Alex Johnson @AlexH_Johnson Twitter profile | Pikagi

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Alex Johnson

@AlexH_Johnson

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3,570

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16,198

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Fintech theorist, theorizing at @FintechTakes .

Bozeman, MT

https://t.co/LayaJ57h6m

Joined May 2009

Don't wanna be here? Send us removal request.

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@AlexH_Johnson

Alex Johnson

2 years

I asked a couple dozen female founders and founders of color in fintech about their experiences raising money from VCs and how that process can be improved. Here’s what they said:

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How Fintech VCs Can Actually Be Helpful -

“Let me know how I can be helpful.” This is a sentence that has been so frequently written by VCs, often at the end of an email explaining why they aren’t investing in a startup, that it has become a...

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@AlexH_Johnson

Alex Johnson

2 years

There's a saying in Fintech: You either die a consumer goods company, or live long enough to see yourself enter financial services. One company has managed to do both. Let me tell you why Starbucks is one of the most successful banks in the U.S.:

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@AlexH_Johnson

Alex Johnson

1 year

If this guy had been on the Titanic, he absolutely would have shoved women and children out of the way in his rush to the lifeboats.

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@AlexH_Johnson

Alex Johnson

2 years

If you found this thread interesting and if you would like to see more such analysis: Subscribe to my 2x/week newsletter:

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fintechtakes.com

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@AlexH_Johnson

Alex Johnson

2 years

In 2017, Economist Richard Thaler won the Nobel Prize for his research on a concept called "Nudge Theory". But, fintech companies have been using "nudging" principles for over a decade to game your dopamine receptors. Here's how they do it 🧵

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@AlexH_Johnson

Alex Johnson

2 years

Here's the magic of the Starbucks Rewards Program. Each time you load your rewards card, Starbucks holds onto that money until you're ready to spend it. Multiply this by 25 million active rewards members, and you have a company that reported $1.6 BILLION in deposits last year.

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@AlexH_Johnson

Alex Johnson

2 years

The reason that Starbucks can do this is that it doesn't have to keep an adequate reserve on hand to facilitate redemptions. The only way to cash out of Starbucks' balances is to buy something from Starbucks! So that money can be put to work in higher-yield opportunities.

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@AlexH_Johnson

Alex Johnson

2 years

Think of it as a zero-interest line of credit. Need cash to build a few dozen new locations? Really big ad campaign in the works? Upgrading equipment? No need to borrow from a bank at 2-4%. Just dip into your cash reserves and replenish it later.

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@AlexH_Johnson

Alex Johnson

2 years

Since money loaded onto the app/physical gift card never expires, a significant amount of the money is NEVER spent. Starbucks is even able to use historical data to quantify "Breakage" - How much money will never be redeemed. How much? $141 MILLION of free money in 2019 alone.

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@AlexH_Johnson

Alex Johnson

2 years

For reference: Discover, the 4th largest credit card provider in the country, only holds $470M in deposits (photo from 2016). Every year, rewards members load about $10B onto their Starbucks cards! So what does Starbucks do with all that extra cash lying around?

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@AlexH_Johnson

Alex Johnson

2 years

The Starbucks Rewards Program is responsible for ~53% of spend in their stores, making it one of the most successful rewards programs ever... While also making the company one of the most successful banks in the country.

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@AlexH_Johnson

Alex Johnson

1 year

The @theallinpod guys are just the absolute worst.

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@AlexH_Johnson

Alex Johnson

2 years

This credit line equates to roughly 4% of the company’s total liabilities. It also improves the health of the balance sheet by increasing FCF and decreasing working capital needs. With the current liability balance, Starbucks actually earns ~10% in interest on these "deposits".

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@AlexH_Johnson

Alex Johnson

2 years

Crypto is fintech. It is, literally, financial technology. Few understand this.

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@AlexH_Johnson

Alex Johnson

2 years

It all started with the gift card. Starbuck set out with a simple mission: Build a loyalty program to incentivize customers to buy more coffee. In 2008, their loyalty program was first introduced and paired with their physical gift cards.

