Podcasts about payactiv

Peter Mullen brings more than two decades of marketing leadership to his role as Interactions' CMO. Previously, he was Senior Vice President of Marketing at Payactiv, where he led customer success marketing, lead-gen programming, customer acquisition, product marketing and more.  Prior, he held prominent marketing and communications roles at VXI Global Solutions, Comcast and Netflix.   Questions •  We always like to give our guests an opportunity to share in their own words, a little bit about your journey, how it is that you got to where you are today. •  So, you are currently the CMO of Conversational AI at Interactions, correct? • Seeing that you work at an organisation that you're dealing with troubleshooting of customers challenges on a daily basis, could you share with us maybe one or two success stories that you've had with clients? And you know what the impact has been for their business as a result of your approach and methodology? •  How do you maintain the human touch even though you're using AI and how impactful has that been for your clients? •  What would be two to three things that you would recommend that they need to focus on for the latter part of 2023, preparing for 2024, in order to ensure that they stay relevant, and they're able to hopefully do a better job than their competition? •  Could you also share with our listeners what's the one online resource, tool, website or app that you absolutely can't live without in your business? •  Could you also share with our listeners maybe one or two books that have had the biggest impact on you, it could be a book that you read recently, or even one that you read a very long time ago, but still has had a great impact on you. •  Could you also share with our listeners what's the one thing that's going on in your life right now that you're really excited about? Either something you're working on to develop yourself or your people. •  Where can listeners find you online? • Now, before we wrap our episodes up, we always like to ask our guests in times of adversity or challenge, do you have a quote that you would use or revert back to, to kind of help you to get you back on track if for any reason you got derailed or you felt demotivated or you just got off the course of what you were doing? Do you have one of those?   Highlights Peter's Journey Peter shared that he lives in Silicon Valley. He's been doing marketing for more than 20 years, which means he had the opportunity to arrive in Silicon Valley just as the internet was becoming massively adopted across the world and began to change everything. His background is as a journalist, and more on the liberal arts side of things. So, for him, his journey was one of spending several years moving into the tech world, and really focusing on narratives, how do we tell the stories about the great things that we're building? How do we make it understandable, digestible? And ultimately, what type of impact can we bring to people in many cases who are seeing things for the first time? And Netflix was a defining moment where they reinvented how the world gains its entertainment, with all the beautiful personalization and customization.  Throughout the career, his journey has been sitting in that intersection of new ideas, new technology, making it explainable to people, and how the CX element has come in in the last decade is really simple.  What he discovered was that we could build the greatest things in the world, we could communicate in the best way. But if it was not embraced by CX, if CX was not leading how we presented that to the rest of the world, we would stall. So, for the past decade, his focus has been in the CX world, working in all elements from BPO's, from contact centres, and right now with a wonderful technology company that helps provide better digital experiences for customers around the world.    What is Interactions? Me: So, you are currently the CMO of Conversational AI at Interactions, correct?   Peter confirmed, correct. It's a really simple explanation of who they are and what they do. They are the digital front door for the brands around the world that care the most about that first front door experience. They lead with voice and what that means is that when millions of people call into any of these brands, they start their conversations with, “How may I help you today?” They have AI, plus human in the loop, it's unique, they're the only ones who do that. And it enables the customers to speak in their natural language, ask natural questions and all of their technology processes that really efficiently. The outcome and what that means for millions of call centre agents and businesses alike, is that they have customers that are more satisfied, they're having better experiences without the friction and when they ultimately have to talk to an agent in a human experience when that's necessary, they are further along the customer journey and it's a quicker resolution, so that adds to operational efficient in a significant way.   What Has Been the Impact for a Business as a Result of Your Approach and Methodology? Me: So, seeing that you work at an organization that you're dealing with troubleshooting of customers challenges on a daily basis, could you share with us maybe one or two success stories that you've had with clients? And what the impact has been for their business as a result of your approach and methodology?   Peter stated that it's a great question, he'll give two answers of examples. So, they work with one of the top five financial institutions in America, and a customer of that financial institution will call in with a lost credit card, they're able to process that fluidly and effectively without having to have a human agent engage on that.  And in this sequence, this customer journey, they can actually with their digital technology and their AI cover over 40 different requests that the customer may have just on that simple one call in. They can do it all in one call, leading to an overall better customer experience.  Another example, they work with one of the largest consumer technology companies in the world, they have outlets around the world, you can schedule an appointment at any one of them around the world, call up, talk to their automated assistant, reschedule it for any time, any date with different products that you want to come in and discuss and any different location in the world. Again, without ever having to talk to a human being that can be handled in mere minutes, with their solution, there's no hold time, no waiting in any way. And the processing is just effective and fluid for everybody.   Me: Wow, no wait time, goodness me. Sounds like we need your company here in Kingston, Jamaica.   Peter shared that they did a customer survey in the spring of US base consumers, what their biggest concerns and complaints were, this is no surprise, there are 77% of us who complain that wait times are the number one problem in customer service. If we could eliminate that one thing, let's even reduce it by half, the entire CX experience is transformational for the rest of the journey.   Maintaining the Human Touch While Using AI and How Impactful Has That Been for Clients Me: Could you also share with us that as an organization, I know you mentioned that you're heavily into AI, but you're one of the few companies that also has a human touch that's integrated with the AI in your methodology and approach. How do you maintain the human touch even though you're using AI and how impactful has that been for your clients?    Peter stated that first, he will just acknowledge this remarkable moment in time in the second half of 2023. We are all trying to figure out what to do with generative AI, the world truly changed in November of 2022 last year, when open AI debuted and everyone could see how powerful it was and it's only scratching the surface. So, he's had more than 100 customer conversations this year, he's been to more than a dozen events, walking the floors, talking to everybody. And AI is the number one word being spoken in all of those corridors.  Number two word, however, is human, and this is really important because as all as these businesses around the world and all these people around the world are trying to figure out what the New World Order is going to be. The aspect of having the human touch, the human empathy, the human brain is absolutely essential.  And we all have to acknowledge that the greatest computer for the foreseeable future is going to be the human brain, it is today, it will be over the next coming years. Let's see where it is in the next decade. But for now, let's use that as our baseline.  Now his company is a company that was one of the OG's, the original gangsters of Conversational AI with an emphasis on the artificial part of it, the AI. They started 18 years ago, when they started 18 years ago, AI was not that good. So, from day one, they had put a human in the loop. What that means very functionally is if the technology cannot understand what the customer or the client is looking for, they've always had a human in the background ready to nudge the conversation forward. That agent he or she is not engaged in the whole conversation, but rather, will catch a snippet of the voice conversation or the text or the chat and be able to say, “Aha, this is what Yanique is trying to do, this is where she wants to go next in her journey flow.”  And the agent will, as he said, nudge it forward. That's unique for what they do. So, they focus AI first, and about 90 plus percent of the time AI is all that's needed. But for that last 10,% it's essential that the human helps move it onward. And other companies today don't do it that way, other companies are typically starting with the human first and then augmenting AI on the back end for automation. Does that make sense?    Me: Right? So, basically, you're saying because the human comes in at the tail end of the experience, you're able to have the resolution done quicker. Because now it's moved up, it's escalated, especially if it's something that can't be fixed that first point of contact.   Peter stated that that's exactly right. If you think about the IVR, and the prompts that typically exist in many frontline solutions, the moment that we run into trouble, we get into a loop, or we can't move forward in a way we want, we start pressing zero, we start yelling for the agent, 33% of us swore at a robot last year, that just let you know just how peaked, he thinks that percentage is low, but it shows how peaked people are with their customer experience. And for what typically happens, as you know, as the first one or two engagements are okay, then it starts getting more complex, more layered, more nuanced, that's where a human can play this essential role of coming in and understanding what you want to do and then pushing it forward.   Recommendations Companies Need to Focus on to Ensure They Stay Relevant and Do a Better Job Than Their Competition Me: Now, you mentioned that we're like halfway through 2023 and it's so true, a lot of us are looking to what's next, what's the next innovative, creative, exciting thing that my organization can do that would set me apart from my competition? So, if you were to give advice to our listeners that are tapping into this episode that are in the customer experience space, what would be two to three things that you would recommend that they need to focus on for the latter part of 2023, preparing for 2024, in order to ensure that they stay relevant, and they're able to hopefully do a better job than their competition?  