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In this episode, we dive into a thought-provoking conversation with Emmanuel Daniel, a visionary in global finance and founder of Tabb Global. Known for his insights into fintech and banking, Emmanuel shares his perspectives on the evolving landscape of finance, from the role of central banks to the impact of decentralized finance (DeFi). Key topics include central bank digital currencies (CBDCs), the personalization of finance, and the growing influence of decentralized platforms. Emmanuel addresses how shifts in financial technology may disrupt traditional banking, particularly through blockchain and AI advancements, reshaping the global economy.
Lessons Youâll LearnThis episode delivers invaluable lessons on the forces reshaping finance and what they mean for consumers, financial institutions, and innovators. Emmanuel discusses why central banks are increasingly focusing on digital currencies and how theyâre trying to keep up with rapid crypto and DeFi innovations. You'll gain insights into the balance between regulation and decentralization, as well as the essential role of AI in personalizing financial services. Additionally, Emmanuel emphasizes understanding these trends for anyone involved in fintech, showing how foresight and adaptability can shape future success.
About Our GuestEmmanuel Daniel, the founder of Tabb Global and author of The Great Transition: The Personalization of Finance Is Here, is recognized globally for his thought leadership in finance. With a deep understanding of fintech, banking, and decentralization, Emmanuel brings a unique perspective on financial evolution. His experience includes advising on digital banking trends and studying shifts in financial models worldwide, making him a sought-after voice in the industry. His work highlights the pivotal moments when economic and technological forces converge to create transformational change in global finance.
Topics CoveredThis episode unpacks critical topics in modern finance, from central bank digital currencies to blockchain innovations. Emmanuel delves into the Bank for International Settlements' role in guiding CBDCs, the growing appeal of decentralized finance, and the implications of Gen Zâs evolving financial habits. Additional topics include the challenges of regulating digital currencies, the significance of tokenized deposits, and how shifts in technology and trust affect banking. Whether youâre a fintech professional or curious about the future of money, this discussion offers an in-depth look at what lies ahead for financial systems worldwide.
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In this episode, we explore the transformative power of Bitcoin with Evander Smart, a former Wall Street banker who left the traditional finance world to pioneer Bitcoin education. Evander dives into his journey from banking on Wall Street to discovering Bitcoin as a solution for financial independence and decentralization. With a deep understanding of both traditional finance and cryptocurrency, Evander shares why he believes Bitcoin is the best investment of the 21st century, comparing its decentralization and potential to revolutionize finance on a global scale.
Lessons Youâll LearnTune in to learn why Bitcoin, as opposed to other cryptocurrencies, offers unparalleled security, decentralization, and investment potential. Evander discusses key financial concepts like supply and demand, scarcity, and Bitcoin's capped limit of 21 million coins. Gain insights on how Bitcoin differs from other digital assets, the value of investing early, and why understanding Bitcoin could be life-changing. This episode equips listeners with the knowledge needed to navigate the evolving crypto landscape with confidence.
About Our GuestEvander Smart is the founder of Bitcoin University, an educational platform aimed at simplifying Bitcoin for new and experienced investors alike. With years of experience in finance, including time on Wall Street, Evander leverages his unique background to offer practical insights into the benefits and nuances of Bitcoin. A passionate advocate, Evanderâs mission is to empower individuals to make informed decisions and embrace the future of decentralized finance.
Topics CoveredIn this episode, we cover a range of essential Bitcoin topics, including Bitcoin vs. crypto, Bitcoinâs capped supply, Wall Streetâs influence on Bitcoinâs growth, and the ethical concerns surrounding other digital assets. Evander explains the fundamental differences between centralized and decentralized finance, providing actionable advice for those considering investing in Bitcoin. Whether you're curious about blockchain technology, Bitcoinâs economic implications, or simply interested in financial security, this episode offers a thorough overview.
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This episode of the PayPod podcast explores the dynamic fintech landscape in Asia, featuring insights from Dwight Willis, CEO of DSGPay. As a leader in payments innovation, Dwight dives into topics like embedded finance, open banking, and the challenges of financial inclusion across Asiaâs varied economies. Based in Thailand, DSGPay serves a wide range of clients with services such as real-time payments and multi-currency virtual accounts, offering unique solutions for cross-border payments. Dwight contrasts the regulatory landscape in Asia with that of the West, emphasizing the distinct hurdles and opportunities faced by fintech companies operating in diverse markets such as Southeast Asia. For listeners interested in fintech, this episode offers a comprehensive look at the unique dynamics of payments and regulatory challenges in Asia.
Lessons Youâll LearnIn this episode, Dwight shares invaluable lessons on balancing innovation with regulatory compliance in cross-border payments. Youâll learn how DSGPay navigates challenges in emerging markets, emphasizing the importance of working with regulated partners to maintain compliance while driving financial inclusion. Dwight highlights the benefits and risks of real-time payments and embedded finance, especially within the context of Asiaâs unique regulatory environment. He also shares insights on managing multi-currency accounts to streamline international transactions. This episode provides a robust learning experience for anyone interested in fintech, payments innovation, and the opportunities for financial inclusion in Asiaâs evolving markets.
About Our GuestDwight Willis is the co-founder and CEO of DSGPay, a pioneering fintech company specializing in real-time payments and multi-currency virtual accounts. With a background in banking and tech, Dwightâs journey to fintech entrepreneurship was fueled by his desire to tackle the high costs and limited options for cross-border payments in Asia. Based in Thailand, he and his team at DSGPay have grown the company organically, focusing on providing innovative payment solutions across Asia. Dwightâs vast experience working with regulatory frameworks and his unique perspective on embedded finance make him an influential figure in the Asian fintech space.
Topics CoveredThis episode covers a range of critical topics in the fintech industry, including embedded finance, open banking, and financial inclusion. Dwight discusses the importance of real-time payments for small and medium-sized enterprises (SMEs) in Asia, shedding light on how these solutions can drive financial inclusion while also presenting challenges. Other key topics include the cultural and regulatory diversity across Asian economies, the role of multi-currency accounts in facilitating cross-border transactions, and the complexities of managing compliance in emerging markets. This in-depth conversation offers a valuable perspective on navigating the fintech landscape in Asia.
