Podcasts about fintech

David Gens is an award-winning entrepreneur, fintech leader, and Founder & CEO of Merchant Growth, one of Canada's leading online small business finance companies. From humble beginnings in his apartment, David built the company into a national organization with offices in Toronto and Vancouver, helping thousands of Canadian small businesses access the capital they need to grow and succeed. With deep expertise in alternative lending, financial technology, and scaling businesses, David is driven by a mission to make funding more accessible through innovative digital solutions. In addition to leading Merchant Growth, he is the founder of BankFlow AI, where he is pioneering AI-powered technology designed to transform the financial services industry. A recognized voice in entrepreneurship and fintech, David frequently shares insights on business growth, digital lending, and the evolving landscape of small business finance. His practical experience and forward-thinking perspective make him a compelling and valuable guest for entrepreneurs, business owners, lenders, and finance professionals alike. During the show we discuss: Why getting funding in Canada has been historically difficult—and what's changing How alternative lending provides faster, more flexible funding options What lenders actually look for when approving small business funding How to position your business to qualify for funding more easily The role of FinTech in simplifying and speeding up approvals How revenue-based funding and modern lending models work What separates businesses that get approved vs. denied How to leverage funding to actually grow your business (not just survive) Resources LinkedIn: https://www.linkedin.com/in/davidmvgens?originalSubdomain=ca Merchant Growth: https://merchantgrowth.com/ BankFlow AI: https://bankflow.ai/ 

In this episode of One Vision Podcast, Theo chats with Huyen Tran from US Bank and founder/investor at Elys Ventures. Huyen shares her path from computer engineering and early real-estate investing to two decades in banking product leadership and P&L ownership. She discusses why banks can appear slow due to resilience, regulation, legacy systems, and trust requirements, and how AI will accelerate prototyping, testing, data analysis, and iterative product development while meeting customer expectations for personalization and security amid rising fraud. A must-listen episode on startup, innovation, relationship building, and ecosystem thinking.

Drop us a message!Building a digital marketing strategy that performs consistently across global markets (while still feeling relevant locally) is one of the hardest challenges in modern marketing.In this episode of Social In 10, we're joined by Ciaran Nixon, Global Digital Marketing Manager at Ivoclar, to explore what that looks like in practice. Ciaran shares how he approaches multi-market strategy without losing local relevance, where businesses most commonly lose potential customers throughout the digital journey, and how his experience as an entrepreneur has shaped the way he thinks about growth and strategy in a large corporate environment.He also tackles one of the most debated tensions in marketing today: how to balance the pull of data and performance with the longer-term demands of creativity and brand building.Want to be featured on the pod? Drop us a voice note on Instagram at @GiraffeSM.About Giraffe Social's Social in 10 PodcastGiraffe Social is a multi-disciplined digital marketing agency specialising in social media marketing based on the South Coast of the United Kingdom. We work with a wide range of industries, spanning from Fintech and L&D, to Beauty and Retail.Social in 10 is a weekly podcast about all things digital marketing. We discuss all the things social media managers want to know, including the latest platform updates, emerging trends, campaign ideas, and best practices to help you stay ahead of the curve. Whether you're managing multiple clients or growing your brand in-house, each episode is packed with actionable insights… all delivered in under ten minutes.Hosted by the Giraffe Social team, this is your fast, fun, no-fluff guide to making sense of social. New episodes every week, so tune in and level up your marketing game!

When digital payments can feel like a commoditized utility, how do you build a brand that's seen not just as a processor, but as a strategic partner?Agility requires more than just speed; it demands the ability to innovate within complex regulatory frameworks while simultaneously building and maintaining unwavering customer trust.Today, we're going to talk about the unique challenge of building a resonant brand in the highly competitive and technical world of FinTech. We'll explore how to translate complex capabilities into a compelling narrative that builds trust and drives growth.To help me discuss this topic, I'd like to welcome, Alexandra Westfal, Chief Marketing Officer at COLIBRIX ONE.Enjoyed the show? Tell us more at and give us a rating so others can find the show at: https://aglbrnd.co/r/faaed112fc9887f3Connect with Greg on LinkedIn: https://www.linkedin.com/in/gregkihlstromDon't miss a thing: get the latest episodes, sign up for our newsletter and more: https://aglbrnd.co/r/35ded3ccfb6716baCheck out The Agile Brand Guide website with articles, insights, and Martechipedia, the wiki for marketing technology: https://www.agilebrandguide.comThe Agile Brand is produced by Missing Link—a Latina-owned strategy-driven, creatively fueled production co-op. From ideation to creation, they craft human connections through intelligent, engaging and informative content. https://www.missinglink.company Hosted on Acast. See acast.com/privacy for more information.

Checkout Tanla here: ⁠https://www.tanla.com/ http://wisely.ai/Get your hand-picked playbook here: ⁠⁠⁠https://www.figuringout.co/pdf/fo-543Guest Suggestion Form: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://forms.gle/bnaeY3FpoFU9ZjA47⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Disclaimer: This video is intended solely for educational purposes and opinions shared by the guest are his personal views. We do not intent to defame or harm any person/ brand/ product/ country/ profession mentioned in the video. Our goal is to provide information to help audience make informed choices. The media used in this video are solely for informational purposes and belongs to their respective owners.(00:00) - Intro(03:41) - How to Build Trust: The Chief Trust Officer Explains(07:09) - Inside the SP Oswal Digital Arrest Scam: How It Happened Step by Step(14:42) - Why Your Brain Gets Hijacked in the First 90 Seconds of a Scam(18:26) - Why Victims Keep Paying Even After Bribing "Officers"(23:50) - The Heartbreaking Case of a Mother Who Died After a Fake Call(26:44) - Are Scammers Victims Too?(27:16) - India Loses ₹54,000 Crore to Scams Every Year: The Real Numbers(30:48) - Inside the Scam Industry(36:52) - How Scammers Buy Your Aadhaar Number and Phone Number for Just ₹100(49:35) - 5 Warning Signs You're Being Scammed Right Now(55:34) - Why Nobody Has an Incentive to Stop ScamsAbout Call Detection(1:13:44) - How India Is Fighting Back: TRAI, AI Detection & the Indonesia Case Study(1:23:10) - The Personal Cost of Becoming a Trustworthy Person(1:28:50) - OutroIn today's episode, we sit down with Sunil Bajpai, Chief Trust Officer at Tanla Platforms, a man who has spent decades inside government and industry trying to understand how trust actually breaks down, and how scams have quietly become a trillion dollar global industry.Follow Sunil Bajpai here:X: https://x.com/sunilbajpaiLinkedIn: https://www.linkedin.com/in/sunilbajpai1/Follow Tanla Here:LinkedIn: https://www.linkedin.com/company/tanla-platforms/?originalSubdomain=inX: https://x.com/Tanla_India Instagram: https://www.instagram.com/tanlaplatforms/Youtube: https://m.youtube.com/c/tanlaplatformslimited⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠About Raj ShamaniRaj Shamani is an Entrepreneur at heart that explains his expertise in Business Content Creation & Public Speaking. He has delivered 200+ speeches in 26+ countries. Besides that, Raj is also an Angel Investor interested in crazy minds who are creating a sensation in the Fintech, FMCG, & passion economy space.To Know More,Follow Raj Shamani On ⤵︎Instagram @RajShamani ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/rajshamani/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter @RajShamani ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/rajshamani⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook @ShamaniRaj ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/shamaniraj⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn - Raj Shamani ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/rajshamani/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠About Figuring OutFiguring Out Podcast is a Candid Conversations University where Raj Shamani brings raw conversations with the Top 1% in India.

Et si le métier de banquier d'affaires pouvait redevenir une aventure humaine ?Aujourd'hui, c'est une rediffusion de mon épisode From Within, dans lequel je recevais Jacques Ittah, Managing Partner de Wil Partners et fondateur de la Fondation Florence.Après un parcours singulier – du droit au conseil, de la banque à l'entrepreneuriat – Jacques partage une vision rare de son métier : celle d'un accompagnement profondément humain, où chaque deal est avant tout une rencontre.Au fil de la conversation, il évoque :la solitude des dirigeants et la valeur du regard extérieur d'une personne de confiance,la place de l'intuition, de l'instinct et de l'écoute dans un univers dominé par les chiffres,la naissance de la Fondation Florence, et son engagement pour l'égalité des chances auprès des étudiants boursiers,la culture de l'exemplarité avec la gratitude comme moteur de vie et de réussite, la conviction que l'impact durable naît de gestes simples, répétés avec constance.Une conversation profonde, empreinte de bienveillance et de clarté, où Jacques Ittah questionne la finalité de son métier, le sens du succès et la place de l'humain dans la finance — et où l'on découvre qu'au cœur des chiffres, reste avant tout une quête de sens et de lien.Liens utiles:Fondation Florence : https://www.fondationflorence.orgJacques Ittah: https://www.linkedin.com/in/jacques-ittah-369a2b43/ ***************************Cet épisode est produit et animé par Solenne Niedercorn, fondatrice de Finscale.Finscale, c'est bien plus qu'un podcast. C'est un écosystème qui connecte les acteurs clés du secteur financier à travers du Networking, du coaching et des partenariats.

Payments is getting smarter, faster, and more automated and that makes one question feel urgent: where does trust come from when the tech starts acting on our behalf? We sit down with Marielle Mekkaoui, Head of Marketing at Payabli, to talk about why the future of payments is still human, even in an AI-first era.We get into what embedded payments should actually look like inside vertical SaaS platforms, and why “embedded” cannot be a checkbox feature. Marielle breaks down Payabli's view of the full money lifecycle with pay in, payout, and pay ops, and why solving only for payment acceptance leaves platforms stuck with operational mess. We also talk about go-to-market realities in B2B fintech marketing, the return of in-person events, and how education keeps customers confident as products become more complex.Then we zoom out to AI in payments and what's next, including agentic commerce and the difference between bolting on AI versus building intelligence into the foundation. Marielle shares a grounded framework for due diligence: ask how AI is trained, demand transparency, and keep a human in the loop for the moments that matter most, like disputes, fraud, and support.If you care about embedded finance, intelligent payments, and leadership that doesn't lose the human story, you'll find it here.

Most businesses think YouTube is just for entertainment—but what if it could become one of your biggest lead generation channels?This week on B2B Vault: The Biz To Biz Podcast, Allen Kopelman sits down with Shamoo Kovacs, founder of KS Media, to discuss how B2B companies can leverage YouTube to build authority, attract ideal customers, and generate high-value leads.In this episode, you'll learn:Why YouTube is an untapped opportunity for B2B businessesThe strategy behind videos that actually generate leadsWhy long-form content beats Shorts for B2BCommon mistakes businesses make on YouTubeAI's role in content creation—and where authenticity still winsIf you're looking to grow your business through content marketing, this episode is packed with actionable insights you can use today.

Apple heeft een erg goed kwartaal achter de rug. De omzet steeg flink, naar meer 109 miljard dollar. Dat is beter dan waarop was gerekend. Het waren vooral de iPhones die het ‘m deden. De helft van de omzet komt van de telefoons. En ook de winst (net geen 30 miljard) zag er perfect uit. Al met al mooie cijfers voor afzwaaiend topman Tim Cook. Alleen wordt zijn laatste optreden overschaduwd door een pijnlijke waarschuwing. Hij verwacht namelijk dat de chiptekorten de omzet én winst gaan raken. Deze aflevering hebben we het over die tegenvaller. Beleggers reageren heftig op het nieuws, wij zoeken uit of die reactie terecht is. Beter gaat het bij Amazon. Dat aandeel schiet omhoog. Beleggers reageren helemaal happy op de resultaten én de investeringsplannen van de techreus. Ook Amazon blijft als een malle geld in AI investeren. 220 miljard dollar dit jaar, weer 20 miljard dan eerder begroot. Alleen afgelopen kwartaal gaf het al 53 miljard uit aan nieuwe datacenters. Hebben we het ook over Universal Music Group. Dat opende ook de boeken, maar daar werd dan weer extreem somber op gereageerd. In korte tijd ging er meer dan 20 procent van de beurswaarde door het putje. Verder deze aflevering: Kan ASML de Chinese copycat's aan? ING wordt een soort van Netflix Tesla wil Chinese divisie afstoten, voor fusie SpaceX Te gast: Jos Versteeg van InsingerGilissen BNR Beurs is een journalistiek onafhankelijke productie, mede mogelijk gemaakt door Saxo. Over de makers: Jelle Maasbach is presentator van BNR Beurs en freelance financieel journalist. Zijn favoriete aandeel om over te praten is Disney, maar daar lijkt hij de enige in te zijn. Sinds de eerste uitzending van BNR Beurs is 'ie er bij. Maxim van Mil is presentator van BNR Beurs en journalist bij BNR, waar hij zich focust op de financiële markten en ontwikkelingen in de tech-wereld. Je krijgt hem het meest enthousiast als hij kan praten over ASML, of oer-Hollandse bedrijven zoals Ahold of ABN Amro. Jorik Simonides is presentator van BNR Beurs, economieredacteur en verslaggever bij BNR. Hij wordt er vooral blij van als het een keer níet over AI gaat. Je hoort hem ook in de BNR-podcast Moerdijk: dorp van de rekening. Milou Brand is presentator van BNR Beurs, freelance podcastmaker en columnist bij het Financieele Dagblad. Jochem Visser is presentator van BNR Beurs, maakt Beursnerd XL en is redacteur bij de podcast Onder Curatoren. Vraag hem naar obscure zaken op financiële markten en hij vertelt je waarom het eigenlijk nóg leuker is dan je al dacht. Over de podcast: Met BNR Beurs ga je altijd voorbereid de nieuwe beursdag in. We praten je in een kleine 25 minuten bij over alle laatste ontwikkelingen op de handelsvloer. We blijven niet alleen bij de AEX of Wall Street, maar vertellen je ook waar nog meer kansen liggen. En we houden het niet bij de cijfers, maar zoeken ook iedere dag voor je naar duiding van scherpe gasten en experts. Of je nu een ervaren belegger bent of net begint met je eerste stappen op de beurs, de podcast biedt waardevolle inzichten voor je beleggingsstrategie. Door de focus op zowel de korte termijn als de lange termijn, helpt BNR Beurs luisteraars om de ruis van de markt te scheiden van de essentie.See omnystudio.com/listener for privacy information.

André Bajorat und Jochen Siegert ordnen die spannendsten Fintech- und Payment-News des Monats ein – von der möglichen PayPal-Übernahme über das Ende von PFOF bis zum Sparkassen-Wertpapier-Doppelschlag.

