One of the big reasons I record this podcast every day is to try and feature as many voices and tech communities from around the world, NOT just silicon valley. So today, I am excited to take you on a trip to Bulgaria, where Hristo Borisov, Co-Founder & CEO of Payhawk, discusses how and why fragmentation in fintech is coming to an end.

Payhawk is an all-in-one integrated finance platform for businesses, combining credit cards, payments, expenses, cash management and pre-accounting into one platform to give businesses maximum control and visibility over their spending. The company is London founded and headquartered, with Bulgarian roots, and recently raised $20m from Klarna's investors QED. Its customers include the likes of Zenloop, Nexo, and Telus.

Due to Payhawk's technology, the average finance team saves 2-3 days of work each month and broadly speaking, a customer with approximately 100 expenses per month can save an extra $3,540 per month on average when switching from manual processes to Payhawk.

We discuss how Payhawk reimagines how payment works (by simplifying and automating processes and building an end-to-end experience). We also talk about how banks and fintechs could coexist in the future? (working together rather than against them).

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