From alternative data underwriting and AI-powered credit models to cross-border payments, stablecoins, embedded finance, and the future of money movement, this conversation dives into how companies are rebuilding financial systems for a global, AI-driven economy.

Neetika shares Stripe’s evolution from payments to financial infrastructure, while Shivani explains how Tala uses behavioral data and AI to expand access to credit and financial resilience worldwide.

Subscribe for more conversations with operators building the future of financial services.

This episode is sponsored by Granola. Try it free for 3 months at granola.ai/thisweekinfintech using code THISWEEKINFINTECH.

Connect with the Hosts & Guest

Julie VerHage-Greenberg: https://www.linkedin.com/in/julie-verhage-greenberg-1748801b

Lauren Crossett: https://www.linkedin.com/in/lauren-crossett-b3752126

Neetika Bansal: https://www.linkedin.com/in/neetika-bansal/

Shivani Siroya: https://www.linkedin.com/in/shivanisiroya/

About The Fintech OGs

Former Bloomberg Fintech reporter Julie VerHage-Greenberg leads panels of the people who’ve taken Fintech from a hashtag to an industry through discussions on where we see the industry moving, what it takes to stay on top of the enormous changes that are still gripping the financial services industry,  and what they have learned as the best leaders in the field.  

Listen for the best up-to-date know-how from leaders in banking, payments, venture capital, fintech entrepreneurs, and all of those that have recreated financial services, and are still at it.

On this episode of The Fintech OGs, hosts Julie VerHage-Greenberg and Lauren Crossett sit down with Ian Lampl, co-founder and CEO of LoanStreet Inc., and Mike Taormina, co-founder and CEO of Vault, for a conversation about what it really looks like to build through multiple market cycles, from marketplace lending hype and COVID disruptions to crypto booms, AI momentum, and policy shifts no one can predict.

Ian shares how LoanStreet grew from a thesis around syndicated lending access for community banks and credit unions into a broader marketplace, analytics, and servicing platform. Mike reflects on the realities of scaling a fintech lender, from raising that first major pool of capital to realizing that once pricing unlocks demand, the next challenge is finding enough funding to keep up.

The conversation digs into the unknown unknowns founders face when external events suddenly reshape the business, including the overnight impact COVID had on student loan refinancing, and how resilient lending companies adapt when the model changes beneath them.

Julie and Lauren also unpack where financial infrastructure is heading, from cloud-native systems and stablecoins as a faster way to move dollar value to the practical role AI can play inside lending workflows, while Mike explains Vault’s bet on crypto-backed lending and why pledged digital assets could create a smarter way for borrowers to qualify, improve rates, and help lenders better account for collateral while staying compliant.

Subscribe for more conversations with operators building the future of financial services.

This episode is sponsored by Granola. Try it free for 3 months at granola.ai/thisweekinfintech using code THISWEEKINFINTECH.

Connect with the Hosts & Guest

Julie VerHage-Greenberg: https://www.linkedin.com/in/julie-verhage-greenberg-1748801b

Lauren Crossett: https://www.linkedin.com/in/lauren-crossett-b3752126

Ian Lampl: https://www.linkedin.com/in/ian-lampl-b7a5b684/

Mike Taormina: https://www.linkedin.com/in/michaelataormina/

About The Fintech OGs

Former Bloomberg Fintech reporter Julie VerHage-Greenberg leads panels of the people who’ve taken Fintech from a hashtag to an industry through discussions on where we see the industry moving, what it takes to stay on top of the enormous changes that are still gripping the financial services industry,  and what they have learned as the best leaders in the field.  

Listen for the best up-to-date know-how from leaders in banking, payments, venture capital, fintech entrepreneurs, and all of those that have recreated financial services, and are still at it.

Even the most polished fintech apps break on one stubborn problem: messy transaction data. The same merchant can show up differently across issuers like Amex and Chase, driving broken rewards, poor insights, fraud risk, and support noise.

We sit down with Oban MacTavish, CEO and Co-founder of Spade, and Alan Miller, Partner at Oak HC/FT, to unpack how raw transaction data gets transformed into clean, structured merchant records in real time.