With Josh Tomolak, Vice President of Independent Advisor Services, Diamond Consultants Louis Diamond and Josh Tomolak unpack today's IBD vs. RIA landscape, explaining what has changed, where each model excels, and how to determine which path best supports the business you want to build. In Summary The independent wealth management landscape has changed dramatically, making the decision between an independent broker dealer (IBD) and an RIA more nuanced than ever before. Louis Diamond welcomes Diamond Consultants' Vice President of Independent Advisor Services, Josh Tomolak, for a practical discussion of how the independent space has evolved, what truly differentiates the IBD and RIA models today, and how advisors can evaluate which path best aligns with the business they want to build. The Storyline Not long ago, the decision to become independent was relatively straightforward. Advisors either remained with a traditional firm or pursued independence through one of a limited number of models. Today, the conversation is far more complex. Independent broker dealers have significantly expanded their capabilities, offering stronger technology, larger transition packages, greater flexibility, and even pathways to RIA ownership. At the same time, the RIA ecosystem has matured into a sophisticated marketplace supported by multiple custodians, outsourced service providers, institutional capital, and enterprise platforms that rival many of the industry's largest firms. As these developments have unfolded, the traditional distinctions between an IBD and an RIA have become less obvious. Advisors evaluating their options are no longer simply asking whether they should become independent—they're asking which model best supports the clients they serve, the business they envision, and the lifestyle they want to create. In this Industry Update, Louis and Josh unpack the realities behind the IBD vs. RIA decision. They discuss where the two models overlap, where meaningful differences still exist, and why factors like service, technology, economics, operational responsibility, enterprise value, and long-term optionality often matter more than labels alone. Whether you're considering changing independent firms, launching your own RIA, or simply want a better understanding of how the independent landscape has evolved, this conversation provides an objective framework for evaluating today's choices—and preparing for tomorrow's opportunities. Topics Covered Independent Broker Dealer (IBD) vs. RIA models The evolution of supportive independence Technology investments across the independent space Transition support and advisor mobility Capital solutions and recruiting economics Business formation and enterprise value Launching an independent RIA Multi-custodial platforms and open architecture Minority investments and succession planning Future trends shaping advisor independence > Download a transcript of this episode… Listen and Learn Highlights for Advisors Why are already-independent advisors reconsidering their current model? (5:27) Josh explains why service, technology, economics, and growing optionality are causing advisors to reevaluate their existing affiliations. How have independent broker dealers and RIAs become more alike? (19:28) Louis and Josh discuss the growing convergence between the two models and why the distinction is becoming less obvious than many advisors assume. What really separates an IBD from an RIA? (25:04) A practical discussion of autonomy, compliance, flexibility, custody, economics, and advisor experience. What misconceptions keep advisors from launching an RIA? (36:29) Josh outlines the “Four Pillars” of launching an RIA and explains where advisors tend to either overestimate or underestimate the operational realities. Which advisors thrive most in each model? (33:12) The conversation explores why there isn't a universally “better” model—only one that's better aligned with an advisor's goals. What trends are quietly reshaping independence? (42:13) Minority investments, enterprise value, business formation, and changing revenue models may have an even greater impact than advisors realize today. Key Takeaways Independence has evolved from a destination into an ongoing strategic decision. Independent broker dealers have significantly improved technology, transition support, economics, and flexibility. The RIA ecosystem has matured into a highly sophisticated marketplace with broad outsourcing and support options. Choosing between an IBD and an RIA should begin with long-term business objectives—not industry perceptions. Building a valuable business depends more on business structure and scalability than simply growing assets. Advisors considering independence should evaluate models with an open mind rather than relying on outdated assumptions. The next decade will likely bring continued convergence between independent business models. https://youtu.be/jHDVso2TsmQ Quotable Moments “The question is no longer, ‘Do I want to go independent?' The question is, ‘What kind of independence makes the most sense for my clients, business, and goals?'” “Business formation is far more important than assets under management.” “The way you build your business will ultimately determine how valuable that business becomes.” “Everything in an RIA is going to cost you either your time or your money.” FAQs Is there still a meaningful difference between an IBD and an RIA? Yes. While the two models increasingly overlap, they differ in areas such as flexibility, compliance structure, operational responsibility, economics, and control. Why are more independent advisors changing firms today? Improved technology, stronger transition support, evolving economics, and better service models are prompting many advisors to reassess whether their current platform still fits their business. Is launching an RIA easier than it used to be? Yes. Supportive independence, outsourced service providers, and improved custodial resources have significantly reduced many of the historical barriers. Does every entrepreneurial advisor belong in the RIA model? No. The best fit depends on an advisor's appetite for ownership, customization, operational responsibility, and long-term vision. What matters more: assets under management or how the business is built? Josh argues that scalable business formation often has a greater impact on enterprise value than AUM alone. What's the biggest mistake advisors make when evaluating independence? Starting with assumptions instead of objectives. The most effective due diligence begins by defining the business you're trying to build, then identifying the model best suited to support it. Yes. While the two models increasingly overlap, they differ in areas such as flexibility, compliance structure, operational responsibility, economics, and control. Improved technology, stronger transition support, evolving economics, and better service models are prompting many advisors to reassess whether their current platform still fits their business. Yes. Supportive independence, outsourced service providers, and improved custodial resources have significantly reduced many of the historical barriers. No. The best fit depends on an advisor's appetite for ownership, customization, operational responsibility, and long-term vision. Josh argues that scalable business formation often has a greater impact on enterprise value than AUM alone. Starting with assumptions instead of objectives. The most effective due diligence begins by defining the business you're trying to build, then identifying the model best suited to support it. Related Resources IBD vs. RIA Comparison Guide IBD vs. RIA Revisited: Two Independent Pathways for Advisors to Consider NOTE: The views and opinions expressed by the guests on this podcast are their own and do not necessarily reflect the views and opinions of Diamond Consultants. Neither Diamond Consultants nor the guests on this podcast are compensated in any way for their participation. View the transcript of this episode… IBD vs. RIA: A Special Industry Update on Independence A conversation with Louis Diamond and Josh Tomolak, Vice President of Independent Advisor Services at Diamond Consultants.      Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is IBD vs. RIA: A Special Industry Update on Independence. It’s a conversation with Josh Tomolak, our Vice President of Independent Advisor Services. I’m Louis Diamond, and this is the Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at (908) 879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual advisor transition report. It’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond: For a long time, going independent would suggest the destination. Today, it’s often the beginning of a different conversation. As the independent space has matured, advisors have more choices than ever before. Broker-dealers have expanded their capabilities. The RIA ecosystem has become increasingly sophisticated. Capital is more readily available and support models now exist that would’ve been difficult to imagine a decade ago. The result is that many advisors who are already independent are taking a fresh look at whether their current affiliation still aligns with what they’re trying to build. My guest is Josh Tomolak, Vice President of Independent Advisor Services here at Diamond Consultants and our resident expert on independence. Josh spends his days helping advisors evaluate independence in all its forms from independent broker dealers, the fully independent RIAs and everything in between. And his knowledge is critical because the distinction between these models is often blurred. Many broker dealers now offer pathways to greater autonomy while supported independence has made RIA ownership more accessible than ever before. So the question is no longer simply, “Do I want to go independent?” The question is, “What kind of independence makes the most sense for client, business, and goals?” Josh shares what he’s seeing across the landscape, the misconceptions that continue to shape advisor thinking and the factors that matter most when evaluating the next chapter of an independent business. There’s a lot to discuss, so let’s get to it. Josh, thanks for joining me today. Joshua Tomolak: Thanks for having me, Louis. It’s a real privilege to have come. This is a full circle moment for me going from being a student of your podcast, to working alongside you, to being a guest. So I appreciate you having me. Louis Diamond: Amazing. I’m excited for this one too, because you have a fresh and in the weeds perspective that a lot of our guests simply don’t have. So why don’t you start off, you spend your time helping advisors evaluate independence every day. So working with advisors who are already independent, for the most part. And to me, it feels like the independent space has really evolved dramatically over the last decade. I mean, this podcast is really the epicenter of that to prove that out, but give us a little background on your past roles in the space and then we can get into what you’re seeing right now. Joshua Tomolak: Yeah, I’d be happy to. So I took a very non-traditional path into wealth management. I spent a decade as a deep sea Navy diver, and upon completing my service there, I ended up working for TD Ameritrade. And in my role there, I spent about six years doing nothing but helping financial advisors explore the RIA space, whether that was to join or partner with an RIA, sell to an RIA, or in most cases, launch their own RIA. And one of the things that I ultimately came to terms with is it’s just not the right model for everybody. While I’m a huge advocate for it, we would often lose business to the major broker-dealers of the world. And at the time, I really didn’t understand why. In the last six years at Diamond Consultants has been a very interesting purview into what a lot of the broker-dealers have done and are doing to make themselves more RIA-ish and be very compelling to the right advisor. Louis Diamond: Perfect framing. Your background is incredibly germane to the folks you work with. So let’s start off with the softball here. What are you seeing right now? Joshua Tomolak: It’s not so different than the rest of the industry, the wirehouses, the regional firms, things of that nature, that if you took 10 firms, they’re all likely to go different directions, even if they were identical practices. That could be… A third would go from an independent broker-dealer to another independent broker-dealer. Certainly the supported RIA space is growing every day and has created a lot of very fun and unique solutions for advisors, very customized and curated. And then I think there’s still a lot of really great sophisticated teams and individual contributors that are making the decision to go hyper entrepreneurial and launch their own individual RIA. So the movement’s really all over the board from my perspective. Louis Diamond: It does feel like it’s no longer independence is an alternative option or it’s on the fringes. It’s very front and center whether for breakaways, which is a big topic on our podcast, but in general, the infrastructure has become much, much more sophisticated today than ever before. Advisors have way more tools in their toolbox to serve clients, whether in the private markets or through technology. And it’s no longer that if an advisor’s independent, they’re in the minor leagues where they don’t have the same ability to serve clients like they did if they’re at a big bank or a private bank or a wirehouse. Do you agree? Joshua Tomolak: I absolutely agree. And I’m reminded of a question I got one time from a great team that I worked with in New York. They asked me, “Are there really more options than ever before? Because all we see is one firm selling to another.” And I think that’s a really great point. There’s far less broker dealers on the street than there were even five years ago. But for every Commonwealth, for example, that sells to an LPL, up pops three or four really cool private equity-backed, sophisticated RIA platform firms that are built to service their own unique advisor base. Louis Diamond: I think that’s right. Sitting on the sidelines, sitting on top of everything going on in the industry, I feel like capital is always an interesting topic forever. If an advisor wanted to move within the independent world or break away from a big firm to go independent, the only way to get capital was to go to an independent broker dealer. So we still see that, but I feel like today between all these minority acquisition opportunities, we’re seeing firms acquire practices at time of transition, which is somewhat new. There’s debt solutions, recruiting deals are way up for firms that are paying forgivable loans. RIAs now would, in some cases, will pay a forgivable note. What are you seeing there as far as the availability of capital and just deals in general? Joshua Tomolak: It’s a great question and I didn’t want to take the low-hanging fruit, but capital’s been a huge innovation, I guess, in the last five years I’d say. Just to give you rough quotes, please don’t hold me to it, but traditional transition broker-dealer deals were five years ago, 40 to 60% of Trailing Twelve revenue today are somewhere between 90 and 120%, sometimes north of that for the right team. That’s really meaningful money for the team that is thinking about foregoing a wirehouse deal, for example. I’d also say a lot of these firms are getting hyper-creative in how they solve for capital. The minority investment piece that you mentioned is very interesting. We’re seeing a lot of privatized forgivable notes in the RIA space where third-party or private lenders are basically lending the money and the RIA is making the payments on that forgivable note as long as the advisor is affiliated with them. So there’s been a recognition among the RIA space to get away from the, “Oh, they just took a check” type of mantra, and to say, “Look, I understand there are capital needs. These people are taking a risk. We need to solve for that.” So we’ve seen a lot of that in the marketplace. Louis Diamond: Very interesting. I think another thing financially, and then we’ll keep the train moving, that I know I’ve seen, and maybe you can weigh in if you’ve seen the same, is the cost to an advisor or a business owner to join an independent BD or to join an RIA has come way down, probably in part because of Schwab going to zero on trading. That’s been a catalyst. But it feels like we used to say independent BDs were expensive relative to the RIA world. And in some cases, they certainly could be. And if you’re at scale, maybe you can pick up a point or two being in the RIA world versus a BD. But when you have some of these BDs that have a basis point admin fee or no admin fee at a certain size and the payouts I feel like are similar, maybe have gone up a little bit, but it’s more so like the administrator fees, the platform fees, the program fees. Anyone who’s not in that world, it’s like, “What are you talking about?” But basically the way that these broker-dealers make money, it seems like there’s been a pretty big differential in the exchange of value where advisors now get more services, better technology, get more money to join them and get it at a lower cost. Do you agree? Joshua Tomolak: I absolutely agree. I think that maybe that’s one of the larger changes that we’ve seen, and it’s probably one of the benefits from a lot of the industry consolidation on that independent broker-dealer side. The economies of scale of these folks have allowed them to increase their tech spend, increase their service capacities all while offering it to the advisors at a cheaper price. And when I was at TD Ameritrade, one of the biggest pitches was the idea of a 100% payout and you control the fixed expenses, your technology compliance, et cetera. But what’s changed is that broker-dealers are pretty darn comparable on the expenses. All of those admin fees and things you mentioned will still exist, but they’re on a much smaller scale. And I think the question a lot of advisors are asking is, “Am I getting congruent value from my broker-dealer for what I pay for?” And while that answer might’ve been no a couple years ago, today the answer is more often yes. Louis Diamond: Yeah, I would agree. A lot of times we work with advisors who are starting an RIA or affiliating with an RIA or going to a BD and they see how big the deals are in the independent BD world and the payouts are really high and the fees are relatively low. And honestly, it is a hard decision or calculus to make, like, “How does it make sense for me to turn down this extremely lucrative deal when my ongoing economics are going to be somewhat similar in the BD world versus in the RIA space?” I think it’s just an interesting dynamic and we’ll get more into that distinction. One of the stars of the show right here is we’ve seen a ton of advisor movement across the industry. Our annual advisor transition report said that in 2025, over 11,000 experienced advisors changed firms, which is a large number. A lot of those numbers are within the independent world. So advisors who are 1099 through a BD or through an RIA transitioning to another platform or organization or starting an RIA. So why do you think we’re seeing so many advisors reconsider their current firm or their platform or their broker-dealer today than in years past? Joshua Tomolak: It’s a jarring number. 11,000 is definitely a significant amount of advisor movements. To me, it comes down to a few things, but I will say that it’s almost always a conglomeration of pushes and pulls. Pushes being inherent frustrations with your status quo, pulls being the new sexy, shiny things that you see in the marketplace that could be really impactful for your business. To me, it typically comes down to one of three things, at least on the push front, that drives advisors to movement. Service being number one, technology being number two, and economics being number three. And if we were just going to unpack those, I think service being, “Can you call somebody that knows your business, that knows your name? Are you getting the correct answers? Are you being pushed through a phone tree? And even if you’re not doing it, is it taking up a meaningful amount of time of your staff’s free time?” On the technology front, there’s very significant tech spends happening in the industry right now. I think Raymond James and LPL reported, for example, they spent 500 million in 2025 on a tech spend. So advisors are going to the places that are making their life easier. People are looking for a mechanism to really scale their business without having to add staff and a lot of expenses to the bottom line. And technology is just the fastest, most efficient way to do that most times. And then economics, certainly a lot of advisors and teams have built phenomenal businesses and they’ve made a great living without really stressing out about the economics. And they eventually get to a point in their business where what they were giving up as a million dollar producer is far different than what they’re giving up as a $4 million producer. And back to the congruent value, it perhaps stops to make as much sense. Louis Diamond: Well said. I always say when the cost-to-value ratio is out of whack, that’s when advisors sit up and take notice. And not to name names of firms, but there definitely are firms that are more expensive. And even if you look at how much a wirehouse or a Ed Jones advisor paid their firm, it’s like, “What got me here is not necessarily what’s going to get me there.” And while the name on the business card, the resources were incredibly impactful, and I’m so grateful for what my firm, my broker-dealer did for me when I was just starting or when I was smaller. Now the business is bigger, I rely upon different resources or I don’t need the firm as much. So I’d rather plow the cost savings either into income for myself or invest it in areas that are most germane to my business. And it’s usually when that kind of light bulb moment goes off, that’s one of the major pushes that cause advisors to evaluate other options. So I agree with you, those are the major push factors, but then what are the pull factors? What are the major advancements or changes across the independent space that’s causing advisors to say, “Hey, okay, I might have some frustrations, but at the same time, I also need to find something that’s more than marginally better than the firm I’m at. Otherwise, why am I going to go through the hassle, take the risk, et cetera? So what are some of the pull factors that advisors are latching onto today? Joshua Tomolak: Sure. And I might say with one final push factor, there’s a straw that breaks the proverbial camel’s back when you’ve been told for however many years that this change or that change is coming down the pipeline and it never happens. And it translates well into the pull factors is do they do what they say they’re going to do? The talking points really for the pull factors are exactly the same. So the counterpoint to service is perhaps having a direct relationship with the chief compliance officer at a firm or having a dedicated service representative that knows their stuff inside and out and can get you the answer even if they don’t know it off the top of their head. Having the technology to rebalance a household in two clicks instead of two hours. In economics, I think it’s really a transparency of economics. We’ve both worked with some really significant firms that have looked at their P&Ls and said, “where the heck is the money going?” And we’ve looked at the same P&Ls and said, “I have no idea,” because it’s so convoluted. People are happy to pay for good service, good technology, good products, but they just want to know where the money’s coming from. So I think it’s a yin and yang. The same things that they’re the push are often the pull. Louis Diamond: Definitely. I’ll give you a couple other from my perspective. I’ll say first specific to the independent BD world, and then we’ll dive into the RIA, I think it’s a little bit different. But I think some other will say innovations or changes that are causing advisors to really perk up and listen and really make the case to themselves that life will be better at this new organization than the status quo or staying put. We’ve seen major advancements in transition support, whether it’s being able to do a transition without a shred of paper, being able to… I mean, we’ve seen some independent advisors move their entire book within two weeks, which never would’ve happened before. So the firms that I’d say are playing offense, the larger firms that are winning, they have insane headcount around transitions and are always investing in technology, whether now on the AI front or in general. And we’ve seen transitions, they’re never easy. So that’s not a comment to say it’s easy, but a lot of the friction, a lot of the manual work has been taken away, which is massive. You definitely mentioned the significant technology spend. I mean, just the innovations going on across the industry. There’s definitely some firms that are laggards on technology and others that are light years ahead, whether because their tech is more integrated or they’ve built out their platform to be more, we’ll say modular, to plug in different third-party softwares where an advisor can really customize and create their own tech stack. I think there’s been some changes on compliance. It used to be if you’re at an independent BD, you had to be the OSJ by yourself or you had to roll up under an OSJ. But now most BDs offer home office supervision, so a big friction or pain point is taken away. And then I’ll give you a bridge to talk about what we’re seeing on the RIA side. But we’ve also seen, I would say, a real blurring of the lines between what you would traditionally think of as an independent broker dealer versus what was an RIA. So whether it’s an internal pathway where it’s like, “Start off on our independent BD platform, get the big deal, get the support, but then you can ditch that and just use this as a custodian or you can sell the business to us when you want to retire and convert to W2.” So in that vein, transitioning internally to an RIA, give me the same points like, “What are the major advancements or changes you’re seeing on the RIA side today?” Joshua Tomolak: I love that you said that because it’s been one of the most interesting changes to watch. Independent broker dealers becoming more like RIAs, and to your point, being more flexible, having more optionality, a more curated experience in some cases. And in many cases becoming closer to independent broker dealers with some of these massive shops that we’ve seen be created over the last five years that now have hundreds, if not thousands of advisors. To your question on the internal RIA slide as we sometimes call it, this really didn’t exist many places a few years ago. And I think it’s been created as both originally a retention tool in many places for the advisors that were with a major independent broker dealer and they ultimately wanted to have their own ADV and their own RIA. And the firm didn’t want to lose all the assets to an independent custodian so they gave them the green light to… And it’s ultimately became a sales tool in many cases. Just to use a couple of examples across the industry, I mean, Raymond James has Raymond James Custody Services, which has attracted a lot of really sophisticated teams. I know Wells Fargo Finance done something similar and even the counterparts over at Cetera and Osaic are trying to do the same thing. So it’s a recognition in my view that we want to keep the best talent possible. And if these folks are ultimately going to go RIA anyway, it’s less about the money and more about the flexibility and control that it offers them. So what can we do to keep those folks on board? And rightfully so, a lot of senior management of these firms have said, “Let’s not lose these teams. It’s going to be a lower margin business for us, but at the rate that they’re growing, it’s going to pay off in the long run.” Louis Diamond: Well said. RIAs are now more mainstream. And some of these RIAs, they’re either resembling independent BDs or I would even go so far to say the valuations that are even publicly available on some RIAs is definitely having people take notice. I mean, Cerity Partners recently raised capital at an over $8 billion reported valuation. Crescent was well over a billion. Firms like Mariner, Creative Planning, Mercer, Wealth Enhancement Group, and there’s many that I’m missing, are all worth a couple billion dollars or more and growing. Do you think that’s had an impact on the legitimacy or the staying power of the RIA model? Joshua Tomolak: Oh, absolutely. There’s no doubt about it. I mean, those groups that you mentioned and many more are winning some of the biggest teams on the street. I mean, if you pull up a run-of-the-mill advisor hub article, for example, you’ll see as many of those RIAs win significant businesses as you will their broker-dealer counterparts, partially in my opinion, due to the massive valuations these firms are fetching. And it’s much more of a partnership in the sense that joining a Crescent or a Wealth Enhancement Group, as you mentioned, you’re a part of a boutique group of maybe a couple of hundred very sophisticated high-producing advisors all playing under the same banner, all rowing in the same direction, and that creates substantial growth. Louis Diamond: Exactly right. I think two other things to me that’s driving the legitimacy or the growth of the RIA segment, there’s so many different outsourcing solutions that have popped up, whether it’s more of a… We’ll say a bundled or a package outsourcing solution