Fintech Expertise
Beyond the Arc makes complex fintech easier to buy. We sharpen strategy, tighten messaging, and create content that earns trust and moves buyers to decision. We know fintech infrastructure from payments and lending to risk, AI, and embedded finance. We’ve worked with 3 of the Top 5 U.S. banks and fintech startups from bootstrapped to Series E.
Fintech Clients
Clients choose Beyond the Arc for deep fintech expertise across banking, payments, lending, AI, and the infrastructure behind modern financial products.
Authentic8: A cybersecurity company providing secure browsing and digital investigation platforms for enterprises and government agencies.
BAI (Bank Administration Institute, recently renamed ProSight): A nonprofit organization offering training, research, and insights for financial services professionals.
Bankjoy: A digital banking platform offering online and mobile banking solutions for community banks and credit unions.
Bankpoint: A cloud-based lending and relationship management platform designed for banks and commercial lenders.
BizFi: A digital small business financing platform that provided online access to loans and other funding solutions.
eGain: A provider of AI-powered customer engagement solutions used by financial institutions and contact centers.
Finovate: A leading fintech conference brand where banks, credit unions, fintechs, and investors come to see innovation in action. As AI becomes a defining theme across fintech, the Finovate platform is increasingly focused on topics like agentic AI, embedded finance, digital banking, payments, fraud, and regulation.
Galileo Technologies: A fintech infrastructure platform providing APIs that power digital banking and financial services applications.
GDSlink: A provider of credit risk decisioning and analytics solutions for lenders and financial services organizations.
KlearCapital: A fintech platform focused on supply chain finance, helping businesses improve cash flow, manage working capital, and unlock liquidity.
OnDot: A fintech provider of digital card services and mobile banking solutions that enhance customer control and security.
PayNearMe: A payments platform enabling businesses to accept and manage digital and in-person payments.
Silicon Valley Bank: Supports fintech innovators with embedded finance and payment solutions, plus deep banking expertise across the broader innovation ecosystem.
Vendini: A ticketing, marketing, and analytics platform used by live event organizations and performing arts venues.
Wells Fargo: Supports fintechs and startups with open banking APIs, specialized tech banking, and financing.
Zeta: A fintech platform providing modern core banking, credit card processing, and digital banking infrastructure.
Speaking Events, Industry Meetings & Podcasts
Steven Ramirez, CEO of Beyond the Arc, is a frequent voice at fintech conferences, industry gatherings, and podcasts, including events such as Finovate, Fintech Meetup, and FintechTalks. Through keynote presentations, panel discussions, industry debates, and podcast conversations, he shares perspectives on fintech innovation, payments, digital banking, and AI. He also actively engages with fintech leaders at major forums such as Money20/20, contributing to the conversations shaping the future of financial services. His insights draw on Beyond the Arc’s work with banks, fintechs, and financial services organizations.
Speaking Engagements & Industry Meetings
2026
| Event | Role | Description |
|---|---|---|
| Money20/20 October 18-21, 2026 Las Vegas, NV | Executive meetings on payments, AI, and financial services strategy | Beyond the Arc will meet with senior leaders across fintech, payments, and banking at Money20/20 to explore how embedded finance, instant payments, and AI are reshaping business models across financial services. Discussions will focus on the strategic and operational decisions institutions will face as they adapt to faster payments, smarter customer engagement, and a more connected commerce ecosystem. |
| FinovateFall September 9-11, 2026 New York, NY | Speaker on fintech strategy; video host | At FinovateFall, Steven Ramirez will share Beyond the Arc’s perspective on the forces that will define fintech’s next chapter and will host video interviews with industry leaders throughout the event. Conversations will examine digital banking strategy, platform innovation, competitive disruption, and the practical ways financial institutions will apply AI to improve growth, efficiency, and customer experience. |
| FinovateSpring May 5-7, 2026 San Diego, CA | Session moderator; video host | Beyond the Arc took an active role at FinovateSpring by moderating discussions on the main stage and hosting video conversations with fintech executives and innovators. The focus was on the ideas and priorities gaining momentum across financial services, including digital experience, emerging technologies, product innovation, and the strategies institutions will use to strengthen relevance and growth. |