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@AlexH_Johnson

Alex Johnson

2 years

Eventually, you accrue enough points to redeem for rewards like free refills or free WiFi access. With the loyalty program, Starbucks was attempting to change the way their cards were used - from a gift card to something resembling a charge card.

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@AlexH_Johnson

Alex Johnson

2 years

Then, everything changed with the release of the Starbucks mobile app in 2010. Now, customers could upload a digital gift card to the app, load/reload the card, and make purchases all from their phones. Their loyalty program became the Starbucks Rewards Program.

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@AlexH_Johnson

Alex Johnson

2 years

For those who don't remember (or weren't around to see it), here's how it worked: You buy a gift card for yourself and load it with any amount of money. You purchase your daily coffee using that gift card and you reload it when necessary.

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@AlexH_Johnson

Alex Johnson

2 years

These stars can be redeemed for free customizations, items from the bakery, free drinks, etc. Once they added mobile ordering and pickup in 2014, about 25% of ALL Starbucks orders in the U.S. were being paid for on mobile.

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@AlexH_Johnson

Alex Johnson

3 years

This is my favorite thing I’ve ever written.

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@AlexH_Johnson

Alex Johnson

2 years

Adoption of the mobile app exploded. With the rewards program, each purchase would award you 1 star for every dollar spent. BUT, each purchase made with the reloadable gift card would earn you 2 stars for every dollar spent.

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@AlexH_Johnson

Alex Johnson

1 year

2021 fintech unicorns looking for help from their VCs.

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@AlexH_Johnson

Alex Johnson

1 year

Now if you could please STFU.

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@AlexH_Johnson

Alex Johnson

2 years

This article on DeFi lending is amazing.

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@AlexH_Johnson

Alex Johnson

4 months

Most kids television is soulless and terrible. Not surprising given that most kids television is created by large for-profit companies and (in a new and disturbing trend) PE-backed media startups. Bluey, which is by far the best and most popular kids television show running…

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@AlexH_Johnson

Alex Johnson

2 years

I love that they included “no credit check” as a feature. Guys, it’s a *debit* card.

@coinbase

Coinbase 🛡️

2 years

💳 🎉 Starting today, any US customer can sign up for Coinbase Card. ✔️ Earn up to 4% crypto back on every swipe ✔️ No spending fees ✔️ No annual fees, credit check, or sign up requirements Sign up now at , terms apply.*

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@AlexH_Johnson

Alex Johnson

2 years

I have some exciting news to share! I also have a favor to ask. First, the favor. Reply to this tweet and tag 1 fintech founder or company who is working on an important problem and doesn't get enough attention. Now I'll share the news (and the reason for asking the favor) 🧵

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@AlexH_Johnson

Alex Johnson

3 years

Disturbing trend: fintech companies turning away qualified employment candidates because they come from a banking background. Can't really articulate how dangerously, arrogantly stupid this is. This isn't hard. If someone is smart and has the right experience, hire them.

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@AlexH_Johnson

Alex Johnson

2 years

Which fintech companies are building end-to-end lending-as-a-service offerings? Can be either consumer or commercial or both.

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@AlexH_Johnson

Alex Johnson

9 months

Dumb question - why is PayPal doing this? What problem does it solve?

@PayPal

PayPal

9 months

Today, we’re unveiling a new stablecoin, PayPal USD (PYUSD). It’s designed for payments and is backed by highly liquid and secure assets. Starting today and rolling out in the next few weeks, you’ll be able to buy, sell, hold and transfer PYUSD. Learn more

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@AlexH_Johnson

Alex Johnson

1 year

Secretary Yellen started working for the Federal Reserve in 1977, but yeah sure feel free to give her advice.

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@AlexH_Johnson

Alex Johnson

2 years

Want to learn more about the genius behind Starbucks? Take a look at @arihappywick 's thread about how Starbucks has mastered the subtle art of controversy!

