Wharton FinTech Podcast

Tarang Gupta has a conversation with Anat Guetta, Chairwoman of the Israel Securities Authority. The Israel Securities Authority (ISA) is the national securities regulator of Israel. Established by law in 1968, which defines the ISA's role "to protect the interests of the public investing in securities." ISA is active in two main areas: protecting investors; developing the regulatory infrastructure, tools and products for an advanced, diverse, competitive and innovative public capital market. In this episode you will hear about: ­-What makes Israel such an innovative country ­-Use and adoption of blockchain in capital markets ­-Open banking regulations in Europe and Israel And much more! About Anat Guetta Anat Guetta is the Chairwoman of the Israel Securities Authority. Anat is a serial entrepreneur who started her career in the banking industry, managing credit risk products and project finance. She then founded and led Arko Holdings; a public company listed on the Tel Aviv Stock Exchange. Anat is also the co-founder of Entropy Financial Research Services where she served as the CEO and led the development of a corporate governance index, and a debt management policy before joining the ISA. About Israel Securities Authority The Israel Securities Authority (ISA) is the national securities regulator of Israel. ISA currently oversees a broad array of activities in the capital market, including the Tel Aviv Stock Exchange. For additional information on ISA, please visit www.isa.gov.il/ For more FinTech insights, follow us below: WFT Medium: medium.com/wharton-fintech WFT Twitter: twitter.com/whartonfintech Tarang’s Twitter: twitter.com/tg_tarang Tarang’s LinkedIn: linkedin.com/in/taranggupta100

Gabriela Ariana Campoverde sits down with Steve Fredette, President, Co-founder and a Director of Toast. Toast is an all-in-one point-of-sale and restaurant management platform for businesses in the food service and hospitality space. Since its inception in 2011 it has helped clients delight their guests, do what they love and thrive. In this episode you will hear about: - Toast’s humble beginnings - What new features better served Toast clients during the pandemic - What innovation Steve is excited about for the restaurant industry - All about Toast’s culture - And much more! About Steve Fredette Steve Fredette is President, Co-founder and a Director of Toast, where he leads product and innovation initiatives. Prior to Toast, he worked on mobile app development before the iPhone came out, creating the first Flickr and Shoebuy.com apps. At Endeca, now Oracle, he co-founded their mobile commerce business, building the product team and driving sales, marketing, and services to over $10 million in revenue in two years. He is a graduate of the Massachusetts Institute of Technology, where he studied Chemistry. His favorite toast is Marble Rye. About Toast Toast is an all-in-one point-of-sale and restaurant management platform for businesses in the food service and hospitality space. For additional information on Toast, please visit pos.toasttab.com. For more FinTech insights, follow us below: Medium: medium.com/wharton-fintech WFT Twitter: twitter.com/whartonfintech Gabriela’s Twitter: twitter.com/byGabyC Gabriela’s LinkedIn: linkedin.com/in/gcampoverde

In today's special episode, Anirudh Singh sits down with classmates and fintech founders Gaby Campoverde, John Garner, and Nate Soffio. They discuss their rising startups, Miren, Card Curator, and Portabl, as well as the impact the Wharton MBA has had on their respective companies. Gaby Campoverde: Gabriela Ariana Campoverde is CEO and Founder of Miren. She is currently an MBA candidate at The Wharton School and Masters in Computer and Information Technology at Penn Engineering. Prior to her graduate studies she worked at a WPP agency, American Express and Goldman Sachs. She is passionate about building products for working-class, immigrant communities across the US and is a proud New Yorker. She studied Art History and Linguistics at Swarthmore College. Website: https://www.getmiren.com/ John Garner: John Garner is the CEO and co-founder of Card Curator, a credit card rewards optimization app. Prior to starting Card Curator, John spent 5+ years as a volatility trader for Merrill Lynch, and left his Wall Street job to follow his real passion: credit card rewards and travel. John went on to invent the Card Curator algorithm called CardArb, which nets its users 5–10% or more in rewards on their daily card spending. He's an expert in all things related to credit cards and free travel, and loves helping others crack the code in the points and miles game with the Card Curator app. John holds a Bachelor of Arts in Economics and Psychology from Dartmouth College, and a Master of Business Administration from the Wharton School of the University of Pennsylvania. Website: https://www.cardcurator.com/ Nate Soffio: Nate is in the home stretch of his MBA at Wharton, where he serves as Co-President of Wharton Fintech. He spent 10 years building and launching identity-focused products at startups in the US and in the UK/ EU, specializing in the know-your-customer (KYC) landscape and privacy-preserving adtech. Right before Wharton, he lead KYC at Arachnys, a QED portfolio company, through its acquisition in 2020. In his spare time, he's a long-distance cyclist and budding rock climber. Website: https://getportabl.com/ For more FinTech insights, follow us below: Medium: medium.com/wharton-fintech LinkedIn: www.linkedin.com/company/wharton-fintech-club/ WFT Twitter: twitter.com/whartonfintech Anirudh's Twitter: twitter.com/avsingh_24

