Leaders In Payments

Discover the power of on-demand pay solutions as we chat with Gino Palozzi, the CMO of DailyPay. Learn how this ground-breaking platform is reshaping the way we view payday, giving you the flexibility to save and invest your hard-earned money before it hits your bank account. Say goodbye to predatory lenders and embrace the freedom that real-time visibility of your salary affords you. For employers, this means increased retention and improved engagement - a win-win situation for everyone involved.

Unpack the future of on-demand pay with us, as we explore the vast potential of reloadable cash cards for the underbanked or unbanked population. Break the chains of misconception with Gino as he explains how this is not a credit product, but a tool for financial access. Hear about the additional perks of the DailyPay platform, like data-driven strategies, personal coaching, and an auto-save feature, all aimed at making on-demand pay the new norm. Tune in and step into the future of financial inclusion with us. Your salary, your rules, your financial freedom.

Get ready to unlock the future of B2B payments with our guest, Chad Wallace, Global Head of Commercial Solutions at Mastercard. With his expertise in consumer and corporate banking, Chad sheds light on the shift from traditional cash and checks to digital payments - a transition fueled by the pandemic, evolving consumer expectations, and the influx of new talent in finance roles. He also introduces us to the vast spectrum of products and services his team brings to the table, including commercial cards, virtual cards, and accounts payable products.

From Mastercard's partnership with emerging global Fintechs to building scalable, human-centered solutions, our conversation takes you through the dynamics of payments industry. Mastercard's collaboration with Fintechs not only builds solutions but also ideates and provides data necessary to reconcile books. Chad further underlines the importance of digital solutions and how data can be harnessed to maximize working capital, improve payment status and maintain an ISO-based framework.

As we look into the crystal ball, Chad paints a picture of the future of B2B payments marked by human-focused design, digitization, interconnectivity, and the growing use of AI. He elaborates on how Mastercard is leveraging these trends with their innovative “beyond card” strategy and embedded finance use cases. As we wrap up, Chad leaves us with his insights on security, value-added services, and the criticality of providing a consumer-grade experience for buyers and suppliers. Don't miss out on this enlightening discussion that redefines the future of B2B payments.

I was privileged to host Tede Foreman, the President of Payment Solutions at Jack Henry as my guest this week. 

The conversation with Tede offered a rich resource for anyone interested in the world of fintech and payment solutions. It provided a glimpse into the inner workings of a leading company like Jack Henry and highlighted the importance of innovation, resilience, and teamwork in this fast-paced industry. As we move into the future, it's clear that the role of AI and faster payments will continue to shape the landscape of payment solutions, making it an exciting space to watch and be a part of.

When it comes to his personal life, Tede shared his love for the great outdoors and the importance of maintaining a healthy work-life balance. He believes that disconnecting from work and spending time in nature can help recharge one's batteries and boost productivity.

In this episode Yaacov Martin, Co-Founder and CEO of Jifiti, provides an in-depth look into the explosive growth of the Buy Now, Pay Later (BNPL) industry. A game-changer in the field, Yaacov's insights will forever change the way you perceive financing significant purchases, from furniture to medical procedures, and even distance learning. More than just a business model, the BNPL industry represents a key bridge between merchants, consumers, and banks - a bridge that Jifiti is leading the way in building.

Dive into the heart of the revolution with us as Yaacov details Jifiti's journey through the trials of integrating BNPL into retail ecosystems. But this is not just about financial transactions and business models - it's about people. Yaacov illuminates the importance of fostering a family-like atmosphere within a company, sharing his own personal and business passions along the way. So, whether you're intrigued by the BNPL industry trends or looking for advice to make your mark in the space, this episode is packed with expert insights you won't want to miss.

Our special guest in this episode is Anil Goyal, the CEO of Corserv. Anil provides fascinating insights into the highly concentrated world of card issuing and explores how innovative technologies like APIs, B2B payments and virtual cards are reshaping the industry. Tune in as we journey with Anil, from his early days in New Delhi, India, to his pinnacle role at Corserv, and dissect what sets Corserv apart in the marketplace along the way.

The future of card issuing is here, and it's more exciting than ever. Anil offers a forward-thinking view on the arrival of new entrants and explores how technology levels the playing field and makes launching card programs cost-effective. 

Then, we continue with a deep dive into the cutting-edge innovations fueling the digitization of payments, reducing payment friction and mitigating fraud. Join us as Anil reveals a thrilling future for the industry and offers predictions on the increasing role of virtual cards, mobile enablement and artificial intelligence in card issuing. Don't miss this episode if you're eager to update your knowledge on the rapidly evolving card-issuing landscape.