@arihappywick

Ari Murray

2 years

A few days ago, Starbucks announced their Fall drinks lineup. But did you know that the news already leaked WEEKS ago? I'll let you in on a secret: The leak wasn't an accident - It's a calculated brand strategy. This is how Starbucks has mastered the art of controversy 👇🏻

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@AlexH_Johnson

Alex Johnson

2 years

The conditions are right for banking as a service (BaaS) to explode in the next few years. What will that look like? And what will happen next? I don't know, but here are 9 questions that are shaping my thinking on the future of BaaS.

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Breaking Down Banking as a Service

9 questions about the future of BaaS.

newsletter.fintechtakes.com

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@AlexH_Johnson

Alex Johnson

1 year

As used car prices come boomeranging back down from their 2021 highs, there's one group that has benefitted massively from the instability. It's not consumers — it's the auto companies. And it's all thanks to one obscure department. 🧵

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@AlexH_Johnson

Alex Johnson

2 years

You just don't see publicly traded companies voluntarily give back $150 million a year in revenue. Say what you will about the impact of neobanks, but they did that.

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Capital One eliminates overdraft fees

The new policy is expected to cost the $425.4 billion-asset bank $150 million in lost revenue per year.

www.bankingdive.com

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@AlexH_Johnson

Alex Johnson

1 year

I found it! The worst take ever on the FTX fiasco. Just spectacularly bad.

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@AlexH_Johnson

Alex Johnson

2 years

Fintech startups trying to get onboarded and into production as regulators start scrutinizing BaaS banks and platforms more closely.

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@AlexH_Johnson

Alex Johnson

3 years

Here’s an easy way to make lots of money in fintech infrastructure over the next 10 years: 1. Copy the functionality of legacy banking infrastructure products. 2. Wrap beautiful UIs around them. 3. Sell them to large neobanks, which would rather die than use products from FIS.

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@AlexH_Johnson

Alex Johnson

3 years

New Fintech Takes Newsletter! In which I introduce a new term: Underbankers.

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Success isn't defined by how many of your products a customer owns.

newsletter.fintechtakes.com

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@AlexH_Johnson

Alex Johnson

1 year

In case you were curious what 30,000 fintech meetings looks like. This is quite something @FintechMeetup .

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@AlexH_Johnson

Alex Johnson

2 years

This slide from Lending Club's latest earnings presentation is just 🤯 This is why you buy a bank.

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@AlexH_Johnson

Alex Johnson

1 year

Today's @FintechTakes newsletter is my attempt to assemble the ultimate list of fintech resources. I am a fintech content consumer, above all else, so I feel reasonably qualified to take a first pass at this. Let me know what I missed!

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The Ultimate List of Fintech Resources - Fintech Takes

Let me start by sharing a couple of things that I believe are true: So, [Hugo Weaving voice] if you see what I see, if you feel as I feel, and if you would seek as I seek, then I ask you to stand me...

fintechtakes.com

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@AlexH_Johnson

Alex Johnson

1 year

OMFG Wells Fargo gets into huge legal trouble so often that it has started talking about it as a category of regular operational expense in its earnings. Here's the CFO explaining how operating losses due to legal problems were down $2.3 billion between September and December.

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@AlexH_Johnson

Alex Johnson

1 year

Dude, what the hell are you doing?

@BillAckman

Bill Ackman

1 year

From a source I trust: @SVB_Financial depositors will get ~50% on Mon/Tues and the balance based on realized value over the next 3-6 months. If this proves true, I expect there will be bank runs beginning Monday am at a large number of non-SIB banks. No company will take even a…

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Alex Johnson

3 years

To all startup founders operating in stealth mode: chill out. I know your idea *feels* revolutionary, but it's probably something that many others have already idly considered. The difference between idle consideration and building a unicorn is execution. Ideas are cheap.

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@AlexH_Johnson

Alex Johnson

2 years

He probably won't share this story himself, so the fintech community needs to show @NikMilanovic some love. Nik is one of the nicest, most helpful, most knowledgable people in fintech and this success is very well deserved! 👏👏👏

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@AlexH_Johnson

Alex Johnson

1 year

Every consumer-facing fintech company should have a "How do we make money?" question in the FAQ section of their website.

