Explore every episode of the podcast Payments Innovation

We're riding the wave of embedded finance, a concept that's both an evolution and a revolution in financial services. Back in 2019, it was seen as the missing piece in the tech stack, seamlessly integrating finance into everyday activities. But five years later, the landscape has shifted. 

In this episode of Payments Innovation, Piers Marais, Chief Product Officer, Currencycloud, speaks to Sara Elinson, Principal at EY Parthenon, to unpack the latest developments, challenges, and opportunities in embedded finance, and discuss whether it is the future of business.

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The world of e-commerce is brimming with global possibilities, where buyers and sellers can now be in almost any corner of the planet. But cross-border payments can still remain a complex, slow, sometimes costly process. With technology evolving rapidly and consumer behaviours shifting quickly, are cross-border services keeping up?

In this episode of Payments Innovation, Piers Marais, Chief Product Officer, Currencycloud, speaks to Will Artingstall, Head E-Commerce, Citi, to discuss the changes, innovations, and trends emerging in the cross-border e-commerce landscape.

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Small and medium-sized businesses are the lifeblood of many economies, with more than 5 million SMBs in the UK, and 99 million in the US. In the last decade, the combined effects of globalisation removing cross-border barriers, plus innovation and rapid digital change, have set the stage for SMBs to thrive in the global digital economy. Yet, there’s a feeling that the market continues to be underserved within financial services. Why?

In this episode of Payments Innovation, Piers Marais, Chief Product Officer, Currencycloud, speaks to Adam Goodall, VP of Product, Funding Circle, to discuss how SMBs can thrive in the global marketplace and consider whether the future for SMBs is actually beyond borders.

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2023 was an explosive year for Generative AI. The mainstream emergence of tools like Chat GPT generated a huge amount of excitement and hype. In the wake of this, 93% of fintechs believe that generative AI is poised to revolutionise the fintech and financial services sector. But how much of the hype has materialised into real impact?

Artificial Intelligence has long been a transformational force in finance, helping to boost efficiency, improve security and handle the vast amounts of data that the modern system relies on. So what will the impact of this new GenAI wave be? 

In 2024’s first episode of Payments Innovation, Piers Marais, Chief Product Officer, Currencycloud, speaks to Ram Gopal, Director of the Gillmore Centre for Financial Technology, to go beyond the buzzwords and learn more about the use cases being realised right now.

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Cyberattacks are on the increase, with bad actors proliferating around the world. By the end of 2023, according to Cybercrime magazine, hackers will have caused $8 trillion in global damages. In 2022, Moody’s listed banks as being at high risk of attack, and Fintech is also in the firing line. 

Financial firms hold extremely sensitive data on millions of customers, and vulnerabilities can be exploited for lucrative ransoms. Fintech is meant to be the ‘tech-savvy’ cousin of traditional finance. It’s innovative, fast-moving, and often API and cloud-driven. But how secure is it? Is the industry doing enough to protect the consumers and businesses that rely on these products?

In the latest episode of Payments Innovation, Cara Hayward, Director of Strategic Partnerships for North America, Currencycloud and Visa Cross-Border Solutions, spoke with Fraser Scott, VP of Product at threat modelling platform IriusRisk, to find out more.

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What does Black History Month mean to you? It could be a time to recognise the achievements of the Black community, to draw attention to ongoing problems with racism, or an opportunity to stand as an ally of Black friends and colleagues. October is Black History Month in the UK, and this year, under the theme of “Saluting Our Sisters”, the event celebrates the critical role that Black women have played in shaping history, inspiring change, and building communities. 

In this Special Edition of Payments Innovation, Product Manager Miada Hassan speaks to two Currencycloud colleagues, Director of Sales Development Fumbi Banjoko and VP of Banking Ola Malomo, who last year launched Currencycloud’s first Afro-Caribbean Employee Resource Group, Bl@CC (Black at Currencycloud). She digs into why Black History Month resonates for them, and what companies can learn from it.  

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Visa acquired Currencycloud in 2021. Now, leveraging the expertise from both companies, it has launched a Cross-Border Payment Solutions. With a suite of modular building blocks that can be easily integrated with a company’s existing technology infrastructure, it enables a range of capabilities, including the ability to spend in, and send payments to, more than 180 countries and territories.

For this special episode of Payments Innovation, host Piers Marais talks to Ryan Felipe - General Manager, Visa, North America, and Luciana Mosoia - General Manager, Visa, EMEA, to look at those capabilities in more detail and to understand their impact.

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In 2022, the US Federal Reserve announced that it had been developing a “wholesale” central bank digital currency (CBDC), designed to speed up transfers between banks around the world. The aim of the new network would be “to reduce settlement risk in cross-border, cross-currency transactions.”

But there are questions around the introduction of CBDCs, with some observers wondering how much value these initiatives will actually bring to end users and whether they pose serious privacy concerns. 

They are not the only digital currency being promoted. Stablecoins — a privately issued digital currency designed to hold constant value against a reference asset — are predicted to reach a value of almost $3 trillion USD in the next five years. Some say stablecoins can do everything a CBDC can do and more, with fewer downsides. 

This week, host Cara Hayward is joined by Clara Medalie, Director of Research at digital assets data provider Kaiko, and Sean Ryan, Vice President and Associate Director at business data and analytics firm FactSet, to investigate the role both CBDCs and stablecoins will play in the financial system of the future.

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Super-apps have made a big splash in Asia over the past decade. Chinese giant WeChat, with one billion active monthly users, has millions of mini apps that run inside the platform, eliminating the need for separate apps to shop, find restaurants, or check train times.

But can super-apps work in the West? X (formerly Twitter) owner Elon Musk has promised to launch an “everything app” that combines chat with financial services — and he’s not alone among Western entrepreneurs wanting to tap into the growing super-app market. This week, host Yi Nah Yeo is joined by Pratyush Prasanna, Senior Vice President of Merchant Payments, GoTo Financial, to look at what lies ahead.

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Since it burst onto the scene in the mid-2010s, Fintech has revolutionised the way we save, borrow, and transfer money, and become a shining light of British industry. But recent news headlines have shown that maturing as a sector can be a challenging road.

Can Fintech continue its impressive trajectory? And what are the strengths it needs to play on in order to maintain its impact as it settles into the mainstream business landscape? This week, host Piers Marais is joined by Head of Fintech at FleishmanHillard, Gemma Lingham, and by Innovate Finance CEO Janine Hirt to look at where Fintech goes from here.

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As one stat after another shows how much venture capital funding is drying up, the most striking figure of all may have got lost in the noise: last year, female-owned companies received just 2.1% of the total capital invested in all startups in the US.

This week, host Cara Hayward is joined by Ruth Foxe Blader, CIO of Anthemis Group and Elizabeth Davis, Principal of the Female Innovators Lab Fund at Anthemis Group, to try and get to the bottom of this dispiriting percentage. They discuss the need for more female cheque writers in venture capital, the role VCs have to play in encouraging more female hires, and why the lack of female representation in tech is definitely not a pipeline problem.

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For nearly three years China pursued a zero-Covid pandemic containment strategy. One of the strictest in the world, the policy mandated tight lockdowns and kept foreign visitors away. 

The reopening of China’s borders has been one the biggest economic stories of 2023. The country is projected to be responsible for nearly 35% of global growth this year, thanks to an uptick in consumption and shifting consumer behaviour.

But for businesses both inside and outside China, what are the opportunities that this growth presents? What scope is there for inward investment, and how will China engage with its neighbours? This week, host Yi Nah Yeo is joined by Ruben Lim, COO at Singapore FinTech Association, to learn more about what China’s reopening means for the world.

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As a sector, Fintech has taken an investment hit, with global funding falling by a third in 2022. It’s a situation that’s leading to a radical reinvention of the way companies approach business planning, with a more strategic evaluation of the market playing a critical role. For years, venture capitalists were telling companies that they needed to grow as quickly as possible — to win market share, and only then worry about how they would actually make money.

That formula has been turned on its head now that money is more expensive and valuations have dropped. This week, host Piers Marais is joined by Leda Glyptis, Chief Client Officer at 10X Banking, to speak about the way Fintech business models are now prioritising profitability over growth. 

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Remittances to developing countries reached $626 billion last year. But with 25% of funds saved or invested, remittances are not just supporting families but transforming economies.  

