Podcasts about neobanks

Max Galash takes us on a fascinating journey through the rapidly evolving cryptocurrency landscape as CEO of Coinchange, a global crypto brokerage and asset management platform with offices in Warsaw and Toronto.Having pivoted from a direct-to-consumer approach following the collapse of major players like Celsius and BlockFi, CoinChange now focuses exclusively on B2B relationships with crypto operators, exchanges, neobanks, and payment platforms. What sets them apart in this emerging space is their multi-manager investment approach – rather than simply offering tokenized T-bills like many competitors, they employ various managers deploying different trading strategies to create customized, principle-protected structured products.The conversation provides remarkable insight into how stablecoins are revolutionizing global payments, especially in emerging markets where access to USD-denominated products is limited. "Stablecoins are a bridge between banking, trading, exchanges, crypto and remittances," Max explains, highlighting their crucial role in enabling global settlements within seconds. His prediction that blockchain will become the backbone of settlement networks rather than remaining consumer-facing technology aligns with moves by financial giants like BlackRock and JP Morgan, who are already settling billions through private blockchains.Ready to understand how cryptocurrency is reshaping global finance? Listen now to hear Max's complete insights and predictions for this transformative industry.

Neobanks are 100% digital. They run exclusively through mobile apps, with no brick-and-mortar premises. They offer customers a user-first design, and promise low cost banking operations. There are more and more neobanks around, drawing in millions of users and rivalling traditional banks, although they don't technically hold the same status.  Don't confuse neobanks with digital banks, which are usually the online-only arms of bigger players in the banking sector. You may have heard of the SanFrancisco based neobank Chime, which is the leader in the US at the moment. But brands like N26, Revolut and Monzo are also bringing over their expertise from Europe, where the online-only trend is further ahead. All were created in the late 2010s. So why would I want to try a neobank then? So what about our traditional brick-and-mortar banks? They're not just going to disappear are they? In under 3 minutes, we answer your questions! To listen to the last episodes, you can click here: ⁠How can I reduce damp and mould in your home?⁠ ⁠Why do I get vertigo?⁠ ⁠How can I sleep well with a blocked nose?⁠ A Bababam Originals podcast, written and produced by Joseph Chance. First Broadcast: 26/4/2020 Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode, 'Laolu, Furo, and Nosa talk about Paystack launching Zap, PayHippo's recent $4 million raise, rebrand as Rivy and pivot to clean energy financing, alongside news of Nigerian neobanks like Kuda and Nomba launching premium tiers._We love hearing your thoughts! Find us on X (@TheOAPod) and Instagram (@openafricapod) and tag us in your conversations. Hosted on Acast. See acast.com/privacy for more information.

Neobanks, 2025 predictions, and a preview of FinovateEurope

Imran and Qiao are back to discuss the state of the crypto market this Q1.No BS crypto insights for founders.Timestamps(00:00:00) Intro(00:00:54) Imran's New Look(00:02:24) Winter Break Activities(00:03:26) Reflections on the New Era of Crypto(00:04:24) DeepSeek(00:09:30) The AI Agent Craze(00:10:59) "Are we near the end of the AI meta?"(00:16:50) AI Impact and Adoption(00:19:23) AI in Daily Life(00:23:52) 1999 Style Bubble in AI Stocks(00:25:15) Where Are We in this Cycle?(00:26:29) Key Risk Factors(00:32:02) "I find this AI meta uninspiring"(00:34:34) "Pump.fun is now a startup launchpad"(00:35:46) AI Meta Compared to DeFi Summer(00:39:48) Decentralized Compute(00:41:52) What is Glow?(00:42:32) Energy DePIN(00:44:29) Predictions for the Year(00:44:41) "Trends actually matter now"(00:45:26) Trends We're Seeing Right Now(00:46:13) What's Next(00:47:56) Crowdfunding and Coordination in Crypto(00:48:52) Stablecoins and Neobanks(00:53:41) Influence of AI Agents(00:57:49) AI Agent Meta and Social Tokens(01:00:16) Market Predictions(01:00:43) "AI agent meta killed the meme token meta"(01:02:58) "How would you construct your portfolio?"Spotify: https://spoti.fi/3N675w3Apple Podcast: https://apple.co/3snLsxUWebsite: https://goodgamepod.xyzTwitter: https://twitter.com/goodgamepodxyzWeb3 Founders:Apply to Alliance: https://alliance.xyzAlliance Twitter: https://twitter.com/alliancedaoDISCLAIMER: The views expressed herein are personal to the speaker(s) and do not necessarily reflect the views of any other person or entity. Discussions and answers to questions are intended as generalized, non-personalized information. Nothing herein should be construed or relied upon as investment, legal, tax, or other advice.

Rama Krishna Raju, Co-Founder & CEO, Pennant TechnologiesPennant Technologies offers a composable, API-driven lending platform that unlocks innovation by simplifying loan origination, management, and collections for any type of loan or line of credit. CEO Rama Raju explains to Robin Amlôt of IBS Intelligence the key reasons behind banks' need to modernise their lending stack and why a loan management system plays a crucial role in such a transformation. 

This episode dives into the transformative trends shaping the banking industry in 2025, inspired by insights from 2025 Banking Trends. Learn how banks are embracing AI, sustainability, decentralized finance, and digital-first strategies to meet rising customer demands and competitive pressures. Explore the opportunities and challenges ahead for financial institutions navigating an increasingly digital and customer-centric landscape.What You'll Learn in This Episode:AI-Driven Personalization:How banks are leveraging AI to deliver hyper-personalized customer experiences.Examples of AI predicting customer needs and streamlining financial management.Decentralized Finance (DeFi) and Blockchain:The growing role of DeFi in democratizing access to financial services.How blockchain technology is enabling secure, transparent, and efficient transactions.Sustainability in Banking:Initiatives to align with ESG (Environmental, Social, and Governance) standards.The impact of sustainable investments and green financing on customer loyalty.Cybersecurity and Trust:Strengthening defenses against rising cyber threats in an increasingly digital banking environment.Balancing convenience with data protection and customer trust.Digital-First Strategies:The shift from physical branches to fully digital banking experiences.How mobile-first platforms are transforming customer interactions and expectations.Financial Inclusion and Equity:Efforts to bridge the financial gap for underbanked and unbanked populations.Innovative partnerships to make financial services more accessible and affordable.Future-Ready Workforce:Upskilling bank employees for AI, blockchain, and data-driven operations.The importance of fostering innovation within traditional financial institutions.Resources Mentioned: 2025 Banking Trends – Full article with comprehensive insights.What does the future of banking look like to you? Share your thoughts and join the conversation in our LinkedIn Group. Subscribe to our podcast for more insights, and visit The Future of Commerce for additional articles and resources about banking trends and innovations.

