Payments Innovation

Marqeta isn’t your usual sort of fintech. They don’t wrap their API into a legacy system. They own everything, from the hardware, to the API.

Dave Matter, Head of Global Product Strategy at Marqeta, recently joined us on the Payments Innovation podcast to discuss what he sees as the future of banking, and how their unique product is taking advantage of financial service opportunities around the globe.

Dave has worked in fintech with digitizing student loan processing, and with investments, mortgages, Quicken loans … you name it, he’s done it. 

What we talked about:

• How Marqeta has no middle layers and is a full stack, fully certified program manager
• How Marqeta works with the issuing banks
• The advantages of working with Marqeta
• • 1 — Time to market
  • 2 — Marqeta supports various form factors
  • 3 — Onboarding time for customers
  • 4 — Different country, same interface
• The future of Marqeta

To ensure that you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, or Spotify, or here. 

Until next time!

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When it comes down to payments and foreign exchange exposure, small and medium sized businesses don’t have a good understanding of what it’s costing them.

It varies from company to company, obviously, but even the big companies can be oblivious to the charges — up to 5%.

On this episode, I talked with Pourash Pant, co-founder of Tigerflo Global Payments, about why most SMBs don’t even realize how much they’re losing.

What we talked about:

• The reality of foreign exchange payments losses
• Why SMBs are particularly susceptible to the “used car dealership model”
• Average losses for small businesses and medium businesses
• Educating SMBs in foreign exchange solutions
• The next 5-10 years in FinTech

To ensure that you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, or Spotify, or here.

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A lot of people ignore the middle part of the United States. 

The “flyover” states, as they’re called, get a bad rap. They’re ignored for the likes of New York, LA, Silicon Valley, and Austin. 

But there is so much happening in Middle America. Incredible things really. 

On this most recent episode of the Payments Innovation Podcast, we sat down with Nikkee Rhody, Vice President of Product Development and Marketplace Strategy at Central Payments, and Co-Founder and Managing Director at Falls Fintech. 

We talked about Middle America, what’s going on with Falls Fintech, a fintech accelerator, and what their plans are for the coming year.

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For many businesses, the 2008 financial crisis was a death blow. But for at least one opportunistic entrepreneur, it was the moment he made a game-changing dive into a fintech business.

David Gens is the Founder, President, and CEO of Merchant Growth, a fintech specializing in delivering financing to small retail businesses in Canada.

David joined me on the Payments Innovation podcast to share how he’s leveraging AI to deliver game-changing financing to small business.

What we talked about:

• How the 2008 financial crisis impacted financial services
• Traditional financial institutions aren’t really competitors anymore in the small business financing arena
• David’s first challenge was building trust with small business owners 
• David alleviated some of the trust issues by partnering with big-name logos
• Merchant Growth’s financing structure: built on data
• Leveraging AI to drive financing
• One fintech CEO’s predictions about the financial services
• Small retail businesses needed a new funding source after the 2008 financial crisis

To ensure that you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, or Spotify, or here. 

Until next time!

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As a Business Development Rep, Brady is experienced in enterprise-level solution selling with determination to learn and master complex industries. 

With years of experience Brady has worked for Healthify, TruClinic, and Better before joining the Currencycloud team.

In this episode we welcome Brady to the hosting team at the Payments Innovation podcast. 

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On this episode of the Payments Innovation Podcast we sit down with Bill Dague a Senior Data Scientist at Quandl. Before he began working with Alternative Data at Quandl he was at Nasdaq, before they acquired Quandl. 

According to Bill, the world of data science is changing, for employees dedicated to working in the field, and companies seeking to maximize revenue by leveraging its power through data. 

Sometimes, the byproduct data can help companies to sort out the following unexpected benefits:

-new consumer insights

-deeper understanding of consumer trends and habits

-competitive dynamics by industry

-broader overall picture of the economy

Data can come from anywhere, which is why it’s such an important field. Due to the ubiquity of the data available to companies, Bill explains that we are only now just beginning to scratch the surface of how that data can be relevant and useful to companies. For instance, most data is tied up in a small handful of companies. Bill shared that from his perspective it appears that the playing field is about to open up with new emerging companies stepping into the arena.

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Cara has a passion for helping community banks and credit unions survive and thrive. As the daughter of parents who were small business owners she understands the importance of community financial institutions to the survival of small and medium size businesses who provide the majority of jobs for the American people. At Currencycloud, Cara partners with financial institutions to provide better solutions for their commercial customers looking to facilitate global business.

Prior to joining Currencycloud, Cara spent 4 years at CBANC as the Director of Business Development helping community banks, credit unions, and their vendor partners navigate complex challenges in the industry. Before that she spent over six years at Barclays in New York as a VP in Sales where she was responsible for securing large hedge fund mandates for the firm.

Cara holds a BS in Business Administration from the University of New Hampshire where she concentrated on entrepreneurship. When she’s not learning what keeps community financial professionals awake at night, Cara enjoys playing soccer, relaxing with her dog, traveling and pretending to be a home chef. 

In this episode we welcome Cara to the hosting team at the Payments Innovation podcast. 

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76% of banks use fintechs for payment solutions for their corporate clients.

Why, then, are some banks still stuck in the Dark Ages?

Craig Jeffery, Managing Partner at Strategic Treasurer LLC fills us in on the latest B2B Payments Survey Report and his predictions for the future of bank/fintech relationships.

In this episode, we cover:

• The current landscape of B2B payments
• Improving enterprise customer experience
• Protecting against fraud

To listen to this episode and more like it, subscribe to Payments Innovation on Apple Podcasts or wherever you listen to podcasts.

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Natalie Cartwright and her team at Finn AI have a mission: to improve the financial well-being of 100M people by 2025. And they’re leveraging AI to achieve that mission. 

What we talked about:

• How Finn AI is applying AI in the financial services industry
• How do virtual assistants create more value for customers?
• How do virtual assistants create more value for financial institutions?

Check out these resources

• Finn AI
• Natalie’s LinkedIn

To ensure that you never miss an episode of Payments Innovation, subscribe on Apple Podcasts, or Spotify, or here. 

Until next time!

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Since the 80s, we’ve watched automation make the buy side of trading much more effective. But when it comes to the retail side, the technologies haven't evolved at all. 

But that’s where Quantreex comes in. It’s a web based trading platform that allows you to create automated trading strategies in under a minute. It also leverages AI and machine learning to help you control risk and increase returns.

On this episode of the Payments Innovation podcast we caught up with Ali Kousari, Co-Founder of Qantreex, to get an inside look at why this solution works and what it could do for you.

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