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  • Miguel Armaza sits down with Samir Chaibi, investor at Insignia Ventures Partners, a Southeast Asian growth and venture investing fund with over $350 million in assets under management, where he specifically focuses in backing fintech startups. Prior to Insignia, Samir spent many years working around the world and got his MBA at our Wharton School.

    We discussed:
    - Samir’s background and his path to venture capital
    - Company history for Insignia Ventures Partners, their investment thesis, and a bit about the portfolio companies
    - The evolution and current state of the fintech ecosystem in Southeast Asia
    - The surprising parallels between fintech in Latin America and Southeast Asia
    - His outlook of the regional future of the industry
    - And a lot more!

    Samir Chaibi

    Samir Chaibi is a Principal at Insignia Venture Partners (IVP), a Southeast Asia-focused growth and venture investing fund with US $350M+ in AuM. Prior to IVP, Samir was a venture investor at STRIVE, a Tokyo headquartered VC fund deploying capital into seed rounds across Japan, Southeast Asia, and India.

    Samir started his career in investment banking with Lazard (France) and Citigroup (UK) before transitioning to private equity and joining the Qatar Investment Authority (QIA), a US $400bn+ sovereign wealth fund. Samir also co-founded DocEx Legal, a legal technology startup, leveraging an experienced team of lawyers based in South Asia to solve the legal talent gap across the Middle East. Samir graduated from a three-year dual-degree MBA/MPA program at The Wharton School, University of Pennsylvania and Harvard University, John F. Kennedy School of Government with a focus on entrepreneurship, finance, and technology policy.

    About Insignia Ventures Partners

    Insignia Ventures Partners is an early-stage technology venture capital firm focusing on Southeast Asia since 2017, managing capital from premier institutional investors including sovereign wealth funds, foundations, university endowments and renowned family offices from Asia, Europe and North America.

  • Miguel Armaza sits down with Eyal Shinar, Co-Founder and Executive Chairman of Fundbox, a company focused on disrupting the $21 trillion B2B commerce market by launching the world’s first B2B payments and credit network.

    Since its inception in 2013, Fundbox has raised more than $300 million dollars from leading investors like Khosla Ventures, General Catalyst, Spark Growth Capital, and Jeff Bezos.

    We talked about
    - Company origins
    - Customer acquisition and distribution strategies
    - Entrepreneurial challenges
    - Reflections around the PPP loan program in the US and the company’s incredibly meaningful role at the height of COVID to disburse and fund these loans to small businesses.
    - His thoughts on the key and strategic roles of fintech and tech during the pandemic
    - Lessons for entrepreneurs
    - And a whole lot more!

    Eyal Shinar

    Eyal Shinar is the Executive Chairman & Co-Founder of Fundbox. Prior to his current role he served as a vice president at Battery Ventures where he led many projects and investments in the areas of finance, machine learning and software as a service. Additionally, Shinar was one of the first employees of Old Lane, a $5.5 billion New York-based global hedge fund (later acquired by Citigroup), and also worked for Castle Harlan, a leading $6 billion NYC-based buyout firm. Shinar earned his MBA from The Wharton School of Business at the University of Pennsylvania.

    About Fundbox

    Fundbox is a leading financial technology company focused on disrupting the $21 trillion B2B commerce market by launching the world’s first B2B payments and credit network. With heavy investments in machine learning and the ability to innovatively analyze transactional data, Fundbox is reimagining B2B payments and credit products in new category-defining ways.
    Fundbox has received numerous accolades for innovation including the prestigious Forbes A.I. 50, Red Herring North American 100, Forbes Fintech 50, CB Insights Fintech 250, Benzinga 2019 Fintech Listmakers, Forbes Billion Dollar Startup To Watch among others. Since the company’s founding in 2013, Fundbox has raised more than $300 million from a blue-chip group of investors led by Khosla Ventures, General Catalyst, Spark Growth Capital, and Jeff Bezos.

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  • What happens after you hit “buy” on that $300 order of Shopify stock (worth over $1,100 as of the day of the episode)?

    Fractional trading has become one of the hottest product features in Fintech, democratizing access to expensive shares (AMZN, BRK-A, CMG, etc.) to everyday investors. In addition, they allow more precise and comfortable investing and budgeting, as people can designate a notional dollar amount toward a purchase.

    But how exactly do you buy .3 of a share? Enter Apex Clearing, a PEAK6 company, one of the most innovative and digital-first clearing and custody platforms in the world. Apex powers the fractional capabilities of many companies you may use today, including Stash, M1 Finance, broker-dealers, major banks, and RIAs. They also powered Robinhood up until recently.

