Podcasts about remittances

OPINION: The remittance trap – building an economy of exit | June 10, 2026Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribe Visit our website at https://www.manilatimes.net Follow us: Facebook - https://tmt.ph/facebook Instagram - https://tmt.ph/instagram Twitter - https://tmt.ph/twitter DailyMotion - https://tmt.ph/dailymotion Subscribe to our Digital Edition - https://tmt.ph/digital Check out our Podcasts: Spotify - https://tmt.ph/spotify Apple Podcasts - https://tmt.ph/applepodcasts Amazon Music - https://tmt.ph/amazonmusic Deezer: https://tmt.ph/deezer Stitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimes#KeepUpWithTheTimes Hosted on Acast. See acast.com/privacy for more information.

As Middle East tensions drag on, Herald sits down with Asia Economist Ines Lam to discuss how a slowdown in non-oil industries is affecting Asian households half a world away.Click here for appropriate Disclosures, including analyst certifications, and Disclaimers that must be viewed with this podcast: https://www.research.hsbc.com/R/101/c7QQWwfStay connected and access free to view reports and videos from HSBC Global Investment Research, just search for #HSBCResearch on LinkedIn or click here: https://www.gbm.hsbc.com/insights/global-research

In this episode of the Finovate Podcast, host Greg Palmer sits down with Jensen Coonradt (CEO) and Simmi Sen (Chief Product Officer), the co-founders of Crebit, fresh off their Best of Show win at FinovateSpring 2026 in San Diego. Jensen and Simmi share their remarkable journey from high school friends meeting at a Bank of America scholarship program to leaving college to pursue Crebit full-time. Jensen brings his impressive background as a top 50 hacker globally and FX trading competition winner, while Simmi contributes her expertise in design and mobile app development, including an Apple WWDC award-winning app. Their complementary skills and shared passion for solving real-world financial problems have positioned Crebit as an innovative force in the cross-border payments space.Crebit is revolutionizing international money transfers by leveraging stablecoin technology to make sending money across borders as simple as sending a text message. The platform operates on a "stablecoin sandwich" method, allowing users to on-ramp funds using local payment methods (like PIX in Brazil, ACH in the US, or BRIBI in Colombia) to USDC stablecoin, which then settles to virtually any currency worldwide within 15 minutes. What sets Crebit apart is their behind-the-scenes approach—users experience seamless fiat-in, fiat-out transactions without needing to be crypto-native, while benefiting from up to 90% cost savings and dramatically faster settlement times compared to traditional cross-border payments. Additionally, Crebit offers innovative rate-locking features through forwards and options for emerging market currencies in LATAM, Africa, and Southeast Asia, where traditional banks struggle to provide such services due to illiquidity.The co-founders discuss their strategic focus on credit unions, a partnership opportunity that emerged from their attendance at FinovateFall 2025, where they connected with institutions like the University of Michigan Credit Union. They recognized that credit unions' member-focused philosophy aligns perfectly with Crebit's mission to serve international students and immigrants who need to convert currency for tuition payments and other expenses. With the recent passage of the Genius Act—the first federal law recognizing stablecoins as regulated money—Crebit is well-positioned to help credit unions and other financial institutions develop their stablecoin strategies. The company is currently piloting solutions with multiple credit unions and expanding their currency coverage while also maintaining their direct-to-consumer platform that originally helped international students with tuition and rent payments.More info:Crebit: https://www.crebitpay.com/; https://www.linkedin.com/company/crebit-pay/Jensen Coonradt: https://www.linkedin.com/in/jcoonradt/Simmi Sen: https://www.linkedin.com/in/simmi-sen/Greg Palmer: https://www.linkedin.com/in/gregbpalmer/Finovate: https://www.finovate.com; https://www.linkedin.com/company/finovate-conference-series/FinovateSpring: https://informaconnect.com/finovatespring/#Finovate #FinovateSpring #Banking #banks #creditunions #FX #remittance #stablecoins #payments #cx #digitaladoption #podcast #fintechpodcast #financialservices #innovation #digitraltransformation #fintech #finserv #modernization

Every year, Filipino workers abroad send over $35 billion back home to support their families.But a significant portion, sometimes up to 14% is lost to remittance fees.In this episode, Kengo Shoda (Founder, Stablecoin Club) shares insights into how stablecoins could offer a more efficient alternative for cross-border payments.He discusses a Philippine peso stablecoin initiative aimed at reducing costs, improving transaction speed, and expanding financial access for families in the Philippines.Beyond that, the conversation explores the broader role of stablecoins including developments like JPYR and how blockchain technology could reshape global payments.In this episode:- The scale of remittances from Overseas Filipino Workers (OFWs)- Why fees can reach up to 14%- How stablecoins could lower costs and increase efficiency- The vision behind a peso-backed stablecoin- The future of cross-border paymentsHost: Matthew Owens | Bitcoin.com News

The Governor of the Bank of Ghana, Dr Johnson Asiama, has revealed that the country received nearly $7.8 billion in remittance inflows by the end of 2025, underscoring the increasing role of diaspora contributions in the national economy.

Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribe Visit our website at https://www.manilatimes.net Follow us: Facebook - https://tmt.ph/facebook Instagram - https://tmt.ph/instagram Twitter - https://tmt.ph/twitter DailyMotion - https://tmt.ph/dailymotion Subscribe to our Digital Edition - https://tmt.ph/digital Check out our Podcasts: Spotify - https://tmt.ph/spotify Apple Podcasts - https://tmt.ph/applepodcasts Amazon Music - https://tmt.ph/amazonmusic Deezer: https://tmt.ph/deezer Stitcher: https://tmt.ph/stitcher Tune In: https://tmt.ph/tunein #TheManilaTimes #KeepUpWithTheTimes Hosted on Acast. See acast.com/privacy for more information.

Episode 219 with Mehrdad Ehsani, Vice President for Africa at The Rockefeller Foundation, a global institution working at the intersection of food systems, economic development, and climate resilience to improve livelihoods around the world. Mehrdad leads the Foundation's work across Africa, focusing on building scalable systems that drive long term economic growth, agricultural transformation, and human capital development.In this episode, we explore the launch of the US$80 million School Meals Accelerator, developed in partnership with the World Food Programme, the German Government, and the Novo Nordisk Foundation. This initiative aims to help governments reach an additional 100 million children with nutritious school meals, while strengthening national food systems, supporting local agriculture, and improving education outcomes.Mehrdad breaks down why school meals are rapidly emerging as one of the most powerful and overlooked economic tools in Africa. From creating stable demand for smallholder farmers to unlocking rural market growth and strengthening domestic value chains, he explains how school feeding programmes can move beyond social support and become a core driver of economic transformation.We also examine how governments can integrate school meals into national development strategies, the shift from donor led models to country led systems, and how this approach is reshaping the future of international development.What We Discuss With MehrdadWhy school meals are becoming a powerful driver of economic growth, agricultural productivity, and human capital development in AfricaHow school feeding programmes can evolve into national economic infrastructure that supports food systems, labour productivity, and long term competitivenessThe shift from donor led development to country led systems and what this means for governments, investors, and development partnersHow school meals can be used to build climate resilient food systems and strengthen local agricultural value chainsWhy policymakers, investors, and business leaders should view school meals as a strategic economic lever rather than a social programmeDid you miss my previous episode where I discuss How Crypto and Regulation Are Reshaping Africa's Financial System: Payments, Remittances and Digital Assets? Make sure to check it out!Connect with Terser:LinkedIn - Terser AdamuInstagram - unlockingafricaTwitter (X) - @TerserAdamuConnect with Mehrdad:LinkedIn - Mehrdad Ehsani or The Rockefeller FoundationMany of the businesses unlocking opportunities in Africa don't do it alone. If you'd like strategic support on entering or expanding across African markets, reach out to our partners ETK Group:www.etkgroup.co.ukinfo@etkgroup.co.uk

