Payments shouldn’t break just because a card changes. We sat down with leaders from NMI, G+D and Mastercard to unpack how network tokenization has moved far beyond basic security to become the backbone of higher approvals, fewer chargebacks, and smoother recurring billing. If you care about conversion, fraud, and customer lifetime value, this conversation goes straight to the signal.

Tiffany Johnson, CPO at NMI, Mark Van Horn, Digital Solution Lead, North America at G+D and Ryan Francis, Vice President, Digital Product at Mastercard start the episode by clarifying what network tokens are and how they differ from traditional vault tokens, then dig into the metrics that matter: consistent 3–6 percentage point authorization uplift, real-world portfolio wins that stretch even higher, and measurable savings from reduced retries and smarter routing. You’ll hear how merchant-bound and device-bound tokens give issuers reliable context, why lifecycle management keeps subscriptions uninterrupted, and how those improvements cascade into lower operational costs and stronger retention.

From there, we look ahead. Tokens are becoming the default for card-not-present payments and will extend into open banking and account-to-account flows. With AI on the rise and agentic commerce coming into view, tokens provide portable trust - binding identity, device, and permissions so agents can transact safely on our behalf. The guests share how G+D and NMI make token adoption turnkey for ISVs and platforms, and how Mastercard is scaling token rails to power seamless, intelligent commerce.

If you’re an ISV, platform, or merchant seeking higher approval rates and lower fraud without adding friction, this is your blueprint. 

Money shouldn’t take days to arrive while business waits. We sit down with Miles Paschini, CEO and co-founder of FV Bank, to unpack how a licensed digital bank can make crypto feel like normal banking - without the wallet headaches, exchange hops, or private key anxiety. Miles traces his journey from prepaid telecom innovation to Wavecrest’s pioneering crypto cards, and explains why building FV Bank meant controlling the value chain: the bank license, the compliance stack, and the tech.

We dig into how FV Bank issues traditional accounts with ACH, wires, and cross-border payments, then layers in bank-native wallet addresses for USDC, USDT, and PYUSD. That lets a merchant accept a stablecoin payment that lands as USD deposits, or send a million dollars internationally in minutes with on-chain settlement and integrated sanctions screening. Inside the bank, FVNet provides instant client-to-client settlement, turning treasury into an always-on function and freeing working capital from the friction of multi-day delays.

Miles also explores the future: stablecoin growth accelerated by clearer regulation, peer-to-peer payment via X402 that removes chargebacks and middlemen, and how agentic and machine-to-machine commerce will quietly reshape e-commerce and everyday life. We touch on risk and compliance fundamentals - BSA/AML first, crypto-native forensics layered on top and why specialization in fintech and blockchain is a durable advantage. Looking ahead, FV Bank plans to expand Visa issuing, launch BIN sponsorship globally, and introduce Bitcoin-collateralized lending for long-term holders.

If you care about faster settlement, lower risk, and payments that work at internet speed, this conversation maps where banking is headed and how businesses can get there without becoming crypto experts. 

Ruston Miles, Founder and Chief Strategy and Development Officer at Bluefin and I start with the origin story: telecom roots, fiber‑rich Tulsa, and the overlooked reality of call centers that needed real‑time authorizations long before shopping carts ruled the web. Ruston explains why Bluefin moved into security early - serving higher ed, nonprofits, and faith‑based media where brand trust is everything and how that path led to P2PE. Then comes the turning point: a decision to decouple encryption from acquiring, offer P2PE as a service, and even power competitors. That platform approach now supports around 150 devices across 17 manufacturers and underpins airlines, transport systems, fuel networks, and more, often quietly and often by requirement.

From there, we look ahead. Network tokens are rising, wallets are changing, and AI is pushing commerce from clicks to intent. Ruston separates hype from reality, showing how today’s “agentic” automation schedules deliveries and completes checkouts, while tomorrow’s agents will present payment credentials securely without platforms ever seeing raw card data. That shift demands virtual P2PE, inter‑agent boundary mediation, and standards that let authentication and encryption travel with the transaction. We also get practical: how Bluefin’s P2PE‑as‑Proxy reduces integration pain, why security must keep pace with innovation, and what skills newcomers need as software continues to digest payments.

If you care about payments security, PCI, P2PE, tokenization, gateways, ISVs, and the future of agentic commerce, you’ll find plenty to take back to your roadmap. 

Ever wondered how a prolific payments technology company gets started? Join us on Leaders in Payments as we chat with John Mitchell, CEO and Co-Founder of Episode Six, who recounts his intriguing journey from Colorado Springs to Austin, Texas. You'll gain insights into how Episode Six is innovating the payments landscape, helping financial institutions and brands move away from outdated systems. Discover the versatility of their platform that caters to a wide range of clients—from small banks to global financial behemoths—and learn how Episode Six's unique ability to virtualize hardened cores supports seamless international operations. 

John Mitchell dives deep into the story behind the founding of Episode Six, starting from a significant moment in 1999 that set the stage for building one of the largest prepaid processors. Fast forward to 2015, and the journey of Episode Six's creation unfolds, highlighting early triumphs like securing contracts with HSBC and Japan Airlines. Listen as John shares the highs and lows of penetrating the financial institutions market and emphasizes the importance of perseverance. Alongside his professional journey, John also opens up about his personal passions and provides invaluable advice for aspiring fintech professionals. Don't miss this engaging and insightful conversation with a true leader in payments technology.

In today's episode, key leaders from NMI discuss how Gen Z and millennials are shaping the payments landscape and what businesses need to do to stay relevant. Tiffany Johnson, Chief Product Officer, starts by explaining how these generations influence payment preferences. Millennials, having witnessed the rise of the internet, exhibit diverse payment preferences ranging from cash to digital wallets, prioritizing quality, service, sustainability, and convenience. Gen Z, as true digital natives, expects seamless, mobile-first payment experiences and highly values privacy and security. Johnson emphasizes the importance of embedded payments and creating secure, seamless consumer experiences for NMI stakeholders.

Vijay Sondhi, CEO of NMI, further explores the evolving payment preferences of these generations, noting that Gen Z primarily uses digital wallets and mobile payments, viewing their phones as extensions of themselves. Both generations are quick to abandon brands with friction-filled payment processes, favoring seamless, secure, and convenient methods. Sondhi highlights the potential of biometrics for secure authentication and the transformative role of AI in payments, which could shift focus towards enriching life experiences. He underscores the need for businesses to rapidly adapt, adopt scalable and inclusive payment solutions, and think like Gen Z to remain competitive.

Kate Hampton, Chief Strategy Officer at NMI, concludes the discussion by emphasizing the importance of omnichannel strategies and payment orchestration in meeting the expectations of Gen Z and millennial consumers. Omnichannel strategies provide a consistent, connected, and seamless shopping experience across multiple channels, including in-person, mobile, online, and unattended. Consumers seek to eliminate friction by having various payment options contextually presented at the right time. For merchants, the challenge lies in integrating these payment methods while maintaining their brand’s customer experience. Hampton explains that payment orchestration involves configuring and coordinating complex payment processes to create a smooth and differentiated experience. When done right, payment orchestration is invisible, ensuring effortless payments and enhancing overall customer experience and brand loyalty.

This episode is a summary of three NMI podcast episodes - please visit NMI to listen to each separate episode. 

