Afleveringen
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Slowing down payments could be a selling point. On the show, Mary talks with Erik Beguin, CEO of Austin Capital Bank, about why friction can be a feature, not a flaw. Plus, they unpack the rising wave of fraud, how security and convenience clash and why it’s time to measure success by protection, not just profits.
Show notes
- Austin Capital BankSubscribe to the Money Isn’t Everything podcast here:
https://www.crnrstone.com/gritty-insights/podcasts/money-isnt-everythingChapters:
[00:00] Fraud Is Exploding
[02:10] Why Fraud Numbers Are All Underreported
[04:45] The Emotional Trap: Denial & Embarrassment
[07:20] Seniors and the Bitcoin ATM Scam Surge
[10:15] Why “Education” Isn’t Stopping Fraud
[14:00] Pig Butchering: The Scam You Don’t See Coming
[18:30] Why Victims Stay Silent
[22:40] How Fraudsters Stay Ahead of Banks
[26:50] What Consumers Actually Need to Stay Safe
[30:30] Erik Beguin’s Call to ActionSend us a text
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Consumer Reports has a new playbook for fairness in digital finance and fintech app developers might want to take notes.
Mary sits down with Delicia Hand, senior director, digital marketplace at Consumer Reports, to talk about building apps that are transparent, inclusive and designed for real financial well-being.
Plus, they get into AI’s role in scams and why now is the moment for stronger consumer protections (not fewer).
Show notes
- Fairness by Design Playbook
Subscribe to the Money Isn’t Everything podcast here:
https://www.crnrstone.com/gritty-insights/podcasts/money-isnt-everythingChapters:
[00:00] – Intro: What the Fairness & Design Playbook Is
[01:00] – Why Consumer Reports Built a Fintech Playbook
[03:00] – Filling the CFPB Gap in Consumer Protection
[06:00] – AI Scams and Voice Cloning Threats
[08:30] – Building with Consumers, Not for Them
[11:00] – How Financial Apps Can Be Designed Responsibly
[16:30] – What “Financial Well-Being” KPIs Should Look Like
[22:00] – Making Financial Health Part of Product Success
[26:30] – Designing for Inclusivity and Accessibility
[29:40] – Advice for Fintech Developers + What’s Next from CRSend us a text
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Zijn er afleveringen die ontbreken?
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“The checking account hasn't had meaningful innovation in a decade,” says Christian Widhalm, CEO of Bloom Credit.
In today’s show, Mary talks to Christian about what it takes to make the product stand out, the open banking pricing debate and the case for why it’s time for BNPL payments to show up on credit reports.
Show notes
Bloom CreditInsights from Finovate 2024Credit Score Management: The $110 Billion Deposit and Payments MagnetSubscribe to the Money Isn’t Everything podcast here:
https://www.crnrstone.com/gritty-insights/podcasts/money-isnt-everythingChapters:
[0:00] Welcome & Intro to Bloom Credit
[1:10] Reinventing Credit Reporting
[4:00] Turning Checking Accounts Into Credit Builders
[6:30] Why Gen Z and Millennials Want This
[9:50] The 64 Million “Thin File” Problem
[13:00] How Credit Karma Changed the Game
[18:40] Doing Good and Doing Well in Banking
[20:50] The Data Access Debate: Plaid vs. Banks
[26:30] Should “Buy Now, Pay Later” Count Toward Credit?
[29:40] What’s Next for Fintech & Credit InnovationSend us a text
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Debt collection doesn’t have to mean fear and shame. Gwyneth Borden, Remynt’s founder and CEO, joins Mary to explore a friendlier way for financial institutions to collect debt. Among the newer approaches: offering financial therapy, building credit while paying down debt and turning delinquency into long-term loyalty.
Show notes:
RemyntSubscribe to the Money Isn’t Everything podcast here:
https://www.crnrstone.com/gritty-insights/podcasts/money-isnt-everything
Chapters:
[0:00] Intro – Meet Gwyneth Borden of Remynt
[0:31] The Mission to Rethink Debt Collection
[2:05] Why Fear and Shame Don’t Work
[5:30] Gwyneth’s Personal Debt Story
[7:19] Why Debt Collection Is Stuck in the Past
[9:42] Building Credit While Paying Off Debt
[14:00] The Psychology of Money & Financial Therapy
[22:15] How the Industry Mislabels People in Debt
[27:55] Gen Z and the Debt Crisis
[30:18] The Future of Credit RecoverySend us a text
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Financial health checks on transactions? It’s happening.
James Neville, the CEO of Yaspa, chats with Mary about how open banking enables greater transparency and control to the high-risk sector of gambling. They also talk about where AI hits its limits and why Yaspa recently set up shop in Atlanta.
Show notes:
- YaspaChapters:
[0:00] Intro – Meet James Neville
[0:54] Fintech’s Role in Gambling & Overspending
[5:55] Why Europe Leads on Responsible Payments
[9:51] Moving Operations to Atlanta
[11:41] Open Banking Under Pressure in the U.S.
[16:01] Can Fintechs Survive New Data Fees?
[17:12] Startup Life vs. Corporate Life
[19:06] AI in Banking – Missing the Personal Touch
[23:10] Stablecoins: Hype or Game-Changer?
[26:55] Final Thoughts & Lock Screen SurpriseSubscribe to the Money Isn’t Everything podcast here:
https://www.crnrstone.com/gritty-insights/podcasts/money-isnt-everythingSend us a text
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Banking for older Americans doesn’t exactly scream TikTok. But Kevin Nazemi, co-founder and CEO of Charlie, discovered short videos about scams are resonating with people and their families.
On today’s show: Why fraud thrives on urgency, how slowing down payments can help and why Kevin thinks friction in banking might actually be a good thing.
Show notes:
CharlieChapters:
[0:00] Meet Kevin Nazemi, CEO of Charlie
[1:29] Why a Neobank Turned to TikTok
[3:15] How Fraud Content Goes Viral
[6:05] Scam Tactics That Actually Work
[10:24] The Psychology Behind Scams
[16:10] AI & The Future of Fraud
[20:26] Introducing “Speedbump” for Payments
[32:18] Why Launching a Startup Is Always Nerve-Wracking
[35:00] Interviewing President Clinton at Age 11
[39:19] Where to Find Kevin & CharlieSubscribe to the Money Isn’t Everything podcast here:
https://www.crnrstone.com/gritty-insights/podcasts/money-isnt-everything
Send us a text
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The U.S. CEO of Zip has heard all kinds of knocks against Buy Now, Pay Later. In a wide-ranging conversation, Joe Heck tells Mary why the critics are wrong and why judgment has no place in personal finance.
Loans through Zip are originated by WebBank.
Show notes:
ZipChapters:
[0:00] Welcome & Intro to Joe Heck, CEO of Zip
[1:01] Defending BNPL Against the Skeptics
[2:39] From Flint to Fintech: Joe’s Early Money Views
[5:07] Why Budgeting Tools Fail Like Fad Diets
[7:44] The Role of AI in Personal Finance
[10:17] Happy vs. Sad Spending: Making Money Simple
[14:11] BNPL for Groceries & Small Purchases
[18:05] Loan Stacking, Credit Scores & Myths
[26:08] Zip’s Global Roots & BNPL Adoption
[29:38] Final Thoughts & How to Reach JoeSubscribe to the Money Isn’t Everything podcast here:
https://www.crnrstone.com/gritty-insights/podcasts/money-isnt-everything
Send us a text
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There’s plenty of buzz about “self-driving money.” But what about those moments when people want more than an algorithm? Mary talks with Sam Lewis, CEO of Fruitful, a fintech firm betting on both humans and AI. Sam shares what’s broken in the traditional advisor model, how Fruitful’s subscription approach works, and why TikTok isn’t the place for personal finance advice.
