Fintech Layer Cake Thu, 05 Mar 2026 01:54:53 -0500 https://fintechlayercake.buzzsprout.com en-us © 2026 Fintech Layer Cake yes cfd2c8e8-33aa-5214-a587-a64646ab119f Lithic episodic false Welcome to Fintech Layer Cake. A podcast where we slice big Financial Technology topics into bite-sized pieces for everybody to easily digest. Our goal is to make fintech a piece of cake for everyone. Fintech Layer Cake is powered by Lithic — the fastest and most flexible way to launch a card program.

]]> Buzzsprout (https://www.buzzsprout.com) Lithic https://storage.buzzsprout.com/ehzfvwxhk4lt7gtaj783v5hkcft6?.jpg Fintech Layer Cake Middesk CEO Kyle Mack on AI, Good Data, and Business Onboarding in 2026 Middesk CEO Kyle Mack on AI, Good Data, and Business Onboarding in 2026 What happens when you try to build AI-driven fintech products on top of messy, incomplete, or unreliable data?

In this episode of Fintech Layer Cake, host Reggie Young sits down with Kyle Mack, CEO of Middesk, to unpack why data—not AI—is the real bottleneck holding fintech innovation back. Kyle explains how KYB has evolved far beyond a compliance checkbox, why poor data foundations can amplify risk instead of reducing it, and what it actually takes to support real-time, automated decisioning for business onboarding. The conversation dives into agentic workflows, performance constraints, first-party data strategies, and why trust and explainability still matter in a regulated world. Kyle also reframes business verification as revenue infrastructure, not just risk management, and shares why identity should be thought of as a “rail” connecting businesses, banks, and governments. 


]]> What happens when you try to build AI-driven fintech products on top of messy, incomplete, or unreliable data?

In this episode of Fintech Layer Cake, host Reggie Young sits down with Kyle Mack, CEO of Middesk, to unpack why data—not AI—is the real bottleneck holding fintech innovation back. Kyle explains how KYB has evolved far beyond a compliance checkbox, why poor data foundations can amplify risk instead of reducing it, and what it actually takes to support real-time, automated decisioning for business onboarding. The conversation dives into agentic workflows, performance constraints, first-party data strategies, and why trust and explainability still matter in a regulated world. Kyle also reframes business verification as revenue infrastructure, not just risk management, and shares why identity should be thought of as a “rail” connecting businesses, banks, and governments. 


]]> Lithic Buzzsprout-18649971 Tue, 24 Feb 2026 08:00:00 -0500 2096 4 2 full false Reducing Oversight Costs for Fintechs and Banks with Narrative CEO Gokul Dhingra Reducing Oversight Costs for Fintechs and Banks with Narrative CEO Gokul Dhingra In this episode of FinTech Layer Cake, Reggie Young sits down with Gokul Dhingra, Co-Founder and CEO of Narrative, to unpack how AI is reshaping compliance, oversight, and growth in the fintech ecosystem. Narrative is tackling one of the industry’s biggest pain points—the rising cost of compliance and risk management—by turning oversight into a source of efficiency and even competitive advantage.

Gokul shares how banks and fintechs can align around shared objectives, why complaints data is an overlooked goldmine for growth, and how Narrative uses AI to reduce operational thrash while keeping humans in the loop. The conversation digs into the misconceptions about AI “hallucinations,” the subtle ways bias shows up in both humans and algorithms, and why empathy is the ultimate differentiator in building trust with customers and regulators alike.

If you’ve wondered what it takes to scale innovation in a highly regulated environment without sacrificing trust—or how AI can be deployed responsibly in financial services—this episode offers a roadmap from someone building it in real time.


]]> In this episode of FinTech Layer Cake, Reggie Young sits down with Gokul Dhingra, Co-Founder and CEO of Narrative, to unpack how AI is reshaping compliance, oversight, and growth in the fintech ecosystem. Narrative is tackling one of the industry’s biggest pain points—the rising cost of compliance and risk management—by turning oversight into a source of efficiency and even competitive advantage.

Gokul shares how banks and fintechs can align around shared objectives, why complaints data is an overlooked goldmine for growth, and how Narrative uses AI to reduce operational thrash while keeping humans in the loop. The conversation digs into the misconceptions about AI “hallucinations,” the subtle ways bias shows up in both humans and algorithms, and why empathy is the ultimate differentiator in building trust with customers and regulators alike.

If you’ve wondered what it takes to scale innovation in a highly regulated environment without sacrificing trust—or how AI can be deployed responsibly in financial services—this episode offers a roadmap from someone building it in real time.


]]> Lithic Buzzsprout-18345138 Thu, 29 Jan 2026 08:00:00 -0500 1611 4 1 full false 2025 Cards Year in Review with Matthew Goldman 2025 Cards Year in Review with Matthew Goldman Why are crypto credit cards exploding — and what does the Coinbase x Amex partnership signal about where the card ecosystem is heading next?

In this episode, host Reggie Young sits down with Matthew Goldman, founder of Totavi and one of the most respected card experts in fintech, for their annual “State of the Cards Union.” Matthew breaks down why 2025 became a breakout year for crypto-linked cards, how Amex is selectively stepping deeper into fintech partnerships, and why HELOC-backed credit products reached an unexpected inflection point. He also shares what surprised him most this year, the underwriting innovations reshaping access to credit, and why consumer obsession with rewards has gone fully mainstream. The conversation moves through the history of program management waves, the rise of cloud-native processors, and the real economics behind modern card programs. Finally, Matthew looks ahead to 2026 with predictions around stablecoin settlement, hyper-personalized rewards, and the next big opportunity in gig-worker credit.


]]> Why are crypto credit cards exploding — and what does the Coinbase x Amex partnership signal about where the card ecosystem is heading next?

In this episode, host Reggie Young sits down with Matthew Goldman, founder of Totavi and one of the most respected card experts in fintech, for their annual “State of the Cards Union.” Matthew breaks down why 2025 became a breakout year for crypto-linked cards, how Amex is selectively stepping deeper into fintech partnerships, and why HELOC-backed credit products reached an unexpected inflection point. He also shares what surprised him most this year, the underwriting innovations reshaping access to credit, and why consumer obsession with rewards has gone fully mainstream. The conversation moves through the history of program management waves, the rise of cloud-native processors, and the real economics behind modern card programs. Finally, Matthew looks ahead to 2026 with predictions around stablecoin settlement, hyper-personalized rewards, and the next big opportunity in gig-worker credit.


]]> Lithic Buzzsprout-18285989 Thu, 04 Dec 2025 08:00:00 -0500 1689 3 18 full false Sarah Wilson, Circle's General Counsel, on the IPO Process, GENIUS Act, and More Sarah Wilson, Circle's General Counsel, on the IPO Process, GENIUS Act, and More In this episode of Fintech Layer Cake, host Reggie Young sits down with Sarah Wilson, General Counsel at Circle, to explore how Circle is shaping the global legal and regulatory frontier for stablecoins and digital assets. She shares her path from big law to fintech, why stablecoins represent the perfect intersection of finance, technology, and regulation, and how Circle manages compliance across 185 countries. 

Sarah breaks down the Genius Act—its real scope, biggest misconceptions, and what it means for payment stablecoins. Sarah also offers a behind-the-scenes look at Circle’s IPO journey, what shifts when a company goes public, and how Circle built Arc, an institutional-grade blockchain platform. Packed with insights on compliance, innovation, and digital finance governance, this episode is a must-listen for fintech operators, lawyers, and anyone shaping the future of financial infrastructure.

]]> In this episode of Fintech Layer Cake, host Reggie Young sits down with Sarah Wilson, General Counsel at Circle, to explore how Circle is shaping the global legal and regulatory frontier for stablecoins and digital assets. She shares her path from big law to fintech, why stablecoins represent the perfect intersection of finance, technology, and regulation, and how Circle manages compliance across 185 countries. 

Sarah breaks down the Genius Act—its real scope, biggest misconceptions, and what it means for payment stablecoins. Sarah also offers a behind-the-scenes look at Circle’s IPO journey, what shifts when a company goes public, and how Circle built Arc, an institutional-grade blockchain platform. Packed with insights on compliance, innovation, and digital finance governance, this episode is a must-listen for fintech operators, lawyers, and anyone shaping the future of financial infrastructure.

]]> Lithic Buzzsprout-18139827 Thu, 20 Nov 2025 08:00:00 -0500 1197 3 17 full false AI Adoption Survey and Fintech Trends with Jas Randhawa AI Adoption Survey and Fintech Trends with Jas Randhawa In this episode of FinTech Layer Cake, host Reggie Young welcomes back Jas Randhawa, Founder and Managing Partner at Strategy Brix, for a candid look at how fintechs are really using AI in compliance. 

