🚀 Fintech Interview with Juan, CEO of Clockout 🎤

👋 What do you do?

I’m Juan, Founder & CEO of Clockout! We provide earned wage access (EWA) infrastructure for banks and credit unions—enabling on-demand pay directly within their digital banking apps. No middleman, no delays. 🏦💸⚡

🔮 Focus for 2025

• Expand bank partnerships: Roll out to 4–5 more banks & credit unions
• Deepen integrations: Strengthen infrastructure and collaboration with FI partners 🤝
• Scale planning: Lay groundwork for industry-wide adoption in 2026 🌍

Goal: Make banks & credit unions the primary EWA providers—letting customers access wages from any employer as easily as checking a balance.

💡 One insight most miss

Banks and credit unions hold the trust advantage:

• They already handle direct deposits & payroll transactions
• They can embed EWA for any employer in one app
• This lets them compete head-to-head with standalone fintech EWA services

🤖 Do you use AI? How will it impact your business?

Not yet—but coming soon!
We’ll leverage AI for:

1. Real-time income verification
2. Multi-layered risk profiling
3. Faster approvals (wage advances, loans, overdrafts)

AI-driven insights will let banks offer personalized, data-driven products with the trust and security of a regulated institution.

🎤 Great chatting, Juan! Here’s to an amazing FinTech 2025! 💳⚡

#Fintech #BankingInnovation #DigitalBanking #BankingTechnology #FinancialServices

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