Podcasts about fintech

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Bobbie Shrivastav, co-founder and CEO of Solvrays about building AI-driven workflows that aim to eliminate 70% of manual back office work with governance, auditability, and with human-in-the-loop controls directly built in. They also talk about what makes vertical AI for insurance defensible and measurable, compressing sales and implementation cycles without cutting corners on risk, change management, and how to augment teams as talent retires while new talent ramps up. KEY TAKEAWAYS When the work comes into an organisation, not everything is digital. Things are still mailed, the first help we provide is extracting the information from those manual sources and place it with the right person in their case management system. That alone eliminates 5-7 touch points. When an agent sends an email we're able to get a new business application, we're able to extract the information, we understand that this is a new business applications, and we can take that data and integrate it into the new business solution. Before, someone would have checked an email, gone to the new business application and keyed that in so work could move in. We've eliminated that complex new business touch point. 74% of our industry is still tackling legacy. Customers don't care if you're still using mainframes, they shouldn't feel a difference. We're using agentic AI as a connector to legacy systems, we're also doing database to database connectors, and for newer systems we're using APIs. We eliminate a dependency factor and empowered IT to work with new technologies, so they're not dependent on us. But the business and IT partnership with any project, whether it's our solution or another, is the key to success. BEST MOMENTS ‘We want to be a ray of hope for the operations staff for back office.' ‘What makes us superior, from an industry point of view, is that we've innovated in this space for the last 10 years, we understand operations intimately.' ‘Once a signature is signed, our goal is to do one workflow in two weeks, not months or years, weeks.' ‘Where I've seen most anxiety in business and IT is in implementation, it can drain your team. Our goal is: If we can build our orchestration layer the right way you don't have to be so tense.' ABOUT THE GUESTS Bobbie Shrivastav is founder and managing principal of Solvrays. Previously, she was co-founder and CEO of Docsmore, where she introduced an interactive, workflow-driven document management solution to optimize operations. She then co-founded Benekiva, where, as COO, she spearheaded initiatives to improve efficiency and customer engagement in life insurance. She co-hosts the Insurance Sync podcast with Laurel Jordan, where they explore industry trends and innovations. She is co-author of the book series "Momentum: Makers and Builders" with Renu Ann Joseph. LinkedIn ABOUT THE HOST Sabine is a corporate strategist turned entrepreneur. She is the CEO and Managing Partner of Alchemy Crew a venture lab that accelerates the curation, validation, & commercialization of new tech business models. Sabine is renowned within the insurance sector for building some of the most renowned tech startup accelerators around the world working with over 30 corporate insurers, accelerated over 100 startup ventures. Sabine is the co-editor of the bestseller The INSURTECH Book, a top 50 Women in Tech, a FinTech and InsurTech Influencer, an investor & multi-award winner. Twitter LinkedIn Instagram Facebook  TikTok Email Website This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Galaxy Digital just launched Galaxy One — a platform merging crypto, stocks, and yield accounts into a single financial hub. Coinbase is pursuing a banking charter. Stripe and stablecoin issuers are driving a yield war that could upend global banking profits. Standard Chartered warns of $1T in emerging-market capital flight to stablecoins. From TradFi's defensive moves to FinTech's stablecoin play, today's Breakdown explores how the financial system's borders are dissolving before our eyes. Enjoying this content? SUBSCRIBE to the Podcast: https://pod.link/1438693620 Watch on YouTube: https://www.youtube.com/@TheBreakdownBW Subscribe to the newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://blockworks.co/newsletter/thebreakdown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Join the discussion: https://discord.gg/VrKRrfKCz8 Follow on Twitter: NLW: https://twitter.com/nlw Breakdown: https://twitter.com/BreakdownBW

Episode 468 features Desiree-Jessica Pely, PhD, Co-Founder and CEO of Alfa by Loyee.ai (Top 50 GTM Startup).Find Jessica Online:Website: https://www.loyee.ai/Linkedin: https://www.linkedin.com/in/pely/About Jessica:Desiree-Jessica Pely, PhD, is pioneering a finance-led approach to B2B sales, go-to-market strategy, and revenue growth. As Co-Founder and CEO of Alfa by Loyee.ai (Top 50 GTM Startup), she leads the development of an AI-driven platform that transforms complex market signals into precise, actionable insights for sales, marketing, and finance teams.Jessica brings together a PhD in Financial Economics, a background in Computer Science, and hands-on entrepreneurial execution. She has collaborated with Nobel Laureate Richard Thaler, exploring the intersection of behavioral economics and decision-making, and began her career in quantitative finance and predictive modeling.Her passion for redefining GTM strategy grew from a common challenge: sales teams drowning in data yet struggling to identify the accounts that matter most. Loyee.ai was created to solve this, deploying AI research agents that identify high-value accounts, map markets, and adapt continuously to real-time changes, enabling companies to penetrate markets with precision and scale revenue smarter.Recognized as the “Queen of Leads,” Jessica has been named among the Top 100 People in SaaS, and awarded Salesperson of the Year. Beyond her company, she is an active mentor, investor, and coach, championing the next generation of innovators in SaaS, FinTech, and AI.

Host:  Mindy McCulley, MS Extension Specialist for Instructional Support, Family and Consumer Sciences Extension, University of Kentucky Guests: Kristen Jowers, MS Extension Specialist for One Op Season 8, Episode 15 Join host Mindy McCulley and guest Kristen Jowers as they explore the world of financial technology on this episode of MoneyWi$e on Talking FACS. They explain FinTech and how common tools—mobile banking, peer-to-peer payment apps, budgeting and debt-tracking tools, and credit monitoring—can simplify everyday money management. Kristen and Mindy discuss security and privacy concerns, fees and tax reporting for payment apps, how to choose the right tools (features, testing, and costs), and practical tips for incorporating FinTech into family budgets. They highlight free and trusted resources like PowerPay and the Sense app for military families, and remind listeners to use FDIC-insured accounts and review credit reports regularly. Expect clear, actionable advice for using FinTech responsibly, questions to ask when selecting apps, and links to Extension resources to help you get started managing money more confidently. For more information about this topic and other MoneyWi$e topics, visit: PowerPay Sen$e MoneyWi$e Newsletter MoneyWi$e Website Connect with FCS Extension through any of the links below for more information about any of the topics discussed on Talking FACS. Kentucky Extension Offices Connect with FCS Extension through any of the links below for more information about any of the topics discussed on Talking FACS. Kentucky Extension Offices UK FCS Extension           Website           Facebook           Instagram           FCS Learning Channel    

For episode 612 of the BlockHash Podcast, host Brandon Zemp is joined by Scarlett Sieber, Chief Strategy and Growth Officer for Money20/20. ⏳ Timestamps: (0:00) Introduction(1:39) Who is Scarlett Sieber?(3:30) What is Money20/20?(4:56) FinTech trends in 2025(7:54) What to look forward to at Money20/20 in Las Vegas(10:05) AI Trends in TradFi(11:48) Stablecoin Trends in TradFi(13:30) Money20/20 globally(16:02) Future vision of Money20/20(18:42) Learn more about Money20/20

In this episode, we will discuss the reasoning behind Reddit's IPO and describe the journey. While some of the particulars of Reddit's IPO activities will be discussed, the emphasis will be on what a treasury team needs to consider and do for a successful IPO. Reddit completed its NYSE IPO in March 2024 with an initial valuation of $6.4B.

In this episode of One Vision, we welcome Sean Scott, SVP Partnership & Personalization at U.S. Bank, to discuss the evolution of digital banking, and the intersection of innovation and execution. The conversation dives into Sean's journey in leading digital transformation initiatives at the bank and being customer obsessed. Sean shares his insights on the importance of blending technology and human elements, and the role of AI. We also explore the dynamics of FinTech partnerships and their potential to multiply value for customers. Tune in to learn how to be the true champion of the customer in the digital era.#AI #Fintech #FinancialServices #DigitalTransformation #CustomerExperience #Leadership 00:00 Introduction and Guest Welcome01:35 Sean's Background and Role at US Bank03:40 Key Lessons and A-Ha Moments in Digital Banking09:32 Empathy and Customer-Centric Approach16:18 Partnerships Between Banks and FinTechs20:54 Future Technologies and Their Impact

In ihrer Solo-Folge spricht Lea mit Bastian Krautwald – früher Fintech-Gründer, heute Padel-Unternehmer. Die beiden reden darüber, warum gerade alle Padel verfallen, weshalb der Einstieg so einfach ist und wie Padel-Clubs zu Orten werden, an denen echte Gemeinschaft entsteht. Außerdem geht es um die Frage, was Gründergeist mit Sport zu tun hat – und warum Padel nicht nur ein Hype, sondern auch ein spannendes Business ist.

In this episode of B2B Vault – The Biz To Biz Podcast, host Allen Kopelman welcomes Sam Imperati from ICM Resolutions to talk about practical strategies for resolving business and organizational conflicts.Sam shares how his coaching program helps leaders, executives, and family businesses navigate disputes quickly—often in 30 days or less. Unlike generic courses, his one-on-one approach digs into the root of each conflict, providing tailored tools you can implement right away.

Welcome back to the occasional series on the podcast called Fintech Revealed. This is a sponsored show where we take a deep dive into one topic with a couple of industry experts.Today, we are focusing on small business credit with Levi King, the CEO of Nav and Gerri Detweiler, a credit expert and educational consultant. We provide listeners with a clear understanding of how small business credit reporting works and why it is so different to consumer credit. We talk about open banking and how cash flow underwriting helps more small businesses get approved for credit and at a lower rate.Levi traces Nav's evolution from a credit data tracking platform to a comprehensive financial health solution that now facilitates embedded lending through partners like Fundbox, while Gerri emphasizes the educational mission of helping business owners understand their business credit profile and why scores that can vary wildly between bureaus.Both express optimism about the future of small business lending, particularly the rise of embedded financing that leverages diverse data sources from vertical SaaS platforms and the shift in lender attitudes from "extracting a pound of flesh" to genuinely advocating for small business success.In this podcast you will learn:How Nav has evolved since I last had Levi on the show in 2017.The types of small businesses that are coming to Nav.The main differences between a business and personal credit report.How Nav works with partners today.What they are doing to help small business owners get educated.What it takes to become a Nav partner today.How they integrate the huge number of small business data sources.What it is like convincing small business owners to connect their bank data.How cash flow underwriting is change the game for small business lending.How they are using AI to analyze the myriad data sources.Some of the surprising insights they have gleaned from this data.What trends they are seeing that contradict conventional wisdom.What needs to happen next to move the industry forward.Why they are optimistic about where the industry is headed.Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

In this episode of the Investor Fuel Podcast, host Michelle Kesil interviews Nate Cater, who discusses his innovative platform that serves as an escrow alternative for private money lenders. Nate shares his journey in the finance and lending industry, the challenges he faced in creating his business, and the importance of educating clients about the future of lending, especially in light of emerging technologies like blockchain. He emphasizes the need for transparency and adaptability in the lending space, as well as the significance of building strong relationships with clients. The conversation concludes with insights on user experience and how potential clients can easily onboard to the platform.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

The payments landscape is experiencing regulatory upheaval, forcing financial institutions to rethink their approach to money movement modernization. With ISO message format changes, Swift updates, and evolving fraud requirements hitting simultaneously, banks are facing a complex web of compliance demands that require immediate attention. "The regulatory agenda for money movement is probably one of the most aggressive we have," said Elaine Duff, SVP and Head of Money Movement at FIS. "It's across the globe. We're seeing the ISO message intended to help firms standardize their messaging, become more efficient, and make their operations much more standardized." Yet the scale of change extends far beyond simple messaging updates. The oncoming change affects fraud tools, digital channels, reporting formats, and entire operational workflows. For many institutions, the traditional rip-and-replace approach to modernization has become both financially and operationally untenable. Nick Dovaras, Global Account Manager at AWS, emphasized the broader pressures driving urgency: "There's customer expectations as well. Customers are expecting 24/7, instant, and customer-friendly mobile applications that are connected to online systems.” Dive into this episode to hear about how financial institutions are navigating regulatory pressures through modular modernization strategies. FIS' Duff and AWS' Dovaras break down the critical role embedded fraud protection is playing in real-time payments, and why cloud-based solutions are enabling banks to modernize their money movement capabilities without the risks of traditional rip-and-replace approaches.

In this episode of Tank Talks, host Matt Cohen is joined by John Ruffolo to dive deep into the rapidly evolving AI landscape, its economic ramifications, and Canada's growing potential as a global tech leader. They discuss pivotal topics, such as energy challenges in AI infrastructure, the rise of AI tokenization, and the impact of government policies on the sector. With a focus on the future of tech, investments, and the role of Canada, this episode offers an insightful look at where the industry is headed.A Quick Word from our Sponsor, FaskenAt Fasken, our clients don't wait for the future. They build it. As the first and largest dedicated emerging tech practice in Canada, our team is composed of founders, ex in-house counsel, developers and business advisors who have guided clients from startup, to scale-up, to exit. The trust of our clients has enabled us to consistently rank at the top of every major Canadian M&A, Capital Markets and Venture Capital league table. With deep industry knowledge and experience across all areas of emerging and high growth technology including ClimateTech, MedTech, Artificial Intelligence, Fintech, and AgTech we're your partners within the innovation ecosystem as you transform the landscape of what's possible.Tomorrow starts here. Own it with us.For more information, visit fasken.com/emergingtech and follow us on LinkedIn.AI Energy Demands & Canada's Opportunity (00:04:39)John and Matt discuss the massive demand for compute power in AI and Canada's potential to lead by meeting these energy needs. They highlight the importance of matching energy capacity with data center development to become a global tech leader.The AI CapEx Boom and the Trillion-Dollar Question (00:07:05)The discussion shifts to the booming capital expenditures in AI, with a particular focus on the rising costs of building AI infrastructure and whether this growth is sustainable in the long term.Canada's AI Strategy and Sovereign Identity (00:14:21)The conversation turns to Canada's AI strategy, with a task force focusing on innovation, research, and talent retention. John shares his thoughts on the potential challenges and opportunities for Canada in becoming a key player in the AI space.The SEC's Push for Tokenization in the U.S. (00:19:33)The episode also delves into the SEC's efforts to allow the tokenization of stocks and what this could mean for the financial industry and blockchain adoption.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

In the final episode of Powering Payments Together: How Payroc Helps ISVs Scale Smarter, we turn the spotlight on CenterEdge Software and their journey to building a payments program that drives real business value. Leslie Legel, Director of Payments at CenterEdge, joins the conversation to share how Payroc has become a trusted partner in helping them overcome challenges, strengthen their platform, and deliver a seamless experience for their clients.Leslie explains why payments are mission-critical for family entertainment centers, where more than 90 percent of transactions are digital and downtime isn't an option. From July 4th waterparks to cashless operations, reliability isn't just a nice-to-have—it's the foundation of customer satisfaction. She reflects on a tough lesson learned when a gateway integration didn't meet expectations, and how those setbacks ultimately led CenterEdge to develop a more reliable and scalable payments strategy.The episode also explores how CenterEdge built and branded “CenterEdge Payments,” giving them control over the customer journey and creating a more transparent, feature-rich solution for their clients. Leslie shares how Payroc stood out as a partner, not just for their technology and APIs, but for their willingness to understand CenterEdge's business, answer tough questions, and provide the tools and flexibility needed to scale.Finally, Leslie offers advice to ISVs navigating the high-stakes world of payments: do your homework, know your limitations, and find a partner who is as invested in your success as you are. Looking ahead, she discusses how CenterEdge and Payroc will continue to grow together, exploring new solutions and opportunities to strengthen their offering in the family entertainment space.

