Big tech is transforming every aspect of our world. But how, and at what cost? This season of Land of the Giants – The Disney Dilemma – focuses on Disney’s ability to weather the ups and downs of the business cycle and changing tastes and explores what has kept it successful for over 100 years. The entertainment giant has leveraged nostalgia and its intellectual property to build a beloved brand, but after an acquisition spree that included Marvel, Lucasfilm, and 20th Century Fox, can it sus ...
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The Influence Factor by The Influencer Marketing Factory
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Best Business Podcast (Gold), British Podcast Awards 2023 How do you build a fully electric motorcycle with no compromises on performance? How can we truly experience what the virtual world feels like? What does it take to design the first commercially available flying car? And how do you build a lightsaber? These are some of the questions this podcast answers as we share the moments where digital transforms physical, and meet the brilliant minds behind some of the most innovative products a ...
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It’s no secret that business owners want to receive positive reviews and customers want to have a positive experience. In Behind the Review, Yelp and Entrepreneur dig a little deeper on both accounts. Hosted by Yelp’s Small Business Expert, Emily Washcovick, Behind the Review features conversations with reviewers and business owners about their experiences—whether it was one star or five stars—giving listeners behind-the-scenes insights into what was really going on. Restaurants, plumbers, f ...
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1 Richard (Kudo) Couto: The Hidden Horror Behind a Billion-Dollar Brand 42:18
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Liked“I used to be the largest dairy consumer on the planet. I used to eat so much dairy and meat. The more that I looked into the dairy industry, the more that I saw that it was the singular, most inhumane industry on the planet, that we've all been lied to, including myself, for years. I always believed that the picture on the milk carton, the cow standing next to her calf in the green field with the red barn in the back was true. It’s certainly the complete opposite.” – Richard (Kudo) Couto Richard (Kudo) Couto is the founder of Animal Recovery Mission (ARM), an organization solely dedicated to investigating extreme animal cruelty cases. ARM has led high-risk undercover operations that have resulted in the shutdown of illegal slaughterhouses, animal fighting rings, and horse meat trafficking networks. Recently, they released a damning investigation into two industrial dairy farms outside of Phoenix, Arizona supplying milk to Coca-Cola’s Fairlife brand. What they uncovered was systemic animal abuse, environmental violations, and a devastating betrayal of consumer trust. While Fairlife markets its products as being sourced "humanely," ARM’s footage tells a very different story—one of suffering, abuse, and corporate complicity. Despite the evidence, this story has been largely ignored by mainstream media—likely due to Coca-Cola’s massive influence and advertising dollars.…
Fixing America’s Credit Problem with Arro’s Ryan Duitch
Manage episode 464716006 series 2886265
Content provided by Soar Payments and Soar Payments LLC. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Soar Payments and Soar Payments LLC or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://ppacc.player.fm/legal.
Episode Topic
In this episode, Ryan Duitch,Founder and CEO of Arro, discusses how his company is transforming the credit industry by making credit accessible, fair, and educational for consumers who are often overlooked by traditional financial institutions. Unlike conventional credit cards that rely heavily on FICO scores, Arro uses alternative data, cash flow analysis, and behavioral insights to approve customers and help them build a stronger financial foundation. By offering soft credit pulls, small initial credit limits, and a growth-based rewards system, Arro provides a low-risk and empowering path to improving credit scores.
Arro also integrates financial literacy directly into its platform, offering users educational tools, goal-based incentives, and AI-powered financial coaching to guide them through responsible credit usage. With a mission to break the cycle of bad credit decisions, Arro's unique model is reshaping the way consumers approach credit, making financial empowerment accessible to all.
Lessons You’ll Learn Listeners will gain actionable insights into how fintech is redefining credit accessibility and financial literacy. Ryan explains how soft credit pulls, cash flow underwriting, and behavior-based credit line increases can help individuals with low or no credit history build stronger financial profiles. Learn how Arro’s gamified financial education system encourages responsible spending and rewards users for making smart financial decisions.
The conversation also highlights the flaws in the traditional credit system, such as how rent payments don’t count toward credit scores and why many consumers struggle with financial education. Ryan discusses the future of credit scoring and how Arro is working to change the industry narrative by creating an alternative credit model that measures financial health beyond just past borrowing behavior.
About Our Guest Ryan Duitch is the CEO and founder of Arro, a fintech company dedicated to making credit more accessible and fair. With a background in financial services and consumer behavior, Ryan has spent years studying the challenges that people face when trying to build or repair their credit. His deep understanding of alternative credit models, financial literacy, and behavioral finance has positioned Arro as a trailblazer in inclusive lending solutions.
Under his leadership, Arro has developed a first-of-its-kind system that eliminates the reliance on FICO scores, instead using cash flow analysis, educational incentives, and AI-driven financial coaching to help consumers gain access to credit. Ryan’s mission is to break down barriers in the financial industry by providing a smarter, fairer, and more transparent way for people to manage and grow their credit responsibly.
Topics Covered This episode explores the challenges and opportunities in credit building, focusing on how Arro’s alternative credit system is helping consumers take control of their financial futures. Ryan explains the importance of financial literacy, highlighting how Arro’s platform integrates education and behavioral incentives to promote better credit habits.
We also discuss how soft credit pulls, AI-powered financial coaching, and data-driven underwriting are reshaping the future of lending. Whether you're someone with no credit history, recovering from financial setbacks, or looking for smarter ways to build credit, this conversation provides practical takeaways on how fintech is driving financial empowerment in today’s digital world.
430 episodes
ShareManage episode 464716006 series 2886265
Content provided by Soar Payments and Soar Payments LLC. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Soar Payments and Soar Payments LLC or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://ppacc.player.fm/legal.
Episode Topic
In this episode, Ryan Duitch,Founder and CEO of Arro, discusses how his company is transforming the credit industry by making credit accessible, fair, and educational for consumers who are often overlooked by traditional financial institutions. Unlike conventional credit cards that rely heavily on FICO scores, Arro uses alternative data, cash flow analysis, and behavioral insights to approve customers and help them build a stronger financial foundation. By offering soft credit pulls, small initial credit limits, and a growth-based rewards system, Arro provides a low-risk and empowering path to improving credit scores.
Arro also integrates financial literacy directly into its platform, offering users educational tools, goal-based incentives, and AI-powered financial coaching to guide them through responsible credit usage. With a mission to break the cycle of bad credit decisions, Arro's unique model is reshaping the way consumers approach credit, making financial empowerment accessible to all.
Lessons You’ll Learn Listeners will gain actionable insights into how fintech is redefining credit accessibility and financial literacy. Ryan explains how soft credit pulls, cash flow underwriting, and behavior-based credit line increases can help individuals with low or no credit history build stronger financial profiles. Learn how Arro’s gamified financial education system encourages responsible spending and rewards users for making smart financial decisions.
The conversation also highlights the flaws in the traditional credit system, such as how rent payments don’t count toward credit scores and why many consumers struggle with financial education. Ryan discusses the future of credit scoring and how Arro is working to change the industry narrative by creating an alternative credit model that measures financial health beyond just past borrowing behavior.
About Our Guest Ryan Duitch is the CEO and founder of Arro, a fintech company dedicated to making credit more accessible and fair. With a background in financial services and consumer behavior, Ryan has spent years studying the challenges that people face when trying to build or repair their credit. His deep understanding of alternative credit models, financial literacy, and behavioral finance has positioned Arro as a trailblazer in inclusive lending solutions.
Under his leadership, Arro has developed a first-of-its-kind system that eliminates the reliance on FICO scores, instead using cash flow analysis, educational incentives, and AI-driven financial coaching to help consumers gain access to credit. Ryan’s mission is to break down barriers in the financial industry by providing a smarter, fairer, and more transparent way for people to manage and grow their credit responsibly.
Topics Covered This episode explores the challenges and opportunities in credit building, focusing on how Arro’s alternative credit system is helping consumers take control of their financial futures. Ryan explains the importance of financial literacy, highlighting how Arro’s platform integrates education and behavioral incentives to promote better credit habits.
We also discuss how soft credit pulls, AI-powered financial coaching, and data-driven underwriting are reshaping the future of lending. Whether you're someone with no credit history, recovering from financial setbacks, or looking for smarter ways to build credit, this conversation provides practical takeaways on how fintech is driving financial empowerment in today’s digital world.
