Podcasts about Financial innovation

Craig Jeffery and Dave Robertson explore embedded banking's growing role in treasury. From API-driven integration to real-time risk mitigation, they discuss how embedded banking is reshaping processes, roles, and even merger strategy. What does this shift mean for corporates, banks, and the future of treasury? Tune in to find out. CashPath Advisors

In this episode of Tech Talks Daily, I am joined by Scarlett Sieber, Chief Strategy and Growth Officer at Money20/20, to explore the key trends shaping finance's future. As Money20/20 Europe celebrates its 10th anniversary, Scarlett provides a detailed preview of what we can expect from this year's event, bringing together over 8000 senior industry leaders to discuss the evolving landscape of fintech, regulation, and technology. Money20/20 Europe is not just a conference. It is a critical platform for addressing the big questions about where money, tech, and regulation are headed. Scarlett highlights the growing collaboration between traditional banks and fintech companies, calling it the "golden era" of partnerships. This shift drives innovation, and we discuss how these partnerships are evolving to enable more personalized, efficient financial services for businesses and consumers alike. A significant focus of our conversation is the rise of stablecoins, which are transforming cross-border payments in ways similar to how the internet changed the telecom industry. We talk about the regulatory challenges that need to be addressed to fully harness their potential and ensure their adoption on a global scale.  Scarlett also shares insights into how AI revolutionizes financial services, enabling more intelligent, automated solutions while raising important questions about trust, data privacy, and security. We also discuss the impact of the UK's post-Brexit regulatory flexibility, with Scarlett explaining how this presents a unique opportunity for the UK to lead in fintech innovation. However, she points out that policy execution must keep pace with technological advancements. Tune in for a conversation about the future of fintech and a timely preview of Money20/20 Europe, where innovation and regulatory discussions will define the next wave of financial services.

The SEC was created to protect investors—but is it now protecting incumbents instead? In this episode of Context, we explore the rise of unelected bureaucracies and their hostility to innovation, using crypto regulation as a lens into a larger democratic dysfunction.   From the roots of the administrative state to today's battle between blockchain pioneers and entrenched financial regulators, we explore how bureaucratic overreach can derail progress—and what it would take for America to rediscover its courage to build.   Topics include: • SEC vs. Ripple Labs and Coinbase • Regulatory capture and the death of oversight • Blockchain, XRP, and the Internet of Value • American innovation and bureaucratic stagnation   Support the show: patreon.com/bradcoleharris

Artificial Intelligence (AI) and digital technology are redefining the global financial landscape, intensifying competition, and reshaping business models. With its robust technological foundation and highly integrated industry ecosystem, Taiwan is emerging as a pivotal hub for AI-driven financial innovation, digital transformation, and regulatory technology (RegTech).This exclusive webinar will offer deep insights into Taiwan's latest AI financial policies, banking sector digitalization, and the strategic deployment of AI in financial operations, risk management, customer engagement, and process optimization—driving the next era of financial excellence. We invite global financial leaders, industry pioneers, and decision-makers to discover why Taiwan is at the forefront of AI-powered finance and explore high-impact collaboration and investment opportunities in this dynamic market.

How technology enables new investment strategies, the role of trustees, the impact of ESG considerations, and the role of private markets in pension portfolios. A comprehensive conversation with James Lawrence of Smart Pension about the future of pensions and how smart technologies and innovative investment practices are shaping better outcomes for millions of pensioners.LINKSJames on Linkedin: https://www.linkedin.com/in/jameslawrencecfa/Smart Pension: https://www.smartpension.co.uk/Related episodes on Pensions: https://www.youtube.com/playlist?list=PLbJ1012cgPCAy2NXMIob3W30DXM3rF3OM

Hello and welcome to the latest episode of our “Sound of Finance” podcast. In today's special edition, we're taking you to Zurich for a deep dive into the Point Zero Forum 2025 – one of the most influential gatherings shaping the future of global financial services. This forum brings together central bankers, regulators, tech pioneers, and financial leaders to explore bold ideas around digital assets, AI in finance, regulatory transformation, and more. So, what's the buzz on the ground? What trends will shape our industry in the coming months? To answer these questions, Julian Schmeing, Partner at zeb consulting is joining us today. Julian is an expert on Digital Assets, DLT (Distributed-Ledger-Technologies) and crypto currencies – just to name a few.

Egg prices have been on a wild ride, with unprecedented volatility creating headaches for everyone from producers to restaurant chains. But what if there was a financial tool designed specifically to smooth out these price swings? That's exactly what StoneX has developed with their new shell egg contract.As Ryan Turner of StoneX explains, this innovative risk management solution emerges just as the company celebrates its centennial anniversary—a meaningful full-circle moment considering StoneX began as an egg brokerage in Chicago back in 1924. From those humble beginnings, they've grown into a global financial services powerhouse while maintaining deep agricultural roots.What makes this contract particularly valuable is its customer-driven origin. Turner emphasizes that the best financial products always emerge from client needs. While external factors like recent tariff announcements will impact commodity markets broadly, shell eggs remain somewhat insulated due to their predominantly domestic consumption. Nevertheless, having effective risk management tools becomes even more crucial during periods of geopolitical uncertainty. As Turner notes, once these financial instruments gain traction during volatile periods, they typically become standard industry tools for decades to follow.The industry's participation is vital for this contract to develop its full potential, Turner notes. 

In this episode of Corporate Treasury 101, we discuss the intricacies of operating a treasury function in China, one of the most highly regulated and misunderstood markets in the world. Damian Glendinning, former Group Treasurer of Lenovo and founder of Complex Countries, helps us unpack the challenges of treasury management in China, from regulatory ambiguity to the unique roles of Alipay and WeChat Pay. We cover how foreign companies can navigate this distinct financial landscape, including legal workarounds like entrustment loans, limitations around cross-border flows, and the impact of China's evolving global strategy.Damian shares insights from decades of hands-on experience, having led treasury operations in China during his time at IBM and Lenovo. He offers a nuanced, practical perspective on how treasurers can operate effectively in a market where the rules are complex and constantly changing.What You'll Learn in This EpisodeHow China's banking sector transitioned from state-run distribution to commercial bankingWhy are regulations in China often interpreted and enforced in flexible waysHow companies navigate cash pooling with tools like entrustment loansThe rise of tech giants like Alipay and WeChat Pay in filling banking gapsWhat treasurers need to know about China's efforts to reduce reliance on USD and SWIFTEpisode Breakdown with Timestamps [00:00] – Introduction & AFP Certification Promo [01:50] – Why China Is a Focus for Corporate Treasurers [03:19] – Misconceptions About China's Culture and Structure [15:31] – Evolution of the Banking System: State to Commercial [20:56] – WeChat Pay, Alipay & Financial Innovation [28:02] – Foreign Companies and Banking Limitations [33:41] – Entrustment Loans & Cash Pooling Workarounds [46:02] – Cross-Border Lending and Capital Flows [49:58] – Renminbi, SWIFT, and De-Dollarization Strategies [56:26] – The Bigger Picture: Global Integration vs. IsolationFollow Damian Glendinning & Complex Countries: Website: https://www.complexcountries.com LinkedIn: https://www.linkedin.com/in/damian-glendinning-089b44b/ Follow Corporate Treasury 101:Website: https://corporate-treasury-101.com/ LinkedIn:https://www.linkedin.com/company/86645197/admin/dashboard/ Follow Hussam & Guillaume:Hussam on LinkedIn: https://www.linkedin.com/in/hussam-ali-6bb69186/ Guillaume on LinkedIn: https://www.linkedin.com/in/guillaume-jouvencel/ Gha Marketing Website: https://ghapodcast.com/ #CorporateTreasury #InterestRates #Derivatives #CrossCurrencySwaps #FXRisk #DebtStructuring #CapitalMarkets...

