Mighty Finsights

Host - Rory Holland - cstmr.com - Linkedin: CSTMRInterviewed - David Benskin - wealthaccess.com - LinkedIn: Wealth AccessWant to be a part of the podcast? Contact Rory today!In This EpisodeIn this episode, Rory Holland sits down with David Benskin, the founder and CEO of Wealth Access, to explore the grit required to change the way financial institutions use their data. David reflects on his 13-year journey as CEO, from his early days at Merrill Lynch to navigating the global financial crisis and launching a platform to solve the fragmented data problem plaguing financial institutions, wealth advisors, and clients alike.They discuss the decision to rebrand from a data aggregator to a connected intelligence platform, the vital role of clean data as a foundation for AI, and why technology should empower—not replace—the human element of financial advice. Beyond the boardroom, David shares how coaching his kids in wakeboarding mirrors the responsibilities of a CEO.

Host - Rory Holland - cstmr.com - Linkedin: CSTMRInterviewed - Chris Levy - pursuitlending.com - LinkedIn: PursuitWant to be a part of the podcast? Contact Rory today!In This EpisodeIn this episode, Rory Holland sits down with Chris Levy, President and CEO of Pursuit, a mission-driven community development financial institution (CDFI). Chris shares his remarkable homegrown journey, rising from a summer intern to the head of the organization in just over a decade.They dive into the discipline required to complete a law degree while working full-time, the strategic decision to rebrand a 70-year-old institution to unify its identity, and Pursuit’s pivotal role in deploying $780 million in PPP loans to small businesses. Chris also reflects on the human side of leadership—balancing a high-stakes career with the transition to first-time fatherhood and the value of embracing tough feedback to grow as an executive.

Host - Rory Holland - cstmr.com - Linkedin: CSTMRInterviewed - Jack MacyDownload the Definitive Buyer’s Guide for Hiring a Financial Marketing AgencyWant to be a part of the podcast? Contact Rory today!In This EpisodeIn this special episode of Mighty Finsights, host Rory Holland is joined by CSTMR co-founder and COO Jack Macy to pull back the curtain on the agency selection process. Drawing from decades of experience on both the client and agency sides, Rory and Jack discuss the Agency Buyer’s Guide, which is a strategic framework designed to help fintech and financial services leaders find the right marketing partner. They explore the three essential themes of connection, credentials, and collaboration while identifying the red flags that often lead to failed partnerships. Whether you are scaling a mature business, modernizing a legacy brand, or launching a new product, this conversation provides the practical wisdom needed to move beyond passive execution firms and find a strategic operator invested in your long-term success.

Host - Rory Holland - cstmr.com - Linkedin: CSTMRInterviewed - Levi King, Nav.com, LinkedIn: NavWant to be a part of the podcast? Contact Rory today!In This EpisodeIn this episode, host Rory Holland sits down with Levi King, the serial entrepreneur and visionary behind Nav. Levi’s story is a masterclass in building a mission-driven brand, starting with the deeply personal "pact" he made to secure the Nav.com domain to honor a small business legacy. The conversation moves far beyond typical fintech metrics, diving into the "brutal" 360-degree feedback exercise that transformed Levi from a boss into a leader at age 26. He also speaks transparently about his personal journey with mental health and panic attacks, advocating for a leadership style rooted in psychological safety and empathy. From his Main Street roots fixing electric signs to raising $100 million in venture capital, Levi provides hard-won insights on navigating the complex world of business credit and the human side of leadership.

Host - Rory Holland - cstmr.com - Linkedin: CSTMRInterviewed - Joey Bouchard, QuoteWellWant to be a part of the podcast? Contact Rory today!In This EpisodeIn this episode of Mighty Finsights, host Rory Holland sits down with Joey Bouchard, Founder and CEO of QuoteWell, to discuss the modernization of the wholesale insurance industry. Joey shares his journey from the high-stakes environment of Palantir to solving the Gordian Knot of insurance quoting. They explore the Human+ model—a philosophy that uses technology to empower brokers rather than replace them. Joey explains the importance of the underdog mindset, the value of choosing applied learning over traditional academia, and why the clearinghouse for risk is ripe for digital transformation. Whether you're interested in insurtech innovation, tactical leadership advice, or the connection between dating and sales Joey’s perspective is well worth a listen.Key TakeawaysThe "Human+" Philosophy: Success in insurtech isn't about total automation; it’s about using technology to remove friction so human brokers can focus on high-value relationships.The Underdog Mindset: Joey highlights how his hatred of losing and intense work ethic—honed as a non-Ivy League recruit at Palantir—drive his success at QuoteWell.Solving the Data Gap: QuoteWell was born from the realization that wholesale insurance lacks standardized data, creating a massive opportunity.Wholesale Insurance as a Clearinghouse: Despite being a legacy sector, wholesale brokers facilitate 25% of commercial transactions, making them a critical infrastructure for the economy.The Power of the Caesura: Joey discusses the importance of "taking a beat" or a pause before making major decisions to ensure clarity and strategic alignment.Applied Learning vs. MBA: Joey explains why he chose a hands-on strategy role at Aon to learn the messy reality of insurance instead of pursuing a traditional graduate degree.Mission-Driven Work: Innovation in insurance isn't just about software; it’s about the real-world impact of ensuring businesses can survive catastrophic losses.Chapters00:00: Young, and Determined02:14: Introduction with Rory Holland03:30: Austin Eateries and Sales Wisdom08:05: The Hunter Mountain ACL Incident11:15: The Palantir "Bootcamp" Experience14:15: Learning Perseverance and Grit17:45: The Decision to Tackle Insurance20:45: Five Countries in Five Days23:30: Niche Expertise as a Career Catalyst25:30: Growing Up in a Pawn Shop28:30: The Pawn Shop Bait Counter and Samurai Swords31:15: A Legacy of Hard Work34:00: Defining QuoteWell and Wholesale Brokerage39:15: Building the "First 30"43:00: Empowering Brokers44:45: Corporate Consolidation vs. The Collaboration Economy49:15: Why Mission Matters53:30: The Ruthless Elimination of Hurry57:30: Connecting with QuoteWell58:33 Closing Remarks with Rory Holland

Host - Rory Holland - cstmr.com - Linkedin: CSTMRInterviewed - Jack Macy, Brendan Bresnahan, Romina Gomez Want to be a part of the podcast? Contact Rory today!In This EpisodeJoin Rory Holland and a panel of CSTMR specialists—Jack Macy, Brendan Bresnahan, and Romina Gomez—for a deep dive into the world of digital discovery. As AI tools like ChatGPT and Google’s AI Overviews challenge conventional search tactics, financial brands must shift to a mindset that expands brand visibility across digital channels.In this episode, the team introduces Discovery Optimization, a strategic framework encompassing SEO, Answer Engine Optimization (AEO), and Generative Engine Optimization (GEO). You’ll learn how to leverage your brand’s authority to win in the new AI-enabled ecosystem, why the fundamentals of quality content matter more than ever, and how to protect your brand from channel volatility. Whether you are a fintech founder or a marketing leader, this discussion provides the roadmap for staying discoverable and trusted in the age of artificial intelligence.Key TakeawaysSEO is evolving, not going away: Traditional search remains massive, but it is now part of a larger, more fragmented digital ecosystem that includes AI chatbots and voice search.Total visibility mindset: Brands must stop thinking about "SEO vs. AI" and instead focus on total brand visibility across all possible discovery channels.Understanding SEO, AEO, and GEO: Discovery Optimization integrates Search Engine Optimization (SEO), Answer Engine Optimization (AEO) for AI features, and Generative Engine Optimization (GEO) for citations in tools like ChatGPTFundamentals still fuel consumer discovery: What works for SEO—high-quality, authoritative content—is also what powers success in AEO and GEO.Authority is the gatekeeper: For "Your Money or Your Life" (YMYL) financial topics, showing Experience, Expertise, Authoritativeness, and Trustworthiness (E-E-A-T) is essential to be cited by AI.Consistency across channels: To build trust, financial brands must maintain messaging consistency across their blog, YouTube, press coverage, and community forums.Gen Z is leading the shift: Adoption of AI search is highest among younger demographics, with 76% of Gen Z and younger millennials trusting AI answers over traditional search results.YouTube is a discovery engine: YouTube is increasingly critical, accounting for a significant percentage of impressions and mentions in AI-generated overviews.Chapters00:00 Discovery Optimization and the Evolution of Online Visibility05:55 Navigating the "Acronym Soup" of Modern Search14:20 Owning Your Channels: Why Consistency Is Key for Financial Brands18:40 Gen Z and the Future of Search Preferences23:07 Content for People, Not Machines 28:50 Looking Ahead: The Future of Digital Discovery35:44 Outro