Sports metaphors run deep this week, as Nick Evens and Jenny Jackson preview this year's VentureTech, the annual fintech showcase (and pickleball showdown). Not to be outdone, Early Warning's Paze digital wallet dials up its marketing efforts with a key NBA partnership. Plus- The Curql Fund does a 360, and HSBC brings real-world application of quantum computing into focus.    Links related to this episode:   VentureTech: https://myventuretech.com/    The Atlanta Hawks/Paze partnership: https://www.nba.com/hawks/paze    Paze: https://www.paze.com/   Three-minute video on HSBC's quantum computing bond trading breakthrough: https://www.youtube.com/watch?v=-SWMoGqTHoo    HSBC/IBM press release on the algorithmic trading first: https://www.hsbc.com/news-and-views/news/media-releases/2025/hsbc-demonstrates-worlds-first-known-quantum-enabled-algorithmic-trading-with-ibm    BIG's Innovation Club: https://www.big-fintech.com/innovation-club/      Join us for our next CU Town Hall- Wednesday October 15 at 3pm ET/Noon PT- for a live and lively interactive conversation tackling the major issues facing credit unions today. Quantum computing will likely be among the topics discussed this session, but other breaking industry news is sure to enter the chat. The Town Hall is free to attend, but advance registration is required:  https://www.cutownhall.com/   Follow us on LinkedIn:  https://www.linkedin.com/company/best-innovation-group/   https://www.linkedin.com/in/jbfintech/  https://www.linkedin.com/in/glensarvady/

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Amit Santhirasenan, co-founder and CEO of hyperexponential, an actuary and software engineer who has built the AI native pricing and underwriting platform used by leading specialty carriers. In this episode we cover how to turn messy submissions into structured signals your pricing model can trust – without hiring an army, multi agent architectures, the agentic AI mesh, and the human in the loop controls executives need for auditability and speed, and where agentic underwriting is ready today (and where it isn't), plus the metrics executives should track—cycle time, hit ratio, and loss ratio uplift. KEY TAKEAWAYS Email submissions were a luxury at the start of my career! What's been so exciting for me, as a self-professed nerd, is the pace at which the capabilities of core models have got so good that even 6 months ago was a whole product's capability and feature set is now within the gift of Gemini or GPT5. If you're an underwriter filling out a spreadsheet/renew model, in 2025 you need to be working with hx underwriting , actuary or agent inside a renew model to have your paired partner helping you get to the best result. Why can't you have deep risk research on every single risk? Why can't you say: Tell me the most important characteristics in the world that you can tell me about the top 3 exposures? No human can do this work, the cost/benefit trade off there isn't economic, but you can run an OpenAI deep risk API call to do that on every single risk you underwrite today. We do it for you, it's what we do. All of a sudden it's dramatically easier to bring that level of differentiation and specialism in the way that great underwriting has always been done to every single risk you want to touch. BEST MOMENTS ‘You won't see that many places with a $7 trillion contribution to GDP, with such a small number of companies and people responsible for this.' ‘We demonstrated the first API machine vision algorithm in the market in 2017, now kids coming out of university are doing that as toy projects before they get to our clients.' ‘You can have an army of digital agents helping you now, all for $20 per month!' ‘Generative AI models have unlocked the ability to pull data so quickly out of the information required for underwrite that you can put a very quick red/amber/green status on risks, several orders of magnitude greater than ever before.' ABOUT THE GUESTS Amit Santhirasenan is the Co-founder and CEO of Hyperexponential (hx), the AI native pricing and underwriting platform for P&C insurers. Under his leadership, hx Renew has become known for delivering executive level outcomes: ~50% faster submission to bind, 10× faster model build and deployment, and a platform that supports $45bn+ in GWP for 20+ enterprise customers worldwide. A qualified actuary and computer scientist, Amrit previously spent over a decade in the London Market. He served as Head of Pricing & Analytics at Tokio Marine Kiln, building the managing agent's first technical pricing team to support ~£1.5bn GWP, and earlier held actuarial roles at Catlin (including standing up the Canadian actuarial function). ABOUT THE HOST Sabine is a corporate strategist turned entrepreneur. She is the CEO and Managing Partner of Alchemy Crew a venture lab that accelerates the curation, validation, & commercialization of new tech business models. Sabine is renowned within the insurance sector for building some of the most renowned tech startup accelerators around the world working with over 30 corporate insurers, accelerated over 100 startup ventures. Sabine is the co-editor of the bestseller The INSURTECH Book, a top 50 Women in Tech, a FinTech and InsurTech Influencer, an investor & multi-award winner. Twitter LinkedIn Instagram Facebook TikTok Email Website This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Today we're sharing a feed drop from Cheeky Pint, where Stripe cofounder and president John Collison chats with legends in technology over a pint of Guinness.In this episode, John is joined by a16z cofounder Marc Andreessen and tech investor Charlie Songhurst for a candid conversation about bubbles, downturns, and the psychology of markets. They discuss what makes Silicon Valley so hard to replace, the deep history of the Valley's ecosystem, and the future of media. From the lessons of the dot-com crash to the future of venture capital and startups, this is an inside look at how big cycles shape innovation and what it takes to build on the frontier. Timecodes: 0:00 Introduction 1:56 Marc Andreessen's early internet stories3:10 Silicon Valley, risk, and downturns8:30 Marc Andreessen's early internet days11:52 Investing across cycles16:30 Can you tell when you're in a bubble?19:10 Trust, high-status VCs & preferential attachment27:00 Venture capital, startups, and investment cycles33:34  East Coast vs. West Coast: risk and culture44:00 High trust culture in Silicon Valley50:00 Why Silicon Valley, not Boston or Europe?55:00  Company tragedies and missed opportunities1:00:00 The internet boom, bubbles, and AI parallels1:15:00 AI's impact: productivity, jobs, and society1:35:00 Crypto, stablecoins, and fintech1:50:00 Public vs. private markets & venture strategy2:00:00 Big companies, competition, and bureaucracy2:05:00 Boards, governance, and the Elon Musk method Resources: Watch more episodes from Cheeky Pint: https://www.youtube.com/@stripeListen to Cheeky Pint on Apple Podcasts: https://podcasts.apple.com/us/podcast/cheeky-pint/id1821055332Find John on X: https://x.com/collisionFind Charlie on LinkedIn: https://www.linkedin.com/in/charlessonghurst/Follow Marc on X: https://x.com/pmarcaMarc's Substack: https://pmarca.substack.com/  Stay Updated: Find us on X: https://x.com/a16zFind us on LinkedIn: https://www.linkedin.com/company/a16zThis information is for general educational purposes only and is not a recommendation to buy, hold, or sell any investment or financial product. Any investments or portfolio companies mentioned, referred to, or described in this podcast are not representative of all a16z investments and there can be no assurance that the investments will be profitable or that other investments made in the future will have similar characteristics or results. A list of investments made by a16z is available at https://a16z.com/investment-list/. All investments involve risk, including the possible loss of capital.  Past performance is no guarantee of future results and the opinions presented cannot be viewed as an indicator of future performance. Before making decisions with legal, tax, or accounting effects, you should consult appropriate professionals. Information is from sources deemed reliable on the date of publication, but a16z does not guarantee its accuracy. Stay Updated:Find a16z on XFind a16z on LinkedInListen to the a16z Podcast on SpotifyListen to the a16z Podcast 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.

Today on the Tearsheet Podcast, we're diving into a story that captures the evolution of modern finance — where professional athletes aren't just endorsing products, but building the infrastructure that empowers the next generation of wealth creators. I'm joined by Sheldon Day, Co-Founder and President of The Player's Company, a collective of over 500 professional athletes and accredited investors who are rewriting the playbook on financial empowerment. As a NFL defensive tackle with the Washington Commanders and eight-year veteran, Sheldon understands firsthand the financial realities that athletes face both during and after their careers. The Players Company isn't just another investment club — it's a platform democratizing access to wealth-building tools once reserved for the ultra-wealthy, while providing financial education many athletes never received. Since 2019, TPC has facilitated investments in startups like ZenWTR, Teamworks, and Public.com, proving athletes can be sophisticated capital allocators when given the right resources. We'll explore how Sheldon went from reading defensive formations to reading investment prospectuses, and how The Players Company is scaling to empower athletes across all sports to build generational wealth.

In this special release episode of Small Biz Florida, we take you inside the 46th Annual America's SBDC Training Event held in Orlando, Florida — a premier gathering for small business development professionals across the country. With over 1,400 SBDC consultants in attendance and more than 200 expert-led workshops, the event provided a comprehensive overview of the latest trends, technologies, and strategies shaping the future of small business support. Host Tom Kindred speaks with three influential leaders in the SBDC network: April Youngblut, Vice President of America's SBDC; Lisa Hall, Regional Director at the University of Scranton's SBDC; and Kyle Hensel, Director of Continuing Education at the University of Georgia's SBDC. Together, they discuss how the conference fosters collaboration, professional development, and the integration of new tools, such as AI and FinTech, into small business advising. This podcast episode was recorded live at the 46th Annual America's SBDC Training Event hosted at the Hilton Orlando. This podcast is made possible by the Florida SBDC Network and sponsored by Florida First Capital. Connect with Our Guest: America's SBDC 

Send us a textMiguel Armaza sits down with Nico Simko, CEO and co-founder of Clair, for an inside look at the journey, pivots, and insights behind one of the most innovative companies in earned wage access and embedded fintech.From his early days as a competitive fencer on the Swiss national team—where he learned the mental agility and resilience needed for entrepreneurship—to his high-impact stints at J.P. Morgan, Nico shares how his personal story shaped his approach to building and scaling Clair. He dives into founding Clair and the surprising early missteps around product-market fit, the company's evolution toward deep partnerships with payroll and workforce management platforms, and why saying “no” is a crucial leadership skill for founders.Timestamped Overview00:00 Intro05:31 Entrepreneurship as Mission, Not Title08:35 Building Empowered Engineering Teams09:29 Rethinking Direct Deposit Banking14:22 Transparency in Company Pivot16:32 AI-Driven Efficiency in Fintech21:05 Strategic Partnerships with Payroll Firms24:06 Business Payment and Tip Challenges27:15 Unique Payroll Underwriting Edge30:07 Passion Drives Success and Growth31:27 Startup Reality's Tough LessonsDo you prefer a written summary? Check out the Fintech Leaders newsletter and join 80,000+ readers and listeners worldwide!Miguel Armaza is Co-Founder and General Partner of Gilgamesh Ventures, a seed-stage investment fund focused on fintech in the Americas. He also hosts and writes the Fintech Leaders podcast and newsletter.Miguel on LinkedIn: https://bit.ly/3nKha4ZMiguel on Twitter: https://bit.ly/2Jb5oBcFintech Leaders Newsletter: bit.ly/3jWIp

Solenne est à la tête du podcast Finscale depuis 5 ans. C'est devenue LA référence en France et (largement au delà) sur les Fintech & Insurtech. Elle interroge chaque semaine celles et ceux qui innovent et prennent des décisions stratégiques dans l'industrie financière.Ensemble, on va se poser une question cruciale : comment faire émerger une Europe vraiment indépendante d'ici 10 ans ? Bon teaser

In this powerful episode of the Fintech Hunting Podcast, host Michael Hammond welcomes back Eloise Schmitz, CEO and Co-Founder of LoanNEX, for a must-listen conversation on the critical role non-QM and non-agency lending plays in today's mortgage market.

Welcome back to Fintech Takes. I'm Alex Johnson, joined (as always) by my partner-in-recapping, Jason Mikula.  First up: the uneasy détente in open banking is over. Jason and I haven't had a chance to debrief on Plaid's deal with JPMorgan Chase to pay for API access (so we do). Payments use cases remain the most expensive, Plaid is eating the fees (at least for now), and Chase looks like it's succeeded in hobbling Pay by Bank. We unpack why Plaid did the deal, what it means for other aggregators.  Next up, color us nostalgic; back to BaaS Island we go! The FBI is probing Evolve. The scope reportedly extends to board members (including a16z), and new details suggest international money movement in Southeast Asia (tied to a $15M pig-butchering scheme). As the saying goes, bankers almost never go to jail; will this time be any different? Then, we turn to AI. FICO has announced a new product called a foundation model for financial services. The idea is to build smaller, domain-specific models that are cheaper, faster, and more reliable than generic LLMs, while adding predictive lift on top of existing analytics. The open questions: is this hype dressed up for Wall Street, or a clever way to squeeze extra predictive power out of structured financial datasets? And most of all: who is this really for? Plus, in our Can't Let It Go corner, Jason bristles about being labeled as “partisan” (in response to his response about the “Debanking” Executive Order) while I puzzle over Tether reportedly raising at a $500B valuation (the same as OpenAI, except Tether's core product is…not getting audited and telling everyone to “just trust us.”) Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/  And for more exclusive insider content, don't forget to check out my YouTube page. Follow Jason: Newsletter: https://fintechbusinessweekly.substack.com/ LinkedIn: https://www.linkedin.com/in/jasonmikula/   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnsonTwitter: https://www.twitter.com/AlexH_Johnson

Bridging the gap between Treasury, Accounts Receivable, and Accounts Payable represents the critical "last mile" in financial automation. John Rubenetti, President of B2B Payments at Deluxe, reveals how leading organizations are connecting these traditionally siloed functions to create seamless, intelligent financial ecosystems.The challenge isn't implementing individual automation solutions—it's connecting them. "The friction shows up in the handoffs," Rubenetti explains. When data and money flow through disconnected systems, finance leaders lose visibility and control. True transformation happens when organizations align technology, people, and processes to create end-to-end financial workflows.Many CFOs underestimate the complexity of integration. They may believe they understand departmental processes but miss critical dependencies or manual workarounds. Data quality becomes another stumbling block—if information isn't clean today, automation won't deliver promised insights. Rubenetti advises starting with a clear vision, taking a phased approach, and choosing partners who understand both the technology and change management aspects.The conversation explores how modern thinking must accompany modern tools. While dashboards provide visibility, embedding intelligence directly into workflows creates transformative value. Instead of merely reporting numbers, advanced systems prioritize actions, handle exceptions through AI, and trigger automated responses—shifting from static reporting to dynamic decision support.Rubenetti highlights three significant B2B payment trends: mid-market automation (where 70% still lack automated AP/AR processes), enhanced security (as "fraud thrives in manual processes"), and payment modernization. Despite technological advances, paper checks remain surprisingly prevalent, particularly among small and mid-sized businesses who value the detailed information that accompanies them.Deluxe has evolved far beyond its reputation as "the check company" to become a comprehensive payments and data organization. Their solutions now span the entire financial ecosystem—from treasury management to merchant services—helping businesses move money faster, safer, and more efficiently while maintaining the data integrity essential for strategic decision-making.Ready to complete your financial automation journey? Start by mastering the basics before pursuing flashier technologies. The foundation you build today will determine your success tomorrow.

Cette semaine je lance un nouveau format premium pour le RDV Tech ! Chaque trimestre je vous proposerai un épisode qui fera un état des lieux des grandes tendances de l'industrie et de ce que je vois dans ma veille, à l'horizon de quelques mois ou de l'année plutôt que celui du quotidien ou de la semaine. L'idée est de fournir une vision complémentaire de l'actu, qui vous permettra de mieux appréhender les évolutions réelles de l'industrie, ainsi que la manière dont elles influencent nos sociétés. A trop avoir la tête dans le guidon, on peut rater un bus qui déboule, pourrait-on dire. :)Au programme :Les grandes tendances :Autonomie stratégique (disponible pour tous)Contrôle de l'âge sur Internet (réservé aux patreotes)Montée en puissance de l'IA (réservé aux patreotes)Tendances émergeantes (réservé aux patreotes)Infos :Animé par Patrick Beja (Bluesky, Instagram, Twitter, TikTok).Produit par Patrick Beja (LinkedIn) et Fanny Cohen Moreau (LinkedIn).Musique libre de droit par Daniel BejaLe Rendez-vous Tech épisode 634 – État des Lieux – sept 2025---Liens :

Episode 150 of Couchonomics with Arjun is here — and it's a milestone.For the very first time, we go to Latin America. My guest: Eduardo Chedid, CEO of PicPay — Brazil's biggest super app and one of the fastest-scaling fintechs in the world.With 60M+ customers, $1B+ in revenues, profits up 7× YoY, and 4,500 employees, PicPay is rewriting the rules of digital banking in one of the most competitive markets on earth.We cover:- Brazil's fintech revolution and the role of regulation- How PicPay scaled from wallet → super app → full-service bank- Why AI and open finance are core to growth- The future of tokenized money and cross-border paymentsThis isn't just a Brazil story — it's a blueprint for the future of finance.Couchonomics with Arjun Season 04 is brought to you by our partners:Adyen https://www.adyen.com/Thunes https://thunes.com/Mastercard https://mastercard.com/E& https://www.eand.com/Digit9 https://www.digitnine.com/SC Ventures https://scventures.io/Hala https://hala.com/Chapters:00:00 Episode Highlights01:11 Welcoming Eduardo Chedd03:29 Brazilian FinTech Landscape11:22 PicPay's Growth and Strategy23:52 AI Integration and Innovations28:25 Organizational Structure and Product Velocity29:23 Ownership and Cross-Functional Integration31:13 Driving Governance and Agile Practices32:36 The Role of Data in Financial Services36:55 The Evolution and Importance of Digital Wallets38:46 Tokenized Money and Future Trends41:59 Competition and Market Focus45:21 Global Insights and Future Plans50:44 Conclusion and Final ThoughtsOur website

José Antonio Esteban, CEO de IronIA Fintech, analiza las nuevas Apps que tiene la compañía. “Siempre hemos tenido una web que se adaptaba al móvil y ahora tenemos Apps”, señala el invitado. Añade además que “han invertido bastante tiempo en ver lo que más utilizan sus clientes y eso lo han trasladado a una app”. ¿Cómo funciona esta nueva aplicación y qué mejoras trae respecto a la web? El experto indica que “es más rápida porque utiliza los recursos de un móvil, que es una mayor tecnología que la que tenía la NASA cuando llevó al hombre a la Luna, por lo que invertir es más fácil que ir a la Luna”. El CEO de IronIA Fintech desgrana como es la nueva aplicación de la compañía y como puede condensar y explicar tanta información de los fondos que tienen los clientes. “Un móvil es una herramienta muy útil pero con una pantalla pequeña”, afirma el invitado. También aclara que “cuando diseñaron la App lo que hicieron fue comenzar a dar a los clientes lo que más utilizan, la visión de sus carteras, en una sola pantalla donde puedes ver los resúmenes de las mismas”. Además añade que cuentan con una nueva funcionalidad, que pidieron sus clientes, qué es “cuánto han ganado en el día, que para los clientes que entran cada día en la aplicación les resulta muy útil”. La nueva aplicación está desglosada por categorías, tal como nos cuenta José Antonio Esteban. ¿Qué categorías hay? El invitado explica que hay “renta fija, renta variable pero también hay veces que el cliente quiere ver sus inversiones por los fondos que tiene”. También apunta que para cambiar de categoría, “hay un botón que permite cambiar la inversión que estás viendo, con un solo movimiento de dedo, ya que la aplicación está pensada para usarla con uno solo dedo”.

In this conversation, Aidan Larkin sits down with Dr. Max Bernt (TaxBit) to explore the future of asset recovery in a digital-first world. They dive into how data aggregation, crypto, and stablecoins are transforming investigations - and why practitioners have reason for optimism. Timestamps00:00 – Introduction and Background 04:00 – Inside the Digital Asset Recovery Ecosystem 09:48 – How TaxBit Bridges On-Chain and Off-Chain Data 16:00 – Real-World Cases & Lessons Learned 27:50 – Tackling Data Challenges & Regulatory Hurdles 32:09 – Stablecoins: Risks and Opportunities 40:49 – The Future of Financial Crime Investigations 51:03 – Why There's Reason for Optimism in Recovery About our Guest Dr. Max Bernt is TaxBit's Global Head of Regulatory Affairs and Managing Director for Europe. With a robust background in transnational criminal law and extensive experience in regulatory affairs, he advises on cases and policy involving cryptocurrency, financial crime, and digital asset recovery. Max has helped shape discussions around the intersection of law enforcement and crypto, exploring how data aggregation, stablecoins, and regulatory frameworks impact investigations and compliance. Key Takeaways Evolving Asset Recovery Ecosystem: Technology is driving the evolution of the asset recovery ecosystem, creating new tools and approaches for practitioners. Importance of Data Aggregation: Effective investigations rely on robust data aggregation, helping practitioners identify patterns and trace assets efficiently. Bridging On-Chain and Off-Chain Data: TaxBit serves as a critical bridge between on- and off-chain data, enabling more accurate and comprehensive investigations. Impact of Regulatory Changes: Shifting regulations will have a significant effect on financial crime investigations, requiring practitioners to adapt strategies accordingly. Opportunities and Challenges of Stablecoins: Stablecoins present both opportunities and challenges for investigators, influencing how digital assets are tracked and recovered. Optimism for the Future of Asset Recovery: Despite the challenges, practitioners can be optimistic about future advancements, including improved efficiency, technology, and collaboration in the field. Resources Mentioned Taxbit Stay Connected Dive deeper into the world of asset recovery by subscribing to Seize & Desist: https://link.cohostpodcasting.com/b36b929c-6ca3-4e49-8258-44c310d012c9?d=sG5Qi2MdL DisclaimerOur podcasts are for informational purposes only. They are not intended to provide legal, tax, financial, and/or investment advice. Listeners must consult their own advisors before making decisions on the topics discussed. Asset Reality has no responsibility or liability for any decision made or any other acts or omissions in connection with your use of this material. The views expressed by guests are their own and their appearance on the program does not imply an endorsement of them or any entity they represent. Views and opinions expressed by Asset Reality employees are those of the employees and do not necessarily reflect the views of the company. Asset Reality does not guarantee or warrant the accuracy, completeness, timeliness, suitability or validity of the information in any particular podcast and will not be responsible for any claim attributable to errors, omissions, or other inaccuracies of any part of such material. Unless stated otherwise, reference to any specific product or entity does not constitute an endorsement or recommendation by Asset Reality.

Checkout ASUS ExpertBook P Series: ⁠⁠https://www.flipkart.com/bbd-eb-sale-at-store⁠⁠Guest 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.Order 'Build, Don't Talk' (in English) here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://amzn.eu/d/eCfijRu⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Order 'Build Don't Talk' (in Hindi) here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://amzn.eu/d/4wZISO0⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow Our Whatsapp Channel: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.whatsapp.com/channel/0029VaokF5x0bIdi3Qn9ef2J⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe To Our Other YouTube Channels:-⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@rajshamaniclips⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@RajShamani.Shorts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

On today's Legally Speaking Podcast, I'm delighted to be joined by Charlotte Hill. Charlotte is a partner at Penningtons Manches Cooper specialising in commercial dispute resolution, financial services regulation, restructuring and insolvency, described as a next generation partner by the Legal 500, Charlotte is passionate about her work in the sector, and has been awarded Women of the Year, FinTech and crypto innovation UK, at the city wealth power, women awards.So why should you be listening in? You can hear Rob and Charlotte discussing:- Charlotte Hill's Career Journey and Path to Partnership- Building Inclusive Law Firm Culture and Supporting the Next Generation- Navigating Crypto, Digital Assets, and Emerging Tech in Legal Practice- Managing Legal Risk and the Role of AI in Litigation- Regulation, Community, and Advice for Aspiring Solicitors in Commercial DisputesConnect with Charlotte Hill here - https://uk.linkedin.com/in/charlottehill-litigation

In Episode 98 of The Product and Growth Show, I sat down with Ivan Vasylchenko, tech entrepreneur and former COO of Trade Republic. Ivan joined the company when it was still called Neon Trading and helped scale it to over 10 million customers across 17 European countries with a $5B valuation. We talked about conviction in early-stage startups, scaling under extreme pressure during COVID, and what founders often get wrong about fintech growth stories. What did we talk about? - How Ivan went from finance consulting and hackathons to joining Trade Republic in its earliest days - The dodgy beginnings of “Neon Trading” and why conviction mattered more than optics - Building product-market fit through stock market games and waiting lists - Foundational decisions that shaped Trade Republic: licensing, building tech in-house, and compliance - Scaling from 10 to nearly 200 people during COVID and surviving explosive customer demand - Why fintech growth isn't just “breaking things fast” but about stamina and regulation - Ivan's current projects at the intersection of AI and fintech Ivan's LinkedIn: https://www.linkedin.com/in/ivan-vasylchenko/

Vom Schaulaufen in Berlin bis zur Banking Exchange in Frankfurt: Was gerade wirklich zählt und eben nicht..

Drop us a message!For marketers, building a personal brand while representing a company can feel like walking a tightrope. In this episode, we're talking to Allanah Micallef, a Digital Marketing Campaign Manager at Utilita Energy, to explore how to strike the right balance, showcasing your expertise without overshadowing the company you represent.Plus, we're social speaking to Nikki, a Social Media Executive here at Giraffe Social, to get her thoughts on a new Instagram report from Buffer, which suggests that posting more may actually be the key to growth on the platform.Want to be featured on the pod? Drop us a voice note on Instagram at @GiraffeSM. About Giraffe Social's Social in 10 Podcast Giraffe 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!

