Purpose Driven FinTech

In today's episode, we explore how innovative fintech partnerships are tackling the UK's massive £4 billion energy debt crisis through compassionate collections and flexible payment solutions.I speak with Fliss Berridge, UK Managing Director and Co-Founder at Ordo, and James Sharpe, Sales Director, Digital Native Business at Eviden. We talk about their groundbreaking partnership creating an intelligent recommendation and notification engine that helps consumers manage utility payments in a way that matches their actual income patterns, not arbitrary monthly billing cycles.Their solution combines open banking, AI, and a deep understanding of customer behavior to transform how utilities collect payments while making financial management more accessible and humane for consumers struggling with the cost of living crisis.

In this episode, I speak with Natalya Thakur, Founder of Knox, and Kevin Hoang Founder of EQ Exchange (EQX), two innovative founders who are tackling the fundamental issue of trust in the digital assets space

The financial industry is transforming rapidly, with traditional banking giving way to innovative FinTech solutions that are reshaping how people interact with money worldwide.In this solo episode, I share my personal journey from traditional banking to building FinTech startups and products across multiple continents, revealing the challenges, insights, and transformational lessons learned along the way. From my first steps into product leadership to scaling products to millions of users, I share the journey, what helped me succeed and the mistakes that taught me the most valuable lessons.What you'll learn:How I transitioned from traditional banking to the dynamic world of FinTechMy unexpected path into product leadership How I ended up in Malaysia - from startup to scaleupThe reality of building financial products across different markets and culturesKey insights from 10 years of FinTech product developmentFollow for more discussions on building FinTech products with customer and commercial impact and to stay updated on the latest episodes.

FinTech LaTam is booming; but it's not just just about digital transformation - we have the power to transform the region, but to do so, we must do a paradigm shift and focus on infinite adaptation and human-centered innovation.In this episode, I speak with Maria and Ray from FinTech Americas, who share powerful insights about LaTam, building trust in financial services, driving true financial inclusion, and fostering innovation that puts people first. And of course, they reveal why LaTam's unique challenges require a paradigm shift from traditional transformation to continuous adaptation.

We live in a world where marketing acquisition budgets are tight and we have a ton of pressure to deliver growth! - as a result content marketing has emerged as a powerful strategy for FinTech growth. In this episode, I speak with Araminta Robertson, Founder of Mint Studios, and we answer the big question: How to leverage content marketing effectively in the FinTech space?Araminta brings deep expertise in content strategy and SEO and shares insights on building effective content strategies that drive measurable results and explains why bottom-of-funnel content is becoming increasingly crucial in the age of AI.We explore how content can bridge the financial education gap, the strategic approach to SEO in an AI-driven world, and the balance between brand awareness and lead generation. We also discuss the challenges of creating technical content that resonates with B2B audiences and the importance of authentic expertise in content creation.

We all wonder how to incorporate AI into our workflows! Soo I've recorded as special episode on AI in FinTech Product Development! Join me with Jas Shah, founder of Bitsul, and 3rd time guest in the show as we dive deep into how AI can streamline innovation and create more purpose-driven fintechs. We take a very practical approach so you'll learn frameworks for implementing AI, from automating admin tasks to enhancing customer research, and discover how to build sustainable, customer-centric solutions that create lasting valueIf you enjoy this Purpose Driven FinTech pod, please subscribe in YouTube, follow in Spotify, and leave a 5 star rating apple podcast. Remember to connect in LinkedIn to keep the conversation going.Let's get into it!

The AI revolution in FinTech is happening faster than you think! This week I speak with Pawel to explore how AI is transforming financial services and what it means for product leaders.From beating competitors with limited resources to preparing for a future where your customers might be AI copilots - this episode is packed with actionable insights for FinTech leaders who want to stay ahead of the curve.Discover:Why the AI transformation will happen 20x faster than the industrial revolutionHow to identify high-impact AI use cases with limited resourcesReal examples of cross-industry innovation that drove ROI in monthsThe secret to building sustainable, purpose-driven AI productsWhy your 2030 customer might not be human (and how to prepare)Perfect for FinTech leaders, product managers, and innovation teams looking to create lasting impact in an AI-first world.

DORA is here and if you are a FinTech in Europe you MUST listen to this conversation! DORA is the Digital Operational Resilience Act that is effective from 17th Jan, 2025; and will affect all FinTech partners – yes it's a biggy one; potentially bigger than GDPR!In this pod I speak with Wayne Scott, Regulatory Compliance Solutions Lead at Escode. Wayne brings his extensive global regulatory expertise and breaks down why this new European regulation is a game-changer for FinTechs worldwide - and why we should be paying attention NOW.

The Metaverse isn't just a GenZ trend -- it's our chance to rebuild financial services with trust at the core!

