In this episode of the AI Interconnect podcast, Laurent Cochet speaks with Variindar Vaissh, founder and CEO of URBNED, a cross-border payment application designed to help immigrants and expats send money more efficiently. Varendar shares his journey from India to Spain, the challenges faced in traditional banking systems, and how Urban aims to simplify digital transactions for users. The conversation delves into the importance of building trust within immigrant communities, navigating regulatory hurdles in the fintech space, and the future of digital payments and cryptocurrencies. Variindar emphasizes the need for a strong focus on customer experience and the lessons learned as a founder in a rapidly evolving industry.

Takeaways

Urban is focused on helping immigrants with cross-border payments.

Variindar's journey highlights the challenges of traditional banking.

The COVID-19 pandemic accelerated the need for digital payment solutions.

Education on crypto and digital transactions is crucial for users.

Regulatory compliance is a significant challenge in fintech.

Building trust with customers is essential for retention.

The future of payments is moving towards lower fees and faster transactions.

User experience should be prioritized over visibility in fintech apps.

Immigrants often seek ways to avoid high taxes on remittances.

Variindar emphasizes the importance of having a dedicated team.

Titles

Revolutionizing Cross-Border Payments with Urban

Varendar Vaish: The Journey of Urban

Sound bites

"We help immigrants move money digitally."

"We want to reduce payment fees under 1%."

Chapters

00:00 Introduction to URBNED and Variindar Vaissh

01:30 Personal Journey and Motivation Behind URBNED

04:59 The Problem with Traditional Banking Systems

07:19 Target Audience: Immigrants and Expats

08:43 Digital Rails and User Experience

11:01 Real-World Impact on Immigrants

12:21 Challenges in FinTech: Regulation and Compliance

13:57 Building Trust and Overcoming User Acquisition Challenges

15:19 Customer Retention Strategies

16:57 The Evolving Landscape of Cross-Border Payments

19:02 Market Signals and Future Trends

21:38 Misunderstandings About Immigrant Money Transfers

23:59 Future Goals for URBNED

25:33 B2B Opportunities and Market Strategy

27:58 Focus Areas and Avoiding VC Pressure

30:33 Advice for Other FinTech Founders

32:56 Key Habits for Founders

34:24 Conclusion and Future Engagement

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Variindar Vaissh, Founder and CEO of URBNED, joins AI InterConnect to share how his fintech startup is transforming cross-border payments for immigrants and expats. In this episode, Variindar explains how digital payment rails, stablecoins like USDC and USDT, and crypto-enabled debit cards can help people move money internationally in minutes instead of days.

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