In this crossover episode of The Consumer Finance Podcast and Regulatory Oversight, Chris Willis is joined by Joseph DeFazio, Bill Foley, and Michael Yaghi to discuss the implications of New York's FAIR Act, a significant amendment to the state's UDAAP statute. The FAIR Act aims to broaden consumer protection by lowering the threshold for legal action against unfair and abusive business practices. With expanded enforcement powers for the state, this legislation could dramatically increase litigation risks for financial services companies operating in New York if the governor signs the bill. Tune in to understand how this legislative shift might affect the industry and what steps businesses can take to prepare. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Tether busca levantar 20,000 millones de dólares a una valuación de 500,000 millones, lo que la colocaría como una de las empresas privadas más grandes del mundo y en este episodio te explicamos que está pasando.Inscríbete a Inversionista del Futuro: https://www.espaciocripto.io/inversionista?utm_source=social&utm_medium=yt&utm_content=bioComunidad de Espacio Cripto: https://t.me/espaciocripto0:00 Intro1:05 Volatilidad del mercado5:39 Banco de México reduce tasas de interés9:11 Rumor: Tether busca levantar 20,000 MDD12:11 Lanzamiento de Plasma14:34 Prediction markets en auge y South Park22:37 BitGo prepara su salida a bolsa24:46 BlackRock gana cientos de millones con ETFs de BTC y ETH26:30 Y Combinator y Coinbase Ventures apuestan por “Fintech 3.0”

#thePOZcast is proudly brought to you by Fountain - the leading enterprise platform for workforce management. Our platform enables companies to support their frontline workers from job application to departure. Fountain elevates the hiring, management, and retention of frontline workers at scale.To learn more, please visit: https://www.fountain.com/?utm_source=shrm-2024&utm_medium=event&utm_campaign=shrm-2024-podcast-adam-posner.Thanks for listening, and please follow us on Insta @NHPTalent and www.youtube.com/thePOZcastFor all episodes, please check out www.thePOZcast.com SummaryIn this engaging conversation, Adam Posner interviews Aleks Svetsky, an entrepreneur and author, who shares his journey from being the son of a factory worker in Australia to becoming the CEO of StatLantis, a next-generation social network for travelers. They discuss Alex's influences, including Steve Jobs, his experiences in the FinTech space, and his insights on Bitcoin as a savings vehicle. Alex also delves into his book, The Uncommunist Manifesto, and the socio-economic implications of Bitcoin. The conversation explores the challenges of product development, the importance of personal growth, and how to define success in one's life.Takeaways- Aleks Svetsky's journey is shaped by his desire to be different from his parents.- Traveling extensively has influenced Alex's perspective on life and business.- Steve Jobs' uncompromising nature inspired Alex's entrepreneurial spirit.- Bitcoin is viewed by Alex as a savings vehicle rather than an investment.- The Uncommunist Manifesto presents a case for liberty and responsibility.- StatLantis aims to revolutionize travel recommendations through social connections.- Saying no to opportunities can lead to greater focus and success.- Success is defined by fighting the right fight and facing challenges head-on.- The importance of personal growth and learning from failures is emphasized.- Alex believes that Bitcoin holders will shape the future socio-economic landscape. Chapters00:00 Introduction to Alex Svetsky and His Journey03:03 Exploring Life in Brazil and Personal Evolution05:46 The Entrepreneurial Spirit: From Early Failures to Success09:06 The Bitcoin Revelation: Understanding Its True Value11:54 The Uncommunist Manifesto: Bitcoin and Societal Change15:02 The Future of Bitcoin: Wealth, Influence, and Responsibility21:16 The Future of Bitcoin and Capital Allocation21:59 The Uncommunist Manifesto: A New Perspective24:35 Introducing Settlantis: A New Social Discovery App27:45 The Evolution of Settlantis: From Web to Mobile31:09 Navigating Entrepreneurial Challenges and Pivots33:47 Defining Success: The Fight Worth Fighting42:25 Connecting with Alex Svetski: Final Thoughts  

Unlocking Retirement Savings: Rocket Dollar's Alternative Investment Platform Rocketdollar.com About the Guest(s): Henry Yoshida is the co-founder and CEO of Rocket Dollar, a booming FinTech company that is revolutionizing retirement saving strategies. With a notable career spanning various sectors within financial services, Henry has orchestrated consulting ventures and technology startups, particularly emphasizing retirement planning and investment diversification. Under his leadership, Rocket Dollar offers innovative solutions, enabling individuals to manage and invest their IRS tax-advantaged retirement accounts in alternative assets like real estate, cryptocurrency, and private equity. With a dedication to expanding investment opportunities and a propellant career, Henry Yoshida is shaping the future of financial management. Episode Summary: On this exhilarating episode of The Chris Voss Show, host Chris Voss is joined by Henry Yoshida, the co-founder and CEO of Rocket Dollar, a prominent player in the FinTech arena. Celebrating over 16 years and 2,500 episodes of bringing influential discussions to listeners, Chris propels this episode into a meaningful conversation about reshaping retirement savings into a more diversified investment model. Henry elaborates on the groundbreaking opportunities Rocket Dollar provides, empowering individuals to invest their IRAs beyond typical stocks and bonds, venturing into realms like real estate and cryptocurrencies. This episode delves into pivotal topics impacting retirement savings and investment strategies. Henry Yoshida discusses recent legislative shifts, highlighting how new executive orders under the past Trump administration have loosened constraints, paving the way for more flexible investment options within retirement accounts. They explore the stark reality of inflation and rising healthcare costs affecting future retirement plans, emphasizing the importance of adaptability in financial planning. As they navigate through modern investment landscapes, the conversation is enriched with insights and analogies that draw attention to the necessity of early retirement savings and the ingenuity of platforms like Rocket Dollar in maximizing such opportunities. Key Takeaways: Rocket Dollar allows retirement savings to be invested in alternative assets, broadening the scope beyond traditional Wall Street options. Executive orders have increased flexibility in how Americans can use retirement funds, fostering creativity and broader investment opportunities. Inflation and healthcare costs are crucial considerations in retirement planning that demand strategic, proactive saving and investing. Early and consistent saving in tax-advantaged accounts (IRAs) can significantly impact financial health and retirement readiness. The importance of starting investment early is emphasized through tangible steps and encouraging insight, promoting long-term financial stability. Notable Quotes: "Rocket Dollar enables our customers to diversify beyond Wall Street into alternative assets such as real estate, startups, private equity, and cryptocurrency." "Executive orders under the Trump administration have actually allowed more flexibility with what people can invest in using retirement dollars." "To answer your question specifically, there was a recent study… that number now for people to feel quote-unquote comfortable has gotten close to $2 million." "Asset location is actually more important than asset selection." "Going from losing five to 10 is easier than going from losing zero to five."

Colton Pace is a founder and currently the CEO of Ownwell, a Proptech company dedicated to democratizing access to real estate expertise and reducing the hidden costs of homeownership. Under his leadership, Ownwell helps homeowners and property owners identify and appeal overvalued property taxes, reduce insurance and utility costs, and manage other home‑related expenses through data, automation, and local expert teams. Before founding Ownwell, Colton served as an investor, asset manager, and venture capitalist, helping manage billions of dollars across various asset classes. He was part of funds that made early investments in companies such as Uber, Spotify, Redfin, Snowflake, UiPath, Zuora, and Grab. (01:05) - VC to PropTech Founder(03:10) - $797B Property Tax Problem(04:48) - Ownwell Traction: 700K+ Homes and SMB/CRE(06:18) - AI Plus 80 Consultants: How Appeals Get Done(08:50) - Success Rates and Savings: Residential vs Commercial(11:27) - Portfolio Case Study: 124 SFR Properties in Texas(13:45) - Valuation Methods and Local Differences(16:13) - Market Size: $50 to 60B Opportunity(17:29) - Feature: CREtech - Join CREtech New York 2025 on Oct 21-22 for the largest Real Estate Meetings program. Qualified Real Estate pros get free full event pass plus up to $800 in travel and hotel costs. (19:02) - Beyond Taxes: Insurance, Loans, Utilities, Concierge (21:30) - Building Trust with Homeowners and CRE Owners (24:03) - Advice for PropTech Founders Selling into Real Estate (26:49) - Collaboration Superpower: Matthew McConaughey

In this episode of Tank Talks, host Matt Cohen is joined by John Ruffolo to discuss pivotal developments shaping Canada's economy and tech industry. They cover a range of topics, from Canada's immigration policies in light of changes to the U.S. H1-B visa program to the evolving AI landscape and its economic implications. John provides insights on how Canada could leverage these immigration shifts to attract global talent, while exploring the risks of inflated AI valuations and the potential for an AI bubble.The conversation also delves into the rising vendor financing model in AI, which could contribute to market instability, and examines whether the massive investments in AI infrastructure are sustainable. John reflects on the challenges facing Canadian companies, including the latest news from Constellation Software and its founder, Mark Leonard's resignation. Together, they explore how AI and its financial impact may create headwinds for established companies while offering opportunities for the Canadian tech sector to emerge as a global leader.A Quick Word from our Sponsor, FaskenAt Fasken, our clients don't wait for the future. They build it. As the first and largest dedicated emerging tech practice in Canada, our team is composed of founders, ex in-house counsel, developers and business advisors who have guided clients from startup, to scale-up, to exit. The trust of our clients has enabled us to consistently rank at the top of every major Canadian M&A, Capital Markets and Venture Capital league table. With deep industry knowledge and experience across all areas of emerging and high growth technology including ClimateTech, MedTech, Artificial Intelligence, Fintech, and AgTech we're your partners within the innovation ecosystem as you transform the landscape of what's possible.Tomorrow starts here. Own it with us.For more information, visit fasken.com/emergingtech and follow us on LinkedIn.AI CapEx Bubble: A Growing Concern (07:30)The conversation shifts to the massive capital expenditures in AI, with John analyzing the risks associated with overbuilding data center infrastructure and the possibility of a tech bubble.Vendor Financing in AI: A Dot-Com Repeat? (09:52)John draws parallels between current AI financing models and the early 2000s dot-com bubble, exploring whether companies are overexposed in the AI sector.The Future of AI Valuations (15:04)An in-depth discussion on the risks of inflated AI company valuations and the potential economic fallout.Canada's Immigration Advantage: H1-B Visa Adjustments (18:12)John and Matt discuss the implications of recent changes to the U.S. H1-B visa program and how Canada could use this shift to attract top talent.Constellation Software: A Transition and the Role of AI (27:09)John reflects on the recent news of Mark Leonard's resignation from Constellation Software and what this means for the company, especially in light of AI-driven changes.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

Excited to welcome GLAS Founder and CEO Mia Drennan on the state of debt in the markets, the need for high quality debt administration and the challenges for women entrepreneurs. Very insightful discussion on growing a fintech and disrupting expectations this week on the Fintech Newscast! GLAS | The global debt administration and trustee services … Continue reading Ep 267- GLAS CEO and Founder Mia Drennan