At the Computer History Museum in the heart of Silicon Valley, people gathered recently at the African Diaspora Investment Symposium to talk about the future of Africa business.在硅谷中心的计算机历史博物馆，人们最近齐聚非洲侨民投资研讨会，探讨非洲商业的未来。In the past, many Africans and especially people like me from the diaspora were not invited to the table to really discuss on issues that mattered for the continent.过去，许多非洲人，尤其是像我这样旅居海外的非洲人，没有被邀请参与真正讨论对非洲大陆至关重要的问题。So we said, well, what if we can just bring everyone together so we can have that discussion at the same table?我们就想，如果我们能把所有人聚到一起，让大家围坐一桌进行讨论，会怎么样呢？Remittances, money set by people living in the U.S. to family in Africa, has long been a key way to support the continent, speaker said.发言人表示，汇款，即居住在美国的人寄给非洲家人的钱，长期以来一直是支持非洲大陆的关键方式。But Negash and others said there are other uses of diaspora funds.但内加什和其他人表示，侨民资金还有其他用途。How do we scale remittances, so that it can also be invested in other people than our family, supporting startups?我们如何扩大汇款规模，以便除了资助自己的家人之外，还能将其投资于其他人，支持初创企业呢？While many investors and businesses want to come to Africa, it can be a challenge to navigate, which is why African nations have been working on the African continent of free trade area, said Joseph Mucheru, Google's first Sub-Saharan African lead and our minister in the Kenya government.谷歌首位撒哈拉以南非洲地区负责人、肯尼亚政府部长约瑟夫·穆切鲁表示，虽然许多投资者和企业希望来到非洲，但在这里开展业务可能是一项挑战，这就是为什么非洲国家一直在推进非洲大陆自由贸易区建设。How do they with the different regulations, different countries be able to get into the continent? So we are providing the platform that they can now use.他们如何应对不同的规定，不同国家的人怎样才能进入这个大陆呢？所以我们正在提供他们现在可以使用的平台。They come, and as part of the continental free-trade area, they are able to then go to many of the other different markets.他们来了后，作为非洲大陆自由贸易区的一部分，他们随后能够进入许多其他不同的市场。For the roughly 50 African entrepreneurs attending the event, this was an opportunity to pitch their businesses.对于参加活动的约50名非洲企业家来说，这是一个推介他们企业的机会。Aboubacar Komara, an architect from Guinea, is working on a housing startup.来自几内亚的建筑师Aboubacar Komara正在为一家住房初创公司工作。We're implicating people in the process of actually building their homes, you know.我们实际上是在让人们参与建造自己家园的过程中。We want to change the concept of what is architecture because architecture has a lot to do with your identity.我们想改变建筑的概念，因为建筑与你的身份认同有很大关系。Neile Nkholise is the chief executive of a sports technology company in South Africa.Neile Nkholise是南非一家体育科技公司的首席执行官。We have a smart wearable that are sewn into the garments around the joint ankles of the athletes' garments.我们有一款智能可穿戴设备，被缝制在运动员服装的脚踝关节周围。Barbara Birungi Mutabazi runs Uganda Women In Technology, which trains female students and young women for technology jobs like coding.芭芭拉·比伦吉·穆塔巴齐运营着乌干达女性科技组织，该组织为女学生和年轻女性提供编程等科技类工作的培训。Yeah, I made some really good connections especially in terms of funding, fundraising. And I'm proud to be a second generation family business leader.我建立了一些非常好的人脉关系，尤其是在资金筹集方面。我很自豪能成为家族企业的第二代领导者。For many of the attendees, the event was a welcome chance to talk about Africa's successes.对许多与会者来说，这次活动是一个谈论非洲成就的好机会。Thelma Ekiyor runs a Nigeria-based business accelerator and an investment fund for women-run businesses.塞尔玛·埃基约尔经营着一家总部位于尼日利亚的商业加速器，以及一个面向女性经营企业的投资基金。"I think one of the problems that Africans had for years is we tend not to talk about the progress and the developments that are happening on the continent,我认为非洲人多年来面临的一个问题是，我们往往不去谈论这片大陆上正在发生的进步和发展。So it's been a pleasure to come here and share with people that live here in the valley about the work that we're doing.很高兴能来到这里，和在硅谷生活的人们分享我们正在做的工作。The connections made at this event can be long lasting as people look for ways to be part of the burgeoning African business sector. 由于人们在寻找融入蓬勃发展的非洲商业领域的途径，在此次活动中建立的人脉关系可能会持续很久。

Episode 218 with Ayotunde Alabi, CEO of Luno Nigeria, one of Africa's leading cryptocurrency platforms. Ayotunde brings over a decade of experience across finance and technology, with leadership roles at Spektra, ARM HoldCo, FBNQuest and Heritage Bank. As a SEC Sponsored Individual with certifications from the Chartered Institute of Stockbrokers in Nigeria and the Chartered Institute for Securities and Investment in the United Kingdom, he sits at the intersection of traditional finance, fintech, and digital assets.In this episode, we explore how cryptocurrency, fintech, and regulation are transforming Africa's financial system in 2026. With new tax regimes, increased regulatory scrutiny, and rising capital requirements, Ayotunde explains why this moment represents a major turning point for digital assets across the continent. He breaks down Nigeria's landmark decision to classify cryptocurrencies as financial securities and what this means for crypto adoption, fintech innovation, and investor confidence.We also examine the global forces shaping Africa's financial future, including the introduction of a new 1% United States remittance tax and its implications for cross border payments, remittances, and financial inclusion.From a strategy and product perspective, we explore how Luno is positioning itself as a key player in Africa's digital asset ecosystem. From crypto staking and tokenised stocks to integrating cryptocurrency into mainstream banking.What We Discuss With AyotundeAfrica's financial system in 2026 and why crypto regulation is a turning point for fintech and digital assetsNigeria's cryptocurrency tax framework and what it means for investors, startups, and financial institutionsThe rise of capital requirements and how regulation could reshape competition in Africa's crypto and fintech ecosystemThe impact of the United States 1 percent remittance tax on cross border payments and digital financeHow crypto, blockchain, and digital assets are evolving from speculation into infrastructure for trade, remittances, and capital formationDid you miss my previous episode where I discuss How Africa Can Own AI: From Talent to Infrastructure to Global Competitiveness? Make sure to check it out!Connect with Terser:LinkedIn - Terser AdamuInstagram - unlockingafricaTwitter (X) - @TerserAdamuConnect with Ayotunde:LinkedIn - Ayotunde AlabiWebsite - www.gebeya.comMany of the businesses unlocking opportunities in Africa don't do it alone. If you'd like strategic support on entering or expanding across African markets, reach out to our partners ETK Group:www.etkgroup.co.ukinfo@etkgroup.co.uk

In 1955, a man from a small village in Kerala paid 500 rupees for passage on a crowded boat to Abu Dhabi. He told no one he was leaving. He wasn't the first, and he certainly wasn't the last. Over the decades, millions followed  — and the money they sent back quietly rebuilt everything: houses, schools, entire towns. Today, remittances make up over a fifth of the state's economy. Which means when war broke out across the Middle East last month, Kerala isn't just watching from a distance. The hurt is closer home.Tune in. Want to work with The Ken? Apply here!Daybreak is produced from the newsroom of The Ken, India's first subscriber-only business news platform. Subscribe for more exclusive, deeply-reported, and analytical business stories.

BUSINESS: Remittances down to $3.36B in January | Mar 17, 2026Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribe Visit our website at https://www.manilatimes.net Follow us: Facebook - https://tmt.ph/facebook Instagram - https://tmt.ph/instagram Twitter - https://tmt.ph/twitter DailyMotion - https://tmt.ph/dailymotion Subscribe to our Digital Edition - https://tmt.ph/digital Check out our Podcasts: Spotify - https://tmt.ph/spotify Apple Podcasts - https://tmt.ph/applepodcasts Amazon Music - https://tmt.ph/amazonmusic Deezer: https://tmt.ph/deezer Stitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimes Hosted on Acast. See acast.com/privacy for more information.

