Podcasts about Dwolla

Join FPC Executive Director Reed Luhtanen as he goes off the rails with Dave Glaser and Skyler Nesheim of Dwolla. The trio talks about retail use cases for instant payments, the need for a dispute resolution framework, pay by bank, and Skyler's Iowa State Cyclones basketball team, which looks pretty darn good. FPC Spring Member Meeting is coming up! Register at fasterpaymentscouncil.org

In this episode, TC, our CTO Confessions host, and Skyler Nesheim, the CTO of Dwolla, discuss the strategies and mindsets that have propelled his career in the competitive and dynamic world of FinTech. A hidden world that we all use without knowing it. Key takeaways from the podcast are: Develop a framework to prioritize core, unique technology that drives your business while leveraging SaaS solutions for non-core needs to enable responsible, sustainable growth. Utilize thoughtful questioning, such as "What problem are we solving?" and "What are we optimizing for?" to align teams, challenge assumptions, and drive better decision-making. Emphasize the value of documenting decisions, potential second-order effects, and leveraging mental models to improve collaboration, knowledge sharing, and future problem-solving abilities. Our Guest: Skyler Nesheim LinkedIn: Skyler Nesheim | LinkedIn Website: https://www.dwolla.com/ Intro and background music: Craig MacArthur - Power Shutoff (www.youtube.com/watch?v=x74iB_jtauw)

In This Episode Integration is a team sport these days. There is a need for constant adaptation and innovation, it can be complex and expensive, a lack of standards in the U.S. has introduced a lot of competing standards and solutions challenging business and consumer adoption. Partnerships and tighter focus can be key to bringing down cost to exchange funds and complement the current payments system with $80 Trillion processed on the ACH system in 2023, $55 Trillion of it B2B payments. Listen as Brett King catches up with Dwolla's CEO, David Glaser and CTO, Skyler Nesheim. Dwolla was first featured on Breaking Banks back in 2013, they bring us up to date on the innovative interfaces that Dwolla offers to the US banking system and their ability to work with innovators of all sizes. It's an interesting discussion covering RTP payments, open banking, pay by bank, connections to the ACH Network and RTP Network for institutions of all sizes. Then Jason Henrichs chats with veteran financial services executive, founder & CEO Sanjib Kalita, about fintech events from Money 20/20 to Fintech Meetup and beyond. From best practices to the need to create the right culture and maximize the value of content and improve ROT (Return on Time), differentiation is important as is contributing to greater knowledge. Are there too many events? It's a master class in events!

Lawrence Herman's path to becoming a CFO unfolded through a series of experiences that changed his understanding of the finance world, beginning with his initial role at Goldman Sachs. Here, in the crucible of intense market dynamics, Herman cut his teeth on complex financial models, where the rigor of long hours refined his capacity to handle pressure and complexity—a foundational skill for any leader. Following his stint at Goldman Sachs, Herman transitioned to Prudential Securities, diving into the intricate world of mergers and acquisitions. This move wasn't just a change of address: It was a strategic step into a role that demanded a deep understanding of corporate strategies and the foresight to see beyond numbers. It was here that Herman began to interact closely with C-suite executives, gaining insights into decision-making at the highest levels and learning the art of negotiation and strategic thinking. Herman's career trajectory continued through various financial institutions, including EY and Morgan Stanley, each role offering him new lenses through which to view the business world. His expertise deepened in areas such as consulting and transaction advisory, where he navigated diverse challenges and crafted solutions that drove business growth and efficiency. As the CFO at Dwolla, Herman leverages his vast experience to guide the company through the evolving landscape of digital payments. His strategic focus on optimizing operations and integrating innovative technologies like AI reflects a commitment not just to manage finances but also to anticipate and shape future financial landscapes. Each career phase has taught Herman valuable lessons in resilience, adaptability, and foresight—qualities that define his role as a CFO today. 

In this episode of Fintech Impact, host Jason Pereira interviews Dave Glaser, the CEO of Dwolla, a leading digital payment solution that empowers third parties to offer streamlined and unified payment processing services. Dwolla's innovative platform facilitates efficient and secure digital transactions, revolutionizing the way businesses handle payments.Episode Highlights:05:36: Dave delves into the global theme of account-to-account processing, highlighting its rapid adoption in the U.S. This period coincided with the rise of fintech and the increased need for remote access to funds, especially during the COVID-19 pandemic.07:30: The conversation touches on Dwolla's evolving responsibility, moving from a B2C to a B2B provider. Dwolla now focuses on servicing businesses that interface with millions of consumers in their networks.11:25: Dave agrees with Jason's assessment, tracing the history of the ACH system and its evolution as money became more digital. He highlights the continuous innovation, from mainframe connectivity to modern cloud-based systems and mobile apps, democratizing access to exchanging money.13:36: Dave explains the significance of businesses digitally transforming their systems, processes, and moving to modern app-based, cloud-based systems. Dwolla aims to provide account-to-account solutions, emphasizing their lower cost, speed, and competitiveness compared to traditional methods.16:17: Dave delves into the motivators for banks, stating that deposits are the primary source of revenue, guiding banks in their decisions and incentivizing their actions. He emphasizes that while banks add value-added services, deposits remain the core focus.21:05: Dave identifies competition as the most significant challenge, emphasizing the fierce competition in the payment space. He highlights the necessity for efficiency, focus, strategic hiring, partnerships, and optimal resource utilization in the face of strong competition.Key Points:Dwolla is a leader in the United States for B2B enterprises processing account-to-account payments, with a focus on providing efficient and low-cost solutions for consumers and small businesses.Over the years, Dwolla has pivoted its focus from providing payments for consumers and small businesses directly to offering its API for the banking network.Dwolla is adapting to the evolving trends in the industry by focusing on providing faster payment methods and open banking tools through its platform.Tweetable Quotes:"Banks are primarily driven by deposits. Deposits are always at the core for banks and the way they think about things." - Dave Glasser"Competition in the payment space is fierce. Start-ups in this space have to be very efficient, very focused, very driven." - Dave Glasser"I get to bring account-to-account payments and open banking innovations to the US. I can't wait to get out of bed every day to do it." - Dave GlasserResource Mentioned:Facebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – Sponsorhttps://www.linkedin.com/in/daglaser/https://www.dwolla.com/ Hosted on Acast. See acast.com/privacy for more information.

Prepare to revolutionize your understanding of account-to-account (A2A) payments with our special guest, Dave Glaser, CEO of Dwolla. Dave presents a fascinating insight into the company's innovative approach towards A2A payments, including their strategic shift towards servicing mid-market and enterprise clients. We delve into Dwolla's new product, Dwolla Connect, and how companies can leverage this technology while maintaining existing treasury relationships. Dave, with his wealth of experience in the payments and fintech industry, also shares his journey and his exciting career highlights involving Cybersource, WorldPay, and now, Dwolla.We cast a broad net over the rapidly evolving fintech landscape, discussing how traditional payment methods are getting a major makeover. From the omnipresent ACH transactions and real-time payments to the rise and triumph of companies like Square and Stripe, we uncover the seismic shifts in the industry. We probe into the potential transition from credit cards to A2A transactions at retail and explore how these changes are enabling merchants to accept payments anytime, anywhere, via any device. Lastly, Dave shares valuable career advice and discusses the role of artificial intelligence in Dwolla's innovation strategy, bringing a holistic perspective to the conversation about the future of payments and the fintech industry as a whole.

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

Jason talks to Yasser Abou-Nasr, Senior Vice President of product at Dwolla. The company is a payment infrastructure company specifically specializing in account-to-account transfers.Episode Highlights0.30: Dwolla is a modern payments platform that really becomes an engine that a lot of our Fintech or software companies or corporate enterprises want to embed in their stacks because they actually have sophisticated a2a problems that they want to solve, says Yasser.2.20: There was a decision to make a pivot around 2016 where Dwolla focused on helping businesses get paid and payout necessary use cases that really have to pay payments through modern API.6.11: One use case we are seeing is that people being really creative with helping that are under underprivileged and how they are able to leverage our platform to make cash flow readily available for those, says Yasser.8.04: It's just amazing to see how many different people are realizing the opportunities to embedded finance and finding that Dwolla is kind of that opportunity and that really helping us position and go to market. 9.18: Some customers use us as essentially, they are able to give cash advances to their drivers and their drivers are able to kind of pay back those loans as well through our network, says Yasser.12.21: Yasser wants to go ahead and be that payment service provider where they can actually leverage the data, make smart decisions and actually get payments to the financial Institute.15.47: Yasser says that they are looking at data aggregation and enrichment for them to bring other value adds to kind of help enrich the transaction or the decisions or the risk behind those transactions.17.05: RFP, request for payment is going to do some amazing things. Yasser has learned from other markets like India that they're way mature with instant payments. 19.01: Any type of position has risk involved with that and if Yasser can minimize risk and increase that position for a faster funding, then everything kind of follows right behind it.24.55: There are endless possibilities with a2a payments and that's what gets Yasser excited and kind of really coming in every day.3 Key PointsEveryone in vertical SaaS companies is trying to disrupt the certain industry that has pain points or problems especially around funding or positioning, says Yasser.The banks are just not best positioned especially when it comes to API's and how they want to manage innovation and Fintech find a big struggle to work with banks.The fact that open banking is regulated has really pushed a lot of innovation in a2a because of consumer piece, says Yasser.Tweetable Quotes"We actually power complex a2a payments as well and because of our solution people come to us." – Yasser"Effectively you are the pipes that no consumer sees but alleviates frustration when it happens." – Jason"We are excited about all the different use cases in industries around. We ran a report earlier and we see ourselves in 80 different industries." – YasserResources MentionedFacebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – Sponsorhttps://www.linkedin.com/in/yabounasr/https://www.dwolla.com/ Hosted on Acast. See acast.com/privacy for more information.

