The MoneyPot

When Rachel Schneider wrote “The Financial Diaries”, the research uncovered several misconceptions that the financial industry has about the financial lives of the average person. When her research was done and her book was published, the Omidyar Network that had funded the study then presented her with the opportunity to solve one issue that she found in her research. Her answer is Canary, which helps businesses create safety nets for their employees and the communities they live in, and helps smooth over the rough times that inevitably fall in all our lives. I hope you enjoy this episode and may we all have stronger communities and strengthen the ties that bind us together in the new year! Guest: Rachel Schneider, Founder and CEO, CanaryHost: Rachel Morrissey, Executive Producer of The MoneyPot, Money20/20

We spoke to Colin Luce, the Co-Founder & CEO of Basis Theory - a tokenization platform built to manage data compliance and help companies navigate the increasing complexity of global regulations about how their tech can change the nature of data security and compliance.This was recorded at the Money20/20 Show in October 2022Guests: Colin Luce, Co-Founder & CEO Basis TheoryHosts: Nick Holland, Global Head of Insights, Money20/20Sanjib Kalita, Wizard on Site, Money20/20Producers: Roland Bodenham, Senior Video Producer and Podcast Development Lead, AscentialRachel Morrissey, Executive Producer of The MoneyPot Podcast, Money20/20

We sat down with Ricardo Amper, CEO of Incode to discuss how financial institutions are combatting spoofing and identity fraud through biometric digital identity verification. We also discussed the use of synthetic data to commit fraud, and what can be done at scale to help. This was recorded live at The MoneyPot Booth in Las Vegas in October 2022.Guest: Ricardo Amper, CEO, IncodeHosts: Nick Holland, Global Head of Insights, Money20/20Rachel Morrissey, Executive Producer of The MoneyPot Podcast, Money20/20Producers: Roland Bodenham, Senior Video Producer & Podcast Development Lead, Money20/20Rachel Morrissey, Executive Producer of The MoneyPot Booth, Money20/20

On this MoneyPot Raw, Sanjib Kalita and Rachel Morrissey sit down with Mr. Victor D. Lombard, aka DIVINE, to speak about his journey and his mission to create fintech that solves systemic disadvantages. In this vulnerable and extraordinarily honest interview, DIVINE left us inspired and humbled. We are very grateful he shared his time and considerable insights on his mission. He has founded SOLVENT to focus on and empower the system impacted, formerly incarcerated, and incarcerated with tools for the socioeconomically disadvantaged, formerly incarcerated, family, friends and loved ones of the formerly incarcerated and/or incarcerated, and those currently incarcerated. Guest: Mr. Victor Lombard AKA DIVINEHosts: Sanjib Katlita, Editor-in-Chief Emeritus, Money20/20Rachel Morrissey, Executive Producer, The MoneyPot Podcast, Money20/20Producers: Rachel Morrissey, Executive Producer, The MoneyPot Podcast, Money 20/20Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

We sat down with Delicia Reynolds Hand from Consumer Reports, and Cleve Mesidor from The Blockchain Assn, to talk about whether the DeFI movement in FinTech is creating new indicators of financial wellbeing and how young POCs, women, and diverse innovators are forging new metrics of wellbeing and prosperity. This was LIVE at the Money20/20 US show in Las Vegas in October 2022.Guests: Delicia Reynolds Hand, Director, Financial Fairness, Consumer ReportsCleve Mesidor, Executive Director, Blockchain FoundationHosts: Micky Tesfaye, Content Lead, Money20/20 EURachel Morrissey, Executive Podcast Producer, Money20/20Producers: Rachel Morrissey, Executive Podcast Producer, Money20/20Roland Bodenham, Senior Video Producer and Podcast Lead, Money20/20

Following on our previous episode on Brazil's Pix payment rails, we had João Del Valle, CEO and Co-Founder at EBANX talk to us about the tremendous changes that have occurred and what he sees coming in merchant/ b2b payments. This was recorded at the Money20/20 Show in October 2022Guest: João Del Valle, CEO and Co-Founder, EBANXHosts: Nick Holland, Global Head of Insights, Money20/20Sanjib Kalita, Editor-in-Chief Emeritus, Money20/20Producers: Rachel Morrissey, Executive Podcast Producer, Money20/20Roland Bodenham, Ascential Video Producer and Podcast Lead, Ascential

IPOs are in a holding pattern, SPACs are undergoing a transformation and the private market is shaky. Economic downturns always give birth to innovation in the capital markets. Companies need capital – the lifeblood of growth. How do you position yourself to be one of the most financially innovative companies? We spoke with Isabelle Freidheim, Founder & Chairman of Athena to understand what's happening in capital markets. Guest: Isabelle Freidheim, Founder & Chairman, AthenaHosts: Nick Holland, Global Head of Insights and Networks, Money20/20Micky Tesfaye, Content Lead, Money20/20 EUProducers: Roland Bodenham, Senior Video Producer and Podcast Lead, AscentialRachel Morrissey, Executive Producer of The MoneyPot, Money20/20