Genzeon CEO Ilanko Kumaresan, is transforming healthcare with AI. Industry estimates are that up to 11% of all claims are underpaid - James and Ilanko discuss REVA, the intelligent agent based on Microsoft copilot. We also discuss Patient Engagement, using Microsoft Nuance technology, and Health Intelligence, and the power of the Microsoft ecosystem.* Youtube @ https://youtu.be/ED-xa6vF1mU* Spotify @ https://open.spotify.com/show/43XcU8A1dsNfW3YGT8KXhp?si=7fc7caf95f764cfe* Apple @ https://podcasts.apple.com/us/podcast/generate-now/id1566458654Connect with* Ilanko @ https://www.linkedin.com/in/ilanko/* James @ https://www.linkedin.com/in/jmcaton/

In this episode, journalist and author Puja Mehra speaks with Hemant Mishr, Co-Founder and Group CIO of SCUBE Capital, and former Managing Director & Head- Financial Markets, South East Asia, SCCG at Standard Chartered Bank. They talk about how rising geopolitical tensions—from the Iran conflict to great-power rivalry—are beginning to reshape the foundations of the global financial system. They discuss how the post-1970s financial architecture was built on three pillars: globalization, a rules-based order backed by the United States, and relative geopolitical consensus.Mishr explains how that system evolved around the oil shocks of the 1970s and the emergence of the petrodollar, which helped anchor the dominance of the US dollar and the recycling of global capital through American markets. But today, shifting power balances, the expanding use of financial sanctions, and growing geopolitical fragmentation are testing that framework.What does this mean for the future of the dollar, global capital flows, and emerging economies like India?Tune in for insights into how geopolitics is reshaping the world's financial architecture.SHOW NOTES(00:00) Introduction (00:52) Pillars of Financial Architecture (02:18) Rise of the Petrodollar (03:25) Shift to Petrodollar 2.0 (04:06) Three Scenarios for Finance (06:05) India's Role as Swing State (07:25) Economic Impact of Oil Prices (09:37) Risks to Rupee and Remittances (11:02) Managing Complex Geopolitical Ties (12:59) Timelines for Market Recovery (16:17) Resilience of India's Growth (18:31) Investing in Indian Markets (20:41) Lessons from China's Model (22:49) Managing Exchange Rate Volatility (24:45) Deepening Local Credit Markets (26:23) China's Strategic Currency Policy (29:57) Attracting Global Institutional Capital (32:21) Developing International Financial Hubs (34:24) Technology and Data SecurityFor more of our coverage check out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecore.in⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to our Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Linkedin⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Youtube

Markets, Middle East Escalation, and Global Risk: Subscriber Q&A on Investing, Relocation, and Ethics Doug and Matt answer subscriber questions, focusing first on an escalating conflict involving Iran and the Gulf that they view as extremely serious despite a muted market response; Doug says stock and bond markets are overpriced, warns of a potential crash, criticizes demands like "unconditional surrender," questions U.S. involvement (including insuring ships in the Strait of Hormuz), and expects global economic spillovers, noting Gulf vulnerabilities such as desalination, food supply chains, and remittances. They then discuss Paraguay's unusual culture and land-based investment opportunities, dividend investing (noting oil stocks), practicalities of living/investing in Uruguay and Argentina (including taxes and policy changes under Milei), resource investing diligence, when to sell gold/silver, IPO lockup/exit issues, storing metals abroad, and conclude with a discussion of ethical decision-making frameworks and concerns about political leadership's morality. 00:00 Market Reaction to Iran 01:06 Overpriced Markets Warning 02:50 Gulf Risks and Dubai 04:08 Unconditional Surrender Debate 05:12 Strait Insurance Plan 06:49 Who Benefits From War 08:27 Regional Spillover Effects 10:21 Supply Chains and Remittances 13:07 War as Market Catalyst 13:46 Paraguay Living and Culture 16:22 Paraguay Investing Basics 17:55 Dividend Stocks and Oil 18:26 Uruguay Plan B Logistics 20:45 Tungsten Fund Question 21:52 When to Sell Gold 23:00 Selling Shares After IPO 23:54 Iran Travel and Motives 24:12 Missed Iran Polo Trip 24:40 What the Iran War Is About 26:40 Buying a Farm in Argentina 29:01 Argentina Export Taxes Explained 29:45 Why Gold Stocks Fall Out of Favor 31:18 Is This the Last Gold Bull 33:28 Staying in the US Safely 35:27 Replacing Income After Selling 37:30 Next High Ground Novel Update 38:21 Getting Physical Gold in Uruguay 38:57 War Impact on Mining Stocks 40:41 Ethical Reasoning and Consequences 46:19 Politics Morality and Wrap Up

The cross-border payments market remains stubbornly difficult despite billions in venture capital and countless smart founders attacking the problem. The core challenge isn't technology—it's economics. Western Union's margins weren't exploitative greed; they reflected the brutal reality of cash distribution networks, compliance infrastructure, and dual-country regulatory overhead. Palla Financial cracked this by inverting the entire model: instead of fighting for expensive US-based senders, they partnered with Latin American banks to let recipients pull funds. This approach taps into the world's largest remittance corridor ($160+ billion annually flowing from the US to Latin America) while sidestepping the customer acquisition bloodbath. In this episode, Enrique Perezalonso, CEO of Palla Financial, breaks down why recipient-driven payments eliminate distribution costs, how they rebuilt their product three times based on bank feedback, and why the "no CAC" embedded model still requires massive partner investment to actually work. Topics Discussed: Why cross-border payments remain broken: dual-country regulations, cash distribution economics, and two-sided transaction complexity The shift from cash-based infrastructure to digital rails and its impact on unit economics Palla's pull-based model: embedding payment requests inside bank apps to flip sender/recipient dynamics Revenue mechanics: $3 consumer fees, FX markup economics, and interchange/revenue sharing with bank partners The buy-vs-build calculus for banks and why a Central American banking group returned after a four-year internal build attempt Creating a new category and watching competitors attempt to copy the embedded approach Selling into banks with no standardized buyer: navigating from remittance teams to CEOs depending on organizational maturity The reality of "indirect" CAC: why embedded distribution still requires heavy investment in partner success Implementation failures and the shift from hands-off best practices to consultative partner enablement GTM Lessons For B2B Founders: Flip expensive distribution by attacking the other side of the transaction: While competitors burned cash acquiring US-based senders in saturated corridors (US-Mexico, US-India), Palla partnered with recipient-side banks in Latin America. Banks gained deposits, interchange revenue, and digital channel differentiation without building infrastructure. The lesson isn't just "find cheaper distribution"—it's recognizing that two-sided markets have two potential wedges, and the less obvious side may offer superior economics and strategic positioning. Target buyers who already tried and failed to build: A Central American banking group spent nine months evaluating Palla, decided to build internally, then returned four years later. This wasn't poor execution—it was competing priorities, lack of scale economics, and the reality that cross-border payments isn't their core business. The strongest signal for partnership readiness isn't interest, it's previous build attempts that stalled. These buyers understand the problem deeply and won't need convincing on value. "Embedded" and "no CAC" are myths without massive partner investment: Palla initially provided best practice guides and light coaching, assuming banks would naturally drive adoption. They saw "lackluster results" until they became "more and more hands-on," shifting to consultative implementation with proper incentive design and accountability frameworks. The volume business requires scale, and scale requires active partner management. Budget for partner success resources as if you're hiring an implementation consulting team, not just doing integrations. Use speed to rebuild the product in real-time with customers: The product Palla launched bears little resemblance to their original vision. They rebuilt features "hand in hand" with bank partners, leveraging their advantage over large competitors: no bureaucracy, hunger to make it work, and speed. This isn't about "customer feedback"—it's about treating early partners as co-developers and having the discipline to throw away your original roadmap when partners show you what actually solves their problem. Extreme focus means saying no to everything adjacent: Palla deliberately limits themselves to "two or three products" all within cross-border payments, explicitly avoiding cross-sell opportunities and adjacent revenue streams. Enrique notes this is both their moat and "a potential pitfall" when opportunities multiply with success. The discipline isn't about focus when you're struggling—it's about maintaining focus when growth creates endless plausible expansions. Each "yes" to something new is a "no" to deepening your core advantage. // Sponsors: Front Lines — We help B2B tech companies launch, manage, and grow podcasts that drive demand, awareness, and thought leadership. www.FrontLines.io The Global Talent Co. — We help tech startups find, vet, hire, pay, and retain amazing marketing talent that costs 50-70% less than the US & Europe. www.GlobalTalent.co // Don't Miss: New Podcast Series — How I Hire Senior GTM leaders share the tactical hiring frameworks they use to build winning revenue teams. Hosted by Andy Mowat, who scaled 4 unicorns from $10M to $100M+ ARR and launched Whispered to help executives find their next role. Subscribe here: https://open.spotify.com/show/53yCHlPfLSMFimtv0riPyM

