Podcasts about Afterpay

Auckland Council is trialling Afterpay at its dog pounds as owners grapple with pet costs amid the rising cost of living. After one month of the eight-month trial, 15 percent of payments at the shelters had been made through the option. Auckland Council regional animal shelter manager Nikki Cripps says the trial is still in its early stages, but it's seen positive results so far. "We have seen an increase on dogs being claimed, obviously, the trial's still early days so it's hard to say whether it's solely down to that, we've got a lot of other incentives happening at the same time." LISTEN ABOVESee omnystudio.com/listener for privacy information.

Vivian dives into the truth about Buy Now, Pay Later services and why splitting a purchase into “four easy payments” might be way more dangerous than it looks. In this episode, she breaks down how companies like Klarna, Afterpay, and Affirm exploded in popularity, why these payment plans are changing the way people shop, and how BNPL can quietly wreck your budget and credit score if you're not careful. In this episode, you'll learn: 1. What Buy Now, Pay Later services actually are, how they evolved from old-school layaway programs, and why modern BNPL combines some of the riskiest parts of both layaway and credit cards. 2. Why BNPL can encourage overspending, how multiple small payments create a false sense of affordability, and what happens to your credit score if you miss a payment. 3. Who should and definitely should not use BNPL services, plus Vivian's preferred alternatives for building credit, managing cash flow, and making purchases without borrowing against your future income. Follow the podcast on Instagram and TikTok! Got a financial question you want answered in a future episode? Email us at podcast@yourrichbff.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

This week on the Wedne For our weekly catchup w/ the Green Party, Host Manny spoke with MP Ricardo Menéndez March about the changes to accommodation supplement eligibility, NZ First's proposal to buy BNZ, and the power of minor parties. He then spoke to Emeritus Professor of Economics and former director of the Energy Centre, Basil Sharp, about the recent OECD report's findings on Aotearoa's energy policy. Producer Theo spoke to Jake Lilley, the senior policy advisor for FinCap, on Afterpay's recently publicised late fees revenue, and the issues of buy now pay later lending services. Finally, News teamer Liam spoke to Professor Warwick Bagg, Dean of the Faculty of Medical Health Sciences at the University of Auckland, about the recently announced changes to undergraduate health programmes and what this will mean for students.   

Last week, figures published by RNZ showed that Afterpay made close to $20m in late fees in Aotearoa New Zealand, in the year to December 2025. This revenue is an increase on their 2024 earnings, and comes after legislation was introduced to bring Buy Now Pay Later lending services—such as Afterpay—under similar regulation to other lenders. Prior to September of 2024, buy now pay later lenders were exempted from the Credit Contracts and Consumer Finance Act that governs other lenders. This is because, unlike other lenders such as credit card companies, buy now pay later schemes do not charge interest or any other fees—so long as the debts are repaid on time—meaning they did not meet the definition of a ‘consumer credit contract'. After September of 2024, however, they came under the act, with some exemptions, such as that they don't have to carry out the same checks as other lenders to see if a borrower can actually afford a loan. A later amendment exempted them from the prohibition on charging unreasonable fees and also exempted them from being required to ensure default fees do no more than reasonably compensate the provider for their costs. Earlier this year, Consumer New Zealand and FinCap (with support from Victoria University and funding from the Borrin Foundation) published the second stage of their report examining Buy Now Pay Later schemes in Aotearoa New Zealand, before and after these regulatory changes. So, to discuss the recently reported Afterpay late fee revenues within the wider context of what that report found, producer Theo spoke to the senior policy advisor at FinCap, Jake Lilley.

The 2026 Met Gala delivered chaos: Kendall, Kylie, Hailey Bieber and Kim K were all apparently doing a nip slip and we watched the whole thing unfold on the big screen. Bruce Isaacs stopped by with his Watcha Watching picks and Apex is at the top of the list right now. Listeners called in with their best life hacks including dressing the kids in tomorrow's clothes before bed, buying everything on The Iconic on Afterpay and returning what you don't like, and pouring sand on the yellow line at the beach. Today's Glossys revealed Stevie Nicks did a duet with Sabrina Carpenter which is the crossover nobody saw coming. We debated whether kids actually have to share their things with strangers at the park, a mum influencer said absolutely not, and an eight year old named Jasmine called in to say she shares everything except her sandwich. And scientists have found that men who gift flowers don't go bald, which is either very convenient or a conspiracy by the floral industry.See omnystudio.com/listener for privacy information.

Listeners call in with their best life hacks: dress the kids in tomorrow's clothes before bed, buy everything from The Iconic on Afterpay, try it all on at home and return what you don't like without spending a cent, pour sand on the yellow line at the beach so the parking inspector can't see it, and take exhausted kids to the movies so you can sleep while they watch. Also: sardines are apparently the new skincare trend replacing salmon sperm facials, which is an upgrade. And Ricki says vampire in a way that is completely normal and we will not be relitigating this.See omnystudio.com/listener for privacy information.

Nobody taught us how money actually works — not school, not our parents, not the Pythagorean theorem. In this episode, Daffnee and Torri get honest about the financial mistakes they made, the rock bottoms that finally forced them to pay attention, and why so many millennials are still figuring it out in real time. From Klarna and Afterpay to credit card debt in college to the quiet danger of never looking at your bank account, this is the money conversation someone should have had with us a long time ago. Recommended LINKS: Better with Daffnee podcast homepage: https://www.daffneecohen.com/podcast/ Connect on Instagram: @Daffnee   Learn more at and get tons of freebies at daffneecohen.com

It's Sunday afternoon. Your kids can't walk past each other without it turning into something. Every interaction is a battle. And somewhere in the middle of it, you're thinking — when they grow up, are they ever going to be friends? If that's your house, stay with us. Sharon is joined by Jacquie Ward — Registered Psychologist and mum of three, including a child with ADHD — to talk about one of the most common and most misunderstood challenges in ADHD family life. Why sibling conflict is more intense in your home, and what to actually do about it.

An airhacks.fm conversation with Manik Surtani (@maniksurtani) about: programming on the BBC Micro with Basic and writing a Trojan horse, GW BASIC and Turbo Pascal on PC, Space Invaders-style games, C++ neural network simulating bat learning behavior at university, PHP e-commerce startup Silk Road Software competing with Intershop in the late 1990s, multi-tenant web shops for UK customers, the dot-com crash and startup failure, first Java job building Virgin Atlantic online check-in and airport kiosks on WebLogic and Oracle, demonstrating a JBoss and MySQL and Linux open source stack to the Virgin Atlantic CTO, contributing to JGroups at the Financial Times and meeting Bela Ban, JBoss Cache tree structure limitations and concurrency issues, rewriting JBoss Cache into Infinispan as a HashMap-based distributed cache, removing reflection overhead and pluggable serialization with Protocol Buffers support, the Hot Rod client-server protocol, joining Square via Bob Lee to migrate a Ruby on Rails monolith to Java microservices for Starbucks payments, multi-DC high availability architecture with red-green deployments, shutting down the Rails monolith with zero downtime using double writes and gradual traffic migration, Block as a polyglot environment with Java and Kotlin and Ruby and Go and python, the Head of Open Source role at Block and establishing an Open Source Programs Office, inner sourcing practices, co-designing gRPC with Google, building and open-sourcing Goose as a coding agent predating Claude Code and Codex, co-designing MCP with Anthropic, founding the Agentic AI Foundation with Anthropic and OpenAI and AWS and Google and Microsoft and Cloudflare and Bloomberg, Block Open Source projects including OkHttp and OkIO and Retrofit, LLMs generating better code with type-safe compiled languages like Java, grounding LLMs against Jakarta EE APIs to reduce hallucinations, Block business units including Square, Cash App, Afterpay and Tidal Manik Surtani on twitter: @maniksurtani