Scarlett Sieber, our Chief Strategy and Growth Officer, will be joined in the booth by José Caparrosa, Editor, Forbes Columbia to host Cecilia Tamez, Chief Strategy Officer of Dandelion, about strategies around fintech growth in LATAM and what helps or hurts the speed of innovation.Guest: Cecilia Tamez, Chief Strategy Officer, DandelionHost: Scarlett Sieber, Chief Strategy and Growth Officer, Money20/20José Caparrosa, Editor, Forbes ColumbiaProducers: Roland Bodenham, Senior Video Producer and Podcast Lead, AscentialRachel Morrissey, Executive Producer, The MoneyPot, Money20/20

Brazil's Central Bank launched Pix, a new nationwide real-time payment system, that has transformed money movement inside the country. Launched in November of 2020, within a year, over 62% of Brazil's population had adopted Pix, including businesses and consumers. It is created to facilitate both person to person payments and business transactions and has 113 million users. We at Money20/20 had to learn more, and were luckily able to discuss it with the person responsible for running it- Carlos Eduardo Brandt, Deputy Head of the Dept of Competition and Financial Market Structure of the Central Bank of Brazil- or as he calls himself- the person in charge of Pix. We learned so much, and we are so happy to share it with you!Guest: Carlos Eduardo Brandt, Deputy Head of the Dept of Competition and Financial Market Structure of the Central Bank of BrazilHosts: Rachel Morrissey, Executive Producer of Podcast, Money20/20Micky Tesfaye, Content Lead for Money20/20 EUProducers: Roland Bodenham, Senior Video Producer and Podcast Development Lead, AscentialRachel Morrissey, Executive Producer of Podcast, Money20/20

As investment and interest in Web3 increases, so does the sense of what could go wrong. To help us focus on what can go right, we spoke with Megan Nilsson to think through some of the complexities we have around access and identified 4 major tools- data management & ownership, universal access, design access, and educational access - that need to be in place to make Web3 everything the enthusiasts dream it will be. Guest: Megan Nilsson-aka Crypto Megan-High-End Crypto & NFT ConsultantHosts: Rachel Morrissey, Executive Producer of Money20/20 Podcasts, Money20/20Sanjib Kalita, Editor-in-Chief, Money20/20Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, AscentialRachel Morrissey, Executive Producer of Money20/20 Podcasts, Money20/20

Last month, the fintech universe was set abuzz following the news that A16Z had written its biggest check to date. But the eye-watering sum wasn't at the heart of the buzz; it was the man behind the raise: Adam Neumann. Despite allegations of impropriety with his form venture, WeWork, he is trusted by investors once again. We wanted to dig into the possible reasons why, and how it could be explained by a "survivor bias". We dig into how survivor bias works, why it is actually systemic, and the harm it does to problem solving.In addition to this episode, our financial journalist Micky Tesfaye dug into this topic further on our blog. Check it out!Hosted by: Sanjib Kalita, Editor-in-Chief, Money20/20with: Micky Tesfaye, Financial Journalist, Money20/20Rachel Morrissey, Executive Producer of The MoneyPot, Money20/20Kisha Allison, Head of Content, Money20/20 USAProducers: Roland Bodenham, Senior Video Producer and Podcast Lead, AscentialMicky Tesfaye, Financial Journalist, Money20/20

Ben Weiss saw the potential of crypto as an equalizing asset, but he also saw that the people who understood who to access it might be the ones to benefit the least. So, he decided to create a solution that his own mother could use and feel confident- a crypto kiosk. Ben realized that by creating creating a physical device, he could bridge the gap and take crypto to broader communities. And he has. We talked to Ben Weiss about the nature of crypto as the wild west, and why his idea on physicalizing the crypto buying experience is helping to settle crypto. Guest: Ben Weiss, CEO and Founder, CoinFlipHost: Sanjib Kalita, Editor-in-Chief, Money20/20Mickey Tesfaye, Financial Journalist, Money20/20Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, AscentialRachel Morrissey, Executive Producer, Money20/20 Podcast

In this episode of The MoneyPot Raw, Tracey Davies, President of Money20/20 and I sit down with Monica Engel, Partner and Co-Founder of Quona Capital, to talk about her new book - Rebalance: How women lead, parent, partner, and thrive. We discuss the importance of the THRIVE group - a group of working women with ambitions for good careers, families, partnerships, and community- that she helped establish. And why intentionally seeking these groups is so vital for women to succeed and maintain balance. We also discuss about what changes we see coming and how professional women can play a role in the reset. Guests: Monica Engel, Partner, Quona Capital and co-Author of Rebalance: How women lead, parent, partner, and thrive.Tracey Davies, President, Money20/20 and founder of RiseUpHost: Rachel Morrissey, Executive Producer, The MoneyPot, Money20/20Producer: Roland Bodenham, Senior Video Producer and Podcast Lead, Money20/20

