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Fintech Takes

Author: Alex Johnson

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Fintech moves fast. But here at Fintech Takes, Alex Johnson and his rotating panel of guests move faster so that you can stay on top of the latest and greatest news in the industry without breaking a sweat. 


Welcome to Fintech Takes—the place where fintech’s biggest nerds come to sit back, relax, and completely geek out.


Join Alex and a lineup of fintech’s brightest minds as they dissect what’s happening in fintech and banking. 

Each week, Alex and his guests recap the most interesting developments in fintech and explore the industry’s most pressing questions, diving headfirst into the intricate workings of some of the industry’s most ground-breaking business models and unpacking the emerging players that promise to shape fintech’s future.

From riveting conversations with fintech’s most relevant operators to comprehensive recaps of the month's most compelling news stories and in-depth analyses of the latest regulatory developments, Fintech Takes is your one-stop-shop for navigating the fintech universe.

Subscribe now to join fintech’s nerdiest podcast around!



69 Episodes
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Was Zelle a stupid way of introducing real-time payments? Is OpenAI’s CEO going all in on making Minority Report a reality? And has Alex secretly been a Swifty this whole time? On this month’s Fintech Recap, Alex and cohost Jason Mikula, dissect the right way to add monetization and value to real-time money movements and debate if Zelle missed a valuable opportunity to drive revenue. Should instantaneous money movement be a basic human right?  Then, the guys discuss the battle of credit card interchange fees, debit card processing for marijuana dispensaries, and Sam Altman’s vaguely dystopian vision of the future. Do we really need crypto incentives for a retinal-based global form of identification to separate us from artificial intelligence when we’re living off universal basic income? Can we just agree we’re not there yet, Sam?  And stay tuned for this week’s “Can’t Let it Go” segment!   Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/   Follow Jason: Substack: https://substack.com/profile/4867166-jason-mikula Twitter: https://twitter.com/mikulaja?s=20 LinkedIn: linkedin.com/in/jasonmikula   Follow Alex:  LinkedIn: linkedin.com/in/alexhjohnson Twitter: twitter.com/AlexH_Johnson
The number of independent workers in Brazil is surging, but still, full employment benefits elude most contract workers. How can this problem be fixed?  In this week’s pod, Alex is taking a deep dive into the world of Brazilian fintech to unpack the state of embedded insurtech with Isaac Matzner, co-founder of Teddy.   They discuss the differences between employment benefits in America versus Brazil, dissect the reasons why both Brazilian and Western insurance companies need to find value beyond pricing, and envision what a sustainable model should look like for the future of embedded finance. Then, the two spend a few minutes chatting about the joys of fatherhood.    0:00 Intro and Explaining Teddy 8:35 Fintech in Brazil 15:32 Adding Value to Insurance 24:16 Embedded Insurance 34:26 Believing in an Embedded Finance Future 42:40 Lessons From a Startup 42:40 Parenting and Outro   Check Out Teddy:  https://www.teddy.com.vc Follow Isaac:   LinkedIn: https://www.linkedin.com/in/isaac-matzner-78b9633/   Follow Alex:  LinkedIn: linkedin.com/in/alexhjohnson Twitter: twitter.com/AlexH_Johnson   Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/
In this month’s “Not Fintech Investment Advice” with Simon Taylor, where Alex and Simon dissect the latest and greatest fintech companies on the market, the guys dissect Noodle.shop’s ploy to be the premier mobile-first solopreneur super app. While it’s reminiscent of the early days of Square, can it develop its own set of creator incentives and create a unique experience? Then, Alex and Simon discuss whether Crux’s plan to transact and manage tax credits for clean energy developers will prove to be an effective wedge before diving into whether or not Vesta will help lenders build a better mortgage journey and why Tint’s embedded insurance system is building new value for its customers.  And, as always, don’t miss out on Alex and Simon’s future manifestations for fintech at the end!   Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/   Follow Simon: LinkedIn: https://www.linkedin.com/in/sytaylor/   Follow Alex:  LinkedIn: linkedin.com/in/alexhjohnson Twitter: twitter.com/AlexH_Johnson
