Rich Wagner is the Founder and CEO of Cashplus Bank, a leading challenger bank in the UK. Rich Wagner has been the CEO of Cashplus for the past 17 years, leading the company from a "fintech before fintech was a thing" to becoming the first bank recently authorized with no restrictions. Under Wagner's leadership, Cashplus has created numerous innovations in the payments market and is one of the few neo-banks that are profitable Before founding Cashplus, Wagner had over 35 years of experience in the payments and banking industry, starting as a customer service advisor at Bank of America and progressing his career in the UK. Cashplus, founded by Wagner, is considered a fintech pioneer for small businesses and the UK's leading challenger bank that has greatly transformed the payments industry. Wagner has shared his insights on the key changes he has seen in the industry, the changes he wishes to see in UK regulations, and the "elephants in the room" that still need addressing in the payments and banking sector