through firms like Dynasty and Sanctuary. LPL has done a ton with having a shared services outsourcing model. So you have those. But you also have, I mean, probably 10 different firms I could think of that can be an outsourced chief compliance officer. You have tons of marketing agencies that specialize in helping RIAs. You have all these FinTechs popping up to support the RIA space. Really, it’s like anything and everything can be outsourced now. And even the big Wall Street banks like UBS, Merrill, et cetera, they’re attempting to sell and distribute product into the RIA space. Venture funds, private equity funds, anyone you talk to is trying to get a piece of the RIA space, which means there’s more product and platform availability than ever before. And I think it’s massive because one, it’s a catalyst for teams who say, “I love everything about the RIA world. I just don’t want to do it on my own,” or, “I don’t know where to start.” But also it means that they can look their clients in the eye and say, “Hey, not only do I have the same stuff that I had for you at XYZ firm, I can actually do more for you.” And even if you look at what the custodians are doing on the lending side now, Schwab owning a bank is massive and being able to facilitate mortgages, securities-backed loans, things that didn’t really exist in the past. I think it’s a very exciting time for advisors either that are independent or are considering the independent space because you have all these choices and it’s really like, “Choose your own adventure. Give me your top five things you want.” I’m sure it exists and we can find it and make it happen. And I don’t think we’d have the same confidence in that statement 5, 7, 10 years ago. Joshua Tomolak: I couldn’t agree more. That’s such a huge development is the marketplace of third party vendors in any kind of capitalism environment. There’s problems that people encounter and there’s really smart people that are trying to make a lot of money that go to market to solve them. And we’ve seen a ton of that over the last few years. Louis Diamond: Exactly right. Yeah, it’s like also… If an advisor looks around and says, “Hey, this is what I want,” and it doesn’t exist, oftentimes that’s a light bulb moment to be like, “Okay, I’ll go build it. I’ll do it on my own.” Whether it was Stewart Partners when they launched a number of years ago or Hightower, Dynasty, et cetera. They were all started by people that said, “Hey, I see a big gap in the ecosystem. Let’s create a business and raise capital to go solve it and then deliver this service to other like-minded advisors or business owners.” Honestly, it’s a treat to be able to watch all this happen in real time. We probably should have laid the groundwork with this next question, but I think it’s an important one. What’s the difference between a independent broker-dealer and an RIA? Really basic foundational. It sounds like the lines are blurred. There’s probably a lot of similarities. Advisors are successful in both. It’s not like one’s better than the other. How would you explain the differences, if a client of ours asked, “What’s the difference between an independent broker-dealer and IBD versus an RIA”? Joshua Tomolak: Get into the core of it. Again, the lines are blurred, and I’ll stay very high level on the strategic differences, but I like to use this example. I drive a Toyota Tundra. Really like the truck, gets me from A to B. Now, if I were getting to a point where I wanted a new vehicle, if I were to go get another Toyota Tundra because I really like a lot of aspects of it, but I want the one with the bigger screen and the bigger tires and the power seats, and I have rolled down windows because I have a fear of drowning. But if I want a lot of the bells and whistles, but I want to keep the foundation, that’s what I align to a independent broker-dealer to independent broker-dealer. You like the foundation of everything all under one roof. You like a lot of the resources, but you have some meaningful frustrations and you want to see if another provider in the market can solve for those or you can upgrade. If I instead, Louis, decided that I wanted a sports car or a Jeep Wrangler or something, I would be looking at a different category altogether. That’s how I articulate the platform space. They provide the same services and support in many cases that an independent broker-dealer does, think of marketing and a tech stack and regulatory oversight and a fellowship in a community, but they’re built on an RIA TC registered chassis. They’re typically far more customized so you can shop the street to get a lot more of the things that you like, though you are walking away from maybe some of the things that you’ve liked in the independent broker-dealer model. So I guess that’s the highest level I might explain it, just a little bit more minutia in any broker-dealer is going to be a FINRA registered, FINRA member broker-dealer. So they’re subject to the FINRA rules, which basically means it’s the compliance interpretation of those rules that they have to follow. So LPL’s rules may be slightly different than Cetera’s than Ameriprise’s because it’s based on their interpretations of the rules. In the RIA space, everybody really operates on the fiduciary standard. So it’s just a different lens that from a compliance standpoint, business is looked at. And a lot of people would make the argument that it’s just easier to get things done when you’re looking at something from that lens. I might’ve gone too compliance nerd on you there, but I’d be curious what you think some of the major differences are. Louis Diamond: Yeah, I think that’s right. I mean, it sounds like if you’re in the RIA world in some capacity that you as the advisor or business owner are going to have a little bit more control and autonomy and flexibility. One, do you think that’s true? And what are the reasons why that is? Is it platform? Is it strictly just compliance is easier? What are the different ways that an RIA would have more or less flexibility than someone who’s with an independent BD? Joshua Tomolak: Yeah, I think it’s overwhelmingly true, but it certainly depends on your business. Within most RIA platforms, you’re going to be one of a couple dozen, maybe a couple hundred, where you’re going to have people within that firm that really know your business. So the experience in getting things done is much less about, “Can I do this,” or, “Can I not do this?” And it’s, “Louis, I understand you asked for this. We’re going to run into these issues, but let’s figure out how to get to yes.” So it’s far more curated by people that are not operating on black and white rules and can actually figure out how to get to yes for your business. The other thing I would say is that most significant RIA platforms have multiple custodial options. So many times you’ll see as few as two or as many as five. So if an advisor or a team is trying to bring on a new piece of business or do something creative, that might be something they can use a different custodial relationship to accomplish. It might be something that Goldman Sachs does really well but is in its infancy at Fidelity, or it might be international business that’s approved on Pershing’s platform but not Schwab’s platform. So the RIA partner that you’re with can really look at those custodians agnostically and say, “What’s the best home for this business? What’s the best way to get this done for Louis?” There’s a couple examples of where I see the flexibility in practice. Louis Diamond: Yeah, I think one more too would be the concept of being able to shop the street. I’ve heard it described as becoming a buy-side advocate for your clients versus being a professional seller. So meaning, if I’m affiliated with an RIA or I’m operating my own RIA, there’s no selling away like there is at a wirehouse or at certain BDs. So if I have a client who’s trying to get a $10 million loan for a new building that they’re breaking ground on, if I’m at UBS, Merrill, Morgan Stanley, captive to a BD, I can go to my firm and say, “Hey, this $10 million loan, here it is. What are the terms? What are the rates? Will you take on this business?” And the firm will say, “Yes. No. Yes, here are the terms. Here’s the caveats, et cetera.” But it’s a very closed market process and an advisor has to live and die by what their firm says. Versus in the RIA world, it’s, “Okay, I have relationships with nine different banks and I can go to these different banks and private credit funds and whoever and really create either an option process for my client or really just help them in a fully agnostic open way.” And we see the same thing when it comes to alternative investments. No one at a wirehouse, let’s say, is complaining that they don’t have enough alts that they can offer clients. Those firms have done an amazing job with really boiling the ocean and having tons and tons of options for private investments, hedge funds, et cetera. But if you’re in the RIA world, you can take it to the next level and say, “Hey, this $3 million startup company that my friend is starting, I’m going to help them raise capital,” or, “My client wants to get a syndicate of investors together to have a direct investment into a qualified opportunity zone fund that they’re starting. Let’s do it when we can advise on it.” So it really expands what an advisor is able to do on behalf of clients. Like to me, that’s the most interesting or exciting part of the RIA model. You can get some of that within the BD world, but to me, when an advisor’s business becomes more sophisticated as far as what their end client’s needs are, it tends to translate better to the RIA world than the BD world. Not to say there aren’t ultra-high net worth focused advisors at BDs, but because of that additional flexibility, autonomy, customization, et cetera, that speaks more RIA. So again, absolutely not down at all on the independent BDs because I think there’s a massive home for them. Josh, let me turn it back to you. I’m rambling now. Give me the pitch for an independent BD. What are the things that are misperceptions that people have? What are the advantages that an independent broker dealer like an LPL or a RayJ or a Cetera have over RIAs or over other models in general? Joshua Tomolak: Absolutely. And I’d say I’ve learned more over the last six years from some of your ramblings than most people learn in an MBA course, so keep doing what you’re doing. But it’s funny being in this position now, having spent so much time sort of selling against the IBD model within TD Ameritrade, but what I’ve learned is it’s a good home for everybody. And a lot of times the advisors that they’re entrepreneurial enough where they like having their name on the door, but they’re not so entrepreneurial where they want to build everything out themselves, that’s where the independent broker dealers absolutely kill it. Their economics have gotten to a point where they’re really competitive. They offer transition capital that isn’t even going to be comparable in the RIA space unless you’re selling a minority share of your business. And you mentioned LPL, or we could really list all of the major ones, there’s not a department that they don’t have. It could be as nuance as finding 403(b) payroll slots or it could be as mainstream as fixed income or setting up events. There are all kinds of really neat departments that these all under one roof independent broker dealers have invested in. And a lot of times they make an effort to make you very much aware of all of the support because most people don’t use it. So I would say for the advisors that are looking to get their improved Toyota Tundra, then you can get probably 70 or 80% of what you want within the independent broker-dealer world. And you can also keep 20 or 30% of the stuff, maybe more that you really liked at your previous firm. So I think that’s where it really shines. I sometimes call it an incremental change rather than a transformational change. But for many advisors, incremental is really good enough if you get to keep the familiarity of how you’ve been doing business for the last 20-some years, but you’re able to get net improvement on the things that were really bothering you. Louis Diamond: Well said. Something that I’ve seen that’s been… I guess this could be either pro or con depending upon the advisor, but with some broker dealers, letting an advisor co-brand with them or really having a real consumer-facing brand, whether it’s, “I’m a franchise owner with Ameriprise,” or, “I’m independent through Raymond James,” or, “Running my own practice through Wells Fargo FiNet,” or, “I’m independent with Northwestern Mutual.” There’s definitely some brand cache or brand familiarity with some of those firms that may or may not be the same if you’re in the RIA world. So I would agree there’s a lot to like about the independent BD world and there’s a fit for people that is absolutely better with independent BDs than on the RIA side. Even if some people would say RIA is better, we’re cleaner, I wouldn’t say that. To me, it’s all about what an advisor’s goals are and then matching that up with what these firms do. And there’s never a perfect option. I jokingly say, “If there was a perfect firm, we wouldn’t be in business.” Every firm has their advantages or disadvantages. And depending upon where an advisor’s coming from, their style of business, their pain points, that’ll match up really well with on firm or one type of firm or one model than the other. Let’s pivot a little bit to the RIA world. A lot of your comments have been more about advisors affiliating or joining RIAs, this whole supportive version of independence concept. But what about advisors who want to go and start their own RIA? Either they’re leaving a captive firm and taking the entrepreneurial route and starting their own firm, or they’re leaving an independent BD to go start their own RIA. What do you see as some of the biggest misconceptions that advisors have about that move? Joshua Tomolak: That’s probably my favorite topic because there are the most misconceptions I think in this space. Louis Diamond: I’d agree. Joshua Tomolak: And I would say there’s 9 out of 10 conversations that I have with advisors and teams, they start off with the launching an RIA in mind or at least RIA curious and they want to understand what’s out there. And probably less than half the time do these folks end up actually launching their own RIA, which is okay because the ones that do are massively successful and they know they’re dang sure that’s exactly what they want to do. I think it gets a little bit romanticized sometimes that they’ll say, “Oh, I’ll just give Schwab a call,” or, “I’ll just give the custodian a call,” as if they were shopping independent broker dealers. That’s fine. You can do that and they will help you, but there’s quite a bit more to think about. And it’s not, in my opinion, the same as evaluating independent broker dealers. If it’s all right, I was taught the four pillars of the RIA model. I can go through that with you really quickly. So the way to think about the RIA space is in four pieces. And shout out to a friend, Eli Suarez, that taught me this years ago. The first pillar… Thinking of four pillars on a bar stool, if you will. The first one being administration. And this is your compliance, this is setting up your ADV, your LLC, all of your business formation documents. The second piece being technology, what do you actually want to use? Because the benefits of the broker-dealer world and the supported independent world is they’ve already built it for you. They’ve already paid for it and scraped their knees building it. In this case, you have to. And for some people, that’s really exciting to source financial planning software and portfolio management software and your CRM and tax software, et cetera. For some people, it just sounds like a huge headache. The third pillar being custodians. I have them third because you want to make sure that the right custodian can integrate properly with the technology that you’ve sourced that you’re passionate about. And then ultimately transition. What does a transition really look like? What are my legal and regulatory requirements? How does this work? What are the timelines? Things of that nature. So I guess I would say in closing that if those four things are things that you really want to own, then you’re in a really good position to consider an RIA launch. What do you think, Louis? Louis Diamond: I think that’s a great framework to break it down. Not just be like, “Okay, I can tolerate that,” or, “My team can do it,” but I think you have to be pretty excited about rolling up your sleeves and customizing and doing it yourself because in our experience, there’s a nominal differential between the economics of running your own RIA versus affiliating with an RIA or going to an independent BD. All the extra work and responsibility, you’re not really going to make it up, at least on the front end, on a higher net payout. So it has to be more about what the model means to you and having a vision that you don’t think anyone else can accomplish other than yourself. And looking at that crazy ever-expanding Michael Kitces’ FinTech map and there’s 500 different logos on it and being like, “Yes, that’s what I want. I want to go through this. I want to pick the seven pieces of my tech stack that work for me,” rather than getting, “Here’s the tech stack, take a demo, you like it, you don’t like it, take it or leave it.” To me, the two biggest misconceptions people have about the RIA world is one, “I’m going to have to be a full-time chief compliance officer,” and just that compliance is this boogeyman, this terrible, scary thing. In some ways it is. But the reality is most, especially startup RIAs will fully outsource compliance to a firm or they’ll hire a compliance consultant or firms that are big enough even will hire a CCO or repurpose someone on their team to be CCO. But compliance is much more streamlined and simpler than BD compliance. And ultimately, it’s compliance that’s being built for your business rather than compliance that’s being built for a publicly traded multinational company that supports 20,000 financial advisors. So I think compliance is always a big misconception. It’s definitely what a lot of firms will pry upon when they’re saying like, “Oh, you’re going to own all the legal and regulatory requirements. You could, but it’s definitely not a requirement.” And then I think another one is folks sometimes underestimate and overestimate the operational burden and how much work it is to start an RIA. Sometimes people just… They’re perfect for the RIA world, that’s their goal, but they get stopped in their tracks. They don’t really know what to do. But what we’ve seen, we said it earlier with so many different outsourcing solutions and different service providers that have popped up, if you have the fire in your belly to go build something, it doesn’t mean you’re doing it by yourself. I mean, that’s what firms like ours do. The custodians are very helpful. On the flip side though, I have seen advisors chasing payouts say, “Hey, I’m just going to go start an RIA because I want to make another 1 to 3%,” or whatever it comes to and they drastically underestimate what it really takes to build a successful firm. Joshua Tomolak: Exactly right. I think that’s my favorite one, Louis, overestimating and estimating the operational burden there is you could have the same conversation with two teams and it can go the completely different direction. Louis Diamond: Josh, let’s wrap here. I got one more question for you that I think is an exciting one, but give me three key trends or storylines that most people don’t know about or aren’t talking about that you’re passionate about or that you’re sharing with advisors or counseling today. Joshua Tomolak: Sure. This is the free advice portion. And I’ll tell you what, Louis, if it’s all right with you, I’ll give you two and I would love to hear one from you as well. The first one I’ve seen in both the independent broker-dealer and RIA space is the minority investor concept. A lot of folks will talk about the idea of taking chips off a table and starting to partially monetize your business. I think that’s all important, but what I’ve found is that a lot of advisors really want their partner, whether it’s an RIA broker dealer to help them grow. And that could be with M&A opportunities, that could be with traditional recruitment of advisors, that could be building a business plan. But the minority investment part really helps accelerate that for a lot of businesses because all of a sudden, not only are you cashing out a small part of your business, but you’ve just created an ally with the parent entity, it is now much more likely to help you grow in that capacity because they’re insulated from it and they profit when you profit. So I think it’s easy to be shortsighted and say, “Well, my equity’s going to keep growing. Why would I sell you a piece of this?” But I counsel folks often to really think about what that long-term strategic partnership is and making somebody a real equity partner rather than just a vendor that provides you with technology and regulatory coverage. The other one I’d say is that… And this one’s really important to me, that business formation is far more important than your assets under management. Said a different way, the way you build your business is going to make your business far more valuable than the number of dollars underneath your name. And what I mean by that is, just to use an example, a sophisticated, well-built, centralized, scalable and repeatable business, whether it’s an RIA with a broker-dealer that is going to fetch a far higher M&A multiple than a OSJ that’s five times the size that just has a bunch of 1099 independent advisors underneath the umbrella. What we’ve seen in the M&A space is that if you’re going to shell out 50, 60, $80 million for somebody’s business, you want to know that you have this business for the long term. So I would certainly counsel people that have been around maybe far longer than me to take a look at how you’re building this and put together a business plan on what those next 10 years should look like and not necessarily fall into the trap where your only revenue source is the override that you receive from a firm and then you in turn pay to the advisors on your team. Louis Diamond: Well said. I really like that line. We’d probably do a whole episode on what are the tips and tricks for building a business with the end in mind? Like the Covey quote, “Begin with the end in mind.” Transitions are like… They’re a bear. I mean, there’s no way to sugarcoat it. Advisors, when they hear transition, if you ask them, “Don’t think about it, give me your reaction.” “Terrible, risky, a lot of work. I’ll never do it again. My friend did it and it was terrible. What if my clients don’t come?” It’s all these negative emotions. And in many cases, I don’t blame an advisor because it is a big act. But to me, if someone is weighing making a transition, whether a wholesale business model change going from being an employee to being independent, going from being an advisor at an independent BD to starting an RIA, or even going independent BD to independent BD, it’s an opportunity if you rise to the occasion to build with this next act with intentionality. So whether it’s restructuring compensation for your team, converting people from 1099 to W2, putting in place new workflows, changing how investments, instead of it being each individual advisor doing investments to more of a centralized model, cleaning up workflows, really investing in data, investing in AI. It’s something that I think, again, we can have a whole episode on it, but I think it’s a great one. Build the business the right way. And obviously, businesses that are larger, theoretically, sell for more, but we’ve certainly seen businesses that are half the size of a larger one sell for a similar amount or more because they did all the right things and the larger one did the things that really turn off a buyer or detract from a valuation. Let me give you one more and tell me if you agree, but I think we’re in this moment when Altruist, the upstart, a new kid on the block custodian, they launched a basically tokenization of cash in a way to automatically agentically source or sort cash to the highest yielding money market. And you’re like, “This is fricking wonky. Louis, why are you telling us this?” I think this is an important one just to keep a watchful eye on. I have no idea how this is going to shake out, but really the biggest way that independent BDs or even custodians like Schwab and Fidelity really make money, it’s not on their overrides from practices or the admin fee or the custody fee. It’s really on net interest margin. So how much the broker-dealer or the firm is making on client cash and brokerage accounts relative to what they’re paying out the client. It’s essentially like free margin to these firms. And this concept, I think, has massive potential for disruption for the business model. Again, I don’t know what it’s going to look like, whether it means platform fees that are instituted at all these firms, whether it means certain models would be more beneficial than others, whether it means nothing’s going to change, which is probably the right answer given this industry. But it’s something to keep a watchful eye on just if your firm institutes a new platform fee or there’s a fundamental way in which your firm can no longer make money. How are they going to make it up? Are they now going to be uncompetitive? They’re not going to have as much scale or profits to invest in the platform. Is it going to cause even more consolidation in the industry? So to me, that’s the one pretty under the radar, pretty wonky storyline that I don’t think enough people are talking about, but has the biggest possibility for disruption across their space than anything I’ve seen in a while. Joshua Tomolak: Sure. That’s the whole iceberg. Not a lot of people are talking about it. It’s not poking out of the ocean, but it’s going to be continuously brought up. I think it’s a question that a lot of advisors are going to have to ask these firms. And at the end of the day, the firms aren’t the bad guys. They have to make money too to provide a quality product. So where the money comes from matters. Louis Diamond: Exactly. Josh, this has been awesome. I learned a lot talking with you and just having your objective consulting hat on what I think are really the differences between IBD and RIA and some of the key trends and storylines to watch has been instrumental. I’ll also give a plug that on our website and we’ll link to it in the show notes, we have a really helpful one-page reference guide going through the differences between independent BDs or IBDs and RIAs. So feel free to click on it. We’ll make sure it gets in your inbox. Josh, thanks again for joining us today. Joshua Tomolak: Yeah, thanks for having me, Louis. It was a pleasure. Mindy Diamond: As a financial advisor, you hold yourself to the highest standards of integrity, honesty, and credibility. You are successful because you take your professional responsibilities seriously and are dedicated to your clients. But are you living your best business life? Are your goals aligned with your firms or could a better option exist? Should I stay or Should I Go? is a book written with you in mind. It’s a self-guided journey that walks you through the key steps that we take with our advisor clients. This strategic thought process and roadmap to professional self-discovery is designed to help you ask the right questions and think critically and objectively whether you’re considering change or not. Learn how to get your copy at diamond-consultants.com/thebook. IBD vs. RIA: A Special Industry Update on Independence A conversation with Louis Diamond and Josh Tomolak, Vice President of Independent Advisor Services at Diamond Consultants.      Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is IBD vs. RIA: A Special Industry Update on Independence. It’s a conversation with Josh Tomolak, our Vice President of Independent Advisor Services. I’m Louis Diamond, and this is the Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at (908) 879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual advisor transition report. It’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond: For a long time, going independent would suggest the destination. Today, it’s often the beginning of a different conversation. As the independent space has matured, advisors have more choices than ever before. Broker-dealers have expanded their capabilities. The RIA ecosystem has become increasingly sophisticated. Capital is more readily available and support models now exist that would’ve been difficult to imagine a decade ago. The result is that many advisors who are already independent are taking a fresh look at whether their current affiliation still aligns with what they’re trying to build. My guest is Josh Tomolak, Vice President of Independent Advisor Services here at Diamond Consultants and our resident expert on independence. Josh spends his days helping advisors evaluate independence in all its forms from independent broker dealers, the fully independent RIAs and everything in between. And his knowledge is critical because the distinction between these models is often blurred. Many broker dealers now offer pathways to greater autonomy while supported independence has made RIA ownership more accessible than ever before. So the question is no longer simply, “Do I want to go independent?” The question is, “What kind of independence makes the most sense for client, business, and go