The credit system in the US was built on a fundamental assumption: that past borrowing behavior predicts future risk. That assumption has left roughly 100 million Americans essentially invisible to lenders — no score, thin file, or a history that doesn't reflect who they actually are financially today. The result is a system that compounds exclusion, requiring debt to unlock debt, and pricing risk so conservatively for anyone outside the norm that the cost of capital itself becomes a barrier. Juan Hernandez has spent the last decade at Block building lending products for exactly those customers. As head of credit and underwriting, he leads the teams behind Cash App Borrow, Square Loans, and Afterpay — three distinct products serving consumers and small businesses that traditional underwriting models consistently misread or ignore. Block recently crossed $200 billion in credit extended to customers globally. The engine behind that number is a data advantage. By underwriting from first-party signals native to the Cash App and Square ecosystems rather than relying on sparse bureau data, Block has built models that are both more accurate and more inclusive. Hernandez sat down with Tearsheet to talk about how they built a credit operation at that scale, what it takes to serve the underserved responsibly, and where the product suite is heading next.

Every week in my support group, parents share the same quiet ache — they wish they had people in their lives who actually got them. They feel lonely. And they're often so busy supporting their child's social struggles that their own go unspoken. This episode is for you. The parent. The adult. I am joined by Caroline Maguire (M.Ed, ACCG, PCC)— ADHD coach, social emotional learning expert, and author of Friendship Skills for Neurodivergent Adults — for one of the most honest and relieving conversations the ADHD Families Podcast has had. ✨ About the Guest: Caroline Maguire (M.Ed, ACCG, PCC) is an ADHD coach, social emotional learning expert, author, and speaker who has spent over a decade researching how neurodivergent adults experience friendship and belonging. Her book Friendship Skills for Neurodivergent Adults is the first written by a neurodivergent person, for a neurodivergent audience — practical, research-backed, and deeply human. She is also the host of the new podcast Your ADHD Social Playbook and has a TEDx Talk available on YouTube.

Paying to have a sandwich delivered to your door or even replacing a broken appliance is as easy as clicking an app and worrying about the bill later. Apps like Klarna and Afterpay allow consumers to pay installments for goods they can have in hand right away. A new report by Lending Tree finds 4 in 10 Americans now use pay later loans for groceries, an increase from the previous year fueled partly in a rise in prices. Financial literacy experts warn of the potential for consumers to quickly lose control of spending with such apps, but even for consumers using conventional methods, keeping on top of increasing costs for food and gas means more disciplined spending, at least in the short term. We'll go over ideas for keeping a lid on personal finances. We’ll also hear about the uncertain future of a federal Native financial grant and loan program that is slated for elimination with President Donald Trump’s 2027 budget proposal. The $28 million dollar program aids Native communities with homeownership, credit building, and entrepreneurship, but the administration says it’s promoting, “cultural Marxism“. GUESTS Chantay Moore (Diné), certified financial educator Pete Upton (Ponca), CEO and chairperson of the Native CDFI Network and the executive director of the Native360 Loan Fund Break 1 Music: C.R.E.A.M. [Instrumental] (song) Wu-Tang Clan (artist) Enter the Wu-Tang: 36 Chambers [Instrumentals] (album) Break 2 Music: Further From the Country (song) William Prince (artist) Further From the Country (album)

Paying to have a sandwich delivered to your door or even replacing a broken appliance is as easy as clicking an app and worrying about the bill later. Apps like Klarna and Afterpay allow consumers to pay installments for goods they can have in hand right away. A new report by Lending Tree finds 4 in 10 Americans now use pay later loans for groceries, an increase from the previous year fueled partly in a rise in prices. Financial literacy experts warn of the potential for consumers to quickly lose control of spending with such apps, but even for consumers using conventional methods, keeping on top of increasing costs for food and gas means more disciplined spending, at least in the short term. We'll go over ideas for keeping a lid on personal finances. We’ll also hear about the uncertain future of a federal Native financial grant and loan program that is slated for elimination with President Donald Trump’s 2027 budget proposal. The $28 million program aids Native communities with homeownership, credit building, and entrepreneurship, but the administration says it is promoting “cultural Marxism“. GUESTS Chantay Moore (Diné), certified financial educator Pete Upton (Ponca), CEO and chairperson of the Native CDFI Network and the executive director of the Native360 Loan Fund Billboard Music: Money (song) Pink Floyd (artist) The Dark Side of the Moon (album) Break 1 Music: C.R.E.A.M. [Instrumental] (song) Wu-Tang Clan (artist) Enter the Wu-Tang: 36 Chambers [Instrumentals] (album) Break 2 Music: Further From the Country (song) William Prince (artist) Further From the Country (album)

In the small, predominantly Maori town of Kaikohe, residents struggling with high living costs are using Afterpay to buy everday things like gas. The buy now pay later service lets you purchase goods and services at a quarter of the cost, then pay off the total in three fortnightly installments. For some, it's means being able to get kai on the table that week, though it's not without its downsides. Teuila Fuatai has more.

