Outgrow's Marketer of the Month

John Hearty leads AI Governance at Mastercard, ensuring that AI systems the company builds or buys are fair, transparent, and effective. He drives responsible AI adoption, engages regulators, and advances tools, training, and research to embed AI ethics across the organization. With a background in R&D and global payments infrastructure, John holds 40+ patents and serves on ISO AI standards committees. On The Menu:Trust as foundation: Mastercard's AI governance philosophy explainedEvaluating AI systems for efficacy, fairness, and transparencyGenerative AI's transformative impact on marketing and creativityBuilding responsible AI solutions with external suppliers effectivelyThe evolution from R&D to AI governance leadershipThe future of marketing in chatbot and agent-based systemsCreating shared AI capabilities that elevate entire organizations

The Changing Economics of IoT

Building a Compliant and Scalable FinTech Ecosystem

⚙️ Optimizing Data for Better ROI and Efficiency

Public + Private Innovation Will Shape the Future of PaymentsEric Tak, Head of Division, Digital Euro Product Proposition, European Central Bank, emphasized that while crypto isn't likely to take off in everyday retail payments yet, the bigger picture lies in the collaboration between the public and private sectors.The Digital Euro will provide a secure, stable platform for basic payments, a foundation on top of which licensed financial institutions and fintech players can build new services, user experiences, and value-added layers.In other words, the innovation isn't replaced, it's enabled.The Digital Euro sets the rails.The private sector drives the train. Listen to the full podcast now- https://bit.ly/4lk6zer#DigitalEuro #CentralBankDigitalCurrency #ECB #PaymentsInnovation #Fintech #FutureOfMoney #FinancialInfrastructure #PublicPrivatePartnership #EuropeFintech #CBDC

Harish Sarma is an accomplished executive with extensive experience spanning technology, sports, media & entertainment, built on a foundation in investment banking. As VP of Business Development and Partnerships at Yahoo Mail, he focuses on growing key metrics through strategic partnerships and business development. On The Menu:Yahoo Mail's revolutionary Catchup feature for inbox managementThe shift from TikTok to Yahoo Mail leadershipHow consumer behavior changed content consumption foreverPartnership strategies for explosive platform growthInteroperability across Gmail, Outlook, and Yahoo MailFuture of broadcasters and legacy media adaptation

☁️ Hybrid Cloud + AI = The Future of Modern BankingAccording to Kamini Belday, Head of Global Payments, IBM Cloud, hybrid cloud isn't just a tech upgrade; it's a transformation strategy.It allows banks to leap from legacy monolithic systems into flexible, microservice-based architectures while still maintaining compliance and control.With a hybrid cloud, financial institutions can:✅ Leverage AI to deeply understand customer behavior

"Money with Context, The Magic of Managing Clients and Cash Together" For Oz Alon, Co-founder & CEO, HoneyBook, true business clarity begins when creatives manage clients and cash in one place.

Andy Hood is Vice President of Emerging Technologies at WPP, where he leads innovation across 100,000+ creative professionals through the WPP Open AI platform. A night owl who discovered creative technology at 28, Andy has spent 25 years at the intersection of creativity and emerging tech, from his early days at AKQA to serving as jury president at Cannes Lions 2017. On The Menu:Why generative AI is transforming advertising and marketingThe role of human creativity in an AI-driven worldHow AI does the production legwork, not creative thinkingM-shaped professionals: The future of creative techWPP's creative technology apprenticeship program explainedWPP Open platform: Democratizing AI for creative teams

⚖️ The EU AI Act's Biggest Hurdle: Regulating AI That's Already in UseMatthew Blakemore, CEO at AI Caramba!, highlights a pressing challenge with the EU AI Act. While the framework does a strong job of classifying AI projects into risk categories, it faces a dilemma with tools that are already in widespread public use. Many existing systems, some of which likely fall into high-risk categories, have already been trained and adopted by millions. The question becomes: should they be withdrawn, despite their popularity, or adapted under new rules? Listen to the full podcast now- https://bit.ly/40GZ9bw #AI #ArtificialIntelligence #AIRegulation #TechPolicy #AICompliance #AIInnovation #AITransformation