Show notes:
FruitfulChapters:
[00:00] Welcome & Guest Intro – Sam Lewis, CEO of Fruitful
[00:30] Blending Human Guidance with AI in Finance
[03:20] Building Trust & Transparency in Financial Services
[06:50] Why Personal Connection Matters for Financial Advice
[09:30] Business Model: $48/Month Membership Explained
[12:00] Data Aggregation, Open Banking & Payment Rails
[15:20] Coffee vs. Big Expenses: Rethinking Money Habits
[19:30] Self-Driving Money & AI’s Role in Personal Finance
[23:00] Overcoming Inertia: Making Finances Effortless
[27:50] TikTok Finance Advice & Final ThoughtsSubscribe to the Money Isn’t Everything podcast here:
https://www.crnrstone.com/gritty-insights/podcasts/money-isnt-everything
Send us a text
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JPMorgan Chase lit a fire under the fintech world. The biggest U.S. bank says it wants to start charging aggregators for access to data through the bank's API.
Some call it a smart business move. Others say it’s a threat to open banking. So, who’s right?
Today on the show: Mary talks with Huw Davies, co-founder and chief executive at open finance company Ozone API, about what this shift could mean for banks, fintech firms and the rest of the industry. From pricing models to global lessons, Huw weighs into the money, the timing and the soap opera of U.S. banking regulation. Plus, they explore what many are not talking about right now: how banks are some of the biggest users of the technology.
Show notes:
Ozone APIChapters:
[00:00] Welcome & API Soap Opera Setup
[00:41] Meet Huw Davies: Ozone API & Global Banking Lens
[01:27] JP Morgan’s Bold Move to Charge Aggregators
[03:06] Who Owns the Data? Industry Reactions & Murky Debates
[05:02] API Monetization: A Bank’s Right or Overreach?
[08:06] Pricing Models & Global Regulatory Lessons
[13:13] Open Banking Blueprints: UK, UAE, and India Compared
[19:47] Monetization Use Cases: Identity, Payments, Embedded Lending
[24:00] What Should U.S. Banks Do Now? Strategic Advice Amid Confusion
[28:15] Wrap-Up: Contact Huw & Lock Screen FunSubscribe to the Money Isn’t Everything podcast here:
https://www.crnrstone.com/gritty-insights/podcasts/money-isnt-everything
Send us a text
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The federal government is phasing out a range of paper checks in favor of digital payments.
On the show: Mary speaks to Lurein Perera, CEO and co-founder of GiveCard, a fintech company that helps nonprofits and government agencies issue and manage prepaid debit cards for direct cash assistance programs.
They chat about the slow disappearance of checks, the importance of financial inclusion, and why money apps need to understand a variety of languages to help build trust.
Show notes:
•GiveCard
Chapters:
00:00 – Intro & The Origin of GiveCard
04:30 – Fixing Broken Systems: How GiveCard Works
07:00 – Disaster Relief in Action: LA Fires & Emergency Aid
12:00 – The Power of Cash: Real-Life Impact Stories
18:00 – Just Give People Money: Lessons from the Pandemic
25:00 – Branding with Purpose: Welcome to Giftopia
30:00 – Building for Trust & Dignity
35:00 – Founder Advice & Wrap-UpSubscribe to the Money Isn’t Everything podcast here:
https://www.crnrstone.com/gritty-insights/podcasts/money-isnt-everythingSend us a text
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Sophia Goldberg, CEO and co-founder of Ansa and author of "The Field Guide to Global Payments," views Girl Math as a joyful expression. Sophia explores the social media trend with Mary and shares her view on why it matters to all brands. They also discuss what’s broken with gift cards and opine on reward programs that resonate with people.
Subscribe to the Money Isn’t Everything podcast here:
https://www.crnrstone.com/gritty-insights/podcasts/money-isnt-everything
Send us a text
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Mary chats with Keith Armstrong, chief operating and compliance officer at Stretch, a startup that began as a neobank for people who were returning home from incarceration but has since made a notable pivot.
Keith shares the early lessons from building a product for a misunderstood audience, the limits of academic research and how buying sneakers can carry deep meaning. Plus: They explore Stretch’s new goals and the realities of banking-as-a-service post Synapse crisis.
Show notes:
StretchEscape the Odds podcastSubscribe to the Money Isn’t Everything podcast here:
https://www.crnrstone.com/gritty-insights/podcasts/money-isnt-everything
Send us a text
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On the show today, Mary talks to Elizabeth Osborne – COO at Great Lakes Credit Union – about preparing for open banking regardless of what happens to the rules. As she says: “Whether it's a credit union or a bank, we should treat it as a threat. And if it doesn't become a threat, that's great. You're prepared.”