In this episode I had the opportunity to sit down with payments industry legend: O.B. Rawls. O.B. shared his fascinating journey from growing up on a farm in North Carolina to holding leading roles at big corporations such as Bank of America, Hypercom, and FiServ. Today, O.B is a partner at Wellesley Hill Financial, a boutique investment bank serving the $30-80 million deal size segment.

We discuss the verticalization of the industry and the value of offering services outside of just payments. According to O.B. the future of the payments and fintech industries is undoubtedly exciting and it requires constant learning, adaptation, and a focus on delivering value to succeed.

OB emphasizes the importance of being kind, helpful, and a good person – qualities that have guided him throughout his career. His perspective on the industry was enriched by his experiences, making his advice particularly invaluable for those starting out in the payments industry.

And finally, we talked about O.B.'s hobbies, which include gardening, wine, and a bourbon collection. I couldn’t think of a better guest to have on this milestone episode and am grateful to continue to learn from O.B. and call him a friend. 

Have you ever wondered how the future of underwriting and onboarding looks in the payments industry? Prepare to be enlightened as we sit down with Darryl Cumming, the Director of Product Management for Agreement Express (an NMI company). Our conversation unfolds the significance of automated underwriting and the value of Agreement Express, touching upon its functionality, typical customers and the exciting prospects for the product.

During our discussion, we delve into Scan X, a revolutionary product that enriches the onboarding process. We learn how this tool automates merchant decisions, customizes risk recommendations and provides vital risk model performance analytics. Whether you're a greenhorn or a seasoned underwriter, the detailed reporting and performance analytics of Scan X are a treasure trove of guidance and efficiency.

We then discuss compliance and fraud protection - an issue every payments business must contend with. Uncover the potential costs your business may face without adequate protective measures. As we spotlight partner tools like KYC Site Scan and IRIS CRM (an NMI company), you'll see how Scan X helps businesses save and bridges the gap between sales and risk management. To finish our conversation, we explore Monitor X, a post-merchant approval solution that safeguards merchants in your portfolio. 

Tune in for valuable insights into the world of underwriting and onboarding.

Ever wondered how a small idea could turn into a revolution? Get ready to be inspired by Ruben Galindo, CEO of Airtm. This is not just another success story – it's a tale of passion for justice and financial decentralization, from the heart of Mexico City to the tech-hub of San Francisco. Ruben shares an intriguing insight into the birth of Airtm, its transition to blockchain technology, and the audacious goal to become the Web3 PayPal of the future. 

Embrace the concept of an 'open money mentality'. Listen as Ruben narrates the impact of this groundbreaking approach on the cross-border payment industry and the significance of trust and brand building in fostering prosperity with large-scale enterprises. You will learn how Airtm is leading the way for digital entrepreneurs in the global south to access their earnings effortlessly. So, get set, because this episode is sure to broaden your horizons on the world of payments and digital entrepreneurship.

The world of merchant services management is evolving at an impressive pace, thanks to innovations like IRIS CRM. In this episode of our podcast, we were joined by Jaron Ruckman, Product Manager for IRIS CRM, for an insightful conversation about how this revolutionary product is reshaping the industry.

IRIS, a product owned by NMI, is a comprehensive merchant services management solution that integrates with top processors and cultivates close-knit client relationships. For ISOs, banks, and ISVs, IRIS offers the benefit of enhanced visibility and accountability. It also provides an infinite data retention policy, which is a crucial feature for maintaining a complete and accessible record of all customer interactions and transactions.

We also decipher the complexities of residual reporting and demonstrate the tools you need to streamline split calculations. For businesses that are not utilizing a comprehensive tool like IRIS, the process of managing merchant services can be tedious and error prone. The use of disparate systems and manual processes can result in inefficiencies and inaccuracies. IRIS solves these issues by offering a single, integrated solution that manages the entire life cycle of merchant services.

In summary, IRIS a game-changing tool in the realm of merchant services management. Its comprehensive features and functionalities, coupled with its ability to integrate with top processors, make it a must-have tool for any business in the industry. Tune into our podcast for a more detailed exploration of IRIS and its myriad of benefits.

Prepare to meet David Lambert, the charismatic CEO of Paycross. Exuding a passion for payments, he's at the helm of this groundbreaking payment orchestration technology platform. We delve into his journey to the top; a journey fueled by personal and professional ambitions. Discover the unique features of Paycross as Lambert unravels the intricacies of payment orchestration and how it's revolutionizing card processing and cross-border transactions.

In the second half, get ready for an unexpected twist as we discuss Lambert's love for Japanese whiskey. Lambert's approach to payments is as nuanced and comprehensive as his taste in whiskey. Listen as he shares Paycross's strategy to serve underserved niche markets and their commitment to becoming indispensable to merchants by offering multifaceted payment solutions. The competitive payments industry is a game of agility and innovation. Tune in to learn from an industry expert about the future of payments and how to stay ahead of the curve.