Podcasts about Mastercard

Just when you think you have a handle on how a company will react to rising oil prices, Delta Airlines goes and flips the idea on its head. Even though the industry could be facing significant increases in fuel prices, the carrier gave shocking rosy earnings projections at a recent industry event. Plus, Mastercard's foray into stablecoins and a sample of stories we're watching Tyler Crowe, Matt Frankel, and Lou Whiteman discuss: - Delta's rosy outlook - The changes in the airline industry - Mastercard's bet to become a crypto payments company - The wall between fintech and traditional finance crumbling - Bye bye, quarterly filings - NVIDIA's $1 trillion projection - Who's gonna insure that data center? Companies discussed: DAL, AAL, LUV, UAL, BA, MA, V, COF, SOFI, JPM, BAC, TFC, RFC, PNC, NVDA, META, GOOG, AMZN Host: Tyler Crowe Guests: Matt Frankel, Lou Whiteman Engineer: Dan Boyd Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode. Learn more about your ad choices. Visit ⁠⁠⁠⁠⁠⁠⁠⁠megaphone.fm/adchoices⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Linda Hill: Genius at Scale Linda Hill is the Wallace Brett Donham Professor of Business Administration and Faculty Chair of the Leadership Initiative at Harvard Business School. Globally recognized as a top leadership and innovation expert, Linda has been named by Thinkers50 as one of the world's top five management thinkers. She is the co-author, along with Emily Tedards and Jason Wild, of Genius at Scale: How Great Leaders Drive Innovation (Amazon, Bookshop)* We all want to think of ourselves as innovative, but it's often not easy to know exactly what that means in practice. In this conversation, Linda and I explore what her research shows that leaders do to drive innovation successfully – and how each of us can get just a bit better. Key Points Rather than coming up with a vision and asking people to follow it, innovation is about creating the culture and capabilities to create the future together. Innovation leadership shows up in three ways within organizations: the Architects, the Bridge Builders, and the Catalysts. Instead of setting the stage for themselves, innovative leaders set the stage for others. Often, we view horizontal relationships through the lens of organizational politics. The most effective innovation leaders view these relationships as leadership opportunities. Traditional team structures are a starting point, but not an ending point. Leaders at Mastercard, Pfizer, and Cleveland Clinic all brought in team members from both inside and outside the organization. Rather than thinking about a decision as final, it's helpful for innovation leaders to frame it as a “working hypothesis.” Resources Mentioned Genius at Scale: How Great Leaders Drive Innovation by Linda Hill, Emily Tedards, and Jason Wild (Amazon, Bookshop)* Interview Notes Download my interview notes in PDF format (free membership required). Related Episodes How to Build an Invincible Company, with Alex Osterwalder (episode 470) The Way Innovators Get Traction, with Tendayi Viki (episode 512) Doing Better Than Zero-Sum Thinking, with Renée Mauborgne (episode 641) Discover More Activate your free membership for full access to the entire library of interviews since 2011, searchable by topic. To accelerate your learning, uncover more inside Coaching for Leaders Plus.

This week, we're back with another weekly roundup on the equity vs. token debate in crypto. We dive deep into Across Protocol's proposal to convert its token into equity before covering Kraken's Fedwire approval, Ripple's $50B valuation, and more. Enjoy! -- Follow Rob: https://x.com/HadickM Follow Santi: https://x.com/santiagoroel Follow Empire: https://x.com/theempirepod -- Join us at DAS (Digital Asset Summit) in New York City this March! Follow the link below to grab your ticket, and use code EMPIRE200 to get $200 off your ticket! https://blockworks.co/event/digital-asset-summit-nyc-2026 -- ZKsync is the Bank Stack of Ethereum. It is a network of chains secured by cryptography, not validators. Its cutting-edge ZK innovation enables the privacy, performance and connectivity that businesses need to thrive in the digital assets economy. To find out more visit: https://www.zksync.io/ -- Timestamps: (00:00) Introduction (08:36) Across To Convert Their Token to Equity (23:47) Crypto's Token vs Equity Problem (36:52) ZKsync Ad (37:34) DAS Plug (38:00) Mastercard's Crypto Partner Program (47:05) Ripple's $50B Valuation (54:35) Kraken's Gets Approved to Fedwire (01:00:57) Content of The Week -- Disclaimer: Nothing said on Empire is a recommendation to buy or sell securities or tokens. This podcast is for informational purposes only, and any views expressed by anyone on the show are solely our opinions, not financial advice. Santiago, Jason, Rob and our guests may hold positions in the companies, funds, or projects discussed.

Bitcoin adoption continues to accelerate even as investor sentiment remains weak and global markets face growing uncertainty. Major institutions are quietly moving deeper into crypto, with Mastercard launching a new crypto partner program, Wells Fargo exploring a potential stablecoin, and Kraken gaining access to Federal Reserve payment rails. At the same time, regulators are coordinating oversight and lawmakers are pushing forward the Digital Asset Market Clarity Act, which could define the future of crypto regulation in the United States. As cracks begin to appear in traditional finance, the big question is whether Bitcoin is entering the next phase of mainstream adoption while the legacy system starts to strain.

Bitcoin rallies above $73K as geopolitical tensions ease and risk assets rebound, with altcoins like ETH, SOL, and DOGE posting stronger gains amid positive macro signals. Regulatory actions target prediction markets and CBDCs, while institutional products (BlackRock ETH ETF, Mastercard program) advance adoption. Enforcement hits illicit networks, and markets show broad upside—watch for continued oil/Treasury developments and Fed cues.Sources:https://decrypt.co (BTC weekly high, CFTC prediction markets, Aave trader loss, Europol freeze, Paraguay rules)https://www.coindesk.com (BTC outperformance, BlackRock ETH ETF, XRP breakout, SEC tokenized securities, Senate CBDC ban)https://cointelegraph.com (BTC funding negative, JPMorgan lawsuit, Mastercard program, BoE stablecoin input)https://coinmarketcap.com & https://www.coingecko.com (prices, market cap, movers, dominance) Hosted on Acast. See acast.com/privacy for more information.

Crypto News: Wells Fargo filed a crypto-related trademark application for WFUSD, signaling a deeper push into crypto and blockchain services. Mastercard launches new Crypto Partner Program. Brought to you by

In this conversation, Peter discusses significant updates in the crypto space, focusing on the listing of the Midnight Token on Binance, liquidity incentives for the Cardano ecosystem, MasterCard's new crypto partner program, and an upcoming hackathon in Argentina. He emphasises the implications of these developments for the Cardano community and the broader crypto market.TakeawaysThe Midnight Token's listing on Binance is a significant milestone for Cardano.This listing opens opportunities for other Cardano tokens to be listed on Binance.Liquidity incentives are crucial for attracting stablecoins to the Cardano ecosystem.A coalition has deployed 120,000 USDM to enhance liquidity in Cardano DeFi.MasterCard's new crypto partner program includes major firms like Binance and PayPal.The Cardano ecosystem has options for using crypto debit cards.The upcoming Pith Hackathon in Argentina will foster innovation in the Cardano space.Stablecoins like USDM provide a more stable trading option compared to volatile assets.The Midnight Network's redemption phases are crucial for token holders.Community engagement is essential for keeping up with developments in the crypto space.Chapters00:00 Intro03:00 NIGHT Redemption thaw 204:05 USD Liquidity Incentives08:11 Mastercard Launches Crypto Partner Program11:27 Cardano Debit Cards12:26 Pyth Hackathon at Builder FestDISCLAIMER: This content is for informational and educational purposes only and is not financial, investment, or legal advice. I am not affiliated with, nor compensated by, the project discussed—no tokens, payments, or incentives received. I do not hold a stake in the project, including private or future allocations. All views are my own, based on public information. Always do your own research and consult a licensed advisor before investing. Crypto investments carry high risk, and past performance is no guarantee of future results. I am not responsible for any decisions you make based on this content.

THE SYSTEM IS SHIFTING | MASTERCARD, XRP & FLARE The global financial system may be entering a new phase. Tonight on On The Chain, we break down major developments around XRP, Ripple, and the Flare Network as crypto infrastructure begins powering the next generation of global payments and digital assets. Mastercard has launched a Crypto Partner Program with more than 85 companies, signaling that traditional financial institutions are accelerating toward blockchain-based payment networks. At the same time, Ripple continues expanding internationally with new regulatory progress, including an Australian Financial Services License, while the XRP Ledger ecosystem and Flare Network continue building the infrastructure for programmable finance. As these digital asset networks grow, the shift from legacy banking rails toward crypto-powered global payment infrastructure is becoming increasingly visible. But the story doesn't stop with crypto. Around the world we are also seeing a major geopolitical shift unfolding: • Businesses leaving high-tax states in the U.S. • Political power shifting across Europe • Fraud and corruption being exposed in major government programs • Energy instability emerging in China • Political tensions rising across multiple regions Tonight we connect the dots between crypto markets, global finance, and geopolitics as the next phase of the digital financial system begins to take shape. Topics Covered Tonight • Mastercard launches crypto partner program • XRP infrastructure expanding globally • Flare Network smart account adoption • Ripple regulatory expansion in Australia • XRP ecosystem growth and XAO DAO discussion • Ripple leadership global expansion strategy • Global political shifts across Europe • Businesses fleeing high-tax U.S. states • Government fraud investigations • Energy instability in China • Political developments across Canada and Chile SUPPORT ON THE CHAIN GRAB A BADASS YETIS COFFEE – Fuel your crypto grind! ☕ Visit: badasserycoffee.com MINT YOUR BADASS YETIS NFT – Own a piece of the legend! Visit: otc.one/mint OTC MERCH IS HERE! – Represent the community in style! Visit: onthechain.shop BUY US A COFFEE – Help keep the content flowing! Visit: otc.one/buy-us-a-coffee JOIN THE CHANNEL – Get exclusive perks & behind-the-scenes content! Visit: otc.one/join ON THE CHAIN – CONNECT WITH US! Listen to the OTC Podcast – Never miss an update! Visit: otc.one/podcast Visit Our Website – The home of crypto insights! Visit: onthechain.io Follow OTC on X – Stay updated in real time! Visit: otc.one/x ⚠️ DISCLAIMER This content is for informational and entertainment purposes only. Nothing discussed on this channel constitutes financial, investment, or legal advice. Always conduct your own research before making financial decisions. #XRP #Ripple #FlareNetwork #CryptoNews #DigitalAssets

Welcome to Mastering Cyber with Host Alissa (Dr Jay) Abdullah, PhD, SVP & Deputy CSO at Mastercard, and former White House technology executive. Listen to this weekly one-minute podcast to help you maneuver cybersecurity industry tips, terms, and topics. Buckle up, your 60 seconds of cyber starts now! Sponsored by Mastercard: https://mastercard.us/en-us.html

ENS launches the on.eth chain registry. Across proposes a token buyout. Mastercard launches a Crypto Partner Program. And MetaMask integrates the Uniswap Router. Read more: https://ethdaily.io/901 Borrow against ETH at the lowest fixed rates in DeFi. Liquity V2 lets you use ETH as collateral to mint BOLD, the Ethereum native dollar. Learn more at liquity.org Content is for informational purposes only, not endorsement or investment advice. The accuracy of information is not guaranteed.

