Drew W Edwards

Founder & CEO of @ingopayments

[Drew W Edwards @PK_Drew]

Payouts Replace Paychecks in Banking’s Next Big Shift - https://t.co/PHID3SIybf

[Ingo Payments @IngoPayments]

Our Chief Revenue Officer Lydia Inboden just made the Top 25 Leaders in Payments list 🎉

Our CEO Drew Edwards said it best:

"Lydia is one of the smartest people I know in payments. Her impact on me and our company continues to amaze me day after day."

From revolutionizing our sales strategy to pioneering new approaches in enterprise money mobility, Lydia has been transformative for both Ingo and the broader embedded finance industry.

This recognition is incredibly well-deserved. Congrats, Lydia!

[Drew W Edwards @PK_Drew]

Bank-Fintech Partnerships done right, are magical.

[Ingo Payments @IngoPayments]

🚨 BREAKING: Ingo's President & COO is taking the stage at Money20/20

Our President & COO Rusty Pickering is speaking at #Money2020 on why fintech-bank partnerships need a complete rethink.

The team's topic: "Why the 'Fintech-Bank Partnership' was Doomed Before it Started"

→ When: Monday, Oct 27 | 3:35-4:05 PM
→ Where: Converge Stage, Money Hall
→ Topic: The truth about bank-fintech collaboration

Joining forces with:

→ Sara K. Weed, Gibson Dunn
→ Joel Sherwin, Galileo Financial Technologies
→ Moderated by Jason Mikula, Fintech Business Weekly

What they'll unpack:

◦ Why traditional bank/fintech "partnerships" aren't working
◦ The real friction points nobody talks about
◦ How to build sustainable collaborations that last

With 25 years powering money movement for America's biggest brands, Rusty & our team knows what it takes to make bank-fintech relationships work.

Can't make it? Follow our page & Rusty for more payments & fintech insights.

[Ingo Payments @IngoPayments]

Ingo x Kickfin

Sharing a few details about one of our clients, Kickfin. Here's more about the co. and what they're doing in fintech:

Kickfin calculates tip pools and pays teams in real time, with integrations into industry-leading point of sale systems (Toast, Square, and more) for automated tip calculations. Our team and tech at Ingo supports them by powering cashless tip-outs that go to employees using their tech, backed by policy controls and reporting managers can trust.

"Ingo's partnership has been integral to Kickfin's growth story, and we look forward to continuing our work together as we raise the standard for frontline pay," said Justin Roberts, Co-CEO, Kickfin

The impact from our work together:

– Workers who rely on tips no longer wait days for their earnings. Teams get funds in under 30 minutes - on weekends, holidays (like the Labor Day Weekend we just had), whenever shifts end.

– For restaurant operators, this means they can eliminate cash-handling costs and reduce turnover in an industry where 70% of worker income comes from tips.

And there’s serious scale behind this work too. To date. Kickfin has facilitated $2B (and counting) in payouts to restaurant employees.

If you're building workforce payouts, Ingo helps wire up the complete stack - rails for instant disbursements, compliance rules that protect your platform, and data paths that connect everything from POS to payout. Because when 80% of today’s ‘gig-generation’ workers live paycheck to paycheck and want their money fast, waiting for tips is a barrier to financial stability.

Big shoutout to the Kickfin team for revolutionizing how service workers get paid in the USA today. We're proud to power the infrastructure that helps you deliver instant financial payouts and relief to teams across the country.

Here's to making every shift end better than it started.

[Ingo Payments @IngoPayments]

Ingo x Self Financial, Inc.

Big news! We’re partnering with @SelfCreditApp to power Self Cash, their new earned wage access (EWA) feature.

More on why their product and new feature matters, below:

[Ingo Payments @IngoPayments]

What do you call waiting two weeks for a paycheck in 2025?

Ancient history 🏛️

Our new report just revealed something fascinating: instant payouts are not only changing how we get paid – they're completely redefining what a paycheck actually means. Gotta hand it to Gen Z, they saw this coming years ago.

