Podcasts about fintech

Suneera Madhani is back, and the lessons hit different this time. Suneera breaks down what it really took to scale Stax Payments to a $1.1B exit, why she chose to step away when the next milestone was “obvious,” and how she's approaching her next company, Worth, with clearer boundaries and a bigger vision for impact.We talk founder to CEO identity shifts, why “people, process, profit” scales every business, how women get stuck majoring in minor details, and the focus framework she teaches thousands of founders through CEO School. If you're building in a season where ambition is high but alignment matters more than ever, this episode is your reset.Connect with Suneera Madhani:Instagram: @suneeramadhaniWebsite: https://suneeramadhani.com/ 

Jonathan Crystal, Managing Partner at Crystal Venture Partners, talks about investing in early-stage AI-driven insurtech companies. After leading his family's insurance brokerage to a successful exit, Jonathan launched his $33M fund when he realized AI was the catalyst insurance had been waiting for. He explains why entrepreneurship means "dooming yourself to years of terror," and why the best investments happen when founders identify problems before revenue models. With investments in companies like Bright Harbor, which helps families navigate disaster recovery, Jonathan explains how domain expertise enables conviction at day one—when there's no product, just a founder with an audacious vision.In this episode, you'll learn:[02:14] From Texas to Princeton to building an insurance dynasty in New York[04:04] Why insurance rewards creativity and curious minds[07:24] The brutal truth: 99% of a VC's job is saying no[10:31] Exiting the family business and finding the "why now" moment for venture[12:10] The ChatGPT revelation that launched Crystal Venture Partners[14:13] Investment thesis: $1-3M checks at day one for transformational companies[19:11] Why building a venture company means years of terror—and that's the test[21:59] Bright Harbor case study: From revenue model questions to product-market fit during LA fires[25:30] Most common reason for no: "We're not your best source of capital"[29:40] Finding investment opportunities in unusual areasThe nonprofit organization Jonathan is passionate about: 12/64About Jonathan CrystalJonathan Crystal is the Managing Partner of Crystal Venture Partners, a $33 million early-stage venture fund focused on AI-driven transformation in the insurance industry. Before entering venture capital, Jonathan spent 20 years as an operator in the insurance brokerage business, ultimately serving as CFO of Crystal and Company, a top-25 national insurance brokerage firm founded by his family. He led the firm to a successful exit to Alliant Insurance Services in 2018. Jonathan brings deep domain expertise and company-building experience to his investments. He backs seasoned, often serial entrepreneurs building transformational companies, writing $1-3 million checks as early as day one. His portfolio includes companies like Bright Harbor, Sixfold AI, NevadoAI, Comulate, and Corvus Insurance.About Crystal Venture PartnersCrystal Venture Partners is a $33 million early-stage venture capital firm founded in 2022 to capitalize on the AI transformation of the insurance industry. The firm writes $1-3 million first checks, often as the first institutional investor or alongside other first institutional investments. Crystal Venture Partners invests in 4-6 companies annually from a pipeline of 300+ opportunities, maintaining a highly selective approach with domain expertise enabling conviction at the earliest stages—sometimes backing founders on day one before product development. The firm's portfolio of 10 companies has shown strong momentum, with over half securing follow-on financing in multiple rounds within a year of initial investment. Led by Jonathan Crystal, who brings two decades of insurance industry operating experience, the firm specializes in identifying transformational opportunities where AI can create and capture significant value in risk management and insurance markets.Subscribe to our podcast and stay tuned for our next episode.

Levi King is a self-taught entrepreneur with more than 20 years of experience starting, owning, and operating small businesses. He is CEO and co-founder of Nav, a credit health platform for small businesses. Top 3 Value Bombs 1. Success without happiness isn't success. Money alone cannot fill the gap. 2. Curiosity and reinvention keep entrepreneurs alive; comfort breeds stagnation. 3. Mental health is not optional; ignore it long enough and it will break. Visit NAV.com for tools to understand and improve your business credit and financial health - NAV Sponsors HighLevel - The ultimate all-in-one platform for entrepreneurs, marketers, coaches, and agencies. Learn more at HighLevelFire.com. Cape - Cape is a privacy-first mobile carrier, built from the ground up with security as the priority. Visit Cape.co/fire to sign up today.

We'd love to hear from you. What are your thoughts and questions?In this conversation, Derek Barker, CEO of Nectar, discusses the challenges faced by real estate operators in accessing flexible capital. He explains how Nectar provides innovative financial solutions that empower operators to scale their businesses without sacrificing equity or control. The discussion covers the importance of capitalizing companies, risk management strategies, and the future of flexible capital in the real estate industry. Derek emphasizes the need for more capital in the market to unlock housing supply and highlights the opportunities for growth in this sector.Main Points: Derek Barker is the CEO of Nectar, a fintech platform for real estate.Nectar provides flexible access to future cash for operators.Real estate operators face significant challenges in accessing capital.Traditional capital sources are often unavailable for small operators.Nectar's model allows operators to avoid selling equity or refinancing.The importance of cash flow and low leverage in real estate investments.Nectar focuses on experienced sponsors with proven business models.The future of real estate capital markets is evolving with technology.Unlocking supply in real estate requires addressing land, labor, materials, and capital.There is a significant opportunity to finance small and medium-sized real estate companies.Connect with Derrick Barker:derrick@usenectar.comhttps://www.usenectar.com/https://www.linkedin.com/in/derrickbarker

Ryan Christiansen has had one of the more unusual career trajectories in fintech, from managing credit portfolios during the 2008 financial crisis to leading bank integrations at Finicity during the early days of open banking, helping launch the Financial Data Exchange, and then making an unexpected leap into academia as Executive Director of the Fintech Center at the University of Utah.In this conversation, Ryan explains why the Center takes a unique multidisciplinary approach spanning business, engineering, and law schools, and shares details about their new master's degree program launching this fall. We also dig into why Utah has quietly become one of the country's most important fintech hubs, with over $1 billion in fintech wages and $7 billion in economic impact. We also discuss the upcoming Fintech Xchange conference on February 4-6 in Salt Lake City, which has become a must-attend gathering for fintech and banking executives looking for substantive content and genuine networking opportunities.In this podcast you will learn:Ryan's background building Finicity's open banking platform.How and why he went from the corporate world to academia.The mission of the Fintech Center at the University of Utah.The programs the university offers in fintech for its students.Details of their Masters in Financial Technology program launching in the fall.Why the fintech scene in Utah is so robust.Why they decided to create their own event called Fintech Xchange.What makes Fintech Xchange different.What attendees can expect at Fintech Xchange this year.What is most exciting about the work he is doing at the Fintech Center.Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

On this episode of The Biz-to-Biz Podcast, host Allen Kopelman sits down with Michael Bernicker, founder of Rooming, to explore how the company is transforming the way people live, rent, and connect through flexible housing solutions.Michael breaks down the inspiration behind Rooming, how the platform simplifies shared living, and why flexibility, affordability, and community are becoming must-haves in today's housing market. From solving real-world housing challenges to building a tech-enabled marketplace, this conversation dives into what it takes to launch a solution that meets modern lifestyle demands.In this episode, you'll learn:What Rooming is and how it's redefining shared and flexible livingThe problem Rooming set out to solve in today's housing marketHow technology and community play a role in scalable housing solutionsLessons learned while building and growing a real estate tech platformWhether you're a founder, investor, real estate professional, or just curious about the future of housing, this episode delivers valuable insights on innovation, entrepreneurship, and building solutions that truly meet market needs.

David Bach joins Steve Chen to discuss the evolution of The Automatic Millionaire and his newest idea, the IRA Flat Tax, which aims to rethink how Americans use their retirement savings. Bach explains that decades of automation have helped millions accumulate wealth, but most retirees now delay spending their money until required minimum distributions, leaving trillions of dollars idle. He proposes a limited window allowing early retirement withdrawals at a flat tax rate to encourage spending, improve retiree quality of life, and stimulate the economy. The conversation also explores the difficulty of shifting from saving to spending, the importance of enjoying wealth while health allows, and how AI is reshaping financial planning without replacing the need for human guidance, reinforcing Bach's long-held belief that money is ultimately a tool to support a better life.

Money that waits for Monday is losing ground to rails that never sleep. Greg sits down with Edward Woodford, CEO and Founder of zerohash, to explore how stablecoins and tokenized deposits are reshaping cross-border payments, account funding, and global payouts for merchants, platforms, and marketplaces. From MIT roots to building one of the largest movers of stablecoins, Edward explains why velocity of money matters and how interoperability solves the messy reality of assets, chains, and compliance at scale.We dig into concrete use cases: topping up trading or gaming balances instantly, paying freelancers in the Philippines or Brazil with automatic local currency conversion, and using stablecoins as a dependable 24/7 rail. Edward breaks down why abstraction is the unlock - users shouldn't pick chains or tokens, they should just send money. He also shares why banks are poised to become the biggest on- and off-ramps as regulatory clarity lands, and why tokenized deposits may deliver stronger economics for financial institutions than issuing their own stablecoins.Looking ahead, Edward maps a world of vertical integration, where processors launch their own networks and potentially bank charters, compressing costs and aligning incentives across the stack. He makes the case for streaming payments as a catalyst for financial resilience and agentic commerce, where instant settlement reduces payday lending and powers software-to-software transactions. The result isn't crypto vs. traditional - it's connected plumbing that makes payments faster, cheaper, and more inclusive.If you care about the future of payments, cross-border commerce, and the real-world path from crypto rails to everyday use, this conversation offers a clear blueprint. 

Gabriel Callsen, Senior Director, FinTech and Digitalisation, ICMA summarises key findings on DvP settlement assets and custody models for DLT-based bonds under Project Guardian.

Francisco Parente, Associate Director, FinTech and Digitalisation, ICMA examines the regulatory landscape, risks, and potential role of stablecoins as on-chain settlement assets in capital markets.

When I first started working in the schools in the early 2000s, there was a push for integrating technology into classrooms and therapy sessionsIt was even a box that got checked on my employee evaluation.Now there's a defined space referred to as “EdTech”. It took me a while to realize that this was a thing, and I didn't even realize I was a part of it until someone referred to me as the “EdTech person” during a job interview (they were “FinTech” people, short for “Financial Technology”).In the work I do now creating a caseload management system, I often think about how important it is to define who the intended user of technology is. In product development, we refer to this as the “end user”.Sometimes the end user is an administrator pulling analytics or managing the budget. Sometimes it's a teacher or clinician collecting data, managing a schedule, tracking referrals, or trying to reduce the administrative burden of their jobs so they can focus on human connection instead of paperwork.Sometimes it's a professional providing virtual therapy to students to increase access to services. And sometimes, the end user is the student.  When we think about how technology is helping or hurting education, we have to look at each of these verticals separately. A common answer I get when I talked to district leaders about technology is this:“We know technology has caused problems and is often poorly utilized. But what we were doing before wasn't working either.” We had service deserts where therapy wasn't accessible. There were clinicians spending hours on paperwork or data collection. We had administrators without the data they needed to evaluate what's working or manage fiscal resources.That's why I wanted to have a conversation about how technology is being used, and what is and isn't working. I invited Maura Connor from BetterSpeech on to this episode to start the conversation. This episode is the first half of our interview. Maura Connor is an accomplished executive leader with deep expertise at the intersection of education and healthcare technology. She currently serves as Chief Operating Officer of Better Speech, where she is leading the launch of Streamline, an AI-powered special education management platform that helps districts reduce administrative complexity for providers and teachers, ensure compliance visibility, and strengthen support for students and families. With a career spanning executive roles in ed tech, health tech, and clinical operations, Maura has built a reputation for scaling organizations, driving innovation, and leading high-performing teams through periods of transformation. Her work focuses on uniting vision, strategy, and execution to deliver measurable outcomes for schools, clinicians, and the communities they serve. Maura is passionate about advancing solutions that enable educators and clinicians to spend more time on direct impact—helping children grow, thrive, and reach their potential—while ensuring that systems of care are more efficient, compliant, and sustainable.You can connect with Maura on LinkedIn here: https://www.linkedin.com/in/maura-connor-2508929/Learn more about BetterSpeech's telehealth platform and services here: https://www.betterspeech.com/Learn more about Streamline by BetterSpeech here: https://www.streamline-sped.com/why-streamlineStreamline is an AI solution that automates evaluation, service tracking, and compliance workflows, freeing up time for clinical judgement and engagement. In this episode, I mentioned Language Therapy Advance Foundations, my program that gives speech pathologists a framework for building language skills needed to thrive in school, social situations, and daily life. You can learn more about the program here: https://drkarenspeech.com/languagetherapy

