Podcasts about fintech

David Zaring, Professor of Legal Studies and Business Ethics at the Wharton School, joins the show to explain the Federal Reserve's consideration of a “skinny” master account for nonbank financial firms. The conversation covers payment rails, regulatory oversight, competition with traditional banks, and the implications for community lenders and financial stability. They also examine potential litigation and legislative responses. Hosted on Acast. See acast.com/privacy for more information.

Jessica Ellerm and Kent Grogan are the co-founders of Themelia, a platform building the next infrastructure layer for crypto investment through custom indexing technology. Jessica comes from a fintech background — including a stint at ASX-listed payments platform Tyro and a superannuation startup she founded and sold — while Kent ran a hedge fund for years before moving into portfolio management and FinTech. Together, they're tackling one of the most underserved problems in digital assets: how do you get sensible, risk-adjusted exposure to a market of 52 million tokens without getting wrecked? Why you should listen Crypto has a reputation problem, and Kent and Jessica argue it's largely structural. Most tokens are created, pump briefly, and go to zero — which means a naive index that mirrors the full market is essentially a vehicle for buying failure at scale. The Themelia thesis is that an index needs to do better than that: not just collapse the market into something manageable, but actively filter for tokens with genuine staying power before they've already made their biggest moves. Kent draws a sharp analogy to equities — nobody in TradFi just buys one marquee stock and calls it a portfolio, yet that's essentially what most crypto investors do with Bitcoin. The pair make a compelling case that the infrastructure for smarter diversification is long overdue. The platform's most interesting innovation is the distinction between static and dynamic indexing. Jessica points out that most existing crypto index products — exchange bundles, early ETF attempts — don't move fast enough to keep pace with shifting narratives. Themelia's custom index builder lets users set their own filters, backtest against up to three years of historical data, then execute and auto-rebalance directly through connected exchange accounts like Coinbase, Binance, or Bybit. For those who don't want to build their own, the platform is evolving toward an "ensembling" model — aggregating the token picks of vetted crypto analysts into a curated house index that does the filtering work for you. The bigger picture is a genuine gap in the market. Jessica notes that index products now capture the majority of capital flows in traditional finance — from retail investors all the way to pension funds — yet less than 0.1% of the total crypto market is currently invested through indexes. That's not just an opportunity for Themelia; it's an argument for why the space needs this infrastructure to mature. If the house index can demonstrate better risk-adjusted returns than simply holding Bitcoin, it could become the entry point that brings cautious, sideline-sitting investors into the market for the first time. Supporting links Themelia Themelia on X Andy on X Brave New Coin on X Brave New Coin If you enjoyed the show please subscribe to the Crypto Conversation and give us a 5-star rating and a positive review in whatever podcast app you are us

In this episode, Lex chats with Alex Gluchowski — Cofounder and CEO of Matter Labs, about the transformative impact of zero-knowledge proofs (ZK proofs) on blockchain scalability and privacy. They discuss Matter Labs' evolution, the development of zkSync, and how ZK proofs enable secure, private, and efficient blockchain transactions. The conversation explores enterprise adoption, regulatory shifts, and the potential for blockchain to revolutionize global finance by enabling privacy-preserving, interoperable networks anchored to Ethereum, ultimately highlighting the growing role of cryptography in advancing financial sovereignty and innovation. NOTABLE DISCUSSION POINTS: Incorruptibility is Blockchain's Core Value—Not Consensus: Consensus mechanisms solve network liveness without central operators, but the guarantee that your assets can't be spent without your permission comes from verification. Bitcoin's “don't trust, verify” mantra is literal: every node re-executes every transaction. Zero knowledge proofs achieve the same incorruptibility without requiring universal visibility—enabling both scale and privacy. The Regulatory Shift Has Unlocked an Entirely New Market: The post-Trump regulatory environment represents a “great divide” for crypto. Banks and enterprises that previously couldn't engage are now actively piloting blockchain infrastructure. Matter Labs is working with Deutsche Bank, UBS, and 35+ global financial institutions through initiatives like Presidio Breakthrough. The focus has shifted from building systems to withstand regulatory hostility to integrating crypto into real business processes. Private Enterprise Chains Settling on Ethereum is the Institutional Path: Banks experimented with consortium blockchains (Hyperledger, Corda, R3) for years but failed due to privacy concerns—participants could see each other's transactions. Zero knowledge proofs solve this by enabling private chains that interoperate trustlessly through Ethereum as a shared settlement layer. Each institution maintains sovereignty over its operations while gaining cryptographic guarantees when transacting with counterparties. TOPICS Matter Labs, zkSync, Ethereum, Consensys, Hyperledger, Arbitrum, Optimism, fintech, blockchain, zero-knowledge proofs, ZK proofs, privacy, institutional adoption, scalability, cryptography, interoperability   ABOUT THE FINTECH BLUEPRINT

Michael Feldman is the former CEO and Co-Founder of Choice New York Companies, a group of firms providing property management, building staffing, and brokerage services to medium and large residential buildings across New York City. He built the company from zero revenue to roughly $27M in revenue and $5.1M in EBITDA before selling the business to Associa Corp. in 2021. Today, Michael remains active in the real estate industry as a real estate and tech investor and advisor, bringing decades of operational experience building and scaling service platforms in the New York multifamily market and beyond.(01:17) - From Hollywood to New York Real Estate(03:35) - How PM Models Evolved(04:50) - Decision to Exit in 2021(05:59) - Why Few New Entrants & Barriers to Entry(09:49) - AI Use Cases in Property Management(12:00) - Feature: Blueprint: The Future of Real Estate 2026 in Vegas on Sep. 22-24(12:51) - 'War' Stories(16:05) - M&A & Industry Consolidation(20:51) - Collaboration Superpower: Winston Churchill

What actually breaks when a fintech expands to the U.S. — product, licensing, hiring, or assumptions?In this episode, host Reggie Young sits down with Andy Kampf, Partner at Klaros Group and former Klarna US legal lead, to unpack the real framework behind cross-border fintech expansion. Andy breaks down the four pillars every foreign fintech must get right — product, bank partnerships, hiring, and budget — and the hidden pitfalls that derail U.S. launches. From misconceptions about European e-money licenses to choosing the wrong bank partner, Andy shares practical insights drawn from advising global fintechs entering the U.S. The conversation also dives into cultural underwriting differences, lessons from Klarna's speed-first model, and what Europe's proposed “28th regime” could mean for startup migration and capital flow. A must-listen for fintech leaders thinking seriously about international expansion.

Payments is full of noise: legacy processors, vendor sprawl, duplicate onboarding, and merchants who just want their money faster. We cut through it by showing a pragmatic path from point products to a unified embedded finance stack that actually scales. With Jaris founder and CEO Chris Aristides and VP of Platform Partnerships Matt Thomas, we unpack why “foundation first” beats bolt-on every time and how to make it work across multiprocessor portfolios without ripping out your core.We start with the playbook behind winners like Square and Stripe: remove complexity, unify the experience, and make multi-product adoption effortless. Then we translate that into the realities of processors and ISOs. Chris explains the banking backbone - independent RTN, sponsor bank alignment, and vertically integrated ledgers—that makes settlement reliable and compliant. Matt breaks down managed settlement as the key unlock: a dynamic funding layer that normalizes Fiserv, TSYS, Worldpay, and Elavon flows, enabling split settlement, instant payouts, and automated loan repayment without custom builds for each backend.From there we stack the products merchants actually use. Lending remains a high-margin anchor with powerful retention, while instant payouts reach a far larger share of the base with a clean pay-as-you-use model that works on weekends and holidays. High-yield savings ties it together for cash management, all delivered through one onboarding, one golden merchant record, and a white-labeled UI that honors sub-ISO relationships and trust. The result is tangible: fewer forms, faster activation, clearer visibility for ops, and a material lift in retention and revenue.If you lead partnerships, product, or operations at a processor or ISO, this conversation gives you a concrete framework to touch the other 95 percent of your merchants, modernize onboarding, and launch new revenue lines through a single integration. Subscribe, share this episode with your team, and leave a review to tell us which product you'd launch first.

In this episode, filmmaker-turned-brand strategist Jake Isham breaks down what authentic storytelling really looks like in business. Jake has worked with over 150 entrepreneurs and brands, including Grant Cardone, Callaway, and 511 Tactical, creating content that's generated over 1 billion views.He shares practical frameworks for translating product features into compelling narratives, why consistency beats perfection every time, and how founders can overcome the fear of being the face of their brand. If you're ready to stop chasing attention and start earning trust through story-driven content, this episode delivers a human-centered approach to building brand authority.Key Takeaways[3:02] - The Trust Formula: People do business with people they know and trust. "Know" is just attention—they need to know you exist. "Trust" comes from showing you understand their problem, can solve it, and have proof you've solved it for others.[4:57] - Features to Benefits: Don't communicate what the feature is—communicate the pain it solves. Look at the "why" behind feature requests in customer comments.[7:10] - Everyone Sucks at First: Being on camera is just a skill that can be learned, like coding. Start with internal videos, get on other people's podcasts, and practice in low-stakes environments.[8:46] - Build Your Personal Brand: Founders like Elon Musk demonstrate that personal brands transfer from company to company. Most SaaS founders don't stay at one company—building that personal brand allows your audience to follow you.[11:45] - Consistency is the Biggest Killer: The biggest problem isn't doing anything wrong—it's being inconsistent or not starting at all. The voice saying "you suck" is usually your own, not others.[13:53] - Commit to 50: Jeff shares his strategy of committing to 50 episodes before deciding whether to continue—pushing past the discomfort to over 380 episodes.[14:26] - Batch Your Content: You can spend half a day per month and get all your content for that month. It doesn't have to be time-intensive if built correctly.[16:38] - Pre-Production is Key: The biggest growth from 1% improvements comes from pre-production—better questions, better guests, better thumbnails, better titles.[19:48] - Just Show Up: Like going to the gym, you just need to show up consistently. Even 20-30 minutes of pushing weight regularly will yield results.[20:06] - Two Years of Daily Content: Jake's brother posted multiple videos daily for two years before one video got 3 million views in 48 hours—proof that consistency compounds.[22:08] - The Dog Video Problem: Jake's dog video got 10 million views and gained him 180,000 followers—but they wanted dog content, not his actual business content. Make sure content aligns with what you want to be known for.[22:49] - Stay in Your Lane: Your SaaS solves one problem—your videos should address that one thing. Don't talk about unrelated topics just because they might go viral.[24:25] - Interest-Based Content Strategy: Start with what you're willing to do consistently. If you hate writing, don't start a blog. If you love podcasts, start there.[27:27] - Long-Form Leverage: Long-form video content is the king right now—easiest mass appeal, can be posted across multiple platforms with no extra work, and can be cut into vertical shorts.[28:30] - You Can't Oversaturate: People who will buy from you will consume content like candy. Those who complain about over-posting aren't your customers anyway.[28:47] - Present the Pain Point Early: Your audience needs to know immediately that your content is relevant to their problem—especially for long-form content where they're investing 10-60+ minutes.[33:42] - Never Add a CTA: A health influencer with 15 million subscribers shared that he's never put a call-to-action for his products and makes "an obscene amount of money"—when he does add CTAs, people actually stop buying.[38:22] - AI is Just a Tool: AI is a tool like the internet or digital cameras. Creativity and imagination are uniquely human—AI learns from people but can't create futures or "the new thing."[40:33] - Build a Feedback Group: Create a small group of peers at similar skill levels to critique each other's content with love. Beta test your content like you would your SaaS.[42:39] - It's Annoyingly Simple: Success isn't about being clever—it's about doing the obvious basic things for long enough.Tweetable Quotes"People do business with people they know and trust. The 'know' is just attention. The 'trust' is showing you understand their problem and can solve it.""Being on camera is just a skill. We all suck at everything when we start. The only way to get good at it is to do it.""By building that personal brand, your audience grows with you as you move from company to company. Most SaaS founders don't live in just one SaaS.""The biggest mistake isn't doing anything wrong—it's being inconsistent or not starting at all.""Content is never perfect. It will be a life of 1% improvements. The same way your SaaS is never done.""Unless you sit there and start coding, the app will not be built. Content is the same—just start.""If this video goes viral and this is the thing I'm known for, am I okay with that? Make sure every piece of content relates to what you want people to know.""Your SaaS doesn't do six things. Your SaaS does one thing—solves one problem. Your videos should address that one thing.""You can't oversaturate your content. The people who will buy from you will consume it like candy.""I've never put a call to action to any of my products, and I make an obscene amount of money. When I do, I actually lose money." - 15M subscriber health influencer"AI learns from people. What only humans are capable of is creativity and imagination. AI will always just put pieces together, but humans create futures.""It's annoyingly simple. Success is not about being clever—it's about doing the obvious basic things for long enough."SaaS Leadership Lessons1. Translate Features into Customer Pain PointsStop listing what your product does. Instead, communicate the specific pain your customers experience and how your feature solves it. When customers request features, they usually tell you why in their comments—that "why" is your marketing message. Example: Instead of "our CRM has date fields," say "Do you struggle to track your first call, shoot date, and release date? Our CRM is built specifically for podcasters."2. Consistency Compounds More Than PerfectionShip your MVP. Release version 1.0. Start your podcast even if episode 1 isn't perfect. The biggest killer of content (and products) is inconsistency or never starting. Like building a SaaS, each iteration improves—but only if you ship. Jake's brother posted multiple videos daily for two years before one went viral with 3 million views. That's 730+ days of "failure" before breakthrough success.3. Build Personal Brand as Portable EquityYour personal brand is the asset that travels with you from company to company. Most SaaS founders build, sell, invest, repeat. Elon Musk's audience followed him from PayPal to Tesla to SpaceX. Being the face of your brand isn't about ego—it's about building transferable authority that multiplies the impact of your next venture.4. Batch Production Eliminates ExcusesFounders are busy, but you can create a month's content in half a day with proper batching. Record 4 podcast episodes in one session. Shoot 20 short-form videos at once. Build content creation into your operating system the same way you build product development sprints. Once it's part of the machine, time stops being the limiting factor.5. Pre-Production Drives 1% GainsThe biggest improvements come before you hit record: better questions, better guest selection, better titles, better thumbnails. Spend 30 minutes thinking through titles instead of 5 minutes. Survey 30 options. This is your "version 10" optimization—but start with version 1. Don't let pre-production planning become a procrastination tool.6. Content-Market Fit Mirrors Product-Market FitIf a video about your dog goes viral and gains 180K followers, but you're building B2B SaaS—you've built the wrong audience. Every piece of content should align with what you want to be known for. If you're building FinTech, talk about the financial space. If you're building for podcasters, talk about podcasting problems. Your content strategy should have the same focus as your product strategy: solve one problem for one audience.Guest Resourcesjake@jakeisham.comhttps://digitalshow.creativemindsofficial.com/https://www.linkedin.com/in/jakeisham/https://instagram.com/JakecreativemarketingEpisode SponsorThe...

