POPULARITY
2 episodes with finance technology
2 episodes with finance technology
2 episodes with finance technology
6 episodes with finance technology
4 episodes with finance technology
2 episodes with finance technology
2 episodes with finance technology
2 episodes with finance technology
New digs, who dis? That's right, the FinTech Flo is back, and in a brand new podcast studio! The newness doesn't stop there though, with new fintech regulations working their way into banking, new automation technology making headlines in the logistics industry, and the accounting profession being revolutionized by new accounting transformation technology! Lots of headlines discussed between Drew and Mike Whitmire, CEO and Co-founder of FloQast, on this session.Episode 37 - October 17, 2024Earn CPE credit while you watch, along with a bunch of other high quality, engaging, and entertaining CPE eligible video content for free as a member of FloQademy! https://learn.floqast.com/ or via the Earmark app! https://www.earmark.app/@fintechflo There's lots you can do in your career with an accounting background - we're hiring! Learn more at www.floqast.com/careers Want to watch? Head over to www.youtube.com/floqast Produced by @FloQastStudioshttps://www.instagram.com/floqaststudios https://www.twitter.com/floqaststudios
Pushpendra Mehta meets with Paul Galloway, Senior Director, Advisory Services at Strategic Treasurer, to review the latest treasury news and developments. Topics of discussion include the following: Three critical aspects facing treasurers, CFOs, and CEOs – Now and Beyond The three critical aspects discussed in the above article are appended below. These have been covered as separate topics in the podcast. 2:13 Record-high US national debt: A ticking time bomb likely to spark a debt crisis 10:46 Key focus areas for treasury and finance in the coming years: Technology, payments, payments security, and risk management 19:17 Fed cut rates, yet corporate America faces higher interest expenses 26:10 Global banks to use Swift to trial live digital asset transactions from 2025 Other Resources: Federal Debt Data - FiscalData Interest Rates – The Economist
Send us a textEver wondered why your event marketing strategies aren't yielding results?You're not alone.On this week's episode, digital marketing expert Ashley Stanford, shares her actionable insights on event marketing. From her beginnings in a high school marketing club to her specialized focus on events, Ashley's journey is brimming with valuable lessons for every event host
It wasn't long after Laura LaPeer left public accounting to climb the corporate career ladder that she encountered her first delicate challenge as a corporate controller. Just a year into her new role, her employer was acquired, and LaPeer was unexpectedly asked to explain complex working capital issues to the new owners. The head of finance for the acquired firm struggled to present the information clearly, and the new owners were becoming frustrated. LaPeer instinctively stepped in, simplifying the complex details and demonstrating her ability to distill intricate financial data while effectively reading the room.This experience, though it occurred prior to her joining Plante Moran, laid the foundation for her approach to leadership. By the time she was recruited as the controller at Plante Moran, LaPeer had already honed her ability to navigate complex situations and build relationships. The firm's collaborative culture and the promise of a CFO role within a few years aligned perfectly with her leadership ethos. Her early experience not only solidified her decision-making and communication abilities but also prepared her for the strategic demands of Plante Moran's finance function.
The Next Generation of Accountants #GenZ - Fintech Flo: Episode 34 (9/5/24)The pathway to becoming a CPA is different now with proposed modifications to the exam process and new developments in AI and technology that have changed the profession forever. Are you a college student thinking about obtaining your CPA or considering working for an Accounting Firm? Drew and Mike delve deeper into current Accounting Industry updates and what the profession is like today, as well as how it is going to change tomorrow. The role of industry professionals will be transforming, and the mission now is to showcase to the next generation how their job will be different.This episode and all FinTech Flo episodes are available for CPE credit over at FloQademy and on the Earmark app (links below!)Earn CPE credit while you watch, along with a bunch of other high quality, engaging, and entertaining CPE eligible video content for free as a member of FloQademy! https://learn.floqast.com/ or via the Earmark app! https://www.earmark.app/@fintechfloThere's lots you can do in your career with an accounting background - we're hiring! Learn more at www.floqast.com/careers Want to watch? Head over to www.youtube.com/floqast Produced by @FloQastStudioshttps://www.instagram.com/floqaststudios https://www.twitter.com/floqaststudios
In today's episode, we'll hear from Paul Galloway on natural language processing. What is it, and how does it differ from machine learning? How is it used in finance and fraud detection? Tune in to find out.
In today's episode, we'll hear from Paul Galloway on anomaly detection systems. What are they, and how are they used in treasury and finance? Tune in to find out.
Hot Number Summer - Petrodollar, Money Laundering, Men in Finance - Fintech Flo: Episode 30 (7/10/24)What's up with the petrodollar ending, and what does it mean for you? Can NYC become the next film hub and compete with LA? And what's the deal with the man in finance phenomenon? Join in on Drew and Mike's discussion on these during our very special, and sad, final episode from the FloQast Studio facility before moving to a new podcast location this fall. This episode and all FinTech Flo episodes are available for CPE credit over at FloQademy and on the Earmark app (links below!)Earn CPE credit while you watch, along with a bunch of other high quality, engaging, and entertaining CPE eligible video content for free as a member of FloQademy! https://learn.floqast.com/ or via the Earmark app! https://earmarkcpe.com/download/ There's lots you can do in your career with an accounting background - we're hiring! Learn more at www.floqast.com/careers Want to watch? Head over to www.youtube.com/floqast Produced by @FloQastStudioshttps://www.instagram.com/floqaststudios https://www.twitter.com/floqaststudios
Fintech Flo: Episode 29 (6/27/24)Move fast and break things has been SpaceX's approach to innovation, but does that work for all companies? Sometimes there is a brand reputation risk to putting out a beta product that isn't fully ready, yet making customers pay full price for it - forget about the accounting nightmare behind trying to plan for canceled subscriptions! Also on today's episode, is how much power should one influencer have - Roaring Kitty and Marcus Brownlee have the ability to move companies success metrics like Warren Buffet when he makes a public investment move. Get caught up with Drew and Mike on this episode of the FinTech Flo! This episode and all FinTech Flo episodes are available for CPE credit over at FloQademy and on the Earmark app (links below!)Earn CPE credit while you watch, along with a bunch of other high quality, engaging, and entertaining CPE eligible video content for free as a member of FloQademy! https://learn.floqast.com/ There's lots you can do in your career with an accounting background - we're hiring! Learn more at www.floqast.com/careers Want to watch? Head over to www.youtube.com/floqast Produced by @FloQastStudioshttps://www.instagram.com/floqaststudios https://www.twitter.com/floqaststudios
Is hybrid the way of the future or is it a trap? Yes, you heard correctly - everything is going hybrid, from engines, to clothes, to work, to ideologies. There is much to be said about the benefits of taking a hybrid approach to business goals and achieving strategic objectives, many of which can be highlighted by current events such as Toyota's emphasis on hybrid engines, fashion companies developing work from home dress pants, and businesses moving toward hybrid work environments permanently. Drew and Mike break down the analysis in this hybrid episode, two in person studios, but remotely recorded, podcast. This episode and all FinTech Flo episodes are available for CPE credit over at FloQademy and on the Earmark app (links below!)Earn CPE credit while you watch, along with a bunch of other high quality, engaging, and entertaining CPE eligible video content for free as a member of FloQademy! https://learn.floqast.com/ or via the Earmark app! https://earmarkcpe.com/download/ There's lots you can do in your career with an accounting background - we're hiring! Learn more at www.floqast.com/careers Want to watch? Head over to www.youtube.com/floqast Produced by @FloQastStudioshttps://www.instagram.com/floqaststudios https://www.twitter.com/floqaststudios
In this episode of Where Public Finance Works, we explore the remarkable journey of Martin “Marty” Feinstein, an influential figure in the fusion of public finance and investment banking technology. Born and bred in New York, Marty's story begins with his early exposure to computing at Jamaica High School, training on an IBM 1030 mainframe, and progresses through his ascension in the field post completing his master's from Albany State. Join our host, Tyler Traudt as he guides us through Marty's story from his foundational programming work at International Paper, creating a forest-yielding algorithm, to his pivotal role at First Boston, where his uncle's advice steered him into the world of public finance. Marty recounts his transition from programming to financial analysis, and how the arrival of PCs and evolving technology shaped the industry. Listen along as he details the profound shifts in bond pricing technology, from the Monroe Bond Calculator to the dominance of Bloomberg terminals. Marty candidly discusses the impact of the Tax Reform Act of 1986, which threw municipal finance into tumult, and how it prompted changes in refunding bonds and the entry of analytical databases. As he reflects on his later roles and working with his team at DebtBook, we learn how Marty's legacy is defined by a commitment to progress and the ability to harness knowledge for continuous improvement. Featured Guest Marty Feinstein is the Managing Director of Finance Product & Enablement and Head of Data Analysis/Excel Model Development at DebtBook. He first entered the Public Finance field in 1980 as a computer programmer at First Boston Corporation. In 1995, Marty joined Smith Barney (later to merge with Citi) where he became a director and headed the Finance Structuring Group within the Public Finance Department. Marty also worked for Global Financial Markets Institute as a consultant responsible for training clients in general Public Finance knowledge or Excel cash flow modeling. In April 2020, Marty joined DebtBook to help the team design and build user-friendly internal models to speed data entry of client information and train staff in general Public Finance knowledge. Download Now: The Issuer's Guide to Modernizing Debt Management
In this episode, we delve into the dynamic world of event marketing strategies with the accomplished Ashley Stanford, a seasoned Digital Marketing Consultant and Freelancing Expert. With over 15 years of expertise in the digital marketing realm, Ashley brings a wealth of knowledge and practical insights that are sure to resonate with professionals in the Events & Entertainment sector.About Ashley StanfordOur guest, Ashley Stanford, is not just a digital marketing maven but also the EVP of Client Strategy at TicketSocket and the Vice President and Co-Founder of Ice Cream Social. Her extensive experience spans across various industries, including Events & Entertainment, Medical Device/Healthcare, and Finance Technology sectors. Ashley's passion lies in crafting strategic marketing plans and optimizing tactics to drive tangible results for her clients.Episode HighlightsIn this engaging discussion, Ashley sheds light on the intricacies of effective event marketing strategies. She shares her journey of conceptualizing TicketSocket—a unique solution born out of the need to revolutionize traditional marketing channels in the ticketing industry. Ashley emphasizes the importance of word-of-mouth marketing in today's digital landscape and unveils how Ice Cream Social's innovative referral widget gamifies the online referral process, driving substantial results for businesses.Ashley advocates for a holistic approach to marketing, where word-of-mouth initiatives complement existing channels such as SMS, email, and social media ads. She underscores the significance of incentivizing partners and understanding demographic nuances to maximize the impact of word-of-mouth campaigns.Furthermore, Ashley offers invaluable insights into effective communication strategies, emphasizing the need for transparency and proactive engagement, especially during challenging situations such as event cancellations or setbacks.Delving into a personal anecdote, Ashley candidly shares her experiences of overcoming burnout, highlighting the importance of self-care and resilience in navigating professional challenges.Links and ResourcesThe Desire Map by Danielle LaporteIce Cream Social and TicketSocketAshley Stanford on LinkedInThank you so much for listening, come back soon, and stay on purpose!Support the show
Janine Hirt, CEO of Innovate Finance, unpacks what the UK must do to maintain its historical strength in financial technology, why clarity in regulation for crypto, BNPL and open banking is vital, and what needs to be done to tackle rising financial scams. Hirt has been with Innovate Finance, the UK fintech industry body, for the past nine years after joining as a community lead in 2015. Hirt then became the group's ecosystem director, then COO before rising to the rank of chief executive in 2021. The independent group is responsible for championing the efforts of British fintech and advising government policy to support its growth. Before joining Innovate Finance, Hirt held roles at the think tank Chatham House and the Brazilian-American Chamber of Commerce. Elsewhere in this episode, Hirt looks at where fintech clusters are in the UK, why Big Tech must take some responsibility for financial crime, and what she's hoping to see for the fintech sector in the Spring Statement.
Ashley Stanford is a Digital Marketing Consultant and Freelancing Expert. With more than 15 years of experience in the digital marketing space, she specializes in building strategic marketing plans, mapping strategy execution, and collaborating to optimize tactics that drive increased performance for clients, primarily in the Events & Entertainment space but has extensive experience working with Medical Device/Healthcare and Finance Technology sectors as well. She is also the EVP of Client Strategy at TicketSocket and Vice President and Co-Founder of Ice Cream Social. Ice Cream Social is a widget that can easily bolt on to any website or checkout flow. On the front end, it's Incentivizing word-of-mouth marketing in the digital world we live in today while also collecting first-party data for you on who these consumers and who their friends are on the backend. Ice Cream Social is backed by Comcast NBCUniversal SportsTech, which invested in the company in early 2022. Across her tenure in the field, Ashley has held nearly every role in the digital marketing space, giving her unmatched expertise in customer acquisition and email, search, and content marketing. Connect with Jon Dwoskin: Twitter: @jdwoskin Facebook: https://www.facebook.com/jonathan.dwoskin Instagram: https://www.instagram.com/thejondwoskinexperience/ Website: https://jondwoskin.com/LinkedIn: https://www.linkedin.com/in/jondwoskin/ Email: jon@jondwoskin.com Get Jon's Book: The Think Big Movement: Grow your business big. Very Big! Connect with Ashley Stanford: Website: https://icecreamsocial.io/ LinkedIn: https://www.linkedin.com/in/ashcline/ *E – explicit language may be used in this podcast.
