https://termsconditions.fm A podcast and publication exploring the financial infrastructure, technologies, institutions, and policies that shape economic life. en-US hello@termsconditions.fm (Chastity Murphy) hello@termsconditions.fm Sun, 14 Jun 2026 04:30:20 GMT Chastity Murphy A podcast and publication exploring the financial infrastructure, technologies, institutions, and policies that shape economic life. Chastity Murphy hello@termsconditions.fm false https://termsconditions.fm/episodes/who-owns-the-payment-rails https://termsconditions.fm/episodes/who-owns-the-payment-rails Every digital transaction travels across infrastructure owned by a handful of companies. We trace the history of payment networks, the concentration of power, and what a public alternative might look like. Thu, 28 May 2026 00:00:00 GMT Who Owns the Payment Rails? Every digital transaction travels across infrastructure owned by a handful of companies. We trace the history of payment networks, the concentration of power, and what a public alternative might look like. Chastity Murphy 58 min false https://termsconditions.fm/episodes/the-unbanked-and-underbanked https://termsconditions.fm/episodes/the-unbanked-and-underbanked An estimated 5.9 million U.S. households have no bank account. We examine why, who bears the cost, and what policy can do. Tue, 14 Apr 2026 00:00:00 GMT The Unbanked and the Underbanked An estimated 5.9 million U.S. households have no bank account. We examine why, who bears the cost, and what policy can do. Chastity Murphy 52 min false https://termsconditions.fm/episodes/your-credit-score-a-short-history https://termsconditions.fm/episodes/your-credit-score-a-short-history Credit scoring was designed to remove human bias from lending decisions. Instead, it encoded structural inequality into an algorithm. We trace the history. Tue, 03 Mar 2026 00:00:00 GMT Your Credit Score: A Short History Credit scoring was designed to remove human bias from lending decisions. Instead, it encoded structural inequality into an algorithm. We trace the history. Chastity Murphy 61 min false