Podcast appearances and mentions of Alex Johnson

American baseball player

  • 274PODCASTS
  • 483EPISODES
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  • 1WEEKLY EPISODE
  • Aug 20, 2025LATEST
Alex Johnson

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Best podcasts about Alex Johnson

Latest podcast episodes about Alex Johnson

The Fintech Factor
Inside Open Banking's Rule, Reversal, and Reset

The Fintech Factor

Play Episode Listen Later Aug 20, 2025 75:09


Welcome back to the Fintech Takes podcast. I'm Alex Johnson, joined by Dan Murphy — Founder of Sunset Park Advisors and former CFPB official who helped craft the agency's open banking rule (finalized last October). Our plan is simple: for listeners less steeped in the regulatory process, we'll walk through how the rule took shape, assess where things stand today, and focus on what comes next (and what should come next, realistic or not.) Granted, “today” remains a moving target. Just 20 minutes before we hit record, breaking news dropped that changed the open banking conversation yet again. Highlights include: The unusual bipartisan and cross-industry consensus (banks and fintechs alike) that pushed the rule across the finish line (and why that consensus collapsed after October 2024) Why JPMorgan's aggressive API fee move  rolled out while the no-fee rule was technically still in effect) may have backfired by uniting fintechs, crypto firms, merchants, and even regulators against it The hardest unresolved questions: whether banks can charge for data access, how liability is allocated when things go wrong, how far the rule should extend beyond checking and credit cards, and what counts as legitimate secondary data use. If you care about the future of data portability, the balance of power between banks and fintechs, or just want a front-row seat to the regulatory drama reshaping U.S. finance in real time, this is the episode you don't want to miss. Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page. Follow Dan Murphy: LinkedIn: https://www.linkedin.com/in/danieljmurphy01/   Follow Alex Johnson:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson X: https://www.twitter.com/AlexH_Johnson

The Fintech Factor
Why Is This Happening? The CFPB's 14-Year Culture War

The Fintech Factor

Play Episode Listen Later Aug 13, 2025 49:32


Welcome back to Fintech Takes.  I'm Alex Johnson, and today we're trying something different: a little audiobook experiment.  I'm turning my recent deep dive, “Why Is This Happening? An Exhaustive Review of the History and Nascent Culture of the CFPB,” into a podcast episode for your listening pleasure(s) anytime, anywhere. It's a sweeping, inside-the-agency history of the Consumer Financial Protection Bureau (told through interviews with more than two dozen former staffers) and an investigation into why, 14 years after its founding, the CFPB is being hollowed out in full public view. Along the way: cockroach-infested offices, chainsaw-wielding regulators, and a Mark Andreessen quote I never thought I'd have to say out loud.  If you haven't read it, or haven't revisited it since it ran in June, you'll hear the whole essay, start to finish.  And because the Bureau has been unusually busy these last two months, I've added fresh updates on what the CFPB's been up to (surprise flip-flop on open banking and intervention in the Synapse fiasco), and what those actions tell us about the future of the Bureau. Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/  And for more exclusive insider content, don't forget to check out my YouTube page.   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnsonTwitter: https://www.twitter.com/AlexH_Johnson

Fintech Recap
Fintech Recap: Open Banking Breakdown

Fintech Recap

Play Episode Listen Later Jul 30, 2025 70:48


In this episode, Alex Johnson and I discussed:* The revelation that JPMorgan Chase intends to begin charging third-parties, including aggregators like Plaid and MX, to access consumers' data rocked the U.S. fintech landscape last week. Alex and I unpacked what it could mean.* Since we recorded this last week, a group trade associations, including the Financial Technology Association and the American Fintech Council, sent a letter to President Trump, essentially asking him to reconsider the CFPB's position to abandon defense of the rule (I covered this on Sunday here.)* In a surprising turn of events, the CFPB filed a motion in the challenge brought against the rule by a small Kentucky bank, the Kentucky Bankers Association, and the Bank Policy Institute, asking the court to pause the proceedings.* The CFPB said it will undertake a new open banking rulemaking and expects to release an advanced notice of proposed rulemaking within the next three weeks, kicking off an “accelerated” rulemaking process. Stay tuned for Sunday, where I'll unpack the latest developments and what they mean for open banking.* GENIUS is law: what's next for stablecoin issuers, banks, custodians, and consumers?* And, as always, what Alex and I just can't let go of. Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe

The Fintech Factor
Fintech Recap: Chase vs. Data, Congress vs. Crypto

The Fintech Factor

Play Episode Listen Later Jul 30, 2025 72:43


Welcome back to Fintech Takes. I'm Alex Johnson, joined (as always) by my partner-in-recapping, Jason Mikula. Usually, we sift through a grab bag of headlines, but not this time. There are two seismic fintech stories worth your time (both tied to data access, control, and what comes next). So that's where we're headed. No visit to BaaS Island this time.  Our first story: JPMorgan Chase's proposed pricing for open banking API access is reportedly 10x what aggregators currently charge their customers. The fee isn't just financial; it's strategic. Payments use cases (ahem, Pay by Bank) are priced highest.  With the CFPB's open banking rule under fire (and the CFPB now switching legal sides to ask the court to toss out its own rule), we unpack what this means for consumer data access and the economics of data sharing. With Chase proposing “punitive” fees that could render key fintech use cases economically unviable, are we on the verge of screen scraping 2.0? Our second story: Congress passes the Genius Act, giving stablecoins their first real federal framework. It could be a win for players like Circle, but what does it mean for banks, tokenized deposits, and global dollar dominance? Are we just exporting U.S. monetary power through DeFi rails (and will regulators have the bandwidth to keep up)? Plus, in our Can't Let It Go corner: Jason goes off on the ethics of betting on people's divorces. Meanwhile, I spiral down the rabbit hole of Bill Pulte's unhinged Twitter (where he's on a mission to destroy FICO and get Jerome Powell fired, in ALL CAPS and random quotation marks). Enjoy! Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/  And for more exclusive insider content, don't forget to check out my YouTube page. Follow Jason: Newsletter: https://fintechbusinessweekly.substack.com/ LinkedIn: https://www.linkedin.com/in/jasonmikula/   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson

Banking With Interest
Stablecoins, Tokenized Deposits and the Race to Win the Future of Money

Banking With Interest

Play Episode Listen Later Jul 29, 2025 46:43


Alex Johnson, founder and publisher of FinTech Takes, sorts through what happens now that Congress has passed a new law to regulate stablecoins. Will stablecoins take over finance, and if so, are they a bigger threat to banks or money market mutual funds? What are the use cases for stablecoins vs. tokenized deposits? Can big banks beat stablecoin issuers at their own game?   

The Fintech Factor
Fintech Takes: Chase Leads, the CFPB Retreats, and There's Still No Throughline

The Fintech Factor

Play Episode Listen Later Jul 23, 2025 57:46


Welcome back to the Fintech Takes podcast. I'm Alex Johnson, joined by Evan Weinberger, Bloomberg Law reporter and bank regulation whisperer (and the rare guest who can quote both Caddyshack and Empire Strikes Back in a single episode, enjoy). This week's show unpacks the JP Morgan Chase open banking fee bombshell (they're now charging for access to their open banking APIs) — the story Evan himself and Bloomberg colleague Paige Smith broke — and the ripple effect it's having across fintech, data aggregators, and regulators who seem genuinely unprepared for how fast it's all moving. If there's a central theme, it's this: When the banks move first, everyone else scrambles. We dig into Chase's strategy, the pricing breakdowns, and what the “value capture” narrative says about the future of open finance. But that's just the start. Highlights include: -Why the CFPB is simultaneously gutting its rulebook and losing most of its staff -Why regulators are quietly abandoning disparate impact and what it means for fair lending -Why the Trump administration is targeting CDFIs (even though they serve many rural Southern areas aligned with the GOP) -How a data fight might unite crypto VCs and big box merchants (yes, really) This episode has it all: open banking drama, more regulatory whiplash, and fintech caught in the middle wondering what the hell just happened. Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page. Follow Evan Weinberger: LinkedIn: https://www.linkedin.com/in/evan-weinberger-3746aa4/ X: https://x.com/reporterev  Follow Alex Johnson:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson X: https://www.twitter.com/AlexH_Johnson

Quick Hands Rugby League Podcast
Lets Bring It Home EP 108

Quick Hands Rugby League Podcast

Play Episode Listen Later Jul 22, 2025 139:54


In today's jam-packed episode of the Quick Hands Podcast, we break down all the action and headlines from the world of rugby league!