Most scams leave a digital trail. A fake email, a spoofed number, a fraudulent website. You can trace them, report them, sometimes even reverse them. But what happens when the scam has no digital trail at all, because it isn't happening on a screen? What happens when the con is standing right in front of you, making you laugh, meeting your friends, and planning a future with you?  My guest today is Tracy Hall. She's an author, keynote speaker, and senior marketing executive with over 25 years at some of the world's most recognizable tech companies including eBay, Virgin, GoDaddy, and Afterpay. She is sharp, successful, and by every measure, exactly the kind of person you'd assume would see it coming. She didn't. And neither would you.  In 2017, Tracy woke up to a Crime Stoppers video of an unidentified man being arrested outside a Sydney apartment. That man was her boyfriend of 18 months. Except he wasn't who she thought he was. The man she knew as Max Tevita a Bondi surfer, a finance executive, the person she was building a life with was actually Hamish McLaren, Australia's most infamous conman, a man who had been running long game cons for thirty years across multiple countries, stealing somewhere between eighty and a hundred million dollars from victims around the world.  Tracy was his last victim before his arrest. He had stolen her entire life savings of $317,000 and far more than that. This is a story about what happens when the scam isn't a phishing email. It's a relationship. And it will change the way you think about trust, manipulation, and what any of us are actually capable of missing. Show Notes: [1:03] With 25 years as a senior marketing executive behind her, Tracy shares how a year after separating from her husband she began online dating, where she met a man calling himself Max Tevita. [3:25] Presenting himself as a Bondi surfer and chief investment officer, Max spent 18 months slowly and methodically guiding Tracy to invest her entire life savings with him. [5:55] A crime stoppers video changed everything. The man Tracy knew as her boyfriend was actually Hamish McLaren, a professional conman who had been defrauding victims globally for 30 years and stealing an estimated $80 to $100 million. [7:36] A masterful shapeshifter, McLaren adjusted his persona in real time based on Tracy's reactions, including quietly getting rid of his five cars after she called him out on it. [9:54] Tracy breaks down the psychological mechanics of the con, including similarity bias, mirroring, and how McLaren constructed a character she was essentially telling him she wanted. [11:05] Through elaborate "movie sets and scenes," McLaren built layers of authority and confirmation bias over 18 months, making investing her life savings with him feel completely logical. [14:21] Some moments only made sense in hindsight, including a childhood friend accidentally calling McLaren by his nickname "Ham Bone" and his instant, convincing cover story on the spot. [18:22] Humans default to truth, and Tracy explains how that biological wiring makes us uniquely vulnerable to manipulation, especially around emotionally charged stories. [19:29] Every victim got their own version of McLaren barrister, triathlete, business strategist as Tracy describes meeting others who had each been conned by an entirely different character. [22:53] Learning to trust other people wasn't the hard part. Tracy reflects on why rebuilding faith in her own judgment was far more difficult, and how shame dominated the aftermath. [25:21] Through professional help and a conscious daily decision not to let McLaren turn her into a cynical person, Tracy describes how she slowly rebuilt both her finances and her sense of self. [27:05] Understanding the psychology behind scams, cognitive biases, invisible contracts of trust, emotional exploitation is the best defense we have, and Tracy breaks down exactly how it works. [31:33] The medium may be different, but the tactics aren't — Tracy draws striking parallels between her in-person experience and digital romance baiting scams, showing how the emotional manipulation is nearly identical. [34:00] There is no demographic, age group, or intelligence level that is immune. Tracy makes the case that scammers hunt for vulnerability, and at the right moment, we are all soft targets. [36:12] By subtly discouraging Tracy from socializing with friends, McLaren was limiting outside scrutiny and Tracy explains why getting a new partner in front of your personal network as quickly as possible is one of the most important protective steps you can take. [40:24] No digital footprint is a major red flag. Tracy outlines key warning signs to watch for and recommends reverse image searches as a basic but powerful verification step when meeting someone new. [42:08] Every single time Tracy speaks publicly, someone approaches her afterwards with a story they have never told anyone a reminder that silence is exactly what these criminals depend on to keep operating. [43:45] Now fully dedicated to education and awareness, Tracy introduces her memoir The Last Victim and explains how she has channeled her experience into a mission to help others recognize and recover from fraud. Thanks for joining us on Easy Prey. Be sure to subscribe to our podcast on iTunes and leave a nice review.  Links and Resources: Podcast Web Page Facebook Page whatismyipaddress.com Easy Prey on Instagram Easy Prey on Twitter Easy Prey on LinkedIn Easy Prey on YouTube Easy Prey on Pinterest Tracy Hall The Last Victim Who the Hell is Hamish? Podcast King Con: The Life and Crimes of Hamish McLaren

This is a replacement/re-upload for the 26th March Rot episode which got taken down from Spotify only. JOIN OUR PATREON FOR HEAPS OF BONUS STUFF⁠⁠⁠⁠⁠⁠ ROT: We try drink beers with TENS machines strapped to our arms. Schemes: Make heaps of $$$ with an Afterpay hack. Joke of the year at Josh's social basketball game. Harry's Big House: The Hog Cranker strikes again. The mayor who doesn't mind a line. Harry spotted the greatest custom T shirt of all time. IF YOU SUBSCRIBE TO PATREON Apple adds $3 USD when buying through the Patreon app. So please if you do want to sign up buy on your browser OR on your desktop computer/laptop. That's $3 USD straight to Apple for nothing. It should be $5 USD//8.50 AUD at checkout. Apple and IOS are complete dogs. Feel free to cancel and restart if they got you already. ⁠⁠⁠⁠⁠GATHER ROUND REVERSE RAFFLE TICKETS HERE⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠PLANE & BEER HATS HERE⁠⁠⁠⁠⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

JOIN OUR PATREON FOR HEAPS OF BONUS STUFF⁠⁠⁠⁠⁠ ROT: We try drink beers with TENS machines strapped to our arms. Schemes: Make heaps of $$$ with an Afterpay hack. Joke of the year at Josh's social basketball game. Harry's Big House: The Hog Cranker strikes again. The mayor who doesn't mind a line. Harry spotted the greatest custom T shirt of all time. IF YOU SUBSCRIBE TO PATREON Apple adds $3 USD when buying through the Patreon app. So please if you do want to sign up buy on your browser OR on your desktop computer/laptop. That's $3 USD straight to Apple for nothing. It should be $5 USD//8.50 AUD at checkout. Apple and IOS are complete dogs. Feel free to cancel and restart if they got you already. ⁠⁠⁠⁠GATHER ROUND REVERSE RAFFLE TICKETS HERE⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠PLANE & BEER HATS HERE⁠⁠⁠⁠⁠⁠⁠⁠⁠

Rich women do not think about money the same way broke women do. And the difference is not how much money is in your bank account. It is how you think about the money you have right now. In this episode of The WAG Diaries, Victoria breaks down the mindset shifts and daily habits that separate women who build wealth from women who stay stuck in financial scarcity. This conversation is not about pretending to be rich or spending money to look successful. It is about making strategic decisions with the money you already have and building habits that create long term wealth. Victoria walks through real life scenarios that reveal the difference between rich thinking and broke thinking, including how you handle extra money, how you approach spending, how you talk about money with friends, and how you respond to opportunities to increase your income. She also breaks down the psychological traps behind buy now pay later platforms like Klarna and Afterpay and explains how these systems keep women stuck in cycles of spending instead of building wealth. This episode is packed with practical tools you can start using immediately to shift your money mindset and build financial momentum. In this episode we cover: • The core mindset differences between rich thinking and broke thinking • How daily decisions train your brain for wealth or scarcity • Why buy now pay later services keep people financially stuck • The 7 habits rich women practice daily to build wealth • The decision filter to use before making purchases • How language shapes your relationship with money • A weekly wealth check in routine • A 7-day challenge to reset your money mindset If you are ready to stop operating from scarcity and start building wealth intentionally, this episode will give you the framework to begin today. Share this episode with a woman who is ready to think bigger about money and start building the life she deserves. New episodes of The WAG Diaries drop every Sunday. Wealth. Abundance. Glow. CONNECT: Instagram (Personal): @byvictorianicole Instagram (Podcast): @thewagdiariespodcast TikTok: @byvictorianicole Linktree: linktr.ee/byvictorianicole

Let's talk about the week you're probably having… Petrol prices have hit $2 a litre – and heading higher – thanks to the US-Israel strikes on Iran disrupting global oil supply. Cost-of-living anxiety is back with a vengeance. And Afterpay Day officially kicks off on the 19th, though half the brands on your feed have already launched early. Your sales data is probably already softening as consumers sit tight and wait for the deals. So the question on every brand founder's lips right now: do I discount? The honest answer isn't yes or no. It's it depends entirely on how you do it. RM Williams runs percentage-off promotions occasionally. Their brand is completely intact. Adore Beauty discounted frequently after their ASX float and watched margins fall to almost nothing. David Jones once had a tuxedo-wearing pianist on a Steinway in their ground floor – and made a deliberate decision to never, ever call their promotions a "Sale." Same tool. Wildly different outcomes. In this week's episode of The Brand Marketing Show, I pull the whole thing apart – the five conditions under which a straight discount is fine for a premium brand, why you lose your best customers to confusion not price, and three ways to play Afterpay Day that protect your positioning while still capturing the revenue opportunity. This one's worth a listen before next Wednesday. And if you'd rather just talk it through for your specific brand before Afterpay Day – margins, offer mechanics, positioning – that's what a Growth Strategy Session is for. BOOK HERE   Catherine x   Links mentioned in this episode: If you'd like help to achieve your goals, I invite you to have a chat to find out how we can make that happen together HERE By booking a Free Growth Strategy https://productpreneurmarketing.com/lets-talk   Other Ways To Enjoy This Episode: Listen on Apple Podcasts Listen on Spotify Youtube  

People will have to pay with cash after a Trade Me sale if they want to avoid a fee. The company's removing its 7.9 percent 'success fee' for casual selling - keeping only a small service fee. Along with Afterpay and cash, Trade Me uses its own payment system, Ping - taking just over two percent from every sale. Trade Me's Head of Marketplace Lisa Stewart says bank transfers will now be against their policy. "We've got teams of folks who scan the site to check that nothing dodgy is going on, if they catch that that kind of behaviour's happening, we'd look to educate our customers." LISTEN ABOVESee omnystudio.com/listener for privacy information.