Rollo Goldstaub is the Global Head of Sports Partnerships at TikTok. Rollo oversees Sports Content Partnership, Business Development, Strategy, and Operations, harnessing the power of TikTok for the largest Sports partners in the world. The Sports Partnerships team at TikTok excels in strategic management of the largest leagues, teams, federations, and broadcasters, supporting them in discovering their next generation of fans.On The Menu:Data-Driven Sports Partnership Strategies at TikTokTikTok's Unique Value Proposition for Sports PublishersGen Z Sports Discovery Through Creator ContentLong-term Strategic Alignment Beyond Viral CampaignsCreative Content Formats: Split-Screen Highlights InnovationCross-Platform Attribution: Direct Broadcaster Deep Links

Igor Mikhalev, Partner and Head of Emerging Technologies Strategy, EY-Parthenon, emphasizes that while AI has traditionally been used to optimize tasks like refining marketing messages or improving conversion strategies, its real potential lies in augmenting human creativity rather than replacing it. He advocates for a balance where AI supports experimentation and exploration, enabling teams to dream bigger and envision possibilities beyond what the raw data suggests. AI becomes an innovation partner, enhancing human ingenuity instead of constraining it.Listen to the full podcast now- https://bit.ly/41yIYPc#AI #HumanCreativity #Innovation #DataDriven #MarketingTech #IgorMikhalev #Outgrow"

Mareme on Green Innovation & Entrepreneurship CultureMareme Dieng, Partner at 500 Global and a Forbes Afrique 30 Under 30 honoree, explains, “How do we let green ignite excitement in the world, even by itself?”She believes that culture plays a crucial role in shaping entrepreneurship:"In the U.S., young people are taught early to spot opportunities. It's not just about building companies, it's about recognizing why and how you build them."

Matthew Blakemore, CEO at AI Caramba!, reflects on the recent debates around AI regulation with a healthy dose of scepticism. He highlights how companies like OpenAI, having already secured a competitive advantage through their vast training data, may now be pushing for regulation not purely from an ethical standpoint, but as a way to protect their lead and limit competition.He acknowledges the importance of frameworks like the upcoming EU AI Act, which will play a critical role in shaping how AI is built and deployed in the future. The real test is ensuring safety and accountability without stifling innovation and fair competition.Listen to the full podcast now- https://bit.ly/40GZ9bw#AI #EUAIAct #MatthewBlakemore #TechRegulation #ArtificialIntelligence #Outgrow

Igor Mikhalev, Partner and Head of Emerging Technologies Strategy, EY-Parthenon, explains that creating innovative solutions is both an art and a science.Science provides the data, a clear, centered perspective of where the world is and where it was just days ago.But true breakthroughs, he says, come from human creativity and ingenuity, stretching the limits of what's possible.""The symbiosis of data and human imagination is where the real magic happens,"" Igor emphasizes.✨ Data guides us. Creativity drives us forward.Listen to the full podcast now- https://bit.ly/41yIYPc#IgorMikhalev #Innovation #ArtAndScience #Creativity #DataDriven #FutureOfTech #Inspiration #TechThoughts"

Kai Hackbarth, Head of Product and Solutions at Bosch, shares that he has been a strong believer in open standards because they are what bring communities together and enable the growth of ecosystems.He explains that alongside open standards, open source plays a crucial role. At Bosch, this has been a long-standing commitment, with the company actively promoting initiatives like the Eclipse Foundation and building open-source projects that form the foundation of their IoT platform.

Tanis Jorge, Founder of The Cofounder's Hub and Trulioo, reflects on the natural evolution every founder experiences. In the early days, she explains, entrepreneurs must be a jack of all trades, handling everything from marketing and bookkeeping to, as she humorously puts it, “being the janitor in your food room.”""Specialization happens eventually, and that's healthy. Founders need to discover where they're best suited in their own business and let go of the rest,"" Tanis emphasizes.Growth requires evolution. Listen to the full podcast now- https://bit.ly/4m4OyA4#TanisJorge #Entrepreneurship #Startups #FounderJourney #BusinessGrowth #Leadership"

Eric Tak, Head of Division, Digital Euro - Product Proposition, European Central Bank, emphasizes that while most people today have few problems paying digitally, there are still challenges for those without modern smartphones or who prefer not to use them. “We see these pockets where people struggle,” he explains.Eric adds, “Privacy remains the biggest concern for more than 50% of people when paying digitally. That's why we aim to offer not just high privacy, but even cash-like anonymity for offline digital euro transactions.”“We want to make sure these transactions can never be stored, retrieved, or seen by anyone else,” Eric says.

