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Episode #245 features a rare public interview with Jodie Auster, Global Head of Airports & Travel at Uber, and recently the Strategic Advisor to Uber's CEO, Dara Khosrowshahi. In conversation with Vidit Agarwal, Jodie reflects on her journey from a risk-embracing Melbourne upbringing and early career in emergency medicine to leadership roles across Bain, Scoopon, Thumbtack and Uber, where she scaled Uber Eats through bold marketing bets and later worked directly with CEO Dara Khosrowshahi. She speaks candidly about burnout during COVID, the craft of executive facilitation, influence without authority, risk as a two-way door, stepping away from a high-profile Regional GM role, and the questions she asks new team members to create the best team culture. Please enjoy exploring your curiosity! ________ This episode is part of a special limited series showcasing Innovation supported by the City of Sydney. Visit the City's website here: cityofsydney.nsw.gov.au To support this podcast, check out our some of our sponsors & get discounts: → $1,000 off Vanta: Your compliance superpower — vanta.com/high If you're keen to discuss sponsorship and partnering with us or recommend future guests, email us at contact@curiositycentre.com today! Join our stable of commercial partners including the Australian Government, Google, KPMG, Vanta, Allens, Notion and more. ________ Show notes and more episodes here Follow us on Instagram, LinkedIn or Twitter Get in touch with our Founder and Host, Vidit Agarwal directly here Contact us via our website ________ The High Flyers Podcast features in-depth interviews with the world's most influential figures in business, tech, finance, government and sport. Launched in 2020, it has ranked in the global top ten for past three years, with listeners in 27 countries and over 200+ episodes released, and featured in Forbes, Daily Telegraph, and at SXSW. Our guests include -- Malcolm Turnbull (Prime Minister of Australia), Anil Sabharwal (Global VP, Product at Google), Jason Collins (Head of BlackRock, Asia Pacific), Jodie Auster (Global Head of Travel, Uber), Stevie Case (Chief Revenue Officer, Vanta), Brad Banducci (CEO, Woolworths), Jean-Michel Lemieux (CTO, Shopify + Atlassian), Sweta Mehra (EGM, NAB; ex CMO, ANZ), Bowen Pan (Creator, Facebook Marketplace), Sam Sicilia (Chief Investment Officer, Hostplus), Craig Tiley (CEO, Tennis Australia), John Haddock (CBO, Harvey), Niki Scevak (Co-Founder, Blackbird Ventures), Mike Schneider (CEO, Bunnings), Trent Cotchin (3x Premiership Winning Captain, Richmond FC), Peter Varghese (Secretary of Foreign Affairs, Australian Government), Jack Zhang (CEO, Airwallex), Matteo Franceschetti (CEO, Eight Sleep) and more.
Bobby and Alex discuss the Philadelphia Phillies' new hyperbaric chamber partnership and its medical and scientific merit. Then, they update the ranking of the San Francisco Giants' new jersey sponsor, Airwallex. Finally, in a deeply unhinged effort, they place all 30 MLB organizations on a political compass where the x-axis is a measure of their economic policy and the y-axis is a measure of their social policy.For the first time in Tipping Pitches history, you can follow along, in real time, as Bobby and Alex place the teams on the chart ONLY ON PATREON.Links:Join the Tipping Pitches Patreon Tipping Pitches merchandise Call the Tipping Pitches voicemail: 785-422-5881Tipping Pitches features original music from Steve Sladkowski of PUP.
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Episode #244 features Sukhinder Singh Cassidy, CEO of Xero — the publicly listed small business platform serving ~4.6 million subscribers across 180+ countries.In conversation with Vidit Agarwal, Sukhinder reflects on her journey from growing up in a deeply values-driven Sikh household in Canada to leading global teams at Amazon and Google, founding three companies, and now steering Xero through its focused 3×3 strategy, US expansion, and AI transformation.She speaks with rare candour about intensity as both her superpower and her kryptonite, taking time off before every job and how lessons from banking, Google and her founder missteps now shape her leadership at Xero. Sukhinder also unpacks Xero's focused 3×3 strategy, the secret to unlocking further growth in the US, Building product in the AI era, filtering customer insights and more.Please enjoy exploring your curiosity!________To support this podcast, check out our some of our sponsors & get discounts:→ $1,000 off Vanta: Your compliance superpower — vanta.com/high→ Find out more about the Law Firm Allens and how they can help your company today at www.allens.com.auIf you're keen to discuss sponsorship and partnering with us or recommend future guests, email us at contact@curiositycentre.com today!Join our stable of commercial partners including the Australian Government, Google, KPMG, Vanta, Allens, Notion and more.________Show notes and more episodes hereFollow us on Instagram, LinkedIn or TwitterGet in touch with our Founder and Host, Vidit Agarwal directly hereContact us via our website________The High Flyers Podcast features in-depth interviews with the world's most influential figures in business, tech, finance, government and sport. Launched in 2020, it has ranked in the global top ten for past three years, with listeners in 27 countries and over 200+ episodes released, and featured in Forbes, Daily Telegraph, and at SXSW.Our guests include -- Malcolm Turnbull (Prime Minister of Australia), Anil Sabharwal (Global VP, Product at Google), Jason Collins (Head of BlackRock, Asia Pacific), Stevie Case (Chief Revenue Officer, Vanta), Brad Banducci (CEO, Woolworths), Jean-Michel Lemieux (CTO, Shopify + Atlassian), Sweta Mehra (EGM, NAB; ex CMO, ANZ), Bowen Pan (Creator, Facebook Marketplace), Sam Sicilia (Chief Investment Officer, Hostplus), Craig Tiley (CEO, Tennis Australia), John Haddock (CBO, Harvey), Niki Scevak (Co-Founder, Blackbird Ventures), Mike Schneider (CEO, Bunnings), Trent Cotchin (3x Premiership Winning Captain, Richmond FC), Peter Varghese (Secretary of Foreign Affairs, Australian Government), Jack Zhang (CEO, Airwallex), Matteo Franceschetti (CEO, Eight Sleep) and more.
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Tushar Apte is a multi-platinum, award-winning Australian songwriter, producer and composer based in Los Angeles, with credits spanning artists including Benson Boone, Demi Lovato, BLACKPINK, BTS, ZAYN, Nicki Minaj and more.In conversation with Vidit Agarwal, Tushar reflects on growing up in suburban Sydney with Indian heritage, years of obscurity grinding in LA, and the late-breaking moments that finally changed his trajectory. He unpacks how global pop hits are actually written, why taste matters more than technical skill, and how AI is reshaping music creation, plus candid reflections on identity, resilience and building a career measured in decades, not hits.Please enjoy exploring your curiosity!________To support this podcast, check out our some of our sponsors & get discounts:→ $1,000 off Vanta: Your compliance superpower — vanta.com/highIf you're keen to discuss sponsorship and partnering with us or recommend future guests, email us at contact@curiositycentre.com today!Join our stable of commercial partners including the Australian Government, Google, KPMG, University of Melbourne and more.________Show notes and more episodes hereFollow us on Instagram, LinkedIn or TwitterGet in touch with our Founder and Host, Vidit Agarwal directly hereContact us via our websiteThe High Flyers Podcast is one of the five products at the Curiosity Centre________This is the eighth episode in our special series with the Australian Government and their Centre for Australia–India Relations, spotlighting the growing Australia–India relationship across technology, business, media, culture and sport. Previous guests include Philip Green, Peter Varghese, Sweta Mehra, Brendan Dowling, Bharat Sundaresan, Lisa Stahlalekar and Sanjeev Gandhi, reflecting the breadth of Indian-Australian leadership at the most senior levels.________The High Flyers Podcast features in-depth interviews with the world's most influential figures in business, tech, finance, government and sport. Launched in 2020, it has ranked in the global top ten for past three years, with listeners in 27 countries and over 200+ episodes released, and featured in Forbes, Daily Telegraph, and at SXSW.Our guests include -- Malcolm Turnbull (Prime Minister of Australia), Anil Sabharwal (Global VP, Product at Google), Jason Collins (Head of BlackRock, Asia Pacific), Stevie Case (Chief Revenue Officer, Vanta), Brad Banducci (CEO, Woolworths), Jean-Michel Lemieux (CTO, Shopify + Atlassian), Sweta Mehra (EGM, NAB; ex CMO, ANZ), Bowen Pan (Creator, Facebook Marketplace), Sam Sicilia (Chief Investment Officer, Hostplus), Craig Tiley (CEO, Tennis Australia), John Haddock (CBO, Harvey), Niki Scevak (Co-Founder, Blackbird Ventures), Mike Schneider (CEO, Bunnings), Trent Cotchin (3x Premiership Winning Captain, Richmond FC), Peter Varghese (Secretary for Foreign Affairs, Australian Government), Jack Zhang (CEO, Airwallex), Matteo Franceschetti (CEO, Eight Sleep) and more.