AI agents are set to transform financial services by taking over tasks people currently do while enabling entirely new services, creating both challenges and opportunities for established banks and fintechs alike.• In The Pocket has evolved from a mobile app developer at the dawn of smartphones to a 200-person European digital product studio with a significant focus on AI strategy• Financial institutions must decide how to approach "agent experience" as consumers increasingly interact with their services through AI assistants• The speed of AI development means companies can't afford to wait and see, with hallucinations and high operational costs being the primary challenges• Customer support represents the most promising immediate application for AI in financial services due to its text-based, repetitive nature• Smaller fintechs currently have an advantage as they can manage the high costs of running sophisticated AI models across a smaller user base• Well-structured data remains crucial for effective AI implementation, though future models may become better at working with unstructured informationFor any questions about implementing AI and agents in your financial organization, reach out to In The Pocket's cross-disciplinary team that brings together design, technology, and strategy.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech

#225 The Future of B2B Payments: AI, Automation & Financial Innovation with Alex Louisy https://open.spotify.com/episode/3qy4Q5X2ZRjyzBfqhOA2Dl The B2B payments ecosystem represents a critical financial infrastructure that fundamentally determines an organization's economic health and operational agility. In an increasingly digital and interconnected global marketplace, businesses are confronting unprecedented challenges in managing complex financial transactions, cash flow dynamics, and technological integration. The traditional paradigms of accounts receivable and payment processing are rapidly evolving, driven by technological innovations that promise to revolutionize how companies approach financial management. Emerging technologies like artificial intelligence, machine learning, and advanced analytics are creating transformative opportunities for businesses to optimize their financial workflows, reduce operational risks, and gain unprecedented insights into their economic performance. In this illuminating podcast episode, Kevin Appleby engages in a comprehensive dialogue with Alex Louisy, the visionary Co-founder and CEO of Upflow, exploring the intricate landscape of business-to-business payment strategies and technological disruption. Louisy brings a unique Franco-American perspective, offering deep insights into the global variations of payment methodologies, technological adoption, and strategic financial management. The discussion transcends traditional financial discourse, delving into critical areas such as AI-driven automation, online payment methodologies, risk mitigation strategies, and the future of financial technology. By examining real-world data, industry trends, and practical implementation strategies, Appleby and Louisy provide business leaders and finance professionals with a sophisticated roadmap for navigating the complex and rapidly evolving world of B2B payments, emphasizing the critical importance of continuous innovation, technological adaptation, and strategic financial thinking. Key topics covered: Upflow's innovative technology helps B2B companies optimize their cash collection processes Detailed insights from the B2B Payments Trends report revealing payment collection challenges Critical analysis of invoice aging and its impact on business financial health Exploration of online payment methods and their transformative potential The emerging role of AI in automating and enhancing financial workflows Strategies for reducing non-payment risks and improving accounts receivable Comparative perspectives on payment practices between US and European markets Impact of technological innovations on financial team efficiency Discussion of payment method diversification and customer payment experience Future outlook on AI's role in financial process automation https://youtu.be/8Ta6pzF1MXc Links Alex Louisy on LinkedIn Kevin Appleby on LinkedIn GrowCFO Mentoring Timestamps 0:00:34 Initial introductions and market sentiment discussion 0:02:45 Exploring business expansion strategies 0:04:16 CFO training and AI technology trends 0:06:39 Research on AI's impact in financial sectors 0:11:04 Detailed explanation of Upflow's business model 0:19:44 Analysis of invoice payment risk factors 0:32:28 Online payment method strategies 0:38:26 Customer payment experience considerations 0:43:27 AI's potential in financial process transformation 0:49:25 Reflections on technological evolution in finance Find out more about GrowCFO If you enjoyed this podcast, you can subscribe to the GrowCFO Show with your favorite podcast app. The GrowCFO show is listed in the Apple podcast directory, Spotify and many others. Why not subscribe there today? That way, you never miss an episode. GrowCFO is a great place to extend your professional network. Join GrowCFO as a free member today and participate in our regular net...

Send us a textInnovating on Wall Street: Kristen McGarry on Data, AI, and Technical Sales

Send us a textInnovating on Wall Street: Kristen McGarry on Data, AI, and Technical Sales

You can't go to a crypto conference in 2025 without a company or a speaker mentioning the convergence of AI and digital assets. In this episode, Jason Somensatto (Head of North America Public Policy at Chainalysis) sits down with Michael Greenwald (Global Head of Financial Innovation and Digital Assets, Amazon Web Services (AWS)) to dive into the intricate world where digital assets meet cloud infrastructure through AWS. Michael shares his backstory working with the Department of Treasury and how that entered him into the world of decentralized finance and terrorist financing. He discusses AWS's essential role in supporting the digital  transformation in global finance, while also addressing the implementation challenges and potentials of generative AI in this evolving landscape. Michael outlines the critical transition from legacy financial systems to agile, cloud-enhanced infrastructures, which is imperative for economic competitiveness and highlights the commitment of AWS in enhancing digital asset scalability, cybersecurity, and collaborations with public and private sector.  Minute-by-minute episode breakdown 2 | Amazon AWS's Role in crypto and digital assets 4 | From Treasury to AWS: Michael's  journey through finance and technology 8 | The intersection of AI and digital assets in finance and cloud computing 14 | Enhancing blockchain security with AWS and Generative AI 19 | Collaboration between public and private sectors in digital assets 23 | AWS's role in the future of digital assets and global customer adoption  27 | What's in store for AWS and their digital asset and AI journey Related resources Check out more resources provided by Chainalysis that perfectly complement this episode of the Public Key. Website: AWS: New AWS generative AI innovations Website: Amazon Q Developer: The most capable generative AI–powered assistant for software development Article: Enhancing public sector digital asset security and efficiency with generative AI (by Michael Greenwald and Paul Grewal) Article: The convergence of AI and digital assets: A new dawn for financial infrastructure (by Forrest Colyer, John Liu, and Michael Greenwald) Report: The Chainalysis 2025 Crypto Crime Report (Download Your Copy Today) Blog: Leveraging Transparency for Collaboration in the Wake of Record-Breaking Bybit Theft YouTube: Chainalysis YouTube page  Twitter: Chainalysis Twitter: Building trust in blockchain Telegram: Chainalysis on Telegram Speakers on today's episode Jason Somensatto *Host*  (Head of North America Public Policy, Chainalysis) Michael Greenwald (Global Head of Financial Innovation and Digital Assets, Amazon Web Services (AWS)) This website may contain links to third-party sites that are not under the control of Chainalysis, Inc. or its affiliates (collectively “Chainalysis”). Access to such information does not imply association with, endorsement of, approval of, or recommendation by Chainalysis of the site or its operators, and Chainalysis is not responsible for the products, services, or other content hosted therein. Our podcasts are for informational purposes only, and are not intended to provide legal, tax, financial, or investment advice. Listeners should consult their own advisors before making these types of decisions. Chainalysis has no responsibility or liability for any decision made or any other acts or omissions in connection with your use of this material. Chainalysis does not guarantee or warrant the accuracy, completeness, timeliness, suitability or validity of the information in any particular podcast and will not be responsible for any claim attributable to errors, omissions, or other inaccuracies of any part of such material.  Unless stated otherwise, reference to any specific product or entity does not constitute an endorsement or recommendation by Chainalysis. The views expressed by guests are their own and their appearance on the program does not imply an endorsement of them or any entity they represent. Views and opinions expressed by Chainalysis employees are those of the employees and do not necessarily reflect the views of the company. 

Danielle Teixeira is a program manager at Fenasbac, which is linked to the Central Bank of Brazil and runs several startup acceleration programs critical to promoting financial innovation in Brazil.She joins host Aaron Stanley to discuss Fenasbac'scurrent NEXT Accelerator program, which features prominent sponsors including Banco do Brasil, Ripple, and Mercado Bitcoin, focusing on challenges ranging from blockchain implementation to tokenization of real-world assets.For fintech companies and entrepreneurs interested in entering the Brazilian market, FENASBAC's programs offer a structured pathway to engage with regulators and established financial institutions.00:00 Introduction01:59 History and evolution of FENASBAC04:32 FENASBAC's role as intermediary between Central Bank and industry06:50 Overview of innovation programs and ecosystem building08:16 Details on the NEXT Accelerator program10:20 How corporate sponsors and startups are matched13:23 Program structure and networking opportunities15:00 Current sponsors including Banco do Brazil, Ripple, and Mercado Bitcoin16:32 Ripple and Mercado Bitcoin's specific challenges21:23 Success stories from previous cohorts24:41 International expansion plans26:47 What makes FENASBAC's accelerator unique30:08 Overview of LIFT ecosystem programs34:00 Impact of LIFT Challenge on Brazil's CBDC development36:01 How these programs have influenced Brazil's financial system39:33 Preview of upcoming CVM (securities regulator) project41:26 How to get involved in FENASBAC's programsYou can connect with Danielle onLinkedin-------------------------------------------------------------------Binance is the largest platform for trading of digital assets. With over 250 million users around the world, the exchange offers over 350 trading pairs, best-in-class products and services for investors, and advanced tools for institutions players.Binance currently holds over US$ 160 billion in user assets under custody and reached a cumulative historical trading volume of $100 trillion in 2024, showcasing the trust placed in it by users worldwide.With user-focus at the core of its DNA, Binance continuously invests to increase usability, bring new features and deepen security.Liquidity matters. Security is non-negotiable.⁠ Join Binance Now⁠------------------------------------------------------------------Powered by hydroelectric energy from the ITAIPU Dam, Morphware provides high-performance compute to run, train, and build your AI apps and agents.One of the greatest expenses when it comes to building AI applications is the compute. Morphware provides a gateway to accessible compute for AI development.Using abundant clean energy from Paraguay, NVIDIA's highest performing GPU servers and bitcoin mining infrastructure, Morphware offers some of the most competitive prices for compute in the industry.Follow on X @⁠⁠⁠⁠⁠⁠⁠⁠Morphwareai⁠⁠⁠⁠⁠⁠⁠⁠ and join the⁠⁠⁠⁠⁠⁠⁠⁠Telegram⁠⁠⁠⁠⁠⁠⁠⁠ to be a part of the community----------------------------------------------------------------

