Podcasts about fintech

Angela Strange and Gabriel Vásquez speak with Addi founder and CEO Santiago Suárez about building one of Latin America's largest financial platforms. What began as a buy now, pay later product has evolved into a broader ecosystem spanning payments, commerce, logistics, and now banking. Serving millions of consumers and tens of thousands of merchants, Addi sits at the intersection of financial services and commerce in Colombia. The conversation covers building in Latin America, lessons from scaling through multiple market cycles, the importance of technology infrastructure, and why Suárez believes financial inclusion and economic growth are deeply connected. They also discuss AI, organizational design, product strategy, and what it takes to build enduring companies outside Silicon Valley.   Resources: Follow Santiago Suárez on X: https://x.com/SantiaSua Follow Angela Strange on X: https://x.com/astrange Follow Gabriel Vásquez on X: https://x.com/GEVS94 Stay Updated:Find a16z on YouTube: YouTubeFind a16z on XFind a16z on LinkedInListen to the a16z Show on SpotifyListen to the a16z Show on Apple PodcastsFollow our host: https://twitter.com/eriktorenberg Please note that the content here is for informational purposes only; should NOT be taken as legal, business, tax, or investment advice or be used to evaluate any investment or security; and is not directed at any investors or potential investors in any a16z fund. a16z and its affiliates may maintain investments in the companies discussed. For more details please see a16z.com/disclosures. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Andreas Rotenberg is Co-founder and COO of Pulley, an AI-powered permitting platform helping developers and operators move projects through approvals faster. Before Pulley, he was part of the team at Honest Buildings through its acquisition, then served as Chief of Staff at Procore through its IPO. Pulley has supported over $15 billion in projects approved across the U.S. Live from ICSC+Proptech in Las Vegas.(0:00) - First ever ICSC+Proptech live podcast(1:47) - Why Permitting Is a Growing Bottleneck(2:41) - What's Happening During Permitting Timelines(4:13) - Jurisdictional Complexity Across the U.S.(5:08) - What CRE Teams Underestimate About Permitting(7:35) - Why Pulley(8:18) - The Origin Story(10:53) - Combining Technology with Local Expertise(14:26) - Where AI Creates Real Value in Permitting(17:36) - Trust, Hallucinations & Accuracy(19:07) - Municipalities & Public Sector Modernization(20:40) - Second & Third Order Effects of Faster Permitting(22:41) - Collaboration Superpower: Vaclav Smil

What if the way your business accepts payments is quietly hurting your cash flow?In this episode of B2B Vault, Alan Kopelman sits down with a payments expert to discuss the hidden costs of B2B payment terms, why many businesses unknowingly act as lenders to their customers, and how smarter payment strategies can improve profitability.Learn how payment automation, virtual cards, ACH, rules-based payment acceptance, and modern invoicing tools are helping businesses get paid faster, reduce processing costs, and improve working capital. Whether you're a business owner, CFO, controller, or finance professional, this conversation offers practical insights you can implement immediately.Tune in to discover how a well-defined payment policy can strengthen cash flow, reduce risk, and create a better payment experience for both buyers and suppliers.#B2BPayments #CashFlowManagement #PaymentAutomation #VirtualCards #BusinessFinance #AccountsReceivable #Fintech #B2BVault #NationwidePaymentSystems #WorkingCapital #BusinessGrowth #PaymentStrategyThanks for watching! Go ahead and like, comment, subscribe, and turn on post notifications!

In this episode, we sit down with entrepreneur, investor, and fintech innovator Joshua Summers to discuss startups, venture capital, private credit, artificial intelligence, and what founders need to know to survive today's fundraising environment. Josh is a serial entrepreneur with successful exits to PayPal and AT&T, and the co-founder of EnFi, a company modernizing credit risk assessment for the rapidly growing $2+ trillion private credit market. He is also the co-founder of TBD Angels, an angel investing community that has grown to more than 300 members and invested in over 80 startups. The conversation explores lessons learned from multiple exits, the collapse of Silicon Valley Bank, the evolution of fintech, how AI is changing startup economics, and what separates companies that survive difficult markets from those that disappear. In This Episode From Startup Founder to Multiple Successful Exits Josh reflects on his entrepreneurial journey and the major lessons learned from building and scaling companies that were ultimately acquired by PayPal and AT&T. The discussion covers: What changes after a successful exit Common founder mistakes during growth phases Building teams that scale Why culture matters more than most founders realize The Silicon Valley Bank Collapse and the Birth of EnFi During the SVB crisis, Josh worked directly with startups attempting to move funds and navigate uncertainty in real time. What he discovered exposed a major weakness in modern lending infrastructure: Opaque credit monitoring Manual underwriting processes Covenant complexity Limited real-time portfolio visibility These insights ultimately led to the creation of EnFi, which is focused on transforming risk analysis and monitoring in private credit markets. Building an Angel Investing Community As co-founder of TBD Angels, Josh shares insights into what it takes to build and sustain a successful angel investing organization. Topics include: How to start an angel group Why most angel groups fail Creating long-term engagement and trust The benefits founders gain from becoming investors themselves Building a high-quality investment community Fundraising in a Difficult Market The episode dives into the realities founders face when capital markets tighten. Josh discusses: How founders can "manufacture momentum" during fundraising The psychology of investors in difficult markets Managing down rounds and flat rounds Maintaining team morale during capital pressure The KPIs investors now consider mandatory Investment Bankers: Advisors or Expensive Middlemen? Many founders question whether investment bankers truly add value during fundraising or M&A processes. Josh offers a candid perspective on: The real role of an investment banker What bankers do behind the scenes Why process management matters How founders should evaluate potential banking partners The difference between a transactional banker and a strategic advisor The Future of Fintech The conversation explores how financial technology continues to evolve and why many businesses are increasingly becoming fintech-enabled companies. Topics include: Embedded finance Infrastructure APIs Lending technology Risk management AI-driven financial products The convergence of software and financial services AI-Enabled vs AI-First Companies One of the most important discussions in the episode focuses on the difference between: Companies adding AI features to existing products Businesses fundamentally built around AI from day one Josh explains: Why the distinction matters Which companies may have defensible advantages The risks of superficial AI positioning What investors are really looking for Key Themes Entrepreneurship • Venture Capital • Angel Investing • Private Credit • Fintech • Artificial Intelligence • Startup Fundraising • Silicon Valley Bank • Investment Banking • Company Building • Leadership • Risk Management About Joshua Summers Joshua Summers is a serial entrepreneur, fintech founder, and angel investor with successful exits to PayPal and AT&T. He is the co-founder of EnFi, a company focused on modernizing credit risk assessment and monitoring for private credit markets, and co-founder of TBD Angels, a 300+ member angel investing network that has invested in more than 80 startups. Josh is passionate about combining technical excellence with human insight to build companies that create meaningful impact. #Fintech #ArtificialIntelligence #PrivateCredit #Startups #VentureCapital #AngelInvesting #Entrepreneurship #JoshuaSummers #InvestmentBanking #Fundraising #AI #FintechInnovation Disclaimer: The views expressed in this podcast are for informational purposes only. They do not constitute financial or legal advice, nor do they necessarily reflect the views of Finalis Inc. or Finalis Securities LLC, Member FINRA/SIPC.   

Since 2023, illicit financial activity has surged by $1.3 trillion, reaching an estimated $4.4 trillion globally. The reason isn't a mystery: bad actors have AI now too.In this episode of One Vision Podcast, Theodora Lau sits down with Tyler Allen, CEO of Unit21, to unpack what's happening on the front lines of AI-powered fraud. Tyler was Unit21's founding software engineer and he is now leading the company through a moment he calls "have your cake and eat it too": AI is finally cheaper than the human labor it could replace, and unlike humans, it doesn't get alert fatigue.The conversation goes deeper on:• The fundamental asymmetry between attackers and defenders — and why AI made it worse• Why majority of AI pilots fail (hint: it's almost never the technology) • Why AI makes sense for financial crime prevention and detection • What he asks potential buyers, from ownership and goals, to risk tolerance and more • What every FI should be demanding from their AI vendorsA conversation about the new physics of fraud — and the human consequences of getting it wrong.