| Fintech Meetup March 30-April 1, 2026 Las Vegas, NV | Executive meetings on partnerships, growth, and innovation | At Fintech Meetup, Beyond the Arc met with fintech, banking, and payments leaders to discuss partnership opportunities, growth strategy, and the innovation priorities shaping the market. Conversations centered on how organizations will work together to modernize customer experiences, accelerate product development, and respond to the evolving role of AI and ecosystem collaboration in financial services. |
2025
| Event | Role | Description |
|---|---|---|
| Money20/20 October 26-29, 2025 Las Vegas, NV | Executive meetings on payments, AI, and financial services innovation | Beyond the Arc met with leaders from fintech, banking, and payments at Money20/20 to discuss the forces reshaping financial services. Conversations focused on embedded payments, AI, and instant payments, and on how these developments were influencing strategy, customer experience, and growth across the industry. |
| FinovateFall September 8-10, 2025 New York, NY | Power Panel: Delivering Omni-Channel CX | At FinovateFall, Beyond the Arc joined a featured Power Panel on delivering stronger omni-channel customer experiences in banking. The discussion explored how financial institutions can better connect digital capabilities with human interactions to build trust, improve service, and create more seamless customer journeys. |
| FinovateSpring May 7-9, 2025 San Diego, CA | Power Panels on deposit growth and customer experience | At FinovateSpring, Beyond the Arc contributed to panel discussions on deposit strategy and omni-channel customer experience. The sessions examined how banks can deepen customer engagement, support growth, and compete more effectively through more integrated and customer-centered banking experiences. |
| Fintech Meetup March 10-13, 2025 Las Vegas, NV | On-stage participation, panel discussion, and executive meetings | At Fintech Meetup, Steven Ramirez represented Beyond the Arc on stage and in conversations with industry leaders across fintech and financial services. Discussions explored market dynamics, innovation priorities, and the growing role of AI in shaping products, operations, and competitive positioning. |
Podcasts & Media Interviews
| Podcasts & Media Interviews | Episode / Topic | Description |
|---|---|---|
| American Bankers | How Bank of America’s Erica does the work of 11,000 people | An analysis of how Bank of America’s AI-powered virtual assistant, Erica, is scaling customer engagement by handling millions of interactions and performing work equivalent to thousands of employees. The article highlights how targeted AI applications are improving efficiency, streamlining operations, and enhancing the digital banking experience at scale. |
| ‘Chaotic web’ of tech keeps bank fraud victims in limbo | An examination of how fragmented banking systems and disconnected technologies can delay fraud resolution, leaving victims stuck between institutions and unable to recover funds quickly. The article highlights how gaps in communication, data sharing, and accountability across banks, fintech platforms, and payment networks are complicating fraud response and eroding customer trust. | |
| BAI | Trillions in wealth is changing hands. How should banks capitalize? | A Q&A featuring Beyond the Arc CEO Steven Ramirez on how banks can capitalize on the generational transfer of trillions of dollars in wealth from Baby Boomers to younger, digital-first customers. The discussion explores how shifting customer expectations, data-driven insights, and personalized engagement strategies are critical for banks looking to retain deposits, strengthen relationships, and compete in a rapidly evolving financial landscape. |
| BAI Executive Report: Strategies for customer growth, deposits & retention | A BAI Executive Report on strategies for customer growth, deposits, and retention, featuring insights from Beyond the Arc CEO Steven Ramirez on the generational wealth transfer and its impact on banking strategy. The report highlights how banks can compete more effectively by focusing on digital-first customer experiences, personalized engagement, and long-term relationship building rather than short-term rate competition. | |
| Getting ready for the largest wealth transfer ever | A BAI Banking Strategies podcast featuring Beyond the Arc CEO Steven Ramirez on the largest generational wealth transfer in history and what it means for banks. The discussion explores how financial institutions must adapt their strategies to attract and retain younger, digital-first customers through personalized experiences, stronger data insights, and more effective relationship management. | |
| Bankadelic: The colorful side of finance | LIVE FROM MONEY 20/20 EPISODE 10: MEETING AI’S HOPE AND HYPE WITH IA (INNOVATION ACUITY) | A live episode from Money20/20 featuring Beyond the Arc CEO Steven Ramirez, who shares his perspective on separating the hype from the real opportunities in AI for financial services. The discussion explores practical applications of AI in banking, including improving compliance processes, balancing speed with accuracy, and the evolving role of technologies like blockchain in shaping the future of finance. |
| EPISODE 185: HARD TRUTHS FOR THE BANKING BUSINESS IN 2025 | A Bankadelic podcast episode featuring Beyond the Arc CEO Steven Ramirez, who shares candid insights on the challenges facing banks in 2025, from talent acquisition to rising competition from neobanks. The discussion explores how financial institutions must move beyond complacency to deliver stronger customer experiences, adapt to changing workforce expectations, and compete more effectively in an increasingly digital and competitive landscape. | |
| EPISODE 184: MAKING WAY FOR M&A | A Bankadelic podcast episode featuring Beyond the Arc CEO Steven Ramirez, who discusses the evolving mergers and acquisitions landscape in financial services amid economic uncertainty. The conversation explores how banks and credit unions can use M&A to strengthen competitive positioning, expand customer reach, and leverage AI-driven innovation to drive future growth. | |
| Banking Transformed Podcast with Jim Marous | Communication Strategies to Navigate a Banking Crisis | A Banking Transformed podcast episode featuring Beyond the Arc CEO Steven Ramirez on how financial institutions should communicate during periods of economic uncertainty and banking instability. The discussion explores how banks and credit unions can build trust, retain customers, and strengthen their brand by providing timely, transparent, and actionable communication that supports both customers and employees during times of crisis. |
| bobsguide | How Beyond the Arc, Inc. is Helping Financial Institutions Execute AI-Driven Innovation | A Fintech Meetup insights feature highlighting how Beyond the Arc helps financial institutions execute AI-driven innovation through practical, results-oriented strategies. The article explores how banks can move beyond experimentation to deploy AI in ways that improve customer experience, streamline operations, and deliver measurable business impact in an increasingly competitive financial services landscape. |
| Breaking Banks | Finovate: Past, Present and Future | |
| Financial Brand | New Best Practices in Crisis Management: Beyond the Arc’s Steven Ramirez | A Q&A with Beyond the Arc CEO Steven Ramirez on best practices for crisis communication in financial services, focusing on how banks can build and maintain customer trust during periods of instability. The discussion highlights the importance of proactive planning, real-time response, and consistent messaging across channels, as well as the growing impact of social media on how quickly crises unfold and how institutions must respond. |
| Finopotamus | Fintech Meetup 2026: Scaling Innovation and the Real-Time Member Experience | At Fintech Meetup in March, Finopotamus met with several strategists and innovators to discuss how ecosystem participation and modernized payment rails are defining the next era of financial services. Beyond the Arc CEO Steven Ramirez discussed how financial institutions can drive better engagement by refining their go-to-market (GTM) strategy, particularly in the commercial and small business sectors. He suggested that success in the current market depends less on having a unique product set and more on the ability to differentiate the delivery for specific member segments. |
| Why They Came: The Voices of Fintech Meetup 2025 | A Finopotamus feature capturing insights from fintech leaders at Fintech Meetup 2025, including Beyond the Arc CEO Steven Ramirez, on what’s driving innovation and collaboration across financial services. The article highlights how industry participants are prioritizing partnerships, product development, and real-world application of emerging technologies like AI to accelerate growth and strengthen competitive positioning. | |
| Finovate | Chris Nichols on Transforming Payments with Stablecoins and Tokenized Deposits | This Finovate video examines how stablecoins and tokenized deposits are reshaping the future of payments, with a focus on the opportunities emerging for banks and financial institutions. The discussion highlights how tokenization, agentic AI, and programmable money could enable faster settlement, new treasury management models, improved customer engagement, and new revenue streams as financial services organizations modernize payment infrastructure. |
| Fintech in 2025: an end of year review, and a look forward to 2026. | A Finovate podcast episode featuring Beyond the Arc CEO Steven Ramirez, who reflects on the key trends shaping fintech in 2025 and what lies ahead for 2026. The discussion explores the evolution of fintech partnerships, regulatory and compliance challenges, and the growing importance of customer-centric strategies, as well as the expanding role of AI, instant payments, and embedded finance in driving innovation across financial services. | |
| The Streams of FinovateSpring: AI, Banking, CX, Payments, and Lending | A Finovate feature outlining the key content streams at FinovateSpring, including AI, customer experience, payments, and lending, with Beyond the Arc CEO Steven Ramirez moderating a panel on delivering stronger omni-channel customer experiences. The article highlights how financial institutions are using emerging technologies and integrated strategies to modernize operations, improve customer engagement, and stay competitive in a rapidly evolving fintech landscape. | |
| Streamly Fintech Insights: Embedded Finance and the Power of Strategic Partnerships | A Finovate Streamly feature exploring the growing role of embedded finance and strategic partnerships in driving innovation across financial services, including insights from Beyond the Arc CEO Steven Ramirez on reimagining the customer experience. The discussion highlights how banks and fintechs are leveraging collaboration, platform integration, and emerging technologies to enhance customer engagement and unlock new growth opportunities. | |
| Financial challenges in the fintech ecosystem: How is the industry adapting? | A Streamly Fintech Insights discussion examining the key challenges facing the fintech ecosystem, including profitability pressures, regulatory complexity, and shifting market dynamics. Featuring perspectives from industry leaders including Beyond the Arc CEO Steven Ramirez, the conversation explores how financial institutions and fintechs are adapting through more disciplined growth strategies, stronger partnerships, and a focus on sustainable innovation. | |
| Fintech Futures | FinovateSpring 2024: Rethinking customer experience and boosting diversity in financial services | A FinTech Futures recap of FinovateSpring 2024 highlighting key discussions on customer experience, diversity, and innovation in financial services, including a panel hosted by Beyond the Arc CEO Steven Ramirez on reimagining customer experience. The article explores how banks are balancing digital engagement with human interaction while adapting to rising expectations for personalization, inclusion, and seamless omni-channel experiences. |
| FintechTalk | FintechTalk: Signal Over Noise the 2025-2026 Fintech Transition | A FintechTalk roundtable featuring Beyond the Arc CEO Steven Ramirez alongside industry experts, exploring the transition from 2025 to 2026 in fintech and financial services. The discussion examines emerging trends such as agentic banking, embedded finance, stablecoins, and AI-driven innovation, while highlighting how banks and fintechs are evolving toward more customer-centric, partnership-driven models in a rapidly changing financial ecosystem. |
| One Vision | What does it take for your financial brand to go beyond the arc? | A Financial Brand Q&A featuring Beyond the Arc CEO Steven Ramirez on best practices for crisis communication in financial services, with a focus on building trust through empathy, transparency, and timely engagement. The discussion highlights how banks can prepare for disruption, align messaging across channels, and equip internal teams to guide customers effectively during periods of uncertainty. |
| Talking Biz News | Bankadelic podcast: In a topsy-turvy economy, making way for M&A | A Bankadelic podcast episode featuring Beyond the Arc CEO Steven Ramirez and Joe Sullivan on how financial institutions are navigating mergers and acquisitions in a volatile economic environment. The discussion explores why M&A activity remains strong despite market uncertainty, and how banks can use acquisitions, AI, and strategic positioning to expand customer reach and strengthen competitive advantage. |
| The BIGCast | Have Your Bot Call My Bot | A fintech podcast episode featuring Beyond the Arc CEO Steven Ramirez and Elias Kruger, recapping key insights from FinovateSpring in San Diego. The discussion explores emerging trends such as agentic AI, evolving payment innovation, and the broader forces shaping financial services, including rapid developments in crypto and new market entrants. The episode highlights how these shifts are influencing strategy, competition, and innovation across the fintech ecosystem. |
| The Community Bank | Recapping Money 20/20 with Steven Ramirez | A Community Bank Podcast episode featuring Beyond the Arc CEO Steven Ramirez, recapping key takeaways from Money20/20 and what they mean for banks heading into 2026. The discussion explores emerging trends such as stablecoins, fraud prevention, and AI, and how financial institutions can adapt their strategies to address evolving risks, technologies, and customer expectations. |
| How Banks can Market Payments and Treasury Management with Steven Ramirez | A Community Bank Podcast episode featuring Beyond the Arc CEO Steven Ramirez, discussing how banks can more effectively market payments and treasury management services in a rapidly evolving financial landscape. The conversation explores best practices for B2B payments strategy, including focusing on client needs, leveraging AI-driven insights, and positioning banks as trusted advisors to drive growth and deepen commercial relationships. |
Beyond the Arc’s Fintech Insights & Industry Analysis
Beyond the Tech: 5 Positioning Essentials for Fintech Marketing
Beyond the Arc shares five positioning essentials that help fintech companies make complex solutions easier to understand, trust, and buy. Drawing on experience across fintech infrastructure, the insights show how clear positioning, role-specific messaging, and buyer-aligned content can connect technical capabilities to business value and accelerate decision-making.
Embedded Fintech: Strategies to Enhance Customer Engagement and Boost Sales
Beyond the Arc outlines practical strategies for marketing embedded fintech in ways that increase customer engagement and support revenue growth. Focused on embedded finance, payments, and financial services integration, this piece shows how to translate technical capabilities into clear business outcomes that resonate with buyers and drive adoption.
B2B Payments Marketing Strategies: 4 Lessons from 2025 Client Wins for Banks and Fintechs
Beyond the Arc shares four lessons from 2025 client wins on how banks and fintechs can position B2B payments offerings more effectively. The post explores how to move beyond feature-led messaging, tailor value propositions for distinct buyer groups, and use customer proof to build trust—helping payments providers turn innovation into buyer confidence and commercial momentum.
Marketing Instant Payments: How Banks and Credit Unions Can Differentiate
Beyond the Arc explains how banks and credit unions can differentiate instant payments offerings in a market where
speed is quickly becoming table stakes. Drawing on experience in payments and financial services, the article focuses on messaging that moves beyond technical features to highlight real-world use cases, customer value, and the strategic role of faster payments
Embedded B2B Payments – How Bank-Fintech Alliances Can Drive Success
Beyond the Arc explores how bank-fintech partnerships can unlock growth in embedded B2B payments. This piece highlights how aligned strategy, clearer messaging, and stronger go-to-market execution can help partners communicate value, build trust with buyers, and bring
embedded payments solutions to market more effectively.
Fintech Case Studies
Case studies from Beyond the Arc’s work with fintech and banking clients, including eGain and PayNearMe, across payments, treasury management, digital banking, customer engagement, and AI.
PayNearMe: Fintech Payments Platform Growth
Fintech payments platform supporting lenders, billers, iGaming operators, and government agencies.
PayNearMe needed to increase engagement with lenders that were hesitant to replace legacy payment systems and create more urgency around modernization.
Developed a fintech thought leadership program focused on payments modernization, lender education, and legacy-system replacement. The program produced more than 80 content assets designed to support awareness, consideration, and sales conversations.
Delivered 80+ content assets and increased blog traffic by 20%, and expanded PayNearMe’s content engine with 70% more market-ready assets and supporting customer growth.
eGain Case Study: Launching an AI Banking Platform
eGain is a fintech provider of AI-powered digital customer engagement solutions for banks and credit unions.
The company needed to launch a new AI platform and demonstrate the value of digital customer engagement and call center optimization to banking decision-makers.
Developed thought leadership articles and white papers to clarify the platform’s capabilities, strengthen launch messaging, and educate target banking audiences.
The content helped position eGain’s AI platform for banking buyers and supported lead generation efforts.
Beyond the Arc has worked with fintech clients for more than 20 years. We have delivered more than 200 fintech projects, taken part in more than 50 fintech industry events, worked with 3 of the Top 5 U.S. banks, and supported fintech startups from bootstrapped companies to Series E companies.
Beyond the Arc helps fintech companies use content strategically to build momentum with the right decision-makers. We develop thought leadership, sales enablement, case studies, white papers, event content, and campaign assets that clarify business value, address buyer priorities, and move prospects toward action.
Beyond the Arc has expertise across the fintech and financial services ecosystem, including banking, payments, lending, AI, embedded finance, digital banking, customer engagement, risk and compliance, treasury management, and the infrastructure behind modern financial products.
Beyond the Arc helps fintech companies turn complex products into clear, compelling stories that buyers understand, trust, and act on. We sharpen strategy, positioning, and messaging, then create buyer-focused content and go-to-market assets that help fintechs differentiate, build credibility, and move prospects toward decision.