The Payments Show Podcast

In episode 100 of The Payments Show Podcast, I spoke to Tachat Igityan who is the Founder of destream.destream is a financial platform for content creators which revolutionises the way content creators receive payments and donations.VIDEO and PDF Transcript:- click here https://thepaymentsshow.substack.com/p/100 Summary of topics discussed:(01:41) - Guest Introduction: Tachat Igityan (Founder, destream)(03:52) - Payment Challenges Faced by Content Creators(05:27) - Origin Story: Frustrations as a Donator(07:05) - Abundance of Tools... Nothing for Payments(09:23) - Creators Are Not Traditional "Merchants" (11:23) - Creators Are Not "Startups" Either!(12:51) - Terms & Conditions vs Legal Compliance(13:50) - First-Party Fraud (Friendly Fraud)(19:03) - The Solution: Payment Links and more(22:52) - Hassle-Free Payments for Creators(24:36) - Aggregation = Power: a Win for Banks and Creators(26:50) - ASMR and OnlyFans Save The Day!(29:06) - Why destream Exists: To Help You(31:20) - Less Steps = More Donations(33:17) - The Future: Physical + Digital Payment Experiences(35:26) - Local Payment Methods and One-Click Payments(37:26) - Getting Started with destream(39:04) - Cyprus: Startups and a New Creator MEP!Details:- Recorded on 18 Jul 2024- Host: Satwant Phull- Guest: Tachat Igityan, Founder, destreamNext Steps:- destream: destream.net | @destreamproject

In episode 99 of The Payments Show Podcast, I spoke to Das Pattathil who is the Co-Founder & Head of Product at Nextuple.Nextuple helps retailers transform their legacy Omnichannel Order Management systems using microservices.VIDEO and PDF Transcript:- click here https://thepaymentsshow.substack.com/p/99 Summary of topics discussed:(00:36) - Guest Introduction: Das and Nextuple(01:03) - Understanding Nextuple's Mission(01:42) - Challenges in Retail Fulfilment(02:12) - Importance of Accurate Delivery Promises(03:56) - Real-World Example: Early Delivery(05:08) - Impact of Precise Delivery Promises(06:12) - Microservices in Order Management(07:40) - Internal Fulfilment Challenges(09:11) - Legacy Systems vs. Microservices(12:45) - Case Study: BJ's Wholesale Club(15:07) - Ideal Customer Profile(16:30) - Retail Challenges: Self Checkouts and Returns(19:59) - Expanding Beyond Retail: B2B and Wholesale(22:42) - Nextuple's Core Philosophy and Community(24:12) - Future Trends in Retail and Fulfilment(30:05) - Conclusion and Final ThoughtsDetails:- Recorded on 18 Jul 2024- Host: Satwant Phull- Guest: Das Pattathil, Co-Founder & Head of Product, NextupleNext Steps:- Nextuple: nextuple.com | @NextupleInc

In episode 98 of The Payments Show Podcast, I spoke to Suryaveer (Suri) Singh who is the Head of Loyalty CRM & Data at the Emirates National Oil Company (ENOC). Suri manages the ‘Yes Rewards' fuel loyalty program at ENOC. Yes Rewards allows customers to benefit from exclusive offers and deals across Yes participating brands and earn points for all customer purchases within the network. VIDEO Version and PDF Transcript:- click here https://thepaymentsshow.substack.com/p/98 Summary of topics discussed:00:20 - Guest Introduction: Suri from Yes Rewards in Dubai01:16 - Overview of the YES Rewards Program02:16 - Core ENOC Brands and Services02:58 - Expanding YES Rewards Beyond Fuel05:22 - Challenges with Loyalty Programs05:58 - Addressing App Saturation and Engagement06:38 - Relevance and Customer Engagement08:52 - Instant Gratification and Offers15:55 - Results and Success of YES Rewards18:35 - Designing a User-Friendly App23:18 - Differentiation in the Market27:33 - Future of Loyalty Programs29:01 - Upcoming Trends in Loyalty and AI30:12 - Closing Thoughts and RecommendationsDetails:- Recorded on 18 Jul 2024- Host: Satwant Phull- Guest: Suryaveer (Suri) Singh, Head of Loyalty CRM & Data, Yes Rewards / Emirates National Oil Company (ENOC). Next Steps:- Yes Rewards: yesrewards.ae 

In episode 97 of The Payments Show Podcast, I spoke to Donat Husjainov, who is the Chief Product Officer at XData Group. XData Group is a B2B software development company that offers cutting-edge technology solutions exclusively for banks including UX/UI design, product prototyping, MVP creation and much more.VIDEO Version and PDF Transcript: - click here https://thepaymentsshow.substack.com/p/97 Summary of topics discussed:00:19 - Guest Introduction: Donat from xData Group00:57 - Overview of xData Group01:56 - Importance of UX and UI in Banking03:46 - Current Projects and Client Solutions05:07 - SaaS vs. Custom Solutions for SMEs12:07 - The Role of Metrics and Analytics15:07 - Engaging with Clients: Process and Steps21:53 - Security and Cloud Solutions23:37 - App Fatigue and Super Apps27:31 - Chatbots and AI in Banking30:14 - Future Plans and Market Expansion31:00 - UI in Asia vs The West36:03 - Final Thoughts and RecommendationsDetails:- Recorded on 15 Jul 2024- Host: Satwant Phull- Guest: Donat Husjainov, Chief Product Officer, XData GroupNext Steps- xData Group: xdatagroup.io

In episode 96 of The Payments Show Podcast, I spoke to Jordan Wright who is the CEO and Co-Founder of Atomic Financial.Atomic Financial has recently introduced a solution called PayLink which offers businesses the ability to offer customers recurring bill pay, updating payment methods, and managing subscriptions.VIDEO Version and PDF Transcript: - click here https://thepaymentsshow.substack.com/p/96 Summary of topics discussed:00:19 - Guest Introduction: Jordan Wright00:55 - Atomic Financial Overview02:03 - Championing Financial Mobility02:49 - PayLink and Payment Solutions03:31 - Consumer Financial Management04:10 - Expanding Access to Services04:54 - Jordan's Personal Motivation06:48 - Implementation and Use Cases07:55 - Consumer Banking Competition09:45 - Subscription Management13:27 - Customer Examples16:48 - App Fatigue and Financial Hubs23:52 - Reliability of Payment Systems is Critical27:29 - Closing Remarks and Contact Information28:28 - Future of Payments and Real-Time TransactionsDetails:- Recorded on 27 Jun 2024- Host: Satwant Phull- Guest: Jordan Wright, CEO and Co-Founder, Atomic FinancialNext Steps:- Get in touch with Satwant: digitalmoneylab.com - Atomic Financial: atomic.financial

In episode 95 of The Payments Show Podcast, I spoke to Rodrigo Figueroa who is is the COO at Chargeback Gurus.Chargeback Gurus helps businesses to prevent chargebacks and recover more revenue with flexible technology solutions.VIDEO Version and PDF Transcript:Video: https://thepaymentsshow.substack.com/p/95 Summary of topics discussed:01:26 - Global Fintech Insights02:47 - Exploring International Payment Systems05:12 - Chargeback Gurus Overview05:40 - The State of Chargebacks 202406:59 - Challenges and Costs of Chargebacks11:24 - Fraud and Merchant Strategies27:48 - Laggards in the Company28:10 - The Rise of Check Fraud28:43 - Optimism and Challenges in Payment Fraud29:37 - Fraud During the Pandemic30:29 - The Distributed Nature of the Card Payments Industry31:36 - Ideal Customers and Onboarding Process33:24 - Fighting Chargebacks: Strategies and Expertise45:24 - Global Reach and Future PredictionsDetails:- Recorded on 26 Jun 2024- Host: Satwant Phull- Guest: Rodrigo Figueroa, COO, Chargeback GurusNext Steps:- Get in touch with Satwant: digitalmoneylab.com - Chargeback Gurus: chargebackgurus.com | @ChargebackGurus

