Everyone launching a card product is presented with the same fundamental question at the beginning of their journey: Will you go with a full program manager, or will you take the direct-to-bank route?

Our customers are increasingly exploring the integration of AI-powered workflows with payment capabilities - what the industry now calls agentic payments. Lithic's virtual cards are designed with the intelligence and security controls needed for these autonomous spending decisions, making this new frontier both accessible and secure.

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.

Robin Gandhi and Will Wissing of Lithic join Scott Johnson and Colton Pond of LoanPro to dive into the challenges of launching successful credit card programs. They unpack why many fail, highlighting the need to understand market demands, attract customers, and balance lending with usage.

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.

We're excited to announce that the Lithic Authorization Rules product is now available directly in the Lithic Dashboard.

Reaching $1 billion in monthly total processing volume (TPV) for the first time this past November 2024 is a milestone that marks more than just numbers—it tells the story of perseverance, adaptability, and lessons learned over the past decade.

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.

Card authorization - the process of approving or declining card transactions - is at the heart of any card program.

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.

Veritex Community Bank is known for its personalized approach to banking, specializing in serving small- and mid-sized businesses—a demographic often overlooked by national banks.

Card payments involve four key players: the acquirer (who enables merchants to accept card payments), the card network (like Visa or Mastercard, who operate the payment scheme), the processor (who handles the technical aspects of card management), and the issuer (who provides cards to consumers).

Payment testing proactively identifies potential payment failures by simulating various payment scenarios.

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 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.

Discover Commercial Revolving Credit: Build compliant, flexible, and scalable business credit card programs. Configure APRs, automate payments, and manage credit limits with our modern ledger technology.

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.