126 episodes

The Wharton FinTech Podcast discusses the trends, topics, and ideas that are reshaping financial services around the world. The podcast features founders, investors, students, and thinkers from the world of FinTech to share their unique perspectives.

This podcast is produced by Wharton FinTech, the first student-led FinTech initiative. Visit whartonfintech.org for more details.

Wharton FinTech Podcast WFT

    • Technology
    • 4.4, 41 Ratings

The Wharton FinTech Podcast discusses the trends, topics, and ideas that are reshaping financial services around the world. The podcast features founders, investors, students, and thinkers from the world of FinTech to share their unique perspectives.

This podcast is produced by Wharton FinTech, the first student-led FinTech initiative. Visit whartonfintech.org for more details.

    Increasing Shopping Cart Conversion & Managing Credit - Brad Paterson, CEO of Splitit (ASX: SPT)

    Increasing Shopping Cart Conversion & Managing Credit - Brad Paterson, CEO of Splitit (ASX: SPT)

    Miguel Armaza is joined by Brad Paterson, CEO of SplitIt (ASX: SPT), a global payment platform that enables shoppers to pay installments via their credit cards, by splitting credit card purchases into interest and fee-free monthly payments.

    Splitit is a global payment platform that enables shoppers to pay installments via their credit cards, by splitting credit card purchases into interest and fee-free monthly payments. Splitit’s consumer solutions enable merchants to offer their customers an easy way to pay for purchases in monthly installments with instant approval, decreasing cart abandonment rates and increasing revenue. Splitit Business Payments allows manufacturers and suppliers to provide buyers with an interest-free, installment credit solution for purchasing goods and services utilizing their existing credit cards. Serving many of Internet Retailer’s top 500 merchants, Splitit’s global footprint extends to 27 countries around the world. Headquartered in New York, Splitit has an R&D center in Israel and offices in London and Australia.

    Brad Paterson has accumulated a wealth of knowledge over nearly two decades working with some of the world’s most successful payment companies, including Intuit, PayPal, and Visa. As Intuit’s VP of Marketing, Brad led the go-to-market team responsible for the US QuickBooks Online revenue and customer outcomes. His responsibilities included the strategy, sales, marketing, and general business operations for the QuickBooks Online portfolio. Prior to this role, Brad served as Intuit’s VP of Asia-Pacific and Global Operations, driving business growth in critical international markets. He also served as PayPal’s Head of Merchant Services, Asia-Pacific and Visa’s Director of Consumer and Emerging Products for Australia and New Zealand, among other roles at the two companies.

    In this interview, Brad shares:
    - His background and experiences from his days as an executive at PayPal, Intuit, and Visa.
    - What drove him to Splitit and why he sees a lot of parallels between them and the early days of Paypal.
    - The benefits of Splitit’s, business model and why they are experiencing incredibly fast growth during the COVID-19 crisis.
    - Going public on the Australian Securities Exchange. The benefits and challenges of running a publicly listed company.
    - Insightful advice for fintech professionals.

    • 21 min
    Streamlining Client Experience and Fighting Fraud — Laura Spiekerman, Co-Founder and CRO at Alloy

    Streamlining Client Experience and Fighting Fraud — Laura Spiekerman, Co-Founder and CRO at Alloy

    In our latest episode of the Wharton Fintech podcast, Miguel Armaza is joined by Laura Spiekerman, She’s the Co-Founder and Chief Revenue Officer at Alloy, an operating system for identity in financial services, including KYC, AML and fraud.

    Laura Spiekerman is a cofounder and CRO at Alloy. Alloy's API enables financial services companies to better manage their digital onboarding and identity requirements, increasing conversion and reducing fraud for banks and fintechs alike. Alloy works with both fintech companies and banks, including Marqeta, Petal, Brex, Radius Bank and others. Alloy was recognized on the recent Forbes' Cloud 100 Rising Stars list and as one to the global Venture Radar Top 10 RegTech Startups. Prior to Alloy, Laura led Business Development & Partnerships at an ACH payments startup and was on the Research & Investment team at Imprint Capital Advisors (acquired by Goldman Sachs). Laura is a proud Barnard College alumna and lives in Oakland, California.

    Alloy is an operating system for identity in financial services, including KYC, AML and fraud. The Alloy API allows its clients to customize which data sources they access and the rules applied, to validate an identity in real time so that 98% of users will be automatically decisioned upon onboarding, increasing conversion, lowering fraud, and reducing manual reviews. Alloy has been working with both fintech companies and banks since it launched in 2016, and has a client base of ~80, including institutions like Radius Bank, KeyBank, Brex, Marqeta and others.

