Fintech Impact

In this 123rd episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Dr. Daniel Crosby, Founder of Tulip, Chief Behavioral Officer at Brinker Capital, and Best-Selling Author. He is known for figuring out ways to take behavioral finance theory and implement in real life. Dr. Daniel Crosby speaks about his new platform, Tulip which puts that process into action. Episode Highlights: ● 00:16 – Jason Pereira introduces Dr. Daniel Crosby. ● 01:03 – Dr. Daniel Crosby explains what Tulip is. ● 01:53 – He shares his career history. ● 05:33 – Where did he start when tasked with this effort with Tulip? ● 09:01 – How does he account for the advisor buffer with Tulip? ● 11:01 – What are the three forms of risk? ● 15:48 – What does the Tulip user experience look like from start to finish? ● 25:42 – Is there any contextual change with Tulip based on dollar amount? ● 30:14 – How does Tulip deal with a differentiating context of risk? ● 33:22 – What does the output to the advisor look like? ● 37:34 – What would Dr. Daniel Crosby change in his business or industry? ● 38:17 – What have been the biggest challenges that Daniel has faced? ● 39:04 – What has kept Dr. Daniel Crosby excited about the work he is doing? 3 Key Points 1. One of the best predictors of future behavior is past behavior. 2. Tulip looks at past behavior, uses a gamified simulation of 30 years of market history that allows the client to sort of pre-experience what markets are like to try out different decisions within 5-6 minutes. 3. Some data points that Tulip looks at include frequency of inbound contact, how often do they log in, and the gamified simulation itself. Tweetable Quotes: ● “Tulip is a behavioral analytics platform for financial advisors. So, it all operates from the premise that the highest value that a financial advisor adds to her or his clients’ lives comes through behavioral coaching.” – Dr. Daniel Crosby ● “One of the first things you learn as a psychologist is that self-reported behavior is a horrible measure of actual behavior.” – Dr. Daniel Crosby ● “One of the critiques of other measures of risk-taking behavior is that they’ll ask questions in a vacuum, like, ‘if you lost $10,000, would that be a big deal or not?’ If you have $10 million, it is not a very big deal.” – Dr. Daniel Crosby Resources Mentioned: ● Facebook – Jason Pereira’s Facebook ● LinkedIn – Jason Pereira’s LinkedIn ● FintechImpact.co – Website for Fintech Impact ● JasonPereira.ca – Sign up for Jason Pereira’s newsletter ● Linkedin – Dr. Daniel Crosby’s Linkedin ● The Behavioral Investor by Dr. Daniel Crosby – Book by Dr. Daniel Crosby ● The Laws of Wealth by Dr. Daniel Crosby – Book by Dr. Daniel Crosby  Hosted on Acast. See acast.com/privacy for more information.

In this 122nd episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Lisha Davis, Founder of Arable Ventures LLC, an innovation and startup consulting/advisory practice in NYC. Davis is also an investor at 37 Angels, Venture Partner at VU Venture Partners, and Former Head of Innovation at Vanguard. Episode Highlights: ●     00:40 – Lisha Davis introduces herself and her career history. ●     02:28 – Lisha talks about being the Head of Innovation at Vanguard. ●     05:44 – What are some common problems she would come across when                          proposing change at Vanguard?●     07:00 – She talks about staffing talent at Vanguard.  ●     09:00 – What types of projects, categories, and areas she worked to                          improve at Vanguard? ●     15:30 – What drove her transition into her current role? ●     17:47 – She discusses the 37 Angels investment group of women                          investors. ●     21:27 – Women-founded businesses statistically do better in terms of                           growth, traction, and returns. ●     23:44 – What change in her business or industry she would like to see?      ●     25:46 – What has been the biggest challenge that Lisha has faced?●     27:03 – What has kept Lisha Davis excited about the work she is doing?  3 Key Points1. In the innovation space, you have to have a planning mindset. But, there is no fixed plan you are going to execute flawlessly to get to a predetermined outcome.2. Horizons Framework for Innovation is a methodology for the types of innovation that can take place: Horizon 1 is about making the business better/faster/cheaper, Horizon 2 is growth innovation, and Horizon 3 is things that disrupt or create new categories. 3. Generation Z, Generation Y, and Generation Z have an all-time low of mistrust in financial institutions.    Tweetable Quotes:●  “I am interested in identifying the most interesting start-ups to invest in in the early stage, across a variety of verticals, primarily consumer, enterprise SaaS, and within the fintech space.” – Lisha Davis●  “With a lot of success and growth also comes size, operations, policies, procedures, and all of the trappings of what good companies rely on to make their ship run.” – Lisha Davis●  “There is a saying in innovation that we value diversity of the crowd. We actually want people who think differently, have different backgrounds and experiences.” – Lisha Davis Resources Mentioned:● Facebook – Jason Pereira’s Facebook● LinkedIn – Jason Pereira’s LinkedIn● FintechImpact.co – Website for Fintech Impact● JasonPereira.ca – Sign up for Jason Pereira’s newsletter● Linkedin – Lisha Davis’ Linkedin  Hosted on Acast. See acast.com/privacy for more information.