We hear from Paul Harrington of Cape Breton Capital Group about what they're up to when it comes to financial innovation in the community.

About this EpisodeDexter Cousins talks with Tristan Dakin, Country Manager at Wise on the Fintech Chatter Podcast. They chat about the innovative solutions Wise provides in the payments technology space and the complexities of instant payments. Tristan speaks about the company's growth and the challenges of operating in a highly regulated environment.He shares insights into Wise's culture, the importance of transparency in financial services, and the future of fintech in Australia.About WiseWise launched in 2011 making international money transfers cheap, fair, and simple their vision. Today, their multi-currency account helps millions of customers and businesses manage their money globally.Their story started in London with Taavet (paid in Euro's) & Kristo (paid in Pounds) solving the issue of making money in one country but needing to meet payment commitments in their home country. Expensive fees and bad exchange rates led them to make a simple workaround. Taavet would pay Kristo's mortgage in Estonia and Kristo would pay him back in pounds.No waiting, no stress, and no extra cost, they quickly realised that they had hit upon a great idea and TransferWise was born. They have since added a multi-currency account, a debit card, and a business account, and changed their name to Wise.About TristanTristan joined Wise in 2020, and since 2022, has been leading Wise in ANZ as Country Manager. Before joining Wise, Tristan worked in the financial services industry, including Lombard Securities in the UK.He is skilled in FX, Banking, Management, Financial Markets, Trading, Structured Products and Derivatives, and Financial Risk.Key TakewaysWise aims to build the best way for people to move money globally.The company focuses on transparency in fees and payment processes.Instant payments are achieved through advanced technology and infrastructure.Wise's growth has been significant, with millions of active customers.The complexity of regulatory compliance is a major challenge for fintechs.Tristan's background in financial services shaped his approach at Wise.The culture at Wise emphasises autonomy and problem-solving.Australia's fintech landscape is evolving, with increasing competition.Regulatory changes could enhance transparency in the financial sector.Wise is committed to empowering customers and improving financial services.Chapters00:00    Introduction to Fintech Chatter and Wise01:15      Wise's Mission and Products03:27     Challenges of Cross-Border Payments07:09     The Complexity of Instant Payments09:10     Wise's Growth and Market Presence10:54     Wise's Centralised Infrastructure and Competitive Advantage12:32      Australia's Unique Remittance Landscape13:18      Tristan's Background and Attraction to Wise16:25     The Role of Country Manager at Wise17:55      Inspiration and Motivation in Fintech19:43     Cohesion and Culture at WISE26:51      Navigating the FinTech Landscape in Australia30:18     The Future of FinTech: Trends and Innovations38:36     Download the Wise AppSend us a textSubscribe Newsletter: https://www.linkedin.com/newsletters/fintech-leaders-7092732051488980992/Connect on Linkedin: https://bit.ly/3DsCJBp

This week financial journalist Govindraj Ethiraj is joined by Govindraj Ethiraj sits down with Vishal Kampani, Managing Director of JM Financial, to explore the dynamic evolution of India's financial landscape. From private equity to capital markets, they discuss the shifting preferences of investors, as well as the opportunities and hurdles shaping the sector. Kampani highlights the need for financial innovation, the role of family offices, and the future of the financial sector in India. Tune in to understand the contemporary pinnings of wealth management. (00:00) Introduction (02:15) Legacy, Culture and contemporary advantages of JM Financial (03:30) New competition and current trends (05:22) Building out a digital platform (07:11) Market Segmentation and expansion (10:00) Investment-life-balance and the younger generation (12:00) JM Financials range of customers (13:38) Investment banking today (17:00) Financial Innovation in India (19:00) Today vs 25 years ago (24:45) Pricing and Private equity (27:20) JM Financial's various verticals and growth (31:30) RBI and Taking a Regulatory Lens (34:11) Outlook for 2025 (37:42) Family Offices (40:00) Future of the financial sector and final thoughts ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Listeners! We await your feedback....⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The Core and The Core Report is ad supported and FREE for all readers and listeners. Write in to shiva@thecore.in for sponsorships and brand studio requirements. For more of our coverage check out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecore.in⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join and Interact anonymously on our whatsapp channel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to our Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Linkedin⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Youtube

On this episode of Paisa Vaisa, Anupam chats with Nitin Bhasin, Head of Institutional Equities at Ambit. They explore Ambit's journey, its partnership with Daiwa, and their flagship 'Good and Clean' product. Dive into groundbreaking thematic research, gain valuable insights into India's economic outlook, and uncover Nitin's top book recommendations. Don't miss this insightful conversation on finance and investment trends!Get in touch with our host Anupam Gupta on social media: Twitter: ( https://twitter.com/b50 ) Instagram: ( https://www.instagram.com/b_50/ ) LinkedIn: (https://www.linkedin.com/in/anupam9gupta/ You can listen to this show and other awesome shows on the IVM Podcasts website at https://www.ivmpodcasts.com/ You can watch the full video episodes of PaisaVaisapodcast on the YouTube channel. Do follow IVM Podcasts on social media. We are @ivmpodcasts on Facebook, Twitter, & InstagramSee omnystudio.com/listener for privacy information.

2024 wasn't just a defining year for cryptocurrency it was a personal milestone for me. As someone invested in Bitcoin and smaller players like XRP, I witnessed the market's recovery from brutal downturns to moments that felt nothing short of transformative. The buzz on platforms like Twitter and Reddit was electric, with communities rallying around projects like XRP and dissecting every twist in the market. It was the kind of collective energy that's impossible to fake, a reminder of the late 1990s when the internet turned skeptics into believers and industries into ecosystems. Cryptocurrency is no longer a niche curiosity it's center stage, with institutional backing, political recognition, and cultural relevance. In this article, I reflect on 2024's pivotal moments and explore the trends, opportunities, and challenges shaping the road ahead in 2025. Reflecting on 2024: A Milestone Year The year 2024 will forever be remembered as a pivotal chapter in the evolution of cryptocurrency. From Bitcoin's meteoric rise past $100,000 to groundbreaking regulatory shifts and the mainstream adoption of digital assets, the industry witnessed a transformation that reshaped its landscape. It was a year of resilience, innovation, and unprecedented integration into global financial and political systems, setting the stage for an even more dynamic 2025. Mainstream Adoption Through ETFs One of the defining moments of 2024 was the U.S. SEC's approval of 11 spot Bitcoin ETFs, signaling a new era of investor accessibility. By December, these ETFs held over 1.13 million BTC, reflecting significant capital inflows. Similarly, Ethereum ETFs attracted $14.28 billion, accounting for nearly 3% of Ethereum's market capitalization. Analysts predict this trend will deepen, with ETFs possibly capturing 10-20% of the market capitalization of these leading cryptocurrencies in the coming years. Bitcoin Breaks $100,000 Barrier Bitcoin shattered the elusive $100,000 milestone in November, fueled by optimism surrounding political initiatives, such as President-elect Donald Trump's proposed Bitcoin reserve. Though later corrected to $95,000, the surge underscored Bitcoin's resilience as a store of value and a hedge against inflation. The Rise of Memecoins Memecoins made an unexpected splash, with tokens like Fartcoin and the Trump-inspired Patriot token driving market excitement. The average return rate of meme coins soared to 201%, far surpassing the market average of 128%. The underlying infrastructure for this boom was Solana, a blockchain platform that hosted 89% of new meme coin projects, emphasizing its cost-effective and high-performance advantages. Political and Legislative Progress Cryptocurrency entered the political arena with record donations of $238 million during the U.S. elections, reflecting its growing influence. Meanwhile, the bipartisan "Financial Innovation and Technology Act of the 21st Century" (FIT21) laid a regulatory foundation by clarifying the distinction between securities and commodities, reducing uncertainty for industry stakeholders. State-Level Initiatives States like Ohio, Texas, and Pennsylvania made strides toward incorporating Bitcoin into their fiscal strategies. The proposed Bitcoin reserves were touted as inflation hedges, signaling a broader acceptance of cryptocurrency in government finance. Key Lessons from 2024 The events of 2024 offered invaluable insights into the cryptocurrency landscape, highlighting both opportunities and challenges. The year underscored the importance of resilience, innovation, and strategic foresight, from navigating volatile market cycles to adapting to regulatory frameworks and technological advancements. These lessons guide investors, businesses, and policymakers as they prepare for the road ahead. Volatility Is Here to Stay Bitcoin's price fluctuations throughout 2024 reaffirmed that volatility remains an intrinsic feature of the crypto market. The cryptocurrency landscape witnessed unpredi...

Guest Bio Connor McLaughlin is a seasoned investor and crypto expert with over eight years of experience in blockchain technology. With a background in surgical robotics and a passion for transformative tech, Connor shifted his focus to cryptocurrencies, particularly XRP, for their potential to revolutionize financial systems. As a registered financial advisor with Digital Wealth Partners, Connor helps clients navigate the complexities of crypto investing with a strategic and risk-averse approach. He's also featured in the documentary Rigged from the Start, which explores the challenges and future of the crypto industry.Episode Summary In this eye-opening episode, crypto expert Connor McLaughlin dives deep into the transformative potential of XRP and its role in reshaping global finance. From the inefficiencies of legacy systems like SWIFT to the revolutionary power of blockchain technology, Connor explains why XRP is uniquely positioned to solve real-world financial problems. He addresses misconceptions about XRP's market cap, its decentralization model, and its ability to unlock global liquidity. Whether you're a seasoned investor or new to crypto, this conversation will leave you with actionable insights and a fresh perspective on the future of digital assets.In This Episode, You'll Discover...Why XRP is more than just another cryptocurrency—it's a financial game-changerHow XRP streamlines cross-border payments, cutting costs and settlement timesThe real meaning behind XRP's market cap and why it doesn't limit its potentialHow decentralized networks like XRP differ from Bitcoin and why it mattersThe significance of Ripple's new stablecoin, RLUSD, in driving tokenized assetsWhy regulatory clarity in the U.S. could ignite XRP's adoption and valueConnor's strategies for investing in crypto with confidence and long-term visionConnect with Connor McLaughlinWebsite: Digital Wealth PartnersX (formerly Twitter): @MickleDocumentary: Rigged from the StartDon't miss this compelling conversation with crypto expert Connor McLaughlin. If you're curious about XRP, blockchain, or how to navigate the evolving world of crypto investing, this episode is a must-listen. Subscribe, leave a review, and share this episode to help others unlock the future of finance.

In this episode of Accrued a Fintech Confidential series presented by LoanPro, Tedd Huff and Colton Pond talk with Ben Boyer of World Acceptance about evolving financial strategies. They discuss how businesses can build lasting customer relationships by focusing on customer needs, expanding product offerings, and leveraging alternative data. Ben highlights the importance of realistic credit-building products, empathetic customer service, and accessible financial tools. The conversation emphasizes trust, transparency, and tailoring services to meet client needs while adapting to economic changes. A must-listen for businesses aiming to stay competitive and customer-focused in the financial sector. Key HighlightsThe Key to Retaining Customers You Might Be OverlookingWhy One-Size-Fits-All Credit Scores Could Be Holding You BackThe Secret to Offering Financial Products Customers Actually WantHow Expanding Your Offerings Can Keep Customers Coming BackWhat Makes a Great First Financial ProductWhy Data-Driven Decisions Beat Gut Instinct Every TimeBreaking Down Barriers to Financial SuccessHow to Balance Profitability and Customer CareWhat Most Financial Companies Get Wrong About Credit BuildingWhy Lifelong Customers Start with Exceptional Service Takeaways1️⃣ Set Clear Expectations to Earn Trust2️⃣ Simplify Financial Tools for Better Engagement3️⃣ Prioritize Trust Over Immediate Profits4️⃣ Stay Ahead by Analyzing Market Trends5️⃣ Be Proactive in Reaching Customers Links:World Finance: https://www.loansbyworld.com/aboutLinkedIn: https://www.linkedin.com/company/worldfinance/Ben Boyer Linkedin: https://www.linkedin.com/in/ben-boyer-535a272/ Fintech ConfidentialPodcast: https://fintechconfidential.com/listenNotifications: https://fintechconfidential.com/accessLinkedIn: https://www.linkedin.com/company/fintechconfidentialX: https://x.com/FTconfidentialInstagram: https://www.instagram.com/fintechconfidentialFacebook: https://www.facebook.com/fintechconfidentialSupportersSupporters LoanPro: Enhance lending operations with LoanPro's modern core. Learn more at https://loanpro.io/demoSkyflow, privacy platform trusted by leading financial institutions, to protect customers' data. www.skyflowsecure.comHAWK: Enhance compliance with real-time monitoring and advanced AI. https://gethawkai.com for better compliance About:GuestBen Boyer: Ben Boyer is a finance executive in Product Development at World Finance, previously serving as COO at Simpliphy and VP...

This week on The Nick Halaris Show we are featuring Frank Rohde, the Founder and CEO of Ownify, a company creating a new path to ownership by partnering aspiring first time homebuyers with socially conscious investors.  Frank is a serial entrepreneur with a long track record of success and someone who deeply understands the financial, social, and political barriers standing in the way of widespread, affordable homeownership.    Ready to dive in? Listen to this episode on Apple Podcasts, Spotify, Amazon Music and YouTubeor on your favorite podcast platform.I wanted to have Frank on the show to learn more about Ownify and its unique approach to solving the homebuying affordability problem.  Housing has become such a big deal in America, both for our economy and our democracy, and we need individuals like Frank and companies like Ownify, to help reverse the negative trend.  Tune in to this inspiring episode to learn:  How Ownify's all-equity financial structure enables people to buy a home with just a 2% down paymentWhy Frank and his colleagues at Ownify believe the all-equity approach is both fairer and better than other debt-based modelsHow dynamics in the mortgage industry have contributed to the worsening housing affordability crisisAll the ways that rising homeownership rates can improve a local community&Much, much moreStay tuned to the end to learn why, after stumbling across some concerning mortgage data in his last company, Frank decided to go all-in on the fight to improve access for first-time homebuyers.As always, I hope you all enjoy this episode.  Thanks for tuning in!  Connect with Nick Halaris: Nick Halaris website and newletter (sign up!) Nick Halaris on Instagram Nick Halaris on linkedin Nick Halaris on Twitter

Join Denis Stolyarov in an engaging discussion with Bhagesh Malde, Global Head of SS&C GlobeOp, Fund Services, as they delve into how cutting-edge technology is reshaping fund services and enabling Middle East fund managers to thrive. With Abu Dhabi Finance Week (ADFW) on the horizon, hear insights on SS&C's AI and RPA capabilities, ahead of panel session with SS&C's CEO Bill Stone at ADFW, highlighting the future of financial innovation. To learn more, visit our Resource Center.

Curae's financial solutions and technology tackle patient debt and enhance healthcare satisfaction. In this episode, we meet Gary Johnson, Chief Growth Officer of Curae, who shares his extensive experience in healthcare marketing and revenue cycle management. He discusses the challenges of patient bad debt and uncompensated care, highlighting how Curae's innovative financial solutions help healthcare providers and patients navigate the complexities of healthcare costs. Gary also emphasizes the importance of technology in improving revenue cycle processes and encourages healthcare providers to strive for better financial outcomes and patient satisfaction. Tune in to discover how Curae's innovative financial solutions are transforming healthcare costs and improving patient satisfaction! Resources: Connect with and follow Gary Johnson on LinkedIn. Follow Curae on LinkedIn and explore their website.