How does one rise to become a powerful voice in the payments industry? Join us for an exclusive conversation with Bunita Sawhney, Executive Vice President of Consumer Products and Processing at Mastercard, who shares her remarkable journey from Newport Beach to New York. We'll uncover the deeply supportive family environment that nurtured her, her academic pursuits at Cal Berkeley and Columbia, and her dynamic career spanning retail banking and product innovation. Bunita's insights into her role at Mastercard and her passion for promoting gender diversity through the Women's Leadership Network provide a compelling narrative for anyone interested in leadership and empowerment.

Explore the complex challenges female leaders face today, including underrepresentation and gender pay gaps, and how Mastercard is making strides to overcome these barriers. Bunita offers a candid look at her own career challenges and the importance of mentorship programs. She also discusses the mission of the 30% Club and offers invaluable advice for young women eyeing a future in the payments industry. This episode is a treasure trove of inspiration and practical tips, showcasing Bunita's dedication to fostering an inclusive and equitable corporate landscape. Tune in to discover her guiding principles for success and her unwavering commitment to empowering women in the business world.

What if you could tap into the mind of a key player in the payments industry and learn the secrets behind managing $2 trillion in daily transactions? Join us for a compelling conversation with Margaret Weichert, Chief Product Officer at The Clearing House, as she takes us through her inspiring journey from upstate New York and Georgetown University to the helm of one of the most significant institutions in the financial world. Margaret shares her rich background and reveals how her upbringing and education paved the way for her impactful career. 

Margaret's expertise shines through as she discusses the complexities of leadership and team dynamics, offering valuable insights into effective communication and decision-making. She candidly addresses the unique challenges faced by female leaders, including strategies to navigate unconscious biases in the workplace. Listen to Margaret recount her bold transition from the payments industry to a political role within the US federal government, where she learned crucial lessons in governance and service that profoundly impact her current role in a not-for-profit organization.

The episode wraps up with a focus on the importance of mentorship in the payments industry. Margaret emphasizes the significance of building lasting, mutually beneficial relationships and provides practical advice for newcomers. Margaret’s candid reflections and expert advice offer a rich narrative that will resonate with anyone interested in leadership, mentorship, and the evolving world of payments. Don't miss this opportunity to gain valuable insights from a true leader in the field.

How do you carve out a trailblazing career in the competitive world of payments? Join us in an inspiring conversation with Kathleen Pierce Gilmore (KPG), SVP and Global Head of Issuing Solutions at Visa, as she takes us through her journey from her early days in Las Vegas to her current leadership role in Bethesda, Maryland. KPG's responsibilities at Visa involve spearheading a team that offers innovative issuing solutions, loyalty programs, and digital enablement tools, all designed to help clients better engage and retain consumers. Her vibrant storytelling and passion for her work make this episode a must-listen.

KPG's career story is nothing short of remarkable. From her formative years at McDonald's, where she honed her leadership skills, to her strategic roles at American Express and Capital One, she has always been driven by guiding principles of intention and serendipity. Listen as she recounts her dynamic stints at PayPal and the startup world, ultimately leading to her impactful role at Silicon Valley Bank. Each step in her journey is filled with insightful lessons on career growth, resilience, and the importance of vision and passion in leadership.

In a candid discussion, KPG opens up about the challenges she faced as a female leader in the corporate landscape. We also delve into the significance of mentorship and the power of stepping out of one's comfort zone. Concluding with reflections on the value of time and appreciation, this episode offers a heartfelt look at the experiences and wisdom of a pioneering woman leader in payments.

Discover the captivating journey of Dru Armstrong, CEO of AffiniPay, as she shares her unique path from growing up in Los Angeles influenced by her father's legal profession to taking the helm of a fintech powerhouse. Dru’s story is a testament to hard work, resilience, and the high expectations instilled by her entrepreneurial parents. She reveals how AffiniPay transformed from serving associations to dominating the legal and professional services payments landscape, while offering a personal glimpse into her life through a fun icebreaker segment.

From law to management consulting, private equity, and ultimately the CEO role, Dru Armstrong's career transitions are nothing short of inspiring. She emphasizes the pivotal role of mentors and sponsors in her journey, the shift from relying solely on analytical skills to the importance of emotional intelligence, and the critical need for trust-based teams. Dru candidly discusses the unique challenges she faced as a young CEO and underscores the importance of aligning with ethical investors and colleagues to achieve sustainable success.

Tune in to hear Dru's insightful reflections on leading through strategic change and growth, particularly in a thriving company like AffiniPay. She shares her thoughts on the value of mentorship, the importance of resilience in overcoming setbacks, and the joy of finding career roles that align with personal passions. Whether you're entering the fintech sector or navigating your own career path, Dru’s experiences and advice offer valuable lessons on authentic leadership, the power of mentorship, and the fulfillment of impactful work.

Curious about the journey from a small town in France to leading a global financial platform? Gabrielle Bugat, CEO of G+D ePayments, shares her incredible story and the principles that guided her to success. From her education at MINES ParisTech to her international career across Texas, Mexico, and Germany, Gabrielle reveals how she navigated each challenge and opportunity with resilience and ambition. She opens up about her current role, leading financial platforms within G&D Group, and the strategies she employs in managing strategy, product development, and talent across continents.

Discover the guiding principles that have shaped Gabrielle's leadership style, emphasizing collective intelligence, being outcome-driven, and maintaining a business-centric approach. Gabrielle recounts her early days as a young manager, the pivotal experiences that honed her leadership skills, and the unique challenges faced as a female leader. Listen as she shares practical strategies for fostering teamwork, breaking down silos, and leading acquisitions with humility and respect. Her stories, from simple team-building exercises to navigating post-merger environments, offer valuable lessons for leaders at any stage of their career.

The importance of mentorship and career growth is a key highlight of our conversation with Gabrielle. She delves into stepping out of one's comfort zone, adapting to new cultural norms, and the value of informal mentorship and networking. Gabrielle emphasizes the significance of soft skills, self-belief, and continuous learning, particularly for women in the workplace. Her insights and personal anecdotes provide a powerful message of encouragement for anyone pursuing their goals with determination. Tune in to be inspired by Gabrielle Bugat's journey and the wisdom she's gained along the way.

Carly Brush's career trajectory is nothing short of inspirational, a true testament to the power of resilience, innovation, and mentorship. In this enlightening podcast episode, Carly Brush, SVP of Human Capital Management at DailyPay, delves deep into her fascinating journey from an aspiring fashion designer to a key leader in the fintech industry. Her story is one of navigating through professional hurdles, leveraging mentorship, and constantly stepping out of her comfort zone to achieve growth.

Carly's story isn't just about success—it's about the growth that comes from challenges and the invaluable role of mentorship. She provides candid insights into overcoming professional hurdles, including a pivotal project failure at DoorDash, and underscores the importance of stepping out of comfort zones. Carly also offers practical advice for young women eyeing a career in fintech, emphasizing collaboration, continuous learning, and the satisfaction of working with dedicated colleagues. Tune in to gain inspiration and actionable wisdom from Carly Brush as she discusses her remarkable career and contributions to the fintech landscape.

Our latest episode of Leaders in Payments focused on women leaders in our industry, takes you through Tiffany Johnson's inspiring path, characterized by resilience, empathy, and a relentless drive for innovation. Tiffany uncovers her role at NMI, comparing it to an "air traffic controller," where she orchestrates everything from market insights to technical solutions.

