Podcasts about Neobank

Lex interviews Shachar Bialick, the founder and CEO of Curve, a fintech mobile wallet. In this exciting episode, Shachar touches on: (1) his background as a serial entrepreneur and his experience in the Israeli military shaped his ability to solve problems and work in high-stress environments, which are key traits for a successful founder. (2) The initial idea behind Curve was to create a "wallet to rule them all" - a single interface that could consolidate and manage multiple payment cards and accounts, providing more value and convenience to customers. (3) Building Curve involved navigating complex challenges, such as convincing payment networks like Mastercard and Visa to change their rules to allow Curve's back-to-back wallet technology. This required a resilient, innovative, and persistence approach. (4) Shachar emphasizes the importance of building a company culture that fosters curiosity, adaptability, and a belief that "everything is possible" rather than focusing on perceived limitations. (5) Lastly, Shachar discusses the evolution of the fintech landscape, including the challenges faced by neobanks in creating true financial marketplaces, and the ongoing issues with the implementation of open banking standards. MENTIONED IN THE CONVERSATION Topics: Curve, ApplePay, Google Wallet, PayPal, Tink, neobank, fintech, wallets, payments, paytech, NFC, Open Banking ABOUT THE FINTECH BLUEPRINT 

On this week's episode of News& Views, The Fintech Times Podcast team speak about UK neobanks edging out traditional legacy banks in app downloads, according to a recent study by global software company SplitMetrics & explore whether enough is being done regarding inclusivity within Banking services.

Joakim Bruchmann, CEO & co-founder, Pluto.markets, and Ken Villum Klausen, the founder and CEO of Danish challenger bank Lunar, discuss Denmark as a tech hub.

●プロフィール 税理士事務所を経営しながら、お金の知識を発信＆全国各地の学校でお金の授業を実施。夢は、お金の教育を日本に根付かせること。 https://moneliteg.com/interview-money-education/ ポートフォリオ https://kaoruookouchi.com/ ●学校での授業の様子 →https://youtube.com/playlist?list=PLdvow3CjKbsFmTzH2Wj2fP70MCiS1Jwn_ ーーーSNSなどーーー

In dieser Folge dreht sich alles um die Zukunft des Bankings und wie digitale Neobanken die Finanzwelt revolutionieren. Die traditionellen Banken stehen unter Druck, da immer mehr Verbraucher nach flexiblen, digitalen Lösungen suchen, die ihre Finanzbedürfnisse schnell und unkompliziert abdecken. Neobanken wie Revolut sind mit innovativen Geschäftsmodellen und einem Fokus auf Benutzerfreundlichkeit dabei, die Finanzlandschaft nachhaltig zu verändern. Aber wie genau gelingt es solchen Unternehmen, sich in einem so stark regulierten und umkämpften Markt durchzusetzen? Und welche Rolle spielt dabei die kontinuierliche Expansion und die Entwicklung neuer, kundenorientierter Produkte? Darüber sprechen wir mit Wiktor Stopa, dem Head of Growth Western Europe, von Revolut. Er gibt uns spannende Einblicke in die Wachstumsstrategie des Unternehmens, die Herausforderungen bei der Expansion in verschiedene europäische Märkte und die Vision, wie Revolut das Bankwesen der Zukunft gestalten will. Mit einer globalen Kundenbasis und einer breiten Produktpalette ist die Neobank auf dem besten Weg, eine feste Größe im digitalen Finanzsektor zu werden. In dieser Folge erfahren wir, welche Schritte das Unternehmen gegangen ist, um den Meilenstein von 50 Millionen Kunden zu erreichen. Und was Revolut noch plant, um sich langfristig als führender Player auf dem Markt zu etablieren. Eine Folge für alle, die verstehen wollen, wie Revolut die Regeln des Bankings neu definiert. Und für alle, die einen Blick hinter die Kulissen eines der innovativsten Fintech-Unternehmen werfen und mehr über die Zukunft des digitalen Bankings erfahren möchten.

Twitterアカウント始めました！質問やコメントなど受け付けています！⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/trycatch_fm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

“年利実質18％”のヤマダ積立預金、キャンペーン中止に　ヤマダデンキ「見通しが甘かった」。　ヤマダデンキは12月2日、会員向けの預金・振込サービス「ヤマダNEOBANK」で展開していたキャンペーン「ヤマダ積立預金 満期特典」を中止すると発表した。一部の利用者が大量に申請するなど、想定をはるかに超える申し込みがあったという。これを受け同社は「当初の目的を鑑み、誠に勝手ながら、特典について中止することを決定した」と説明している。

Overview: Today, we're going to explore PiggyVest - the Nigerian savings and investment platform. We'll discuss the story across the following areas: African Banking & Neobank context  PiggyVest's early history Product & monetization strategy Competitive positioning & potential exit options Overall outlook This episode was recorded on Oct 30, 2024 Companies discussed: PiggyVest, Chipper Cash, Kuda Bank, Paystack, Flutterwave, FairMoney, Paystack, Brass, Cowrywise, Carbon, Chipper Cash, Interswitch, GTBank, Sterling Bank & UBA. Business concepts discussed: Neobank / Challenger bank / digital bank strategy, remittances Neobank monetization & Consumer Lending, consumer FinTech monetization strategy, consumer lending, retail banking strategy, customer segmentation strategy & low-end disruption Conversation highlights: (00:30) - Introduction (05:00) - African Banking & Neobank context (25:30) - Piggyvest's Founding Story (40:15) - Fundraising and Growth (52:30) - Geographical Expansion and Partnerships (01:18:52) - Product and Monetization strategy (01:35:20) - Competition and options for exit (01:54:35) - Bankole's overall thoughts and outlook (02:05:15) - Olumide's overall thoughts and outlook (02:15:45) - Recommendations and small wins Olumide's recommendations & small wins: Recommendation: Sisqo - Got to Get it video - Insane shit. Sisqo singing and dancing his heart out. So dope. Recommendation: Rob Berger's Personal Finance YouTube channel Recommendation: The Patriarch: The Remarkable Life and Turbulent Times of Joseph P. Kennedy. Excellent book. A little bit of everything, entrepreneurship - history, politics, family life & hollywood.  Small win: I spent the week in Cusco & Lima, it was magical and fun. Some sand, some llamas, lots of dancing. Epic shit Bankole's recommendations & small wins: Recommendation: BBC Radio 4 - In Our Time Podcast & Active - Asake Small win: Running 25 miles a week Other content: These Nigerian universities produced the most startup founders - Nairametrics  Listeners: We'd love to hear from you. Email info@afrobility.com with feedback! Founders & Operators: We'd love to hear about what you're working on, email us at info@afrobility.com Investors: It would be great to link up with you. Contact us at info@afrobility.com Join our insider mailing list where we get feedback on new episodes & find all episodes on Afrobility.com

Yopaki is Mexico's upcoming Bitcoin-based neobank startup, founded by Francisco Chavarria. In this episode we discuss Bitcoin in Mexico, running his startup from Austin Texas, and why this founder is thinking of moving his family back to Mexico.

The Federal Trade Commission (FTC) announced on Tuesday it will be taking action against the online cash app and neobank Dave, which it says used “misleading marketing to deceive consumers.” At issue is how Dave marketed $500 cash advances to consumers that it rarely offered. Learn more about your ad choices. Visit podcastchoices.com/adchoices

With traditional banks, it takes days to move your money, they offer little to no yield, and worst of all, they can freeze your account without warning. Also, you no longer control your assets once deposited - they become liabilities on the bank's balance sheet. That means if things go wrong, your best hope is a bailout. We're currently ushering into a new era of banking, one powered by stablecoins. One company building on this vision is Dakota, a crypto-powered neo-bank designed for global businesses. With Dakota, your deposits are fully backed by U.S Treasuries, you can send money globally with no transaction fees, and earn yield on your assets through U.S Treasuries and DeFi products, all within a single platform.  On Episode 76, I spoke with Ryan Bozarth, the Co-Founder & CEO of Dakota.  If you're a fan of the smooth, user-friendly experience of Neobanks like Mercury, Brex, Wise, or Revolut, then you're going to love Dakota. Think all that, but with the speed of crypto - where international wires don't take days, but minutes. ✅ OUR RESOURCES ✨Become a confident Web3 Accountant with our weekly free newsletter: https://www.theaccountantquits.com/newsletter

Listen to the story of Sam Ghiotti and Liam McCance from Habitto. Habitto is tapping into a shifting mindset in Japan, where decades of near-zero interest rates are giving way to a hunger for smarter money management. By offering higher yield savings accounts as an entry point, Habitto then guides users towards insurance and investment products, increasing customer lifetime value while helping them meet financial goals.Habitto is currently raising their Series A, co-led by a tier 1 global fintech investor, together with a local Japanese VC firm. The team's diverse expertise, blending global innovation with local know-how, positions Habitto uniquely in the Japanese market.At publication of this episode, Habitto is actively raising funds.Angel investors Natsuko Ideka and Samika Biswasroy join the Investor Talk at the end of this podcast (37:30).Hosted by Hester Spiegel and Maaike Doyer, founders of Epic Angels.

Monzo is now valued at $5.9 billion after the U.K.-based challenger bank announced a secondary market share sale to provide liquidity for its employees. The transaction saw existing investors such as Singapore's sovereign wealth fund (GIC) and StepStone Group procuring additional shares in the London-based fintech. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Despite a week being skipped, this podcast is neither biweekly nor fortnightly… also, don't take our financial advice! Email us at toastandroast@pm.me!

Revolut, eines der erfolgreichsten Fintech-Unternehmen der Welt, verfolgt ehrgeizige Expansionspläne in Deutschland und möchte in einem der wichtigsten Finanzmärkte Europas seine Position weiter stärken. Als global führende Neobank hat Revolut in den letzten Jahren durch sein innovatives Geschäftsmodell, das auf rein digitalen Finanzdienstleistungen basiert, bereits Millionen von Kunden weltweit gewonnen. Auch in Deutschland sieht das Unternehmen enormes Potenzial, da immer mehr Verbraucher und Unternehmen traditionelle Banken hinter sich lassen und auf flexible, digitale Lösungen setzen. Der deutsche Markt für Neobanken boomt, befeuert durch eine wachsende Nachfrage nach unkomplizierten und schnellen Finanzservices, die über mobile Apps zugänglich sind. Besonders junge, technikaffine Menschen und Unternehmen schätzen den Komfort und die Kostenvorteile, die Neobanken bieten. Hier sieht Revolut eine große Chance: Durch neue Produkte und Dienstleistungen, die speziell auf die Bedürfnisse deutscher Kunden zugeschnitten sind, will das Unternehmen seine Reichweite und Kundenbasis weiter ausbauen. Eine Folge für alle, die sich dafür interessieren, mit welchen Funktionen Revolut plant, sich langfristig als führender Player auf dem deutschen Markt zu etablieren und wie das Unternehmen die Zukunft der Finanzbranche aktiv mitgestalten möchte.

Aktien hören ist gut. Aktien kaufen ist besser. Bei unserem Partner Scalable Capital geht's unbegrenzt per Trading-Flatrate oder regelmäßig per Sparplan. Alle weiteren Infos gibt's hier: scalable.capital/oaws. Aktien + Whatsapp = Hier anmelden. Lieber als Newsletter? Geht auch. Das Buch zum Podcast? Jetzt lesen. LVMH nimmt die Hintertür zu Moncler, AT&T und EchoStar flirten, Volkswagen senkt wieder, Apple will nicht investieren, Cassava Sciences kriegt Ärger und Bristol-Myers Squibb kriegt Zulassung. Zalando (WKN: ZAL111) hat Probleme mit Temu und Shein. Trotzdem steigt die Aktie. Warum? Grab Holdings (WKN: A3C8H0) wird zur Neo-Bank und möchte mehr Asiaten mit Konten ausstatten. Damit wird das Uber Südostasiens immer mehr zur Super-App oder doch zum Check24? Diesen Podcast vom 30.09.2024, 3:00 Uhr stellt dir die Podstars GmbH (Noah Leidinger) zur Verfügung.

Lex chats with Zuben Mathews - CEO and Co-founder of Brigit. Brigit is a leading consumer financial app in the United States that offers a suite of holistic financial products including budgeting, financial insights, access to paychecks, and credit building. Zuben kicks off the conversation discussing his journey from investment banking at Deutsche Bank to founding one of the largest financial health apps in the U.S. Mathews reflects on his early experiences in banking, where he launched a small entrepreneurial team within Deutsche to leverage the bank's data and client relationships to drive revenue. This experience helped shape his approach to solving real financial pain points, which became the foundation of Brigit. Zuben explains Brigit's focus on addressing the U.S. financial crisis of living paycheck-to-paycheck, a problem he personally experienced as an immigrant student. Brigit's initial product leverages cashflow data to provide instant cash advances, helping users avoid overdrafts and predatory loans. Mathews emphasizes that Brigit's success stems from a commitment to solving users' deepest financial issues and using real-time cashflow data, not traditional FICO scores, to provide financial solutions. The conversation delves into Brigit's subscription-based business model, which offers transparency and value to users, helping them save money while improving financial stability. Zuben discusses how the app has grown to serve over a million users, generating more than $100 million in revenue with a small team of 90. He also addresses challenges in fintech, such as data access in the U.S. compared to Europe's open banking regulations, and calls for more balanced regulation that encourages innovation while protecting consumers. The discussion concludes with Zuben advocating for greater access to bank data and better infrastructure for fintechs, highlighting the importance of innovation in improving customer outcomes in the financial space. MENTIONED IN THE CONVERSATION Brigit's Website: https://bit.ly/4d8tqohZuben's LinkedIn: https://bit.ly/3XvsEvT Topics: Fintech, neobank, overdraft, cash advance, subscription, financial wellbeing, PSD2, regulation Tags: Brigit, Deutsche Bank, Plaid, Chime, Revolut, Monzo, Yodlee, Synapse, Coastal Community Bank ABOUT THE FINTECH BLUEPRINT 

Simon McLoughlin, CEO of Uphold, talks about the latest news with the crypto platform.Topics:- Uphold's new USD Interest Accounts - Crypto Market Outlook for Q4 and 2025 - Uphold's plan to be a Neobank 

