Simon Taylor, a fintech expert with a knack for analyzing industry trends, joins the discussion. They dive into Paydock's innovative approach to modernizing bank tech without upheaval. Bluespine's AI-driven self-insurance solution for large employers highlights a crucial industry clash between productivity and cost-cutting. Taylor also covers Astrada's 'bring your own card' service, reshaping how platforms offer financial perks while fostering partnerships with major players like Citibank and Brex, setting the stage for future fintech evolution.