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In this episode of Pay Pod, host Kevin Rosenquist sits down with Qin En Looi, partner at Saison Capital, to explore the transformative world of Web3, blockchain, and tokenization in fintech. Qin En shares his insights on how Web3 is more than just a trendâit's an avenue with the potential to reshape financial services by increasing transparency, reducing intermediaries, and making global transactions more efficient. This conversation dives deep into the benefits and challenges of Web3, exploring its role in creating new financial products and offering global market access. Whether you're new to blockchain or a seasoned fintech enthusiast, Qin En's experience-driven insights shed light on the power of intuitive decision-making in investment.
Lessons Youâll Learn
Listeners will gain invaluable insights into the nuances of early-stage investing, especially in high-potential areas like Web3 and tokenization. Qin En discusses why balancing data with instinct is key when backing startups and explains the importance of thinking about "what could go right" rather than solely focusing on potential risks. This episode also provides a unique look into how blockchain technology can democratize asset access, especially in emerging markets. Qin En's take on how real estate and financial services are being revolutionized through blockchain offers an in-depth understanding of future fintech possibilities and how companies can leverage Web3 for secure, scalable growth.About Our Guest
Qin En Looi is a seasoned investor and partner at Saison Capital, focusing on early-stage investments in Web3 and blockchain startups. Known for his hands-on approach, Qin En leverages both his instinct and data-driven strategies to spot transformative potential in emerging technologies. A Stanford graduate and a founder himself, Qin Enâs experiences in the tech and venture capital space provide him with a unique perspective on fintech, blockchain, and tokenization. Since joining Saison Capital, he has led over 50 investments in Web3 startups, advocating for the technologyâs power to bring transparency and efficiency to financial systems globally.Topics Covered
This episode covers a wide range of topics, from Qin Enâs investment philosophy to the broader implications of blockchain on financial markets. Listeners will hear about how Web3 technology can reduce the need for intermediaries, improve transparency, and lower transaction costs, making global financial services more accessible. Qin En also shares his thoughts on tokenizationâs impact on real estate and how trusted financial institutions could drive mass adoption of blockchain. With discussions on risk, market readiness, and the future of fintech, this episode is a must-listen for those interested in the intersection of finance, technology, and global market access. -
Episode TopicIn this episode of Pay Pod, Kevin Rosenquist sits down with Toby Donovan, an executive recruiter at Spencer Stuart specializing in high-level placements within the fintech and payments sectors. Toby sheds light on how executive search firms like Spencer Stuart operate, particularly in the dynamic world of payments and financial technology. As companies in the payments space seek specialized talent to drive growth, Toby shares his experience matching top-notch candidates with companies looking to expand their teams. If you're curious about the inner workings of executive recruitment and how it impacts the fintech industry, this episode provides a unique look behind the scenes.
Listen in to understand how recruitment trends are evolving in the payments industry. Learn what makes a strong candidate stand out in todayâs competitive fintech landscape, and discover how companies are increasingly valuing diverse experience within their teams. Whether you're seeking new career insights or looking to strengthen your companyâs recruitment strategy, Toby Donovan offers valuable takeaways for professionals at all levels.
Lessons Youâll LearnToby Donovan reveals the secrets behind successful executive placements and shares what companies really look for in top candidates. Youâll learn why experience across different parts of the payments ecosystem can be a game-changer and how "sideways moves" can broaden your career opportunities. Toby explains how executive recruiters evaluate candidates, what traits are essential for cultural fit, and how companies can minimize the risk of hiring mismatches.
Discover the importance of storytelling in interviews, as Toby emphasizes how a well-articulated career journey can make or break a candidate's chances. By the end of the episode, youâll understand the value of long-term recruiter relationships and how they can benefit your career progression. If youâre aiming to climb the corporate ladder in fintech or payments, these insights will equip you with practical steps to achieve your career goals.
About Our GuestToby Donovan is an executive recruiter at Spencer Stuart, a leading global search firm known for its expertise in executive placements within the financial services and payments sectors. With over a decade of experience, Toby has helped countless companies find top-level talent to lead critical initiatives in the payments and fintech spaces. Before his current role, Toby spent years as a conference producer, immersing himself in the financial technology world before fintech even became a buzzword.
At Spencer Stuart, Toby leads senior-level searches for companies across the globe, particularly in North America, leveraging his broad network and deep industry insights. Specializing in consumer financial services and payments, he matches executives with organizations ready to make transformative changes. His unique career path and experiences in London, Australia, and the United States provide him with a global perspective on recruitment, helping businesses find the right leaders for strategic growth.
Topics CoveredThis episode dives into the intricacies of executive search within the fintech and payments industries. Toby discusses the importance of payment diversity, which refers to having experience in multiple areas of the payments ecosystem. He outlines how Spencer Stuart approaches executive recruitment, from understanding client needs to matching candidates with specific skill sets. The conversation covers how the right cultural fit plays a crucial role in long-term placement success and the importance of flexibility around traditional education requirements for certain roles.
Listeners will also hear about the changing landscape of career moves in fintech, with an emphasis on "sideways moves" that broaden one's experience without necessarily being a promotion. Finally, Toby shares advice for executives on building valuable relationships with recruiters, making them a long-term career asset. If youâre interested in the mechanics of high-level recruitment or looking to make strategic moves within fintech, this episode provides actionable insights.
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In this episode, Kevin Rosenquist sits down with Paul Clarke, Chief Product and Innovation Officer at Cashflows, to explore the ever-evolving fintech and payments landscape. With over two decades of experience, Paul delves into the company's mission to streamline payment processes and enhance user experiences. Cashflows, known for its âPayments Perfected by Peopleâ approach, provides businesses with tailored financial solutions, omnichannel capabilities, and subscription management tools. The episode highlights the companyâs dedication to making payments simple, efficient, and adaptable to various business needs. Join us as we discuss the challenges of staying competitive in fintech, the role of technology in user experience, and how Cashflows continues to innovate in an industry driven by rapid changes and customer demand.
