America’s Workers Got Left Behind in the FinTech Boom

American workers drive spending, and rely on timely payments, Ingo Payments CEO Drew Edwards writes in a new PYMNTS eBook, “2025’s Over/Under: The Bets That Paid Off.”

Ingo Payments was born as a brick-and-mortar financial institution with 12 branches in the Atlanta metro, serving working-class Latino immigrants who lived on transactional payroll every day. These consumers would line up in our lobbies with a check to cash and a bill or two they needed to pay right away. They were not poor.