14th Nov: Blockchain DXB Podcast

“Regrettably, I don't think we're very good, to be honest, at collaborating with FinTechs, or collaborating with the private sector more broadly on solving for policy issues.” It's a podcast double feature this week, with two conversations offering a pulse check on financial innovation in Canada. First: Koho's Daniel Eberhard (CEO) and Peter Aceto (Chief Banking Officer) detail the process of becoming a licensed bank along with the benefits and risks. Second: leaders from Manzil (Mohamad Sawwaf) and Borrowell (Eva Wong) join the Department of Finance Canada's Julien Brazeau to discuss innovations focused on greater inclusion for Canada's underbanked. Recorded live at Elevate Festival. The BetaKit Podcast is presented by Uber Canada. Uber's driving positive change for riders, drivers, and communities across Toronto. Learn more about how Uber is moving Toronto forward. The BetaKit Podcast is also brought to you by The BetaKit Quiz, a new weekly challenge testing your knowledge of Canadian tech. Head to BetaKit.com/quiz every Friday, take the quiz, and see how well you score!

Aaron Krowne is Partner & Practice Group Lead Blockchain & Corporate, at Industria Business Lawyers (IBL Partners) a technology-forward distributed law firm.  Why you should listen Since its founding in 2018, IBL Partners has leveraged versatility and technology to deliver professional and sophisticated legal services for innovators in the twenty-first century technology sector. Advances in technology, including AI, Blockchain and DLT, fintech, "DeFi", and "Web3", continue to revolutionize the industry. Unfortunately, government agencies and corporate stakeholders often find themselves playing catch-up with innovation. IBL Partners leverages its collective regulatory experience and expertise in technology to navigate the regulatory uncertainty and offer clients indispensable legal support in new frontier as well as established areas of the law. Aaron Krowne is an attorney who arrived at the practice of law following a career in computing and technology, where he worked as a research data scientist.  He founded a series of online startup ventures, several of which attained global recognition. His pre-law career also includes establishing multiple online libel law precedents and participating in the early development of the Creative Commons IP license system. He was one of the first lawyers globally to focus on blockchain, initially familiarizing himself with Bitcoin and its underlying technology in its early days. Today, he advises a diverse array of blockchain and “crypto” companies, covering areas ranging from money services and AML law to NFTs, and works at the forefront of the professionalization and expansion of the rapidly-growing cryptocurrency finance and “DeFi” space. Aaron joins Andy to discuss blockchain law, regulations, the regulation by enforcement approach of many US agencies, and the Financial Innovation and Technology for the 21st Century Act. Supporting links Stabull Finance IBL Partners Andy on Twitter  Brave New Coin on Twitter Brave New Coin   If you enjoyed the show please subscribe to the Crypto Conversation and give us a 5-star rating and a positive review in whatever podcast app you are using.

When the Federal Reserve uses a ministerial task to punish financial innovation, what's a bank to do? Take them to court, for one. Caitlin Long is CEO of Custodia Bank. She and Cato's Jack Solowey detail how and why the Fed is cracking down on innovators. Hosted on Acast. See acast.com/privacy for more information.

In this month's “News From The Fintech Front" host Elizabeth Kleinveld discusses recent fintech developments with guests Bruno Diniz and Ritesh Jain. They explore major fintech news, focusing on topics like the expansion of payment company Adyen into India, investments by Japan's Credit Saison in Latin American startups, and HSBC's involvement in open property data for smoother home buying in the UK. They also delve into Brazil's innovative financial infrastructure, including PIX, open finance, and the central bank's efforts in AI and data science. Furthermore, they discuss challenges in retail CBDC adoption and MasterCard's partnerships aimed at expanding fintech opportunities in Africa and the Middle East. Throughout the conversation, the importance of financial literacy versus financial inclusion is emphasized, alongside concerns about AI biases in financial systems. ‌ Bruno Diniz https://www.linkedin.com/in/brunoevdiniz Managing Partner, Spiralem Innovation Consulting / Professor on Financial Innovation, University of Sao Paulo (USP) Regarded as one of the top fintech influencers in LATAM, Mr. Diniz is also an international speaker, and bestselling author of three books on financial innovation: The Fintech Phonomenon, The New Financial Logic, and The Age of Crypto-Economy. ‌ Dr. Ritesh Jain - Founder, Infynithttps://www.linkedin.com/in/drriteshjain/ Known for his work in payments innovation, open banking, and digital public infrastructure. He has held key roles at HSBC, VISA, Apple, and Maersk, where he developed the Apple Pay tokenization stack and led major transformations.Dr. Jain advises global payment programs like UPI, FedNow, and PIX, and is a recognized expert in financial inclusion. He is the first to earn a PhD in Open Banking and played a crucial role in Maersk's recovery from the NotPetya ransomware attack. He is also a trusted advisor to G20 and GPFI, an active fintech investor, and a sought-after speaker at global conferences.

Visa's Head of Innovation and Digital Partnerships shares insights on the future of payments, from cryptocurrencies to the creator economy.Vanessa Colella, Head of Innovation and Digital Partnerships at Visa, joins the podcast to discuss how Visa is shaping the future of finance and commerce. She explains Visa's work on stablecoins, tokenization, AI and solutions for creators and small businesses. Colella also shares her thoughts on broader fintech trends and Visa's approach to innovation focused on solving real-world problems.Links mentioned from the podcast: How Kamala Harris TikTok Remixes Reveal the Future of Music ConsumptionSquid Game: The (immersive) Experience is coming to New York City in OctoberBeing Digital book by Nicholas NegroponteWatch this episode on video:YouTubeCoinDeskFollow us on Twitter: Sam Ewen, Avery Akkineni, CoinDesk, Vayner3-"Gen C" features hosts Sam Ewen and Avery Akkineni. Executive produced by by Uyen Truong. Our theme music is "1882” by omgkirby x Channel Tres with editing by Doc Blust. Artwork by Nicole Marie Rincon.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Visa's Head of Innovation and Digital Partnerships shares insights on the future of payments, from cryptocurrencies to the creator economy.Vanessa Colella, Head of Innovation and Digital Partnerships at Visa, joins the podcast to discuss how Visa is shaping the future of finance and commerce. She explains Visa's work on stablecoins, tokenization, AI and solutions for creators and small businesses. Colella also shares her thoughts on broader fintech trends and Visa's approach to innovation focused on solving real-world problems.Links mentioned from the podcast: How Kamala Harris TikTok Remixes Reveal the Future of Music ConsumptionSquid Game: The (immersive) Experience is coming to New York City in OctoberBeing Digital book by Nicholas NegroponteWatch this episode on video:YouTubeCoinDeskFollow us on Twitter: Sam Ewen, Avery Akkineni, CoinDesk, Vayner3-"Gen C" features hosts Sam Ewen and Avery Akkineni. Executive produced by by Uyen Truong. Our theme music is "1882” by omgkirby x Channel Tres with editing by Doc Blust. Artwork by Nicole Marie Rincon.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode of the Crazy Wisdom Podcast, host Stewart Alsop welcomes Farhaj Mayan, who discusses his work with Forma in developing Solana economic zones. The conversation, held in Buenos Aires, delves into the concept of Solana-based economic zones similar to special jurisdictions like Dubai and Shenzhen. Farhaj explains the potential for these zones to attract talent and capital by offering new legal, regulatory, and economic frameworks. The discussion covers his experiences with the BuildSpace initiative and various global perspectives, including insights on Dubai's rapid development and Argentina's high crypto adoption rates. The podcast also highlights the upcoming month-long Solana economic zone event in Buenos Aires, aiming to connect international projects with local talent and investors. Check out and apply for what Forma is doing with Solana Economic Zones hereTimestamps00:19 Understanding Solana Economic Zones02:02 Buenos Aires: The First Solana Economic Zone02:20 The Unique Expat Scene in Buenos Aires03:06 Comparing Global Cities: Buenos Aires, Rio, and Dubai03:50 Dubai's Rapid Development and Economic Strategy05:00 The Diverse Social Structure of Dubai07:00 Government Initiatives and Talent Retention in Dubai08:57 The Role of Free Zones in Economic Development12:51 Singapore vs. Dubai: Competing Global Hubs14:32 The Future of Remote Work and Global Talent15:20 The Inspiration Behind Forma and Solana Economic Zones23:55 Argentina's Potential for Economic Development25:58 Argentina's Economic and Cultural Landscape27:46 Crypto Adoption in Argentina28:22 Financial Systems and Entrepreneurial Spirit29:41 Historical Context and Immigration32:33 The Future of Argentina and Global Comparisons34:57 Opportunities and Challenges in Immigration37:01 Digital Nomad Programs and Global Mobility44:18 Building Communities and Economic Zones47:36 Event Details and Final ThoughtsKey InsightsSolana Economic Zones: The concept of creating internet-native economic zones that manifest physically in different countries, aiming to drive local economic development by connecting global crypto projects with local talent.Argentina's Unique Position:High crypto adoption due to economic instability and inflationStrong education system and tech ecosystemCultural similarities to Western countriesFavorable time zone for both US and European marketsEasy immigration policies (potential for citizenship in 2 years)Argentina's Historical Context:Once one of the world's most promising economies in the early 1900sCurrent economic challenges but retaining strong cultural and educational foundationsCrypto Adoption in Argentina:Approximately 30-60% of people actively use cryptoHigh volume of stablecoin transactionsInformal peer-to-peer banking system (Cuevas) for OTC tradesThe SEZ Argentina Event:Month-long unconference formatBringing together founders, local community leaders, policymakers, and investorsFocus on "real world Solana" projects with practical applicationsCombining educational content with cultural experiencesGlobal Talent Movement:Discussion on how countries like Dubai and Singapore are attracting global talentPotential for Argentina to leverage its immigration policies for talent attractionBottom-up Community Movements:Importance of grassroots efforts in driving economic changeRole of community-led initiatives in attracting international interest and investmentBridging Online and Offline Communities:The value of bringing internet-native communities together in physical spacesPotential for creating "pop-up cities" or temporary hubs for digital nomads and crypto enthusiastsRegulatory Considerations:Discussions on creating favorable regulatory frameworks for crypto businessesBalancing international relations (e.g., US alignment) with economic opportunitiesCultural Integration:Argentina's welcoming nature and potential for integrating newcomersThe importance of shared experiences in building strong communities

