In Control with Natasha Vernier

Will Messina, CEO and co-founder of GrailPay, builds infrastructure and risk decisioning for business payments. He unpacks US payment rails like ACH, wires, RTP/FedNow, and why checks persist. Short takes cover why wires cost so much, how Venmo and Zelle manage instant transfers, and the promise of stablecoins and tokenized deposits for settlement.

Stacy Bishop, former Jack Henry sales lead with 24 years in core banking, explains why legacy cores dominate and how banks manage accounts, compliance, and vendor relationships. She discusses deconversion fees, side cores for BaaS and digital brands, pricing and long contracts, and how regulation and acquisitions keep incumbents in control. The conversation also looks at how banks are starting to innovate alongside legacy systems.

David Jarvis, CEO and co-founder of Griffin, explains why he built a licensed bank to own core infrastructure and control regulatory counterparties. He walks through the licensing journey, why banks burn millions monthly, and the £50M pre-revenue fundraising reality. They also cover core banking tech first steps and how UK payments actually flow.

The In Control podcast explores the finance of everything, through conversations with people who’ve done it, built it, or experienced it firsthand. Join host Natasha Vernier, Founder of Cable, as she sits down with leaders, innovators, and experts across the financial industry to explore how it all really works. The focus is on learning aloud and making complex topics accessible.