A $400,000 B2B card payment sounds simple until a processor flags it, the finance team cannot reconcile it, and the invoice sits open while DSO creeps up. That gap between delivering product and collecting cash is where B2B payments either become a growth engine or a constant operational headache.I sits down with Thomas Cecil, Co-Founder of PAYRA, to unpack how modern accounts receivable automation actually works when you have real scale like thousands of invoices per month and customers paying by card, ACH, wire, or check. We talk through PAYRA's approach to the invoice-to-cash cycle, why deep ERP integrations matter more than glossy dashboards, and how automated payment reconciliation into the general ledger eliminates the manual posting that blocks adoption. Thomas also explains the practical details finance teams care about, like handling surcharging and posting to multiple GL entries without breaking the books.We also zoom out to where B2B payments is headed: partnering with ISOs instead of trying to replace them, using AI agents to pull invoice metadata from legacy ERPs with limited APIs, and the growing opportunity in cross-border receivables. Thomas shares why stablecoins may reduce correspondent banking friction and why workflows and value-added services are becoming the real business model behind payments.

Au programme :Anthropic déploie son LLM interditSpaceX confirme la plus grosse entrée en bourse de l'HistoireApple vs l'UE: comprendreLe reste de l'actualitéInfos :Animé par Patrick Beja (Bluesky, Instagram, Twitter, TikTok).Co-animé par Marion Doumeingts (Instagram, Bluesky, Twitter).Co-animé par Ambroise Garel (Le Pavé Numérique)Produit par Patrick Beja (LinkedIn) et Fanny Cohen Moreau (LinkedIn).Musique libre de droit par Daniel BejaLe Rendez-vous Tech épisode 670 – SpaceX s'envole en bourse – Anthropic, Fable, Mythos, Elon Musk, SpaceX, Tesla, Siri AI, UE---Liens :

Le Carnet de Maxime Blot "Devenir un Artisan Hôtelier" pour 39€ seulement !Fruit de plusieurs années d'expérience sur le terrain, ce carnet signé Maxime Blot, Meilleur Ouvrier de France, offre un regard affûté sur les enjeux actuels du service hôtelier.1️⃣ Présentation de l'invitée :Ariane Guevara a choisi le côté de la distribution hôtelière et en a fait son parcours professionnel. Jusqu'à intégrer une fintech nouvelle génération !Ariane est une professionnelle accomplie dans le domaine de la distribution hôtelière. Diplômée de l'école hôtelière de Lausanne avec une spécialisation en marketing, elle a commencé sa carrière en sales pour une bed bank en France. Elle a ensuite rejoint Hotel Beds, où elle a joué un rôle crucial dans l'unification des équipes après une fusion majeure. Aujourd'hui, elle travaille pour Hopper, une entreprise qui se positionne comme un challenger sur le marché des OTA (Online Travel Agencies), avec une approche centrée sur l'innovation technologique et la finTech.Quelles sont les tendances actuelles et futures de la distribution hôtelière ?Quelle est la part croissante des canaux digitaux et des technologies émergentes comme l'intelligence artificielle ?Comment Hopper utilise des algorithmes de machine learning pour offrir des solutions innovantes, telles que la flexibilité des annulations et le gel des tarifs ?Comment améliorer l'expérience utilisateur, mais également une valeur ajoutée aux partenaires hôteliers ?Quels sont tes conseils pour les hôteliers qui cherchent à naviguer dans ce paysage en constante évolution ?Toutes les réponses dans notre échange !2️⃣ Notes et références :▶️ Toutes les notes et références de l'épisode sont à retrouver ici.Cet épisode est produit en partenariat avec Hopper. Un grand merci aux équipes pour leur collaboration et leur professionnalisme.3️⃣ Le partenaire de l'épisode :HotelPartner Revenue ManagementPrendre un rendez-vous avec MarjolaineDites que vous venez d'Hospitality Insiders et Marjolaine se déplace gratuitement dans votre établissement pour effectuer un diagnostic !4️⃣ Chapitrage : 00:00:00 - Introduction00:01:05 - Parcours professionnel d'Ariane Guevara00:05:26 - Présentation de la Fintech Hopper00:07:31 - Habitudes de consommation de la Génération Z00:11:30 - Flexibilité des réservations00:16:10 - Positionnement de Hopper en Europe00:21:30 - Stratégie d'acquisition clients00:29:10 - Conseils pour la distribution hôtelière en France00:35:00 - Questions signaturesSi cet épisode vous a passionné, rejoignez-moi sur :L'Hebdo d'Hospitality Insiders, pour ne rien raterL'Académie Hospitality Insiders, pour vous former aux fondamentaux de l'accueilLe E-Carnet "Devenir un Artisan Hôtelier" pour celles et ceux qui souhaitent faire de l'accueil un véritable artLinkedin, pour poursuivre la discussionInstagram, pour découvrir les coulissesLa bibliothèque des invités du podcastMerci de votre fidélité et à bientôt !Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Christian Beyler und Patrick Sieradzon erklären, wie ihr Tool Clarity KI als strukturierten Analyseprozess nutzt – um Ursachen zu erkennen, statt Symptome zu bekämpfen.

In this episode of the Food Matters Live podcast, we explore the NPD Discovery Zone at Food Matters Live in London's Olympia.It's the section of the show floor where the next generation of food ingredients and technology is being shown for the first time. Through four conversations with four companies, we try to answer one question: where will the food of the future actually come from?We learn about turning CO₂ directly into food ingredients, recovering high-protein, high-fibre ingredients from the side-stream of the brewing industry, an automated harvester that recovers broccoli stems left in the field after harvest, and we meet the people behind a food lifecycle management software that brings NPD, finance, and technical teams onto one platform from concept to launch. Food Matters Live brings together the food and drink industry's brightest minds across innovation, sustainability, health, and technology. Find out more and register for upcoming events on our website.

In this episode of the Full Circl Podcast, Myles Stephenson, CEO of Modulr, shares his unconventional journey from biochemistry to leading a high-growth FinTech company. Discover insights on transferable skills, leadership styles, and advice for young aspiring entrepreneurs navigating a volatile world.

Who should control your financial data—you or your bank? Steve Boms, Executive Director at FDATA, joins us to break down open finance, Section 1033, and the future of consumer data access. A timely discussion for fintech leaders, innovators, and investors. Plus we discuss whether agentic AI is ready to take over your portfolio and spending https://fdata.global … Continue reading Ep 286- FDATA Executive Director Steve Boms

Dans cet épisode, je reçois Dimitri Fotopoulos, partenaire chez Weinberg Capital Partners, pour une discussion autour des fonds de continuation en private equity : comment fonctionnent-ils, pourquoi sont-ils mal compris, et dans quels cas permettent-ils de prolonger la création de valeur d'un actif Leveraged Buy-Out (LBO) au-delà de la durée classique d'un fonds?Nous avons parlé :Du dilemme central du gestionnaire LBO : devoir céder un actif performant à contre-coeur uniquement parce que le fonds arrive à maturité, même quand la relation avec le management est excellente et que le potentiel de création de valeur n'est pas encore pleinement capturéDu principal préjugé sur les fonds de continuation, perçus comme un outil pour recycler des actifs qui peinent à trouver acheteur, alors que dans les faits, seuls les meilleurs actifs LBO peuvent se prêter à cet exercice sur le marché secondaireDu processus concret de mise en place d'un fonds de continuation : mandat d'une banque conseil spécialisée comme Lazard, due diligence complète avec book de valorisation, trois phases successives avec les lead investors du secondaire, les LPs existants et la syndicationDu double due diligence spécifique au marché secondaire : les investisseurs analysent autant le track record de l'équipe de gestion sur 10 à 20 ans que la qualité intrinsèque de l'actif lui-mêmeDe la structure de frais adaptée au format fonds de continuation, proche du co-investissement : environ 1% de management fees et 10% de carried interest, contre les 2% et 20% d'un fonds LBO classique diversifiéDes chiffres du marché secondaire en France : 12 milliards d'euros de transactions secondaires au total, dont 7 milliards attribués aux seuls fonds de continuation en 2025, selon le premier rapport France Invest publié sur le sujetDe la démocratisation du private equity auprès du wealth management, que Weinberg Capital Partners adresse via une équipe dédiée, avec la conviction que rendre cette classe d'actifs accessible est vertueux à condition de maintenir des garde-fous réglementaires rigoureux conformes aux exigences de l'AMFUn épisode technique mais très accessible, qui démystifie un outil encore mal compris et souvent mal jugé - et qui montre comment la contrainte structurelle d'un fonds peut devenir un levier de création de valeur supplémentaire.Recommandation de Dimitri : “Pour les succès des armes de la France" de Pierre de VilliersLiens utilesDimitri Fotopoulos: https://www.linkedin.com/in/dimitri-fotopoulos-9033583/ Weinberg Capital Partners: http://www.weinbergcapital.comFinscale est aussi disponible sur YouTube: https://www.youtube.com/@finscale.***************************Finscale est bien plus qu'un podcast. Cet épisode est produit et animé par Solenne Niedercorn, fondatrice de Finscale.