When AI hype is shouting “anything is possible,” it's easy for teams—especially in regulated, risk-aware orgs—to feel like innovation is either reserved for the “creative people” or only happens in labs behind closed doors. JoAnn Stonier makes the case that innovation isn't a personality type—it's a muscle. You can train it, but you also need permission, constraints, and a shared way of working so the results don't devolve into chaos (or a pile of half-baked agents someone tries to “just unplug”).This episode is a practical look at how to balance innovation with risk without turning your org into a two-headed “push-me pull-you” that never goes anywhere. The throughline: design thinking isn't a tired framework—it's the operating system that helps organizations create consistent, values-driven guardrails as AI becomes increasingly democratized across every function.Resources from this episode:Join the Digital Project Manager CommunitySubscribe to the newsletter to get our latest articles and podcastsCheck out this episode's sponsor: TogglConnect with JoAnn:LinkedInThe Cantellus Group

The United States is at a crucial turning point for crypto regulation, with the Clarity Act emerging as one of the most important pieces of legislation for the industry. Meanwhile, Banks are threatening legal action against the OCC over the regulator's move to grant national trust charters to crypto and fintech firms.~This episode is sponsored by iTrust Capital~iTrustCapital | Get $100 Funding Reward + No Monthly Fees when you sign up using our custom link! ➜ https://bit.ly/iTrustPaulGUEST: Austin Campbell, Founder & Managing Partner at Zero Knowledge ConsultingFollow on X➜ https://x.com/austincampbell00:00 intro00:07 Sponsor: iTrust Capital00:34 CLARITY Odds Update02:25 Austin Campbell on CLARITY Status03:18 CLARITY Not Passing?03:46 Banks Suing Government06:37 CBDC Ban Fight Coming?08:30 Crypto Fed Master Account10:16 Christopher Waller is anti-yields11:59 Treasury wants to control stablecoins like CBDC's18:28 Self-Custody19:10 Florida CLARITY vs Visa & Mastercard?21:16 LIGHTNING ROUND21:42 Independence Day21:58 Bluff22:13 Coincidence?22:34 Scott Bessent vs Coinbase23:20 Bank Fees Incoming24:37 DeFi & Privacy25:14 Progressives are impossible25:39 Elizabeth Warren vs CLARITY26:09 Crypto Offensive Amendment26:44 Freezing Funds vs Self-Custody27:16 Circle Doomed?27:28 Trust X Bank?28:16 Robinhood wins28:45 outro#Crypto #Bitcoin #Ethereum~Banks Suing Government For Stablecoin Yields!?

Parce que… c'est l'épisode 0x720! Shameless plug 31 mars au 2 avril 2026 - Forum INCYBER - Europe 2026 14 au 17 avril 2026 - Botconf 2026 20 au 22 avril 2026 - ITSec Code rabais de 15%: Seqcure15 28 et 29 avril 2026 - Cybereco Cyberconférence 2026 9 au 17 mai 2026 - NorthSec 2026 3 au 5 juin 2026 - SSTIC 2026 19 septembre 2026 - Bsides Montréal 1 au 3 décembre 2026 - Forum INCYBER - Canada 2026 24 et 25 février 2027 - SéQCure 2027 Notes IA La chicane OpenAI says Pentagon set ‘scary precedent' binning Anthropic How OpenAI caved to the Pentagon on AI surveillance OpenAI Just Got Anthropic's Pentagon Deal Anthropic CEO Dario Amodei calls OpenAI's messaging around military deal ‘straight up lies,' report says Altman said no to military AI – then signed Pentagon deal Anthropic sues US over national security blacklist Près de 900 employés de Google et OpenAI réclament des limites sur l'IA militaire La sécurité qu'ils disent Flaw-Finding AI Assistants Face Criticism for Speed, Accuracy Claude Code Security vs. OpenAI Codex Security – AI Arms Race Plus vite que la vérification How Claude Code escapes its own denylist and sandbox Claude Code deletes developers' production setup, including its database and snapshots — 2.5 years of records were nuked in an instant Your LLM Doesn't Write Correct Code. It Writes Plausible Code. Verification debt: the hidden cost of AI-generated code Usage pas si sécuritaire AI doctor's assistant swayed to change scrips - researchers New York Could Prohibit Chatbot Advice on Medical, Legal, and Engineering Questions L'agent (Smith) de tous les chaos Chrome Gemini Vulnerability Lets Attackers Access Victims' Camera and Microphone Remotely Critical OpenClaw Vulnerability Exposes AI Agent Risks OpenClaw Incidents Show Why AI Adoption Pressure Puts Companies at Risk The Panopticon Is Here: How the US Government Built an AI Superweapon for Social Control How Deepfakes and Injection Attacks Are Breaking Identity Verification CyberStrikeAI : cet outil dopé à l'IA automatise les cyberattaques AI-generated art can't be copyrighted after Supreme Court declines to review the rule LLMs can unmask pseudonymous users at scale with surprising accuracy Chardet : quand une IA réécrit un logiciel open source en cinq jours et change sa licence elder-plinius/OBLITERATUS: OBLITERATE THE CHAINS THAT BIND YOU La guerre, la guerre, c'est pas une raison pour se faire mal! Attacks on GPS Spike Amid US and Israeli War on Iran Iran's cyberwar has begun Israeli spies ‘hacked every traffic camera in Tehran to plot killing of Iran's Ayatollah Ali Khamenei' ‘Hundreds' of Iranian hacking attempts hit IP cameras Businesses told to harden defenses amid Iran conflict risk Kevin Beaumont: “If you're wondering what I'm s…” - Cyberplace Cyber Command disrupted Iranian comms, sensors, top general says Top general spotlights cyber role in Iran conflict Iran War Provides a Large-Scale Test for AI-Assisted Warfare Hiding A Bomb In Plain Sight Souveraineté ou tout ce que je peux faire sur mon terrain Can Europe break free of Visa and Mastercard? MEPs stall digital euro Office EU touts new European online productivity suite Bureautique : l'Europe lance son alternative à Microsoft 365, mais utilise quand même Excel Privacy ou tout ce qui devrait rester à la maison Tire Pressure Systems in Toyota, Mercedes, and Other Major Car Brands Enable Silent Vehicle Tracking Motorola's new partnership with GrapheneOS Meta's AI Smart Glasses and Data Privacy Concerns: Workers Say “We See Everything” Anonymous credentials: an illustrated primer A new app alerts you if someone nearby is wearing smart glasses TikTok says it won't encrypt DMs claiming it puts users at risk System76 on Age Verification Laws X Users Find Their Real Names Are Being Googled in Israel After Using X Verification Software “Au10tix” The banality of surveillance Deveillance Red ou tout ce qui est brisé Le fisc sud-coréen publie carrément ses mots de passe crypto dans un communiqué de presse Des outils de piratage d'iPhone conçus par les États-Unis finissent chez les cybercriminels FBI targeted with ‘suspicious' activity on its networks 900+ Certificates Used by Fortune 500, Governments Exposed by Key Leaks FBI probing intrusion into system managing sensitive surveillance information Blue ou tout ce qui améliore notre posture How Vulnerable Are Computers to an 80-Year-Old Spy Technique? Congress Wants Answers Reading White House President Trump's Cyber Strategy for America Merkley, Klobuchar Launch New Effort to Ban Federal Elected Officials Profiting from Prediction Markets Insolites Microsoft gets tired of “Microslop,” bans the word on its Discord, then locks the server after backlash Collaborateurs Nicolas-Loïc Fortin Crédits Montage par Intrasecure inc Locaux réels par Intrasecure inc

Find Dr. Andrew Kaufman HERE: https://www.andrewkaufmanmd.com/ GET YOUR WAV WATCH HERE: https://buy.wavwatch.com/WAM Use Code WAM to save $100 and purchase amazing healing frequency technology! GET HEIRLOOM SEEDS & NON GMO SURVIVAL FOOD HERE: https://heavensharvest.com/ USE Code WAM to save 25% plus free shipping! BUY GOLD HERE: https://firstnationalbullion.com/schedule-consult/ Avoid CBDCs! HELP SUPPORT US AS WE DOCUMENT HISTORY HERE: https://gogetfunding.com/help-keep-wam-alive/# Josh Sigurdson talks with Dr. Andrew Kaufman at Anarchapulco 2026 about the incoming surveillance state and the digital ID system as new policies are rolled out rapidly, forcing those who want convenience into the new order. Psychologically it makes sense. People will do that which is convenient and easy over that which is more beneficial but more difficult. The technocratic system is built on convenience. People will throw away their very humanity (independence) for something easy. Tyranny comes under the guise of convenience. Today, we have cameras being placed all over the interstate system with facial recognition and license plate readers. President Trump is bringing in new policies to force people to show 5 years of social media history in order to enter the United States. This is quite literally social credit. Add to that 10 years of email history, photo metadata and biometrics and it is clear this is part of the roll out of the digital ID system. In fact some states already have the digital ID for internet identification and age restrictions. Real ID has been mandated for a year now and artificial intelligence has been one of the highest funded initiatives including the use of it for militarism. As people are impoverished, the Central Bank Digital Currency (CBDC) is being developed. But even if it is not directly via the central banks, like VISA and Mastercard, it could be made inescapable. Dr. Kaufman talks in this video about the incoming dangers as well as his hopefulness for real solutions in the future. Stay tuned for more from WAM! Get Your SUPER-SUPPLIMENTS HERE: https://vni.life/wam Use Code WAM15 & Save 15%! Life changing formulas you can't find anywhere else! Get local, healthy, pasture raised meat delivered to your door here: https://wildpastures.com/promos/save-20-for-life/bonus15?oid=6&affid=321 USE THE LINK & get 20% off for life and $15 off your first box! DITCH YOUR DOCTOR! https://www.livelongerformula.com/wam Get a natural health practitioner and work with Christian Yordanov! Mention WAM and get a FREE masterclass! You will ALSO get a FREE metabolic function assessment! GET YOUR APRICOT SEEDS at the life-saving Richardson Nutritional Center HERE: https://rncstore.com/r?id=bg8qc1 Use code JOSH to save money! SIGN UP FOR HOMESTEADING COURSES NOW: https://freedomfarmers.com/link/17150/ Get Prepared & Start The Move Towards Real Independence With Curtis Stone's Courses! GET YOUR FREEDOM KELLY KETTLE KIT HERE: https://patriotprepared.com/shop/freedom-kettle/ Use Code WAM and enjoy many solutions for the outdoors in the face of the impending reset! PayPal: ancientwonderstelevision@gmail.com FIND OUR CoinTree page here: https://cointr.ee/joshsigurdson PURCHASE MERECHANDISE HERE: https://world-alternative-media.creator-spring.com/ JOIN US on SubscribeStar here: https://www.subscribestar.com/world-alternative-media For subscriber only content! Pledge here! Just a dollar a month can help us alive! https://www.patreon.com/user?u=2652072&ty=h&u=2652072 BITCOIN ADDRESS: 18d1WEnYYhBRgZVbeyLr6UfiJhrQygcgNU World Alternative Media 2026