Today, David is talking to Max Farrell. Max Farrell is in charge of sales, business development, and administrative duties. Max also leads industry engagement by speaking at trucking events and writing for industry publications. He also wrote the blog on immersive customer discovery by riding with “The Turntable Trucker” from Des Moines to Los Angeles. Before WorkHound, he founded an innovation consultancy, Create Reason, and worked in Business Development at Dwolla. What You'll Learn: Vertical Products Customer Discovery Company Building and First 5 Customers Beta and Product Market-Fit Value-Based Pricing Software Sales Cycle Fundraising in an Under-Capitalize Market Investor Qualifications Transition to New Markets Favorite Quote: “People think there are shortcuts, but there are no shortcuts! There is a formula: PAIN + PASSION +PERSISTENCE = PAYOFF.” -- The Capital Stack All Things Tech Investing and Value Creation Early growth investor David Paul interviews the world's most excellent ecosystem, learns how to start and scale your own business, and finds an edge in today's capital markets. To connect with David, visit: Twitter - https://twitter.com/davidpaulvc (CLICK HERE) Substack - http://davidpaul.substack.com/ (CLICK HERE) LinkedIn - http://linkedin.com/in/Davidpaulvc (CLICK HERE) IG - https://www.instagram.com/davidpaulvc/ (CLICK HERE) DISCLAIMER: David Paul is the founder and general partner at DWP Capital. All opinions expressed by David and podcast guests are solely their own opinions and do not reflect the opinions of DWP capital. This podcast is for formational purposes only and should not be relied upon for decisions. David and guests may maintain positions in the securities discussed on this podcast.

This recording is from Fintech Nexus USA (formerly known as LendIt Fintech USA) held at the Javits Center in New York City on May 25-26, 2022. It is from the track: Real-Time Payments: How Fintech is Not Waiting for the Fed - Sponsored by Visa and is titled: A Holistic View of Real-Time Payments. Speaking at this session are Brady Harris, Dwolla, Dimitri Dadiomov, Modern Treasury, Will Graylin, OV Loop,  with Moderator: Paul Byrne, Zai.

In today's compelling episode host Jason Henrichs speaks with Alyona Mysko, CEO and Founder of Fuel, a Ukrainian company. Fuel, a cloud-based financial department, helps startups by acting as their finance function, navigating what can be tough waters, so CEOs and CFOs can focus and make smart business decisions and projections. Figuring a scalable business model is hard enough - now imagine being a fintech company figuring the business for scaling Saas and ecommerce startups while in an actual - not metaphorical - warzone, with the attendant real worries of keeping team members and family safe. Then, what do faster payments mean for the future of fintech? Greg Palmer, host of sister podcast Finovate, speaks with Dwolla's CEO, Brady Harris about open banking, innovations and developments in payments, quicker access to funds, and A2A. How we move money continues to evolve. https://youtu.be/mdRDb6Dgueo

Lauren Martin, VP Legal at Dwolla, USA, spoke to Rudolf Falat, founder of the Voice of FinTech podcast, about improving America's payments infrastructure, privacy, regulations in this space, and more! Here is what they talked about in more detail: Lauren's background and journey to FinTech What does Dwolla provide? Are APIs on the back of the old payments infrastructure the final solution to America's payments pain points? How does people's desire for privacy come into play regarding payments? How does Dwolla distinguish itself from competitors? Who are Dwolla's clients? Domestic or international payments? What's the technology behind Dwolla's solution? How do you make money? The female/male ratio in law school vs. FinTech world - how does Lauren handle it? Team and locations What's your favorite business book: Amp it Up by Frank Slootman, Think Again by Adam Grant The best way to reach out: Lauren (Gannon) Martin on LinkedIn

Alex Taub is the co-founder and CEO of Upstream, a no-code all-in-one DAO builder. Alex previously was the co-founder and CEO of SocialRank (acquired by Trufan). Prior to that Alex led business development and partnerships for online integrations at Dwolla, a payments startup based in Iowa. As well as for Aviary (acquired by Adobe), a NY-based startup that provides a photo editing API for web and mobile devices. Alex is active in the NY tech scene as the creator of the BD Meetup and an advisor to early-stage companies. He has been featured in Business Insider as one of the “Top 20 Under 25” in the NY tech scene. Alex writes a popular blog called Alex's Tech Thoughts, and has been published in Fast Company, The New York Observer, The Next Web and VentureBeat. He teaches Business Development classes, and has been quoted on many tech websites including TechCrunch, NY Post, The New York Times, Business Insider, Mashable, and PC Magazine. He was a contributor for the Forbes Entrepreneur section and advisor for Rainfall Ventures, a seed stage VC fund. Now he is the General Partner at Taub Ventures, an early stage fund to invest in startups. Topics Covered by Alex Taub in this Episode How Upstream makes it easy to start a DAO Upstream as a full-stack solution Identifying the need for Upstream in the market Different use cases Alex is anticipating for Upstream How Alex has approached market research shifting the company's focus The decision to “upgrade” Upstream Their journey of raising a Series A What's next for Upstream How Alex views opportunity in their industry How Upstream is approaching customer acquisition The Illuminati NFT project and putting systems in place to protect its members The timeline and process of setting up repeatable structures Other projects Alex has been involved in What Alex looks for in the NFT space Alex's approach to collecting NFTs What Alex is excited about within the Web3 eco-system Listen to all episodes of the Just Go Grind Podcast: https://www.justgogrind.com Follow Justin Gordon on Twitter: https://twitter.com/justingordon212

What do faster payments mean for the future of fintech?

It's another VOICES OF THE COMMUNITY Episode!First, get an EXCLUSIVE look at Toby Bee's new project: NFC's!Then, head of the council Enoch Wise interviews Tarric Sookdeo, Developer Relations Engineer at ACH-payments-company Dwolla!

Companies Standing On Principles, Not Positions - Brady Harris; CEO, Dwolla | Riderflex - Recruiting & Sourcing Brady is a Senior Executive with a 20 year history of leadership in FinTech, Payments and SaaS industries, to include multiple successful PE transactions. He has a strong track record of unlocking enterprise value through implementing growth strategies, instituting operational controls, and maximizing business efficiencies. https://youtu.be/izlL6Z3y4L0 Brady possesses the ability to quickly understand the primary drivers of a variety of businesses, diagnose problems, and think through solutions, in a context of PE/VC sponsorship. Strong communication skills, including the soft skills needed to influence and garner trust from Senior leadership teams. Dwolla is a fintech company helping innovative organizations power sophisticated account-to-account payment solutions. Dwolla's robust platform, low-code API and partnership ecosystem simplify the complex process of integrating with the various payment networks to create a single end-to-end solution. Integrating Dwolla's modern payment technology gives a business the ability to program payments in real time, on the same day or to a debit card 24/7. Listen to the full interview here: https://youtu.be/Z9ZvVtVc2DE On the Riderflex podcast, CEO Steve Urban interviews some of the most successful entrepreneurs, CEO's, and business leaders. Hear them tell the "REAL" stories of what it's like to start and lead businesses. Riderflex is a national, Colorado based, premier headhunter, RPO and employment agency; recruiting and searching the top talent for staffing teams. Colorado Recruiting Firm - https://riderflex.com/ Podcast sponsor: Marketing 360 is the #1 platform for small business and it's everything you need to grow your business. marketing360.com/riderflex #BradyHarris #FinTech #Dwolla #podcast #ColoradoRecruitingFirm #TopExecutiveRecruitingFirm #staffingagency #employmentagency #headhunter #recruitingfirm #staffingfirm #Denver #Colorado #National --- Support this podcast: https://anchor.fm/riderflex/support

Alex Taub is the co-founder of Illuminati NFT and co-founder + CEO of Upstream, a new social professional network. You can request access at Upstreamapp.com. Alex previously was the co-founder and CEO of SocialRank (acquired by Trufan). Prior to that Alex led business development and partnerships for online integrations at Dwolla, a payments startup based in Iowa. As well as for Aviary (acquired by Adobe), a NY-based startup that provides a photo editing API for web and mobile devices. Alex is active in the NY tech scene as the creator of the BD Meetup and an advisor to early-stage companies. He has been featured in Business Insider as one of the “Top 20 Under 25” in the NY tech scene. Alex writes a popular blog called Alex's Tech Thoughts, has been published in Fast Company, The New York Observer, The Next Web and VentureBeat, teaches Business Development classes, and has been quoted on many tech websites including TechCrunch, NY Post, The New York Times, Business Insider, Mashable, and PC Magazine. He was a contributor for the Forbes Entrepreneur section and advisor for Rainfall Ventures, a seed stage VC fund. Now he is the General Partner at Taub Ventures, an early stage fund to invest in startups. Alex holds a BA in Economics from Yeshiva University. He is married and lives in North Miami, Florida with his wife, two daughters, and dog. https://twitter.com/ajt (https://twitter.com/ajt) *Disclaimer. Richard Carthon is the Founder of Crypto Current. All opinions expressed by members of the Crypto Current Team, Richard or his guest on this podcast are solely their opinions and do not reflect the opinions of Crypto Current. You should not treat any opinion expressed by Richard as a specific inducement to make a particular investment or follow a particular strategy but only as an expression of his opinion. This podcast is for informational purposes only. ~ Put your Bitcoin and Ethereum to work. Earn up to 12% interest back withhttps://get.tantralabs.io/earn/?utm_source=cryptocurrent&utm_medium=display&utm_campaign=advertising-display-cryptocurrent&utm_content=lp ( Tantra Labs) ~ New to crypto? Check out ourhttps://bit.ly/394YKFw ( Crypto for Beginners) Step-by-Step Guide to Crypto Investing ~ Follow us on https://bit.ly/3CPwepn (Youtube),http://bit.ly/2TRIArp ( Twitter), http://bit.ly/38yfrqo (Instagram),http://bit.ly/39DhpHi ( Facebook),http://bit.ly/38wsXL5 ( LinkedIn), & https://bit.ly/3yQ30Es (Tik Tok) ~ Want to make ~$25+ a month for FREE? Sign up to get a FREEhttps://www.emrit.io/?referral=cryptocurrent ( emrit.io Coolspot) today!  ~ Want to learn more about cryptocurrency? Check out ourhttps://bit.ly/2CbaYzw ( educational videos) today! ~ https://bit.ly/2TF3Gtb (Swan) is the easiest and most affordable way to accumulate Bitcoin with automatic recurring purchases. Start your plan today and get $10 of free Bitcoin dropped into your account. ~ Want access to cool crypto/blockchain projects that you can use immediately? Check out ourhttps://bit.ly/3eZ8J1E ( partnerships page)!  ~ Looking to attend a cryptocurrency or blockchain event? Check out ourhttps://bit.ly/2ZVCV8f ( events page)! ~ Tune in onhttps://bit.ly/2CN9bl1 ( Crypto Current TV) throughout the week for a 24/7 crypto stream on the latest action on crypto markets, news, and interviews with the industry's top experts! ~ Enjoying our podcast? Please leave us a 5 star reviewhttp://bit.ly/2Is3iJ9 ( here!) ~ Stay up to date with the latest news in cryptocurrency by opting-in to ourhttp://bit.ly/2xmkKfQ ( newsletter)! You will receive daily emails (M-S) that are personalized and curated content specific to you and your interests, powered by artificial intelligence.  ~ We were featured as one of thehttp://bit.ly/2vRAGGl ( Top 25 Cryptocurrency Podcasts) and one of thehttp://bit.ly/33cnus9 ( 16 Best Cryptocurrency Podcasts in 2020). ~ Are you an accredited investor looking to invest in...