In episode 94 of The Payments Show Podcast, I spoke to Merrick Theobald who is the VP of Marketing at BitPay.BitPay is a payment platform that enables businesses to accept bitcoin and other popular cryptocurrencies as a form of payment.VIDEO Version and PDF Transcript: - click here https://thepaymentsshow.substack.com/p/94 Summary of topics discussed:(00:43) - Bitcoin's Price Surge: A Crypto Update(01:11) - Introducing BitPay and the Crypto Payment Landscape(02:52) - The Surprising Popularity of Litecoin in Transactions(03:20) - Crypto Adoption Among Top E-commerce Companies(03:41) - The Growing Mainstream Acceptance of Cryptocurrency Payments(06:48) - Exploring BitPay's Success and Customer Demographics(07:34) - Luxury Purchases and Everyday Needs: BitPay's Wide Reach(09:14) - Why Companies Choose Crypto: The Case of AMC and PacSun(10:45) - Expanding BitPay's Services: Payroll, Payouts, and Bill Payments(13:06) - The Importance of B2B Payments and Stablecoins(15:05) - Educating Businesses and Consumers on Crypto Benefits(18:07) - Global Impact and the Equalizing Power of Cryptocurrency(19:05) - Nation States and Big Companies Investing in Bitcoin(20:38) - Building Trust in the Crypto Payment Industry(33:08) - The Future of Payments: AI, Bill Payments, and More(33:09) - Predictions for the Payments World: NFTs, AI, and Beyond(34:40) - BitPay's Innovations and Future Plans(36:46) - Closing Thoughts and Future OutlookDetails:- Recorded on 25 Apr 2024- Host: Satwant Phull- Guest: Merrick Theobald, VP of Marketing, BitPayNext Steps- Get in touch with Satwant: digitalmoneylab.com - BitPay: bitpay.com | @BitPay- Bit Pay Articles: > > Top Questions to Ask When Choosing a Crypto Payment Processing Partner: click here> > BitPay Blog: https://bitpay.com/blog/

In episode 93 of The Payments Show Podcast, I spoke to Francesc Altisent who is the VP of Product at Mangopay.  Mangopay provides a modular payment infrastructure for the world's largest marketplaces and platforms.VIDEO Version:- click here https://thepaymentsshow.substack.com/p/93 Summary of topics discussed:(00:23) - Introducing Francesc and Mangopay(00:44) - Surprising Stats on Online Marketplaces(01:06) - The Expansive Reach of Marketplaces(01:47) - Diversifying Beyond Big Names(02:33) - Challenges and Growth in Marketplaces(03:46) - Case Studies: Vinted and Chrono24(04:23) - Adapting to Various Marketplace Scenarios(05:25) - Flexibility in Payment Solutions(06:08) - Peer-to-Peer vs. Professional Marketplaces(07:41) - Choosing the Right Payment Provider(09:35) - Navigating Payment System Choices(14:50) - The Importance of Flexibility and Modularity(18:38) - Expanding MangoPay's Market Reach(21:56) - Fraud Prevention and Security Measures(27:04) - Engaging with MangoPay: Getting Started(32:46) - Closing Thoughts and Chit ChatDetails:- Recorded on 23 Apr 2024- Host: Satwant Phull- Guest: Francesc Altisent, VP of Product, Mangopay.  [Next Steps]- Get in touch with Satwant: digitalmoneylab.com - Mangopay: mangopay.com | @mangopay

In episode 92 of The Payments Show Podcast, I spoke to Juliana Pereira who is the SVP of Marketing at Trustmi. Trustmi is a payment security solution that protects businesses from losing money through cyberattacks, internal collusion, human error, and ensuring payments go to the right place.VIDEO and PDF Transcript: - click here https://thepaymentsshow.substack.com/p/92 Summary of topics discussed:(00:46) - Exploring Trustmi's Mission and Impact(02:04) - The Staggering Cost of Payment Fraud(03:13) - Deep Dive into Trustmi's Solution for Payment Security(07:38) - Understanding Trustmi's Integration and Implementation(12:02) - Bank Account Validation: Not Enough Against Fraud(15:27) - Tackling Duplicate Payments and Financial Errors(19:02) - Overview of Trustmi's Comprehensive Solution Modules(20:57) - Addressing Supply Chain Attacks and Insider Collusion(21:31) - Unveiling Email Compromise Tactics(22:36) - Detecting Supply Chain Fraud(23:08) - The Insidious Insider: Internal Collusion Exposed(25:05) - Audit Logs and Separation of Duties(25:11) - Real-World Fraud Stories and Lessons(26:28) - Comprehensive Solutions for Complex Problems(27:17) - Case Study: Colgate Palmolive's Security Success(30:26) - Getting Started: Proof of Concept and Deployment(35:08) - Facing the Future: AI and Cybersecurity Trends(40:53) - Closing Thoughts and Chit ChatDetails:- Recorded on 22 Apr 2024- Host: Satwant Phull- Guest: Juliana Pereira, SVP of Marketing, Trustmi.[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - Trustmi: trustmi.ai 

In episode 91 of The Payments Show Podcast, I spoke to George Csahiouni who is the CEO at Swoop Finance Swoop Finance helps Small to Medium businesses upgrade, replace, or acquire new technology on a low monthly payment plan.VIDEO and PDF Transcript:- click here https://thepaymentsshow.substack.com/p/91 Summary of topics discussed:(01:16) - Introduction to Swoop Finance(02:06) - The Growing Market of POS and PaaS(03:50) - What Sets Swoop Apart in the Marketplace(04:50) - Exploring Swoop's Innovative Financing Solutions(14:35) - Swoop's Impact on SMBs: Lowering Payment Processing Costs(22:40) - The Benefits of Swoop's Solutions for End Users(23:09) - Exploring Flexible Financing Solutions(23:31) - Customized Lease Terms and Micro Lending(24:25) - The Challenge of Small Business Financing(25:48) - Comprehensive Financing Beyond Technology(26:24) - Emergency Funding and Business Expansion Support(28:20) - Real-World Business Scenarios and Solutions(30:33) - Optimizing Payment Processing and Technology Upgrades(32:04) - Acquiring Customers and Implementing Solutions Quickly(34:26) - Future Trends in Payment and Retail SpacesDetails:- Recorded on 16 Apr 2024- Host: Satwant Phull- Guest: George Csahiouni, CEO, Swoop Finance [Next Steps]- Get in touch with Satwant: digitalmoneylab.com - Swoop Finance: swoopfinancing.com | info@swoopfinancing.com | USA: +1 877.707.9667

In episode 90 of The Payments Show Podcast, I spoke to Warren Brown who is the Head of Product at Settle.Settle is an all-in-one payments solution for growing consumer brands. It offers Payments, AP automation, Working Capital and more. VIDEO and PDF Transcript: - click here https://thepaymentsshow.substack.com/p/90 Summary of topics discussed:(00:21) - Introduction(00:57) - Overview of Settle: Revolutionising E-commerce Growth(01:55) - Settle's Impact and Growth Trajectory(02:51) - The Product Side: Unlocking Growth for Customers(04:30) - Exploring Settle's Core Solutions: A Deep Dive(05:39) - The Power of Automation and Financing in Operations(08:27) - Transitioning from Traditional Tools to Settle(10:33) - The Origin Story of Settle(12:23) - Target Audience: Startups, Scale-ups, and Accountants(13:40) - The Role of Accountants in Settle's Ecosystem(18:52) - Case Studies: Real-world Success Stories(24:30) - The Transition Process to Settle's Platform(27:22) - Settle's Customer Base and International Payments(34:52) - Future Goals and Predictions for the Payment SpaceDetails:- Recorded on 15 Apr 2024- Host: Satwant Phull- Guest: Warren Brown, Head of Payments, Settle[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - Settle: settle.com | @usesettle 

