Railsbank is the pioneer and innovator in the global Banking as a Platform (BaaP) sector, enabling banks, businesses, and brands to define the future of consumer and SME finance. Currently, Railsbank is live and enabling customers in the UK, Europe, SE Asia, and the US. The Railsbank platform enables marketers, product managers, developers to take their financial product vision and rapidly prototype, launch and scale their vision using its open finance platform, financial operations, regulatory licensing, and rich set of APIs. Dov Marmor joins me on the podcast to talk about banking as a service and its next frontier, credit as a service. We discuss the difficulties of building credit cards for fintechs and new use cases that credit card as a service could unlock. We also talk about why building on a platform is a faster way to test ideas, get market feedback, and build a unique value proposition using a standardized set of tools. Dov Marmor has led two of the top FinTech platform businesses in banking and international payments. Formerly GM and Head of BaaS at Green Dot, Dov grew that business 3X over 2.5 years, launching enterprise programs including Intuit TurboCard, Uber Debit/Money, Stash Banking, Wealthfront Debit, and many others. Prior to that, he launched the US business of Currencycloud, building over 20 new programs and expanding the teams and operational processes for scale.