Anthony Sar, Co-founder and CEO of Finoverse and the driving force behind Hong Kong Fintech Week, joins Theo on One Vision to share the story behind one of Asia's most iconic innovation gatherings. From a bar conversation about hitting 5,000 attendees (when they had 300) to welcoming 45,000 people from 120+ economies at their 10th anniversary, Anthony reflects on what it takes to build something that genuinely keeps people in the room.At the center of the conversation is Samantha, built in-house by Finoverse. She acts as your personal AI networking agent. She interviews you, learns what you're looking for, and makes introductions at scale. After a successful pilot at last year's FinTech Week as well as the recent Genesis Festival, Samantha will return to Hong Kong FinTech Week 2026 this November.  This year's conference is aptly themed Fintech Nexus: Bridging the World, Building the Future. It is a rallying call to drive connectivity and collaboration across global and Chinese Mainland markets, at a time when the world feels more fragmented than ever.One World, One Planet. This episode invites us to come together to foster collaboration for a more inclusive financial services ecosystem for everyone. 

On this episode, Laolu, Furo, and Nosa are joined by Nnanna from Fintech is Easy to unpack Zap's expansion into airtime and data, Moniepoint's Kenya play, and what the recent fundings and acquisitions mean for the ecosystem.They also discuss Zpay's licence revocation in Ghana, the CBN's latest regulatory changes, Lemfi's evolving strategy, and other industry bits._We love hearing your thoughts! Find us on X (@TheOAPod) and Instagram (@openafricapod) and tag us in your conversations. Hosted on Acast. See acast.com/privacy for more information.