Host - Rory Holland - cstmr.com - Linkedin: CSTMRInterviewed - Frank T. Young, Frank’s Substack  Want to be a part of the podcast? Contact Rory today!In this EpisodeEpisode 32 of Mighty Finsights features Frank T. Young, strategic advisor, angel investor, and former executive at Google and Global Payments. He joins Rory Holland to discuss what it’s liking building products at some of the biggest names in financial technology. This conversation tackles pivotal moments in payments modernization, including an insider look at why Google Wallet failed to secure a business model where Apple Pay succeeded. Young offers candid analysis on the fundamental culture clash between fast-moving tech and slow, regulated financial institutions, and explains how adaptive leadership is key to navigating that divide. He also shares personal stories—like a piano recital that helped him get hired at Google—and how Kobe Bryant’s Black Mamba ethos influences his approach to consulting.Key TakeawaysThe role of Embedded Fintech: The highest standard of user experience in payments is one that is largely "invisible" (embedded fintech), allowing users to focus on commerce, not transactional complexity.Data vs. Privacy-First Business Models: The fundamental psychological problem for Google Wallet was that bankers did not trust Google with their data, an issue Apple circumvented by positioning itself as the "antithesis of Google" on data.Take the Time to Correctly Define Problems: A critical leadership lesson in consulting is to never misdiagnose an adaptive problem (like cultural readiness for change) as a technical problem.Market Dominance Does Not Equal Brand Recognition: Global Payments, despite massive growth, struggled to establish brand recognition as a "value-added service provider" due to insufficient investment in marketing.The Willingness to Become a Student Again: Young's personal story of a piano recital at age 39—on the day his daughter was born—illustrated the humility and relentless improvement necessary for leadership.Banks Require Technological Consistency: Google's internal "engineering cycle" often led to new teams re-architecting and re-engineering products soon after launch, sometimes hindering operational continuity.Chapters00:00 Introduction and Dunkin' Donuts Discussion01:17 Interview - Start02:23 How Frank Young Ended Up at Google 05:42 Unfolding the Google Wallet Experience08:45 Why Google Wallet Struggled to Gain Traction with Partners12:38 The Philosophy Behind Apple Pay's Rise to Dominance13:50 Rory Holland - Commentary14:20 The Philosophy Behind Apple Pay's Rise to Dominance - Continued15:18 Transitioning from Google to Global Payments19:13 Frank's Decision to Learn Piano at Age 3921:58 Creating the Googley Factor by Living Life Out Loud24:40 Wisdom Earned While Working at Global Payments27:42 Why Brand Recognition Matters So Much in Fintech29:13 Rory Holland - Commentary29:39 Why Brand Recognition Matters So Much in Fintech - Continued30:49 Falling Down the Rabbit Hole of Financial Technology33:14 A Family Passion for Music36:40 The Half-Fast Walking Club39:25 Mamba Mentality and Personal Growth41:48 Bringing Adaptive Leadership into His Consulting Practice44:58 Rory Holland - Commentary45:20 Bringing Adaptive Leadership into His Consulting Practice - Continued51:39 Frank's Angel Investments and Work with Fintech Startups56:40 Insights Into Frank's Current Season of Life58:53 Closing Remarks01:00:30 Interview End

Host - Rory Holland - cstmr.com - Linkedin: CSTMRInterviewed - Mike Nellis, Austin Community Foundation - LinkedIn: Austin Community FoundationWant to be a part of the podcast? Contact Rory today!In This EpisodeIn episode 31 of Mighty Finsights, Rory Holland interviews Mike Nellis, CEO of the Austin Community Foundation (ACF), about the pivotal role of community foundations in today's economy and philanthropic landscape. Mike discusses how ACF serves as a "charitable bank" and community endowment, connecting people and resources to tackle issues like housing affordability. They explore the generational wealth transfer and the skepticism younger generations hold toward traditional philanthropy. Learn why ACF is focused on trust-based giving, and how they use flexible capital and deep community knowledge to deploy capital with sustained impact, moving beyond simple transactional giving.Generational Wealth Transfer: A massive transfer of wealth is underway, posing a huge opportunity for organizations like community foundations to help younger generations invest capital meaningfully.Skepticism in Philanthropy: Younger individuals from wealthy families are often skeptical of traditional philanthropy, requiring challenge and guidance on how to use their capital and influence for significant positive change.Beyond Charitable Banking: Community foundations function as both a charitable bank (managing Donor Advised Funds or DAFs) and a permanent community endowment, ensuring capital is available for both today's and future needs.DAFs Offer Flexibility: Donor Advised Funds (DAFs) allow donors to receive a tax deduction today while making gifts over time, offering efficiency and flexibility in charitable giving.Trust-Based Giving: A shift is occurring away from prescriptive giving to a trust-based philanthropic perspective, where funds are invested in high-impact organizations and their leadership, moving beyond focusing on overhead minutiae.Solving Housing Affordability: The Austin Community Foundation is tackling the local housing affordability crisis by providing cheap, fast, and flexible debt to developers to unlock other capital for housing production.Data and Future Relevance: ACF remains relevant by using data to understand regional challenges, which informs their grant-making and long-term strategy, enabling them to meet the community's needs in perpetuity.Living Minimal Is Freeing: Rory and Mike talk about their experiences living in RVs on the road and how those experiences shaped them as people and shaped their relationships with others.Chapters00:00 EP31 - Teaser00:40 EP31 Introduction01:49 The Billionaire Philanthropy Workshop06:00 Skepticism in Philanthropy: The Younger Generation's Perspective07:35 Journey to Austin from the Midwest12:01 Driving from CA to TX13:50 Coffee, Colorado and the Flatirons15:49 Rory Holland - Commentary16:27 Coffee, Colorado and the Flatirons - Continued17:11 What Is the Austin Community Foundation?22:18 Differentiation Community Foundations from Private Foundations24:46 What is a Donor-Advised Fund?27:01 Tackling the Housing Crisis in Austin and Beyond29:56 Rory Holland - Commentary32:11 Tackling the Housing Crisis in Austin and Beyond - Continued35:26 Supporting Artists and Cultural Preservation37:31 The Guadalupe Floods in the Texas Hill Country41:32 Selling Everything to Live Down by the River in an RV43:08 Rory Holland - Commentary43:40 Selling Everything to Live Down by the River in an RV - Continued48:58 The Wealth Transfer and How to Make an Impact54:29 ACF and the Future of Philanthropy57:02 Closing Remarks

Host - Rory Holland - cstmr.com - Linkedin: CSTMRInterviewed - Jason Henrichs, Alloy Labs - LinkedIn: Alloy LabsBook Recommendation: Team of Rivals by Doris Kearns GoodwinWant to be a part of the podcast? Contact Rory today!In This EpisodeJoin us for Episode 30 where host Rory Holland sits down with Jason Henrichs, CEO at Alloy Labs and co-host of the #1 global fintech podcast, Breaking Banks. They dive into Jason's journey, from co-founding Perk Street, an early concept of Banking as a Service (BaaS), to leading community bank innovation at Alloy Labs.They explore the critical role of trust in building financial brands, especially in today's environment. Jason offers frank insights on why many community banks are facing a crisis of identity and brand, as well as how collaboration—like Abraham Lincoln's "Team of Rivals" approach—is key to making the pie bigger. This is a must-listen for anyone curious about the human motivations shaping the future of financial services.Key TakeawaysThe BaaS Origin Story: The early Banking as a Service model (like Perk Street) was driven by a deposit arbitrage to help community banks gather deposits, not just a Dodd-Frank interchange arbitrage.Trust as a Deliverable: Building trust requires real value and delivering on promises. Customers will choose you if you put "meat on the bone" of their expectations.The Anti-Wall Street Brand: In the wake of the 2008 financial crisis, brands could be built on an "anti Wall Street" sentiment, resonating with consumers looking to "take back Main Street".The Community Bank Challenge: Many community banks and credit unions will likely "die" if they don't find a real problem to solve and a unique selling proposition that customers truly value.Deposit Erosion: The consumer deposit base for community banks is aging, and the money of younger consumers is already fragmented across various platforms (like Amazon or pre-funded deposit intermediators).Competing with Scale: Smaller banks struggle to compete with large banks that are now tech-driven (like Chase) and startups (like Chime) that have raised billions in capital.A Portfolio of Bets: Alloy Labs helps banks thrive by focusing on a portfolio of strategic bets—ranging from high-flying problems (like payments via Rebolt) to more mundane necessities (like AI adoption via the AI Action Center).Beyond the Center of Money: Innovation should focus on the "edge of money," recognizing that money is a means to an end (e.g., getting a loan to open a new business location, not for the sake of the loan itself).The Power of Cooperation: The cooperative model (like Land O'Lakes in the dairy industry) can serve as a blueprint for how community banks can collaborate to survive and thrive.Lincoln's Leadership Lesson: Leaders should follow the "Team of Rivals" philosophy to bring forward diverse thought and solve big problems together, rather than protecting their existing "share of the pie".From Desperation to Inspiration: Jason's decision to found Alloy Labs was motivated by the frustration of seeing bankers who were "so f***ed" if they didn't take ownership of their future, leading to the creation of what he jokes is a "giant therapy session" for bank CEOsChapters00:00 EP30 - Teaser00:37 Introduction01:56 Interview Starts - Upbringing, a Gift, and Running08:43 Founding Perk Street and the Birth of Banking as a Service13:05 Building Trust in Financial Services15:39 Rory Holland Commentary16:03 Resume Interview16:42 How Financial Brands Are Dealing with Consumer Distrust18:41 Alloy Labs: Innovating for Community Banks22:59 How Alloy Labs Evaluates Fintech Partners29:25 Telling the Ugly Truth to Community Bankers32:57 Rory Holland Commentary33:19 Resume Interview35:14 What Problems Does Jason Think Are Worth Solving38:59 The Challenge of Differentiating as a Community FI44:03 The Market Is Shifting Under the Feet of Community Bankers48:10 Lessons from History: Leadership and Trust50:46 Rory Holland Commentary51:10 Resume Interview51:50 The Intersection of Entrepreneurship and Stewardship56:20 Abraham Lincoln as Head of People01:00:48 Wisdom from Jason's Current Season of Life01:03:03 Outro

