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© 2024 Fintech Layer Cake
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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.
33 Episodes
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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 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, 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 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.
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 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.
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 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.
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.
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.
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.
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.
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.
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, 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 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 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 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 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.
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