In this episode, Tyler Seydel, the Chief Fintech Officer of Sunrise Banks talks about how the bank launched debit rewards cards, a type of card many thought was impossible after the Durbin Amendment. He discusses at the economics of its new rewards cards and what they tell us about how banks can innovate in the card space. 

He also discusses how debit rewards cards fit the mission of a community development bank, how mid-sized banks can use their size to work with big partners, and what principles banks need to keep in mind as they strategize for the future. 

As Tyler mentions in the show, the IPA will be holding our 2026 Innovative Payments Conference, happening in Washington DC, April 29 through May 1. We will be discussing the future of payments and how it will be shaped by regulation with leaders from both the industry and the regulators. Early registration is now open: Innovative Payments Conference. 

This podcast was recorded on December 12, 2025. Things may have changed by the time you hear it.