Wrap Up

Sam Boboev

Conversation about finance, tech, AI, and crypto

  1. 16 hr ago

    The Payment Stack Was Not Built for AI - Philip Bruno (CSGO, ACI Worldwide)

    AI agents are beginning to shop, negotiate and make payments on behalf of consumers and businesses. But most payment infrastructure, compliance rules and liability frameworks were designed for humans. In this episode of the WRAP UP Podcast, I sit down with Philip Bruno, Chief Strategy and Growth Officer at ACI Worldwide, to explore how the payments industry must adapt to the emerging machine economy. We discuss why merchants may need to stop blocking bots and start distinguishing trusted customer agents from malicious ones. Philip explains why businesses should remain independent of any single agentic commerce protocol and how payment orchestration could help them support new protocols, rails and payment methods without losing control of their customer relationships. We also examine one of the biggest unanswered questions in agentic commerce: who is liable when an AI agent makes a mistake? Philip shares his view on how today’s payment rules are being applied to agent-led transactions and why new commercial and regulatory frameworks will be needed. The conversation then turns to what Philip calls the “three-horse race” between stablecoins, tokenised bank deposits and instant payments. We break down where each option could succeed, why instant payments may eventually overtake debit cards globally, and how stablecoins could become especially important for cross-border payments and markets with unstable currencies. Philip also explains ACI Worldwide’s approach to intelligent payment orchestration, including technology that can identify transactions likely to fail, recommend repairs and reduce the time required to fix a wire payment from around 40 minutes to two minutes. We also discuss: Why B2B agentic commerce could become much larger than consumer agentic commerceHow AI agents could transform procurement and automate bidding between businessesWhether AI companies require a new payments and usage-based billing stackHow merchants can decide which payment methods and protocols to supportWhy payment orchestration must remain independent of individual processors and railsHow banks are preparing for instant payments, stablecoins and tokenised depositsWhat the growth of local instant payment systems means for cards and cashWhy experimentation may be the only viable strategy as payments continue to fragmentACI Worldwide’s first US customer for its Kinetic cloud-native payments platform_________ LinkedIn: https://www.linkedin.com/in/sirojboboev/ Newsletter: https://www.fintechwrapup.com/ Instagram: https://www.instagram.com/wrapuppodcast/ Tiktok: https://www.tiktok.com/@wrapuppodcast X: https://x.com/samboboev

    The Payment Stack Was Not Built for AI - Philip Bruno (CSGO, ACI Worldwide)

  2. 25 Sept

    The AI Bank Is Already Being Built - Eric Young (CTO, Nubank)

    What does it take to turn one of the world’s largest digital banks into an AI-first company? In this episode of the WRAP UP podcast, I sit down with Eric Young, CTO of Nubank, to discuss how the company is using AI across engineering, credit, and customer experiences. Nubank has reported that its weekly AI token use grew almost 10x since the beginning of the year, while engineering productivity increased by 50% and testing cycles became 90% faster. Eric explains how the company thinks about the return on that investment, why there is no single perfect productivity metric, and how Nubank measures changes in code delivery, product velocity and automation without reducing the work to a simplistic scorecard. We discuss why Nubank is not betting on one AI provider or one model. Eric shares how the company dynamically routes workloads across different models based on performance, cost and quality, while also exploring self-hosted open-weight models. He explains why flexibility matters in a market where model capabilities are shifting quickly. Eric also takes us inside Nubank’s own foundation-model work. With 135 million customers and hundreds of terabytes of financial and app-event data flowing through the platform each year, Nubank is building models that can better understand financial behaviour, improve credit decisions, support responsible lending and personalise experiences at scale. We also discuss the harder side of AI in banking: • How AI can help banks detect fraud patterns in real time • Why clean, structured data can be a bigger advantage than simply having more data • How Nubank tests and evaluates AI systems before exposing them to customers • Where human oversight remains essential when AI interacts with financial decisions • How the company approaches accountability, guardrails and customer protection • Why incumbents with decades of data may still struggle if their data is fragmented or poorly structured • What Nubank sees as the real competitive challenge: rising customer expectations • The skills engineers, product managers and designers need to succeed in an AI-first organisation ______________ LinkedIn: https://www.linkedin.com/in/sirojboboev/ Newsletter: https://www.fintechwrapup.com/ Instagram: https://www.instagram.com/wrapuppodcast/ Tiktok: https://www.tiktok.com/@wrapuppodcast X: https://x.com/samboboev