Wenn man so will, dann feiert N26 demnächst seinen – gemessen ab Marktstart – zehnten Geburtstag. Was insofern interessant ist, als sich das immer noch junge Leben der größten deutschen Neobank gewissermaßen in zwei Phasen unterteilt. Die ersten fünf Jahre waren demnach die Zeit der ungezügelten Expansion, kulminierend 2019, als sich die Belegschaft binnen zwölf Monaten verdreifachte und der darob erzeugte Verlust von mehr als 200 Mio. Euro (bei gut 100 Mio. Euro Umsatz) kaum jemanden zu sorgen schien. Hätte man damals prophezeit, dass N26 fünf Jahre später nahezu profitabel sein würde, womöglich hätte Valentin Stalf das sogar unterschrieben. Und heute??? Heute ist N26 tatsächlich nahezu profitabel (der Juli sei der ergebnistechnisch beste Monate seit Gründung gewesen, bis Jahresende werde man auf Monatsbasis schwarze Zahlen schreiben, sagt CEO Stalf). Allerdings handelt es sich, anders als 2019 erträumt, nicht um eine Profitabilität, die sich aus explodierenden Umsätzen speist. Sondern um eine Profitabilität, die den in vielerlei Hinsicht schwierigen zweiten fünf Jahren (Rückzug aus UK und den USA, Neukunden-Deckel der Bafin) mühsam abgetrotzt werden musste. Grob geschätzt, kommt N26 heute auf gut zwei Millionen wirklich aktive Kunden, mit denen annualisiert vielleicht 350 Mio. Euro Umsatz erwirtschaftet wird. Zu wenig, um sich weiterhin mit Revolut zu messen. Aber allemal eine ordentliche Basis, um es in den nächsten zehn Jahren zumindest in den großen europäischen Kernmärkten (Deutschland, Frankreich, Spanien, Italien) ernsthaft mit dem Establishment aufnehmen zu können. Und so erlebten wir dieser Tage in Berlin einen bestens aufgelegten Valentin Stalf, der in der neuen Folge von "Finanz-Szene – Der Podcast" erläutert, wie sich N26 nach dem Wegfall des Bafin-Deckels neu positionieren will. Unter anderem mit weniger Premium. Dafür aber wieder mit deutlich mehr Wachstum. == Fragen und Feedback zum Podcast: redaktion@finanz-szene.de oder (auch anonym) über Threema: TKUYV5Z6 Redaktion und Host: Christian Kirchner/Finanz-Szene.de Coverdesign: Elida Atelier, Hamburg Postproduction: Podstars Hamburg Musik: Liturgy of the street / Shane Ivers - www.silvermansound.com

Today on  Equity, Devin Coldeway kicked off our Deals of the Week rundown with Piramidal, a startup which offers a foundational model for analyzing brain scan data that just raised $6 million, as his deal of the week. The premise behind the company is a fascinating one in that its technology aims to help complement the work of nurses and doctors in neural ICUs by helping identify signs of things like an epileptic episode, or a stroke.Mary Ann Azevedo wanted to talk about Comun, a neobank serving Latino immigrants in the U.S. with financial services and banking products. The fintech just raised $21.5 million a round led by Redpoint Ventures, not that long after closing its seed round. It's seeing fast growth — as well as a higher valuation.Rebecca Bellan dug into a scoop she had about Fluid Truck and recent drama there. The startup, which was founded to disrupt the commercial vehicle rental industry, has apparently ousted its sibling co-founders — CEO James Eberhard and chief legal counsel Jenifer Snyder — in what is being described as a hostile takeover.We then moved into the arrest of Telegram founder Pavel Durov, and whether or not tech executives can, and should, be held responsible for what happens on their platforms. And lastly, we dug into what's going at Inflection after Microsoft poached its co-founders. That move has drawn attention from antitrust regulators in the U.S. and U.K., who are now investigating whether Microsoft was anticompetitive. The Equity crew discussed whether or not companies are using acqui-hires to get around antitrust regulation.Honestly, we had so much fun we could've gone on for a whole other episode. Give it a listen!Equity is TechCrunch's flagship podcast, produced by Theresa Loconsolo, and posts every Wednesday and Friday. Subscribe to us on Apple Podcasts, Overcast, Spotify and all the casts. You also can follow Equity on X and Threads, at @EquityPod. For the full episode transcript, for those who prefer reading over listening, check out our full archive of episodes over at Simplecast. Credits: Equity is produced by Theresa Loconsolo with editing by Kell. Bryce Durbin is our Illustrator. We'd also like to thank the audience development team and Henry Pickavet, who manages TechCrunch audio products.

Alana Levine, Chief Revenue Officer, Fintel ConnectFinTechs in Canada are making waves in a financial services scene that has been traditionally dominated by just 5 big banks. How? As a result of a new approach to partnerships and affiliate marketing. For example, Neo Financial grew customer acquisition by 511% and boosted its credibility through the implementation of performance marketing strategies. Alana Levine, Chief Revenue Officer at Fintel Connect, an affiliate and influencer marketing solution for financial services, speaks to Robin Amlôt of IBS Intelligence. 

ING, DKB – und Revolut: So sollen langfristig die drei Top-Direktbanken in Deutschland heißen. Zumindest wenn es nach Wiktor Stopa geht. Er ist „Head of Growth Western Europe“ von Revolut und hat ambitionierte Ziele mit dem britischen Fintech. Denn für ihn schöpft Revolut erst 10 bis 15 Prozent seines Potenzials aus – weshalb in diesem Jahr in Deutschland ein zweistelliger Millionenbereich ins Marketing investiert wird, um weiter zu wachsen. Im Gespräch mit Digitale Vorreiter:innen-Host Christoph Burseg erzählt Wiktor Stopa, worauf es dabei ankommt, welche Maßnahmen in Sachen Wachstum in der Vergangenheit gut funktioniert haben – und worauf der Fokus der Mission aktuell liegt.

Welcome back to Equity Friday!In this week's episode, Mary Ann, Becca Szkutak,and Haje Kamps tackled three deals of the week: xAI, Elon Musk has once again proven that his name alone can shake up the investment world, raising a staggering $6 billion for his AI startup. Solutions by Text, The Dallas-based company, which has been bootstrapped for over a decade, secured $110 million in funding. And WeatherXM, which is a company bringing Web3 into the weather forecasting space that raised $7.7 million in a Series A.Then they discussed the Synapse Collapse and what it means for the larger FinTech ecosystem. Synapse, a banking-as-a-service (BaaS) provider, filed for Chapter 11 bankruptcy leaving many startups and customers in the lurch. Lastly, the crew wraps it up by discussing Becca's piece on who is (and is not) going to IPO this year and what that signals to the industry.That's it for this week, but we'll be back bright and early Monday morning with more tech and startup news, along with another round of Pitch Deck Teardown. Talk soon! Credits: Equity is produced by Theresa Loconsolo with editing by Kell. Bryce Durbin is our Illustrator. We'd also like to thank the audience development team and Henry Pickavet, who manages TechCrunch audio products.

