Fintech Layer Cake

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.

Paul Kesserwani, CEO of Cushion, discusses the evolution of Buy Now Pay Later (BNPL) industry, unconventional applications of BNPL, dispelling myths about BNPL, credit building and understanding credit scores, and challenges in consumer financial services.

Brian Barnes, Founder & CEO at M1, joins Reggie Young & Nikil Konduru to discuss the fintech landscape, including buying a bank, digitizing the private bank experience, incentivizing consumers to switch, balancing broad capability and deep focus in consumer finance products, challenges and growth of acquiring a bank, and the importance of personalization and automation in finance.

Expert in payroll payments, Jeff Forkan, discusses challenges with sponsor banks and taxes, enhancing cross-border payroll payments, and the complexities of employer employee payments. They also touch on recent crypto headlines and the SEC lawsuit against Ripple, and speculate on the potential adoption of FedNow in the FinTech industry.

Reggie Young interviews Sophia Goldberg, the CEO and co-founder of Ansa. Topics discussed include: lessons learned in building teams and products, challenges faced by authors in the self-publishing industry, experiences as an enterprise account manager, benefits and challenges of building a closed loop payment system, acquiring customers for digital wallet innovation, the fascinating history of San Francisco, and predictions for fintech M&A.

This Special Episode is a cross-post from the Consumer Finance Monitor Podcast. Reggie Young, Ron Shevlin, and Alan Kaplinsky share their insights on the risks and benefits of AI and chatbots, as well as how fintechs should think about practically implementing them.