FINTECHTALK Show about FINTECH, DeFI, CRYPTO, NFT WEB3.0, and the METAVERSE

Hi FINTECHTALKERS, (follow me on Twitter (X)) for real-time discussions on these topics @PADDYRAMANATHAN),
I sat down with Deep Varma, CTO of Alkami (0-41.20) to talk about Digital Banking Solutions and separately with my good friend Booshan Rengachari, CEO of Finzly (41.30-1.13) to talk about Finzly’s BankOS and how he plans to incorporate AI/GenAI.
You don’t want to miss the insights of these technology visionaries building the next generation of technology for financial services.
ICYMI, the two-part series on AI that Elon Musk and Sam Altman appear to be reading and posting about:
FINTECHTALK™ Sculpting the future of fintech, AI, & Crypto is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber.

Enjoy and always be in the know,
Paddy Ramanathan
Follow me on the new Twitter (X) @PaddyRamanathanFounder of iValley (www.ivalley.co) andHost of the FINTECHTALK™ Show (on Substack, Apple Podcast, and Spotify)
(Violin piece in podcast, courtesy of my daughter Ilina)
Check out some of the new episodes of FINTECHTALK podcasts on AI at Apple, Spotify, or YouTube links below


Get full access to FINTECHTALK™ Sculpting the future of fintech, AI, & Crypto at substack.fintechtalk.ivalley.co/subscribe

Hi FINTECHTALKERS, (follow me on Twitter (X)) for lively discussions on these topics @PADDYRAMANATHAN),
I sat down with Ram Palaniappan, CEO of Earnin, a company that allows workers to access their pay instantly. Lot of folks in the industry like to talk about financial inclusion as it is good for the brand, Palaniappan and Earnin are the real deal.
Palaniappan has built a very sucessfull main street fintech and raised around $200 million from prominent VCs like Andreessen Horowitz, Matrix Partners, Ribbit Capital. He talks passionately about how how his company’s product have impacted real customers. Seems like a simple concept but a huge deal for someone who lives paycheck to paycheck.
We cover a wide variety of topics including solving for medical debt, overdraft fees or its avoidnance, increasing savings and overall improving the financial health. Can Earnin be the financial AI co-pilot - the killer GenAI app in consumer finance? Tune in to find out.
Enjoy and always be in the know,
Paddy Ramanathan
Follow me on the new Twitter (X) @PaddyRamanathanFounder of iValley (www.ivalley.co) andHost of the FINTECHTALK™ Show (on Substack, Apple Podcast, and Spotify)
(Violin piece in podcast, courtesy of my daughter Ilina)


Get full access to FINTECHTALK™ Sculpting the future of fintech, AI, & Crypto at substack.fintechtalk.ivalley.co/subscribe

HI FINTECHTALKERS, (follow me on Twitter (X) for lively discussions on these topics @PADDYRAMANATHAN),
Happy New Year! I sat down with Zor Gorelov, CEO of Kasisto, a pioneer in AI. We cover a lot of topics from Artificial Financial Intelligence (AFI before AGI) that Zor passionately talks about, how domain-specific models can win over general-purpose LLMs, and how those capabilities will provide a competitive advantage for future enterprises.
Here is the table of timestamps for easy navigation of the conversation
0.-4.40 - Intro of the episode, Zor’s background, and what got him to build Kasisto
4.41- 8.04 - Kasisto’s history, how it came to be from SRI, democratize and everyone to have a digital advisor
8.05-13.36 - Banking-specific model KAI-GPT and how will AI can be a differentiation in FS
13.37 -18.57 - AGI, AFI et al - AI-based financial advisor that is like human advisors
18.58- 23.33 - How should FI’s adopt LLMs - Augment LLMs, domain-specific model or build from the ground up
23.34 -26.0 - The design principle or pillars for Kasisto and KAI-GPT
26.01-27.46 - AI becoming the Enterprise Information and Intelligence (Human + Machine)
27.46- 33.30 AI Middleware or Middle GPT Ware and AI for structured Data
33.30-36.50 - Closing - how to connect with Gor
Enjoy and always be in the know,
Paddy Ramanathan Follow me on the new Twitter (X) @PaddyRamanathanFounder of iValley (www.ivalley.co) andHost of the FINTECHTALK™ Show (on Substack, Apple Podcast, and Spotify)
(Violin piece in podcast, courtesy of my daughter Ilina)


