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On the latest episode of The MoneyPot Live at Money20/20 Asia, host Rachel Morrissey sits down with Hans Patuwo, Chief Operating Officer of GoTo Group, the largest digital ecosystem in Indonesia. Discover how GoTo's integrated ecosystem approach drives growth in one of the world's most dynamic digital economies.

Hans reveals the fascinating journey of GoTo Financial, and how the company leverages proprietary ecosystem data to provide financial services to Indonesia's 97 million unbanked citizens. Learn about GoTo's innovative approach to customer acquisition, monetization, and retention in a diverse market spanning 17,000 islands with unique subcultures.

Key topics include:

The evolution of GoTo Group from mobility services to a broader ecosystem that includes fintech solutions
How COVID-19 accelerated digital payments and reshaped business priorities
Strategies for serving unbanked populations with limited credit access
Data-driven approaches to sustainable lending in emerging markets
The challenges of designing financial products for diverse user segments

Whether you're interested in fintech innovation, emerging markets, or platform economics, this episode offers valuable insights into how data and local expertise are transforming financial inclusion in Southeast Asia.

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The CFPB is at a crossroads. With leadership changes and a shifting political climate, what’s next for consumer protection? We break down the agency’s bold moves on open banking, BNPL, and EWA—and what the future holds as new leadership takes the reins. Tune in for a look at the future of financial rulemaking and the impact on consumers.

Hosts:

Rachel Morrissey, Head of Content, Money20/20 US

Ian P. Moloney, SVP, Head of Policy and Regulatory Affairs, American Fintech Council

Guest: Ashwin Vasan, Partner, FS Vector

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The collapse of Synapse shook the fintech world. A year later, have banks, fintechs, and regulators done enough to prevent another disaster? In this episode, we explore the crucial steps to ensure stability—shared responsibility, smarter due diligence, and evolving regulations. Tune in to learn how the industry can avoid repeating history and build a safer, more resilient financial ecosystem.

Host:

Rachel Morrissey, Money20/20 US

Phil Goldfeder, CEO, American Fintech Council

Guest: Peter Hazlehurst, CEO, Synctera

Investors for Synctera include: Lightspeed, Fin Capital, Diagram, SciFi, NA Ventures

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Open Banking has become one of the most significant regulatory challenges of the last decade, with global implications for both financial services and consumers. As financial institutions and consumers navigate the evolving landscape of data sharing, the U.S. has recently introduced new regulations that may reshape the future of financial innovation. In this episode, we explore the launch of the Consumer Financial Protection Bureau's Final Rule for Open Banking, its mixed reception, and the lawsuits that followed its finalization.

Hosts: Rachel Morrissey, Money20/20 US

Phil Goldfeder, CEO, American Fintech Council

Guest: Alexandra Barrage, Partner, Troutman Pepper Locke

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The disapproval of the OCC’s True Lender Rule in 2021 sparked a seismic shift in the fintech lending space, leaving a cloud of uncertainty over the regulatory landscape. As states roll out new true lender definitions and federal guidance remains elusive, the future of bank-fintech partnerships hangs in the balance. In this episode, we dive deep into the disruptive changes reshaping the industry, explore the potential impact of the new administration’s regulatory agenda, and debate what it will take to balance innovation with consumer protection. Tune in for a forward-looking discussion on what’s next for fintech lending in a rapidly evolving regulatory environment.

Hosts: Rachel Morrissey, Money20/20 US

Ian P. Moloney, SVP, Head of Policy and Regulatory Affairs

Guest: Martha O’Malley, Assistant General Counsel, Prosper

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Dive into the intricacies of artificial intelligence in the small business lending space in this thought-provoking episode. At the bustling Money 2020 conference in Las Vegas, we engage with Omri Yacubovich, CEO of Llama AI, as we address the pressing concerns surrounding traditional lending processes and how AI could reshape the future. With small businesses representing over 55% of the American economy, access to tailored lending solutions becomes a crucial topic of discussion.

As we explore the tension between AI-driven personalization and the potential for privacy invasion, personal anecdotes highlight the real-world implications of data misuse in the financial sector. We unpack the challenges faced by community banks as they strive to maintain personal relationships with clients while also adopting advanced technology. This episode illuminates how AI offers a more proactive approach to lending, allowing banks to anticipate the needs of small businesses while fostering trust and transparency.

Join us to listen to expert insights on how the future of finance can strike a balance between efficiency and empathy, and what this means for lenders and borrowers alike. Don't miss this opportunity to engage with transformative ideas about the intersection of technology and personalized service. Subscribe, share, and leave a review to join the conversation!

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In this episode, we speak with Ray Chalub, Chief Operations Officer of Inter & Co, to take you on a journey from the bustling streets of Brazil to the financial corridors of the United States, as we explore how they are pioneering a new financial paradigm.

Discover how this innovative fintech is transforming its business model to bridge the gap between emerging market scalability and the complex demands of the U.S. market. Our speakers share their insights on how remittances are unlocking the potential of Inter&Co’s financial super app, paving the way for a multi-vertical ecosystem that caters to diverse consumer needs.

We delve into the strategic moves that have positioned Inter&Co as a trailblazer in the global fintech landscape, offering a glimpse into the future of financial services. Whether you're curious about the dynamics of cross-border financial operations or the evolution of super apps, this episode is packed with valuable takeaways for anyone interested in the future of money.

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How do financial institutions combat the ever-evolving threat of identity fraud? In this episode, Naureen Ali, the US Head of Fraud at TransUnion, sheds light on this critical issue, underscoring that while 69% of institutions express concern, all are indeed affected. We analyze the rapid advancements in technology that have accelerated the speed, scale, and sophistication of fraud. Why might some organizations not voice their concerns? Noreen suggests it could be robust mitigation strategies or perhaps a concerning lack of awareness. The discussion navigates the complexities of fraud management in today’s digital age and the necessity of proactive strategies.

We also spotlight the human side of fraud, exploring schemes like romance scams that prey on vulnerabilities. Financial institutions play a pivotal role in protecting their customers, and we dive into the concept of "responsible friction." This involves implementing layered defenses, much like the Swiss cheese model, where each layer helps shield against potential threats. From step-up verification to direct interventions, these proactive measures are essential. Listen in as we stress the importance of consumer education and the vital responsibility of financial institutions in preventing victimization, ensuring a safer financial future for all.

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Identity fraud is evolving at lightning speed, driven by advancements in AI technology. Join us as Dana Porter from Au10tix shares groundbreaking insights from their Global Identity Fraud Report, revealing a dramatic rise in cyber threats and highlighting the alarming use of AI-powered bots in social media. Guided by Ian Horne and Scarlett Sieber, we uncover the nuances between 'slow burn' and 'sudden burst' fraud attacks and how AI is turbocharging these threats. Delving into the rise of deepfakes, we explore the complex challenges this technology poses for identity verification, making it easier for criminals to manipulate identities in real-time and outpace traditional security measures.

The conversation doesn’t stop there. We tackle the vital role of regulation and enforcement in fighting back against these persistent threats, especially in the crypto and payments sectors. Dana sheds light on the transformative effect of the 2023 MiCA regulation in Europe, which has succeeded in curtailing fraud in crypto markets by imposing stricter customer onboarding practices. We also explore Interpol's global operations that disrupt organized crime, alongside innovative solutions like decentralized identity and verifiable credentials. For both consumers and businesses, practical strategies to increase security are shared, emphasizing the importance of constant vigilance and multi-layered defense systems rather than relying solely on regulatory frameworks. Tune in for invaluable insights into securing your digital identity in a rapidly changing landscape.

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Could a mere shift in how you manage finances redefine the success of your small business? Join us on an insightful journey as Cheryl Chen and Ian Horne, explore this possibility with Juliana Berger, the Director of Product Management at Intuit QuickBooks. Live from the energetic Money 2020 USA in Las Vegas, we examine the pressing issue of cash flow challenges that plague small businesses and the innovative solutions being developed in the fintech arena to alleviate these burdens. Juliana shares her wealth of knowledge on how harnessing the power of brands like QuickBooks, Credit Karma, and TurboTax can transform small business financial management from a constant headache into an empowering experience.

Discover how Intuit and QuickBooks are addressing the stress and fear associated with cash flow management by harnessing the power of AI and automation. Through engaging stories and personal anecdotes, including my own ventures into soy candles and football businesses, we illustrate the profound impact of automation on reducing administrative burdens and boosting business efficiency. Listen to discussions about innovative QuickBooks features like automatic reconciliation and cash flow planning that are helping businesses not just survive but thrive by significantly lowering failure rates.

We dive into the realm of big data and AI, exploring how QuickBooks is pushing the boundaries of traditional finance services with solutions like a $50,000 line of credit that requires no additional documentation. Juliana sheds light on how AI is reshaping productivity and competitiveness, serving as a trusted advisor for businesses in this rapidly evolving landscape. As we wrap up, we envision a future where accounting software not only enhances efficiency but seamlessly integrates with everyday business activities, offering unprecedented convenience and personalization. Tune in to uncover how these cutting-edge innovations are setting the stage for the future of small business accounting.

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What if you could streamline your financial transactions and cut costs at the same time? Join us as we uncover the transformative power of embedded finance and open banking, broadcasting live from Money 2020 USA in Las Vegas. With the expert insights of Tom Bianco from Fifth Third Bank's Newline and Eric Faust from Trustly, we explore how the seamless integration of payment capabilities into various platforms is reshaping the way we conduct our financial lives. Tom and Eric share the story behind their collaboration, detailing how they are pioneering innovative account-to-account payment solutions that enhance everyday transactions for businesses and consumers alike.

In our conversation, we delve into the dynamic between traditional banking and fintech agility, offering a strategic perspective on how NewLine is harnessing both worlds. We highlight how the partnership with Trustly is pushing the boundaries of what's possible in payment capabilities, while also addressing the challenges of adapting to the regulatory landscapes of different global markets. With strategic innovation at the forefront, we discuss how institutions are navigating these changes to ensure both scalability and stability in an evolving environment, emphasizing the importance of understanding core business and regulatory requirements when working with large companies.

Finally, we look to the future, examining the implications of rising consumer expectations and the growth of embedded payments. By exploring the potential of open banking as a cost-effective alternative to traditional transactions, we reveal how it enables merchants to reinvest savings into customer engagement. The conversation also touches on the challenges of re-authentication and tokenization, underscoring the necessity of education in this competitive space. With bold insights from Tom and Eric, we encourage creativity and innovation in elevating embedded financial solutions, leaving our listeners with actionable ideas to enhance their fintech offerings.

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What if banks could cater to your entire family's needs with the same precision and care they offer individual clients? This episode of The MoneyPot promises to reveal just that as we bring you an enlightening conversation with Eyal Gilad from Amdocs. Discover how Amdocs, originally rooted in telecommunications, has made a groundbreaking leap into financial services, with a new focus on family banking. Eyal shares the secrets behind their success, including leveraging their cutting-edge charging capabilities to revolutionize customer segmentation and create personalized banking experiences for multi-generational households. You'll learn how these innovative strategies are not only breaking traditional banking barriers but also significantly enhancing customer loyalty.

In this packed episode, we also broaden our horizon to explore the latest trends and challenges in the banking industry. We'll delve into financial literacy initiatives and certification processes that different banks are implementing across the globe, from Canada and Europe to the Philippines. Our guest, Eyal, sheds light on exciting projects and the cultural and regulatory hurdles they face. Plus, get an insider's view on how Amdocs is investing in no-code and low-code solutions to empower business departments to swiftly launch new products, bypassing the heavy reliance on IT. We wrap up by discussing the integration of legacy technology with modern solutions to boost efficiency and drive innovation in the banking sector. This is a must-listen episode for anyone interested in the future of family banking and beyond!

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In this episode, we dive into the alarming rise of digital identity fraud, which cost the UK finance industry over £1.2 billion in 2022 alone. Our guest, Laura Barrowcliff, Global Head of GBG Trust at GBG, a leading expert in digital identity, shares her insights on how cross-sector collaboration and shared consumer intelligence can transform customer due diligence and help financial organizations fight back against fraudsters.

Laura dispels the misconception that data sharing erodes competitive edge or breaches privacy regulations, explaining the difference between sharing data and sharing intelligence. She discusses GBG Trust Network, a unique data network that combines over 100 million data attributes contributed by a consortium of over 550 businesses across 25 sectors and 80 countries, while ensuring complete data privacy.

Discover how GBG Trust Network's global intelligence footprint and local expertise enable businesses to securely leverage powerful cross-sector consumer insights to detect fraud, onboard more good customers, and pre-empt crime before it happens. Laura also shares her perspective on getting ahead of regulation and influencing policy through action, setting the pace and creating a framework that works for the industry.

Whether you're in the finance industry or any other sector grappling with identity fraud, this episode offers invaluable insights on the power of cross-sector collaboration and shared intelligence in combating this pervasive threat.

The MoneyPot is our podcast from Money20/20. Ian Horne & Rachel Morrissey Co-host

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Discover the remarkable story of survival and growth in the ever-evolving world of fintech. In this compelling episode of The Money Pot, we sit down with Philippe Morel, the CEO of Railsr, who shares his firsthand experience of steering the company through turbulent waters. You'll learn how the fintech powerhouse bounced back from the brink of collapse, navigating regulatory pressures and funding challenges, to secure new investment and maintain market confidence. Gain insights into the critical decisions and strategic moves that ensured their survival and set the stage for future expansion.

Join hosts Ian Horne and Mickey Tesfaye live from Money 2020 in Amsterdam as they unpack the pivotal moments in Railsr's turnaround. Philippe opens up about the importance of transparent communication within the team and the indispensable role of robust technology in earning and retaining customer trust. With an insider's perspective, the discussion highlights the burgeoning field of B2B embedded finance, providing a behind-the-scenes look at how Railsr managed to maintain strong client relationships despite facing significant internal and external pressures.

As we explore the future landscape of fintech, Philippe sheds light on the transformative potential of embedded finance and the revolution it heralds for financial services. He shares strategies for managing cash burn, leveraging customer feedback, and maintaining a balance between bold aspirations and practical financial management. This episode is packed with valuable lessons for fintech professionals and business leaders alike, emphasizing the crucial role of transparency and the power of a resilient, customer-focused approach in navigating the industry's challenges. Tune in for an inspiring conversation that underscores the strength of strategic rebuilding and the importance of staying attuned to market needs.

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What if your digital identity could be as secure and under your control as your physical ID? Join us on The MoneyPot as we explore the cutting-edge world of reusable digital IDs with our esteemed guest, Aravind Narayan from the London Stock Exchange. We'll transport you back to the early days of the internet, tracing the evolution of digital identity verification from the wild west of passwords to the more sophisticated federated identities supported by tech giants like Google and Facebook. Aravind introduces the game-changing idea of reusable digital IDs, where user-controlled wallets that leverage selective disclosure and decentralization could revolutionize security and privacy. We also delve into the fascinating concept of verifiable credentials, which use blockchain technology to compile your digital claims—such as educational and employment history—into a secure, easily manageable identity.

But that's not all! We tackle the regional complexities of digital identity systems, comparing centralized models like India's Aadhaar with the privacy-centric approaches seen in Europe. Our conversation explores the cultural and governmental barriers to digital ID adoption in the UK, shedding light on the evolving role of governments and the implications these technologies might have on personal privacy and state power. Wrapping up on a lighter note, we discuss the whimsical idea of household robots taking over mundane chores, such as doing the dishes, and reflecting on the unsettling nature of certain TV shows. Don't forget to stay connected with us on your preferred podcast platforms, LinkedIn, and the Money 2020 website for more insightful discussions and updates.

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Whistleblowers and scandals. What really went on behind the scenes at Wirecard? This episode of The Money Pot, live from the Money 2020 conference in Amsterdam, features an exclusive interview with Pav Gill, the whistleblower who exposed the Wirecard fraud, and journalist Jason Mikula. Listen as we uncover the early warning signs that Pav Gill noticed, including suspicious financial practices and shady backgrounds of key personnel. The conversation takes on a surreal tone, with comparisons to infamous cases like Enron, and even elements straight out of a spy novel. Jason Mikula sheds light on the banking-as-a-service industry and the spectrum of ethical behavior within rapidly growing sectors.

We tackle the intricate dynamics of governance, fraud, and risk-taking within fintech startups. The line between aggressive business tactics and intentional fraud is often blurred, and we explore how the drive for innovation and profitability can lead to ethical compromises. We examine how venture capitalists influence board governance, the pressures on pre-profit companies to meet their KPIs, and the impact of national pride on oversight failures. The Wirecard scandal serves as a poignant example of how these factors can lead to significant fraud cases, creating a cautionary tale for the industry.

Regulatory gaps in the fintech industry present another set of challenges, particularly for companies operating outside traditional banking regulations. This environment fosters innovation but often lacks the necessary supervision to ensure consumer trust and protection. We discuss how different regulatory frameworks in Europe, such as e-money institution licenses, offer alternative oversight models. Potential solutions like creating a self-regulatory organization, similar to FINRA, are also considered. This episode offers valuable insights into the ongoing developments in fintech and highlights the importance of robust governance and regulation. Join us for this compelling discussion with Jason and Pav Gill, and stay tuned for more updates on the evolving fintech landscape.

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Unlock the secrets behind transformative investments in this episode recorded live from Money2020 Asia 2024 in Bangkok! Join our hosts, Scarlett Sieber and Sheryl Chen, as we chat with Dennis Pratistha, the Chief Investment Officer at Mandiri Capital Indonesia (MCI), who takes us through MCI's captivating journey from its founding in 2015 to becoming a powerhouse in digital transformation and venture capital. Discover how MCI has innovatively merged corporate venture capital with independent venture capital, underpinned by strategic pillars like business matchmaking, business acceleration, and extensive networking. Dennis sheds light on how MCI's unique structure has fueled remarkable growth and value creation in the financial services sector.

Get ready to be inspired by MCI's approach to investing in founders who demonstrate competence, integrity, and perseverance. Dennis offers invaluable advice on the perfect timing for startups to seek investment, ideally after achieving product-market fit and revenue generation. Learn about the robust support system MCI offers through strategic introductions and business matchmaking, bolstered by their six-week business acceleration program. Additionally, dive into MCI's initiatives in the climate tech ecosystem, leveraging insights from Australia's advanced experience to drive sustainable development. This episode is a treasure trove of real-world case studies and success stories that highlight MCI's commitment to innovation and environmental sustainability.

Hosts: Scarlett Sieber, Chief Strategy & Growth Officer, Money20/20
Sheryl Chen, Head of Content, Money2020 Asia

Guest: Dennis Pratistha, Chief Investment Officer, Mandiri Capital of Indonesia

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Join me for an enlightening sit-down with Alberto Guerra, the mastermind at the helm of UniTeller, as we peel back the layers of the remittance economy. You'll be treated to a panoramic view of how these financial lifelines are not just money transfers but the very threads that weave through the fabric of families' lives across the globe. We traverse from the highlands of Nepal to the bustling cities of the Philippines, uncovering the profound impact of remittances on local economies and cultural landscapes. Whether it's financing education in Bangladesh or healthcare in Mexico, these funds are pivotal in bettering the lives of millions, making this discussion a must-listen for anyone interested in the true power of money across borders.

Fasten your seatbelts as we zoom into the future of money transfers, where technology is redefining the art of the possible in cross-border remittances. Guerra and I dissect the buzz around real-time payment solutions and the persistent allure of P2P apps in an era when sending money is as easy as a tap on your smartphone. Diving into the world of super apps, we critique their success (or lack thereof) in different global markets and debate their potential to revolutionize financial services. This episode promises not just a glimpse into the innovative business models reshaping the industry, but also spotlights the trailblazers who have adapted and thrived in this fast-paced domain.

LIVE from The MoneyPot Booth in Money20/20 Asia

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Unlock the future of financial transactions as we sit down with Manoj Dugar from HSBC at the pulsing heart of Money 2020 in Bangkok. This episode promises a deep dive into the seismic shifts occurring within real estate payments as we navigate Singapore's bold moves to establish itself as a trailblazer in smart city development. You'll discover how the scrapping of corporate checks is just the beginning and the crucial role blockchain technology is playing in reshaping how we think about security and efficiency in property transactions.

With the construction industry perched on the cusp of a digital revolution, we examine HSBC's strategic pivot in response to Singapore's evolving market demands, under the watchful eye of the Monetary Authority of Singapore. The conversation meanders through HSBC's innovative journey from trade finance to real estate ventures, highlighting the Enbridge project's success in merging cross-border payment platforms and regulatory collaboration. Learn how HSBC's past blockchain escapades are charting a new course for future fintech solutions and what this could mean for your next property investment.

Finally, we broaden our lens to reveal how the advent of QR codes and bilateral payment corridors is revolutionizing digital transactions across Asia. Delving beyond real estate, we explore the potential for these innovations to transform sectors like healthcare and insurance, where transparency and secure digital identity verification are paramount. Tune in for an insightful forecast on how banks might harness blockchain for global data and identity portability, and how this could redefine the financial landscape. Remember to leave us a stellar review on iTunes and stay tuned for more enthralling discussions at the Money Pot.

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Embark on a financial odyssey with Sachin Sharma from audax, uncovering the game-changing realm of Banking as a Service (BaaS). Grasping the keys to this kingdom isn't just for the tech-savvy; it's for anyone who's ever made a digital purchase or pondered the future of banking. From audax's inception in the competitive incubator of Standard Chartered Ventures, Sachin breaks down how BaaS is weaving into the fabric of our daily online activities. Imagine leveraging branded credit card perks without leaving your favorite game—yes, it's that integrated. Sachin's storytelling demystifies the complexity and draws a clear line from the revolution of mobile banking to the bright horizon where banking meets us exactly where we are.

This episode is more than a peek behind the curtain; it's a strategic masterclass in the evolution of banking product capability. We traverse the landscape of emerging technology with examples such as the synergy between e-wallets and banking services, harmonizing with established process like KYC without causing a system overhaul. The conversation sheds light on the importance of cloud-agnostic approaches in a sector where tradition meets innovation at a crossroads. And as we wrap up with a heartfelt nod to the Money Pot community, we're not just saying goodbye—we're stoking the fires of curiosity and inviting you to add your voice to the chorus calling for financial enlightenment. So, if you're ready to understand where the future of your money is heading, this is an episode you can't afford to miss.

LIVE from The MoneyPot Booth at Money20/20 Asia

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Step into the dynamic world of Asian fintech, where diversity reigns and innovation is the currency of progress. Guided by the insights of Zenon Kapron from Kapronasia, we unravel the tapestry of financial development that stretches from the bustling business hubs of Singapore to the fast-growing economies of Thailand and the Philippines. As we dissect the transformative effects of digitization, you'll discover how the pandemic has unexpectedly turbocharged certain technologies and how this surge is reshaping the fintech landscape, offering newfound opportunities for financial inclusion and infrastructural evolution.

Prepare to have your mind opened to the complex relationship between government policies, the vital lifelines of SMEs, and the financial ecosystems that support them. With a keen eye, we observe the strategic maneuvers of traditional banking giants like DBS, as they rise to the challenge of fintech insurgents and retain dominance in arenas such as cross-border transactions. Yet, amidst the celebrations of innovation and adaptability, we confront the stark realities faced by these institutions in their quest to serve SMEs, and question the role of burgeoning digital banks in an already saturated market. Join us for a visionary exploration of Asia's fintech frontiers, where the present meets the future.

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Is your firm AI-ready? Tune in to The MoneyPot hosts pick the brain of the fintech legal sage, Charles Kerrigan, and explore the legal labyrinth of AI in finance. We leave no stone unturned on how AI's potential can be harnessed within the boundaries of law, and why understanding the fine print of AI regulations is not just important, but crucial for innovation and compliance.

This episode is a masterclass in navigating the AI terrain, as we not only dissect the nuances of fraud prevention and data management but also share insights on the evolving responsibilities of professionals when AI tools don't quite hit the mark. With Charles's expertise, we shed light on the intersection of AI capabilities with the pressing need for human oversight, and how financial services firms can future-proof their operations by integrating AI safely and strategically.

This is also part of The MoneyPot series leading up to Money20/20 in Amsterdam where Charles will be helping us guide us through this next evolution.

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Discover the truth behind banking's innovation revolution with the formidable Leda Glyptis, a banking consultant and author who sheds light on the metamorphosis occurring within the industry's venerable institutions. In a revealing conversation, Leda recounts her serendipitous foray into the banking world amid the chaos of 2008's financial upheaval and the burgeoning fintech movement. We unearth the human stories that drive transformation in this sector, wading through the myths to spotlight the individual efforts that fuel systemic change. Leda's insights cut through the industry's stereotype as a bastion of risk aversion, illustrating instead a landscape ripe with strategic partnerships and innovation, all while keeping an eye on the personal stakes involved in effecting change.

Tackling the challenges of enacting internal change, especially for those just starting their careers, this episode is a trove of strategy and experience. Leda reflects on the complexities that knowledge alone cannot dismantle, acknowledging the more intricate barriers that await eager innovators. We traverse the frontiers of fintech, where untapped markets brim with potential, and discuss the delicate tango between established banks, neobanks, and tech giants. As we wrap up, Leda teases her forthcoming book and we delve into the entrepreneurial spirit coursing through banking's veins. We close on a vital note, discussing the critical importance of mental health for entrepreneurs—an often overlooked but essential facet of long-term success in the tempest of innovation. Join us for a conversation that's as insightful as it is essential for understanding the future of finance.

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Get ready to unlock the secrets of the digital sovereign currency revolution with a deep dive into Central Bank Digital Currencies (CBDCs) alongside Alisa DiCaprio, Chief Economist at R3. We promise an episode brimming with insights as we traverse the nuanced world of CBDCs. Alisa, equipped with expertise from the blockchain powerhouse R3, helps us dissect the diverse implementations and consumer impacts of CBDCs while humorously navigating the ethical labyrinth of programmable money. This isn't just about transactions; it's about the future of financial freedom and control.

Prepare to have your perspective on CBDCs shifted as we explore their metamorphosis from mere payment instruments to complete payment systems. The hurdles in wholesale CBDC implementation, the delicate dance with existing financial infrastructures, and the intricate battle for consumer trust all come under our microscope. We wade through the legitimate concerns of government overreach and discuss the pivotal role of public education in adopting this transformative technology. It's an eye-opener into how digital currencies could reshape global transactions, fostering trust where it matters most.

Finally, we cast a spotlight on the ripple effects that CBDCs may unleash upon fintech and banking sectors, balancing innovation with the essential preservation of traditional banking models. As we jest about the currency forms of tomorrow, we reveal how CBDCs can empower unbanked populations and fuel fintech evolution, all without spelling doom for existing financial institutions. Join us for a candid exploration of this financial frontier and extend the dialogue at Money 2020 in Amsterdam - where the conversation on CBDCs continues to simmer with potential and promise.

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Embrace the chill of the 'funding winter' as The MoneyPot discusses how startups are navigating the investment landscape with the seasoned guidance of Kimberly Ofori, Partner & Director, Dutch New Narrative Lab. We are setting the stage for Money20/20 in Amsterdam as we dissect how the frosty financial climate fuels a meticulous approach to due diligence and the rise of fintech resilience. Ofori, a maestro of sustainable business models, shares how bootstrapping has become synonymous with success, offering keen insights into prudent investment strategies that weather economic storms and attract savvy investors looking for true value.

Venture with us through the transformative era of European fintech, celebrating trailblazers, like Klarna and Revolut who thrived in the wake of regulatory reform. We scrutinize the shift from investor-founder dynamics to a landscape where solving real-world problems trumps technological bells and whistles. In an ecosystem that beckons for authenticity, we stress the pivotal role of transparency in investor communication and the profound impact genuine AI integration can have on a startup's competitive edge. Join our conversation for an in-depth look at how fintech is evolving and what it truly takes for startups to capture an investor's interest beyond the buzz.

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This is episode 2 of Artificially Intelligent with Sam Maule and Maia Bittner, a new podcast from Money20/20. We are again putting them on our feed because of the immediacy of this story and the importance of payments and competition in our national infrastructure.

Sam Maule and Maia Bittner have invited Boe Hartman, the CTO and co-Founder of Nomi, to pull up a chair again at our virtual table to share insights on the repercussions rippling through the healthcare payment systems, laying bare the stark financial and personal implications for providers and patients alike.

As we navigate the turbulent waters of a $4 trillion industry caught in the throes of a major claims processing shutdown, we uncover the unseen winners of this crisis and confront the startling differences in regulation when comparing healthcare to the banking sector. The conversation pivots scrutinizes the antitrust landscape and its potential effects on healthcare competition and innovation. Tune in for a thought-provoking exploration into the intertwined worlds of healthcare policy, economics, and the cutting-edge efforts by companies like Nomi to forge a more direct and efficient marketplace for us all.

Boe Hartman article: Why Healthcare Needs a Crash Course from Banking Now!

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Discover the intricate labyrinth of medical payments and the heightened need for secure data as we sit with Boe Hartman of Nomi Health, whose expertise in banking and payments sheds light on the seismic effects of the United Healthcare cyber hack.

Boe takes us through the trenches of an industry rattled by outdated systems, revealing how his work at Nomi Health is championing the development of real-time payment rails, poised to overhaul the costly and sluggish process of reimbursing healthcare providers. As we unravel the current state of U.S. healthcare payments, it becomes clear that the shakeup may just be the catalyst for a much-needed revolution in how we settle medical bills.

The shockwaves of the recent Change Healthcare ransomware attack, attributed to state sponsored black hat hackers, ripple throughout our conversation, exposing a stark vulnerability in our national infrastructure. The breach's staggering scope, with six terabytes of sensitive data at stake and daily medical transactions grinding to a halt, paints a dire picture. The ramifications extend beyond the disruption of services, as providers are forced back to archaic paper claims and the financial stability of entire systems hangs in the balance. With the industry holding its breath for a potential Congressional lifeline, join us as we discuss the critical demand for resilience and competition in safeguarding the future of healthcare data and payments.

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Ever wondered what it takes to jump ship from the safety of corporate giants to the stormy seas of fintech entrepreneurship? Our latest episode brings you face-to-face with Caecilia Chu, YouTrip's co-founder and CEO, whose audacious switch from the world of Citi and McKinsey is nothing short of a high-stakes adventure. Her tale isn't just one of business acumen; it's a deeply personal narrative woven with threads of family legacy, cultural nuances, and a relentless pursuit of solving real-world problems. Caecilia opens up about the profound impact of her parents' entrepreneurial journey, the resilience it instilled in her, and the unique pressures that accompany a background ripe with 'tiger parenting.'

Strap in as we navigate the rollercoaster ride of Caecilia's first e-commerce venture, an experience that sharpened her resolve and her vision for the future of financial services. The conversation takes an intimate turn into the nitty-gritty of fintech innovation, revealing the allure of untangling the complex web of multi-currency transactions in Southeast Asia. From the importance of facing formidable challenges head-on to the excitement of pioneering accessible financial solutions, this episode is a treasure trove for anyone fueled by curiosity and inspired by the transformative power of entrepreneurship. Join us as we celebrate the entrepreneurial spirit with Cecilia Chu, whose story is sure to electrify your own aspirations.

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Embark on a transformative journey with Lyn Kok as we navigate the thrilling waters of career change and the creation of something truly impactful. Lyn, the visionary behind Mula X, shares her profound experience transitioning from the president and CEO of a major bank to the innovative world of financial inclusion through fintech entrepreneurship. Her story is a beacon for anyone seeking to align their career with their core values, revealing the challenges and triumphs of constructing a mission-driven company from the ground up.

As we converse with Lyn, we uncover the threads that connect the corporate banking world to the agile startup ecosystem. Discover how skills like cultivating company culture and mastering regulatory mazes have new applications outside the boardroom, and which corporate practices might actually stifle startup vitality. Lyn takes us behind the scenes of Mula X, illuminating the intricate process of connecting those traditionally overlooked by the financial sector with vital services. Her insights provide a roadmap for leveraging corporate acumen in the fast-paced startup environment.

In this deeply personal account, Lyn's dedication to fairness, diversity, and inclusion not only defines her new venture but also serves as an inspiration for current and aspiring entrepreneurs. We explore the rejuvenating power of passion, the essential role of supportive networks, and the profound satisfaction of pursuing a career that transcends the mere pursuit of profit. As Lyn prepares to take the stage at Money2020 Asia in Bangkok, join us for a discussion that is both a masterclass in career pivots and a testament to the potential for meaningful change in the business world.

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When Hena Mehta decided to swap the dizzying heights of Wall Street for the bustling tech scene in Bangalore, she wasn't merely changing jobs—she was rewriting her life story. As founder of BASIS, the financial app changing the game for urban Indian women, she joins us to share the triumphs and trials of such an audacious career pivot. If you're teetering on the edge of a bold professional leap, this episode will not just inspire you—it will arm you with the wisdom of someone who's journeyed through the uncertainty and emerged with a venture that speaks to her heart.

This conversation goes beyond Hena's narrative; it's a masterclass in transforming passions into impactful enterprises. We navigate the complexities unique to women in finance, underlining the power of education and trust in shattering long-standing barriers. Whether you're a woman in the finance sector feeling underestimated or an entrepreneur at the crossroads of a career change, tuning in means unlocking insights into how aligning values with work can lead to groundbreaking innovation within the fintech landscape. Hannah's journey is more than a personal success—it's a beacon for any of us seeking to blend purpose with our professions.

If you want to hear more from Hena, Hena will be speaking at Money20/20 Asia in April at Bangkok, Thailand, along with 250 other speakers. We hope to see you there.

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Discover the keys to entrepreneurial empowerment and financial inclusivity with Zahir Khoja, CEO of Wave, as we unravel his visionary approach to transforming opportunities for SMEs. Wave's mission to support small and micro-businesses is not just about simplifying the technical side of things; it's about igniting the passions of entrepreneurs and bolstering economic growth in communities worldwide. This episode promises a stirring exploration of the driving forces behind today's business ventures and how the current economic landscape shapes these entrepreneurial dreams.

Ever wondered how a passion project turns into a profitable business in the digital age? Zahir sheds light on the dramatic shifts in the entrepreneurship mindset, where social media and tech tools have flung open the doors to new possibilities. We'll hear real stories, like that of a family-owned Ethiopian restaurant grappling with the leap into financial technology, probing the challenges and solutions to the generational tech divide. This episode is a must-listen for anyone curious about the evolving landscape of small business and its potential to change lives.

Finally, we navigate the intricacies of financial inclusion and how it is woven into the fabric of Wave's philosophy. Zahir's own journey from a kid in South Africa to CEO in Canada offers heartfelt insights into the transformative effect of accessible financial tools on growing businesses. The episode culminates with a candid reflection on the nuanced role of a successor CEO, balancing profitability with the well-being of customers, and drawing inspiration from influential figures. Join us for a dialogue brimming with passion, purpose, and the power to shape a more inclusive financial future.

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Ever wondered what the current landscape of VC dealmaking looks like? Brace yourself for an insightful journey with our expert guides, the Founders of Anthemis, Sean Park and Amy Nauiokas. They take us through the maze of economic uncertainty, rising interest rates, and the post-pandemic slowdown that have led to a dip in deals. We delve into the essence of principle-driven investing and how venture investing has evolved from a craft business into an asset class. You will learn about our steadfast approach at Anthemis, navigating through these uncertain times with a long-term perspective.

Facing the ebbs and flows of the market often feels lonely, especially for underrepresented founders. In this episode, we pull back the curtain on this reality and discuss how market contraction impacts these groups. Our guests share their experiences, shedding light on the unique challenges women and people of color face during these periods of market contraction. We also discuss our strategies at Anthemis to prevent these groups from bearing the brunt of market fluctuations and the importance of investing in founders who are committed to uplifting specific populations.

Lastly, we cast our eyes towards the horizon, specifically focusing on the year 2024. What does the crystal ball reveal for the financial industry? We discuss the potential influence of technology, innovation, and possible new regulations on the financial world. Our guests offer their insights on the shifting landscape of finance and how it may impact consumers and businesses. This is one conversation you won't want to miss as we explore what the future might hold for the financial world and how to best prepare for it.

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Are you prepared to navigate the thrilling maze of Africa's FinTech landscape? With our esteemed guest Benjamin Fernandez, CEO of Nala Money, we journey through the continent's dynamic financial terrain. We uncover the vast opportunities brought about by Africa's rapidly expanding population and the intricate tangle of diverse currencies and regulation. Get an insider's view into the bustling world of mobile money transactions and understand why it is often described as a sleeping giant.

The second half of our discussion shifts gears, focusing on the nuts and bolts of making and receiving payments in Africa. We throw light on how the scarcity of dollars and Africa's trade deficit sway the economy, and why solutions tailored to local needs are vital. Listen in as we share the solutions Nala has developed, including ensuring payment reliability and offering competitive exchange rates. Hear directly from Benjamin about the huge potential of the remittances industry and how technology plays a crucial role in battling fraud. So, buckle up for an enlightening conversation that peels back the layers of Africa's FinTech landscape.

Guest: Benjamin Fernandez, CEO, Nala Money

Hosts: Micky Tesfaye, Content Lead, Money20/20 EU
Ian Horne, Head of Content, Money20/20 EU

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Ever wondered why 80% of the cloud computing market in Latin America is B2B, yet most purchases are still paid manually? Well, we're about to blow the lid off that mystery. Join us for a riveting conversation with our esteemed guest Paula Bellizia, President of Global Payments at EBANX, as we unravel the opportunities and challenges within the B2B market segment. We delve into the untapped potential of SaaS and Cloud Mega Payments in Latin America. We discuss the necessity for local payment methods and the low card penetration in Africa, and how these factors play a significant role in shaping the future of financial transactions.

Switching gears, we bring the conversation to AI and how it's revolutionizing fraud prevention in the Latin American market. Paula shares intriguing insights on how EBANX leverages their proprietary anti-fraud engine to offer valuable recommendations to merchants. Imagine having an AI-powered weapon in your arsenal that learns from other markets and continuously enhances its services. We explore the cultural shift towards digital payments in emerging markets and the role of startups and digital native companies in this transformation. Tune in, as we spotlight Latin America - a region brimming with growth opportunities, with EBANX leading the way.

Guest: Paula Bellizia, President of Global Payments, EBANX

Host: Ian Horne, Head of Content, Money20/20 EU
Sanjib Kalita, Former Wizard, Money20/20

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Strap in for a riveting conversation with Randy Fernando, co-founder of Power, a company that has recently been acquired by Marqeta for a whopping $275 million! Randy, a trailblazer in the Fintech industry, has some compelling insights to share. His journey with Power is far from over, and we get an exclusive look into its inception, its growth, and what lies ahead post-acquisition. Not only that, Randy also talks about his experiences from the Money 2020 conference, an event that played a pivotal role in connecting him with investors and shaping his entrepreneurial journey.

We dive deeper into the nitty-gritty of startup acquisitions. If you're curious about what makes an acquisition successful, listen in as we dissect the importance of cultural fit, team dynamics, and trust. How does one keep the team motivated and involved after an acquisition? Randy shares his strategies, drawn from personal experiences and lessons learned. And lastly, we also touch upon the often overlooked responsibilities of being a founder, the challenges that come with it, and the importance of maturity in navigating the business landscape. This episode is a treasure trove of wisdom and inspiration - all from the entrepreneurial trenches. We guarantee you'll walk away with a fresh perspective on acquisitions and the fintech industry!

Guest, Randy Fernando, VP of Product, Marqeta

Hosts: Micky Tesfaye, Content Lead, EU
Sheryl Chen, Head of Content, Asia

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MONEY20/20 LIVE Series!!