Host - Rory Holland - cstmr.com - Linkedin: CSTMRInterviewed - Jack Macy, CSTMR and Alex Bates, Dark Rock Cybersecurity - LinkedIn: CSTMR and Dark Rock CybersecurityWant to be a part of the podcast? Contact Rory today!In This EpisodeJoin us for Episode 29 of Mighty Finsights, where Rory Holland interviews Jack Macy, founder and COO of CSTMR, and Alex Bates with Dark Rock Cybersecurity about the journey CSTMR took to achieve SOC 2 compliance. They explore the importance of SOC 2 for building trust with clients, the challenges faced during the process, and the benefits of being a certified vendor in the financial services industry. The conversation also covers the selection of the right SOC 2 partner and offers advice for organizations considering pursuing SOC 2 compliance, including why it’s helpful to have an expert coach to guide you through the process.Key TakeawaysSOC 2 compliance is an excellent way to improve organizational health and build client trust.CSTMR's proactive approach to SOC 2 is unusual for service-based business, especially agencies.The SOC 2 process helps formalize risk management practices and “harden” security protocols.Data breaches incur significant costs and reputational harm for organizations.Selecting the right SOC 2 partner will make a big difference in your experience and the quality of your results.Investing in compliance should be viewed as a long-term strategy.Training and educating the organization as a whole is key to successful implementation.SOC 2 is a report of compliance, not a “certification.”Chapters00:00 Episode Introduction01:58 Why Did CSTMR Pursue SOC 2?03:58 The Importance of SOC 2 for Professional Services06:09 Challenges in Achieving SOC 2 Compliance09:52 Real-World Security Failures12:57 The Direct Impact on a Brand14:27 The Prevalence of SOC 2 in the Marketing Space16:56 Benefits to CSTMR's Clientele19:48 Selecting the Right SOC 2 Partner22:21 What to Look for in a SOC 2 Vendor24:13 How Playing Competitive Sports Informs Alex's Work29:20 How to Know If SOC 2 Is Right for Your Organization30:28 How CSTMR Tackled the Challenges of Passing SOC 234:07 Unpacking the Gap Analysis35:44 Trust Service Criteria

Host - Rory Holland - cstmr.com - Linkedin: CSTMRInterviewed - Jorge Garcia, Linker Finance - LinkedIn: Linker FinanceWant to be a part of the podcast? Contact Rory today!In This EpisodeJoin us for Episode 28 of Mighty Finsights, where Rory Holland interviews Jorge Garcia, Co-founder and CEO of Linker Finance, about the digital banking needs that community banks have for their commercial clients. Jorge shares his journey from Honduras to the U.S., lessons learned as an internationally competitive swimmer, and how these experiences shaped his entrepreneurial spirit. Jorge also talks about how his relationship with his wife and co-founder has also affected the growth and health of the company overall. The conversation also explores the unique economic role that community banks play in the U.S., how the future could play out for those institutions, and why doing things the hard way can actually be a key to success in a crowded marketplace. Key TakeawaysLinker Finance provides digital banking solutions for commercial banking clients.Jorge's background as an international swimmer instilled a long-term goal mindset paired with skills to execute in the short term. Community banks are responsible for the amazing health of small businesses and the U.S. economyFintech companies are increasingly looking at the commercial banking sector as an opportunity to innovate. Building relationships is key in marketing to community banks.Jorge emphasizes the importance of celebrating small wins in business.Linker Finance aims to connect business banking technology with the needs of community banks.Strategic partnerships are playing a big role in Linker’s next phase of growth.Jorge believes that community banks can thrive with the right technology.The future of fintech is uncertain - it could greatly reduce the role of community banks or it could make them stronger.Chapters00:00 Introduction to Linker Finance02:56 Jorge's Journey from Honduras to the U.S.06:00 The Birth of Linker Finance08:56 Understanding Community Banks and Their Needs12:06 Working With Vault.Bank and Gaining a New Investor14:39 The Impact of Competitive Swimming on Business19:51 Brand Positioning in a Competitive Market21:35 Building Relationships in Business23:45 Spouses and Co-founders:  A Match Made in Honduras27:29 The Importance of Community Banks31:12 How Constraint Satisfaction Helps Build Companies34:24 Innovations on the Horizon for Linker36:28 Holistic User Experience in Community Banking40:31 Reframing the Data on Community Banking and Technology45:47 The Essence of Linker: Connection and Innovation

Host - Rory Holland - cstmr.com - Linkedin: CSTMRInterviewed - Alex McLeod, Parlay Finance - LinkedIn: Parlay FinanceWant to be a part of the podcast? Contact Rory today!In This EpisodeJoin us for Episode 27 of Mighty Finsights where Rory Holland interviews Alex McLeod, founder of Parlay, about small business lending and how banks and entrepreneurs are poorly served by the existing system. Alex talks about how her role as a military spouse informed her decision to found Parlay. They explore the stark challenges faced by small business owners and financial institutions, why AI should be deployed carefully to avoid harm and the role humility plays in finding good mentors. The conversation also touches on marketing strategies, brand positioning, and the urgency of adopting new technology.Key TakeawaysParlay is bridging the gap between small businesses and lenders.AI and fintech can significantly streamline the lending process.Small business lending is complex and requires tailored solutions.Financial inclusion is crucial for empowering small businesses.Standardized processes in lending can improve efficiency and outcomes.Data plays a vital role in assessing loan eligibility.Marketing and education are key to reaching lenders effectively.The fintech landscape is rapidly evolving with AI and data-driven solutions.Community support is essential for fintech entrepreneurs.Understanding the needs of small businesses is critical for lenders.Chapters00:00 Who Is Alex McLeod and What Is Parlay?03:37 Small Business Lending Is Really Difficult05:17 Leveraging AI and FinTech for Efficiency10:49 Lenders Use Parlay to Simplify Data Collection12:30 Big Struggles for Small Business Owners15:09 Why Alex Started Parlay18:05 Standardization in Lending Has a Long Way to Go20:34 Parlay's Vision for Economic Opportunity21:59 The Parlay Brand Is Positioned to "Do No Harm"24:08 Marketing Ideas to Help Lenders Win26:02 Navigating the World of Banking Tech28:47 Empowering Entrepreneurs Through Education30:15 Real Impact Stories: Transforming Rejection into Generational Wealth33:26 Stay Humble if You Want Good Mentors36:29 Future Trends in Fintech: AI and Beyond44:05 How Banks Should Prioritize Their Technology Efforts 45:28 Advice for the Next Generation of Fintech Leaders

Host - Rory Holland - cstmr.com - Linkedin: CSTMRInterviewed - Allan Rayson, Finov8r - LinkedIn: Finov8rWant to be a part of the podcast? Contact Rory today!In This EpisodeJoin us for Episode 26 of Mighty Finsights where Rory Holland interviews Allan Rayson, founder and CEO of Finov8r, a company that bridges finance and technology to deliver revenue and enterprise value for banks, fintechs, and corporations. They discuss the intersection of finance and technology. Allan shares insights from his military upbringing that shaped his adaptability, his journey into the fintech space, and the importance of community banks in today's economy. He emphasizes the need for banks to evolve and innovate, leveraging technology to create alternative revenue streams. Their chat also touches on mentorship, the challenges faced by community banks, and Allan's future plans for Finov8r, including a new subscription service that provides consultative insights to bank executives and fintech founders.Key TakeawaysAllan Rayson explains how adaptability in a rapidly changing environment helped him grow in his career.His military upbringing taught him resilience and the ability to adapt to new situations.Finov8r is bridging the gap between finance and technology for banks and fintechs.Many banks don’t understand the art of growing commercial deposits (aka “liabilities”) to fund their loans.As a consultant, Allan can make a larger impact outside of a traditional banking role.Community banks play a vital role in local economies and must innovate to remain relevant.Collaboration between fintechs and banks is essential for their future success. Allan’s appetite for risk-taking has led to massive learning experiences and professional success.Mentorship and community support are crucial for personal and professional growth.Allan is launching a subscription service to share his expertise with a broader audience.The future of banking will require a balance between asset growth and managing the liability side of the balance sheet.Chapters00:00 Introduction to Finov8r and Allan Rayson02:12 Learning to Adapt as a Military Kid04:38 What Led Allan to Start Finov8r06:41 How Finov8r Helps Its Clients Grow08:06 Allan's Source of Inspiration10:23 The Art of Liability Growth in Banking13:15 The Struggle to Integrate Fintech into Community Banking15:09 Community Banks Are Vital and Disappearing17:33 The Future of Community Banks20:14 Finov8r's Target Market and Values23:42 Opportunities in the Fintech Space28:21 Personal Journey into Finance31:09 Future Plans for Finov8r36:58 Fintechs and Banks Will Need to Collaborate Closer

Host - Rory Holland - cstmr.com - Linkedin: CSTMRInterviewed -  John Erik Metcalf, Upgraded - LinkedIn: UpgradedWant to be a part of the podcast? Contact Rory today!In this EpisodeRory Holland interviews John Erik Metcalf, the co-founder and CEO of Upgraded, a tech subscription service that allows users to upgrade their devices effortlessly. They discuss Metcalf's journey from co-founding a co-working space in Austin to launching Upgraded, the challenges and opportunities in the fintech landscape, and the importance of creating a user-friendly experience for customers. Metcalf emphasizes the need for innovation in the consumer electronics market and how Upgraded aims to simplify device management for families, positioning itself as a leader in the fintech space.Key TakeawaysUpgraded is revolutionizing how consumers access technology through subscription services.John Erik Metcalf's journey started with self-led learning and has progressed all over the world.Upgraded's model focuses on making device upgrades seamless and affordable.In the near future it will be possible for families to manage their devices like a small business does.Vertical integration is key to Upgraded's long-term strategy for the circular economy.Fintech should be about helping people in meaningful ways.With the right business model, refurbished devices can put high-quality computers into the hands of many more people.AI should enable more companies, including legacy companies and startups to build the services they need from scratch.A big part of Upgraded’s success has come from developing a strong narrative. Chapters00:00 Introduction to Upgraded and Living in Austin02:03 Homeschooling and Building a Company in China08:22 The Journey of Upgraded: From Sweden to the U.S.15:28 The Financial Technology Powering Upgraded19:48 Understanding the Upgrade Model and Its Benefits27:00 Building the Future with Fintech28:37 Mentorship and Career Development30:49 The Role of Fintech in Enhancing Consumer Experience37:20 The Deeper Purpose of Fintech Innovation

Host - Rory Holland - cstmr.com - Linkedin: CSTMRInterviewed - Sloan Shanahan, FusionIQ - LinkedIn: FusionIQWant to be a part of the podcast? Contact Rory today!In this EpisodeIn this conversation, Rory Holland interviews Sloan Shanahan, the CRO of FusionIQ, discussing the company's mission to enhance wealth management through technology and the principles of behavioral finance. Sloan talks about how her time as a collegiate golfer at Clemson informed how she builds sales teams. She also explains how the future of the financial services industry will be dependent on collaboration between fintechs and financial institutions. Key TakeawaysFusionIQ helps banks and credit unions capture deposits and grow revenue through wealth management.Sloan's upbringing in a high-performing environment shaped her work ethic.Playing college-level golf at Clemson taught Sloan time management and accountability.Generational wealth transfer presents both challenges and opportunities for banks.FusionIQ's platform helps banks engage younger clients effectively.Behavioral finance heavily informs FusionIQ’s product development roadmap.Sloan emphasizes the importance of aligning personal and organizational missions when building a career.If fintechs want to survive, they need to collaborate more closely.Staying informed about industry trends is essential for developing a career in fintech.Chapters00:00 Introduction to Fusion IQ and Personal Background02:36 The Journey of a Competitive Athlete05:15 Understanding Fusion IQ's Wealth Tech Platform06:49 Understanding FusionIQ's Prospect Universe08:22 How Do Financial Institutions Perceive FusionIQ?10:51 The Challenge of Wealth Management at Banks and Credit Unions 15:45 How Behavioral Finance Is Changing Wealth Management18:43 Using Behavioral Finance to Improve Education20:17 Enthusiasm from Prospects In the Marketplace21:46 How Clients Are Using FusionIQ and Winning23:39 What FusionIQ Can Do for Non-Traditional Financial Providers25:32 The Importance of Client Education and Holistic Experience27:01 Sloan's Origin Story in Fintech30:35 The Gifts of Mentorship and Competitive Sports35:31 Future Aspirations and Hyper Growth in Fintech37:36 Cooperative Ventures and  Fintech Ecosystems39:49 Advice for Aspiring Fintech Professionals

Host - Rory Holland - cstmr.com - Linkedin: CSTMRInterviewed - Michael Luxenberg, Bankuity.com - LinkedIn: BankuityWant to be a part of the podcast? Contact Rory today!In This EpisodeRory Holland and Michael Luxenberg discuss how Bankuity is using alternative data and artificial intelligence to build a more accurate picture of what financial wellness really looks like. This approach allows lenders and other businesses to be more inclusive, increase profitability, and serve their customers better. Michael also shares his journey from healthcare to finance and how community is a central theme of his life and career. They explore how errors in the credit application and underwriting process lead to misguided business decisions and cause businesses to miss out on valuable markets, such as gig workers and people with alternative income streams. They also talk about how young people who want to build a career in fintech can position themselves for success.Key TakeawaysInclusivity has been a theme for Michael Luxenberg throughout his life .85% of lending applications have some kind of error.Financial wellness is about way more than income.Lenders make better decisions when they can see all the data.Bankuity believes that community is a vital part of its business model and DNA.Bankuity is solving creditworthiness errors in lending and many other industries.AI and technology can unlock better insights throughout the customer lifecycle.Lenders can “right-size” their credit offerings using better data.The future of Fintech lies in leveraging alternative data.Michael and his team are in business to make a difference.Chapters00:00 Exploring Austin and Personal Connections02:06 Introduction to Bankuity and Its Mission06:15 Michael Luxenberg's Journey to Fintech12:04 Understanding Errors in Lending and Financial Wellness14:58 What Happens When Borrowers Default18:31 The Inspiration for Founding Bankuity21:30 Unlocking New Growth with AI and Machine Learning24:00 Success Stories and Market Positioning of Bankuity30:12 Future Opportunities in Fintech and Inclusivity38:39 Advice for Young Professionals in Fintech

Host - Rory Holland - cstmr.com - Linkedin: CSTMRInterviewed - James Furbush,  AccessOnepay.com - LinkedIn: AccessOneWant to be a part of the podcast? Contact Rory today!In this episodeRory Holland and James Furbush discuss the evolving landscape of healthcare payments and the role of AccessOne in facilitating financial well-being for patients and healthcare systems. They explore the challenges patients face in understanding healthcare costs, the importance of empathetic payment solutions, and the innovative approaches AccessOne employs to bridge the affordability gap. The discussion also touches on the marketing strategies and sales cycles involved in engaging hospital networks. In this conversation, James Furbush discusses the challenges and strategies of marketing and sales in the healthcare sector, particularly focusing on AccessOne's approach to account-based marketing, content creation, and the importance of aligning sales and marketing efforts. He emphasizes the need for a holistic approach to increase sales velocity and improve lead quality, while also highlighting innovative content marketing strategies like their podcast, RCM Ladder, aimed at engaging their target audience. The discussion concludes with insights into the future direction of AccessOne and the continuous improvement mindset of the team.Key TakeawaysAccessOne aims to improve healthcare access through better payment solutions.Patients often face financial barriers that prevent them from seeking care.Healthcare costs are often opaque, leading to confusion and anxiety for patients.AccessOne provides tools to help patients manage their healthcare payments more easily.The company focuses on empathetic communication and automation in payment processes.Integration with existing healthcare systems is crucial for patient engagement.Sales cycles in healthcare can be lengthy and complex due to multiple stakeholders.Education is key to helping patients understand their payment options.AccessOne's mission is to close the affordability gap in healthcare.The patient experience is central to AccessOne's service offerings. Sales teams face significant challenges in complex deals.An account-based marketing approach is essential for targeting healthcare systems.Providing value through content is key to building relationships.Sales velocity can be improved by refining the sales process.Marketing must align closely with sales to drive success.Quality of leads is a shared responsibility between sales and marketing.Effective communication and SLAs enhance collaboration.Content marketing can create lasting impressions even when prospects are not ready to buy.Innovative content like podcasts can differentiate a brand in a crowded market.Continuous improvement is vital for long-term success in business.Chapters00:00 Introduction and Background04:12 Understanding Access One's Mission12:46 The Challenges of Healthcare Payments18:32 The Patient Experience with Access One23:15 Marketing Strategies and Sales Cycles26:39 Navigating the Complex Sales Landscape31:22 Strategies for Accelerating Sales Velocity39:43 Aligning Sales and Marketing for Success42:43 Innovative Content Marketing Approaches48:33 Future Directions for Access One

Host - Rory Holland - cstmr.com - Linkedin: CSTMRInterviewed - Kevin Allen,  validmind.com - LinkedIn: ValidMindWant to be a part of the podcast? Contact Rory today!In this episodeIn this episode, Rory Holland interviews Kevin Allen from ValidMind, discussing the critical role of model risk management in banking, especially in the context of increasing AI adoption. Kevin explains how ValidMind's platform simplifies the model validation process, saving banks time and costs while reducing risks. The discussion also covers the importance of building trust in AI, navigating regulatory challenges, and the significance of having a strong team behind ValidMind's innovative solutions.Key TakeawaysModel risk management is essential for banks' operations.AI adoption in banking is growing but comes with risks.The platform helps banks save time and reduce costs.ValidMind serves banks of all sizes, not just large ones.Model Risk Management as a Service is a key offering.Building trust in AI is crucial for banks' acceptance.Regulatory compliance is a significant challenge for AI.The team at ValidMind brings extensive industry experience.A strong company culture is vital for startup success. Brand recognition has significantly improved over the past year.Chapters00:00 Introduction to ValidMind and Model Risk Management03:12 The Importance of Model Risk Management in Banking05:57 ValidMind's Approach to Different Bank Tiers09:02 Model Risk Management as a Service12:04 Building Trust in AI for Banking15:00 Navigating Regulatory Challenges in AI Adoption18:06 Establishing Credibility in the Banking Sector20:57 The People Behind ValidMind and Company Culture24:09 Evolving Brand Recognition in Fintech26:58 The Art of Improv and Its Business Applications32:02 Navigating the Fintech Landscape38:09 Challenges in Niche Marketing41:00 The Future of AI in Business42:50 Partnerships and Collaborations for Growth

