Sub11 Uncovered: Amplifying Innovation

What would you do if I handed you a million dollars to grow your business?
That’s the question Jodie Iman has been asking founders at Intersekt — and the answers have been fascinating.

In this episode, Chris Titley chats with Jodie about:
💰 How Tractor Ventures has deployed over $100M to 250+ companies
🚀 Why 2025 has marked a return to growth in the alternative capital landscape
🌱 The power of community and peer support in helping founders scale
🏛 Her dual role at FinTech Australia and the policy momentum driving the sector forward
🧢 Plus, some personal insights on hiring, delegation, and scaling smart through Outposter

A lively conversation on capital, community, and the future of fintech in Australia.

Banking Circle has made major moves in 2025 — securing regulatory approval to acquire Australian Settlements Limited and positioning itself as the bank for fintech in Australia.

At Intersekt, Chris Titley catches up with Piers Cracknell, GM at BC Payments Australia (Banking Circle)
💬 Why Intersekt has become a cornerstone for the fintech community
🏦 How Banking Circle’s local strategy has evolved since launching in Sydney four years ago
🌏 The role it plays in enabling Australian fintechs to scale globally (and vice versa)
💡 Key trends shaping payments right now — from PayID and PayTo to stablecoins and AI
✈️ Plus, Piers shares his surprisingly efficient international travel tips

A sharp look at how global banking infrastructure is meeting Australia’s fast-maturing fintech ecosystem.

In this episode of Scoreboard, Chris Titley is joined by the co-founders of Faybl—George Lucas, Leonard Choo, and Steven Goh—to explore the next frontier of financial services.

With decades of experience across fintech, advisory, and digital infrastructure, the trio explains how Faybl is using AI to close the global advice gap.

From building scalable tools for financial planners to reimagining client engagement through "general agents," the team unpacks the vision, challenges, and global opportunities ahead.

They also share how AI is helping planners save time, improve compliance, and provide dynamic, real-time advice—without replacing the human touch.

Whether you're a financial professional or just curious about where AI and money management intersect, this episode is a fascinating look behind the innovation reshaping the advice industry.

Website: https://www.faybl.com/

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This podcast was produced in partnership between Faybl and Sub11. Sub11 has been engaged to support social media content amplification, including the creation and distribution of both audio and visual assets across multiple channels.

The interview is with Patrick William, co-founder of Rixon Capital, a private credit fund that provides non-dilutive debt funding to emerging companies.

Rixon focuses on loan sizes from $1 million without taking equity warrants, offering an alternative to equity financing or larger debt facilities.

Patrick discusses Rixon's origin, target market, advantages of debt over equity, progress since inception, loan terms, due diligence process, future plans to grow their fund size, and how they aim to educate the market on their offering, particularly in the fintech space.

Chris Titley discusses Nexxtap, a software point-of-sale (soft POS) solution developed by an Australian company.

Ryley Morton, the marketing manager, explains that Nexxtap is a mobile application that allows businesses to accept card payments using NFC-enabled Android devices, eliminating the need for traditional payment terminals or card readers.

He highlights the benefits of Nexxtap, including faster transactions, better consumer experience, scalability, and affordability with a flat 1.25% transaction fee and no additional costs.

Morton emphasises Nexxtap's focus on security and compliance, with military-grade encryption, PCI compliance, and a stateless app design for enhanced data protection.

The company aims to target local merchants initially and then expand to larger enterprises.

Morton also hints at exciting future developments and integrations in the pipeline.

This is a podcast interview with Bailey Smith and Sam Stanley, co-founders of Trybe a startup that has developed a mobile app marketplace connecting private barbers with customers.

They discuss the origins of the business idea, the process of building and launching the app, key features and functionality, marketing strategies, expansion plans, and the challenges and experiences of being startup founders.

The interview covers topics such as the app's user and barber interfaces, social media marketing campaigns, feature prioritization based on barber feedback, plans for geographic expansion to New Zealand and potentially the US market, and the highs and lows of the startup journey.