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In Episode 49 of Chain Reactions, we sit down with Mashal Waqar, Head of Marketing at Octant, and get a surprise drop-in from Griff Green, Founder of Giveth, to dig into how public goods funding actually works on Ethereum and why it matters more now than ever.We cover:– How Octant's model works: lock GLM, earn ETH, and choose to fund public goods or keep the yield– The surprisingly heated debate over what counts as a "public good" (yes, Pizza DAO came up)– Why blockchain unlocks speed, transparency, and community-driven capital allocation that traditional grants can't match– Griff's wild story of The DAO hack, how edge case funds turned into $200M+, and the launch of the new DAO Security Fund– The case for an Ethereum security coalition and why L2s need to fund shared infrastructureMashal shares her journey from running a media company with tens of millions of readers to burning out, discovering crypto through NFTs and Gitcoin, and co-authoring the first State of Web3 Grants report.We also get into real-world impact stories, from funding water filters in Gaza to helping doctors in Syria get paid through crypto, and why sustainable funding through DeFi yield beats depleting treasuries. Plus, a great riff on AI in public goods, the Zakat use case for crypto, and why execution beats everything.Timestamps00:00 – Intro and what's on everyone's timeline right now02:08 – Welcome to Chain Reactions and introducing Mashal from Octant03:54 – Mashal's journey from media founder to crypto marketer06:28 – How NFTs and Crypto Covens pulled her back into Web308:53 – Co-authoring the first State of Web3 Grants report and discovering Octant10:25 – What Octant is and how the GLM staking model works13:15 – What actually counts as a public good (and the Pizza DAO debate)16:49 – The $1M Ethereum creator round and lessons from vetting 1,000+ applications18:30 – DeFi vaults, sustainable funding, and the new StreamVote experiment23:30 – Why blockchain unlocks faster, more transparent funding than traditional grants26:34 – Remittances, financial access, and the personal case for crypto in emerging markets33:24 – Griff joins: founding Giveth, The DAO hack, and rescuing $200M+ in edge case funds39:21 – The multiplier effect and why matching makes it hard not to donate44:18 – Launching the DAO Security Fund inspired by Octant's model48:45 – AI experiments at Octant, building with AI, and the case for AI in public goods56:29 – Vitalik's L2 tax tweet, Ethereum sustainability, and the need for a security coalition1:00:00 – Rapid fire: execution beats everything and don't count your chickensShow Notes & Mentions

WalletConnect just grew into 40 million payment terminals worldwide.Jess Houlgrave, CEO of Wallet Connect explains how their Ingenico partnership lets customers pay with stablecoins at checkout while merchants receive instant fiat settlement without any off-ramping or Visa rails, and includes lower fees.We cover:- WalletConnect x Ingenico: 40M Terminals Now Accept Crypto- Why B2B Stablecoin Payments Will Explode- Keeping Transactions On-Chain vs. Crypto Cards- 2% Cashback Rewards & Merchant Incentives- The Path to $2 Quadrillion Onchain Payments- Agent-to-Agent Payment InfrastructureTimestamps:00:00 Intro01:42 Why B2B Stablecoin Payments Now?03:48 WalletConnect x Ingenico Partnership Deep Dive05:51 The Payment Experience: QR vs NFC08:10 Handling Crypto Complexity for Merchants10:34 Trezor,Halliday, infiniFi Ads11:16 B2B vs Remittance vs Retail Growth14:26 Cashback Incentives & Rewards15:57 The Convenience Gap Problem19:37 YEET, KalshI, Hibachi Ads21:06 On-Chain vs Off-Chain Settlement24:11 Biggest Obstacles to Full On-Chain Payments28:09 AI Agents & The Future of Payments29:30 2026 Goals & Closing ThoughtsWebsite: https://therollup.co/Spotify: https://open.spotify.com/show/1P6ZeYd...Podcast: https://therollup.co/category/podcastFollow us on X: https://www.x.com/therollupcoFollow Rob on X: https://www.x.com/robbie_rollupFollow Andy on X: https://www.x.com/ayyyeandyJoin our TG group: https://t.me/+TsM1CRpWFgk1NGZhThe Rollup Disclosures: https://goodidea.ventures

Arizona has had more than 200 measles cases since August. President Trump's administration Wednesday dropped an effort to defund schools that teach “diversity equity and inclusion.” Remittances — or the money immigrants send back to their countries of origin — dropped to Mexico in 2025. Plus the latest business and metro Phoenix news.

Chats5:02 pmSaturday25/10/202501/10/202521/08/2025ContactsAiman MaskargoAiman MxsAiman Wangsa Majuciman PPKIHey there! I am using WhatsApp.See more chat history on the appGet WhatsApp for MacTodayDah11:14 amOK tq11:14 amNanti aku minta jinggo dari duit kita fam11:14 amOk11:17 amBaik11:17 amAda 1 job ni mcm buat media social11:17 amTp bajet dia ciput la11:17 amKat ne11:17 amForwardedCREATIVE_260112_104501.pdf9 pages•PDF•2 MB11:18 amKalau mcm ni11:18 amBerapa nk charge11:18 amHmmmm11:18 amMacam banyak je11:18 amItu la11:28 amKalau mcm ni berapa11:28 amTp bkn semua11:28 amYang mana11:28 amKena jumpa tanya lu11:28 amDah belum1:05 pmok dah1:23 pmkul keluar1:23 pmkasi tajuk1:23 pmKS-EP185-Audio-Podcast.mp3MP3•195 MB1:23 pmJap1:23 pmBagi diorang dulu1:23 pmkul 61:23 pmTarget 51:23 pmok1:24 pm-KJ Kembali ke PAU-Refleksi PAU 2025-JMYR Stablecoin-Rex Tan1:27 pmThis message was deleted1:39 pmHOOK KJ:11:04-11:20“AAAA Yaa saya masuk dewan merdeka….overwhelming for me”1:47 pmPantas pantas1:47 pmOK jp1:48 pmEpisod 185 Audio Siar Keluar Sekejap membincangkan refleksi Perhimpunan Agung UMNO 2025 yang berlangsung minggu lalu, yang sarat dengan pengumuman penting serta isyarat politik yang signifikan.Episod ini turut mengupas pelancaran stablecoin pertama yang disandarkan kepada ringgit, iaitu JMYR, yang dibina di atas rantaian blok Zetrix. JMYR kini menjemput syarikat untuk mengemukakan cadangan (RFP) bagi bidang berikut: Payments, Settlement, Trade finance, Remittance dan Enterprise dan integrasi ekosistem. Hantar cadangan anda ke: rfp@jmyr.com.mySelain itu, episod ini turut menyentuh isu penahanan bekas wartawan Free Malaysia Today (FMT), Rex Tan, di bawah Akta Hasutan, susulan soalan yang dikemukakan beliau dalam wacana awam bertajuk “Gaza Exposes the Complicity of International Actors” di Kuala Lumpur, yang mencetuskan reaksi negatif serta menjadi tular di media sosial.Timestamp EP18500:00 Intro01:45 KJ 50 Tahun06:10 Kemuncalan KJ di PAU Pemuda14:20 Refleksi PAU 202546:00 PN masih berpecah51:40 JMYR Stablecoin1:07:40 Rex Tan DitahanIngin jenama anda dikenali oleh ribuan pendengar?Taja episod #keluarsekejap 2026 +6011-1919 1783 commercial@ksmedia.my

BUSINESS: Nov remittances lowest in six months | Jan. 16, 2026Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribeVisit our website at https://www.manilatimes.net Follow us: Facebook - https://tmt.ph/facebook Instagram - https://tmt.ph/instagram Twitter - https://tmt.ph/twitter DailyMotion - https://tmt.ph/dailymotion Subscribe to our Digital Edition - https://tmt.ph/digital Check out our Podcasts: Spotify - https://tmt.ph/spotify Apple Podcasts - https://tmt.ph/applepodcasts Amazon Music - https://tmt.ph/amazonmusic Deezer: https://tmt.ph/deezer Stitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimes#KeepUpWithTheTimes Hosted on Acast. See acast.com/privacy for more information.