It’s time for another round of Bank Nerd Corner with Alex and special guest host Kiah Haslett, and thankfully, only one bank has collapsed since its return. Kiah and Alex are geeking out on all the latest news, like MOVEit’s massive data breach, which highlights the relevance of third and fourth-party risks. With over 140 organizations hacked and 15.5 million people’s data compromised, exactly how many disclosures should be released relative to the victims?  Plus, they tackle why there’s about to be an explosion of bank M&A deals happening in the near future, debate if FedNow’s instant money transfers will make banking more fragile than ever, and answer whether or not fintech is actually winning the deposits war.   Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/   Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett   Follow Alex:  LinkedIn: linkedin.com/in/alexhjohnson Twitter: twitter.com/AlexH_Johnson
Our favorite fintech obsessive is back from parental leave, and he’s ready to tackle all of the latest fintech news you might have missed from the last couple of weeks with fellow obsessive and fintech newsletter writer, Jason Mikula.  Alex and Jason break down the latest announcement from Goldman that they’re in talks to offload their partnership with Apple to American Express. What’s the reasoning for this abrupt reversal in an otherwise successful launch of the Apple Savings Feature? And is it the final straw in the unraveling of Goldman’s consumer ambitions, or is Apple just a hard partner to work with?   Then, Alex and Jason cover the surging interest in data fraud consortiums, the leaky funnel surrounding middleware BaaS platforms, and one of the worst FDIC false claims situations Jason has ever seen.  Plus, is crypto finally cannibalizing itself with the latest launch of Justice tokens?    Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/   Follow Jason: Newsletter: https://fintechbusinessweekly.substack.com/ LinkedIn: https://www.linkedin.com/in/jasonmikula/   Follow Alex:  LinkedIn: linkedin.com/in/alexhjohnson Twitter: twitter.com/AlexH_Johnson
What happens when $270 billion of commercial mortgages expire and mature?  In this week’s Bank Nerd Corner, Alex chats with Managing Editor at Bank Director, Kiah Haslett, about the latest in fintech news, and today they’re tackling what might happen to small banks now that commercial real estate companies are faced with refinancing at significantly higher interest rates.  Plus, what’s the outcome for banks like First Republic Bank, who aren’t in the immediate throes of a liquidity crisis but aren’t really profitable either? Can they simply ride it out as they limp along?  Then, stay tuned as Kiah and Alex discuss the reasons why bank regulators aren’t always on the same page and whether or not Apple can actively pull in deposits and compete with banks.   Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/   Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett   Follow Alex:  LinkedIn: linkedin.com/in/alexhjohnson Twitter: twitter.com/AlexH_Johnson
On this week’s podcast, Alex is joined by the wise and powerful Simon Taylor, who’s taking a break from the dreary UK weather to break down a few of the most promising fintech startups and banking as a service platforms. How does Zamp’s outsourced treasury and finance team have a structural advantage in the marketplace? Can ProductFi deliver on its promises to reach underserved communities and still manage to scale? Will Playbook make good on its promise to democratize access to tax advantages for the rest of the 99%?  And how is a Brazilian fintech company utilizing chatbot technology to help 25 million plus self-employed citizens?  Tune in to discover how these innovative companies are disrupting the financial industry and changing the way we think about banking and finance!   Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/   Follow Simon: LinkedIn: https://www.linkedin.com/in/sytaylor/   Follow Alex:  LinkedIn: linkedin.com/in/alexhjohnson Twitter: twitter.com/AlexH_Johnson