In episode 89 of The Payments Show Podcast, I spoke to Tim Brown who is the Global Identity Officer at Prove.Prove is one of the world's most accurate identity verification and authentication platforms. It is used by thousands of businesses across many industries including e-Commerce, Financial Services, Healthcare and Gaming. VIDEO and PDF Transcript: - click here https://thepaymentsshow.substack.com/p/89 Summary of topics discussed:(00:43) - Meet Tim Brown: Global Identity Officer at Prove(01:02) - The Impact of Prove in Various Industries(02:04) - Tim' Journey in Biometrics and Identity Verification(03:34) - The Evolution of Biometric Technology and Its Adoption(06:25) - Prove's Unique Approach to Identity Verification(07:01) - Enhancing E-commerce and Financial Services with Prove(12:48) - Selfie Scans: The Challenges(15:25) - Profiting from the Future of Identity Verification and Commerce(21:58) - From Payphone to Prove: The Company's Evolution(25:05) - Exploring Passwordless Authentication with Prove Auth(25:23) - The Role of FIDO Alliance in Eliminating Passwords(26:55) - Understanding Passkeys: A Leap Towards Secure Authentication(29:34) - Prove's Approach to Identity Verification and Passkeys(32:24) - The Future of Authentication: Trends and Predictions(32:40) - Enhancing Business Solutions with Prove's Identity Verification(33:29) - Impact of Governments on Wallets, Centralisation and Decentralisation(41:07) - Entertaining Anecdotes from a Career in Identity and Authentication(45:08) - Final Thoughts and How to Connect with Prove(47:06) - Chit ChatDetails:- Recorded on 27 Mar 2024- Host: Satwant Phull- Guest: Tim Brown, Global Identity Officer, Prove[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - Prove: prove.com | @ProveIdentity

In episode 88 of The Payments Show Podcast, I spoke to Megan Oxman who is SVP of Product and Experience at Paysafe.  Paysafe offers capabilities in payment processing, digital wallets, and online cash solutions.VIDEO and PDF Transcript: - click here https://thepaymentsshow.substack.com/p/88 Summary of topics discussed:(00:29) - Start(00:56) - Paysafe Overview(01:57) - Stats: The Importance of Offering Diverse Payment Options(03:04) - Exploring PaySafe's Digital Wallets and eCash Solutions(04:56) - The Global Reach of PaySafe's Payment Methods(05:33) - Enhancing Sales Conversion with Diverse Payment Systems(07:24) - Merchant Engagement and Solutions with PaySafe(09:08) - The Evolution of PaySafe's Offerings and Customer Focus(11:23) - Innovations in PaySafe's Product Line(12:58) - The Impact of User Experience (UX) on Payment Solutions(14:20) - The Role of UX Design in Payment Platforms(15:30) - Addressing Fraud and Security in Payment Solutions(18:59) - Understanding PaySafe's Brand Ecosystem(19:51) - The Advantages of PaySafe's Digital Wallet for Merchants(26:07) - Future Predictions and Trends in the Payment Space(26:29) - Frictionless, Intuitive Journeys(27:13) - Consumers Trusting Fewer Providers(27:42) - Growth of Cash(30:26) - CloseDetails:- Recorded on 18 Mar 2024- Host: Satwant Phull- Guest: Megan Oxman, SVP of Product and Experience, Paysafe[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - Paysafe: paysafe.com | @Paysafe

In episode 87 of The Payments Show Podcast, I spoke to Dan Moshkovich, VP of Marketing at Chargeflow. Chargeflow helps eCommerce brands recover chargebacks automatically using AI and software.VIDEO and PDF Transcript:- click here https://thepaymentsshow.substack.com/p/87 Summary of topics discussed:(00:21) - Start(01:09) - Chargeback Stats(05:04) - 80/20: "Friendly" Fraud vs "Real" Fraud(08:50) - Easier Than Ever To File a Chargeback(11:26) - Differing Win Rates in Different Industries(16:37) - Solution Overview: 100% Success-based Fees Only(21:53) - ChargeResponse and ChargeScore(26:25) - Human Last Line of Defence(27:40) - Chargeflow Alternatives: Their Weaknesses(30:30) - Getting Started with Chargeflow(32:29) - Customer Success Stories(34:07) - Scams and Frauds: Organized Crime is a Major Threat(37:51) - "To Catch a Fraudster" Podcast(39:11) - Chargebacks Are NOT a "Cost of Doing Business"(41:15) - Chargeflow in 2024 and Beyond(42:27) - Chit ChatDetails:- Recorded on 28 Feb 2024- Host: Satwant Phull- Guest: Dan Moshkovich, VP of Marketing, Chargeflow[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - Chargeflow: chargeflow.io | @chargeflowhq

In episode 86 of The Payments Show Podcast, I spoke to Jonathan Tomek who is the Vice President of Research & Development at Digital Element.   Digital Element empowers businesses to extract actionable insights from a consumer's internet connection, leveraging their IP address. These insights encompass location, connection type, demographic data, VPN usage, and proxy details. By harnessing this data, businesses can enhance ad targeting precision, optimize content localization, and mitigate online fraud.VIDEO and PDF Transcript: - click here https://thepaymentsshow.substack.com/p/86Summary of topics discussed:(00:00) - Start and Introduction(01:31) - VPN Stats and Their Implications(03:32) - How Do You Find the True Location of a VPN User?(05:19) - Non-human Internet Traffic: Proxies(07:48) - Additional IP Insights: Carrier Databases, Demographics and More(09:46) - IP Characteristics: Evolution of IP Addresses Over Time(11:30) - TOR, Anonymity and the Darknet(14:15) - Customers Using Digital Element: Context Is Key(18:46) - Overview of the Solution(21:11) - Strict Payment Processing Rules Don't Solve All Problems(24:16) - Next Steps: Getting Started with Digital Element(25:17) - New Threats: Connected TV Ad Fraud and Bots(28:22) - Threats from IoT Devices(35:09) - Chit Chat(36:15) - THOTCON Hacking Conference, ChicagoAnd much more…Details:- Recorded on 8 Feb 2024- Host: Satwant Phull- Guest: Jonathan Tomek, VP of R&D, Digital Element[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - Digital Element: digitalelement.com

In episode 85 of The Payments Show Podcast, I spoke to Len Covello who is the Chief Technology Officer at Engage PeopleEngage People provides loyalty solutions to businesses, enabling members to earn and redeem rewards.VIDEO and PDF Transcript:- click here https://thepaymentsshow.substack.com/p/85Summary of topics discussed:(00:59) - Stats on Loyalty Points(01:50) - Company Overview: Engage People(04:41) - The Power of Brand Trust in Loyalty Program(05:46) - The Importance of Seamless Integration in Loyalty Schemes(06:14) - Pay with Points(09:29) - The Role of Loyalty Programs in Travel(10:49) - The Impact of App Fatigue on Loyalty Programs(13:18) - The Evolution of Loyalty Programs(13:47) - Paid Loyalty Programs and Exclusivity(16:00) - Personalisation and Timeliness of Offers(21:05) - Where to Start with a New Loyalty Program(25:06) - The Future of Retail and Loyalty(26:10) - Loyalty Fraud and Security(31:17) - Implementing a Loyalty Solution(33:00) - Get In TouchAnd much more…Details:- Recorded on 31 Jan 2024- Host: Satwant Phull- Guest: Len Covello, CTO at Engage PeopleNext Steps- Get in touch with Satwant: digitalmoneylab.com - Engage People: engagepeople.com

In episode 84 of The Payments Show Podcast, I spoke to Alex Harris who is a Co-founder at FIAT Ventures.  FIAT Ventures is a Venture Capital company based in Silicon Valley which has a unique method of working closely with their portfolio companies compared to other VC firms. This discussion ranges from the unusual journey Fiat Ventures took into the world of venture capitalism, to their insights into specific payment companies they have backed and the dynamics of those partnerships.VIDEO and PDF Transcript: - click here https://thepaymentsshow.substack.com/p/84 Summary of topics discussed:(00:36) - Welcome(03:02) - Start: Introducing Alex Harris and Fiat Ventures(03:33) - The Journey to Venture Capital(04:38) - The Growth of Fiat Ventures(06:07) - The Unique Approach of Fiat Ventures in Building Companies(08:29) - The Founding Story of Fiat Ventures(10:17) - Investments in Payment Tech Companies(16:29) - The Criteria for Investing in Companies(19:38) - The Unique Due Diligence Process of Fiat Ventures(20:55) - The Role of Fiat Ventures' Platform Team(22:05) - Exploring the Payment Space(22:41) - The Rise of Embedded Finance(24:31) - Increasing Importance of Fraud, KYC and Compliance Tools(25:28) - The Role of AI in Finance(28:28) - The Importance of Data Understanding(30:13) - The Future of Finance: Inclusion(38:55) - 2024 PredictionsDetails:- Recorded on 28 Nov 2023- Host: Satwant Phull- Guest: Alex Harris, Co-founder, FIAT Ventures[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - FIAT Ventures: fiat.vc | @FiatVen

