Fintech Impact

In this 160th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Frederik Mennes (OneSpan), John Pitts (Plaid), & Yoseph West (Relay) to discuss the state of Open Banking in the United States! Episode Highlights: ● 0:50 – John Pitts introduces himself and Plaid. ● 1:32 – Yoseph West introduces himself and Relay. ● 2:08 – Frederik Mennes introduces himself and OneSpan. ● 3:22 – What is the state of affairs in the US for Open Banking right now? ● 5:52 – Frederik addresses the fundamental differences between the US and Europe in their approaches to Open Banking. ● 7:00 – How has the state of regulations in the US impacted Relay’s growth? ● 8:30 – What are the incentives and motivations for Plaid’s clients on the bank side? ● 11:34 – Frederick shares about OneSpan’s client education around security in Open Banking. ● 13:30 – John explains why he thinks that regulations are not as vital as

In this 159th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Hesus Inoma and Daniel Döderlein. As 2 pioneers of Open Banking in Europe, Daniel and Hesus are here to discuss the current movements and innovations of world leaders in European Banking!Episode Highlights:0:18 – Jason explains why he is hosting a 5–part series on Open Banking.1:41 – Daniel Döderlein introduces himself and what he does.2:29 – Hesus Inoma introduces himself and his professional experience.3:32 – Daniel defines Open Banking for the layperson.9:16 – What is PSD2 and what was its impact?12:20 – Jason and Hesus break down how banks will win or lose with Open Banking.15:36 – Daniel explains how banks have been rotten and spoiled for so long.19:39 – What will happen to big banks in the future with Open Banking?26:46 – Jason, Hesus, and Daniel discuss the shift in innovation that is happening in banking right now.32:52 – What does the customer really want and where

In this 158th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Jennifer Couldrey, the Executive Director of The Upside Foundation of Canada, an organization that enables equity donations by Canadian business founders who wish to make a positive impact on the future of their communities!Episode Highlights:1:20 – Jennifer Couldrey introduces The Upside Foundation.2:14 – How did Jennifer get into this business and how did The Upside Foundation get its start?3:52 – Jennifer breaks down The Upside model.5:56 – Why are these Canadian founders interested in donating equity?8:05 – Jason and Jennifer talk about how The Upside Foundation thrives in the long-game.9:07 – What does a typical deal look like and what factors play into these parameters?10:59 – Where are the donations being directed?13:01 – Is this a one-time donation or a continuously-managed fund?14:59 – Jason and Jennifer discuss how people view different charities.21:12 – What is t

In this 157th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Lil Roberts, CEO of Xendoo, an online accounting firm that aims to serve small businesses by simplifying the bookkeeping process!Episode Highlights:0:32 – Lil Roberts introduces Xendoo and its mission.0:56 – What was the inspiration behind the creation of Xendoo?1:36 – Lil shares her journey that led to the creation of Xendoo.3:22 – Jason and Lil talk about the importance of knowing your numbers when it comes time to scale.5:56 – Lil and Jason discuss the competition in the accounting industry.8:28 – Jason and Lil dive into the low bar of understanding for what people should expect from their accountant.11:40 – Lil explains why the concept of dropping off your paperwork is one of the past.13:48 – What tools are in Xendoo’s tech stack and why were those chosen?17:00 – Jason and Lil talk about the importance of being organized with your tax paperwork.18:45 – How much fun is i

In this 156th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Zachary Dan, CoFounder and CTO of Act Analytics, a platform that helps financial advisors make better decisions around environmental, social, and governmental factors!Episode Highlights: 0:41 – Zachary Dan introduces Act Analytics.1:04 – What led Zachary to create Act Analytics.2:14 – Jason discusses the issues that exist in the ESG area.4:12 – How does Zachary score industries with ESG factors?8:09 – Zachary discusses the challenges presented by a high–level of customization in regard to customer experience.9:12 – What does the user experience look like from start to finish?11:14 – How often is the data updated?11:38 – Zachary dives into the sources of data that Act Analytics utilizes.14:01 – What has the feedback been like from Act Analytics’s earliest users?16:00 – Zachary shares his thoughts on future innovations for the platform.17:49 – If Zachary could change one