    The AI Bank Is Already Being Built - Eric Young (CTO, Nubank)

  3. 18 Sept

    How AI is making online fraud more sophisticated and how to stop it - Tamas Kadar (CEO, SEON)

    AI has made fraud cheaper, faster, and harder to spot. Deepfakes can pass visual checks, agents can move through websites on behalf of users, and fraud rings are buying real accounts through Telegram marketplaces. In this episode of WRAP UP, I sit down with Tamas Kadar, co-founder and CEO of SEON, to discuss how AI is making online fraud more sophisticated and what banks, fintechs and digital businesses can do to stop it. We explore how deepfakes, synthetic identities and AI agents are helping fraudsters automate attacks at scale. Tamas explains why a face, document or video is no longer enough to verify a customer, and why fraud detection now needs to go beyond a single KYC check. We discuss the signals that matter, including email, phone, IP, device intelligence, digital footprints and behavioural data. Tamas explains why risk teams need to monitor the full customer journey, from registration and onboarding to login and transaction, rather than rely on separate tools that only assess risk at one point in time. We also cover account takeover through breached credentials and the growing threat of account handover, where real people open verified accounts that are later sold through Telegram and dark web marketplaces. These accounts can then be used for mule activity, scams and moving illicit funds. Tamas shares how SEON has expanded its risk intelligence to more than 1,100 signals, how financial institutions can combine this data with their own internal AI models, and why dynamic friction is key: letting genuine customers move smoothly while introducing extra verification only when activity looks suspicious. Finally, we discuss what banks and fintechs should do now to prepare for AI-driven fraud, including how to handle AI agents, why live proofs of concept matter when selecting a fraud platform, and why simple integration should be part of every vendor decision. Learn more about SEON: https://seon.io/editions/signal-intelligence-2026/?utm_source=seon&utm_medium=fintech-wrap-up&utm_campaign=podcast_fintech-wrap-up-podcast-launch_fy26-q3&utm_content=

    How AI is making online fraud more sophisticated and how to stop it - Tamas Kadar (CEO, SEON)

  4. 11 Sept

    Can Tokenized Stocks Finally Open Global Markets to Everyone? - Mark Greenberg (CCO, Kraken/Payward)

    For most people, buying a US stock is simple. For millions across Central Asia, Latin America, Africa and other parts of the world, it can still mean high barriers, limited access and a long process to open a brokerage account. Tokenized equities could change that. In this episode of WRAP UP, I sit down with Mark Greenberg, Chief Commercial Officer of Kraken/Payward, to discuss whether tokenized stocks can give more people access to global markets, starting with as little as $5 or $10. We talk about what Kraken has learned from building XStocks, which has processed almost $40 billion in volume, and why the real opportunity is not only bringing stocks onchain. It is making access to equities possible for people who have been excluded from global capital markets for years. Mark also explains why stablecoins are becoming more than a trading tool. We discuss dollar yield, cross-border B2B payments, the slow progress of stablecoin remittances and why moving money and trading assets are increasingly part of the same infrastructure problem. We also discuss: Why trading and payments are becoming one connected infrastructure problemHow XStocks is expanding access to tokenized equities, including for people in markets with limited brokerage accessWhy stablecoin yield, B2B cross-border payments and remittances matter todayWhat it will take for AI agents to safely transact with wallets, cards and payment railsWhy consumer crypto is far from deadThe regulatory clarity crypto companies need to build for the long term _____ LinkedIn: https://www.linkedin.com/in/sirojboboev/ Newsletter: https://www.fintechwrapup.com/ Instagram: https://www.instagram.com/wrapuppodcast/ Tiktok: https://www.tiktok.com/@wrapuppodcast X: https://x.com/samboboev

    Can Tokenized Stocks Finally Open Global Markets to Everyone? - Mark Greenberg (CCO, Kraken/Payward)