The is an interview with Steven Furman, the founder and CEO of PayTime, a company that provides earned wage access solutions to help employees access their earned wages before payday without taking out loans or going into debt.

Steven discusses the origins of PayTime, which stemmed from observing frontline workers living paycheck to paycheck and struggling with unexpected expenses. He explains how PayTime integrates with payroll and time attendance systems to allow employees to access a portion of their earned wages (typically 50%) after each shift.

The solution aims to improve financial wellness, reduce stress, and increase productivity for both employees and employers.

Steven also discusses the growth of the earned wage access industry globally, with widespread adoption among Fortune 500 companies. In Australia, PayTime has been operating for about three years and has gained traction with various brands across industries like hospitality, retail, healthcare, and mining services.

Steven highlights the benefits for employers, such as reduced staff turnover, increased productivity, and cost savings. He also touches on the future plans for PayTime, aiming to become the leading financial wellbeing solution for frontline workers and promoting the concept of real-time access to earned wages.

The podcast was with Chris Titley and Evan Thornley, the co-founder and CEO of Longview. Evan discusses his background in the Australian technology industry, including founding one of the first Australian tech companies listed on NASDAQ.

He then explains the motivation behind starting Longview, which aims to address issues in the Australian residential property market such as housing affordability, rental instability, and poor investment returns for landlords.

Longview's solution is to create a housing fund industry in Australia, similar to those in other countries, where investors can invest in residential property through funds rather than directly owning individual properties.

Evan describes Longview's first fund, a shared equity fund where the company co-invests with homeowners and homebuyers, providing equity in exchange for a share of future capital growth. He outlines the investment strategy of targeting 'RODWELLS' (Robust, Older Dwellings on Well-located Land) to capitalise on the long-term appreciation of well-located suburban land. Evan envisions Longview pioneering a vibrant housing fund industry in Australia within the next decade, offering diversified investment opportunities and solutions for housing affordability and rental stability.

This Podcast is an interview with Michael Baker, CEO and Managing Director of Arovella Therapeutics , a biotechnology company focused on developing cell therapies for cancer treatment. Michael discusses his background, transitioning from a research scientist to venture capital and then joining Arovella in 2020. He explains Arovella's work on CAR-iNKT cell therapies, which involve genetically reprogramming a patient's immune cells to target and kill cancer cells.

Michael highlights the advantages of Arovella's approach over traditional CAR-T cell therapies, including faster manufacturing, lower costs, and the ability to treat multiple patients from a single manufacturing run.

He outlines recent milestones, such as completing the manufacturing process development and scaling up for clinical trials. Michael also discusses the competitive landscape, potential partnerships and acquisitions in the cell therapy sector, target markets, and upcoming milestones for Aravella, including regulatory submissions, animal studies, and exploring new technologies.

This content is factual information only, does not contain financial product advice and has not been prepared in consideration of your personal circumstances or needs. Views shared by individuals are their own personal views and not the views of Sub11. We are not licenced to provide financial product advice and cannot make investment recommendations to you. Investments carry risk. Please consider seeking professional financial advice, and read the relevant disclosure documents, before making any decisions to invest in financial products.

The article is an interview with Scott Austin, CEO of PayLab, a company that provides wage access and rewards platform for employees.

Scott discusses his background in technology and how PayLab was founded by a baker and property developer to address the need for wage advances.

He explains that the company has pivoted from solely offering wage advances to also providing a rewards platform with digital gift cards and discounts at various retailers. Scott highlights the growing market for responsible wage access solutions, especially during tough economic times.

He shares insights into PayLab's user demographics, average spending on the platform ($550 per month), and partnerships with companies like Rent.com to enable rent payments through rewards.

Looking ahead, Scott aims to scale the business by introducing more payment options, savings initiatives, and premium rewards categories like travel and wine.