On the latest episode of The MoneyPot Live at Money20/20 Asia, host Rachel Morrissey sits down with Hans Patuwo, Chief Operating Officer of GoTo Group, the largest digital ecosystem in Indonesia. Discover how GoTo's integrated ecosystem approach drives growth in one of the world's most dynamic digital economies. 

Hans reveals the fascinating journey of GoTo Financial, and how the company leverages proprietary ecosystem data to provide financial services to Indonesia's 97 million unbanked citizens. Learn about GoTo's innovative approach to customer acquisition, monetization, and retention in a diverse market spanning 17,000 islands with unique subcultures.

Key topics include:

•  The evolution of GoTo Group from mobility services to a broader ecosystem that includes fintech solutions
•  How COVID-19 accelerated digital payments and reshaped business priorities
•  Strategies for serving unbanked populations with limited credit access
•  Data-driven approaches to sustainable lending in emerging markets
•  The challenges of designing financial products for diverse user segments

Whether you're interested in fintech innovation, emerging markets, or platform economics, this episode offers valuable insights into how data and local expertise are transforming financial inclusion in Southeast Asia.

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The CFPB is at a crossroads. With leadership changes and a shifting political climate, what’s next for consumer protection? We break down the agency’s bold moves on open banking, BNPL, and EWA—and what the future holds as new leadership takes the reins. Tune in for a look at the future of financial rulemaking and the impact on consumers.

Hosts: 

Rachel Morrissey, Head of Content, Money20/20 US

Ian P. Moloney, SVP, Head of Policy and Regulatory Affairs, American Fintech Council

Guest: Ashwin Vasan, Partner, FS Vector

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The collapse of Synapse shook the fintech world. A year later, have banks, fintechs, and regulators done enough to prevent another disaster? In this episode, we explore the crucial steps to ensure stability—shared responsibility, smarter due diligence, and evolving regulations. Tune in to learn how the industry can avoid repeating history and build a safer, more resilient financial ecosystem.

Host: 

Rachel Morrissey, Money20/20 US

Phil Goldfeder, CEO, American Fintech Council

Guest: Peter Hazlehurst, CEO, Synctera

Investors for Synctera include: Lightspeed, Fin Capital, Diagram, SciFi, NA Ventures

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Open Banking has become one of the most significant regulatory challenges of the last decade, with global implications for both financial services and consumers. As financial institutions and consumers navigate the evolving landscape of data sharing, the U.S. has recently introduced new regulations that may reshape the future of financial innovation. In this episode, we explore the launch of the Consumer Financial Protection Bureau's Final Rule for Open Banking, its mixed reception, and the lawsuits that followed its finalization.

Hosts: Rachel Morrissey, Money20/20 US

Phil Goldfeder, CEO, American Fintech Council

Guest: Alexandra Barrage, Partner, Troutman Pepper Locke

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The disapproval of the OCC’s True Lender Rule in 2021 sparked a seismic shift in the fintech lending space, leaving a cloud of uncertainty over the regulatory landscape. As states roll out new true lender definitions and federal guidance remains elusive, the future of bank-fintech partnerships hangs in the balance. In this episode, we dive deep into the disruptive changes reshaping the industry, explore the potential impact of the new administration’s regulatory agenda, and debate what it will take to balance innovation with consumer protection. Tune in for a forward-looking discussion on what’s next for fintech lending in a rapidly evolving regulatory environment.

Hosts: Rachel Morrissey, Money20/20 US

Ian P. Moloney, SVP, Head of Policy and Regulatory Affairs

Guest: Martha O’Malley, Assistant General Counsel, Prosper

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Dive into the intricacies of artificial intelligence in the small business lending space in this thought-provoking episode. At the bustling Money 2020 conference in Las Vegas, we engage with Omri Yacubovich, CEO of Llama AI, as we address the pressing concerns surrounding traditional lending processes and how AI could reshape the future. With small businesses representing over 55% of the American economy, access to tailored lending solutions becomes a crucial topic of discussion.

As we explore the tension between AI-driven personalization and the potential for privacy invasion, personal anecdotes highlight the real-world implications of data misuse in the financial sector. We unpack the challenges faced by community banks as they strive to maintain personal relationships with clients while also adopting advanced technology. This episode illuminates how AI offers a more proactive approach to lending, allowing banks to anticipate the needs of small businesses while fostering trust and transparency.

Join us to listen to expert insights on how the future of finance can strike a balance between efficiency and empathy, and what this means for lenders and borrowers alike. Don't miss this opportunity to engage with transformative ideas about the intersection of technology and personalized service. Subscribe, share, and leave a review to join the conversation!