In this episode, Tyler and Sterling sit down with David Haber from a16z. David shares many important insights and tactics for both investors and operators, as well as his groundbreaking idea on the concept of "Firm over Fund".He also explains how he got started with a16z, what their focus is in 2026, as well as his involvement in the early stages with some of Silicon Valley's biggest startups. This episode is packed with valuable insights for anyone working in the startup world.--Chapters:(00:00:00) Intro(00:01:22) David Haber's Evolution in Venture Capital(00:11:47) From Tacos to Fintech(00:15:18) Lessons Learned in the Fintech Industry(00:19:03) How to Build a Lasting VC Firm(00:19:45) The Idea of Firm Over Fund(00:26:06) What a16z Does To Win Big(00:29:52) Where a16z puts their focus(00:38:06) Some of David's Favorite Investors and Operators--Subscribe for more investor/operator focused content.Check out a16z: https://a16z.com/This podcast was brought to you by PELION. Learn more about them here: https://pelionvc.com

For years, companies that needed to move money at scale faced the same frustrating tradeoff: build their own bank integrations and compliance infrastructure — a process that could take months — or stitch together a patchwork of specialized vendors, each covering a different rail. Modern Treasury has spent years sitting inside that problem, providing software infrastructure to help companies integrate with their banks, track funds, and manage ledgering at scale. Now, the founders have taken the company a significant step further, launching Payments, an integrated PSP that handles onboarding, KYB, and banking infrastructure on a client's behalf, compressing what used to be a six-month setup into days. Stablecoins are built in natively from day one, powered by Modern Treasury's acquisition of Beam, a stablecoin infrastructure company founded by Dan Mottice, who previously led crypto products at Visa and now heads stablecoin strategy at Modern Treasury. The result is what the company calls a "forever payments platform," designed to let companies start with fiat or stablecoin payments quickly with a single integration and expand over time, without the painful migrations that have historically defined scaling a payments stack. Listen to the podcast to learn about how Modern Treasury is thinking about fiat rails and stablecoins as complementary infrastructure, how the Beam acquisition shaped the new product, and why President Dimitri Dadiomov and Mottice believe the most significant near-term stablecoin opportunity lies in how companies manage working capital.

Fraud doesn't wait for your roadmap. We sat down with Jess Kirkpatrick, VP of Risk and Fraud at Worldpay now part of Global Payments, to unpack how platforms can move beyond checkbox KYC and build a living risk program that protects growth, strengthens brand trust, and prepares for Payfac readiness. With experience spanning community banking, 17 years at PayPal, and global risk leadership, Jess brings a clear, practical lens to what proactive actually looks like.We start by challenging the biggest myth in payments: set it and forget it. Jess outlines four risk vectors (identity, intent, business model, and financial stability) and shows why continuous monitoring across all four beats a one-time screen. She explains how shared liability works in embedded payments, why payment providers still own card brand and regulatory obligations, and how true partnerships pair education, tooling, and joint governance.From there, we go deep on good friction: enhanced onboarding for higher-risk profiles, step-up checks on unusual behavior, and periodic reviews that are framed as protection, not punishment. Jess shares how clear communication turns compliance into service, preventing the “why are you asking this now?” backlash that costs you trust and churn. To close, Jess gives three high-impact moves for this quarter: modernize KYC/KYB and tighten onboarding, ramp up ongoing monitoring with alerts for sudden shifts, and train frontline teams while explaining controls to merchants. Measure success beyond loss rates by tracking retention of your best merchants and brand health around trust and safety. 

This Fintech CEO Is A Pioneer In Helping People Buy Now & Pay LaterGuestCharlie Youakim CEO Executive Chairman SezzleCompany Sezzle (NASDAQ: SEZL)Website https://sezzle.com/Sezzle Bio: Sezzle is a fintech company empowering the next generation to shop smarter and build financial confidence. Its all-in-one app combines point-of-sale financing with tools that help users manage spending responsibly. Sezzle connects millions of consumers with a global network of merchants through a transparent, easy-to-use platform.Charlie Bio: Charlie Youakim is a tech entrepreneur who has founded two companies, including Passport Parking and Sezzle. He currently serves as co-founder and CEO of Sezzle, a leading Buy Now, Pay Later platform focused on responsible spending and financial empowerment. Under his leadership, Sezzle has experienced rapid growth, completed two stock listings, and built key strategic partnerships, all while maintaining a strong commitment to transparent financial products and a purpose-driven culture.

Au programme :Apple plonge dans l'entrée de gamme avec le MacBook NeoRoblox lance une fonctionnalité IA pour reformuler les paroles pas vraiment poliesGoogle change les règles du Play StoreLe reste de l'actualitéInfos :Animé par Patrick Beja (Bluesky, Instagram, Twitter, TikTok).Co-animé par Cédric Ingrand (Twitter et Bluesky).Produit par Patrick Beja (LinkedIn) et Fanny Cohen Moreau (LinkedIn).Musique libre de droit par Daniel BejaLe Rendez-vous Tech épisode 656 – Macbook Neo, le nouveau pari d'Apple – RDV TechLiens :---Liens :

Gm! In this episode we are joined by Tushar Jain, Shayon Sengupta and Spencer Applebaum from Multicoin Capital to discuss their updated crypto investment thesis, emphasizing blockchains as infrastructure for global financial markets. The conversation explores themes including stablecoin-driven fintech, DeFi integration with traditional apps, tokenized assets, credible neutrality in blockchains, venture opportunities, evolving crypto market cycles, and emerging application experimentation. Enjoy! -- Follow Lightspeed: ⁠https://twitter.com/Lightspeedpodhq⁠ Follow Multicoin: https://x.com/Multicoin Follow Shayon: https://x.com/shayonsengupta?lang=en Follow Spencer: https://x.com/SpencerApplebau Follow Tushar: https://x.com/tushar_jain Follow Danny: https://x.com/defi_kay_ Join the Lightspeed Telegram: ⁠https://t.me/+QHlbNTNS4gc1ZTVh -- Join us at DAS (Digital Asset Summit) in New York City this March!  Use the link below to learn more, and use code LIGHTSPEED200  to get $200 off your ticket! See you there! Learn more + get your ticket here: https://blockworks.co/event/digital-asset-summit-nyc-2026 -- Get top market insights and the latest in crypto news. Subscribe to Blockworks Daily Newsletter: https://blockworks.co/newsletter/ -- Timestamps: (0:00) Introduction (2:39) Multicoin Update (9:18) Multicoin's New Crypto Thesis (14:26) FinTech 4.0 & Stablecoins (20:45) The DeFi Mullet Model (25:02) Credibly Neutral Blockchains (32:06) Where Multicoin Is Investing (37:10) The Current Crypto Market (42:46) Venture Opportunities in Crypto (53:06) Closing Comments -- Disclaimers: Lightspeed was kickstarted by a grant from the Solana Foundation. Nothing said on Lightspeed is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only, and any views expressed by anyone on the show are solely our opinions, not financial advice. Danny, and our guests may hold positions in the companies, funds, or projects discussed.

In this episode, Cleo Fan sits down with Sandeep Patil, a Partner at QED Investors, about building and investing in fintech companies across global markets. They discuss Sandeep's journey from operating roles at Capital One, Flipkart, and Truecaller to venture investing, how QED approaches fintech investing across Asia-Pacific, and his perspective on where the fintech ecosystem is headed, covering themes like stablecoins and AI at the application layer.

War and Markets – Not a great mix South Korea tumbles the most in history Inflation risk is real again – the Fed's quandary is real Investors questioning AI trends and the impact of current policies with our Guest – Ross Gerber of Gerber Kawasaki. NEW! DOWNLOAD THIS EPISODE'S AI GENERATED SHOW NOTES (Guest Segment)   Ross Gerber is the Co-Founder, President and CEO of Gerber Kawasaki Wealth and Investment Management. Ross oversees Gerber Kawasaki’s corporate and investment management operations as well as serves individual clients. Ross has become one of the most followed investors on social and in traditional media. His investment ideas and advice have made him a regular in the business news and he is featured on CNN, CNBC, Fox Business News, Bloomberg and Reuters as well as a contributing writer for Forbes.com. He has been ranked as one of the most influential investment advisors and Fintech innovators in America. Ross and the Gerber Kawasaki team oversees well over a billion dollars of investments focused on technology, media and entertainment companies for clients and the firm. Gerber Kawasaki has grown to be a leader in Fintech by leveraging technology to work with a younger generation of clients. Ross is an expert in online marketing and social media as well as co-developed the company's app for IOS. Check this out and find out more at: http://www.interactivebrokers.com/ Follow @andrewhorowitz Looking for style diversification? More information on the TDI Managed Growth Strategy – HERE Stocks mentioned in this episode: (NVDA), (MSFT), (AMD), (TSLA)

