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Metz & A Monk

David Mattox

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Radical Recovery Radio A series of podcasts discussing the issues and solutions relating to drug and alcohol addiction. Michael Metz is a recovering alcoholic, now sober for 15 years. Lama Tomas has also been in recovery for 10 years. These conversations may be lighthearted and animated, however, we hope this podcast can plant seeds for conversation and be of help to anyone currently struggling in addiction. Producer - David Mattox Artist - Mac Wolfe
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Fintech is eating the world. Join Peter Renton, Co-Founder of Fintech Nexus, every week as he interviews the fintech leaders who are leading the transformation of financial services. If you want to understand what the future will look like for lending, payments, digital banking and more tune in to Fintech One•On•One (formerly the Lend Academy Podcast).
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The Blood Brothers Podcast encourages and challenges men to engage in the lifelong adventure God is calling them to live of loving Him completely, loving others and teaching others to do the same. We will be sharing interviews and content that will inspire you to walk with Jesus more closely and connect with other brothers in your church and community so you can experience the fulfillment, joy, peace and significance you desire.
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There is a shift that is beginning to happen in financial services: using purchase history to provide more personalized offers from merchants. There is no richer data for advertisers than knowing how we actually spend our money. This is one of the reasons behind the huge growth of BNPL but today, there are some credit unions that are on the cutting…
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It is the big challenge for fintech: making the financial lives better for the those who are underserved. We have come a long way in the past decade but there is still so much more that has to be done. And one of the people who has been at the center of this fintech transformation is Arjuna Costa, Managing Partner at Flourish Ventures. He is someon…
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While BNPL has gathered all the attention these past few years, there is another point-of-sale financing category that has been around for decades: lease-to-own, sometimes called rent-to-own. It has historically been full of unscrupulous actors charging excessive fees and it is not an area that has received much attention from fintech companies. My…
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The resources that consumer lenders have to work with today are better than ever before. Gone are the days when risk officers could just pull a bureau file and have access to the best data about a potential borrower. The credit infrastructure tools today are more sophisticated and predictive, allowing lenders to serve more borrowers without expandi…
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The journey of the small business owner is often a lonely one. For many people, particularly first-time entrepreneurs, starting a small business can be overwhelming. But today, with the tools available, there has never been a better time to start a business. Having said that, most new small businesses don't make it to five years. What we need is a …
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In this episode, Nick Landis joins Ben and talks about on his service in the United States Army, How after retiring form the Army he went to work for a Fortune 500 Company. Nick then shares how losing that job led him to three prayers that changed his heart and life. So much so, he is surrendering all and working to come on staff with us as the Blo…
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It is a simple problem that every card issuer has. You have issued a credit or debit card to a new customer, so how do you get them to actually use it? More than that, how do you encourage this customer to make this new card their primary payment card. My next guest on the Fintech One-on-One podcast is Rory O'Reilly, the CEO and Co-Founder of Knot.…
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I have made no secret of my affection for earned wage access (EWA) as a product. It has been growing rapidly, particularly the last couple of years, as more consumers realize what a great tool it is. There have been several different approaches to implementing EWA from the major players in the space but no one has approached it the same way as Clai…
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The largest payments network, by volume, is the ACH network. A dollar value of several times US GDP flows through the network each quarter. It is a 50-year-old network that is reliable, ubiquitous, and still growing. While several shiny new payment rails have been developed, the workhorse of the economy remains ACH and will remain so for some time.…
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[Editor's note: This interview was recorded on April 16, six days before the news of the Synapse bankruptcy and several weeks before any of the major problems that came to light at fintechs that were working with Synapse.] To say the banking-as-a-service space is having a moment is an understatement. But many banks have been doing this successfully…
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When I think about the hottest areas in fintech these days identity verification is right at the top of the list. It impacts anyone doing business online so whether you are a bank or a fintech you need to stay on top of this fast-moving space. My next guest on the Fintech One on One podcast is Joel Sequeira, the Director of Product Management at ID…
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In the early days of the online lending space, when it came to institutional capital, one name seemed to be in more deals than any other: Victory Park Capital. And while the industry has matured a great deal since then, in no small part thanks to the capital invested by Victory Park, their thesis remains the same: lend money where banks won't. My n…
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The payments processing space has seen a huge amount of innovation in the past decade, maybe more than any other area of fintech. This innovation has presented opportunities for non-fintech companies to earn a new revenue stream via payments processing, which in turn has created a new sub-niche for fintech companies. My next guest on the Fintech On…
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Latin America continues to be, in my opinion, the most dynamic and interesting region in the world when it comes to fintech innovation. And there are now significant billion dollar deals getting done as some of the biggest financial institutions on the planet are looking to make their mark in the region. My next guest on the Fintech One-on-One podc…