Welcome back to Fintech Recap. I'm Alex Johnson, joined as always by my partner in recapping, Jason Mikula. We kick things off with Block's move into credit scoring. Block stitched together data across Cash App and Afterpay into a proprietary score it's now surfacing to consumers and selling to other lenders, claiming auto lenders could approve 30% more borrowers at identical loss rates using the Cash App score. We dig into adverse selection when consumers choose what to share, where this fits in lender workflows, and the FCRA wrinkle that “transactions and experiences” data can fall outside the definition of a consumer report… Then, we dive into stablecoins. Jason walks through the rebirth of “no KYC” crypto-funded spending cards, including testing several of these services himself (tune in to discover the pattern!). The core mechanic Jason flags is a corporate card loophole: KYB the company, then issue incremental “employee” cards with no legal or regulatory requirement to verify the person behind each card. From there, we zoom out to Bridge, Stripe's stablecoin infrastructure subsidiary. Bridge got conditional OCC approval to form a national trust bank and moved jurisdictions (which include Russia, Belarus, Gaza, South Sudan, and Venezuela) from “controlled” to “prohibited,” while still defining “prohibited” with an “extraordinary situations” carveout. Plus, in our Can't Let It Go corner: prediction markets.  CFTC Chair Mike Sig told the Senate during his nomination hearing that he'd defer to the courts on sports betting and prediction markets. But early this year, he reversed course, asserting the CFTC's exclusive jurisdiction and filing amicus briefs against state prohibitions aimed at sports betting. Kalshi and Polymarket loved it, and I'm sure that's unrelated to the fact that Sig's boss's son is an advisor to both. We close with Substack's new partnership with Polymarket to embed prediction markets into journalism, set against a real-world example of the incentive problem: Israeli authorities investigated and arrested military reservists and a civilian for allegedly using classified information to place bets on Polymarket. This episode is brought to you by Plaid.  Most lenders see the value of cash flow data. The hard part is getting started—and knowing what to do with it once you have it. Plaid makes it easy to access real-time cash flow and behavioral insights in seconds, through a familiar experience borrowers already trust. No heavy lift. No added friction. Learn more at www.plaid.com/ftt Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/  And for more exclusive insider content, don't forget to check out my YouTube page. Follow Jason: Newsletter: https://fintechbusinessweekly.substack.com/ LinkedIn: https://www.linkedin.com/in/jasonmikula/   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson

Block Just Cut 4,000 Jobs. WiseTech Cut 2,000. Here's What To Do Next.Last week was a wake-up call for anyone working in fintech and tech in Australia.Block — the company behind Square, Cash App, and Afterpay — cut more than 4,000 employees. That's nearly half the company, down from over 10,000 to just under 6,000. The stock surged 24% on the same day. Afterpay is still headquartered in Sydney, and Australian staff have been directly affected.The same week, WiseTech Global announced 2,000 job cuts over two years — 29% of their workforce. CBA quietly cut 300 roles, mostly in technology. All three cited AI as the driver.In this video, Dexter Cousins breaks down what actually happened and gives you three practical steps to take today if you've been affected or think you might be next.Chapters00:00 Navigating Job Loss in FinTech01:39 How Your Experience Is In Greater Demand Than Ever03:02 Avoid Three BIG Mistakes03:49 Career Balance Sheet05:03 Identifying Opportunities05:45 GTM Strategy — Quick Wins07:09 Building Momentum and NetworkingCareer Balance Sheet - https://drive.google.com/file/d/1hLJJQl2B_h1u00G46sNxlhGNRXXZlCv6/viewPart 1 - https://tieronepeople.com/2025/11/14/find-fintech-jobs/Part 2 -https://tieronepeople.com/2026/01/12/professional-networks-job-hunting/Part 3 - https://tieronepeople.com/2026/02/16/professional-brand-first-principles/Send a textContact: info@tieronepeople.comConnect on with Dexter Cousins on Linkedin Hire Exceptional Fintech Talent Subscribe on LinkedIn

Former US Secretary of State Hillary Clinton reportedly told a House Oversight Committee investigating the crimes of convicted paedophile Jeffrey Epstein her testimony wasn’t about “feelings”. Plus, Ley formally departs parliament and Afterpay swings the axe. See omnystudio.com/listener for privacy information.

Black Friday rompió récord… pero a crédito. ¿La economía está bien o estamos en “modo parche”? Hoy me siento con Carlos Feliciano (CAF Investments) para aterrizar lo que está pasando: empleo, consumo, vivienda en PR, BNPL (Klarna/Affirm), 401K, IA (NVIDIA vs Google/TPU), Apple, data centers, China/EE. UU., tasas de interés y qué mirar rumbo a 2026.En este episodio:¿Estamos en recesión o por qué “se siente” así?Consumo vs. financiamiento: Black Friday y el boom de “compra ahora, paga después”Vivienda en PR: incentivos vs. cero inventario, tasas y pagos imposibles401K sin mito: por qué NO es scam, macheo del patrono y alternativas si eres por cuenta propiaIA y chips: NVIDIA vs Google (TPU), Apple, data centers y energíaStreaming y fusiones: Netflix/Warner/Paramount y regulaciónTasas, quantitative easing y señales macro que vienenVida real en los 30: metas, “Matrix”, balance y el concepto japonés IkigaiQué esperan los analistas para 2026Consulta gratis con CAF Investments: separa tu cita aquí y escribe “Café en Mano” en la nota ➜ https://calendly.com/cafinvestments/15minSigue a Carlos: IG/TikTok/Facebook: @cafinvestmentsMi podcast completo y clips: suscríbete y comenta CONSULTA si quieres el link por DM. Chinchorreo 8 años de Café en Mano – 28 de diciembre, 10 AMRuta, detalles y RSVP ➜ [enlace]

Episode #266 with Taylor and Adam. Come send it with the boys, as we discuss - Giving it up, Afterpay tick, Tattoos, Bad haircuts, Bondi, The Media, Rob Reiner, Nathan Lyon, The Bondi Beach Stomper, Australian Heroes, and much more... Follow us on Instagram & TikTok: https://www.instagram.com/bigsendpodcast https://www.tiktok.com/@bigsendpodcast Patreon BoSodes(Bonus Episodes): https://patreon.com/BigSendPodcast Please forward all complaints to: bigsendpodcast@gmail.com

THE BEST BITS IN A SILLIER PACKAGE (from Thursday's Mike Hosking Breakfast) And You Thought Our Elections Were Free and Fair/Fast-Tracking and Kicking-Arse/That About Wraps it Up for Commissioners/What We Sort-Of Bought This Year/Mar-a-Lago FaceSee omnystudio.com/listener for privacy information.