Peter stated so first, he wants to use the word he used earlier, which is baseline. He thinks it's really important to have a baseline understanding of what AI is doing, and what it's going to be doing over the next several years. His perspective and opinion is that it is much more significant than even any of us understand that this is truly a game changer that is going to impact every aspect of the customer contact centre world, customer experience itself, that's his baseline.  Now, on top of that, here's another trend that is not just for the rest of this year, but essential to understand how fast it has changed the world. Personalization, and customization is transformational. You and I have had all of our behaviours changed by that incredible computer that we hold in our hand, we expect instant resolution, we expect customed and tailored experiences, AI then offers the solution for that expectation.  Over time in the next several years, we're going to be able to automate, we're going to be able to speed up resolutions or experiences. And we're going to be able to customize and personalize those experiences, these are essential to understand as macro themes. And they're secular, which means they are long standing, it's not just going be a blip on our radar.  So, if he's a young person in a contact centre, moving his way up, ambitious, he leans forward, he's thinking about how rapidly this can potentially impact and change the ecosystem that he works in today. So, as an individual, he's thinking to himself, how am I going to evolve and ride the wave in a way that will be beneficial for me, for my family, and for those around, there's tremendous opportunities. But it's absolutely essential to understand how big this is.   If he's a business, so, now moving up the food chain a bit, he needs to be thinking about how AI can bring operational efficiency, improvement in Op X - operational expenses, and how we can truly automate and streamline my overall operations. And if he's that person, which many days he's talking to those people by the way, he's thinking to himself every day, how do I take the incredible human capital and the talent I have, and build solutions around them so that talent can be unlocked?  You and I both know how much processing takes place, how much wrote automation occurs right now with human beings. Think about what it's going to mean as we can start to unlock all of that talent, because AI can put in the automation, freeing us up to do a lot more important and essential things which ultimately reinforces at that whole personalization opportunity back to the clients.   App, Website or Tool that Peter Absolutely Can't Live Without in His Business When asked about an online resource that he cannot live without in his business, Peter stated that this will probably not surprise many people, he believes that Slack is absolutely a game changer for businesses today. So, the challenge that we have is that in the past three years, our worlds have turned upside down and we've gone hybrid, we've gone remote, we've gone back to the office, typically kicking and screaming in that case. It is a true challenge for business leaders to understand how do you effectively communicate with your teams in this new disrupted world.  He'll give you one example. If you are a business that has veterans who have worked there for multiple years, they have a tonne of tribal knowledge, they also have positive relationships that they've formed over the years with each other, then you have now new people coming in who don't have any of those connections, they don't know where things even are. A tool like Slack has one beautiful element that he doesn't think is talked about enough. It enables you to process both business in real time, but it also enables you to process personality and more of the informality that used to take place in offices all the time, even a smiley face or a thumbs up is a different type of communication then you would have on email, you have on the phone. This type of connecting of the fabric is absolutely essential to be doing right now for business success.   Books that Have Had the Biggest Impact on Peter When asked about books that have had the biggest impact, Peter shared that there's a book that is called Hooked: How to Build Habit-Forming Products by Nir Eyal. He's a Stanford Professor and this came out about a decade ago, Hooked is a very friendly, easy to read, B to C book, describing how to capture the curiosity of people online, typically using apps. It's simply how you build their confidence, which leads to trust, trust leads to engagement, engagement leads to loyalty and sales. And the reason that he's calling that out is because it is so darn simple. He keeps it on his bookshelf and reread it at least once a year simply to reinforce how important it is to build confidence and trust with a buyer no matter B2B, B2C, client, customer, anyone. Trust is the absolute currency of the next 20 years.   What Peter is Really Excited About Now! When asked about something that he's excited about, Peter stated what a great question. So, he's going to speak about people and team for a second. It's been a rough 18 months for many of us, it's been a rough 3 or 4 years for many of us. He's really excited about how to think structurally about teams, think about this hybrid environment all of us are in and think about how to motivate groups of people to lift their heads above all of the different conflicting confusions and excitements and pressures that are hitting us to deliver good results. So, very specifically, he's using this year to think about how on a one to one and a one to few and a one to many, he can help the teams and the people around him optimize their own success.   Me: And do you have some tools that you have in mind in getting that done? Are you kind of just still in the strategy phase?   Peter stated that he believes that there is a tremendous power in having slogans and using those slogans repeatedly to help build momentum, build a movement, almost like a sports team. So, this year in 2023, from a team approach, which is one of the things that's very important to him, he has 3 of them.  One is a zero to one mentality. And what that means and what he share with the team is that there are massive things that they are trying to change but if they take a quote, unquote, one, zero to one mentality, what it means is that they constantly want to think about start-up and start-up innovation. Take small steps forward, look at everything you're doing as going from nothing to something. And what that does is it enables you to have small fast wins. It enables you to appreciate those wins. And when you have setbacks, and we all do, it puts those setbacks in a framework that says they're minor and the next day we can move forward, that's zero to one.  Second slogan is “Rungs on your ladder.” And he learned this by working at one of the top 20 largest BPO's in the world. It's incredible to him to think about nearshore, onshore and offshore, millions of folks who are moving up every day with their careers. And so, we focus a lot on rungs on your ladder, what's the right thing for you, wherever you are in your career stage to take the next step up. And they're very explicit with that on his team, every person knows what the rung on the ladder is for their teammate. That type of transparency means that they are a team all working together.  The third one, and the third slogan is lean forward, he has a very strong bias that people who are going to lean forward in their chair are going to be the ones who are going to move forward and be the most successful. But really importantly, because of those first two ideas, if he's getting his team to lean forward, it's in a cooperative, supportive way and that radiates around and their teammates start leaning forward as well.   Where Can We Find Peter Online LinkedIn – Peter Mullen LinkedIn – Interactions Website – www.interactions.com               Quote or Saying that During Times of Adversity Peter Uses When asked about a quote or saying that he tend to revert to, Peter stated that that is a surprise question that he will answer very authentically. He's a cancer survivor. He has had setbacks at multiple times in his life in various ways and spaces. And he thinks many of us have, he thinks that there's a lot of hidden challenges but also triumphs that all of us have experienced. And so for him, a simple phrase that he often uses for himself is, “Always tomorrow.” And what that reflects and means for him is that no matter what setbacks we have, no matter what move forwards we have, there's always going to be the next day to do it again and do it a little better.    Me: Brilliant. Always tomorrow, I like it. Thank you so much, Peter, for taking time out of your very busy schedule and hopping on this podcast with us, sharing all these great insights as it relates to AI is wonderful, but the human touch is also very critical. I'm glad that you did reinforce that in your message and our conversation that the human element isn't going anywhere and it's still going to be the baseline of everything that we're doing, I think that was really critical to what you brought across. And also, some of the recommendations that you believe our listeners can focus on as we move towards closing off 2023 and tap into 2024, what are some of the areas that they need to really engage in. Whether from a as you mentioned, B2C approach, or B2B or even in just building your career. We really appreciate it and just want to say thank you so much.    Please connect with us on Twitter @navigatingcx and also join our Private Facebook Community – Navigating the Customer Experience and listen to our FB Lives weekly with a new guest   Links ·  Hooked: How to Build Habit-Forming Products by Nir Eyal   The ABC's of a Fantastic Customer Experience   Grab the Freebie on Our Website – TOP 10 Online Business Resources for Small Business Owners  Do you want to pivot your online customer experience and build loyalty - get a copy of “The ABC's of a Fantastic Customer Experience.” The ABC's of a Fantastic Customer Experience provides 26 easy to follow steps and techniques that helps your business to achieve success and build brand loyalty. This Guide to Limitless, Happy and Loyal Customers will help you to strengthen your service delivery, enhance your knowledge and appreciation of the customer experience and provide tips and practical strategies that you can start implementing immediately! This book will develop your customer service skills and sharpen your attention to detail when serving others. Master your customer experience and develop those knock your socks off techniques that will lead to lifetime customers. Your customers will only want to work with your business and it will be your brand differentiator. It will lead to recruiters to seek you out by providing practical examples on how to deliver a winning customer service experience! 

Why it was selected for "CBNation Architects": In this episode of the I AM CEO podcast, host Gresham Harkless interviews Safwan Shah, the founder and CEO of PayActiv, a financial wellness company that helps level the playing field for the financially vulnerable. Safwan shares his insights on entrepreneurship, financial wellness, and how businesses can save the world one worker at a time. Throughout the interview, Safwan emphasizes the importance of financial wellness and how it can help individuals and businesses improve their overall well-being. He also discusses the challenges of entrepreneurship and how he accidentally became an entrepreneur after selling a previous company and committing to his golf game. Safwan shares his CEO hacks and nuggets, which include spending 2-3 hours doing deep immersive work and having no fear. He defines being a CEO as working for others. Overall, the episode provides valuable insights into the importance of financial wellness and how businesses can help improve the lives of their workers. Safwan's experience and expertise in the field make this episode a must-listen for anyone interested in entrepreneurship and financial wellness. Check out one of our favorite CEO Hack's CEO Web Shop. Get your free audiobook and check out more of our favorite CEO Hacks HERE. I AM CEO Handbook Volume 3 is HERE and it's FREE. Get your copy here: http://cbnation.co/iamceo3. Get the 100+ things that you can learn from 1600 business podcasts we recorded. Hear Gresh's story, learn the 16 business pillars from the podcast, find out about CBNation Architects and why you might be one and so much more. Did we mention it was FREE? Download it today!   Previous Episode: https://iamceo.co/2019/07/04/iam325-accidental-entrepreneur-helps-level-the-playing-field-for-the-financially-vulnerable/

Payactiv, which as the first EWA provider began an EWA program about 13 years ago, partners with employers to offer their employees EWA. We first discuss what EWA is, the structure of the employer model used by Payactiv and other EWA providers, and how employers participate in and employees access their wages in the employer model. We next look at the structure of direct consumer advance EWA products, the fee structures of employer model and direct consumer advance products, employee usage and benefits of EWA, the CFPB's advisory opinion on EWA, Payactiv's participation in the CFPB's sandbox program, and tax issues raised by EWA. We conclude with a discussion of federal and state regulatory activity directed at EWA and the future outlook for EWA. Alan Kaplinsky, Senior Counsel in Ballard Spahr's Consumer Financial Services Group, hosts the conversation.

Two thirds of Americans have less than $1,000 in their savings accounts, and 75% live paycheck to paycheck, a real crisis in terms of what people are experiencing on the front lines of American companies today. Today we speak with a CEO who's out there trying to make a difference in the financial wellbeing of those workers.  Join us for a discussion of hope with Safwan Shah co-founder of PayActiv and author of It's About TIME: How Businesses Can Save the World (One Worker at a Time). ** If you enjoy this podcast, would you consider leaving a review on Apple Podcasts/iTunes? It takes only a few seconds and greatly helps us get our podcast out to a wider audience. Please subscribe on Apple Podcasts / Spotify / Stitcher, or wherever you get your podcasts. For transcripts and show notes, please go to: https://www.theconsciouscapitalists.com Thank you for your support! Timothy & Raj

Sabina Bhatia is the Chief Customer Officer at PayActiv, a financial service that aims to help employees get financial relief between paychecks. As the company's Chief Customer Officer, Sabina is the voice of PayActiv clients and employees. Before becoming part of PayActiv, Sabina learned the tools of the trade from spending 20 years in Wall Street. Sabina joins me today to explain what PayActiv is, how their system works, and how their service improves employees' mental health. She details the concept of Conscious Capitalism and how it came to be. She describes how various industries have become aware of how they affect the environment. Sabina also discusses how the pandemic forced many companies to treat their employees better. “The US is the richest country in the world, and in that country you have a third world country sitting there.” - Sabina Bhatia This week on Insert:Human ●     Who Sabina Bhatia is, her professional experience, and her role today●     Growing awareness within the corporate world●     Conscious Capitalism and its genesis●     Impacting the community the business serves●     Recognizing the zeitgeist as an industry●     The amount of money overdraft fees produce●     How PayActiv was founded and its mission for the people●     Their findings regarding their users and earned wage access●     How the pandemic taught businesses how to treat their employees better●     The best course of action for the listeners who care about improving the world Connect with Sabina Bhatia: ●     PayActiv●     Book: It's About TIME: How Businesses Can Save the World●     PayActiv on Twitter●     Sabina Bhatia on LinkedIn Insert:Human - For a Better Life & Better World Thanks for tuning into this week's episode of Insert:Human. If you enjoyed this episode, please subscribe to the show and leave a review wherever you get your podcasts.  Apple Podcasts | TuneIn | GooglePlay | Stitcher | Spotify Be sure to share your favorite episodes on social media to help me reach more seekers and problem-solvers, like you.  Join me on Twitter, Instagram, and Linkedin. For more exclusive content and to claim your free copy of the first chapter of my upcoming book, Technology is Dead, visit my website.

Sabina Bhatia is an accomplished C-Suite Leader and customer champion tirelessly fighting for the financial wellness of every American worker. As a Chief Customer Officer at Payactiv, she acts as a daily advocate and amplifier for the needs of thousands of corporate clients and millions of lower-income workers.With great passion and focus, Sabina has been instrumental in building the financial category of Earned Wage Access from infancy to mainstream adoption as the most important employee wellness benefit of 2022.Sabina spent 20 years on Wall Street as an analyst restructuring financially stressed companies. She has an undergraduate degree in economics and MBA from Pace University.Sabina believes profit should go hand-in-hand with purpose and is a proud member of the Conscious Capitalism Senior Leadership Network. She is also a mentor for Girls on the Run (a national non-profit organization designed to strengthen social, emotional, physical, and behavioral skills), a certified skydiver, a 5-time marathon runner, and a 2-century bike rider.Sabina's Profilelinkedin.com/in/sabinabhatiaWebsitepayactiv.com  (Company Website)Emaildearsabs@gmail.comTwitterWineEnthusiRebel HR is a podcast for HR professionals and leaders of people who are ready to make some disruption in the world of work.We'll be discussing topics that are disruptive to the world of work and talk about new and different ways to approach solving those problems.Follow Rebel HR Podcast at:www.rebelhumanresources.comhttps://twitter.com/rebelhrguyhttps://www.facebook.com/rebelhrpodcastwww.kyleroed.comhttps://www.linkedin.com/in/kyle-roed/Buzzsprout - Let's get your podcast launched! Start for FREEDisclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the show

Did you know that according to the United Nations that approximately one out of nine people around the world are aided by money sent home from migrant workers? Unfortunately, remittance remains expensive to send. According the United Nations, average cost around the world is around 7% of the amount sent. Central Payments partner Paysend has a turnkey solution for this.    Check out this episode of Fintech Brews & News where our host Trent Sorbe sits down with Jario Riveros, Managing Director for The Americas and Global Head of Strategy Paysend. They discuss how Central Payments helps power Paysend's disruptive, low-cost money transfers from the U.S. to 100+ countries around the world and what the future looks like for Paysend.    Show Notes:   Paysend website - https://paysend.com/ Paysend LinkedIn - https://www.linkedin.com/company/paysend/Jario Riveros LinkedIn - https://www.linkedin.com/in/jairoriveros/ Paysend U.S Customer Base Grows 66% Year Over Year - https://www.central-payments.com/post/paysend-u-s-customer-base-grows-66-year-over-year Central Payments Renews Partnerships with Payactiv and Paysend - https://www.central-payments.com/post/central-payments-renews-partnerships-with-payactiv-and-paysend UN News Source - https://news.un.org/en/story/2019/06/1040581#:~:text=Currently%2C%20about%20one%20billion%20people%20in%20the%20world,family%20members%20who%20have%20migrated%20for%20work.%202.

Ever wonder what financial wellness really means, how it came about or who it impacts the most? On this episode of the HR Scoop, Andrea sits down with Sabina Bhatia, the Chief Customer Officer at Payactiv, and they discuss everything from conscious capitalism to skydiving.

