Humans of Fintech

Student loan debt is a major issue in the United States, affecting millions of Americans. Nicole sits down with Laurel Taylor, CEO and Founder of Candidly, to discuss how her company is using technology to empower individuals and help them navigate the complexities of student loan repayment. Laurel shares her personal journey and the challenges she faced in bringing her idea to life. She explains how Candidly uses AI to go beyond simple debt by helping users achieve financial wellness. On track to deliver nearly a billion dollars in student loan debt savings, Candidly is one of the foremost fintech solutions for absolving a financial crisis so many face. Plus, Nicole and Laurel also discuss the broader implications of student debt on the economy and how technology is ultimately a force for sustainable, positive change.00:00:02 - Navigating the World of Human Fintech00:02:47 - The Growing Crisis of Student Debt in America00:09:57 - How Candidly Helps Americans Manage Student Debt00:15:34 - Overcoming Rejection: Turning Laughter into Success00:22:36 - Human Touch: Managing Student Debt00:28:05 - Secure Act and Student Loan Payments00:35:10 - Staying Positive Through Uncertainty and Student Debt00:40:16 - Enlightened Capitalism: Purpose and Profit in FintechLearn More About Candidly:Website: https://getcandidly.com Follow Laurel: LinkedIn: https://www.linkedin.com/in/ltmit/ Follow Nicole:LinkedIn: https://linkedin.com/in/nicole-casperson-0820a5133/Twitter: https://twitter.com/nicolecasperson And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech Thank you so much!

In this episode, Nicole sits down with Nina Mohanty, the founder of Bloom Money, a platform that provides financial options for immigrants. Nina shares her personal experience as a first-generation immigrant and discusses the importance of diversity in the fintech industry.  She also chats with Nicole about the need for financial inclusion and explains how Bloom Money is working to serve distinct communities better, reflecting on her own upbringing and how it shaped her mindset towards money.   00:01:24 - A Multicultural Upbringing in Silicon Valley 00:06:06 - The Immigrant Experience: Challenges and Privilege 00:12:24 - The Influence of Parents on Money Mindset 00:21:32 - Building Wealth for Immigrants: Bloom 00:27:34 - Fintech Company Helps Immigrants Financially 00:31:05 - The Unexpected Journey of a Founder Obsessed with Financial Inclusion 00:33:59 - The Importance of Diversity in Fintech 00:38:42 - Enjoying a Meal Together   Follow Nina:  LinkedIn: https://www.linkedin.com/in/ninamohanty/   Follow Nicole: LinkedIn: https://linkedin.com/in/nicole-casperson-0820a5133/ Twitter: https://twitter.com/nicolecasperson   And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech   Thank you so much!   You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/   And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider

Meet fintech's most influential women in the industry. Sasha Pilch, Principal at Fin Capital, Emma Zhang, Founder and CEO of Pactfi, and Kathryn Petralia, Co-Founder of Keep Financial, join Nicole live from Money 20/20 to discuss the importance of female representation and empowerment in fintech. With women making up less than 30% of the fintech workforce and only 8% holding leadership roles, something needs to change. These inspiring women share their experiences and insights on how to break through the barriers and create a more inclusive industry. From the importance of storytelling and confidence to the need for more female VCs and founders, this roundtable discussion covers it all, touching on the power of male allies and sponsors in supporting women in fintech. Join us for this candid and insightful conversation as we celebrate the achievements of women in fintech and pave the way for a more diverse and inclusive future.   00:01:40 - The Importance of Female Leadership in Fintech 00:04:36 - From Investment to Fintech Success 00:08:14 - Increasing Female Representation in Fintech 00:14:21 - Leveraging Storytelling: Strength of Female Fintech Entrepreneur 00:19:27 - The Contrarian Approach to Entrepreneurship 00:22:44 - Strategies for Women in VC Funding 00:23:51 - Overcoming Biases: Women Founders and Funding 00:29:09 - Empowering Women to Build Big Ideas 00:36:01 - Breaking Gender Stereotypes in Sales 00:41:54 - The Power of Male Allies in Creating Change 00:44:29 - Fintech's Potential to Change Lives   Follow Sasha:  LinkedIn: https://www.linkedin.com/in/sasha-pilch/   Follow Emma:  LinkedIn: https://www.linkedin.com/in/emma-zhang-57035a33/   Follow Kathryn:  LinkedIn: https://www.linkedin.com/in/kathrynpetralia/   Follow Nicole: LinkedIn: https://linkedin.com/in/nicole-casperson-0820a5133/ Twitter: https://twitter.com/nicolecasperson   And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech   Thank you so much!   You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/   And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider

Trust is a crucial element in the fintech industry, and Anaid Chacon, SVP of Product Development at Argyle, knows just how important it is to establish trust with customers.  In this episode, she and Nicole discuss the challenges of building trust in fintech and how incorporating behavioral finance elements into Argyle's product helps to create a more trustworthy experience for its users.  Anaid also shares her personal journey with fintech and the importance of authenticity and diversity in the fintech space. And later, she divulges why women should stop worrying about knowing everything before diving headfirst into the fintech industry.   00:00:49 – Anaid's Story with the Fintech Industry 00:05:01 - Establishing Trust in Fintech Companies 00:08:21 - Argyle: Bringing Trust to Financial Data Access 00:12:12 - The Importance of Emotion in Fintech 00:15:06 - Incorporating Behavioral Finance into Product 00:24:04 - Navigating the Journey of Leadership 00:31:36 - How Confidence Transforms Personal Presentation 00:32:49 - Authenticity and Diversity in Fintech 00:37:21 - Bringing Transparency and Trust to Fintech   Follow Anaid:  LinkedIn: https://www.linkedin.com/in/anaid-chacon/   Follow Nicole: LinkedIn: https://linkedin.com/in/nicole-casperson-0820a5133/ Twitter: https://twitter.com/nicolecasperson   And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech   Thank you so much!   You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/   And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider

In this candid conversation, Nicole takes a beat to talk with Cristina Ciaravalli about her storied career in the fintech industry, from her early beginnings working for Goldman Sachs to meeting and falling in love with tech startup, Plaid.  The two chat about the differences between working for an organization like Goldman versus working for fintech startups and discuss what, exactly, drew Cristina to Plaid. Then, they pivot into dissecting how regulation makes banking as a service fundamentally different from fintech, before diving into the latest trends in fintech in Latin America.   Plus, Cristina divulges why she's excited to see the changes that come from the collaboration between the Central Bank of Brazil and the Brazilian government and explains what change in fintech she wishes to see the most.    Follow Cristina:  LinkedIn: https://www.linkedin.com/in/cristinaciara/    Follow Nicole:  LinkedIn: https://linkedin.com/in/nicole-casperson-0820a5133/  Twitter: https://twitter.com/nicolecasperson     You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/ 