In episode 83, I speak to Heidi Hunter, Chief Product Officer at IDology, about how their platform helps businesses to create frictionless and secure eCommerce customer experiences. We discuss how the platform provides many features including dynamic Knowledge-based Authentication, Transaction Monitoring, document authentication, biometric verification and many others to streamline checkout processes, increase conversions and prevent fraud. We also discuss the challenges and opportunities of digital identity verification in the eCommerce industry, and how IDology adapts to changing regulations and customer expectations.VIDEO and PDF Transcript: - click here https://thepaymentsshow.substack.com/p/83 Summary of topics discussed:(01:02) - IDology Overview: Identity Verification and Fraud Management(02:29) - Statistics on Business Fraud and Data Breaches(03:32) - Exploring the Sophistication of Fraud Attacks(04:51) - The Role of Technology in Fraud Prevention(05:17) - Impact of COVID-19 on Digitization and Fraud(06:15) - The Importance of Data Collection in Fraud Prevention(06:59) - Challenges in Asserting Ownership of Data(08:58) - The Importance of a Smooth Onboarding Process(11:18) - Synthetic Identity Fraud(12:40) - Data Depth vs Richness(15:04) - Differentiating Factors of Ideology's Solutions(17:35) - eDNA: Data Collection Across Industries & Markets(18:49) - Money Moves: Find It Faster(21:27) - Layering Data: Data Breaches & The Dark Web(22:53) - Industry Consortium Fraud Network & Cross Border Verification(30:08) - Fraud Trends: Surge in Fraudulent Domains(32:44) - The Investment Fraudsters Make in Synthetic Identity Profiles(33:23) - The Surge in Voice Over IPs(33:52) - Efficiency of Fraudulent Submissions(34:10) - Regulation and Legislation Around Money Transfers(34:48) - The Challenge of Differentiating Fraudulent P2P Transfers(36:44) - Predictions & The Future(37:19) - Business Verification Is Increasingly Important(38:26) - The Impact of OpenAI on Fraud(41:45) - Know Your Business (KYB) Verification(49:09) - Get in Touch with IDologyDetails:- Recorded on 15 Nov 2023- Host: Satwant Phull- Guest: Heidi Hunter, Chief Product Officer, IDology[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - IDology: idology.com | @idology

In episode 82 of The Payments Show Podcast, I spoke to Michael Seaman who is the CEO of SwipeSum.SwipeSum a technology company that helps businesses find the most cost-effective merchant services and payments solutions through it's AI solution called Staitment. Staitment helps merchants to find the best solutions in seconds compared to manual audits which can take many weeks or months.VIDEO and PDF Transcript: - click here https://thepaymentsshow.substack.com/p/82 Summary of topics discussed:(00:42) - Introduction(01:35) - Overview: Staitment AI(03:11) - Origin Story: Michael's Journey from WorldPay to Swipesum(06:00) - The Importance of the Right Payment Solution(08:28) - The Role of Mobile Wallets(13:19) - Current Payment Trends(17:01) - Stripe: Mass Exodus of Customers(19:49) - Integrations & Statement Formats(23:03) - The Challenges and Opportunities in B2B Payments(28:27) - SwipeSum's Business Model(29:31) - Implementation & Getting Started with Staitment(32:24) - The Importance of Customer Service(33:52) - Contact Information(33:59) - Chit ChatDetails:- Recorded on 30 Oct 2023- Host: Satwant Phull- Guest: Michael Seaman, CEO, SwipeSum[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - SwipeSum: swipesum.com/staitment | @TrySwipeSum

In episode 81 of The Payments Show Podcast, I spoke to Mike Savoff who is the Shopify Marketing Strategist at RushRush is an app that helps e-commerce brands to increase revenue by turning one-time buyers into repeat customers through shipping notifications that take customers to high-converting and well-crafted tracking pages filled with upsells and cross-sells. VIDEO and PDF Transcript:- click here https://thepaymentsshow.substack.com/p/81 Summary of topics discussed:(00:48) - Introduction and Guest Welcome(02:05) - Introduction to Rush App(02:54) - The Importance of Customer Loyalty(03:16) - Stats: Shipping vs Marketing Emails, and ROI(04:16) - D2C Brands: Fashion, Clothing, Jewellery(04:45) - The Power of Delivery Notifications(05:53) - The Impact of Customer Service and Tracking Inquiries(06:14) - The Role of Upsells and Cross Sells(11:21) - Notifications, Customer Reviews and Carriers(15:13) - The Benefits for End Users: Delivery Anxiety > Delivery Anticipation(18:05) - Case Studies and Success Stories(22:45) - Customer Lifetime Value is The Most Important Metric(24:18) - Differentiation: Rush vs Other Solutions(27:45) - Founding Story(31:30) - The Future(32:44) - Chit ChatAnd much more…Details:- Recorded on 04 Oct 2023- Host: Satwant Phull- Guest: Mike Savoff, Shopify Marketing Strategist, Rush[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - Rush: rush.app | @tryrushapp

In episode 80 of The Payments Show Podcast, I spoke to Dustin Magaziner who is the Founder of PayBright. PayBright helps businesses to reduce processing costs by up to 30%, recommends the best payment systems for different types of business, and provides risk management advice to ensure your business runs 100% of the time. VIDEO and PDF Transcript: - click here https://thepaymentsshow.substack.com/p/80Summary of topics discussed:[02:15] - Founding Story: Poor Industry Practices[11:15] - PayBright's Main Services[13:02] - ROI and Lifetime Customer Value[17:52] - Introductory Rates: Bad for Both Parties[20:49] - Industry Consolidation: Pros & Cons[24:46] - Food, Beverage and Quick Service Restaurants[25:32] - Platform Risk: TOS, High-Risk Accounts, Getting Cancelled[26:41] - Types of "Risk"[28:07] - Risk Analysis & Management with PayBright[38:37] - Convenience vs Ability to Get a Merchant Account[40:09] - Micro-Merchants: Where Square Succeeded[43:22] - PayBright: a Trusted Partner, Not The "Best of the Worst in Payments"!And much more…Details:- Recorded on 28 Sep 2023- Host: Satwant Phull- Guest: Dustin Magaziner, Founder, PayBright[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - PayBright: gopaybright.com

In episode 79 of The Payments Show Podcast, I spoke to Emmanuel Daniel. Emmanuel is the Founder of Asian Banker, a Thought Leader in the future of finance, and Author of the book titled "The Great Transition: The Personalisation of Finance". This was a fascinating episode as we discussed many important topics such as the Network Economy, Debanking and Censorship, CBDCs, Cybersecurity, and much more.  VIDEO and PDF Transcript: - click here: https://thepaymentsshow.substack.com/p/79Summary of topics discussed:[01:33] - Start: Founder of Asian Banker[04:31] - Emmanuel's Book: "The Great Transition: The Personalisation of Finance"[06:24] - Industrialisation vs Digitisation of Finance[08:34] - Market Economy > Network Economy[11:34] - Deposits > Digital Wallets > Stablecoins[17:06] - Debanking and Censorship vs Central Bankers[19:26] - CBDCs Have Failed Already[22:50] - Banks Missed the API Revolution[25:06] - Cybersecurity Risk and Innovation Through Crisis[26:38] - Social Credit Scores and China[33:50] - Dysfunctional Economies: The United States[37:54] - The Next Major Crash: Driven by Digital Communications and Perception[42:33] - UX, UI and Conversion[44:18] - Emmanuel's Next Book: "Winning Civilization"And much more…Details:- Recorded in July 2023- Host: Satwant Phull- Guest: Emmanuel Daniel: Founder of Asian Banker, Thought Leader, and Author[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - Emmanuel Daniel: emmanueldaniel.com | @EmmanuelDaniel