Anirudh Singh sits down with Brad Bernstein, Managing Partner at FTV Capital. Brad has been a growth equity investor at FTV Capital for over 18 years, leading investments in enterprise technology & services and financial services. In today's episode, they discuss what drives FTV Capital's success, investments in Enfusion, Plate IQ, Paddle, LoanPro and EBANX, and much more! Brad Bernstein: Brad is managing partner and has been a growth equity investor at FTV Capital for over 18 years, leading investments in enterprise technology & services and financial services. Brad has over 25 years of private equity experience. Prior to FTV, Brad was a partner at Oak Hill Capital Management and its predecessors where he managed the business and financial services group. He began his private equity career with Patricof & Company Ventures and started his professional career in the investment banking division of Merrill Lynch in New York. For more FinTech insights, follow us below: Medium: medium.com/wharton-fintech LinkedIn: www.linkedin.com/company/wharton-fintech-club/ WFT Twitter: twitter.com/whartonfintech Anirudh's Twitter: twitter.com/avsingh_24

Anirudh Singh sits down with Gaurav Sharma, CEO and Co-Founder of Capitalize a venture-backed fintech company in New York focused on the retirement savings market. In today’s episode, they discuss the size of the 401K rollover issue in the United States, Capitalize being listed as one of TIME's best inventions of 2021, the fundraising process, and much more! Gaurav Sharma: Gaurav leads Capitalize's mission to help people save for retirement. Before founding Capitalize, he worked for some of the best-known financial institutions, including JP Morgan, UBS, Morgan Stanley, and as an investor at well-known hedge fund Greenlight Capital. After seeing how hard it is for most people to understand their retirement accounts, he decided to build a company that makes it easier. An Australian by birth, Gaurav lives in New York with his wife and their adopted puppy, Lorenzo. For more FinTech insights, follow us below: Medium: medium.com/wharton-fintech LinkedIn: www.linkedin.com/company/wharton-fintech-club/ WFT Twitter: twitter.com/whartonfintech Anirudh's Twitter: twitter.com/avsingh_24

Gabriela Ariana Campoverde sits down with Christina Keitt Chaney, Head of Sales and Relationship Management of MoCaFi. MoCaFi is short for Mobility Capital Finance, and today the company helps over 70MM clients across the United States open a bank account, build credit, and support local businesses. The company was founded in 2015 with a mission to address social inequities by closing the racial wealth gap. In this episode, you will learn all about: - The MoCaFi products which help its clients reach financial empowerment - How MoCaFi works with local governments to distribute benefits - MoCaFi’s mission-oriented company culture - Christina’s twenty year career in financial services - And much more! About Christina Keitt Chaney Christina Keitt Chaney is the Head of Sales and Relationship Management of MoCaFi. She has over twenty years of experience in financial services and prior to MoCaFi, she worked at American Express, BNY Mellon, JP Morgan-Chase, Bank of America Merill Lynch, and US Bank across Sales and Corporate Strategy roles. She is a graduate of Delaware State University, where she studied Political Science. About MoCaFi Launched in 2015, MoCaFi is a fintech, committed to closing the wealth gap for Black, Latinx, and all communities disconnected from the mainstream economy. To learn more about MoCaFi, visit mocafi.com. For more FinTech insights, follow us below: Medium: medium.com/wharton-fintech WFT Twitter: twitter.com/whartonfintech Gabriela’s Twitter: twitter.com/byGabyC Gabriela’s LinkedIn: linkedin.com/in/gcampoverde