Hugo Coelho is the Digital Assets Regulatory Lead at the Cambridge Centre for Alternative Finance at Cambridge Judge Business School and Financial Innovation for Impact (Fii), with a background that spans policy advising and financial market analysis. Previously, he served as Director of Policy for Europe and the UK at Binance and Partner at Forefront Advisers. On The Menu: 1. Approach to Regulation: Evidence-based, facilitating exchange of views among regulators. 2. Digital Tools: Development of tools like the Bitcoin electricity index and stablecoin mapping. 3. Political Priorities: Intersection of digital and green finance as top political priorities. 4. Balancing Innovation: Ensuring regulations are tech-neutral and understanding industry dynamics. 5. Digital Finance Integration: Role in defragmentation of financial markets and capital market integration. 6. Privacy Concerns: Potential privacy issues with Central Bank digital currencies. 7. Program Marketing: Strategies to attract regulators to the digital assets program. Click here for a free trial: https://bit.ly/495qC9U Follow us on social media to hear from us more - Facebook- https://bit.ly/3ZYLiew Instagram- https://bit.ly/3Usdrtf Linkedin- https://bit.ly/43pdmdU Twitter- https://bit.ly/43qPvKX Pinterest- https://bit.ly/3KOOa9u Happy creating! #HugoCoelho #CambridgeJudgeBusinessSchool #Outgrow #Fianance #DigitalAssets #MarketerOfTheMonth #Outgrow #Podcastoftheday #Marketingpodcast

I know some might be looking for a "man in finance," as the viral TikTok goes, but I wanted to find a woman in finance and learn about her rise to the top and how she's balancing the demands of work and her personal life. Alyssa Schaefer is the General Manager and Chief Experience Officer at Laurel Road, a digital banking platform, where Alyssa oversees all aspects of the business, including Marketing, Operations, Risk, and P&L Management. Before Laurel Road, Alyssa held several leadership positions in the financial services industry. She's also a mom of twin toddlers. In our convo, Alyssa shares the best career advice she's received, the benefits of being a generalist in her profession, and how Laurel Rode services many borrowers in the medical and healthcare fields.

Dive into our latest episode, “Revolutionizing Digital Assets: The Role of Chainlink in Financial Innovation,” where we explore how Chainlink is transforming the financial landscape! Join us as we unpack Chain.link's innovative approach to tokenization, smart contracts, and cross-chain connectivity. Discover how their groundbreaking technology is creating new opportunities for financial institutions and reshaping the future of digital assets. From collaborations with major players like Fidelity International to the potential of blockchain for emerging markets, this episode covers it all! Whether you're a fintech enthusiast or new to the world of blockchain, this conversation offers valuable insights into the future of digital finance and what's next for Chainlink. ‌ Connect with Sergey: https://www.linkedin.com/in/sergeydnazarov/ chain.link ‌

California frequently is in the vanguard of consumer financial issues and legislation, foreshadowing trends that may spread to other states. Today's episode, during which we explore important hot topics and recent developments in California consumer finance law, is hosted by Ballard Spahr partner Melanie Vartabedian, and features Partners Michael Guerrero and Joel Tasca, and Of Counsel John Kimble. We first discuss what the future likely holds for proposed rules issued under the California Consumer Financial Protection Law (CCFPL) by the California Department of Financial Protection and Innovation (DFPI). The proposed rules include complex registration and reporting requirements for certain consumer products, and are under revision after rejection by the California Office of Administrative Law for lack of clarity. We then explore the DFPI's most recent annual report on activity under the CCFPL, which recaps the DFPI's rulemaking, enforcement efforts, complaints received, and efforts in connection with education outreach and the Office of Financial Innovation. Highlights include a rule that applies consumer-type “unlawful, unfair, deceptive, or abusive acts and practices” (referred to in the report as “UUDAAP”) prohibitions to financial products and services provided to small businesses; ramped-up enforcement efforts; and high-dollar settlements as well as litigation in progress. Next, we turn to a comparison of California's Rosenthal Fair Debt Collection Practices with the federal Fair Debt Collection Practices Act, and discuss their similarities, differences, and litigation trends under both laws. We then focus on the California Consumer Credit Reporting Agencies Act, which poses challenges for companies that report consumer data to consumer reporting agencies over and above the requirements of federal law. We conclude with a look at unique issues arising in California with respect to the FTC “holder rule”.

What do a retail powerhouse, a manufacturing giant, and a financial services titan have in common? According to our guest Helen Ashton, it's the universal value of cross-sector experience. In conversation with David McClelland, Helen shares her fascinating journey through multiple industries, emphasising how diverse roles have armed her with unique insights and essential relationship-building skills. A finance leader with over 30 years of dynamic experience, Helen's expertise is a masterclass on leveraging core finance skills to adapt and thrive in new environments. She shares the common challenges finance leaders encounter and the strategic importance of honing influencing skills to drive business success. From spearheading technological innovations to nurturing a young, diverse team, Helen's time as CFO at online fashion giant ASOS is a testament to truly visionary leadership. This episode also explores how innovative hiring practices and open-minded recruitment can enhance finance teams, fostering a rich pool of future talent ready to take on CFO roles in the future. Candidly reflecting on the slow progress made in diversity and inclusion in senior finance roles and her own vision for the future of finance - transformed by data automation and strategic involvement - paint a compelling picture of a field ripe for rebranding. This episode is brimming with insights on the evolving landscape of finance leadership, championed by a true industry veteran. Helen will be judging the Global CFO 100 Awards 2024 by Soldo in partnership with HotTopics. This new award honours CFO's who are driving transformative financial strategies and innovative business practices, shaping the future of finance. Entries close on 31st August 2024, for more information visit https://hottopics.ht/global-cfo-100-awards-nominations.  Helen founded Shape Beyond after 25 years of transforming complex, high-growth organisations. She's worked at Executive Board level and led private equity portfolio businesses to successful exit. Shape Beyond's deep knowledge of the retail industry is fuelled by Helen's time as the CFO of ASOS and board member of JD Sports. We embrace digital transformation and agile, diverse cultures. Chapters: 0:03:23 - Career Growth Through Industry Diversity 0:12:04 - Finance Leader 0:18:50 - Innovation in Fashion Retail CFO Role 0:22:48 - Leveraging Data for Customer Service Improvement 0:27:03 - Fast-Paced, Customer-Centric Executive Dynamics 0:30:52 - Youthful Talent Surprises in Finance 0:33:17 - ASOS Brand Mission for 20-Somethings 0:37:22 - Diversity, Inclusion, and Authenticity in Leadership 0:43:43 - Criteria for Selecting Future CFOs About Soldo: Soldo provides company cards connected to a powerful management platform. Employees use Soldo cards to buy what they need for work without being out of pocket or going over budget. Finance teams use Soldo to distribute money instantly, while staying in control of who spends, how much, where, and on what. Thousands of businesses, from small to large corporations including Mercedes-Benz, Sony, and Get Your Guide use Soldo to make their business spending simple and efficient. To find out more or to book a demo, visit Soldo. Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to The Chopping Block – where crypto insiders Haseeb Qureshi, Tom Schmidt, Robert Leshner, and Tarun Chitra explore the latest trends in crypto. This episode explores the buzz around LeBron James' potential memecoin, the recent approval of Ether ETFs, and Biden's shifting stance on crypto policy. We dissect the implications of Trump's pro-crypto promises and the FIT21 legislation. Tune in for a lively debate on celebrity coins, the market's reaction to regulatory changes, and the evolving landscape of political influence in the crypto space. Listen to the episode on Apple Podcasts, Spotify, Overcast, Podcast Addict, Pocket Casts, Pandora, Castbox, Google Podcasts, TuneIn, Amazon Music, or on your favorite podcast platform. Show highlights