This episode of infinite scroll is brought to you by Afterpay's Afterpaid 2025 report, an annual deep dive into Australia's shopping snapshot.Join our Patreon here!!! https://www.patreon.com/c/CentennialWorldPlease consider buying us a coffee or subscribing to a membership to help keep Centennial World's weekly podcasts going! Every single dollar goes back into this business

Today, I'm talking with Willem Avé, who's the head of product at Square. You know Square — it was started by billionaire Jack Dorsey of Twitter fame more than 15 years ago, and it got big on the back of that little magnetic reader that once plugged into the headphone jack of the iPhone and let small businesses accept credit cards. Nowadays, of course, Square is more than a credit card reader, and sadly, the headphone jack is ancient history. The company itself is now part of parent organization called Block, which is made up of a very interesting mix of financial services like Afterpay, Cash App, and, yes, the streaming music service Tidal. So Willem and I really got into where Square is headed next with AI and automation, why he's excited about crypto and Bitcoin specifically, and even what it means that the US is discontinuing the penny.  Links:  Square's public roadmap | Square Jack Dorsey is reorganizing the entirety of Block | Fortune How Block turned Square into a financial services giant | Fast Company Block to roll out bitcoin payments on Square | Square Square buys $170 million worth of bitcoin | CNBC Square, Jack Dorsey's payments company, changes its name to Block | NYT The penny dies at 232 | NYT Subscribe to The Verge to access the ad-free version of Decoder! Credits: Decoder is a production of The Verge and part of the Vox Media Podcast Network. Decoder is produced by Kate Cox and Nick Statt and edited by Ursa Wright. Our editorial director is Kevin McShane.  The Decoder music is by Breakmaster Cylinder. Learn more about your ad choices. Visit podcastchoices.com/adchoices

En el episodio 296 de Café on a Budget, Manuel y Suhailly desmontan uno de los métodos de consumo más peligrosos (y populares) del 2025: los planes Buy Now Pay Later (BNPL) —Klarna, Afterpay, Affirm, PayPal Pay in 4 y todas sus variantes.En medio del boom de compras navideñas y del récord de consumidores utilizando estos planes, te explicamos cómo realmente funcionan, por qué pueden parecer “inofensivos” y cómo es que terminan atrapando a miles de personas en ciclos de deuda interminables sin darse cuenta. Enlaces:

Today's edition is pure New York energy — equal parts drama, confusion, and “did that really just happen?” The Mets have once again treated the Yankees like their own personal lost-and-found bin, reaching in and pulling out Devin Williams like a kid grabbing the last toy on the shelf at Target. Apparently the city now has a baseball transfer portal, and the Mets are the only ones who know the password. Meanwhile, in our Honorable Mention, Americans are celebrating the holidays the old-fashioned way: by absolutely obliterating their credit limits. The numbers are so high, Santa might have to start accepting Visa, Afterpay, and maybe even Klarna just to get through the season. It turns out the only thing we're wrapping this year… is ourselves in debt.In the headlines on #TheUpdate this Tuesday, a Nor'easter is set to slam metro-area commuters with a wet wintery mix, but the evening rush's heavy rains could bring the most treacherous conditions, according to forecasters.New York City is poised to get its first Vegas-style casinos, including one next to the home stadium of baseball's New York Mets and another that could see a windfall for President Trump.And out in the American west, family members were getting ready to cut the cake at a toddler's birthday party when the gunfire started inside a banquet hall packed with relatives and friends over the weekend in California. Four people were killed. Meanwhile, even with those killings, mass shootings in the U.S have hit the lowest number recorded since 2006, according to a database maintained by The Associated Press and USA Today in partnership with Northeastern University.

"Buy now, pay later" has become a retail fixture seemingly overnight, and Cyber Monday is set to be its biggest sales day yet. But as “pay in 4” platforms offer customers freedom and flexibility, are they also opening the door to a wave of unregulated debt? In this episode: Emily Stewart, Senior Correspondent, Business Insider Episode credits: This episode was produced by Tamara Khandaker with Phillip Lanos, Spencer Cline, Farhan Rafid, Fatima Shafiq and our host, Malika Bilal. It was edited by Kylene Kiang. Our sound designer is Alex Roldan. Our video editors are Hisham Abu Salah and Mohannad al-Melhem. Alexandra Locke is The Take’s executive producer. Ney Alvarez is Al Jazeera’s head of audio. Connect with us: @AJEPodcasts on X, Instagram, Facebook, and YouTube

Send us a textRewind to 27 November 2005 to 3 December 2005

Geraldine Wharry is one of the world's leading Fashion Futurists. As a Regenerative Futures Architect, she helps partners decode emergence and implement change, whilst adopting strategies leveraging creative, systemic and environmental imperatives.Trusted by organisations ranging from Nike, Samsung, Afterpay, Christian Dior to Seymour Powell, Geraldine's blend of strategic, regenerative and creative foresight has been applied across fashion, beauty, technology, sustainability, culture, media, gaming, the arts, health, travel and industrial design. Geraldine is also a regular speaker on stages ranging from SXSW to the Adidas global headquarters. Her views on a future of fashion that stands at the crossroads of Tech, Purpose and Sustainability are regularly featured on the BBC, Vogue, The Financial Times, BoF and other international press publications. She writes about strategic futures for Dazed Beauty and in her monthly column 'Tomorrow' for Spur Magazine in Japan.Questioning established future foresight methods and innovation implementation problems, by applying regenerative futures thinking and Biomimicry, has been a running thread in Geraldine's practice and the school community hybrid she founded, Trend Atelier. She is a regular guest lecturer at leading universities in Europe.As a Fellow of the Royal Society for the Arts and a member of the United Nations' Conscious Fashion & Lifestyle network, Geraldine Wharry's mission is to inspire leaders, industries and people to enact visionary futures, for the greater good of the people and planet.Support the showThank you for listening! Follow us through our website or social media!https://www.thecolorauthority.com/podcasthttps://www.instagram.com/the_color_authority_/https://www.linkedin.com/company/78120219/admin/

(Note: A version of this episode originally ran in 2022.)Every time you shop online and make it to the checkout screen, you see those colorful pastel buttons at the bottom. Affirm. Klarna. Afterpay. Asking: Do you want to split your payment into interest-free installments? No credit check needed. Get what you want, right now. That temptation got shoppers like Amelia Schmarzo into some money trouble. Back in 2022, she maxed out her credit card after a month of buying now and paying later. She's not alone. Buy now, pay later is everywhere now. And you can finance almost anything with it. Your clothes, your furniture … even your lips. But if these companies don't charge interest, how do they make money? In short, people buy more stuff using these services and so sellers are willing to pay up. Which makes buy now, pay later, something of a threat to credit card companies. Cue the tussle for your impulse-buying clicks. Today on the show, we find out how the companies work, who's most likely to use these services and who's getting a good deal. And a warning: those little loans will soon be on your credit report. Subscribe to Planet Money+Listen free: Apple Podcasts, Spotify, the NPR app or anywhere you get podcasts.Facebook / Instagram / TikTok / Our weekly Newsletter.This episode was produced by Emma Peaslee, engineered by Josh Newell and edited by Molly Messick. Our update was reported by Vito Emanuel, produced by Willa Rubin, engineered by Gilly Moon and edited by our executive producer, Alex Goldmark.Music: Universal Music Production - "Retro Funk," "Comin' Back For More," "Reactive Emotion," and "EAT."Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Today on What the Flux: In Conversation, we’re excited to welcome Lee Hatton Lee is Block’s Financial Operations Lead,. Block being the $45 billion USD global fintech giant. It’s the company behind Cash App, Square, music platform TIDAL and of course Afterpay, She started her career in financial services roles across New Zealand, Australia, the UK, and the US before becoming CEO of UBank. From there, she led Suncorp’s Banking & Wealth arm, served on the Xero board, and joined Afterpay just before it became part of Block in 2022. In this conversation, we explored a whole range of fascinating topics including: Bitcoin’s real-world impact and Block’s role in accessibility Building an open global financial ecosystem Lessons in leadership, resilience, and priorities _ Want to learn more about Block? Check out their latest updates here Download the free app (App Store): http://bit.ly/FluxAppStore Download the free app (Google Play): http://bit.ly/FluxappGooglePlay Daily newsletter: https://bit.ly/fluxnewsletter Flux on Instagram: http://bit.ly/fluxinsta Flux on TikTok: https://www.tiktok.com/@flux.finance —- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes.See omnystudio.com/listener for privacy information.

