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Fintech Takes

Alex Johnson's operator-eyed deep dives on fintech and banking.

Substack Fintech Biweekly Updated Oct 2026

About

Alex Johnson spent years working inside fintech and banking-as-a-service companies before turning Fintech Takes into one of the more widely read deep-dive newsletters on the industry. Each issue tends to pick apart one trend or deal in detail, a bank partnership blowing up, a new embedded-finance product, how regulators are responding to fintech-bank tie-ups, rather than skimming headlines.

Johnson writes with real operator experience, which shows in how specifically he can explain why a particular business model works or doesn't. People building or investing in fintech products get more out of it than casual readers, since it assumes some baseline familiarity with banking infrastructure.

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