Sabina Bhatia is an accomplished Leader and customer champion tirelessly fighting for the financial wellness of every American worker.  As a Chief Customer Officer at Payactiv, she acts as a daily advocate and amplifier for the needs of thousands of corporate clients and millions of lower-income workers. After 20 years in Wall Street Sabina has been instrumental in building the financial category of Earned Wage Access which is a super interesting concept that we get into in the podcast. Think of hourly wage earners having access to the money they've earned for the hours they just completed the previous day without waiting for a paycheck. Sabina is a member of the Conscious Capitalism Senior Leadership Network.  She is also a MENTOR for Girls on the Run, a certified skydiver, a 5-time marathon runner, and a 2-century bike rider. Pretty sick right? This interview taught me about a category that I didn't even know existed and can be a major catalyst for the solution of a widening gap between the lower-income hourly wage earner and the high-income part of the population. I hope you enjoy the show, also have you subscribed yet? If you enjoy Conscious Profits Unfiltered please show me some love with a little review action and more importantly share it with a friend or on your Insta story or wherever form of support you choose I will be extremely grateful for it.  Thanks, guys and again enjoy the show!  Show notes in order of appearance: Sabina's last oh shit moment Seb reads off several awards that Sabina's company has achieved in the past 5 years. What is the most unconscious or least purpose-driven thing that you did as a young girl or woman? Sabina is on the Conscious Capitalism Senior Leadership program, a mentor for Girls on the Run, a certified skydiver, a 5-time marathon runner, and a 2-century bike rider.  What is gnarlier the marathon or the century bike ride? At what point in your life did you decide that profit should go hand in hand with purpose? Tipping and bad service. Payactive is based on the concept of Earned Wage Access and Sabina has been involved with its expansion since 2012 Sabina explains EWA. Examples of real life users. Real life examples of a company using EWA for its employees. How is the company benefitting? Payactiv is a B Corp. What are the main pillars that have helped you guys become a B Corp? How is a fintech company sustainable? When do you believe that the label Certified B Corporation will become mainstream and will it ever? We are experiencing massive inflation. This is due to money printing and it seems as though the gap between low-income people and households and high-income households is significantly widening. What do you see as the solution to this serious problem? Many people today and especially since the pandemic are experiencing financial stress. They live paycheck to paycheck or one paycheck behind which gets them into debt. What is the #1 thing that you recommend they do first? Sabina shares her top two traits for a conscious leader to embody. Check out payactiv.com and connect with Sabina on LinkedIn  Connect with Sebastian on Instagram SebastianNaum.com  

Did you know that the average interest on a payday loan is 391% and can be higher than 600%? (Source: InCharge.org).Central Payments longtime partner, Payactiv has built a solution to combat this predatory option. Check out this episode of Fintech Brews & News, where our cohosts Trent Sorbe and Nikkee Rhody sit down with Payactiv Co-founder and COO, Ijaz Anwar to discuss how Payactiv's solution is helping consumers improve and maintain their financial wellbeing.

When it comes to financial wellness for employees, it's about more than just a salary or a paycheck. Financial wellness programs are about connecting your employees to all the resources they need. In this episode of PULSE, a Paychex HR podcast, host Rob Parsons is talking with Sabina Bahtia, Chief Customer Officer at PayActiv. Hear what she has to say about the gig workforce, wellness benefits such as on-demand pay, and the need to connect to each of your employees to help their financial well-being and ensure they aren't just living but thriving financially. Topics include: 01:00 – Holistic financial wellness 01:58 – The frontline workforce 03:52 – The state of financial wellness for essential workers 06:22 – The reality of financial stress 10:42 – Employers – more than a transactional relationship 11:53 – On-demand pay 13:37 – The importance of connecting to your workforce 18:22 – Gone are the days of seasonal employees 21:25 – Taking care of your employees Learn more about the benefits of having a financial wellness program at https://www.paychex.com/articles/employee-benefits/how-employee-financial-wellness-program-benefits-small-business. DISCLAIMER: The information presented in this podcast, and that is further provided by the presenter, should not be considered legal or accounting advice, and should not substitute for legal, accounting, or other professional advice in which the facts and circumstances may warrant. We encourage you to consult legal counsel as it pertains to your own unique situation(s) and/or with any specific legal questions you may have.

Did you know? 44% of the American workforce makes less than $20 an hour and are living paycheck to paycheck. Much of that hourly wage employee sector is considered essential workforce to keep our economy humming, as evident in the pandemic triggered shut down and in the current supply chain crisis. For this Compassionate Capitalist Show, Karen Rands is joined by Sabina Bhatia, Chief Customer Officer at PayActiv, to talk about the impact 'financial insecurity and well being' of hourly wage workers have on the profitability and scalability of businesses. Earned Wage Access is rapidly becoming the #1 way for companies to attract and retain their non-salary employees. Understanding HOW high turnover and job vacancies, and how distracted and anxious employees effect quality control and customer experience, is critical for both founders and investors. The soft dollar impact on the financial performance of a company and stagnation of a company to reach their growth targets directly correlates to the ROI of an investment. With great passion and focus, Sabina Bhatia has been instrumental in building the financial category of Earned Wage Access from infancy to mainstream adoption as the most important employee wellness benefit of 2022. As a Chief Customer Officer at Payactiv, she acts as a daily advocate and amplifier for the needs of thousands of corporate clients and millions of lower-income workers. More info at http://payactiv.com Karen Rands, is the leader of the Compassionate Capitalist Movement™ and author of the Best Seller, Inside Secrets to Angel Investing.  She is an authority on creating wealth through investing and building successful businesses that can scale and exit rich. Visit http://kugarand.com to learn how to hire her firm to identify the red flags of deal before you invest or try to raise capital. Watch Youtube: https://youtu.be/03AYl5lLARs

Make IT Green    https://www.prnewswire.co.uk/news-releases/cisco-launches-circular-it-payment-solution-to-support-customer-sustainability-goals-889743846.html Cisco Green Pay  Green initiatives across IT, FinServe, Retail  5% incentive, predictable payments, circular economy certification Lenovo, Dell, HPE, Apple all have Takeback Programs  https://moorinsightsstrategy.com/research-paper-digital-transformation-and-the-circular-economy/   The New Pay Cycle  https://wagestream.com/us/earned-wage-access-for-employees/ Wagestream $175M raise PayActiv, other fintechs offering flexible wage payment. Big companies like Walmart and Mcdonald's are following suit   Acronym of the Week: EWA Earned Wage Access PYMNT and VISA study showed: 79% of surveyed workers are more willing to switch to employers already offering EWA.   The Retail Moment: The Experience Experiment  https://www.morningbrew.com/retail/stories/2022/03/10/a-futuristic-mcdonald-s-in-australia-is-on-the-cutting-edge-of-experiential-retail Prioritizing experiences over just “things”: omnichannel, personalization, community, testing are keys to success   What's Coming Up?  Microsoft Industry Clouds Tour for Analysts Envestnet Advisor Summit    Disclaimer: This show is for information and entertainment purposes only. While we will discuss publicly traded companies on this show. The contents of this show should not be taken as investment advice.

At the start of 2022 64% of the U.S. population was living paycheck to paycheck (Lending Club Report).  Predatory lending practices create an even greater burden on working americans as they need access to their income more quickly. Payactiv is working to close that gap by creating Earned Wage Access. Join us as I talk with Sabina Bhatia, the Chief Customer Officer of Payactiv.See Full Show Notes on ResponsiblyDifferent.comSupport the show (https://responsiblydifferent.com/support/)

Sabina Bhatia is the Chief Customer Officer at PayActiv, a financial service that aims to help employees get financial relief between paychecks. As the company's Chief Customer Officer, Sabina is the voice of PayActiv clients and employees. Before becoming part of PayActiv, Sabina learned the tools of the trade from spending 20 years in Wall Street. Sabina joins me today to explain what PayActiv is, how their system works, and how their service improves employees' mental health. She details the concept of Conscious Capitalism and how it came to be. She describes how various industries have become aware of how they affect the environment. Sabina also discusses how the pandemic forced many companies to treat their employees better. “The US is the richest country in the world, and in that country you have a third world country sitting there.” - Sabina Bhatia   This week on Insert:Human Who Sabina Bhatia is, her professional experience, and her role today Growing awareness within the corporate world Conscious Capitalism and its genesis Impacting the community the business serves Recognizing the zeitgeist as an industry The amount of money overdraft fees produce How PayActiv was founded and its mission for the people Their findings regarding their users and earned wage access How the pandemic taught businesses how to treat their employees better The best course of action for the listeners who care about improving the world Connect with Sabina Bhatia: PayActiv Book: It's About TIME: How Businesses Can Save the World PayActiv on Twitter Sabina Bhatia on LinkedIn Insert:Human - For a Better Life & Better World Thanks for tuning into this week's episode of Insert:Human. If you enjoyed this episode, please subscribe to the show and leave a review wherever you get your podcasts. Apple Podcasts | TuneIn | GooglePlay | Stitcher | Spotify Be sure to share your favorite episodes on social media to help me reach more seekers and problem-solvers, like you. Join me on Twitter, Instagram, and Linkedin. For more exclusive content and to claim your free copy of the first chapter of my upcoming book, Technology is Dead, visit my website.