Very smart take on blockchain applications and technology investments from our guest Fifth Era Partners CEO Matthew Le Merle. Why the current payment system needs an update and the challenges of getting to the next step this week on the Fintech Newscast https://www.fifthera.com Click Subscribe to keep up to date on the world of fintech!  Reach … Continue reading Ep 274- Fifth Era Partners CEO Matthew Le Merle

We're excited to continue our AI Tools series with Yaron Lavie, a veteran product leader with over 25 years of experience in FinTech, InsurTech, and now retail tech at Nexite, where he helps fashion retailers unlock unique in-store data. In this episode, Yaron joins Matt and Moshe to share how he used Base44, an AI-powered, full‑stack vibe coding platform, to take a completely new product idea from concept to a deployed prototype without touching his R&D team.Yaron walks through why traditional approaches like Figma mockups and static visuals weren't enough for the kind of validation he needed, and how he experimented with tools like Gemini, Claude, and ChatGPT before landing on Base44 for an end‑to‑end, fully hosted solution. He explains how Base44's conversational, chat-based builder let him model user personas, flows, and entities, then iteratively refine an interactive analytics dashboard with real (anonymized) data, all inside a time‑boxed, low‑risk experiment that still respected security constraints.Join Matt, Moshe, and Yaron as they explore:Why Yaron needed to validate a new product idea without pulling scarce R&D resources off other prioritiesHow he moved from static mockups to interactive prototypes with real data, and where Gemini helped and fell shortWhat made Base44 stand out versus other vibe coding tools like Lovable: full-stack, hosted, and truly end-to-endThe importance of “context engineering” over simple prompt engineering when building with LLM-based buildersUsing Base44's discussion mode, live preview, and QA test generation to shape the product before committing to codeReal-world limits: hitting a ceiling on UX depth, inflated code, and friction with design systems and engineering standardsHow he transitioned from a Base44 prototype to a ground-up rebuild with the core dev team, using the prototype to generate user storiesPractical pros and cons: integrations, multi-currency support, database control, and when full-stack vibe coding is “good enough”Where Yaron sees vibe coding going next, and how PMs can use it responsibly for experimentation and usability testingAnd much more!Want to connect with Yaron or learn more?LinkedIn: https://il.linkedin.com/in/yaronlavieYou can also connect with us and find more episodes:Product for Product Podcast: http://linkedin.com/company/product-for-product-podcastMatt Green: https://www.linkedin.com/in/mattgreenproduct/Moshe Mikanovsky: http://www.linkedin.com/in/mikanovskyNote: Any views mentioned in the podcast are the sole views of our hosts and guests, and do not represent the products mentioned in any way.Please leave us a review and feedback ⭐️⭐️⭐️⭐️⭐️

The Wealth Formula Podcast is one of the longest-running personal finance podcasts still standing. For more than a decade, I've shown up every single week to talk about investing, markets, and the forces shaping the economy. What's interesting is how much my own thinking has evolved over that time. Early on, I was more rigid. I was—and still am—a real estate guy. But back then, I didn't give much thought to ideas outside that lane. I was dogmatic, and I didn't always challenge my own beliefs. Time has a way of doing that for you. I've now lived through multiple market cycles. I've watched the stock market melt up to valuations that felt absurd—and then keep going. I've seen gold go from flat for a decade to parabolic over a year. I've seen interest rates sit near zero for a decade and then snap higher at the fastest pace in modern history. And I've learned, sometimes the hard way, that diversification is about survival and that every asset class has its day. One lesson I learned that I am thinking a lot about these days is: ignore major technological shifts at your own peril. Back in 2014, I first started hearing people talk seriously about Bitcoin. At the time, I dismissed it. I listened to the critics, was convinced it was a scam, and didn't take the time to truly understand it. That was a mistake—not because everyone should have bought Bitcoin, but because I ignored a structural change happening right in front of me. Bitcoin went from a cypherpunk expression of freedom to the largest ETF owned by BlackRock. Today, the dominant story is artificial intelligence. And whether you love stocks, hate stocks, prefer real estate, or focus exclusively on cash flow, you cannot afford to ignore AI. This isn't a fad. It's a general-purpose technology—on the scale of electricity, the internet, or the industrial revolution itself. That doesn't mean it's easy to invest in. It's hard to look at headline names trading at massive valuations and feel good about buying them today. But investing in AI isn't about chasing a single company. It's about understanding second- and third-order effects: energy demand, data centers, productivity gains, labor displacement, capital flows, and how blockchain and decentralized systems intersect with all of it. What experience has taught me is this: you don't need to be first to invest—but you do need to be early in understanding. If you wait until something feels obvious, most of the opportunity is already gone. This week's episode of the Wealth Formula Podcast is focused squarely on AI and blockchain—what's real, what's noise, and where the long-term implications may lie. Listen to this episode. You'll come away smarter. And years from now, you may look back and realize this was one of those moments where paying attention really mattered. Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com.  Welcome everybody. This is Buck Joffrey with the Wealth Formula Podcast. Coming to you from Montecito, California. Today we wanna start with a reminder. We are in a new year and we are already doing deals, uh, through the Wealth Formula Accredit Investor Club. You can go and sign up for that for free. Uh, wealth formula.com just hit investor club and you just get on there and, and you’ll get onboarded. And from there, all you gotta do is wait for deal flow and webinars coming to your inbox. And, um, you know, if nothing else, you learn something. So go check it out. Uh, go to. Wealth formula.com and sign up for Investor Club now onto today’s show. Uh, the, it is interesting. I don’t know if you are aware it’s a listener, but we are, wealth Formula is, uh, probably I would say one of the, certainly in the one of the top longest running personal finance podcasts still. Standing. Uh, I’ve been around, well, I think the first episode was on like 2014, so it was a long time, but in earnest, you know, at least for over a decade. And, you know, during that time, I’ve shown up every week, every single week. Don’t Ms. Weeks, but none, none. Isn’t that incredible? I’ve shown up, uh, talked about investing and talked about very way markets are working, forces, shaping the economy, all that kind of stuff. But you know, as you can imagine, as a. As a younger individual versus, um, my crusty self. Now, you know, a lot of my own thinking has evolved over that time, you know, back then. And I, you know, I think this appealed to some people, but, um, you know, I was really dogmatic. I’m a real estate guy, right? And I still am a real estate guy, but back then I wouldn’t give anything else the time of day to even think about, you know, and, and, uh, I, I, you know. I was dogmatic and didn’t always challenge my own belief systems. Um, I’m different now, right? I’ve softened And time is a way of, of changing all of that dogmatic stuff for you. You know, I’ve lived through multiple market cycles. I’ve watched, well, I’ve watched the stock market, which I, which I always maligned, you know, melt up to valuations. Uh, that felt absurd. And then keep going higher. I’ve seen gold, which was kind of ridiculous for the longest time. I watched it for like a decade, just pretty much flat, and then it goes parabolic. Over the last year, I’ve seen interest rates sit near zero for a decade and then snap higher. Uh, not even as time, just launch higher at the fastest space in modern history. And I’ve learned sometimes I guess, the hard way that diversification is about survival and that every class, every asset class has its day. Just like every dog has its day. And um, you know, one other lesson that I learned that I’m thinking a lot about these days is ignore major technological shifts at your own peril. So what am I talking about? Well. It’s kind of a, it is a technological shift, whether you think it about not, but Bitcoin. Okay. Back in 2014, I first started hearing people talk seriously about Bitcoin, and at that time I dismissed it. I was, uh, I was listening to critics beater Schiff that constantly called it a scam, said it was going to zero and so on. I didn’t, I didn’t take the time to truly understand it, to try to understand it the way I understand it now, that makes me a believer in Bitcoin. That, of course was a big mistake, not because, you know, everyone should have bought Bitcoin and, uh, back then, well, they, you know, would’ve been nice if they did, but because fundamentally I ignored something that was a structural change happening right in front of me. And since then, Bitcoin went from a cipher punk expression of freedom to the large CTF owned by BlackRock today. The dominant story is actually artificial intelligence. Now, whether you love stocks, hate stocks, prefer real estate focused exclusively on cab, whatever, you cannot afford to ignore ai. It’s not a fad. It’s a general purpose technology and a technology shift, and the scale of electricity. The internet bigger than the internet, bigger than the industrial revolution. Now, that doesn’t mean it’s easy to invest in. I mean, I’m gonna go invest in AI and make a bunch of money because I mean, what does that even mean? It’s hard to look at headline names, trading at massive valuations like Nvidia and all that right now, and saying, oh, I’m gonna go buy that. Who knows? That’s gonna work out. When I talk about investing in AI isn’t really just investing in stocks or any individual company or data centers or whatever. It’s about understanding. The second and third order effects, energy demand. You know, as I mentioned, data centers, productivity gains, labor displacement, capital flows, and how blockchain and decentralized systems intersect with all of that. It is very, very complicated. Um, but it’s really important to start to try to understand, you know, an experience that stop me is this. You don’t need to be the first to invest, but you do need to be early in understanding. If you wait until something feels obvious, usually the opportunity’s gone by then. And you know, the thing about AI is even if you think it’s obvious now. The reality is that most people haven’t really caught on. Maybe they played with chat GPT, but I don’t think they’re understanding what this whole, you know, this thing is gonna do to our world. Um, anyway, so that is what this week’s episode of Wealth Formula Podcast, uh, is about. It’s about AI and also, um, a little bit about, you know, bitcoin and blockchain and that kind of thing. Um, we’re gonna talk about what’s noise, uh, you know, where the long, what the long-term, uh, implications are all of this stuff. This is a show that, uh, I really enjoy doing really, really good stuff. Um, so make sure you listen in. We’ll have that interview for you right after these messages. Wealth Formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net. The strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account. As your money accumulates, you borrow from your own bank to invest in other cash flowing investments. Here’s the key. Even though you borrowed money at a simple interest rate, your insurance company keeps paying you compound interest. On that money, even though you’ve borrowed it, that result, you make money in two places at the same time. That’s why your investments get supercharged. This isn’t a new technique. It’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its backbone. Turbocharge your investments. Visit Wealth formula banking.com. Again, that’s wealth formula banking.com. Welcome back to the show, everyone. Today. My guest on Wealth Formula podcast is Jim Thorne, chief Market strategist at Wellington. L is private wealth with more than 25 years of experience in capital markets. He’s previously served as chief capital market strategist, senior portfolio manager, chief economist, and CIO. Uh, equities at major investment firms and has also taught economics and finance at the university level. Uh, Jim is known for translating complex economic, political, and market dynamics into clear actionable insights to help investors and advisors navigate long-term capital decisions. Uh, Jim, welcome with the program. Thanks for having me Buck. Well, um, Tim, I, I, I, uh, had been following a little bit of, uh, what you discuss on, uh, on X and, um, one of the things that caught my eye is, you know, your, your narrative on, on ai, a lot of people are tend to be still sort of skeptical of AI and what’s going on, uh, with the markets. Um, uh, but at the same time, uh, there’s this. Sense. I think that ignoring AI altogether as an investor is, is, is downright potentially dangerous. So, uh, at the highest level, why is AI something people simply can’t dismiss? Well, we live in an, uh, uh, you know, many other people have coined this term, but we live, we’re living in an exponential age of, of technological innovation. And, you know, AI and I’ll just add into their, uh, blockchain is just the normal evolutionary process that, you know, for me started when I left graduate school and came into the business in the nineties where everybody had this high degree of skepticism of the computer and the, the, the phone, the, the. And the internet. And so, you know, what we do is we go through these cycles and there are periods of time where the stars align. And we have a period of time where we have what I would call an intense period of innovation where I would suggest to you that. People are skeptical. Skeptical, and yet at the same point in time, they very early on in the, in the, in the trade, call it a bubble when it’s not. And so I think it comes from the position of ignorance. One, I think two, fear, and then three. If you think about if you are an active manager, I in a 40 ACT fund, um, you know, and you’re sitting there with, uh, you know, mi. Uh, Nvidia at, you know, eight or 9% of your index. And that’s a big chunk that you’ve gotta put into your fund, uh, just to be market neutral. So there’s a lot of people that hate this rally. There’s a lot of people that are can, going to continue to hate this rally. But the thing I anchor my hat on are a couple of things. Look at if this is no different than the railroad. Canals, any major technological innovation, will it become a bubble? Yes. Just not now. So, so let’s follow up on that, because a lot of people think, or are talking about the, do you know the.com bubble, uh, comparisons, and you’ve argued that that sort of misses the real story. So, so where are we getting it wrong right now? Are those people getting it wrong? In the nineties buck, you’d walk into a bar and there wouldn’t be ESPN on there’d be CNBC on people were getting their jobs to become day traders. Folks didn’t go to the go to university because they were basically getting their white papers financed. You had companies that were trading off of clicks. So I lived that. Anybody who is of a younger generation has no idea what a bubble is, and it’s specious and pedantic for them to use that term when they have no clue about what they’re talking about. But you did mention that it could become a bubble. How do we know when it does become a bubble? Oh, it’ll become a bubble. Well, when, when, when you know, the, what, what I am looking for is, you know, when we, when the good investment opportunities start to dry up, when liquidity starts to dry up. So what I, it’s not about valuation, to me it’s about liquidity. So in 2000, what, and I’m roughly speaking, what went down was you had all these companies that were trading at Strat catastrophic valuation, this stupid valuations, and you walked in one day and they didn’t get financing. And if you read the prospectus or you followed the company, you knew that they were not going to be free cash flow positive for another two or three rounds of financing. All of a sudden you walked in and everybody goes, oh my God, this thing, you know, trading at 250 times sales. And everybody went, yeah, of course. And so what it was is, was when does liquidity dry up? So I’ll give you a date, um, you know, with Trump’s big beautiful bill act. 100% tax deductibility of CapEx and that goes until Jan 1, 20 31. So to me, that’s a very motivating factor for people to, um, invest. The last thing I would say to you in more of a game theoretic context book is, look, if you are a big tech company and you don’t invest in ai. You are ensuring your death. Yahoo, Hela Packard. I can go through the list of companies that cease to invest, so they’re looking. If it was you and I when we were running this company, I would say, dude, we gotta invest because if we don’t have a poll position in this next platform, whatever it is, we’re done. We’re toast. And I think that’s why you’re seeing all these hyperscalers spending as much money as they are. ’cause they get this, they saw it. So, you know, you framed ai not necessarily as a a tech trade, but as a capital expenditure cycle. Can you explain that to people? Well, what we need to do is we need to build out the infrastructure of ai. Then, and that’s the phase that we’re in right now. So it’s more like we’re building out all of the railroads, the railway tracks and the railway stations across the United States back in the 18 hundreds. And then we’re gonna go through that building phase. And then as that building phase goes, some companies, some towns, are going to basically realize and recognize what’s happening and start to basically take ai. Bring it into their business model, into enhanced margins. Right. So right now we’re building it out. I mean, you know, we all focus on the hyperscalers, but the majority of companies, pardon me, governments. Individuals, they haven’t used AI and, and what is interesting about this is back in the nineties, they were talking about how the internet had to evolve to be much more. You know, uh, have critical thinking in, in, in it. And it was more explained when you went to these conferences, as you know, you know, think about this. You’re hearing this in 99, okay? Not today. You go in and you ask Google or dog pile at the same time, or excite, okay? You would say, I wanna go to Florida in the third week of March and I wanna stay here and I wanna spend this amount of money and I wanna rent a car. Plan it for me. And they would come back and they would tell you that it would come back and it would, it would, everything would be there. And you would have your over here and all you would have to do is drop your money and you had your thing planned. So none of this is as, it’s aspirational, but we’ve heard it before. And in technology, what happens is it’s not like it’s new. We’ve been talking to, I did machine learning in in graduate school. Ai, you know, I did neural networks and I’m a terrible Ian. This isn’t, you know, Claude Shannon wrote about this in 1937, right? But it’s about when does it hit, and so it was chat GBT. Can we argue, was that right? As an investor, it’s stop arguing, start investing. Then what you’ve gotta figure out, which is the question you ask, is when does the music stop? I think it goes until the end of the decade. You know, one of the things that, uh, is interesting about this, uh, AI investment, uh, it’s, it’s unfolding in a higher interest rate environment. Why is that detail so important? Understanding its significance? Well, it’s the cost of capital, right? And so this phase that we have right now. It’s funny you say that, right? ’cause our reference point is zero interest rates, right? Yeah, yeah. Right. That’s right. So, you know, you know, so, so think about this, what it happens right now. Now we’re in the phase where you’ve got these hyperscalers that instead of taking all their free cash flow and buying bonds and buying back stock, are increasing CapEx because there’s a great tax deduction on it. So you get a lot of, so we’re in this phase where, for where, where a lot of the money is, you know, was. Was, let me, let me be clear, was a hundred free cashflow. Now we’re getting these guys, these companies like Oracle and what have you, you know, starting to issue debt and look at debt isn’t bad as long as the rate of return on debt is higher than the interest rates. And so, you know, you know, I, I would say historically speaking, for a lot of these high quality names, the interest rates are not, uh, at levels that will stop them from investing. Right. Right. You know, you’ve written that, um, productivity is ultimately the real story behind ai. So why does productivity matter more than the technology headlines themselves? Well, let me just put it this way, right? So we’ve grown, I grew up, I, I joined, I’m up here in Toronto, right? So I’m gonna give it to you in Canadian dollars, right? So I joined, I joined here. You know, I grew up here, went to the states, came back home. Growing this company I joined when we’re about three and a half billion. We’re getting close to 50 billion, and we’re the fastest growing independent platform in the country. I’m a one man band, right? I use three ai. In the old days, I’d have four research assistants. Where’s the margin in that? And so I, that’s how I see it. And let me be clear, it’s, you know, this isn’t we’re, it’s not perfect. But if I wanted to say, instead of you, but hey, write me a 2000 word essay on the counterfactual of what happened with railroads up until 1894 when the, when the bubble popped, give me a f, you know, a a thousand word essay and, and just a general overview. I can get that in less than five minutes. Michael Sailor is writing product on ai, which, which, which you would take, which you would take. He’s in his presentation, say it would take a hundred lawyers. So it’s gonna be more about those. And it’s, it’s no different than Internet of things or, you know, it was, uh, Kasparov that talked about this. Gary Kasparov talking about the melding of, of technology in humans. He would ran, run this chess tournament called freestyle. You could use a computer, you could use, you know, grand Masters. You could use whatever you wanted to compete. And who won? Well, who won it Was that those teams that were generalists that had a little bit of that, the knowledge of the computer and the knowledge of the test. Uh, o of chess, right? That’s what’s gonna happen. So this isn’t we’re, as far as I’m concerned, we’re not, yes, there’s going to be some d some jobs that are going to be replaced, but that is always the case in technology. I’m not a Luddite, okay? I am not Luddite. But the same point in time. I, I would suggest to you that it, it is just a really, for me, it’s a, helps me. Do research no different than when I was an undergrad and they went from cue cards in the, the library at the university to actually having a dummy terminal and I could ask questions in queue. You know, it stalked me from having to go to the basement of the library and going to microfiche. Right. Have helping that way. Now can it, can, will it do other things? I’m sure it is, and I’ll lead that to Elon Musk and the crew. You know, that’s above my pay grade. But for me, I see it as a very helpful way of, you know, allowing me to process and delineate. Much more information a a and not have me waste so much time trying to figure out what got went on in the past or, you know, QMF. Right. You know, summarize me the talk five, you know, academic papers in this area, what are they saying? And then they gimme the papers. Right. It just speeds the process up. Yeah. You know, um, one of the things that I’ve been sort of talking about and thinking about. Is that it’s hard to not see AI as a very, very strong deflationary force. Um, how do you think about that? Yeah. Technology is deflationary, right? Doubt about it. And so I look at it this way, Ray. Um, so I work at the financial services industry, okay. You know, Mr. Diamond of JP Morgan is talking about how they are starting to embrace blockchain and ai. They are going to cut out the back end of that in the, the margins in that, in that company by the end of the cycle are going to be fantastic. People just do not get in. You know, the financial services industry is built on a platform. Of the 1960s, dude. I mean, they’re still running Fortran, cobalt. So you know what I, how I look at this is much more as a margin type story, and there’s going to be a lot of displacement. But at the same point in time, I look at Tesla and automation and ai. And you know, people look at Tesla as a car company. I look at Tesla as an advanced manufacturing company. Elon Musk could basically go into any industry and disrupt it if it wanted to. Right. So that’s how I look at it. And so, you know, the hard part is going to be, you know. Nothing. If we get back to where we were, it’s not going to be perfect, right? Because here’s, here’s where the counter is, here’s where the counter is. Right? If you, if, if you think about, and we’re, I’m gonna take Trump outta the equation and ent outta the equation right now, but if we just went back to the way things were before COVID, we would have strong deflationary forces. Okay. Just with demographics, just with excessive levels of debt. Just with, you know, pushing on a string in terms of, in terms we couldn’t get the growth up, you know, and, you know, and the overregulation of financial institutions. Trump and descent are basically applying what’s called supply side economics, and they’re deregulating. It’s says law, which is John Batiste, that says basically supply creates his own demand and it’s non-inflationary. But really what they’re going to try to do is they’re going to try to run the economy hot and they’re gonna try to pull this way out of the debt. And if you do that and you deregulate the banks. And allow the banks to get back to where they were before the financial crisis. Okay. You know, and, and the Fed takes its interest rates down to neutral, expands the balance sheet. Then I don’t think we’re gonna go back to the zero bound in deflation. I think this thing’s gonna run hot for a long time. And I think it, the real question is, is, is is 2 75 in the United States the neutral rate? I think it is. Uh, but as, as, as Scott be says, and, and, and, and, and let’s be clear, buck, the guy’s a superstar. Okay. Guy is a legend. Just you sit there, just shut up and listen to him. Okay. They keep up, right? Well, so they’re gonna run it hot, but where we are is, in his words, mine, not mine. We’re still in this detox period, you know what I mean? We still got the Biden era. We still got, you know, a over a decade of excessive ca of Central Bank intermediation. That needs to get, you know, go away. So what I say, and what I’ve been writing about is 26 is going to be the year that the baton is passed back to the private sector. Let’s get rates down to 2 75. That’s, I mean, I’m going off the New York Fed model. That says real fed funds, the real, the real neutral rate is 75 to 78 basis points. I think inflation’s at two. That that gets you 2 75. Get the rates there and then get the balance sheet of the Fed to the level so that overnight lending isn’t loose or tight. It’s just normal. And then step back, go away and let Wall Street and the private sector create credit. Create economic growth and let’s get back to the business cycle. And if we do that, we’re gonna have non-inflationary growth. It’s gonna be strong, but we’re not going back to the zero bound and we’re gonna grow our way out of this. And so that’s where I get really excited about. This is a very unique time in history. A very, very, very unique time in history where, and I don’t know how long it’s going to last because of the compression that we have now because of the, you know, we live in such a digital world, but let’s say it’s five years demographic says it’s to 33, 32 to 33. That’s, you know, that’s how long this run is. And, and to me, uh, AI is a massive play. I, I, to me, blockchain is a massive play and to me it’s to those countries and companies that get it is, whereas investors, we wanna think, start thinking about investing. Yeah. You mentioned, um, non non-inflationary growth. Can you drill down on that a little bit just so people understand a little bit where. Usually you think of an economy running super hot, you, you think automatically there’s an, you know, an inflationary growth. So I want you to think in your mind into your list as think in your mind. Go back to economics 1 0 1 with the demand curve. In the supply curve, okay? And there are an equilibrium. And at that equilibrium we have a price at an equilibrium, and we have an output as an equilibrium. Okay? Now what I want you to do is I want you to keep the demand curves stagnant or, or, or anchored. Then I want you to shift the supply curve out. Prices go down, output goes out. We can talk all this esoteric stuff, you know, you know Ronald Reagan and, and Robert Mandel and supply side economics. But it’s really your shift in the supply curve out, and that’s what, and that’s what BeIN’s doing. I mean, this is a w would just sit down and be quiet. He’s talking about, you know, what is deregulation? He’s pushing the supply provider. Oh, hold on. My phone. My, my thing. And what did, since the two thousands, what did, what was the policy? It was kingian, it was all focused on the demand curve. Everything was focused on demand. And so all we’re doing is we’re, we’re getting the keynesians out. I use 2000 ’cause that’s when Ben Bernanke really came in and was very influential. Let me just say he’s a very smart, I learned so much from reading. Smart, smart, smart, smart guy. But his whole thing was Kasan. He came from MIT, his thesis supervisor was Stanley Fisher, right? We’re going back to, you know, Mario Dragons thesis supervisors, Stanley Fisher, all these guys came from MIT, Larry, M-I-T-M-I-T, Yale, and Princeton. Whereas previously it was the University of Chicago. It was Milton Friedman. It was, it was supply side economics. We’re going back, they’re going back to supply side economics and right now we need it. We need balance. But my god, what did we end off with? We ended off with four years of mono modern monetary theory. Deficits matter. That’s insanity. You had mentioned a little bit, uh, you, you’ve talked about blockchain a few times here. Talk about the significance. I mean, it’s sort of, you know, blockchain was a thing that everybody was, everybody was talking about it, you know, three, four years ago, but now it’s all about ai. But you know, now you’ve got, um, but in, but in the background, blockchain has grown, uh, adoption has grown. Uh, tell us what’s going on there, and if you could tie it into the significance of, of where we’re at today. Yeah. Um, uh, Jeff Bezos gave a wonderful speech, I think in two thou, early two thousands, where he basically talked about the fact that, you know, once this innovation is led out of the genie’s, led out of the bottle, whether or not, you know, buck and Jim, like it as an investment, the innovation continues. And so after the internet bubble pop, right? Really smart guys like Jeff Bezos, uh, Zuckerberg, you, you, the whole cast of characters, right? Basically built it out. Okay. And it wasn’t perfect and everybody knew it wasn’t perfect. I mean, that was the whole thing that was so bizarre. But they knew it wasn’t perfect and they knew that they needed to solve some problems. Right. And you know, it was a double spend problem. I mean, the internet that we were dealing with right now was developed in the 1950s and so on and so forth. And so, you know, that always stuck with me. Right. A couple of things stuck with me because I’ve lived through a couple of these cycles. The first one is Buck. When the, when Wall Street coalesces around something just shut up and buy it, right? I mean, I, I spent too much of my life arguing about whether dog pile and Ask Gees was better than Google. Wall Street said Google was the best. Shut up. Invest, right? And so, so look, blockchain solved the double spend problem. Blockchain solved all the problems that the original iteration of the internet could solve, and everybody knew it was coming along okay. So it’s a decentral, it’s decentralized, right? Uh, does, does not need to be reconciled. So no. Not only do you have another iteration of the internet. You have basically introduced into society the biggest innovation in accounting or recordkeeping since double entry. Bookkeeping accounting was introduced in Florence, Italy centuries ago by the Medicis and, and buck. All this is out there like, so this is a profound, right? So think about you’re in an accounting department and you don’t have to reconcile, right? So look. The first use cakes was Bitcoin. And what was the, what was the beautiful thing about it? Well, first off, it grew up by itself. And secondly, it’s got perfect scarcity, right? And so let’s just full stop. And I mean, yes, gold and silver had the run that they should have had decades. So I had been waiting and listening to people, gold bugs, talking about this type of run since the nineties. Okay. Um, but look, you know, and the problem with fi money, right? I mean, this is, this goes back decades. It’s an old argument. The way you solve it is, is Bitcoin. That’s the solution. I mean, forget about it. I mean, if they’re gonna whip it around and do all this stuff, fine. But the other thing that people miss and Sailor hasn’t, and Sailor is brilliant, is look. Bitcoin is pristine collateral in 2008, in September. What caused the, the system to stop was the counter. We could not identify counterparty risk for near cash. It was a settlement problem. Anybody you talk to Buck that says it was, you know, the subprime this and it, yeah, that was crap. I get that. But when the system shut down is you had a $750 million near cash instrument with X, Y, Z, wall Street firm, and you did this for three extra beeps and it was no longer cash. Guess. And guess what? Your institutional money market fund broke the buck. That’s when the system blew sky high. When the money market broke the buck and it was a settlement problem, blockchain and Bitcoin solved that. Sailor knows that, look where Wall Street’s gonna go. They understand now that. Bitcoin is pristine, collateral and capital that is 100% transparent. Let’s lend against it, and that’s what Sadler’s doing. That’s why Wall Street hates the guy so much, right? Think about that. Think of where is he going after he’s going after all the stranded capital on Wall Street. And, and the whole point is he’s sitting there going, I’m too busy for this. And you’ve got all these other people that are gonna live off of other people’s ignorance. Meanwhile, Jing Diamond knows exactly what he’s talking about. We can identify, if I hear one more person on me in, in the meeting say, I don’t know. You know, you know, uh, micro strategies balance sheet is so complicated. Really. Compared to JP Morgans, I mean, you know what his capital is. It says Bitcoin, like, what are you guys talking about? But hey, fucking in this business, people make generational wealth on ignorance of people who think they know what they don’t know. So, you know, just going back to Jamie Diamond, you know, he spent, I don’t know how long. Throwing every insult, uh, he could towards Bitcoin. And now they’ve really kind of, they haven’t backtracked. I think he’s, he’s, you know, his, his, um, I think the way he phrases is the blockchain’s a real thing. He never seems to really say the word Bitcoin, uh, in this regard. Um, banks in general, where do you think they’re headed with this stuff? I mean, I, you know, right now, again, you can kind of see even. Um, I think, you know, some of the big advisory firms suddenly recommending one to, you know, one to 4% of people’s portfolios in Bitcoin. I mean, this is all, I mean, gosh, I, I’ve, you know, been talking about Bitcoin since 2017. This is in unbelievable transformation in less than a decade. Where do you see this going in the next five to 10 years? It’s called the, it’s called, what is it? It’s called, I’m gonna call it the Evolution of Jim. Me, you know, in my business and, and, and, and you know, the thing I have book is I’ve survived and I’ve gone through a lot of cycles. I’ve done a lot, you know, and you ask yourself, you scratch your head a lot and you’re, and you, but you’re continually doing objective research and you’re this, if you, this is why I love this game so much. Right? So let’s just go stop for a second. Let’s get some context. Right. My first summer job, one of my first summer jobs, I worked in the basement of a bank in the in, in downtown Toronto, right up the street from the Toronto Stock Exchange. And my job was to let guys in with beak, briefcases into the cage, into the big vault, to basically bring in certificates. Okay. And, and what? Stock certificates. And so remember, you know, and I remember my grandfather when we, when he died, look at, we couldn’t sell the house because he didn’t believe in the banks. And we were finding certificates all over the house in the walls. Okay? Right. So in the 1960s it was bare based. The whole industry was bare based. And there was the volume in Wall Street started to pick up to the point where they couldn’t handle the volume. There was a paper crisis where almost a third of the companies went down bankrupt because of the cage. The cage. Okay. So basically what happened was, to make a long story short, they came out with, they came, Hey, why don’t we get two computers At one point in time, they said, okay, crisis. Let’s solve it. Well, why don’t we get these two computers and we can solve, or we can sell trades among, amongst each other. Okay. And then we don’t need to have guys riding around Wall Street with bicycles and big briefcases. Okay. And then what we did was, what we did was we sat there and said, well, why don’t we have a centralized clearing, and we’re gonna call it DTC or CDS, depending on what country you’re in. And what we’re gonna do is we’re gonna offer paper, we’re gonna, we’re gonna issue paper rights to the underlying stock that was developed in the early 1970s. That’s the system that we’re on right now. There are a lot of faults with that. Let me give you, when you’ve talked about the GameStop a MC situation, when you have a company that’s basically have more shares outstanding short, sorry, more shares short than outstanding, that shows you that the old system doesn’t work. It’s called ation. The paper writes to the underlying assets, it, it doesn’t match up. There have been guys that make a career outta this and write books about this, right? Dole Pineapple. They had a corporate, a corporate event, right? Hostile takeover. 64,000 for 64 million shares, voted, I think, and there was only 3,200 on. We all know this, so this has to be solved. The way you solve it is you tokenize assets, and this was talked about a decade ago, and they know about it and true tofor, they, and if you’re thinking about it, it’s totally logical, right? But if we allow this innovation to go full stream ahead, we’re wiped out, right? So what did they do? They delayed. They delayed. And as you know, you could talk about, it’s called Operation choke 0.2 0.0. Right. You know, the Fed overreached their bounds, they de banked people. I mean, this is why, why Best it’s going after them. They, yet they stepped over their constitutional mandate. Right. The federal, the Fed Act is not, uh, does not supersede the US Constitution. Elizabeth warned the whole thing. They did it. Okay, so let’s not complain about it. So now Atkins is gonna, we’re gonna have the Clarity Act come out and they’re gonna basically deregulate New York Stock Exchange already there. They’re gonna put everything on the blockchain and when you put everything on the blockchain, trade a settlement. There’s no hypo. Immediate settlement. Immediate, which is a benefit if you can get your act together because it, you know, for Wall Street firms you need less capital, right? So it’s a natural evolutionary process. And then you sit there and go back in history, if you and I were writing it, we’d sit there and go, well, should we be surprised that the incumbents right, the status quo pushed back on innovation? No, there was a guy, there was a prophet, um. At, at Harvard, his name was Clay Christensen, and he wrote this wonderful book called The Innovator’s Dilemma. You know, why does, why don’t companies evolve, or why do they go bankrupt? It’s because they cease to evolve and the status quo doesn’t allow the evolution of the companies to take place. Right? Well, that’s what happened in RA. We’re gonna complain about it. No, it, it is what it is. It’s water under the bridge. And so what I think is happening is, you know, Mr. Diamond is basically saying. He’s pragmatic, he’s a realist. And now he’s saying, we gotta evolve. And hey, by the way, now I’ve gotten to the point where I think I can make a tunnel. Think about that. Yeah. Think about his own stable coins, right? So his own stable coins. And, uh, well think about this. If you trade like internal meetings, right? And I’m hyped this hypothetical, right? I go, fuck, don’t screw this up this time. And you’re gonna go, Jim, what are you talking about? I go. We want a nice bread between bid and ask in these financial price. We don’t wanna go down to pennies. Okay? Can we go back to the old days when we were, you know, trading in quarters and sixteenths and so we can make some skin in the game? I think you’ve got the deregulation of the banking industry where the banks are gonna, they’re fit. It’s gonna be baby steps. But what’s gonna happen is they’re gonna basically say, stop taking all that capital that’s sitting at the Fed, making four or fed funds rate overnights wherever it’s four half, 3 75 right now. And you can now trade it. Go back to prop trading, which is what they did. And they’re gonna start off, they will start off with, its only treasuries. Eventually they’ll be able to expand throughout our lifetime. So the old way you gotta look at it is, you know. We’re bringing the ba, you know, we’re putting the band back together, man. Right. And the banks are gonna deregulate, they’re gonna deregulate the banks, they’re going to innovate, they’re gonna be able to use the capital, their earnings profile going out into the end of the decade. It’s, it’s gonna be monstrous, it’s gonna be, you know, it, it’s, it’s, and, and that’s how I get, you know, when people say, where do you think the s and p goes? You know, I say, you know, 14,000, you know, double from here by the end of the decade. And he goes, well, what about ai? I go, well, they’re gonna, that’s important, but it’s the banks. I think the banks are gonna have a renaissance. Yeah. Yeah. Um, one thing just to get your thoughts on, so when you look at the banks, you talked about sort of the inevitability of tokenization. Um, the stock exchange, uh, we talked about stable coins. I mean, another great way for banks to make money. Uh, essentially where does that, how, how does that help or hurt Bitcoin adoption? Because Bitcoin is a sort of a separate, separate, you’re not, you’re not building on Bitcoin as much as you are, say, Ethereum, Mar Solana or, you know, some of the, some of the blockchain things. So, so is it just that. Is it just a, an adoption issue? Because you live in a, in a different world. You live in a world of blockchain and Bitcoin is, its currency. It’s weird, right? Because I, I’m writing this feed like, so Buck, where are you right now? Where, where, where are you located? I’m in Santa Barbara. You’re in California. So, yeah, so I’m in Toronto, right? Uh, you know, I lived in, worked in the States for, you know, a decade, a couple of decades, and I’m back home and it’s like, man, they don’t get it. Right, and, and, and, and what am I talking about? Well, well, this, this is the, the thing that you’ve gotta understand is this, right. Ethereum was invented by Vladi Butrin in this town, Joe Alozo, who’s the head of one of the largest Ethereum groups. Father is a dentist at Bathurst and Spadina. We’re up here and people are saying, oh, you know, president Trump don’t talk about being a 51st state. We act like a colony, duke. We are a, you know, we forget about calling us one. We are. So, look, it, look, there is no doubt in my mind that Ethereum is going to have a place and, and we’re going to use it. Seems like we’re going to use Ethereum and that’s the smart contract, you know? Um. And that’s fine. Um, you know, but going back in time. But, but remember, there’s not per, there’s not perfect scarcity there. So I like Ethereum, don’t get me wrong, but I look at Bitcoin and I look at the, I look at the scarcity, and I also look at the fact of, you know, what sa, what Sailor, if you sailor did a presentation in the middle of next year and all hell broke loose. What he did, and it’s, you know, and of course I’m hypothesizing. He basically went to New York and said, I am going to create fixed income products and I am going to give yields. On those products, and I’m coming after the stranded capital that sits on Wall Street that you guys have been ripping on for years. In the middle of last year, staler went public and declared war. Okay. Are we surprised that Jim Shane Oaks came out and everybody came out basically guns a blazing. Are we surprised? But what he, what Sailor did and put and slammed on the table is it’s pristine capital, it’s transparent capital. And what are you willing to pay for that? And now you GARP banks trading at. We have no idea what their capital structure really is. Honestly, we have an idea, but it’s very opaque, right? You know, the high quality names are trading at two, two to, you know, two times tangible book. You’ve got fintech’s companies trading at four to five times, right book, and you know, what’s Sailor doing right now? Diluting his stock so he can buy as much Bitcoin as he wants because he sees the next game. He says the hell with what you guys think the next game is going to be. Wall Street’s going to realize that Bitcoin is pristine capital and there’s only 21 million of it. What do you and, and what just happened today? What did Morgan Stanley just file a treasury company. So everything you and I are talking about, they know they’re smart guys, right? They’re real, they’re not. That’s, this is the whole point. They’re really, really, really smart. Okay. They see they’ve gone through the history. They know. Okay, so you’re sitting there, you get around the room, you say, so wait a minute. Wait. Whoa, sailor’s over here. And he’s basically saying he’s gonna give you a a pref that’s basically backed by Bitcoin charging 10%. And he’s going after our corporate clients. I mean, and what’s the pitch Buck? You’ve got a hundred million dollars. Okay, you got a hundred million dollars in the kitty. Okay, buck. What happens is you need $10 million a year for working capital, which is in cash, which means you’ve got $90 million sitting there idle. Hey, buck, I can give you 10% on that. You go to Jamie, he’s giving you two. What are you gonna do? Yeah. I think one of the issues right now is I the, the perceived risk profile of that. Right. Uh, you know. I tend to agree with you about the, uh, pristine nature of Bitcoin s collateral, but just in general, the perception. I don’t know that, that that’s. That’s the case. Well, you gotta go back to the fact that, do you think Bitcoin’s going to zero or not? No, of course not. Yeah. ‘ cause the Bitcoin doesn’t go to zero. There’s no, then, then that are, there’s Bitcoin could go to zero. There’s no, I mean, I don’t think, I mean, non-zero probability, of course, right? I don’t think it is. And if that has been, if it has been selected and now you have Wall Street coalescing it, I haven’t even mentioned the president of the United States or his family. Right. Uh, or the Commerce Secretary and his family, right? Or if you go to New York, wall Street, right, they’re all talking about it, right? So, I, I, you know, to me, I, I, the question about micro strategy, to me it’s not. That it’s a treasury company and it’s got a pile of Bitcoin. What does he do with it? Does he become a bank? Like why does it, this is me. I’m pitching him. Right. Hey, Mike, why don’t you just become a FinTech, say you’re like a FinTech company and you’ll get, and you, you’re gonna instantaneously trade it five to six times book. Why don’t you, why are you, you’re talking like you’re attacking them, but you’re still, you’re still a software company with a, with a big whack of Bitcoin that you are writing pres. Right? So, and, and so that’s, that’s how I look at it. I think the wave is too big. We are going to digitize. And the other thing that we didn’t really touch on with respect to AI and blockchain, and I’m gonna paraphrase the president. Right. Um, Mr. Trump is, look, um, it’s a matter of national security, duke, and when I hear that, I go back to the nineties in the eighties when I was in late eighties when I was an undergrad. Right. And it wasn’t China, it was Japan. And, and you know, what happened was, you know, it, it’s funny, Al Gore did deregulate so that. The internet could become for-profit. We all stood around and said, you know what the hell could, how do we make money on this? That’s, you know, what do we do? And then what did we do? We, we, we threw a ton of money at it and the United States controlled it. And what did we get out of it? We got out, we got, you know, all those companies. Right. The last thing I would say to you, and this is much more of a personal story, is I, when I was younger, I was in New York and it was 2000 and I was at the Grand Hyatt, and it was a tech, it was a tech conference and, uh, Larry Ellison Oracle was there and he gave a, he gave a, he gave a a, a fireside chat. Then, um, we go to a breakout room and, you know, in a break, I don’t know about if you’ve been to one, but you go to a breakout room, it’s a smaller room at the hotel, and you know, sometimes you got 25 people, sometimes you got 50 people, right. And, you know, I went to the, I went to the breakout with Mr. Allison ’cause of Oracle and I went in there and it was absolutely jammed and I was sweating and he just looked at us and he just ripped us. He AP Soly, just, I still have the scars today. I’m talking to you about it. Okay. He called it a bubble. He called it a bubble. He, he was early in calling it a bubble. I never forgot that. And then you sit there and see what he’s doing right now. Where he’s levering up the balance sheet. Now, to me, having survived in this game for such a long period of time, and I call it a game, it’s a game of strategy, whatever, you know, how does that not, you know, I would say to you, we were, your office was next to mine. Fuck. I remember New York, he’s loading the goose loaded in. He go in, he’s borrowing money from his grandmother. He’s, you know, what is going on. And he’s really stinking smart. You know, he’s, he, Larry Allenson just doesn’t do, and people, oh, he’s in, you know, he’s, no, he’s not, he’s, he’s like the mentor of all of these guys. You know what I mean? So there’s a, to me, there’s a discontinuity that these need to believe that we’re still early on because you know, what, if Larry’s, what do we take when Larry or Mr. Ellison is leveraging up to me, it’s profound because I’m anchoring off of my bias to the New York, the New York high at, at the Tech Co. I think it was, I think it was at Bear Stearn. I couldn’t remember Bear Stearns or Lehman. But you know, one of those I carry that experience on with the rest of my life. I do. It’s like, what is Larry thinking? Right? So he’s leveraging up buck. That’s all I know. He’s a priest or guy. Well, that’s probably a good place for us to stop, Jim, uh, chief, uh, market strategist at Wellington Elta Private Wealth. Thank you so much for joining me. Thanks so much and be safe. You make a lot of money but are still worried about retirement. Maybe you didn’t start earning until your thirties. Now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put out by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens. The concepts here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealth formula banking.com. Welcome back to the show everyone. Hope you enjoyed it. Uh, and, uh, as I said before, do not ignore ai. This is something that you need to start using. Have your kids start using it. Uh, make sure that they, you know. They use it every day because this whole world is turning AI and it’s gonna happen. You know, it’s gonna happen in, in a blink of an, uh, blink of an eye. And the world is gonna change and there are gonna be real winners out there. And the winners are gonna be people who knew where there was, was going and kind of used it in their mind’s eye as they looked on navigating how. You know how to allocate their money. Anyway, that is it for me. This week on Wealth Formula Podcast. This is Buck JJoffrey signing off. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit wealth formula roadmap.com.