Enjoy an hour of Easy Listening Christian Music. Each Saturday I will provide another hour of the Sweetest Sound in Town. We are a listener supported pod cast. If you have been blessed by our music I hope you will help with a tax deductible gift. You can donate on line with the Pay Pal tab on the bottom of this page. I will also be happy to send you an envelope for you to return a gift in or accept your Visa or MasterCard when you call our toll free number 1 888 382 0881. You can also send us your gift by mailing it to Shofar Broadcasting P.O. Box 1909 Charleston, W.V. 25327

Enjoy an hour of Easy Listening Instrumental Christian Music. Each Saturday I will provide another hour of the Sweetest Sound in Town. We are a listener supported pod cast. If you have been blessed by our music I hope you will help with a tax deductible gift. You can donate on line with the Pay Pal tab on the bottom of this page. I will also be happy to send you an envelope for you to return a gift in or accept your Visa or MasterCard when you call our toll free number 1 888 382 0881. You can also send us your gift by mailing it to Shofar Broadcasting P.O. Box 1909 Charleston, W.V. 25327

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

Money doesn't become digital overnight.It becomes digital when the rails of finance begin to change.In this episode of MoneyNeverSleeps, Pete Townsend speaks with Emma Landriault of JPMorgan about why stablecoins and bank-issued deposit tokens may end up reinforcing, rather than replacing, each other.Emma Landriault is Executive Director at JPMorgan and global product lead for JPM Coin, a deposit token that enables institutional clients to move money between accounts in real time, 24/7.Drawing on her work building deposit tokens and financial market infrastructure, Emma explains why stablecoins, deposit tokens, and potentially central bank digital currencies represent different layers of the financial system rather than competing forms of money.Across crypto, fintech, and traditional finance, the conversation around stablecoins, tokenised deposits, and onchain settlement is moving from experimentation toward real financial infrastructure. Companies such as Stripe, Visa, Mastercard, and major global banks are increasingly integrating these rails into payments, treasury, and settlement systems.Rather than replacing banks, digital money is emerging as a modular system where different forms of value serve different roles — from programmable treasury operations to onchain settlement and institutional liquidity management.This isn't a crypto-versus-banks conversation. It's a discussion about financial architecture, interoperability, and how the rails of global finance are quietly evolving.We cover:• Why stablecoins and bank-issued deposit tokens are designed to coexist• How liability and trust anchors shape different forms of digital money• Why corporate treasurers are beginning to manage liquidity directly from wallets• What programmable treasury operations could mean for financial workflows• How traditional institutions are approaching onchain assets and digital markets• Why the future financial system may look more like interconnected networks than isolated payment systemsEmma brings a systems-level perspective shaped by building real financial infrastructure inside one of the world's largest banks, explaining why operational reality matters as much as technological innovation — and why the next phase of digital finance will likely be defined by interoperability rather than disruption.If you're a founder, operator, or investor trying to understand how traditional finance and onchain systems are beginning to converge, this episode offers a practical perspective on where things may be heading.⏱️ Chapters00:00 – Why stablecoins and banks can coexist01:00 – Layers of digital money02:30 – Liability, trust, and financial infrastructure04:10 – Deposit tokens vs stablecoins06:00 – Yield, liquidity, and treasury operations07:10 – How corporate treasurers use digital assets08:40 – Programmable treasury and wallet infrastructure10:00 – Institutional interest in onchain finance11:15 – Convergence and network-based financial systems13:00 – The future architecture of digital money13:40 – Closing thoughtsFor full show notes and guest links, see below.MoneyNeverSleeps explores one big idea each week in under 15 minutes with founders, operators, and investors shaping crypto, fintech, AI, and onchain finance.If you're interested in where financial infrastructure is heading — from stablecoins and tokenized assets to AI-driven markets — subscribe and join the conversation.

Scott Stirrett is a social entrepreneur, author, and advisor focused on how people and communities grow and thrive in a volatile world. He founded Venture for Canada in 2013 and spent more than a decade building it into a national platform that helps early career professionals develop the skills, networks, and judgment to move forward in messy, fast changing conditions. Venture for Canada has supported more than 10,000 young people and raised over $80 million, working with partners including Employment and Social Development Canada, RBC Foundation, TD Bank, and Mastercard. Stirrett is the author of The Uncertainty Advantage, published by Dundurn Press, which offers research-backed strategies to make better decisions, bounce back from setbacks, and build career skills that AI cannot replace. The book has been endorsed by Eric Ries, Sukhinder Singh Cassidy, Amanda Lang, and Michele Romanow. Click here to take Scott's quiz to Discover Your Uncertainty Advantage. Click here to connect with Scott on LinkedIn.

We are releasing today on our Consumer Finance Monitor podcast our host Alan Kaplinsky's discussion with Marisa Calderon, President and CEO of Prosperity Now, about two high-profile policy proposals raised or embraced by President Trump as part of a broader populist affordability agenda: 1.         A nationwide 10% cap on credit card interest rates for one year. 2.         The Credit Card Competition Act (CCCA), long championed by Senator Dick Durbin which would require large credit card issuers to enable at least two unaffiliated payment networks (only one of which could be MasterCard or VISA) on their cards. Each proposal is framed as pro-consumer. Each has generated significant pushback from banks, card issuers, and trade associations. However, even consumer advocacy groups have raised serious questions about the wisdom of such initiatives. Prosperity Now is a non-profit organization dedicated to advancing economic mobility, with a focus on those facing economic barriers. Each raises fundamental questions about how to balance affordability and access in the consumer credit market. Our discussion focused on a central theme: affordability is a real and pressing concern, but policy design matters enormously. Credit Card APRs: A Real Affordability Pressure As Calderon emphasized, policymakers are not wrong to focus on credit card interest rates. Average credit card APRs now hover around 22%, up sharply from roughly 13% a decade ago. Approximately half of cardholders carry a balance, and many rely on credit cards not for discretionary spending, but as liquidity bridges, covering emergency medical bills, car repairs, groceries, and other essentials. For lower and moderate-income households, credit cards are often the only readily available, regulated source of short-term liquidity. That makes rising APRs particularly painful. Calderon's formulation is apt: policymakers have identified the right problem. The harder question is whether they have identified the right solution. The 10% Interest Rate Cap: Lessons from History The proposal to impose a flat 10% nationwide cap on credit card interest rates for one year would represent an unprecedented federal intervention into unsecured revolving credit markets. Credit cards are unsecured and priced for risk. Interest margins help issuers cover expected charge-offs, volatility, and operational costs. If pricing flexibility is removed, lenders cannot simply absorb the loss, they adjust. Historically, those adjustments take predictable forms: •                 Tighter underwriting standards •                 Higher minimum credit scores •                 Lower credit limits •                 Reduced rewards programs •                 Increased non-interest fees •                 Exit from higher-risk market segments The likely result, as Calderon noted, is credit contraction, particularly affecting marginal and lower-income borrowers. The most relevant historical example may be the 1980 credit controls imposed during the Carter Administration, which were rescinded within months after causing severe market disruption. A more targeted example is the 36% APR cap under the Military Lending Act, which illustrates both the importance of bipartisan legislative design and the reality that even well-intentioned caps can reduce access at the margins. Recent Federal Reserve research on state usury caps reinforces this concern: when interest rate ceilings are imposed, credit to higher-risk borrowers contracts, credit to lower-risk borrowers expands, and delinquency rates do not meaningfully improve. In other words, credit is reallocated, not necessarily improved. Even a "temporary" cap may have durable consequences. Issuers that exit certain segments or reduce credit lines are not obligated, and may not be economically inclined, to restore them once the cap expires. Credit score impacts and reduced access can linger well beyond the formal life of the policy. As Calderon put it, blunt price controls are a chainsaw when what is needed is a scalpel. Affordability in Context: What Drives Household Budgets? An additional consideration is scale. Research recently highlighted by the Consumer Bankers Association shows that the fastest-growing household expenses from 2013–2024 were healthcare, shelter, food, and vehicles. Credit card interest represents a relatively small share of average household expenditures. This does not minimize the pain of high APRs, especially for households carrying persistent balances, but it does raise an important structural question: can credit card rate caps meaningfully solve broader affordability challenges rooted in housing, medical costs, food inflation, and transportation? Credit cards are often the mechanism households use to cope with those rising costs. Constraining access to that liquidity may exacerbate, rather than relieve, financial stress. The Credit Card Competition Act: Structural Reform or Indirect Price Control? The second proposal we discussed, the Credit Card Competition Act (the "CCCA"), takes a different approach. Rather than capping interest rates, the CCCA would require large issuers to offer merchants at least two unaffiliated network routing options (only one of which could be Visa or Mastercard). The theory is that routing competition would reduce interchange fees ("swipe fees"), lowering merchant costs and ultimately consumer prices. Merchants have generally supported the proposal. Banks and card issuers have strongly opposed it. The consumer-facing promise is straightforward: lower merchant fees should translate into lower retail prices, but history complicates that assumption. The Durbin Amendment to the Dodd-Frank Act imposed caps on debit card interchange fees for large issuers and included routing requirements. While interchange revenue declined, Calderon pointed out that empirical evidence suggests that cost savings were not consistently passed through to consumers in the form of lower prices. At the same time, banks offset lost revenue through higher account fees and reduced benefits. A similar dynamic could unfold in the credit card market. Interchange revenue helps fund: •           Rewards programs •           Fraud detection and prevention •           Customer service infrastructure •           Risk management If that revenue is compressed, issuers may respond with tighter underwriting, reduced rewards, or new fee structures. As Calderon observed, although the CCCA operates through indirect price pressure rather than a direct APR ceiling, downstream effects could look similar. Distinguishing Populist Framing From Durable Reform Both the rate cap and the CCCA are framed as pro-consumer, populist reforms. The political appeal is clear, but distinguishing headline appeal from durable consumer benefit requires careful analysis. Calderon suggested several guideposts policymakers should consider: •                 Access – Does the reform preserve or expand access for low- and moderate-income borrowers? •                 Incidence – Who actually captures the gains? Consumers, merchants, intermediaries, or some combination? •                 Substitution effects – Does the policy push consumers toward higher-cost, less-regulated alternatives such as payday or fringe products? •                 Durability – What happens after implementation? Do markets rebound, or do credit line reductions and underwriting changes persist? These questions are not ideological. They are structural. Affordability and access are not opposing values. The policy challenge is designing reforms that alleviate financial strain without narrowing the regulated credit tools families rely on when emergencies arise. The Bottom Line Affordability concerns are real. Rising APRs are real. Financial stress among many households is real. But blunt price caps may reduce rates on paper while reducing access in practice. Structural competition mandates may promise savings that do not materialize at the checkout counter. Durable consumer protection requires careful calibration — the scalpel, not the chainsaw. For industry participants, policymakers, and advocates alike, the takeaway is straightforward: evidence and market mechanics matter. Populist framing may win headlines, but long-term financial stability depends on policy design that accounts for how credit markets actually function. As always, we will continue to monitor these proposals and their evolution in Congress and the Administration.  It may be noteworthy that President Trump did not mention either proposal during his almost two-hour State of the Union Address on January 24th. 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.