Welcome to this classic episode. Classics are our favorite episodes from the past 5 years, published as frequently as possible. These are N of 1 conversations with N of 1 people. This is a replay of Episode 153, originally released in 2024— one of our most loved classics.Mark Suster is General Partner at Upfront Ventures, one of LA's leading early-stage venture firms. Prior to leading Upfront, Mark was a serial entrepreneur having founded two software companies, selling both with the last selling to Salesforce. Mark is also a prolific writer and one of his favourite pieces, Lines Not Dots is a renowned article.In conversation with Vidit Agarwal — Mark Suster shares his path from a restless, ADHD-driven childhood to founding companies through the dot-com era, selling to Salesforce, and ultimately shaping Upfront Ventures over nearly two decades. Mark breaks down how elite founders decide when to sell, how venture capital really works at seed versus growth, and why discipline, timing, and trust outperform hype, especially in volatile markets.It's time to explore your curiosity — please enjoy.________To support this podcast, check out our some of our sponsors & get discounts:→ $1,000 off Vanta: Your compliance superpower — vanta.com/highIf you're keen to discuss sponsorship and partnering with us or recommend future guests, email us at contact@curiositycentre.com today!Join our stable of commercial partners including the Australian Government, Google, KPMG, Vanta, Allens, Notion and more.________Show notes and more episodes hereFollow us on Instagram, LinkedIn or TwitterGet in touch with our Founder and Host, Vidit Agarwal directly hereContact us via our website________The High Flyers Podcast features in-depth interviews with the world's most influential figures in business, tech, finance, government and sport. Launched in 2020, it has ranked in the global top ten for past three years, with listeners in 27 countries and over 200+ episodes released, and featured in Forbes, Daily Telegraph, and at SXSW.Our guests include -- Malcolm Turnbull (Prime Minister of Australia), Anil Sabharwal (Global VP, Product at Google), Jason Collins (Head of BlackRock, Asia Pacific), Stevie Case (Chief Revenue Officer, Vanta), Brad Banducci (CEO, Woolworths), Jean-Michel Lemieux (CTO, Shopify + Atlassian), Sweta Mehra (EGM, NAB; ex CMO, ANZ), Bowen Pan (Creator, Facebook Marketplace), Sam Sicilia (Chief Investment Officer, Hostplus), Craig Tiley (CEO, Tennis Australia), John Haddock (CBO, Harvey), Niki Scevak (Co-Founder, Blackbird Ventures), Mike Schneider (CEO, Bunnings), Trent Cotchin (3x Premiership Winning Captain, Richmond FC), Peter Varghese (Secretary/Chief, Foreign Affairs, Australian Government), Jack Zhang (CEO, Airwallex), Matteo Franceschetti (CEO, Eight Sleep) and more.
In this episode, Lex speaks with John Caplan — CEO of Payoneer, a public fintech company driving over $85 billion in annual cross-border payment volume. With roots as a prepaid card provider, Payoneer has evolved into a global financial operating platform serving 2 million entrepreneurs across 190 countries.Caplan shares insights from his entrepreneurial journey—from building OpenSky and scaling it to $50 million in revenue before its acquisition by Alibaba, to now leading Payoneer's transformation into a full-service banking alternative for global SMBs.We explore how Payoneer is addressing the complex financial needs of international businesses, competing in a dynamic payments landscape, and preparing for a future that includes stablecoins, workforce management, and potentially $1 trillion in annual volume.NOTABLE DISCUSSION POINTS:Payoneer's Strategic Evolution from Payout Processor to Global SMB Bank AlternativeUnder John Caplan's leadership, Payoneer expanded beyond marketplace payouts to become a comprehensive cross-border financial platform, offering AR/AP, intra-network transfers, cards, and global workforce management. This shift has significantly increased customer retention, take rate, and profitability—highlighting how product expansion and upmarket focus can unlock durable growth in fintech.Execution Over Hype in Global Fintech InfrastructurePayoneer operates in 190 countries with 100+ banking partners and 7,000 payment routes—demonstrating the importance of deep regulatory compliance, local licensing, and multi-entity support in building resilient cross-border infrastructure. Unlike crypto-native entrants, Payoneer emphasizes last-mile utility and customer trust as core differentiators for scaling in complex markets.Profitable Scale and Global Demand for SMB Financial ServicesWith $1B+ revenue, $200M+ EBITDA, and $7.5B in customer funds held, Payoneer is proving that serving cross-border SMBs is not just a mission, but a highly profitable business. Their customer base spans from Bangladeshi freelancers to European firms doing $1M+ in volume, signaling massive, underserved global demand for modern financial tools outside the traditional banking system.TOPICSPayoneer, Alibaba, OpenSky, Stripe, Wise, Airwallex, Mercury, NuBank, digital banking, embedded finance, stablecoins, blockchain, regtech, B2B payments, SPAC, supple chain, ecommerce ABOUT THE FINTECH BLUEPRINT
In this week's episode, Elliot and John cover a fast-moving slate of anti–financial crime developments across the U.S. and around the globe. They break down former President Trump's multibillion-dollar lawsuit against JPMorgan, evolving debates over U.S. regulatory burden and supervisory staffing at the Federal Reserve, and new legislative pushes to change AML reporting thresholds. Internationally, they explore AMLA's next steps toward direct supervision of 40 high-risk EU financial institutions, significant enforcement actions in Spain and the U.K., and Austrac's probe into payments giant Airwallex. The conversation also highlights new leadership at the Wolfsberg Group, Europol's report on skyrocketing maritime cocaine trafficking, and crypto crime findings from Chainalysis and TRM Labs. The episode closes with a discussion of recent money laundering cases and industry responses to the tragic Minneapolis shooting.
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You asked, we answered. We're doing a much-requested episode on "Australian" fintech Airwallex, which has gotten a lot of untoward attention of late — anti-money laundering audits, accusations by American VCs of being a financial backdoor to China. But there's a bigger story here: the proliferation of payments companies doing a big land grab from traditional financial institutions, and quickly learning that regulation and bank policy exists for a reason. We take a crash course of Airwallex, its current controversies, and where it fits into the bigger payments story.See omnystudio.com/listener for privacy information.
Episode #241 features Nicholas Rudder, Founder & CEO of Sphere — which recently raised a US$21M Series A led by Andreessen Horowitz (a16z), to help some of the world's fastest-growing companies, including Lovable, Linktree and Deel, navigate complex cross-border tax compliance using AI.Nick shares the defining crucible of his journey: Growing up in Europe and Australia, then moving to the US chasing a dream, losing a co-founder, rebuilding as a solo founder, navigating a high-risk twin pregnancy that forced his family out of the US, and holding conviction when belief and momentum collapsed.He breaks down how deep CFO discovery led to Sphere's model of using AI as a junior analyst to interpret global tax rules, the magic behind zero-churn customer retention, motivating engineers and more— offering rare insight into building a durable company in a high-stakes, regulated industry.It's time to explore your curiosity — please enjoy.________To support this podcast, check out our some of our sponsors & get discounts:→ $1,000 off Vanta: Your compliance superpower — vanta.com/high→ Find out more about the Law Firm Allens and how they can help your company today at www.allens.com.auIf you're keen to discuss sponsorship and partnering with us or recommend future guests, email us at contact@curiositycentre.com today!Join our stable of commercial partners including the Australian Government, Google, KPMG, Vanta, Allens, Notion and more.________Show notes and more episodes hereFollow us on Instagram, LinkedIn or TwitterGet in touch with our Founder and Host, Vidit Agarwal directly hereContact us via our website________The High Flyers Podcast features in-depth interviews with the world's most influential figures in business, tech, finance, government and sport. Launched in 2020, it has ranked in the global top ten for past three years, with listeners in 27 countries and over 200+ episodes released, and featured in Forbes, Daily Telegraph, and at SXSW.Our guests include -- Malcolm Turnbull (Prime Minister of Australia), Anil Sabharwal (Global VP, Product at Google), Jason Collins (Head of BlackRock, Asia Pacific), Stevie Case (Chief Revenue Officer, Vanta), Brad Banducci (CEO, Woolworths), Jean-Michel Lemieux (CTO, Shopify + Atlassian), Sweta Mehra (EGM, NAB; ex CMO, ANZ), Bowen Pan (Creator, Facebook Marketplace), Sam Sicilia (Chief Investment Officer, Hostplus), Craig Tiley (CEO, Tennis Australia), John Haddock (CBO, Harvey), Niki Scevak (Co-Founder, Blackbird Ventures), Mike Schneider (CEO, Bunnings), Trent Cotchin (3x Premiership Winning Captain, Richmond FC), Peter Varghese (Secretary/Chief, Foreign Affairs, Australian Government), Jack Zhang (CEO, Airwallex), Matteo Franceschetti (CEO, Eight Sleep) and more.
Kia ora,Welcome to Friday's Economy Watch where we follow the economic events and trends that affect Aotearoa/New Zealand.I'm David Chaston and this is the international edition from Interest.co.nz.Today we lead with news the US dollar is being marked down as demand for precious metal hedges rises.But first in the US there were 260,000 initial jobless claims last week, down -71,000 from the prior week and a marginally smaller change that the -73,000 change seasonal factors would have expected. There are now 2.21 mln people on these benefits, marginally less than the 2.24 mln a year ago. Two years ago, pre-Trump, there were 1.75 mln people on these benefits.US real personal income rose +1.0% in November from the same month a year ago. On this inflation-adjusted basis it has been flat since April 2025. But real personal consumption expenditures rose +2.6%. On an inflation-adjusted basis this is the same pace of rise that started in April 2021. It has been driven recently by services and non-durable goods. While the PCE data is still within the Fed's inflation band, the income drag will be worrying policymakers. The spending rise can't be maintained.The latest regional Fed factory survey, this one from the Kansas City Fed, shows no improvement from its dour base. It is still negative.Malaysia's central bank reviewed its monetary policy and related policy rate overnight and made no change to its 2.75% level. They have a strong economic expansion underway, and inflation is low.Japan's exports rose +5.1% in December from the same month a year ago, the fourth monthly increase and reaching a record value. As good as that was, analysts had expected a rise of +6.1%. Imports climbed +5.3% on the same basis, the fastest pace in 11 months and much faster than November's +1.3% rise.The EU's consumer sentiment survey for January was marginally better (less worse) than for December - again. This continues the slow grinding improvement from its depths in September 2022 and halving that negative level. But it is still negative at double the negative pre-pandemic. Still it is on an improved trajectory and that is in sharp contrast to the US where the similar UofM survey is now deeply negative with a recent deterioration and half the level it was pre-pandemicIn Australia, their labour market performed well in December. Employment increased by +65,000 in the month to 14.65 mln, with full time employment up +54,800 and part-time employment up +10,400. Hours worked rose. As a consequence their jobless rate fell to 4.1%, well below the prior 4.3% and the expected 4.4%. This probably ends any chance of a rate cut early February and brings forward the chance of a rate hike in 2026. Everything now depends on next week's CPI outcome where there is upside risk to November's 3.4% CPI rate now.Staying in Australia, job ad portal Seek is saying their platform shows job ads dropped -1.2% in December from November, and are down -3.5% from the same month a year ago. Applications per job ad fell -0.3% in December, "demonstrating a slightly sharper year-end decline in candidate activity than usual".And Australian unicorn Airwallex is to be investigated by the money laundering regulator AUSTRAC. They suspect "serious non-compliance" by the global payments platform, specialising in moving money internationally for dodgy clients.And we should probably note that the Trump Administration has advanced its role in granting licenses to mine the seabed in international waters. It is currently mapping resources off Samoa, and it has granted its first license to mine in international water to a US miner. The US only recognises a 12 mile country claim, so vast areas are now open to grant permits for their firms to mine. There is potential trouble ahead on jurisdictional issues.Global container freight rates fell -10% last week from the prior week to be -43% below year-ago levels. Bulk cargo freight rates rose +16% in the past week to be double year-ago levels.The UST 10yr yield is now just on 4.25%, down -3 bps from this time yesterday.The price of gold will start today at US$4909/oz, and up another +US$66 from yesterday and a new record again. Silver is up +US$2.50/oz at US$96/oz and also a record high.American oil prices are down -US$1 from yesterday at just on US$59.50/bbl, while the international Brent price is now just under US$64/bbl.The Kiwi dollar is firmer from yesterday, up +50 bps to 59 USc as the USD is devalued in financial markets. Against the Aussie we are little-changed at 86.4 AUc. Against the euro we are up +30 bps at just on 50.3 euro cents. That all means our TWI-5 starts today just on 62.9, and up +40 bps from yesterday and its highest since late September.The bitcoin price starts today at US$89,026 and up +1.2% from this time yesterday. Volatility over the past 24 hours has been modest at just on +/- 1.7%.Join us later this morning when we will report the New Zealand Q4-2025 CPI result, which could set the scene for the RBNZ decisions in 2026, the next one on February 18, 2026. Markets expect a 3.0% CPI rate, right at the top end of the central bank's policy comfort level.You can get more news affecting the economy in New Zealand from interest.co.nz.Kia ora. I'm David Chaston and we'll do this again on Monday.
Welcome to this classic episode. Classics are our favourite episodes from the past 5 years, published every month or two. These are N of 1 conversations with N of 1 people. This is a replay of Episode 120, originally released in Feb 2023.Vidit Agarwal speaks with Alex Badran (Co-Founder & CEO of Spriggy) and Tim Doyle (Co-Founder & CEO of Eucalyptus) in a new sparring-style format, where Alex and Tim actively challenge each other's thinking.They debate how founders make decisions under uncertainty, why data should inform judgement—not replace it, and why speed compounds. They unpack founder paralysis at scale, why customers don't care how big your company is, and why the "superhero" founder perception is incorrect. It's time to explore your curiosity — please enjoy.________To support this podcast, check out our some of our sponsors & get discounts:→ $1,000 off Vanta: Your compliance superpower — vanta.com/highIf you're keen to discuss sponsorship and partnering with us or recommend future guests, email us at contact@curiositycentre.com today!Join our stable of commercial partners including the Australian Government, Google, KPMG, University of Melbourne and more.________Show notes and more episodes hereFollow us on Instagram, LinkedIn or TwitterGet in touch with our Founder and Host, Vidit Agarwal directly hereContact us via our website to discuss sponsorship opportunities, recommend future guests or share feedback, we love hearing how to improve! Thank you for rating / reviewing this podcast on Apple Podcasts and Spotify, it helps others find us and convince guests to come on the show! ________The High Flyers Podcast is described as a "meticulously researched biography" that uncovers the untold stories of remarkable people and companies -- redefining the "high flyer". Launched in 2020, we have ranked in the global top ten podcasts for past two years, with listeners in 27 countries and over 200 episodes released. Excerpts of the podcast have been featured in Forbes, AFR, Daily Telegraph, and showcased at SXSW.200+ guests have joined host, Vidit Agarwal on the show from 15+ countries. Prominent guests include Malcolm Turnbull (Prime Minister of Australia), Anil Sabharwal (VP, Product at Google), Brad Banducci (CEO, Woolworths), Jean-Michel Lemieux (CTO, Shopify + Atlassian), Andy Penn (CEO, Telstra), Stevie Case (Chief Revenue Officer, Vanta), Sweta Mehra (EGM, NAB; ex CMO, ANZ), Bowen Pan (Creator, Facebook Marketplace), Sam Sicilia (Chief Investment Officer, Hostplus), Craig Tiley (CEO, Tennis Australia), Niki Scevak (Co-Founder, Blackbird Ventures), Mike Schneider (CEO, Bunnings), Trent Cotchin (3x Premiership Winning Captain, Richmond FC), Jason Collins (Head of Australasia, BlackRock), Peter Varghese (Chief, Australia's Department of Foreign Affairs), Jack Zhang (CEO, Airwallex), Matteo Franceschetti (CEO, Eight Sleep) and many more. Our parent company, Curiosity Centre is the intelligence platform for the ambitious, trusted by leading organisations across technology, finance, government and sport since 2020.
Welcome to this classic episode. Classics are our favorite episodes from the past 5 years, published every month or two. These are N of 1 conversations with N of 1 people. This is a replay of Episode 145, originally released in October 2023— one of our most loved classics.Episode #238 features Beezer Clarkson, Partner at Sapphire Ventures — one of the most respected LPs in global venture capital.In conversation with Vidit Agarwal, Beezer shares her journey from growing up between the UK and the US to building a career across banking, consulting and venture, before helping shape Sapphire's LP strategy.She reflects on formative family influences, her relationship with money, and the mindset that's guided her career.Beezer unpacks how Sapphire evaluates venture funds, what differentiates emerging managers who endure, and why discipline, clarity and long-term thinking matter, especially in tougher markets and lots more. It's time to explore your curiosity — please enjoy.________To support this podcast, check out our some of our sponsors & get discounts:→ $1,000 off Vanta: Your compliance superpower — vanta.com/highIf you're keen to discuss sponsorship and partnering with us or recommend future guests, email us at contact@curiositycentre.com today!Join our stable of commercial partners including the Australian Government, Google, KPMG, University of Melbourne and more.________Show notes hereFollow us on Instagram, LinkedIn or TwitterGet in touch with our Founder and Host, Vidit Agarwal directly hereContact us via our website to discuss sponsorship opportunities, recommend future guests or share feedback, we love hearing how to improve! Thank you for rating / reviewing this podcast on Apple Podcasts and Spotify, it helps others find us and convince guests to come on the show! ________The High Flyers Podcast is described as a "meticulously researched biography" that uncovers the untold stories of remarkable people and companies -- redefining the "high flyer". Launched in 2020, we have ranked in the global top ten podcasts for past two years, with listeners in 27 countries and over 200 episodes released. Excerpts of the podcast have been featured in Forbes, AFR, Daily Telegraph, and showcased at SXSW.200+ guests have joined host, Vidit Agarwal on the show from 15+ countries. Prominent guests include Malcolm Turnbull (Prime Minister of Australia), Anil Sabharwal (VP, Product for Google Chrome, Photos and Drive), Andy Penn (CEO, Telstra), Stevie Case (Chief Revenue Officer, Vanta), Brad Banducci (CEO, Woolworths), Jean-Michel Lemieux (CTO, Shopify + Atlassian), Jillian Broadbent (Board Member, Macquarie Capital), Sweta Mehra (EGM, NAB; ex CMO, ANZ), Bowen Pan (Creator, Facebook Marketplace), Sam Sicilia (Chief Investment Officer, Hostplus), Craig Tiley (CEO, Tennis Australia), Niki Scevak (Co-Founder, Blackbird Ventures), Mike Schneider (CEO, Bunnings), Trent Cotchin (3x Premiership Winning Captain, Richmond FC), Jason Collins (Head of Australasia, BlackRock), Peter Varghese (Chief, Australia's Department of Foreign Affairs), Jack Zhang (CEO, Airwallex), Matteo Franceschetti (CEO, Eight Sleep) and many more. Our parent company, Curiosity Centre is your on-demand intelligence hub for knowledge, connections and growth to achieve your potential, everyday. Join 200,000+ Investors, Founders, Functional Leaders, CEOs and Emerging Leaders. Learn with the world's best and be 1% better everyday at https://curiositycentre.com
Sarah Chen-Spellings is a Malaysian-born investor based in America, working at the intersection of women, wealth, and innovation. She works with family offices and institutional investors globally on capital allocation, portfolio construction, and long-term value creation. She is the co-founder of Beyond The Billion, which mobilized over $1 billion into women-founded companies through a global consortium of venture funds. Partner funds within this ecosystem have backed 16 unicorns, including Canva and Airwallex, giving Sarah a rare vantage point into how early-stage capital compounds into category-defining global platforms. Earlier in her career, Sarah was a corporate venture capitalist at a $13B Asian conglomerate, where she helped build a venture arm from the ground up and supported multi-million-dollar investments, gaining deep experience in underwriting, governance, and institutional decision-making. She is also the creator and host of Billion Dollar Moves, part of the HubSpot Podcast Network, where she sits down with billionaires, unicorn founders, and global investors to unpack how capital, power, and influence actually move behind the scenes. She is also a co-founder of Lean In Malaysia, one of Malaysia's leading nonprofit platforms advancing women in leadership, convening senior executives, founders, and decision-makers across sectors. Learn more about Sarah: www.sarah-chen.com / Instagram : https://instagram.com/sarahchenglobal LinkedIn: https://linkedin.com/in/sarahchenglobal
ANZ is cutting 4,500 jobs and scaling back consultants in a $560 million restructure under its new CEO. Macquarie has smashed the Big Four banks in July this year, snapping up nearly 40% of all Australian home loans written. Airwallex has pulled off Australia’s second-largest VC raise ever with a $US330 million raise… but it’s not without its controversy. _ 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.
Episode #236 features Matteo Franceschetti, Co-Founder & CEO of Eight Sleep — the category-defining sleep fitness company trusted by Elon Musk, Lewis Hamilton, NFL quarterbacks and Olympic champions, and backed by Khosla Ventures, Founders Fund and Y Combinator.Note: This is a replay of Episode 159, originally released in March 2024 — one of our most loved classics.In conversation with Vidit Agarwal, Matteo shares his journey from a small town near Venice to building a global category-defining sleep company. He reflects on learning English in his mid-20s, starting his career as a lawyer, losing his father early, and walking away from a “safe” path to bet on entrepreneurship.Matteo unpacks Eight Sleep's real origin story — early prototypes, repeated YC rejections, the insight that temperature control beat sleep tracking, and the hard realities of building a durable hardware business. He also shares his philosophy on performance, health, leadership and why success comes down to one idea: chop wood, carry water.It's time to explore your curiosity — please enjoy.________To support this podcast, check out our some of our sponsors & get discounts:→ $1,000 off Vanta: Your compliance superpower — vanta.com/highIf you're keen to discuss sponsorship and partnering with us or recommend future guests, email us at contact@curiositycentre.com today!Join our stable of commercial partners including the Australian Government, Google, KPMG, University of Melbourne and more.________CLICK HERE to read show notes from this conversation. Please enjoy!________Follow us on Instagram, LinkedIn or TwitterGet in touch with our Founder and Host, Vidit Agarwal directly hereContact us via our website to discuss sponsorship opportunities, recommend future guests or share feedback, we love hearing how to improve! Thank you for rating / reviewing this podcast on Apple Podcasts and Spotify, it helps others find us and convince guests to come on the show! ________The High Flyers Podcast is described as a "meticulously researched biography" that uncovers the untold stories of remarkable people and companies -- redefining the "high flyer". Launched in 2020, we have ranked in the global top ten podcasts for past two years, with listeners in 27 countries and over 200 episodes released. Excerpts of the podcast have been featured in Forbes, AFR, Daily Telegraph, and showcased at SXSW.200+ guests have joined host, Vidit Agarwal on the show from 15+ countries. Prominent guests include Malcolm Turnbull (Prime Minister of Australia), Anil Sabharwal (VP, Product for Google Chrome, Photos and Drive), Andy Penn (CEO, Telstra), Stevie Case (Chief Revenue Officer, Vanta), Brad Banducci (CEO, Woolworths), Jean-Michel Lemieux (CTO, Shopify + Atlassian), Jillian Broadbent (Board Member, Macquarie Capital), Sweta Mehra (EGM, NAB; ex CMO, ANZ), Bowen Pan (Creator, Facebook Marketplace), Sam Sicilia (Chief Investment Officer, Hostplus), Craig Tiley (CEO, Tennis Australia), Niki Scevak (Co-Founder, Blackbird Ventures), Mike Schneider (CEO, Bunnings), Trent Cotchin (3x Premiership Winning Captain, Richmond FC), Jason Collins (Head of Australasia, BlackRock), Peter Varghese (Chief, Australia's Department of Foreign Affairs), Jack Zhang (CEO, Airwallex), Matteo Franceschetti (CEO, Eight Sleep) and many more. Our parent company, Curiosity Centre is your on-demand intelligence hub for knowledge, connections and growth to achieve your potential, everyday. Join 200,000+ Investors, Founders, Functional Leaders, CEOs and Emerging Leaders. Learn with the world's best and be 1% better everyday at https://curiositycentre.com
The Twenty Minute VC: Venture Capital | Startup Funding | The Pitch
AGENDA: 03:46 SpaceX's $800 Billion Valuation: A Deep Dive 09:18 IPO Market Predictions for 2026 18:18 Netflix's Bold Move: Acquiring Warner Brothers 27:43 Tiger's New Fund Strategy 33:02 Databricks' Head of AI $500 Million Seed Round 36:38 Harvey Raises $160M at an $8BN Valuation 48:22 Will LLMs Kill the App Layer 01:02:02 Google's AI Capabilities 01:06:58 Chinese Open Source Models in US Startups 01:08:57 Airwallex Raises $330M at an $8BN Valuation 01:23:50 Prediction Markets and Insider Trading
The Reserve Bank of Australia has paused the cash rate at 3.60% in its final meeting of the year…after inflation reared its ugly ugly head once again. Paramount has crashed the Hollywood party with a $108 billion USD hostile bid for Warner Bros Discovery. Airwallex has pulled off Australia’s second-largest VC raise ever with a $US330 million raise… but it’s not without its controversy. _ 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.
Episode #235 features Steve Hind — Co-Founder & CEO of Lorikeet, one of the fastest-growing AI companies backed by QED Investors, Square Peg, Blackbird and the founders of Canva.In this conversation, Steve traces his journey from growing up in regional Queensland to competitive debating, and then an unconventional path across BCG, Bridgewater, BuzzFeed, Stripe, Watershed and a Harvard MBA.Steve shares the lessons that shaped him: the discipline and thick skin he built through debating; the customer-first mindset he learned at Stripe and why he left; the performance culture and feedback systems he absorbed at Bridgewater; and the downsides of having strong opinions in environments that demand alignment.He also breaks down Lorikeet's early pivot, how the team found real product–market fit after painful false starts, and the company's rapid rise to US$75M+ raised in under 12 months.He explains why Lorikeet backs high-accuracy AI agents over copilots, how he thinks about safety and evaluation, and what he's learned about building product, culture, ambition and customer trust while scaling globally.It's time to explore your curiosity — please enjoy.________To support this podcast, check out our some of our sponsors & get discounts:→ $1,000 off Vanta: Your compliance superpower — vanta.com/high→ Find out more about the Law Firm Allens and how they can help your company today at www.allens.com.auIf you're keen to discuss sponsorship and partnering with us or recommend future guests, email us at contact@curiositycentre.com today!Join our stable of commercial partners including the Australian Government, Google, KPMG, University of Melbourne and more.________CLICK HERE to read show notes from this conversation. Please enjoy!________Follow us on Instagram, LinkedIn or TwitterGet in touch with our Founder and Host, Vidit Agarwal directly hereContact us via our website to discuss sponsorship opportunities, recommend future guests or share feedback, we love hearing how to improve! Thank you for rating / reviewing this podcast on Apple Podcasts and Spotify, it helps others find us and convince guests to come on the show! ________The High Flyers Podcast is described as a "meticulously researched biography" that uncovers the untold stories of remarkable people and companies -- redefining the "high flyer". Launched in 2020, we have ranked in the global top ten podcasts for past two years, with listeners in 27 countries and over 200 episodes released. Excerpts of the podcast have been featured in Forbes, AFR, Daily Telegraph, and showcased at SXSW.200+ guests have joined host, Vidit Agarwal on the show from 15+ countries. Prominent guests include Malcolm Turnbull (Prime Minister of Australia), Anil Sabharwal (VP, Product for Google Chrome, Photos and Drive), Andy Penn (CEO, Telstra), Stevie Case (Chief Revenue Officer, Vanta), Brad Banducci (CEO, Woolworths), Jean-Michel Lemieux (CTO, Shopify + Atlassian), Jillian Broadbent (Board Member, Macquarie Capital), Sweta Mehra (EGM, NAB; ex CMO, ANZ), Bowen Pan (Creator, Facebook Marketplace), Sam Sicilia (Chief Investment Officer, Hostplus), Craig Tiley (CEO, Tennis Australia), Niki Scevak (Co-Founder, Blackbird Ventures), Mike Schneider (CEO, Bunnings), Trent Cotchin (3x Premiership Winning Captain, Richmond FC), Jason Collins (Head of Australasia, BlackRock), Peter Varghese (Chief, Australia's Department of Foreign Affairs), Jack Zhang (CEO, Airwallex), Matteo Franceschetti (CEO, Eight Sleep) and many more. Our parent company, Curiosity Centre is your on-demand intelligence hub for knowledge, connections and growth to achieve your potential, everyday. Join 200,000+ Investors, Founders, Functional Leaders, CEOs and Emerging Leaders. Learn with the world's best and be 1% better everyday at https://curiositycentre.com
Check out my newsletter at https://TKOPOD.com and join my new community at https://TKOwners.com━Manage your business finances globally and save on fees with Airwallex: https://www.airwallex.com━Want to make $10k/month on Facebook Marketplace?
Jack Zhang founded Airwallex in 2015 in Melbourne, Australia. It has now gone global and is valued at more than $6bn by investors. Zhang has moved to London in order to help Airwallex scale globally. He tells Dougal Shaw why there was a unique window of opportunity to build his fintech platform and why traditional banks still have a lot of catching up to do if they want to capitalise on the new revolution in artificial intelligence.Airwallex is a tech-first financial operating system helping businesses scale across borders faster, by doing things like processing international payments. Zhang was born and raised in China but moved to Australia aged 16, without his family, to pursue his education. While working for several large companies as a computer programmer, he also ran multiple side hustles. It was a coffee shop venture that led to the idea for Airwallex, as he encountered the high costs associated with global payments between currencies... Hosted on Acast. See acast.com/privacy for more information.
Check out my newsletter at https://TKOPOD.com and join my new community at https://TKOwners.com━Manage your business finances globally and save on fees with Airwallex: https://www.airwallex.com━This was honestly one of my favorite HoldCo Bros sessions ever. We broke down the math on 8 different business ideas that are completely wide open right now.I'm talking about everything from simple local service arbitrage to high-level psychological pricing hacks. We even break down how one guy in a tiny town is generating a quarter-million dollars a year with zero employees.The opportunities are hiding in plain sight—you just have to know where to look.In this episode, we breakdown:The "Virginity Rocks" Case Study: How a simple brand does $70M/year.The Influencer Partnership Play: How to monetize someone else's audience (using Tesla as an example).The $240k Local Newsletter: How a guy in a small town makes a killing (and how you can copy him).The "Gray Hat" Growth Hack: A slightly controversial way to get high-value clients quickly.Botox Arbitrage: A genius way to partner with neighbors for a cash-flowing side hustle.The Lifetime Warranty Hack: A psychological pricing strategy that sounds crazy but prints money.The "Middleman" Agency: How to sell Local SEO to dentists without doing the work yourself.Reverse-Engineering Etsy: How to find best-selling products just by looking at reviews.Enjoy! ---Watch this on YouTube instead here: tkopod.co/p-ytAsk me a question on or off the show here: http://tkopod.co/p-askLearn more about me: http://tkopod.co/p-cjkLearn about my company: http://tkopod.co/p-cofFollow me on Twitter here: http://tkopod.co/p-xFree weekly business ideas newsletter: http://tkopod.co/p-nlShare this podcast: http://tkopod.co/p-allScrape small business data: http://tkopod.co/p-os---
With the rise in artificial intelligence, should companies be looking to implement a Chief AI Officer into their executive leadership teams?See omnystudio.com/listener for privacy information.
Episode #230 of The High Flyers Podcast features Bowen Pan, who led the creation of Facebook Marketplace and held product leadership roles at Trade Me, Meta, Stripe, and Common Room. He now advises startups and serves on boards including NZME and the Auckland University Business School.Born in China and raised in New Zealand, Bowen shares how learnt English at age nine, how he built Facebook Marketplace from a hackathon, worked directly with Mark Zuckerberg, and led global teams across Silicon Valley. He reflects on lessons in execution, leadership, and returning home to help build the next generation of world-class companies from Australia and New Zealand.It's time to explore your curiosity. Please enjoy.________To support this podcast, check out our some of our sponsors & get discounts:→ $1,000 off Vanta: Your compliance superpower — vanta.com/high→ Get up to 6 months of Notion's Business plan for free with Notion AI included (worth $12K): Go to - https://ntn.so/highflyers & click “Apply Now”If you're keen to discuss sponsorship and partnering with us or recommend future guests, email us at contact@curiositycentre.com today!Join our stable of commercial partners including the Australian Government, Google, KPMG, University of Melbourne and more.________CLICK HERE to read show notes from this conversation. Please enjoy!________Follow us on Instagram, LinkedIn or TwitterGet in touch with our Founder and Host, Vidit Agarwal directly hereContact us via our website to discuss sponsorship opportunities, recommend future guests or share feedback, we love hearing how to improve! Thank you for rating / reviewing this podcast on Apple Podcasts and Spotify, it helps others find us and convince guests to come on the show! ________The High Flyers Podcast is described as a "meticulously researched biography" that uncovers the untold stories of remarkable people and companies -- redefining the "high flyer". Launched in 2020, we have ranked in the global top ten podcasts for past two years, with listeners in 27 countries and over 200 episodes released. Excerpts of the podcast have been featured in Forbes, AFR, Daily Telegraph, and showcased at SXSW.200+ guests have joined host, Vidit Agarwal on the show from 15+ countries, including The CEO's of multi-billion dollar companies like Telstra, Bunnings, Australia Post, Woolworths, Airwallex, Eucalyptus, Tennis Australia etc; Board Members at Macquarie Bank, ANZ, Reserve Bank etc; Former Prime Minister of Australia; Globally renowned Tech CEO's from Google, Microsoft, Xero etc, Successful Venture Capital and Family Office Investors; CIO's at the world's biggest superannuation funds; Leading Entertainers; Olympic Gold Medal Winning Athletes and interesting minds you wouldn't have heard of that are changing the world. Our parent company, Curiosity Centre is your on-demand intelligence hub for knowledge, connections and growth to achieve your potential, everyday. Join 200,000+ Investors, Founders, Functional Leaders, CEOs and Emerging Leaders. Learn with the world's best and be 1% better everyday at https://curiositycentre.com
Building a successful fintech consulting firm without venture capital requires more than industry knowledge. It demands a willingness to sacrifice, a clear understanding of what customers need, and the ability to treat compliance as a commercial function rather than a cost center.Tedd Huff founder & CEO of Voalyre a fintech advisory firm sits down with Jas Randhawa, founder and CEO of Strategybrix, a compliance consulting firm that serves high-growth fintechs, exchanges, and partner banks. The discussion covers the hard lessons learned from bootstrapping, the common mistakes fintech founders make, and why approaching compliance strategically can unlock growth rather than block it. Jas spent over 20 years working with major banks like Citibank, JP Morgan, Deutsche Bank, and HSBC. His background as a computer science engineer gave him an inside view of how compliance systems work, from KYC and onboarding to transaction monitoring and fraud detection.Takeaways:1️⃣ Prepare budget negotiations with specific numbers and risk examples so you walk in ready to win.2️⃣ Replace compliance roadblocks with conditions for approval that define the guardrails needed to say yes safely.3️⃣ Audit your onboarding flow against competitors to remove unnecessary friction that causes customer drop-off.4️⃣ Create a one-page explainer showing how your AI compliance tools process data and produce outputs for regulators.5️⃣ Build a trusted advisor network and schedule calls this week to validate major hiring and spending decisions.Links:Jas Randhawa: https://www.linkedin.com/in/randhawajasStrategybrix: https://www.strategybrix.comhttps://www.linkedin.com/company/strategybrixFintech Confidential:Podcast: https://fintechconfidential.com/listenNewsletter: https://fintechconfidential.com/accessLinkedIn: https://www.linkedin.com/company/fintechconfidentialX: https://x.com/FTconfidentialInstagram: https://www.instagram.com/fintechconfidentialFacebook: https://www.facebook.com/fintechconfidentialSupporters:Under: Streamlines application and underwriting with digital form processing. https://under.io/ftcSkyflow: Zero-trust data privacy vaults as an API to collect, secure, and tokenize personal information while keeping compliance and usability. https://skyflowsecure.comDfns: Wallets as a service with API-first, multi-chain design secured with MPC; powers crypto payments across 50+ networks. https://fintechconfidential.com/dfnsHawk AI: Real-time screening, ML monitoring, and dynamic customer risk ratings to strengthen fraud and financial-crime prevention. https://gethawkai.comAbout:Jas Randhawa is the Managing Partner at StrategyBRIX, a boutique Risk and Compliance Consulting firm. Before StrategyBRIX, Jas was the Head of Financial Crimes and Compliance at leading fintechs, including Stripe and Airwallex. In addition, at PwC, Jas built and led the firm's Financial Crimes practice across the US West Coast. He has over 18 years of experience building and managing programs in the Compliance space.StrategyBRIX is a boutique consulting firm specializing in risk and compliance management for fintechs, crypto platforms, and digital banks. Founded in 2021, the firm helps organizations build sustainable financial crime compliance programs that balance regulatory rigor with operational efficiency.Tedd Huff is the Founder of Voalyre, a professional services advisory firm focused on global payments. He is also a video podcast host and executive producer on the Fintech Confidential network. Over the past 25 years, he has contributed to FinTech startups as an Advisory Board Member, Co-Founder, and Chief Experience Officer.DD3 Media is...
Episode #229 of The High Flyers Podcast features Jack Zhang, Co-Founder and CEO of Airwallex, one of the world's fastest-growing fintech companies valued at over $5 billion. Born in rural Shandong, China, Jack moved to Melbourne at 15, juggling multiple jobs while studying computer science before launching Airwallex in 2015. A former engineer and trader turned global founder, he's known for his relentless drive, humility, and vision — building a company that powers payments for businesses in over 190 countries.Note: This is a replay of Episode 157, originally released in February 2024 — one of our most loved classics.In this conversation, Jack reflects on his humble upbringing in China, moving to Australia as a teenager with little English, and the years of bartending, coding, and side hustles that shaped his discipline. He shares the early failures and pivots that defined Airwallex's journey, what it took to convince banks and investors to believe in a startup from Melbourne, and how he rebuilt the business three times before global success.We go deep into founder psychology, hiring intuition, and leadership under pressure, as Jack opens up about stress, sacrifice, and resilience — from anxiety attacks to moments of clarity that shaped his philosophy that “wealth is fluid, but time is not.”It's time to explore your curiosity, please enjoy.________To support this podcast, check out our some of our sponsors & get discounts:→ $1,000 off Vanta: Your compliance superpower — vanta.com/high→ Get up to 6 months of Notion's Business plan for free with Notion AI included (worth $12K): Go to - https://ntn.so/highflyers & click “Apply Now”If you're keen to discuss sponsorship and partnering with us or recommend future guests, email us at contact@curiositycentre.com today!Join our stable of commercial partners including the Australian Government, Google, KPMG, University of Melbourne and more.________Follow us on Instagram, LinkedIn or TwitterGet in touch with our Founder and Host, Vidit Agarwal directly hereContact us via our website to discuss sponsorship opportunities, recommend future guests or share feedback, we love hearing how to improve! Thank you for rating / reviewing this podcast on Apple Podcasts and Spotify, it helps others find us and convince guests to come on the show! ________The High Flyers Podcast is described as a "meticulously researched biography" that uncovers the untold stories of remarkable people and companies -- redefining the "high flyer". Launched in 2020, we have ranked in the global top ten podcasts for past two years, with listeners in 27 countries and over 200 episodes released. Excerpts of the podcast have been featured in Forbes, AFR, Daily Telegraph, and showcased at SXSW.200+ guests have joined host, Vidit Agarwal on the show from 15+ countries, including The CEO's of multi-billion dollar companies like Telstra, Bunnings, Australia Post, Woolworths, Airwallex, Eucalyptus, Tennis Australia etc; Board Members at Macquarie Bank, ANZ, Reserve Bank etc; Former Prime Minister of Australia; Globally renowned Tech CEO's from Google, Microsoft, Xero etc, Successful Venture Capital and Family Office Investors; CIO's at the world's biggest superannuation funds; Leading Entertainers; Olympic Gold Medal Winning Athletes and interesting minds you wouldn't have heard of that are changing the world. Our parent company, Curiosity Centre is your on-demand intelligence hub for knowledge, connections and growth to achieve your potential, everyday. Join 200,000+ Investors, Founders, Functional Leaders, CEOs and Emerging Leaders. Learn with the world's best and be 1% better everyday at https://curiositycentre.com
See omnystudio.com/listener for privacy information.
In this episode, Lex speaks with Ravi Adusumilli - President and GM of the Americas at Airwallex. Ravi and Lex discuss how Airwallex has evolved into a global financial platform by offering businesses an integrated suite of cross-border payments, treasury, and banking services. Founded in 2015, Airwallex now supports 150,000 customers, processes $130 billion in annualized volume (up 73% YoY), and projects a $1 billion revenue run rate by year-end.The company's success stems from its end-to-end infrastructure, homegrown payment rails, and multi-product strategy, with 80% of revenue now coming from customers using more than one product. Airwallex differentiates itself by focusing on global-first B2B use cases and building regional autonomy alongside centralized infrastructure. While not prioritizing stablecoins today, the company is exploring AI-driven financial operations and aims to reach $1 trillion in transaction volume by 2030. NOTABLE DISCUSSION POINTS:Airwallex's Infrastructure: Proprietary Global Payment NetworkAirwallex operates a proprietary global payment infrastructure that processes 95% of its $130 billion in annualized transaction volume. The company has developed its own technology and regulatory framework in partnership with over 60 banks worldwide. This approach reduces dependence on legacy systems such as SWIFT and supports greater control over transaction speed, cost, and compliance.Expansion Through Multi-Product OfferingAirwallex has expanded its services beyond cross-border payments to include card issuance, spend management, treasury functions, and merchant acquiring. According to company data, 80% of revenue is generated from customers using multiple products. Payments now account for 70% of net revenue and are growing at three times the rate year over year.Decentralized Go-To-Market StructureAirwallex employs a regional management model, with General Managers responsible for performance and operations in specific geographies. This structure is supported by centralized functions such as product development, compliance, and engineering. With 1,700 employees in 26 offices, the company uses this hybrid model to manage growth and adapt to local regulatory environments across multiple regions, including Latin America and Asia-Pacific. TOPICSAirwallex, Stripe, Brex, Rippling, Shopify, Pinterest, Visa, fintech, global payments, e-commerce, cross-border transactions, paytech, embedded payments, CFO stack, stablecoins, AI ABOUT THE FINTECH BLUEPRINT
My Fintech Newsletter for more interviews and the latest insights:↪︎ https://rexsalisbury.substack.com/In this episode, Jack, founder of Airwallex, shares his journey—from working odd jobs in Australia to leading a company that rejected a $1.2B acquisition offer from Stripe and now generates close to $900M in annual revenue. Jack reveals how Airwallex evolved through three distinct phases—from FX infrastructure to a comprehensive business banking platform—serving 150,000 customers globally. We discuss pivotal moments with investors, rapid scaling, and the challenges of global money movement. Jack also shares candid views on stablecoins, go-to-market strategies—including major brand partnerships like McLaren F1 and Arsenal—and dives into Airwallex's ambitious AI plans that aim to revolutionize finance. Tune in to hear about bold decisions, lessons from near-bankruptcy, and what's next for one of fintech's fastest-growing companies.Jack Zhang: linkedin.com/in/jack-zhang-0520022200:00 - Why Airwallex turned down Stripe's $1.2B offer00:37 - Jack's journey: Odd jobs to founder01:08 - Stablecoins and global money movement: Useless or gamechanger?03:22 - Unlocking initial hypergrowth: Key customers and industries05:20 - Pivoting product: What didn't work and why07:37 - Three phases of Airwallex's growth08:58 - Building a layered business banking platform10:06 - From student magazines to diverse side businesses13:37 - Lessons from early failures and successes15:34 - Creating borderless financial infrastructure16:56 - Are stablecoins really practical for payments?19:18 - Scaling payments: Liquidity, costs, and geographies21:36 - Airwallex today: Revenue and growth stats22:23 - Market scope and expansion plans24:18 - The million-dollar meeting: Raising capital27:04 - Hardest fundraises and investor stories29:28 - Go-to-market strategy: Brand and partnerships33:25 - Investing in brand: The timing and payoff34:24 - Founder visibility: Why Jack speaks out now37:05 - Impact of storytelling on growth and hiring38:32 - Life outside Airwallex: Hobbies & balance38:44 - Expansion in the US: Offices and hiring plans40:13 - Airwallex Copilot: AI agents for autonomous finance41:42 - AI-powered products: The future of business ops42:22 - Major product launches: Full-stack billing for AI companies43:15 - Crossing $1B ARR: What's next for Airwallex44:13 - Airwallex Billing: Features, rollout, and free offer___Connect with Rex on social media:LinkedIn: https://www.linkedin.com/in/rexsalisbury/Twitter: https://twitter.com/rexsalisburyTikTok: https://www.tiktok.com/@rex.salisburyInstagram: https://www.instagram.com/rexsalisbury/
This week on Under the Hood, we hear from our friends Heather Smith and Tyler Caskey, co-hosts of the Accounting Apps podcast. Heather and Tyler share all the insider information you need to know about the technology space over the course of Q2 2025. Tune in to hear more about: The latest in the accounting tech space over April, May and June 2025. Upcoming ‘must go to' tech events. Airwallex x Wheel x NetSuite integration. Employment Hero v. Seek. Discussion on MYOB's recent development, Solo Money. You can contact the Accountants Daily team and podcast host Imogen at imogen.wilson@momentummedia.com.au.
Join us for an insightful conversation with Jon Stona, who leads marketing at Airwallex, one of the fastest-growing fintechs in the world. Operating across 130+ markets from their Singapore headquarters, Jon shares how they've built a modern marketing organisation that balances global consistency with local authenticity. From the critical importance of product marketing to bold brand moves like their McLaren F1 partnership, this episode explores what it takes to scale marketing in the fintech space while challenging traditional B2B playbooks. Key Topics Covered Global Marketing Architecture Why Airwallex chose to build their marketing function from APAC rather than traditional hubs like Silicon ValleyThe strategic advantage of hiring talent familiar with fragmentation and global tradeManaging distributed teams across multiple time zones and regions Product Marketing as Foundation Why product marketing is the most under-invested function in marketingJon's goal to grow product marketing to 10% of the marketing organisationThe four-dimensional coverage model: product suites, geography, industry verticals, and competitive intelligence Brand Building in Fintech The trust equation: reliability + credibility + intimacy - self-orientationHow the McLaren F1 partnership addresses all four trust componentsMeasuring brand impact through awareness surveys, pipeline metrics, and employee sentiment AI and Marketing Evolution Practical AI implementations using tools like Writer and ProfoundThe paradigm shift in SEO and content strategyWhy AI advancement might make first-principles marketing even more important Notable Quotes "You're not marketing to business decision makers. You're marketing to humans who happen to make business decisions." "If your core is strong, even as a human being, then the rest tends to get strength from that." "Data is important, but data should not override common sense." "Never lose sight of first principles... all good marketing starts with good insight." Key Takeaways Geography isn't destiny - Core marketing capabilities matter more than location when scaling globallyProduct marketing is critical - It's the foundation that makes all other marketing efforts effectiveTrust is multi-dimensional - Especially in fintech, building trust requires a strategic approach across multiple touchpointsHuman connection wins - Even in B2B, you're ultimately marketing to humans, not businessesBold moves differentiate - In a crowded market, calculated risks and creative approaches cut through the noise Rapid Fire Insights Must-read resource: "Nudge" - behavioural economics and decision-makingKey advice: Don't get trapped doing the same playbook everyone else usesWhat excites him most: The transformational potential of B2B marketing beyond marginal gains Guest Bio Jon Stona leads global marketing at Airwallex, a fintech unicorn that has grown from a Melbourne coffee shop startup to serving customers across 130+ markets. Based in Singapore, Jon oversees marketing strategy for one of the world's fastest-growing financial infrastructure platforms, with a focus on building product marketing capabilities and bold brand initiatives that challenge traditional B2B conventions. This episode is perfect for marketing leaders looking to scale globally, fintech professionals interested in brand building, and anyone curious about the future of B2B marketing in an AI-driven world.