Neobanks are 100% digital. They run exclusively through mobile apps, with no brick-and-mortar premises. They offer customers a user-first design, and promise low cost banking operations. There are more and more neobanks around, drawing in millions of users and rivalling traditional banks, although they don't technically hold the same status.  Don't confuse neobanks with digital banks, which are usually the online-only arms of bigger players in the banking sector. You may have heard of the SanFrancisco based neobank Chime, which is the leader in the US at the moment. But brands like N26, Revolut and Monzo are also bringing over their expertise from Europe, where the online-only trend is further ahead. All were created in the late 2010s. So why would I want to try a neobank then? So what about our traditional brick-and-mortar banks? They're not just going to disappear are they? In under 3 minutes, we answer your questions! To listen to the last episodes, you can click here: How can I reduce damp and mould in your home? Why do I get vertigo? How can I sleep well with a blocked nose? A Bababam Originals podcast, written and produced by Joseph Chance. First Broadcast: 26/4/2020 Learn more about your ad choices. Visit megaphone.fm/adchoices

This episode explores the rapid evolution of the banking industry, drawing a compelling analogy to NASA's switch from Boeing to SpaceX for astronaut transport. The analogy highlights how traditional banks, much like Boeing, risk being overtaken by innovative, digitally focused fintech companies akin to SpaceX. Neobanks—operating entirely online—are unburdened by legacy systems, allowing them to offer more agile and customer-centric services.We delve into how these neobanks reshape financial services with innovation and adaptability, leaving conventional institutions struggling to keep pace. UXDA outlines 10 transformative strategies to help banks embrace a forward-thinking, innovative mindset and thrive in this competitive landscape.The episode also highlights the role of customers in this transformation—how staying informed, prioritizing cybersecurity, and embracing new technologies can help them navigate the fast-changing financial world successfully. Find out: How is the banking industry adapting to digital transformation, and what are the risks for those who lag behind?What distinguishes neobanks and fintech companies from traditional banks in terms of services and customer experience?How can consumers protect themselves and benefit from emerging financial technologies?Read the full article on UXDA's blog: https://www.theuxda.com/blog/lesson-from-nasa-dont-let-bank-customers-get-stuck-in-space * AI podcast on UXDA article powered by Google NotebookLM

Welcome to NerdWallet's Smart Money podcast, where we answer your real-world money questions. In this episode:  Learn how to distinguish neobanks from traditional banks, understand FDIC insurance, and get tips for affordable holiday hosting. What is the difference between a neobank and a traditional bank? Is my money safe in an online bank or neobank? Hosts Sean Pyles and Sara Rathner discuss how to distinguish a neobank from a traditional bank and ways to safeguard your savings, helping you understand what to look for in financial institutions. But first, they begin with a discussion of affordable holiday hosting, with tips and tricks on hosting a potluck, budgeting for extra food, and setting boundaries with overnight guests. Then, NerdWallet banking expert Spencer Tierney joins Sean and Sara to discuss the ins and outs of online banks and neobanks. They discuss how FDIC insurance works, what to look for in a neobank's fine print, and the potential risks of using a neobank. Check out this episode on your favorite podcast platform, including: Apple Podcasts Spotify NerdWallet stories related to this episode: 8 Best Online Checking Accounts of 2024 How to Open a Bank Account Online in 4 Steps Best Free Checking Accounts of 2024 Have a money question? Text or call us at 901-730-6373. Or you can email us at podcast@nerdwallet.com. To hear previous episodes, go to the podcast homepage.

Come behind the scenes of one of the largest NeoBanks in Southeast Asia! Zubin Rada Krishnan, CEO at BigPay, shares BigPay's mission of leveling up people's lives through accessible and simple financial services and explains how BigPay aims to promote financial well-being by shaping positive spending habits and providing innovative financial products.We discuss the unique challenges and opportunities in the Southeast Asian fintech market, the importance of empathy in product development and leadership, BigPay's exciting developments like their expansion into Thailand, their partnership with AirAsia MOVE, their innovative stashes solutions and much more!BigPay is committed to providing the financial services that Southeast Asians need to live better lives, by providing accessible, transparent, simple and secure digital financial services. From cross-border and domestic payments to international transfers, credit, micro-insurance, personal loans, and smart budgeting, BigPay continues to innovate to level-up Southeast Asian lives - one transaction at a time.

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

Neobanks are reshaping the banking sector with expanding membership and revenue. Notable neobank leaders, Jason Wilk of Dave and Colin Walsh of Varo Bank, will present at TechCrunch Disrupt 2024 in San Francisco. Dave Bank has 10 million members and reported $73.7 million in revenue for the first quarter, while Varo Bank serves 7 million members with revenues of approximately $129 million. The executives will explain their growth strategies in a competitive market and provide insights into their visions for digital banking. TechCrunch Disrupt 2024 will occur from October 28 to October 30 at the Moscone Center, attracting over 10,000 industry leaders to discuss trends such as AI, SaaS, and space.Learn more on this news visit us at: https://greyjournal.net/ Hosted on Acast. See acast.com/privacy for more information.