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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…
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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 CE…
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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. To…
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In this episode, Hawken Lewis is back to talk with Ben about how he was impacted by the Everyman Challenge and how he now works to bring that same freedom, fulfillment, and purpose to other men. Want to know more about the why, what, and how of the Everyman Challenge? This episode is for you! Ways to connect with us - Visit BloodBrothers.org More a…
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I don't think any fintech company has done more for small business than Square. They started with payment acceptance and have since expanded into many different areas of fintech. In fact, their lending business is now the largest in all of fintech. But it was the addition of Square Banking that has allowed this fintech pioneer to bring it all toget…
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The area of fintech that has been in the news most so far this year is, without doubt, banking as a service (BaaS). We have seen consent orders, layoffs, banks ending fintech programs, ongoing disputes between BaaS companies and fintechs and there have been pivots from some of the BaaS providers. My next guest on the Fintech One-on-One podcast is C…
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Until fintech came along, there was a serious catch-22 when it came to establishing credit. There was no easy way to establish your own credit score without first obtaining credit. This became a real problem with Gen-Z and even younger millennials who have avoided credit cards. But for most people, successfully establishing a good credit score open…
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The secondary loan market has played an important role in the history of fintech lending. It was important for those early loan buyers to know that there was a robust market in place if they needed to sell a loan portfolio. And sometimes platforms would hold the loans on their own balance sheet for a few months before offloading in a secondary loan…
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In this episode, Larry Ramey talks with Ben about how he and his wife made a life altering move to love and care for their family members, trusting God with the next steps when they couldn't see the whole plan, and how Larry has found purpose since their big move. Ways to connect with us - Visit BloodBrothers.org Every Man Challenge - a 6-month cha…
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AI is making its way into many areas of banking and fintech but one area where it already has a strong foothold is detecting financial crime. And there are some companies doing new and innovative things with this AI technology here. My next guest on the Fintech One-on-One podcast is Adam Famularo, the CEO of WorkFusion. His company has created thes…
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When FedNow launched last July there was a lot of excitement in the financial community about the first new payments rail from the Fed in fifty years. There was also some trepidation. What would the rollout look like? Would banks take a wait-and-see approach? And how would the presence of RTP affect adoption? Now, almost eight months later we have …
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When it comes to financial health there is still much work to be done. While fintech has certainly made an impact here the average consumer is no more financially healthy than they were a decade ago. This is a problem that fascinates me and I love it when I talk to companies that are making a real difference in this area. My next guest on the Finte…
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Consider the humble email address. Most of us don't give this part of our identity a second thought but there is a wealth of information that can be gleaned from this one piece of data. And when it comes to fraud the email address is the most consistent predictor, more than any other data point. My next guest on the Fintech One-on-One podcast is Di…
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Small business lending is still not a solved problem in this country, or anywhere around the world for that matter, despite a decade or more attacking the problem. But today, we are seeing some new business models and new go-to-market approaches that have the potential to make a huge difference. My next guest on the Fintech One-on-One podcast is Lu…
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Embedded finance is a term that has only been around for a relatively short time. But some fintech companies have created services that could be embedded in non-financial firms for many years. It really began in the payments space and became a part of lending and we often called it lending-as-a-service before embedded lending was a thing. One of th…
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Even though banks have been going through digital transformation now for a decade or more there is obviously so much work still to be done. Big banks need help with this process, particularly when it comes to personalization as banks have historically provided products that were more in the one-size-fits-all category. My next guest on the Fintech O…
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When you think of cutting edge fintech you probably don't think about the Caribbean. But some interesting developments are happening there that we should all be paying attention to. On this episode of the Fintech One-on-One podcast, I talk with Curt Persaud, the Co-founder and CTO of Fintech Islands and Andrew B. Morris, the Chief Content Officer a…
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The small business lending space has seen a lot of innovation over the last decade with fintech leading the way. But there is still much more work to do as many small business still lack the access to capital that they deserve. My next guest on the Fintech One-on-One podcast is Steve Allocca, the head of Funding Circle USA. He has worked at some of…
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When we think about embedded finance one of the biggest opportunities is bringing financial services to vertical software companies. These software companies already have the relationship within their vertical and it often makes logical sense for them to add financial services as an add-on offering, as long as it is simple and easy to implement. My…
