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 Fintechs Use Real-Time Open Banking Data for Dynamic Credit Card Limits
In this episode of Fintech Conversations with Fexingo, Lucas and Luna explore how fintechs are using real-time open banking data to dynamically adjust credit…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Payment Data for Dynamic Underwriting
Episode 107 of Fintech Conversations with Fexingo dives into a fast-growing trend: using real-time payment data to adjust loan terms on the fly. Lucas and Luna…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Sales Data for Dynamic Inventory Financing
In this episode, Lucas and Luna explore how real-time sales data is transforming inventory financing for small and mid-sized businesses. They focus on the case…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Data for Dynamic Invoice Discounting
Lucas and Luna explore how fintech platforms are using real-time transaction data to offer dynamic invoice discounting, a practice that lets small businesses…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time POS Data for Inventory Financing
Fintech lenders are now tapping into real-time point-of-sale data from small merchants to offer inventory financing in hours instead of weeks. Lucas and Luna…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Transaction Data for Dynamic Credit Limits
In episode 103 of Fintech Conversations with Fexingo, Lucas and Luna dive into how fintechs are using real-time transaction data to adjust credit limits on the…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Expense Data for Corporate Card Limits
Episode 102 of Fintech Conversations dives into how corporate card issuers are using real-time expense data to set dynamic spending limits—a shift from static…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Wearable Payment Data for Credit Scoring
Episode 101 of Fintech Conversations explores the emerging trend of using wearable payment data—from smartwatches, fitness trackers, and even smart rings—to…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Merchant Data for Dynamic Pricing
Episode 100 of Fintech Conversations with Fexingo. Lucas and Luna dive into the world of dynamic pricing powered by real-time merchant data. They explore how…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use AI for Real-Time Property Valuation
Episode 99 of Fintech Conversations dives into how artificial intelligence is revolutionizing property valuation for mortgage origination and home equity…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use AI for Real-Time Rent-to-Own Financing
In this episode, Lucas and Luna explore how fintech companies are using AI to underwrite rent-to-own financing for homebuyers who lack traditional credit…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Open Banking Is Reshaping Small Business Lending
In this episode of Fintech Conversations with Fexingo, Lucas and Luna dive into how open banking is transforming small business lending. They examine the case…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Bank Data for SMB Lending
Episode 96 digs into a quiet revolution in small business lending: using real-time bank transaction data instead of credit scores and tax returns. Lucas and…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Payroll Data for Lending
In this episode of Fintech Conversations, Lucas and Luna explore how a new wave of lenders is using real-time payroll data instead of traditional credit scores…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use AI for Real-Time Subscription Management
In this episode, Lucas and Luna explore how fintech companies are using artificial intelligence to help consumers and businesses manage recurring subscriptions…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Are Using AI for Real-Time Rent Reporting
Episode 93 of Fintech Conversations with Fexingo: Lucas and Luna dive into the growing trend of fintechs using AI to report rent payments to credit bureaus in…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use AI for Real-Time Purchase APR Optimization
In this episode of Fintech Conversations, Lucas and Luna explore how fintechs are using AI to dynamically optimize purchase APRs in real time. They break down…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use AI for Real-Time Rent Reporting
Most Americans pay rent every month, but less than one percent of on-time rent payments show up on credit reports. Lucas and Luna explore how fintechs like…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Data to Personalize Insurance Premiums
Episode 90 explores the rise of usage-based insurance (UBI) in fintech. Lucas and Luna break down how companies like Lemonade and Progressive use telematics…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Machine Learning for Personalized Wealth Management
In this episode of Fintech Conversations with Fexingo, Lucas and Luna explore how fintech companies leverage machine learning to deliver personalized wealth…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use AI for Real-Time Treasury Management
Lucas and Luna explore how artificial intelligence is transforming corporate treasury management from a backward-looking reconciliation function into a…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use AI for Real-Time Identity Verification
Episode 87 of Fintech Conversations with Fexingo dives into the world of real-time identity verification. Lucas and Luna explore how fintechs like Stripe and…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use AI for Real-Time Expense Fraud Detection
In this episode, Lucas and Luna dive into how fintech companies are leveraging artificial intelligence to detect expense report fraud in real time. They…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use AI for Credit Card Transaction Categorization
In this episode of Fintech Conversations with Fexingo, Lucas and Luna explore how fintech companies are using AI to automatically categorize credit card…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Are Using AI for Real-Time Merchant Cash Advance Underwriting
In this episode of Fintech Conversations with Fexingo, Lucas and Luna explore how fintechs are applying AI to underwrite merchant cash advances in real time…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use AI for Real-Time Insurance Claims Triage
In this episode of Fintech Conversations with Fexingo, Lucas and Luna dive into how insurtechs are using AI to triage insurance claims in real time. They focus…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use AI for Real-Time Supply Chain Financing
Episode 82 of Fintech Conversations explores the emerging use of AI to power real-time supply chain financing. Lucas and Luna break down how companies like…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use AI for Personalized Health Savings
Episode 81 of Fintech Conversations dives into the intersection of fintech and healthcare savings. Lucas and Luna explore how startups like HealthEquity and…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use AI for Real-Time Invoice Discounting
Episode 80 of Fintech Conversations with Fexingo explores how fintechs are using AI for real-time invoice discounting. Lucas and Luna break down the…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use AI for Real-Time Payment Routing Optimization
In this episode of Fintech Conversations with Fexingo, Lucas and Luna dive into how fintechs are using AI to optimize payment routing in real time, slashing…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use AI for Real-Time Fraud Scoring at the POS