Payments shouldn't feel like a maze. We sit down with Kurv's CEO, Afshin Yazdian, to unpack how a legacy “lifestyle business” evolved into a modern payments platform by stripping out friction, investing in human-centered service, and doubling down on tools that make small businesses stronger. From tap-to-pay on everyday smartphones to faster access to funds, the strategy centers on clarity and speed so owners can focus on sales, staff, and customers - not statements and support tickets.Afshin walks us through his unconventional path from law to leading roles at iPayment, Priority, and Paysafe before acquiring and rebranding EMS as Kurv. He shares what it took to rebuild operations, unify a new leadership team, and scale applications and activations nearly 10x in 18 months. We explore why transparent pricing, intuitive onboarding, and self-service matter just as much as getting a live expert on the phone, and how that blend becomes a moat in a commoditized market.We also dig into the high-stakes frontier of AI and fraud. With more digital leads and synthetic identities hitting underwriting queues, Kurv deploys machine learning to protect onboarding and e-commerce merchants while preserving approval rates. Add in real-time payments for better cash flow and a truly omnichannel approach - retail, field services, and online and you've got a playbook for SMB payments that is powerful without being complicated. Along the way, Afshin makes a strong case for culture as strategy: communicate clearly, care for people, and let that pride carry through every interaction.If you're building, selling, or relying on payments, this conversation will leave you with practical ideas for simplifying workflows, reducing risk, and earning loyalty. 