Heather Smith and Tyler Caskey explore major Q4 tech updates, from payroll developments to NetSuite integrations, AI trends, multi-entity reporting, and smarter expense and project tools. Today I'm speaking with Tyler Caskey, Founder at The Bean Counter. In this episode, we talk about . . . industry insights and key accounting technology updates from April to June 2025. We highlight the competition in HR and payroll, noting Rippling's market leadership, Employment Hero's implementation improvements, and Tanda's attractive pricing . We discuss Xero's integration of Syft into its dashboard. Tyler praises the project management solution Work Guru for its native integrations across different systems. We also cover the integration of the ERP solution Oracle NetSuite with Airwallex, Weel and ApprovalMax, and highlight changes in Xero, QuickBooksOnline, and MYOB, including the release of Solo Money by MYOB. We wrapped up with a quick look at recent investments and a preview of upcoming Accounting Technology events. Key Themes & Takeaways Payroll & HR Tech Competition heating up: Rippling, Employment Hero, Elmo, and Tanda making moves. Pricing pressures and feature sets vary widely—Tanda noted as great value. Multi-Entity Reporting Strong contenders: Fathom, Join, DataSights, Calxa, Spotlight Reporting. Notable updates: Xero integrates Sift, Join introduces Board Packs, Calxa adds advanced tracking category grouping. Expense Management & Virtual Cards ApprovalMax, Weel and Airwallex now integrated with NetSuite. Derive emerges as a serious AP/procurement tool competitor to ProSpend, especially for franchises. Jobs & Projects WorkGuru praised for native integrations, suitability for construction and manufacturing. Gojee, Scoro, and Project Works also discussed. Project Works raised $12M Series A. AI & ChatGPT Use in Accounting Clients are using AI for education and pre-queries—accountants need to stay ahead. Risks around DIY tax advice. AI as a review tool (e.g., Expert, future potential). CRM Tools Wave CRM: Excellent for member-based orgs. Friendly Manager and Hello Club noted in the sports/event space. Core App Updates Xero: Practice Manager UI refresh, Tap to Pay on iPhone, invoicing redesign, Carbon integration, U.S. Melio acquisition. QuickBooks: New 3-year forecasting, workflow approvals, ATO integration enhancements. MYOB: Launches Solo Money – targeted at freelancers/sole traders. ERP & Reporting Tools Hemesphere + Odoo for large-volume users. NetSuite growing as a high-quality GL platform, even for low-entity clients. Campfire (AI-first ERP) secures $35M Series A funding. Events Mentioned Heather & Tyler speaking across AU at Dashboard Insights, CloudOffice, CA ANZ & Women in Accounting events. Upcoming: Xerocon (Tyler speaking), Suite World Vegas, Zoholics, Mayday's Multi-Entity Webinar Series. Upcoming events that Tyler or Heather are speaking at: 31 Jul - Fireside, Forecasts & Future Tech - Cloudoffis, Melbourne 1 Aug - FY25 Accounting Benchmarking Roadshow - Dashboard Insights, Brisbane 14-26 Aug Scaling with Xero 19 Aug Your Brain is Full: Build a Second Brain to Make Room for What Matters - SWAN Sydney Women in Accounting Network 25-26 Aug 2025 Zoholics - Sydney 1 Sep The Intersection of Accounting and Technology - CAANZ, Brisbane 3-4 Sep Xerocon - Brisbane 6-9 Oct SuiteWorld - Las Vegas 22-23 Oct Accounting & Business Show Asia - Singapore Contact details: Tyler Caskey : https://www.linkedin.com/in/tylercaskey/ The Bean Counters https://www.thebeancounters.com.au/ Accounting Apps newsletter: http://accountingapps.io/ Accounting Apps Mastermind: https://www.facebook.com/groups/XeroMasterMind LinkedIn: https://www.linkedin.com/in/HeatherSmithAU/ YouTube Channel: https://www.youtube.com/ANISEConsulting X: https://twitter.com/HeatherSmithAU
Send us a textWant to save $100K+ a year in your eCommerce brand? Start here.If you're building, scaling, or even barely surviving in the eCommerce space right now—this video is your wake-up call.In this video, I pull back the curtain and reveal the seven most painful, profit-killing mistakes I made—so you don't have to repeat them.Whether you're a solo founder, a small team, or a scaling operation, these lessons could be the difference between growth and collapse.Here's what you'll learn:The truth about cash flow (and why profit ≠ cash)How overhiring early creates long-term chaos and inefficiencyThe pricing mindset that actually protects your marginsHow to cut $20K+ in bloated operational expensesWhy over-relying on paid ads is one of the riskiest movesThe real cost of ignoring trend waves like TikTok ShopWhy organic content is now the centerpiece of my growth strategyBonus insights:I also walk you through my personal tech stack—how I use tools like StoreHero, Triple Whale, and Airwallex to forecast cash flow, track profitability in real time, and scale without drowning in debt or bad data.If you're tired of spinning your wheels and ready to build a leaner, smarter, and more resilient brand—this is the video you've been waiting for.Subscribe for more brutally honest insights, founder frameworks, and growth strategies that actually work.Apply to work with me via eCommerce OS (link below) and let's double your profit—without doubling the pain.
In this episode of Digitally Curious, host Andrew Grill, renowned futurist and author, sits down with Shannon Scott, Senior Vice President and Global Head of Product at Airwallex, one of the world's fastest-growing FinTech innovators.Key Topics Covered:Shannon's Journey:From rural Victoria to leading global product strategy at Airwallex, Shannon shares how his background in computer science and mechatronic engineering shapes his approach to building next-generation financial products.Engineering Mindset in Product Leadership:Discover how thinking from first principles and understanding technology “under the hood” enables Airwallex to deliver seamless, global financial services and challenge industry assumptions.AI's Transformative Role in Financial Services:Explore how AI is not just automating traditional tasks like fraud detection and compliance, but fundamentally transforming business workflows, onboarding, and financial operations — turning hours of manual work into minutes.Agentic AI Explained:Shannon demystifies agentic AI, describing how autonomous AI agents can handle complex, multi-step financial processes, from vendor onboarding to payment reconciliation, and what this means for both large and small businesses.Trust, Explainability & Regulation:The episode delves into the importance of maintaining trust and explainability in AI-driven finance, the role of human feedback, and why robust regulation gives financial services a head start in adopting AI responsibly.Data as a Strategic Asset:Learn why proprietary, high-quality data is the new competitive edge in the AI era, and how modular, adaptable data infrastructure is critical for future-proofing financial services.The Future of Decision-Making:Andrew and Shannon discuss the evolution of AI from an operational tool to a strategic decision partner, capable of suggesting best practices, optimising approval flows, and proactively managing risk.Actionable Insights:Shannon shares three practical steps for listeners to better understand and leverage agentic AI in finance:Embrace podcasts and diverse learning sourcesExperiment with new AI tools and servicesContinuously question and seek better ways of workingResourcesAirwallex WebsiteShannon on LinkedInThanks for listening to Digitally Curious. You can buy the book that showcases these episodes at curious.click/orderYour Host is Actionable Futurist® Andrew GrillFor more on Andrew - what he speaks about and recent talks, please visit ActionableFuturist.com Andrew's Social ChannelsAndrew on LinkedIn@AndrewGrill on Twitter @Andrew.Grill on InstagramKeynote speeches hereOrder Digitally Curious
Cross-border payments. Mobile money. Stablecoins. Crypto. Elizabeth Rossiello has lived through every cycle, not from a trading desk, but the front lines of African markets. Now, the founder of AZA Finance is selling her company to global fintech giant dLocal, a signal that the line between crypto and traditional finance is blurring fast. In this episode, she talks about: How stablecoins are powering 24/7 commerce in emerging markets Why new entrants keep failing to gain traction And how liquidity, not tech, will determine who wins this new game All that, plus the inside story of AZA's journey from a Nairobi-based Bitcoin exchange to one of the most important fintech players in Africa. Visit our website for breaking news, analysis, op-eds, articles to learn about crypto, and much more: unchainedcrypto.com Bitwise Human Rights Foundation Xapo Bank Elizabeth Rossiello, CEO and Founder of AZA Finance Previous appearance on Unchained: BitPesa's Elizabeth Rossiello on Necker Island dLocal announces intention to acquire AZA Finance to strengthen AZA Finance: dLocal announces intention to acquire AZA Finance to strengthen presence in Africa and expand capabilities Bloomberg: Uruguay's DLocal to Buy AZA Finance in Africa Push American Banker: What experienced payment execs can pass to a new generation The Startup Leap: Building A Remittance App for Africa's $1tr Market | Elizabeth Rossiello | Aza Finance Jack Zhang of Airwallex tweet saying he doesn't see “a single use case” for crypto Timestamps:
Elliot Colquhoun, VP of Information Security + IT at Airwallex, has built what might be the most AI-native security program in fintech, protecting 1,800 employees with just 9 security engineers by building systems that think like the best security engineers. His approach to contextualizing every security alert with institutional knowledge offers a blueprint for how security teams can scale exponentially without proportional headcount growth. Elliot tells Jack his unconventional path from Palantir's deployed engineer program to leading security at a Series F fintech, emphasizing how his software engineering background enabled him to apply product thinking to security challenges. His insights into global security operations highlight the complexity of protecting financial infrastructure across different regulatory environments, communication platforms, and cultural contexts while maintaining unified security standards. Topics discussed: The strategic approach to building security teams with 0.5% employee ratios through AI automation and hiring engineers with entrepreneurial backgrounds rather than traditional security-only experience. How to architect internal AI platforms that contextualize security alerts by analyzing historical incidents, documentation, and company-specific knowledge to replicate senior engineer decision-making at scale. The methodology for navigating global regulatory compliance across different jurisdictions while maintaining development velocity and avoiding the trap of building security programs that slow down business operations. Regional security strategy development that accounts for different communication platform preferences, cultural attitudes toward privacy, and varying attack vectors across global markets. The framework for continuous detection refinement using AI to analyze false positive rates, true positive trends, and automatically iterate on detection strategies to improve accuracy over time. Implementation strategies for mixing and matching frontier AI models based on specific use cases, from using Claude for analysis to O1 for initial assessments and Gemini for deeper investigation. "Big bet" security investments where teams dedicate 30% of their time to experimental projects that could revolutionize security operations if successful. How to structure data and human-generated content to support future AI use cases, including training security engineers to document their reasoning for model improvement. The transition from traditional security tooling to agent-based systems that can control multiple security tools while maintaining business-specific context and institutional knowledge. The challenge of preserving institutional knowledge as AI systems replace human processes, including considerations for direct AI-to-regulator communication and maintaining human oversight in critical decisions. Listen to more episodes: Apple Spotify YouTube Website