Everything you need to know about the Financial Innovation and Technology for the 21st Century Act (FIT21) that the U.S. House of Representatives recently passed and its potential impact on the digital assets ecosystem, from the legislative process behind FIT21 and the challenges of defining digital assets to the power dynamics between the SEC and CFTC, the role of LabCFTC, and the timeline for regulatory clarity. Show Highlights → Key drivers behind the push for FIT21 → How FIT21 creates clear lines of regulatory authority between the SEC and CFTC → Next steps for the bill after passing the House and what compromises or modifications will       need to be made to clear the Senate → The timeline for regulatory clarity for the digital assets ecosystem → The role of LabCFTC  

In a surprising move, the US House of Representatives passed the Financial Innovation and Technology for the 21st Century Act (FIT21) with a decisive 279 to 136 vote. This bill is a big win for the crypto industry, aiming to create much-needed rules for digital assets in the US.~This episode is sponsored by Tangem~Tangem ➜ https://bit.ly/TangemPBNUse Code: "PBN" for Additional Discounts!00:00 Intro00:18 Sponsor: Tangem00:58 FIT21 intro02:21 Maxine Waters intro03:32 Sherman wanted to ban self-custody05:21 Greg Casar: Crypto vs S&S 50005:52 Bitcoin vs Stock Market07:01 Amendment against crowdfunding09:09 Greg Casar Amendment FAILS10:20 Pro-Crypto Democrats11:15 Nancy Pelosi11:36 Maxine Closing Argument & FINAL VOTE12:44 Majority Wins13:40 Will it pass the Senate & President?15:50 Prometheum is screwed17:51 Outro#Crypto #Bitcoin #ethereum ~Crypto Bill Passes U.S. House With Majority Vote!

Rep. French Hill (R-Ark.) discusses the Financial Innovation and Technology for the 21st Century Act.To get the show every day, follow the podcast here.Rep. French Hill (R-Ark.), who serves as the Vice Chairman of the House Financial Services Committee, joins "First Mover" to break down the Financial Innovation and Technology for the 21st Century Act. Plus, his reaction to SEC Chair Gary Gensler's pushback against the bill.-Consensus is where experts convene to talk about the ideas shaping our digital future. Join developers, investors, founders, brands, policymakers and more in Austin, Texas from May 29-31. The tenth annual Consensus is curated by CoinDesk to feature the industry's most sought-after speakers, unparalleled networking opportunities and unforgettable experiences. Register now at consensus.coindesk.com.-This episode was hosted by Jennifer Sanasie. “First Mover” is produced by Jennifer Sanasie and Melissa Montañez and edited by Victor Chen.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

SEC Chair Gary Gensler says he strongly opposes the Financial Innovation and Technology for the 21st Century Act (FIT21), citing major concerns about investor protection and market integrity. President Biden has also signaled opposition but stopped short of threatening a veto.00:00 Intro00:23 Sponsor: Tangem01:01 Gary Gensler Against FIT2102:05 Gary Alone?02:35 Maxine Intro03:11 French Hill intro04:45 FTX Argument07:00 Maxine loses “Consumer Protection” argument08:28 Maxine “Come in and register” argument10:54 Memecoin Frenzy Incoming12:17 Stablecoins vs CBDC (Maxine unknowingly defends crypto)13:41 Zero-knowledge proofs14:19 Senate Floor14:42 Biden will not veto15:26 Outro#FIT21 #Crypto #Bitcoin~FIT21 Crypto Bill Debate

Bitcoin is down slightly at $70,046 Eeth is down .5% at $3,717 Binance Coin, is down .5% at 619 dollars. Gary Gensler voices opposition to House's Financial Innovation and Technology for the 21st Century Act. Vitalik Buterin transfers 80ETH through Railgun Ripple's CLO decries Gensler. Prosecutors want 5-7 years for FTX's Ryan Salame Kelp DAO raises $9M. Learn more about your ad choices. Visit megaphone.fm/adchoices

In a May 20 X post, House Republicans said the full chamber will vote on the Financial Innovation and Technology for the 21st Century (FIT21) Act “this week,” giving the bill a chance to become law. The legislation would clarify how the U.S. Commodity Futures Trading Commission (CFTC) and Securities and Exchange Commission (SEC) regulate digital assets. Expect volatility this week as political divides heat up.Stand With Crypto Action Call ➜ https://www.standwithcrypto.org/action/callFIT21 Vote Form ➜ https://support.digitalinnovationforamerica.com/FIT-21Donate To John Deaton Campaign ➜ https://secure.winred.com/johndeatonforsenate/ema05302400:00 Intro00:25 John Deaton Support01:16 Education Matters02:05 Democrats02:32 Why SAB121 was HUGE WIN04:00 SAB12104:33 Gensler fires staff04:50 President has 10 days to veto05:10 Wednesday Vote05:47 Blockchain Assoc. Letter06:17 NFTs Included in Bill06:38 No Later Than One Year07:05 Maxine Waters Importance07:53 Veto could hurt Biden election chances09:53 Paul Ryan Trillions Coming10:24 MiCA in June11:08 June 11th XRP stablecoin event11:21 Ethereum ETF11:55 Prepare for EPIC FUD12:17 Remember Prometheum13:07 Verify Sources13:44 Now or Never15:00 Outro#Crypto #Bitcoin #Ethereum~Crypto Bill Vote on Wednesday!

According to a report by Charities Aid Foundation, Indonesia is considered the world's most generous nations. Kitabisa Co-founder and CEO Vikra Ijas attributes Indonesia's global leadership in giving over the past six years to "religious and cultural influences" that have shaped "a very collectivist society." Kitabisa is Indonesia's largest online crowdfunding platform for social and personal medical causes. The company last year acquired a life insurance company, largely as an extension to its Saling Jaga offering (trans. "protecting each other), which is a mutual aid program where members can protect each from critical illness. Vikraan, an Endeavor Entrepreneur,  explains the diversification as a move beyond crowd-funding, which is "limited to a more reactive or responsive type of aid," to becoming "more strategic and prepared for future risks, which is facilitated license-wise through insurance." Kitabisa currently facilitates roughly one donation every second, and is moreover now emerging into one of the country's fastest-growing digital life insurance platforms. Vikra also reflects on the persistent guidance and support that Kitabisa's board members have offered the company, particularly e-commerce platform Bukalapak co-founders Achmad Zaky and Fajrin Rasyid.

