Podcast appearances and mentions of raul vazquez

Dr. Raul Vazquez meets up with Erie County Clerk, Michael Kearns, on WUFOs ‘Catching Up With The Clerk' to talk about the continued importance of getting vaccinated against COVID-19. Their conversation addressed concerns those in our community have been asking about the vaccines available and shared the data gathered that shows the vaccination's effectiveness to date.

Dr. Raul Vazquez meets up with Erie County Clerk, Michael Kearns, on WUFOs ‘Catching Up With The Clerk' to talk about the continued importance of getting vaccinated against COVID-19. Their conversation addressed concerns those in our community have been asking about the vaccines available and shared the data gathered that shows the vaccination's effectiveness to date.

Miguel Armaza sits down with the very genuine Raul Vazquez, CEO of Oportun, a Nasdaq-listed company that provides responsible consumer credit. Founded 15 years ago, Oportun has extended more than 4 million loans and over $10 billion in affordable credit. Raul has been Oportun's CEO since 2012 and previously served as CEO of Walmart.com. Currently, he also serves on the board of Intuit and the National Association for Latino Community Asset Builders. He is also a proud MBA graduate of our very own Wharton School. In this episode, we discuss - Raul's fascinating story and how the oldest son of Mexican immigrants became the CEO of a publicly traded company - Oportun's digital and retail hybrid approach and the importance of being a mission-driven company - The reasons why about 100 million people are not fully served by the US mainstream financial system and what Oportun is doing about it - Reflections of taking Oportun public and a deep dive into their IPO process - The power of compassionate leadership, management lessons, and the hardest business decisions he's had to make. - And a lot more! Raul Vazquez Raul has served as Oportun's chief executive officer and board member since 2012. His past experience includes leadership roles at Walmart, including three years as CEO of Walmart.com, and at high-growth startups. Raul currently serves on the boards of Intuit and the National Association for Latino Community Asset Builders, and he formerly sat on the board at Staples. He has been a member of the Community Advisory Board at the Consumer Financial Protection Bureau and chaired the Federal Reserve's Community Advisory Council. He holds a BS and MS in industrial engineering from Stanford University and an MBA from the Wharton School. In 2018, he was named EY's Entrepreneur of the Year in financial services. Raul celebrates the good and bad, the small and big, with ice cream from Dairy Queen. About Oportun Oportun (Nasdaq: OPRT) is a financial services company that leverages its digital platform to provide responsible consumer credit to hardworking people. Using A.I.-driven models that are built on 15 years of proprietary customer insights and billions of unique data points, Oportun has extended more than 4 million loans and over $10 billion in affordable credit, providing its customers with alternatives to payday and auto title loans. In recognition of its responsibly designed products which help consumers build their credit history, Oportun has been certified as a Community Development Financial Institution (CDFI) since 2009. For more FinTech insights, follow us below: Medium: medium.com/wharton-fintech WFT Twitter: twitter.com/whartonfintech Miguel's Twitter: twitter.com/MiguelArmaza Miguel's Newsletter: https://bit.ly/3jWIpqp

Tim and Nicole speak with GBUACO Data Analyst, Evan Castellani, as well as CEO of G-Health Enterprises, Dr. Raul Vazquez, about how GBUACO has been tracking COVID-19 testing data since March of this year. Here are the links to the GBUAHN COVID-19 test result dashboards:Overall info of GBUAHN COVID 19 testing – https://public.tableau.com/views/GBUAHNCOVIDDashboard/COVIDDashboard?:language=en&:display_count=y&:origin=viz_share_linkGBUAHN COVID 19 test result trend - https://public.tableau.com/views/GBUAHNTrendingCOVIDDashboard/TrendingDashboard?:language=en&:display_count=y&:origin=viz_share_linkAnd here are the links to the UFP COVID-19 test result dashboards:Overall info of UFP COVID 19 testing – https://public.tableau.com/views/UFPCOVIDDashboard/COVIDDashboard?:language=en&:display_count=y&:origin=viz_share_linkUFP COVID 19 test result trend - https://public.tableau.com/views/UFPTrendingCOVIDDashboard/TrendingDashboard?:language=en&:display_count=y&:origin=viz_share_linkOverall info of UFP rapid COVID 19 testing – https://public.tableau.com/views/UFPCOVIDRapidTestDashboard/COVIDDashboard?:language=en&:retry=yes&:display_count=y&:origin=viz_share_linkUFP rapid COVID 19 test result trend - https://public.tableau.com/views/UFPCOVIDRapidTestTrendingDashboard/TrendingDashboard?:language=en&:display_count=y&:origin=viz_share_link

Tim and Nicole speak with GBUACO Data Analyst, Evan Castellani, as well as CEO of G-Health Enterprises, Dr. Raul Vazquez, about how GBUACO has been tracking COVID-19 testing data since March of this year. Here are the links to the GBUAHN COVID-19 test result dashboards:Overall info of GBUAHN COVID 19 testing – https://public.tableau.com/views/GBUAHNCOVIDDashboard/COVIDDashboard?:language=en&:display_count=y&:origin=viz_share_linkGBUAHN COVID 19 test result trend - https://public.tableau.com/views/GBUAHNTrendingCOVIDDashboard/TrendingDashboard?:language=en&:display_count=y&:origin=viz_share_linkAnd here are the links to the UFP COVID-19 test result dashboards:Overall info of UFP COVID 19 testing – https://public.tableau.com/views/UFPCOVIDDashboard/COVIDDashboard?:language=en&:display_count=y&:origin=viz_share_linkUFP COVID 19 test result trend - https://public.tableau.com/views/UFPTrendingCOVIDDashboard/TrendingDashboard?:language=en&:display_count=y&:origin=viz_share_linkOverall info of UFP rapid COVID 19 testing – https://public.tableau.com/views/UFPCOVIDRapidTestDashboard/COVIDDashboard?:language=en&:retry=yes&:display_count=y&:origin=viz_share_linkUFP rapid COVID 19 test result trend - https://public.tableau.com/views/UFPCOVIDRapidTestTrendingDashboard/TrendingDashboard?:language=en&:display_count=y&:origin=viz_share_link

Todd Anderson speaks with Dr. Raul Vazquez about the new Urban Family Practice and Endeavor Mobile Health Clinic.

Todd Anderson speaks with Dr. Raul Vazquez about the new Urban Family Practice and Endeavor Mobile Health Clinic.

Todd Anderson speaks with Dr. Raul Vazquez about the new Urban Family Practice and Endeavor Mobile Health Clinic.

Todd Anderson speaks with Dr. Raul Vazquez about the new Urban Family Practice and Endeavor Mobile Health Clinic.

Keynote speaker at University of Buffalo's 2020 Igniting Hope Conference; Dr. Raul Vazquez, shares his insight on organizing community response efforts in times of a pandemic, restructuring the health care system to better anticipate pandemics, and to never lose hope. This discussion is one of many topics speakers address during the Conference. To listen to other speakers and topics, visit the 2020 Igniting Hope page at: http://www.buffalo.edu/ctsi/ctsi-news/calendar/2020-igniting-hope-conference.html

Keynote speaker at University of Buffalo's 2020 Igniting Hope Conference; Dr. Raul Vazquez, shares his insight on organizing community response efforts in times of a pandemic, restructuring the health care system to better anticipate pandemics, and to never lose hope. This discussion is one of many topics speakers address during the Conference. To listen to other speakers and topics, visit the 2020 Igniting Hope page at: http://www.buffalo.edu/ctsi/ctsi-news/calendar/2020-igniting-hope-conference.html

Keynote speaker at University of Buffalo's 2020 Igniting Hope Conference; Dr. Raul Vazquez, shares his insight on organizing community response efforts in times of a pandemic, restructuring the health care system to better anticipate pandemics, and to never lose hope. This discussion is one of many topics speakers address during the Conference. To listen to other speakers and topics, visit the 2020 Igniting Hope page at: http://www.buffalo.edu/ctsi/ctsi-news/calendar/2020-igniting-hope-conference.html