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@AlexH_Johnson

Alex Johnson

2 years

OK, the exciting news. I am teaming up with @workweekinc to focus on writing @FintechTakes full time! My goal is to double down on the mission of @FintechTakes : to spotlight the most interesting and underdiscussed trends and companies in fintech. Intrigued? Read on 👇

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@AlexH_Johnson

Alex Johnson

2 years

I can’t wait for a fintech company to democratize access to this exciting new asset class!

Credit Suisse securitises yacht loans to oligarchs and tycoons

Swiss bank used derivatives to offload risks from lending billions to its richest clients

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@AlexH_Johnson

Alex Johnson

1 year

Hindenburg Research’s report on Block and Cash App combines a lot of facts with a deep misunderstanding of fintech and an overwhelming desire to tell a salacious story. The result is weird and frustrating and interesting. Here’s my attempt to parse it.

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@AlexH_Johnson

Alex Johnson

2 years

Here's something that surprised me (but probably shouldn't have). When I asked bank executives about "open banking", all of them define it as opening up access to *their* banking infrastructure. None of them define it as making customers' banking data portable across banks.

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@AlexH_Johnson

Alex Johnson

2 years

"Nudge Theory" essentially states that humans will default to the path of least resistance when making any decision. But, with a proper "nudge", we can be incentivized to make smarter, healthier decisions for ourselves. At least, that was the original intent.

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@AlexH_Johnson

Alex Johnson

3 years

My wife just asked me what payment method to use to minimize the cost for the merchant (a small business she really likes). I’ve been preparing for this moment for 15 years.

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@AlexH_Johnson

Alex Johnson

10 months

This is pretty funny. Over the last couple of years, Citizens Bank has introduced several neobank-like features (2-day early access to paychecks, less punitive overdraft) to its checking products. Turns out that those features have been super valuable in helping Citizens retain…

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@AlexH_Johnson

Alex Johnson

2 years

Can anyone explain to me why fintech has seemingly made no progress in Canada? What's going on up there?

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@AlexH_Johnson

Alex Johnson

2 years

So, like Cross River Bank, but with a more modern tech stack? Curious to hear what my fellow BaaS nerds think…

@column

Column

2 years

We’re pumped to publicly announce what we’ve been working on. We’re the first nationally chartered bank built for developers and builders.

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@AlexH_Johnson

Alex Johnson

1 year

The fintech community is amazing. That’s it. That’s the tweet.

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@AlexH_Johnson

Alex Johnson

2 years

For example, if you want to start eating better, you can meal prep healthy lunches for the week. If you want to save more money, you can set up auto-transfers to your savings account. The key is to reduce the number of decisions you need to make to build that positive habit.

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@AlexH_Johnson

Alex Johnson

2 years

There are multiple fintech companies being built right now that all aim to accomplish the same thing: To allow businesses to launch lending products like credit cards and BNPL services with no-code tools. But here's the thing...

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@AlexH_Johnson

Alex Johnson

4 years

There are problems and the there are PROBLEMS.

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@AlexH_Johnson

Alex Johnson

2 years

Exciting announcement for all you fintech nerds! @FintechTakes is going to be launching a brand new podcast! Introducing: The Fintech Factor

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@AlexH_Johnson

Alex Johnson

3 years

Product idea for a bank: A BNPL budgeting app for consumers to pull together all of their BNPL loans and get a unified view into their future cash flow. To build this, the bank would likely have to screen scrape the BNPL providers, which would be the ultimate irony…

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@AlexH_Johnson

Alex Johnson

2 years

This dude’s credentials as a white, male, repeat founder with a track record of failing big is more attractive to most VCs than the credentials of the vast majority of female founders and founders of color. That’s both a true fact and utterly insane.

