Shows / Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
Lucas and Luna dissect the forces reshaping how money moves — from the plumbing of real-time payments to the regulatory battles over open banking. Each episode focuses on a single company, regulation, or technology: the rise of embedded finance at Stripe, the transformation of Fiserv's core processing, or the SEC's latest stance on crypto custody. Lucas brings the numbers — market caps, fee structures, adoption curves — while Luna pushes on strategic trade-offs: incumbents versus neobanks, the…
Episodes
Fintech Conversations with Fexingo: Banking, Payments, and Financial Software CompaniesHow Real-Time Car Data Powers Dynamic Usage-Based Insurance
In this episode of Fintech Conversations, Lucas and Luna explore how real-time vehicle data is reshaping auto insurance. They take a deep dive into usage-based…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Healthcare Claims Data for Dynamic Insurance
In this episode, Lucas and Luna explore how fintechs are using real-time healthcare claims data to create dynamic health insurance policies. They dive into a…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Real-Time Clinic Data Powers Dynamic Health Insurance
In this episode of Fintech Conversations, Lucas and Luna explore how fintechs are using real-time clinic data to create dynamic health insurance premiums. They…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Restaurant Data for Dynamic Merchant Cash Advances
In this episode, Lucas and Luna explore how fintech lenders are using real-time restaurant point-of-sale data to underwrite dynamic merchant cash advances…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Inventory Data for Dynamic Trade Credit
In this episode, Lucas and Luna explore how fintech lenders are using real-time inventory data to offer dynamic trade credit to small retailers and…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Real-Time Freight Data Powers Dynamic Trade Credit
In this episode of Fintech Conversations, hosts Lucas and Luna explore how real-time freight data is transforming trade credit. They dive into the mechanics of…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Real-Time Casino Data Powers Dynamic Credit Lines
Lucas and Luna explore a fresh angle in fintech: using real-time casino data to power dynamic credit lines. They walk through how a hypothetical online casino…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Real-Time Streaming Data Powers Dynamic Sports Betting Markets
In Episode 161 of Fintech Conversations, Lucas and Luna explore how fintech platforms are using real-time streaming data to create dynamic sports betting…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Rent Data for Dynamic Credit Scoring
In this episode of Fintech Conversations, Lucas and Luna explore how real-time rent payment data is reshaping credit scoring. They examine why traditional…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Gig Work Data for Dynamic Income Verification
In this episode of Fintech Conversations with Fexingo, Lucas and Luna explore how fintechs are using real-time gig economy data to transform income…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Real-Time Weather Data Powers Dynamic Energy Loans
Episode 158 of Fintech Conversations dives into a surprising corner of dynamic lending: energy loans. Lucas and Luna explore how fintechs are using real-time…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Real-Time Fleet Data Powers Dynamic Truck Insurance
In this episode of Fintech Conversations, Lucas and Luna explore how real-time telematics data from commercial fleets is reshaping truck insurance. They dive…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Real-Time Gaming Data Powers Dynamic Player Loans
In this episode of Fintech Conversations, Lucas and Luna explore how fintechs are using real-time gaming data to power dynamic player loans. They drill into…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Real-Time Utility Data Powers Dynamic Home Insurance
In this episode of Fintech Conversations, Lucas and Luna drill into a fresh angle: how real-time utility data is reshaping home insurance. They explore a…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Satellite Data for Dynamic Crop Insurance
In this episode, Lucas and Luna explore how fintechs are combining satellite imagery with machine learning to price and adjust crop insurance in near…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Real-Time Gym Data Powers Dynamic Fitness Loans
Lucas and Luna explore how fintech lenders are using real-time data from gym memberships, wearable fitness trackers, and class attendance to create dynamic…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Real-Time Weather Data Powers Dynamic Crop Insurance
In this episode of Fintech Conversations, Lucas and Luna explore how fintechs are using real-time weather data to create dynamic crop insurance products that…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Real-Time Solar Data Powers Dynamic Home Equity Loans
Episode 151 of Fintech Conversations with Fexingo digs into a fast-growing corner of fintech: using real-time solar panel generation data to underwrite home…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time EV Charging Data for Dynamic Auto Loans