In this episode of the 2026 Outlook Series, Craig Jeffery hosts Bob Stark of Kyriba, Rod Young of Deluxe, and Debbie Cunningham of Federated Hermes. They explore key trends for 2026, including agent-based AI, tokenized assets, regulatory shifts, liquidity planning, and the role of data in driving strategic decisions. This conversation builds on the fintech perspectives shared in Part 1 of this series, available here. Future episodes will round out the series with the bank view as well as the consultant view, offering a well-rounded outlook to help treasury teams prepare for the year ahead, so be sure to stay tuned for those. Company Websites: Kyriba: https://www.kyriba.com Deluxe: https://www.deluxe.com Federated Hermes: https://www.federatedhermes.com

C'est très rare, mais je suis trop malade pour assurer les épisodes, plus d'explications dans ce petit message de service. Je reviens très bientôt !Infos :Produit par Patrick Beja (LinkedIn) et Fanny Cohen Moreau (LinkedIn).---Liens :

Miriam Wohlfarth (Banxware) spricht über die härtesten Learnings beim Gründen im Fintech-Bereich — und warum Regulatorik zum entscheidenden Erfolgsfaktor wird. Du erfährst, warum Miriam ohne Anwalt kein Fintech mehr starten würde und wieso falsche Entscheidungen aus der ersten Gründung sie heute anders handeln lassen. Was du lernst: Warum ein guter juristischer Co-Founder oder Berater in Fintechs kein Nice-to-have, sondern Überlebensfaktor ist. Welche typischen Fehler First-Time-Founder machen — und wie du verhinderst, zu früh zu viele Anteile abzugeben. Was regulatorische Anforderungen wirklich bedeuten — inklusive BaFin-Post, Lizenzstress und Worst-Case-Szenarien. Warum Europa Fintech stärker bremsen kann als es muss — und wie Länder Regulierung unterschiedlich interpretieren. Weshalb Regulatorik Innovation nicht verhindern muss — solange sie klar, verlässlich und dialogorientiert ist. ALLES ZU UNICORN BAKERY: https://stan.store/fabiantausch   Mehr zu Miriam: LinkedIn: https://www.linkedin.com/in/miriam-wohlfarth/  Banxware: https://www.banxware.com/ Join our Founder Tactics Newsletter: 2x die Woche bekommst du die Taktiken der besten Gründer der Welt direkt ins Postfach: https://www.tactics.unicornbakery.de/ 

When it comes to the financial sector, Gerald Sparrow says he's bullish due to a positive economic backdrop paired with resilient consumers. He names Visa (V) and American Express (AXP) as beneficiaries for both metrics with spending expected to accelerate. Gerald labels Coinbase (COIN) as another firm to accelerate momentum as crypto adoption grows. ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

We're joined by Rachel Platt, Founder & CEO of Plattinum Consulting, on the latest episode of The Biz To Biz Podcast.Rachel brings deep expertise in payments, fintech, and strategic consulting—sharing real-world insights on navigating complex payment ecosystems, scaling smart, and building sustainable growth.This is a must-listen for anyone in fintech, payments, or B2B leadership.

