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Artwork for Fintech Layer Cake

Fintech Layer Cake

Lithic
Fintech
Agentic Payments
Open Banking
Visa
AI Agents
Credit Cards
Compliance
Tokenization Framework
Artificial Intelligence
Anti-Money Laundering (AML)
Know Your Customer (KYC)
Stable Coins
Regulatory Compliance
Sardine
Real-Time Payments
Embedded Finance
Taktile
Lithic
Partnerships
Fintech Regulation

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.

PublishesTwice monthlyEpisodes76Founded4 years ago
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Technology

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Artwork for Fintech Layer Cake

Latest Episodes

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 i... more

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 — th... more

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 bri... more

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-fou... more

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Recent Guests

Allen Osgood
CEO and founder of Aisen, an achievement platform
Aisen
Episode: Escheatment Primer + Innovation with Eisen CEO Allen Osgood
Scott Bass
Managing Director at Ensemblex, Fintech Lending and Credit Consultancy
Ensemblex
Episode: Why Credit Cards Are Hard with Scott Bass from Ensemblex
Colin Luce
CEO and co-founder of Basis Theory
Basis Theory
Episode: The Future of Payments is Agentic and Tokenized, with Basis Theory CEO Colin Luce and CTO James Armstead
James Armstead
CTO of Basis Theory
Basis Theory
Episode: The Future of Payments is Agentic and Tokenized, with Basis Theory CEO Colin Luce and CTO James Armstead
Gavin Nachbar
Founder of Column Tax, now Chief Product Officer at Aiwyn
Aiwyn / Column Tax
Episode: Building the Modern Tax Engine with Gavin Nachbar, Column Tax co-founder and Aiwyn CPO
Simon Taylor
Founder of Fintech Brainfood and head of market development at Tempo
Tempo; Fintech Brainfood
Episode: Simon Taylor on Where Agentic Spend is Going
Andy Kampf
Partner at Klaros Group; former Klarna executive focused on US product legal and regulatory strategy
Klaros Group / Klaros
Episode: A Primer on US Fintech Expansion with Klaros' Andy Kampf
Kyle Mack
CEO of Middesk
Middesk
Episode: Middesk CEO Kyle Mack on AI, Good Data, and Business Onboarding in 2026
Gokul Dhingra
CEO and co-founder of Narrative
Narrative
Episode: Reducing Oversight Costs for Fintechs and Banks with Narrative CEO Gokul Dhingra

Host

Reggie Young
Host of Fintech Layer Cake; frequently discusses fintech strategy, lending, and payments with practitioner guests.

Reviews

5.0 out of 5 stars from 41 ratings
  • Great fintech and card issuing content

    I regularly listen to Fintech Layer Cake because they get great guests that are building interesting things. Reggie does a fantastic job getting insights from builders and operators, and I always learn something new I can apply in my day-to-day work.

    Apple Podcasts
    5
    Regulatory Nerd
    United States2 years ago
  • Ton of compliance knowledge

    Love how they explain compliance program expectations by stage and offer practical advice for smaller startups that aren’t ready for all the bells and whistles just yet. They are very knowledgeable and love the rapport they have with each other!

    Apple Podcasts
    5
    tomplease nomorequotes
    United States4 years ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Practical, compliance-focused knowledge appreciated by startups.
Hosts build rapport and translate complex topics into actionable takeaways.
Great fintech and card issuing content with insightful guests.

Chart Rankings

How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.

Apple Podcasts
#85
Netherlands/Technology

Talking Points

Recent interactions between the hosts and their guests.

The Future of Payments is Agentic and Tokenized, with Basis Theory CEO Colin Luce and CTO James Armstead
Q: What are the main choke points today for an AI agent executing a payment, and how does tokenization help?
The main choke points include merchant readiness to accept agent-initiated transactions, identifying agent intent, and real-time authorization. Tokenization can help by enabling encrypted or privacy-preserving data exchanges, including agent identity and authorization signals, within existing card rails and networks, reducing exposure and enabling smarter, monitored transactions.
The Future of Payments is Agentic and Tokenized, with Basis Theory CEO Colin Luce and CTO James Armstead
Q: How do you see agentic payments changing the current payments landscape in the next few years?
Agentic payments will expand from a vision of autonomous agents transacting on behalf of people to a more nuanced system where agents act with explicit user-approved prompts and provenance. The emphasis will be on secure data sharing, smart authorization, and reducing fraud through better intent verification and token-level metadata.
The Future of Payments is Agentic and Tokenized, with Basis Theory CEO Colin Luce and CTO James Armstead
Q: Can you explain tokenization in simple terms and what problem Basis Theory is solving?
Tokenization is a data security mechanism that replaces sensitive data with non-sensitive placeholders, enabling secure data handling and easier integration across networks. Basis Theory aims to create a standardized protocol or spec so that different networks can interoperate, reducing lock-in and enabling secure, extensible token data that can include identity and intent for agentic scenarios.
Why Credit Cards Are Hard with Scott Bass from Ensemblex
Q: What is the job of a Chief Risk Officer from your view, and how do you help fintechs shape their risk policies?
The Chief Risk Officer helps shape or modify credit policies to fit the market opportunity, translating market realities into product risk settings, and guiding organizations on how to balance risk with growth by building robust, data-informed underwriting and governance frameworks.
Why Credit Cards Are Hard with Scott Bass from Ensemblex
Q: What was that experience like working on a nuclear power submarine, and what would surprise folks about that job?
It was a very natural transition in risk management; the submarine world emphasized disciplined risk controls, structure, and a strong insistence on understanding the full scope of safety and operational risk, which translates well to managing risk in financial services and lending products.

Audience Metrics

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Frequently Asked Questions About Fintech Layer Cake

What is Fintech Layer Cake about and what kind of topics does it cover?

This show spotlights the intersection of fintech, card programs, and regulatory topics through interviews with industry practitioners, executives, and technologists. Episodes frequently explore lending, tokenization, compliance, data integrity, and go-to-market strategy for fintechs, often featuring hands-on lessons from building or scaling payment rails, card programs, and embedded finance. A standout trait is the mix of practitioner storytelling and practical frameworks, with guests ranging from CEOs and CTOs to general counsels and regulatory experts. The format tends to balance technical depth with real-world business implications, making it valuable for operators, product leaders, and strategic decision-makers exploring payments, compl... more

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1. The a16z Show
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How many episodes of Fintech Layer Cake are there?

Fintech Layer Cake launched 4 years ago and published 76 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on Fintech Layer Cake?

Recent guests on Fintech Layer Cake include:

1. Allen Osgood
2. Scott Bass
3. Colin Luce
4. James Armstead
5. Gavin Nachbar
6. Simon Taylor
7. Andy Kampf
8. Kyle Mack

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