Today on What the Flux: In Conversation, we’re excited to welcome Lee Hatton Lee is Block’s Financial Operations Lead,. Block being the $45 billion USD global fintech giant. It’s the company behind Cash App, Square, music platform TIDAL and of course Afterpay, She started her career in financial services roles across New Zealand, Australia, the UK, and the US before becoming CEO of UBank. From there, she led Suncorp’s Banking & Wealth arm, served on the Xero board, and joined Afterpay just before it became part of Block in 2022. In this conversation, we explored a whole range of fascinating topics including: How growing up in small-town New Zealand shaped her drive to lead The bold career moves that built her global perspective What she’s learned leading in banking vs fintech _ Download the free app (App Store): http://bit.ly/FluxAppStore Download the free app (Google Play): http://bit.ly/FluxappGooglePlay Daily newsletter: https://bit.ly/fluxnewsletter Flux on Instagram: http://bit.ly/fluxinsta Flux on TikTok: https://www.tiktok.com/@flux.finance —- The content in this podcast reflects the views and opinions of the hosts, and is intended for personal and not commercial use. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided or distributed in these episodes.See omnystudio.com/listener for privacy information.

The BNPL world just changed — and if you're a merchant, you're not as safe from it as you think.The CFPB's new Buy Now, Pay Later regulations are aimed at BNPL providers, but the fallout will hit sellers next. Expect higher fees, tighter approvals, and more limits on who can use these services — especially if your store falls under “high-risk”.And it doesn't stop there. These changes will also affect how customers see and use BNPL. As fees rise and approvals drop, BNPL could become a less appealing checkout option — hurting conversions and your overall payment flexibility.In this episode, payments expert Maria Sparagis breaks down what's happening behind the scenes, how these new BNPL rules will impact merchants directly, and what you can do right now to stay ahead — from reviewing your BNPL performance to adding better alternative payment methods before costs skyrocket.Because when BNPL fees jump or customers start getting declined… it's your sales that take the hit.✅ You'll learn:What the CFPB's BNPL regulations actually changeWhy merchants will feel the ripple effects firstHow rising BNPL fees can erode profit marginsWhy high-risk stores may lose access entirelySmart next steps for merchants in 2025If you're offering Klarna, Afterpay, or Affirm, this is your BNPL wake-up call.As BNPL rules tighten, flexible payment options will matter more than ever.DirectPayNet helps merchants diversify with ACH, international, and high-risk payment solutions built for growth. Get in touch today!

本期节目，我们邀请到了 Jarsy 的创始人秦汉。他的职业生涯几乎是硅谷黄金十年的缩影：2010 年加入只有 500 名工程师的 Facebook，见证了扎克伯格亲自写代码的时代；随后，他跳槽到仅有百名工程师的 Uber，感受了 Travis Kalanick 如何用愿景和超强执行力改变真实世界；之后又作为创始工程师，帮助澳大利亚金融科技公司 Afterpay 在美国从零到一，并最终被高价收购。 2023 年，他创立了 Jarsy (https://sourl.co/ygsdZE)，致力于用区块链技术降低一级市场投资的门槛。节目中，他与我们分享了自己从 0 到 1 的创业心路，如何看待区块链的应用场景，以及他如何看待 AI Native 的创业机会与工作方式。无论你是身处大厂的职场人，还是正在路上的创业者，希望这期节目能够为你带来关于个人成长、公司文化和把握技术浪潮的一些启发。 如果有感兴趣的小伙伴想要注册 Jarsy 账号，欢迎点击链接 (https://sourl.co/mWmb8V) Untitled https://media24.fireside.fm/file/fireside-uploads-2024/images/8/8dd8a56f-9636-415a-8c00-f9ca6778e511/jrxU9B6u.JPEG 本期人物 秦汉，Jarsy (https://sourl.co/ygsdZE)创始人兼 CEO 硅谷徐老师，AI 高管、连续创业者、斯坦福客座讲师，小红书和微信视频号：硅谷徐老师 ｜公众号：硅谷云｜ YouTube： Byte into Future 主要话题 [02:00] 回到 2010 年的 Facebook：硅谷的「996」，工程师文化和写代码的小扎 [06:52] Facebook 「工程师驱动」文化与「A/B 测试哲学」 避免工程师自嗨 [10:50] Facebook 的超强执行力：「快」和「MVP」 (最小可行性产品) 理念如何深入人心。 [16:20] 为何离开Facebook，选择加入风险更高、更早期的 Uber？ [23:22] 为什么 Uber 的员工创业成功率更高？因为它教会大家如何用技术影响真实世界。 [26:08] 从 Uber 到 Afterpay：从澳大利亚到美国市场，年轻人与「先买后付」模式的金融创新 [31:15] 三家顶级公司的共同点：所有伟大的产品都始于为「年轻人」解决问题。 [40:40] Jarsy 做什么：让普通年轻人也有机会投资 SpaceX 和 OpenAI 这样的未上市公司。 [42:04] 为什么一定要用区块链？它带来的「透明性」比「去中心化」更重要。 [51:33] 区块链的真正潜力在于「On-chain to Off-chain」，与真实世界金融服务的结合。 [01:00:06] 什么是 AI Native 的公司？AI 如何让 2-3 人的工程团队实现 10 人的效率。 [01:05:42] 给 职场人的建议：积极拥抱 AI，把自己当成 CEO 来经营你的职业生涯。 幕后制作 监制：Yaxian 后期：迪卡 运营：George 设计：饭团 商业合作 声动活泼商业化小队，点击链接直达声动商务会客厅（https://sourl.cn/9h28kj ），也可发送邮件至 business@shengfm.cn 联系我们。 加入声动活泼 声动活泼目前开放商务合作实习生、社群运营实习生和 BD 经理等职位，详情点击招聘入口详情点击招聘入口 (https://eg76rdcl6g.feishu.cn/docx/XO6bd12aGoI4j0xmAMoc4vS7nBh?from=from_copylink) 关于声动活泼 「用声音碰撞世界」，声动活泼致力于为人们提供源源不断的思考养料。 我们还有这些播客：声动早咖啡 (https://www.xiaoyuzhoufm.com/podcast/60de7c003dd577b40d5a40f3)、声东击西 (https://etw.fm/episodes)、吃喝玩乐了不起 (https://www.xiaoyuzhoufm.com/podcast/644b94c494d78eb3f7ae8640)、反潮流俱乐部 (https://www.xiaoyuzhoufm.com/podcast/5e284c37418a84a0462634a4)、泡腾 VC (https://www.xiaoyuzhoufm.com/podcast/5f445cdb9504bbdb77f092e9)、商业WHY酱 (https://www.xiaoyuzhoufm.com/podcast/61315abc73105e8f15080b8a)、跳进兔子洞 (https://therabbithole.fireside.fm/) 、不止金钱 (https://www.xiaoyuzhoufm.com/podcast/65a625966d045a7f5e0b5640) 欢迎在即刻 (https://okjk.co/Qd43ia)、微博等社交媒体上与我们互动，搜索 声动活泼 即可找到我们。 期待你给我们写邮件，邮箱地址是：ting@sheng.fm 声小音 https://files.fireside.fm/file/fireside-uploads/images/4/4931937e-0184-4c61-a658-6b03c254754d/gK0pledC.png 欢迎扫码添加声小音，在节目之外和我们保持联系。 Special Guest: 秦汉.

