Fintech Layer Cake
Fintech Layer Cake is a podcast that explores financial technology topics in an accessible, easy-to-understand way. It aims to break down complex fintech concepts into simple, digestible pieces for a general audience. The show is powered by Lithic, a company that provides fast and flexible card program launching services.
Episodes
Webinar: How Fundbox Launched a Loan-to-Card Program in 7 Weeks
For most of the history of lending, approval and access were two separate events. A borrower gets approved, then waits days or weeks for an ACH to clear before the money is usable. For small businesses managing tight cash flow, that gap can be the difference between catching an opportunity and missing it. Cards are changing that. When a lender issues a virtual card at the moment of approval, credi
How a $7B Bank Out-Loaned Chase, and What Fintech Policy Needs Now, with AFC’s Phil Goldfeder
Phil Goldfeder runs the American Fintech Council, the trade group representing nearly 170 fintech and banking companies. Before that he advised Chuck Schumer and Michael Bloomberg, served in elected office, and helped steer Cross River through the Paycheck Protection Program, where a bank with six or seven billion dollars in assets made as many loans as Chase and Bank of America.In this episode, R
Nobody Loves SWIFT: Payments Inertia and Invisible Crypto Rails with Davi Strazza from Lightspark
Davi Strazza spent a decade at Adyen as the company scaled from around $30 billion to over $1.3 trillion in annual payment volume, running Latin America and then North America as president. Today he is Chief Business Officer at Lightspark, the company powering over 15% of Coinbase's Bitcoin transfers.In this episode, Reggie Young talks with Davi about what actually moves enterprise payments d
A Former Prosecutor on How Fintechs Become Targets, with Laurel Loomis Rimon from Jenner & Block
Laurel Loomis Rimon has spent her career on the enforcement side of fintech. As a federal prosecutor she brought the first case against a digital currency company in the US, years before Bitcoin existed. She later served as an assistant deputy enforcement director at the CFPB, and today she co-chairs the fintech and crypto assets practice at Jenner & Block and founded the firm's payments
Payments at Square, Etsy, and the Agentic Era, with Drew Edmond, Partner at Glenbrook Partners
Drew Edmond has spent 15 years inside payment operations, first at Square from its scrappy hardware days through IPO, then at Etsy running payments across a marketplace with sellers in 230+ countries. Today he advises merchants at Glenbrook Partners and hosts the Payments on Fire podcast.In this episode, Reggie Young sits down with Drew to trace how payments actually work from the operator's
From Fannie Mae's first PM to Pathward Innovation with Suhas Reddy
What if millions of Americans had already proven they could handle a mortgage payment — and the system simply refused to count it?Reggie sits down with Suhas Reddy, Head of Product at Pathward Bank, to unpack what it really means to build product inside the most regulated corners of financial services. Suhas was among the early product leaders at Fannie Mae, driving the Lighthouse Project that lat
Escheatment Primer + Innovation with Eisen CEO Allen Osgood
What if every dormant account in your fintech is a ticking compliance clock — and you didn't know the timer started three years ago?Host Reggie Young sits down with Allen Osgood, CEO and co-founder of Eisen, the company modernising escheatment — the process by which dormant accounts and abandoned funds get transferred to state governments. It's an obscure corner of financial compliance t
Why Credit Cards Are Hard with Scott Bass from Ensemblex
What if the decision that kills your lending business is one you made six months ago — and you just don’t know it yet?Host Reggie Young sits down with Scott Bass, Managing Director at Ensemblex, the fintech lending and credit consultancy. Scott brings a rare combination of perspectives: he helped build Capital One’s data-driven credit operation before it was a household name and was one of the fir
The Future of Payments is Agentic and Tokenized, with Basis Theory CEO Colin Luce and CTO James Armstead
