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 regulatory considerations to the nuances of bank partnerships, this episode provides valuable insights for fintech founders and operators looking to navigate the complexities of the industry. Tune in to discover how Column is redefining fintech partnerships and learn practical tips for creating sustainable and effective collaborations.

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 sector.Ben provides a comprehensive primer on EWA, discussing its business models, regulatory challenges, and the impact of policy on innovation and consumer protection.

American Banker reporter Polo Rocha discusses key metrics in bank earnings, financial health of regional banks post-Silicon Valley Bank collapse, regulatory changes affecting fintech sponsor banks, profitability pressures, and future challenges banks may face in 2024.

Daniel Simon, Founder of Coast, shares insights on the complexities of fleet payments and Coast's innovative solutions. Topics include challenges in fleet payments, strategic partnerships in fleet management, compliance in Fintech, and the transition to electric vehicles in commercial fleets.

Natasha Vernier, CEO of Cable, discusses Compliance 3.0 in fintech, lessons from Monzo, and the future of bank-fintech partnerships. Topics include automated effectiveness testing, challenges of selling fintech solutions to banks, and the potential shift toward embedded finance solutions.

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 his extensive background in fintech and reveals how Tandym is navigating the challenges of scaling fintech products while fostering innovation.

Exploring lessons from fintech giants like Stripe and Airwallex, the podcast discusses the importance of compliance technology in safeguarding fintechs. They also dive into the evolving landscape of fintech-bank partnerships and the impact of regulatory scrutiny on the industry.

Chris Rigoni, an expert in Banking-as-a-Service and embedded finance, discusses the evolving landscape of fintech partnerships and the challenges and opportunities for community banks embracing technological advancements. The podcast explores the criteria banks consider when choosing a fintech partner, the importance of holistic solutions and demonstrating ROI, advancements in the fintech industry, and the potential impact of real-time payments on financial services.

Fintech expert Matthew Goldman discusses the evolution of card products, banking relationships, fraud management, and the future of fintech. They explore the impact of regulatory changes, the rise of Credit-Card-as-a-Service, and upcoming trends in the card industry for 2024.

The podcast explores the effects of rising interest rates on retail investor behavior and Public's innovative product strategy. They discuss the importance of providing market context and a wide range of investable assets. The differences between fixed income funds and individual bonds are explored, highlighting the risks associated with bond funds. The influence of interest rates on retail investors and strategies for aligning incentives are discussed. The importance of trust and long-term commitment in the business model, especially for younger customers, is emphasized. The significance of ongoing conversations about AI in the Fintech industry is highlighted.