  5. 4 Sept

    Why AI Won’t Replace Banking Software Yet - Chris Walters (CEO, Finastra)

    Why AI Won’t Replace Banking Software Yet - Chris Walters (CEO, Finastra) Can an AI agent release a $10 million payment? In this episode of WRAP UP, I sit down with Chris Walters, CEO of Finastra, to discuss where AI is creating real value for banks and where the industry needs to slow down. Chris explains why high-stakes payment decisions still need human oversight, how Finastra’s Global PAYplus platform directs around $7 trillion in payments each day, and why deterministic banking systems will remain essential even as AI becomes more capable. We also discuss Finastra’s decision to narrow its focus to lending and payments, AI-powered payment investigations and repairs, the future of stablecoins in corporate payments, open-weight versus frontier AI models, and why banks should prepare now for tighter AI regulation. Chris makes the case that the future is not AI replacing banking software. It is AI working alongside modern systems, better processes, and human controls. We also cover: Why banks should not let AI agents autonomously release major paymentsHow Finastra’s Operator Assist can reduce the time spent investigating and repairing failed paymentsWhy AI needs audit trails and controls before regulation catches upWhether banks and banking-tech providers are becoming too dependent on OpenAI and AnthropicOpen-weight models, rising AI costs, and using the right model for the right taskWhy AI-native competitors will not necessarily win by adding AI to every part of bankingHow modern software, better processes, and AI can each drive efficiencyStablecoins, crypto and new payment rails in corporate paymentsWhy Finastra sees Visa, Mastercard and Stripe as potential collaborators as well as competitorsHow AI could help banks move away from legacy technology faster_________ LinkedIn: https://www.linkedin.com/in/sirojboboev/ Newsletter: https://www.fintechwrapup.com/ Instagram: https://www.instagram.com/wrapuppodcast/ Tiktok: https://www.tiktok.com/@wrapuppodcast X: https://x.com/samboboev

    Why AI Won’t Replace Banking Software Yet - Chris Walters (CEO, Finastra)

  6. 28 Aug

    How AI agents will search and buy premium content - Michael Blau (Founder, Drip)

    AI agents are becoming a new customer for creators. They can search, compare sources and act on information. The unresolved question is how they access trusted research and pay for it without relying on scraped content or pushing creators into another race to the bottom. In this episode of the WRAP UP, I sit down with Michael Blau, founder of Drip, to discuss the emerging infrastructure behind machine-to-machine content payments. Drip gives AI agents a way to discover and purchase premium financial newsletters, podcast research and specialist analysis. We unpack why financial research is an early use case for this model. An agent analysing a company, sector or trade does not need a full media subscription. It may need one analyst’s view, a historical newsletter archive or a specific data point. That creates a new commercial model for independent publishers: make their work available to agents and earn when it is actually used. We also discuss what this means for the economics of the creator business, the role of protocols such as x402 and MCP, and why payment, permissions and attribution need to work together before agentic research can scale. In this conversation: Why Drip began with independent financial publishersHow AI agents can discover and pay for premium researchThe role of stablecoins in machine-to-machine paymentsWhat x402 and MCP enable in an agentic content economyWhy back catalogues may become valuable assets for creatorsHow pay-per-use could sit alongside traditional subscriptionsWhy stock research is an early test case for agentic content paymentsWhether AI-generated research should compete in the same marketplaceHow creators can control access to their work and retain attributionWhy specialised analysts may become more valuable as agents look for reliable contextThe conversation goes beyond the creator economy. It is about a basic question for the internet: when software can consume information and make purchases, who gets paid, how is trust established, and what changes when the buyer is an agent rather than a person? LinkedIn: https://www.linkedin.com/in/sirojboboev/ Newsletter: https://www.fintechwrapup.com/ Instagram: https://www.instagram.com/wrapuppodcast/ Tiktok: https://www.tiktok.com/@wrapuppodcast X: https://x.com/samboboev

    How AI agents will search and buy premium content - Michael Blau (Founder, Drip)

  7. 21 Aug

    Why Banks Spend $60 Billion a Year on Core Banking - Martin Della Chiesa, (CEO,Skaleet)