Did you know that less than 7% of poker players are women?  Jenny Just, the founder of Poker Power Play App, is on a mission to change that. In this episode, she and Nicole discuss the importance of women's representation in the poker world and how playing poker can develop valuable skills for both personal and professional growth.  Jenny shares her vision of creating a gender-neutral poker app and her goal of having half of all poker players be women. They also explore the role of women in decision-making around money and the need for more financial education programs in schools.   Join Nicole and Jenny as they dive into the world of poker and its potential to empower women in the fintech space.   00:00:26 - The Importance of Curiosity in Money and Investing 00:02:28 - Breaking Barriers: Women in Fintech 00:09:23 - Poker: Empowering Women Personally & Professionally 00:16:04 - Closing the Gender Gap in Finance 00:21:44 - Using Poker to Empower Women in Finance 00:28:38 - Poker Power Play App Empowers Women 00:34:42 - Empowering Women in Financial Decision-Making 00:42:38 - The Journey of Poker Power   Check Out Poker Power:  Website: https://pokerpower.com Follow Jenny:  Website: https://www.jennyjust.com LinkedIn: https://www.linkedin.com/in/jenny-just/   Follow Nicole: LinkedIn: linkedin.com/in/nicole-casperson-0820a5133/ Twitter: https://twitter.com/nicolecasperson   And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech   Thank you so much!   You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/   And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider Learn more about your ad choices. Visit megaphone.fm/adchoices

Join Nicole as she chats with fintech aficionado Zach Anderson Pettet. From the importance of diverse experiences to the irony of investment apps, they're tackling it all so that you don't have to.  Zach delves into his personal journey with fintech, revealing how his early financial struggles shaped his interest in fintech and beyond.   Then, Nicole and Zach touch upon the Money 20/20 conference, with Zach giving a behind-the-scenes look at content curation.  Plus, why does Zach feel people in fintech need to lighten up, stop taking it quite so seriously, and have a little more fun? Tune in to find out!   Follow Zach:  LinkedIn: https://www.linkedin.com/in/zachpettet/   Follow Nicole: LinkedIn: linkedin.com/in/nicole-casperson-0820a5133/ Twitter: https://twitter.com/nicolecasperson   And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech   Thank you so much!   You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/   And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Nicole chats with Alejandra Rojas, founder of The Money Mindset Hub, about why it's so critical for women to acknowledge and address all of the emotional baggage and trauma money brings with it.  Alejandra explains why approaching money from a clearer mindset enables women to seize opportunities in an otherwise male-dominated space and to level up in new ways where finances won't automatically trigger an emotional response. By creating a safe space where people can feel safe to discuss their issues with finances, Alejandra believes women can unlock their true entrepreneurial prowess. Plus, Nicole and Alejandra also dive into active ways to create a more positive financial mindset and explain why fintech has the capability to impact generational change.    Follow Alejandra: Website: https://wwthemoneymindsethub.com Podcast: The Money Mindset Show Follow Nicole: LinkedIn: linkedin.com/in/nicole-casperson-0820a5133/ Twitter: https://twitter.com/nicolecasperson   And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech   Thank you so much!   You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/   And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider

What does the future of embedded finance look like in countries experiencing a financial revolution, with cultural norms so different from our own? General Manager to Helix, Ahon Sarkar, chats with Humans of Fintech host Nicole Casperson about the homogeneity of cultural spending across the world, including the rising appetite for greater access to wealth management in India, South Korea, and India.  Plus, Ahon and Nicole discuss the challenges niche embedded finance companies face in creating a sustainable business model and generate a few potential solutions to solve the drop-off problem.   0:00 Intro 7:10 Nerd Moments in Taiwan 11:10 Cultural Differences 16:20 Niche Play and Adjacencies 22:51 Survival of the Fittest 32:41 International Embedded Finance 40:00 Intraregional Cooperation 44:10 Fintech's Future   Follow Ahon:    LinkedIn: https://www.linkedin.com/in/ahonsarkar/   Follow Nicole:   LinkedIn: linkedin.com/in/nicole-casperson-0820a5133/ Twitter: https://twitter.com/nicolecasperson   And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech   Thank you so much!   You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/   And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider

We get it, we get it. When you hear the word “OnlyFans,” feminism isn't exactly the first word that comes to mind. Keily Blair, CEO of OnlyFans, is here to explain why it should.In this live event, she and Nicole discuss the implications of fintech being a predominantly male industry and why the inclusion of women throughout the design process is so important. Then, Keily explains how OnlyFans is ensuring that women have an equal seat at the table, from the C-Suite down and how the $250 billion creator economy is presenting new challenges to the way we think about traditional finance.Trust us, when we say that this episode is a fascinating ride! Follow Keily: LinkedIn: https://www.linkedin.com/in/keilyblair/ Follow Nicole:LinkedIn: linkedin.com/in/nicole-casperson-0820a5133/Twitter: https://twitter.com/nicolecasperson And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech Thank you so much! You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/ And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider

How much money do you need to have a child? What, exactly, should your finances look like before you consider buying a house? How much should you save for a wedding? You shouldn't have to pay $1000 or more to find out the answers to these questions from a financial planner— and Emily Luk, CEO and Co-Founder of Plenty, has designed the first platform designed with couples' finances in mind.She and Nicole chat about the current state of wealth management for couples and how, with over 65% of millennial couples partnering up, it's more relevant than ever before. Emily explains her journey to developing Plenty and what she hopes will be the start of greater access to wealth management planning for demographics of all kinds. Get Early Access to Plenty: https://www.withplenty.com Follow Emily: LinkedIn: https://www.linkedin.com/in/emilylukca/ Follow Nicole:LinkedIn: linkedin.com/in/nicole-casperson-0820a5133/Twitter: https://twitter.com/nicolecasperson And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech Thank you so much! You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/ And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider

In this live event, Nicole sits down with Tracey Davies (President of Money20/20) and Scarlett Sieber (Chief Strategy and Growth Officer at Money20/20) to talk about their unique experiences within the fintech industry. What are the gaps in diversity and inclusion they've been witness to, and what are they doing to ensure their platform is used to progress the industry forward? Nicole also chats with Scarlett and Tracey about why having a psychological safety net at work helps companies to take advantageous risks and why the cult of perfection stops companies from doing more than they're capable of. Plus, how is Tracey's organization, RiseUp, helping women in fintech to develop broader professional networks? You want to miss this empowering chat! Follow Tracey: LinkedIn: https://www.linkedin.com/in/traceyd/?originalSubdomain=uk Follow Scarlett: LinkedIn: https://www.linkedin.com/in/scarlettsieber/ Follow Nicole:LinkedIn: linkedin.com/in/nicole-casperson-0820a5133/Twitter: https://twitter.com/nicolecasperson And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech Thank you so much! You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/ And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider

On today's pod, Nicole and guest speaker, Katie Perry, GM of B2B for the fintech app Public, are breaking down the biggest misconceptions surrounding B2C in fintech.Is B2C in Fintech still alive and thriving? What are the advantages of having a diversified perspective in the fintech market? And how can we build a better industry by encouraging women to break down barriers and fill leadership positions within the B2C community? Plus, find out how Public is aiming to make investing more accessible by providing education and context to empower their users to make more informed decisions. Follow Katie: LinkedIn: https://www.linkedin.com/in/katherineperry/Twitter: https://twitter.com/katieeperry?lang=en Follow Nicole:LinkedIn: linkedin.com/in/nicole-casperson-0820a5133/Twitter: https://twitter.com/nicolecasperson And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech Thank you so much! You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/ And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider

Did you know that studies show female-founded startups yield higher profits and sell a year earlier than male-founded companies? In this live event, Nicole speaks with CNBC Senior Correspondent Julia Boorstin about her latest book, “When Women Lead.” Julia's book covers groundbreaking and deeply researched studies revealing the common characteristics that help top female leaders thrive in the workplace, and she's breaking them down live.Then, stay tuned for a round of audience-fielded questions. Buy Julia's Book, “When Women Lead”:https://www.amazon.com/exec/obidos/ASIN/1982168218 Follow Julia: www.juliaboorstin.comLinkedIn: https://www.linkedin.com/in/juliaboorstin/ Follow Nicole:LinkedIn: linkedin.com/in/nicole-casperson-0820a5133/Twitter: https://twitter.com/nicolecasperson And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech Thank you so much! You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider

How can we account for the messiness of human beings when designing fintech apps? New York Times bestselling author and Chief Behavioral Officer to Orion, Daniel Crosby, stops by the studio to chat with Nicole about behavioral finance and the role it plays in fintech. As a former Ph.D. psychology grad, Daniel's knowledge of the role that human behavior plays in financial decisions is second to none. He explains how we can use those behavioral decisions to help people spend money in ways that will incite joy instead of judgment and to destigmatize the financial struggles around money that are so commonplace. Plus, can you name the top three worries most Americans have in their daily lives? Hint: they all have to do with money. Follow Daniel: LinkedIn: https://www.linkedin.com/in/danielcrosby/ Buy Daniel's Books: The Behavioral InvestorThe Laws of Wealth Follow Nicole:LinkedIn: linkedin.com/in/nicole-casperson-0820a5133/Twitter: https://twitter.com/nicolecasperson And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintechThank you so much!You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/ And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider

In this special episode sponsored by the embedded fintech products platform, Array, Nicole chats with founder Martin Toha about how Array is building a platform to help both clients and their customers own their financial future. Plus, Nicole and Martin also dive into an important conversation around why an intentional, early investment in diversity, equity, inclusion, and belonging (DEIB) can drive impact and value internally and externally. Want to know how to make DEIB part of your organization's DNA? Tune in to find out! Follow Array: Website: https://array.comTwitter: https://twitter.com/ArrayPlatformInstagram: https://www.instagram.com/arrayplatform/LinkedIn: https://www.linkedin.com/company/array-io/ Follow Martin:LinkedIn: https://www.linkedin.com/in/martintoha/ Follow Nicole:LinkedIn: https://www.linkedin.com/in/nicole-casperson-0820a5133/Twitter: https://twitter.com/nicolecaspersonIf you want to learn more about bringing value to your business and the fintech Market check out the Report the Array team and I have put together!

Did you know that 1 in every 124 Asian women in the workplace is a leader vs. 1 in every 50 white males? Liang Zhao, CEO of the marketing consulting agency, Vansary, does, and that's why she's making it her personal mission to ensure underrepresented groups have an equal seat at the leadership table. Liang sits down to speak with Nicole about what her experience as an Asian American has been like in the fintech space, including why the culture of internalization has made it difficult for Asian Americans to recognize when they're being shortlisted and how fintech needs to work harder to build a more inclusive and sustainable future. Plus, find out how Vansary is working with female founders, minority-owned businesses, and allies within the financial sector to help underrepresented groups find their leadership voice. Follow Liang: LinkedIn: https://www.linkedin.com/in/liang-zhao-7167851a/ Follow Nicole: LinkedIn: linkedin.com/in/nicole-casperson-0820a5133/Twitter: https://twitter.com/nicolecasperson And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech Thank you so much! You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/ And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider

If you're creating a fintech product that serves everyone but don't have people building it who represent the groups you're trying to help, how do you ever expect it to succeed? In this live event, Nicole talks with Phenomenal Ventures' Co-Founder, Helen Min, about her thoughts on fintech's biggest problems, including the lack of representation for women within the fintech community. She also shares why you should double down on telling your brand's story through consistent messaging and explains why verticalized fintech applications are something to get excited about. Follow Helen: LinkedIn: https://www.linkedin.com/in/helenmin/ Follow Nicole:LinkedIn: linkedin.com/in/nicole-casperson-0820a5133/Twitter: https://twitter.com/nicolecasperson And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech Thank you so much! You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/ And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider Mentioned in this episode:Fintech is Femme "Real Talk" CommunityFintech Is Femme presents a no B.S. community that believes having honest and inclusive conversations pushes the Fintech industry forward. Make influential connections, engage in meaningful dialogue, and accelerate your Fintech career.FIF Real TalkFintech is Femme "Real Talk" CommunityFintech Is Femme presents a no B.S. community that believes having honest and inclusive conversations pushes the Fintech industry forward. Make influential connections, engage in meaningful dialogue, and accelerate your Fintech career.FIF Real Talk

Industry powerhouse and Stash CEO Liza Landsman is in the studio to chat with Nicole about how she's using FinTech to disrupt the bottleneck between economic sustainability and the average consumer. Liza unpacks how the average consumer can benefit from Fintech and why, by using less coded, more accessible language, apps like Stash are breaking down barriers and encouraging those in poverty to achieve financial stability. Plus, Nicole and Liza chat about the importance of representation in the Fintech sector and the psychology behind getting people to save more and buy less.Follow Liza: LinkedIn: https://www.linkedin.com/in/liza-landsman-83138b And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech Thank you so much! You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/ And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwitTech UnlockedBreaking BanksFintech Insider0:00 Intro5:20 No Place for Doubt7:32 Making Consumer Finance Accessible10:43 Why Investors Care About Profitability11:41 Does Your Product Make The World a Better Place?14:58 Why Money Matters15:59 Is Fintech Oversaturated?17:18 Taking Baby Steps to Achieve Financial Stability23:42 Words of Advice 26:39 Empowering Women in FinTech33:47 Outro