Keynote speaker at University of Buffalo's 2020 Igniting Hope Conference; Dr. Raul Vazquez, shares his insight on organizing community response efforts in times of a pandemic, restructuring the health care system to better anticipate pandemics, and to never lose hope. This discussion is one of many topics speakers address during the Conference. To listen to other speakers and topics, visit the 2020 Igniting Hope page at: http://www.buffalo.edu/ctsi/ctsi-news/calendar/2020-igniting-hope-conference.html

On Wednesday, August 12, 2020, Dr. Raul Vazquez joined a community conversation hosted by Neighborhood Health Center of WNY which featured community leaders and experts in public health.

On Wednesday, August 12, 2020, Dr. Raul Vazquez joined a community conversation hosted by Neighborhood Health Center of WNY which featured community leaders and experts in public health.

On Wednesday, August 12, 2020, Dr. Raul Vazquez joined a community conversation hosted by Neighborhood Health Center of WNY which featured community leaders and experts in public health.

On Wednesday, August 12, 2020, Dr. Raul Vazquez joined a community conversation hosted by Neighborhood Health Center of WNY which featured community leaders and experts in public health.

Todd Anderson speaks with Dr. Raul Vazquez on the topic of schools reopening during the COVID-19 pandemic.

Todd Anderson speaks with Dr. Raul Vazquez on the topic of schools reopening during the COVID-19 pandemic.

Todd Anderson speaks with Dr. Raul Vazquez on the topic of schools reopening during the COVID-19 pandemic.

Todd Anderson speaks with Dr. Raul Vazquez on the topic of schools reopening during the COVID-19 pandemic.

El día de hoy nuestros invitados Raul Vazquez y Dalton Rodriguez nos platican como es crecer y llegar a ser deportista profesional siendo cachanilla. Síguenos IG: https://www.instagram.com/cultura.686 FB: https://www.facebook.com/Podcast686 Alekxis: @alekxislozano Antonio: @antonio.malave --- Send in a voice message: https://anchor.fm/cultura686/message

Kerry Sanders invites Senator Timothy Kennedy and Dr. Raul Vazquez on his show, ‘A Senior Moment’, to discuss ongoing efforts to combat COVID-19 in the WNY community. This episode includes the importance of testing, how the tests work, how contact tracing can help reduce the spread of the virus, and why having a primary doctor is so important.

Kerry Sanders invites Senator Timothy Kennedy and Dr. Raul Vazquez on his show, ‘A Senior Moment’, to discuss ongoing efforts to combat COVID-19 in the WNY community. This episode includes the importance of testing, how the tests work, how contact tracing can help reduce the spread of the virus, and why having a primary doctor is so important.

Kerry Sanders invites Senator Timothy Kennedy and Dr. Raul Vazquez on his show, ‘A Senior Moment’, to discuss ongoing efforts to combat COVID-19 in the WNY community. This episode includes the importance of testing, how the tests work, how contact tracing can help reduce the spread of the virus, and why having a primary doctor is so important.

Kerry Sanders invites Senator Timothy Kennedy and Dr. Raul Vazquez on his show, ‘A Senior Moment’, to discuss ongoing efforts to combat COVID-19 in the WNY community. This episode includes the importance of testing, how the tests work, how contact tracing can help reduce the spread of the virus, and why having a primary doctor is so important.

WBFO's Avery Schneider interviews Dr. Raul Vazquez who shares how GBUAHN's integrated medical facility is serving thousands of Buffalo-area residents by building a community based around health care.

WBFO's Avery Schneider interviews Dr. Raul Vazquez who shares how GBUAHN's integrated medical facility is serving thousands of Buffalo-area residents by building a community based around health care.

WBFO's Avery Schneider interviews Dr. Raul Vazquez who shares how GBUAHN's integrated medical facility is serving thousands of Buffalo-area residents by building a community based around health care.

WBFO's Avery Schneider interviews Dr. Raul Vazquez who shares how GBUAHN's integrated medical facility is serving thousands of Buffalo-area residents by building a community based around health care.