【欢迎订阅】 每天早上5:30，准时更新。 【阅读原文】 标题：‘A feedback loop with no brake ': how an AI doomsday report shook US marketsShares in Uber, Mastercard and American Express fall on back of apocalypse scenario posted on Substack正文：US stock markets have been hit by a further wave of AI jitters, this time from yet another viral – and completely speculative – warning about the impact of the technology on the world's largest economy. The latest foreboding is from Citrini Research, a littleknown US firm that provides insights on “transformative ‘megatrends'”. Its post on Substack, which it called a “scenario, not a prediction”,rattled investors by portraying a near future in which autonomous AI systems – or agents – upend the entire US economy, from jobs to markets and mortgages.知识点：jitters n. /ˈdʒɪtəz/feelings of nervousness or anxiety. 紧张不安；焦虑e.g. She always gets the jitters before giving a speech in front of the class. 她在全班面前演讲前总会感到紧张不安。获取外刊的完整原文以及精讲笔记，请关注微信公众号「早安英文」，回复“外刊”即可。更多有意思的英语干货等着你！ 【节目介绍】 《早安英文-每日外刊精读》，带你精读最新外刊，了解国际最热事件：分析语法结构，拆解长难句，最接地气的翻译，还有重点词汇讲解。 所有选题均来自于《经济学人》《纽约时报》《华尔街日报》《华盛顿邮报》《大西洋月刊》《科学杂志》《国家地理》等国际一线外刊。 【适合谁听】 1、关注时事热点新闻，想要学习最新最潮流英文表达的英文学习者 2、任何想通过地道英文提高听、说、读、写能力的英文学习者 3、想快速掌握表达，有出国学习和旅游计划的英语爱好者 4、参加各类英语考试的应试者（如大学英语四六级、托福雅思、考研等） 【你将获得】 1、超过1000篇外刊精读课程，拓展丰富语言表达和文化背景 2、逐词、逐句精确讲解，系统掌握英语词汇、听力、阅读和语法 3、每期内附学习笔记，包含全文注释、长难句解析、疑难语法点等，帮助扫除阅读障碍。

Crypto News: President Trump rebukes Banks for holding up the Clarity Act because of Stablecoin yields in the Genius Act. SoFi and Mastercard announced an enhanced partnership to enable SoFiUSD stablecoin as a settlement option across Mastercard's global payments network. Ripple expands stablecoin payments stack for banks, fintechs.Brought to you by

The Transformation Ground Control podcast covers a number of topics important to digital and business transformation. This episode covers the following topics and interviews:   Mastercard AI Payment Demo, Q&A (Darian Chwialkowski, Third Stage Consulting) Inside the Mission Control AI War Room Why Employees Are Quietly Resisting AI We also cover a number of other relevant topics related to digital and business transformation throughout the show.  

Welcome to Mastering Cyber with Host Alissa (Dr Jay) Abdullah, PhD, SVP & Deputy CSO at Mastercard, and former White House technology executive. Listen to this weekly one-minute podcast to help you maneuver cybersecurity industry tips, terms, and topics. Buckle up, your 60 seconds of cyber starts now! Sponsored by Mastercard: https://mastercard.us/en-us.html

Episode Overview What does it actually take to run a digital insurance operation at the system level—not at the chatbot layer, but at the transaction layer? Joshua R. Hollander speaks with Wayne Slavin, CEO and Co-Founder of Sure, about the infrastructure required to deliver true digital insurance in an AI-agent world. Wayne describes Sure's role as "what Visa and Mastercard were in the early days of credit cards"—building the rails for digital insurance distribution. Key Topics 1. What "Digital Insurance" Really Means Digital insurance is not about moving forms online or replacing phone calls with web interfaces. True digital insurance is straight-through processing from quote to policy issuance to payment—mirroring the speed and frictionlessness of e-commerce transactions. Wayne explains: "If that transaction requires some asynchronous process, some process that is interrupted, that we are actually not doing digital insurance." The benchmark: the entire process happens within minutes, not days or weeks. 2. API-First Infrastructure vs. Legacy Core Systems Sure's platform differs fundamentally from monolithic core policy administration systems (like Guidewire or Duck Creek) because it was built API-first with data normalization at its foundation. Legacy cores encourage over-customization, which locks insurers into inflexible, non-compliant systems. Sure's approach standardizes policy data across product types (homeowners, renters, fine art, landlord), enabling rapid changes and integrations. Unlike legacy systems, Sure doesn't force carriers to choose between their existing tech and innovation—it coexists alongside legacy infrastructure. 3. Model Context Protocol (MCP) and AI Agent Integration In February 2026, Sure announced the industry's first MCP server integration, enabling Claude AI agents to interact directly with Sure's infrastructure. MCP is a standardized protocol that allows AI agents to connect to business systems without custom integrations for each use case. This means insurers and brands no longer need 6-12 months of engineering to embed insurance; AI agents can quote, bind, manage, and renew policies conversationally. 4. Why Non-Endemic Brands Will Build Insurance The next major insurance distributors won't be insurance companies. They'll be brands, e-commerce platforms, fintechs, and technology companies with massive customer bases. Wayne's economic thesis: if a brand can convert customers to insurance at 20-30x the typical rate (vs. giving customer data to a third party), the unit economics change entirely. Large brands now have a path to retain customers and data while building insurance revenue. 5. The Transaction Layer as Moat Insurance isn't like retail or travel—regulatory consequences are real, policy admin systems are complex, and compliance layers must operate end-to-end. Sure's competitive advantage lies in building the foundational transaction layer that carriers either cannot replicate internally or would take years to engineer. This infrastructure layer is what enables AI agents to work reliably within compliance and regulatory constraints. 6. Insurance as an Ecosystem The future isn't a single insurer offering multiple products—it's an ecosystem where brands, platforms, and technology companies collaborate on insurance delivery. AI agents, powered by Sure's infrastructure, enable this distributed, composable insurance ecosystem. Key Quotes -"What digital insurance really means is truly a straight-through process where you're starting to get a quote that quote will be a real quote. It's not an estimate. It will become a real policy. You will pay real money. You will get a real coverage document. And the timing of all of that is pretty close to what you expect from regular old e-commerce." -"The next big insurance distributors won't be insurance companies. They will be brands. They'll be technology companies. They'll be fintechs. They'll be AI companies. They'll be companies that are currently sitting on large customer bases that don't have insurance products today." -"Before MCP, if an AI agent wanted to interact with an insurance system, you'd have to build a custom integration for each system, each use case. MCP standardizes that." Resources • Sure: https://sure.com • Wayne Slavin LinkedIn: https://www.linkedin.com/in/wayneslavin • Horton International: https://www.horton-usa.com/ Subscribe & Connect Tune in to the Insurtech Leadership Podcast for deep-dive conversations with insurance executives, founders, and innovators shaping the future of insurance technology. • LinkedIn: https://www.linkedin.com/in/joshuarhollander/ • Podcast Showcase: https://www.linkedin.com/showcase/insurtech-leadership-show #InsurTech #Insurance #InsuranceInnovation #Innovation #FutureOfInsurance #Leadership #ExecutiveLeadership

The ability of an organization to innovate over and over again, for the long term, depends on leadership structure, culture, and systems. That's according to Harvard Business School professor Linda Hill, who has spent years researching the true drivers of innovation, taking lessons from the world's most successful companies. She explains why today's leaders need to shift from the focus on decision-making and producing to creating the conditions for collaboration, experimentation, and smart decision-making across teams, silos, and wider ecosystems. She shares examples from Mastercard, Pixar, and more and outlines some newly defined ways of looking at leadership roles: as Architects, Bridgers, and Catalysts. Hill's new book is Genius at Scale: How Great Leaders Drive Innovation.