    In today’s episode, Ryan Zauk sits down with Apex’s Chief Product Officer, Dustin Kirkland, to learn about:
    - Dustin’s unusual path to FinTech (2:00)
    - What Apex does (8:00)
    - What is clearing & custody (9:00)
    - Clearing & Market Making (11:00)
    - The nuts & bolts of Fractional Trading (15:00)
    - Crypto trading and how it will disrupt equities (20:18)
    - And a rapid-fire round including the best Austin BBQ and some shared love for the Grateful Dead

    For more insights and analysis from FinTech leaders, follow us below:
    Medium: medium.com/wharton-fintech
    WFT Twitter: twitter.com/whartonfintech
    Ryan's Twitter: twitter.com/RyanZauk
    LinkedIn: www.linkedin.com/company/wharton-fintech-club/
    Facebook: www.facebook.com/whartonfintech/
    Instagram: www.instagram.com/whartonfintech/

    Apex Clearing is a custody and clearing engine that’s powering the future of digital wealth management. Our proprietary enterprise-grade technology delivers speed, efficiency and flexibility to firms ranging from innovative start-ups to blue-chip brands focused on transformation to capture a new generation of investors. We help our clients provide the seamless digital experiences today’s consumers expect with the throughput and scalability needed by fast-growing, high-volume financial services businesses. Founded in 2012, Apex Clearing is registered with the SEC, a member of FINRA and a Participant in SIPC.

  • Miguel Armaza interviews Kathleen Utecht, Managing Partner at Core Innovation Capital, a venture capital firm, with offices in Los Angeles and San Francisco, investing in high-growth financial technology companies that can unlock upward mobility for everyday Americans. Kat holds a Bachelor’s Degree from Babson College and an MBA from The Wharton School.

    We talked about:
    - Kat’s journey, from family upbringing, schooling, all the way to how she ended up in VC
    - Why she continues to be excited about Fintech, even after investing in the sector for over a decade
    - What’s changed in the industry over the past few years
    - Core’s investment and valuation approach and how they work with portfolio companies to prepare them from seed, to series A, and beyond
    - Her vision for Core’s future
    - And a lot more!

    Kat Utecht

    Kat Utecht is co-managing partner of Core Innovation Capital, an early stage venture capital fund making mercenary returns through missionary investments in financial services and insurance technology. Portfolio companies include HealthSherpa, Bestow, Ripple and Synapse. Prior to investing with Core and at Comcast Ventures, Kat was CEO of Green Rock Entertainment, a commerce company acquired by private equity in 2009. Kat began her career in financial services, both as an investment banker and a graduate of General Electric Capital's Financial Management Program. Kat has an MBA from The Wharton School of the University of Pennsylvania and a BS from Babson College.

    About Core Innovation Capital

    Core Innovation Capital is an an early stage venture capital fund making mercenary returns through missionary investments in financial services and insurance technology. Core invests across three themes: 1. Modernizing financial and insurance infrastructure, 2. Expanding access to better financial services and insurance, and 3. Creating wealth through fintech adjacencies that help increase a household or SMB GDP. We optimize our portfolio by focusing on high conviction, early-stage investments with the flexibility to participate in unique opportunities across the venture lifecycle. Our main value add is our contacts - regulatory (e.g. state insurance regulators, CFPB), people flow (internal database for hiring), commercial contracts (e.g. insurers / reinsurers; lenders / debt capital, SaaS customers) - and to bounce ideas off of since we are so focused. Investments include Ripple, NerdWallet, and Oportun, among many others. For more information, visit www.corevc.com.

  • Miguel Armaza sits down with Laura González-Estéfani, Founder and CEO of The Venture City, a global accelerator and venture capital fund of emerging ecosystems specialized in growth with the mission to help entrepreneurs from all over the world.

    Prior to Venture City, Laura spent many years at Facebook, eBay, Siemens, and Ogilvy Group.

    We talked about

    - Laura’s career in big tech
    - Her decision to leave Facebook and launch the Venture City
    - The challenges of building a fund and why she believes she leads the most diverse VC in the industry
    - Her decision to base the company in Miami (before the Miami twitter crazy of 2020, I should add)
    - Her investing and portfolio management approach
    - What excites her about investing in fintech around the world
    - And much much more!

    Laura González-Estéfani

    Laura spent nearly nine years with Facebook in various roles supporting overall growth strategies. Laura led the Growth, Mobile & Partnerships team for Latin America, spearheading the Internet.org and connectivity initiatives from Silicon Valley and later Miami. Before Facebook, Laura held management roles at eBay, Siemens and Ogilvy Group.

  • Miguel Armaza sits down with Dan Henry, CEO of Green Dot (NYSE: GDOT), a 20-year-old company focused on making modern banking and money movement accessible for everyone. Green Dot also recently launched Go2Bank a digital bank for Americans living paycheck to paycheck.

    Green Dot is far from being Dan’s first rodeo. In fact, this is the third publicly listed company he’s led in the last three decades. He previously served as CEO of Netspend, a leading provider of prepaid debit cards, and led the company through its IPO and eventual sale to TSYS Corporation. Prior to Netspend, he co-founded Euronet Worldwide (NASDAQ: EEFT), a leader in secure electronic financial transaction processing, where he served as President and COO from 1994 through 2006.

