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Capital One Built a Bank Like Software. Now It Has a Payment Network.
The credit-card upstart spent three decades turning data into a bank. With Discover's network and Brex's software now inside the company, its next test is whether one institution can make lending, payments and financial tools feel like a single product.
Geoff Brown
Geoff Brown is the co-founder and CEO of Highline, a Dallas-based fintech that runs a payments network pulling bill payments and loan repayments directly from a worker's paycheck instead of a bank account. A self-described numbers geek with a math and physics degree from the University of Florida, he spent two decades in consumer banking and credit risk at Capital One, Santander and Salary Finance before starting Highline in 2020. The company raised $13 million in Series A funding in 2022 and pitches payroll-linked payments as a way to cut missed payments and expand access to lower-cost credit.