Interchange at Bond

Our guest this week is Cristina Vila Vives, Chief Executive Officer @ Cledara. Cristina's back on to share updates and an announcement about Cledara's future! Cledara helps companies manage, control and automate their SaaS so that they can scale operational processes, comply with regulations and save money. If you missed our first conversation, you can https://open.spotify.com/episode/0tkmFFD8ghRXPvJHaCCHUD?si=6f1c3fbbad924a16 (catch up here). Helpful links: https://www.cledara.com/ (Cledara Website) https://www.linkedin.com/in/cvilavives/ (Cristina on Linkedin) https://twitter.com/Cledara (Cledara on Twitter) Cledara announcement We want to hear from you! Reach out to the host and producer personally at zach@bond.tech if you want to dive deeper, suggest topics, or learn more about what we do at Bond. Otherwise, to learn more about Bond, you can always send us a note at hello@bond.tech.

Our guest this week is Christian Zimmerman, Chief Executive Officer at Qoins. Qoins automates extra payments towards consumer debt and helps them save extra money every month. Helpful links: https://qoins.io/ (Qoins Website) https://republic.co/qoins (Republic Campaign) https://www.linkedin.com/in/christianzim/ (Christian on Linkedin) We want to hear from you! Reach out to the host and producer personally at zach@bond.tech if you want to dive deeper, suggest topics, or learn more about what we do at Bond. Otherwise, to learn more about Bond, you can always send us a note at hello@bond.tech.

Our guest this week is Kurtis Lin, Chief Executive Officer at Pinwheel. Pinwheel is a payroll connectivity API company used by financial institutions to securely update direct deposits and access income and employment data.  Helpful links: https://www.pinwheelapi.com/ (Pinwheel Website) https://www.linkedin.com/in/kurtislin/ (Kurtis on Linkedin) We want to hear from you! Reach out to the host and producer personally at zach@bond.tech if you want to dive deeper, suggest topics, or learn more about what we do at Bond. Otherwise, to learn more about Bond, you can always send us a note at hello@bond.tech.

Our guest this week is Marcus Lobendahn, VP of Strategic Partnerships at Bond. Helpful links: https://www.bond.tech/careers (Bond Careers) https://www.bond.tech/ (Bond Website) https://www.linkedin.com/in/marcus-lobendahn/ (Marcus on Linkedin) We want to hear from you! Reach out to the host and producer personally at zach@bond.tech if you want to dive deeper, suggest topics, or learn more about what we do at Bond. Otherwise, to learn more about Bond, you can always send us a note at hello@bond.tech.

Our guest this week is Jack Alton, Chief Executive Officer at Neuro-ID. Neuro-ID is on a mission to unlock the world's behavioral data. Helpful links: https://www.linkedin.com/in/jackalton/ (Jack on Linkedin) https://www.neuro-id.com/ (Neuro-ID Website) We want to hear from you! Reach out to the host and producer personally at zach@bond.tech if you want to dive deeper, suggest topics, or learn more about what we do at Bond. Otherwise, to learn more about Bond, you can always send us a note at hello@bond.tech.

Our guest this week is Lindsay Davis, Head of Markets at Atomic, one of the industry leaders in the payroll APIs for direct deposit acquisition. Helpful links: https://www.linkedin.com/in/lindsay-crusan-davis/ (Lindsay on Linkedin) https://twitter.com/lcdavis1225 (Lindsay on Twitter) https://atomic.financial/ (Atomic Website) We want to hear from you! Reach out to the host and producer personally at zach@bond.tech if you want to dive deeper, suggest topics, or learn more about what we do at Bond. Otherwise, to learn more about Bond, you can always send us a note at hello@bond.tech.

Our guests this week are Craig Lewis and Ethan Austin @ GigWage. GigWage enables the world's innovators to instantly pay 1099 workers with more control, flexibility & scale. Helpful links: https://gigwage.com/ (GigWage Website) https://www.linkedin.com/in/mrfutureofwork/ (Craig Lewis on Linkedin) https://www.linkedin.com/in/fintech-investor/ (Ethan Austin on Linkedin) https://twitter.com/GigWage (GigWage on Twitter) We want to hear from you! Reach out to the host and producer personally at zach@bond.tech if you want to dive deeper, suggest topics, or learn more about what we do at Bond. Otherwise, to learn more about Bond, you can always send us a note at hello@bond.tech.

Our guests this week are Dave Salvant and Songe LaRon, Co-Founders @ SQUIRE. SQUIRE gives barbershops the technology they need to succeed in today's fast paced environment. Bond and SQUIRE announced the launch of the SQUIRE Card this week! See the press release in the helpful links. Helpful links: https://www.getsquire.com/ (SQUIRE Website) https://www.prnewswire.com/news-releases/barbershop-fintech-squire-brings-financial-services-to-underserved-industry-301357493.html (Press Release) https://ultranyc.com/ (Ultra NYC) https://www.linkedin.com/in/davesalvant/ (Dave on Linkedin) https://www.linkedin.com/in/songe/ (Songe on Linkedin) We want to hear from you! Reach out to the host and producer personally at zach@bond.tech if you want to dive deeper, suggest topics, or learn more about what we do at Bond. Otherwise, to learn more about Bond, you can always send us a note at hello@bond.tech.