In this week's episode of Fintech Recap, Alex is joined by Jason Mikula to dive into the latest on fintech. With BaaS Island quiet, the guys head over to BNPL for some fresh juice. First up, Klarna's U.S. launch and its new “Balance” feature — despite the hype, it's not quite banking. In the U.S., “Balance” is more of a wallet within Klarna's app, far from their European banking model. Klarna's shooting for global banking glory, but the fine print reveals a different tale — more shopping convenience than banking breakthrough. Next, they break down Affirm's Q4 earnings. Looks like Affirm isn't just riding the BNPL wave — they're hanging ten. The big question: is success in BNPL about flashy growth or building a resilient model? The answer might surprise you. Plus, they dig into broader fintech shifts: Comune's standout $21.5M raise targeting underserved immigrants alongside Apple's decision to allow third-party access to its NFC chip. Will these moves change the game or just tweak the status quo? Tune in to find out! 00:06:58 Klarna Buzz vs Klarna Reality  00:19:55 Affirm Affirms Steady, Cautious Growth 00:32:54 Niche Neobanks: The Next Big Thing, Again? 00:41:36 Apple “Kinda” Opens Up NFC 00:51:42 Can't Let It Go Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/  And for more exclusive insider content, don't forget to check out my YouTube page.   Follow Jason: Newsletter: https://fintechbusinessweekly.substack.com/ LinkedIn: https://www.linkedin.com/in/jasonmikula/   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson

Brian Pillmore, Founder & CEO, VisbankingVisualized information on banks and credit unions in the US such as metrics, performance, and regulations can help consumers and stakeholders to make informed analyses and decisions by providing actionable insights. Just how significant this data is provides the topic for this conversation between Robin Amlôt of IBS Intelligence and Brian Pillmore, Founder and CEO of Visbanking,.

We wrapped our first season of BCG on Compliance a couple of weeks ago and we're busy putting Season 2 together for September. But in the meantime, we know you're always looking for more fascinating conversations on compliance, so this week we're sharing a bonus episode from another great BCG show: Fintech Files.Fintech Files is hosted by Nora Hocke, Annika Melchert and Bianca Lopes. They specialize in IT strategy, modern tech architecture, and state-of-the-art banking. The show unravels the most innovative trends disrupting the world of Fintech today and delves deep into the dynamic landscape of Fintech, NeoBanks, and the Digital Banking world. If you like what you hear, subscribe to Fintech Files on Apple Podcasts, Spotify or wherever you get your podcasts. Enjoy the episode!About this Episode:This episode explores how companies combat financial crime and adhere to the strict regulations of the financial services industry. The hosts speak to Camila Vincenci Witt the Chief Risk and Compliance Officer at Inpay, a fintech specializing in facilitating cross-border payments. Camila shares the importance of data and data governance in compliance and risk, as well as highlighting the significance of leveraging diverse perspectives as a key strength of her team.About BCG on Compliance:BCG on Compliance is a podcast from Boston Consulting Group that explores today's most pressing criminal trends and how compliance experts are adapting to counter those threats.As financial crimes become increasingly sophisticated, compliance can no longer be just a checkbox. It's emerged as a transformative force in every industry, reshaping practices in ethics, risk management, money laundering and cyber security. On BCG on Compliance, we dive deep into the extraordinary minds that are driving that change.Hosted by Hanjo Seibert, a leading expert in compliance, anti-financial crime and fraud, BCG on Compliance features interviews with heavy-hitters propelling compliance to the forefront of the industry. From crime prevention gurus to ethics champions, we'll ask provocative questions and bring you rich insights from the global players shaping the future of compliance, all in a dynamic and compact 20-minute episode.Whether you're a seasoned pro or new to the field, BCG on Compliance is your quick, comprehensive guide. Join us as we explore the profound ways compliance is altering industries around the globe. And connect with us at bcgoncompliance@bcg.comNew episodes are released every other week. Listen wherever you get your podcasts. Episode Links:Hanjo Seibert LinkedInCamila Vincenci WittBCG LinkedInBCG website

“I love filing my return!” Said no one ever… did you know in the US people spend over 5 billion hours per year to get their taxes done. And Column Tax is in a mission to do something about it!Gavin Nachbar, Co-Founder of Column Tax, shares how Column Tax is disrupting the process of filing taxes - and it all starts by leveraging customer's existing apps! Column Tax is a B2B2C solution that enables Neobanks, Banks, and Institutions to solve a taxing problem for their users.We discuss the complexity of the US Tax System and how it affects Americans, who Are Column Tax's Customers, how Column Tax saves people time and money, User Experience with Column Tax,what sets Column Tax apart? Building trust with customers and much more!If you enjoy this Purpose Driven FinTech pod, please subscribe in YouTube, follow in Spotify, and leave a 5 star rating apple podcast. Remember to connect in LinkedIn to keep the conversation going.Let's get into it!

“I love filing my return!” Said no one ever… did you know in the US people spend over 5 billion hours per year to get their taxes done. And Column Tax is in a mission to do something about it!Gavin Nachbar, Co-Founder of Column Tax, shares how Column Tax is disrupting the process of filing taxes - and it all starts by leveraging customer's existing apps! Column Tax is a B2B2C solution that enables Neobanks, Banks, and Institutions to solve a taxing problem for their users.We discuss the complexity of the US Tax System and how it affects Americans, who Are Column Tax's Customers, how Column Tax saves people time and money, User Experience with Column Tax, what sets Column Tax apart? Building trust with customers and much more!If you enjoy this Purpose Driven FinTech pod, please subscribe in YouTube, follow in Spotify, and leave a 5 star rating apple podcast. Remember to connect in LinkedIn to keep the conversation going.Let's get into it!