Host - Rory Holland - cstmr.com - Linkedin: CSTMRInterviewed - Joshua Silver, Rainforestpay.com, Linkedin: Rainforest PayWant to be a part of the podcast? Contact Rory today!In this episodeIn this episode, Rory Holland speaks with Joshua Silver from Rainforest about the evolution of fintech—in Atlanta particularly—and the innovative approach Rainforest takes in providing embedded payment solutions. Joshua shares his journey in the fintech space, the challenges of building a startup, and the importance of customer service and support. He emphasizes the need for a human-centric approach in the industry and discusses the future of Rainforest and the broader fintech landscape.Key TakeawaysEmbedded payments can significantly increase revenue for software platforms.Joshua's experience in healthcare payments shaped his understanding of the industry.Embedded payments can significantly increase revenue for software platforms.Joshua's experience in healthcare payments shaped his understanding of the industry.The need for better service in the payments infrastructure market led to the creation of Rainforest.Building a fintech startup involves navigating complex regulatory challenges.Customer service should be a priority in fintech to enhance user experience.The brand Rainforest aims to bring humanity back into the fintech space.Continuous improvement in product can reduce support tickets.Hiring exceptional talent is crucial for customer-facing roles.Networking and mentorship are vital for success in the fintech industry.Chapters00:00 Fintech in Atlanta and Beyond 03:03 Understanding Rainforest and embedded fintech14:00 The Brand Story of Rainforest 22:47 The Role of AI in fintech24:29 The Goldilocks Principle in Payments27:35 Future Plans and Industry Insights30:04 Challenges and Opportunities in Fintech Growth

Host - Rory Holland - cstmr.com - Linkedin: CSTMRInterviewed - Bo Stone, Bill Stone, smionecard.com, kudzumoney.comWant to be a part of the podcast? Contact Rory today!In this episodeIn this episode, Rory Holland interviews Bill Stone and Bo Stone from SMI (Systems and Methods, Inc). They discuss the company's rich history, starting from its founding in 1971, to its evolution in providing financial services, particularly in child support distribution. The conversation highlights the importance of relationships, the introduction of innovative products like the smiONE prepaid debit card and Kudzu, and their commitment to financial literacy and serving underserved markets. They also touch on the challenges faced in product development, the future of the financial industry, and offer advice for aspiring entrepreneurs.Key TakeawaysSMI's growth is built on relationships and partnerships.Financial literacy is crucial for long-term success in underserved communities.Innovation in financial services is essential to meet changing market needs.AI and technology will play a significant role in the future of financial services.Starting small and solving specific problems is key for aspiring entrepreneurs.Chapters0:00 The Origins of SMI and Its Mission6:35 Expanding Financial Products and Services 12:21 Understanding the Customer Landscape in Digital Banking 18:32 Innovative Features of Kudzu 24:09 Challenges in Product Development 30:38 Future of SMI and the Financial Industry

Host - Rory Holland - cstmr.com - Linkedin: CSTMRInterviewed - Maria Goy - getspot.com - LinkedIn: Spot InsuranceWant to be a part of the podcast? Contact Rory today!In this episodeIn this episode, Rory Holland interviews Maria Goy, the co-founder and CEO of Spot Insurance, discussing the innovative approach of embedded insurance in the adventure sports sector. They explore the challenges of the insurance industry, the impact of technology, and the real-life stories of individuals who have benefited from Spot's services. Maria shares insights on the future of insurance, the importance of operational efficiency, and advice for aspiring entrepreneurs in the fintech space.Key TakeawaysTechnology plays a crucial role in modernizing insurance processes.The pandemic has shifted the insurance landscape significantly.Operational efficiency is key for startups in the current economic climate.Understanding healthcare coverage is essential for consumers.Spot aims to help customers live adventurous lives without financial worry.Chapters06:42 The Role of Technology in Insurance08:00 Real-Life Impact of Spot Insurance10:18 Challenges in the Insurance Industry12:40 Navigating Economic Challenges16:58 Future Directions for Spot Insurance20:20 Advice for Aspiring Entrepreneurs

Host - Rory Holland - cstmr.com - Linkedin: CSTMRInterviewed - Nicky Senyard , Alana Levine - fntelconnect.com - LinkedIn: Fintel ConnectWant to be a part of the podcast? Contact Rory today!In this episodeRory Holland speaks with Nicky Senyard and Alana Levine from Fintel Connect about their journey in affiliate marketing within the finance sector. They discuss the challenges of trust and compliance, the role of publishers, and the importance of technology in tracking and optimizing marketing efforts. They also highlight the significance of product differentiation and customer experience in a competitive market. The conversation culminates in the introduction of a new affiliate marketing report that provides insights into industry trends and predictions.Key TakeawaysFintel Connect serves as a bridge between banks, fintechs, and publishers.Trust and compliance are major challenges in financial affiliate marketing.Technology is essential for tracking and optimizing affiliate marketing efforts.Product differentiation is key to standing out in a competitive market.Fintel Connect has built proprietary technology to manage affiliate relationships.Understanding consumer intent is vital for effective marketing strategies.Chapters02:55 The Birth of Fintel Connect06:11Understanding Affiliate Marketing in Finance09:06 Challenges in Trust and Compliance17:58 Product Differentiation and Customer Experience20:50 The Importance of Specialized Technology24:10 The New Affiliate Marketing Report26:51 Industry Insights and Future Trends

Interview with Zain Premji of SQS: Revolutionizing Data Security With Quantum TechnologyHost - Rory HollandInterviewed - Zain PremjiIn this episodeIn this conversation, Rory Holland interviews Zain Premji, co-founder of Secured Quantum Services (SQS), about the revolutionary potential of quantum technology in securing data and communications. Zain explains the differences between traditional and quantum technology, the urgent need for quantum security in various industries—particularly finance and defense—and the challenges faced in implementing quantum solutions. Rory and Zain also touch on the implications of AI in cybersecurity, the concept of “Q Day” (when traditional encryption may be compromised), and the future vision for a quantum internet that ensures digital trust and security.Key takeawaysSQS aims to revolutionize digital communication and data transfer.Current encryption methods are at risk of being broken by quantum computing.Critical infrastructure sectors like finance and healthcare need quantum security.Education and awareness are crucial for understanding quantum technology.The future of quantum technology holds the promise of digital trust and security.Chapters00:00: Introduction to Secured Quantum Services02:57: Understanding Quantum Technology05:46: The Need for Quantum Security12:00: AI and Cybersecurity Concerns21:11: Overcoming Challenges in Quantum Development24:07: Future of Quantum TechnologyAbout Mighty FinsightsThis is 'Mighty Finsights,' the podcast where finance meets formidable insights and spirited storytelling. Each episode offers a deep dive into the challenges and achievements that define the financial landscape, providing valuable lessons in finance, innovation, and resilience. Tune in for an experience that brings finance to life through the voices of its most influential leaders.

CSTMR Brand Series 5/5: The Journey of Logo Design, From Concept to CreationHost - Rory HollandCo-host - Dan OcockIn this episodeIn this episode of the Might Finsights podcast, Rory Holland and Dan Ocock discuss the intricacies of logo design and branding. They explore the importance of creating a meaningful logo that resonates with the audience, the design process, and the significance of research in developing a brand identity. Through case studies of well-known brands like Lloyd's and Monzo, they highlight the role of humor and uniqueness in branding. The conversation emphasizes the need for a cohesive brand identity and the steps involved in creating a memorable logo that stands out in a crowded marketplace.Key takeawaysA logo is just one part of the brand ecosystem.Memorable logos are often simple and clever.A cohesive brand identity strengthens market presence.Striving for uniqueness is essential in branding.Chapters00:00 Introduction and Background05:58 Designing a Meaningful Logo15:03 The Importance of Memorable Logos24:00 Creating a Cohesive Brand Identity27:09 Striving for Uniqueness in BrandingAbout Mighty FinsightsThis is 'Mighty Finsights,' the podcast where finance meets formidable insights and spirited storytelling. Each episode offers a deep dive into the challenges and achievements that define the financial landscape, providing valuable lessons in finance, innovation, and resilience. Tune in for an experience that brings finance to life through the voices of its most influential leaders.

CSTMR Brand Series 4/5: The Emotional Impact of Color in BrandingHost - Rory HollandCo-host - Dan OcockIn This EpisodeIn this episode of the Mighty Finsights Podcast, Rory and Dan explore the intricate relationship between brand identity and the visualization of brand values, particularly through the use of color. They discuss how colors evoke emotions and how they can be strategically chosen to resonate with target audiences. The conversation includes case studies of three brands: Access One, Nexi, and Onyx IQ, highlighting their unique branding journeys and the importance of aligning visual elements with core values. The discussion emphasizes the evolving nature of brands and the necessity for businesses to adapt their branding strategies over time.Key takeawaysBrand identity is akin to bringing a character to life.Choosing the right color palette is crucial for brand resonance.The process of branding involves deep understanding and strategy.Brands evolve over time, requiring periodic reassessment.Honesty and authenticity are key in brand storytelling.Chapters00:00  Introduction to Brand Identity05:57 The Importance of Color in Branding08:47 Case Study: Access One's Brand Evolution15:05 Case Study: Nexi’s Unique Identity20:59 Case Study: Onyx IQ's Professional Branding26:53 The Evolution of Brands and Their ValuesAbout Mighty FinsightsThis is 'Mighty Finsights,' the podcast where finance meets formidable insights and spirited storytelling. Each episode offers a deep dive into the challenges and achievements that define the financial landscape, providing valuable lessons in finance, innovation, and resilience. Tune in for an experience that brings finance to life through the voices of its most influential leaders.

CSTMR Brand Series 3/5: The Importance of Personality in Crafting a Brand’s SoulHost - Rory HollandCo-host - Dan OcockIn This EpisodeIn this episode, Rory and Dan explore the concept of brand personality, emphasizing its importance in creating a strong emotional connection with customers. They discuss the foundational elements of branding, including differentiation, consistency, and the development of a unique brand style. The conversation highlights the significance of understanding brand archetypes and the impact a well-defined brand personality has on business success.Key takeawaysDifferentiation helps brands stand out in a crowded market.Understanding brand archetypes aids in defining personality.Consistency in branding fosters trust and loyalty.A unique selling point is crucial for brand identity.Emotional connections drive customer loyalty and satisfaction.The internal culture of a brand reflects its external identity.Chapters00:00 Introduction to Brand Personality03:00 The Importance of Differentiation10:00 Understanding Brand Archetypes17:06 The Role of Consistency in Branding23:47 Developing a Unique Brand Style30:01 The Impact of Brand Personality on Business SuccessAbout Mighty FinsightsThis is 'Mighty Finsights,' the podcast where finance meets formidable insights and spirited storytelling. Each episode offers a deep dive into the challenges and achievements that define the financial landscape, providing valuable lessons in finance, innovation, and resilience. Tune in for an experience that brings finance to life through the voices of its most influential leaders.

CSTMR Brand Series 2/5: Guiding the Growth, Developing a Solid Brand StrategyHost - Rory HollandCo-host - Dan OcockIn This EpisodeIn this episode, Rory and Dan discuss the critical importance of developing a solid brand strategy, especially in the competitive landscape of financial services. They explore the growing number of financial brands, the challenges new entrants face, and the essential components of a successful brand strategy. Aided by a case study of AccessOne, they illustrate how a well-defined brand strategy can lead to long-term success. Key takeawaysThere are nearly one million financial services brands today.A solid brand strategy is crucial for market success.Targeting the right audience is essential for brand positioning.Brand equity and loyalty are built through effective strategy.Sales teams provide critical insights for brand development.The process of developing a brand strategy is vital for long-term success.Chapters00:00 Introduction to Brand Strategy02:05 The Growing Competition in Financial Brands06:50 The Importance of Strategic Thinking14:00 Defining Brand Strategy20:05 Case Study: AccessOne26:58 The Process of Developing a Brand StrategyAbout Mighty FinsightsThis is 'Mighty Finsights,' the podcast where finance meets formidable insights and spirited storytelling. Each episode offers a deep dive into the challenges and achievements that define the financial landscape, providing valuable lessons in finance, innovation, and resilience. Tune in for an experience that brings finance to life through the voices of its most influential leaders.

CSTMR Brand Series 1/5: Bedrock of Success, Laying the Brand FoundationsHost - Rory HollandCo-host - Dan OcockIn This EpisodeIn this episode, Rory Holland, CSTMR CEO, and Dan Ocock, CSTMR Chief of Brand, discuss the foundational elements of branding, particularly in the financial and fintech sectors. They emphasize the importance of understanding what a brand truly is, the necessity of knowing your audience, and the power of differentiation in a crowded market. Through examples and insights, they explore how brands can evolve and adapt to maintain relevance and connection with their audience.Key takeawaysThe proliferation of brands has diluted the understanding of what a brand is.A brand is fundamentally about reputation and perception, not just a logo.Differentiation is key in a competitive market, especially in fintech.Brands can lose their way and need to revisit their foundations periodically.A strong brand foundation can lead to sustained growth and success.Chapters00:00 Laying the Brand Foundations09:35 Understanding Your Audience17:24 The Power of Differentiation21:09 The Significance of Brand PromiseAbout Mighty FinsightsThis is 'Mighty Finsights,' the podcast where finance meets formidable insights and spirited storytelling. Each episode offers a deep dive into the challenges and achievements that define the financial landscape, providing valuable lessons in finance, innovation, and resilience. Tune in for an experience that brings finance to life through the voices of its most influential leaders.

Interview with Lucas Parry of Glow: Democratizing Philanthropy in Fintech and Giving BackHost - Rory HollandInterviewed - Lucas ParryIn This EpisodeIn this conversation, Lucas Parry, CEO and Founder of Glow, takes us on his personal journey from recording music to working in fintech. He then explains how Glow helps artists, influencers, and brands engage their fans and communities in philanthropic actions. He discusses the power of community in democratizing philanthropy and how technology can make giving easy. Lucas envisions a future where communities are more educated and efficient in their philanthropy, leading to significant positive change. He emphasizes the importance of authenticity and transparency in building trust in the financial system.Key takeawaysGlow helps artists, influencers, and brands engage their fans and communities in philanthropy.The power of community in philanthropy can lead to significant positive change.Authenticity and transparency are crucial in building trust in the financial system.The future of philanthropy involves more educated and efficient giving.Chapters00:00 Introduction and Background05:07 Making Giving Delightful for Donors11:39 Building Trust in the Financial SystemAbout Mighty FinsightsThis is 'Mighty Finsights,' the podcast where finance meets formidable insights and spirited storytelling. Each episode offers a deep dive into the challenges and achievements that define the financial landscape, providing valuable lessons in finance, innovation, and resilience. Tune in for an experience that brings finance to life through the voices of its most influential leaders.

Interview with Meghan Kober of U.S. Bank: The Imperative of Bank InnovationHost - Rory HollandInterviewed - Meghan KoberIn This EpisodeIn this chat, Meghan Kober, VP of Fintech Partnerships & Investments at U.S. Bank, starts by telling us about how she got started in fintech. She then discusses her role on the bank innovation team and how they work with startups to accelerate innovation in the banking industry. She talks about the challenges of introducing new ideas to business lines, and the importance of cultural fit in partnerships. Meghan also highlights the trend of B2B software in fintech and the benefits it brings to both large organizations and startups. She encourages individuals interested in fintech to jump in and start somewhere, reflecting on what brings them high vibe and low vibe experiences.Key takeawaysU.S. Bank's innovation team works with startups to accelerate innovation in the banking industry.Introducing new ideas to business lines can be challenging.Cultural fit is important in partnerships between large organizations and startups.The trend of B2B software in fintech is exciting and beneficial for both parties.Individuals interested in fintech should jump in and start somewhere, reflecting on what brings them high vibe and low vibe experiences.Chapters00:00 Introduction and Background04:08 Role in U.S. Bank's Innovation Team09:04 Testing Hypotheses in Innovation14:07 Advice for Those Interested in FintechAbout Mighty FinsightsThis is 'Mighty Finsights,' the podcast where finance meets formidable insights and spirited storytelling. Each episode offers a deep dive into the challenges and achievements that define the financial landscape, providing valuable lessons in finance, innovation, and resilience. Tune in for an experience that brings finance to life through the voices of its most influential leaders.

Interview with David Robinson of Academy Bank: Fintech Partnerships, Infrastructure, and TrustHost - Rory HollandInterviewed - David RobinsonIn This EpisodeIn this discussion, David Robinson, Director of Fintech Partnerships at Academy Bank, shares the company's goals and various initiatives in the fintech space. He also goes through his personal story of getting into fintech. At Academy Bank, David focuses on growing their banking infrastructure and expanding their reach to serve small businesses and customers across the United States. David stresses that strong relationships and trust are key aspects of their approach, and emphasizes the importance of personal connections and open communication in establishing trust and restoring faith in the financial system. He also highlights the need for bank-fintech partnerships to better serve small businesses and improve access to banking services.Key takeawaysAcademy Bank is focused on growing their banking infrastructure and expanding their reach to serve small businesses and customers across the United States.Building strong relationships and trust are key aspects of Academy Bank's approach.Fintech partnerships are important to better serve small businesses and improve access to banking services.Open communication and personal connections are crucial in establishing trust and restoring faith in the financial system.Chapters00:00 Introduction and Background04:49 Competition and Streamlined Processes09:30 The Future of Lending and Trust in the Financial SystemAbout Mighty FinsightsThis is 'Mighty Finsights,' the podcast where finance meets formidable insights and spirited storytelling. Each episode offers a deep dive into the challenges and achievements that define the financial landscape, providing valuable lessons in finance, innovation, and resilience. Tune in for an experience that brings finance to life through the voices of its most influential leaders.

Interview with Eric Youngstrom: Working Capital Solutions – Helping SMBs GrowHost - Rory HollandInterviewed - Eric YoungstromIn This EpisodeEric Youngstrom, Founder and CEO of Onramp, discusses his journey in the finance industry and the purpose behind his company. Onramp provides working capital solutions to small e-commerce businesses, helping them overcome cash flow challenges and grow. Eric emphasizes the importance of supporting independent small businesses to create a healthier economy. He shares success stories of businesses that have grown with the help of Onramp's funding. Eric also discusses the challenges of customer acquisition and recruiting, as well as the future of lending and the need for trust in the financial system.Key takeawaysOnramp provides working capital to small e-commerce businesses, helping them overcome cash flow challenges and grow.Supporting independent small businesses is important for creating a healthier economy.Onramp has helped businesses grow and succeed, with some customers graduating to more affordable financing options.Customer acquisition and recruiting are ongoing challenges for Onramp.The future of lending lies in better data visibility and underwriting based on business performance.Trust in the financial system can be built by diffusing corporate power and promoting competition.Chapters00:00 Introduction and Background04:49 Competition and Streamlined Processes09:30 The Future of Lending and Trust in the Financial SystemAbout Mighty FinsightsThis is 'Mighty Finsights,' the podcast where finance meets formidable insights and spirited storytelling. Each episode offers a deep dive into the challenges and achievements that define the financial landscape, providing valuable lessons in finance, innovation, and resilience. Tune in for an experience that brings finance to life through the voices of its most influential leaders.

Interview with Vamsi Varanasi: Identity Verification – Build Trust, Drive AdoptionHost - Rory HollandInterviewed - Vamsi VaranasiIn This EpisodeVamsi Varanasi, Product Strategy Lead at Clear, discusses the company's mission to provide portable and secure identity verification in the fintech space. Vamsi begins by sharing his professional experience and how he began working in fintech. He then tells Rory about how Clear aims to empower customers to verify identity once and link it to biometrics, allowing users to easily transfer their identity credentials between fintech platforms. The company focuses on building trust and ensuring data security, with the goal of becoming the identity layer of the internet. Vamsi also highlights the collaborative nature of the fintech industry, and the importance of customer education in adopting new identity verification methods.Key takeawaysClear aims to provide portable and secure identity verification in the fintech space.The company focuses on building trust and ensuring data security.The fintech industry is collaborative, with a shared goal of improving customer experiences.Customer education is crucial in adopting new identity verification methods.Chapters00:00 Introduction and Clear's Mission08:13 Clear's Identity Verification Solutions13:28 Clear as the Identity Layer of the InternetAbout Mighty FinsightsThis is 'Mighty Finsights,' the podcast where finance meets formidable insights and spirited storytelling. Each episode offers a deep dive into the challenges and achievements that define the financial landscape, providing valuable lessons in finance, innovation, and resilience. Tune in for an experience that brings finance to life through the voices of its most influential leaders.

Interview with Trey Maust: Banking Innovation Through Partnerships and TrustHost - Rory HollandInterviewed - Trey MaustThis EpisodeBack in 2006, Trey Maust and Jeff Sumpter started Lewis & Clark Bank–a traditional commercial bank that has embraced banking innovation and evolved to work with third parties to explore new frontiers in banking. In this chat, Trey explains the concept of bankerpreuner: a neologism they coined. He then goes over his own professional history before highlighting how Lewis & Clark has formed strategic partnerships to provide unique banking solutions. The bank focuses on serving clients who value input from experts and are open to soliciting advice from their bankers, attorneys, and CPAs. Trey also shares his view on the future of banking: a critical infrastructure that supplies banking functions and ensures secure and compliant financial services.Key TakeawaysSince 2006, Lewis & Clark Bancorp has evolved from a traditional commercial bank to embrace strategic partnerships.The bank focuses on serving clients who value input from experts and are open to soliciting advice from their bankers, attorneys, and CPAs.Regulatory challenges are a significant obstacle for the bank, but they prioritize compliance and recognize the value of maintaining trust and confidence in the banking system.Trey believes that working with established banks that have successfully navigated the fintech space can provide valuable insights and guidance for newcomers.For Trey, banking is a critical infrastructure that supplies banking functions and ensures secure and compliant financial services.Chapters00:00 Introduction and Background05:34 Exploring the Possibilities of the Bank Charter10:26 Targeting Unique Solutions and Verticals15:02 Balancing Stability and Innovation in BankingAbout Mighty FinsightsThis is 'Mighty Finsights,' the podcast where finance meets formidable insights and spirited storytelling. Each episode offers a deep dive into the challenges and achievements that define the financial landscape, providing valuable lessons in finance, innovation, and resilience. Tune in for an experience that brings finance to life through the voices of its most influential leaders.

Interview with Clayton Mitchell: Navigating Fintech Regulatory ComplianceHost - Rory HollandInterviewed - Clayton MitchellIn This EpisodeClayton Mitchell, from Crowe, a public accounting, consulting, and technology firm, chats with Rory about the role of accounting and consulting in the fintech industry. He explains how he got into the world of fintech and shares his experience working with payments and remittance companies. Clayton also discusses the challenges of applying outdated regulatory compliance frameworks to new and innovative business models. He emphasizes the importance of trust in the financial system and the need for collaboration and understanding between regulators, compliance teams, and businesses. Clayton also highlights the value of listening to clients, providing actionable recommendations, and leaving organizations in a better place than when they started.Key TakeawaysAccounting and consulting firms like Crowe play a crucial role in the fintech industry by helping organizations navigate regulatory challenges and improve risk management and compliance.Applying outdated regulatory frameworks to new and innovative business models is a significant challenge in the industry.Building trust in the financial system requires collaboration and understanding between regulators, compliance teams, and businesses.Creating value in the financial services industry involves enabling innovation, understanding customer needs, and challenging traditional approaches.Listening to clients, providing actionable recommendations, and leaving organizations in a better place are key principles for accounting and consulting firms.Chapters00:00 Introduction and Background04:05 Clients and Services Offered08:10 Challenges of Applying Legacy Frameworks15:45 What Sets Crowe ApartAbout Mighty FinsightsThis is 'Mighty Finsights,' the podcast where finance meets formidable insights and spirited storytelling. Each episode offers a deep dive into the challenges and achievements that define the financial landscape, providing valuable lessons in finance, innovation, and resilience. Tune in for an experience that brings finance to life through the voices of its most influential leaders.

Interview with Matt Michaelis: Embedded Finance - The Power to Redefine Daily LifeHost - Rory HollandInterviewed - Matt MichaelisThis EpisodeMatt Michaelis, Chairman and CEO at Emprise Bank, sits down with Rory to discuss the company's journey in the financial industry and their focus on embedded finance. In the family since 1965, Emprise continues to grow and evolve. Matt shares his perspective on going digital, and the challenges and opportunities that come with it in the fintech industry, particularly in relation to regulatory compliance. He emphasizes the need for trust and building strong relationships with customers. Matt believes that the future of finance lies in the intersection of technology and financial services, and that embedded finance will continue to grow.Key TakeawaysEmprise Bank has been in the Michaelis family since 1965 and has grown from a $20 million bank to almost $2.5 billion.The company is focused on bringing digital solutions to its customers and is on a journey to support embedded finance.The regulatory environment is a major challenge for Emprise Bank and the industry as a whole.The future of finance lies in the intersection of technology and financial services, with embedded finance continuing to grow.Building trust and strong relationships with customers is crucial in the financial services industry.Emprise Bank prioritizes serving their communities with integrity and delivering the best experience.Chapters00:00 Introduction and Background00:59 Emprise Bank's History and Focus on Embedded Finance05:10 Empowering Through Embedded Finance07:35 Challenges in the Regulatory Environment11:11 The Future of Finance: Intersection of Technology and Financial Services15:17 Building Trust and Strong RelationshipsAbout Mighty FinsightsThis is 'Mighty Finsights,' the podcast where finance meets formidable insights and spirited storytelling. Each episode offers a deep dive into the challenges and achievements that define the financial landscape, providing valuable lessons in finance, innovation, and resilience. Tune in for an experience that brings finance to life through the voices of its most influential leaders.

Interview with Cody Owens: Optimize Collections With a Loan Management SystemHost - Rory HollandInterviewed - Cody OwensThis EpisodeRory speaks with Equabli CEO Cody Owens about his company’s end-to-end collections management platform. In a few words, Equabli helps banks and fintech lenders effectively manage collections and recovery of delinquent loans. The platform uses machine learning to optimize strategies and improve performance, resulting in cost savings and better customer outcomes. The company aims to create a healthier financial ecosystem by addressing the underserved sectors of consumer finance and improving transparency in the industry. This comes with a few challenges, namely: scaling the business at the right pace, building trust in the financial system, and overcoming the slow adoption process in the industry. Cody’s key piece of advice for someone entering the fintech space is to have conviction, build trusted relationships, and seek strategic partnerships.Key TakeawaysEquabli is an end-to-end platform that helps banks and fintech lenders effectively manage collections and recovery of delinquent loans.The platform uses machine learning to optimize strategies and improve performance.The company aims to create a healthier ecosystem by addressing the underserved sectors of consumer finance and improving transparency in the industry.Challenges for Equabli include scaling the business at the right pace, building trust in the financial system, and overcoming the slow adoption process in the industry.Key advice for someone entering the fintech space is to have conviction, build trusted relationships, and seek strategic partnerships.Chapters00:00 Introduction and Background04:58 Transition from Big Corp to Startup10:24 Optimizing Recovery Strategies16:17 Building Trust in the Financial SystemAbout Mighty FinsightsThis is 'Mighty Finsights,' the podcast where finance meets formidable insights and spirited storytelling. Each episode offers a deep dive into the challenges and achievements that define the financial landscape, providing valuable lessons in finance, innovation, and resilience. Tune in for an experience that brings finance to life through the voices of its most influential leaders.

Interview with Emily Cisek: Digital Legacy - Why SMBs Need a Succession PlanHost - Rory HollandInterviewed - Emily CisekThis EpisodeEmily Cisek, Co-Founder and CEO of The Postage, discusses her journey from a small town on the East Coast to starting her own fintech business in Texas. The Postage is a digital legacy and small business succession platform that helps individuals and businesses prepare for the future. Emily explains how the platform works for both individuals and businesses: it allows users to create legally valid wills, record memories, and build deeper relationships with their families and financial institutions. She also discusses the challenges of working with financial institutions and the importance of trust in the financial system.Key TakeawaysThe Postage is a digital legacy and small business succession platform that helps individuals and businesses prepare for the future.Users can create legally valid wills, record memories, and build deeper relationships with their families and financial institutions.A big challenge is helping financial institutions understand the value of the platform and drive adoption.Trust is crucial in the financial system.Building trust requires understanding and being there for customers in their micro-moments.The smaller players in the industry can differentiate themselves by leveraging technology to build deeper relationships and maintain trust.Chapters00:00 Introduction and Background05:05 Expanding to Consumer and Small Business Markets09:49 Financial Model and Relationship with Banks16:04 Advice for Entrepreneurs in the FinTech SpaceAbout Mighty FinsightsThis is 'Mighty Finsights,' the podcast where finance meets formidable insights and spirited storytelling. Each episode offers a deep dive into the challenges and achievements that define the financial landscape, providing valuable lessons in finance, innovation, and resilience. Tune in for an experience that brings finance to life through the voices of its most influential leaders.

Interview with Justin Fischer: Financial Crimes – Securing Banks and Credit UnionsHost - Rory HollandInterviewed - Justin FischerThis EpisodeIn this conversation, Justin Fischer, Co-Founder and CEO of RiskScout, highlights how his company provides financial crime software solutions for community banks and credit unions. He details how they aim to help these institutions prevent money laundering, better understand their customers, and comply with regulatory requirements. RiskScout offers a comprehensive suite of tools, including customer communication, KYC, transaction monitoring, risk scoring, and regulatory filing. They also prioritize community and collaboration by creating a space for institutions to share ideas and support each other. Ultimately, RiskScout's goal is to help smaller banks and credit unions thrive in an ever-evolving financial landscape.Key TakeawaysRiskScout provides financial crime software solutions for community banks and credit unions.Their suite of tools includes customer communication, KYC, transaction monitoring, risk scoring, and regulatory filing.The company prioritizes community and collaboration and creates a space for institutions to share ideas and support each other.RiskScout aims to help smaller banks and credit unions thrive in an ever-evolving financial landscape.Chapters00:00 Introduction and Overview04:16 Adoption and Implementation Challenges09:51 Customizable Solutions for Specific Needs25:25 Building Trust in the Financial SystemAbout Mighty FinsightsThis is 'Mighty Finsights,' the podcast where finance meets formidable insights and spirited storytelling. Each episode offers a deep dive into the challenges and achievements that define the financial landscape, providing valuable lessons in finance, innovation, and resilience. Tune in for an experience that brings finance to life through the voices of its most influential leaders.

Interview with Colton Pond: Lending Platforms – Innovation and Embedded LendingHost - Rory HollandInterviewed - Colton PondThis EpisodeIn this chat, Colton Pond, CMO at LoanPro, discusses his company's journey and the market they serve. Colton explains that LoanPro is a lending and credit platform that helps financial organizations launch, service, and manage various types of loans. Colton then highlights the range of clients they serve, from big companies–like Intuit–to small startups. He discusses how LoanPro enables organizations to modernize their tech stack, drive operational efficiency, and innovate in their lending programs. Finally, Colton provides some thoughts on the future of fintech.Key TakeawaysLoanPro is a lending and credit platform that helps financial organizations launch, service, and manage various types of loans.The platform enables organizations to modernize their tech stack, drive operational efficiency, and innovate in their lending programs.They work with a range of clients from big companies, like Intuit, to small startups.LoanPro is API-first and offers both API infrastructure and a UI for clients.The future of fintech includes embedded finance and embedded lending, where everyday brands can offer financial services.Chapters00:00 Introduction and Background04:11 LoanPro's Platform: API and UI08:59 The Future of Fintech: Embedded Finance and LendingAbout Mighty FinsightsThis is 'Mighty Finsights,' the podcast where finance meets formidable insights and spirited storytelling. Each episode offers a deep dive into the challenges and achievements that define the financial landscape, providing valuable lessons in finance, innovation, and resilience. Tune in for an experience that brings finance to life through the voices of its most influential leaders.

Interview with David Ness: Fintech Partnerships Within the U.S. Bank EcosystemHost - Rory HollandInterviewed - David NessThis EpisodeIn this episode, David Ness, Senior Vice President of Innovation at U.S. Bank, discusses his journey into financial services and his role in leading fintech partnerships. He emphasizes the importance of being humble and curious. David explains how, to know which partnerships and investments to prioritize, U.S. Bank identifies internal pain points and customer expectations. He also shares examples of successful collaborations. Finally, David highlights the impact of fintech in reaching underserved communities, and the importance of transparency and authenticity when building trust.Key Takeaways Being humble and curious are important qualities in the fintech industry.Identifying internal pain points and customer expectations helps prioritize partnerships and investments.Successful collaborations have solved issues like deposit switching and digitizing assets.The fintech space has made a positive impact in reaching underserved communities.Transparency and authenticity are keys to building trust in the industry.Chapters00:00 Introduction and Background05:40 Example: Solving the Problem of Deposit Switching10:58 The Importance of Transparency and Authenticity16:17 The Future of Underwriting and AutomationAbout Mighty FinsightsThis is 'Mighty Finsights,' the podcast where finance meets formidable insights and spirited storytelling. Each episode offers a deep dive into the challenges and achievements that define the financial landscape, providing valuable lessons in finance, innovation, and resilience. Tune in for an experience that brings finance to life through the voices of its most influential leaders.

Interview with Nick Elders: Customer Experience in Financial ServicesHost - Rory HollandInterviewed - Nick EldersThis EpisodeIn this conversation, Nick Elders, co-founder and CEO of SPARK, discusses his background and journey into fintech. He shares the story of how SPARK–an ​​end-to-end solution for small business lending–was created, as well as the crucial role that the company plays in community and economic development. Nick highlights the challenges faced by SPARK and the broader financial services industry, provides an overview of SPARK’s future plans, and delivers some compelling insights into the potential of fintech in the coming years. Finally, Nick offers advice to those interested in entering the world of fintech and financial services.Key Takeaways SPARK plays a crucial role in community and economic development: digital infrastructure for lenders, and digital partner for small business owners.Traditional financial services often lag behind other industries in terms of user-friendly digital experiences—that’s why customer experience is a key focus for SPARK.Distribution and awareness are major challenges for SPARK and other fintech companies.The future of fintech lies in solving current problems and meeting customer demands.To enter the fintech field, you must solve a problem that exists today and focus on creating value for customers.Chapters00:00 Introduction and Background02:41 Getting into Fintech07:38 Transition from CRF to SPARK13:35 SPARK's Role in Community and Economic Development16:18 Challenges in the Financial Services Industry29:18 Future Plans for SPARK32:08 The Future of Fintech34:06 Advice for Entering the Fintech FieldAbout Mighty FinsightsThis is 'Mighty Finsights,' the podcast where finance meets formidable insights and spirited storytelling. Each episode offers a deep dive into the challenges and achievements that define the financial landscape, providing valuable lessons in finance, innovation, and resilience. Tune in for an experience that brings finance to life through the voices of its most influential leaders.

Interview with Jason Henrichs: The Future of Banking - Financial Services and TrustHost - Rory HollandInterviewed - Jason HenrichsThis EpisodeIn this conversation, CSTMR’s Rory Holland and Alloy Lab’s Jason Henrichs begin by discussing the Fintech House experience at SXSW, and the importance of attending events like this. Jason then gets into the purpose of Alloy Labs as a consortium of community banks, and highlights their focus on innovation. He shares his insights on the future of banking and fintech: how they are merging, and how financial services will embed into other industries. Jason also discusses the challenges in the fintech space, and points out the need for startups to solve real problems. The conversation ends with a discussion on building trust in the financial system, and the importance of authenticity and consistency in fintech.Key Takeaways Attending events like SXSW is important for people in banking and financial services to stay updated on the evolving needs of businesses and customers.The future of banking and fintech involves their full merger and the embedding of financial services into other industries.Startups in the fintech space must solve real problems in order to succeed.Building trust in the financial system requires authenticity, consistency, and transparency.Chapters00:00 Introduction and Fintech House Experience01:13 The Purpose of Alloy Labs03:06 Background and Experience in Finance05:27 Challenges in the Fintech Space06:19 Entering the Finance Space07:38 The Evolution of Fintech08:06 Building Trust in the Financial System09:43 Innovation and Problem-Solving in Banking11:05 The Future of Banks and Fintech Startups12:54 Restoring Trust in the Financial System14:54 Authenticity and Consistency in Fintech17:47 The Importance of Attending Events like SXSW18:16 Closing RemarksAbout Mighty FinsightsThis is 'Mighty Finsights,' the podcast where finance meets formidable insights and spirited storytelling. Each episode offers a deep dive into the challenges and achievements that define the financial landscape, providing valuable lessons in finance, innovation, and resilience. Tune in for an experience that brings finance to life through the voices of its most influential leaders.

This is 'Mighty Finsights,' the podcast where finance meets formidable insights and spirited storytelling. Hosted by financial services and fintech marketing agency CSTMR, this show explores the personal stories behind financial innovation, featuring interviews with the innovators, disruptors, and visionaries shaping the fintech and finance sectors. Each episode offers a deep dive into the challenges and achievements that define the financial landscape, providing valuable lessons in finance, innovation, and resilience. Tune into 'Mighty Finsights' for an experience that brings finance to life through the voices of its most influential leaders. Subscribe and join us on this journey at the heart of financial innovation.Whether you're a finance professional seeking insights from leaders in the field, a fintech founder curious about the latest trends, or someone fascinated by the stories behind successful enterprises, 'Mighty Finsights' is a waypoint to the financial world's complexities and spirit. Join us as we unveil powerful insights and the incredible people behind them. 'Mighty Finsights' offers lessons not only in finance but also in innovation, resilience, and the pursuit of excellence. It's more than a podcast—it's an experience where finance and insight come to life.Each episode is a journey into the heart of financial innovation and personal achievement. We sit down with finance professionals, fintech founders, and visionary leaders to uncover the narratives that are often overshadowed by numbers and charts. From humble beginnings to groundbreaking achievements, our guests share not just their successes, but the challenges and setbacks that have shaped their path in the finance industry.