In this milestone episode, Lucas and Luna explore how fintech lenders are using real-time electric vehicle charging data to reshape auto loan underwriting…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Airline Data for Dynamic Travel Insurance
In this episode of Fintech Conversations, Lucas and Luna dive into the emerging use of real-time airline data in dynamic travel insurance pricing. They explore…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Employee Payroll Data for Dynamic Salary Advances
In this episode, Lucas and Luna explore the rise of earned wage access, where fintechs use real-time payroll and timesheet data to let workers draw pay before…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Construction Data for Dynamic Project Financing
In this episode, Lucas and Luna explore how fintech lenders are using real-time construction data—from project schedules and material deliveries to workforce…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Real-Time Logistics Data Powers Dynamic Shipping Finance
In this episode of Fintech Conversations, Lucas and Luna explore how fintech companies are using real-time logistics data to offer dynamic shipping finance…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Real-Time Supply Chain Data Powers Dynamic Trade Credit
In this episode of Fintech Conversations, Lucas and Luna explore how fintechs are using real-time supply chain data—shipment tracking, port congestion, and…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Open Banking Data Powers Dynamic Mortgage Underwriting
In this episode of Fintech Conversations, Lucas and Luna explore how open banking is transforming mortgage underwriting. They dive into the story of a UK…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Real-Time Data Powers Dynamic Freight Insurance
In this episode of Fintech Conversations, Lucas and Luna explore how real-time freight data is transforming commercial insurance. They dive into a specific…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Transaction Data for Fraud Prevention
Card fraud losses hit a record $10.7 billion in the US last year. In this episode, we look at how fintechs and digital banks are fighting back by scoring every…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Mobile Phone Data for Credit Scoring in Emerging Markets
Episode 141 of Fintech Conversations explores how mobile phone usage data—call records, airtime top-ups, mobile money transactions—is being used to underwrite…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Real-Time ESG Data Drives Dynamic Green Lending
Episode 140 examines how fintechs are using real-time environmental, social, and governance data to create dynamic lending products. Lucas and Luna explore a…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Rental Payment Data for Mortgage Underwriting
Nearly 45 million Americans are credit invisible, yet millions pay rent on time every month. Fintechs like Esusu now pull real-time rental payment data from…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Social Media Data for Credit Scoring
For millions of people in emerging markets, a traditional credit score doesn't exist. Fintechs like Tala have stepped in, using over 10,000 data points…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Real-Time Procurement Data Powers Dynamic Supply Chain Finance
Episode 137 of Fintech Conversations dives into how real-time procurement data is transforming supply chain finance. Lucas and Luna explore a case where a…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Healthcare Data for Instant Patient Financing
Episode 136 of Fintech Conversations with Fexingo explores how fintechs are using real-time healthcare claim data to offer instant patient financing at the…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Identity Data for Instant Account Opening
In this episode, Lucas and Luna explore how real-time identity verification is transforming account opening in fintech. They discuss the technologies behind…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How E-Commerce Data Powers Merchant Cash Advances
Episode 134 explores how fintechs use real-time e-commerce transaction data to underwrite dynamic merchant cash advances. We focus on the model pioneered by…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Real-Time Education Data Unlocks Student Loans
Nearly half of US student loan borrowers lack the credit score for a private loan. Fintechs like Stride Funding and Vemo Education now use real-time data from…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Gig Worker Data for Dynamic Credit
Episode 132 of Fintech Conversations dives into the growing trend of fintechs using real-time earnings data from gig platforms like Uber, Lyft, and DoorDash to…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Vehicle Data for Dynamic Insurance
Episode 131 of Fintech Conversations explores how real-time vehicle telematics is transforming auto insurance from a retrospective model into a dynamic…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Real-Time Weather Data Powers Dynamic Insurance Pricing
In Episode 130 of Fintech Conversations, Lucas and Luna explore how real-time weather data is transforming insurance pricing. They examine a specific case: a…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Energy Data for Dynamic Pricing