@domm

domm

2 years

been having fun heads down building the last few months with a small team and excited to be getting closer to releasing our alpha version will release more details soon, but will say: its b2b saas, indirectly related to ecommerce, is a platform not a plugin

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@AlexH_Johnson

Alex Johnson

11 months

Play-to-earn gaming is such a VC idea. Why go to a party if there isn't an opportunity to network? Why study something in school or take a job somewhere if it won't maximize your income? Why read a book if the key takeaways can't be repackaged into a viral Twitter thread?…

@alexisohanian

Alexis Ohanian 🇦🇲

11 months

Within the next 5 years, the majority of gamers won't play games unless they are being properly valued for that time. The model is called "play-to-earn" and it will become standard for video games in the future. Let’s talk about why ↓

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@AlexH_Johnson

Alex Johnson

3 years

Is Money20/20 the Hunger Games for PR professionals? The number of frantic pitches I'm getting from PR folks representing companies at the event would seem to suggest that anyone who doesn't secure at least 5 onsite interviews gets executed. The vibe is unnerving, honestly.

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@AlexH_Johnson

Alex Johnson

5 months

I’m glad community notes jumped in here, but it’s not just this tweet. Most of the fintech commentary I’ve seen so far has been some version of “Apple couldn’t make the Apple Card work” or “See! B2C fintech is really hard!” Umm guys, the Apple Card has been a huge success.…

@KobeissiLetter

The Kobeissi Letter

@KobeissiLetter

5 months

BREAKING: Apple is shutting down its credit card partnership with Goldman Sachs. According to WSJ, the contract will be terminated within the next 12 to 15 months. The exit will cover their ENTIRE consumer partnership which began in 2019. This includes shutting down the…

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@AlexH_Johnson

Alex Johnson

1 year

If you want to know why it's probably not a good idea to use generative AI in financial services (yet), play hangman with ChatGPT. (h/t: @venturetwins for the idea!) Here's what happens 🧵

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@AlexH_Johnson

Alex Johnson

2 years

New item checked off the fintech bucket list: Speak on the main stage at Finovate ✅

@Finovate

Finovate

2 years

Alex Johnson ( @AlexH_Johnson ) of Fintech Takes #Finovate

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@AlexH_Johnson

Alex Johnson

2 years

LOOK AWAY FINTECH MARKETERS! AVERT YOUR EYES!!! -------------------------- I ranked the 30 best fintech logos in today's @FintechTakes essay. Logos are deeply subjective and so are these rankings (so don't @ me if you're mad). Enjoy!

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Fintech Logo Rankings -

Most of my career has been spent in marketing. And in my time working as a marketer, I came up with a very simple rule, intended to help me avoid professional heartbreak — never ever work on a...

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@AlexH_Johnson

Alex Johnson

1 year

@FintechKristen is a fintech real one. She wrote an essay for @FintechTakes about her experience shutting down her startup. I think it’s one of the best essays we’ve ever run.

Found & Lost: Losing Your Identity as a Founder -

An essay from Kristen Anderson, founder and CEO of Catch.

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@AlexH_Johnson

Alex Johnson

10 months

This tweet (and the replies) is a great illustration of the 15% problem in PFM. Roughly 15% of the population (including most people working in tech) love to do detailed budget categorization and analysis. These are the same folks who love trying out the latest note taking and…

@kevinleeme

Kevin Lee

10 months

Tried YNAB for couple finances but the budgeting system was too intense. Migrated over to Copilot yesterday and after 3 hours of categorization, my wife and I now have a great view of our monthly budgets & overall financial health. Any other couple finances tech stack recs?

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@AlexH_Johnson

Alex Johnson

1 year

Alright fintech nerds, let's do this one more time ... I'm updating my master list of fintech resources (newsletters, podcasts, Twitter and LinkedIn follows, blogs, media companies, books, events, etc.) I'm trying to be as comprehensive as possible, so drop your lists below 👇

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@AlexH_Johnson

Alex Johnson

1 year

I wish, by retweeting this, I could also magically erase all of the terrible VC threads on SVB. That’s not possible, unfortunately. So instead I’ll just say this — listen to Frank. Frank knows.

