Purpose Driven FinTech

Did you know that in the UK consumers lose £2 Billion per year on unwanted subscriptions? Yes the ones that you join a trial and then forget about and boom! You get charged by surprise. This in turn creates financial stress, mainly to individuals, freelancers and small businesses. Even though it’s a big pain point, somehow it is still underserved. Till now!Delphine takes us through her story on what inspired her to start ScribePay. ScribePay is a UK FinTech that allows consumers to track all their subscriptions in one place so that you are not caught off-guard when charged again! We go deep into what is the source of the problem - as simple as a distinction between subscriptions and recurring payment, how ScribePay brings control back to customers, and Delphine’s challenges fundraising as a woman of colour.Let’s dive into it!👉 You can find Delphine hereLinkedIn: https://www.linkedin.com/in/delphine-emenyonu-2602744/Website: https://getscribepay.co.uk/👉 And you can find Monica here:LinkedIn: https://www.linkedin.com/in/monicamillares/YouTube: https://www.youtube.com/@moni_millaresTikTok: https://www.tiktok.com/@moni_millaresWebsite: https://moni-millares.mystrikingly.com/If you enjoy this Purpose Driven FinTech episode it would mean the world if you subscribe and give it a follow so that we can have more impact. Remember to connect in YouTube or LinkedIn to keep the conversation going.In this Purpose Driven FinTech episode we cover:(0:02:02) Dealing with failure and tough times(0:05:47) Believing in oneself and taking charge of one's destiny(0:07:29) The role of purpose FinTech and how it can make a difference in communities(0:10:04) Scribepay to reengineer the way people pay for subscriptions(0:13:22) Impact of wasted money on subscriptions and the stress and anxiety it causes(0:14:34) Pain points experienced by consumers and content creators when it comes to subscriptions(0:18:17) Growth of subscriptions and the need for organizations to distinguish between subscriptions and direct debits(0:20:45) Scribepay unique features and controls(0:24:36) Product development and customer research and iterating based on feedback(0:27:20) Challenges of accessing funding and the need for more support for women in FinTechSEARCH QUESTIONSHow to manage unwanted subscriptions?What is the difference between subscriptions and direct debits?How much money is wasted on forgotten subscriptions?What is continuous payment authorization?How to get control over subscription payments?What are subscription traps and free trials?How to track all subscriptions in one place?What is the future of subscription management?How to prevent auto-renewal charges?What are the pain points of subscription payments?How to budget for multiple currency subscriptions?What is an e-money wallet for subscriptions?How to cancel subscriptions while sleeping?What are the challenges of fundraising as a woman of colour?How to build community-focused FinTech products?What is the subscription economy growth rate?How does open banking help subscription management?What is the role of virtual cards in subscriptions?How to reduce fraud in digital financial services?What are free trial notification best practices?—Production and marketing by Monica Millares. For inquiries about coaching, collabs, sponsoring the podcast or creating or editing your podcast email Monica at fintechwithmoni@gmail.comDisclaimer: This episode does not constitute professional nor financial advice and does not represent the opinion nor views of my current, past or future employers. The guest has agreed to record and release our conversation for the use of this podcast and promotion in social media.

Today I speak with Lauren Jones, Director of Market Development at Open Banking Exchange. Lauren is an expert focused on delivering open banking and open finance to central banks, regulators and market infrastructures around the world.Open Banking Exchange aims to foster innovation, competition and efficiency to increase consumer choice and enhance security for online payments and is globally known for guiding central banks, authorities and regional communities through operational and technical set-up of open banking and open finance ecosystems.Lauren explains open banking, open data, and open finance in a simple to understand manner and we discussed how Open banking and open finance are a journey - more specifically a journey setting foundations for future innovation. We touch of the role of the regulator, competition, the actual benefits of open banking, and how it fosters financial inclusion.If you enjoy this episode it would mean the world if you subscribe and give it a follow so that we can have more impact. Remember to connect in YouTube or LinkedIn to keep the conversation going.Let’s dive into it!👉 You can find Lauren hereLinkedIn: https://www.linkedin.com/in/lauren-jones-payments/LinkedIn Open Banking Exchange: https://www.linkedin.com/company/open-banking-exchange/Website: https://www.openbanking.exchange/👉 And you can find Monica here:LinkedIn: https://www.linkedin.com/in/monicamillares/YouTube: https://www.youtube.com/@moni_millaresTikTok: https://www.tiktok.com/@moni_millaresWebsite: https://moni-millares.mystrikingly.com/If you enjoy this Purpose Driven FinTech episode it would mean the world if you subscribe and give it a follow so that we can have more impact. Remember to connect in YouTube or LinkedIn to keep the conversation going.In this Purpose Driven FinTech episode we cover:(0:00:00) Financial inclusion vs. financial access(0:02:33) Resilience and overcoming challenges(0:03:40) Viewing failure as a learning opportunity(0:06:13) Taking initiative and upskilling in career(0:07:28) Building purpose-driven fintechs with a public good element(0:08:06) Investing time in understanding and future-proofing fintech(0:10:09) Developing an industry strategy for the future(0:10:59) Regulators in the UK and Europe lack a clear vision for the fintech agenda(0:12:01) The convergence of open banking, real-time payments, identity, and AI is crucial(0:12:54) The industry should coalesce around a clear direction for the next 20 years(0:17:50) Open banking, open data, and open finance involve third-party access to customer accounts(0:19:31) Open banking focuses on transactional accounts, while open finance includes other financial products(0:20:03) Open data expands beyond financial data to include health, telco, and energy data(0:21:57) Building open banking ecosystems requires adapting best practices to each market(0:22:19) Financial inclusion and access vary depending on the market's development level(0:23:30) Open banking is just one part of a bigger story of financial inclusion(0:27:57) PSD3 regulation aims to standardize and open up all financial products(0:30:48) Open finance will drive competition and innovation in the industry(0:37:45) Open banking is not easily pitched to retail consumers as a positive thing(0:40:09) Trust may not be the selling point for future generations in financial services.(0:45:07) Diversity is important at all levels of the financial services industry(0:49:33) Work with other industries to build inclusive financial productsSEARCH QUESTIONSWhat is the difference between open banking and open finance?How does open banking foster financial inclusion?What is open data in financial services?How do APIs enable secure data sharing?What is the role of regulators in open banking?How to implement open banking at national level?What are the benefits of open banking for consumers?How does screen scraping compare to API access?What is the future of open finance?How to build trust in open banking ecosystems?What are the challenges of deploying open banking?How does open banking improve competition?What is the journey from open banking to open data?How to reduce infrastructure costs in financial services?What is diversity in financial services policy?How to get into board positions in FinTech?What are the use cases for open finance?How does open banking work globally?What is the role of central banks in open banking?How to access younger customers in financial services?—Production and marketing by Monica Millares. For inquiries about coaching, collabs, sponsoring the podcast or creating or editing your podcast email Monica at fintechwithmoni@gmail.comDisclaimer: This episode does not constitute professional nor financial advice and does not represent the opinion nor views of my current, past or future employers. The guest has agreed to record and release our conversation for the use of this podcast and promotion in social media.

Today I speak with Barry Levett, Co-founder and CEO at Mypinpad. Mypinpad strives to be the solution of choice for money on the move — making mobile transactions safe, easy and enjoyable and Barry confidently says they are known for being some of the best of the world!We discuss building soft POS, the impact Mypinpad is having in society when it comes to financial inclusion, lessons from merging two companies with different but supplementary strengths and products and successfully creating an innovative solution, not flawless execution, their recent 30 million investment round, community, market expansion and much more!If you enjoy this Purpose Driven FinTech episode it would mean the world if you subscribe and give it a follow so that we can have more impact. Remember to connect in YouTube or LinkedIn to keep the conversation going.Let’s dive into it!👉 You can find Barry hereLinkedIn: https://www.linkedin.com/in/barrylevett/LinkedIn Mypinpad: https://www.linkedin.com/company/mypinpad-ltd/Website: http://www.mypinpad.com/👉 And you can find Monica here:LinkedIn: https://www.linkedin.com/in/monicamillares/YouTube: https://www.youtube.com/@moni_millaresTikTok: https://www.tiktok.com/@moni_millaresWebsite: https://moni-millares.mystrikingly.com/In this Purpose Driven FinTech episode we cover:(0:00:30) Focusing on performance and creating a fast and compliant product(0:01:12) Making transactions safe, easy, and enjoyable(0:03:02) Failure is part of the entrepreneurial journey, but spotting failure early is important(0:05:02) Limited resources can lead to creative problem-solving and learning opportunities(0:08:03) Mypinpad's North Star and Financial Inclusion(0:12:55) Performance and experience for creating a successful product(0:14:27) The process of merging companies and creating something new(0:15:27) Knowing when to stop doing what made you successful and start something new(0:17:18) Getting buy-in from the team and maintaining communication during the transition(0:19:16) Challenges faced during the process of change and transition(0:22:47) The importance of effective communication and finding translation agents(0:25:52) The recent success of closing a $13 million investment round(0:26:11) Getting investments and the pressure that comes with it(0:27:01) The importance of community and the journey in business(0:28:30) The benefits of having experienced investors in the payment industry(0:30:14) Successfully expanding globally without physical presence(0:31:58) Understanding your role in the ecosystem and building around it(0:33:34) Identifying what you can do better than anyone else(0:35:16) Asking the right questions to develop a unique value proposition(0:39:53) Sorting out processes and fixing issues in teams(0:40:30) Enjoying the journey and finding fulfillment(0:42:39) Need for international standards in fintech(0:43:35) Simplifying regulatory frameworks for global expansionSEARCH QUESTIONS: What is SoftPOS technology?How to merge two FinTech companies successfully?What are the benefits of SoftPOS for merchants?How to achieve financial inclusion through payments?What is the journey mindset in entrepreneurship?How to build community-driven FinTech products?What are the challenges of SoftPOS certification?How to create agency banking solutions?What is the role of community in FinTech success?How to expand FinTech to multiple geographies?What makes SoftPOS secure and compliant?How to avoid culture clash in company mergers?What is the importance of failing fast?How to build confidence in leadership teams?What is contactless payment on mobile phones?How to raise investment rounds in challenging markets?What are PCI compliance requirements for SoftPOS?How to bring ATM services to rural populations?What is the future of mobile payment acceptance?How to create international regulatory standards for FinTech?—Production and marketing by Monica Millares. For inquiries about coaching, collabs, sponsoring the podcast or creating or editing your podcast email fintechwithmoni@gmail.comDisclaimer: This episode does not constitute professional nor financial advice and does not represent the opinion nor views of my current, past or future employers. The guest has agreed to record and release our conversation for the use of this podcast and promotion in social media.

My guest today is Shalom Ben Or, Co-founder and CEO at Avenews. Avenews is building the first financial super app for the agriculture industry catering for the 2.5 million agriculture SMEs across Sub-Saharan Africa. They empower businesses with access to capital and tools that allow them to understand and mange their business better, and source all the business services they need – all in one place.In today’s episode, we discuss why FinTech in agriculture matters, the pain points in the sector, and why solving problems in product is not enough, instead we should focus on value. Shalom has an impressive mindset and has created a collaborative high performance culture so we also deep dive into his mind.If you enjoy this episode it would mean the world if you subscribe and give it a follow so that we can have more impact. Remember to connect in YouTube or LinkedIn to keep the conversation going.Let’s dive into it!👉 You can find Shalom hereLinkedIn: https://www.linkedin.com/in/shalombenor/LinkedIn Avenews: https://www.linkedin.com/company/avenews-gt/Website: https://www.avenews-gt.com/👉 And you can find Monica here:LinkedIn: https://www.linkedin.com/in/monicamillares/YouTube: https://www.youtube.com/@moni_millaresTikTok: https://www.tiktok.com/@moni_millaresWebsite: https://moni-millares.mystrikingly.com/If you enjoy this Purpose Driven FinTech episode it would mean the world if you subscribe and give it a follow so that we can have more impact. Remember to connect in YouTube or LinkedIn to keep the conversation going.In this Purpose Driven FinTech episode we cover:(0:01:19) Underwriting capabilities and providing capital to agriculture businesses(0:03:02) Failure and the importance of learning from losses(0:06:17) Embrace the journey and celebrate small wins(0:09:08) The role of purpose in the industry and shifting power dynamics(0:13:11) Expanding into riskier markets for higher impact and returns(0:14:50) Power dynamics in providing loans to the agriculture sector(0:21:11) Avenues' journey in becoming a lender(0:22:21) Importance of agriculture and its potential in Africa(0:25:25) Influence of growing up in a Kibutz on leadership style(0:31:24) The difference between solving problems and adding value(0:34:15) Identifying the value clients need and linking it to solutions(0:36:52) Building a culture of purpose-driven individuals(0:41:21) The importance of inner flame and winning together(0:42:36) Aligning business models with client valueSEARCH QUESTIONSWhat is agtech FinTech in Africa?How to provide financial services to agriculture businesses?What are the pain points in agricultural financing?How to build a financial super app for SMEs?What is embedded finance in agriculture?How to serve agriculture supply chain financing needs?What is the role of FinTech in food security?How to create win-win business models in FinTech?What is value-based product development?How to build high-performance startup culture?What are the challenges of lending to agriculture businesses?How to shift power dynamics through financial services?What is the kibbutz leadership style?How to celebrate small wins as an entrepreneur?What markets offer high returns for FinTech?How to underwrite agriculture commodity risk?What is the future of agriculture financing in Africa?How to build collaborative team culture?What is the marathon mindset for entrepreneurs?How to align company and customer value?—Production and marketing by Monica Millares. For inquiries about coaching, collabs, sponsoring the podcast or creating or editing your podcast email Monica at fintechwithmoni@gmail.comDisclaimer: This episode does not constitute professional nor financial advice and does not represent the opinion nor views of my current, past or future employers. The guest has agreed to record and release our conversation for the use of this podcast and promotion in social media.

Daniela Binatti, Co-founder and CTO at Pismo, shares her inspiring journey in FinTech, from working non-stop and selling her car to building a unicorn company. She talks about reinventing herself, creating a people-centric culture, and the recent acquisition of Pismo by Visa for $1 Billion. The challenges of working in a different corporate culture as a woman and the importance of open communication and learning from mistakes are also discussed. The podcast explores how Pismo empowers women in FinTech and fosters a people-centric culture.

My guest today is Christian Lehringer, CEO at Copecto. Copecto’s innovative product is The TIMBERCARD. The world’s first plastic-free wood payment card that can be used like any conventional banking card. It is fully biodegradable, except for the chip, antenna and magnetic stripe. and when exposed to the soil, it decomposes much quicker than conventional plastic cardsWe talk about the 6 billion per annum plastic cards problem and how the Timbercard is part of the solution. He talks to us about the innovative processes behind the card and the challenges in building such an innovative product, including the controversial topic of deforestation. Let’s go and create a world where we have a wood bank card in everybody’s wallet!If you enjoy this episode it would mean the world if you subscribe and give it a follow so that we can have more impactLet’s dive into it!👉 You can find Christian hereLinkedIn: https://www.linkedin.com/in/christian-lehringer-745623137/LinkedIn Copecto: https://www.linkedin.com/company/copecto-gmbh/Website: https://timbercard.com/👉 And you can find Monica here:LinkedIn: https://www.linkedin.com/in/monicamillares/YouTube: https://www.youtube.com/@moni_millaresTikTok: https://www.tiktok.com/@moni_millaresWebsite: https://moni-millares.mystrikingly.com/If you enjoy this pod, please follow and leave a 5 star rating on Spotify and a review on Apple podcastsIn this Purpose Driven FinTech episode we cover:(0:00:00) The problem of plastic cards in the payment industry(0:03:08) Introduction to Copecto and the Timber card(0:07:06) Definition of success and building long-term relationships(0:13:03) Purpose of using wood as a material in Copecto's products(0:21:02) Customers demanding sustainable products in financial services(0:22:55) Impact of plastic card waste on the environment(0:24:19) Size of the plastic card waste problem(0:25:55) Biodegradable components and decomposition process of Copecto card(0:27:07) Laser engraving and personalization options for Copecto card(0:29:17) Contactless engraving and scheme logos on Copecto card(0:32:18) Challenges in manufacturing and selling the product(0:40:41) Leadership style and team approach(0:43:37) Desire for a more balanced approach in the fintech industrySEARCH QUESTIONSWhat is the environmental impact of plastic payment cards?How many plastic cards are produced annually?What is a biodegradable payment card?How does the TIMBERCARD wooden card work?What is sustainable card manufacturing?How to reduce plastic waste in banking cards?What are the challenges of wooden payment cards?How is wood densified for payment cards?What is the future of sustainable payment cards?How to make eco-friendly banking cards?What are the alternatives to plastic payment cards?How do wooden cards meet payment industry standards?What is the carbon footprint of payment cards?How to create environmentally friendly FinTech products?What materials can replace plastic in cards?How does regional wood sourcing work for cards?What are the certification requirements for wooden cards?How to balance profit and sustainability in business?What is the innovation process for sustainable products?How to build partnerships for green FinTech solutions?—Production and marketing by Monica Millares. For inquiries about coaching, collabs, sponsoring the podcast or creating or editing your podcast email Monica at fintechwithmoni@gmail.comDisclaimer: This episode does not constitute professional nor financial advice and does not represent the opinion nor views of my current, past or future employers. The guest has agreed to record and release our conversation for the use of this podcast and promotion in social media.

My guest today is Tony Craddock, the Director General of the Payments Association, an award-winning community to advance payments innovation, and encourage collaboration across the payments industry. We talk about mindset, AI and programmable money, Sustainability, making payments more efficient and encouraging more responsible and sustainable spending for all.If you enjoy this episode it would mean the world if you subscribe and give it a follow so that we can have more impactLet’s dive into it!👉 You can find Tony hereLinkedIn: https://www.linkedin.com/in/tonycraddock/LinkedIn The Payments Association: https://www.linkedin.com/company/the-payments-association/Website The Payments Association: https://thepaymentsassociation.org/👉 And you can find Monica here:LinkedIn: https://www.linkedin.com/in/monicamillares/YouTube: https://www.youtube.com/@moni_millaresTikTok: https://www.tiktok.com/@moni_millaresWebsite: https://moni-millares.mystrikingly.com/If you enjoy this pod, please follow and leave a 5 star rating on Spotify and a review on Apple podcastsIn this Purpose Driven FinTech episode we cover:(0:00:00) Future of AI: programmable money with digital currencies(0:02:33) Definition of success: doing what you love(0:03:34) Dealing with tough times: redefine performance criteria(0:09:12) Building purposeful FinTechs: it's our duty to have purpose(0:11:48) Starting the payments community and Emerging Payments Awards(0:15:01) Impact of the payments association on individuals and companies(0:17:22) The role of payments in improving the world(0:19:58) Short, medium, and long-term impact of AI on payments(0:22:15) Personalized services and packages(0:24:54) Excitement about programmable money and smart contracts(0:26:50) Potential use cases for programmable money(0:32:30) Challenges and opportunities for the payments industry in ESG(0:36:36) Importance of empathy, engagement, and loyalty for sustainable growth.(0:37:20) Building a strong team and community within the business(0:38:21) Innovating the model for future communities(0:40:44) Inspiring and enabling people to go beyond their limits(0:43:05) Stepping out of comfort zones and exploring new possibilitiesSEARCH QUESTIONSWhat is programmable money in payments?How will AI revolutionize the payments industry?What is the future of central bank digital currencies?How to use smart contracts in financial services?What is sustainability in the payments industry?How to reduce plastic card waste in banking?What are the benefits of programmable money?How does AI improve fraud detection in payments?What is the environmental impact of payment cards?How to create more sustainable financial services?What are the use cases for programmable money?How to personalize financial services with AI?What is the role of community in payments innovation?How to make cross-border payments more efficient?What is green investment with programmable money?How to teach financial education with digital currencies?What is the Payments Association mission?How to build a commercial membership community model?What is dynamic risk assessment in payments?How to create purpose-driven payment solutions?—Production and marketing by Monica Millares. For inquiries about coaching, collabs, sponsoring the podcast or creating or editing your podcast email Monica at fintechwithmoni@gmail.comDisclaimer: This episode does not constitute professional nor financial advice and does not represent the opinion nor views of my current, past or future employers. The guest has agreed to record and release our conversation for the use of this podcast and promotion in social media.

My guest today is Monica Eaton, CEO at Chargebacks911. We explore her success mindset, her early start as an entrepreneur, and the story behind Chargebacks911. We then explore how chargebacks are costing the industry 250 Billion usd, the impact of AI and Chargebacks and end with her thoughts on what is limiting women to thrive in their careers.If you enjoy this episode it would mean the world if you subscribe and give it a follow so that we can have more impactLet’s dive into it!👉 You can find Monica Eaton hereLinkedIn: https://www.linkedin.com/in/monicaeatoncardone/LinkedIn Chargebacks911: https://www.linkedin.com/company/chargebacks911/Website Chargebacks911: https://chargebacks911.com/👉 And you can find Monica Millares here:LinkedIn: https://www.linkedin.com/in/monicamillares/YouTube: https://www.youtube.com/@moni_millaresTikTok: https://www.tiktok.com/@moni_millaresWebsite: https://moni-millares.mystrikingly.com/If you enjoy this pod, please follow and leave a 5 star rating on Spotify and a review on Apple podcastsIn this Purpose Driven FinTech episode we cover:(0:00:00) How chargebacks are growing faster than ecommerce: a costly problem(0:02:36) Monica's definition of success: feeling fulfilled and progressing(0:04:59) Overcoming tough times by finding enjoyment and rewriting history(0:07:23) Chargebacks 911 company culture and focus on creating impact(0:10:17) Creating purposeful fintech products through collaboration and transparency(0:13:58) The impact of transparency and the need for companies to adapt(0:17:01) Monica's journey in building Chargebacks 911(0:27:41) The size and cost of the chargeback problem in the industry(0:30:31) The potential impact of AI in the chargeback process(0:32:38) Structural challenges for women in thriving in their careersSEARCH QUESTIONSWhat is the chargeback problem in payments?How much do chargebacks cost merchants?How to solve the chargeback problem?What is the impact of AI on chargebacks?How to prevent friendly fraud in e-commerce?What are the hidden costs of chargebacks?How to reduce chargeback rates effectively?What is post-transaction fraud?How do chargebacks affect authorization rates?What mindset do successful entrepreneurs need?How to build a FinTech business from scratch?What challenges do women face in FinTech careers?How to overcome imposter syndrome in business?What is the chargeback dispute process?How to start a business at a young age?What are the structural challenges for women in tech?How to balance career and family as a woman?What is the role of transparency in payments?How to turn negative motivation into success?What advice helps women thrive in their careers?—Production and marketing by Monica Millares. For inquiries about coaching, collabs, sponsoring the podcast or creating or editing your podcast email Monica at fintechwithmoni@gmail.comDisclaimer: This episode does not constitute professional nor financial advice and does not represent the opinion nor views of my current, past or future employers. The guest has agreed to record and release our conversation for the use of this podcast and promotion in social media.

My guest today is Svitlanka Sergiichuk Romaniuk, CEO & Co-founder at Neofin, a Lending SaaS FinTech. We had a ton of fun recording, we talk about how no code solutions are empowering companies to launch lending propositions faster.Neofin started years ago in Ukraine, so we explore their founding story and their journey of losing all their Ukrainian bank customers one by one in a matter of days at the start of the war. They then had to make a very difficult decision to stop or adapt and continue. It is deep and inspiring.Today Neofin has customers across the world, including the US, so we go deeper on the how to go about market expansion, specially in the US. And finally, Neofin has multiple awards, so Svitlanka shares with us her secrets to success, strength and perseverance.If you enjoy this episode it would mean the world if you subscribe and give it a follow so that we can have more impactLet’s dive into it!👉 You can find Svitlanka hereLinkedIn: https://www.linkedin.com/in/svitlanaromaniuk/LinkedIn Neofin: https://www.linkedin.com/company/neofin-solutions/Website Neofin: https://neo-fin.com/👉 And you can find Monica here:LinkedIn: https://www.linkedin.com/in/monicamillares/YouTube: https://www.youtube.com/@moni_millaresTikTok: https://www.tiktok.com/@moni_millaresWebsite: https://moni-millares.mystrikingly.com/If you enjoy this pod, please follow and leave a 5 star rating on Spotify and a review on Apple podcastsIn this Purpose Driven FinTech episode we cover:(0:00:00) Full-scale war starts, and banks in Ukraine close their credit business(0:01:10) Neofin decides to scale internationally to survive(0:01:59) How no-code solutions empower faster lending propositions(0:08:37) Neofin's customer promise: launch lending business 4x faster with zero delivery risk(0:15:18) Neofin's founding story and journey through the war in Ukraine(0:19:16) Neofin expands to Canada and the US(0:28:33) Neofin simplifies the complex lending process with no-code solutions(0:32:51) Neofin's advantages: optimal for institutions without technical teams, ease and flexibility(0:37:10) Challenges of market expansion: regulatory landscape, local data, cultural differences(0:46:08) Improve collaboration between FinTechs and financial institutionsSEARCH QUESTIONSWhat is no-code lending technology?How to launch lending products faster in FinTech?What are the stages of the lending process?How to build resilience as a FinTech founder?What is loan origination automation?How to expand FinTech into international markets?What is Sharia-compliant lending?How to use alternative data in credit scoring?What is a loan management system?How to build lending products without developers?What are the challenges of building FinTech during war?How to diversify risk in FinTech market expansion?What is the difference between loan origination and servicing?How to automate credit decisioning?What data sources improve lending underwriting?How to market lending products effectively?What is KYC and fraud detection in lending?How to build a revenue-driven FinTech without VC funding?What accelerator programs help FinTech startups?How to make innovation normal in financial services?—Production and marketing by Monica Millares. For inquiries about collabs, sponsoring the podcast or creating or editing your podcast email Monica at fintechwithmoni@gmail.comDisclaimer: This episode does not constitute professional nor financial advice and does not represent the opinion nor views of my current, past or future employers. The guest has agreed to record and release our conversation for the use of this podcast and promotion in social media.

My guest today is Pawel Stezycki, Senior Fintech & Banking Consultant at Netguru. We talk about the future of FinTech in 2030! We first set context on the how to go about thinking about the futureWe discuss how to go about finding underserved needs. We then go deep into what he sees as the top 3 opportunities:Banking in Middle East and AfricaSME BankingAnd the Alpha Generation! Yes the teenagers of today are the customers of tomorrow...But guess what a seamless banking app will not be enough for themThe big bet is they will hang out it the metaverse, butIt's a new place to hangout... and as such, payments and money movements will play a big partWe then finish with how to create differentiated propositions, and a different approach to solving diversity issues!If you enjoy the episode it would mean the world if you give it a follow.Let’s dive into it!👉 You can find Pawel hereLinkedIn: https://www.linkedin.com/in/pawelstezycki/LinkedIn Netguru: https://www.linkedin.com/company/netguru/Website Netguru: https://www.netguru.com/👉 And you can find Monica here:LinkedIn: https://www.linkedin.com/in/monicamillares/TikTok: https://www.tiktok.com/@moni_millaresYouTube: https://www.youtube.com/@moni_millaresWebsite: https://moni-millares.mystrikingly.com/If you enjoy this pod, please follow and leave a 5 star rating on Spotify and a review on Apple podcastsIn this Purpose Driven FinTech episode we cover:(0:00:00) Intro to the future of FinTech(0:05:58) How to build an industry with more impact(0:07:47) Pavel's background in research and product design(0:10:46) How to identify future trends and opportunities(0:16:57) Underserved needs in the Middle East and Africa(0:21:12) The potential impact of the Metaverse on banking and finance(0:26:46) The economy within the Metaverse and potential services(0:29:34) Finding a competitive advantage in product development(0:31:35) Creating a culture of innovation and diversity in organizationsSEARCH QUESTIONSWhat is the future of FinTech in 2030?Who is the Alpha Generation in banking?How will the metaverse impact financial services?What are underserved markets in FinTech?How to identify future product opportunities in banking?What is SME banking in emerging markets?How to build differentiated FinTech products?What is McKinsey's Horizon planning framework?How to think long-term in FinTech product strategy?What are the opportunities in Middle East and Africa banking?How will payments work in the metaverse?What is the role of digital twins in commerce?How to solve diversity issues in FinTech workplaces?What is the future of contactless payments?How to identify growing industries for career growth?What research methods find competitive advantage?How to design products for future generations?What is the role of parenthood policies in FinTech diversity?How to balance short-term survival with long-term thinking?What banking features will teenagers need in 2030?—Production and marketing by Monica Millares. For inquiries about collabs, sponsoring the podcast or creating or editing your podcast email fintechwithmoni@gmail.comDisclaimer: This episode does not constitute professional nor financial advice and does not represent the opinion nor views of my current, past or future employers. The guest has agreed to record and release our conversation for the use of this podcast and promotion in social media.