"2018 2019 in fintech was late spring. You get into 2020 and COVID and that was utter insanity of a of a story. >> Like 25% of all venture dollars in that period went into fintech which is >> Wow. 25%...."

"to just before 2020. And I'm curious if we could just sort of um check in or reflect back as to, you know, since the last time we spoke to to to now, what have been some of the major themes in in in f..."

"um kind of like the end of 2021 and even into early 2022. And yes, a lot of new companies formed, but um every investor, whether venture or public markets or whatever it was, wanted to push money into..."

"certainly a lot of lending volume in the space grew massively in those periods um you know the one benefit that I think has shown up more recently in fintech you know in the in the thaw period is that..."

"in our town. Um, and if you didn't happen to be a member of that bank, you you couldn't get a loan easily. Um, now if you live in that same town, you just go online and you apply for a mortgage and yo..."

"the kind of things that a consumer would want to do 5 years ago are similar to the kinds of things that they might want to do today but the form factor in which they can do it uh is very different. So..."

"you know from my vantage point like you won the hearts and minds of the developer community. You built this sort of foundational infrastructure that really catalyzed like you know I I can't take credi..."

"fintech companies that lead with software that, you know, ideally have the potential for a network effect and are selling into these financial, you know, larger financial institutions and solving, you..."

"you know each region is going to have their their their new banks so to speak or is it um you know by sort of sort of form factor or value prop to to the how do we think about the the universe? How do..."

"predictions for 2026. Maybe share one we we haven't uh gotten to yet around where things are going where you're particularly excited. >> I was at a dinner a couple weeks ago and so this might not be a..."

"Like they're thinking more responsibly about markets in the long term. like they're more thinking about uh you know profitability and growth and um you're also seeing like the insanity of of of AI fun..."

"credit score that's based on your income, your expenses, the things that you do in your daily life. So your score goes up if you have a higher income. Uh your score goes down if you start having way h..."