Fintech Takes

Fintech Takes

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Breaking Down Banking as a Service
9 questions about the future of BaaS.
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Alex Johnson
Hands-on-the-Wheel Money
The future of banking might not be what I thought.
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Alex Johnson
Cash App is Culture (Part 1)
The challenge of building (and sustaining) a multi-product banking ecosystem.
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Alex Johnson
Fintech Enters the Era of Distribution
And the choice facing founders is this — Convenience or Community?
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Alex Johnson
The New Centers of Gravity in Financial Services
The "everything is fintech" meme is where it starts. Where does it end?
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Alex Johnson
BNPL is the New Overdraft
For now we see short-term liquidity through a glass, darkly.
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Alex Johnson
The Gentrification of Deposits
The checking account is being condemned. Here's what's replacing it.
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Alex Johnson
Big Tech is Now Focused on Financial Services
What happens when Apple and Google actually want to make money in banking?
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Alex Johnson
Payroll Data + Fintech
Three possibilities for how this emerging infrastructure category evolves.
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Alex Johnson
The Implications of Ownership
Asset ownership is becoming central to new models in financial services.
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Alex Johnson
Reimagining Mortgage Servicing
It's not technically broke, but we badly need to fix it.
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Alex Johnson
Solving the Credit Invisibility Problem
Why building on-ramps to the U.S. credit system is harder than it seems.
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Alex Johnson
© 2025 Alex Johnson
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