In this 155th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Christopher Doyle, the CEO of Billd, a vendor–financing company that allows contractors to purchase materials via credit so they can take on bigger projects!Episode Highlights:0:32 – Christopher Doyle introduces Billd and its role in the construction industry.1:17 – How did Billd get started and what motivated it?3:47 – What were the challenges of trying to make this platform work with being able to profile the clients accurately?6:27 – Why is commercial construction way worse than individual contractors?9:00 – Jason and Christopher discuss the risks involved in this business.10:55 – What does the process look like for contractors looking to work with Billd?13:06 – Where is the money coming from when it’s time to get paid back?14:23 – What kind of feedback is Billd getting from its clients?15:44 – Christopher discusses what has surprised him the most.18:15 – Jason and Chris

In this 154th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host is interviewed by Guy Anderson about what has been going on for the last 12 months!Episode Highlights:0:57 – Guy and Jason touch on Jason’s podcast rankings and success in 2020.2:40 – There are many subcategories in the Fintech industry.3:24 – What episodes did people like the most this year?5:48 – Are there any past guests that have made changes that Jason wants to have back on?7:12 – What are some exciting new technologies in the Fintech space?9:20 – Jason breaks down Cinchy’s strategies for connecting data with bilateral communication.10:37 – What is Jason looking forward to in 2021?11:40 – Jason dives into no-code platforms that are changing tech.14:28 – Would you spend $120/year for software that would save you 1 minute every day?17:25 – Jason discusses how automated software is benefiting businesses everywhere.19:48 – Guy and Jason talk about the painful process that used to be

In this 153rd episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Sara Green Broderson from Canaree, an online projection tool that holds the hands of startups by building their financial model and providing financial advice!Episode Highlights:0:36 – Sara Green Broderson introduces Canaree.1:38 – What is Sara’s history before and with Canaree?4:31 – How does the Canaree end-user experience look from start to finish?6:06 – Has Canaree involved API connections to accounting software or data aggregation?6:50 – Jason vents about his frustration with Canada’s lack of an open–banking policy.7:46 – What drives fundraising? Choice or demand?10:02 – What are the plans for further development of Canaree?11:17 – Where does Canaree get its current benchmark data?12:03 – What is the early feedback from Canaree’s clients?14:09 – Jason and Sara discuss what it’s like being a female founder in the Fintech industry.22:01 – How would Sara change the financ

In this 152nd episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Richard Owen, VP of Sales for Retail Wealth Management in North America for Ortec, a company that projects out returns for a variety of asset classes through the use of sophisticated econometric models! Episode Highlights: ● 0:39 – Richard Owen introduces Ortec and the services it provides. ● 3:02 – How did Richard come to be involved with Ortec? ● 4:32 – Jason and Richard compare Monte Carlo analysis and Ortec’s analytical strategy. ● 7:28 – Richard and Jason break down the differences between financial projection companies in Canada and Ortec. ● 11:17 – Jason and Richard discuss Ortec’s core capability of providing a realistic view of the future. ● 16:06 – How often do Ortec’s algorithms shift and adjust with the market? ● 18:18 – Richard breaks down just how specific of information their models bring to advisors. ● 20:11 – How

In this 151st episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Matthew Unger, the CEO of iComply, a company that deploys intelligent compliance management services! Episode Highlights: ● 0:35 – Matthew Unger introduces iComply. ● 1:18 – What was the origin of iComply and why did Matthew create it? ● 5:21 – How is iComply different from its competition? ● 8:49 – Jason translates iComply’s platform into layman’s terms. ● 10:15 – Matthew discusses the growing possibilities of client-side processing. ● 15:10 – How does iComply protect the user experience? ● 17:00 – Matthew breaks down the validation problems of current API–based KYC data services. ● 20:57 – What would Matthew change about his industry as a whole? ● 23:08 – Matthew discusses the biggest challenge in getting iComply to where it is today. ● 25:02 – What excites Matthew the most about what he does? 3 Key Points 1

In this 150th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Bill Winterberg, Founder of FP Pad, a source of educational content on tech for financial advising and forecasting. Bill is here to have a friendly chat about the current state of affairs as well as the future of tech in the world of financial advising!Episode Highlights:0:38 – Bill Winterberg introduces his website, FP Pad.3:04 – What did Bill do before he founded FP Pad?5:14 – Ted shares his dream before he went to college.9:35 – How painful was the state of affairs of technology when Bill got into financial advising?11:52 – Jason and Bill dive into the effects that AWS played on the cloud technology boom.15:42 – What are Bill’s best practices when he takes on a new client?20:53 – How much of an obstacle does changing the behavior of people in the firm represent?24:30 – Jason and Bill break down how to scale without integrating more than a firm can handle.28:08 – Where do

In this 149th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Mahima Poddar, the Senior Vice President of Digital Banking Strategy at Equitable Bank and head of EQ Bank!Episode Highlights:0:40 – Mahima Poddar introduces Equitable Bank and EQ Bank.1:15 – How did Mahima get to her current career?2:10 – What was the genesis of the decision to move to a Challenger bank?5:05 – Jason breaks down the banking system in Canada.6:55 – Mahima discusses the problems with lending/depositing with big banks.10:15 – Jason and Mahima vent about the dark patterns that big banks have with their accounts.15:30 – Challenger banks could have made the COVID-loan processes much simpler.17:02 – How does EQ collaborate with other players in the Challenger space?21:07 – Jason and Mahima dive into the willingness of the Canadian people to make a banking change.24:08 – What are the biggest concerns with open banking in different countries?29:37 – Mahima talks abo

In this 148th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Gangesh Ganesan, the Founder and CEO of PeerNova, a data management company that helps companies get control of their data to empower growth!Episode Highlights:0:32 – Gangesh Ganesan introduces PeerNova and its services.3:01 – How badly does it look when a company comes to PeerNova?5:10 – How do companies get onboarded and work with PeerNova?7:03 – Jason breaks down what a data lake is for those who don’t know.7:47 – What answers do clients get when they finish the onboarding process?10:20 – What are the biggest challenges that lead to data being inaccurate?15:00 – Do clients give positive feedback once they are onboarded with Peernova?18:47 – How does getting the data situation under control empower future innovation within these companies?20:54 – Jason explains the concept of low-code and no-code platforms.21:45 – Gangesh and Jason talk about the next level of AI and tren

In this 147th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews John Wu, CEO of Ava Labs, a blockchain company focused on financial institutions!Episode Highlights:0:33 – John Wu introduces Ava Labs.1:07 – John dives into his storied career in emerging technologies.5:38 – How did John dive into the world of blockchain?7:20 – The owner of Ava Labs reached out to join forces with John.8:00 – How does Ava Labs solve many of the problems that others do not?9:57 – Jason and John dive into the problems with crypto exchanges that exist today.13:50 – John breaks down the reason that blockchain integration will take a long time.16:28 – Jason and John talk about the evolution of banking and plastic payments.21:47 – How does the blockchain scale without forgetting about the libertarians that have helped build it?24:50 – Jason and John look 10 years into the future of blockchain.27:19 – If John could change one thing about his industry, what would

In this 146th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Daniel Döderlein, the Founder and CEO of Auka, the tech company that helped pioneer mobile-cash transfers in Europe!Episode Highlights:0:37 – Daniel introduces Auka and its journey.1:26 – Daniel talks about his history as an entrepreneur.6:15 – Jason and Daniel dive into the regulations that technology companies face and how they are used as a cop-out.11:03 – What was the genesis of Auka?19:20 – Daniel talks about the introduction of the smartphone and how that changed the mobile-finance game.22:32 – mCash lost its patent protection, leading to banks launching their own mobile-payment systems.24:10 – Daniel talks about his decision to take their mobile-payment system to the international market.27:02 – What does Settle, the next leg of the journey, look like?31:57 – What is one thing that Daniel would change in the ecosystem of his industry?33:53 – What was the biggest chal