Lucas and Luna dive into how fintechs like Stripe and Adyen are using machine learning models to score transactions for fraud in under 50 milliseconds at the…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Are Using Embedded Insurance for Gig Workers
In this episode of Fintech Conversations, Lucas and Luna explore the fast-growing niche of embedded insurance for gig economy workers. They break down how…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Are Using AI for Real-Time Credit Limit Adjustments
In this episode of Fintech Conversations with Fexingo, Lucas and Luna explore how fintechs like Chase, Citi, and SoFi are using machine learning models to…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use AI for Real-Time Cross-Border Payment Routing
Episode 75 dives into how fintechs are using AI to dynamically route cross-border payments across multiple corridors, slashing costs and settlement times…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Are Using Open Banking for Small Business Lending
Episode 74 of Fintech Conversations explores how open banking is reshaping small business lending. Lucas and Luna dive into a case study: Kabbage (now part of…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Stored Value for Embedded Loyalty
Episode 73 of Fintech Conversations with Fexingo dives into stored-value wallets as an embedded loyalty tool. Lucas and Luna unpack how brands like Starbucks…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use AI for Automated Invoice Factoring
Lucas and Luna explore how fintech companies are applying AI to automate invoice factoring, a centuries-old financing method. They focus on the case of…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Are Using BNPL for B2B Procurement
Episode 71 of Fintech Conversations with Fexingo explores the rise of buy-now-pay-later in business-to-business purchasing. Lucas and Luna break down how…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use AI for Real-Time Lending Decisions
In this episode of Fintech Conversations with Fexingo, Lucas and Luna explore how fintechs are using AI to make real-time lending decisions for small…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use AI to Predict Credit Card Churn
In this episode of Fintech Conversations, Lucas and Luna explore how fintech companies are using artificial intelligence to predict when a customer is about to…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use AI for Hyper-Personalized Savings Goals
In this episode of Fintech Conversations with Fexingo, Lucas and Luna dive into how fintech apps are using artificial intelligence to create hyper-personalized…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use AI to Detect Fake Reviews and Social Proof Fraud
Fake reviews cost consumers an estimated $152 billion in wasted spending globally each year, and a new wave of fintech startups is fighting back with AI tools…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Are Using Crypto for Cross-Border Payroll
Episode 66 of Fintech Conversations with Fexingo explores a practical, business-focused use of cryptocurrency: cross-border payroll. Lucas and Luna break down…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Real-Time Bill Payments for Cash Flow Management
Episode 65 of Fintech Conversations with Fexingo explores how fintech companies are leveraging real-time bill payment systems to help small businesses and…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use AI to Detect and Prevent Synthetic Identity Fraud
Synthetic identity fraud is the fastest-growing type of financial crime in the US, costing lenders an estimated $6 billion annually. In this episode, Lucas and…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Are Using AI for Real-Time Accounting Reconciliation
Episode 63 of Fintech Conversations with Fexingo dives into how artificial intelligence is transforming the tedious process of accounting reconciliation. Lucas…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Generative AI for Personalized Financial Advice
In this episode, Lucas and Luna explore how fintech companies are deploying generative AI to deliver tailored financial guidance at scale. They focus on…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use AI to Automate Expense Report Auditing
In this episode of Fintech Conversations with Fexingo, Lucas and Luna dive into the world of automated expense report auditing. They explore how companies like…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Are Using Tokenized Real Estate for Crowdfunding
This episode of Fintech Conversations dives into the tokenization of real estate assets for crowdfunding. Lucas and Luna explore how blockchain technology is…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Variable Recurring Payments for B2B
Episode 59 of Fintech Conversations with Fexingo explores how variable recurring payments (VRPs) are transforming B2B transactions. Lucas and Luna break down a…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Voice Cloning for Customer Service
In this episode of Fintech Conversations with Fexingo, Lucas and Luna explore how fintechs are adopting voice cloning technology for customer service. They…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use AI to Price Insurance in Real Time
Episode 57 of Fintech Conversations with Fexingo dives into usage-based insurance (UBI) pricing powered by AI. Lucas and Luna explore how startups like…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Geofencing for Context-Aware Payments
Episode 56 of Fintech Conversations: Lucas and Luna explore how fintechs are using geofencing to trigger payments, offers, and authentication based on a…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Are Using Digital Twins for Fraud Detection
Episode 55 of Fintech Conversations explores the cutting-edge use of digital twin technology in fraud detection. Lucas and Luna discuss how banks and fintechs…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use AI to Personalize Credit Card Rewards
Episode 54 of Fintech Conversations with Fexingo looks at how AI is reshaping credit card rewards from one-size-fits-all points to real-time…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use Open Banking for Subscription Management
Episode 53 of Fintech Conversations with Fexingo dives into the growing trend of fintechs using open banking APIs to help consumers manage and cancel…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintech Is Using AI for Small Business Tax Preparation
Episode 52 of Fintech Conversations with Fexingo explores how fintech companies are leveraging artificial intelligence to streamline small business tax…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use AI to Detect Identity Fraud at Onboarding
Episode 51 of Fintech Conversations dives into the growing use of AI-driven identity verification at account opening. Lucas and Luna examine how fintech…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintech Is Using AI for Multilingual Customer Support
Episode 50 of Fintech Conversations with Fexingo. Lucas and Luna dive into the world of AI-powered multilingual customer support in fintech. They explore how…
- Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintech Is Using Satellite Data for Agricultural Lending
In this episode of Fintech Conversations, Lucas and Luna explore how fintech lenders are using satellite imagery to underwrite loans for smallholder farmers in…