They also explore how the credit union’s bet on bilingual chatbot Olive is working and ways Great Lakes is serving gig workers, asylum seekers and longtime members alike. Plus, Elizabeth offers candid advice for fintech founders trying to win over credit unions, and why leadership starts with listening.
Subscribe to the podcast here: https://www.crnrstone.com/gritty-insights/podcasts/money-isnt-everything
Send us a text
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On the show today: Mary chats with Amy Loh, head of marketing at Pipe and former Square veteran, about how fintech is shaking up small business finance.
Amy shares how Pipe approaches granting small businesses, like nail and hair salons, capital through their software partners at a time when some Pipe customers are seeking more money to prepare for tariff shocks.Amy also talks about Pipe’s recent acquisition of Glean.ai and shares career advice on being intentional and vocal about your growth path.
Show notes:
- Pipe
Subscribe to the podcast here: https://www.crnrstone.com/gritty-insights/podcasts/money-isnt-everythingSend us a text
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Designing for death might not be the usual founder journey—but it’s exactly what Ben Hopf is doing.
On today’s show, Mary talks with Ben, the founder and CEO of Atticus, about building tech that helps families navigate the financial chaos that follows a death.
They chat about:
How to design for grief without adding frictionHow inheritance stands to change as Gen Z comes of ageAnd yes… funeral playlists.Show notes:
Estate planning reportSend us a text
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Sure, some auto tariffs are softening. But the cost of car ownership is on the rise.
On the show today, Mary sits down with Jacob Zachs, founder and CEO of Fasten, to talk about how his startup wants to reward consumers for one of their biggest discretionary expenses – their cars. The new product, called Fasten Rewards, gives consumers rewards for their auto loans and leases, maintenance, gas and more.
Jacob talks to Mary about his ambition, auto tariffs and what's it like building a startup in a chaotic year.
Send us a text
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Today on the show, Mary talks to Shreenath Regunathan about a fresh way credit unions can prove their value to members: unlocking government benefits.
Shree is a co-founder of Starlight, an early-stage fintech company that partners with credit unions. He talks to Mary about the shrinking middle class, misconceptions around financial health and how to make government benefits sound more approachable.
Show notes:
StarlightCan fintech and banks truly help people build savings habits?Send us a text
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Today on the show: Dr. Leda Glyptis, author, advisor, keynote speaker and former banker, talks about her newer book, "Beyond Resilience" with Mary. One spoiler? Her interviews with entrepreneurs for the book were weary of being labeled as successful. As Leda says on the show: "Most people are like, 'I'm not done yet.'"
She talks to Mary about the uglier realities of being an entrepreneur, what the duo noticed at Fintech Meetup (a large fintech conference held in March), and why it's important to ask mentors what they think you're good at even if you don't like the answers.
Beyond ResilienceLeda's Fintech Futures' ColumnSend us a text
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On the show today, Mary talks to Sam Miller, co-founder and CEO of Kasheesh, about what he believes is a dangerous pattern with consumers payments: buy now, pay later.
They also explore what he’s building at Kasheesh, how to create a brand where customers don’t feel shame over their money patterns and how his company pursues talent in an AI era. As he says: “Talent is forever shifting. Now, obviously with the advances in AI, it's definitely a volatile market where you're looking at talent differently.”
Links:
Kasheesh! - Split Your Online Purchases
Girl Math: Inside the psychology of payments
Send us a text
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Diversity, Equity and Inclusion (DEI) policies are under all kinds of political and regulatory scrutiny right now. On the show today: Mary chats with Elizabeth McCluskey, a managing director of TruStage Ventures' Discovery Fund, which is a fund geared at underrepresented founders who are building products and services to expand financial access.
They chat about the business case for investing in diverse founders, how credit unions are using fintech firms to attract Gen Z and the need for intergenerational financial services products.Links:
TruStage Ventures Discovery FundSend us a text
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