Kerry Saunders speaks to Dr. Raul Vazquez and Legislator April Baskin about what is being done for the community against the spread of COVID-19 and the importance of wearing face-masks on his show ‘A Senior Moment’.

Kerry Saunders speaks to Dr. Raul Vazquez and Legislator April Baskin about what is being done for the community against the spread of COVID-19 and the importance of wearing face-masks on his show ‘A Senior Moment’.

Kerry Saunders speaks to Dr. Raul Vazquez and Legislator April Baskin about what is being done for the community against the spread of COVID-19 and the importance of wearing face-masks on his show ‘A Senior Moment’.

Kerry Saunders speaks to Dr. Raul Vazquez and Legislator April Baskin about what is being done for the community against the spread of COVID-19 and the importance of wearing face-masks on his show ‘A Senior Moment’.

Dr. Raul Vazquez, G-Health Enterprises, joined a panel of community leaders to discuss how to stay healthy during the COVID-19 pandemic on MCC Health Matters with guest host, Kinzer M. Pointer, Agape Fellowship Baptist Church. Included on the panel were Dr. Willie Underwood, Buffalo Center for Health Equity; Pastor George Nicholas, MDiv, Lincoln Memorial United Methodist Church; Kelly Wofford, ECMC; and Asim Enoch-Johnson, Healthcare Education Project.

Dr. Raul Vazquez, G-Health Enterprises, joined a panel of community leaders to discuss how to stay healthy during the COVID-19 pandemic on MCC Health Matters with guest host, Kinzer M. Pointer, Agape Fellowship Baptist Church. Included on the panel were Dr. Willie Underwood, Buffalo Center for Health Equity; Pastor George Nicholas, MDiv, Lincoln Memorial United Methodist Church; Kelly Wofford, ECMC; and Asim Enoch-Johnson, Healthcare Education Project.

Dr. Raul Vazquez, G-Health Enterprises, joined a panel of community leaders to discuss how to stay healthy during the COVID-19 pandemic on MCC Health Matters with guest host, Kinzer M. Pointer, Agape Fellowship Baptist Church. Included on the panel were Dr. Willie Underwood, Buffalo Center for Health Equity; Pastor George Nicholas, MDiv, Lincoln Memorial United Methodist Church; Kelly Wofford, ECMC; and Asim Enoch-Johnson, Healthcare Education Project.

Dr. Raul Vazquez, G-Health Enterprises, joined a panel of community leaders to discuss how to stay healthy during the COVID-19 pandemic on MCC Health Matters with guest host, Kinzer M. Pointer, Agape Fellowship Baptist Church. Included on the panel were Dr. Willie Underwood, Buffalo Center for Health Equity; Pastor George Nicholas, MDiv, Lincoln Memorial United Methodist Church; Kelly Wofford, ECMC; and Asim Enoch-Johnson, Healthcare Education Project.

¡Saludos Leones y Leonas! Mi nombre es Raul Vazquez y quiero darte la bienvenida a Lion Coaching donde sabemos que Es Posible que logres tus sueños y metas. El simple hecho de estar aquí comenzando esta aventura conmigo, me deja saber que estás list@ para emprender y lograr todo lo que te propongas. Esto y todas las cualidades que sé que tienes, te hacen un/a auténtic@ León/Leona. Mi propósito con Es Posible es que tanto tú como yo podamos aprender, emprender, llenarnos de energía y motivarnos, a través de temas como: Emprendimiento Marca personal Identidad de marca Adminisitración personal Productividad Propósito de vida Sueños Metas En fin, temas que tú le puedas sacar el mayor provecho. Todo esto lo haré compartiendo contigo todas las herramientas, ideas, métodos y estrategias que me han servido para emprender y lograr mis metas y sueños, así como lo que voy aprendiendo en el camino. Podrás escuchar un episodio nuevo de Es Posible todos los lunes a partir de las 5:00 AM comenzando el 25 de marzo de 2019. Recuerda que lo puedes escuchar en el momento que desees. La duración de los episodios variará entre 10min a 30min. En adición, ciertos jueves se publicarán episodios BONOS en los que tendremos invitados/expertos, quienes ampliarán nuestros temas y nos darán 'tips' específicos que nos ayuden a emprender y a mejorar nuestra calidad de vida. Estos episodios serán más largos, durando entre 30min a 1 hora. Si quieres sugerir temas, participar conmigo o hacer alguna pregunta, puedes hacer click AQUI para hacerlo. NUNCA te quedes con dudas, preguntas ni sugerencias. También, puedes dejarme un comentario aquí al final de la página. Estoy agradecido de que escojas compartir este espacio conmigo. Ya estás "ready" para emprender y lograr todo lo que quieras. Siempre recuerda que todo lo que necesitas está en ti. Así que como un auténtico León, ruge para reclamar tu espacio y posiciónate como líder en todas las áreas de tu vida. *Si deseas ver qué equipo de grabación utilizo, puedes ver mis Recomendaciones y visitar mi página: LionCoachingPR.com