The payments industry spent years turning tokenization into a business tool for lock-in. So what does it mean that the same technology might now hold the key to making agentic payments actually work?Reggie Young sits down with Basis Theory’s Co-founder and CEO, Colin Luce, and CTO, James Armstead — the team behind the programmable token vault platform that has quietly become central to the agentic
Building the Modern Tax Engine with Gavin Nachbar, Column Tax co-founder and Aiwyn CPO
If AI is about to transform tax filing, why do 55% of Americans still trust a human to do it for them?In this episode, host Reggie Young sits down with Gavin Nachbar, founder of Column Tax and Chief Product Officer at Aiwyn, to unpack what it really takes to build in one of fintech’s most complex and overlooked spaces: tax filing.Gavin shares how Column Tax built the first modern embedded tax engi
Simon Taylor on Where Agentic Spend is Going
Will stablecoins replace cards — or is that narrative missing how payments actually work?In this episode, Reggie Young sits down with Simon Taylor, founder of Fintech Brainfood and Head of Market Development at Tempo, to unpack one of the most debated topics in fintech: agentic commerce. Simon challenges the idea that stablecoins will displace card networks, explaining why cards don’t move money,
A Primer on US Fintech Expansion with Klaros' Andy Kampf
What actually breaks when a fintech expands to the U.S. — product, licensing, hiring, or assumptions?In this episode, host Reggie Young sits down with Andy Kampf, Partner at Klaros Group and former Klarna US legal lead, to unpack the real framework behind cross-border fintech expansion. Andy breaks down the four pillars every foreign fintech must get right — product, bank partnerships, hiring, and
Middesk CEO Kyle Mack on AI, Good Data, and Business Onboarding in 2026
What happens when you try to build AI-driven fintech products on top of messy, incomplete, or unreliable data?In this episode of Fintech Layer Cake, host Reggie Young sits down with Kyle Mack, CEO of Middesk, to unpack why data—not AI—is the real bottleneck holding fintech innovation back. Kyle explains how KYB has evolved far beyond a compliance checkbox, why poor data foundations can amplify ris
Reducing Oversight Costs for Fintechs and Banks with Narrative CEO Gokul Dhingra
In this episode of FinTech Layer Cake, Reggie Young sits down with Gokul Dhingra, Co-Founder and CEO of Narrative, to unpack how AI is reshaping compliance, oversight, and growth in the fintech ecosystem. Narrative is tackling one of the industry’s biggest pain points—the rising cost of compliance and risk management—by turning oversight into a source of efficiency and even competitive advantage.G
2025 Cards Year in Review with Matthew Goldman
Why are crypto credit cards exploding — and what does the Coinbase x Amex partnership signal about where the card ecosystem is heading next?In this episode, host Reggie Young sits down with Matthew Goldman, founder of Totavi and one of the most respected card experts in fintech, for their annual “State of the Cards Union.” Matthew breaks down why 2025 became a breakout year for crypto-linked cards
Sarah Wilson, Circle's General Counsel, on the IPO Process, GENIUS Act, and More
In this episode of Fintech Layer Cake, host Reggie Young sits down with Sarah Wilson, General Counsel at Circle, to explore how Circle is shaping the global legal and regulatory frontier for stablecoins and digital assets. She shares her path from big law to fintech, why stablecoins represent the perfect intersection of finance, technology, and regulation, and how Circle manages compliance across
AI Adoption Survey and Fintech Trends with Jas Randhawa
In this episode of FinTech Layer Cake, host Reggie Young welcomes back Jas Randhawa, Founder and Managing Partner at Strategy Brix, for a candid look at how fintechs are really using AI in compliance. Drawing insights from a new survey of nearly 100 fintech companies, Jas shares what’s hype versus reality, why most teams are still in the ‘talking’ phase, and where budgets and talent investments ar
MTLs and Money Transmission Primer with Evan Minsberg