Send us a text[Original air date, April 9, 2024] Miguel Armaza interviews Jack Zhang, CEO & Co-Founder of Airwallex, a global payments and treasury giant that moves $7 billion in monthly transaction volume and serves 100,000+ clients, including Brex, Rippling, and SHEIN.Founded in Melbourne in 2015, Airwallex was last valued at $6.2 billion and has raised over a billion dollars from Sequoia, DST, Square Peg, Greenoaks, Mastercard, Tencent, Salesforce, and many more.In this episode, we discuss:How investing in a coffee shop led him to co-found a global payments networkWhy Airwallex prioritizes people with great leadership skills who are also technicalThe impact of AI in financial servicesNew risks of AI-powered financial fraudPartnering with almost 100 banks around the world… and a lot more!Want more podcast episodes? Join me and follow Fintech Leaders today on Apple, Spotify, or your favorite podcast app for weekly conversations with today's global leaders that will dominate the 21st century in fintech, business, and beyond.Do you prefer a written summary? Check out the Fintech Leaders newsletter and join 80,000+ readers and listeners worldwide!Miguel Armaza is Co-Founder and General Partner of Gilgamesh Ventures, a seed-stage investment fund focused on fintech in the Americas. He also hosts and writes the Fintech Leaders podcast and newsletter.Miguel on LinkedIn: https://bit.ly/3nKha4ZMiguel on Twitter: https://bit.ly/2Jb5oBcFintech Leaders Newsletter: bit.ly/3jWIp
The Twenty Minute VC: Venture Capital | Startup Funding | The Pitch
Airwallex is the most insane story in startups: The best angel investment ever: The angel that turned $1M into $1BN. One of the world's best VCs pulled a term sheet and lost $1BN. The company turned down a $1.2BN offer from Stripe. The company scaled to $1BN in transaction volume in 9 months. The company has never not grown 100% in a year. Jack Zhang is the Co-Founder and CEO of Airwallex, one of the world's fastest-growing global payments and financial infrastructure companies. Since founding the company in 2015, Jack has scaled Airwallex to over $130B in annual payment volume, $720M in ARR, and a global team of 1,800+ employees. Under his leadership, Airwallex has raised over $1.2BN from investors including Square Peg, Lone Pine, and Tencent. In Today's Episode We Discuss: 00:00 – The Best Angel Investment Ever: From $1M to $1BN 06:55 – From Lemon Factory and Petrol Station to Billionaire: The Early Days 15:20 – $5M side hustle while working full-time: how Jack did it 24:45 – Failing Three Times Before Product-Market-Fit 31:00 – The Term Sheet That Got Pulled and Lost Matrix $1BN 34:40 – Why We Rejected Stripe's $1.2BN Acquisition Offer 49:05 – 0-$1B transaction volume in 9 months: How Shein Saved Airwallex 1:03:40 – We F****** Up Scaling internationally... & Burnt $200M/year 1:08:00 – When COVID hit, they lost 50% of revenue overnight 1:11:45 – Why Jack raised at 6x revenue and is now buying back stock himself 1:15:00 – The truth about secondaries and how much is “enough” 1:18:00 – The hiring mistakes that almost broke the culture 1:20:15 – Why Jack is Taking Out a Line of Debt for $70M
Moving money internationally is mission-critical for many businesses in the world, particularly those outside the U.S. But, today, for businesses using traditional banks, moving money across borders is often expensive, slow and a terrible user experience. Wherever you have that combination you can be sure a fintech company is attacking the problem aggressively, which is certainly the case here.My next guest on the Fintech One-on-One podcast is Ravi Adusumilli, the President and GM of the Americas for Airwallex. They have built their own payments rails, as an alternative to SWIFT, to serve businesses who want to move money and accept payments internationally. How they have done that makes for a fascinating conversation.In this podcast you will learn:The target market for Airwallex in the Americas.How they help businesses expand internationally.Why they decided to build their own payments rails as an alternative to SWIFT.How the money moves exactly.The percentage of their payments that move in real time.What was behind their acquisition of MexPage in Mexico.Why they decided to build a business themselves in Brazil.How they are working with Brex.How Airwallex is able to serve smaller businesses.How they help tech companies offer embedded global payments as a profit center.How their multi-currency wallets work.Ravi's perspective on stablecoins and other alternative payments rails.His view on the future of embedded finance and global payments.Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes
Send us a textMiguel Armaza interviews Shensi Ding, Co-Founder of Merge, an integrations infrastructure platform that has quickly grown from serving early-stage startups to powering integration layers for some of the largest financial services companies in the world including Revolut, Airwallex, Ramp, Brex and many more. They have raised a total of $75 million from great investors including NEA, Addition, and Accel.In this episode, we discuss:Building credibility with engineers and product teamsUnique advantages of being a first-time founder. Plus some hard lessons learned.How customer obsession and early security investments shaped company strategyWhy fundraising is a game with rules first-time founders need to learn... and a lot more! Want more podcast episodes? Join me and follow Fintech Leaders today on Apple, Spotify, or your favorite podcast app for weekly conversations with today's global leaders that will dominate the 21st century in fintech, business, and beyond.Do you prefer a written summary? Check out the Fintech Leaders newsletter and join 75,000+ readers and listeners worldwide!Miguel Armaza is Co-Founder and General Partner of Gilgamesh Ventures, a seed-stage investment fund focused on fintech in the Americas. He also hosts and writes the Fintech Leaders podcast and newsletter.Miguel on LinkedIn: https://bit.ly/3nKha4ZMiguel on Twitter: https://bit.ly/2Jb5oBcFintech Leaders Newsletter: bit.ly/3jWIp
Our podcast show today features Jason Mikula, publisher of Fintech Business Weekly; a newsletter going beyond the headlines to analyze the technology, regulatory and business model trends, driving the rapidly evolving financial services ecosystem at the intersection of traditional banking, payments, FinTech and crypto. We discuss his recently released book, titled “Banking as a Service: Opportunities, Challenges, and Risks of New Banking Business Models” (Kogan Page 2024). The publisher describes the book as follows: “This book provides a comprehensive look at banking-as-a-service (BaaS), equipping readers with an understanding of the origins, evolution, future and applications of BaaS and the key differences across global markets.” BaaS is a game changer in the financial services sector, radically transforming both how consumers experience financial products and the business models delivering them. “Banking as a Service” cuts through the hype to provide a measured overview of BaaS, helping readers to demystify a complex evolving field, and understand its key opportunities, challenges, and risks. It provides a framework for understanding where BaaS came from, how BaaS changes the economics and business models of banking products and services, its impact on key stakeholders, and its key regulatory implications. “Banking as a Service” explains how business and operating models work, exploring different models such as interchange, deposit gathering, loan origination-to-distribute, legacy, API-first, own license, match-making and bank service providers, and offers a framework for thinking about whether or not they're sustainable. It explores how BaaS operating and business models compare in different global territories and is supported by real-world examples and cases profiling organizations such as Blue Ridge Bank, Unit, Synapse, Goldman Sachs, Railsr, Starling, Solaris, Cacao Paycard, QNB, OnePipe, Airwallex, Nium and Pomelo. It also explains the differences between BaaS, embedded finance and “open banking.” Alan and Jason discuss the answers to the following questions and topics: 1. What do we mean when we say "banking as a service"? 2. What are the different BaaS business models/operating models? 3. What led to the explosion in banking-as-a-service? 4. Why have bank/fintech partnerships had a rough go of it lately in the US and is that likely to change with a new administration? 5. What is (or what should be) regulators' role in supervising non-bank entities in the BaaS value chain (eg, middleware, customer-facing fintechs)? 6. What is an FBO and are FBOs the "original sin" of banking-as-a-service? 7. What advice would you give to banks considering getting into the BaaS space? How do you see the market evolving from here - for banks, for technology providers, and for customer-facing companies? 8. What advice would you give to fintechs that rely on a bank partner or are looking for one? Alan Kaplinsky, Senior Counsel and former chair for 25 years of the Consumer Financial Services Group, hosts the discussion.
In this week's podcast episode, we speak with Shannon Scott, SVP, Global Head of Product at Airwallex, who shares insights on product leadership, career paths, hiring strategies, and the challenges of building enterprise products.Featured links: Follow Shannon on LinkedIn | Airwallex | Grow with, not through by Shannon Key takeaways Understanding the product leads to better outcomes.Career decisions in startups are reversible.Belief in the product is crucial for success.Hiring requires a balance of experience and adaptability.Reference customers are vital for enterprise success.Product management skills can be applied in various roles.Evaluating a company's growth stage is essential before joining.Diversity in hiring brings different perspectives to the team.Critical thinking is key in product management roles.Building enterprise products requires understanding complex customer needs. Your customers expect it to be complex.Building a strong relationship with customers is crucial.Understanding the intricacies of your product is essential.Mistakes in startups can lead to valuable learning experiences.Creating a culture of accountability helps prevent repeated mistakes.It's important to adapt quickly to market changes.The best products come from deep understanding of customer needs.Utilizing infrastructure effectively can enhance customer experience.Communication with customers can lead to better product fit.A direct organizational culture fosters better outcomes.Our HostsLily Smith enjoys working as a consultant product manager with early-stage and growing startups and as a mentor to other product managers. She's currently Chief Product Officer at BBC Maestro, and has spent 13 years in the tech industry working with startups in the SaaS and mobile space. She's worked on a diverse range of products – leading the product teams through discovery, prototyping, testing and delivery. Lily also founded ProductTank Bristol and runs ProductCamp in Bristol and Bath. Randy Silver is a Leadership & Product Coach and Consultant. He gets teams unstuck, helping you to supercharge your results. Randy's held interim CPO and Leadership roles at scale-ups and SMEs, advised start-ups, and been Head of Product at HSBC and Sainsbury's. He participated in Silicon Valley Product Group's Coaching the Coaches forum, and speaks frequently at conferences and events. You can join one of communities he runs for CPOs (CPO Circles), Product Managers (Product In the {A}ether) and Product Coaches. He's the author of What Do We Do Now? A Product Manager's Guide to Strategy in the Time of COVID-19. A recovering music journalist and editor, Randy also launched Amazon's music stores in the US & UK.
Send us a textWe bring you a compilation of some of the best and most popular episodes of 2024. The guests of this episode have either founded or held key leadership roles in companies with a $200 Billion combined market cap, including Capital One, Kaspi, Mercado Libre, and Xero.It was an amazing year for Fintech Leaders with 42 new guests from 13 countries. Our interviews were viewed almost 3 million times across all platforms and we reached people in 184 countries. Thank you for tuning for what was an amazing year and I'm excited to bring you a 2025 full of rockstar business leaders.In this episode, you'll hear from:Mikhail Lomtadze, CEO of Kaspi.kz (Nasdaq:KSPI)Diya Jolly, Chief Product and Technology Officer at XeroPedro Arnt, CEO of dLocal (NASDAQ:DLO)Eric Poirier, CEO of AddeparNigel Morris, Co-Founder of QED & Capital OneRujul Zaparde, CEO & Co-Founder of ZipJack Zhang, CEO & Co-Founder of AirwallexWant more podcast episodes? Join me and follow Fintech Leaders today on Apple, Spotify, or your favorite podcast app for weekly conversations with today's global leaders that will dominate the 21st century in fintech, business, and beyond.Do you prefer a written summary? Check out the Fintech Leaders newsletter and join ~70,000+ readers and listeners worldwide!Miguel Armaza is Co-Founder and General Partner of Gilgamesh Ventures, a seed-stage investment fund focused on fintech in the Americas. He also hosts and writes the Fintech Leaders podcast and newsletter.Miguel on LinkedIn: https://bit.ly/3nKha4ZMiguel on Twitter: https://bit.ly/2Jb5oBcFintech Leaders Newsletter: bit.ly/3jWIp