Sit back and relax but pay attention to my conversation with Gee Ranasinha. Gee lives in the Northeast part of France. As he puts it, his marketing experience goes back to the “days of dial-up internet and AOL CDs”. During our conversation Gee tells us how he progressed from working with film, (do you know what that is?), to now working with the most advanced digital and other technological systems.   He is the CEO of his own marketing company KEXINO. He talks a bit about what makes a good marketing firm and why some companies are more successful than others. He says, for example, that most companies do the same things as every other company. While labels and logos may be different, if you cover up the logos the messages and ways to provide them are the same. The successful firms have learned to distinguish themselves by being different in some manner. He practices what he preaches right down to the name of his company, KEXINO. He will tell us where the company name came from. You will see why I says he practices what he preaches.   Gee gives us a great history of a lot of marketing efforts and initiatives. If you are at all involved with working to make yourself or your company successful marketing wise, then what Gee has to say will be especially relevant to you. This is one of those episodes that is worth hearing more than once.     About the Guest:   Gee has been in marketing since the days of dial-up internet and AOL CDs. Today, he's the CEO of KEXINO, a marketing agency and behavioral science practice for small to medium-sized businesses. Over the past 17 years KEXINO has helped over 400 startups and small businesses in around 20 countries grow awareness, reputation, trust - and sales. A Fellow of the Chartered Institute Of Marketing, Gee is also Visiting Professor at two business schools, teaching Marketing and Behavioral Science to final-year MBA students. Outside of work Gee loves to cook, listens to music on a ridiculously expensive hi-fi, and plays jazz piano very badly.    Ways to connect with Gee:   KEXINO website:  https://kexino.com LinkedIn:  https://linkedin.com/in/ranasinha YouTube:  https://www.youtube.com/c/Kexino Instagram:  https://instagram.com/wearekexino TikTok:  https://tiktok.com/@kexino Threads: https://www.threads.net/@wearekexino BlueSky:  https://bsky.app/profile/kexino.com     About the Host:   Michael Hingson is a New York Times best-selling author, international lecturer, and Chief Vision Officer for accessiBe. Michael, blind since birth, survived the 9/11 attacks with the help of his guide dog Roselle. This story is the subject of his best-selling book, Thunder Dog.   Michael gives over 100 presentations around the world each year speaking to influential groups such as Exxon Mobile, AT&T, Federal Express, Scripps College, Rutgers University, Children's Hospital, and the American Red Cross just to name a few. He is Ambassador for the National Braille Literacy Campaign for the National Federation of the Blind and also serves as Ambassador for the American Humane Association's 2012 Hero Dog Awards.   https://michaelhingson.com https://www.facebook.com/michael.hingson.author.speaker/ https://twitter.com/mhingson https://www.youtube.com/user/mhingson https://www.linkedin.com/in/michaelhingson/   accessiBe Links https://accessibe.com/ https://www.youtube.com/c/accessiBe https://www.linkedin.com/company/accessibe/mycompany/ https://www.facebook.com/accessibe/       Thanks for listening!   Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page. Do you have some feedback or questions about this episode? Leave a comment in the section below!   Subscribe to the podcast   If you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts or Stitcher. You can subscribe in your favorite podcast app. You can also support our podcast through our tip jar https://tips.pinecast.com/jar/unstoppable-mindset .   Leave us an Apple Podcasts review   Ratings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts.       Transcription Notes:   Michael Hingson ** 00:00 Access Cast and accessiBe Initiative presents Unstoppable Mindset. The podcast where inclusion, diversity and the unexpected meet. Hi, I'm Michael Hingson, Chief Vision Officer for accessiBe and the author of the number one New York Times bestselling book, Thunder dog, the story of a blind man, his guide dog and the triumph of trust. Thanks for joining me on my podcast as we explore our own blinding fears of inclusion unacceptance and our resistance to change. We will discover the idea that no matter the situation, or the people we encounter, our own fears, and prejudices often are our strongest barriers to moving forward. The unstoppable mindset podcast is sponsored by accessiBe, that's a c c e s s i capital B e. Visit www.accessibe.com to learn how you can make your website accessible for persons with disabilities. And to help make the internet fully inclusive by the year 2025. Glad you dropped by we're happy to meet you and to have you here with us.   Michael Hingson ** 01:16 Well and a gracious hello to you, wherever you may be, you are now listening to an episode of unstoppable mindset. I am your host, Mike or Michael. I don't really care which hingson and our guest today is Gee Ranasinha, who is a person who is very heavily involved in doing marketing and so on. Gee has been marketing for a long time, and reading his bio, he talks about being in marketing since the days of dial up and AOL and CDs. I remember the first time I tried to subscribe to AOL. It was a floppy disk. But anyway, that's okay. The bottom line is that does go back many, many years. That's when we had Rs 232 cables and modems. Now people probably don't mostly know what they are unless they're technically involved and they're all built into the technology that we use. But that's another history lesson for later. So Gee, I want to welcome you to unstoppable mindset. We're really glad you're here. This should be a fun subject and thing to talk about.   Gee Ranasinha ** 02:27 Well, thank you very much for inviting me, Michael, I do. I do appreciate it.   Michael Hingson ** 02:31 Well, I'm looking forward to it and getting a chance to talk. And love to hear some of your your old stories about marketing, as well as the new ones, and of course, what lessons we learned from the old ones that helped in the new ones. And of course, I suspect there'll also be a lot of situations where we didn't learn the lessons that we should have, which is another story, right?   Gee Ranasinha ** 02:50 Yeah, history does tend to repeat itself, unfortunately, and   Michael Hingson ** 02:55 that usually happens because we don't pay attention to the lessons.   Gee Ranasinha ** 02:59 Yeah, yeah, we, we, I think we think we know better. But I mean, it's, it's, it's funny, because, you know, if you look at other other industries, you know, if, if you want to be an architect, right, you would certainly look back to the works of, you know, Le Corbusier or Frank Lloyd Wright or Renzo Piano, or, you know, some of the great architects, and you would look back on their work, look how they did it. And you would, you know, turn back the the annals of history to to see what had gone before. But for some reason, in our industry, in marketing, we we don't think we can learn from the lessons that our erstwhile peers have had in the past, and we've so as a result, we tend to sort of rename things that have gone before, so that the newer generation of marketers will actually pay attention to them. So we give things new names. But actually, if you, if you scratch the surface and look a little bit deeper. It's actually nothing new at all. And I don't quite know why that is. I think people think that they know better than the people who've gone before them, because of the technology, because you know so much of the execution the promotion side of marketing is technology based. They I'm guessing that people don't see a relevance to what happened in the past because of the technology aspect being different, right? But what I contend is that the the essence. Of marketing is about understanding human behavior and their reactions to particular inputs, impulses, right? Um, in which case, we have plenty to learn from the people who've you know, who've walked in our in the walk this path before, and we should be a little bit, maybe a little bit more humble and open minded into accepting that we don't know everything, and we maybe don't even know what we don't know.   Michael Hingson ** 05:36 I always remember back in what was it, 1982 or 1983 we had a situation here in the United States where somebody planted some poison in a bottle of Tylenol in a drug store. I remember that, yeah, and within a day, the president of the company came out and said, This is what we're going to do to deal with it, including taking all the bottles of all the pills off the shelves until we check them over and make sure everyone is clean and so on. And he got right out in front of it. And I've seen so many examples since of relatively similar kinds of crises, and nobody takes a step to take a firm stand about how we're going to handle it, which is really strange, because clearly what he did really should have taught us all a lesson. Tylenol hasn't gone away, the company hasn't gone away, and the lesson should be that there is relevance in getting out in front of it and having a plan. Now I don't know whether he or anyone really had a plan in case something happened. I've never heard that, but still whatever he got right out in front of it and addressed it. And I just really wish more marketing people, when there is a crisis, would do more of that to instill confidence in consumers.   Gee Ranasinha ** 07:07 He did the right thing, right? He did, he did what you or I would have done, or we would like to think we would have done in this place, right? I, I'm, I'm guessing it was probably, not the favorite course of action, if this had been debated at board stroke shareholder level. But like I said, he he did what we all think we would have done in his place. He did the right thing. And I think that there are many instances today, more instances today than maybe in the past, where the actions of an individual they are. An individual has more freedom of expression in the past than they've had in the in the present, and they don't have to mind their P's and Q's as much. I mean, sure we know we're still talking about profit making organizations. You know, we're living in a pseudo capitalist, Neo liberal society. But surely we're still there still needs to be some kind of humanity at the end of this, right? You know, reputations take years, decades, sometimes, to build, and they can be knocked down very quickly, right, right? There's so I think some somebody, somebody, somebody a lot older and wiser than me, well, certainly wiser older. Said a brand's reputation was like a tree. It takes ages to grow, but can be knocked down very quickly, and there are plenty. You know, history is littered with examples of of organizations who haven't done the right thing.   Speaker 1 ** 09:16 Well, the Yeah, go ahead. No, go ahead. Tell me   Michael Hingson ** 09:20 the I observed this actually not too long ago, on a podcast, this whole discussion to someone, and they made an interesting point, which I think is probably relevant, which is, today we have a different environment, because we have social media. We have so many things, where communications go so quickly, and we we see so many people putting out information right or wrong, conspiracy or not, about anything and everything that comes up, that it causes people maybe to hesitate a little bit more to. Truly study what they want to say, because everyone's going to pick up on it. But at the same time, and I appreciate that at the same time, I think there are basic marketing principles. And as you point out, and as you're well aware, there is such a thing as human behavior, and while people want instant gratification, and they want to know right now what happened 20 minutes ago. The reality is we're not necessarily going to get that. The media doesn't help because they want to put everything out and get the story. But still, the reality is human nature is human nature, and ultimately, Truth will win out. And what we need to do is to really work more toward making sure that that happens.   Gee Ranasinha ** 10:48 I, I actually don't agree with that. Okay, in in, you know, in the, in the with the greatest respect, firstly, I think, I think as a cop out to use social media, information channels, news cycles, that sort of thing, because, if anything, because of the pace of the news cycle and The, you know, the fire hose of social media today, me, we're in a better position to say what we mean and not regret it, because it's forgotten it 20 minutes. Yeah, so it works, it's, it's an argument for what we're talking about not, not against   Michael Hingson ** 11:41 it, yeah. I agree. Yeah, go ahead,   Gee Ranasinha ** 11:45 yeah. And the second thing you said, truth will out. And I think truth does not without and there are plenty of people who continue to spout out misinformation and disinformation, yeah, constantly at every level of corporate at a corporate level, at a political level, at a geopolitical level, or at a local level, right? I don't want to sort of go down that rabbit hole, right, but there are, there are plenty of misquotes, myths, truths, which are never, never withdrawn and never counted, never excused and live out there in the ether, in perpetuity.   Michael Hingson ** 12:35 Yeah, it's true, but I also think that in the end, while some people continue to put their inaccurate information out, I think there are also others who have taken the time, or do take the time they put out more relevant information, and probably in the long run, more people buy into that than to misinformation. I'm not going to say it's a perfect world, but I think more often than not, enough positive information comes out that people eventually get more of the right answer than all the yammering and bad information. But it may take time.   Gee Ranasinha ** 13:18 I would love to believe that, Mike, I really would maybe I'm just too cynical, right?   Michael Hingson ** 13:27 I hear you, I hear you, and you know, I don't know I could be just as wrong. I mean, in the United States today, we've got a government with people who are definitely talking about things and saying things that most of us have always felt are untrue, but unfortunately, they're being said and pushed in such a way that more people are not opposing them. And how quickly that will change remains to be seen. And for all I know, and I think, for all I know, maybe some of what they're saying might be right, but we'll see.   Gee Ranasinha ** 14:05 I think that's the issue. I mean, I, as I said, I don't really want to jump down that politics rabbit hole, but no, not really. I think, you know, the issue is, if you say a lie enough times, people believe it. Yeah, right, yeah. And the fact that nobody's fact checking this stuff, I'm like, I said. I'm not. I'm not singling out politics. I'm singling out messaging in its widest in its widest interpretation, right, false messaging of any sort, if left unchecked. Yeah. Correct. I think the people who know an alternative reality or know that it's a lie know that it's an untruth by not publicly facts checking it, by not calling these. People out are complicit in spreading the lie.   Michael Hingson ** 15:03 Yeah, well, I think that's true, and you're right. It doesn't matter whether it's politics. It doesn't matter whether it's well, whatever it is, it's anything. And I think there's one of the beauties of of our country, your country. And I didn't explain at the beginning that G is in the you said, northwest part of France, right? Northeast, northeast, well, east, west, northeast part   Gee Ranasinha ** 15:29 of Yeah, well, near enough, you know, if you go, if you go, if you go east, far enough times you get, you get to West Anyway, don't you? Well, you get back where you started. Or maybe you don't, I don't know if, depends who you listen   Michael Hingson ** 15:39 to, right? If the Earth is flat. Well, even the Flat Earthers have had explanations for why the earth is flat and people don't fall off, but that's okay, but yeah, so northeast part of France and and I hear, I hear what you're saying, and I think it's important that people have the freedom to be able to fact check, and I, and I hope, as we grow more people will find the value of that, but that in all aspects, but that remains to be seen.   Gee Ranasinha ** 16:14 Well, I think especially in you know, perversely, now that we have the ability to check the veracity of a piece of information a lot easier, right? Almost in real time. Yeah. I think the fact that we can means that we don't, you know, you probably know the quote by what was his name? Edwin Burke, who may or may not have said that, you know, evil triumphs when good men do nothing or something like that. Along that sort of lines, some people say that he didn't say that. He did say, it doesn't matter who said it, right? It's a great quote. It's a great quote. It's a great quote. And that's what I mean about being complicit, just by the fact of not calling this stuff out, feeds the fire. Yeah, to the to the point where it becomes and especially, I'm talking with people who maybe are a little bit younger and haven't and are more likely to believe what they see on screens of whatever size, simply because it's in the public domain, um, whereas The older strokes more cynical of us may may question a lot more of what's thrown in front of our eyes. So I think all of us have a responsibility, which I don't think all of us understand the power that we yield or we're afraid to or afraid to? Yeah, absolutely.   Michael Hingson ** 18:08 So tell me a little about kind of the early Gee growing up and so on, and how you got into this whole idea and arena of marketing and so on.   Gee Ranasinha ** 18:18 Well before this, I was the CMO of a software company. I was there for seven years, and before that, I was working for a company in London, working with in the print and publishing industries. So I've been around media for most of my working life, and after, after being at the software company for seven years, sort of hit a little bit of a ceiling, really. I mean, the company was a small company, and it could only grow at a certain rate, and so I wasn't really being challenged anymore. I had to wait a little bit until the company could fill the bigger shoes that had been given, if you like. You know, I mean growing pains. It's very common for companies of all sizes to go through this sort of thing. So to be honest, I probably was treading water a bit too long. But you know, you get you get complacent, don't you, you get comfortable in in the, you know the corporate job, and you know a salary at the at the end of every month, and you know corporate travel and company BMWs and expense accounts and all of that sort of trappings. And you know, I, I fell for all of that. You. Um, but I finally realized that something needed to happen. So at the end of 2007 beginning of 2008 Me and a couple of colleagues decided to start the agency, which, as you will remember, 2008 was not exactly the best time to start a marketing agency. Good time to start any agency,   Michael Hingson ** 20:29 to be honest. The other hand, there were a lot of opportunities. But yeah, I hear you. Well, yeah,   Gee Ranasinha ** 20:34 glass half full. Glass half empty, right? Yeah. But you know, luckily, with with a number of very, very supportive clients in those early days, you know, we weathered the post recession? Yeah, slow down. And 17 and a half years later, here we are. We've now. We started off with three. We were three. We're now 19. We're in nine countries. Nine of us were in the US. The rest are in Europe, South Africa, Japan, and two people in Australia. That's that, that's, that's who we are. So, you know, we're a a team of marketing, creative and business development specialists, and we work with startups and small businesses primarily in the US, even though we're based all over the place, and we combine marketing strategy, proper strategy, with a thing called behavioral science, which works with organizations to increase their awareness, their reputation, their trust, and most of all, of course, sales Right? Because sales is name of the game. Sales is what it's all about. So yeah, I'd say probably 80, 90% of our clients are in the US and, well, certainly North America anyway, and it's all sorts of industries, all sorts of sizes. We've we've got, we certainly had in the past. You know, solopreneur type businesses, small businesses and larger businesses, up to around 40 to 50 mil to revenue that sort of size, anything bigger they usually have, usually got, you know, quite well, working teams within the organization. So we're, you know, the amount of effective contribution that we can add to that is, it's obviously going to be as a percentage, much lower. So it's, it's, it's really for that, that smaller sized profile of organization, and it's not sort of limited by particular industry or category. We've, you know, we work with all sorts. We've worked in sports, healthcare, FinTech, medical, professional services, software, publishing, all sorts, right across the board.   Michael Hingson ** 23:34 What got you started in marketing in the beginning, you you know you were like everyone else. You were a kid and you grew up and so on. What? What really made you decide that this was the kind of career you wanted?   Gee Ranasinha ** 23:46 Marketing wasn't my first career. I've had a few others in the past. I actually started off my first first company, and I founded, way back when was a media production company. I was a professional photographer, advertising photographer, working with advertising agencies as well as direct corporate commissions. This is in the days of film. This was way before digital image capture.   Michael Hingson ** 24:20 So this is going back to what the 1980s   Gee Ranasinha ** 24:23 it's going to late 80s to early 90s. Yeah, and I was working with eight by 10 and four by five view cameras, sometimes called plate cameras. It was mainly studio stuff. I was happier in the studio that we did location stuff as well. But studio was where I was happiest because I could control everything. I suppose I'm on control freak at the end of the day. So I can control every highlight, every nuance, every every part of the equation. And. And and that's where I started. And then after doing that for a while, I came I got involved with professional quality digital image capture. Is very, very it is very, very beginning. And was instrumental in the the adoption of digital image capture for larger print and publishing catalog fashion houses who were looking for a way to streamline that production process, where, obviously, up until then, the processing of film had been a bottleneck, right? You couldn't, you couldn't process film any quicker than the film needed to be processed, right the the e6 process, which was the the term for using a bunch of chemicals to create slides, die, positives, transparencies. I think it used to take like 36 minutes plus drying time. So there was a, you know, close to an hour wait between shooting and actually seeing what what the result was. And that time frame could not be reduced up until that point in time, the quality of digital image capture systems wasn't really all of that, certainly wasn't a close approximation to what you could get with with film at The time, until a number of manufacturers working with chip manufacturers, were able to increase the dynamic range and the the total nuances that you could capture on digital Of course, the problem at that time was we were talking about what, what were, What today is not particularly large, but was at the time in terms of file sizes, and the computers of the day would be struggling to deal with images of that high quality, so It was always a game of catch up between the image capture hardware and the computer hardware needed to to view and manipulate the image and by manipulate it was more more manipulation in terms of optimizing the digital file for reproduction in print, because obviously that was the primary carrier of, yeah, of the information. It was for use in some kind of printed medium. It wasn't like we were doing very much with with email or websites or anything else in the in the early 90s. So the conversion process to optimize a digital image captured file, to give the best possible tonal reproduction on printed material has always been a little bit of a black art, even when we when we were digitizing transparency films, going to digital image capture made things a lot more predictable, but it also increased the computational power needed, number one, but also for photographers to actually understand a little bit more about the photo mechanical print process, and there were very few photographers who understood both, both sides of the fence. So I spent a lot of time being a pom pom girl. Basically Mike. I was, I was, I was waving the pom poms and preaching large about the benefits of digital image capture and how and educating the industries, various in photographic industries, about, you know, possible best practices. There weren't any sort of standards in place at the time,   Michael Hingson ** 29:41 and it took a while for people to really buy into that they weren't visionary enough to understand what you were saying. I bet   Gee Ranasinha ** 29:48 Well, we were also taught very few were enough, and there were two reasons. One of them was financially based, because. We were talking about a ton of money, yeah, to do this properly, we were talking about a ton of money. Just the image capture system would easily cost you 50 grand. And this, you know this, this was in the days when 50 grand was a lot of money,   Michael Hingson ** 30:18 yeah, well, I remember my first jobs out of college were working with Ray Kurzweil, who developed Omni font, optical character recognition system. Oh, my goodness me, I did not know that. And the first machine that he put out for general use, called the Kurzweil data entry machine, was only $125,000 it worked. It still took a while to make it to truly do what it needed to do, but still it was. It was the first machine, and a lot of people just didn't buy into it. It took a while to get people to see the value of why digitizing printed material was so relevant, some lawyers, Some law firms, some banks and so on, caught on, and as people realized what it would do, then they got interested. But yeah, it was very expensive,   Gee Ranasinha ** 31:14 very expensive. And I think the other reason for the reticence is just nature, to be honest. Mike, I mean, you know, as as people, as human beings, most of us are averse to change, right? Because change is an unknown, and we don't like unknowns. We like predictability. We like knowing that when we get up in the morning, the sun's gonna come up and we're gonna go through our our usual routine, and so when something comes along that up ends the status quo to the point where we need to come up with adopting new behaviors that's very uncomfortable for many people. And you know, the adoption of digitization in, you know, any industry, I think, in everybody who's worked in any particular industry has has plenty of anecdotal evidence to show how people would consciously or unconsciously dragging their feet to adopt that change because they were happier doing stuff that they knew,   Michael Hingson ** 32:32 who went out of their comfort zone, right?   Gee Ranasinha ** 32:35 Absolutely, it's natural, it's, it's, it's who we are as as as human beings, who most of us are as human beings with, obviously, we're talking about the middle of the bell curve here. I mean, there are plenty of wackos on either side just go out and do stuff, right? And, you know those, you know, some of those get, you know, locked up with in straight jackets. But the other ones tend to, sort of, you know, create true innovation and push things forward.   Michael Hingson ** 33:04 Steve Jobs, even Mark Zuckerberg, Bill Gates, good examples of some of the people who did things that most people didn't think could be done.   Gee Ranasinha ** 33:18 You know, the true innovation always happens at the periphery, but we tend to over emphasize the median. We know we try to make averages of everything, yeah, but averages aren't what moves the needle, right? No. And you know Britain, you know, for even for marketing, obviously, that's very much, very, very much my sort of thing. Um, most organizations, most business owners, certainly most marketing managers, find comfort in in executing their marketing in ways in which they are comfortable, in ways which are somewhat expected within the industry. But the problem is, it doesn't get you noticed. It doesn't get you attention. If you're in the middle, right? You know the worst, the worst place to walk on the in the street is in the middle of the road right, pick a side, but don't walk in the middle.   34:27 Not a good idea yet.   Gee Ranasinha ** 34:30 That's our our job is to is to, number one, generate attention, because there's no way we can communicate a message unless we have someone's attention. Everything starts from the attention side of things. Now there are very, you know, various ways that we can attract attention, but attention needs to come and needs to come from somewhere. And you know the definite. Of creating attention is to to create some kind of visual, audio, or combination of the two, experience which is somewhat outside of the norm, and create some kind of emotional response that our brains want to pay attention to, right? Want to notice? Because if you're not noticed, then there's no it doesn't matter how great your product is, doesn't matter how wonderful your customer service is, or it's available in 27 colors, or it's free delivery, or what you know, all the rest of it doesn't matter, because you know, unless people know who you are, what you do, who it's for, and why they should give a crap, then you know anything else you do after that Time is is moot, is irrelevant.   Michael Hingson ** 36:00 I read an interesting email this morning from someone who was talking about why speakers don't tend to be as successful as they should be. And this person talked about you could have the greatest speech in the world. You could be   Michael Hingson ** 36:17 talking and getting standing ovations and so on, but you're not getting a lot of speaking engagements, and his comment was the reason you're not is that your talk isn't necessarily relevant. I thought that was interesting. I think there's some things to be said for relevance, but I think it's also that you're not helping to get people to think and realize that being different and getting people to think and value that is more important than we tend to want to recognize as well.   Gee Ranasinha ** 36:59 I would, I would, I would wholeheartedly agree relevance is a very important component. But, you know, I maintain that it starts with attention. Yeah, relevance, I think, within the speaking world, I yes, there's so much we can do with relevance by by coming at a subject matter topic from a totally different perspective. Yeah, right. You know, just because you have the same message as 100 other competitors doesn't mean they have to say something in the same way, right? And so even if the core message is similar, the way that we choose to present that can be, you know, 100 101 different ways. And I think that is something that we forget, and I think that's one of the reasons why so much of the marketing that we see today is ignored. Yeah, you know, there's a there's a marketing Well, I wouldn't say the marketing model. There's a communication model, okay? Sales model actually called Ada, Ida, a, I D, A, okay. So even if you've not, not worked in sales or marketing at all, if you've even seen the film Glengarry Glynn Ross, or the play that it was based on. It's actually playing in New York City at the moment. I believe, yeah, a, I D, A, which is tracking the customer experience in four steps. So the idea is you have awareness, interest, desire and action, right? A, I, D, A, and it's understanding that there are four steps to getting to the position of negotiating the deal with a prospective buyer, but number one starts with awareness. You know they need, they need to be aware that you exist and nobody's going to buy from you if they don't know who you are. They need to know who they need to know who you are before they'll buy from you. Right then obviously needs to be an interest a product market fit what you're selling is something that they could conceivably use in terms of solving a particular problem that they perceive as having the desire. Why should they buy from you, as opposed to somebody else? Why do they. Need to buy your product, as opposed to a competitive product, and then finally, action, right? So that's what we might call sales, activation or performance marketing, or, you know, sales in the old terms, right? As they would say in that film, it's getting the getting the buyer to sign on the line that is dotted. But all of this stuff starts with attention and when we're not doing a very good job, I think as a mark, as an industry, we used to be really good at it, but I think we've taken our eye off the ball somewhat, and hoped that technology would fill in the gaps of our incompetence at being able to, excuse me, being able to shape the way that we market to customers, to buyers, in ways which create the memory structures in the brain to a sufficiently acute level so that when they are in The position to buy something, they think of us, as well as probably a number a handful of other suitors that solve their problem. And this is why, I think this is the reason why, because of the over reliance of technology, I mean, this is the reason why so much of our marketing fails to generate interest, sales to generate the tangible business results that are expected of it. Because we're, we're marketing by bullet point. We're expecting buyers to buy off a fact sheet. We've, we've exercised the creativity out of the equation. And we're and, and we were just producing this vacuous, generic vanilla   Michael Hingson ** 42:12 musach, yeah, if you   Gee Ranasinha ** 42:14 like, Okay, I mean, again, you know, think of any particular industry, you can see this. It's pretty much endemic. You can have two totally different organizations selling something purportedly solving the same problem. And you can look at two pieces of you can look at a piece of marketing from each company. And if you covered up the logo of each person of each company's marketing output, 10 will get you five that what's actually contained in the messaging is as equally valid for company A as it is for Company B, and that's a real problem.   Michael Hingson ** 43:00 It's not getting anyone's attention or creating awareness.   Gee Ranasinha ** 43:03 It's not creating attention or awareness. And worse, it's creating a level of confusion in the buyer's mind. Because we're we're looking for comparisons, we're looking at a way to make an educated decision compared to something else, and if we can't see why product A is miles ahead in our minds of Company B or product B, what often happens is rather than make a wrong decision, because we can't clearly differentiate the pros and cons between the two products, what we end up doing is nothing. We walk away. We don't buy anything, because we can't see a clear winner, which impacts company A and company B, if not the entire industry. And then they turn around and say, Oh, well, nobody's buying. Why? Why? Why is our industry lagging behind so many others? It's because we're just on autopilot, creating this, this nonsense, this generic sea of sameness in terms of communication, which we just don't seem to have a grip on the fundamental understanding of how people buy stuff anymore. We used to Yeah, up and up and up until probably the 90s. We used to know all this stuff. We used to know how get people going, how to stand out, how to create differentiated messaging, how to understand. Or what levers we could pull to better invoke an emotional reaction in the minds of the target buying audience that we're looking to attract. And then for some for, you know the if we plotted these things around two curves, you know, the point at which these curves would cross would probably be the adoption of technology,   Michael Hingson ** 45:29 whereas we came to reproduce the same thing in different ways, but you're still producing the same thing. The technology has limited our imagination, and we don't use re imaginations the way we used to.   Gee Ranasinha ** 45:43 We we've we're using, we're using technology as a proxy for reach. And getting in front of 1000 eyeballs or a million eyeballs or 100 million eyeballs doesn't necessarily mean any of those eyeballs are fit in the ideal customer profile we're looking to attract. Right? More doesn't mean better, and what what we're doing is we're trying to use technology to to fill in the gaps, but technology doesn't understand stuff like human emotion, right, and buying drivers and contextual messaging, right? Because all of this stuff human behavior is totally contextual, right? I will, I will come up with a and I'm sure you're the same thing. You will have a particular point of view about something one day and the next, the very next day, or even the very next hour, you could have a totally different viewpoint on a particular topic, maybe because you've had more information, or just maybe for the for the hell of it, right? We know we are we are not logical, rational, pragmatic machines that always choose the best in inverted commas solution to our issue.   Michael Hingson ** 47:23 Do you think AI will help any of this?   Gee Ranasinha ** 47:29 I think AI will help in terms of the fact that it will show how little we know about human behavior, and so will force forward thinking, innovative marketers to understand the only thing that matters, which is what's going on between the ears of the people we're trying to attract. I think AI is already showing us what we don't know, not what we know,   Michael Hingson ** 48:04 right? And it's still going to be up to us to do something about that and use AI as a tool to help possibly create some of what needs to be done. But it still requires our thought processes ultimately, to make that happen,   Gee Ranasinha ** 48:23 AI can't create. All AI can do is remix what has already been in existence, right? Ai doesn't create what AI does. The thing is, we're using AI for the wrong stuff. AI is really good at a ton of things, and it sucks big time at a load of other things. But for some reason, we want to throw all our efforts in trying to make it better at the things it's not good at, rather than use it at the things that it's really, really good   Michael Hingson ** 49:04 at, such as,   Gee Ranasinha ** 49:08 such as interpreting large data sets, Creating models of financial models, marketing models, marketing matrix, matrices, spotting, spotting trends in data, large, huge, like huge models of data, which no human being could really, in reality, Make any head in the tail of finding underlying commonalities in in the data to be able to create from that, to be able to draw out real, useful insights on that data to create new. New messaging, innovative products, services that we haven't thought of before because we haven't been able to see the wood for the trees,   50:13 if you like, yeah, right   Gee Ranasinha ** 50:17 for that sort of stuff, for the grunt work, for the automation. You know, do this, then do this, and all of that sort of stuff, A, B, testing, programmatic stuff, all of that stuff, banner ads and, you know, modifying banner all of that stuff is just basic grunt work that nobody needs, needs to do, wants to do, right? Give it all to AI it. Most AI is doing it, most of it anyway. We just never called it AI. You know, we've been doing it for 25 years. We just called it software in those days, right? But it's the same. It's the same goddamn thing. Is what we were doing, right? Let it do all of that stuff, because it's far better. And let's focus on the stuff that it can't do. Let's find out about what levers we need to pull at an emotional level to create messaging that better resonates in the minds of our buyers. That's what we need to do. Ai can't do that stuff right.   Michael Hingson ** 51:16 Where I think AI is is helpful today, as opposed to just software in the past, is that it has been taught how better to interact with those who use it, to be able to take questions and do more with it, with them than it used to be able to do, but we still have to come up with the problems or the issues that we wanted to solve, and to do it right, we have to give it a fair amount of information which, which still means we've got to be deeply involved in the process.   Gee Ranasinha ** 51:53 I mean, where it's great. I mean, if we're looking at, you know, Text, type, work, right, right, or I, or ideas or possibilities, or actually understanding the wider consideration set of a particular problem is that the hardest thing is, when you're staring at a blank piece of paper, isn't it? Right? We don't need that's the hardest thing, right? So we don't need to stare at a blank sheet anymore with a flashing cursor, right? You know, we can engage in a pseudo conversation that we need to take into consideration that this conversation is taking place based upon previous, existing ideas. So the chance that we'll get something fresh and original is very, very small. And as you just mentioned, you know, the quality of the prompt is everything. Get the prompt wrong and without enough granularity, details, specificity, whatever else you get just a huge piece of crap, don't you? Right? So in other words, having a better understanding of how we as humans make decisions actually improves our prompting ability, right, right?   Michael Hingson ** 53:12 And I think AI, it is not creative, but I think that AI can spew is probably the wrong word, but AI can put out things that, if we think about it, will cause us to do the creating that we want, but it's still going to be assets involved in doing that.   Gee Ranasinha ** 53:35 The problem is, and what we're seeing, certainly in the last couple of months, maybe even longer, maybe I just haven't noticed. It is just we were, you know, there's this old saying, you know, just because you can doesn't mean you should, right? I just see an absolute tsunami of vacuous, generic nonsense being spouted out across all types of channels, digital and otherwise, but mainly digital, all of it AI generated. Sometimes it's images, sometimes it's videos, sometimes it's both, sometimes it's text, whatever. But we we're adding to the noise instead of adding to the signal. So the inevitable result of all of this is going to be numbness. We're going to becoming different to marketing of all sorts, the good stuff as well as the bad. You're going to be it's we're just gonna get numb. So it's going to make the attention stuff. That's why I've been banging on about attention all this time, right? It's gonna, it's, yeah, there's, see, there is a method to my madness here. So the the point is that creation and maintaining. Attention is going to be even harder than it would have been before. Yeah, and, and we, you know, we're getting to the point where, you know, you've got agentic AI, where you've got agents talking to other agents and going around in this feedback loop. But we're not, we're not, we're not creating any emotional engagement from a, from a from a buyer perspective, from a user perspective, yes, it all looks great. And as a, as an exercise in technology, it's fantastic. So wonderful, right? But how has it increased sales? That's what I want to know has has it reduced or altered the cost of acquiring a customer and maintaining that customer relationship, because that's where the rubber hits the road. That's all that matters. I don't care whether it's a technological masterpiece, right, but if it hasn't sold anything, and actual sales, I'm not talking about likes and comments and retweets and all of that crap, because that's vanity metrics. Is nonsense   Michael Hingson ** 56:11 signing a contract. It's, you know,   Gee Ranasinha ** 56:16 there needs to be as an exchange of money at some point in time. Yeah, right. Is that happening? And I contend that it's not. And I think there are loads of people, loads of business owners, who are throwing money at this in the vain hope they you know that basically they're playing the numbers. They just need one horse to come in, 100 to one to be able to justify what they've spent on all of this stuff, right? Yeah, but I think those odds are getting longer and longer as each month goes, yeah. Well, you I think there's going to be an inevitable backlash back to stuff that actually resonates with people at a human level, at an emotional level, a psychological level, it has to   Michael Hingson ** 57:08 you started your marketing company 17 and a half years ago, caxino. Where'd that name come from?   Gee Ranasinha ** 57:18 From nothing? Okay, it doesn't mean anything I needed. I needed to have something which number one, that the domain was available. Of course, I needed to have something which was short, something that didn't mean, you know, something incongruous in another language and and so after a lot of to ing and fro ing, there were two schools of thought. At the beginning, we didn't know whether to go with something abstract, like caxino or something which was, you know, based based upon the the butting up of two existing words you know, like you see, you know, so many times, you know, big red table, or, you know, whatever. So we did, we decided to go with something abstract, so that we weren't encumbered by language.   Michael Hingson ** 58:22 You practiced what you preach pretty much. You're different, yeah, but why don't you call it? You don't refer to it as a digital marketing agency. Why is that?   Gee Ranasinha ** 58:34 No, I don't see us as a digital marketing agency, because digital marketing is not all we do. And not only that, I think, Well, I think there's, there's a number of reasons. Number one, I think we're using the word digital is, is a curveball. Firstly, because everything that we do is digital, right? Everything is already digital. Print is digital, TV is digital, billboards are digital. So saying digital is like saying electrical, electrical marketing agency, it makes as much sense to be honest. So that's number one. But I think the bigger issue is that by categorizing a marketing agency as being a digital marketing agency does a disservice to its work and indeed its outlook, because The object is not to be digital in your marketing, it's to do marketing in a digital world, which are two very different positions, okay? Because digital, the way that we're talking about it, is not a attributive noun, and it's certainly not an adjective. You. In the context that we're talking about it, digital is a channel. It's simply one way of getting in front of our audience. But it's not the only way of getting in front of our audience. Okay? So, yeah, along with many other reputable agencies, we happen to use the most appropriate channel of communication that makes sense to address a particular target audience group, and that's it. Okay, if that's digital, great. If that's walking down the street with an A frame with something written on the front of it, that's also great, okay, but it's, it's, it's not about it's not about the channel. It's about you being in the places where our target target audience group expects us to be. And so that's why I don't think of us as a digital marketing agency, because digital is only part of what we do, right? And we do many other things. And also, I think it puts it, it puts blinkers on things right? Because if you know, supposing, supposing you go to a Facebook marketing agency, of which there are many. Now, if you go to a Facebook marketing agency and you say, Okay, I want to do some ads. Where should I advertise? What are they going to tell you? Right, maybe Facebook, right? So there's, there's a thing called Maslow's hammer. Okay, in Maslow, as in the hierarchy, the Hierarchy of Needs Maslow. Okay to say, Maslow. He came up with this idea of Maslow's hammer. It's also known as the law of the instrument. And basically what it means, we can distill it down, is, if all you have is a hammer, then everything looks like a nail, okay? And what that means is, you're looking to solve any problem that comes along by the tools that you have in your toolbox, regardless of whether that's the best way of moving forward, which I think is a very short term and myopic view. So that's why we we don't like to think of ourselves as the marketing agency, because there are many other there are many ways of solving a particular problem, and it doesn't necessarily have to be   Michael Hingson ** 1:02:50 digital,   Gee Ranasinha ** 1:02:51 digital or promotional or, you know, it's, it's like, you know, are we a video marketing agency? No. Does that mean we don't do video, not at all. Of course, we do it, right? We're not an AI marketing agency, right? In the same way, okay, when we're not a we're not a YouTube marketing agency,   Michael Hingson ** 1:03:11 you're a marketing agency. We're a marketing agency, right? What are some of the biggest mistakes that small businesses make when it comes to marketing?   Gee Ranasinha ** 1:03:21 I think the single biggest mistake, and I speak to business owners pretty much on a daily basis, right? I think the single biggest issue that comes up again and again and again is something which I call self diagnosis, which is the business owner, approaches the marketing agency, or even digital marketing agency, approaches the marketing agency, and says, You know what, I need you to do this for me. Whatever that this is, okay. So you know, maybe it's some digital ads, maybe it's some videos, maybe it's a website, maybe it's a whatever. It doesn't matter what it is, but basically, the business owner is coming to us, coming to the marketing agency, dictating what the tactic is to be, which presumes a number of things, not least, that they think they have come to the conclusion that this particular tactic is going to solve their marketing problem based upon usually waving a wet finger in the air, yeah, or they've seen a YouTube video or something, okay, it's not based on any marketing knowledge experience or education, because, with the greatest respect, these people do not have any marketing knowledge experience. Into education, right? And why would they? Because they're running a business, right? They don't, you know, they it doesn't mean that they've had to do this marketing stuff. So they're, they're, they're presuming that a particular tactic is going to solve a business problem, a marketing tactic is going to solve a business problem. And so what what happens is the the particular tactic is is executed. Nothing changes revenue wise. And so the business owner says, well, that marketing agency was crap. Let's go to another marketing agency and ask them to do something else. So it's playing pin the tail on the donkey. Really, just trying stuff and hoping so. The point is that. The point is that if you're going to pay somebody who does this for a living, the idea that you know more than they do is already setting the relationship on a uneven kill, right? Yeah, you know, if I, if I go, if I go and see my doctor, and I say, and I wake up in the morning and I've got a pain in my chest, and I thinking, oh my goodness, I go and see the doctor, right? So on the way to the doctor's office, I do the worst thing possible, which is go on the internet and say, Okay, what does pain in my chest mean? Right? And I go into the doctor's office, and I sit down and I say, Okay, I've got a pain in my chest, doctor, that means I've got angina. Can you give me some heart medication, please? What's the doctor gonna tell you? Doctor's gonna tell you, shut the hell up. Yeah, I'm the doctor in the office. I'm the actually, where's, Where's, where's your medical degree doesn't exist, does it? No, and   Michael Hingson ** 1:07:00 just because you have a broken rib, we're not going to talk about that. Are we right?   Gee Ranasinha ** 1:07:04 So, What? What? So what's the doctor going to do? The doctor is going to ask you a bunch of questions, right? What did you do the last couple of days? Right? What did you eat? Did you go to the gym and over exert yourself? What's your history? Do you is there a history of heart disease in the family, you know, maybe there's is going to he or she is going to take some blood, maybe they're going to run a few other sort of tests. They're going to do a diagnosis, and at the end of this diagnosis, the doctor is going to come back to you and say, You know what? So, based upon all the questions that you've kindly answered, and based upon the blood work and all these other tests and scans we've done, it turns out that the the pain in your chest is nothing to do with angina. The reason you got a pain in the chest is because you had some spicy food last night. So you don't have you don't have Anjali, you have gas. Yeah, right, right, so I prescribe you a couple of packs of Tums. Yeah, sorted, right. And that's the point. The point is the doctor knows what he or she is doing, and you have to have confidence in that particular medical practitioner to diagnose the issue and prescribe a solution to that issue, right? Your job is not to say what you think is wrong with you at this stage of the conversation. Your job is to tell me where it hurts. That's it right now, I'll come back to you with a list of things which I think we need to do to move forward. Now you can go and get a second opinion, just like at a doctor's office. You may think I'm full of crap, which is absolutely your prerogative. Or you may say, I know better than you. I'm going to do my own thing, which, again, it's your time Absolutely. But if it all goes to crap, you can't turn around and say, well, if only this person had said this, or, you know, If only, if only, if only, and play the victim, because that's also just not going to wash. And I see this time and time and time again. You know, we've tried, well, we've tried a number of different agencies, and none of them have been able to help us. And then you sort of dig a bit deeper, and it's because they're never allowed to do what they're supposed to do, because they've always been second guessed. Yeah, that is probably the single biggest issue that I see coming up again and again and again with small business in market now, if and if it's a question of not having faith in that. Uh, agency, then you shouldn't have been employed. You shouldn't have that agency in the first place.   Michael Hingson ** 1:10:05 Get a second opinion.   Gee Ranasinha ** 1:10:07 You know, not all, not all agencies are great, just like not all plumbers are great. Not all mechanics are great. Same thing, right? It takes time to find the good ones, right? Um, but just because you found a bad one, because I don't know they were cheap, or they were local, or they were whatever, you know, whatever, whatever criteria you tend to use to base your decision upon, right? You can't, you can't criticize what they did if you didn't allow them to do what they were actually being paid to do.   Michael Hingson ** 1:10:47 Well, speaking of that, if people want to reach out to you, how do they do that?   Gee Ranasinha ** 1:10:53 Best way to get hold of me. Gee is on LinkedIn. I spend most of my time on LinkedIn. I post twice a week. I post videos about some of the sorts of things that we've been talking about today, and they're only sort of 60 seconds long, 90 seconds long. It's not sort of taking up anybody's time very much. You can find me there. Would you believe, Mike, there is only 1g runner scene on LinkedIn. Can you imagine fortuitous? How fortuitous is   Michael Hingson ** 1:11:27 that? Yeah, really, and G is spelled G, E, and how do you spell your last name?   Gee Ranasinha ** 1:11:33 You could eat. I'm sure all of this still, the stuff will be put in. It will, but I just figured it we could. But yeah. G, renasina, you can find me there. Otherwise, obviously you can find us on Kexino, k, e, X, I, N, o.com, which is the website, and there's plenty of information there textual information, there are videos, there are articles, there are all sorts of bits and pieces that you can find more about us   Michael Hingson ** 1:12:04 there. Well, this has been absolutely wonderful, and I really appreciate you taking more than an hour to chat with us today. And I hope this was fun, and I hope that people will appreciate it and will reach out to you and value what we've discussed. I think it's been great love to hear from all of you out there. Please feel free to email me. Michael H, i@accessibe.com so that's m, I, C, H, A, E, L, H, I at A, C, C, E, S, S, i, b, e.com, and love to hear from you wherever you're listening. Please give us a five star rating. We value those ratings very highly, and we'd love to to to hear and see you rate us and get your thoughts. If you know of anyone else who might be a good guest for unstoppable mindset. Gu as well, we'd sure appreciate your referring them to us. Introduce us. We're always looking for more people to to chat with, so please do that and again, gee, I just want to thank you one more time for being here. This has been great,   Gee Ranasinha ** 1:13:02 absolute pleasure, delighted to be invited.   Michael Hingson ** 1:13:10 You have been listening to the Unstoppable Mindset podcast. Thanks for dropping by. I hope that you'll join us again next week, and in future weeks for upcoming episodes. To subscribe to our podcast and to learn about upcoming episodes, please visit www dot Michael hingson.com slash podcast. Michael Hingson is spelled m i c h a e l h i n g s o n. While you're on the site., please use the form there to recommend people who we ought to interview in upcoming editions of the show. And also, we ask you and urge you to invite your friends to join us in the future. If you know of any one or any organization needing a speaker for an event, please email me at speaker at Michael hingson.com. I appreciate it very much. To learn more about the concept of blinded by fear, please visit www dot Michael hingson.com forward slash blinded by fear and while you're there, feel free to pick up a copy of my free eBook entitled blinded by fear. The unstoppable mindset podcast is provided by access cast an initiative of accessiBe and is sponsored by accessiBe. Please visit www.accessibe.com . AccessiBe is spelled a c c e s s i b e. There you can learn all about how you can make your website inclusive for all persons with disabilities and how you can help make the internet fully inclusive by 2025. Thanks again for Listening. Please come back and visit us again next week.

