Fintech Layer Cake

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.

Former Fintech Layer Cake co-host and regulatory expert Matt Janiga discusses open banking and the potential impacts of the proposed rules. Topics covered include competition, data access, and consumer choice, as well as the influence of major banks and trade groups. The podcast also explores the concept of open banking, the challenges faced by traditional banks, and the rise of fintech applications. It discusses the implications of the rule on screen scraping, the rationale and limitations of open banking rules, and the potential effects on competition in the banking industry. The speaker also highlights Tressley's focus on payments and their ability to help merchants save on interchange costs and offer fraud and risk protections.

Reggie Young interviews Tommy Nicholas, CEO of Alloy, discussing the challenges of fraud in fintech and the future of banking. They explore the increase in risk tolerance among fintechs, simplify audits and understand fraud in the card space, manage card issuing complexity in the fraud space, build trust with banks and mature fintechs, and discuss overlooked topics in fintech such as market reorientation and the community banking crisis.