Get full access to FINTECHTALK™ Sculpting the future of fintech, AI, & Crypto at substack.fintechtalk.ivalley.co/subscribe

HI FINTECHTALKERS, (follow me on Twitter (X) for lively discussions on these topics @PADDYRAMANATHAN),
I sat down with David Nohe, CEO of Fingoal, a Fintel Startup creating hyperpersonalization, and Leslie Gillin, Chief Growth Officer at Pagaya another innovative company applying AI in financial services in credit decisions and financial inclusion.
Subscribe to tune into my conversation with Zor Gorelov, CEO of Kasisto, and Deep Varma CTO of Alkami coming up next.
Enjoy and always be in the know,
Paddy Ramanathan Follow me on the new X @PaddyRamanathanFounder of iValley (www.ivalley.co) andHost of the FINTECHTALK™ Show (on Substack, Apple Podcast, and Spotify)
(Violin piece in podcast, courtesy of my daughter Ilina)


Get full access to FINTECHTALK™ Sculpting the future of fintech, AI, & Crypto at substack.fintechtalk.ivalley.co/subscribe

HI FINTECHTALKERS, (follow me on Twitter (X) for lively discussions on these topics @PADDYRAMANATHAN),
I sat down with Ian Horne, author of Why DeFI Matters to discuss his book. This was recorded on the sidelines of Money2020.
We talk about how DeFI changes to the financial system factor whereas fintech is essentially a distribution innovation, and how Web3 fundamentally changes the business model of the internet. Ian talks about successful projects in DefI/Crypto that don’t get much attention and what he is most excited about.
Enjoy and always be in the know,
Paddy Ramanathan Follow me on the new Twitter (X) @PaddyRamanathanFounder of iValley (www.ivalley.co) andHost of the FINTECHTALK™ Show (on Substack, Apple Podcast, and Spotify)
(Violin piece in podcast, courtesy of my daughter Ilina)


Get full access to FINTECHTALK™ Sculpting the future of fintech, AI, & Crypto at substack.fintechtalk.ivalley.co/subscribe

HI FINTECHTALKERS, (follow me on Twitter (X) for lively discussions on these topics @PADDYRAMANATHAN),
I sat down with William Capuzzi, CEO of Apex Fintech Solutions (also a board member at DTCC and a prolific investor) on the sidelines of the Money20/20 show this week in Las Vegas. We covered a lot of topics including why Bill challenges himself to run triathlons, what is his mission at Apex, and how he and his team are enabling average retail investors to invest like hedge fund managers; Apex’s new fractional fixed income product; the transformative role that AI and generative AI will play in the wealth management business and in closing how he follows key advice from Greg McKeown’s Essentialism - the disciplined pursuit of less.
I have included a table of timestamps for easy navigation:
0.-3.21 - Intro of the episode, Bill’s background, and what got him to build Apex
3.22- 5.19 Apex’s mission and purpose
5.20-7.39 Running, Triathlon, Iron Man and what does running help
7.40-11.35 What does Apex do and who do they serve?
11.36-15.05 Embedded Finance - the future of digital distribution of financial services including wealth
15.06-17.50 How is Apex different from the traditional players
17.51-22.35 The democratization, making every retail investor invest like a hedge fund manager
22.36-26.40 The New fractional fixed income and doing it right
26.51-35.54 The future of Wealth mgmt with AI, Gen AI - Autonomous Wealth Mgmt, Advisor Co-Pilot
35.55-40.30 Philosophical alignment with Steve Jobs, and George Mckeown’s Essentialism (The disciplined pursuit of less) and type of companies Apex is looking to partner.
Enjoy and always be in the know,
Paddy Ramanathan Follow me on the new Twitter @PaddyRamanathanFounder of iValley (www.ivalley.co) andHost of the FINTECHTALK™ Show (on Substack, Apple Podcast, and Spotify)
(Violin piece in podcast, courtesy of my daughter Ilina)

FINTECHTALK™ Sculpting the future of fintech, AI, & Crypto is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber.



Get full access to FINTECHTALK™ Sculpting the future of fintech, AI, & Crypto at substack.fintechtalk.ivalley.co/subscribe