Anirudh Singh sits down with Shimon Kogan, Associate Professor of Finance, with positions at Arison School of Business, Reichman University and The Wharton School. The two discuss the shifting perspective around fintech companies after the financial crisis, why fintech is an excellent industry for new graduates to get into, exciting global trends in the industry, and much more! Shimon Kogan: Prof. Kogan is an Associate Professor of Finance, with positions at Arison School of Business, Reichman University and The Wharton School. He was on the faculty at MIT Sloan, Carnegie Mellon University, University of Texas at Austin, and Duke. He held several investment-management positions and board advisory roles. He earned his MBA and PhD from the University of California at Berkeley and his BA from Tel Aviv University. Dr. Kogan’s research focuses on behavioral finance with application to capital markets. He is interested in understanding how information is processed in markets and his approach is interdisciplinary, integrating tools and insights from machine learning and AI. His research appeared in some of the profession's top journals such as the Review of Financial Studies, Journal of Finance, and the American Economic Review, and he was invited to present his work in leading conferences and universities, such as MIT, Wharton, Harvard, and Yale. His teaching is focused on machine learning, data science, and blockchain, and their implications for finance. He has been teaching Fintech, Data Science for Finance, Investment, Portfolio Management, Derivatives, and Behavioral Finance. He is involved with several startups in the fintech space and is often invited to speak about these issues in both academic and practitioners’ conferences. For more FinTech insights, follow us below: Medium: medium.com/wharton-fintech LinkedIn: www.linkedin.com/company/wharton-fintech-club/ WFT Twitter: twitter.com/whartonfintech Anirudh's Twitter: twitter.com/avsingh_24

Sigal Mandelker, General Partner at Ribbit Capital, discusses her career in public and private sectors, Ribbit's investment in Chainalysis, cryptocurrencies, anti-money laundering, and promoting public-private fintech partnerships. Topics include crypto's role in humanitarian efforts, investment theses in fintech and crypto, and creating a more inclusive financial ecosystem.

Anirudh Singh sits down with Katherine Salisbury, Co-Founder and Co-CEO of Qapital. The two discuss Katherine’s early career, co-founding not one but two companies with her partner, Katherine’s views on the fintech industry overall, and much more. Hope you enjoy the show! Katherine Salisbury: Ten years ago, Katherine set out to find a solution to her family’s money management headaches - one that actually aligned with their motivations, goals and lifestyle. A few years later, Qapital was born. Today, Katherine serves as co-founder and co-CEO of Qapital – an app that empowers users by putting their personal goals at the core of the product, and then supercharging their savings, investing, and budgeting efforts with clever tips and tools rooted in behavioral psychology. Katherine brings 20 years of finance, legal, and business experience to Qapital. She graduated from the University of Chicago with honors, studied international business law at Bucerius Law School in Hamburg, and graduated from Cornell Law School. She began her career as a bank finance attorney at the top-tier international law firms White & Case and Simpson Thacher. From there, she was tapped to serve as VP and Counsel at Jefferies Finance, steering Jefferies Finance through the early days of the joint venture between Jefferies and MassMutual. She then founded an international full-service sports management agency based in Stockholm & New York City, where she specialized in brokering international transfers. In her current role at Qapital, Katherine focuses on product, growth, and business strategy. Under her leadership, Qapital has helped users save almost $3 billion collectively for their goals. Currently, Katherine lives in Stockholm with her partner, co-founder, and co-CEO, George Friedman, and their four daughters. Qapital: https://www.qapital.com/?campaign=wharton_fintech_podcast&tt=j8e3x13_g6rptk3 For more FinTech insights, follow us below: Medium: medium.com/wharton-fintech LinkedIn: www.linkedin.com/company/wharton-fintech-club/ WFT Twitter: twitter.com/whartonfintech Anirudh's Twitter: twitter.com/avsingh_24

Gabriela Ariana Campoverde sits down with Howard Katzenberg, CEO and Founder of Glean, an accounts payable solution that combines smart automation with spend intelligence to drive material savings. Glean supercharges vendor decision making. This platform automatically detects duplicate invoices and overcharges; receives alerts on billing errors, anomalous spend activity, and available vendor savings; and leverages vendor benchmarking to see what other companies are paying. In this episode, you will learn about how: - Howard’s CFO experience inspired Glean - Glean impacts on client’s profit lines - Fintechs can disrupt the enterprise software industry - Howard took his own company from 0 to 1 - And so much more! About Howard Katzenberg Howard Katzenberg is CEO and Founder of Glean. Formerly, Howard served as CFO of OnDeck and Better Mortgage. He earned his MBA degree from The Wharton School, and studied Business while earning his Bachelor’s degree from Cornell University. About Glean Glean unlocks the powerful data detailed in vendor invoices/receipts to surface relevant spend insights and drive spend accountability. To learn more about Glean, visit glean.ai. For more FinTech insights, follow us below: Medium: medium.com/wharton-fintech WFT Twitter: twitter.com/whartonfintech Gabriela’s Twitter: twitter.com/byGabyC Gabriela’s LinkedIn: linkedin.com/in/gcampoverde