    We talked about:

    - Dan’s entrepreneurial and international fintech journey since the early 90s
    - What motivates him and why entrepreneurs are his favorite type of folks
    - Two fundamental things he believes make a business successful
    - The evolution of fintech
    - Why he came out of retirement to lead GreenDot
    - What led him to launch Go2Bank in January 2021 and a bit about their Go2Market strategy
    - Reflections for aspiring founders
    - And a whole lot more!

    Dan Henry

    Dan Henry joined Green Dot as CEO in early 2020 with a vision to maximize the potential of the 20-year-old digital bank and make modern, affordable banking and payments accessible to everyone. He previously served as CEO of Netspend, a leading provider of prepaid debit cards for personal and commercial use, from 2008 to 2014. In 2010, Mr. Henry led Netspend through its initial public offering, and in July 2013 completed an all-cash sale of the company to TSYS Corporation, valued at $1.4 billion USD. Prior to Netspend, Mr. Henry co-founded Euronet Worldwide (NASDAQ: EEFT), a leader in secure electronic financial transaction processing, where he served as President and Chief Operations Officer from 1994 through 2006, and remained on the company’s Board until 2008. Mr. Henry has been Chairman of Paysign Inc (NASDAQ: PAYS), a vertically integrated provider of innovative prepaid card programs, digital banking and processing services for corporate, consumer and government application, since 2018. He also served as a director of The Brink’s Company (NYSE:BCO) from 2017 through early 2020.

    About Green Dot

    Green Dot (NYSE: GDOT) is a financial technology and registered bank holding company focused on making modern banking and money movement accessible for all. Our proprietary technology enables faster, more efficient electronic payments and money management, powering intuitive and seamless ways for people to spend, send, control and save their money. Through our retail and direct bank, we offer a suite of financial products to consumers and businesses including debit, prepaid, checking, credit and payroll cards, as well as robust money processing services, tax refunds, cash deposits and disbursements.

    GO2bank is FDIC-insured, so your money is protected up to the maximum allowable limit. And GO2bank is a brand of Green Dot Corporation, founded in 1999 and headquartered in Pasadena, CA. Green Dot has served more than 33 million consumers directly over the last 20 years and many more through our banking partners.

  • What do you think of when you hear “stock trading”? For most of us in 2020, we thought of YOLO Calls, Tesla Bulls, Robinhood, Wall Street Bets, and Day Trading. Going back to earlier days, you might think of men in suits on the phone, scrambling to buy & sell stocks.

    The culture of the market needs to change. Enter Public.Com, the stock investing app with a social, community-based focus making stock trading approachable (and free) for everyday people.

    On today’s episode, Ryan Zauk sits down with Co-Founder Leif Abraham to learn how Public is changing the culture of the market through approachability, community, in-app features, and celebrities like Tony Hawk and Adrian Grenier (netting 40% female users, an industry-high).

    Public has taken social media and FinTech by storm, and just raised $65M in a Series C backed by A list celebrities (Chainsmokers, Tony Hawk) and VCs (Accel, Greycroft) who are also prominent users of the platform.

    Lief and Ryan cover a ton in this episode, including
    - What FinTech marketers get wrong (and how they can fix it)
    - How Public has focused on building its app to reach 40% female users in a male-dominated market
    - A flurry of marketing tips and frameworks around K-Factor, Retention, Content Marketing, and more
    - Tangible advice on how to build a culture that democratizes and scales decision making
    ...And much more

    This is one of our most information-dense episodes to date – Leif does not disappoint.

    For more insights and analysis from FinTech leaders, follow us below:

    Medium: medium.com/wharton-fintech

    WFT Twitter: twitter.com/whartonfintech

    Ryan's Twitter: twitter.com/RyanZauk

    LinkedIn: www.linkedin.com/company/wharton-fintech-club/

    Facebook: www.facebook.com/whartonfintech/

    Instagram: www.instagram.com/whartonfintech/

  • Miguel Armaza sits down with Andrew Lerner, Managing Partner of IA Capital Group, a New York-based private investment firm and manager of the Inter-Atlantic funds, that’s dedicated to partnering with innovative entrepreneurs in venture and growth capital across InsurTech and FinTech.

    Andy has been at the company since 1995 and is responsible for the day-to-day activities of IA Capital, and is a member of its investment committee. He holds a Bachelors in Electrical Engineering and Computer Science from Princeton University and an MBA from our amazing Wharton School

    We talked about
    - Andy’s background
    - What drove him to fintech VC in the mid-1990s
    - His take on the evolution of the fintech industry
    - The advantages of being in an industry with meaningful tail winds
    - Why he’s excited about InsurTech for the foreseeable future
    - Importance of Financial Empowerment, along with diversity and inclusion
    - Why he prefers backing young entrepreneurs and thinks experience is overrated
    - The effects of COVID on their portfolio
    - And much, much more!

