Purpose Driven FinTech

In Today’s episode we speak with Regina Lau, CFO at Weavr.io. Regina is a proponent of merging purpose and profit by not thinking of business as a zero sum game, but as an endeavor to growing the pie together. We discuss how measuring customer sentiment help us understand the actual impact we are having in customer’s lives. I love this approach because the amount of money we have in the bank is not indicative of our financial wellbeing. We go personal and discuss how as a minority woman she’s reached C-level as a CFO and we get her thoughts about how to break the ceiling, allies and co conspirators. Weavr is an embedded finance solution that supercharges revenue and customer experience for digital businesses. There is a debate that today every company can be a FinTech, but FinTech requires specialist knowledge, so Weavr focuses on making it simple, safe, and regulatory compliant for businesses to integrate financial services offerings. We discuss their customer segment and their pain points, including a non talked about much segment of HR Tech. If you enjoy this Purpose Driven FinTech pod, please subscribe in YouTube, follow and leave a 5 star rating. Remember to connect in LinkedIn to keep the conversation going. Let’s dive into it! 👉 You can find Regina here https://www.linkedin.com/in/regina-lau-7772681/weavr.iohttps://www.linkedin.com/company/weavrpayments/https://www.weavr.io/ 👉 And you can find Monica here: https://www.linkedin.com/in/monicamillares/https://www.youtube.com/@moni_millareshttps://www.tiktok.com/@moni_millareshttps://moni-millares.mystrikingly.com/ If you enjoy this pod, please follow and leave a 5 star rating on Spotify and a review on Apple podcasts — Production and marketing by Monica Millares. For inquiries about being in the show, coaching, consulting, creative collabs, sponsoring the podcast or creating or editing your podcast email fintechwithmoni@gmail.com Disclaimer: 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.

For the first time ever in history, consumer borrowing in the UK has racked up to 2 trillion pounds. We've never seen that before. Pandemic ripple effects, high interest rates, and the raising cost of living have led people to rely on credit more. Even the richest 20 percent of the population are using credit to get by. This problem statement must to talked about. Today we speak with Yaseen Rostom, Founder and CEO at Incredible. I absolutely love their product, it’s solving a genuine customer pain point and it’s well thought through. He is not building just a debt management solution, he is providing a solution for peace of mind. For us to have 10x impact as an industry, he advocates we collectively must put customer outcomes at the centre of what we do; key word collectively. Incredible is a debt management solution that allows customers to make credit repayments on autopilot, while ensuring customers pay off their most expensive debt first. We expand on his user experience, financial resilience, how to measure his impact including how can we increase the overpayments people make towards their loans? How we can nudge people to round up to pay off debt vs round up for savings, findings from user testing and much more. If you enjoy this Purpose Driven FinTech pod, please subscribe in YouTube, follow and leave a 5 star rating. Remember to connect in LinkedIn to keep the conversation going. Let’s dive into it! 👉 You can find Yaseen here https://www.linkedin.com/in/yrstm/https://www.linkedin.com/company/incredibletechnologies/https://www.getincredible.com/ 👉 And you can find Monica here: https://www.linkedin.com/in/monicamillares/https://www.youtube.com/@moni_millareshttps://www.tiktok.com/@moni_millareshttps://moni-millares.mystrikingly.com/ If you enjoy this pod, please follow and leave a 5 star rating on Spotify and a review on Apple podcasts — Production and marketing by Monica Millares. For inquiries about being in the show, coaching, consulting, creative collabs, sponsoring the podcast or creating or editing your podcast email fintechwithmoni@gmail.com Disclaimer: 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 we have the honour to speak with Jeff Parker, CEO at Paymentology. He takes us back to the core. We explore what is Purpose, how Paymentology is having direct impact in customers’ lives - even though they are a B2B FinTech. He emphasizes how we need to collaborate more and share ideas as a FinTech community for us to be able to have 10x the impact in 5 years time. Jeff is known as a great leader, so I dig deeper on his leadership style and what we can do as an Industry to make it better for FinTechers. Paymentology is a card processor, so we explore the controversial question… is it the end of card payments? Or actually are they key for financial inclusion? We discuss how cards will evolve. And Jeff shares with us the key Paymentology capabilities he wishes every FinTech product team knew about, and how Paymentology is reducing complexity and empowering FinTechs and Brands to better serve their customers. If you enjoy this Purpose Driven FinTech pod, please subscribe in YouTube, follow and leave a 5 star rating. Remember to connect in LinkedIn to keep the conversation going. Let’s dive into it! 👉 You can find Jeff here https://www.linkedin.com/in/jeff-parker-504a10/https://www.linkedin.com/company/paymentology/https://www.paymentology.com/ 👉 And you can find Monica here: https://www.linkedin.com/in/monicamillares/https://www.youtube.com/@moni_millareshttps://www.tiktok.com/@moni_millareshttps://moni-millares.mystrikingly.com/ If you enjoy this pod, please follow and leave a 5 star rating on Spotify and a review on Apple podcasts — Production and marketing by Monica Millares. For inquiries about being in the show, coaching, consulting, creative collabs, sponsoring the podcast or creating or editing your podcast email fintechwithmoni@gmail.com Disclaimer: 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.