José Antonio Esteban, CEO de IronIA Fintech, analiza en nuestro programa las competiciones Pedro Gómez que tiene la compañía y de cómo funcionan las carteras modelo. “Con la cartera modelo seleccionamos una serie de fondos y le asignamos un porcentaje”, afirma el invitado. Además, destaca que “también sirve para las aportaciones periódicas o destinar dinero en el porcentaje que pone el cliente”. Además también nos explica que sirven para las competiciones que tiene la compañía, que ahora tiene activa la competición Pedro Gómez. ¿Qué premios pueden ganar los participantes? Tal como nos explica el entrevistado, “el cliente puede ganar un chaleco de la marca y solo hay que demostrar que la cartera que se ha creado es buena y diversificada”. ¿Qué propósitos y para que le sirven a la compañía estas competiciones? “Pensamos que un buen ejemplo siempre sirve para ayudar a aprender”, destaca el CEO de IronIA Fintech. Además, dice que “a pesar de que se habla mucho de educación financiera, existen muy pocos sitios en los que se puede poner en práctica sin necesidad de utilizar el propio dinero”. Nos explica que IronIA “es uno de esos sitios donde el usuario puede poner en práctica la educación financiera sin poner su dinero”. En las competiciones, nos detalla, el participante “crea una cartera modelo y compite con otras carteras modelo”. ¿Cómo es el perfil del cliente de IronIA Fintech? “Nosotros comenzamos con un perfil tremendamente técnico”, nos afirma José Antonio Esteban. También nos dice que “eran personas que tenían mucho conocimiento, sirvió entonces para consolidar la plataforma”. Eso sí, nos apunta que “ese perfil se ha ido transformándose en personas que tenían menos conocimiento y necesitaban otras soluciones”. Para él, hay tres grupos diferenciados: los “frikis financieros”, las personas que tienen conocimiento y lo aumentan a través del uso de la plataforma y el tercero que lo único que quieren, según él, “quieren algo sencillo que les permita invertir”.

Neste episódio do Fintech Talks, conversamos com Fernando Gonçalves, CEO e fundador da Bliss, sobre como a inteligência artificial está transformando a distribuição de planos de saúde no Brasil. Fernando conta sua trajetória passando pela Bain, Nubank e Loft até criar a insurtech, que acaba de captar uma rodada Series A e já figura entre as maiores plataformas de vendas de planos de saúde para PMEs do país.Ao longo da conversa, discutimos as ineficiências do mercado de saúde suplementar, os desafios da distribuição, o papel dos corretores e como agentes de IA estão automatizando processos, reduzindo fraudes e aumentando a produtividade sem substituir o relacionamento humano. Também falamos sobre o futuro da IA no setor, os impactos regulatórios, escalabilidade, modelos de negócio e como a tecnologia pode ampliar o acesso aos planos de saúde ao reduzir custos e fricções.Uma conversa para quem acompanha inovação em saúde, inteligência artificial, insurtechs e a evolução da infraestrutura do mercado financeiro e de seguros.Confira!

Send money home with Taptap Send and use promo code FIGURINGOUT on your first transfer to receive a bonus.This offer is available to new users only. Users in the US and Canada must send 100 or more on their first transfer to qualify for the bonus.Bonus amounts:USA: $20 USDCanada: $20 CADEuropean Union: €10United Kingdom: £10Australia: $30 AUDTo view the full list of supported countries and terms, visit: https://www.taptapsend.com/enGet your hand-picked playbook here: https://www.figuringout.co/pdf/fo-542Check out Friends: https://amzn.in/d/06nXryK5Guest Suggestion Form: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://forms.gle/bnaeY3FpoFU9ZjA47⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Disclaimer: This video is intended solely for educational purposes and opinions shared by the guest are his personal views. We do not intent to defame or harm any person/ brand/ product/ country/ profession mentioned in the video. Our goal is to provide information to help audience make informed choices. The media used in this video are solely for informational purposes and belongs to their respective owners.(00:00) - Intro(03:24) - India's "Live-In Relationship" Foreign Policy Explained(05:46) - India's Seven Key Strategic Partners(18:50) - Japan: A "Brotherly" Relationship & Countering China(23:58) - How Japan & India Can Offer an Alternative to China's Belt and Road(26:42) - China's "Debt Trap" Diplomacy vs. Japan's Approach(28:47) - India's Non-Dominating Foreign Policy & Civilizational Roots(52:02) - The United States: A Deep but Complicated Partnership(57:17) - Why the US-India Relationship Struggles in India's Neighborhood(1:05:29) - France: Why It's India's Most Trusted Western Partner(1:15:23) - UAE: India's Fastest-Growing & Most Open Partnership(1:22:33) - How the World Really Ranks India Among Its Priorities(1:26:29) - BTS(1:26:51) - OutroIn today's episode, we sit down with Sreeram Chaulia, Professor & Dean at the Jindal School of International Affairs, a foreign affairs expert, author, and TV show host who has spent years decoding how nations actually think and behave on the world stage.Follow Sreeram Chaulia Here:Instagram: https://www.instagram.com/sreeramchaulia/LinkedIn: https://www.linkedin.com/in/dr-sreeram-chaulia-b6164110/ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠About Raj ShamaniRaj Shamani is an Entrepreneur at heart that explains his expertise in Business Content Creation & Public Speaking. He has delivered 200+ speeches in 26+ countries. Besides that, Raj is also an Angel Investor interested in crazy minds who are creating a sensation in the Fintech, FMCG, & passion economy space.To Know More,Follow Raj Shamani On ⤵︎Instagram @RajShamani ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/rajshamani/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter @RajShamani ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/rajshamani⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook @ShamaniRaj ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/shamaniraj⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn - Raj Shamani ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/rajshamani/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠About Figuring OutFiguring Out Podcast is a Candid Conversations University where Raj Shamani brings raw conversations with the Top 1% in India.

Checkout is getting faster, smarter, and more invisible, but the stakes feel more human than ever. We talk with Jaime Hawkins, Managing Director, North America at Ingenico, about what it takes to build technology that quietly works in the background while people stay front and center. From her roots in industrial engineering to years of client-facing operations, Jaime explains how process thinking and data analytics shaped her into a different kind of commercial leader and why one mentor's blunt advice changed the direction of her career.We also dig into what is actually powering modern commerce: not only sleek payment terminals, but platforms and open API integrations that help partners reduce complexity and build tailored point of sale experiences. Jaime shares why payments are “no longer just about taking a payment” and how merchants can turn everyday interactions into actionable intelligence, from understanding customer behavior to improving store performance and delivering personalization like loyalty snapshots and targeted offers.Trust is the thread running through everything. As embedded payments, digital wallets, automation, and even digital assets evolve, Jaime argues that innovation must move hand in hand with security and confidence or commerce starts to crack. Looking forward, we explore the shift from physical hardware to digital interactions driven by biometrics, AI, IoT, and conversational commerce, and what merchants risk losing as the checkout moment gets thinner and thinner.

Au programme :Cette semaine, Patrick continue ses vacances bien méritées et confie le micro à Cédric Ingrand ! Pour l'accompagner dans cette émission au cœur de l'actualité tech, nous recevons un invité d'exception : Jean-Baptiste Kempf, président de VideoLAN (VLC), fondateur de Kyber et hôte du podcast À la French.Ensemble, ils décortiquent la panique qui s'empare des géants de la Tech face à la déferlante des modèles d'IA en Open-Weight, l'explosion des coûts d'infrastructures et les réalités du marché – présent et futur – de l'IA.Au programme :L'Open-Weight qui fait trembler la Big Tech : Avec la sortie de Kimi K3 (Moonshot AI), les modèles ouverts rattrapent les modèles propriétaires à une vitesse folle. Pourquoi OpenAI et Anthropic font du lobbying à Washington pour tenter de fermer la porte derrière eux.Le mur de la RAM et les milliards du Cloud : Des data centers de 1 Gigawatt alimentés par des centrales nucléaires, des garanties de prêts pharaoniques chez Nvidia et une pénurie mondiale de mémoire RAM partie pour durer jusqu'en 2028-2030. L'industrie est-elle en train de créer une surcapacité, au prix d'une bulle à venir ?L'IA en entreprise, entre mythe et réalité : Pourquoi la majorité des projets d'IA plafonnent sur le terrain face à la bureaucratie, aux hallucinations et aux contrôles qualité.Secousse sur la sécurité et coups de com' : Retour sur l'épisode OpenAI / Hugging Face et la mise en scène des failles de sécurité.Souveraineté, puces et massicot : L'état du marché des puces avec ASML, la tentative d'autonomie de la Chine, et l'histoire édifiante d'Anthropic qui achète et découpe des millions de livres physiques pour entraîner ses modèles.En bref :Smartphones & Pliables : L'impact de l'inflation des composants sur les prix des smartphones (Samsung Z8) et les nouveaux modèles d'abonnement / leasing chez Apple.X Money : Elon Musk retente le coup de la banque en ligne sur X.Robotique & Contrôle à distance : Un coup d'œil sur Kyber, la nouvelle aventure de Jean-Baptiste Kempf.Infos :Animé par Cédric Ingrand (Twitter et Bluesky).Co-animé par Jean-Baptiste KempfProduit par Patrick Beja (LinkedIn) et Fanny Cohen Moreau (LinkedIn).Musique libre de droit par Daniel BejaLe Rendez-vous Tech épisode 676 – L'IA entre modèles ouverts et chasse gardée---Liens :Soutien :

What's up fraud fighters, and welcome back to Fraud Forward!I always say fraud is a team sport, and this episode is exactly why.I recorded these conversations live from the ACFE fraud conference in Boston, sitting down with five fraud fighters who each bring a completely different piece of the puzzle. Law enforcement. Banking. Government. Fintech. BSA. Investigations. Every single one of them came back to the same point: we cannot fight fraud alone, and the silos we work in are one of the biggest advantages we are handing to fraudsters.Marc Evans opened the conversation by making the case that fraud analyst training has to be rooted in real cases, not theory. Linda Miller followed with one of the most honest takes of the day: the organizations waiting for regulatory guidance before building their AI governance frameworks are already behind. Tracy Swaim added something I had never heard framed so cleanly, that document fraud is a context problem, not a technology problem. And Dustin Eaton brought it back to the data: clean, collective information is the edge, and fraudsters are counting on us not having it.Jen Lamont closed it out with a reminder that hit close to home. For every fraud fighter who cannot make it to a conference like this, the knowledge is still out there. Podcasts, white papers, LinkedIn, local and international fraud associations. This community is one of the most generous there is.And if there is one thing I took away from all five conversations, it is this: fraudsters share everything with each other. Until we do the same, we are always playing catch-up.What you'll hear in this episode:Why the ACFE fraud conference brings together fraud fighters from banking, government, law enforcement, fintech, and investigations under one roofHow cross-sector fraud prevention helps organizations identify emerging threats fasterWhy breaking silos in fraud is one of the biggest opportunities facing our industry right nowWhat Marc Evans has learned training new fraud analysts using real investigations and holistic case dataWhy AI governance is outpacing organizational readiness, and what Linda Miller says financial institutions should do before regulations catch upHow Tracy Swaim reframes document fraud detection around interrogating context rather than authenticating the document itselfWhy clean and connected data is the foundation of effective AI-driven fraud prevention, according to Dustin EatonHow Jen Lamont approaches fraud analyst training, mentorship, and continuous learning for fraud teams at every levelCareer advice for new fraud fighters from five professionals who have built careers across every corner of this industryYou should listen to this episode if you:Attend fraud conferences and want practical ideas you can bring back to your teamLead a fraud, investigations, risk, or financial crimes program and want to strengthen cross-sector fraud preventionAre responsible for fraud analyst training or new fraud analyst onboardingWant to understand how AI governance and deepfake document fraud are reshaping the threat landscapeAre early in your fraud career and want honest advice from professionals across banking, government, law enforcement, and fintech

In the 251st BlockTalks we speak with João Alves, co-founder of Bleap, to discuss how blockchains are rewiring fintech on-chain.Links: Website: https://www.bleap.finance/X: https://x.com/BleapAppLinkedIn: https://www.linkedin.com/company/bleapappTelegram: https://t.me/+x9IHkcVqcxcyNjVkSubstackhttps://substack.com/@blockdrops?r=1gv7gw&utm_campaign=profile&utm_medium=linkedinAll of BlockTalks:https://open.spotify.com/playlist/2kC88UznBpwM03SKCGQeSgSocials and comms.. Email info@blockdropspodcast.xyz.. Website ⁠https://blockdropspodcast.xyz/⁠.. Substack ⁠https://blockdrops.substack.com⁠ .. Twitter ⁠Twitter.com/blockdropspod⁠.. Instagram ⁠Instagram.com/blockdropspodcast⁠.. YouTube ⁠youtube.com/@BlockDropsPodcast⁠.. Twitter ⁠twitter.com/0xmauricio⁠.. LinkedIn Newsletter ⁠https://www.linkedin.com/build-relation/newsletter-follow?entityUrn=7056680685142454272⁠