Dr. Brian Sovryn--the Golden Stallion--is here for another SOVRYN REWIND! SOVRYN REWIND comprises episodes from Sovryn Tech's long history that you may have missed...but you don't want to miss it now! Below are the original show notes, with some updated links and info: The very first Sovryn Tech special! And it's all about Bitcoins, baby! What are Bitcoins? Why are they interesting? What does Brian think about Bitcoins? Listen and learn! Special Guest: None How to anonymously (or, as anonymously as possible) get Bitcoins: 1. Use a VPN (www.privateinternetaccess.com is actually a VPN that accepts Bitcoins for payment). 2. Get on the internet through TOR (www.torproject.org/download/download). 3. Get a TOR-specific e-mail account (www.tormail.org). 4. Go to www.BitInstant.com and have BitInstant send the Bitcoins that you purchase to your TOR-specific e-mail address. 5. Now go to www.coinapult.com and send your Bitcoins from your TOR-specific e-mail address to any e-mail address where you want your Bitcoins to reside. That's it! APPENDIX: —Do not use Dwolla for getting Bitcoins. BREAKING! Link: codinginmysleep.com/dwolla-begins-s…-+hnycombinator) CORRECTIONS: —In this episode, Brian Sovryn stated that TradeHill was based in Canada and was shut down by regulations from the Canadian government. As a correction, TradeHill was actually not based in Canada and was not shutdown by the Canadian government. LINKS FROM THE SHOW: —www.weusecoins.com —www.bitcoin.org —www.electrum.org —www.BitInstant.com —www.blockchain.info —www.bitpay.com —www.mtgox.com —www.canadianbitcoins.com —www.instawallet.com —www.bitcoinmagazine.com —bitcoinfoundation.org/ ------------------------------------------------------------------------- Donate with BTC: 3GYKVWkVE6iAYEnExfiNfCHJkSDFYWEs43 Donate with CashApp: $sovryntech Donate with Venmo: @bsovryn You can e-mail the show at: questions@sovryntech.com ------------------------------------------------------------------------- http://sovryntech.com --- Send in a voice message: https://anchor.fm/sovryn/message Support this podcast: https://anchor.fm/sovryn/support

Payment APIs that automate payment processing bring a tremendous amount of value to businesses looking for more seamless customer experiences around payments. On this episode, our guest is Skyler Nesheim, SVP of Technology at Dwolla. Dwolla is a FinTech company that is changing the way innovative businesses move money. Since 2008, Dwolla's modern platform has powered billions in payments for millions of end users. https://www.soarpay.com/2021/12/dwolla/

In a world where digital payments are the norm, many businesses have begrudgingly accepted the high costs associated with processing credit card payments. However, alternative means of managing payments are rising in popularity. One such solution is provided by Dwolla. Founded in 2008, Dwolla was designed to make moving money simple, fast, and affordable. The company provides an API that allows companies to build and facilitate fast payments, specifically with a focus on ACH (automated clearing house). Skyler Nesheim, Senior Vice President of Technology, and Benjamin Schmitt, Vice President of Product at Dwolla, joined Disruption Talks to discuss how it all works. They explain how Dwolla's payments API works, the challenges faced in the payments industry, and Dwolla's success secrets.Hosted by Filip Sobiecki.

This one goes out to all the techies with an attitude - we're SaaSing it up this week. Ben Milne, Founder and Chairman of Dwolla, and Jordan Husney, Co-Founder and CEO of Parabol, join Amy Tom to chat about how they started their B2B SaaS companies

In this episode Dwolla CEO Brady Harris and I chat about the FinTech space and how Dwolla saves businesses a tremendous amount of money by lowering transaction fees.  We also chat about his experience working with private equity and venture capital investors and who he thinks is the smartest person in FinTech. I particularly liked his insights on leadership and today's best CEO. Before joining Dwolla, Brady was the President of Payscape, a FinTech company offering dynamic payment solutions to 50,000+ businesses with over $25 billion in payment volume.  Prior to Payscape, he was the President of Eliot Management Group, a business payments solutions provider.   I am your host RJ Lumba.  We hope you enjoy the show.

With almost 12 years of experience as President of The Veridian Group managing investment strategy for the $5.2B institutions, including investments in major fintech companies like Dwolla, Alkami Technology, and Moov Financial, Nick is a veteran in the venture capital world. And as one of the founding partners of the Red Cedar Seed Fund locally, Nick has leveraged his network and experience to source almost $1mm in early-stage seed capital to support the growth of Cedar Valley-based startups. Now Nick is embarking on a new role as President and CEO of Curql Collective, a newly formed, $150m fintech investment fund that is bringing together venture capital and credit unions to invest in the visions of entrepreneurs who thoughtfully and purposefully develop financial services technology that revolutionizes how people engage with their money. We sit down and talk about the trends in fintech, the landscape of venture capital around it, and what new opportunities they're taking on at Curql – plus some love for the local startup scene in the Cedar Valley.

Fast payments will move the US payments market. But to get there, we need fintech to expose those capabilities. Zelle, the RTP Network, Same Day ACH, push to card, and eventually FedNow all need providers that connect up to those rails. For an enterprise or its software developers, a single integration to all sure would be easier. In this Payments on Fire® episode featuring Dwolla, you'll hear: A practitioner's view of how ACH and RTP differ and are being used? Why B2B digital payments are growing and what you need to know what's enabling that growth Learn what a provider must do to bring multiple payment systems to its enterprise customers. It isn't simple Take a listen to this conversation with Dwolla's Brady Harris and Adam Steenhard as they talk about realtime access to fast payments (and more) with Glenbrook's Elizabeth McQuerry and George Peabody. Come to the Payments on Fire® website for: Expanded show notes Video Podcast transcript The complete Payments on Fire® episode catalog The Glenbrook Education schedule

Brady Harris, the CEO of Dwolla is our special guest this week on episode 99 of the Leaders in Payments podcast. Brady grew up in Salt Lake City Utah.  After high school he went into payments in Portland and Seattle. He also spent some time in Atlanta and now is at the Dwolla headquarters in Des Moines, Iowa.   Dwolla was originally a P2P product but about 5 years ago started to focus on B2B payments. Today they provide ACH transaction processing through an API to businesses and also power functionality for many other Fintechs. They recently launched real-time payments and are looking into things like FX and crytpo.   This year they are trending towards $40B in gross payment volume with approximately 100 employees.    Brady has a passion for giving people the opportunity to grow and flourish in their careers. He also thinks people coming into payments or fintech should start with a sales job which Brady says a sometimes controversial viewpoint. 

If you have any U.S. currency in your wallet right now, there's a good chance that you have the signature of today's guest in the lower left corner of the bills. In the first segment, JP hosts Rosie Rios who was the 43rd Treasurer of the United States, serving during the darkest days of the financial crisis. They talk about “Unicorn Hunters”, her business reality show that is on a mission to democratize access to wealth and why visibility and value are the keys to making this happen. After the break, Jason Mikula joins me from his fintech perch in Amsterdam to talk about fees, the future of fintech business models and my dim future in rapping.This episode is also brought to you by FintechDevcon. In the fintech world, developers often feel overlooked. With hundreds of conferences in the fintech space, there's never been a place dedicated to the brilliant minds building fintech. That is, until now, Fintech Devcon, the first-ever fintech conference for developers, by developers. Join renowned developers from companies like CashApp, Plaid, VISA, Dwolla, Chime, and more in Denver, Colorado, September 8th & 9th. Attendees will experience hands-on workshops, hear technical talks, and actually get to rub elbows with the best and brightest fintech developers. That's Fintech Devcon. Tickets go on sale June 30th. Discounts available for students and pre-series A startups. Visit fintechdevcon.io for more information. https://youtu.be/-gXgh7VRd2g

Necessity is the mother of invention. We’ve all heard it, but the past year has proven it — we are finding new ways to work, to socialize, to educate, to shop and to pay. And when it comes to Fintech, crisis is the mother of innovation. In this episode, Cara speaks with Brady Harris, CEO, and Adam Steenhard, Senior Director of Corporate Strategy, at Dwolla, about how they are helping to revolutionize the payments space and why the pandemic is a boon for Fintech more broadly. They discuss: - Why payments has grown since the advent of COVID - The importance of simple integration in Fintech - Why partners are more valuable now than ever before To ensure that you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, Spotify, or here and don’t forget to check out our YouTube! Until next time! Listening on a desktop & can’t see the links? Just search for Payments Innovation in your favorite podcast player.

My guest this week is Brady Harris, CEO at Dwolla. Dwolla is a leading business to business payments platform. We cover Brady stepping in as CEO, what the future holds for Dwolla, and payments payments payments! Helpful Links: https://www.dwolla.com/ (Dwolla Website) https://twitter.com/dwolla (Dwolla on Twitter) https://www.linkedin.com/in/brady-harris/ (Brady on Linkedin) Go to www.forfintechsake.com for helpful links and more information.

Anne Driscoll and Chris Schultz are co-founders of an organization called Launch Pad. Anne serves as CEO and Chris is the Chief Community Officer and they are a married couple. Launch Pad was started in New Orleans following the devastation of Hurricane Katrina. Anne was a long-time Silicon Valley Executive. She was an early Google employee and post-Google she has taken her expertise to the Valley’s high-growth startup scene, championing emerging ecosystems and creating platforms to support small businesses such as Ning, Dwolla and GoDaddy. Chris was born in Nigeria to American parents (working in the Peace Corps) and he was inspired by the hustle, grind, and entrepreneurship he saw daily at the Nigerian marketplaces of his youth. He’s an active angel investor and has spent 15+ years bringing together the “doers” of the world—startups that have raised over $160 million in venture capital and created 5,000+ jobs.In this episode, Stew talks with Anne and Chris about how and why they started Launch Pad, the communities it serves, what they’ve had to do to pivot their business during the pandemic, what it takes for a married couple to run a company together, how their philosophy of investing in long-term relationships in growing their business affects their relationship beyond work, and more. Here then is an invitation, a challenge, for you, once you’ve listened to the conversation, especially the part about how Anne and Chris like to “go long,” as they say. How might you take a longer-term view than you now have on a business relationship that matters to you and how by doing so would you benefit? Share your ideas and any reactions to this episode by writing to Stew at friedman@wharton.upenn.edu or via LinkedIn. See acast.com/privacy for privacy and opt-out information.