This week, host James Teodorini is joined by Camilla Bullock, CEO and co-founder of the Emerging Payments Association Asia, and Artak Melkonyan, Senior Advisor on Equity, Financing and Funds at the United Nations Development Programme Sustainable Finance Hub. They discuss how remittances are fuelling entrepreneurialism, the part technology can play in reducing costs, and how South Asia is succeeding in keeping fees down.

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A recent wave of acquisitions is consolidating part of the foreign exchange sector into the hands of a few major players. But who stands to gain the most?

In this episode, host Piers Marais talks to Joe Edwards, Managing Director at Capitex FX, about the benefits of consolidation for companies, the perks and problems for the customer, and why the rising cost of compliance may make it hard for smaller startups to keep up.

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With the economic climate rattling businesses and investors alike, holding on to your customers is more important than ever. But how do you cut through the noise of your most vocal customers to understand how the rest are feeling?

In this episode, host Piers Marais talks to Saskia de Jong, Director of Customer Success at Avinode Group, and Sergi Albiol, Commercial Director at Lano, about the need for a company-wide approach to building relationships, why the customer isn’t always right, and the role AI has to play in keeping customers happy.

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The collapse of FTX and Celsius wiped billions from investors’ portfolios and tarnished the reputation of the entire crypto industry. Could a proper regulatory framework have prevented the crisis? 

In this episode, Simon Grunfeld, Head of Web3 at Cogni, talks to host Scott Ernenwein about why regulation is the only path to wider crypto adoption, and why, when it comes to managing your digital assets, the only person you can trust is yourself. 

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Cross-border payments have traditionally been slow, costly and unpredictable. But as domestic instant payment systems are being stitched together, more money is flowing across borders in real time. 

This week, host Piers Marais talks to David Reiss, Director of Strategic Partnerships at Currencycloud, and Leo Lipis, CEO of Lipis Advisors, about emerging real-time payment corridors, the path to global connectivity, and why big banks no longer see Fintechs as the enemy.

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Despite an explosive rise in innovative payments technologies, legacy infrastructure and institutional inertia pose significant barriers to their global adoption.

This week, host Cara Hayward speaks to Dan Roseberry, VP, Global Fintech Partnerships at Visa, and Emily Man, Investor at Redpoint Ventures, about the promise of new payment methods, why progress varies so much from country to country, and what Europe and the US could learn from India and Brazil.

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Women currently hold just 27% of all tech-related jobs. And while progress has been made in raising the profile of women in Fintech, there is still plenty of work to be done. 

In this episode, host Cara Hayward celebrates International Women’s Day with Currencycloud colleagues Fumbi Banjoko and Sarah Martin, as they discuss their own journeys in Fintech, why women’s progress varies so much from region to region, and how all-female networking is helping more women to break through the glass ceiling.

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For decades, payments systems in the US barely changed. Suddenly, innovations such as FedNow, real-time payments and blockchain are shaking up the legacy infrastructure. 

In this episode, host Scott Ernenwein speaks to Astra co-founder and CEO Gil Akos about what these developments mean for payments providers, and why the need for a robust payments platform is greater than ever.

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The Korean won has been a restricted currency since the Asian Financial Crisis of 1997-98. Now, though, regulatory changes are putting the won on the verge of internationalization.

In today’s episode, host Anthony Man and J Young Lee, Co-Founder and Chief Business Officer at SentBe, explore the historical context of this development, when and how it might happen, and why it is getting economists so excited.

Also, find out just what’s driving the explosive rise of Korean cross-border payment Fintechs.

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The foreign exchange landscape has changed beyond recognition since Rahim Harji founded FX platform Datasoft Group.

Rahim and host Scott Ernenwein examine how Datasoft has helped traditional brokers evolve to survive - and why crypto and blockchain might just spell the future for cross-border payments.

And finally, with Rahim’s two brothers also running highly successful foreign-exchange companies, find out just what dinnertime is really like for the Harji family!

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On today’s show, Scott Ernenwein caught up with Ankur Patel, Founder & Head of Data at Glean AI, the intelligent bill payments solution that gives finance teams visibility and clarity into their vendor spend.

What we talked about:

• Improving customer experience with machine learning and automation
• The importance of capturing burn rate amidst our current economic climate
• How visibility into vendor spend provides transparency for investors
• The future of Fintech and new revenue streams 

To ensure you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, or Spotify, or here.

Until next time!