In this episode of FinTech Layer Cake, host Reggie Young speaks with Evan Minsberg, Partner at Morrison Foerster, about the nuanced world of money transmission licenses (MTLs). Evan explains what MTLs are, why fintechs need them, and the trade-offs between pursuing a license, partnering with a bank, or using alternative models. He also unpacks the hidden costs, both in dollars and time, behind get
Imprint CTO Will Larson on Fintech Engineering Strategy
What does it take to run engineering at the heart of modern fintech? In this episode of Fintech Layer Cake, Imprint CTO Will Larson unpacks lessons from leading engineering teams at Stripe, Carta, Calm, Uber, and more. Will shares how fintech engineering differs from SaaS, the tradeoffs executives face when joining new companies, and why the art of leadership lies in balancing seemingly incompatib
Fixing SMB Cash Flow with Ariel Blum, Founder of Receive
In this episode of FinTech Layer Cake, Reggie Young sits down with Ariel Blum, Founder of Receive, to unpack the challenges of small business cash flow and why “earned revenue access” could transform how SMBs operate. Ariel shares his journey from watching his parents struggle with delayed payments, to working at Amex, Green Dot, and Melio, to ultimately founding Receive. They explore the future o
The Future of Agentic Financial Crime Work with Greenlite Cofounder Will Lawrence
In this episode of Fintech Layer Cake, host Reggie Young sits down with Will Lawrence, Co-Founder and CEO of Greenlite AI, to explore how AI is transforming background checks and employment verification.Will shares how his team is building a platform that makes identity verification faster, smarter, and more reliable, from parsing unstructured data to detecting fraud in real time. Along the way, t
Bank Data Crash Course with Lee Easton of iDENTIFY
In this episode of Fintech Layer Cake, host Reggie Young sits down with Lee Easton, founder and president of iDENTIFY, to unpack one of fintech’s least understood layers: bank transaction data. Lee breaks down why raw bank data is so unreliable out of the box, and what it actually takes to clean, enrich, and classify it so that it's usable for real-time fraud detection, underwriting, and cust
Taktile Cofounder Max Eber on LLMs and Risk Infrastructure
In this episode of Fintech Layer Cake, Reggie Young sits down with Max Eber, Co-Founder of Taktile, to explore how modern fintechs are rethinking risk infrastructure. Max shares insights from building a flexible decision engine used by leading lenders and fintechs around the world. They dive into what it really takes to customize underwriting, how Taktile is approaching AI and LLMs in production,
Taktile’s Journey with CEO Maik Wehmeyer
In this episode of Fintech Layer Cake, host Reggie Young speaks with Maik Wehmeyer, co-founder and CEO of Taktile, an AI-powered risk decisioning platform redefining how fintechs, banks, and even telcos approach mission-critical decisions.Maik shares the multi-year journey from MLOps tooling to a hyper-flexible decisioning platform, and how Taktile now powers over 150 institutions. They discuss th
Vertical SaaS & Fintech Opportunities, Founder Lessons, and More with Matt Brown
In this episode of Fintech Layer Cake, host Reggie Young speaks with Matt Brown, early-stage investor at Matrix Partners and former product leader at Afterpay.Matt dives into the evolving landscape of vertical SaaS, why embedded fintech still has massive untapped potential, and how PE and VC are converging to create new opportunities. He also shares lessons from founding Bonsai, including counteri
New Fintech Bank Charter Opportunities with Michele Alt from Klaros Group
In this episode of FinTech Layer Cake, host Reggie Young speaks with Michele Alt, Co-Founder of Klaros Group, about new opportunities in fintech bank charters.They unpack the recent SmartBiz approval, what it signals for the industry, and the realities of the charter process—from regulatory hurdles to risk management. Michele also shares why now might be the best time in years to act—and why ILC c
Simon Taylor on Agentic Payments and Opportunities
In this episode of FinTech Layer Cake, host Reggie Young welcomes back Simon Taylor—fintech thought leader, writer of Fintech Brainfood, and Head of Strategy & Content at Sardine.They explore the rapidly emerging world of agentic payments and what Visa’s new tokenization framework means for AI-driven commerce. Simon also unpacks real-world use cases, from “vibe shopping” to automated business