Join us on a deep expedition into the intricate realm of banking in the modern era. We guarantee you'll gain valuable insights from our guest host, Ryan Falvey of Restive Ventures and distinguished panelists - former FDIC chairman Jelena McWilliams; Itai Damti, the CEO and founder of Unit; and seasoned banker Mary Dent. Together we'll pull back the curtain on the challenges the banking industry grapples with, pinpointing the unique circumstances that led to the failure of Silicon Valley Bank and the regulatory responses that followed.

Why are banks reluctant to serve consumer use cases? What barriers do mission-driven companies face when trying to scale? We dissect these pressing questions and more as we discuss the impact of regulatory trends on innovation and inclusion. We also shed light on how data is transforming relationships within the banking sphere and why nurturing relationships in immigrant communities is a critical piece of the puzzle.

Our insightful conversation wraps up by highlighting the potential for financial inclusion and innovation through bank and tech partnerships. As we navigate through the complex regulatory landscape, we address the potential implications of a restrictive approach on financial inclusion and innovation. Listen in as we contemplate the role of the private sector in promoting economic inclusion and creating more equitable outcomes. This episode is a compelling blend of thought-provoking discussions, expert insights, and a keen exploration of future possibilities. Let's embark on this transformative journey into the world of banking and financial technology together.

Guest Host: Ryan Falvey, Partner, Restive Ventures

Guests: Jelena McWilliams, former Chairman of the Federal Deposit Insurance Corporation
Mary Dent, Co-Founder at Klaros Group
Itai Damti, CEO of Unit

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Money20/20 LIVE Series!!

Ever wondered how a tech genius transitions from being an IBM employee to a successful serial entrepreneur? Prepare to be enthralled as we invite Sunil Madhu, the innovative mind behind Instant, into an insightful conversation about his entrepreneurial journey. Sunil doesn't shy away from sharing the highs, the lows, and the valuable lessons learned from his past ventures, and how he has skillfully applied these to his current endeavor. One key takeaway - the importance of HR and managing company culture right from the start to avoid growing pains.

As we peel back the layers on Instant's groundbreaking technology, Sunil reveals how it is revolutionizing identity verification, mitigating fraud loss, and introducing the concept of fraud risk insurance. We dive into the psyche behind password protection, the emergence of one-click authentication, and the hurdles hindering the complete adoption of this technology. Tune in as Sunil predicts a future sans passwords and multiple authentication layers, and shares how businesses are leveraging this technology to reduce cyber liability risk, eliminate friction, leading to customer satisfaction. Don't miss this fascinating exploration into a future where your digital identity becomes as easy as a single click.

Guest: Sunil Madhu, CEO, Instnt

Hosts: Sanjib Kalita, Wizard, Money20/20
Rachel Morrissey, Executive Producer of The MoneyPot, Money20/20

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LIVE AT MONEY20/20 SERIES:

Fasten your seatbelts and ready your minds for a thrilling ride into the booming world of open banking. We promise a journey of discovery, where we'll delve into the regulatory and market conditions that have catapulted this innovative industry into the stratosphere. Led by our guest host Don Cardinal of FDX, our fellow travellers in this exploration are none other than Kimberly Bella from Visa, Lisa Novier from EnvestNet, and Ryan Fairley from Navy Federal Credit Union. Together, they'll dissect the phenomenal growth of FDX, the open finance ecosystem that securely energizes the financial lives of 65 million users worldwide.

As we venture further, we'll touch on the surprising acceleration of open banking, and how smaller banks and fintechs are racing to embrace the integration. We'll discuss the paramount importance of offering users tangible value and maintaining transparency in programs while upholding consistent principles. We'll also peer into the future, considering the potential opportunities and challenges that lie ahead for open banking. We'll ponder the implications of the CFPB's 1033 proposed rule, the complexities of risk management when dealing with multiple data providers, and what it takes to build out robust API programs. Join us on this enlightening voyage, and discover how open banking is winning over smaller banks and creating a vibrant, competitive financial ecosystem.

Host: Don Cardinal, Managing Director, FDX

Guests: Kimberly Bella, Visa
Lisa Novier, Envestnet
Ryan Fairley, Navy Federal Credit Union

Producers:
Rachel Morrissey, Executive Producer, The MoneyPot

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AUTHOR SERIES!!!!In the true spirit of our RiseUp initiative, we have an interview with Winnie Wong, the author of You Don't Have to Look the Part: How East Asian Women Thrive as Entrepreners.
Women-led start-ups get only 2% of venture capital funding, even though women own 1 in 3 businesses globally. Of that percentage, East Asian women-led startups only receive a small sliver of that 2%. Despite this disparity, women-founded businesses return more than twice as much per dollar invested than those founded by men.

But this book is all about getting women who want to take the leap to feel like they can do it. Our hosts- Sheryl Chen and Mickey Tesfaye, talk to Winnie about what strategies can be employed by both female entrepreneurs and the industry itself to help change the landscape!

There is a gold mine of great investment opportunities hiding in plain sight. Let's shine the spotlight on East Asian women founders. Talking about diversity isn't enough, we must act on it by showing everyone that, in order to be successful, you don't have to look the part.

Host: Sheryl Chen, Head of Content, Money20/20 Asia
Micky Tesfaye, Content Lead, Money20/20 EU

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This is a special series from the EBANX Payments Summit, which focused heavily on Rising Market - aka- Latam, Africa, and India.

In this episode, we speak with Wiza Jalakasi, Director of Africa Market Development, EBANX

Ready to take a journey into the financial future of Africa? We've got an exciting exploration planned with our special guest, Wiza Jalekasi, Director of Africa Market Development, EBANX. We dive deep into the nuances of the African market, discussing the successes and challenges of eBank's expansion in countries like Kenya, South Africa, and Nigeria. Riza offers fascinating insights, drawing parallels between Africa and other developing markets like India and Latin America.

As we trek further, we investigate the rising phenomenon of mobile money. It's not just about finance; it's about the evolution of digital commerce and how it's reshaping economies in Latin America and Africa. We also discuss the financial inclusion being driven by mobile money and the role it plays in bridging the digital divide. If you've ever wondered about the complexities of cross-border regulations or the potential collaborations within the payment stack, this episode promises enlightening discussions. We'll also explore the unique offline capability of mobile money systems and the possibilities it opens for credit products.

Finally, we switch gears to discuss credit card alternatives booming in Africa. High interest rates and potential overspending have driven the rise of 'buy now, pay later' solutions and mobile money. We'll also take you through the financial innovation scene in Nigeria, where high-interest checking accounts and profitable credit solutions are changing the game. Fancy learning about the peculiar practice of paying rent a year in advance in some African countries? We've got that covered too. Our journey into Africa's financial landscape is a rollercoaster of insights and revelations – you don't want to miss it!

Host: Rachel Morrissey, Money20/20
Guest Host: Estelita Hass, EBANX

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This is a special series from the EBANX Payments Summit, which focused heavily on Rising Market - aka- Latam, Africa, and India.

In this episode, we speak with Costanza Lopez Vela, the Deputy Managing Director for Acquiring Business, Banorte.

Since its foundation, Banorte has successfully navigated all stages of the financial services industry's recent history. It is one of the so-called big banks most driven by data in Mexico, combining a robust operation and a tech-oriented mindset. This session will address how one of the largest banks in Latin America's second-largest economy has invested heavily in innovation, digital and the massive use of data to ride the latest wave of innovation in the banking and financial sector in Mexico.

**Constanza has over 25 years’ experience in financial industry and expertise in product and digital development, innovation, affluent proposition, sales and finance CD with responsibility for Mexico, USA, Latin America and Asian markets. She started her career at American Express and has worked for MBNA, Bank of America, Visa, Scotiabank, HSBC and Mastercard.

Host: Rachel Morrissey, Money20/20
Guest Host: Estelita Hass, EBANX**

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This is a special series from the EBANX Payments Summit, which focused heavily on Rising Market - aka- Latam, Africa, and India.

In this episode, we speak with Kesheni Moodley, Chief Commercial Officer, OZOW

Explore the world of e-commerce payments in South Africa, where a remarkable 85% of adults possess a financial account, setting a continental record. Despite the dominance of card payments (43% of transactions) and financial inclusion, 40% of adults do not own credit or debit cards, indicating a prominent road for alternative payment methods. The popularity of Instant EFT transactions and digital wallets offers a glimmer of hope in addressing this disparity.

Over 23 years' experience in the ICT sphere, Kesheni has local and international Client Relationship Development and Sales expertise spanning multiple industries including Media, Telecommunications, Consumer Goods, Automotive, and Airline, besides key exposure to the strategic, business development, outsourcing and operational functions of a business. Prior to Ozow, she has served Accenture and IBM South Africa.

Host: Rachel Morrissey, Money20/20
Guest Host: Estelita Hass, EBANX

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This is a special series from the EBANX Payments Summit, which focused heavily on Rising Market - aka- Latam, Africa, and India.

In this episode, we speak with Wagner Ruiz, Co-Founder and Board Member, EBANX

Delve into the transformation of credit and the incredible opportunities of the global south in this discussion with about the growth of ecommerce and the increase in financial inclusion that has resulted. EBANX centers its mission on increasing financial inclusion and lowering the barriers to payment across LATAM, Africa and into India.

Wagner Ruiz takes us through the historic growth, and predicts what we can expect in the next 10 years.

Host; Rachel Morrissey, Money20/20
Guest Host: Estelita Hass, EBANX

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This is a special series from the EBANX Payments Summit, which focused heavily on Rising Market - aka- Latam, Africa, and India.

In this episode, we speak with Carlos Eduardo Brandt, Head of PIX Management and Operation, Central Bank of Brazil

Pix Automático, the new launch of Brazil's Pix to enable recurring payments: how it will work, capabilities, launch timeline

How Pix Automático is expected to revolutionize the way millions of Brazilians make recurring payments, from electricity bills to streaming subscriptions

Pix Automático vs Cards: the impact of Pix Automático on the volume of recurring transactions made with debit and credit cards; implications for issuers and large banks

Pix Automático puts the instant payment method even closer to digital commerce – what opportunities does the Central Bank see for Pix in the XB digital market?

Carlos heads Pix Management and Operations at Brazil's Central Bank. Graduated in engineering and law, specializing in finance, he led Pix's implementation process in Brazil, and is currently leading and driving Pix's evolving agenda. Brandt coordinates Pix Forum, a permanent advisory committee, whose purpose is to support BCB in its role of establishing the Pix rulebook.

Host: Rachel Morrissey, Money20/20
Guest Host: Estelita Hass, EBANX

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Pranav Sood from Airwallex joins The MoneyPot LIVE at our booth in Amsterdam, to discuss the challenges and opportunities of programmatic money movement including the importance of financial infrastructure and how it can enable businesses of all sizes to scale across borders. Every entrepreneur will want to listen to this one!

Guest: Pranav Sood, Executive General Manager, EMEA, Airwallex

Hosts: Rachel Morrissey, Executive Producer, The MoneyPot
Medhy Souidi, host of WTFintech Podcast and Senior Editor, Money20/20 Asia

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With the launch of FedNow in July, the US has jumped into the mix of several different nations who have inspired incredible innovation with real time payments. However, the ubiquity and persistence of financial crimes and fraud rose, and RTP make these schemes harder to fight or prevent. We need to engage in practices, and arm ourselves with the tools, to fight this on grand scheme. Ravi Loganathan, the Head of Financial Institution Services at Sardine, and the President of SardineX joined us to discuss the way forward, to keep our money safe while it is moving faster than ever.

Guest: Ravi Loganathan, Head of Financial Institution Services at Sardine, and the President of SardineX

Hosts: Rachel Morrissey, Executive Producer, The MoneyPot, Money20/20

Micky Tesfaye, Content Lead and Financial Journalist, Money20/20

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What if we misunderstand the value of crypto and where its value is derived?

**When Bill Spence bought a power plant in western Pennsylvania, he wasn’t aiming to become a crypto-pioneer. His thoughts were more local, and more about reviving the communities that he had grown up in.

Western Pennsylvania is at the top of the Appalachian Basin coal region, and coal was mined there, and funneled there to make the steel that built the US, both financially and physically. When the basin had been tapped, mines started being closed, and in the wake they left refuse that poisoned the ground. The excess iron turns the water rusty, and the other toxins do much more damage to the health and well-being of a population that often feels forgotten. The Commonwealth of Pennsylvania started a program to help clean the refuse, subsidizing power plants that were created specifically to use this coal refuse to make power and to rehabilitate the land.**

Bill Spence was a power guy. He understood the energy industry, and he immediately found and made Scrubgrass a plant with that mission under the guidelines of the Pennsylvania program. But even with the subsidies, power plants need customers. And when the pandemic hit, power needs plummeted. Now, there was another mission to save the plant by getting a new customer.

This is part 2 of the story about how he “found” that customer, and what it could mean for bitcoin, energy stabilization, and the future of data centers. This is the story of founding STRONGHOLD Written and Produced by Rachel Morrissey, Head of Content, Money20/20 US and Roland Bodenham, Senior Video Producer, Flywheel

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What if we misunderstand the value of crypto and where its value is derived?

**This is part 1 of the story about how he “found” that customer, and what it could actually mean for bitcoin, energy stabilization, and the future of data centers.

Written and Produced by Rachel Morrissey, Head of Content, Money20/20 US and Roland Bodenham, Senior Video Producer, Flywheel**

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Embedded Finance seems fait accompli, but in reality, it is just getting started. As products come into the market, and with the current regulatory oversight, there needs to be great care in looking toward the safety and security of users and consumers. As they say, “an ounce of prevention is worth a pound of cure”. In much the same way, building compliance and risk management into your products and taking as much care and forethought as possible is the best way to do that. Our own, Ian Horne spoke with two seasoned veterans in the compliance space, Luis Trujillo from Aliviere and Sara K. Weed from Gibson, Dunn & Crutcher, about best practices, risk realities, and what they hope to see for fintech innovators.

Guests:

Luis Trujillo - Chief Compliance and Risk Officer, Alviere

Sara K. Weed - Fintech Partner, Gibson, Dunn & Crutcher LLP

Host: Ian Horne, Head of Content, Money20/20 EU

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In Indonesia, 40 percent of the population is unbanked, but Yada Piyajomkwan, Co-founder and CPO of Ajaib saw a future where learning to invest could actually be the on ramp to financial inclusion and building wealth, allowing people to achieve financial literacy while growing their own portfolios. We got to speak to her about why she started Ajaib, why she saw investment as a crucial point of spear, and what she is hoping for in the coming year as we head into Money20/20 Asia 2024.

Guest: Yada Piyajomkwan, Co-Founder and Chief Product Officer of Ajaib

Hosts: Nick Holland, Global Head of Insights, Money20/20

Mehdy Souidi, Senior Editor, Money20/20 Asia

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Co-hosted with Convera. Avowed crypto skeptic and Convera CEO Patrick Gauthier sits down with crypto evangelist Teana Baker-Taylor, VP of Policy and Regulatory Strategy at Circle to discuss the fragmented global regulatory landscape for crypto assets, the new SEC lawsuits against Binance and Coinbase, regulation by enforcement, blockchain for real-time payments as a disruptive technology, creating a stable regulatory framework for digital assets, the payment ecosystem we don't yet know about that we're going to need, AR/VR, internet-enabled payments, the metaverse, the accelerating timeframe of adoption for new technologies, technology innovation vs. process innovation, and good friction vs. bad friction in the user experience.

Guests: Patrick Gauthier, CEO, Convera
Teana Baker-Taylor, VP of Policy and Regulatory Strategy, Circle

Hosts: Alex Lawrence, Brand Marketing, Convera
Micky Tesfaye, Content Lead, Money20/20EU

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Ruth Wandhofer has a vision for “ReDecentralization” of the internet. In that vision, the “metaverse” or “web3” is the opportunity to embrace change and explore how it can help humans. She sat down with us to talk about why she is passionate about this new challenge for financial services, and how hopeful it can be.

Guest: Dr Ruth Wandhofer, global 50 fintech influencer, and chair of the PSR panel at the Payment Systems Regulator

Hosts: Ian Horne, Head of Content, Money20/20EU

Rachel Morrissey, Executive Producer, The MoneyPot

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Embedded finance is providing tons of opportunities to reimagine payments. When it all becomes digital, the nature of payments has to be more mindful, and the decisions around processes are growing more deliberate. So, we talked with Maria Prados, the Head of Vertical Growth at Worldpay, who designs payments for different industries, taking into account the variables of what kinds of friction, what kinds of processes, and how payments can add to sustainable growth.

Guest: Maria Prados, Head of Vertical Growth at Worldpay,

Hosts: Ian Horne, Head of Content for Money20/20 Europe

Rachel Morrissey, Executive Producer, The MoneyPot

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ChatGPT and Bard have reinvigorated the imaginations of entrepreneurs and investors, creating a bright spot among everything going on. We are once again on the bank of a great shift in expectations for and from financial institutions. Everyone must be thinking about appropriate use cases, and what kind of transparency is needed. We spoke to Maarten Stolk, CEO and founder of Deeploy about what we should all be investing in and being part of the vital feedback loops that AI will learn from.

Guest: Maarten Stolk, CEO and founder of Deeploy

Hosts: Gina Clarke, Content Director, Money20/20EU

Rachel Morrissey, Executive Producer, The MoneyPot

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Can empowering employees to know more of their worth actually be a benefit to their employer? Aydan Al-Saad, Head of the UK, Ireland and Nordics at Ravio and TikTok sensation believes that pay transparency and employee empowerment will benefit their organizations as much as the individuals. He sat down with Gina Clarke, our Director of Content in the EU, to discuss pay transparency, why content will be the ‘new cv’ and the importance of empowering employees to have side hustles.

Guest: Aydan Al-Saad Head of the UK, Ireland and Nordics at Ravio

Host: Gina Clarke, Director of Content, Money20/20 EU

Rachel Morrissey, Executive Producer, The MoneyPot, Money20/20

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**Why is embedded investing the next step to wealth inclusion with Mary Agbesanwa

Financial Inclusion means so much more than access to a money account. Building wealth requires access to many financial tools that are not understood broadly, but are vital to creating health and wealth. This has created a gender wealth gap that Mary Agbeswa, Fintech Growth Lead at Seccl is on a mission to end utilizing new wealthtech, embedded investing and financial literacy.**

Guest: Mary Agbeswa, Fintech Growth Lead at Seccl

Host: Ian Horne, Head of Content, Money20/20 EU

Rachel Morrissey, Executive Producer, The MoneyPot at Money20/20

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Every once in a while, someone uses truly clever solutions to leapfrog forward and show us how technology can truly solve real problems. That’s what Carmen Vicelich did with Valocity. Carmen, a self-described data nerd, realized that a platform that brought together all the players in real estate, shortening the valuation process, and allowing for a more complete picture of neighborhoods, was long overdue. As she set out to build it, she created a data company - Data Insight- providing both public and private entities with valuable new insights. And she has just launched a third company, using similar tools, to help identify carbon footprints. She takes us through the challenge, and where she hopes her solutions will go.

Guest: Carmen Vicelich, Founder and Global CEO, Valocity

Hosts: Nick Holland, Global Head of Insights, Money20/20

Rachel Morrissey, Executive Producer, The MoneyPot

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Utilizing payments as a tool to aim towards a more inclusive system requires more than just an extended tech stack. There is a lot of work to be done to make payments as inclusive as possible, and that challenge has increased as our world has gone more digital and there are barriers to acquiring proper payment products. But Joanne Dewar, former CEO of Global Payments Solutions where she remains as a board member, is just getting started. She is on a mission, and she shared it with us.

Guest: Joanne Dewar, former CEO of Global Payments Solutions where she remains as a board member

Hosts: Ian Horne, Head of Content, Money20/20 EU

Rachel Morrissey, Executive Producer, Podcast at Money20/20

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Simon Taylor is one of the most forward thinkers and trusted movers in fintech, and last year when sanctions around SWIFT were announced, he wrote an incredibly clear and compelling explanation in his Fintech Brainfood Substack. One line stood out: “I think as Fintech Nerds, we have a real opportunity to build a better SWIFT and a better dollar global order.”