What if the way your business accepts payments is quietly hurting your cash flow?In this episode of B2B Vault, Alan Kopelman sits down with a payments expert to discuss the hidden costs of B2B payment terms, why many businesses unknowingly act as lenders to their customers, and how smarter payment strategies can improve profitability.Learn how payment automation, virtual cards, ACH, rules-based payment acceptance, and modern invoicing tools are helping businesses get paid faster, reduce processing costs, and improve working capital. Whether you're a business owner, CFO, controller, or finance professional, this conversation offers practical insights you can implement immediately.Tune in to discover how a well-defined payment policy can strengthen cash flow, reduce risk, and create a better payment experience for both buyers and suppliers.#B2BPayments #CashFlowManagement #PaymentAutomation #VirtualCards #BusinessFinance #AccountsReceivable #Fintech #B2BVault #NationwidePaymentSystems #WorkingCapital #BusinessGrowth #PaymentStrategy

The Investing Power Hour is live-streamed every Thursday on the Chit Chat Stocks Podcast YouTube channel at 5:00 PM EST. This week we discussed: (00:00) Introduction (01:47) Fintech Sell-Off: Analyzing Market Trends (13:05) Apple Worldwide Developer Conference: Key Takeaways (22:42) Wix Restructuring: Implications for Investors (29:48) Nintendo Direct: Anticipation and Concerns (35:37) High-Quality Companies Trading Below 15 Times Earnings (39:47) Listener Questions and Investment Strategies (45:05) Contrarian Investment Ideas (47:52) SpaceX and OpenAI IPO Predictions (51:59) Market Bubble Watch and Predictions (56:43) World Cup Betting Insights ***************************************************** Subscribe to Emerging Moats Research: emergingmoats.com  ********************************************************************* Chit Chat Stocks is presented by Interactive Brokers. Get professional pricing, global access, and premier technology with the best brokerage for investors today:  https://www.interactivebrokers.com/  Interactive Brokers is a member of SIPC.  ********************************************************************* Fiscal.ai is building the future of financial data. With custom charts, AI-generated research reports, and endless analytical tools, you can get up to speed on any stock around the globe. All for a reasonable price.  Use our LINK and get 15% off any premium plan: ⁠https://fiscal.ai/chitchat  ********************************************************************* Disclosure: Chit Chat Stocks hosts and guests are not financial advisors, and nothing they say on this show is formal advice or a recommendation. Learn more about your ad choices. Visit megaphone.fm/adchoices

Mike got canned three times in succession. "It gets harder and harder as you get older. I don't think I'll ever be completely over it." 

Julian Ostertag über den CFO-Software-Markt im Umbruch: 120 Deals in einem Halbjahr, KI als Destabilisator für Enterprise Software – und warum europäische Anbieter ihren regulatorischen Heimvorteil zu selten nutzen.

AI is moving from “helpful assistant” to autonomous actor, and payments leaders are about to feel the difference. I sit down with Russell Moore, Co-Founder and CEO of Amotivv, to get concrete about what breaks when generative AI and agentic AI leave the lab and touch regulated data, customer outcomes, and real money movement.We talk through why so many AI initiatives stall after a promising proof of concept: not because the model is useless, but because teams cannot control the context, prove what happened, or satisfy audit and compliance requirements at scale. Russell explains Amotivv's three-layer view: persistent AI memory you own, a governed workspace for using any model, and a verification layer (including cryptography and append-only records) that produces tamper-resistant, independently verifiable proof of what AI did, which tools it used, and what policies allowed it.We also dig into practical realities that every fintech team runs into fast: model selection and token costs, why caching and routing matter, and how platform lock-in sneaks in when your vendor effectively owns the memory. On the policy side, we discuss the pace of AI regulation, why the EU AI Act is a useful north star for building “bomb-proof” guardrails, and what it means to be able to prove both usage and non-usage of AI as expectations tighten.If you're building AI for fraud, marketing, customer support, underwriting, or agentic commerce, this is a roadmap for making it trustworthy.

Send us Fan MailIn this episode of WTR Small-Cap Spotlight, Shubha Dasgupta, CEO & Co-Founder of Pineapple Financial, joins host Tim Gerdeman, Vice Chair, Co-Founder, and CMO of Water Tower Research, along with Dr. John Roy, WTR's Senior Equity Research Analyst. The conversation explores the corporate strategy of Pineapple Financial (Nasdaq: PAPL), a Canadian fintech company that provides a cloud-based brokerage network equipping over 700 independent brokers with proprietary AI-driven tools. Since its inception a decade ago, the company has funded over $15 billion in mortgages and currently funds approximately $3 billion annually across Canada.

What does it really take to thrive as a first-time fund manager in today's challenging investment landscape, especially when you're building a venture fund from scratch while championing diversity and innovation? This episode delves into the real experiences behind the headlines, inviting listeners to consider the often unseen hurdles and triumphs that define entrepreneurial journeys. Our guest, Laurel Mintz, is the founder of Fabric VC—a new venture capital fund spun out of her extensive 17-year run as the leader of a successful marketing agency. With a background that includes corporate M&A law, entrepreneurship, and marketing, Laurel Mintz brings a unique and practical perspective to the venture capital world. Her approach blends deep sector knowledge with a commitment to supporting underrepresented founders and championing women's health, fintech, and consumer tech sectors. In this update, listeners get an inside look at the nuts and bolts of raising and deploying Fabric VC's first fund—just under $8 million, already largely deployed across 23 portfolio companies. Laurel Mintz shares candid insights on the emotional rollercoaster of fundraising, the critical importance of diversity, and the creative approaches to supporting women-led companies, such as accepting investments via donor-advised funds and retirement accounts. This episode is a must-listen for aspiring investors, founders, or anyone interested in how real change is being made within venture capital. It's raw, motivating, and packed with unfiltered advice on how to show up, take risks, and put capital to work for the next generation.   To get the latest from Laurel Mintz, you can follow her below! LinkedIn - https://www.linkedin.com/in/laurel-mintz/ https://www.fabricvc.com/ Laurel's first appearance on The Angel Next Door    Sign up for Marcia's newsletter to receive tips and the latest on Angel Investing! Website: www.marciadawood.com Learn more about the documentary Show Her the Money: www.showherthemoneymovie.com And don't forget to follow us wherever you are! Apple Podcasts: https://pod.link/1586445642.apple Spotify: https://pod.link/1586445642.spotify LinkedIn: https://www.linkedin.com/company/angel-next-door-podcast/ Instagram: https://www.instagram.com/theangelnextdoorpodcast/ TikTok: https://www.tiktok.com/@marciadawood

After more than a decade of crossing paths at conferences and following each other's work, Theodora Lau finally gets the opportunity to host Sarah Biller, Co-Founder & Member Board of Directors of Fintech Sandbox, and Bank Director and Investor of Thread Bank, on the One Vision Podcast. In this episode, Sarah talks about building innovation ecosystems beyond traditional hubs, including her work in West Virginia and the influence of leaders like Brad Smith and John Chambers. Sarah describes what she looks for in founders. It's about digging deep, listening closely, and finding solutions that truly matter. The conversation turns to AI's rapid adoption in financial services, the shift to agentic AI, risks of replacing human judgment in regulated credit decisions, and the need to prioritize understanding and human-centered outcomes over speed and efficiency. The real constraint on a better financial future isn't AI, it's data, and whoever controls access to it controls the upper hand. And the episode closes on something both Sarah and Theo keep returning to in their work: the fragility of the household balance sheet, the millions of Americans who are one flat tire away from financial distress, and the choice in front of an AI-enabled industry — to widen that gap, or close it.If AI is the most transformative technology any of us will see in our lifetimes., whose financial future are we actually building?