Episode 129 of Fintech Conversations dives into a fresh angle: how real-time energy data is powering dynamic loan pricing. Lucas and Luna explore Octopus…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Inventory Data for Dynamic Business Credit
In this episode of Fintech Conversations with Fexingo, Lucas and Luna explore how real-time inventory data is reshaping small business lending. They examine…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Real-Time Utility Data Powers Instant Insurance Claims
Lucas and Luna explore how fintechs are using real-time utility payment data to revolutionize insurance claims processing. They dive into a specific case: how…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Freight Data for Dynamic Invoice Discounting
In this episode of Fintech Conversations with Fexingo, Lucas and Luna explore how fintech lenders are using real-time freight tracking data to offer dynamic…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Shipping Data for Dynamic Invoice Factoring
Episode 125 of Fintech Conversations dives into a fresh angle in real-time financial services: using live shipping and logistics data to dynamically adjust…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Payroll Data for Instant Earned Wage Access
Lucas and Luna dive into the rapid rise of earned wage access (EWA) — the fintech category that lets workers pull a percentage of their earned but unpaid wages…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Subscription Data for Dynamic Underwriting
Lucas and Luna dive into how fintech lenders are tapping into real-time subscription data—from Netflix to Salesforce to gym memberships—to dynamically…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Shopping Cart Data for Dynamic Credit
Episode 122 of Fintech Conversations with Fexingo dives into a fresh angle: how lenders use real-time shopping cart abandonment data to offer dynamic…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Housing Data for Dynamic Rent-to-Own Underwriting
In this episode, Lucas and Luna explore a niche but growing fintech frontier: using real-time rent payment data and property tax records to underwrite…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Tax Payment Data for Dynamic Business Lending
Episode 120 of Fintech Conversations with Fexingo dives into a largely untapped data source for lending: real-time tax payment data. Lucas and Luna explore how…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
Fintechs Use Real-Time Cash Flow Data for SMB Lending
Lucas and Luna explore how fintech lenders are using real-time cash flow data from bank accounts and accounting software to underwrite small business loans in…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Bank Account Data for Instant Mortgage Pre-Approval
In this episode of Fintech Conversations with Fexingo, Lucas and Luna explore how fintechs are using open banking APIs to pull real-time bank account data for…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
Why Payment Rails Are the Next Big Fintech Battleground
Episode 117 of Fintech Conversations with Fexingo explores how modern payment infrastructure — the 'rails' moving money between banks — has become…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Supply Chain Data for Dynamic Trade Finance
In this episode of Fintech Conversations, Lucas and Luna dive into the emerging practice of using real-time supply chain data to power dynamic trade finance…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Rent Data for Dynamic Lease Underwriting
Episode 115 of Fintech Conversations: Lucas and Luna explore how startups like Esusu and Credit Sesame are using real-time rent payment data to build credit…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Sales Data for Dynamic Supplier Payments
In this episode, Lucas and Luna explore how fintech platforms are using real-time sales data to transform supplier payment terms. They focus on the case of a…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Insurance Data for Lending
In this episode of Fintech Conversations with Fexingo, Lucas and Luna explore how fintech lenders are using real-time insurance data to make faster, more…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Travel Data for Dynamic Card Offers
Episode 112 of Fintech Conversations digs into a specific use of real-time data that hasn't hit the mainstream yet: travel transaction streams. Lucas and…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Payroll Data for Employee Benefit Optimization
Today, Lucas and Luna explore how fintechs are leveraging real-time payroll data to optimize employee benefits. They focus on the case of a mid-sized marketing…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Dividend Data for Dynamic Portfolio Lending
Episode 110 of Fintech Conversations with Fexingo explores how a handful of digital lenders are using real-time dividend payment data to offer dynamic…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Utility Payment Data for Credit Scoring
In this episode of Fintech Conversations, Lucas and Luna explore how fintechs are leveraging real-time utility payment data to build credit scores for the 45…