The science around the climate crisis is in, and we are all feeling the effects of it, With record heat waves, droughts, and questions about stability, Gen Z considers climate a high priority in what they buy and support. CoGo, a new banking app, helps consumers understand what their spending means for their carbon footprint, By making this information available, they hope to employ behavioral sciences to assist consumers to more ecologically friendly habits. We talked to Emma Kisby, the EMEA CEO at Cogo, about their mission, and how important it is for financial services to lead in the climate crisis.Guest: Emma Kisby, EMEA CEO at CogoHosts: Rachel Morrissey, Executive Producer- The MoneyPot, Money20/20Mickey Tesfaye, Financial Journalist, Money20/20Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, AscentialRachel Morrissey, Executive Producer- The MoneyPot, Money20/20

As we figure out how economies will work within and between Web 2.0 to Web 3.0, we should be drawing from as many different industry experiences as possible. Luckily, we get to speak to Dawid Rožek , CEO, ZEN.COM about going from gamer to creating an online marketplace to creating the payments systems, and what all of it might teach us about the fintech future on Web3.Guest: Dawid Rožek , CEO, ZEN.COMHost: Sanjib Kalita, Editor-in-Chief, Money20/20 & Rachel Morrissey, Executive Producer and Senior Content Manager, Money20/20Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, AscentialRachel Morrissey, Executive Producer, The MoneyPot at Money20/20

Cryptocurrencies have long been considered volatile, but they are also becoming more standard in diverse portfolios. It is more important than ever that we understand how the public and institutions are looking at cryptocurrencies. We are going to speak to Jean-Bapitiste Graftieux of Bitstamp, about their latest study- the Crypto Pulse- and get the low down on what, where, and why crypto is met with both skepticism and intrigue.Guest: Jean-Baptiste Graftieux, Global CEO, BitstampHost: Nick Holland, Global Head of Research, Money20/20 & Rachel Morrissey, Executive Podcast Producer, Money20/20Producers- Roland Bodenham, Senior Video Producer and Podcast Lead, AscentialRachel Morrissey, Executive Producer, The MoneyPot, Money20/20

Over the last few years, online scams have become rife from social engineering to online dating and fake advertisements. With so much media attention, why are they still on the up? Is it time we took a step back and looked at the human element? Sanjib Kalita and Micky Tesfaye sit down with Tim Burton and Chris Stevens from Callsign to discuss the art of the scam, why we naturally ignore the warning signs and how we're so easily tricked.Guests: Tim Burton, VP, Global Head of Solution Engineering, CallsignChris Stevens, Head of Solution Engineering, CallsignHosts: Sanjib Kalita, Editor-in-Chief, Money20/20 & Micky Tesfaye, Financial Journalist, Money20/20Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, AscentialRachel Morrissey, Executive Producer, MoneyPot, Money20/20Money20/20EU is now! We are publishing every day from the show! Tune in and join the fun!

There are no questions around the popularity of BNPL. It has been hailed as the payments product of GenZ and Millennials, but use by all generations has flourished over the last year. The questions left around it are about whether it is a safe, smart, and fair credit product, or is it a path to bad credit? Is this going to lead to a giant consumer debt issue, or is it a healthy alternative lending product that allows families and those with minimal access to credit to stretch their budgets? We spoke with Gary Stein, Chief Product & Compliance Officer at Opy (and formerly with the CFPB) to bring some clarity to this, and one thing was clear. BNPL isn't going anywhere. Guest: Gary Stein, Chief Product & Compliance Officer, OpyHost: Sanjib Kalita, Editor-in-Chief, Money20/20Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, AscentialRachel Morrissey, Executive Producer of The MoneyPot, Money20/20

We are breaking from our typical format because of the intense news that is developing around the crypto markets, and how that is affecting businesses in that sector of the industry. We all know that the price of cryptocurrencies dropped. Bitcoin dove to a year low of $26284. Ethereum dove to $1792. Both seem to be stabilizing, but are very far from their beginning of the year highs. Even bigger are the stories about Luna and TerraUSD. TerraUSD is a stablecoin that is pegged to the USDollar, and managed to fall sharply under the $1 mark dragged down by Luna, which is the sister cryptocurrency. Luna has collapsed. As of this recording on May 12, 2022 at 3pm, it had dropped in value by 99% and is worth a little more than a penny. This has caused a certain amount of chaos at different crypto businesses, and their consumers.Today, Sanjib Kalita, Nick Holland, Micky Tesfaye and Rachel Morrissey take a look at whether the nature of cryptocurrency is amenable to sustainable business models, what type of oversight can crypto exchanges and businesses expect, and what this will mean for private and public stablecoins. Money20/20 Team: Rachel Morrissey, Executive Producer, The MoneyPot; Sanjib Kalita, Editor-in-Chief; Nick Holland, Global Head of Research; and Micky Tesfaye, Financial Journalist. Producer: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

Quantum computing is coming. And that puts encryption in danger, because the ability to process long numbers will be so much faster and deeper in scope will be at the finger tips of major players. Crypto currencies and blockchain technologies rely on distributed ledgers keeps value and contractual agreements on them safe without mediation now, but advances will need to be made in order to keep that ledger safe from corruptibility. We spoke to Rhiddiman Das, the Founder and CEO of TripleBlind, about how they are approaching and preparing for the problems around data privacy and the encryption safety to understand more about what we can expect and how we might approach the solutions. Guest: Rhiddiman Das, Founder/CEO, TripleBlindHosts: Nick Holland, Global Head of Research, Money20/20Rachel Morrissey, Content Manager Executive Producer of The MoneyPot, Money20/20 USProducers: Roland Bodenham, Senior Video Producer and Podcast Lead, AscentialRachel Morrissey, Executive Producer of The MoneyPot, Money20/20 US

Chainalysis and Cross River invited us to host a LIVE podcast conversation at the launch party for their new partnership designed to increase the ability of fintechs and community banks to offer crypto products ands services. We had the chance to interview Nathan Bekerman of Cross River and Jeff Billingham of Chainalysis and we discussed the accessibility of crypto for smaller players such as community banks and fintechs, the ways crypto has become more legitimized, and the benefits of web 3 custodianship.Guests: Jeff Billingham, Vice President of Capital Markets, ChainalysisNathan Bekerman, Crypto Strategic Partnerships, Cross RiverHosts: Nick Holland, Global Head of Research, Money20/20Rachel Morrissey, Executive Producer, Money20/20Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, AscentialRachel Morrissey, Executive Producer of the MoneyPot, Money20/20Marketing: Cameron Kane, Head of Marketing, Money20/20US

Collaboration between banks and fintechs has been central to the conversation about the future of money since 2015. But truly flourishing examples are finally in abundance. We got a chance to speak to Josh Goines from Bill.com and Reetika Grewal from Wells Fargo about their partnership to serve medium enterprise banking needs. Done in partnership with Bill.comGuests: Josh Goines, SVP of Partnership and Business Dev, Bill.comReetika Grewal, Executive Vice President, Wells Fargo Host: Rachel Morrissey, Executive Producer of the MoneyPotProducer: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

Earlier this year, 10 nations and several international institutions participated in a simulation "war game" on the global financial networks. It was organized and led by the Israeli Ministry of Finance, to anticipate the need for smarter international cooperation to protect systems. The goal was to prepare for the possibility of wide-spread simultaneous hacks, understand what were the key weaknesses, and find measures that could be implemented across international lines. We got to speak to Rahav Shalom-Revivo, Head of Financial-Cyber Innovation and International Engagements, about the preparation and nature of the simulation, and the key findings that can keep our world safer. In her words " Collaboration is key in order to be able to make sure that the good guys actually win at the end." Guest: Rahav Shalom-Revivo, Head of Financial-Cyber Innovation and International Engagements, Israeli Ministry of FinanceHosts: Sanjib Kalita, Editor-in-Chief, Money20/20Rachel Morrissey, Executive Producer of the MoneyPot, Money20/20Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, AscentialRachel Morrissey, Executive Producer of the MoneyPot, Money20/20

The sanctions on Russian financial institutions following the invasion of Ukraine, including from SWIFT and the freezing of Russian Central Bank assets have been the center of attention for the global financial world. These sanctions or threats of sanctions have already had severe repercussions for both Russia and the global economy- repercussions that have yet to be fully felt. We at Money20/20 wanted to provide clarity around the details of the sanctions, what they seem to imply, and what other financial tools are factors in the complete story, including alternate financial messaging systems within Russia, and the status of crypto.Host: Sanjib Kalita, Editor-in-Chief, Money20/20Producers: Rachel Morrissey, Executive Producer of the podcasts, Money20/20Micky Tesfaye, Financial Journalist, Money20/20Nick Holland, Global Head of Research, Money20/20Roland Bodenham, Senior Video Producer and Podcast Lead, AscentialContributors: Will Haskins, Content Director, Asia & DigitalElena Mesropyan, Former Head of Content, Money20/20EU

Fintech investment is exploding. But, with so much investment, valuations are in question. VC money is aimed at breeding unicorns, which are now much less rare, and being created at a rate of two per day. Is this the best way to truly grow and nourish a healthy financial ecosystem and communities? Or is the VC funding model ready to be disrupted as well? We spoke with Bhavik Vasa, Founder & CEO of GetVantage and Saket Kumar, Co-Founder & CEO of Vitt. about plans to fund smaller niche business, and why that can be a win for VC's and consumers, #VentureCapitalGuests: Bhavik Vasa, Founder & CEO of GetVantage Saket Kumar, Co-Founder & CEO of VittHosts: Micky Tesfaye, Financial Journalist, Money20/20 Rachel Morrissey, Executive Producer, MoneyPot Podcast, Money20/20Producers: Will Haskins, Director of Content, Money20/20 Asia/ Digital Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

AI has a ‘black box' issue and the lack of understanding about how such systems work can raise concerns about opacity, unfair discrimination, ethics and threats to individual privacy and autonomy. Would it be fair/acceptable if in the future AI used your digital identity and social media posts and decided you have very expensive habits and are thus unlikely to repay your debts? The new AI regulation proposed in the EU aims to address these issues by requesting processes to build, audit and safeguard AI systems. We spoke with Ismini Psychoula, Research Scientist at the OneSpann Innovation Center, about the principles behind the new regulations, and how to ensure trustworthiness and fairness in financial services.Guest: Ismini Psychoula, Research Scientist, OneSpan Innovation CentreAPRIL- Autonomous Podcasting Robotic Intelligent LifeformHosts: Sanjib Kalita, Editor-in-Chief, Money20/20Rachel Morrissey, Executive Producer, MoneyPot, Money20/20Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, AscentialRachel Morrissey, Executive Producer, MoneyPot, Money20/20

Bitcoin. Ethereum. Litecoin. All have made headway in the mainstream regarding their functionality and potential use as an actual currency. For crypto to truly take hold as a currency, it needs to be accepted during commerce activities such as buying and selling. Edwin Aoki, CTO of PayPal's BCDC unit, and May Zabaneh, VP of Product for BCDC, join us to discuss how PayPal views these new technologies and what we should expect when it comes to using them for commerce.Guests: Edwin Aoki, CTO of BCDC, PayPalMay Zabaneh, VP of Product, BCDC, PayPalHost: Nick Holland, Global Head of Research, Money20/20Producers: Rachel Morrissey, Executive Podcast Producer, Money20/20Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

We think of AI as something from a Sci-Fi novel, but the reality is AI and natural language processing are already being used in aiding core financial systems. We got the chance to speak to Nino Bice and Vijay Krishnamurthy from the Oracle Lakehouse about their projects in AI, why they are so vital, and what opportunities their projects open in the future. Guests: Nino Bice, Vice President Product Management AI, Oracle Viji Krishnamurthy, AI Specialist, Analytics for Blockchain, OracleHosts: Sanjib Kalita, Editor-in-Chief, Money20/20Nick Holland, Global Head of Research, Money20/20Producers: Rachel Morrissey, Executive Producer, Podcast, Money20/20Roland Bodenham, Senior Video Producer and Podcast Lead, Money20/20

The pandemic forced everyone to reevaluate many parts of life – from work life balance to payment habits. As consumers considered their various situations, it brought about the coming of age and exponential growth of the buy now, pay later industry. Thought of as primarily a millennial and Gen Z payment method due to their existing adoption of the subscription lifestyle, the pandemic forced older generations to adopt buy now pay later services. Hear from Greg Lisiewski, VP of Global Pay Later at PayPal, Samsonite's VP of Marketing and eCommerce David Oksman, and Brian Riley, Director at Mercator Advisory Group about the growth of this industry over the past 18+ months and the impact it has had on their businesses. Guests: Greg Lisiewski, VP of Global Pay Later, PayPalDavid Oksman, VP of Marketing and eCommerce, SamsoniteBrian Riley, Director, Mercator Advisory GroupHost: Rachel Morrissey, Executive Producer, Podcast, Money20/20Producer: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

Since banking became mobile, it feels like it should be more intuitive and more automated. Our money should feel easier to use, easier to save and serve us better. Embedded finance is the beginning of a system where the banking is simply an inherent part of any transaction, and not a belabored afterthought. And with open banking empowering consumers to own their data, the combination with embedded finance could lead to incredible opportunities in every type of financial transaction. We spoke with Sanjay Mathew, from Oracle and Mayank Mishra from Citi, about their outlook as they lead clients through the possibilities. Guests: Sanjay Mathew, Senior Industry Strategy Director, OracleMayank Mishra, Managing Director, Global Head Digital Channels, CitiHosts: Sanjib Kalita, Editor-in-Chief, Money20/20Kisha Allison, Head of Content, Money20/20 USANick Holland, Head of Global Research, Money20/20Producer: Rachel Morrissey, Executive Podcast Producer, Money20/20

The pandemic rocked retail to the core, and was a time when multiple payments options and omni-channel commerce became vital to survival. Some of the biggest casualties are the mid to large traditional retailers who have declared bankruptcy in record numbers. Their profit margins are being squeezed by the behemoths while a lot of the problem solving has been for small businesses to operate better and smoother. In order to compete, retailers need to be able to move as swiftly as the payments industry, keeping up with new preferences, and experiment with trends. We spoke with John Lunn, CEO and Co-Founder of Gr4vy about creating a solution that allows these retailers to modify their payments stacks, and give retailers much needed flexibility. Guest: John Lunn, CEO and Co-Founder of Gr4vyHosts: Sanjib Kalita, Editor-in-Chief, Money20/20Rachel Morrissey, Executive Podcast Producer, Money20/20Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, AscentialRachel Morrissey, Executive Podcast Producer, Money20/20

DeFi and Web 3.0 are upon us. With the growing popularity of crypto, NFTs and other digital assets, new ways to create, gather, and transform wealth are developing. As they do, institutional investors are becoming more and more interested. But, as they invest more in these assets, they must take extra measures around the potential risks and compliance requirements. We spoke with Sanjay Mathew from Oracle and Greg Gilman, from Protego Trust about the way digital assets can change the nature of risk, open markets, and how to make them less risky for institutional investors.Guests: Sanjay Mathew, Senior Industry Strategy Director, OracleGreg Gilman, Founder and Executive Chair, Protego TrustHost: Sanjib Kalita, Editor-in-Chief, Money20/20Producer: Rachel Morrissey, Executive Producer of The MoneyPot, Money20/20

Retail investing has never been a hotter space. During the pandemic, as certain discretionary incomes increased, and apps have made participating in the markets easier, there has been an explosion of interest and activity. But this has led to a proliferation of meme stocks, and questionable investment activities, none of which are disappearing. Retail investing has always had a memetic nature, but social media communities about investing are changing the movement of investing information and making it vulnerable to bad sources. So how do you embrace the openness and create communities that are authentic, creative, and supportive as more people become part of these markets? We spoke to Stephen Sikes, COO of Public.com to learn more about their embrace of communities and how those communities can be fostered to make investing safer. Guest: Stephen Sikes, COO, Public.comHosts: Sanjib Kalita, Editor-in-Chief, Money20/20Rachel Morrissey, Executive Podcast Producer, Money20/20Producers: Sanjib Kalita, Editor-in-Chief, Money20/20Roland Bodenham, Senior Video Producer and Podcast Lead, AscentialRachel Morrissey, Executive Podcast Producer, Money20/20

Over the past year, both traditional and upstart financial service providers have streamlined and digitized to enable remote workforces and customer experiences. Consumers and society overcame challenges not seen in over a generation. Just as survivors of the Great Depression focused on achieving the necessary with minimal resources, consumers coming out of the pandemic have different expectations and behaviors, shaped by the events of the last two years. The game of leapfrog continues and consumers are now jumping, leading to category growth in neo-banking, crypto-investing, mobile financial services and new lending and payment schemes. Money20/20's sister company, WGSN, helps predict future consumer trends and behavior for product design , and they have identified the consumer sentiments that will shape how your future consumers feel, and mapped these sentiments into the four consumer profiles that will shape the world around us in 2023. In this special, we spoke with Andrea Bell, Director of Insights, about her teams expertise and research to identify four predominant trends in future consumers, and we discuss what financial services and tech will be prime for their engagement. Beyond what to expect of your future consumer in how they'll feel and behave, Future Consumer 2023 provides invaluable foresight on what people will want and demand, providing you with the knowledge you need to create the services and strategies of tomorrow. For an industry that prioritizes customer experience, knowing what consumers want is essential in taking a proactive approach to meet consumer demands. Welcome to the future!Guest: Andrea Bell, Director of Insights, WGSNHost: Rachel Morrissey, Content Manager and Executive Producer of The MoneyPot, Money20/20Producer: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

Over the past 18 months, businesses of all shapes and sizes have needed to focus specifically on the digital customer experience as other channels have closed or slowed down. The ability to define the customer experience – and make it unique – is not just a differentiator, but what allows companies to succeed during a challenging, unprecedented time. We spoke with Dr. Tiffany Raymond of PayPal on how leveraging e-commerce will not just accelerate business but can also be optimized with strategic thinking.Guest:: Dr. Tiffany Raymond, Head of Global Customer Advocacy, PayPalHosts: Sanjib Kalita, Editor-in-Chief, Money20/20Rachel Morrissey, Content Manager & Executive Producer of the podcast, Money20/20Producers: Rachel Morrissey, Content Manager & Executive Producer of the podcast, Money20/20Sanjib Kalita, Editor-in-Chief, Money20/20Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

Embedded finance is at the heart of payments innovation. Uberized payments, digital wallets, and contactless service has become the standard. Will the next wave be credit cards? Do the brands that you love know you better than your financial institution, and are they willing to extend you more credit because of it? We spoke with Dov Marmor about the new Railsbank Credit Card as a Service (CCaaS) platform about this new evolution of credit and the deep satisfaction of creating tools to help foster peoples dreams. Guest: Dov Marmor, COO, North America, RailsbankHosts: Sanjib Kalita, Editor-in-Chief, Money20/20Rachel Morrissey: Executive Podcast Producer, Money20/20Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, AscentialKisha Allison, Head of Content, Money20/20 USA

Community banks are at a moment of decision, like a football game going to penalties. They are in the midst of consolidations, acquisitions, and pressure to digitize. The number of these banks are shrinking in the EU and US, but during the pandemic, many have shown resilience and won a lot of goodwill through excellent customer engagement. We spoke with Mantl's Nathaniel Harley and Jesse Wedler, Capital G to speak about the mission to help community banks digitize their culture, their onboarding, and eventually, their whole stack.Guests: Nathaniel Harley, Co-Founder and CEO, MANTLJesse Wedler, Partner, CapitalGHosts: Sanjib Kalita, Editor-in-Chief, Money20/20Rachel Morrissey, Executive Producer of the MoneyPot, Money20/20Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, AscentialRachel Morrissey, Content Manager, Money20/20 USA

We are on the verge of the great bank consolidation. While currently, there are nearly 5000 banks each in the US and Europe, that number is going to significantly reduce in the next few years as banks merge, and are acquired by other banks or fintechs. Amidst this, how do you create a culture that is tech forward and eliminates the hierarchies that can prevent quicker innovation? We decided to speak to Dontà Wilson and Scott Case, who have led the merger to create Truist Bank, dealing with creating a new culture and moving to a hybrid cloud core, all during the pandemic. Guests: Dontà Wilson, Chief Digital and Client Experience Officer, Truist Scott Case, Chief Information Officer, TruistHosts: Sanjib Kalita, Editor-in-Chief, Money20/20 Rachel Morrissey, Executive Producer, MoneyPot at Money20/20Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential Rachel Morrissey, Executive Producer, MoneyPot at Money20/20