Card Processor 101 with Braulio Lam from EQ Bank
In this episode of FinTech Layer Cake, Reggie and Ali are joined by Braulio Lam, Senior Director of Engineering at EQ Bank, to unpack the essential ingredients of selecting and integrating a card processor. With experience across multiple processors and fintech startups, Braulio breaks down what to look for in API documentation, how to assess a processor’s operational and customer support readines
Lessons from Loop, Canada’s #1 Business Banking Platform with Cato Pastoll and Nik Nampalli
In this episode of FinTech Layer Cake, host Reggie Young speaks with Cato Pastoll (Co-founder & CEO) and Nik Nampalli (Head of Strategic Projects) of Loop—Canada’s #1 business banking platform. Loop offers multi-currency credit cards, global payment tools, and financial services that save SMBs thousands each year.Cato and Nik break down how Loop evolved into a fintech solution for Canadian bus
LoanPro’s Scott Johnson on launching credit cards, lessons from Galileo, and more
In this episode of Fintech Layer Cake, host Reggie Young sits down with Scott Johnson, President of the Card Division at LoanPro. Scott shares his deep expertise from over two decades in fintech, including his time at Galileo and his current work at LoanPro, where they are pioneering transactional-level credit. Together, they discuss the core pillars of launching a credit card, common mistakes fin
FTA's Penny Lee on Federal Fintech Developments and Open Banking
In this episode of Fintech Layer Cake, host Reggie Young chats with Penny Lee, President and CEO of the Financial Technology Association (FTA). Penny shares insights on key federal fintech policy developments, the implications of open banking, and how fintech companies can navigate the evolving regulatory landscape. They discuss recent court filings related to CFPB’s final open banking rule, regul
Lead's Journey and Tips for Fintech with co-founder Erica Khalili
Fintech Layer Cake officially kicks off its third season as Reggie Young and Alli Nilsen dive into an insightful conversation with Erica Khalili, Chief Legal Risk Officer and Co-founder of Lead. Erica shares the transformative journey of Lead, from its legacy as a century-old institution to becoming a cutting-edge fintech sponsor bank. She discusses the critical pillars of success—technical excell
FS Vector on Election Fintech Implications with Ashwin Vasan and Peter Freeman
In this episode of Fintech Layer Cake, Reggie Young sits down with Ashwin Vasan and Peter Freeman, partners at FS Vector, to discuss the evolving regulatory landscape and its implications for fintech and banking innovation. From personnel changes in Washington to the future of digital assets and data privacy, Ashwin and Peter provide actionable insights on what’s shaping the fintech industry in th
State of the Card Union: 2024 Trends, AI, and Secured Cards with Matthew Goldman
In this episode of Fintech Layer Cake, Reggie Young is joined by Matthew Goldman, founder of Totavi, to dive into the latest card trends of 2024 and look ahead at what's in store for 2025. As the first return guest, Matthew shares his insights on the evolving fintech landscape, including the rise of secured cards, the impact of AI in payments, the potential of stablecoins, and predictions for
Canadian Fintech Primer with Tal Schwartz
In this episode of Fintech Layer Cake, Reggie Young speaks with Tal Schwartz, founder of the Canadian Fintech Newsletter and Exit North Ventures. Together, they explore the Canadian fintech ecosystem, comparing it with the U.S., discussing unique market dynamics, and highlighting opportunities in embedded finance and regulatory innovation. Tal also shares insights on building a Fintech fund and wh
Money 20/20
In this episode, Reggie Young unpacks the latest insights from Money 20/20 in Las Vegas. From the rise of AI in compliance and cross-border payments to the evolving challenges in sponsor banking, Reggie dives into key trends shaping fintech. Tune in to hear his reflections and predictions on the future of financial technology and how companies are adapting in a tough regulatory landscape.