    Andrew Lerner

    Andrew Lerner is Managing Partner of IA Capital Group, where he has been employed since 1995. Mr. Lerner is responsible for the day-to-day activities of IA Capital, and is a member of its investment committee. In 2000, he launched IA Capital's venture capital business which is now the firm’s core activity. Mr. Lerner was also President and Managing Director of Guggenheim Securities, LLC, IA Capital's former broker-dealer business, until 2003. Mr. Lerner is a Director of Homeowners of America, SMArtX, Crown Global Insurance Group, Credit Sesame, Wellthie, Boost, SmartAsset, Gainfully, and Matic. Mr. Lerner has over 25 years of experience in the financial services industry. Prior to joining IA Capital, he served as an investment banker in the Financial Institutions Group of Smith Barney Inc. for four years and in its Mortgage and Asset Finance Group for two years. Mr. Lerner holds a B.S.E. in Electrical Engineering and Computer Science from Princeton University and an M.B.A. in Finance from The Wharton School, University of Pennsylvania. He serves as a director of Transportation Alternatives.

    About IA Capital Group

    IA Capital is the longest-tenured independent venture capital firm focusing on insurtech. Based in New York City, IA Capital has a two-decade track record of successfully partnering with innovative early and growth stage companies in insurance and—more broadly—financial services. IA is currently investing in its sixth, seventh, and eighth venture capital funds and manages strategic venture capital programs for 15 insurers. Learn more at iacapgroup.com.

  • Miguel Armaza sits down with Dave Unsworth and Kerri Golden from Information Venture Partners, a Canadian Venture Capital firm that primarily invests in early-stage North American B2B FinTech and enterprise software.

    We talk about:
    - Dave and Kerri’s transition from operators to investors
    - IVP’s relationship with the Royal Bank of Canada
    - Fundraising from institutional LPs
    - The duo’s strategy to invest in the next generation of leaders
    - The importance of engineering a culture early on
    - Interesting fintech trends
    - The role of a CFO at a Venture Capital firm
    - And a lot more!

    Dave Unsworth

    Dave Unsworth co-founded Information Venture Partners in 2014. Dave has led investments in eSentire (exited, 2017), Verafin, Sensibill, Igloo Software (exited, 2017), Viigo (acquired by BlackBerry), Coconut Software, BigID, Knowtions and LendingFront. Dave is focused on FinTech and Enterprise software and is particularly interested in cybersecurity, mobile, enterprise 2.0 and ventures that create highly valuable data assets by being at the center of large-scale financial transactions. Prior to founding Information Venture Partners Dave worked as an investor with RBC Venture Partners from 2001. Prior to his career in venture capital, Dave had a successful career in operating roles focused on e-commerce strategy development, technology-enabled financial services product development, technology project management and retail/commercial financial services. Dave is an active member in the start-up community in Toronto and Waterloo as a mentor to early-stage CEOs and founding teams. Dave also serves as a mentor in the Kaufmann Fellows program and more recently with the Holt FinTech Accelerator and as an investment committee member for the Investment Accelerator Fund. Dave has been a frequent contributor to Private Capital Magazine. Dave is an original member and past Chair of the Financial Services Venture Capital Alliance. Dave was granted an MBA from Queen’s University, a Bachelor of Arts Degree in Economics from Wilfrid Laurier University. He is also a graduate of the NVCA’s Venture Capital Institute and the Rotman SME Board Effectiveness Program.

    Kerri Golden

    Kerri Golden joined Information Venture Partners at inception in 2014 and works with the investment team to help select and support the fund’s investee companies and manage the financial operations of the fund. She has over 30 years of general management and finance experience in a variety of technology industries and she’s been active in securing financings of over $1 billion in equity and debt and in negotiations of a number of merger and acquisition transactions. Kerri was a General Partner of Primaxis Technology Ventures for eight years where she led and managed several investments in early-stage companies in the IT, software and communications sectors and also served as CFO of the fund. Kerri had a successful corporate career with high growth technology companies. She was a mobile pioneer at Rogers Wireless, joining prior to service launch and experiencing start-up challenges and opportunities as company grew from zero to $200M in revenue during her 2.5 year tenure. She was a public company CFO at Alliance Atlantis Communications and Lorus Therapeutics and ended her successful 7-year career at Bell Mobility as CEO, Paging Division after progressive leadership positions in Finance and IT. Kerri is an experienced start-up executive. She co-owns a small business Urban Flats Toronto and served as COO at SeaWell Networks and CFO at Infobright. She serves the start-up community as an active mentor at MaRS, where she co-founded the JOLT Fund and continues to serve as a volunteer general partner. Kerri obtained an HBA from the Richard Ivey School of Business at the University of Western Ontario and earned her CA designation while working with KPMG in Toronto.

  • Miguel Armaza sits down with Noah Kerner, CEO of Acorns, a mobile savings and investment platform that has raised hundreds of millions of dollars from PayPal, Bain Capital Ventures, DST Global, NBC, Comcast, Greycroft as well as a long list of Hollywood celebrities including The Rock and Jennifer Lopez.