In episode 78 of The Payments Show Podcast, I spoke to Yair Nechmad who is the Founder of Nayax.  Nayax provides businesses with payment solutions for Point of Sale and Unattended Retail such as Vending, Parking, EV Chargers, Car Washes and more.VIDEO and PDF Transcript:- click here https://thepaymentsshow.substack.com/p/78Summary of topics discussed:[00:00] - Further Information[00:28] - Introduction[01:19] - Start[02:33] - Nayax Company Overview[04:20] - High Volume, Low Transaction Value[05:28] - Total Cost of Ownership: Transparency and Efficiency[07:03] - TCO of Cash Payments: Not Crossing 7% Cost of Cash[09:24] - Switching Millions of Cash Systems to Cashless[11:38] - Physical Installation Made Easy[14:02] - Analytics, Reporting & Alerts... For The First Time Ever![15:44] - Network Connectivity for Machines (with Waterfall Capability)[18:48] - Leading Verticals for Vending Machines[19:23] - Promising New Vertical: EV Chargers[21:43] - Current and Future Markets Served[28:10] - Nova Market: Grocery Self-Checkout[30:52] - Net New Business Opportunities Not Possible with Cash[33:29] - Loyalty and Engagement: Digital Receipts as a Landing Page[37:30] - Nayax Business Model: 3 Pillars[38:57] - Nayax is a Complete End to End, One Stop Solution[40:10] - Nayax Technology Partners[41:30] - Low Customer Churn Rate[42:44] - Get in Touch with Nayax[43:10] - The FutureAnd much more…Details:- Recorded in Jun 2023- Host: Satwant Phull- Guest: Yair Nechmad, Founder, Nayax[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - Nayax: nayax.com | @NayaxGlobal

In episode 77 of The Payments Show Podcast, I spoke to Todd Watts who is the CEO and Co-Founder of PatientFi.PatientFi partners with US healthcare practices to remove cost barriers by offering patients friendly monthly plans, so more patients can say yes to the elective procedures they want.VIDEO and PDF Transcript: - https://thepaymentsshow.substack.com/p/77Summary of topics discussed:[02:41] - Growth Projections for Treatments [03:35] - Overview of PatientFi[07:38] - Profit Margins in Aged Care vs Looking Youthful[09:17] - Regenerative Procedures: Winding Back the Clock[10:29] - General BNPL vs PatientFi[15:59] - PRIVI - Customised Plans for Non-Invasive Treatments [18:59] - Scheduling for Optimal Theraputic Results[21:17] - Benefits for Medical Providers[21:45] - Loyalty to Medical Practice[22:09] - Sell a Medical Practice More Easily with a PRIVI Customer Base[23:27] - Selling on Value Not Price[25:23] - Medical Staff Skills: A Tiered Approach[28:16] - Challenges with the US Healthcare System[29:52] - PatientFi's Focus on Discretionary and Elective Treatments[31:16] - Benefits of the Free Market vs Reimbursed Care[34:36] - Too Much Friction Between All Stakeholders[37:02] - Customer Success Stories[39:58] - The Future: Dentistry, Fertility and PRIVI[42:17] - A 10-Year Prediction: Acceptance[44:26] - Get in Touch with PatientFi[44:38] - Chit ChatAnd much more…Details:- Recorded on 27 Jun 2023- Host: Satwant Phull- Guest: Todd Watts, CEO & Co-Founder, PatientFi[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - PatientFi: patientfi.com

In episode 76 of The Payments Show Podcast, I spoke to Uku Tomikas who is the CEO of Messente. Messente is a dedicated business messaging platform which enables businesses to send one-time passwords, PIN codes, notifications and verifications to customers securely – and at scale.VIDEO and PDF Transcript:  - click here Summary of topics discussed:[00:00] - Introduction [01:04] - Start [02:00] - P2P (Consumer) vs A2P (Business) Messaging[02:34] - OTP Codes, AI, Fraud, Scams and Security[03:37] - Popular Messaging Platforms: Regional Differences[04:51] - Roaming Challenges with SMS[07:02] - Industry Use Cases (esp. Financial Services)[10:20] - Different Conversion Rates for Different Messaging Platforms[12:27] - RCS Messaging[16:36] - Increasing Sales Conversions Through Messaging[19:24] - Surprising Stats: Too Many vs Too Few Messages[23:58] - Transparent Pricing[27:55] - Verigator: Go Global on Day 1[31:41] - Getting Started with Messente: SME to Enterprise[33:02] - From SDR to CEO! - Uku's Rise at Messente[34:07] - Messaging Scams Are Increasing and Better Quality with AI and ChatGPT[37:13] - Hardware and Subscriber Verification[39:41] - Contact Details[40:03] - The Future: RCS and Fraud[42:23] - Chit ChatAnd much more…Details:- Recorded on 15 Jun 2023- Host: Satwant Phull, Founder of Digital Money Lab- Guest: Uku Tomikas, CEO of Messente[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - Messente: messente.com 

In episode 75 of The Payments Show Podcast, I spoke to Patrick Gauthier who is the CEO of Convera. Convera is a leader in B2B cross-border payments and has 30,000 customers worldwide. It helps companies to move money (FX) – and capture value – with speed and simplicity.Timestamps[00:00] - Introduction: From Amazon Pay to Convera[03:53] - The Beginning of FinTech[06:10] - Commercial Payments is Ready for Innovation[07:58] - Underinvestment in B2B FinTech[09:33] - Crypto Skepticism: Proof of Stake vs Proof of Work[11:40] - Central Banks vs Stablecoins[13:37] - Convera's Mission: Growth, Simplicity & Confidence[14:07] - Mitigating Currency Fluctuation Risk[15:24] - Solutions from Convera[20:12] - Examples of How Convera Delivers Business Agility and Confidence[25:00] - Convera's Global Operations[26:20] - Global Regulations: Privacy, Data Sovereignty, AML, Sanctions[28:46] - Increasing Geopolitical Risk in a Changing World[30:16] - Dedollarisation? Maybe Not... If We Look At History[32:05] - Global Demographics are Changing the Channels of Commerce[34:58] - The Most Important Question to Ask Customers[36:37] - Convera's Growth Through Mergers & Acquisitions[38:39] - Partnering and Hedging with Banks as Counterparties[41:35] - Get Started with Convera[43:05] - Chit ChatDetails:- Recorded on 24 May 2023- Host: Satwant Phull, Founder of Digital Money Lab- Guest: Patrick Gauthier, CEO of Convera.[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - Convera: convera.com | @Converaholdings

In episode 74 of The Payments Show Podcast, I spoke to Kevin Ludford and Abrie Greeff, who are the Co-founders of fumopay.fumopay is a, Open Banking payment solution that enables account-to-account transactions. It provides a faster, cheaper, and safer alternative to traditional card payments for both businesses and consumers.VIDEOWatch the Video version here: https://youtu.be/SlAscZXLB8w Summary of topics discussed:[00:00:00] Introduction[00:02:17] Start[00:03:06] Origin and Growth of Open Banking[00:06:00] Fumo Social App Concept [00:08:18] Challenges with Bill Splitting Apps and Startup Banks[00:09:34] Benefits for Businesses[00:10:08] Increasing Account to Account (A2A) Payment Adoption[00:14:51] Increasing Cash Flow and Xero Integration[00:17:38] Pay By Bank When Payment Terminals Fail[00:19:17] Which Type of Customer Uses Pay By Bank?[00:22:01] fumpay's Market Position[00:26:00] Influencing Consumers: e.g. Instant Refunds[00:28:37] Specific Use Cases Are The Key[00:30:09] Markets Served by fumopay [00:33:57] Get Started with fumopay[00:36:16] Variable Recurring Payments and SweepingAnd much more…Details:- Recorded on 13 Jun 2023- Host: Satwant Phull, Founder of Digital Money Lab- Guest: Kevin Ludford & Abrie Greeff, Co-founders, fumopay.[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - fumopay: fumopay.com | @fumopay