Since that was written, several events have taken place that puts the dollar as the global currency more in question than ever before- including deals to buy oil with the Chinese Yuan, and movements in digital currencies. So, we need to ask “What do we do about de-dollarization?”

Guest: Simon Taylor, Head of Content and Strategy, Sardine and Author of Fintech Brainfood SubStack

Hosts: Rachel Morrissey, Executive Producer, The MoneyPot Podcast
Micky Tesfaye, Content Lead, Money20/20EU

Producer: Rachel Morrissey, Executive Producer, The MoneyPot Podcast

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The ESG space is busy, busy, busy. Sustainability is becoming a key indicator for our industry. And one of its busiest proponents is Gerrit Sindermann, the Deputy Executive Director at the Green Digital Finance Alliance, a Swiss-based non-profit promoting the next generation of green digital finance.

We spoke with Gerrit about how to get serious around the issues of environmental, social governance, and the climate agenda within fintech and digital innovation and what three big takeaways he wants to leave with the audience in the upcoming Money20/20 EU show in Amsterdam.

Guest: Gerrit Sindermann, Deputy Executive Director, Green Digital Finance Alliance

Hosts: Gina Clarke, Content Director, Money20/20 EU
Rachel Morrissey, Executive Producer, The MoneyPot Podcast

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In December 2021, 10 nations and several international institutions participated in a simulation "war game" on the global financial networks.

It was organized and led by the Israeli Ministry of Finance, to anticipate the need for smarter international cooperation to protect systems. The goal was to prepare for the possibility of wide-spread simultaneous hacks, understand what were the key weaknesses, and find measures that could be implemented across international lines.

We spoke with Rahav Shalom-Revivo, Head of Financial-Cyber Innovation and International Engagements, about the preparation and nature of the simulation, and the key findings that can keep our world safer. In her words "Collaboration is key in order to be able to make sure that the good guys actually win in the end."

Guest: Rahav Shalom-Revivo, Head of Financial-Cyber Innovation and International Engagements, Israeli Ministry of Finance

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20

Rachel Morrissey, Executive Producer of the MoneyPot, Money20/20

Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential
Rachel Morrissey, Executive Producer of the MoneyPot, Money20/20

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With ChatGPT and its cousins flourishing and fleshing out our imaginations of what AI can do, there is more open scrutiny about the ethics and definitions of AI. We will be looking to talk more about this in the coming months, but in the meantime, we wanted to revisit an episode that seems even more relevant now.

AI has a ‘black box’ issue and the lack of understanding about how such systems work can raise concerns about opacity, unfair discrimination, ethics and threats to individual privacy and autonomy. Would it be fair/acceptable if in the future AI used your digital identity and social media posts and decided you have very expensive habits and are thus unlikely to repay your debts? The new AI regulation proposed in the EU aims to address these issues by requesting processes to build, audit and safeguard AI systems. We spoke with Ismini Psychoula, Research Scientist at the OneSpann Innovation Center, about the principles behind the new regulations, and how to ensure trustworthiness and fairness in financial services.

Guest: Ismini Psychoula, Research Scientist, OneSpan Innovation Centre
APRIL- Autonomous Podcasting Robotic Intelligent Lifeform

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20
Rachel Morrissey, Executive Producer, MoneyPot, Money20/20

Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential
Rachel Morrissey, Executive Producer, MoneyPot, Money20/20

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AI applications are surging and fueling the imagination of innovators and entrepreneurs. We had the opportunity to speak to Rana Gujral, the CEO of Behavioral Signals, who have been working on AI and communication applications. Mr. Gujral has been recognized as among 'Top 40 Voice AI Influencers to Follow' by SoundHound, ‘Entrepreneur of the Month’ by CIO Magazine, awarded ‘US-China Pioneer’ by IEIE, listed as a Top 10 Entrepreneur to follow in 2017 by Huffington Post and an AI Entrepreneur to Watch in Inc Magazine. In 2020 he won “Contributor of the Year: Chatbots” in Hacker Noon’s Noonie’s Awards.
This new application is using the power of the voice and the non-verbal cues to help create better customer experiences and greater data protections at the same time. This is one to watch!
Guests: Rana Gujral, CEO, Behavioral Signals
Host: Rachel Morrissey, Executive Producer, The MoneyPot
Producer: Rachel Morrissey, Executive Producer, The MoneyPot

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Banks today aren't great at innovation, but simply mimicry, because of Conway's Law - “Any organization that designs a system (defined broadly) will produce a design whose structure is a copy of the organization's communication structure. So, what changes in technology would be enough to change the way teams in banks are structured, and thereby the design of the products/services they offer? And does culture mirror technology or does technology mirror culture? We spoke with Karan Oberoi from Backbase, and Nick Cowell from Deloitte Digital to dig out the way banks can re-imagine their systems and therefore reimagine their services. Hint: Mission is central.

Guests: Karan Oberoi, Chief Product Officer, Backbase
Nick Cowell, Principal, Deloitte Digital (his team helped multiple challenger fintechs launch and he leads the Affinity Banking practice
Host: Rachel Morrissey, Executive Producer of The MoneyPot, Money20/20

Producers: Rachel Morrissey, Executive Producer of The MoneyPot, Money20/20

Special Thanks to Will Haskins!

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Fintech Policy wonks are having a field day. While companies are finding new advantages to having smart policy teams, regulators are hungry for tech savvy employees.
To help us find a pathway, we invited John Pitts, Head of Policy at Plaid, and Kaitlin Asrow, the Executive Deputy Superintendent of Research and Innovation, at NYDFS to our stages to find ways that regulators can think more in line with innovators, and innovators can better communicate with rulemakers. We are also posting this along with For Fintech’s Sake, and it features guest host, Ally McCloskey, who has shown her chops interviewing fintech luminaries at the Wharton Fintech podcast for the past several years.

Guests: John Pitts, Head of Policy, Plaid
Kaitlin Asrow, Executive Deputy Superintendent, Research and Innovation, NYDFS

Guest Host: Ally McClosky, For Fintech’s Sake

Producer: Rachel Morrissey, Executive Producer, The MoneyPot, Money20/20

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Jim Magats has been a part of Fintech since before it was a hashtag. During his career, his leadership was central to the growth of PayPal, spearheading their bread and butter- partnerships. In 2021, he took on the new challenge of leading MX as their CEO. MX had a very difficult 2021- not due to business- but due to the challenges and heartbreak life can throw our way. Their CEO, Ryan Caldwell, had to step back to pay attention to serious family health issues. And their co-founder, and one of the great souls in our industry, Brandon DeWitt passed away after a battle with cancer. We spoke to Jim about his experiences in the industry, the philosophies and mindsets that have created success, and the unique challenge and honor of taking the helm at MX.

Guest: Jim Magats, CEO, MX
Host: Rachel Morrissey, Executive Producer, The MoneyPot at Money20/20
Producer: Rachel Morrissey, Executive Producer, The MoneyPot at Money20/20

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Financial services companies are swimming in data, and everyone suspects that the secrets to client satisfaction and increased profits are hidden in it. However, with that much data, the challenge is- how do you organize it into something useful with genuine answers? Something that tells a real story? And can you anyone paint the picture?
Robert Cooke, Founder and CTO of 3Forge can. After working in several financial services companies in a variety of roles, he had a deep understanding of the issues and thought he knew the solution. So- he built it.
3 Forge’s AMI is deployed at three of the five largest global banks, and nearly 20% of global equities flows through the platform. It also provides services to hedge funds, broker-dealers, and other financial services firms. The company is the leading provider of “performance at scale” data management systems.
And all of that journey started at 10…. But we are getting ahead of ourselves.

Guest: Robert Cooke, Founder and CTO of 3Forge

Hosts: Rachel Morrissey, Executive Producer, The MoneyPot at Money20/20
Ian Horne, Head of Content, Money20/20 EU

Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential
Rachel Morrissey, Executive Producer, The MoneyPot at Money20/20

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When Rachel Schneider wrote “The Financial Diaries”, the research uncovered several misconceptions that the financial industry has about the financial lives of the average person. When her research was done and her book was published, the Omidyar Network that had funded the study then presented her with the opportunity to solve one issue that she found in her research. Her answer is Canary, which helps businesses create safety nets for their employees and the communities they live in, and helps smooth over the rough times that inevitably fall in all our lives. I hope you enjoy this episode and may we all have stronger communities and strengthen the ties that bind us together in the new year!
Guest: Rachel Schneider, Founder and CEO, Canary
Host: Rachel Morrissey, Executive Producer of The MoneyPot, Money20/20

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We spoke to Colin Luce, the Co-Founder & CEO of Basis Theory - a tokenization platform built to manage data compliance and help companies navigate the increasing complexity of global regulations about how their tech can change the nature of data security and compliance.
This was recorded at the Money20/20 Show in October 2022

Guests: Colin Luce, Co-Founder & CEO Basis Theory

Hosts: Nick Holland, Global Head of Insights, Money20/20
Sanjib Kalita, Wizard on Site, Money20/20

Producers: Roland Bodenham, Senior Video Producer and Podcast Development Lead, Ascential

Rachel Morrissey, Executive Producer of The MoneyPot Podcast, Money20/20

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We sat down with Ricardo Amper, CEO of Incode to discuss how financial institutions are combatting spoofing and identity fraud through biometric digital identity verification. We also discussed the use of synthetic data to commit fraud, and what can be done at scale to help. This was recorded live at The MoneyPot Booth in Las Vegas in October 2022.

Guest: Ricardo Amper, CEO, Incode

Hosts: Nick Holland, Global Head of Insights, Money20/20
Rachel Morrissey, Executive Producer of The MoneyPot Podcast, Money20/20

Producers: Roland Bodenham, Senior Video Producer & Podcast Development Lead, Money20/20
Rachel Morrissey, Executive Producer of The MoneyPot Booth, Money20/20

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On this MoneyPot Raw, Sanjib Kalita and Rachel Morrissey sit down with Mr. Victor D. Lombard, aka DIVINE, to speak about his journey and his mission to create fintech that solves systemic disadvantages. In this vulnerable and extraordinarily honest interview, DIVINE left us inspired and humbled. We are very grateful he shared his time and considerable insights on his mission. He has founded SOLVENT to focus on and empower the system impacted, formerly incarcerated, and incarcerated with tools for the socioeconomically disadvantaged, formerly incarcerated, family, friends and loved ones of the formerly incarcerated and/or incarcerated, and those currently incarcerated.

Guest: Mr. Victor Lombard AKA DIVINE

Hosts: Sanjib Katlita, Editor-in-Chief Emeritus, Money20/20

Rachel Morrissey, Executive Producer, The MoneyPot Podcast, Money20/20

Producers: Rachel Morrissey, Executive Producer, The MoneyPot Podcast, Money 20/20

Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

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We sat down with Delicia Reynolds Hand from Consumer Reports, and Cleve Mesidor from The Blockchain Assn, to talk about whether the DeFI movement in FinTech is creating new indicators of financial wellbeing and how young POCs, women, and diverse innovators are forging new metrics of wellbeing and prosperity. This was LIVE at the Money20/20 US show in Las Vegas in October 2022.

Guests: Delicia Reynolds Hand, Director, Financial Fairness, Consumer Reports
Cleve Mesidor, Executive Director, Blockchain Foundation
Hosts: Micky Tesfaye, Content Lead, Money20/20 EU
Rachel Morrissey, Executive Podcast Producer, Money20/20
Producers: Rachel Morrissey, Executive Podcast Producer, Money20/20
Roland Bodenham, Senior Video Producer and Podcast Lead, Money20/20

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Following on our previous episode on Brazil's Pix payment rails, we had João Del Valle, CEO and Co-Founder at EBANX talk to us about the tremendous changes that have occurred and what he sees coming in merchant/ b2b payments. This was recorded at the Money20/20 Show in October 2022

Guest: João Del Valle, CEO and Co-Founder, EBANX

Hosts: Nick Holland, Global Head of Insights, Money20/20

Sanjib Kalita, Editor-in-Chief Emeritus, Money20/20

Producers: Rachel Morrissey, Executive Podcast Producer, Money20/20

Roland Bodenham, Ascential Video Producer and Podcast Lead, Ascential

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IPOs are in a holding pattern, SPACs are undergoing a transformation and the private market is shaky. Economic downturns always give birth to innovation in the capital markets. Companies need capital – the lifeblood of growth. How do you position yourself to be one of the most financially innovative companies? We spoke with Isabelle Freidheim, Founder & Chairman of Athena to understand what's happening in capital markets.

Guest: Isabelle Freidheim, Founder & Chairman, Athena

Hosts: Nick Holland, Global Head of Insights and Networks, Money20/20

Micky Tesfaye, Content Lead, Money20/20 EU

Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

Rachel Morrissey, Executive Producer of The MoneyPot, Money20/20

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Scarlett Sieber, our Chief Strategy and Growth Officer, will be joined in the booth by José Caparrosa, Editor, Forbes Columbia to host Cecilia Tamez, Chief Strategy Officer of Dandelion, about strategies around fintech growth in LATAM and what helps or hurts the speed of innovation.

Guest: Cecilia Tamez, Chief Strategy Officer, Dandelion

Host: Scarlett Sieber, Chief Strategy and Growth Officer, Money20/20

José Caparrosa, Editor, Forbes Columbia

Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

Rachel Morrissey, Executive Producer, The MoneyPot, Money20/20

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Brazil's Central Bank launched Pix, a new nationwide real-time payment system, that has transformed money movement inside the country. Launched in November of 2020, within a year, over 62% of Brazil's population had adopted Pix, including businesses and consumers. It is created to facilitate both person to person payments and business transactions and has 113 million users. We at Money20/20 had to learn more, and were luckily able to discuss it with the person responsible for running it- Carlos Eduardo Brandt, Deputy Head of the Dept of Competition and Financial Market Structure of the Central Bank of Brazil- or as he calls himself- the person in charge of Pix. We learned so much, and we are so happy to share it with you!

Guest: Carlos Eduardo Brandt, Deputy Head of the Dept of Competition and Financial Market Structure of the Central Bank of Brazil

Hosts: Rachel Morrissey, Executive Producer of Podcast, Money20/20

Micky Tesfaye, Content Lead for Money20/20 EU

Producers: Roland Bodenham, Senior Video Producer and Podcast Development Lead, Ascential

Rachel Morrissey, Executive Producer of Podcast, Money20/20

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As investment and interest in Web3 increases, so does the sense of what could go wrong. To help us focus on what can go right, we spoke with Megan Nilsson to think through some of the complexities we have around access and identified 4 major tools- data management & ownership, universal access, design access, and educational access - that need to be in place to make Web3 everything the enthusiasts dream it will be.

Guest: Megan Nilsson-aka Crypto Megan-High-End Crypto & NFT Consultant

Hosts: Rachel Morrissey, Executive Producer of Money20/20 Podcasts, Money20/20

Sanjib Kalita, Editor-in-Chief, Money20/20

Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

Rachel Morrissey, Executive Producer of Money20/20 Podcasts, Money20/20

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Last month, the fintech universe was set abuzz following the news that A16Z had written its biggest check to date. But the eye-watering sum wasn't at the heart of the buzz; it was the man behind the raise: Adam Neumann. Despite allegations of impropriety with his form venture, WeWork, he is trusted by investors once again. We wanted to dig into the possible reasons why, and how it could be explained by a "survivor bias". We dig into how survivor bias works, why it is actually systemic, and the harm it does to problem solving.

In addition to this episode, our financial journalist Micky Tesfaye dug into this topic further on our blog. Check it out!

Hosted by: Sanjib Kalita, Editor-in-Chief, Money20/20

with: Micky Tesfaye, Financial Journalist, Money20/20

Rachel Morrissey, Executive Producer of The MoneyPot, Money20/20

Kisha Allison, Head of Content, Money20/20 USA

Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential
Micky Tesfaye, Financial Journalist, Money20/20

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Ben Weiss saw the potential of crypto as an equalizing asset, but he also saw that the people who understood who to access it might be the ones to benefit the least. So, he decided to create a solution that his own mother could use and feel confident- a crypto kiosk. Ben realized that by creating creating a physical device, he could bridge the gap and take crypto to broader communities. And he has. We talked to Ben Weiss about the nature of crypto as the wild west, and why his idea on physicalizing the crypto buying experience is helping to settle crypto.

Guest: Ben Weiss, CEO and Founder, CoinFlip

Host: Sanjib Kalita, Editor-in-Chief, Money20/20

Mickey Tesfaye, Financial Journalist, Money20/20

Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

Rachel Morrissey, Executive Producer, Money20/20 Podcast

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In this episode of The MoneyPot Raw, Tracey Davies, President of Money20/20 and I sit down with Monica Engel, Partner and Co-Founder of Quona Capital, to talk about her new book - Rebalance: How women lead, parent, partner, and thrive. We discuss the importance of the THRIVE group - a group of working women with ambitions for good careers, families, partnerships, and community- that she helped establish. And why intentionally seeking these groups is so vital for women to succeed and maintain balance. We also discuss about what changes we see coming and how professional women can play a role in the reset.

Guests: Monica Engel, Partner, Quona Capital and co-Author of Rebalance: How women lead, parent, partner, and thrive.

Tracey Davies, President, Money20/20 and founder of RiseUp

Host: Rachel Morrissey, Executive Producer, The MoneyPot, Money20/20

Producer: Roland Bodenham, Senior Video Producer and Podcast Lead, Money20/20

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The science around the climate crisis is in, and we are all feeling the effects of it, With record heat waves, droughts, and questions about stability, Gen Z considers climate a high priority in what they buy and support. CoGo, a new banking app, helps consumers understand what their spending means for their carbon footprint, By making this information available, they hope to employ behavioral sciences to assist consumers to more ecologically friendly habits. We talked to Emma Kisby, the EMEA CEO at Cogo, about their mission, and how important it is for financial services to lead in the climate crisis.

Guest: Emma Kisby, EMEA CEO at Cogo

Hosts: Rachel Morrissey, Executive Producer- The MoneyPot, Money20/20

Mickey Tesfaye, Financial Journalist, Money20/20

Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

Rachel Morrissey, Executive Producer- The MoneyPot, Money20/20

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As we figure out how economies will work within and between Web 2.0 to Web 3.0, we should be drawing from as many different industry experiences as possible. Luckily, we get to speak to Dawid Rožek , CEO, ZEN.COM about going from gamer to creating an online marketplace to creating the payments systems, and what all of it might teach us about the fintech future on Web3.

Guest: Dawid Rožek , CEO, ZEN.COM
Host: Sanjib Kalita, Editor-in-Chief, Money20/20 & Rachel Morrissey, Executive Producer and Senior Content Manager, Money20/20

Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

Rachel Morrissey, Executive Producer, The MoneyPot at Money20/20

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Cryptocurrencies have long been considered volatile, but they are also becoming more standard in diverse portfolios. It is more important than ever that we understand how the public and institutions are looking at cryptocurrencies. We are going to speak to Jean-Bapitiste Graftieux of Bitstamp, about their latest study- the Crypto Pulse- and get the low down on what, where, and why crypto is met with both skepticism and intrigue.

Guest: Jean-Baptiste Graftieux, Global CEO, Bitstamp

Host: Nick Holland, Global Head of Research, Money20/20 & Rachel Morrissey, Executive Podcast Producer, Money20/20

Producers- Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

Rachel Morrissey, Executive Producer, The MoneyPot, Money20/20

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Over the last few years, online scams have become rife from social engineering to online dating and fake advertisements. With so much media attention, why are they still on the up? Is it time we took a step back and looked at the human element? Sanjib Kalita and Micky Tesfaye sit down with Tim Burton and Chris Stevens from Callsign to discuss the art of the scam, why we naturally ignore the warning signs and how we’re so easily tricked.