In this empowering episode of “Raw and Real Entrepreneurship,” join Susan Sly as she delves into the candid and inspiring story of Ashley Stanford, the co-founder of Ice Cream Social and a digital marketing freelancer. Discover the raw and real truth about entrepreneurial depression, a challenge that Ashley has bravely faced and overcome. This episode offers a deep dive into the world of problem-solving and resilience, showcasing how Ashley's journey from a small-town girl with big dreams in Ohio to a successful entrepreneur in Southern California is a testament to the power of determination and learning. Whether you're struggling with your own entrepreneurial journey or seeking inspiration to learn and grow, this episode is a must-listen. Tune in to hear Ashley's invaluable insights and learn how you, too, can overcome obstacles and achieve anything you set your mind to. About Ashley Stanford: Ashley Stanford, a seasoned Digital Marketing Consultant and Freelancing Expert, boasts over 15 years of diverse experience in the digital marketing realm. Specializing in crafting strategic marketing plans and optimizing tactics for enhanced client performance, her expertise spans the Events & Entertainment, Medical Device/Healthcare, and Finance Technology sectors. Ashley serves as the EVP of Client Strategy at TicketSocket and is the Vice President and Co-Founder of Ice Cream Social—a widget facilitating word-of-mouth marketing and collecting valuable first-party data for websites and checkout flows. Ice Cream Social is supported by Comcast NBCUniversal SportsTech, which invested in the company in early 2022. Ashley's comprehensive background includes roles across customer acquisition, email, search, and content marketing, solidifying her as a trusted authority in the field. Connect With Ashley: LinkedIn @ashcline Facebook @AshNCline X @AshleyCline Website https://ashleyncline.com/ Website https://icecreamsocial.io/ About Susan Sly: Susan Sly is a Tech Co-founder, a tech investor, best-selling author, keynote speaker, entrepreneur, and host of the highly acclaimed podcast – Raw and Real Entrepreneurship. Susan has appeared on CNN, CNBC, Fox, Lifetime Television, The CBN, The Morning Show in Australia and been quoted in MarketWatch, Yahoo Finance, Forbes, and more. She holds Certificates in Management and Leadership, Technology and Operations, and Strategy and Innovation from MIT. Susan is the author of 7 books. Her book project with NY Times Best Selling Author, Jack Canfield, made six Amazon Best Selling lists. Connect With Susan: X @Susanslylive X @rawandrealentr1 LinkedIn @susansly Facebook @susanslylive Website https://susansly.com/ Join Susan's Insider's List https://susansly.com/insider/
Are you afraid to speak up at work? Being career-ready is the key to authenticity and a strong voice in the office. Career and financial readiness help you unlock your freedom of work and voice. But how do you develop it? Join our guest, Patricia Costa, Senior Business Partner of Finance & Technology at SunLife, as she describes the exact steps she took to confidently walk away from a job and company that did not serve her. Tune in to this episode and discover: ✔️ How to decide when to leave a job or company when it's doesn't suit for you. ✔️ Why career readiness matters for authenticity at work. ✔️ How to borrow confidence to use your voice. ✔️ How to you become career-ready so that you can speak your mind at work. ✔️Why financial freedom gives you vocal freedom and strategies to become finance-ready. ✅ Request A Customized Workshop For Your Team And Company: http://assertiveway.com/workshops ✅ Follow our Patricia Costa on LinkedIn: https://www.linkedin.com/in/patriciacostamba/ ✅ Follow Ivna Curi on LinkedIn: https://www.linkedin.com/in/ivna-curi-mba-67083b2/ ✅ Other Episodes You'll Like 10 Negotiation Tactics to Make You More Assertive And Have More Influence 5 Strategies For Making Yourself Heard At Work 7 Ways To Make Yourself Heard In Meetings 4 Tips On How To Successfully Share Your Ideas At Work (Compilation) How To Disagree Respectfully Without Being Disagreeable Power Phrases To Speak Up With Impact (Part 2) Power Phrases To Speak Up With Impact (Part 1) Discover How To Make People Listen To You When They Try To Ignore You (With Guest Vishwaa Vaidya) ✅ Free Resources FREE Training & presentation on How To Be Assertive Without Being Rude, Aggressive, or Offensive: https://assertiveway.aweb.page/assertivenotrude From Rambling To Articulate PDF Guide: https://assertiveway.aweb.page/articulate Podcast episode lists by theme: https://assertiveway.aweb.page/speakyourmindunapologeticallytopics Women in Tech Leaders Podcast Interviews: https://assertiveway.com/womenintechpodcastguests/ Podcast Summaries & More Email Newsletter: https://assertiveway.com/newsletter Our Linkedin Blog Articles: https://www.linkedin.com/newsletters/6863880009879306240/ TEDx Talk How To Speak Up Safely When It's Psychologically Unsafe: https://assertiveway.aweb.page/safespeak 10 Day free Assertive And Liked Challenge: https://assertiveway.aweb.page/beassertiveandliked Assertiveness free training: https://assertiveway.aweb.page/getahead Other Free resources: https://assertiveway.com/free/ Podcast page: https://assertiveway.com/podcast-speak-your-mind-unapologetically/ ✅ Work With Us Workshops: http://assertiveway.com/workshops Break The Silence: https://assertiveway.com/communicationculturetransformation/ Services: https://assertiveway.com/offerings Contact me: info@assertiveway.com or ivnacuri@assertiveway.com Contact me on Linkedin: https://www.linkedin.com/in/ivna-curi-mba-67083b2 Website: https://assertiveway.com ✅ Support The Podcast Rate the podcast on apple: https://podcasts.apple.com/us/podcast/speak-your-mind-unapologetically-podcast/id1623647915 Ask me your question for the next episode: https://www.speakpipe.com/speakyourmindquestion
Episode 31 - Professor Dirk A. Zetzsche, University of Luxembourg (Topic/Chapter Guide is availabe)Professor Dr. Dirk A. Zetzsche, holder of the ADA Chair in Financial Law (inclusive finance) at the University of Luxembourg, is also a co-author of the recently released book, FinTech: Finance, Technology and Regulation (LINK), published by Cambridge University Press, which he collaborated on with Professor Ross P. Buckley of the University of New South Wales - Sydney and Professor Douglas W. Arner of the University of Hong Kong. In a market seemingly saturated with books on FinTech and cryptocurrencies, the authors of the above work offer a comprehensive, accessible reference for those seeking to understand the technological transformation of finance and the role of regulation: the world of FinTech. They consider FinTech technologies including artificial intelligence, blockchain, BigData, cloud computing, cryptocurrencies, central bank digital currencies, and distributed ledger technology, and provide a unique perspective on FinTech as an interactive system involving finance, technology, law, and regulation.Starting with an evolutionary perspective, the authors then consider the major technologies transforming finance, arguing for approaches to balance the risks and challenges of innovation. They address the central role of infrastructure in digital financial transformation, highlighting lessons from China, India, and the EU, as well as the impact of pandemics and other sustainability crises, while considering the risks generated by FinTech. They conclude by offering forward-looking regulatory strategies to address the challenges facing our world today. In this episode of Regulatory Ramblings (Topic Guide is available), Dr. Zetzsche talks to host Ajay Shamdasani about what compelled him and his co-authors to write the book, as well as the technological transformation of finance and the role of regulation. They conclude their discussion by fleshing out some of the book's key conclusions in terms of suggested policy goals and forward-looking regulatory strategies to address the challenges facing today's world. Simply put: banking and finance, technological innovation, and regulatory policy must move in tandem, the authors argue. HKU FinTech is the leading fintech research and education in Asia. Learn more at www.hkufintech.com.
Social Good, Crypto, Bridging the Digital Divide: Deep Dive into the UNICEF CryptoFund, at the intersection of Ethics, Finance, Technology. I am really excited about this episode with Sanna Bedi and Arun Maharajan from the UNICEF Venture Capital Fund and UNICEF CryptoFund that goes deep into how they tackle complex issues at the intersection of finance, ethics, and technology. This episode is an excerpt of the full-length episode you can discover in our premium newsletter called Venture Notes (https://venturenotes.co). If you want to become a premium member and enjoy the full experience, grab until Sep 30, 2023 a special offer : 50% off, €45/year instead of €90/year, link to redeem https://upcomingvc.substack.com/300923 - The UNICEF Venture Fund was launched in 2016 specifically designed to finance early stage, open source technology that can benefit children. In October 2019, UNICEF launched the CryptoFund, a new financial vehicle allowing UNICEF to receive, hold, and disburse cryptocurrency - a first for the UN. The CryptoFund is a pooled fund of bitcoin and ether and the investments made through the CryptoFund are denominated in crypto. In the context of the UN Venture Fund, cryptocurrency is an additional way for UNICEF to make investments into early-stage startups in emerging and developing economies. The CryptoFund is a prototype fund for UNICEF to explore the use of digital currencies, and what it means to operate in a digitally financed future. Sanna and Arun discuss reconciling financial returns with the ethical imperative of prioritizing children's well-being and address equitable distribution of technological benefits. The conversation explores promoting open-source solutions, inclusivity for women in tech, and striking a balance between short-term gains and long-term sustainability. Sanna and Arun provide an overview of the UN CryptoFund's alignment with UN goals and its project selection criteria and cover what they understand by successful projects and their impact, geographic focus, cryptocurrency funding, transparency, and the concept of digital public goods. The episode concludes with a glimpse into the future plans of these funds, offering a comprehensive overview of how unique this UN initiative is. In summary: Balancing financial returns with the ethical imperative for children's well-being. Equitable distribution of technological benefits and addressing the digital divide. Promotion of open-source solutions and implications for intellectual property. Fostering inclusivity and empowerment for women in the tech industry. Balancing short-term financial gains with long-term sustainability. Geographic focus, cryptocurrency funding, transparency, and future plans of the UN CryptoFund and Venture Capital Fund. Let's get into the episode right now. - The podcasts Runway Series Originals, AMA VC, Human Factor, No-Code VC / Fit, Venture Talks & Solo-GP Series are produced by UPCOMINGVC® (upcoming.vc), created and hosted by Raphael Grieco (olivecapital.vc / rapha.elgrie.co / raphael-grieco.com).
Vivien Khoo is the Chairman and co-founder of the Asia Crypto Alliance, an industry association that promotes the growth and development, as well as safeguarding the reputation, of virtual assets providers in Asia. She is also a Senior Advisor of StashAway, a digital wealth management platform with more than USD 1bn of assets under management and the APAC Advisor of Delphi Digital, an independent research boutique providing institutional-grade analysis on the digital asset market. After a long career in senior compliance and regulatory roles, Vivien moved into the digital industry in 2019 where she was the Global Chief Operating Officer and Interim CEO at a leading crypto derivatives exchange. Prior to that, Vivien spent close to two decades at Goldman Sachs where she was the managing director of Goldman Sachs' Asia Pacific Ex-Japan Compliance division. Vivien had also spent time as a regulator with the HK Securities & Futures Commission. Vivien's move across from traditional finance into digital assets was motivated by a realisation that society is currently in the midst of a great transformation in how financial services are created, accessed and delivered. She was keen to be involved in shaping that future - particularly as blockchain technology extends beyond financial services An ardent advocate for diversity and inclusion, Vivien is the founder of W3W and co-founder of SatoshiWomen, both of which provide education, inspiration and connections to women interested in the digital assets space. She is also an advisory board member for Inspiring Girls and is actively working with universities and schools to pilot programs to raise awareness and provide access and education of Web3 to girls at a young age. Having been described by Tatler Asia as “a prime mover in cryptocurrency in Asia…on a mission to provide leadership and education,” she talks to Regulatory Ramblings' host Ajay Shamdasani about her passion for diversity and inclusion in the fintech and Web3 space, and how education to help us get there – especially through the medium of e-games to reinforce the skills needed to function in the digital economy of the future where cryptocurrencies and e-tokens will be an important part of daily interactions and transactions. They discuss her transition from being a compliance professional to the tech world, her motivations for establishing W3W, the challenges she faced as an entrepreneur, the progress women have made in banking and finance in APAC, and how more can be done to draw women to tech careers at an early age. Their conversation concludes with Vivien sharing her thoughts more broadly on the extent to which Hong Kong's legal and regulatory system is conducive to the needs of fintech, virtual asset and Web3 entrepreneurs.HKU FinTech is the leading fintech research and education in Asia. Learn more at www.hkufintech.com.
Marketing Expedition Podcast with Rhea Allen, Peppershock Media
Ashley Cline is a Digital Marketing Consultant and Freelancing Expert. With more than 15 years of experience in the digital marketing space, she specializes in building strategic marketing plans, mapping strategy execution, and collaborating to optimize tactics that drive increased performance for clients, primarily in the Events & Entertainment space but has extensive experience working with Medical Device/Healthcare and Finance Technology sectors as well. She is also the EVP of Client Strategy at TicketSocket and Vice President and Co-Founder of Ice Cream Social. Across her tenure in the field, Ashley has held nearly every role in the digital marketing space, giving her unmatched expertise in customer acquisition and email, search, and content marketing.00:00 - 00:22 “Every single one of your customers is an influencer. Even if they don't have a big following on social media; they have friends, they have family, they are talking to people. Just because they don't have a large following doesn't mean they don't have friends that want to go to an event with them. So, we consider every customer an influencer.” — Ashley Cline00:23 - 00:40 Welcome to Peppershock Media's Marketing Expedition Podcast00:41 - 01:47 Ashley's Bio01:48 - 07:41 Marketing Essentials Moment: Digital Advertising07:42 - 10:01 Welcome to the show, Ashley!10:02 - 12:46 Low cost of customer acquisition12:47 - 16:00 How Ice Cream Social was developed; A powerful social invite tool to turn every purchaser into additional customers and brand advocates.16:01 - 18:42 Ashley's frustration with medical marketing18:43 - 23:51 Continuing education and network growth23:52 - 27:36 Partnering with agencies27:37 - 28:28 Kitcaster is your secret weapon in podcasting for business. Your audience is waiting to hear from you! Click on this link to apply for a special offer for friends of this podcast.28:29 - 34:23 The future of Ice Cream Social34:24 - 34:28 Gamification and tracking success34:29 - 37:57 Tracking cookies and revenue attribution37:58 - 41:45 The dashboard and reporting41:46 - 44:00 Micro-influencer marketing44:01 - 45:59 Learn more about Ice Cream Social at: https://icecreamsocial.io/46:00 - 46:50 Thank you so much, Ashley! Enjoy your marketing journey!46:51 - 47:35 Join The Marketing Expedition Community today!#digitalmarketingstrategies #digitalmarketing #digitalmarketingtips #digitalmarketingtip #digitalmarketingservices #digitalmarketingstrategy #contentmarketing #marketing #advertising #branding #icecreamsocial
Ashley Cline is a Digital Marketing Consultant and Freelancing Expert. With more than 15 years of experience in the digital marketing space, she specializes in building strategic marketing plans, mapping strategy execution, and collaborating to optimize tactics that drive increased performance for clients, primarily in the Events & Entertainment space but has extensive experience working with Medical Device/Healthcare and Finance Technology sectors as well.She is also the EVP of Client Strategy at TicketSocket and Vice President and Co-Founder of Ice Cream Social.Learn more: https://icecreamsocial.io/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-ashley-cline-digital-marketing-consultant-vice-president-co-founder-of-ice-cream-social
Ashley Cline is a Digital Marketing Consultant and Freelancing Expert. With more than 15 years of experience in the digital marketing space, she specializes in building strategic marketing plans, mapping strategy execution, and collaborating to optimize tactics that drive increased performance for clients, primarily in the Events & Entertainment space but has extensive experience working with Medical Device/Healthcare and Finance Technology sectors as well.She is also the EVP of Client Strategy at TicketSocket and Vice President and Co-Founder of Ice Cream Social.Learn more: https://icecreamsocial.io/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-ashley-cline-digital-marketing-consultant-vice-president-co-founder-of-ice-cream-social
We are now witnessing the slow emergence of truth through our media. After ignoring vaccine injuries for the whole jab rollout, our newspapers are now reporting excess deaths but inexplicably refusing to link it to the jab. Edward Dowd returns to Hearts of Oak and he has written the most comprehensive book looking at excess deaths in 2021 and 2022. With his team he has brought his analytical expertise which made him a force in the financial industry to now looking at trends of excess deaths. One by one we are seeing countries reporting this tragic trend, Ed brings together data and hundreds of newspaper headlines to join the dots. Join us this episode as Ed puts the pieces of this jigsaw together to show the truth. Please share this important podcast with your family and friends. Edward Dowd is currently a Founding Partner of Phinance Technologies, a global macro alternative investment firm. Ed has worked on Wall Street most of his career, spanning both credit markets and equity markets, some of the firms he worked for include HSBC, Donaldson Lufkin & Jenrette and Independence Investments. Most notably, he worked at Blackrock as a portfolio manager where he managed a $14 billion Growth equity portfolio for ten years. After BlackRock, he founded OceanSquare Asset Management with two former BlackRock colleagues. Ed's career was spent analysing companies and earning billions for hedge funds and his success grows from his ability to accurately predict which companies are legit winners in the making and to avoid fraudulent or weak investments. In early 2020, Ed famously made some accurate predictions on Twitter and in 2021, he began to back up his earlier prognostications with posts including data provided by the CDC, NIH and WHO. Shortly after that, Twitter banned him from the platform, saying that his posts were "against community guidelines" but thankfully since Elon Musk's acquisition of the company Ed has been reinstated and his followers are growing rapidly. With his investment theses on data gleaned from the WHO, CDC, NIH, life insurance industry and funeral home fiscal reports, Ed exposed the contagious deceit of Big Pharma Fraud and its devastating effects on financial markets and to our lives. Cause Unknown: The Epidemic of Sudden Deaths in 2021 & 2022 ‘Early in 2021, he noticed a rise of news anecdotes about sudden deaths among very fit athletes and other seemingly healthy young people across the country. His question was simple: What changed this year?' Available in hardcover and e-book https://www.amazon.co.uk/gp/product/B0BB8GWRLW/ref=dbs_a_def_rwt_hsch_vapi_tkin_p1_i0 Follow and support Edward..... TWITTER: https://twitter.com/DowdEdward?s=20 GETTR: https://gettr.com/user/EdwardDowd WEBSITES: https://www.theyliedpeopledied.com/ https://phinancetechnologies.com/ LINKED IN: https://www.linkedin.com/in/edward-dowd-87902158/ Interview recorded 30.5.23 *Special thanks to Bosch Fawstin for recording our intro/outro on this podcast. Check out his art https://theboschfawstinstore.blogspot.com/ and follow him on GETTR https://gettr.com/user/BoschFawstin and Twitter https://twitter.com/TheBoschFawstin?s=20 To sign up for our weekly email, find our social media, podcasts, video, livestreaming platforms and more... https://heartsofoak.org/connect/ Transcript (Hearts of Oak) Hello, Hearts of Oak, and welcome to another interview coming up in a moment with Ed Dowd, who's been with us before, looking at finance. And this time he looks at something completely different, and that is his book published at the end of 2020. Many of you will have seen it, and that is Cause Unknown, the epidemic of sudden deaths in 2021 and 2022. And he brings his analytical mind, originally looking at financial trends, looking at death trends, let's call it what it is. And he opens the book with newspaper report upon newspaper report, scan upon scan, image upon image of how the media have reported on sudden deaths, at sudden adult death syndrome, deaths amongst children, amongst young people, it should not be happening. And yet he collates it all together, and that is the the hard-hitting part of this, that you see it all in one place. You realize, wow, this is what is happening from papers all across the world. He talks about those excess deaths, talks about the rise of the disability in workforce, talks about publishing this, the difficulty of publishing it, the response from publishers, from media. It is a huge topic, and a story that has to be told and I encourage you to get hold of the book, pass it on to friends, family, relatives, anyone who can read this because they need to grasp this subject and understand the tragic reality of what we face, not only here in the UK but all across the world. So I know you will be fascinated by this interview with Ed and you'll want to get the book after a few listen and hear him. And hello, Hearts of Oak. Wonderful to have you with us again and wonderful to have a returning guest. The last time we spoke on economics and finance, but this time we're going to focus on his book, Cause Unknown, the epidemic of unknown deaths in 2021 and 22, and that is Edward Dowd. Ed, thank you for your time today. (Edward Dowd) Great to be here. Thanks for having me on again. Not all. I've literally been finishing your book on my Kindle. It's been a fascinating read, not an enjoyable read, but a fascinating read. And as I think over the last three years, we've had lots of fascinating reads that have not necessarily been enjoyable, but have opened the door and explained what is really happening. Your book, Cause Unknown, is one of them. And for our viewers, all the links are in the description. You can find Ed Dowd @DowdEdward on Twitter, on GETTR, everywhere else, but all the links are on the screen there and also in the description. But Ed, if I could probably begin, because your background is one on finance and I love watching your interview, or your conference speech at the American Freedom Alliance, World War III, just last month, a signpost of the sovereign debt bubble popping, what comes next. And that is a fascinating take on the financial side, but we're going to look on something completely different today, and that is your book published just the end of last year. But Ed, maybe we can ask you, first of all, what and how moved you from your focus on, I guess, a focus on the finance side, on investments, on trends in the financial sector? What moved you over to looking at what was happening with the excess deaths linked to COVID? Well, so the bottom line is this. When the vaccine was introduced, I started hearing anecdotes about injuries and deaths, which I shouldn't be hearing statistically. If this thing was safe and let's forget effective, we know it's not effective, but if this thing was safe and had been vetted like a normal vaccine for seven to 10 years, we wouldn't be hearing, I wouldn't be hearing any anecdotes. So I became alarmed and I was also horrified by the propaganda campaign that seemed to fool lots of people into taking this thing. But then when the mandates came, that's when I lost my mind. I said, OK, here we go. I'm just, you know, look, I'm Irish Catholic, American, fifth generation, and I just don't like being told what to do. That's kind of my nature. And so when they told me I had to take this jab to literally interact with freedoms that were basic to the Constitution of America, that's when I said, OK, done here and started going to protests. I hooked up with Dr. Malone and came in October of 2021. And I had already, in my mind, said to myself, well, if the vaccine is really causing problems, and because this vaccine was not just a vaccine that was marketed to a specific group of people, but the whole globe, it should show up in what we call the metadata. And the first metadata I thought we'd look at would be the insurance company results and the funeral home results. And sure enough, at the end of 21, it showed up there. And I became the guy known as the fellow analysing excess mortality. And over time, I had a team kind of coalesced around me. It's not just some dude on the internet, ex-Wall Street guy. It's like I have two PhD physicists who started a firm called Finance Technology, spelled, PH instead of F. We have a website, phinancetechnologies.com. And since the book has been written, we've just continued our work. And it's a horror show. We've identified excess deaths. We've identified disabilities and injuries, all of which have gone off the rails since the vaccine introduction. So on Wall Street, when you pick a stock, which I was a stock picker, I ran a $14 billion, growth portfolio for BlackRock for 10 years. We grew from $2 to $14 billion over that time. You come up with an investment thesis for a stock and you want to be early to what's quote called the story. And usually there's a story in a stock where something fundamental is changing and you want to get there before the herd gets there and buy the stock. And then as your thesis is proven correct over time, the stock will go up. People will realize what you saw. And that's all I've done here with the vaccine issue, like I saw a trend. We analysed it. And unfortunately, I'm here to say the trend isn't getting any better. Excess deaths continue to stay alarmingly high. Disabilities are continuing to climb, granted not as a faster rate as they did in 21 into 22. But now we have injuries, which are identified by missed work time, and that exploded in 2022. And these numbers are not small. The numbers we've come up with are about 300,000 dead in the US from the vaccines. And of course, we do excess mortality for like Europe, the UK, we did Ireland, we did Australia, and it's all showing the same story, a mix shift from old to young, starting in 2021. And that's what I talk about in my book, the mixture from old to young, I use society of actuary data, look at disability data. So what I'm here to say is the book gets that and our research continues that it's been detrimental to your health to be employed in 21, 22 and continues in 23. And why is that? Why is the most healthy and youngest amongst us getting sicker than the general populations of these countries? Well, it's because they were mandated to take an experimental jab where the drug companies wanted to hide the clinical trial from you for 75 years. That's a fact that most people don't know, but it's true. And from that data that they didn't want you to see, we've been able to estimate all sorts of things. And we showed that in the clinical trials, the rate, the magnitude of severe adverse events is now expressing itself in the general population. It's a joke. This is an absolute joke. And in the book, we don't go into the who or why, primarily because I wasn't in the room when these decisions were made. But what I can say is at this point, they see the same data that I see and we all see, and it's a cover up. So whatever went down is a cover up now, and that's a crime. Well, I want to get, you mentioned Dr. Robert Malone, I had the privilege of staying over with him and Jill when I was last over in Virginia, and he's been on many times. Can I ask you about Skyhorse Publishing published this, and I guess there would be a reticence, in publishers to publish this information because it blows the lid on what has been happening. Before we go into some of the data and some of the charts that you have, can I just ask you what was it like to put this information out? What was the response like, negotiating to publishers, media response. Tell us what that was like. Well, so I didn't intend to write a book. Gavin De Becker, who lives on the island with me off Maui, he knows Tony Lyons, he's written books. And Bobby Kennedy, all three kind of approached me and pitched the idea of this book, because my data was coming at it from the Wall Street side of things, which is just trend analysis. I wasn't trying to figure out what the medical mechanisms of the vaccine were. There's a lot of debates and lots of back and forth. I'm just counting ones and zeros, dead, not dead, disabled, not disabled, injured, not injured. That shows up. So, you know, at the very least, let's assume I'm wrong. I'm 150 percent convinced it's the vaccine. If it's not the vaccine, let's assume I'm wrong. Something's going on. The numbers are the numbers. What is it? And more curiously, why are the authorities around the globe unwilling to want to talk about it. Well, the circular logic is it's because it's the vaccine. That's why they don't want to talk about it. You know, the numbers we have now are worse than the pandemic in 2020. The excess deaths, the disabilities and the injuries. We have a pandemic now and I call it the pandemic of the vaccinated. And that's that those are just facts. So Tony Lyons, Gavin approached me. I wrote the book. The book has been mostly ignored by the mainstream media. I did get on Tucker Carlson before he was fired. I've been on a couple of mainstream podcasts like Patrick Bet-David, who was brave enough to put me on. Kudos to him. And some others. But you know, I've been kind of, the book has been kind of ignored, even though it's been selling well. Recently, I've come under some new attacks. I think it's because I'm affiliated with the Kennedy campaign. I'm the co-treasurer on his campaign and I align myself with him because he's, you know, he's aware of the vaccine situation and he's all about freedom and truth. I may not agree on every topic with him, but without freedom and truth, we got nothing. We're kicking around other issues in the sandbox. So that's where we are. This is an ongoing fraud, an ongoing cover up. The US is like other countries are starting to back off from this thing, but the US supposedly the leader in global health care, continues to push this poison. Let's just call it what it is. It's poison. It doesn't work, and it's poisoning you. As a Wall Street guy, this was a stock that was coming under suspicion of having fraudulent accounting. You don't want to be the bag holder on the way down to zero. At the very least, this vaccine doesn't work. Why would you get a booster for something that doesn't work? Now we have serious concerns. Don't be on the wrong side of the trade. If you did get previously vaccinated, just stop. Don't do any more boosters. That's kind of my message. It's like, look, this thing doesn't work. There's a lot of questions around it. It's, in my humble opinion, absolute fraud. And over time, it's going to come out. So don't continue to take what I call the Russian roulette boosters. Robert Kennedy Jr., I'm fascinated by his stand and I'm watching, obviously from across the pond in the UK, watching what is happening over there in the US and how he brings this conversation into, especially on the left, on the Democrat side, which you don't think I've had a full conversation on this. But can I bring