@fintechjunkie

fintechjunkie

1 year

Every business has a core function. Some businesses make athletic shoes while others make wide screen televisions. What’s become clear over the past week is that many people don’t understand what Banks actually do. A simplified explanation if you're interested:🧵👇

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@AlexH_Johnson

Alex Johnson

20 days

This is such a weird take. Marques Brownlee's responsibility is to his audience (which is looking for his honest opinion) not to the companies/products that he covers. The concept of 'do no harm' makes absolutely no sense in this this context.

@dvassallo

Daniel Vassallo

20 days

I find it distasteful, almost unethical, to say this when you have 18 million subscribers. Hard to explain why, but with great reach comes great responsibility. Potentially killing someone else’s nascent project reeks of carelessness. First, do no harm.

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@AlexH_Johnson

Alex Johnson

1 year

@TrungTPhan He also thought that free, universal wireless power transmission was possible. Shame we don't have that one.

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@AlexH_Johnson

Alex Johnson

1 year

New @FintechTakes essay dropped early this morning. I believe we may just now be exiting the ‘Steroid Era’ in fintech. What does this mean and where are we going?

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Fintech’s Steroid Era - Fintech Takes

There have only been six times in the nearly 150-year history of professional baseball that a player has hit more than 62 home runs in a single season. Curiously, all of those instances happened...

fintechtakes.com

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@AlexH_Johnson

Alex Johnson

6 months

Breaking some news today — Plaid is becoming a consumer reporting agency (CRA) and making a big bet on lending. That story (and more!) in @FintechTakes

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Plaid Officially Jumps Into Lending - Fintech Takes

3 Fintech News Stories #1: Plaid Officially Jumps Into Lending What happened? Fintech Takes can exclusively reveal that Plaid has created a separate legal entity, which will operate as a consumer...

fintechtakes.com

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@AlexH_Johnson

Alex Johnson

3 years

I'm excited for the moment when banks and fintech companies stop fighting with each other about open finance and decide to pool their lobbying resources to fight with big tech about open data.

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@AlexH_Johnson

Alex Johnson

6 months

Finally have a definitive answer to my question!

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@AlexH_Johnson

Alex Johnson

2 years

Can anyone explain why FTX and SBF seemingly have so much money to toss around while everyone else in the crypto ecosystem is cutting back and/or looking for bailouts? What did FTX do differently?

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@AlexH_Johnson

Alex Johnson

3 years

I'm planning a DEEP DIVE into all things B2B fintech (payments, lending, insurance, vertical specific use cases, interesting examples from other geographies). Who should I talk to?

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@AlexH_Johnson

Alex Johnson

1 year

Live footage of a new Chief Compliance Officer being onboarded at a bank that has pivoted to BaaS.

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@AlexH_Johnson

Alex Johnson

1 month

Helping people in fintech get new jobs is the single most rewarding thing that I get to do professionally. Appreciate everyone on here who helps me do it!

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@AlexH_Johnson

Alex Johnson

3 years

Fintech peeps: anyone know anyone who is trying to reinvent the mortgage experience? Particularly in the servicing phase? I’m trying to get smarter about this area and would love to chat with the smartest people you know in the space. 🙏

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@AlexH_Johnson

Alex Johnson

1 year

This is fascinating. The best way to make money from a media franchise, by far, is to sell toys to kids. Everything else pales in comparison. Makes me appreciate George Lucas negotiating for rights to all Star Wars merchandise even more (h/t: @TrungTPhan )

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@AlexH_Johnson

Alex Johnson

3 months

The best PR/comms people will send you available time slots in your timezone, rather than theirs. It's a small thing, but you'd be surprised how few folks do this.

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@AlexH_Johnson

Alex Johnson

3 years

When people say "there's no such thing as a dumb question", they don't mean it literally. There are dumb questions. What they mean is that asking questions (even dumb ones) is valuable for others. And so I present Part 2 of my Foolish Fintech Questions.