Drawing insights from a new survey of nearly 100 fintech companies, Jas shares what’s hype versus reality, why most teams are still in the ‘talking’ phase, and where budgets and talent investments are falling short. He also explores how AI will reshape compliance roles, the importance of training over tooling, and why regulation might never catch up. 

Finally, Jas explains why he’s bullish on crypto and stablecoins—and how traditional banks are quietly following fintechs’ lead. For anyone building, leading, or scaling in fintech compliance, this episode delivers clear-eyed perspective and practical takeaways.


]]> In this episode of FinTech Layer Cake, host Reggie Young welcomes back Jas Randhawa, Founder and Managing Partner at Strategy Brix, for a candid look at how fintechs are really using AI in compliance. 

Drawing insights from a new survey of nearly 100 fintech companies, Jas shares what’s hype versus reality, why most teams are still in the ‘talking’ phase, and where budgets and talent investments are falling short. He also explores how AI will reshape compliance roles, the importance of training over tooling, and why regulation might never catch up. 

Finally, Jas explains why he’s bullish on crypto and stablecoins—and how traditional banks are quietly following fintechs’ lead. For anyone building, leading, or scaling in fintech compliance, this episode delivers clear-eyed perspective and practical takeaways.


]]> Lithic Buzzsprout-18124564 Thu, 06 Nov 2025 08:00:00 -0500 2093 3 16 full false MTLs and Money Transmission Primer with Evan Minsberg MTLs and Money Transmission Primer with Evan Minsberg In this episode of FinTech Layer Cake, host Reggie Young speaks with Evan Minsberg, Partner at Morrison Foerster, about the nuanced world of money transmission licenses (MTLs). Evan explains what MTLs are, why fintechs need them, and the trade-offs between pursuing a license, partnering with a bank, or using alternative models. He also unpacks the hidden costs, both in dollars and time, behind getting licensed, and how fintechs can think strategically about when it makes sense to pursue one.

From agent-of-payee exemptions to the risks of operating without proper licenses, Evan offers a practical primer for founders navigating regulatory quicksand. He also shares trends in state-level adoption of the Money Transmission Modernization Act (MTMA), rising anti-money laundering scrutiny, and myths about “FBO” and “BOBA” accounts. Whether you’re building a payments product, exploring embedded finance, or just trying to future-proof your business, this conversation is packed with insights you won’t want to miss.


]]> In this episode of FinTech Layer Cake, host Reggie Young speaks with Evan Minsberg, Partner at Morrison Foerster, about the nuanced world of money transmission licenses (MTLs). Evan explains what MTLs are, why fintechs need them, and the trade-offs between pursuing a license, partnering with a bank, or using alternative models. He also unpacks the hidden costs, both in dollars and time, behind getting licensed, and how fintechs can think strategically about when it makes sense to pursue one.

From agent-of-payee exemptions to the risks of operating without proper licenses, Evan offers a practical primer for founders navigating regulatory quicksand. He also shares trends in state-level adoption of the Money Transmission Modernization Act (MTMA), rising anti-money laundering scrutiny, and myths about “FBO” and “BOBA” accounts. Whether you’re building a payments product, exploring embedded finance, or just trying to future-proof your business, this conversation is packed with insights you won’t want to miss.


]]> Lithic Buzzsprout-18052629 Thu, 23 Oct 2025 11:00:00 -0400 1717 3 15 full false Imprint CTO Will Larson on Fintech Engineering Strategy Imprint CTO Will Larson on Fintech Engineering Strategy What does it take to run engineering at the heart of modern fintech? In this episode of Fintech Layer Cake, Imprint CTO Will Larson unpacks lessons from leading engineering teams at Stripe, Carta, Calm, Uber, and more. Will shares how fintech engineering differs from SaaS, the tradeoffs executives face when joining new companies, and why the art of leadership lies in balancing seemingly incompatible frameworks, moving fast while preserving reliability, innovating while managing legacy systems.

He also dives into the hype and reality of large language models (LLMs). Will explains why today’s “AI engineers” may simply be tomorrow’s product engineers, why prompt-crafting is more artisanal than strategic, and how agentic tools could redefine workflows. From the shifting expectations of tech executives over three decades to what really drives innovation inside scaling companies, this conversation is equal parts practical and forward-looking. For anyone navigating fintech engineering or curious about the future of AI in product development, Will offers a grounded perspective on what matters most.


]]> What does it take to run engineering at the heart of modern fintech? In this episode of Fintech Layer Cake, Imprint CTO Will Larson unpacks lessons from leading engineering teams at Stripe, Carta, Calm, Uber, and more. Will shares how fintech engineering differs from SaaS, the tradeoffs executives face when joining new companies, and why the art of leadership lies in balancing seemingly incompatible frameworks, moving fast while preserving reliability, innovating while managing legacy systems.

He also dives into the hype and reality of large language models (LLMs). Will explains why today’s “AI engineers” may simply be tomorrow’s product engineers, why prompt-crafting is more artisanal than strategic, and how agentic tools could redefine workflows. From the shifting expectations of tech executives over three decades to what really drives innovation inside scaling companies, this conversation is equal parts practical and forward-looking. For anyone navigating fintech engineering or curious about the future of AI in product development, Will offers a grounded perspective on what matters most.


]]> Lithic Buzzsprout-17972017 Thu, 09 Oct 2025 08:00:00 -0400 2546 3 14 full false Fixing SMB Cash Flow with Ariel Blum, Founder of Receive Fixing SMB Cash Flow with Ariel Blum, Founder of Receive In this episode of FinTech Layer Cake, Reggie Young sits down with Ariel Blum, Founder of Receive, to unpack the challenges of small business cash flow and why “earned revenue access” could transform how SMBs operate. 

Ariel shares his journey from watching his parents struggle with delayed payments, to working at Amex, Green Dot, and Melio, to ultimately founding Receive. They explore the future of embedded finance, fintech’s shift from “hot or not” to “essential,” and how solving cash flow timing mismatches could unlock massive opportunities for the 33 million small businesses in the U.S. and beyond.

]]> In this episode of FinTech Layer Cake, Reggie Young sits down with Ariel Blum, Founder of Receive, to unpack the challenges of small business cash flow and why “earned revenue access” could transform how SMBs operate. 

Ariel shares his journey from watching his parents struggle with delayed payments, to working at Amex, Green Dot, and Melio, to ultimately founding Receive. They explore the future of embedded finance, fintech’s shift from “hot or not” to “essential,” and how solving cash flow timing mismatches could unlock massive opportunities for the 33 million small businesses in the U.S. and beyond.

]]> Lithic Buzzsprout-17886846 Thu, 25 Sep 2025 08:00:00 -0400 2091 3 13 full false The Future of Agentic Financial Crime Work with Greenlite Cofounder Will Lawrence The Future of Agentic Financial Crime Work with Greenlite Cofounder Will Lawrence In this episode of Fintech Layer Cake, host Reggie Young sits down with Will Lawrence, Co-Founder and CEO of Greenlite AI, to explore how AI is transforming background checks and employment verification.

Will shares how his team is building a platform that makes identity verification faster, smarter, and more reliable, from parsing unstructured data to detecting fraud in real time. Along the way, they discuss the challenges of scaling AI in high-stakes industries, the balance between automation and human oversight, and what it takes to turn raw data into trusted decisions.

Whether you’re in fintech, HR tech, or just curious about the future of verification, this conversation delivers practical insights you can use today.

]]> In this episode of Fintech Layer Cake, host Reggie Young sits down with Will Lawrence, Co-Founder and CEO of Greenlite AI, to explore how AI is transforming background checks and employment verification.

Will shares how his team is building a platform that makes identity verification faster, smarter, and more reliable, from parsing unstructured data to detecting fraud in real time. Along the way, they discuss the challenges of scaling AI in high-stakes industries, the balance between automation and human oversight, and what it takes to turn raw data into trusted decisions.

Whether you’re in fintech, HR tech, or just curious about the future of verification, this conversation delivers practical insights you can use today.

]]> Lithic Buzzsprout-17810589 Thu, 11 Sep 2025 08:00:00 -0400 2131 3 12 full false Bank Data Crash Course with Lee Easton of iDENTIFY Bank Data Crash Course with Lee Easton of iDENTIFY In this episode of Fintech Layer Cake, host Reggie Young sits down with Lee Easton, founder and president of iDENTIFY, to unpack one of fintech’s least understood layers: bank transaction data. Lee breaks down why raw bank data is so unreliable out of the box, and what it actually takes to clean, enrich, and classify it so that it's usable for real-time fraud detection, underwriting, and customer engagement.