Guests: Tim Burton, VP, Global Head of Solution Engineering, Callsign
Chris Stevens, Head of Solution Engineering, Callsign

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20 & Micky Tesfaye, Financial Journalist, Money20/20

Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

Rachel Morrissey, Executive Producer, MoneyPot, Money20/20

Money20/20EU is now! We are publishing every day from the show! Tune in and join the fun!

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There are no questions around the popularity of BNPL. It has been hailed as the payments product of GenZ and Millennials, but use by all generations has flourished over the last year. The questions left around it are about whether it is a safe, smart, and fair credit product, or is it a path to bad credit? Is this going to lead to a giant consumer debt issue, or is it a healthy alternative lending product that allows families and those with minimal access to credit to stretch their budgets? We spoke with Gary Stein, Chief Product & Compliance Officer at Opy (and formerly with the CFPB) to bring some clarity to this, and one thing was clear. BNPL isn't going anywhere.

Guest: Gary Stein, Chief Product & Compliance Officer, Opy

Host: Sanjib Kalita, Editor-in-Chief, Money20/20

Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

Rachel Morrissey, Executive Producer of The MoneyPot, Money20/20

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We are breaking from our typical format because of the intense news that is developing around the crypto markets, and how that is affecting businesses in that sector of the industry. We all know that the price of cryptocurrencies dropped. Bitcoin dove to a year low of $26284. Ethereum dove to $1792. Both seem to be stabilizing, but are very far from their beginning of the year highs. Even bigger are the stories about Luna and TerraUSD. TerraUSD is a stablecoin that is pegged to the USDollar, and managed to fall sharply under the $1 mark dragged down by Luna, which is the sister cryptocurrency. Luna has collapsed. As of this recording on May 12, 2022 at 3pm, it had dropped in value by 99% and is worth a little more than a penny. This has caused a certain amount of chaos at different crypto businesses, and their consumers.

Today, Sanjib Kalita, Nick Holland, Micky Tesfaye and Rachel Morrissey take a look at whether the nature of cryptocurrency is amenable to sustainable business models, what type of oversight can crypto exchanges and businesses expect, and what this will mean for private and public stablecoins.

Money20/20 Team: Rachel Morrissey, Executive Producer, The MoneyPot; Sanjib Kalita, Editor-in-Chief; Nick Holland, Global Head of Research; and Micky Tesfaye, Financial Journalist.

Producer: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

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Quantum computing is coming. And that puts encryption in danger, because the ability to process long numbers will be so much faster and deeper in scope will be at the finger tips of major players. Crypto currencies and blockchain technologies rely on distributed ledgers keeps value and contractual agreements on them safe without mediation now, but advances will need to be made in order to keep that ledger safe from corruptibility. We spoke to Rhiddiman Das, the Founder and CEO of TripleBlind, about how they are approaching and preparing for the problems around data privacy and the encryption safety to understand more about what we can expect and how we might approach the solutions.

Guest: Rhiddiman Das, Founder/CEO, TripleBlind

Hosts: Nick Holland, Global Head of Research, Money20/20

Rachel Morrissey, Content Manager Executive Producer of The MoneyPot, Money20/20 US

Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

Rachel Morrissey, Executive Producer of The MoneyPot, Money20/20 US

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Chainalysis and Cross River invited us to host a LIVE podcast conversation at the launch party for their new partnership designed to increase the ability of fintechs and community banks to offer crypto products ands services. We had the chance to interview Nathan Bekerman of Cross River and Jeff Billingham of Chainalysis and we discussed the accessibility of crypto for smaller players such as community banks and fintechs, the ways crypto has become more legitimized, and the benefits of web 3 custodianship.

Guests: Jeff Billingham, Vice President of Capital Markets, Chainalysis

Nathan Bekerman, Crypto Strategic Partnerships, Cross River

Hosts: Nick Holland, Global Head of Research, Money20/20

Rachel Morrissey, Executive Producer, Money20/20

Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

Rachel Morrissey, Executive Producer of the MoneyPot, Money20/20

Marketing: Cameron Kane, Head of Marketing, Money20/20US

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Collaboration between banks and fintechs has been central to the conversation about the future of money since 2015. But truly flourishing examples are finally in abundance. We got a chance to speak to Josh Goines from Bill.com and Reetika Grewal from Wells Fargo about their partnership to serve medium enterprise banking needs.

Done in partnership with Bill.com

Guests: Josh Goines, SVP of Partnership and Business Dev, Bill.com

Reetika Grewal, Executive Vice President, Wells Fargo

Host: Rachel Morrissey, Executive Producer of the MoneyPot

Producer: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

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Earlier this year, 10 nations and several international institutions participated in a simulation "war game" on the global financial networks. It was organized and led by the Israeli Ministry of Finance, to anticipate the need for smarter international cooperation to protect systems. The goal was to prepare for the possibility of wide-spread simultaneous hacks, understand what were the key weaknesses, and find measures that could be implemented across international lines. We got to speak to Rahav Shalom-Revivo, Head of Financial-Cyber Innovation and International Engagements, about the preparation and nature of the simulation, and the key findings that can keep our world safer. In her words " Collaboration is key in order to be able to make sure that the good guys actually win at the end."

Guest: Rahav Shalom-Revivo, Head of Financial-Cyber Innovation and International Engagements, Israeli Ministry of Finance

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20

Rachel Morrissey, Executive Producer of the MoneyPot, Money20/20

Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

Rachel Morrissey, Executive Producer of the MoneyPot, Money20/20

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The sanctions on Russian financial institutions following the invasion of Ukraine, including from SWIFT and the freezing of Russian Central Bank assets have been the center of attention for the global financial world. These sanctions or threats of sanctions have already had severe repercussions for both Russia and the global economy- repercussions that have yet to be fully felt.
We at Money20/20 wanted to provide clarity around the details of the sanctions, what they seem to imply, and what other financial tools are factors in the complete story, including alternate financial messaging systems within Russia, and the status of crypto.

Host: Sanjib Kalita, Editor-in-Chief, Money20/20

Producers: Rachel Morrissey, Executive Producer of the podcasts, Money20/20

Micky Tesfaye, Financial Journalist, Money20/20

Nick Holland, Global Head of Research, Money20/20

Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

Contributors: Will Haskins, Content Director, Asia & Digital

Elena Mesropyan, Former Head of Content, Money20/20EU

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Fintech investment is exploding. But, with so much investment, valuations are in question. VC money is aimed at breeding unicorns, which are now much less rare, and being created at a rate of two per day. Is this the best way to truly grow and nourish a healthy financial ecosystem and communities? Or is the VC funding model ready to be disrupted as well? We spoke with Bhavik Vasa, Founder & CEO of GetVantage and Saket Kumar, Co-Founder & CEO of Vitt. about plans to fund smaller niche business, and why that can be a win for VC's and consumers, #VentureCapital

Guests: Bhavik Vasa, Founder & CEO of GetVantage
Saket Kumar, Co-Founder & CEO of Vitt
Hosts: Micky Tesfaye, Financial Journalist, Money20/20
Rachel Morrissey, Executive Producer, MoneyPot Podcast, Money20/20
Producers: Will Haskins, Director of Content, Money20/20 Asia/ Digital
Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

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Guest: Ismini Psychoula, Research Scientist, OneSpan Innovation Centre
APRIL- Autonomous Podcasting Robotic Intelligent Lifeform

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20
Rachel Morrissey, Executive Producer, MoneyPot, Money20/20

Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential
Rachel Morrissey, Executive Producer, MoneyPot, Money20/20

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Bitcoin. Ethereum. Litecoin. All have made headway in the mainstream regarding their functionality and potential use as an actual currency. For crypto to truly take hold as a currency, it needs to be accepted during commerce activities such as buying and selling. Edwin Aoki, CTO of PayPal’s BCDC unit, and May Zabaneh, VP of Product for BCDC, join us to discuss how PayPal views these new technologies and what we should expect when it comes to using them for commerce.

Guests: Edwin Aoki, CTO of BCDC, PayPal
May Zabaneh, VP of Product, BCDC, PayPal

Host: Nick Holland, Global Head of Research, Money20/20

Producers: Rachel Morrissey, Executive Podcast Producer, Money20/20
Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

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We think of AI as something from a Sci-Fi novel, but the reality is AI and natural language processing are already being used in aiding core financial systems. We got the chance to speak to Nino Bice and Vijay Krishnamurthy from the Oracle Lakehouse about their projects in AI, why they are so vital, and what opportunities their projects open in the future.

Guests: Nino Bice, Vice President Product Management AI, Oracle
Viji Krishnamurthy, AI Specialist, Analytics for Blockchain, Oracle

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20
Nick Holland, Global Head of Research, Money20/20

Producers: Rachel Morrissey, Executive Producer, Podcast, Money20/20
Roland Bodenham, Senior Video Producer and Podcast Lead, Money20/20

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The pandemic forced everyone to reevaluate many parts of life – from work life balance to payment habits. As consumers considered their various situations, it brought about the coming of age and exponential growth of the buy now, pay later industry. Thought of as primarily a millennial and Gen Z payment method due to their existing adoption of the subscription lifestyle, the pandemic forced older generations to adopt buy now pay later services. Hear from Greg Lisiewski, VP of Global Pay Later at PayPal, Samsonite’s VP of Marketing and eCommerce David Oksman, and Brian Riley, Director at Mercator Advisory Group about the growth of this industry over the past 18+ months and the impact it has had on their businesses.

Guests: Greg Lisiewski, VP of Global Pay Later, PayPal
David Oksman, VP of Marketing and eCommerce, Samsonite
Brian Riley, Director, Mercator Advisory Group

Host: Rachel Morrissey, Executive Producer, Podcast, Money20/20

Producer: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

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Since banking became mobile, it feels like it should be more intuitive and more automated. Our money should feel easier to use, easier to save and serve us better. Embedded finance is the beginning of a system where the banking is simply an inherent part of any transaction, and not a belabored afterthought. And with open banking empowering consumers to own their data, the combination with embedded finance could lead to incredible opportunities in every type of financial transaction. We spoke with Sanjay Mathew, from Oracle and Mayank Mishra from Citi, about their outlook as they lead clients through the possibilities.

Guests: Sanjay Mathew, Senior Industry Strategy Director, Oracle

Mayank Mishra, Managing Director, Global Head Digital Channels, Citi

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20

Kisha Allison, Head of Content, Money20/20 USA

Nick Holland, Head of Global Research, Money20/20

Producer: Rachel Morrissey, Executive Podcast Producer, Money20/20

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The pandemic rocked retail to the core, and was a time when multiple payments options and omni-channel commerce became vital to survival. Some of the biggest casualties are the mid to large traditional retailers who have declared bankruptcy in record numbers. Their profit margins are being squeezed by the behemoths while a lot of the problem solving has been for small businesses to operate better and smoother. In order to compete, retailers need to be able to move as swiftly as the payments industry, keeping up with new preferences, and experiment with trends. We spoke with John Lunn, CEO and Co-Founder of Gr4vy about creating a solution that allows these retailers to modify their payments stacks, and give retailers much needed flexibility.

Guest: John Lunn, CEO and Co-Founder of Gr4vy

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20
Rachel Morrissey, Executive Podcast Producer, Money20/20

Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential
Rachel Morrissey, Executive Podcast Producer, Money20/20

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DeFi and Web 3.0 are upon us. With the growing popularity of crypto, NFTs and other digital assets, new ways to create, gather, and transform wealth are developing. As they do, institutional investors are becoming more and more interested. But, as they invest more in these assets, they must take extra measures around the potential risks and compliance requirements. We spoke with Sanjay Mathew from Oracle and Greg Gilman, from Protego Trust about the way digital assets can change the nature of risk, open markets, and how to make them less risky for institutional investors.

Guests: Sanjay Mathew, Senior Industry Strategy Director, Oracle
Greg Gilman, Founder and Executive Chair, Protego Trust

Host: Sanjib Kalita, Editor-in-Chief, Money20/20

Producer: Rachel Morrissey, Executive Producer of The MoneyPot, Money20/20

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Retail investing has never been a hotter space. During the pandemic, as certain discretionary incomes increased, and apps have made participating in the markets easier, there has been an explosion of interest and activity. But this has led to a proliferation of meme stocks, and questionable investment activities, none of which are disappearing. Retail investing has always had a memetic nature, but social media communities about investing are changing the movement of investing information and making it vulnerable to bad sources. So how do you embrace the openness and create communities that are authentic, creative, and supportive as more people become part of these markets? We spoke to Stephen Sikes, COO of Public.com to learn more about their embrace of communities and how those communities can be fostered to make investing safer.

Guest: Stephen Sikes, COO, Public.com

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20

Rachel Morrissey, Executive Podcast Producer, Money20/20

Producers: Sanjib Kalita, Editor-in-Chief, Money20/20

Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

Rachel Morrissey, Executive Podcast Producer, Money20/20

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Over the past year, both traditional and upstart financial service providers have streamlined and digitized to enable remote workforces and customer experiences. Consumers and society overcame challenges not seen in over a generation. Just as survivors of the Great Depression focused on achieving the necessary with minimal resources, consumers coming out of the pandemic have different expectations and behaviors, shaped by the events of the last two years. The game of leapfrog continues and consumers are now jumping, leading to category growth in neo-banking, crypto-investing, mobile financial services and new lending and payment schemes.

Money20/20’s sister company, WGSN, helps predict future consumer trends and behavior for product design , and they have identified the consumer sentiments that will shape how your future consumers feel, and mapped these sentiments into the four consumer profiles that will shape the world around us in 2023. In this special, we spoke with Andrea Bell, Director of Insights, about her teams expertise and research to identify four predominant trends in future consumers, and we discuss what financial services and tech will be prime for their engagement.

Beyond what to expect of your future consumer in how they’ll feel and behave, Future Consumer 2023 provides invaluable foresight on what people will want and demand, providing you with the knowledge you need to create the services and strategies of tomorrow. For an industry that prioritizes customer experience, knowing what consumers want is essential in taking a proactive approach to meet consumer demands.

Welcome to the future!

Guest: Andrea Bell, Director of Insights, WGSN

Host: Rachel Morrissey, Content Manager and Executive Producer of The MoneyPot, Money20/20

Producer: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

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Over the past 18 months, businesses of all shapes and sizes have needed to focus specifically on the digital customer experience as other channels have closed or slowed down. The ability to define the customer experience – and make it unique – is not just a differentiator, but what allows companies to succeed during a challenging, unprecedented time. We spoke with Dr. Tiffany Raymond of PayPal on how leveraging e-commerce will not just accelerate business but can also be optimized with strategic thinking.

Guest:: Dr. Tiffany Raymond, Head of Global Customer Advocacy, PayPal

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20

Rachel Morrissey, Content Manager & Executive Producer of the podcast, Money20/20

Producers: Rachel Morrissey, Content Manager & Executive Producer of the podcast, Money20/20

Sanjib Kalita, Editor-in-Chief, Money20/20

Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

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Embedded finance is at the heart of payments innovation. Uberized payments, digital wallets, and contactless service has become the standard. Will the next wave be credit cards? Do the brands that you love know you better than your financial institution, and are they willing to extend you more credit because of it? We spoke with Dov Marmor about the new Railsbank Credit Card as a Service (CCaaS) platform about this new evolution of credit and the deep satisfaction of creating tools to help foster peoples dreams.

Guest: Dov Marmor, COO, North America, Railsbank

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20

Rachel Morrissey: Executive Podcast Producer, Money20/20

Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

Kisha Allison, Head of Content, Money20/20 USA

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Community banks are at a moment of decision, like a football game going to penalties. They are in the midst of consolidations, acquisitions, and pressure to digitize. The number of these banks are shrinking in the EU and US, but during the pandemic, many have shown resilience and won a lot of goodwill through excellent customer engagement. We spoke with Mantl's Nathaniel Harley and Jesse Wedler, Capital G to speak about the mission to help community banks digitize their culture, their onboarding, and eventually, their whole stack.

Guests: Nathaniel Harley, Co-Founder and CEO, MANTL

Jesse Wedler, Partner, CapitalG

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20

Rachel Morrissey, Executive Producer of the MoneyPot, Money20/20

Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

Rachel Morrissey, Content Manager, Money20/20 USA

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We are on the verge of the great bank consolidation. While currently, there are nearly 5000 banks each in the US and Europe, that number is going to significantly reduce in the next few years as banks merge, and are acquired by other banks or fintechs. Amidst this, how do you create a culture that is tech forward and eliminates the hierarchies that can prevent quicker innovation? We decided to speak to Dontà Wilson and Scott Case, who have led the merger to create Truist Bank, dealing with creating a new culture and moving to a hybrid cloud core, all during the pandemic.

Guests: Dontà Wilson, Chief Digital and Client Experience Officer, Truist
Scott Case, Chief Information Officer, Truist

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20

Rachel Morrissey, Executive Producer, MoneyPot at Money20/20

Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

Rachel Morrissey, Executive Producer, MoneyPot at Money20/20

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Banks are racing to both "apply digital lipstick" to keep consumer experiences up to date and competitive, and to transform their cores, so that they can run mission critical applications in a digital first world. We had a conversation with Sanjay Matthew, Senior Industry Strategy Director, and Aubrey Hawes, Senior Director- Global Banking Solutions, at Oracle, to talk about the ideas behind progressive transition, to protect your business and create a stronger foundation for the future.

Guests: Sanjay Matthew, Senior Industry Strategy Director, Oracle

Aubrey Hawes, Senior Director- Global Banking Solutions, Oracle

Host: Rachel Morrissey, Executive Producer of the MoneyPot, and Content Manager, Money20/20 USA

Producer: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

Rachel Morrissey, Executive Producer of the MoneyPot, and Content Manager, Money20/20 USA

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No one is surprised that digital wallet adoption soared during the pandemic, but there is a lot more to digital wallet adoption than simply contactless payments. The approach different countries and regions take to innovation and the nature of digital wallets is having a large impact, We talked with Frida Polyak, Analyst and Researcher at Euromoniter International about what she was seeing behind digital wallet adoption across Europe, both in policy and market leader strategies.

Guest: Frida Polyak, Analyst & Researcher, Euromonitor International

Hosts: Sanjib Kalita, Editor-in Chief, Money20/20

Gary Dempsey, Content Lead, Money20/20 EU

Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

Rachel Morrissey, Executive Producer of The MoneyPot, Money20/20

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Fintech in Latin America is flourishing. The worlds largest neobank is in Brazil, digital wallets are seeing unprecedented adoption, and with a largely unbanked population, the potential markets are huge. We talked to Michel Golffed, the Senior Vice President of Growth at dLocal about how bridging payments to emerging markets is changing the fintech landscape, opening eCommerce to a new consumer base, and fueling exciting innovation.

Guest: Michel Golffed, Senior Vice President of Growth, dLocal

Host: Kisha Allison, Head of Content, Money20/20 USA

Rachel Morrissey, Content Manager, Money20/20 USA

Producers: Roland Bodenham, Senior Video Editor, Ascential

Rachel Morrissey, Executive Producer of The MoneyPot podcast, Money20/20

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Alibaba subsidiary Ant Group Financial was headed for a highly anticipated IPO that was quickly pulled back when the Chinese Government imposed a much stricter regulatory structure. Now people are wondering if the IPO is curtailed for good, or what would need to happen for it to move forward. We are also wondering what these regulatory movements could mean as a pre-curser to increased regulatory scrutiny in the west. We spoke with Chong Li, Director of Government Relations and Strategic Partnerships here at Ascential, and with Sampath Sharma, Associate Research Analyst for APAC Fintech at S&P Global Market Intelligence, to understand what the new regulatory measures mean for Alibaba and Ant Financial, and when or if we can expect an IPO.