Checkout Hostinger: https://www.hostinger.com/in/figuringoutaiFIGURINGOUTAI - 20% off on 12 month and above plans. Valid until: 31st March 2026.Applicable on VPS and shared hosting as well.Figuring Out AI Community: ⁠https://figuringoutai.co/⁠Guest 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

In this episode, I speak with Robin Wauters, European tech ecosystem builder at EU-Inc, about a topic that goes far beyond startups and venture capital headlines: the structural fragmentation of Europe's innovation landscape — and the ambitious idea behind EU Inc.Unlike many Finscale conversations focused on a single company or founder journey, this episode zooms out. It explores whether Europe needs a new legal and financial framework to truly compete on a global scale — and what is structurally holding it back today.We discussed:The origin of the EU Inc initiative: a proposal to create a single, pan-European corporate structure that would allow startups to incorporate once and operate seamlessly across all EU member states, instead of navigating 27 different legal systems.The concrete friction points founders face today in Europe — from incorporation and employee stock options to cross-border investment complexity — and how these barriers slow down scaling compared to the US.The political and regulatory challenges of building such a framework, including the tension between national sovereignty and the need for deeper integration to foster innovation.The role of capital markets in Europe, and why fragmentation in listing rules, taxation and supervision makes it harder to create true European champions.The broader competitiveness question: how Europe positions itself between the US and China in technology, capital formation and regulatory agility.The realistic path forward — what can be implemented pragmatically, what requires political courage, and why timing matters in the current geopolitical and economic context.A thoughtful and strategic conversation about Europe's future as a startup continent — not just in terms of funding rounds, but in terms of structural design.Robin's recommendation:Podcast “Stuff you should know”: https://stuffyoushouldknow.com/Useful links:Robin Wauters: https://www.linkedin.com/in/robinwauters/EU-Inc: https://www.eu-inc.orgSirris: http://www.sirris.be********************Finscale is much more than a podcast. It's an ecosystem that connects key players in the financial sector through networking, coaching, and strategic partnerships.

In This Episode Which trends are genuinely reshaping and transforming banking? Is fintech hitting its “awkward adolescent phase”—past the hype but not yet fully mature? Today we sort through the signal and the noise. Which trends are actually changing how banks work and which are mostly theater. There are lots of pitches coming at banks, but just like in baseball, you can’t swing at them all. How do financial institutions decide what’s worth pursuing versus what’s just the latest headline? Joining host Jason Henrichs are two people who view the landscape from different vantage points: Alex Johnson, Founder of FinTech Takes who analyzes and challenges the narratives shaping fintech, and Meghan Kober, Head of Fintech Partnerships & Investments at U.S. Bank who sits on the side of who decides which innovations get deployed within one of the most innovative banks. Together, they dig into where fintech stands today and what the next phase might look like once the noise settles. This episode of Breaking Banks is part of the FintechXchange recording series at the University of Utah, powered by U.S. Bank.

Are you ready to elevate your presence and make your voice heard? In Voice & Visibility with Gal Ko, host Gal Ko — founder of PodStar and BoldPMM, and marketing lecturer at Google & Reichman University — dives into the strategies that turn podcast appearances into real business impact.Every episode, Gal breaks down how thought leaders, founders, and creators can leverage the power of podcasting to:

Jochen Siegert und André Bajorat liefern die wichtigsten News des Monats. Es geht um Übernahmekandidat PayPal, den ersten Exit seit langem und Massenentlassungen wegen KI.

Credit unions entered 2026 with more digital ambition than any segment of the banking industry. Yet 60% are still in early stages of transformation or lack clear goals. That's not a strategy issue. It's an execution issue. In this episode of The Experience Factor, sponsored by Q2, Jim Marous sits down with Jesus Garcia, Chief Experience Officer at OceanAir Federal Credit Union, to examine what the 2026 Retail Banking Trends and Priorities report reveals about the credit union sector and how one institution is moving beyond ambition to measurable results. This conversation covers: * The execution gap * The branch expansion paradox * The talent contradiction * Fintech partnerships that actually drive impact * The open banking blind spot * AI: substance vs optics This discussion isn't about strategy decks. It's about what's actually working and what must change. The Experience Factor is sponsored by Q2. Download the 2026 Retail Banking Trends and Priorities Report here.

“The most curious person in multifamily,” Moshe Crane is the VP of Branding and Strategic Initiatives at Sage Ventures, a Maryland-based real estate investment and management firm focused on multifamily and other asset acquisitions and development in the Baltimore-Washington corridor. The company manages more than $1B in assets and over 4,000 apartment units while developing and selling new homes. Moshe also hosts the Curious Wire podcast and writes the Curious Deal newsletter, where he breaks down multifamily deals, careers, and industry trends while exploring how operators build, finance, and scale real estate businesses.(01:45) - Moshe's Real Estate Path(02:32) - Deals Returning to the Market(06:05) - Sage Ventures' Market Focus(07:27) - Defining Great Operators(08:27) - The Third-Party Talent Crunch(10:17) - Systems Beat Stars(12:36) - The Sage Operations Playbook(15:47) - Fraud Screening Tools(19:01) - The Roving Team Mindset(21:05) - Moshe's Role(23:56) - Feature: CREtech New York Oct. 20–21 (25:52) - The Accidental Self-Storage Win(26:41) - Office-to-Storage Conversions(28:21) - A Scrappy Deal Mix(28:58) - Low-Basis Development Opportunities(29:46) - Pitching Flexibility to LPs(30:26) - No Gurus, Just Operators(33:58) - Discipline Over Vertical Integration(36:19) - PropTech Ecosystem Shifts(39:38) - Proptech Adoption(44:42) - Motivation, Curiosity & Faith(49:31) - Collaboration Superpower: Bill Walsh

In this episode, Lex chats with Yoshi Yokokawa, CEO of Alpaca — a brokerage infrastructure company that provides API-based trading and custody services to fintechs and developers globally. The conversation begins with their shared experience at Lehman Brothers during the 2008 financial crisis, where Yoshi worked in fixed income securitization and learned that even when market participants sense a bubble, they keep dancing because timing the exit is impossible. After Lehman's collapse, Yoshi pursued entrepreneurship, building a computer vision AI company acquired by Kyocera before founding Alpaca in 2017. Initially inspired by Robinhood, Yoshi pivoted after experiencing firsthand the friction of accessing brokerage infrastructure—realizing the deeper opportunity was building API-first brokerage rails for developers. Today Alpaca powers 9 million accounts through 300+ partners across 45 countries, recently raising $150 million at a unicorn valuation. The discussion explores how Alpaca follows Robinhood's product roadmap to anticipate partner demand, the challenges of adding crypto, and Yoshi's thesis that finance is undergoing a generational shift from digital to on-chain operations. Lex shares examples of legacy infrastructure dysfunction—from faxing PDFs to TD Ameritrade in 2012 to the Synapse collapse caused by manual CSV uploads—illustrating why Alpaca built its own custody and ledger systems as a path to competing in the $350 trillion global securities custody market. NOTABLE DISCUSSION POINTS: Alpaca's biggest breakthrough was not a better investing app idea, but recognizing that the real bottleneck was brokerage infrastructure. Yokokawa and team initially explored B2C product concepts, but pivoted once they experienced firsthand how painful broker-dealer setup, custody, and clearing integrations were. For readers building fintech, this is a huge lesson: the highest-value opportunity is often the “invisible” infrastructure pain, not the user-facing feature set. They found product-market fit by starting with a narrow wedge (API for automated traders) and only then expanding into a broader platform (Broker API for fintech apps). Alpaca did not begin by serving large fintechs; it first attracted power users who urgently needed programmable execution, then used inbound demand (“can I build my own Robinhood?”) as proof to build account opening, reporting, and full brokerage APIs. This is a valuable go-to-market pattern for infrastructure startups: win with a sharp use case, then expand into the system of record. Yokokawa's core strategic edge is full-stack control of licenses, memberships, and ledger technology rather than relying on legacy vendors. He explicitly ties this to lessons from historical fintech fragility (manual workflows, broken reconciliations, middleware failures) and argues that owning the custody/clearing layer is what makes Alpaca defensible long term. For readers, this is the key takeaway on moat-building in financial services: if you don't control the ledger and operational core, your product may scale faster at first but remains structurally fragile. TOPICS Alpaca, Lehman Brothers, Barclays, Nomura, Neuberger Berman, Blackrock, Robinhood, Interactive Brokers, TD Ameritrade, BNY Mellon, Brokerage infrastructure, API, trading, tokenization, embedded finance, fintech, crypto, web3   ABOUT THE FINTECH BLUEPRINT