We dive deep into Tiffany's core leadership principles, emphasizing the critical importance of empathy and relationship-building. Hear about her unconventional career path, likened to a rock wall, and how it prepared her to tackle challenges with a "yes" mentality and curiosity. Learn about the supportive women's professional network at her company, and get practical advice for young women aiming to break into the payments industry. From maintaining confidentiality to fostering professional growth, Tiffany's insights are invaluable for anyone looking to navigate and thrive in the ever-evolving payments landscape.

In conclusion, Tiffany’s leadership principles, emphasis on mentorship, and commitment to building a supportive professional network provide valuable insights for anyone looking to thrive in the payments industry. Whether you're a young professional or an experienced leader, Tiffany's experiences and advice offer inspiration and practical guidance for navigating and succeeding in the ever-evolving world of payments.

Unlock the secrets to a thriving career in the payments industry with our special guest, Gretchen Bender, Senior Vice President at MAPP Advisors. Gretchen's journey from Springfield, Illinois, through her academic pursuits at the University of Arizona and UC Irvine, to her pivotal move to Las Vegas in 2010, is a testament to the power of seizing unexpected opportunities. Learn how she stumbled into the payments industry in 1996 and discover the unique role MAPP Advisors plays in the fintech advisory market, specializing in mergers, acquisitions, and payments processing. Gretchen offers an insider’s view into the tailored approaches MAPP Advisors uses to bring unparalleled value to their clients, from portfolio evaluations to payments monetization.

In this episode, we also delve into the transformative power of mentorship and diverse work experiences. Gretchen shares invaluable advice on proactively finding mentors, especially for those in smaller companies, and underscores the importance of internships in navigating the payments and Fintech landscape. We discuss the enriching experiences gained from working in both large and small companies, and how these experiences can be a springboard for entrepreneurial success. 

This episode is a must-listen for anyone aspiring to make their mark in the payments industry. Gretchen Bender’s journey and insights provide a wealth of knowledge and inspiration. From the importance of mentorship and diverse work experiences to the unique approaches taken by MAPP Advisors, there is something for everyone in this episode. Whether you are just starting out in your career or looking to take the next step, Gretchen’s advice and experiences will provide valuable guidance and motivation. Tune in to discover the secrets to a thriving career in the payments industry and learn from one of the industry’s leading experts.

In the final episode of Powering Payments Together: How Payroc Helps ISVs Scale Smarter, we turn the spotlight on CenterEdge Software and their journey to building a payments program that drives real business value. Leslie Legel, Director of Payments at CenterEdge, joins the conversation to share how Payroc has become a trusted partner in helping them overcome challenges, strengthen their platform, and deliver a seamless experience for their clients.

Leslie explains why payments are mission-critical for family entertainment centers, where more than 90 percent of transactions are digital and downtime isn’t an option. From July 4th waterparks to cashless operations, reliability isn’t just a nice-to-have—it’s the foundation of customer satisfaction. She reflects on a tough lesson learned when a gateway integration didn’t meet expectations, and how those setbacks ultimately led CenterEdge to develop a more reliable and scalable payments strategy.

The episode also explores how CenterEdge built and branded “CenterEdge Payments,” giving them control over the customer journey and creating a more transparent, feature-rich solution for their clients. Leslie shares how Payroc stood out as a partner, not just for their technology and APIs, but for their willingness to understand CenterEdge’s business, answer tough questions, and provide the tools and flexibility needed to scale.

Finally, Leslie offers advice to ISVs navigating the high-stakes world of payments: do your homework, know your limitations, and find a partner who is as invested in your success as you are. Looking ahead, she discusses how CenterEdge and Payroc will continue to grow together, exploring new solutions and opportunities to strengthen their offering in the family entertainment space.

This special episode of the Leaders in Payments podcast offers a wealth of knowledge and insights from three trailblazing women leaders at Stax Payments —Paulette Rowe, Jenn Reichenbacher and Lisa Roberts. 

Paulette Rowe, the CEO of Stax, provides a compelling narrative of her career journey, from consumer banking to leadership roles at PaySafe and Meta. She emphasizes the importance of mentorship and professional development, sharing her experiences of stepping out of her comfort zone and taking on significant leadership roles. Paulette's journey is a testament to the power of mentorship and the impact it can have on one's career trajectory.

Jenn Reichenbacher, the Chief Marketing Officer, brings her extensive experience in the payments space to the table. She discusses her journey through various companies like Merchant Warehouse, EverCommerce, and her current role at Stax, where she focuses on driving growth through innovative marketing strategies.

Lisa Roberts, the General Counsel, offers a unique perspective from her 25-year legal career. She highlights the importance of understanding the broader business context and the role of legal compliance in the evolving payments landscape. Lisa’s insights are particularly valuable for those looking to navigate the complexities of legal and compliance issues in the fintech industry.

But it's not just about payments and technology; it's also about people and relationships. Paulette, Lisa, and Jenn open up about the power of mentorship and professional development within the industry. From building a "personal board of directors" to stepping out of one’s comfort zone with initiatives like executive rotation programs, discover how these leaders foster growth and collaboration at Stax. Whether it’s through lunch and learns or workout groups, they emphasize the importance of maintaining a growth mindset and creating a supportive community. Tune in for an enriching conversation that promises to leave you inspired and enlightened about the possibilities in the payments industry.

Have you ever felt the weight of imposter syndrome or the glass ceiling holding you back? Kristy Duncan, the inspiring founder and CEO of Women in Payments, shares her transformative journey from her early days on a small hobby farm outside Toronto to becoming a leader in the payments industry. This special edition of the Leaders in Payments podcast, celebrating Women Leaders in Payments Month, kicks off with a fun and personal rapid-fire round, giving you a glimpse into Kristy's world beyond her career.

We then delve into the heart of Kristy's professional evolution, discussing the significant barriers that women encounter in the workplace. Kristy candidly addresses the challenges such as the sticky floor and crisis leadership roles and shares her invaluable strategies for overcoming these obstacles. Learn how mentorship, a robust professional network, and constant feedback have been her guiding principles for success. You'll also hear about pivotal experiences and personal anecdotes that shaped her resilient mindset and career trajectory.

In the final segment, Kristy offers heartfelt reflections on the importance of mentorship and the inspiring role her daughters have played in her life. She emphasizes how mentorship and sponsorship can propel emerging leaders to new heights and recounts her own experiences with formal and informal mentoring. Kristy's dedication to her career and her family's encouragement provide a powerful narrative on balancing professional ambitions with personal life. This episode is packed with insights and encouragement for anyone looking to break barriers and empower women in their careers.

Prepare to be inspired by Nino Maisuradze, the Chief Operating Officer at Ingenico North America. Nino's story is a compelling narrative of resilience, adaptability, and leadership that spans continents—from her roots in the country of Georgia to her current influential role in Atlanta, Georgia. With a diverse educational background in Germany and extensive experience in the payments industry, Nino brings a wealth of knowledge and unique insights that are both enlightening and motivating.

The episode begins by exploring Nino's background, highlighting the significant cultural and educational experiences that have shaped her professional journey. Growing up in Georgia during a time of civil unrest, Nino learned the value of resilience and adaptability at a young age.