Episode 105: Fintech This month on Calendar Call, Paul Bourdoulous talks with Attorney Jesse Silverman, from Troutman Pepper Locke about financial technology, otherwise known as fintech. Paul and Attorney Silverman give lawyers practical understanding of the fintech landscape, what it is, where it fits in, and how interested lawyers may support a client in this fast-changing space. Some topics include regulations and oversight, current gaps between tech and law, privacy, and more. Gramm-Leach-Bliley Act Chevron Deference

Thanks so much to Bluevine Chief Product Officer Herman Man for joining us with some sharp fintech insights. The latest on the SMB market, the limits of traditional banks and we learn about AIO this week on the Fintech Newscast https://www.bluevine.com Click Subscribe to keep up to date on the world of fintech!  Reach us at … Continue reading Ep 273- Bluevine CPO Herman Man

What if account-to-account payments felt as dependable as swiping a card? We sit down with Keith Raphael, Co-founder and CEO of Straddle, to explore how a trust-first approach can transform ACH, RTP, and FedNow into fast, reliable options that product teams and finance leaders can actually count on. Keith's journey from hardcore compliance to building a unified API offers a rare, inside look at what it takes to replace “file uploads and hope” with identity-led orchestration and clear, real-time visibility.We unpack the core idea that money moves at the speed of trust and how the lack of a strong identity layer has kept A2A stuck in 1970s-era uncertainty. Keith explains how Straddle combines KYC, fraud detection, open banking connectivity, tokenization, and multi-rail routing to solve the “where is my money” gap for subscriptions, stored-value wallets, remittances, marketplaces, and B2B flows. We also dig into US-specific headwinds: no regulatory mandate for open banking or instant payments, incumbent pricing strategies that protect debit economics, and the resulting friction for adopters.From the rise of platforms and embedded finance to direct-to-rail integrations and the cautious reality of stablecoins, Keith lays out a pragmatic roadmap for scaling bank payments without sacrificing compliance or customer trust. The lesson from Stripe and Square still stands (simplicity wins) but it now applies to ACH, RTP, and FedNow. 

In this episode of One Vision — FinTech Fuse, we took a deep dive into Walmart with Finovate's very own Julie Muhn. We started with Walmart's bold move to apply for an ILC charter in 2005, their foray into fintech with OnePay, and the wide array of services they now provide beyond retail. The conversation explored Walmart's integration of emerging technologies like AI and agentic commerce, as well as potential future developments and implications for traditional banks in retaining customer loyalty and trust in an increasingly digital financial landscape.00:00 Introduction and Guest Welcome01:07 Walmart's Evolution in Financial Services02:43 Walmart's Super App Ambitions03:41 Walmart's Diverse Service Offerings07:15 Challenges and Limitations of Walmart's App11:01 Agentic Commerce and Future Prospects18:31 Behavioral Data and Consumer Trust26:23 Conclusion and Final Thoughts

This episode of The Edge of Show was recorded live at the Future of Money, Governance, and the Law (FOMGL) 2025 event in Washington, D.C., where policymakers, financial institutions, and technology leaders came together to address how emerging technologies are reshaping global finance.In this conversation, Eleanor Terrett, Marcus Veith, Wee Kee Toh, and Paul Dowding dives explore how major financial institutions like JP Morgan and Grant Thornton are moving beyond experimentation and embracing real-world blockchain solutions, from stablecoin adoption and tokenized deposits to the challenges facing auditors and regulators in a world that's quickly moving on-chain.Key takeaways:Why this is the year institutions are going all-in on crypto and DeFiReal-use cases for blockchain in global banking, treasury management, and auditsThe evolution from private, permissioned blockchains to public networks—and what's next for mainstream adoptionThe regulatory landscape in the U.S., what clarity acts mean for crypto-native and traditional companies, and how to prepare your organization for what's aheadWe'll cut through the buzzwords with honest takes, contrarian views, and practical advice from industry leaders who are building the future of finance right now. Whether you're just crypto-curious or deeply involved in fintech innovation, this episode will level-up your understanding.Support us through our Sponsors! ☕ Want to make content like ours? Sign up with Castmagic to make your creative process easy: https://bit.ly/CastmagicReferral Work smarter, grow faster. Automate your SEO, get AI insights, and manage all your clients in one place with Helm. Start today at helmseo.comAre you a content creator, podcaster or interested in your business getting its voice out there? Then reserve a .podcast domain by paying just one-time as little as $10 for a lifetime of benefits! Check out the details and snag your .podcast domain today! https://get.unstoppabledomains.com/podcast/

Maor Greenberg is the co-founder and CEO of Spacial, the AI-powered engineering partner delivering coordinated, permit-ready structural, MEP, and energy plans for residential construction. With over 19 years of experience as a builder and founder, Maor previously scaled Greenberg Construction, Greenberg Design Gallery, and VRchitects, earning Inc. 5000 honors and multiple design awards. At Spacial, he combines deep field experience with cutting-edge AI to reduce permitting friction and accelerate housing delivery. His work has been featured in Forbes, TechCrunch, and CTech, and he actively invests in forward-thinking AEC and AI startups.(01:33) - Maor's Journey to the US (02:54) - Challenges in Architectural & Engineering Processes(04:05) - The Pain Points Leading to Spatial AI (05:31) - Permitting Bottlenecks in Construction (06:05) - Design & Construction Integration Issues (08:24) - AI's Role in Streamlining Processes (09:29) - Success Stories & Milestones(15:07) - Shoutout: AmTrustRE's $217M Office Acquisition of 260 Madison(15:54) - Feature: Blueprint - The Future of Real Estate - Register for 2026 (17:02) - Standardized Pricing & Adoption (18:55) - Speed vs. Quality in Engineering (24:53) - Modular Housing (28:25) - Future Vision for Spatial AI (29:09) - Collaboration Superpower: Elon Musk

Digital banking has become the largest branch of modern banking, yet most banks and credit unions still aren't approaching these experiences with a product mindset. They're managing digital channels the way they've always managed technology: as IT projects, rather than products that need constant refinement based on user behavior. The result is an ecosystem where institutions miss opportunities to serve different customer segments effectively and struggle to demonstrate ROI on their digital investments. "Banks sell rails, and fintech sells outcomes," said Dados' Christine Berry, a quote that Anthony Ianniciello, VP of Product Management at Q2, says encapsulates the fundamental shift that needs to happen. "That really gets to the heart of how you shift that mindset away from, I have this thing, and I have it for you, as opposed to, here's what I really want to drive for your success." Q2 has partnered with Pendo, a product experience platform, to help regional and community financial institutions make this transition. Trisha Price, Field Chief Product Officer at Pendo and host of the Hard Calls podcast, brings a cross-industry perspective on how companies leverage behavior data and analytics to build better products. Listen to this podcast to learn how banks and credit unions are using product management principles, user behavior data, and in-app guidance to transform their digital channels from cost centers into strategic growth drivers. And for a deeper dive into how Software Experience Management can boost banker productivity and drive measurable ROI.

Lenny Rabin, founder of direct advertising group Brown Boots and their reward app platform Go-Kart, joins Taylor Lobdell to dissect the evolution of rewarded user acquisition, focusing on how direct publisher-advertiser relationships can solve long-standing industry inefficiencies. Rabin, with over a decade in rewarded traffic and ad tech, explains why most publishers dislike third-party monetization platforms, how custom tech stacks like Go-Kart enable deeper, more transparent deals, and what both advertisers and publishers must do to thrive in an increasingly mainstream and competitive rewards ecosystem. This episode tracks the practical realities of running direct-sold inventory at scale, dives into shifts in audience intent (from GPT sites to fintechs), and breaks down why most campaigns fail. Rabin also shares founder lessons for building in ad tech without an engineering background.Questions addressed in this episode:What's the origin story behind Brown Boots and Go-Kart?Why do most publishers dislike monetizing via third-party networks?What core problems do direct publisher-advertiser relationships solve that networks can't?What are the unique challenges in building a tech stack for rewarded offers?How does Go-Kart's programmatic model differ from legacy platforms?Who is the ideal client for Brown Boots vs. Go-Kart?What major changes has Rabin seen in rewarded marketing over 15 years?How do publisher audiences shape campaign strategy and outcomes?What retention and LTV signals matter most for performance marketers?What timeline is realistic for testing new rewarded channels?Where do most advertisers and publishers fail in UA campaign collaboration?What's Rabin's advice for ad tech founders without a technical background?Timestamps:(0:04) – Intro and Lenny's background(0:27) – Brown Boots & Go-Kart origin story(1:55) – Direct publisher-advertiser relationships explained(3:22) – Building custom tech for publishers(5:20) – Ideal customer for Brown Boots and Go-Kart(6:30) – Fintech, UA, and why rewarded offers are growing(9:00) - What has changed the most in rewarded traffic acquisition(11:15) – How intent differs between GPT sites and fintech audiences(13:05) - How does that change the value proposition for app marketers(13:45) – Advertiser mistakes: not understanding publisher audiences(15:06) – How long to test new channels; why 90 days matters(16:46) – The retention metric and why it drives value(17:46) – Go-Kart's programmatic disruption(18:18) – Why last-mile delivery in rewarded UA is broken(21:00) – The tech stack vision: features, flexibility, and future(27:00) – Lessons in building ad tech as a non-engineer(35:00) - Rapid fire roundQuotes:(1:05) "Publishers wanted less opaqueness in the revenues that they were making and also deeper partnerships with the advertisers."(5:00) "Rewarded traffic is a medium which continues to grow and is becoming more mainstream."(6:46) "Any app that has a core product offering not related to rewarded marketing and has a rewarding mechanism is a good target."(11:29) "On a GPT site, users come to the site specifically to earn rewards... Your quality of your user is inherently low."(13:55) "Every publisher will have a specific and unique audience and catering the campaign specifically to that audience is a big miss."(21:55) "Let's not be spending our time dealing with data loss and dealing with small decisions. Let's spend our time talking about how we create custom campaigns."Mentioned in this episode:Brown BootsLenny on Linkedin

Discover how to rise above the "ChatGPT era of slop" and ensure your brand's unique voice isn't lost in a sea of robotic prompts.In this episode of Content Amplified, host Benjamin Ard sits down with marketing veteran Chantal Sagnes to dissect the pendulum swing between AI efficiency and human connection. As content volume explodes, Chantal argues that the "old way" of strategic insight and storytelling is not dead—it is actually your greatest competitive advantage. They discuss why brands must resist the urge to "prompt first" and instead double down on the raw, behind-the-curtain realness that algorithms can't replicate.In this episode, we cover:Why relying on AI tools often strips brands of their unique personality and DNA.The dangers of the "prompt first" mentality and how it threatens original thought.How to use AI to cure writer's block without sacrificing your authentic voice.Real-world examples of agencies and brands, like Mischief and Aerie, that are winning by staying scrappy and real.Why "behind the scenes" content is becoming more valuable than polished, over-produced media.About Chantal Sagnes: Chantal Sagnes is a Fractional Managing Director and New Business Lead with over 15 years of experience in advertising. A New Yorker with a Parisian background, she has led innovations at consultancies like CoCollective, opened agency offices in Los Angeles, and managed marketing for FinTech startups in Belgium. She currently helps agencies and brands find their unique positioning to move businesses forward.Connect with Chantal on LinkedInVisit Chantal's WebsiteText us what you think about this episode!

