Latest / Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
Why Payment Rails Are the Next Big Fintech Battleground
Episode 117 of Fintech Conversations with Fexingo explores how modern payment infrastructure — the 'rails' moving money between banks — has become the hottest competitive space in fintech. Lucas and Luna break down the shift from legacy ACH and card networks to real-time payment platforms like FedNow and The Clearing House's RTP, and why startups like Stripe, Plaid, and a new generation of 'banking-as-a-service' providers are racing to own the layer. They discuss a specific case: how a regional bank in Ohio used a third-party payment rail to cut settlement times from…
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