Javier Riaño, de IronIA Fintech, analiza las herramientas de búsqueda que tiene la compañía para que el cliente pueda seleccionar de forma correcta y acorde a su gusto con los fondos de inversión que quiere para su cartera. “Hemos hecho una sección de buscadores para que la gente no se pierda en la búsqueda de un fondo”, afirma el invitado. Esto también sirve también para que “la compra de un fondo sea tan fácil como comprarte un fondo en Amazon”. También señala que “en las categorías puedes buscar la temática o la región”. A través de esto, el cliente puede buscar “fondos de Estados Unidos, tecnología o de Europa, lo que quiera”. ¿Cómo se distinguen los fondos en las inversiones? “Te dejamos que vayas eligiendo entre las distintas clases y después en los fondos marcamos con un símbolo verde lo que son las clases limpias y cuando están en euros”, nos explica Javier Riaño. Esto, según él, sirve para que “la gente no se pierda dentro de un fondo, entre las distintas clases que tienen”. ¿Por qué hay tantas clases dentro de un mismo vehículo? El entrevistado señala que las clases pueden depender de las divisas que tenga el fondo y luego están las clases sucias y las limpias. ¿Qué diferencias hay entre las clases limpias y las clases sucias? “Las sucias son más caras porque incorporan una comisión que Fidelity paga a los comercializadores”, nos explica el invitado. También dice que “las limpias, que son las clases en las que no existe esa comisión”. Sobre ellas, nos asegura que “lo difícil es encontrar comercializadores que puedan acceder a esas clases limpias” y que esto es “el emblema que tienen en IronIA, el dar acceso a las clases limpias que pueden suponer un ahorro del 1% entre unos fondos y otros”.

Download Porter Here: https://app.adjust.com/21bhdnwtGuest Suggestion Form: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://forms.gle/bnaeY3FpoFU9ZjA47⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Disclaimer: This video is intended solely for educational purposes and opinions shared by the guest are his personal views. We do not intent to defame or harm any person/ brand/ product/ country/ profession mentioned in the video. Our goal is to provide information to help audience make informed choices. The media used in this video are solely for informational purposes and belongs to their respective owners.(00:00) - Intro(02:55) - Why Are Only the Rich Getting Richer in India?(08:51) - Middle-Class Indians' Salary Range(13:27) - Should We Replace Humans Because of AI?(18:30) - India: 6th Largest Economy but Still Poor(25:33) - What Is an RCT?(29:37) - What Is Economics?(32:14) - Understanding the Indian Economy Using a Pressure Cooker(39:56) - How Are Guava, Anemia & Economics Related?(43:35) - What Is the Poverty Trap Curve?(50:43) - Why Does He Think Giving Freebies to Poor People Is Good?(59:19) - Why Don't Many Rich People Give to Charity?(1:02:15) - Why Do People Say Freebie Politics Is Ruining the Country?(1:07:57) - Why Does He Think Tax Havens Should Be Banned?(1:17:37) - Is a Closed Economy Good for Growth?(1:19:27) - Why Is India Poorer Than Japan Despite Almost the Same GDP?(1:22:56) - Why Did He Write the Paper "Marry for What"?(1:25:48) - Is Universal Basic Income the Future?(1:29:09) - Why Is There Inequality Even in Jails?(1:30:59) - Why Doesn't He Take GDP Seriously?(1:34:39) - BTS(1:35:23) - OutroIn today's episode, we sit down with Abhijit Banerjee, Nobel Laureate & Author, Economist & Co-Founder - JPAL to break down everything Indians get wrong about poverty, inequality, and the future of work.He also explains his Kenya experiment where a 2-year lumpsum beat 12 years of monthly transfers, the 17-year West Bengal study that showed one free cow made women 40% richer, the 140-study metaanalysis proving freebies make people work MORE not less, and why even a Nobel Laureate calls his own success "mostly luck."A complete masterclass on how the economy actually works from the man who built the world's most rigorous method for studying it.Subscribe for more such conversations.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠About Raj ShamaniRaj Shamani is an Entrepreneur at heart that explains his expertise in Business Content Creation & Public Speaking. He has delivered 200+ speeches in 26+ countries. Besides that, Raj is also an Angel Investor interested in crazy minds who are creating a sensation in the Fintech, FMCG, & passion economy space.To Know More,Follow Raj Shamani On ⤵︎Instagram @RajShamani ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/rajshamani/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter @RajShamani ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/rajshamani⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook @ShamaniRaj ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/shamaniraj⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn - Raj Shamani ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/rajshamani/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠About Figuring OutFiguring Out Podcast is a Candid Conversations University where Raj Shamani brings raw conversations with the Top 1% in India.

What happens when borrowers stop Googling you and start asking AI who they should trust?In this heartfelt episode of The Fintech Hunting Podcast, Michael Hammond welcomes back industry thought leader, recruiting expert, media partner, taco aficionado, and dear friend Dalila Ramos for a real conversation about the future of visibility, trust, AI, and human connection in mortgage and financial services.Fresh off the Insellerate Experience Summit, Michael and Dalila unpack one of the biggest shifts facing the industry today: buyers, borrowers, lenders, and referral partners are no longer just searching for links. They are asking AI for answers. And if your brand, your expertise, or your company does not show up in those answers, you may become invisible before the conversation ever starts.But this episode is not just about AI.It is about the people behind the posts.The trust behind the transaction.The laughter, faith, friendships, tacos, car rides, conference moments, and real-life connections that technology can support — but never replace.Michael and Dalila explore:How AI search is changing borrower behaviorWhy GEO and AEO matter for loan officers, lenders, and mortgage technology companiesWhy “AI slop” is damaging trust and making brands sound the sameHow to use AI as a tool without losing your voiceWhy video, authenticity, and consistency are now trust signalsHow real relationships are built in the small, unpolished momentsWhy the winners will combine AI-powered visibility with genuine human connectionDalila shares a powerful reminder that the best content often comes from simply showing up as yourself — candid, consistent, imperfect, and human. Michael reinforces why the future belongs to those who can answer real questions clearly, build authority intentionally, and still care deeply about the people they serve.This is a conversation for every loan officer, mortgage executive, fintech founder, recruiter, marketer, and industry leader asking:How do I stay visible in an AI-driven world without losing what makes me human?Watch now and rethink what it really means to be found, trusted, and remembered.###Michael Hammond, Founder & CEO of NexLevel Advisors, is the leading fractional CMO in mortgage and mortgage technology, specializing in AI-powered growth strategy and audience development.