In today’s episode Tina Fisher, Chief Marketing Officer at Intix, shares with us the how we can 10x the impact we have as FinTechers and go deep on the role of trust. Tina has an impressive trajectory, she was named “Top Female Tech Founder” by the British Government, and her company SnapSave was listed as “Top 12 Series A investment opportunity” by VC4A. We tap into her mind and heart and she shares her top advice for women wanting to grow their business and career and as part of international women’s month, we deep dive on how we as an industry can invest more in women. Lastly, in today’s world, Data is king! Data empowers so many propositions and operations, hence it’s important we become data savvy. In this episode we discuss how Intix helps organizations consolidate transaction data for improved efficiency and hence better customer experience and reduced costs, and the power of their unique value proposition. If you enjoy this Purpose Driven FinTech pod, please subscribe in YouTube, follow and leave a 5 star rating on Spotify and a review on Apple podcasts. Remember to connect in LinkedIn to keep the conversation going. Let’s dive into it! 👉 You can find Tina here https://www.linkedin.com/in/tina-fisher-a62852/https://www.linkedin.com/company/intix/https://www.intix.eu/ 👉 And you can find Monica here: https://www.linkedin.com/in/monicamillares/https://www.youtube.com/@moni_millareshttps://www.tiktok.com/@moni_millareshttps://moni-millares.mystrikingly.com/ If you enjoy this pod, please follow and leave a 5 star rating on Spotify and a review on Apple podcasts — Production and marketing by Monica Millares. For inquiries about being in the show, coaching, consulting, creative collabs, sponsoring the podcast or creating or editing your podcast email fintechwithmoni@gmail.com Disclaimer: 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.

In today’s episode Aditya Damani, Founder at Credit Fair, shares with us his vision on having impact in over one million adults in India who currently don’t have access to credit, and the one thing we can do as FinTechers to have 10x results in solving for financial stress. We discuss what makes Credit Fair different and why they are able to give credit to customers that banks usually wouldn’t. We explore how to go about building alternative credit risk models, how to manage late payments and loan defaults to minimize risk of non payment and finally deep dive on his mindset as a founder and entrepreneur of a FinTech that has hit profitability. If you enjoy this Purpose Driven FinTech pod, please subscribe in YouTube, follow and leave a 5 star rating on Spotify and a review on Apple podcasts. Remember to connect in LinkedIn to keep the conversation going. Let’s dive into it! 👉 You can find Aditya here https://www.linkedin.com/in/adityadamani/https://www.linkedin.com/company/credit-fair/https://www.creditfair.in/ 👉 And you can find Monica here: https://www.linkedin.com/in/monicamillares/https://www.youtube.com/@moni_millareshttps://www.tiktok.com/@moni_millareshttps://moni-millares.mystrikingly.com/ If you enjoy this pod, please follow and leave a 5 star rating on Spotify and a review on Apple podcasts — Production and marketing by Monica Millares. For inquiries about being in the show, coaching, consulting, creative collabs, sponsoring the podcast or creating or editing your podcast email fintechwithmoni@gmail.com Disclaimer: 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.

In today’s episode Shameer Sachdev, Founder & MD at Growth Gorilla, shares with us his hypothesis on why he thought he could win by adding value no else did at the time in FinTech, the power of diversity when building Purposeful FinTechs, how Growth Gorilla is having impact in millions of customers - despite not having a Financial Services offering, and the one thing we can do as FinTechers to have 10x results in solving for financial stress. After discussing all things impact and purpose deep dive on how we can grow FinTechs during times of turbulence and budget cuts. He shares with us the current key trends and challenges that FinTechs are facing when it comes to scaling and growth, how to craft a bullet proof retention strategy, how influencer marketing and the so called fin-fluencers are here to supercharge your FinTech impact driven by customer demand on financial educational content, and much much more! If you enjoy this Purpose Driven FinTech pod, please subscribe in YouTube, follow and leave a 5 star rating on Spotify and a review on Apple podcasts. Remember to connect in LinkedIn to keep the conversation going. Let’s dive into it! 👉 You can find Shameer here https://www.linkedin.com/in/shameersachdev/https://www.linkedin.com/company/growthgorilla/https://www.growthgorilla.co.uk/https://www.thefmlpodcast.com/ 👉 And you can find Monica here: https://www.linkedin.com/in/monicamillares/https://www.youtube.com/@moni_millareshttps://www.tiktok.com/@moni_millareshttps://moni-millares.mystrikingly.com/ If you enjoy this pod, please follow and leave a 5 star rating on Spotify and a review on Apple podcasts — Production and marketing by Monica Millares. For inquiries about being in the show, coaching, consulting, creative collabs, sponsoring the podcast or creating or editing your podcast email fintechwithmoni@gmail.com Disclaimer: 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.

In today’s episode I step back to have deep thinking time. I went through key Purpose Driven FinTech episodes and found common threads and insights that allow us to answer the research question — How can FinTechs have better impact? This is not an interview pod, but a Masterclass split in four sections: If you enjoy this Purpose Driven FinTech pod, please subscribe in YouTube, follow and leave a 5 star rating on Spotify and a review on Apple podcasts. Remember to connect in LinkedIn to keep the conversation going. Let’s dive into it! 👉 You can find Monica here: https://www.linkedin.com/in/monicamillares/https://www.youtube.com/@moni_millareshttps://www.tiktok.com/@moni_millareshttps://moni-millares.mystrikingly.com/ If you enjoy this pod, please follow and leave a 5 star rating on Spotify and a review on Apple podcasts Referenced: Simon Clarckson, Founder of Purposecraft https://www.linkedin.com/in/simonclarkson/https://www.podpage.com/purpose-driven-fintech/purposecraft-the-role-of-purpose-in-fintech-and-how-to-craft-a-strategic-purpose-to-create-differen/ Dannielle Haig, Principal Business Psychologist https://www.linkedin.com/in/dannielle-haig/?originalSubdomain=ukhttps://open.spotify.com/episode/5fJ05KwEohvQ1GapaWnK8V — Production and marketing by Monica Millares. For inquiries about being in the show, coaching, consulting, creative collabs, sponsoring the podcast or creating or editing your podcast email fintechwithmoni@gmail.com Disclaimer: 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.

In today’s episode Paolo Sironi shares with us in plain English the findings of his most recent research paper “Global Outlook for Banking and Financial Markets Regenerate Banking with AI” where he surveyed 600 banking executives about how they are working with generative AI. 78% of Financial Institutions are tactically implementing generative AI for at least one use case, which makes AI governance a must-have. We cover how generative AI can transform the banking and financial sectors; why risk, compliance reporting, and client engagement lead the way in AI potential most critical use cases; making financial services accessible; Communication as a service (which is the first time I encounter this concept); skills we need to develop as an industry to adapt and thrive in the world with AI, and of course, a practical framework to manage AI risk and implement successful AI projects. As the global research leader in banking and financial markets at IBM Institute for Business Value, Paolo provides strategic insights and guidance to a network of executives among financial institutions, start-ups, and regulators. He has over 20 years of experience in quantitive risk management, investing, and digital transformation and is one of the most respected fintech voices worldwide, helping shape the future of the financial services industry. Paolo is also a bestselling author of "Banks and Fintech on Platform Economies", co-host of the Breaking Banks Europe podcast, and a sought-after international speaker. If you enjoy this Purpose Driven FinTech pod, please subscribe in YouTube, follow and leave a 5 star rating on Spotify and a review on Apple podcasts. Remember to connect in LinkedIn to keep the conversation going. Let’s dive into it! 👉 You can find Paolo here https://www.linkedin.com/in/thepsironi/https://www.ibm.com/thought-leadership/institute-business-value/en-us/report/2024-banking-financial-markets-outlookhttps://www.linkedin.com/company/breakingbankseu/https://provoke.fm/show/breaking-banks-europe/ 👉 And you can find Monica here: https://www.linkedin.com/in/monicamillares/https://www.youtube.com/@moni_millareshttps://www.tiktok.com/@moni_millareshttps://moni-millares.mystrikingly.com/ If you enjoy this pod, please follow and leave a 5 star rating on Spotify and a review on Apple podcasts In today’s episode we cover: (0:00) Everyone should be an AI Risk Manger (02:08) The Global Outlook for Banking and Financial Markets report (02:58) Building Purpose-Driven FinTechs (05:36) Understanding the Value of AI in Banking (07:46) The Impact of AI on client engagement and compliance (10:15) Exploring the Use of...

In today’s episode, Amanda Lieu, Director Brand, Product Marketing & Growth at SEON, shares with us the fundamentals of fraud. If you enjoy this Purpose Driven FinTech pod, please subscribe in YouTube, follow and leave a 5 star rating on Spotify and a review on Apple podcasts. Remember to connect in YouTube or LinkedIn to keep the conversation going. Let’s dive into it! 👉 You can find Amanda here https://www.linkedin.com/in/amandalieu/https://www.linkedin.com/company/seon-tech/ 👉 And you can find Monica here: https://www.linkedin.com/in/monicamillares/https://www.youtube.com/@moni_millareshttps://www.tiktok.com/@moni_millareshttps://moni-millares.mystrikingly.com/ If you enjoy this pod, please follow and leave a 5 star rating on Spotify and a review on Apple podcasts — Production and marketing by Monica Millares. For inquiries about being in the show, coaching, consulting, creative collabs, sponsoring the podcast or creating or editing your podcast email fintechwithmoni@gmail.com Disclaimer: 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.

In today’s episode, Norris Koppel, Founder and CEO at Monese, shares his vision of hyper personalization and customer-centric financial services enabled by AI, and becoming 'the bank of the future.' We discuss the impact of AI on the financial industry, understanding the current state of AI in FinTech, concerns regarding its implications, and practical usecases for AI to improve processes, prevent fraud, and offer highly personalized services to customers. Norris talks to us about Monese’s spin off, XYB by Monese, an end-to-end coreless banking platform and his partnership with Google for generative AI. Let’s dive into it! 👉 You can find Norris here https://www.linkedin.com/in/norriskoppel/https://www.linkedin.com/company/monese/https://monese.com/gb/enhttps://www.linkedin.com/company/xyb-ltd/?originalSubdomain=ukhttps://xyb.co/ 👉 And you can find Monica here: https://www.linkedin.com/in/monicamillares/https://www.youtube.com/@moni_millareshttps://www.tiktok.com/@moni_millareshttps://moni-millares.mystrikingly.com/ If you enjoy this Purpose Driven FinTech pod, please subscribe in YouTube, follow and leave a 5 star rating on Spotify and a review on Apple podcasts. Remember to connect in YouTube or LinkedIn to keep the conversation going. In today’s episode we cover: (01:10) The Evolution of Neobanks (04:29) The Journey of Monese (13:18) Hyper-Personalization in Banking (17:39) The Bank of the Future (18:38) Incorporating AI in Banking Operations (25:51) Introducing XYB: The End-to-End Coreless Banking Platform (28:41) Advantages of Coreless Banking (29:42) Real-world Application of Coreless Banking (30:47) The Revolution of Speed in Banking (32:31) Partnership with Google and AI Integration (35:23) The Impact of No-Code Solutions (39:20) The Role of XYB in Hyper-Personalization (45:09) The Importance of Culture in Innovation Monese and XYB by Monese in the Press: XYB Partners with Google Cloud to Bring Generative AI to Coreless Banking PlatformExclusive: HSBC's new fintech app Zing built on Monese's platform

We can not talk about Money without talking about Trust. Since the begining of time customers have trusted financial institutions to look after their hard earned money - or have they not? This is a critical topic for FinTechs — why would customers decide to put their money with new players vs going with established brands? Smooth interface and a nice promise is not good enough. We need to go back to trust. In today’s episode, Kimberley Waldron, Founder at SkyParlour talks to us about Trust. We start with defining trust, followed by how to build trust in FinTech, the role of PR in Trust, the downsides of not building trust and in this hyper social world, the role of Personal Branding and trust. 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 Kimberly here https://www.linkedin.com/in/kimberley-waldron-skyparlour/https://www.linkedin.com/company/skyparlour/https://skyparlour.com/ 👉 And you can find Monica here: https://www.linkedin.com/in/monicamillares/https://www.youtube.com/@moni_millareshttps://www.tiktok.com/@moni_millareshttps://moni-millares.mystrikingly.com/ If you enjoy this pod, please subscribe in YouTube, follow and leave a 5 star rating on Spotify and a review on Apple podcasts In today’s episode we cover: (00:36) Building Trust in FinTech (00:57) The Role of Trust in FinTech (02:13) Building Trust in the FinTech Industry (04:52) Introduction to Sky Parlor (06:56) The Role of PR in Building Trust (09:07) Defining Trust (10:25) Building Trust with Customers (21:18) The Role of Regulators in Building Trust (39:55) The Importance of Building Personal Brands (47:19) The Future of Trust in FinTech — Production and marketing by Monica Millares. For inquiries about coaching, collabs, sponsoring the podcast or creating or editing your podcast email fintechwithmoni@gmail.com Disclaimer: 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, we have a compilation episode with my favorite question. I always ask this question at the end of the episode, which is, Hey, if you were to change one thing in fintech that could have the most impact to customers, colleagues, and investors, what would that be? The immediate response from almost everyone is. That's a tough question, Monica. So today let's hear what our guest had to say in 2023. Here you go! The top 11 from 2023 💥 👉Put customers at the Heart of what you do, not the centre, by Gregor Mowat at Loqbox 👉 Get rid of acronyms to be more inclusive and help people understand. Why would you want your team to be confused?... by Fliss Berridge at Ordo 👉 Change onboarding -- help people understand why this information is being collected and then accept all official IDs available, by David Wachira, PhD at Waya 👉 Acknowledge that FinTechs and Banks are different and with different strengths... then find ways to work better together. 2024 is ready for partnerships! by Ara Abrahamyan at Cognaize 👉Making a positive impact always needs to be at the center and remember we are in business, ask yourself... is this a solution that people want to pay for? by Marijke Koninckx at BankiFi 👉Use open banking, open finance, open data to have a effect on society and economy --> Create the right foundations to remove the big cost barriers of the banking industry of today, by Huw Davies at Ozone API 👉 Really think about customer experience. Deep be care about it, that really makes a difference, by Ken Hart at Snowdrop Solutions 👉 Build products thinking of solving everyday customer problems, by Iliana de Silva at techreo 👉 When selecting partners, create efficient due diligence procedures to evaluate the best fit, key word, efficient, by

We can't talk about FinTech, startups, and entrepreneurship without talking about failure, the tough times, mistakes and all the difficult things in life. Today's episode is a compilation episode for one of my favourite mindset questions Thank you for all our wonderful guests who have been in the Purpose Driven FinTech pod throughout 2023 👉Svitlanka Sergiichuk Romaniuk at Neofin solutions 👉Monica Eaton at Chargebacks911 👉Tony CraddocK at The Payments Association 👉Shalom Ben Or at Avenews 👉Barry Levett at Mypinpad 👉Lauren Jones at Open Banking Exchange 👉Delphine Emenyonu at ScribePay 👉Jas Shah bitsul 👉Sarah King Obu 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! 👉 And you can find Monica here: https://www.linkedin.com/in/monicamillares/https://www.youtube.com/@moni_millareshttps://www.tiktok.com/@moni_millareshttps://moni-millares.mystrikingly.com/ If you enjoy this pod, please follow and leave a 5 star rating on Spotify and a review on Apple podcasts — Production and marketing by Monica Millares. For inquiries about coaching, collabs, sponsoring the podcast or creating or editing your podcast email fintechwithmoni@gmail.com Disclaimer: 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.

Shameer, host of “The FinTech Marketers and Leaders Podcast”, goes extensively through my career journey, my trajectory within BigPay, my thoughts and advice on Product leadership and growth, improving communication between marketing and product teams, diversity of thought, inclusion and mentorship, and much more. We cover: 👉Product leadership and growth in FinTech 👉Managing growth and product development 👉Diversity and inclusion in FinTech leadership 👉Diversity and mentorship in the workplace 👉Career development, mentorship, and self-promotion 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 The FinTech Marketers and Leaders Podcast here: https://www.thefmlpodcast.com/ 👉 And you can find Monica here: https://www.linkedin.com/in/monicamillares/ https://www.youtube.com/@moni_millares https://www.tiktok.com/@moni_millares 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 podcasts — For inquiries about coaching, collabs, sponsoring the podcast or creating or editing your podcast email fintechwithmoni@gmail.com Disclaimer: 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. This episode was first released in November 2023 at the FinTech Marketers and Leaders Podcast here - https://open.spotify.com/episode/4xjPos33iQxwM7eyjUa6Mz

This is raw and personal. Vivek Ishwar and Abin Shetty, host of “All Immigrant Podcast”, interview me on my over 15 year journey living away from home. We go back in time on the why I decided to move out of Mexico in the first place, the personal challenges of being an Immigrant, work in Corporate vs Startup, the evolution of my own podcast, advice for Aspiring Entrepreneurs in FinTech 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 Vivek and Abin here: 👉 And you can find Monica here: https://www.linkedin.com/in/monicamillares/ https://www.youtube.com/@moni_millares https://www.tiktok.com/@moni_millares 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 podcasts — For inquiries about coaching, collabs, sponsoring the podcast or creating or editing your podcast email fintechwithmoni@gmail.com Disclaimer: 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. This episode was first released in October 2023 at the All Immigrant Podcast here - https://open.spotify.com/episode/3DsvyNFktlBp3hHON83F3g

Aamna Hussain, host of “A girl in the product world”, interviews me with her somewhat tricksy questions…. We worked together in Tandem Bank, while she worked with one of our Tech Partners back then, so she brings this perspective of seeing us grow the bank from scratch. She queries me on our culture in Tandem Bank, how was it actually working with our Tandem CEO. As a curious product leader she is, she then gets deeper into my mind to understand the real journey on how come I ended up moving to Malaysia to help launch and grow BigPay. We explore the FinTech trends (at the time of recording), how to go about Market Expansion, and how to challenge your CEO when you believe what we are about to do is not the right thing. We share a passion for personal development, so she asked about my “worst day in this crazy financial services world”, how did I overcome it, and why mentoring is so important to me. 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 Aamna here https://www.linkedin.com/in/aamna-hussain-7981a677/ https://open.spotify.com/show/62HPd4JRR85Sofut4Z2Rck 👉 And you can find Monica here: https://www.linkedin.com/in/monicamillares/ https://www.youtube.com/@moni_millares https://www.tiktok.com/@moni_millares 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 podcasts — For inquiries about coaching, collabs, sponsoring the podcast or creating or editing your podcast email fintechwithmoni@gmail.com Disclaimer: 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. This episode was first released in June 2023 at A Girl in the Product World Podcast here - https://open.spotify.com/show/62HPd4JRR85Sofut4Z2Rck

This week I'm on the hot seat! Danny Levy, Managing Director Asia & ANZ at Money20/20 invited me to his pod "Digital Transformation and Leadership". We start with a quick intro and icebreaker questions, the work we are doing at Big Pay and we then deep dive into talking about money! We discuss how to bridge the gap and get people to open up about their financial struggles, the challenges I see with the unbanked, and close off with advice to people who are just starting out in the Fintech industry 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 Danny here https://www.linkedin.com/in/danny-levy/https://www.linkedin.com/company/digital-transformation-leadership-podcast/posts/?feedView=allhttps://open.spotify.com/show/4NSxmkUKynXRQZZulbPalG 👉 And you can find Monica here: https://www.linkedin.com/in/monicamillares/https://www.youtube.com/@moni_millareshttps://www.tiktok.com/@moni_millareshttps://moni-millares.mystrikingly.com/ If you enjoy this pod, please follow and leave a 5 star rating on Spotify and a review on Apple podcasts — For inquiries about coaching, collabs, sponsoring the podcast or creating or editing your podcast email fintechwithmoni@gmail.com Disclaimer: 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. This episode was first released in May 2023 at Digital Transformation & Leadership Podcast with Danny Levy - https://open.spotify.com/episode/1xSarHexfLY8GSpmNcCKwj

Being an immigrant in the US comes with financial challenges, starting with struggles to open a bank account. This is a 44 Million problem with 13% of US population classified as immigrants, and contributing to 22% of US GDP - that’s USD 3.9Trillion per year. In today’s episode, Dr David Wachira, CEO & Co-Founder at Waya, talks to us about this customer problem statement and how Waya is being part of the solution. We explore how to create purpose driven FinTechs to create more impact, the biggest challenges immigrants have accessing financial services in the US. Waya’s customer segments ranging from students, workers, minorities and professionals, solving for financial inclusion, requirements for illegal immigrants to open a bank account, and how marketing efforts to reach out to immigrants is different from your traditional FinTech. 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 Dr David here https://www.linkedin.com/in/david-wachira/https://www.linkedin.com/company/wayapay/https://getwaya.com/ 👉 And you can find Monica here: https://www.linkedin.com/in/monicamillares/https://www.youtube.com/@moni_millareshttps://www.tiktok.com/@moni_millareshttps://moni-millares.mystrikingly.com/ If you enjoy this pod, please follow and leave a 5 star rating on Spotify and a review on Apple podcasts We cover: (01:05) The Role of Fintechs in Society (05:43) The Challenges of Immigrants in the U.S. (07:11) The Importance of Financial Access (08:19) The Journey of Immigrants in the U.S. (09:00) The Role of Waya in assisting immigrants (14:42) The Size and Impact of the Immigrant Population in the U.S. (18:17) The Challenges Immigrants Face in Accessing Financial Services (20:41) The Possibility for Illegal Immigrants to Open Bank Accounts (24:18) The Importance of Financial Education and Literacy (27:19) Overcoming Fear as an Immigrant (28:23) The Reality of Deportation and Living in Fear (30:10) Understanding the Struggles of Immigrants (31:00) Defining Financial Inclusion (32:09) The Impact of Financial Exclusion (36:56) The Role of Fintech in Financial Inclusion (43:27) The Power of Word of Mouth in Community Outreach (44:30) The Importance of Trust in Building a Fintech Brand (49:07) The Potential Change in the Fintech Industry — Production and marketing by Monica Millares. For inquiries about coaching, collabs, sponsoring the podcast or creating or editing your podcast email fintechwithmoni@gmail.com Disclaimer: This episode does not constitute professional nor financial advice and

Financial Inclusion means reaching out to customers who are by definition not very digital savvy, so how do we do it in the age of digital banks? … A hybrid partnership approach seems to work as a solution! In today’s episode Iliana de Silva, CEO and Co-Founder at Techreo brings her perspectives on financial inclusion, financial wellbeing, and how Techreo is actually reaching the unbanked in Mexico with a Bank Partnership model. 60% of Mexicans do not have access to a bank account, and social media and referral rewards won’t be enough to include them, we need a different approach and Iliana and the Techreo team bring a sustainable solution! 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 Iliana here https://www.linkedin.com/in/ilianadesilva/https://www.linkedin.com/company/techreomx/https://techreo.mx/ 👉 And you can find Monica here: https://www.linkedin.com/in/monicamillares/https://www.youtube.com/@moni_millareshttps://www.tiktok.com/@moni_millareshttps://moni-millares.mystrikingly.com/ We cover: (01:56) Understanding the Customer's Needs (03:34) The Journey of Tecreo (08:29) The Underbanked Population (12:05) The Role of Women in Financial Inclusion (17:26) The Challenges of Financial Inclusion (20:32) The Success of Tecreo (24:40) Planning for the Future (34:50) The Experience of Fundraising as a Female Founder (38:39) The Importance of Customer-Centric Product Development — Production and marketing by Monica Millares. For inquiries about coaching, collabs, sponsoring the podcast or creating or editing your podcast email fintechwithmoni@gmail.com Disclaimer: 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.

Incorporating AI in your tech stack is a digital transformation project among both big banks and FinTechs. To do it well it’s important first we understand the challenges of both digital transformation and AI. In today’s episode Ara Abrahamyan shares with us his wealth of experience working in digital transformation projects in the largest banks in Europe and his experience working in the AI space in Financial Services. We discuss how the DNA of FinTechs and incumbent banks are different, his fascinating career journey, how to breach the world between innovative tech, while still being able to stay in line and constraints with their priorities and pressure from investors, the struggles of implementing modern technology, and the role of culture in digital transformation. We then move on to AI. We discuss the biggest challenges when adopting AI, what to take into account to create an AI strategy, How Cognaize is helping Financial Services companies and the concept of “hybrid Intelligence” which is part of Cognaize’s proposition. Ara is a Board Advisor at Ameriabank, an innovative bank in Armenia, and at Cognaize and AI FinTech. 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 Ara here https://www.linkedin.com/in/araabrahamyan/https://www.linkedin.com/company/cognaize/https://www.cognaize.com/https://www.linkedin.com/company/ameriabank-cjsc/https://ameriabank.am/ 👉 And you can find Monica here: https://www.linkedin.com/in/monicamillares/https://www.youtube.com/@moni_millareshttps://www.tiktok.com/@moni_millareshttps://moni-millares.mystrikingly.com/ We cover: (01:25) Discussion on Purposeful Fintechs (04:52) Ara's Career Journey (09:10) Role of Purpose in AmeriBank and Cognize (12:10) Challenges in Implementing Digital Transformation (23:56) Introduction to Cognize (25:39) Challenges in Adopting AI Technologies (29:46) Planning AI Strategy (34:25) Impact of AI in Building Purpose-Driven Fintechs — Production and marketing by Monica Millares. For inquiries about coaching, collabs, sponsoring the podcast or creating or editing your podcast email fintechwithmoni@gmail.com Disclaimer: 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...