Fintech Leaders Miguel Armaza

Today, we bring you a special episode featuring Miguel Armaza's live conversation at Money2020 with Kristy Kim, Co-Founder & CEO of Tomo Credit, and Justin Howell, Co-Founder & CEO of Rize.

To get us started, Miguel sits down with Kristy Kim, where they explore:
Building a FICO-free underwriting model and how the challenges of her US immigrant journey drove Kristy to launch Tomo Credit, a next-generation credit card catered to young adults, students, and immigrants.Bridging the gap between crypto lovers and the traditional credit card industry, and why Tomo Credit is launching crypto features using customer crypto wallet data to improve their underwriting decisions and enable clients to build credit.And what Kristy considers to be the hardest part and the most rewarding part of being an entrepreneur. 
Next up, you’ll hear Miguel's conversation with Justin Howell, where they cover:
How building a B2C customer-centric and intuitive financial services solution, eventually led them to pivot to a B2B FinTech infrastructure platform. The importance of providing the modern consumer with seamless interoperability across banking, brokerage, and crypto capabilities in a single platform.Thoughts from their fundraising experience and the importance of finding investors who support, not just the vision of the company, but especially the team.Want more podcast episodes? Join me and follow Fintech Leaders today on Apple, Spotify, or your favorite podcast app for weekly conversations with today’s global leaders that will dominate the 21st century in fintech, business, and beyond.
Miguel Armaza is Co-Founder & Managing General Partner of Gilgamesh Ventures, a seed-stage investment fund focused on fintech in the Americas. He also hosts and writes the Fintech Leaders podcast and newsletter.

Miguel on LinkedIn: https://bit.ly/3nKha4Z
Miguel on Twitter: https://bit.ly/2Jb5oBc
Fintech Leaders Newsletter: bit.ly/3jWIpqp

We bring you the second special episode featuring Miguel Armaza's live conversations at Money2020 Las Vegas with Dan Henry, Green Dot CEO, and Jeanniey Walden, DailyPay Chief Innovation and Marketing Officer.
First up, Dan Henry and Miguel explore:
Going remote-first and what this has meant for a publicly-traded company like Green DotLaunching Go2Bank to serve 100+ million Americans living paycheck to paycheckThree pieces of advice for aspiring leaders and entrepreneursMake sure you’re solving a real problem - don’t create a solution to try finding a problem.Be incredibly passionate about the problem, because whatever you start off doing is going to be 10 times more difficult than you thought. If you're doing it just to get rich, that's not going to get you to the finish line.Build a great team. Surround yourself with the best people and individuals you can trust.... and a lot more!
Next, Jeanniey Walden and Miguel discuss:
How DailyPay provides its earned wage access to 80% of the Fortune 200 companies, seven out of 10 of the largest fast food companies, and one out of six grocery store workers.The launch of their latest product - DailyPay Marketplace, which will give banks, credit unions, or even retailers, the ability to integrate DailyPay’s product through API's or white labeling.Want more podcast episodes? Join me and follow Fintech Leaders today on Apple, Spotify, or your favorite podcast app for weekly conversations with today’s global leaders that will dominate the 21st century in fintech, business, and beyond.
Miguel Armaza is Co-Founder & Managing General Partner of Gilgamesh Ventures, a seed-stage investment fund focused on fintech in the Americas. He also hosts and writes the Fintech Leaders podcast and newsletter.

Miguel on LinkedIn: https://bit.ly/3nKha4Z
Miguel on Twitter: https://bit.ly/2Jb5oBc
Fintech Leaders Newsletter: bit.ly/3jWIpqp

In this Fintech Leaders episode, we bring you a special set of interviews from Money20/20 Las Vegas, one of the largest Fintech Conferences in the world.
First, Miguel sits down with Tracey Davies, Money20/20 CEO, and Scarlett Sieber, Money20/20 Chief Strategy & Growth Officer.  
We discuss: 
- Their excitement to bring the event back in person 
- Some of the key fintech trends from this year, including Crypto,  DeFi, Financial Infrastructure.
Next, you will hear a conversation with Immad Akhund, CEO/Founder of Mercury, a US-based challenger bank built for startups and e-commerce companies.
Founded less than four years ago, Mercury Bank recently became a unicorn valued at $1.6 billion and has raised $180 million from a long list of investors including Coatue, a16z, and Clocktower.
Immad and Miguel explored:
- The story and incredible growth of Mercury
- Immad’s vision on the future of business banking
- Valuable Entrepreneurial advice:
 1. Make something people really want
2. Have a retentive product
3. Focus on good unit economics
4. Build a great distribution strategy
5. And, most importantly, have a good story that you're genuinely passionate about!
Finally, Immad reminded Miguel why his favorite type of people are entrepreneurs. They spent a long time looking for a quiet space to record our episode, and when the only available area was an empty corner with no chairs or tables, Immad didn’t hesitate for a second to just record the episode while sitting on the floor. It was yet another reminder that you don’t need a fancy recording studio or office to get shit done!
Want more podcast episodes? Join me and follow Fintech Leaders today on Apple, Spotify, or your favorite podcast app for weekly conversations with today’s global leaders that will dominate the 21st century in fintech, business, and beyond. 
Miguel Armaza is Co-Founder & Managing General Partner of Gilgamesh Ventures, a seed-stage investment fund focused on fintech in the Americas. He also hosts and writes the Fintech Leaders podcast and newsletter.
Miguel on LinkedIn: https://bit.ly/3nKha4Z
Miguel on Twitter: https://bit.ly/2Jb5oBc
Fintech Leaders Newsletter: bit.ly/3jWIpqp

