In this episode Justin sits down with Nico Simko, the dynamic CEO and co-founder of Clair, a trailblazing company set on revolutionizing on-demand payroll. Nico shares an inspiring narrative from his beginnings as an economics tutor to spearheading a fintech powerhouse. We uncover how Clair smartly embeds on-demand pay within HR platforms, bypassing the conventional approach of targeting employers or employees directly. Nico also articulates the challenging yet rewarding journey of building Clair into a secure and compliant fintech solution, highlighting the crucial art of maintaining focus and discerning when to say no.As we explore the intricacies of Earned Wage Access (EWA) services, Nico offers candid insights into navigating the intricate regulatory maze. We dive deep into the significance of foresight in compliance and how strategic partnerships bolster Clair's success amidst evolving financial regulations. Nico's vision stretches beyond the present, painting a picture of a generational fintech company that could redefine employer-linked financial services. This episode is packed with wisdom for entrepreneurs eager to grasp fintech opportunities, and we wrap up with a teaser for our next episode featuring an innovator making strides in the pet tech world.