What does it actually take to secure a payments company in an era of sophisticated, well-funded cybercriminals? In this first episode of The Trust Advantage Series, brought to you by Payroc, host Greg Myers sits down with David Edwards, Payroc's Senior Vice President of Information Security, for a candid and eye-opening conversation about modern cybersecurity in the payments industry.With 30 years in technology — spanning private banking, retail, and payments — David brings hard-won perspective to the questions keeping payments executives up at night. Sparked by a real-world ransomware attack on a payments company, this episode cuts through the compliance checkbox mentality to explore what genuine, operational security actually looks like.David and Greg cover a wide range of critical topics: why passing audits doesn't equal being secure, how AI has radically changed the phishing threat landscape, the three pillars of identity and vulnerability management, and why resilience — not prevention — is the new gold standard. David also breaks down Payroc's layered approach to ransomware defense, how the company integrates acquired platforms without creating security gaps, and the right questions ISVs, ISOs, banks, and merchants should be asking their payment partners.Whether you're a developer, a risk officer, or a business owner processing transactions, this episode delivers a masterclass in why security isn't just an IT issue — it's everyone's job.

In this episode of One Vision, Theodora Lau hosts Angi Milano, Founder and CEO of Maven Advisory, about her diverse career journey in financial services. They discuss the challenges and rewards of embracing independence, the importance of saying 'no', as well as the complexities and the art of selling in regulated industries. Angi shares insights on current trends in fintech, emphasizing the need for relationship building and community engagement as the industry evolves.Hot take: “… power of no and knowing when your limits really are hit and you have to turn somebody down is a powerful lesson that I wish I had learned.”Hot take: “In sales, if you are not thinking ahead, you're falling behind.” 00:00 Welcome and Introductions01:04 Angi's Career Pivot 05:39 Betting on Yourself10:17 The Power of Saying No13:24 The Art of Selling21:12 Trends for 202625:18 Slow Down and Recharge27:46 Magic Wand WishMore about our guest 

In the rapidly evolving landscape of technology, the search for high-caliber talent is a constant challenge for U.S. businesses. Yet just a short flight away, a vibrant and largely untapped reservoir of skilled professionals is driving innovation across Latin America. Plugg Technologies was founded on the recognition of this immense potential, creating a dedicated pathway for U.S. companies to access the exceptional tech expertise found in countries like Argentina, Mexico, and beyond. This is the story of how a bold vision turned into a company that is redefining staff augmentation and forging powerful, cross-border partnerships.In 2015, Brian Samson, made a bold move. He left San Francisco for Buenos Aires, taking on the challenge of growing a FinTech startup. What started as a small team quickly evolved into a thriving workforce of 85 talented professionals in Argentina. This eye-opening experience revealed a powerful truth: Latin America is home to a wealth of untapped tech talent ready to drive global innovation. This insight led to the creation of Plugg Technologies, a company dedicated to connecting U.S. businesses with the best and brightest minds in LATAM. With the addition of Ruben Santana a 30-year staffing veteran with extensive experience leading nearshoring operations in Mexico our team grew stronger. Ruben's knowledge of the region's talent landscape has been instrumental in our success.Today, Plugg Technologies has become a trusted partner for U.S. companies, placing hundreds of top Latin American tech professionals from Argentina, Mexico, and beyond. We have the infrastructure, leadership, and expertise to make nearshore staff augmentation a seamless experience, empowering companies to scale quickly and efficiently. At Plugg, we're driven by a mission: to provide personalized, hands-on service for every client we work with. Our deep roots in the region, combined with a commitment to excellence, mean we don't just fill positions we build lasting partnerships.CONTACT DETAILS:Email: brian@plugg.tech Business: Plugg TechnologiesWebsite: www.plugg.tech Social Media:Podcast: nearshorecafepodcast.com LinkedIN - https://www.linkedin.com/in/briansamson/ Remember to SUBSCRIBE so you don't miss "Information That You Can Use." Share Just Minding My Business with your family, friends, and colleagues. Engage with us by leaving a review or comment on my Google Business Page. https://g.page/r/CVKSq-IsFaY9EBM/review Your support keeps this podcast going and growing.Visit Just Minding My Business Media™ LLC at https://jmmbmediallc.com/ to learn how we can help you get more visibility on your products and services.

Javier Riaño, de IronIA Fintech, importancia de las clases y las retrocesiones, que ahora que se busca seguridad con fondos monetarios. “El fondo es un vehículo que en España no se ha hecho relativamente fácil el conocerlo en profundidad”, afirma el invitado. Además añade que tiene varios matices, ya que como señala es que el más importante es que“el mismo fondo tiene varias clases”. ¿Qué significa esto? El experto explica que “el mismo producto si compras la clase A te cuesta un euro y medio y si te cuesta un clase C un 0,50”. Señala que es “similar a cuando vas a un supermercado y el mismo producto en un supermercado y en otro distinto te cuesta diferente”. Javier Riaño también habla del código ISIN en los fondos de inversión. “El código ISIN es el DNI, te marca todo: el coste, la divisa, si paga dividendos o no”, afirma el invitado. “Entre los códigos ISIN que son diferentes lo que se diferencia entre ellos es el coste y también puede haber que uno sea en euros y otros en dólares”, asegura el entrevistado. ¿Cómo puede elegir el cliente entre todos estos fondos? El invitado destaca que destacan con símbolos para que el consumidor no se pierda. ¿Para qué la compañía da a elegir todas esas opciones? El entrevistado destaca que la compañía “enseña todo” y además asegura que “a la gente que no tiene ese conocimiento le damos ese servicio de gestión discrecional”. ¿La volatilidad en el mercado está provocando que esté entrando más dinero? “Los movimientos bruscos del mercado lo que hacen es retraer a la gente” y también asegura que esto hace que adquieran fondos monetarios de hasta un 1% de gestión, cuando “en IronIA te puedes encontrar fondos con una comisión de un 0,10%”.

Neste episódio do Fintech Talks nós recebemos Luiz Gustavo Neves, CEO e cofundador da GigU, para uma conversa sobre plataformas de inteligência e eficiência para motoristas e entregadores de apps — a linha de frente da Gig Economy.Falamos sobre como esses profissionais tomam decisões em segundos em um ambiente de precificação dinâmica e alta assimetria de informação — e por que aceitar “qualquer corrida” pode acabar treinando o algoritmo para oferecer sempre as piores oportunidades. Luiz explica como a GigU atua como um copiloto financeiro, calculando em tempo real o valor por hora e por quilômetro de cada oferta para ajudar o trabalhador a escolher melhor e aumentar sua rentabilidade.Também exploramos a trajetória da empresa, desde quando se chamava Stop Club — com pontos físicos de apoio no Rio — até a pivotagem para um produto 100% digital e o crescimento da base de assinantes. Além disso, falamos sobre expansão internacional, o desafio do mercado americano e novas frentes de serviços financeiros que estão sendo desenvolvidas pela empresa, com foco nas necessidades específicas de gestão e nas transações cotidianas dos profissionais da gig economy.Confira!