From manual tagging nightmares to building classification models across 1.2 billion transactions, this conversation is a practical deep-dive into what “decision-ready” data really means.

]]> In this episode of Fintech Layer Cake, host Reggie Young sits down with Lee Easton, founder and president of iDENTIFY, to unpack one of fintech’s least understood layers: bank transaction data. Lee breaks down why raw bank data is so unreliable out of the box, and what it actually takes to clean, enrich, and classify it so that it's usable for real-time fraud detection, underwriting, and customer engagement.

From manual tagging nightmares to building classification models across 1.2 billion transactions, this conversation is a practical deep-dive into what “decision-ready” data really means.

]]> Lithic Buzzsprout-17436051 Thu, 10 Jul 2025 08:00:00 -0400 2007 3 11 full false Taktile Cofounder Max Eber on LLMs and Risk Infrastructure Taktile Cofounder Max Eber on LLMs and Risk Infrastructure In this episode of Fintech Layer Cake, Reggie Young sits down with Max Eber, Co-Founder of Taktile, to explore how modern fintechs are rethinking risk infrastructure. Max shares insights from building a flexible decision engine used by leading lenders and fintechs around the world. They dive into what it really takes to customize underwriting, how Taktile is approaching AI and LLMs in production, and why success often hinges on enabling teams, not just engineers, to iterate faster.

Whether you're navigating credit models, fraud risk, or just curious about what LLMs can actually do in a fintech setting, this episode delivers a practical, high-level crash course on decisioning infrastructure at scale.

]]> In this episode of Fintech Layer Cake, Reggie Young sits down with Max Eber, Co-Founder of Taktile, to explore how modern fintechs are rethinking risk infrastructure. Max shares insights from building a flexible decision engine used by leading lenders and fintechs around the world. They dive into what it really takes to customize underwriting, how Taktile is approaching AI and LLMs in production, and why success often hinges on enabling teams, not just engineers, to iterate faster.

Whether you're navigating credit models, fraud risk, or just curious about what LLMs can actually do in a fintech setting, this episode delivers a practical, high-level crash course on decisioning infrastructure at scale.

]]> Lithic Buzzsprout-17402659 Thu, 26 Jun 2025 08:00:00 -0400 2105 3 10 full false Taktile’s Journey with CEO Maik Wehmeyer Taktile’s Journey with CEO Maik Wehmeyer In this episode of Fintech Layer Cake, host Reggie Young speaks with Maik Wehmeyer, co-founder and CEO of Taktile, an AI-powered risk decisioning platform redefining how fintechs, banks, and even telcos approach mission-critical decisions.

Maik shares the multi-year journey from MLOps tooling to a hyper-flexible decisioning platform, and how Taktile now powers over 150 institutions. They discuss the evolution of embedded finance, overlooked AI opportunities, and why enterprise deals are where the real money is. This episode is a masterclass on product-market fit, infrastructure innovation, and building a culture that attracts the top 1%.


]]> In this episode of Fintech Layer Cake, host Reggie Young speaks with Maik Wehmeyer, co-founder and CEO of Taktile, an AI-powered risk decisioning platform redefining how fintechs, banks, and even telcos approach mission-critical decisions.

Maik shares the multi-year journey from MLOps tooling to a hyper-flexible decisioning platform, and how Taktile now powers over 150 institutions. They discuss the evolution of embedded finance, overlooked AI opportunities, and why enterprise deals are where the real money is. This episode is a masterclass on product-market fit, infrastructure innovation, and building a culture that attracts the top 1%.


]]> Lithic Buzzsprout-17346695 Wed, 18 Jun 2025 08:00:00 -0400 1718 3 9 full false Vertical SaaS & Fintech Opportunities, Founder Lessons, and More with Matt Brown Vertical SaaS & Fintech Opportunities, Founder Lessons, and More with Matt Brown In this episode of Fintech Layer Cake, host Reggie Young speaks with Matt Brown, early-stage investor at Matrix Partners and former product leader at Afterpay.

Matt dives into the evolving landscape of vertical SaaS, why embedded fintech still has massive untapped potential, and how PE and VC are converging to create new opportunities. He also shares lessons from founding Bonsai, including counterintuitive insights about customer feedback and learning rate. They cover founder-investor dynamics, the future of BNPL, and Matt’s writing process behind his popular “X topic in 1,000 words” series.

If you're building in fintech, SaaS, or just want to understand the deeper trends shaping both, this is a must-listen.

]]> In this episode of Fintech Layer Cake, host Reggie Young speaks with Matt Brown, early-stage investor at Matrix Partners and former product leader at Afterpay.

Matt dives into the evolving landscape of vertical SaaS, why embedded fintech still has massive untapped potential, and how PE and VC are converging to create new opportunities. He also shares lessons from founding Bonsai, including counterintuitive insights about customer feedback and learning rate. They cover founder-investor dynamics, the future of BNPL, and Matt’s writing process behind his popular “X topic in 1,000 words” series.

If you're building in fintech, SaaS, or just want to understand the deeper trends shaping both, this is a must-listen.

]]> Lithic Buzzsprout-17279702 Thu, 05 Jun 2025 08:00:00 -0400 1703 3 8 full false New Fintech Bank Charter Opportunities with Michele Alt from Klaros Group New Fintech Bank Charter Opportunities with Michele Alt from Klaros Group In this episode of FinTech Layer Cake, host Reggie Young speaks with Michele Alt, Co-Founder of Klaros Group, about new opportunities in fintech bank charters.

They unpack the recent SmartBiz approval, what it signals for the industry, and the realities of the charter process—from regulatory hurdles to risk management. Michele also shares why now might be the best time in years to act—and why ILC charters could be the next big thing.

If you're thinking about chartering, partnering, or future-proofing your fintech, this episode is a must-listen.


]]> In this episode of FinTech Layer Cake, host Reggie Young speaks with Michele Alt, Co-Founder of Klaros Group, about new opportunities in fintech bank charters.

They unpack the recent SmartBiz approval, what it signals for the industry, and the realities of the charter process—from regulatory hurdles to risk management. Michele also shares why now might be the best time in years to act—and why ILC charters could be the next big thing.

If you're thinking about chartering, partnering, or future-proofing your fintech, this episode is a must-listen.


]]> Lithic Buzzsprout-17203701 Thu, 22 May 2025 08:00:00 -0400 2458 3 7 full false Simon Taylor on Agentic Payments and Opportunities Simon Taylor on Agentic Payments and Opportunities In this episode of FinTech Layer Cake, host Reggie Young welcomes back Simon Taylor—fintech thought leader, writer of Fintech Brainfood, and Head of Strategy & Content at Sardine.

They explore the rapidly emerging world of agentic payments and what Visa’s new tokenization framework means for AI-driven commerce. Simon also unpacks real-world use cases, from “vibe shopping” to automated business purchasing, and what hurdles—like consumer trust and fraud—still stand in the way.

The conversation then shifts to Sardine’s groundbreaking Agentic Oversight Framework, which shows how AI agents can safely handle complex compliance tasks like KYC.

Whether you’re building AI tools, working in compliance, or just curious about the next frontier in payments—this is an essential listen.


]]> In this episode of FinTech Layer Cake, host Reggie Young welcomes back Simon Taylor—fintech thought leader, writer of Fintech Brainfood, and Head of Strategy & Content at Sardine.

They explore the rapidly emerging world of agentic payments and what Visa’s new tokenization framework means for AI-driven commerce. Simon also unpacks real-world use cases, from “vibe shopping” to automated business purchasing, and what hurdles—like consumer trust and fraud—still stand in the way.

The conversation then shifts to Sardine’s groundbreaking Agentic Oversight Framework, which shows how AI agents can safely handle complex compliance tasks like KYC.

Whether you’re building AI tools, working in compliance, or just curious about the next frontier in payments—this is an essential listen.


]]> Lithic Buzzsprout-17117612 Wed, 07 May 2025 13:00:00 -0400 2466 3 6 full false Card Processor 101 with Braulio Lam from EQ Bank Card Processor 101 with Braulio Lam from EQ Bank In this episode of FinTech Layer Cake, Reggie and Ali are joined by Braulio Lam, Senior Director of Engineering at EQ Bank, to unpack the essential ingredients of selecting and integrating a card processor. 

With experience across multiple processors and fintech startups, Braulio breaks down what to look for in API documentation, how to assess a processor’s operational and customer support readiness, and what a real-world integration looks like. 

From technical deep dives to agile banking transformation, Braulio offers practical, tactical insights for engineers, product leaders, and anyone navigating the complexities of payments infrastructure.