up some of the data, some of the graphs, some of the information which you brought? And maybe you can talk us through. But this is some of the the yearly excess deaths that we've seen. And you can see there is a spike from 2020, but maybe you can kind of mention and help the viewers understand what they're looking at. What country is this? I can't see. This is Denmark. Denmark's the classic example. So you see, these are, so we came up with methodology papers. First of all, you have to figure out how to measure excess death. The traditional way of doing it, and even the Society of Actuaries does this, is just to take a five-year average. The problem with that is it doesn't account for population growth or degrowth. So if the population's growing and you use just a five-year average, it'll make it look worse than it is, and conversely, if the population of the country's declining, it'll make it look better than it is. So we adjust for all that. And you can see with Denmark, they had a pretty consistent declining mortality rate that kind of went off the rails starting in 2020, but it's hit new highs in 2022. And on the right, you can see total population, I think. And basically, it shows that each successive year since 2020, more and more people are dying. So what do we know about Denmark? They're one of the most highly vaccinated countries. And every year it got worse. So let's assume it's not the vaccine, whatever they did in Denmark, and by the way, you can find this in all sorts of countries, Australia, you name it. It's gotten worse every successive year. So whatever they're doing is killing more people. So the health response has been a disaster. And since a major component of that health response is the vaccine. And it's continuing to get bigger in 2022. There you go. There's the answer. And what did Denmark do? Denmark basically, effectively, there's some wording people get on me about, but they effectively banned the vaccine for people under 50. And they said, it's better to get COVID than the vaccine. OK, so that's Orwellian speak for don't get the vaccine if you're healthy and under 50. This should be pulled off the markets for every age group. It's a disaster. So Denmark has decided to back off. Other countries are starting to back off. Switzerland came out and said that the liability now lies with the doctors that can continue to push this. So every country is starting to examine this slowly, except the US, which is interesting. I guess it's because it came from the US. But we've had Martin Sichert from AFD Politician in Germany talking about the excess deaths they've had in Germany. So I think what you're talking about in Denmark, we have seen, and in the UK, we have seen a certain massive amount of excess death. I think the Daily Mirror had a headline, we are seeing whatever percentage of excess deaths, and we don't know what is causing it. what you're talking about there in Denmark, I think it was 10% of excess deaths. We are seeing a similar level in the UK. So what you're, I guess, coming across, what you've written about is being extrapolated across many, many other countries. Yeah. Other people are doing different work, different methodologies, but the answer is coming up the same. I mean, my objective in doing this was to highlight the issue. And people are like, oh, Ed, they're copying your work. I don't care. People to do as much of this as possible so it multiplies. I'm just one guy, one team. We hope that everybody does their own, every country does their own study. As long as we kind of agree on how to measure the baseline, because excess deaths are a mathematical calculation above what's expected due to like very predictable mortality paths. That's why insurance is a great business. People, insurance companies aren't dumb. They insure people because they know what the death rate is and they make money by charging premiums, and they collect more than they pay out. That's the essence of insurance, and insurance companies have had some rough times of late, paying out more than they expected. What's curious is the, I'm going to report on this soon, the Society of Actuaries put out their 2022 report this month. And we're looking at the data, and the excess mortality in the younger folks continues to be quite high, running in the 20% to 23% area. What's interesting is, in that report, they look at the general US population, and the group life people are dying at higher rates than the general US population, which never happened before. This was always a healthier group that all flipped in 21. And so this is a joke. If you're employed, you have a greater chance of dying than if you're not working for one of these large companies that forced you to get the vax. So as far as I'm concerned, the puzzle's been solved. We're just trying to wake up policymakers and those who are brave enough to stick their necks out, which I don't understand. People are dying and getting maimed and disabled. So anybody who is afraid is a coward. Now, if you don't know and you figure it out and you're in a position of power, take action. But if you know and you're just scared, well, you're a coward. In your book, you talked about one insurance company, talked about the CEO of the one America insurance company publicly disclosed that during the third and fourth quarter of 2021, death in people of working age 18 to 64 was 40% higher than what it was before. I mean, that's huge. That is 40% higher. I'm surprised everything didn't stop and the whole media to focus on this. And yet that seemed to be ignored by the world's media. Yeah. So that came out at the end of 21 into January of 2022. And the CEO said the numbers, the numbers are correct. That actually was verified later by the Society of Actuaries. What he said for his company turned out to be the number for the whole industry. So 40 percent excess mortality across the board in 2022 for 25 through 64. Now, let's use his own words. His own words were, 10% increase is a once in a 200-year flood. 40% is off the charts. So now, at the time, what did he say? He blamed COVID. OK, he blamed COVID. Now, you've got to remember, in 2021, we had the original variant, which was the worst, then Delta, which was the second worst. And by the time he spoke, Omicron was starting to emerge, which is basically a common cold. So at the time he said that, he probably believed it, and he just was wrong. My job as an analyst on Wall Street is to sit in front of CEOs, listen to them, and bet against things I think that they're either incorrect about or lying about. I think he was just incorrect about that. And as time has rolled on, it's becoming more apparent that these excess deaths are non-COVID. So if it's non-COVID, what is it? Well, people blame drug overdoses and suicides, deaths of despair, and missed cancer screening, treatments or appointments. Let's go through each one of those. So in the third quarter of 2021, the excess mortality spiked to 84% for the age groups 25 to 44, which I call the millennials. These are people who shouldn't die. And their death rate was a lot lower during 2020. So it spiked to 84% in a three-month period, which is when the mandates hit in the US. And these group life policies are given to those who work at large Fortune 500 companies or mid-sized companies. If you're a small business, you don't have group life, OK? So these folks accelerated from around 30% excess mortality in the summer when Delta was raging into 84% by September, October of 2021. So to blame suicides is insane, because then you're saying that there was a group suicide pact amongst those with the best jobs. That's absurd. To say that they overdose on fentanyl and heroin is absurd because to get the policy claim, you have to be employed at the time. So, from my experience, fentanyl users and heroin users tend not to keep their jobs very long and tend not to be employed at these companies. And then the third excuse, missed cancer screening appointments. You know, I'm 56. I've never had one. Usually you get a cancer screening when you present with illness. You don't go pre-screen. They don't just, insurance companies don't spend money where they don't need to. So you don't go in and get these tests and then die in mass in the third quarter of 2021 from your 32, and I guess you didn't know you had colon cancer and you dropped dead in the third quarter of 2021. It's all nonsense. And then, obviously, since that spike, the vaccine program has waned. A lot of booster uptake has gone down. But what's disturbing to me is that the excess mortality in this group is still running around 23%, which is absurdly high and a problem. And injuries seem to be happening a lot, meaning missed work time, chronically ill. And if you're injured, you can move into the disabled category or the dead category. Categories aren't static. Well, let me bring up, because that's excess mortality. That is the scary thing. And before we go into some of the examples in your book, this is one of the charts. And right there.. Yeah, you can see the spike right there. Now, 100 is baseline. So you see 200%, which is 100%, and 179, which is 79% above. Averages to run 84% for the group 25 through 44. It's right there. Boom. That's what we call the event. That's what we call the smoking gun. What has been the response, again, to the media? Because it is there. It is clear. You've done the research. You've shown the data. It's out there for all to see. You would expect the media to pick up on this and to run with this as the major story of the year. But this seemingly hasn't got out. What are your thoughts on that? Well, the good news is it's spreading word of mouth. So that's good. The bad news is the media is owned by the pharmaceutical industry because they, on the nightly news in the US, I think 75% of the nightly news budget is pharmaceutical spend. Now, all of media is not 75%. But I think the nightly news is basically sponsored by pharma. So they have huge incentive not to go against their gravy train. So you got that going. You got all of Congress and the Senate kind of still being lobbied by the pharmaceutical industry. And then you have the technology companies that are the platforms for social media. Now, Twitter's different. It's been bought by Elon. And I was banned from Twitter, but put back on in December. And I had 87,000 followers when I got turned back on. Now I have 216. So word about it is spreading, but it's slow and it's, you know, it's, it's never been more dangerous to be misinformed than right now. And it kind of makes me sick to my stomach. So there's a lot of vested interests. I call it a conspiracy of interest. To keep the lid on this, technology companies were excited about the surveillance technology cash flows they were going to get if this thing was going to be implemented forever, which it's not, with vaccine passports and quarterly jabs. So they gratefully did what the government told them, which was to censor. And it's come out from the Twitter files that there's a censor industrial complex. There's a whole host of companies that basically make money censoring folks. And so they don't want this to come out. The media definitely doesn't want this to come out and our health authorities that ram this through don't want this to come out. So it's kind of this, let's pretend it never happened and hope that people forget. The problem is these vaccines are still being offered. They're trying to bring out new ones. And until people who have already been injured know what the cause is, the doctors, who don't know any better, are going to treat the symptoms, not the result of the jab. And the jab, we believe, is compromising immune systems. You need to repair your immune system rather than treat shingles or whatever shows up from your compromised immune system. We're hearing of young people dying from pneumonia this winter. I mean, who the hell dies from pneumonia in your 30s? Well, I guess if you're vaccinated and boosted, you've got a chance of dying from pneumonia. Well, you talk about excess deaths, we will touch on that again later, but we've had in the UK big demonstrations. Truth Be Told is one organization which is highlighting the vaccine damage to people, the disability side. This is something which you bring up. Let me bring up one of the slides. This is the the labour force, 16 to 64. And this is the disability within that. And it's, again, you see the trend and suddenly there is a spike from early 2021 of that disability within the workforce. So it's not just deaths, but it's actually the inability to work and the damage that it's causing to individuals after having this. Yeah, so we discovered the U.S. Bureau of Labour Statistics, which does, you know, disability numbers, and it went off the rails starting around February of 21. And when we delved even deeper, So the correlation with the vaccine uptake is 0.9. Now, people say correlation is not causation, whatever. At least the question needs at least to be asked and they don't even want to ask the question. But when we delved into the numbers a little deeper, you can break it down by employed versus the general population. And the general US population had not 8% increase in disabilities into November of 22. The employed population had a 31% increase in of disabilities into 2022. So again, the people who are employed generally speaking are much healthier than those who are unemployed, right? Correct? Because of by the very nature, you're getting up in the morning, drinking your coffee, and getting yourself to work. You know, if you're, you know, super young, you're not working. If you're super old, you're retired and you may be sick. But if you're able-bodied and able to get up and go do something, you're, generally speaking, a healthy individual. This all flipped in 2021. So of the 3.2 million individuals added to the disability survey done by this department. 1.7 were employed. So half, more than half, of the newly disabled were employed. Shocking. We just dropped, so then we did another study on absence rates and work time lost, and we found that this accelerated, we put that out a couple months ago, we found that accelerated in the US in 2022 especially, and it was 13 standard deviations above the 20 year trend line, which is, just to understand what a standard deviation is, a three standard deviation event happens 0.03% of the time. 13 is what we call a black swan event, should not be happening. Well, guess what we did recently? We put this out last week. We did an analysis of the UK disability data, our absence and work time loss data, and we found the exact same trend. And what's interesting is it actually went down in 2020 for your country. It went up in 2020 for us, but in your country, it went down. Then it went up in 21 and then exploded in 22, And it's 12 standard deviations above your 20 year trend. So whatever's going on in the UK is happening in the US. You got a sick workforce. And I guess it's climate change. Let me bring up some of the, one of the things that really hit me, even when you open up the book and go through it, it is the, not just the stories, but actually those screenshots of the stories from the media, from the newspapers. And this is an example, and you opened up with healthy young athletes dying, died unexpectedly in their sleep, and the S.A.D new normal, the sudden adult deaths. Tell us about this, because it's quite a, I guess, a shocking, sobering opening up to the book, whenever you see, not just Ed, you talking about, you know, the names of people who have died, but actually it is all there, the media have recorded it and you're simply bringing it together. Yeah, so you'll notice all we do in this section is we link local news stories. We don't, we don't comment on individual people. We just link news stories of sudden athletic deaths. And again, the book puts a human face on it with these stories, and then I go into the data. And we can talk about sudden athletic deaths in a very interesting way. Did they happen before COVID vaccines? They sure did, but they're super rare. There was a study done in 2006 by the Switzerland Lausanne Institute that tried to put a number on this, and they found over 38 years, 1,101 such cases of people who died under age 35 on the field and that's 29 a year. You know, in the book, our list is not exhaustive. We have hundreds and hundreds of examples. That we'd be lucky to have a month with just 29 in it. Instead, we have months upwards of 80 across the globe. So as a trend guy, does this phenomenon occur before? Sure. But the frequency with which it's occurring is like tenfold what it was in the past. And again, why are the elite, most elite healthiest amongst us dropping dead on the field, you know, in a new frequency rate that's tenfold what it was. Well, it started in 21. And what changed? Mandates and vaccines, because schools and sports mandated all this stuff. So, look, if I'm wrong, I'd love to be wrong, but no one wants to talk about this, which is, you know, obviously very suspicious to me. And people want to pretend it's not going on, but it is, ideal in reality. I live in reality. And there's a bunch of people that want to live in la la land again. Good luck to you. When you've probably brought in trends from your financial side, people have been willing to look at it and it's showing where the market is heading. Therefore, you want to get in. And you would kind of think any trend, people want to understand what is happening earlier on to be ahead of the curve in effect. But this seems to be the opposite, that people don't want to see, don't want to understand, don't want to acknowledge. Whenever you are putting this down, were you expecting people to adopt, I guess, the same response as you would have in the financial sector. Well, so let me grab something. Someone made this for me, because I've been saying this a lot. Someone made this as a gift for me. You can't rationalize facts to someone whose position is based on emotion. It's a coffee mug. And that's something I learned when I was in business school. And I saw that on Wall Street. And for instance, let's talk about the Enron fraud. I knew it was a fraud. I got my firm out of the way of the disaster. I didn't catch the top, but we owned it. And once I realized it might be fraud, I'm not married emotionally to a stock because it's a piece of paper. A lot of people emotionally get emotional about stocks. And I had peers that I would talk to and say, hey, this thing's fraud. And they said, no, you're wrong. And I talked to the CEO, and he told me everything's fine. I go, well, that's the nature of a fraud. You talk to a CEO. And by the way, psychopaths that run these companies into zeros, frauds, they will act as if everything's fine and convince you, they will never admit to the fraud until they're in handcuffs. And that's what's going on here. So a lot of people that took this