In this special, four-part series, Fintech Takes’ Alex Johnson explores payroll connectivity from a variety of perspectives.    In this episode, Argyle GM Justin Stolzenberg and Column Tax co-founder Gavin Nachbar sit down to chat about the next generation of income tax products and how payroll APIs pave the way for a myriad of innovative use cases.   They discuss how tax products like Column Tax are changing the root function of financial advisors by dispensing real-time, integrated tax advice to consumers and bringing large amounts of data together in a user-centric, problem-centric way.   What other new use cases will these products continue to unlock? And, how are embedded tax solutions addressing consumer market trends such as increasing sources of income and continuous access to payroll data?      Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/   Follow Alex:    LinkedIn: linkedin.com/in/alexhjohnson Twitter: twitter.com/AlexH_Johnson   Follow Gavin:    LinkedIn: https://www.linkedin.com/in/gavinnachbar/   Follow Justin    LinkedIn: https://www.linkedin.com/in/justin-stolzenberg-128231112/   Do more for less with Argyle.   Power the digital experiences that drive performance across the customer journey with industry-leading payroll coverage. Automate income verifications, seamlessly fund bank assets, and leverage real-time work to enhance products.    Sign up today and start building your business.   Go to https://argyle.com for more information. Timestamps: 0:00 Intro 2:20 Strategic Verticals at Argyle 7:57 Mapping Out Column Tax 11:04 Unlocking New Use Cases 13:10 Continuous Access to Data 16:52 The Issues with Multiple Jobs 18:57 Consumer Market Trends 21:21 B2B & B2C Embedded Model 24:00 Thinking About Balance 28:10 Looking into the Future
In this special, four-part series, Fintech Takes’ Alex Johnson explores payroll connectivity from a variety of perspectives.   In today’s episode, John Hardesty and Kyle Green talk with Alex about how payroll connectivity streamlines the mortgage lending process, making it more straightforward than ever before for borrowers and lenders alike.    As a GM of Mortgage at Argyle, John gives his insights into the cost structure of mortgage lending, the obstacles facing the employment verification process, and how regulators benefit through increased access to payroll data.   Meanwhile, Kyle, a Senior Product Manager for Simple Nexus, shares his unique opinions about the user experience of mortgage lending technology and the common pain points along the employment verification process.   Plus, what do both envision for the future of mortgage lending technology?   Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/     Follow Alex:  LinkedIn: linkedin.com/in/alexhjohnson Twitter: twitter.com/AlexH_Johnson   Follow Kyle:  LinkedIn: Hardesty   Follow John: LinkedIn: https://www.linkedin.com/in/john-hardesty-5aa34672/   Do more for less with Argyle.   Power the digital experiences that drive performance across the customer journey with industry-leading payroll coverage. Automate income verifications, seamlessly fund bank assets, and leverage real-time work to enhance products.    Sign up today and start building your business.   Go to https://argyle.com for more information. Timestamps: 0:00 Intro 3:32 Mortgage as an Industry 10:31 Cost Structure of Mortgage Lending 14:44 Verification 18:32 Historical Background of Verification 24:50 Consumer Permission/Payroll Access 32:12 The Changing Nature of Employment 39:35 Regulators and Technology 44:45 The Future of Mortgage Lending
In this special, four-part series, Fintech Takes’ Alex Johnson explores the wide-reaching implications of programmatic, consumer-permissioned access to payroll data.    In this episode, Alex chats with Matt Gomes, GM of Consumer Lending and Banking at Argyle, and Jonathan Katz, VP of Client Development at Amount, about how payroll data is transforming the lending process and unlocking innovative new product concepts.   They tackle why banks should use payroll data to drive higher levels of automation and provide a better customer experience, how credit reports are inherently flawed (and why change is necessary), and how payroll connectivity helps lenders make better decisions.   Plus, Jonathan and Matt offer their predictions for what consumer lending will look like in the near future.    Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/     Follow Alex:  LinkedIn: linkedin.com/in/alexhjohnson Twitter: twitter.com/AlexH_Johnson   Follow Matt: https://www.linkedin.com/in/matthewgomes/?originalSubdomain=uk   Follow Jonathan: https://www.linkedin.com/in/jonathankatz4/   Do more for less with Argyle.   Power the digital experiences that drive performance across the customer journey with industry-leading payroll coverage. Automate income verifications, seamlessly fund bank assets, and leverage real-time work to enhance products.    Sign up today and start building your business.   Go to https://argyle.com for more information. Timestamps: 0:00 Intro 2:23 Lending 10:21 Gaps in Credit Reports 20:36 Integrating Data with Lenders 26:30 The Compliance Aspect of New Data 33:39 The Nuances of Actual Income 36:28 Consumer Verification 41:52 Where Are We Going Next?
