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If you look at the best software out there in any category, you find an interesting trend: Most of it was designed to solve a problem its creators faced. Whether it’s Slack or MongoDB, these products weren’t solutions in search of a problem to solve. They’d already solved one. The same is true for today’s guest, Rhett Roberts, Co-Founder & CEO, Product Officer at LoanPro, a company offering simplified solutions for loan servicing built when Rhett needed to find a way to solve issues faced in his auto lending business. In this episode, we discuss: Why solving first makes for successful companies How LoanPro is simplifying loan servicing The value and flexibility of a cloud-first API solution 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.

You get a text message letting you know a bill is due. You then open your payment app, scroll through, and pay the bill. If you have any problems, you’ll need to dial and call customer support. Now what if all those steps could’ve been handled through the initial text message? Today’s guest is helping make that connectivity a reality: Will Graylin, CEO at OV Loop, discus ses his history in the payment industry and what’s driving his enthusiasm to take messaging connectivity to the next level in the U.S. In this episode, we discuss: Diving into the payment industry Understanding the connectivity ecosystem  Discussing the super wallet 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.

For those old enough to remember a time before, Fintech can seem like a dream come true — it allows us to bank, sell, invest and even gamble whenever and wherever we want.  But these same tools can become a nightmare for those without the financial education to wield them responsibly. That’s why today’s guest, Vivi Friedgut , CEO/Founder at Blackbullion , is on a mission to educate young people so that they can make better financial decisions — and she’s using technology to enable the solution. In this episode, we discuss: - Why schools are poorly-equipped to educate on finance - The positives and negatives of the Fintech landscape - What it will take to solve the financial education problem 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.

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 the 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 here and don’t forget to check out our YouTube! Until next time!

Companies looking to build banking within their model have had to face 3 big challenges over the past decade: managing bank relationships, keeping up with compliance, and building technology to take their banking to market.  Today’s guest is helping Fintech solve these problems: Itai Damti, CEO at Unit. He joins the show to explain banking as a service and how Unit is helping companies with their banking integrations. In this episode, we discuss: - Banking as a service - How Unit stands out, its vision, and its customers - Areas for improvement in banking in 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! Listening on a desktop & can’t see the links? Just search for Payments Innovation in your favorite podcast player.

Sometimes, you can get lucky with a few bets on the stock market but, usually, you need some advice if you really want to succeed with your investments.  Yet, most advisors fail to deliver real value — so where do you turn?  Fintech, of course... Like the revolutionary investing technology today’s guests, Chuk Orakwue, Managing Partner, and Louis Ortiz, Head of Growth, are delivering at Xantos Labs. In this episode, we discuss: Why average people struggle to maintain a thriving portfolio Why you need to do better than average with your investments (and how you can) How Xantos Labs is differentiating itself from existing investment technology like Robin Hood 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.

Paytech is one of the most important emerging sectors in Fintech, yet for many, it’s a mystery. Not so for James Teodorini, Senior Paytech Consultant at Currencycloud, today’s guest and our newest host on payments innovation. He joins the show to demystify Paytech. In this episode, we discuss: James’ background The definition of Paytech  The guests James will feature in upcoming episodes 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

In recent years, Fintech has helped fuel Africa’s economic success. Now, some Fintechs on the continent are ready to expand their operations internationally.  And that’s not just good news for Africa — it’s good news for everyone.  Today’s guest, Omosalewa Adeyemi, Head of Global Partnerships and Expansion Team at Flutterwave, is leading the charge for one such Fintech. She joins the show to share why Flutterwave is a perfect fit for North American markets. In this episode, we discuss: Flutterwave’s unique value proposition The effect of COVID on merchants and international payments What Flutterwave looks for when partnering internationally 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.

If you are dealing with hundreds — if not thousands — of payments a day, you could hire a 30-person finance team, read 600 pages on ACH, and another 300 on the wire system. Or you could save yourself some time and money by listening to today’s guest. That’s because Sam Aarons, as Co-Fo under & CTO at Modern Treasury , has helped build a way for you to automate these payments, no matter where you bank, without the hassle you’d face building that capability in-house.  In this episode, we discuss: The 3 pillars of Modern Treasury The importance of meeting your customers where they’re at Their new double-entry accounting product, Ledger, which can save you even more time and money 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.

Remember when there’d be a pitch for startup capital, with a straightforward yes or no in response? Well, things are a little different now, and we have people like Prashant Fuloria, Fundbox CEO, to thank for that. What we talked about: - The working capital marketplace - Banks vs Fundbox: the cost of managing unpaid receivables - The Fundbox customer experience - Small business COVID-19 economic recovery Check out these resources we mentioned during the podcast: - Prashant’s LinkedIn profile - Fundbox’s website 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.

Cross-border remittances used to be slow and the fees could end up being upwards of 10%, but thanks to innovations like blockchain and better banking partnerships, that’s all changing. Today’s guest is someone helping to lead that change: Manos Yoganathan, Vice President at Remitbee. He joins the show to explain how. In this episode, we discuss: - The remittance revolution - How blockchain technology is improving the remittance space - The challenge of partnering with banks in Canada 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.

Cashless participation is the catalyst in the mission to drive equitable stock ownership through ESPPs (Employee Stock Purchasing Plans). Aaron Shapiro, CEO & Founder of Carver Edison, is here to tell us all about it in the latest episode of Payments Innovation. What we talked about: - Aaron’s journey into the corporate equity niche - Carver Edison’s place on the ESPP spectrum - Do ESPPs offer diversification opportunities? - The win-win-win situation created by cashless participation. Check out these resources we mentioned during the podcast: - Aaron’s LinkedIn profile - Carver Edison’s website - Carbon, Carver Edison’s equity education 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! Listening on a desktop & can’t see the links? Just search for Payments Innovation in your favorite podcast player.

In finance, partnerships can often be hard to pin down, but understanding the ins-and-outs of partnerships can mean a world of difference for Fintechs everywhere. Which is why this episode, as part of our Fintech Karaoke series, Cara Hayward interviews Kara Parkey, Director of Business Development at MX, to learn the secrets to successful partnerships. They discuss: - What defines a partner and the best way to choose them - How to get buy-in and sales alignment - The future of partnerships 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. 

The rich stay rich, and get richer, not by increasing their income, but by controlling their expenses. Spend management might not be an obvious option but it’s always worthwhile. Thejo Kote calls it like it is: companies have a problem managing their spend. Fortunately for us, his firsthand experience inspired him to found Airbase. What we talked about: - Spend management deserves your focus - How and why Airbase gives you spend management superpowers - The current and future state of the spend management marketplace Check out these resources we mentioned during the podcast: - Thejo’s LinkedIn profile - Airbase’s website 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.

Currencycloud’s Payments Innovation podcast is about 3 years old, and we couldn’t be prouder of all the conversations we’ve had about new business perspectives on the global digital economy. Today, we’re introducing a new podcast host who will pioneer a Payments Innovation series focused on our current clients and how they’re scaling. We’re excited to highlight our newest podcast host Scott Ernenwein, North America Account Manager: Fintech and Banking at Currencycloud. In this introductory episode, you’ll hear about: - Scott’s background in banking - His insights into current customer transformations - Challenges facing customers at scale - His vision for the client episodes 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. 

The pandemic may be in its final stretch, but it’s changed the world forever — especially how we work. Now, an internationally distributed workforce has become more attractive. But that can be a major challenge without the right tools. Our latest guest, Matt Drozdzynski, CEO and Founder of Pilot, is one of the people helping to provide those tools, offering businesses ways to deal with everything from payroll to compliance across borders. He joins the show to discuss: - How COVID transformed how we work - How Pilot is helping to power the shift in international work - The future of distributed work 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. 

Not every business tanked during the pandemic, but that doesn’t mean that they didn’t experience challenges. Shaun Puckrin, Chief Product Innovation Officer at Global Processing Services, shares details of the journey from the growth side of the pandemic, in the latest episode of Payments Innovation. What we talked about: - Not all companies fell off the face of a cliff when COVID-19 became a pandemic, but why? Surely there were other challenges for them during this time? - The value of international payments and what’s next for the cross-border ecosystem. - The challenger-bank-in-a-box solution. Check out these resources we mentioned during the podcast: - Shaun’s LinkedIn profile - GPS’s website - Shaun’s Twitter profile 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.

Compliance often used to be seen as something you reluctantly dedicated resources to in order to please the lawyers. But that’s changing… Because behind every great Fintech is the ability to manage risk. Who said compliance can’t be sexy? Certainly not today’s guest, Charlie Delingpole, Founder and CEO at ComplyAdvantage, where his work helping companies leverage compliance as a strategic business asset is finally making compliance sexy. In this episode, we discuss: - The kinds of risks compliance addresses - Why compliance is a competitive advantage for Fintech - How ComplyAdvantage is making compliance intelligent 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.

Embedded finance is the game changer we never knew we needed. Robert Cortright, Founder & CEO at DriveWealth, walks us through the what, how, and why on the latest episode of Payments Innovation. What we talked about: - Fractional trading, financial literacy & AI - Brokerage vs. embedded finance - What to expect from the digital financial ecosystem in the next year or so Check out these resources we mentioned during the podcast: - DriveWealth’s website - Greenlight financial literacy initiative - Bob’s LinkedIn profile To hear more interviews like this one, subscribe to Payments Innovation on Apple Podcasts, Spotify, or your preferred podcast platform. Listening on a desktop & can’t see the links? Just search for Payments Innovation in your favorite podcast player.

Bringing on new full-time employees from different countries comes with its share of complications. From resolving legal grey areas to providing a first-class experience for the employee, Panther aims to solve these issues. Matt Redler, Founder and CEO of Panther, joins us to discuss how the company is changing the way remote work operates with employees in multiple countries. We talked about: - How Panther got started - The issues with hiring employees globally - What sets Panther apart from similar companies To hear more interviews like this one, subscribe to Payments Innovation on Apple Podcasts, Spotify, or your preferred podcast platform. Matt can be reached at the following: https://www.linkedin.com/in/mattredler/ Matt@withpanther.com