The card space (both debit and credit) has seen tremendous innovation over the last decade. Use cases that were inconceivable 10 years ago are now commonplace due to the steady march of fintech innovation. The company that has been at the very center of these developments is Marqeta. They have basically invented a new category of fintech, what they call "modern card issuing".My next guest on the Fintech One-on-One podcast is Randy Kern, the CTO of Marqeta. He has had a career in enterprise tech, outside of finance, so he brings a fresh perspective to fintech. We delve deeply into the technology that is behind one of the most innovative companies in all of fintech.In this podcast you will learn:What attracted Randy to the CTO position at Marqeta.How he describes modern card issuing.Some of the use cases of their card technology.Their role in the Uber ProCard that was recently announced.How Randy's background in enterprise tech helps him at Marqeta.A great analogy on the growth of embedded finance.How Marqeta thinks of embedded finance.How the growth of digital wallets is being fueled by Marqeta.Why tokenization of cards is the key to better security.How they are helping small business lenders today.How open APIs help speed the development of fintech products.The challenges of running a tech company across multiple geographies.What Randy is excited about for the future of Marqeta and fintech in general.Connect with Randy on LinkedInConnect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes