Fintech Layer Cake

Epizódok

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  Webinar: How Fundbox Launched a Loan-to-Card Program in 7 Weeks 11.08.2026 20p

  For most of the history of lending, approval and access were two separate events. A borrower gets approved, then waits days or weeks for an ACH to clear before the money is usable. For small businesses managing tight cash flow, that gap can be the difference between catching an opportunity and missing it. Cards are changing that. When a lender issues a virtual card at the moment of approval, credit becomes spendable right away, with no ACH delay and no separate account. In this webinar,...
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  How a $7B Bank Out-Loaned Chase, and What Fintech Policy Needs Now, with AFC’s Phil Goldfeder 11.08.2026 32p

  Phil Goldfeder runs the American Fintech Council, the trade group representing nearly 170 fintech and banking companies. Before that he advised Chuck Schumer and Michael Bloomberg, served in elected office, and helped steer Cross River through the Paycheck Protection Program, where a bank with six or seven billion dollars in assets made as many loans as Chase and Bank of America. In this episode, Reggie Young talks with Phil about how policy actually gets made and changed. They cover the less...
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  Nobody Loves SWIFT: Payments Inertia and Invisible Crypto Rails with Davi Strazza from Lightspark 28.07.2026 37p

  Davi Strazza spent a decade at Adyen as the company scaled from around $30 billion to over $1.3 trillion in annual payment volume, running Latin America and then North America as president. Today he is Chief Business Officer at Lightspark, the company powering over 15% of Coinbase's Bitcoin transfers. In this episode, Reggie Young talks with Davi about what actually moves enterprise payments decisions. They cover why inertia keeps trillions on legacy rails, how challengers find their wedge ag...
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  A Former Prosecutor on How Fintechs Become Targets, with Laurel Loomis Rimon from Jenner & Block 14.07.2026 26p

  Laurel Loomis Rimon has spent her career on the enforcement side of fintech. As a federal prosecutor she brought the first case against a digital currency company in the US, years before Bitcoin existed. She later served as an assistant deputy enforcement director at the CFPB, and today she co-chairs the fintech and crypto assets practice at Jenner & Block and founded the firm's payments practice. In this episode, Reggie Young talks with Laurel about how enforcement and prosecution of fin...
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  Payments at Square, Etsy, and the Agentic Era, with Drew Edmond, Partner at Glenbrook Partners 07.07.2026 46p

  Drew Edmond has spent 15 years inside payment operations, first at Square from its scrappy hardware days through IPO, then at Etsy running payments across a marketplace with sellers in 230+ countries. Today he advises merchants at Glenbrook Partners and hosts the Payments on Fire podcast. In this episode, Reggie Young sits down with Drew to trace how payments actually work from the operator's seat. They cover what changes when a payment goes card not present, the data and testing work most me...
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  From Fannie Mae's first PM to Pathward Innovation with Suhas Reddy 18.06.2026 25p

  What if millions of Americans had already proven they could handle a mortgage payment — and the system simply refused to count it? Reggie sits down with Suhas Reddy, Head of Product at Pathward Bank, to unpack what it really means to build product inside the most regulated corners of financial services. Suhas was among the early product leaders at Fannie Mae, driving the Lighthouse Project that later transformed one of the world's largest secondary mortgage institutions into a customer-centri...
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  Escheatment Primer + Innovation with Eisen CEO Allen Osgood 28.05.2026 27p

  What if every dormant account in your fintech is a ticking compliance clock — and you didn't know the timer started three years ago? Host Reggie Young sits down with Allen Osgood, CEO and co-founder of Eisen, the company modernising escheatment — the process by which dormant accounts and abandoned funds get transferred to state governments. It's an obscure corner of financial compliance that touches every bank, fintech, brokerage, and increasingly every crypto platform. More than one in seven...
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  Why Credit Cards Are Hard with Scott Bass from Ensemblex 14.05.2026 19p

  What if the decision that kills your lending business is one you made six months ago — and you just don’t know it yet? Host Reggie Young sits down with Scott Bass, Managing Director at Ensemblex, the fintech lending and credit consultancy. Scott brings a rare combination of perspectives: he helped build Capital One’s data-driven credit operation before it was a household name and was one of the first two Americans hired to launch Monzo’s US business. Scott and Reggie cover what Capital One ac...
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  The Future of Payments is Agentic and Tokenized, with Basis Theory CEO Colin Luce and CTO James Armstead 30.04.2026 40p

  The payments industry spent years turning tokenization into a business tool for lock-in. So what does it mean that the same technology might now hold the key to making agentic payments actually work? Reggie Young sits down with Basis Theory’s Co-founder and CEO, Colin Luce, and CTO, James Armstead — the team behind the programmable token vault platform that has quietly become central to the agentic payments conversation. Colin and James break down what tokenization really is, how it was co-op...
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  Building the Modern Tax Engine with Gavin Nachbar, Column Tax co-founder and Aiwyn CPO 16.04.2026 23p

  If AI is about to transform tax filing, why do 55% of Americans still trust a human to do it for them? In this episode, host Reggie Young sits down with Gavin Nachbar, founder of Column Tax and Chief Product Officer at Aiwyn, to unpack what it really takes to build in one of fintech’s most complex and overlooked spaces: tax filing. Gavin shares how Column Tax built the first modern embedded tax engine in the US, what AI is about to change for the 55% who still rely on a human preparer, and wh...
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  Simon Taylor on Where Agentic Spend is Going 02.04.2026 26p

  Will stablecoins replace cards — or is that narrative missing how payments actually work? In this episode, Reggie Young sits down with Simon Taylor, founder of Fintech Brainfood and Head of Market Development at Tempo, to unpack one of the most debated topics in fintech: agentic commerce. Simon challenges the idea that stablecoins will displace card networks, explaining why cards don’t move money, how stablecoins actually fit into the stack, and why virtual cards may be the first real payment...
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  A Primer on US Fintech Expansion with Klaros' Andy Kampf 12.03.2026 22p

  What actually breaks when a fintech expands to the U.S. — product, licensing, hiring, or assumptions? In this episode, host Reggie Young sits down with Andy Kampf, Partner at Klaros Group and former Klarna US legal lead, to unpack the real framework behind cross-border fintech expansion. Andy breaks down the four pillars every foreign fintech must get right — product, bank partnerships, hiring, and budget — and the hidden pitfalls that derail U.S. launches. From misconceptions about European ...
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  Middesk CEO Kyle Mack on AI, Good Data, and Business Onboarding in 2026 24.02.2026 34p

  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...
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  Reducing Oversight Costs for Fintechs and Banks with Narrative CEO Gokul Dhingra 29.01.2026 26p

  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...
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  2025 Cards Year in Review with Matthew Goldman 04.12.2025 28p

  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...
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  Sarah Wilson, Circle's General Counsel, on the IPO Process, GENIUS Act, and More 20.11.2025 19p

  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...
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  AI Adoption Survey and Fintech Trends with Jas Randhawa 06.11.2025 34p

  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 t...
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  MTLs and Money Transmission Primer with Evan Minsberg 23.10.2025 28p

  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. ...
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  Imprint CTO Will Larson on Fintech Engineering Strategy 09.10.2025 42p

  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...
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  Fixing SMB Cash Flow with Ariel Blum, Founder of Receive 25.09.2025 34p

  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...