430 episodes
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PayPod: The Payments and Fintech Podcast
1 Gemini AI Fixes Conversion and AOV Problems – Matthew Stafford 22:02
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Play Later Play Later Lists Like LikedEpisode Topic: Matthew Stafford , Managing Partner at Build Grow Scale, joins PayPod to break down what’s really holding e-commerce stores back from growth—and how conversion rate optimization, rooted in behavioral psychology and powered by AI, is changing the game. Lessons You’ll Learn: Why most CRO fails without psychology, how customer friction kills conversions, and why real-time feedback and simple design build lasting trust. About Our Guest: Matthew Stafford is Managing Partner at Build Grow Scale, an optimization agency focused on maximizing revenue from existing traffic. With a deep background in e-commerce, Matt has worked with over 1,000 stores to optimize user experience, increase revenue per visitor, and leverage data intelligently. His approach blends UX simplicity, customer psychology, and modern AI tools like Google Gemini to help brands grow without unnecessary ad spend. Topics Covered: Why traffic isn’t the problem—conversion is Treating browsers and shoppers differently How friction kills trust Key trust-building elements for e-commerce Using AI to synthesize analytics and sales goals Psychological strategies for better UX and form design…
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PayPod: The Payments and Fintech Podcast
1 Automating Bank Disputes to Build Trust - Fatemeh Nikayin 27:09
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Play Later Play Later Lists Like LikedEpisode Topic: Fatemeh Nikayin , Co-founder and CEO of Rivero AG , joins PayPod to reveal how AI-powered solutions are transforming how banks manage payment disputes. She shares how building trust, minimizing customer distress, and enabling lightweight innovation are critical for modern fintech success. Lessons You’ll Learn: How protecting customer data unlocks bank adoption, why customer dispute experiences can determine brand loyalty, and why AI needs to be applied differently in regulated industries like finance. About Our Guest: Fatemeh Nikayin is the Co-founder and CEO of Rivero AG, a fintech company helping banks modernize the payment dispute process using AI and rule-based automation. Fatemeh has deep experience working within financial services and studied Internet of Things platforms at the PhD level, giving her a unique perspective on platform adoption, customer experience, and privacy-centric innovation. Topics Covered: Why SaaS for banks must prioritize data sovereignty The growing strategic importance of payment operations How customer disputes can become trust-building opportunities Applying AI carefully: rule-based vs. LLMs in fintech Challenges of modernizing banks with legacy systems How payment dispute handling differs across regions…
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PayPod: The Payments and Fintech Podcast
1 Building Real Startups with Purpose – Kanyi Maqubela 37:18
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Play Later Play Later Lists Like LikedEpisode Topic: Kanyi Maqubela, Managing Partner at Kindred Ventures, joins PayPod to discuss how values-led venture capital supports high-impact startups across fintech, climate, and more. Discover how Kindred identifies founders who move fast, think big, and adapt as they scale game-changing ideas into real-world solutions. Lessons You’ll Learn: Why startup success hinges on speed and altitude-shifting, how to think about funding vs. profitability, and the importance of empathetic market insight when serving underrepresented or global communities. About Our Guest: Kanyi Maqubela is the Managing Partner at Kindred Ventures, a firm backing mission-aligned startups that want to reshape industries. With investments across fintech, health, and frontier tech, Kanyi draws from years of founder-first investing and has a sharp lens on team-building, product-market fit, and scalable impact. Topics Covered: The role of velocity and quick iteration in startup success How VC can be a vehicle for real-world problem solving Startup risk frameworks and phases of survival The critical skill of "altitude shifting" in founders Diversity in startups: Empathy > Demographics Where fintech is heading—just-in-time lending, modular ledgers, and more Balancing profit and purpose in early-stage companies…
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PayPod: The Payments and Fintech Podcast
1 Avoid IRS Surprises with Year-Round Tax Planning Sohail Sadeghi 22:24
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Play Later Play Later Lists Like LikedEpisode Topic: Sohail Sadeghi, founder of Atlantis Tax Group, joins PayPod to explore how business owners, investors, and high-income earners can shift their mindset from tax compliance to tax strategy. Sohail shares his insights on the most common tax mistakes he’s seen, provides guidance on leveraging real estate for tax benefits, and explains how proactive tax planning can save thousands of dollars in the long run. Lessons You’ll Learn: Discover the importance of proactive tax planning throughout the year. Learn the tax deductions and credits specific to your business or industry. Understand how to reduce your taxable income using retirement accounts and real estate investments.Find out why you should consult with a tax professional beyond tax season. About Our Guest: Sohail Sadeghi is the founder of Atlantis Tax Group, a firm dedicated to helping clients with tax planning and strategy. With years of experience in navigating the tax system, Sohail helps individuals and businesses lower their tax liabilities while building long-term financial success. His client-focused approach sets him apart from traditional tax firms by providing personalized strategies and regular planning sessions throughout the year. Topics Covered: Tax planning for business owners and investors Maximizing deductions and credits based on your industry The importance of tax planning beyond tax season Tax strategies for real estate investors and short-term rental deductions…
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PayPod: The Payments and Fintech Podcast
1 How Alternative Data Transforms Credit Risk – with John Gordon 26:48
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Play Later Play Later Lists Like LikedEpisode Topic John Gordon, CEO of ValidiFI, joins PayPod to discuss how alternative data is revolutionizing credit risk assessment. Discover how using ACH history, bank account behavior, and fraud signals is giving lenders a clearer, fairer view of consumer creditworthiness in today’s fast-changing financial landscape. Lessons You’ll Learn Explore why credit scores are no longer enough, and how alternative data fills the gaps. Learn how fraud prevention is evolving, how underserved populations benefit from better data, and why ACH validation is becoming a fintech essential. About Our Guest John Gordon is the CEO of ValidiFI, a SaaS platform that helps financial institutions assess credit risk and fraud through alternative data. With over a billion consumer inquiries analyzed, ValidiFI helps lenders, processors, and service providers unlock the power of bank behavior, account validation, and predictive analytics to make smarter decisions. Topics Covered: Credit scores vs. alternative data ACH validation and fraud detection Bank account behavior as a risk indicator Financial inclusion and non-prime consumers Buy Now, Pay Later and missing data in bureaus Emerging trends in data consortiums and fintech regulation…
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PayPod: The Payments and Fintech Podcast
1 Blockchain Money Transfer Tools for Finance Leaders to Cut FX Costs Globally with Kevin Lehtiniitty 33:39
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Play Later Play Later Lists Like LikedEpisode Topic Today’s episode gets into the weeds into how stablecoins are transforming cross-border payments and financial access. Kevin Lehtiniitty, CEO of Borderless.xyz, reveals how his team is building the connective tissue for global stablecoin movement by partnering with licensed financial institutions. This episode uncovers the opportunities and challenges in building a compliant, scalable crypto payment network that thrives in both developed and emerging markets. Lessons You’ll Learn You’ll learn why stablecoins are reshaping how people save, spend, and move money globally, especially in inflation-stricken economies. Kevin breaks down the difference between fiat-backed and algorithmic stablecoins, explains how Borderless.xyz operates without holding custody of funds, and explores how compliance and innovation can coexist in crypto infrastructure. About Our Guest Kevin Lehtiniitty is the CEO of Borderless.xyz, a fintech startup building the world’s largest stablecoin orchestration network. Kevin’s journey began with a rejected Bitcoin transaction that led him to question the role of banks and the need for permissionless money. Before founding Borderless.xyz, he worked in regulated crypto custody and healthcare fintech. He’s a strong advocate for financial freedom, regulatory clarity, and building tech that levels the global playing field. Topics Covered: What stablecoins should be—and why algorithmic ones don’t qualify How Borderless.xyz connects local payment rails via a global network Dollarization and stablecoins as proxies for USD in emerging markets Regulatory challenges and why being non-custodial matters The rise of stablecoin-driven neobanks across Latin America and Africa CBDCs and the looming impact of forced conversions in authoritarian regimes Lessons from banking restrictions and the push for financial innovation…
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PayPod: The Payments and Fintech Podcast
1 DeFi Yield Strategy for Fintech Builders to Launch Scalable Crypto Products with Maxim Galash 27:56
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Play Later Play Later Lists Like LikedEpisode Topic Today’s conversation explores how decentralized finance (DeFi) has transformed the crypto landscape, especially for businesses in emerging markets. Maxim Galash, CEO of Coinchange, shares insights on building automated yield products, the role of stablecoins in global commerce, and how regulation is shaping the future of financial infrastructure in crypto. Lessons You’ll Learn You’ll learn how platforms like Coinchange offer passive income opportunities through a combination of staking, hedge funds, and DeFi protocols. Max explains why they pivoted to B2B after the collapse of Celsius and BlockFi, how stablecoins enable cross-border transactions, and what the future holds for regulation, innovation, and adoption in DeFi. About Our Guest Maxim Galash is the CEO of Coinchange, a fintech company offering automated crypto yield products tailored for fintechs and B2B platforms in emerging markets. Under his leadership, Coinchange has shifted from a retail-focused platform to a sophisticated infrastructure provider, enabling clients to earn yield via staking, hedge funds, and decentralized liquidity pools. Max is also closely involved with navigating international compliance, helping businesses provide regulated yield products globally. Topics Covered DeFi vs CeFi: What’s changed since the 2022 crypto crashes Why Coinchange moved from retail to B2B How stablecoins are used in cross-border payments Managing risk through diversified, automated strategies Regulatory challenges across the US, EU, and emerging markets The role of Telegram blockchain and the future of mini apps Tokenized T-bills and institutional DeFi adoption…
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PayPod: The Payments and Fintech Podcast