Millions of fintech app users have lost access to their cash. In this episode, we explain why this happened and show you how to protect yourself when placing cash with traditional banks, neobanks, and fintech platforms.Topics covered include:The mass chaos in the fintech space spawned by the bankruptcy of Synapse Financial TechnologiesWhat are FBO accounts, and why they are so troublesomeWhat is the difference between a traditional bank, a neo bank, and a non-bankWhat to look for and protect yourself when investing your cash savingsSponsorsNetSuite Delete Me – Use code David20 to get 20% offOur Premium ProductsAsset CampMoney for the Rest of Us PlusShow NotesCHAPTER 11 TRUSTEE'S INITIAL STATUS REPORT BY UNITED STATES BANKRUPTCY COURT CENTRAL DISTRICT OF CALIFORNIA SAN FERNANDO VALLEY DIVISION—CourtListenerFintech platform Synapse raises $33M to build ‘the AWS of banking' by TechCrunch—SynapseX Post by Jason Mikula—X"Full Reconciliation... May Not Be Possible," Synapse Trustee Says by Jason Mikula—Fintech Business WeeklyMercury Seeking $30M From Synapse, Emergency Court Filing Reveals by Jason Mikula—Fintech Business WeeklyInfighting among fintech players has caused TabaPay to ‘pull out' from buying bankrupt Synapse by Mary Ann Azevedo—TechCrunchFintech startup Copper forced to discontinue banking services amid Synapse fiasco by Taylor Soper—GeekWirea16z-backed Tellus wants to offer consumers a much better savings rate. Here's how. by Mary Ann Azevedo—TechCrunchFDIC Demands Three Companies Cease Making False or Misleading Representations about Deposit Insurance—FDICRelated Episodes440: Beware of Platform Risk424: Are More Bank Runs Coming? The Collapse of Silicon Valley Bank412: Where to Invest Your Cash Savings for Higher Yields304: A 15% Guaranteed Return? Lending on the Fringes of FinanceSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

I had the absolute pleasure of sitting down with Kamran Ansari, Partner at Headline Ventures. We talk about public markets, private markets, why he's convinced Stripe isn't going public in 2024, and some other smokin' hot takes. Enjoy and remember to subscribe to us on YouTube!!!!Links:Kamran on LinkedInHeadline Sponsor:SkipfyTopics:(00:00:00) - Intro(00:01:27) - Kamran's journey into VC(00:05:05) - The early days of Venmo(00:11:52) - Working in corporate development with Pinterest(00:15:14) - The importance of people and recruiting(00:25:04) - Stripe will not IPO in 2024 PERIOD(00:32:43) - Predictions for NeoBanks(00:35:16) - Chime(00:40:40) - SPACs and Better(00:46:02) - The Capital One/Discover deal(00:54:37) - How do you start a bank?(00:56:56) - Kamran's day-to-day life and work**note on Venmo: The deal happened before Kamran joined. He ended up finding deep alignment with the founders and ended up working closely with the team as a Board Observer as well as a Leader and Advisor in many capacities.

This week on In Her Element, we're bringing you Fintech Files, a podcast from BCG Platinion. A show where we delve deep into the dynamic landscape of Fintech, NeoBanks, and the Digital Banking world, sparking insightful conversations with industry disruptors from around the globe.In this episode, we ask the question: “How many globally lack access to banking?” Astonishingly, one in three. In this insightful conversation, Vera Futorjanski, former Head of Communications at Rocket Internet and founding member of Dubai Future Accelerators, shares her journey. Emphasizing the transformative role of technology, she explores challenges and strategies to enhance accessibility and diversity in finance through education and innovation. About Fintech Files: So, what are the most groundbreaking trends shaping the future of Fintech, and how will they impact your financial world? Fintech Files takes an accessible approach to technology. We break down complex topics and have our guests explain them in a relatable "explain it to your grandma" style. In every episode, we focus on real-world stories of how financial technology operates, demystifying complex concepts and making them relatable for both Fintech enthusiasts and professionals.The Hosts of Fintech Files: Fintech Files is hosted by Nora Hocke, a manager at BCG Platinion in Munich, and Annika Melchert, a principal currently based in the Middle East. Our hosts specialize in IT strategy, modern tech architecture, and state-of-the-art banking. In their work, they've collaborated with some of today's most innovative Fintechs to transform their organizations; including supporting generative AI use cases. With their unique blend of tech expertise and passion, they bring you stories that capture the essence of the evolving Fintech landscape. This season, we're thrilled to introduce Bianca Lopes. Originally from Brazil and currently based in Denmark, Bianca is an entrepreneur and economist with a remarkable background in digital identity and biometrics. Throughout her career, she has supported over 40 financial institutions and 8 governments, reshaping their approach to technology, reimagining identity, and driving innovation agendas.We Want to Hear from You!Reach out to us at fintech-podcast@bcgplatinion.com with your questions, guest suggestions, or topics you'd like us to explore. Or just drop in to say hi! Visit our website at https://bcgplatinion.com/insights/podcast-fi/ and follow us on social media for updates and additional content.We'll be back next week with a new episode of In Her Ellement with your hosts Suchi Srinivasan & Kamila Rakhimova from BCG, where we'll hear meaningful conversations with women and allies in digital, technology, and business.This podcast uses the following third-party services for analysis: Chartable - https://chartable.com/privacy

Why banks can't get out of the habit of not using the out-of-branch tools available when they are doing business in the branch? Why is that so hard? Why banks don't value the virtual branch, like the physical branch, and do not enable younger generations to become users of the financial institutions the way they like the best - via digital? These are only some of the questions that financial institutions must work on to get more customers who hold phones in their hands from the age of 2. It is time to innovate! Notes:

In today's episode, Norris Koppel, Founder and CEO at Monese, shares his vision of hyper personalization and customer-centric financial services enabled by AI, and becoming 'the bank of the future.'We discuss the impact of AI on the financial industry, understanding the current state of AI in FinTech, concerns regarding its implications, and practical usecases for AI to improve processes, prevent fraud, and offer highly personalized services to customers. Norris talks to us about Monese's spin off, XYB by Monese, an end-to-end coreless banking platform and his partnership with Google for generative AI.Let's dive into it!

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

Ramy Adeeb of 1984 Ventures joins Nick to discuss 2024 Predictions P2: Bullish/Bearish on Acquisitions, First-Time Founders, Neobanks, PLG, Gaming, Cleantech, Venture GPT, Cyber, and A&D. In this episode we cover: US Politics and Election Predictions in 2024 Economic Indicators, Credit Crisis, and Government Spending Down Rounds in the Startup Industry Venture Capital, Product-Led Growth, and Industry Evolution Gaming, Clean Tech, and VC Investments AI's Potential Impact, Cybersecurity, and Defense Tech in the Venture Capital Industry Guest Links: Twitter LinkedIn 1984 Ventures The hosts of The Full Ratchet are Nick Moran and Nate Pierotti of New Stack Ventures, a venture capital firm committed to investing in founders outside of the Bay Area. Want to keep up to date with The Full Ratchet? Follow us on social. You can learn more about New Stack Ventures by visiting our LinkedIn and Twitter. Are you a founder looking for your next investor? Visit our free tool VC-Rank and we'll send a list of potential investors right to your inbox!

