Fintech Impact

In this 152nd episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Richard Owen, VP of Sales for Retail Wealth Management in North America for Ortec, a company that projects out returns for a variety of asset classes through the use of sophisticated econometric models! Episode Highlights: ● 0:39 – Richard Owen introduces Ortec and the services it provides. ● 3:02 – How did Richard come to be involved with Ortec? ● 4:32 – Jason and Richard compare Monte Carlo analysis and Ortec’s analytical strategy. ● 7:28 – Richard and Jason break down the differences between financial projection companies in Canada and Ortec. ● 11:17 – Jason and Richard discuss Ortec’s core capability of providing a realistic view of the future. ● 16:06 – How often do Ortec’s algorithms shift and adjust with the market? ● 18:18 – Richard breaks down just how specific of information their models bring to advisors. ● 20:11 – How

In this 151st episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Matthew Unger, the CEO of iComply, a company that deploys intelligent compliance management services! Episode Highlights: ● 0:35 – Matthew Unger introduces iComply. ● 1:18 – What was the origin of iComply and why did Matthew create it? ● 5:21 – How is iComply different from its competition? ● 8:49 – Jason translates iComply’s platform into layman’s terms. ● 10:15 – Matthew discusses the growing possibilities of client-side processing. ● 15:10 – How does iComply protect the user experience? ● 17:00 – Matthew breaks down the validation problems of current API–based KYC data services. ● 20:57 – What would Matthew change about his industry as a whole? ● 23:08 – Matthew discusses the biggest challenge in getting iComply to where it is today. ● 25:02 – What excites Matthew the most about what he does? 3 Key Points 1

In this 150th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Bill Winterberg, Founder of FP Pad, a source of educational content on tech for financial advising and forecasting. Bill is here to have a friendly chat about the current state of affairs as well as the future of tech in the world of financial advising!Episode Highlights:0:38 – Bill Winterberg introduces his website, FP Pad.3:04 – What did Bill do before he founded FP Pad?5:14 – Ted shares his dream before he went to college.9:35 – How painful was the state of affairs of technology when Bill got into financial advising?11:52 – Jason and Bill dive into the effects that AWS played on the cloud technology boom.15:42 – What are Bill’s best practices when he takes on a new client?20:53 – How much of an obstacle does changing the behavior of people in the firm represent?24:30 – Jason and Bill break down how to scale without integrating more than a firm can handle.28:08 – Where do

In this 149th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Mahima Poddar, the Senior Vice President of Digital Banking Strategy at Equitable Bank and head of EQ Bank!Episode Highlights:0:40 – Mahima Poddar introduces Equitable Bank and EQ Bank.1:15 – How did Mahima get to her current career?2:10 – What was the genesis of the decision to move to a Challenger bank?5:05 – Jason breaks down the banking system in Canada.6:55 – Mahima discusses the problems with lending/depositing with big banks.10:15 – Jason and Mahima vent about the dark patterns that big banks have with their accounts.15:30 – Challenger banks could have made the COVID-loan processes much simpler.17:02 – How does EQ collaborate with other players in the Challenger space?21:07 – Jason and Mahima dive into the willingness of the Canadian people to make a banking change.24:08 – What are the biggest concerns with open banking in different countries?29:37 – Mahima talks abo

In this 148th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Gangesh Ganesan, the Founder and CEO of PeerNova, a data management company that helps companies get control of their data to empower growth!Episode Highlights:0:32 – Gangesh Ganesan introduces PeerNova and its services.3:01 – How badly does it look when a company comes to PeerNova?5:10 – How do companies get onboarded and work with PeerNova?7:03 – Jason breaks down what a data lake is for those who don’t know.7:47 – What answers do clients get when they finish the onboarding process?10:20 – What are the biggest challenges that lead to data being inaccurate?15:00 – Do clients give positive feedback once they are onboarded with Peernova?18:47 – How does getting the data situation under control empower future innovation within these companies?20:54 – Jason explains the concept of low-code and no-code platforms.21:45 – Gangesh and Jason talk about the next level of AI and tren