We're kicking off the short week with news about Elon Musk, and no, it's not about X or Tesla. Instead, we're talking about Musk's other other company, xAI. In a blog post this weekend, xAI announced it raised $6 billion in Series B funding, confirming earlier reports that the AI startup was looking to raise at a pre-money valuation of $18 billion. With Andreessen Horowitz, Sequoia Capital and Valor among its backers, it looks like Musk is taking steps to catch up and compete with the likes of OpenAI, Microsoft and Alphabet.The ongoing AI race was only the beginning of what we covered on today's episode of Equity. This morning, Becca Szkutak dove deep into the collapse of Synapse, a banking-as-a-service company whose bankruptcy could impact an estimated 10 million end customers and 100 fintechs, including teen banking-focused Copper. While this is not the only troubling headline in the fintech space, as our co-host Mary Ann Azevedo put it, “it shows just how treacherous things are for the often-interdependent fintech world when one key player hits trouble.”To wrap up this morning's news segment, we also discussed a report from The Washington Post that election officials and researchers are considering a new approach to combating misinformation called “pre-bunking.” Companies like Google are testing it out in the lead up to the European Union election, but we remain skeptical about how successful the technique could be. Haje closed out the show with another Pitch Deck Teardown, this time examining Berlin-based Terra One's deck. The startup just raised a cool $7.5 million to make sure Germany's clean energy isn't going to waste. Listen through to the end to hear how they made it happen! Equity is TechCrunch's flagship podcast, produced by Theresa Loconsolo, and posts every Monday, Wednesday and Friday. Subscribe to us on Apple Podcasts, Overcast, Spotify and all the casts.You also can follow Equity on X and Threads, at @EquityPod. For the full episode transcript, for those who prefer reading over listening, check out our full archive of episodes over at Simplecast. Credits: Equity is produced by Theresa Loconsolo with editing by Kell. Bryce Durbin is our Illustrator. We'd also like to thank the audience development team and Henry Pickavet, who manages TechCrunch audio products.

Say hi to the new Equity  crew! To kick off today's show, Mary Ann invited her new co-hosts - Becca Szkutak, Rebecca Bellan, and Haje Kamps - to introduce themselves and shared a bit more about what they do here at TC. The team then jumped right into the news, starting with Techstars CEO Maëlle Gavet announcing she is leaving the company, just weeks after TechCrunch reporter Dominic Madori-Davis published an in-depth investigative article on what's been going on behind the scenes at the accelerator in recent years. (You can listen to Dom talk more about it here).As always, there was plenty more to uncover in the world of startups and venture. Mary Ann, Rebecca and Haje dug into two funding deals, one straddling the lines of crypto and social media and the other in the fintech space.Rebecca wanted to talk about Farcaster, a blockchain-based social protocol that ​​invites developers to build other apps on top of it. The startup raised a $150 million round, news that had the Equity team asking, “Is crypto back?” Mary Ann dug into immigrant banking platform Majority securing $20M in funding after notching an impressive $40 million in ARR as of April.Last but not least, our trio riffed on the fact that a bunch of tech majors made commitments to the safe development of their AI models, including a potential “kill switch.” While we felt the news was mostly positive, we are also skeptical, too. The team also discussed the challenging environment for emerging fund managers, and our surprise at just how many of them there are.That's it for this week, but we'll be back bright and early Tuesday morning (thanks to a U.S. holiday on Monday) with more tech and startup news, along with another round of Pitch Deck Teardown. Talk soon!Equity is TechCrunch's flagship podcast, produced by Theresa Loconsolo, and posts every Monday, Wednesday and Friday.Subscribe to us on  Apple Podcasts, Overcast, Spotify and all the casts. You also can follow Equity on  X and Threads at @EquityPod. For the full episode transcript, for those who prefer reading over listening, check out our full archive of episodes over at Simplecast. Credits: Equity is produced by Theresa Loconsolo with editing by Kell. Bryce Durbin is our Illustrator. We'd also like to thank the audience development team and Henry Pickavet, who manages TechCrunch audio products.

In this episode, Jayesh Patel, the CEO of Wio Bank, shares insights on establishing a neobank in Dubai. He discusses the vision behind Wio Bank, focusing on serving tomorrow's businesses and customers through improved banking apps, embedded finance, and banking as a service. Wio's success lies in focusing on SMEs first, prioritising user experience over technology, and understanding the diverse needs of different business types. Patel highlights the importance of customer research, simplicity in financial products, and industry partnerships for addressing evolving revenue models. He emphasises Dubai's vibrant FinTech ecosystem, driven by government initiatives, access to capital, and a diverse talent pool, making it an ideal location for FinTech startups. Jayesh's strategic approach and customer-centric focus have quickly led Wio Bank to profitability, showcasing the potential for growth and innovation in the region's financial sector.

Finally, some good news! This week, we were pleasantly surprised to see that FTX victims would be getting some money back – even if it's not as much as they might have hoped.That wasn't all, though: Mary Ann Azevedo, Kirsten Korosec, and Alex Wilhelm had plenty else to talk about this week on Equity.We discussed why investors are drawn to the fact that Amae Health is building an in-person approach to mental healthcare in an increasingly digital space and also how one North Carolina startup that started out by building drones to clean windows in tall buildings has also become a robotics company.Kirsten helped us understand what was behind Motional's decision to delay its commercial robotaxi plans amid restructuring, and the greater context around that.We then dug into digital banking startup Mercury's plans to branch out into software, and how it now fits into the increasingly crowded spend management landscape. And, we riffed on the fact that we covered three M&A deals this week (read about them here, here and here) and how refreshing that was considering M&A activity has been lighter than expected. (Spoiler alert: AI was involved in at least two of them).Last but certainly not least, we close out the show with an announcement. After 7 amazing years, Alex's time with the podcast, and TechCrunch, is coming to a close. We're excited to see what he does next, but we are sure going to miss him dearly. Thank you for everything, Alex!This is not, however, the end of Equity. We'll be back bright and early Monday morning with your tech and startup news, along with another round of Pitch Deck Teardown. Talk soon! Equity is TechCrunch's flagship podcast, produced by Theresa Loconsolo, and posts every Monday, Wednesday and Friday. Subscribe to us on Apple Podcasts, Overcast, Spotify and all the casts. You also can follow Equity on X and Threads, at @EquityPod. For the full episode transcript, for those who prefer reading over listening, check out our full archive of episodes over at Simplecast. Credits: Equity is hosted by TechCrunch's Alex Wilhelm and Mary Ann Azevedo. We are produced by Theresa Loconsolo with editing by Kell. Bryce Durbin is our Illustrator. We'd also like to thank the audience development team and Henry Pickavet, who manages TechCrunch audio products.

In this episode, we're joined in a panel conversation with the CEOs of three of Nigeria's biggest digital banks: Moniepoint's Tosin Eniolorunda, Kuda's Babs Ogundeyi, and FairMoney's Laurin Hainy.This episode was recorded live from the FT Partners Fintech in Africa Summit in New York City. Download their FinTech in Africa research report, published in March 2024.00:00 - Intro01:18 - Moniepoint's distribution-first strategy02:45 - FairMoney's credit-led approach04:46 - Kuda's neobank strategy06:48 - Banks, product, competition, expansion25:45 - Growth, VC returns33:56 - What does success look like?Our Links -

In this episode, Darren chats with Trevor Gosling, Co-Founder & CEO at Lula. This sentiment of "Business banking is broken in South Africa" echoes the frustrations of many entrepreneurs who have faced challenges with traditional banking services in the country. The conversation delves deeper into this issue, focusing on how to revolutionize business banking for SMEs.Highlights:

Med erfarenheter från storbank och Klarna startade fintechbolaget Lesslie för ett par år sedan med en idé att digitalisera finanschefen. Företagare har idag vant sig vid att utlandsbetalningar kan ta 2-5 dagar att genomföra och har en dyr prislapp.  Detta tyckte dagens gäst Gunnar Rytterling var oacceptabelt och har därför tillsammans med sitt team tagit fram ett erbjudande som är mycket snabbare och effektivare. Detta är ett steg som ligger i linje med bolagets strategi för att bli en NEO-bank för utlandshandlande företag. Mycket mer om detta, hur man startar en neobank och entreprenörskap kommer ni få lära er om i dagens komprimerade kvart.  Glöm inte prenumerera på podden och följ oss på instagram

In the fast-paced world of fintech, few individuals boast a journey as diverse and impactful as Alex Twigg's. He shares his remarkable story, from his humble beginnings in the UK to his pivotal role in transforming the banking landscape. Join us as we explore his experiences, challenges, and triumphs, ultimately leading to the creation of innovative ventures like Judo Bank and his latest venture, Appeggio.