Lessons Youâll LearnPaul Clarke shares his insights on how Cashflows approaches innovation in fintech. Learn how user experience drives every decision, from creating seamless omnichannel solutions to improving subscription models and instant payments. Paul explains the importance of understanding customer needs, adapting to market shifts, and balancing risk with user demand. He reveals how Cashflows' flexibility allows them to meet small businesses' needs, emphasizing customer relationships and personalized service. Whether youâre interested in the mechanics of fintech or broader business strategies, this episode offers valuable lessons on building a successful and responsive payment platform. Discover how Cashflows maintains a competitive edge by prioritizing technology, simplicity, and customer-focused solutions.
About Our GuestPaul Clarke is the Chief Product and Innovation Officer at Cashflows, a payment solutions company that provides businesses with streamlined financial services. With over 20 years in the payments and fintech sector, Paul has held key roles at companies like Worldpay, where he focused on enhancing e-commerce solutions. At Cashflows, he continues to lead efforts in omnichannel payment systems, subscription management, and instant settlement solutions. Paulâs approach combines technological innovation with a deep understanding of customer needs. Known for Cashflowsâ mantra, âPayments Perfected by People,â Paul is dedicated to making financial transactions smoother and more efficient for businesses across multiple sectors. His insights on user experience, risk management, and fintech trends make him a respected voice in the industry.
Topics CoveredThe conversation with Paul Clarke covers a range of topics, from the evolution of user experience in fintech to the specific innovations Cashflows brings to the payments sector. Paul explains Cashflows' omni channel solutions, designed to offer merchants a unified platform for accepting payments online, in-store, and on mobile. The episode also explores Cashflowsâ subscription tools, allowing businesses to manage recurring payments effortlessly. Paul discusses the challenges of risk management in instant payments and shares how Cashflows supports small businesses with services like same-day settlement. Kevin and Paul also examine how partnerships between fintech and traditional banks shape the industry, focusing on the blend of technology and human touch that defines Cashflowsâ approach
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In this episode, Kevin Rosenquist interviews Joseph Kelly, CEO and co-founder of Unchained, a financial services company focused on Bitcoin. They explore the intricacies of Bitcoin's decentralized nature, its advantages over other cryptocurrencies, and the unique services Unchained offers to long-term Bitcoin holders, such as multi-signature vaults, Bitcoin-backed loans, and retirement accounts. Joseph also shares his perspective on the future of Bitcoin and addresses common critiques, including mining challenges and Bitcoinâs halving events.
The episode dives into how Unchained stands out in the crypto industry by prioritizing security and empowering users to hold their own keys. From discussing the technical aspects of blockchain to highlighting Bitcoinâs role in a decentralized financial ecosystem, this conversation covers the fundamentals and advanced elements of Bitcoin that investors and crypto-enthusiasts alike will find insightful.
Lessons Youâll LearnListeners will gain valuable insights into Bitcoin and the benefits of decentralized finance. Joseph explains why Bitcoin is unique among cryptocurrencies and breaks down concepts like multi-signature vaults, mining, and Bitcoinâs capped supply. The episode sheds light on how Bitcoin-backed loans work, the potential risks involved, and the practical steps Unchained takes to mitigate them, offering listeners a better understanding of using crypto as collateral.
Joseph also shares lessons from his own entrepreneurial journey, discussing the challenges and rewards of building a crypto-focused company. His experiences highlight the importance of customer-centric innovation and strategic focus, making this episode valuable not only for crypto investors but for aspiring entrepreneurs navigating the fintech industry.
About Our GuestJoseph Kelly is the CEO and co-founder of Unchained, a pioneering financial services company in the Bitcoin space. Since founding the company in 2016, Joseph has been committed to helping individuals securely manage their Bitcoin holdings. With a career spanning 15 years in technology and entrepreneurship, Josephâs work with Unchained has focused on creating user-centric solutions like multi-signature vaults and Bitcoin-backed loans. His mission is to empower people to harness Bitcoinâs decentralized capabilities, offering tools for secure custody, lending, and long-term financial planning.
Before diving into the crypto world, Joseph spent two years sailing the Caribbean on a family-owned sailboat, which he credits for sparking his entrepreneurial spirit. He brings a unique perspective to the industry, blending technical knowledge with an understanding of the human side of finance. His passion for Bitcoin and decentralized finance continues to drive Unchainedâs vision and expansion.
Topics CoveredIntroduction to Unchained: Kevin and Joseph discuss Unchainedâs services, including multi-signature vaults, Bitcoin-backed loans, and retirement accounts for crypto investors.Bitcoin Fundamentals: The conversation explores the unique features of Bitcoin, including its capped supply, decentralization, and why Joseph believes itâs a better investment than other cryptocurrencies.Bitcoin Mining and Halving: Joseph explains Bitcoin mining, its environmental impact, and the implications of Bitcoinâs halving events on the value and motivations for miners.Entrepreneurial Journey: Joseph reflects on his personal experiences that led him to co-found Unchained, including time spent living on a sailboat and his early ventures in tech. He shares how these experiences shaped his approach to building a company that bridges the gap between traditional finance and cryptocurrency.
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In this episode, Kevin Rosenquist sits down with Danielle Hayden, founder of Kickstart Accounting, to discuss how entrepreneurs can achieve financial confidence. Having spent a decade as a CFO, Danielle recognized the gap in financial literacy among small business owners and established Kickstart Accounting to provide comprehensive bookkeeping and accounting services with a personal touch. The conversation delves into the importance of understanding your business finances beyond tax benefits, instead focusing on sustainable growth and goal achievement. Danielle sheds light on how small business owners can use their financial data to make impactful decisions that drive their companies forward.
With a unique approach, Danielle empowers entrepreneurs, particularly women, by helping them harness financial tools to grow and succeed. Listeners will discover how a proactive stance on financial management can help them reach milestones and avoid common pitfalls. This episode is essential for business owners looking to elevate their financial strategy with insights from someone who has transformed small business finances.