QNB Dijital Köprü katkılarıyla hazırladığımız 288. bölümde Technical Product Leader Tuğçe Kızılçakar konuğum oldu. QNB Dijital Köprü katkılarıyla... Bu bölüm ⁠⁠⁠QNB Dijital Köprü⁠⁠⁠ hakkında tanıtım içerir. ⁠https://www.qnb.com.tr/dijitalkopru⁠ Son yıllarda fark etmeden hepimiz cebimizde birer “mini banka” taşır hâle geldik. Dijital cüzdanlardan yapay zekâ destekli finans asistanlarına uzanan bu dönüşümde; para yönetimi, hız, güvenlik ve kullanıcı deneyimi yeniden tanımlanıyor. Dünya Trendleri'nde Tuğçe Kızılçakar ile FinTech'in yükselişini, bankalarla girişimler arasındaki farkları ve 2026 sonrası finans dünyasında bizi bekleyen yenilikleri konuşuyoruz. (00:00) – Açılış (00:50) – Tuğçe Kızılçakar'ı tanıyoruz. (02:00) - Son yıllarda hepimiz fark etmeden birer “mini banka” kullanıcısına dönüştük. Sizce para kullanma ve yönetme biçimimiz son 5 yılda nasıl değişti? (04:40) – FinTech'te ürün yönetimi neden bu kadar kritik hâle geldi? Hız mı, güvenlik mi, kullanıcı deneyimi mi yoksa üçünün birleşimi mi? (08:53) - Bankalar ile FinTech girişimleri arasında hız, inovasyon ve risk alma açısından en büyük farklar neler? Bu fark kullanıcıya nasıl yansıyor? (10:37) - Yapay zeka finans dünyasını nasıl değiştiriyor? Kullanıcıların finansal stresini azaltan mı, yoksa onları yönlendiren bir teknolojiye mi dönüşüyor? (12:20) – Yapay zekadan finans danışmanlığı almak… (12:50) – Süper App çağındayız… (13:50) - 2026 ve sonrasında bizi hangi finansal yenilikler şaşırtacak? Siz neyi öne çıkarırsınız? (14:26) – Fintech startupları güveni kazanmak için neler yapmalı? (15:50) – Yeni nesil için finans nasıl? (16:48) – Bugün bir fintech girişimi kursaydınız hangi soruna odaklanırdınız? (17:45) - Dijital cüzdanlar, kişisel finans asistanları, otomatik tasarruf sistemleri… (18:05) – Kitap önerisi Kancaya Takılınca: Alışkanlık Yaratan Ürünler Nasıl Geliştirilir? - https://www.goodreads.com/book/show/62123887-kancaya-takilinca?ac=1&from_search=true&qid=KPFUF9Z7E9&rank=1 Yalın Ürün El Kitabı: MVP'lerle Yenilik ve Girişimcilik - https://www.goodreads.com/book/show/35387928-yal-n-r-n-el-kitab?ac=1&from_search=true&qid=Of9y9EWjk0&rank=1 (19:07) - Kapanış Sosyal Medya takibi yaptın mı? ⁠⁠X⁠⁠⁠⁠⁠⁠  – ⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠ – ⁠⁠⁠⁠⁠⁠Linkedin⁠⁠⁠⁠⁠⁠ – ⁠⁠⁠⁠⁠⁠Youtube⁠⁠⁠⁠⁠⁠ – ⁠⁠⁠⁠⁠⁠Goodreads⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Bülten⁠⁠⁠⁠⁠⁠ – ⁠⁠⁠⁠⁠⁠E-Posta⁠⁠⁠⁠⁠⁠ – Bu çalışmaları ve emeklerimi desteklemek için ⁠⁠⁠⁠⁠⁠Patreon⁠⁠⁠⁠⁠⁠  ve ⁠Buy Me A Coffee⁠ hesabımız⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

In this insightful and thought-provoking episode of the FinTech Hunting Podcast, host Michael Hammond sits down with Trina, Senior Director of Servicing Product Strategy at ICE Mortgage Technology, to explore how AI is transforming mortgage servicing and borrower experience.Learn how AI tools like call prediction, note summarization, chatbots, and intelligent virtual agents (IVAs) are driving:Reduced call handling timesImproved borrower empathy and personalizationSelf-service capabilities that match borrower preferencesIncreased retention and repeat businessDiscover how lenders can meet borrowers where they are, increase satisfaction without sacrificing efficiency, and support them during difficult financial moments—without judgment.Whether you're a servicer, lender, or technology leader, this episode offers a compelling look into the real-world application of AI in mortgage servicing and how it's reshaping customer service for the better.

From building Braintree to launching Blueprint, Bryan Johnson reveals how the systems architecture of FinTech and the philosophy of crypto are powering a new, autonomous roadmap to reverse human aging and operationalize immortality. Founder and CEO of Blueprint and Don't Die, Bryan Johnson, joins Gen C to discuss why the philosophy of crypto has the same mindset required to solve human aging. Bryan reveals how he is applying FinTech systems-thinking to the human body through "Autonomous Health" and bio-algorithms. We explore his journey to reverse his biological age and why the tech community is the primary driver of the next great evolution in human existence. - Links mentioned from the podcast:  Bryan's Twitter  Blueprint Website Don't Die Website - Follow us on Twitter:  Sam Ewen, CoinDesk - From our sponsor: Check out CoinDesk's research report on KuCoin at: https://www.coindesk.com/research/kucoin-hits-record-market-share-as-2025-volumes-outpace-crypto-market - "Gen C" features host Sam Ewen. Executive produced by Uyen Truong.

Amias Gerety, Partner at QED Investors, brings an unconventional perspective to venture capital shaped by his eight years at the US Treasury Department during the financial crisis. A mechanical thinker, Amias applies an essentialist approach to understanding how businesses work. He explains why QED looks for companies that triple every six months at Series A, how inverted AI creates new opportunities in financial services, and why the best advice for founders remains timeless: build something people want and charge more than it costs to make. With insights on the AI bubble, the application layer renaissance, and why saying no 99 times out of 100 is the real job of a VC, Amias offers a masterclass in disciplined, thesis-driven investing.In this episode, you'll learn:[01:24] Amias's unique path from politics and Treasury to venture capital[05:13] The lever theory: how government and VC create systemic change[07:12] Why mechanical thinking and first principles matter in VC[14:48] QED's investment sweet spot: Series A and series B with undeniable momentum[19:25] What product-market fit really means and how to recognize it[22:14] Inverted AI: Why the world needs financial services for the AI economy[26:43] The AI bubble paradox: overvalued companies, transformative technology[32:57] Why early-stage founders should ignore the macro and focus on customers[34:31] The brutal math of ventureThe nonprofit organization Amias is passionate about: EastersealsAbout Amias GeretyAmias Gerety is a Partner at QED Investors, where he focuses on FinTech and InsurTech investments. Before joining QED in 2017, Amias spent eight years at the US Treasury Department from the first day of the Obama administration through its final day. During his tenure, he helped write the Dodd-Frank Act and built the Financial Stability Oversight Council, the organization responsible for monitoring systemic risk in the US financial system. His government experience during the financial crisis gives him a unique perspective on market dynamics and regulatory frameworks. A mechanical thinker who approaches investments with an essentialist mindset, Amias has invested in companies like Kin Insurance, Prosper, and Tint. He previously worked as a management consultant and with Save the Children in East Africa.About QED InvestorsQED Investors is one of the most successful venture capital firms focused on FinTech investments globally. As a multi-stage, global firm with a $650 million early-stage fund and $300 million growth fund, QED specializes in Series A and B investments in companies demonstrating exceptional momentum and product-market fit. The firm requires portfolio companies to show dramatic growth—expecting tripling in six months for Series A and tripling in a year for Series B investments. QED's partners bring deep domain expertise from building and scaling financial services companies, with a particular focus on companies that are reshaping financial services through technology. The firm is known for its rigorous, thesis-driven approach to investing and its high conviction in backing founders who have found authentic product-market fit in large, expanding markets.Subscribe to our podcast and stay tuned for our next episode.

Today, we're joined by Anders Jones, CEO and Co-founder of Facet, provider of impartial and valuable financial advice and services at an affordable membership fee. We talk about:The future role of AI in financial adviceDecreasing headcount & SaaS spend due to building AI automation toolsThe changing value proposition of softwareThe processes required for an AI agent to function effectivelyWhy building an AI wrapper on top of a platform is not a sustainable business model

Cash flow used to mean waiting and worrying. Today, it can mean deciding and doing. We sit down with Ana Garcia of JPMorgan Payments and James Chi of Block to unpack how real-time payments are reshaping the small business playbook - turning every sale into instantly usable working capital and replacing uncertainty with visibility you can act on.Ana pulls back the curtain on how instant payments actually work: APIs or portals trigger transactions, banks authenticate and screen for fraud and compliance, networks like The Clearing House RTP clear and settle, and funds land in seconds with instant confirmation. James maps those capabilities to real merchant needs - Square's instant transfers to linked accounts, immediate spend via Square Checking, and faster marketplace payouts for merchants - showing how speed enables on-time payroll, proactive inventory management, and smoother refunds.We also get real about adoption. Many owners still don't know they can move money this fast, so education in context is key - surfacing instant options exactly when cash is tight. On safety, both leaders emphasize layered defenses: identity checks, behavioral analytics, transaction limits, and step-up authentication, proving you don't need to trade security for speed. Looking forward, we explore request for payment for cleaner collections, the march toward near-universal bank coverage, and the promise of cross-border instant payments that could redefine supplier and marketplace flows. If you care about liquidity, predictability, and customer trust, this conversation shows how real-time payments turn pressure into momentum.This episode is part of our special series on The Future of Modern Payments sponsored by The Clearing House.

Au programme :OpenAI veut vous aider à comprendre votre situation médicaleGoogle repense votre inbox (à l'IA bien sûr)Le scandale Grok en dit beaucoup sur la modérationLe reste de l'actualitéInfos :Animé par Patrick Beja (Bluesky, Instagram, Twitter, TikTok).Co-animé par Korben (site)Produit par Patrick Beja (LinkedIn) et Fanny Cohen Moreau (LinkedIn).Musique libre de droit par Daniel BejaLe Rendez-vous Tech épisode649 - La goutte qui fait déborder Grok (et le podcast) - ChatGPT Health, Gmail AI Inbox, modération---Liens :

The Cybercrime Wire, hosted by Scott Schober, provides boardroom and C-suite executives, CIOs, CSOs, CISOs, IT executives and cybersecurity professionals with a breaking news story we're following. If there's a cyberattack, hack, or data breach you should know about, then we're on it. Listen to the podcast daily and hear it every hour on WCYB. The Cybercrime Wire is brought to you Cybercrime Magazine, Page ONE for Cybersecurity at https://cybercrimemagazine.com. • For more breaking news, visit https://cybercrimewire.com

From building Braintree to launching Blueprint, Bryan Johnson reveals how the systems architecture of FinTech and the philosophy of crypto are powering a new, autonomous roadmap to reverse human aging and operationalize immortality. Founder and CEO of Blueprint and Don't Die, Bryan Johnson, joins Gen C to discuss why the philosophy of crypto has the same mindset required to solve human aging. Bryan reveals how he is applying FinTech systems-thinking to the human body through "Autonomous Health" and bio-algorithms. We explore his journey to reverse his biological age and why the tech community is the primary driver of the next great evolution in human existence. - Links mentioned from the podcast:  Bryan's Twitter  Blueprint Website Don't Die Website - Follow us on Twitter:  Sam Ewen, CoinDesk - From our sponsor: Check out CoinDesk's research report on KuCoin at: https://www.coindesk.com/research/kucoin-hits-record-market-share-as-2025-volumes-outpace-crypto-market - "Gen C" features host Sam Ewen. Executive produced by Uyen Truong.

