『Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies』のカバーアート

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

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

著者： 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. 経済学
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  • How Fintech Is Using Voice AI for Customer Authentication

    How Fintech Is Using Voice AI for Customer Authentication
    2026/06/08
    Lucas and Luna dive into the growing use of voice biometrics for customer authentication in banking. They explore how companies like Nuance Communications and banks like HSBC are deploying voiceprints to verify callers in seconds, reducing fraud and call times. The episode examines the technology behind voice AI—spectrogram analysis and liveness detection—and discusses privacy concerns, regulatory challenges in Europe under GDPR, and the risk of synthetic voice attacks. Specific data points include a 30% reduction in call center fraud at a major UK bank and a 15-second average verification time versus two minutes for traditional security questions. The hosts also touch on how voice authentication integrates with multi-factor systems and what it means for customer experience. A balanced look at a technology that promises convenience but raises significant questions about data security and consent. #VoiceBiometrics #Fintech #CustomerAuthentication #FraudPrevention #AI #NuanceCommunications #HSBC #Banking #Privacy #GDPR #LivenessDetection #CallCenter #Security #Biometrics #Technology #Business #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo
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    7 分
  • How Fintech Is Automating Invoice Factoring for Small Businesses

    How Fintech Is Automating Invoice Factoring for Small Businesses
    2026/06/07
    In this episode of Fintech Conversations with Fexingo, Lucas and Luna dive into the quiet revolution in invoice factoring. Small businesses wait 30, 60, even 90 days for payment on invoices they've already fulfilled — and traditional factoring is slow, expensive, and paperwork-heavy. But a new wave of fintechs is using real-time bank data, AI credit scoring, and automated underwriting to turn unpaid invoices into instant cash. Lucas breaks down how startups like Fundbox and Taulia are shrinking approval times from weeks to minutes, and why the cost of capital is dropping for small businesses. Luna asks the hard questions: Is this just higher-interest lending with a new wrapper? And what happens if a buyer doesn't pay? The conversation also touches on the role of open banking in verifying invoices, the shift from recourse to non-recourse factoring, and how embedded finance is putting factoring directly inside accounting software like QuickBooks and Xero. A must-listen for anyone in fintech, small business lending, or B2B payments. #Fintech #InvoiceFactoring #SmallBusinessLending #AccountsReceivable #Fundbox #Taulia #OpenBanking #EmbeddedFinance #QuickBooks #Xero #AIUnderwriting #CashFlow #B2BPayments #BusinessFinance #FintechConversations #FexingoBusiness #BusinessPodcast #LendingInnovation Keep every episode free: buymeacoffee.com/fexingo
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    12 分
  • How Fintechs Are Using Payment Rails to Displace Traditional Wire Transfers

    How Fintechs Are Using Payment Rails to Displace Traditional Wire Transfers
    2026/06/07
    In this episode of Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies, hosts Lucas and Luna explore how fintech companies are using modern payment rails—like real-time payment networks, stablecoins, and card networks—to displace traditional wire transfers for business-to-business and cross-border payments. They focus on a specific case: a mid-sized manufacturing company that switched from bank wires to a fintech platform using the RTP network, saving $12 per transaction and cutting settlement time from three days to seconds. Lucas and Luna discuss the technology behind payment rails, the role of the Clearing House's RTP network and FedNow, and why incumbents like SWIFT are under pressure. They also touch on the economics of payment rail adoption, including hidden fees and integration challenges. The episode includes a short, organic donation segment where Luna reflects on listener support keeping the show ad-free, with a call to action at buy me a coffee dot com slash fexingo. #PaymentRails #WireTransfers #RTPNetwork #FedNow #CrossBorderPayments #B2BPayments #Fintech #Payments #SWIFT #Banking #Business #Technology #FexingoBusiness #BusinessPodcast #Finance #PaymentsInnovation #RealTimePayments #LiquidityManagement Keep every episode free: buymeacoffee.com/fexingo
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    8 分
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