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Vauban are making investing in private markets as easy as ordering a book on Amazon.

On today’s show, Alex Barr caught up with Aric Oslerne, COO of Vauban from Carta,, the investment platform on a mission to democratize private investment, and unlock trillions in capital worldwide.

What we talked about:

• How technology is speeding up the investment process
• The impact of Covid on VC globally
• The best mindset for a successful startup launch
• Vauban’s exciting recent acquisition by US-based Carta 

To ensure that you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, Spotify, or here and don’t forget to check out our YouTube!

Until next time!

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For many, investing is seen as the preserve of the wealthy or financially savvy.

Thanks to Mary Agbesanwa, Fintech Growth Lead at Seccl championing the transformative power of technology and how it can be used to democratize investing, more people are accessing the financial markets and making educated, informed investment decisions

In the latest episode of Payments Innovation, we discussed:

• The role of embedded investing in democratizing the investment space
• Millennials and Gen-Zers becoming more engaged in their investing
• How Wealthtech can take steps to open up investment to newcomers
• How Seccl is educating ordinary people to be long term investors  

To ensure that you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, Spotify, or here and don’t forget to check out our YouTube!

Until next time!

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Investing has always been about the education of the individual instead of the community.  

Thanks to Hayden Smith, COO and Co-founder of Pearler, that stigma is changing. Creating a community of confident investors for long-term success through financial education.  

Join us as we discuss:

• The evolving world of investing with confident, educated investors
• Millennials and Gen-Zers becoming more engaged in their investing 
• The challenges of launching Fintech in foreign countries
• What is the future for Pearler as Fintech continues to expand  

To ensure that you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, Spotify, or here and don’t forget to check out our YouTube! 

Until next time!

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Fintech faces unique challenges as the expansion of real-time digital payments expands into the B2B space. 

Varying international regulations in Fintech present a unique challenge to the industry. 

Michael Chang, Director of International Payments at EasyPay, a former teacher and now one of the industry’s pioneers in cross-border payment systems, helps businesses expand their cross-border payments and become compliant with each country’s regulation requirements. 

Join us as we discuss:

• Cross- border payment solutions
• Challenges expanding Fintech in APAC countries
• B2B payments in North America 

To ensure that you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, Spotify, or here and don’t forget to check out our YouTube!

Until next time!

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“The entrepreneurial journey is always filled with detours, mistakes, and regrets.”

It takes hard skin to power through, according to our guest. You need the ability to ideate the solution to a problem and then execute it flawlessly.

Henrik Zillmer is the charismatic Co-Founder and Chairman at AirHelp, a lifelong entrepreneur, and a former First Lieutenant of the Danish Artillery. 

He’s also an alumnus of the Y Combinator accelerator and holds a Masters's from the prestigious Copenhagen Business School.

Join us as we discuss:

• The problem-solving mindset every entrepreneur needs
• COVID’s continuing impact on the travel industry
• How his company became stronger, leaner, and more resilient
• Leveraging AirHelp’s global reach to deliver their successful new products

To ensure that you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, Spotify, or here — and don’t forget to check out our YouTube!

Until next time!

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Fintech is one of the fastest growing industries on the globe today.  

In this episode, we take a look at the projected growth of Fintech through the perspective of crypto to real-time payment systems.  

Shamir Karkal, Co-founder and CEO at Sila and Cara Hayward, Director of Strategic Partnerships, North America at Currencycloud, both see the bright future of the Fintech industry as it expands with crypto-currency to real-time payment systems.  

Join us as we discuss:

• Biggest trend in Fintech is growth
• Staying power of Fintech 
• Global movement to real-time payment systems
• The crypto ecosystem  

To ensure that you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, Spotify, or here, and don’t forget to check out our YouTube! 

Until next time!

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Imagine an agile, accessible super app that combines every financial vertical in one place.

Budgeting, analytics, payments, investing, savings, whatever you want to do with your money, it’s all there at your fingertips. Emma is introducing new realms of opportunity to its rapidly growing user base.

The energetic Co-Founder and CEO, Edoardo Moreni, is one of my favorite former guests, and a visionary entrepreneur with a Masters in computer engineering.

This time around, we discuss:

• Vital lessons for founders 
• How concept goes a long way when it comes to getting funding
• Listening to customers and executing the vision of what they want
• The evolving investment opportunities of this uncertain market

To ensure that you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, Spotify, or here, and don’t forget to check out our YouTube!