Miguel Armaza sits down with Brynne McNulty Rojas, Co-Founder and CEO of Habi, a PropTech company that is streamlining the traditionally opaque home buying process in Latin America revolutionizing the real estate market in the region.
Founded in 2019, Habi has raised over $100 million from investors, including SoftBank, Inspired Capital, Tiger Global, Homebrew, Clocktower, 8VC, and many more.

Brynne and Miguel explore:
- Building Habi and a deep dive of the exciting PropTech revolution taking place in Latin America.
- Their recruiting approach to attract those crucial first employees, developing Habi’s culture, and a rundown of the company’s four key values and why they were written in English, rather than Spanish.
- Habi’s secret data analytics machine and how they’ve been able to scale to over 30k real estate pricings per month.
- Fundraising lessons for entrepreneurs… and a lot more!

Want more podcast episodes? Join me and follow Fintech Leaders today on Apple, Spotify, or your favorite podcast app for weekly conversations with today’s global leaders that will dominate the 21st century in fintech, business, and beyond.

Miguel Armaza is Co-Founder & Managing General Partner of Gilgamesh Ventures, a seed-stage investment fund focused on fintech in the Americas. He also hosts and writes the Fintech Leaders podcast and newsletter.

Miguel on LinkedIn: https://bit.ly/3nKha4Z
Miguel on Twitter: https://bit.ly/2Jb5oBc
Fintech Leaders Newsletter: bit.ly/3jWIpqp

Miguel Armaza sits down with Austin Woodward, CEO & Co-Founder of TaxBit, the leading US tax software provider for crypto and digital assets.
Founded in 2017, TaxBit has now issued tens of millions of tax forms and recently became a unicorn with over $230 million in equity from top investors like IVP, Insight Partners, Tiger Global, Paradigm, and Anthony Pompliano.
In this conversation, Austin and Miguel discuss:
How his passion for crypto and digital assets led him to launch a billion-dollar businessChallenges and opportunities of working with family and why it made perfect sense to co-found TaxBit with his brother, JustinWorking with US regulators and Austin’s optimistic vision for the US to become a global hub for cryptoLessons and reflections from raising over $200M in less than a year… And a lot more! Miguel Armaza is Co-Founder & Managing General Partner of Gilgamesh Ventures, a seed-stage investment fund focused on fintech in the Americas. He also hosts and writes the Fintech Leaders podcast and newsletter.
Miguel on LinkedIn: https://bit.ly/3nKha4Z
Miguel on Twitter: https://bit.ly/2Jb5oBc
Fintech Leaders Newsletter: bit.ly/3jWIpqp

Miguel Armaza sits down with Oliver Hughes, CEO of Russia’s Tinkoff Bank (LSE: TCS), one of the best fintech companies around the world. Tinkoff went public in the London Stock Exchange in 2013 and has since grown to a $22B market cap with close to 20 million clients. It has also inspired a generation of fintech founders, including David Velez from Nubank.
In this episode, we explore:
Story behind Tinkoff, challenges that led them to pivot, and how they’ve managed to thrive despite three financial crises since inceptionTinkoff’s internal innovation machine and a deep dive of Oliver’s thought process to making big decisions and rolling out new productsExciting recent developments and what drove them to expand internationally to Southeast AsiaOliver’s take on the future of fintech... And a lot more!Want more podcast episodes? Join me and follow 21 Leaders today on Apple, Spotify, or your favorite podcast app for weekly conversations with today’s global leaders that will dominate the 21st century in fintech, business, and beyond.
Miguel Armaza is Host of the 21 Leaders Podcast, Author of the Fintech Leaders Newsletter, and Co-Founder of Gilgamesh Ventures, a seed-stage investment fund focused on fintech in the Americas.
Miguel on LinkedIn: https://bit.ly/3nKha4Z
Miguel on Twitter: https://bit.ly/2Jb5oBc
Fintech Leaders Newsletter: bit.ly/3jWIpqp