Today, we are excited to welcome entrepreneur Megan Gross, founder of The Bonsoir, a boutique events firm that curates high-touch small events to bring startups and investors together. Megan is currently based in the San Francisco Bay Area and is expanding into South Florida. In this episode, she shares her journey, highlighting small, personalized events as the future of business relationships. Megan's Journey After college, Megan moved to Las Vegas to work for nightclubs, restaurants, and a major pool party. Drawn by a lifelong dream to live in Paris, she worked at the exclusive club Matignon near the Champs-Élysées as a VIP host. Although it failed to unfold as planned, it redirected her to the Bay Area, where she immersed herself in the startup ecosystem. After working on a platform of extraordinary experiences and then at Mastercard, she launched The Bonsoir as a niche, designing intimate gatherings for founders and investors,  blending hospitality and bold creativity. Bold Risks Megan believes in trusting her instincts and taking big risks, even without every detail in place. Her move to Paris and then into entrepreneurship were not calculated step-by-step strategies. They were decisions rooted in her conviction. Things did not always work out as expected, but each step redirected her toward something more aligned with her. A Competitive Advantage From the years she spent working at nightclubs, restaurants, and large-scale pool parties, Megan learned relationship skills that corporate settings seldom provide. Reading a room, remembering names, managing personalities, and creating the right energy are all directly applicable to business. As technology and automation grow, these human-centered skills become even more valuable in a digital-first world, where authentic connections truly stand out. Building Without Traditional Frameworks Launching her company without agency or corporate training forced Megan to create her own systems. Although it initially felt like a disadvantage, it allowed her to innovate beyond standard industry templates. She sources vendors from unexpected places, leverages global relationships, and builds unconventional events. The Purpose–People–Process Framework Connection can be engineered when purpose, people, and processes align. Purpose defines the specific goal of the gathering. People determine who must be in the room—and who should not. The process covers every touchpoint, from invitation wording to seating charts to follow-up. When those circles intersect, connections form intentionally rather than by accident. The Gather Method Megan's GATHER method is an acronym for her six event strategy components: Guest List, Atmosphere, Timing, High Touch, End Game, and Relationships. The Guest List is the most critical decision. Atmosphere sets the emotional tone. Timing ensures real interaction, and High Touch keeps her experiences personal and intentional. The End Game clarifies measurable outcomes, and Relationships are Megan's ultimate objective, with the event serving as the vehicle instead of the destination. Why Smaller Is More Powerful Megan believes intimacy drives impact. Her ideal event has fewer than 20 people, as that allows depth of conversation and meaningful follow-ups. Instead of a massive gathering, she recommends smaller, recurring events that build layered relationships over time. Scarcity and selectivity tend to elevate perceived value and strengthen engagement. Scaling a High-Touch Business Scaling micro-events presents unique challenges. Megan addressed this by productizing her dinner format, standardizing structure while keeping personalization intact. She built operational systems and hired leadership support, even when stepping away from production felt difficult. Delegation allowed her to grow without compromising on quality. Why AI Increases the Demand for In-Person Events As AI accelerates digital interaction, in-person gatherings become more valuable. When it becomes increasingly difficult to distinguish what is real online, physical presence can build trust. Technology may automate communication, but it cannot replicate a shared human experience. BIO: Megan Gross is the founder of The Bon Soir, a boutique events firm that brings together investors and startups through smart, high-touch events that build trust and accelerate deal flow. Her training comes from running high-pressure nightclubs in Las Vegas. She later worked at a unicorn startup acquired by Mastercard, helped launch Mastercard's global Priceless Experiences platform, led a global community dining initiative at Airbnb, and built The Bon Soir into a go-to event partner for venture firms. She is based in the San Francisco Bay Area, hosts The Supper Club in San Francisco, curates private dinners for funds, and produces one of the largest events in the VC platform community. Connect with Eric Rozenberg On LinkedIn Facebook Instagram Website Listen to The Business of Meetings podcast Subscribe to The Business of Meetings newsletter Connect with Megan Gross On LinkedIn The Bon Soir  

In Episode 51 of *Chain Reactions*, we sit down with Lex Sokolin, co-founder of [Generative Ventures](https://www.genventures.xyz/) and one of the sharpest voices at the intersection of fintech, crypto, and AI. With 15 years at the frontier of financial services, from Wall Street to early robo-advisors to co-leading DeFi strategy at ConsenSys, Lex brings a rare combination of depth and directness to the conversation.We dig into his core thesis: that AI agents are becoming economic peers, and those peers need financial infrastructure built for them. Lex breaks down how blockchain has collapsed five massive verticals of financial services into a single rail, why that's both unbelievably destructive and productive, and where the real commercial opportunities sit across payments, capital markets, and asset management.The conversation gets candid fast. Lex doesn't hold back on the crypto industry's tendency to dress up vaporware in legitimate opportunity, the evolution from Olas to Virtuals to OpenClaw as each wave of agentic AI gets slightly more real, and why the race to market to agents may ultimately benefit the fewest actual humans. We also get into the Visa and MasterCard question, whether Web3 is finance's Amazon-vs-Kmart moment, and why Tether's business model might be more interesting than Stripe's.We close with Lex's personal philosophy on turning the page, borrowed from a background in visual arts, and why building beats worrying in an era of exponential change.---**Timestamps**00:00 – Welcome and intro to Lex Sokolin of Generative Ventures02:36 – From Wall Street to robo-advisors to ConsenSys and beyond05:50 – The machine economy thesis and where the real opportunities sit08:29 – How blockchain collapsed five financial verticals into one rail10:56 – AI-first companies vs crypto-native firms and where they overlap13:42 – Latest developments and the pace of change in agentic AI14:24 – S-curves vs exponentials and why it matters for AI capabilities16:45 – The evolution from Olas to Virtuals to Lobsters20:41 – Will Visa and MasterCard be disintermediated by agents?27:39 – Amazon vs Kmart: is Web3 finance's greenfield moment?31:40 – How do you market to agents? The dystopian and practical answer36:54 – Spotting AI content in the wild and the normie gap38:32 – What Lex has changed his mind on about decentralization43:25 – What gets Lex most excited and most concerned heading into 202647:48 – The trap of AI consumption vs production49:27 – Biggest professional learning: being unafraid to turn the page---**Show Notes & Mentions**-

AI in customer experience, fraud prevention, and back-office operations is moving fast in banking and financial services, and the firms that fall behind risk losing both customers and competitive ground. Tedd Huff, CEO of fintech advisory firm Voalyre and founder of Fintech Confidential, sits down with Mamta Rodrigues, Chief Client Officer of Banking, Financial Services and Insurance at TP, one of the largest employers in the world with over 500,000 people globally. Mamta brings decades of hands-on experience across American Express, MasterCard, Visa, and Synchrony, and she holds a patent, a signal that she has spent real time building products, not just advising on them. The conversation covers practical AI use cases in fraud, collections, and compliance, along with what separates clients who get results from those who stall out after a pilot.The pressure on banks and fintechs right now comes from two directions at once. Consumer expectations keep rising because people interact with payment products every single day. At the same time, fraud is accelerating. Every time the industry catches up, fraudsters adapt faster and the cycle resets. That means fraud teams, product teams, and customer experience teams are all fighting for resources and attention at the same time. For treasury managers, CFOs, and compliance leaders, this creates a real tension: how do you invest in AI-powered fraud prevention and still deliver a smooth experience that keeps customers loyal?The numbers from inside TP's client work tell a clear story. Fifty percent of TP's solutions are now AI-led, with the heaviest concentration in back-office operations like fraud, financial crime, and claims management. Mamta describes a recent deployment of TP's AI blueprint, tp.ai fab, layered into an existing client's operations to prevent and predict fraud. The results showed significant improvement in key metrics. On the collections side, predictive analysis now arms agents before a call even starts with propensity to pay, likely timing, expected recovery percentage, and recommended remediation paths. That kind of preparation changes the entire tone of a collections interaction from adversarial to solution-oriented, and the outcome is measurable: increased repayment, stronger loyalty, product expansion, and reduced breakage.One of the clearest signals Mamta uses to gauge whether a client will actually get results versus abandon the effort after a test: the composition of who shows up. When the cross-functional team walks through the door, operations, product, IT, and data leaders together, that's when real progress happens. She describes a design thinking approach where the client provides a problem statement in advance, both sides bring the right people, and in a single day they can shape a solution direction. The typical pattern is that they start with one problem statement and end the session with additional problem statements and new opportunities they had not considered. Clients who send a single department to "explore AI" without bringing the other stakeholders rarely make it past the pilot stage.Looking three to five years out, Mamta expects advanced AI and predictive analytics to fundamentally reshape how customer experience operates, powered by stronger data foundations and more mature tech stacks. She predicts continued growth in AI-led back-office solutions, deeper fraud protection capabilities, and a rising focus on elevating talent rather than replacing it. The human factor, she says, will always remain because both the customers and the agents serving them are still people. Her single piece of advice to fintech executives and founders: "Be comfortable with the uncomfortable." The firms that try, pivot, learn, and avoid the belief that they already know everything will be the ones that pull ahead.Key HighlightsFraud Signals Your Phone RevealsEvery mobile transaction generates thousands of hidden data points including gyroscope movement, touch pressure patterns, key press timing, and screen angle behavior that machine learning models use to verify identity. IP address matching combined with geolocation checks can confirm whether the person making a payment is physically located where their device says they are, adding layers of fraud protection most consumers never realize exist.Automation Is Not Replacing AgentsTP proposes automation first in every client engagement, yet the goal is augmenting agent performance through AI-powered training, quality assurance, and workforce management tools. Mundane tasks like balance inquiries have already moved to apps, while new roles in data analysis, predictive modeling, financial crime investigation, and fraud prevention are growing faster than the positions being phased out.Consumer Behavior Now Drives FintechBanking and payments typically lead BFSI adoption cycles because consumers transact with payment products daily, while insurance interactions are infrequent and purpose-driven. That frequency gap means consumer expectations hit banking and fintech firms first, forcing faster response times and creating pressure that insurance companies eventually absorb as a fast follower.Living On Cash Taught Product ThinkingOne of the sharpest product leadership lessons came from spending an entire month using only cash, no cards, no checks, no electronic payments, to understand what consumers actually experience when they lack access to modern payment tools. That hands-on immersion shaped a framework for understanding customer pain points from the inside out, a method still applied today when onboarding new clients by finding internal employees who already use the client's products.The Real Meaning Of DataThe phrase "so what of the data" reframes the entire conversation around why raw data collection means nothing without a clear connection to personalization, spend analysis, and predictive outcomes. Combining multiple data sources with analytics can reveal buying power, transaction patterns, location behavior, and propensity to pay, turning passive information into active intelligence that drives customer engagement and retention.Storytelling Aligns Stakeholders FasterComplex enterprise sales involving operations, product, and executive teams require more than technical specs to move forward, and framing solutions around a clear North Star with a human impact story accelerates buy-in. Using a collections call as an example, the narrative centers on saving a customer relationship rather than recovering a balance, which reframes cost of acquisition against breakage and makes the ROI case emotionally and financially persuasive.Banks Now Seek Outside PerspectiveA year ago, most banking clients told TP they would solve AI and CX challenges internally within their own teams and systems. In the last twelve months, that posture has shifted sharply toward requesting peer group insights, consortium-style knowledge sharing across 350+ global BFSI clients, and collaborative problem solving that treats the current wave of change as an industry-wide learning curve.Culture Shapes Customer Experience StrategyThree years of living and working in India reinforced that cultural context directly affects how customers respond to service interactions, communication styles, and engagement approaches across different regions. Global CX strategies that ignore cultural layers risk delivering a technically sound but emotionally flat experience, which is why regional adaptation matters as much as the tech stack powering the interaction.Hidden Fraud Detection Through BiometricsBeyond standard two-factor and three-factor authentication, financial services firms are now layering behavioral biometrics that track how a person physically handles their device during a transaction. Screen touch patterns, movement signatures, and Face ID verification create a composite identity profile that runs silently behind every interaction, catching anomalies that traditional password-based security would miss entirely.Meeting People Where They AreCross-functional leadership across global teams starts with something as simple as asking a new direct report which communication channel they prefer, whether that is Viber, WhatsApp, text, or another platform. That small signal of respect sets the tone for a people-first management approach where multiple perspectives are actively solicited, because the operating principle is that one brain is never as effective as seven or eight working together.Five Key Takeaways1️⃣ Bring Cross-Functional Teams To Every PilotSending one department to evaluate AI or data analytics tools is how pilots die quietly after 90 days. Get your operations lead, product owner, IT or data leader, and digital officer in the same room with one shared problem statement before you commit budget. That combination forces the real blockers to surface early, things like legacy system constraints, rule adjustments, and use case selection, so you can design around them instead of discovering them after you have already spent the money.2️⃣ Use Your Own Products Before SellingThe fastest way to understand a customer's pain is to become one. Before pitching a solution or onboarding a new client, find people inside your own organization who already use that client's product and pull them into the conversation. You will learn more about friction points, feature gaps, and real user behavior in one week of hands-on product use than in six months of reading market research decks.3️⃣ Arm...