Crash Course in Sponsor Bank MSAs with Andrew Grant
In this episode of Fintech Layer Cake, Reggie Young presents a crash course on Sponsor Bank MSAs (Master Services Agreements) with Andrew Grant, co-founder of The Runway Group. They unpack the complexities of these critical agreements, discuss the latest trends in regulatory expectations, and highlight key strategies for founders and operators to navigate sponsor-bank relationships effectively.
Discover and Google Lessons, and Recent Compliance Trends with Zarik Khan
In this episode of Fintech Layer Cake, host Reggie Young speaks with Zarik Khan, Head of Compliance Testing at Flex, about the critical role of compliance in fintech companies and how it impacts long-term sustainability and growth.Zarik shares his unique insights gained from his extensive career at major organizations like Discover and Google, and now a compliance leader at Flex. They delve into e
Navigating Net Interest Margins and Fintech Partnerships with Saira Rahman
In this episode of Fintech Layer Cake, host Reggie Young talks with Saira Rahman, VP of New Investor Initiatives at Fundrise, about the intricate world of net interest margins, the importance of strategic bank partnerships, and the evolving landscape of fintech. Saira shares her unique insights from her experiences at both traditional banks and fintech startups, offering practical advice for navig
The Ghost of Fintech Future: Fraud, UK Fintech Lessons, and Sardine Insights with Simon Taylor of Sardine
In this episode of Fintech Layer Cake, host Reggie Young sits down with Simon Taylor, Head of Strategy and Content at Sardine, renowned author of the Fintech Brainfood newsletter, and host of the Fintech Brainfood podcast. Dubbed the "Ghost of Fintech Future," Simon shares his insights on the evolving landscape of fintech, lessons learned from the UK's fintech scene, and the growing
Climate Fintech with Atmos co-founder Ravi Mikkelsen
In this episode of Fintech Layer Cake, host Reggie Young is joined by Ravi Mikkelsen, co-founder and CEO of Atmos. Ravi shares his journey from engineering in the climate and clean energy sector to founding Atmos, a company that blends climate tech with fintech to create sustainable banking solutions. Delve into Atmos' unique dual-product strategy, which empowers consumers and banks alike to
Legal Ops and RegTech Lessons with Faraz Rana, former CLO of Bread
In this episode of FinTech Layer Cake, host Reggie Young chats with Faraz Rana, founder and CEO of Affinity. Faraz shares his journey from being an M&A lawyer to becoming the Chief Legal Officer at Bread and eventually founding Affinity. He discusses the challenges of transitioning from big law to a startup environment, the nuances of the BNPL (Buy Now Pay Later) space, and the importance of c
Lithic’s 10-Year Anniversary Episode: Insights from the Co-Founders
In this special 10th-anniversary episode of Fintech Layer Cake, host Reggie Young is joined by Lithic's co-founders Bo Jiang, Jason Kruse, and David Nichols. Celebrate a decade of fintech innovation as they dive into the transformative journey from their early days at Privacy.com to becoming a leading name in payments infrastructure. The founders share behind-the-scenes challenges, pivotal de
Contrarian Takes on Visa Flex, Fintech VC, and more with Lithic's Nikil Konduru
Dive into a world of contrarian insights on "Fintech Layer Cake" as host Reggie Young engages with Nikil Konduru of Lithic. This episode unpacks Nikil’s unconventional perspectives on critical fintech topics like Visa Flex, fintech venture capital, and why payments shouldn't be free. Nikil, known for his deep understanding and sharp critiques, discusses the hidden costs of payment e
Building Strong Fintech Partnerships with Nick Rasines of Column
In this episode of Fintech Layer Cake, host Reggie Young, joined by co-host Alli Nilsen, sits down with Nick Rasines from Column to explore the intricacies of building and maintaining successful partnerships in the fintech industry. Nick shares his expertise on the fundamentals of partnerships, the importance of trust, and the unique challenges and opportunities within the fintech space. From regu
