# Fintech Recap: Is AI the Unlock PFM Has Been Waiting For?

Page: https://stenobird.com/podcast/fintech-business-podcast-6417761/fintech-recap-is-ai-the-unlock-pfm-has-been-waiting-for
Text version: https://stenobird.com/podcast/fintech-business-podcast-6417761/fintech-recap-is-ai-the-unlock-pfm-has-been-waiting-for.md
Podcast: [Fintech Business Podcast](https://stenobird.com/podcast/fintech-business-podcast-6417761)
Published: 2026-05-06T12:59:00+00:00
Episode link: https://fintechbusinessweekly.substack.com/p/fintech-recap-is-ai-the-unlock-pfm
Audio file: https://api.substack.com/feed/podcast/196645662/7fea9dc3ba9d7648ab464f30a73a51df.mp3
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JSON: https://stenobird.com/v1/public/podcasts/fintech-business-podcast-6417761/episodes/fintech-recap-is-ai-the-unlock-pfm-has-been-waiting-for
Duration seconds: 4329

## Resource

In this episode, Alex and I had the chance to discuss: * If there’s one idea fintech founders can’t quit, it’s solving personal financial management. There’s a new wave of AI-powered tools. But can they solve some of the fundamental challenges that have prevented a breakout company from emerging in the category? * Bolt, the one-click checkout turned financial “super app,” is in headlines, again, with further layoffs and as it struggles to pay its vendors. Why Americans don’t really want a “super app.” * Congress actually tries to legislate: the bipartisan PACE Act could offer a pathway for non-banks to have direct access to payment rails. But, even if it were to become law (a big if), as a layer on top of existing requirements and at a time when getting a bank charter seems easier than ever, is the PACE Act fit for purpose? Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe

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## Transcript

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