Wafaa Amal est directrice générale de Prisme.ai, une start-up française spécialisée dans les plateformes d'intelligence artificielle générative et les agents autonomes pour les grandes organisations. Ingénieure de formation, elle a effectué ses études en France après une classe préparatoire scientifique à Casablanca. Elle débute sa carrière dans le conseil et le secteur des paiements, où elle accompagne des banques et institutions financières sur leurs projets technologiques.Elle rejoint ensuite Mastercard, où elle occupe plusieurs fonctions commerciales et stratégiques, notamment dans la gestion de grands comptes et le développement de partenariats en Europe. En parallèle, elle suit un Executive MBA à l'ESCP Business School, expérience qui lui donne le goût et l'envie de l'entrepreneuriat.En 2023, elle s'engage dans l'aventure Prisme.ai, dont elle prend la direction générale. Elle contribue à positionner la société sur les enjeux d'adoption et de gouvernance de l'IA en entreprise, en mettant l'accent sur la souveraineté technologique, la transparence et la sécurité des systèmes. Sous sa direction, la plateforme s'adresse principalement aux grands groupes et aux acteurs publics souhaitant industrialiser l'usage de l'intelligence artificielle tout en conservant la maîtrise de leurs données. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

Crypto News: U.S. regulator's GENIUS pitch casts dark cloud over crypto sector's stablecoin model. NY Times post bearish crypto article. MetaMask and Mastercard partner to launch the US MetaMask Card. Flare and Xaman unlock one-click DeFi access for over 2 billion XRP sitting idle in wallets. Brought to you by Ayni Gold https://app.ayni.gold/signup?utm_source=youtube&utm_campaign=thimkimgcrypto

Enjoy an hour of Easy Listening Christian Music. Each Saturday I will provide another hour of the Sweetest Sound in Town. We are a listener supported pod cast. If you have been blessed by our music I hope you will help with a tax deductible gift. You can donate on line with the Pay Pal tab on the bottom of this page. I will also be happy to send you an envelope for you to return a gift in or accept your Visa or MasterCard when you call our toll free number 1 888 382 0881. You can also send us your gift by mailing it to Shofar Broadcasting P.O. Box 1909 Charleston, W.V. 25327

Enjoy an hour of Easy Listening Instrumental Christian Music. Each Saturday I will provide another hour of the Sweetest Sound in Town. We are a listener supported pod cast. If you have been blessed by our music I hope you will help with a tax deductible gift. You can donate on line with the Pay Pal tab on the bottom of this page. I will also be happy to send you an envelope for you to return a gift in or accept your Visa or MasterCard when you call our toll free number 1 888 382 0881. You can also send us your gift by mailing it to Shofar Broadcasting P.O. Box 1909 Charleston, W.V. 25327

Is banking really changing at the core, or are we just putting better apps on old rails?In this episode of Couchonomics with Arjun, Arjun is joined in studio by Jayesh Patel, CEO of Wio Bank PJSC, to unpack what real transformation inside a bank actually looks like, how AI is reshaping operating models, and why stablecoins may compress time in money movement far more than most people realize.They break down the difference between digitizing processes and restructuring around the customer, why SME banking still has structural gaps, and how Wio is building with micro AI agents, smart offices, and long term product bets like family banking. They also dive into crypto as an investment class, regulated stablecoins in the UAE, and whether banks should issue, distribute, or build on top of digital currencies.

Welcome to Mastering Cyber with Host Alissa (Dr Jay) Abdullah, PhD, SVP & Deputy CSO at Mastercard, and former White House technology executive. Listen to this weekly one-minute podcast to help you maneuver cybersecurity industry tips, terms, and topics. Buckle up, your 60 seconds of cyber starts now! Sponsored by Mastercard: https://mastercard.us/en-us.html

Haseeb from Dragonfly explains why Visa and Mastercard aren't cooked yet, why most crypto x AI plays will fail, and where the real opportunity sits.We cover:- Stablecoins to $2.7 Trillion?- Why AI Agents Won't Use Credit Cards- The "Two Track" Future of Agent Payments- Are Wallets & Front-Ends Cooked?- Micropayments & The SaaS Apocalypse- China Caught Distilling US AI Models- Why Decentralized AI's Real Moment Is Still Ahead- Where Dragonfly's $650M Fund Is BettingTimestamps:00:00 Intro00:37 Stablecoin Growth to Multi-Trillion02:24 The Viral Credit Card Crisis Article03:42 Why Visa & Mastercard Aren't Cooked Yet09:25 Agent Payments & KYC Guardrails10:32 Just Give It $20 & See What Happens12:51 Hibachi, Relay Ads13:09 Wallets Get Disintermediated15:10 Micropayments & The SaaS Apocalypse18:15 Dragonfly's $650M Fund Allocation18:50 infiniFi Ad 19:21 Flash-in-the-Pan AI Products22:16 Where Crypto x AI Actually Converges24:41 China Distilling US AI Models26:58 The Case for Decentralized AI29:06 Closing ThoughtsWebsite: https://therollup.co/Spotify: https://open.spotify.com/show/1P6ZeYd...Podcast: https://therollup.co/category/podcastFollow us on X: https://www.x.com/therollupcoFollow Rob on X: https://www.x.com/robbie_rollupFollow Andy on X: https://www.x.com/ayyyeandyJoin our TG group: https://t.me/+TsM1CRpWFgk1NGZhThe Rollup Disclosures: https://goodidea.ventures

Ein Gedankenexperiment von Citrini Research erschüttert die Tech-Welt und vernichtet über Nacht hunderte Milliarden an Börsenwert. Die düstere Vision: Menschliche Denkleistung wird durch die KI ersetzt. Eine "Intelligence-Displacement-Spiral" disruptiert hoch bezahlte Bürojobs und löst eine strukturelle Wirtschaftskrise aus. In dieser Episode diskutieren die beiden Wirtschaftsjournalisten Dietmar Deffner und Holger Zschäpitz, ob wir gerade den Gipfel einer irrationalen KI-Hysterie erleben oder ob der "Kanarienvogel in der Mine" bereits verstummt ist. Während Software-Aktien und Zahlungsdienstleister wie Mastercard unter die Räder kommen, stellt sich die Frage: Ist der Ausverkauf die Einstiegschance des Jahrzehnts? Außerdem im Fokus: Das hitzige Pro und Contra zum Social-Media-Verbot für unter 14-Jährige nach dem Vorbild Australiens. DEFFNER & ZSCHÄPITZ sind wie das wahre Leben. Wie Optimist und Pessimist. Im wöchentlichen WELT-Podcast diskutieren und streiten die Journalisten Dietmar Deffner und Holger Zschäpitz über die wichtigen Wirtschaftsthemen des Alltags. Schreiben Sie uns an: wirtschaftspodcast@welt.de Impressum: https://www.welt.de/services/article7893735/Impressum.html Datenschutzerklärung: https://www.welt.de/services/article157550705/Datenschutzerklaerung-WELT-DIGITAL.html

