Investment apps have garnered a lot of attention this year, as the thwarted GameStop short displayed how democratized access has changed the flow of market information and actions.    While some have treated it as a game, investing is a great way to protect and build wealth.   And while we are experiencing inflation, democratizing and making those tools available to everyone is an important step in re-imagining personal finance to help build up the middle class.    We spoke to Brian Barnes, the CEO of M1 Finance, who is working to make investing part of every persons financial management, and has created a way to encourage micro-investing that helps people think long term and understand that everything is becoming digital, even the rancher's cows...

Guest:  Brian Barnes, CEO of M1 Finance

Hosts:  Sanjib Kalita,  Editor-in-Chief, Money20/20

Rachel Morrissey,  Producer, Money20/20

Producers:  Roland Bodenham, Senior Video Producer and Podcast Lead, Money20/20

Rachel Morrissey, Producer, Money20/20

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User experience is at the heart of the fintech revolution.   Innovation has centered around building better, smarter, cheaper, and more helpful services to disrupt the establishment and reinvigorate competition for the consumer.   If data is the oil of that innovation, then understanding the pipelines is all part of enhancing customer service and the user experience.    To understand more about data flows, and how that can contribute to stronger business models, better UX, and the future of work, we spoke with Halil Kama of the London Internet Exchange (LINX)

Guest:  Halil Kama, Senior Peering Advisor, LINX

Hosts: Sanjib Kalita, Editor in Chief, Money20/20
Elena Mesropyan, Head of Content, Money20/20 EU

Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

Rachel Morrissey, Executive Podcast Producer, Money20/20

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In our part 2 of How to Re-Platform a Bank,  we rejoin Form3 to take us through the tips to let go of your legacy technologies, and update your core.   What steps should you consider?  What helps you to trust the process and feel secure.    And as cloud technologies become more central, how soon should you get started?    We spoke to Nick Middleton, the Enterprise Program Director at Form3 about tips and ideas to start your transformation.

Guest: Nick Middleton, Enterprise Program Director, Form3

Host:  Sanjib Kalita, Editor-in-Chief, Money20/20

Gary Dempsey, Content Leader, Money20/20 EU

Producer: Roland Bodenham, Senior Video Editor and Podcast Lead, Ascential

Sanjib Kalita, Editor-in-Chief, Money20/20

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Open finance is gearing up to change the way that financial products are developed and delivered.   For example, payroll data underpins almost all retail financial products.   Having better, cleaner, faster access to that data could change the way financial risk is assessed.   So, what has kept us from using it before? - cost, privacy, speed, verified accuracy, and technological capability.   But, all of that could be set to change according Kurt Lin, the Co-Founder and CEO of Pinwheel,  the API for payroll.  

Guest:  Kurt Lin, Co-Founder and CEO of Pinwheel

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20

Rachel Morrissey, Producer, Money20/20

Producers:  Roland Bodenham, Senior Video Editor and Podcast Lead, Ascential

Rachel Morrissey, Producer, Money20/20

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Whether cryptocurrencies are up or down,  they have gained real legitimacy in 2020.  One of the reasons behind that is a company called Chainalysis, which has built an impressive data platform that allows you to decode transaction history throughout blockchains.   But their plans are much more ambitious.   Recognizing the value of bitcoin's scarcity, and the creativity spurred by innovations of competing currencies, they see a future of digital assets and want to provide the platform to keep them secure and legitimate.  To learn how, we spoke to Philip Gradwell, Chief Economist at Chainalysis, Inc

Guest:  Philip Gradwell, Chief Economist, Chainalysis, Inc. 

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20

Rachel Morrissey, Producer, Money20/20

Producers: Roland Bodenham, Senior Video Editor and Podcast Lead, Ascential

Rachel Morrissey, Producer, Money20/20

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Customer centricity is central to fintech innovation and lately groups of digital first banks have sprung up addressing the needs of different underserved communities.     Daylight, a neobank aimed at serving LGBT+ communities, is changing the game when it comes to understanding the customer.   Using both market research and personal experience,  Co-Founders Rob Curtis and Billie Simmons, are applying common sense and a humane approach to creating a better customer experience.   They are now calling on the entire industry to shift their practices by starting the Call Me By My Name campaign to ask that financial services adopt those practices industry wide.  

Guests:   Rob Curtis, CEO and Co-Founder, Daylight

Billie Simmons, Co-Founder and Chief of Staff, Daylight

Hosts: Gary Dempsey,  Content Leader, Money20/20 EU

Kisha Allison, Head of Content, Money20/20 USA

Producers:  Roland Bodenham, Senior Video Producer and Podcast Lead,  Ascential

Rachel Morrissey,  Producer, Money20/20 

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Venture Capital is at the heart of financial services disruption.   In Q1 of 2021, over 17 billion dollars has poured into fintech startups, and the investors are not simply side players that provide a check.  They can be an invaluable resource for founders creating the products and services that are changing this industry.   Understanding the expertise, networks, and talent pools that VCs bring to the table can help startups understand what they should look for in a VC.  We spoke to Rebecca Lynn, Founder of Canvas Ventures about the role she plays and what VCs bring to the table. 

Guest: Rebecca Lynn, Founder, Canvas Ventures

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20

Rachel Morrissey, Producer, Money20/20

Producers:  Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

Rachel Morrissey, Producer, Money20/20

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Data is at the center of personalized experiences, but there is a fine line between tailored experiences and being creepy.  With the zeal to reach customers, tech doesn't always watch that line.   But we know that understanding your customers and providing services they want is key to differentiating yourself in the e-commerce space.    We spoke to Bill Schneider and Julie Cox from SheerID to learn more about creative ways to collect good data, using non-traditional data to rethink credit worthiness, and thinking about financial services as a way to garner customer loyalty. 

Guests:  Bill Schneider, Head of Product Marketing, SheerID

Julie Cox, VP of Financial Services, SheerID

Hosts:  Sanjib Kalita, Editor-in-Chief, Money20/20

Rachel Morrissey, Producer, Money20/20

Producers:  Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

Rachel Morrissey, Producer, Money20/20

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There is a slew of  niche neobanks that are designed to serve communities that are traditionally underserved and marginalized.   By serving these markets,  the founders believe that they can grab and create customer bases worth millions of dollars, as well as equalize the playing field and helping advance the mission of helping people build wealth.  To understand what issues that these new banks are addressing, we spoke to Hassan Miah who has launched Paybby-  a digital only bank designed to serve black and brown communities. 

Guest: Hassan Miah, CEO, Paybby

Hosts:  Sanjib Kalita, Editor-in-Chief, Money20/20

Kisha Allison,  Head of Content, Money20/20USA

Producers:  Roland Bodenham, Senior Video Editor and Podcast Lead, Ascential

Rachel Morrissey, Producer, Money20/20

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Too often, regulations and regulators, are looked at as the enemies of innovation.   But, the world of RegTech isn't only about lowering the costs of compliance.  It is about empowering regulators to be flexible to serve bigger policy goals, keeping the market fair and dynamic.   We spoke with Murat Abur, Co-founder and CTO at Suade Labs to discuss the developments and possibilities that RegTech is creating to keep from over or under reacting to the amazing speed of the fintech revolution.     

Guest:  Murat Abur, Co-Founder and CTO, Suade Labs

Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20

Rachel Morrissey, Producer, Money20/20 

Producers:  Roland Bodenham, Senior Video Editor and Podcast Lead,  Ascential 

Rachel Morrissey, Producer, Money20/20

Sanjib Kalita, Editor-in-Chief, Money20/20

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