Banks are racing to both "apply digital lipstick" to keep consumer experiences up to date and competitive, and to transform their cores, so that they can run mission critical applications in a digital first world. We had a conversation with Sanjay Matthew, Senior Industry Strategy Director, and Aubrey Hawes, Senior Director- Global Banking Solutions, at Oracle, to talk about the ideas behind progressive transition, to protect your business and create a stronger foundation for the future. Guests: Sanjay Matthew, Senior Industry Strategy Director, OracleAubrey Hawes, Senior Director- Global Banking Solutions, OracleHost: Rachel Morrissey, Executive Producer of the MoneyPot, and Content Manager, Money20/20 USAProducer: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential Rachel Morrissey, Executive Producer of the MoneyPot, and Content Manager, Money20/20 USA

No one is surprised that digital wallet adoption soared during the pandemic, but there is a lot more to digital wallet adoption than simply contactless payments. The approach different countries and regions take to innovation and the nature of digital wallets is having a large impact, We talked with Frida Polyak, Analyst and Researcher at Euromoniter International about what she was seeing behind digital wallet adoption across Europe, both in policy and market leader strategies. Guest: Frida Polyak, Analyst & Researcher, Euromonitor InternationalHosts: Sanjib Kalita, Editor-in Chief, Money20/20Gary Dempsey, Content Lead, Money20/20 EUProducers: Roland Bodenham, Senior Video Producer and Podcast Lead, AscentialRachel Morrissey, Executive Producer of The MoneyPot, Money20/20

Fintech in Latin America is flourishing. The worlds largest neobank is in Brazil, digital wallets are seeing unprecedented adoption, and with a largely unbanked population, the potential markets are huge. We talked to Michel Golffed, the Senior Vice President of Growth at dLocal about how bridging payments to emerging markets is changing the fintech landscape, opening eCommerce to a new consumer base, and fueling exciting innovation. Guest: Michel Golffed, Senior Vice President of Growth, dLocalHost: Kisha Allison, Head of Content, Money20/20 USARachel Morrissey, Content Manager, Money20/20 USAProducers: Roland Bodenham, Senior Video Editor, AscentialRachel Morrissey, Executive Producer of The MoneyPot podcast, Money20/20

Alibaba subsidiary Ant Group Financial was headed for a highly anticipated IPO that was quickly pulled back when the Chinese Government imposed a much stricter regulatory structure. Now people are wondering if the IPO is curtailed for good, or what would need to happen for it to move forward. We are also wondering what these regulatory movements could mean as a pre-curser to increased regulatory scrutiny in the west. We spoke with Chong Li, Director of Government Relations and Strategic Partnerships here at Ascential, and with Sampath Sharma, Associate Research Analyst for APAC Fintech at S&P Global Market Intelligence, to understand what the new regulatory measures mean for Alibaba and Ant Financial, and when or if we can expect an IPO. Guests: Chong Li, Director of Government Relations and Strategic Partnerships, Ascential, Sampath Sharma, Associate Research Analyst for APAC Fintech at S&P Global Market IntelligenceHosts: Will Haskins, Content Director, Money20/20 AsiaRachel Morrissey, Executive Podcast Producer, Money20/20 Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, AscentialWill Haskins, Content Director, Money20/20 Asia

The proponents of embedded finance have coined the phrase "Every Company Is a Fintech Company", and they are betting that the majority of all companies in the future will have financial services as part of their offerings. And while money has always been a large influence in every industry, this will give finance and the tools of finance more power to change things than ever before. As we are confronting the need for diversity, the opportunities for financial inclusion, and rethinking the problems around every basic institution, we need authenticity to guide us. With the help of Amy Nauiokas, CEO and Co-Founder of Anthemis Group, we sift through some of the arguments around how to think about the growing fintech ecosystem and the expansion of financial services. Guest: Amy Nauiokas, CEO and Co-Founder, Anthemis GroupHost: Sanjib Kalita, Editor-in-Chief, Money20/20, Rachel Morrissey, Executive Producer, Money20/20 USAProducers: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential, Rachel Morrissey, Executive Producer, Money20/20

We did our first LIVE interview for The MoneyPot at the Fintech South Conference with Johnny Reinsch, CEO and Co-Founder of QWIL. With the expansion of self-employment in the "new-normal" economy, solutions that enhance the ability and solve for the pain points that contractors and consultants experience is more important than ever. QWIL is on a mission to solve the biggest pain point- getting paid on time! We had a great time with Fintech South and thank them for the opportunity to record a session with Johnny about solving issues for independent contractors and exploring the nature of entrepreneurship. Guest: Johnny Reinsch, CEO and Co-Founder of QWILHost: Sanjib Kalita, Editor-in-ChiefRachel Morrissey, Producer, Money20/20 USAProducers: Roland Bodenham, Senior Video Editor and Podcast Lead, AscentialRachel Morrissey, Producer, Money20/20 USA