The conversation then shifts to the role of mentorship in empowering female leaders. Nino emphasizes the importance of normalizing the challenges that women face in leadership roles and the immense value that diversity and inclusion bring to organizations.

Nino's journey is a testament to the power of resilience, adaptability, and the importance of mentorship. Her story serves as an inspiration for aspiring leaders, particularly women, to stand tall in the face of challenges and to continuously seek growth and improvement. The episode not only provides a wealth of knowledge about the payments industry but also offers practical advice on leadership, empowerment, and the significance of diversity and inclusion.

Unlock the secrets of Omnicommerce with Yael Barak, VP of Product Management at Worldpay, as she shares her expertise on creating seamless commerce experiences for small businesses. From micro merchants to small enterprises, Yael reveals how Worldpay’s extensive capabilities—from card payments to e-commerce and niche verticals—are revolutionizing the way merchants connect with customers. Discover how advancements in AI are enabling hyper-contextualized scenarios, offering the perfect product at just the right moment.

Commerce360, an omni-channel solution designed by Worldpay, is a central focus of the discussion. Yael provides an in-depth look at its diverse functionalities, from handling retail locations and online sales to managing call centers and services, all through a central dashboard. This comprehensive solution allows businesses to streamline their operations and manage various aspects of their business from a single platform, enhancing efficiency and reducing the complexity of running a business.

The episode concludes with a discussion on the broader implications of these advancements for the future of commerce. As AI and other technologies continue to evolve, the potential for new business models and innovative solutions will only grow. Worldpay's commitment to supporting small businesses and helping them navigate this rapidly changing landscape is evident throughout the conversation, highlighting the company's dedication to empowering merchants with the tools and resources they need to succeed.

In the latest episode of the Leaders in Payments podcast, host Greg Myers engages in a compelling conversation with Carlos Navarro, CEO of Corvia. Carlos takes us on an insightful journey through the company's strategic maneuvers and innovations. Discover why Corvia's focus on the SMB space and higher-risk areas sets them apart, and how their location in Austin, Texas, along with substantial investments in risk and compliance systems, gives them a significant edge. Carlos shares the company's impressive growth trajectory, robust partner ecosystem, and cutting-edge solutions for boarding and transaction monitoring, offering listeners a comprehensive look at what makes Corvia a standout player in a crowded market.

Carlos also opens up about his personal journey, from founding a small consulting firm to holding pivotal roles at industry giants like IBM and JP Morgan, ultimately leading him to Corvia's helm. With a passion for mentoring and talent development, Carlos provides invaluable career advice for new graduates eager to break into the fintech world. Listen as he recounts his tenure on the Junior Achievement board in Atlanta, his role as a high school football coach, and his love for college football. Packed with personal anecdotes and professional wisdom, this episode is a treasure trove for anyone keen on understanding the dynamic landscape of payments and fintech.

Unlock the secrets of seamless Omnicommerce as we dive into Worldpay's Commerce360 product set with Shae Orrick, Senior Product Manager, and Yael Barak, VP of Product Management. Discover how small businesses can thrive by integrating payment acceptance across multiple channels into one robust merchant portal. Developed in partnership with GoDaddy, Commerce360 not only simplifies payments but also comes packed with marketing services and social media connections. Learn how the three concepts—Connect, Run, and Grow—are tailored to help businesses set up payments, streamline operations, and expand their customer base effortlessly.

Ever wondered how friction impacts your business? Friction can turn customers away and complicate your business operations, but Commerce360 tackles this head-on. Yael and Shea shed light on how their solution bridges the gap between online and in-store experiences, smoothing out payment processes and making interactions easier for both consumers and merchants. Imagine consolidating multiple systems into one user-friendly portal, much like having a smartphone for all your business needs. Plus, the sleek design of the Commerce360 terminal adds a touch of modern flair and credibility. Tune in to see how this innovative tool can transform your business operations and elevate your customer engagement.

The world of payments is rapidly evolving, and Ingenico's SoftPOS technology is at the forefront of this revolution. In this episode, Mike Barnes, Sales Director and Head of Banks and Acquirers at Ingenico, dives deep into the innovative features and capabilities of SoftPOS, offering valuable insights into its integration, customization, security, and future evolution.

SoftPOS is a game-changer in the payments industry as it transforms any NFC-enabled mobile device into a seamless payment terminal. This means that merchants can accept payments on their smartphones or tablets, unlocking a world of possibilities. Mike Barnes emphasizes the importance of clear communication and ongoing collaboration between partners and Ingenico during the integration process.

Security and payment flexibility are paramount in the world of payments, and SoftPOS by Ingenico delivers on both fronts. SoftPOS is an app-based solution that simplifies transactions, protects sensitive data, and ensures the highest level of security with stringent PCI certifications and software-based security measures. 

We share compelling success stories, like how SoftPOS provided reliable payment solutions during network outages, and explore the future evolution of SoftPOS. Learn how customer feedback is driving the development of new features such as DCC, loyalty programs, and installment payments, setting the stage for SoftPOS to revolutionize the payments landscape for SMBs and retailers worldwide.

Unlock the secrets of omnicommerce and revolutionize your business with insights from Shea Orrick, Senior Product Manager at Worldpay. Ever wondered how to provide a seamless, unified shopping experience across multiple channels? Our latest episode promises to break down the complex world of omnicommerce into actionable steps that can help you adapt to ever-changing consumer buying habits. You'll gain valuable knowledge on how integrated systems and data can enhance the consumer experience while making business management more effective.

Shea guides us through the journey of adopting omnicommerce solutions, often discovered through online research, ads, and trusted partners like banks. We dive deep into the top three pain points these solutions address—simplifying business operations into a single portal, improving inventory management through key business insights, and keeping customers happy with efficient, cost-effective marketing strategies. Learn about Worldpay's Commerce360, a powerful tool designed to streamline your operations with features like a robust payment system, seamless website integration with GoDaddy, and comprehensive marketing and inventory management tools.

Shea provides an exclusive look at Commerce360's future plans, including an online order option for merchants not ready for a full-fledged website, advanced user management tools, and the integration of AI technology to make inventory management a breeze. With Worldpay and GoDaddy's combined expertise, you can expect continuous improvements and innovative features that future-proof your business. 

Can you imagine turning every software company into a payment powerhouse? That's exactly what Jo Phillips and Will Corbera, co-CEOs of Payabli, are doing. In this episode, we chat with Jo and Will about their groundbreaking work in the payments industry, transforming software businesses by providing a unified API for payment acceptance, issuance, and operational management. From Jo's roots in his grandfather's jewelry business in Southern California to Will's multicultural upbringing across Miami, Barcelona, and Costa Rica, you'll hear about the personal journeys that led them to joining forces at Payabli.

Jo and Will share insider advice for newcomers to the payments industry, underscoring the value of understanding the payments value chain, having a mentor, and focusing on a specific vertical. Plus, they express their gratitude to their hardworking team and announce exciting job openings at Payabli, offering a golden opportunity for aspiring fintech professionals. They also encourage aspiring entrepreneurs to take the leap into the fintech space, highlighting its potential for disruption and innovation.