Episode Topic In this episode of PayPod, host Kevin Rosenquist sits down with Adam Katz, founder and CEO of Kaletra, to discuss the challenges and inefficiencies in foreign exchange (FX) trading. Despite FX being a $7.2 trillion daily market, many financial institutions still rely on outdated legacy systems, leading to high fees, slow transactions, and inefficiencies. Adam explores why banks hesitate to modernize their FX infrastructure and how AI, automation, and fintech innovation can drive the future of cross-border transactions. They also touch on the role of blockchain, cryptocurrency, and geopolitical shifts in shaping the FX landscape. Lessons You’ll Learn In this insightful discussion, Adam shares why banks struggle with outdated technology, how legacy banking systems create hidden costs, and the impact of government debt on currency volatility. You’ll learn about the true cost of FX inefficiencies, how fintech disruptors are offering better alternatives, and why AI-driven automation is the key to lowering transaction costs. Adam also breaks down the hype vs. reality of blockchain in FX, revealing why traditional finance is still reluctant to embrace digital currencies. About Our Guest Adam Katz is the founder and CEO of Kaletra, a company dedicated to modernizing FX trading through cutting-edge financial technology. With years of experience in foreign exchange markets and fintech innovation, Adam has deep insights into the challenges banks face with legacy systems. From his early days in computer programming to his work in financial services, Adam has been passionate about building modern, efficient infrastructure for FX trading. Topics Covered The inefficiencies of legacy FX trading systems. Why banks resist technology upgrades despite high costs. The hidden fees in cross-border transactions. How AI and automation are reshaping FX trading. The role of blockchain and digital currencies in finance. Geopolitical shifts and their impact on global currency markets…
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PayPod: The Payments and Fintech Podcast
1 Real Time Website Protection for Security Leaders to Stop Push Button Scam Kits with Kate Cox 27:58
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Play Later Play Later Lists Like LikedEpisode Topic In this episode of PayPd , host Kevin Rosenquist explores the urgent and growing issue of online impersonation and digital fraud with Kate Cox, Business Development Lead at Memcyco. As cyber threats become more sophisticated, Memcyco is pioneering real-time detection technology to uncover spoofed websites and protect both businesses and their customers from fraud. Lessons You’ll Learn This episode dives deep into how fake websites are created, the mechanics of phishing and spoofing attacks, and the real-time tools being used to stop fraud before it starts. You’ll gain insight into the role AI plays on both sides of the cybersecurity battle—enabling cybercriminals and empowering defenders. Kate also shares how businesses can protect their users and build long-term digital trust in an increasingly risky online world. About Our Guest Kate Cox is the Business Development Lead at Memcyco, a company at the forefront of digital fraud prevention. With a strong background in cybersecurity and business strategy, Kate works closely with organizations to implement proactive fraud protection solutions. Her mission is to make the internet safer by helping companies detect and block spoof sites in real time—before the damage is done. Topics Covered The rise and risk of spoofed websites The difference between phishing and spoofing attacks How Memcyco’s real-time detection technology works The role of AI in modern cybercrime Building digital trust through proactive protection Emerging threats like session hijacking and man-in-the-browser attacks…
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PayPod: The Payments and Fintech Podcast
1 How Digital Banking Helps Investors Manage Money Efficiently Tomas Navickas 27:37
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Play Later Play Later Lists Like LikedEpisode Topic In this episode, we dive into the world of fintech innovation with Tomas Navickas, the CTO and co-founder of myTU. He shares insights on how myTU is transforming digital banking and enhancing financial accessibility. As a leader in the industry, Tomas discusses the challenges of scaling a fintech startup, the role of technology in financial services, and how myTU aims to simplify money management for individuals and businesses. Lessons You’ll Learn This episode will equip you with key insights into modern banking solutions and the fintech landscape. You’ll discover how emerging financial technologies are reshaping the industry and what it takes to drive innovation in digital payments. Tomas also shares practical advice on entrepreneurship in fintech, the importance of security and compliance, and how businesses can leverage fintech solutions to streamline operations. About Our Guest Tomas Navickas is a seasoned fintech expert and technology leader with a passion for financial innovation. As the CTO and co-founder of myTU, he has played a pivotal role in shaping the platform’s vision, focusing on secure and user-friendly digital banking solutions. His expertise spans software development, financial technology, and business strategy, making him a key figure in the industry’s digital transformation. Topics Covered The evolution of digital banking Challenges of building a fintech startup The future of financial technology How myTU is changing money management…
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PayPod: The Payments and Fintech Podcast
1 How Facilitation Transforms Teams & Drives Success with Therese Miclot 30:33
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Play Later Play Later Lists Like LikedEpisode Topic Effective leadership is more crucial than ever in today’s fast-changing work environment. But what does it truly take to lead with confidence, clarity, and compassion? In this episode of PayPod, we welcome leadership coach and facilitation expert Therese Miclot, who has spent over two decades helping individuals develop the skills to lead with impact. We explore how facilitation plays a key role in leadership, how leaders can cultivate the right mindset, and why mastering communication is essential for team success. Whether you’re managing a remote team, navigating difficult conversations, or striving to improve your influence, this conversation is packed with actionable insights to elevate your leadership skills. Lessons You’ll Learn Leadership is more than just managing people—it’s about guiding teams effectively, fostering engagement, and making strategic decisions that drive results. In this episode, you’ll learn how facilitation skills can make you a more effective leader, including active listening, storytelling, and navigating tough discussions. Therese shares why great leadership starts with mindset and how self-awareness can shape the way you interact with your team. We also explore practical ways to enhance meeting dynamics, prevent disengagement, and ensure your team feels heard and valued. Whether you’re leading in a traditional office, hybrid setup, or fully remote environment, these strategies will help you foster a culture of collaboration and accountability. About Our Guest Therese Miclot is an executive coach, leadership development expert, and the author of The Facilitation Advantage. With a background in industrial and organizational psychology, she has spent over 20 years working with top executives, helping them master the art of leadership through facilitation techniques. She has led global learning and development initiatives, worked closely with C-suite leaders on succession planning, and helped organizations enhance their team effectiveness. Through her coaching and workshops, she empowers leaders to communicate with confidence, delegate effectively, and create an environment where teams thrive. You can find her insights on leadership and facilitation at TheFacilitationAdvantage.com or follow her on LinkedIn. Topics Covered What facilitation really means in leadership and why it’s a critical skill.The impact of mindset on leadership effectiveness and team dynamics.The importance of active listening and how it can transform team engagement.How to run better meetings, avoid disengagement, and encourage meaningful participation.Why storytelling is a powerful tool for influence and communication.The challenges of remote and hybrid leadership and how to adapt for success.How leaders can balance psychological safety with accountability.Practical tips for developing facilitation skills to elevate your leadership.…
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PayPod: The Payments and Fintech Podcast
1 Simplifying F&I Products in Auto Finance with F&I Sentinel's Stephen McDaniel 28:47
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Play Later Play Later Lists Like LikedEpisode Topic In this episode of PayPad, we sit down with Stephen McDaniel, CEO of F&I Sentinel, to uncover the complexities of auto financing compliance and the hidden world of F&I products. From gap waivers to extended warranties, Stephen sheds light on how these financial products impact both consumers and lenders. We also explore how compliance regulations shape the car-buying experience, what role lenders play in ensuring fair practices, and how technology is revolutionizing auto finance compliance. Stephen shares his expert insights on what the future holds for car buying, digital retailing, and F&I product transparency. Lessons You’ll Learn This episode will provide a deeper understanding of F&I products, including what they are, why they matter, and how they can protect or potentially exploit consumers. You’ll learn how compliance in auto finance ensures fairness and transparency, why lenders need to be more vigilant about what they finance, and how technology-driven solutions like Citadel are reshaping the industry. If you've ever questioned the fine print on extended warranties, tire and wheel protection plans, or gap waivers, this discussion will equip you with the knowledge to make smarter financial decisions when purchasing a vehicle. About Our Guest Stephen McDaniel is a regulatory compliance expert with nearly two decades of experience in the F&I industry. Before founding F&I Sentinel, he worked as a regulatory attorney, helping craft legislation and compliance frameworks for automotive finance products. His deep industry knowledge and legal expertise led him to create Citadel, a platform designed to help lenders validate and approve F&I products before financing them. With a background in law and accounting, Stephen brings a unique perspective on the intersection of business, compliance, and consumer protection in the automotive sector. Topics Covered We cover a wide range of essential topics, including: What F&I products are and how they impact car buyers The importance of compliance in auto finance and why lenders must pay attention How F&I Sentinel's Citadel platform is transforming the industry The shift toward digital car buying and what it means for consumers Common misconceptions about dealership add-ons and how to protect yourself The future of auto finance and how technology is making the process more transparent and fair…
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PayPod: The Payments and Fintech Podcast
1 Optimizing Subscription Payments with Revolv3's Robert Podlesni 35:03