We can look around at distributed banking, crypto-currencies, Special Purpose Acquisition Companies, and so many other innovative business strategies as new and exciting and innovative. And they are. But paving the way for them was simplifying online payments to what I've heard Elon Musk call just some rows in a database.  Peter Thiel, Max Levchin, and former Netscaper Luke Nosek had this idea in 1998. Levchin and Nosek has worked together on a startup called SponsorNet New Media while at the University of Illinois Champagne-Urbana where PLATO and Mosaic had come out of. And SponsorNet was supposed to sell online banner ads but would instead be one of four failed startups before zeroing in on this new thing, where they would enable digital payments for businesses and make it simple for consumers to buy things online. They called the company Confinity and setup shop in beautiful Mountain View, California. It was an era when a number of organizations were doing things in taking payments online that weren't so great. Companies would cache credit card numbers on sites, many had weak security, and the rush to sell everything  in the bubble forming around dot-coms fueled a knack for speed over security, privacy, or even reliability.  Confinity would store the private information in its own banking vaults, keep it secure, and provide access to vendors - taking a small charge per-transaction. Where large companies had been able to build systems to take online payments, now small businesses and emerging online stores could compete with the big boys. Thiel and Levchin had hit on something when they launched a service called PayPal, to provide a digital wallet and enable online transactions. They even accepted venture funding, taking $3 million from banks like Deutsche Bank over Palm Pilots. One of those funders was Nokia, investing in PayPal expanding into digital services for the growing mobile commerce market. And by 2000 they were up to 1,000,000 users.  They saw an opening to make a purchase from a browser on a phone or a browser or app on a cell phone using one of those new smart phone ideas. And they were all rewarded with over 10 million people using the site in just three short years, processing a whopping $3 billion in transactions.  Now this was the heart of the dot-com bubble. In that time, Elon Musk managed to sell his early startup Zip2, which made city guides on the early internet, to Compaq for around $300 million, pocketing $22 million for himself. He parlayed that payday into X.com, another online payment company. X.com exploded to over 200,000 customers quickly and as happens frequently with rapid acceleration, a young Musk found himself with a new boss - Bill Harris, the former CEO of Intuit.  And they helped invent many of the ways we do business online at that time. One of my favorite of Levchin's contributions to computing, the Gausebeck-Levchin test, is one of the earliest implementations of what we now call CAPTCHA - you know when you're shown a series of letters and asked to type them in to eliminate bots.  Harris helped the investors de-risk by merging with Confinity to form X.com. Peter Thiel and Elon Musk are larger than life minds in Silicon Valley. The two were substantially different. Musk took on the CEO role but Musk and Thiel were at heads. Thiel believed in a Linux ecosystem and Musk believed in a Windows ecosystem. Thiel wanted to focus on money transfers, similar to the PayPal of today. Given that those were just rows in a database, it was natural that that kind of business would become a red ocean and indeed today there are dozens of organizations focused on it. But Paypal remains the largest. So Musk also wanted to become a full online banking system - much more ambitious. Ultimately Thiel won and assumed the title of CEO.  They remained a money transmitter and not a full bank. This means they keep funds that have been sent and not picked up, in an interest bearing account at a bank.  They renamed the company to PayPal in 2001 and focused on taking the company public, with an IPO as PYPL in 2002. The stock shot up 50% in the first day of trading, closing at $20 per share. Yet another example of the survivors of the dot com bubble increasing the magnitude of valuations. By then, most eBay transactions accepted PayPal and seeing an opportunity, eBay acquired PayPal for $1.5 billion later in 2002. Suddenly PayPal was the default option for closed auctions and would continue their meteoric rise. Musk is widely reported to have made almost $200 million when eBay bought PayPal and Thiel is reported to have made over $50 million.  Under eBay, PayPal would grow and as with most companies that IPO, see a red ocean form in their space. But they brought in people like Ken Howery, who serve as the VP of corporate development, would later cofound investment firm Founders Fund with Thiel, and then become the US Ambassador to Sweden under Trump. And he's the first of what's called the PayPal Mafia, a couple dozen extremely influential personalities in tech.  By 2003, PayPal had become the largest payment processor for gambling websites. Yet they walked away from that business to avoid some of the complicated regulations until various countries that could verify a license for online gambling venues.  In 2006 they added security keys and moved to sending codes to phones for a second factor of security validation. In 2008 they bought Fraud Sciences to gain access to better online risk management tools and Bill Me Later. As the company grew, they setup a company in the UK and began doing business internationally. They moved their EU presence to Luxembourg 2007. They've often found themselves embroiled in politics, blocking the any political financing accounts, Alex Jones show InfoWars, and one of the more challenging for them, WikiLeaks in 2010. This led to them being attacked by members of Anonymous for a series of denial of service attacks that brought the PayPal site down. OK, so that early CAPTCHA was just one way PayPal was keeping us secure. It turns out that moving money is complicated, even the $3 you paid for that special Golden Girls t-shirt you bought for a steal on eBay. For example, US States require reporting certain transactions, some countries require actual government approval to move money internationally, some require a data center in the country, like Turkey. So on a case-by-case basis PayPal has had to decide if it's worth it to increase the complexity of the code and spend precious development cycles to support a given country. In some cases, they can step in and, for example, connect the Baidu wallet to PayPal merchants in support of connecting China to PayPal.  They were spun back out of eBay in 2014 and acquired Xoom for $1 billion in 2015, iZettle for $2.2 billion, who also does point of sales systems. And surprisingly they bought online coupon aggregator Honey for $4B in 2019. But their best acquisition to many would be tiny app payment processor Venmo for $26 million. I say this because a friend claimed they prefer that to PayPal because they like the “little guy.” Out of nowhere, just a little more than 20 years ago, the founders of PayPal and they and a number of their initial employees willed a now Fortune 500 company into existence. While they were growing, they had to learn about and understand so many capital markets and regulations. This sometimes showed them how they could better invest money. And many of those early employees went on to have substantial impacts in technology. That brain drain helped fuel the Web 2.0 companies that rose.  One of the most substantial ways was with the investment activities. Thiel would go on to put $10 million of his money into Clarium Capital Management, a hedge fund, and Palantir, a big data AI company with a focus on the intelligence industry, who now has a $45 billion market cap. And he funded another organization who doesn't at all use our big private data for anything, called Facebook. He put half a million into Facebook as an angel investor - an investment that has paid back billions. He's also launched the Founders Fund, Valar Venture, and is a partner at Y Combinator, in capacities where he's funded everyone from LinkedIn and Airbnb to Stripe to Yelp to Spotify, to SpaceX to Asana and the list goes on and on and on.  Musk has helped take so many industries online. Why not just apply that startup modality to space - so launched SpaceX and to cars, so helped launch (and backed financially) Tesla and solar power, so launched Solar City and building tunnels so launched The Boring Company. He dabbles in Hyperloops (thus the need for tunnels) and OpenAI and well, whatever he wants. He's even done cameos in movies like Iron Man. He's certainly a personality.  Max Levchin would remain the CTO and then co-found and become the CEO of Affirm, a public fintech company.  David Sacks was the COO at PayPal and founded Yammer. Roelof Botha is the former CFO at PayPal who became a partner at Sequoia Capital, one of the top venture capital firms. Yishan Wong was an engineering manager at PayPal who became the CEO of Reddit. Steve Chen left to join Facebook but hooked back up with Jawed Karim for a new project, who he studied computer science at the University of Illinois at Champaign-Urbana with. They were joined by Chad Hurley, who had created the original PayPal logo, to found YouTube. They sold it to Google for $1.65 billion in 2006. Hurley now owns part of the Golden State Warriors, the MLS Los Angeles team, and Leeds United. Reid Hoffman was another COO at PayPal, who Thiel termed the “firefighter-in-chief” and left to found LinkedIn. After selling LinkedIn to Microsoft for over $26 billion he become a partner at venture capital firm, Greylock Partners.  Jeremy Stoppelman and Russel Simmons co-founded Yelp with $1 million in funding from Max Levchin, taking the company public in 2011. And the list goes on. PayPal paved the way for small transactions on the Internet. A playbook repeated in different parts of the sector by the likes of Square, Stripe, Dwolla, Due, and many others - including Apple Pay, Amazon Payments, and Google Wallet. We live in an era now, where practically every industry has been taken online. Heck, even cars. In the next episode we'll look at just that, exploring the next steps in Elon Musk's career after leaving PayPal. 

I'm really excited about this week’s episode as we have Alex Taub, CEO of Upstream on the show. I’ve recently had a chance to connect with Alex after he and his family moved to Miami in the this past find him to be one of the most thoughtful, approachable, and knowledge people in the tech scene.Before coming to Miami, Alex was a fixture in the NY tech community working at companies such as Aviary and Dwolla before then going off to start his own company SocialRank. After SocialRank was acquired, he’s back at it again with a new company called Upstream, which is an incredible platform that is changing the way people connect and build professional communities. On this episode Alex and I talk about a variety of topics including his background, what led to him creating Upstream, his plans for the future, how he thinks about building community, his biggest lessons learned, and much much more.Check out Upstream: https://upstreamapp.com/Find Alex on Twitter: https://twitter.com/ajt

This week on The Data Stack Show, Kostas and Eric chat with Daniel Jeffords, CTO and co-founder of Earnnest, a financial tool for the real estate industry. Earnnest's digital platform allows buyers to securely and electronically deposit funds directly to an escrow holder and keeps agents, buyers, and escrow holders in the loop with automated emails and tracking information.Highlights from this week's episode include:Earnnest's approach to the way payments are handled in an antiquated real estate industry (2:12)Clearing up the differences in the way money changes hands, ACH, wire, and checks (12:39)How Earnnest works and who are the involved parties (21:06)Disrupting a highly regulated industry (24:24)Emphasizing security and transparency (30:09)Erlang, Elixir, Dwolla and more. How Earnnest uses data (33:40)Trying very hard to store very little data (42:58)The Data Stack Show is a weekly podcast powered by RudderStack. Each week we'll talk to data engineers, analysts, and data scientists about their experience around building and maintaining data infrastructure, delivering data and data products, and driving better outcomes across their businesses with data.RudderStack helps businesses make the most out of their customer data while ensuring data privacy and security. To learn more about RudderStack visit rudderstack.com.