In this 121st episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Daniel P. Simon, Author of the book The Money Hackers. Daniel P. Simon talks about the different founders and companies that have changed the finance world in the last 10 years. Episode Highlights: ● 00:55 – Daniel P. Simon introduces himself. ● 01:47 – How did his book The Money Hackers come to be? ● 03:44 – What was the biggest surprise Daniel came across while writing the book? ● 06:18 – What made his interview subjects different? ● 10:00 – Teaching financial literacy is a difficult thing. ● 14:21 – What was the craziest story he came across while writing the book? ● 16:48 – Daniel talks about the founders of the robo advisors. ● 23:42 – What are the two types of competition according to Daniel? ● 26:14 – Where will the robo movement most likely lead us? ● 27:23 – Daniel tells the story of Green Dot Banking. ● 32:55 – He shares stories about Margaret Keane from Synchrony and Blythe Masters from JPMorgan. ● 36:00 – What would Daniel P. Simon change in his business or industry? ● 40:05 – Was there a commonality to the people he interviewed that they faced a common challenge? ● 44:57 – What kept Daniel P. Simon excited about working on his book every day? 3 Key Points 1. Over 150 entrepreneurs were interviewed for the book The Money Hackers. 2. Typically, if you don’t implement the learnings of financial literacy within a couple months, it is as if you didn’t learn them at all. 3. Steve Streit, the founder of Green Dot Banking, coined the music genre ‘Soft Rock.’ Tweetable Quotes: ● “I’ve spent most of my career on Wall Street. So, I’m a communications guy. I advise, obviously, some of the largest banks and asset managers and trading companies and technology firms in the world.” – Daniel P. Simon ● “If you add up all of the assets of the robo advisors, they are not even 1% of Vanguard.” – Daniel P. Simon ● “More people in this country (USA) own a cellphone than a bank account, and we don’t see it every day. But a vast amount of this population is woefully underserved by the traditional financial industry.” – Daniel P. Simon Resources Mentioned: ● Facebook – Jason Pereira’s Facebook ● LinkedIn – Jason Pereira’s LinkedIn ● FintechImpact.co – Website for Fintech Impact ● JasonPereira.ca – Sign up for Jason Pereira’s newsletter ● DanielPSimon.com – Website for Daniel P Simon ● Linkedin – Daniel P. Simon’s Linkedin ● The Money Hackers – The book The Money Hackers  Hosted on Acast. See acast.com/privacy for more information.

In this 120th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Melika Hope, Head of Product for Small Business and Self-Employed Group at Intuit. Intuit is the world’s largest provider of accounting software. Melika Hope talks about how Intuit has managed to, through customer focus, continuously innovate up it’s product. Episode Highlights: ● 00:48 – Melika Hope explains what Intuit is. ● 02:36 – How did Intuit start and develop to where they are today? ● 03:53 – What does Melika Hope do on a day-to-day basis? ● 05:35 – What are some of the bigger product steps that she has taken with Intuit in recent memory? ● 11:23 – How do they gather information from end-users? ● 14:12 – How do their ideas end up getting implemented? ● 16:00 – Average features get built with speed, typically within weeks or months. ● 17:30 – What types of businesses do they consider as ideal candidates? ● 19:45 – Where do the people at the top put their input? ● 21:33 – What is the cloud adoption rate from the desktop products? ● 23:07 – Where does she feel the challenges are in her position and what goes into product decisions? ● 26:09 – What would Melika Hope change in her business or industry? ● 27:44 – What have been the biggest challenges that Melika has faced? ● 29:12 – What gets Melika Hope excited about her work every day? 3 Key Points 1. After the 10% subsidy for payroll taxes that was announced during COVID-19, her payroll team built out the calculations to support all the complex rules that are associated with that and has released it to market. 2. Cash flow management is such a critical area that small businesses are affected by, especially after COVID-19. 3. To gather data and be customer-centric they use their Follow Me Home component, multiple user sessions, and rapid prototyping. Tweetable Quotes: ● (Intuit) “We produce TurboTax. That is a product we build in Canada and the United States. We have professional tax products and we also have QuickBooks, which is our primary product that serves the small business sector.” – Melika Hope ● (QuickBooks) “It covers a number of different components, automates complex tasks, allows people to work together, it allows users to work anywhere and anytime from the cloud.” – Melika Hope ● “My team covers, within Canada, the QuickBooks online platform, the mobile app, the payments platform, the QuickBooks online payroll product, and the self-employed products.” – Melika Hope Resources Mentioned: ● Facebook – Jason Pereira’s Facebook ● LinkedIn – Jason Pereira’s LinkedIn ● FintechImpact.co – Website for Fintech Impact ● JasonPereira.ca – Sign up for Jason Pereira’s newsletter ● Linkedin – Melika Hope’s ● Intuit – Website for Intuit  Hosted on Acast. See acast.com/privacy for more information.

In this 119th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Alex Lazarow, Venture Capitalist and Investment Director at Cathay Innovation and Author of the book Out-Innovate: How Global Entrepreneurs--from Delhi to Detroit--Are Rewriting the Rules of Silicon Valley. Alex Lazarow talks about how entrepreneurs around the world approach various problems differently in order to achieve success. Episode Highlights: ● 00:24 – Jason Pereira introduces Alex Lazarow. ● 01:21 – Alex Lazarow talks about his book Out Innovate. ● 03:46 – What is a ‘camel’ company? ● 04:58 – Alex talks about what can be learned from Grubhub. ● 06:00 – Alex and Jason talk about the concept of ‘blitz scaling’ and Company types that it is applicable to. ● 09:26 – How many companies did he talk to when writing his book? ● 10:36 – What is going on in North Korea in the fintech scene? ● 12:41 – What is the most unconventional story of how a company grew that Alex heard when writing his book? ● 15:53 – Alex talks about a theme in his book about advantages that emerge from challenges. ● 17:33 – What are recurring themes did Alex notice when working on his Book Out-Innovate? ● 22:29 – North America has a lot of problems that need to be solved by companies with lessons learned from around the world. ● 24:43 – What would Alex Lazarow change in his business or industry? ● 25:34 – What have been the biggest challenges that Alex has faced? ● 27:24 – What kept Alex going and not giving up while writing his book? 3 Key Points 1. Alex Lazarow’s term ‘the camel’ is like the term ‘unicorn,’ but instead it is businesses labeled a ‘real animal’ that can sustain in harshest environments by building a business model that works, managing costs and burn, and by taking a long-term view. 2. Within a context of adversity, there are advantages that come about. 3. The best entrepreneurs are creators, not disruptors. Tweetable Quotes: ● “I work for a firm called Cathay Innovation, a globally-focused venture firm that invests across Asia, Europe, North American, and Africa. But, outside of work, I’ve been teaching an MBA class.” – Alex Lazarow ● “Outside the (Silicon) Valley, I coined the term ‘the camel,’ it is this idea of balanced growth, businesses that still want to grow really fast. But, still infuse their business with sustainability and resilience.” – Alex Lazarow ● (Out-Innovate book) “This is a 2-year effort. I interviewed about 200 entrepreneurs from around the world.” – Alex Lazarow Resources Mentioned: ● Facebook – Jason Pereira’s Facebook ● LinkedIn – Jason Pereira’s LinkedIn ● FintechImpact.co – Website for Fintech Impact ● JasonPereira.ca – Sign up for Jason Pereira’s newsletter ● Linkedin – Alex Lazarow’s Linkedin ● Cathay Innovation – Website for Cathay Innovation ● Out-Innovate – Alex Lazarow’s Book  Hosted on Acast. See acast.com/privacy for more information.

Summary:In this 118th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Matt Alston, COO & Co-Founder at Surex, an online digital insurance broker that caters to home, auto, and various forms of casualty, seeking to digitize the entire consumer experience. Matt Alston explains the origin of Surex, the solutions that it provides to its users, increasing automation to compete long-term, and providing intelligent distribution. Episode Highlights: ● 00:16 – Jason Pereira introduces Matt Alston and what Surex is. ● 00:43 – Matt Alston explains what Surex is and its history. ● 01:54 – What opportunity did Matt see that he needed to take advantage of? ● 03:33 – What exactly does Surex’s app do? ● 04:02 – What does the experience look like when applying for insurance? ● 04:58 – Matt talks about focusing on quote accuracy and working with the carriers they work with. ● 08:27 – What was the experience like with the carrier that embraced Surex the most and ones they convinced? ● 12:41 – How agreeable are carriers in updating their automation and digitizing? ● 16:18 – Matt Alston says that when it comes to disruption, ‘only the paranoid survives.’ ● 20:03 – Companies need to focus on their customers. ● 20:36 – Matt Alston talks about Surex’s artificial intelligence strategies. ● 24:25 – Surex wanted to be viewed by carriers as intelligent distribution. ● 25:50 – Their advisors don’t just sell on price. ● 27:22 – What would Matt Alston change in his business or industry? ● 29:22 – What have been the biggest challenges that Matt has faced? ● 31:24 – What is the most exciting thing that he is working on? 3 Key Points 1. Surex currently covers insurance for primary homeowners, auto insurance, personal auto, tenant & condo, and they are building out landlord insurance covering rental properties, boats, motorcycles, and travel trailers. 2. Surex works with 14 different carriers. 3. 30% of Surex’s back office transactions are automated. They are trying to get that to 85%-90% over the next year. Tweetable Quotes: ● “Surex is a digital brokerage. We operate across Canada. We’re basically nationwide minus Quebec and a couple of the provinces in Atlantic Canada.” – Matt Alston ● “We provide a transparent way for Canadians to be able to quote, compare prices, coverage, and buy online for home and auto insurance.” – Matt Alston ● “If you are quoting, say, one vehicle, one driver, it will take you five minutes to complete your quote and get your offers. Depending on the province you’re in, you will get anywhere from 6-12 different offers for insurance.” – Matt Alston Resources Mentioned: ● Facebook – Jason Pereira’s Facebook ● LinkedIn – Jason Pereira’s LinkedIn ● FintechImpact.co – Website for Fintech Impact ● JasonPereira.ca – Sign up for Jason Pereira’s newsletter ● Linkedin – Matt Alston ● Surex – Website for Surex Hosted on Acast. See acast.com/privacy for more information.

Summary:In this 117th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Dan Doney, CEO of Securrency, a blockchain-enabled tokenization platform that bakes compliance into the actual token. This enables the token to represent the actual asset and simultaneously has rules set around who can participate, what the issuance policies are, and what government regulations come into play. Episode Highlights: ● 00:13 – Jason Pereira introduces Dan Doney and what Securrency is, ● 00:52 – Dan Doney explains Securrency. ● 02:21 – How and why did Securrency get started? ● 08:19 – What is the ideal situation for blockchain tokenization? ● 11:02 – What is happening with the WisdomTree investment in Securrency and innovations in the blockchain space? ● 17:16 – How do liquidity rules apply to Securrency? ● 18:32 – The boundary is only formed by the qualifications of the users and the instruments that they care trading and whether there is a match. ● 19:18 – Jason and Dan talk about securitization of real estate and usership. ● 24:47 – What would Dan Doney change in his business or industry? ● 28:34 – What have been the biggest challenges that Dan has faced? ● 30:30 – What is the most exciting thing that he is working on? 3 Key Points 1. Securrency patented a concept that allows you to flexibly generate an easy user interface to drag-and-drop rule sets so lawyers and regulators can see the frameworks to enforce global securities regulations. 2. Banks spend $240 billion a year on compliance. 3. If a venueless boundary can be created for rules and enforcement of rules, do you really need to have a central location under which the exchange takes place? Tweetable Quotes: ● “We emphasize specifically interoperability and one of our hallmark components is the ability to link existing financial service networks to the blockchain space.” – Dan Doney ● “The tokens know what they are allowed to do and they only allow themselves to participate in transactions between known and qualified parties, regardless of the type of instruments.” – Dan Doney ● “What you want is a global venue where the instrument itself knows what the rules are and it is able to enforce the rules without boundaries, or at least the only boundary is the regulatory framework that applies for the instrument and any participants in the trade.” – Dan Doney Resources Mentioned: ● Facebook – Jason Pereira’s Facebook ● LinkedIn – Jason Pereira’s LinkedIn ● FintechImpact.co – Website for Fintech Impact ● JasonPereira.ca – Sign up for Jason Pereira’s newsletter ● Linkedin – Dan Doney’s● Securrency – Website for Securrency  Hosted on Acast. See acast.com/privacy for more information.

Summary:In this 116th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Giles Sutherland, Managing Director for Growth Markets at Carta. Carta is a provider of underlining payment infrastructure for various players in the market, including many well-known fintechs. Episode Highlights: ● 00:37 – Giles Sutherland defines Carta and what it provides. ● 03:21 – What led the founders of Carta to create it? ● 08:34 – Giles provides some examples of companies that might be recognized that have utilized their service. ● 14:48 – What other sectors of the economy has Carta gone after to support? ● 21:17 – What is Carta’s unique value proposition? ● 25:19: – Why did the company begin its efforts in Europe? ● 31:39 – Platforms are baking in the proper security as necessary. ● 33:52 – Under 10% of process flows are touching a bank. ● 35:18 – It is roughly a 6-year process to upgrade platform systems. ● 37:03 – What would Giles Sutherland change in his business or industry? ● 39:48: – What have been the biggest challenges that Giles has faced? ● 41:45: – What is the most exciting thing that he is working on? 3 Key Points 1. Carta refers to themselves as ‘the engine powering some of these neo-banks or fintechs. 2. Carta’s business model is a service model in an infrastructure play. 3. Banks are spending billions of dollars on their IT and infrastructure. But, three-quarters of it is just going to maintain systems. Tweetable Quotes: ● “The reality is, almost all banks actually outsource the equivalent processing functionality. So, the merchant is outsourcing the processing of that, let’s say, accepting transaction to accept payments or receive payments.” – Giles Sutherland ● “The average consumer though, wouldn’t be aware of the fact that their life savings are in a bank with extinct programming language actually holding it all together.” – Giles Sutherland ● “You’ve got the new guys coming in to disrupt. Great, we want to sell them some technology that can enable them. The banks don’t want to let go quite so easily? No problem. We can use that technology to help banks.” – Giles Sutherland Resources Mentioned: ● Facebook – Jason Pereira’s Facebook ● LinkedIn – Jason Pereira’s LinkedIn ● FintechImpact.co – Website for Fintech Impact ● JasonPereira.ca – Sign up for Jason Pereira’s newsletter ● Linkedin – Giles Sutherland’s ● Carta – Website for Carta Hosted on Acast. See acast.com/privacy for more information.

Summary:In this 115th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews J. Gaston Siri, Chief Executive Officer at SideDrawer and Jamie R. Wolkove, Vice President Sales & Marketing at SideDrawer. SideDrawer is an app and platform based in Toronto, Ontario, Canada that allows you to store all the stuff in your life in one place, not just as pdf files, but with intelligence to drive action and support. Episode Highlights: ● 00:56: – J. Gaston Siri and Jamie R. Wolkove define Sidedrawer and how it got started. ● 05:18: – What is SideDrawer doing to drive engagement with users? ● 07:38: – SideDrawer is implementing feedback that they are getting in the field from users. ● 08:59: – Jason Pereira defines ‘metadata’ and how it works with SideDrawer. ● 09:54: – What types of challenges and pushback have they gotten from people concerned about data security? ● 14:04: – How is the pricing model for SideDrawer laid out? ● 16:10: – How is SideDrawer tackling concerns about data security? ● 21:35: – J. Gaston Siri and Jamie R. Wolkove discuss the information acquisition side of SideDrawer. ● 23:43: – Is SideDrawer looking at using personal financial management tools? ● 28:48: – It is not just up to the end-user to upload all the data it is also on the professional service provider to do as well. ● 29:19: – How do executors get access to a deceased user’s SideDrawer? ● 31:27: – What would they change in their business or industry? ● 32:48: – What has been the biggest challenge to get the company where it is today? ● 33:51: – What is the most exciting thing that they are working on? 3 Key Points 1. Metadata is another point of data surrounding a digital file that is of relevance. 2. SideDrawer can help you save money and protect your assets and your entire portfolio. 3. SideDrawer’s entire production infrastructure online is serverless, making it less susceptible to hacking than other financial institutions. Tweetable Quotes: ● (SideDrawer) “Now you have a place in which you can organize your entire life on a weekly basis, daily basis, monthly basis, whatever the timeframe would be.” – J. Gaston Siri ● “When you look at SideDrawer, not only do you have the organization guardrails that we are giving you to help you organize better. But on top of that, we’re essentially giving you all this ability to load that meta data.” – J. Gaston Siri ● “If we can actually help you identify where you should actually be in terms of the right size in your insurance policies, then that is a benefit that we can give you.” – J. Gaston Siri Resources Mentioned: ● Facebook – Jason Pereira’s ● LinkedIn – Jason Pereira’s ● FintechImpact.co – Fintech Impact ● JasonPereira.ca – Jason Pereira’s newsletter ● Linkedin – J. Gaston Siri’s ● Linkedin – Jamie R. Wolkove’s ● Sidedrawer – Website Sidedrawer Full Transcript Hosted on Acast. See acast.com/privacy for more information.

Summary:In this 114th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Neil Sheehan and Awaad Amir who both work in the roles of Research & Advisory at Celent. Celent is a consultant to large financial and Fortune 500 institutions that deals with how they can better adapt to technological challenges that they are facing. Awaad Amir and Neil Sheehan discuss the uses and developments of voice activation. Episode Highlights: ● 01:15 – Neal Sheehan and Awaad Amir define Celent and how it got started. ● 02:43 – Why was Celent created as an offshoot of Oliver Wyman? ● 04:28 – What kind of developments have they seen arising with voice? ● 08:23 – They discuss some of the obstacles that voice has to overcome still. ● 13:14 – What are some of the use cases for voice? ● 19:22: – How many banks in Canada and the United States are using Virtual assistants? ● 22:50 – Voice accuracy and privacy issues are still not fully resolved. ● 24:53 – What is involved on the backend for delivering the best experience? ● 27:11 – Clean data is crucial to build new initiatives and products. ● 32:53 – Innovation labs are important for banks to create new solutions. ● 35:26 – What would they change in their business or industry? ● 37:17: – What have been the biggest challenges that they face? ● 41:31: – What is the most exciting thing that they are working on? 3 Key Points 1. All the major banks in Canada and the United States are experimenting with voice interactions. 2. We have the legal right to our data and to have it requested in a reasonable amount of time. 3. The industry needs to continue to educate those that use their services. Tweetable Quotes: ● “Celent is a technology research and advisory firm that is a subsidiary of Oliver Wyman, which is a global management consulting firm.” – Awaad Amir ● “We do have a software application on our website that is called VendorMatch where vendors can go on and put their applications on there, put a demo, a white sheet, any type of information on facts on the products.” – Neil Sheehan ● “What is so unique about voice, unlike desktop, mobile computing, it is an interface that the user has to learn. So, the voice kind of flips that around where it is the natural language of the person.” – Awaad Amir Resources Mentioned: ● Facebook – Jason Pereira’s ● LinkedIn – Jason Pereira’s ● FintechImpact.co – Website ● JasonPereira.ca – Jason Pereira’s newsletter ● Linkedin – Neil Sheehan’s ● Linkedin – Awaad Amir’s ● Celent – Website● VendorMatch –Webpage for Celent Hosted on Acast. See acast.com/privacy for more information.