🚀 Fintech Interview: Joanne Modugno-Inologik

Head of Partnerships, North America – Leading Expense Management Platform 🎤

👋 Tell us about yourself & your company

I’m Head of Partnerships for North America at a 30-year-old expense management software company. We started in Australia, expanded through the UK and Europe, and now help banks and fintechs streamline spend in North America. We also integrate with accounting and HRIS/payroll systems to scale our platform.

🏦 Use cases for banks & payments companies

• Commercial card programs: Banks issue co-branded cards to business clients
• Value-add service: Real-time expense reconciliation drives loyalty and stickiness
• Revenue impact: Increased card transactions boost bank revenue
• Employee spend control: Company debit cards feed into policy-driven approvals and reporting

🔮 Key trends for 2025

1. Expense management as a priority
   • Over 50% of businesses now rank spend control among their top initiatives
2. Embedded payments & virtual cards
   • Tokenization and in-platform payment solutions are driving seamless workflows

💡 Insider insight

Compliance isn’t just a checkbox—it must be built front and center:

• Empower employees with clear spend policies before they transact
• Proactive guidance reduces manual approvals and post-spend corrections
• Embedding compliance in your platform helps the business manage costs and risks

🎤 Thanks for joining us! Here’s to a groundbreaking FinTech 2025! 🚀

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