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In this episode, we speak with Ray Chalub, Chief Operations Officer of Inter & Co, to take you on a journey from the bustling streets of Brazil to the financial corridors of the United States, as we explore how they are pioneering a new financial paradigm.

Discover how this innovative fintech is transforming its business model to bridge the gap between emerging market scalability and the complex demands of the U.S. market. Our speakers share their insights on how remittances are unlocking the potential of Inter&Co’s financial super app, paving the way for a multi-vertical ecosystem that caters to diverse consumer needs.

We delve into the strategic moves that have positioned Inter&Co as a trailblazer in the global fintech landscape, offering a glimpse into the future of financial services. Whether you're curious about the dynamics of cross-border financial operations or the evolution of super apps, this episode is packed with valuable takeaways for anyone interested in the future of money.

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How do financial institutions combat the ever-evolving threat of identity fraud? In this episode, Naureen Ali, the US Head of Fraud at TransUnion, sheds light on this critical issue, underscoring that while 69% of institutions express concern, all are indeed affected. We analyze the rapid advancements in technology that have accelerated the speed, scale, and sophistication of fraud. Why might some organizations not voice their concerns? Noreen suggests it could be robust mitigation strategies or perhaps a concerning lack of awareness. The discussion navigates the complexities of fraud management in today’s digital age and the necessity of proactive strategies.

We also spotlight the human side of fraud, exploring schemes like romance scams that prey on vulnerabilities. Financial institutions play a pivotal role in protecting their customers, and we dive into the concept of "responsible friction." This involves implementing layered defenses, much like the Swiss cheese model, where each layer helps shield against potential threats. From step-up verification to direct interventions, these proactive measures are essential. Listen in as we stress the importance of consumer education and the vital responsibility of financial institutions in preventing victimization, ensuring a safer financial future for all.

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Identity fraud is evolving at lightning speed, driven by advancements in AI technology. Join us as Dana Porter from Au10tix shares groundbreaking insights from their Global Identity Fraud Report, revealing a dramatic rise in cyber threats and highlighting the alarming use of AI-powered bots in social media. Guided by Ian Horne and Scarlett Sieber, we uncover the nuances between 'slow burn' and 'sudden burst' fraud attacks and how AI is turbocharging these threats. Delving into the rise of deepfakes, we explore the complex challenges this technology poses for identity verification, making it easier for criminals to manipulate identities in real-time and outpace traditional security measures.

The conversation doesn’t stop there. We tackle the vital role of regulation and enforcement in fighting back against these persistent threats, especially in the crypto and payments sectors. Dana sheds light on the transformative effect of the 2023 MiCA regulation in Europe, which has succeeded in curtailing fraud in crypto markets by imposing stricter customer onboarding practices. We also explore Interpol's global operations that disrupt organized crime, alongside innovative solutions like decentralized identity and verifiable credentials. For both consumers and businesses, practical strategies to increase security are shared, emphasizing the importance of constant vigilance and multi-layered defense systems rather than relying solely on regulatory frameworks. Tune in for invaluable insights into securing your digital identity in a rapidly changing landscape.

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Could a mere shift in how you manage finances redefine the success of your small business? Join us on an insightful journey as Cheryl Chen and Ian Horne, explore this possibility with Juliana Berger, the Director of Product Management at Intuit QuickBooks. Live from the energetic Money 2020 USA in Las Vegas, we examine the pressing issue of cash flow challenges that plague small businesses and the innovative solutions being developed in the fintech arena to alleviate these burdens. Juliana shares her wealth of knowledge on how harnessing the power of brands like QuickBooks, Credit Karma, and TurboTax can transform small business financial management from a constant headache into an empowering experience.

Discover how Intuit and QuickBooks are addressing the stress and fear associated with cash flow management by harnessing the power of AI and automation. Through engaging stories and personal anecdotes, including my own ventures into soy candles and football businesses, we illustrate the profound impact of automation on reducing administrative burdens and boosting business efficiency. Listen to discussions about innovative QuickBooks features like automatic reconciliation and cash flow planning that are helping businesses not just survive but thrive by significantly lowering failure rates.

We dive into the realm of big data and AI, exploring how QuickBooks is pushing the boundaries of traditional finance services with solutions like a $50,000 line of credit that requires no additional documentation. Juliana sheds light on how AI is reshaping productivity and competitiveness, serving as a trusted advisor for businesses in this rapidly evolving landscape. As we wrap up, we envision a future where accounting software not only enhances efficiency but seamlessly integrates with everyday business activities, offering unprecedented convenience and personalization. Tune in to uncover how these cutting-edge innovations are setting the stage for the future of small business accounting.

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