In the ever-evolving landscape of banking, a clash of titans is underway, pitting traditional community banks against the innovative disruptors known as Neobanks.Community banks must revamp digital experiences, embrace storytelling in marketing, and strategically connect with younger demographics.To ensure long-term success, strategic planning involving senior leadership and dedicated teams is paramount, providing these banks a transformative path to compete effectively in today's financial sphere.Notes:

Estamos em momento de amadurecimento dos neobanks em todo o mundo, com pressão por resultados vindo por parte dos investidores (sejam eles VCs ou demais acionistas, no caso daqueles que abriram capital). No Brasil, vemos a consolidação dos players locais mais antigos, o surgimento de competidores nichados e o avanço de alguns neobanks internacionais (em uma arena na qual nem todos têm conseguido se manter de pé). Nesse episódio, falamos com o Glauber Mota, CEO da Revolut Brasil, o player mais global dentre os neobanks da atualidade. Falamos sobre os desafios de expansão (tanto no Brasil como em outras partes do mundo) e as perspectivas para esse mercado. *** Quer saber mais sobre a arena competitiva dos neobanks e o futuro desse mercado? Adquira o livro "A Nova Lógica Financeira" no Link abaixo! https://amzn.to/45S69Dq *** Acesse também o nosso Podcast no Youtube: https://youtu.be/B1Cy5Aq-znk

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

It's surprising to me that people are still amazed at the fact that banks can go bust. It most definitely will not be the last time [a bank goes bust], it's a cyclical thing.20 YEARS IN PERSPECTIVE:“I try not to do stress.”We had initially gone to Dubai to spend 4 years there. 4 years turned into 13. All in all can't complain, it's been a good couple of decades.The challenge has been to maintain a good balance of finding stimulation at work, finding stimulation at home with your family, with your sports, with your activities and then obviously with your friendship. As you start to bring other elements into this equation, it becomes extremely complicated to find the right balance.Sports [for me] has always been a huge part in terms of finding some kind of chemical balance I think there's a huge impact there.It's important not to take yourself too seriously right?If you were no longer around is your job that essential that there is a crisis and the answer - people will find alternative ways and the world continues to turn. So I think if you don't take yourself so seriously and sometimes have a little reality check it helps to deal with perceived stress. I try not to do stress.I'm a bit of a stoic, so we don't do regrets, but learnings. There are too many learnings I think, to list them here.“Retirement ever or never” – “Definitely ever. But I have a whole bunch of other stuff that I want to do, so it won't be retirement per se. But retirement from banking, yeah, that's coming up.”ON TOPIC: Banking, private banking, neo banks, digital currencies, bank busts and moreThe traditional model [of banking] is reaching the end of its journey.When everybody knocks up, rocks up at your door and they want their cash at the same time the bank goes bust. It is honestly as simple as that. That is what happened to Credit Suisse.We dealt with this in a very Swiss and pragmatic way: there's a bank run, it's Credit Suisse, okay UBS, you're buying them and that's just the end of it. And we will provide you with the necessary guarantees to do so please make sure it's done in 48 hours.Some version of chat GPT whether it's 4 or 5 or 6 and they've already had some experiments will end up picking stocks way better than a human being.AI will be able to process amounts of information that human beings are just not capable of doing and so I think that is going to make banks better, cheaper for the end user, right? And the winners will be those who will have invested and deployed this technology in an appropriate and applicable manner.Crypto - I'm still not sure in the current state of things that it has any applicability whatsoever quite frankly.Will we emerge from currency to some form of digital currency - one hundred percent we will and it's just a natural evolution of currency. We used to barter, and then used to use precious metals, and then currency came into effect, and then it was coins and bills, and all of that will disappear and it'll all be digitalized.Does bitcoin take over from the US dollar and the Swissie? No I don't think so.ON TOPIC: State of play for the world, geopoliticsIs it that the world is in a mess or is it that human beings are messy creatures?Not to be cliché, but [the world] is getting more polarized at every level of society and in countries, exacerbated by social media.All THINGS INSEAD AND GIVING BACKIn life the most valuable thing that you could possibly have are friendships. And INSEAD has undoubtedly given me extremely precious friendships of people that are like-minded, generous, extremely intelligent and towards whom I've been able to turn for advice for real kind of genuine conversation over the years.

On this week's Fintech Recap, Alex and Jason unravel the latest industry buzz and breakthroughs in fintech. And in this episode, they're diving into neobank Current's unique credit-building charge card— how is it reshaping spending dynamics, and how will regulators manage to prevent losses? Plus, discover the intricacies of Plaid's partnerships with Pinwheel and Atomic. Later, Jason and Alex discuss the platform, Synapse, exploring BaaS deposits and their regulatory implications before getting into Roger's niche neobank tailored for military members and recruits.    And finally, it wouldn't be an episode of Fintech Recap without a bit of crypto insanity to liven up the podcast, would it?   Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/   0:00 Intro 2:20 Current's Credit Building Card 13:00 Plaid's New Partnership 24:35 BaaS and Risk 35:21 Roger's Military Recruit Neobank  44:45 Crypto Transactions   Follow Jason: LinkedIn: https://www.linkedin.com/in/jason-mikula-1809a5126/ Substack: https://substack.com/@fintechbusinessweekly   Follow Alex:  LinkedIn: linkedin.com/in/alexhjohnson Twitter: twitter.com/AlexH_Johnson For more information, please visit www.crowe.com/fintech