]]> In this episode of FinTech Layer Cake, Reggie and Ali are joined by Braulio Lam, Senior Director of Engineering at EQ Bank, to unpack the essential ingredients of selecting and integrating a card processor. 

With experience across multiple processors and fintech startups, Braulio breaks down what to look for in API documentation, how to assess a processor’s operational and customer support readiness, and what a real-world integration looks like. 

From technical deep dives to agile banking transformation, Braulio offers practical, tactical insights for engineers, product leaders, and anyone navigating the complexities of payments infrastructure.


]]> Lithic Buzzsprout-17028254 Thu, 24 Apr 2025 08:00:00 -0400 2260 3 5 full false Lessons from Loop, Canada’s #1 Business Banking Platform with Cato Pastoll and Nik Nampalli Lessons from Loop, Canada’s #1 Business Banking Platform with Cato Pastoll and Nik Nampalli In this episode of FinTech Layer Cake, host Reggie Young speaks with Cato Pastoll (Co-founder & CEO) and Nik Nampalli (Head of Strategic Projects) of Loop—Canada’s #1 business banking platform. Loop offers multi-currency credit cards, global payment tools, and financial services that save SMBs thousands each year.

Cato and Nik break down how Loop evolved into a fintech solution for Canadian businesses with cross-border needs, why multi-currency capabilities matter, and what makes Canada’s fintech landscape uniquely challenging.

Whether you're navigating card issuing, expanding across borders, or curious about what’s next for Canadian fintech—this episode is packed with insight and inspiration.

]]> In this episode of FinTech Layer Cake, host Reggie Young speaks with Cato Pastoll (Co-founder & CEO) and Nik Nampalli (Head of Strategic Projects) of Loop—Canada’s #1 business banking platform. Loop offers multi-currency credit cards, global payment tools, and financial services that save SMBs thousands each year.

Cato and Nik break down how Loop evolved into a fintech solution for Canadian businesses with cross-border needs, why multi-currency capabilities matter, and what makes Canada’s fintech landscape uniquely challenging.

Whether you're navigating card issuing, expanding across borders, or curious about what’s next for Canadian fintech—this episode is packed with insight and inspiration.

]]> Lithic Buzzsprout-16905623 Thu, 10 Apr 2025 08:00:00 -0400 1808 3 4 full false LoanPro’s Scott Johnson on launching credit cards, lessons from Galileo, and more LoanPro’s Scott Johnson on launching credit cards, lessons from Galileo, and more In this episode of Fintech Layer Cake, host Reggie Young sits down with Scott Johnson, President of the Card Division at LoanPro. Scott shares his deep expertise from over two decades in fintech, including his time at Galileo and his current work at LoanPro, where they are pioneering transactional-level credit. Together, they discuss the core pillars of launching a credit card, common mistakes fintech founders make, and how the lending landscape is evolving. Whether you’re a fintech builder or just curious about how credit cards really work, this conversation is packed with insights on the future of card issuing and credit products.

]]> In this episode of Fintech Layer Cake, host Reggie Young sits down with Scott Johnson, President of the Card Division at LoanPro. Scott shares his deep expertise from over two decades in fintech, including his time at Galileo and his current work at LoanPro, where they are pioneering transactional-level credit. Together, they discuss the core pillars of launching a credit card, common mistakes fintech founders make, and how the lending landscape is evolving. Whether you’re a fintech builder or just curious about how credit cards really work, this conversation is packed with insights on the future of card issuing and credit products.

]]> Lithic Buzzsprout-16739271 Thu, 06 Mar 2025 08:00:00 -0500 2189 3 3 full false FTA's Penny Lee on Federal Fintech Developments and Open Banking FTA's Penny Lee on Federal Fintech Developments and Open Banking In this episode of Fintech Layer Cake, host Reggie Young chats with Penny Lee, President and CEO of the Financial Technology Association (FTA). Penny shares insights on key federal fintech policy developments, the implications of open banking, and how fintech companies can navigate the evolving regulatory landscape. They discuss recent court filings related to CFPB’s final open banking rule, regulatory trends under the new administration, and opportunities for fintechs to influence policy.


]]> In this episode of Fintech Layer Cake, host Reggie Young chats with Penny Lee, President and CEO of the Financial Technology Association (FTA). Penny shares insights on key federal fintech policy developments, the implications of open banking, and how fintech companies can navigate the evolving regulatory landscape. They discuss recent court filings related to CFPB’s final open banking rule, regulatory trends under the new administration, and opportunities for fintechs to influence policy.


]]> Lithic Buzzsprout-16658621 Thu, 20 Feb 2025 08:00:00 -0500 1413 3 2 full false Lead's Journey and Tips for Fintech with co-founder Erica Khalili Lead's Journey and Tips for Fintech with co-founder Erica Khalili Fintech Layer Cake officially kicks off its third season as Reggie Young and Alli Nilsen dive into an insightful conversation with Erica Khalili, Chief Legal Risk Officer and Co-founder of Lead. Erica shares the transformative journey of Lead, from its legacy as a century-old institution to becoming a cutting-edge fintech sponsor bank. She discusses the critical pillars of success—technical excellence, client obsession, and risk management—and reflects on the evolving landscape of fintech partnerships and compliance. Packed with real-world insights, this episode is a must-listen for fintech enthusiasts and industry leaders alike.


]]> Fintech Layer Cake officially kicks off its third season as Reggie Young and Alli Nilsen dive into an insightful conversation with Erica Khalili, Chief Legal Risk Officer and Co-founder of Lead. Erica shares the transformative journey of Lead, from its legacy as a century-old institution to becoming a cutting-edge fintech sponsor bank. She discusses the critical pillars of success—technical excellence, client obsession, and risk management—and reflects on the evolving landscape of fintech partnerships and compliance. Packed with real-world insights, this episode is a must-listen for fintech enthusiasts and industry leaders alike.


]]> Lithic Buzzsprout-16517501 Thu, 30 Jan 2025 08:00:00 -0500 2961 3 1 full false FS Vector on Election Fintech Implications with Ashwin Vasan and Peter Freeman FS Vector on Election Fintech Implications with Ashwin Vasan and Peter Freeman In this episode of Fintech Layer Cake, Reggie Young sits down with Ashwin Vasan and Peter Freeman, partners at FS Vector, to discuss the evolving regulatory landscape and its implications for fintech and banking innovation. From personnel changes in Washington to the future of digital assets and data privacy, Ashwin and Peter provide actionable insights on what’s shaping the fintech industry in the wake of election outcomes.


]]> In this episode of Fintech Layer Cake, Reggie Young sits down with Ashwin Vasan and Peter Freeman, partners at FS Vector, to discuss the evolving regulatory landscape and its implications for fintech and banking innovation. From personnel changes in Washington to the future of digital assets and data privacy, Ashwin and Peter provide actionable insights on what’s shaping the fintech industry in the wake of election outcomes.


]]> Lithic Buzzsprout-16401637 Thu, 09 Jan 2025 08:00:00 -0500 2180 2 34 full false State of the Card Union: 2024 Trends, AI, and Secured Cards with Matthew Goldman State of the Card Union: 2024 Trends, AI, and Secured Cards with Matthew Goldman In this episode of Fintech Layer Cake, Reggie Young is joined by Matthew Goldman, founder of Totavi, to dive into the latest card trends of 2024 and look ahead at what's in store for 2025. As the first return guest, Matthew shares his insights on the evolving fintech landscape, including the rise of secured cards, the impact of AI in payments, the potential of stablecoins, and predictions for the future of payments. Plus, we explore the regulatory challenges fintechs may face in the coming years and the growing interest in open banking. Tune in for an in-depth discussion on the card industry’s biggest takeaways and where it's headed next.


]]> In this episode of Fintech Layer Cake, Reggie Young is joined by Matthew Goldman, founder of Totavi, to dive into the latest card trends of 2024 and look ahead at what's in store for 2025. As the first return guest, Matthew shares his insights on the evolving fintech landscape, including the rise of secured cards, the impact of AI in payments, the potential of stablecoins, and predictions for the future of payments. Plus, we explore the regulatory challenges fintechs may face in the coming years and the growing interest in open banking. Tune in for an in-depth discussion on the card industry’s biggest takeaways and where it's headed next.


]]> Lithic Buzzsprout-16296597 Thu, 19 Dec 2024 08:00:00 -0500 1354 2 33 full false Canadian Fintech Primer with Tal Schwartz Canadian Fintech Primer with Tal Schwartz In this episode of Fintech Layer Cake, Reggie Young speaks with Tal Schwartz, founder of the Canadian Fintech Newsletter and Exit North Ventures. Together, they explore the Canadian fintech ecosystem, comparing it with the U.S., discussing unique market dynamics, and highlighting opportunities in embedded finance and regulatory innovation. Tal also shares insights on building a Fintech fund and why Canada is primed for fintech growth.


