Fintech Layer Cake

Faraz Rana, former Chief Legal Officer at Bread and founder of Affinity, shares his journey from M&A lawyer to startup leader. He delves into the regulatory nuances of the Buy Now Pay Later landscape, emphasizing compliance's pivotal role in fintech. The discussion also highlights the integration of generative AI as a compliance co-pilot and the importance of building relationships in legal operations. In reflecting on RegTech's future, Faraz identifies the need for innovation to overcome barriers in selling solutions to compliance teams.

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 decisions, and the lessons learned while reshaping the fintech landscape. Whether you're a fintech enthusiast or an industry professional, this episode offers a unique glimpse into the minds of those who are redefining financial technology.

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 experiences, challenges in regulating financial fees, and predicts how fintechs could reshape banking in the U.S. with their technological edge. If you're fascinated by the evolving dynamics of financial technologies, this conversation offers a treasure trove of insights and debates that challenge mainstream views.

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.