In episode 73 of The Payments Show Podcast, I spoke to Aron Alexander who is the Founder of Runa. Runa enables businesses to seamlessly send digital value to anyone, anywhere, instantly. The platform helps companies to build embedded rewards and incentive experiences.VIDEOWatch the Video version here: https://youtu.be/dhF331n_JBI CHAPTERSClick through the Chapters Menu at the top of the episode webpage here: http://thepayments.showSummary of topics discussed:1.  Low Value, High Velocity Payments2.  Gig and Remote Work in a Globalised World3.  The Runa Network: 3 Benefits for Merchants and Consumers4.  Why Use Runa Instead of Going Direct as a Merchant?5.  Use Cases: Vodafone, Halfords, Samsung and More6.  Freeing Up Working Capital and Reducing Operational Processes7.  API Instead of Full Integration8.  Evolving from WeGift to Runa9.  Building the Merchant + Network + Customer Flywheel10.  Offer Instant, Frictionless Experiences to CustomersAnd much more…Details:- Recorded on 15 Jun 2023- Host: Satwant Phull, Founder of Digital Money Lab- Guest: Aron Alexander, Founder, Runa[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - Runa: runa.io | @runapay

In episode 72 of The Payments Show Podcast, I spoke to Gregg Aamoth who is the CEO and Co-founder of POPcodes.POPcodes transforms smart payment terminals into a powerful merchant and customer engagement tool.VIDEOWatch the Video version here: https://youtu.be/86R0W9Q2IZk  CHAPTERSClick through the Chapters Menu at the top of the episode webpage here: http://thepayments.showSummary of topics discussed:1.  Terminals Are More Powerful Than Smartphones2.  Ubiquity of Smartphone Payments Will Take Time3.  android on Payment Terminals4.  The Challenges with SMEs and Payment Terminals5.  POPcodes vs Payment Terminal Manufacturers6.  30,000 Merchants Using POPcodes7.  Reducing Training and Support Costs 8.  Bringing New Experiences to Merchants and Customers9.  Improving Affiliate Sales, Promotions and Omnichannel Capabilities10.  Flipping eCommerce vs In-Store IncentivesAnd much more…Details:- Recorded on 12 Jun 2023- Host: Satwant Phull, Founder of Digital Money Lab- Guest: Gregg Aamoth, Co-Founder of POPcodes[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - POPcodes: popcodes.com | @popcodes

In episode 71 of The Payments Show Podcast, I spoke to Asaf Darash who is the Founder of RegPack.RegPack is a B2B platform that is aimed at Service-based Businesses. It incorporates flexible payment options and rapid onboarding features. The platform is ideal for Groups, Clubs, Memberships, Retreats and much more. Click through the Chapters Menu at the top of the episode webpage here: http://thepayments.showSummary of topics discussed:1.  Startup Tech Scene in Israel2.  Shopify for Services3.  Average 30% Business Growth After Deploying RegPack4.  Time & Space: The Difference Between Service and Product-Based Businesses5.  B2B Platform6.  Dealing with Complexity7.  The Onboarding Process8.  Founding Story: from PhD to Launch9.  Easy Deployment10.  Challenges in Marketing a Vertical-Based Business And much more…Details:- Recorded on 23 May 2023- Host: Satwant Phull, Founder of Digital Money Lab- Guest: Asaf Darash, Founder of Regpack[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - RegPack: regpacks.com | @regpack

In episode 70 of The Payments Show Podcast, I spoke to Justin Duling who is the Senior Vice President & Commercial Director at Loqate. Loqate provides businesses with the most curated location and address data in the world. This data is carefully selected, verified and enriched to ensure that businesses can lower delivery costs, onboard customers faster, and increase conversions.Click through the Chapters Menu at the top of the episode webpage here: http://thepayments.showSummary of topics discussed:1. High Cost of Failed Deliveries and Fraud2. How Locals Describe Locations3. Postal Formats Around the World4. Less Developed Postal Authorities5. Converting and Onboarding Good Customers6. "Location" vs "Address": Will "Addresses" Disappear?7. AI and The Challenges with "Local" Postal Authorities8. Pent Up eCommerce Demand: Address and People Verification9. Address Accuracy is Critical for Onboarding10. How Different Countries Describe Locations vs AddressesAnd much more…Details:- Recorded on 22 May 2023- Host: Satwant Phull, Founder of Digital Money Lab- Guest: Justin Duling, Senior Vice President & Commercial Director, Loqate.[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - Loqate: loqate.com | @loqate

In episode 69 of The Payments Show Podcast, I spoke to Austin Mac Nab who is the Founder of VizyPay.  VizyPay helps small to mid-sized businesses in rural America to lower their payment processing costs.Click through the Chapters Menu at the top of the episode webpage here: http://thepayments.showSummary of topics discussed:1. Niche Focus: Rural America2. Price Gouging3. Levelling Up Rural America4. Pricing Structures5. Interchange / Hybrid / Cash6. Why Not Do It Yourself with Cash?7. Fighting Card brands8. Disruption, Culture and Reputation9. The Importance of Diverse Staff Experience10. Austin's Journey: From Shop Floor to FounderAnd much more…Details:- Recorded on 18 May 2023- Host: Satwant Phull, Founder of Digital Money Lab- Guest: Austin Mac Nab, Founder, VizyPay[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - VizyPay:  vizypay.com | @vizypay

In this episode of The Payments Show Podcast, I spoke to Sarunas Matulevicius who is the Head of Product at Axis in Egypt. Axis is a solution which helps small to medium businesses in Egypt with payments, banking, payroll and other essential tools. Click through the Chapters Menu at the top of the episode webpage here: http://thepayments.showSummary of topics discussed:1. Serving the Unbanked and Underbanked 2. For Businesses and Individuals3. Stats for Egypt: Banking and Financial Inclusion4. The Market of Egypt5. Government Wants to Digitize the Economy6. Regulation & Compliance in Egypt7. Culture and Sharia Financial Compliance8. Impact of Macro Economics and War9. Legacy Banks10. Deals & Discounts, QR CodesAnd much more…Details:- Recorded on 27 Apr 2023- Host: Satwant Phull, Founder of Digital Money Lab- Guest: Sarunas Matulevicius, Head of Product, Axis[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - Axis: axisapp.com | @axis_app

In this episode of The Payments Show Podcast, I spoke to Kim Schwendeman who is the SVP of Payment Adoption at Stax. Stax is an all-in-one payments platform that provides businesses of all sizes the technology needed to manage financials, payments, customer data and much more.Click through the Chapters Menu at the top of the episode webpage here: http://thepayments.showSummary of topics discussed:1. Subscription Pricing2. SaaS Recession: Lead with Payments3. Cost of Payments 4. APIs To Create Unique Payment Experiences 5. Surcharging Functionality 6. Interchange Costs 7. Stax Pay 8. All In One Platform 9. Vertical Solutions10. Great Experiences with ISV Partners And much more…Details:- Recorded on 26 Apr 2023- Host: Satwant Phull, Founder of Digital Money Lab- Guest: Kim Schwendeman, SVP of Payment Adoption, Stax.[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - Stax: staxpayments.com | @staxpayments

In this episode of The Payments Show Podcast, I spoke to PJ Gupta who is the Founder of Checkbook.Checkbook is a platform which enables organisations to reduce the costs and overheads of handling and processing cheque payments. It supports a variety of flexible deposit options enabling recipients to choose the deposit option that best suits their needs.Click through the Chapters Menu at the top of the episode webpage here: http://thepayments.showSummary of topics discussed:1. Why Check / Cheque Usage Is Increasing 2. The Challenges for Business Payments3. Software vs Rails4. What Problems Does Checkbook Solve?5. Use Cases vs Rails6. Single API7. The High Cost of Exceptions8. Ultra Low Cost, Fast Payments9. Convenience: No Signups10. Increasing Efficiency By An Order of MagnitudeAnd much more…Details:- Recorded on 26 Apr 2023- Host: Satwant Phull, Founder of Digital Money Lab- Guest: PJ Gupta, Founder, Checkbook[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - Checkbook: checkbook.io | @checkbook

In E65 of The Payments Show Podcast, I spoke to Adwait Joshi who is the Founder and CEO of DataSeers. DataSeers is a SaaS solution that helps payment companies to manage critical operations such as fraud detection, compliance, identity & onboarding, reconciliation and analytics.Click through the Chapters Menu at the top of the episode webpage here: http://thepayments.showSummary of topics discussed:1. Real-Time Payments2. AI3. Merchant Account Fraud4. Synthetic Identity Fraud: Chasing a Ghost5. Analysing the Entire Payment Journey6. Pre-Paid Cards7. Financial Inclusion and Privacy8. Multicurrency Challenges9. AI Ethics: Good Guys vs Bad Guys10. Founding Story: Solving Crime Through PaymentsAnd much more…Details:- Recorded on 18 Apr 2023- Host: Satwant Phull, Founder of Digital Money Lab- Guest: Adwait Joshi, Founder and CEO, DataSeers.[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - DataSeers: dataseers.ai | @DataSeers

In E64 of The Payments Show Podcast, I spoke to Bill Zielke who is Chief Revenue and Chief Marketing Officer at BitPay.  BitPay is a payment gateway that enables merchants to accept Bitcoin and cryptocurrency payments with zero price volatility risk.Click through the Chapters Menu at the top of the episode webpage here: http://thepayments.showSummary of topics discussed:1. Access to High-Spending, Affluent Customers2. 50% Lower Payment Processing Costs 3. Luxury Retail vs Smaller Merchants 4. Fast Onboarding for Merchants 5. Settlement: Crypto or Fiat6. Point of Sale: Not Just Online7. Who Is Using Crypto?8. Locking Prices: No Under or Overpayments To Merchants 9. Invoicing In Crypto 10. Fees and Charges: 1% - 2%And much more…Details:- Recorded on 30 Mar 2023- Host: Satwant Phull, Founder of Digital Money Lab- Guest: Bill Zielke, Chief Revenue and Chief Marketing Officer, BitPay[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - BitPay: bitpay.com | @BitPay

In this episode of The Payments Show Podcast, I spoke to Justin Passalaqua who is the Country Director for Worldline in Canada. Worldline is the 4th largest payments company in the world, and is used by merchants, banks and acquirers.Click through the Chapters Menu at the top of the episode webpage here: http://thepayments.showSummary of topics discussed:1. UX and UI2. Working with ISVs3. Niche and Vertical Markets4. Direct and Indirect Relationships with End Customers5. Customer Support6. Humanising Payments7. Getting Banned from Payment Platforms8. Reducing Friction9. Fraud10. Invoicing is Finally DyingAnd much more…Details:- Recorded on 07 Mar 2023- Host: Satwant Phull, Founder of Digital Money Lab- Guest: Justin Passalaqua, Country Director, Worldline[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - Worldline: bambora.com (Bambora will now be known as Worldline)

In this episode of The Payments Show Podcast, I spoke to Dave Glaser who is the President and COO at Dwolla.Dwolla helps companies to power sophisticated account-to-account payment solutions via their low code API and Partnership ecosystem.Click through the Chapters Menu at the top of the episode webpage here: http://thepayments.showSummary of topics discussed:1. From Retail to B2B Payments2. New Layer for Payments 3. From ACH to FedNow 4. "Funds Flows": More Than Just Moving Money 5. Profitability Over Growth At All Costs 6. Digital Reimbursements 7. New vs Legacy Customers 8. Dwolla Wallet9. Virtual Account Numbers and ACH Account Routing10. Fraud and Security And much more…Details:- Recorded on 01 Mar 2023- Host: Satwant Phull, Founder of Digital Money Lab- Guest: Dave Glaser, President and COO, Dwolla[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - Dwolla: dwolla.com | @dwolla

In this episode of The Payments Show Podcast, I spoke to Michael Grillo who is the VP of Marketing at Ampla.Ampla provides B2B Pay Later and Lending solutions to help businesses grow.Click through the Chapters Menu at the top of the episode webpage here: http://thepayments.showSummary of topics discussed:1. Pay Later… for B2B Customers2. SME Lending3. Data, UX and UI4. No VCs or Banks Need Apply5. B2B eCommerce and Marketplaces6. The Future: Banking, Bill Pay & Cards7. The Fate of Consumer BNPL8. Risks of a Single Tech & Payments Provider9. Competitive Landscape10. Customer Success StoriesAnd much more…Details:- Recorded on 23 Feb 2023- Host: Satwant Phull, Founder of Digital Money Lab- Guest: Michal Grillo, VP of Marketing, Ampla[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - Ampla: getampla.com | @getampla

In this episode of The Payments Show Podcast, I spoke to Shameer Sachdev who is the Founder & Managing Director at Growth Gorilla. Growth Gorilla helps Payment Technology companies go to market, grow, and master their market entry. Click through the Chapters Menu at the top of the episode webpage here: http://thepayments.showSummary of topics discussed:1. What's Growing In Payments Tech Right Now?2. Influencers and Creators3. UX and UI4. Improving Conversion Rate Optimisation5. B2B Sales Up To $50,000 With No Salespeople!6. Content Marketing and Google Ads7. Faster Payments vs Crypto8. International Payments9. Go To Market Strategy10. Selling Payments vs Selling WidgetsAnd much more…Details:- Recorded on 20 Feb 2023- Host: Satwant Phull, Founder of Digital Money Lab- Guest:  Shameer Sachdev, Founder & Managing Director, Growth Gorilla[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - Growth Gorilla: growthgorilla.co.uk | @GrowthGorilla 

In this episode of The Payments Show Podcast, I spoke to Cory Hymel, who is the VP of Product & Research at Gigster. Gigster helps companies to develop their own NFTs, and supports emerging tech like AI and Blockchain.Click through the Chapters Menu at the top of the episode webpage here: http://thepayments.showSummary of topics discussed:1. How Can Businesses Make Use of NFTs?2. The Value of Communities3. Charmin and Budweiser NFTs4. Nike and Starbucks: Digital Transformation5. Porsche NFT Backlash6. Financial Accounting Challenges7. NFT Interoperability8. Gigster's Services: Branding, NFT Platform and Developers9. The Human Cloud10. Culture Without OfficesAnd much more…Details:- Recorded on 22 Feb 2023- Host: Satwant Phull, Founder of Digital Money Lab- Guest: Cory Hymel, VP of Product & Research, Gigster[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - Gigster: gigster.com | @trygigster

In this episode of The Payments Show Podcast, I spoke to Balaji Devarasetty who is the Chief Technology Officer at Paya. Paya is a leading provider of integrated payment and commerce solutions in the B2B payments market. You will find this episode useful if your company deals with thousands of invoices and other manual payment processes and procedures which cost a significant amount of time, money and resources. Click through the Chapters Menu at the top of the episode webpage here: http://thepayments.showSummary of topics discussed:1. B2B Challenges With Digitization2. The High Cost of Invoices, Cheques and Manual Payments3. Payment Terms and Dynamic Discounts4. ERP Integration5. Why In-House ACH Processing is Critical6. What Is Driving Business Change Now?7. Risk Management8. Real-Time Payments: Now and the Future9. FedNow, Crypto, CBDCs10. Cashflow and Supply Chain FinancingAnd much more…Details:- Recorded on 06 Dec 2022- Host: Satwant Phull, Founder of Digital Money Lab- Guest: Balaji Devarasetty, CTO at Paya[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - Paya: paya.com | @payahqSupport the show