Fintech Business Weekly publisher Jason Mikula joins Alex to discuss the latest news in fintech and banking.   In this week’s episode, they dissect Apple’s high-yield savings account, discuss how the Netherland-based neobank Bunq will do in the U.S., and name their big takeaways are from Plaid’s newly launched real-time payment capability.   And Jason brags about windmills.   Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/   Follow Jason: Substack: https://substack.com/profile/4867166-jason-mikula Twitter: https://twitter.com/mikulaja?s=20 LinkedIn: linkedin.com/in/jasonmikula   Follow Alex:  LinkedIn: linkedin.com/in/alexhjohnson Twitter: twitter.com/AlexH_Johnson
In this special, four-part series, Fintech Takes’ Alex Johnson explores payroll connectivity from a lending, mortgage, and emerging technology perspective.    In part one, Alex sits down with Argyle founder and CEO Shmulik Fishman to dissect the evolution of the modern payroll and discover how payroll connectivity companies like Argyle are pushing the boundaries of data sharing between consumers and businesses.   They also chat about the role of data privacy in payroll systems, why businesses are slowly shifting away from the reliance on Equifax for information, and the importance of the consumer experience in payroll connectivity technology.    Plus, find out why Shmulik is all in favor of deleting the pay stub.    Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/   Follow Alex:  LinkedIn: linkedin.com/in/alexhjohnson Twitter: twitter.com/AlexH_Johnson   Follow Shmulik: LinkedIn: https://www.linkedin.com/in/shmulik/ Personal Website: https://shmulikfishman.com   Do more for less with Argyle.   Power the digital experiences that drive performance across the customer journey with industry-leading payroll coverage. Automate income verifications, seamlessly fund bank assets, and leverage real-time work to enhance products.    Sign up today and start building your business.   Go to https://argyle.com for more information. Timestamps:   0:00 Intro 2:40 Payroll Data Connectivity 6:15 What is Payroll Data? 9:44 Challenges of Collecting Payroll Data 12:30 Data Privacy in Payroll 17:51 Moving Away From Equifax 20:56 The Consumer Payroll Experience 26:27 The Lending Perspective 31:32 Friction and Self Selection 34:36 Building Coverage 38:59 Conversion Rates 40:50 Read and Write Access 45:36 Regulatory Support            48:09 Looking into the Future 50:45 Future Episode Tease
Co-founder of Bloom Money, Nina Mohanty, drops by the podcast to discuss just how many unsolved problems remain in fintech and financial services.   She and Alex talk about a few of the most notable unsolved problems including credit invisibility, the inaccessibility (and unsexiness) of home ownership, and why the Western banking system is largely unequipped to support migrants and refugees.   6:10 Unsolved Problems in Fintech & Credit Invisibility 17:40 Non-Consumer-Facing Credit Methods 20:33 Social Media, Money, and Happiness 29:00 Mortgages and Fintech 40:45 Immigration and Financial Services  52:17 Outro   Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/   Follow Nina: LinkedIn: https://www.linkedin.com/in/ninamohanty/   Follow Alex:  LinkedIn: linkedin.com/in/alexhjohnson Twitter: twitter.com/AlexH_Johnson
With the benefit of some hindsight (finally), what are the big takeaways from SVB?   Kiah Haslett, managing editor of Bank Director, is in the studio to chat with Alex about why the SVB collapse is redefining how we think about “safe” banking.    They explain how a herd mentality and poor time management culminated in SVB’s failure and dissect why a safe bank could actually contain so much risk.    Plus, Kiah and Alex discuss why the stigma surrounding the Federal Reserve Window is so great and debate whether or not banks can be good at both innovation and risk management.   Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/   Follow Kiah:    LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett   Follow Alex:  LinkedIn: linkedin.com/in/alexhjohnson  Twitter: twitter.com/AlexH_Johnson  0:00 Intro 6:29 SVB Failure 15:19 What Makes a Bank Safe? 19:36 Running Out of Time 24:12 Other Banks Facing Similar Issues to SVB 29:42 BaaS, Neobanks, and FinTech 34:50 Wait— what? (Federal Discount Window) 53:37 Choosing Between Innovation and Risk Management
