FinovateSpring Best of Show Winner Clockout on the benefits of earned-wage-access for community FI’s.

Episode notes

In this episode of the Finovate podcast, host Greg Palmer sits down with Juan Jurado-Blanco, Founder and CEO, and Armando Quintana, Chief Revenue Officer of Clockout, a Best of Show winner at FinovateSpring 2026 in San Diego. The conversation explores Clockout's innovative white-labeled earned wage access (EWA) solution designed specifically for community banks and credit unions. With seven in ten Americans living paycheck to paycheck, Clockout addresses a critical financial wellness need by enabling customers to access their earned wages the same day they work, rather than waiting for traditional bi-weekly pay cycles. The platform embeds seamlessly within existing digital banking experiences, integrating with major core providers like Q2, Jack Henry's Banno, and Alchemy, ensuring institutions can offer this service without requiring customers to use standalone apps or third-party accounts. Juan and Armando discuss what sets Clockout apart from competitors in the EWA space, emphasizing their compliance-by-design approach that uses real-time income data rather than AI predictions or analytics to compute available wages.

• Finovate’s own Heather Stowell talks about IMPACT Funders and Founders Forum - a new initiative coming from Finovate this fall in New York.34 / 100
• FinovateSpring Best of Show Winner Zengines on shining a light into the black box that is data lineage
• Don’t break while you build: FinovateSpring Best of Show winner Cobalt on the complex world of FI system dependencies
• FinovateSpring Best of Show winner Finalytics.AI on data and personalization in community FI’s and beyond.
• FinovateSpring Best of Show winner Crebit on stablecoins, international remittance, and a strong UX