The real hot takes of the fintech space
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The Future of Lending in a Modular Financial World
Ep. 1 - Jason Mikula
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A podcast bringing bold voices together for honest conversations about fintech's biggest challenges. Each episode features industry insiders who aren't afraid to share what they really think about lending, credit, and the trends shaping fintech. We tackle the tough questions and dive into the conversations that usually stay behind closed doors - no corporate speak, just real talk.
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Upcoming episodes
Upcoming episodes
November 11, 2025
In our second episode from Money20/20 in Las Vegas, Ron dives into the unfiltered truth on the industry’s hottest topics. He dismantles the “Primacy Myth,” explaining why consumers now prefer multiple financial relationships and why super apps struggle in the US. We explore the “FinTech Reckoning,” where success is judged by profitability, not valuation. Ron also cuts through the noise on AI in banking, showing how it will make teams smarter—not replace them. Tune in for his bold takes, including why he calls NPS “the biggest bunch of b******t on the planet.”
Unfiltered Truths on Primacy, the Reckoning, and the AI Hype with Ron Shevlin (Chief Research Officer at Cornerstone)
42 min
December 3, 2025
FinTech thought leader Simon Taylor joins FinTech Tea to unpack the biggest insights from FinTech NerdCon—from the regulatory tailwinds behind stablecoins to the rise of on‑chain lending as a true rival to bank balance sheets. We dig into how DeFi is creating private‑credit–level yields for everyday consumers and why stablecoins are quietly powering a parallel financial system. Finally, we break down the new EMVCo standards for Agentic Commerce and how AI agents will soon execute high‑converting, frictionless purchases on your behalf.
The Accidental Revolution: Stablecoins, On-Chain Credit, and the Agent-Driven Future with Simon Taylor (Author at Fintech Brain Food, CoFounder of Fintech NerdCon)
43 min
September 30, 2025
In our inaugural episode, Jason joins us at the Bonneville Salt Flats for a candid conversation on the truths most in fintech avoid. We cover the collapse of banking-as-a-service programs, the idea of “fintech bailouts,” and what real accountability should look like. We also dig into AI: why so many pilots fall flat, where it could deliver value, and how to cut through the hype.
Bailouts, breakdowns & AI hype with Jason Mikula (Founder of Fintech Business Weekly)
32 min
December 9, 2025
Frank Rotman, Capital One veteran and legendary FinTech investor, joins FinTech Tea to dissect the industry's failure to build customer-centric products. We explore Frank's definition of brand (a promise that when kept, creates preference), the dangers of building businesses on the consumer's irrationality, and the strategic flaw of offering 350 average products. Learn how to maximize product attributes to differentiate and drive customer preference in a competitive market.
The Myth of Relationship Banking and How to Build Real Brand with Frank Rotman (Founding Partner at QED Investors)
36 Min
December 17, 2025
Principal Product Manager of Generative AI at Chime, Dennis Yang, joins us to dive deep into the insights FinTech insiders are talking about. We debate the dual nature of Generative AI—is it a force for good or a tool for fraudsters and deepfakes? Dennis shares his perspective on why technology's benefits outweigh the risks , how FinTechs are using AI to combat financial fraud , and why building skills like flexibility and taste is essential to avoid being replaced in the AI-augmented workforce. Learn about Chime’s real-world AI use cases, the importance of "AI fluency," and the transition from trusting people to trusting systems in financial services.
AI for Good or for Bad: The Future of Trust, Work, and Fraud with Dennis Yang (Principal Product Manager of Generative AI at Chime)
25 min
February 24, 2026
Jordan Wright, CEO of Atomic Financial, breaks down why traditional underwriting models are leaving billions on the table by systematically excluding borrowers who would actually pay lenders back. He explains how transaction-level data and real-time income verification unlock opportunities with gig workers, contractors, and thin-file borrowers that lenders have mispriced for years. The conversation covers who actually owns consumer financial data, why verification costs consumers $400+ per mortgage, and whether instant credit approval is creating systemic risk.
Flying Blind: Why Lenders Are Missing Billions, Who Owns Your Data, and the Hidden Risks of Instant Credit with Jordan Wright (CEO & Co-Founder at Atomic Financial)
39 Min
Cokie Hasiotis has been inside the fintech machine at almost every level: research at BCG, co-founding one of the first BaaS strategy firms, writing some of the most-read independent fintech coverage of the last decade, and most recently serving as CMO at ClaimSetter. She came to this episode ready to say the things most people save for the group chat. In this episode, Colton and Cokie rapid-fire through the state of fintech today: why the industry lost its energy, which sub-industries are dead or dying, and why so much fintech marketing is just cowardice dressed up as strategy. They get into the AI content slop problem, the "plot market fit" framework Cokie is building her new venture around, and funding numbers that should make the industry uncomfortable.
33 min
The Noise Machine: Why Fintech is Boring
March 31, 2026
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loanpro.io/
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April 2026
Nashville, Tennesee
With over 30 years in financial services and 16 years focused on fintech, the Principal Consultant and owner of iLex Consulting Group brings unmatched expertise in bridging the worlds of traditional banking and financial innovation. Having served as COO, SVP of Change Management, and Director of Deposit Operations, she offer deep insight into compliance, vendor management, operations, and the transformative impact of fintech on modern banking.
joyce mehlman
founder at iLex consulting group & President & coo at spidr
may 2026
Pasadena, California
A two-time founder with exits and 20-year payments veteran, Matt Goldman has spent his career at the intersection of product, credit infrastructure, and fintech strategy. He founded Wallaby Financial and Vertical Finance, held product leadership roles at Green Dot and Bankrate, and now runs Totavi, a boutique fintech consulting firm, while publishing CardsFTW, a widely-read newsletter on the credit and debit card industry. Matt brings the kind of hands-on perspective on card issuing and credit program design that most analysts simply do not have.
Matt Goldman
Founder and Managing Member AT Totavi
In our inaugural episode, Jason joins us at the Bonneville Salt Flats for a candid conversation on the truths most in fintech avoid. From the fallout of high-profile failures and the question of “fintech bailouts,” to whether AI pilots hold real potential or are just hype — Jason brings his trademark unapologetic honesty. It’s a behind-the-scenes look at the risks, realities, and future of financial technology.
Bailouts, breakdowns & AI hype with Jason Mikula (Founder of Fintech Business Weekly)
LISTEN ON
A podcast bringing bold voices together for honest conversations about fintech's biggest challenges. Each episode features industry insiders who aren't afraid to share what they really think about lending, credit, and the trends shaping fintech. We tackle the tough questions and dive into the conversations that usually stay behind closed doors - no corporate speak, just real talk.
Request to be a guest
Upcoming
Subscribe
September 30, 2025
loanpro.io/
UPCOMING EPISODES
NEXT EPISODE
50 min