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Foolish Fintech Questions: Part II

BNPL, open banking, credit scoring, crypto, NFTs, SPACs, and more!

newsletter.fintechtakes.com

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@AlexH_Johnson

Alex Johnson

10 months

If you’re a fintech company and you mention FDIC insurance on your website, you are required to clearly state the name of the bank partner(s) that the FDIC insurance is provided through. This may seem like an annoying and unnecessary little detail, but I promise you it is not.

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@AlexH_Johnson

Alex Johnson

1 year

My guys asked me to leave work early so we could go on a Valentine’s Day walk. I, of course, obliged them. This is the best job ever.

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@AlexH_Johnson

Alex Johnson

2 years

Fintech peeps - does anybody have any good examples of banks being too squeamish when it comes to certain types of products or industry verticals? Cannabis is one that I'm going to be writing about. What other examples jump out? Crypto? Online Gambling? Short-term lending?

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@AlexH_Johnson

Alex Johnson

7 months

Walked out onto the strip for the first time after landing in Vegas and I swear to god the first words I heard someone say were “Synapse” and “FBO Account”. 😂😂😂 I love @money2020 !

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@AlexH_Johnson

Alex Johnson

2 years

Fraud is rampant among P2P payment apps. This article does a good job getting into the weeds of the issue. I do (surprise surprise) have a few thoughts.

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Fraud Is Flourishing on Zelle. The Banks Say It’s Not Their Problem. (Published 2022)

Zelle, the payments platform used by millions of customers, is a popular target of scammers. But banks have been reluctant to make fraud victims whole — despite owning the system.

www.nytimes.com

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@AlexH_Johnson

Alex Johnson

1 year

BNPL providers in a rising rate environment.

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@AlexH_Johnson

Alex Johnson

1 year

Just made it to Las Vegas for Fintech Meetup. My cab driver informed me that it’s a flat rate to my hotel, but the rate doesn’t change if I want to stop by a liquor store or a dispensary. It’s 8:45 in the morning 😅

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@AlexH_Johnson

Alex Johnson

4 months

My Fintech Wish List: - A credit builder product that won’t drive me insane. - Ramp for consumers. - Paycheck diversion as a standard feature in all consumer bank accounts. - Deposit allocation tracking. - Payment protection insurance as a required feature in all consumer…

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@AlexH_Johnson

Alex Johnson

1 year

Heard from a few folks, after last week’s newsletter, who were surprised that I had never heard of Hindenburg Research before the Block report. Guys - I write 5,000 words on Fintech every week and I have two young kids at home. I can barely remember my own address anymore.

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@AlexH_Johnson

Alex Johnson

5 months

Fintech startup preparing to go through a partner bank’s due diligence process.

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@AlexH_Johnson

Alex Johnson

1 year

They don’t get a lot of attention, but Fifth Third is super smart when it comes to fintech partnerships and acquisitions. They’ve been on fire for the last couple of years.

@NewsFromBW

Latest News from Business Wire

1 year

Fifth Third Announces Acquisition of Rize Money, Inc.

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@AlexH_Johnson

Alex Johnson

9 months

If you’re a fintech VC firm and you haven’t published a thought piece on the intersection of fintech and generative AI (preferably with a market map!), you’re behind.

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@AlexH_Johnson

Alex Johnson

3 years

The future of fintech probably looks something like this: A company that knows a particular customer segment better than most adding bank and non-bank products to its stack in order to 100% solve the target customer's problem while strengthening the value of its overall network.

@AngelList

AngelList

3 years

Announcing: AngelList Stack Effortlessly create a fundraising-ready startup. We’ve already made it simple to start & manage a fund. Now, we are doing the same for startups. Includes: Incorporation, Banking, Equity Management, Fundraising, and Hiring.

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@AlexH_Johnson

Alex Johnson

2 years

Want to learn about fintech? Here are some great resources to get you started!

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About - Fintech Takes

Thoughtful takes on fintech and the future of financial services. Click to read Fintech Takes, a Substack publication with tens of thousands of subscribers.

newsletter.fintechtakes.com

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