In der heutigen Folge sprechen die Finanzjournalisten Anja Ettel und Holger Zschäpitz über Enttäuschung bei Novo Nordisk, Gileads Milliarden-Move und Übernahmefantasie bei Paypal. Außerdem geht es um Mongo DB, Zscaler, Datadog Doordash, American Express, Mastercard, Visa, Novo Nordisk, Eli Lilly, Gilead, Arcellx, Domino's, IBM, PayPal, BMW, VW, Mercedes-Benz, SAP, Infineon, Cloudflare, Crowdstrike, Zscaler, KKR, Blackstone, Apollo, GE Vernova, L&G Gold Mining ETF (WKN: A12CCL), L&G DAX Daily 2x Short (WKN: A0X8ZS), Amundi Core MSCI USA (WKN: ETF154), iShares MSCI USA (WKN: A0YEDU), SPDR S&P 500 (WKN: A3EUC1), UBS Core S&P 500 (WKN: A41DL0), SPDR S&P 500 Leaders (WKN: A2PSPE), iShares Core MSCI World (WKN: A0RPWH), Ark Innovation ETF (A14Y8H) und SPDR MSCI All Country World IMI (WKN: A1JJTD). Wir freuen uns an Feedback über aaa@welt.de. Noch mehr "Alles auf Aktien" findet Ihr bei WELTplus und Apple Podcasts – inklusive aller Artikel der Hosts und AAA-Newsletter. Hier bei WELT: https://www.welt.de/podcasts/alles-auf-aktien/plus247399208/Boersen-Podcast-AAA-Bonus-Folgen-Jede-Woche-noch-mehr-Antworten-auf-Eure-Boersen-Fragen.html. Der Börsen-Podcast Disclaimer: Die im Podcast besprochenen Aktien und Fonds stellen keine spezifischen Kauf- oder Anlage-Empfehlungen dar. Die Moderatoren und der Verlag haften nicht für etwaige Verluste, die aufgrund der Umsetzung der Gedanken oder Ideen entstehen. Hörtipps: Für alle, die noch mehr wissen wollen: Holger Zschäpitz können Sie jede Woche im Finanz- und Wirtschaftspodcast "Deffner&Zschäpitz" hören. +++ Werbung +++ Du möchtest mehr über unsere Werbepartner erfahren? Hier findest du alle Infos & Rabatte! https://linktr.ee/alles_auf_aktien Impressum: https://www.welt.de/services/article7893735/Impressum.html Datenschutz: https://www.welt.de/services/article157550705/Datenschutzerklaerung-WELT-DIGITAL.html

Microsoft: 5 procent in het rood. Crowdstrike: verliest 10 procent. En IBM lijdt zelfs het grootste koersverlies sinds het jaar 2000: 13 procent. Beleggers zijn opeens niet meer bang voor een AI-bubbel, maar vrezen dat al die kunstmatige intelligentie de verdienmodellen van bijna alle gevestigde bedrijven kapot gaat maken. Met als gevolg massale werkloosheid, en een enorme recessie. Het wordt allemaal geschetst in een doomsday-scenario van een zwartgallige onderzoeker, maar toch wegen beleggers er heel zwaar aan. Waarom? En terecht? Dat zoeken we deze aflevering voor je uit. Het is ook de dag dat de nieuwe importheffingen van Donald Trump ingaan. En de dag dat het eerste bedrijf in opstand komt. Pakketbezorger FedEx eist z'n geld terug. Dat heeft flink moeten dokken voor al die importheffingen en wil dat vergoed zien door de Amerikaanse overheid. Zijn ze dapper, of roepen ze de wraak van Trump op zich af? Verder hoor je nog over AMD. Dat sleept weer een nieuwe klant binnen. Volgens sommigen krijgen ze tot wel 100 miljard dollar voor chips die ze aan Meta gaan leveren. En over Meta gesproken: een van hun AI-topmensen blijkt niet zo goed om te kunnen gaan met... AI. Te gast: Jean-Paul van Oudheusden, van eToro en de man achter Markets are Everywhere 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. 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 BNR Zakendoen en 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. Van Musk tot Microsoft en van Ahold tot ASML. Wij vertellen je wat beleggers bezighoudt, wie de markten in beweging zet en wat dat betekent voor jouw beleggingsportefeuille.See omnystudio.com/listener for privacy information.

GoMining CEO Mark Zalan challenges the "digital gold" narrative, arguing Bitcoin must transition into a functional currency via 2026 payment rails designed to outperform legacy giants like Visa and Mastercard. GoMining CEO, Mark Zalan, joined CoinDesk Live at Consensus Hong Kong to challenge bitcoin's "digital gold" narrative. Zalan explains why Bitcoin must evolve from a stagnant investment into a functional currency to achieve true mass adoption. He breaks down the infrastructure hurdles preventing everyday spending and how GoMining's 2026 rollout of new payment rails aims to outperform legacy giants like Visa and MasterCard. - This episode was hosted live by Jennifer Sanasie at Consensus Hong Kong 2026, presented by Hex Trust.

Join us in this episode as we explore the transformative role of technology, especially AI, in aging well. Our guest, Jon Warner, a seasoned expert in healthcare and innovation for older adults, shares his journey, latest trends, and a hopeful vision for the future of personalized, preventative care that empowers individuals to thrive at any age.About JonJon Warner is an aging expert and sought-after advisor for digital health, health, healthcare and wellness organizations. Five-time company CEO, Jon is a widely respected entrepreneur having founded and led 3 startups (with 2 successful exits).His career started in the corporate world with Air Products and Chemicals, working in the US and across Europe before joining Exxon-Mobil. Following his 15 years in the corporate world, Warner founded and grew The Worldwide Centerfor Organizational Development, a management consulting business with global clients including Ford Motor Company, L'Oreal, British Airways, HSBC, Microsoft, Glaxo, Foster Wheeler, Toyota, Johnson and Johnson, Coca-Cola, PWC, The UK NHS, Roche and MasterCard.Key TakeawaysIn the past two decades, macro demographic changes have led to increased innovation and more focus on aging populations.Aging is plastic, not predetermined: Aging is a flexible process, influenced by lifestyle and epigenetic factors.Innovation in AI allows us to customize solutions and tailor them in ways that will help us to thrive and to prevail for longer in better health. AI is capable of pulling together data and creating new threads of insights.AI brings the opportunity to case-assess more richly and not only understand the care that's being rendered, but in what context the person lives. Using AI in affordable housing allows analysis of social determinants of health data—answering questions like: Does beingsocial and having a wide friend set prevent heart disease and dementiaAI needs contextual thinking provided by humans The risk of AI is misinformation from scaping the internet, which is not always reliable. We need “guidelines and guide rails.” To reduce risk, be specific with prompts and rely on credible reports and studies.Precision medicine eliminates a one-size-fits-all approach. Genomic data and social determinant data allows us to render solutions that are individualized in ways we couldn't imagine a decade ago.

What does a rock legend who's been performing for 50+ years have to teach us about leadership? More than you'd think. Andy Freed has been to 95 Bruce Springsteen concerts. And somewhere along the way, he realized there's a reason they call him "the Boss"—and it's not just because he can put on a three-hour show at age 75. It's because Bruce Springsteen understands something most leaders miss: communication is leadership. And the way you communicate—your preparation, your energy, your intentionality—determines whether people follow you or just show up for the paycheck. Andy is the founder and CEO of Virtual, a company that works with some of the biggest organizations in the world (Google, Meta, Microsoft, Visa, MasterCard) to help them solve multi-company collaboration challenges. And what he's discovered is that even the biggest companies struggle with the same thing: bad meetings, ineffective communication, and leaders who don't realize that every moment is a performance. In this conversation, Andy breaks down his Think, Feel, Do framework for effective communication, explains why most meetings are "business karaoke," and shares what leaders can learn from the way Bruce Springsteen prepares for a show, energizes an audience, and makes every band member feel like the most important musician on earth. What You'll Learn: Why communication is leadership—and why you can't be an effective leader without the ability to communicate well The Think, Feel, Do framework: how to prepare for any communication by asking what you want your audience to think, feel, and do by the end Why most leaders communicate thinking about themselves, not their audience—and how to flip that script The efficiency vs. effectiveness trap in meetings: why leaders focus on doing all things fast instead of doing the right things well Why bad meetings happen (hint: it starts with bad preparation)—and how to make meetings actually useful The "business karaoke" problem: why PowerPoint has become the karaoke track of corporate America and how to use it more effectively What Bruce Springsteen does at the end of every show that creates loyalty and longevity in his band (and why leaders need to do the same) William James's insight: the deepest human need is the need to be appreciated—deeper than hunger, sex, or money How to inspire loyalty and retention: making people feel seen and appreciated in small, consistent ways Why technology makes communication easier but worse—and how to be more intentional despite the ease of Zoom, Teams, and PowerPoint The AI revolution: why it's bigger than the internet was, and how leaders need to engage with it (hint: just play with it for an hour or two every day) Why getting people back to the office matters for building trust and relationships—and what's lost when the only interaction is ineffective Zoom meetings The "crowd at chow time" principle: how people learn the unwritten rules of business by being in proximity to others Why every moment is a performance for leaders: if you're looking at your phone in a meeting, you haven't said anything—and yet you've said everything The difference between good leaders and exceptional ones: exceptional leaders think about the audience first and focus on creating more leaders, not protecting their fiefdom Why energy is vital in leadership: if you want your team at 95%, you better show up at 100%—because they'll never exceed your energy level The "Born to Run" lesson: Bruce has played it 1,878 times and gives it his all every time—because you need to hear a message seven times to remember it, but most leaders lose interest after two or three How intentional leadership compounds: when you're deliberate about where you invest your energy, every moment counts Key Insight: Nobody cares about the information you're presenting more than you do. If you come in at 70% energy and expect your team to respond at 95%, you're setting yourself up for failure. Great leaders understand that communication isn't just about what you say—it's about how you prepare, how you show up, and whether you're thinking about what your audience needs to hear (not just what you want to say). And here's the truth: the concepts in this conversation aren't complicated. The ways to go from good to great on communication are within your grasp. You just have to want it, value it, and be intentional about it. It won't happen by accident. Reflection Questions: When you communicate, are you thinking about yourself or your audience? What do you want people to think, feel, and do at the end of your next meeting or presentation? Are you showing up with the energy you expect from your team? Are you creating more leaders, or protecting your leadership fiefdom? What would you prioritize if you had to be more intentional with your leadership energy? Resources Mentioned: Lead Like the Boss: Leadership Lessons from Bruce Springsteen and the E Street Band  Virtual (Andy's company): helping organizations build multi-company consortia and solve collaboration challenges Connect with Andy Instagram: afreed29 YouTube: @5minuteswithandy Email: Info@andyfreed.com About Andy Freed: Andy Freed is a leadership expert, CEO, and communication strategist who has spent decades helping leaders and organizations improve how they connect, collaborate, and get things done. As the founder and CEO of Virtual, Andy works with some of the world's largest companies—including Google, Meta, Microsoft, Visa, and MasterCard—to build multi-company consortia that solve complex challenges in areas like interoperability and security. Before founding Virtual, Andy worked in politics, helping candidates run for president, governor, and senator, where he learned firsthand the power of effective communication under pressure. When he transitioned to the private sector, he brought those insights with him, discovering that even the biggest companies struggle with the same fundamental problems: bad meetings, poor communication, and leaders who don't realize that every moment is a performance. Andy is also a devoted Bruce Springsteen fan who has attended 95 concerts and counting. In his book Lead Like the Boss: Leadership Lessons from Bruce Springsteen and the E Street Band, Andy distills decades of leadership experience and insights from watching the Boss into practical, actionable frameworks that any leader can use to improve their communication, energize their teams, and create more leaders.  