From Spade’s scrappy, hand-labeled beginnings to its bet on treating enrichment as a search problem, we explore what it takes to build durable fintech infrastructure. We then step back to look at fintech’s shift toward sustainable growth, the rising importance of clean data in the AI wave, and where stablecoins and new payment rails are gaining traction.

Subscribe for more conversations with operators building the future of financial services.

This episode is sponsored by Granola. Try it free for 3 months at granola.ai/thisweekinfintech using code THISWEEKINFINTECH.

Connect with the Hosts & Guest

Julie VerHage-Greenberg: https://www.linkedin.com/in/julie-verhage-greenberg-1748801b

Lauren Crossett: https://www.linkedin.com/in/lauren-crossett-b3752126

Oban MacTavish: https://www.linkedin.com/in/oban/

Allen Miller: https://www.linkedin.com/in/allen-miller-6670b133/

About The Fintech OGs

Former Bloomberg Fintech reporter Julie VerHage-Greenberg leads panels of the people who’ve taken Fintech from a hashtag to an industry through discussions on where we see the industry moving, what it takes to stay on top of the enormous changes that are still gripping the financial services industry,  and what they have learned as the best leaders in the field.  

Listen for the best up-to-date know-how from leaders in banking, payments, venture capital, fintech entrepreneurs, and all of those that have recreated financial services, and are still at it.

Money moves faster than ever, but the hardest moments in fintech still happen when something goes wrong: a confusing transaction, a disputed charge, a fraud claim, or a control that fails when regulators come calling. We talk with Shanti Shanmugam, CEO and co-founder of Casap, and Natasha Vernier, CEO and co-founder of Cable, about what it takes to build trust in those high-stakes edge cases and how modern AI is changing the playbook for banks and fintechs.

We also get candid about founder life: the highs, the gut-punch lows, and the practical ways they stay resilient, from building a support network to separating identity from the company. Finally, we debate how agentic AI could drive more niche consumer finance products, what creates real loyalty, and what advice actually helps new grads entering fintech now.

Subscribe for more conversations with operators building the future of financial services.

Connect with the Hosts & Guest

Julie VerHage-Greenberg: https://www.linkedin.com/in/julie-verhage-greenberg-1748801b

Lauren Crossett: https://www.linkedin.com/in/lauren-crossett-b3752126

Shanthi Shanmugam: https://www.linkedin.com/in/shanthi-shanmugam-4057284a

Natasha Vernier: https://www.linkedin.com/in/natashavernier

About The Fintech OGs

Former Bloomberg Fintech reporter Julie VerHage-Greenberg leads panels of the people who’ve taken Fintech from a hashtag to an industry through discussions on where we see the industry moving, what it takes to stay on top of the enormous changes that are still gripping the financial services industry,  and what they have learned as the best leaders in the field.  

Listen for the best up-to-date know-how from leaders in banking, payments, venture capital, fintech entrepreneurs, and all of those that have recreated financial services, and are still at it.

Welcome back to This Week in Fintech and another episode of Fintech OGs. Season four kicks off with a look at how behavioral economics shows up in real fintech product decisions, and the gap between how fast money moves and how well users actually understand it.

This episode features Angela Hung and Dan Egan, two builders and researchers whose careers span policy research, Robinhood, Earnin, and Betterment. Together, they have helped shape how modern wealth and financial tools are designed and experienced.

The conversation takes a deep dive into how behavioral economics collides with real fintech product decisions, from robo-advisors to earned wage access. We explore why AI will reshape finance unevenly, making some experiences smarter behind the scenes while forcing hard lines around trust, accuracy, and user control. 

Julie returns as host, now joined by co-host Lauren Crossett, to sit down with the pioneers who built and transformed fintech. From the early days of digital finance to the innovations redefining money today, these are the stories behind the people who changed the industry.

Powered by Spade.

Today, I’m joined by two incredible founders who have each redefined their corner of the financial world:

• Jack Zhang, Co-founder & CEO of Airwallex, the global payments and banking platform powering 150,000+ businesses
• Leif Abraham, Co-founder & Co-CEO of Public, the next-gen investing platform helping the top 20% of millennials build long-term wealth

In this episode, we explore their journeys from coffee shops and olive oil to building billion-dollar fintechs, why they both value first principles thinking over traditional industry experience, and their candid takes on hot topics like stablecoins, AI in finance, and tokenized assets.