Lessons Youâll LearnDanielle shares her approach to financial management, highlighting why viewing your business finances holistically is vital to sustainable growth. Listeners will learn why simply treating business expenses as tax deductions limits potential and how making informed financial decisions is key to achieving business goals. Danielleâs insights into how small businesses can use financial reviews and metrics to make better choices underscore the value of ongoing financial education.
You'll also learn why Danielle is passionate about helping women entrepreneurs thrive in a historically male-dominated field. She emphasizes the importance of having a âmoney teamâ and creating an environment where business owners can confidently celebrate financial wins and navigate challenges. Through her experience, Danielle teaches entrepreneurs to manage their finances with confidence and clarity.
About Our GuestDanielle Hayden is a former CFO and the founder of Kickstart Accounting, a bookkeeping firm that goes beyond traditional accounting services. Danielle and her team at Kickstart Accounting support entrepreneurs in understanding and managing their finances from a holistic standpoint. As the host of the "Business by the Books" podcast, she provides practical financial insights to her listeners, equipping them with the tools needed to succeed. With over a decade of experience, Danielle has helped countless business owners gain clarity on their financial goals and build sustainable businesses.
Passionate about financial education, Danielle particularly enjoys helping women entrepreneurs overcome common barriers in finance. She advocates for a judgment-free approach, creating a supportive environment where clients feel empowered to ask questions and celebrate their successes. Her work at Kickstart Accounting reflects her dedication to transforming the way business owners engage with their financial health.
Topics CoveredIn this episode, Danielle and Kevin discuss the various ways small business owners can enhance their financial literacy and make decisions that align with their long-term goals. Topics include the difference between tax-centric spending and growth-driven spending, as well as the challenges entrepreneurs face when navigating their finances. Danielle explains how understanding and analyzing financial data can lead to informed decision-making, helping entrepreneurs grow their businesses responsibly.
The conversation also covers the importance of building a trustworthy financial team and why an environment of open communication is essential for success. Danielle shares her hiring insights, her philosophy on mentorship, and how Kickstart Accounting creates a unique culture centered on passion and client success. By the end of the episode, listeners will have a deeper appreciation for how financial knowledge can lead to empowered entrepreneurship.
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In this episode of Pay Pod, host Kevin Rosenquist sits down with Vignan Velivela, CEO and co-founder of A to B, a company transforming the trucking and transportation industry through modern payment solutions. They discuss how outdated financial systems in truckingâdating back to the 1980sâhave created inefficiencies that impact drivers, fleet operators, and ultimately, the consumer. A to Bâs mission is to enable immediate payments, fuel rewards, and fraud prevention solutions for drivers and delivery companies.
Vignan shares insights into the trucking sectorâs challenges and its heavy reliance on outdated financial systems. By modernizing payments and providing same-day options, A to B aims to streamline operations in the logistics industry, making it more efficient and cost-effective. Tune in to learn how innovations in fleet technology are driving positive change in a vital sector of the economy.
Lessons Youâll LearnListeners will discover how modernizing financial systems in trucking can benefit everyone involved, from truck drivers to fleet operators. Vignan dives into the core issues, including delayed payments and the significant cost of fuel, and how A to Bâs technology addresses these challenges. He explains how introducing same-day payments can save trucking companies money and eliminate inefficiencies.
Vignan also discusses fraud prevention and how A to B uses advanced technologies to ensure that fuel purchases are secure and aligned with business needs. The episode provides valuable insights for anyone interested in fintech, logistics, or the future of payments in the transportation industry.
About Our GuestVignan Velivela is the CEO and co-founder of A to B, a fintech company dedicated to transforming the financial landscape for trucking and transportation. With a background in electronic engineering and economics from India, Vignan moved to the U.S. to further his studies in autonomous vehicles at Carnegie Mellon University. He gained experience at Cruise Automation, working on self-driving car technology, before launching A to B in 2019.
His vision for A to B focuses on improving the trucking industry by providing faster payment solutions and fraud prevention tools. Vignanâs expertise spans payment systems, fuel optimization, and logistics. He is passionate about creating innovative financial services that help small businesses in the transportation sector thrive.
Topics CoveredIn this episode, Kevin and Vignan explore a variety of topics, including the challenges of modernizing trucking payments, the importance of fuel efficiency, and how A to B prevents fraud in fuel transactions. Vignan shares his journey from launching a fintech company in India to working on NASAâs lunar rover project at Carnegie Mellon, illustrating his deep commitment to solving complex technological problems.
Listeners will also hear about the logistics industryâs future, with insights into autonomous trucking, electric vehicles, and the potential for fleet electrification. With Vignanâs expertise in payments and fleet management, this episode provides a comprehensive look at how technology is reshaping the trucking and transportation industry.
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In this episode of Paypod, host Kevin Rosenquist sits down with Marshall Greenwald, the founder and CEO of Ionia, to discuss how he's transforming the payments industry by cutting out middlemen and speeding up merchant transactions. Marshall shares his journey from working in banking to becoming a fintech entrepreneur, and how Ionia is disrupting the traditional payments process that has remained largely unchanged for decades. The conversation dives deep into how businesses can benefit from faster payments, reduced fraud risks, and more direct connections with consumers. With a focus on eliminating the barriers between merchants and customers, this episode explores the future of fintech.
By leveraging AI and advanced technology, Marshall Greenwald is not only changing the way payments are processed but also solving critical issues like merchant cash shortfalls. His insights on the future of payments highlight how innovation is reshaping the landscape, especially for small and medium-sized businesses facing inflationary pressures and delayed settlements.
Lessons Youâll Learn
Listeners will gain valuable insights into how fintech innovations are addressing long-standing issues in the payments industry. Marshall explains the challenges merchants face with delayed payments and fraud and how Ionia's platform offers a solution by providing instant, secure transactions with no risk of fraud. You'll learn how cutting out middlemen and reducing transaction complexity can significantly benefit businesses by improving cash flow and reducing costs.Moreover, Marshall offers a unique perspective on the evolving fintech landscape, showing how technology like AI is being used to prevent fraud in real-time. He emphasizes the importance of adopting cutting-edge payment systems, particularly in an era where consumers demand fast, seamless, and secure transaction experiences.