What happens when two of the most stellar names in fintech host a virtual event? Time to find out.Nicole Casperson (Fintech is Femme) and Alex Johnson (Fintech Takes) throw open the doors for this community-building online event, tackling the real questions around fintech inclusivity, if B2C fintech is dead (or should be), and how Gen Z and missional values must align when it comes to choosing a career path.Plus you'll also hear questions from the audience, including the unsexy parts of banking that fintech needs to get into next.Follow Nicole:LinkedIn: linkedin.com/in/nicole-casperson-0820a5133/Twitter: https://twitter.com/nicolecaspersonFollow Alex:LinkedIn: .linkedin.com/in/alexhjohnson/Twitter: https://twitter.com/AlexH_JohnsonAnd if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintechThank you so much!You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech InsiderTimestamps:00:00 Intro03:36 Getting Into Real Talk09:25 Is B2C Fintech Dead?12:58 Habit Creation19:09 Integrating Behavioral Finance25:09 Paycheck-to-Paycheck Living27:07 The DEI Transparency Report33:26 The Generation That Cares35:25 Aligning Mission To Work41:53 Make Money, Solve Societal ProblemsIs B2C Fintech Dead?The fintech industry has experienced explosive growth over the past few years, with companies offering innovative solutions to financial services. However, the industry is constantly evolving, and some fintech professionals are questioning the future of B2C fintech. In this blog, we will explore whether B2C fintech is dead and what the future holds for the industry.What is B2C Fintech?B2C fintech refers to companies that provide financial services directly to consumers. These companies offer solutions such as mobile banking, payment processing, budgeting tools, and investment management. B2C fintech has been at the forefront of the industry's growth, with many startups disrupting traditional banking and financial services.The Current State of B2C FintechThe B2C fintech market is highly competitive, with many companies offering similar services. This has led to a crowded market, making it difficult for new players to enter and for existing companies to stand out. Additionally, regulatory challenges and the increasing dominance of big tech companies have made it challenging for B2C fintech companies to succeed.Furthermore, the COVID-19 pandemic has accelerated the shift to digital financial services, with many consumers preferring to use online platforms for banking and payments. This has led to an increase in demand for B2C fintech services, but it has also created new challenges for companies, such as increased competition and the need to provide seamless digital experiences for customers.Is B2C Fintech Dead?Despite the challenges, B2C fintech is not dead. In fact, there are several reasons why B2C fintech will continue to thrive in the...

In this commentary episode, Nicole gets straight into talking about the topic of the moment: Silicon Valley Bank.Digging below the story, Nicole offers searing analysis on the root causes and asks the important questions.You'll also hear her take on herd mentality and how fintech must do better.And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintechThank you so much!You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider

How come they teach math and sex-ed at school but not money?CJ MacDonald is CEO and Founder of Step, the next generation financial services company helping teens and young adults achieve financial independence and knowledge at an earlier age. Nicole and CJ discuss why getting into schools at the earliest age creates the building blocks to financial stability, how savings bonds led to an aha moment, and how it all starts with a bank account.Follow CJ:LinkedIn: https://www.linkedin.com/in/cjmacdonald/Twitter: https://twitter.com/CJMacDonaldAnd if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintechThank you so much!You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider

Katie agrees to step into the spotlight for this quickfire round of questions.Find out who's on her fintech soundtrack, the best advice she ever received and so much more in this fireside chat with NicoleFollow Katie:LinkedIn: https://www.linkedin.com/in/katiepalencsar/Twitter: https://twitter.com/damekatiepAnd if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintechThank you so much!You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider

How do you smash down common misconceptions around female fintech founders? Katie Palencsar is the startup founder turned investor, determined to bring equity into VC investments.Katie is an investor at the Female Innovators Lab Fund within the Anthemis Group, the global platform cultivating change in the financial system by investing in, growing, and sustaining businesses committed to resiliency, transparency, access and equity.Nicole and Katie discuss why she's hell bent on shattering the misconceptions around female fintech founders, why it's time to bring men back into the conversation, and how to respond to accusations of sexism.Plus you'll hear Katie's advice for anyone who still feels on the outside of the industry and why investors are looking more and more for sustainability in their fintech investments.Follow Katie:LinkedIn: https://www.linkedin.com/in/katiepalencsar/Twitter: https://twitter.com/damekatiepAnd if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintechThank you so much!You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider

How can your fintech product prioritize inclusion, generate profitability, and serve people who need financial tools?In this quick breakdown Nicole defines what inclusion really means in the space, gives examples from Annie Jean-Baptiste's best settling book, and how to capture a larger market share by creating more inclusive products for people of color, women and other underrepresented groups.Plus, you'll also get Nicole's insights on how Google are building inclusivity into their products at the design stage.And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintechThank you so much!You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider

Join Nicole and Alison in this lightning round of questions, covering everything from music to inspirational advice.Get to know Nicole's inspirational podcast guest even better in this 5-minute fireside chat.Follow Alison:LinkedIn: https://www.linkedin.com/in/alisonstaloch/And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintechThank you so much!You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider

From medicine to regulations and headlong into Fintech, meet the CFO building a better financial system.Alison Staloch is CFO at Fundrise, America's largest direct-to-investor alternatives investment platform, since 2012.Nicole and Alison, dig into why a career in medicine left her cold, how she navigated a course through regulations and policy at the US Securities And Exchange Commission, and why Fundrise's ethos for empowering its customer is her north star.Plus, you'll also hear the best piece of advice Alison was given and why Fintech outsiders should dive into the industry with no fear.Follow Alison:LinkedIn: https://www.linkedin.com/in/alisonstaloch/And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintechThank you so much!You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech InsiderTimestamps:00:00 Intro04:31 When Medicine Fell Flat06:34 Monitoring For Opportunities And Challenges10:06 Bridging The Knowledge Gap15:14 Building A Better Financial System19:01 Being Bullish On Tech21:38 The Importance Of Badass Mentors24:34 A Dire Need For Diversity26:36 Living Out The Desire To Make An Impact32:40 A Message To Outsiders

Vered is under the spotlight in this quickfire round of questions.Discover her fintech soundtrack, the best advice she ever received and more in this fireside chat with Nicole.Follow Vered: LinkedIn: https://www.linkedin.com/in/veredfrank/You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech InsiderThank you so much!

From traditional finance to fintech and back again, Vered Frank is the CMO helping investors find meaning and connection.She is Head of Marketing at Seeds Investor, empowering financial advisors to deliver a more meaningful investment experience.Nicole and Vered talk robo investment advisors, the disconnect between earning and spending, and how Vered found her fintech sweet spot.Follow Vered:LinkedIn: https://www.linkedin.com/in/veredfrank/And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintechThank you so much!You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech InsiderTimestamps:00:00 Intro02:39 Learning From Tradition06:34 Leveraging Processes In A Startup12:58 The Seeds Vision13:16 The Fintech Disconnect Between Earning And Spending17:13 Financial Investor Role19:10 New Ways Of Investing

What happens when you're frozen out of financial conversations because of gender and ethnicity? You start your own conversationEve Halimi and Anam Lakhani are the first-time founders behind Alinea Invest, the community-driven money app with financial education, news, stock & crypto investing.Nicole, Eve and Anam explore why so many women aren't taught how to save and invest, the importance of non-predatory platforms and how Alinea got funded, despite investors not getting the problem or seeing the need for a solution.Follow Eve:LinkedIn: https://www.linkedin.com/in/eve-halimi/Follow Anam:LinkedIn: https://www.linkedin.com/in/anam-lakhani-443032134/And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintechThank you so much!You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider

Hold on tight as Michelle answers a lightning round of questions from Nicole in this fireside chat.Get personal with 3 minutes, you don't want to miss!And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintechThank you so much!Follow Michelle:LinkedIn: https://www.linkedin.com/in/michellektran/Twitter: https://twitter.com/MkateMamaYou can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider

Michelle Tran is building a community, meeting fintech bro culture head on. Find out why she will no longer be talked over.Michelle Tran is the Head of Enterprise Sales and SVP at Vestwell, a platform working to close the savings gap. She's also the Founder of NYC Fintech Women and Dreamers // Doers, a collaboration and mentorship community.Nicole and Michelle get into her inspiring family story of immigration in tough circumstances, why she's determined to keep on giving back, and the aha moment when she found herself talked over at a pitch meeting, triggering her mission to create a supportive community and mentoring other women in fintech.And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintechThank you so much!Follow Michelle:LinkedIn: https://www.linkedin.com/in/michellektran/Twitter: https://twitter.com/MkateMamaYou can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/Timestamps:00:00 Intro02:29 The Quest For A Better Life07:00 The Art Of Giving Back11:21 Checking Those Family Boxes14:02 That Aha Moment17:29 Power To All The People20:18 Looking At The End Game22:28 Finding Your Fintech People26:18 All About Visibility36:14 What Is The Change You Want To Be?And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider

It's 2023 and still female founders are facing tough challenges getting recognized and funded. Why? Nicole explores the topic in this 5-minute commentary episode.Join Nicole as she dives into recent research showing the difficulty female founders have getting funding from male-founded VC firms. She gets into the numbers around this issue and some solutions to changing up the status quo.And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintechThank you so much!You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider

Hold on for this lightning round of questions, getting to know Drew a little deeper.From the best advice to dream collabs - this is 3-minutes you can't miss!And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintechThank you so much!Follow Drew:LinkedIn: linkedin.com/in/drewbailergloverLinkedIn: https://twitter.com/DrewBailerYou can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider

From struggling to read to becoming a highly successful VC and Founder, this is the unique story of Drew Glover.Drew is Co-Founder of Fiat Ventures and Fiat Growth, helping fintech startups scale through mentorship and investment. He grew up overcoming learning difficulties, thanks to his own determination and an encouraging mom, and is now a successful investor and mentor.Nicole and Drew get into how his success as an athlete helped him become the best communicator, why admitting your weaknesses is the key to self-growth, and why he believes fintech investment will unlock opportunities for smaller companies who deserve success.And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintechThank you so much!Follow Drew:LinkedIn: linkedin.com/in/drewbailergloverTwitter: https://twitter.com/DrewBailerYou can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech InsiderTimestamps:00:00 Intro02:22 Outside The Traditional School System05:52 Making It Out Alive06:12 Fintech Is Meant To Be Unconventional10:45 The Aha Moment14:15 Noticing Your Super Powers16:30 When Your Mom Knows Too Much20:50 Change Needs to Happen21:17 A Different Vantage Point26:33 Unique From Day OneUnlocking the Secrets of Venture Capitalism: A Comprehensive GuideVenture capitalism is a highly lucrative yet complex field of finance. If you're an entrepreneur looking to raise capital for your startup, you need to have a thorough understanding of venture capitalism and the various aspects associated with it. This guide will provide you with a comprehensive overview of venture capitalism and equip you with the knowledge necessary to make informed decisions when it comes to raising capital. Introduction to Venture CapitalismVenture capitalism is the practice of investing in newly established businesses with the expectation of a higher return on investment. It is a form of private equity and typically involves high-risk investments in startups and other early-stage businesses. Venture capitalists provide financial capital, managerial expertise, and access to networks in exchange for a stake in the company. Venture capitalists are typically wealthy individuals, family offices, or institutional investors with a high risk tolerance and a long-term outlook. Venture capital firms are specialized firms that invest in startups and other early-stage companies with the aim of generating a return on their investments. Venture capitalism is an attractive option for many entrepreneurs because it provides access to capital, resources, and expertise that would otherwise be difficult to obtain. However, venture capitalists typically demand a certain level of control over the company in exchange for their investments, which can be a difficult pill to swallow for some entrepreneurs. Investment StrategiesVenture capitalists employ various investment strategies when it comes to investing in startups and other early-stage companies. These strategies typically involve identifying promising businesses, conducting due diligence, and deciding...

Get to know Meg a little better, as Nicole unleashes this lightning round of questions.From Fintech songs, to Meg's biggest supporter - this is 3-minutes you can't miss!And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintechThank you so much!Follow Meg:LinkedIn: linkedin.com/in/megnakamuraYou can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech InsiderTimestamps:00:00 Intro02:21 The Japanese Influence On Apto04:43 Society Working For The Greater Good06:15 The Skill Of Spotting Opportunity09:34 Moving The Needle Through Real Change16:28 Building Trust Through Community17:55 No Hall Pass For Mistakes20:04 The Challenge of Recruiting in a Pandemic22:58 Growth As Key27:43 Meg's Three Wishes

You don't get a hall pass for making mistakes with people's money. Meg Nakamura is the Co-founder and CEO building trust through fintech. Find out how.Apto Payments is the next-generation cards and payments platform that helps companies design and launch successful card programs in as fast as a day. Meg and Co-founder Greg Kidd are building a company with community and trust at its core.Nicole and Meg talk about how Meg's Japanese upbringing influenced her approach to business, why you only get one chance to handle people's finances, and what it's like to keep your company afloat in the face of challenge.And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintechThank you so much!Follow Meg:LinkedIn: linkedin.com/in/megnakamuraYou can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech InsiderNavigating the Fintech Startup Landscape: Strategies for SuccessFintech startups are popping up everywhere, and for good reason. The global fintech industry is on the rise and is projected to grow exponentially in the coming years. But starting a fintech startup is not without its challenges. In this blog post, we'll explore the challenges faced by fintech startups, the various business models available, the regulatory environment, and strategies for success. We'll also look at what to look for when selecting a fintech partner and tips for raising capital for a fintech startup. Challenges faced by fintech startupsStarting a fintech startup is no easy feat. There are numerous challenges that entrepreneurs must face, from finding the right team to navigating the regulatory environment. Here are some of the most common challenges that fintech startups face. The first challenge is the technical complexity of a fintech product or service. Fintech startups must develop a product or service that is both secure and meets customer needs. This requires a significant amount of time and resources, and it can be difficult to keep up with the ever-evolving technology landscape. It's important for fintech startups to stay up-to-date with the latest advancements in the industry in order to remain competitive. Then there's the competitive landscape. The fintech industry is highly competitive, and it can be difficult for startups to stand out from the crowd. Additionally, established players have the advantage of extensive resources and customer bases, which can make it difficult for startups to gain traction. Fintech startups must adhere to a variety of regulations in order to operate legally. This can be a daunting task, as regulations vary from country to country and can be difficult to interpret. As such, it's important for fintech startups to have a clear understanding of the regulatory landscape in order to remain compliant. Fintech startups often have to spend significant amounts of money to acquire customers. This can be difficult for startups with limited resources, as it can be difficult to generate a sufficient return on investment (ROI). The fifth challenge is the risk of failure. As with any startup, there is always the risk of failure. Fintech startups are no exception, and it is important for entrepreneurs to have a clear...