They share career highs, the lows of early struggles, and the unconventional advice they’d give to anyone starting in fintech today.

Huge thanks to Persona for sponsoring today's episode! Persona is the adaptable identity platform helping businesses fight fraud, meet compliance requirements, and build trust from the very first interaction. Check them out at withpersona.com/thisweekinfintech.

From early ventures like Bond Street and the first days of Cash App to today’s frontier of AI in finance, David and Owen share how FinTech continues to evolve—what’s working, what hasn’t changed fast enough, and the massive opportunities they see ahead. We cover everything from consumer financial health to small business challenges, AI-driven automation, and the next wave of credit innovation.

This is a masterclass in FinTech past, present, and future.

Charles and Cynthia first crossed paths in the early days of Betterment. This is back when robo-advisors were just starting to redefine how everyday consumers invest and have spent, over a decade building in, investing in and advising some of the most influential FinTech companies out there. It's a great conversation and I'm excited for you to dive in!

I also want to take a moment to send out a special thanks to our sponsors this week. 100% of what we got in ads for this episode is going towards Texas Flood Relief. Those of you that know me know that I am based in Austin, Texas, and while thankfully my daughter is too young to go to a sleep away camp, it hits close to home with friends having kids that go to camps that were hit along the river.

The two guests this week, Charles and Cynthia, also both have kids, and it's just unimaginable what these parents are going through. I ask all of you to keep these families in your prayers.

With that, I'll also tell you a little bit more about our sponsors. I have a feeling you guys are very familiar with all of them but just in case you're not.

First up is Lithic, who is a modern payments infrastructure provider that enables technically ambitious teams to build better payments products. Lithic's cutting edge technologies cover issuing and processing, end-to-end fraud prevention, dispute management, and cardholder support implemented as either fully managed offerings or self-service tools.

Learn more at lithic.com.

Next up we have Rho, which is the all-in-one banking platform for startups and the accountants who support them. Thousands of startups switching to Rho because they don't have time to wait days to open an account or the patience for email support queues when they just need real help.

Rho is building a new standard for business banking. With Rho, you get fast banking setup, up to 2% cash back on cards and yield on idle cash. Everything you need all in one platform from day one. Every client gets real dedicated support from a team that goes to the end of the earth to help you win.

Head to rho.co/startups to learn more. That's rho.co/startups. Rho is a FinTech company, not a bank or an FDIC. Insured depository institution checking account and card services are provided by Webster Bank NA member FDIC. See rewards terms for complete cash back details.

Last but not least, we have Spade. It’s 2025 and fintechs can spin up cards in minutes and move money in real time. But we still can’t decipher the transactions on a bank statement. Most still show up as a jumble of letters and numbers — no clear name, no location. Just noise and guesswork. 

That’s why so many fintechs and banks are turning to Spade. Spade’s API maps messy transaction strings to verified businesses — returning real merchant names, categories, and store locations in real time. So if you want reliable transaction data across cards, ACH, and more, head to spade.com. 

In this episode, we dig into their early startup days—FeeFighters, CardSpring, and Twitter M&A tales—plus what it was like building before infrastructure existed, the bets they wish they’d made sooner, and why they believe fintech is still one of the most promising sectors to build in today.

We also get into:

• What Apple Pay did accomplish—and what it still hasn’t replaced
• Why a modern global Venmo still doesn’t exist
• What Sheel looks for in the next 10 years of fintech innovation
• And why Amit advises CS students to do their “master’s degree at Stripe”

Whether you’re a founder, investor, or just love hearing two friends go deep on the evolution of a category they’ve helped pioneer, this episode is packed with insights and reflections. 

To kick things off, we’re joined by two of the most influential voices shaping the future of financial infrastructure: David Marcus, CEO of Lightspark and former head of Libra at Facebook, and Dan Kimerling, founding partner at Deciens Capital and early pioneer in banking-as-a-service.

We cover everything from the rise—and regulatory fall—of stablecoins, to why Bitcoin might just be the TCP/IP of global money movement, to what it really takes to endure the emotional highs and lows of building in fintech.

And before we dive in, a big thank you to our sponsor Persona, the adaptable identity platform helping businesses fight fraud, meet compliance requirements, and build trust from the very first interaction.

Let’s get into it.