Mornings with Ian Smith
The Sports Desk (23/7/25)

Mornings with Ian Smith

Play Episode Listen Later Jul 22, 2025 5:17


The Sports Desk. Ric has compiled some of the sports action from around the world, so you don't have to do the digging including, Blackcaps result v Proteas, Alex Johnson re-signs with the Bunnies & more Learn more about your ad choices. Visit megaphone.fm/adchoices

The Fintech Factor
Fintech Takes: Cards, Rent, and Crypto

The Fintech Factor

Play Episode Listen Later Jul 16, 2025 55:36


Welcome back to the Fintech Takes podcast. I'm Alex Johnson, joined by Matthew Goldman — Totavi founder, serial fintech builder (Wallaby, Vertical), ex-Bankrate, and still rocking 30 credit cards. We cover a lot of ground in this episode, but if there's a through-line, it's this: premium cards are evolving into subscription bundles, fintechs are embedding loyalty into everyday local spend, and crypto is making a broader push into full-service financial platforms. We kick things off with the Chase Sapphire Reserve $795 price hike (and why Chase wants you to downgrade). Then we get into Bilt — aptly described by Matthew as the fintech playing chess while the rest of us are still playing checkers. And finally, we dive into Coinbase's new Amex card and the rise of membership-powered ecosystems. Highlights include: -Why Chase Sapphire Reserve rewards are the Disneyland of personal finance -The hidden genius of Bilt's wedge strategy (spoiler: it's not just the rent rewards) -What crypto reward cards reveal about financial fandom and the economics of loyalty Whether you're a points junkie, an operator, or just curious why your airport lounge is so crowded … this one's for you. Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page. Follow Matthew Goldman: LinkedIn: https://www.linkedin.com/in/matthewgoldman/   Follow Alex Johnson:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson X: https://www.twitter.com/AlexH_Johnson

Breaking Banks Fintech
Fintech Tribute: Her Song Lives On

Breaking Banks Fintech

Play Episode Listen Later Jul 10, 2025 43:42


In This Episode In June we lost a pillar of our community, Barb MacLean, a brilliant fintech mind and a beloved colleague. A guest turned co-host on Breaking Banks and an invaluable member of Alloy Labs. She was truly special, she never hesitated to pay it forward or to speak truth, albeit in the most polite Canadian way, whether on podcasts or the stages of Finovate. Every week she curated a list of the most impactful things she had read and paired them with a song, publishing the Fintech Playlist. It was an honor to be included. She exposed us to new writers and new songs. For her, music was more than a backdrop — it was a language, a way to connect, to feel, to make fintech more human. This week's episode is a rerun of a favorite episode featuring Barb, JP Nicols and Alex Johnson discussing the invisible heist of business customers as part of our 'Unbreak the Bank' series. We hope to honor her legacy the way she lived it: with meaning, creativity, and community. There's a GoFundMe initiative started by her sister to support her family: https://gofund.me/81a8d4c5 And a Fintech Playlist T-shirt, with 100% of the proceeds going to Barb's family: https://www.bonfire.com/fintech-tribute-t-shirt-her-song-lives-on/ Let's keep her song playing!

Fintech Recap
Fintech Recap: Will Depositors Be Rescued from BaaS Island?

Fintech Recap

Play Episode Listen Later Jul 2, 2025 61:19


In this episode, Alex Johnson of Fintech Takes and I discuss:* FICO launches new scores that incorporate pay-in-four buy now, pay later data. But will it make a difference?* The CFPB files a statement of interest in the Synapse bankruptcy, potentially setting up a backdoor bailout to make out-of-pocket depositors whole. Does it set a bad precedent?* A brief word on crypto mortgages.* And, as always, what Alex and I just can't let go of. Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe

The Fintech Factor
Fintech Recap: BNPL's Black Box, Synapse's Maybe-Bailout, and Crypto Dreams

The Fintech Factor

Play Episode Listen Later Jul 2, 2025 63:05


Welcome back to Fintech Takes. I'm Alex Johnson, joined (as always) with my partner-in-fintech-recapping, Jason Mikula. Let's get into it. First up: at long last, FICO score versions now include BNPL data, but there's a catch (several, actually). Affirm is furnishing data, but other major players like Klarna and Afterpay? Not so much. We dig into why most BNPLs resist sharing data (hint: it's expensive, complicated, and gives away their competitive edge), and how open banking could help—if you could reliably connect Klarna to Plaid (you can't). Then, just when we abandon BaaS Island, the CFPB shows up with a lifeboat with a surprise move in the Synapse bankruptcy. A four-page filing could open the door to using the Civil Penalty Fund to repay depositors. It's not quite a fintech bailout, but it might be the cleanest way to make people whole … and quietly shut the whole thing down. All of which still raises the bigger question: why did this happen in the first place (BaaS was supposed to be a thin layer on top of FDIC-insured banks)? Next, FHFA (which oversees Fannie and Freddie,  federal home loan banks, and a whole host of other interesting things) does crypto policy by tweet. Director Bill Pulte told Fannie and Freddie (via Twitter) to undertake a study for accepting crypto as mortgage collateral. According to the latest Federal Reserve data, only 8% of households used crypto in any fashion in 2024. So… why? Because someone asked. And in our Can't Let It Go corner: Jason roasts ABN AMRO's new sub-brand, BUUT (yes, BUUT), while I spiral over Circle's $56B IPO valuation (this is meme coin math applied to a narrow bank!).  Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/  And for more exclusive insider content, don't forget to check out my YouTube page. Follow Jason: Newsletter: https://fintechbusinessweekly.substack.com/ LinkedIn: https://www.linkedin.com/in/jasonmikula/   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson

The Fintech Factor
Fintech Takes: Credit Scores, Cash Flow, and the Coming Trust Collapse

The Fintech Factor

Play Episode Listen Later Jun 25, 2025 53:47


Welcome back to the Fintech Takes podcast. I'm your host, Alex Johnson, joined by Martin Kleinbard; advisor at Granular, ex-CFPB, and author of the absolute banger of a research report How Cash Flow Data Can Diffuse the Credit Score Time Bomb (which we just published on Fintech Takes!). Martin and I have been having nerdy off-the-record chats about credit risk and underwriting systems for years. But with his new research report, we had to hit record. First, we dig into the true origin story of FICO; not just the 1989 launch, but the regulatory vacuum left by 1970s civil rights legislation. And how that vacuum gave rise to the idea of a generalizable, “objective” score. A score that quickly became a proxy for trust. A tool turned institution. We unpack how: Laws meant to reduce discrimination led to over-standardization Securitization needs quietly reshaped how lenders priced risk A single point estimate became the underwriting gospel, even in the face of wildly diverging real-world ability to repay (!) Then, we turn our attention to now. Today, AI's juicing scores faster than lenders can keep up, but they're downgrading inflated FICOs when they can. This leaves consumers feeling betrayed, and the industry on the edge of a trust collapse. So, when trust in the score dies (and your customers feel misled), is there a plan for what comes next? Tune in to find out. This episode is brought to you by: Newline™ by Fifth Third is an innovative, API-first platform that enables fintechs to launch embedded payment, card and deposit solutions directly with Fifth Third Bank. Visit Newline53.com to see how Newline can elevate your business. Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page. Follow Martin Kleinbard: LinkedIn: https://www.linkedin.com/in/martin-kleinbard-6122aa1a/   Follow Alex Johnson:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnsonX: https://www.twitter.com/AlexH_Johnson

Ball Magnets
Alex Johnson: The Unluckiest Footballer in AFL History | 6 ACL Surgeries, 1 Flag | BM #80

Ball Magnets

Play Episode Listen Later Jun 25, 2025 46:26


Join us as we chat with former Sydney Swans premiership player Alex Johnson, whose incredible AFL journey includes six knee reconstructions and one of the most inspiring comebacks in footy history. Now a development coach at the Western Bulldogs, Alex shares raw insights into resilience, recovery, and life after the game.Host: https://www.instagram.com/tommitchell6/?hl=enBM Clothing: https://ballmagnets.com.auFollow all BM Socials: https://linktr.ee/ballmagnetsProducer - Bailey McCabe: https://www.instagram.com/milliondoll...Studio - Pivotal Conversations: https://www.instagram.com/pivotalconv...

The Fintech Factor
Fintech Takes: Are Stablecoins a Threat…or Just Better Infrastructure?