How is finance changing in the contemporary world? In FinTech Capital: The Digital Transformation of Everyday Money and Finance (Princeton University Press, 2026), Paul Langley, a Professor of Economic Geography at Durham Universityand Andrew Leyshon, a Senior Fellow in the Centre for Economy, Policy and Place, Nottingham Trent University and Emeritus Professor of Economic Geography at the University of Nottingham, chart the rise of a new form of capitalism in the digital age. Drawing on detailed case studies from across the world, from familiar everyday examples such as Klarna to continent-spanning institutions such as Standard Bank, the book theorises the dynamics of this new moment in global capitalism. Of interest across the social sciences, the book will be essential reading for anyone seeking to understand money today. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/technology

Plus, Boeing logs another quarterly loss amid spending push on new Air Force One jets. And, PayPal's CEO says he's open to evaluating sale offers, while focusing on the company's turnaround plan. Alex Ossola hosts. Sign up for WSJ's free What's News newsletter. An artificial-intelligence tool assisted in the making of this episode by creating summaries that were based on Wall Street Journal reporting and reviewed and adapted by an editor. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

How is finance changing in the contemporary world? In FinTech Capital: The Digital Transformation of Everyday Money and Finance (Princeton University Press, 2026), Paul Langley, a Professor of Economic Geography at Durham Universityand Andrew Leyshon, a Senior Fellow in the Centre for Economy, Policy and Place, Nottingham Trent University and Emeritus Professor of Economic Geography at the University of Nottingham, chart the rise of a new form of capitalism in the digital age. Drawing on detailed case studies from across the world, from familiar everyday examples such as Klarna to continent-spanning institutions such as Standard Bank, the book theorises the dynamics of this new moment in global capitalism. Of interest across the social sciences, the book will be essential reading for anyone seeking to understand money today. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

Featuring Mitch Avnet, Founder & Managing Partner of CRC-Oyster, and Devin Sullivan, Deputy General Counsel at Altruist.Fintech is at an inflection point. More companies are stepping into regulated territory: standing up broker-dealers, registering as investment advisers, and building the infrastructure regulators expect from day one.In Episode 2 of Built to Scale, we sat down with Mitch Avnet, who guides tech-enabled firms through registration and operational build-out, and Devin Sullivan, a former SEC rulemaking attorney whose in-house career runs through Robinhood, AngelList, Cash App, and now Altruist.CRC-Oyster: Compliance Risk Concepts / Oyster Consulting

How is finance changing in the contemporary world? In FinTech Capital: The Digital Transformation of Everyday Money and Finance (Princeton University Press, 2026), Paul Langley, a Professor of Economic Geography at Durham Universityand Andrew Leyshon, a Senior Fellow in the Centre for Economy, Policy and Place, Nottingham Trent University and Emeritus Professor of Economic Geography at the University of Nottingham, chart the rise of a new form of capitalism in the digital age. Drawing on detailed case studies from across the world, from familiar everyday examples such as Klarna to continent-spanning institutions such as Standard Bank, the book theorises the dynamics of this new moment in global capitalism. Of interest across the social sciences, the book will be essential reading for anyone seeking to understand money today. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/critical-theory

How is finance changing in the contemporary world? In FinTech Capital: The Digital Transformation of Everyday Money and Finance (Princeton University Press, 2026), Paul Langley, a Professor of Economic Geography at Durham Universityand Andrew Leyshon, a Senior Fellow in the Centre for Economy, Policy and Place, Nottingham Trent University and Emeritus Professor of Economic Geography at the University of Nottingham, chart the rise of a new form of capitalism in the digital age. Drawing on detailed case studies from across the world, from familiar everyday examples such as Klarna to continent-spanning institutions such as Standard Bank, the book theorises the dynamics of this new moment in global capitalism. Of interest across the social sciences, the book will be essential reading for anyone seeking to understand money today.

How is finance changing in the contemporary world? In FinTech Capital: The Digital Transformation of Everyday Money and Finance (Princeton University Press, 2026), Paul Langley, a Professor of Economic Geography at Durham Universityand Andrew Leyshon, a Senior Fellow in the Centre for Economy, Policy and Place, Nottingham Trent University and Emeritus Professor of Economic Geography at the University of Nottingham, chart the rise of a new form of capitalism in the digital age. Drawing on detailed case studies from across the world, from familiar everyday examples such as Klarna to continent-spanning institutions such as Standard Bank, the book theorises the dynamics of this new moment in global capitalism. Of interest across the social sciences, the book will be essential reading for anyone seeking to understand money today. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/science-technology-and-society

How is finance changing in the contemporary world? In FinTech Capital: The Digital Transformation of Everyday Money and Finance (Princeton University Press, 2026), Paul Langley, a Professor of Economic Geography at Durham Universityand Andrew Leyshon, a Senior Fellow in the Centre for Economy, Policy and Place, Nottingham Trent University and Emeritus Professor of Economic Geography at the University of Nottingham, chart the rise of a new form of capitalism in the digital age. Drawing on detailed case studies from across the world, from familiar everyday examples such as Klarna to continent-spanning institutions such as Standard Bank, the book theorises the dynamics of this new moment in global capitalism. Of interest across the social sciences, the book will be essential reading for anyone seeking to understand money today. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/finance

Checkout ASUS ExpertBook P Series: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.flipkart.com/asus-expertbook-core-ultra-store⁠⁠Get your hand-picked playbook here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.figuringout.co/pdf/fo-541Guest 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/0029VaokF5x0bIdi3Qn9ef2J⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠(00:00) - Intro(03:25) - Why People Cheat(07:06) - What Is Mother's Touch Starvation?(11:11) - Why Men Struggle With Touch & Emotional Support(24:18) - Do Women Actually Want Aggression?(37:01) - Why Teens Like Older Women & Older Men Like Younger Women(42:08) - The Dopamine Science of Falling in Love(49:25) - Why Workplace Affairs Happen(52:38) - Why Red Flags Predict Better Relationships Than Green Flags(1:04:24) - Why We Get Bored in Relationships (Monkey Branching)(1:16:51) - Is Dating Harder for Men or Women Today?(1:20:28) - The Science of the "Ick"(1:24:47) - Do Rich Men Have an Unfair Dating Advantage?(1:33:54) - Red Pill, Black Pill & Green Pill(1:47:21) - Why Nothing Seems to Work(1:55:00) - Can You Make Someone Fall in Love With You?(1:58:14) - The Science of Charisma(2:03:18) - Feedback for Raj(2:06:35) - OutroIn today's episode, we sit down with Dr. K - MD, MPH, Psychiatrist & President of Healthy Gamer for a raw, science-backed conversation about how we actually love, and why we so often get it wrong.Follow Dr. K Here: Website: https://www.healthygamer.gg/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠About Raj ShamaniRaj Shamani is an Entrepreneur at heart that explains his expertise in Business Content Creation & Public Speaking. He has delivered 200+ speeches in 26+ countries. Besides that, Raj is also an Angel Investor interested in crazy minds who are creating a sensation in the Fintech, FMCG, & passion economy space.To Know More,Follow Raj Shamani On ⤵︎Instagram @RajShamani ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/rajshamani/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter @RajShamani ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/rajshamani⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook @ShamaniRaj ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/shamaniraj⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn - Raj Shamani ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/rajshamani/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠About Figuring OutFiguring Out Podcast is a Candid Conversations University where Raj Shamani brings raw conversations with the Top 1% in India.

In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Seth Moran, SVP, General Manager of Digital Banking and Strategic Markets at Equifax, to explore the evolving landscape of fraud and credit risk. Seth explains how synthetic fraud is exploiting new entry points through deposit accounts, how AI has dramatically lowered the barrier for fraudsters to create sophisticated synthetic identities, and why financial institutions may be struggling to accurately classify losses between fraud and credit risk. The conversation also covers how Equifax is helping banks build a more complete view of the customer by integrating fraud and credit risk assessment across the entire lifecycle, and how AI is enabling institutions to drive operational efficiencies while strengthening their defences. Finally, Paul and Seth look ahead at the emerging trends shaping the industry and what risk leaders should be prioritising as we move through 2026. ----------------------------------------------------------------------- ABOUT FINTECH FUTURES FinTech Futures is the #1 provider of global fintech news and intelligence. With a mission to empower the financial technology community, we bring you the latest updates and thought leadership from across the industry. From startups to established players, we cover the entire fintech ecosystem. Stay Connected with FinTech Futures: Visit our website: www.fintechfutures.com Follow us on LinkedIn: www.linkedin.com/company/fintechfutures/ Sign up to our newsletter: www.fintechfutures.com/newsletter Subscribe to our channel: www.youtube.com/@FinTechFutures

How is finance changing in the contemporary world? In FinTech Capital: The Digital Transformation of Everyday Money and Finance (Princeton University Press, 2026), Paul Langley, a Professor of Economic Geography at Durham Universityand Andrew Leyshon, a Senior Fellow in the Centre for Economy, Policy and Place, Nottingham Trent University and Emeritus Professor of Economic Geography at the University of Nottingham, chart the rise of a new form of capitalism in the digital age. Drawing on detailed case studies from across the world, from familiar everyday examples such as Klarna to continent-spanning institutions such as Standard Bank, the book theorises the dynamics of this new moment in global capitalism. Of interest across the social sciences, the book will be essential reading for anyone seeking to understand money today. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/book-of-the-day

Episode Summary Michelle opens with the question a lot of solo PR pros have been quietly asking themselves: if I call myself a communications generalist on my website right now, am I costing myself money? Karen's answer is immediate — not 'am I?' but 'you already are.' What follows is a data-driven, practically grounded conversation about the specialization economy: the growing body of research across the freelance and independent consulting world in 2026 that shows generalists getting squeezed and specialists pulling away. Karen and Michelle aren't just reporting a trend — they're translating it specifically for PR and communications practitioners who've never had anyone apply this research to their work. The episode covers the bimodal income distribution hiding inside freelance averages, the vertical-horizontal framework for finding your niche, four common objections to specializing (with honest answers to each), a three-question filter for identifying your niche, and the metric-capturing habit that makes specialization pay off over time. This is a conversation for the solo practitioner who has 'I do everything' on their website tonight — and might be ready to change it. Episode Highlights [00:03] The Opening Question That Frames Everything: Michelle opens before the intro music with a direct question to Karen: if she calls herself a communications generalist on her website right now, is she costing herself money? Karen's answer: not 'am I?' but 'you already are.' The episode's premise is immediate and personal — and Karen and Michelle make clear they're talking to themselves too. [01:05] The Specialization Economy: What the Data Shows: Freelance and independent consulting data in 2026 is pointing in the same direction across multiple sources: generalists are getting squeezed and specialists are pulling away. The average US freelancer earning rate hides what Karen calls 'a canyon' — generalist content and writing on the low end, specialists in high-demand niches billing well over $100 an hour on the high end. Almost nobody is actually earning the average. The floor is dropping for generalized skills; the ceiling is rising for specialized ones. Karen's framing: the middle — 'I'm pretty good at a lot of things' — is where people get stuck. Note: some figures referenced in this episode are still working through the show's verification process; sourcing details will be linked in the resources section as they are confirmed. [04:13] Why Specialization Wins: The Practical Case, Not the Philosophical One: The argument for specializing isn't philosophical — it's structural. A generalist PR consultant competes with an enormous pool of other generalist PR consultants. Someone who specifically handles crisis communications for mid-size healthcare systems competes with a much smaller, more identifiable group. Smaller pool, higher rates, and — critically — the client doesn't have to explain their industry from scratch. That last point is underrated: starting a client engagement already fluent in their world, their vocabulary, and their stakeholders is worth real money. Karen also flags a related shift: companies are increasingly requiring proof of impact before hiring specialists, not just portfolios. That proof is much easier to produce when you've done the same kind of work for the same kind of client repeatedly. [06:40] The Vertical-Horizontal Framework: What Niching Actually Means in Practice: Karen and Michelle push back on the idea that niching just means picking an industry. The framework showing up across freelance research: pick a vertical (the industry — healthcare, legal, fintech, sustainability, professional services) and a horizontal (the service — media relations, crisis management, thought leadership, internal comms, funding round communications). Your niche is the intersection. Examples drawn from recent guests: Sharon Toerek does IP and marketing law for independent agencies. Kara Ryan came up through healthcare communications and built an advisor-led, AI-powered practice on top of that. Both dialed in the vertical and the horizontal. The practical test: once you say your niche out loud, it should stop sounding like a limitation and start sounding like a positioning statement. [09:06] The Filtering Benefit Nobody Talks About Enough: When you're specific, the wrong-fit inquiries mostly stop coming in. You stop getting the 'can you also just quickly help with our internal newsletter' request from an industry you don't want to be in. Positioning does some of your qualifying for you before the discovery call even happens. Karen and Michelle note this is deeply connected to scope creep — a topic worth its own episode. [10:02] Specialization Is an Income Stability Conversation, Not Just a Rate Conversation: Once you're known for a specific thing, you stop pitching one-off projects and start getting asked to stay. Broader freelance data shows a large majority of hiring managers plan to lean more on freelance and fractional talent for ongoing work — and that shift toward retainers happens specifically because specialists make ongoing relationships easy to justify. Nobody keeps a generalist on retainer. The FinTech thought leadership expert stays. The practical consequence: niching is often what makes the retainer conversation possible in the first place, and retainers solve the feast-or-famine cycle that most solo practitioners experience. [12:41] Four Objections — With Honest Answers: Karen and Michelle work through the four most common pushbacks they hear in the Solo PR Pro community. One: I'll turn away good work and go broke. Honest answer — there is a real ramp-up period of roughly six to twelve months; don't torch your existing client base overnight, shift new business conversations while honoring existing relationships. Two: my market is too small. Counter with math — a few hundred mid-sized healthcare systems in the country, you only need a handful of retained clients for a full solo practice; smaller pool of competitors is not the same as a smaller pool of clients. Three: I'll get bored. Flips the other way — as a generalist, every new client is a cold start; as a specialist, the energy goes into strategy instead of orientation. Four (the quiet one): what if I pick the wrong niche?  [16:16] The Three-Question Filter (Plus an Unofficial Fourth): A practical framework for identifying your niche. Question 1: Where do you already have an unfair advantage? Past industry experience, a network, credentials, lived experience — something that means you start ahead of a stranger walking in cold. Question 2: Where's the budget? You can be brilliant in a niche that simply doesn't spend on PR. Healthcare, legal, financial services, B2B tech consistently show up as categories with real comms budgets. Question 3: Can you say it in one sentence — and does that sentence make a stranger say 'I know exactly who needs you'? If it requires three qualifying clauses, it's not sharp enough yet. The unofficial fourth: are you willing to hold the line publicly? Your website, your LinkedIn, your pitch all need to stay consistent or the positioning won't do its work. [18:11] Running the Filter Live: The In-House Bank Example: Karen and Michelle run a hypothetical listener through the filter: six years in-house at a regional bank, now doing a bit of everything for small business clients. Unfair advantage: already fluent in financial services vocabulary, compliance, and regulatory relationships — most PR consultants would need a year to learn that. Budget: financial services and fintech are consistently well-funded for communications. One sentence: 'I help community banks and credit unions navigate media and regulatory communications.' Karen: say that at a conference and watch how fast someone says 'I know someone who needs that.' [20:28] How to Prove It's Working: The Metric-Capturing Habit: For every engagement going forward in your niche, capture one number — one sentence, one metric, one outcome. Not a dramatic case study, just: 'Positioned the founder as a category expert; three inbound press inquiries within a month of the first byline running.' Build a running document, whether in Notion, a notes app, or wherever your system lives. Michelle: build it into your closeout process for every wrapped engagement, and into every campaign, not just every full client relationship. Karen: future you will be very grateful. Related Episodes That Solo Life, Episode 343: Sharon Toerek on Legal Protection, IP, and Building a Specialized Practice That Solo Life, Episode 341: Kara Ryan on Going Solo After 20 Years in Healthcare Comms Resources & Additional Information Doers Circle: The Future of Freelancing in 2026: 8 Trends Solopreneurs Can't Ignore Venture Lab: 10 Freelancing Trends in 2026 (Rates, Niches, and Client Expectations) Solo PR Pro membership community: soloprpro.com That Solo Life podcast website: thatsololife.com Host & Show Info That Solo Life is a podcast created for public relations, communication, and marketing professionals who work as independent and small practitioners. Hosted by Karen Swim, APR, President of Solo PR Pro, and Michelle Kane, Principal of Voice Matters, the show delivers expert insights, encouragement, and practical advice for solo PR pros navigating today's dynamic professional landscape. Listen to all episodes and catch up on previous conversations at thatsololife.com. Did this episode inspire you? If you found value in this conversation, please take a moment to leave us a review on your favorite podcast platform. Your feedback helps us reach more solo pros just like you! Don't forget to subscribe so you never miss an episode.