    Originally from New York City’s East Village, Noah is a 4-time entrepreneur who at one point DJ'ed for Jennifer Lopez, built a creative agency in his 20s, and is also a Co-Founder of the shareholder rights fintech startup Say.

    We discuss:

    - Noah’s eclectic background
    - Why he only pursues projects that make him come alive
    - His journey at Acorns and the evolution and challenges over the years
    - Their approach to building company culture, defining corporate values, and recruiting talent
    - The surprising effects of COVID on their business
    - Entrepreneurial advice
    - And a whole lot more!

    Noah Kerner

    Born in New York City’s east village, Noah Kerner is the CEO of the micro-investing app Acorns and co-founder of the shareholder rights startup Say. His background is colorful: 4X entrepreneur, Co-author of "Chasing Cool” with the former CEO of Barneys, and former DJ for Jennifer Lopez. In his 20s, Noah built the leading creative agency for the young adult market, Noise. Before being acquired by Engine, Noise developed hundreds of products and marketing campaigns for this generation including Facebook’s first application, the first credit card to reward responsibility rather than spending for Chase, Vice's music site Noisey, and the top branded game in the App Store. Noah has been recognized as one of Billboard Magazine’s “Top 30 Under 30,” AdWeek’s “Top 20 Under 40,” Fast Company’s “Innovation Agents” and “Impact Council” members, and as a judge for the Webby Awards. He has also advised and invested in a variety of fast-growing startups, including WeWork, where he served as the first Chief Strategy & Marketing Officer from 2013-2014. Passionate about educating today’s youth, Noah has lectured on entrepreneurialism, fintech, and media at NYU, UCLA, Stanford, and Columbia and currently serves on the Board of VH1's Save The Music Foundation. Noah is a graduate of Cornell University where he studied Psychology and Economics.

    About Acorns

    Acorns is the country's fastest-growing saving and investing app helping more than 8.2 million save and invest for the future. Its easy-to-use, mobile-first technology makes it simple for anyone to set aside and invest life's spare money. Acorns allows customers to automatically invest in a low-cost, diversified portfolio of exchange-traded funds offered by some of the world's top asset managers (including Vanguard and BlackRock). Customers grow their wealth in one of five portfolios constructed with help from world-renowned Nobel laureate economist Dr. Harry Markowitz. Acorns' smart portfolio algorithms automatically work in the background of life, helping users build wealth naturally, pennies at a time. From Acorns mighty oaks do grow.

    Acorns is accessed simply and easily via the app for iPhone, Android, or desktop. Visit Acorns.com for more.

  • As 2020 comes to a close, we bring you a special episode featuring our hosts, Miguel Armaza and Ryan Zauk.

    You will finally get to hear from the hosts themselves as they share:

    - Some of the major trends they've seen after interviewing over 100 FinTech leaders.
    - Some funny anecdotes & growing pains.
    - The hyper-growth of Wharton FinTech.
    - Tips on turning a podcast into a rocketship.
    - And provide a sneak preview at what's ahead for 2021...

    Thank you to all of our listeners for your incredible support during this memorable year. We have great plans for 2021 to keep bringing you insights on the companies, founders, investors, and trends shaping financial services.

  • "The most contrarian take I have is that there is value in working with consumers in debt."

    Here are a few stats for you:
    - The average US household as of November pays almost 9% of its income to debt
    - Total household debt reached $14.35 trillion this fall per the New York Fed
    - The average person in debt owes money to 4 different lenders

    The current process for debt collections  --  a highly sensitive, case-by-case, and often life-defining financial situation -- has not evolved much in the last 50 years. The process is still how most would imagine…a collections team is assigned a low-base salary and high-commission, and is tasked with harassing debtors multiple times a day with a one size fits all approach. This process is inflexible, stressful, and borderline inhumane as each person has unique financial needs.

    Enter Ohad Samet and TrueAccord. After honing his time at companies like Fraud Sciences (acquired by PayPal), Signifyd, and Klarna (as their CRO), Ohad recognized this enormous problem and the need for a better solution.

    Fast forward to 2020, TrueAccord has built a digital-first, ML-powered, humane debt collection agency that leads with empathy. TrueAccord's successes have been incredible, with collection rates 30–50% higher than industry averages and an NPS of 40 (astoundingly high for a debt collections agency, and higher than a lot of financial institutions).

    TA's impact on daily lives cannot be understated. One stat I loved - "85% of customers wouldn't have been able to repay their debt without the highly flexible payment plans we offer."

    In today's episode, Ohad comes on the show to discuss:
    - The different ways TrueAccord engages with the customer, and how that approach has shifted overtime thanks to Machine Learning
    - 3 questions about debt that he bets none of our listeners can answer
    - Why his HQ2 city, Kansas City, is a hidden talent and cost of living gem
    - The cruciality of mission-alignment in business and at TrueAccord (P.S. they're hiring!)
    - Navigating FinTech partnerships
    - A special "rapid-fire" question set
    …and much more.

