Where can I listen to this podcast?

This podcast is available on 4 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.

Does this podcast accept guests?

No, this podcast does not typically feature guests.

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

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by Fexingo

131 episodes

Updated Daily

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Podcast Overview

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: <a href="https://buymeacoffee.com/fexingo">buymeacoffee.com/fexingo</a>

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Publishing Since

5/19/2026

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Recent Episodes

July 24, 2026

How Fintechs Use Real-Time Vehicle Data for Dynamic Insurance

Episode 131 of Fintech Conversations explores how real-time vehicle telematics is transforming auto insurance from a retrospective model into a dynamic, usage-based product. Lucas and Luna break down the shift from annual risk pools to per-mile and behavior-based pricing, using the example of Metromile which was acquired by Lemonade. They discuss how connected cars, OBD-II dongles, and smartphone sensors allow insurers to adjust premiums based on actual driving patterns, not just demographics. The hosts also examine the privacy trade-offs, the role of OEMs like Tesla and GM in owning the data, and whether pay-per-mile insurance will eventually become the default. A concrete look at how real-time data is rewriting the actuarial table. #FintechConversations #BusinessAndTechnology #RealTimeData #Telematics #UsageBasedInsurance #PayPerMile #AutoInsurance #Metromile #Lemonade #ConnectedCar #OBDII #Privacy #Tesla #GM #InsuranceTech #DynamicPricing #FexingoBusiness #BusinessPodcast Keep every episode free: <a href="https://buymeacoffee.com/fexingo">buymeacoffee.com/fexingo</a>

July 23, 2026

How Real-Time Weather Data Powers Dynamic Insurance Pricing

In Episode 130 of Fintech Conversations, Lucas and Luna explore how real-time weather data is transforming insurance pricing. They examine a specific case: a midwestern US auto insurer that integrated hyperlocal precipitation and temperature feeds to adjust premiums dynamically during severe weather events. The conversation covers the technical infrastructure—API-based data ingestion from NOAA and private weather services—and the regulatory implications, including state-level approval for usage-based insurance. Lucas explains how this differs from traditional actuarial models that rely on historical averages, while Luna questions the fairness of real-time price swings. The episode also touches on broader fintech applications: parametric insurance for agriculture and real-time climate-adjusted mortgage underwriting. Listeners learn why weather data is becoming as critical as credit data in fintech risk models, and how this shift challenges existing insurance regulations. #FintechConversationsWithFexingo #BusinessAndTechnology #Fintech #Insurance #WeatherData #RealTimeData #DynamicPricing #Insurtech #ParametricInsurance #AutoInsurance #Underwriting #RiskModeling #NOAA #APIs #Regulation #ClimateRisk #FexingoBusiness #BusinessPodcast Keep every episode free: <a href="https://buymeacoffee.com/fexingo">buymeacoffee.com/fexingo</a>

July 23, 2026

How Fintechs Use Real-Time Energy Data for Dynamic Pricing

Episode 129 of Fintech Conversations dives into a fresh angle: how real-time energy data is powering dynamic loan pricing. Lucas and Luna explore Octopus Energy's partnership with fintech lenders, where smart meter readings let borrowers offer energy consumption as a credit signal. They discuss how one UK startup, Kaluza, built a platform that lets lenders adjust interest rates based on property-level energy usage patterns. Lucas explains that a borrower with efficient heating and off-peak usage could see rates drop by up to 50 basis points. Luna questions the privacy implications and whether this could create a 'green penalty' for older homes. The hosts also touch on how this model might expand to commercial real estate and EV charging data. No abstract theorizing—just a concrete look at a live experiment reshaping credit underwriting at the intersection of fintech and climate tech. #Fintech #RealTimeData #EnergyData #DynamicPricing #OctopusEnergy #Kaluza #SmartMeters #CreditScoring #Lending #ClimateTech #OpenBanking #APIs #InterestRates #Sustainability #Business #Technology #FexingoBusiness #BusinessPodcast Keep every episode free: <a href="https://buymeacoffee.com/fexingo">buymeacoffee.com/fexingo</a>

131 total episodes available

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What is Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies?: 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: <a href="https://buymeacoffee.com/fexingo">buymeacoffee.com/fexingo</a>
How often does this podcast release new episodes?: This podcast updates daily.
Where can I listen to this podcast?: This podcast is available on 4 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.
Does this podcast accept guests?: No, this podcast does not typically feature guests.

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