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Behind every digital transaction, there’s a vast infrastructure of APIs and monitoring systems ensuring the security and speed that the public now expects. 

In this episode, we take an expert look into these global systems and learn more about the ever-evolving complexities behind them. 

Ho Chee Wai, Country Head of Singapore and Vice President of Neobank & Cards Strategy at NIUM, shares his perspective on the rising trend of digital payments and how NIUM had to adapt to the challenges of the pandemic. 

Join us as we discuss:

• The new frontier of real-time payments in APAC
• Maximizing the benefits of global partnerships 
• Adapting to supply chain issues and inflation
• Building symbiotic relationships between companies

To ensure that you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, Spotify, or here and don’t forget to check out our YouTube!

Until next time!

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The average lifespan of a tech startup is seven years with only 3% of businesses making it past 10 years. 

For TransferGo to celebrate a decade in the business, it’s a huge accomplishment and shows their dedication to employees, customers and the overarching business. 

Justinas Lasevicius, COO & Co-founder at TransferGo, shares the ingredients to success as well as where remittance is heading. 

Join us as we discuss:

• Ther recipes for creating a successful Fintech 
• Solving challenges during multiple global crises 
• Creating digital inclusion through financial service accessibility 
• The future of remittance during a economic slowdown 

To ensure that you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, Spotify, or here and don’t forget to check out our YouTube!

Until next time!

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We are thrilled to introduce our newest podcast host, Ned Barker, Remittance Senior Consultant at Currencycloud. Ned has a rich history in the Fintech space specializing in cross-border payments.  

Ned’s episodes will include:

• The latest in remittance trends 
• New innovations in the embedded finance and Fintech industry
• Transformations in the remittance space  

To ensure that you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, Spotify, or here and don’t forget to check out our YouTube! 

Until next time!

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There are very few investment apps that were truly created for those that have no experience with money management but want to learn. 

All too often the apps say they’re catered to those interested in learning about financial planning, but the price to become part of the investment community is just too high. 

So, what does investing with spare change in mind look like? Can it be successful? 

To find out, we spoke with Jay Swanston, Chief Platform Officer at Moneybox, an investment app dedicated to teaching people how to manage their money and invest smartly without having to break the bank. 

Join us as we discuss:

• Lessons learned from crowdfunding and working with investors to build Moneybox
• How the Fintech app plans to continuously improve its user experience 
• The challenges of launching a new product and the future of Wealthtech

To ensure that you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, Spotify, or here and don’t forget to check out our YouTube!

Until next time!

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In the B2C space, buy now, pay later companies are one of the trendiest ways to get what you need fast. 

For B2B, it’s an upticking trend that Alternative is capitalizing on. 

Imagine being able to afford a small business loan that will change the capabilities and profitability of your company. That’s what Alternative is doing with its integrated solution for the changing landscape of interest and approval rates. 

Baxter Lanius, CEO and Founder at Alternative, walks us through the company’s goals and niche market. 

Join us as we discuss:

• How Attentive is creating a unique buying experience for buy now, pay later
• Macro trends in the debt capital market 
• Why embedded finance is the payment of the future 

To ensure that you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, Spotify, or here and don’t forget to check out our YouTube!

Until next time!

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In this special two-part episode, we are thrilled to welcome two vibrant young experts from the global payments ecosystem.  

Lynda Strutton is the Vice President of Customer Success at Tribe Payments, and Stephane Vandenplas is the Senior Payment Processing Consultant at Currencycloud. 

Consumers are more demanding than ever, and merchants have to adapt quickly if they want to survive. How can acquirers and partners make this happen? 

Join us as we dive into: 

• The unique challenges facing merchants who want to go global
• Helping companies manage the costs of doing business overseas
• How it’s crucial to localize your offerings
• The importance of merchant education    

To ensure that you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, Spotify, or here and don’t forget to check out our YouTube! 

Until next time! 

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The global market is a volatile place influenced by the day-to-day politics of powerhouse countries. 

That doesn’t mean that investing needs to be hard whether it’s the first time you’ve set aside assets or you’ve been growing your portfolio for years. 

Kane Harrison, Founder & CEO at Wombat, an award-winning investment app, saw the need for an easy way to invest (without the bells and whistles) that was focused on wealth management at every level. 

Join us as we discuss:

• Wombat’s launch journey and laser focus on thematics
• The future of investments, from cash to cryptocurrency
• Lessons learned from launching a trading platform

To ensure that you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, Spotify, or here and don’t forget to check out our YouTube!

Until next time!

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Raise your hand if, as a small business owner, you’ve put company expenses on your personal credit card? 

It happens to many. They put up their own resources, money, and even credit scores for their small businesses. And for good reason: They want to see their businesses thrive and succeed, so they do what they think they have to do. 

But what if there were another way? 

What if, instead, small business owners weren’t shot down left and right whenever they apply for loans or lines of credit to get their businesses off the ground or keep them running? 

Ken So saw a need, so he founded Tilful, a service dedicated to bringing financial inclusion to small businesses and helping them build and gain access to credit.

Join us as we discuss:

• How Tilful aims to go beyond the top 5% of small businesses with great credit and help everybody
• Why you should stop putting up your own assets to keep your small business going
• The challenges facing small businesses when seeking access to meaningful credit

To ensure that you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, Spotify, or here and don’t forget to check out our YouTube!

Until next time!

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As the web evolves, so do the possibilities. 

For human communications, for art, and for the basic way we transact business.

In this episode, our special guest is Nikesh Lalchandani, the Head of Policy at Emerging Payments Association Asia, and a best-selling author who’s currently working on his Ph.D. in Finance at Sydney’s prestigious University of Technology.

Join us as we delve into:

• The evolution of the internet and how that shaped the birth of fintech
• Solving customer problems and making things cheaper with technology
• How Web 3.0 is opening up accessibility for the world marketplace
• Working globally to achieve goals together

To ensure that you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, Spotify, or here and don’t forget to check out our YouTube! 

Until next time! 

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Why are more and more Fintech’s turning to crowdfunding in addition to traditional VC investment?

Because being accountable to the people actually using your product incentivizes you to shape it to their needs.

That was a key consideration for today’s guest Edoardo Moreni, CEO at Emma Technologies, when funding th e company's money management platform, which offers a wide range of banking and investment options to its users.

In this episode, we discuss:

• How Open Banking has opened doors for wealth management
• Crowdfunding vs. VC investment
• The future of Open Banking, Wealthtech and NeoBrokers

To ensure that you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, Spotify, or he re and don’t forget to check out our YouTube! 

Until next time!

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Marketplaces of the past used to work by collecting money from a card, funneling that money into an operational account, and then bank transfer funds out the account.

Which means: A lot of money sits between buyer and seller.

But what happens when the company holding your money suddenly fails? 

A question asked by Nick Fulton, Co-Founde r & CEO at trustshare, who join s the show to discuss why a marketplace wants to go transactional, changes in regulation, the loss of revenue due to payments made outside the marketplace, and helping marketplaces grow through excellent customer service. 

Join us as we discuss:

• The lightbulb moment that led to the founding of trustshare
• B2B & B2C marketplace growth impact 
• Who’s driving the expectations of payments within the marketplace
• How fraud is being mitigated

To ensure that you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, Spotify, or he re and don’t forget to check out our YouTube! 

Until next time! 

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Millennial and Gen Z Europeans want to invest. But without platforms that feel similar to the experiences they use every day, that adoption will continue to take longer than needed.

And while the challenges to create these platforms may be steep, Andrej Hano, Co-Founder at Birdwingo, is lead ing the charge.   

He joins the show to discuss the biggest investing hurdles for young Europeans and how his company is solving the problem.

Join us as we discuss:

Why it’s taken so long for fintech founders to build into the European investment industry

• How Birdwingo is prioritizing customer experience & building brand trust
• Helping new European investors enter the market

To ensure that you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, Spotify, or here and don’t forget to check out our YouTube! 

Until next time! 

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Banking as a Service (BaaS) is too often seen as a threat by traditional banking institutions. 

In reality, it’s an opportunity — it’s a new channel for banks to deliver more services and better customer experience. 

And the banks who realize this stand to win big. 

So says Ron Shevlin, Chief Research Officer at Cornerstone Advisors, who joins the show today to discuss the many opportunities BaaS offers brands and banks alike.  

Join us as we discuss:

• What’s behind the meteoric rise of BaaS
• The opportunities BaaS provides
• The intersection of BaaS and embedded finance 

To ensure that you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, Spotify, or here and don’t forget to check out our YouTube! 

Until next time! 

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With 25% of ecommerce that's made of B2B marketplaces, a differentiated B2B purchasing experience is convenient and efficient. Today’s guest has the agenda to create the best payment methods for B2B trade.

Hear our conversation with Louis Carbonnier, Co-Founder at Hokodo:

• What it means that B2B sales are migrating online
• How convenience, choice, and trust are payments differentiators
• The growing trend of embedded finance services 

More information about Louis and today’s topics:

• LinkedIn Profile: https://www.linkedin.com/in/louiscarbonnier/
• Company Website: https://www.hokodo.co/ 

To ensure that you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, Spotify, or here and don’t forget to check out our YouTube!

Until next time!

Listening on a desktop & can’t see the links? Just search for Payments Innovation in your favorite podcast player.

Hosted on Acast. See acast.com/privacy for more information.

Regulation tech has grown up alongside the boom in Fintech. But where’s it headed in the near term future?

Hear our conversation with Ben Parker, Director and Founder at eflow Global:

• Regulation changes and potential financial crime
• The boom in Fintech and growth of regulation tech
• How the explosion in wealth tech will affect regulation  

More information about Ben and today’s topics:

• LinkedIn Profile: https://www.linkedin.com/in/ben-parker-1a72069/
• Company Website: https://eflowglobal.com/
• Reuters did a report last year  

To ensure that you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, Spotify, or here and don’t forget to check out our YouTube!

Hosted on Acast. See acast.com/privacy for more information.

In Fintech, it takes a village… 

If you want to change the world of finance, you need to find the right partners and get a community behind you. 

And open-source Fintech can help you to do both. 

In this episode, Jared Jones, Ecosystem at Moov Financial, explains how MOOV has built a thriving community by galvanizing the Fintech industry around their open-source releases. 

Join us as we discuss:

• The value of open-source Fintech
• How to maintain the human connection in technology partnerships
• Why everyone in the community should get excited for Fintech DEVCON 

To ensure that you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, Spotify, or here and don’t forget to check out our YouTube!  

Until next time!

Hosted on Acast. See acast.com/privacy for more information.

With Fintech, the opportunities are endless. There are so many underserved groups clamoring for financial products that will finally address their needs.

And if you can provide, it will pay off.

That’s why today’s guest, Priyank Singh, Cofounder of Stilt Inc., started a company based on serving the underserved — and why Stilt is helping other Fintechs follow suit.

Join us as we discuss:

• The challenges immigrants face when seeking credit
• How Stilt helps them overcome those challenges
• Why and How Stilt is helping other Fintechs find their footing  

To ensure that you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, Spotify, or here and don’t forget to check out our YouTube!

Until next time!

Hosted on Acast. See acast.com/privacy for more information.

The pandemic may have accelerated it, but the remote revolution is upon us.

It’s unlikely that work will ever be the same again.

But if remote work is here to stay, we need the financial tools to fuel it.

In today’s episode, I speak with Sahin Boydas, Head of RemoteTeam at Gusto formerly of RemoteTeam.com, about the pros and cons of remote work and the role of fintech in the new world of work.

What we talked about:

• The advantages of working from home
• What to watch out for in remote work
• Why fintech is essential for a distributed workforce 

To ensure that you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, Spotify, or here and don’t forget to check out our YouTube!

Until next time!

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The financial problems of immigrants living abroad, but still needing to interact with their country of origin, were not being solved despite the huge influx of new banks all over Africa. 

Recognizing this area of concern, Rian Cochran, Co-Founder at Lemonade Finance, jumped on the opportunity to provide a solution for in-need immigrants — stemming from issues faced as an immigrant himself. 

Join us as we discuss:

An introduction to Lemonade Finance & what led to its founding

Going deeper & attacking regulation

What differentiates Lemonade Finance

What to expect in 2022

To ensure that you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, Spotify, or here and don’t forget to check out our YouTube! 

Until next time!

Listening on a desktop & can’t see the links? Just search for Payments Innovation in your favorite podcast player.

Hosted on Acast. See acast.com/privacy for more information.