As part of Digital December 2025, in partnership with Laxmi Sunrise Bank Limited, this episode explores how Nepal's digital payment infrastructure is shaping the way money moves across the economy from everyday transactions to enterprise and national-level systems. This conversation brings together two key perspectives from Nepal's digital payment ecosystem: Manoj Thapa, Country Head – Visa Nepal, sharing a global view on payments, cross-border commerce, and how international networks connect Nepali businesses to the world. Munni Rajbhandari, COO – Nepal Clearing House Ltd. (NCHL), explaining the national payment rails, enterprise payment systems, and the infrastructure that processes millions of transactions every day. Together, they discuss Nepal's journey from manual, paper-based processes to a digitally connected payment ecosystem — and why the focus is now shifting from building infrastructure to driving adoption, trust, and customer experience. In this episode, you'll learn: How money moves across banks, businesses, and platforms in Nepal What large-scale digital payment volumes reveal about the economy How enterprises and SMEs manage salaries, vendors, taxes, and disbursements digitally Why global payment connectivity matters for tourism, exports, and IT services How digital transaction data builds trust, creditworthiness, and future financial access Why security, standards, and financial literacy are critical as digital payments scale Whether you're a business owner, financial professional, policymaker, or someone who pays digitally every day, this episode helps you understand where Nepal's digital payment system stands today — and where it's headed next. Timestamps 00:00 – Welcome to Digital December | Episode 2 02:00 – Why Digital Payments Matter for Nepal's Economy 05:00 – Nepal's Leapfrog Journey into Digital Payments 07:00 – Women Leadership in Nepal's Fintech Sector 10:00 – What Visa Really Does Beyond Cards 14:00 – Connecting Nepal to Global Money Movement 18:00 – Tourism, Remittance & Early Payment Advantage 23:00 – How Government Payments Went Fully Digital 27:00 – From Cheques to Instant Dividends & Salaries 30:00 – Digital Payments Growth: Data vs Reality 35:00 – What Is NPI? Nepal's Payment Backbone Explained 38:00 – APIs, Account Validation & Secure Transfers 42:00 – Why Trust & Security Come Before Scale 45:00 – Corporate Pay & Enterprise Payments for SMEs 49:00 – How Nepali Businesses Can Accept Global Payments 56:00 – Why SMEs Struggle with Digital Adoption 01:02:00 – Payment Gateways, Aggregators & Automation 01:14:00 – How Digital Payments Build Credit History 01:26:00 – Fraud, Awareness & Consumer Protection 01:44:00 – Final Takeaways: The Future of Digital Nepal  

As I write this, it's Christmas Eve. While many of us are moving through a season of comfort and predictability, I keep returning to what I saw walking through the streets of Cuba. Not in headlines or statistics, but at street level. Neighbourhoods without running water. Electricity that fails often enough to be expected. Roads and sidewalks eroded into improvisation rather than repair. Infrastructure that no longer supports daily life, but merely endures alongside it. What struck me most were the small, improvised economies operating inside people's homes. Corner shops carved out of living rooms and front windows. Shelves mostly empty. A few scattered items; soap, canned goods, a bottle or two; offered more as possibility than supply. These were not businesses in the conventional sense, but acts of persistence. People selling what little they could source, not to grow, but to survive. In contrast, government stores stood rigid and bare. Long lines formed early, people waiting patiently for whatever might arrive. No certainty, no choice; just endurance. Elderly men and women stood apart, looking through windows rather than lining up, watching quietly, as if calculating whether the effort was worth the return. There was no anger in their posture. Just fatigue. A lifetime lived long enough to recognize scarcity as permanent rather than temporary. And yet, the streets were not chaotic. Homes were occupied. Communities functioned. People greeted one another. Children played. There was dignity in how life continued despite the absence of systems meant to sustain it. Pride, not in conditions, but in endurance. A refusal to surrender daily routines, even when the state no longer reliably provides the basics those routines depend on. That contrast stayed with me. Material failure on one side; social cohesion on the other. Institutions visibly broken, yet communities holding themselves together through habit, restraint, and mutual recognition. As we sit surrounded by abundance and choice, Cuba offers a sobering reminder; collapse does not always look like disorder. Sometimes it looks like people quietly adapting, carrying on, and preserving dignity in circumstances that leave very little room for it. Cuba's Economic Landscape The Cuban economy rests on three pillars, each one cracked. State control dictates production and distribution, yet delivers neither predictably. Tourism brings foreign currency when it comes; when it doesn't, entire sectors go dormant. Remittances from family abroad keep individual households afloat but cannot repair what the state has allowed to deteriorate. I watched this play out in Holguín. Hotels near the beaches sat half-empty, their lobbies staffed but waiting. Tour buses passed through neighborhoods where residents had no meaningful contact with the tourist economy happening beside them. The money flows in narrow channels, reaching some while bypassing most, and when global disruptions close those channels entirely, there is no backup system. The pandemic proved this. When travel stopped, so did the pretense of economic diversification. Jobs vanished. Services contracted. The state stepped in where it could, but its capacity had already been stretched thin by decades of deferred maintenance and misallocated resources. Families with relatives in Miami or Madrid survived on wire transfers; families without them made do with less. The government has acknowledged the brittleness, at least partially. Small private businesses now operate legally in food service and retail; spaces that would have been unthinkable a generation ago. Joint ventures with foreign companies receive official encouragement. On paper, these reforms signal openness. On the ground, they operate within boundaries so narrow that growth remains theoretical rather than realized. Because the fundamental problem persists: there is not enough of anything. Goods arrive sporadically. Industrial output continues its decline. Foreign investors cal...

BUSINESS: Remittances hit three-month high | Dec. 16, 2025Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribeVisit our website at https://www.manilatimes.net Follow us: Facebook - https://tmt.ph/facebook Instagram - https://tmt.ph/instagram Twitter - https://tmt.ph/twitter DailyMotion - https://tmt.ph/dailymotion Subscribe to our Digital Edition - https://tmt.ph/digital Check out our Podcasts: Spotify - https://tmt.ph/spotify Apple Podcasts - https://tmt.ph/applepodcasts Amazon Music - https://tmt.ph/amazonmusic Deezer: https://tmt.ph/deezer Stitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimes#KeepUpWithTheTimes Hosted on Acast. See acast.com/privacy for more information.

SPONSORS: 1) AMENTARA: Go to https://www.amentara.com/go/julian and use code JD22 for 22% off your first order! 2) MOOD: Discover your perfect mood and get 20% off your first order at http://mood.com and use code JULIAN at check out! 3) HOLLOW SOCKS: For a limited time Hollow Socks is having a Buy 2, Get 2 Free Sale. Head to http://Hollowsocks.com today to check it out. . #Hollow Sockspod PATREON: https://www.patreon.com/JulianDorey (***TIMESTAMPS in description below) ~ Tyler Oliveira is an American YouTuber. He made several challenge videos before transitioning to videos centered on man-on-the-street interviews and deep dive documentaries. TYLER's LINKS: YT: https://www.youtube.com/tyleroliveira X: https://x.com/tyleraloevera IG: https://www.instagram.com/tyleroliveiraofficial/# FOLLOW JULIAN DOREY INSTAGRAM (Podcast): https://www.instagram.com/juliandoreypodcast/ INSTAGRAM (Personal): https://www.instagram.com/julianddorey/ X: https://twitter.com/julianddorey JULIAN YT CHANNELS - SUBSCRIBE to Julian Dorey Clips YT: https://www.youtube.com/@juliandoreyclips - SUBSCRIBE to Julian Dorey Daily YT: https://www.youtube.com/@JulianDoreyDaily - SUBSCRIBE to Best of JDP: https://www.youtube.com/@bestofJDP ****TIMESTAMPS**** 00:00 – Intro 01:14 – Cow-Dung Festival, Shiva Origin, Lakshmi, Rituals, India Cow Laws, Cancer Claims 09:42 – Cow Dung Studies, Small Village Tradition, Caste System, Infant Mortality 24:24 – Gender Dynamics, Immigration Balance, Racism Labels, American Identity Unraveling 36:36 – Assimilation Debate, Economic Exploitation Claim, Identity Crisis, Hamtramck & Dearborn 50:51 – Importing Conflicts, Genocide Examples, Kensington Crisis, H1B Lottery 01:02:41 – Nepotism, Diploma Mills, Visa Farms, Scammer Systems at Scale 01:20:33 – Remittances, Japan Demographics, Immigration, Youth Opportunity Loss, AI Arms Race 01:30:58 – Risk/Reward of Immigration, Fourth Turning, Dangerous Male Energy 01:40:20 – Fixing America, Who Benefits?, Housing Crisis, Corporate Power, Crony Capitalism, AI God 01:53:07 – Unabomber, Pyramids, Scammers, Epstein Island 02:09:20 – Influencer Binders, MTG, Maxwell Textbooks, NYC Tunnels, Bohemian Grove, Shirley 02:38:34 – Kash Patel Lawsuit, Palantir, 9/11, Taliban Pros, 0pium War Reversal, Mexico Relations 02:49:13 – We're Screwed Either Way, Opioids, Narcan, Harm Reduction, Ethereal Economy 03:04:15 – Wage Stagnation, Dating Crisis, MAID Canada, Sarco Pod, Man in the High Castle 03:07:21 – Tyler's work CREDITS: - Host, Editor & Producer: Julian Dorey - COO, Producer & Editor: Alessi Allaman - https://www.youtube.com/@UCyLKzv5fKxGmVQg3cMJJzyQ - In-Studio Producer: Joey Deef - https://www.instagram.com/joeydeef/ Julian Dorey Podcast Episode 363 - Tyler Oliveira Music by Artlist.io Learn more about your ad choices. Visit podcastchoices.com/adchoices