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

The CFPB estimates there are 45 million adults in the US today who have little or no credit history. Consequently, these people are terribly underserved by traditional finance. But some companies are making inroads into this market and are doing so profitably. My guest on Episode 101 of the Lend Academy Podcast is Raul Vazquez, […] The post Podcast 101: Raul Vazquez of Oportun appeared first on Lend Academy.

The CFPB estimates there are 45 million adults in the US today who have little or no credit history. Consequently, these people are terribly underserved by traditional finance. But some companies are making inroads into this market and are doing so profitably. My guest on Episode 101 of the Lend Academy Podcast is Raul Vazquez, […] The post Podcast 101: Raul Vazquez of Oportun appeared first on Lend Academy.

In addition to our podcast, please take a look at Raul's keynote at the EMERGE Forum. I am constantly amazed by the fascinating and unpredictable course of our conversations on Barefoot Innovation - and what a fun one I had with Raul Vazquez, CEO of Oportun. I always like to ask my guests to tell us how they, themselves, keep up with technology. With Raul, I asked this just as I thought we were wrapping up, and the question launched us on a whole new conversation. He's definitely my first guest to bring up potential uses of virtual reality in financial services, not to mention the first to describe virtually interacting with bison.  He thinks we're heading to a "transformative" ability for "anyone, regardless of their incomes" to be able to immerse themselves in a virtual world to try out products and experiences. As sometimes happens as I get to know great innovators, this is a second podcast with the same company -- click here to listen to our prior discussion with Luz Urrutia, Global Head of Retail. Oportun is based in Silicon Valley and was formerly called Progresso Financiero. It leverages advanced data analytics and technology to provide affordable, credit-building loans to U.S. Hispanics and others with limited or no credit history. The company's proprietary platform risk-scores loan applicants, calculates each one's ability to repay, approves the loans it believes can be paid back, and sets loan amounts and terms to fit individual budgets. Customer accounts are also reported to credit bureaus to help establish credit history. The goal is to combine a highly personal experience with back-office efficiency. Between 2006 and 2015, Oportun helped more than 689,000 customers, disbursing more than $2.2 billion through more than 1.3 million small dollar loans. Raul joined Oportun in 2012 after nine years in senior leadership roles at Walmart, including as EVP and President of Walmart West, President and CEO of Walmart.com, and EVP of Global eCommerce for developed markets. He also serves on the Board of Directors of Staples, Inc. and is a member of the Federal Reserve Board's Community Advisory Council. He's a graduate of Stanford University with BS and MS degrees in industrial engineering, and also earned an MBA at the University of Pennsylvania. This is one of those fun episodes where we could have kept talking for hours if we hadn't run out of time. So...enjoy my conversation with Raul Vazquez! To learn more about Oportun Financial, click here. Click here to Opor-tune in to Raul's presentation at last year's EMERGE conference about Oportun's four key learnings so far. To register for this year's indispensable Emerge in June in New Orleans, click here. And here's my favorite Wired article on voice technology: "We're on the Brink of a Revolution in Crazy-Smart Digital Assistants" A note on the podcasts - A buck a show! I've decided to distill a lesson from the popular podcast series Hardcore History, by emulating their habit of asking everyone to send them "a buck a show." Some years ago, the show's host Dan Carlin realized the podcast was taking over his life - much as Barefoot Innovatoin has been doing with mine! He hit on the idea of asking listeners for "a buck a show," and eventually reached the point where he can devote himself to producing the series. Barefoot Innovation is produced part-time by me and two young, very talented helpers. One of them has a day job and the other is a full-time graduate student. If all our listeners will chip in a buck a show, we'll be able to expand our interviews, accelerate our pace (believe it or not, we currently run at a four- to five-month backlog from recording date to posting!), and be able to do some fun new things we have in mind for you. We'll appreciate any and all help to keep the show going, and growing! And remember to post a review on ITunes. Support the Podcast A note on my Regulation Innovation videos and the most important writing I've ever done Also click here to watch the new Regulation Innovation videos we've posted and read the new articles. These are currently a free sample but will soon become limited to subscribers. Every month, I'm creating a short video briefing and then backing it up with a deep article that shares what I've been learning about financial innovation, and also shares my hard-earned secrets about how I've been learning it. The articles are rich with links to resources -- everything from news reports and white papers to statistical trends to my very favorite Ted Talks. My goal is to use this pairing of videos and deep articles to repackage my consulting advice, so it can reach a wide audience affordably. In essence, I'm searching the fintech world and curating the best insights for you. As a series, it's a journey through this changing landscape, finding the keys to thriving on disruption with me as your guide. I've done a huge amount of writing over the years - I've published hundreds of articles. These are the most important, valuable writings I've ever done. Again, these are currently free - I hope everyone will try them out.   Upcoming shows We have terrific shows come up - the amazing Blythe Masters, the very innovative founders of Bee, and much more.  Join me then! Subscribe To Our Mailing LIst Sign up with your email address to receive news and updates. Email Address Sign Up We respect your privacy. Thank you!