Guests: Chong Li, Director of Government Relations and Strategic Partnerships, Ascential,

Sampath Sharma, Associate Research Analyst for APAC Fintech at S&P Global Market Intelligence

Hosts: Will Haskins, Content Director, Money20/20 Asia

Rachel Morrissey, Executive Podcast Producer, Money20/20

Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

Will Haskins, Content Director, Money20/20 Asia

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The proponents of embedded finance have coined the phrase "Every Company Is a Fintech Company", and they are betting that the majority of all companies in the future will have financial services as part of their offerings. And while money has always been a large influence in every industry, this will give finance and the tools of finance more power to change things than ever before. As we are confronting the need for diversity, the opportunities for financial inclusion, and rethinking the problems around every basic institution, we need authenticity to guide us. With the help of Amy Nauiokas, CEO and Co-Founder of Anthemis Group, we sift through some of the arguments around how to think about the growing fintech ecosystem and the expansion of financial services.

Guest: Amy Nauiokas, CEO and Co-Founder, Anthemis Group

Host: Sanjib Kalita, Editor-in-Chief, Money20/20, Rachel Morrissey, Executive Producer, Money20/20 USA

Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential, Rachel Morrissey, Executive Producer, Money20/20

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We did our first LIVE interview for The MoneyPot at the Fintech South Conference with Johnny Reinsch, CEO and Co-Founder of QWIL. With the expansion of self-employment in the "new-normal" economy, solutions that enhance the ability and solve for the pain points that contractors and consultants experience is more important than ever. QWIL is on a mission to solve the biggest pain point- getting paid on time!

We had a great time with Fintech South and thank them for the opportunity to record a session with Johnny about solving issues for independent contractors and exploring the nature of entrepreneurship.

Guest: Johnny Reinsch, CEO and Co-Founder of QWIL

Host: Sanjib Kalita, Editor-in-Chief

Rachel Morrissey, Producer, Money20/20 USA

Producers: Roland Bodenham, Senior Video Editor and Podcast Lead, Ascential

Rachel Morrissey, Producer, Money20/20 USA

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Investment apps have garnered a lot of attention this year, as the thwarted GameStop short displayed how democratized access has changed the flow of market information and actions. While some have treated it as a game, investing is a great way to protect and build wealth. And while we are experiencing inflation, democratizing and making those tools available to everyone is an important step in re-imagining personal finance to help build up the middle class. We spoke to Brian Barnes, the CEO of M1 Finance, who is working to make investing part of every persons financial management, and has created a way to encourage micro-investing that helps people think long term and understand that everything is becoming digital, even the rancher's cows...

Guest: Brian Barnes, CEO of M1 Finance

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20

Rachel Morrissey, Producer, Money20/20

Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Money20/20

Rachel Morrissey, Producer, Money20/20

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User experience is at the heart of the fintech revolution. Innovation has centered around building better, smarter, cheaper, and more helpful services to disrupt the establishment and reinvigorate competition for the consumer. If data is the oil of that innovation, then understanding the pipelines is all part of enhancing customer service and the user experience. To understand more about data flows, and how that can contribute to stronger business models, better UX, and the future of work, we spoke with Halil Kama of the London Internet Exchange (LINX)

Guest: Halil Kama, Senior Peering Advisor, LINX

Hosts: Sanjib Kalita, Editor in Chief, Money20/20
Elena Mesropyan, Head of Content, Money20/20 EU

Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

Rachel Morrissey, Executive Podcast Producer, Money20/20

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In our part 2 of How to Re-Platform a Bank, we rejoin Form3 to take us through the tips to let go of your legacy technologies, and update your core. What steps should you consider? What helps you to trust the process and feel secure. And as cloud technologies become more central, how soon should you get started? We spoke to Nick Middleton, the Enterprise Program Director at Form3 about tips and ideas to start your transformation.

Guest: Nick Middleton, Enterprise Program Director, Form3

Host: Sanjib Kalita, Editor-in-Chief, Money20/20

Gary Dempsey, Content Leader, Money20/20 EU

Producer: Roland Bodenham, Senior Video Editor and Podcast Lead, Ascential

Sanjib Kalita, Editor-in-Chief, Money20/20

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Open finance is gearing up to change the way that financial products are developed and delivered. For example, payroll data underpins almost all retail financial products. Having better, cleaner, faster access to that data could change the way financial risk is assessed. So, what has kept us from using it before? - cost, privacy, speed, verified accuracy, and technological capability. But, all of that could be set to change according Kurt Lin, the Co-Founder and CEO of Pinwheel, the API for payroll.

Guest: Kurt Lin, Co-Founder and CEO of Pinwheel

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20

Rachel Morrissey, Producer, Money20/20

Producers: Roland Bodenham, Senior Video Editor and Podcast Lead, Ascential

Rachel Morrissey, Producer, Money20/20

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Whether cryptocurrencies are up or down, they have gained real legitimacy in 2020. One of the reasons behind that is a company called Chainalysis, which has built an impressive data platform that allows you to decode transaction history throughout blockchains. But their plans are much more ambitious. Recognizing the value of bitcoin's scarcity, and the creativity spurred by innovations of competing currencies, they see a future of digital assets and want to provide the platform to keep them secure and legitimate. To learn how, we spoke to Philip Gradwell, Chief Economist at Chainalysis, Inc

Guest: Philip Gradwell, Chief Economist, Chainalysis, Inc.

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20

Rachel Morrissey, Producer, Money20/20

Producers: Roland Bodenham, Senior Video Editor and Podcast Lead, Ascential

Rachel Morrissey, Producer, Money20/20

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Customer centricity is central to fintech innovation and lately groups of digital first banks have sprung up addressing the needs of different underserved communities. Daylight, a neobank aimed at serving LGBT+ communities, is changing the game when it comes to understanding the customer. Using both market research and personal experience, Co-Founders Rob Curtis and Billie Simmons, are applying common sense and a humane approach to creating a better customer experience. They are now calling on the entire industry to shift their practices by starting the Call Me By My Name campaign to ask that financial services adopt those practices industry wide.

Guests: Rob Curtis, CEO and Co-Founder, Daylight

Billie Simmons, Co-Founder and Chief of Staff, Daylight

Hosts: Gary Dempsey, Content Leader, Money20/20 EU

Kisha Allison, Head of Content, Money20/20 USA

Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

Rachel Morrissey, Producer, Money20/20

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Venture Capital is at the heart of financial services disruption. In Q1 of 2021, over 17 billion dollars has poured into fintech startups, and the investors are not simply side players that provide a check. They can be an invaluable resource for founders creating the products and services that are changing this industry. Understanding the expertise, networks, and talent pools that VCs bring to the table can help startups understand what they should look for in a VC. We spoke to Rebecca Lynn, Founder of Canvas Ventures about the role she plays and what VCs bring to the table.

Guest: Rebecca Lynn, Founder, Canvas Ventures

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20

Rachel Morrissey, Producer, Money20/20

Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

Rachel Morrissey, Producer, Money20/20

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Data is at the center of personalized experiences, but there is a fine line between tailored experiences and being creepy. With the zeal to reach customers, tech doesn't always watch that line. But we know that understanding your customers and providing services they want is key to differentiating yourself in the e-commerce space. We spoke to Bill Schneider and Julie Cox from SheerID to learn more about creative ways to collect good data, using non-traditional data to rethink credit worthiness, and thinking about financial services as a way to garner customer loyalty.

Guests: Bill Schneider, Head of Product Marketing, SheerID

Julie Cox, VP of Financial Services, SheerID

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20

Rachel Morrissey, Producer, Money20/20

Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

Rachel Morrissey, Producer, Money20/20

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There is a slew of niche neobanks that are designed to serve communities that are traditionally underserved and marginalized. By serving these markets, the founders believe that they can grab and create customer bases worth millions of dollars, as well as equalize the playing field and helping advance the mission of helping people build wealth. To understand what issues that these new banks are addressing, we spoke to Hassan Miah who has launched Paybby- a digital only bank designed to serve black and brown communities.

Guest: Hassan Miah, CEO, Paybby

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20

Kisha Allison, Head of Content, Money20/20USA

Producers: Roland Bodenham, Senior Video Editor and Podcast Lead, Ascential

Rachel Morrissey, Producer, Money20/20

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Too often, regulations and regulators, are looked at as the enemies of innovation. But, the world of RegTech isn't only about lowering the costs of compliance. It is about empowering regulators to be flexible to serve bigger policy goals, keeping the market fair and dynamic. We spoke with Murat Abur, Co-founder and CTO at Suade Labs to discuss the developments and possibilities that RegTech is creating to keep from over or under reacting to the amazing speed of the fintech revolution.

Guest: Murat Abur, Co-Founder and CTO, Suade Labs

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20

Rachel Morrissey, Producer, Money20/20

Producers: Roland Bodenham, Senior Video Editor and Podcast Lead, Ascential

Rachel Morrissey, Producer, Money20/20

Sanjib Kalita, Editor-in-Chief, Money20/20

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For years we’ve discussed the shift to mobile and the importance of digitizing businesses, and today we are seeing that shift accelerated. We have also witnessed an acceleration in consumers’ expectations for how brands are showing up and a seamless digital-first experience. We are navigating unique challenges as we think through ways to create impactful marketing that answers to consumers’ needs while strategizing ways to drive efficiencies for our business. Whether determining how to reach new and existing audiences, building your business’ brand while still driving consumer actions, speaking to consumers with relevant messaging or determining ways to drive loyalty despite signal loss, rethinking pivotal marketing moments - we know this is not easy. To help us understand these issues, and guide toward possible solutions, we spoke with Deepanjan De, Director, Head of Industry, Financial Services, Facebook and Luke Fernandez, Head of Growth Marketing and Product Director, Capital One Shopping.

Also, please check out Facebook's Financial Gains Hub for more information and intriguing solutions: https://www.facebook.com/business/m/financial-gains

Guests: Deepanjan De, Director, Head of Industry, Financial Services, Facebook

Luke Fernandez, Head of Growth Marketing and Product Director, Capital One Shopping

Hosts: Elena Mesropyan, Head of Content, Money20/20 EU

Rachel Morrissey, Producer, Money20/20

Producers: Roland Bodenham, Senior Video Editor, Ascential

Elena Mesropyan, Head of Content, Money20/20 EU

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China's BSN- Blockchain Service Network- first announced in 2019, provides infrastructure and tools for the deployment of blockchain solutions for Chinese businesses as well as businesses that operate in or trade with China. To learn more about this potentially game-changing infrastructure investment, we spoke with Aly Madhavji, Managing Partner of the Blockchain Founders Fund and Zennon Kapron, Director of KapronAsia.

Guests: Zennon Kapron, Director, KapronAsia

Aly Mahavji, Managing Partner, Blockchain Founders Fund

Hosts: Kisha Allison, Head of Content, Money20/20USA

Will Haskins, Director of Content, Money20/20

Producers: Roland Bodenham, Senior Video Editor, Ascential

Will Haskins, Director of Content, Money20/20

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NFTs have been the buzz in the air, but it seems like there is enduring confusion about what an NFT is and what it does. So, we thought- could we walk in the pioneering footsteps of the Kings of Leon, and make an audio episode about making an NFT into an NFT?

So we did! AND, in the process we made episode art and a song about what else?- NFTs.

And you can bid on it here!: https://opensea.io/collection/moneypot-podcast All of our proceeds will go to a charity that we will be announcing next week!

“This Episode is an NFT” features Rob Wells, a photographer dabbling his own toes in NFTs. He takes our team through creating an NFT, and in the process we learn what an NFT is, the history of NFTs, the current fervor, and how they solve a genuine issue.

Sanjib Kalita, Editor-in-Chief, Money20/20
Roland Bodenham, Senior Video Editor and Singer/Songwriter, Ascential
Jonathan Tobias, Video Editor, Digital Artist, GenZ NFT Enthusiast, Ascential
Rachel Morrissey, Producer, media nerd-in-residence, Money20/20

And Rob Wells, Photographer and NFT guide. By the way- Satoshi the Redeemer, the artwork Rob talks about in the episode can be found here

What is an NFT?
NFT stands for Non-fungible token, unlike crypto-currencies, which are fungible tokens. Fungible tokens, or assets, have units that can be readily interchanged, like a currency. Just as a dollar can be broken down to 4 quarters, cryptocurrencies have units. Non-fungible assets have unique properties that don’t allow for interchange without damaging the value. It would be similar to cutting up a Picasso, which would render a multi-million dollar painting worthless.

In our digital world, new digital properties are being created every day. And unlike copying a Picasso, copying digital files is widely available and doesn’t necessarily diminish their quality. So, how can you protect your ownership and the rights around your digital assets when scarcity drives the value? Never sharing it is not a real solution. Being able to “tokenize” it allows for verification of ownership and enhances the ability to sell digital assets.

But NFTs aren’t only for digital assets. Tokens can represent art, cars, real estate, trading cards, digital trading cards, gamer paraphernalia, music, books. It can represent anything in the real world or digital worlds that is of value. There are even people who have tokenized themselves… but that is a whole episode unto itself.

The current rage is trading cards, game cards, sports cards, memes, and some digital art. It has some big supporters in the likes of Logan Paul, Gary Vaynerchuk, and Mark Cuban.

Artists of all stripes have been looking into how they might use it. As we mentioned, Kings of Leon released an album on it. And Beeple, a digital artist, was able to use it to sell his artwork through Christies for the healthy sum of $69,000,000.
While the enthusiasts admit that it feels slightly like a bubble, they don’t believe that it will burst. Only time will tell if it collapses or if it simply deflates down to a more realistic size. Either way, we have thrown our hat in the ring to see what happens. We hope you enjoy it, bid on it, and help us help others. And again, all of our proceeds will go to a charity that we will be announcing next week!

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For grim reasons, the estate planning business boomed during the early days of the pandemic. Access demanded a completely digital approach that allowed for highly informed decision making and legally binding documentation. But there is another barrier that needs to be broken- the notion that Wills and Planning are only for wealthy people and white people. Did you know that Aretha Franklin died without a will? Why would a woman that empowered not have something so many consider part of basic financial planning? One word- TRUST. Research shows that fintech is building trust with minority communities, particularly the black community. We talk about what problems this creates, and speak with Cody Barbo, CEO of Trust&Will about his ideas around a solution.

Guest: Cody Barbo, CEO, Trust & Will
Hosts: Monique Ruff-Bell, Event Director, Money20/20 USA
Rachel Morrissey, Content Producer, Money20/20
Producers: Roland Bodenham, Senior Video Editor, Ascential
Rachel Morrissey, Content Producer, Money20/20
Additional Information on the need to protect generational property rights and how minorities are particularly vulnerable: https://features.propublica.org/black-land-loss/heirs-property-rights-why-black-families-lose-land-south/
https://www.youtube.com/watch?v=ls3P_FicO7I
https://scholarship.law.tamu.edu/cgi/viewcontent.cgi?referer=https://www.google.com/&httpsredir=1&article=1784&context=facscholar

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It is hard to transform to digital first, or as our guest co-host Kevin Holditch says, "Replatforming a bank is like swapping out a couple of decades old jet engine, mid flight, whilst being 38,000 feet in the air with an over-pack passenger list." Seems like that might cause a few difficulties, doesn't it?

This is the first of a special series with Form3. Gary Dempsey, Content Lead, Money20/20 EU brings on Kevin Holditch, Head of Platform Engineering at Form3, to co-host. They speak with Jan-Willem Weggemans, Senior Client Partner at Publicis Sapient to unpick the issues as banks take on the Herculean task of replatforming before they get technologically beaten.

You can also find this episode and more of Form3's Kevin Holditch on their podcast: dot tech Podcast by Form3 You should check them out!

Guest: Jan-Willem Weggemans, Senior Client Partner, Publicis Sapient.

Hosts: Gary Dempsey, Content Lead, Money20/20 EU

Kevin Holditch, Head of Platform Engineering, Form3

Producers: Gary Dempsey, Content Lead, Money20/20 EU

Thomas Cheung, International Marketing Manager, Form3

Roland Bodenham, Senior Video Producer, Ascential

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SPACs have made going public incredibly tantalizing, and the number of SPACS in 2021 is eye-popping. So, is that actually a great thing? And what does JP Morgan shutting down ChasePay mean for the big banks in a big tech world? Sanjib Kalita, Editor-in-Chief and Rachel Morrissey, Content Producer at Money20/20 USA discuss these topics to try to give context and thoughts about the trends in 2021

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20

Rachel Morrissey, Content Producer, Money20/20 USA

Producers: Roland Bodenham, Senior Video Editor, Ascential

Sanjib Kalita, Editor-in-Chief, Money20/20

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Citi and Google recently announced the creation of the CitiPlex with GooglePay account that is a full bank account residing in the Google ecosystem. Google also announced 11 other partnerships with a variety of banks. It is one of the most significant steps of "big tech" into formal banking, and creating a seamless experience for the consumer. It is a step in the direction of the superapps popular in Asia. Luckily, we got the chance to talk to Alpesh Chokshi, Global Head of Business Development at Citi about how they approached the collaboration, why it was such a good fit, and the excitement about being involved in such an exciting endeavor.

Guest: Alpesh Chokshi, Global Head of Business Development, Citi's Global Consumer Bank.

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20

Rachel Morrissey, Producer, Money20/20

Producers: Roland Bodenham, Senior Video Editor, Ascential

Rachel Morrissey, Producer, Money20/20

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Product Development is the heart and soul of fintech. Building a better mousetrap was the point of creating products and services that addressed the needs and behaviors of modern consumers. Sometimes, it is helpful to look at that journey through the eyes of another industry, so we took the opportunity to speak with one of the best product designers we know. Melissa Pickering is the Head of Product at LEGO, with a history of designing for play. Turns out that the questions around delivering great product share common threads in every industry.

Guest: Melissa Pickering, Head of Product, LEGO Education

Hosts: Sanjib Kalita, Editor in Chief, Money20/20

Rachel Morrissey, Producer, Money20/20

Producers: Roland Bodenham, Senior Video Producer, Ascential

Sanjib Kalita, Editor-in-Chief, Money20/20

Rachel Morrissey, Producer, Money20/20

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As e-commerce has boomed, digital multi-channel payments have become a necessity, but companies want their brand on every element, including the payments experience. We spoke with Paul Anthony at Primer to learn how we can make payments less complicated and give the power of experience design back to the merchants.

Guest: Paul Anthony, Co-Founder, Primer

Hosts: Elena Mesropyan, Content Lead, Money20/20 Europe

Rachel Morrissey, Producer, Money20/20

Producers: Roland Bodenham, Senior Video Producer, Ascential

Elena Mesropyan, Content Lead, Money20/20 Europe

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As the followers of /WallStreetBets, a subReddit group, took the unprecedented action of retail investors squeezing the hedge fund shorts of GameStop stock, it set the entire world buzzing. In the process, RobinHood, an investing app and one of fintech's unicorns became inadvertently squeezed a bit as well. Due to some great investor relations, RobinHood gathered the capital to be able to keep doing business, but they were dinged a bit in the process. Some of this was their fault. Some of it wasn't. We are putting out this emergency episode with Sanjib Kalita and Rachel Morrissey discussing this from a fintech point of view and wondering whether this "crowd squeeze" means a new type of digital disruption?

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20

Rachel Morrissey, Content Producer, Money20/20USA

Producer: Roland Bodenham, Senior Video Producer, Ascential

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Understanding customer behaviors are only the beginning of the customer journey. As digital transformation has become table stakes, understanding the balance between digital and in person service is all about redefining how we look at the customers, how we look at their data, and how we plan to meet expectations. We spoke with Brandon Rembe of Envestnet to talk about what you need to plan your digital transformation.

Guests: Brandon Rembe, Senior VP of Products, Envestnet | Yodlee

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20
Rachel Morrissey, Producer, Money20/20 USA

Producers: Roland Bodenham, Senior Video Editor, Ascential
Rachel Morrissey, Producer, Money20/20 USA

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During Covid, the ability to be a digital, multi-channel, diversified business became a matter of survival for SMEs. Solving the banking issues for freelancers, entrepreneurs, and shop owners has always been about giving them tools and space to follow their dreams and passions, but now, it is about lasting and recovering. Could the push to digital have put small businesses that survive the strains of the pandemic in a stronger place than they were before? We spoke to David Rusenko, GM of E-Commerce at Square, about the shifts and providing banking to SMEs during Covid and beyond.