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Play Later Play Later Lists Like LikedEpisode Topic In this episode of PayPod, host Kevin Rosenquist sits down with Robert Podlesni, Chief Product Officer of Revolv3, to explore the rapidly evolving landscape of subscription-based payment processing. As businesses increasingly shift to subscription models, optimizing payment approval rates and minimizing involuntary churn has never been more critical. Robert shares insights into the cutting-edge technology Revolv3 is leveraging to streamline payment processing, reduce transaction failures, and enhance revenue retention. Beyond payments, we dive into his passion for motorsports, drawing parallels between racing and the fast-paced world of fintech. Lessons You’ll Learn Listeners will gain a deep understanding of the challenges businesses face with payment declines and how strategic payment routing can significantly improve approval rates. Robert also breaks down Revolv3’s innovative pricing model, which only charges for successful transactions, making it a game-changer for merchants. Additionally, he shares his perspective on the future of payment technologies, from real-time payments to the evolving role of alternative payment methods and blockchain. His unique background in racing offers valuable lessons on handling pressure, agility in decision-making, and the importance of adaptability—essential qualities for navigating the fintech industry. About Our Guest Robert Podlesni is the Chief Product Officer of Revolv3, a company at the forefront of optimizing subscription billing and payment orchestration. With a career rooted in payments, he previously worked at Experian, where he spearheaded internal billing initiatives. Beyond fintech, Robert has an impressive background in motorsports, having won multiple championships in Formula F2000 and competed in endurance racing. Today, he not only drives innovation in payment processing but also coaches aspiring racers in the USF Pro 2000 series. His ability to balance the high-speed demands of both industries makes him a fascinating guest with a wealth of knowledge to share. Topics Covered The role of payment optimization in reducing involuntary churn How Revolv3 achieves industry-leading transaction approval rates The impact of real-time payments and alternative payment methods Lessons from the motorsports world that apply to fintech The future of subscription-based payment models The importance of security in payment processing without adding friction Robert’s journey from auto racing to payments and fintech leadership…
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PayPod: The Payments and Fintech Podcast
1 Exploring AI-Powered Financial Data Governance with Safebooks AI's Ahikam Kaufman 24:07
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Play Later Play Later Lists Like LikedEpisode Topic In this episode of PayPod, we explore the future of financial data governance with Ahikam Kaufman, co-founder and CEO of Safebooks AI. As financial data management becomes more complex, businesses must ensure accuracy, compliance, and security in real time. Ahikam shares insights on how AI-powered automation is revolutionizing the industry, allowing enterprises to seamlessly validate and substantiate their financial data. From navigating large-scale transactions to ensuring financial integrity, this episode provides a deep dive into the evolving landscape of fintech and how Safebooks AI is pioneering change. Lessons You’ll Learn Listeners will gain a better understanding of financial data governance and the challenges enterprises face in managing financial records across multiple platforms. Ahikam explains the role of AI in automating reconciliation, reducing errors, and improving financial oversight. He also shares insights into the entrepreneurial mindset, discussing the resilience and adaptability needed to thrive in fintech. Whether you’re a CFO, startup founder, or fintech enthusiast, this episode offers valuable lessons on leveraging AI for financial compliance and making data-driven decisions with confidence. About Our Guest Ahikam Kaufman is a seasoned fintech entrepreneur and the co-founder and CEO of Safebooks AI. With a background that includes co-founding Check Inc. (now Intuit Mint Bills), Ahikam has been at the forefront of fintech innovation for over 15 years. His expertise in financial technology, AI-driven automation, and data integrity has helped transform how enterprises manage financial data. At Safebooks AI, he is leading efforts to bridge the gap between finance professionals and data experts, ensuring businesses have the tools to maintain financial accuracy and compliance at scale. Topics Covered This episode covers a wide range of topics, including the importance of financial data governance, how AI is reshaping financial reporting, and the challenges of scaling a fintech company. Ahikam shares his journey as a founder, the lessons he has learned from building successful startups, and the impact of AI on financial data security and compliance. We also discuss how businesses can maintain financial integrity while adapting to evolving regulatory standards. Tune in to discover how AI-powered solutions are helping enterprises streamline operations and reduce financial risks.…
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PayPod: The Payments and Fintech Podcast
1 Unlocking Embedded Finance with Green Dot’s Renata Caine 19:46
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Play Later Play Later Lists Like LikedEpisode Topic Embedded finance is revolutionizing the way businesses and consumers interact with financial services. In this episode of PayPod, we dive into this transformative trend with Renata Caine, General Manager of Banking as a Service (BaaS) at Green Dot Corporation. Renata shares her insights on how embedded finance seamlessly integrates banking solutions into non-financial platforms, allowing brands to enhance customer engagement and drive business growth. With digital banking becoming a core component of many industries, businesses are increasingly adopting embedded finance solutions to create more streamlined, user-friendly financial experiences. Tune in as we explore why embedded finance is not just a trend but the future of fintech. Lessons You’ll Learn What makes embedded finance a game-changer in fintech? In this episode, you'll learn how businesses are leveraging banking-as-a-service (BaaS) to offer integrated financial solutions. Renata highlights how companies are using embedded finance to increase customer loyalty and streamline payment processes. You'll also gain insights into the role of trust and security in financial technology, as well as the regulatory landscape shaping this evolving space. Whether you're a fintech enthusiast or a business leader exploring financial integration, this episode will help you understand why embedded finance is here to stay. About Our Guest Renata Cain is a seasoned fintech leader with nearly two decades of experience in payments and embedded finance. As General Manager of BaaS at Green Dot Corporation, she oversees the company’s embedded finance brand, Arc, which helps businesses integrate seamless banking and payment solutions. With a background in psychology and a passion for financial technology, Renata brings a unique perspective to the industry. She has played a key role in developing embedded finance solutions that empower businesses and enhance customer experiences. Topics Covered Embedded finance is reshaping how businesses integrate financial services, with BaaS playing a critical role in this transformation. In this episode, Renata Cain discusses how companies are embedding digital banking into their platforms to increase user retention and improve payment processing. We explore how trust and compliance influence fintech adoption and why businesses are prioritizing seamless financial solutions. Other topics include consumer behavior, security concerns, and the future outlook of embedded finance in an evolving regulatory landscape.…
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PayPod: The Payments and Fintech Podcast
1 The Future of Edge Data with StorMagic’s Bruce Kornfeld 26:28
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Play Later Play Later Lists Like LikedEpisode Topic Edge computing is transforming how businesses manage and secure data, particularly in industries like banking, retail, and fintech. In this episode of PayPod, host Kevin Rosenquist speaks with Bruce Kornfeld, Chief Marketing and Product Officer at StorMagic, about why edge data solutions are becoming critical for modern enterprises. As businesses continue their digital transformation, they face increasing challenges related to data latency, cost, and security—issues that traditional cloud storage may not fully address. Bruce explains how edge computing enables real-time data processing closer to the source, reducing delays, improving efficiency, and offering greater reliability for mission-critical applications. Whether you’re an IT expert or simply curious about the future of data management, this episode will give you a comprehensive look at how edge solutions are reshaping business operations. Lessons You’ll Learn This episode dives deep into the differences between cloud and edge computing and why businesses need to rethink their data strategies. Bruce highlights how companies often underestimate the importance of local data processing and explains why relying solely on cloud storage may not be cost-effective or efficient. You’ll learn about key factors influencing IT decision-making, from performance limitations and network latency to the hidden expenses of cloud services. Additionally, Bruce shares valuable insights on data security risks at the edge and how encryption plays a crucial role in safeguarding sensitive financial information. As the demand for AI-driven analytics grows, Bruce also discusses how businesses can prepare for a future where edge computing and AI work together to enhance decision-making. About Our Guest Bruce Kornfeld is an industry veteran with extensive experience in storage, data management, and edge computing. As the Chief Marketing and Product Officer at StorMagic, Bruce is responsible for driving innovation and helping businesses implement simple, cost-effective solutions for managing data at the edge. Before joining StorMagic, he held leadership roles at Dell, where he played a pivotal role in building the company's external storage business. He also worked with several successful tech startups, gaining firsthand experience in product development, customer engagement, and business strategy. With a deep understanding of IT infrastructure, data security, and edge computing, Bruce has become a recognized thought leader in the industry. Passionate about simplifying complex technologies, he is committed to helping organizations optimize their IT strategies for the next era of data storage and management. Topics Covered This episode explores the growing importance of edge computing and its advantages over traditional cloud solutions. Bruce explains how businesses can use local data processing to reduce network latency, enhance performance, and lower costs. He also discusses the security challenges of edge computing, particularly in industries handling sensitive financial data, and how encryption technology is essential for protecting digital assets. The conversation covers AI-driven analytics, the evolution of IT decision-making, and how companies can prepare for a future where edge computing and cloud services coexist. Finally, Bruce introduces StorMagic's latest innovations, including solutions designed to make edge storage more accessible, efficient, and scalable for businesses of all sizes.…
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PayPod: The Payments and Fintech Podcast
1 Simplifying DeFi and Cross-Chain Solutions with Tidus Wallet’s Dan Mulligan 26:47