What fintech companies should you be keeping a close eye on? Kicking off season 3, Alex is joined once again by Simon Taylor, writer of the Fintech Brainfood newsletter, for another Not Fintech Investment Advice! Podcast. The pair are live at the Fintech Meetup conference in Las Vegas. Discover how Portabl is taking on Apple in the digital identity space, how Getmomo has entered the rental market at just the right time, and why underwriting is Parker’s secret sauce Plus, Alex and Simon’s roundup of the Fintech Meetup event. Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ Follow Alex:  LinkedIn: linkedin.com/in/alexhjohnson Twitter: twitter.com/AlexH_Johnson Follow Simon:  LinkedIn: .linkedin.com/in/sytaylor/ Twitter: https://twitter.com/sytaylor
Join Alex and co-host Jason Mikula at the Fintech Meetup conference, live from Vegas. They get into conversation with a very special guest, Jon Lear, the President and Co-founder of Fintech Meetup about issues surrounding trust in large financial institutions, the latest news on SVB, and the evolution of BaaS in Europe. Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ Follow Jon: LinkedIn: linkedin.com/in/jonlear/ Twitter: https://twitter.com/jonlear Follow Alex:  LinkedIn: linkedin.com/in/alexhjohnson Twitter: twitter.com/AlexH_Johnson Follow Jason:  LinkedIn: linkedin.com/in/jasonmikula Twitter: https://twitter.com/mikulaja
This is a special one as Alex gets into conversation with Nicole Casperson, host of podcast Humans of Fintech and founder of the Fintech is Femme newsletter. Alex and Nicole talk community building at this online event, getting into questions around fintech inclusivity, discussing whether B2C fintech is dead (or should be), and how Gen Z and missional values need to align. Plus you’ll also hear questions from the audience, including the unsexy parts of banking that fintech needs to look at next. Follow Alex: LinkedIn: .linkedin.com/in/alexhjohnson/ Twitter: https://twitter.com/AlexH_Johnson Follow Nicole: LinkedIn: linkedin.com/in/nicole-casperson-0820a5133/ Twitter: https://twitter.com/nicolecasperson Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Friday: https://workweek.com/brand/fintech-takes/ 00:00 Intro 03:36 Getting Into Real Talk 09:25 Is B2C Fintech Dead? 12:58 Habit Creation 19:09 Integrating Behavioral Finance 25:09 Paycheck-to-Paycheck Living 27:07 The DEI Transparency Report 33:26 The Generation That Cares 35:25 Aligning Mission To Work 41:53 Make Money, Solve Societal Problems
Why is fintech heading into a period of consolidation and contraction? Answering this question and more is Alex’s guest, Sarah Kocianski. Sarah is an experienced fintech strategist and research analyst, based in London with over a decade of experience in fintech. Alex and Sarah bounce around some ideas in the format of the game show, Jeopardy (which, being British, Sarah had to look up). They discuss potential increases in banking regulation, why macroeconomics are going to hurt the buy-now-pay-later space, and the types of companies interested in making acquisitions. Follow Sarah: LinkedIn: www.linkedin.com/in/sarahkocianski/ Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Friday: https://workweek.com/brand/fintech-takes/ Follow Alex:  LinkedIn: linkedin.com/in/alexhjohnson Twitter: twitter.com/AlexH_Johnson
How can you fix a broken financial model? This question and more answered in the latest Bank Nerd Corner episode. Alex is joined by Kiah Haslett, Managing Editor at Bank Director. They get into some of the headlines and news that have caught their attention over the last few weeks, including a worldwide chip shortage for bank cards, ModernFi’s fintech marketplace and why FIS can’t get Worldpay to work. They also get to nerd out trying to answer an impossible fintech question on who, exactly, public utilities are for? Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Friday: https://workweek.com/brand/fintech-takes/ Follow Alex:  LinkedIn: linkedin.com/in/alexhjohnson Twitter: twitter.com/AlexH_Johnson Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/
This is part two of a special crossover episode with fintech friends Reggie Young and Matt Janiga, hosts of the wonderful Fintech Layer Cake podcast.  In this episode, Alex, Jason, Matt, and Reggie dig into the weeds of the Durbin Amendment and its effect on competition, the harsh realities of account-to-account payments, and the changing relationship between fintechs and banks. Plus, the four play their very own version of Who’s Coming to Dinner. Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ Follow Alex:  LinkedIn: linkedin.com/in/alexhjohnson Twitter: twitter.com/AlexH_Johnson Follow Jason:  LinkedIn: linkedin.com/in/jasonmikula Twitter: https://twitter.com/mikulaja Follow Reggie: LinkedIn: linkedin.com/in/reginaldcyoung/ Twitter: https://twitter.com/ReggieCYoung Follow Matt: LinkedIn: linkedin.com/in/mwjaniga/ Twitter: https://twitter.com/regulatorynerd
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