On this episode, Josh talks with Brady Harris, CEO of Dwolla a FinTech company. They talk about payment systems and what types of modalities may be best for certain types of business.

Interview with Brady Harris, CEO of Dwolla

Brady Harris, CEO of Dwolla has access to millions of money and financial transfer data points in many different applications, so I asked what trends he's seeing and how these tie to economic conditions. Also, he explains an amazing leadership lesson he applied to Dwolla's staff. 1:41 - The constant struggle marketing and comms teams have with content strategy. 12:23 - Brady Harris, CEO of Dwolla explains money global moving trends and we discuss how this ties to the economy. 48:25 - WHY? Grocery store check-out line edition. 51:19 - Covid parties... aren't real. But why did they gain so much attention? Show Notes Page: https://justinkbrady.com/notes/7-22-2020/

Never one to shy away from a challenge, Ben Milne is an insanely curious person who loves to solve problems. In episode three, John T. Meyer calls Ben Milne to discuss the origin of his fintech startup, Dwolla, how he decided to reinvent the business, and when he knew it was time to replace himself as CEO of his own company. Ben is a person who cares deeply and that is very clear when you listen to this episode.

Imagine you're a CEO on your first day on the job — and it's the early days of the coronavirus crisis. That was the situation Brady Harris found himself in when he took the top job at Dwolla, a payment company that we have covered for many years.

Sandy Kemper is Chairman of the Board and CEO of C2FO, the largest working capital market in the world.  C2FO is the first working capital market in the world. Their ability to create a seamless match between A/R and A/P has enabled efficiency in the riskless provisioning of working capital between suppliers and buyers, allowing suppliers to take control of their cash flow. C2FO believes Working capital is water for commerce and it’s as important to business life as water is to biological life.  Risk underwriting of working capital is a relic of the world’s broken credit system and that everyone’s A/P is someone else’s A/R.  Efficient markets are good for business and a marketplace solution for the distribution of working capital has the potential to open the floodgates of liquidity for hundreds of millions of businesses around the world.   Kemper is an active angel and venture investor and currently serves on the corporate boards of C2FO, UMB Financial, UMB Bank, NIC and Dwolla. He previously served on the board of AXA Art and the regulatory boards of BATS and CBOE   Kemper and his family are active in academic, civic and philanthropic endeavors and Kemper serves on the board of the Agriculture Future of America (AFA), a non-profit scholarship and leadership development organization which he co-founded. Kemper is a Trustee of the Kemper Family Foundations and a Trustee of the Kemper Museum of Art. Kemper co-founded YEPKC, an organization devoted to developing young entrepreneurs. In 2017, the Henry W. Bloch School of Management named Sandy and Christine Kemper its Regional Entrepreneurs of the Year.

Welcome to the Tearsheet Podcast. I’m Zack Miller. Dwolla’s new CEO Brady Harris joins me on the podcast. He’s been in the payments industry long enough to see the real opportunity for B2B payment players and how the space has evolved over time. We talk about ACH, the role it plays in payments ecosystem, and where it might be headed. Use cases are expanding and Harris describes how different firms and industries are using it to advance their payments experiences. We talk about Dwolla and where the company can continue to find growth. Brady Harris is my guest today on the Tearsheet Podcast.

Glen talks with Dwolla's new CEO Brady Harris about scaling a fintech survivor and taking the reins from a founder. Also, onetime White House insider Bryan Del Monte shares some provocative thoughts about what we're getting wrong (and right) on the Paycheck Protection Program.

When your toaster and your TV are programmable, doesn't it make sense that your payments should be programmable, too?  Card payments often settle on ACH, but accessing the ACH Network for electronic payments is tough. It can take years to figure out accounting, corrections, automating returns, identity verification, and reconciliation.  What if those technical gaps were fixed? What if there were a simpler system? Would businesses use it? The gaps have been fixed, a simplified solution has been created, and businesses are using it.  That solution is called Dwolla, and we had a conversation with the company's founder, Ben Milne, on this episode of the Payments Innovation podcast.  To ensure that you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, or Spotify, or here.  Until next time!

Ben Milne grew up in a small town, and has had a pretty normal life. Raising a family, riding a stationary bike and funding startups through selling music gear, he has been in the tech world for a good while. His second startup started as a consumer product that you downloaded to move money between banks... without using credit cards or paying hefty fees. What he discovered was the thing they were best at was payment processing infrastructure... So he changed his business to focus on being a high performing, white label solution for enabling others to process ACH payments - and started phase two of his company, known as Dwolla.

Updates to the plan and progress

Review of the Dwolla Sandbox feature and announcement of a Facebook page - Lunch Break Business

Payment platform Dwolla's head of strategic projects, Jordan Lampe, talks about realtime payments in this episode of Fintech Unfiltered podcast. Lampe explains how banks can use this transactional data to tailor exiting products and services, but also create new ones based on the realtime information exchange taking place during the transaction.

Payment platform Dwolla's head of strategic projects, Jordan Lampe, talks about realtime payments in this episode of Fintech Unfiltered podcast. Lampe explains how banks can use this transactional data to tailor exiting products and services, but also create new ones based on the realtime information exchange taking place during the transaction.

Skyler Nesheim is the VP of Engineering at Dwolla, a fast-growth FinTech scale-up. They’ve raised over $50M in venture dollars to connect enterprises to the US banking system. The Dwolla team has built one of the most disruptive products in the enterprise FinTech space, all from Des Moines, Iowa.In this episode, we talk about how to build a microservice architecture as we scale, how to incorporate customer feedback into our product vision, and why we’re not Google… and that’s a good thing.For notes and a full transcription of the episode, visit (woventeams.com/26).Special Guest: Skyler Nesheim.

An interview with Ben Milne (Dwolla) and Harper Reed (Serial Entrepreneur + CTO @ Obama Campaign).

Ben Milne, Founder of Dwolla, discusses the company's new event Monetery and shares his lessons learned to find success in the startup world.

Our guest this episode is Ben Milne, the founder and CEO of the startup Dwolla. Ben Milne grew up in Cedar Falls, Iowa and has been running his own business his entire working career. While running his first business, he noticed how much money he was paying out in credit card fees, so he started a new company to fix that problem. That idea for improving the way money flows would become Dwolla.   twitter.com/drivecapital drivecapital.com    

Travis Ensley of Dwolla shares how his military background taught him skills that go beyond a resume, and how he applies these skills in his work.

Chris Schultz CEO of Launch Pad - Chris Schultz is a seasoned expert in high growth startups and expansion. He's an active angel investor, and has spent 15+ years bringing together the “doers” of the world -- startups that have raised hundreds of millions in capital and created 5,000+ jobs. He founded Launch Pad, a startup workspace and community for entrepreneurs, creatives and professionals in New Orleans in 2009, and over the past year he has guided the expansion to new markets in Newark, Memphis, and Nashville. Anne Driscoll, Co-founder, President & COO of Launch Pad - Anne Driscoll is a long-time Silicon Valley Exec and former Googler turned passionate startup advocate. Post Google, Anne took her expertise to the Valley's high-growth startup scene focussing on championing emerging ecosystems and creating platforms to support small businesses like Ning, Dwolla and GoDaddy. In 2017 Anne took on the role of President and COO of Launch Pad to support the expansion and increase programming and services for Launch Pad members. “as entrepreneurs I think it's really important for you to be honest with yourself and identify what your strengths are and what your weaknesses are. And it's okay to know that you aren't going to be great at everything, that's just not a possibility. So it's really important I think for you to be successful, to know what areas of expertise you need to draw from other places. You need to be confident in the decisions that you make but you can find partners or mentors or resources or employees to help you fill in those blind spots that you may have in your business or in your own skill set”…[Listen for More] Click Here for Show Notes To Listen or to Get the Show Notes go to https://wp.me/p6Tf4b-6Ww

The very first Sovryn Tech special! And it’s all about Bitcoins, baby! What are Bitcoins? Why are they interesting? What does Brian think about Bitcoins? Listen and learn! Special Guest: None How to anonymously (or, as anonymously as possible) get Bitcoins:1. Use a VPN (www.privateinternetaccess.com is actually a VPN that accepts Bitcoins for payment).2. Get on the internet through TOR (www.torproject.org/download/download).3. Get a TOR-specific e-mail account (www.tormail.org).4. Go to www.BitInstant.com and have BitInstant send the Bitcoins that you purchase to your TOR-specific e-mail address.5. Now go to www.coinapult.com and send your Bitcoins from your TOR-specific e-mail address to any e-mail address where you want your Bitcoins to reside. That’s it! APPENDIX:—Do not use Dwolla for getting Bitcoins. BREAKING! Link: codinginmysleep.com/dwolla-begins-s…-+hnycombinator) CORRECTIONS:—In this episode, Brian Sovryn stated that TradeHill was based in Canada and was shut down by regulations from the Canadian government. As a correction, TradeHill was actually not based in Canada and was not shutdown by the Canadian government. LINKS FROM THE SHOW:—www.weusecoins.com—www.bitcoin.org—www.electrum.org—www.BitInstant.com—www.blockchain.info—www.bitpay.com—www.mtgox.com—www.canadianbitcoins.com—www.instawallet.com—www.bitcoinmagazine.com—bitcoinfoundation.org/ Don't forget you can also visit the Sovryn Tech Soundcloud page (@sovryntech) where you can comment directly onto the podcast as it plays, and listen and download the entire Sovryn Tech show library! Also don't forget you can e-mail the show at: sovryntech@hush.ai sovryntech.tumblr.comwww.youtube.com/user/sovryntechwww.facebook.com/SovrynTech