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Play Later Play Later Lists Like LikedEpisode Topic Decentralized finance (DeFi) is reshaping the financial landscape, but its complexity often hinders mainstream adoption. In this episode of PayPod, host Kevin Rosenquist speaks with Dan Mulligan, founder of Tidus Wallet, about making DeFi more accessible. Mulligan shares how his background in marketing and SaaS startups led him to develop a crypto wallet that prioritizes simplicity, security, and innovation. The conversation delves into how user experience (UX) can bridge the gap between traditional finance and DeFi, making digital assets more user-friendly and intuitive. Whether you're a seasoned crypto enthusiast or a newcomer, this episode offers valuable insights into the future of Web3. Lessons You’ll Learn This episode explores the biggest UX challenges in DeFi and how to overcome them. Mulligan explains how reducing friction in crypto transactions, eliminating unnecessary steps, and integrating decentralized finance into everyday applications can accelerate adoption. You’ll also learn about the psychology behind DeFi users—why skepticism exists and how platforms can build trust through transparency and education. Additionally, the discussion covers DeFi’s evolution, its potential for mass adoption, and the role of decentralized wallets in bridging the gap between financial freedom and security. About Our Guest Tidus Wallet, a next-generation crypto wallet designed to simplify decentralized finance for everyday users. With a background in marketing, SaaS startups, and big data analytics, Mulligan pivoted to the Web3 space in 2016. He previously held a director role at a top ten centralized exchange before fully committing to building Tidus. His goal is to create a seamless, user-friendly experience that integrates DeFi into daily financial transactions while maintaining decentralization and security. Mulligan is passionate about fostering innovation and making crypto more accessible for mainstream adoption. Topics Covered The conversation explores Mulligan’s transition from marketing to Web3 entrepreneurship, shedding light on the challenges of DeFi adoption and the crucial role of user experience in making decentralized finance more accessible. He discusses why traditional finance still dominates and what DeFi can learn from its strategies to enhance user retention and trust. The psychology behind DeFi users and the barriers preventing mass adoption are also examined, along with solutions like social recovery to improve security and ease of use. Mulligan provides insight into the future of cross-chain transfers and their role in streamlining DeFi interactions, as well as the growing importance of crypto wallets in integrating DeFi into everyday financial transactions. Finally, the episode touches on the volatility of the crypto market, the potential impact of regulations, and what the future holds for decentralized finance as it moves toward mainstream adoption..…
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PayPod: The Payments and Fintech Podcast
1 Simplifying Software Integrations with Merge's Shensi Ding 23:37
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Play Later Play Later Lists Like LikedEpisode Topic In this episode, we dive into the evolving landscape of software integrations and how businesses can leverage unified APIs to streamline connectivity. Shensi Ding, co-founder of Merge, shares her journey from computer science researcher to entrepreneur, offering a behind-the-scenes look at the challenges of API integrations and why they remain one of the biggest bottlenecks in tech. We explore the hidden complexities of data flow, security risks, and the burden of maintaining integrations—challenges that many companies underestimate. Shensi Ding also explains why traditional approaches to software connectivity are outdated, how unified APIs are reshaping the industry, and the key lessons startups need to consider when scaling. Whether you’re a founder, developer, or tech enthusiast, this conversation will give you a fresh perspective on the future of digital infrastructure. Lessons You’ll Learn API integrations present a significant challenge for businesses due to their complexity, ongoing maintenance, and security risks. Traditionally, integrating software required custom-built connections, which not only consumed engineering resources but also created long-term tech debt. Many companies mistakenly assume that once an integration is deployed, it requires minimal upkeep, but in reality, APIs frequently change, leading to unexpected failures and compatibility issues. Poorly managed integrations can expose businesses to security vulnerabilities, such as unmonitored API keys and data leaks, creating risks that many organizations fail to anticipate. However, the rise of unified APIs is transforming the landscape, allowing businesses to connect multiple applications with a single, standardized API, eliminating redundancy and reducing maintenance burdens. For startups, balancing speed and scalability is crucial—moving too fast can lead to messy code and short-term fixes, while over-engineering can slow growth. Shensi Ding, co-founder of Merge, shares her insights on hiring top talent and maintaining high standards in leadership, emphasizing that a strong team is key to sustainable success. As businesses become increasingly interconnected, AI, automation, and data security will play a pivotal role in shaping the future of software, requiring companies to stay agile and proactive in their integration strategies. About Our Guest Shensi Ding is the co-founder of Merge, a fintech startup revolutionizing API integrations with its unified API solution. With a background in computer science and finance,Shensi Ding has built a company that simplifies software connectivity for businesses of all sizes. Her entrepreneurial journey is one of innovation, perseverance, and tackling the "unsexy" problems in tech that often go unnoticed. Before founding Merge, she worked in investment banking, an experience that shaped her approach to problem-solving and leadership. Passionate about tech infrastructure, hiring the right people, and building scalable solutions, Shensi Ding offers valuable insights for startups navigating complex technical challenges. Through Merge, she’s helping businesses integrate seamlessly without the pain of building custom solutions in-house. Topics Covered The evolution of software integrations has been marked by increasing complexity, as businesses rely on a growing number of tools that must seamlessly communicate. Despite advancements, integrations remain a technical headache due to inconsistent APIs, fragile connections, and ongoing maintenance challenges. For startups, navigating API connectivity requires a strategic approach—focusing on scalable solutions rather than quick fixes. Many companies fall into the trap of building custom integrations for each new software, leading to inefficiencies and long-term maintenance burdens. This is where unified APIs offer a game-changing alternative, allowing businesses to connect multiple applications through a single integration, simplifying development and reducing overhead. However, scaling a tech company also means hiring the right team—finding top engineering talent is difficult, and lowering hiring standards can compromise product quality. Poorly managed integrations introduce security risks, such as unmonitored API keys and unauthorized data flows, making security a growing concern. Looking ahead, AI, automation, and data security will redefine software infrastructure, enabling smarter, more adaptive integrations. Interestingly, some of the best business opportunities lie in “unsexy” industries, where solving overlooked yet critical problems—like integration infrastructure—can lead to massive success, as demonstrated by companies like Merge.…
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PayPod: The Payments and Fintech Podcast
1 Transforming Urban Mobility with Ubirider’s Paulo Ferreira dos Santos 31:21
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Play Later Play Later Lists Like LikedEpisode Topic Public transportation is evolving, but accessibility, payments, and integration remain significant challenges. In this episode, we dive into how Paulo Ferreira dos Santos, co-founder of Ubiride, is revolutionizing urban mobility by simplifying transportation payments and streamlining multi-modal travel. From buses to trains, bikes, and taxis, Paulo and his team are making seamless commuting a reality through innovative technology. By leveraging contactless payments, digital solutions, and data-driven infrastructure, Ubiride aims to remove barriers that make public transport frustrating. We explore how fragmented mobility systems, outdated technology, and bureaucratic inefficiencies slow down progress—and how Paulo’s approach is changing the game. Lessons You’ll Learn What if transportation payments were as simple as tapping a smartphone? Paulo shares insights into the challenges of urban mobility, why traditional systems fail, and how technology-driven payment solutions can make commuting faster, cheaper, and more efficient. Learn how public transit agencies can adopt digital transformation to better serve riders, why mobility as a service (MaaS) is the future, and how real-time data and interoperability can create smarter, more efficient urban transport networks. If you’ve ever been frustrated by transit inefficiencies, ticketing complexity, or lack of seamless travel options, this episode will give you practical insights into how mobility is evolving worldwide. About Our Guest Paulo Ferreira dos Santos is a serial entrepreneur and the co-founder of Ubiride, a company dedicated to transforming urban mobility through smart transportation solutions. Inspired by the inefficiencies of public transit, Paulo set out to create a seamless mobility experience that integrates various modes of transport while making payments effortless. With deep expertise in digital payments, transportation infrastructure, and fintech solutions, Paulo has partnered with companies like Mastercard and Viva Wallet to scale Ubiride across multiple countries. His mission is clear: make transit as accessible and efficient as possible while bridging the gap between transport providers and commuters. Topics Covered Public transportation is often fragmented, making it difficult for commuters to navigate different modes of travel seamlessly. In this episode, we explore how Ubiride is transforming urban mobility by integrating multi-modal transportation—from buses and trains to bikes, taxis, and ride-sharing services—into a single, user-friendly platform. A major focus is on the challenges of transit payments, where outdated systems still rely on closed-loop cards, vending machines, and manual ticketing. Paulo discusses how contactless payments, real-time data, and digital solutions are making commuting more convenient and efficient. The conversation also highlights the role of fintech in mobility, how smart city initiatives are reshaping urban landscapes, and why reducing reliance on private cars is key to improving congestion and sustainability. By leveraging advanced payment technologies and strategic partnerships with companies like Mastercard and Viva Wallet, Ubirider is leading the charge toward a more connected, accessible, and eco-friendly future in transportation.…
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PayPod: The Payments and Fintech Podcast
1 Revolutionizing Customer Loyalty and Gift Cards with SwipeIt's Larry Rubin 25:19