Here's the headline number that made us do a double-take:

– 45% of Gen Z consumers now use instant payments more than ANY other disbursement method

That's nearly half of an entire generation that's essentially opted out of traditional payment rails. For them, T+2 settlement might as well be carrier pigeon.

But this isn't only about young people being impatient (despite what this social media manager's parents might say about them). The data reveals a fundamental shift in payments infrastructure. For gig and service workers, instant has become essential:

– 21% of recipients depend on instant transfers as their PRIMARY income source
– 20% rely on tips as core cash flow – all expecting real-time settlement
– Traditional biweekly ACH? Completely inadequate for their liquidity needs

The willingness-to-pay data is where it gets really interesting; people who depend on instant disbursements are 60% willing to pay fees for immediate access. That's 4X higher than occasional users. Translation: When instant payments ARE your payroll infrastructure, waiting isn't only inconvenient anymore...

It's untenable.

What started as a nice-to-have feature has evolved into critical financial infrastructure for millions of Americans. The real-time economy is here. Is your payments stack ready?

📊 Get the full report linked below.

[Drew W Edwards @PK_Drew]

Instant Payouts Become the New Paycheck in a Real-Time Economy - https://t.co/a0UGxgZ9oa

[Ingo Payments @IngoPayments]

Beam our funds up, Scotty 🚀 🪐

Remember when we thought teleportation would be about beaming ourselves from place to place?

Turns out, we got it half right.

Teleportation is here — we're just teleporting money instead of people. And the honest truth in our new payments data shows your customers are pretty thrilled about it.

Our latest research, below, captures this reality shift:

❇️ 38% already receiving instant disbursements (bye bye, "2-3 business days")
❇️ Nearly half of borrowing and income payouts now arrive instantly
❇️ 1 in 4 need their money in 30 minutes or less
❇️ 35% want funds straight to their bank — and Zelle/push-to-debit users are 3X more likely to be instant regulars

The future we imagined is here. Just not how we expected.

While we're still stuck in traffic, at least our money can beam from point A to point B instantly.

Welcome to the age of financial teleportation ✨

Full report link in the next post.

[Ingo Payments @IngoPayments]

Stuck between sidecar, middleware, and above-core?

Lisa McFarland, Ingo’s CPO, just decoded every core-ledger path in one practical guide.

From instant payouts to audit-proof crypto ledgers, she unpacks the trade-offs and hands you a decision tree you can steal for tomorrow’s stand-up.

If faster launches with fewer compliance headaches are on your sprint board, hit the link and get moving.

🔗 “Building on Bedrock: A Practical Guide to Core & Ledger Choices in Embedded Banking”

https://t.co/6T5cKUjSxT

[Drew W Edwards @PK_Drew]

Thanks to the best team in the business and I’m grateful to be a part of it !

[Ingo Payments @IngoPayments]

🏆 Big win. Bigger momentum.

Ingo just took home “Best Embedded Payments Solution” at the 2025 BankingTech Awards USA - and we’re proud to see our full-stack approach recognized at a time when embedded banking is hitting an inflection point.

Most providers still rely on third parties to stitch together compliance, risk, payments, and front-end experiences. We built the Ingo Modern Money Stack to eliminate that fragmentation - owning the ledger, risk engine, orchestration layer, and user experiences so our partners can move faster with fewer compromises.

🟢 Real-time money movement
🟢 Bank-grade cloud ledger
🟢 Multi-rail payouts
🟢 AI-driven fraud scoring
🟢 No-code to API integrations

This award validates what our clients already know: when you control the stack, you can deliver speed and safety. Without compromise.

We’re not slowing down. Embedded banking is evolving, and the Ingo team is building what comes next.

See what makes our platform different in a new blog from our CEO Drew Edwards:

https://t.co/oxQ3FQLLZW

[Ingo Payments @IngoPayments]

Banking Core keeping you up at night?

Your product team wants instant payouts and virtual cards live before the holidays.

You sketch three boxes:

✅ Legacy Core
✅ Sidecar
✅ Middleware

Your next decision locks in your launch speed, compliance exposure, and every future sprint. 

[Drew W Edwards @PK_Drew]

This is great! Handling complicated and highly regulated payments has always been a sweet spot for Ingo and this kind of discussion is critical at this moment in time. Exciting !

[Ingo Payments @IngoPayments]

What do DMVs, unclaimed funds, and digital wallets have in common?

Lisa Gordon McFarland's about to break it down at National Association of State Treasurers.

Next week, Ingo’s Chief Product Officer will join leaders from @KeyBank and @Mastercard for a panel on how public sector agencies can modernize their disbursement strategies without losing sight of control, compliance, or consumer trust.

Titled “Payment Innovation in the Public Sector: Enhancing Optionality, Efficiency and Security,” Lisa's session will explore how emerging technologies are giving state treasurers and public institutions the tools to deliver faster, safer, more flexible payments.

Think check alternatives with real-time options and built-in risk protection.

If you’re heading to hashtag#NAST2025, don’t miss it.

[Drew W Edwards @PK_Drew]

@IngoPayments @keybank @Mastercard This is great! Handling complicated and highly regulated payments has always been a sweet spot for Ingo and this kind of discussion is critical at this moment in time. Exciting !

[Drew W Edwards @PK_Drew]

1.2 million Americans gave their lives for our freedom and our liberties and our way of life. Close your eyes and say a prayer today for these brave souls that sacrificed it all for us.

[Ingo Payments @IngoPayments]

Today, we pause to honor the brave men and women who gave their lives in service to our country.

With gratitude and remembrance.

From all of us at Ingo.

#MemorialDay

[Drew W Edwards @PK_Drew]

Having started my career in the community banking sector I’m amped to share some of what we know about patterships between community #banks and #fintechs. The landscape is definitely in “reset mode” and “re-calibration mode” and that means opportunity, with caution.

See everyone in Boca.

[Ingo Payments @IngoPayments]

Bankers, builders, and big ideas are all headed to Boca.

Say that 5x fast.

Ingo is heading to @AmerBanker's Digital Banking 2025 from June 1–4, where top fintechs, banks, and platforms are coming together to talk innovation, compliance, and the next chapter of embedded banking.

If you’re attending, come meet the Ingo team:

🟢 Drew Edwards (@PK_Drew), CEO
— Moderating a can’t-miss panel with leaders from @keybank and Pathward on how banks can win in embedded finance while keeping trust and compliance front and center.

🟢 Anita Hayrapetian, VP of Sales
— Talking to fintechs, banks, and platforms about how to go to market faster—with less risk and more support.

🟢 Sammy Rivera, VP of Strategic Partnerships
— Exploring new partnerships and how Ingo can help power real-time money movement and embedded banking at scale.

📍 Find us June 1–4 at The Boca Raton
🗓 Catch Drew’s panel live on June 3 @ 9:30am

Let’s connect if you’re building what’s next in digital banking.

[Drew W Edwards @PK_Drew]

94% of consumers are MOST SATISFIED when given #choices for receiving their money. No one “rail” is the end all solution. People have issues with authentication on a single choice for various reasons. People don’t always want there money to “move” to the same account or card or wallet they want to choose

[Ingo Payments @IngoPayments]

In 2018, instant payments were a nice-to-have. Fast forward to today?

They’ve become the norm.

The shift reflects not just changing preferences around money movement, but real financial needs. For many Americans, instant access to funds makes everyday life easier to manage: paying a bill on time, filling up the gas tank, or buying groceries without waiting for a Friday deposit.

And now, we can quantify just how widespread that shift is.

In a brand new report we published, we found that 41% of U.S. consumers now use instant methods to receive disbursements most often — up from just 11% in 2018.

And momentum is only building. More data shows:

🟢 37% of people receiving $500–$1,000 are willing to pay a fee for immediate access
🟢 89% of instant-preferring consumers choose push-to-debit
🟢 94% report high satisfaction when given choice in how they get paid

What was once a premium perk offered by new fintech entrants is now table stakes for embedded finance operators. And the savvy builders that get this are already rethinking their disbursement strategies.