What does it actually take to build a fintech company in Nigeria for five years with almost no visibility, no big splash, and no shortcut — and still come out standing?Babatunde Akin-Moses had a plan. Work for ten years, save money, then start a business. He did not want to be Bill Gates, he knew he was not from that kind of family. He looked at the Nigerian entrepreneurs he admired and every single one of them had worked first. So that was the plan: Shell for NYSC because the pay was good, then KPMG and PWC to learn the kind of rigor that makes you review a document and send it back because the margin was 1.5 when it should have been 1.6. That kind of rigor.But plans move. By the time he had the idea — a credit business for the growing businesses stuck in the middle, too big for microfinance and too small for the banks to care — he had been through enough to know that the business was not just an opportunity. It was a problem he had lived. He tried to start a digital laundry company in 2013 and could not get a business loan. As an employee, the salary loan was easy. As a business owner, the bank was not interested. That gap never left him.Sycamore started as a peer-to-peer lending platform, built because they had no capital and needed to be the middle, not the lender. For two years before their first VC round, they ran on angels, friends, and family. They were closing transactions on Google Forms. And Babatunde, sitting across from a potential investor, was asked if they were raising a SAFE and had to quietly ask what a SAFE was.In this episode he goes deep on all of it, the five years of building without noise while watching louder fintech companies make headlines and then quietly disappear, the regulatory crisis where someone impersonated Sycamore and got them removed from an approved lenders list, the co-founder he nearly lost and the personal sacrifice he almost made to save the business that he has never spoken about publicly until now.He talks about the milestone nobody knows about: building their own internal financial infrastructure before they could even launch the mobile app, in a shoestring budget, in weeks. He talks about being the first digital lender formally approved in Nigeria in 2022. He talks about coming first out of 7,000 competitors at the NSIA Prize for Innovation, which sent him to Silicon Valley for six weeks and landed him on the front page of Punch. He talks about the private note that was oversubscribed, and the Cascador win that brought ₦1.5 billion and a level of public attention he still cannot fully explain.But more than the milestones, this conversation is about the philosophy underneath all of it. How he built trust in fintech — an industry where trust is the whole product — by personalizing the brand, keeping every single promise, and staying long enough for customers who were doing ₦100k transactions to grow into customers doing ₦5 million. How he thinks about servant leadership, about not being able to overcommunicate, about the tension between rewarding exceptional performance and maintaining team cohesion. How he almost never applies for grants or competitions and still keeps winning them.And what he is actually building toward: not small business support, but a platform for growing businesses — the ones with 100 employees who need debt to become the ones with 1,000. The ones who will become the Interswitches and Dangotes of tomorrow if someone will just give them the credit line they need. And eventually, a financial services product that works for Africans wherever they are in the world.

Il s'agit de l'extrait de l'épisode diffusé ce dimanche où je m'entretiens avec Dimitri Fotopoulos(Weinberg Capital Partners)Finscale est aussi disponible sur YouTube: https://www.youtube.com/@finscale.***************************Finscale est bien plus qu'un podcast. Cet épisode est produit et animé par Solenne Niedercorn, fondatrice de Finscale.

In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Cassie Craddock, Managing Director for UK and Europe at Ripple, to explore the work Ripple is doing to transform cross-border payments through blockchain technology and stablecoins and learn more about the company's expansion plans. Paul and Cassie discuss how Ripple's recent EMI licences in the UK and Luxembourg are positioning the company for significant growth across European markets, and what these regulatory milestones mean for clients and partnerships in the region. The conversation also covers the growing role of stablecoins in cross-border transactions, examining the advantages they offer over traditional methods, and how Ripple's USD stablecoin fits into the company's broader vision. And finally, we find out what fintech buzzword Cassie wants to throw into our Fintech Jail! ----------------------------------------------------------------------- ABOUT FINTECH FUTURES FinTech Futures is the #1 provider of global fintech news and intelligence. With a mission to empower the financial technology community, we bring you the latest updates and thought leadership from across the industry. From startups to established players, we cover the entire fintech ecosystem. Stay Connected with FinTech Futures: Visit our website: www.fintechfutures.com Follow us on LinkedIn: www.linkedin.com/company/fintechfutures/ Sign up to our newsletter: www.fintechfutures.com/newsletter Subscribe to our channel: www.youtube.com/@FinTechFutures

David Zhou, co-founder of The Side Letter and host of Superclusters, shares lessons from his journey as a founder, venture investor, LP, and educator. He explains how sophisticated limited partners evaluate venture funds, why consistent decision-making frameworks matter, and how emerging managers can stand out in an increasingly crowded market. David discusses common mistakes new LPs make, the metrics that matter when evaluating venture performance, and why successful investors develop discipline around both entering and exiting investments. He also shares practical advice for fund managers seeking LP support, emphasizing the importance of understanding investor motivations before ever making a pitch. In this episode, you'll learn: [02:35] How David accidentally became an entrepreneur and investor [03:42] Why venture capital appeals to people who love imagining the future [06:52] The story behind Superclusters and educating emerging LPs [11:21] Common mistakes first-time LPs make when evaluating funds [15:25] Why investors need consistent frameworks instead of chasing excitement [23:04] Which venture fund metrics actually matter and when [30:24] The three disciplines every great fund manager needs [32:25] Why the first LP meeting should never be a pitch [35:22] How to identify and build a unique competitive advantage [39:57] Understanding the motivations behind different types of LPs [44:03] How The Side Letter helps LPs make better investment decisions The nonprofit organization David is passionate about: Friends of Children with Special Needs About David Zhou David Zhou is the co-founder of The Side Letter, a platform that helps limited partners source, evaluate, and understand venture capital funds. He is also the host of Superclusters, a podcast focused on helping emerging LPs learn from experienced investors and better navigate the venture capital ecosystem. Before becoming an LP and venture ecosystem educator, David was a founder and venture investor. Through his writing, investing, and podcasting, he has become a respected voice on venture fund evaluation, LP decision-making, and emerging manager investing. About The Side Letter The Side Letter is a platform built to help limited partners make more informed venture capital investment decisions. The company provides LPs with tools, research, data, and educational resources designed to improve fund sourcing, diligence, and portfolio construction. By helping investors access better information and stronger evaluation frameworks, The Side Letter aims to reduce information asymmetry within the venture capital ecosystem and empower a new generation of sophisticated LPs. Subscribe to our podcast and stay tuned for our next episode.

Payments don't fail because teams lack ambition, they fail because the infrastructure can't keep up with what customers expect. We sit down with Mike Milotich, CEO of Marqeta, to unpack how modern issuer processing is changing card issuing from a rigid bank product into configurable, real-time payments infrastructure built for innovation.We trace Mike's 20-year journey across American Express, PayPal, Visa, and now Marqeta, and use that ecosystem view to explain what actually makes a card program work: issuer economics, consumer behavior, local market nuance, and the ability to iterate fast. Along the way, we break down what Marqeta does as an API-first, cloud-based issuer processor operating at global scale and high reliability, and why “building blocks” beat one-size-fits-all platforms when you're trying to launch, learn, and adjust.Then we look ahead at the biggest growth opportunities in card issuing and embedded finance: multinational issuing on a single stack, flexible credentials that can behave like debit, credit, and BNPL, and a broader product continuum that meets customers where they are in their financial journey. We also dig into personalization of rewards, AI-driven experiences, risk and fraud tooling, stablecoin-backed cards for faster cross-border movement, and the early shape of agentic commerce.If you care about the future of payments, card issuing, and customer engagement, this episode is for you.

Au programme :WWDC – Siri AI: Apple rattrape son retard?…Build, par les devs pour les devsLe reste de l'actualitéInfos :Animé par Patrick Beja (Bluesky, Instagram, Twitter, TikTok).Co-animé par Cédric Ingrand (Twitter et Bluesky).Co-animé par Stéphane Le Boisselier (Instagram, Bluesky).Produit par Patrick Beja (LinkedIn) et Fanny Cohen Moreau (LinkedIn).Musique libre de droit par Daniel BejaLe Rendez-vous Tech épisode 669 – WWDC: service minimum chez Apple – Apple Intelligence, Siri AI, iOS27, Microsoft Build, Anthropic, OpenAI---Liens :