In today's rapidly evolving financial landscape, traditional banking institutions are no longer the sole players. Enter Neobanks and Challenger Banks, two terms that have been making waves in the fintech industry. But what exactly are they, and how do they differ from each other? In this episode of Down to Business English, Skip Montreux and Dez Morgan discuss Neo and Challenger banks and demystify the world of digital banking. In the ever-evolving world of fintech, understanding these new-age banking solutions is not just beneficial; it's essential. Join Skip and Dez and learn the answers to these questions: What are the primary differences between Neobanks and Challenger Banks? Which regions or countries are seeing the most significant adoption of Neo and Challenger Banks? Are Neobanks profitable entities? Visit Apple Podcasts to subscribe to Down to Business English, rate the show, and leave a comment. Contact Skip, Dez, and Samantha at downtobusinessenglish@gmail.com Follow Skip & Dez Skip Montreux on Linkedin Skip Montreux on Instagram Skip Montreux on Twitter Skip Montreux on Facebook Dez Morgan on Twitter RSS Feed

Immad Akhund is the CEO of Mercury, a bank for startups. He's also a multi-time founder and a Dual Threat CEO with over 300+ angel investments. Auren and Immad discuss the collapse of SVB and how Mercury handled an influx of over $2 billion in deposits. Immad explains some lesser-known structural aspects of the banking system that affect the product and customer experience. Auren and Immad also talk about crowdfunding a startup, how much focus founders need to succeed, and why Dual Threat CEOs can outperform conventional VCs. World of DaaS is brought to you by SafeGraph & Flex Capital. For more episodes, visit safegraph.com/podcasts. You can find Auren Hoffman on Twitter at @auren and Immad on Twitter @immad.

Today, I'm talking to fintech pioneer, Shamir Karkal, the Founder and CEO of Simple. Founded in 2009, Simple was one of the very first neobanks, meaning they offered banking services, but were not themselves a bank. Simple built the user experience and tech, but partnered with a bank to provide the charter.In 2009, it was not at all obvious this was even possible. Simple helped prove it was and grew a cult-like customer base in the 100s of thousands. It's hard to overstate how important the neobank model has become for fintech in the decade plus. Today, there are 100+ Neobanks and 20+ banking as a service platforms. But the bank-as-a-service model, is not just a story of neobanks. It's been crucial to the growth of fintech, especially embedded fintech, more broadly. So, today, we're going to talk w/ Shamir about what it took build Simple and pioneer a category.But, like any good pioneer, Shamir's not finished. Today, he's founded Sila, a banking-as-a-service platform, informed from his time building Simple. We'll talk cover that as well as what Shamir see's in the future of financial infrastructure.

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!

Kicking off season 4 of Digital Transformation & Leadership, Danny Levy talks to Monica Millares who works at BigPay, as Principal, Product. She moved to Malaysia as part of BigPay's founding team to help launch and grow what is now one of the fastest growing NeoBanks in South East Asia with 1.37 million transacting users. Monica is a product leader and women advocate who has spent the last decade building great product in the FinTech space. She believes in Financial Safety for all, and that the future of FinTech is to make FinTech more human. Prior to BigPay, Monica steadily progressed from junior analyst in big brands like Visa and Barclaycard, to being one of the first joiners in UK Challenger, Tandem Bank. She helped build the digital bank from scratch and worked with Tandem's CEO on strategic initiatives and Board management. Monica sits on the Board of PayEd - Education in Payments, and is recognized as Singapore's #Fintech65 Product Leaders and Women in FinTech. She is also a Podcaster and hosts "Purpose Driven FinTech" podcast, writes the "Innovating FinTech" newsletter, and mentors young professionals. In the episode Monica shares insights at her role at BigPay and how this aligns with the topic of the episode, her views on the growing financial stress that we all find ourselves under, how this impacts quality of life and mental health, insights on underbanked and unbanked, and what role FinTech has to play in all of this. She also shares her top career/life lesson and advice to listeners just starting out in the industry.

All too often banks make it difficult for ISOs and agents to set up accounts. Not so neobanks. Neobanks are fintechs with apps that streamline mobile banking. And neobanks are a potential game changer for merchant services. ISOs and agents are uniquely positioned to profit from neobanking. Maybe even more than they profit from payment processing. Netivia Banking, the sponsor of this Merchant Sales Insight, is on the cutting edge of neobanking. Go to ccsalespro.com/netevia to open your own Netevia business banking account. I did, and I really like the flexibility and control it gives me.

Neobanks are 100% digital. They run exclusively through mobile apps, with no brick-and-mortar premises. They offer customers a user-first design, and promise low cost banking operations. There are more and more neobanks around, drawing in millions of users and rivalling traditional banks, although they don't technically hold the same status.  Don't confuse neobanks with digital banks, which are usually the online-only arms of bigger players in the banking sector. You may have heard of the SanFrancisco based neobank Chime, which is the leader in the US at the moment. But brands like N26, Revolut and Monzo are also bringing over their expertise from Europe, where the online-only trend is further ahead. All were created in the late 2010s. So why would I want to try a neobank then? So what about our traditional brick-and-mortar banks? They're not just going to disappear are they? In under 3 minutes, we answer your questions! To listen to the last episodes, you can click here: How can I reduce damp and mould in your home? Why do I get vertigo? How can I sleep well with a blocked nose? A Bababam Originals podcast, written and produced by Joseph Chance. In partnership with upday UK. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode you will learn:How does access to credit impact low income countries like India?Why does Sheel insist on a minimum ownership of 10%?What are the reasons for Sheel's reluctance to invest in startups that need to raise a lot of funds?Are both first-time founders and second-time founders equally willing to accept the valuations offered by Better Tomorrow Ventures?Under what circumstances would Sheel stop supporting one of his portfolio startups?What kinds of fintech startups are poised for success in this decade?Do all neo banks face challenges with customer trust and what factors are preventing them from competing with traditional banks?What are Sheel's plans for scaling Better Tomorrow Ventures in the coming years?AboutSheel Mohnot is a Co-Founder & Partner at Better Tomorrow Ventures, a seed-focused venture capital firm that invests in transformative fintech companies founded by exceptional individuals across the world. With its second set of funds amounting to approximately $225M, Better Tomorrow Ventures is dedicated to investing in innovative ideas that can revolutionize the fintech industry. Sheel's exclusive focus on fintech investment dates back to 2015, following a couple of successful FinTech exits. Sheel has also co-founded the podcast "The Pitch," which was acquired by Gimlet Media / Spotify and attracts around 100k weekly listeners. Additionally, Sheel has co-founded Thistle, a food company that serves tens of thousands of customers every week.