Are you feeling that growing pressure of becoming irrelevant in today's fast-paced FinTech landscape? In this episode, I'm going solo and I'm sharing my battle-tested career development framework - the exact approach that has helped me stay ahead in an industry where yesterday's innovations become tomorrow's table stakes. I'll show you how to transform that fear of irrelevance into your biggest advantage, building a strategic career plan that keeps you at the forefront of FinTech innovation.Key Insights:Why traditional goal-setting fails and how strategic development planning leads to lasting career growthThe power of being the driver of your career instead of letting circumstances control your pathHow to identify and leverage growth opportunities in industry, company, and teamThe importance of building distinctive capabilities that make you irreplaceableWhy visibility planning is crucial, especially for women and introvertsWe cover:(00:00) Welcome to 2025: Why Strategic Planning Beats Goal Setting(01:00) My personal story: From Big Banks to FinTech Startups(02:45) The Power of Creating Your Own "Practical MBA"(04:02) 1: Being Strategic About Your Direction(06:00) The Importance of Clarity in Career Planning(07:03) Exercise: Permission to Dream Big(09:07) Being Honest With Your Self-Assessment(13:15) 2: Following the Growth(14:53) Identifying Growing Industries and Companies(16:00) Analyzing Trends and Their Impact on Your Role(19:26) 3: Building Your Capabilities(20:29) Developing Your Value Proposition(22:14) The Power of Unique Combinations(24:03) Creating Your Visibility Plan(26:00) Common Mistakes to Avoid(27:10) Action Steps for ImplementationTake Action This Week:The Dream Exercise: Give yourself permission to envision your ideal career without constraintsGrowth Audit: Assess your current skills against where you want to beValue Proposition: Create your unique combination of skills, experiences, and personality traitsFollow for more insights on building successful careers in FinTech and strategic professional development.

Join us for an insightful conversation with Tamara, CEO of Velexa, as we explore how FinTech is revolutionizing wealth management and financial education. From democratizing investment access to building community-driven platforms, discover how Velexa is making financial services more inclusive and less intimidating for everyone.Why education and community are key to next-generation FinTech solutionsHow Brazil became a leader in neobank adoption with 43% population penetrationThe importance of hybrid approaches in empowering women investorsWhy Southeast Asia leads in digital wealth management innovationThe role of AI and ChatGPT in shaping the future of investment adviceBuilding scalable B2B solutions while keeping focus on end-user needsWe cover:(00:00) The Essence of FinTech: Revolutionizing Money Management(02:08) Brazil's FinTech Success Story: From Unbanked to Digital Leaders(03:29) Velexa's Mission: Democratizing Investment Access(05:07) The B2B Approach to Achieving Global Impact(06:10) The Future of WealthTech and Investment Adoption(08:31) Financial Stress and Education: Building Better Solutions(11:03) Gen Z's Approach to Financial Health(14:13) Building Community-Driven Financial Products(15:27) Women in Investment: Challenging Industry Misconceptions(18:38) Velexa's Customer Base and Global Market Differences(22:29) Overcoming Legacy Infrastructure Challenges(24:09) Velexa's Award-Winning Vision and Success Factors(29:18) The Role of AI in Investment Decision-Making(34:56) Responsible Innovation in Financial Education(36:34) Leadership Insights: Creating a Winning Strategy(39:00) CEO Mindset: The Importance of Team and Vision(41:34) The Future of FinTech: Prioritizing Financial EducationIf you're interested in the intersection of FinTech, financial education, and inclusive wealth management, this episode provides valuable insights into building purpose-driven financial solutions that make a real difference in people's lives.Follow for more discussions on building FinTech products with customer and commercial impact and to stay updated on the latest episodes.

Imagine a world where rural communities thrive with access to financial services tailored to their unique needs. That's exactly what Tim Scheffmann, CEO of LTS Ventures, is making possible with the largest digital village banking network in Southeast Asia.In this episode, we dive into the transformative power of FinTech in underserved regions and how Tim is redefining financial inclusion. From adopting cutting-edge AI to ensuring communities have access to emergency funds, LTS Ventures bridges the gap between technology and humanity to create lasting change.How LTS reached profitabilityWhy a strong business model is key to driving meaningful impactHow AI supports fair and efficient credit decisions in rural communitiesThe role of standardization in scaling financial inclusionClimate challenges in Laos and how FinTech is helping villages stay resilientThe secret to building trust in small communities with technology and human connectionTim also shares his journey from growing up in a German village to leading a social enterprise in Laos and the lessons learned from early hesitations to now championing digital village banking.If you're curious about how FinTech can solve real-world problems and how AI is reshaping the credit landscape, this episode is for you!Follow for more discussions on building FinTech products with customer and commercial impact and to stay updated on the latest episodes.We cover:(02:15) Transitioning from NGO Roots to a Profitable Social Enterprise(05:00) The Importance of Business Models in Financial Inclusion(08:00) Scaling to 900+ Villages: Standardization and Technology(10:50) Leveraging AI for Credit Decisioning and Fraud Prevention(15:30) Building Trust: The Role of Community and AI in Lending(18:45) Financial Literacy and Behavioral Change in Rural Communities(22:10) Addressing Climate Challenges with Village Banking(27:30) Village Banking as a Hub for Knowledge and Community Building(31:40) The Human Element in Rural Financial Services(36:10) Lessons Learned: Advocating for Digital Village Banking(39:20) Transforming Financial Inclusion in Rural Laos

Purpose Driven FinTechs are predicated on accessibility and inclusiveness - it's not about building a product that a very few people really love and admire and adore and become early adopters.Fasset is an all-in-one financial super app that allows people and businesses to securely invest, earn, and make payments and they are targeting a broader subsegment of society with financial services using blockchain technology — so that more people to benefit from it!Come behind the scenes with me all the way to the UAE. Meet Umair Javed, Chief Business Officer at Fasset. We discuss how to reach 98% of society with Fasset Connect, the complexities of building a high-performance culture, handling execution challenges, and fostering innovation without getting swayed by technology hype, financial education, rethinking traditional business models to achieve long-term impact - what and much more!Remember to like and subscribe for more episodes like this!

Come behind the scenes of one of the largest NeoBanks in Southeast Asia! Zubin Rada Krishnan, CEO at BigPay, shares BigPay's mission of leveling up people's lives through accessible and simple financial services and explains how BigPay aims to promote financial well-being by shaping positive spending habits and providing innovative financial products.We discuss the unique challenges and opportunities in the Southeast Asian fintech market, the importance of empathy in product development and leadership, BigPay's exciting developments like their expansion into Thailand, their partnership with AirAsia MOVE, their innovative stashes solutions and much more!BigPay is committed to providing the financial services that Southeast Asians need to live better lives, by providing accessible, transparent, simple and secure digital financial services. From cross-border and domestic payments to international transfers, credit, micro-insurance, personal loans, and smart budgeting, BigPay continues to innovate to level-up Southeast Asian lives - one transaction at a time.

The future is about Fintech & Bank Partnerships! And FinConecta is here to make it easier, cheaper and more efficient for all!If you are bank you know you have legacy systems, and that you need new tech to innovateAs a B2B FinTech it is likely you are solving a problem for Banks... Well FinConecta makes it easy for both parties to find each other - And more importantly, to connect to multiple partners with one API. FinConecta supports Financial Institutions in their digital transformation journey. They've created an interconnected network of modern FIs and FinTech solutions from around the world linked through a proprietary platform. and they are building the first global integrated FinTech marketplace.In this episode I had the pleasure to speak with Jorge A. Ruiz M. CEO at FinConecta We talk about:- Purpose- Financial Inclusion- FinConecta's marketplace- The benefits of the platform - Utilizing AI for efficiency- Building high-performance teams - The global reach of FinConecta, - The future of interoperability in Financial Servicesand much more!Worth reaching out to Jorge if you are a FinTech looking to grow, If you enjoyed this Purpose Driven FinTech pod, follow for more discussions on how to build great FinTech products with customer and commercial impact and to stay updated on the latest episodes.

500M own crypto, 30% want to pay with it — are you ready?Customer expectations are changing fastAnd crypto payments are rapidly becoming the new normal!In today's episode I spoke with Max Krupyshev. CEO at CryptoProcessing.com by CoinsPaidto deep dive and understand what's going on! We cover: - How crypto is solving for real customer problems- Argentina as use case- Freelancers! A biggy one!- Pain points crypto payments are solving for- De-bust the myth about volatility... love it!- What makes a great product- The CEO mindsetAnd much more!If you are interested in learning more about accepting crypto payments, reach out to Max and the team!If you enjoyed this Purpose Driven FinTech pod, follow for more discussions on how to build great FinTech products with customer and commercial impact and to stay updated on the latest episodes.

LATAM's payment infra is fragmented and outdated... Imagine a single API that breaks down barriers across LATAM and unlocks a seamless payment experience, and multiple geo launches; a smooth, unified digital payment experience for the entire region!Well, I had the pleasure of speaking with Kevin Litvin, Co-Founder at tapi, and he's doing exactly that! In LATAM people still line up to pay bills and basic services... And while FinTechs and banks have a massive opportunity to fix this, The real magic happens on the infra layer... and this is why tapi is disrupting the region: One solution that works everywhere. One integration. One contract. Of course a touch of AI to make it easier, faster better for your devs, and a fantastic team who understands how you want to work... We cover: - Lessons from his failed e-wallet startup- Insights that led him to evolve into Tapi- Understanding the LATAM landscape- The reality of customer pain points when it comes to payments- What makes a great product- How he's using AI to disrupt - What's next after his very successful round- Why the culture of your tech partner matters (a ton)!And much much moreFollow for more discussions on how to build great FinTech products with customer and commercial impact and to stay updated on the latest episodes.

There are 5. 5 million small businesses with less than 20 people in the UK - and we can argue small businesses are the most underserved of all FS customers today! That's why Bankifi is transforming the space and making bank's digital banking platforms from something that's purely transactional into the place where a small business run and operate their business from.In this episode Mark Hartley, CEO & Founder at Bankifi, shares with us Bankifi's backstory and purpose, the challenges of both banks and SMEs, and we go deep on data, AI, engagement - and more importantly human interaction! Because the majority of the population still fears AI, the hypothesis is that customers will value more human interaction, and that will be a differentiator.If you enjoyed this Purpose Driven FinTech pod, follow for more discussions on how to build great FinTech products with customer and commercial impact and to stay updated on the latest episodes.

“There's a lot of power behind financial data. Every time we move money from point A to point B, we also move information” BUT the power is unlocked by the quality of the data, and the what we do with the data!In this episode Nare Vardanyan, CEO & Co-Founder at Ntropy, the immense potential of financial data and its impact on both consumers and businesses. We discuss how standardizing and unifying fragmented financial data can unlock new opportunities in lending, payment authorization, accounting automation, and more. We explore the challenges and role of AI and advanced models in transforming financial services and of course, how we can use tech to drive social change…. very good points on social mobility!If you enjoyed this Purpose Driven FinTech pod, follow for more discussions on how to build great FinTech products with customer and commercial impact and to stay updated on the latest episodes.

Buying a property is a big life moment, and one full of anxiety! And yes, we the people in the industry are guilty of creating anxiety to our customers! That's why Geer Van Kerchkhoven, CEO & Co-Founder Oper is doing something about it, and helping both banks and customers create a much better mortgage experience!In this episode Geert shares his journey and insights on improving the mortgage process. He reveals how we can reduce borrower anxiety and streamline the home-buying journey, why Oper is a great product and his secret sauce to building products people love and are willing to pay for! He also shares valuable experiences on leveraging AI Oper, lessons learnt re AI, and building high-performance teams, and top advice for anyone in the journey!We cover,(00:00) Intro to the Mortgage Experience(04:10) Geert's Initial Hypotheses(06:10) Challenges and Mindset in Building a Fintech(11:37) Defining a Great Product in Fintech(14:37) Addressing Borrower Anxiety and Mortgage Challenges(23:22) The Hybrid Model: Combining AI and Human Touch(26:15) Loan Advisor Interaction in Virtual Environments(28:16) AI in Document Matching and Loan Processing(29:32) Key Takeaways of Building AI Features in Fintech(31:04) Challenges in AI Deployment: Compliance and Integration(33:00) Understanding Vertical AI and Its Applications(38:55) Fireside Chat: Insights on Strategy and LeadershipFollow for more discussions on how to build great FinTech products with customer and commercial impact and to stay updated on the latest episodes.

Have you ever thought about owning a Franchise, but got discouraged by the large amount of investment capital? Many of us have. Franchises pose barriers to entry to most of us, but not any more!In today's episode I speak with Kenny Rose, the founder of FranShares. He is on a double mission to allow individuals to invest in franchises and to solve for the generational wealth gap through local business ownership. Kenny has an amazing mindset and energy. So we go deep both on him as an entrepreneur and his business. We cover his definition of great product - not your traditional answer!, why wealth creation is a problem with a big surface area, why franchises is a good asset class, what makes FranShares innovative, how he pays earnings, how he chooses franchises in the platform and his mindset as an entrepreneur. It's a fascinating conversation!We cover,(01:54) Franchises as an investment opportunity(02:52) Empowering entrepreneurs(11:42) Building a successful team(24:06) Why invest in Franchises?(28:21) Equity growth vs. income in Franchising(29:05) The appeal of franchises(31:15) Why FranShares is an Innovative Fintech(35:58) Selecting the Right Franchises(42:43) Challenges in Franchising investments(48:19) FranShares future plans(49:58) Advice for aspiring entrepreneurs(52:37) The one thing to change in FinTechFollow for more discussions on how to build great FinTech products with customer and commercial impact and to stay updated on the latest episodes.

Wio Bank has become one of the fastest Neo-Banks globally to achieve profitability. In its first full year of operations, Wio reported a revenue of AED 266.4 million and a net profit of AED 2 million. Wio has over 50,000 Wio Business and 40,000 Wio Personal customers… and in today's episode we go through the How they achieved such amazing success!I speak with Prakash Sunkara, Chief Financial Officer at Wio Bank - and I have to say he's a CFO that sounds like a CPO! He is absolutely super customer centric!We discuss Wio's story, their mindset and how that sets them apart, what's the definition of innovation - in the eyes of Jayesh Patel, Wio's CEO; and ways of working to bring it to life, the how they reached profitability, what happens once they hit month one of profitability, and finally we put Prakash in the hot seat with some fire side questions!It's a fascinating conversation!Prakash has a long career in Financial Services and as a CFO - across both traditional financial services and FinTechs. Wio Bank is disrupting banking for consumers and small businesses in the UAE and has created an all-in-one digital financial platform to reboot banking for everyone!We cover,(00:00) The framework behind hitting profitability in year one(03:55) Wio's Mission and Customer Focus(05:52) Achieving Rapid Profitability(06:37) Mindset and Ecosystem in Dubai(08:23) Innovative Approaches in SME Banking(13:05) Continuous Innovation and Customer Needs(20:50) Strategic Thinking Behind Profitability(25:53) Introduction to Platform Banking(26:15) Innovative Features for SME Banking(27:27) Customer-Centric Approach(30:14) Scaling and Growth Strategy(33:32) Teamwork and Company Culture(39:36) Profitability and Sustainable Growth(47:22) Challenges and Future FocusFollow for more discussions on how to build great FinTech products with Customer and Commercial Impact and stay updated on the latest episodes.

The Statistics are brutal!56% of young investors avoid professional advice due to high fees and outdated approaches.51% of respondents feel they lack control over their finances, indicating a significant financial literacy and engagement gap.63% of women are uncomfortable with basic investment principles, with 72% not actively monitoring their investments.47% of participants save little to no income, reflecting poor financial habits and future preparation.Theo Paraskevopoulos, CEO & Founder of Invessed, is taking the challenge straight on and transforming wealth management to better serve younger generations.I sit with Theo to discuss the evolving landscape of financial advice in the UK and the enormous challenge we have ahead. Theo shares with us how Invessed aims to empower financial professionals by leveraging technology to reduce admin tasks and enhance client interactions, and therefore provide a solution to this problem.We cover,(00:00) Understanding the Hesitation in Seeking Financial Advice(01:13) The Importance of Purpose in Business(02:24) Building Purpose-Driven FinTechs(06:30) Simplifying Financial Services for Greater Impact(09:42) Engaging More People in Financial Management(13:48) Challenges Faced by Young Investors(19:03) The Role of Technology in Modern Financial Services(22:42) The Responsibility of Wealth(23:29) Innovative Fintech Solutions(24:07) Empowering Investment Professionals(25:40) Behavioral Data and Predictive Technology(28:43) Customer Pain Points and Scalability(37:42) Building Successful Products(41:10) Fireside Questions and Closing RemarksFollow for more discussions on how to build great FinTech products with Customer and Commerical Impact and stay updated on the latest episodes.

Over a TRILLION dollars per year is spent on SAAS and so much of that is wasted! Customers know they are overpaying for subscriptions, don't have good visibility on them, and are aware they could save so much Money if they could bring them all into a single place easily and unlock savings from the software providers This is exactly what Matt Bird, Co-Founder and CEO of Lemon is on a mission to do! To help Businesses save Money so that they can focus on growing their business - and the impact is huge!Not only we go deep on understanding Lemon's customers and solutions, but we go behind the scenes with Matt and understand his thinking process behind driving innovative products. We explore how to build an empowering company culture, customer driven products and feedback loops, pricing, the secret to building great product, the underdog mentality and much more!If you enjoy this Purpose Driven FinTech pod, please subscribe in YouTube, follow in Spotify, and leave a 5 star rating apple podcast. Remember to connect in LinkedIn to keep the conversation going.Let's get into it!

“I love filing my return!” Said no one ever… did you know in the US people spend over 5 billion hours per year to get their taxes done. And Column Tax is in a mission to do something about it!Gavin Nachbar, Co-Founder of Column Tax, shares how Column Tax is disrupting the process of filing taxes - and it all starts by leveraging customer's existing apps! Column Tax is a B2B2C solution that enables Neobanks, Banks, and Institutions to solve a taxing problem for their users.We discuss the complexity of the US Tax System and how it affects Americans, who Are Column Tax's Customers, how Column Tax saves people time and money, User Experience with Column Tax,what sets Column Tax apart? Building trust with customers and much more!If you enjoy this Purpose Driven FinTech pod, please subscribe in YouTube, follow in Spotify, and leave a 5 star rating apple podcast. Remember to connect in LinkedIn to keep the conversation going.Let's get into it!

Jas shares with us the importance of data metrics in building purpose-driven fintech. We go deep and practical! We start by defining what makes great product and the role of metrics in product development. We give examples across fintech verticals to bring it to life. It's a super practical conversation, so defining metrics is not enough, we also deep dive into the challenges like confirmation bias and tools necessary for efficient product growth, including A/B testing, and the potential of AI.If you enjoy this Purpose Driven FinTech pod, please subscribe in YouTube, follow in Spotify, and leave a 5 star rating apple podcast. Remember to connect in LinkedIn to keep the conversation going.Let's get into it!

“I love filing my return!” Said no one ever… did you know in the US people spend over 5 billion hours per year to get their taxes done. And Column Tax is in a mission to do something about it!Gavin Nachbar, Co-Founder of Column Tax, shares how Column Tax is disrupting the process of filing taxes - and it all starts by leveraging customer's existing apps! Column Tax is a B2B2C solution that enables Neobanks, Banks, and Institutions to solve a taxing problem for their users.We discuss the complexity of the US Tax System and how it affects Americans, who Are Column Tax's Customers, how Column Tax saves people time and money, User Experience with Column Tax, what sets Column Tax apart? Building trust with customers and much more!If you enjoy this Purpose Driven FinTech pod, please subscribe in YouTube, follow in Spotify, and leave a 5 star rating apple podcast. Remember to connect in LinkedIn to keep the conversation going.Let's get into it!

Today DATA is a differentiated proposition! And that's why it matters who you select as your payments processor and partner in crime! I had the honour and pleasure to speak with Robert Kraal, Co-Founder at Silverflow, and hear all about how Silverflow has designed with data in mind!Silverflow is a cloud-based payment processing platform that provides a state-of-the-art upgrade for payment-providers, shielding them from the current antiquated legacy technology still in use today. With Silverflow, PSPs can now directly access card networks, instantly add new functionality, have real-time insight into transaction fees and get smart data direct from the networks – all to better serve their merchants.We may think payments and acquiring are purely infra, but actually acquirers are having a ton of impact on businesses who need it the most. We go behind the scenes on Silverflow's culture and go deep on what's so special about the leadership style in Nordic countries that many of us of the world can learn from. Robert's mindset around entrepreneurship, Silverflow's proposition, and how it actually makes them a DATA platform - unlike platforms built in the eighties who saved minimum data. We explore what are the challenges of his clients, and of course what's the one thing he would change in FinTech to make the industry better for everyone!We had a fascinating conversation, we discuss:The role of data in building purpose driven FinTechsMaking payments acceptance accessible for everybody across the globePractical examples on pain points business owners have in Africa, and why the right payments acceptance solutions are key... and settlement times!Why measuring impact based on number of bank accounts is an outdated metric...and instead why we should look at how many people have access to modern financial technologyAll things leadership. He opens up on the what I call "Nordic countries" leadership style.How that culture in turn creates education and inspires others... such that the biggest compliment as a leader and entrepreneur you can have is someone leaving to start their business...How to nurture passion in employees... yes it's a very deliberate thing he does, almost like a principle for life.How Silverflow differentiates with DATA, Simplicity and enabling Innovation!Why solutions built in the 80s are legacy systems: back then they had a different mindset, it was expensive, and captured the minimum required data! - which is a blocker in today's world!The role of Payments Processors and Data in the gigantic challenge of fighting fraud!And of course the ONE thing he would change in the world of FinTech to have the most impact on customers, FinTechers and Shareholders!If you enjoy this Purpose Driven FinTech pod, please subscribe in YouTube, follow and leave a 5 star rating. Remember to connect in LinkedIn to keep the conversation going.

In Today's episode we speak with Tiffany, CEO and Co-Founder of Aloi, a multi-award winning FinTech in Nepal. Aloi is enabling climate financing for grassroots entrepreneurs through real-time loan journey insights. They have a cashless-financing platform offering 3 features to track a full loan cycle for informal sector business loans: monitor loan usage, loan repayments, and payments.If you enjoy this Purpose Driven FinTech pod, please subscribe in YouTube, follow and leave a 5 star rating. Remember to connect in LinkedIn to keep the conversation going.Let's dive into it!

In Today's episode we speak with Oli Cook, CEO and Co-Founder of ekko, the multi-award winning sustainability platform for banks and payments. Ekko's solution allows you to make any transaction or customer interaction an opportunity to do good for the planet and your business.We discuss how we should understand sustainability first and then think of how FinTech can be part of the solution, not the other way around; how ekko is a positivity driven FinTech .. I love the idea and this makes them unique among all FinTechs across the world. What is sustainability, sustainability and impact, sustainability lessons from Europe to be aware of in Asia, the Planet Saver account and much much more!If you enjoy this Purpose Driven FinTech pod, please subscribe in YouTube, follow and leave a 5 star rating. Remember to connect in LinkedIn to keep the conversation going.Let's dive into it!

This is the start of season number two!We had a small break a few weeks and we are ready to go with more exciting guests and FinTechs One of the reasons why we had a short break in between season one and season two is because I've been attending conferences. I've been to Money 20/20 Bangkok, and then I went to Dubai FinTech summit, of course in Dubai.In this episode I cover the key insights that I got, and what are the things that we need to be aware of?If you enjoy this Purpose Driven FinTech pod, please subscribe in YouTube, follow on Spotify, and leave a 5 star rating in Apple Play. Remember to connect in LinkedIn to keep the conversation going.Let's dive into it!

In Today's episode we speak with Regina Lau, CFO at Weavr.io. Regina is a proponent of merging purpose and profit by not thinking of business as a zero sum game, but as an endeavor to growing the pie together. We discuss how measuring customer sentiment help us understand the actual impact we are having in customer's lives. I love this approach because the amount of money we have in the bank is not indicative of our financial wellbeing. We go personal and discuss how as a minority woman she's reached C-level as a CFO and we get her thoughts about how to break the ceiling, allies and co conspirators.Weavr is an embedded finance solution that supercharges revenue and customer experience for digital businesses. There is a debate that today every company can be a FinTech, but FinTech requires specialist knowledge, so Weavr focuses on making it simple, safe, and regulatory compliant for businesses to integrate financial services offerings. We discuss their customer segment and their pain points, including a non talked about much segment of HR Tech.If you enjoy this Purpose Driven FinTech pod, please subscribe in YouTube, follow and leave a 5 star rating. Remember to connect in LinkedIn to keep the conversation going.Let's dive into it!

For the first time ever in history, consumer borrowing in the UK has racked up to 2 trillion pounds. We've never seen that before. Pandemic ripple effects, high interest rates, and the raising cost of living have led people to rely on credit more. Even the richest 20 percent of the population are using credit to get by. This problem statement must to talked about.Today we speak with Yaseen Rostom, Founder and CEO at Incredible. I absolutely love their product, it's solving a genuine customer pain point and it's well thought through. He is not building just a debt management solution, he is providing a solution for peace of mind. For us to have 10x impact as an industry, he advocates we collectively must put customer outcomes at the centre of what we do; key word collectively.Incredible is a debt management solution that allows customers to make credit repayments on autopilot, while ensuring customers pay off their most expensive debt first. We expand on his user experience, financial resilience, how to measure his impact including how can we increase the overpayments people make towards their loans? How we can nudge people to round up to pay off debt vs round up for savings, findings from user testing and much more.If you enjoy this Purpose Driven FinTech pod, please subscribe in YouTube, follow and leave a 5 star rating. Remember to connect in LinkedIn to keep the conversation going.Let's dive into it!

Today we have the honour to speak with Jeff Parker, CEO at Paymentology. He takes us back to the core. We explore what is Purpose, how Paymentology is having direct impact in customers' lives - even though they are a B2B FinTech. He emphasizes how we need to collaborate more and share ideas as a FinTech community for us to be able to have 10x the impact in 5 years time. Jeff is known as a great leader, so I dig deeper on his leadership style and what we can do as an Industry to make it better for FinTechers.Paymentology is a card processor, so we explore the controversial question… is it the end of card payments? Or actually are they key for financial inclusion? We discuss how cards will evolve. And Jeff shares with us the key Paymentology capabilities he wishes every FinTech product team knew about, and how Paymentology is reducing complexity and empowering FinTechs and Brands to better serve their customers.If you enjoy this Purpose Driven FinTech pod, please subscribe in YouTube, follow and leave a 5 star rating. Remember to connect in LinkedIn to keep the conversation going.Let's dive into it!

In today's episode Tina Fisher, Chief Marketing Officer at Intix, shares with us the how we can 10x the impact we have as FinTechers and go deep on the role of trust.Tina has an impressive trajectory, she was named “Top Female Tech Founder” by the British Government, and her company SnapSave was listed as “Top 12 Series A investment opportunity” by VC4A. We tap into her mind and heart and she shares her top advice for women wanting to grow their business and career and as part of international women's month, we deep dive on how we as an industry can invest more in women.Lastly, in today's world, Data is king! Data empowers so many propositions and operations, hence it's important we become data savvy. In this episode we discuss how Intix helps organizations consolidate transaction data for improved efficiency and hence better customer experience and reduced costs, and the power of their unique value proposition.If you enjoy this Purpose Driven FinTech pod, please subscribe in YouTube, follow and leave a 5 star rating on Spotify and a review on Apple podcasts. Remember to connect in LinkedIn to keep the conversation going.Let's dive into it!

In today's episode Aditya Damani, Founder at Credit Fair, shares with us his vision on having impact in over one million adults in India who currently don't have access to credit, and the one thing we can do as FinTechers to have 10x results in solving for financial stress.We discuss what makes Credit Fair different and why they are able to give credit to customers that banks usually wouldn't. We explore how to go about building alternative credit risk models, how to manage late payments and loan defaults to minimize risk of non payment and finally deep dive on his mindset as a founder and entrepreneur of a FinTech that has hit profitability.If you enjoy this Purpose Driven FinTech pod, please subscribe in YouTube, follow and leave a 5 star rating on Spotify and a review on Apple podcasts. Remember to connect in LinkedIn to keep the conversation going.Let's dive into it!

In today's episode Shameer Sachdev, Founder & MD at Growth Gorilla, shares with us his hypothesis on why he thought he could win by adding value no else did at the time in FinTech, the power of diversity when building Purposeful FinTechs, how Growth Gorilla is having impact in millions of customers - despite not having a Financial Services offering, and the one thing we can do as FinTechers to have 10x results in solving for financial stress.After discussing all things impact and purpose deep dive on how we can grow FinTechs during times of turbulence and budget cuts. He shares with us the current key trends and challenges that FinTechs are facing when it comes to scaling and growth, how to craft a bullet proof retention strategy, how influencer marketing and the so called fin-fluencers are here to supercharge your FinTech impact driven by customer demand on financial educational content, and much much more!If you enjoy this Purpose Driven FinTech pod, please subscribe in YouTube, follow and leave a 5 star rating on Spotify and a review on Apple podcasts. Remember to connect in LinkedIn to keep the conversation going.Let's dive into it!

In today's episode I step back to have deep thinking time. I went through key Purpose Driven FinTech episodes and found common threads and insights that allow us to answer the research question — How can FinTechs have better impact?This is not an interview pod, but a Masterclass split in four sections:Let's define PurposeHow can we build more Purpose Driven FinTechsWhat is Financial WellbeingSummary of findings: How can we deliver most impactIf you enjoy this Purpose Driven FinTech pod, please subscribe in YouTube, follow and leave a 5 star rating on Spotify and a review on Apple podcasts. Remember to connect in LinkedIn to keep the conversation going.Let's dive into it!

In today's episode Paolo Sironi shares with us in plain English the findings of his most recent research paper “Global Outlook for Banking and Financial Markets Regenerate Banking with AI” where he surveyed 600 banking executives about how they are working with generative AI.78% of Financial Institutions are tactically implementing generative AI for at least one use case, which makes AI governance a must-have.We cover how generative AI can transform the banking and financial sectors; why risk, compliance reporting, and client engagement lead the way in AI potential most critical use cases; making financial services accessible; Communication as a service (which is the first time I encounter this concept); skills we need to develop as an industry to adapt and thrive in the world with AI, and of course, a practical framework to manage AI risk and implement successful AI projects.As the global research leader in banking and financial markets at IBM Institute for Business Value, Paolo provides strategic insights and guidance to a network of executives among financial institutions, start-ups, and regulators. He has over 20 years of experience in quantitive risk management, investing, and digital transformation and is one of the most respected fintech voices worldwide, helping shape the future of the financial services industry. Paolo is also a bestselling author of "Banks and Fintech on Platform Economies", co-host of the Breaking Banks Europe podcast, and a sought-after international speaker.If you enjoy this Purpose Driven FinTech pod, please subscribe in YouTube, follow and leave a 5 star rating on Spotify and a review on Apple podcasts. Remember to connect in LinkedIn to keep the conversation going.Let's dive into it!

In today's episode, Amanda Lieu, Director Brand, Product Marketing & Growth at SEON, shares with us the fundamentals of fraud.Why fraud is on the rise?Different types of fraud - we can't prevent nor manage if we don't understand it wellFraud ringsThe black box and white box - how to understand why fraud is happeningHow AI and Machine learning help us prevent, detect and stop fraudIf you enjoy this Purpose Driven FinTech pod, please subscribe in YouTube, follow and leave a 5 star rating on Spotify and a review on Apple podcasts. Remember to connect in YouTube or LinkedIn to keep the conversation going.Let's dive into it!

In today's episode, Norris Koppel, Founder and CEO at Monese, shares his vision of hyper personalization and customer-centric financial services enabled by AI, and becoming 'the bank of the future.'We discuss the impact of AI on the financial industry, understanding the current state of AI in FinTech, concerns regarding its implications, and practical usecases for AI to improve processes, prevent fraud, and offer highly personalized services to customers. Norris talks to us about Monese's spin off, XYB by Monese, an end-to-end coreless banking platform and his partnership with Google for generative AI.Let's dive into it!

We can not talk about Money without talking about Trust. Since the begining of time customers have trusted financial institutions to look after their hard earned money - or have they not? This is a critical topic for FinTechs — why would customers decide to put their money with new players vs going with established brands? Smooth interface and a nice promise is not good enough. We need to go back to trust.In today's episode, Kimberley Waldron, Founder at SkyParlour talks to us about Trust. We start with defining trust, followed by how to build trust in FinTech, the role of PR in Trust, the downsides of not building trust and in this hyper social world, the role of Personal Branding and trust.If you enjoy this Purpose Driven FinTech episode it would mean the world if you subscribe and give it a follow so that we can have more impact. Remember to connect in YouTube or LinkedIn to keep the conversation going.Let's dive into it!

Today, we have a compilation episode with my favorite question. I always ask this question at the end of the episode, which is, Hey, if you were to change one thing in fintech that could have the most impact to customers, colleagues, and investors, what would that be?The immediate response from almost everyone is. That's a tough question, Monica. So today let's hear what our guest had to say in 2023. Here you go! The top 11 from 2023

We can't talk about FinTech, startups, and entrepreneurship without talking about failure, the tough times, mistakes and all the difficult things in life. Today's episode is a compilation episode for one of my favourite mindset questionsThank you for all our wonderful guests who have been in the Purpose Driven FinTech pod throughout 2023

Shameer, host of “The FinTech Marketers and Leaders Podcast”, goes extensively through my career journey, my trajectory within BigPay, my thoughts and advice on Product leadership and growth, improving communication between marketing and product teams, diversity of thought, inclusion and mentorship, and much more.We cover:

This is raw and personal. Vivek Ishwar and Abin Shetty, host of “All Immigrant Podcast”, interview me on my over 15 year journey living away from home. We go back in time on the why I decided to move out of Mexico in the first place, the personal challenges of being an Immigrant, work in Corporate vs Startup, the evolution of my own podcast, advice for Aspiring Entrepreneurs in FinTech and much moreIf you enjoy this Purpose Driven FinTech episode it would mean the world if you subscribe and give it a follow so that we can have more impact. Remember to connect in YouTube or LinkedIn to keep the conversation going.Let's dive into it!

Aamna Hussain, host of “A girl in the product world”, interviews me with her somewhat tricksy questions….We worked together in Tandem Bank, while she worked with one of our Tech Partners back then, so she brings this perspective of seeing us grow the bank from scratch. She queries me on our culture in Tandem Bank, how was it actually working with our Tandem CEO. As a curious product leader she is, she then gets deeper into my mind to understand the real journey on how come I ended up moving to Malaysia to help launch and grow BigPay. We explore the FinTech trends (at the time of recording), how to go about Market Expansion, and how to challenge your CEO when you believe what we are about to do is not the right thing. We share a passion for personal development, so she asked about my “worst day in this crazy financial services world”, how did I overcome it, and why mentoring is so important to me.If you enjoy this Purpose Driven FinTech episode it would mean the world if you subscribe and give it a follow so that we can have more impact. Remember to connect in YouTube or LinkedIn to keep the conversation going.Let's dive into it!

This week I'm on the hot seat! Danny Levy, Managing Director Asia & ANZ at Money20/20 invited me to his pod "Digital Transformation and Leadership".We start with a quick intro and icebreaker questions, the work we are doing at Big Pay and we then deep dive into talking about money! We discuss how to bridge the gap and get people to open up about their financial struggles, the challenges I see with the unbanked, and close off with advice to people who are just starting out in the Fintech industryIf you enjoy this Purpose Driven FinTech episode it would mean the world if you subscribe and give it a follow so that we can have more impact. Remember to connect in YouTube or LinkedIn to keep the conversation going.Let's dive into it!

Being an immigrant in the US comes with financial challenges, starting with struggles to open a bank account. This is a 44 Million problem with 13% of US population classified as immigrants, and contributing to 22% of US GDP - that's USD 3.9Trillion per year.In today's episode, Dr David Wachira, CEO & Co-Founder at Waya, talks to us about this customer problem statement and how Waya is being part of the solution.We explore how to create purpose driven FinTechs to create more impact, the biggest challenges immigrants have accessing financial services in the US. Waya's customer segments ranging from students, workers, minorities and professionals, solving for financial inclusion, requirements for illegal immigrants to open a bank account, and how marketing efforts to reach out to immigrants is different from your traditional FinTech.If you enjoy this Purpose Driven FinTech episode it would mean the world if you subscribe and give it a follow so that we can have more impact. Remember to connect in YouTube or LinkedIn to keep the conversation going.Let's dive into it!

Financial Inclusion means reaching out to customers who are by definition not very digital savvy, so how do we do it in the age of digital banks? … A hybrid partnership approach seems to work as a solution!In today's episode Iliana de Silva, CEO and Co-Founder at Techreo brings her perspectives on financial inclusion, financial wellbeing, and how Techreo is actually reaching the unbanked in Mexico with a Bank Partnership model. 60% of Mexicans do not have access to a bank account, and social media and referral rewards won't be enough to include them, we need a different approach and Iliana and the Techreo team bring a sustainable solution!If you enjoy this Purpose Driven FinTech episode it would mean the world if you subscribe and give it a follow so that we can have more impact. Remember to connect in YouTube or LinkedIn to keep the conversation going.Let's dive into it!

Incorporating AI in your tech stack is a digital transformation project among both big banks and FinTechs. To do it well it's important first we understand the challenges of both digital transformation and AI.In today's episode Ara Abrahamyan shares with us his wealth of experience working in digital transformation projects in the largest banks in Europe and his experience working in the AI space in Financial Services.We discuss how the DNA of FinTechs and incumbent banks are different, his fascinating career journey, how to breach the world between innovative tech, while still being able to stay in line and constraints with their priorities and pressure from investors, the struggles of implementing modern technology, and the role of culture in digital transformation.We then move on to AI.We discuss the biggest challenges when adopting AI, what to take into account to create an AI strategy, How Cognaize is helping Financial Services companies and the concept of “hybrid Intelligence” which is part of Cognaize's proposition.Ara is a Board Advisor at Ameriabank, an innovative bank in Armenia, and at Cognaize and AI FinTech.If you enjoy this Purpose Driven FinTech episode it would mean the world if you subscribe and give it a follow so that we can have more impact. Remember to connect in YouTube or LinkedIn to keep the conversation going.Let's dive into it!