Credit scores feel like destiny, but they’re built on a thin record of borrowing and repayment while ignoring income, cash on hand, and real assets. That blind spot blocks credit for immigrants, younger consumers, gig workers, and anyone whose financial life doesn’t fit the classic bureau file. In this episode, Nik sits down with Andrew Endicott, co-founder of Pedal and now co-founder and GP at Gilgamesh Ventures, to talk about how cash flow underwriting and open banking data change the game, and what it takes to build fintech that lasts.Andrew walks through his path from law and investment banking into founding a credit card company, including the post-financial crisis reality where regulation and risk constraints pushed banks to pull back. We unpack why fintech emerged to fill those gaps, what founders often underestimate about finance, and why areas like fraud, compliance, and risk management aren’t “later” problems. We also get into Andrew’s upcoming book, Finance Technology: Insights for Building an Enduring Fintech Company, and the framework he uses to map the ecosystem into four buckets: banking, payments, insurance, and infrastructure. Learn more about the book: https://www.amazon.com/Finance-Technology-Insights-Building-Enduring/dp/1954892225Subscribe for more founder-grade fintech conversations.Connect with the Hosts & GuestNik Milanović: https://www.linkedin.com/in/nikmAndrew Endicott: https://www.linkedin.com/in/andrewendicottAbout This Week in FintechThis Week in Fintech’s Podcast is where the decision makers shaping the future of finance come to talk candidly about what’s working, what’s breaking, and what’s coming next in fintech. Hosted by Nik Milanović, founder of This Week in Fintech and General Partner at The Fintech Fund, the show goes beyond headlines to unpack the real stories behind product decisions, regulation, and market shifts with leading founders, C-suite execs, and ecosystem veterans. This is your front-row seat to the people and ideas moving money into the future.

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