vaccine, that were emotional about it based in fear, and or, you know, adopted COVID as the new religion. It's become part of who they are, so they can't admit to it. So there's that going on. The good news is most people did not take this because it was a virtue. Most people were either threatened or were ambivalent about it. And now that they're learning, they'll pull a 180 and they're not emotionally attached. But there's a huge pocket of people still emotionally attached to this decision who who won't ever want to admit defeat. And there's also the vested interest, the conspiracy of interest, who may know that, it's a disaster, but they'll never admit to it either because, you know, they some of these people, again, I wasn't in the room, there may have been some malfeasance and fraud that's going to put people in jail. So they're going to they're going to run with this until they can't. And unfortunately, my prediction is as more and more people figure out what's happened and the injuries continue, eventually there'll be a kind of a tipping point and then there's going to be a lot of angry people, unfortunately. As you've put this out, the book has been out since the end of 2022. What has been the kind of response, the engagement, obviously I've seen you on War Room many times discussing this. There must have been a reticence, I guess, to publish this information, which seemingly not only goes against the mantra from the government but goes against Big Pharma, which has got deep pockets. So there's a financial interest in going. It's not just going against the government edict, but it's going against the money system of Big Pharma. As you put this out, tell us about how it's been taken, how it's been accepted, that kind of fight I guess you had of putting out this information. Well, so we're running along. There's a saying, first, they ignore you, then they laugh at you, then they fight you. I went through the ignoring period. Then the fact checkers came in and tried to like, you know, laugh at me. Now they're starting to fight. I mean, it's our website was taken down last week. Our website was taken down and we were attacked. And now it's back up. Thank God. And I started to receive a line of personal attacks in certain areas of social media that seemed very coordinated. I'm not even going to talk about what they are because I'm not going to give any, you don't give the trolls anything to feed on. So just know that something shifted last week. It went from ignoring and laughing to coordinated attacks on the website and personal. So the good news is that says to me they're now fighting me because the word's getting out. The book was a number one seller for a long, long time. Sales have declined a little bit, as is natural in a book after its first six months. It'll probably catch a second wave soon as this breaks into the mainstream, and I'll probably go on more mainstream media type of things as they try to change the narrative and pretend they never were involved. But this is where we are. The fight has begun. And then after they fight you, you win. So winning is six to 12 months away, but we're in that, we're in the, I call, you know, people are like, are you scared? I'm like, no, this is the fun part. This is the good part. Now they have to pay attention. Tell us about the, the, the data reporting, I guess, because the, the VAERS is the system you have in the U.S. to report side effects and adverse effects of vaccines. Looking at it from a non-medical, non-scientific point of view, as I've read into it, it seems to be a laborious, difficult process designed to maybe slow down reporting. But tell us the kind of the data which has been accessible to you and you've looked at, because not all countries report it. And fears, obviously, the US, the UK have reported, I've read Israel have reported a lot of stuff. Other countries have not reported it. Well, what has that been like for you looking at trying to access, I guess, this data. Well, we've written about VAERS, but that's not where most of our data comes from. We decided because of the nature of this jab, and it was so universal, it's going to show up in what we call the metadata, just the dead, the all-cause mortality, ones and zeros. And it has, and we've proven that. And it also showed up in other databases, like insurance actuarial databases, funeral home results. And it showed up at the US Bureau of Labour Statistics and the UK Labour Statistics, the ONS data there. So they can't hide it. The VAERS data, we tried looking at the data and it's problematic and it's hard to analyse and they do that on purpose. But just looking at the VAERS database, like eyeballing it, the number of adverse reports for this vaccine dwarfs any other vaccine we've ever seen. The naysayers on VAERS say, oh, these are fraudulent anti-vaxxers entering reports. First of all, it's an onerous process. Doing so, you can go to jail, and it usually is done by a doctor, and I don't think access to the average Joe is available. But we didn't lead with the VAERS data. We led with the government data of all-cause mortality, disabilities, and now injuries. And what's interesting is most countries are reporting them on time, although they're starting to delay that data. And the most egregious has been Canada. Canada has stopped reporting the dead people. So they're like six, eight months behind. And, you know, if you're if you're a first world country and you're a government, one of your jobs as a government is to count things. And, you know, that's that's that's, so third world countries like Africa have problems, you know, accessing records because a lot of people just don't even get birth certificates or register. But, you know, in developed nations, this data should be readily available once it becomes. And so Canada is either become a third world country, which I don't believe it is, or they're hiding the data, which I think they are. Tell us about the, just to finish off with the viewers, the listeners, they obviously, this is a topic which many of our viewers and listeners have been extremely interested in with a number of guests, so they get hold of the book, Cause Unknown, they read through it, and they want to kind of do something, they've been informed. What were your thoughts on educating the public and giving them that information. What do they do with it, I guess, is a question for our viewers and listeners. So let's just start with the book. The book was written, leaving out the who and the why on purpose, because we don't want people to get bogged down in that, which I can't prove, because that's all speculation. But what we can prove is something's going on. These numbers are the numbers. The lack of talking about these numbers, in my humble opinion, is a cover-up. In the book, we say our thesis is it's the vaccine. And we come at it from a Wall Street trend analysis perspective. It's a very sober, non-bombastic book. And what people have told me is they'll buy it for themselves because they already believe. They'll read it, then they'll hand it to a loved one. And there's lots of reports of people coming back to me saying that the book has been able to flip someone from getting boosters to not getting boosters. So the first step is buy the book for yourself, but then give the copy to someone else after you read it. Some people have bought multiple copies and given them to their whole family, whether they're received well or not. So that's one thing you can do. You can also go to our website, phinancetechnologies.com. We have all the data. You can use all the data there. If you want to go to your local school board, if you want to go to your congresswoman, if you want to go to your state reps. So it's like a force multiplier. And you know, it's just everyone needs to take some sort of action. And the action is inform, educate. I know some people live in liberal cities. They don't want to talk about it, but you can buy the book and leave it on your desk. You know, there was a story last week. I know someone who knew a guest was coming, they left the book out, and then the person came and they grabbed the book, and now they're questioning the vaccine. So that's kind of what this is. It's kind of a Paul Revere pamphlet, you know, like, the British are coming. It's a warning. And the warning is this. Don't take the thing, because we all know it doesn't work. So why take something that doesn't work, first? Second, my data shows something went off the rails starting in 2021. I'm 150, 200% convinced it's the vaccines, if it's not, then what is it? But at the very least, why take something that doesn't work? And that's the mission, just to save a marginal life, change a marginal mind, and that's it. That's why I wrote the book. I didn't write the book because it's fun, and I wrote the book to save people from making bad decisions. Well, I live in a very liberal city, London, the UK, and I'm happy to have the conversation with friends, family, school pick up when I do that. And there's always a range of people that you can have this conversation with. So, Ed, I appreciate you coming on and discussing the book. I found it fascinating reading on my Kindle. Didn't get a hardback, but it was on the Kindle. Really enjoyed it. So thank you so much for putting in the time and effort and hard research, which I know goes into publishing anything like this. Thank you. Yeah, you're welcome. And I just want people to know it's not just me. There's a team behind a lot of what was in the book. Gavin De Becker had a team sourcing the stories. All the data that I presented was done with volunteers, my own research, my partners, Carlos and Yuri, Josh Sterling, who's now public. So, you know, this is not just some dudes with spreadsheets on the internet spreading misinformation. This is top-notch Wall Street research. My very last thought, sorry, is there'll have to be a Part B. There'll have to be an update to this because the data is coming out. You've set the groundwork, the data is continually coming out. Does that mean that you will have to update it and include the data which is progressively getting worse? Yeah, probably at some point. I'm not looking forward to that because that requires work. We're also thinking, we have a website and we're thinking of figuring out a media strategy to maybe produce a pamphlet or a book that showcases the work from our website, which is even more comprehensive than my book. We also are trying to figure out a way to make PDFs that are downloadable rather than people screenshotting our work. So we're, you know, look, this is a volunteer effort. This is all pro bono. We have a hedge fund that we're looking to start at some point, but we put that on the back burner. Well, this is more important to get this information out. So we're not doing this. We're funding this out of our own pockets. So as we get volunteers who want to give us time and effort, this stuff will come. So we're, and our team's growing. We keep getting more and more volunteers from very different political ideologies. Very different. This cuts across left, right, green, red, blue, purple. This is team humanity. And if you're for truth and not being forced to take experimental gobbledygook into your arm, you're on our team. I find that 100%. So Ed, I appreciate you coming on and thank you to our viewers for tuning in and our listeners for listening. And do make sure you get a copy. All the links are in the description and do pass it on to friends, colleagues, those on the school gates, whoever, make sure they get the information. So Ed, thank you so much for your time today. Thank you so much and I appreciate you. Please subscribe, like and share!
Chris and Brandon are back for another episode of American Entrepreneur off the Wall. This month we discuss the concept of who not how, building teams and missions, Finance Technology, and more. Leave reviews and/or subscribe! Please, it's helpful: Itunes: https://podcasts.apple.com/us/podcast/american-entrepreneur/id1546576262 Google Podcasts: https://bit.ly/3K6p0AB IheartRadio: https://ihr.fm/3qYTsFo For more from American Entreprenuer, check us out at : www.facebook.com/AmericanEntrepreneur
One of the most significant decisions a CFO faces is selecting the right technology or tool to help them run the finance organization and deliver expected results and value for the business. But technology selection is only the first step. There also is implementation, a just as important stage that can make or break the success of the technology and its effectiveness in the eyes of stakeholders throughout the organization. In this podcast, we chat with Protiviti Managing Directors Shelly Kalladanthyil and Nick McKeehan about finance technology tool selection and implementation, including whether it's time to move to the cloud. Shelly and Nick are leaders in Protiviti's Business Performance Improvement and Finance Transformation practices. Among the key points they make: It's not just about choosing a technology and putting it into place. Selecting the right finance technology tool requires significant due diligence as well as contributors from throughout the organization to make it a true success for the business. For more information, visit the Finance Technology & Data page on the Protiviti website: www.protiviti.com/us-en/finance-technology-data. Contact Shelly at shelly.kalladanthyil@protiviti.com. Contact Nick at nick.mckeehan@protiviti.com.
In this episode of Gartner's CFO Podcast, Nisha Bhandare, VP analyst at Gartner, breaks down what is a finance technology roadmap. She explains why this is something a CFO must sit down and think about, the benefits of a well-drawn roadmap, as well as the drawbacks if CFOs don't get it right.Nisha Bhandare is a Vice President, Analyst, in Gartner's Finance Research and Advisory Practice. She advises clients who are in the midst or embarking on a finance transformation journey, primarily in the areas of finance technology strategy and implementation, ERP deployment, and invoice-to-cash processes. Nisha previously worked in progressive leadership roles in financial planning and analysis, controllership, and finance transformation and operations. She built world-class solutions to increase analytical and forecast accuracy, productivity and efficiencies through automation, shared services, legal entity and ERP simplification.
This week Darrell and Becca are joined by Klarna's Co-founder and CEO Sebastian Siemiatkowski to talk about how the company is expanding beyond by now pay later space to become a neobank. Sebastian walks us through his European startup journey, breaking into the US market, how the importance of calm leadership through a market downturn, and what's next for Klarna. Subscribe to Found to hear more stories from founders each week.Connect with us:On TwitterOn InstagramVia email: found@techcrunch.com
The second largest cryptocurrency exchange in the world, FTX, has filed for bankruptcy, triggering a bloodbath in the crypto market! What does this mean for major crypto currencies such as Bitcoin? What will happen to all FTX customers? And should crypto now be regulated? We'll discuss with International Keynote Speaker on Bitcoin, Blockchain and Finance Technology, Armando Pantoja. And THE ANALYSTS weigh in on NCB's Q4 results. And Internationally, U.S. stocks rose significantly last week Friday after deceleration in CPI inflation data ignited the most intense rally on Wall Street since early 2020. ****************** OUR SEGMENTS: 0:00- Intro 2:04- What's Hot in Business 8:24- Discussion 36:27- Market Recap 42:57 The Analysts- US Inflation and Stocks 48:36- The Analysts- NCB Q4 Results ******************* SUBSCRIBE TO OUR NEWSLETTER: kalilahreynolds.com/newsletter --- Support this podcast: https://anchor.fm/kalilahrey/support
Ashley Cline is a Digital Marketing Consultant and Freelancing Expert. With more than 15 years of experience in the digital marketing space, she specializes in building strategic marketing plans, mapping strategy execution, and collaborating to optimize tactics that drive increased performance for clients, primarily in the Events & Entertainment space but has extensive experience working with Medical Device/Healthcare and Finance Technology sectors as well. She is also the EVP of Client Strategy at TicketSocket and Vice President and Co-Founder of Ice Cream Social. Ice Cream Social is a widget that can easily bolt on to any website or checkout flow. On the front end, it's Incentivizing word-of-mouth marketing in the digital world we live in today while also collecting first-party data for you on who these consumers and who their friends are on the backend. https://ashleyncline.com/ https://www.linkedin.com/in/ashcline/
Financial planners and advisers are forever looking for new technology. Technology that is friendlier and easier to use. Technology that fosters more engagement. Technology that can automate more tasks and processes.Many financial planners and advisers have even gone so far as to develop their own software for their businesses. This works so well for them that they believe they built something that has been eluding everyone until now. And then they start selling their software to other financial planning businesses.But it hardly ever lasts.Join us for a discussion about solid principles and approaches you can and should follow to ensure you get the most out of the technology you implement and use in your practice.---- Please watch the full episode on YouTube ----https://youtu.be/xjdqlFwoakcClick the SUBSCRIBE button while you're there ;)---- Taxspace Software ----Taxspace is our own proprietary software helping financial planners, advisers, paraplanners, tax practitioners, etc. turn their client's tax into opportunity.PROpulsion Pro members get 10% off for the first 12 months.Website: https://www.taxspace.app---- Learn more about PROpulsion Pro ----https://www.propulsion.co.za/pro---- Connect with Us ----Website: http://www.propulsion.co.zaPROpulsion LIVE Portal: https://hello.profileme.co.za/propulsionWhatsapp: https://www.propulsion.co.za/whatsappTwitter: https://twitter.com/propulsionliveLinkedIn: https://www.linkedin.com/in/francoisdtzaInstagram: https://www.instagram.com/propulsionliveTikTok: https://www.tiktok.com/@propulsionlive#fintech #technology #financialplanning
Pushpendra Mehta meets with Craig Jeffery, Managing Partner of Strategic Treasurer, and Jack Large, Editor of CTMfile, to discuss key insights from the ESG investing article published on CTMfile. Read the article here
Tune in to our conversation with Carolina Veira, Director of Strategic Partnerships (previously Director of Finance), CSR, DEI, Caremax, Inc. She discusses how finance teams in the healthcare sector have restructured post-pandemic. She also talks about how finance teams in the industry can improve their receivables strategy and remove bottlenecks and redundancy.
