The Fintech Takes podcast kicks off 2026 with a recap of 2025's major themes in fintech and banking, featuring Jason Mikula of Fintech Business Weekly. The conversation highlights a radically different regulatory landscape, marked by centralized control at the Treasury Department and a weakened CFPB. Stablecoins emerged as a breakout use case for crypto, contrasted by open banking's regulatory uncertainty and potential market control by powerful incumbents. Prediction markets' boom, fueled by regulatory arbitrage, raises concerns about gambling's impact on financial nihilism. Despite a potential financial crisis, the IPO window has opened, with companies like Klarna and Chime going public. The hosts predict a stablecoin failure and a shift in banking-as-a-service towards stablecoin infrastructure.
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