Payments are getting smoother on the surface, but the real story is what happens underneath when something changes, breaks, or needs to scale fast. That's why our conversation with Ann Berkmeier, Chief Administrative Officer at Dash Solutions, centers on a simple idea with big consequences: companies don't scale by accident, they scale by design. From her early work in large-scale banking migrations to leading global transformation programs and now operating at the intersection of people, AI enablement, and strategy, Ann shares how to bring clarity to complexity without losing momentum.We talk about what “the future is human” looks like in the payments industry as automation accelerates. Faster and more seamless transactions are great, but experience is what leaders must keep front and center: simple, secure, reliable, and valuable for everyone involved. Ann also breaks down the trust equation in fintech and payments technology, including why the 1% of moments when payments do not go as planned is where accountability, communication, and ownership become the real differentiators.AI is the turning point, but not in the usual “do more tasks faster” way. Ann makes the case that the biggest impact of AI in payments is the opportunity to step back and redesign the company around what's now possible. We get practical about implementation too, including building AI as a team capability, rolling out tools thoughtfully, and prioritizing initiatives where they create better client, partner, and employee experiences. We also cover mentorship, leadership principles, and direct advice for the next generation of women entering payments and fintech.

Drop us a message!Data tells you what's happening. Empathy tells you why it matters… and the best social media strategies need both.In this episode of Social In 10, Giraffe Social Co-Founder and CEO Phil Treagus-Evans shares his take on human-first social media and what it really means to cater to an audience rather than just analyse them.Phil explores when marketers should prioritise storytelling over direct selling, and how to combine performance data with genuine empathy to create campaigns that resonate on a human level while still delivering measurable results.Want to be featured on the pod? Drop us a voice note on Instagram at @GiraffeSM.About Giraffe Social's Social in 10 PodcastGiraffe Social is a multi-disciplined digital marketing agency specialising in social media marketing based on the South Coast of the United Kingdom. We work with a wide range of industries, spanning from Fintech and L&D, to Beauty and Retail.Social in 10 is a weekly podcast about all things digital marketing. We discuss all the things social media managers want to know, including the latest platform updates, emerging trends, campaign ideas, and best practices to help you stay ahead of the curve. Whether you're managing multiple clients or growing your brand in-house, each episode is packed with actionable insights… all delivered in under ten minutes.Hosted by the Giraffe Social team, this is your fast, fun, no-fluff guide to making sense of social. New episodes every week, so tune in and level up your marketing game!

Anthony Sar, Co-founder and CEO of Finoverse and the driving force behind Hong Kong Fintech Week, joins Theo on One Vision to share the story behind one of Asia's most iconic innovation gatherings. From a bar conversation about hitting 5,000 attendees (when they had 300) to welcoming 45,000 people from 120+ economies at their 10th anniversary, Anthony reflects on what it takes to build something that genuinely keeps people in the room.At the center of the conversation is Samantha, built in-house by Finoverse. She acts as your personal AI networking agent. She interviews you, learns what you're looking for, and makes introductions at scale. After a successful pilot at last year's FinTech Week as well as the recent Genesis Festival, Samantha will return to Hong Kong FinTech Week 2026 this November. This year's conference is aptly themed Fintech Nexus: Bridging the World, Building the Future. It is a rallying call to drive connectivity and collaboration across global and Chinese Mainland markets, at a time when the world feels more fragmented than ever.One World, One Planet. This episode invites us to come together to foster collaboration for a more inclusive financial services ecosystem for everyone.

Colin Moss worked for more than 10 years at Mars, which produces some of the world's best-loved brands including Royal Canin, M&M's and Snickers. In this role, he partnered with the global Finance leadership team to design to stand up the new FinTech function, strengthening the connection between Finance and IT and leading a portfolio of 40+ initiatives, establishing resource and financial management disciplines (before that he was at famed confectionary maker Cadbury). In 2025 he took the leap to set up his own business, CM Strategies working  with organisations navigating growth and complexity, helping them redesign how the finance department partners with the business and builds capability .   His message about the function of FP&A is resonant and powerful: “One  of the ways that I've seen it described is that your business, and  leadership team is, is the “head”, and FP&A is the “neck” because FP&A is showing that team where to look. In this context, FP&A is helping what's the context we're operating in? What's the strategy that we're executing against? And what does that mean for where we focus? What do we put our attention on? And that can be showing up in what KPIs we look at, but also what processes we need to improve.?”   In this episode Path to creation of my own business (in a “hard to leave” business) Early audit roles as the foundation of my career My early lessons about business partnership at Cadbury and Mars  Lessons from global finance transformation at Mars including KPI design and management reporting Power of judgement in FP&A    Find out more about CM Strategies at  www.cmstrategies.co.uk

If you're building a fintech leadership team, start at tieronepeople.com - executive search for Fintech.Sam Everington joined Starling Bank ten years ago as one of its first twenty employees. He led the build of the technology that has made Starling a Fintech giant - 4.5 million customers and a 9% share of UK business banking. Mark Bernhardi leads Engine's growth across Australia and New Zealand, having previously held technology roles at Atlassian, nCino and Westpac. Both join Dexter Cousins on a special episode of Fintech Chatter Podcast recorded at the World Credit Union Conference in Sydney July 2026.Engine is the software business Starling spun out four years ago to license its platform to other banks. Sam and Mark explain how Engine gets banks like AMP live on a full core banking platform in under twelve months. They also discuss the opportunity for mutuals and credit unions to compete with much bigger banks and offer their customers the Starling Bank experience using technology platforms like Engine.Sam Everington LinkedIn: https://uk.linkedin.com/in/sameveringtonMark Bernhardi LinkedIn: https://au.linkedin.com/in/mark-bernhardiEngine by Starling: https://enginebystarling.comTier One People: https://tieronepeople.comDexter Cousins LinkedIn: https://www.linkedin.com/in/dextercousinsSend us Fan MailConnect on with Dexter Cousins on LinkedinHire Exceptional Fintech TalentSubscribe on LinkedIn

AI is racing into payments, but the uncomfortable truth is that speed without trust turns into risk fast. We sit down with Garima Chaudhary, VP of Financial Crime and Compliance AI at ThetaRay, to unpack what it really takes to modernize AML and sanctions compliance while keeping humans accountable for outcomes.Garima shares her career journey from engineering and operational risk into the high-stakes world of financial crime, where “follow the money” reveals both how economies grow and how criminal networks adapt. We get specific about why legacy rules-based transaction monitoring creates overwhelming false positives, and how behavioral AI can spot anomalies across customer segments and peer groups, improving detection without punishing legitimate people and small businesses with blunt, one-size-fits-all rules. Along the way, we talk about the human cost of financial crime and why compliance decisions can either protect vulnerable communities or unintentionally lock them out of the financial system.The theme “the future is human” shows up everywhere: explainable AI, human-in-the-loop review, and the governance and documentation needed to defend decisions to auditors and regulators. Garima also looks ahead to agentic payments, where AI agents buy and move money on our behalf, forcing a rethink of identity, delegated authority, and what “normal behavior” even means in fraud and AML models.If you care about fintech, payments innovation, and building compliant products that scale, this conversation will sharpen your thinking. 

What if you could prepare your e-commerce business for the future of AI without writing a single line of code?In this episode of B2B Vault: The Biz2Biz Podcast, Allen Kopelman sits down with Kumar Senthil, CEO of Firmly.ai, to discuss the rise of agentic commerce and how AI is changing the way customers discover and buy products online. Kumar shares how merchants can connect to AI-powered shopping channels, deploy intelligent shopping assistants, and increase sales—all without complex integrations.They also cover:What agentic commerce really meansHow AI shopping assistants improve customer experienceWhy zero-code implementation is a game changerAI security, payments, and the future of autonomous shoppingHow businesses can prepare for the next wave of e-commerce innovationWhether you're an online retailer, entrepreneur, payment professional, or AI enthusiast, this episode offers practical insights into where digital commerce is headed.

I don't view engineers being out of a job. I view software engineers finally coming back to a real job."I talked with Adrian Gutierrez, co-founder of Ledgre, on Startup Hustle this week. Ledgre is an AI-native accounting platform built specifically for real estate investors, putting agentic AI to work doing the bookkeeping instead of handing you one more piece of software to manage.Here's what you'll get out of it:⚡ Why he was the startup's bookkeeper by hand for a year before writing a line of product, and why doing things manually first is the shortcut⚡ Why AI didn't kill software engineering, it exposed that distribution and the value prop were always the hard part⚡ Why domain knowledge beat his development skills every time when getting Ledgre off the ground⚡ What running a startup as a digital nomad across Europe, Spain, and Argentina taught him about which problems are actually worth solving⏱️ Episode Breakdown00:42 Introduction to Adrian Gutierrez and Ledger01:04 Adrian's background in FinTech and PropTech00:49 The origin story of Ledgre and market gaps02:54 How AI is transforming property management tools04:11 Adrian's experience owning rental properties05:18 The importance of domain knowledge in product development06:18 Manual bookkeeping and workflow complexity07:15 Scaling wisely and understanding problems before automating08:24 The importance of iteration and customer feedback08:52 Challenges of outreach and building relationships10:16 Cold outreach and response rates11:03 The impact of AI on distribution and problem-solving12:10 AI exposing weaknesses in traditional software development13:36 Reviving software engineering practices with AI14:32 Shift in marketing and distribution roles15:55 Using AI for marketing and SEO automation17:22 AI's role in software development and team management21:10 Living as a digital nomad and its impact on business22:45 Traveling and understanding global fintech landscapes24:33 Financial and payment infrastructure differences worldwide25:13 The value of solving real problems in different markets25:48 How to learn more about Ledger and AdrianIf you're building a product, leading engineers, or working in fintech and proptech, this one is worth your time.Listen to the Startup Hustle podcast anywhere you listen to podcasts!Links & ResourcesConnect with Adrian Gutierrez on LinkedIn - https://www.linkedin.com/in/adrian--gutierrez/Ledgre Website - https://www.ledgre.ai/

In today's episode of the Consumer Finance Monitor Podcast, we are pleased to present an audio version of the webinar we conducted on May 27, 2026 examining the CFPB's revised final rule and its practical implications for banks, credit unions, FinTech companies, and other providers of small business credit. During this comprehensive discussion, our host, Alan Kaplinsky (founder, former Practice Group Leader for 25 years and now Senior Counsel of the Consumer Financial Services Group) was joined by his Ballard Spahr colleagues Richard Andreano and John Culhane, along with two distinguished guest panelists: Bradley Blower, Principal and Founder of Inclusive-Partners, LLC, and Louis Caditz-Peck, Executive Director of the Responsible Business Lending Coalition. Key Topics Discussed: ·        The most significant differences between the CFPB's original 2023 Section 1071 rule and the revised 2026 final rule. ·        Why the Bureau substantially increased the institutional coverage threshold from 100 to 1,000 covered originations. ·        The practical implications of narrowing the definition of a "small business," reducing the required data points, and excluding merchant cash advances and agricultural loans from coverage. ·        Whether the revised rule still fulfills Congress's objectives of promoting fair lending and improving transparency in the small business lending market. ·        The operational and technology challenges lenders should begin addressing now—even though compliance is not required until January 1, 2028. ·        How institutions can use Section 1071 data not only for compliance but also as a competitive business intelligence tool. ·        The potential fair lending, supervisory, and reputational risks created by the public availability of Section 1071 data. ·        The current status of litigation challenging the original Section 1071 rule and whether additional lawsuits challenging the revised rule are likely. ·        Predictions regarding how the rule may evolve over time, including whether future administrations could expand its scope in a manner similar to the evolution of HMDA reporting. Whether your institution expects to be covered by the revised rule or not, this discussion provides valuable insight into the future direction of small business lending regulation and offers practical guidance on how lenders should prepare now for the compliance, operational, and strategic issues that lie ahead. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

