Fintech Layer Cake

Reggie Young and Matt Janiga interview Zach Perret, co-founder and CEO of Plaid. They talk about all things Plaid: how it evolved into being a forefront in open finance, and how it’ll continue to unlock financial freedom for everyone.

In this episode, Reggie, Matt, and Scott demystify card networks and explain different core functions, its implementation, and its future in financial or payment institutions. Scott talks about core functions related to card issuance, acquiring and acceptance of payments, and additional services beyond the network operations. He also brings up the challenge of managing everything with the diversity and limitations in networks, while emphasizing the huge influence of technology to the growth of fintechs in Utah.

Reggie Young and Matt Janiga interview Alex Johnson, creator of the newsletter Fintech Takes, and Jason Mikula, writer of Fintech Business Weekly. Alex and Jason talk about CFPB regulations, fintech competition, and customer choice.

This episode tackles FRAML (Fraud and Anti-money Laundering) essentials for fintechs like investment costs & mistakes, weak spots fraudsters exploit, and issues when tackling fraud and AML. Reggie, Matt, and Trisha Kothari discuss fundamental concepts and people you should have in your business, while juggling investing, getting ROIs, losing money, and finding growth and innovation in the Fintech field. 

In this Episode, Robin Poore, VP of Capital Markets & Treasury at BlueVine, talks about the purpose and effect of capital markets for fintechs. He explains the process lenders go through when approving loans through different avenues and emphasizes the qualities fintechs should watch out for in funding partners.

Matt Janiga and Reggie Young interview John Smith, a partner at Morrison Foerster and the former Director at the Office of Foreign Assets Control (OFAC). John talks about sanctions, the functions of OFAC, and what sanctions Fintechs can expect.

Matt Janiga and Reggie Young conduct an interview with Rodrigo Suarez of Piermont Bank. He shares insights about how bank sponsors work with fintech companies and how these banks view the fintech landscape.

Matt and Reggie interview Ron Shevlin, Chief Research Officer at Cornerstone Advisors, Senior Contributor at Forbes, and Fintech Snark Tank writer. They discuss the evolution of fintech, the regulatory environment for fintech, and checking account potential for various fintech players.

Matt and Reggie discuss the basics of bank partners. A key feature of fintech, bank partnerships can make or break a fintech company.

Matt and Reggie interview Bryan Schneider and Mehul Madia of the law firm, Manatt, Phelps & Phillips as a second part to the two-part series on the CFPB. They discuss the regulatory bureau’s processes, as well as best practices for Fintech firms.