Rethinking Credit, Cashflow and Access in the Modern Workforce

How we spend, save, and borrow is changing—and fast.

​Join Nico Simko (CEO & Co-founder of Clair), Alex Kostecki (Co-founder of Clair), and Daniel Seder (COO of Bilt Rewards) for a live taping of the HR Tech Trailblazers podcast during NY FinTech Week.

​In this conversation, we’ll explore how two fintech companies are reshaping consumer access to credit, liquidity, and long-term financial stability—starting from very different entry points: rent and wages.

​We’ll cover:

• ​Why traditional credit scoring and lending models are failing the modern workforce
• ​How products like Earned Wage Access and rent-based rewards are making finance more inclusive
• ​What it takes to embed financial tools where consumers already live—whether that’s payroll apps or real estate platforms
• ​How partnerships and distribution models are changing in embedded finance

​Whether you’re building in HR tech, embedded fintech, or just interested in the future of credit and cashflow—this conversation will be one to catch live.