Welcome to Barefoot Innovation and to a new dimension in the topics we explore. We've talked with many startups in lending, payments, and managing personal finance. Today, we're looking at the most exciting change underway in the investment space - "robo-investing." My guest is Jon Stein, the founder and CEO of Betterment. We met in their fast-growing offices in New York, a converted warehouse steeped in industrial character and with mouth-watering aromas wafting from a very substantial food bar that lined one end of the busy open space, and offering the special charm unique to businesses where people bring their dogs to work. In our conversations, Jon told me the story of his personal journey. He graduated from Harvard and - since, as he says, no one was recruiting for jobs with the description of "making people happy" - went into finance. Eventually he went on to Columbia Business School, gained Series 7, 24, 63 certifications, and become a CFA, Chartered Financial Analyst. He expresses respect for traditional financial businesses, but became frustrated by their transactional focus, and also by his own financial life - he had 7 brokerage accounts, invested in Enron, and finally concluded that the industry encourages the wrong investor behaviors, especially in trying to "beat the market." He'd studied both economics and human behavior in college (before behavioral economics caught on) and realized that his interests lie at the intersection of behavior, psychology, and economics. He remembers a professor saying "how crazy people can be, and how very often they would get in their own way, and how even when we wanted to do the right thing, we would do the wrong thing." He also says he always knew he wanted to do "something big." So in 2008, he founded Betterment. Betterment is now the largest independent "robo-advisor," with $4.3 billion in assets under management and 150,000 customers. I've interviewed many founders of startups on Barefoot Innovation, but this is the first one that runs commercials on television. Betterment aims to optimize investment through automation that produces sound advice for the long term, and that also makes the process both easy and more affordable. It builds around what Jon considers the MOST important advice -- which is too often overlooked, namely -- "How much to save?" The company has also taken on the "behavior gap" in financial advice - Betterment has the lowest in the industry and is trying to drive it to zero. They are also constantly driving for efficiency gains (his colleagues say if you want to sell Jon on an idea just tell him it will increase efficiency), and for fee transparency. They think this combination of strengths - being advice-centric, transparent, and hyper-efficient -- will revolutionize the investment world. They also think their model, over time, can be applied to a much broader set of financial services. As Jon's biography puts it, "What excites him most about his work is making everyday activities and products more efficient, accessible, and easy to use." One highlight of our conversation is his insights on the thorny questions of how these innovations should be regulated, including on the advice given, how data should be used to be sure it's helping customers, and how performance should be measured.   Note on upcoming podcasts Click below to donate your "buck a show" to keep Barefoot Innovation going and growing. (If you didn't hear my explanation on this, it's at the end of the previous episode, with Raul Vazquez of Oportun). Support the Podcast Upcoming shows are going to be so interesting. Keying off Jon Stein's thinking on human behavior, we'll have an episode with one of America's top experts in how behavioral economics impacts investment and retirement savings, Harvard Professor Brigitte Madrian. I'm delighted to say Brigitte is also my faculty advisor on the book I'm writing on financial innovation and regulation for my Harvard fellowship this year. We're also working on a fascinating show on innovation emerging in the insurance sector, dubbed, "insure-tech." Other guests in the queue include some of the country's most thoughtful bank compliance officers, and the very thoughtful founders of Bee. Note on Regulation Innovation Briefing Series Meanwhile, click here to explore my Regulation Innovation briefings, while you still can for free!  The briefings are short monthly videos, each paired with a deep article about the twin and intertwined challenges of financial innovation and regulation. They are still free for a few more weeks, and then the series will be for subscribers, so please check it out. As I said last time, these articles are the most important and valuable thing I've ever written. I hope you'll join the journey. Subscribe to Our Mailing LIst Sign up with your email address to receive news and updates. Email Address Sign Up We respect your privacy. Thank you!