Get to know Yoni a little better with this lightning round of questions..From Fintech songs, to Yoni's biggest supporter - this is 3-minutes you can't miss!And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintechThank you so much!Follow YoniLinkedIn: linkedin.com/in/yoniassiaTwitter: https://twitter.com/yoniassiaYou can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider

This is a special one. Yoni Assia is the Founder and CEO of eToro, discover his vision for Fintech and why investment is for everyone.eToro is the world's leading social investment platform. Founded in 2007 with a mission to open the world's markets to everyone -everywhere.Nicole and Yoni sit down to talk about the power of connection, why education is so key to successful investment, and how fintech will flip traditional finance on its head sooner rather than later.And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintechThank you so much!Follow YoniLinkedIn: linkedin.com/in/yoniassiaTwitter: https://twitter.com/yoniassiaYou can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech InsiderTimestamps:0:00 Intro01:52 The Power of Connection03:13 Are We Finance Or Tech?05:31 Programing For The Israel Intelligence Core06:57 The Passion For Capital Markets09:45 Connection, Collaboration, Education13:23 Success Is Never A Straight Line16:38 Looking With Perspective20:44 The Buffet Dinner27:15 Giving Back Through Non Profit

Get ready for a lightning round of questions, getting to know Kristy on a more personal level.From Fintech songs, to biggest supporters - this is 3-minutes you can't miss!And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintechThank you so much!Follow Kristy:LinkedIn: linkedin.com/in/kristykim7Twitter: https://twitter.com/kristykim1015You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider

Welcome to the first episode in this brand new season. This is a special one.Kristy Kim is a South Korean immigrant and the founder of TomoCredit, the fintech company offering the smartest consumer credit card that doesn't require a credit score for approval.Nicole and Kristy get into conversation about how Kristy solved her own credit problem, how she went all founding a startup, and how a sense of humor helps in every aspect of life.And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintechThank you so much!Follow Kristy:LinkedIn: linkedin.com/in/kristykim7Twitter: https://twitter.com/kristykim1015You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech InsiderTimestamps:0:00 Intro01:43 Always Feeling Like The Outsider03:55 Taking On The Startup Challenge07:02 What Ambition Looks Like11:31 The Rejection Experience15:29 Big Bank Challenge16:39 Going All In19:15 When The Product Clicked21:34 The Thousand Per Cent Commitment28:48 Raising Women UpCredit History: Strategies for Improving Your Credit ScoreYour credit history is important. It can determine whether you'll get approved for a loan or credit card, or even be able to rent a house or apartment. That's why it's important to have a good credit score and understand how your credit history affects your financial life. Here we'll discuss the factors that impact your credit score, strategies for improving your credit score, how to monitor your credit history, and common credit mistakes you should avoid. Factors That Impact Your Credit ScoreYour credit score is a three-digit number that summarizes your credit risk. It ranges from 300 to 850 and is based on your credit history. Lenders use it to determine whether to approve you for a loan or credit card, and what kind of interest rate they'll charge you. There are several factors that impact your credit score, including: Payment History: Your payment history is the most important factor in determining your credit score. It looks at whether you've made your loan and credit card payments on time. Late payments can have a major impact on your credit score.Credit Utilization: Credit utilization is the amount of credit you're using compared to the total amount of credit available to you. It looks at how much of your credit limit you're using on your credit cards. It's important to keep your credit utilization low, as having too much credit can lower your credit score.Length of Credit History: Your length of credit history looks at the age of your oldest account and the average age of all your accounts. Having a longer credit history can help your credit score, so it's important to keep older accounts open.Types of Credit: Your credit mix looks at the different types of credit you're using, such as loans, credit cards, and store cards. Having a mix of different types of credit can help your credit score.Recent Credit Activity: Your recent credit activity looks at the number of new accounts you've opened in the last six months. Opening too many accounts in a short period of time can lower...

The world of fintech is dominated by the same old voices, drowning out diverse founders and operators. Step forward Humans of Fintech. The podcast elevating the stories of diverse leaders at the forefront of change in our industry.Hosted by me, Nicole Casperson, journalist and founder of the Fintech Is Femme. This show shines a spotlight on those underrepresented fintech founders, zoning in on how they're leading their companies and creating change.You'll hear how leaders like Kristy Kim of TomoCredit, Founder of eToro Yoni Assia, and women in fintech icon Michelle Tran are bringing equity and an alternative version of finance to the world, powering new ways of bringing equality across the globe.In every interview, my guest will share how they got into the fintech space, the challenges they're working to solve and what drives them. You'll hear how they found connection in the industry, and how they're moving the dial when it comes to re-shaping fintech for the better.If you're desperate to hear fresh perspectives and different voices, Humans of Fintech is the podcast putting humanity back into the industry.With new episodes dropping every Wednesday. Make sure to subscribe wherever you get your podcasts.And if you've enjoyed Humans of Fintech, why not try: Tech Unlocked, Breaking Banks or Fintech Insider.

Tracy Schroeder is democratizing R&D Tax Credits, and finding her home in Fintech.As VP of Strategy and Growth at MainStreet, she's part of the company's mission taking the guesswork out of tax credits and passing the savings onto small businesses and startups.Nicole and Tracy talk why Fintech isn't the cool kids club everyone thinks it is, how surrounding yourself with a diverse network is key to growing as a leader, and why education will always be a core part of the MainStreet mission.And our sponsor MainStreet is making it easy to find thousands of dollars worth of R&D Tax Credits. You only need to plug MainStreet into your payroll and let their team of experts do the heavy lifting, scanning hundreds of federal, state and local tax credits on your behalf. It's going to save you so much time and your company so much money.Head to MainStreet.com to sign up for their limited time offer.And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintechThank you so much!Follow Tracy:LinkedIn: linkedin.com/in/tracy-schroeder-31757284You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech InsiderTimestamps:0:00 Intro03:21 From Outsider to Inside04:45 Not Just For The Big Boys09:42 The Importance of Education For Customer Success12:31 Back Yourself15:21 The Power of Five18:38 EQ For Career Success22:50 Personalization, The Trend To Watch27:57 The Trickle Down Leadership Effect30:03 Creating Your Own Cool Kids ClubLeadership In FintechFintech continues to expand rapidly. According to statistics, the global fintech market is continuing its upward trajectory . As this sector expands and matures, the need for quality leadership grows as well. Leaders with a focus on fintech will play a pivotal role in the continued success of this industry. Here are three traits you should look for when searching for fintech leadership: Leaders who can see beyond their own interests Fintech leaders must be able to tackle problems from many different angles. They have to be able to see more than just numbers and spreadsheets; they must be able to see people, too. Not everyone involved in fintech has the same motives or intentions—some may not have the best intentions at all. The ability of a leader in fintech to see beyond their own immediate interests will be what prevents corruption and exploitation of customers within this niche field. HonestyA leader who is honest with themselves and others will have much better luck with problem solving. A lack of self-awareness can lead to poor decision-making, and a lack of integrity can lead to unethical practices. Honesty is a trait that all fintech leaders must have in order to ensure that their solutions serve the needs of their customers and have no hidden ulterior motives. When leaders are honest with themselves, they will not make excuses for poor performance; instead, they will have the ability to recognize where they need to...