In this thought-provoking episode of Passive Income Pilots, we sit down with blockchain expert Hans Koning to navigate the complexities and opportunities within the blockchain landscape, especially in light of recent global events like the Bitcoin halving and rising geopolitical tensions. Hans shares his profound insights into how these factors influence the digital economy and illustrates practical methods for earning passive income through blockchain technologies such as staking in PIVX. Delve into discussions that not only shed light on the technical mechanics of cryptocurrencies but also explore the crucial role of decentralized autonomous organizations (DAOs) in democratizing capital. This episode provides a deep dive into how blockchain is reshaping financial paradigms by empowering individuals to manage and grow their wealth independently, paving the way for a more trust in a trustless world.Timestamped Show Notes:(00:00) Welcome and introduction of guest Hans Koning.(01:00) Hans's background in technology and transition into blockchain.(02:00) Explanation of blockchain vs. traditional banking systems.(06:00) Benefits of Proof of Stake and its impact on energy efficiency.(08:00) Introduction to earning passive income through staking in PIVX.(10:00) Discussion on the role of DAOs in managing cryptocurrencies like PIVX.(15:00) Overview of zero knowledge proofs and their application in enhancing privacy.(18:00) How PIVX prioritizes privacy in its blockchain operations.(20:00) The potential future impact of blockchain in global finance and its integration into daily life.(25:00) Exploring the economic principles of PIVX and other cryptocurrencies.(30:00) The significance of community engagement in blockchain projects.(35:00) How DAOs operate and their influence on decentralized governance.(39:00) Closing thoughts from Hans on the importance of community and trust in blockchain.(43:00) Final remarks and episode wrap-up.Resources Mentioned:PIVX Official Website: PIVX.orgPIVX Mobile Wallet: MyPIVXWallet.orgPIVX Core Wallet: PIVX.org/downloadsRecommended Book: The Blockchain and the New Architecture of Trust By Kevin WerbachRemember to subscribe for more insights at PassiveIncomePilots.com!Join our growing community on FacebookCheck us out on Instagram @PassiveIncomePilotsFollow us on X @IncomePilotsGet our updates on LinkedInHave questions or want to discuss this episode? Contact us at ask@passiveincomepilots.com See you on the next one!

Welcome to "Uncut with Q," the podcast where real stories meet raw truths in unfiltered conversations. I'm your host, Q, and in today's episode, we're joined by a remarkable guest: Ed, a former Marine whose journey from service to success is nothing short of inspiring.During his time in the Marine Corps from 2003 to 2007, Ed faced the challenges many service members encounter: financial strain and uncertainty about the future. But amidst the trials, Ed made a pivotal decision in 2005, purchasing his first investment. Little did he know, this would set the stage for a transformative path ahead.Fast forward to 2013, a year that would forever alter Ed's trajectory. It was during this time that he discovered the power of private money and creative financing. Through innovative strategies and unwavering determination, Ed unlocked opportunities that propelled him towards financial freedom and independence.

In today's episode hosts Tate Duryea and Ryan Gibson navigate through the vast skies of real estate investing with the guidance of real estate titan, Kathy Fettke. As a renowned expert and a beacon of knowledge in real estate and economics, Kathy brings invaluable insights into the current real estate market, investment strategies, and the future of property investment. Whether you're at the helm of your real estate journey or just preparing for takeoff, this episode promises to elevate your understanding of real estate investments and economic trends. Fasten your seatbelts as we explore actionable insights and timeless wisdom from Kathy Fettke, ensuring your real estate ventures soar to new heights.Timestamped Show Notes:(00:00:00) Introduction to Passive Income Pilots and Today's Guest, Kathy Fettke.(00:01:00) Kathy Fettke's Background: From Broadcast Journalism to Real Estate Mogul.(00:03:00) Empowering Women in Finance and Investing.(00:06:00) The Catalysts for Kathy's Real Estate Journey: Personal Challenges and Insights.(00:08:00) Analyzing the Economic Impacts of the Pandemic on Real Estate.(00:10:00) The Inflation Effect: Money Supply and Real Estate Dynamics.(00:12:00) Navigating Interest Rates and the Surprising Resilience of the Economy.(00:14:00) The Resilient U.S. Economy: A Deep Dive into the Money Supply and Investment Strategies.(00:17:00) 2008 vs. Now: How Today's Real Estate Market Differs from the Past.(00:22:00) The Future of Real Estate: Understanding Current Trends and Preparing for What's Next.(00:24:00) The Role of Office and Commercial Real Estate in Today's Market.(00:27:00) Kathy's Advice for New Investors: Simplifying the Path to Real Estate Investment.(00:30:00) The Pitfalls to Avoid in Real Estate Investing.(00:33:00) The Allure and Risks of "Exciting" Real Estate Projects.(00:36:00) The Benefits of Investing in Real Estate: Tax Advantages and Long-Term Growth.(00:38:00) Overcoming Personal and Financial Challenges Through Real Estate.(00:41:00) Real Estate Strategies for Busy Professionals: Finding the Right Investments.(00:43:00) Selecting Low-Maintenance Real Estate Investments Suitable for Busy Lives.(00:46:00) Resources and Advice for Those New to Real Estate Investing.(00:49:00) How to Get Started with Real Estate Investing: The Importance of Choosing the Right Partners.Links and Resources:Get Featured On The Show!: passiveincomepilots.com/question Email Your Questions: ask@passiveincomepilots.comJoin Our Community: facebook.com/groups/passivepilotsConnect With Kathy: Real Wealth NetworkFederal Reserve of St. Louis Money SupplyHow to Conduct Due Diligence on an Investment WebinarStay tuned to Passive Income Pilots for more expert insights and strategies to fuel your journey to financial independence through smart investing.

The Future and Finance of Music: Insights from Industry Visionary Scott Cohen This episode is brought to you by my favorite productivity and well-being app, Brain.fm* and my book on how to become a stellar speaker, Speak From Within. Are you ready to unlock your vocal potential? Grab the Speak with Confidence One-sheet for three easy techniques. Grab a complimentary 15-minute consultation with me. Leave me a voice message. Scott Cohen joined JKBX in 2022 as founding Chief Executive Officer and investor. One of the music industry's most notable pioneers, Cohen co-founded The Orchard - the world's first digital distributor of music. Established in 1997, The Orchard - now owned by Sony Music - gave independent artists and labels a platform to sell their music to mainstream audiences and has since become the leading distribution company with 45 offices worldwide. Cohen retired from The Orchard in 2019 and joined Warner Music Group as its first-ever Chief Innovation Officer - a role uniquely tailored to Cohen's expertise. Not only is Cohen a proponent of new technology and innovation in the industry, but he also carries this through to his personal life.  He is a cyborg, human rights activist, and has been a vegan for the past 25 years. Learn more about JKBX. https://www.jkbx.com/ https://www.instagram.com/we_are_jkbx/ https://www.tiktok.com/@we_are_jkbx https://www.linkedin.com/company/jkbx/ This episode is brought to you by Brain.fm. I love and use brain.fm! It combines music and neuroscience to help me focus, meditate, and even sleep! Because you listen to this show, you can get a free trial and 20% off with this exclusive coupon code: innovativemindset. URL: https://brain.fm/innovativemindset It's also brought to you by my podcast host, Podbean! I love how simple Podbean is to use. If you've been thinking of starting your own podcast, Podbean is the way to go!**    Support the show with Buy Me a Coffee. Listen on These Channels Apple Podcasts | Spotify | Stitcher | Google Podcasts | Podbean | MyTuner | iHeart Radio | TuneIn | Deezer | Overcast | PodChaser | Listen Notes | Player FM | Podcast Addict | Podcast Republic | *Brain.fm and Podbean are affiliate links.  

Mike Peterson from Bitcoin Beach El Zonte, El Salvador rejoins me on the show to give listeners some updates from El Salvador. Having a reduced crime rate and improved investment and tourism into the country has driven big changes! We talk: How things look a few years on from the Bitcoin Law Life on the ground in El Salvador How easy it is to move El Salvador $1M Citizenship Program Dealing with on chain fees Custodial vs Self Custodial and pragmatism ‘Circular Economies' and insights from his networking around the world Links: X: @Bitcoinbeach YT: @LiveFromBitcoinBeach  Sponsors: Swan.com (code LIVERA) CoinKite.com (code LIVERA) Mempool.space Stephan Livera links: Follow me on X: @stephanlivera Subscribe to the podcast Subscribe to Substack Timestamps/Chapters: 00:00 - Introduction and Background 01:20 - Two and a Half Years After Bitcoin Adoption in El Salvador 05:21 - Financial Innovation in El Salvador 09:36 - Bottom-Up vs Top-Down Adoption of Bitcoin 11:00 - Ease of Setting Up in El Salvador 21:05 - Coinkite.com 22:13 - Mempool.space 22:56 - Swan.com 24:15 - Living on Bitcoin in El Salvador 31:48 - Bitcoin Meetups and Events in El Salvador 35:51 - Circular Economies and Bitcoin Adoption 40:55 - Insights from Other Circular Economies 50:05 - Custodial vs. Non-Custodial 54:21 - The Bitcoin Beach Podcast 56:16 - Closing thoughts