In 1967, the Beatles sang: "I get by with a little help from my friends." That sentiment captures something at the heart of many people's financial lives today, and it embodies the idea behind the National Foundation for Credit Counseling (NFCC), the oldest and largest nonprofit credit counseling organization in the U.S. I have known Susan Keating, NFCC's President and CEO, for about 30 years. I've been wanting to record a Barefoot Innovation episode with her, because the NFCC is on the front lines of the topics we're exploring here. They work directly, personally, with the people who are not thriving in our consumer financial system. The reasons people don't thrive are complex. We've talked about a lot of them, and I find it's easy to get excited about new technologies or regulatory challenges impacting them, and to lose sight of the real people who are immersed in these struggles. Helping these people is the driver behind much of the search for better solutions by industry, government, and the innovation world, and it's good to pause and think about who they are. As we discussed with CFSI's CEO Jennifer Tescher LINK TO IT, the so-called "underserved" market is enormous -- estimated between 70 and 140 million Americans -- and covers a huge percentage of the middle class. It is also heterogeneous. Data from NFCC, CFSI and others is breaking the old stereotype of a monolithic "low and moderate income" category whose problem is just not being able to afford traditional financial services.  Many underserved consumers, in fact, can afford to pay for high-cost financial services, and are doing so, but are stuck there due to a wide array of issues. Some of their problems are caused by their own errors and difficulties. Some are caused by the difficulties of serving them through the business models and cost structures that prevail in the industry today. Some are a mix of both. Both of these kinds of problems are ripe for improvement today, thanks to the innovations we discuss here on this show. I think, though, that we'll still have a big gap between new financial solutions and the people who need them, unless we build some bridges -- add in some glue -- in the form of human beings who can help people learn to use new technology. NFCC is one of the key organizations able to do this. Susan talks about all this in our conversation. She describes the massive scope of the challenge; the "new face of poverty" in the United States; the NFCC's focus on "breadwinner moms;" and its key new initiative for helping people manage student debt, with a insight into the daunting scope of that challenge. Susan's background: Susan began her banking career in 1974 at First Bank System in Milwaukee, where she became Senior Vice President of retail banking. In 1988 she joined MNC Financial in Maryland and later became President and senior banking executive for Maryland when NationsBank (Bank of America) acquired MNC in 1993. She went on to become the highest-ranking female CEO of a US-bank holding company, as President and Chief Executive of All First Financial from 2000-2002. Then in 2002, she was appointed to the Group Executive Committee of AIB (Allied Irish Banks plc), which is responsible for developing corporate strategy and overseeing management of AIB Group. In 2004 she took on the role of NFCC President. She thought is was a short term move but, to her own surprise, she's still there twelve years later, caught up in the mission. Upon reappointment after her first three-year term, she said, "The NFCC is uniquely positioned to serve the many consumers who are struggling to make ends meet and find their way to a better financial future. I am deeply committed to doing all that I can in order to lead the efforts in the years ahead." Susan also serves on Bank of America's National Consumer Advisory Council; is a board member of the Council on Accreditation; and participates