Today’s episode features Caroline Tran, Co-founder and CEO of Hello Clever. Caroline’s journey is as unlikely as it is inspiring. From working in media to building one of Australia’s most ambitious fintech startups, she’s turned a simple belief, people should be clever with their money, into a global payments platform. Hello Clever now offers merchants real-time settlement, cashback-driven loyalty, and AI-powered insights across more than 20 markets.

Today, we’re discussing…

• How Caroline turned a consumer app into a global payment company
• The lessons (and costs) of being a first mover in a new industry
• Why real-time payments matter for merchants’ cash flow and customer experience
• How cashback campaigns can replace discounts and drive loyalty
• The psychology behind cashback vs discounting
• How SMEs can plug in Hello Clever with minimal effort
• Raising $4.5m in seed funding to build compliance and global expansion
• Why large merchants are slower to adopt real-time payments and what change management is needed
• Expansion into Japan and the US, and how they’re navigating local banking systems
• The risks of fraud, scams, and returns in real-time payments: and how Hello Clever handles them
• Caroline’s view on Gen Z’s hunger for instant gratification and how cashback feeds it

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