From streamlining complex onboarding flows to surfacing the right information at the right time, design thinking encourages product design teams to bring empathy and intentionality into every layer of product development, creating experiences that are intuitive, responsive, and centered around real human needs. Temenos is leading the charge to bring that mindset back to banking innovation, with Erik Johnson, Head of Product Design, at the helm. For Johnson, creativity and collaboration go hand in hand with functionality. On this episode of the Tearsheet podcast, Johnson talks about structuring his design team in a “centralized, hybrid” model, solving design challenges with data and empathy, and how Temenos' Innovation Hub in Orlando is structured to be a “we space” for exploring and co-creating new banking products.

In this episode of Tank Talks, host Matt Cohen sits down with Nejeed Kassam, a serial founder, investor, and advocate for positive change. With a journey that spans from launching his first business as a teenager to scaling and selling Keela, a CRM for nonprofits, Nejeed's experience offers valuable insights for entrepreneurs, especially those navigating the challenges of building tech-driven impact companies.Nejeed shares his entrepreneurial beginnings, the lessons he learned growing Keela, and the challenges he faced when taking on external funding. He also discusses his new venture, Rewire Digital Therapeutics, an AI-powered mental health company using gamification to help users manage depression and anxiety.From scaling Keela to navigating a successful exit, Nejeed dives into his journey and the key principles he follows in his entrepreneurial endeavors. Whether you're interested in nonprofit tech, mental health, or financial literacy, Nejeed's story provides inspiration and practical wisdom.A Quick Word from our Sponsor, FaskenAt Fasken, our clients don't wait for the future. They build it. As the first and largest dedicated emerging tech practice in Canada, our team is composed of founders, ex in-house counsel, developers and business advisors who have guided clients from startup, to scale-up, to exit. The trust of our clients has enabled us to consistently rank at the top of every major Canadian M&A, Capital Markets and Venture Capital league table. With deep industry knowledge and experience across all areas of emerging and high growth technology including ClimateTech, MedTech, Artificial Intelligence, Fintech, and AgTech we're your partners within the innovation ecosystem as you transform the landscape of what's possible.Tomorrow starts here. Own it with us.For more information, visit fasken.com/emergingtech and follow us on LinkedIn.Nejeed's Early Entrepreneurial Beginnings (08:12)* Starting a business at 14 with his brothers in Vancouver* Learning from early failures and the importance of sales in businessScaling Keela and the Path to Acquisition (15:17)* The journey from building Keela as a side hustle to scaling it into a successful company* The decision-making process behind bringing in external capital and navigating an exit* Insights on the acquisition process and private equity rollupsRewire Digital Therapeutics: Tackling Mental Health with AI (25:34)* How Nejeed's personal experiences with mental health drove him to create Rewire* Leveraging AI and gamification to address mental health issues like depression and anxiety* The future of digital therapeutics and its potential to impact millionsFinancial Literacy: Teaching Kids Money Management (35:11)* How Nejeed teaches his kids about financial literacy* Building the financial literacy platform, Snowball 72, and its impact on Gen Z and Gen Alpha* The importance of creating safe, accessible financial learning environmentsNejeed's Lessons on Building Impactful Businesses (45:23)* The importance of staying committed to solving meaningful problems* Building businesses that balance profit with positive societal impact* The role of resilience and discomfort in entrepreneurshipAbout Nejeed KassamNejeed Kassam is a serial entrepreneur, author, and advocate for positive change. He co-founded Keela, a CRM for nonprofits, which he successfully scaled and sold in 2024. He is now co-founder of Rewire Digital Therapeutics, a company focused on using AI and gamification to help people manage mental health issues like depression and anxiety. In addition to his work in tech, Nejeed is passionate about financial literacy and has launched Snowball 72, a platform aimed at teaching the next generation about money management. Nejeed's entrepreneurial spirit is driven by his desire to solve real-world problems and make a meaningful impact on society.Connect with Nejeed Kassam on LinkedIn: https://www.linkedin.com/in/nejeed/Visit the Keela website: https://www.keela.co/Visit the Rewire Digital Therapeutics website: https://rewiredigitaltherapeutics.com/Connect 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

Dive into the transformative world of B2B payments with Brandon Spear, CEO of TreviPay, as he reveals how their platform is revolutionizing trade credit for businesses worldwide. Operating across 32 countries and primarily serving enterprise clients, TreviPay has created a comprehensive solution that manages the entire order-to-cash cycle - from credit applications and underwriting to invoice generation, collections, and cash application.What sets TreviPay apart? Their global underwriting platform delivers real-time credit decisions while combating sophisticated fraud schemes that have become increasingly convincing in the AI era. By generating invoices on behalf of merchants, they enable powerful data management capabilities that solve industry-specific challenges. For automotive manufacturers, this means enforcing contract pricing across dealership networks, reducing pricing errors from one-in-three to approximately one-in-thousand. For businesses expanding internationally, it eliminates the complexity of producing tax-compliant invoices across diverse jurisdictions.The pandemic marked a turning point for B2B payments, exposing the vulnerabilities of manual processes when employees couldn't be in the office. Rising interest rates further accelerated adoption as working capital became more expensive, pushing companies to optimize receivables management. These market shifts have positioned TreviPay for explosive growth - they estimate a $20 billion revenue opportunity emerging in their target markets over the next 5-7 years.Perhaps most importantly, Brandon emphasizes that payment experiences directly impact customer loyalty: "Experience loyalty is becoming more important than brand loyalty." Businesses that offer accurate invoices and flexible payment options capture a larger share of wallet - a powerful reminder that even the most technical aspects of payments ultimately come down to creating exceptional customer experiences.

Our second wave of FinovateFall coverage includes interviews with the founders of Gentreo and Wysh- two young firms aiming to preserve member deposits across life cycles- as well as Veep Software, which delivers early wage access alongside financial education through the FI channel. Also- Glen reveals his Best of Show ballot, and touches on the startling plot twists with Plaid, Chase and open banking (spoilers entirely warranted).        Links related to this episode:   Wysh: https://www.wysh.com/    Gentreo: https://www.gentreo.com/    Veep Software: https://veepsoftware.io/    Veep's post-interview announcement of its partnership with financial education content provider nudge: https://www.financialcontent.com/article/getnews-2025-9-17-veep-launches-ewa-20-and-announces-first-global-partnership-with-nudge    Videos of all 63 FinovateFall demos: https://finovate.com//videos/?filtertype=&showtypes=FinovateFall&videostartyear=2025&showletters=A-Z    FinovareFall's Best of Show Winners: https://finovate.com/finovatefall-2025-best-of-show-winners-announced/    Alex Johnson's Fintech Take on the Prisoner's Dilemma aspect of JPMC, Plaid, and open banking: https://fintechtakes.com/      Follow us on LinkedIn:  https://www.linkedin.com/company/best-innovation-group/   https://www.linkedin.com/in/jbfintech/  https://www.linkedin.com/in/glensarvady/

On this episode of the Scouting For Growth podcast, Sabine VdL talks to Will Ross, Co-Founder & CEO of Federato, and if you're an underwriting transformation leader—drowning in Excel, stale pilots, and disconnected data sources—this episode is for you. Will Ross isn't here to sell you hype. He's here to show what it looks like when AI actually delivers: faster quotes, better decisions, happier underwriters, and measurable results before the next board meeting. KEY TAKEAWAYS Thinking back to when Amazon released the Echo with Alexa and a bunch of us bought them and took them apart to figure out how it worked reminds me of how Wild West the early days of AI was a decade and a half ago. Now any undergraduate student taking computer science will have some exposure to AI. One of the first things they might learn is how to do simple tasks like that on very little computational resource. I love jumping into our products like that to understand how they work. Break down what AI means: There's an idea of intelligence or grasping a concept or knowledge, then there's artificial – doing something in place of a human. You can take it a step further and look at ‘generative' – generating a thing, or predictive – predicting a thing, agentic – giving it agency and allowing it to complete a task.  What is it that humans do today and, theoretically, what could humans do if they had unlimited time to do their jobs? For underwriters, the process is similar across many line of business: you analyse an exposure, loss history and loss control to come up with a rate perspective, etc. Where can AI systems interact with that process? BEST MOMENTS ‘One of the things I think is really scary with AI today is its perpetuation of news cycles and how fast it spreads.'  ‘No matter how sceptical people are, the vast majority of people are already using these technologies to do their jobs. By bringing them into the room, making them aware of what this technology does, and letting the interact with it, that's a powerful thing.' ‘There are going to be jobs that change, but we shouldn't think about it as AI replacing our jobs, we should think about it as someone using AI to do our job who will replace us.' ‘What we call AI today will change and change again because it always has; Deep Blue used to be called AI and is now called a chess simulator.' ABOUT THE GUESTS William Ross is a product and operations leader obsessed with solving the toughest problems in insurance with a mix of pragmatism, speed, and machine learning. As a core member of the Federato leadership team, Will focuses on one mission: turning underwriting from a slow, manual grind into a dynamic, data-driven advantage. At Federato, Will is helping specialty and commercial carriers build resilience and growth into their underwriting operations, showing chief underwriting and transformation officers that AI doesn't need to be another failed pilot—it can be the competitive edge that secures market share today. LinkedIn ABOUT THE HOST Sabine is a corporate strategist turned entrepreneur. She is the CEO and Managing Partner of Alchemy Crew a venture lab that accelerates the curation, validation, & commercialization of new tech business models. Sabine is renowned within the insurance sector for building some of the most renowned tech startup accelerators around the world working with over 30 corporate insurers, accelerated over 100 startup ventures. Sabine is the co-editor of the bestseller The INSURTECH Book, a top 50 Women in Tech, a FinTech and InsurTech Influencer, an investor & multi-award winner. Twitter LinkedIn Instagram Facebook  TikTok Email Website This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Are accounting firms quietly having their best year ever? Blake and David break down why revenues and partner comp are rising—despite AI anxiety—and what it means for pricing and staffing. They unpack Gusto Money's Melio-powered bill pay, Relay's $1B milestone, Drake's new workflow, and AI tools that actually help (note-takers, agents, research). Plus: Trump's biannual reporting idea, peer review for PE-backed firms, BOI reversal, and the messy ‘no tax on tips' proposal.SponsorsOnPay - http://accountingpodcast.promo/onpay TeamUp - http://accountingpodcast.promo/teamupBluebook - http://accountingpodcast.promo/bluebookChapters(00:00) - Introduction and Revenue Insights (00:43) - Welcome to the Accounting Podcast (01:00) - Gusto Showcase Event Highlights (04:18) - The Importance of Long-Term Relationships in FinTech (08:58) - Advisory Amplified Tour Announcement (11:06) - AI in Accounting: Honest Reflections from a Tech Founder (16:48) - AI Meeting Assistants for Accounting Firms (21:03) - Comparing AI Tools: Blue Jay vs. ChatGPT (29:43) - Accounting Firms' Revenue and Compensation Growth (31:12) - Rising Costs and Accounting Firm Strategies (32:25) - NASBA's New Mobile App for CPA Exam Candidates (33:50) - Drake Software's Workflow Automation Launch (37:13) - AI in the Workplace: Surveys and Trends (41:16) - Fiverr's Shift to AI and Layoffs (44:09) - Trump's Proposal on Financial Reporting (50:01) - Private Equity and Peer Review Oversight (52:28) - Tax-Free Tips and Proposed Regulations (54:13) - AICPA and NASBA's Earn and Learn Program Shutdown (55:20) - Conclusion and Listener Engagement  Show NotesCPA Firms Report Steady Growth in Revenue and Profit, AICPA Research Finds https://www.aicpa-cima.com/news/article/cpa-firms-report-steady-growth-in-revenue-and-profit-aicpa-research-findsVinyl Raises $2M to Build the Future of AI Meeting Assistants for Accountantshttps://www.usevinyl.com/insights/blog/vinyl-seed-funding-announcementDrake Software Unveils Powerful New Tax Workflow Automation Toolshttps://www.prnewswire.com/news-releases/drake-software-unveils-powerful-new-tax-workflow-automation-tools-302558230.htmlNASBA Releases CPA Mobile App for Future CPAs https://www.accountingtoday.com/news/nasba-releases-cpa-mobile-appAICPA Seeks Comment on Peer Review Proposal for Firms with Private Equity Backinghttps://www.cpapracticeadvisor.com/2025/09/16/aicpa-seeks-comment-on-peer-review-proposal-for-firms-with-private-equity-backing/169014/Need CPE?Get CPE for listening to podcasts with Earmark: https://earmarkcpe.comSubscribe to the Earmark Podcast: https://podcast.earmarkcpe.comGet in TouchThanks for listening and the great reviews! We appreciate you! Follow and tweet @BlakeTOliver and @DavidLeary. Find us on Facebook and Instagram. If you like what you hear, please do us a favor and write a review on Apple Podcasts or Podchaser. Call us and leave a voicemail; maybe we'll play it on the show. DIAL (202) 695-1040.SponsorshipsAre you interested in sponsoring The Accounting Podcast? For details, read the prospectus.Need Accounting Conference Info? Check out our new website - accountingconferences.comLimited edition shirts, stickers, and other necessitiesTeePublic Store: http://cloudacctpod.link/merchSubscribeApple Podcasts: http://cloudacctpod.link/ApplePodcastsYouTube: https://www.youtube.com/@TheAccountingPodcastSpotify: http://cloudacctpod.link/SpotifyPodchaser: http://cloudacctpod.link/podchaserStitcher: http://cloudacctpod.link/StitcherOvercast: http://cloudacctpod.link/OvercastClassifiedsWant to get the word out about your newsletter, webinar, party, Facebook group, podcast, e-book, job posting, or that fancy Excel macro you just created? Let the listeners of The Accounting Podcast know by running a classified ad. Go here to create your classified ad: https://cloudacctpod.link/RunClassifiedAdTranscriptsThe full transcript for this episode is available by clicking on the Transcript tab at the top of this page

In this episode, Bryan Derman welcomes two highly respected members of the investment community who represent the two sides of that business: Tim Chiodo, Managing Director and Lead Analyst for Payments, Processors and Fintech at the global investment bank UBS, and Chris Kim, a public and private market investor who leads payments and fintech activities for Capital International, one of Capital Group's three equity units. Tune in as we discuss what's happening in the market with publicly traded companies, digital wallets, the merchant acquiring space, and private equity. We'll consider what investors look for in a payments company, explore new flows, and debate the impacts of regulation, stablecoins, and M&A deals before closing out the episode with an investment perspective lightning round.