Sabina Bhatia is the Chief Customer Officer at PayActiv, a financial service that aims to help employees get financial relief between paychecks. As the company's Chief Customer Officer, Sabina is the

On today's episode of the RecruitingDaily Podcast, William Tincup speaks to Sabina Bhatia from Payactiv about sustaining the livelihood of the hourly worker.What's next for many of us is changing. Your company's ability to hire great talent is as important as ever – so you'll be ready for whatever's ahead. Whether you need to scale your team quickly or improve your hiring process, Greenhouse gives you the right technology, know-how and support to take on what's next.

As companies scramble to find hourly-paid workers, what can companies do to attract them? One thing would be to recognize that many of their workers are dealing with considerable financial stress, and that helping them to counter that would be of mutual benefit to workers and company. To talk about that, Linda Nazareth is joined on this episode by Sabina Bhatia, Chief Customer Officer of Payactiv a platform that gives workers ‘Earned Wage Access' or basically the right to get their earnings without a waiting period. The discussion covers how the advantages of making wages more readily available to workers, as well as the broader question of financial stress for workers, and the issues around that. Guest: Sabina Bhatia Chief Customer Officer Payactiv As the Chief Customer Officer Sabina is the ambassador for the voice of Payactiv clients and their employees. Her tenure spans from the early days of Payactiv when the company had less than a hundred clients and has been instrumental in the evolution of Payactiv as the industry leader in Holistic Financial Wellness. With great passion and focus, Sabina advocates for a positive impact on the livelihood of workers with financial wellness tools provided by Payactiv. She...

This week in HR tech: Ceridian, Payactiv launch new earned-wage features, salaries make 'staggering' rise and more in this week's roundup.

This week in HR tech: Ceridian, Payactiv launch new earned-wage features, salaries make 'staggering' rise and more in this week's roundup.

Sign up for my Daily Fintech or Daily Digital Banking Newsletters here. Check out my latest podcast episode below: This podcast episode is sponsored by Provenir. Provenir does more than help with your current tech challenges. They eliminate them. Designed and built to power agility, their cloud-native technology puts your team in control. Loved by Startups. Trusted by Decacorns. THE NEWS HIGHLIGHT OF THE DAY IS The U.S. Justice Department has tapped a seasoned computer crimes prosecutor, Eun Young Choi to lead its new national cryptocurrency enforcement team and announced that the FBI is launching a unit for blockchain analysis and virtual asset seizure. JUST IN: Klarna, a leading global retail bank, payments, and shopping service, announced that its waitlist for the Klarna Card is now open to all US consumers. ALSO: U.S. Bank announced a new solution with Payactiv to bring Earned Wage Access (EWA) to U.S. Bank clients. FURTHERMORE, Bnext will now use the blockchain technology of their investor Algorand, one of the few decentralized platforms exclusively focused on the exchange of capital worldwide, to develop financial products as well as reduce execution times and costs. WHAT ARE THE LATEST INSIGHTS? Nubank, the Brazilian fintech was able to attain an extraordinary market footing due to its business strategy, one which prioritizes growth and client base expansion over profits. The main points of contact between Nubank and its customers are through the company's online chat and customer representatives. Studies have identified that NuBank's virtual representatives do not utilize traditional scripts, but rely instead on the display of authentic, humorous, outgoing, but effective interactions. LET'S HEAR ALL ABOUT MERGERS AND ACQUISITIONS: SoFi Technologies Inc. is buying banking-software maker Technisys SA for about $1.1 billion, the latest in a string of deals designed to transform the lender into a one-stop financial shop. AS FOR PARTNERSHIPS HooYu is partnering with Virgin Money, the full-service digital bank, to implement a new account opening journey for Virgin Money customers. WHAT ABOUT FUNDING ROUNDS AND INVESTMENTS? Tilled, the leading PayFac-as-a-Service provider, announced the close of a funding round, led by G Squared, with participation from existing investors Peterson Ventures and Abstract Ventures. NOW, LET'S COVER NEW LAUNCHES AND FEATURES. GoDaddy continues to make e-commerce and in-person payments faster, easier, and more accessible to small businesses with its latest release of QR codes for on-the-go transactions.

We discuss about PayActiv's products, how it sees the market and where it hopes to go.

We discuss about PayActiv's products, how it sees the market and where it hopes to go.

We discuss about PayActiv's products, how it sees the market and where it hopes to go.

Sabina Bhatia, Chief Customer Officer at Payactiv, was interviewed on Mission Matters Innovation Podcast by Adam Torres. Sabina Bhatia says her mission is to help the millions of Americans living paycheck to paycheck support themselves and their families through prompt access to wages and smart financial tools. Follow Adam on Instagram at https://www.instagram.com/askadamtorres/ for up to date information on book releases and tour schedule.Apply to be interviewed by Adam on our podcast:https://missionmatters.lpages.co/podcastguest/Visit our website:https://missionmatters.com/

Payactiv enables customers to access part of their wages early. We discuss how Payactiv invented Earned Wage Access (EWA) in 2012 and the various ways they are impacting financial wellbeing for their customers.

Novi Connect, a B2B marketplace that helps firms create and manufacture transparent products, has raised $10.3 million in funding. Novi is a data-rich marketplace for transparent sourcing and purchase of ingredients, fragrances, and packaging.Delaget has teamed up with Payactiv, a financial wellness software company. Payactiv and other Delaget partners provide Easy-to-use interfaces to restaurant partners. Delaget's API Partnerships offer access to over 100,000 restaurants, eliminating the need for costly, one-time data integrations. Mavenick Consulting, KlearStack's parent business, has announced a strategic funding round. Intelligent Document Processing (IDP), a KlearStack SaaS platform, delivers AI-driven solutions for processing data from documents and images.Unanet, a SaaS-project-based enterprise resource planning (ERP) and Customer Relationship Management (CRM) provider, has announced its partnership with OpenAsset, a project-based digital asset management solution for Architecture, Engineering, and Construction industries (AEC), to expand its Unanet Connect platform's integration capabilities.Graphy recently launched a $14M Graphy Grant for highly ambitious creators looking to establish their learning communities. Graphy provides a single all-in-one platform to cater to the needs of creators who aspire to grow their audience and monetize their skills.Supabase, a developers' suite creator for repetitive workflows, raised $30 million in a Series A funding round led by Coatue with participation from angel investors.Snyk raised $530M in a Series F round, which valued the company at $8.5B. The company would use the proceeds to fuel its product innovation and development and introduce enhancements to its developer security platform, workflow integrations and improved functionality alongside new features.Affinity raised $80M in a Series C funding round led by Menlo Ventures and others to expand its sales and marketing reach into sectors such as investment banking, private equity, real estate and professional services like accounting, management consulting and law firms.