In episode 55 we talked about the Neobank phenomenon. Are they taking away younger customers away from the traditional financial institutions? What if traditional financial institutions could tailor the services for small to medium businesses and startups and assist individuals in starting businesses, providing a checklist, classes, mentorship, events, and training. The key is to market your services as effectively as neobanks without the need to create one, fostering a differentiated and valuable proposition for potential business customers. ⚠️ Neobank creates a compelling argument to some targeted groups to move away from their traditional bank and to come "bank" with them. 00:52

Cristina Junqueira is the co-founder of Nubank, the largest neobank in Latin America – and in the world – with more than 80 million customers. She is also the second self-made female billionaire in Brazil. Cristina and her co-founders David Vélez and Edward Wible launched Nubank in 2013, essentially building the fintech category in a market where it was nonexistent, and went on to release a no-fee credit card, app, and other banking products across Brazil, Mexico, and Colombia. Cristina takes us through the rise of Nubank, from the scrappiest days building in a house in Sao Paulo to being backed by investors like Sequoia, Founders Fund, DST, TCV, Tiger Global, and Warren Buffett, and then on to their IPO in December 2021. We also touch on the impact of Nubank's distinctive brand choices, how they navigated government regulations that nearly shut them down, and how they were able to spend $0 on marketing throughout most of their history. — — — — TIMESTAMPS: (00:00) Preview(02:38) Fintech and the preconditions for disrupting financial services in LatAm(05:38) Educating investors on the opportunity for fintech in LatAm(07:35) The scale of unbanked and underbanked populations in Brazil, Mexico, and other countries; and why expanding access to these products increases NuBank's market share(08:21) Expanding the pie and just how profitable banks can be in LatAm(15:37) Starting NuBank and the lessons Cristina learned from incumbent banks(18:11) The biggest hurdle to starting NuBank(19:33) Navigating Nubank's first product from inception to successful credit card(21:08) Spending $0 CAC in an industry with hugely expensive marketing pushes(22:32) $0 on marketing and scrappy ethics(26:40) The crazy circumstances around Nubank's Series A fundraise(36:54) Cristina's reflections on the IPO in December 2021 (39:31) How Nubank navigates a changing macro environment(40:40) The importance of Nubank's distinctive brand(42:57) Surviving an existential threat from Brazil's government(46:28) Scaling from a small scrappy team to a multinational global publicly traded company(49:02) Personal growth and maintaining strong co-founder relationships Referenced: Nubank: ⁠https://nubank.com.br/en/ Nubank's IPO mints Cristina as a billionaire: https://www.forbes.com/sites/jeffkauflin/2021/12/09/ Where to find Cristina: Twitter: https://twitter.com/junqueira_cris LinkedIn: https://www.linkedin.com/in/crisjunqueira/ Where to find Turner: Newsletter: https://www.thespl.it Twitter: https://twitter.com/TurnerNovak Banana Capital: https://bananacapital.vc

Overview: Today, we're going to explore TymeBank - the South African neobank. We'll discuss the story across  the following areas: African & Nigerian banking context TymeBank's launch, early history, growth over time & fundraising Product & monetization strategy Competitive positioning & potential exit options Overall outlook. Companies discussed: TymeBank, African Rainbow Capital (ARC), MTN, Kuda Bank, Chipper Cash, FairMoney, Carbon, Discovery Bank, Branch, Pick N Pay, TakeAlot, Commonwealth Bank of Australia, Bank Zero, Naspers & NuBank Business concepts discussed: International expansion, Startups and Distribution, Deposit banking, International expansion, Data sovereignty, Conversation highlights: (00:30) - TymeBank context (08:15) - Context of African Banking  (24:20) - TymeBank founding story (52:20) - Fundraising (55:01) - Growth and geographical expansion (1:20:03) - Product & Monetization  Strategy (1:50:08) - Competition and options for Exit (2:00:33) - Bankole's  overall thoughts and outlook (2:10:38) - Olumide's overall thoughts and outlook (2:15:00) - Recommendations and small wins Olumide's recommendations & small wins: Interested in investing in Africa Tech with Olumide: Read about Adamantium fund & contact me at olumide@afrobility.com. Founders looking for funding: If you're a B2B founder working on Education, Health, Finance or food, please contact me for funding at olumide@afrobility.com Checkout my FIREDOM book = FIRE (Financial Independence, Retire Early) + Freedom = personal finance and financial independence book. Website, Read: Substack Newsletter & Buy: Print, eBook or Audiobook) Recommendation: AI 2041: Ten Visions for Our Future (Kai-Fu Lee): Great book about the potential of AI told across 10 stories Recommendation: Dangote (song by Burna Boy). Incredible song Recommendation: Good Bad Boy (song by Lil Kesh). Catchy and smooth chorus. With a deeper meaning about searching for companionship  Small win: I was in NYC book launch for FIREDOM Book launch. Dope. Bankole's recommendations & small wins: Recommendation: Plunder by Brendan Ballou - A book on the excesses of Private Equity. PE is an example of well-intentioned policy having (unintentional?) downstream impact. Recommendation:  Business Breakdown Podcast on Mobile Gaming: The uneven distribution of paying customers in mobile gaming reminds me of emerging market telco companies Small win: Quest 3 Headset! VR is coming along nicely. Other content:  TymeBank Holdings 2022 Financial Statement & Substack on the history of Tyme Global Listeners: We'd love to hear from you. Email info@afrobility.com with feedback! Founders & Operators: We'd love to hear about what you're working on, email us at info@afrobility.com Investors: It would be great to link up with you. Contact us at info@afrobility.com Join our insider mailing list where we get feedback on new episodes & find all episodes on Afrobility.com

We're talking about the week's biggest startup and tech news with Mary Ann, Becca, and Alex. Here's what we got into:What happened to WeWork? As the shared office space company struggles to stay alive, we had a lot to say.Deals of the Week: Mary Ann wanted to chat about Charlie, which is building a neobank for seniors; Alex wanted to talk about an interesting non-profit-ish model to get startups and others access to H100s; Becca brought Almouneer to the table, an interesting healthtech play in the Middle East.From there we dug into massive fintech rounds, which are seemingly back. For more, you can read up on QI Tech, Tabby, and Next Insurance.And, finally, what to do when founding teams break up? Becca has notes.As always, Equity is back for you on Monday, but you can catch up with us in the meantime on X and Threads @EquityPod. Talk soon!For episode transcripts and more, head to Equity's Simplecast website.Equity drops at 7 a.m. PT every Monday, Wednesday and Friday, so subscribe to us on Apple Podcasts, Overcast, Spotify and all the casts. TechCrunch also has a great show on crypto, a show that interviews foundersand more!

Overview: Today, we're going to explore Carbon, the credit-led Neobank. We'll discuss the Carbon story across the following areas: African lending & consumer credit Carbon's founding & early history Product & monetization strategy Competitive positioning & potential exit options Overall outlook This episode was recorded on Oct 15, 2023 Companies discussed: Carbon (PayLater, One Credit, OneFi, One Finance), Diamond Bank, Cafe Neo, Kaizen Venture Partners, FairMoney, Branch, Paga, Kuda Bank, GTBank, Access Bank, Chipper Cash, NuBank, Lesaka (NET1 UEPS), Lendable, Interswitch, Visa, RenMoney, Tala & Safaricom (M-Pesa) Business concepts discussed: Smartphone credit assessment, consumer lending, unbanked population, Neobank strategy, Personal Finance OS & Buy Now Pay Later Conversation highlights: (00:48) - Carbon context (08:15) - Consumer lending in Africa and Neobanks  (15:32) - Background on African banking and Neobanks (32:02) - Founding story of Carbon & Founders' background (54:04) - Fundraising  (1:01:15) - Growth and Geographical Expansion (1:08:03) - Acquisitions and investments (1:15:54) - Team and organisation (1:19:35) - Key metrics (1:40:46) - Product strategy and monetization (2:00:08) - Competition and options for exit (2:10:33 - Olumide's overall thoughts and outlook (2:20:38) - Bankole's overall thoughts and outlook (2:30:15) - Recommendation and small wins Olumide's recommendations & small wins: Interested in investing in Africa Tech with Olumide: Read about Adamantium fund & contact me at olumide@afrobility.com. Founders looking for funding: If you're a B2B founder working on Education, Health, Finance or food, please contact me for funding at olumide@afrobility.com Checkout my FIREDOM book = FIRE (Financial Independence, Retire Early) + Freedom = personal finance and financial independence book. Website, Read: Substack Newsletter & Buy: Print, eBook or Audiobook) Recommendation: Lil Kesh - Shoki Remix. Song is beyond nice. I probably understand 15% of it. Lil Kesh was 19 years old when the song was released. The power of young people to Incredible things. Wow! Recommendation: Lil Kesh - Don't Call Me (feat. Zinoleesky) [Lyrics Visualiser].  Recommendation: Ruger - Ruger. The song literally starts with “Man, I spit fire…”. How can I not love it? Small win: Switched to Instacart (from Amazon Fresh) for groceries. Not going back Bankole's recommendations & small wins: Recommendation: Fair Isaac Company on Business Breakdowns, MTN on Business Breakdowns Small win: New phone Other content: Building Magic - The Cafe Neo story & Chipper Cash AI Day Listeners: We'd love to hear from you. Email info@afrobility.com with feedback! Founders & Operators: We'd love to hear about what you're working on, email us at info@afrobility.com Investors: It would be great to link up with you. Contact us at info@afrobility.com Join our insider mailing list where we get feedback on new episodes & find all episodes on Afrobility.com

Overview: Today, we're going to talk about FairMoney, the credit-led Neobank in emerging markets.  we'll explore the FairMoney story across the following areas African lending & consumer credit FairMoney's founding & early history Product & monetization strategy Competitive positioning & potential exit options Overall outlook This episode was recorded on Oct 1, 2023 Companies discussed: FairMoney, Branch, PalmPay, Kuda Bank, Carbon, 54Gene, GTBank, Access Bank, Ecobank, PalmPay, Carbon, PiggyVest, Upstart, Tala, Visa, Mastercard Safaricom (M-Pesa), PayForce & Chipper Cash Business concepts discussed: Smartphone credit assessment, African customer segmentation strategy, Consumer lending, unbanked population, smartphone credit assessment, Neobank strategy & Personal Finance OS Conversation highlights: (03:01) - Intro (07:19) - African consumer lending & neobank context  (18:35) - Neobanking context and background (20:00) - FairMoney founding story and Founders' background (39:40) - Fundraising (45:46) - Geographical expansion (49:05) - Partnerships (50:16) - Acquisitions (55:42) - Team & Location strategy (58:03) - User metrics and traction (1:04:27) - Product and monetization strategy (1:24:04) - Competition and options for exit (1:35:44) - Bankole's overall thoughts and outlook (1:47:30) - Olumide's overall thoughts and outlook (1:55:17) - Recommendations and small wins Olumide's recommendations & small wins: Interested in investing in Africa Tech with Olumide: Read about Adamantium fund & contact me at olumide@afrobility.com. Founders looking for funding: If you're a B2B founder working on Education, Health, Finance or food, please contact me for funding at olumide@afrobility.com Checkout my FIREDOM book = FIRE (Financial Independence, Retire Early) + Freedom = personal finance and financial independence book. Website, Read: Substack Newsletter & Buy: Print, eBook or Audiobook) Recommendation 1: Arnold Schwarzenegger book 1: The Education of a Bodybuilder   Recommendation 2: Arnold Schwarzenegger book 2: Total Recall - My Unbelievably True Life Story Recommendation 3: Richard Feynman's book: What Do You Care What Other People Think?": Further Adventures of a Curious Character (Feynman Book 2). I already read and recommended "Surely, you're joking Mr Feynman which was extraordinary) Recommendation 4: Finnaus YT channel tells stories about financial companies and investors. Awesome. I watched the history of JP Morgan, Howard Marks, Jamie Dimon, Goldman Sachs, Fidelity, Vanguard and on and on. I must have spent over 10 hours in the past week on it Small win: Hanging out in Rio de Janeiro. It was fun! Bankole's recommendations & small wins: Recommendation: Zealot by Reza Aslan, Remember Me - Fireboy (FAEM remix) & Lonely At The Top - Asake (FAEM Remix) Small win: Exercising after recovering from an injury Other content: Laurin Hainy on TechPoint Africa, We Rich People Will Not Tell You How We Make Our Money - IG Reel, Moneylender licensing in Nigeria , Examples of spurious correlations & Titan: A Golden Case in Indian Retail Listeners: We'd love to hear from you. Email info@afrobility.com with feedback! Founders & Operators: We'd love to hear about what you're working on, email us at info@afrobility.com Investors: It would be great to link up with you. Contact us at info@afrobility.com Join our insider mailing list where we get feedback on new episodes & find all episodes on Afrobility.com

Lex chats with Cynthia Kleinbaum Milner, CMO at MoneyLion - a mobile banking and financial membership platform that integrates spending, saving, borrowing, and investing tools to empower consumers towards better financial wellness. Kincking off the conversation, Cynthia delves into the intricacies of charting a career in the ever-evolving landscape of digital transformation, sharing her transition from brand marketing to holistic marketing. As they navigate through industry insights, Cynthia provides a closer look at the challenges and strategies of targeting different sectors and personas, as well as marketing at scale across various business verticals. A significant portion of the discussion revolves around MoneyLion's journey. Cynthia charts the evolution of the platform, highlighting its transformation from its early days to a renowned digital banking platform, underscoring its core value proposition. This leads to an insightful conversation on the growth, valuation, and shifting fintech market trends that have shaped MoneyLion's trajectory. Cynthia goes on to detail the importance of financial literacy within the app, focusing on content evolution and user value. She further discusses the nuances of content discovery, the company's revenue model, and the balance between engagement and profitability. Navigating the tricky waters of financial influencers, Cynthia stresses the importance of balancing content quality with regulatory compliance. The podcast culminates with a forward-looking view, as Cynthia sheds light on MoneyLion's strategic priorities in the upcoming years. MENTIONED IN THE CONVERSATION MoneyLion's Website: https://bit.ly/45YHQVlCynthia's LinkedIn profile: https://bit.ly/460jn1S Topics: Fintech, marketing, brand, e-commerce, customer lifecycle, embedded finance, brand, Marketplace Companies: MoneyLion, Walmart, Bonobos, Nestle, Gilt Groupe, Even Financial, Malka, ZenDrive ABOUT THE FINTECH BLUEPRINT 

Overview: Today, we're going to talk about Branch, the FinTech lending company and Neobank. We'll explore the story across the following 5 areas: African lending & consumer credit Branch's founding early history Product & monetization strategy Competitive positioning & potential exit options Overall outlook This episode was recorded on Sep 10, 2023 Companies discussed: Branch, Kiva, Kuda Bank, Chipper Cash, Earnin, Paga, FairMoney, MFS Africa, GTBank, Access Bank, Ecobank, PalmPay, Carbon, PiggyVest, Upstart, Tala, Visa, Mastercard & Safaricom Business concepts discussed: Credit scoring, Smartphone credit assessment, African customer segmentation strategy & low-end disruption, Consumer lending, , unbanked population,  smartphone credit assessment, Pan-African Banking Conversation highlights: (01:00) - What Branch is and why we're talking about it (07:40) - Africa consumer credit context and background (19:17:) - Branch International founding (23:31) - Founders' background (39:12) - Fundraising and Growth (51:40) - Geographical expansion  (1:02:01) - Acquisitions and Team overview (01:15:14) - Product strategy (1:33:20) - Monetization strategy and Costs (1:41:58) - Competition and options for exit (1:57:08) - Bankole's overall thoughts  (2:10:59) - Olumide's overall thoughts (2:30:20) - Recommendations and small wins Olumide's recommendations & small wins: Interested in investing in Africa Tech with Olumide: Read about Adamantium fund & contact me at olumide@afrobility.com. Founders looking for funding: If you're a B2B founder working on Education, Health, Finance or food, please contact me for funding at olumide@afrobility.com Checkout my FIREDOM book = FIRE (Financial Independence, Retire Early) + Freedom = personal finance and financial independence book. Website, Read: Substack Newsletter & Buy: Print, eBook or Audiobook) Recommendation: Eminem - Rap God (OMFG I'm 12 years late, my mind exploded. WOW!) Recommendation: Can't Hurt Me (David Goggins). Incredible book about challenges David went to from parental abuse, racism to make something of himself. I went through waves of intense emotions while reading the book. At some points, I was crying in pain with David and other times I was in pure shock about what I was listening to. Small win: Hosted FIREDOM book launch event in London. Amazing conversations about life, managing money and growth. Dope shit. Bankole's recommendations & small wins: Recommendation: American Prometheus by Kai Bird, A/B Testing with Fat Tails & Remember Me - Fireboy DML Small win: Chin-chin from a recent trip to Lagos Other content: Mobile overdraft facility Fuliza outshines Silicon Valley-backed lending apps in Kenya- TechCrunch & Inside Branch's 20 percent interest investment push to beat Nigerian bank offerings - TechCabal Listeners: We'd love to hear from you. Email info@afrobility.com with feedback! Founders & Operators: We'd love to hear about what you're working on, email us at info@afrobility.com Investors: It would be great to link up with you. Contact us at info@afrobility.com Join our insider mailing list where we get feedback on new episodes & find all episodes on Afrobility.com

Olivia Lui, product marketing innovation expert at Curinos, digs into our recent research on how and why customers choose their primary banking relationship, and what that means for institutions as the digital banking channel grows in importance.Rate and subscribe! | Learn more at curinos.com | Questions or feedback? Email us at finsights@curinos.com

David Velez is the Founder and CEO of Nubank, one of the largest and fastest-growing financial institutions in the world. 1 in 2 people in Brazil alone have a Nubank account. Nubank's purple credit card in Mexico is the highest-rated NPS product of any consumer product in the world. Before founding Nubank in 2013, David was a partner at Sequoia Capital between 2011 and 2013, in charge of the firm's Latin American investments group. Before Sequoia, David worked in investment banking and growth equity at Goldman Sachs, Morgan Stanley and General Atlantic. In Today's Episode with David Velez We Discuss: 1. From Sequoia Partner to Creating One of the Largest Financial Institutions: What was the Sequoia interview process like? What questions did Doug Leone really dive into when hiring David? What impressed David most about how Sequoia interview and win talent? What are 1-2 of David's biggest lessons from working with Doug Leone? 2. From a Small House to a $BN Public Company: What does David believe are the 1-2 core but non-obvious reasons why Nubank scaled so fast? What does David believe are the most non-obvious but massive opportunities Nubank has to 10x from here? Why does David believe emerging market fintech providers will be more valuable than Western fintechs? What does David believe Western fintechs and regulators can learn from BRIC economy fintechs? 3. How AI Changes The Future of Financial Services: How does David believe AI will change financial services? What products are the lowest-hanging fruit? Which products will be harder for AI to serve? How will AI handle the ambiguity of which master to serve; the consumer and their experience or the bank and their fees and profit motive? Will banks need to own and operate their own models? If using other models, what will differentiate them when they are layers on top of someone else's technology? 4. David Velez: The Leader and Father: What does it mean to be a great listener? How does David approach it? What has been David's biggest lessons from Sequoia on culture? What works? What does not? What are David's biggest pieces of advice to raise kids that are not spoiled and are hard-working and humble? How does David think about "efficient giving" with the philanthropy he does today? What is the big paradox and challenge in philanthropy today?

Last week in crypto, bitcoin price bounced around the $29k mark, crypto mining retailer Phoneix eyed up an IPO, and BlackRock vowed to democratize crypto through their spot Bitcoin ETF. Worldcoin is a cryptocurrency project aiming to distribute cryptocurrency to every person on the planet. To achieve this, it plans to use biometric identification technology for a fair and equal distribution. The project aims to provide universal basic income and promote financial inclusion globally.  Neobank platform Hi has secured $30M in funding and shared their vision for an NFT debit card offering. Their founder is predicting cards could bridge the gap between physical and digital assets, allowing users to own unique NFT-based debit cards representing their identity and assets. This innovation could revolutionize the financial landscape in the realm of blockchain and NFTs. Elon Musk is proposing to build his own stablecoin, Musk, but proposed legislation regulating stablecoins in the US may impact this. Follow us to get involved in the crypto community, or head to blockchain.com to buy, trade, and store crypto on a platform trusted by millions. Sign up for a Wallet ⁠https://bit.ly/3dpcCQw⁠ Sign up to the Exchange ⁠https://bit.ly/3QzCKGP⁠ For one year, friends of Blockchain.com can get:  15% off 1Password Families  15% off 1Password Individual  Simply follow the link in our bio to claim your discount now.

Consultant Rob Chrisman and Curinos' Rich Martin join the (F)insights podcast to share thought-provoking insights into today's highly challenging mortgage market.Chrisman Commentary, Daily Mortgage News: https://www.robchrisman.com/Curinos' Mortgage Hot Topics: https://curinos.com/our-insights/mortgage-hot-topics-chrisman/Rate and subscribe! | Learn more at curinos.com | Questions or feedback? Email us at finsights@curinos.com

MELD is the first decentralized and non-custodial DeFi banking protocol for lending & borrowing fiat & cryptocurrency. Services offered by MELD include creating cryptocurrency-backed loans, earning an interest return for lending fiat to borrowers and participating in reward incentive programs. MELD will enable instant loans against cryptocurrency holdings at a competitive APR, or to receive a credit line and only pay interest on what you use. Guest: Ken Olling - Founder at MELDGet Early Access to MELD ➜ https://bit.ly/MELDbank

Online banking has become so common that some banks don't have any physical locations at all. Today we track the transition to online banking in Mexico, where startups are eager to win over new customers who are tech-savvy but don't have any kind of bank account. For sponsor-free episodes of The Indicator from Planet Money, subscribe to Planet Money+ via Apple Podcasts or at plus.npr.org.

This is our Wednesday show, where we niche down to a single person, think about their work and unpack the rest. Mary Ann is taking over today's interview with David Vélez, the co-founder and CEO of Nubank, the $35 billion Sao-Paulo, Brazil-based digital bank that offers credit cards, checking accounts and life insurance to consumers.Equity listeners know that digital banking has been on our minds for some time now, so naturally we were excited to have David on the show. Here's what we got into:How Nubank has achieved -- and maintained profitability -- in this challenging macroeconomic environmentHow not only the LatAm fintech market differs from that of the U.S., but how founders in the region operate their businesses differently from their U.S. counterpartsThe state of digital banks in general and how David sees banking evolving in the next few years from the lens of both a founder and former investor (he once led Sequoia Capital's Latin American investments).Mary Ann and Alex are back on Friday with more Equity, but as always, you can keep up with us on Twitter @EquityPod.For episode transcripts and more, head to Equity's Simplecast website. Equity drops at 7:00 a.m. PT every Monday, Wednesday and Friday, so subscribe to us on Apple Podcasts, Overcast, Spotify and all the casts. TechCrunch also has a great show on crypto, a show that interviews founders, one that details how our stories come together and more!

Mary Ann and Alex were a dynamic duo this week, and here's what they got into:The fascinating backers of Checkmate, and the future of online shopping: Mary Ann covered a very interesting Series A for Checkmate, a startup that not only has shown real legs on the competitive App Store, but also on social media platforms far and wide.Cava's IPO won't save the IPO market, but it could help all the same: Alex is so IPO-deprived that he's drawing connections between anything that files and the startup market. This time it's not even that much of a stretch!Daylight calls it quits: From the 'not a huge surprise' category comes the end of Daylight, a neobank aimed at the LGBTQ+ market that has been struggling for a while yet. This begged the question are themed neobanks going to make it?Layoffs, Layoffs, Layoffs: Soundcloud is cutting staff to get to profitability, which we can understand. Meta is cutting staff because it, well, wants to conserve capital for more share buybacks?Anthropic's massive funding round and who is going to win the AI war? When is $450 million not that much money? When you are building foundational AI models that are taking on OpenAI and others. Also in this section: Cold War metaphors.And with that, we're heading off into a holiday weekend here in the US, so Equity will be back next Tuesday.For episode transcripts and more, head to Equity's Simplecast website. Equity drops at 7:00 a.m. PT every Monday, Wednesday and Friday, so subscribe to us on Apple Podcasts, Overcast, Spotify and all the casts. TechCrunch also has a great show on crypto, a show that interviews founders, one that details how our stories come together and more!

Director of Retail Deposits Adam Stockton and Director of Commercial Peter Serene join host Rutger van Faassen to discuss all things deposits in light of recent market changes. Rate and subscribe! | Learn more at curinos.com | Questions or feedback? Email us at finsights@curinos.com

Join me today for Episode 714 of Bitcoin And . . . Topics for today: - It was Mt. Gox's fault, again - 12-word seed phrase cracked in 30 seconds; all the words were KNOWN! - Kraken tells IRS to 'back off' - Neobank using NFTs to hold your KYC: DON'T DO IT! - ~1000 Russian 'crypto' wallets exposed by hacker - Coinbase responds to the Wells Notice - Ted Cruz loves Bitcoin; hates CBDCs #Bitcoin #BitcoinAnd #BTC Articles: https://cointelegraph.com/news/bitcoin-price-retargets-29k-after-mt-gox-panic-liquidates-320m https://bitcoinmagazine.com/business/tvp-releases-venture-industrys-first-bitcoin-startup-ecosystem-research https://cointelegraph.com/news/bitcoin-advocate-cracks-known-12-word-seed-phrase-in-minutes https://bitcoinmagazine.com/guides/store-of-value https://cointelegraph.com/news/kraken-asks-san-francisco-court-to-intervene-against-irs-demands - https://www.cnbc.com/futures-and-commodities/ - https://bitinfocharts.com/ - https://bitcoin.clarkmoody.com/dashboard/ - https://mempool.space/ - https://fountain.fm/charts https://cointelegraph.com/news/neobank-introduces-soulbound-nfts-for-wallet-holders-kyc-information https://www.coindesk.com/business/2023/04/27/russian-bitcoin-wallets-allegedly-exposed-by-apparent-hacker/ https://decrypt.co/138201/coinbase-responds-to-wells-notice-sec-risks-reputational-harm-with-enforcement-action https://decrypt.co/138171/cbdcs-are-designed-destroy-all-value-bitcoin-us-senator-ted-cruz https://decrypt.co/138023/rogue-developers-drain-merlin-dex-of-1-82-million Find me on nostr npub1vwymuey3u7mf860ndrkw3r7dz30s0srg6tqmhtjzg7umtm6rn5eq2qzugd (npub) 6389be6491e7b693e9f368ece88fcd145f07c068d2c1bbae4247b9b5ef439d32 (Hex) StackerNews: stacker.news/NunyaBidness Podcasting 2.0: fountain.fm/show/eK5XaSb3UaLRavU3lYrI Apple Podcasts: tinyurl.com/unm35bjh Instagram: instagram.com/bitcoin_and Mastodon: noagendasocial.com/@NunyaBidness Support Bitcoin And . . . on Patreon: patreon.com/BitcoinAndPodcast Find Lightning Network Channel partners here: https://t.me/+bj-7w_ePsANlOGEx (Nodestrich) https://t.me/plebnet (Plebnet) Music by: Flutey Funk Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 3.0 License creativecommons.org/licenses/by/3.0/

Let me give you a scenario: you try and purchase something on your debit card, but you don't have enough money in your account instead of declining the purchase, your bank instead allows it to go through and charges you $35 for the “convenience” Overdraft fees accounted for $5.8 billion dollars of bank revenue in the first 3 quarters of 2022. These fees harm millions of Americans every year and can trap people in a cycle of debt. Jason Wilk, the founder of Dave, also struggled with these fees. What frustrated him the most was that if the bank just looked at his transaction history, they would be able to see a scheduled paycheck coming in only a couple of days. And in that frustration, Dave was born. Dave is an online bank offering no-interest loans based on your transaction history to avoid overdraft fees. In today's episode, we discuss with Jason about: