Humans of Fintech: Recent Episodes
Nicole Casperson, a Workweek friend
Have you ever felt like an outsider? You’re not alone. The world of fintech is dominated by the same old voices, drowning out the stories of diverse founders and leaders.
Humans of Fintech changes that. This season we’re bringing you stories of diverse leaders who were once outsiders, and how they since found belonging in our industry. You’ll learn how they became the inspiring fintech operators they are today and what they’re working on right now.
Hosted by Nicole Casperson, journalist and founder of the WTFintech? newsletter. The show shines a spotlight on those voices underrepresented in fintech, particularly women and people of color. Every one of them took the path less traveled, and embodies what fintech is supposed to be: An alternative version of finance, powered by a new model that gives equal access to everyone.
Nicole deep dives into the minds of world-class guests like Shruti Joshi of Facet Wealth, Henry Yoshida of Rocket Dollar, and Jean Smart of Penelope.
In every interview Nicole’s guest will share their story of feeling like an outsider and the specific challenges they faced making progress in their career. You’ll hear the a-ha moment they found connection in the industry,, and how they’re moving the dial when it comes to re-shaping fintech for the better.
If you’ve ever felt isolated, or that your perspective just hasn’t been heard before, Humans of Fintech is here to challenge that.
Season 2 drops on May 4th with new episodes every Wednesday. Make sure to subscribe wherever you get your podcasts.
And if you’ve enjoyed Humans of Fintech, why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
What does the future of embedded finance look like in countries experiencing a financial revolution, with cultural norms so different from our own? General Manager to Helix, Ahon Sarkar, chats with Humans of Fintech host Nicole Casperson about the homogeneity of cultural spending across the world, including the rising appetite for greater access to wealth management in India, South Korea, and India. Plus, Ahon and Nicole discuss the challenges niche embedded finance companies face in creating a sustainable business model and generate a few potential solutions to solve the drop-off problem. 0:00 Intro 7:10 Nerd Moments in Taiwan 11:10 Cultural Differences 16:20 Niche Play and Adjacencies 22:51 Survival of the Fittest 32:41 International Embedded Finance 40:00 Intraregional Cooperation 44:10 Fintech’s Future Follow Ahon: LinkedIn: https://www.linkedin.com/in/ahonsarkar/ Follow Nicole: LinkedIn: linkedin.com/in/nicole-casperson-0820a5133/ Twitter: https://twitter.com/nicolecasperson And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech Thank you so much! You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/ And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
We get it, we get it. When you hear the word “OnlyFans,” feminism isn’t exactly the first word that comes to mind.
Keily Blair, CEO of OnlyFans, is here to explain why it should.
In this live event, she and Nicole discuss the implications of fintech being a predominantly male industry and why the inclusion of women throughout the design process is so important. Then, Keily explains how OnlyFans is ensuring that women have an equal seat at the table, from the C-Suite down and how the $250 billion creator economy is presenting new challenges to the way we think about traditional finance.
Trust us, when we say that this episode is a fascinating ride!
Follow Keily:
LinkedIn: https://www.linkedin.com/in/keilyblair/
Follow Nicole:
LinkedIn: linkedin.com/in/nicole-casperson-0820a5133/
Twitter: https://twitter.com/nicolecasperson
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech
Thank you so much!
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
How much money do you need to have a child? What, exactly, should your finances look like before you consider buying a house? How much should you save for a wedding?
You shouldn’t have to pay $1000 or more to find out the answers to these questions from a financial planner— and Emily Luk, CEO and Co-Founder of Plenty, has designed the first platform designed with couples' finances in mind.
She and Nicole chat about the current state of wealth management for couples and how, with over 65% of millennial couples partnering up, it’s more relevant than ever before. Emily explains her journey to developing Plenty and what she hopes will be the start of greater access to wealth management planning for demographics of all kinds.
Get Early Access to Plenty:
https://www.withplenty.com
Follow Emily:
LinkedIn: https://www.linkedin.com/in/emilylukca/
Follow Nicole:
LinkedIn: linkedin.com/in/nicole-casperson-0820a5133/
Twitter: https://twitter.com/nicolecasperson
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech
Thank you so much!
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
In this live event, Nicole sits down with Tracey Davies (President of Money20/20) and Scarlett Sieber (Chief Strategy and Growth Officer at Money20/20) to talk about their unique experiences within the fintech industry.
What are the gaps in diversity and inclusion they’ve been witness to, and what are they doing to ensure their platform is used to progress the industry forward?
Nicole also chats with Scarlett and Tracey about why having a psychological safety net at work helps companies to take advantageous risks and why the cult of perfection stops companies from doing more than they’re capable of.
Plus, how is Tracey’s organization, RiseUp, helping women in fintech to develop broader professional networks? You want to miss this empowering chat!
Follow Tracey:
LinkedIn: https://www.linkedin.com/in/traceyd/?originalSubdomain=uk
Follow Scarlett:
LinkedIn: https://www.linkedin.com/in/scarlettsieber/
Follow Nicole:
LinkedIn: linkedin.com/in/nicole-casperson-0820a5133/
Twitter: https://twitter.com/nicolecasperson
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech
Thank you so much!
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
On today’s pod, Nicole and guest speaker, Katie Perry, GM of B2B for the fintech app Public, are breaking down the biggest misconceptions surrounding B2C in fintech.
Is B2C in Fintech still alive and thriving? What are the advantages of having a diversified perspective in the fintech market? And how can we build a better industry by encouraging women to break down barriers and fill leadership positions within the B2C community?
Plus, find out how Public is aiming to make investing more accessible by providing education and context to empower their users to make more informed decisions.
Follow Katie:
LinkedIn: https://www.linkedin.com/in/katherineperry/
Twitter: https://twitter.com/katieeperry?lang=en
Follow Nicole:
LinkedIn: linkedin.com/in/nicole-casperson-0820a5133/
Twitter: https://twitter.com/nicolecasperson
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech
Thank you so much!
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
Did you know that studies show female-founded startups yield higher profits and sell a year earlier than male-founded companies?
In this live event, Nicole speaks with CNBC Senior Correspondent Julia Boorstin about her latest book, “When Women Lead.”
Julia’s book covers groundbreaking and deeply researched studies revealing the common characteristics that help top female leaders thrive in the workplace, and she’s breaking them down live.
Then, stay tuned for a round of audience-fielded questions.
Buy Julia’s Book, “When Women Lead”:
https://www.amazon.com/exec/obidos/ASIN/1982168218
Follow Julia:
www.juliaboorstin.com
LinkedIn: https://www.linkedin.com/in/juliaboorstin/
Follow Nicole:
LinkedIn: linkedin.com/in/nicole-casperson-0820a5133/
Twitter: https://twitter.com/nicolecasperson
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech
Thank you so much!
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
How can we account for the messiness of human beings when designing fintech apps?
New York Times bestselling author and Chief Behavioral Officer to Orion, Daniel Crosby, stops by the studio to chat with Nicole about behavioral finance and the role it plays in fintech.
As a former Ph.D. psychology grad, Daniel’s knowledge of the role that human behavior plays in financial decisions is second to none. He explains how we can use those behavioral decisions to help people spend money in ways that will incite joy instead of judgment and to destigmatize the financial struggles around money that are so commonplace.
Plus, can you name the top three worries most Americans have in their daily lives? Hint: they all have to do with money.
Follow Daniel:
LinkedIn: https://www.linkedin.com/in/danielcrosby/
Buy Daniel’s Books:
The Behavioral Investor
The Laws of Wealth
Follow Nicole:
LinkedIn: linkedin.com/in/nicole-casperson-0820a5133/
Twitter: https://twitter.com/nicolecasperson
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech
Thank you so much!
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
In this special episode sponsored by the embedded fintech products platform, Array, Nicole chats with founder Martin Toha about how Array is building a platform to help both clients and their customers own their financial future.
Plus, Nicole and Martin also dive into an important conversation around why an intentional, early investment in diversity, equity, inclusion, and belonging (DEIB) can drive impact and value internally and externally.
Want to know how to make DEIB part of your organization’s DNA? Tune in to find out!
Follow Array:
Website: https://array.com
Twitter: https://twitter.com/ArrayPlatform
Instagram: https://www.instagram.com/arrayplatform/
LinkedIn: https://www.linkedin.com/company/array-io/
Follow Martin:
LinkedIn: https://www.linkedin.com/in/martintoha/
Follow Nicole:
LinkedIn: https://www.linkedin.com/in/nicole-casperson-0820a5133/
Twitter: https://twitter.com/nicolecasperson
If you want to learn more about bringing value to your business and the fintech Market check out the Report the Array team and I have put together!
Did you know that 1 in every 124 Asian women in the workplace is a leader vs. 1 in every 50 white males?
Liang Zhao, CEO of the marketing consulting agency, Vansary, does, and that’s why she’s making it her personal mission to ensure underrepresented groups have an equal seat at the leadership table.
Liang sits down to speak with Nicole about what her experience as an Asian American has been like in the fintech space, including why the culture of internalization has made it difficult for Asian Americans to recognize when they’re being shortlisted and how fintech needs to work harder to build a more inclusive and sustainable future.
Plus, find out how Vansary is working with female founders, minority-owned businesses, and allies within the financial sector to help underrepresented groups find their leadership voice.
Follow Liang:
LinkedIn: https://www.linkedin.com/in/liang-zhao-7167851a/
Follow Nicole:
LinkedIn: linkedin.com/in/nicole-casperson-0820a5133/
Twitter: https://twitter.com/nicolecasperson
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech
Thank you so much!
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
If you’re creating a fintech product that serves everyone but don’t have people building it who represent the groups you’re trying to help, how do you ever expect it to succeed?
In this live event, Nicole talks with Phenomenal Ventures’ Co-Founder, Helen Min, about her thoughts on fintech’s biggest problems, including the lack of representation for women within the fintech community.
She also shares why you should double down on telling your brand’s story through consistent messaging and explains why verticalized fintech applications are something to get excited about.
Follow Helen:
LinkedIn: https://www.linkedin.com/in/helenmin/
Follow Nicole:
LinkedIn: linkedin.com/in/nicole-casperson-0820a5133/
Twitter: https://twitter.com/nicolecasperson
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech
Thank you so much!
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
Industry powerhouse and Stash CEO Liza Landsman is in the studio to chat with Nicole about how she’s using FinTech to disrupt the bottleneck between economic sustainability and the average consumer.
Liza unpacks how the average consumer can benefit from Fintech and why, by using less coded, more accessible language, apps like Stash are breaking down barriers and encouraging those in poverty to achieve financial stability.
Plus, Nicole and Liza chat about the importance of representation in the Fintech sector and the psychology behind getting people to save more and buy less.
Follow Liza:
LinkedIn: https://www.linkedin.com/in/liza-landsman-83138b
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech
Thank you so much!
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/
And if you’ve enjoyed Humans of Fintech why not try:
Chicks of FinTwit
Tech Unlocked
Breaking Banks
Fintech Insider
0:00 Intro
5:20 No Place for Doubt
7:32 Making Consumer Finance Accessible
10:43 Why Investors Care About Profitability
11:41 Does Your Product Make The World a Better Place?
14:58 Why Money Matters
15:59 Is Fintech Oversaturated?
17:18 Taking Baby Steps to Achieve Financial Stability
23:42 Words of Advice
26:39 Empowering Women in FinTech
33:47 Outro
What happens when two of the most stellar names in fintech host a virtual event? Time to find out.
Nicole Casperson (Fintech is Femme) and Alex Johnson (Fintech Takes) throw open the doors for this community-building online event, tackling the real questions around fintech inclusivity, if B2C fintech is dead (or should be), and how Gen Z and missional values must align when it comes to choosing a career path.
Plus you’ll also hear questions from the audience, including the unsexy parts of banking that fintech needs to get into next.
Follow Nicole:
LinkedIn: linkedin.com/in/nicole-casperson-0820a5133/
Twitter: https://twitter.com/nicolecasperson
Follow Alex:
LinkedIn: .linkedin.com/in/alexhjohnson/
Twitter: https://twitter.com/AlexH_Johnson
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech
Thank you so much!
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
Timestamps:00:00 Intro
03:36 Getting Into Real Talk
09:25 Is B2C Fintech Dead?
12:58 Habit Creation
19:09 Integrating Behavioral Finance
25:09 Paycheck-to-Paycheck Living
27:07 The DEI Transparency Report
33:26 The Generation That Cares
35:25 Aligning Mission To Work
41:53 Make Money, Solve Societal Problems
In this commentary episode, Nicole gets straight into talking about the topic of the moment: Silicon Valley Bank.
Digging below the story, Nicole offers searing analysis on the root causes and asks the important questions.
You'll also hear her take on herd mentality and how fintech must do better.
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech
Thank you so much!
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
How come they teach math and sex-ed at school but not money?
CJ MacDonald is CEO and Founder of Step, the next generation financial services company helping teens and young adults achieve financial independence and knowledge at an earlier age.
Nicole and CJ discuss why getting into schools at the earliest age creates the building blocks to financial stability, how savings bonds led to an aha moment, and how it all starts with a bank account.
Follow CJ:
LinkedIn: https://www.linkedin.com/in/cjmacdonald/
Twitter: https://twitter.com/CJMacDonald
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech
Thank you so much!
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
Katie agrees to step into the spotlight for this quickfire round of questions.
Find out who’s on her fintech soundtrack, the best advice she ever received and so much more in this fireside chat with Nicole
Follow Katie:
LinkedIn: https://www.linkedin.com/in/katiepalencsar/
Twitter: https://twitter.com/damekatiep
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech
Thank you so much!
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
How do you smash down common misconceptions around female fintech founders? Katie Palencsar is the startup founder turned investor, determined to bring equity into VC investments.
Katie is an investor at the Female Innovators Lab Fund within the Anthemis Group, the global platform cultivating change in the financial system by investing in, growing, and sustaining businesses committed to resiliency, transparency, access and equity.
Nicole and Katie discuss why she’s hell bent on shattering the misconceptions around female fintech founders, why it’s time to bring men back into the conversation, and how to respond to accusations of sexism.
Plus you’ll hear Katie’s advice for anyone who still feels on the outside of the industry and why investors are looking more and more for sustainability in their fintech investments.
Follow Katie:
LinkedIn: https://www.linkedin.com/in/katiepalencsar/
Twitter: https://twitter.com/damekatiep
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech
Thank you so much!
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
How can your fintech product prioritize inclusion, generate profitability, and serve people who need financial tools?
In this quick breakdown Nicole defines what inclusion really means in the space, gives examples from Annie Jean-Baptiste’s best settling book, and how to capture a larger market share by creating more inclusive products for people of color, women and other underrepresented groups.
Plus, you’ll also get Nicole’s insights on how Google are building inclusivity into their products at the design stage.
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech
Thank you so much!
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
Join Nicole and Alison in this lightning round of questions, covering everything from music to inspirational advice.
Get to know Nicole's inspirational podcast guest even better in this 5-minute fireside chat.
Follow Alison:
LinkedIn: https://www.linkedin.com/in/alisonstaloch/
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech
Thank you so much!
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
From medicine to regulations and headlong into Fintech, meet the CFO building a better financial system.
Alison Staloch is CFO at Fundrise, America’s largest direct-to-investor alternatives investment platform, since 2012.
Nicole and Alison, dig into why a career in medicine left her cold, how she navigated a course through regulations and policy at the US Securities And Exchange Commission, and why Fundrise’s ethos for empowering its customer is her north star.
Plus, you’ll also hear the best piece of advice Alison was given and why Fintech outsiders should dive into the industry with no fear.
Follow Alison:
LinkedIn: https://www.linkedin.com/in/alisonstaloch/
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech
Thank you so much!
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
Timestamps:
00:00 Intro
04:31 When Medicine Fell Flat
06:34 Monitoring For Opportunities And Challenges
10:06 Bridging The Knowledge Gap
15:14 Building A Better Financial System
19:01 Being Bullish On Tech
21:38 The Importance Of Badass Mentors
24:34 A Dire Need For Diversity
26:36 Living Out The Desire To Make An Impact
32:40 A Message To Outsiders
Vered is under the spotlight in this quickfire round of questions.
Discover her fintech soundtrack, the best advice she ever received and more in this fireside chat with Nicole.
Follow Vered:
LinkedIn: https://www.linkedin.com/in/veredfrank/
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
Thank you so much!
From traditional finance to fintech and back again, Vered Frank is the CMO helping investors find meaning and connection.
She is Head of Marketing at Seeds Investor, empowering financial advisors to deliver a more meaningful investment experience.
Nicole and Vered talk robo investment advisors, the disconnect between earning and spending, and how Vered found her fintech sweet spot.
Follow Vered:
LinkedIn: https://www.linkedin.com/in/veredfrank/
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech
Thank you so much!
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
Timestamps:00:00 Intro
02:39 Learning From Tradition
06:34 Leveraging Processes In A Startup
12:58 The Seeds Vision
13:16 The Fintech Disconnect Between Earning And Spending
17:13 Financial Investor Role
19:10 New Ways Of Investing
What happens when you’re frozen out of financial conversations because of gender and ethnicity? You start your own conversation
Eve Halimi and Anam Lakhani are the first-time founders behind Alinea Invest, the community-driven money app with financial education, news, stock & crypto investing.
Nicole, Eve and Anam explore why so many women aren’t taught how to save and invest, the importance of non-predatory platforms and how Alinea got funded, despite investors not getting the problem or seeing the need for a solution.
Follow Eve:
LinkedIn: https://www.linkedin.com/in/eve-halimi/
Follow Anam:
LinkedIn: https://www.linkedin.com/in/anam-lakhani-443032134/
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech
Thank you so much!
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
Hold on tight as Michelle answers a lightning round of questions from Nicole in this fireside chat.
Get personal with 3 minutes, you don’t want to miss!
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech
Thank you so much!
Follow Michelle:
LinkedIn: https://www.linkedin.com/in/michellektran/
Twitter: https://twitter.com/MkateMama
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
Michelle Tran is building a community, meeting fintech bro culture head on. Find out why she will no longer be talked over.
Michelle Tran is the Head of Enterprise Sales and SVP at Vestwell, a platform working to close the savings gap. She’s also the Founder of NYC Fintech Women and Dreamers // Doers, a collaboration and mentorship community.
Nicole and Michelle get into her inspiring family story of immigration in tough circumstances, why she’s determined to keep on giving back, and the aha moment when she found herself talked over at a pitch meeting, triggering her mission to create a supportive community and mentoring other women in fintech.
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech
Thank you so much!
Follow Michelle:
LinkedIn: https://www.linkedin.com/in/michellektran/
Twitter: https://twitter.com/MkateMama
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/
Timestamps:00:00 Intro
02:29 The Quest For A Better Life
07:00 The Art Of Giving Back
11:21 Checking Those Family Boxes
14:02 That Aha Moment
17:29 Power To All The People
20:18 Looking At The End Game
22:28 Finding Your Fintech People
26:18 All About Visibility
36:14 What Is The Change You Want To Be?
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
It’s 2023 and still female founders are facing tough challenges getting recognized and funded.
Why? Nicole explores the topic in this 5-minute commentary episode.
Join Nicole as she dives into recent research showing the difficulty female founders have getting funding from male-founded VC firms. She gets into the numbers around this issue and some solutions to changing up the status quo.
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech
Thank you so much!
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
Hold on for this lightning round of questions, getting to know Drew a little deeper.
From the best advice to dream collabs - this is 3-minutes you can’t miss!
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech
Thank you so much!
Follow Drew:
LinkedIn: linkedin.com/in/drewbailerglover
LinkedIn: https://twitter.com/DrewBailer
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
From struggling to read to becoming a highly successful VC and Founder, this is the unique story of Drew Glover.
Drew is Co-Founder of Fiat Ventures and Fiat Growth, helping fintech startups scale through mentorship and investment. He grew up overcoming learning difficulties, thanks to his own determination and an encouraging mom, and is now a successful investor and mentor.
Nicole and Drew get into how his success as an athlete helped him become the best communicator, why admitting your weaknesses is the key to self-growth, and why he believes fintech investment will unlock opportunities for smaller companies who deserve success.
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech
Thank you so much!
Follow Drew:
LinkedIn: linkedin.com/in/drewbailerglover
Twitter: https://twitter.com/DrewBailer
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
Timestamps:00:00 Intro
02:22 Outside The Traditional School System
05:52 Making It Out Alive
06:12 Fintech Is Meant To Be Unconventional
10:45 The Aha Moment
14:15 Noticing Your Super Powers
16:30 When Your Mom Knows Too Much
20:50 Change Needs to Happen
21:17 A Different Vantage Point
26:33 Unique From Day One
Unlocking the Secrets of Venture Capitalism: A Comprehensive GuideVenture capitalism is a highly lucrative yet complex field of finance. If you’re an entrepreneur looking to raise capital for your startup, you need to have a thorough understanding of venture capitalism and the various aspects associated with it. This guide will provide you with a comprehensive overview of venture capitalism and equip you with the knowledge necessary to make informed decisions when it comes to raising capital.
Introduction to Venture CapitalismVenture capitalism is the practice of investing in newly established businesses with the expectation of a higher return on investment. It is a form of private equity and typically involves high-risk investments in startups and other early-stage businesses. Venture capitalists provide financial capital, managerial expertise, and access to networks in exchange for a stake in the company.
Venture capitalists are typically wealthy individuals, family offices, or institutional investors with a high risk tolerance and a long-term outlook. Venture capital firms are specialized firms that invest in startups and other early-stage companies with the aim of generating a return on their investments.
Venture capitalism is an attractive option for many entrepreneurs because it provides access to capital, resources, and expertise that would otherwise be difficult to obtain. However, venture capitalists typically demand a certain level of control over the company in exchange for their investments, which can be a difficult pill to swallow for some entrepreneurs.
Investment StrategiesVenture capitalists employ various investment strategies when it comes to investing in startups and other early-stage companies. These strategies typically involve identifying promising businesses, conducting due diligence, and deciding on the right amount of capital to invest.
One of the most popular strategies employed by venture capitalists is “spray and pray”, which involves making a large number of small investments in different startups. This strategy reduces the risk of a single investment failing and allows venture capitalists to diversify their portfolios.
Another popular strategy is “bottom fishing”, which involves investing in late-stage startups that have already gone through several rounds of financing. These startups are typically more mature and have a better chance of succeeding.
Finally, venture capitalists may employ a “top-down” approach, which involves investing in the most promising startups. This strategy involves a greater risk, as the venture capitalist is betting on the success of a single startup.
Types of Venture CapitalistsThere are several types of venture capitalists, each with their own strategies and preferences. Angel investors are wealthy individuals who invest their own money in startups.
These investors typically prefer to invest in early-stage companies and have a high risk tolerance.
Venture capital firms are specialized firms that invest in startups and other early-stage companies. These firms typically employ a variety of strategies and may have different preferences when it comes to investment types.
Family offices are private investment firms that invest the wealth of wealthy families. These firms typically invest in more mature companies and have a lower risk tolerance.
Finally, institutional investors are large companies, pension funds, and other organizations that invest in startups and other early-stage companies. These investors often invest in more mature companies and typically have a lower risk tolerance.
Managing RiskVenture capitalism is a high-risk investment strategy, and venture capitalists need to be aware of the associated risks. These risks include market risk, operational risk, financing risk, and legal risk.
Market risk refers to the risk that the company’s products or services may not be successful in the market. Operational risk refers to the risk that the company’s operations may be inefficient or ineffective. Financing risk refers to the risk that the company may be unable to raise additional capital.
Finally, legal risk refers to the risk that the company may be exposed to legal liabilities.
To mitigate these risks, venture capitalists need to conduct thorough due diligence and invest only in companies that have a clear path to success.
Steps to Raising Venture CapitalRaising venture capital can be a complicated process, and entrepreneurs need to be aware of the various steps involved.
The first step is to develop a business plan that outlines the company’s objectives and strategies. This plan should include a detailed description of the company, its products or services, and its target market.
The second step is to identify potential investors and develop relationships with them. This involves researching potential investors and networking with them to build relationships.
The third step is to present the company to potential investors. This involves creating a pitch deck, which is a presentation that outlines the company’s objectives and strategies.
The fourth step is to negotiate the terms of the investment. This involves negotiating the valuation of the company and the terms of the investment.
The final step is to close the deal. This involves signing the necessary documents and transferring the funds.
Valuation of Start-upsValuing a startup can be a complicated process, and venture capitalists need to be aware of the various valuation methods. These methods include the cost approach, the market approach, and the income approach.
The cost approach involves valuing the company’s assets and liabilities. This approach is typically used for more mature companies that have a track record of profitability.
The market approach involves valuing the company based on the valuations of comparable companies. This approach is typically used for early-stage companies that don’t have a track record of profitability.
Finally, the income approach involves valuing the company based on its expected future cash flows. This approach is typically used for startups that have a product or service with a clear path to profitability.
Finding the Right Investment PartnerFinding the right investment partner is crucial for entrepreneurs looking to raise venture capital. It’s important to find an investor that shares your vision and has a similar risk tolerance.
The best way to find the right investment partner is to network with potential investors and build relationships. This involves researching potential investors and attending industry events. It’s also important to research the track record of the investor and evaluate their portfolio to determine if they’re a good fit.
Once you’ve identified potential investors, it’s important to present your company to them in a professional manner. This involves creating a pitch deck, which should include a detailed description of the company and its objectives.
Finally, it’s important to negotiate the terms of the investment. This involves negotiating the valuation of the company and the terms of the investment.
ConclusionVenture capitalism is a highly lucrative yet complex field of finance. If you’re an entrepreneur looking to raise capital for your startup, you need to have a thorough understanding of venture capitalism and the various aspects associated with it. This guide has provided you with a comprehensive overview of venture capitalism and equipped you with the knowledge necessary to make informed decisions when it comes to raising capital.
It’s important to research potential investors, develop relationships with them, and present your company in a professional manner. It’s also important to understand the various investment strategies employed by venture capitalists, the different types of venture capitalists, and the steps involved in raising venture capital. Finally, it’s important to manage risk and understand the various methods used to value startups.
By following the tips outlined in this guide, you’ll be well-equipped to find the right investment partner and raise the capital necessary to launch your startup.
Get to know Meg a little better, as Nicole unleashes this lightning round of questions.
From Fintech songs, to Meg’s biggest supporter - this is 3-minutes you can’t miss!
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech
Thank you so much!
Follow Meg:
LinkedIn: linkedin.com/in/megnakamura
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
Timestamps:00:00 Intro
02:21 The Japanese Influence On Apto
04:43 Society Working For The Greater Good
06:15 The Skill Of Spotting Opportunity
09:34 Moving The Needle Through Real Change
16:28 Building Trust Through Community
17:55 No Hall Pass For Mistakes
20:04 The Challenge of Recruiting in a Pandemic
22:58 Growth As Key
27:43 Meg’s Three Wishes
You don’t get a hall pass for making mistakes with people’s money.
Meg Nakamura is the Co-founder and CEO building trust through fintech. Find out how.
Apto Payments is the next-generation cards and payments platform that helps companies design and launch successful card programs in as fast as a day. Meg and Co-founder Greg Kidd are building a company with community and trust at its core.
Nicole and Meg talk about how Meg’s Japanese upbringing influenced her approach to business, why you only get one chance to handle people’s finances, and what it’s like to keep your company afloat in the face of challenge.
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech
Thank you so much!
Follow Meg:
LinkedIn: linkedin.com/in/megnakamura
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
Navigating the Fintech Startup Landscape: Strategies for SuccessFintech startups are popping up everywhere, and for good reason. The global fintech industry is on the rise and is projected to grow exponentially in the coming years. But starting a fintech startup is not without its challenges.
In this blog post, we'll explore the challenges faced by fintech startups, the various business models available, the regulatory environment, and strategies for success. We'll also look at what to look for when selecting a fintech partner and tips for raising capital for a fintech startup.
Challenges faced by fintech startupsStarting a fintech startup is no easy feat. There are numerous challenges that entrepreneurs must face, from finding the right team to navigating the regulatory environment. Here are some of the most common challenges that fintech startups face.
The first challenge is the technical complexity of a fintech product or service. Fintech startups must develop a product or service that is both secure and meets customer needs. This requires a significant amount of time and resources, and it can be difficult to keep up with the ever-evolving technology landscape. It's important for fintech startups to stay up-to-date with the latest advancements in the industry in order to remain competitive.
Then there’s the competitive landscape. The fintech industry is highly competitive, and it can be difficult for startups to stand out from the crowd. Additionally, established players have the advantage of extensive resources and customer bases, which can make it difficult for startups to gain traction.
Fintech startups must adhere to a variety of regulations in order to operate legally. This can be a daunting task, as regulations vary from country to country and can be difficult to interpret. As such, it's important for fintech startups to have a clear understanding of the regulatory landscape in order to remain compliant.
Fintech startups often have to spend significant amounts of money to acquire customers. This can be difficult for startups with limited resources, as it can be difficult to generate a sufficient return on investment (ROI).
The fifth challenge is the risk of failure. As with any startup, there is always the risk of failure. Fintech startups are no exception, and it is important for entrepreneurs to have a clear understanding of the risks involved and a plan to mitigate them.
Common fintech business modelsFintech startups come in all shapes and sizes, and there are a variety of business models to choose from. Here are some of the most common fintech business models.
Online payments business:. This involves providing a platform for customers to make payments online. This can be done through a variety of payment methods, such as credit cards, debit cards, and digital wallets.
Then there’s loans to customers, either directly or through a third-party lender. This can be done through a variety of loan products, such as personal loans, business loans, and mortgages.
Wealth management provides advice and services related to managing finances. This can include providing financial planning services, investment advice, and portfolio management services.
Lastly there’s the cryptocurrency business. This involves providing services related to cryptocurrencies, such as trading, storage, and secure transactions.
The fifth is an insurance business. This involves providing insurance products, such as life insurance, health insurance, and auto insurance.
Regulatory environment for fintech startupsUnderstanding the regulatory landscape is an essential part of starting a fintech startup. Regulations can vary significantly from country to country and can be difficult to interpret. As such, it's important to have a clear understanding of the regulatory environment in order to remain compliant.
The first step is to familiarize yourself with the relevant laws and regulations in your jurisdiction. This includes understanding the requirements for setting up a business, obtaining necessary licenses and permits, and adhering to privacy and data protection regulations. Additionally, it's important to understand any restrictions related to the offering of financial services, such as limits on interest rates or loan terms.
It's also important to understand the laws and regulations related to payment processing. This includes understanding the requirements for processing payments, such as payment security and anti-money laundering regulations. Additionally, it's important to understand the requirements for handling customer data, such as data retention, storage, and security regulations.
Finally, it's important to understand any restrictions related to marketing and advertising. This includes restrictions related to the content of advertisements, as well as any restrictions related to the use of customer data for marketing purposes.
Strategies for successful fintech startupsSuccessful fintech startups have a few things in common. Here are some strategies to ensure the success of your fintech startup.
Focus on customer needs. It's important to understand the needs of your customers and to develop a product or service that meets those needs. Additionally, it's important to stay up-to-date with industry trends and to be aware of any changes in customer needs.
Build a strong team. Fintech startups require a diverse team of experts with a variety of skills and experience. It's important to build a team that is both knowledgeable and passionate about the product or service you are offering.
Create a clear value proposition. It's important to have a clear understanding of the value that your product or service is offering to customers. This can help you to stand out from the competition and attract customers.
Have a clear understanding of the competitive landscape. It's important to understand the competitive landscape in order to stay competitive. This includes understanding the offerings of competitors, as well as their strengths and weaknesses.
Finally, it's important to have a clear understanding of the regulatory environment. As mentioned earlier, it's important to have a clear understanding of the relevant laws and regulations in order to remain compliant.
What to look for when choosing a fintech partnerChoosing the right fintech partner is essential for the success of your fintech startup. Here are some things to consider when selecting a fintech partner.
The first is to consider the partner's experience and expertise. It's important to choose a partner with experience in the fintech industry, as well as expertise in the product or service you are offering. Additionally, it's important to consider the partner's capabilities, as well as their track record of success.
The second is to consider the partner's technology. It's important to choose a partner with a reliable and secure technology platform. Additionally, it's important to consider the partner's ability to scale, as well as their flexibility in terms of customizing their platform to meet your needs.
The third is to consider the partner's customer service. It's important to choose a partner with an efficient and reliable customer service team. This can help to ensure that customers have a positive experience and are satisfied with the product or service you are offering.
The fourth is to consider the partner's pricing. It's important to select a partner that offers competitive pricing. Additionally, it's important to consider any additional fees, such as setup fees or transaction fees.
Finally, it's important to consider the partner's reputation. It's important to select a partner with a good reputation in the industry. This can help to ensure that the partner is reliable and trustworthy.
Tips for raising capital for a fintech startupRaising capital for a fintech startup can be a daunting task. Here are some tips to help ensure the success of your capital raise. Have a clear understanding of:
Your value proposition. It's important to have a clear understanding of the value that your product or service is offering to customers. This can help to attract potential investors and demonstrate the potential of your business.
The competitive landscape. It's important to understand the offerings of competitors, as well as their strengths and weaknesses. This can help to demonstrate the potential of your business and can help to attract potential investors.
The regulatory environment. As mentioned earlier, it's important to have a clear understanding of the relevant laws and regulations in order to remain compliant. This can help to demonstrate the potential of your business and can help to attract potential investors.
Your financials. It's important to have a clear understanding of your financials, such as your revenue, expenses, and cash flow. This can help to demonstrate the potential of your business and can help to attract potential investors.
The fifth tip is to focus on building relationships. It's important to build relationships with potential investors in order to attract capital. This can include attending networking events, connecting with investors on social media, and reaching out to potential investors directly.
ConclusionStarting a fintech startup is no easy feat. There are numerous challenges that entrepreneurs must face, from finding the right team to navigating the regulatory environment. It's important to understand the challenges faced by fintech startups, the various business models available, the regulatory environment, and strategies for success.
Additionally, it's important to understand what to look for when selecting a fintech partner and tips for raising capital for a fintech startup. With the right strategies, a fintech startup can be a successful and profitable venture.
Get to know Yoni a little better with this lightning round of questions..
From Fintech songs, to Yoni’s biggest supporter - this is 3-minutes you can’t miss!
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech
Thank you so much!
Follow Yoni
LinkedIn: linkedin.com/in/yoniassia
Twitter: https://twitter.com/yoniassia
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
This is a special one. Yoni Assia is the Founder and CEO of eToro, discover his vision for Fintech and why investment is for everyone.
eToro is the world’s leading social investment platform. Founded in 2007 with a mission to open the world's markets to everyone -everywhere.
Nicole and Yoni sit down to talk about the power of connection, why education is so key to successful investment, and how fintech will flip traditional finance on its head sooner rather than later.
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech
Thank you so much!
Follow Yoni
LinkedIn: linkedin.com/in/yoniassia
Twitter: https://twitter.com/yoniassia
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
Timestamps:0:00 Intro
01:52 The Power of Connection
03:13 Are We Finance Or Tech?
05:31 Programing For The Israel Intelligence Core
06:57 The Passion For Capital Markets
09:45 Connection, Collaboration, Education
13:23 Success Is Never A Straight Line
16:38 Looking With Perspective
20:44 The Buffet Dinner
27:15 Giving Back Through Non Profit
Get ready for a lightning round of questions, getting to know Kristy on a more personal level.
From Fintech songs, to biggest supporters - this is 3-minutes you can’t miss!
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech
Thank you so much!
Follow Kristy:
LinkedIn: linkedin.com/in/kristykim7
Twitter: https://twitter.com/kristykim1015
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
Welcome to the first episode in this brand new season. This is a special one.
Kristy Kim is a South Korean immigrant and the founder of TomoCredit, the fintech company offering the smartest consumer credit card that doesn’t require a credit score for approval.
Nicole and Kristy get into conversation about how Kristy solved her own credit problem, how she went all founding a startup, and how a sense of humor helps in every aspect of life.
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech
Thank you so much!
Follow Kristy:
LinkedIn: linkedin.com/in/kristykim7
Twitter: https://twitter.com/kristykim1015
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
Timestamps:0:00 Intro
01:43 Always Feeling Like The Outsider
03:55 Taking On The Startup Challenge
07:02 What Ambition Looks Like
11:31 The Rejection Experience
15:29 Big Bank Challenge
16:39 Going All In
19:15 When The Product Clicked
21:34 The Thousand Per Cent Commitment
28:48 Raising Women Up
Credit History: Strategies for Improving Your Credit ScoreYour credit history is important. It can determine whether you’ll get approved for a loan or credit card, or even be able to rent a house or apartment. That’s why it’s important to have a good credit score and understand how your credit history affects your financial life. Here we’ll discuss the factors that impact your credit score, strategies for improving your credit score, how to monitor your credit history, and common credit mistakes you should avoid.
Factors That Impact Your Credit ScoreYour credit score is a three-digit number that summarizes your credit risk. It ranges from 300 to 850 and is based on your credit history. Lenders use it to determine whether to approve you for a loan or credit card, and what kind of interest rate they’ll charge you. There are several factors that impact your credit score, including:
- Payment History: Your payment history is the most important factor in determining your credit score. It looks at whether you’ve made your loan and credit card payments on time. Late payments can have a major impact on your credit score.
- Credit Utilization: Credit utilization is the amount of credit you’re using compared to the total amount of credit available to you. It looks at how much of your credit limit you’re using on your credit cards. It’s important to keep your credit utilization low, as having too much credit can lower your credit score.
- Length of Credit History: Your length of credit history looks at the age of your oldest account and the average age of all your accounts. Having a longer credit history can help your credit score, so it’s important to keep older accounts open.
- Types of Credit: Your credit mix looks at the different types of credit you’re using, such as loans, credit cards, and store cards. Having a mix of different types of credit can help your credit score.
- Recent Credit Activity: Your recent credit activity looks at the number of new accounts you’ve opened in the last six months. Opening too many accounts in a short period of time can lower your credit score.
These are the five main factors that impact your credit score. Understanding these factors can help you make the right decisions to improve your credit score.
Strategies to Improve Your Credit ScoreThere are several strategies you can use to improve your credit score. Here are some of the most effective strategies:
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Pay Your Bills on Time: One of the best ways to improve your credit score is to make sure you’re paying your bills on time. Late payments can have a major impact on your credit score, so it’s important to stay on top of your payments.
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Reduce Your Credit Utilization: Another strategy for improving your credit score is to reduce your credit utilization. Try to keep your credit utilization below 30 percent, as having too much credit can lower your credit score.
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Don’t Open Too Many Accounts: It’s important to avoid opening too many accounts in a short period of time, as this can have a negative impact on your credit score. Instead, focus on paying off your existing debt and building a positive payment history.
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Monitor Your Credit Report: Staying on top of your credit report is important. Make sure to check it regularly to make sure there are no errors or fraudulent activity. You can request a free copy of your credit report once a year from each of the three credit bureaus.
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Dispute Errors: If you find any errors on your credit report, make sure to dispute them as soon as possible. Errors can have a negative impact on your credit score, so it’s important to get them resolved as quickly as possible.
These are some of the most effective strategies for improving your credit score. It may take some time to see results, but if you’re consistent and disciplined, you should be able to improve your credit score.
How to Monitor Your Credit HistoryMonitoring your credit history is important for several reasons. First, it can help you stay on top of any errors or fraudulent activity. Second, it can help you spot any potential credit score issues. Finally, it can help you stay up to date on any changes to your credit score.
Being vigilant is the key to staying on top of your credit history, checking statements regularly and disputing any errors that arise before they adversely affect your credit.
Common Credit Mistakes and How to Avoid ThemIt’s important to avoid making common credit mistakes, as they can have a major impact on your credit score.
Make efforts to avoid missing payments that can have a major impact on your credit score. Make sure to set up automatic payments for your credit cards and loans so that you don’t miss any payments.
Avoid too, maxing Out Credit Cards. Try to keep your credit utilization below 30 percent, as having too much credit can lower your credit score.
Applying for lots of credit accounts over a short period of time may also make an impact, so instead focus on paying down your debt and making your payments on time. In the same way make sure to shut down old accounts that no longer serve you.
These are some of the most common credit mistakes and how to avoid them. Understanding these mistakes can help you make the right decisions to improve your credit score.
ConclusionYour credit history is important. It can determine whether you’ll get approved for a loan or credit card, or even be able to rent a house or apartment. That’s why it’s important to have a good credit score and understand how your credit history affects your financial life. Here we discussed the factors that impact your credit score, strategies for improving your credit score, how to monitor your credit history, and common credit mistakes you should avoid.
Taking the time to understand and improve your credit history can have a major impact on your financial life.
If you’re looking to improve your credit score, make sure to keep these tips in mind. Pay your bills on time, reduce your credit utilization, don’t open too many accounts, monitor your credit report, and dispute any errors you find. Taking the time to understand and improve your credit history can have a major impact on your financial life.
The world of fintech is dominated by the same old voices, drowning out diverse founders and operators. Step forward Humans of Fintech. The podcast elevating the stories of diverse leaders at the forefront of change in our industry.
Hosted by me, Nicole Casperson, journalist and founder of the Fintech Is Femme. This show shines a spotlight on those underrepresented fintech founders, zoning in on how they’re leading their companies and creating change.
You’ll hear how leaders like Kristy Kim of TomoCredit, Founder of eToro Yoni Assia, and women in fintech icon Michelle Tran are bringing equity and an alternative version of finance to the world, powering new ways of bringing equality across the globe.
In every interview, my guest will share how they got into the fintech space, the challenges they’re working to solve and what drives them. You’ll hear how they found connection in the industry, and how they’re moving the dial when it comes to re-shaping fintech for the better.
If you’re desperate to hear fresh perspectives and different voices, Humans of Fintech is the podcast putting humanity back into the industry.
With new episodes dropping every Wednesday. Make sure to subscribe wherever you get your podcasts.
And if you’ve enjoyed Humans of Fintech, why not try: Tech Unlocked, Breaking Banks or Fintech Insider.
Tracy Schroeder is democratizing R&D Tax Credits, and finding her home in Fintech.
As VP of Strategy and Growth at MainStreet, she’s part of the company’s mission taking the guesswork out of tax credits and passing the savings onto small businesses and startups.
Nicole and Tracy talk why Fintech isn’t the cool kids club everyone thinks it is, how surrounding yourself with a diverse network is key to growing as a leader, and why education will always be a core part of the MainStreet mission.
And our sponsor MainStreet is making it easy to find thousands of dollars worth of R&D Tax Credits. You only need to plug MainStreet into your payroll and let their team of experts do the heavy lifting, scanning hundreds of federal, state and local tax credits on your behalf. It’s going to save you so much time and your company so much money.
Head to MainStreet.com to sign up for their limited time offer.
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech
Thank you so much!
Follow Tracy:
LinkedIn: linkedin.com/in/tracy-schroeder-31757284
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
Timestamps:
0:00 Intro
03:21 From Outsider to Inside
04:45 Not Just For The Big Boys
09:42 The Importance of Education For Customer Success
12:31 Back Yourself
15:21 The Power of Five
18:38 EQ For Career Success
22:50 Personalization, The Trend To Watch
27:57 The Trickle Down Leadership Effect
30:03 Creating Your Own Cool Kids Club
Leadership In FintechFintech continues to expand rapidly. According to statistics, the global fintech market is continuing its upward trajectory
. As this sector expands and matures, the need for quality leadership grows as well. Leaders with a focus on fintech will play a pivotal role in the continued success of this industry. Here are three traits you should look for when searching for fintech leadership: Leaders who can see beyond their own interests Fintech leaders must be able to tackle problems from many different angles.
They have to be able to see more than just numbers and spreadsheets; they must be able to see people, too. Not everyone involved in fintech has the same motives or intentions—some may not have the best intentions at all. The ability of a leader in fintech to see beyond their own immediate interests will be what prevents corruption and exploitation of customers within this niche field.
HonestyA leader who is honest with themselves and others will have much better luck with problem solving. A lack of self-awareness can lead to poor decision-making, and a lack of integrity can lead to unethical practices.
Honesty is a trait that all fintech leaders must have in order to ensure that their solutions serve the needs of their customers and have no hidden ulterior motives. When leaders are honest with themselves, they will not make excuses for poor performance; instead, they will have the ability to recognize where they need to improve.
A desire to do goodA desire to do good goes beyond honesty. Many people can be honest and still not have the best intentions. It is one thing to seek to make a profit, but it is another to want to use that profit to help others. Fintech will inevitably be a part of someone’s financial future. It’s important to consider how you can benefit them.
Doing good is not always easy, but it is necessary if a leader wants to build a long-lasting and successful fintech business. Customers want to know that the products they are using are ethically sourced and that their data is safe. If a leader has a desire to do good, they will go the extra mile to make sure they are following ethical business practices and delivering value to their customers.
TransparencyTransparency breeds trust. Many fintech companies make a big deal about boasting about the security of their services, but many don’t make their methods public. That makes it hard for people to trust their claims. If a fintech leader is not transparent, it will be almost impossible for them to earn the trust of their customers.
Fintech companies that offer privacy and security solutions for customers must be acutely aware of the regulations and laws surrounding their industry. That means they must have a team of legal experts to ensure that they are compliant with all applicable laws. If a leader is not transparent, they could be breaking the law. That type of non-compliance could lead to fines and even criminal charges.
Diversity of thought and cultureFintech companies that want to last must promote a culture of diversity. You cannot solve a problem if you don’t understand the needs and desires of your customers. Leaders who are willing to hire people who think differently than they do and who come from different cultural backgrounds will be better able to serve their customers. W
hen hiring leaders and employees, fintech leaders should look for a wide range of skills, abilities, and cultures. Diversity is not about bringing in people who are exactly like you; it’s about bringing in people who can think differently and solve problems from new angles.
What does embedded finance mean to Dani Fava? It means providing a more secure future for millions of Americans. Find out how.
Dani is Group Head of Product Innovation at Envestnet, transforming the way financial advice and wellness are delivered. Their mission is to empower advisors and financial service providers with innovative technology, solutions and intelligence to make financial wellness a reality for everyone.
Nicole and Dani talk hacking software to buy back 20 minutes of her day, how financial micro moments could change the future, and how Dani carved out her own space in the innovation niche.
And our sponsor MainStreet is making it easy to find thousands of dollars worth of R&D Tax Credits. You only need to plug MainStreet into your payroll and let their team of experts do the heavy lifting, scanning hundreds of federal, state and local tax credits on your behalf. It’s going to save you so much time and your company so much money.
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Timestamps:00:00 Intro
01:44 The Incredible Origin Story
04:31 Being Your Own Biggest Believer
05:55 Failure Is An Option
12:20 Infiltrating The Institutions
15:14 Equity At All Levels
23:44 Proximity: One SIngle Word
25:56 The Embedded Finance App
30:15 Being The Change In Fintech
31:43 Staying Visible
3 Benefits of Embedded Finance For OrganizationsIn a digital world, the role of finance is more important than ever. Finance departments are playing a key role in embedding insights into our organizations and driving sustainable performance.
A company’s embedded financial management system is one where financial information is accessed directly from business processes, rather than having to be retrieved from separate data systems. Embedded finance solutions are fast becoming essential for many businesses as they provide a number of benefits that can help you make better strategic decisions, boost efficiency and reduce costs. In this blog post, we take a look at the benefits of embedding finance for your organization.
Save Time and MoneyThe data needed to report on the business performance, forecast future cash flows and make investment decisions is being extracted from the core business processes themselves. This means that the analysis and reporting can be done in real time, without the need for manual collection of data from separate systems.
Thus, finance departments no longer have to spend valuable resources manually extracting data from different systems and generating reports to support management decisions. This will save time and money spent on IT resources, data management and analysis. Embedded finance solutions can help finance departments make better use of
Live from Money 20/20 Nicole is joined on stage by two stellar guests, moving the needle on financial inclusion.
Nicole is in conversation with Mary Elle Iskenderian, President at Women’s World Banking and Shivani Siroya, CEO and Founder at Tala.
The panel gets into 720 billion reasons for financial equity, helping women and marginalized people across the globe get access to financial products, and how to build a business with empathy.
This is a special episode you won’t want to miss.
And our sponsor MainStreet is making it easy to find thousands of dollars worth of R&D Tax Credits. You only need to plug MainStreet into your payroll and let their team of experts do the heavy lifting, scanning hundreds of federal, state and local tax credits on your behalf. It’s going to save you so much time and your company so much money.
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Find out how Chris Hewish is bridging the gap between game monetization and customer expectation.
Chris is President of Xsolla, the video game business engine that helps indie and global gaming companies solve the complexities of distribution, marketing, and monetization.
Nicole and Chris dive into the lightbulb moment he realized 40% of the global gaming market couldn’t transact in their favorite games, how helping everyone get a piece of the pie is possible through smart Fintech, and why engaging customers is a win for everyone.
And our sponsor MainStreet is making it easy to find thousands of dollars worth of R&D Tax Credits. You only need to plug MainStreet into your payroll and let their team of experts do the heavy lifting, scanning hundreds of federal, state and local tax credits on your behalf. It’s going to save you so much time and your company so much money.
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5 Best Gaming CommunitiesNewer and smaller communities can struggle to get noticed. Often, the best way to stand out is by creating something unique or interesting. There are many gaming communities out there, each with their own set of positives and negatives.
Occasionally, one stands out because of its excellent management, or its focus on a certain type of player, for example. Here we take a look at the top 5 gaming communities that are worth joining in 2019 if you’re looking for new friends or players to regularly play with.
TwitchIf you’re an avid gamer, then you’ve almost certainly heard of Twitch. As one of the most popular games streaming site online, it enables you to stream your gameplay live, as well as watch various other gaming content from others.
Using an established site like this is often the best way to get yourself out there, as well as connect with other players. The main Twitch site is aimed more at viewers, whereas the Twitch Gaming community is more for streamers and their viewers. For those looking for new friends, the Twitch Gaming Community is perfect.
With over 27 million members, it’s one of the most popular gaming communities online, particularly for those who play a lot of multiplayer games. The community offers lots of different channels, such as general gaming, first-person shooters, role-playing games, and many more.
Dark Souls 3 Multiplayer GroupOne of the most original communities on this list is the Dark Souls 3 Multiplayer Group. This is a group of dedicated Souls fans that play together on a regular basis, and are currently playing the latest entry in the series, Dark Souls 3.
Players can either...
Growing up surrounded by Latino entrepreneurs, but only seeing white faces in the media, Lyanne knew it was time to tell a different story.
From business journalist to creator of the Moneda Moves Newsletter, and Program Manager at Google, it’s no surprise Lyanne was recently named one of TIME X NextAdvisor’s 25 Most Influential Voices of New Money.
Championing fintech, money and culture, Lyanne is putting Latino founders firmly on the map.
Nicole and Lyanne talk growing up in the US as an immigrant, the underrepresentation of LatAm founders, and why companies should put way more emphasis on telling their story.
And our sponsor MainStreet is making it easy to find thousands of dollars worth of R&D Tax Credits. You only need to plug MainStreet into your payroll and let their team of experts do the heavy lifting, scanning hundreds of federal, state and local tax credits on your behalf. It’s going to save you so much time and your company so much money.
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The Importance of Equity in FintechFinTech has been an exciting sector for the last few years. With its low entry bar, new fintech founders are emerging every day with innovative ideas and solutions. Although the number of FinTech companies is growing fast, we still see a lack of diversity in this sector.
Many startups are founded by men who are either engineers or investors. We see very few women founders who usually lead other people to success. Furthermore, there are very few non-white founders in this industry, especially if we compare it to other tech sectors like eCommerce or AR/VR.
This blog post explains why diversity matters and how you can create a more inclusive environment at your startup for everyone to thrive.
Why Does FinTech Lack Diversity?There are many reasons why FinTech sector is so male-dominated. We can blame it on the education system that teaches boys to be rational, logical thinkers while girls are more enthusiastic and creative.
We can also blame it on the fact that many people think that STEM subjects are better suited for boys. Additionally, many people are convinced that it’s easier for boys to pursue a career in STEM fields.
These negative stereotypes about women and their “natural ability” in STEM fields have led to a lack of female representation in FinTech. It’s not only FinTech that lacks female representation. There are numerous industries that have a skewed gender distribution.
One of the main reasons for such a low number of women in STEM fields is that girls/women don’t see many role models.
Equity Has...
The creator economy has found a new space and it’s not holding back. It’s time to re-think Only Fans and redefine its place in the creator economy.
Nicole tears up the rule book with a high signal tear through at why fintech needs to be there for creators and small business owners, Amrapali Gan’s leadership at Only Fans, and highlights from Money 2020.
Quick, sharp and straight to the point.
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Only when you’ve done your time in startups can you offer the kind of support Rex has created for other fintech founders. Find out how. Nicole and Rex dive into why conversation is the key to understanding a founder’s goals, why bringing together is a major high point to his working day, and why writing the second biggest check leads to way more collaboration. And our sponsor MainStreet is making it easy to find thousands of dollars worth of R&D Tax Credits. You only need to plug MainStreet into your payroll and let their team of experts do the heavy lifting, scanning hundreds of federal, state and local tax credits on your behalf. It’s going to save you so much time and your company so much money. Head tohttps://mainstreet.com/tax-credits/?utm_source=workweek&utm_medium=social&utm_campaign=workweek-podcasts&utm_content=podcast ( MainStreet.com) to sign up for their limited time offer. And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech (https://ratethispodcast.com/humansoffintech)
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Follow Rex: LinkedIn: https://www.linkedin.com/in/rexsalisbury (linkedin.com/in/rexsalisbury) Twitter: https://twitter.com/rexsalisbury (https://twitter.com/rexsalisbury)
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/)
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
Timestamps: 0:00 Intro 03:16 How to Build With Understanding 04:14 Bringing People Together 05:21 The Benefits of Authenticity 07:48 All The Uncontested Opportunities Out There 11:37 Rex’ Unique Position 16:04 Find Your People 18:51 Not Always The Mentor Role 19:22 Leveraging The Community 27:13 Fintech Versus The Big Five Why Fintech Founders Need Community
Fintech and financial services are words on the lips of everyone in the industry. Everyone is talking about how these emerging technologies are going to change the world. And, everyone is right. Fintech and financial services have come to stay and drive disruption in every industry they enter. To succeed as a fintech founder, you need to build your company with users and communities in mind. Your product will be part of their lives, so you need to include them in its creation from the beginning. In this blog post, we’ll explain why fintech founders need community as much as they need funding and lawyers. Then, we’ll explore why it’s important to build your company with users and communities in mind from day one as a fintech founder. Why Fintech Founders Need CommunityThe meteoric rise of fintech has come with its fair share of challenges. Fintech investors are investing in disruption and they expect high returns. Fintech founders are asked to change the finance industry as we know it with limited resources. This can be both exciting and terrifying. A fintech founder needs to find the right balance between creating a useful product and marketing that product. They need to find the right balance between talking to users and talking to investors. Fintech founders need to be able to manage product development, marketing, sales, and other aspects of the business all by themselves. Communities of users, partners, investors, and journalists can help fintech founders manage these aspects of a business. A strong community can help you reach your target users, expand your product offering, and create brand awareness. Communities can help you launch and improve your marketing campaigns, too. Why You Should Build Your Company With Users And Communities In MindIf you’re looking to grow your fintech business, you need to build your company with users and communities in mind from the very beginning. Here’s why:...
Join Nicole as she gets into media representation and its link to diversity and equity. You’ll hear Nicole’s unique takes on how those stories impact investment and why outdated, prejudice stereotypes are still all too common in Fintech and the media. WTFintech and Nasdaq Data Link are teaming up to give one lucky fintech company a whole lot of attention. You can enter to win a full Nasdaq VIP guest experience that includes special promotion of your business! Visithttp://www.nasdaq.com/wtfintech ( nasdaq.com/wtfintech) to enter And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast:https://ratethispodcast.com/humansoffintech ( https://ratethispodcast.com/humansoffintech) Thank you so much! You can keep up-to-date with everything Humans of Fintech athttps://workweek.com/brand/wtfintech/ ( https://workweek.com/brand/wtfintech/) And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
What happens when one of the most famous financial experts in the US teams up with a highly successful founder? They change the world. Suze Orman, host of the Women & Money podcast and bestselling author, joins one of her co-founders Devin Miller, an entrepreneur and former COO of Guidant Financial, to talk SecureSave. This is the work benefit that provides emergency savings solutions to help employees prepare for life’s unexpected moments. Nicole, Suze and Devin talk about what it feels like living paycheck to paycheck, why secure employees are more productive, and Suze’s mission to financially educate millions. And our sponsor MainStreet is making it easy to find thousands of dollars worth of R&D Tax Credits. You only need to plug MainStreet into your payroll and let their team of experts do the heavy lifting, scanning hundreds of federal, state and local tax credits on your behalf. It’s going to save you so much time and your company so much money. Head tohttps://mainstreet.com/tax-credits/?utm_source=workweek&utm_medium=social&utm_campaign=workweek-podcasts&utm_content=podcast ( MainStreet.com) to sign up for their limited time offer.
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Follow Devin: LinkedIn: https://www.linkedin.com/in/devinpmiller (inkedin.com/in/devinpmiller)
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You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/)
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider Why You Must Have an Emergency Savings Fund
Every adult knows that life can throw unexpected challenges our way at any moment. These challenges range from minor inconveniences (like car trouble) to major catastrophes (like the loss of a job). Unfortunately, most of us are ill-prepared for such curveballs when they strike. That’s because the majority of Americans have little to no emergency savings. A recent survey found that the average American would be unable to cover an unplanned bill costing $500 without selling personal assets or borrowing money. Why Having an Emergency Fund Is So ImportantThere are many reasons why having an emergency fund is important. First, it can ease the financial burden of unexpected events. Second, it can improve your credit score. And third, it can help you stay on track with your long-term financial goals. Here are some examples of how an emergency fund can help you in a financial pinch: - You lose your job - If you lose your job, you may be eligible for unemployment benefits. However, the duration and amount of these benefits vary from state to state. Furthermore, they are not meant to be a long-term source of income: maximum benefits last a few months at most. - You have a medical emergency - Medical emergencies are common. You never know when you or a loved one might suffer from a serious illness or injury. Having a health insurance policy can help you get the care you need. However, health insurance alone does not cover all costs associated with medical care. - You incur major home-maintenance costs - Homeowners often encounter unexpected expenses when maintaining their property. These may include roof repair, plumbing issues, and electrical malfunctions. - You have a financial emergency - Financial emergencies occur when you need quick cash to meet a payment or cover an expense when you’re short on funds. - You have a sudden car repair - Cars are expensive, and they break down all the time. If you’re lucky, you’ll need a minor repair that...
Join Nicole as she explores the latest Fintech trends and news in this bitesize episode. Find out why so many Fintech founders believe education is the tide that lifts everyone and why we’ve had enough of Silicon Valley tactics when it comes to fintech apps. WTFintech and Nasdaq Data Link are teaming up to give one lucky fintech company a whole lot of attention. You can enter to win a full Nasdaq VIP guest experience that includes special promotion of your business! Visit http://www.nasdaq.com/wtfintech (nasdaq.com/wtfintech) to enter And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech (https://ratethispodcast.com/humansoffintech) Thank you so much!
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/)
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
Dr Iyandra Smith Bryan has enough energy and experience to achieve anything, but it was in fintech she really found her place in the world. Nicole and Iyandra get into the kind of conversation you’re going to want to grab a pen and paper for. Iyandra is the C-Suite exec who loves problem solving. She also believes in true authenticity and questioning the rules. In this no-holds barred conversation, she and Nicole tackle everything from wearing heels, to her role as COO at Quantfury, plus how she’s inspiring other women in fintech to step up and take their place at the top table. And our sponsor MainStreet is making it easy to find thousands of dollars worth of R&D Tax Credits. You only need to plug MainStreet into your payroll and let their team of experts do the heavy lifting, scanning hundreds of federal, state and local tax credits on your behalf. It’s going to save you so much time and your company so much money. Head to https://mainstreet.com/tax-credits/?utm_source=workweek&utm_medium=social&utm_campaign=workweek-podcasts&utm_content=podcast (MainStreet.com) to sign up for their limited time offer. And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech (https://ratethispodcast.com/humansoffintech) Thank you so much! Follow Iyandra: LinkedIn: https://www.linkedin.com/in/dr-iyandra-s-6396a3136 (linkedin.com/in/dr-iyandra-s-6396a3136) Twitter: https://twitter.com/IyandraSmith (https://twitter.com/IyandraSmith) You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/) And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider Timestamps: 0:00 intro 04:29 The Constant Questionner 05:24 Gotta Keep Moving 07:26 Searching Out The Pain Points 14:25 How To Be Happy 15:14 On Not Changing Who You Are 21:30 The Two Things You Need to Know 22:56 I Get Bored Easily 25:46 Thank God I Failed 32:25 Fintech For All A Beginner's Guide to Trading
The trading world can be a daunting one for those new to it. With so many different terms, strategies, and ways to invest, it’s easy to feel left out or confused. Trading is a complex field with many nuances that take time to learn. However, this doesn’t have to be an obstacle. Anyone can become a trader; you just need the right information and the right advice from the outset. This beginner's guide will teach you everything you need to know about trading in general, as well as provide you with some useful tips on how to get started within this exciting industry. What is Trading?Trading is the act of buying and selling assets with the goal of making a profit. Traders engage in this activity by buying assets in one market, and selling them for a higher price in a different market. There are many different trading assets available such as stocks, bonds, commodities, currencies, and even cryptocurrencies. Trading differs from investing in that it is a shorter term process, designed to produce quick results. This means that traders focus on the next few days or weeks, as opposed to the next few years. Trading can be a lucrative way to make a living, but it can also be highly risky. It’s therefore important to have the right information and advice, as well as a solid trading strategy in place before beginning. Types of TradersThere are many different types of traders, each with their own strategies and goals. However, they can generally be categorized into three main types: Arbitrage Traders – These traders look to buy and sell assets in different markets, hoping to make a profit from the discrepancy in prices. They will typically buy in one location, and sell in another to capitalize on the price difference between the two. This is generally a...
When one in four startups are founded by US Latinos, it’s no wonder they’ve attracted the attention of big investment. Laura Moreno Lucas explains why. Laura is a partner at L’attitude Ventures, an early-stage institutional fund that invests in technology and technology-enabled businesses led and owned by US Latinos. Nicole and Laura get into the importance of networks, how education is rebuilding trust in financial institutions, and how underrepresented communities are succeeding, despite the challenges.
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Follow Laura LinkedIn:http://linkedin.com/in/michael-j-broughton (l)https://www.linkedin.com/in/lauraemoreno (linkedin.com/in/lauraemoreno) Twitter: https://twitter.com/lauraemoreno (https://twitter.com/lauraemoreno)
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You heard it here first. Nicole takes you on a 10-minute tear down on what’s going on in Fintech, and why we’re missing the point about Kim’s crypto Ad fine. Join Nicole as she digs into the latest Fintech stories and trends and offers her unique take on what we really need to focus on, including no more fintech apps. Quick, sharp and straight to the point.
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech (https://ratethispodcast.com/humansoffintech)
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When you don’t have a credit history, accessing even the most basic financial services is almost impossible. Find out how Michael Broughton is providing a unique solution. Michael grew up in Japan and Korea before returning to the United States, where he founded Altro, the free credit service helping people build credit through recurring payments and subscriptions Nicole and Michael talk about the innate discrimination of the credit score system, especially for people of color and those in the LGBTQ+ community. You’ll also hear how Altro effectively functions as a not-for-profit to provide solutions for no credit. Michael shares why building a community of investors who share in the mission is important and why financial education is built into the Altro platform. And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech (https://ratethispodcast.com/humansoffintech) Thank you so much! Follow Michael: LinkedIn: http://linkedin.com/in/michael-j-broughton (linkedin.com/in/michael-j-broughton) Twitter: https://twitter.com/mjb4u2008 (https://twitter.com/mjb4u2008) You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/)
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider Nicole is a friend of Workweek, working in partnership to bring you great podcasts on the subjects you love. Find out more at: https://workweek.com/ (https://workweek.com/)
If financial service providers were honest they’d admit, it’s mostly about selling products. But if you’re unsure how these products work, how do you know you need them? Erin Papworth already has a lifetime’s experience in fintech and is working to educate and empower a whole generation to make the best financial decisions possible and improve financial health outcomes. She and Nicole get into conversation about the real truth around financial services, Nav.it’s behavioral science-backed approach, and why getting back to basics is key for future success.
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Dana, through her company Luxus, has blown the world of luxury asset investment wide open. And she’s not stopping there. Find out how this fintech founder is smashing down barriers. Luxus partners with the world’s premium brands, offering fractional ownership of assets including jewelry, rare watches and precious gems.
Nicole and Dana get into conversation about Dana’s experiences opening investment doors for women, why luxury investments should be fun, and why hiring amazing people is at the heart of her long term strategy for success.
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Follow Dana: LinkedIn: http://linkedin.com/in/dana-auslander-218b81180 (linkedin.com/in/dana-auslander-218b81180) Twitter: http://www.twitter.com/luxusassets (twitter.com/luxusassets)
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/)
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
When you’re rejected by the financial product you’re helping to build, you know you need to learn (and change) the system. Find out how Vrinda is doing just that. Welcome to season 3 of Humans of Fintech, the show that brings you the stories of diverse leaders and how they’re transforming the industry from the inside out.
Nicole and Vrinda get into how it felt watching her mom live in fear of being financially frozen out, what it was like to be denied a credit card from the company she was working for, and how Sequin is bringing financial equity and education to a system very much not designed for minority women.
You’ll also hear Vrinda’s plans for the future of Sequin and how she’s helping minority women obtain the knowledge she wasn’t taught at school.
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech (https://ratethispodcast.com/humansoffintech)
Thank you so much!
Follow Vrinda: LinkedIn: https://www.linkedin.com/in/vrindag (linkedin.com/in/vrindag)
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/)
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
The world of fintech is dominated by the same old voices, drowning out diverse founders and operators. Step forward Humans of Fintech. The podcast empowering the stories of diverse leaders at the forefront of change in our industry. Hosted by me, Nicole Casperson, journalist and founder of the WTFintech? newsletter. This season shines a spotlight on those underrepresented fintech founders, zoning in on how they’re leading their companies and creating change. You’ll hear from leaders like finance icon Suze Orman, Founder of Sequin Vrinda Gupta, and L'Attitude Ventures Partner Laura Lucas who are bringing an alternative version of finance to the world by powering new ways of bringing equity across the globe. In every interview, my guest will share how they got into the fintech space, the challenges they’re working to solve, and what drives them. You’ll hear how they found connection in the industry, and how they’re moving the dial when it comes to re-shaping fintech for the better. If you’re desperate to hear fresh perspectives and different voices, Humans of Fintech is the podcast putting humanity back into the industry. Season 3 drops soon with new episodes every Wednesday. Make sure to subscribe wherever you get your podcasts. And if you’ve enjoyed Humans of Fintech, why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
How do you crack business growth and become an advocate for under-represented groups? Lara has the secret sauce that sets her apart as an entrepreneur and activist. Lara and her Co-Founder Stacey Abrams are behind Now, an invoice payment solution that redefines when businesses get paid.
Nicole, Lara and Stacey get into conversation about how they started Now to solve their own problem, why it takes intention to be an advocate for people whose voices are often left out, and the story of their entrepreneurial journey.
You’ll also hear why Lara and Stacey’s differences are their superpowers, why you don’t need a finance background to be successful in fintech, and more about their new book Level Up, a guide for entrepreneurs.
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech (https://ratethispodcast.com/humansoffintech)
Thank you so much!
Follow Lara: LinkedIn: http://linkedin.com/in/larahodgson (linkedin.com/in/larahodgson) Twitter: https://twitter.com/NourishWater (twitter.com/NourishWater)
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/)
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
How do women in fintech, particularly women of color, make change happen? Goodfynd Co-Founder Sofiat, believes in leading by example. Here’s how she’s shaking up the industry. Sofiat is the Co-Founder of Goodfynd, the platform helping mobile businesses grow and customers quickly find their favorite food outlets. In 2007 she was a student at Virginia Tech, scene of a horrific school shooting.
Nicole and Sofiat dive into conversation about why being vulnerable and honest is where change happens, how keeping trauma inside only means you’ll pass it on through your leadership, and the importance of reflecting on your past.
You’ll also hear Sofiat’s hot takes on how badass women can take every opportunity that comes their way, and how a female mentor encouraged her to give back to others.
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech (https://ratethispodcast.com/humansoffintech)
Thank you so much!
Follow Sofiat: LinkedIn: http://linkedin.com/in/sofieabdul (linkedin.com/in/sofieabdul)
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/)
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
How do you bring embedded finance products to millions of people who’ve fallen between the financial cracks? Find out how Ahon Sarkar is building infrastructure through empathy. With almost 20% of the US population still underbanked, basic banking is as far as it goes. Even with the crazy advancements made in fintech, too many are still struggling to access the financial services they need.
Join Nicole as she gets into conversation with Ahon, who’s on a mission to bring humanity to finance with Helix, helping fintech brands build personal banking experiences.
You’ll hear Ahon’s views on why the industry lacks empathy, the economics behind financial inclusion and who’s truly incentivized by it, plus why the fintech industry should be held accountable for reaching underbanked people.
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech (https://ratethispodcast.com/humansoffintech)
Thank you so much!
Follow Ahon LinkedIn: http://linkedin.com/in/ahonsarkar (linkedin.com/in/ahonsarkar)
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/)
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
In an industry where so few AAPI women make it into the private equity world, what’s the secret to Jennifer Lee’s success? She shares her story. Nicole and Jennifer get into why Jennifer wanted to change the world right from early childhood, what it feels like to be awarded a bunch of industry accolades, and how she’s working to lift other women, especially from under-represented groups.
You’ll also hear how self-reflection has led to her colossal success and why it’s important to bring all your human and vulnerable elements into business
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech (https://ratethispodcast.com/humansoffintech)
Thank you so much!
Follow Jennifer LinkedIn: http://linkedin.com/in/jennifer-lee-2a5b9716 (linkedin.com/in/jennifer-lee-2a5b9716)
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/)
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
How do you stay financially stable without sacrificing your mental or physical health? Through a platform that looks after your whole life, not just your money. Kelsey Willock is a first-time founder, crushing entrepreneurship with her platform, Aura. From her own experiences of feeling financially vulnerable, she’s building a platform to help others reach their goals. Nicole and Kelsey get into why she’s helping users gain wealth wellness, what it felt like to leave education in heavy debt, and the truth about rising together as women in leadership.
You’ll also hear Kelsey’s hot takes on why women should move away from a scarcity mindset and start working together to build communities and empower each other.
And if you’re looking to make the best developer hire, you need Lemon. When you want to scale quickly, finding the right support is hard and it slows you down. But with Lemon, the process is made quick and easy with hundreds of developers who’ve been vetted and tested. You’ll get a match within 48-hours, ready to work straight away. Sign up today and get matched at https://lemon.io/ (Lemon.io)
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech (https://ratethispodcast.com/humansoffintech)
Thank you so much!
Follow Kelsey: LinkedIn:http://linkedin.com/in/kelsey-willock-59662a36 ( linkedin.com/in/kelsey-willock-59662a36)
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/)
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
For most Americans, the financial system is broken. But Kurtis Lin is working to fix it. Find out how his company, Pinwheel, is creating financial equity. Nicole and Kurtis get into the weeds of how feeling like an outsider inspired him to find belonging through fintech. You’ll hear Kurtis’ uncomfortable truth about Asian Excellence and how it’s shaped him as a leader, plus why Kurtis wants companies who aren’t moving the dial on financial equity to step back and give him room. You’ll also discover how Pinwheel is building a fairer financial system via payroll APIs and Kurtis’ experiences growing up the son of immigrants. And if you’re looking to make the best developer hire, you need Lemon. When you want to scale quickly, finding the right support is hard and it slows you down. But with Lemon, the process is made quick and easy with hundreds of developers who’ve been vetted and tested. You’ll get a match within 48-hours, ready to work straight away. Sign up today and get matched at https://lemon.io/ (Lemon.io) And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech (https://ratethispodcast.com/humansoffintech)
Thank you so much!
Follow Kurtis: LinkedIn: https://www.linkedin.com/in/kurtislin (linkedin.com/in/kurtislin)
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/)
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
Cannabis banking is still a baby, but Jontae James is on a mission to help banks stay compliant and safe through NatureTrak’s state-of-the-art platform. He’s proud to be disrupting the industry and ready or not, he’s here to shake up fintech and cannabis.
A proud child of the 80s, Jontae had already grown and sold his first company at the age of 28. An entrepreneur from the start, he went from working in venture capital to creating ‘bank-to-seed’ cannabis compliance fintech for banks.
Nicole and Jontae get straight into it. You’ll hear how the incarceration of Jontae’s father for possession of weed influenced his early career choices, why stigmas around cannabis and financial services still exist, and how NatureTrak is fighting back with transparency and technology.
You’ll also hear how Jontae’s growing his company while remaining his authentic self, and the good (and bad) of entrepreneurship.
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech (https://ratethispodcast.com/humansoffintech)
Thank you so much!
Follow Jontae: LinkedIn: https://www.linkedin.com/in/jontae (linkedin.com/in/jontae) Twitter: https://twitter.com/jontaej_ (twitter.com/jontaej_)
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/)
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
On today’s special episode of WTFintech? we’re collaborating with our friends at Yieldstreet to bring you News Bites, a segment where I go over the top trends in fintech via quick bite episodes. In this episode we’ll be covering:
-
Fannie and Freddie Mac making reforms to address inequity in homeownership
-
Apple is set to introduce its own integrated Buy Now Pay Later
-
Staff cuts in fintech
Brought to you by our friends at Yieldstreet (@Yieldstreet on Twitter)
But she is the Vice President of Enterprise Development at Snappy Kraken and believes sales in fintech needs more female voices. Find out how she’s making a difference. Diana Cabrices is in the business of helping financial advisors with automated growth programs and client engagement through the award-winning Snappy Kraken platform.
Nicole and Diana dive straight into conversation talking about Diana’s background as a first generation immigrant and the early experiences that shaped her perspectives around female empowerment. You’ll also hear why fintech needs to lose the ‘girl boss’ epithet, how women leaders can pay it forward, and why sales is the perfect place for more femme energy.
Diana shares her love of Cuban dancing and her background in Business Economics in this conversation covering all things martech and fintech.
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech (https://ratethispodcast.com/humansoffintech)
Thank you so much!
Follow Diana: LinkedIn: https://www.linkedin.com/in/dianacabrices (linkedin.com/in/dianacabrices)
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/)
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
Trevor Marshall is CTO at Current, the challenger bank giving companies like Stripe and Chime a run for their money. Trevor was always going to be a classical percussionist, it’s what he worked so hard for and why he moved to NYC to study. But after an economics lesson, became a math class, which became a computer science course, he knew things had changed.
Nicole and Trevor dig into how he has helped Current become one of the most influential platforms in the industry, how music relates to coding and technology, and why being a creative is a huge advantage in his role.
You’ll also hear how Trevor leverages his creativity to make himself a great communicator with employees and users, and how Current is helping millions of Americans change their lives by creating better financial outcomes.
And if you’re looking for the next investment, why not explore alternative assets? Our episode sponsor Yieldstreet helps you create wealth beyond the stock market. Build a diversified portfolio with a minimum investment commitment of $500. Visit Yieldstreet.com for more information.
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech (https://ratethispodcast.com/humansoffintech)
Thank you so much!
Follow Trevor:
LinkedIn: https://www.linkedin.com/in/trevor-kurth-marshall (linkedin.com/in/trevor-kurth-marshall)
LinkedIn: https://www.linkedin.com/in/milindmehere (linkedin.com/in/milindmehere) Twitter: https://twitter.com/MilindMehere (twitter.com/MilindMehere)
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/)
And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
On today’s special episode of WTFintech? we’re collaborating with our friends at Yieldstreet to bring you News Bites, a segment where I go over the top trends in fintech via quick bite episodes. In this episode we’ll be covering:
-
Web3 wallets: Are they the new star child of fintech?
-
BNPL giant Klarna cuts its workforce by 10%.
-
Neobank Varo could be set to run out of money by the end of the year!
Brought to you by our friends at Yieldstreet (@Yieldstreet on Twitter)
How it started: With Milind receiving poor financial advice as a newly arrived student. How it’s going: $2 billion worth of deals closed through his company, YieldStreet. Nicole and Milind get into conversation about what it feels like to be on the outside of the industry as a young, ambitious entrepreneur, how the worst financial advice started a spark, and why you should always be grateful for the person who first believed in you. You’ll also hear how Milind and YieldStreet are crushing product content and brand awareness, and why alternative assets are bringing equality to investment. And if you’re looking to make the best developer hire, you need Lemon.io. io. When you want to scale quickly, finding the right support is hard and it slows you down. But with Lemon.io, the process is made quick and easy with hundreds of developers who’ve been vetted and tested. You’ll get a match within 48-hours, ready to work straight away. Sign up today and get matched at https://l.lemon.io/wtfintech (https://l.lemon.io/wtfintech)
And if you love listening to Humans of Fintech, please leave me a 5-star review on Rate My Podcast: https://ratethispodcast.com/humansoffintech (https://ratethispodcast.com/humansoffintech)
Thank you so much!
Follow Milind:
LinkedIn: https://www.linkedin.com/in/milindmehere (linkedin.com/in/milindmehere) Twitter: https://twitter.com/MilindMehere (twitter.com/MilindMehere)
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/) And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
On 9/11 2001 Brandis DeSimone was attending the US Naval Academy, decades later she’s using everything she learnt during this horrific time to transform financial services for good. Militaristic terms get thrown around on Wall Street way too easily. The need to destroy the competition, getting bombed with orders or the battle to survive. But Brandis knows first hand how different it really is from active service and is using her influence to cut through the aggression and the egos.
Nicole and Brandis get into what it’s like watching the evolution of a fintech company from startup to IPO, her experience as an outsider in a largely male-dominated environment, and how her military experience translates to her Nasdaq role now.
You’ll also hear about the unique ways Nasdaq is working with fintech companies to drive the future of innovation in financial services.
And if you’re looking to get the best human marketing talent, you need MarketerHire. Finding the right fit is hard and it’s time consuming. But with MarketerHire, the process is made quick and easy with their smart AI platform that efficiently matches you with vetted marketing talent. Sign up today and get matched at https://marketerhire.com/ (marketerhire.com)
Follow Brandis:
LinkedIn: https://www.linkedin.com/in/brandis-desimone-1a19a83 (linkedin.com/in/brandis-desimone-1a19a83)
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/) And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
On today’s special episode of WTFintech? we’re collaborating with our friends at Yieldstreet to bring you News Bites, a segment where I go over the top trends in fintech via quick bite episodes. In this episode we’ll be covering:
-
The TerraUSD Stablecoin collapse
-
A new fintech company fractionalizing investing in rare diamonds
-
Meta’s second attempt to launch a digital currency
Brought to you by our friends at Yieldstreet (@Yieldstreet on Twitter)
Anabel Pérez is a CEO obsessed with bringing financial services to new people and new places. Find out how she’s solving the complex problem of financial inclusion with NovoPayment. Trained as a lawyer and with a full career in banking, Anabel is leveraging Banking as a Service (BaaS) to solve issues around inclusion. With her company NovoPayment she has expanded into 12 countries, has more than 72 deployments and touches more than 12,000 platform users across the Americas.
Nicole and Anabel get into why learning is a process Anabel will never tire of, being recognized with the Paybefore Industry Achievement Award, and transitioning from Venezuela to Miami.
You’ll also hear Anabel’s spicy takes on entrepreneurship, her secret sauce to success as a top Latina fintech founder, and the challenging climate for women founders.
Follow Anabel: LinkedIn: https://www.linkedin.com/in/perezanabel (linkedin.com/in/perezanabel) Twitter: https://twitter.com/APFintech (twitter.com/APFintech)
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/) And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
Growing up in LA, Jean watched her immigrant parents work tirelessly to provide for their family and employees. But when it came to retirement they left themselves vulnerable. Despite owning a grocery store and restaurant, like many small business owners, they failed to invest in their own retirement. This left a huge impression on Jean whose mission, through Penelope, is to make sure every SMB owner has a bright financial future. Nicole and Jean get into why SMBs are the backbone of the US economy, why they remain an untapped source in the Fintech industry, and why, after a career on Wall Street, she’s laser focused on helping people like her parents.
You’ll also hear how Penelope is removing the hassle, jargon and hidden fees that make 401(k) plans prohibitive to most SMB owners.
And if, like Jean, you want to make the most of your investments, talk to our friends at Yieldstreet who help create passive income through diversified investment opportunities, including art and real estate. Curious to know more? Visit http://www.yieldstreet.com (www.yieldstreet.com )
Follow Jean LinkedIn: https://www.linkedin.com/in/jeankimnewyork (linkedin.com/in/jeankimnewyork)
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/) And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
On today’s special episode of WTFintech? we’re collaborating with our friends at Yieldstreet to bring you News Bites, a segment where I go over the top trends in fintech via quick bite episodes. In this episode we’ll be covering: - Crypto Bahamas! And its impact on the digital asset space - Why Gisele Bündchen (boon chen) partnered with FTX - The evolution of NFTs Brought to you by our friends at Yieldstreet (@Yieldstreet on Twitter)
Growing up, Henry believed successful people won because they knew the rules. Now he’s rewriting those rules, making sure more people win when it comes to retirement investment. Retirement is a hot topic and how we invest and prepare for it is crucial. Through his company, Rocket Dollar, Henry has created a platform that lets people invest tax-advantaged retirement dollars into private alternative investments, like venture capital and crypto. Nicole and Henry talk about what it’s like growing up outside the dominant culture, how he felt working in traditional firms like Merrill Lynch, and why sometimes you need to be the change you want to see.
You’ll hear how reflection as a fintech founder is key, why Henry believes you need to confront your own experiences in order to build solutions, and why fintech needs more transparency.
Dive into this fascinating episode and meet a founder determined to rewrite the rules.
Follow Henry: LinkedIn: https://www.linkedin.com/in/henryyoshida (linkedin.com/in/henryyoshida) Twitter: https://twitter.com/henryyoshida (twitter.com/henryyoshida)
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/) And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
When fintech is used right, it can bring outsiders in from the cold. Meet Shruti Joshi, bringing humanity to financial planning. Welcome to season 2 of Humans of Fintech, where Nicole Casperson digs deeper into the humans behind the headlines. Kicking off episode 1, Nicole and Shruti discuss the importance of empowering people with financial knowledge, how money (wrongly) defines identity, and Shruti’s own feelings of feeling like an outsider. Shruti shares how Facet Wealth is turning traditional financial planning on its head, putting human wellness at the center. You’ll also hear why she jumped into Facet Wealth as an early investor, how she drives rapid growth in everything she touches, and how to change the narrative around wealth-building models into something affordable, fun and with accessibility at the heart. And if you’re looking to get the best human marketing talent, you need MarketerHire. Finding the right fit is hard and it’s time consuming. But with MarketerHire, the process is made quick and easy with their smart AI platform that efficiently matches you with vetted marketing talent. Sign up today and get matched at https://marketerhire.com/ (marketerhire.com)
Follow Shruti: LinkedIn: https://www.linkedin.com/in/shruti-joshi-282369a (linkedin.com/in/shruti-joshi-282369a)
You can keep up-to-date with everything Humans of Fintech at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/) And if you’ve enjoyed Humans of Fintech why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
For someone who never felt ready to become a founder, Flori Marquez has nailed that niche. Bringing crypto investing into the real world, find out BlockFi is redefining banking. When traditional marketing around crypto investing is aimed at one demographic, it’s tough to bring equity into that space. But Flori and Co-Founder Zac Prince are changing the mood by providing credit services to markets with limited access to simple financial products. Nicole and Flori get into what it’s like to stand out as a woman in the fintech space, how being a generalist was the best preparation for becoming a founder, and why successful career paths are rarely linear. You’ll hear Flori’s thoughts on how to scale your business without sacrificing culture, why you should stick close to the leaders who inspire you, and why the language we use around crypto and fintech matters, a lot.
And if you’re looking for the next investment, why not explore alternative assets? Our episode sponsor https://www.yieldstreet.com/ (Yieldstreet) helps you create wealth beyond the stock market. Build a diversified portfolio with a minimum investment commitment of $500. Visit Yieldstreet.com for more information.
Follow Flori LinkedIn: https://www.linkedin.com/in/founderflori (linkedin.com/in/founderflori)
You can keep up-to-date with everything WTFinech? at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/) And if you’ve enjoyed WTFintech? Why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
On today’s special episode of WTFintech? we’re collaborating with our friends at Yieldstreet to bring you News Bites, a segment where I go over the top trends in fintech via quick bite episodes. In this episode we’ll be covering: - Mastercard filing trademarks for Metaverse commerce - Neobank Winden’s recent fund raise - Apple launching its “break out” project Brought to you by our friends at Yieldstreet (@Yieldstreet on Twitter)
How did you find your way into Fintech? I bet it wasn’t a conventional path. Every single leader I interviewed last season fell into this industry because, one way or another, they didn’t fit traditional finance or tech norms. Every one had a unique story. I’m Nicole Casperson, and on this season of Humans of Fintech we’re bringing you stories of diverse leaders who were once outsiders, and how they since found belonging in our industry. If you’ve ever felt on the outside of fintech, you’re no t alone. I want you to hear the human side of fintech: the no-holds-barred truth of what it’s like to find belonging in a space when you don’t feel like you fit in. The leaders I speak to took the path less traveled, and they embody what fintech is supposed to be: An alternative version of finance, powered by a new model that gives equal access to everyone. You’ll hear from leaders at companies like Nasdaq, Facet Wealth, and eToro on how they broke down barriers, learn about the people who helped them find belonging, and break down the step s they took to go from outsider to insider.
If you’ve ever felt isolated, or that your perspe ctive just hasn’t been heard before, Humans of Fintech is here to change that. The journey starts on Wednesday May 4th, with new episodes every Wednesday after that. Make sure to subscribe wherever you get your podcasts.
Twitter for investors? Stocktwits is what happens when content meets fintech, helping investors navigate the constant stream of information with its incredible community platform. Back in 2021 more than 10 million retail investors took to the stock market on the back of the Gamestop stock frenzy. But not all of them had the experience and confidence to cut through all the noise and make great choices. And that’s when Stocktwits comes in. Built like a social media platform, it allows investors to interact with financial media, investment/trading services, and the kinds of tools that genuinely add value.
Nicole talks to Rishi about building a 5-million strong community and the truth about entrepreneurship in the fintech space.
You’ll also hear how, in the ever evolving fintech landscape, creating content is a huge responsibility, and which Tupac song can help users on their investing journey.
Follow Rishi:
LinkedIn: https://www.linkedin.com/in/rishikhanna (linkedin.com/in/rishikhanna) Twitter: https://twitter.com/rkhanna (twitter.com/rkhanna)
You can keep up-to-date with everything WTFinech? at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/) And if you’ve enjoyed WTFintech? Why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
On today’s special episode of WTFintech? we’re collaborating with our friends at Yieldstreet to bring you News Bites, a segment where I go over the top trends in fintech via quick bite episodes. In this episode we’ll be covering: - Apple’s expansion into Crypto - Consumer Financial Protection Bureau taking on late fees - Real Estate Investment Trusts popularity growth
Brought to you by our friends at Yieldstreet (@Yieldstreet on Twitter)
With the right data at your fingertips, you can change the world. Without it, you’ll fail. When you’re launching a startup, having the right data is the deciding factor. FinTech Sandbox gives founders free access to the data they need, leading to sustainable and inclusive financial systems. Nicole gets into conversation with Kelly Fryer, Executive Director of the Sandbox and talks through her role leading the organization’s strategy, operations and community. Kelly discusses her experience as Director of the Techstars’ FinTech accelerator program, partnering with major financial services companies, and cultivating Fintech startups. You’ll also hear how her passion for films led her to the Fintech space, how data access leads to more equitable fintech, and what the “fintech ripple effect” is.
Let’s dive in.
Follow Kelly: LinkedIn: https://www.linkedin.com/in/kfryer (linkedin.com/in/kfryer)
You can keep up-to-date with everything WTFinech? at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/) And if you’ve enjoyed WTFintech? Why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
When your mission becomes your work, businesses like Facet Wealth are born. Anders Jones is democratizing wealth management, one subscription at a time. Facet Wealth embodies everything fintech should be. This platform provides highly personalized and unbiased financial advice at an affordable subscription price. In a world where financial planning often comes with a hefty price tag, Anders Jones is leveling the playing field. Nicole and Anders talk about how his mother’s job “helping millions of Americans save for retirement” was a huge influence on his career, why the client/advisor relationship is broken, and Anders’ background as an early stage tech investor.
You’ll also hear how fintech is changing the way financial planning is perceived, and the future growth of Facet Wealth after its $100M raise.
And as founders know, when you’re laser-focused on growing your business it’s great to have the advice of a company like YieldStreet. Helping you make alternative investments in assets like art and real estate, usually only reserved for the very wealthy, building your portfolio and generating long-term wealth. https://www.yieldstreet.com/get-started/) (Get started )today.
Follow Anders: LinkedIn: https://www.linkedin.com/in/anders-jones (linkedin.com/in/anders-jones)
You can keep up-to-date with everything WTFinech? at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/) And if you’ve enjoyed WTFintech? Why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
Home ownership has the power to make or break financial health. Meet Nora, a fintech trailblazer and founder at the forefront of the mortgage revolution. Mortgages account for two-thirds of household debt. Owning your own home can go one of two ways: It can set you up for life or start a steep decline into financial problems that quickly spiral. That’s where Nora and Morty come in. When you’re looking to take on the biggest debt of your life, you need to do it the smart way. Morty helps buyers find exactly what they need, all online and with the greatest amount of choice. Nicole and Nora talk about her background as an engineer, crunch the numbers around women in IT and engineering, and discuss why applying fintech to financial services is a catalyst for positive change.
You’ll hear Nora’s thoughts on why mortgages and homebuying have fallen behind other financial services like credit cards, why the complexities of homebuying hold up innovation, and how she has grown more comfortable in her role as a first time CEO and founder.
All fintech founders accept that with growth comes risk, but Sift offers end-to-end protection against fraud risks that can slow your business down. You can find out more here: http://www.sift.com (www.sift.com)
Follow Nora:
LinkedIn: https://www.linkedin.com/in/noraapsel (linkedin.com/in/noraapsel)
You can keep up-to-date with everything WTFinech? at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/) And if you’ve enjoyed WTFintech? Why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
When Adriana Saman invests, she’s looking for more than just market size. Find out how this VC big hitter is shaping financial inclusion in her day-to-day. Just 1% of the $70 trillion wealth management industry is controlled by women or minority fund managers. The impact? Female and underrepresented founders receive far less investment. But one woman making waves in the venture capital space is Adriana, with a resume that includes positions at Chase’s Digital Payments team and time spent as an Investment Banking Analysist at J.P. Morgan. Nicole and Adriana discuss how Clocktower is investing in fintech companies from pre-seed to series B, in Europe and Latin America, including Alloy, Chime and MoneyLion. Adriana shares how her past experience as an international student from Ecuador has shaped the way she approaches VC, and the power of female leadership in this space. You’ll also learn why Clocktower prioritizes funding founders with a passion and focus on financial inclusion, and not just market size potential. And like many founders, focused on growth it’s vital to stay ahead of fraud risks that can slow your fintech business. That’s where Sift steps in. With end-to-end protection and forensic approach to security, you can find out more here: http://www.sift.com (www.sift.com) Follow Adriana: LinkedIn: https://www.linkedin.com/in/adriana-saman-302ab95a (linkedin.com/in/adriana-saman-302ab95a) Twitter: https://twitter.com/adrisaman (twitter.com/adrisaman)
You can keep up-to-date with everything WTFinech? at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/) And if you’ve enjoyed WTFintech? Why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
On today’s special episode of WTFintech? we’re collaborating with our friends at Yieldstreet to bring you News Bites, a segment where I go over the top trends in fintech via quick bite episodes. In this episode we’re celebrating woman's history month going over: - The important work of Fintech Tala in the space - The new opportunities Fintech DASH is creating in Africa - The robust growth of Real Estate Investment trsut
Brought to you by our friends at Yieldstreet (@Yieldstreet on Twitter)
Kate Anthony isn’t just leveling the playing field, she’s building a whole new one with her company Euphoria, bringing out the best in Fintech and changing lives.. Between 2-6 million people in the United States identify as transgender and 34% of those go without official identity that matches their gender. This gap makes it hard to access banking products. That’s where Euphoria steps in with a suite of technologies offering information, support and, crucially, a banking app that helps transgender people achieve their transition-related goals. Nicole and Kate discuss how the app, Bliss, allows people to plan and save. They talk about some of the key financial struggles the trans community face, and how fintech is helping ease some of those burdens and financial stress points. Kate talks about her own struggles on the path to becoming her true, authentic self and how her relationship with technology has played such a major role in her own transition. You’ll also learn more about Euphoria’s services supporting and advising transgendered people and why 80,000 platform users is just the start. Kate is determined to grow her platform and as founders know, aggressive growth comes with increased risk. That’s when you need Sift, supporting you every step of the way preventing fraud and improving growth with dynamic friction. More information here: http://www.sift.com (www.sift.com) Follow Kate: LinkedIn: https://www.linkedin.com/in/robbikatherineanthony (linkedin.com/in/robbikatherineanthony) You can keep up-to-date with everything WTFinech? at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/) And if you’ve enjoyed WTFintech? Why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
Web3 is more than just NFTs and DAOs, it can help unlock financial inclusion. Find out how Jackie Shoback’s 1414 Ventures is banking on it. Jackie and her team are pouring the dollars into early stage startups, but not just any startups. Through 1414 Ventures she’s helping build the next generation of digital identity technology. Why? Because when Web3 meets fintech it can level the financial playing field. Staples.Yes, the office supplies chain. Jackie pioneered the launch of this household name back in 1998. She grew the business hard, hitting t$1Billion in revenue over 3 years. Not bad considering it was a time before Cloud computing, WiFi and advanced AI. Nicole talks to Jackie about what defines digital identity and its impact on the fintech space, She unpacks how it intersects with payment, cybersecurity, eCommerce and marketing. You’ll also hear how all the challenges of scaling a business during the Web1 era have prepared her to innovate and disrupt during Web3. And how she’s working on securely connecting the real world to the metaverse. Diversity and identity are values shared by episode sponsor Yieldstreet. Helping you make alternative investments in assets like art and real estate, usually only reserved for the very wealthy, building your portfolio and generating long-term wealth. Follow Jackie: LinkedIn: https://www.linkedin.com/in/jackie-shoback-9ab5579 (linkedin.com/in/jackie-shoback-9ab5579) You can keep up-to-date with everything WTFinech? at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/) And if you’ve enjoyed WTFintech? Why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
On today’s special episode of WTFintech? we’re collaborating with our friends at Yieldstreet to bring you News Bites, a segment where I go over the top trends in fintech via quick bite episodes. In this episode we’re going over: Music as the next wave for securitizing bonds Coinbase’s new cash-out option for remittances sent to Mexico Fine wine as a popular investment
Brought to you by our friends at https://www.yieldstreet.com (Yieldstreet) (@Yieldstreet on Twitter)
What do you think about compliance fintech? Stuffy? Serious? You haven’t met Amy Kadomatsu, CEO of ComplySci. You’re never going to see compliance in the same light again. We get it. Compliance isn’t sexy fintech. It’s not something you want to spend a whole lot of time thinking about, but get on the wrong side of it and it can spell disaster for your company. That’s why you need Amy, whose contagiously positive energy is shining a light on an area of fintech that deserves way more attention. Amy tells Nicole why she’s obsessed with innovation, dedicated to entrepreneurship and loves encouraging diversity. Inspired by her Japanese heritage, she brings her culture and experience into her leadership and is a firm believer in being her authentic self with her team. She shares how crucial it is to build a culture of compliance within all your teams and set the example as a leader by investing and engaging in compliance tech. You’ll hear how Amy has created an open and honest working culture at ComplySci since taking over the role of CEO in October 2020. And how she’s (genuinely) making compliance fun. And as Amy knows, when you’re laser-focused on growing your business, it’s easy to overlook those crucial details like compliance and protecting yourself against fraud. Taking a different view is something Amy has in common with this episode’s sponsor YieldStreet. Helping you make alternative investments in assets like art and real estate, usually only reserved for the very wealthy, building your portfolio and generating long-term wealth. https://www.yieldstreet.com/get-started/) (Get started )today Follow Amy: Twitter: https://twitter.com/amyk1313 (twitter.com/amyk1313) LinkedIn: https://www.linkedin.com/in/amykado (linkedin.com/in/amykado) You can keep up-to-date with everything WTFinech? at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/) And if you’ve enjoyed WTFintech? Why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
Celebrating women and the pursuit of equity on this International Women’s Day, meet some of the most inspiring women in Fintech, with WTFintech? host, Nicole Casperson. Hear from highly successful and influential operators in the Fintech space, each striving towards greater representation and working at the highest level. Nicole brings a selection of highlights from the show’s first season, from women motivated by success, mentoring those on the journey and working out what legacy to leave the next generation of women in Fintech, You can keep up-to-date with everything WTFinech? at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/) And if you’ve enjoyed WTFintech? Why not try: Chicks of FinTwit, Tech Unlocked, Breaking Banks or Fintech Insider
Kristen Anderson brings her all to Catch, the benefits platform designed for independent workers. Find out how her values and grit are shaping this Fintech space. When you’ve opted out of the 9 to 5 and work for yourself, it’s too easy to miss out on all the benefits and retirement packages you’re entitled to.That’s where Catch steps in. With no middle man or frigid terms the platform allows users to customize their own plans based on need, tracking income, taxes and health insurance. This value-driven fintech startup taps into the changing state of play in the world of work. And it’s born from Kristen’s real-life values and experiences. Nicole talks with Kristen about her background in math and economics, her less than privileged upbringing and how to scale a fintech like Catch while keeping your company values intact. You’ll learn about Kristen’s experience of going viral in 2021 when a photo of her pregnant and pitching over the phone with VCs lit up Twitter and how she dealt with the reactions, good and bad. Kristen discusses how she encourages other fintech founders to create mission-driven products that create a fairer society and how all these experiences have shaped her into the leader she is today. Follow Kristen: Twitter: https://twitter.com/CatchKristen LinkedIn:https://www.linkedin.com/in/catchkristen/ You can keep up-to-date with everything WTFinech? at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/)
On today’s special episode of WTFintech? we’re collaborating with our friends at Yieldstreet to bring you News Bites, a segment where I go over the top trends in fintech via quick bite episodes. In this episode we’re going over: Grayscale launching its ETF What “Project Hamilton” is and why it matters And a crowd favorite: Fraud in Fintech - including an example from PayPal’s recent woes
Brought to you by our friends at https://www.yieldstreet.com (Yieldstreet) (@Yieldstreet on Twitter)
Without social equity there’s no financial equity. Discover how Dasarte Yarnway, Head of Community at fintech Altruist is paving the way for black leaders to build equity in business. Dasarte Yarnway is driven. At Altruist he’s on a mission to make independent financial advice better and more affordable, and as Founder of Berknell Financial Group he puts those beliefs into action providing educational and transparent wealth management. Discover what drives Dasarte as he talks to Nicole about sharing different journeys and experiences with Black professionals in financial services and the importance of representation and equity. He unpacks tangible action points to create an inclusive business, how to deal with inequity when starting out in the fintech space, and how he’s spreading the word through The Young Money podcast and Altruist’s Advisor of Tomorrow podcast. Follow Dasarte: Twitter: https://twitter.com/DasarteYarnway LinkedIn: https://www.linkedin.com/in/dasarte-yarnway-b3b39443/ You can keep up-to-date with everything WTFinech? at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/)
Jacqueline Schadeck has seen financial hardship up close and personal. Now she is leveraging digital tools to make sure others don’t slip through the cracks. Jacqueline has witnessed first hand the effects bad financial advice had on her family, who wound up losing everything. With only 4% of financial planning professionals from Black and Latinx heritage, and women accounting for just 15-20%, profound gender and racial gaps make it hard to find tailor-made advice. Jacqueline is pioneering change with her Digital Advisor Success Accelerator. This mentoring program empowers women and people of color to thrive in the financial planning space, using social media and digital tools to grow her financial planning business in the fintech space. She shares how her experiences define her goals and values, and what it’s like helping clients achieve financial success. To sign up for Digital Advisor Success Accelerator https://docs.google.com/forms/d/1nLVEO4A-8eNKE-wn0W2JoULSpObZLKGwaQdLwcfw1Sk/edit?usp=sharing (click here). Follow Jacqueline: LinkedIn: https://www.linkedin.com/in/jacqueline-schadeck-cfp%C2%AE-awma%C2%AE-7151a8b7 (linkedin.com/in/jacqueline-schadeck-cfp®-awma®-7151a8b7) You can keep up-to-date with everything WTFinech? at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/)
On today’s special episode of WTFintech? we’re collaborating with our friends at Yieldstreet to bring you News Bites, a segment where I go over the top trends in fintech via quick bite episodes. In this episode we’re going over: The Amazon vs. Visa dispute Plaid’s acquisition of Cognito And Coinbase’s partnership with Mastercard to simplify NFT purchases
Brought to you by our friends at https://www.yieldstreet.com (Yieldstreet) (@Yieldstreet on Twitter)
What happened when Clay Gardner decided it was time to democratize Wall Street? He changed the game and Titan was born. Now the company he co-founded with Joe Percoco and Max Bernardy has been named one of the next billion-dollar startups by Forbes, and Clay is only just getting started. Titan is the mobile app making investment accessible to anyone with a mobile phone. Bringing on board the next generation of investors, the app is breaking down the barriers of elitism surrounding Wall Street and heading into the next wave of growth with crypto offerings and alternative investments. And this fintech startup’s wild success and culture of inclusion made sure they got recognized by Crunchbase as one of the Top 30 Companies Founded by Black and Latinx Entrepreneurs That Raised The Most Funding in 2021. Clay shares his experiences as a hedge fund investor, his ambitious plans for the future and what it’s like breaking barriers in the fintech investment space. Follow Clay : Twitter: https://twitter.com/virtualclay (https://twitter.com/virtualclay) LinkedIn:https://www.linkedin.com/in/claytongardner (linkedin.com/in/claytongardner) You can keep up-to-date with everything WTFinech? at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/)
Donna DeBerry is a pioneer for all things fintech, inclusion and diversity. As a VP at Seismic Software, she leads global inclusion strategies that position her company on the world stage. And she’ll be sharing how she’s transformed the global branding for other brands, like Nike, JPMorgan and Indeed. Alongside her work as CEO of the Central San Diego Black Chamber of Commerce, Donna’s an in-demand speaker and winner of numerous awards and recognitions. She’s worked on the Oprah Winfrey Show and attributes her incredible drive to her time with the National Football League and United States Olympic Committee. Donna shares why leaders should be chasing diversity, equity and inclusion (DEI) to grow their bottom line, why the difference between equity and equality means everything, and how DEI strategies are crucial for fintech to really make a difference in the world. Follow Donna on: Twitter: @Donna_DeBerry LinkedIn: donnadeberry You can keep up-to-date with everything WTFinech? at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/)
On today’s special episode of WTFintech? we’re collaborating with our friends at Yieldstreet to bring you News Bites, a segment where I go over the top trends in fintech via quick bite episodes. Today, we’re covering: The rise of the ‘Gen I’ investor and WTF it means BNPL and why the CFPB is asking questions Metaverse as a trillion dollar marketplace
Brought to you by our friends at https://www.yieldstreet.com (Yieldstreet) (@Yieldstreet on Twitter)
Today I’m interviewing Anthony Zhang, founder and CEO of Vinovest, a fintech for fine wine investing. With Vinovest, retail investors can build, track, and analyze their own fully-insured wine portfolios — an asset class that's traditionally only been available to less than 1% of all investors (and one that's appreciated nearly 130% over the last decade). As for Anthony, he founded three companies by age 25, sold one to a Walmart subsidiary and has been funded by Mark Cuban and Peter Thiel. Tune in to hear me ask Anthony about ditching class, raising $100,000 in college, and the future of alternative investing.
Keep up with Vinovest:@Vinovest1 and Anthony: @anthony_j_zhang You can keep up-to-date with everything WTFinech? at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/)
Today I’m coming at you with some fresh news as fintech Stash announced that Smart Portfolio, its fully managed account, will introduce Bitcoin and Ethereum exposure via handpicked trusts managed by Grayscale. With us to discuss the news is Elizabeth Marchetti, Director of Investment Strategy at Stash. Tune in to get the full details on the announcement. This content is for educational and informational purposes only. Nothing in this content should be construed as Investment, Tax or Legal advice.
Today on WTFintech? I’m interviewing Steve Larsen, a certified financial planner, adviser and Co-Founder of PlannerDAO, a decentralized community of financial professionals promoting economic freedom, universal fiduciary standards, and access to financial services for all. Steve and I dive into all things decentralization – from NFTs to the metaverse. Tune in to understand everything that comprises the new decentralized internet, or Web3. You can follow PlannerDAO on Twitter @PlannerDAO You can keep up-to-date with everything WTFinech? at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/) This episode of WTFintech is brought to you by our friends at https://www.yieldstreet.com (Yieldstreet).
Today’s episode hits a little different. I’m doing something totally new because I’m not trying to leave any gaps in your fintech knowledge. That’s why twice a month, I’ll be collaborating with our friends at Yieldstreet to host episodes where I go over the latest news, insights, and trends in fintech via shorter, newsier, quick bite episodes. Today’s episode covers: What could come of the power struggle between the CFPB and FDIC Future of crypto regulation How UK challenger bank Monzo made a comeback Integrated payment options How real estate meets fintech Fintech for SMBs
Brought to you by our friends at https://www.yieldstreet.com (Yieldstreet) (@Yieldstreet on Twitter)
Today on WTFintech? I'm interviewing Grace Mellis, the first ever CFO of Altruist, a Los Angeles-based fintech and the first fully-integrated digital brokerage platform for financial advisors. Grace is bringing the heat to the fintech and wealthtech space as she’s made it her mission as CFO to ensure diversity, inclusion, and equity continue to be woven into every facet of the company. In our conversation we get candid about Grace’s story as a fintech leader, the future of wealth tech, and what’s up next for Altruist. You can follow Altruist on Twitter @altruist Check out Grace’s finlit book for kids: https://www.barnesandnoble.com/w/koa-the-crocodile-grace-mellis/1140522117 (https://www.barnesandnoble.com/w/koa-the-crocodile-grace-mellis/1140522117) You can keep up-to-date with everything WTFinech? at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/) This episode of WTFintech is brought to you by our friends at https://www.yieldstreet.com (Yieldstreet).
Today on WTFintech? I'm interviewing Amy Nauiokas, the co-founder and co-CIO of Anthemis. She’s also the founder and CEO of award-winning production company Archer Gray, which promotes and amplifies a wide array of underrepresented voices and stories. Amy is committed to investing in diverse founders - especially women and women of color. In fact, she’s also the CEO and Chair of Anthemis Digital Acquistions, a 100% female-led and ESG-focused special purpose acquisition company. You can follow Anthemis on Twitter @anthemis You can keep up-to-date with everything WTFinech? at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/) This episode of WTFintech is brought to you by our friends at https://www.yieldstreet.com (Yieldstreet).
Today on WTFintech? I'm interviewing Miguel Fernandez, co-founder, and CEO of Capchase, a fintech for recurring-revenue companies to secure non-dilutive capital. In short, Capchase is for industry by industry as a software as a service company for fintech companies. In this episode, we dive deeper into what that means while covering Miguel’s values and how Capchase is breaking the creative bankruptcy that has existed far too long in the world of B2B. You can follow Capchase on Twitter @GetCapchase You can keep up-to-date with everything WTFinech? at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/)
Today on WTFintech? I'm interviewing Sarah Kirshbaum Levy, CEO of Betterment, the nation’s largest independent digital investment advisor. Under Sarah’s leadership, Betterment’s growth has gone through the roof with $33 billion in AUM and more than 700,000 clients. Sarah’s street cred is unmatched as former COO of Nickelodeon and Viacom Media Networks’ where she oversaw iconic brands we all know and love -- including MTV, Comedy Central, and BET. In this episode, Sarah dives deep into her story and the future of Betterment while we celebrate her one year anniversary as CEO!
You can follow Betterment on Twitter @Betterment You can keep up-to-date with everything WTFinech? at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/) This episode of WTFintech is brought to you by our friends at https://www.yieldstreet.com (Yieldstreet).
Today on WTFintech? I'm interviewing Lule Demmissie, CEO of eToro U.S. Lule Demmissie is the CEO of eToro U.S., a digital currency trading platform that connects more than 20 million users worldwide. eToro is also slated to go public via SPAC, valuing the company at over $10 billion. Lule once was wealth-management director at TD Ameritrade and, more recently, president at Ally Invest. She’s also a fierce inspiration for representation in fintech. You can follow her on Twitter @luledemmissie You can keep up-to-date with everything WTFinech? at https://workweek.com/brand/wtfintech/ This episode of WTFintech is brought to you by our friends at Yieldstreet.
WTFintech? is a podcast for fintech professionals who want to shape the future of the industry with innovation and inclusion. Hosted by Nicole Casperson, fintech reporter-turned-creator, WTFintech? gives fintech professionals the news and analysis they need to get ahead in their careers — and hosts interviews with founders and investors you won’t hear anywhere else.