The Fintech Factor

Play Episode Listen Later Jun 18, 2025 61:01


Welcome back to Fintech Takes. I'm Alex Johnson, and today we're lucky enough to dig into stablecoins (again!) with James Wester, co-head of payments research at Javelin Strategy & Research, who previously led strategic communications for blockchain, crypto, and digital currencies PayPal and served as a market research analyst at IDC.  Last time on the pod, we tackled domestic payment use cases (ACH, interchange, and why crypto UX still can't touch the Starbucks app). This time, we zoom out. First, we unpack whether stablecoins are net good or net bad for community banks. The real threat isn't deposit flight; it's being boxed out of innovation. For years, regulators told community banks to steer clear of crypto. Now Stripe's leaning into stablecoins, startups are building directly on-chain, and regulators are finally creating a bank-like charter for issuers. So who's actually being served by this “innovation”? Then: what makes stablecoins different? One word: programmability. This is money you can code. Treasurers and developers love it. And if issuers get access to Fed master accounts or card networks? It could reshape BaaS (and who gets to build on it). Finally, we tackle the hard stuff: regulation, insurance, and that annoying habit of moving the goalposts. What happens if a stablecoin fails? How do you design for risk (and communicate that risk honestly to consumers)? Why does this space keep getting held to a higher bar than banks with fractional reserves? James puts it plainly: stablecoins aren't the next hot, sexy fintech product. They're utilities; more like electricity or cell service. Nobody gets excited about who powers their outlets or offers marginally better 5G. You just want it to work. And that's where stablecoins are headed: quiet, foundational, infrastructure-grade. The real innovation won't be stablecoins; it'll be the stack built on top of it. This episode is brought to you by: Newline™ by Fifth Third is an innovative, API-first platform that enables fintechs to launch embedded payment, card and deposit solutions directly with Fifth Third Bank. Visit Newline53.com to see how Newline can elevate your business. Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page. Follow James: LinkedIn: https://www.linkedin.com/in/jameswester/ X: https://x.com/jameswester   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson X: https://www.twitter.com/AlexH_Johnson

The Rich Somers Report
Competition Happens at the Bottom, People at the Top Are Collaborating | Alex Johnson Saturday Edition E359

The Rich Somers Report

Play Episode Listen Later Jun 14, 2025 10:43


Still clinging to a scarcity mindset? That's what's keeping you broke—and stuck.In this episode, Rich links up with Alex Johnson for a Saturday Edition that unpacks one simple truth: competition happens at the bottom, but collaboration is how you get to the top. They share how the real movers are partnering, exchanging ideas, building things together—and why staying siloed is a guaranteed way to lose in business, real estate, and life.They cover:Why trusting the wrong people with your dreams will kill your momentumHow to evaluate potential partners using Rich's 3-rule checklistWhat the best collabs in the mastermind have created (and how to find yours)The exact moment Rich stopped hoarding information—and everything leveled upReal examples of turning podcast guests, meetups, and mentors into wealthIf you're serious about growing, making money, and surrounding yourself with winners—it starts with shifting how you think.Let's build. Together.Connect with Alex on Instagram: @ajohns_Join our investor waitlist and stay in the know about our next investor opportunity with Somers Capital: www.somerscapital.com/invest. Want to join our Boutique Hotel Mastermind Community? Book a free strategy call with our team: www.hotelinvesting.com. If you're committed to scaling your personal brand and achieving 7-figure success, it's time to level up with the 7 Figure Creator Mastermind Community. Book your exclusive intro call today at www.the7figurecreator.com and gain access to the strategies that will accelerate your growth.

The Fintech Factor
Fintech Takes: Gambling, Finance, and the Fallout

The Fintech Factor

Play Episode Listen Later May 28, 2025 60:43


Welcome back to the Fintech Takes podcast. I'm your host, Alex Johnson, and today we're digging into one of the most urgent (and underdiscussed) financial issues in America: gambling. My guest is Alex DeMarco, founder and CEO of MoneyStack, who's helping reframe gambling addiction not just as a behavioral health issue, but as a financial systems crisis. Since 2018, when the Supreme Court cracked open the door to state-by-state legalization of mobile sports betting, we've seen a gold rush in gambling. Operators are now pulling in more than $70B annually (ads are everywhere, the apps are engineered for nonstop engagement, and the harm is rising fast). In NJ, one of the first states to legalize, 6% of adults are already experiencing moderate to severe gambling-related issues (double the national average). We connect the dots between gambling and familiar fintech business models: the same behavioral nudges, same VIP economics, the same revenue dependence on a vulnerable sliver of power users. If overdraft fees and gamified trading feel predatory, this is that (but on steroids). We unpack: Why sports betting apps now hold three times more per wager than old-school sportsbooks How engagement tactics mimic (and often outstrip) the most addictive elements of gamified finance Why we're watching investing and gambling blur into one screen (and one behavior) What proactive financial intervention might look like, and why most help comes too late How banks and fintechs can step up (detecting risk early, training advisors, and supporting families in recovery) We close with this big question: when gambling is mobile, funded from a checking account, and styled like Robinhood … can the financial industry really say it's not their problem? This episode is brought to you by: Newline™ by Fifth Third is an innovative, API-first platform that enables fintechs to launch embedded payment, card and deposit solutions directly with Fifth Third Bank. Visit Newline53.com to see how Newline can elevate your business. The world needs MoR. With Paddle as your Merchant of Record (MoR), the global growth is yours. The risk, compliance and accountability are ours. Simple. Paddle offers all the benefits of an enterprise-grade billing system but with MoR flexibility, MoR control, and MoR focus on your core product. Visit paddle.com to learn more. Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page. Follow Alex (DeMarco): LinkedIn: https://www.linkedin.com/in/alexdemarco/ MoneyStack: https://www.linkedin.com/company/moneystack/   Follow Alex (Johnson):  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson X: https://www.twitter.com/AlexH_Johnson

The Fintech Factor
Fintech Takes: What the Hell's Going On (Bank Regulation, Stablecoins, and Credit)

The Fintech Factor

Play Episode Listen Later May 14, 2025 61:27


Welcome back to Fintech Takes. I'm your host, Alex Johnson, and joining me for his second spin on the podcast merry-go-round is Rob Blackwell (Chief Content Officer at IntraFi and host of the Banking With Interest podcast). There's a whole lot of what the hell is going on in D.C. right now, so we're officially codifying this recurring segment as What the Hell Is Going On, where I throw all my burning questions at Rob Blackwell and he tries to make sense of the madness. First up, the flaming hot potato throw is aimed squarely at D.C. bank regulation, the Treasury power grab under Scott Bessant. Most Treasury Secretaries stay above the regulatory fray, but Bessant? He came armed. Rob breaks down why this Treasury Secretary is ditching the playbook, diving into the weeds, and maybe signaling the end of the “independent agency” era altogether. Then we dig into the stablecoin curveball derailing bipartisan progress: why Democrats are hitting the brakes, what Trump's meme coin has to do with it, and whether $1 trillion in deposits could vanish into the arms of Amazon, Meta, or anyone else turning payments into loyalty programs. And finally, we dig into open banking and ask whether the CFPB is about to walk back its most important rule in years…plus what that means for competition, community banks, and everyone not named JPMorgan.  Plus, a lightning round that includes policy and Star Trek (spoiler: Rob's a cat guy, and a Wrath of Khan guy)...which ends in a very serious debate about fries. This episode is brought to you by: Newline™ by Fifth Third is an innovative, API-first platform that enables fintechs to launch embedded payment, card and deposit solutions directly with Fifth Third Bank. Visit Newline53.com to see how Newline can elevate your business. The world needs MoR. With Paddle as your Merchant of Record (MoR), the global growth is yours. The risk, compliance and accountability are ours. Simple. Paddle offers all the benefits of an enterprise-grade billing system but with MoR flexibility, MoR control, and MoR focus on your core product. Visit paddle.com to learn more. Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page. Follow Rob: LinkedIn: https://www.linkedin.com/in/rob-blackwell-63884826/ X: https://x.com/robblackwellAB   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnsonX: https://www.twitter.com/AlexH_Johnson

Fintech Business Podcast
Synapse, One Year Later: A Very Special Episode

Fintech Business Podcast

Play Episode Listen Later May 9, 2025 45:12


In this episode Alex Johnson, of Fintech Takes, and Jesse Silverman, of Troutman Pepper, joined me to talk about:* Recent developments in the bankruptcy case (spoiler: Jesse isn't a bankruptcy lawyer!)* Who's to blame for the Synapse disaster* Reflections on some of the regulatory response, including former FDIC Chair Gruenberg's effort to roll back the 2020 brokered deposit rule and the “Synapse” ledgering and reconciliation rule* What lessons stakeholders — banks, fintechs, regulators, VCs — can and should take from this situation* And more! Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe

Breaking Banks Fintech
Breaking Banks' Hot Takes, Live From The Alloy Labs Annual Member Meeting