    Banks spend more than $60 billion a year on core banking, yet much of the industry still runs on decades-old technology. In this episode of the WRAP UP, I sit down with Martin Della Chiesa, CEO of Skaleet, to discuss why replacing legacy core banking systems remains so difficult and how cloud-native, modular and real-time infrastructure is changing the market. We discuss why the biggest competitor for next-generation core banking providers is often the status quo, why major migrations can still take 18–24 months, and how modern platforms can help banks and fintechs launch new products in as little as six months. We also get into AI and agentic commerce. Martin explains why banks cannot fully take advantage of AI agents if their underlying infrastructure is not API-based and real-time, how AI could make legacy migrations easier, and why Skaleet is building infrastructure that could allow AI agents to trigger payments on behalf of customers. We cover: Why core banking remains such a fragmented marketLegacy systems vs next-generation core bankingWhy banks keep postponing core modernizationModular architecture and faster product launchesThe real cost and complexity of core migrationsAI agents and the future of paymentsWhy real-time infrastructure matters for agentic commerceHow AI could help banks understand and replace legacy codeThe three things banks should evaluate when choosing a core banking providerWhy an 800-row RFP spreadsheet may be the wrong way to choose banking technologyA practical conversation about the infrastructure sitting behind modern financial services and what has to change as banking moves into the AI era. _________ LinkedIn: https://www.linkedin.com/in/sirojboboev/ Newsletter: https://www.fintechwrapup.com/ Instagram: https://www.instagram.com/wrapuppodcast/ Tiktok: https://www.tiktok.com/@wrapuppodcast X: https://x.com/samboboev

    Why Banks Spend $60 Billion a Year on Core Banking - Martin Della Chiesa, (CEO,Skaleet)

  8. 14 Aug

    Can Stablecoins Really Compete With Visa and Mastercard? - Jess Houlgrave (CEO, WalletConnect)

    Why would someone pay with stablecoins when they already have a Visa or Mastercard? Jess Houlgrave, CEO of WalletConnect, joins me to discuss where stablecoin payments make sense and what is holding them back. WalletConnect works with around 700 wallets and 80,000 applications, reaching about 800 million end users. Around $400 billion in value moved through the network last year. The company is now pushing further into payments with WalletConnect Pay. We get into the competition between stablecoins and cards, including the fees merchants pay and the challenge of getting consumers to change how they pay. Jess explains why stablecoins can work well for cross-border payments and markets where card costs are high. We also discuss whether stablecoins are truly global and whether the market needs so many different stablecoins. The conversation then moves to AI agents. Jess explains why stablecoins could work well for small AI payments and why moving money is only one part of a payment. Compliance and security still need to be handled. We also discuss what happens to Visa and Mastercard if stablecoin payments continue to grow, and what merchants should consider before adding crypto payments. We cover: Why merchants would accept stablecoins when cards already workSame-hour and same-day settlement and the impact on merchant working capitalStablecoins vs Visa, Mastercard, PIX and Faster PaymentsWhether stablecoins are actually globalWhy emerging markets are seeing strong stablecoin demandWhether the market needs hundreds of different stablecoinsWhat stablecoins could mean for card network pricingWhy payments require more than moving money from A to BStablecoins, AI agents and micropaymentsHow AI agents could buy products and services on our behalfWhat merchants should look for when choosing a stablecoin payment providerA practical conversation about where stablecoins genuinely improve payments, where existing rails remain stronger, and how the two could coexist. LinkedIn: https://www.linkedin.com/in/sirojboboev/ Newsletter: https://www.fintechwrapup.com/ Instagram: https://www.instagram.com/wrapuppodcast/ Tiktok: https://www.tiktok.com/@wrapuppodcast X: https://x.com/samboboev

    Can Stablecoins Really Compete With Visa and Mastercard? - Jess Houlgrave (CEO, WalletConnect)
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About

Conversation about finance, tech, AI, and crypto

Information

  • Creator
    Sam Boboev
  • Years Active
    2026
  • Episodes
    23
  • Rating
    Clean
  • Show Website
    Wrap Up
  • Provider

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