While there are thousands of blockchains around, most of them work in their own galaxy and interoperability is still a challenge. However, Cosmos is trying to change that by creating an internet of blockchains. How exactly are they creating that internet & what challenges are they facing as they try to create a system that could operate over the next few decades? And why is uplifting grassroot communities and creating systems that support local economies top of Cosmos agenda? Find out the answer to all these questions and more in the latest episode of Word on the Block.
With inflation accelerating and prices shooting up, the CFO's office needs to take a proactive approach to effectively deal with collateral cash flow challenges. Join us in our conversation with Jack McCullough, President, The CFO Leadership Council, as he discusses how CFOs and their finance teams should gear up for inflation. We'll also look at the impact of high inflation rates on accounts receivables.
In this episode, join Theo F Piletsky, Vice President, Strategy & Business Consulting, EPAM Continuum as he discusses the need for advanced analytics for the office of the CFO. We'll dive deep to understand why the CFO's Office should focus on leveraging AI-based cash flow forecasting.
Di era digital saat ini, segala proses transaksi semakin dimudahkan berkat adanya finance technology. Zahron dan Jesseline akan membahas mengenai berbagai jenis fintech yang ada di Indonesia.
In this episode, join Chris Ortega, Chief Executive Officer, Fresh FP&A as he explains the challenges of labor shortage and why talent is top of the agenda for many CFOs today. He also discusses the role of financial technology in retaining and nurturing talent.
In this episode, join Ken Wentworth, Fractional CFO as he reveals how CFO offices can achieve zero profit leakage and strengthen business resilience. It is essential for down myths around Artificial Intelligence in CFO's Office and why finance teams should invest in emerging technology.
In this episode, join Glenn Hopper, Chief Financial Officer at Sandline Global as he breaks down myths around Artificial Intelligence in CFO's Office and why finance teams should invest in emerging technology.
Brad Goodall is no stranger to the fintech industry, having worked for scale ups and start-ups for years before starting his own founder journey. He talks at length on the concept of Banked and how this is more than a new technology to combat fraud but will be a major shift in consumer behaviour. Goodall shares how they got the backing of Bank of America and what this will mean for their expansion into the American market. He talks about the importance of catering to your audience and educating your customer as a form of marketing. Goodall opens up about the price of talent in the current climate and how he's navigated investing and growing the team on a global scale. He talks funding rounds and pitching and raising a total of £18.9m so far. Goodall has worked with some of the biggest brands and names in technology and finance across Europe, the US, Australia and Asia. His previous business was 10x Future Technologies which he cofounded with ex Barclays CEO Antony Jenkins. His latest venture Banked burst onto the scene in 2020 to build a payments network to rival Visa and MasterCard. Goodall leads the company as CEO. Goodall lives in London with his wife and two small kids spending as much time outdoors and as close to the beach as they can.
Sho Sugihara recounts his experiences that inspired and led him to start Pave. He talks on the importance of passion in addition to having a great product and audience. Sugihara emphasises the necessity of listening to your customers and how he went one step further by living their experiences. This commitment to understanding his audience allowed Sugihara to grow his business to over half a million monthly customers. He opens up on what it means to have a team as passionate as yourself and how their combined ideas helped in the use of Tiktok that led to explosive growth for their brand.Sugihara is Pave's co-founder and CEO. Born in Kyoto he studied politics, psychology and sociology at the University of Cambridge. He received a BA from King's College, where he focussed on informal economies and economic exclusion. Sugihara began his career working with NGOs across Latin America, implementing socially responsible economic solutions to reduce poverty. He then joined McKinsey & Company where he consulted global clients across the financial and healthcare service sectors on strategy and business. His experience in consulting and reading on economic exclusion led him to leave McKinsey in 2017 and co-found fintech firm Pave.
Gerald Chappell and Dr. Michelle He launched Fintern at the start of the pandemic, they get into how they had to take down advertising a few months before launch as too many people were signing up. With the intention to disrupt the consumer lending market, Chappell and He explain why their concept puts the customer at the heart of the company by catering loans to individual spending and not just based off a generic credit score. They talk about timing the launch of Fintern and their experiences in securing a licence and what they did to scale and secure funds during the pandemic and thereafter. Chappell, CEO and Co-founder: Previously Partner at McKinsey & EY; Led McKinsey's Digital Lending and Credit Analytics solutions globally. Led 200+ quants developing Artificial Intelligence models He, COO and Co-founder: Previously Director at EY. Global delivery lead for C-suite at top European banks (team size up to 1500); FinTech advisor; Ph.D in machine leaning
Today's Buzzcast interview is with Dave Stevens, CEO of Mountain Lake Consulting and Luke Tomaszewski, CEO of Proxy Pics. We sat down with Dave, Luke, and Joan Trice, Founder of Allterra Group, LLC to discuss the 3,000 foot view on housing finance, what's happening next in the appraisal industry, and learning more about the future of technology in the appraisal industry. What does housing finance impact currently when it comes to the appraisal industry? What does this mean for the future of the appraisal industry? How is new technology shaping appraisers directly in the field? These questions and much more will be answered between Dave, Luke, and Joan as they dive into this subject. Have any comments or would you like to submit content of your own? Email comments@appraisalbuzz.com.
The Fluid Truth conversations roll on with Attorney Shirley Skyers-Thomas and Ms. Rhonda Scales-Thacker. She is the Managing Vice President for Software Engineering and Finance Technology for Gartner. She's involved in a host of civic activities where she strives to leave her space better than she found it. We spoke about black women in leadership and our role in conversations of equity. Fluid Truth is a production of the Quinnipiac University Podcast Studio. It is hosted by Attorney & Author Shirley Skyers-Thomas and produced by Reinett Chefu. Assisted by the Podcast team: Jillian Catalano & Jake McCarthy. The executive producer is David DesRoches, director of community programming. Learn more about your ad choices. Visit megaphone.fm/adchoices
Барьцаа тавилгүй зээл авч гар утаснаасаа төлбөрөө төлж, хоорондоо ямар нэг шимтгэлгүй гүйлгээ хийж, хил хязгааргүйгээр санхүүгийн үйлчилгээ бүтээгдэхүүнийг хэрэглэдэг болоод багагүй хугацаа өнгөрчээ.Finance Technology гэсэн үгний товчлол болох финтекийн зах зээлийн эрсдэл, аюулгүй байдалд итгэж болох уу гэсэн сэдвээр тоймч Г. Байгаль та бүхэнд мэдээлнэ.
新市長、Eric Adams は独自の哲学を持った自分軸で生きる人のようです。 lifelong learner 生涯学習者 Black History Month 黒人歴史月間 at the stroke of midnight 深夜０時ちょうどに be sworn in 就任の宣誓をする the ball drop take oath 真実を誓う the ongoing surge in ～ とどまるところを知らない〜の急増 affordability ≒ cost of living 適正価格 ultra-left ≒ radical 急進的な、革命的な ＊詳しくは後半のDeepen your vocabulary.をお聞きください。 define 定義づけする Quote from the mayor “I don't want people to put me in a box. There's some things I'm conservative thinking about, moderate thinking about, uh, ultra-left thinking about. That is who I am! And, I tell New Yorkers and Americans: ‘Don't let people define you!' (Y'know?) I know who I am! I don't need any title. I'm Eric Adams.” go through ～ つらい経験をする fintech 金融（Finance）と技術（Technology）を結びつけたさまざまな革新的な動きを指す。 convert 替える cryptocurrency 暗号資産 Ethereum イーサリアム Bitcoin ビットコイン magnet for talent 才能を引き付ける場所 英文スクリプトはウェブサイト https://nybreeze.info/ をご覧ください。
Pushpendra Mehta meets with Craig Jeffery, Managing Partner of Strategic Treasurer, to review the latest treasury news and developments. Topics of discussion center around MUFG's launch of a proprietary stablecoin platform, the impact of embedded finance, Volante and FIMBank extending cloud payments, and Russia's move to regulate cryptocurrency. MUFG Launches proprietary stablecoin platform https://ctmfile.com/story/industry-roundup-11-february-2022 Embedded finance: The future of finance https://ctmfile.com/story/embedded-finance-the-future-of-finance Cloud payments – Volante and FIMBank https://ctmfile.com/story/industry-roundup-tenth-february Crypto: Russia's move from outlawing it to regulating it https://ctmfile.com/story/industry-roundup-tenth-february
The '00s. A time of excitement and transition for the Cucamonga Valley Water District. Learn about our CVWD's talented water professionals and the expansion of our water delivery system from our very own Director of Human Resources & Risk Management, Roberta Perez, and Director of Finance & Technology, Chad Brantley.
Miguel Armaza sits down with Eric Dunn, CEO of Quicken, one of the largest personal finance software companies in the US with over 17 million clients and also one of the original fintech brands, launched over 30 years ago. In this episode, they discuss: - Eric's career and why he decided to join Intuit in 1986 as employee #4! - Becoming an investor and reflections from the years he spent in Venture Capital + how it made him a better operator - Quicken's journey and some of their challenges and reflections from 35+ years - Thought process behind Intuit's decision to spin off Quicken - His management approach and frameworks to make strategic company decisions - Analysis of a fast-growing fintech space - And a lot more! Eric Dunn Eric has served as the CEO of Quicken Inc since 2016. He has been part of the Quicken business since its early days – he joined Intuit, Quicken's previous owner, as employee #4 in 1986, when Quicken was the only Intuit software product. Over the course of his 20 years at Intuit Eric served as the CFO through the 1993 IPO and merger with ChipSoft (TurboTax); while he was CFO, he was also a software developer who worked on almost all of the early versions of Quicken; he was the first VP/general manager of the Quicken business; he was Intuit's first CTO; and then led Intuit's payments business during an additional tour of duty at Intuit in 2010-2015. Eric retired from Intuit in 2000 to pursue a second career in technology investing, first as an angel investor and then as a General Partner at Cardinal Venture Capital. Eric has served on the boards of directors of dozens of companies and organizations, including six public companies. Eric is married and has two children, both recently graduated from college and employed. In his free time, Eric plays tennis and squash and is a piano student. He is also a helicopter pilot and flies a Robinson R66. About Quicken Quicken is the #1 personal finance software in the US. For over 30 years, customers have relied on Quicken to manage all their finances, so they can lead healthy financial lives. In 2016, Quicken, formerly part of Intuit, became an independent company. Its desktop and cloud product suite includes a family of products that cater to different financial needs and device preferences — Quicken Starter Edition, Quicken Deluxe, Quicken Premier, and Quicken Home & Business, all of which can sync with Quicken's website and mobile apps — as well as Simplifi for mobile and web. Simplifi, named the "best budgeting app" by The New York Times' Wirecutter, is designed to help a new generation of mobile-first customers easily stay on top of their finances. Over 17 million people have used a Quicken product to manage their finances. Learn more at www.quicken.com.
Today's episode of Building Bridges is my conversation with Byrne Hobart, an investor based in Austin, Texas, and a writer at the popular newsletter The Diff.I have Eugene Wei to thank for recommending Byrne Hobart's newsletter The Diff early during the lockdown in 2020. Byrne was already on my radar somewhat, so I jumped on the occasion and immediately subscribed to the extraordinary, dense, 5-email a week product that is The Diff.I'm still enjoying it almost one year later because it spans the many different topics I'm interested in, from finance to economic development to industry deep dives to country focuses—with a few powerful recurring ideas and all the depth & breadth we should be looking for in our everyday reading. Should I mention that Byrne's has become one of the most popular paying newsletters on Substack?Before you go and explore The Diff, however, listen to the podcast
Data, data everywhere, and none of it in the right place or in the right formatPerformance cannot be managed (see what I did there?) without data. And yet data –because it is in the wrong format, because it is in the wrong place, because it is poorly defined, because we don’t have the ability or the resources or the time to transform it into what our systems need – is ever a challenge. Data is, quite simply put, hard. FinTech Innovations aims to alleviate that challenge and make data easy.See a problem, fix a problemThe performance management world is small (which suggests that alas this podcast’s audience will necessarily follow suit unless we figure out how to break out – we’re working on it): I’ve known Matthias for at least a decade although when I first met him he was (I think – it was a while ago) an independent consultant.How did Matthias go from that most independent (and arguably isolated) place to software entrepreneur? What made him leave HFM and FDMEE (apologies to all of you bass players out there – just listen and you’ll understand) behind and focus solely on the manifold problems that are data? Why would someone leave the relatively stable world of consulting for risky entrepreneurship? You, Loyal Listener, have but to listen to know.How did he solve it? With ICE Cloud.Before/after/during the podcast, have a look at ICE Cloud. Whether you’re a customer of Oracle, OneStream, AnaPlan, Blackline, Workivia, or one of the other players in the performance management space or if your firm uses Oracle, SAP, Microsoft Dynamics, or NetSuite, ICE Cloud can talk to all of them and in the cloud. ICE Cloud is a complete end-to-end data integration tool, almost completely graphical. It’s pretty astounding and lets functional (aka normal not supergeeks although they too can profit from the tool) people own data.Schedule a demo, learn more about the product, understand the platform, and even get a free PoC. It’s all but a click away. I encourage you to explore ICE Cloud. And oh yeah, one other other thingI continue to be fascinated by the music/math/logic connection. Think of the people you know in this field that practice music. It’s everywhere and Matthias is no exception although most of us haven’t made to a show like Das Supertalent. You’ll have to listen till the end of the show to hear him in action. He is quite good.Hear the conversationWe hope you like the episode as much as we do. If you do enjoy it, please give us a good rating on the provider of your choice as it both bathes our ever-needy egos and also – and rather more importantly – allows listeners just like you to more easily find EPM Conversations. Join us, won’t you?