    In this interview, Laura shares:

    - Her background and how she got started in the industry as employee #1 at Kopo Kopo, a Kenyan fintech company.
    - What inspired Laura and her co-founders to build Alloy and how they crafted a successful strategy to secure their first customers.
    - The strategic reasons why Alloy's products are attractive for fintech startups, community banks, and large banks alike.
    - Company Culture. Why it's important to hire people that are different from each other and why Alloy emphasizes celebrating differences and being bold.
    - Her experience as a female fintech leader and why men should take on more responsibility to recruit and cultivate women in the industry.
    - COVID-19's impact on Alloy and its clients- as fraud and cybersecurity attacks have increased in the last few months, Alloy has taken steps to help their customers combat these attacks.
    - Lessons for founders! Why learning how to sell is the most important skill to learn for entrepreneurs.

    • 32 min
    Building a Financial Communications Unicorn - David Gurle, Founder and CEO of Symphony

    Building a Financial Communications Unicorn - David Gurle, Founder and CEO of Symphony

    In today's episode of the Wharton FinTech podcast, Miguel Armaza is joined by David Gurle, Founder and CEO of Symphony, a financial services communications company that's helping individuals, teams and organizations of all sizes improve productivity, while meeting security and compliance needs.

    David Gurle is an author, inventor and visionary. David's ideas have influenced the major trends in consumer and enterprise communications and most recently secure collaboration technologies over the past two decades. He founded and ran Microsoft's unified communications products (Skype for Business) and as Global head of collaboration services at Thomson Reuters, introduced the first consumer-to-business federated communications to the financial services industry. After the sale of Skype to Microsoft where he was the GM of Skype's Enterprise Business, David founded and sold Perzo before founding Symphony. David sits on the Monetary Authority of Singapore's International Technology Advisory Panel, is regularly featured on global broadcast (CNBC, BFM, Fox News) and print media (TechCrunch, Le Monde, Wall Street Journal) and is a sought-after keynote speaker on the future of the digital workplace, collaboration technologies, workplace diversity and all matters related to privacy and information security. In January 2020, he received the Légion d'Honneur, the highest French order of merit for military and civil service.

    Symphony transforms the way users communicate effectively and securely with a single workflow application. Forging a new path in the financial services industry, Symphony is designed to help individuals, teams and organizations of all sizes improve productivity, while meeting complex data security and regulatory compliance needs. Symphony was founded in October 2014 and is headquartered in Palo Alto, CA, with offices in New York, Hong Kong, Singapore, Tokyo, Stockholm, Sophia-Antipolis and London.

    In this episode, David shares:

    -The powerful influence of his international upbringing and how it influenced him to pursue a career in telecom at ETSI, France Telecom, Microsoft, and Skype.

    -How being an intrapreneur earned him the title of "great, but unmanageable" by his first supervisor.

    -The key role he played in Microsoft's surprising acquisition of Skype.

    -The thought process that helped him identify a problem in secure persistent communications and how he devised a winning strategy for Symphony.

    -Challenges and anecdotes of Symphony's early days.

    -The importance of building a no-trust, end-to-end encrypted system, and why that has made a big difference between Symphony and other similar solutions.

    -Why it's critical to give users control of their data and the reason he thinks Apple has taken the wrong approach.

    -Symphony's recent explosive growth of 300%-400% in light of COVID-19 and how they have quickly become one of the top mission critical applications for their customers.

    -His vision of a post-COVID world and the steps Symphony is taking to implement a flexible work policy.

    -Valuable entrepreneurial advice and achieving childhood dreams.

    • 43 min
    Current CEO Stuart Sopp on Banking the Under-Banked During Covid-19

    Current CEO Stuart Sopp on Banking the Under-Banked During Covid-19

    In this episode, Ryan Zauk sits down with Stuart Sopp, Founder and CEO of Current.

    Current is a leading U.S. based challenger bank enabling access to affordable and premium financial services to people traditionally overlooked by the banking industry. After explosive growth serving essential workers during COVID-19, Current raised additional funding from Foundation Capital and is expected to reach 2 million customers by the end of 2020.

    From 1999 - 2014, Stuart spent his career as a senior trader developing financial systems and trading at Morgan Stanley, Citi, and Deutsche Bank. He started Current after recognizing that the growing inequality gap could be addressed through innovation in technology to improve financial outcomes for everyone.