]]> In this episode of Fintech Layer Cake, Reggie Young speaks with Tal Schwartz, founder of the Canadian Fintech Newsletter and Exit North Ventures. Together, they explore the Canadian fintech ecosystem, comparing it with the U.S., discussing unique market dynamics, and highlighting opportunities in embedded finance and regulatory innovation. Tal also shares insights on building a Fintech fund and why Canada is primed for fintech growth.


]]> Lithic Buzzsprout-16226165 Thu, 05 Dec 2024 08:00:00 -0500 1585 2 32 full false Money 20/20 Money 20/20 In this episode, Reggie Young unpacks the latest insights from Money 20/20 in Las Vegas. From the rise of AI in compliance and cross-border payments to the evolving challenges in sponsor banking, Reggie dives into key trends shaping fintech. Tune in to hear his reflections and predictions on the future of financial technology and how companies are adapting in a tough regulatory landscape.

]]> In this episode, Reggie Young unpacks the latest insights from Money 20/20 in Las Vegas. From the rise of AI in compliance and cross-border payments to the evolving challenges in sponsor banking, Reggie dives into key trends shaping fintech. Tune in to hear his reflections and predictions on the future of financial technology and how companies are adapting in a tough regulatory landscape.

]]> Lithic Buzzsprout-16060024 Thu, 07 Nov 2024 08:00:00 -0500 341 2 31 full false Crash Course in Sponsor Bank MSAs with Andrew Grant Crash Course in Sponsor Bank MSAs with Andrew Grant In this episode of Fintech Layer Cake, Reggie Young presents a crash course on Sponsor Bank MSAs (Master Services Agreements) with Andrew Grant, co-founder of The Runway Group. 

They unpack the complexities of these critical agreements, discuss the latest trends in regulatory expectations, and highlight key strategies for founders and operators to navigate sponsor-bank relationships effectively.


]]> In this episode of Fintech Layer Cake, Reggie Young presents a crash course on Sponsor Bank MSAs (Master Services Agreements) with Andrew Grant, co-founder of The Runway Group. 

They unpack the complexities of these critical agreements, discuss the latest trends in regulatory expectations, and highlight key strategies for founders and operators to navigate sponsor-bank relationships effectively.


]]> Lithic Buzzsprout-15924627 Thu, 17 Oct 2024 08:00:00 -0400 2592 2 30 full false Discover and Google Lessons, and Recent Compliance Trends with Zarik Khan Discover and Google Lessons, and Recent Compliance Trends with Zarik Khan In this episode of Fintech Layer Cake, host Reggie Young speaks with Zarik Khan, Head of Compliance Testing at Flex, about the critical role of compliance in fintech companies and how it impacts long-term sustainability and growth.

Zarik shares his unique insights gained from his extensive career at major organizations like Discover and Google, and now a compliance leader at Flex. They delve into effective compliance strategies, the evolving fintech landscape, and the potential implications of major industry deals like the Discover and Capital One merger.

This conversation is packed with practical advice and thought-provoking insights for fintech leaders and compliance professionals.


]]> In this episode of Fintech Layer Cake, host Reggie Young speaks with Zarik Khan, Head of Compliance Testing at Flex, about the critical role of compliance in fintech companies and how it impacts long-term sustainability and growth.

Zarik shares his unique insights gained from his extensive career at major organizations like Discover and Google, and now a compliance leader at Flex. They delve into effective compliance strategies, the evolving fintech landscape, and the potential implications of major industry deals like the Discover and Capital One merger.

This conversation is packed with practical advice and thought-provoking insights for fintech leaders and compliance professionals.


]]> Lithic Buzzsprout-15856786 Thu, 03 Oct 2024 08:00:00 -0400 3389 2 29 full false Navigating Net Interest Margins and Fintech Partnerships with Saira Rahman Navigating Net Interest Margins and Fintech Partnerships with Saira Rahman In this episode of Fintech Layer Cake, host Reggie Young talks with Saira Rahman, VP of New Investor Initiatives at Fundrise, about the intricate world of net interest margins, the importance of strategic bank partnerships, and the evolving landscape of fintech.

Saira shares her unique insights from her experiences at both traditional banks and fintech startups, offering practical advice for navigating the complex intersection of banking and technology. Whether you're in fintech or banking, this episode will provide you with actionable insights to refine your strategies.

Tune in to learn why more bank partners aren't always better and how interest rates impact fintechs and banks alike.


]]> In this episode of Fintech Layer Cake, host Reggie Young talks with Saira Rahman, VP of New Investor Initiatives at Fundrise, about the intricate world of net interest margins, the importance of strategic bank partnerships, and the evolving landscape of fintech.

Saira shares her unique insights from her experiences at both traditional banks and fintech startups, offering practical advice for navigating the complex intersection of banking and technology. Whether you're in fintech or banking, this episode will provide you with actionable insights to refine your strategies.

Tune in to learn why more bank partners aren't always better and how interest rates impact fintechs and banks alike.


]]> Lithic Buzzsprout-15719464 Thu, 12 Sep 2024 08:00:00 -0400 2346 2 28 full false The Ghost of Fintech Future: Fraud, UK Fintech Lessons, and Sardine Insights with Simon Taylor of Sardine The Ghost of Fintech Future: Fraud, UK Fintech Lessons, and Sardine Insights with Simon Taylor of Sardine In this episode of Fintech Layer Cake, host Reggie Young sits down with Simon Taylor, Head of Strategy and Content at Sardine, renowned author of the Fintech Brainfood newsletter, and host of the Fintech Brainfood podcast.

Dubbed the "Ghost of Fintech Future," Simon shares his insights on the evolving landscape of fintech, lessons learned from the UK's fintech scene, and the growing threat of fraud in financial services.

They discuss how Sardine is tackling these challenges with innovative fraud detection techniques and the personal story that drives Simon's passion for financial security. This episode is packed with forward-thinking perspectives, practical strategies, and a look into the future of fintech.


]]> In this episode of Fintech Layer Cake, host Reggie Young sits down with Simon Taylor, Head of Strategy and Content at Sardine, renowned author of the Fintech Brainfood newsletter, and host of the Fintech Brainfood podcast.

Dubbed the "Ghost of Fintech Future," Simon shares his insights on the evolving landscape of fintech, lessons learned from the UK's fintech scene, and the growing threat of fraud in financial services.

They discuss how Sardine is tackling these challenges with innovative fraud detection techniques and the personal story that drives Simon's passion for financial security. This episode is packed with forward-thinking perspectives, practical strategies, and a look into the future of fintech.


]]> Lithic Buzzsprout-15662214 Thu, 29 Aug 2024 09:00:00 -0400 2683 2 27 full false Climate Fintech with Atmos co-founder Ravi Mikkelsen Climate Fintech with Atmos co-founder Ravi Mikkelsen In this episode of Fintech Layer Cake, host Reggie Young is joined by Ravi Mikkelsen, co-founder and CEO of Atmos.

Ravi shares his journey from engineering in the climate and clean energy sector to founding Atmos, a company that blends climate tech with fintech to create sustainable banking solutions.

Delve into Atmos' unique dual-product strategy, which empowers consumers and banks alike to drive positive climate impact. Discover how Atmos leverages bank deposits for clean energy financing and how it navigates the complex landscape of regulatory compliance and customer acquisition.


]]> In this episode of Fintech Layer Cake, host Reggie Young is joined by Ravi Mikkelsen, co-founder and CEO of Atmos.

Ravi shares his journey from engineering in the climate and clean energy sector to founding Atmos, a company that blends climate tech with fintech to create sustainable banking solutions.

Delve into Atmos' unique dual-product strategy, which empowers consumers and banks alike to drive positive climate impact. Discover how Atmos leverages bank deposits for clean energy financing and how it navigates the complex landscape of regulatory compliance and customer acquisition.


]]> Lithic Buzzsprout-15588838 Thu, 15 Aug 2024 11:00:00 -0400 2092 2 26 full false Legal Ops and RegTech Lessons with Faraz Rana, former CLO of Bread Legal Ops and RegTech Lessons with Faraz Rana, former CLO of Bread In this episode of FinTech Layer Cake, host Reggie Young chats with Faraz Rana, founder and CEO of Affinity.

Faraz shares his journey from being an M&A lawyer to becoming the Chief Legal Officer at Bread and eventually founding Affinity. He discusses the challenges of transitioning from big law to a startup environment, the nuances of the BNPL (Buy Now Pay Later) space, and the importance of compliance in FinTech. Faraz also dives into the concept of compliance co-pilots using generative AI and the future of RegTech.


]]> In this episode of FinTech Layer Cake, host Reggie Young chats with Faraz Rana, founder and CEO of Affinity.

Faraz shares his journey from being an M&A lawyer to becoming the Chief Legal Officer at Bread and eventually founding Affinity. He discusses the challenges of transitioning from big law to a startup environment, the nuances of the BNPL (Buy Now Pay Later) space, and the importance of compliance in FinTech. Faraz also dives into the concept of compliance co-pilots using generative AI and the future of RegTech.


]]> Lithic Buzzsprout-15513360 Thu, 01 Aug 2024 08:00:00 -0400 2657 2 25 full false Lithic’s 10-Year Anniversary Episode: Insights from the Co-Founders Lithic’s 10-Year Anniversary Episode: Insights from the Co-Founders 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.


]]> 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.


]]> Lithic Buzzsprout-15394165 Mon, 15 Jul 2024 08:00:00 -0400 2058 2 24 full false Contrarian Takes on Visa Flex, Fintech VC, and more with Lithic's Nikil Konduru Contrarian Takes on Visa Flex, Fintech VC, and more with Lithic's Nikil Konduru 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.


]]> 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.


]]> Lithic Buzzsprout-15392575 Thu, 11 Jul 2024 08:00:00 -0400 1554 2 23 full false Building Strong Fintech Partnerships with Nick Rasines of Column Building Strong Fintech Partnerships with Nick Rasines of Column 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, 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.


]]> Lithic Buzzsprout-15317704 Thu, 27 Jun 2024 08:00:00 -0400 2948 2 22 full false Earned Wage Access and Fintech Policy Primer with Ben LaRocco of EarnIn Earned Wage Access and Fintech Policy Primer with Ben LaRocco of EarnIn 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.


]]> 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.


]]> Lithic Buzzsprout-15156215 Thu, 30 May 2024 08:00:00 -0400 2563 2 21 full false Bank Earnings Takeaways with American Banker Reporter Polo Rocha Bank Earnings Takeaways with American Banker Reporter Polo Rocha This episode of Fintech Layer Cake features host Reggie Young in conversation with Polo Rocha, a reporter at American Banker.

They dive into the current bank earnings season, discussing the financial health of regional banks post-Silicon Valley Bank collapse, key metrics in bank earnings, and overarching trends in the banking industry.

Polo offers expert insights into how public bank disclosures reflect broader trends affecting regional and fintech sponsor banks. The discussion also covers regulatory changes, profitability pressures, and the future challenges banks may face in 2024.


]]> This episode of Fintech Layer Cake features host Reggie Young in conversation with Polo Rocha, a reporter at American Banker.

They dive into the current bank earnings season, discussing the financial health of regional banks post-Silicon Valley Bank collapse, key metrics in bank earnings, and overarching trends in the banking industry.

Polo offers expert insights into how public bank disclosures reflect broader trends affecting regional and fintech sponsor banks. The discussion also covers regulatory changes, profitability pressures, and the future challenges banks may face in 2024.


]]> Lithic Buzzsprout-15075376 Thu, 16 May 2024 08:00:00 -0400 1236 2 20 full false Fleet Card Masterclass with Coast Founder Daniel Simon Fleet Card Masterclass with Coast Founder Daniel Simon In this episode of Fintech Layer Cake, Reggie Young interviews Daniel Simon, Founder of Coast, a modern financial services platform revolutionizing the fleet card industry.

They delve into the complexities of fleet payments and discuss Coast's innovative approach, combining modern technology and customer-centric products to disrupt the traditional fleet card market. Key topics include the technical, regulatory, and operational challenges in fleet payments, Coast's unique solutions, and future trends in the industry.


]]> In this episode of Fintech Layer Cake, Reggie Young interviews Daniel Simon, Founder of Coast, a modern financial services platform revolutionizing the fleet card industry.

They delve into the complexities of fleet payments and discuss Coast's innovative approach, combining modern technology and customer-centric products to disrupt the traditional fleet card market. Key topics include the technical, regulatory, and operational challenges in fleet payments, Coast's unique solutions, and future trends in the industry.


]]> Lithic Buzzsprout-14997028 Thu, 02 May 2024 09:00:00 -0400 3188 2 19 full false Compliance 3.0, the Future of Bank Sponsorship, and Lessons from Monzo with Cable CEO Natasha Vernier Compliance 3.0, the Future of Bank Sponsorship, and Lessons from Monzo with Cable CEO Natasha Vernier In this episode of Fintech Layer Cake, host Reggie Young is joined by Natasha Vernier, CEO and co-founder of Cable, to discuss the future of compliance in the fintech industry, known as "Compliance 3.0."

Natasha shares valuable lessons from her time leading the financial crimes team at Monzo during its hypergrowth phase and provides her perspective on the evolving landscape of bank-fintech partnerships.

The conversation delves into the importance of automated effectiveness testing, the 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 is joined by Natasha Vernier, CEO and co-founder of Cable, to discuss the future of compliance in the fintech industry, known as "Compliance 3.0."

Natasha shares valuable lessons from her time leading the financial crimes team at Monzo during its hypergrowth phase and provides her perspective on the evolving landscape of bank-fintech partnerships.

The conversation delves into the importance of automated effectiveness testing, the challenges of selling fintech solutions to banks, and the potential shift toward embedded finance solutions.


]]> Lithic Buzzsprout-14828035 Thu, 04 Apr 2024 11:00:00 -0400 2344 2 18 full false The Future of Ecommerce Payments with Tandym CTO Sairam Rangachari The Future of Ecommerce Payments with Tandym CTO Sairam Rangachari 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.


]]> 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.


]]> Lithic Buzzsprout-14641556 Thu, 07 Mar 2024 08:00:00 -0500 2291 2 17 full false The Bank Sponsor Crackdown, and Lessons from Stripe and Airwallex with Jas Randhawa The Bank Sponsor Crackdown, and Lessons from Stripe and Airwallex with Jas Randhawa In this episode, host Reggie Young converses with Jas Randhawa, founder of StrategyBRIX, a fintech risk and compliance consultancy.

They delve into Jas' experiences at Stripe and Airwallex, the intricacies of fintech risk and compliance, and how fintechs can safeguard themselves against regulatory scrutiny.

The discussion also covers the evolving landscape of fintech-bank partnerships and the increasing importance of compliance technology.


]]> In this episode, host Reggie Young converses with Jas Randhawa, founder of StrategyBRIX, a fintech risk and compliance consultancy.

They delve into Jas' experiences at Stripe and Airwallex, the intricacies of fintech risk and compliance, and how fintechs can safeguard themselves against regulatory scrutiny.

The discussion also covers the evolving landscape of fintech-bank partnerships and the increasing importance of compliance technology.


]]> Lithic Buzzsprout-14537858 Thu, 22 Feb 2024 08:00:00 -0500 2497 2 16 full false The Bank Sponsor’s POV with Coastal’s Chris Rigoni The Bank Sponsor’s POV with Coastal’s Chris Rigoni In this episode of Fintech Layer Cake, host Reggie Young engages with Chris Rigoni from Coastal Community Bank, exploring the evolving landscape of Banking-as-a-Service (BaaS) and embedded finance.

Chris, with his extensive experience in various financial institutions, delves into the complexities and future potential of fintech partnerships, discussing how these collaborations shape customer experience and bank operations.

This episode also addresses the challenges and opportunities in the fintech space, particularly for community banks embracing technological advancements and innovative partnerships.


]]> In this episode of Fintech Layer Cake, host Reggie Young engages with Chris Rigoni from Coastal Community Bank, exploring the evolving landscape of Banking-as-a-Service (BaaS) and embedded finance.

Chris, with his extensive experience in various financial institutions, delves into the complexities and future potential of fintech partnerships, discussing how these collaborations shape customer experience and bank operations.

This episode also addresses the challenges and opportunities in the fintech space, particularly for community banks embracing technological advancements and innovative partnerships.


]]> Lithic Buzzsprout-14271917 Thu, 11 Jan 2024 08:00:00 -0500 2360 2 15 full false Cards, Real Time Payments, and Credit Trends with Matthew Goldman Cards, Real Time Payments, and Credit Trends with Matthew Goldman Reggie Young sits down with fintech expert Matthew Goldman in a deep dive into the world of card payments, real-time payment systems, and the latest trends in credit cards. With his extensive background in the card space and as the leader of Totavi, a boutique fintech consulting firm, Matthew shares his invaluable insights on the evolution of card products, the impact of regulatory changes, and the future of credit card services. They explore the nuances of banking relationships, fraud management, and the burgeoning field of Credit-Card-as-a-Service, offering listeners a comprehensive understanding of the current state and future prospects of the fintech industry.

Get a 10% discount on Totavi’s Credit-Card-as-a-Service Report with the the following code: layercake.


]]> Reggie Young sits down with fintech expert Matthew Goldman in a deep dive into the world of card payments, real-time payment systems, and the latest trends in credit cards. With his extensive background in the card space and as the leader of Totavi, a boutique fintech consulting firm, Matthew shares his invaluable insights on the evolution of card products, the impact of regulatory changes, and the future of credit card services. They explore the nuances of banking relationships, fraud management, and the burgeoning field of Credit-Card-as-a-Service, offering listeners a comprehensive understanding of the current state and future prospects of the fintech industry.

Get a 10% discount on Totavi’s Credit-Card-as-a-Service Report with the the following code: layercake.


]]> Lithic Buzzsprout-14185967 Thu, 21 Dec 2023 08:00:00 -0500 2984 2 14 full false Public’s COO Stephen Sikes Talks Rising Rate Effects and New Products Public’s COO Stephen Sikes Talks Rising Rate Effects and New Products Reggie Young sits down with Stephen Sikes, COO of Public, as they explore the fintech landscape's evolving dynamics. They discuss the significant effects of rising interest rates on retail investor behavior and delve into Public's innovative product strategy, including the launch of a mobile-first retail bond trading platform. 

Stephen shares thought-provoking perspectives on regulatory challenges, the role of AI in financial services, and the importance of pragmatic incrementalism in achieving meaningful societal and industry-wide progress. 

This episode is a must-listen for anyone keen on understanding the intersection of finance, technology, and user experience.


]]> Reggie Young sits down with Stephen Sikes, COO of Public, as they explore the fintech landscape's evolving dynamics. They discuss the significant effects of rising interest rates on retail investor behavior and delve into Public's innovative product strategy, including the launch of a mobile-first retail bond trading platform. 

Stephen shares thought-provoking perspectives on regulatory challenges, the role of AI in financial services, and the importance of pragmatic incrementalism in achieving meaningful societal and industry-wide progress. 

This episode is a must-listen for anyone keen on understanding the intersection of finance, technology, and user experience.


]]> Lithic Buzzsprout-14092357 Thu, 07 Dec 2023 08:00:00 -0500 3421 2 13 full false Breaking Down the Open Banking Rules with Matt Janiga Breaking Down the Open Banking Rules with Matt Janiga Join host Reggie Young in this episode as he explores open banking insights with Matt Janiga, former Fintech Layer Cake co-host, regulatory expert, and current Legal Counsel at Trustly. Dive into the world of open banking and explore the regulatory landscape, dissecting the Consumer Financial Protection Bureau's (CFPB) proposed rules. Discover the potential impact on competition, data access, and consumer choice in the fintech ecosystem. Whether you're interested in open banking regulations or cutting-edge payment solutions, this episode offers valuable insights into the fintech industry's evolving landscape.


]]> Join host Reggie Young in this episode as he explores open banking insights with Matt Janiga, former Fintech Layer Cake co-host, regulatory expert, and current Legal Counsel at Trustly. Dive into the world of open banking and explore the regulatory landscape, dissecting the Consumer Financial Protection Bureau's (CFPB) proposed rules. Discover the potential impact on competition, data access, and consumer choice in the fintech ecosystem. Whether you're interested in open banking regulations or cutting-edge payment solutions, this episode offers valuable insights into the fintech industry's evolving landscape.


]]> Lithic Buzzsprout-14057961 Thu, 30 Nov 2023 08:00:00 -0500 3388 2 12 full false Alloy’s State of Compliance Report with CEO Tommy Nicholas Alloy’s State of Compliance Report with CEO Tommy Nicholas Join us in this episode of Fintech Layer Cake as Reggie Young delves deep into the world of fintech and compliance automation with Tommy Nicholas, the CEO of Alloy.

Explore the ever-evolving landscape of fraud trends, the hurdles of selling to banks and mature fintechs, and the future prospects of community banks in the US. Gain valuable insights into establishing trust through compliance, navigating the complexities of card-related fraud, and the latest innovations reshaping fintech infrastructure.


]]> Join us in this episode of Fintech Layer Cake as Reggie Young delves deep into the world of fintech and compliance automation with Tommy Nicholas, the CEO of Alloy.

Explore the ever-evolving landscape of fraud trends, the hurdles of selling to banks and mature fintechs, and the future prospects of community banks in the US. Gain valuable insights into establishing trust through compliance, navigating the complexities of card-related fraud, and the latest innovations reshaping fintech infrastructure.


]]> Lithic Buzzsprout-13875110 Thu, 02 Nov 2023 08:00:00 -0400 2521 2 11 full false Unraveling the Complex World of Buy Now Pay Later with Paul Kesserwani Unraveling the Complex World of Buy Now Pay Later with Paul Kesserwani In this episode of Fintech Layer Cake, Paul Kesserwani (Cushion Founder & CEO) sits down with Reggie Young as they dive deep into the intricate dynamics of the Buy Now, Pay Later (BNPL) industry.

They explore its evolution, regulatory frameworks, consumer behavior, and the pivotal role of companies like Cushion in simplifying bill payments and credit building amidst the complexities of BNPL.


]]> In this episode of Fintech Layer Cake, Paul Kesserwani (Cushion Founder & CEO) sits down with Reggie Young as they dive deep into the intricate dynamics of the Buy Now, Pay Later (BNPL) industry.

They explore its evolution, regulatory frameworks, consumer behavior, and the pivotal role of companies like Cushion in simplifying bill payments and credit building amidst the complexities of BNPL.


]]> Lithic Buzzsprout-13803529 Thu, 19 Oct 2023 08:00:00 -0400 2578 2 10 full false Building M1, Growing Consumer Wealth, and Buying a Bank with Brian Barnes Building M1, Growing Consumer Wealth, and Buying a Bank with Brian Barnes Reggie Young & Nikil Konduru sit down with Brian Barnes, Founder & CEO at M1, to take a closer look at the fintech landscape.

From buying a bank, creating a rewards card, and encouraging customer investment, their insights aim to help both consumers and investors in their fintech journey.

]]> Reggie Young & Nikil Konduru sit down with Brian Barnes, Founder & CEO at M1, to take a closer look at the fintech landscape.

From buying a bank, creating a rewards card, and encouraging customer investment, their insights aim to help both consumers and investors in their fintech journey.

]]> Lithic Buzzsprout-13761770 Thu, 12 Oct 2023 08:00:00 -0400 2725 2 9 full false Payroll Payments with Gusto's Jeff Forkan Payroll Payments with Gusto's Jeff Forkan In this episode, Reggie Young and Jeff Forkan of Gusto dive deep into payroll payments.

They share their thoughts about the process, working with sponsor banks, challenges in dealing with taxes, and enhancing cross-border payroll payments and transfers - all while benefiting both companies and employees.


]]> In this episode, Reggie Young and Jeff Forkan of Gusto dive deep into payroll payments.

They share their thoughts about the process, working with sponsor banks, challenges in dealing with taxes, and enhancing cross-border payroll payments and transfers - all while benefiting both companies and employees.


]]> Lithic Buzzsprout-13628877 Thu, 21 Sep 2023 08:00:00 -0400 1899 2 8 full false Digital Wallet Innovation and Adyen Lessons with Sophia Goldberg Digital Wallet Innovation and Adyen Lessons with Sophia Goldberg Reggie Young interviews Sophia Goldberg, the CEO and co-founder of Ansa. Sophia shares her expertise and insights on digital wallets, the future of payment systems, overlooked aspects of the payment process, and how companies could potentially challenge card networks with innovative payment systems.


]]> Reggie Young interviews Sophia Goldberg, the CEO and co-founder of Ansa. Sophia shares her expertise and insights on digital wallets, the future of payment systems, overlooked aspects of the payment process, and how companies could potentially challenge card networks with innovative payment systems.


]]> Lithic Buzzsprout-13417305 Thu, 07 Sep 2023 08:00:00 -0400 2212 2 8 full false AI and Chatbots in Fintech featuring Ron Shevlin and Alan Kaplinsky AI and Chatbots in Fintech featuring Ron Shevlin and Alan Kaplinsky 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.

]]> 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.

]]> Lithic Buzzsprout-13458281 Thu, 24 Aug 2023 08:00:00 -0400 3365 2 7 full false Modern Fraud and Compliance Needs with Soups Ranjan Modern Fraud and Compliance Needs with Soups Ranjan Reggie Young interviews Soups Ranjan, CEO of Sardine. They discuss modern fraud detection tools, emerging fraud patterns, consortiums, and lessons from Soups' time leading risk at Revolut and Coinbase.