In this 147th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews John Wu, CEO of Ava Labs, a blockchain company focused on financial institutions!Episode Highlights:0:33 – John Wu introduces Ava Labs.1:07 – John dives into his storied career in emerging technologies.5:38 – How did John dive into the world of blockchain?7:20 – The owner of Ava Labs reached out to join forces with John.8:00 – How does Ava Labs solve many of the problems that others do not?9:57 – Jason and John dive into the problems with crypto exchanges that exist today.13:50 – John breaks down the reason that blockchain integration will take a long time.16:28 – Jason and John talk about the evolution of banking and plastic payments.21:47 – How does the blockchain scale without forgetting about the libertarians that have helped build it?24:50 – Jason and John look 10 years into the future of blockchain.27:19 – If John could change one thing about his industry, what would

In this 146th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Daniel Döderlein, the Founder and CEO of Auka, the tech company that helped pioneer mobile-cash transfers in Europe!Episode Highlights:0:37 – Daniel introduces Auka and its journey.1:26 – Daniel talks about his history as an entrepreneur.6:15 – Jason and Daniel dive into the regulations that technology companies face and how they are used as a cop-out.11:03 – What was the genesis of Auka?19:20 – Daniel talks about the introduction of the smartphone and how that changed the mobile-finance game.22:32 – mCash lost its patent protection, leading to banks launching their own mobile-payment systems.24:10 – Daniel talks about his decision to take their mobile-payment system to the international market.27:02 – What does Settle, the next leg of the journey, look like?31:57 – What is one thing that Daniel would change in the ecosystem of his industry?33:53 – What was the biggest chal

In this 145th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Sam Bakken, the Senior Product Marketing Manager at OneSpan. OneSpan is a cybersecurity technology company that works to improve customer experience by improving security systems using things such as biometrics. Sam is here to talk about biometrics and the role that it will play in the future of technological security!Episode Highlights:0:36 – Sam introduces OneSpan and the services that it provides.1:40 – Diving into the history of OneSpan and how Sam got involved.3:41 – Sam defines biometrics and how they are built.4:59 – Where does Sam see biometrics going in the future?7:15 – How much of a challenge is it for security-minded companies competing with the likes of Apple?10:28 – In what fashion are we using biometrics today without knowing?12:55 – Sam breaks down the multitude of biometrics information that comes together in technological security systems.14:20 – Mike and

In this 144th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Michael Kane, co-founder of Hydrogen Platform, a fintech company working to build seamless financial platforms in an attempt to digitize the world financial system. Episode Highlights: ● 0:38 – Michael Kane introduces Hydrogen Platform. ● 1:22 – How did Hydrogen come to be? ● 3:22 – What is it like for Michael running a company with his twin brother? ● 4:55 – Michael breaks down the different fintech solutions that Hydrogen Platform offers to end-users. ● 12:20 – Explain the concept of high-code, low-code, and no-code programming. ● 18:03 – How does Michael see the end-vision for other brands and companies leveraging Hydrogen Platform and other platforms like it? ● 24:44 – Collaboration between the financial and tech industries will only grow in the future. ● 27:43 – Michael believes that pricing is far too high in his industry.&

In this 143rd episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Heinrich Zetlmayer, the Founder and CEO of Blockchain Valley Ventures, a Swiss venture firm that focuses on industry-leading blockchain businesses.Episode Highlights: 0:32 – Heinrich introduces Blockchain Valley Ventures.1:48 – Heinrich left IBM in 2008 to enter the venture capital industry.2:55 – Investments in the blockchain space needed to be separated from the business.4:26 – Blockchain Valley Ventures helps entrepreneurs by taking care of their problems.5:48 – Switzerland is a hotspot in the crypto world because of its unique regulations.7:07 – BVV invests in only two types of sectors.8:18 – With all the remote working brought on by COVID, Keyless has been brought to the forefront.9:32 – Heinrich discusses the multiple clusters in the supply chain management industry.12:03 – How are consumers finding product-market fit right now?17:49 – What excites Heinrich about