Today's Headlines: The fallout from the Jeffrey Epstein files escalated after the Department of Justice released a letter signed by Deputy AG Todd Blanche outlining redactions and listing “politically exposed” names — mostly celebrities and public figures already publicly referenced. Attorney General Pam Bondi said no additional files will be released, despite reports that millions of pages remain sealed. Consequences are, at least, unfolding abroad. Thomas Pritzker stepped down from Hyatt Hotels Corporation. Buckingham Palace backed a police investigation into Prince Andrew, while French authorities assembled a team to examine related allegations. Investigations also involve former Norwegian PM Thorbjørn Jagland and port executive Sultan Ahmed bin Sulayem. European leaders are weighing alternatives to Visa and Mastercard over economic security concerns, as the EU and Indo-Pacific partners — with Canadian PM Mark Carney — discuss forming a major trade bloc. At the Munich Security Conference, Secretary of State Marco Rubio sought to reassure allies amid doubts about U.S. commitment to NATO, reportedly skipping EU leadership meetings while meeting Hungary's Viktor Orbán and Slovakia's Robert Fico. A joint European report concluded Russian opposition leader Alexei Navalny was killed with a rare synthetic toxin; Russia rejected the findings. In domestic news, ICE is planning a $38 billion detention expansion, including a Georgia warehouse purchased from Moscow-linked PNK Group at a steep markup. A separate report detailed turbulence inside DHS under Secretary Kristi Noem, including private jet travel and the firing — then rehiring — of a Coast Guard pilot over a misplaced blanket. Defense Secretary Pete Hegseth announced the Pentagon will end graduate partnerships with Harvard University and review similar programs. A federal grand jury declined to indict Senators Mark Kelly and Elissa Slotkin over a video about refusing illegal orders. Meanwhile, the Bureau of Labor Statistics revised 2024–2025 job numbers down by more than 1.5 million combined — the largest downward revision in decades. And finally, former President Barack Obama clarified he's seen no evidence of extraterrestrials visiting Earth. Resources/Articles mentioned in this episode: The Daily Beast: Bondi Desperately Tries to Bury Epstein Files for Good—Again ​​WSJ: Thomas Pritzker, Named in Epstein Files, Retires as Hyatt Executive Chairman Reuters: European figures caught in web of Epstein ties  NYT: Europe Worries Trump Poses Threat to Its Financial and Tech Sovereignty News 18: Mark Carney Leads Push To Form Major Trade Bloc As Trump Threatens Canada With Tariffs: Report NBC News: Warmer words but relations remain frosty between the U.S. and its old friends in Europe Axios: What we know about rare poison Russia is accused of using on Navalny WaPo: ICE plans to spend $38B on warehouse conversions WSJ: A Pilot Fired Over Kristi Noem's Missing Blanket and the Constant Chaos Inside DHS CNN: Pentagon may bar tuition aid for top universities in Hegseth's crackdown on ‘biased' schools CNBC: DC grand jury declines to indict Sens. Kelly, Slotkin for seditious conspiracy NYT: Job Growth Was Overstated, New Data Shows CNN: Obama clarifies alien comments after telling podcast ‘they're real' Morning Announcements is produced by Sami Sage and edited by Grace Hernandez-Johnson Learn more about your ad choices. Visit megaphone.fm/adchoices

Instead of following trends, Satisfy chooses to build a brand that's different. Daniel said it best: “The easiest way to do something quite different is to not look at anything at all.”In a landscape where brands benchmark competitors and chase fleeting trends, Satisfy focuses on culture. They hire for it before skill, treat customers as guests, and think in decades rather than moments.This philosophy shines through in the Satisfy Pro Team. It's not just a sponsorship roster, but a reflection of the brand's commitment to process and discipline. The key takeaway: Most brands chase relevance, but Satisfy builds consistency. They react to culture, while Satisfy hires for it. They aim for long-term impact, not short-term hype.This conversation is a masterclass in long-term brand strategy and the discipline of saying no.Watch the video version of this podcast on Youtube ▶️: https://youtu.be/CRUMwdDoj5o

Clay breaks down his best quality stock idea for Q1 2026: Visa. Visa is a global payments network that operates as a toll booth on commerce. Visa is one of the most durable and capital-light business models in the world. IN THIS EPISODE YOU'LL LEARN: 00:00:00 - Intro 00:02:48 - How Visa fits into Dev Kantesaria's investing strategy 00:08:55 - The history of how Visa became the giant, ubiquitous network we all know of today 00:12:21 - Visa's role as an information network that avoids all card issuance and lending risk 00:25:08 - A side-by-side comparison of Visa versus its primary competitors, Mastercard and American Express 00:29:40 - The future of the $200 trillion dollar "New Flows" market and the rise of AI-driven agentic commerce 00:34:41 - An analysis of Visa's pristine financial profile, featuring 60% operating margins and low capital intensity 00:46:54 - A look at valuation level, the primary risks, and much more! Disclaimer: Slight discrepancies in the timestamps may occur due to podcast platform differences. BOOKS AND RESOURCES Join the exclusive ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TIP Mastermind Community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to engage in meaningful stock investing discussions with Stig, Clay, Kyle, and the other community members. Learn how to join us in Omaha for the Berkshire meeting ⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠. The Intrinsic Value Podcast's episode on Visa. Related Episode TIP768: Best Quality Idea Q4 2025. Related Episode TIP745: Best Quality Idea Q3 2025. Follow Clay on ⁠X⁠ and ⁠LinkedIn⁠.  Related ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠books⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ mentioned in the podcast. Ad-free episodes on our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Premium Feed⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. NEW TO THE SHOW? Get smarter about valuing businesses in just a few minutes each week through our newsletter, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Intrinsic Value Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Check out our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠We Study Billionaires Starter Packs⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Follow our official social media accounts: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠X (Twitter)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Browse through all our episodes ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Try our tool for picking stock winners and managing our portfolios: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TIP Finance Tool⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Enjoy exclusive perks from our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠favorite Apps and Services⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn how to better start, manage, and grow your business with the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠best business podcasts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. SPONSORS Support our free podcast by supporting our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠sponsors⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠: ⁠HardBlock⁠⁠ ⁠⁠Human Rights Foundation⁠⁠ ⁠⁠Simple Mining⁠⁠ ⁠⁠Netsuite⁠⁠ ⁠⁠Shopify⁠⁠ ⁠⁠Plus500⁠⁠ ⁠⁠Vanta⁠⁠ ⁠⁠Masterworks⁠⁠ ⁠⁠Fundrise References to any third-party products, services, or advertisers do not constitute endorsements, and The Investor's Podcast Network is not responsible for any claims made by them. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://theinvestorspodcastnetwork.supportingcast.fm

As more small businesses move sales, payments, and customer relationships online, they unlock new opportunities, but they also become easier targets for cyber-criminals and other threat actors.In this episode of Local to global: The power of small business, host JJ Ramberg sits down with Shamina Singh, Founder & President of the Mastercard Center for Inclusive Growth, and Brian Cute, Interim CEO and Director of Capacity & Resilience at the Global Cyber Alliance, to explore what Southeast Asia's fast-growing digital economy reveals about the cybersecurity challenges facing micro, small and medium-sized businesses everywhere.Together, they unpack what cyber-risk looks like on the ground, from phishing, ransomware, and malware to low-tech scams like QR-code sticker switching. They also examine why the damage rarely stays local; when a small supplier gets hit, disruptions can cascade through regional networks and even global supply chains.The good news is that their collaboration in Southeast Asia is also surfacing solutions that the rest of the world can borrow. Singh and Cute share what works, including public-private partnerships that deliver practical toolkits, localized training, and basic cyber hygiene that businesses can adopt, especially as AI-driven fraud and deepfakes make scams harder to spot.Local to global: The power of small business is a podcast series from GZERO Media's Blue Circle Studios and Mastercard, exploring why small businesses are poised to play an even bigger role in the future of the global economy. Host: JJ RambergGuests: Shamina Singh, Brian Cute Subscribe to the GZERO World with Ian Bremmer Podcast on Apple Podcasts, Spotify, or your preferred podcast platform, to receive new episodes as soon as they're published. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

If you're looking for help with crypto taxes, Crypto Tax Girl is offering $100 off for Unchained listeners. They provide personalized crypto tax reports and tax returns, and availability before April 15 is limited. Go to http://cryptotaxgirl.com/unchained to save $100! The White House is intervening in the fight over stablecoin yield. And AI agents are… organizing? In this special episode of DEX in the City, Zerohash CEO Edward Woodford joins hosts Jessi Brooks and Katherine Kirkpatrick Bos to unpack the White House meeting to resolve disputes over the CLARITY Act and the Moltbook craze. Listen to find out why Edward thinks CLARITY should have a narrower focus and what he thinks is more important than the yield debate. Plus why Jessi thinks the crypto industry is pinning too much hope on the bill. Don't also miss Edward's rationale behind rejecting $2B from Mastercard and KK's awkward interaction with a teacher after offering to teach crypto at her son's school. Meanwhile, as AI agents proliferate, where does accountability lie? Hosts: Jessi Brooks, General Counsel at Ribbit Capital Katherine Kirkpatrick Bos, General Counsel at StarkWare Guest: Edward Woodford, Founder and CEO of Zerohash Links: ​​Crypto Market Structure Bill Clears Senate Committee — But the Hard Part Is Still Ahead Senators Move to Curb Passive Stablecoin Yields in Market Structure Push Mastercard in Talks to Buy Zerohash for $2 Billion: Report How the GENIUS Act Creates a Built-In Advantage for Banks and Deposit Tokens How Nansen's New Trading Agent Makes It Easier to Follow the Smart Money Onchain How the x402 Standard Is Enabling AI Agents to Pay Each Other Reading is Fundamental Stablecoin for Babies Learn more about your ad choices. Visit megaphone.fm/adchoices