If you’re looking to understand what’s driving this shift — and what’s coming next — check out our latest deep dive with @PYMNTS, part of a multi-year series trusted by fintech leaders across the industry:

“The State of Digital Disbursements: Why Consumers Prefer Instant Payments.”

Based on 42,000+ consumer responses across 7 years, our latest report breaks down the data, trends, and expectations shaping the future of payouts.

Follow the link in comments to download ⬇️

[Ingo Payments @IngoPayments]

Money moves fast. Your inbox should keep up.

Subscribe to our monthly newsletter 'The Money Mobility Memo' and catch Ingo’s sharpest takes on embedded banking.

We cover:

🟢 Big wins – April’s issue announced Ingo as a Banking Tech Awards USA finalist for Best Embedded Payments Solution

🟢 New partners – Our issuer-processing deal with @Marqeta opens up next-gen funding, transfers, and payouts

🟢 Data that matters – Instant disbursements now make up 38 % of all business payouts (and climbing)

🟢 Fresh thinking – CEO Drew Edwards breaks down how branded accounts turn cost centers into profit engines

🟢 Where to meet us – From FinovateSpring to American Banker Digital Banking, see where we’ll be on stage next

May’s edition drops soon—don’t miss it.

[Ingo Payments @IngoPayments]

💚 Instant is table stakes.

Today, 38% of consumer disbursements land in real time—a 10x growth in eight years.

Swipe through the proof points straight from our brand-new PYMNTS × Ingo study, and why they belong on every fintech builder’s roadmap:

1️⃣ Choice drives delight. When users can pick their rail—RTP, FedNow, PayPal/Venmo, push-to-debit, ACH—79 % rate the experience “highly satisfactory,” an 18-point lift over non-instant payouts.

2️⃣ Choice drives loyalty. Across every demo, 56% actively choose instant the moment it’s offered—up 19% year-over-year.

3️⃣ Choice drives revenue. Speed has a price tag: 64% of heavy instant users will pay a premium when funds are needed urgently.

Multiple instant payout options are certainly a UX upgrade for users. But importantly, they’re a growth lever for businesses. Happier customers stick around, transact more often, and prove they’ll pay for speed when urgency strikes.

🔗 Want the full story?

Download the PYMNTS × Ingo report “Digital Transformation & Instant Payments Fuel Business Disbursement Efficiency" (Link in the comments).

Build smarter. Ship faster. Give users the freedom to move money their way—and watch loyalty compound.

[Drew W Edwards @PK_Drew]

If you're a #bank or a #fintech looking to partner to generate #deposits and new accounts and money flows beyond your local footprint, this session is for you

[Ingo Payments @IngoPayments]

Innovation compounds faster than interest when banks and fintechs sync up 🔗

Catch , our CEO & Founder, moderating “The Future of Bank-Fintech Collaboration” at @AmerBanker's DIGITAL BANKING Event in early June.

Catch our CEO & Founder, @PK_Drew, moderating “The Future of Bank-Fintech Collaboration” at @AmerBanker's DIGITAL BANKING conference this June alongside leaders from @keybank and Pathward.

Here's what’s on the table:

✅ Real-world lessons from KeyBank and Pathward on scaling embedded banking and Banking-as-a-Service

✅ Frameworks that turn bank-fintech partnerships into revenue engines—governance, risk alignment, and speed-to-market tested

✅ Build, buy, or partner? How to choose the right rails (and roles) without derailing customer experience

✅ A look ahead: data-driven personalization, instant money movement, and the tech stack that ties it all together

Swing by, grab a seat, and bring your questions. We’ll be charting the future together.

[Ingo Payments @IngoPayments]

💼 Rusty’s packing compliance manuals and dad jokes. NYC, you’ve been warned.

Catch our President & COO, Rusty Pickering, at the 29th Annual Legal, Regulatory and Compliance Forum on FinTech & Emerging Payment Systems on May 13 at 9:30 AM.

He’ll be breaking down what it really takes to build compliant, scalable payment infrastructure in a world where the rules change faster than the tech.

📍 New York City
🗓️ May 13 | 9:30 AM
🎟️ Check the agenda