Mary Ann is taking over while Natasha attends a summit in LA, and this week, she interviewed Mark Goldberg, partner and fintech lead at Index Ventures. Since 2015, Mark has spent his time investing in - and sitting on the boards of - financial services companies including Plaid, Persona, Lithic, Cocoon, and Pilot.The duo talked about:The party that was 2021 and the hangover that was 2022Mark's Twitter prediction that raised some eyebrows on TwitterWhy 2023 will be a survival of the fittestAlex, Mary Ann, and Becca are back Friday with more Equity, but as always, you can keep up with us in the meantime 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, Spotifyand 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!

Jayesh Patel is the CEO of Wio Bank. Recently launched less than a year ago, Wio bank is remarkable because it targets a segment of the population that may be the most under-served in the world: micro businesses, which account for over 99% of all business activity in the world.Jayesh is highly passionate as he discusses the evolution of banking in practical terms. He talks us through how the relationship between banks and the public has historically transformed with the advent of technology. However, customers often need to be made aware of the labor required to make these transformations possible.Transitioning to online banking took over a decade, and implementing mobile banking also took many years of work to build the infrastructure reliably. Jayesh also discusses:The role of neobanks in the global economyNavigating the imminent slowdown in the funding cycleThe longterm impact fintechs have had on bankingOur website

Natasha, Mary Ann and Becca got on the mic to talk startups, pet peeves and focaccia. What else did you expect?Here's what we got into:Descope landed a $53 million (!) seed round, a Phenomenal new venture fund and a neobank out to make credit more accessible to young people in Mexico.Then we pivoted to talk about buy now, pay later (BNPL), which included some chatter about Affirm's recent woes and which areas of BNPL that do seem to be growing despite questions around whether this is the end of the BNPL boom as we know it.Tech layoffs are as widespread as ever so we talked about what advice some VCs have for those laid off workers considering launching their own startups, and what we thought of that advice.Finally, we ended with a jump over the pond to talk about EU's tech scene. Mostly about the fact that it is far more put together than the U.S., and all that jazz.With that, we'll be skipping the upcoming week's Equity Monday due to the holiday and back with more on Wednesday, led by Becca!For episode transcripts and more, head to Equity's Simplecast website. Equity drops at 10:00 a.m. PT every Monday and at 7:00 a.m. PT on Wednesdays and Fridays, 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!

Are you ready for Season 02 of Couchonomics? Building on the impressive momentum we managed to achieve in Season 01, we're diving even deeper into the world of finance and technology. The way the world does finance is changing, and in Season 02 we're taking a closer look at some of the changes that will define the way we spend money in the future. What makes this time so exciting is the uncertainty and innovation hanging in the air.Explore how banks intend to keep pace with our rapidly changing world using inventions such as central bank decentralized currencies, cooperating with founders of inventive fintechs to offer embedded finance, banking as a service, and much more. Find out the answer to these questions and so much more on Couchonomics where we meet with innovators and regulators in the space to create a vivid illustration of the rapidly evolving financial services industry. Our website

In this week's episode of the DeFi Download, Piers Ridyard talks with Lane Kasselman, the president of Blockchain.com. They talk about Lane's experiences leading a rapidly expanding multi-services platform, the reasoning behind Blockchain.com's focus on user-friendliness, and the differences in cryptocurrency adoption across the world.Chapters00:00 - Intro[01:15] Lane Kasselman as President of Blockchain.com and the company's growth under his direction[01:56] How does Lane describe Blockchain.com and who its ideal user is?[05:20] What was unique about the DNA of Blockchain.com, and what did it do differently to remain in the space when many other wallet companies have vanished? [08:05] Are exchange products and institutional products on Blockchain.com custodial? What was the internal narrative behind the company's current offering of easier-to-use services for consumers and businesses, given the early decentralisation maximalism basis of "not your keys, not your crypto" that drove the company's early success?[10:35] Numerous markets in regions with troubled financial systems have adopted cryptocurrencies as a replacement for their failing monetary structures. What factors contribute to its relative lack of popularity in the Western world?[11:45] As a result of lagging behind in digitalising its banking system, Europe is now at the forefront of fintech, which will likely slow the widespread adoption of cryptocurrencies. China's slow adoption of cryptocurrency is a result of the country's widespread use of QR-code-based payment systems. By contrast, people in parts of Africa and South America are turning to cryptocurrency because of the region's inadequate banking infrastructure.[14:59] Neobanks were instrumental in laying the groundwork for new technology finance.[17:20] Most people would rather play it safe with their money than take any chances with it. However, the crypto community tends to attract those with a high-risk tolerance.[18:28] A challenge to the Blockchain.com model: Because decentralised finance is still in its early stages, we have tended to provide a safe-feeling consumer experience, such as Blockchain.com's customer support. MetaMask and Uniswap, on the other hand, provide no such help. Will there ever come a time when users are knowledgeable and comfortable enough with decentralised platforms to abandon centralised ones?[24:22] Will Blockchain.com's super wallet strategy additionally include providing users with an intuitive interface for accessing services like Aave, SushiSwap, and Uniswap?[26:14] The entire consumer model is all about value-add and an appealing interface, both of which crypto lacks. Another hot topic is regulation. Where does regulation fit into the development of better interfaces for services built on top of public ledgers that provide yield, liquidity opportunities, borrowing and lending, and are packaged into consumer-friendly products?[29:25] Reasons why the American government and regulators cannot make cryptocurrency illegal[33:49] One of the most serious issues in the regulatory sphere right now is the delay in thinking. The majority of regulatory enforcement actions have focused on obvious scams. Demonstrating the value of the cryptocurrency industry has become more urgent and necessary.[39:41] Where to follow Blockchain.comFurther resourcesWebsite: blockchain.com Twitter: @blockchain Lane Kasselman's Twitter: @kasselman  Peter Smith's (CEO) Twitter: @OneMorePeter----------------Learn more about Radix:Website: https://www.radixdlt.com Twitter: https://twitter.com/RadixDLTTelegram: https://t.me/radix_dlt

