Direct deposit is not flashy, but it changes the economics of an account overnight.

In this episode, Scott Weinert, co-founder and CTO of Atomic, shares how financial institutions are increasing profitability through seamless payroll connectivity, payment switching, and merchant integrations. He also discusses governance, transparency, and the responsibility fintechs carry when handling consumer permission data.

This conversation connects infrastructure decisions to real outcomes for banks, fintechs, and the people they serve.