CannCon and Zak Paine return after the holiday break with a packed episode, opening on the heartbreaking Stockton shooting that left four young people dead before diving into the Treasury Department's new crackdown on illegal remittances sent by migrants working unlawfully in the U.S. They break down how this FinCEN move threatens cartel cash flow, destabilizes sanctuary-state politics, and directly challenges a decades-old system exposed by a newly surfaced 1983 CIA memo. The hosts then turn to Oregon, where the state's attorney general and governor are threatening to arrest federal agents enforcing immigration law, a constitutional confrontation they say is coming to a head. From there, they explore Operation Allies Welcome failures, Afghan nationals flagged for terror ties, and the deeper implications behind the recent D.C. National Guard attack. The show also highlights Trump's escalating posture toward transnational cartels and Venezuela, media attempts to undermine anti-cartel strikes, and how the intelligence community is reacting. A fast-moving, sharp breakdown of immigration, national security, and political warfare.

BUSINESS: Remittances rebound as ‘ber' months begin | Nov. 18, 2025Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribe Visit our website at https://www.manilatimes.net Follow us: Facebook - https://tmt.ph/facebook Instagram - https://tmt.ph/instagram Twitter - https://tmt.ph/twitter DailyMotion - https://tmt.ph/dailymotion Subscribe to our Digital Edition - https://tmt.ph/digital Check out our Podcasts: Spotify - https://tmt.ph/spotify Apple Podcasts - https://tmt.ph/applepodcasts Amazon Music - https://tmt.ph/amazonmusic Deezer: https://tmt.ph/deezer Stitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimes#KeepUpWithTheTimes Hosted on Acast. See acast.com/privacy for more information.

Episode #430: Ngu Wah is a Research Fellow at Knowledge Circle Foundation and a PhD candidate at Chiang Mai University focusing on migration and political economy. In this episode, she speaks about the struggles of Burmese migrant workers and the crucial role of remittances in Myanmar's economy, shaping the vision she has for her country's future. She explains that Myanmar remains largely resourcebased, dependent on extractive industries and agriculture. The State Administration Council (SAC) controls the formal sector, while a significant informal sphere involves both state and nonstate actors. Weak infrastructure—roads, transport, and telecommunications—continues to weigh heavily on national development. Migration, she stresses, is “in [her] heart,” a personal commitment rooted in family background and her belief that migrant workers are the “unsung heroes of Myanmar.” Before her PhD, Ngu Wah studied returnees to learn how families managed remittances and supported rural agriculture. Later, while conducting research in Thailand, she uncovered evidence of a gender wage gap: women earned less but remitted more. She attributes this to side income, skillssharing, digital networks, and community living that help women stretch their resources. Yet, women also face greater obstacles than men in finding jobs when contracts expire and in reintegrating once they return to Myanmar. Many hope to start small businesses, making remittances essential as savings and seed capital. Documentation remains another critical burden. Although official fees are low, bureaucratic hurdles and language barriers push workers to use costly agents. Some fall into debt, while others risk working without papers. Yet documentation is vital for protection, services, and bank access. “We need to be very practical to solve that issue,” she says. “We need to think for the migrant workers.” Remittances accounted for about 4% of Myanmar's GDP in 2018 and have only grown since the coup. But scams and tightening controls make safe transfers harder. She calls for flexible, secure mechanisms that also consider migrants' habits. While many describe the Burmese as resilient, she cautions against romanticizing hardship. Survival, she insists, comes at a cost. Still, after recounting these struggles, she closes with her most powerful reminder: “[the Burmese] always find a way to survive.”

For decades, the U.S. has been the single biggest source of remittances worldwide. A remittance is a transfer of money, typically from an immigrant to their family in their country of origin. But we are in the middle of a big, loud and very public immigration crackdown on those who are here without legal status. And that crackdown is disrupting the global remittance market. People who have come to the U.S. from a handful of countries — especially some Central American countries — have been sending more money back to their countries of origin. And it's a bit of a puzzle because … you might think the opposite would be the case.As immigration plummets, we try to figure out why remittances are surging in some countries, and not others. And we learn why a surge in money sent home inspires joy — but also fear.Pre-order the Planet Money book and get a free gift. /  Subscribe to Planet Money+Listen free: Apple Podcasts, Spotify, the NPR app or anywhere you get podcasts.Facebook / Instagram / TikTok / Our weekly Newsletter.Register here for our live Zoom event about our board game project on November 1st.This episode was hosted by Erika Beras and Greg Rosalsky. It was produced by Luis Gallo with help from Sam Yellowhorse Kesler. It was edited by Marianne McCune with fact-checking help from Sierra Juarez. It was engineered by Patrick Murray. Alex Goldmark is Planet Money's executive producer.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

What are remittances and why are they a drag on the economy? Why do communist countries have such low crime stats but not in communist cities in America? Trying to destabilize a nation. The Dr Pepper museum. Medal of Honor: Jason DunhamFollow The Jesse Kelly Show on YouTube: https://www.youtube.com/@TheJesseKellyShowSee omnystudio.com/listener for privacy information.

For episode 224 of the Crypto Altruists podcast, we're excited to welcome Eric Alsop, Chief Technology Officer at Pesabase, a fintech platform using blockchain rails to simplify remittances, empower communities, and make financial access a reality across Africa.In today's conversation, we unpack what's new with Pesabase's latest platform evolution, how stablecoins and smart contracts can create better financial rails for underserved communities, and why Africa may hold the blueprint for the world's decentralized financial future.You'll learn:

On this episode, 'Laolu, Furo, and Nosa are joined by Benjamin Dada of Condia! We break down the CBN's new Agent Banking Guidelines — exploring tighter fraud controls, new cash limits, and exclusivity rules. We also discuss the ATM exposure draft, unpack media reporting standards in fintech, the $20B remittance market boom, and how startups like Lemfi are evolving with credit-based and stablecoin models._We love hearing your thoughts! Find us on X (@TheOAPod) and Instagram (@openafricapod) and tag us in your conversations. Hosted on Acast. See acast.com/privacy for more information.