    In this episode, Stuart discusses:
    - Current’s crucial contribution to the pandemic's frontline workers
    - Why banks have historically overlooked Current’s customers
    - What’s wrong with the phrase ‘choosing your investors’
    - His view on the extremely competitive FinTech space and Current’s key competitive advantage
    - How he switched an NYC team to fully remote in a pandemic
    - And much more...including a surprising quarantine hobby

    • 44 min
    Empowering Black Millennials with Ras Asan, Co-Founder of BREAUX Capital

    Empowering Black Millennials with Ras Asan, Co-Founder of BREAUX Capital

    On today’s episode of the Wharton FinTech Podcast, Ryan Zauk sits down with Ras Asan, Co-Founder of BREAUX Capital.

    BREAUX Capital is the first fintech built by and for Black Male Millennials. It is a cooperatively owned and operated financial technology company that provides a software platform and membership community to increase the financial wellness of Black millennials. They accomplish this through savings goals, dividends & revenue sharing, co-investing opportunities, education, community building, and much more.

    Ras and his team have been:
    - Named to INC Magazine’s 30 under 30
    - Featured in The New York Times, Black Enterprise, The Associated Press, Time Magazine, BET, The Chicago Tribune, American Banker, CNN, Huffington Post, and more
    - Successfully pitched and secured investment from FUBU Founder and Shark Daymond John
    - And just announced a partnership with Lenovo

    In this episode, Ras discusses:
    - His background and motivations for starting BREAUX Capital
    - The obstacles his team faced along the way as young, black, first-time founders
    - How BREAUX Capital's financial and social sides work
    - Aspects of systemic inequality in the US that have destroyed black wealth creation including over-policing, redlining, and the GI Bill
    - And much, much more

    For more content from BREAUX Capital and their team, we encourage viewing Ras's Co-Founder, Derrius Quarles in his Ted Talk on YouTube,
    "Derrius Quarles: How banks are failing African-Americans," or their website, BREAUXCapital.com.

    • 48 min
    The Future of Payments with Frank Young, President of VMSS at Global Payments

    The Future of Payments with Frank Young, President of VMSS at Global Payments

    In our latest podcast, Peter Jankovsky (WG'20) is joined by Frank Young, President of Vertical Market Software Solutions at Global Payments, a leading worldwide provider of payment technology services. In this role, Frank is responsible for guiding and directing the firm’s efforts to leverage software and services to deliver the next generation of digital commerce solutions on a global basis. He leads the company’s efforts in achieving business results through software-led solutions in all of our markets around the world.
     
    In this extensive interview, Frank shares:
    - Major themes in the payments industry observed over his ~30 year career, including the evolution of e-commerce and the staying power of the major networks
    - His view of how COVID-19 is impacting the payments industry
    - The opportunity that he sees for embedded fintech, and how this represents a natural evolution from "knuckle-busters," electronic terminals, and integrated payments
    - His views on Big Tech's ambitions in financial services and how those will evolve going forward
    - Career advice for those beginning their career in FinTech
     
    Prior to joining Global Payments, Frank served as the Global Lead of Payments Partnerships at Google, managing a team of professionals developing and delivering innovations to support Google’s in-store
    and online commerce goals. Previously, Mr. Young served as Senior Director of Business Development for Qualcomm, a worldwide leader in telecommunications products and services, where his responsibilities were to manage the development of mobile payments and commerce initiatives. Prior to that, Frank held senior roles at Mastercard and Accenture. He began his career with Chase Manhattan Bank.
     
    Franks holds an MBA from The Wharton School, University of Pennsylvania, where he was honored with the Dean's Award for Excellence, and graduated with a Bachelor of Arts degree in economics from Rutgers University.

    • 35 min

Customer Reviews

4.4 out of 5
41 Ratings

41 Ratings

Fight7985448 ,

Must listen to

Great podcast with fantastic guests. Great way to stay informed on the industry and learn about how firms are innovating and disrupting traditional financial services

Strokesfan667 ,

Good content, poor quality

Sound quality is bad enough where you don’t want to listen. Sounds like a conference call on speaker.

SVWBanker ,

Great content, terrible audio...

Great interviews but the audio is absolutely terrible. I’ve listened on multiple devices and even when played back through Bose speakers and the quality is poor and the volume is inconsistent. Surely there are a few people on campus that know something about producing and recording audio. Maybe they would volunteer to help if they got the chance to list this on their resume.

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