"Mi chiamo Bond, social bond", con Fiorenza Lipparini, founding partner PlusValue, Research Fellow dell'Institute of Finance & Technology di UCL, e Valentina Canalini, Avvocata, Counsel presso Gianni, Origoni, Grippo, Cappelli & Partners.
"Mi chiamo Bond, social bond", con Fiorenza Lipparini, founding partner PlusValue, Research Fellow dell'Institute of Finance & Technology di UCL, e Valentina Canalini, Avvocata, Counsel presso Gianni, Origoni, Grippo, Cappelli & Partners.
Do you have regrets? Wishing you could turn back the clock and buy bitcoin instead of studip sh*t? Check out bitcoinorshit.com.Julian Antonescu is a representative from MoneyMe.Do us a favour and complete the listener survey. It takes 5 minutes and it's the best way to let us know what it is that you're thinking and what you'd like to hear on the show.If you'd like to get a full picture of your financial health Download the WeMoney app. Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.DisclaimerWe Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation
We recorded this episode at our February 2021 Data Science Salon Virtual on Healthcare, Finance & Technology. Formulated.by’s Senior Content Advisor, Q McCallum, sat down with Ayda Farhadi, Senior Data Scientist at UPS, and Vasileios Stathias, Lead Data Scientist at Sylvester Comprehensive Cancer Center to discuss applying AI to healthcare.
Gemma Milne talks with Jack McCullough, founder of the CFO Leadership Council about how CFOs can keep up with accelerated forecasting demands without sacrificing accuracy, the impact of automation on finance org functions, how CFOs can shift to make more proactive decisions, and some of the biggest near-term opportunities CFOs should be preparing for. About Jack McCulloughJack McCullough is the founder of the CFO Leadership Council, a global organization whose mission is to empower CFOs through cutting-edge professional development programs and peer networking. He is a CPA who has served as CFO for 26 different organizations during his career. He recently published his first book, Secrets of Rockstar CFOs, based on conversations with more than 40 of the world’s best financial executives. Jack is also a contributor to the Forbes CFO Network, where he shares insights on the issues facing CFOs and their teams. Jack holds an MBA from the MIT Sloan School of Management, and lives in Massachusetts with his wife and two teenage sons.Learn more:https://cfoleadershipcouncil.com/jackmccullough/ Topics of discussionHow the CFO role has evolved (02:52)The importance of culture and technology, and the relationship between the two (09:04)Striking a balance between short-term, reactive responses and long-term investments (12:27)Which technologies should CFOs be prioritizing (16:40)How large and small businesses have been forced to pivot to survive (21:29)Where are the biggest opportunities coming up for CFOs (23:59) Sponsor linkLearn how Microsoft Dynamics 365 Finance is helping organizations monitor the performance of global financial operations in real time, predict future outcomes, and make data-driven decisions to drive growth. Request a live demo today: https://aka.ms/AA8l72b Register for Finance Reimagined on February 24, 2021Connect with finance leaders and gain valuable insight as we respond to, recover from, and reimagine the future beyond the global health crisis. #msftFinanceReimagined aka.ms/msftFinanceReimagined Helpful linksFollow us on social mediaTwitter: https://twitter.com/msftdynamics365LinkedIn: https://www.linkedin.com/showcase/microsoft-dynamicsYouTube: https://www.youtube.com/channel/UCJGCg4rB3QSs8y_1FquelBQ
Host Gemma Milne talks with KPMG Australia’s John Munnelly about some of the biggest recent shifts in finance organizations, maintaining momentum toward organizational change, the impact of new ways of working, and the eight facets of building a connected enterprise. About John Munnelly John Munnelly is the Global Microsoft Business Applications Lead and the Partner responsible for cloud implementation services for KPMG Australia. He is committed to delivering quality business solutions to customers, enabling them to streamline operations, get real-time visibility across their entire business, and make smarter, informed business decisions. John has more than 20 years’ experience in technology enablement and business systems. He has extensive knowledge of the following sectors: retail, government (health and defense), community care, education, business services, distribution, and construction. Learn more: home.kpmg/directroute Topics of discussion The essential elements of continuous improvement (08:57)Assessing must-have transformational items versus wish-list items (12:13)How organizations can benefit from outside perspectives to identify blind spots (19:14)What organizations should look for when trying to measure and track success (21:52)Balancing normal operational needs with the need to change (24:02)Which technology is most relevant to finance organizations now, and 3-5 years from now (31:22) Sponsor link Learn how Microsoft Dynamics 365 Finance is helping organizations monitor the performance of global financial operations in real time, predict future outcomes, and make data-driven decisions to drive growth. Request a live demo today: https://aka.ms/AA8l72b Register for Finance Reimagined on February 24, 2021 Connect with finance leaders and gain valuable insight as we respond to, recover from, and reimagine the future beyond the global health crisis. #msftFinanceReimagined Aka.ms/msftFinanceReimagined Helpful links Follow us on social media Twitter: https://twitter.com/msftdynamics365 LinkedIn: https://www.linkedin.com/showcase/microsoft-dynamics YouTube: https://www.youtube.com/channel/UCJGCg4rB3QSs8y_1FquelBQ
Whether you're starting or working for a payments/fintech business, embracing an entrepreneurial mindset can be key to success. Beyond that, having a handle on personal finance, including leveraging technology, will help you navigate the ups and downs of a career and business ventures. Henry Daas, serial entrepreneur, founder of daasKnowledge, and author of FQ: Financial Intelligence, joins the show to offer up insight from decades of experience. Find show notes and more at: https://www.soarpay.com/podcast/
As with virtually every other area of the credit union, finance is increasingly driven by technology. CPA.com is a leader in providing technology that drives innovation within the finance space. Its RIVIO Clearinghouse has helped support the transformation of financial information exchange in the U.S. market. Kalil Merhib is the leader of CPA.com’s sales organization. He was instrumental in leading the launch of RIVIO. In this episode, sponsored by CPA.com, Merhib discusses how RIVIO facilitates the audit process at credit unions and improves the member service experience. Digital technology is disrupting the traditional business model in the finance ecosystem, says Merhib. This agile environment requires a willingness “to learn, relearn, and unlearn” to keep in step with the shifting demands and increased complexity of data. “You're seeing more data and metadata around the information that's being exchanged,” says Merhib. “That allows for stakeholders to make better decisions and have more insights into what's going on in their ecosystem.”
In this episode, we connect with Jennifer Ham, MVP, APAC Global Business Sales, and Rhonda Scales-Thacker, VP, Software Engineering, Finance Technology to discuss their career paths and experiences at Gartner. Our guests share what it's like to lead teams in male-dominated industries, how they mentor the next generation of business leaders and their advice for long-term success.
EP23 FinTech ไขข้อข้องใจเกี่ยวกับ Finance Technology ติดตามได้ที่ blockdit - https://www.blockdit.com/articles/5ec507bd63137b0c6a00a191/# youtube - https://youtu.be/lCLHbY5mMag Facebook - https://www.facebook.com/girlone2020 *** บันทึกเสียง 20/5/2020 *** อ้างอิง : https://setzero.co/content/43199/ https://www.bot.or.th/Thai/BOTMagazine/Pages/256203CoverStory.aspx https://thaifintech.org/top-10-fintech-startup/ --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/ratree/support
When you think of the lending industry, you may not think of loan syndication. And that's OK, but up until this interview, neither had I. Annelise Osborne is the Head of Strategy for Metechi. Metechi is, "a Syndication Marketplace providing lenders instant access to CRE, NPLs and C&I loans originated by banks and institutional investors." We had a great time during this interview discussing how this could give the local and regional banks far greater flexibility when it comes to selling their loans. In a world where headlines are dominated by consumer facing companies, you won't often find out about fintech companies like Metechi, and that makes this episode that much more worthwhile to listen to.
AI use cases and applications in financial services continue to grow. Data, transparency and education around implementing AI are essential, but ultimately who is responsible for the AI’s decisions and actions – the machine or the person? Huy Nguyen Trieu, Co-Founder of the Centre for Finance Technology and Entrepreneurship and Finastra’s Chirine BenZaied, Director Innovation discuss in our latest Open Finance podcast.
Paul Onnen, the VP of Finance Technology at Amazon, sits down with Sean Boyle, the former CFO of AWS, to discuss his approach at building high-performance, globally scalable financial systems that support Amazon's current and future growth.
Interview with Greg Feller, President of Mogo Finance Technology Inc (TSX: MOGO).Making money by educating Millennials/technically literate individuals? That's exactly what Vancouver-based digital challenger bank/neobank MOGO offers. This is an innovative company with a smart and dynamic management team. They think they can dramatically change the company's performance and valuation this year.Great product development track record (Carbon Credit Off-set Card anyone). Now we find out how they plan to develop the share price in 2020.In this interview with Feller, we wanted to get to the heart of MOGO's business plan and understand what sets them apart from the competition. Mogo was founded in 2003 by Feller and his brother, David Marshall Feller. MOGO offers a variety of neobanking service, such as personal loans, identity fraud protection, a cryptocurrency service, credit score facilities (via Equifax), prepaid visa cards and, as of January 2017, it now provides a mortgage brokering service.MOGO was listed in the TSX in 2015, and is also listed in the NYSE. The team is impressive and well versed in this sphere: Feller's background is in technology banking on Wall Street.Feller intends to target young people who lack financial awareness and education. Millennials are digitally minded, so creating a fun, unique and innovative platform, Mogo hopes to provide a better service than big institutional banks. Millennials can take control of their finances, particularly their credit scores, and avoid becoming sup-prime consumers with a mountain of interest payments of future borrowing. We have only a few worries. Is what Mogo does that unique and innovative to make it stand out? Is this all a little bit like a preachy parent telling their kids off? Will Millennials find this platform fun enough to make the effort to move from a bank they otherwise would have stayed with permanently? Is domestic Canada a big enough market, or should Mogo be looking to go international?Mogo has almost 1 million Members, with average revenue of CAD$70 per consumer, per annum. This compares interestingly to credit unions, who make an average profit of CAD$1,300 per consumer, per annum. Mogo believes it can grow to 2-3M members and a CAD$150 average revenue in the next 5 years and is currently gaining 20,000 subscribers per month.The share price has been largely stagnant for the last 5 years, and this might concern some investors. We need to see a catalyst for growth. Feller explains that Mogo's transition from the market perception of an on-balance sheet lender into an off-balance sheet fintech will be the spark that shareholders crave. Perhaps international strategic partners might help things, though Feller is quick to play this down.All in all, we feel MOGO is a great service, but can it return value for shareholders? Mogo has a share price of CAD$3.49 and a market cap of CAD$95M. It's been very static for the last 4-yrs, but Feller says this could be a break-out year if they can be seen as an off-balance sheet fintech. The valuation multiples change dramatically.Company page: https://www.mogo.ca/Make smarter investment decisions, subscribe here: https://www.cruxinvestor.comFor FREE unbiased investment information, follow us on Twitter, LinkedIn and Facebook:https://twitter.com/cruxinvestorhttps://www.linkedin.com/company/crux-investor/https://www.facebook.com/cruxinvestorTake advantage, hear it here first: https://www.youtube.com/CRUXinvestor
In this episode Brian McMahon, Head of Risk, Audit and Finance Technology of Capital One, discusses the balancing act of finding the top talent in a tech category not known for its diversity. A tough mission but they're on it. Join us for more discussion around diversity and inclusion at The 2020 Women's Leadership Forum: Eyes Wide Open on March 26th. Purchase your tickets today! Go to adclub.org/womens2020
Many organizations are realizing the tremendous value of having a workforce educated on the latest developments in fintech. But what are some of the most crucial topics folks are learning about in fintech? What are some of the things entrepreneurs need to know about fintech? What does fintech education even look like? To answer questions like these and more, we were joined by Janos Barberis, Head of Entrepreneurship at CFTE or the Center for Finance Technology, and Entrepreneurship. CFTE works to address the needs of professionals in finance and technologists to upskill in a rapidly changing industry being transformed by emerging technologies. Janos is also the Founder of SuperCharger, the largest Fintech Accelerator in Asia, and a PhD candidate at the University of Hong Kong, and had tremendous insight to share! Find show notes and more at: https://www.soarpay.com/podcast/
Our expert hosts, David Brear and Simon Taylor, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include: Tram Anh Nguyen - Co-Founder of the Centre for Finance Technology and Entrepreneurship Shafali Gupta - VP Strategy & Ops at Fluidly Nathalie Oestmann - COO of Curve We cover the following stories from the fintech and financial services space: The bids are in for Singapore’s digital banking licence (03:01) Banking errors open the new year (16:35) Hackers hold Travelex to ransom (27:11) UK regulators at work on digital data strategies (31:20) Monzo allegedly meeting with large investors to raise between £50 and £100 million in early 2020 (40:23) Australian Prudential Regulation Authority begins full investigation into Westpac over earlier child exploitation allegations (40:45) Citi starts recruitment drive to hire 2,500 coders from around the world (41:26) PayPal will acquire shopping rewards company Honey for £4 billion (42:20) Australia pauses Open Banking over security concerns (43:46) Tandem causes “Tandemonium” with £6 monthly fee (48:13) Influencers Bó it for the ‘Gram (57:50) This episode is brought to you by FinovateEurope in Berlin on 11th – 13th February. Built around live, 7-minute demos of the latest fintech innovations, FinovateEurope is the continent’s premier fintech event. Network with more than 1200 senior-level attendees – with more than 50% from financial institutions. And gain insights from 150 expert speakers, who will be sharing their insights on the future of finance. For more information visit finovateeurope.com (https://bit.ly/37KUhoU), and quote VIP Code 11FS for a 20% discount on your registration. Love fintech? Then sign up for our newsletter, Fintech in Five. A snack-sized selection of the week's biggest stories, longer reads, soundbites and more. Just visit this link to sign up! 11fs.com/newsletter Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates, Leda Glyptis and Sarah Kocianski and joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive in subject matters such as APIs, AI or digital banking. If you enjoyed don't forget to subscribe and please leave a review Follow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com! Special Guests: Nathalie Oestmann, Shafali Gupta, and Tram Anh Nguyen.
