Simon Khalaf, CEO of Marqeta, shares insights on the bright future of fintech as we approach 2025. He discusses how regulatory updates signal industry maturity, creating opportunities for innovation. Khalaf emphasizes the role of AI in building trust and enhancing consumer engagement through new models like 'Buy Now, Pay Later.' The conversation also explores the importance of aligning incentives among fintechs and regulators to foster sustainable growth, while adapting to changing interest rates and evolving financial infrastructure.