https://lex.substack.com/p/podcast-scaling-a-core-ledger-for#detailsIn this conversation, we chat with Jarred Ward, CEO and co-founder of Twisp. Ward has been tasked with building nearly every part of the modern financial ecosystem, from a greenfield core banking stack, direct integrations with Visa and the card networks for card issuing, and later, building a banking-as-a-service API on top of BBVA's global core.Ledgers are the detailed records of transactions and money movement for every fintech, yet they are continuously reinvented for every product. The process of building and operating mission-critical ledgers to track and reconcile payments and money movement is complex.Twisp's vision is to provide the operational and scaling guarantees of DynamoDB, the correctness guarantees of a relational database, with the ledger and accounting primitives you need to build modern financial products at any scale THANK YOU TO OUR SPONSORS This episode was sponsored by Twisp. We are committed to highlighting partnerships transparently, and only work with organizations that we find compelling from an editorial perspective. MENTIONED IN THE CONVERSATIONTwisp website: http://bit.ly/3BEWBzbCEO's Linkedin profile: http://bit.ly/3HAHgng Topics: fintech, blockchain, ledgers, finance, financial infrastructure, cloud, accounting, banking-as-a-service, baas, apiCompanies: Simple, BBVA, Twisp, PacifiCorp, Stripe, Marqeta, MySQLABOUT THE FINTECH BLUEPRINT

On this episode, we discuss neobanks' primary revenue streams, their sustainability, and insights from Insider Intelligence's "US Banking Digital Trust Benchmark 2022" report. In “Story by Numbers,” we pick four numbers to tell the story of the growth and health of neobanks. And in “Inside Baseball,” we run through which neobank players are heading to the big leagues and which are destined for a life in the minors. Tune in to the discussion with host Rob Rubin and our analyst Tiffani Montez.   For sponsorship opportunities contact us: advertising@insiderintelligence.com For more information visit: https://www.insiderintelligence.com/contact/advertise/ Have questions or just want to say hi? Drop us a line at podcast@emarketer.com    © 2022 Insider Intelligence 

It is time for another monthly installment of Payment Trends - July 2022. Today we are sending out an invite to Senator Dick Durbin or anyone from Congress who would like to talk about credit card processing. We would LOVE to have you on our podcast and discuss payments and the payment ecosystem. We sent your team an email via your website. Today we are diving into the news: Apple - Getting sued for creating a non-competitive market. Buy Now Pay Later - more players are getting into the business. NEOBANKS - a growing trend - open a bank account without walking in the door. Government Regulation - is getting crazy - more agencies and task forces are looking at the financial industry. The reasons for this? Innovation is outpacing regulation - so businesses - FinTech are moving faster than the Government can react. Also, a few "Payment Activists" in Congress are attacking various financial industries. Here is a list of some of the agencies we are talking about: CFPB- Consumer Finacial Protection Bureau Federal Reserve Central Digital Bank Task Force on Financial Technology Task force on Mobile and Security The Office of Competition and Innovation - to promote innovation in the area of payments. Yet they are stifling innovation with over-regulation. The Government is asking all the big tech companies to hand over all types of information concerning all the data they collect and what they do with it. Meanwhile, insider trading has been going on for years, with congresspeople buying stocks that they have inside information. Now an investigation concerning $1.8 million of Crypto was sold by Congress before the new tax laws were released to the public. Since then, cryptocurrency has taken a tumble as investors and traders bailed out. This kind of stuff needs to stop. Also, more rules on Crypto, and what agency or agencies will be in charge of that? It looks like a hot mess - as the rules they are looking at do not make sense. So, enjoy today's Payment Trends Podcast. For more info about B2B Vault or if you want to book an appointment, text the word "BOOK" to 954-827-9818 Carpe Diem Peace Out Enter The B2B Vault Contest ---- https://kingsumo.com/g/2lfsmi/b2b-vaults-100th-episode-grand-prize-giveaway/

Neobanks -- the what, the why, and the what happens next.

Techcrunch reports fintech accounted for 21% of all venture capital dollars raised in 2021. When things go up, they also have a Newtonian way of coming down. The same article says that 10% of all layoffs in Q2 came from the fintech sector. Neobanks such as Chime, Nubank, Klarna and Revolut were rocketships that now have pulled IPOs and taken massive valuation haircuts. Does this signal the end of neobanking? Ron Shevlin, Chris Skinner and Jason Henrichs debate what's next for the neos. In the second half, Amber Buker, former partner at Alloy Labs where she led strategic insights, decided a global economic meltdown was the perfect time to start, wait for it, a neobank. Tune in to hear it isn't crazy as it sounds. She even convinced Alloy Labs Alchemist fund to invest. That's both a disclosure and vote of confidence. This week on Breaking Banks - is it the end or the end of an era? https://www.youtube.com/watch?v=TRREcQRMxqQ

On today's episode, we discuss the different types of cryptocurrency, the significance of paying with it, and what's most likely to drive adoption. "In Other News," we talk about the most significant short- and- long-term changes of the fintech bubble bursting and how neobanks plan to actually make some money. Tune in to the discussion with our analysts Grace Broadbent and David Morris.   For sponsorship opportunities contact us:      advertising@insiderintelligence.com.   For more information visit:   https://www.insiderintelligence.com/contact/advertise/ Have questions or just want to say hi? Drop us a line at podcast@emarketer.com   © 2022 Insider Intelligence     

Hello and welcome back to Equity, a podcast about the business of startups, where we unpack the numbers and nuance behind the headlines. Every Monday, Grace and Alex scour the news and record notes on what's going on to kick off the week.Thankfully we did not start this episode by talking about Elon Musk and Twitter! You are welcome!Instead we started with bleak Chinese economic news, that segued into falling venture capital totals for a key startup sector in that country. It turns out that a massive regulatory crackdown will have in-market impacts!From there it was time to chat Yuga Labs and its recent minting chaos. Bloomberg has more.Then it was time to chat neobanks, in particular the recent rounds from Open ($50 million) and Cogni ($23 million).This is not a live show week, so Equity will simply come out on Friday as usual. That said, we do have a Twitter space scheduled for today with our own Kirsten Korosec, so follow us on Twitter and we will see you there.