About Our Guest
Marshall Greenwald is the founder and CEO of Ionia, a fintech company revolutionizing the payments industry by simplifying the transaction process between merchants and consumers. With over 20 years of experience in the payments sector, Marshall initially started his career in banking before pursuing entrepreneurship. His passion for helping small businesses and his dissatisfaction with the inefficiencies he observed in traditional payment systems led him to create Ionia nearly a decade ago. Under his leadership, Ionia has grown from a small startup to a platform processing over $10 million monthly in its beta phase.Marshallâs innovative approach leverages AI and advanced technology to address long-standing issues like payment delays, fraud, and the high costs associated with multiple intermediaries. His vision for the future of payments is focused on creating faster, more secure, and more direct connections between merchants and consumers.
Topics Covered
How Marshall Greenwaldâs journey from banking led to the founding of Ionia The inefficiencies of traditional payment systems and how Ionia is disrupting the industry The role of AI in preventing fraud and enhancing transaction security The impact of cutting out middlemen and speeding up payments on businesses The importance of cash flow for small and medium-sized enterprises, especially in times of inflation Predictions for the future of fintech, including innovations in payment processing and consumer financing The rise of "Buy Now, Pay Later" options and how they are reshaping consumer behavior
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In this episode of Pay Pod, host Kevin Rosenqvist chats with Jay Sanderson, Senior Manager of Digital Experience and Product Marketing at Progress. With over two decades of experience in the tech world, Jay offers deep insights into how businesses can transform their digital experiences to meet evolving user expectations. The conversation dives into how Progress has stayed relevant for 40 years, its role in shaping user interfaces, and the importance of creating seamless digital experiences for customers. Jay also shares his perspective on how artificial intelligence (AI) is transforming the way we interact with technology, with a particular focus on improving user experience (UX) across platforms.
Lessons Youâll Learn
Listeners will walk away with a deeper understanding of the difference between user experience (UX) and digital experience (DX) and why both are critical in today's tech landscape. Jay shares how businesses can leverage AI to create hyper-personalized, intuitive interfaces that streamline customer interactions. Youâll also learn how legacy companies can modernize their systems to stay competitive, and how AI-powered decision-making tools are changing customer service. Whether you're a developer, marketer, or business leader, Jayâs insights will equip you with practical strategies to enhance your companyâs digital transformation efforts.
About Our Guest
Jay Sanderson is the Senior Manager of Digital Experience and Product Marketing at Progress, a company that has been at the forefront of database technology and digital transformation for over 40 years. With a background in AI and tech development, Jay has a passion for improving user experiences across various digital platforms. His career has spanned decades of innovations in user interfaces, digital commerce, and application development, and he is particularly interested in how AI can be leveraged to create more personalized and efficient digital experiences. Before joining Progress, Jay worked as a developer, honing his expertise in crafting seamless, intuitive user interactions.
Topics Covered
Throughout this engaging episode, Jay and Kevin discuss a wide range of topics, starting with the history of Progress and its evolution from a database technology company into a leader in digital transformation. They also delve into the crucial role that AI plays in modernizing the digital experience, covering AI chatbots, generative AI, and decision automation. Jay explains the importance of hyper-personalization in UX, providing real-world examples of how businesses can integrate these technologies to create smoother, more effective customer journeys. Finally, they touch on the future of AI in the fintech space, comparing it to revolutionary technologies like the internet and smartphones.
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In this episode of PayPod, host Kevin Rosenquist sits down with Arnold Hsu, the CEO and co-founder of G Reminders, a scheduling and automation platform designed to help financial advisors and fintech companies optimize their workflow. Arnold shares his journey from electrical engineering to becoming a serial entrepreneur and discusses the growing role of automation in fintech. With over two decades of experience in the payments and tech industries, Arnold offers insights into how businesses can save time and boost productivity through automated scheduling, meeting follow-ups, and CRM integrations. This episode dives deep into how G Reminders is reshaping the way financial professionals handle day-to-day operations, offering valuable tools for efficiency.
Lessons Youâll Learn
Listeners will learn about the power of automation and how it can streamline business operations, particularly for financial advisors and fintech professionals. Arnold Hsu explains the advantages of using G Reminders to reduce time spent on administrative tasks such as scheduling meetings, client correspondence, and follow-ups. Youâll also hear about how automation technology can enhance customer experience and increase business efficiency. This episode provides practical advice on how to leverage automation for business growth, including insights into the role of AI in optimizing workflows and creating seamless user experiences.About Our Guest
Arnold Hsu is the CEO and co-founder of G Reminders, a scheduling and automation platform that integrates with existing calendars and CRMs to help financial advisors save time and improve efficiency. With a background in electrical engineering and a passion for problem-solving, Arnold has founded four companies and established himself as a serial entrepreneur in the tech industry. G Reminders is his latest venture, aimed at streamlining processes for financial teams. Arnoldâs deep understanding of both technology and business allows him to create tools that offer real, actionable results for clients, particularly in the fintech and financial services space.Topics Covered
In this episode, Kevin and Arnold explore a range of topics, starting with Arnoldâs entrepreneurial journey and how he transitioned from engineering to tech startups. They dive into the importance of customer experience in fintech, and how G Reminders focuses on automating workflows for financial advisors. The conversation also covers the evolution of software as a service (SaaS), the growing need for integration between systems, and the impact of artificial intelligence on business productivity. Additionally, Arnold shares insights into the challenges and rewards of entrepreneurship, offering valuable advice for those looking to streamline their business operations through automation. -
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In this episode of Pay Pod, host Kevin Rosenquist sits down with Eitan Koter, founder of Vimmi, to discuss the future of e-commerce through the lens of video. Eitan shares how Vimmi has transformed the way businesses engage with their customers by creating shoppable video experiences. From live shopping events to seamless integration with social platforms like TikTok, Eitan dives into how video is revolutionizing the digital commerce landscape. As the use of video becomes essential in driving sales and boosting brand loyalty, this episode uncovers the strategies businesses need to stay ahead in the evolving e-commerce space.
The conversation covers how video is poised to take over e-commerce and why itâs becoming a must-have tool for brands. With insights on AI, short-form videos, and live shopping, this episode is packed with actionable takeaways for marketers looking to harness the power of video in the digital age.
Lessons Youâll LearnIn this episode, you'll learn how video is reshaping the world of e-commerce and why itâs key to driving customer engagement and loyalty. Eitan explains how shoppable videos increase conversions by allowing customers to interact with products directly within the video. He also discusses the importance of authenticity, especially during live shopping events, and why having the right host can make or break an event.
You'll also gain insights into how AI is simplifying video content creation, making it more accessible for brands of all sizes. From enhancing customer support with video to leveraging platforms like TikTok and Instagram for social commerce, this episode provides valuable lessons on how to effectively integrate video into your marketing strategy.
About Our GuestEitan Koter is the founder of Vimmi, a cutting-edge platform that helps businesses create shoppable video experiences. With over a decade of experience in video technology, Eitan has been at the forefront of the video e-commerce revolution. He recognized early on the potential of video in driving engagement and sales and has since helped numerous brands connect with their audiences through interactive video content.
Vimmiâs platform has been a game-changer for brands looking to leverage video in their marketing and sales strategies. Eitanâs deep knowledge of video technology, combined with his innovative approach to e-commerce, makes him a thought leader in the industry. His vision for the future of e-commerce is rooted in the belief that video will continue to drive customer interactions and fuel the growth of online retail.
Topics CoveredThis episode covers a wide range of topics related to video in e-commerce. Eitan and Kevin explore how video is becoming a central part of social commerce, particularly on platforms like TikTok and Instagram. They discuss the rise of live shopping events and how brands can use these events to build loyalty and drive sales. The importance of authenticity in video content, especially in live streams, is also highlighted, as is the role of AI in streamlining video creation.
The conversation also touches on generational trends, revealing how Millennials and Gen X dominate video-based e-commerce spending. Eitan shares insights on how shoppable videos are transforming consumer behavior, the future of live shopping, and why video is a must-have tool for marketers today.
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In this episode of Pay Pad, host Kevin Rosenquist sits down with Andre F., CEO and co-founder of Incognia, to explore the future of mobile identity solutions and digital security. The conversation dives deep into the concept of location intelligence, a cutting-edge method for enhancing user security without compromising on user experience. Andre explains how analyzing device behavior and location patterns can help distinguish legitimate users from fraudsters, offering a seamless yet secure experience for app users. This discussion also touches on the limitations of traditional security measures, like two-factor authentication (2FA), and highlights the potential of real-time user recognition to improve both safety and usability.
The episode further explores the challenges and opportunities in the evolving landscape of fintech and digital payments. Andre shares his insights on the need for innovation in security measures, especially as real-time payments become more prevalent. He also discusses the importance of transparency and user education in building trust in new technologies. Listeners will gain a comprehensive understanding of how companies can strike the delicate balance between robust security protocols and maintaining a smooth user experience in todayâs fast-paced digital environment.
Lessons Youâll LearnListeners of this episode will learn about the innovative strategies employed by Incognia to enhance mobile security and reduce fraud. Andre F. explains the importance of location intelligence in the fintech sector, providing insights into how this technology can identify suspicious activities and prevent unauthorized access without creating friction for the user. You will discover why traditional methods like SMS-based two-factor authentication are increasingly viewed as inadequate and how modern solutions can provide superior protection.
Additionally, Andre shares valuable lessons for entrepreneurs in the tech space, discussing the critical importance of resilience and adaptability in business. He emphasizes that while technology and innovation are essential, understanding customer behavior and maintaining a transparent relationship are equally important for success. This episode is packed with actionable advice for both fintech professionals and aspiring entrepreneurs who want to stay ahead in a competitive market.
About Our GuestAndre F. is the CEO and co-founder of Incognia, a leading provider of mobile identity solutions designed to enhance security and streamline user experience. With a background in computer science and extensive experience in the tech industry, Andre initially started as a tech enthusiast but found his niche in bridging the gap between technology and business. His expertise lies in translating complex business problems into tech solutions, making him a key figure in the fintech community. Andre's innovative approach to leveraging location intelligence for fraud prevention has positioned Incognia at the forefront of mobile security technology.
Apart from his professional endeavors, Andre is also a mentor with Endeavor, a nonprofit organization that supports high-impact entrepreneurs. Having benefited from mentorship early in his career, he now dedicates time to guiding the next generation of tech entrepreneurs, emphasizing the importance of resilience, creativity, and strategic thinking in overcoming business challenges. His unique blend of technical know-how and business acumen makes him a compelling voice in discussions around digital security and entrepreneurship.
Topics CoveredThis episode covers a range of topics centered around digital security, fraud prevention, and fintech innovation. Key topics include the limitations of traditional security measures, such as SMS-based two-factor authentication, and the advantages of using more advanced techniques like zero-factor authentication. Andre F. explains how location intelligence and device recognition can create a seamless, secure user experience, highlighting the critical role of these technologies in protecting sensitive information without adding unnecessary complexity for the user.
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In this episode of Paypod, host Kevin Rosenquist sits down with John Tucker, a seasoned expert in the payments and fintech industry with over 17 years of experience. Currently with National Secure Transport (NST), John discusses the complex world of cash management, armored transportation, and the unique challenges of serving high-risk industries like cannabis. The episode dives deep into the logistics of moving large sums of cash securely and efficiently, highlighting the importance of innovative solutions like smart safes and cashless ATMs. As the cannabis industry grows, John explains how NST helps businesses navigate regulatory complexities, ensuring both safety and compliance.
Lessons Youâll LearnListeners will gain valuable insights into the intricacies of cash management in high-risk sectors, such as cannabis retail, where traditional banking options are limited. John Tucker shares his expertise on the benefits of smart safes and cashless ATMs, which streamline cash handling and reduce risks of theft. Additionally, you'll learn about the importance of compliance and how innovative financial technologies can create safer, more efficient cash transport systems. The episode also touches on the broader trends in fintech, such as embedded payments and the evolving landscape of digital transactions, providing a comprehensive understanding of modern cash management solutions.
About Our GuestJohn Tucker is a veteran of the payments and fintech industry, boasting over 17 years of experience in various roles, from managing high-risk merchant accounts to providing secure transportation for high-value cargo. As a leading figure at National Secure Transport (NST), John plays a pivotal role in developing strategies for secure cash transportation and innovative payment solutions. His background in merchant services and his work with cannabis-related businesses make him a unique authority on navigating the complexities of high-risk sectors. John's passion for fintech and commitment to innovation have been instrumental in helping NST become a significant player in the armored transportation market.
Topics CoveredThis episode covers a range of topics essential for anyone interested in the fintech and payments landscape. Key discussions include the logistics of armored cash transport, especially in the cannabis industry, where federal regulations pose unique challenges. John Tucker explains the different levels of cash management, from basic cash-in-transit services to advanced smart safe solutions that automate the cash handling process. Other topics include the use of cashless ATMs in dispensaries, the impact of the Safe Banking Act on cannabis businesses, and the broader implications of fintech innovations on cash management and security. Whether youâre a retailer, a financial professional, or a fintech enthusiast, this episode provides valuable insights into secure cash handling and payment technologies
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In this episode of Pay Pod, host Kevin Rosenqvist sits down with Will Sealy, co-founder and CEO of Summer, to explore the complexities of the student loan crisis in the United States. With a staggering $1.7 trillion in student debt affecting 45 million Americans, Sealy shares insights on how his company is tackling this issue head-on. The discussion delves into the broken systems that have led to skyrocketing college costs, the impact of student debt on individuals and families, and how Summer is providing innovative solutions through employer partnerships and government programs. If you're grappling with student loans or concerned about future education costs, this episode offers valuable perspectives and practical advice.
Lessons Youâll LearnListeners will gain a deep understanding of the current state of the student loan system and why it's considered one of the most broken financial systems in America. Will Sealy shares actionable insights on how borrowers can navigate this challenging landscape, including tips on accessing government loan forgiveness programs, understanding income-driven repayment plans, and leveraging employer benefits to reduce debt. The episode also highlights the importance of preventative measures, such as early financial planning for college costs, and how these strategies can alleviate the long-term burden of student loans. Whether you're a student, parent, or employer, the lessons from this episode will equip you with the tools to manage and mitigate the impact of student debt.
About Our GuestWill Sealy is a seasoned expert in student loan policy with extensive experience working in government and the private sector. Before founding Summer, Sealy served in the Obama White House and worked alongside Senator Elizabeth Warren, gaining firsthand experience in tackling financial crises and advocating for student loan reform. His passion for social entrepreneurship and helping others has been a driving force throughout his career, from creating safe ride programs in college to co-founding a young professionals board for the DC Central Kitchen. As the CEO of Summer, Sealy is dedicated to simplifying the student loan repayment process and making higher education more accessible for everyone.
Topics CoveredThis episode covers a wide range of topics related to student loans and the broader financial system. Kevin Rosenqvist and Will Sealy discuss the root causes of the student debt crisis, including the rising costs of college education and the impact of state budget cuts on tuition. They also explore the role of government programs in providing relief to borrowers, the benefits of employer-sponsored student loan assistance, and the future of higher education costs. Additionally, Sealy shares his personal journey into social entrepreneurship and how his experiences have shaped his approach to solving complex financial issues. Whether you're interested in student loans, public policy, or fintech innovations, this episode has something for everyone.
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In this episode of Pay Pod, host Kevin Rosenquist welcomes Bentzi Aviv, the Global Head of Fintech Solutions at Amdocs. With over 20 years of experience, Bentzi shares his journey from a software engineer to his current leadership role. The conversation delves into his insights on work-life balance, the evolving role of technology in financial services, and the importance of a personalized approach in banking. Bentzi highlights the need for financial institutions to adapt to technological advancements and regulatory changes to remain competitive and meet customer expectations.
Lessons Youâll LearnListeners will gain valuable insights into the significance of personalization in financial services and how it can create a trusted advisor relationship between banks and their customers. Bentzi discusses the importance of understanding customer needs and leveraging technology to provide tailored solutions. He also emphasizes the role of AI in enhancing decision-making processes and improving customer experiences. Additionally, Bentzi shares his personal strategies for achieving work-life balance, underscoring the importance of having a supportive partner and engaging in activities that allow for mental rejuvenation.
About Our GuestBentzi Aviv is the Global Head of Fintech Solutions at Amdocs, a leading software and services provider to communications and media companies. With a career spanning over two decades, Bentzi has held various roles within Amdocs, from software engineering to project management and sales. His diverse experience across different sectors has equipped him with a unique perspective on the financial services industry. Bentzi's passion for technology and commitment to continuous learning have been pivotal in his professional growth, making him a key player in driving Amdocs' fintech innovations.
Topics CoveredThis episode covers a wide range of topics, including the evolution of Bentzi Aviv's career at Amdocs, the challenges faced by financial institutions in adopting new technologies, and the critical role of personalization in banking. Bentzi explains how regulatory changes, such as the introduction of open banking APIs, are reshaping the financial landscape. He also discusses the potential of AI to revolutionize various aspects of banking, from customer service to risk management. The conversation provides practical advice for professionals looking to advance their careers and achieve a healthy work-life balance.
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In this episode of Pay Pod, host Kevin Rosenquist interviews Laurent Charpentier, the CEO of Yooz, a leading provider of cloud-based accounts payable automation solutions. With a background in electrical engineering and computer science from MIT, and experience as a competitive swimmer, Laurent brings a unique perspective to the intersection of technology and leadership. The conversation delves into the role of AI and machine learning in automating accounting tasks, the future of fintech, and the qualities that make a great leader. Laurent shares his journey from his academic beginnings in France to becoming a CEO, highlighting the lessons learned along the way.Listeners will gain insights into the impact of AI and automation on the fintech industry, particularly in accounts payable processes. Laurent explains how AI is revolutionizing document capture, data extraction, and fraud detection, making these processes more efficient and accurate. He also discusses the importance of leadership, emphasizing the value of having a clear vision, building a strong team, and fostering a positive work culture. Additionally, Laurent offers advice on how small and medium-sized businesses can benefit from automation, debunking the myth that automation is only for large enterprises.
About Our GuestLaurent Charpentier is a visionary leader and the current CEO of Yooz, a company at the forefront of cloud-based accounts payable automation. With a degree in electrical engineering and computer science from MIT, Laurentâs academic and professional journey is marked by a blend of technical expertise and leadership acumen. Born and raised in the south of France, Laurentâs early passion for swimming led him to the varsity swim team at MIT, where he not only excelled academically but also embraced the competitive spirit of sports. His professional career began at Accenture, where he honed his skills in IT transformation and ERP implementations, setting the stage for his future role as a leader in the fintech industry.
Topics CoveredThe episode covers a wide range of topics, including the application of AI and machine learning in fintech, the evolution of accounts payable automation, and the future of fraud detection in the digital age. Laurent discusses the importance of staying on top of technological advancements while maintaining a strong ethical foundation in AI development. He also touches on the challenges and rewards of leading a growing company, emphasizing the importance of team building, promoting from within, and fostering innovation. The conversation also explores Laurentâs personal journey, from his academic achievements to his rise as a CEO, offering listeners valuable insights into the intersection of technology, leadership, and sports.
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In this episode of Pay Pod, host Kevin Rosenquist sits down with Cole Riccardi, founder of Authentic, a company revolutionizing the insurance industry through captive insurance programs. Captive insurance allows businesses, especially small ones, to pool resources and create tailored insurance solutions that can return profits to the group if claims are low. Cole shares his journey from being inspired by a horse stableâs insurance program to launching Authentic, which is now helping various businesses, from gyms to salons, build their own insurance programs. This episode offers valuable insights into a lesser-known aspect of the insurance industry and how it can benefit small businesses.
Lessons Youâll LearnListeners will gain a comprehensive understanding of captive insurance, a concept that allows businesses to take control of their insurance needs, potentially saving money and creating more aligned incentives. Cole Riccardi explains how Authentic simplifies the complex process of setting up these programs, making it accessible to small businesses and affinity groups. The episode also touches on the challenges of entrepreneurship, including the importance of timing and passion when starting a business. Additionally, listeners will learn about the potential for captive insurance to expand into areas like health insurance, offering even more benefits to small businesses.
About Our GuestCole Riccardi is the founder of Authentic, a company that helps businesses build and manage captive insurance programs. Originally from Madison, New Jersey, Cole played lacrosse at Notre Dame before embarking on a career in finance. He worked at Aquiline Capital, where he gained deep insights into the insurance sector. Inspired by a family member's success with a horse stableâs captive insurance program, Cole left his stable job to start Authentic in 2022. His passion for the idea and his expertise in insurance have driven Authenticâs success, with the company now serving over ten platforms and continuing to grow.
Topics CoveredThe conversation covers the basics of captive insurance, including how it works and why itâs beneficial for small businesses. Cole Riccardi explains the process of setting up a captive insurance program, the challenges involved, and how Authentic has streamlined this process to make it accessible to a wider audience. The episode also explores the potential for expanding captive insurance into health insurance, offering even more value to small businesses. Cole shares his journey as an entrepreneur, discussing the risks and rewards of leaving a stable job to pursue a passion-driven idea
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In this episode of Pay Pod, Kevin Rosenquist chats with Nic Beique, founder of Helcim, a Canadian fintech company revolutionizing payment processing for small to medium-sized businesses. Nic shares his journey of building Helcim, starting from its early days in 2006 as a traditional payments reseller to its transformation in 2020 into a full-fledged payment processing powerhouse. The conversation covers the challenges and opportunities in the fintech space, the importance of fair pricing in payment processing, and how Helcim is positioning itself against industry giants like Square and Stripe by targeting more established businesses in the mid-market.
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Listeners will gain insights into the evolution of payment processing and how Helcim is disrupting the market by offering more affordable and transparent pricing structures. Nic Beique emphasizes the importance of building technology in-house to maintain competitive margins and avoid the industry-standard 2.9% transaction fee. He also discusses the challenges of hardware development for point-of-sale systems and how Helcim overcame these obstacles to provide a seamless experience for its customers. Additionally, Nic touches on the unique hurdles faced by Canadian fintech companies due to monopolistic market structures and the importance of fostering domestic innovation.
About Our Guest
Nic Beique is the founder and CEO of Helcim, a Calgary-based fintech company that offers payment processing solutions tailored to the needs of small and medium-sized businesses. With a background in technology, Nic has led Helcim through significant growth and transformation, focusing on delivering better rates and exceptional service to businesses often overlooked by larger payment processors. His passion for innovation and his dedication to leveling the playing field for Canadian businesses make him a prominent figure in the fintech industry. Outside of his professional endeavors, Nic is a proud new father, balancing the demands of entrepreneurship with the joys of fatherhood.
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This episode covers a range of topics essential for anyone interested in fintech and payment processing. Nic Beique discusses the competitive landscape of payment processors, including how Helcim differentiates itself by targeting mid-sized businesses. The conversation delves into the intricacies of payment technology, the importance of owning the entire technology stack, and the challenges of hardware development for point-of-sale systems. Nic also shares his thoughts on the Canadian fintech market, the impact of monopolies on innovation, and his experiences with raising venture capital. Additionally, listeners will learn about the leadership lessons Nic has gathered throughout his journey, particularly the value of networking and mentorship in the startup ecosystem
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