The very first Sovryn Tech special! And it’s all about Bitcoins, baby! What are Bitcoins? Why are they interesting? What does Brian think about Bitcoins? Listen and learn! Special Guest: None How to anonymously (or, as anonymously as possible) get Bitcoins:1. Use a VPN (www.privateinternetaccess.com is actually a VPN that accepts Bitcoins for payment).2. Get on the internet through TOR (www.torproject.org/download/download).3. Get a TOR-specific e-mail account (www.tormail.org).4. Go to www.BitInstant.com and have BitInstant send the Bitcoins that you purchase to your TOR-specific e-mail address.5. Now go to www.coinapult.com and send your Bitcoins from your TOR-specific e-mail address to any e-mail address where you want your Bitcoins to reside. That’s it! APPENDIX:—Do not use Dwolla for getting Bitcoins. BREAKING! Link: codinginmysleep.com/dwolla-begins-s…-+hnycombinator) CORRECTIONS:—In this episode, Brian Sovryn stated that TradeHill was based in Canada and was shut down by regulations from the Canadian government. As a correction, TradeHill was actually not based in Canada and was not shutdown by the Canadian government. LINKS FROM THE SHOW:—www.weusecoins.com—www.bitcoin.org—www.electrum.org—www.BitInstant.com—www.blockchain.info—www.bitpay.com—www.mtgox.com—www.canadianbitcoins.com—www.instawallet.com—www.bitcoinmagazine.com—bitcoinfoundation.org/ Don't forget you can also visit the Sovryn Tech Soundcloud page (@sovryntech) where you can comment directly onto the podcast as it plays, and listen and download the entire Sovryn Tech show library! Also don't forget you can e-mail the show at: sovryntech@hush.ai sovryntech.tumblr.comwww.youtube.com/user/sovryntechwww.facebook.com/SovrynTech

sources of stories from today: https://www.one-tab.com/page/WClZbxtATkGw6NWlaImU4g ↓↓↓timestamps↓↓↓ 1:01 - Free Trezor and Bitcoin winner 3:48 - Five Nations Launch Tax Enforcement Alliance to Tackle Crypto, Cybercrime 'Threat' 10:49 - Media: BitMEX Crypto Exchange Co-Founder Becomes Britain's ‘Youngest' Bitcoin Billionaire 12:53 - Favorite stories from the past 100 episodes 17:46 - Sinclair Skinner interview 19:49 - (AMA) Will you be doing any partnerships with banks in Jamaica in the future? 21:44 - (AMA) What's your crypto-origin story? 26:17 - (AMA) How could someone invest in your company (Bitmari) 30:14 - (AMA) For the future projects that you'll have how are you looking at using $NEO? 34:59 - (AMA) When someone buys a smart contract on your site for $1600, what do they get? 38:49 - What do you think about the Mojaloop (partnership between Dwolla and the Gates Foundation) and its role in Zimbabwe? 41:59 - What do you think about Akoin (Akon's recently launched cryptocurrency)? 43:15 - Black Blockchain Summit/Conference (blackblockchainsummit.com) Connect with us online at the following places: KRBE Digital Assets Group Website: https://krbecrypto.com/ Shop: https://shopkrbecrypto.com/ Newsletter: https://krbecrypto.com/join/ Services: https://krbecrypto.com/services/ About Us: https://krbecrypto.com/about/ KRBE Steemit: https://steemit.com/@krbecrypto SOCIAL  KRBE Twitter: https://twitter.com/krbecrypto KRBE Facebook: https://www.facebook.com/krbecrypto/ KRBE Instagram: https://www.instagram.com/krbecrypto/ King Twitter: https://twitter.com/KingBlessDotCom Bitcoin Zay Twitter: https://twitter.com/bitcoinzay   Donations welcome, but not necessary! Bitcoin: 1NTnWaGowHEh9VRWMXWTiqWpQT9vjP5Ukd Litecoin: LSc2bEAMEbGSHKx54GUt4xi1eZQqtscv8i   INTRO MUSIC: Freddie's Dead - Curtis Mayfield OUTRO MUSIC:  Lions - Leon Bridges   Thanks for listening and remember to subscribe for daily content where we give away free Bitcoin!   ***Not a whole Bitcoin, a few dollars USD worth*** ------------------------------------------------------------------------------------------------------------ **This is not financial advice. The expressed opinions in the video are of the speakers. You can lose all your money in the cryptocurrency market, so be sure to do your own research before investing.**

Payment platform Dwolla's head of strategic projects, Jordan Lampe, talks about realtime payments in this episode of Fintech Unfiltered podcast. Lampe explains how banks can use this transactional data to tailor exiting products and services, but also create new ones based on the realtime information exchange taking place during the transaction.

Founder and CEO Ben Milne launched Dwolla in 2010. Its customer-facing technology meant it soon got a high public profile as it worked from its Downtown Des Moines (DSM) location moving millions of dollars a day.

This week Faisal Khan interviews Jordan Lampe who is the Head of Strategic Projects at Dwolla. Dwolla is payments related financial services company in Des Monies, Iowa. Dwolla also is one of the members of the Federal Reserve Task Force on Faster Payments initiative. We had interviewed Jordan earlier on this (See Episode 113). Reconnecting again with Jordan, we ask him on the Faster Payment Task Force Reports that come out (two of them actually): Final Report Part One: The Faster Payments Task Force Approach & Final Report Part Two: A Call To Action. Both these reports were published in July 2017.

Sometimes a change in direction is the way forward. Network aspirant Dwolla has recently pivoted its work toward the product and development teams inside financial institutions. Instead of being a system operator, Dwolla now offers a broad set of APIs designed for those FIs to take advantage of the ACH’s overnight and Same Day ACH services. Dwolla’s shift also comes as the company and the US anticipates the impact of new immediate funds transfer systems Zelle, The Clearing House, and likely others. Take a listen to this conversation with Jordan Lampe, Dwolla’s Director of Communications and Policy Affairs, and Glenbrook's George Peabody as they discuss the Federal Reserve Faster Payments Payments Task Force Steering Committee, use cases for Same Day ACH, and more.

Ian just bought a MacBook on eBay, and now the seller has disappeared with his money. Chase just sold his car to a guy he met on Craigslist, but not after some shady meet-ups. These tools have been around for years, and regardless of how questionable they may be at times, people love them or people hate them. If only there were a more centralized place that held us all accountable for buying and selling things - like a store, but on the internet. Amazon Prime (30 Day Free Trial) Sending money via Facebook Messenger Square Cash Dwolla

Today, 23rd of September 2016 is a historic day in the Untied States in many ways. 40 years in the making, today marks the first day of what is being called Same Day ACH or SDA. Whilst it isn't instant settlement, it is progress nonetheless. I'm very pleased to have on our show Jordan Lampe who is the VP of Policy & Communication at Dwolla. Dwolla is payments related financial services company in Des Monies, Iowa. Dwolla also is one of the members of the Federal Reserve Task Force on Faster Payments initiative. The company already has a real-time mechanism for faster payments, aptly titled Fisync (as in Financial Sync) that enables real-time payment settlement amongst member banks.

Ben Milne is the founder and CEO of Dwolla, a payments startup building the ideal way to move money, as quickly and safely as possible. Under Ben, the Des Moines-based company has raised over $32 million from investors, like Andreessen Horowitz and Union Square Ventures, and has been recognized by Fast Company as one of the world’s “50 Most Innovative Companies of 2014”. Ben has been named as one of Forbes’ “Disrupters of the Year” and has appeared on Inc. Magazine’s in its annual 30 under 30 collection, Bloomberg TV, and The TODAY Show. In 2013, he was recognized for his work by MIT Technology Review’s in its annual “Innovators Under 35” list. Listen to episode here.  [[ This is a content summary only. Visit my website for full links, other content, and more! ]]

Mixed martial arts' premier promoter may be on the block for as much as $4 billion, putting it in some pricey company. Live sports events are what TV and cable viewers most want to see, though, and therein lies a lesson for the likes of fading ESPN and parent Disney. Uber drivers, meanwhile, scored a win in New York, where the ride hailing service blessed their affiliation with a labor union that could help them negotiate better benefits. And in California, legal documents revealed how much Uber might have owed drivers if they had won their lawsuit to be treated as employees. The numbers make a $100 million settlement look like peanuts. Finally, alternative lenders may face more regulation in the wake of a kerfuffle at Lending Club that cost the company's boss his job. Fortunately for them, Washington watchdogs can't seem to do much more than study the issue. See acast.com/privacy for privacy and opt-out information.

In this episode...   The FTC is getting into providing guidance on password changes Well OK, this isn't really guidance, it's just a blog But - does this mean that the FTC is getting into technical guidance? https://www.ftc.gov/news-events/blogs/techftc/2016/03/time-rethink-mandatory-password-changes   Dwolla hit by CFPB and fined $100,000 Who is the CFPB (Consumer Finance Protection Bureau)? This opening sentence is crucial: "The Consumer Financial Protection Bureau (Bureau) has reviewed certain acts and practices of Dwolla, Inc. (Respondent, as defined below) and has identified the following law violations: deceptive acts and practices relating to false representations regarding Respondent’s data-security practices in violation of Sections 1031(a) and 1036(a)(1) of the Consumer Financial Protection Act of 2010 (CFPA), 12 U.S.C. §§ 5531(a), 5536(a)(1)" http://files.consumerfinance.gov/f/201603_cfpb_consent-order-dwolla-inc.pdf http://blog.dwolla.com/we-are-never-done/   FTC To Study Credit Card Industry Data Security Auditing The FTC is asking for specific information from a specific number of companies (9 of them in total) Studying "how companies and their assessors interact" - is that code for something? Interesting to see what the FTC will do with this? https://www.ftc.gov/news-events/press-releases/2016/03/ftc-study-credit-card-industry-data-security-auditing   Bengladesh bank hackers steal ~$100M There is definitely more to this story Lots of finger-pointing, failed/unknown processes in SWIFT clearinghouse Was this account compromise? System compromise? An insider threat? All of the above? http://www.bankinfosecurity.com/bangladesh-bank-hackers-steal-100-million-a-8958