On this Conscious Capitalists Podcast Rewind we bring you a much loved conversation: Two thirds of Americans have less than $1,000 in their savings accounts, and 75% live paycheck to paycheck, a real crisis in terms of what people are experiencing on the front lines of American companies today. Today we speak with a CEO who's out there trying to make a difference in the financial wellbeing of those workers.  Join us for a discussion of hope with Safwan Shah co-founder of PayActiv and author of It's About TIME: How Businesses Can Save the World (One Worker at a Time). ** If you enjoy this podcast, would you consider rating and leaving us a review? It takes only a few seconds and greatly helps us get our podcast out to a wider audience. Please subscribe on Apple Podcasts / Spotify / Stitcher, or wherever you get your podcasts. For transcripts and show notes, please go to: https://www.theconsciouscapitalists.com (Originally released on April 21, 2021) Thank you for your support!  Timothy & Raj

Two thirds of Americans have less than $1,000 in their savings accounts, and 75% live paycheck to paycheck, a real crisis in terms of what people are experiencing on the front lines of American companies today. Today we speak with a CEO who's out there trying to make a difference in the financial wellbeing of those workers.  Join us for a discussion of hope with Safwan Shah co-founder of PayActiv and author of It's About TIME: How Businesses Can Save the World (One Worker at a Time). ** If you enjoy this podcast, would you consider rating and leaving us a review? It takes only a few seconds and greatly helps us get our podcast out to a wider audience. Please subscribe on Apple Podcasts / Spotify / Stitcher, or wherever you get your podcasts. For transcripts and show notes, please go to: https://www.theconsciouscapitalists.com Thank you for your support!  Timothy & Raj

March is Women’s History Month - and for International Women’s Day, we wanted to hear from women paving the way for the next generation of business leaders: Kranthi Meka and Stacy DiStefano. Along with Sharon, both are members of CHIEF - a network connecting and supporting women leaders. Kranthi’s an SVP at Payactiv, modernizing pay between employers and employees, and Stacy’s the COO at Chimes, and a health and human services veteran. We sat down to talk about not just being a leader today (and influencing change for tomorrow), but their inspirations - and challenges - growing up. What expectations were placed on them. What do they wish they’d known sooner, or done differently? While we’ve come a long way towards EQUITY and equality, it’s clear we’ve still got a lot more work to do. LEARN MORE Stacy DiStefano: linkedin.com/in/stacy-olsen-distefano-347ba337 Kranthi Meka (TW: @kranthimv): linkedin.com/in/kranthimeka MENTIONS Chief.com BOOK (Kranthi): Power of Intention (Wayne Dwyer): goodreads.com/book/show/19793.The_Power_of_Intention BOOK (Stacey): Little Fires Everywhere (Celeste Ng): goodreads.com/book/show/51704136-little-fires-everywhere

PayActiv Works to Get Money to Workers When They Need It The payroll process needs to catch up to the rest of the payments world by becoming real time, according to Safwan Shah, the founder and CEO of Payactiv. The company wants to help workers get money as they need it by providing access to wages they have earned sooner than a traditional two-week or monthly pay cycle would allow. The company does this by working with employers to track how much employees earn and offer the ability to get a percentage of those wages on as needed basis. In this episode we cover how the process works, and how earned wage access is different than other forms of early wage access.

CFPB issues CAS approval for PayActiv's earned wage access products. CFTC and ESMA sign MOU on U.S. DCOs recognized under EMIR. NFA reminds firms of upcoming compliance date to satisfy swaps proficiency requirements. Broker-Dealer settles FINRA charges for recordkeeping and supervisory failures. Firm settles FINRA charges for options position violations. French bank settles OFAC charges for Syrian sanctions violations. Lender settles CFPB charges for unlawful payment terms on loans to military personnel. OFAC amends general license authorizing transactions with certain Venezuelan officials. Brass Tax: IRS Finalizes Carried Interest Regulations.  Effective date set for CFTC cross-border rule changes. SEC updates telework operating status.

Employee Financial Wellness is not a "nice to have." It's a necessity. Learn how to respectfully provide employees their earned wages when they need it and learn financial literacy.  To learn more about PayActiv visit www.PayActiv.com   

The coronavirus pandemic has greatly disrupted many people's cashflow, and made financial management much more stressful. Earned wage access is one way to provide relief to those who still have an income but find themselves financially strained. PaymentsSource senior analyst Michael Moeser talks about earned wage access with Safwan Shah, the founder and CEO of Payactiv, a company that's operated in this space for nearly a decade.

PayActiv is empowering employees by giving them access to their paychecks in a flexible manner. In this episode, Adam Torres and Sabina Bhatia, Chief Customer Officer at PayActiv, explore how PayActiv is helping employers and employees nationwide. Follow Adam on Instagram at https://www.instagram.com/askadamtorres/ for up to date information on book releases and tour schedule.Apply to be interviewed by Adam on our podcast:https://missionmatters.lpages.co/podcastguest/

This episode was produced remotely using the ListenDeck standardized audio production system.     You can subscribe to this podcast and stay up to date on all the stories here on Apple Podcasts, Google Play, Stitcher, Spotify and iHeartRadio.   In this episode the host John Siracusa chats remotely with Safwan Shah, founder and CEO of PayActiv.  PayActiv provides a system for employees to get financial relief between paychecks, by giving them early access to funds from their paycheck.    Tune in and Listen.   Subscribe now on Apple Podcasts, Google , Stitcher, Spotify and iHeartRadio to hear next Tuesdays in-studio interview recorded pre-Covid19 with Peter Maragos from Dash Financial Technologies.   About the host:   John, is the host of the ‘Bank On It’ podcast recorded onsite in Wall Street at OpenFin, and 'Before the A' podcast recorded onsite in Flat Iron at Barclays/Techstars Rise NYC.   He’s a highly sought after fintech, VC and financial services industry enthusiast and connector. He’s in the center of the fintech ecosystem, keeping current with the ever-innovating industry.  Stay in the fintech know by subscribing to ‘Bank On It’, ‘Before the A’  Follow John on LinkedIn, Twitter, Medium

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.  This interview was recorded pre-Covid in-studio.     You can subscribe to this podcast and stay up to date on all the stories here on Apple Podcasts, Google Play, Stitcher, Spotify and iHeartRadio.    In this pre-Covid in-studio recorded episode the host John Siracusa chats with Jason Guss, co-founder and CEO of Octane Lending.   Octane Lending is a point of sale financing platform focused on  the recreational market (motorcycles, ATVs, UTVs, Personal watercrafts, boats, RVs and snowmobiles).  Prior to Octane, Jason built a hedge fund and worked at Capital One.   Tune in and Listen.   Subscribe now on Apple Podcasts, Google , Stitcher, Spotify and iHeartRadio to hear Thursday’s all new remotely recorded episode with Safwan Shah from PayActiv.    About the host:   John, is the host of the ‘Bank On It’ podcast recorded onsite in Wall Street at OpenFin, and 'Before the A' podcast recorded onsite in Flat Iron at Barclays/Techstars Rise NYC.   He’s a highly sought after fintech, VC and financial services industry enthusiast and connector. He’s in the center of the fintech ecosystem, keeping current with the ever-innovating industry.   Founder of the ListenDeck audio production system. Stay in the fintech know by subscribing to ‘Bank On It’, ‘Before the A’  Follow John on LinkedIn, Twitter, Medium

More than half of American workers have seen their hours reduced and, even before the crisis, 78% of workers were living paycheck to paycheck. To help provide relief during this time, PayActiv, the leading provider of employee earned wage and tip access, has waived its fees until further notice to help workers access their earned wages instantly. My guest is Safwan Shah, Co-Founder & CEO, PayActiv.

More than half of American workers have seen their hours reduced and, even before the crisis, 78% of workers were living paycheck to paycheck. To help provide relief during this time, PayActiv, the leading provider of employee earned wage and tip access, has waived its fees until further notice to help workers access their earned wages instantly. My guest is Safwan Shah, Co-Founder & CEO, PayActiv.

How is it that the richest country in the world has a third world in its belly? As PayActiv’s founding CEO, Safwan Shah is inspired every day by the transformative impact that PayActiv can bring to the lives of millions of people living paycheck to paycheck. An engineer by training, payments expert by experience and entrepreneur by accident, Safwan’s last job was at TSYS after the acquisition of Infonox - a payments company he founded and bootstrapped. His previous stints include being a rocket scientist at a NASA Center where a number of his experiments were part of the space program. Besides science and entrepreneurship, Safwan has also taught at Haas School of Business, UC Berkeley and Baskin School of Engineering at UC Santa Cruz. Safwan is a graduate of the distinguished Stanford Executive Program and has a Masters/Ph.D. from UC Boulder. What We Discuss With Safwan Shah In This Episode Why millions of American workers are in financial crisis The positive side of capitalism and where conscious capitalism fits in How changing when people get paid is more fair than our current system Transformation and how your primary assumptions about the issue change everything Sage advice from an accidental entrepreneur who chased purpose rather than passion Episode Transcript Highlights

Heather McGrail leads her family winery, McGrail Vineyards and Winery, in historic Livermore Valley, one of the oldest wine regions in California. She talks about the beautiful region and her winery. Chief People Officer of Career Builder, Michelle Armer, gives advice on how to still find jobs during this time. Adrienne Appell, Senior Director of Strategic Communications, The Toy Association talks about the importance of getting the kids off the couch and engaged in play. Safwan Shah, Co-Founder & CEO, PayActiv, talks about how they can help you get paid quicker.

Much as his company, PayActiv, brought a powerful tide of noble ingenuity to bear on the longstanding problem of Americans living paycheck to paycheck, Safwan Shah’s interview on Influencer Networking Secrets built up to a rolling boil of eagerness to redeem a tradition marked by greed and negligence.   As no employer would seriously consider the prospect of paying two weeks in advance for labor not rendered … why then do American workers accept the prospect of rendering two weeks of labor and waiting to get paid? Well, until PayActiv came along, they didn’t have much choice.   As founder and CEO of PayActiv, Safwan took decades of Silicon Valley technological ingenuity and married it with a profound conscience toward the plight of America’s Third World – its working class underbelly. PayActiv’s $5, pay-as-you-go technology and zero-cost-to-employer relationships sprung a litany of imitators which now beckons the entire free market to pay its frontline employees as quickly as it pays its executives and senior leaders.   Watch the documentary “It’s About Time” HERE:

Corey Blake, CEO of Round Table Companies and a 2x TEDx speaker, joins us for his second rodeo on the Influencer Networking Secrets Podcast to talk about How to Really Create Awareness of a Problem.   Corey’s company created a brilliant 17-minute documentary on behalf of PayActiv, a company that provides provides earned wage access to over a million employees at zero cost to employers. The film itself is a masterful example of bringing attention – but not blame – to a problem that’s been brandied about by politicians for decades, but yielded little to no results.   A former professional actor in Los Angeles, Corey starred in one of the 50 greatest Superbowl commercials of all time. He’s also appeared in memorable TV series like “Buffy the Vampire Slayer” and movies like “Fight Club.” His work with books and graphic novels has yielded 15 independent publishing awards and mentions/features in the NY Times, WSJ, USA Today, Inc., Forbes, Fast Company, and Wired. Corey is also the creator of the Vulnerability Wall and the Vulnerability is SexyTM card game.     Watch the documentary made for PayActiv by Round Table Companies HERE:   https://www.itsabouttimethefilm.com/?fbclid=IwAR0k7W2c0lQnhztF7lkybPay4rpkK2Q1EpKqhsus3Bfv9bj0_fhf9MyWz8Y   Watch Corey’s TEDx Talk on Workplace Vulnerability HERE:

Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

Roughly half the US population lives paycheck to paycheck and throughout the year they often run out of money between these paychecks. So, they resort to payday loans or overdrafts and often pay late fees as well. This costs this population hundreds or even thousands of dollars per year. There is a better solution that […] The post Podcast 214: Safwan Shah of PayActiv appeared first on Lend Academy.

Julie and Torin discuss the "benefit" of employer sponsored pay day advances and loans. Predatory much, Wal-Mart?  Ben Bernanke takes on #MeToo in his new role with the American Economist Association. Bravo, Ben!  PREPARE YOURSELF FOR CRAZY AND THE KING!  Follow us on Facebook: https://www.facebook.com/CrazyAndTheKing More on Torin and Julie: Julie: https://www.linkedin.com/in/juliesowashdisabilitysolutions Torin: https://www.linkedin.com/in/torinellis  Show Links: Pay Day Loans: https://www.wsj.com/articles/some-companies-offer-a-new-benefit-payroll-advances-and-loans-11567416601 AEA: https://associationsnow.com/2019/09/economics-association-bars-hotel-room-interviews/ Hurricane Help:  https://www.forward787.com/ Cred:  Produced by: Julie Sowash Music by: DJCellz  Image by mohamed Hassan from Pixabay 

Should employers really make their employees wait two weeks to get paid? You may not think it’s that important, but imagine if you had less than $400 in your bank account right now. You might start wondering why, in today’s digital age, you have to wait 14 days to get paid for work you did two weeks ago. Well, our guest—a rocket scientist-turned fin-tech-entrepreneur—says there’s no reason employees should have to wait. It’s their money, Safwan Shah says, and they should have access to it on demand. And if they don’t, the employer is essentially using the employee as a source of credit for itself, and at zero interest no less. In addition to founding his own payroll-type company to address this problem—which incidentally recently raised a $20 million Series B round—Safwan wrote a fascinating book on the topic. His company, PayActiv, is now in business with the likes of major employers like Walmart and Uber, helping to fulfil what Safwan calls his life’s mission: to eliminate financial suffering of the neediest.  In this episode, Safwan offers a history of why we have the two-week pay period in the first place, and even gets biblical on us, citing the thoughts of both Moses and Mohammed. Yes, it turns out they both prescribed that employers pay employees for their labor right away. So listen to Safwan drop some ancient and modern knowledge on using timely payroll to help the poorest among us. Discussed in this episode Safwan’s book, It's About TIME: How Businesses Can Save the World (One Worker at a Time) Safwan’s company, PayActiv

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An engineer by training and entrepreneur by accident, Safwan is the Founder and CEO of PayActiv. After selling a previous company and committing to his golf game, Safwan pulled himself out of retirement to launch PayActiv and level the playing field for the financially vulnerable. Safwan's work connects the dots between math, economics, history and music. His first book, It's About TIME: How businesses can save the world (one worker at a time), turns conventional wisdom on its head and calls for businesses to embrace the mantle of saving the world. Website: http://www.payactiv.com Other Site: http://www.itsabouttime.io Video: https://www.youtube.com/watch?v=BF01dG-ikug Check out one of our favorite CEO Hack's Audible. Get your free audiobook and check out more of our favorite CEO Hacks HERE.

We LOVE talking about investing, savings, and of course, stacking Benjamins, but what about when you actually make it to retirement? Do you have a plan for your first day after your last day of work? How about that next month? That next year? We've mentioned it before: retirement isn't the destination, it's a journey, and a milestone on the bigger journey of life. Discussing the "Now, what?" of making it to retirement are our contributors, Derek Merkler from Parsonex Financial Services, Paula Pant from Afford Anything, and OG from our very own Stacking Benjamins. Halfway through the show we'll take a break from our discussion while Joe talks to Safwan Shah, CEO of PayActiv. Minimum wage employees are often hit the hardest with cashflow issues while they're between paychecks. Safwan and his company have set out to provide a solution: real time access to earned income. Safwan will share on just how PayActiv is accomplishing their goals during our Fintech segment. And during our Magnify Money call we'll answer a voicemail from Loretta. Loretta's parents are retired. They have a paid off house and a healthy amount of savings. However, her mom has gotten sick and money has become a bit tighter. Loretta has since realized that 90% of their stock is in one blue chip company. Her parents are hesitant to change. How can Loretta talk to her parents about their finances? Is She worried over nothing? Looking for something deeper than what we give you on the show? Three days a week not enough? Subscribe to our weekly newsletter: The Stacker.