The wildest hocus pocus you'll see this Halloween isn't in the haunted houses, it's how Buy Now, Pay Later is leaving people trapped in debt or with ruined credit. Jen and Jill share BNPL horror stories featuring real people and truly scary consequences and how to protect yourself if you've already swiped your way into one of these spells.

Dhanji R. Prasanna is the chief technology officer at Block (formerly Square), where he's managed more than 4,000 engineers over the past two years. Under his leadership, Block has become one of the most AI-native large companies in the world. Before becoming CTO, Dhanji wrote an “AI manifesto” to CEO Jack Dorsey that sparked a company-wide transformation (and his promotion to CTO).We discuss:1. How Block's internal open-source agent, called Goose, is saving employees 8 to 10 hours weekly2. How the company measures AI productivity gains across technical and non-technical teams3. Which teams are benefiting most from AI (it's not engineering)4. The boring organizational change that boosted productivity even more than AI tools5. Why code quality has almost nothing to do with product success6. How to drive AI adoption throughout an organization (hint: leadership needs to use the tools daily)7. Lessons from building Google Wave, Google+, and other failed products—Brought to you by:Sinch—Build messaging, email, and calling into your product: https://sinch.com/lennyFigma Make—A prompt-to-code tool for making ideas real: https://www.figma.com/lenny/Persona—A global leader in digital identity verification: https://withpersona.com/lenny—Where to find Dhanji R. Prasanna:• LinkedIn: https://www.linkedin.com/in/dhanji/—Where to find Lenny:• Newsletter: https://www.lennysnewsletter.com• X: https://twitter.com/lennysan• LinkedIn: https://www.linkedin.com/in/lennyrachitsky/—In this episode, we cover:(00:00) Introduction to Dhanji(05:26) The AI manifesto: convincing Jack Dorsey(07:33) Transforming into a more AI-native company(12:05) How engineering teams work differently today(15:24) Goose: Block's open-source AI agent(20:18) Measuring AI productivity gains across teams(21:38) What Goose is and how it works(32:15) The future of AI in engineering and productivity(37:42) The importance of human taste(40:10) Building vs. buying software(44:08) How AI is changing hiring and team structure(53:45) The importance of using AI tools yourself before deploying them(55:13) How Goose helped solve a personal problem with receipts(58:01) What makes Goose unique(59:57) What Dhanji wishes he knew before becoming CTO(01:01:49) Counterintuitive lessons in product development(01:04:56) Why controlled chaos can be good for engineering teams(01:08:07) Core leadership lessons(01:13:36) Failure corner(01:15:50) Lightning round and final thoughts—Referenced:• Jack Dorsey on X: https://x.com/jack• Block: https://block.xyz/• Square: https://squareup.com/• Cash App: https://cash.app/• What is Conway's Law?: https://www.microsoft.com/en-us/microsoft-365-life-hacks/organization/what-is-conways-law#• Goose: https://github.com/block/goose• Gosling: https://github.com/block/goose-mobile• Salesforce: https://www.salesforce.com/• Snowflake: https://www.snowflake.com/• Claude: https://claude.ai/• Anthropic co-founder on quitting OpenAI, AGI predictions, $100M talent wars, 20% unemployment, and the nightmare scenarios keeping him up at night | Ben Mann: https://www.lennysnewsletter.com/p/anthropic-co-founder-benjamin-mann• OpenAI: https://openai.com/• OpenAI's CPO on how AI changes must-have skills, moats, coding, startup playbooks, more | Kevin Weil (CPO at OpenAI, ex-Instagram, Twitter): https://www.lennysnewsletter.com/p/kevin-weil-open-ai• Llama: https://www.llama.com/• Cursor: https://cursor.com/• The rise of Cursor: The $300M ARR AI tool that engineers can't stop using | Michael Truell (co-founder and CEO): https://www.lennysnewsletter.com/p/the-rise-of-cursor-michael-truell• Top Gun: https://www.imdb.com/title/tt0092099/• Lenny's vibe-coded Lovable app: https://gdoc-images-grab.lovable.app/• Afterpay: https://github.com/afterpay• Bitkey: https://bitkey.world/• Proto: https://github.com/proto-at-block• Brad Axen on LinkedIn: https://www.linkedin.com/in/bradleyaxen/• Databricks: https://www.databricks.com/• Carl Sagan's quote: https://www.goodreads.com/quotes/32952-if-you-wish-to-make-an-apple-pie-from-scratch• Google Wave: https://en.wikipedia.org/wiki/Google_Wave• Google Video: https://en.wikipedia.org/wiki/Google_Video• Secret: https://en.wikipedia.org/wiki/Secret_(app)• Alien Earth on FX: https://www.fxnetworks.com/shows/alien-earth• Slow Horses on AppleTV+: https://tv.apple.com/us/show/slow-horses/umc.cmc.2szz3fdt71tl1ulnbp8utgq5o• Fargo TV series on Prime Video: https://www.amazon.com/Fargo-Season-1/dp/B09QGRGH6M• Steam Deck OLED display: https://www.steamdeck.com/en/oled• Doc Brown: https://backtothefuture.fandom.com/wiki/Emmett_Brown—Recommended books:• The Master and Margarita: https://www.amazon.com/Master-Margarita-Mikhail-Bulgakov/dp/0802130119• Tennyson Poems: https://www.amazon.com/Tennyson-Poems-Everymans-Library-Pocket/dp/1400041872/Production and marketing by https://penname.co/. For inquiries about sponsoring the podcast, email podcast@lennyrachitsky.com.—Lenny may be an investor in the companies discussed.My biggest takeaways from this conversation: To hear more, visit www.lennysnewsletter.com

While indulging in online retail therapy, you've probably seen an option at checkout to buy now, pay later. Companies like Afterpay, Affirm, and Klarna let consumers pay in four installments for nearly anything, including clothes, concert tickets, or even a burrito. For some consumers, it's a tech-assisted layaway plan that helps when cash is tight. For others, it's a chance to splurge on otherwise unattainable goods. On social media, it's called “Klarnamaxxing” and it's getting some consumers into a world of debt. Guests: Annie Joy Williams, assistant editor covering politics and culture, The Atlantic Julie Margetta Morgan, president, The Century Foundation, an independent think that that researches public policy; former associate director of research, monitoring and regulations at the Consumer Financial Protection Bureau Amy X. Wang, story editor, New York Times Magazine Learn more about your ad choices. Visit megaphone.fm/adchoices

