Fintech Impact

In this 129th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Roland Chan, CEO of Find Bob, Find Bob is an online transition platform that enables advisors and firms that employ them to better facilitate their succession planning and better transition their practice to another advisor in order to ensure continuity for them and for and their clients. Episode Highlights: ● 00:51 – Roland Chan explains Find Bob. ● 02:00 – What does the on-boarding experience look like for clients? ● 03:50 – Which types of tools and education do they have for clients? ● 06:44 – What led Roland Chan to start Find Bob? ● 14:50 – Find Bob can compare your practice against others practices and benchmarks. ● 17:12 – What does Find Bob do to facilitate the acquisition? ● 24:02 – What would he change in his business or industry? ● 27:09 – What have been the biggest challenges he has faced? ● 31:54 – What keeps Roland Chan excited each day about his work? 3 Key Points 1. Find Bob provides valuable tools to help agents and advisors discover and better understand what the value of their block is. 2. 83% of financial advisors and agents don’t have a succession plan in place. 3. 90% of financial advisors and agents don’t even have a business continuity plan. Tweetable Quotes: ● “Find Bob, we are the transition management company for the insurance and financial services industry. We help large financial and insurance services enterprises encourage better transition behavior in their distribution networks.” – Roland Chan ● “The first thing that we will actually do, we will work with the enterprise to help them predict which are the advisors or agents that are the highest risk of loss and who has the biggest impact of losses within their network.” – Roland Chan ● “Once you dip below that 30-hour work week, especially if you have a retail wealth block, that is when attrition sets in and you start seeing an accelerated departure of AUM from your block because you are no longer physically present.” – Roland Chan Resources Mentioned: ● Facebook – Jason Pereira’s Facebook ● LinkedIn – Jason Pereira’s LinkedIn ● FintechImpact.co – Website for Fintech Impact ● JasonPereira.ca – Sign up for Jason Pereira’s newsletter  Hosted on Acast. See acast.com/privacy for more information.

In this 128th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Sean Brown, President and CEO of YCharts. YCharts is an online next generation platform for charting and displaying various forms of data in easy-to-use and digestible user-friendly ways.  Episode Highlights: ●     00:42 – Sean Brown explains YCharts.●     01:12 – What is the history of YCharts? ●     02:20 – What led to the evolution further away from the consumer market? ●     03:47 – What is the most popular function that people utilize YCharts for?  ●     04:47 – Sean Brown explains YCharts' value proposition. ●     06:58 – Which other forms of data beyond market data does YCharts offer?  ●     09:00 – What are the primary areas for engagement with YCharts? ●     11:08 – How much customization and flexibility can consumers apply? ●     17:53 – What would Sean Brown change in his business or industry?  ●     18:55 – What have been the biggest challenges Sean Brown has faced?●     23:34 – What keeps him excited each day about his work? 3 Key Points1. YCharts has been tailored-made for wealth advisors and asset managers. 2. People typically spend a lot of time on the YCharts dashboard.  3. YCharts' value proposition is that they make the complex easy and the easy quick.   Tweetable Quotes:●  “YCharts is a cloud-based swish army knife that helps you with two things. One is it helps you with making smarter investment decisions, and number two is, it helps you improve communication.” – Sean Brown ●  “We have about 5,500 total clients right now, about 1,000 of them are retail investors. So, we have not in any way turned our back on the retail market.” – Sean Brown●  “We have a great set of capabilities that is really most relevant to RIAs and broker dealers and to asset management wholesalers, and so those are who we create a product road map for. Those are who we market to.” – Sean Brown Resources Mentioned:● Facebook – Jason Pereira’s Facebook● LinkedIn – Jason Pereira’s LinkedIn● FintechImpact.co – Website for Fintech Impact● JasonPereira.ca – Sign up for Jason Pereira’s newsletter● Linkedin – Sean Brown’s Linkedin● ycharts.com – Website for YCharts Hosted on Acast. See acast.com/privacy for more information.

In this 127th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Andrew D'Souza, Co-Founder and CEO of Clearbanc. Clearbanc is an online lender to businesses that helps them gain access to capital through royalty models that serve as alternatives to lending and venture capital. Episode Highlights: ● 00:42 – Andrew D'Souza explains Clearbanc and the needs that it helps to solve. ● 04:20 – Who much of his time has been spent in just fund-rasing alone. ● 08:57 – What does the lending experience look like? ● 10:50 – Their goal is to fund businesses with less bias. ● 14:11 – What do their offers generally look like? ● 14:58 – Which niches seem to be some of the best fits for Clearbanc? ● 16:16 – What does Clearbanc do to mitigate risk? ● 17:51 – How much do they look at the founders themselves before making a decision? ● 23:17 – How does Clearbanc get their message out there? ● 26:50 – How have their risk models that they have built been holding up? ● 30:05 – How much repeat business are they seeing? ● 32:14 – What would Rob Koyfman change in his business or industry? ● 34:00 – What have been the biggest challenges Rob has faced? ● 35:29 – What keeps him excited each day about his work? 3 Key Points 1. Clearbanc has funded about 2500 businesses globally. 2. Clearbanc has provided over a $1 billion in funding to businesses. 3. Fundraising can take about 3 months and can take about 20% of your time. Tweetable Quotes: ● “Clearbanc, we’re aiming to help more founders access capital across the globe than has ever been possible before, and we do that through non-dilutive revenue share structure.” – Andrew D'Souza ● “We can fund a business to continue to accelerate their online growth in exchange for a fixed portion of revenue until we get our initial revenue back plus a fixed percentage, ranging typically between 6%-12% back.” – Andrew D'Souza ● “Our goal has always been to help founders win, help founders behttps://www.linkedin.com/in/andrewdsouza/?originalSubdomain=ca more successful, tilt that balance of power in favor of founders versus capital providers and banks and other people who may have had different interests.” – Andrew D'Souza Resources Mentioned: ● Facebook – Jason Pereira’s Facebook ● LinkedIn – Jason Pereira’s LinkedIn ● FintechImpact.co – Website for Fintech Impact ● JasonPereira.ca – Sign up for Jason Pereira’s newsletter ● Linkedin – Andrew D’Souza● Clearbanc – Website for Clearbanc  Hosted on Acast. See acast.com/privacy for more information.

In this 126th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Rob Koyfman, Founder and CEO at Koyfin. Koyfin is an online financial data terminal that aggregates data from various data sources like indexes and funds into an easy-to-use interface. Episode Highlights: ● 00:50 – Rob Koyfman explains Koyfin. ● 01:20 – Where did the idea for Koyfin come from and how did it come to be? ● 04:57 – What is the current price to try out the Koyfin platform? ● 06:36 – What will the future premium plans look like? ● 09:44 – What are the innovations and design elements that went into Koyfin? ● 10:27 – How did they go about finding the right blend of data? ● 16:41 – There are several inspiring products that have added influence to Koyfin. ● 21:36 – What were the surprises that occurred along the way while building Koyfin? ● 24:08 – How does the user experience unfold and what has the feedback been? ● 26:31 – What are the most requested featured that they are working on and looking to launch shortly? ● 28:47 – What would Rob Koyfman change in his business or industry? ● 29:55 – What have been the biggest challenges Rob has faced? ● 30:47 – What keeps him excited each day about his work? 3 Key Points 1. The third sections of Koyfin’s value proposition are professional grade data, analytics and tools to turn data into information, and an accessible and intuitive user interface. 2. In the future Koyfin plans to still offer a free version as well as premium versions with more advanced data and functionality. 3. FInancial advisors have been typically using Koyfin for picking stocks, mutual funds, ETFs, creating watchlists, Tweetable Quotes: ● “Koyfin is a financial data and analytics platform and it allows investors to research stocks, ETS, mutual funds, and understand broader macro trends in the marketplace.” – Rob Koyfman ● “Koyfin is currently free. We don't have any advertising on our system.” – Rob Koyfman ● “At the end of the day, consumers and professionals analyze thoughts or analyze the market in very similar ways.” – Rob Koyfman Resources Mentioned: ● Facebook – Jason Pereira’s Facebook ● LinkedIn – Jason Pereira’s LinkedIn ● FintechImpact.co – Website for Fintech Impact ● JasonPereira.ca – Sign up for Jason Pereira’s newsletter ● Linkedin – Rob Koyfman’s Linkedin ● koyfin.com – Website Hosted on Acast. See acast.com/privacy for more information.

In this 125th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Alisha Mawji and Zakir Kanji the founders of AltruWisdom, a light financial planning platform for individuals to understand more about how to better improve their financial lives and also find out back other financial benefits they may be entitled to. Zakir Kanji and Alisha Mawji explain how AltruWisdom works, the value it offers users, and what onboarding looks like. Episode Highlights: ● 00:50 – Alisha Mawji explains AltruWisdom. ● 01:22 – Zakir Kanji shares where the idea of the company came from. ● 03:53 – How does the AltruWisom experience unfold, start to finish? ● 10:06 – What do their more commonly used checklists look like? ● 12:44 – How much human interaction is involved? ● 14:27 – What are people paying when they sign up and who is signing up? ● 16:31 – They discuss the benefits, values, and digitization of AltruWisdom. ● 18:36 – What would they change in their business or industry? ● 19:31 – What have been the biggest challenges they have faced? ● 20:47 – What keeps them excited each day about their work? 3 Key Points 1. When onboarding on AltruWisdom, the four steps you can take are checklists, past story archive, benefit repository, and their document repository where they teach you about the documents. 2. AltruWisom offers a digital filing cabinet system and is passionate about educating users. 3. Their subscription model is currently $9 a month and they have partnered with many start-ups and fintechs. Tweetable Quotes: ● “AltruWisdom is an online platform that provides Canadians with independent financial education and life advice. We have a lot of curated lessons, powerful tools.” – Alisha Mawji ● “AltruWisdom basically aims to get you through life’s unexpected events by sharing the practical wisdom of those that have been there before. We are an online subscription platform. You sign up. You let us know what life events you are going through.” – Alisha Mawji ● “There are a lot of Canadians out there that don’t have such high asset levels, who don’t really get the advice they should be getting. So, we thought in our age, why not use technology to deliver that information to all Canadians, regardless of asset level.” – Zakir Kanji Resources Mentioned: ● Facebook – Jason Pereira’s Facebook ● LinkedIn – Jason Pereira’s LinkedIn ● FintechImpact.co – Website for Fintech Impact ● JasonPereira.ca – Sign up for Jason Pereira’s newsletter ● Linkedin – Zakir Kanji’s● Linkedin – Alisha Mawji’s● altruwisdom.com – Website Hosted on Acast. See acast.com/privacy for more information.

In this 124th episode of ​Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Edmond Walters, CEO and Founder of Apprise Labs, and the original Founder of eMoney. Edmond Walters talks about building both services, how Apprise Labs can be a fun tool for clients and advisors to gage financial plans and how spending impacts them, and integration with Invest Net Connect. Episode Highlights: ● 00:15 – Jason Pereira introduces Edmond Walters. ● 00:37 – Edmond Walters explains what Apprise Labs is. ● 01:20 – He shares his career background. ● 04:28 – What does Apprise Labs do differently than what eMoney did? ● 10:49 – What does the process look like to onboard a client from start to finish? ● 13:01 – What is it like to come up with the final plan using the service? ● 16:24 – Edmond talks about the tools that advisors can utilize. ● 19:02 – How does the income studio differ from the lifestyle studio? ● 20:42 – How does the lifestyle studio function? ● 22:02 – Good trust planning is about doing what is right from the family. ● 25:55 – What does the integration of Invest Net Connect with Apprise Labs add? ● 30:45 – What would Edmond Walters change in his business or industry? ● 32:16 – What have been the biggest challenges that Edmond has faced? ● 33:04 – What has kept Edmond Walters excited about the work he is doing? 3 Key Points 1. The purpose of Apprise Labs is to allow the advisor to show their value. 2. Apprise Labs allows clients to ticker around with it at home to try out various spending scenarios to see how they would affect their financial plan. 3. If your portfolio is producing excess income and it is being taxed, you should reposition some assets. Tweetable Quotes: ● “Apprise is all about the experience, all about the advisor and their client, how they are going to co-create and co-design.” – Edmond Walters ● “If you are going to make the advisor into an ‘anchorman’ and he has to read off a script or a canned presentation, no wonder the client wonders why they are paying a fee.” – Edmond Walters ● (Customers) “They’re actually engaged in making changes as it is being designed, they are actually more forthright in getting the documents and others things you need during the process because they feel it’s their plan they’re creating.” – Edmond Walters Resources Mentioned: ●​ ​Facebook​ – Jason Pereira’s  ●​ ​LinkedIn​ – Jason Pereira’s●​ ​FintechImpact.co​ – Website ● ​JasonPereira.ca​ – Sign up for newsletter ● ​Linkedin​ – Edmond Walters’●​ ​Apprise Labs–​appriselabs.com  Hosted on Acast. See acast.com/privacy for more information.

In this 123rd episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Dr. Daniel Crosby, Founder of Tulip, Chief Behavioral Officer at Brinker Capital, and Best-Selling Author. He is known for figuring out ways to take behavioral finance theory and implement in real life. Dr. Daniel Crosby speaks about his new platform, Tulip which puts that process into action. Episode Highlights: ● 00:16 – Jason Pereira introduces Dr. Daniel Crosby. ● 01:03 – Dr. Daniel Crosby explains what Tulip is. ● 01:53 – He shares his career history. ● 05:33 – Where did he start when tasked with this effort with Tulip? ● 09:01 – How does he account for the advisor buffer with Tulip? ● 11:01 – What are the three forms of risk? ● 15:48 – What does the Tulip user experience look like from start to finish? ● 25:42 – Is there any contextual change with Tulip based on dollar amount? ● 30:14 – How does Tulip deal with a differentiating context of risk? ● 33:22 – What does the output to the advisor look like? ● 37:34 – What would Dr. Daniel Crosby change in his business or industry? ● 38:17 – What have been the biggest challenges that Daniel has faced? ● 39:04 – What has kept Dr. Daniel Crosby excited about the work he is doing? 3 Key Points 1. One of the best predictors of future behavior is past behavior. 2. Tulip looks at past behavior, uses a gamified simulation of 30 years of market history that allows the client to sort of pre-experience what markets are like to try out different decisions within 5-6 minutes. 3. Some data points that Tulip looks at include frequency of inbound contact, how often do they log in, and the gamified simulation itself. Tweetable Quotes: ● “Tulip is a behavioral analytics platform for financial advisors. So, it all operates from the premise that the highest value that a financial advisor adds to her or his clients’ lives comes through behavioral coaching.” – Dr. Daniel Crosby ● “One of the first things you learn as a psychologist is that self-reported behavior is a horrible measure of actual behavior.” – Dr. Daniel Crosby ● “One of the critiques of other measures of risk-taking behavior is that they’ll ask questions in a vacuum, like, ‘if you lost $10,000, would that be a big deal or not?’ If you have $10 million, it is not a very big deal.” – Dr. Daniel Crosby Resources Mentioned: ● Facebook – Jason Pereira’s Facebook ● LinkedIn – Jason Pereira’s LinkedIn ● FintechImpact.co – Website for Fintech Impact ● JasonPereira.ca – Sign up for Jason Pereira’s newsletter ● Linkedin – Dr. Daniel Crosby’s Linkedin ● The Behavioral Investor by Dr. Daniel Crosby – Book by Dr. Daniel Crosby ● The Laws of Wealth by Dr. Daniel Crosby – Book by Dr. Daniel Crosby  Hosted on Acast. See acast.com/privacy for more information.

In this 122nd episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Lisha Davis, Founder of Arable Ventures LLC, an innovation and startup consulting/advisory practice in NYC. Davis is also an investor at 37 Angels, Venture Partner at VU Venture Partners, and Former Head of Innovation at Vanguard. Episode Highlights: ●     00:40 – Lisha Davis introduces herself and her career history. ●     02:28 – Lisha talks about being the Head of Innovation at Vanguard. ●     05:44 – What are some common problems she would come across when                          proposing change at Vanguard?●     07:00 – She talks about staffing talent at Vanguard.  ●     09:00 – What types of projects, categories, and areas she worked to                          improve at Vanguard? ●     15:30 – What drove her transition into her current role? ●     17:47 – She discusses the 37 Angels investment group of women                          investors. ●     21:27 – Women-founded businesses statistically do better in terms of                           growth, traction, and returns. ●     23:44 – What change in her business or industry she would like to see?      ●     25:46 – What has been the biggest challenge that Lisha has faced?●     27:03 – What has kept Lisha Davis excited about the work she is doing?  3 Key Points1. In the innovation space, you have to have a planning mindset. But, there is no fixed plan you are going to execute flawlessly to get to a predetermined outcome.2. Horizons Framework for Innovation is a methodology for the types of innovation that can take place: Horizon 1 is about making the business better/faster/cheaper, Horizon 2 is growth innovation, and Horizon 3 is things that disrupt or create new categories. 3. Generation Z, Generation Y, and Generation Z have an all-time low of mistrust in financial institutions.    Tweetable Quotes:●  “I am interested in identifying the most interesting start-ups to invest in in the early stage, across a variety of verticals, primarily consumer, enterprise SaaS, and within the fintech space.” – Lisha Davis●  “With a lot of success and growth also comes size, operations, policies, procedures, and all of the trappings of what good companies rely on to make their ship run.” – Lisha Davis●  “There is a saying in innovation that we value diversity of the crowd. We actually want people who think differently, have different backgrounds and experiences.” – Lisha Davis Resources Mentioned:● Facebook – Jason Pereira’s Facebook● LinkedIn – Jason Pereira’s LinkedIn● FintechImpact.co – Website for Fintech Impact● JasonPereira.ca – Sign up for Jason Pereira’s newsletter● Linkedin – Lisha Davis’ Linkedin  Hosted on Acast. See acast.com/privacy for more information.

In this 121st episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Daniel P. Simon, Author of the book The Money Hackers. Daniel P. Simon talks about the different founders and companies that have changed the finance world in the last 10 years. Episode Highlights: ● 00:55 – Daniel P. Simon introduces himself. ● 01:47 – How did his book The Money Hackers come to be? ● 03:44 – What was the biggest surprise Daniel came across while writing the book? ● 06:18 – What made his interview subjects different? ● 10:00 – Teaching financial literacy is a difficult thing. ● 14:21 – What was the craziest story he came across while writing the book? ● 16:48 – Daniel talks about the founders of the robo advisors. ● 23:42 – What are the two types of competition according to Daniel? ● 26:14 – Where will the robo movement most likely lead us? ● 27:23 – Daniel tells the story of Green Dot Banking. ● 32:55 – He shares stories about Margaret Keane from Synchrony and Blythe Masters from JPMorgan. ● 36:00 – What would Daniel P. Simon change in his business or industry? ● 40:05 – Was there a commonality to the people he interviewed that they faced a common challenge? ● 44:57 – What kept Daniel P. Simon excited about working on his book every day? 3 Key Points 1. Over 150 entrepreneurs were interviewed for the book The Money Hackers. 2. Typically, if you don’t implement the learnings of financial literacy within a couple months, it is as if you didn’t learn them at all. 3. Steve Streit, the founder of Green Dot Banking, coined the music genre ‘Soft Rock.’ Tweetable Quotes: ● “I’ve spent most of my career on Wall Street. So, I’m a communications guy. I advise, obviously, some of the largest banks and asset managers and trading companies and technology firms in the world.” – Daniel P. Simon ● “If you add up all of the assets of the robo advisors, they are not even 1% of Vanguard.” – Daniel P. Simon ● “More people in this country (USA) own a cellphone than a bank account, and we don’t see it every day. But a vast amount of this population is woefully underserved by the traditional financial industry.” – Daniel P. Simon Resources Mentioned: ● Facebook – Jason Pereira’s Facebook ● LinkedIn – Jason Pereira’s LinkedIn ● FintechImpact.co – Website for Fintech Impact ● JasonPereira.ca – Sign up for Jason Pereira’s newsletter ● DanielPSimon.com – Website for Daniel P Simon ● Linkedin – Daniel P. Simon’s Linkedin ● The Money Hackers – The book The Money Hackers  Hosted on Acast. See acast.com/privacy for more information.

In this 120th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Melika Hope, Head of Product for Small Business and Self-Employed Group at Intuit. Intuit is the world’s largest provider of accounting software. Melika Hope talks about how Intuit has managed to, through customer focus, continuously innovate up it’s product. Episode Highlights: ● 00:48 – Melika Hope explains what Intuit is. ● 02:36 – How did Intuit start and develop to where they are today? ● 03:53 – What does Melika Hope do on a day-to-day basis? ● 05:35 – What are some of the bigger product steps that she has taken with Intuit in recent memory? ● 11:23 – How do they gather information from end-users? ● 14:12 – How do their ideas end up getting implemented? ● 16:00 – Average features get built with speed, typically within weeks or months. ● 17:30 – What types of businesses do they consider as ideal candidates? ● 19:45 – Where do the people at the top put their input? ● 21:33 – What is the cloud adoption rate from the desktop products? ● 23:07 – Where does she feel the challenges are in her position and what goes into product decisions? ● 26:09 – What would Melika Hope change in her business or industry? ● 27:44 – What have been the biggest challenges that Melika has faced? ● 29:12 – What gets Melika Hope excited about her work every day? 3 Key Points 1. After the 10% subsidy for payroll taxes that was announced during COVID-19, her payroll team built out the calculations to support all the complex rules that are associated with that and has released it to market. 2. Cash flow management is such a critical area that small businesses are affected by, especially after COVID-19. 3. To gather data and be customer-centric they use their Follow Me Home component, multiple user sessions, and rapid prototyping. Tweetable Quotes: ● (Intuit) “We produce TurboTax. That is a product we build in Canada and the United States. We have professional tax products and we also have QuickBooks, which is our primary product that serves the small business sector.” – Melika Hope ● (QuickBooks) “It covers a number of different components, automates complex tasks, allows people to work together, it allows users to work anywhere and anytime from the cloud.” – Melika Hope ● “My team covers, within Canada, the QuickBooks online platform, the mobile app, the payments platform, the QuickBooks online payroll product, and the self-employed products.” – Melika Hope Resources Mentioned: ● Facebook – Jason Pereira’s Facebook ● LinkedIn – Jason Pereira’s LinkedIn ● FintechImpact.co – Website for Fintech Impact ● JasonPereira.ca – Sign up for Jason Pereira’s newsletter ● Linkedin – Melika Hope’s ● Intuit – Website for Intuit  Hosted on Acast. See acast.com/privacy for more information.

In this 119th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Alex Lazarow, Venture Capitalist and Investment Director at Cathay Innovation and Author of the book Out-Innovate: How Global Entrepreneurs--from Delhi to Detroit--Are Rewriting the Rules of Silicon Valley. Alex Lazarow talks about how entrepreneurs around the world approach various problems differently in order to achieve success. Episode Highlights: ● 00:24 – Jason Pereira introduces Alex Lazarow. ● 01:21 – Alex Lazarow talks about his book Out Innovate. ● 03:46 – What is a ‘camel’ company? ● 04:58 – Alex talks about what can be learned from Grubhub. ● 06:00 – Alex and Jason talk about the concept of ‘blitz scaling’ and Company types that it is applicable to. ● 09:26 – How many companies did he talk to when writing his book? ● 10:36 – What is going on in North Korea in the fintech scene? ● 12:41 – What is the most unconventional story of how a company grew that Alex heard when writing his book? ● 15:53 – Alex talks about a theme in his book about advantages that emerge from challenges. ● 17:33 – What are recurring themes did Alex notice when working on his Book Out-Innovate? ● 22:29 – North America has a lot of problems that need to be solved by companies with lessons learned from around the world. ● 24:43 – What would Alex Lazarow change in his business or industry? ● 25:34 – What have been the biggest challenges that Alex has faced? ● 27:24 – What kept Alex going and not giving up while writing his book? 3 Key Points 1. Alex Lazarow’s term ‘the camel’ is like the term ‘unicorn,’ but instead it is businesses labeled a ‘real animal’ that can sustain in harshest environments by building a business model that works, managing costs and burn, and by taking a long-term view. 2. Within a context of adversity, there are advantages that come about. 3. The best entrepreneurs are creators, not disruptors. Tweetable Quotes: ● “I work for a firm called Cathay Innovation, a globally-focused venture firm that invests across Asia, Europe, North American, and Africa. But, outside of work, I’ve been teaching an MBA class.” – Alex Lazarow ● “Outside the (Silicon) Valley, I coined the term ‘the camel,’ it is this idea of balanced growth, businesses that still want to grow really fast. But, still infuse their business with sustainability and resilience.” – Alex Lazarow ● (Out-Innovate book) “This is a 2-year effort. I interviewed about 200 entrepreneurs from around the world.” – Alex Lazarow Resources Mentioned: ● Facebook – Jason Pereira’s Facebook ● LinkedIn – Jason Pereira’s LinkedIn ● FintechImpact.co – Website for Fintech Impact ● JasonPereira.ca – Sign up for Jason Pereira’s newsletter ● Linkedin – Alex Lazarow’s Linkedin ● Cathay Innovation – Website for Cathay Innovation ● Out-Innovate – Alex Lazarow’s Book  Hosted on Acast. See acast.com/privacy for more information.

Summary:In this 118th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Matt Alston, COO & Co-Founder at Surex, an online digital insurance broker that caters to home, auto, and various forms of casualty, seeking to digitize the entire consumer experience. Matt Alston explains the origin of Surex, the solutions that it provides to its users, increasing automation to compete long-term, and providing intelligent distribution. Episode Highlights: ● 00:16 – Jason Pereira introduces Matt Alston and what Surex is. ● 00:43 – Matt Alston explains what Surex is and its history. ● 01:54 – What opportunity did Matt see that he needed to take advantage of? ● 03:33 – What exactly does Surex’s app do? ● 04:02 – What does the experience look like when applying for insurance? ● 04:58 – Matt talks about focusing on quote accuracy and working with the carriers they work with. ● 08:27 – What was the experience like with the carrier that embraced Surex the most and ones they convinced? ● 12:41 – How agreeable are carriers in updating their automation and digitizing? ● 16:18 – Matt Alston says that when it comes to disruption, ‘only the paranoid survives.’ ● 20:03 – Companies need to focus on their customers. ● 20:36 – Matt Alston talks about Surex’s artificial intelligence strategies. ● 24:25 – Surex wanted to be viewed by carriers as intelligent distribution. ● 25:50 – Their advisors don’t just sell on price. ● 27:22 – What would Matt Alston change in his business or industry? ● 29:22 – What have been the biggest challenges that Matt has faced? ● 31:24 – What is the most exciting thing that he is working on? 3 Key Points 1. Surex currently covers insurance for primary homeowners, auto insurance, personal auto, tenant & condo, and they are building out landlord insurance covering rental properties, boats, motorcycles, and travel trailers. 2. Surex works with 14 different carriers. 3. 30% of Surex’s back office transactions are automated. They are trying to get that to 85%-90% over the next year. Tweetable Quotes: ● “Surex is a digital brokerage. We operate across Canada. We’re basically nationwide minus Quebec and a couple of the provinces in Atlantic Canada.” – Matt Alston ● “We provide a transparent way for Canadians to be able to quote, compare prices, coverage, and buy online for home and auto insurance.” – Matt Alston ● “If you are quoting, say, one vehicle, one driver, it will take you five minutes to complete your quote and get your offers. Depending on the province you’re in, you will get anywhere from 6-12 different offers for insurance.” – Matt Alston Resources Mentioned: ● Facebook – Jason Pereira’s Facebook ● LinkedIn – Jason Pereira’s LinkedIn ● FintechImpact.co – Website for Fintech Impact ● JasonPereira.ca – Sign up for Jason Pereira’s newsletter ● Linkedin – Matt Alston ● Surex – Website for Surex Hosted on Acast. See acast.com/privacy for more information.

Summary:In this 117th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Dan Doney, CEO of Securrency, a blockchain-enabled tokenization platform that bakes compliance into the actual token. This enables the token to represent the actual asset and simultaneously has rules set around who can participate, what the issuance policies are, and what government regulations come into play. Episode Highlights: ● 00:13 – Jason Pereira introduces Dan Doney and what Securrency is, ● 00:52 – Dan Doney explains Securrency. ● 02:21 – How and why did Securrency get started? ● 08:19 – What is the ideal situation for blockchain tokenization? ● 11:02 – What is happening with the WisdomTree investment in Securrency and innovations in the blockchain space? ● 17:16 – How do liquidity rules apply to Securrency? ● 18:32 – The boundary is only formed by the qualifications of the users and the instruments that they care trading and whether there is a match. ● 19:18 – Jason and Dan talk about securitization of real estate and usership. ● 24:47 – What would Dan Doney change in his business or industry? ● 28:34 – What have been the biggest challenges that Dan has faced? ● 30:30 – What is the most exciting thing that he is working on? 3 Key Points 1. Securrency patented a concept that allows you to flexibly generate an easy user interface to drag-and-drop rule sets so lawyers and regulators can see the frameworks to enforce global securities regulations. 2. Banks spend $240 billion a year on compliance. 3. If a venueless boundary can be created for rules and enforcement of rules, do you really need to have a central location under which the exchange takes place? Tweetable Quotes: ● “We emphasize specifically interoperability and one of our hallmark components is the ability to link existing financial service networks to the blockchain space.” – Dan Doney ● “The tokens know what they are allowed to do and they only allow themselves to participate in transactions between known and qualified parties, regardless of the type of instruments.” – Dan Doney ● “What you want is a global venue where the instrument itself knows what the rules are and it is able to enforce the rules without boundaries, or at least the only boundary is the regulatory framework that applies for the instrument and any participants in the trade.” – Dan Doney Resources Mentioned: ● Facebook – Jason Pereira’s Facebook ● LinkedIn – Jason Pereira’s LinkedIn ● FintechImpact.co – Website for Fintech Impact ● JasonPereira.ca – Sign up for Jason Pereira’s newsletter ● Linkedin – Dan Doney’s● Securrency – Website for Securrency  Hosted on Acast. See acast.com/privacy for more information.

Summary:In this 116th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Giles Sutherland, Managing Director for Growth Markets at Carta. Carta is a provider of underlining payment infrastructure for various players in the market, including many well-known fintechs. Episode Highlights: ● 00:37 – Giles Sutherland defines Carta and what it provides. ● 03:21 – What led the founders of Carta to create it? ● 08:34 – Giles provides some examples of companies that might be recognized that have utilized their service. ● 14:48 – What other sectors of the economy has Carta gone after to support? ● 21:17 – What is Carta’s unique value proposition? ● 25:19: – Why did the company begin its efforts in Europe? ● 31:39 – Platforms are baking in the proper security as necessary. ● 33:52 – Under 10% of process flows are touching a bank. ● 35:18 – It is roughly a 6-year process to upgrade platform systems. ● 37:03 – What would Giles Sutherland change in his business or industry? ● 39:48: – What have been the biggest challenges that Giles has faced? ● 41:45: – What is the most exciting thing that he is working on? 3 Key Points 1. Carta refers to themselves as ‘the engine powering some of these neo-banks or fintechs. 2. Carta’s business model is a service model in an infrastructure play. 3. Banks are spending billions of dollars on their IT and infrastructure. But, three-quarters of it is just going to maintain systems. Tweetable Quotes: ● “The reality is, almost all banks actually outsource the equivalent processing functionality. So, the merchant is outsourcing the processing of that, let’s say, accepting transaction to accept payments or receive payments.” – Giles Sutherland ● “The average consumer though, wouldn’t be aware of the fact that their life savings are in a bank with extinct programming language actually holding it all together.” – Giles Sutherland ● “You’ve got the new guys coming in to disrupt. Great, we want to sell them some technology that can enable them. The banks don’t want to let go quite so easily? No problem. We can use that technology to help banks.” – Giles Sutherland Resources Mentioned: ● Facebook – Jason Pereira’s Facebook ● LinkedIn – Jason Pereira’s LinkedIn ● FintechImpact.co – Website for Fintech Impact ● JasonPereira.ca – Sign up for Jason Pereira’s newsletter ● Linkedin – Giles Sutherland’s ● Carta – Website for Carta Hosted on Acast. See acast.com/privacy for more information.

Summary:In this 115th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews J. Gaston Siri, Chief Executive Officer at SideDrawer and Jamie R. Wolkove, Vice President Sales & Marketing at SideDrawer. SideDrawer is an app and platform based in Toronto, Ontario, Canada that allows you to store all the stuff in your life in one place, not just as pdf files, but with intelligence to drive action and support. Episode Highlights: ● 00:56: – J. Gaston Siri and Jamie R. Wolkove define Sidedrawer and how it got started. ● 05:18: – What is SideDrawer doing to drive engagement with users? ● 07:38: – SideDrawer is implementing feedback that they are getting in the field from users. ● 08:59: – Jason Pereira defines ‘metadata’ and how it works with SideDrawer. ● 09:54: – What types of challenges and pushback have they gotten from people concerned about data security? ● 14:04: – How is the pricing model for SideDrawer laid out? ● 16:10: – How is SideDrawer tackling concerns about data security? ● 21:35: – J. Gaston Siri and Jamie R. Wolkove discuss the information acquisition side of SideDrawer. ● 23:43: – Is SideDrawer looking at using personal financial management tools? ● 28:48: – It is not just up to the end-user to upload all the data it is also on the professional service provider to do as well. ● 29:19: – How do executors get access to a deceased user’s SideDrawer? ● 31:27: – What would they change in their business or industry? ● 32:48: – What has been the biggest challenge to get the company where it is today? ● 33:51: – What is the most exciting thing that they are working on? 3 Key Points 1. Metadata is another point of data surrounding a digital file that is of relevance. 2. SideDrawer can help you save money and protect your assets and your entire portfolio. 3. SideDrawer’s entire production infrastructure online is serverless, making it less susceptible to hacking than other financial institutions. Tweetable Quotes: ● (SideDrawer) “Now you have a place in which you can organize your entire life on a weekly basis, daily basis, monthly basis, whatever the timeframe would be.” – J. Gaston Siri ● “When you look at SideDrawer, not only do you have the organization guardrails that we are giving you to help you organize better. But on top of that, we’re essentially giving you all this ability to load that meta data.” – J. Gaston Siri ● “If we can actually help you identify where you should actually be in terms of the right size in your insurance policies, then that is a benefit that we can give you.” – J. Gaston Siri Resources Mentioned: ● Facebook – Jason Pereira’s ● LinkedIn – Jason Pereira’s ● FintechImpact.co – Fintech Impact ● JasonPereira.ca – Jason Pereira’s newsletter ● Linkedin – J. Gaston Siri’s ● Linkedin – Jamie R. Wolkove’s ● Sidedrawer – Website Sidedrawer Full Transcript Hosted on Acast. See acast.com/privacy for more information.

Summary:In this 114th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Neil Sheehan and Awaad Amir who both work in the roles of Research & Advisory at Celent. Celent is a consultant to large financial and Fortune 500 institutions that deals with how they can better adapt to technological challenges that they are facing. Awaad Amir and Neil Sheehan discuss the uses and developments of voice activation. Episode Highlights: ● 01:15 – Neal Sheehan and Awaad Amir define Celent and how it got started. ● 02:43 – Why was Celent created as an offshoot of Oliver Wyman? ● 04:28 – What kind of developments have they seen arising with voice? ● 08:23 – They discuss some of the obstacles that voice has to overcome still. ● 13:14 – What are some of the use cases for voice? ● 19:22: – How many banks in Canada and the United States are using Virtual assistants? ● 22:50 – Voice accuracy and privacy issues are still not fully resolved. ● 24:53 – What is involved on the backend for delivering the best experience? ● 27:11 – Clean data is crucial to build new initiatives and products. ● 32:53 – Innovation labs are important for banks to create new solutions. ● 35:26 – What would they change in their business or industry? ● 37:17: – What have been the biggest challenges that they face? ● 41:31: – What is the most exciting thing that they are working on? 3 Key Points 1. All the major banks in Canada and the United States are experimenting with voice interactions. 2. We have the legal right to our data and to have it requested in a reasonable amount of time. 3. The industry needs to continue to educate those that use their services. Tweetable Quotes: ● “Celent is a technology research and advisory firm that is a subsidiary of Oliver Wyman, which is a global management consulting firm.” – Awaad Amir ● “We do have a software application on our website that is called VendorMatch where vendors can go on and put their applications on there, put a demo, a white sheet, any type of information on facts on the products.” – Neil Sheehan ● “What is so unique about voice, unlike desktop, mobile computing, it is an interface that the user has to learn. So, the voice kind of flips that around where it is the natural language of the person.” – Awaad Amir Resources Mentioned: ● Facebook – Jason Pereira’s ● LinkedIn – Jason Pereira’s ● FintechImpact.co – Website ● JasonPereira.ca – Jason Pereira’s newsletter ● Linkedin – Neil Sheehan’s ● Linkedin – Awaad Amir’s ● Celent – Website● VendorMatch –Webpage for Celent Hosted on Acast. See acast.com/privacy for more information.

Summary:In this 113th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Zack Brown, Vice President of Sales at Dialogue in Montreal. Dialogue is a telehealth service that enables you to access healthcare right from your smart phone in a fast, user-friendly, and convenient manner. Zack Brown discusses how Dialogue began, how they service their ideal customers, and the benefits of Dialogue. Episode Highlights: ● 00:55: – Zack Brown defines Dialogue and how it got started. ● 01:59: – What is the origin of Dialogue? ● 04:44: – What are the main uses for the app? ● 10:51: – How is focusing on the employer market working out for Dialogue? ● 17:50: – Why was Germany the first non-domestic expansion of Dialogue? ● 20:15: – What has the user feedback been looking like? ● 22:38: – What would Zack Brown change in his business or industry? ● 23:31: – What has been the biggest challenge to get the company where it is today? ● 25:17: – What is the most exciting thing that they are working on? 3 Key Points 1. When using the Dialogue app you can contact a healthcare practitioner within minutes and receive services such as prescriptions, lab requisitions, navigation through the healthcare system, and referrals to a specialist. 2. Employers are paying for Dialogue’s service to help reduce absenteeism. 3. Dialogue’s Net Promoter Score feedback metric is on par with Apple and Tesla. Tweetable Quotes: ● “We are a virtual healthcare company. We are headquartered in Montreal with operations all over Canada as well as in Germany.” – Zack Brown ● “We are focused exclusively on working with business leaders, HR leaders, in effectively large groups to provide services at scale and to add value to the user, the patient, and as well as the payer.” – Zack Brown ● (Using Dialogue) “On average, users report saving more than four hours per interaction.” – Zack Brown Resources Mentioned: ● Facebook – Jason Pereira’s ● LinkedIn – Jason Pereira’s ● FintechImpact.co – Website● JasonPereira.ca – Jason Pereira’s newsletter ● Linkedin – Zack Brown’s ● Dialogue – Website ● Linkedin – Dialogue’sFull Transcript Hosted on Acast. See acast.com/privacy for more information.

Summary:In this 112th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host welcomes Natalie Sunderland, Chief Marketing Officer of Addepar, to talk about embracing risk, the benefits of technology, and the importance of advancing data reporting in wealth management. Episode Highlights: ● 01:03: – Addepar is a wealth management platform that specializes in data aggregation and performance reporting that currently has $1.7 trillion being managed on the platform. ● 02:10: – Addepar was founded in the wake of the financial crisis when the founder was struggling to understand how the crisis was impacting their assets. ● 03:53: – Getting a complete picture and understanding your assets is even more difficult now that people often split up their assets into different accounts, different financial institutions, and with different wealth managers. ● 05:22: – Financial advisors are limited in the advice they can give clients by the legacy software and tools they have. ● 06:40: – Addepar strives to create a friction-free experience for wealth managers and their clients, including the use of a mobile app. ● 08:50: – Addepar’s core value proposition is to aim to serve those who manage wealth and allow them to create tailored conversations with their clients. ● 10:08: – The Addepar interface is referred to as “Apple lite” and is very intuitive. ● 10:58: – The platform is customizable and allows wealth managers to include their own branding on reports. ● 13:55: – Having a personal conversation with your financial advisor shouldn’t be reserved only for those with ultra-high net worth. ● 15:42: – Advisors have said that with Addepar, activities that used to take them days now only take them hours or even minutes to complete. ● 17:10: – Addepar has built over 200 pipes from scratch to different banks to ensure they have the highest quality data rather than using scrapers. ● 21:42: – If Natalie could change one thing it would be to help these firms to embrace more risk. ● 22:48: – The biggest challenge for Natalie has been building a story for a company that is 10 years old, and also helping the market understand that Addepar isn’t a niche product or solution. ● 24:40: – Natalie is most excited about the investment they’re making to improve the experience for clients who use the platform, and the overall data opportunity. 3 Key Points 1. Understanding your assets is even harder when they are divided among multiple financial institutions. 2. Addepar allows you to create custom reports in moments, built to answer specific questions. 3. Improving data collection and reporting allows for more personally tailored conversations between wealth managers and their clients. Tweetable Quotes: ● “There are some pretty complex assets out there and we could provide a very valuable service to the wealth managers and their clients to truly help them understand, get that 360 view, and help them make better decisions.” –Natalie Sunderland ● “Independent advisors who choose Addepar are doing so because they realize the value that technology can bring to helping them scale their practices, becoming much more efficient, and being able to service their clients in a way they demand it these days.” –Natalie Sunderland ● “One of the things I’m excited to do is help the market understand the capabilities that we have and help them realize that moving from legacy to modern technology doesn’t have to be as painful as they think it will be.” –Natalie Sunderland Resources Mentioned: ● Website – Jason Pereira’s Website ● Facebook – Jason Pereira’s Facebook ● LinkedIn – Jason Pereira’s LinkedIn ● FintechImpact.co – Website for Fintech Impact ● https://www.addepar.com/ – Addepar Website ● https://www.linkedin.com/in/nataliesunderland – Natalie Sunderland’s Linkedin Full Transcript Hosted on Acast. See acast.com/privacy for more information.

Summary:In this 111th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host welcomes J. Paul Haynes, President and COO of eSentire, to talk about evolving cybersecurity threats, the challenges of the mid-size market, and more. Episode Highlights: ● 00:58: – eSentire is disrupting the way cybersecurity is managed. ● 03:28: – There are over 70 categories of cybersecurity companies because the problem keeps changing as technology evolves. ● 05:00: – eSentire serves mid-size companies with between 200-2,000 employees. ● 07:05: – Instead of offering certain features, eSentire sees themselves as a threat partner, making decisions about traffic and servers as if they were an employee of your company. ● 09:01: – eSentire was one of the first to solve security issues with hedge funds. ● 10:20: – A security breach with a hedge fund would be not just a reputational hit, but could end the business. ● 11:17: – A security analyst can identify the details of a threat as it happens, isolate it, and use that model as an update for all of their subscribers and are able to shut it down across their network. ● 16:55: – When a threat is detected, eSentire has eyes on it in under 1 minute and has usually completed its investigation within 10 minutes. ● 19:05: – They see somewhere between 7-10 million raw events every day, and of every 1,000 of those only about 1 needs to be investigated by a human. ● 21:48: – Half of the threats they see every day are unique to their network. ● 22:50: – When J started in this business 10 years ago, threats were measured in the 6 week range, and now it’s in the 5-7 day range, but eventually it will be down to minutes and seconds and the threat detection industry has to be able to keep pace. ● 23:30: – These breaches are mostly committed by opportunistic criminals, so you look at means, motive, and opportunity. ● 25:45: – As quantum computing becomes mainstream, we will first have to worry about state secrets of smaller nation-states. ● 28:39: – Most of these efforts are information-gathering rather than disruptive. ● 30:10: – A majority of data breaches are from self-inflicted wounds like clicking a link in a trusted partner’s email that you don’t know is compromised. ● 31:21: – If J could change one thing, it would be to flip the industry so that security conversations are had on the business’s terms instead of the tech terms to help with overall understanding of stakes. ● 34:39: – J’s biggest challenge has always been recruiting the talent he needs. ● 36:36: – What excites J the most is that there’s always a new challenge. 3 Key Points 1. The needs of cybersecurity are constantly evolving as technology evolves. 2. Many cyber threats seem innocuous and go unnoticed because they are information-gathering rather than disruptive. 3. AI improves how quickly a threat can be identified but we still need humans to verify and respond to those threats. Tweetable Quotes: ● “We will be your threat management partner... We will make decisions as though we were one of your employees. We will actually block traffic and we will shut down servers and then we will tell you what we were just able to stop.” –J. Haynes ● “The notion of relying exclusively on protective controls as the 100% solution is naive. They will fail, so you have to get competent at detecting when they fail and be able to react to that in a timely fashion.” –J. Haynes ● “No matter how good the AI gets, bad guys have AI too. They have cloud storage, they have all of the things that we have without any of the friction of rules of business or regulations. I often say, while they are morally corrupt, they are phenomenally gifted.” –J. Haynes Resources Mentioned: ● Jason Pereira’s Website | Facebook | LinkedIn ● Fintech Impact ● eSentire Website ● J. Paul Haynes Linkedin Full Transcript Hosted on Acast. See acast.com/privacy for more information.

Summary:In this 110th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host welcomes Ohad Samet, Co-founder and CEO of True Accord, to talk about leading with empathy even in debt collection, how True Accord’s debt collection model has impacted both creditors and debtors, and more.Episode Highlights:00:37: – True Accord is a machine learning-based digital debt collection platform used by creditors and financial institutions.01:57: – Others often see people in debt either as villains or as victims.05:00: – The majority of people have debt collection horror stories, but the people working as debt collectors aren’t bad people, but the way the industry is structured, they are incentivized to do things that create a bad experience.05:55: – True Accord’s machine learning helps track user behavior to determine the best way to reach each customer and when to have human interaction versus digital intervention.10:35: – At first, Ohad would get laughed out of offices and was being threatened by other creditors.11:50: – Ohad sees True Accord as the payment provider for creditors.13:15: – Traditional debt collection models pressure customers to pay as much as possible over the phone instead of committing to a payment plan that will actually work for them, so by working with the customer empathetically to find manageable payment plans that customers will actually stick to, True Accord sees higher rates of return.14:41: – Their first communication with customers is always an email.16:30: – True Accord fits to customer’s schedule both in terms of times that they can access the system to pay and what their individual cash flow is like.19:50: – The biggest surprise for Ohad has been that their clients have been surprised by how few complaints they receive about their debt collection.22:55: – True Accord could really only exist now because of how technologically enabled it is; the overhead would have been much too high several years ago.24:33: – If Ohad could change one thing, it would be the mindset of some of the major financial institutions to make them care about user experience.26:07: – The biggest challenge has been compliance.27:48: – Ohad is most excited about the company’s Slack channel sharing compliments from customers.3 Key PointsProviding a good user experience for debt collection benefits both brands and their customers.Existing debt collection incentive structures encourage call center operators to be dehumanizing and lack compassion.Machine learning technology is what has enabled intelligent communication with customers to happen on their terms.Tweetable Quotes:“You have to have an empathetic approach to a complex issue, and you can solve it, you can help people end up on the good side of things.” –Ohad Samet“People come home after their second shift and they can engage with us and pay on their own terms, and that’s the important thing. Fitting to their payment periods, fitting to their unreliable cash flow, and that’s a lot of the negotiation.” –Ohad Samet“We needed to be in the right intersection between understanding compliance, caring about the problem, and knowing how to use technology to solve it.” –Ohad SametResources Mentioned:Website – Jason Pereira’s WebsiteFacebook – Jason Pereira’s FacebookLinkedIn – Jason Pereira’s LinkedInFintechImpact.co – Website for Fintech ImpactTrue Accord Website – https://www.trueaccord.com/Ohad Samet Website – https://www.ohadsamet.com/Ohad Samet Linkedin – https://www.linkedin.com/in/osametOhad Samet Twitter – https://twitter.com/ohadsametFull Transcript Hosted on Acast. See acast.com/privacy for more information.

Summary:In this episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews returning guest Samantha Russell, Chief Marketing & Business Development Officer at Twenty Over Ten. This time around, instead of discussing Twenty Over Ten, Samantha has come to talk about Lead Pilot, which is Twenty Over Ten’s content marketing platform for financial advisors. Samantha also explains inbound marketing, why it is so effective, and how inbound marketing differs from short-form marketing. Episode Highlights: ● 00:50: – Samantha Russell defines Lead Pilot. ● 02:43: – What led to the creation of Lead Pilot? ● 04:27: – What is inbound marketing and why is it so effective? ● 07:17: – You can’t expect results if you are not trying or doing the right things. ● 09:16: – How does inbound marketing differ from short-form marketing? ● 12:19: – Samantha provides advice for those that don’t think they have enough time for inbound marketing. ● 15:35: – What types of content can people currate on Lead Pilot? ● 18:01: – How is Lead Pilot reporting metrics back to advisors? ● 19:52: – What content platforms are available for integrating and posting? ● 20:30: – What amount of labor does an advisor have to put into Lead Pilot for it to work for them? ● 24:00: – What else would Samantha Russell like people to know about Lead Pilot? ● 25:11: – Is there something in the industry or the company that Samantha Russell would like to see change? ● 26:02: – What has been the biggest challenge to getting Lead Pilot to where it is today? ● 27:29: – What excites Samantha the most about what she is working on? 3 Key Points 1. Lead Pilot allows for content creation, landing pages for the dissemination of that content, social media scheduling, email marketing, and the gathering of your prospect’s data as they engage with the content. 2. Inbound marketing involves providing as many answers and as much helpful information to anybody that wants it for free. Then those people absorb that information and come to you when they are ready to engage with your services. 3. 70% of the buying decision is made online before the customers ever contact you. Tweetable Quotes: ● “Lead Pilot is an inbound marketing platform that makes it easy for advisors to manage and automate all of their marketing messages in one place.” – Samantha Russell ● “We really see the future of marketing in 2020 and this next decade consisting of two things, personalization and automation, and our platform allows advisors to handle both of those.” – Samantha Russell ● “Quoting Michael Kitces here, he had a great quote where he said, ‘Would you hand over your life-savings to someone before looking them up on Google?’ And the answer is ‘no, absolutely not.’” – Samantha Russell Resources Mentioned: ● Facebook – Jason Pereira’s ● LinkedIn – Jason Pereira’s ● FintechImpact.co – Website● Linkedin–Samantha Russell ● twentyoverten.com – Website ● Lead Pilot – Website ● They Ask You Answer by Marcus Sheridan–BookFull Transcript Hosted on Acast. See acast.com/privacy for more information.

Summary:In this 108th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host welcomes Daryl Hatton, Founder and CEO of Connection Point, to talk about Connection Point’s crowdfunding model, some major successes challenges the platform has faced, the psychology behind philanthropy, and more. Episode Highlights: ● 00:35: – Connection Point is a social commerce company that helps people crowdfund money for personal and professional/non-profit organizations. ● 02:50: – Connection Point began as a fundraising site for unregistered and non-charitable non-profits like children’s sports teams. ● 05:25: – They were one of the 30 companies included in Facebook’s beta for the Timeline feature to know how it worked ahead of time. ● 06:20: – The site allows companies and groups to use their own branding on their funding campaigns. ● 07:10: – The site includes technology called Coco Pay to allow companies to help potential customers crowd fund to purchase their product. For example, individuals with mobility issues crowd-funding to purchase a bike. ● 13:10: – The platform has now had to prevent defendants in violent crimes from fundraising for their legal defense due to the negative pushback from the community. ● 14:45: – The platform can be used to collect subscription or membership payments from supporters. ● 17:52: – It is free to begin using Connection Point and even to fundraise (less transaction fees, which no one can avoid) and optional to add a “tip” to each transaction for the platform. ● 20:53: – University of California used the platform to raise over $3 million to fund a study into the human microbiome. ● 22:50: – Another group funded several projects at Burning Man. ● 24:18: – If Daryl could change one thing it would be for people to take a broader view of what crowdfunding can be and be used for beyond the GoFundMe model. ● 29:00: – If you can see the impact of your donation, you’re more likely to give again. ● 30:22: – The biggest challenge has been funding and finding investors. ● 31:50: – What Daryl finds most exciting is the cumulative impact that Connection Point can have. ● 32:42: The platform has raised $160 million for over 200,000 projects in over 40 countries so far. 3 Key Points 1. Connection Point expands how people think about crowdfunding and its potential use cases. 2. Millennials are more philanthropic than we give them credit for. 3. Small donations on small projects can make a huge cumulative impact on the world. Tweetable Quotes: ● “I think it should be all about my customer and their brand experience, not mine. I’m not trying to push my Indiegogo and Kickstarter brand, I’m trying to say hey, what’s your product?” –Daryl Hatton ● “One of the things we’re looking at is how do we make philanthropy more of an entertaining experience? Because the feelings we get from giving are very similar to the feelings we get when we consume entertainment, like a movie.” –Daryl Hatton ● “Good natured people are a platform” – Daryl Hatton Resources Mentioned: ● Website – Jason Pereira’s ● Facebook – Jason Pereira’s● LinkedIn – Jason Pereira’s● FintechImpact.co – Website● Connection Point website – https://connectionpoint.com/ ● Fundrazr website – https://fundrazr.com/ ● Community website - ● Daryl Hatton Twitter – https://twitter.com/darylhatton ● Daryl Hatton Linkedin – https://www.linkedin.com/in/darylhatton Full Transcript Hosted on Acast. See acast.com/privacy for more information.

Summary:In this 107th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Garrett Viggers. Co-Founder at Limelight Health, a company that is working to digitize the entire experience of insurance applications from start to finish. Garrett Viggers talks about how Limelight Health got started, obstacles in getting the industry to accept innovation, and not trying to be a one-stop solution for everything. Episode Highlights: ● 00:08: – Check out JasonPereira.ca to sign up for the newsletter and notifications. ● 00:51: – Garrett Viggers describes Limelight Health. ● 02:07: – What really drove the foundation of Limelight Health? ● 04:35: – How did his first experiences go with insurance companies trying to show them that there is a better way? ● 11:16: – Limelight Health is not overextending itself to try to be a policy admin system, CRM, or an enrollment platform. ● 11:54: – Are they running into the ‘one magic bullet solution’ syndrome in the insurance world? ● 14:56: – It is important to understand the ecosystem. ● 16:14: – What is causing the pushback from admins? ● 18:12: – What have been the success stories? ● 20:41: – The strategy to make things difficult is not a winning strategy. ● 27:12: – Jason shares a common podcast saying, ‘The reason that fintech exists is because traditional carriers allowed it to exist.” ● 33:21: – What would Garrett change in his business or his industry? ● 36:40: – What has been the biggest challenge in his business? ● 39:44: – What is the most exciting thing Garrett Viggers is working on? 3 Key Points 1. Streamlining down to one tech solution has negative effects such as increasing risk not getting a great solution and needs not being met. 2. Getting broker admins to accept online enrollment instead of paper is of high value. 3. You can’t build your experience for the naysayers who want to operate the way they did 20 years ago. Tweetable Quotes: ● “We are really focused on new business renewals and making that a beautiful experience for group products & group carriers working with their distribution partners.” – Garrett Viggers ● “We started with medical. We went from phone, iPad, to full desktop because the feedback was, ‘Hey, does it work on Internet Explorer 6?’ We were thinking, can you just use Google Chrome?’” – Garrett Viggers ● “We realised that we have to solve the carrier’s problem so they can actually best serve their brokers.” – Garrett Viggers Resources Mentioned: ● Facebook – Jason Pereira’s ● LinkedIn – Jason Pereira’s ● FintechImpact.co – Website ● JasonPereira.ca – Website ● Linkedin –GarrettViggers ● Limelight Health – Website Full Transcript Hosted on Acast. See acast.com/privacy for more information.

In this 106th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host welcomes Filipe Castro, co-founder and CIO of Utrust, to talk about Utrust’s growth strategy, how blockchain payment technology competes with credit cards and other existing forms of payment, the future of payment tech, and more.Episode Highlights:00:55: – Utrust is a platform that enables e-commerce merchants to accept various forms of cryptocurrency as payment.01:24: – Filipe met his co-founders online in 2010 in cryptocurrency and blockchain forums.03:30: – On the merchant’s side, they don’t have to worry about the accounting or conversion of cryptocurrency, because Utrust handles all of that automatically on the back end and the merchant simply receives their US Dollars or Euros or whichever currency they operate under.04:28: – For the user, you select Utrust as your payment method, which takes you to the Utrust website and allows you to select and set up your crypto wallet with a QR code.06:00: – Utrust currently has ten vendors using the platform because they had to select the optimal vendors to start the platform with in order to optimize the experience and collect the data needed to scale up effectively.07:30: – Utrust has competitors, but most of the vendors that were interested in using Utrust approached them, not the other way around, partly because it’s free to integrate.09:23: – Filipe believes Utrust is the best solution because it has the strongest community support and a seamless integration, which is crucial for a blockchain technology.10:17: – Transaction fees are competitive with regular credit cards, at only 1%.11:30: – Currency conversion happens almost instantaneously to protect both the merchant and the consumer, so the merchant gets the price they listed and the consumer isn’t overcharged due to fluctuating conversion.13:04: – Utrust is compatible with any wallet that supports scanning a QR code.14:38: – Having a diverse range of merchants on board with Utrust allows them to collect more accurate metrics to perfect the platform more quickly.19:20: – For the user, there is almost immediate settlement of payment, and for the merchant you get a notification of incoming payment and the settlement depends on the cryptocurrency protocol.22:37: – Filipe is paying attention to growing competition, but acknowledges that we are still in the building phase of this space where major players haven’t entered crypto yet.27:30: – If Filipe could change anything, it would be for all the communities in blockchain to simply get along better and coexist better.28:53: – The biggest challenge has been establishing a company culture and building a team as a startup.29:45: – Filipe is excited by the way Utrust is changing the future of payments to empower consumers and merchants.3 Key PointsUtrust gives online vendors more payment options to be more competitive.Collecting metrics from a deliberately crafted pool of users will enable you to develop and scale your business more quickly.The future of payments is a seamless digital experience. Tweetable Quotes:“We always want to protect the merchant, just to make sure that whatever the quoted price that they put in their system, they’re going to get that minus 1%, always.” –Filipe Castro“We’re trying to get metrics to perfect the system. The best way to get different metrics is to integrate with different types of businesses that have different users, have different patterns of usage, sell different types of goods, have different frequencies.” –Filipe Castro Resources Mentioned:Website – Jason Pereira’s WebsiteFacebook – Jason Pereira’s FacebookLinkedIn – Jason Pereira’s LinkedInFintechImpact.co – Website for Fintech ImpactUtrust websiteUtrust TwitterFilipe Castro TwitterFull Transcript Hosted on Acast. See acast.com/privacy for more information.

Summary:In this 105th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host welcomes Doug Dahmer, CEO of Better Money Choices, to talk about democratizing financial planning, having a long-term view of planning, and more. Episode Highlights: ● 00:32: – Better Money Choices is a financial platform that puts the power in the consumer’s hands. ● 01:25: – Before Better Money Choices, Doug founded Retirement Navigator. ● 02:22: – Better Money Choices allows consumers to gamify their choices to explore what their financial options are. ● 04:50: – The biggest obstacle to financial planning is the initial data collection, so the Better Money Choices platform has a wizard that allows for that data collection in 7.5 minutes or less, and to identify the places that need further detail and clarity later. ● 08:59: – Financial planning is a verb, not a noun. ● 10:20: – Better Money Choices is owned by the client and can be shared with any other financial advisor if the client wants a second opinion. ● 13:12: – The platform is based on the idea of adult learning; it isn’t effective to tell an adult what to do, but if you give them the tools to learn, then they’ll come to you for help. ● 20:24: – Doug is able to duplicate a client’s plan to play around with it and explore options without touching their actual plan, but then can send that new version of the plan back to the client for review. ● 21:50: – It’s almost never as easy or simple as choosing one option or another. ● 24:06: – Financial advisor decisions are best guesses at the time of the decision based on the information they have and the factors at play. ● 26:17: – The majority of Doug’s time is spent reassuring high-income people that they can spend money and won’t run out of money, which sounds strange to the average person who typically overspends. ● 27:40: – Doug pushes clients to decide if their current life is the best life they can live, if this is their goal, or if they can reallocate their money to get closer to goals. ● 31:27: – If Doug could change one thing in the industry, it would be to democratize access to financial planning. ● 32:06: – Doug’s biggest challenge has been the current state of the financial services industry and the lack of new thinking. ● 35:06: – What excites Doug the most is that the need out there is so huge, and he wants to get out there as fast as he can. 3 Key Points 1. Financial planning isn’t a one-time action, but an ongoing process. 2. Better Money Choices empowers clients to learn the process and help them make decisions or propose changes to a financial advisor themselves instead of relying entirely on someone else to tell them what to do. 3. People should stop looking at financial choices as permanent or definitive when the best anyone can do is to make their best guess based on the information they have at the time. Tweetable Quotes: ● “Close to 30 years of financial planning has taught me that it’s not the latte’s that are killing financial plans. What’s killing financial plans is that people aren’t getting what they want because they don’t know what they want.” –Doug Dahmer ● “More of one thing usually means less of another. What choice do you want to make? Your life will be defined by those choices, but now for the first time in your life you have a tool that allows you to discover the outcome of those choices before you make them.” –Doug Dahmer Resources Mentioned: ● Facebook – Jason Pereira’s Facebook ● LinkedIn – Jason Pereira’s LinkedIn ● FintechImpact.co – Website for Fintech Impact ● Better Money Choices website – http://web.bettermoneychoices.com/index.html ● Doug Dahmer Twitter – https://twitter.com/dougdahmer2 Full Transcript Hosted on Acast. See acast.com/privacy for more information.

Summary:In this 104th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Scott Hawksworth, Sales and Marketing Director at Soar Payments. Soar Payments is a company that focuses on providing payment solutions to higher risk businesses in the United States. Scott Hawksworth explains chargebacks, examples of high-risk businesses that banks tend to have trouble with, and the value that Soar Payments offers to its clients. Episode Highlights: ● 00:33: – Scott Hawksworth defines Soar Payments. ● 01:11: – Soar Pay was launched in 2015 in Houston, Texas. ● 03:10: – What are examples of higher-risk industries from the standpoint of payment processing companies and banks? ● 06:38: – Scott explains a chargeback and why the threshold is a small number. ● 10:51: – How is Soar Payments solving this problem? ● 12:11: – Soar Payments’ goal is to present merchants in places where they have the best chance of getting approved. ● 14:22: – How do they implement the tech solution into their business? ● 16:16: – How does their pricing to the end-user differ from other options? ● 20:45: – Soar Payment is not a technology company. They’re a company that provides tech to users to fill a gap in the market. ● 22:41: – What would Scott change in his business or his industry? ● 23:48: – What has been the biggest challenge in his business? ● 25:25: – Soar Payments has an underwriting process that every business goes through to get approved. ● 26:11: – What is the most exciting thing Jamie Hale is working on? 3 Key Points 1. Soar Payments focuses on business in the high-risk space that needs payment solutions. 2. High-risk companies from bank perspectives include: credit repair companies, document preparation, online marketing/SEO services, subscription services, the adult industry, E-Cig/vape/smoking accessories, nutraceuticals, moving companies, and transportation services. 3. The bank threshold percentage for low-risk businesses is 1% or less, calculated based on the dollar amount that you’re having charged back. Tweetable Quotes: ● “We offer merchant services to businesses of all kinds to help them get set up to accept payments, mostly for credit card processing. But we also offer ECheck and ACH options.” – Scott Hawksworth ● “If you have a business and you are having lots and lots of chargebacks, that is a problem for the bank because they are having to give that money back and that doesn’t reflect well on your business itself.” – Scott Hawksworth ● “The merchant comes to us and then we take a look at your business. We look at your documentation and all of that and we have these established relationships so we can pass you along to the best possible option.” – Scott Hawksworth Resources Mentioned: ● Facebook – Jason Pereira’s Facebook ● LinkedIn – Jason Pereira’s LinkedIn ● FintechImpact.co – Website for Fintech Impact ● Linkedin –Scott Hawksworth ● Soarpay.com – Website for Soar PaymentsFull Transcript Hosted on Acast. See acast.com/privacy for more information.

Summary:In this 103rd episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host welcomes Tea Nicola, Co-founder and CEO of Wealthbar, and Pawel Brzeminski, Founder and CEO of Snap Projections, to talk about what led to their companies’ partnership, fintech’s rise and the financial planning industry’s move towards technology, and more. Episode Highlights: ● 00:46: – Wealthbar is one of Canada’s first robo-advisors. ● 01:18: – Snap Projections is a financial planning platform for advisors. ● 02:38: – Tea was interested in Snap Projections after using it herself for years as a solution to having to do calculations in Excel and then manually transfer data over into reports for clients. ● 04:33: – Pawel was interested in the relationship because he wanted a partner to help grow and improve the platform. ● 06:44: – Snap Projections has helped Wealthbar grow because it has been helpful to own software that allows advisors to work more efficiently and effectively service more clients. ● 08:15: – Pawel believes Snap Projections has added a lot of value for advisors over the years, including estate planning. In the future he’d like to develop APIs. ● 11:11: – Tea’s vision is for a platform that automates routine tasks but has a human safety net to help you understand your finances. ● 13:09: – Tea envisions her advisors as salaried employees on the same level as her developers as opposed to the current model of advisors as sole proprietors of their business. ● 17:33: – Pawel intends to reduce friction and heavy lifting for advisors by providing recommendations to advisors while acknowledging that no one algorithm can account for all scenarios. ● 21:19: – Snap Projections has between 600-700 feature requests on their list right now. ● 21:40: – Pawel wants to spend more time exploring issues around stress testing. ● 22:03: – Algorithms are better at doing the heavy lifting but a human still needs to be involved to make sure the recommendations apply to a client’s reality. ● 24:21: – If Tea could change one thing about the industry it would be that the average Canadian’s financial literacy level would go up tenfold. ● 25:45: – If Pawel could change one thing it would be to change the backend of financial planning software to focus less on the individual and more on the household. ● 28:26: – The biggest challenge Tea has faced in scaling Wealthbar to where it is today would, again, be the issue of financial literacy. ● 29:33: – Pawel’s biggest challenge in scaling Snap Projections was lack of resources. ● 32:40: – What most excites Tea is the way the industry is changing and moving towards more technology, including AI. ● 35:33: – Pawel is most excited by helping people and seeing the impact he’s making. 3 Key Points 1. The ideal robo-advisor platform would automate routine tasks while allowing clients to speak to a human for deeper understanding and specific issues. 2. Increasing the level of financial literacy among the population is crucial for the growth of fintech. 3. Canadian tax code poses a challenge for advisors because of its focus on the individual rather than the household. Tweetable Quotes: ● “I’ve always had this vision in my mind of a busy mom walking into her house with a bunch of groceries and getting a push notification from Wealthbar... and she can react to it with one button and at the same time have access to an advisor if things aren’t clear enough.” –Tea Nicola ● “It’s all about making planning pleasant and easy to use. We don’t have to use all the complex tools with lots of inputs. It’s all about making sure that information that we’re using to make decisions is right in front of us.” –Pawel Brzeminski ● “FInancial planning and investment management is a slow and boring process. If it’s exciting, you’re doing it wrong.” –Tea Nicola Resources Mentioned: ● Facebook – Jason Pereira’s Facebook ● LinkedIn – Jason Pereira’s LinkedIn ● FintechImpact.co – Website for Fintech Impact ● Wealthbar Website – https://www.wealthbar.com/ ● Snap Projections Website – https://snapprojections.com/ ● Tea Nicola Twitter: https://twitter.com/teanicola?lang=en ● Pawel Brzeminski Twitter: https://twitter.com/pawelwb?lang=en Full Transcript Hosted on Acast. See acast.com/privacy for more information.

In this 102nd episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host welcomes Yaron Ben-Zvi, founder of Haven Life, to talk about how he ended up in the life insurance industry, the problems he found once he got there, and how Haven Life aims to fix those problems.Episode Highlights:00:36: – Haven Life is a service that rethinks how people purchase life insurance policies using better tech.01:24: – Yaron started Haven Life because he was shocked at how outdated the process was when he went to purchase his first life policy after the birth of his first child.04:25: – Every step of purchasing life insurance had tons of friction that Yaron believed could be alleviated using technology, from understanding the product to applying to underwriting and the customer decision.05:25: – Jason notes that Yaron includes policy examples in the application process to remove the intimidation factor.06:54: – The best insights while developing the Haven Life website came from in-person conversations with users, not A/B testing.07:18: – People mainly wanted to see what kinds of policies other people were buying and how much they were paying.10:20: – Haven Life is backed and wholly owned by MassMutual. Each Haven Term policy is issued by their parent company. 11:00: – When a customer submits an application, the Haven Life software reviews application and third party data in real-time to determine eligibility immediately.11:57: – Yaron started the company as an online, intermediary insurance broker, but quickly decided he wanted to partner with an underwriter, and that’s what led to MassMutual.13:58: – Haven Life is built for a younger, previously unapproached customer for life insurance.14:53: – The hardest part of underwriting is gathering medical information from doctors.16:42: – Haven Life removes the communications barrier of the customer not knowing the status of their policy.18:43: – Everything on Haven Life is managed online. You can access your policy information and manage it in a customer portal online.20:27: – If Yaron could change one thing about the life insurance industry, it would be to create a better way to get products into the hands of underserved customers.21:09: – The customers who need life insurance most are often the ones for whom it would cost the most and for whom it would be most difficult to afford.21:50: – Yaron’s biggest challenge has been the specific complexities of the industry since he entered it as an outsider.23:08: – What excites Yaron the most is that he truly believes he is making a difference in people’s lives and that he still has so much work to do to make the product better.3 Key PointsHaven Life is trying to remove the traditional friction and pain points in buying a life insurance policy.Partnering with MassMutual allowed Yaron to rethink the entire life cycle of an insurance policy to be digital from the ground up.The life insurance industry is not set up to make the product accessible to underserved populations. Tweetable Quotes:“It’s a tough thing to wrap your head around. We’re talking to them about the two things we’re wired to want to talk about least—your mortality and your finances.” –Yaron Ben-Zvi“How do we redesign the life insurance process, how do we think about the underwriting process in a way that is completely digital from the ground up? It kind of let us rethink the entire life cycle of the process in a way that you couldn’t if you were just an outside intermediary.” –Yaron Ben-Zvi Resources Mentioned:Facebook – Jason Pereira’s FacebookLinkedIn – Jason Pereira’s LinkedInFintechImpact.co – Website for Fintech ImpactHaven Life website – www.havenlife.com Haven Life Facebook – https://www.facebook.com/havenlifeinsurance/Haven Life Twitter – https://twitter.com/HavenLifeInsureYaron Ben-Zvi’s LinkedIn – https://www.linkedin.com/in/yaron-ben-zvi-16676Yaron’s blog – https://medium.com/@yaronbz Hosted on Acast. See acast.com/privacy for more information.

Summary:In this 101st episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host welcomes Phillip Barrar, founder of the Mylo savings and investment app, to talk about banking differences in Canada versus the EU, banking regulations, and more. Episode Highlights: ● 00:33: – Mylo is an app that rounds up your purchases and invests the change to help you work towards your savings goals. ● 03:18: – Phillip started Mylo after he was already teaching his friends and family savings techniques. ● 04:24: – Canada has an under-banked population and aren’t saving or investing. ● 04:40: – 53% of Canadians have under $1,000 in their bank account. ● 04:54: – For Phillip, it’s about inclusion; how do you make products more accessible and affordable and remove friction points? ● 09:06: – The roundup process in Mylo helps people go from saving nothing to saving their first $1,000 in a year. ● 09:15: – Users can also set up recurring deposits in addition to the roundup. ● 09:47: – Users typically save between $10-30 in roundups over the course of a week. ● 10:16: – Mylo is not investment focused, it’s life goal-focused for users. ● 10:46: – Each goal you set up in Mylo has its own risk profile and allows you to invest differently depending upon the goal time frame and your preferences. ● 12:29: – Mylo isn’t monetized off of robo-investor fees, but from $1-3/month subscription fees. ● 13:24: – Mylo also offers cash back offers with partner brands. ● 16:01: – Phillip is expanding Mylo into the EU. ● 16:50: – Banks regularly change their websites and APIs to break connections with third party aggregator apps. ● 18:09: – Companies in most English-speaking countries are afraid to expand to the EU because it’s multilingual and multi-domicile, but for Mylo, which was founded in the bilingual Montreal, it felt natural. ● 22:55: – Mylo partners with Canada Helps and allows you to connect a goal to a charity and directly give to them through the platform. ● 23:28: – Mylo recently launched a beta version of Mylo Advisor, which allows you to ask a one-off question to a financial planner. ● 24:58: – Most Mylo users are high-income users for the age group. ● 28:45: – If Phillip could change one thing in the industry it would be to push people on the regulatory side to be more open to change more quickly in order to remove friction. ● 30:10: – The biggest challenge has been that the bar to get funding is so much higher in fintech than in other industries due to the money needed to navigate regulatory bodies. ● 31:59: – What most excites Phillip are the messages he gets from users. 3 Key Points 1. Canada is an underbanked population that does not save or invest its money. 2. Mylo is focused on helping users achieve their financial goals. 3. Banking security comes from regulation not from the size of the bank. Tweetable Quotes: ● “We need to be able to start putting together the right practices in place. It’s something everyone wants to do. It’s more financial literacy through doing versus more financial literacy through learning or education.” –Phillip Barrar Resources Mentioned: ● Facebook – Jason Pereira’s Facebook ● LinkedIn – Jason Pereira’s LinkedIn ● FintechImpact.co – Website for Fintech Impact ● https://mylo.ai/ Hosted on Acast. See acast.com/privacy for more information.

Summary:In this 100th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host welcomes Michael Kitces of the Nerd’s Eye View blog, XYPN, and AdvicePay, to talk about product iteration, specialization within the field of financial planning and more. Episode Highlights: ● 01:40: – Michael ended up in financial services by accident after majoring in Psychology and minoring in Theatre in undergrad. ● 02:55: – Michael had a job selling life insurance policies, and he hated it and was bad at it, but luckily ended up finding mentorship from the one certified financial planner in the company. ● 06:25: – Michael sees the evolution of the fintech space as having several small epochs. ● 08:35: – Developers tried making a holy grail all-in-one software which resulted in every area of the program being mediocre. ● 09:02: – The rise of APIs have turned the industry upside down, allowing financial planners to create their own perfect all-in-one solution. ● 12:55: – Small companies that specialize can evolve so much faster than any enterprise software ever could. ● 16:22: – Michael observes that most fintech software companies in the US are homegrown, with developers trying to solve problems, rather than big venture-funded startups. ● 18:00: – Scaling your product to enterprise solutions means pivoting to a lot of enterprise features and iterations instead of iterating on your core product for end users. ● 19:45: – Because enterprise companies evolve more slowly, when they approach smaller companies for solutions they’re often asking them to move backwards to match where their advisors are in their mindsets. ● 22:20: – Michael believes that financial planning software has the most room for disruption of any software category. ● 25:30: – It is still useful to know old, antiquated programming languages because companies that have evolved slowly and are still written in old code need people who understand that architecture in order to modernize it. ● 27:45: – Michael sees a lot of companies trying to solve culture and training problems with technology instead of addressing the real issues. ● 29:20: – Companies trying to pivot to financial planning advice without certified financial planners means the employees are selling the plan as a product rather than providing advice as added value. ● 31:10: – In order to reduce liability that comes up with offering advice, companies centralize their planning departments and put excessive compliance procedures in place. ● 33:24: – A lot of specialized programs are cropping up to streamline processes for things like planning for your money management in the event that you are cognitively impaired with dementia, for parents and children managing student loans, etc. ● 37:50: – If Michael could make one change to the industry it would be to decrease the requirements to be called a financial advisor. ● 39:00: – The biggest challenge Michael has faced is figuring out how to get out of his own way. ● 40:53: – What excites Michael and gets him out of bed in the morning is, surprisingly, checking his email. 3 Key Points 1. The development of APIs has allowed for much faster iteration and development. 2. You can’t solve company culture problems with tech. 3. The fintech space has so much room for disruption and specialization. Tweetable Quotes: ● “You’re still going to get out-expertised, out-devved, out-scaled, out-manned, because the independent companies have been able to get so large. I think it’s a thing that could not have happened until the internet showed up and API connectivity became possible.” – Michael Kitces Resources Mentioned: ● Facebook – Jason Pereira’s Facebook ● LinkedIn – Jason Pereira’s LinkedIn ● FintechImpact.co – Website for Fintech Impact ● https://www.kitces.com/ ● https://www.kitces.com/blog/category/21-financial-advisor-success-podcast/ ● https://www.xyplanningnetwork.com/ ● https://advicepay.com/ ● https://twitter.com/MichaelKitces ● https://www.pinnacleadvisory.com/  Hosted on Acast. See acast.com/privacy for more information.

Summary:In this 99th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host welcomes John Waldron, founder of Learnedly, to talk about how financial services firms handle ongoing education. Episode Highlights: ● 00:30: – John explains Learnedly as Lynda.com/LinkedIn Learning but for Canadian financial services professionals. ● 01:37: – John founded Learnedly because he found that it’s empowering to learn new ways to help your clients, and he wanted to make that learning accessible. ● 02:55: – There was a demand in the industry for video-based content that was accessible on mobile. ● 05:00: – A lot of Learnedly is inspired by and based in part on Lynda.com, which has now even sent Learnedly business. ● 06:51: – With things changing in the industry and with technology so quickly, a platform that can be updated and referenced in real-time became more and more necessary. ● 08:42: – With short-form courses like this, you can make a commitment to lifelong learning with only 30 minutes a week. ● 09:25: – People are most motivated to learn and retain the information the best when they are in a position of needing to know something, and then put that knowledge to use shortly thereafter. ● 11:00: – We take for granted how incredible a resource YouTube is, providing all this education for free, but you have to wade through a lot of low-quality content and Learnedly is a curated, high-quality platform. ● 11:30: – Learnedly costs only $20 per month, in alignment with John’s belief that education is a right, not a privilege, and should be priced accordingly. ● 12:15: – John shares how he was introduced to the financial services world by taking a Securities course in order to learn how to be responsible with his own money. ● 17:00: – Some of Learnedly’s courses are approved for Continuing Education credits, and users can expect a true mobile experience with video that can stream on desktop, tablet, or phone, and can be downloaded for offline viewing. ● 19:03: – Everything on Learnedly is researched and written beforehand, and video content takes ten times the effort of merely writing when you have to prepare, film, and edit the videos. ● 20:55: – Learnedly has received positive feedback thus far and they plan to grow exponentially over the next six months. ● 23:09: – In addition to supporting your current work needs, Learnedly can be used to grow your skills and help you advance in your career. ● 28:10: – An advantage to Learnedly is that because their content is so modular, in 1-2 minute videos, if something changes in the industry, they only have to edit and replace small clips rather than entire courses. ● 29:13: – If John could change one thing in the industry, it would be the level of complacency. ● 31:50: – AI and automation are real things that will impact the industry in the future. ● 33:35: – The advisors who believe that automation will eliminate their jobs are usually the advisors who don’t often deal with people face-to-face and those who treat their jobs in a highly transactional way that could easily be replaced by a computer. ● 36:53: – The biggest challenge has been that Learnedly is a subscription service, so getting the content ready for launch and continuing to build the library was a big lift. ● 39:18: – John is most excited about filling the need for education among the financial services industry. 3 Key Points 1. Learnedly supports an attitude of lifelong learning. 2. Learnedly disrupts the traditional model of very expensive, outdated certification courses. 3. The future is not a choice between human labor and automation, but will inevitably be a hybrid. Tweetable Quotes: ● “People learn more and they retain more when they need to know something. When they’re in that moment where they need to know, that’s when they are motivated to learn and when their retention is the greatest.” –John Waldron ● “One of the other big challenges is that regulations do change, taxes change, new tax incentives, credits, and other things change, but the industry textbooks don’t change nearly as often.” –John Waldron Resources Mentioned: ● Facebook – Jason Pereira’s Facebook ● LinkedIn – Jason Pereira’s LinkedIn ● FintechImpact.co – Website for Fintech Impact ● https://www.learnedly.com/ ● https://www.miraclemorning.com/ Hosted on Acast. See acast.com/privacy for more information.

Summary:In this 98th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host welcomes Toan Huynh, from the VC firm Information Venture Partners, to talk about automation, what an “early stage” company means to IVP, and how to explain venture capital to a five-year-old. Episode Highlights: ● 00:42: – Information Venture Partners is a venture fund that focuses on enterprise SaaS in the financial services market. ● 01:02: – Research confirms that the spend by financial services SaaS companies will triple every year of the millennium. ● 01:20: – They are an early stage investor that works to help scale a company. ● 04:52: – The company Toan worked for became partners with Salesforce early in its life. ● 08:33: – IVP is interested in piping and helping banks and other companies digitize their back end and digitize the user experience and employee experience. ● 09:28: – Online SaaS platforms are more flexible than downloadable software; it turns a fixed cost into a variable cost. ● 13:14: – When talking to entrepreneurs, Toan reminds them that they are solving a problem in a way of doing things that a company has been entrenched in for many years, so you can’t just march in and say stop what you’re doing. ● 13:35: – The sales cycle in these scenarios isn’t quick as a result. ● 14:50: – Automation isn’t scary, it’s necessary. ● 15:38: – True automation isn’t here yet. ● 17:02: – YayPay is a company in their portfolio that automates accounts receivable to free up CFOs to manage financial planning and strategy instead of collections. ● 18:37: – Another company in their portfolio is Procurify, which provides insights on expense management. ● 20:05: – Knowtions Research uses natural language processing and AI to improve health insurance for people with preexisting conditions or terminal illness, and how to use the same systems to help insurance companies combat fraud and abuse. ● 21:10: – Start your business where you can test your model and troubleshoot. ● 22:45: – To Toan, funding eligibility for IVP means being a fintech company aiming to solve a problem in the financial services or healthcare space. ● 23:37: – Companies they fund are “early stage” companies, which means different things to different funders and depends upon whether your clients are individuals or enterprise. ● 25:47: – If Toan could change one thing about her industry, it would be to improve gender parity. ● 27:50: – Try not to make the excuse of a pipeline issue for not hiring diversely; instead, take a risk on somebody. ● 28:17: – Toan advocates for bringing back the apprenticeship model. ● 28:52: – Entrepreneurs should take a long view of their partnerships; money is only half the equation, and the other half is growing a team. ● 31:05: – One of IVP’s biggest challenges has been marketing. ● 32:40: – Toan explains venture capital to her five year old as “growing baby companies.” 3 Key Points 1. Companies that IVP funds are ones that are working to solve a problem in the financial services or healthcare industries, mainly by digitizing and automating processes that improve user experience. 2. Automation isn’t a threat, it’s necessary for the industry to stay competitive. 3. Citing a pipeline issue is no excuse for lack of diversity in hiring. Tweetable Quotes: ● “Automation is a necessity for us to compete globally.” –Toan Huynh ● “Founders become funders... We need to be consciously investing in non-traditional founders and diverse founders so we can spread the pool of potential wealth accumulation a little bit better. And that’ll create better opportunities for everybody.” –Toan Huynh Resources Mentioned: ● Facebook – Jason Pereira’s Facebook ● LinkedIn – Jason Pereira’s LinkedIn ● FintechImpact.co – Website for Fintech Impact ● https://www.informationvp.com/ ● https://www.linkedin.com/in/toanhuynh ● https://www.yaypay.com/ ● https://www.procurify.com/ ● https://www.knowtions.com/  Hosted on Acast. See acast.com/privacy for more information.

Summary:In this 97th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host welcomes Jason Early, Chief Revenue Officer of the cloud-based business valuation platform BizEquity. Episode Highlights: ● 00:43: – BizEquity is a cloud-based business valuation platform. ● 01:25: – Jason Early comes from a financial services background. ● 02:52: – A lot of business owners fixate on a number they think their company is worth and then are shocked when it isn’t as valuable as they thought, so BizEquity provides transparency to the valuation process for business owners. ● 03:45: – BizEquity uses a simple seven-step process to input your financial data and watch the valuation number dynamically change throughout, then gives you a 20 page valuation report that benchmarks them against industry peers. ● 07:05: – Traditional valuation assessments are only a snapshot in time, but using BizEquity means your advisor can come back to you later and provide updates as the market changes and as your business changes. ● 08:17: – 78% of business owners plan to fund their retirement almost entirely on the value of their business, without knowing what the value of their business actually is. ● 09:41: – $13.2 trillion dollars of business owner wealth is set to transition over the next ten years. ● 11:32: – More and more accountants are coming onto the BizEquity platform and it is a growing vertical for the company. ● 12:22: – The biggest pushback for the company is that their platform does not spit out certified results, because they have no way of verifying that the numbers that business owners are putting into the platform are accurate to begin with. ● 13:22: – BizEquity doesn’t intend to replace certified valuations, but is there to supplement them as a low-cost alternative for business owners to know the approximate value of their business at any point in time without having to go through the arduous process of a certified valuation. ● 14:20: – In Jason Early’s view, it is crucial now more than ever for financial advisors to provide a comprehensive view, aided by technology. ● 15:43: – One of BizEquity’s biggest challenges has been that they have created this market, so there is no one to look to, and education has to be a big component of their product. ● 17:30: – Jason Early is most excited about the potential BizEquity has in the future, as they have only scratched the surface with their 5,000 subscribers. 3 Key Points 1. Most business owners don’t know the value of their business, yet it’s crucial information to have for future planning. 2. Traditional valuation takes a long time, is complex, very costly, and only gives you information about a snapshot in time, whereas BizEquity can provide dynamic results. 3. BizEquity hopes to supplement traditional, certified valuation; Tweetable Quotes: ● “Only 2% of businesses value themselves in a given year, and so none of them have an understanding.” –Jason Early ● “What we believe is that business owners deserve to know their value at any point in time and shouldn’t have to go through a process to get a certified valuation any time they want to know the value of their business.” –Jason Early Resources Mentioned: ● Facebook – Jason Pereira’s Facebook ● LinkedIn – Jason Pereira’s LinkedIn ● FintechImpact.co – Website for Fintech Impact ● https://www.bizequity.com/ – Website for BizEquity Hosted on Acast. See acast.com/privacy for more information.

In this 96th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host welcomes Laurence Cooke, founder of nanopay, a payment platform that allows vendors to settle payments faster than traditional banking infrastructure. Episode Highlights: ● 00:31: – Laurence founded nanopay in 2013 with the goal of creating digital cash as opposed to a cryptocurrency. ● 01:30: – At his former job in telecommunications, Laurence proposed offering free access to a SIM card so they could control all transactions and monetize it later, but the company wanted to determine how to monetize it first. ● 01:57: – Jason agrees, using Facebook as an example of a company that got millions of people in their network for free and monetized later once they had a foundation. ● 02:25: – Infrastructure used to require huge upfront costs for hardware, but now infrastructure is software and is much easier and cheaper to implement. ● 03:00: – Jason points out that paying with a credit card is like a game of roulette, where you don’t know if it will be chip and PIN, swipe, contactless pay, Apple Pay, whether you will be asked for a signature, etc. ● 04:08: – Laurence says that in Canada, there are about $50 billion in payment friction. ● 04:57: – The poorest people end up paying the most for basic services. ● 05:15: – nanopay’s goal is to make their money from the wealthiest people so they can offer free transactions to the poorest people. ● 05:50: – Most improvements in payments have been in user interface and user experience, rather than the underlying infrastructure. ● 06:32: – nanopay uses centralized blockchain technology rather than distributed. ● 07:29: – Their infrastructure can do 60,000 transactions per second on a laptop, as compared to current infrastructure that can’t do 50,000 transactions per second. ● 08:04: – nanopay’s cost per transaction per second is almost 100,000x cheaper. ● 09:40: – Payments should work 100% of the time, like cash in a digital format. ● 10:38: – nanopay focuses on solutions for banks and accounting firms rather than individual businesses, although a business can sign up using their SaaS platform. ● 12:30: – To be a competitive business today, you need good telecom infrastructure and a good and thriving payment ecosystem. ● 14:50: – For banks to compete against cryptocurrency to maintain the sovereignty of their currency, they have to digitize their currency. ● 18:20: – You always have to be investing in cybersecurity in order to stay competitive. ● 18:48: – They want to eventually open source all of their user interfaces. ● 19:30: – nanopay allows for cloud deployment, and most of their business is in the cloud because it’s a much faster and easier way to innovate. ● 20:39: – Major banks dealing with hundreds of billions of dollars of transactions and needing to manage cash flow and liquidity implement the infrastructure on premise and not in the cloud. ● 22:00: – We have to get away from the mindset that we can’t innovate without permission. ● 23:39: – Their biggest challenge has been wanting to move quickly, but have been delayed by regulatory issues in dealing with people’s money. ● 24:18: – Most of their opportunities are abroad and not in Canada. ● 26:08: – Laurance is most passionate about making a difference on a global scale. 3 Key Points 1. Building a base for free and monetizing later sounds backwards but often has much longer-lasting effects, like with Facebook. 2. Most improvements to payment technology has happened at the user experience level and not the underlying infrastructure where innovation is more sorely needed. 3. Not being competitive in this market will lead to a devaluation of currency in favor of cryptocurrencies or other options with better, more trustworthy, faster infrastructure. Tweetable Quotes: ● “It’s absurd that you can send a wire and not know where it is for days on end, and that can be a $16 million wire, but you know where your pizza is, which is only 16 bucks, to the second.” –Laurence Cook ● “We are passionate about making a difference at a global scale. Every morning I wake up excited and challenged to try and take this business globally. There are not many Canadian companies that are global, but I think we can achieve that.” –Laurence Cook Resources Mentioned: ● Facebook – Jason Pereira’s Facebook ● LinkedIn – Jason Pereira’s LinkedIn ● FintechImpact.co – Website for Fintech Impact ● nanopay: Website, Twitter  Hosted on Acast. See acast.com/privacy for more information.

Summary:In this 95th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host welcomes Thomas William Deans, founder of the Willing Wisdom Index and author of Every Family’s Business, about how his tool helps both clients and advisors improve outcomes. Episode Highlights: ● 00:43: – The Willing Wisdom Index is a client advising tool used as a conversation starter. ● 01:34: – 80% of inherited money is taken to a new financial advisor because no one reaches out to the surviving family. ● 03:00: – His main message in his book Every Family’s Business is that you shouldn’t gift your family business to your kids; they should have to risk their own financial capital to buy it. ● 03:42: – Family business owners are less likely to have a will. ● 05:48: – Leaving your estate in disarray when you die can create so much future resentment from surviving family. ● 06:22: – Half of all financial advisors don’t have their own will, or financial succession planners without their own financial succession plan. ● 08:13: – Using the Willing Wisdom Index gives you a checklist to go through, and then provides you with your to-do list to work on with your financial advisor and takes about 8 minutes. ● 11:09: – The advisor should have copies of all the documents so that when a client gives instruction, you can make sure it isn’t conflicting or nullifying other documents. ● 11:53: – The risk of problems arising increases with older clients who may have some level of dementia, so not only do the clients need to be protected, but there are obvious business liability issues as well. ● 13:41: – Advisors get better results when there is transparency with the clients and they share their report from the Willing Wisdom Index with their clients. ● 14:30: – Using the tool isn’t about getting a perfect will immediately but about gaining confidence and comfort with the subject in order to be able to revisit it each year. ● 16:20: – The Index makes recommendations to increase your score, like ensuring the client has a lawyer, power of attorney documents, a healthcare directive, etc. ● 17:15: – Advisors should be having family meetings so they get to know the spouses and children money is being left to in wills. ● 18:02: – Even the children with average wealth who are seen as unprofitable clients are the future big ticket clients because they are the ones who will end up with the inherited wealth. ● 19:30: – The Index serves as a prospecting tool as well because you can simply share the link for those who are curious. ● 20:50: – When advisors say they’re looking for clients with high net worth, Tom asks what they’re doing to attract families. ● 23:06: – It is much harder to disregard someone’s wishes when they have told you directly, face-to-face, in a family meeting, than it is to ignore a piece of paper. ● 24:58: – Tom wishes more advisors had the confidence to do their own estate planning. ● 28:26: – Tom suspects that people with a will tend to live longer because of reduced stress, contradicting the superstition that it hastens death. ● 30:56: – Success in the industry tends to be measured by production not client outcome or retention. 3 Key Points 1. Client retention is achieved through referring family members, which will happen organically through the process of estate planning. 2. Advisors can improve client relations through transparency and personal stories of following their own advice. 3. Having difficult conversations now has massive payoff later when you’re dealing with the death of a loved one. Tweetable Quotes: ● “I love the advisors who are in the business of succession planning with their clients yet they have no succession plan of their own. It’s like, do you go to a chef who doesn’t eat his own cooking?” –Tom Deans ● “It’s one thing to hear it on a piece of paper from a lawyer, it’s something else entirely for us to sit down and for them to hear from mom and dad directly. It’s a lot harder to disregard that wish when it’s told to you.” –Tom Deans Resources Mentioned: ● Facebook – Jason Pereira’s Facebook ● LinkedIn – Jason Pereira’s LinkedIn ● FintechImpact.co – Website for Fintech Impact ● https://willingwisdom.com/ ● Tom Deans: Twitter, Linkedin, YouTube Hosted on Acast. See acast.com/privacy for more information.

Summary:In this 94th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Samantha Ettus, Founder and CEO of Park Place Payments, a company that markets and distributes payment solutions to small businesses around America. Samantha explains her background in media and as an author, how and why she built Park Place Payments, and the ways she has enabled a work staff that has needed opportunities. Episode Highlights: ● 00:26: – Samantha Ettus explains Park Place Payments. ● 01:35: – What is Samantha’s career history? ● 06:42: – Samantha explains what is involved in payment processing. ● 11:12: – What is involved on the tech side of Park Place Payments? ● 13:08: – How has Samantha established such incredible growth in her business? ● 15:47: – What type of work-life balance has Park Park Payments provided its work staff? ● 19:37: – What has been the feedback from people Park Park Payments has hired? ● 22:18: – If there is one thing she could change about her industry, what would it be? ● 23:00: – What has been the biggest challenge to get where she is at? ● 24:30: – What gets Samantha excited and in a rush to wake up in the morning? 3 Key Points 1. Park Place Payments has a sales force of about 100 account executives that sell to their local communities. This sales force will expand to 1000 by next year. 2. Park Place Payments aims to keep clients for 10-20 years. The industry average is turning over payment processors every three years. 3. Park Place Payments uses Elavon on the backend tech side of their business. Elavon also powers Costco. Tweetable Quotes: ● “I launched a payment process company that offers a rate card, which, hard to believe in this industry is rare. We have one rate card. We don’t negotiate. We offer fair rates, the first time.” – Samantha Ettus ● “One of the things that makes us super unique is our sales force, which is made up of people who typically have not been in the payments industry before. So, I have called them from other industries.” – Samantha Ettus ● “The worst thing in the world when you run a business is to have something that falls apart or goes wrong and there is no one there to fix it.” – Samantha Ettus Resources Mentioned: ● Facebook – Jason Pereira’s ● LinkedIn – Jason Pereira’s ● FintechImpact.co – Website ● samanthaettus.com - Website ● Samantha Ettus: Linkedin Instagram Twitter Facebook ● parkplacepayments.com - Website Hosted on Acast. See acast.com/privacy for more information.

In this 93rd episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host speaks at the IPC Technology Panel with moderator Adam Felesky and fellow panelists Dave Nugent, Daniel Eberhard, & Zack Brown. Episode Highlights: ● 01:10: – Jason Pereira introduces himself as a technophile and host of this podcast. ● 02:18: – Dave Nugent introduces himself as part of the founding team of Wealthsimple. ● 04:04: – Daniel Eberhard introduces himself as the founder and CEO of KOHO, a competitor bank. ● 05:07: – Zack Brown introduces himself as part of the Dialogue team, a service that works with employers to provide their services to employees. ● 07:30: – Discussing how they use technology to improve marketing efforts and how small, incremental technological improvements have a cumulatively big impact. ● 10:20: – There’s a common misconception that technology is only used by people in their 20s, but many of these platforms have users in their 80s. ● 11:30: – Parents are now relying on their millennial children to do the research and influence their choices instead of the other way around. ● 13:10: – Zack Brown talks about how Dialogue has expanded from being about physical health towards mental health and overall wellness. ● 18:20: – The evolution in the financial services industry is a consolidation of services into one account, where in 20 years there will no longer be any need for separate Chequing and Savings accounts. ● 23:00: – Clients are going to choose the solution that’s best for them, so companies have to leverage technology to make their products scalable to attract the largest number of customers possible. ● 26:08: – The thing that most often derails a financial plan is unanticipated health issues. ● 28:58: – Fintech is moving towards helping people spend less time on the “stuff” of what they do and more time on developing the human relationships. ● 33:50: – Audience questions begin. ● 36:35: – Companies that survive see their value in more than just the heavy lifting and logistics, because clients could just go to a robo-advisor for that. ● 41:35: – Most fintech companies won’t be profitable for a period of time at the beginning, so investors are looking at what pain point they are looking to solve. 3 Key Points 1. Age has less to do with the adoption of fintech than one might expect. 2. Financial services seem to be moving towards consolidation and simplification. 3. There is a significant intersection between health and financial services. Tweetable Quotes: ● “Know your value. Be confident in your value.” ● “We’re not just selling technology, we’re selling a human service. And if we can use technology to make humans more efficient which I think is ultimately what you all are trying to do here, then we’ve succeeded.” –Zack Brown Resources Mentioned: ● Facebook – Jason Pereira ● LinkedIn – Jason Pereira● FintechImpact.co – Website for Fintech Impact ● https://www.wealthsimple.com/en-us/ ● https://www.koho.ca/ ● https://www.dialogue.co/en  Hosted on Acast. See acast.com/privacy for more information.

In this 92nd episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host welcomes back Randy Cass (Nest Wealth) and David Faulkner (RazorPlan) about their company’s merger and how fintech can be used to holistically improve clients’ lives. Episode Highlights: ● 00:58: – Nest Wealth was one of the earliest robo-advisor platforms. ● 01:35: – Razor Plan offers financial planning software and has become the number one platform of independent financial advisors. ● 02:21: – Their merger felt destined to happen. ● 04:04: – The Razor team was brought into Nest to combine their different expertise. ● 08:35: – The ultimate goal for the partnership between Nest and Razor is to create a holistic approach to financial planning that’s adaptable and reflects assets in real time. ● 09:58: – Financial advisors spend their time accumulating data, planning, and on the implementation of that plan. ● 10:16: – Their goal is to decrease the amount of time it takes to generate the plan and to automate and scale the implementation. ● 12:17: – Data shows that where human financial advisors add value over robo-advisors is in human interaction. ● 19:05: – Even if you create a so-called “easy button” for generating a plan, the human advisor on the other end still needs to understand all the factors going into the plan being generated and how that plan will hold up for the client in future years. ● 22:00: – No small thing is just that small thing, because it doesn’t exist in isolation, it interacts with all the other financial factors going on. ● 24:09: – They want to invest in Advisor Intelligence, which breaks down the most prevalent advisor rules of thumb and automates them. ● 26:12: – Doing this doesn’t standardize the advice given to people, but it does help to eliminate some of the most common errors that come up. ● 28:40: – Siloed information and lack of communication is what has impeded the growth of the financial planning industry. ● 29:19: – What they most want to see in the industry is the aggregation of data and the ability, using advisor intelligence platforms, to ensure that people are getting the appropriate advice for the moment they’re in. 3 Key Points 1. Automating the planning and implementation of financial advising will never replace the value of human interaction. 2. Technology supplements the human intelligence beyond what it’s capable of, and the human judgment and understanding of context and the nuances of each client supplement the technology. 3. Great financial advising, when paired with fintech, can provide flexibility and freedom to millions of people. Tweetable Quotes: ● “We want to make sure that the right advice gets right person at the right time, and the right person is every Canadian that has a vested interest in their financial outcome.” –Randy Cass ● “What we're doing can have such a meaningful material difference when we execute well on it, when we see distribution of the solution; it's really the most exciting thing I've ever worked on in my career.” –Randy Cass Resources Mentioned: ● Facebook – Jason Pereira● LinkedIn – Jason Pereira● FintechImpact.co – Website ● https://www.nestwealth.com/ ● https://razorplan.com/ ● Randy Cass: Twitter, Linkedin ● David Faulkner: Twitter, Linkedin  Hosted on Acast. See acast.com/privacy for more information.

In this 91st episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host speaks at the IAFP Conference on Fintech & The Future of Finance.Episode Highlights:02:35: – What is Fintetch? Two words: financial technology.04:20: – There are more than 48 Fintech “unicorns,” or private companies worth over $1 billion.05:00: – Digital banking is being challenged by startups.06:42: – The biggest global giant companies have also been making moves into financial services.10:10: – Companies are re-engineering their systems to build compliance into their process.11:20: – Companies are discovering new ways to leverage and monetize data with AI to detect fraud.17:00: – Lending Circle collected enough data on loan payback based on FICO scores that they were able to take it and build their own risk scoring system.19:51: – An insurance company in China that has existed for 3 years has over 400 million customers, 53% under the age of 35, by existing entirely in the cloud and on platforms millennials frequent, like WeChat.21:30: – There is a fourth industrial revolution coming, that will blur the lines between the physical, digital, and biological.23:00: – Engineers at Google have supposedly achieved quantum superiority, using a quantum computer to solve in 3 minutes and 20 seconds a problem that a current supercomputer would have taken 10,000 years to finish.24:06: – CRISPR technology allows scientists to go inside your DNA and make genetic alterations to cure diseases.24:50: – Other examples of fourth industrial revolution technologies are 3D printing, the Internet of Things, and power generation.26:33: – Facebook created their own cryptocurrency which threatens countries’ abilities to control their own currency.29:50: – Domino’s Pizza reinvented themselves by removing all friction from their purchase path and overall experience, and they now see themselves more as a tech company than a food franchise.35:02: – Technology can do the work of multiple people, saving you money and increasing your efficiency, but there is a learning curve to using it.39:36: – After implementing an automated appointment scheduling system at his company, he saved his assistant enough time that he could instead have her invest time in social media marketing, which made up for the cost of the calendar software in new business.43:12: – The most effective way to implement technology into your business processes is to identify where you and your employees are spending time on things that are not client-facing and find ways to automate.3 Key PointsWe are approaching a fourth industrial revolution that will once again change our technological infrastructure in ways we can’t predict.Investing in technology not only helps you with efficiency in the short term but it puts you ahead of your competitors for future developments.You can accomplish massive changes and increase your company’s productivity by taking small steps. Tweetable Quotes:“Facebook, the company that’s proven we can’t trust them with pictures of our dogs, wants us to trust them with our money. And they have created their own cryptocurrency called Libra.” –Jason Pereira“In the future there will only be two types of companies: Tech companies and dead companies. If you fail to leverage technology, everyone else will have an advantage over you.” –Jason Pereira “We have a lot of challenges coming our way & failing to adapt is only going to put you behind the 8-ball more every year. You don't need to reinvent your practice overnight. Take small, incremental steps that will one day have a very large impact on your firm.” –Jason Pereira Resources Mentioned:Facebook – Jason Pereira’s FacebookLinkedIn – Jason Pereira’s LinkedInFintechImpact.co – Website for Fintech ImpactThe Big Nine – book on artificial intelligenceCapterra – Website to find business softwareFiverr – Digital freelancer platformZapier – API database for tools you already use Hosted on Acast. See acast.com/privacy for more information.

Summary:In this 90th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Andrée Simon, President and CEO of FINCA Impact Finance. FINCA provides microfinance loans in developing communities across 20 countries, merging financial services with social impact. Andrée discusses the unique challenges FINCA faces in the developing economies they serve, how technology affects their business model, and why an emphasis on social impact is important to her. Episode Highlights: ● 00:48: – FINCA Impact Finance operates across 20 countries, providing financial services to individuals who don’t have access to traditional banking resources. ● 03:58: – Maintaining a sense of community encourages positive financial behaviors and gives FINCA a high rate of return and success on the loans they distribute. ● 04:50: – Most of their over 10,000 employees are on the frontlines, interacting with clients directly in areas where traditional banks won’t invest in new branches. ● 06:50: – They are able to make credit decisions on the spot for many clients with the aid of technology like tablets replacing analog paperwork. ● 08:10: – FINCA’s return is lower than a purely commercial, profit-driven player because they focus on social impact. ● 11:30: – The risk in this kind of lending comes primarily from natural disasters and other instability that these communities don’t have the support to navigate through. ● 15:10: – We still don’t have the kind of data that would allow us to have a complete picture of a lender’s potential relationship with an individual. ● 16:55: – FINCA is operating in economies where cash is still king, and the cost of data is really high because these communities don’t live in a digitized economy. ● 21:30: – If Andree had one wish, it would be to know exactly which technological investments FINCA should be making. ● 23:11: – The biggest challenge is changing people’s minds about how to operate the business. 3 Key Points 1. Operating as a hybrid of financial performance and social impact has allowed them to evolve and make changes to benefit the clients more quickly. 2. It’s difficult to predict the shocks that can hit developing communities and affect clients’ abilities to pay back in the short term. 3. It’s very difficult to know where to invest in tech because there are so many options that take years and a ton of money to implement. Tweetable Quotes: ● “We are sitting here in this challenging space with our clients because we want to build a better boat.” –Andrée Simon ● “Digital is great for certain things for us today, but in the absence of an ATM network and in the absence of bank branches, mobile is not the answer.” –Andrée Simon ● “When you bring people along and you’re all running in the same direction, it’s really exciting, but you’ve got to keep on laying the rails out there and encouraging everyone to go down the path.” Resources Mentioned: ● Facebook – Jason Pereira’s Facebook ● LinkedIn – Jason Pereira’s LinkedIn ● FintechImpact.co – Website for Fintech Impact ● www.fincaimpact.com – FINCA Website ● https://twitter.com/andreesimon – Andrée Simon’s Twitter  Hosted on Acast. See acast.com/privacy for more information.

Summary:In this 89th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Erin Bury, CEO of Willful. Willful allows people to create their personal wills, online for a fraction of the cost of working with an attorney. Erin and Jason discuss the need for a will and power of attorney documents, the psychological reasons behind the majority of people not having a will, and how Willful is working to make that easier for people to deal with. Episode Highlights: ● 00:30: – Erin Bury explains her company Willful. ● 01:00: – How Erin became interested in the issue after her husband’s family member died unexpectedly. ● 01:50: – Jason and Erin discuss the necessity to streamline the process because things like burial wishes and end-of-life plans are taboo subjects no one likes to discuss. ● 03:17: – How and why Erin and her husband pivoted their original startup into the area of online wills. ● 03:43: – Erin’s background is mostly in marketing/communications, but she had worked with fintech startups in her past work so starting a fintech company was the new challenge she was looking for. ● 05:00: – Jason acknowledges that it must be helpful for the company that their consumer market is 100% of the population because everyone needs a will. ● 08:13: – Willful gives you a PDF of all of your documents with an instructions page on how to sign it to make it legally valid, and then lets you go back in and make updates if you’ve had life changes like the birth of a new child. ● 10:11: – Willful’s main value proposition is its low cost. ● 10:52: – Erin and Jason discuss use cases for Willful and the reality that people with more complex estates and situations will not be able to use Willful’s platform. ● 16:30: – There are people whose situations are so simple and with so few assets that they don’t need a will, but everyone truly needs a power of attorney. ● 19:22: – Erin suggests making a checkup of your will and estate planning documents part of your new year’s routine. ● 21:05: – Erin discusses the reasons people come to Willful. ● 23:00: – Willful partners with an American competitor to send each other customers who end up on the wrong country’s platform. ● 26:27: – Erin talks about the biggest challenge Willful faces, in getting people to think about their mortality. ● 28:48: – Erin is most excited by the idea of shaping our culture around entrepreneurship and startups. 3 Key Points 1. Every living person needs a will and power of attorney documents, but the traditional cost of a will for a simple estate holds people back. 2. Your estate planning documents require routine revisiting to make sure changes in your life circumstances don’t require changes in your will. 3. We’re in an in-between period where there is so much technological capability to make estate planning easier but the law has not caught up yet. Tweetable Quotes: ● “Willful is an online platform that makes it simple, easy, and convenient to create an online will and power of attorney documents from the comfort of your own home for a fraction of the price of visiting a lawyer.” –Erin Bury ● “Amongst parents with minor children, which I would assume would be the group most likely to have wills, 65%, so two thirds of them, don’t have a will.” –Erin Bury ● “We’re not trying to replace lawyers. We recognize that there’s always going to be those complexities and we’re also probably not going to be right for people after 5 or 10 years using our platform. They’re probably going to grow out of using Willful.” –Erin Bury Resources Mentioned: ● Facebook –Jason’s Facebook ● LinkedIn –Jason’s LinkedIn ● FintechImpact.co – Website● Linkedin –Erin Bury ● www.erinbury.com – Erin’s website ● www.willful.co – Website  Hosted on Acast. See acast.com/privacy for more information.

Summary:In this 88th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host discusses Suitability Pro with special returning guest, Shawn Brayman, Founder of Plan Plus. With over twenty-five years of experience, Brayman is an expert in providing investment and financial planning solutions to financial advisors. His newest product, Suitability Pro, aims to improve the lives of advisors and their clients by helping them provide better recommendations almost by default. Episode Highlights: ● 00:42: – What is Suitability Pro? ● 02:53: – What is the entire experience for an advisor using this tool? ● 03:51: – Brayman describes the Suitability Pro dashboard. ● 05:49: – They give an overview of bi-direction communication capabilities within the dashboard. ● 08:53: – Suitability Pro introduces new mechanisms that allow advisors to frame their own professional judgment. ● 10:09: – A key part of Suitability Pro is maintaining suitability. ● 12:38: – Suitability Pro provides value by enabling triggers that help advisors know when to coach clients. ● 14:40: – They discuss caring about client goals over the rate of return. ● 16:22: – Brayman explores how to help advisors provide value without realizing they’re providing value. ● 17:39: – What are possible integrations for the product? ● 23:06: – This product’s new infrastructure will help to avoid conflict that comes when advisors are using different methodologies. ● 25:14: – They review the five University of Georgia case studies and follow up research. ● 25:56: – What biases and traps am I falling into as an advisor? ● 28:08: – Discussion of the challenges of maintaining your own consistency as a professional. ● 28:49: – Pereira reflects on the value of checklists and standardization of procedures. ● 30:55: – “We made things complicated to pretend that they had value.” – Shawn Brayman. ● 33:19: – If he had one wish, what would Brayman change in his industry? ● 34:42: – What was the biggest challenge in building this product? ● 37:05: – What excites you most about what you’re working on? 3 Key Points 1. Suitability Pro introduces new mechanisms that allow advisors to frame their own professional judgment while standardizing their approach. 2. One of the goals in developing Suitability Pro is to help advisors provide better financial advice almost by default. 3. Suitability Pro builds on a legacy of academic excellence as well as the culture that is oriented to best practices in every instance. Tweetable Quotes: ● “Pro is taking the very best that we've learned in goal-based investing, risk profiling, at every level, tolerance for risk, and so on, and all of the pieces around tracking suitability over time." – Shawn Brayman. ● “A planner should know their client better than anyone else in the world.” – Shawn Brayman. ● “It's not only what you do, it's that you articulate how you're doing it and you maintain your own consistency.” – Shawn Brayman. Resources Mentioned: ● Episode 6: Plan Plus with Shawn Brayman ● The LegacyGroup ●FinaMetrica ●Redtail ●Orion ●MoneyGuidePro ● The Checklist Manifesto ● SuitabilityPro ● Shawn BraymanLinkedIn,Twitter  Hosted on Acast. See acast.com/privacy for more information.

Summary: In this 87th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Jordan Atin, Founder of E-State Planner. E-State Planner is an online platform that allows for the collaboration and creation of estate plans and estate planning documents for advisors and lawyers. Jordan talks about the platform's AI-based guide for advisors and how this planning software allows the advisor to focus on advising and less on technicalities. Episode Highlights: ● 00:31– Jordan Atin explains the E-State Planner platform. ● 01:24 – Jordan shares the history of how E-State Planner got started. ● 01:47 – The foundational problems in the traditional system ● 02:34 – From Whiteboard scribble to a digital program. ● 04:20 – The initial experience of using E-State Planner. ● 05:15 – The advantage of visualizing the data on the fly. ● 06:27 – Defining the 3:2:3 Model of estate planning ● 08:26 – The planning process in E-State Planner ● 10:37 – The advantage of the AI helping adisor through the process. ● 14:40 – What E-State Planner generates to benefit the client. ● 16:35 – The future of E-State Planner and integration. ● 17:53 – The advantage of customizing macros. ● 20:01 – The bigger picture for E-State Planner ● 21:35 – How to combat the fear of technology. ● 25:34 – What would Jordan change in his business or in his industry? ● 26:39 – What has been the biggest challenge in his business? ● 28:48 – The ease of use and updating what the platform allows. ● 30:33 - What excites Jordan about what he is doing right now. 3 Key Points 1. E-State Planner takes the traditional system and automates the key processes to make the process incredible. 2. The ability to allow clients to visualize their estate planning and understand it more completely is invaluable. 3. E-State Planner allows the advisor to focus their attention on the client and not as much on the technicalities of drafting the will. Tweetable Quotes: ● “We are collecting all this data, why not turn this into a digitized format.” – Jordan Atin ● “The value that we add is on the advice side. It's the experience, it's the emotional connection, it's the communication. That's where advisors add value.” – Jordan Atin ● “It's so cool for me to take what I do and be able to do in such an efficient manner.” – Jordan Atin Resources Mentioned: ● Facebook – Jason Pereira’s ● LinkedIn – Jason Pereira’s ● FintechImpact.co – Website ● e-stateplanner.com – Website  Hosted on Acast. See acast.com/privacy for more information.

Summary:In this 86th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host discusses IVR with Stacey Zuniga, Vice President of Financial Services at ENACOMM. ENACOMM is a leading provider of innovative, interactive, and intelligent customer-service and assisted-service solutions. This conversation explores many possibilities for the future of voice banking and voice command. Episode Highlights: ● 00:28: – What is the history of ENACOMM and what is the company doing now? ● 02:44: – Let’s talk about some of the previous interfaces for IVR. ● 02:57: – Zuniga describes the evolution from touch-tone to speech recognition to speech-enabled IVR. ● 04:39: – What kind of questions are you dreaming up for Alexa to respond to? ● 05:06: – Zuniga describes using multi-modal interactions and more complicated commands. ● 06:49: – Pereira discusses integrated smart home systems and IVR. ● 08:42: – AI is a cottage industry where growth is outstripping supply in terms of people. ● 09:58: – They compare AI to the crypto industry. ● 11:14: – They discuss how children are growing up in a world with smart systems and voice commands. ● 12:57: – How can this technology be normalized? ● 14:44: – How can you overcome security considerations and user objections? ● 18:24: – Zuniga describes the possibility of a secure authentication cloud that travels with you while integrating biometric data points. ● 22:00: – If you had one wish that would change your industry, what would it be? ● 23:26: – What was the biggest challenge getting the company to where it is today? ● 25:15: – What excites you most about what you’re working on? 3 Key Points 1. ENACOMM is currently producing cutting-edge AI-enhanced voice services and engagement services. 2. ENACOMM sees the world with IVR as a multi-modal world. 3. There’s huge potential for using voice services in security and authentication applications. Tweetable Quotes: ● “We’re able to take that type of technology where it’s contextual, it’s dynamic, it’s personalized, it’s based on what you usually do." – Stacey Zuniga. ● “This platform can be used to ensure security for everyone.” – Stacey Zuniga. ● “That’s what’s exciting today, it to see this technology being adopted more quickly or more rapidly over the next 24-36 months.” – Stacey Zuniga. Resources Mentioned: ●ENACOMM● Stacey Zuniga LinkedIn  Hosted on Acast. See acast.com/privacy for more information.

Summary:In this 85th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Ramin Wright, Investment Analyst at Luge Capital. Luge Capital is a Canadian venture capital fund that focuses on early-stage fintech companies and artificial intelligence solutions applied to financial services. Ramin talks about how Luge Capital began, their investment partners, how they go about vetting potential companies for investment, and what the relationship can evolve into after the investment has been made. Episode Highlights: ● 00:26: – Ramin Wright defines Luge Capital. ● 00:51: – Ramin shares the history of how Luge Capital got started. ● 01:49: – How did Ramin get involved with Luge Capital? ● 02:38: – What does early-stage investment look like for Luge? ● 02:53: – What verticals does Luge Capital invest in and what do they look for? ● 04:35: – How do they go about vetting candidates for investment in the due-diligence stage? ● 05:26: – What does the relationship look like with their backers once the investment has been made? ● 06:00: – Who was their first client? ● 07:53: – What value does open banking have? ● 11:00: – Ramin discusses Luge Capital’s investment in Finaeo. ● 12:08: – What does it take for a start-up to make Luge Capital interested in investing? ● 14:29: – The world of payments needs innovation. ● 15:46: – Ramin talks about banking for kids. ● 17:25: – What does Luge Capital have to say about global identity? ● 20:38: – What are the challenges of having a portable credit score that travels with us? ● 22:23: – Why is frictionless real estate an area that is ripe for needing innovation? ● 24:07: – Ramin and Jason discuss blockchain technology. ● 26:16: – What would Ramin change in his business or in his industry? ● 27:47: – What has been the biggest challenge in his business? ● 30:21: – What is the most exciting thing Ramin Wright is working on? 3 Key Points 1. Luge Capital looks for a strong vision for a company with a strong team that includes entrepreneurs with a global focus, a big appetite for growth, and the ability to execute on large opportunities. 2. Luge Capital is interested in companies that are targeting remaining frictions within the financial services industry. 3. There are typically at least 10 people involved in a real estate transaction that need their own information to get the job done. Tweetable Quotes: ● “Luge Capital is an early-stage fintech venture fund. We invest solely in the fintech vertical and across companies headquartered in Canada and the United States.” – Ramin Wright ● “For us, early-stage, we hang out typically around the seed and A rounds of a company. So our first check into a company will range around the order of a quarter-million to $2 million.” – Ramin Wright ● “Something that we work with that is unique about us is our backers are all large financial institutions and they all have a strong interest in working together with the companies that we invest in.” – Ramin Wright Resources Mentioned: ● Facebook – Jason Pereira’s ● LinkedIn – Jason Pereira’s ● FintechImpact.co – Website● Linkedin – Ramin Wright ● luge.vc – Website ● luge.vc/ideas/ – Luge Capital’s 6 Ideas for Innovation Hosted on Acast. See acast.com/privacy for more information.

Summary:In this 84th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Jamie Hale, Co-Founder and CEO at Ladder Life. Ladder Life is speeding up the often time-intensive life insurance process for customers to around 8 minutes, offering coverage from $100k to $8 million. Jamie shares exactly how Ladder Life life insurance is addressing pain points in the industry to the benefit of consumers, how they are handling underwriting, their investor distribution channel, and selling to the workplace space. Episode Highlights: ● 00:13: – Jamie Hale defines Ladder Life. ● 01:11: – What was the reason Jamie started Ladder Life? ● 03:09: – How is Ladder Life able to approve life insurance in 8 minutes? ● 05:38: – How hard was it to get carriers to work with them? ● 06:29: – How are they tackling the underwriting differently? ● 08:54: – In what way is the confirmation for policies done digitally? ● 09:53: – How should customers go about reducing coverage? ● 10:30: – Have they done many integrations to date? ● 11:26: – How does their investor distribution channel work? ● 13:02: – Jamie Hale discusses how Ladder Life sells to the workplace space. ● 14:38: – Is Ladder Life planning to expand to any other forms of insurance? ● 15:51: – How does Ladder ensure that they are competitive with price competition? ● 17:17: – What would Jamie change in his business or his industry? ● 18:16: – What has been the biggest challenge in his business? ● 19:56: – What is the most exciting thing Jamie Hale is working on? 3 Key Points 1. Ladder Life does all the life insurance underwriting in the background in real-time to give an instant decision. 2. Life insurance needs of customers aren’t static. They change over time. 3. Ladder doesn’t currently show competitor prices. Tweetable Quotes: ● “We are trying to reengineer the life insurance-buying process.” – Jamie Hale ● “People can go to LadderLife.com, figure out what life insurance they need. Go through the application process. Get an instant decision and be done in about 8 minutes.” – Jamie Hale ● “Ladder’s mission is that we believe we’re helping fund the resiliency of families and communities by helping close the coverage gap.” – Jamie Hale Resources Mentioned: ● Facebook – Jason Pereira’s ● LinkedIn – Jason Pereira’s ● FintechImpact.co – Website ● Linkedin –Jamie Hale ● ladderlife.com – Website Hosted on Acast. See acast.com/privacy for more information.

Summary: In this 83rd episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Corey Westphal, CEO at Mobile Assistant. Mobile Assistant is an app that enables financial advisors to dictate notes for transcription and later for integration with CRM software. Corey discusses the process of the user experience for Mobile Assisted customers, how Mobile Assistant manages to provide accuracy for their dictation, the various range of templates that are possible, and the feedback that Mobile Assistant has received from advisors. Episode Highlights: ● 00:43: – Corey Westphal defines Mobile Assistant. ● 02:47: – What does the user experience of the process look like? ● 06:01: – Corey discusses compliance, CRMs, and the ability to design templates. ● 07:58: – Has he had any conversations around templating and machine learning? ● 09:45: – Does Mobile Assistant utilize AI? ● 11:15: – Technology for dictation may be used to a degree but there will always be a need for the human component for incredible accuracy. ● 12:26: – What type of turnaround time does Mobile Assistant offer? ● 14:12: – What are the different methods of delivery? ● 17:17: – Has there been any pushback for confidentiality and security issues? ● 19:47: – Do clients request the actual recording itself? ● 20:40: – What kind of feedback has Mobile Assistant been getting? ● 26:16: – What would Corey Westphal change in his business or in his industry? ● 29:39: – What has been the biggest challenge in his business? ● 31:45: – What is the most exciting thing Corey Westphal is working on? 3 Key Points 1. Mobile Assistant doesn’t utilize any AI in their platform yet. 2. The email delivery that they start with is done through a TLS encryption protocol so the dictation is secure and accurate. 3. If you wait even an hour after a meeting to dictate notes, 2⁄3 of your short-term memory is gone. Tweetable Quotes: ● “Mobile Assistant is designed to provide financial advisors primarily an easy, accurate way of documenting their client meetings.” – Corey Westphal ● “Instead of just hitting the record button, speaking, and free-form dictating your notes. Now you will be able to go into ‘The Assistant’ and be able to pick a template.” – Corey Westphal ● “We promise 8 business hours turnaround time. We operate at more like 4-5 business hours.” – Corey Westphal Resources Mentioned: ● Facebook – Jason Pereira’s ● LinkedIn – Jason Pereira’s ● FintechImpact.co – Website ● Linkedin –CoreyWestphal ● Mobileassistant.us – Website Hosted on Acast. See acast.com/privacy for more information.

Summary:In this 82nd episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Simon Boulet, Founder and CEO at Wealthica. Wealthica is an investment aggregation platform that allows you to consolidate all of your different investment accounts in one easy-to-use platform with intelligence and triggers that help you to make better actionable decisions. Learn how this company was started and the value it has to offer. Episode Highlights: ● 01:25: – Simon Boulet defines Wealthica. ● 01:53: – What was the reason Simon started Wealthica? ● 04:39: – How did Simon start tackling the value proposition of Wealthica? ● 06:59: – What are the feature sets that Wealthica is offering? ● 10:55: – How does Wealthica monetize? ● 12:25: – How does Wealthica work on the transaction side? ● 13:46: – What is the cash drag alert? ● 17:24: – What was the driving factor for the Google Sheets add-on? ● 20:59: – What are Simon Boulet’s opinions on open banking? ● 31:51: – What would Simon Boulet change in his business or in his industry? ● 33:45: – What has been the biggest challenge in his business? ● 35:22: – What is the most exciting thing Simon Boulet is working on? 3 Key Points 1. Wealthica built their own backend from scratch and can connect to financial institutions to receive data. 2. Wealthica’s dashboard is free but they monetize in three ways: paid ad-ons, a white-label version, and selling the use of their engine to others. 3. Financing and having remote employees have been challenges. Tweetable Quotes: ● “Wealthica is a pre-dashboard for investors to see all of their investments in a single passport.” – Simon Boulet ● “We built Wealthica from the ground up: multi-currency, multi-language, with all the Canadian subsidies.” – Simon Boulet ● “We are really building from the investor side of things. We are trying to simplify things.” – Simon Boulet Resources Mentioned: ● Facebook – Jason Pereira’s ● LinkedIn – Jason Pereira’s ● FintechImpact.co – Website● LinkedIn –Simon Boulet ● Wealthica.com – Website Hosted on Acast. See acast.com/privacy for more information.

Summary:In this 81st episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Aashu Virmani, Executive Vice President at Fuzzy Logix and FastINDX. Fuzzy Logix is a big data management platform that applied artificial intelligence to extremely large sets of data in a very fast and efficient way that helps businesses with a variety of tasks. Hear about how Fuzzy Logix, along with FastINDX creates custom indexes that can be screened on many different parameters that match a client’s value proposition. Episode Highlights:●  00:56: – Aashu Virmani defines Fuzzy Logix.●  04:10: – What is the specific analytic that they have accelerated? ●  06:45: – What does FastINDX do?  ●  12:40: – Which timeframe is Aashu’s company able to shrink for clients? ●  15:12: – For testing securities, are the other datasets they can overlay to find correlations? ●  20:00: – Data doesn’t show a performance lag. ●  21:18: – Aashu explains how the operations and day-to-day-maintenance works. ●  25:37: – How does FastINDX go about producing reports and fact sheets?●  28:39: – What would Aashu Virmani change in his business or in his industry?●  30:06: – What has been the biggest challenge in his business?●  31:51: – What is the most exciting thing Aashu Virmani is working on?3 Key Points1. Fuzzy Logix’s customers are typically in the financial world or in healthcare. 2. FastINDX does three things well: creation ideation, reconstituting portfolios, and producing reports and fact sheets.  3. At the very minimum, they do 11-year back tests for portfolios.  Tweetable Quotes:● “We found an unmet problem that wasn’t solved in the market, and that was ultra-high-performance analytics, or machine learning when the data sets become really large.” – Aashu Virmani ● “We essentially flipped the approach and said, ‘hey, instead of moving all this data, why don’t we just move some code to the data?” – Aashu Virmani ● “If you go to emerging markets you start to get clean data really only from 1991 onward. But when you’re talking about the big companies like SP500s etc. you can easily go back to the inception and you will have some good clean data.” – Aashu Virmani  Resources Mentioned:● Facebook – Jason Pereira’s ● LinkedIn – Jason Pereira’s● FintechImpact.co – Website ● Aashu Virmani – Linkedin Hosted on Acast. See acast.com/privacy for more information.

In this 80th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Perry Rahbar, CEO and Founder of dv01, a data management, reporting and analytics platform that brings transparency and insight to lending markets to help them become more efficient for institutional investors and safer for the world. Perry shares how dv01 began, their various tools including market surveillance and portfolio management options, and how the financial industry will benefit. Episode Highlights: ●     00:32 – Perry Rahbar defines dv01.●     01:54: – How did Perry get started with dv01? ●     05:36: – Where is the data being sourced?  ●     07:06: – What does dv01 offer to make financial planner’s lives easier? ●     09:53: – Perry explains the market surveillance and portfolio management                           tools that are available.  ●     15:04: – Online lenders get a lot of flack for having poor performance but                           they are very accountable in real-time. ●     16:53: – Perry and Jason discuss the transparency dv01 provides and the                           problem with basic spreadsheets. ●     22:13: – What would Perry Rahbar change in his business or in his                           industry?●     23:52: – What has been the biggest challenge for Perry in his business?●     27:43: – What is the most exciting thing Perry Rahbar is working on?3 Key Points1. dv01 has loaded up the credit risk transfer universe in the Fannie Freddie world which is a $1.8 trillion market. 2. One of the biggest growth drivers at dv01 has been what they have done in securative reporting called a loan data agent.3. Perry wishes capital markets would have an interest in being more forward-thinking and get past the status quo mindset.    Tweetable Quotes:●  “dv01 is the first end-to-end data management, reporting, and analytics platform in the lending market.” – Perry Rahbar●  “I think where we differentiate ourselves from any other vendors in the space is really that focus on low-level data and making it super accessible and web interface where people can really answer their own questions.” – Perry Rahbar●  “We have a data surveillance off-market surveillance offering which is the whole consumer universe, all the different originators being able to access performance on that.” – Perry Rahbar Resources Mentioned:● Facebook – Jason Pereira’s Facebook● LinkedIn – Jason Pereira’s LinkedIn● FintechImpact.co – Website for Fintech Impact● Perry Rahbar – Linkedin Hosted on Acast. See acast.com/privacy for more information.