高昂的汇差损失、动辄数天的到账延迟，甚至遭遇无预警的账户冻结——这是无数全球化企业在传统跨境清结算中可能吞过的“苦果”。但在全球贸易加快的浪潮下，新的转机已至。随着稳定币技术的演进，行业告别单纯的投机炒作，向着更安全、更透明的下一代银行基础设施加速迈进。粗放型的野蛮生长已成过去，坚守合规与风控才是行业走得长远的唯一解。本期节目，我们邀请到Interlace创始人兼 CEO Michael Wu，深度拆解基于区块链技术的跨境交易结算逻辑。从跨境收钱到海外花钱，虚拟卡如何成为稳定币落地的关键桥梁？面对全球各地的不同监管框架，Fintech企业怎样把握稳健风控、建立高壁垒？随着AI支付时代来临，人与算法之间的信任瓶颈如何被打破？*本期访谈内容仅为行业交流与观点分享，不构成任何投资建议。01:51 从「小镇做题家」到「硅谷工程师」03:26 用前沿技术解决跨境清结算问题06:45 在义乌迸发的Fintech创业灵感09:58 小币种支付结算的特殊性13:56 反其道而行，“做好把钱花出去”19:31 复盘全球稳定币支付增长28:12 “让稳定币更好地被管理和使用”36:20 让AI学会安全付钱42:07 跨境支付创业启示43:44 评论区抽取5名听众送出精美周边《创业内幕》粉丝群已经开通，在这里，你可以跟节目制作人/主持人直接沟通，也可以第一时间了解到纪源资本线下活动动态，见到纪源资本的投资人，结交其他互联网圈子里的小伙伴。 入群方式：1）添加微信号“JiyuanFans”为好友，并在好友请求中标注“创业” 2）把你的全名和职称发给创业小助手；如果您想约访谈，请添加小助手微信，并附上访谈嘉宾简介，小助手将帮您对接。

In this new episode of One Vision Podcast, Paolo Sironi joins Theodora Lau to unveil his new book, Quantum Sapiens, a philosophical literary thriller on artificial intelligence, quantum gravity, and the origins of human consciousness. A burning question: Why now?We talk about the "I love you" problem and what happens when we attribute meaning to words that machines give us. Paolo invites us to think about the journey ahead of us before we walk through Alice's mirror. What do we need to carry with us? What do we leave behind? An exhilarating conversation about the present and future of technology that you won't want to miss. No PhD required.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Ashley M. Fox. Summary of the Interview In this episode of Money Making Conversations Masterclass, Rushion McDonald interviews Ashley M. Fox—former Wall Street analyst, Howard University alum, financial educator, and founder/CEO of Emplify, a fintech platform focused on making wealth‑building accessible to everyday people. Ashley shares her journey from working with ultra‑high‑net‑worth clients on Wall Street to becoming an entrepreneur determined to bring financial education and empowerment to communities traditionally excluded from wealth conversations. She discusses the creation of Amplify, her financial fall and recovery, her work in schools and prison systems, and how digital content has allowed her to scale her mission globally. The discussion emphasizes mindset, self‑belief, access, and a practical path to wealth, even starting with as little as $20. Purpose of the Interview The interview aims to: 1. Inspire financial empowerment Ashley explains how anyone—regardless of background or starting point—can begin building wealth and shift generational outcomes. 2. Demystify investing and wealth-building She breaks down how simple investing can be, the power of small consistent contributions, and how wealth isn’t limited to entrepreneurs or high earners. 3. Highlight her fintech platform Emplify She shares how Amplify democratizes financial education through online tools, community, and accessible investing classes. 4. Encourage a mindset shift Ashley stresses the importance of eliminating fear, building confidence, and using logic instead of emotion when making financial decisions. Key Takeaways 1. Wealth Begins with Belief and Mindset Ashley learned on Wall Street that the biggest difference between wealthy and non-wealthy people is not education—it's self-belief. Many people don’t believe wealth is possible for them because they've never seen it. 2. You Don’t Need a Lot of Money to Start Investing She urges people to start with $20, even buying fractional shares. It’s consistency—not starting amount—that builds wealth. 3. You Can Invest in Others’ Ideas—Not Just Your Own Building wealth doesn’t require launching a business. Buying stock is one of the easiest ways to participate in wealth creation. 4. Ashley’s Own Journey Included Failure After leaving Wall Street, she was evicted, slept on her parents’ couch for two years, and maxed out credit cards. Her purpose kept her going. 5. Financial Education Should Start Early She developed financial education programs for schools, prison systems, and everyday families because adults often learn too late. 6. Emplify Scales Wealth Education Her platform offers 300+ hours of videos and tools, helping members open 3,000+ investment accounts and invest $7.4M collectively. 7. Social Media Is Her Biggest Access Point Ashley reaches millions by being authentic, relatable, and consistent—meeting people where they are. 8. You Must Pay Yourself First Most people pay bills, companies, and creditors before investing in themselves. She emphasizes reversing that pattern. 9. Logic Over Emotion Wealth requires logical decision‑making, especially in the market. Emotional reactions undermine long-term financial growth. Notable Quotes (Taken From the Transcript) On Wealth Mindset “When you think and know and believe you have the power to create wealth and you deserve wealth, you move a different way.” “There is no president that can build the wealth that you can create for your family.” On Starting Small “You don't have to have a lot of money to start. You just have to have the will to begin.” “A whole lot of $20 can get you to a million—as long as you don’t stop.” On Investing “Consider the companies you give your money to and own them, because they are a lot cheaper than you think.” “If I’m helping you build a billion‑dollar business by using your products, I deserve a piece of the pie.” On Self-Reliance “You pay everybody… the bartender, the mortgage company—and you’re the one without money. Who’s going to worry about you?” On Purpose and Identity “My story never changed. The mission was always dedicated to the people I didn’t see coming into that building on Wall Street.” “Emplify is the movement. It just has my DNA.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Ashley M. Fox. Summary of the Interview In this episode of Money Making Conversations Masterclass, Rushion McDonald interviews Ashley M. Fox—former Wall Street analyst, Howard University alum, financial educator, and founder/CEO of Emplify, a fintech platform focused on making wealth‑building accessible to everyday people. Ashley shares her journey from working with ultra‑high‑net‑worth clients on Wall Street to becoming an entrepreneur determined to bring financial education and empowerment to communities traditionally excluded from wealth conversations. She discusses the creation of Amplify, her financial fall and recovery, her work in schools and prison systems, and how digital content has allowed her to scale her mission globally. The discussion emphasizes mindset, self‑belief, access, and a practical path to wealth, even starting with as little as $20. Purpose of the Interview The interview aims to: 1. Inspire financial empowerment Ashley explains how anyone—regardless of background or starting point—can begin building wealth and shift generational outcomes. 2. Demystify investing and wealth-building She breaks down how simple investing can be, the power of small consistent contributions, and how wealth isn’t limited to entrepreneurs or high earners. 3. Highlight her fintech platform Emplify She shares how Amplify democratizes financial education through online tools, community, and accessible investing classes. 4. Encourage a mindset shift Ashley stresses the importance of eliminating fear, building confidence, and using logic instead of emotion when making financial decisions. Key Takeaways 1. Wealth Begins with Belief and Mindset Ashley learned on Wall Street that the biggest difference between wealthy and non-wealthy people is not education—it's self-belief. Many people don’t believe wealth is possible for them because they've never seen it. 2. You Don’t Need a Lot of Money to Start Investing She urges people to start with $20, even buying fractional shares. It’s consistency—not starting amount—that builds wealth. 3. You Can Invest in Others’ Ideas—Not Just Your Own Building wealth doesn’t require launching a business. Buying stock is one of the easiest ways to participate in wealth creation. 4. Ashley’s Own Journey Included Failure After leaving Wall Street, she was evicted, slept on her parents’ couch for two years, and maxed out credit cards. Her purpose kept her going. 5. Financial Education Should Start Early She developed financial education programs for schools, prison systems, and everyday families because adults often learn too late. 6. Emplify Scales Wealth Education Her platform offers 300+ hours of videos and tools, helping members open 3,000+ investment accounts and invest $7.4M collectively. 7. Social Media Is Her Biggest Access Point Ashley reaches millions by being authentic, relatable, and consistent—meeting people where they are. 8. You Must Pay Yourself First Most people pay bills, companies, and creditors before investing in themselves. She emphasizes reversing that pattern. 9. Logic Over Emotion Wealth requires logical decision‑making, especially in the market. Emotional reactions undermine long-term financial growth. Notable Quotes (Taken From the Transcript) On Wealth Mindset “When you think and know and believe you have the power to create wealth and you deserve wealth, you move a different way.” “There is no president that can build the wealth that you can create for your family.” On Starting Small “You don't have to have a lot of money to start. You just have to have the will to begin.” “A whole lot of $20 can get you to a million—as long as you don’t stop.” On Investing “Consider the companies you give your money to and own them, because they are a lot cheaper than you think.” “If I’m helping you build a billion‑dollar business by using your products, I deserve a piece of the pie.” On Self-Reliance “You pay everybody… the bartender, the mortgage company—and you’re the one without money. Who’s going to worry about you?” On Purpose and Identity “My story never changed. The mission was always dedicated to the people I didn’t see coming into that building on Wall Street.” “Emplify is the movement. It just has my DNA.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Ashley M. Fox. Summary of the Interview In this episode of Money Making Conversations Masterclass, Rushion McDonald interviews Ashley M. Fox—former Wall Street analyst, Howard University alum, financial educator, and founder/CEO of Emplify, a fintech platform focused on making wealth‑building accessible to everyday people. Ashley shares her journey from working with ultra‑high‑net‑worth clients on Wall Street to becoming an entrepreneur determined to bring financial education and empowerment to communities traditionally excluded from wealth conversations. She discusses the creation of Amplify, her financial fall and recovery, her work in schools and prison systems, and how digital content has allowed her to scale her mission globally. The discussion emphasizes mindset, self‑belief, access, and a practical path to wealth, even starting with as little as $20. Purpose of the Interview The interview aims to: 1. Inspire financial empowerment Ashley explains how anyone—regardless of background or starting point—can begin building wealth and shift generational outcomes. 2. Demystify investing and wealth-building She breaks down how simple investing can be, the power of small consistent contributions, and how wealth isn’t limited to entrepreneurs or high earners. 3. Highlight her fintech platform Emplify She shares how Amplify democratizes financial education through online tools, community, and accessible investing classes. 4. Encourage a mindset shift Ashley stresses the importance of eliminating fear, building confidence, and using logic instead of emotion when making financial decisions. Key Takeaways 1. Wealth Begins with Belief and Mindset Ashley learned on Wall Street that the biggest difference between wealthy and non-wealthy people is not education—it's self-belief. Many people don’t believe wealth is possible for them because they've never seen it. 2. You Don’t Need a Lot of Money to Start Investing She urges people to start with $20, even buying fractional shares. It’s consistency—not starting amount—that builds wealth. 3. You Can Invest in Others’ Ideas—Not Just Your Own Building wealth doesn’t require launching a business. Buying stock is one of the easiest ways to participate in wealth creation. 4. Ashley’s Own Journey Included Failure After leaving Wall Street, she was evicted, slept on her parents’ couch for two years, and maxed out credit cards. Her purpose kept her going. 5. Financial Education Should Start Early She developed financial education programs for schools, prison systems, and everyday families because adults often learn too late. 6. Emplify Scales Wealth Education Her platform offers 300+ hours of videos and tools, helping members open 3,000+ investment accounts and invest $7.4M collectively. 7. Social Media Is Her Biggest Access Point Ashley reaches millions by being authentic, relatable, and consistent—meeting people where they are. 8. You Must Pay Yourself First Most people pay bills, companies, and creditors before investing in themselves. She emphasizes reversing that pattern. 9. Logic Over Emotion Wealth requires logical decision‑making, especially in the market. Emotional reactions undermine long-term financial growth. Notable Quotes (Taken From the Transcript) On Wealth Mindset “When you think and know and believe you have the power to create wealth and you deserve wealth, you move a different way.” “There is no president that can build the wealth that you can create for your family.” On Starting Small “You don't have to have a lot of money to start. You just have to have the will to begin.” “A whole lot of $20 can get you to a million—as long as you don’t stop.” On Investing “Consider the companies you give your money to and own them, because they are a lot cheaper than you think.” “If I’m helping you build a billion‑dollar business by using your products, I deserve a piece of the pie.” On Self-Reliance “You pay everybody… the bartender, the mortgage company—and you’re the one without money. Who’s going to worry about you?” On Purpose and Identity “My story never changed. The mission was always dedicated to the people I didn’t see coming into that building on Wall Street.” “Emplify is the movement. It just has my DNA.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

In this new episode of One Vision Podcast, Paolo Sironi joins Theodora Lau to unveil his new book, Quantum Sapiens, a philosophical literary thriller on artificial intelligence, quantum gravity, and the origins of human consciousness. A burning question: Why now?We talk about the "I love you" problem and what happens when we attribute meaning to words that machines give us. Paolo invites us to think about the journey ahead of us before we walk through Alice's mirror. What do we need to carry with us? What do we leave behind? An exhilarating conversation about the present and future of technology that you won't want to miss. No PhD required.

Sudarshan Sridharan, General Partner of SF1, shares his journey from building founder communities and operating startups to launching an early-stage venture capital firm focused on AI-native companies. He explains how he evaluates founders, why competence, integrity, and ambition matter more than polished pitches, and how artificial intelligence is reshaping the markets attracting venture capital. Throughout the conversation, Sudarshan offers practical advice on earning investor trust, building meaningful relationships, and creating long-term value as both a founder and an investor. In this episode, you'll learn: [03:10] How Sudarshan built founder communities, started companies, and launched SF1 while still in his early twenties. [11:40] Why competence, integrity, and market size are the three questions he asks when evaluating founders. [18:20] Why clarity of thought matters more than having every answer during a fundraising conversation. [27:45] How AI is creating new venture opportunities across infrastructure, robotics, defense, energy, and life sciences. [35:30] Why founders should build investor relationships long before they need capital. [43:15] How Sudarshan supports founders beyond writing the first check. About Sudarshan Sridharan Sudarshan Sridharan is a General Partner of SF1, an early-stage venture capital firm investing in AI-native founders building category-defining companies. Before founding SF1, he built startups, invested as an angel, and created founder communities that connected entrepreneurs with investors and experienced operators. His investment philosophy centers on backing founders with exceptional ambition, integrity, and clarity of thought while helping them build enduring companies through long-term partnership. About SF1 SF1 is an early-stage venture capital firm that partners with AI-native founders building generational companies from inception to IPO. The firm invests at the earliest stages, backing entrepreneurs developing transformative technologies across artificial intelligence and enterprise software. SF1 is built around long-term partnerships with founders, supporting them beyond capital through recruiting, fundraising, strategic introductions, and company building. The firm's investment philosophy emphasizes founder quality, clarity of thought, integrity, and the ability to execute in large, evolving markets. Subscribe to our podcast and stay tuned for our next episode.

Mark Wendland, Chairman and CEO of Canton Strategic Holdings, joined me to discuss how the company is leveraging Canton Coin and supporting the Canton Network to accelerate institutional blockchain adoption.Topics: - Institutional blockchain adoption - Canton Strategic Holdings and Canton Network ecosystem - Tokenized asset vs Traditional asset marketsBrought to you by - Learn about iTrustCapital's powerful Premium Custody Account (PCA) and tax-advantaged Crypto IRA platforms https://www.itrustcapital.com/go/thinkingcrypto iTrustCapital Representative: R.Rankin@itrustcapital.com