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Around the world, several digital banks have achieved impressive scale. But most of these fintech companies have been focused just on their home market. It is difficult to scale a global digital bank because regulations and compliance requirements differ so much between countries. But we have seen some traditional banks achieve scale in multiple co…
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The Federal Home Loan Banks (FHLBs) have been part of the financial landscape in this country since 1932. They were created (before the New Deal) in response to the housing crisis during the Great Depression. But their role has changed from a focus on housing to becoming a liquidity provider for large banks. And this has had a major impact on our f…
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While most of us would agree that we have seen significant innovation in fintech and banking over the last decade, we still don't really have a new framework for how we look at banking. My next guest on the Fintech One-on-One is someone who has thought deeply about innovation in banking and he has lived it as a co-founder of some of the biggest nam…
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There are many options for raising growth capital for established startups. With all the attention paid to venture capital, we sometimes forget that the vast majority of companies are not funded that way. Revenue-based financing has been around for more than a decade and it is a good alternative for certain types of companies. My next guest on the …
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The use of machine learning models in underwriting for consumer loans has been around for more than a decade. While fintech clearly took the lead here it has really only been the last couple of years where traditional lenders are engaging with this technology. While these AI/ML models are different from the Generative AI craze that has embraced the…
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There has been endless talk in fintech over the past year and a half about the pullback from equity investors and how difficult it is to raise money in this environment. Less is being talked about the debt investment landscape. So, I wanted to bring Jacob Haar, Founder and Managing Partner of Community Investment Management (CIM), back on the show …
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Trillions of dollars is spent on credit and debit cards every year in the US. These payments are all processed on one of the most expensive card processing networks in the world, costing merchants tens of billions of dollars. Account-to-account payments, otherwise known as pay-by-bank, is yet to take off in this country but it does have the potenti…
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There is no technology that has generated more buzz this year than generative AI. We have all played around with ChatGPT and marveled at its capabilities. But what is really happening with this technology in financial services? Or more importantly, what is going to happen? My next guest on the Fintech One-on-One podcast is Anu Sachdeva, Global Busi…
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In this episode, David Sliva sits down with Ben to talk about how he had plans to live in the U.S., how God changed those plans and is using him to rescue girls from human trafficking, as well as bringing awareness to help prevent them from being trafficked as well. The Twelve Thousand Film https://ally.org/thetwelvethousandfilm Ways to connect wit…
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There are tens of millions of Americans who have limited access to credit. Those with thin files or FICO scores below 650 often have difficulty accessing credit. Many have to resort to payday loans or pawn shops when they incur an unexpected expense. But there are fintech companies whose sole focus is serving this population with affordable credit …
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Medical debt is the number one reason people go bankrupt in the United States. So, you would think there would be a plethora of fintech companies attacking this problem from many angles. And while there are certainly lenders willing to finance medical procedures there are few companies taking a holistic approach to patient financial health. My next…
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Steve Sisco joins Ben and shares how an injury off the field, while playing for the Kansas City Royals, altered the course of his life. Steve also shares about his journey to becoming the President of Baseball Chapel, an organization that impacted him greatly, and the role Scripture and the Holy Spirit in his life. Throw in Ben and Steve's hilariou…
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The people who lead the national banking regulatory agencies typically come from long careers in banking and law with a traditional view of the banking world. But there has been one exception to this rule. My next guest on the Fintech One-on-One Podcast is Brian Brooks, the former acting head of the OCC and a current partner at O'Melveny & Myers. N…
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As recently as six or seven years ago modern payments infrastructure in Latin America didn't really exist. Most countries had a monopoly when it came to payments processing and these monopolies sit on old technology that is difficult and expensive to maintain. A lot has changed today. Digital payments infrastructure has been built and while those o…
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Chris Downing is back with Ben to talk about how God has brought creativity back into his life after Chris had put away those passions for a season. Chris and Ben also talk about criticism of work - good or bad - and how to deal with it. Ways to connect with us - Visit BloodBrothers.org Every Man Challenge - a 6-month challenge for men to live the …
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In the consumer lending space, fintech lenders have been using AI in their underwriting models for many years. But there are still many consumers who slip through the cracks and get declined for credit when they should have been approved. My next guest on the Fintech One-on-One podcast is Gal Krubiner, the CEO and Co-Founder of Pagaya. They work wi…
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When you stop and think about it, it is kind of crazy that we don't have a global network for moving money instantly and cheaply. The internet is more than 30 years old now and it seems to me that this should be a solved problem by now. But it isn't, at least not yet. My next guest on the Fintech One-on-One podcast is David Marcus, the CEO and Co-F…
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