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

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

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

By: Fexingo
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Lucas and Luna dissect the forces reshaping how money moves — from the plumbing of real-time payments to the regulatory battles over open banking. Each episode focuses on a single company, regulation, or technology: the rise of embedded finance at Stripe, the transformation of Fiserv's core processing, or the SEC's latest stance on crypto custody. Lucas brings the numbers — market caps, fee structures, adoption curves — while Luna pushes on strategic trade-offs: incumbents versus neobanks, the cost of compliance, the gamble on decentralized ledgers. No hype, no jargon salads. Just the two of them walking through what actually works, what doesn't, and why. This show is for product managers, fintech analysts, payments ops leads, and anyone who needs to understand the financial software stack without the sales pitch. By the end of each conversation, you'll know the key metric that matters, the biggest risk nobody's talking about, and the one question you should ask your vendor. #Fintech #Payments #Banking #FinancialSoftware #OpenBanking #EmbeddedFinance #RealTimePayments #Neobanks #DigitalPayments #CoreBanking #RegTech #Stripe #Fiserv #SEC #BusinessPodcast #Finance #FexingoBusiness #Business Keep every episode free: buymeacoffee.com/fexingo© 2026 Fexingo. All rights reserved. Economics
Episodes
  • How Fintechs Use AI for Personalized Health Savings

    How Fintechs Use AI for Personalized Health Savings
    Jun 29 2026
    Episode 81 of Fintech Conversations dives into the intersection of fintech and healthcare savings. Lucas and Luna explore how startups like HealthEquity and newer players such as Carrot are using AI to personalize Health Savings Account (HSA) recommendations. The show breaks down a specific case: how one fintech analyzes a user's medical claims history, pharmacy data, and tax bracket to suggest optimal contribution amounts and investment allocations. They discuss the 2026 regulatory landscape, including the increase in HSA contribution limits tied to inflation, and how AI-driven nudges are improving user engagement by 40% year-over-year. The hosts also touch on the broader trend of embedded finance in healthcare, comparing HSAs to the rise of flexible spending accounts and the role of APIs in connecting employer benefits platforms. If you're building or running a fintech product, this episode offers a concrete look at how AI is making health savings smarter, not just more automated. #Fintech #HealthTech #HSA #HealthSavings #ArtificialIntelligence #Personalization #HealthEquity #Carrot #EmbeddedFinance #BenefitsTech #API #FinancialWellness #AIinFinance #Business #Technology #FexingoBusiness #BusinessPodcast #FintechConversations Keep every episode free: buymeacoffee.com/fexingo
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    9 mins
  • How Fintechs Use AI for Real-Time Invoice Discounting

    How Fintechs Use AI for Real-Time Invoice Discounting
    Jun 28 2026
    Episode 80 of Fintech Conversations with Fexingo explores how fintechs are using AI for real-time invoice discounting. Lucas and Luna break down the mechanics—how platforms like Taulia and C2FO leverage machine learning to price receivables dynamically, assess buyer credit risk in seconds, and disburse funds within hours. They discuss a concrete example: a mid-sized manufacturer in Ohio that used real-time discounting to reduce its days sales outstanding from 45 to 12. The hosts also touch on the role of open banking data and the shift from static, manual factoring to algorithmic liquidity. If you're a CFO or operations leader looking to accelerate cash conversion, this episode gives you the framework and a real-world case. #InvoiceDiscounting #AI #Fintech #CashFlow #WorkingCapital #Taulia #C2FO #OpenBanking #MachineLearning #RealTime #SupplyChainFinance #Business #Technology #Podcast #FexingoBusiness #BusinessPodcast #LucasAndLuna #FintechConversations Keep every episode free: buymeacoffee.com/fexingo
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    9 mins
  • How Fintechs Use AI for Real-Time Payment Routing Optimization

    How Fintechs Use AI for Real-Time Payment Routing Optimization
    Jun 28 2026
    In this episode of Fintech Conversations with Fexingo, Lucas and Luna dive into how fintechs are using AI to optimize payment routing in real time, slashing costs and boosting success rates. They unpack the case of Stripe's 'Optimized Routing Suite', which dynamically selects the cheapest or most reliable payment rails for each transaction. Lucas explains how machine learning models factor in card type, issuer, time of day, and historical success rates to make split-second routing decisions, saving merchants basis points on every transaction. Luna challenges whether this adds complexity for smaller players, and Lucas points to no-code APIs that democratize access. They also explore the competitive landscape: how Railsr, Adyen, and Checkout.com are building similar capabilities, and why the race to zero latency matters. Tune in for a concrete look at how AI is quietly reshaping the plumbing behind every online payment. #Fintech #AI #PaymentRouting #RealTimePayments #Stripe #Adyen #Railsr #Checkout #MachineLearning #PaymentOptimization #CostSavings #TransactionRouting #FintechInnovation #Business #Technology #Payments #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo
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    8 mins
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