Investment apps have garnered a lot of attention this year, as the thwarted GameStop short displayed how democratized access has changed the flow of market information and actions. While some have treated it as a game, investing is a great way to protect and build wealth. And while we are experiencing inflation, democratizing and making those tools available to everyone is an important step in re-imagining personal finance to help build up the middle class. We spoke to Brian Barnes, the CEO of M1 Finance, who is working to make investing part of every persons financial management, and has created a way to encourage micro-investing that helps people think long term and understand that everything is becoming digital, even the rancher's cows...Guest: Brian Barnes, CEO of M1 FinanceHosts: Sanjib Kalita, Editor-in-Chief, Money20/20Rachel Morrissey, Producer, Money20/20Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Money20/20Rachel Morrissey, Producer, Money20/20

User experience is at the heart of the fintech revolution. Innovation has centered around building better, smarter, cheaper, and more helpful services to disrupt the establishment and reinvigorate competition for the consumer. If data is the oil of that innovation, then understanding the pipelines is all part of enhancing customer service and the user experience. To understand more about data flows, and how that can contribute to stronger business models, better UX, and the future of work, we spoke with Halil Kama of the London Internet Exchange (LINX)Guest: Halil Kama, Senior Peering Advisor, LINXHosts: Sanjib Kalita, Editor in Chief, Money20/20Elena Mesropyan, Head of Content, Money20/20 EUProducers: Roland Bodenham, Senior Video Producer and Podcast Lead, AscentialRachel Morrissey, Executive Podcast Producer, Money20/20

In our part 2 of How to Re-Platform a Bank, we rejoin Form3 to take us through the tips to let go of your legacy technologies, and update your core. What steps should you consider? What helps you to trust the process and feel secure. And as cloud technologies become more central, how soon should you get started? We spoke to Nick Middleton, the Enterprise Program Director at Form3 about tips and ideas to start your transformation.Guest: Nick Middleton, Enterprise Program Director, Form3Host: Sanjib Kalita, Editor-in-Chief, Money20/20Gary Dempsey, Content Leader, Money20/20 EUProducer: Roland Bodenham, Senior Video Editor and Podcast Lead, AscentialSanjib Kalita, Editor-in-Chief, Money20/20

Open finance is gearing up to change the way that financial products are developed and delivered. For example, payroll data underpins almost all retail financial products. Having better, cleaner, faster access to that data could change the way financial risk is assessed. So, what has kept us from using it before? - cost, privacy, speed, verified accuracy, and technological capability. But, all of that could be set to change according Kurt Lin, the Co-Founder and CEO of Pinwheel, the API for payroll. Guest: Kurt Lin, Co-Founder and CEO of PinwheelHosts: Sanjib Kalita, Editor-in-Chief, Money20/20Rachel Morrissey, Producer, Money20/20Producers: Roland Bodenham, Senior Video Editor and Podcast Lead, AscentialRachel Morrissey, Producer, Money20/20

Whether cryptocurrencies are up or down, they have gained real legitimacy in 2020. One of the reasons behind that is a company called Chainalysis, which has built an impressive data platform that allows you to decode transaction history throughout blockchains. But their plans are much more ambitious. Recognizing the value of bitcoin's scarcity, and the creativity spurred by innovations of competing currencies, they see a future of digital assets and want to provide the platform to keep them secure and legitimate. To learn how, we spoke to Philip Gradwell, Chief Economist at Chainalysis, IncGuest: Philip Gradwell, Chief Economist, Chainalysis, Inc. Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20Rachel Morrissey, Producer, Money20/20Producers: Roland Bodenham, Senior Video Editor and Podcast Lead, AscentialRachel Morrissey, Producer, Money20/20

Customer centricity is central to fintech innovation and lately groups of digital first banks have sprung up addressing the needs of different underserved communities. Daylight, a neobank aimed at serving LGBT+ communities, is changing the game when it comes to understanding the customer. Using both market research and personal experience, Co-Founders Rob Curtis and Billie Simmons, are applying common sense and a humane approach to creating a better customer experience. They are now calling on the entire industry to shift their practices by starting the Call Me By My Name campaign to ask that financial services adopt those practices industry wide. Guests: Rob Curtis, CEO and Co-Founder, DaylightBillie Simmons, Co-Founder and Chief of Staff, DaylightHosts: Gary Dempsey, Content Leader, Money20/20 EUKisha Allison, Head of Content, Money20/20 USAProducers: Roland Bodenham, Senior Video Producer and Podcast Lead, AscentialRachel Morrissey, Producer, Money20/20

Venture Capital is at the heart of financial services disruption. In Q1 of 2021, over 17 billion dollars has poured into fintech startups, and the investors are not simply side players that provide a check. They can be an invaluable resource for founders creating the products and services that are changing this industry. Understanding the expertise, networks, and talent pools that VCs bring to the table can help startups understand what they should look for in a VC. We spoke to Rebecca Lynn, Founder of Canvas Ventures about the role she plays and what VCs bring to the table. Guest: Rebecca Lynn, Founder, Canvas VenturesHosts: Sanjib Kalita, Editor-in-Chief, Money20/20Rachel Morrissey, Producer, Money20/20Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, AscentialRachel Morrissey, Producer, Money20/20