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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.
In this episode, Alex and I had the chance to discuss:
If there’s one idea fintech founders can’t quit, it’s solving personal financial management. There’s a new wave of AI-powered PFM tools. But can they solve some of the fundamental challenges that have prevented a breakout company from emerging in the category?
Bolt, the one-click checkout turned financial “super app,” is in the headlines, again, with further layoffs and as it struggles to pay its vendors. Why Americans don’t really want a “super app.”
Congress actually tries to legislate: the bipartisan PACE Act could offer a pathway for non-banks to have direct access to payment rails. But, even if it were to become law (a big if), as a layer on top of existing requirements and at a time when getting a bank charter seems easier than ever, is the PACE Act fit for purpose?
And, as always, what Alex and I just can’t let go of.