    For more insights and analysis from FinTech leaders, follow us below:

    Medium: medium.com/wharton-fintech

    WFT Twitter: twitter.com/whartonfintech

    Ryan's Twitter: twitter.com/RyanZauk

    LinkedIn: www.linkedin.com/company/wharton-fintech-club/

    Facebook: www.facebook.com/whartonfintech/

    Instagram: www.instagram.com/whartonfintech/

  • Miguel Armaza sits down with Rohit Arora, CEO and Co-Founder of Biz2Credit, a New York based company that offers financing, research, and educational resources to small businesses. Rohit and his brother founded Biz2Credit in 2008 and in the last 13 yrs the firm has arranged $2B in funding and registered over 200,000 clients. They have also raised over $60M in equity and $300M in debt from investors including Westbridge Capital and Nexus Venture Partners.

    We discussed
    - Rohit’s journey scaling Biz2Credit
    - Fundraising challenges as a contrarian entrepreneur
    - Lessons on resilience and leadership
    - The perils of a “growth at any cost” business mindset
    - Biz2Credit’s experience navigating the COVID crisis and what he believes will be the long term effects of the pandemic
    - And a whole lot more

    Rohit Arora

    Rohit Arora, CEO and Co-founder of Biz2Credit is one of America’s top experts in small business finance. He is responsible for driving Biz2Credit to its leadership position in the alternative lending industry among Deloitte’s Technology Fast 500. He holds a Masters in International Business from Columbia University and an Engineering degree from Delhi University. Rohit is often quoted about small business lending by major news media outlets, including the New York Times, Wall Street Journal, Bloomberg, Entrepreneur, American Banker, CNNMoney, MSNBC, Inc., and the Washington Post. In 2011, he and his brother Ramit were named New York City's “Top Entrepreneurs” by Crain’s New York Business, which also named Biz2Credit among NYC’s “Fast 50” of 2014. Since its inception in 2007, Biz2Credit has arranged $2 billion in funding and now has over 200,000 registered small and mid-sized company clients.

    About Biz2Credit

    Biz2Credit was founded in 2007 with one goal: make the business financing process work better for lenders and their customers. The company is focused on funding what’s next for small businesses and leverages data, cash flow insights, and the latest technology to give business owners an automated small business funding platform. Biz2Credit has provided over $3 billion in small business loans and financing. With over 350 employees globally, the team – made up of engineers, marketers and data scientists – is building the next generation in business lending solutions.

    Biz2Credit is also the company behind the Biz2X Platform. Biz2X is the natural outgrowth of Biz2Credit’s established platform software that brands like HSBC, Oriental Bank, and TATA Capital have chosen to launch new online lending initiatives.

    Biz2Credit raised $52M Series B in 2019 and is headquartered in New York City. Learn more at www.Biz2Credit.com.

  • On today’s episode, Ryan Zauk sits down with Kathryn Van Nuys, Head of Business Development for AWS FinTech. Kathryn was just named one of the Top 50 Women in FinTech by NYC FinTech Women, highlighted as one of the top network builders in the industry.

    Most of us know AWS as the cloud storage and computing behemoth, generating over $35B in revenue and the lion’s share of Amazon’s profits. However, AWS is much more than just cloud. It’s a tailored, industry-by-industry solution that is becoming closer and closer to a one-stop-shop for all things technical startups.

    Kathryn talks about the huge variety of services AWS provides for a who’s who of FinTech, including Chime, Coinbase, Betterment, Nubank, Affirm, and more. AWS served all 50 of Forbes FinTech 50 last year.

    In today’s episode, Kathryn delves into
    - The huge range of services AWS offers startups at each stage of their development
    - Some of their strongest case studies helping clients
    - What sub-verticals she’s paying special attention to
    - The explosion in FinTech partnerships
    ...And much more

    For more insights and analysis from FinTech leaders, follow us below:

    Medium: medium.com/wharton-fintech

    WFT Twitter: twitter.com/whartonfintech

    Ryan's Twitter: twitter.com/RyanZauk

    LinkedIn: www.linkedin.com/company/wharton-fintech-club/

    Facebook: www.facebook.com/whartonfintech/

    Instagram: www.instagram.com/whartonfintech/

  • In this episode, my guest is Santiago Suarez, Co-Founder & CEO of Addi, the leading POS financing platform in Latin America, backed by Andreessen Horowitz, Foundation, Monashees, Quona, and Village Global.

    Prior to returning to his native Colombia to launch Addi, Santiago started his career in finance in New York City at JP Morgan, and later moved to Silicon valley for a leadership role at Lending Club.

    We talk about:
    - Santiago’s entrepreneurial fintech journey and fundraising experience
    - Regional market dynamics
    - The virtues of applying an American credit-scoring approach in Latin America
    - Navigating an evolving regulatory landscape
    - The importance of company culture
    - And a lot more!

    Listen to the full interview --> Spotify | Soundcloud | Apple

    About ADDI

    ADDI was founded in 2018 by co-founders Santiago Suarez, Daniel Vallejo, and Elmer Ortega, to power commerce and make point-of-sale financing accessible to every Latin American merchant and consumer. For more information, visit https://addi.com/.

  • Miguel Armaza sits down with Jan Bellens, Global Head of EY’s Banking & Capital Markets Group. In his role, Jan counsels banks in defining their strategies and supports their implementation with investments, acquisitions, and ambitious organic growth initiatives around the world. He has been supporting banks for the last two decades and has worked with clients in over 20 countries.

    We talk about:
    - Jan’s professional journey and what led him to his current role where he oversees 45k people
    - A few of the trends he’s seeing from banks across different regions
    - What the impact of COVID really means for banks
    - The challenges of managing an organization with 45k+ professionals
    - And much, much more!

    Jan Bellens

    As the EY Global Banking & Capital Markets Sector Leader, Jan counsels banks in defining their strategies and supports their implementation with investments, acquisitions and ambitious organic growth initiatives.

    He has been supporting leading banks’ executive teams with their growth opportunities and multi-year business transformations for the last two decades. He has worked with clients in over 20 countries.

    Before joining EY, Jan was in management consulting for 17 years. He has an MBA from INSEAD.

    About EY Banking and Capital Markets

    EY’s worldwide team of industry-focused assurance, tax, transaction and advisory professionals integrates sector knowledge and technical experience. They work with clients to navigate digital innovation, new business models and ecosystem partnerships, helping banks become the nimble, responsive organizations that customers demand.

    About EY

    EY exists to build a better working world, helping create long-term value for clients, people and society and build trust in the capital markets.

    Enabled by data and technology, diverse EY teams in over 150 countries provide trust through assurance and help clients grow, transform and operate.

    Working across assurance, consulting, law, strategy, tax and transactions, EY teams ask better questions to find new answers for the complex issues facing our world today.

    EY refers to the global organization, and may refer to one or more, of the member firms of Ernst & Young Global Limited, each of which is a separate legal entity. Ernst & Young Global Limited, a UK company limited by guarantee, does not provide services to clients.

    Information about how EY collects and uses personal data and a description of the rights individuals have under data protection legislation are available via ey.com/privacy. EY member firms do not practice law where prohibited by local laws. For more information about our organization, please visit ey.com.

  • In today’s episode, Ryan Zauk sits down with Griffith Norville, Managing Director at Hamilton Lane.

    Over the last decade, the scope of private investments has exploded across products, asset classes, and geographies. LPs, often equipped with just a small investment team, are facing greater difficulty sorting through droves of funds, managers, trends, and data. Hamilton Lane and its cutting-edge product, Cobalt LP, are tackling this problem head-on.

    Griff is the Head of Cobalt LP, a software solution that helps LPs with portfolio construction, benchmarking, and investment selection focused on the private markets. Cobalt also offers front-office analytics and back-office managed services solutions, all backed by Hamilton Lane’s first-class historical data and insights. In addition to this role, Griff helps run strategic technology investments for the firm.

    They talk about the state of Private Markets investing and how the explosive growth of private markets has created such a need for Cobalt LP. They close with his role in strategic tech investing, including how he sourced a deal from a fishbowl (don’t you miss in-person conferences?).

    Hamilton Lane is an alternative investment management firm that provides private markets solutions to investors around the world with over $500B total assets under management and supervision as of September 30, 2020 - Inclusive of $73.1B in assets under management and $474.1B in assets under supervision as of September 30, 2020.

    For more insights and analysis from FinTech leaders, follow us below:

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  • In today’s episode, Anchit Gupta (WG’21) is joined by Neeraj Khandelwal, Co-Founder of CoinDCX. Started in 2018, CoinDCX is India’s largest and safest cryptocurrency exchange and liquidity aggregator. CoinDCX offers users single-point access to a diverse suite of crypto-based financial products and services.

    Neeraj spearheads the technical development of all CoinDCX products. Prior to his role at CoinDCX, he served as Vice President of Engineering at Holachef and Chief Technology Officer at Doormint, leading a team of over 20 talented developers. Neeraj holds a degree in Electrical Engineering from the Indian Institute of Technology Bombay.

    In this interview, Neeraj shares:
    - CoinDCX’s customer base and their investment preferences
    - Awareness of crypto in India and CoinDCX’s efforts to increase it
    - Their competitive landscape and ecosystem in India
    - His business strategy in response to Crypto’s high volatility and risk
    - The future of Cryptocurrency in India

    For more insights and analysis from FinTech leaders, follow us below:

    Medium: medium.com/wharton-fintech

    WFT Twitter: twitter.com/whartonfintech

    Ryan's Twitter: twitter.com/RyanZauk

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  • In this episode, my guest is Henrique Dubugras, Co-Founder & Co-CEO of Brex, a financial operating system for startups and growing companies, with services including a charge card, cash management, and controls in a single account.Originally from Brazil, Henrique built a payments company when he was only sixteen and in just three years grew it to process over $1.5 billion in processed transactions. Shortly thereafter, he co-founded Brex along with Pedro Franceschi.In this interview, we talk about:- Henrique’s story from entrepreneur, to Stanford student, to Stanford dropout and Brex co-founder- How he met his co-founder, Pedro, and their inspiration to launch Brex- Their significant decision to move Brex into a remote-first company and what that means for them- The importance of company culture and some key lessons for fintech founders- And a whole lot more!Henrique DubugrasHenrique Dubugras is Co-Founder & Co-CEO of Brex — the smartest corporate card in the room. A Brazilian entrepreneur, Henrique built payments company Pagar.me — the Stripe of Brazil — when he was sixteen years old. In just three years, Pagar.me grew to US$1.5 billion in volume of transactions processed. In the fall of 2016, Henrique sold Pagar.me and enrolled at Stanford University. After eight months, he left school and founded Brex. About BrexBrex is reimagining financial systems so every growing company can realize its full potential. By rebuilding from scratch the entire technology stack for credit card issuing, storing and transferring money, Brex has designed financial software that avoids previously painful banking problems. Traditional banking systems are broken; previously neither founders nor their businesses had access to great financial perks and benefits that their corporate counterparts enjoyed. Brex created products for fast moving companies that are intuitive, well designed, and have more powerful functionality than anything on the market. At its core, Brex exists to empower every growing company to dream bigger. In June 2018 Brex launched the first corporate card and rewards program designed for Startups. Brex reimagined every aspect of corporate cards, including 10-20x higher limits than traditional cards, tailored rewards with points on every purchase, and no personal guarantee for founders. This is a radically better experience for customers. In Fall 2019, Brex introduced its second product, Brex Cash. A first-of-its-kind cash management account that enables companies to simplify financial operations, pay for expenses and grow their business, all with zero fees. As a unified platform, Brex brings together the ability to store money and pay bills in a single, elegant dashboard replete with integrations to other financial software -- a new vision for the autonomous finance function. Having started as part of the Y Combinator accelerator program in 2017, the team has grown to over 400 people. Based in San Francisco, Brex has raised over US$465 million in venture capital, with support from Kleiner Perkins Growth, YC Continuity Fund, Greenoaks Capital, Ribbit Capital, IVP, DST, as well as fintech insiders like Peter Thiel and Max Levchin. Brex has also raised over $510 million in debt funding from Barclays. As of writing it is worth $3 billion.

  • Miguel Armaza sits down with Allison Barr Allen, Co-founder and COO of Fast, an online login and checkout platform on a mission to make buying online faster, safer and easier. The company is backed by Stripe, Index Ventures, Susa Ventures, Global Founders Capital, and Brian Sugar.

    Prior to Fast, Allison held senior product roles at Uber, where her team launched and scaled Uber’s payments, risk, and compliance products globally. Before that she was a strategy consultant at PwC.

    Allison is also a passionate private and public investor, both as an LP at Operator Collective and as an advocate for value investing in the public stock market.

    We talked about:
    - Allison’s fascinating experiences at Uber
    - The power of investing in public and private markets
    - Her journey at Fast over the last 12 months,
    - The value of listening and acting on client feedback
    - The importance of company culture, partnerships, and having a really clear vision of the future of your company
    - and much, much more!

    Allison Barr Allen, Co-founder and COO

    Allison Barr Allen is the co-founder and COO of Fast, the world’s fastest online login and checkout platform. Previously, Allison was the head of global product operations for the Money Team at Uber, where she helped scale Uber from 2,000 employees to more than 26,000 worldwide. Allison’s team launched and scaled Uber’s payments, risk, and compliance products globally, including on-demand payments, cash products, debit cards and credit cards.

    Prior to Uber, Allison served as a healthcare strategy consultant at PwC. In addition to her role at Fast, Allison is a limited partner at Operator Collective, a venture capital firm that brings together leaders from diverse backgrounds to invest in the next generation of enterprise technology. Allison is also deeply committed to supporting entrepreneurs through Trail Run Capital, her angel investment fund.

    Allison graduated from Northwestern University with a Bachelors of Science degree in Communication Sciences and Disorders.

    About Fast
    Fast's mission is to make buying online faster, safer and easier for everyone. Its Fast Login and Fast Checkout products enable a one-click sign-in and purchasing experience that makes it easier for people to buy and merchants to sell. The company's products work on any browser, device or platform to deliver a consistent, stress-free purchasing experience. Fast is entirely consumer focused and invests heavily in its users' privacy and data security. Headquartered in San Francisco, Fast is a privately held company funded by Stripe, Index Ventures, Susa Ventures, Global Founders Capital and Brian Sugar – who also serves on the board.