In this episode of The Payments Show Podcast, I spoke to James Citron who is the CEO of Pledge.  Pledge is an award-winning fundraising platform that makes it easy for charities, non-profits, businesses and individuals to make a positive impact in their communities and around the world.Click through the Chapters Menu at the top of the episode webpage here: http://thepayments.showSummary of topics discussed:1. Size of the Non-profit Market2. Donations Are Broken3. Aligning with Peoples' Values4. Supporting 2 Million Charities Worldwide5. The Death of In-Person Donations6. Impact Metrics7. Crypto Donations Go Mainstream8. Multiple Charities on One Fundraising Page9. Permissionless Campaigns10. Pledge Covers Card Fees > $1,000And much more…Details:- Recorded on 02 Nov 2022- Host: Satwant Phull, Founder of Digital Money Lab- Guest: James Citron, CEO, Pledge[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - Pledge: pledge.to | @pledgeofficialSupport the show

In this episode of The Payments Show Podcast, I spoke to Alex Zeltcer who is the CEO & Co Founder at nSure.ai. nSure AI is an advanced fraud prevention platform which protects sellers of digital goods and other high-risk domains, such as ticketing, gaming and gift cards.Click through the Chapters Menu at the top of the episode webpage here: http://thepayments.showSummary of topics discussed:1.  Fraud Prevention2.  No User Verification Needed3.  Risk Profiles4.  Detecting Scalable Fraud Patterns5.  Building a Fraud Profile6.  Immediate Value Transfer7.  Offensive Measures8.  Merchant Liability: A Big Error From The Past9.  Risk Management vs Fast Payments10.  ML ModelsAnd much more…Details:- Recorded on 11 Oct 2022- Host: Satwant Phull, Founder of Digital Money Lab- Guest: Alex Zeltcer, CEO & Co Founder, nSure.ai[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - nSure AI: nsure.ai | @nSure_aiSupport the show

In this episode of The Payments Show Podcast, I spoke to Joe De Pinto who is the Co-Founder of Haste Arcade. Haste Arcade is the world's first Instant Leaderboard Payout gaming platform which rewards gamers and games developers in cryptocurrency. It currently allows both groups of people to make money with Bitcoin SV and HST Tokens.Click through the Chapters Menu at the top of the episode webpage here: http://thepayments.showSummary of topics discussed:1. Gaming Marketplace2. Finding Bitcoin in 20143. Micropayments for All 4. Bitcoin Cash (BCH)5. Bitcoin SV (BSV)6. Scale Not Required7. Playing for Money8. HST Reward Tokens9. Airdrops for Developers10. Gamifying Different Industries: Education and the Sales ProfessionAnd much more…Details:- Recorded on 01 Sep 2022- Host: Satwant Phull, Founder of Digital Money Lab- Guest: Joe De Pinto, Co-Founder, Haste Arcade[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - Haste Arcade: hastearcade.com | @hastearcadeSupport the show

In this episode of The Payments Show Podcast, I spoke to Ed Brandler who is the Co-Founder & Chief Commercial Officer at Two. Two is a Buy Now Pay Later (BNPL) solution for B2B companies. Click through the Chapters Menu at the top of the episode webpage here: http://thepayments.showSummary of topics discussed:1. Challenges faced by SMBs2. The $50,000 Checkout Problem3. Avoiding Chargebacks and Fraud4. B2B Advantages vs B2C5. bCommerce: B2B eCommerce Solutions6. Importance of Freeing Up Working Capital7. Increasing Sales Conversions and Average Order Values8. Fast Credit Approvals9. Bank Transfers and Open Banking10. Fast ImplementationAnd much more…Details:- Recorded on 18 Aug 2022- Host: Satwant Phull, Founder of Digital Money Lab- Guest: Ed Brandler, Co-Founder & Chief Commercial Officer, Two[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - Two: two.inc | @Two_b2bSupport the show

In this episode of The Payments Show Podcast, I spoke to Joe Keeley who is the CEO & Co-Founder at JustiFi Technologies.JustiFi delivers payment and embedded fintech solutions to vertical SaaS platforms to help them grow multiple streams of revenue and lower costs. Click through the Chapters Menu at the top of the episode webpage here: http://thepayments.showSummary of topics discussed:1. Challenges with SaaS in Industry Verticals2. The Real Economic Engine in SaaS3. Reducing SaaS Churn4. Increasing Revenue Through Payments Tech5. One Stop Shop6. Marketplaces for Saas?7. Increasing Company Value8. Cost of Payments9. Don't Just Use APIs10. Fast DeploymentAnd much more…Details:- Recorded on 10 Aug 2022- Host: Satwant Phull, Founder of Digital Money Lab- Guest: Joe Keeley, CEO & Co-Founder, JustiFi Technologies[Next Steps]- Get in touch with Satwant: digitalmoneylab.com - JustiFi: w: justifi.ai | t: @_JustiFiSupport the show

In this episode of The Payments Show Podcast, I spoke to Snehal Fulzele who is the Founder & CEO of Cion Digital.Cion Digital helps businesses in areas such as big-ticket retail to access revenue opportunities by integrating their existing financial systems with cryptocurrency.Click through the Chapters Menu at the top of the episode webpage here: http://thepayments.showSummary of topics discussed:1. Customers Forcing Crypto Adoption2. Selling Big Ticket Items3. Integration Into Existing Systems4. Platform vs Point Solution5. Triple vs Double Entry Bookkeeping6. Crypto Loans and Collateral7. Borrowing, Risk and Regulation8. Tax and Compliance9. Case Study: Auto Dealerships10. Reimagining Credit ScoresAnd much more…Details:- Recorded on 25 Jul 2022- Host: Satwant Phull, Founder of Digital Money Lab- Guest: Snehal Fulzele, Founder & CEO, Cion Digital[Next Steps]- Get in touch with Satwant: digitalmoneylab.com- Cion Digital: w: ciondigital.com | t: @ciondigitalSupport the show

In this episode of The Payments Show Podcast, I spoke to David Giannetto who is the CEO of WorkWave.WorkWave is a company which provides Field Service Management Software for industries including Cleaning, Pest Control, Plumbing, Electrical, HVAC and many more. WorkWave made a strategic decision to take full control of their payment systems and developed an in-house solution so that they could deliver a superior customer experience. Click through the Chapters Menu at the top of the episode webpage here: http://thepayments.showSummary of topics discussed:1. Payments Facilitator vs Embedded Payments2. Controlling the Stack3. Off The Shelf vs Custom Solution4. Poor Service From Payment Processors5. Payments Are Eating The World6. Organizational Structure7. Money Should Just Flow: Become Invisible8. March 2020: A Key Decision for a Superior Customer Experience9. Results in the Field: The New Stack10. Transparency of Fees: The Blowback!And much more…Details:- Recorded on 27 Jun 2022- Host: Satwant Phull, Founder of Digital Money Lab- Guest: David Giannetto, CEO, WorkWave[Next Steps]- Get in touch with Satwant: digitalmoneylab.com- Get in touch with David: LinkedIn: bit.ly/3NQHBSb- WorkWave: workwave.com | @WorkWaveSupport the show

In this episode of The Payments Show Podcast, I spoke to Ben Turner who is the CEO and Founder of Verituity. Verituity delivers first-time and on-time verified payouts and intelligent pay-by-anything experiences, all while reducing payout complexity, risks, and lowering costs.Click through the Chapters Menu at the top of the episode webpage here: http://thepayments.showSummary of topics discussed:1. Initial Customers2. Real-time Payments3. Verification and Security4. Pay by Anything5. Know Your Transaction vs Know Your Customer6. First-time On-time Payments7. Legacy vs Fintechs8. Industry Use-Cases9. Moving and Verifying Data10. Dealing with Cheques...and much moreDetails:- Recorded on 22 Jun 2022- Host: Satwant Phull, Founder of Digital Money Lab- Guest: Ben Turner, CEO and Founder, Verituity.[Next Steps]- Get in touch with Satwant: digitalmoneylab.com- Get in touch with Ben: LinkedIn: linkedin.com/in/turnerb- Verituity: verituity.comSupport the show