If we could give Jennifer Lopez one tip: not every ex needs a friendship arc. Looking at you, Ben Affleck. Some things — like red carpets and rekindled flings — are better left in the early 2000s. On today's show, Holly braces herself for this scurrilous JLo gossip. Take cover, friends. Plus, a plot twist in the Taylor Swift PR machine no one saw coming. Jessie’s been deep in internet sleuth mode and she’s ready to explain why the Swiftie outrage might actually be legit. And finally: WTF is klarnamaxxing? If you live by 'buy now, pay later', you need to hear Amelia deep dive into this. What To Listen To Next: Listen to our latest episode: Taylor Swift Debrief: A Surprising Diss Track, Travis’ Wood & The Hot Takes Listen: LITTLE TREAT: Holly & Jessie Spill The Tea On Writing A Book Listen: Why No One's Having Sex In Bed Anymore Listen: Decoding The Nicole Kidman & Keith Urban Divorce Narrative Listen: Vanessa Amorosi, Emma Watson & The Problem When Kids Earn More Than Their Parents Listen: Victoria Beckham’s Version & Jessie’s Very Big News Listen: “Tough It Out”. The Announcement That Upset Us More Than We Expected Discover more Mamamia Podcasts here including the very latest episode of Parenting Out Loud, the parenting podcast for people who don't listen to... parenting podcasts. Watch Mamamia Out Loud: Mamamia Out Loud on YouTube What to read: With two words, Jennifer Lopez just summed up what went wrong with Ben Affleck. Jennifer Lopez's first Instagram after splitting from Ben Affleck says everything. Nicole Kidman’s new breakup bangs are telling a much bigger story. HOLLY WAINWRIGHT: The details that make Nicole and Keith's split kind of about us. The moment the tide turned for Jennifer Lopez. The Life of a Showgirl leaves no doubt there will never be another Taylor Swift. All the Life Of A Showgirl Easter Eggs in one place. A brutally honest review of Taylor Swift's new movie. THE END BITS: Check out our merch at MamamiaOutLoud.com Mamamia studios are styled with furniture from Fenton and Fenton GET IN TOUCH: Feedback? We’re listening. Send us an email at outloud@mamamia.com.au Share your story, feedback, or dilemma! Send us a voice message. Join our Facebook group Mamamia Outlouders to talk about the show. Follow us on Instagram @mamamiaoutloud and on Tiktok @mamamiaoutloud Mamamia acknowledges the Traditional Owners of the Land we have recorded this podcast on, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present, and extend that respect to all Aboriginal and Torres Strait Islander cultures. Become a Mamamia subscriber: https://www.mamamia.com.au/subscribeSee omnystudio.com/listener for privacy information.

Afterpay is once again letting customers buy fuel and groceries with no payment upfront. Financial inclusion consultant Natalie Vincent spoke to Ingrid Hipkiss.

Pop your card into the EIC-ATM and get ready to withdraw some content- because this week we're talking all about the rise of "cute debt" and whether buy-now-pay-later schemes are really targeting the girls.In a recent piece for The Atlantic, Annie Joy Williams explores how female shoppers are being heavily marketed to by the likes of Klarna and Afterpay, who are drawing on fun, girly aesthetics to sell their services and make debt seem fun, silly and generally NBD! We share our own experiences and hear from you at home about why so many of us are falling victim to a splash of pink, a celeb endorsement and a cute Y2K moment.Thank you for all of your messages this week! If you're really in the mood to spoil us, how about a five star rating wherever you're listening right now? Thank you so much! Lots of love,R, O, B xoThe Atlantic - The Rise of 'Cute Debt'The Guardian - Where did it all go wrong for Wonga? Emma Budget App Hosted on Acast. See acast.com/privacy for more information.

On the latest episode of After Earnings, Ann Berry sits down with Amrita Ahuja, the CFO & COO of Block, to break down the company's recent performance and how it's leveraging its multiple brands to drive long-term growth. The conversation explores Block's capital allocation strategy, AI-powered underwriting and how each of its businesses from Cash App and Square to Afterpay aims to expand financial access. 00:00 – Amrita Ahuja joins 00:15 – What Ties Block's Brands Together? 03:06 – How Block Allocates Capital Across Business Units 05:23 – Is Rule of 40 Outdated? 06:34 – How Cash App Grows Market Share 09:14 – Competing with PayPal and Venmo 10:32 – Why Teens Are the Future of Cash App 12:05 – How Cash App Customers Graduate Across Products 14:02 – Integrating Afterpay Into Cash App 15:24 – AI, BNPL, and Personalized Lending 18:22 – Will Block Offer Mortgages or Auto Loans? 19:56 – Block's M&A Strategy 21:08 – Bitcoin Mining with Proto Rig After Earnings is brought to you by Stakeholder Labs and Morning Brew. For more go to https://www.afterearnings.com Follow Us X: https://twitter.com/AfterEarnings TikTok: https://www.tiktok.com/@AfterEarnings Instagram: https://www.instagram.com/afterearnings_/ Reach Out Email: afterearnings@morningbrew.com $XYZ Learn more about your ad choices. Visit megaphone.fm/adchoices

Affirm (AFRM) traded as low as $30 back in April. The digital buy now, pay later company since rebounded near its 52-week high. LikeFolio's Landon Swan points to his firm's data showing how Affirm is capitalizing on its market share while taking from competition like Afterpay and Klarna.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Ever wondered why “pay in four” buttons feel irresistible? They're designed to exploit ADHD brain wiring—leveraging executive function deficits, dopamine manipulation, working memory overload, and future blindness.Services like Klarna, Afterpay, and Affirm thrive on “phantom debt,” with the average person juggling 9+ payment plans and paying hefty merchant fees and penalties. Millennials and Gen Z—especially those with lower credit scores—are prime targets.I share three harm-reduction strategies, including limiting yourself to 1–2 payment plans and finding non-spending dopamine boosts. That's why I created the UnBudget—a free ADHD-friendly money system that works with your brain, not against it. Link in description.Know what you can really spend, in under 1 hour, no overwhelm. Grab free access here → https://unbudgetlite.shamelessmoney.com/Check out ShamelessMoney.com to work with me directly!Head over to our YouTube channel for the full experience on future episodes.Learn more about ADHD-friendly financial coachingFollow me on YouTubeSubscribe to the newsletterHead over to our YouTube channel for the full experience on future episodes.Learn more about ADHD-friendly financial coaching Follow me on YouTubeSubscribe to the newsletter

Get ready for hot take roulette! In this episode, Will & Kevin spill their financial hot takes.Will challenges the common belief that buying a home is always better than renting, pointing out how high interest rates and rising costs make renting a smarter, more flexible choice, especially if you're not planning to settle long term. Kevin dives into the booming world of Buy Now, Pay Later services like Klarna and Afterpay, discussing how these easy micro-loans can help, but also lead to debt stacking if you're not careful.Comments made are not to be considered endorsements of Tri-Star Trust or its employees. All viewpoints expressed herein belong solely to the commentators, whether or not they are employees or clients, and remain uninfluenced and uncompensated by Tri-Star Trust or any of its affiliates.

Brittany keeps looking at a new couch online, and every time she goes to buy it she sees an option to "Buy Now, Pay Later," which made her wonder...should she? Here's what she found:Buy Now, Pay Later (BNPL) loans have become one of the go-to ways to get access to credit fast. Companies like Klarna, Affirm, and Afterpay make buying big purchases relatively easy by allowing people to pay in installments over time. But some Americans have taken to using this method for everyday items like groceries, and when BNPL service providers like Klarna partners with DoorDash so customers can "eat now, pay later"... it feels like a debt trap waiting to happen. And that's just scratching the surface.This... is Money Troubles.And for the past few weeks we've been looking into the ways everyday people are trying to make ends meet... and what it says about how our culture views labor, basic needs, or even our favorite pastimes.In this final episode, NPR Life Kit's Andee Tagle and author Malcolm Harris join Brittany to get into why Buy Now, Pay Later has become so popular and how 'cheap credit' may be another lifestyle subsidy for a new generation.You can hear more of Andee's and Life Kit's reporting on Buy Now, Pay Later here.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy