Plaid CTO, Will Robinson: Shaping the future of financial infrastructure, Plaid’s north star metrics, efficient innovation flywheels, and AI
Fintech: Under the HoodShow Notes
If you’ve used a fintech app in the last decade, whether it’s for payments, investing, lending, budgeting, or embedded finance, there’s a good chance Plaid was working quietly in the background. It’s the connective tissue between banks, fintechs, and consumers, powering account connectivity, identity, risk, payments, and the broader open finance ecosystem. Will Robinson, the CTO of Plaid, has been at the forefront of financial data innovation. With a background in tech giants like Google and startups like Coinbase, Will brings a wealth of experience to Plaid, where he leads the engineering vision for one of the most important financial data networks in the world that connects thousands of financial institutions to thousands of fintech applications, managing massive volumes of sensitive financial data, while balancing reliability, security, privacy, and performance at scale. In this episode with Will, we get into Plaid’s architecture, how the platform has evolved beyond aggregation, how they think about data quality and intelligence, how AI is reshaping financial infrastructure, as well as: The 2008 crash sparking curiosity in how FS works and how to make it better Low-coupling, High-Cohesion computer science principles and their importance to fintech Why brownfield development is a lot harder than greenfield dev What the Plaid x Perplexity partnership means for consumers, hobbyists, and innovators The tech metrics Will obsesses over and that are key to Plaid continuing to scale The now staple AI question which touches on their new transaction and behavioural models, the importance of their MCP server, and how Will thinks about Agents using Plaid’s data and services …and so much more. This episode is for you if you…: You’re curious about a CTO’s journey to a world renowned fintech
Want to understand how a fintech CTO thinks about metrics
Want to learn about how Plaid is using AI and how it thinks about the future
If you enjoyed this episode, give it 5 stars, drop a review, and share it with a fintech friend ☺️
More from Fintech: Under the Hood
Richard Davies is the CEO of Allica Bank, ranked the fastest growing UK Fintech by Deloitte in successive years, and it’s a bank built specifically to serve established SMEs, a segment that has long been underserved by both traditional banks and many fintech challengers. In a market where much of fintech focused on consumers, Allica took a different path combining modern technology with relationship banking to build a profitable, fast-growing bank designed around the real operational needs of businesses. Richard is a seasoned fintech and FS leader with experience in senior roles at Barclays and HSBC, as well as exec roles at Oaknorth and Revolut so has experienced both the challenges of trying to bank ESMEs as a traditional provider, as well as seeing how some fintechs overlook the sector. In the full episode with Richard, we get into Allica’s product stack, their mission, the different ways in which AI is transforming how they do things, the importance of relationship banking, as well as: Learnings from those senior roles at traditional banks and challenger fintechs The Kriya acquisition and how Richard and the team approaches build vs buy to fill gaps in their product stack How AI saved Allica millions in unnecessary consultancy fees The interest gap and the “9 billion pounds of interest being missed out on each year by SMEs” Where and how AI is being applied to their product-dev lifecycle and lending journeys Richard’s North Star metric for AllicaThe true impact of SME Lending and Banking services European expansion and testing the US watersHow they are using AI to scale (and reference to the great blog they released recently) …and so much more.
Stablecoins are often talked about as the future of money, but very few companies are actually building the infrastructure that makes them usable, scalable, and relevant for real businesses today. BVNK is one of those companies. In a world where cross-border payments are slow, expensive, and stitched together by legacy rails, BVNK is building the stablecoin-powered financial infrastructure that connects traditional finance with digital asset rails enabling businesses to send, receive, store, convert, earn and spend value globally, in real time. In this episode, I speak with Chris Harmse, Co-founder and CBO at BVNK who sits right at the intersection of product, strategy, and go-to-market for one of the most important infrastructure plays in modern fintech, where we cover: Chris’ journey into payments and stablecoin infrastructure Obtaining a strong foundations in payments from his years on a FX trading desk Stablecoin use cases, including payroll, marketplace payouts The partnership with Visa Direct The role of card issuing in stablecoin adoption The significant spending gap in stablecoin usage Interesting insights from BVNK’s latest Stablecoin Utility Report Key Insights on Blockchain Payments and Compliance …and so much more. This episode is for you if you…: Are curious about a fintech leader’s journey into stablecoin Want to learn about the big unsung use cases Are interested in learning more about the importance of stablecoin infrastructure Want to hear from a leader building the future of money If you enjoyed this episode, give it 5 stars, drop a review, and share it with a fintech friend.☺️
Over the past few years the Middle East has been a hotbed of innovation with fintech at the heart of strategy in the UAE and Saudi. Lean Technologies is a key player in the enablement of innovation in the region and in this episode, I get to speak to someone who has firsthand experience of innovating in the region. In this episode, I speak with Tewfik Cassis, CPO at Lean who spearheads product innovation and strategy for Lean where we cover: Tewfik’s journey from product marketeer to CPO via roles at Rain and Monzo
Payment Services Providers are the invisible force that allow us to safely purchase goods & services online and in-person. Checkout.com who process 10s of billions of these payments monthly has embraced this ‘invisible force’ tag head on. In this episode, I speak to Meron Colbeci, CPO at Checkout.com, former PayPal’er, and a supremely experienced fintech product leader where we cover: Meron’s Rockstar background and journey to Checkout.com, including experience at PayPal and his experience as key part of Facebook’s Project Libra
Hey Fintechers and FIntech Newbies 👋🏽 I’m Jas Shah and I’m really excited to introduce the Fintech: Under the Hood podcast, where I sit down with the people actually building financial services to talk honestly about how fintech really works. Over the next few months I’m releasing one on one interviews with leaders from five major fintechs that power payments, enable stablecoin growth, facilitate global innovation, and much more besides. We get into how they think about the future, how they build and scale products, how they navigate regulation and global expansion, and how they’re approaching the biggest shifts right now: stablecoins and AI. I’m really excited for you to hear these interviews starting with a big one on friday 26th January, so to make sure you get all five episodes, make sure you hit subscribe and drop a like for good measure.