💰 If you don’t own distribution, you don’t own anything.

Fintech Takes

💰 BaaS Is Dead, Viva BPPaaS & CPaaS

💰 What’s Going On with Credit Cards?

💰 Meetup Download

💰 Bilt, BaaS, & New York Steps on the Gas

💰 No One Knows Anything

💰 Thinking in (Credit) Systems

💰 Confidence in the Face of Uncertainty

💰 Prediction Markets

💰 Rhythmic, AgentCard, Rowspace, & Burst

💰 If you don’t own distribution, you don’t own anything.

💰 Five Thoughts on the Future of Fintech

💰 The Celebrity Card Graveyard

💰 Playing Checkers

💰 Fintech Player Comps (The 90s Edition)

💰 Bureaus, Betting, and Block

💰 A Home Base for Financial Nihilism

💰 New York State of Mind

💰 Embedded Payments: From Product Feature to Infrastructure

💰 MVNO is the New BaaS

💰 Bank, Credit Union, or Fintech?

💰 Kairos, Vault, Vennre, & Buy Now Pay Maybe

💰 Is Fintech a Moneymaker for MrBeast?

💰 Tricked by Product-Market Fit

💰 Fintech Takes VS. Super Bowl

💰 The Party is Almost Over

💰 Ideas Xchange

💰 Nuked Bills, Fake Numbers, & Blackmail

💰 Well, it’s Groundhog Day … again.

💰 What Do You Do When You Can Do Anything?

💰 Low Risk, New Rails, & Old Banks

💰 This isn’t advertising. It’s a tax.

💰 Capital One Buys Brex

💰 2026 Priorities

💰 Sanctions-Evasion-as-a-Service

💰 Is This Video Game Too Hard?

💰 Who Gets to Give People Money?

💰 Kontigo, Givefront, Beycome, & Cash App

💰 The Apple Card Has a New Home

💰 2026 Predictions

💰 Recapping 2025 (and worrying about 2026)

💰 Credit Cards Have Become a Luxury Good

💰 The CFTC regulates hedging, not sports gambling.

💰 Diving Deep with Max Levchin, CEO of Affirm

💰 Big Fintech Bookshelf Energy

💰 Questions That Defined 2025

🎄 Fintech Takes Goes Full Die Hard

💰 More Banks!

💰 Fintech Takes Wrapped

💰 Fraud, Mortgages, & the Art of Judgment

💰 The OCC Turns in the First Draft of Its Debanking Homework

💰 Hope Is The Strategy

💰 Where are the biggest trouble spots (and blind spots) in consumer credit?

💰 Robinhood Should Not be Allowed Anywhere Near Trump Accounts

💰 Open-loop vs. Closed-loop Credit Scoring

💰 Access, Identity, & the Cost of Complexity

💰 Rebuilding the Warp Core

💰 Black Friday

💰 Surviving the SEO Apocalypse

💰 Sports Betting May Make It Harder for Borrowers to Pay Back Their Loans

💰 And now his watch is (temporarily) ended.

💰 Refactoring Risk Decisioning with Agentic AI

💰 The Complexity of the Modern Payments Stack

💰 Honor Some Cards?

💰 Builders Summit, Complete

💰 Friction, The Fine Print, & Faith

💰 Carrington Labs, Zest AI, & Coinbase.

💰 No one is being honest about stablecoins.

💰 Live from Money20/20: AI, Stablecoins, & More!

💰 Barclays Buys Best Egg

💰 Spooky Season

💰 The Biggest Unsolved Problems in Open Banking

💰 Fintech 3-2-1 Goes to Vegas

💰 A Fortress of Distrust

💰 Unlocking Pay by Bank’s Potential

💰 Debt, Data, and the New Repayment Hierarchy

💰 The Open Banking Fight You’re Not Paying Attention To

💰 Neighborhood Networks

💰 EtherFi, Lunos AI, Circuit & Chisel, & Figure

💰 Blocking and Tackling

💰 The Cash Cow is Dead

💰 The Economics of Addiction in 30 Minutes

💰 FICO Hits Back

💰 How OpenAI Can Avoid Google’s Mistake

💰 Open Banking, BaaS Trouble, FICO’s Small Ambitions

💰 A New Roadmap for Building Customer Lifetime Value

💰 Aim Small, Miss Small

💰 Standardizing Fairness and Financial Health

💰 Startup Truths and Venture Realities

💰 Chime’s Tough Choice

💰 Plaid Defects

💰 Welcome Tech, Bumper, Scalar Field, & Structify

💰 Machine Banking

💰 Observations From a Busy Week

💰 Preemption, Kawhi’s Payday, & Tokenized Confusion

💰 Not Quite My Tempo

💰 Aspiring to Cheat

💰 Lawsuits Forever, $1 Penalties, & The Tokenized Wild West

💰 Firing On All Pistons

💰 The War That Banks Don’t Know They’re Fighting

💰 Building Financial Resiliency

💰 We’re Back!!!!!

💰 The Ouroboros of Credit Building

💰 A Field Guide to the Next Round of Open Banking Fights

💰 Open Banking in the Upside-Down

💰 SO MUCH GOOD STUFF

💰 Everyone (but the lawyers) Just Lost

💰 BaaS, Vertical SaaS, and Stablecoins

💰 The Entire History of the CFPB in 50 Minutes

💰 The Takes are Coming!

💰 If you don’t own distribution, you don’t own anything.

Mar 16, 2026