Monica Millares

Purpose Driven FinTech

Business EN ↓ 89 episodes

Welcome to Purpose Driven FinTech! I'm your host, Monica Millares - Product Leader and fellow FinTecher. These days, with the rising cost of living, financial stress among customers, loss of trust in banks, speculation of crypto, and uncertainty, we're facing unprecedented challenges. But there is hope. We as FinTechers have the power to make a positive impact. Our products, the how we do product, and our people can make a difference on customers’ financial lives - and as a result, in the quality of their lives. However, more than ever Founders, CEOs, Leadership teams and all FinTechers have a...

Author

Monica Millares

Category

Business

Podcast website

www.podpage.com

Latest episode

Jun 22, 2026

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Episodes

Agentic Payments: The Questions the Industry Needs to Answer Before Scaling | Robert Kraal, Co-Founder at Silverflow 22.06.2026

Everyone is talking about Agentic Payments! So I sat down with Robert Kraal, Co-Founder of Silverflow, live at Money20/20 Asia and we had a chat. Robert brings a commercial perspective to the conversation, and we focus on the what are the hard commercial questions the industry still needs to answer before agentic payments can truly scale. We cover: (00:00) Is the card system ready for agents? (01:...

You Can't Beat Wise on FX. So Now You Partner With Them | Samarth Bansal, General Manager at Wise Platform 09.06.2026

If you can't beat Wise on FX, and reality is most fintechs can't; then the smarter move is to partner with them. Let’s go into the why! In this episode recorded live at Money20/20 Asia, I speak with Samarth Bansal, General Manager at Wise Platform. We go behind the scenes and I ask the questions I’ve always had hypothetical answers to. For years my mandate as a Neobank Product leader was to beat W...

55X in 12 Months: The Clearing and Settlement Layer No One Is Rebuilding Till Now | George Davis, CEO and Co Foudner of Lorum 21.05.2026

Most fintechs treat cross border payments as a cost centre. George Davis built a business that treats it as the $100B infrastructure opportunity nobody else is rebuilding, and grew 55X in 12 months doing it. In this episode I speak with George Davis, Co-Founder and CEO of Lorum, a global clearing and settlement infrastructure business serving financial institutions across the Middle East, Europe,...

Who is Liable in Agentic Payments? The Question the Industry Can't Answer Yet | Camilla Bullock, CEO of Emerging Payments Association Asia 14.05.2026

AI agents are about to start spending our money, and we as a payments industry are not ready. I love this episode as it’s recorded live at Money2020’s famous MoneyPot podcast booth! Yea the fancy, cool one LOL Today I’m joined by Camilla Bullock, CEO of Emerging Payments Association Asia, and we unpack one of the most pressing questions in FinTech right now: when an AI agent transacts on your beha...

Trust Is the New Security: The AI & Quantum Threat Reshaping Finance by 2029 | Maxwell Denega, Founder & CEO of Quantum Chain 11.05.2026

The encryption protecting banks was built 50 years ago, and quantum computing is about to break it. In this pod I sit down with Maxwell, Founder and CEO of Quantum Chain, to unpack why AI and quantum computing together represent the biggest untold threat to global financial security, and what FinTech leaders need to do about it before 2029. Why 50 year old encryption is no longer sufficient to pro...

Why Neofin Killed Its Niche and Rebuilt From Scratch. And What They're Launching Next | Svitlanka Sergiichuka, CEO & Co-Founder, Neofin 08.05.2026

Recorded live at Money20/20 Bangkok, 2026 The FinTech infrastructure race isn't just about payments anymore. Neofin has spent three years rebuilding from a geo-agnostic lending tool into a full financial super app engine; and the businesses buying in aren't banks. They're retailers, telcos, and gas station networks. In this short conversation recorded live at Money2020, I catch up with Svitlanka,...

From Roaming Fees to Retention Engine: The Telecom Layer Your Neobank Is Missing | Vince Vissers Co-Founder at Fristy 07.05.2026

Recorded live at Money20/20 Bangkok, 2026 What if the next big embedded finance opportunity isn't payments or lending, but connectivity? In this live conversation from Money20/20 Bangkok I sit down with Vince, Co-Founder of Fristy, to unpack why the world's leading neobanks and super apps are quietly embedding telecom into their product stack. Fristy is building what Stripe did for payments and Wi...

The $443 Billion AI Lending Bias: Why 65% of Good Customers Get Declined | Carla Canino, Founder and CEO Kindlee 20.02.2026

In this pod,Carla Canino, CEO of Kindlee AI, shares with us how AI bias is costing lenders $443 billion annually and what financial institutions can do about it. Key highlights: • 65% of loan declines are actually creditworthy customers being misclassified by biased AI models • Traditional lending models ignore 23% disabled, 20% elderly, and 22% neurodiverse populations • Small banks waste $4-5M a...

From 36 Cents To 32 Cents: The Growing Gender Wealth Gap No One Talks About | Kristine Beese, Founder and CEO of Untangle Money 24.11.2025

The retirement crisis is a women's crisis - and the numbers are shocking! For every dollar men have in wealth, women have just 32 cents. Even worse? That gap is growing, not shrinking. In this episode, I speak with Kristine Beese, Founder and CEO of Untangle Money, about the alarming wealth gap affecting women and why traditional financial services aren't designed for our needs. Kristine shares po...

How To Get Into Home Ownership With Just 1% Down (No Mortgage Required) | Chris Smith, Founder and CEO at Bloxxs 19.11.2025

What if home ownership could start with just 1% down and you could build equity without taking on any debt? This revolutionary approach is transforming how people achieve the dream of owning their own home. In this episode, I speak with Chris Smith, Founder and CEO at Bloxxs. We explore an alternative to traditional mortgages that's opening doors for people who thought home ownership was out of re...

The Future of SMB Banking: AI, Automation, and Financial Intelligence | Akhil Nigam, CoFounder at Finmo, 06.11.2025

In this episode, I speak with Akhil Nigam, CoFounder at Finmo, and we answer the critical question: How can global businesses transform their fragmented treasury operations into unified, intelligent systems that drive growth? He shares insights on why SMEs deserve better treasury solutions, how real-time payment rails are transforming cash management, and why MO AI is becoming the intelligent co-p...

How To Actually Protect Your Crypto Users: 79% of Users Demand This Crypto Feature | Anthony Yeung, Chief Commercial Officer at CoinCover, 22.10.2025

Trust remains the biggest barrier to crypto adoption. Security breaches, lost access, and the fear of irreversible mistakes keep 79% of users demanding better protection before they'll fully commit to crypto. In this episode, I speak with Anthony Yeung, Chief Commercial Officer at CoinCover, the leader in digital asset protection, and we answer the critical question: How can FinTechs build crypto...

Solving Wealth Management for MENA Henrys: Why Sharia-Compliant Investment Platforms Matter | Ziad Mabsout, Co-Founder & CEO at Vennre 02.10.2025

The MENA region presents a massive opportunity for growth: The High Earners, Not Rich Yet (HENRY's). In this episode, I speak with Ziad Mabsout, Co-Founder & CEO at Vennre, about building investment platforms specifically for the Henry segment in MENA and why Sharia-compliant solutions are an unlock. Ziad shares his journey from getting rejected for a $50K investment to building a fintech that...

What Separates Sustainable Neobanks From Those That Fail To Reach Profitability? | Brian Muse-McKenney, CRO at Episode Six 22.07.2025

With 400 Neobanks globally raising $300 billion but only a few achieving profitability, the industry faces a critical question about sustainable business models. In this episode, I speak with Brian Muse-McKenney, Chief Revenue Officer at Episode Six, and we answer the big question: What separates sustainable Neobanks from those that fail to reach profitability? Brian brings deep expertise from ove...

How Neobanks Can Use Bitcoin & Stablecoins for Competitive Advantage | Richard Green, RootstockLabs 20.06.2025

Neobanks are struggling with differentiation, rising costs, and intense competition - but what if Bitcoin and stablecoin infrastructure could be your competitive advantage? In this episode, I speak with Richard Green, Director of Ecosystem and Rootstock Institutional at RootstockLabs, the largest and longest-running Bitcoin sidechain, and we answer the big question: How can neobanks strategically...

How AI-Powered FinTech is Solving the £4B UK Energy Debt Crisis | Fliss Berridge & James Sharpe 16.04.2025

In today's episode, we explore how innovative fintech partnerships are tackling the UK's massive £4 billion energy debt crisis through compassionate collections and flexible payment solutions. I speak with Fliss Berridge, UK Managing Director and Co-Founder at Ordo, and James Sharpe, Sales Director, Digital Native Business at Eviden. We talk about their groundbreaking partnership creating an intel...

A Conversation About Rebuilding Trust in Digital Assets | Natalya Thakur and Kevin Hoang 08.04.2025

In this episode, I speak with Natalya Thakur , CEO of Knova, and Kevin Hoang Founder of EQ Exchange (EQX) , two innovative founders who are tackling the fundamental issue of trust in the digital assets space 🔑 Key Highlights: How EQX aims to become the first company in the world to disclose financial statements in real-time The critical difference between "compiled" vs "generated" financial state...

The Bold Move: How I went from Banking to Building FinTech Startups | Monica Millares, CPO at BigPay & Purpose Driven FinTech Podcast Host 24.03.2025

The financial industry is transforming rapidly, with traditional banking giving way to innovative FinTech solutions that are reshaping how people interact with money worldwide. In this solo episode, I share my personal journey from traditional banking to building FinTech startups and products across multiple continents, revealing the challenges, insights, and transformational lessons learned along...

Breaking the Rules of Banking: Why LATAM Needs Infinite Adaptation | Maria Mancuso & Ray Ruga, Co-Founders FinTech Americas 22.02.2025

FinTech LaTam is booming; but it's not just just about digital transformation - we have the power to transform the region, but to do so, we must do a paradigm shift and focus on infinite adaptation and human-centered innovation. In this episode, I speak with Maria and Ray from FinTech Americas, who share powerful insights about LaTam, building trust in financial services, driving true financial in...

How To Grow Customer Acquisition Without a Big Marketing Budget in 2025 | Araminta Robertson, Founder Mint Studios 08.02.2025

We live in a world where marketing acquisition budgets are tight and we have a ton of pressure to deliver growth! - as a result content marketing has emerged as a powerful strategy for FinTech growth. In this episode, I speak with Araminta Robertson, Founder of Mint Studios, and we answer the big question: How to leverage content marketing effectively in the FinTech space? Araminta brings deep exp...

How Product Managers Can Use AI To Build Better Products | Jas Shah, Founder Bitsul and Product Consultant 06.02.2025

We all wonder how to incorporate AI into our workflows! Soo I've recorded as special episode on AI in FinTech Product Development! Join me with Jas Shah, founder of Bitsul, and 3rd time guest in the show as we dive deep into how AI can streamline innovation and create more purpose-driven fintechs. We take a very practical approach so you'll learn frameworks for implementing AI, from automating adm...

Future-Proof Your FinTech: Why Your 2030 Customer Won't Be Human | Pawel Stezycki, Principal Consultant at Spyrosoft 31.01.2025

The AI revolution in FinTech is happening faster than you think! This week I speak with Pawel to explore how AI is transforming financial services and what it means for product leaders. From beating competitors with limited resources to preparing for a future where your customers might be AI copilots - this episode is packed with actionable insights for FinTech leaders who want to stay ahead of th...

Understanding DORA's Impact: Your Fintech's Partners Could Be Your Biggest Risk | Wayne Scott, Regulatory Compliance Lead at Escode 21.01.2025

DORA is here and if you are a FinTech in Europe you MUST listen to this conversation! DORA is the Digital Operational Resilience Act that is effective from 17th Jan, 2025; and will affect all FinTech partners – yes it’s a biggy one; potentially bigger than GDPR! In this pod I speak with Wayne Scott, Regulatory Compliance Solutions Lead at Escode. Wayne brings his extensive global regulatory expert...

Building Trust in the Metaverse: A Strategy Playbook for FinTech | Victoria Richardson and David Birch , Authors 11.01.2025

The Metaverse isn't just a GenZ trend -- it's our chance to rebuild financial services with trust at the core! 🔥 Join Victoria Richardson, David Birch and I as they share their findings from their book "Money in the Metaverse". We explore why identity infrastructure must be built differently this time, how native metaverse payments will transform commerce, what it really means to build safe space...

How to build a career you love And be in-demand in 2025 | Monica Millares 11.01.2025

Are you feeling that growing pressure of becoming irrelevant in today's fast-paced FinTech landscape? In this episode, I'm going solo and I'm sharing my battle-tested career development framework - the exact approach that has helped me stay ahead in an industry where yesterday's innovations become tomorrow's table stakes. I'll show you how to transform that fear of irrelevance into your biggest ad...

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