This Week in Fintech
This Week in Fintech
This Week In Fintech
Nico Simko on Building Clair, Embedded Earned Wage Access and the Future of Payroll
42 minutes Posted Aug 28, 2026 at 10:00 am.
Founder Story And Credit Friction
Visa Pitch And The Neobank Start
Clare’s Earned Wage Access Strategy
Why The Pivot Beat Neobank Dreams
Compliance Moat With Pathward Bank
Partner Platforms And User Behavior
The Hidden Complexity Under Earned Wage Access
Bigger Picture And What Comes Next
Profitable Growth And Final Takeaways
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Show notes
Presented by Clair. What if the best financial product is the one users never have to go looking for? In this episode of This Week in Fintech, Clair founder Nico Simko joins us to explain how a personal frustration with the US credit system turned into a profitable earned wage access business serving hundreds of thousands of businesses. Nico talks about Clair’s evolution from digital bank to embedded financial infrastructure, and why the company ultimately decided to work through payroll and...