Navigating the ever-evolving landscape of the payments industry can be a daunting endeavor, but with the right insights and guidance, it can also be an area ripe with opportunities for growth and innovation. In a recent episode of the Leaders in Payments podcast, Brent Rose, CEO of EPSG, offers a wealth of knowledge gleaned from his 30-year journey in the payments sector. Brent's background is deeply rooted in the Midwestern values of integrity and hard work, which have played a significant role in his ascent to the helm of EPSG.

The podcast episode delves into the transformative journey of EPSG from a sales-centric organization to a full-service acquiring payments provider. This shift underscores the company's strategic investments in technology and infrastructure, which are crucial for staying competitive in the rapidly changing FinTech arena. Brent emphasizes the importance of supporting small merchants, particularly in the densely populated New York-New Jersey metro area, highlighting the unique challenges and rewards that come with catering to this segment.

Brent's personal stories, including his experiences in youth sports coaching underscore the parallels between his coaching philosophy and his professional ethos. As EPSG continues to make strategic strides in the payments industry, Brent's insights offer valuable lessons on resilience, strategic thinking, and the power of enduring relationships in business.

Bridging the gap between Treasury, Accounts Receivable, and Accounts Payable represents the critical "last mile" in financial automation. John Rubenetti, President of B2B Payments at Deluxe, reveals how leading organizations are connecting these traditionally siloed functions to create seamless, intelligent financial ecosystems.

The challenge isn't implementing individual automation solutions—it's connecting them. "The friction shows up in the handoffs," Rubenetti explains. When data and money flow through disconnected systems, finance leaders lose visibility and control. True transformation happens when organizations align technology, people, and processes to create end-to-end financial workflows.

Many CFOs underestimate the complexity of integration. They may believe they understand departmental processes but miss critical dependencies or manual workarounds. Data quality becomes another stumbling block—if information isn't clean today, automation won't deliver promised insights. Rubenetti advises starting with a clear vision, taking a phased approach, and choosing partners who understand both the technology and change management aspects.

The conversation explores how modern thinking must accompany modern tools. While dashboards provide visibility, embedding intelligence directly into workflows creates transformative value. Instead of merely reporting numbers, advanced systems prioritize actions, handle exceptions through AI, and trigger automated responses—shifting from static reporting to dynamic decision support.

Rubenetti highlights three significant B2B payment trends: mid-market automation (where 70% still lack automated AP/AR processes), enhanced security (as "fraud thrives in manual processes"), and payment modernization. Despite technological advances, paper checks remain surprisingly prevalent, particularly among small and mid-sized businesses who value the detailed information that accompanies them.

Deluxe has evolved far beyond its reputation as "the check company" to become a comprehensive payments and data organization. Their solutions now span the entire financial ecosystem—from treasury management to merchant services—helping businesses move money faster, safer, and more efficiently while maintaining the data integrity essential for strategic decision-making.

Ready to complete your financial automation journey? Start by mastering the basics before pursuing flashier technologies. The foundation you build today will determine your success tomorrow.

How did a pre-med student from Yale end up transforming the landscape of chargeback mitigation? Join us as Qi Cao, the co-founder and CEO of Chargeblast, reveals his fascinating journey from life science consulting and hedge fund analysis to pioneering tech-forward solutions in the payments industry. Discover how Chargeblast is slashing chargeback rates by up to 99% for hyper-growth startups using Stripe and Shopify. Get an insider look at the unique strategies Chargeblast employs, the pivotal role of social media for business growth, and the significance of strategic partnerships with industry giants.

This episode also uncovers the incredible potential of Generative AI in optimizing chargeback alerts across sectors like health, subscription SaaS, and e-commerce. You'll hear about the latest trends in payments, including the future of peer-to-peer transaction chargebacks and the crucial role of card tokenization. Qi also shares his personal passions, from daily workouts to mentoring a diverse team, offering invaluable advice for anyone venturing into the fintech or payments space. Don’t miss out on the practical tips and inspiring stories packed into this compelling conversation!

Ready to uncover how consumer demographics are transforming the payments landscape? Join me in a fascinating discussion with Yael Barak, VP of Product Management and Kari Finley, Senior Director of Global GTM from WorldPay. They share their unique perspectives on how omnicommerce is evolving and why it's crucial for merchants to provide seamless experiences across all channels. 

We dive deep into the generational preferences shaping payment trends. Discover why Gen Z is so comfortable with mobile transactions and willing to share personal data for convenience, while millennials lean towards buy now, pay later options and loyalty programs. Gain insights into the ongoing relevance of point-of-sale and cash transactions for Gen Xers and baby boomers, highlighting the diverse needs that must be met within the payments ecosystem.

Lastly, we explore the impact of COVID-19 on omnicommerce adoption across generations. Hear how the pandemic accelerated digital commerce, even among older consumers, and brought lasting changes to shopping habits. Our conversation also tackles the challenges faced by smaller merchants in implementing omnicommerce solutions and underscores the importance of providing multi-channel experiences to attract younger consumers. Plus, learn how WorldPay's omnicommerce solutions streamline operations, making it easier for businesses to integrate and reconcile various processes. Don't miss this comprehensive look at the future of commerce!

The financial industry has been undergoing a remarkable transformation, a topic comprehensively discussed in the latest podcast episode featuring Sarah Biller, Co-Founder of Fintech Sandbox. In a world increasingly driven by digital innovation, data has become the lifeblood of financial technology growth. This growth is not only reshaping the way we think about finance but also integrating tech into sectors as diverse as healthcare and the automotive industry.

Sarah's journey is as fascinating as it is insightful, starting from her roots in West Virginia and culminating in her significant contributions to the Boston entrepreneurial ecosystem. She has been instrumental in aiding fintech startups to flourish by providing invaluable data access—ranging from market tick data to eclectic weather patterns—free of cost. This initiative supports the startups' growth at a critical stage, without the hindrance of data procurement expenses.

Moreover, the episode touches upon the values of community and collaboration. These values are ingrained in Sarah's approach to fostering a supportive environment where entrepreneurs can connect and thrive. It's this belief in the collective that underpins the podcast discussion, as it reveals how financial services can seamlessly merge into various industries to optimize transaction experiences and enhance risk assessments.

In an era where financial transactions and corporate expense management are undergoing revolutionary changes, it's critical to stay ahead of the curve. Our latest podcast episode features Rick Fletcher, Group President of Corpay Payables, who shares his extensive knowledge and insights into mastering global expense management and embracing payment innovations.

Rick discusses the complexities of managing corporate expenses, particularly for middle-market companies. He points out that while larger banks might overlook these businesses, Corpay thrives by offering comprehensive services tailored to their needs. This approach not only empowers companies to make better financial decisions but also ensures policy compliance through customized financial tools.

As the market for financial outflows and payment solutions becomes more dynamic, Rick emphasizes the importance of fusing technology with human-driven processes. This blend is pivotal for creating specialized card programs that complement broader expense management strategies. Furthermore, the efficiency of back-office operations is crucial for executing payments, managing working capital, and preventing fraud.

This episode of the Leaders in Payments podcast introduces listeners to Bob Kaufman, the visionary founder of ConnexPay. His narrative not only shed light on the inception and growth of his company but also on the broader trends shaping the future of B2B payments. ConnexPay stands out in the payment industry as a disruptor, successfully handling both incoming and outgoing payments. It's a feat that sets them apart in a market where competitors often focus on just one aspect of the transaction.