Karen Rands revisits the concept of Conscious Capitalism on her Compassionate Capitalist Radio Podcast, with her special guest Safwan Shah, CEO & Founder of PayActiv, an employer-sponsored financial wellness platform and leader in Timely Earned Wage Access (EWA).  Happier and healthier employees have been proven to enhance the bottom line... "Do well by doing good" has become the mantra of Consciousl Capitalism and Safwan Shah with his company PayActiv is living proof.  Karen and Safwan will talk about his journey, lessons learned and how that led to his success with PayActiv, and how he sees the market response to Conscious Capitalism when we seem to see a growing chasm between the workers and the executives in our corporations.  An engineer by training and entrepreneur by accident, Safwan is the Founder and CEO of PayActiv. A recognized expert in payment systems and technologies. Beyond his success as an Entrepreneur, Safwan is the author of It's About TIME: How Businesses Can Save the World (One Worker at a Time). Safwan's work has been featured in the New York Times, WSJ, the Los Angeles Times, on NPR's All Things Considered, NPR’s Life Kit and more.  Learn more Karen Rands has helped hundreds of entrepreneurs succeed with her coaching and educational programs and unique approach to architecting a capital strategy that aligns with the company's business goals.   Karen has helped thousands of investors learn how to share in the entrepreneur passion with Compassionate Capitalism with her best seller Inside Secrets to Angel Investing.   Learn more at http://karenrands.co 

Karen Rands revisits the concept of Conscious Capitalism on her Compassionate Capitalist Radio Podcast, with her special guest Safwan Shah, CEO & Founder of PayActiv, an employer-sponsored financial wellness platform and leader in Timely Earned Wage Access (EWA).  Happier and healthier employees have been proven to enhance the bottom line... "Do well by doing good" has become the mantra of Consciousl Capitalism and Safwan Shah with his company PayActiv is living proof.  Karen and Safwan will talk about his journey, lessons learned and how that led to his success with PayActiv, and how he sees the market response to Conscious Capitalism when we seem to see a growing chasm between the workers and the executives in our corporations.  An engineer by training and entrepreneur by accident, Safwan is the Founder and CEO of PayActiv. A recognized expert in payment systems and technologies. Beyond his success as an Entrepreneur, Safwan is the author of It's About TIME: How Businesses Can Save the World (One Worker at a Time). Safwan's work has been featured in the New York Times, WSJ, the Los Angeles Times, on NPR's All Things Considered, NPR’s Life Kit and more.  Learn more Karen Rands has helped hundreds of entrepreneurs succeed with her coaching and educational programs and unique approach to architecting a capital strategy that aligns with the company's business goals.   Karen has helped thousands of investors learn how to share in the entrepreneur passion with Compassionate Capitalism with her best seller Inside Secrets to Angel Investing.   Learn more at http://karenrands.co 

The New Payday Lending Alternative: Employer Based Lending Benny Yiu, HoneyBee Safwan Shah, PayActiv Jon Schlossberg, Even Doug Farry, Employee Loan Solutions, LLC Moderator: Leslie Parrish, Aite Group

Today’s episode addresses two different areas in the world of cash as well as a novel and innovative business. We’ll be taking a dive into the employee/employer relationship and the stresses that lead to lead employee discomfort around the topic of cash.   Safwan Shah is the Founder and Ceo of PayActiv, an employer-sponsored financial wellness platform. With a Ph.D. in Aerospace Engineering, Safwan has a unique perspective about the finance industry. His company serves millions of employees worldwide and settles over $1B in timely EWA funds annually.   Safwan is originally from Pakistan and has been in Silicon Valley since the mid-90s, where he stumbled into becoming an entrepreneur. As an engineer, Safwan has had the opportunity to work in several NASA centers throughout his career.   PayActiv started after Safwan noticed a pattern among employers and employees. People work every day, yet they get paid after every two weeks, or after a month. Is there a reason why employees are giving a time loan to their employer? Yet, if you own a store or shop, you pay your vendors and even your landlord in advance, and your customers pay you almost immediately.   For employers, cash flow is often an issue. At a large company, around 50-70% of payroll consists of hourly workers. Before an employer can get up one morning and decide to pay their workers instantly, there is definitely some logistical challenges they must first think through.   What happens when an employee wants early pay or even an early bonus? Employers often get annoyed by these requests because of how time-consuming it is to fulfill. PayActiv helps employers eliminate these painful logistical challenges by creating a seamless way employees can ask for their pay (and receive it) without bothering anyone.   Interview Links: PayActiv.com Safwan on LinkedIn   Resources: Scaling Up for Business Growth Workshop: Take the first step to mastering the Rockefeller Habits by attending one of our workshops. Scaling Up Summits (Select Bill Gallagher as your coach during registration for a discount.) Bill on YouTube

"Engineer by training, payments expert by experience and entrepreneur by accident" Safwan Shah Founder and CEO of PayActiv is interviewed by David Cogan founder of Eliances and host of the Eliances Heroes show broadcast on am and fm network channels, internet radio, and online syndication. www.payactiv.com www.eliances.com 

"Engineer by training, payments expert by experience and entrepreneur by accident" Safwan Shah Founder and CEO of PayActiv is interviewed by David Cogan founder of Eliances and host of the Eliances Heroes show broadcast on am and fm network channels, internet radio, and online syndication. www.payactiv.com www.eliances.com 

POG #1 Payactiv: From Space Engineer to Zero Debt Pioneer Payactiv’s founder, Safwan Shah, had too much time on his hands and decided to forgo his golf in place of questioning how society functions, and what he could offer to the world. In this interview, Shah breaks down how he discovered a need society didn’t know it had, eradicating debt and also removing the shame attached to money (and lack of it). Shah’s combination of observing how people spend – and save – as well as questioning everything, he has produced a company that is not only profitable but is also contributing to employees being able to save and eradicate unnecessary debt.   “Security, dignity and savings is a basic human rights of a working person and employers have the responsibility to understand that.” Safwan Shah In This Episode, We Talked About: (1:23) - Safwan Shah’s 10 year plan to eradicate debt over 90M working people (4:47) – What fintech is all about for low wage income earners (15:45) - His solution to low wage income earners (17:30) – Payactiv’s business model (19:54) – Financial stress from employees impacts the company (20:50) – Employees ability to access on their money and savings (32:15) – Shah sets examples of how time should be spent as a financial wellness (34:38) – How he earned his first customer (36:40) – An alternative way instead of opening a bank account as a requirement (40:11) – Lessons learned to improve more Payactiv’s platform (45:36) – New product rolling out with Payactiv (46:27) – His tips for everyone on how to get out of unnecessary debt (48:15) – Two things that empowering people with security and dignity   That is all for today’s episode. I hope you learned something about saving money and getting out of debt.   For show notes and resources visit: http://pioneersofgood.org/ And, as always, if you want to get in touch with me, email me at: hello@pioneersofgood.org

For episode 52, I did a live podcast interview with Don Peppers, best selling author, keynote speaker and global customer experience expert. Along with his co-Author Martha Rogers, Don has often been credited with having launched the CRM revolution with their very first book, The One to One Future: Building Relationships One Customer at a Time Don is an American marketing futurist, best-selling business author, keynote speaker, and one of the world's authoritative experts on customer experience. He has spoken on customer experience in more than 60 countries on 6 continents, and his books have been translated into 18 languages. He was inducted into the Direct Marketing Association Hall of Fame, along with Seth Godin and Martha Rogers, and in 2015 SatMetrix ranked him as the world's most authoritative expert on customer experience. The Times of London has listed Peppers among their “Top 50 Business Brains,” and Accenture has included him in its global list of the “Top 50 Business Intellectuals.” In the episode we talk about what a good customer experience journey looks like, how to identify points of friction of customers, understanding when to automate and when to add a human connection and how to create a culture of putting your customers first. A big thank you to Jason Lim and the awesome team at the York Butter Factory for setting up the event and interview! Show notes: - Martha Rogers - The One to One Future: Building Relationships One Customer At A Time - Outside In: The Power of Putting Customers At The Centre Of Your Business - Amazon coming to Australia - Swurveys - PayActiv - Michael Mclaughlin - Brett Savill - Grant Greentree - Darcy Naunton - Safwan Shah - CXspeakers.com - York Butter Factory Blog: 50 Lessons from 50 successful founders, investors & experts (Part 1) Blog: 50 Lessons from 50 successful founders, investors & experts (Part 2) Feedback/ connect/ say hello:  Rohit@startupplaybook.co @playbookstartup (Twitter) @rohitbhargava7 (Twitter – Rohit) Rohit Bhargava (LinkedIn) Credits: Intro music credit to Bensound The post Ep052 – Don Peppers (Author) on the One to One Future appeared first on Startup Playbook.

Safwan Shah is the Founder and CEO of PayActiv, software that provides employers with secure infrastructure and tools to increase employee productivity and engagement by reducing employee financial stress. He shares his thoughts on financial stress, employee wellness, and real time access to payroll.