Leaders In Payments

Jenny Cheng, VP and GM of Google Wallets, discusses the potential of mobile wallets beyond payments, including digital driver's licenses and barcode usage. She emphasizes the importance of security and Google Wallet's commitment to protecting user data. Additionally, they explore the future of digital payments, accelerated by the pandemic, and the collaborative nature of the digital wallet industry.

Dave Glaser, CEO of Dwolla, shares his insights on account-to-account payments and Dwolla's strategic shift towards mid-market and enterprise clients. They discuss the transformation of traditional payment methods, the rise of A2A transactions in retail, and the potential of AI in innovation. Dave also shares his career journey and his passion for the payments industry.

The retail industry is undergoing a significant transformation. As we step into a post-pandemic era, the advent of self-service retail and anytime anywhere payments is revolutionizing how consumers shop and pay for their purchases. In the latest episode of our podcast, we had the pleasure of hosting Elyssa Steiner, the CMO of Cantaloupe, to discuss these dynamic shifts in retail.We also discussed the expansion of self-service retail solutions across various verticals. Airports, gas stations, gym memberships, and residential buildings are just a few areas where these solutions are becoming increasingly common. The rise of cashless food and beverage vending machines across these sectors is reshaping how businesses deliver services and products.The future of retail is set to be even more digitized and personalized. Elyssa predicts that AI technology, smart coolers, and other advancements will continue to drive the growth of self-service retail.

Have you ever wondered about the intriguing world of AI in combating fraud? Join us as we explore this fascinating domain with our esteemed guest, Yinglian Xie, the CEO and Co-Founder of DataVisor. As an innovative leader in the tech industry, DataVisor provides a comprehensive fraud and risk platform that safeguards financial institutions and large organizations from a wide array of fraud threats. We'll delve into the unique aspects of DataVisor, including its patented unsupervised machine learning and cloud technology capabilities.We'll also discuss the remarkable role of AI in staying ahead of emerging fraud trends and delve into the recent game-changing innovations in the payments industry. From real-time payments to Buy Now Pay Later, digital currencies, and digital wallets, there's a lot to unpack. We'll also discuss how AI regulation can help protect businesses from fraud. But we're not just talking tech. Yinglian shares her personal journey, her passion for technology, and her unwavering commitment to making a tangible impact in the world. 

Step into the fascinating world of text-to-pay and conversational commerce with the trailblazing CEO of Authvia, Chris Brunner. Together, we travel through time, dissecting the evolution of text-to-pay, its plethora of applications, and the exciting prospects it holds for the future. We discuss how Authvia has revolutionized payments with their innovative suite of solutions that enables merchants to accept payments over text messaging. This means reshaping the payment experience for consumers, ensuring it's not just about convenience, but also security. From pharmacies to vets, and even companies aiming to recover payments from late payers, the versatility of Authvia's solution is truly remarkable. Additionally, we venture into the importance of encryption, the role of cloud-based wallets, and the impact of COVID-19 on the rapid rise of text-to-pay solutions. We also discuss how Authvia seeks to give consumers control over their personal data, and their right to choose which data to share with merchants. In the near future,  text-to-pay will no longer be a novelty but an integral part of commerce. Join us as we explore the ever-evolving landscape of payments and conversational commerce.

Unlock the secrets behind Payroc's success as we dive into a riveting conversation with their president, Adam Oberman. Discover how this leader has cemented the company’s position in the payment industry with a unique blend of strategic moves, acquisitions and an unwavering focus on the customer experience. Adam shares his journey at Payroc and the importance of fostering a collaborative working environment.Join us as Adam talks about the payment industry's transformation, the role of trust in securing customer loyalty and his leadership approach. Get a glimpse into the future of Payroc and the trends that are shaping the payments industry. From strategic acquisitions to embedded finance, it's all about staying ahead of the curve in an ever-evolving industry.

Ever wondered how account-to-account payments are shaping the future of the European market? Brace yourself for an insightful conversation with Lena Hackeloer, the dynamic founder and CEO of Brite Payments. Lena unveils her extraordinary journey from the early days at Klarna to steering the helm at Brite Payments. She navigates us through the intricate workings of their system, demonstrating how it simplifies transactions by connecting consumers and banks across Europe, promising you an intriguing glimpse into the world of innovative payments.As we steer into the second half of our discussion with Lena, we venture into the promising future of the payments industry. Lena predicts a revolution on the horizon with open banking payments replacing traditional card payments with their seamless operation. She shares valuable insights on the growth of embedded finance and how regulatory harmonization is fueling the adoption of open banking. Whether you're an enthusiast curious about the future of payments or pondering a career move into this industry, this episode is your treasure trove of knowledge!

Ever wondered how to wrangle your bills, boost your credit score, and navigate the Buy Now Pay Later landscape? Paul Kesserwani, CEO of Cushion.ai, joins us to provide cutting-edge insights on all these topics and more. Discover how Cushion.ai's comprehensive platform is revolutionizing the way consumers manage, pay, and even build credit with their bills. We also delve into Cushion,ai's journey, transitioning from negotiating bank fees to providing better bill payment solutions in this Buy Now Pay Later era.As we traverse the evolving terrain of Buy Now Pay Later finance companies, we uncover the strategic shifts these organizations are making in response to market dynamics - from underwriting the consumer to introducing fees and long-term loans. Traditional banks are not left out, as they step up their game with their own finance solutions. Kesserwani also unveils Cushion.ai's roadmap, with a focus on how they are aiding consumers in organizing their monthly bills and improving their credit scores. The conversation takes a critical turn, as we discuss the pressing need for regulation in the Buy Now Pay Later sector, including standardizing disclosures, mandating loan data to the Bureaus, and setting caps on fees. Tune in for an enlightening discourse on the future of payments and financial inclusion.

Ever wondered what it's like to run a company that simplifies group payments and information collection? Join me as I take a deep dive into a fascinating conversation with Nichole Montoya, the co-founder, and CEO of Cheddar Up. Nichole takes us on a journey from her simple beginnings on an Iowa farm to the hustle and bustle of running a fintech company in Denver. We explore the genesis of Cheddar Up, how it caters to diverse organizations like PTAs, Girl Scouts, teams, and churches, and the unique offerings it brings to the table, including their signature Sign Ups feature. In our chat, Nichole unpacks the story behind the catchy name 'Cheddar Up', and how they connect and resonate with their user base. We explore Cheddar Up's innovative solutions to group payments and information collection, bringing to light the software's flexibility in serving different users and its user-friendly design. Nicole and I also delve into the world of female entrepreneurship in the fintech industry, discussing the triumphs and challenges she's faced. Whether you're a payments pro or an aspiring entrepreneur, this episode offers a wealth of wisdom and a peek into Nicole's inspiring journey. 

Sam Aarons, CTO & Co-Founder at Modern Treasury, discusses how their software simplifies payment operations by abstracting away complexities. He explains how businesses can retain their existing banking relationships and fee structures with no changes. They also explore the future of payments, including the impact of faster payments on payroll and consumer experiences.