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Play Later Play Later Lists Like LikedEpisode Topic In this episode of PayPod, Kevin Rosenquist sits down with Larry Rubin, founder of SwipeIt, to explore the evolving landscape of gift and loyalty card programs in today’s tech-driven marketplace. They discuss how gift cards have transformed from physical plastic cards to instant e-gift cards, integrated into digital wallets like Apple Wallet. Larry explains how SwipeIt is modernizing customer retention strategies by offering tailored gift and loyalty card solutions for both physical and digital platforms. They indulge into the challenges faced by small businesses in implementing loyalty programs and how technology can bridge the gap between large corporations and local merchants. Lessons You’ll LearnListeners will gain valuable insights into how gift and loyalty cards can drive customer engagement and boost revenue. Larry emphasizes the importance of offering both physical and digital gift card options, catering to different customer preferences and increasing gift card usage. He also shares strategies on how small businesses can compete with large corporations by using customized loyalty programs and leveraging data to enhance customer experiences. You’ll learn how offering bonus incentives (like spending $100 and getting a $25 bonus card) can attract more customers during the holidays. Additionally, Larry shares how gift cards can serve as powerful marketing tools—whether for employee rewards, corporate partnerships, or referral programs. The episode also addresses the challenges of loyalty app saturation and how to strike a balance between digital convenience and physical card appeal. About Our GuestLarry Rubin is the founder of SwipeIt, a company dedicated to enhancing customer engagement through innovative gift and loyalty card solutions. With over 25 years of experience in the industry, Larry has helped thousands of businesses modernize their customer retention strategies by offering customized, tech-forward solutions. His company specializes in working with small to mid-sized businesses, helping them compete with larger corporations by simplifying and optimizing gift card and loyalty programs. Larry’s passion for customer loyalty and retention has led him to become a trusted expert in the payments and fintech space. From integrating gift cards into digital wallets to offering support for traditional physical cards, Larry has seen the industry evolve and has adapted his strategies to meet the changing demands of consumers and businesses alike. His company, SwipeIt, focuses on making loyalty programs accessible, efficient, and profitable for businesses of all sizes. Topics CoveredThis episode covers the evolution of gift and loyalty card programs, from physical paper certificates to digital gift cards integrated into mobile wallets. Larry and Kevin discuss the importance of offering both physical and digital options to meet varying customer preferences and how bonus incentives can drive sales during peak seasons. They explore how small businesses can leverage loyalty programs to compete with larger corporations, the role of personalization in loyalty marketing, and the challenges of loyalty app fatigue among consumers. Larry also shares creative strategies for using gift cards as marketing tools, including employee rewards, referral programs, and corporate partnerships. The episode touches on the future of loyalty programs in a rapidly evolving payments landscape, highlighting the potential integration of cryptocurrency and digital wallets into gift card ecosystems. Whether you’re a small business owner, marketer, or fintech enthusiast, this episode offers actionable insights into the future of customer engagement through gift and loyalty programs.…
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PayPod: The Payments and Fintech Podcast
1 Simplifying Web3 Accounting with Tres Finance's Tal Zackon 33:03
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Play Later Play Later Lists Like LikedEpisode Topic In this episode of Pay Pod , host Kevin Rosenquist sits down with Tal Zackon , CEO of TRES Finance , to explore the evolving landscape of Web3 finance. As blockchain technology reshapes the financial sector, traditional tools struggle to keep up with the complexities of decentralized transactions. TRES Finance is tackling this challenge by providing innovative solutions for financial data management, offering Web3 businesses the infrastructure they need to scale with confidence. Tal shares his journey from venture capital to entrepreneurship, shedding light on what drives him to create groundbreaking financial tools. From reconciling data across over 160 blockchain networks to improving accessibility and compliance in crypto finance, this discussion unpacks the future of Web3 financial operations and how businesses can navigate this evolving space. Whether you're an investor, entrepreneur, or crypto enthusiast, this episode provides key insights into the future of decentralized finance Lessons You’ll Learn This episode provides an inside look at the challenges and opportunities in Web3 finance, as Tal Zackon breaks down the importance of robust financial infrastructure in the crypto space. Listeners will gain insights into how TRES Finance is solving major pain points, such as reconciling fragmented data across multiple blockchain networks, improving regulatory compliance, and making financial operations more efficient for businesses dealing in digital assets. Tal also shares lessons from his entrepreneurial journey—how he overcame initial skepticism, navigated product-market fit challenges, and learned the importance of patience in scaling a startup. Additionally, he discusses the role of artificial intelligence in simplifying crypto compliance and financial analysis, demonstrating how AI-powered tools can streamline reporting, auditing, and portfolio management. By the end of the episode, listeners will have a clearer understanding of how businesses can adopt blockchain technology without the usual complexity and risk. About Our Guest Tal Zackon is the co-founder and CEO of TRES Finance, a company revolutionizing financial data management for Web3 businesses. With a background in venture capital, Tal was driven by the need to build something transformative, leading him to create a financial operating system tailored for blockchain-based companies. His journey began in the military before transitioning into the world of finance, where he quickly recognized the gaps in crypto financial infrastructure. Under his leadership, TRES Finance has developed an advanced data pipeline that simplifies financial operations for crypto businesses, allowing them to manage assets seamlessly across numerous blockchain networks. With a deep understanding of both investment strategy and financial technology, Tal is committed to making Web3 finance more accessible, transparent, and compliant for organizations around the world. His vision extends beyond crypto accounting—he aims to create a foundation that enables businesses to operate with confidence in an increasingly decentralized economy. Topics Covered This episode covers the evolution of Web3 finance and why traditional financial tools are failing to support blockchain-based businesses. Tal shares his journey from venture capital to launching TRES Finance, highlighting the challenges he faced in finding product-market fit and building a sustainable company. He dives deep into the difficulties of crypto accounting, data reconciliation, and compliance, explaining how Web3 businesses struggle with fragmented data across multiple blockchain networks. The conversation also explores the role of artificial intelligence in financial data management, showing how AI-powered tools can improve financial reporting, auditing, and risk assessment in the crypto space. Additionally, Tal discusses the trade-offs between decentralization and efficiency, emphasizing how businesses can leverage blockchain technology while maintaining operational effectiveness. He also sheds light on how fintech companies and exchanges can enhance transparency and build trust with their customers, particularly through innovative solutions like TRES Finance’s proof-of-funds product. Finally, the episode provides a glimpse into the future of crypto compliance, AI integration, and the transformative impact these advancements will have on financial operations in the Web3 ecosystem.…
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PayPod: The Payments and Fintech Podcast
1 Reimagining Bitcoin’s Future in DeFi with Persistence’s Jeroen Develter 27:09
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Play Later Play Later Lists Like LikedEpisode Topic In this episode, Jeroen Develter, CEO of Persistence, delves into the evolution of Bitcoin DeFi (BTCFi) and the challenges of blockchain interoperability. As Bitcoin moves beyond a store of value, Persistence is pioneering cross-chain swaps and decentralized finance solutions, allowing Bitcoin to integrate seamlessly into DeFi ecosystems. Jeroen explains how layer 2 solutions, interoperability innovations, and security improvements are making Bitcoin more scalable and usable for financial applications. He also discusses intent-based transactions, a game-changing approach that simplifies cross-chain operations and improves liquidity without traditional bridges. By eliminating security risks and inefficiencies, Persistence is revolutionizing how Bitcoin interacts with DeFi platforms. Lessons You’ll Learn This episode offers a deep dive into the future of Bitcoin in DeFi. Jeroen reveals why traditional bridging mechanisms are insecure, how intent-based transactions enhance user experience, and why cross-chain swaps are the future of blockchain interoperability. Listeners will gain insights into how layer 2 solutions are reshaping Bitcoin, what BTCFi means for the financial sector, and why trust and security remain the biggest obstacles in crypto adoption. Whether you’re an investor, developer, or blockchain enthusiast, this episode will equip you with essential knowledge on the next evolution of Bitcoin in DeFi. About Our Guest Jeroen Develter, CEO of Persistence, is a leading innovator in blockchain interoperability and Bitcoin DeFi. With a background in finance and technology, he has played a pivotal role in expanding Bitcoin’s functionality beyond a store of value, making it a powerful asset for decentralized finance applications. Jeroen’s work at Persistence focuses on bridging Bitcoin with DeFi ecosystems through secure, scalable, and trust-minimized solutions. His expertise in cross-chain swaps, intent-based transactions, and layer 2 scalability is shaping the future of Bitcoin interoperability. Under his leadership, Persistence is addressing the inefficiencies of traditional blockchain bridges, providing a safer and more efficient framework for Bitcoin transactions across multiple chains. Topics Covered This episode explores Bitcoin’s transformation into a key player in decentralized finance (DeFi) and how Persistence is driving innovation in blockchain interoperability. Jeroen Develter explains why traditional bridges pose security risks and how cross-chain swaps offer a safer, more efficient alternative for moving assets between different blockchains. He also introduces the concept of intent-based transactions, which simplify crypto transactions by allowing users to set their goals while the system automatically finds the best way to execute them. Additionally, Jeroen discusses how layer 2 solutions are solving Bitcoin’s scalability challenges, making transactions faster and cheaper without compromising security. He shares insights into the growing BTCFi ecosystem, explaining how Bitcoin can now be used as collateral, traded more efficiently, and integrated into broader DeFi applications. Finally, he touches on regulatory challenges in the crypto space, emphasizing the importance of balancing innovation with compliance to ensure long-term adoption. Whether you're a blockchain developer, investor, or crypto enthusiast, this conversation provides valuable knowledge on the future of Bitcoin in DeFi and what’s next for blockchain interoperability.…
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PayPod: The Payments and Fintech Podcast
1 Fixing America’s Credit Problem with Arro’s Ryan Duitch 29:07