Earned Wage Access and Fintech Policy Primer with Ben LaRocco of EarnIn
In this episode of Fintech Layer Cake, Reggie Young dives deep into the intricacies of earned wage access (EWA) and its regulatory landscape with Ben LaRocco from EarnIn. They explore what a policy function within a fintech company entails, the role of government relations in shaping how products are perceived and regulated, and the current state and future of earned wage access in the fintech se
Bank Earnings Takeaways with American Banker Reporter Polo Rocha
This episode of Fintech Layer Cake features host Reggie Young in conversation with Polo Rocha, a reporter at American Banker. They dive into the current bank earnings season, discussing the financial health of regional banks post-Silicon Valley Bank collapse, key metrics in bank earnings, and overarching trends in the banking industry. Polo offers expert insights into how public bank disclosures r
Fleet Card Masterclass with Coast Founder Daniel Simon
In this episode of Fintech Layer Cake, Reggie Young interviews Daniel Simon, Founder of Coast, a modern financial services platform revolutionizing the fleet card industry.They delve into the complexities of fleet payments and discuss Coast's innovative approach, combining modern technology and customer-centric products to disrupt the traditional fleet card market. Key topics include the tech
Compliance 3.0, the Future of Bank Sponsorship, and Lessons from Monzo with Cable CEO Natasha Vernier
In this episode of Fintech Layer Cake, host Reggie Young is joined by Natasha Vernier, CEO and co-founder of Cable, to discuss the future of compliance in the fintech industry, known as "Compliance 3.0." Natasha shares valuable lessons from her time leading the financial crimes team at Monzo during its hypergrowth phase and provides her perspective on the evolving landscape of bank-finte
The Future of Ecommerce Payments with Tandym CTO Sairam Rangachari
In this episode of Fintech Layer Cake, host Reggie Young dives deep into the world of payments and e-commerce with Sairam Rangachari, the co-founder and CTO of Tandym. They discuss the cyclical trends in banking, the evolution of online payments, and how Tandym is helping e-commerce companies offer branded cards to enhance customer experience and reduce processing fees. Sai shares insights from hi
The Bank Sponsor Crackdown, and Lessons from Stripe and Airwallex with Jas Randhawa
In this episode, host Reggie Young converses with Jas Randhawa, founder of StrategyBRIX, a fintech risk and compliance consultancy. They delve into Jas' experiences at Stripe and Airwallex, the intricacies of fintech risk and compliance, and how fintechs can safeguard themselves against regulatory scrutiny. The discussion also covers the evolving landscape of fintech-bank partnerships and the
The Bank Sponsor’s POV with Coastal’s Chris Rigoni
In this episode of Fintech Layer Cake, host Reggie Young engages with Chris Rigoni from Coastal Community Bank, exploring the evolving landscape of Banking-as-a-Service (BaaS) and embedded finance. Chris, with his extensive experience in various financial institutions, delves into the complexities and future potential of fintech partnerships, discussing how these collaborations shape customer expe
Cards, Real Time Payments, and Credit Trends with Matthew Goldman
Reggie Young sits down with fintech expert Matthew Goldman in a deep dive into the world of card payments, real-time payment systems, and the latest trends in credit cards. With his extensive background in the card space and as the leader of Totavi, a boutique fintech consulting firm, Matthew shares his invaluable insights on the evolution of card products, the impact of regulatory changes, and th
Public’s COO Stephen Sikes Talks Rising Rate Effects and New Products
Reggie Young sits down with Stephen Sikes, COO of Public, as they explore the fintech landscape's evolving dynamics. They discuss the significant effects of rising interest rates on retail investor behavior and delve into Public's innovative product strategy, including the launch of a mobile-first retail bond trading platform. Stephen shares thought-provoking perspectives on regulatory c
Breaking Down the Open Banking Rules with Matt Janiga