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There's a tension at the heart of modern banking that technology doesn't seem to totally resolve: how do you be both, digitally excellent and deeply human at the same time? Most banks have picked a lane: either betting on digital efficiency or doubling down on relationship banking. But consumers aren't asking for one or the other. They want both. They want their banking app to work flawlessly when they need it, and they want someone who actually knows them when it matters. My guest today is Dontá Wilson, Truist's Chief Consumer and Small Business Banking Officer. He leads 20,000 teammates serving clients through both digital channels and more than 1,900 community banking branches. His portfolio spans core deposits and loans to mortgage, auto, credit cards, and the full stack of consumer products. He also oversees Truist's multi-year growth plan that's reimagining both their digital experience and their physical branches using insights and AI. We talked about how AI is redefining consumer expectations and trust, what it takes to innovate inside a highly regulated industry while keeping client purpose at the center, and why Dontá believes innovation without empathy is empty.

In this episode, Alex and I had the chance to discuss:* Block's plan to sell access to its proprietary Cash App credit score* So-called “no KYC” crypto cards* Stablecoin infrastructure firm Bridge's apparent derisking* The brewing internecine fights over regulating prediction markets* And, as always, what Alex and I just can't let go of Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe

Welcome back to Fintech Recap. I'm Alex Johnson, joined as always by my partner in recapping, Jason Mikula. We kick things off with Block's move into credit scoring. Block stitched together data across Cash App and Afterpay into a proprietary score it's now surfacing to consumers and selling to other lenders, claiming auto lenders could approve 30% more borrowers at identical loss rates using the Cash App score. We dig into adverse selection when consumers choose what to share, where this fits in lender workflows, and the FCRA wrinkle that “transactions and experiences” data can fall outside the definition of a consumer report… Then, we dive into stablecoins. Jason walks through the rebirth of “no KYC” crypto-funded spending cards, including testing several of these services himself (tune in to discover the pattern!). The core mechanic Jason flags is a corporate card loophole: KYB the company, then issue incremental “employee” cards with no legal or regulatory requirement to verify the person behind each card. From there, we zoom out to Bridge, Stripe's stablecoin infrastructure subsidiary. Bridge got conditional OCC approval to form a national trust bank and moved jurisdictions (which include Russia, Belarus, Gaza, South Sudan, and Venezuela) from “controlled” to “prohibited,” while still defining “prohibited” with an “extraordinary situations” carveout. Plus, in our Can't Let It Go corner: prediction markets.  CFTC Chair Mike Sig told the Senate during his nomination hearing that he'd defer to the courts on sports betting and prediction markets. But early this year, he reversed course, asserting the CFTC's exclusive jurisdiction and filing amicus briefs against state prohibitions aimed at sports betting. Kalshi and Polymarket loved it, and I'm sure that's unrelated to the fact that Sig's boss's son is an advisor to both. We close with Substack's new partnership with Polymarket to embed prediction markets into journalism, set against a real-world example of the incentive problem: Israeli authorities investigated and arrested military reservists and a civilian for allegedly using classified information to place bets on Polymarket. This episode is brought to you by Plaid.  Most lenders see the value of cash flow data. The hard part is getting started—and knowing what to do with it once you have it. Plaid makes it easy to access real-time cash flow and behavioral insights in seconds, through a familiar experience borrowers already trust. No heavy lift. No added friction. Learn more at www.plaid.com/ftt 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/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson

What if checkout was the growth engine instead of an add-on? We sit down with Ismael Wrixen, CEO of ThriveCart, to explore how a payments-first platform can power the modern creator economy from a $99 template to a $10,000 mastermind without locking you into a brittle tech stack. Ismael breaks down how ThriveCart layers affiliates, an LMS, and marketing automation on top of payments, then uses smart funnels to turn checkout into predictable revenue.The conversation gets especially interesting around financing. As ticket sizes rise, traditional BNPL hits limits on geography and amount. Enter Thrive Pay Installments: interest-free plans using a customer's existing card limit, delivered globally in USD, CAD, GBP, EUR, and AUD. Early data shows 3.3x higher average order values, approvals jumping from ~40% to ~85%, and checkout time collapsing to five seconds. Merchants still get paid up front; buyers spread payments over three, six, or twelve months with no new loan application, no extra friction.We also zoom out to the bigger picture of the creator economy and AI. Demand for reskilling surges as companies retool, and creators step in with specialized courses and coaching across finance, business, wellness, and AI. Ismael shares why flexibility is non-negotiable—keep your payment funnel, swap your LMS, integrate with 50+ tools, and sell globally with automated taxes and e-invoicing support coming online. We discuss where LLM commerce is heading, why human-in-the-loop purchasing still matters, and how adaptive pricing and localized experiences unlock international growth.If you care about conversion, funding bigger baskets, and building a stack that won't trap you as AI reshapes the landscape, this is your roadmap. 

Au programme :Galaxy S26: quoi de neuf cette année?Les LLM pourraient signer la fin de l'anonymat en ligneLe conflit Anthropic / DoD prend de l'ampleurLe reste de l'actualitéInfos :Animé par Patrick Beja (Bluesky, Instagram, Twitter, TikTok).Co-animé par Korben (site)Co-animé par Julien Cadot (Twitter).Produit par Patrick Beja (LinkedIn) et Fanny Cohen Moreau (LinkedIn).Musique libre de droit par Daniel BejaLe Rendez-vous Tech épisode 655 – Samsung Galaxy 2026: IA et écran privée – S26 Ultra, LLM et désanonymisation, Anthropic vs DoW, iPhone 17e, WB & Paramount, FTTRLiens :---Liens :

Community finance is under pressure. On this episode of Credit Union Conversation, Mark Ritter sits down with Doug Wadsworth to unpack the realities facing small credit unions, including expanding regulatory burdens, rising compliance costs, and growing competition among credit unions. They discuss why credit union advocacy matters, how the cooperative model must evolve, and what practical leadership looks like when serving members in an increasingly complex financial environment.What You Will Learn in This Episode: ✅ How small credit unions manage increasing regulatory burden and mounting compliance costs during NCUA examinations✅ Why credit union advocacy is essential to protecting the cooperative model and strengthening member impact✅ How credit union competition from large financial institutions and FinTech competition is reshaping credit union strategySubscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Doug shares his journey into the credit union space and his introduction to small credit unions06:25 The challenges of obtaining services, the weight of NCUA examinations, and the rising regulatory burden on small credit unions17:18 Survey results reveal growing credit union competition from larger credit unions over smaller ones21:04 Breaking down compliance costs, HMDA reporting, and NMLS registration27:58 Advocacy efforts aimed at achieving regulatory relief for small credit unions31:15 A vision for strengthening the cooperative model and sustaining community financeKEY TAKEAWAYS:

Eric Byunn of Centana Growth joins Nick to discuss The Future of Fintech, If VC Growth Has Become a New Asset Class, and the Case For and Against Vertical Integration in the AI Age. In this episode we cover: Due Diligence and Value Creation Investment in Jumio and Identity Verification Growth Expectations and Market Realities Lessons from Netscape and Industry Evolution Investor Responsiveness and Connectivity Guest Links: Eric's LinkedIn Centana Growth Partners' LinkedIn Centana Growth Partners' Website The host of The Full Ratchet is Nick Moran of New Stack Ventures, a venture capital firm committed to investing in founders outside of the Bay Area. We're proud to partner with Ramp, the modern finance automation platform. Book a demo and get $150—no strings attached.   Want to keep up to date with The Full Ratchet? Follow us on social. You can learn more about New Stack Ventures by visiting our LinkedIn and Twitter.

In this episode of One Vision, Theodora Lau hosts Angi Milano, Founder and CEO of Maven Advisory, about her diverse career journey in financial services. They discuss the challenges and rewards of embracing independence, the importance of saying 'no', as well as the complexities and the art of selling in regulated industries. Angi shares insights on current trends in fintech, emphasizing the need for relationship building and community engagement as the industry evolves.Hot take: “… power of no and knowing when your limits really are hit and you have to turn somebody down is a powerful lesson that I wish I had learned.”Hot take: “In sales, if you are not thinking ahead, you're falling behind.” More about our guest

How can I invest in the next Monet? Guiding us through the world of art investments is Clear Art Reserve founder Clare Baukham. Why you don't need to be an art expert and how the returns can be surprisingly strong this week on the Fintech Newscast https://www.clear-art-reserve.com Click Subscribe to keep up to date on … Continue reading Ep 277- Clear Art Reserve founder Clare Baukham

This week on The Lazy CEO, Jane Lu sits down with Jeremy Cabral, co-founder of Finder, one of Australia’s biggest fintech success stories.Jeremy spent 16 years growing Finder from a bootstrapped startup into a global brand trusted by millions, expanding into 23+ countries and surpassing $100M in revenue before ever raising external capital. When the company eventually raised, it did so at a $680M valuation.He’s experienced every stage of the journey, from scrappy beginnings to international expansion. Today, Jeremy works with founders and leaders to scale smarter, navigate growth, and make sense of emerging shifts like AI. In this episode, they cover: How to use scrappy, crazy PR stunts to get your business noticed How startups should actually use SEO The reality of expanding internationally and why you can’t just copy and paste what worked at home Connect with us:Follow The Lazy CEO Podcast: @thelazyceo_podcastStay updated with Jane Lu: @thelazyceoConnect with Jeremy: @jeremyjcabral & LI: Jeremy Cabral Follow Ranged Group: @finder.auSee omnystudio.com/listener for privacy information.

Live im Podcast „3x3=10“ sprechen wir mit Leon Merx, Geschäftsführer von Otto Payments, über ein Thema, das selten Hype produziert, aber Milliarden bewegt: Payment.

這集我超級榮幸邀請到前外商銀行副總裁、現任阿爾發金融科技董事長的琇惠姐！我們深聊了她退休後投入FinTech領域創業的艱辛，以及在台灣推動數位金融時所面臨的重重法規挑戰。面對大家常有的疑問：「AI機器人理財到底安不安全？」、「它會不會取代人類理專？」琇惠姐為我們破解了「黑箱」迷思，解釋機器人理財背後其實是嚴謹的諾貝爾獲獎經濟學理論與高規格的政府監管。她也強調，未來的趨勢是「人機協作」，機器負責24小時不帶情緒的紀律演算與資產配置，而人類則提供無可取代的服務溫度與陪伴。 我們更深入探討了國外非常流行的「外包投資長（OCIO）」概念，教中小企業如何活用閒置資金，不僅能抵抗通膨，還能創造源源不絕的員工福利與退休金，實踐真正的ESG。我也分享了姑姑如何運用奶奶留下的本金，每年穩定滾出全家族聚餐費的真實故事，這不只是財富的累積，更是愛與記憶的傳承。 投資理財從來都不是為了每天焦慮地預測市場高低點，而是設定好目標並堅定前行。當我們學會信任並善用AI這個強大的理財小幫手，建立好穩健的資產配置系統，就能把寶貴的時間還給生活，讓時間與紀律自然地為我們滾出安心富足的未來。 * ┏━精算媽咪的家計簿━┓**

JX Lye, Founder and CEO of Acme, joins Jeremy Au to unpack how execution compounds advantage in Southeast Asia fintech. They explore Acme's journey from solving delayed bank reconciliation to becoming a core bank connectivity layer serving fintech platforms, direct debit infrastructure, and ERP systems across Singapore and the region. The conversation covers the hard realities of going from zero to one customer, the discipline required from one to five, and how scaling to 80 customers shifts growth toward retention and upsell. Joshua reflects on fintech's COVID boom and 2023 reset, the Brex versus Ramp execution debate, and why Singapore rewards niche depth in financial services. He also shares how AI is shifting from model hype to vertical application, and why founder endurance, health, and signal reading matter more than chasing a visible summit. 03:12 Instant payments exposed a broken backend: FAST and PayNow moved money instantly, but apps waited days because reconciliation relied on end-of-day bank statements. 09:18 From one to five customers demands discipline: Founders must resist custom builds, stay product focused, and lead sales personally to avoid fragmentation. 13:08 Scaling to 80 customers shifts growth drivers: Upsells and retention begin compounding faster than new logo acquisition in Southeast Asia's shallow markets. 17:24 Fintech's COVID boom distorted reality: Easy capital and soaring markets fueled inflated valuations that later reset in 2023. 22:38 Execution beats first mover advantage: Ramp outcompounded Brex through speed, alignment, and focus rather than positioning alone. 25:42 Focus and alignment define execution quality: If teams describe different priorities, compounding slows and distraction spreads. 38:32 Founder stress never disappears, it evolves: Milestones do not remove pressure; resilience, health, and signal reading sustain long-term ambition. Watch, listen or read the full insight at https://www.bravesea.com/blog/jx-lye-compounding-execution Get transcripts, startup resources & community discussions at www.bravesea.com WhatsApp: https://whatsapp.com/channel/0029VakR55X6BIElUEvkN02e TikTok: https://www.tiktok.com/@jeremyau Instagram: https://www.instagram.com/jeremyauz Twitter: https://twitter.com/jeremyau LinkedIn: https://www.linkedin.com/company/bravesea English: Spotify | YouTube | Apple Podcasts Bahasa Indonesia: Spotify | YouTube | Apple Podcasts Chinese: Spotify | YouTube | Apple Podcasts Vietnamese: Spotify | YouTube | Apple Podcasts #Fintech #SoutheastAsiaTech #StartupExecution #FounderJourney #BankingInfrastructure #B2BGrowth #AIinBusiness #SingaporeStartups #VentureBuilding #BRAVEpodcast

Dive deep into the world of global finance, fintech, and payment strategy with Viktoria Soltesz — a visionary leader reshaping how modern businesses think about money. As the founder and CEO of PSP Angels, Viktoria brings 20+ years of real-world experience in banking, payments, taxation, and financial strategy to every conversation.In each episode, Viktoria unpacks complex financial topics — from international payment flows and risk mitigation to banking psychology and ethical industry practices — and translates them into practical insights businesses can use today. Whether you're scaling a startup, navigating cross-border banking, or just trying to understand where your money really goes, she breaks down the barriers between institutions and individuals with clarity and candor.Expect behind-the-scenes stories from her work with global companies, deep dives into trends shaping the future of money, and expert guidance on how to build financial systems that are secure, efficient, and strategically sound. With bestselling books, international speaking experience, and award-winning leadership, Viktoria's mission is clear: to educate and empower you to master the mechanics of money — and never be in the dark about your finances again.Thanks for watching! Go ahead and like, comment, subscribe and turn on post notifications!

Crypto and fintech are converging. But who captures the value? Nick Almond on stablecoins, DAOs, and the future of capital formation. As always, remember this podcast is for informational purposes only, and any views expressed by anyone on the show are solely their opinions, not financial advice. – Follow Blockworks Research: https://x.com/blockworksres Follow Nick: https://x.com/DrNickA Follow David: https://x.com/dcanellis — Get top market insights and the latest in crypto news. Subscribe to Blockworks Daily Newsletter: https://blockworks.co/newsletter/ —-- Timestamps: (00:00) Introduction (01:07) FinTech vs Crypto Today (03:28) Banks Onramps and Walled Gardens (07:53) Where Value Accrues Onchain (16:47) DAS PROMO (17:39) Where Value Accrues Onchain (Con't) (25:02) Tokens Culture and Market Outlook - - Disclaimer: Nothing said on The Breakdown is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only, and any views expressed by anyone on the show are solely our opinions, not financial advice. Host and guests may hold positions in the companies, funds, or projects discussed.

In this first episode of a new series on the Leaders in Payments podcast, host Greg Myers sits down with Chris Aristides, Founder and CEO of Jaris, to explore what it truly takes for payments companies and ISOs to remain competitive as the market shifts toward owned, embedded finance experiences.Chris brings an unconventional background to the payments world, having spent 22 years in the hedge fund industry as an analyst and portfolio manager before making the move into building a company. The conversation begins with the origin story of Jaris, which set out to bring a Square Capital-style lending product to the broader payments market. Rather than following the typical merchant cash advance route, Chris made the deliberate choice to build on a bank-backed model with a modern tech stack, prioritising regulatory alignment and a foundation flexible enough to eventually expand into multi-product banking services.A significant portion of the discussion centers on the complexity of working with legacy payment processors. Unlike vertical SaaS platforms, which offer high conversion and seamless integration, the legacy world is fragmented, running on outdated infrastructure with no easy outlet to plug into. Jaris has spent years building around this challenge, developing its own cloud-based core and processor-agnostic settlement infrastructure to bridge that gap.Chris also addresses the broader vision, making the case that lending alone is insufficient and that engaging the full merchant base requires a suite of products including instant payouts and commercial banking. He closes by framing Jaris not as a disruptor, but as a complement to the existing infrastructure, doing the hard work the industry has long needed done.

Corinna Stukan, Product Leader and Founder of Fintech marketplace Bizzy, lays out practical advice for connecting your product roadmap to business goals. She explains how a metrics one-pager aligns day-to-day product decisions with company goals, why understanding whether your business is in growth, acquisition or cost-control mode should shape every prioritisation call, and how to frame initiatives so stakeholders see commercial impact, not just better UX.Chapters4:00 — Why product people should care about business acumen6:01 — Organisational causes of weak commercial context for PMs8:10 — What business acumen means in practice9:10 — Wake-up story: prioritisation shifted after asking the CEO about revenue drivers11:05 — Misalignment: company goals vs team OKRs12:13 — How to run the metrics one-pager and link product to business goals14:37 — Strategy: where we are, where we're going, how we'll get there15:03 — Encouraging ideas while setting business context17:01 — Running collaborative bets before creating the roadmap19:20 — Communicating value: turn “better onboarding” into business impact22:08 — Avoiding over-attribution and internal attribution fights23:05 — Example: marketing's 12 touchpoints and joint contribution to acquisition24:26 — Practising stakeholder storytelling; where LLMs help and don't29:17 — Presentation craft: fewer slides, start with numbers, end with actions31:03 — Using LLMs for synthesis, not hOur HostsLily Smith enjoys working as a consultant product manager with early-stage and growing startups and as a mentor to other product managers. She's currently Chief Product Officer at BBC Maestro, and has spent 13 years in the tech industry working with startups in the SaaS and mobile space. She's worked on a diverse range of products – leading the product teams through discovery, prototyping, testing and delivery. Lily also founded ProductTank Bristol and runs ProductCamp in Bristol and Bath. Randy Silver is a Leadership & Product Coach and Consultant. He gets teams unstuck, helping you to supercharge your results. Randy's held interim CPO and Leadership roles at scale-ups and SMEs, advised start-ups, and been Head of Product at HSBC and Sainsbury's. He participated in Silicon Valley Product Group's Coaching the Coaches forum, and speaks frequently at conferences and events. You can join one of communities he runs for CPOs (CPO Circles), Product Managers (Product In the {A}ether) and Product Coaches. He's the author of What Do We Do Now? A Product Manager's Guide to Strategy in the Time of COVID-19. A recovering music journalist and editor, Randy also launched Amazon's music stores in the US & UK.

With no clear external enemy left, crypto may be facing its next antagonist: fintech. This episode explores whether crypto is winning — or being domesticated. Plus, a conversation with Nick Almond. As always, remember this podcast is for informational purposes only, and any views expressed by anyone on the show are solely their opinions, not financial advice. – Follow Blockworks Research: https://x.com/blockworksres Follow Nick: https://x.com/DrNickA Follow David: https://x.com/dcanellis — Get top market insights and the latest in crypto news. Subscribe to Blockworks Daily Newsletter: https://blockworks.co/newsletter/ —-- Timestamps: 00:00 Intro (01:42) The Birth of TradFintech (05:04) Make Way, Crypto Natives (08:55) Rising Tides (10:40) DAS Promo (11:30) Interview with Nick Almond - - Disclaimer: Nothing said on The Breakdown is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only, and any views expressed by anyone on the show are solely our opinions, not financial advice. Host and guests may hold positions in the companies, funds, or projects discussed.

In the 2010s, FinTech companies emerged offering a Buy Now, Pay Later service that made financing available, at a time when trust in big banks was low. But as dependence on these apps grows, consumers are starting to reassess the cost. Adam Clark Estes is a Senior Technology Correspondent for Vox — he's sharing what can happen when customers over-rely these services. Later, Annie Joy Williams, an assistant editor at The Atlantic, explains why women are becoming the biggest target demographic for Buy Now, Pay Later apps, and the consequences Gen Z consumers may face.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode of The Risk Reversal Podcast, Dan Nathan and Guy Adami break down the massive rotation rocking the tech sector. Why are investors dumping software darlings like Salesforce, Adobe, and Oracle while Apple hits new highs? The guys debate whether the "AI tailwind" has officially become a headwind for SaaS companies and if the massive infrastructure spend by Microsoft and Google will ever generate a real return. After the break, Dan sits down with Jason Wilk, Founder and CEO of Dave ($DAVE). Jason shares his incredible founder journey—from a professional golf aspirant to landing Mark Cuban as a lead investor who capped his salary at $30k. They discuss how Dave is using AI-driven underwriting to disrupt JPMorgan and Wells Fargo, slashing default rates from 20% to 1%, and the future of fintech in a high-rate environment. —FOLLOW USYouTube: @RiskReversalMediaInstagram: @riskreversalmediaTwitter: @RiskReversalLinkedIn: RiskReversal Media

Eddie Bauer rose thanks to capitalism... It's now bankrupt thanks to “Crapitalism.”72% of Stanford undergrads are using Date Drop… It's taken over Tuesday nights.MrBeast bought Step, a Fintech app for teens… but they'll be customers for 19 more years.Plus, AI demand is so crazy Google dropped a Century Bond… Get paid back in the year 2126 (it's a great Valentine's Day gift)$CRCL $BTC $GOOGBuy tickets to The IPO Tour (our In-Person Offering) TODAYAustin, TX (2/25): SOLD OUTArlington, VA (3/11): https://www.arlingtondrafthouse.com/shows/341317 New York, NY (4/8): https://www.ticketmaster.com/event/0000637AE43ED0C2Los Angeles, CA (6/3): SOLD OUTGet your TBOY Yeti Doll gift here: https://tboypod.com/shop/product/economic-support-yeti-doll NEWSLETTER:https://tboypod.com/newsletter OUR 2ND SHOW:Want more business storytelling from us? Check our weekly deepdive show, The Best Idea Yet: The untold origin story of the products you're obsessed with. Listen for free to The Best Idea Yet: https://wondery.com/links/the-best-idea-yet/NEW LISTENERSFill out our 2 minute survey: https://qualtricsxm88y5r986q.qualtrics.com/jfe/form/SV_dp1FDYiJgt6lHy6GET ON THE POD: Submit a shoutout or fact: https://tboypod.com/shoutouts SOCIALS:Instagram: https://www.instagram.com/tboypod TikTok: https://www.tiktok.com/@tboypodYouTube: https://www.youtube.com/@tboypod Linkedin (Nick): https://www.linkedin.com/in/nicolas-martell/Linkedin (Jack): https://www.linkedin.com/in/jack-crivici-kramer/Anything else: https://tboypod.com/ About Us: The daily pop-biz news show making today's top stories your business. Formerly known as Robinhood Snacks, The Best One Yet is hosted by Jack Crivici-Kramer & Nick Martell. Hosted on Acast. See acast.com/privacy for more information.