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Play Later Play Later Lists Like LikedEpisode Topic In this episode, Ryan Duitch,Founder and CEO of Arro, discusses how his company is transforming the credit industry by making credit accessible, fair, and educational for consumers who are often overlooked by traditional financial institutions. Unlike conventional credit cards that rely heavily on FICO scores, Arro uses alternative data, cash flow analysis, and behavioral insights to approve customers and help them build a stronger financial foundation. By offering soft credit pulls, small initial credit limits, and a growth-based rewards system, Arro provides a low-risk and empowering path to improving credit scores. Arro also integrates financial literacy directly into its platform, offering users educational tools, goal-based incentives, and AI-powered financial coaching to guide them through responsible credit usage. With a mission to break the cycle of bad credit decisions, Arro's unique model is reshaping the way consumers approach credit, making financial empowerment accessible to all. Lessons You’ll Learn Listeners will gain actionable insights into how fintech is redefining credit accessibility and financial literacy. Ryan explains how soft credit pulls, cash flow underwriting, and behavior-based credit line increases can help individuals with low or no credit history build stronger financial profiles. Learn how Arro’s gamified financial education system encourages responsible spending and rewards users for making smart financial decisions. The conversation also highlights the flaws in the traditional credit system, such as how rent payments don’t count toward credit scores and why many consumers struggle with financial education. Ryan discusses the future of credit scoring and how Arro is working to change the industry narrative by creating an alternative credit model that measures financial health beyond just past borrowing behavior. About Our Guest Ryan Duitch is the CEO and founder of Arro, a fintech company dedicated to making credit more accessible and fair. With a background in financial services and consumer behavior, Ryan has spent years studying the challenges that people face when trying to build or repair their credit. His deep understanding of alternative credit models, financial literacy, and behavioral finance has positioned Arro as a trailblazer in inclusive lending solutions. Under his leadership, Arro has developed a first-of-its-kind system that eliminates the reliance on FICO scores, instead using cash flow analysis, educational incentives, and AI-driven financial coaching to help consumers gain access to credit. Ryan’s mission is to break down barriers in the financial industry by providing a smarter, fairer, and more transparent way for people to manage and grow their credit responsibly. Topics Covered This episode explores the challenges and opportunities in credit building, focusing on how Arro’s alternative credit system is helping consumers take control of their financial futures. Ryan explains the importance of financial literacy, highlighting how Arro’s platform integrates education and behavioral incentives to promote better credit habits. We also discuss how soft credit pulls, AI-powered financial coaching, and data-driven underwriting are reshaping the future of lending. Whether you're someone with no credit history, recovering from financial setbacks, or looking for smarter ways to build credit, this conversation provides practical takeaways on how fintech is driving financial empowerment in today’s digital world.…
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PayPod: The Payments and Fintech Podcast
1 Revolutionizing Data Storage and Efficiency with ScaleFlux's JB Baker 23:17
23:17 Play Later Play Later Lists Like Liked23:17
Play Later Play Later Lists Like LikedEpisode Topic Dive into the transformative world of data storage and fintech innovation with JB Baker, VP of Marketing and Product Management at ScaleFlux. In this episode, we explore how ScaleFlux is revolutionizing the data pipeline, optimizing everything from data creation to actionable business intelligence. With the explosion of data driven by AI-powered financial applications and real-time analytics, ScaleFlux is delivering cutting-edge solutions that are smarter, faster, and more sustainable. Learn how computational storage and advanced SSD technology are not only transforming IT infrastructure for financial institutions but also addressing critical challenges like power efficiency, scalability, and sustainability. We also explore the growing significance of NVMe SSDs and how they improve enterprise performance while reducing electronic waste. JB shares how ScaleFlux’s unique approach combines inline compression and data reduction to enhance real-time data processing. This episode highlights the critical role of sustainable innovation, offering solutions for businesses managing the ever-increasing demands of AI and big data. Lessons You’ll Learn Gain invaluable insights into navigating today’s data-driven business landscape. JB explains how computational storage supports AI workloads, enabling financial services to process data more efficiently while addressing power constraints and latency issues. Learn how strategies like write reduction technology improve data compression, scalability, and IT infrastructure efficiency. Discover why sustainability matters in tech, as JB discusses solutions to reduce electronic waste through more durable storage components. Understand how NVMe SSDs are redefining industry standards, helping organizations achieve more with fewer resources. From fraud detection to high-frequency trading, this episode reveals how smarter storage enables businesses to deliver faster, better results in a competitive environment. About Our Guest JB Baker is an industry leader in data storage, with over 15 years of experience driving innovation at companies like ScaleFlux. As the VP of Marketing and Product Management, JB’s expertise lies in bridging technical solutions with business goals to create impactful strategies. He holds a degree in psychology from Harvard University and an MBA specializing in marketing and operations. At ScaleFlux, JB leads efforts to reshape the data storage landscape, focusing on computational storage, power efficiency, and sustainability. His deep understanding of NVMe SSD technology and inline compression has positioned ScaleFlux as a pioneer in addressing the unique challenges of data-intensive applications. JB’s leadership and vision continue to drive ScaleFlux’s mission to deliver scalable, high-performance storage solutions tailored to the evolving demands of AI and big data. Topics Covered This episode unpacks the critical role of computational storage in supporting data-heavy applications like AI and financial services. JB explains how ScaleFlux’s solutions optimize the data pipeline to deliver faster processing, better scalability, and improved efficiency. Learn why NVMe SSDs are essential for modern IT infrastructure and how they outperform traditional storage technologies like SATA and SAS. We also dive into sustainability, exploring ScaleFlux’s innovative approach to reducing electronic waste by extending the lifespan of storage components. JB highlights the importance of real-time data analysis in applications like fraud detection, high-frequency trading, and AI workloads. Discover how ScaleFlux empowers organizations to handle exponential data growth while meeting the demands of today’s dynamic business environment.…
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PayPod: The Payments and Fintech Podcast
1 How Blockchain and Stable coins Are Global Transactions from Mesh’s Adam Israel 23:20
23:20 Play Later Play Later Lists Like Liked23:20
Play Later Play Later Lists Like LikedEpisode Topic In this episode of Paypod, we dive into the transformative potential of cryptocurrency and blockchain technology with Adam Israel, co-founder and COO of Mesh. Mesh is a groundbreaking platform that simplifies and secures crypto transactions by connecting over 300 exchanges and wallets seamlessly. Adam shares his journey from a 30-year career in traditional finance, working at institutions like JP Morgan Chase and HSBC, to becoming a passionate advocate for decentralized finance. The discussion explores the global impact of stablecoins, the regulatory hurdles facing the crypto industry, and how Mesh's innovative API technology is reducing friction in crypto ecosystems, making blockchain adoption more accessible than ever. Lessons You’ll Learn This conversation reveals the immense opportunities blockchain and stablecoins offer in revolutionizing the global financial system. Adam highlights how crypto simplifies cross-border transactions, eliminates dependence on traditional intermediaries, and enhances financial inclusivity. You'll gain insight into the challenges of public trust and regulatory ambiguity, and how compliance-driven solutions like Mesh are paving the way for mainstream adoption. The episode underscores the importance of embedding regulatory requirements into crypto platforms to reduce risks, improve trust, and encourage greater acceptance of decentralized finance. About Our Guest Adam Israel brings an impressive blend of experience and vision to the conversation. With over three decades in traditional finance and roles at globally recognized institutions like JP Morgan Chase and HSBC, Adam has developed a deep understanding of the financial world. As co-founder and COO of Mesh, Adam applies his expertise to bridge the gap between traditional and decentralized finance. His work focuses on creating infrastructure solutions that address the challenges of trust, safety, and compliance in the crypto space. Adam’s dedication to leveraging blockchain technology reflects his belief in its potential to empower individuals worldwide and revolutionize global financial systems. Topics Covered The episode explores the pivotal role of stablecoins in reshaping financial systems and enabling seamless cross-border transactions. Adam discusses the barriers to crypto adoption, including regulatory ambiguity and public misconceptions, and how platforms like Mesh are addressing these challenges through innovative, compliance-first solutions. The conversation also highlights the broader applications of blockchain technology, such as simplifying asset transfers and improving transparency in title verifications. Finally, Adam explains how Mesh’s API platform is setting new standards for crypto connectivity, reducing transaction friction, and fostering trust within the evolving financial landscape…
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PayPod: The Payments and Fintech Podcast
1 Building a Web3 Entertainment Platform with Playbux's Sarun Vichayabhai 35:38
35:38 Play Later Play Later Lists Like Liked35:38
Play Later Play Later Lists Like LikedEpisode Topic: In this episode, Sarun Vichayabhai, CEO of Playbux, takes us into the evolving world of the metaverse, blockchain, and Web3 technologies. Sarun shares his expertise on how Playbux seamlessly integrates gaming, e-commerce, and decentralized finance, offering users a revolutionary digital experience. From challenges in metaverse adoption to groundbreaking advancements in NFTs, Sarun explains how his platform is bridging the gap between Web2 and Web3, ensuring accessibility and fun for all users. He also discusses the critical role of AI in shaping personalized user experiences and overcoming technical hurdles in the blockchain space. If you’ve ever wondered about the future of virtual economies or the real potential of the metaverse, this episode offers key insights. Lessons You’ll Learn: This episode unpacks essential lessons about the challenges and opportunities in the metaverse space. You’ll discover how Playbux uses AI to predict user needs, reduce onboarding complexities, and enhance engagement in blockchain ecosystems. Sarun Vichayabhai also delves into NFTs' transformation from mere collectibles to powerful tools for utility and membership programs. Learn how integrating real-world ideas into digital platforms can drive innovation and attract users. By understanding the strategic blend of technology and user-centric design, you’ll gain valuable insights into what it takes to thrive in Web3 and blockchain projects. About Our Guest: Sarun Vichayabhai is the visionary CEO of Playbux, a leading platform merging gaming, e-commerce, and blockchain into a seamless Web3 experience. With years of experience in the fintech and blockchain industries, Sarun has been instrumental in driving innovation in virtual economies and decentralized finance. His groundbreaking work with Playbux includes simplifying blockchain onboarding, enhancing user engagement, and creating new standards for NFTs with practical utility. Sarun’s passion for the metaverse, coupled with his commitment to building accessible technologies, makes him a trailblazer in the space. Topics Covered: This episode covers a range of topics, including why the metaverse hasn’t yet reached its potential and what’s next for its evolution. Sarun discusses how Playbux gamifies the user journey to simplify blockchain onboarding and reduce drop-off rates. He explains how NFTs are transitioning into tools for utility and membership, creating real-world value. The conversation also explores the role of AI in crafting personalized user experiences and the future of blending physical and digital products within virtual marketplaces. Finally, Sarun shares insights into managing large digital communities and offers predictions for the next wave of innovations in blockchain and metaverse technology.…
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PayPod: The Payments and Fintech Podcast
1 Building a Web3 Entertainment Platform with Playbux's Sarun Vichayabhai 29:55
29:55 Play Later Play Later Lists Like Liked29:55
Play Later Play Later Lists Like LikedEpisode Topic: In this episode, Sarun Vichayabhai, CEO of Playbux, takes us into the evolving world of the metaverse, blockchain, and Web3 technologies. Sarun shares his expertise on how Playbux seamlessly integrates gaming, e-commerce, and decentralized finance, offering users a revolutionary digital experience. From challenges in metaverse adoption to groundbreaking advancements in NFTs, Sarun explains how his platform is bridging the gap between Web2 and Web3, ensuring accessibility and fun for all users. He also discusses the critical role of AI in shaping personalized user experiences and overcoming technical hurdles in the blockchain space. If you’ve ever wondered about the future of virtual economies or the real potential of the metaverse, this episode offers key insights. Lessons You’ll Learn: This episode unpacks essential lessons about the challenges and opportunities in the metaverse space. You’ll discover how Playbux uses AI to predict user needs, reduce onboarding complexities, and enhance engagement in blockchain ecosystems. Sarun Vichayabhai also delves into NFTs' transformation from mere collectibles to powerful tools for utility and membership programs. Learn how integrating real-world ideas into digital platforms can drive innovation and attract users. By understanding the strategic blend of technology and user-centric design, you’ll gain valuable insights into what it takes to thrive in Web3 and blockchain projects. About Our Guest: Sarun Vichayabhai is the visionary CEO of Playbux, a leading platform merging gaming, e-commerce, and blockchain into a seamless Web3 experience. With years of experience in the fintech and blockchain industries, Sarun has been instrumental in driving innovation in virtual economies and decentralized finance. His groundbreaking work with Playbux includes simplifying blockchain onboarding, enhancing user engagement, and creating new standards for NFTs with practical utility. Sarun’s passion for the metaverse, coupled with his commitment to building accessible technologies, makes him a trailblazer in the space. Topics Covered: This episode covers a range of topics, including why the metaverse hasn’t yet reached its potential and what’s next for its evolution. Sarun discusses how Playbux gamifies the user journey to simplify blockchain onboarding and reduce drop-off rates. He explains how NFTs are transitioning into tools for utility and membership, creating real-world value. The conversation also explores the role of AI in crafting personalized user experiences and the future of blending physical and digital products within virtual marketplaces. Finally, Sarun shares insights into managing large digital communities and offers predictions for the next wave of innovations in blockchain and metaverse technology.…
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PayPod: The Payments and Fintech Podcast
1 Automation, AI, and Leadership with Pairsoft's Matt Cotter 26:35
26:35 Play Later Play Later Lists Like Liked26:35
Play Later Play Later Lists Like LikedEpisode Topic In this episode of the Pay Pod, Matt Cotter, CEO of PairSoft, discusses the transformative impact of automation and AI on business processes. He delves into how his company is using automation to streamline procurement and accounts payable workflows, eliminating mundane tasks and boosting efficiency. Matt also shares his thoughts on the broader implications of automation and AI, particularly the fears and uncertainties businesses face when integrating these technologies into their operations. He emphasizes how the role of employees will change, with automation freeing them up to focus on more strategic and impactful work, rather than being bogged down by repetitive tasks. Lessons You’ll Learn Listeners will gain valuable insights into the role of AI in reshaping business workflows. Matt explains how automation can alleviate repetitive tasks, freeing up employees to focus on higher-value work that directly contributes to business growth and innovation. He offers practical advice on overcoming fears associated with automation, discussing how these technologies have the potential to enhance efficiency and create new opportunities. Additionally, Matt addresses how the workforce’s role is evolving, explaining that the work people do will change, but automation will not necessarily eliminate jobs—rather, it will shift the focus to more strategic and analytical tasks. About Our Guest Matt Cotter is the CEO of PairSoft, a company specializing in AI-driven automation for procurement, accounts payable, and document management. With a background in leading technology-driven transformations, Matt has been at the forefront of integrating AI to improve business operations. His leadership is driven by a passion for helping businesses achieve operational efficiency and enhancing employee productivity. Matt believes that the future of work is about leveraging technology to empower people, and he strives to create a culture where innovation and empathy intersect to drive positive change within organizations. Topics Covered In this conversation, Matt covers a wide range of topics related to the future of automation in business, focusing specifically on procurement and accounts payable processes. He addresses the common fears and misconceptions surrounding AI, highlighting how businesses can overcome resistance and embrace second-order change. Matt also discusses the role of AI in enhancing operational efficiency, reducing human error, and enabling employees to take on more meaningful, strategic roles. Furthermore, he explores leadership in a rapidly evolving technological landscape and how companies can use AI to not only improve business operations but also create a positive impact on employees and customers…
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PayPod: The Payments and Fintech Podcast
1 Cybersecurity in the Age of AI with SEQURETEK's Anand Naik 27:17
27:17 Play Later Play Later Lists Like Liked27:17
Play Later Play Later Lists Like LikedEpisodeTopic In this episode, we delve into the world of cybersecurity with Anand Naik, founder of SEQURETEK. Anand shares his extensive experience working with major companies like IBM, Sun Microsystems, and Symantec, and how he transitioned into founding Sequretek in 2013 to provide cutting-edge solutions to protect businesses from evolving cyber threats. His company’s focus on using AI and machine learning to combat security risks in real-time is transforming the way cybersecurity is approached. From large enterprises to smaller organizations, the need for robust protection against cyberattacks has never been more critical. Lessons You’ll Learn Listeners will gain valuable insights into the cybersecurity landscape, particularly how new technologies like AI, machine learning, and cloud-based solutions are redefining threat detection and mitigation. Anand explains the importance of simplifying security, offering businesses the flexibility to maintain visibility over their operations without overhauling existing systems. You'll also learn about the growing risks from IoT devices and quantum computing, and how companies can stay ahead by adopting advanced security solutions like Sequretek's percept XDR and percept IGA. About Our Guest Anand Naik is the founder and CEO of Sequretek Tech, a company dedicated to providing innovative cybersecurity solutions powered by AI and machine learning. With over two decades of experience working with global giants like IBM, Symantec, and Sun Microsystems, Anand brings a wealth of knowledge in cybersecurity. His company focuses on making security simple, providing businesses with seamless integration of advanced protection while reducing the complexity of managing multiple security systems. Anand’s work is helping to shape the future of enterprise security, ensuring organizations stay protected in a rapidly evolving digital landscape. Topics Covered In this episode, Anand shares his journey from corporate giant to startup entrepreneur, offering insights into the technological shifts he witnessed and how they shaped his approach to cybersecurity. He discusses Sequretek’s unique approach to providing real-time, AI-driven threat detection and security management. Anand also talks about the importance of flexible, modular systems that integrate with existing infrastructures and the future of cybersecurity, touching on emerging threats such as IoT breaches and quantum computing. Additionally, he explains how Sequretek is helping businesses navigate these challenges with minimal disruption and maximum protection.…
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PayPod: The Payments and Fintech Podcast
1 How Rufei Qian is Changing Cross-Border Payments with Fintech and Digital Wallets 26:48
26:48 Play Later Play Later Lists Like Liked26:48
Play Later Play Later Lists Like LikedEpisode Topic In this insightful episode, Kevin Rosenquist welcomes Rufei Qian , CEO of NihaoPay , a company revolutionizing cross-border payments by bridging the gap between global merchants and Chinese consumers. They explore critical topics like regulatory challenges in entering the Chinese market, adapting to cultural differences, and the evolving trends in consumer behavior. Rufei shares how Chinese consumers have shifted towards local brands and the widespread adoption of digital wallets, contrasting it with Western reliance on credit cards. The discussion highlights the transformative impact of technology on global transactions and the unique opportunities in cross-border commerce. Lessons You’ll Learn Discover actionable strategies for navigating the complexities of China's regulatory landscape while delivering a seamless user experience. Rufei delves into how merchants can adapt to the distinct consumer habits in China, such as the mobile-first approach and preference for digital wallets like Alipay and WeChat Pay. Learn how innovation, a global-local strategy, and talent development drive success in the fintech space. Gain insights into the potential of blockchain in payments and how AI can complement, rather than disrupt, established industries. About Our Guest Rufei Qian is the visionary CEO of NihaoPay, a leader in cross-border payments that connects global merchants with Chinese consumers. With over a decade of expertise in fintech, Rufei has spearheaded innovative solutions that simplify transactions, ensuring regulatory compliance and cultural adaptability. Her leadership has driven NihaoPay's groundbreaking initiatives, including a new card issuing platform tailored for seamless global shopping. Rufei is a passionate advocate for using technology to enhance financial ecosystems and foster meaningful connections between diverse markets. Topics Covered This episode dives into how global merchants can navigate China's regulatory landscape, highlighting key challenges and strategies for compliance. Rufei sheds light on evolving consumer trends, including the rise of digital wallets and the shift toward local brands in Chinese markets. She also explores the transformative role of technological innovations, such as AI and blockchain, in shaping the future of payments. Additionally, Rufei discusses NihaoPay’s latest initiative, a card issuing platform designed to simplify cross-border transactions for global consumers. The conversation concludes with insights into cultural and operational shifts, emphasizing the importance of innovation, localization, and talent development in driving growth…
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