We are live from the Gartner IAM Summit 2025 in Grapevine, Texas! In this episode, we welcome back Sarah Clark, now the Chief Product Officer and GM of North America at Hopae. Sarah shares her journey from Mastercard to buying rainforests in Costa Rica and rescuing dogs, before diving deep into the world of digital identity infrastructure. We discuss connecting government-issued digital IDs with the private sector to combat fraud and improve user experiences. Sarah breaks down the differences in global adoption, highlighting why the EU is leading the charge with upcoming mandates and how countries like Brazil and India are scaling their programs. We also explore the state of mobile driver's licenses in the US, the potential for age verification and workforce management use cases, and whether the US can catch up to the rest of the world. Plus, we wrap up with a heartfelt conversation about dog rescue and the challenges of pet adoption.Connect with Sarah https://www.linkedin.com/in/sarahmclark/Connect with us on LinkedIn:Jim McDonald: https://www.linkedin.com/in/jimmcdonaldpmp/Jeff Steadman: https://www.linkedin.com/in/jeffsteadman/Visit the show on the web at http://idacpodcast.comTimestamps00:00:00 - Intro: Live from Gartner IAM Summit 202500:01:25 - Introducing Sarah Clark and her journey to Hopae00:03:00 - What is Hopae and the vision for digital identity infrastructure?00:04:19 - Why governments are moving toward digital IDs (186 countries!)00:05:32 - Solving the fraud crisis with government-issued credentials00:07:05 - The benefits: Security, efficiency, and inclusion00:08:52 - Global adoption curves: India, Philippines, and Brazil00:10:48 - The EU vs. US: Who is winning the digital ID race?00:14:04 - eIDAS 2.0 mandates and the intermediary role00:17:03 - Future trends: Age verification, Fintech, and stablecoins00:19:54 - Workforce management and "Know Your Employee"00:21:28 - Sarah's passion project: Rainforest preservation and dog rescue00:25:35 - Closing thoughts on the future of identityKeywordsIDAC, Identity at the Center, Jeff Steadman, Jim McDonald, Sarah Clark, Hope, Digital Identity, Digital Wallets, Mobile Driver's License, mDL, eIDAS 2.0, Identity Verification, Fraud Prevention, KYC, Verifiable Credentials, Gartner IAM Summit, Digital Infrastructure, Biometrics, Age Verification

In this episode of One Vision — FinTech Fuse, we took a deep dive into Walmart with Finovate's very own Julie Muhn. We started with Walmart's bold move to apply for an ILC charter in 2005, their foray into fintech with OnePay, and the wide array of services they now provide beyond retail. The conversation explored Walmart's integration of emerging technologies like AI and agentic commerce, as well as potential future developments and implications for traditional banks in retaining customer loyalty and trust in an increasingly digital financial landscape.00:00 Introduction and Guest Welcome01:07 Walmart's Evolution in Financial Services02:43 Walmart's Super App Ambitions03:41 Walmart's Diverse Service Offerings07:15 Challenges and Limitations of Walmart's App11:01 Agentic Commerce and Future Prospects18:31 Behavioral Data and Consumer Trust26:23 Conclusion and Final Thoughts

Send us a textJamie Rosenberg is the Founder and Executive Chairman of ClassWallet, a fintech platform modernizing how public education funds are distributed to schools and families. A longtime social impact entrepreneur, he previously founded AdoptAClassroom.org and has spent over two decades focused on getting dollars closer to students.

The Small Business Administration (SBA) recently suspended nearly 7,000 Minnesota borrowers for suspected fraud in pandemic-era small business loans totaling nearly $400 million.“We worked through the holidays, from Thanksgiving up to New Year's on about 20,000 different files, found about 8,000 instances of fraudulent loans, and moved quickly to make sure that those borrowers … could never access the services of the SBA again,” said SBA Administrator Kelly Loeffler.They'll now be taking the same model to investigate other states for COVID-era abuse of the Paycheck Protection Program and Economic Injury Disaster Loans.In this episode, I sat down with Loeffler to understand her work targeting fraud nationwide, bolstering domestic manufacturing, cutting regulations, and ending politically motivated debanking.Loeffler grew up on a family farm in Illinois, was the first in her family to graduate from college, and later became a successful businesswoman in finance and FinTech before becoming a U.S. senator and now head of the SBA.Views expressed in this video are opinions of the host and the guest, and do not necessarily reflect the views of The Epoch Times.

In This Episode This week on Breaking Banks, we spotlight our sister podcast, The Bankers' Bookshelf, hosted by Paolo Sironi. In this episode, Paolo sits down with frequent Breaking Banks guest Leda Glyptis to discuss her book, “Beyond Resilience: Patterns of Success in Fintech and Digital Transformation”. Drawing from candid interviews with leading entrepreneurs, Leda moves past the typical success stories to uncover the raw realities of building groundbreaking ventures. She offers an honest exploration of digital transformation, including the lessons learned, inevitable mistakes, course-corrections, and the personal and professional growth required to lead through the messiness of digital change. Leading fintech transformation demands more than sheer resilience: it's about wielding control amid chaos, maintaining consistency and integrity, and standing firm, whether solo or with a team. This conversation is essential for anyone navigating the complexities of fintech transformation. Listen now!

Welcome to B2B Vault, the Biz2Biz Podcast, sponsored by Nationwide Payment Systems and our new product, NPS One Smart Invoicing Tool for businesses. In this episode, we talk with Kevin Hart and Michael Andrews about how they've solved a problem for the modern small business. This discussion offers valuable business consulting and workplace solutions for any start up business looking to enhance their operations. We also cover office essentials and how business accounting software can streamline your processes.Thanks for watching! Go ahead and like, comment, subscribe, and turn on post notifications!

In this episode of Tank Talks, host Matt Cohen is joined by Avinash Chidambaram, the CEO of Cybrid, to dive into the evolving role of stablecoins in global trade. Avinash, a pioneer in the world of FinTech, shares his journey from working with Blackberry and Interac to leading Cybrid's mission to bridge stablecoins with traditional banking infrastructure. He discusses the growing importance of stablecoins as a fast, secure, and efficient method of cross-border payments, especially in an era marked by geopolitical tensions. Recurring guest John Ruffolo also joins the conversation to provide his expert perspective on the implications of stablecoin adoption and how it's reshaping the financial ecosystem globally.With insights into the regulatory shifts happening globally and the potential of blockchain to solve longstanding issues in the financial sector, this episode offers a deep dive into the future of money and its role in cross-border transactions. Whether you're a fintech enthusiast or a business leader looking to stay ahead of the curve, this conversation is packed with valuable insights.The Evolution of Payments & Stablecoin Adoption (04:55)From his experience at Blackberry and Interac, Avinash discusses the historical challenges of digital payments and how stablecoins are solving the efficiency problem.How Stablecoins Differ from Traditional Banking (06:08)Avinash compares traditional payment systems like Zelle and Interac with stablecoins, highlighting the advantages of decentralization and real-time settlement without intermediaries.The Role of Canadian Banks in the Stablecoin Revolution (10:23)Avinash discusses the role of Canadian banks in adopting stablecoin infrastructure, focusing on how they can enhance cross-border payments and gain a competitive edge.Tokenized Deposits vs. Stablecoins: What's the Difference? (13:36)John and Avinash explore the distinction between tokenized deposits and stablecoins, examining how both concepts will evolve in the Canadian market and globally.Stablecoin Interoperability & Global Trade (18:17)Avinash elaborates on the need for interoperable stablecoins, ensuring businesses can transact globally without the constraints of traditional payment systems.The Future of Stablecoin Integration with Traditional Financial Systems (22:44)How Cybrid's infrastructure is designed to bridge the gap between stablecoins and fiat currencies, enabling businesses to transact across multiple stablecoins and blockchains seamlessly.Banks vs. Crypto Platforms: Who Will Win the Stablecoin Battle? (25:59)Matt, Avinash, and John discuss the competition between traditional banks and crypto platforms like Coinbase, debating which will dominate the future of global payments.The Geopolitical and Economic Implications of Stablecoins (35:40)John discusses how stablecoin adoption is becoming a geopolitical issue, with countries like China and the U.S. influencing global trade through their stablecoin policies.The Shift in Financial Infrastructure & What's Next for Stablecoins (39:50)Avinash predicts the future of stablecoins in financial systems, highlighting how regulations and technological advancements will shape the industry's evolution.About Avinash ChidambaramAvinash Chidambaram is the co-founder and CEO of Cybrid, a Toronto-based fintech company that specializes in stablecoin infrastructure. With over two decades of experience in financial technology, Avinash has worked with top institutions like RBC, Scotiabank, and Blackberry. Under his leadership, Cybrid has grown rapidly and is playing a pivotal role in enabling faster, more secure cross-border payments through stablecoins.Connect with Avinash Chidambaram on LinkedIn: https://www.linkedin.com/in/avinashchidambaram/Visit the Cybrid website: https://cybrid.xyz/Connect with John Ruffolo on LinkedIn: https://ca.linkedin.com/in/joruffoloConnect with Matt Cohen on LinkedIn: https://ca.linkedin.com/in/matt-cohen1Visit the Ripple Ventures website: https://www.rippleventures.com/ This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit tanktalks.substack.com

Thanks so much to Nnamdi Okike, Co-Founder and Managing Partner at 645 Ventures for joining us on the Fintech Newscast. Listen in for insights on the AI bubble, how fintech founders should raise capital and a lot more this week https://645ventures.com Click Subscribe to keep up to date on the world of fintech!  Reach us at … Continue reading Ep 272- 645 Ventures Managing Partner Nnamdi Okike

Tzvika Graiver is the co-founder and CEO of RoboChute, the company reinventing how buildings manage trash chutes using smart, autonomous robots. With a background in law and a deep commitment to environmental innovation, Tzvika brings a unique blend of strategic insight and operational grit to the built world. RoboChute's system proactively cleans, monitors, and extends the life of garbage chutes—already delivering healthier air and lower costs in buildings across Israel. Tzvika is also the longtime Chairman of KeepOlim, a nonprofit supporting new immigrants in Israel through business development and community advocacy. Whether launching robotics or empowering new communities, he's focused on building smarter, more inclusive buildings and cities from the inside out.(01:35) The Problem with Garbage Chutes(05:46) Cost & Maintenance of Garbage Chutes(07:49) VC on hardware vs. software(12:06) Challenges & Opportunities in Robotics(21:16) Future of Real Estate & Robotics(24:02) Feature: Blueprint - The Future of Real Estate - Register for 2026: The Premier Event for Industry Executives, Real Estate & Construction Tech Startups and VC's, at The Venetian, Las Vegas on September 22nd-24th, 2026. As a friend of Tangent, you can save $300 on your All-Access pass(24:51) Robots in Real Estate Operations(25:16) The Importance of Building Automation(27:06) Innovative Solutions for Waste Management(28:23) The Role of AI in Building Management(32:03) The Rise & Fall of Roomba / iRobot & Amazon's Blocked Acquisition(35:14) Competition with Chinese Manufacturers(42:22) Collaboration Superpower: Hannah Szenes (Wiki) & Lucius Tarquinius Priscus (Wiki)

The VanEck Semiconductor ETF hits its third straight all-time high. Why the “death of crypto” was greatly exaggerated. How Google might be undercutting the robotics part of Tesla's valuation case. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.