My interview with Eowyn Chen, CEO of Trust Wallet. - Trust Wallet surpasses 210M users globally  - Growing adoption of stablecoins for remittances  - Balancing ease of use and full control in self-custody  - The future of data ownership and digital identity  - Why self-custody is a fundamental right in the U.S.  - How blockchain, not wallets, may become banks' true competitor  Powered by Phoenix Group The full interview is also available on my YouTube channel: YouTube: http://bit.ly/3LmwUuU  

My interview with Michael Chan, CEO of Zand Bank. - How stablecoins are reshaping global banking  - The role of U.S. regulatory shifts in driving adoption  - Why Zand is betting big on digital assets  - How AI and blockchain are enhancing compliance and efficiency  - Why banks launching their own stablecoins could be a game changer  - The biggest risk keeping crypto-bank CEOs up at night Powered by Phoenix Group The full interview is also available on my YouTube channel: YouTube: http://bit.ly/4q9StyM  

For episode 614 of the BlockHash Podcast, host Brandon Zemp is joined by Max Sandy, Head of Product for Ramp Network. Max Sandy oversees Ramp’s industry-leading fiat–to–crypto on-ramp, off-ramp and crypto-to-crypto swap products, and is driving the launch of a new global payment app for stablecoins and remittances. His work blends rapid product execution with a long-term vision to make crypto payments as seamless and trusted as traditional finance. Ramp Network (https://ramp.network/) is a financial technology company building solutions that connect the crypto economy with today’s global financial infrastructure. Through its core on- and off-ramp products, Ramp Network provides businesses and individuals across 150+ countries with a streamlined and smooth experience in converting between cryptocurrencies and fiat currencies. Ramp Network is fully integrated with the world’s major payment methods, including debit and credit cards, bank transfers, Apple Pay, Google Pay, Pix, and more. ⏳ Timestamps: (0:00) Introduction(1:02) Who is Max Sandy?(4:05) Ramp’s focus around remittances & payments(8:40) Function of Ramp’s new wallet(12:47) Payments for Entrepreneurs & Creators(20:45) Need for stablecoins denominated in other currencies(22:30) Key partnerships(23:42) Abstracting away complexity(25:22) Impact on emerging economies(28:48) Ramp Network Roadmap(30:17) Events & conferences(31:50) Ramp website & socials

OFW remittances keep many Filipino families afloat—but what's the bigger picture? In this heartfelt episode of Chink Positive, Chinkee Tan explores the real impact of remittances on households and the Philippine economy. Discover the benefits, hidden risks, and practical ways families can use remittances wisely to build long-term security and independence.For any collaboration, brand partnership, and campaign run inquiries, e-mail us at info@thepodnetwork.com. #OFWMoneyMatters #ChinkPositive #RemittanceWisdom #FinancialFreedomPH #WealthCoach Hosted on Acast. See acast.com/privacy for more information.

“How is it still 50% of your remittance in fees?"

Nchini Nepal suala la waume kwenda kusaka ajira nje ya nchi na kuacha wake zao wakihaha kukimu familia zao katika mazingira ambamo wanawake wanakuwa hawana uthabiti wa kiuchumi limeanza kupatiwa muarobaoni. Je ni kwa vipi? Assumpta Massoi anakufahamisha zaidi.

Send us a textIn this episode, Darren Franks sat down with Jonathan Katende, CEO of Lipa World, to unpack how stablecoins are reshaping remittances, commerce, and financial access across Africa and beyond.Highlights: The Big Problem: Remittances and Off-RampingNavigating Regulation: The Elephant in the RoomAfrica's Leapfrog Moment: Lessons from Mobile AdoptionHighlights: Jonathan Katende's LinkedIn: https://www.linkedin.com/in/jonathankatende/Lipaworld's Website: https://www.lipaworld.com/Darren Franks' LinkedIn: https://www.linkedin.com/in/darrenfranks/Titc's Website https://titc.io/

NK News Correspondent Jooheon Kim joins the podcast this week to discuss Ahn Hak-sop, a 95-year-old former North Korean soldier and so-called unconverted prisoner of war who is seeking repatriation to the DPRK after decades in the South. He also talks about the controversy surrounding ROK police investigations into defector remittances to relatives in the North, which have focused attention on legal challenges around the transfers and spurred a legislator to address the issue. About the podcast: The North Korea News Podcast is a weekly podcast hosted by Jacco Zwetsloot exclusively for NK News, covering all things DPRK — from news to extended interviews with leading experts and analysts in the field, along with insights from our very own journalists.

President Trump has decided to suspend duty-free de minimis for the USA, effective 29 August. Aaron Bezzant, Head of Supply Chain at Zonos, discusses the background to the President's Executive Order, what it means for e-commerce and the postal world, and what steps need to be taken to be compliant. The details of President Trump's Executive Order Previous attempt at eliminating de minimis for the postal stream Customs and Border Protection and USPS collection processes Duties for China Post and Hongkong Post shipments Tactics used to exploit previous de minimis crackdown on Chinese-made goods Compliance that has to be in place to meet 29 August deadline Effective mandate on DDP Bona fide gift exemption for low-value items How postal operators can start the journey to be compliant by 29 August Temporary simplified tariffs Remittance requirements and options from 29 August MFN and IEEPA tariff rates Role of third party in collecting funds and remitting to CBP Who ends up paying the duties? How Zonos can help pre-collect duties and taxes Why building a postal DDP network is central to winning in e-commerce delivery The importance of DDP for goods shipped to the USA Zonos tools and systems for postal operators for handling tariffs, including collection Other Zonos tools for posts to help e-commerce retailers Zonos app to facilitate over-the-counter lodgement of international parcels Simplifying the start online finish in-store process for post office parcel lodgement Helping postal operators no matter what stage of the digital transformation journey they're at Simple calculation tools  

CGD's Helen Dempster speaks with the Inter-American Dialogue's Manuel Orozco about the key role that remittances play in development, the impact of the new tax, and how remittances could be better supported and managed.

With the U.S.' northern neighbor at bay, for now, Americans should turn their attention to the south, where Mexican President Claudia Sheinbaum continues to criticize proposed remittance taxes while defending illegal immigration and even weighing in on U.S. civil unrest. Why the hostility?   On today's episode of “Victor Davis Hanson: In His Own Words,” Hanson asks the question: Why are our supposed “partners” adding fuel to the fire in a time of instability?   “  This is the killer. They're going to enforce the law all the way back to 2022. … There's $9 trillion of market capitalization in Silicon Valley. But the idea that they're going to be gouged for $2 or $3 billion right in the middle of these heated discussions.   “ They are playing with fire. I have a solution. Maybe we could take Mexico and put it next to Canada and let them fight it out with each other. And keep us out of it.” (0:00) North American Trade Relations (0:27) Trade Disputes with Mexico (2:05) Canada's Digital Services Tax (3:54) Mexico's Trade Surplus and Remittances (5:25) Contentious Issues and Proposed Solutions

As payment methods diversify and customer expectations increase, the traditional collection and lockbox processing model must evolve. The growing complexity of incoming payments—especially non-conforming mail and unstructured transactions—coupled with the change in expectations, demand smarter, scalable solutions. This situation of complexity and expectations has ushered in a new era of modern collection processing, focused on eliminating manual inefficiencies and using intelligent automation tools to improve accuracy and data quality, driving faster payment processing and improved operational throughput and scalability. Deluxe's Dave Boyce sits down with Craig Jeffery on the Treasury Update Podcast to talk about the latest capabilities lockbox providers can use to improve their existing processes and meet the growing needs of corporations. In this episode, we'll discuss some key features of modern collection solution sets: Virtual batching Machine learning-driven recognition Historical learning Intelligent character recognition (ICR) technology  