Breaking Banks Fintech

Play Episode Listen Later May 8, 2025 60:47


In This Episode Today, we bring you a special episode of Breaking Banks, live from the Alloy Labs Annual Member Meeting —a three-day event focused on critical discussions and deep strategy sessions for today's bank executives. While we can't disclose what was said behind closed doors, we can share some of the critical (and fiery!) conversations and topics that executives need to be thinking about and discussing, some of which we asked and addressed in this special recording. Host Jason Henrichs brings the sauce and is joined by recognized industry voices and Hot Takes contributors Kia Haslett from Bank Director, Alex Johnson of Fintech Takes, and Chris Nichols, Director of Capital Markets at South State Bank and writer of South State's Banker to Banker blog. Leave us a comment on LinkedIn about what you liked, and you may just find yourself the winner of one of the limited-edition Hot Takes hot sauces the panelists enjoyed! First come, first served on the sauce (while supplies last). Don't delay—listen now and join the discussion. https://www.youtube.com/watch?v=mr4Y_eTI_O8

The Fintech Factor
Fintech Recap: BaaS Breakdown, Super App Déjà Vu, and the Tomo Trainwreck

The Fintech Factor

Play Episode Listen Later May 7, 2025 58:16


Welcome back to Fintech Takes. I'm Alex Johnson, joined by Jason Mikula, and we are once again unable to resist the siren call of Bass Island. Tour we must. First up on BaaS Island, Increase is trying to buy a tiny Washington state bank to build the BaaS Warp Core of the future: tight tech + charter in one stack. We explore what this means for infrastructure players trying to outgrow their middleware roots. Next, California drops a consent order on Hatch Bank…without the FDIC. Are states taking the lead on BaaS enforcement, or is this just D.C. chaos fallout? Meanwhile, the cracks keep spreading. We tour banks that bet on building their own stacks and lost—just as Fiserv quietly deepens its reach into embedded finance via Thread Bank and its Finxact core. Is BaaS headed toward a two-lane future: tech-forward banks vs. core providers? Then it's time for a Vegas flashback: Ryan Breslow's latest Bolt reboot is here. The payments super app now offers crypto, debit rewards, peer-to-peer payments, ecomm tracking (and a sweet Spotify playlist). We're getting serious Echo déjà vu. Do we need this?  And finally, the weirdest fintech lawsuit yet: TomoCredit doctored blog posts to claim a trademark on “cash score”, a term Prism (a Petal spinout) was actually applying for. Prism caught them. Tomo admitted it. It's part fraud, part farce, and a reminder that fintech grift is alive and well.. Rants, recaps, and a little righteous fury…just how we like it! Newline™ by Fifth Third is an innovative, API-first platform that enables fintechs to launch embedded payment, card and deposit solutions directly with Fifth Third Bank. Visit ⁠Newline53.com⁠ to see how Newline can elevate your business. The world needs MoR. With ⁠Paddle⁠ as your Merchant of Record (MoR), the global growth is yours. The risk, compliance and accountability are ours. Simple. Paddle offers all the benefits of an enterprise-grade billing system but with MoR flexibility, MoR control, and MoR focus on your core product. Visit ⁠paddle.com⁠ to learn more. Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/  And for more exclusive insider content, don't forget to check out my YouTube page. Follow Jason: Newsletter: https://fintechbusinessweekly.substack.com/ LinkedIn: https://www.linkedin.com/in/jasonmikula/   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson

The Fintech Factor
Fintech Takes: The Prodigal Return of Frank Rotman; On Financial Nihilism and Rebuilding The Game

The Fintech Factor

Play Episode Listen Later Apr 30, 2025 57:47


Welcome back to the Fintech Takes podcast. I'm your host, Alex Johnson, and today, one of our favorite guests is making a triumphant return visit—Frank Rotman, founding partner and CIO at QED Investors. Frank has a theory: in his words, the game of life is getting “harder to win.” Debt is piling up, wages are stagnant, and folks are being told they're the only ones to blame for their financial struggles. His observation is that more people see themselves as playing PvE (Player vs. Everyone), prioritizing personal survival over collective outcomes. In a world where following the rules doesn't pay off, so-called "irrational" moves like crypto gambles start making a lot more sense. We unpack what this shift means for finance, behavior, and the economy. Then, we take on a big question: is traditional financial theory broken? The old "work hard, save, invest in a 60/40 portfolio" model no longer delivers retirement security, and that's because rising costs, debt, and economic shifts have eroded its effectiveness. So, what might replace it? And how can avoiding financial mistakes be just as important as making smart investments? And finally, we explore how AI is rewriting the future of finance. Instead of generic, one-size-fits-all advice, AI-powered financial guidance could be real-time, scenario-based, and deeply personalized (aka imagine a 150-IQ financial strategist that can help you make smarter decisions on the fly...by actually talking to it? That future's not so far away). Instead of shopping for financial products, what happens when AI can custom-build financial products to fit our specific needs? Would that create a system that works for everyone—or just make it even more complex? Join us for a deep, challenging, and necessary conversation about the future of money, markets, and human behavior. Newline™ by Fifth Third is an innovative, API-first platform that enables fintechs to launch embedded payment, card and deposit solutions directly with Fifth Third Bank. Visit ⁠Newline53.com⁠ to see how Newline can elevate your business. The world needs MoR. With ⁠Paddle⁠ as your Merchant of Record (MoR), the global growth is yours. The risk, compliance and accountability are ours. Simple.Paddle offers all the benefits of an enterprise-grade billing system but with MoR flexibility, MoR control, and MoR focus on your core product. Visit ⁠paddle.com⁠ to learn more. Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page. Follow Frank: LinkedIn: https://www.linkedin.com/in/frank-rotman/ X: https://x.com/fintechjunkie   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson X: https://www.twitter.com/AlexH_Johnson

Cold Brew Got Me Like
Cold Brew Conversations VI: Author/Filmmaker Alex R. Johnson

Cold Brew Got Me Like

Play Episode Listen Later Apr 21, 2025 77:48


A conversation with one of my closest friends - writer, director, and now AUTHOR of the new book "Brooklyn Motto," Alex Johnson. Here are some links where you can purchase the book, watch his acclaimed feature film "Two Step" - as well as a beautiful short film ("Thanksgiving") Alex directed starring...ME. Plus, videos Alex directed for songs of mine - one going all the way back to the year 2000. Enjoy!"Brooklyn Motto": https://www.brooklynmotto.com/"Two Step": https://www.justwatch.com/us/movie/two-step"Thanksgiving": https://vimeo.com/19414970?fbclid=IwY2xjawJyqr5leHRuA2FlbQIxMQABHh-whlzNSokoVM_WR8GF2dzYvwKNCL9QNaB3IKg0UiUK2w3bc86Dq5_FPBS2_aem_TPHRXGXFio2CQQhMGeRgrQChris Crofton - "UFO Hunters": https://www.youtube.com/watch?v=ryK4mqugQuUChris Crofton - "Love Letter": https://www.youtube.com/watch?v=aRd_vUrHkzcChris Crofton - "Gold Paint" (2000): https://www.youtube.com/watch?v=NHcRdn0JtcY

Roots and All
Episode 331: Doug Tallamy Revisited

Roots and All

Play Episode Listen Later Apr 14, 2025 30:55


Today's episode is a bit different because I'm not well at the moment and the podcast has taken a back seat to hospital visits and sleeping lots I'm afraid. But, out of something negative comes a positive because I decided to re-master and re-release an episode from the back catalogue, and this week we're dipping back into Episode 97 with Doug Tallamy. But we're not just hitting replay. We're bringing new light to it, inspired by last week's conversation with the incredible Kelly Morse… Links Bringing Nature Home: How you can sustain wildlife with native plants by Prof Doug Tallamy Other episodes if you liked this one: If you liked this week's episode with Kelly Morse you might also enjoy this one from the archives:  Episode 58: A New Garden Ethic Sarah talks to garden designer and author Benjamin Vogt about his book A New Garden Ethic: Cultivating Defiant Compassion for an Uncertain Future.  Benjamin writes in his book how it's imperative that we take up a new style of gardening, a new garden ethic, and that we do so fast. Benjamin explains what it means for him to garden with every species in mind and what happens when we separate ourselves from the rest of our garden's community. Benjamin Vogt runs Monarch Gardens, a prairie garden design practice. His own garden was named a top outdoor space of 2012 by Apartment Therapy and has been featured in Fine Gardening, Garden Design, Nebraska Life, the Omaha World Herald, the Lincoln Journal Star and on KOLN. Episode 218: Creating Wildlife Habitats This episode, my guest is Catherine Heatherington. Catherine is a garden designer and consultant and she's the author of several books about landscape. Along with Alex Johnson, Catherine is a co-founder of Design Wild Associates, a design practice that encourages wildlife into even the smallest of urban spaces and Catherine and Alex have co-authored the recently released book ‘Habitat Creation in Garden Design'. Please support the podcast on Patreon

The Rich Somers Report
Those Who Wait For the Perfect Plan Never Play the Game | Alex Johnson Saturday Edition E332

The Rich Somers Report

Play Episode Listen Later Apr 12, 2025 17:09


Waiting for the perfect conditions before you take action? You might be waiting forever. In this Saturday edition of The Rich Somers Report, Rich sits down with co-host Alex Johnson to unpack why progress always beats perfection and how success favors those who are willing to make decisions, take risks, and pivot along the way.Rich and Alex discuss:Why overthinking and analysis paralysis keep people stuck on the sidelinesHow to build momentum by focusing on the next step, not the full pictureThe reality that most decisions aren't life-altering—and why it's better to decide and adjustLessons from real estate, business, and life that prove action leads to growthWhy making mistakes is not only inevitable, but essential for long-term successRich shares personal stories of early missteps, business challenges, and how trusting the process and taking imperfect action led to some of his biggest breakthroughs. If you've been waiting for everything to line up before you move forward, this episode is your sign to stop waiting and start playing the game.Join our investor waitlist and stay in the know about our next investor opportunity with Somers Capital: www.somerscapital.com/invest. Want to join our Boutique Hotel Mastermind Community? Book a free strategy call with our team: www.hotelinvesting.com. If you're committed to scaling your personal brand and achieving 7-figure success, it's time to level up with the 7 Figure Creator Mastermind Community. Book your exclusive intro call today at www.the7figurecreator.com and gain access to the strategies that will accelerate your growth.

The Fintech Factor
Fintech Recap: Klarna Goes Public, Mercury Splits, and Lending…Can Hurt

The Fintech Factor

Play Episode Listen Later Apr 9, 2025 64:25


Welcome back to the Fintech Takes podcast. I'm Alex Johnson, and as always, I'm joined by my partner-in-crime, Jason Mikula. Today, we're unpacking Klarna's public debut, the growing rift between Mercury and Evolv, and why getting wrecked might just be the best education in lending First up, the BNPL giant Klarna has finally gone public, filing an F1 as a foreign entity. Now as a public company, we'll get to see their actual numbers. With 93M active consumers, Klarna isn't small, but its path to profitability is still a question mark. The key stat? Transaction margins. Klarna's European banking license gives it an advantage in low-interest rate markets, but as it pushes deeper into the U.S., credit losses are an issue. The big question: can Klarna mature fast enough to bring those losses down? Next, we're diving into the fallout between Mercury and Evolv. Mercury has stopped onboarding customers through Evolv and is actively shifting accounts elsewhere—publicly, at that. Meanwhile, Evolv seems caught off guard for Mercury's departure, with mixed signals on whether this was a surprise or a slow-moving train wreck. So, what really happened? And what does it say about the state of fintech-banking relationships?  And finally, is taking a beating the only way to master lending? We think so. The right order? Start with lending, get punched in the face by risk, and then consider a bank charter. Doing it the other way around? Painful. Avoidable. And yet...it keeps happening. Please stop! Newline™ by Fifth Third is an innovative, API-first platform that enables fintechs to launch embedded payment, card and deposit solutions directly with Fifth Third Bank. Visit Newline53.com to see how Newline can elevate your business. The world needs MoR. With Paddle as your Merchant of Record (MoR), the global growth is yours. The risk, compliance and accountability are ours. Simple.Paddle offers all the benefits of an enterprise-grade billing system but with MoR flexibility, MoR control, and MoR focus on your core product. Visit paddle.com to learn more. Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/  And for more exclusive insider content, don't forget to check out my YouTube page.   Follow Jason: Newsletter: https://fintechbusinessweekly.substack.com/ LinkedIn: https://www.linkedin.com/in/jasonmikula/   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson

You Only Die Twice
Love & Basketball in Real Life | Brey and Alex Johnson |YODT EP TWENTYSEVEN

You Only Die Twice

Play Episode Listen Later Apr 4, 2025 69:43


@BreysChoice made her mark at @UNCGwbb, leading with grit, vision, and a smooth mid-range game that turned heads. Basketball was in her DNA, and her future in the game was undeniable.After building a successful career on and off the court and starting a family, life threw her another test: cancer. Open and vocal about her diagnosis, she fought through that transition with the same resilience that defined her playing days.Today, Brey is still shaping basketball culture. As the founder of @OTG3x3 and head coach at @LayUp_Basketball, she's dedicated to creating safe, empowering spaces for young athletes to learn, grow, and thrive.Her relationship with @SupermanJohnson, a former @WindsorExpress guard, captured hearts when his one-on-one proposal at Falstaff Community Centre went viral. But beyond the headlines is a story of loyalty, recovery, and a deep love for the game. And each other.

The Fintech Factor
Fintech Takes: Will Stablecoins Disrupt Retail…or Just Disappear?

The Fintech Factor

Play Episode Listen Later Mar 26, 2025 57:44


Welcome back to Fintech Takes! I'm Alex Johnson, and today we're unpacking stablecoins with James Wester, co-head of payments research at Javelin Strategy & Research.  James isn't new to the space—he's led strategic communications for blockchain, crypto, and digital currencies at PayPal (highly relevant to our conversation!) and has been a market research analyst at IDC. First up, we dive into whether stablecoins can disrupt traditional payment systems like cards and ACH. Merchants loathe interchange fees, but replacing cards with "cheaper" stablecoin solutions overlooks the added value of cards (fraud protection, rewards, and consumer trust). As for ACH, it's already a low-cost option, so what makes stablecoins stand out? Then, we dive into how Stripe's $1.1B investment in Bridge made even the skeptics rethink stablecoins. While they may not replace traditional payment rails, stablecoins have huge potential in closed ecosystems like Starbucks or Disney (imagine paying for your coffee with “Starbucks Coins” or skipping the line with “Mickey Bucks”—seriously, picture it!). Next, we tackle the UX hurdles of stablecoins. Right now with crypto, if you send funds to the wrong address, poof! They're gone. For stablecoins to really take off, they need to be as smooth as the Starbucks app, making payments simple and rewarding users without them even noticing the tech behind it. Stablecoins need that same familiarity, aka dollar-backed balances and real-world incentives, to drive adoption. In the end, stablecoins could outpace prepaid and pay-by-bank systems with their flexibility, liquidity, and potential for ecosystem-wide adoption (which comes with major advantages), although regulatory hurdles loom. They won't topple cards overnight, but in the long run? They could really reshape retail ecosystems. It's a slow burn, but the potential is huge. Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page. Follow James: LinkedIn: https://www.linkedin.com/in/jameswester/ X: https://x.com/jameswester   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson X: https://www.twitter.com/AlexH_Johnson

The Rich Somers Report
Revamping a Boutique Hotel : How We Bought Our Recent Hotel Deal in Just 37 Days & Plans to Optimize the Property | Alex Johnson (Saturday Edition) E323

The Rich Somers Report

Play Episode Listen Later Mar 22, 2025 30:40


How do you close a boutique hotel deal in just 37 days—and immediately increase its value? In this Saturday edition of The Rich Somers Report, Rich and Alex Johnson break down the recent acquisition of their latest boutique hotel in San Clemente, California. They walk through the full story, from off-market opportunity to closing, and share the operational playbook to optimize the property for cash flow and long-term appreciation.Rich and Alex discuss:How they sourced the deal through a broker relationship and closed in 37 daysWhat made this hotel an ideal addition to the Summers Capital portfolioWhy this was a rare acquisition that didn't require a full renovationThe light refresh strategy to enhance curb appeal, guest experience, and NOIHow amenity fees, breakfast programs, and cell tower sales can significantly inFor limited investment opportunities with Somers Capital: www.somerscapital.com/invest. Ready to take your investing to the next level? Join our Boutique Hotel Mastermind Community. Join a free strategy call with our team: www.hotelinvesting.com. If you're committed to scaling your personal brand and achieving 7-figure success, it's time to level up with the 7 Figure Creator Mastermind Community. Book your exclusive intro call today at www.the7figurecreator.com and gain access to the strategies that will accelerate your growth.

Breaking Banks Fintech
The Invisible Heist: How Software Companies Are Quietly Stealing Your Commercial Relationships

Breaking Banks Fintech

Play Episode Listen Later Mar 20, 2025 42:33


In This Episode Banking executives, your business customers aren't leaving you for another bank—they're leaving banking altogether— at least partially. For now. As a part of our “Unbreak the Bank” series we dissect the most significant existential threat to community financial institutions since the 2008 crisis: the systematic extraction of business banking services into everyday business software. Community banks are hemorrhaging 12-18% of operational deposits annually to companies that don't even consider themselves “banks”, and they're moving upmarket. The competitive battlefield has shifted, and “relationship banking” is not enough to compete. Customers are integrating business solutions into their daily workflow, and banks risks being shut out altogether. Discover why the future isn't about being the best business bank – it's about being a relevant layer in the best business experience. Fintech Takes founder Alex Johnson and Velocita founder Barb MacLean join host JP Nicols to reveal how embedded lending is systematically dismantling banking relationships as Quickbooks, Square, Toast, and others integrate financial services directly into business workflows, and explore some options for how banks can respond.  https://youtu.be/FV5wUyhng6c?si=KpsHDtG0V4rRXSWt

The Fintech Factor
Not Fintech Investment Advice: Payma, Shiboleth, Stablecore, and Astrada

The Fintech Factor

Play Episode Listen Later Mar 19, 2025 58:13


Welcome back to Not Fintech Investment Advice! I'm Alex Johnson, creator of Fintech Takes, recording live (!) at Fintech Meetup with my co-host, Simon Taylor—the genius behind Fintech Brain Food—sitting right across from me. How lucky are we?! Wait... how lucky are you?!? First up, Payman AI's agentic payments API lets AI initiate transactions under human oversight in a monitored, auditable environment. Backed by Visa, Coinbase, and Circle, they're blending wallet control with agent intelligence in stablecoins. Can we hold AI accountable without a chatbot fiasco (looking at you, Air Canada)? AI can go rogue, but so can humans—card controls and approvals manage it. So, how much autonomy are we willing to give AI agents? Next, staying on theme, Shiboleth is taking a fresh spin on BaaS with continuous, AI-driven verification. Gone are the days of “trust but verify”—now it's all about constant verification. Shiboleth scans everything from customer complaints to service calls, helping banks detect red flags in real-time. With fraud losses at an all-time high, can Shiboleth's solution scale? And can AI really spot subtle compliance risks without getting bogged down? Now, let's talk about Stablecore (i.e. stablecoins, but with a twist). This hybrid platform helps financial institutions use stablecoins alongside legacy systems.The short-term play is integrating with orchestration partners like Zero Hash. But as for long-term vision, are we ready for a world where deposits flow through stablecoins? Next, Estrada unbundles corporate cards, letting any Visa or MasterCard plug into spend management, ERPs, and even consumers' wallets—without needing to issue their own cards. It's “Bring Your Own Card” as a service; Estrada lets businesses tap into corporate card data without reinventing the wheel. Finally, we explore fintech "franchising" to help distribute products through banks and credit unions. Innovation's ahead of customer acquisition, but what if we could rethink distribution? 00:02:15 - Payman 00:17:13 - Shiboleth 00:30:22 - Stablecore 00:43:51 - Astrada 00:52:20 - Manifesting Fintech Ideas  Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page. Follow Simon: LinkedIn: https://www.linkedin.com/in/sytaylor/ Substack: https://sytaylor.substack.com   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson Companies featured: https://www.paymanai.com/ https://shiboleth.ai/ https://stablecore.com/ https://astrada.co/

Fintech Recap
Fintech Recap: Regulatory Remix

Fintech Recap

Play Episode Listen Later Mar 5, 2025 72:27


In this episode, Alex Johnson and I discuss:* The chaos in DC. What might in mean for banking, fintech & consumers?* Varo Bank struggles on, with a new CEO and some additional capital.* A grab bag of BNPL topics.* And, as always, what Alex and Jason just can't let go of. Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe

The Fintech Factor
Fintech Recap: Regulator Shuffle, Varo's Struggles, and BNPL's Dark Side

The Fintech Factor

Play Episode Listen Later Mar 5, 2025 73:03


Welcome back to the Fintech Takes podcast. I'm Alex Johnson, and as always, I'm joined by my partner-in-crime, Jason Mikula. Today, we're unpacking the chaos around regulatory shifts, fintech's shifting landscape, and the not-so-rosy reality of BNPL. First up, we're diving into the latest news coming from D.C. The Trump administration is considering consolidating bank supervision under the OCC, with reports of employee transfers from the FDIC and CFPB in the works. The possible gutting of agencies and the shifting regulatory approach isn't exactly a surprise, but we're seeing this transition go from theoretical to action. What's at stake for banks and fintechs? Next, we dive into Varo's challenges as the first fintech to snag a de novo bank charter during fintech 1.0's big promises. Once a leader, Varo is now facing financial losses and a shrinking customer base, while rivals like Chime scale quickly. Varo's struggles highlight the tension between building responsible products for underserved communities and navigating complex regulatory oversight. Its de novo charter has tied its hands, making it harder to compete in a fast-moving market where flexibility is key. The January CFPB report on Buy Now Pay Later (BNPL) brings eye-opening insights. Despite its claim to help those without credit, 45% of BNPL loans go to deep subprime borrowers, not credit newbies. The data also shows users stacking loans across providers, with rising credit card default rates. The takeaway: BNPL's shiny promises don't align with its impact. Plus, we're keeping the BNPL convo going with a rapid-fire round of updates. Finally, we wrap up with a few rants you won't want to miss—like the transparency crisis in financial services and crypto. Powell's vague responses to Synapse's failures highlight a deeper issue: accountability. Meanwhile, crypto's obsession with meme coins is sinking to new lows. Where have all serious players gone? We're diving in. 00:04:50 - Washingtonian Recap 00:26:41 - Varo's Charter Conundrum 00:40:59 - BNPL News, Grab Bag Style 01:07:45 - Can't Let It Go Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/  And for more exclusive insider content, don't forget to check out my YouTube page.   Follow Jason: Newsletter: https://fintechbusinessweekly.substack.com/ LinkedIn: https://www.linkedin.com/in/jasonmikula/   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson

The Fintech Factor
Fintech Takes: Regulatory Roulette on Capital Hill

The Fintech Factor

Play Episode Listen Later Feb 26, 2025 69:52


Welcome to Fintech Takes! I'm Alex Johnson, and today we're heading straight into the belly of the beast—Washington, D.C.—where regulators, banks, and fintechs are jockeying for position. Joining me is Rob Blackwell, a 20-year American Banker veteran, Intrafi's Chief Content Officer, and host of the Banking with Interest pod. Today, we're diving into the big four: CFPB, OCC, FDIC, and the Fed. Regulatory shifts are moving fast, so by the time this airs, this could all be outdated—but hey, c'est la vie! First up, the push to gut the CFPB is gaining ground in some circles, but even banks and credit unions see value in maintaining a referee. Will the CFPB be sidelined (to, ahem, crypto's benefit) or bounce back with a vengeance? Rob's take is that it'll be weakened, not wiped out—it's too useful politically. Next, the FDIC's tailored supervision shouldn't mean loosening oversight, especially where fintech partnerships are involved. Small banks aren't JPMorgan, but they still need scrutiny. Same goes for the OCC, where new leadership is prioritizing collaboration with banks while pushing for targeted regulation to keep things fair. No wild cards here; Trump's picks are pragmatic, not radical. Finally, the FDIC and Fed are pushing for clearer rules and more transparency, aiming to rein in overreach without forcing banks into unwanted partnerships. The challenge: giving banks discretion while preventing regulators from nudging them into silent exclusions. Bottom line? The rules are changing, but power plays never do. Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page. Follow Rob: LinkedIn: https://www.linkedin.com/in/rob-blackwell-63884826/ X: https://x.com/robblackwellab   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson X: https://www.twitter.com/AlexH_Johnson

Footy Talk - Rugby League Podcast
The Journos: Souths Season Already Over? Klemmer On The Move & Does Trial Form Matter?

Footy Talk - Rugby League Podcast

Play Episode Listen Later Feb 19, 2025 37:45


Buzz Rothfield & Brent Read are in with Adam Peacock to unpack the horrific news of Cam Murray rupturing his achilles. Plus we talk David Klemmer's & Josh Schuster's future, & we debate if trial form actually matters!See omnystudio.com/listener for privacy information.

The Rich Somers Report
We're Acquiring Another Boutique Hotel Below Replacement Cost, and a Quick “23 Day Close”! | Alex Johnson (Saturday Edition) E308

The Rich Somers Report

Play Episode Listen Later Feb 15, 2025 17:11


For limited investment opportunities with Somers Capital: www.somerscapital.com/invest. Ready to take your investing to the next level? Join our Boutique Hotel Mastermind Community. Join a free strategy call with our team: www.hotelinvesting.com. If you're committed to scaling your personal brand and achieving 7-figure success, it's time to level up with the 7 Figure Creator Mastermind Community. Book your exclusive intro call today at www.the7figurecreator.com and gain access to the strategies that will accelerate your growth. Need expert management for your short-term rentals or boutique hotel? Experience unmatched service by scheduling a free consultation with Excelsior Stays today: www.excelsiorstays.com/management.

Fintech Recap
Fintech Recap: Live From Salt Lake City

Fintech Recap

Play Episode Listen Later Feb 5, 2025 26:29


Hey all, Jason here.Alex Johnson, creator of the Fintech Takes newsletter, and I are happy to bring you the latest episode of our monthly podcast, Fintech Recap, where we unpack some of the biggest stories in fintech, banking, and crypto.We recorded this ~very special episode~ live during the Fintech XChange event in Salt Lake City, Utah, late last month — and were joined by Alloy Labs Alliance CEO Jason Henrichs (the more Jasons the merrier!). We had the chance to talk about:* Revelations that the Department of Justice is investigating the Synapse catastrophe* Patriot Bank's BaaS-related enforcement action* Ramp's launch of Ramp Treasury* Rohit Chopra's land stand at the CFPB* And, as always, what Alex and Jason just can't let go of…If you enjoy listening to this podcast and find value in it, please consider supporting me (and finhealth non-profits!) by signing up for a paid subscription. It wouldn't be possible to do what I do without the support of listeners like you! Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe

The Rich Somers Report
2025 Real Estate Market Forecast | Alex Johnson Saturday Edition E296

The Rich Somers Report

Play Episode Listen Later Jan 18, 2025 13:52


With interest rates still high and housing supply at record lows, what's next for real estate? In this episode of The Rich Somers Report, Rich and co-host Alex Johnson analyze the state of the market in 2025 and beyond. They explore the supply-demand dynamics, political shifts, and economic factors that could lead to a surge in real estate activity.Key topics include:Why the housing market has remained resilient despite high interest rates.The greatest wealth transfer in U.S. history and its implications for real estate.Strategies for buying in today's market, including the importance of location and adding value.Predictions on interest rate cuts, bonus depreciation, and the future of housing demand.Rich also shares his personal and business goals for 2025, including plans to add two boutique hotels to the Summers Capital portfolio and help his team members grow their own investments. If you're wondering whether now is the time to act, this episode will help you navigate the current market and prepare for what's to come.--Ready to build your boutique hotel portfolio and take your investing to the next level? Unlock our proven system by joining the Boutique Hotel Mastermind Community. Reserve your spot for a free consultation today: www.hotelinvesting.com. If you're committed to scaling your personal brand and achieving 7-figure success, it's time to level up with the 7 Figure Creator Mastermind Community. Book your exclusive intro call today at www.the7figurecreator.com and gain access to the strategies that will accelerate your growth.Want to invest with Somers Capital and take advantage of high-performing boutique hotel opportunities? Learn more about how to get involved: www.somerscapital.com/invest. Need expert management for your short-term rentals or boutique hotel? Experience unmatched service by scheduling a free consultation with Excelsior Stays today: www.excelsiorstays.com/management.

The Rich Somers Report
What Are You Going To Say No To This Year? | Alex Johnson Saturday Edition E293

The Rich Somers Report

Play Episode Listen Later Jan 11, 2025 18:05


What does it take to stay laser-focused and eliminate distractions in the new year? In this episode, Rich Somers and Alex Johnson kick off 2025 by reflecting on the power of intentional decision-making. They discuss the importance of setting boundaries, aligning with your goals, and saying "no" to the things that no longer serve you—whether in business, relationships, or personal habits.Rich shares his commitment to disciplined routines, including his 90-day no-alcohol challenge, early mornings in the gym, and strategies for scaling his hotel investment fund. Alex opens up about her approach to creating alignment in life and work, choosing meaningful priorities, and breaking free from distractions.Whether you're building a business, refining your habits, or rethinking your goals, this episode is packed with actionable insights to help you focus, grow, and make 2025 your best year yet.--Ready to build your boutique hotel portfolio and take your investing to the next level? Unlock our proven system by joining the Boutique Hotel Mastermind Community. Reserve your spot for a free consultation today: www.hotelinvesting.com. If you're committed to scaling your personal brand and achieving 7-figure success, it's time to level up with the 7 Figure Creator Mastermind Community. Book your exclusive intro call today at www.the7figurecreator.com and gain access to the strategies that will accelerate your growth.Want to invest with Somers Capital and take advantage of high-performing boutique hotel opportunities? Learn more about how to get involved: www.somerscapital.com/invest. Need expert management for your short-term rentals or boutique hotel? Experience unmatched service by scheduling a free consultation with Excelsior Stays today: www.excelsiorstays.com/management.

Consumer Finance Monitor
Navigating the New CFPB Open Banking Rule

Consumer Finance Monitor

Play Episode Listen Later Dec 26, 2024 63:43


  In today's podcast episode, we're joined by Alex Johnson, Founder of Fintech Takes, and Paige Paridon, Senior Vice President, Senior Associate General Counsel & Co-Head of Regulatory Affairs at Bank Policy Institute, to take a deep dive into the new Consumer Financial Protection Bureau Open Banking Rule. The CFPB has issued a groundbreaking final rule implementing Section 1033 of the Dodd-Frank Act, significantly expanding consumer access to their financial data. This new Open Banking Rule will have far-reaching implications for financial institutions, fintech companies, and consumers alike. In this episode, we'll explore the key aspects of this landmark regulation, such as: 1. The scope, rule requirements, and compliance deadlines 2. Complexities of implementing new interfaces and data security measures 3. Potential pitfalls and best practices to mitigate risks, including a lawsuit challenging the legality of the rule 4. How the rule can foster innovation and enhanced consumer experiences 5. The impact of presidential election and presumed appointment of new Acting Director of CFPB Alan Kaplinsky, former Practice Leader and Senior Counsel in Ballard Spahr's Consumer Financial Services Group, moderates today's episode, and is joined by Gregory Szewczyk and Hilary Lane, Partners in Ballard's Privacy and Data Security Group.

The Rich Somers Report
Figure Out The Life You Really Want, Then Say No To Everything That Isn't That | Alex Johnson E283

The Rich Somers Report

Play Episode Listen Later Dec 19, 2024 15:49


Send us a text--Ready to build your boutique hotel portfolio and take your investing to the next level? Unlock our proven system by joining the Boutique Hotel Mastermind Community. Reserve your spot for a free consultation today: www.hotelinvesting.com. If you're committed to scaling your personal brand and achieving 7-figure success, it's time to level up with the 7 Figure Creator Mastermind Community. Book your exclusive intro call today at www.the7figurecreator.com and gain access to the strategies that will accelerate your growth.Want to invest with Somers Capital and take advantage of high-performing boutique hotel opportunities? Learn more about how to get involved: www.somerscapital.com/invest. Need expert management for your short-term rentals or boutique hotel? Experience unmatched service by scheduling a free consultation with Excelsior Stays today: www.excelsiorstays.com/management.

Breaking Banks Fintech
Trust, Value & What It Means To Be Digital in Banking

Breaking Banks Fintech

Play Episode Listen Later Dec 19, 2024 66:57


In This Episode Regular listeners of Breaking Banks are likely familiar with the Killing It series, hosted by Jason Henrichs and Alex Johnson, where they explore candid stories of success, failure, and the pivotal and sometimes tough decisions that drive the journey from VCs to unicorns in the high stakes world of entrepreneurship. (If you're not, check it out!) In this episode, Brett King shifts gears with a “Starting It” theme, sitting down with industry veteran Anthony Thomson —an entrepreneur, marketer, speaker, author, and founder of Metro Bank, Atom, and 86 400. Metro Bank challenged traditional banking in the UK, while Atom and 86 400 brought innovation as neo-banks in different markets, with 86 400 later acquired by NAB (National Australia Bank) and then merged into UBank. Join this enlightening discussion as Brett and Anthony dive into the unique missions and lessons behind each of these groundbreaking ventures. And who knows? You might even get a sneak peek at the next big breakthrough in the industry! 

Banking With Interest
Crypto's Win, Stablecoins' Future & Debanking Debate

Banking With Interest

Play Episode Listen Later Dec 12, 2024 45:20


Alex Johnson, the founder and publisher of Fintech Takes, tackles several hot-button topics, including how the crypto industry's election victories will influence the next Trump administration, and why hype around stablecoins as a replacement for banks may be misplaced. He also discusses whether banks are really engaging in debanking as a prominent venture capitalist recently claimed. 

