
Fintech Leaders
Learn from today’s global leaders building the organizations that will dominate the 21st century in fintech, business, and beyond.
Latest episodes

Jun 24, 2025 • 38min
Steve Stagner on Building Crete's $500 Million AI Roll-up to Modernize Accounting
Send us a textMiguel Armaza interviews Steve Stagner, CEO of Crete, an AI-powered roll-up deploying $500+ million to modernize the accounting industry. Backed by Thrive Capital, Bessemer Venture Partners, and others, Crete is acquiring US accounting firms and transforming them with OpenAI-powered tools. Steve brings battle-tested insights from building Mattress Firm from a single $1,300 franchise to a $3.8 billion Fortune 500 giant.In this episode, we discuss (1) Why "People, Process, Technology" - in that exact order - is the only formula that works for AI transformation; (2) How Crete's partner equity model differs from traditional PE roll-ups, letting firms keep their culture while accessing enterprise-grade AI tools; (3) Why firms that don't embrace AI will lose and how Crete has already seen 30-50% efficiency gains through AI-powered trial balance normalization and audit testing... and a lot more!Want more podcast episodes? Join me and follow Fintech Leaders today on Apple, Spotify, or your favorite podcast app for weekly conversations with today’s global leaders that will dominate the 21st century in fintech, business, and beyond.Do you prefer a written summary? Check out the Fintech Leaders newsletter and join 80,000+ readers and listeners worldwide!Miguel Armaza is Co-Founder and General Partner of Gilgamesh Ventures, a seed-stage investment fund focused on fintech in the Americas. He also hosts and writes the Fintech Leaders podcast and newsletter.Miguel on LinkedIn: https://bit.ly/3nKha4ZMiguel on Twitter: https://bit.ly/2Jb5oBcFintech Leaders Newsletter: bit.ly/3jWIp

Jun 10, 2025 • 37min
Jack Zhang, Airwallex CEO - A $6 Billion Powerhouse Solving Global Payments for Companies
Send us a text[Original air date, April 9, 2024] Miguel Armaza interviews Jack Zhang, CEO & Co-Founder of Airwallex, a global payments and treasury giant that moves $7 billion in monthly transaction volume and serves 100,000+ clients, including Brex, Rippling, and SHEIN.Founded in Melbourne in 2015, Airwallex was last valued at $6.2 billion and has raised over a billion dollars from Sequoia, DST, Square Peg, Greenoaks, Mastercard, Tencent, Salesforce, and many more.In this episode, we discuss:How investing in a coffee shop led him to co-found a global payments networkWhy Airwallex prioritizes people with great leadership skills who are also technicalThe impact of AI in financial servicesNew risks of AI-powered financial fraudPartnering with almost 100 banks around the world… and a lot more!Want more podcast episodes? Join me and follow Fintech Leaders today on Apple, Spotify, or your favorite podcast app for weekly conversations with today’s global leaders that will dominate the 21st century in fintech, business, and beyond.Do you prefer a written summary? Check out the Fintech Leaders newsletter and join 80,000+ readers and listeners worldwide!Miguel Armaza is Co-Founder and General Partner of Gilgamesh Ventures, a seed-stage investment fund focused on fintech in the Americas. He also hosts and writes the Fintech Leaders podcast and newsletter.Miguel on LinkedIn: https://bit.ly/3nKha4ZMiguel on Twitter: https://bit.ly/2Jb5oBcFintech Leaders Newsletter: bit.ly/3jWIp

Jun 3, 2025 • 42min
Eynat Guez, Papaya Global CEO - From 1,000 Rejections to $34 Billion in Annual Payments
Send us a textMiguel Armaza interviews Eynat Guez, CEO and Founder of Papaya Global. She has built an HR and payroll platform that has transformed how companies manage and operate global teams across 180 countries. After having faced over 1,000 rejections from VCs, Papaya has now grown to process $34 billion in payments annually and they've raised significant funding from Insight Partners, Bessemer, Greenoaks Capital, and more.We discuss why brutal honesty and direct leadership creates stronger companies, how founders need to learn "investor language" to sell the company vision rather than the product, the operational complexity of building global from day one across 160 countries, and how being a mother of three shaped her approach to building a hypergrowth company. Want more podcast episodes? Join me and follow Fintech Leaders today on Apple, Spotify, or your favorite podcast app for weekly conversations with today’s global leaders that will dominate the 21st century in fintech, business, and beyond.Do you prefer a written summary? Check out the Fintech Leaders newsletter and join 80,000+ readers and listeners worldwide!Miguel Armaza is Co-Founder and General Partner of Gilgamesh Ventures, a seed-stage investment fund focused on fintech in the Americas. He also hosts and writes the Fintech Leaders podcast and newsletter.Miguel on LinkedIn: https://bit.ly/3nKha4ZMiguel on Twitter: https://bit.ly/2Jb5oBcFintech Leaders Newsletter: bit.ly/3jWIp

May 27, 2025 • 45min
Chen Amit, Tipalti CEO - A $100 Billion Opportunity, Why 'Once-in-a-Decade' Crises Now Happen Every 6 Months, Achieving 99% Revenue Retention
Send us a textMiguel Armaza interviews Chen Amit, CEO and Co-Founder of Tipalti, a global fintech platform processing billions in payments and serving over 4,000 mid-market companies worldwide. By focusing on the underserved mid-sized companies, Tipalti has achieved 99% gross revenue retention over 15 years and secured licenses across 50+ jurisdictions.We discuss:Navigating "once-in-a-decade" disruptions that now seem to happen every six monthsWhy customer intuition can override conflicting data pointsHow saying "no" to your customers or partners can sometimes be the right strategic moveWhy licenses, bank integrations, and data moats matter more than ever in the AI era... and a lot more!Want more podcast episodes? Join me and follow Fintech Leaders today on Apple, Spotify, or your favorite podcast app for weekly conversations with today’s global leaders that will dominate the 21st century in fintech, business, and beyond.Do you prefer a written summary? Check out the Fintech Leaders newsletter and join 75,000+ readers and listeners worldwide!Miguel Armaza is Co-Founder and General Partner of Gilgamesh Ventures, a seed-stage investment fund focused on fintech in the Americas. He also hosts and writes the Fintech Leaders podcast and newsletter.Miguel on LinkedIn: https://bit.ly/3nKha4ZMiguel on Twitter: https://bit.ly/2Jb5oBcFintech Leaders Newsletter: bit.ly/3jWIp

May 14, 2025 • 42min
Anré Williams, American Express – From Intern to Bank CEO, a 35-Year Journey at a Global Powerhouse
Send us a textMiguel Armaza sits down in NYC with Anré Williams, Senior Executive Advisor at American Express. Anré has spent over 35 years at Amex, rising from summer intern to, most recently, CEO of American Express National Bank (which represents ~60% of the company's revenues). Under his leadership, Amex transformed its banking business into a top 25 US bank by assets.Amex is one of the oldest financial services companies in the world. The company is 150 years old and in 2024, they reported record revenues of $66 billion dollars.We discuss:The Amex playbook for maintaining industry-leading low loss rates even through major economic crisesBuilding the AmEx digital bank from a small operation into a powerhouse with over $100 billion in assetsHow hyper-targeted data analytics revolutionized Amex's global expansion strategyLessons from pioneering fintech partnerships with disruptors like Square, insights on effective mentorship... and lots more!Want more podcast episodes? Join me and follow Fintech Leaders today on Apple, Spotify, or your favorite podcast app for weekly conversations with today’s global leaders that will dominate the 21st century in fintech, business, and beyond.Do you prefer a written summary? Check out the Fintech Leaders newsletter and join 75,000+ readers and listeners worldwide!Miguel Armaza is Co-Founder and General Partner of Gilgamesh Ventures, a seed-stage investment fund focused on fintech in the Americas. He also hosts and writes the Fintech Leaders podcast and newsletter.Miguel on LinkedIn: https://bit.ly/3nKha4ZMiguel on Twitter: https://bit.ly/2Jb5oBcFintech Leaders Newsletter: bit.ly/3jWIp

May 7, 2025 • 58min
Eduardo Chedid, CEO of PicPay: 60M Users, $1B Revenue, From Brazil’s Digital Wallet to a Banking Giant
Send us a textMiguel Armaza travels to Sao Paulo for an interview with Eduardo Chedid, CEO of PicPay, a Brazilian fintech giant that has quietly become one of the most important financial companies in Latin America.With 60 million customers and handling 11% of all Pix payments transactions in Brazil, PicPay has achieved profitability while maintaining hyper-growth—posting 61% revenue growth and 7× higher profits in 2024.In this episode, we discuss:How PicPay transformed from a digital wallet into a multi-product financial platformThe power of business unit autonomy and prioritizing top talent acquisitionBuilding a two-sided ecosystem that serves both consumers and businesses with separate monetization strategiesWhy Brazilian market volatility creates resilient managers and how to avoid the "incumbent trap"... and lots more!Want more podcast episodes? Join me and follow Fintech Leaders today on Apple, Spotify, or your favorite podcast app for weekly conversations with today’s global leaders that will dominate the 21st century in fintech, business, and beyond.Do you prefer a written summary? Check out the Fintech Leaders newsletter and join 75,000+ readers and listeners worldwide!Miguel Armaza is Co-Founder and General Partner of Gilgamesh Ventures, a seed-stage investment fund focused on fintech in the Americas. He also hosts and writes the Fintech Leaders podcast and newsletter.Miguel on LinkedIn: https://bit.ly/3nKha4ZMiguel on Twitter: https://bit.ly/2Jb5oBcFintech Leaders Newsletter: bit.ly/3jWIp

Apr 30, 2025 • 36min
Yoshi Yokokawa, CEO of Alpaca – 5 Million Accounts in 40 Countries, A Vision for Borderless Investing, Decision Frameworks & The API Sandwich Strategy
Send us a textMiguel Armaza stops by the New York Stock Exchange to interview Yoshi Yokokawa, CEO & Co-founder of Alpaca, an API-first brokerage infrastructure company that has raised over $100 million to serve more than 200 financial institutions across 40 countries, with 5 million brokerage accounts on their platform.In this episode, we discuss:Balancing data-driven decisions with entrepreneurial instinctWhy Alpaca's self-clearing model slashes dependencies, cuts costs, and accelerates innovationWhy API-first companies need a sandwich approach: bottom-up developer community and top-down enterprise salesWhy Japan's economic history shaped a generation of domestic entrepreneurs while global founders like Yoshi remain the exception… and lots more!Want more podcast episodes? Join me and follow Fintech Leaders today on Apple, Spotify, or your favorite podcast app for weekly conversations with today’s global leaders that will dominate the 21st century in fintech, business, and beyond.Do you prefer a written summary? Check out the Fintech Leaders newsletter and join 75,000+ readers and listeners worldwide!Miguel Armaza is Co-Founder and General Partner of Gilgamesh Ventures, a seed-stage investment fund focused on fintech in the Americas. He also hosts and writes the Fintech Leaders podcast and newsletter.Miguel on LinkedIn: https://bit.ly/3nKha4ZMiguel on Twitter: https://bit.ly/2Jb5oBcFintech Leaders Newsletter: bit.ly/3jWIp

Apr 23, 2025 • 50min
Daniel Vogel, CEO of Bitso – Serving 12 Million Customers and Building a Crypto Giant Through Innovation, Transparency, and a Curious Mind
Daniel Vogel, CEO and Co-Founder of Bitso, a major cryptocurrency platform in Latin America, shares insights on building a culture of rapid learning and curiosity. He highlights how transparency boosts employee engagement and company performance. The conversation dives into the transformative potential of stablecoins in cross-border transactions, particularly in Latin America. Vogel also discusses personal projects that foster innovation and the importance of lifelong learning, emphasizing that curiosity drives both personal and professional growth.

Apr 16, 2025 • 35min
Bam Azizi, CEO of Mesh Connect - From Credit Card Debt to $130M, Building the Rails for a $37T Market, Executing a Wild Pivot
Bam Azizi, Co-Founder and CEO of Mesh Connect, shares his inspiring journey as an immigrant entrepreneur. He discusses the crucial pivot from B2C to B2B, tapping into the $37 trillion stablecoin opportunity. Bam highlights the importance of creating a unified financial landscape amid market fragmentation. He dives into product development philosophies and stresses the need for improved user experiences in crypto. His fundraising tales reveal the resilience essential for navigating market volatility, making his story a compelling blend of innovation and perseverance.

Apr 9, 2025 • 42min
Johnny Ayers, CEO of Socure - Building a Giant that Protects Billions of Identities, and How to Turn a Crisis into an Advantage
Johnny Ayers, CEO and Co-Founder of Socure, is a pioneer in digital identity verification, leveraging machine learning and graph analytics. He shares how Socure rebounded from a near disaster in 2014 to revolutionize identity verification for major financial institutions. The conversation reveals why government fraud prevention trails behind, costing taxpayers billions. Ayers also discusses his strategic approach to acquisitions and the future of digital identity, including the potential of biometrics and wearable technologies.