In this 142nd episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Matthew Bogart, Vice President of Marketing at NexJ Systems, a financial-specific CRM and data analytics tool. Episode Highlights: ● 00:27 – Matthew Bogart introduces himself and NexJ Systems. ● 01:35 – What is the history of NexJ ? ● 02:30 – How does NexJ go beyond just basic tracking? ● 03:48 – How has NexJ’s customer base evolved? ● 04:42 – What do they offer financial advisors? ● 06:12 – Matthew Bogart discusses the data points that NexJ looks at. ● 10:27 – NexJ has been around since 2004. ● 10:48 – What does Matthew see coming down the pipeline? ● 19:29 – Those that engage the most with their clients drive loyalty and are also usually the higher performing firms. ● 20:19 – What would Matthew Bogart change in his business or industry? ● 21:04 – What have been the biggest challenges Matthew Bogart has faced?&nbs

In this 141st episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Ned Phillips, Founder and CEO of Bambu. Bambu is a digital platform that helps businesses deploy robo advisor solutions quickly, fast, and customized. Episode Highlights: ● 00:56 – Ned Phillips introduces himself and Bambu. ● 02:48 – What led to the creation of Bambu? ● 04:04 – What was it about robo advisors that they gravitated towards? ● 05:50 – What problems did they run into with Bambu? ● 09:15 – When customers want Bambu to build them a robo advisor, what does that experience look like? ● 12:47 – What have been the responses to their robo advisors? ● 16:11 – How far down market in terms of client size or enterprise does Ned see this going? ● 17:48 – What does the pricing look like? ● 22:08 – What has demand been looking like? ● 26:04 – What would Ned Phillips change in his business or industry? ● 27:17 – What

In this 140th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Samir Vasavada the Co-Founder & Chief Executive Officer of Vise and Runik Mehrotra the Co-Founder & Chief Investment Officer of Vise. Vise is a next generation asset measurement platform that allows for the development, tracking, monitoring, and testing of portfolios made up of individual stocks. Episode Highlights: ● 00:30 – Samir Vasavada and Runik Mehrotra explain Vise. ● 01:40 – What led to the origin of Vise? ● 05:28 – What was the journey to getting Vise started? ● 06:55 – What does the workflow look like and the core data points? ● 08:45 – They talk about employment as a risk factor. ● 11:52 – What does a conventional portfolio look like to them? ● 15:57 – What are their thoughts on direct indexing? ● 19:39 – What has the feedback for Vise been like? ● 24:38 – What would Samir Vasavada and Runik Mehrotra chang

In this episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Peter Misek, Founding Partner of Framework Venture Partners. Framework Venture Partners is a venture capital firm that takes a data-driven approach to investigate and benchmark companies before they even invest in them, and also provide consulting investment feedback before and after the engagement process. Episode Highlights: ● 00:39 – Peter Misek introduces himself and Framework Venture Partners. ● 01:35 – What is the history of Framework? ● 04:04 – How does being data-driven benefit startups? ● 08:08 – What does Framework Venture Partners come back to a startup with after scoring them? ● 10:48 – What types of levels of dropping out have occurred? ● 12:56 – Are their results leading to a more diverse group of founders? ● 18:25 – What is the next step after a company scores well? ● 22:29 – Peter Misek describes the experience of his team. 

In this 138th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Ethan Buchman, Co-Founder of Cosmos and CEO of Informal Systems. Cosmos is one of the largest blockchains and one of the most valuable cryptocurrencies in the world, of which Ethan Buchman was an integral part of creating. Episode Highlights: ● 00:32 – Ethan Buchman explains Cosmos. ● 02:53 – What is Ethan Buchman’s history? ● 09:20 – What is the differences between and proof of work and proof of stake? ● 10:10 – Which countries consumed less power than bitcoin? ● 11:09 – Where else can you go besides bitcoin to maximize options? ● 12:00 – They discuss public and private blockchains. ● 16:06 – Where are the limitations with authurium? ● 25:24 – What does Informal Systems do? ● 35:01 – What would Ethan Buchman change in his business or industry? ● 35:49 – What have been the biggest challenges Ethan has faced? ● 36:5

In this 137th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews John Bromley, Founder and CEO of Charitable Impact and Mike Todd, Director of Charitable Investment Programs at Charitable Impact. Charitable Impact is a fintech online platform that enables charitable donations through donor-advised funds. John Bromley and Mike Todd talk about how they are able to get this done and what a donor-advised fund is. Episode Highlights: ● 00:38 – What is Charitable Impact? ● 01:30 – What was the impetus for Charitable Impact getting started? ● 03:44 – What is a donor-advised fund and why do they get used? ● 13:26 – How many people come directly and how many people come from other sources? ● 14:44 – Charitable Impact works with close to 100 investment managers across various firms. ● 16:58 – How does the technology work? ● 23:48 – What would John Bromley and Michael Todd change in their business or industry

In this 136th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Garima Shah, President of Biller Genie, a SaaS company that helps companies get paid faster on their accounts payable. Garima Shah explains how Biller Genie got started, how it works for clients, and the benefits of their value proposition. Episode Highlights: ● 00:29 – Garima Shah explains Biller Genie and the origin of the company. ● 02:57 – Which accounting systems does she commonly encounter? ● 05:28 – What was the journey to getting Biller Genie started? ● 06:55 – How does the billing model work for Biller Genie? ● 09:09 – Garima Shah takes us through the Biller Genie process? ● 11:52 – What has been the general feedback they have been getting from most companies? ● 22:06 – They talk about accounts payable automation efficiency. ● 27:04 – What would Garima Shah change in her business or industry? ● 30:39 – What have bee

In this 135th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews two members of senior leadership at Conquest Planning, Mark Evans, President and CEO, and Brad Joudrie, Chief Revenue Officer. Conquest planning is a next generation financial planning software that is bringing in various forms of modern technologies to planning that will help expedite and increase the accuracy and the effectiveness of financial planning. Episode Highlights: ● 00:35 – Mark and Brad explain Conquest Planning. ● 01:12 – How did Conquest Planning get started? ● 05:20 – What were the gaps in the industry that they were looking to fill? ● 16:14 – Why is the API infrastructure so important to customers? ● 21:40 – What has been the response from the potential clients they have spoken to? ● 24:24 – How have they made this easier and more efficient? ● 30:34 – Advisors will be able to learn the nuances of various strategies whi

In this 134th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host, welcomes Jennifer Leger and Venky Kulkarni, co-Founders of Quber. They discuss common barriers to saving money, how Quber works to help its users overcome those barriers, and how they’re planning to grow the company. Episode Highlights: ● 00:41 – Quber is a money-saving app that helps people to save for specific life events and goals. ● 01:02 – Jennifer was inspired to create Quber out of her own personal financial frustration. ● 01:40 – When you download the app and create an account, you’re prompted to create your first savings goal, like an emergency fund. ● 02:06 – Quber stores the money that users are saving in a trust account so they can’t easily spend it. ● 02:38 – This is not investing in the stock market, it is simply setting aside cash to have on hand. ● 03:09 – Quber starts with saving rules, outlining how money will be moved from your ba

In this 133th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Hayden James, Co-Founder and CEO of Fraction. Fraction is a company that is enabling a new method for getting equity out of your home or providing equity to purchase a home. Episode Highlights: ● 00:50 – Hayden James explains Fraction. ● 01:12 – How did Fraction get started? ● 02:44 – How do they facilitate the transaction of home ownership for the homeowner? ● 05:45 – Does selling a fraction of their home decentivise customers from maintaining their home? ● 06:44 – Where does the money from the interest reserve come from? ● 09:00 – Where are they finding the investors for this? ● 09:58 – What determines the amount of reserve someone would have? ● 12:29 – Where are they sourcing the real estate properties to securitize? ● 15:01 – Why is blockchain the right way to go with Fraction? ● 19:07 – What has been the negative f