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- #31 - John Mitchell, CEO & Co-Founder at Episode Six
#31 - John Mitchell, CEO & Co-Founder at Episode Six

Join us on this week's episode of the Slice of Finance podcast, hosted by Jared S. Taylor!
Our Guest: John Mitchell, CEO & Co-Founder at Episode Six.
What you’ll get out of this episode:
Speed to Market & Fintech Growth – How smaller fintechs gain a competitive edge over traditional banks.
Embedded Card Issuance – The rise of API-driven payment solutions in non-financial industries.
Modernization in Banking – Why financial institutions are shifting toward progressive modernization.
X & the Future of Payments – How digital giants like X (formerly Twitter) could reshape financial services.
Entrepreneurial Advice – John’s key insights for fintech founders navigating funding and growth challenges.
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Pioneering Payment Innovation with Episode Six
John Mitchell, CEO & Co-Founder of Episode Six, has been at the forefront of the payments industry for over two decades. In this episode, he shares how his company is revolutionizing payment processing and enabling global financial institutions to modernize their offerings.
The Power of Speed to Market in Fintech
One of the key advantages fintechs hold over traditional banks is their ability to rapidly introduce new products. Large financial institutions often struggle with regulatory hurdles and legacy systems, while fintech startups leverage agility to innovate and capture market share.
Embedded Card Issuance: The New Financial Frontier
With the rise of embedded finance, companies across various industries—beyond traditional financial services—are integrating payment solutions directly into their platforms. John explains how open banking regulations and API-driven technologies are fueling this shift, drawing parallels with super-apps like WePay and Alipay.
The Modernization of Financial Institutions
Many banks face the challenge of upgrading legacy systems without undergoing costly, years-long transitions. Episode Six helps financial institutions adopt a "progressive modernization" approach—maintaining core banking functions while layering on digital solutions to compete with fintech challengers.
The Rise of X in Financial Services
John discusses the potential impact of Elon Musk’s X (formerly Twitter) entering the payments space. With its massive user base, X could successfully embed financial services, following the model of successful digital wallets like PayMe in Hong Kong.
Lessons for Fintech Entrepreneurs
For aspiring fintech founders, John emphasizes the importance of securing funding without losing control of their company. He also highlights the value of perseverance, problem-solving, and strategic judgment when building a successful venture.
Final Thoughts
From working with global banks to breaking into complex markets like Japan, Episode Six continues to drive innovation in payments. As fintech evolves, the intersection of technology, regulation, and consumer demand will shape the future of financial services.