FINTECHTALK

HI FINTECHTALKERS, (follow me on Twitter (X) for lively discussions on these topics @PADDYRAMANATHAN ), I sat down with Frank Desvignes, founding partner of True Global Ventures (or TGV) 4 Plus. We talked about the unique approach of TGV in the venture capital landscape, their global footprint with local presence in all major theatres, and the recently concluded AI startup competition they recentl...

Hi FINTECHTALKERS, (These opinions are mine and not of the guests of my show) It is commonly accepted wisdom in Silicon Valley that venture capital (VC) portfolio, especially early stage, follow the power law and not the normal distribution - a small number of investments make huge returns whereas a large number don’t even return the invested capital. Given this reality, venture capitalists focus...

Hi FINTECHTALKERS, (follow me on Twitter (X)) for real-time discussions on these topics @PADDYRAMANATHAN ), I sat down with Deep Varma, CTO of Alkami (0-41.20) to talk about Digital Banking Solutions and separately with my good friend Booshan Rengachari, CEO of Finzly (41.30-1.13) to talk about Finzly’s BankOS and how he plans to incorporate AI/GenAI. You don’t want to miss the insights of these t...

Hi FINTECHTALKERS, (follow me on Twitter (X)) for lively discussions on these topics @PADDYRAMANATHAN ), I sat down with Ram Palaniappan, CEO of Earnin, a company that allows workers to access their pay instantly. Lot of folks in the industry like to talk about financial inclusion as it is good for the brand, Palaniappan and Earnin are the real deal. Palaniappan has built a very sucessfull main st...

HI FINTECHTALKERS, (follow me on Twitter (X) for lively discussions on these topics @PADDYRAMANATHAN ), Happy New Year! I sat down with Zor Gorelov, CEO of Kasisto, a pioneer in AI. We cover a lot of topics from Artificial Financial Intelligence (AFI before AGI) that Zor passionately talks about, how domain-specific models can win over general-purpose LLMs, and how those capabilities will provide...

HI FINTECHTALKERS, (follow me on Twitter (X) for lively discussions on these topics @PADDYRAMANATHAN ), I sat down with David Nohe, CEO of Fingoal, a Fintel Startup creating hyperpersonalization, and Leslie Gillin, Chief Growth Officer at Pagaya another innovative company applying AI in financial services in credit decisions and financial inclusion. Subscribe to tune into my conversation with Zor...

HI FINTECHTALKERS, (follow me on Twitter (X) for lively discussions on these topics @PADDYRAMANATHAN ), I sat down with Ian Horne, author of Why DeFI Matters to discuss his book. This was recorded on the sidelines of Money2020. We talk about how DeFI changes to the financial system factor whereas fintech is essentially a distribution innovation, and how Web3 fundamentally changes the business mode...

HI FINTECHTALKERS, (follow me on Twitter (X) for lively discussions on these topics @PADDYRAMANATHAN ), I sat down with William Capuzzi, CEO of Apex Fintech Solutions (also a board member at DTCC and a prolific investor) on the sidelines of the Money20/20 show this week in Las Vegas. We covered a lot of topics including why Bill challenges himself to run triathlons, what is his mission at Apex, an...

HI FINTECHTALKERS, ( follow me on Twitter for lively discussions on these topics @PADDYRAMANATHAN ) Three years ago, in January 2020, we published our top 10 predictions for the decade below. So we wanted to follow up to see where the puck has been and where it will be. Multi-modal AI, which includes text-to-image and text-to-audio capabilities, has arrived, as has quantum computing for cyber-secu...

HI FINTECHTALKERS, This is one of the recordings from the sidelines of Money 2020 earlier this fall in Vegas. It was great to be back at this high energy show sometime back when FTX was just a TLA known to a few. There were several broad themes at the show. Here are my top takeaways. * Modernization of Infrastructure - Digital platforms like Smart Card, BaaS/Embedded Finance, neoCore platforms, an...

HI FINTECHTALKERS, I was at Money 2020 in Vegas. It was great to be back at this high energy show, antithetical in some sense to the Vegas cliché - what happens in Money 2020 is talked about all over the fintech world . There were several broad themes at the show. Here are my top takeaways. * Modernization of Infrastructure - Digital platforms like Smart Card, BaaS/Embedded Finance, neoCore platfo...

HI FINTECHTALKERS, It has been a while. I had some personal situations over summer and beyond for an extended time. Just getting back into rhythm. I sat down a few weeks back with Devon Kinkead (CEO of Micronotes), Patrick Reilly (CEO of Verde International), Naushad Contractor (CEO of Fable Fintech) to talk all things about data, AI/ML in financial services and the still evolving space of cross-b...

HI FINTECHTALKERS, I sat down with Shamir Karkal (CEO of SilaMoney), Brion Bonkowski (CEO & Founder at Tern) to talk about Fintech, the Equity/Crypto market correction, and the future. We covered a lot of ground and in order to make it easy to navigate the podcast, I have included a table of timestamps and our infographic view of the Payment value chain along with Fintech Elder recap of the podcas...

HI FINTECHTALKERS, I sat down with Ram Subramaniam (CEO of Guardianlink.io), Prakash Somosundram (CEO of Enjinstarter.com), and Matthew Gunnin (CEO of eSports.one) to talk about all things Metaverse, the rise of the immersive web, NFTs, Digital Assets and more. We covered a lot of ground and in order to make it easy to navigate the podcast, I have included a table of timestamps. Metaverse represen...

HI FINTECHTALKERS, I sat down with Morgan McKenney, the CEO of Provenance Blockchain Foundation to talk about all things Blockchain, the future of DeFI, and how Provenance and Figure are driving innovation in all domains of financial services - Lending, Payments, Capital Markets. We covered a lot of ground and in order to make it easy to navigate the podcast here is a table of timestamps. 0.10-0.5...

Recording of The FINTECHTALK™ Show on Clubhouse on Nov 18th, 2021. EPILOGUE To join iValley as it sculpts (build, write, and talk) the future of fintech and crypto economy click  here . Connect with us! iValley Innovation Center 11040 Bollinger Canyon Rd, E-909San Ramon, CA 94582,The United States. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonu...

Recording of The FINTECHTALK™ Show on Clubhouse on Oct 13th, 2021. Connect with us! iValley Innovation Center 11040 Bollinger Canyon Rd, E-909San Ramon, CA 94582,The United States. Phone: +1 925-575-7832 This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit substack.fintechtalk.ivalley.co/subscribe

Recording of the FINTECHTALK(TM) Show on Clubhouse on Aug 25th, 2021. Connect with us! iValley Innovation Center 11040 Bollinger Canyon Rd, E-909San Ramon, CA 94582,The United States. Phone: +1 925-575-7832 This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit substack.fintechtalk.ivalley.co/subscribe

Small is Beautiful: Where Challenger Banks and Fintechs Really Score I was in a philosophical mood when I checked in to a Fintechtalk session on Clubhouse on July 28.  Why, I asked no one in particular, did the word “success” seem to invariably suggest terms like “large deal”, “double digit growth”, “enterprise solutions” and so on. “Does that imply that to be small is somehow not as cool?” I wond...