Have you ever stopped to consider the data behind a debit or credit card transaction? I have not given it much thought, but there is a real treasure trove of information that, for the most part, is still not being used effectively.

My next guest on the Fintech One on One podcast is Mitch Jacobs, the CEO and founder of Plink. You may recognize Mitch's name as he was the founder, CEO and Chairman of OnDeck for its first seven years. Back to Plink. It may well be the most important fintech company that you have never heard of. The work they are doing around transaction personalization is truly groundbreaking.

In this podcast you will learn:

• Mitch's first entrepreneurial endeavor while in college.
• The other companies he has started.
• The idea that led to the founding of Plink.
• Why card transaction data is not used effectively today.
• How Plink has solved this problem.
• Why they focused on community banks and credit unions.
• How they enrich the raw card spending data.
• An example of how a Florida credit union is using Plink's data.
• How they are able to determine the relationships between cardholders and local businesses.
• Why the card data problem has its roots in copper wires in the 1980s.
• Why large card issuing banks have not solved this problem yet.
• The scale that Plink is already at today as far as number of merchants.
• The definition of a Plink.
• The opportunity for financial institutions to shape how cardholders are using their cards.
• What can happen you open up transaction personalization.
• The endgame for Plink.

Connect with Mitch on LinkedIn
Connect with Plink AI on LinkedIn

Connect with Fintech One-on-One:

• Tweet me @PeterRenton
• Connect with me on LinkedIn
• Find previous Fintech One-on-One episodes

One of the many challenges for low and middle income (LMI) consumers is building wealth. If you are living paycheck to paycheck with no savings you are more focused on financial survival and likely don't feel you have the capacity to build wealth. This is where Stash comes in.

My next guest on the Fintech One-on-One Podcast is Liza Landsman, the CEO of Stash, a position she has held for around a year now. They are laser-focused on the LMI consumer and have built a suite of tools to help these people save and build wealth. Their Stock-Back Card is truly innovative and is often the first time their customers have ever owned public equities.

In this podcast you will learn:

• What drew her to the CEO role at Stash.
• How Liza describes Stash and its mission.
• Who the typical Stash customer is and how they are using the app.
• Some of the changes she has made at Stash since becoming CEO.
• How their Stock-Back technology works and why it has been groundbreaking.
• The Stash 100 and their approach to financial education.
• What their customer base is focused on when it comes to learning.
• Why they created Stash Core, their back-end infrastructure platform.
• The thinking behind launching a B2B platform.
• What they learned in their Hardworking Americans Survey.
• The scale they are at today.
• How sticky their customers are and what they are doing to reduce churn.
• Liza's vision for the future of Stash.

Connect with Liza on LinkedIn
Connect with Stash on LinkedIn

Connect with Fintech One-on-One:

• Tweet me @PeterRenton
• Connect with me on LinkedIn
• Find previous Fintech One-on-One episodes

The anti-fraud space has really heated up this past 12 months as fraud attempts have been on the rise and bad actors have become more sophisticated. Often, it can feel like an increasingly difficult battle to win, but there is reason for optimism.

My next guest on the Fintech One-on-One podcast is Tommy Nicholas, the CEO and Co-Founder of Alloy. Tommy lays out in exceptional detail and with great passion why there is reason for optimism today. He also provides a blueprint for how banks and fintechs should be approaching their anti-fraud efforts. This is the third and final interview in the series I conducted at Fintech Meetup.

In this podcast you will learn:

• The inspiration and motivation for the founding of Alloy.
• A description of their product offerings.
• Why it was so difficult to build their products.
• How fraud attacks have changed over the last 12-18 months.
• How new fintechs develop their fraud protocols.
• How to avoid the death spiral to zero good customers.
• The role social media has had in increasing first-party fraud.
• What is leading to an increase in fraud attempts recently.
• The types of fraud he is seeing today and how it is preventable.
• Details of the newly announced Alloy for Embedded Finance.
• How it will transform bank-fintech partnerships.
• The luck they have had in the timing of this launch.

Connect with Tommy Nicholas on LinkedIn
Connect with Alloy on LinkedIn

Connect with Fintech One-on-One:

• Tweet me @PeterRenton
• Connect with me on LinkedIn
• Find previous Fintech One-on-One episodes