Join host Reggie Young in this episode as he explores open banking insights with Matt Janiga, former Fintech Layer Cake co-host, regulatory expert, and current Legal Counsel at Trustly. Dive into the world of open banking and explore the regulatory landscape, dissecting the Consumer Financial Protection Bureau's (CFPB) proposed rules. Discover the potential impact on competition, data access,
Alloy’s State of Compliance Report with CEO Tommy Nicholas
Join us in this episode of Fintech Layer Cake as Reggie Young delves deep into the world of fintech and compliance automation with Tommy Nicholas, the CEO of Alloy.Explore the ever-evolving landscape of fraud trends, the hurdles of selling to banks and mature fintechs, and the future prospects of community banks in the US. Gain valuable insights into establishing trust through compliance, navigati
Unraveling the Complex World of Buy Now Pay Later with Paul Kesserwani
In this episode of Fintech Layer Cake, Paul Kesserwani (Cushion Founder & CEO) sits down with Reggie Young as they dive deep into the intricate dynamics of the Buy Now, Pay Later (BNPL) industry. They explore its evolution, regulatory frameworks, consumer behavior, and the pivotal role of companies like Cushion in simplifying bill payments and credit building amidst the complexities of BNPL.
Building M1, Growing Consumer Wealth, and Buying a Bank with Brian Barnes
Reggie Young & Nikil Konduru sit down with Brian Barnes, Founder & CEO at M1, to take a closer look at the fintech landscape.From buying a bank, creating a rewards card, and encouraging customer investment, their insights aim to help both consumers and investors in their fintech journey.
Payroll Payments with Gusto's Jeff Forkan
In this episode, Reggie Young and Jeff Forkan of Gusto dive deep into payroll payments.They share their thoughts about the process, working with sponsor banks, challenges in dealing with taxes, and enhancing cross-border payroll payments and transfers - all while benefiting both companies and employees.
Digital Wallet Innovation and Adyen Lessons with Sophia Goldberg
Reggie Young interviews Sophia Goldberg, the CEO and co-founder of Ansa. Sophia shares her expertise and insights on digital wallets, the future of payment systems, overlooked aspects of the payment process, and how companies could potentially challenge card networks with innovative payment systems.
AI and Chatbots in Fintech featuring Ron Shevlin and Alan Kaplinsky
This Special Episode is a cross-post from the Consumer Finance Monitor Podcast. Reggie Young, Ron Shevlin, and Alan Kaplinsky share their insights on the risks and benefits of AI and chatbots, as well as how fintechs should think about practically implementing them.
Modern Fraud and Compliance Needs with Soups Ranjan
Reggie Young interviews Soups Ranjan, CEO of Sardine. They discuss modern fraud detection tools, emerging fraud patterns, consortiums, and lessons from Soups' time leading risk at Revolut and Coinbase.
Exploring Debt Collection Innovation with Ohad Samet
Reggie Young, with Eduardo Lopez, interview TrueML Co-founder and CEO, Ohad Samet, about debt collection: the problems, the innovations, and the future of the field.
The “New” Bank-Fintech Risk Guidance with Jonah Crane
Reggie Young sits down with Jonah Crane, Partner at fintech advisory and investment firm Klaros Groups. They discuss an incredibly important piece of regulatory guidance that has recently been released, outlining how banks should work with third parties like fintechs and what that means for those in the fintech space.
Exploring Spend Management with Thejo Kote
Reggie Young interviews Thejo Kote, founder and CEO of Airbase. They talk about the current state of spend management (aka expense management), and Thejo’s predictions for the field for the next few years.
Exploring FDIC and Bank Failures
Reggie Young and Alexandra Barrage dive deep into the FDIC’s significance in the financial space of both banks and fintech. They talk about the FDIC’s functions, compositions, and scope of authority, while analyzing how the collapse of Silicon Valley Bank, Signature Bank and First Republic Bank affects fintechs and their relationship with the FDIC.