Download Porter Here: ⁠https://app.adjust.com/21zkudwbGuest Suggestion Form: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://forms.gle/bnaeY3FpoFU9ZjA47⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Disclaimer: This video is intended solely for educational purposes and opinions shared by the guest are his personal views. We do not intent to defame or harm any person/ brand/ product/ country/ profession mentioned in the video. Our goal is to provide information to help audience make informed choices. The media used in this video are solely for informational purposes and belongs to their respective owners.(00:00) - Intro(02:45) - Why Does He Call IAS the Steel Cage of India?(07:38) - Where Does Corruption Start?(18:53) - Fake Document Submission in UPSC(21:04) - 3 Basic Ways People Get Into Corruption(27:34) - Where Do People Keep Their Corruption Money?(31:23) - Is There a Point of No Return From Corruption?(38:00) - Why Are Indians Scared of the Police?(40:51) - How Does the System Break an Honest Person?(42:30) - Why Can't Someone Fire an IPS Officer?(48:44) - How Much Scheme Money Actually Reaches People?(58:12) - What Do People Do With Corruption Money?(1:00:09) - Will Giving Bureaucrats Higher Salaries Solve This Issue?(1:03:35) - Why Is Nobody Stopping Corruption?(1:06:22) - AI Is the Change the System Needs(1:11:51) - A President/Prime Minister He Really Likes(1:14:58) - Why Is India the Most Difficult Country to Rule?(1:16:49) - Is China a Free Market?(1:20:50) - How Will Trump's Recent Visit to China Impact India?(1:28:58) - Why Didn't the Chinese President Meet American Entrepreneurs During Their Visit?(1:30:43) - Is India's Friendship With European Nations Good for Us?(1:32:38) - BTS(1:33:14) - OutroIn today's episode, we sit down with Amit Kilhor, UPSC Teacher & Content Creator, to understand the reality of India's bureaucracy and the system behind it.The conversation also covers major IAS-related controversies, how corruption networks operate, where illicit money typically flows, and why senior officers often become difficult to challenge. Subscribe for more such conversations.Follow Amit Kilhor Here:Instagram: https://www.instagram.com/amitkilhor/Linkedin: https://www.linkedin.com/in/amitkilhor/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠About Raj ShamaniRaj Shamani is an Entrepreneur at heart that explains his expertise in Business Content Creation & Public Speaking. He has delivered 200+ speeches in 26+ countries. Besides that, Raj is also an Angel Investor interested in crazy minds who are creating a sensation in the Fintech, FMCG, & passion economy space.To Know More,Follow Raj Shamani On ⤵︎Instagram @RajShamani ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/rajshamani/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter @RajShamani ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/rajshamani⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook @ShamaniRaj ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/shamaniraj⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn - Raj Shamani ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/rajshamani/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠About Figuring OutFiguring Out Podcast is a Candid Conversations University where Raj Shamani brings raw conversations with the Top 1% in India.

After more than a decade of crossing paths at conferences and following each other's work, Theodora Lau finally gets the opportunity to host Sarah Biller, Co-Founder & Member Board of Directors of Fintech Sandbox, and Bank Director and Investor of Thread Bank, on the One Vision Podcast. In this episode, Sarah talks about building innovation ecosystems beyond traditional hubs, including her work in West Virginia and the influence of leaders like Brad Smith and John Chambers. Sarah describes what she looks for in founders. It's about digging deep, listening closely, and finding solutions that truly matter. The conversation turns to AI's rapid adoption in financial services, the shift to agentic AI, risks of replacing human judgment in regulated credit decisions, and the need to prioritize understanding and human-centered outcomes over speed and efficiency. The real constraint on a better financial future isn't AI, it's data, and whoever controls access to it controls the upper hand. And the episode closes on something both Sarah and Theo keep returning to in their work: the fragility of the household balance sheet, the millions of Americans who are one flat tire away from financial distress, and the choice in front of an AI-enabled industry — to widen that gap, or close it.If AI is the most transformative technology any of us will see in our lifetimes., whose financial future are we actually building?

EPISODE DESCRIPTION I sat down with Lux, Chief Commercial Officer at OpenPayd, and this conversation genuinely surprised me. Lux started out as an FX trader at JP Morgan , the guy who once typed 'Bitcoin is a Ponzi scheme' into a Bloomberg chat , and now he's helping build one of the most quietly impressive fintech infrastructure companies out there. We got into how OpenPayd has grown to over 1,200 institutional clients, processed over $200 billion in volume annually, stayed cash flow positive for five years, and never taken a single round of funding. We talked about why financial institutions are now OpenPayd's fastest growing vertical, what the stablecoin sandwich actually means for cross-border payments, and whether crypto is really dead or just maturing. Lux also shared his contrarian take on why the era of 150% Ethereum weeks is probably behind us , and why that's actually a good sign. If you're in fintech, payments, or crypto infrastructure, this one is worth your time. DISCLAIMERNothing mentioned in this podcast is investment advice and please do your own research. It would mean a lot if you can leave a review of this podcast on Apple Podcasts or Spotify and share this podcast with a friend. Be a guest on the podcast or contact us - https://www.web3pod.xyz/ CONNECT OpenPayd Website: https://www.openpayd.com/OpenPayd LinkedIn: https://www.linkedin.com/company/openpayd/Web3 with Sam Kamani: https://www.web3pod.xyz/ KEY POINTS WITH TIMESTAMPS • [00:06] Sam introduces Lux from OpenPayd , a bootstrapped fintech with 200+ employees and $200B+ annual volume• [01:30] Lux's origin story: FX trader at JP Morgan who called Bitcoin a Ponzi scheme in 2009, then missed it, then got into Ethereum• [03:20] How joining a payments firm opened Lux's eyes to the real problem crypto companies face with banking access• [05:09] The divergence between crypto and stablecoins , and why stablecoin market cap is no longer correlated to Bitcoin price• [06:06] What OpenPayd is built on: providing financial infrastructure to underserved industries and incorporating blockchain into payments rails• [09:35] The Innovator's Dilemma in banking , why incumbents like HSBC still charge 1.7% on FX when the actual spread is near zero• [11:00] How Revolut and Nubank disrupted banking without reinventing the wheel , and what that means for crypto adoption by banks• [13:18] How OpenPayd differentiates: speed, product, tech, licensing, and becoming a one-stop-shop across fiat and blockchain rails• [18:03] The biggest trend at OpenPayd: financial institutions have become the number one vertical in under 15 months, driven by stablecoin adoption• [20:50] Running a bootstrapped company: the nice headache of keeping up with growth while staying compliant across 1,300+ institutional clients• [22:19] Lux's contrarian take: crypto isn't dead , the market has just matured because institutional money behaves differently than retail• [27:19] Why AI investment and geopolitical uncertainty have pulled capital away from crypto , and why that rotation will eventually reverse• [31:05] Lux's biggest challenge as CCO: reducing churn, staying relevant, and keeping one eye on short-term revenue and one on scalable growth• [32:49] OpenPayd's 2-3 year roadmap: US expansion later this year, then Latam and Asia , building both sides of the stablecoin sandwich• [34:41] On fundraising: profitable for five years, no need to raise, but never ruling it out

Diego e Piero fundaram o Asaas, em Joinville, após identificarem uma dor simples: pequenas empresas não conseguiam cobrar clientes de forma fácil. O que começou como um software quase fracassado virou uma das fintechs que mais crescem no Brasil, com operação 100% remota, lucro bilionário e investidores como SoftBank. Em entrevista para Mariana Amaro, em mais um episódio Do Zero ao Topo, Diego Contezini, cofundador do Asaas, conta como a empresa pivotou, enfrentou quase uma década difícil e construiu uma cultura diferente no mercado tech brasileiro.

O programa Meio-Dia em Brasília desta segunda-feira, 8 de junho, fala sobre a disputa de paternidade do sistema instantâneo de pagamentos o PIX desencadeada após o ex-deputado federal Eduardo Bolsonaro (PL) ter sugerido negociar a plataforma com o governo dos Estados Unidos.Além disso, o jornal também fala sobre o possível veto da carne brasileira pela União Europeia e sobre a decisão do presidente do Supremo Tribunal Federal (STF), Edson Fachin, que determinou uma inspeção em todos os penduricalhos de magistrados país afora.Meio-Dia em Brasília traz as principais notícias e análises da política nacional direto   de Brasília.     Com apresentação de José Inácio Pilar e Wilson Lima, o programa aborda os temas mais quentes do cenário político e econômico do Brasil.     Com um olhar atento sobre política, notícias e economia, mantém o público bem informado.    Transmissão ao vivo de segunda a sexta-feira às 12h no nosso canal do Youtube.  https://www.youtube.com/@OAntagonista  Apoie o jornalismo independente. Assine O Antagonista e Crusoé com 10% via Pix ou Google Pay:  https://assine.oantagonista.com.br/   Siga O Antagonista no X:  https://x.com/o_antagonista   Acompanhe O Antagonista no canal do WhatsApp. Boletins diários, conteúdos exclusivos em vídeo e muito mais.  https://whatsapp.com/channel/0029Va2SurQHLHQbI5yJN344  Leia mais em www.oantagonista.com.br | www.crusoe.com.br #QuemÉOPaiDoPix #CriadorDoPix #HistóriaDoPix #BancoCentral #PixBrasil #Finanças #Tecnologia #PodcastBrasil #Curiosidades #Inovação #Bacen #Dinheiro #SistemaPix #Fintech #Economia #Fatos #Pix #Podcasts #Mistério #Sucesso

Drop us a message!Fintech is one of the toughest industries to stand out in; regulated, competitive, and constantly innovating. In this episode, Luke McGrath, Head of Marketing at True Potential, joins us to break down what it really takes to build a brand that doesn't just blend into the noise.We also speak to Catherine, exploring why attention spans aren't as short as marketers think, and how to determine the ideal video length for social platforms in 2025.Want to be featured on the pod? Drop us a voice note on Instagram at @GiraffeSM.About Giraffe Social's Social in 10 PodcastGiraffe Social is a multi-disciplined digital marketing agency specialising in social media marketing based on the South Coast of the United Kingdom. We work with a wide range of industries, spanning from Fintech and L&D, to Beauty and Retail.Social in 10 is a weekly podcast about all things digital marketing. We discuss all the things social media managers want to know, including the latest platform updates, emerging trends, campaign ideas, and best practices to help you stay ahead of the curve. Whether you're managing multiple clients or growing your brand in-house, each episode is packed with actionable insights… all delivered in under ten minutes.Hosted by the Giraffe Social team, this is your fast, fun, no-fluff guide to making sense of social. New episodes every week, so tune in and level up your marketing game!

Deutsche Welle's Lars Bevanger traveled to northern Finland and reports on the country's booming gaming industry. The post A different kind of ‘Fintech' appeared first on The World from PRX.

In this episode of B2B Vault, Alan Kopelman sits down with Adam Spector, a four-time founder, investor in 200+ companies, and founder of HireChore.com.Discover why payroll, HR, compliance, bookkeeping, and other back-office tasks are silently slowing down business growth. Adam explains how outsourcing and AI are transforming entrepreneurship, helping founders reclaim their time, reduce risk, and focus on what truly drives revenue.If you're a startup founder, small business owner, or entrepreneur looking to scale smarter, this episode is packed with actionable insights.#Entrepreneurship #SmallBusiness #StartupGrowth #Outsourcing #AI #BusinessOwner #Leadership #B2BVault

The Investing Power Hour is live-streamed every Thursday on the Chit Chat Stocks Podcast YouTube channel at 5:00 PM EST. This week we discussed: (00:00) Introduction (03:22) Google's $85 Billion Equity Raise (09:11) Comparing Meta and Google: Future Prospects (12:15) Home Builders: Berkshire's Acquisition of Taylor Morrison (15:11) Trouble in FinTech Paradise: MasterCard and Visa (18:58) Celsius Stock (21:43) Wise Group and Regulatory Investigations (36:55) The Impact of AI on Financial Data Companies (40:25) Evaluating Ratings Agencies and Their Future (42:29) Concerns Over Index Fund Integrity (44:39) SpaceX's AI Revenue Projections and Market Reactions (47:29) Analyzing BlackRock Coffee Bar's Market Position (51:05) Lululemon's Growth Challenges and Market Dynamics (54:59) Victoria's Secret's Brand Revival vs. Lululemon's Struggles (58:55) Diageo's Turnaround Potential in a Tough Market ***************************************************** Subscribe to Emerging Moats Research: emergingmoats.com  ********************************************************************* Chit Chat Stocks is presented by Interactive Brokers. Get professional pricing, global access, and premier technology with the best brokerage for investors today:  https://www.interactivebrokers.com/  Interactive Brokers is a member of SIPC.  ********************************************************************* Fiscal.ai is building the future of financial data. With custom charts, AI-generated research reports, and endless analytical tools, you can get up to speed on any stock around the globe. All for a reasonable price.  Use our LINK and get 15% off any premium plan: ⁠https://fiscal.ai/chitchat  ********************************************************************* Disclosure: Chit Chat Stocks hosts and guests are not financial advisors, and nothing they say on this show is formal advice or a recommendation. Learn more about your ad choices. Visit megaphone.fm/adchoices

Payments are speeding up everywhere, but the real story is what that speed breaks and what it demands from the people running the rails. I'm joined by Jennifer Barker, Global Head of Payments and Trade and Depositary Receipts at BNY, for a clear-eyed conversation about what's changing in the payments industry and what leaders should do next when complexity keeps piling up. From her journey through consulting and nearly two decades in payments to leading multiple global roles at BNY, Jennifer brings a practical view of how money actually moves at scale. We unpack the biggest pressures she hears from clients right now: navigating countless payment systems worldwide, balancing faster settlement with fraud controls, and fixing the friction that still plagues cross-border payments. Jennifer explains why interoperability matters so much and why clients don't want another new network to manage. They want outcomes: get it there fastest, safest, and most economically, with the right data attached. That data angle shows up again when we talk about ISO 20022 and why richer payment information can be just as valuable as the payment itself. We also dig into the always-on future and why 24/7/365 is more than a technology upgrade. It's an operating model challenge, with staffing, treasury workflows, and decisioning that must work nonstop. Finally, we zoom out on trends like AI in payments for anomaly detection and smart routing, and we tackle the stablecoin question with a grounded take on what really matters in cross-border: transparency, predictability, and reliability. 

This week on Inside Startup Investing, Chris Lustrino sits down with Rebecca Kacaba, co-founder and CEO of DealMaker, one of the leading platforms powering retail capital raises for private companies. Rebecca discusses the growing influence of retail investors across private markets and IPOs, why companies like SpaceX, Reddit, Gemini, and others are increasingly allocating shares to retail participants, and how community ownership is becoming a strategic advantage for modern brands. The conversation explores DealMaker's unique approach to capital formation, helping companies build and own their own investor communities rather than relying solely on marketplace traffic. Chris and Rebecca also discuss repeat issuers, investor engagement, liquidity opportunities, sports ownership, regulatory developments, and the long-term future of retail investing. If you want to understand where private markets, equity crowdfunding, and retail ownership are heading over the next decade, this is a must-listen episode. Highlights include...  

Un grand merci à Loop Capital, la référence mondiale de l'Infinite Banking Concept, de soutenir ce podcast. Découvrez comment reprendre le contrôle absolu de votre capital et bâtir votre souveraineté financière sur : https://loop-capital.co/Idriss Martial Monthe a fondé CinetPay — l'un des premiers agrégateurs de paiement d'Afrique francophone. 80 employés. 10 pays. 8 ans. Exit en septembre 2024.Pas pour souffler. Pour recommencer.Aujourd'hui il co-fonde Jèko : une application de paiement dédiée aux commerçants du secteur informel africain — ce secteur qui représente 80% de l'économie du continent et que les banques ne savent toujours pas servir.Sa conviction : la banque connaît l'argent de son client. Pas son client. Jèko veut changer ça.Dans cet épisode de Débrouillard :→ La mécanique d'un exit réussi — les 3 scénarios, la clause de non-concurrence, le jour J→ Pourquoi il a vendu 100% de ses parts et recommencé en moins d'un an→ Jèko : l'origine du nom, le produit, les 750 000$ de Ring Capital, +30%/mois→ Le secteur informel africain : les 2 vraies barrières et la stratégie pyramide→ L'IA dans les équipes tech africaines — ce qui se passe vraiment sur le terrain→ Wave, Flutterwave : menace ou validation du marché ?→ Comment anticiper son exit dès le jour 1▬▬▬▬▬▬▬▬▬

In this episode, we sit down with investor and writer Ilona Limonta-Volkova to explore the intersection of VC, storytelling, and innovation in FinTech. Ilona shares her perspective on identifying emerging trends, backing founders, and translating complex financial ideas into compelling narratives. We also dive into her journey across markets and what it takes to think like both an investor and a communicator in a rapidly evolving industry. If you enjoy this episode you can hear more from Ilona on her platforms https://bearandthebull.beehiiv.com/ and https://podcasts.apple.com/us/podcast/money-memories/id1522819765.

