{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Cache Flow","title":"E63: Tech-Savvy Banking: APIs, Fintech, and Future Finance","html":"","width":"100%","height":180,"duration":3855,"description":"Meet Kent Landvatter, CEO of FinWise Bank, a financial haven for the fintech space. With 14 years at the helm, he shares intriguing insights from enabling FinTech platforms with API layers to navigating the complex web of regulation. Tune in for a deep dive into the symbiotic relationship between traditional banking and modern technology, from automated lending to combating money laundering and beyond.\nHere are a few topics we’ll discuss on this episode of Cache Flow Podcast.Kent's journey from traditional banking to FinTechFin Wise's robust SBA lending and tech stackHow APIs streamline FinTech lending operationsThe role of stable coins in modern bankingKent discusses regulatory relationships and AI\nResources:FinWise BankCurotec \nConnect with Kent Landvatter:LinkedIn\nConnect with our host, Brian Dainis:Linktree\nQuotables:05:11 - The thing that's been interesting to watch in SBA land, because I've been there for many, many years, is a lot of administrations will cut back on the subsidy or will increase the subsidy, you know, to, to save money or to, you know, expand small business lending. But SPA, and I don't have the actual data, but SPA is one of the few government programs that I believe actually at least breaks, even if not makes money for the government, because when someone does an SBA loan, part of what they pay for that SB loan, SBA loan is a fee that helps, you know, support the subsidy. So the subsidies really there as a backstop if the, if too many loans go bad, but a lot of those fees were being paid by banks and customers that are participating in the program. 05:11 - The thing that's been interesting to watch in SBA land, because I've been there for many, many years, is a lot of administrations will cut back on the subsidy or will increase the subsidy, you know, to, to save money or to, you know, expand small business lending. But SPA, and I don't have the actual data, but SPA is one of the few government programs that I believe actually at least...","thumbnail_url":"https://img.transistorcdn.com/ZY_gYzukdlRdDz8o7iZM6iCr5BZI_LzCNWv0cx0TtE8/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9zaG93/LzM0MTYyLzE2OTc4/MTEzMTAtYXJ0d29y/ay5qcGc.webp","thumbnail_width":300,"thumbnail_height":300}