Fintech’s Seasons: From Boom to Winter to AI-Driven Spring — a16z Podcast
Update: 2025-12-19
Description
Fintech has cycled from late-spring growth to a brutal winter and now a cautious, AI-fueled spring. (Original 45 min → Condensed 3 min.) In this short version of the a16z Podcast, hosts and guests David Haber and Zach Perret map the industry’s timeline, explain why 25% of venture dollars flowed into fintech and then nearly vanished, and unpack the macro, product, and regulatory drivers behind that swing. You’ll learn how winners moved from point products to full financial stacks, why banks and software sales matter more than ever, and how AI reshapes credit models, fraud detection, and embedded finance. Hear concrete examples like Plaid’s Lens Score and Protect anti-fraud suite, plus warnings about AI-enabled scams. Perfect for listeners interested in fintech, startups, venture capital, technology, and business economics. Listen now to get the key ideas in minutes.
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