Rolandas Juteika, CEO & Chairman of the Board at Revolut Securities Europe and Head of Wealth and Trading at Revolut, explains, “FinTech companies are faster, more flexible, and cheaper compared to traditional banks.”He says, “They don't struggle with old, inflexible core systems. Instead, they're plug-and-play businesses, easily integrating new services.”⚡

Samuel Beek is the Chief Product Officer at VEED.IO, one of the world's fastest-growing online video editing platforms. With a strong background in engineering and design, Sam combines creativity with strategic thinking to build tools that empower millions of content creators globally. On The Menu:1. Creative pragmatism philosophy in product decision-making2. AI-first approach to video editing innovation3. Growth hacking through Google search trend analysis4. Building VEED's ChatGPT store integration success5. Cross-departmental collaboration between product, engineering, and marketing6. Social media addiction challenges for tech leaders7. Future vision for AI-generated versus human-created contentClick here for a free trial: https://bit.ly/495qC9UFollow us on social media to hear from us more -Facebook- https://bit.ly/3ZYLiewInstagram- https://bit.ly/3UsdrtfLinkedin- https://bit.ly/43pdmdUTwitter- https://bit.ly/43qPvKXPinterest- https://bit.ly/3KOOa9uHappy creating!#SamuelBeek #Veed #Outgrow #Marketing #Shipping #MarketerOfTheMonth #Podcastoftheday #Marketingpodcast

Hugo Hamad, Head of AI/Gen AI Factory, AXA en France, ex-director of AI, Decathlon, points out a common pitfall in how organizations approach AI adoption. “Many companies invest in platforms, clusters, and big data without realizing that what we truly need are data engineers, ML engineers, and AI experts,” he explains.He continues, “Some businesses focus only on hiring data scientists. But in reality, we need much more than data scientists alone to deliver real value and build AI solutions.”According to Hugo, tech companies often emphasize practice and talent but neglect implementing the right AI technologies and tools. “To succeed, we must concentrate on three pillars: process, platform, and people. Only then can we deliver meaningful AI solutions, whether for clients or internal teams.”⚡ The AI equation isn't complete without balance: People + Process + Platform.Listen to the full podcast now- https://bit.ly/46iLetz#AI #MachineLearning #DataScience #FutureOfWork #TechInnovation #DigitalTransformation #Decathlon

Kamini Belday, Head of Global Payments, IBM Cloud, highlights that “fraud is at the center of everything we do.” She explains that the real challenge isn't just combating fraud after it happens, but predicting and preventing it with the power of predictive AI, something she finds far more exciting for the future of global payments.“Whether it's your checking account, mortgage, stablecoin, or card credentials in your Apple Wallet, security must travel with you everywhere.” The goal, she explains, is to ensure people can use the same secure credentials seamlessly across different payment methods, devices, and geographies, without losing trust or time.

Combatting Climate Change with Philipp Schulte

Igor Mikhalev is a Partner and Head of Disruptive Strategies at EY Parthenon globally, where he spearheads emerging technology initiatives and champions Capitalism 2.0 principles. With a vision that extends far beyond traditional business metrics, Igor advocates for stakeholder-centric models that prioritize human well-being, equity, and authentic purpose-driven connections.On The Menu:1. Capitalism 2.0: Stakeholder impact over shareholder returns.2. Data vs Creativity: Art and science symbiosis in campaigns.3. Emotional Intelligence: AI's role in brand narratives.4. Authentic Communication: Sincerity over corporate jargon.5. Decentralized Technologies: Peer-to-peer value exchange revolution.6. AI Augmentation: Enhancing human potential over replacement.7. Measurement Revolution: GDP to well-being metrics transformation.Click here for a free trial: https://bit.ly/495qC9UFollow us on social media to hear from us more -Facebook- https://bit.ly/3ZYLiewInstagram- https://bit.ly/3UsdrtfLinkedin- https://bit.ly/43pdmdUTwitter- https://bit.ly/43qPvKXPinterest- https://bit.ly/3KOOa9uHappy creating!#IgorMikhalev #EY #Outgrow #Marketing #AI #MarketerOfTheMonth #Podcastoftheday #Marketingpodcast

Brice van de Walle is the Executive Vice President of Core Payments Europe at Mastercard, bringing extensive expertise in the global payments ecosystem. As a passionate payments professional, he has driven transformative initiatives across multiple regions and markets, demonstrating exceptional leadership in market development, sales, product management, and business strategy.On The Menu:1. Competition Driving Innovation in Payment Ecosystem Security.2. Tokenization eliminates Manual Card Entry for Seamless Checkout.3. Click to Pay and Passkeys Revolutionizing User Experience.4. European Consumer Expectations for Speed, Security, and Trust.5. Traditional Card Payments Adapting to Digital Wallet Competition.6. Mastercard's Partnership Strategy with Fintech Innovators Explained.7. Balancing Security Verification with Frictionless User Experience Demands.Click here for a free trial: https://bit.ly/495qC9UFollow us on social media to hear from us more -Facebook- https://bit.ly/3ZYLiewInstagram- https://bit.ly/3UsdrtfLinkedin- https://bit.ly/43pdmdUTwitter- https://bit.ly/43qPvKXPinterest- https://bit.ly/3KOOa9uHappy creating!#BriceVanDeWalle #Mastercard #Outgrow #Tokenization #DebitCards #MarketerOfTheMonth #Podcastoftheday #Marketingpodcast

"A digital euro would be a separate balance and a service distributed through your bank or another financial institution, just like a PayPal account you can top up and use for payments."– Eric TakEric Tak , Head of Division, Digital Euro - Product Proposition, European Central Bank, explains that funding could happen in multiple ways, directly during a transaction, up front, or even on a regular schedule.It could live inside your banking app, as a standalone app, or even take the form of accessible cards for those less digitally savvy.The vision? A seamless, inclusive payment experience that works for everyone, from tech early adopters to those who still prefer physical cards.Listen to the full podcast now- http://bit.ly/4fH4TJF#DigitalEuro #FutureOfPayments #BankingInnovation #EricTak #Fintech #Payments #Outgrow "

Building at Speed: Oz Alon on Scaling Across Continents and Industries

"Even young people, the most digitally savvy, are also the ones seeking the most human interactions with their banks."As Sophie Heller, COO of Group BNP Paribas, puts it, the future of banking isn't about choosing between digital or human; it's about building both in parallel to create more touchpoints, more trust, and now with generative AI, even more personalized assistance.Listen to the full podcast now- http://bit.ly/3JncW2e#DigitalTransformation #GenAI #CustomerExperience #BankingInnovation #Outgrow #AI

Pavan Bachwal is a seasoned fintech leader with over 20 years of global experience in executive management, marketing, and GTM strategy. As vice president and head of financial services at Ericsson, he combines deep technical know-how with strategic marketing to drive innovation, partnerships, and customer value across markets. On The Menu:1. Leveraging Transaction Data for Competitive Advantage - API usage and feature optimization.2. Adapting African Mobile Money Success for Europe - Regulatory and market differences.3. Parental Control Innovation for European Markets - Family-focused financial services features.4. Four Pillars of Robust Go-to-Market Strategy - Technology, people, organization, licensing.5. Evolutionary vs Revolutionary Geographic Expansion - Stepwise growth over hockey stick dreams.6. Future of FinTech Marketing Trends - AI, digital assets, and real-time transactions.7. Compliance Requirements for European Deployment - GDPR, SAPA, SWIFT integrations.Click here for a free trial: https://bit.ly/495qC9UFollow us on social media to hear from us more -Facebook- https://bit.ly/3ZYLiewInstagram- https://bit.ly/3UsdrtfLinkedin- https://bit.ly/43pdmdUTwitter- https://bit.ly/43qPvKXPinterest- https://bit.ly/3KOOa9uHappy creating!#PavanBachwal #Ericsson #Outgrow #ProductLaunches #Data #MarketerOfTheMonth #Podcastoftheday #Marketingpodcast

Jan-Christophe Oetjen, Vice President of the European Parliament, cuts straight to the heart of the autonomous technology debate - it's not about the tech itself, it's about keeping people safe. Whether we're talking about drones delivering packages or self-driving cars on highways, Oetjen emphasizes that safety and security must be non-negotiable from day one. He addresses the common fear about job displacement, but frames it like any other automation wave we've seen before. The real focus should be on ensuring these systems won't fail when human lives are on the line. Oetjen reveals that the European Parliament is actually bullish on the drone industry, seeing it as a job creator rather than job killer - but only if safety standards are rock solid. It's a pragmatic take from someone making policy decisions that will shape how autonomous tech rolls out across Europe.Watch the full episode here

Tanis Jorge opens up about a fascinating paradox in his entrepreneurial journey. After 25+ years of building successful businesses with his high school best friend and co-founder - including multiple successful exits - he found himself questioning his own abilities when he went solo for the first time. Ironically, his new venture is The Cofounder's Hub, a business focused on partnership strategies, yet he's building it alone. Jorge candidly admits he's caught between self-doubt and belief, wondering if his previous success was due to the partnership dynamic rather than his individual capabilities. He's refreshingly honest about being "in the middle of the ride" - not completely doubting himself, but not at 100% confidence either. It's a raw look at how even seasoned entrepreneurs face imposter syndrome when stepping outside their comfort zone.Watch Full Podcast- http://bit.ly/4f7g6D3

Vitor Asseituno breaks down the harsh reality of building multidisciplinary healthcare teams. Everyone talks about bringing together doctors, developers, engineers, and business people, but simply putting a 60-year-old physician next to an 18-year-old coder doesn't magically create collaboration. The secret sauce? People who are already multidisciplinary themselves. Asseituno, a physician who coded before medical school and runs companies, serves as a natural translator between worlds. His team includes doctors from McKinsey with MBAs, lawyers who understand healthcare, and businessmen who've built hospitals. These "bridge people" become the connectors who can actually make interdisciplinary collaboration work, rather than just hoping different expertise will somehow mesh together.Watch Full Podcast- http://bit.ly/4lS6mPQ

Jan-Christophe Oetjen, Vice President of the European Parliament, emphasizes the critical role of policy in creating economic opportunity. He argues that effective governance isn't just about regulation - it's about building the foundational ecosystem that allows businesses to thrive and generate employment. Oetjen highlights how smart policy creates a competitive environment where companies can innovate, profit, and most importantly, create jobs. His perspective focuses on the practical link between good infrastructure, supportive policies, and real economic growth that benefits everyone.Watch the full episode here

Tanis Jorge, Founder of The Cofounder's Hub and Trulioo, gets real about self-belief - it's not a constant state, it's a rollercoaster with inevitable highs and lows. The key insight? Recognizing that self-doubt is temporary prevents you from getting stuck in those low moments forever. Jorge emphasizes how reading stories of other entrepreneurs who've survived their own rollercoasters becomes essential fuel for resilience. It builds a mental framework that reminds you, "this too shall pass" when times get tough. Her advice centers on believing in your unique ability to make your venture work while avoiding the trap of comparing yourself to others. It's about developing sustainable confidence that can weather the inevitable ups and downs of entrepreneurship.Watch Full Podcast- http://bit.ly/4f7g6D3

Vitor Asseituno, Co-founder & President of Sami, breaks down why healthcare isn't just another industry - it's THE industry that affects all 7 billion people on the planet. His perspective is refreshingly simple: everyone needs healthcare to stay alive and well, so getting it right matters universally. Asseituno explains how management and technology aren't just buzzwords in healthcare - they're essential tools that make care more affordable, efficient, and actually pleasant for patients. He positions management as the strategy and technology as the enabler, working together to transform an industry that literally determines quality of life for everyone. It's about using smart systems to help humanity live better.Watch Full Podcast- http://bit.ly/4lS6mPQ

Jan-Christophe Oetjen, Vice President of the European Parliament, proposes a game-changing approach to airspace safety: mutual visibility. While drones are required to be detectable by aircraft, he argues it should work both ways. Aircraft should share their data with drone operators, creating a two-way transparency system. It's not about visual sight - it's about data sharing that lets drone pilots know what else is in their airspace. Oetjen frames this as a fairness issue: if drones must announce their presence, traditional aircraft should do the same. This reciprocal visibility could be the key to safer, more integrated airspace management as drone usage continues to explode.Watch the full episode here