What does embedded finance mean to Dani Fava? It means providing a more secure future for millions of Americans. Find out how.Dani is Group Head of Product Innovation at Envestnet, transforming the way financial advice and wellness are delivered. Their mission is to empower advisors and financial service providers with innovative technology, solutions and intelligence to make financial wellness a reality for everyone.Nicole and Dani talk hacking software to buy back 20 minutes of her day, how financial micro moments could change the future, and how Dani carved out her own space in the innovation niche.And our sponsor MainStreet is making it easy to find thousands of dollars worth of R&D Tax Credits. You only need to plug MainStreet into your payroll and let their team of experts do the heavy lifting, scanning hundreds of federal, state and local tax credits on your behalf. It's going to save you so much time and your company so much money.Head to MainStreet.com to sign up for their limited time offer.And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintechThank you so much!Follow Dani:LinkedIn: https://www.linkedin.com/in/dani-fava/You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech InsiderTimestamps:00:00 Intro01:44 The Incredible Origin Story 04:31 Being Your Own Biggest Believer05:55 Failure Is An Option12:20 Infiltrating The Institutions15:14 Equity At All Levels23:44 Proximity: One SIngle Word25:56 The Embedded Finance App30:15 Being The Change In Fintech31:43 Staying Visible3 Benefits of Embedded Finance For OrganizationsIn a digital world, the role of finance is more important than ever. Finance departments are playing a key role in embedding insights into our organizations and driving sustainable performance. A company's embedded financial management system is one where financial information is accessed directly from business processes, rather than having to be retrieved from separate data systems. Embedded finance solutions are fast becoming essential for many businesses as they provide a number of benefits that can help you make better strategic decisions, boost efficiency and reduce costs. In this blog post, we take a look at the benefits of embedding finance for your organization. Save Time and MoneyThe data needed to report on the business performance, forecast future cash flows and make investment decisions is being extracted from the core business processes themselves. This means that the analysis and reporting can be done in real time, without the need for manual collection of data from separate systems. Thus, finance departments no longer have to spend valuable resources manually extracting data from different systems and generating reports to support management decisions. This will save time and money spent on IT resources, data management and analysis. Embedded finance solutions can help finance departments make better use of

Live from Money 20/20 Nicole is joined on stage by two stellar guests, moving the needle on financial inclusion.Nicole is in conversation with Mary Ellen Iskenderian, President at Women's World Banking and Shivani Siroya, CEO and Founder at Tala.The panel gets into 720 billion reasons for financial equity, helping women and marginalized people across the globe get access to financial products, and how to build a business with empathy. This is a special episode you won't want to miss.And our sponsor MainStreet is making it easy to find thousands of dollars worth of R&D Tax Credits. You only need to plug MainStreet into your payroll and let their team of experts do the heavy lifting, scanning hundreds of federal, state and local tax credits on your behalf. It's going to save you so much time and your company so much money.Head to MainStreet.com to sign up for their limited time offer.And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintechThank you so much!Follow Mary Ellen:LinkedIn: linkedin.com/in/maryelleniskenderianFollow Shivani:LinkedIn: linkedin.com/in/shivanisiroyaFollowYou can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider

Find out how Chris Hewish is bridging the gap between game monetization and customer expectation.Chris is President of Xsolla, the video game business engine that helps indie and global gaming companies solve the complexities of distribution, marketing, and monetization. Nicole and Chris dive into the lightbulb moment he realized 40% of the global gaming market couldn't transact in their favorite games, how helping everyone get a piece of the pie is possible through smart Fintech, and why engaging customers is a win for everyone.And our sponsor MainStreet is making it easy to find thousands of dollars worth of R&D Tax Credits. You only need to plug MainStreet into your payroll and let their team of experts do the heavy lifting, scanning hundreds of federal, state and local tax credits on your behalf. It's going to save you so much time and your company so much money.Head to MainStreet.com to sign up for their limited time offer.And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintechThank you so much!Follow Chris:LinkedIn: linkedin.com/in/chrishewishTwitter: https://twitter.com/chris_hewishYou can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech InsiderTimestamps:00:00 Intro03:03 Passion For Gaming05:32 The Question of Inequality10:21 The Revenue Relationship15:06 Democratizing Gaming16:57 Creating Community18:23 Embracing The DTC Ethos21:49 Fintech's Power To Engage25:54 My Biggest Takeaway29:02 Becoming The Change5 Best Gaming CommunitiesNewer and smaller communities can struggle to get noticed. Often, the best way to stand out is by creating something unique or interesting. There are many gaming communities out there, each with their own set of positives and negatives. Occasionally, one stands out because of its excellent management, or its focus on a certain type of player, for example. Here we take a look at the top 5 gaming communities that are worth joining in 2019 if you're looking for new friends or players to regularly play with. TwitchIf you're an avid gamer, then you've almost certainly heard of Twitch. As one of the most popular games streaming site online, it enables you to stream your gameplay live, as well as watch various other gaming content from others. Using an established site like this is often the best way to get yourself out there, as well as connect with other players. The main Twitch site is aimed more at viewers, whereas the Twitch Gaming community is more for streamers and their viewers. For those looking for new friends, the Twitch Gaming Community is perfect. With over 27 million members, it's one of the most popular gaming communities online, particularly for those who play a lot of multiplayer games. The community offers lots of different channels, such as general gaming, first-person shooters, role-playing games, and many...

Growing up surrounded by Latino entrepreneurs, but only seeing white faces in the media, Lyanne knew it was time to tell a different story.From business journalist to creator of the Moneda Moves Newsletter, and Program Manager at Google, it's no surprise Lyanne was recently named one of TIME X NextAdvisor's 25 Most Influential Voices of New Money.Championing fintech, money and culture, Lyanne is putting Latino founders firmly on the map.Nicole and Lyanne talk growing up in the US as an immigrant, the underrepresentation of LatAm founders, and why companies should put way more emphasis on telling their story.And our sponsor MainStreet is making it easy to find thousands of dollars worth of R&D Tax Credits. You only need to plug MainStreet into your payroll and let their team of experts do the heavy lifting, scanning hundreds of federal, state and local tax credits on your behalf. It's going to save you so much time and your company so much money.Head to MainStreet.com to sign up for their limited time offer.And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintechThank you so much!Follow Lyanne:LinkedIn: linkedin.com/in/lyannealfaroTwitter: https://twitter.com/LyanneAlfaroYou can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech InsiderThe Importance of Equity in FintechFinTech has been an exciting sector for the last few years. With its low entry bar, new fintech founders are emerging every day with innovative ideas and solutions. Although the number of FinTech companies is growing fast, we still see a lack of diversity in this sector. Many startups are founded by men who are either engineers or investors. We see very few women founders who usually lead other people to success. Furthermore, there are very few non-white founders in this industry, especially if we compare it to other tech sectors like eCommerce or AR/VR. This blog post explains why diversity matters and how you can create a more inclusive environment at your startup for everyone to thrive. Why Does FinTech Lack Diversity?There are many reasons why FinTech sector is so male-dominated. We can blame it on the education system that teaches boys to be rational, logical thinkers while girls are more enthusiastic and creative. We can also blame it on the fact that many people think that STEM subjects are better suited for boys. Additionally, many people are convinced that it's easier for boys to pursue a career in STEM fields. These negative stereotypes about women and their “natural ability” in STEM fields have led to a lack of female representation in FinTech. It's not only FinTech that lacks female representation. There are numerous industries that have a skewed gender distribution. One of the main reasons for such a low number of women in STEM fields is that girls/women don't see many role models. Equity Has...

The creator economy has found a new space and it's not holding back. It's time to re-think Only Fans and redefine its place in the creator economy. Nicole tears up the rule book with a high signal tear through at why fintech needs to be there for creators and small business owners, Amrapali Gan's leadership at Only Fans, and highlights from Money 2020.Quick, sharp and straight to the point.And our sponsor MainStreet is making it easy to find thousands of dollars worth of R&D Tax Credits. You only need to plug MainStreet into your payroll and let their team of experts do the heavy lifting, scanning hundreds of federal, state and local tax credits on your behalf. It's going to save you so much time and your company so much money.Head to MainStreet.com to sign up for their limited time offer.And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintechThank you so much!Follow Nicole:Twitter: https://twitter.com/nicolecaspersonInstagram: https://www.instagram.com/nicolecaspersonYou can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider

Only when you've done your time in startups can you offer the kind of support Rex has created for other fintech founders. Find out how. Nicole and Rex dive into why conversation is the key to understanding a founder's goals, why bringing together is a major high point to his working day, and why writing the second biggest check leads to way more collaboration. And our sponsor MainStreet is making it easy to find thousands of dollars worth of R&D Tax Credits. You only need to plug MainStreet into your payroll and let their team of experts do the heavy lifting, scanning hundreds of federal, state and local tax credits on your behalf. It's going to save you so much time and your company so much money. Head tohttps://mainstreet.com/tax-credits/?utm_source=workweek&utm_medium=social&utm_campaign=workweek-podcasts&utm_content=podcast ( MainStreet.com) to sign up for their limited time offer. And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech (https://ratethispodcast.com/humansoffintech) Thank you so much! Follow Rex: LinkedIn: https://www.linkedin.com/in/rexsalisbury (linkedin.com/in/rexsalisbury) Twitter: https://twitter.com/rexsalisbury (https://twitter.com/rexsalisbury) You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/) And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider Timestamps: 0:00 Intro 03:16 How to Build With Understanding 04:14 Bringing People Together 05:21 The Benefits of Authenticity 07:48 All The Uncontested Opportunities Out There 11:37 Rex' Unique Position 16:04 Find Your People 18:51 Not Always The Mentor Role 19:22 Leveraging The Community 27:13 Fintech Versus The Big Five Why Fintech Founders Need Community Fintech and financial services are words on the lips of everyone in the industry. Everyone is talking about how these emerging technologies are going to change the world.    And, everyone is right. Fintech and financial services have come to stay and drive disruption in every industry they enter. To succeed as a fintech founder, you need to build your company with users and communities in mind.    Your product will be part of their lives, so you need to include them in its creation from the beginning. In this blog post, we'll explain why fintech founders need community as much as they need funding and lawyers. Then, we'll explore why it's important to build your company with users and communities in mind from day one as a fintech founder.     Why Fintech Founders Need CommunityThe meteoric rise of fintech has come with its fair share of challenges. Fintech investors are investing in disruption and they expect high returns. Fintech founders are asked to change the finance industry as we know it with limited resources. This can be both exciting and terrifying.    A fintech founder needs to find the right balance between creating a useful product and marketing that product. They need to find the right balance between talking to users and talking to investors.    Fintech founders need to be able to manage product development, marketing, sales, and other aspects of the business all by themselves. Communities of users, partners, investors, and journalists can help fintech founders manage these aspects of a business.    A strong community can help you reach your target users, expand your product offering, and create brand awareness. Communities can help you launch and improve your marketing campaigns, too.   Why You Should Build Your Company With Users And Communities In MindIf you're looking to grow your fintech business, you need to build your company with users and communities in mind from the very beginning. Here's why:...

Join Nicole as she gets into media representation and its link to diversity and equity. You'll hear Nicole's unique takes on how those stories impact investment and why outdated, prejudice stereotypes are still all too common in Fintech and the media. WTFintech and Nasdaq Data Link are teaming up to give one lucky fintech company a whole lot of attention. You can enter to win a full Nasdaq VIP guest experience that includes special promotion of your business! Visithttp://www.nasdaq.com/wtfintech ( nasdaq.com/wtfintech) to enter And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast:https://ratethispodcast.com/humansoffintech ( https://ratethispodcast.com/humansoffintech) Thank you so much! You can keep up-to-date with everything Humans of Fintech athttps://workweek.com/brand/wtfintech/ ( https://workweek.com/brand/wtfintech/) And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider

What happens when one of the most famous financial experts in the US teams up with a highly successful founder? They change the world. Suze Orman, host of the Women & Money podcast and bestselling author, joins one of her co-founders Devin Miller, an entrepreneur and former COO of Guidant Financial, to talk SecureSave. This is the work benefit that provides emergency savings solutions to help employees prepare for life's unexpected moments. Nicole, Suze and Devin talk about what it feels like living paycheck to paycheck, why secure employees are more productive, and Suze's mission to financially educate millions. And our sponsor MainStreet is making it easy to find thousands of dollars worth of R&D Tax Credits. You only need to plug MainStreet into your payroll and let their team of experts do the heavy lifting, scanning hundreds of federal, state and local tax credits on your behalf. It's going to save you so much time and your company so much money. Head tohttps://mainstreet.com/tax-credits/?utm_source=workweek&utm_medium=social&utm_campaign=workweek-podcasts&utm_content=podcast ( MainStreet.com) to sign up for their limited time offer. And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech (https://ratethispodcast.com/humansoffintech) Thank you so much! Follow Devin: LinkedIn: https://www.linkedin.com/in/devinpmiller (inkedin.com/in/devinpmiller) Follow Suze: LinkedIn: https://www.linkedin.com/in/suzeorman (linkedin.com/in/suzeorman) You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/) And if you've enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider Why You Must Have an Emergency Savings Fund Every adult knows that life can throw unexpected challenges our way at any moment. These challenges range from minor inconveniences (like car trouble) to major catastrophes (like the loss of a job).    Unfortunately, most of us are ill-prepared for such curveballs when they strike. That's because the majority of Americans have little to no emergency savings. A recent survey found that the average American would be unable to cover an unplanned bill costing $500 without selling personal assets or borrowing money.     Why Having an Emergency Fund Is So ImportantThere are many reasons why having an emergency fund is important. First, it can ease the financial burden of unexpected events. Second, it can improve your credit score. And third, it can help you stay on track with your long-term financial goals. Here are some examples of how an emergency fund can help you in a financial pinch:    - You lose your job - If you lose your job, you may be eligible for unemployment benefits. However, the duration and amount of these benefits vary from state to state. Furthermore, they are not meant to be a long-term source of income: maximum benefits last a few months at most.    - You have a medical emergency - Medical emergencies are common. You never know when you or a loved one might suffer from a serious illness or injury. Having a health insurance policy can help you get the care you need. However, health insurance alone does not cover all costs associated with medical care.    - You incur major home-maintenance costs - Homeowners often encounter unexpected expenses when maintaining their property. These may include roof repair, plumbing issues, and electrical malfunctions.    - You have a financial emergency - Financial emergencies occur when you need quick cash to meet a payment or cover an expense when you're short on funds. - You have a sudden car repair    - Cars are expensive, and they break down all the time. If you're lucky, you'll need a minor repair that...