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.
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41:06
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.
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37:40
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.
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30:08
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.
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36:29
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.
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.
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