How technology is advancing investment in fine art; Data analytics, blockchain, and the power shift with social media. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/contemporaryequity/support
Senior Development manager of Shawbrook Bank - Sarah Woolf joins our host Kris Corns.If you have a question for the next #CrystalCast, simply tweet @CrystalS_F #CrystalCast with your question.Support the show (https://www.crystalsf.com/)
前回からフィンテック（FinTech）について話しています。フィンテック（FinTech）とは、ファイナンス（Finance）とテクノロジー（Technology）を組み合わせたファイナンステクノロジーの略語です。例えば、決済サービスや送金サービス、家計簿アプリというサービスを総称して、フィンテックと言います。デジタル通信技術の革命によって、金融サービスがどんどん新しいものができるようになってきたということと思っていいと思います。今日は、フィンテックに関わる規制について話したいと思います。 なぜ規制なのかと言えば、金融サービスはどこの国でも大体基本的に厳しく規制された業種です。新規参入も限定的な所が多いです。そのために他産業ではＩＣＴの進歩を背景として様々に進化したサービスの提供が行われる中で、取り残されてきた面があります。しかし、そもそもお金に関わる金融サービスは、ＩＣＴ技術との適合性が本来高く、活用による進化の余地も大きい業種と思われます。したがって、フィンテックの進展によって今後金融サービスが一変する可能性もあります。そのような認識から各国とも自国においてこの分野のイノベーションを促進することで競争力のあるサービスを育成しようと規制のあり方を再検討して緩和の仕方にも工夫をこらしています。 その１つが金融機関にオープンＡＰＩの受け入れを促すものです。つまり、金融機関に対してフィンテック業者が銀行等の持つ元帳上の顧客の口座情報やアクセスすることを許すように金融機関、銀行に働きかけを行っています。フィンテック事業者はそれにより顧客に提供できるサービスの内容の充実・向上が図れます。それ以前にも、顧客の口座情報にアクセスする方法がなかったわけではなく、お客さんからＩＤやＰＷを預かれば良かったですが、セキュリティー上やデータの正確性等の点で問題があってお客さんも警戒するので、フィンテックの進展を妨げてきた面があります。各国でこのＡＰＩの積極導入が図られる中、我が国でも金融庁が銀行に対してこの導入のための努力義務を金融機関に課しています。 それからもう１つが、レギュレーション・サンドボックス、規制の砂場と言われるものですが、これは法改正をするまでもなく規制のハードルを低くして革新的技術に基づいて開発段階にある商品やサービスを試験的に導入できるようにして、それをイノベーションに繋げようという仕組みです。砂場で子供を遊ばせるように、限定した領域内で試験的に事業を行う事が可能となる仕組みです。これは2016年にイギリスで導入されて、その後シンガポール・香港・マレーシア・オーストラリア等が追随して、日本でも2018年に制度整備がなされました。また、そもそも新規事業をしようとした時に、何らかの規制に抵触するのかどうかがはっきりしないことが新規事業を計画するに当たって大きな障害になると思います。日本ではこれへの対策として2016年にグレーゾーン解消制度が設けられました。これはあらかじめ規制の適用の有無をその事業を所管する官庁に確認できる制度です。これはですね2001年に始められた、所謂ノーアクションレター制度です。正式には、法令適用事前確認手続です。これ対象を広げたものです。以前からあったノーアクションレター制度とは、新規事業をやろうとする人が紹介する先もそれぞれの規制の担当官庁でした。これに対してグレーゾーン解消制度では、法令だけではなくて制令やあと通達等も含めたより広い規制の有無について、それをやろうとする事業の担当官庁に紹介できます。いわばワンストップサービス的な対応が期待できる制度です。 更にもう少し大きな話として、基本的な法制の枠組みの変更も検討されています。これ従来金融分野においては、銀行・保険・証券、それから比較的新しい所で送金業者それぞれの業態毎に銀行法・保険業法・証券取引法・資金決済法などの法律が制定されてきています。これを業態毎ではなくて手がける金融サービスやそのリスクに応じた規制となるように見直すことで、そのイノベーションと利用者保護の両立を目指そうという動きです。例えば、送金という機能になる銀行とそれから送金業者に対して、従来は銀行法の様々な規定とそれから送金業者に課せられる条件は大きく異なっていましたが、その業態の違いに関わらず送金事業を行うための機能やリスクに応じた規制を横断的に適用しようというものです。これによって、規制の隙間を埋めるとともに新たなビジネスモデルを持つ企業が業態の壁に囚われずに参入しやすくなることを目指しています。 以上を見てきたように、フィンテックがもたらす新しいビジネスチャンス、イノベーションへの期待からフィンテック企業や金融機関のみならず、規制当局も積極的かつ柔軟に変化に応えようとしてきています。我が国のこれまでの金融サービスはＡＴＭの機能に象徴されるように、相対的には優れた面を持つ一方で、高止まりした現金決済比率など利便性の点では課題も多く抱えていました。今後ともフィンテックに対して官民が調和した取り組みを継続することで金融サービスにより多くの新しい付加価値を取り込んで経済への貢献を強めていこと事が期待されると思います。 今日のまとめです。フィンテック企業や既存の金融機関による新たな金融サービスのメニューが続々と生まれていますが、一方で規制当局による技術の変化と調和した規制への見直しの動きも見落とすことはできません。金融サービスのイノベーションのためには、両社の調和が欠かせないと言えるでしょう。
今日はフィンテック（FinTech）についてお話をしたいと思います。フィンテックという言葉もだいぶん耳に馴染んできたと思いますし、またフィンテックのサービスも非常に身近になってきたと思います。このフィンテックを銀行業との関連を中心に今回と次回の２回で取り上げたいと思います。 フィンテックのサービスとは、家計簿アプリや送金サービス、それ以外の決済サービスです。例えば、スマホでの決済や証券投資の際のロボティックアドバイザーなどがあります。実は、私も証券投資関連などの幾つかのフィンテックサービスのアプリケーションをダウンロードはしていますが、ほとんど実際は使っていないという実態です。 フィンテックとは、ファイナンス（Finance）金融とテクノロジー（Technology）を組み合わせたファイナンステクノロジーの略語ですが、所謂ＩＣＴ（Information and Communication Technology）これを駆使して金融分野に革新的で破壊的な商品やサービスを産み出そうという動きです。基本的には既存の金融機関が持つ総合的な金融サービスの内の一部の機能に特化して、低コストかつより利便性の高いサービスを提供しようとしています。前にお話した仮想通貨などもこのフィンテックの産物と言えると思います。福岡では地方銀行も先進的なアプリケーションを開発してサービスを広げているところがあって、他県の地銀にもこれを提供してフィンテックのネットワークを広げようとしているという動きも見られます。 このフィンテックという言葉自体は、2000年代初頭から使われだしたらしいですが、草分けとしてはテスラでお馴染みのイーロン・マスク氏が1998年にアメリカに立ち上げた送金サービス会社PayPalが起源と言われています。小切手の振り出しや銀行のメインのコンピュータを動かすこと無しに、PayPal上に設けた口座間での送金を行うサービスです。利便性が受けましたが、この頃はまだＰＣでの利用が前提で、その他のフィンテックサービスが続々と続いてくるという展開にはなりませんでした。シェアリングサービスなどと同様に、2008年のiPhoneの発売によってフィンテックは爆発的な流れになったと言えると思います。日本ではインターネットユーザーが比較的限られていたことと、小切手決済ではなくて銀行振り込みが中心だこと、元々現金への依存度が高いことがアメリカとは状況が異なっていたこともあって、フィンテックとしての目立った展開は中々見られませんでした。 これが大きな話題となったのは２，３年前に海外での隆盛によって、それを視察に行ったメガ銀行の幹部によって銀行にとっての大きな脅威と捉えるようになってからと思います。このフィンテックの隆盛の一つの背景には、預金や為替の業務が銀行の固有業務として長らく銀行以外には許されない業務となってきたということがあって、その一方でそれが大規模なシステムの一環としてサービス提供されてきたために、使い勝手が決して良くなかったということがあります。何十万という口座の管理や膨大な数の取引の決済を確実に実施することが重視されて、その分個々のお客のニーズに沿った細やかなサービスには少し欠けていたということがあると思います。そのような意味で高コストで、しかも融通が利かなかったということです。しかし、ＩＣＴの進歩により大きな投資無しに顧客目線に立って銀行の固有業務に関連するサービスが安価に提供出来るようになって、新しい事業者に参入する余地が出てきました。銀行は当初預金業務が出来るのは銀行だけで、その利用を避けては通れないということ、それから預金口座という顧客との接点を銀行は押さえているということから、このフィンテックの脅威は限られたものだと見ていた節があります。しかし、フィンテック企業のサービスが多機能化して、預金者がフィンテック企業とその提携企業が形成するサービスのエコシステム、サービスの生態系です。これに取り組まれてしまうと、銀行などのサービスはフィンテックのサービスを通過させる土管のような存在になってしまうという危機感が強まりました。そのため、現在では銀行もフィンテック機能の取り込みを狙って、フィンテック事業者との提携、或いは買収に積極的になっている他、自らスタートアップ企業を見出すために、ハッカソン（hackathon）を行なっています。これはソフトウエア開発業者の技能やアイデアを競う様な催しです。このような傾向は各国で金融監督当局が規制緩和に動いていることもあり、この流れは強まっています。フィンテックに対する規制については、次回お話をしたいと思います。 銀行にとってはフィンテックはもう無視できない存在になっています。当初は脅威であって、でもそのフィンテックを巻き込んで一緒に共存していく方法を探っていかないといけないという事なんでしょうか。例えば、アメリカにＪＰモルガンという銀行がありますが、ここはフィンテックは基本的に影響は限られていると言いながら、今よく聞く話は、このＪＰモルガンが世界最大のフィンテック業者になるのではないかと言われています。 今日のまとめです。フィンテックとは、ファイナンスとテクノロジーを組み合わせたファイナンステクノロジーの略で、既存の金融機関が苦手な個々の顧客のニーズに沿った細やかなサービスを武器に顧客に浸透しつつあります。提携等によりサービスのエコシステムを形成することで、既存の金融機関と主客逆転をもたらしかねないという危機感から、銀行など金融機関も積極的にそのサービスの取り込みに動いています。
Wir von paymentandbanking waren diesjährige Medienpartner der Bitkom Digital Banking Conference 2017. Die Digital Banking Conference zeigte das große Potential von Finance Technology. Innovationen, Regulierung, Verbrauchervertrauen, Zahlungsverkehr und Wertschöpfung. Und das waren nur einige der Themen, die Entscheider aus Banken, Technologie-Unternehmen und Start-ups auf der zweitägigen Konferenz diskutierten. Die Finanzwirtschaft steht nicht mehr vor dem großen digitalen Umbruch, sie ist mitten drin. Banking as a Service und die Automatisierung von Vermögensverwaltung und -beratung unter dem Schlagwort „Roboadvisory“ zeigen eindrucksvoll das Potenzial von Finance Technology. Außerdem verändern sich sowohl die Geschäftsmodelle von Finanzdienstleistern als auch der Kundenalltag, zum Beispiel wenn die technische Standardisierung in Endgeräten und Kassenterminals nicht nur das bargeldlose, sondern auch das kontaktlose Zahlen ermöglichen. Aus dem Team zu Gast war André M. Bajorat und moderierte das Panel zur „Zukunft des Zahlungsverkehrs - Neue Akteure, Neue Chancen“ und sprach mit Jan Goslicki (Gründer und COO, Bitwala), Dr. Andreas Spengel (Vice President, Mastercard Germany), Bernd Wittkamp (Vorsitzender der Geschäftsführung, Star Finanz GmbH) und Dr. Jürgen Wolff (CEO, Mercedes Pay) über aktuelle Entwicklungen. Daraus ist ein hörenswerter Podcast entstanden, den wir euch nicht vorenthalten wollen. News der Woche und Spendenmöglichkeiten unter www.paymentandbanking.com
In Episode 3 of Hidden Forces, host Demetri Kofinas speaks with philosopher and theologian Mark C. Taylor. Mark is Chair of the Department of Religion and Co-Director of the Institute for Religion, Culture and Public Life. A leading figure in debates about postmodernism, Taylor has written on topics ranging from philosophy, religion, literature, art and architecture to education, media, science, technology and economics. He has authored 30 books, among which include Journeys to Selfhood: Hegel and Kierkegaard, About Religion: Economies of Faith in Virtual Culture, Confidence Games: Money and Markets in a World without Redemption, The Moment of Complexity: Emerging Network Culture, and Speed Limits: Where Time Went and Why We Have So Little Left. In this episode, we cover topics in religion, finance, art, and technology. Most importantly, we take this journey as individuals, exploring the paths blazed for us by Martin Luther and his Protestant Reformation. We build on the works of Ockham and Thomas Aquinas. We learn about economic philosophers like Adam Smith and Friedrich Hayek, who addressed the problems of non-linearity, information networks, and how complex systems create order from chaos. We look at how technology, for all its benefits, still leaves something to be desired. Perhaps this stems from a fundamental contradiction in its application to the human experience. Lastly, we ask, “what is it all for? What does it all mean? Where are we going, and why the great hurry?” Producer & Host: Demetri Kofinas Editor: Connor Lynch Join the conversation on Facebook, Instagram, and Twitter at @hiddenforcespod
© 2020-2025 Ivy Podcast Discovery LLC