Lend Academy Podcast
Fintech Revealed: Cash Flow Underwriting with Kevin Moss and Alex Johnson

Lend Academy Podcast

Play Episode Listen Later Dec 2, 2024 54:45


Welcome to a new occasional series we are doing on the podcast called Fintech Revealed. This is where we take a deep dive into one specific topic with a couple of industry experts.In our first episode we are focused on one of my favorite topics: cash flow underwriting. I invited two of the leading credit experts, Kevin Moss and Alex Johnson, to provide a well-rounded discussion on this topic highlighting both the benefits and challenges of cash flow underwriting. We covered so much territory in this conversation, so whether you are curious about cash flow underwriting or are a seasoned veteran, I am confident you will learn a great deal.This episode was sponsored by Prism Data, the modern cash flow underwriting solution.In this podcast you will learn:What cash flow underwriting is exactly.Why cash flow underwriting is not captured in the FICO score.How Kevin was using transaction data at Wells Fargo in the early 2000s.What has happened that has accelerated the use of cash flow data in underwriting.Why banks haven't moved more quickly to implement cash flow underwriting.How subprime and prime consumers have been segregated in the current credit system.How cash flow data is different from alternative data.Why cash flow underwriting gets us back to the traditional way we used to be approved for credit.The real mission of cash flow underwriting.How well cash flow data predicts default risk and where it has the most value.What tokenization for connecting bank accounts will look like for borrowers.How streamlining the authorization process will supercharge cash flow underwriting.The types of lenders and products that are using cash flow underwriting today.The most promising use case for cash flow underwriting.How it can help the mortgage lending process.Kevin's view on how cash flow underwriting will replace debt-to-income.Why regulators such as the CFPB like cash flow underwriting so much.How cash flow data creates a lending market with more fairness.Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

The Daily Gardener
November 12, 2024 Revelations in the Fall Garden, Auguste Rodin, Princess Therese of Bavaria, Habitat Creation In Garden Design by Catherine Heatherington and Alex Johnson, and Clarissa Tucker Tracy

The Daily Gardener

Play Episode Listen Later Nov 13, 2024 24:34


Subscribe Apple | Google | Spotify | Stitcher | iHeart Support The Daily Gardener Buy Me A Coffee  Connect for FREE! The Friday Newsletter |  Daily Gardener Community Botanical History On This Day 1840 Auguste Rodin (oh-GOOST roh-DAN), the great French sculptor, was born. A man who found the divine in both marble and flowers - Auguste Rodin would ultimately earn the title of the father of modern sculpture. Today, we gardeners might better remember him as a kindred spirit who understood that true beauty grows wild and free. 1850 Princess Therese of Bavaria (teh-RAY-zuh of buh-VAIR-ee-uh), was born.  This remarkable woman found her true calling not in the gilded halls of Bavaria's royal palaces but in the wild gardens of the world. T Grow That Garden Library™  Read The Daily Gardener review of Habitat Creation In Garden Design by Catherine Heatherington and Alex Johnson  Buy the book on Amazon: Habitat Creation In Garden Design by Catherine Heatherington and Alex Johnson  Today's Botanic Spark 1818 Clarissa Tucker Tracy, a passionate botanist and the Mother of Ripon (RIP-un) College, is born. Clarissa was a remarkable woman who found her life's purpose in both plants and people, and her story reminds us that sometimes the most beautiful gardens we cultivate are the ones we plant in others' hearts. Thanks for listening to The Daily Gardener And remember: For a happy, healthy life, garden every day.

Breaking Banks Fintech
Bank-Fintech Partnerships, Open Banking and AI…oh my!

Breaking Banks Fintech

Play Episode Listen Later Nov 7, 2024 43:18


In This Episode We kick off with a crossover segment featuring Fintech Takes host and fintech insider Alex Johnson, who joins Jason to break down major themes from Money20/20 2024. Together, they explore the hot topics shaping fintech right now: bank-fintech partnerships, Banking-as-a-Service (BaaS), open banking (1033), and the evolving role of AI. Alex shares highlights from his on-stage interview with CFPB Director Rohit Chopra, where they discussed the finalized 1033 rule, the ongoing legal pushback from big banks, third-party risk management, and new BaaS standards aimed at creating more balanced partnerships. The duo also dives into the rapid-fire world of AI. Is it all just hype, or are we approaching real innovation? With regulation on the rise, there's a lot for the industry to figure out—standards, safeguards, and perhaps even a looming digital divide. Finally, Jason wraps things up with a lively chat with Mary Wisniewski, Editor-at-Large for Cornerstone Advisors. They discuss financial therapy, Mary's perspective on the latest 1033 updates, and even squeeze in a bit of Texas Hill Country fun. Hit play and join us for a packed episode!

The Rich Somers Report
The Case for Boutique Hotels: 10 Reasons Why We're Betting Big | Alex Johnson E233

The Rich Somers Report

Play Episode Listen Later Aug 26, 2024 14:31


In this episode, Rich sits down with Alex Johnson, Director of Investor Relations at Somers Capital, to dive deep into the 10 compelling reasons why we're investing in boutique hotels—and why you should, too. They explore market trends, generational predictions, and reveal our secret sauce for operating these properties successfully.Want to learn more about how you can achieve similar success? Discover our A-Z proven process for buying boutique hotels, designed to help you acquire properties within 12-18 months and potentially 2-3x their value.Interested in joining our Boutique Hotel Mastermind Community? Drop your information here: https://somerscapital.com/mastermind/. Watch Rich explain the exclusive benefits of the Mastermind community and explore what you'll gain as a member here: hotelinvesting.com. --Connect with Rich on Instagram: @rich_somersInterested in investing with Somers Capital? Visit www.somerscapital.com/invest to learn more.Interested in joining The 7 Figure Creator Mastermind? Visit www.the7figurecreator.com to book a free intro call. Interested in joining our Boutique Hotel Mastermind? Visit www.somerscapital.com/mastermind to book a free call. Interested in STR/Boutique Hotel Management? Visit www.excelsiorstays.com/management to book a free call.

The Rich Somers Report
Get in Rooms Where Your Dreams are Others' Realities | Saturday Edition Alex Johnson E233

The Rich Somers Report

Play Episode Listen Later Aug 24, 2024 14:38


In this Saturday Edition Rich and Alex share stories from their lives on lessons they've learned in friendship and business. Growing pains in friendship and business can be frustrating. Choosing who you surround yourself with impacts more than just the time spent with them. Chose your circle wisely.--Connect with Rich on Instagram: @rich_somersInterested in investing with Somers Capital? Visit www.somerscapital.com/invest to learn more.Interested in joining The 7 Figure Creator Mastermind? Visit www.the7figurecreator.com to book a free intro call. Interested in joining our Boutique Hotel Mastermind? Visit www.somerscapital.com/mastermind to book a free call. Interested in STR/Boutique Hotel Management? Visit www.excelsiorstays.com/management to book a free call.

The Rich Somers Report
10 Reasons Why We're Buying Boutique Hotels | Alex Johnson E232

The Rich Somers Report

Play Episode Listen Later Aug 22, 2024 9:05


In this episode Rich sits down with Alex Johnson the Director of Investor Relations at Somers Capital to talk about the 10 Reasons Why We're Buying Boutique Hotels and why you should too. They talk about progress in the market with buying and selling, generational predictions and lastly our secret sauce for operating our properties. --Connect with Rich on Instagram: @rich_somersInterested in investing with Somers Capital? Visit www.somerscapital.com/invest to learn more.Interested in joining The 7 Figure Creator Mastermind? Visit www.the7figurecreator.com to book a free intro call. Interested in joining our Boutique Hotel Mastermind? Visit www.somerscapital.com/mastermind to book a free call. Interested in STR/Boutique Hotel Management? Visit www.excelsiorstays.com/management to book a free call.

The Rich Somers Report
Those Who Wait For the Perfect Plan Never Play the Game | Saturday Edition E224

The Rich Somers Report

Play Episode Listen Later Aug 3, 2024 16:42


On today's Saturday Edition Episode, Rich sits down with co-host Alex Johnson to chat about why those who wait for the perfect plan never play the game. They discuss a few examples from their owns lives and share some key tips for any listeners out there who might be stuck in "analysis paralysis". --Connect with Rich on Instagram: @rich_somersInterested in investing with Somers Capital? Visit www.somerscapital.com/invest to learn more.Interested in joining The 7 Figure Creator Mastermind? Visit www.the7figurecreator.com to book a free intro call. Interested in joining our Boutique Hotel Mastermind? Visit www.somerscapital.com/mastermind to book a free call. Interested in STR/Boutique Hotel Management? Visit www.excelsiorstays.com/management to book a free call.