Guest: David Rusenko, GM of E-Commerce, Square

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20

Rachel Morrissey, Producer, Money20/20 USA

Producers: Roland Bodenham, Senior Video Editor, Ascential

Rachel Morrissey, Producer, Money20/20 USA

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Sustainability values are permeating every industry as the realities of climate change sink in. Many banks are creating earth-friendly investment funds, and firms like BlackRock Investors have announced that they will divest from all thermal coal exposure, and will take active measures to help companies that are part of their profile to go green. This is extremely appealing to younger generations who want to invest in brands and ideas that match their values. On this episode, we spoke to Andrei Cherney, CEO of Aspiration bank about programs they have to help their customers know where their money goes, and about the greater trend toward values based banking and investing.

Guest: Andrei Cherney, CEO, Aspiration Bank

Hosts: Kisha Allison, Head of Content, Money 20/20 USA

Rachel Morrissey, Producer, Money 20/20 USA

Producers: Roland Bodenham, Senior Video Producer, Ascential

Rachel Morrissey, Producer, Money 20/20 USA

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Those in fintech have long maintained that the industry would lower the barriers of inclusion, and create opportunities for building wealth. And for the last 10 years, we have collected the stories that seem to support this. But, Plaid has decided to get some actual numbers and find out whether this theory holds water. Turns out it might!

We spoke to John Pitts, Head of Policy, at Plaid about their report, which you can find right here: https://plaid.com/blog/the-fintech-effect-consumer-impact-and-a-fairer-financial-system/

Guest: John Pitts, Head of Policy, Plaid

Hosts: Sanjib Kalita, Editor-in-Chief of Money20/20
Rachel Morrissey, Content Producer, Money20/20

Producers: Roland Bodenham, Senior Video Editor, Ascential
Rachel Morrissey, Content Producer, Money 20/20
Sanjib Kalita, Editor-in-Chief, Money20/20

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In this anniversary special for RiseUp, sponsored by Western Union, we address the struggles of minority female entrepreneurs, exploring the unique struggles of intersectionality in the venture capitalist ecosystem, the positive/negative impacts of COVID this year, and the path forward. We spoke with founder Natasha Bansgopaul, DarcMatter, and VC's - Sean Park of Anthemis and Sarah Kunst of Cleo Capital.

Sponsored by Western Union and featuring Caroline Tsai, Lead Counsel, WU

Guests: Natasha Bansgopaul, Co-Founder & COO, DarcMatter
Sean Park, Founder & Chief Investment Officer, Anthemis
Sarah Kunst, Managing Director, Cleo Capital

Hosts: Fawn Hudgens, Global Head of Content, Money20/20
Kisha Allison, Head of Content, Money20/20 USA

Producers: Roland Bodenham, Senior Video Editor, Ascential
Kisha Allison, Head of Content, Money20/20 USA

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Accelerators allow startups and entrepreneurs to be a part of necessary networks- learning networks, talent development networks, and institutional relationships. Fintech Innovation Lab, established in 2009, has created an unbeatable network for enterprise startups that help companies to capitalize on their true market value. We spoke with Maria Gotsch, Co-founder of the Fintech Innovation Lab, about guiding an idea and a technology into a product, and get it ready to scale.

Apply to be in the Fintech Innovation Lab class of 2021- https://www.fintechinnovationlab.com/new-york/new-york-apply/

Guest: Maria Gotsch, Co-Founder, Fintech Innovation Lab

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20

Rachel Morrissey, Content Producer, Money20/20

Producers: Roland Bodenham, Senior Video Producer, Ascential

Sanjib Kalita, Editor-in-Chief, Money20/20

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Consumer behavior has undergone a lot of changes during the pandemic, but Black Friday is still the cornerstone of the retail world. A lot of small businesses rely on this time of year for survival, so we spoke with Howard Grosfield, Executive Vice President and General Manager- US Consumer Marketing, AMEX about what trends they are seeing and how retail can flourish despite the challenges this winter.

Guest: Howard Grosfield, Executive Vice President and General Manager- US Consumer Marketing, AMEX

Hosts: Kisha Allison, Head of Content, Money20/20 USA
Rachel Morrissey, Content Producer, Money20/20

Producers: Roland Bodenham, Senior Video Producer, Ascential
Kisha Allison, Head of Content, Money20/20 USA

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Right now, there is an assumption that the US is drastically behind in developing the open banking standards necessary to widespread adoption. The EU, with PSD2, has a strong consumer centric standard, meant to give users more privacy and control of their data and requiring banks to share the data wealth. But, open banking is growing rapidly in the US, despite the lack of a regulator led standard. We spoke with Don Cardinal and Tom Carpenter with Financial Data Exchange (FDX) who are challenging those assumptions and leading toward an industry led standard.

Guests: Don Cardinal, Managing Director, Financial Data Exchange (FDX)
Tom Carpenter, Director of Public Affairs, Financial Data Exchange (FDX)

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20
Rachel Morrissey, Content Producer, Money20/20

Producers: Roland Bodenham, Senior Video Editor, Ascential
Sanjib Kalita, Editor-in-Chief, Money20/20
Rachel Morrissey, Content Producer, Money20/20

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Guest: Cody Barbo, CEO, Trust & Will

Hosts: Monique Ruff-Bell, Event Director, Money20/20 USA
Rachel Morrissey, Content Producer, Money20/20

Producers: Roland Bodenham, Senior Video Editor, Ascential
Rachel Morrissey, Content Producer, Money20/20

Additional Information on the need to protect generational property rights and how minorities are particularly vulnerable: https://features.propublica.org/black-land-loss/heirs-property-rights-why-black-families-lose-land-south/

https://www.youtube.com/watch?v=ls3P_FicO7I

https://scholarship.law.tamu.edu/cgi/viewcontent.cgi?referer=https://www.google.com/&httpsredir=1&article=1784&context=facscholar

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The promise of 5G is a world of hyper-connectivity in real time - or as fast as our brains can process it. So, what will the convergence of AI, IOT and 5G mean for the future of financial services? We spoke with Arnold Goldberg, Chief Product Architect of Paypal and Nick Ludlum, Senior VP of Communications for CTIA about what to expect in the near future, and what to think about down the line.

Guests: Arnold Goldberg, Chief Product Architect, Paypal
Nick Ludlum, Senior VP of Communications, CTIA

Hosts: Kisha Allison, Head of Content, Money20/20 USA
Gary Dempsey, Content Lead, Money20/20 EU

Producers: Rachel Morrissey, Content Producer, Money20//20
Roland Bodenham, Senior Video Producer, Ascential

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As our industry grapples with the challenges to our business models from multiple concurrent crises, we need more help to navigate for success than ever. Utilizing the data that we have at our fingertips in new ways is more important than ever, so, we spoke to Marcia Tal, CEO of Tal Solutions, to talk about how to utilize data to lead.

Guest: Marcia Tal, CEO, Tal Solution

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20
Rachel Morrissey, Content Producer, Money20/20 USA

Producers: Sanjib Kalita, Editor-in-Chief, Money20/20
Roland Bodenham, Senior Video Editor, Ascential

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The arms race for digital currencies is on. Facebook is getting there with Novi. The People's Bank of China has central bank digital currency in trials in different cities. Both the UK Bank of England and the US Fed are looking seriously at issuing CBDC's. But what will that change for the consumer? Maybe everything. Today we discuss that with Jesse McWaters, VP of Digital Policy, MasterCard.

Guest: Jesse McWaters, VP of Digital Policy, MasterCard

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20
Gary Dempsey, Content Lead, Money20/20 Europe

Producers: Roland Bodenham, Senior Video Editor, Ascential
Gary Dempsey, Content Lead, Money20/20 Europe
Rachel Morrissey, Content Producer, Money20/20 USA

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Open Banking is coming. The hope is that as financial institutions share their data, consumer services will improve, competition will increase, and credit will be extended to more people, but is that probable, or only hoped for? Join us for a discussion with Nilixa Devlukia from Payments Solved and Hakan Eroglu for Mastercard Advisors.

Guests: Nilixa Devlukia, Payments Solved
Hakan Eroglu, MasterCard Advisors

Hosts: Gary Dempsey, Content Lead, Money20/20 EU
Will Haskins, Content Director, Money20/20 Asia

Producer: Roland Bodenham, Senior Video Editor, Ascential
Rachel Morrissey, Content Producer, Money20/20

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Financial Services for Small Business hasn't often had a happy ending, but fortunes for that sector are changing. In the third part of our series, we explore how data is being woven into financial services gold, solving the Goldilocks paradigm, and partnering with the awakened Sleeping Beauty to foster success in the kingdom of SMBs.

Guests: Judith Rinearson, Partner, K&L Gates
Puneet Dixit, Partner, McKinsey & Company
Eyal Lifshitz, Founder & CEO, BlueVine
Luke Voiles, VP & Business Leader, Quickbooks Capital, Intuit
Sean Hunter, Chief Information Officer, OakNorth

Hosts: Sanjib Kalita, Editor in Chief, Money20/20
Rachel Morrissey, Content Producer, Money20/20 USA

Producers: Roland Bodenham, Senior Video Editor, Ascential
Sanjib Kalita, Editor-in-Chief, Money20/20
Rachel Morrissey, Content Producer, Money20/20 USA

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The economic crisis has been met with a tremendous response by banks and fintechs in the lending space. In this episode, we look at the great efforts around PPP. What secrets have the lenders unearthed? Will they lead the financial recovery and become a force that small business can rely on? And how are they turning raw data into financial services gold? This is part 2 of a 3 part series.

Hosts: Sanjib Kalita, Editor in Chief, Money20/20
Kisha Allison, Head of Content, Money20/20 USA

Producers: Roland Bodenham, Senior Video Editor, Ascential
Rachel Morrissey, Content Producer, Money20/20 USA

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The pandemic has brought the importance of SME/SMBs as economic engines to the forefront. But even before Covid, this sector was getting much needed attention. We are doing a three-part series exploring why SMB/SME banking was one of the last markets that innovators have tackled, what PPP and other efforts have brought to bear, and what we can expect in the near future.

Guests: Dan Van Dyke, Analyst, Business Insider
Judith Rinearson, Partner, K&L Gates
Puneet Dikshit, Partner, McKinsey & Company

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20
Rachel Morrissey, Content Producer, Money20/20 USA

Producers: Roland Bodenham, Senior Video Editor, Ascential
Rachel Morrissey, Content Producer, Money20/20 USA

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The art of hiring can make all the difference to how fast and well a company grows. And different phases require different talent focus. Do you need a generalist or a specialist? Can you honestly assess what needs you have? We spoke with Catherine Casuga, Operating Partner at Khosla Ventures about the secrets of making the right hires at the right time.

Guest: Catherine Casuga, Operating Partner, Khosla Ventures

Hosts: Elena Mesropyan, Content Lead, Money20/20 Europe
Rachel Morrissey, Content Producer, Money20/20

Producers: Roland Bodenham, Senior Video Producer, Ascential
Elena Mesropyan, Content Lead, Money20/20 Europe
Rachel Morrissey, Content Producer, Money20/20

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Mobile banking has changed the understanding of what defines a bank, and financial health has become the new buzz-word. Many believe that technology enables banks to become advocates for their customers, encouraging financial habits that build financial health and wealth. That is the next frontier for CRM, but are we all on board? We spoke to Jody Bhagat, President of the Americas at Personetics, about how tech is going to raise the table stakes of what every customer can expect from their financial institutions.

Guest: Jody Bhagat, President of the Americas, Personetics

Host: Sanjib Kalita, Editor-in-Chief, Money20/20
Elena Mesropyan, Content Lead, Money20/20

Producers: Rachel Morrissey, Content Producer, Money20/20
Roland Bodenham, Senior Video Editor, Ascential

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Covid has accelerated digitization, but it has also revealed that it means more than building digital features and functions. Truly smart digital transformation starts with considering the true customer journey. We spoke with Liz High, VP of Strategy and Insight at Metia Inc, about their research and recommendations about having the CMO being a major decision maker.

Guest: Liz High, VP of Strategy and Insight, Metia

Hosts: Kisha Allison, Head of Content, Money20/20 USA

Rachel Morrissey, Content Producer, Money20/20 USA

Producers: Roland Bodenham, Senior Video Producer, Ascential

Rachel Morrissey, Content Producer, Money20/20

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Under the leadership of Brian Brooks, the Acting Comptroller of the OCC, there is new energy. We spoke to Mr. Brooks about the approval of Varo Money's national bank charter, the OCC announcement on crypto assets, and his plans to help banks create more financial inclusion.

Guest: Brian Brooks, Acting Comptroller of the Currency, OCC

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20
Rachel Morrissey, Content Producer, Money20/20

Producers: Roland Bodenham, Senior Video Editor, Ascential
Rachel Morrissey, Content Producer, Money20/20
Sanjib Kalita, Editor-in-Chief, Money20/20

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Financial literacy can make a huge difference in a person's future, and the trend is to start earlier and earlier. Teen finance is hot right now. So, why would an entrepreneur with vast experience in children's education and first hand knowledge of underserved communities and wide market opportunities have a difficult time finding VC funds? We spoke to Tanya Van Court, Founder and CEO of Goalsetter, a family-oriented savings/spending/ and learning app about the trends in teen finance and the struggles of being a minority entrepreneur.

Guest: Tanya Van Court, Founder and CEO of Goalsetter

Hosts: Kisha Allison, Head of Content, Money20/20 USA

Rachel Morrissey, Content Producer, Money20/20 USA

Producers: Roland Bodenham, Senior Video Editor, Ascential

Rachel Morrissey, Content Producer, Money20/20

Kisha Allison, Head of Content, Money20/20 USA

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Facebook's Libra may have grabbed the headlines, but the true leaders in Central Bank issued digital currencies are in Asia. China looks like the 800 lb gorilla in the arena, but they are not alone. Japan, Singapore, Thailand, and Cambodia have all begun to develop and experiment with wholesale and retail CBDCs. In this episode, Will Haskins and Sanjib Kalita had a chance to talk to Henri Arslanian about this race for viability and broad acceptance.

Guests: Henri Arslanian, PwC FinTech & Crypto Global Leader; Chair of the FinTech Association of Hong Kong; Adjunct Associate Professor at the University of Hong Kong

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20

Will Haskins, Asia Content Director, Money20/20

Producers: Roland Bodenham, Senior Video Producer, Ascential

Will Haskins, Asia Content Director, Money20/20

Rachel Morrissey, Content Producer, Money20/20

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With the systemic inequalities within financial services and fintech, Money20/20 is launching their "Do Better Together" campaign to highlight perspectives that will challenge us to think differently and help us change our industry and their internal structures for the better. We want to help be a catalyst for unprecedented industry growth and inclusivity.

We spoke with Louise Pentland, Executive Vice President, Chief Business Affairs and Legal Officer at PayPal; Ann Cairns, Executive Vice Chairman, and Randall Tucker, Chief Inclusion Officer at MasterCard; and Madonna Badger, Chief Creative Officer and Co-Founder of Badger & Winters. to ask about strategies that we can all learn from to increase the diversity and strengthen our industry.

We invite you all to join us in a pledge to to advance change by doing one of the following:
Commit to external and internal changes that matter
Tell us how you’re closing the pay gap
Make plans to diversify your C-Suite and Board
Implement changes in recruitment practices/pipeline-building - ensuring more women and people of color are on the ladder for leadership positions
Be visibly inspirational and informational

Guests:

Louise Pentland, Executive Vice President, Chief Business Affairs and Legal Officer at PayPal

Ann Cairns, Executive Vice Chairman, MasterCard

Randall Tucker, Chief Inclusion Officer at MasterCard

Madonna Badger, Chief Creative Officer and Co-Founder of Badger & Winters.

Hosts:

Fawn Hudgens, VP, Global Content, Money20/20

Monique Ruff-Bell, Event Director, Money20/20 USA

Producers:

Roland Bodenham, Senior Video Producer, Ascential

Fawn Hudgens, VP, Global Content, Money20/20

Monique Ruff-Bell, Event Director, Money20/20 USA

Kisha Allison, Head of Content, Money20/20 USA

Rachel Morrissey, Content Producer, Money20/20

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Guest: Jesse McWaters, VP of Digital Policy, MasterCard

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20

Gary Dempsey, Content Lead, Money20/20 Europe

Producers: Roland Bodenham, Senior Video Editor, Ascential

Gary Dempsey, Content Lead, Money20/20 Europe

Rachel Morrissey, Content Producer, Money20/20 USA

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Data is the "new oil" that fuels tech innovation. But who owns that data is at the center of several court cases involving all the major platforms- Facebook, Amazon, Apple, Google, and Microsoft. Sometimes, for the underdogs to innovate, they need to fight for the rights to the data, but they risk being outspent and outlasted by those with bottomless pockets. Today, we talk with Greg Kidd about fighting for the data to innovate, who really owns the data, and whether monopolies, real or virtual, are hurting innovation in the US fintech space.

Guest: Greg Kidd, CEO of globaliD and Hard Yaka Ventures

Hosts: Sanjib Kalita, Editor-in- Chief, Money20/20

Rachel Morrissey, Content Producer, Money20/20 USA

Producers: Roland Bodenham, Senior Video Editor, Ascential
Rachel Morrissey, Content Producer, Money20/20 USA

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How does one condense 45 years of technological evolution into 6 years? Only one nation in the world has done it, effectively making identity a constitutional right. Today, Aadhaar and UPI are the blueprint for achieving universal inclusion and access to financial services. But how does one go about designing and building a system of such scale, counting users not in millions but billions? We spoke to Pramod Varma, the Chief Architect of Aadhaar and UPI, to discuss the thinking behind redesigning a digital economy.

Guest: Pramod Varma, Chief Architect, Aadhaar, Architect, IndiaStack

Hosts: Rachel Morrissey, Content Producer, Money20/20 USA

Elena Mesropyan, Content Lead, Money20/20 Europe

Producers: Roland Bodenham, Senior Video Editor, Ascential

Rachel Morrissey, Content Producer, Money20/20 USA

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In this episode, we share an episode from our sister brand- Cannes Lions' podcast "Progress through Creativity".

Bozoma Saint John is quoted as saying “None of us will have any impact or influence if we are quiet. So don’t be quiet. Be loud as hell.” In a week where global demonstrations have taken place against police brutality and racial inequality that sentiment feels as vital now as it has ever been. Bozoma talks frankly about the position brands are taking during this time, how they can authentically support social causes and whether they even should if their own business doesn’t walk the walk.

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While the entire economy has been impacted by COVID-19, small business has taken a particularly big hit. As small businesses try to access funding to stay afloat, we need to reexamine what we are measuring and what new data that may give us a better financial picture. This week we spoke to Greg Ott, CEO of Nav, Melissa Koide, CEO and Kelly Cochran, Deputy Director, at FinRegLab about their experiences and research that point to better data around SMBs

Guests: Greg Ott, CEO, Nav

Melissa Koide, CEO, FinRegLab

Kelly Cochran, Deputy Director, FinRegLab

Hosts: Sanjib Kalita, Editor in Chief, Money20/20

Rachel Morrissey, Content Producer, Money20/20

Producers: Roland Bodenham, Senior Video Editor, Ascential

Rachel Morrissey, Content Producer, Money20/20

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Created in 1964, the Employee Stock Purchase Plan was the original financial worker benefit in the US.. But over time, due to shrinking real wages and different benefits taking the forefront, most employees have found it difficult to participate, leaving them out of the good fortunes of their companies and increasing the gap between employee ranks. But if we could increase participation as we rebuild, could we align all the stakeholders in a company and create an economy where so many don't live on the edge? We spoke to Aaron Shapiro, Founder at Carver Edison (https://www.carveredison.com/ ), who has found a tech solution that might be able to restore the use of ESPP.

