The MoneyPot

Can empowering employees to know more of their worth actually be a benefit to their employer? Aydan Al-Saad, Head of the UK, Ireland and Nordics at Ravio and TikTok sensation believes that pay transparency and employee empowerment will benefit their organizations as much as the individuals. He sat down with Gina Clarke, our Director of Content in the EU, to discuss pay transparency, why content will be the ‘new cv’ and the importance of empowering employees to have side hustles. Guest: Aydan Al-Saad Head of the UK, Ireland and Nordics at Ravio Host: Gina Clarke, Director of Content, Money20/20 EU Rachel Morrissey, Executive Producer, The MoneyPot, Money20/20

Why is embedded investing the next step to wealth inclusion with Mary Agbesanwa Financial Inclusion means so much more than access to a money account. Building wealth requires access to many financial tools that are not understood broadly, but are vital to creating health and wealth. This has created a gender wealth gap that Mary Agbeswa, Fintech Growth Lead at Seccl is on a mission to end utilizing new wealthtech, embedded investing and financial literacy. Guest: Mary Agbeswa, Fintech Growth Lead at Seccl Host: Ian Horne, Head of Content, Money20/20 EU Rachel Morrissey, Executive Producer, The MoneyPot at Money20/20

Every once in a while, someone uses truly clever solutions to leapfrog forward and show us how technology can truly solve real problems. That’s what Carmen Vicelich did with Valocity. Carmen, a self-described data nerd, realized that a platform that brought together all the players in real estate, shortening the valuation process, and allowing for a more complete picture of neighborhoods, was long overdue. As she set out to build it, she created a data company - Data Insight- providing both public and private entities with valuable new insights. And she has just launched a third company, using similar tools, to help identify carbon footprints. She takes us through the challenge, and where she hopes her solutions will go. Guest: Carmen Vicelich, Founder and Global CEO, Valocity Hosts: Nick Holland, Global Head of Insights, Money20/20 Rachel Morrissey, Executive Producer, The MoneyPot

Utilizing payments as a tool to aim towards a more inclusive system requires more than just an extended tech stack. There is a lot of work to be done to make payments as inclusive as possible, and that challenge has increased as our world has gone more digital and there are barriers to acquiring proper payment products. But Joanne Dewar, former CEO of Global Payments Solutions where she remains as a board member, is just getting started. She is on a mission, and she shared it with us. Guest: Joanne Dewar, former CEO of Global Payments Solutions where she remains as a board member Hosts: Ian Horne, Head of Content, Money20/20 EU Rachel Morrissey, Executive Producer, Podcast at Money20/20

Simon Taylor is one of the most forward thinkers and trusted movers in fintech, and last year when sanctions around SWIFT were announced, he wrote an incredibly clear and compelling explanation in his Fintech Brainfood Substack. One line stood out: “I think as Fintech Nerds, we have a real opportunity to build a better SWIFT and a better dollar global order.” Since that was written, several events have taken place that puts the dollar as the global currency more in question than ever before- including deals to buy oil with the Chinese Yuan, and movements in digital currencies. So, we need to ask “What do we do about de-dollarization?” Guest: Simon Taylor, Head of Content and Strategy, Sardine and Author of Fintech Brainfood SubStack Hosts: Rachel Morrissey, Executive Producer, The MoneyPot Podcast Micky Tesfaye, Content Lead, Money20/20EU Producer: Rachel Morrissey, Executive Producer, The MoneyPot Podcast

The ESG space is busy, busy, busy. Sustainability is becoming a key indicator for our industry. And one of its busiest proponents is Gerrit Sindermann, the Deputy Executive Director at the Green Digital Finance Alliance, a Swiss-based non-profit promoting the next generation of green digital finance. We spoke with Gerrit about how to get serious around the issues of environmental, social governance, and the climate agenda within fintech and digital innovation and what three big takeaways he wants to leave with the audience in the upcoming Money20/20 EU show in Amsterdam. Guest: Gerrit Sindermann, Deputy Executive Director, Green Digital Finance Alliance Hosts: Gina Clarke, Content Director, Money20/20 EU Rachel Morrissey, Executive Producer, The MoneyPot Podcast

In December 2021, 10 nations and several international institutions participated in a simulation "war game" on the global financial networks. It was organized and led by the Israeli Ministry of Finance, to anticipate the need for smarter international cooperation to protect systems. The goal was to prepare for the possibility of wide-spread simultaneous hacks, understand what were the key weaknesses, and find measures that could be implemented across international lines. We spoke with Rahav Shalom-Revivo, Head of Financial-Cyber Innovation and International Engagements, about the preparation and nature of the simulation, and the key findings that can keep our world safer. In her words "Collaboration is key in order to be able to make sure that the good guys actually win in the end." Guest: Rahav Shalom-Revivo, Head of Financial-Cyber Innovation and International Engagements, Israeli Ministry of Finance Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20 Rachel Morrissey, Executive Producer of the MoneyPot, Money20/20 Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential Rachel Morrissey, Executive Producer of the MoneyPot, Money20/20

With ChatGPT and its cousins flourishing and fleshing out our imaginations of what AI can do, there is more open scrutiny about the ethics and definitions of AI. We will be looking to talk more about this in the coming months, but in the meantime, we wanted to revisit an episode that seems even more relevant now. AI has a ‘black box’ issue and the lack of understanding about how such systems work can raise concerns about opacity, unfair discrimination, ethics and threats to individual privacy and autonomy. Would it be fair/acceptable if in the future AI used your digital identity and social media posts and decided you have very expensive habits and are thus unlikely to repay your debts? The new AI regulation proposed in the EU aims to address these issues by requesting processes to build, audit and safeguard AI systems. We spoke with Ismini Psychoula, Research Scientist at the OneSpann Innovation Center, about the principles behind the new regulations, and how to ensure trustworthiness and fairness in financial services. Guest: Ismini Psychoula, Research Scientist, OneSpan Innovation Centre APRIL- Autonomous Podcasting Robotic Intelligent Lifeform Hosts: Sanjib Kalita, Editor-in-Chief, Money20/20 Rachel Morrissey, Executive Producer, MoneyPot, Money20/20 Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential Rachel Morrissey, Executive Producer, MoneyPot, Money20/20

AI applications are surging and fueling the imagination of innovators and entrepreneurs. We had the opportunity to speak to Rana Gujral, the CEO of Behavioral Signals, who have been working on AI and communication applications. Mr. Gujral has been recognized as among 'Top 40 Voice AI Influencers to Follow' by SoundHound, ‘Entrepreneur of the Month’ by CIO Magazine, awarded ‘US-China Pioneer’ by IEIE, listed as a Top 10 Entrepreneur to follow in 2017 by Huffington Post and an AI Entrepreneur to Watch in Inc Magazine. In 2020 he won “Contributor of the Year: Chatbots” in Hacker Noon’s Noonie’s Awards. This new application is using the power of the voice and the non-verbal cues to help create better customer experiences and greater data protections at the same time. This is one to watch! Guests: Rana Gujral, CEO, Behavioral Signals Host: Rachel Morrissey, Executive Producer, The MoneyPot Producer: Rachel Morrissey, Executive Producer, The MoneyPot

Banks today aren't great at innovation, but simply mimicry, because of Conway's Law - “Any organization that designs a system (defined broadly) will produce a design whose structure is a copy of the organization's communication structure. So, what changes in technology would be enough to change the way teams in banks are structured, and thereby the design of the products/services they offer? And does culture mirror technology or does technology mirror culture? We spoke withKaran Oberoi from Backbase, and Nick Cowell from Deloitte Digital to dig out the way banks can re-imagine their systems and therefore reimagine their services. Hint: Mission is central. Guests: Karan Oberoi, Chief Product Officer, Backbase Nick Cowell, Principal, Deloitte Digital (his team helped multiple challenger fintechs launch and he leads the Affinity Banking practice Host: Rachel Morrissey, Executive Producer of The MoneyPot, Money20/20 Producers: Rachel Morrissey, Executive Producer of The MoneyPot, Money20/20 Special Thanks to Will Haskins!

Fintech Policy wonks are having a field day. While companies are finding new advantages to having smart policy teams, regulators are hungry for tech savvy employees. To help us find a pathway, we invited John Pitts, Head of Policy at Plaid, and Kaitlin Asrow, the Executive Deputy Superintendent of Research and Innovation, at NYDFS to our stages to find ways that regulators can think more in line with innovators, and innovators can better communicate with rulemakers. We are also posting this along with For Fintech’s Sake, and it features guest host, Ally McCloskey, who has shown her chops interviewing fintech luminaries at the Wharton Fintech podcast for the past several years. Guests: John Pitts, Head of Policy, Plaid Kaitlin Asrow, Executive Deputy Superintendent, Research and Innovation, NYDFS Guest Host: Ally McClosky, For Fintech’s Sake Producer: Rachel Morrissey, Executive Producer, The MoneyPot, Money20/20

Jim Magats has been a part of Fintech since before it was a hashtag. During his career, his leadership was central to the growth of PayPal, spearheading their bread and butter- partnerships. In 2021, he took on the new challenge of leading MX as their CEO. MX had a very difficult 2021- not due to business- but due to the challenges and heartbreak life can throw our way. Their CEO, Ryan Caldwell, had to step back to pay attention to serious family health issues. And their co-founder, and one of the great souls in our industry, Brandon DeWitt passed away after a battle with cancer. We spoke to Jim about his experiences in the industry, the philosophies and mindsets that have created success, and the unique challenge and honor of taking the helm at MX. Guest: Jim Magats, CEO, MX Host: Rachel Morrissey, Executive Producer, The MoneyPot at Money20/20 Producer: Rachel Morrissey, Executive Producer, The MoneyPot at Money20/20

Financial services companies are swimming in data, and everyone suspects that the secrets to client satisfaction and increased profits are hidden in it. However, with that much data, the challenge is- how do you organize it into something useful with genuine answers? Something that tells a real story? And can you anyone paint the picture? Robert Cooke, Founder and CTO of 3Forge can. After working in several financial services companies in a variety of roles, he had a deep understanding of the issues and thought he knew the solution. So- he built it. 3 Forge’s AMI is deployed at three of the five largest global banks, and nearly 20% of global equities flows through the platform. It also provides services to hedge funds, broker-dealers, and other financial services firms. The company is the leading provider of “performance at scale” data management systems. And all of that journey started at 10…. But we are getting ahead of ourselves. Guest: Robert Cooke, Founder and CTO of 3Forge Hosts: Rachel Morrissey, Executive Producer, The MoneyPot at Money20/20 Ian Horne, Head of Content, Money20/20 EU Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential Rachel Morrissey, Executive Producer, The MoneyPot at Money20/20

When Rachel Schneider wrote “The Financial Diaries”, the research uncovered several misconceptions that the financial industry has about the financial lives of the average person. When her research was done and her book was published, the Omidyar Network that had funded the study then presented her with the opportunity to solve one issue that she found in her research. Her answer is Canary, which helps businesses create safety nets for their employees and the communities they live in, and helps smooth over the rough times that inevitably fall in all our lives. I hope you enjoy this episode and may we all have stronger communities and strengthen the ties that bind us together in the new year! Guest: Rachel Schneider, Founder and CEO, Canary Host: Rachel Morrissey, Executive Producer of The MoneyPot, Money20/20

We spoke to Colin Luce, the Co-Founder & CEO of Basis Theory - a tokenization platform built to manage data compliance and help companies navigate the increasing complexity of global regulations about how their tech can change the nature of data security and compliance. This was recorded at the Money20/20 Show in October 2022 Guests: Colin Luce, Co-Founder & CEO Basis Theory Hosts: Nick Holland, Global Head of Insights, Money20/20 Sanjib Kalita, Wizard on Site, Money20/20 Producers: Roland Bodenham, Senior Video Producer and Podcast Development Lead, Ascential Rachel Morrissey, Executive Producer of The MoneyPot Podcast, Money20/20

We sat down with Ricardo Amper, CEO of Incode to discuss how financial institutions are combatting spoofing and identity fraud through biometric digital identity verification. We also discussed the use of synthetic data to commit fraud, and what can be done at scale to help. This was recorded live at The MoneyPot Booth in Las Vegas in October 2022. Guest: Ricardo Amper, CEO, Incode Hosts: Nick Holland, Global Head of Insights, Money20/20 Rachel Morrissey, Executive Producer of The MoneyPot Podcast, Money20/20 Producers: Roland Bodenham, Senior Video Producer & Podcast Development Lead, Money20/20 Rachel Morrissey, Executive Producer of The MoneyPot Booth, Money20/20

On this MoneyPot Raw, Sanjib Kalita and Rachel Morrissey sit down with Mr. Victor D. Lombard, aka DIVINE, to speak about his journey and his mission to create fintech that solves systemic disadvantages. In this vulnerable and extraordinarily honest interview, DIVINE left us inspired and humbled. We are very grateful he shared his time and considerable insights on his mission. He has founded SOLVENT to focus on and empower the system impacted, formerly incarcerated, and incarcerated with tools for the socioeconomically disadvantaged, formerly incarcerated, family, friends and loved ones of the formerly incarcerated and/or incarcerated, and those currently incarcerated. Guest: Mr. Victor Lombard AKA DIVINE Hosts: Sanjib Katlita, Editor-in-Chief Emeritus, Money20/20 Rachel Morrissey, Executive Producer, The MoneyPot Podcast, Money20/20 Producers: Rachel Morrissey, Executive Producer, The MoneyPot Podcast, Money 20/20 Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential

We sat down with Delicia Reynolds Hand from Consumer Reports, and Cleve Mesidor from The Blockchain Assn, to talk about whether the DeFI movement in FinTech is creating new indicators of financial wellbeing and how young POCs, women, and diverse innovators are forging new metrics of wellbeing and prosperity. This was LIVE at the Money20/20 US show in Las Vegas in October 2022. Guests: Delicia Reynolds Hand, Director, Financial Fairness, Consumer Reports Cleve Mesidor, Executive Director, Blockchain Foundation Hosts: Micky Tesfaye, Content Lead, Money20/20 EU Rachel Morrissey, Executive Podcast Producer, Money20/20 Producers: Rachel Morrissey, Executive Podcast Producer, Money20/20 Roland Bodenham, Senior Video Producer and Podcast Lead, Money20/20

Following on our previous episode on Brazil's Pix payment rails, we had João Del Valle, CEO and Co-Founder at EBANX talk to us about the tremendous changes that have occurred and what he sees coming in merchant/ b2b payments. This was recorded at the Money20/20 Show in October 2022 Guest: João Del Valle, CEO and Co-Founder, EBANX Hosts: Nick Holland, Global Head of Insights, Money20/20 Sanjib Kalita, Editor-in-Chief Emeritus, Money20/20 Producers: Rachel Morrissey, Executive Podcast Producer, Money20/20 Roland Bodenham, Ascential Video Producer and Podcast Lead, Ascential

IPOs are in a holding pattern, SPACs are undergoing a transformation and the private market is shaky. Economic downturns always give birth to innovation in the capital markets. Companies need capital – the lifeblood of growth. How do you position yourself to be one of the most financially innovative companies? We spoke with Isabelle Freidheim, Founder & Chairman of Athena to understand what's happening in capital markets. Guest: Isabelle Freidheim, Founder & Chairman, Athena Hosts: Nick Holland, Global Head of Insights and Networks, Money20/20 Micky Tesfaye, Content Lead, Money20/20 EU Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Ascential Rachel Morrissey, Executive Producer of The MoneyPot, Money20/20