in the Financial Regulation Reform Collaborative, a non-partisan group committed to finding solutions for reforming financial services regulation. NFCC: Last fall I had the honor of joining the NFCC's board on the occasion of the organization's 50th birthday. Today the NFCC works with 90 member agencies through more than 750 offices in communities nationwide. Its certified counselors counsel and provide financial education to three million clients annually, focusing on issues that include seniors and the military and guidance relating to financial literacy, mortgages, and credit cards. It recently launched a key initiative on helping people with student debt, and in helping illuminate that magnitude of that challenge, and plays an invaluable role in consumer financial research overall. Here are some links: 2015 Consumer Financial Literacy Survey 2015 State of the Financial Counseling and Education Sector Student Credit Counseling initiative  Enjoy my conversation with someone on the front lines -- NFCC's CEO Susan Keating. And please note: The video series is launched!  Please come to my new site www.RegulationInnovation.com  where we have launched my video briefing show. It's a practical guide for financial companies trying to figure out how to thrive on disruption-to thrive through the twin, intertwined challenges of technology disruption and regulatory disruption. We're off to a terrific start with the series. The next video will be called, "The 5 Tech Trends." I made it because I think financial people often underestimate the disruption underway, because we tend to think of fintech as a financial topic. In reality, it's mainly a technology topic. That means the forces shaping it lie mainly in the tech world, not the financial world. That in turn means they are mostly over the horizon, outside the field of vision of busy people focusing on finance. I've been spending a lot of time in that world, and am creating this video to explain what these five huge drivers are, how they are converging, and how they will transform both consumer financial services and financial regulation. Again, fintech is way more about "tech" than "fin." I'll also have a light-hearted short video for your entertainment, brought to you from my very own kitchen. I'm going to demonstrate an extremely odd little gadget that contains a big lesson for innovators. Coming episodes: Last but not least, come back next time to Barefoot Innovation, when my guest will be the visionary CEO of Opportun, Raul Vazquez. Among other things, he is totally fascinating on the topic of how he personally keeps up with technology. Up next in the queue after Raul, we'll have a short update with Simple CEO Josh Reich, and then an interview with the founder and CEO of Betterment, Jon Stein. See you soon! As always, please donate to my free podcast series (which seems to be trying to take over my life) and please write a review of it on ITunes! Support the Podcast Subscribe to Our Mailing List Be sure sign up for email notifications on the videos and podcasts and major blog posts if you haven'tdone so yet, at jsbarefoot.com. Email Address Sign Up We respect your privacy. Thank you!

Of the 371 board seats that opened up last year (within Fortune 500 companies that is), 39% ended up going to first-time board members. So how did they pull it off? What are some strategies for landing your first board seat -- especially if you don't fit the typical 'profile' of the other board members? And why do it? In this segment of the a16z Podcast, three veteran executives and board members share their experiences and offer advice about building better public company boards: Shellye Archambeau, who sits on the Nordstrom and Verizon boards; Gerri Elliott, a board member at Whirlpool, Bed Bath and Beyond, and Charlotte Russe; and Raul Vazquez, a Staples board member.

Entrevista al Dr.Raul Vazquez desde el IPVS en Cancun