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This Week in Fintech

Nico Simko on Building Clair, Embedded Earned Wage Access and the Future of Payroll

August 28, 2026·44 min
Episode Description from the Publisher

Presented by Clair. What if the best financial product is the one users never have to go looking for? In this episode of This Week in Fintech, Clair founder Nico Simko joins us to explain how a personal frustration with the US credit system turned into a profitable earned wage access business serving hundreds of thousands of businesses. Nico talks about Clair’s evolution from digital bank to embedded financial infrastructure, and why the company ultimately decided to work through payroll and...

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