The discussion delved into the enduring prevalence of credit card use in the travel and e-commerce sectors, highlighting the advantages they offer, such as security and dispute rights. Bob contrasts this with the challenges presented by alternatives like PayPal and blockchain, noting the importance of simplicity and legal dispute mechanisms for consumer confidence. Furthermore, the episode emphasized the influence of Generation Z, whose expectations for digital-first, frictionless experiences are driving innovation in the payment space.

In a world where digital innovation is constantly reshaping the commercial landscape, understanding the evolution of omnicommerce is essential for businesses and consumers alike.  Yael Barak, VP of Product Management at Worldpay, sheds light on this very transformation during this latest collaboration between the Leaders in Payments Podcast and Worldpay. 

The discussion begins with an exploration of omnicommerce and its nuanced existence in today's economy. The fusion of brick-and-mortar stores with e-commerce platforms has revolutionized consumer expectations, with businesses now required to meet their customers wherever they are. This seamless blend of physical and digital shopping experiences has given rise to a new economy that thrives on accessibility and convenience. As we delve deeper, Yael explains how Worldpay is at the forefront of this revolution, providing scalable payment solutions that cater to a diverse range of clients, from nimble local shops to expansive enterprise networks.

Yael also touches on the importance of understanding the varying needs of different verticals. For instance, mobile payment solutions that may be ideal for a contractor may not suit the needs of a restaurant that utilizes QR codes. It is this keen sense of specificity that has allowed Worldpay to craft payment solutions that resonate with individual merchant requirements, providing a frictionless purchasing process that enhances the customer experience.

As the digital age continues to advance, the line between physical and online commerce blurs even further, paving the way for an omnicommerce ecosystem that is as boundless as the technology that fuels it. Businesses that embrace this revolution, with guidance from industry leaders like Yael Barak and companies like Worldpay, will be well-positioned to succeed in the digital economy that awaits us.

In an industry where financial inclusion and innovation are paramount, the latest episode with Arad Levertov, Co-founder and CEO of Sunbit, stands out as a beacon of progress. The episode focuses on how Sunbit is revolutionizing the financial landscape for essential services such as auto repairs and healthcare, by offering hassle-free financing options to consumers. With a staggering approval rate of 90% for applicants, Sunbit's approach is not only inclusive but also indicative of a significant shift in consumer lending practices.

The impact of Sunbit's technology is not limited to the consumer experience. The company's innovative approach extends to its partnerships with merchants and the development of an ecosystem that transcends payment processing. Sunbit's emphasis on sales, partnerships, and the use of data analytics underscores the importance of a holistic approach to financial services—one that benefits all stakeholders involved.

As the fintech landscape continues to evolve, companies like Sunbit are at the forefront, steering the industry towards a more inclusive and customer-centric future. Arad's foresight and leadership have positioned Sunbit as a pivotal player in the fintech revolution.         

In a world where convenience is king and technology reigns, the realm of live event payments is undergoing a revolutionary transformation. Jake Stone, Chief Revenue Officer of Cantaloupe, graces us with his insights in a recent podcast episode, highlighting the seismic shift towards self-service and mobile payments in stadiums, entertainment venues and festivals. This move is not only enhancing the fan experience but also significantly augmenting venue revenue—a double win for the industry.

The emergence of Generation Z as a driving force in the economy is shaping how payment systems evolve. Their mobile-first mindset and preference for digital solutions are paving the way for venues to rethink their service models. And as we cast our eyes towards the horizon, the future of event payments looks cashless and frictionless. Technologies such as AI and biometrics are on the cusp of redefining convenience and personalization. But this transformation isn't solely about the technology; it's about the human experience. These advancements in payment systems are designed to keep fans immersed in the event, reducing the time spent waiting in line and increasing the time spent enjoying the spectacle.

In conclusion, the path towards a cashless, high-tech future in live event arenas is not just inevitable; it's already underway. The innovations spearheaded by companies like Cantaloupe are setting a new standard in the industry. As we embrace these changes, we're not just witnessing the evolution of payment systems; we're participating in the redefinition of the live event experience itself.

The banking industry, long characterized by its stability and resistance to change, is currently undergoing a radical transformation, primarily driven by the rapid advancements in financial technology. The latest episode of the Leaders in Payments podcast, featuring Booshan Rengachari, Founder & CEO of Finzly, offers a deep dive into this seismic shift, particularly focusing on how mid-sized and community banks can harness the power of fintech to revolutionize their operations.

A significant part of the discussion centers on Finzly's ascent as a formidable player in the finance technology space. Booshan recounts the initial focus on foreign exchange and international banking, leading to the development of a unified platform for various payment systems. Finzly's innovation allows banks to transition seamlessly from outdated systems to cutting-edge infrastructure capable of real-time processing and adaptability. This technology leapfrogs the constraints of legacy systems, empowering banks to offer sophisticated financial products rapidly.

In summary, this Leaders in Payments Podcast episode is more than just an exploration of financial technology; it's a story of transformation and the people who drive it. As the industry looks towards a future where money moves in real-time and banking operations become more customer-centric, pioneers like Booshan Rengachari and companies like Finzly are at the forefront, shaping the new financial landscape.

In an age where financial technology is rapidly evolving, small businesses are often left grappling with outdated banking systems and cumbersome loan processes. The latest episode of the Leaders in Payments podcast presents an eye-opening discussion with Luke Voiles, the CEO of Pipe, who shares his story from his humble beginnings in Sherman, Texas, to the forefront of the fintech revolution.

Pipe's business model is groundbreaking, focusing on integrating financing options within the software platforms businesses use every day. Voiles explains that traditional banking systems, with their rigid structures, are no longer adequate for the dynamic needs of modern enterprises. He envisions a world where accessing capital is as simple as clicking a button when issuing invoices or running payroll—a future where financial services are embedded within the tools entrepreneurs use to manage their operations.
 
 In sum, the episode paints a picture of a financial ecosystem that is more inclusive, efficient, and supportive of small businesses, with fintech companies like Pipe leading the charge in revolutionizing access to capital. It's a testament to the power of technology in democratizing financial services and empowering business owners to achieve their aspirations with the right tools and resources at their fingertips.

Dive into the transformative world of B2B payments with Brandon Spear, CEO of TreviPay, as he reveals how their platform is revolutionizing trade credit for businesses worldwide. Operating across 32 countries and primarily serving enterprise clients, TreviPay has created a comprehensive solution that manages the entire order-to-cash cycle - from credit applications and underwriting to invoice generation, collections, and cash application.

What sets TreviPay apart? Their global underwriting platform delivers real-time credit decisions while combating sophisticated fraud schemes that have become increasingly convincing in the AI era. By generating invoices on behalf of merchants, they enable powerful data management capabilities that solve industry-specific challenges. For automotive manufacturers, this means enforcing contract pricing across dealership networks, reducing pricing errors from one-in-three to approximately one-in-thousand. For businesses expanding internationally, it eliminates the complexity of producing tax-compliant invoices across diverse jurisdictions.

The pandemic marked a turning point for B2B payments, exposing the vulnerabilities of manual processes when employees couldn't be in the office. Rising interest rates further accelerated adoption as working capital became more expensive, pushing companies to optimize receivables management. These market shifts have positioned TreviPay for explosive growth - they estimate a $20 billion revenue opportunity emerging in their target markets over the next 5-7 years.

