# Jason Mikula

> Jason Mikula is a fintech analyst and the author of Banking as a Service; he publishes Fintech Business Weekly and is active on X as @mikulaja.

Source: https://www.neobank.wiki/wiki/jason-mikula
Last updated: 2026-08-11
Categories: Financial technology, Fintech journalists, People in fintech, Banking as a service

**Jason Mikula** is an American fintech analyst, advisor and author based in Amsterdam. He publishes the newsletter **Fintech Business Weekly**, hosts the Fintech Business Podcast, and is widely known on [X](/wiki/x) as **@mikulaja**—including for the bio line that he "literally wrote the book on BaaS."[^jm1] That book, *Banking as a Service: Opportunities, Challenges, and Risks of New Banking Business Models* (Kogan Page, 2024), is a standard reference on [banking as a service](/wiki/banking-as-a-service) business models and regulation.

## Career

Before independent media and advisory work, Mikula spent more than a decade building consumer finance businesses, including roles at **Enova**, **LendUp** and **Goldman Sachs** (Marcus). He later advised banks, fintechs, technology vendors, investors and regulators, and invested in early-stage companies. He also served as a U.S. Peace Corps volunteer and studied at the University of Chicago.

## Banking as a Service (book)

Mikula's 2024 book *Banking as a Service* (Kogan Page) maps BaaS origins, operating models (interchange, deposit gathering, API-first, own-licence, matchmaking and others), stakeholder economics and regulatory risk across markets. Case material covers programmes and firms such as Unit, Synapse, Railsr, Solaris, [Starling Bank](/wiki/starling-bank) and [Airwallex](/wiki/airwallex). Industry commentary often cites him as the go-to independent voice on sponsor-bank and middleware failures—including coverage of the Synapse collapse—matching his on-X self-description that he literally wrote the book on BaaS.

## Media and X

**Fintech Business Weekly** is a paid/free newsletter analysing banking, fintech and crypto without "fear or favor." The **Fintech Business Podcast** includes recurring **Fintech Recap** episodes with [Alex Johnson](/wiki/alex-johnson). On X (**@mikulaja**), Mikula posts regulatory filings, programme post-mortems and dry commentary aimed at operators and policymakers.

## Focus topics

Primary beats include [banking as a service](/wiki/banking-as-a-service), [partner banks](/wiki/partner-bank), [embedded finance](/wiki/embedded-finance), consumer lending compliance, deposit programmes and the boundary between [neobanks](/wiki/neobank) and fintech front ends.

## Infobox

- **Occupation**: Fintech analyst / author
- **Known for**: Fintech Business Weekly; BaaS book
- **X**: @mikulaja
- **Based in**: Amsterdam, Netherlands
- **Notable work**: Banking as a Service (2024)

## Frequently asked questions

### What is Jason Mikula?

Jason Mikula is a fintech analyst and the author of Banking as a Service; he publishes Fintech Business Weekly and is active on X as @mikulaja.


## References

[^jm1]: Jason Mikula publishes Fintech Business Weekly and wrote Banking as a Service (Kogan Page, 2024). — https://fintechbusinessweekly.substack.com/about