Our guest this week is Dan Rose, Chairman @ Coatue Ventures. As part of the Bond Speaker Series, Dan shared a formative story in his career involving Sheryl Sandberg, a 360 review, and some raw feedback. Helpful links: https://www.linkedin.com/in/dlrose/ (Dan on Linkedin) https://twitter.com/DanRose999 (Dan on Twitter) https://www.coatue.com/ (Coatue Ventures Website) We want to hear from you! Reach out to the host and producer personally at zach@bond.tech if you want to dive deeper, suggest topics, or learn more about what we do at Bond. Otherwise, to learn more about Bond, you can always send us a note at hello@bond.tech.

Our guest this week is Brittney Lee Harvey, Recruiter @ Bond. We cover Britt's unique youth, how acting and working in casting led her to recruiting, and why financial literacy is of paramount importance to her. Helpful links: https://www.linkedin.com/in/brittneyleeharvey/ (Brittney on Linkedin) https://www.bond.tech/careers (Bond Careers) https://twitter.com/bondfintech (Bond on Twitter) We want to hear from you! Reach out to the host and producer personally at zach@bond.tech if you want to dive deeper, suggest topics, or learn more about what we do at Bond. Otherwise, to learn more about Bond, you can always send us a note at hello@bond.tech.

Our guest this week is Cristina Vila Vives, Chief Executive Officer @ Cledara. Cledara helps companies manage, control and automate their SaaS so that they can scale operational processes, comply with regulations and save money. Helpful links: https://www.cledara.com/ (Cledara Website) https://www.linkedin.com/in/cvilavives/ (Cristina on Linkedin) https://twitter.com/Cledara (Cledara on Twitter) We want to hear from you! Reach out to the host and producer personally at zach@bond.tech if you want to dive deeper, suggest topics, or learn more about what we do at Bond. Otherwise, to learn more about Bond, you can always send us a note at hello@bond.tech.

Our guest this week is Riddhiman Das, Chief Executive Officer @ TripleBlind. We cover the advent of Enterprise Data Privacy as a Service, Riddhiman's experience at Ant Financial uncovering the problem that TripleBlind solves today, and what the future holds for privacy in financial services. Helpful links: https://twitter.com/rdasxy (Riddhiman on Twitter) https://tripleblind.ai/ (TripleBlind Website) https://twitter.com/TripleBlindAI (TripleBlind on Twitter) We want to hear from you! Reach out to the host and producer personally at zach@bond.tech if you want to dive deeper, suggest topics, or learn more about what we do at Bond. Otherwise, to learn more about Bond, you can always send us a note at hello@bond.tech.

Our guest this week is Flori Marquez, Co-Founder & SVP of Operations @ BlockFi. We cover the importance of perseverance, the importance of engaging with regulators early, and how to move fast while knowing what you can and cannot break. Helpful links: https://www.linkedin.com/in/flori-marquez-5020a021/ (Flori on Linkedin) https://twitter.com/FounderFlori (Flori on Twitter) https://blockfi.com/ (BlockFi Website) We want to hear from you! Reach out to the host and producer personally at zach@bond.tech if you want to dive deeper, suggest topics, or learn more about what we do at Bond. Otherwise, to learn more about Bond, you can always send us a note at hello@bond.tech.

Our guest this week is https://www.linkedin.com/in/amirwain/ (Amir Wain), CEO @ https://www.i2cinc.com/ (i2c), a leading Issuer Processor partnered with many of the leading financial technology companies. We cover Amir's journey as an immigrant entrepreneur in the US, what i2c does and where processors fit in the puzzle of fintech, and how i2c has grown into the processing behemoth it is today. Helpful links: https://www.linkedin.com/in/amirwain/ (Amir on linkedin) https://www.i2cinc.com/ (i2c Website) We want to hear from you! Reach out to the host and producer personally at zach@bond.tech if you want to dive deeper, suggest topics, or learn more about what we do at Bond. Otherwise, to learn more about Bond, you can always send us a note at hello@bond.tech.

Our guest this week is Trent Bigelow, CEO @ https://www.withabound.com/ (Abound), the infrastructure company for the independent economy. In this episode, we cover Trent's journey as a founder to product market fit and distribution market fit, the future of the freelance, and how the pandemic has impacted the independent economy. Helpful links: https://www.linkedin.com/in/trentbigelow/ (Trent on Linkedin) https://twitter.com/trentbigelow (Trent on Twitter) https://boards.greenhouse.io/abound (Abound Careers) We want to hear from you! Reach out to the host and producer personally at zach@bond.tech if you want to dive deeper, suggest topics, or learn more about what we do at Bond. Otherwise, to learn more about Bond, you can always send us a note at hello@bond.tech.

Our guest this week is Roy Ng, CEO @ https://www.bond.tech/ (Bond), the embedded finance company. We cover Roy's family journey to the United States, what about that experience drove him into financial services, and how it all culminated in co-founding Bond. Helpful links: https://www.linkedin.com/in/royandrewng/ (Roy on Linkedin) https://twitter.com/royandrewng (Roy on Twitter) https://www.bond.tech/careers (Bond Careers) We want to hear from you! Reach out to the host and producer personally at zach@bond.tech if you want to dive deeper, suggest topics, or learn more about what we do at Bond. Otherwise, to learn more about Bond, you can always send us a note at hello@bond.tech.

Our guest this week is Jordan Wright, CEO @ https://atomic.financial/ (Atomic), the industry leader in payroll APIs for direct deposit acquisition. We cover Jordan's "aha moment" that led to founding Atomic, the value of a direct deposit, and general advice for community banks and fintech founders.  Helpful links: https://www.linkedin.com/in/wrightjordan/ (Jordan on Linkedin) https://atomic.financial/ (Atomic Website) We want to hear from you! Reach out to the host and producer personally at zach@bond.tech if you want to dive deeper, suggest topics, or learn more about what we do at Bond. Otherwise, to learn more about Bond, you can always send us a note at hello@bond.tech.

Our guest this week is John Beccia, CEO @ FS Vector. We cover John's unique journey into the world of fintech from the banking industry, why a licensing roadmap matters at every stage, and John helps us unpack what the future of policy might hold with the new administration.  Helpful links: https://www.linkedin.com/in/john-beccia-b9227a26/ (John on Linkedin) https://www.fsvector.com/ (FS Vector) https://www.fsvector.com/raft (RAFT) https://podcasts.apple.com/us/podcast/responsible-innovation-amy-friend-john-beccia-fs-vector/id1456434985?i=1000502638378 (For Fintech's Sake with John Beccia + Amy Friend) We want to hear from you! Reach out to the host and producer personally at zach@bond.tech if you want to dive deeper, suggest topics, or learn more about what we do at Bond. Otherwise, to learn more about Bond, you can always send us a note at hello@bond.tech.

There has been a lot of talk about the term "bank" this week. Chime has agreed to stop using the term in their marketing after a settlement with The California Department of Financial Protection We bring in an expert in https://www.bond.tech/ (Bond)'s Senior Counsel, https://www.linkedin.com/in/michael-chung-7768125/ (Michael Chung), to discuss. He helps us unpack the nuance in the settlement, what it means for the industry, and how much the term “bank” even matters for the future of fintech. Here are some helpful links with more background: https://dfpi.ca.gov/wp-content/uploads/sites/337/2021/04/Admin.-Action-Chime-Financial-Inc.-Settlement-Agreement.pdf (The Settlement Agreement) https://www-forbes-com.cdn.ampproject.org/c/s/www.forbes.com/sites/ronshevlin/2021/05/10/if-chime-isnt-a-bank-then-what-is-it/amp/ (If Chime Isn't a Bank, Then What Is It?) by https://www.linkedin.com/in/ronshevlin/ (Ron Shevlin) in Forbes https://techcrunch.com/2021/05/05/chime-has-agreed-to-stop-using-the-word-bank-after-a-california-regulator-pushed-back/ (Chime has agreed to stop using the word 'bank' after California regulator pushed back )by https://twitter.com/cookie (Connie Loizos) in TechCrunch We want to hear from you. Reach out to the host and producer personally at zach@bond.tech if you want to dive deeper, suggest topics, or learn more about what we do at Bond. Otherwise, to learn more about Bond, you can always send us a note at hello@bond.tech.

Our guest this week is Arlene Dzurnak, Chief Compliance Officer at Bond. We cover why compliance can't be an afterthought, the data problem in financial services, and why Arlene joined Bond to build the solution to the myriad problems she's seen throughout her career. Helpful links: https://www.linkedin.com/in/ad123/ (Arlene on Linkedin) https://www.bond.tech/ (Bond Website) https://www.bond.tech/careers (Bond Careers) https://www.chief.com/ (Chief.com) We want to hear from you! Reach out to the host and producer personally at zach@bond.tech if you want to dive deeper, suggest topics, or learn more about what we do at Bond. Otherwise, to learn more about Bond, you can always send us a note at hello@bond.tech.

Welcome to Interchange at Bond! Interchange is a place for conversation, questioning, and open learning about the future of embedded finance. We will interview leaders from across the world of financial services, technology, and dig into what the future holds as fintech eats the world one bite at a time.  Financial services is changing faster than it ever has. The space is busier than it's ever been. Funding rounds larger than we've ever seen. Fintech is slowly going mainstream.  It's becoming ubiquitous, but we still have a long way to go.  Buzzwords are pervasive, but what's really happening? What's really going to have an impact on the people who need these services at the end of the day? Are these just trends or are we truly witnessing a seismic shift in how we as humans will interact with financial services forever.  From the start of fintech 1.0 back in the day, to blockchains, to finance finally meeting people where they live across the world. We'll explore the stories of the leaders, technologists, and regulators building that future.  We want to start a conversation. This isn't a one way dialogue. We want to hear from you. Reach out to the host and producer personally at zach@bond.tech if you want to dive deeper, suggest topics, or learn more about what we do at Bond. Otherwise, to learn more about Bond, you can always send us a note at hello@bond.tech. First episode coming soon!