Perhaps most importantly, Brandon emphasizes that payment experiences directly impact customer loyalty: "Experience loyalty is becoming more important than brand loyalty." Businesses that offer accurate invoices and flexible payment options capture a larger share of wallet - a powerful reminder that even the most technical aspects of payments ultimately come down to creating exceptional customer experiences.

In a rapidly evolving financial landscape, technology continues to play a pivotal role in shaping how we manage and interact with money. This shift is most evident in the domain of loan management and digital banking, a topic discussed in our recent podcast episode featuring Rhett Roberts, the Co-Founder and CEO of LoanPro. The episode takes listeners on a journey through the intersection of loans and technology, revealing how this convergence is leading to more seamless financial experiences for consumers and institutions alike.

The LoanPro platform was born from a need to manage diverse loan types more efficiently, emerging as a versatile solution in a field of specialized loan management systems. Its unique ability to consolidate the management of various loan types onto a single platform has not only improved user experiences but has also increased operational efficiency.

Rhett's personal evolution is equally as compelling as his professional achievements. From earning his first income at a shooting range to venturing into car dealerships and ultimately into the tech space, his entrepreneurial spirit shines through. He also discusses his philanthropic work with the charity 'Become More,' linking his efforts in Cambodia to a broader vision of enriching lives. 

As the financial sector continuously evolves, it is vital to understand how traditional banking is merging with fintech innovation to craft the future of finance. In the latest podcast episode, we are introduced to Cross River, a financial institution that has not only witnessed but also contributed to this evolution. The episode offers an in-depth exploration of how Cross River, under the guidance of Adam Goller, EVP, Head of Fintech Banking has developed a unique niche at the crossroads of technology and traditional banking.

The 2008 financial crisis is known for its destructive impact on the global economy. However, it also provided the impetus for innovation and the creation of new business models in the banking industry. Cross River was birthed during this tumultuous period with a vision to redefine banking by integrating cutting-edge technology into the traditional financial sector.

The podcast highlights the need for a resilient ecosystem in modern banking—one that can withstand the pressures of regulatory changes and market fluctuations. Cross River's journey serves as a case study for other financial institutions navigating the convergence of fintech and traditional banking.

Unlock the secrets of protecting your company's bottom line with Rich Schalabba, the CEO of Payment Integrity Partners, as we dissect the crucial yet frequently ignored issue of financial leaks in the retail world. In our conversation, Rich peels back the layers of the payment landscape, revealing how his firm's cutting-edge technology and rigorous methods meticulously sift through mountains of transaction data to recover lost revenue for retailers. It's a masterclass in securing the financial fortitude of large organizations, ensuring that every penny is rightfully placed.
 
Learn how Payment Integrity Partners is changing the game in the recovery audit industry, boasting a distinctive blend of deep client connections, bespoke audits, and proprietary technology that outmatches the competition. Rich divulges how their rapid audit process is not merely about reclaiming funds but is a strategic move towards fortifying future financial practices. 

Rich also shares his professional journey and the passion that led him to found Payment Integrity Partners. His personal narrative is one of entrepreneurial spirit and dedication to excellence in service, a testament to the company's success and the value they provide to their clients.

The digital transformation of community banks is not just a buzzword; it's a vital pivot towards sustaining relevance and competitive edge in an increasingly tech-centric financial world. The latest episode of the Leaders in Payments podcast, featuring Carey Ransom, Managing Director of BankTech Ventures, provides a deep dive into this transformation.

BankTech Ventures stands out by directly involving bankers in the investment process, ensuring the solutions not only fit the banks' needs but also resonate with the communities they serve. The organization acts as an R&D arm, navigating through the plethora of available fintech options to guide community banks toward top-tier, strategic solutions. This careful selection is driven by a dual focus on cost reduction and revenue enhancement, targeting both customer-facing and internal processes.

The episode is a must-listen for anyone in the banking or fintech industries, as well as for those interested in how technology reshapes traditional business models. With a comprehensive examination of the state of community banking and the strategic use of technology, the podcast stands as a testament to the transformative power of fintech and the enduring spirit of community banking.

Ever wondered how a leader in the payment processing world thinks and innovates? Zach Martinez, the CEO of PAYARC, joins us to peel back the curtain on the intricate workings of digital transactions and customer relations. With a blend of Philadelphia grit and global savvy, Zach takes us through his formative years, from Boston University to the vibrant streets of Madrid, before steering PAYARC to $5 billion in annual merchant volume. He passionately discusses the bedrock of their success: a commitment to humanizing customer service in an industry where automated responses have become the norm, and how their new payment facilitator product is set to redefine the market.

Beyond the technical aspects of payment processing, Zach shares his commitment to a philosophy known as extreme ownership, inspired by former Navy SEAL Jocko Willink. This philosophy, according to Zach, is the cultural bedrock that has allowed PAYARC to cultivate resilience and accountability at every level of the organization. By championing a mindset that encourages employees to embrace and learn from failure, Zach fosters an environment of continuous improvement and leadership development.

Embark on a journey through the intricate world of financial compliance with Natasha Vernier, the Co-Founder and CEO of Cable, as she joins me, Greg Myers, on the Leaders in Payments podcast. Natasha takes center stage, weaving the story of Cable's inception and its mission to equip compliance officers with a robust platform for pinpointing regulatory slips and control failures. The company's unique SaaS model is not only redefining compliance monitoring but is also scaling to serve a variety of financial institutions, big and small. Together, we discuss Natasha's impressive transformation from finance to the forefront of the fintech revolution. We also uncover the origins of Cable's distinctive name and its pivotal role in crafting agile, compliant financial services.
 
As we progress through the episode, the focus shifts to the transformative power of automation in compliance testing within the banking sector. Natasha likens automated banking controls to the essential dashboard alerts in a car, pointing out the need for similar advancements in financial services. The dialogue explores the intriguing concept of the 'bank of Taylor Swift,' suggesting a future where financial services are woven into consumer platforms that people already use and love, further emphasizing the role of technology in appealing to the tech-savvy Gen Z demographic.

Unlock the future of transactions as you ride along with Tom Nipper, Global Head of Energy and Mobility at JP Morgan Payments and Markus Kuhnt, Co-Founder and Chief Technologist of Starfish, two titans in the realm of mobility and in-vehicle payments. They don't just predict the next wave of consumer convenience, they're creating it. Our conversation weaves through the intricate network of digital payment technologies that are transforming your car into an extension of your wallet. Imagine breezing through transaction points as if they were green lights, thanks to the innovative partnership between JP Morgan Payments and Starfish that's steering the industry towards a frictionless payment experience. 

This episode is a journey through the rapidly evolving ecosystem of automotive OEMs and how they're engaging with consumers well beyond the showroom floor. With vehicles becoming platforms for secure and seamless buying experiences, the industry faces the challenge of aligning with futuristic transportation, such as autonomous driving, while maintaining a user experience that rivals leading mobile wallet providers. We navigate the complex roads of EV charging and biometric advances with insights that shine headlights on the importance of customer-centric design in mobility payment solutions. Buckle up for a ride into a future where every stop is an opportunity for a transaction as smooth as your drive.

https://www.linkedin.com/in/mkuhnt/

https://www.linkedin.com/in/tomnipper/ 

In our latest podcast episode, Hamed Arbabi, CEO and Founder of VoPay, provides a comprehensive look into the world of financial technology, sharing the journey of VoPay from its inception to its current role in the industry. We delve into the company's impact on the embedded payments ecosystem and its innovative approach to integrating payment solutions into various digital platforms. Hamed sheds light on how VoPay's advanced API is driving change across sectors, including insurance and healthcare, and the significance of strategic partnerships in revolutionizing financial operations within ERP systems.

