FinTech @ IU James Demircioglu, Eric Wong and Elijah Stein

Gary Hoberman, CEO and founder of Unqork, introduces himself as someone who spent 25 years climbing the corporate ladder on Wall Street before founding Unqork. He explains his transition from a corporate career to founding Unqork in 2017. Holderman discusses the challenges he faced in the corporate world, particularly regarding legacy software and technical debt, which led him to create Unqork. He emphasizes the difference between engineers and developers, highlighting the importance of solving problems efficiently. Hoberman describes Unqork as a B2B platform initially focused on regulated industries like financial services and healthcare, aiming to address complex challenges faced by large corporations. He discusses the role of AI in software development and how Unqork aims to collaborate with AI while maintaining its unique approach to solving software problems.

Tarang Gupta, current associate at BCG and former Wharton FinTech podcast co-host discusses fintech development comparisons in countries like the US and India, emphasizing regulatory disparities and consumer profiles. The conversation also touches on the evolution of the fintech industry, particularly in response to Federal Reserve interest rate changes, and the potential role of AI in improving efficiency while highlighting associated risks and the need for regulatory frameworks. We provide insights into the dynamic landscape of fintech and the potential impact of AI integration in the financial sector. Listen to learn more!

Yan Wu, co-founder of Embedded.dev and Bond Financial Technologies as well as former VP Head of Data at SoFi shares his journey from engineering to fintech. We talk all things BNPL, how these innovations are transforming Black Friday shopping as well as what went into building Bond, which he sold in June 2023. Yan delves into Bond's mission to streamline financial services for developers through modern APIs, shedding light on their role in facilitating transactions and compliance. Furthermore, he addresses the challenges of merging antiquated banking technology with modern innovations and offers valuable insights into the future of banking and blockchain technology. Listen to learn more!

Matt West, founder of Zenios discusses the challenges and opportunities in the fintech industry. They delve into the complexities of regulatory compliance, particularly in the context of partnerships between fintech firms and banks, amidst a crackdown on fintech-bank relationships. The conversation touches on market trends, potential recession impacts, and the evolving landscape of buy now, pay later (BNPL) services. Matt emphasizes the importance of adaptability and continuous learning, offering advice for individuals navigating the dynamic fintech ecosystem.

Greg Palmer is the host of the Finovate Podcast and head strategist for the Finovate conference series. With years of experience in the fintech space, Greg has worked with thousands of people on how to best market their companies to a wide variety of audiences, including Venture Capitalists, Bankers, and Analysts. In this episode, Greg shares his insights on BNPL, the future of Fintech, bank failures, and what makes a great startup.   
0-1: Intro  
1-2: Difference between the Finovate conference and others 
2-4: Top Finovate Innovations  
4-6: Credit Scores Innovations 
6-8: FICO 
8-10: Buy Now Pay Later  
10-11: Buy Now Pay Later Technologie/Providers 
11-14: Buy Now Pay Later Risk 
14-16: Buy Now Pay Later Cons  
16-19: National Debt  
19-22:  Banking Industry and Innovation 
22-24: Does Banking Regulation Work  
24-30: SVB Failure 
30-32: Bad Corporate Actors 
32-38: Differentiator between successful companies and others  
38-40: Ego in venture capital  
40-44:  Key things founders should pitch  
44-46: What makes a good pitch? 
46-48: what is the best pitch you have seen? 
48-50: Can students attend Finovate events? 
50-52: Different ways to be successful in Fintech  
52-54: Opportunities in difficult times  
54-58: Upcoming innovative countries 
58-: Advice to college students  
  

In this Episode, Pranav Barthwal shares insights into his experiences at American Express, the evolution of the card industry in India, and the challenges and opportunities in the financial services sector. The discussion also delves into the intricacies of Earned Wage Access, workforce management, and the impact of economic factors on India's market, providing a comprehensive overview of the dynamic landscape in fintech and beyond. 

00:00-00:01: Introduction
00:01-00:05: Sudha Organization and Chadha's role at American Express
00:05-00:10: Challenges and evolution in the card industry
00:10-00:15: Banking sector overview and licenses in India
00:15-00:20: Partnerships, tech challenges, and workforce management
00:20-00:25: Earned Wage Access (EWA) model, market dynamics
00:25-00:30: Financing student loans, SME lending, platform strategy
00:30-00:35: Future plans, economic challenges, employee welfare
00:35-00:40: Opportunities in India, global economic impact
00:40-00:45: Return of Indians, education challenges, consistency
00:45-00:47: Acknowledgments and Conclusion