]]> Reggie Young interviews Soups Ranjan, CEO of Sardine. They discuss modern fraud detection tools, emerging fraud patterns, consortiums, and lessons from Soups' time leading risk at Revolut and Coinbase.


]]> Lithic Buzzsprout-13417398 Thu, 17 Aug 2023 08:00:00 -0400 2527 2 6 full false Exploring Debt Collection Innovation with Ohad Samet Exploring Debt Collection Innovation with Ohad Samet Reggie Young, with Eduardo Lopez, interview TrueML Co-founder and CEO, Ohad Samet, about debt collection: the problems, the innovations, and the future of the field.


]]> Reggie Young, with Eduardo Lopez, interview TrueML Co-founder and CEO, Ohad Samet, about debt collection: the problems, the innovations, and the future of the field.


]]> Lithic Buzzsprout-13250922 Thu, 20 Jul 2023 09:00:00 -0400 2775 2 4 full false The “New” Bank-Fintech Risk Guidance with Jonah Crane The “New” Bank-Fintech Risk Guidance with Jonah Crane Reggie Young sits down with Jonah Crane, Partner at fintech advisory and investment firm Klaros Groups.

They discuss an incredibly important piece of regulatory guidance that has recently been released, outlining how banks should work with third parties like fintechs and what that means for those in the fintech space.


]]> Reggie Young sits down with Jonah Crane, Partner at fintech advisory and investment firm Klaros Groups.

They discuss an incredibly important piece of regulatory guidance that has recently been released, outlining how banks should work with third parties like fintechs and what that means for those in the fintech space.


]]> Lithic Buzzsprout-13152311 Thu, 06 Jul 2023 09:00:00 -0400 2124 2 3 full false Exploring Spend Management with Thejo Kote Exploring Spend Management with Thejo Kote Reggie Young interviews Thejo Kote, founder and CEO of Airbase. They talk about the current state of spend management (aka expense management), and Thejo’s predictions for the field for the next few years.  


]]> Reggie Young interviews Thejo Kote, founder and CEO of Airbase. They talk about the current state of spend management (aka expense management), and Thejo’s predictions for the field for the next few years.  


]]> Lithic Buzzsprout-13040991 Thu, 15 Jun 2023 08:00:00 -0400 2737 2 2 full false Exploring FDIC and Bank Failures Exploring FDIC and Bank Failures Reggie Young and Alexandra Barrage dive deep into the FDIC’s significance in the financial space of both banks and fintech. 

They talk about the FDIC’s functions, compositions, and scope of authority, while analyzing  how the collapse of Silicon Valley Bank, Signature Bank and First Republic Bank affects fintechs and their relationship with the FDIC. 


]]> Reggie Young and Alexandra Barrage dive deep into the FDIC’s significance in the financial space of both banks and fintech. 

They talk about the FDIC’s functions, compositions, and scope of authority, while analyzing  how the collapse of Silicon Valley Bank, Signature Bank and First Republic Bank affects fintechs and their relationship with the FDIC. 


]]> Lithic Buzzsprout-12925084 Thu, 01 Jun 2023 09:00:00 -0400 3196 2 1 full false Inside Plaid and Open Finance with CEO Zach Perret Inside Plaid and Open Finance with CEO Zach Perret 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.


]]> 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.


]]> Lithic Buzzsprout-12642386 Thu, 13 Apr 2023 08:00:00 -0400 2851 1 15 full false Card Network Dynamics and Utah Fintech Card Network Dynamics and Utah Fintech 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.


]]> 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.


]]> Lithic Buzzsprout-12521568 Thu, 30 Mar 2023 08:00:00 -0400 2721 1 14 full false 2023 Fintech Trends with Alex Johnson and Jason Mikula 2023 Fintech Trends with Alex Johnson and Jason Mikula 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.


]]> 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.


]]> Lithic Buzzsprout-12400763 Thu, 09 Mar 2023 08:00:00 -0500 3738 1 13 full false Fraud & AML Functions with Trisha Kothari Fraud & AML Functions with Trisha Kothari 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. 



]]> 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. 



]]> Lithic Buzzsprout-12311963 Thu, 23 Feb 2023 09:00:00 -0500 2818 1 12 full false Fintech Lending Capital Market Primer Fintech Lending Capital Market Primer 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.


]]> 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.


]]> Lithic Buzzsprout-12213762 Thu, 09 Feb 2023 08:00:00 -0500 4245 1 11 full false Sanctions with Former OFAC Head John Smith Sanctions with Former OFAC Head John Smith 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 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.


]]> Lithic Buzzsprout-11917201 Thu, 22 Dec 2022 08:00:00 -0500 3505 1 10 full false What Bank Partners Want from Fintechs What Bank Partners Want from Fintechs 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 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.


]]> Lithic Buzzsprout-11709754 Fri, 18 Nov 2022 08:00:00 -0500 3056 1 9 full false Ron Shevlin Snarks Up the Cake: Apple Checking, Super Apps and Teen Spirit Ron Shevlin Snarks Up the Cake: Apple Checking, Super Apps and Teen Spirit 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 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.


]]> Lithic Buzzsprout-11530216 Thu, 20 Oct 2022 08:00:00 -0400 3097 1 8 full false Selecting a Bank Partner Selecting a Bank Partner 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 discuss the basics of bank partners. A key feature of fintech, bank partnerships can make or break a fintech company.


]]> Lithic Buzzsprout-11400610 Thu, 06 Oct 2022 08:00:00 -0400 2849 1 7 full false An Insider View of the CFPB (with Manatt) An Insider View of the CFPB (with Manatt) 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.


]]> 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.


]]> Lithic Buzzsprout-11324022 Thu, 15 Sep 2022 08:00:00 -0400 4248 1 6 full false CFPB Primer CFPB Primer Matt and Reggie take a deep dive into why the government was forced to finally create the Consumer Financial Protection Bureau. They discuss how it started, its purpose, the policies it created, and its impact on Fintech.

]]> Matt and Reggie take a deep dive into why the government was forced to finally create the Consumer Financial Protection Bureau. They discuss how it started, its purpose, the policies it created, and its impact on Fintech.

]]> Lithic Buzzsprout-11237945 Thu, 01 Sep 2022 08:00:00 -0400 2134 1 5 full false History of Platform Payments History of Platform Payments In the last decade, the payment processing space exploded onto the scene. 

Join Matt and Reggie as they talk to Jareau Wadé, Chief Growth Officer at Finix and co-founder of Balanced, who’s had a front-row seat right from the start. 


]]> In the last decade, the payment processing space exploded onto the scene. 

Join Matt and Reggie as they talk to Jareau Wadé, Chief Growth Officer at Finix and co-founder of Balanced, who’s had a front-row seat right from the start. 


]]> Lithic Buzzsprout-11149399 Thu, 18 Aug 2022 08:00:00 -0400 3347 1 4 full false Fintech State Regulators Fintech State Regulators In this episode: how fintechs should think about regulators and regulation. There’s a lot of regulatory scrutiny happening now in the BaaS space, so this is a must-listen.

Matt & Reggie discuss regulatory schemes, licensing, and what to do when regulators reach out to you.

]]> In this episode: how fintechs should think about regulators and regulation. There’s a lot of regulatory scrutiny happening now in the BaaS space, so this is a must-listen.

Matt & Reggie discuss regulatory schemes, licensing, and what to do when regulators reach out to you.

]]> Lithic Buzzsprout-10953230 Thu, 14 Jul 2022 09:00:00 -0400 4226 1 3 full false Pain Points in Crypto Infrastructure Pain Points in Crypto Infrastructure Matt and Reggie chat with Sara Xi, Chief Product Officer of Prime Trust. Join us for a deep dive into the crypto infrastructure that covers key building blocks, pain points, and common solutions.


]]> Matt and Reggie chat with Sara Xi, Chief Product Officer of Prime Trust. Join us for a deep dive into the crypto infrastructure that covers key building blocks, pain points, and common solutions.


]]> Lithic Buzzsprout-10869160 Wed, 29 Jun 2022 09:00:00 -0400 2054 1 2 full false Compliance 101 Compliance 101 Matt and Reggie take us through what compliance is and specifically what most Fintechs need to do. They talk about how to build a team, and ways you can leverage technology to keep your headcount needs lower in the compliance space.

]]> Matt and Reggie take us through what compliance is and specifically what most Fintechs need to do. They talk about how to build a team, and ways you can leverage technology to keep your headcount needs lower in the compliance space.

]]> Matt Janiga & Reggie Young Buzzsprout-10744491 Mon, 06 Jun 2022 08:00:00 -0400 2933 1 1 full false