Guest: Aaron Shapiro, Founder, Carver Edison

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20

Rachel Morrissey, Content Producer, Money20/20 USA

Producers: Roland Bodenham, Senior Video Editor, Ascential

Rachel Morrissey, Content Producer, Money20/20 USA

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As big tech and social platforms enter the financial services space, banks and tech could be vying for the same customers. But while social media platforms have a record of personalization, there are new questions of trust and whether finance and social mix. And banks may have an advantage in being specialized. We spoke with Sheila Kagan, the CEO of PayKey about the new dynamic between financial institutions and tech companies, and how a startup can find a place in the ecosystem.

Guest: Sheila Kagan, CEO, PayKey

Hosts: Elena Mesropyan, Content Lead, Money20/20 Europe

Rachel Morrissey, Content Producer, Money20/20 USA

Producers: Roland Bodenham, Senior Video Editor, Ascential

Rachel Morrissey, Content Producer, Money20/20 USA

Elena Mesropyan, Content Lead, Money20/20 Europe

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"Go digital or die" - the first lesson of the lockdowns. Financial Institutions that avoided or put off digitization have had to take quick steps like moving services to the cloud. But fast transformations threaten processes accompanying change. And new processes challenge traditional cultures and hierarchies from financial services. We spoke with Mike Walters, Chief Product Officer, Form3, to discuss technological and cultural transformation as financial services moves to the cloud.

Guest: Mike Walters, Chief Product Officer, Form3

Hosts: Gary Dempsey, Content Lead, Money20/20 Europe

Rachel Morrissey, Content Producer, Money20/20 USA

Producers: Roland Bodenham, Senior Video Producer, Ascential

Rachel Morrissey, Content Producer, Money20/20 USA

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Challenger banks are reporting record signups. Contactless Payments has become a cultural buzzword. The covid-19 pandemic looked like a crisis that fintech was meant to thrive in. But like all industries, investment money is becoming more scarce, and any crowded spaces are about to be thinned. Today, we are joined by Dushyant Sharawat of Rosenblatt Securities for a look at six fintech sectors, and what conditions each can expect to face as we endure the Covid tempest.

Guest: Dushyant Sharawat, Director, Strategic Insights & Advisory - Fintech Investment Banking, Rosenblatt Securities

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20
Rachel Morrissey, Content Producer, Money20/20 USA

Producer: Roland Bodenham, Senior Video Editor, Ascential
Rachel Morrissey, Content Producer, Money20/20 USA

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It takes sixty-six to create a new habit or change a behavior. As the lockdowns continue, consumers have been forced to adopt technology much faster. Grocery store online ordering has skyrocketed, with 41% first time customers. As the economy re-opens, will these behaviors stick? As the virus has hit globally, over 170 countries are facing recessions. With shrinking budgets and worries, consumers are being incredibly practical and careful. A compelling digital presence is now essential in the post-covid world, and those that look at these problems early will have the best chance of claiming a share of a shrinking market. Those that recognize this as an opportunity to reshape their channels, reimagine their offerings, and reposition their business by reallocating for digital transformation and success will be the ones to thrive.

Link to report: https://www.worldretailcongress.com/__media/files/Congress-content/ISSUE-TWO---RETAILING-IN-A-TIME-OF-CRISIS.pdf

Guest: Ian McGarrigle, Chairman, World Retail Congress

Hosts: Monique Ruff-Bell, Events Director, Money20/20 USA

Sophie Wawro, Events Director, Money20/20 Europe

Producers: Roland Bodenham, Senior Video Editor, Ascential

Rachel Morrissey, Content Producer, USA

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"I want to enter more passwords and fill out more forms!", said no one ever. We repeat the same actions - log in and pay - daily across countless platforms. No matter how simple, they are a roadblock on the path to purchase. Today, we look at major types of players in the market and talk about who might be best positioned to build and run a unified identity and payment layer across the web.

Guest: Domm Holland, Founder & CEO, Fast

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20

Elena Mesropyan, Content Lead, Money20/20 Europe

Producers: Roland Bodenham, Senior Video Editor, Ascential

Elena Mesropyan, Content Lead, Money20/20 Europe

Rachel Morrissey, Content Producer, Money20/20 USA

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Asia, one of the most dynamic regions of fintech innovation, is experiencing a bumper crop of virtual banks. Hong Kong and Singapore will issue banking licenses several virtual banks. These new players attempt to balance simplicity and engagement to drive growth. We uncover strategies that these new banks employ to create trust, facilitate customer service, and navigate rapid customer behavior shifts due to Covid-19.

Guests:
Dennis Khoo, MD of TMRW by UOB
Ken Lo, founding member, ZA Bank

Hosts:

Sanjib Kalita, Editor in Chief, Money20/20
Fred Pi, Content Producer, Money20/20 Asia

Producers: Roland Bodenham, Senior Video Producer, Ascential
Fred Pi, Content Producer, Money20/20 Asia
Rachel Morrissey, Content Producer, Money 20/20 USA

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The abrupt transition to remote work has stretched company security parameters, and scammers, hackers, and other criminals are preying on the situation.
Today, we look at the compromises that companies have had to make, the new priorities that they will take on for a post-covid working environment, and strategies that can be employed to keep sensitive information safe.

Guests: Andrew Renshaw, VP of Banking Solutions, Feedzai
Anil Markose, Executive VP & Digital Risk Analyst, Booz Allen Hamilton

Hosts: Kisha Allison, Head of Content, Money20/20 USA
Rachel Morrissey, Content Producer, Money20/20 USA

Producers: Roland Bodenham, Senior Video Editor, Ascential
Rachel Morrissey, Content Producer, Money20/20 USA

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Cannabis and Banking are like oil and water - one on the edge of legality, the other, one of the most regulated industries on the planet. Currently, any financial institution that banks cannabis is at the whims of their regulator relationship. The SAFE Banking Act, which strives to make banking the cannabis industry less risky, has passed the House of Representatives and is before the Senate Banking Committee. Even if this legislation becomes law, cannabis financial services will still be an underserved sector.

Guest: Tyler Beuerlein, Chief Revenue Officer, Hypur and Chairman of the NCIA Banking & Financial Services Comm.

Hosts: Sanjib Kalita, Editor in Chief, Money 20/20

Rachel Morrissey, Content Producer, Money 20/20 USA

Producers: Roland Bodenham, Senior Video Producer, Ascential

Rachel Morrissey, Content Producer, Money 20/20 USA

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While government relief efforts in response to COVID-19 have been massive, they’ve overlooked the millions of people that are self-employed. In these unprecedented times, the fintech community in the UK has come together to address this population desperately in need of support. The community, which includes Credit Kudos and Fronted, used open banking to allow quick, smart, and easy verification of self-employed wage loss, potentially saving months of delay. This is a story of a community coalescing to combat the Covid-19 crisis

Guests: Freddy Kelly, CEO, Credit Kudos

Jamie Campbell, Co-Founder, Fronted

Hosts: Sanjib Kalita, Editor-in-Chief, Money 20/20

Gary Dempsey, Content Lead, Money 20/20 Europe

Producers: Roland Bodenham, Senior Video Editor, Ascential

Rachel Morrissey, Content Producer, Money 20/20 USA

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Covid-19 is a health crisis that is quickly becoming an economic tsunami. The unemployment applications have reached an unprecedented, previously unimagined high, in only two weeks. Several banks and fintechs are stepping up to stave off the worst and help preserve the workforce. We spoke to WaFed's CEO, Brent Beardsall and Derik Sutton, CEO of Autobooks about different efforts and strategies they are implementing to try to help the keep the workforce in place.

Guests: Brent Beardsall, CEO, WaFed

Derik Sutton, CEO, Autobooks

Hosts: Kisha Allison, Head of Content, Money 20/20 USA

Rachel Morrissey, Content Producer, Money 20/20 USA

Producers: Roland Bodenham, Senior Video Producer, Ascential

Rachel Morrissey, Content Producer, Money 20/20 USA

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The challenges of COVID-19 present opportunities to innovate and confront complex issues. Where do individual rights end and societal protection begin? What are the tradeoffs between privacy and national security when literally millions of lives are at risk? Thankfully, we don’t have to make that choice. Riddhiman Das, founder of Triple Blind, has created technology that preserves privacy while still enabling appropriate actions based on data and algorithms that remain encrypted. On the treatment side of the COVID-19 equation, we explored another exciting initiative with Mike Froman, from Mastercard. The Mastercard Impact Fund is teaming with the Gates Foundation and Wellcome, to create the COVID-19 Therapeutics Accelerator, focused on finding treatments and vaccines.

Guests: Michael Froman, Chairman of the Board, Center for Inclusive Growth, Mastercard

Riddhiman Das, Founder, EyeVerify and Triple Blind

Hosts: Sanjib Kalita, Editor-in-Chief, Money 20/20

Rachel Morrissey, Content Producer, Money 20/20 USA

Producers: Roland Bodenham, Senior Video Editor, Ascential
Rachel Morrissey, Content Producer, Money 20/20 USA

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While remote working increased through the years, COVID-19 has accelerated adoption to previously impossible heights. But there are many challenges to running and being part of virtual teams- including increased security risks, a sense of isolation, difficulty in building camaraderie, and building motivational strategies. This week, our team discusses strategies to deal with these challenges and how to turn them to your advantage.

Hosts: Sanjib Kalita, Money 20/20, Editor-in-Chief

Monique Ruff-Bell, Event Director, Money 20/20 USA

Sophie Wawro, Event Director, Money 20/20 Europe

Producers: Roland Bodenham, Senior Video Editor, Ascential

Rachel Morrissey, Content Producer, Money 20/20 USA

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Until recently, M&A bankers were like cooks in the kitchen cooking up hotter and hotter deals. With recent deals like Visa buying Plaid, Intuit buying Credit Karma, and Lending Club buying Radius Bank, many anticipated a banner year of deals that would be a prime force to reshape the industry. But COVID-19 forced the cooks out of the kitchen and cooled down formerly red hot valuations. Now, as we are socially distancing, we are looking at the earlier deals, and project what the kitchen will be like the rest of the year.

Guests: Ryan Falvey, Partner, Financial Ventures Studio

Tyler Griffin, Partner, Financial Ventures Studio

Hosts: Sanjib Kalita, Editor-in-Chief, Money 20/20

Rachel Morrissey, Content Producer, Money 20/20 USA

Producers: Roland Bodenham, Senior Video Producer, Ascential

Rachel Morrissey, Content Producer, Money 20/20 USA

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Small business banking, particularly credit access, is ripe for innovation. The COVID-19 crisis highlights the vital economic role of small business. While small & medium businesses provide paychecks for 50% of the US workforce, only 28% get approved for bank loans. But new technologies and alternative data sources are helping will this market gap. On today's show, we talk to Adam Stettner, CEO and Founder of Reliant Funding, about a new model that could help small businesses weather economic storms.

Guest: Adam Stettner, CEO and Founder, Reliant Funding

Hosts: Sanjib Kalita, Editor-in-Chief, Money 20/20

Rachel Morrissey, Content Producer, Money 20/20 USA

Producers: Roland Bodenham, Senior Video Editor, Ascential Media

Rachel Morrissey, Content Producer, Money 20/20

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Today- we are releasing an extra episode of The MoneyPot with Sanjib Kalita, Editor in Chief of Money 20/20 and Rachel Morrissey, Content Producer at Money 20/20 discuss a variety of immediate and possible effects of the pandemic.

In this we discuss the following:

What capital markets are showing us about funding in general
Flight to Quality- Where the money will go
Retail Apocalypse
Launder your money (because it is crawling in pathogens) and contactless payments
Neither a Borrower or a Lender Be... the perils of debt, borrowing money, and not borrowing money.
Regulators can be heroes! (If we let them)

7. Freaky Friday for Banks and Tech. In 2008, banks were in crisis and tech was going to be the helping hand. But the banks books are healthier, and it might be their turn.

Produced by Roland Bodenham, Senior Video Editor, Ascential Media
Rachel Morrissey, Content Producer, Money 20/20
Sanjib Kalita, Editor in Chief, Money 20/20

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Venture capital is pouring into African markets and over 60% of all investments are in fintech. While the main driver for most investment is financial inclusion, it is important to understand that Africa isn't a single market. It is several markets, with vast cultural differences and over 3,000 languages. And the fintech ecosystems are developed on completely different technologies than Asian or LATAM markets. We talked to Johan Bosini and Kofo Agbage from Quona Capital about what investors need to know to enter the VC scene and when and where the innovation is growing fastest.

GUESTS: Kofo Agbage, Investment Associate, Quona Capital
Johan Bosini, Partner, Quona Capital

Hosts: Sanjib Kalita, Senior Editor, Money 20/20
Kisha Allison, Head of Content, Money 20/20 USA

Producers: Rachel Morrissey, Content Producer, Money 20/20 USA
Roland Bodenham, Senior Video Producer, Ascential

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Sustainability is more than the latest buzz word. It is a value that is permeating every industry as the realities of climate change are becoming more apparent. In financial services, new questions around how sustainability should affect our spending and investing are making deep inroads. Many banks are creating earth-friendly investment funds, and firms like BlackRock Investors have announced that they will divest from all thermal coal exposure, and will take active measures to help companies that are part of their profile to go green. This is extremely appealing to younger generations who want to invest in brands and ideas that match their values. On this episode, we spoke to Andrei Cherney, CEO of Aspiration bank about programs they have to help their customers know where their money goes, and about the greater trend toward values based banking and investing.

Guest: Andrei Cherney, CEO, Aspiration Bank

Hosts: Kisha Allison, Head of Content, Money 20/20 USA, Rachel Morrissey, Producer, Money 20/20 USA

Producers: Roland Bodenham, Senior Video Producer, Ascential, Rachel Morrissey, Producer, Money 20/20 USA

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Women of the millennial generation are all about taking control. They entered the job market, saddled with debt, and in the shadow of the financial crisis. In order to make finance less scary, they share and use a memetic code to communicate. Financial Services that understand that code could truly connect with younger customers in powerful ways.

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Fintech's altruistic side has been best captured in financial inclusion- understanding the needs and desires of underserved communities. But, lately there is a new focus on Financial Health. The middle class is being squeezed. It has always been expensive to be poor. Now it is expensive to be an American. This episode is all about fostering the solutions to the middle class crunch and why VC's are looking at solutions to promote health as much as inclusion.

Guest - Arjan Shutte, Managing Partner and Founder, Core Innovation Capital

Hosts: Sanjib Kalita, Senior Editor, Money 20/20, Sabina Osorio, Head of Marketing, Money 20/20 USA

Producers: Roland Bodenham, Senior Video Producer, Ascential

Rachel Morrissey, Content Producer, Money 20/20

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India has become the place where major companies create new products and the Indian markets are the test cases. It has become so prominent that Jeff Bezos called the 21st Century the Indian Century. Due to an incredibly affordable payment rails, policy that has pushed and pulled towards a digitalized economy, and a young, optimistic, increasingly educated population, India's fintech sector is leapfrogging legacy technologies and providing road maps for western markets.

Guest: Melissa Frakman, Founder & Managing Partner, EMVC (Emphasis Ventures)
Melissa brings 15 years of experience participating in India's digital revolution to bridge the worlds for entrepreneurs and companies. She has been an advisor to companies including Amazon and Remitly as well as a guest lecturer
on India’s financial sector at Harvard Business School, Cornell Johnson School of Management,
New York University Stern School of Business, and Copenhagen Business School

Sanjib Kalita, Editor in Chief, Money 20/20

Hosts: Monique Ruff-Bell, Event Director, Money 20/20 USA, Kisha Allison, Head of Content Money 20/20 USA

Producers: Roland Bodenham, Senior Video Editor, Ascential and Rachel Morrissey, Content Producer, Money 20/20 USA

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Facebook has organically been a place for commerce from its beginnings, and you have been able to pay for goods and services on Facebook for years. With the launch of Facebook Pay, the goal is to connect the entire Facebook universe- Facebook, Instagram and WhatsApp- uniting the 4 most popular mobile apps into a single money exchange/payments platform that starts with 2 billion users- a third of the human population- across all nationalities.

Today we are exploring the evolution of Facebook Pay. We are featuring talks from Deborah Liu, VP of Marketplace & Commerce, Facebook and Mary Ku, Product DIrector, Facebook.

Hosts and Producers:

Roland Bodenham, Senior Video Producer, Ascential

Rachel Morrissey, Content Producer, Money 20/20 USA

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As Money20/20 looks to next year, we have some ideas about the trends, topics, and expectations that 2020 will bring to the industry. 2020 is going to be a year of acquisitions, rebundling and big tech. In fact, it has already begun! Challenger banks have been making strides in customer acquisition but have struggled to create profitable business models. Meanwhile, the big tech companies are coming: Google is partnering with Citibank, Apple is offering credit, Facebook just launched Facebook Pay and is working to develop Calibra, and Uber has created its own money accounts to enhance driver loyalty. It’s clear that established players are branching out to bring banking services into their portfolios. Take Wealthfront and Betterment for example, established as investing firms utilizing AI they have launched into the checking and savings account space. Loan giant SoFi keeps expanding, creating hybrid accounts and most recently obtaining a BitLicense to offer crypto trading to its customers.
Will challenger banks be able to keep afloat in the market? Will they be acquired? And as the great rebundling begins, will it be banks vs. tech or banks partnering with tech?

Guest: Theo Priestley,

Host: Kisha Allison, Head of Content, Money 20/20, Rachel Morrissey

Producers: Roland Bodenham, Rachel Morrissey

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The global financial system is broken. It has to run on so many rails, that it suffers from severe inefficiencies, incongruency, and higher costs. With 2-3 billion financially underserved people, the need to create smoother rails that would lower costs and make banking simpler and more affordable was once a pipe dream. But with the promise of a huge market opportunity, the hopes of enabling a smoother and more equitable financial system, and the technology available to make, what was once only imagined, possible, the race is on to see who will re-design the system first! Today, we speak with Shamir Karkal, Founder of Sila, about why the race is already on!

Guest: Shamir Karkal, Founder of Sila

Producers: Roland Bodenham, Senior Video Producer, Ascential

Rachel Morrissey, Content Producer, Money20/20 USA

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20

Monique Ruff-Bell, Event Director, Money20/20 USA

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Fresh from our post conference hiatus, we are back, producing fresh content and sharing some of the more pertinent moments from our stages! And now we are weekly and global!

During the Money 20/20 conference, there was a lot of chatter about stablecoins and Facebook's Calibra project and we couldn't wait to share with you some of the insights.
First, you will hear from Shamir Karkal's (Founder, Sila) presentation, “3 Predictions and a Bet “, about why a project like Calibra is necessary, inevitable and finally, possible!
Next, you hear from a panel with Rachel Mayer (Director of Product, Circle) and John Muller (Head of Legal, Calibra) about why stablecoins are edging out earlier cryptocurrencies and how they can disrupt the problems more than they disrupt the whole system. They also outline the early goals of the Libra Association and the Calibra project.
And lastly, we give you a taste of the mainstage session with Money 20/20’s Scarlett Sieber and David Marcus, (Head of Facebook Messenger. the Head of the controversial and exciting Calibra project at Facebook. David explains why Facebook is the organization to take on a project this size, and why trusting Facebook isn't the real question.

We hope you enjoy a taste of the conference and we will return with a regular episode next week!

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Challenger Banks have been on the move. Often cited as a sector with tremendous potential, they have shaken up how the industry views banking. This week, we learn about Grasshopper Bank, a Challenger Bank that is challenging the business models of Challenger Banks by getting its own bank charter rather than partnership. Also the first charter for an all digital bank, this venture bank is itself a startup venture. Prepare to have your beliefs challenged and the status quo upended in this episode.

Guest: Judith Erwin, CEO, Grasshopper Bank]

Hosts: Scarlett Sieber and Sanjib Kalita

Producers: Roland Bodenham and Rachel Morrissey

The MoneyPot: Recent Episodes

Rachel Morrissey, Roland Bodenham, Sanjib Kalita,