Spending cash is becoming a thing of the past and we are all used to online payments. To catch up with these rapid changes that are happening in the fintech market, we need the real Change Officer - and we found him! Our guest today once said that the Banks in the future will be just an address - and users will never have the need to visit them. Meet Nik Milanovic, a fintech and financial inclusion enthusiast, writer for Forbes magazine, and Head of Business Development & Strategy! Tune in to learn more about:- How startups dig themselves out of 'The Valley of death'- Payment systems in the US vs the rest of the world- What is embedded fintech in financial servicesEnjoy! #TheChangeOfficerHost: Ivan ZeljkovicGuest: Nik MilanovicProduction company: PoddsterStart your own podcast! Book a free consultation at https://poddster.com/ Follow our guest on Linkedin: https://www.linkedin.com/in/nikm/LISTEN TO THE PODCAST 🎙 SoundCloud - http://bit.ly/SC_TheChangeOfficer Apple Podcast - http://bit.ly/Apple_TheChangeOfficer Google - http://bit.ly/Google_TheChangeOfficer Spotify - http://bit.ly/Spotify_TheChangeOfficer CONNECT WITH US:Website - https://www.thechangeofficer.comInstagram - https://www.instagram.com/thechangeofficerLinkedIn - https://www.linkedin.com/company/the-change-officer-podcastFacebook - https://web.facebook.com/TheChangeOfficerTwitter - https://twitter.com/changeofficer_TIMESTAMPS:00:00 - Highlights00:22 - Intro02:04 - Nik's thoughts about New York02:45 - The difference of living in various cities04:08 - Pirate side of fintech industry07:06 - Thoughtfulness of the people08:28 - The boom of contactless payment11:15 - Why is it important to make mistakes12:52 - Collaboration with fintech startups17:04 - Democratization of fintech23:12 - Hot spot of the financial industry27:21 - Outro