Welcome to the Tearsheet Podcast. I’m Zack Miller. One of the major themes we’ve been exploring through this podcast and through our reporting is this idea of embedded finance or finance everywhere. The idea is that as financial tools become more modular and APIs more powerful, every software company and every brand really can become a financial services company. We’ve seen this story — a leading SaaS company rolls out payments to tie together its service offering. Well, to do that, it requires a lot of payments engineering, manpower, and a lot of connecting various nodes of the payment systems. Finix Payments is working to change all that. For a software company that wants to own its own payments stack, Finix offers payment infrastructure as a service. Launch time is massively accelerated and as CEO and co-founder Richie Serna will explain, it takes part of the payments ecosystem that used to be a cost center and turns it into a good source of revenue. Richie Serna is my guest today on the Tearsheet Podcast. I’d like to thank our sponsor MX for supporting Tearsheet’s work. MX is the leading data platform for banks, credit unions and fintechs, enabling its clients and partners to easily collect, enhance, analyze, present and act on financial data.