章节（时:分:秒）： 00:00:00 前戏 00:14:00 开场，《IT 公论》会员计划 00:15:25 更正启事 00:16:34 Louis CK 网上卖剧（无 DRM） 00:22:51 Panic 的 2015 年度报告 00:36:02 Jonathan Blow 的新游戏《The Witness》 00:42:28 苹果加入 VR 战场 01:06:03 《壁下观》线下活动对 VR 的启示 01:30:00 尾声 本期会员通讯将于稍后发至各位会员邮箱。每月三十元，支持不鸟万如一和 Rio 把《IT 公论》做成最好的科技播客。请访问 itgonglun.com/member。若您无意入会，但喜欢某一期节目，也欢迎用支付宝或 PayPal 支付小费至 hi@itgonglun.com，支付宝用户亦可扫描下方二维码： 我们推荐您使用泛用型播客客户端订阅收听《IT 公论》，但您也可以在喜马拉雅、荔枝 FM 或网易云音乐收听。 相关链接 《IT 公论》博客 IPN 播客网络 Telegram 听众群列表 不鳥萬通讯 港文集 叶朗程：半岛歧遇 Louis CK Mike Hearn: The resolution of the Bitcoin experiment 《纽约时报》：A Bitcoin Believer’s Crisis of Faith Dwolla Panic Panic 的 2015 年度报告 Above Avalon: The Two Apples The Witness Kingdom The Paris Review Thomas Pynchon: Gravity’s Rainbow The Last Guardian Land’s End Low poly MIT Museum 展示的 PHANToM Google Jump Joshua Topolsky: The End of Twitter 关于《壁下观》第一次线下活动的记录 Search tree IPN 播客网络常见问题解答 人物简介 不鳥萬如一：字节社创始人 Rio: Apple4us 程序员

Sending money in real-time is a capability that is growing around the world. “All bank” systems in the UK and Mexico are thriving. Mobile money services like M-Pesa are changing economies and individual lives in developing countries. But in the US, “things are complicated.” We have a crowded landscape in the US without, as in many global markets, a clear mandate from a regulator. In this Payments on Fire podcast, Glenbrook’s Carol Coye Benson and Dwolla’s Jordan Lampe join George Peabody for a discussion on the evolution of Faster Payments in the US, directories, bill pay, and the challenges of interoperability. And best wishes for a relaxing and happy Thanksgiving! 

  Hot Topics in Tech: U.S. trader found guilty in landmark "spoofing" case. U.S. regulator signals bid to curb high-speed trading. Exchanges face pressure to disclose high-speed trader perks. CME experiments with real-time margin payments, unveiled a deal with Dwolla. CBOE expands EMS connectivity between traders and workstations. Orc Group merges with CameronTec to jointly foster trading solutions. The Inbox: Listener questions and comments Question from Angelo Myers - Loved the deep dive into FPGAs last episode. I am a hardware wonk. What other hardware developments do you feel have been crucial to the trading landscape? Options or just general financial? Question from JimWow - Hello team! Can you please explain what a complex order book is and how it works? Question from Bill Williams - Lots of talk about putting a speed bump into the market to stop or slow down HFT jerks. Thoughts? Will it work or will the Cybermen just figure out a way around it?

Hot Topics in Tech: U.S. trader found guilty in landmark "spoofing" case. U.S. regulator signals bid to curb high-speed trading. Exchanges face pressure to disclose high-speed trader perks. CME experiments with real-time margin payments, unveiled a deal with Dwolla. CBOE expands EMS connectivity between traders and workstations. Orc Group merges with CameronTec to jointly foster trading solutions. The Inbox: Listener questions and comments Question from Angelo Myers - Loved the deep dive into FPGAs last episode. I am a hardware wonk. What other hardware developments do you feel have been crucial to the trading landscape? Options or just general financial? Question from JimWow -Hello team! Can you please explain what a complex order book is and how it works? Question from Bill Williams - Lots of talk about putting a speed bump into the market to stop or slow down HFT jerks. Thoughts? Will it work or will the Cybermen just figure out a way around it?

Good morning, welcome to Payments Monitor, my name is Faisal Khan, today is the 29th of October 2015, some stories for today are: TOP STORIES The new bitcoin incubator Digital Currency Group (DCG) has managed to attract many big name investors and this growing list now includes Mastercard. Mastercard, who had previously stated that digital currencies are more a threat than an advantage, seems be adopting a change in its strategy with this latest investment. In Germany, a new law is being proposed which will allow refugees, homeless people and asylum seekers to open bank accounts at any bank within the country. At the moment, Germany’s laws do not allow anyone without a proof of residency or identification to open a bank account and this new law could go a long way towards ensuring the financial inclusion of marginalized communities and decreasing the number of unbanked. PayPal’s 3rd quarter financial result is out, the now separated payments giant reports a strong third quarter, with revenue of US$ 2.26 Billion (19% up from previous year’s quarter). Citing an active user base of 173 Million, processing nearly US$ 70 Billion in payments (up by 27% from previous year’s quarter). Dwolla enters into a deal with its partner CME Group. Dwolla will be providing the Chicago based group with access to its technology to power payments on the Broker Payment Systems and Give Up Payment Systems, enabling customers to process payments faster. US Economic growth slowed down sharply to 1.5% in the 3rd quarter as American companies reel back on inventories and orders. Bill Gates turned 60 and Deutsche Bank is looking to cut 15,000 jobs and sell some of its businesses that employ 20,000 people. Airbus scored a huge deal with China on the purchase of 130 Airbus wide and narrow body aircrafts. OPINION ON CHINA A mammoth shift in policy takes places in China today. The ruling Communist Party announced that it will abandon the one-child policy introduced in the late 1970s. Under the new policy, couples would be allowed to have two children. This represents a monumental shift as to how China’s coming years will shape. More people in an economy means more resources, more spending, more money movement. This can excel the Chinese economy in the next decade or two by providing it with a labour force growth that would be hard to reckon with, especially exportable labour. As the Bloomberg report summed up “You need people to make an economy go!” CLOSING THOUGHTS The oil glut. As many of us saw the oil prices rise and spiral out of control, sovereign investment funds saw their portfolios boom. All was good and then suddenly there was an oil glut - too much oil as they say. Now everyone is reeling in. Shell is readying itself for a long haul of low prices, Middle East is looking down in its money chest, trying to figure out how much money is left, oil production sets in US are filing for bankruptcy left, right and center, and the airlines, well, they still continue to charge high for travel (despite the low oil prices). I don’t know about you, but the word Karma does comes to mind. You can access this podcast and all its links, including the archives on www.paymentsmonitor.com - That’s all for today, my name is Faisal Khan and you’ve been listening to the Payments Monitor. Speak tomorrow!

  Hello, welcome to episode 24 of The Bitcoin Game, I'm Rob Mitchell. Earlier this month I got to speak with Andrew Lee from Purse, a company that allows people to use Bitcoin to buy stuff on Amazon, and at pretty large discounts. My own first thought about Purse was that it was some strange company trying to shoehorn its way between Bitcoiners and Amazon. But after talking to Andrew, I now see Purse as a company that is helping to spread the use and adoption of Bitcoin throughout the world. There's a lot more to Purse than I realized! Hope you enjoy this interview. TWITTER GIVEAWAY I will be posting a question or two about the podcast on Twitter. First to tweet back the correct answer will win either a Bitcoin Keychain or the brand new Bitcoin Fork Pen (both pictured below). So follow me at this URL: https://twitter.com/theBTCgame MAGIC WORD Listen for the magic word, and submit it to your LetsTalkBitcoin.com account to claim a share of this week's distribution of LTBcoin. Listeners now have a full week from the release date to claim a magic word. The magic word for this episode must be submitted by 5am Pacific Time on September 2, 2015. SHOW LINKS Purse https://purse.io LG http://www.lg.com Mad Bitcoins http://www.madbitcoins.com Stripe https://stripe.com Lids http://www.lids.com Merrill Lynch https://www.ml.com Dwolla https://www.dwolla.com Mt. Gox https://en.wikipedia.org/wiki/Mt._Gox Amazon http://www.amazon.com Plug & Play http://plugandplaytechcenter.com Andreas Antonopoulos https://en.wikipedia.org/wiki/Andreas_Antonopoulos Blog post on Purse's new Non-Custodial Multisig Wallet https://blog.purse.io/new-multisignature-wallets-to-improve-security-and-privacy Coinbase https://www.coinbase.com Amazon Mechanical Turk https://www.mturk.com Roger Ver http://rogerver.com Reddit Discussion about Purse Pros & Cons https://www.reddit.com/r/Bitcoin/comments/3f36s5 MUSIC All the music in this episode of The Bitcoin Game was created by me! If you're curious, the music was created in GarageBand (by Apple), Animoog (by Moog Music), and Figure (by Propellerhead). Please contact me if you'd like more info about any music you hear on the podcast. STAY IN TOUCH https://Twitter.com/TheBTCGame http://TheBitcoinGame.com Email me at Rob at TheBitcoinGame.com Thanks for listening! Bitcoin tip address: 1G8HDg5EsPQpamKYS2bDya9Riv9xv1nVo5 The Bitcoin Game box artwork created from an illustration by Rock Barcellos.

In this episode of Around The Coin, Brian and Faisal talk about Apple Pay and the recently introduced Android Pay. We also talk about Dwolla's free payments and would payments eventually become free? Also, we touch upon how such ecosystems are changing banking, slowly changing financial services.