Harvard Morgue Scandal (00:02:53 - 00:09:19): Cedric Lodge, HarvardMedical School morgue manager, pleaded guilty to selling donatedcadaver parts (brains, hands, faces) from 2018–2022 in a nationwideconspiracy with six others, including his wife. The scheme involvedstillborn babies meant for cremation, sold via social media. Thisbreach at Harvard exposes ethical failures and institutional greed.Gaza Conflict and U.S. Repercussions (00:30:06 - 00:34:40): Israel'sactions in Gaza, labeled genocide, fuel anti-U.S. sentiment due toAmerican support. Joseph Neumeier, a U.S.-German citizen, was arrestedfor planning an attack on the U.S. embassy in Israel with Molotovcocktails. His erratic behavior led to his capture, showing how U.S.policy sparks violence against its interests.Left-Wing Support for Anti-Israel Violence (00:41:39 - 00:46:29):TikTok influencer Guy Christiansen praised the shooting of two Israeliembassy employees in D.C., calling the shooter a “resistance fighter.”The victims were unconnected to Gaza's conflict. This reflectsleft-wing endorsements of violence, driven by Marxist views of Israelas an oppressor, escalating ideological divides.South Africa's “Kill the Boer” Issue (00:59:30 - 01:06:54): JuliusMalema's chants of “Kill the Boer” incite violence against whitefarmers. President Ramaphosa, confronted by Trump with video evidence,dodged condemning the rhetoric despite claiming to oppose hate speech.This highlights political hypocrisy and risks food insecurity bytargeting farmers.Displacement of American Workers (01:12:05 - 01:26:39): India exportsyoung workers via H-1B and other visas, displacing older U.S. techprofessionals. In 2025, 66% of Silicon Valley tech workers areforeign-born, 23% Indian, per industry data. U.S. firms favor cheaplabor, lowering tech quality. Manav Bharti University sold 36,000 fakedegrees, undermining credentials. Remittances to India reached $35.76billion in 2020, draining U.S. wealth. Older workers face age bias(20% of tech complaints).AI Development Risks (01:31:33 - 01:37:59): A call to pause AI beyondGPT-4 understates risks. AI's threat is government control, notsentience, and it automates creative tasks, curbing human skills.Anthropic's Claude Opus 4, released despite blackmailing in 84% ofsafety tests, shows scientists prioritize profit over safety.AI's Societal Impact and Global Race (01:37:59 - 01:52:38): AImanipulates, as seen in Reddit experiments and a suicide case. Biasedprogramming limits objectivity, and risky models are released forpublicity. Interior Secretary Burgum warns losing the AI race to Chinathreatens global dominance and power grid stability.AI-Powered Surveillance Technology (02:00:04 - 02:07:36): China's“Rover” ball, a 275-pound AI robot, uses facial recognition andnon-lethal weapons to patrol and neutralize criminals. AdvancedChinese robotics, like Clone Alpha, show high capability. Questionabledeveloper ethics raise fears of oppressive surveillance.Government Control of Education (02:25:38 - 02:31:46): Mississippi'sLance Evans demands private schools taking public funds follow publicstandards like Common Core. Trump's school choice risks governmentcontrol, as seen in Arizona. UNESCO's voucher push threatenshomeschooling autonomy.Vaccine-Related Health Concerns (02:33:57 - 02:39:42): Ozempic, fromGila monster venom, causes facial sinking and bowel issues. Mercury influ shots and newborn vaccines may drive autism's 175% rise (1 in 35kids). Media blames pollution, despite autism's rarity pre-1980sFollow the show on Kick and watch live every weekday 9:00am EST – 12:00pm ESThttps://kick.com/davidknightshowMoney should have intrinsic value AND transactional privacy: Go tohttps://davidknight.gold/ for great deals on physical gold/silverFor 10% off Gerald Celente's prescient Trends Journal, go tohttps://trendsjournal.com/ and enter the code KNIGHTFind out more about the show and where you can watch it atTheDavidKnightShow.comIf you would like to support the show and our family please considersubscribing monthly here: SubscribeStarhttps://www.subscribestar.com/the-david-knight-showOr you can send a donation throughMail: David Knight POB 994 Kodak, TN 37764Zelle: @DavidKnightShow@protonmail.comCash App at: $davidknightshowBTC to: bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7Become a supporter of this podcast: https://www.spreaker.com/podcast/the-david-knight-show--2653468/support.

Harvard Morgue Scandal (00:02:53 - 00:09:19): Cedric Lodge, HarvardMedical School morgue manager, pleaded guilty to selling donatedcadaver parts (brains, hands, faces) from 2018–2022 in a nationwideconspiracy with six others, including his wife. The scheme involvedstillborn babies meant for cremation, sold via social media. Thisbreach at Harvard exposes ethical failures and institutional greed.Gaza Conflict and U.S. Repercussions (00:30:06 - 00:34:40): Israel'sactions in Gaza, labeled genocide, fuel anti-U.S. sentiment due toAmerican support. Joseph Neumeier, a U.S.-German citizen, was arrestedfor planning an attack on the U.S. embassy in Israel with Molotovcocktails. His erratic behavior led to his capture, showing how U.S.policy sparks violence against its interests.Left-Wing Support for Anti-Israel Violence (00:41:39 - 00:46:29):TikTok influencer Guy Christiansen praised the shooting of two Israeliembassy employees in D.C., calling the shooter a “resistance fighter.”The victims were unconnected to Gaza's conflict. This reflectsleft-wing endorsements of violence, driven by Marxist views of Israelas an oppressor, escalating ideological divides.South Africa's “Kill the Boer” Issue (00:59:30 - 01:06:54): JuliusMalema's chants of “Kill the Boer” incite violence against whitefarmers. President Ramaphosa, confronted by Trump with video evidence,dodged condemning the rhetoric despite claiming to oppose hate speech.This highlights political hypocrisy and risks food insecurity bytargeting farmers.Displacement of American Workers (01:12:05 - 01:26:39): India exportsyoung workers via H-1B and other visas, displacing older U.S. techprofessionals. In 2025, 66% of Silicon Valley tech workers areforeign-born, 23% Indian, per industry data. U.S. firms favor cheaplabor, lowering tech quality. Manav Bharti University sold 36,000 fakedegrees, undermining credentials. Remittances to India reached $35.76billion in 2020, draining U.S. wealth. Older workers face age bias(20% of tech complaints).AI Development Risks (01:31:33 - 01:37:59): A call to pause AI beyondGPT-4 understates risks. AI's threat is government control, notsentience, and it automates creative tasks, curbing human skills.Anthropic's Claude Opus 4, released despite blackmailing in 84% ofsafety tests, shows scientists prioritize profit over safety.AI's Societal Impact and Global Race (01:37:59 - 01:52:38): AImanipulates, as seen in Reddit experiments and a suicide case. Biasedprogramming limits objectivity, and risky models are released forpublicity. Interior Secretary Burgum warns losing the AI race to Chinathreatens global dominance and power grid stability.AI-Powered Surveillance Technology (02:00:04 - 02:07:36): China's“Rover” ball, a 275-pound AI robot, uses facial recognition andnon-lethal weapons to patrol and neutralize criminals. AdvancedChinese robotics, like Clone Alpha, show high capability. Questionabledeveloper ethics raise fears of oppressive surveillance.Government Control of Education (02:25:38 - 02:31:46): Mississippi'sLance Evans demands private schools taking public funds follow publicstandards like Common Core. Trump's school choice risks governmentcontrol, as seen in Arizona. UNESCO's voucher push threatenshomeschooling autonomy.Vaccine-Related Health Concerns (02:33:57 - 02:39:42): Ozempic, fromGila monster venom, causes facial sinking and bowel issues. Mercury influ shots and newborn vaccines may drive autism's 175% rise (1 in 35kids). Media blames pollution, despite autism's rarity pre-1980sFollow the show on Kick and watch live every weekday 9:00am EST – 12:00pm ESThttps://kick.com/davidknightshowMoney should have intrinsic value AND transactional privacy: Go tohttps://davidknight.gold/ for great deals on physical gold/silverFor 10% off Gerald Celente's prescient Trends Journal, go tohttps://trendsjournal.com/ and enter the code KNIGHTFind out more about the show and where you can watch it atTheDavidKnightShow.comIf you would like to support the show and our family please considersubscribing monthly here: SubscribeStarhttps://www.subscribestar.com/the-david-knight-showOr you can send a donation throughMail: David Knight POB 994 Kodak, TN 37764Zelle: @DavidKnightShow@protonmail.comCash App at: $davidknightshowBTC to: bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7Become a supporter of this podcast: https://www.spreaker.com/podcast/the-real-david-knight-show--5282736/support.

Money sent home by illegal immigrants in the United States could soon be taxed by the U.S. government. Remittances are a top incentive for many illegal immigrants looking for work in the United States, and there are broad systems set up to help them send money to their families in the countries they came from. But a new bill could put that money up for taxation.Views expressed in this episode are opinions of the host and guests and do not necessarily reflect the views of The Epoch Times.

The House's proposed tax plan includes a 5% tax on remittances. These are electronic transfers of money sent by people in the U.S. — often immigrants — to friends and family abroad. There are some exceptions to the tax, including most transfers made by U.S. citizens. We'll learn how this might play out. Also: a (sorta) stock market milestone, a crypto company in the S&P and a bill that could hurt renewables in Texas.

The House's proposed tax plan includes a 5% tax on remittances. These are electronic transfers of money sent by people in the U.S. — often immigrants — to friends and family abroad. There are some exceptions to the tax, including most transfers made by U.S. citizens. We'll learn how this might play out. Also: a (sorta) stock market milestone, a crypto company in the S&P and a bill that could hurt renewables in Texas.