In this 145th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Sam Bakken, the Senior Product Marketing Manager at OneSpan. OneSpan is a cybersecurity technology company that works to improve customer experience by improving security systems using things such as biometrics. Sam is here to talk about biometrics and the role that it will play in the future of technological security!Episode Highlights:0:36 – Sam introduces OneSpan and the services that it provides.1:40 – Diving into the history of OneSpan and how Sam got involved.3:41 – Sam defines biometrics and how they are built.4:59 – Where does Sam see biometrics going in the future?7:15 – How much of a challenge is it for security-minded companies competing with the likes of Apple?10:28 – In what fashion are we using biometrics today without knowing?12:55 – Sam breaks down the multitude of biometrics information that comes together in technological security systems.14:20 – Mike and

In this 144th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Michael Kane, co-founder of Hydrogen Platform, a fintech company working to build seamless financial platforms in an attempt to digitize the world financial system. Episode Highlights: ● 0:38 – Michael Kane introduces Hydrogen Platform. ● 1:22 – How did Hydrogen come to be? ● 3:22 – What is it like for Michael running a company with his twin brother? ● 4:55 – Michael breaks down the different fintech solutions that Hydrogen Platform offers to end-users. ● 12:20 – Explain the concept of high-code, low-code, and no-code programming. ● 18:03 – How does Michael see the end-vision for other brands and companies leveraging Hydrogen Platform and other platforms like it? ● 24:44 – Collaboration between the financial and tech industries will only grow in the future. ● 27:43 – Michael believes that pricing is far too high in his industry.&

In this 143rd episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Heinrich Zetlmayer, the Founder and CEO of Blockchain Valley Ventures, a Swiss venture firm that focuses on industry-leading blockchain businesses.Episode Highlights: 0:32 – Heinrich introduces Blockchain Valley Ventures.1:48 – Heinrich left IBM in 2008 to enter the venture capital industry.2:55 – Investments in the blockchain space needed to be separated from the business.4:26 – Blockchain Valley Ventures helps entrepreneurs by taking care of their problems.5:48 – Switzerland is a hotspot in the crypto world because of its unique regulations.7:07 – BVV invests in only two types of sectors.8:18 – With all the remote working brought on by COVID, Keyless has been brought to the forefront.9:32 – Heinrich discusses the multiple clusters in the supply chain management industry.12:03 – How are consumers finding product-market fit right now?17:49 – What excites Heinrich about

In this 142nd episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Matthew Bogart, Vice President of Marketing at NexJ Systems, a financial-specific CRM and data analytics tool. Episode Highlights: ● 00:27 – Matthew Bogart introduces himself and NexJ Systems. ● 01:35 – What is the history of NexJ ? ● 02:30 – How does NexJ go beyond just basic tracking? ● 03:48 – How has NexJ’s customer base evolved? ● 04:42 – What do they offer financial advisors? ● 06:12 – Matthew Bogart discusses the data points that NexJ looks at. ● 10:27 – NexJ has been around since 2004. ● 10:48 – What does Matthew see coming down the pipeline? ● 19:29 – Those that engage the most with their clients drive loyalty and are also usually the higher performing firms. ● 20:19 – What would Matthew Bogart change in his business or industry? ● 21:04 – What have been the biggest challenges Matthew Bogart has faced?&nbs

In this 141st episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Ned Phillips, Founder and CEO of Bambu. Bambu is a digital platform that helps businesses deploy robo advisor solutions quickly, fast, and customized. Episode Highlights: ● 00:56 – Ned Phillips introduces himself and Bambu. ● 02:48 – What led to the creation of Bambu? ● 04:04 – What was it about robo advisors that they gravitated towards? ● 05:50 – What problems did they run into with Bambu? ● 09:15 – When customers want Bambu to build them a robo advisor, what does that experience look like? ● 12:47 – What have been the responses to their robo advisors? ● 16:11 – How far down market in terms of client size or enterprise does Ned see this going? ● 17:48 – What does the pricing look like? ● 22:08 – What has demand been looking like? ● 26:04 – What would Ned Phillips change in his business or industry? ● 27:17 – What