Inside Plaid and Open Finance with CEO Zach Perret
Reggie Young and Matt Janiga interview Zach Perret, co-founder and CEO of Plaid. They talk about all things Plaid: how it evolved into being a forefront in open finance, and how it’ll continue to unlock financial freedom for everyone.
Card Network Dynamics and Utah Fintech
In this episode, Reggie, Matt, and Scott demystify card networks and explain different core functions, its implementation, and its future in financial or payment institutions. Scott talks about core functions related to card issuance, acquiring and acceptance of payments, and additional services beyond the network operations. He also brings up the challenge of managing everything with the diversit
2023 Fintech Trends with Alex Johnson and Jason Mikula
Reggie Young and Matt Janiga interview Alex Johnson, creator of the newsletter Fintech Takes, and Jason Mikula, writer of Fintech Business Weekly. Alex and Jason talk about CFPB regulations, fintech competition, and customer choice.
Fraud & AML Functions with Trisha Kothari
This episode tackles FRAML (Fraud and Anti-money Laundering) essentials for fintechs like investment costs & mistakes, weak spots fraudsters exploit, and issues when tackling fraud and AML. Reggie, Matt, and Trisha Kothari discuss fundamental concepts and people you should have in your business, while juggling investing, getting ROIs, losing money, and finding growth and innovation in the Fint
Fintech Lending Capital Market Primer
In this Episode, Robin Poore, VP of Capital Markets & Treasury at BlueVine, talks about the purpose and effect of capital markets for fintechs. He explains the process lenders go through when approving loans through different avenues and emphasizes the qualities fintechs should watch out for in funding partners.
Sanctions with Former OFAC Head John Smith
Matt Janiga and Reggie Young interview John Smith, a partner at Morrison Foerster and the former Director at the Office of Foreign Assets Control (OFAC). John talks about sanctions, the functions of OFAC, and what sanctions Fintechs can expect.
What Bank Partners Want from Fintechs
Matt Janiga and Reggie Young conduct an interview with Rodrigo Suarez of Piermont Bank. He shares insights about how bank sponsors work with fintech companies and how these banks view the fintech landscape.
Ron Shevlin Snarks Up the Cake: Apple Checking, Super Apps and Teen Spirit
Matt and Reggie interview Ron Shevlin, Chief Research Officer at Cornerstone Advisors, Senior Contributor at Forbes, and Fintech Snark Tank writer. They discuss the evolution of fintech, the regulatory environment for fintech, and checking account potential for various fintech players.
Selecting a Bank Partner
Matt and Reggie discuss the basics of bank partners. A key feature of fintech, bank partnerships can make or break a fintech company.
An Insider View of the CFPB (with Manatt)
Matt and Reggie interview Bryan Schneider and Mehul Madia of the law firm, Manatt, Phelps & Phillips as a second part to the two-part series on the CFPB. They discuss the regulatory bureau’s processes, as well as best practices for Fintech firms.
CFPB Primer
Matt and Reggie take a deep dive into why the government was forced to finally create the Consumer Financial Protection Bureau. They discuss how it started, its purpose, the policies it created, and its impact on Fintech.
History of Platform Payments
In the last decade, the payment processing space exploded onto the scene. Join Matt and Reggie as they talk to Jareau Wadé, Chief Growth Officer at Finix and co-founder of Balanced, who’s had a front-row seat right from the start.
Fintech State Regulators
In this episode: how fintechs should think about regulators and regulation. There’s a lot of regulatory scrutiny happening now in the BaaS space, so this is a must-listen.Matt & Reggie discuss regulatory schemes, licensing, and what to do when regulators reach out to you.
Pain Points in Crypto Infrastructure
Matt and Reggie chat with Sara Xi, Chief Product Officer of Prime Trust. Join us for a deep dive into the crypto infrastructure that covers key building blocks, pain points, and common solutions.
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