Welcome to the Tearsheet Podcast. I'm Zack Miller.

International payments and money transfer firms are among the first of this generation's fintech leaders. But even if they offer white-label or API solutions, companies like TransferWise are typically strongly focused on an end customer. Currencycloud takes a different approach, helping other fintechs, community banks and other FIs to offer international payments and FX. Standard Bank, Monese, Starling Bank, Klarna and Travelex are all customers.

Currencycloud Co-founder Richard Arundel moved to the US a couple of years ago to spearhead the UK firm's expansion. We talk about the nature of different geographies approach to fintech and how big tech payment solutions are the biggest threat to banks and fintechs alike.

Richard Arundel is my guest today on the Tearsheet Podcast.