Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies cover art

Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies

Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies

Written by: Fexingo
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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 cost of compliance, the gamble on decentralized ledgers. No hype, no jargon salads. Just the two of them walking through what actually works, what doesn't, and why. This show is for product managers, fintech analysts, payments ops leads, and anyone who needs to understand the financial software stack without the sales pitch. By the end of each conversation, you'll know the key metric that matters, the biggest risk nobody's talking about, and the one question you should ask your vendor. #Fintech #Payments #Banking #FinancialSoftware #OpenBanking #EmbeddedFinance #RealTimePayments #Neobanks #DigitalPayments #CoreBanking #RegTech #Stripe #Fiserv #SEC #BusinessPodcast #Finance #FexingoBusiness #Business Keep every episode free: buymeacoffee.com/fexingo© 2026 Fexingo. All rights reserved. Economics
Episodes
  • How Banks Are Monetizing Your Idle Cash

    How Banks Are Monetizing Your Idle Cash
    Oct 20 2026
    We explore the quiet shift in retail banking where your checking account balance earns less than one percent while banks lend at seven. Lucas and Luna break down why traditional savings rates have lagged inflation, the role of net interest margins, and what this means for everyday consumers trying to grow their wealth in a high-rate environment. #FexingoBusiness #BusinessPodcast #BankingTech #RetailBanking #InterestRates #SavingsAccounts #NetInterestMargin #ConsumerFinance #InflationHedge #FinancialLiteracy #CashManagement #HighYieldSavings #BankProfitability #MonetaryPolicy #DigitalBanking #WealthBuilding #EconomicOutlook #October2026 Keep every episode free: buymeacoffee.com/fexingo
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    8 mins
  • How Open Banking Is Rewiring Consumer Identity

    How Open Banking Is Rewiring Consumer Identity
    Oct 20 2026
    Most people think open banking is just about moving money faster. It’s actually about identity. We look at how the UK’s Open Banking standard has shifted power from banks to consumers, and why that model is struggling to take off in the US despite having similar technology. Lucas and Luna break down the regulatory friction, the role of third-party providers, and what happens when your financial data becomes a portable asset rather than a locked vault. #OpenBanking #DataPortability #ConsumerIdentity #FintechRegulation #UKFintech #USBanking #ThirdPartyProviders #FinancialData #APIEconomy #ConsentManagement #BankingStandards #DigitalPrivacy #EmbeddedFinance #LucasAndLuna #FexingoBusiness #BusinessPodcast #FinanceNews #TechTrends2026 Keep every episode free: buymeacoffee.com/fexingo
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    13 mins
  • How AI Is Quietly Killing The Overdraft Fee

    How AI Is Quietly Killing The Overdraft Fee
    Oct 18 2026
    We break down the specific mechanics of how real-time liquidity modeling is replacing traditional overdraft protection, using a case study from JPMorgan Chase and Ally Financial. With over twelve billion dollars in overdraft fees collected annually by US banks, this episode explores the shift from penalty-based revenue to predictive cash flow management. We look at the data behind why consumers are abandoning old banking models and what this means for financial software companies building the next generation of wealth tech. #OverdraftFees #RealTimePayments #JPMorganChase #AllyFinancial #LiquidityManagement #BankingTechnology #ConsumerFinance #CashFlowPrediction #FintechInnovation #FinancialLiteracy #DigitalBanking #PaymentSystems #WealthTech #BankingRevenue #ConsumerBehavior #FexingoBusiness #BusinessPodcast #TechTrends Keep every episode free: buymeacoffee.com/fexingo
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    10 mins
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