Can great culture be a competitive advantage? Rob Calvert, founder of Second Son Consulting, shares why strong company culture remains essential and the keys to keeping your operations efficient and secure. Plus Pope Leo XIV provides tech support on the impact of AI on jobs and society this week on the Fintech Newscast https://secondsonconsulting.com Click … Continue reading Ep 285- Second Son Founder Rob Calvert

How did Lithuania transform itself into one of Europe's fastest-rising investment and innovation hubs? In this episode of Develop This!, Dennis Fraise speaks with Rūta Kriščiūnaitė from Invest Lithuania to explore the country's remarkable economic evolution and growing global influence. From FinTech and global business services to defense and data centers, Lithuania has positioned itself as a competitive destination for high-value investment. Ruta explains how the country's strategic location, modern infrastructure, and business-friendly environment continue to attract international companies and talent. A major focus of the conversation is workforce development. Lithuania's emphasis on upskilling, talent attraction, and strong collaboration between government, education, and industry has helped fuel growth across emerging sectors. The discussion also dives into Lithuania's rise as a FinTech powerhouse, supported by forward-thinking regulation and licensing frameworks that helped the country become one of the EU's leading FinTech ecosystems. Energy independence and renewable energy investments are also reshaping the country's long-term strategy, while defense manufacturing and innovation are emerging as major priorities in response to shifting geopolitical realities. A key takeaway? Lithuania's success comes from its willingness to evolve, test new industries, and invest strategically in future growth sectors. Key Takeaways Lithuania has become a major hub for FinTech, business services, and innovation Workforce upskilling and talent attraction are central to growth strategy Strategic regulation helped accelerate FinTech development Renewable energy and energy independence are key priorities Defense is becoming an increasingly important strategic industry Long-term growth depends on continuously testing and developing new sectors Key Topics Covered Lithuania's geographic and infrastructure advantages The role of Invest Lithuania in economic development Workforce development and talent strategies FinTech growth and regulatory innovation Renewable energy and energy independence Defense industry investments and future sectors Sound Bites "Defense is the new strategic industry for Lithuania." "Lithuania signed a deal to purchase 44 Leopard tanks." "Testing new industries is crucial for future growth."

What's up, fraud fighters, and welcome back to Fraud Forward!This conversation is one I think a lot of us need right now.Financial services are moving fast. Fintech innovations, AI in financial services, real-time payments, embedded finance, digital assets, and payment systems modernization are all changing how institutions serve members and customers.And let me just assure you, fraud fighters are not anti-innovation.We are not the department of no. We are the people who know what happens when fintech innovation moves faster than controls, when fintech compliance is treated like a checklist, and when fraud risk management gets discussed only after something has already gone wrong.In this episode, I sit down with Nyla Cortes to talk through what fintech innovations really mean for credit unions, community banks, fraud teams, BSA officers, compliance leaders, and frontline staff trying to protect people in real time.Because behind every fraud case is a customer. A member. A family. Someone whose trust, dignity, and financial stability may be permanently affected.That is why this conversation matters.What you'll hear in this episode:A practical look at how fintech innovations are changing fraud risk inside financial institutionsWhy modernization creates opportunity, but also expands the attack surfaceWhat AI governance in financial services needs to look like before something goes wrongHow AI in financial services can support fraud prevention strategies when governance is built inWhy real-time payments require real-time fraud operationsHow fintech partnerships and third-party risk management can introduce hidden exposureWhy fintech risk management has to include fraud, compliance, BSA, AML, operations, and frontline teamsWhat community bank fintech adoption looks like when resources are already stretchedWhy operational readiness matters before losses show up on a reportHow we can support fintech fraud prevention without forgetting the people impacted by crimeThis is not a political conversation. It is not a vendor pitch. It is a practical, honest conversation about what it takes to modernize responsibly.Who should listen:This episode is for the fraud fighters doing the work every day.Fraud directors and fraud analystsBSA and AML officersRisk and compliance leadersCommunity bank and credit union teamsFrontline tellers and member service representativesVendor risk and fintech partnership teamsCybersecurity and payments professionalsRegulators and policy advisorsAnyone trying to balance fintech innovation, fraud prevention strategies, consumer protection, and operational realityIf you are sitting inside a smaller institution thinking, “Holy moly, we are being asked to move faster, but we do not have the same resources as the big banks,” I want you to hear me.You are not behind because you are doing something wrong. You are operating in an environment where fintech innovations are accelerating faster than the resources available to manage the risk.And that means we have to get very intentional.Show Notes:https://www.whitehouse.gov/presidential-actions/2026/05/integrating-financial-technology-innovation-into-regulatory-frameworks/https://www.whitehouse.gov/fact-sheets/2026/05/fact-sheet-president-donald-j-trump-integrates-financial-technology-innovation-into-regulatory-frameworks/https://www.sardine.ai/whitepapers/the-agentic-ai-oversight-framework

Send us Fan MailMeet RachelRachel Pierre is the Founder and CEO of Parlez! based in Austin, Texas. A native French speaker from Haiti, she spent over fifteen years in computer engineering and program management within FinTech before building a private executive French fluency intensive designed for leaders operating in high-stakes francophone environments.connect with me on LinkedIn: https://www.linkedin.com/in/rachelpierre/ or IG: @rachelsfrenchmethodParlez! | https://parlezmethod.com/ | parlez@parlezmethod.com | 9178921903Sign up for one of our negotiation courses at ShikinaNegotiationAcademy.comThanks for listening to Negotiation with Alice! Please subscribe and connect with us on LinkedIn and Instagram!

Paper checks are the easiest payment method to hate and one of the hardest to remove. They are slow, expensive, fraud-prone, and deeply baked into legacy workflows. Greg Myers sits down with Steven Faust, CEO of Dash Solutions, to unpack what it really takes to modernize business payouts and why disbursements have become one of the biggest growth engines in the payments industry.We dig into how Dash builds configurable payments software that supports multiple use cases through a single platform, from wage payments and rewards to B2B expense management and large-scale disbursements like refunds, reimbursements, and royalties. Steven explains why distribution matters as much as product, including how banks and software platforms use embedded payments and API-based connectivity to turn on modern payout capabilities faster for their customers.The conversation goes deep on “payee experience” as a competitive advantage: clear communication, faster delivery, stronger security, and real choice in how recipients receive and use funds. We also explore where AI fits, not as a buzzword, but as a practical way to monitor activation steps, identify friction, and recommend improvements that lift engagement and KPIs across the payout journey.If you lead payments, product, or ops, you will leave with a sharper view of the disbursements opportunity and a clearer sense of what “modernization” should look like in the real world. 

What happens to a deposit when the account holder dies — and why are banks so unprepared for the one moment they know is coming?In this episode of the One Vision Podcast, Theodora Lau sits down with Martha Underwood, Founder and CEO of Prismm and author of the new release: The Death of Deposits. Drawing on 25+ years across IBM, Silicon Valley, and BBVA Compass, Martha talks about the unspoken assumption in banking — that the user will always be there — and how that assumption is now colliding with the largest generational wealth transfer in history.Together, Theo and Martha unpack the retention illusion, why the beneficiary field is the richest unused lead list sitting inside every bank's core, and why deposit attrition at death is an infrastructure problem, not a marketing one. They dig into the operational reality, the cultural reality, and the human reality, and why AI's real job is orchestration under pressure (not more automation). A deeply human conversation about deposits, design, and what it really means to extend a banking relationship beyond a single account holder.