Hamed’s entrepreneurial spirit shines through as he recounts his journey from starting a business to navigating the complexities of the payment industry. The discussion serves as an inspiring guide for entrepreneurs and established professionals alike, illustrating the potential for personal growth and the realization of ambitious goals through perseverance and strategic thinking.

This week on Leaders in Payments Podcast, we journey through the symbiotic relationship between banks and tech firms, discussing the tailored support Treasury Prime offers to community and regional banks. Co-Founder and CEO of Treasury Prime, Chris Dean’s expertise is not just theoretical; it's grounded in the practical challenges of real-time reconciliation, settlement, and the adaptive strategies banks are employing to lead in this fintech renaissance.

We examine what truly differentiates Treasury Prime in the fiercely competitive fintech industry. From their unique direct integrations with core banking systems to the anticipation of industry consolidation and heightened regulatory pressures, Chris provides guidance on maintaining the delicate balance of innovation and compliance. 
 
Through his dual passion for startup culture and beekeeping, we explore the parallels between the precision required in fintech and the meticulous care needed for apiary management. It's an episode rich with personal anecdotes and professional insights. 

Unlock the potential of women entrepreneurs across the globe with insights from Jane Prokop, Mastercard's dynamic leader for SMEs, who joins us to shed light on the unique obstacles women in business face. Discover the sweeping impact of small and medium enterprises and grasp the specific challenges that hold back women founders, from the limited access to venture capital to the intricate labyrinth of securing bank loans. Jane doesn't just expose the issues; she shares Mastercard's robust toolkit of digital resources and educational programs that are leveling the playing field and fostering success for women in business.

Learn about the groundbreaking initiatives, including the Hello Alice Small Business Mastercard and the Women by Design program, that are tailoring support to the needs of these trailblazing women. Revel in the stories of resilience and innovation as Jane paints a picture of a future where women's business ventures flourish, supported by a network of mentorship, state-of-the-art digital tools, and collaboration among governments, nonprofits, and private sectors. And for the small businesses reeling in a post-pandemic economy? Jane unveils how Mastercard's innovative products are not just a lifeline but a launchpad into a thriving digital-first future.

Swift's colossal impact on global finance remains largely invisible to most people, yet its messaging infrastructure moves the world's entire GDP every 2-3 days. Leigh Amaro, Head of North America for Swift, pulls back the curtain on this financial powerhouse in a fascinating conversation about the present and future of global payments.

Founded in 1970 as a cooperative, Swift now connects approximately 11,000 financial institutions across 200 countries, processing an astounding 50+ million messages daily with just 3,000 employees worldwide. "We're like the backbone of financial services around the world," Amaro explains, highlighting Swift's role in providing secure messaging and value-added services like sanction screening and fraud detection.

The payments landscape has transformed dramatically in recent years. What was once a "black box" process with unpredictable delivery times has evolved into a system where 90% of payments reach beneficiaries within one hour. This revolution in transparency comes through innovations like Swift's GPI tracker, addressing a major pain point for corporate treasurers who previously couldn't predict when payments would arrive.

Looking forward, several developments promise to reshape global payments. The implementation of ISO 20022 in November will create a richer data layer enabling enhanced compliance, error reduction, and automation. Digital assets - including tokenized money and stablecoins - represent another frontier where Swift aims to support financial institutions through secure messaging. Meanwhile, AI continues to transform fraud detection and pattern recognition across the payment ecosystem.

Amaro's passion for women's education and mentorship shines through as she shares the story of her great-grandmother, born in 1905, who emphasized education's importance despite having to leave school at age 11. This personal connection drives her work supporting women in technology and developing mentorship communities. Her advice for those entering payments? "Trust yourself more and don't wait for permission. No one has it figured out, no one's got all the answers... The sooner you believe in yourself, the sooner others will too."

As the visionary behind Paymentwall, Honor Gunday, Founder and CEO, reveals the remarkable transformation of his company, which began as a specialized payment solution for gamers and has since expanded to a global gateway, mastering over 150 local payment methods. In the vibrant crossroads of Istanbul and Miami, Honor's rich cultural experiences and academic endeavors at Stanford University fueled his passion for innovation, setting the groundwork for his ventures in tech. Gain priceless wisdom from Honor's entrepreneurial journey, which maps out how he navigated from managing fraud prevention to embracing the world of alternative digital payments.

Hear firsthand how Honor's linguistic agility transcends the personal, becoming a strategic asset in the diverse world of international commerce. As we unravel the compelling narrative of Honor's career, from the challenges of payment processing within the travel industry to his ventures like FasterPay and Terminal3, the roadmap for aspiring professionals in fintech becomes clearer. Discover the treasured virtues of knowledge, trust, and becoming indispensable, and how they forge the path to success in the dynamic intersection of technology, commerce, and innovation.

Unlock the transformative power of diversity, equity, and inclusion (DE&I) in the payments industry with Motie Bring, the visionary CEO of PPRO. This episode promises enlightening strategies that can help your business thrive by embracing the multitude of benefits a diverse workplace offers. Motie, with his rich experience leading a frontrunner in local payment solutions across Europe and Latin America, shares how PPRO's deep-rooted commitment to DE&I not only distinguishes them but also catalyzes their financial and cultural growth. Learn from his insights on the tangible impact of a varied workforce on innovation and success, and why nurturing this diversity is an essential belief, not just a statistic, at the core of their company.

This episode guides you through practical steps for fostering an inclusive environment at every stage of your business's development, from ambitious startups to expanding enterprises. Discover why transparency in sharing diversity data and recognizing individuality during recruitment can be game changers for businesses seeking to boost innovation and stay ahead of the curve. Motie illuminates the path toward an inclusive workplace, highlighting the ongoing efforts and humility required to address gaps in DE&I practices. Join us for a candid conversation that not only broadens your perspective but also equips you with the wisdom to spearhead change within your organization.

Unlock the future of transactions with Ingenico's Tony Walsh in our latest episode, where we explore the revolutionary SoftPOS technology. This innovation is reshaping how merchants interact with customers, shedding the shackles of conventional payment hardware. By leveraging NFC-enabled Android and iOS devices, SoftPOS is not just a glimpse into the future of digital payments, but a stride into a world where mobile and contactless transactions seamlessly integrate into our daily commerce.

During our conversation, Tony illustrates the practicality and versatility of SoftPOS, painting a picture of a business landscape that's both agile and cost-effective. From bustling cafes to expansive enterprise retailers, this technology tailors to the unique needs of any business. Learn how SoftPOS is transforming the restaurant industry by simplifying pay-at-table services, reducing hardware attrition, and envision a retail environment where line busting becomes the norm. 

By embracing Ingenico's SoftPOS, we are unlocking payment freedom and taking a significant leap towards the future of commerce. This episode not only educates but also inspires a rethinking of how we engage in transactions, both as consumers and businesses.