July 14, 2015 Yangon, Burma When I first came to Burma (Myanmar) several years ago, there was scarcely an ATM to be found anywhere. It was primitive. And frustrating. After all, most people coming from the West tend to think their banking system is robust and highly advanced. And that's true to a degree. Internet banking and ATMs are certainly nice modern conveniences. But if we go back in time and look at traditional banking as far back as the Middle Ages, there's actually very little about the industry that has changed. It's all still quite primitive. Centuries ago, banks would receive deposits from their customers. And in exchange, they would issue a receipt, or ‘bank note'. Pretty simple. Whoever had possession of the bank note was entitled to withdraw that money from the bank. So naturally those notes eventually became a form of currency. If you owed a debt to someone, and presuming s/he had confidence in the bank, you could settle your debt with the bank note instead of actual money. Banks did the same thing with one another, using a series of notes and credit letters to trade, transact, and settle debts with one another. And out of this system grew a vast, complex network of interbank credit. In a typical deal between two banks, for example, there would often be no actual money changing hands. Instead, they would merely make an entry in their books indicating that one bank owed money to the other. So instead of passing around cash or gold, banks would settle deals with accounting entries and promises to pay. Today the practice is almost identical, it just happens electronically instead of on paper. Central bank balances are credited in favor of one bank or another, but there's still no money that changes hands. Again, ATMs and Internet Banking are modern conveniences. But they have done nothing to truly disrupt the centuries-old banking model. That is now changing. Quickly. Tech companies are starting to figure out how to make every traditional banking function faster, cheaper, and better, all while eliminating the middle man. Companies like Revolut, Transferwise, and Dwolla, for example, are online money transfer services that can send funds cheaper and faster than banks. KlickEx is a currency service that provides a peer-to-peer market for foreign exchange, eliminating the need to use a bank. Countless crowdfunding platforms exist to obtain startup capital for a new businesses. So no one needs to go to the bank with hat in hand anymore. And there's a multitude of peer-to-peer lending platforms where you can borrow money for just about anything-- from a home mortgage to a new car, all without a bank. Companies like Square and Stripe are rapidly taking over credit card processing, yet another industry that used to be dominated by banks. And even the most basic practice of taking deposits is now on tech companies' radars. Google revamped ‘Wallet' service, for example, allows consumers to effectively park their savings with Google instead of a bank. So rather than holding your cash at some illiquid, poorly capitalized bank, consumers can choose one of the most profitable companies in the history of the world to be their direct financial counterparty. Now, I'm not suggesting you rush out and do this; I'm merely pointing out that this is a rather large nail in the coffin of the financial industry. Deposits. Lending. Funds transfers. Credit Card Processing. Foreign Exchange... can all be done now better, faster, and cheaper outside of the banking system. This isn't some wild conspiracy theory. This is a fact; all of these tools ALREADY exist. It's just a question of how quickly they'll be adopted. And if you look at the last great trends in consumer technology (the Internet, smart phones, etc.) the time frame was ten years or less to achieve global scale. Banks' days are numbered. And in a decade's time,

July 14, 2015 Yangon, Burma When I first came to Burma (Myanmar) several years ago, there was scarcely an ATM to be found anywhere. It was primitive. And frustrating. After all, most people coming from the West tend to think their banking system is robust and highly advanced. And that’s true to a degree. Internet banking and ATMs are certainly nice modern conveniences. But if we go back in time and look at traditional banking as far back as the Middle Ages, there’s actually very little about the industry that has changed. It’s all still quite primitive. Centuries ago, banks would receive deposits from their customers. And in exchange, they would issue a receipt, or ‘bank note’. Pretty simple. Whoever had possession of the bank note was entitled to withdraw that money from the bank. So naturally those notes eventually became a form of currency. If you owed a debt to someone, and presuming s/he had confidence in the bank, you could settle your debt with the bank note instead of actual money. Banks did the same thing with one another, using a series of notes and credit letters to trade, transact, and settle debts with one another. And out of this system grew a vast, complex network of interbank credit. In a typical deal between two banks, for example, there would often be no actual money changing hands. Instead, they would merely make an entry in their books indicating that one bank owed money to the other. So instead of passing around cash or gold, banks would settle deals with accounting entries and promises to pay. Today the practice is almost identical, it just happens electronically instead of on paper. Central bank balances are credited in favor of one bank or another, but there’s still no money that changes hands. Again, ATMs and Internet Banking are modern conveniences. But they have done nothing to truly disrupt the centuries-old banking model. That is now changing. Quickly. Tech companies are starting to figure out how to make every traditional banking function faster, cheaper, and better, all while eliminating the middle man. Companies like Revolut, Transferwise, and Dwolla, for example, are online money transfer services that can send funds cheaper and faster than banks. KlickEx is a currency service that provides a peer-to-peer market for foreign exchange, eliminating the need to use a bank. Countless crowdfunding platforms exist to obtain startup capital for a new businesses. So no one needs to go to the bank with hat in hand anymore. And there’s a multitude of peer-to-peer lending platforms where you can borrow money for just about anything-- from a home mortgage to a new car, all without a bank. Companies like Square and Stripe are rapidly taking over credit card processing, yet another industry that used to be dominated by banks. And even the most basic practice of taking deposits is now on tech companies’ radars. Google revamped ‘Wallet’ service, for example, allows consumers to effectively park their savings with Google instead of a bank. So rather than holding your cash at some illiquid, poorly capitalized bank, consumers can choose one of the most profitable companies in the history of the world to be their direct financial counterparty. Now, I’m not suggesting you rush out and do this; I’m merely pointing out that this is a rather large nail in the coffin of the financial industry. Deposits. Lending. Funds transfers. Credit Card Processing. Foreign Exchange... can all be done now better, faster, and cheaper outside of the banking system. This isn’t some wild conspiracy theory. This is a fact; all of these tools ALREADY exist. It’s just a question of how quickly they’ll be adopted. And if you look at the last great trends in consumer technology (the Internet, smart phones, etc.) the time frame was ten years or less to achieve global scale. Banks’ days are numbered. And in a decade’s time,

Collecting rent is one of the toughest parts of being a landlord, and many are seeking out new and better ways for electronic rent collection to make it easier for everyone.... The post Ep. 098: Night School: Options for Collecting Rent – PayPal or Dwolla appeared first on RentPrep.

Siri expectations and unreliability in popular culture. Can Apple ever dramatically improve their web services, and how much pressure do they feel to do so? The sorry state of online payment processing before Stripe, and improving the current sorry state of money transfers (especially in the U.S.) with services such as Dwolla and Square Cash. The Mavericks GM. Drawbacks of a Readability-like model for paying podcast producers in Overcast, and Instacast's 2012 rejection for Flattr integration. Different priorities for podcast playback and management. Sponsored by: Squarespace: Everything you need to create an exceptional website. Use promo code ATP10 for 10% off. Audible: Over 150,000 downloadable audiobooks. Get a free audiobook with a 30-day trial.

Brian Gongol tries to explain what happened to bitcoins... and ICE bustin Dwolla.   Iowa snotty stuff.   And how to snap back... David Kupelian's "American's 'snapping' by the Millions."   Insightful.

On the show today: ISIS brings loyalty to vending machines, Dwolla closes their $16.5 million series C, Kiip powers the “sour to sweet” campaign for Sour Patch Kids, MoodMedia pinpoints you by the music your hear, Google Now! comes to the iPhone and leaves a lot to the imagination, Foursquare is about to sell your data, PJs that tell stories + our very special guest, Ben Broca, founder of Now.

Adobe Audition CS6: I Think I'm in Love! Dwolla Isn't Exactly PayPal (or Your Bank) But That's OK. In Short Circuits: Room Service. Would You Like Some Malware with Your Room? Four Months and Counting. Ubuntu Linux Seemed Like Such a Good Idea. And ... A Personal Message from "God Allah"!

Untitled This week we introduce three things on the show: a new sponsor (Delta Dental of Iowa), a branded pre-roll "stinger" (introduction to the show) and new lower thirds (that image at the bottom of the video with our names). PrairieCast is growing up! We discussed Dwolla's decision to cut fees on transactions less than $10, the Silicon Prairie News mention in the Steve Jobs biography, the question of the #2 startup in Des Moines, last weekend's Barcamp Des Moines, and the Kauffman Foundation's video on where entrepreneurs get their money. While you're checking out the show the show, feel free to drop over to facebook.com/prairiecast and give us a "Like." Also, we'd love to have more ratings and reviews in iTunes (audio or video), even if you prefer to watch the show here on Silicon Prairie News. Can you help us out? Next week on PrairieCast: Jordan Lampe of Dwolla and Emma Peterson of Tikly (back for week two!).

Our guests for this episode where Emma Peterson of Tikly and the Des Moines Register's Adam Belz. Our discussion centered on lots of events like Startup Weekend Kansas City and the winner Horsebot3k, the upcoming Barcamp Des Moines and tonight's Startup Job Crawl. We talked about Dwolla's recent national attention and made some guesses as to their announcements coming next month.

After two weeks off for Thinc Iowa (me) and a new baby (Andy) we're back with episode 60 of your favorite weekly podcast: PrairieCast! During those two weeks of "down time" we came up with some new ideas for the show and we'll be rolling them out over the next several episodes.   Guests today: Nathan T Wright of Lava Row and Jordan Lampe of Dwolla. Hosts Geoff Wood of Silicon Prairie News and Andy Brudtkuhl of 48Web   Topics discussed: Thinc Iowa, Hudl, Silicon Sixth Avenue in Des Moines

This week on PrairieCast we turn the model on it's side! Andy and our guest Tej Dwahan of Startup City Des Moines are live in our studio in the Midland Building and I join via skype from the Kauffman Foundation's headquarters in Kansas City. Dwahan's incubator project is close to launching and he shared lots of details on what they have in store.   Additionally, we're giving away two tickets to Startup Weekend Iowa City this weekend! The person who won the live show giveaway can't make so two are still up for grabs. The first two people to leave a comment on this post will get the tickets.   Topics this week include Thinc Iowa, Call Me Meeting, TwilioCon, Zaarly, Dwolla, Ad Age Digital West, BetaBlox, T8 Webware, Finovate, Iowa Business Plan Competition

  This week on PrairieCast our guest was Ben Milne, CEO and cofounder of Dwolla, who made his down the stair of the Midland Building to join us for the third time on the show. We talked about Dwolla's latest technology releases and Milne's upcoming travels to conference in Europe before launching into the news of the week. We also debuted a new segment "Looking Forward" at the best events in the region over the week ahead.   One other thing, BrownWinick graciously offered to let us give away two tickets that are sponsoring for the upcoming Startup Weekend in Omaha. We gave away one on the live show and saved one for you archive viewers this week. Watch the show to find out how to win one for yourself.   Companies discussed: Dwolla, SkyVu, Fundle, Google, Zave Networks, Real Estate Fan Pages, NotifyWorks, TableNabbr

About Creator: SPN Created: August 31, 2011 Description Just hours after the announcement that Brittany Mascio was joining the Silicon Prairie News team full time, she joined me, Andy and Justin Schoen of eComegy for this week's PrairieCast. Copanies discussed: Dwolla, Vault Coworking, Meso Coworking, Hudl, Cramer Dev.

We had a few technical issues getting the podcast running this week, and the first few minutes are missing from the archive above. We pressed on undeterred and had a great conversation with Josh Fleming ofLessing-Flynn and VineMe as well as old favorite Danny Schreiber, managing editor of Silicon Prairie News. Discussed: Battle of the Brands, Bitcoin, Dwolla, CaseSimple, Tom Chapman, Nebraska Global, Fat Brain Toys, and the Gigabit Challenge.