DiscoverWharton FinTech Podcast
Wharton FinTech Podcast

Wharton FinTech Podcast

Author: Wharton Fintech Podcast

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Connecting you with the leaders, ideas, and companies that are reinventing global financial services. Our guests are the top FinTech founders, executives, investors, and thinkers from across the world.

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303 Episodes
Miguel Armaza sits down with Jarrid Tingle, Co-Founder and Managing Partner of Harlem Capital, an early-stage, diversity-focused venture capital firm that was founded in 2015 with the specific mission to fundamentally change the face of entrepreneurship. Jarrid and team now manage a $174 million portfolio comprised of 61% Black or Latino led companies and 43% female-only led companies. Harlem Capital aims to invest in 1,000 diverse founders over the next 30 years. Jarrid is also a proud alum of our amazing Wharton School! In this episode, we discuss: - Jarrid’s background and how he and his co-founders raised Harlem Capital’s initial capital while in business school - The story behind Harlem Capital’s very own Harvard Business School case - Importance of backing founders that fundamentally can sell and are analytical - Their fintech outlook and why Jarrid is excited about the power of fintech to help supercharge eCommerce - Debunking the myth of the pipeline problem and why it’s really just about giving people access and opportunities - Why he’s hopeful but not satisfied with the progress of the VC and Tech industry as it relates to diversity - Biggest lesson he’s learned as an investor - And a lot more! Jarrid Tingle Jarrid Tingle is Managing Partner of Harlem Capital where he focuses on deal sourcing, organizational strategy, and due diligence efforts. Jarrid was featured on the 2019 Forbes 30 under 30 list, 2019 Inc. 30 under 30 list, and the 2018 Ebony Power 100 list. He received his MBA from Harvard Business School (HBS) in 2019 where he was a Baker Scholar (top 5% of class). During HBS, Jarrid was a fellow in the Robert Toigo Foundation and Management Leadership for Tomorrow MBA Programs. Previously, Jarrid was a Private Equity Investment Professional at ICV Partners. Prior to ICV, Jarrid was an Investment Banker in the Global Technology, Media & Telecommunications Group at Barclays. Jarrid graduated cum laude from the Wharton School of the University of Pennsylvania with a Bachelor of Science in Economics and a Concentration in Finance. Jarrid was an active member of Friars Senior Society, Onyx Senior Honor Society, and The Lantern Senior Society. Upon graduation, Jarrid received the Wharton Undergraduate Dean’s Award for Excellence (Wharton’s highest honor). Jarrid’s favorite activities include reading, weight training, traveling, and attending concerts. About Harlem Capital: Harlem Capital (HCP) is an early-stage, diversity-focused venture capital firm. HCP makes initial investments of $750k to $1.5mm in U.S. Seed rounds for 10%+ ownership. For more FinTech insights, follow us below: Medium: WFT Twitter: Miguel's Twitter: Miguel's Newsletter:
Ryan Zauk sits down with Jeff Seltzer, Managing Partner of Pierce Yates Ventures and former board member of the New York Angels. Pierce Yates provides early-stage funding and advice to emerging companies with a focus on fintech and sports tech. The NY Angels is an incredible collection of some of New York's titans across various industries, who get together to invest and advise companies. Jeff is a proud Wharton alum and in 2019 received the Alumni Award of Merit in recognition of his lifelong commitment and service to Penn. In today’s episode, they cover: - His long road to investing and why it can be advantageous to do a stint in DC politics - New York Angels 101 including how they’re structured, the companies they back, and how you can get involved - The ups, downs, and many misunderstandings of angel investing Jeff wants to clear up - What founders and investors need to think about at the start of around - His must-read angel resources And much more. NY Angels: Book Recs: Jeff Seltzer: -- For more FinTech insights, follow us below: Medium: WFT Twitter: Ryan's Twitter: LinkedIn:
Ryan Zauk hosts legendary venture capitalist, billionaire, bitcoin investor, activist, and educator, Tim Draper. Tim Draper helps entrepreneurs drive their visions through funding, education, media, and government reform. His investments over the last few decades include companies like Baidu, Hotmail, Skype, Tesla, SpaceX, Robinhood, Twitter, Carta, Coinbase, and many more. He also is a large holder of bitcoin, having bought 50,000+ bitcoin when it was priced below $1,000. Draper Associates: DFJ: Website: Book: They discuss: - His bullish views on bitcoin and the 1 reason he will never sell - His investment in Robinhood, Carta, and others - His very strong libertarian views and why he believes in minimal government, which ties into his bitcoin thesis - Why the Mt Gox hack improved his belief in bitcoin - His thoughts on the current state of China and where it’s headed - And a fun rapid-fire round including the first bank branch in space and his updated bitcoin price target About Tim: Tim Draper is a prominent Silicon Valley venture capitalist and founder of Draper Associates, DFJ, and the Draper Venture Network, a global network of venture capital funds. The firms’ investments include Baidu, Focus Media, YeePay, KongZhong, Skype, Hotmail, Tesla, SolarCity, Coinbase, Ledger, Robinhood, Athenahealth, Box, TwitchTV, SpaceX, Cruise Automation, Carta, Planet, PTC, and many others. Tim is a leading spokesperson for Bitcoin, Blockchain, ICOs, and cryptocurrencies. He won the US Marshall’s auction in 2014 (where he bid on 50,000 bitcoins) and invests in over 50 crypto companies as well as leads investments in Coinbase, Ledger, Tezos, and Bancor, among others. He created viral marketing, a marketing method for exponentially spreading an electronic service from customer to customer. Tim is regularly featured on major networks, in publications, and in social media as a proponent for entrepreneurship, innovative governance, free markets, and Bitcoin. He has received various awards and honors including the World Entrepreneurship Forum's "Entrepreneur of the World." He has also been highly ranked on several notable lists including one of the top 100 most powerful people in finance by Worth Magazine, the top 20 most influential people in Crypto by Crypto Weekly, #1 most networked venture capitalist by AlwaysOn, #7 on the Forbes Midas List, and #48 most influential Harvard Alum. In his mission to promote entrepreneurship, Tim created Draper University of Heroes, a residential and online school based in San Mateo, California, to help extraordinary people accomplish their life missions. School alumni have gone on to build 350 companies including crypto leaders, QTUM, Spacecash, DataWallet, and Credo. He also started Innovate Your State, a non-profit dedicated to crowdsource innovation in government; and BizWorld, a non-profit that teaches young children how business and entrepreneurship work. Tim is involved in California politics and education/organizations, having served on the California State Board of Education and starting a movement for local choice in schools that led to him becoming a proponent for a statewide initiative for school vouchers. He also led a statewide initiative to create competitive governance with Six Californias, followed by an initiative for Three Californias. Tim received a Bachelor of Science from Stanford University with a major in electrical engineering and a Master of Business Administration from the Harvard Business School. He also has two honorary doctorates from The International University and Trinity College of Dublin. -- For more FinTech insights, follow us below: Medium: WFT Twitter: Ryan's Twitter: LinkedIn:
Miguel Armaza sits down with Eric Dunn, CEO of Quicken, one of the largest personal finance software companies in the US with over 17 million clients and also one of the original fintech brands, launched over 30 years ago. In this episode, they discuss: - Eric’s career and why he decided to join Intuit in 1986 as employee #4! - Becoming an investor and reflections from the years he spent in Venture Capital + how it made him a better operator - Quicken’s journey and some of their challenges and reflections from 35+ years - Thought process behind Intuit’s decision to spin off Quicken - His management approach and frameworks to make strategic company decisions - Analysis of a fast-growing fintech space - And a lot more! Eric Dunn Eric has served as the CEO of Quicken Inc since 2016. He has been part of the Quicken business since its early days – he joined Intuit, Quicken’s previous owner, as employee #4 in 1986, when Quicken was the only Intuit software product. Over the course of his 20 years at Intuit Eric served as the CFO through the 1993 IPO and merger with ChipSoft (TurboTax); while he was CFO, he was also a software developer who worked on almost all of the early versions of Quicken; he was the first VP/general manager of the Quicken business; he was Intuit’s first CTO; and then led Intuit’s payments business during an additional tour of duty at Intuit in 2010-2015. Eric retired from Intuit in 2000 to pursue a second career in technology investing, first as an angel investor and then as a General Partner at Cardinal Venture Capital. Eric has served on the boards of directors of dozens of companies and organizations, including six public companies. Eric is married and has two children, both recently graduated from college and employed. In his free time, Eric plays tennis and squash and is a piano student. He is also a helicopter pilot and flies a Robinson R66. About Quicken Quicken is the #1 personal finance software in the US. For over 30 years, customers have relied on Quicken to manage all their finances, so they can lead healthy financial lives. In 2016, Quicken, formerly part of Intuit, became an independent company. Its desktop and cloud product suite includes a family of products that cater to different financial needs and device preferences — Quicken Starter Edition, Quicken Deluxe, Quicken Premier, and Quicken Home & Business, all of which can sync with Quicken's website and mobile apps — as well as Simplifi for mobile and web. Simplifi, named the "best budgeting app" by The New York Times' Wirecutter, is designed to help a new generation of mobile-first customers easily stay on top of their finances. Over 17 million people have used a Quicken product to manage their finances. Learn more at
Ryan Zauk sits down with world-renowned former GE CEO Jeff Immelt. Fresh off the release of his book, "Hot Seat: What I Learned Leading a Great American Company," Jeff comes on to discuss his career and legacy, as well as numerous topics ranging from China/US Relations to new fintech trends. Jeff joined GE after graduating from Harvard Business School and worked there for the next 35 (with 16 as CEO). Following the iconic tenure of Jack Welch, Jeff had a rocky road as CEO, losing billions in market cap and weathering numerous crises. Jeff has received merciless criticism from academics, execs, pundits, and more over the last decade, and has finally decided to share his side of the story. Ryan & Jeff touch on it in today's episode, but we highly recommend picking up Hot Seat as your summer read: Book Links: Episode Breakdown: 4:25 His journey to the top of GE 7:50 The one thing Jack Welch did better than anyone 10:04 Why now was the right time to publish "Hot Seat" and what he learned 13:57 His thoughts on his legacy 20:24 His first day of work...September 10, 2001 24:46 His thoughts on globalization 27:40 China / US Relations and his advice for President Biden 33:23 GE Capital 101 and Fintech Trends He's Watching 41:56 His new role as a Venture Partner at NEA 44:37 A great rapid-fire round covering his exec dream team, his thoughts on 30 Rock, best business books, and more! 50:01 Why he has a tattoo of the GE logo Jeff Immelt is a Venture Partner at New Enterprise Associates (NEA), a global venture capital and private equity firm. He is the author of HOT SEAT, a memoir of leadership in times of crisis. Prior to joining NEA in 2018, Jeff was the 9th Chairman of GE and served as CEO for 16 years. He has been named one of the “World’s Best CEOs” three times by Barron’s. During his tenure as CEO, GE was named “America’s Most Admired Company” by Fortune magazine and one of “The World’s Most Respected Companies” in polls by Barron’s and the Financial Times. He has received fifteen honorary degrees and numerous awards for business leadership and chaired the President’s Council on Jobs and Competitiveness under the Obama administration. Jeff has a B.A. degree in applied mathematics from Dartmouth College and an M.B.A. from Harvard University. He is a member of The American Academy of Arts & Sciences. -- For more FinTech insights, follow us below: Medium: WFT Twitter: Ryan's Twitter: LinkedIn:
Miguel Armaza sits down with Scott Sobel, Co-founder & Managing Partner of Valor Capital Group, a cross-border venture fund focused on Brazil and United States opportunities, with offices in New York, Silicon Valley, and São Paulo. In this episode, we discuss: - Scott’s journey and why he and his father, Ambassador Clifford Sobel, decided to launch Valor focusing on the Brazilian market - Investing strategy and case studies from some of their most exciting portfolio companies - The incredible fintech opportunity in Brazil and Latin America - What’s driving their big bets in the crypto space - Lessons learned from over a decade of investing and the importance of staying with your winners - And a lot more! Scott Sobel Scott Sobel, Co-founder & Managing Partner of Valor Capital Group, was part of the founding team of the pioneer Internet Telephony company Net2Phone; Scott helped take the company from a piece of software that was first to bridge the PC and the Public Switch Telephony Network to acquiring millions of users, generating over $200M in revenue, an IPO (1999) and the strategic sale of the company to AT&T for $1.4 Billion (2000). Scott went on to hold executives positions in Symbol Technologies working with the Mobile Computing and Wireless Divisions and NCR Corporation based in Singapore responsible for Corporate Development and later the P&L for the Financial Line of Business in the Emerging Markets. Scott was fortunate to be in a position to bring his skill sets, passions, and experiences to support other entrepreneurs in the U.S. and Brazil reach their visions. Scott holds a Bachelor of Science degree from Syracuse University. Scott has primarily lived and worked in the emerging markets (China, India, and Brazil) for the past decade, who is a passionate surfer and practices Jiu Jitsu. Valor Capital Group Founded in 2011, Valor Capital Group is the pioneer cross-border venture fund focused on Brazil and United States opportunities, with offices in New York, Silicon Valley, and São Paulo. The firm partners with visionary entrepreneurs building transformative businesses from startup to scale-up. Valor is committed to the success of their portfolio companies by providing capital, operational support and connectivity to global markets. The firm operates in two investment strategies: Growth Equity and Venture Capital. For more FinTech insights, follow us below: Medium: WFT Twitter: Miguel's Twitter: Miguel's Newsletter:
Miguel Armaza sits down with Charlie Javice, Founder and CEO of Frank, a company that aims to make the application process for student loans faster and easier. Charlie founded the company in 2016 and has since reached almost 10 million households and raised over $25 million dollars in equity from top industry investors like Apollo, Slow Ventures, Reach Capital, and Tusk Venture Partners. She’s also a proud alum of our very own Wharton School. In this episode, we discuss: - Charlie’s background and how her family history inspired to pursue an entrepreneurial path - Her experience dealing with financial aid at the University of Pennsylvania and how it led Charlie to launch Frank - Their approach to help fix the underserved student loan market - Frank’s journey to reach almost 10 million households - Building company culture and why empathy is the most important trait she looks for in new hires - Valuable advice for entrepreneurs - What she considers her greatest achievement to date - A lot more! Charlie Javice Ms. Charlie Javice is CEO and Founder of Frank, the leading and fastest growing financial wellness platform for college students and frontline workers in the US. Frank helps students apply for FAFSA® in under 7 minutes, match students with scholarships and get exclusive discounts on college courses. For more FinTech insights, follow us below: Medium: WFT Twitter: Miguel's Twitter: Miguel's Newsletter:
Ryan Zauk sits down with Kendrick Nguyen, Co-Founder & CEO of Republic. In 2016, Ken co-founded Republic, a platform empowering everyday people, both accredited and not accredited, to invest in the future they believe in. Republic provides access to high-growth startups, real estate, mission-driven enterprises, crypto, video games, and more. Republic has facilitated over $300 million in investments from over one million global community members! Ryan & Kendrick Discuss: - His long journey from immigrant, to lawyer, to startup founder - How Republic works from both the investor and business side - The coming disruption of venture capital - Their onboarding of GumRoad and Backstage Capital - Value aligned investing - And a fun rapid-fire round including a hilarious first job, his thoughts on Naval, the best Vietnamese in the Bay, and more! Link: Republic.Co For more Fintech insights, follow us below: Medium: WFT Twitter: Ryan's Twitter: LinkedIn:
Miguel Armaza sits down with Kelly Fryer, Executive Director of FinTech Sandbox, a nonprofit that promotes innovation in the financial sector worldwide by providing FinTech entrepreneurs and startups with access to critical data and resources at no cost. The Fintech Sandbox accepts new startup applications on a rolling basis, so if you or someone you know is part of a fintech startup that could benefit from this critical program, make sure to apply! We discuss: - Kelly’s background and why she’s so passionate about new technologies and their applications in the financial industry - The importance of access to data and resources for early-stage startups and how the Fintech Sandbox helps democratize access to information - Their application process, program structure, and the kind of startup they typically look for - Driving Inclusive Fintech and why this is one of Kelly’s most important goals - And just a lot more! Kelly Fryer Kelly Fryer is the Executive Director of FinTech Sandbox, where she leads the organization’s strategy, operations, and community. Given her experience both partnering with major financial services companies and cultivating FinTech startups, Kelly is excited to continue to build out FinTech Sandbox’s vision. Prior to the Sandbox, Kelly was the Director of Techstars’ FinTech accelerator program - the Barclays Accelerator, powered by Techstars New York. She managed the accelerator operations and fostered the community for three years, as well as sourced, selected, and advised early-stage FinTech startups. Kelly also spent several years on Bloomberg LP’s Global Data team - managing relationships with financial data providers and banks, running the custom index business, and leading technical projects for the department. Kelly received her MBA from Indiana University’s Kelley School of Business, focusing on Corporate Innovation and Venture Development. About FinTech Sandbox FinTech Sandbox is a nonprofit that promotes innovation in financial technology and financial services globally by providing FinTech entrepreneurs and startups with access to critical data and resources at no cost. The company accepts new startup applications for its Data Access Program on a rolling basis, and has accepted over 230 startups into the program since launching six years ago. FinTech Sandbox also hosts Boston FinTech Week, next taking place from September 28 - October 1, 2021. For more information, please visit & For more FinTech insights, follow us below: Medium: WFT Twitter: Miguel's Twitter: Miguel's Newsletter:
In today's episode, Ally McCloskey sits down with Hussein Ahmed, Founder & CEO, and Ryan Conway, Head of Business Development & Strategic Partnerships, at Oxygen. Oxygen is a modern financial platform designed for the 21st century economy - providing digital natives, creators and entrepreneurs pushing everyday boundaries a banking partner that understands how they live and work. Oxygen offers a seamless user experience for both personal and business accounts and is available on both iOS and Android. Its users enjoy no monthly fees, early direct deposit, simple transfers, and cashback rewards on everyday purchases. Businesses can easily control their finances with integrated solutions that are elegant, simple and secure. Their motto? Reject ordinary. Banking for the Extraordinary. In this lively conversation, Ally, Hussein, and Ryan cover a wide range of topics including: -Redefining the Gig Economy beyond Uber drivers and DoorDash deliverers to include the full on-demand workforce of creators -The material difference that aesthetics and design can make in customer engagement and NPS scores -Lessons learned from their many marketing 'experiments' - from partnering with influencers to running ad campaigns on the back of muni buses -Why many neobanking startups are 'doomed to succeed' given the segment's funding and press buzz -Reflections on fundraising, particularly after their $17mm Series A -Why building a capital-intensive and reliable fintech startup that handles something as personal and critical as money doesn’t afford you the typical startup luxury of hiring hustlers to move fast and break things And so much more! Hussein Ahmed Hussein, Oxygen's Founder & CEO, is a multi-time founder originally from Egypt. After selling his first company to a PE firm, Hussein completed his PhD in Computer Science at Virginia Tech, earned his MBA at Berkeley’s Haas School of Business, built and exited another SMB-focused company called Transpose, and faced the unique challenges of banking with variable income while consulting in the Bay Area. Ryan Conway As Head of Business Development and Strategic Partnerships, Ryan leads growth and partner efforts focusing on product, distribution, and revenue. He previously held roles at Mastercard in Digital Partnerships, Worldpay in Payments through the company’s IPO, BlueSnap, and completed his MBA at the Thunderbird School of Global Management. As mentioned in the episode, be sure to check out Oxygen's open roles here: . -- Referenced in this episode: Dribbble: Twine: Freelancing Females: -- As always, for more Fintech insights, please follow us below: WFT Blog: WFT Twitter: Ally's Twitter: LinkedIn:
Miguel Armaza sits down with the amazing Kevin Busque, Founder and CEO of Guideline, a modern 401(k) provider for small businesses. Under Kevin’s leadership, Guideline has grown to be the retirement plan of choice for more than 20,000 small businesses, amassing more than $4 billion in assets under management and raising over $140 million in equity from top industry investors like Generation Investment, Tiger Global, Greyhound, Lerer Hippeau, Amex, Propel, Felicis, NEA, and many more. Kevin founded Guideline after seven years as a Co-Founder at TaskRabbit, another massively successful business that was acquired by IKEA in 2017. We also want to extend a special thank you to professor Adam Grant for his help in making this episode a reality, where we discuss: - Kevin’s background and how his upbringing led him down the entrepreneurial journey - Launching Guideline from a house garage and some of their early-day challenges - Navigating the pandemic and why they had no idea how it would affect their business (hint, they actually doubled in size) - The surprising effect of the pandemic on US retirement savings rates, increasing from 8% to 12% - Kevin’s philosophy around culture and why he does not like to take an active role in dictating a company culture - Valuable reflections for entrepreneurs and the importance of always doing the hard things first Kevin Busque Kevin is the founder and CEO of Guideline, a modern and affordable modern and affordable 401(k) for small businesses. Under Kevin’s leadership, Guideline has grown to be the retirement plan of choice for more than 20,000 small businesses, amassing more than $4 billion in assets under management. A World Economic Forum Technology Pioneer, Fast Company named Guideline one of the World's Most Innovative Companies and Forbes named it to its Fintech 50—a ranking of the companies shaping the future of money—twice. Kevin founded Guideline after seven years at TaskRabbit, the online and mobile labor marketplace that he co-founded, which was acquired by IKEA in 2017. Kevin has been featured in Inc., the New York Times, and the Wall Street Journal, and is a contributor for Entrepreneur Magazine. The son of an Army intelligence Sergeant, he grew up in several cities across North America and Europe, but considers himself a New Englander. He now lives in San Mateo, California. About Guideline Guideline launched in 2016 with a mission to create an honest, easy retirement platform that gives people confidence they'll have a retirement they can look forward to. Since its launch, Guideline has grown to support more than 20,000 small business clients, managing more than $4 billion in assets. Guideline handles the heavy lifting—from plan administration and employee onboarding, to compliance testing, government filing, and recordkeeping—to make small business owners’ jobs easier. For more FinTech insights, follow us below: Medium: WFT Twitter: Miguel's Twitter: Miguel's Newsletter:
Ryan Zauk sits down with fintech investor & frequent Wharton Fintech collaborator, Michael Sidgmore! Michael is a Partner at Broadhaven Ventures, part of Broadhaven Capital Partners, a leading merchant bank focused on financial services. In addition to Broadhaven, Michael runs a media platform called Alt Goes Mainstream, as well as Community x Capital with Reddit Founder Alexis Ohanian. These platforms focus on the emergence of alternative assets, 'culture assets,' investing, and the convergence of community & capital. Michael is ultra-deep in fintech, with years of experience as an investor, operator, advisor, angel, and more in this space. In today’s episode, they discuss: - The evolution of the Alts landscape over the last decade and the major trends that will drive it forward - His investment in and admiration for Republic and its CEO Ken Nguyen - The huge opportunity for wealth managers and alternative assets - The rise of the passion economy with products like sneakers, sports cards, and wine - His collaboration project with Mario Gabriele of the Generalist with Coinbase’s Direct Listing - and much more! Community X Capital: Alt Goes Mainstream: -- For more Fintech insights, follow us below: Medium: WFT Twitter: Ryan's Twitter: LinkedIn:
Miguel Armaza sits down with Anna Irrera, Chief Correspondent at Reuters in London where she covers fintech and tech-related developments at some of the world’s largest financial institutions. In her role she works on stories at the intersection of Wall Street and Silicon Valley, including crypto, blockchain, peer-to-peer lending and online investing. In this episode, we discuss: - Anna’s journey and why she began covering Fintech before it was cool and mainstream - The exponential evolution of fintech over the last 10 years and why it’s increasingly more challenging to cover the space - Her editorial process and the steps she takes when deciding to write a story - The rise of crypto and why the audience loves reading about it - Noticeable differences of shifting bank cultures - Rise of global fintech - And a lot more! Anna Irrera Anna Irrera is a Chief Correspondent at Reuters in London where she covers the financial technology sector and technology related developments at some of the world’s largest financial institutions. In her role she works on stories on topics at the intersection of Wall Street and Silicon Valley, including cryptocurrencies and their underlying technology blockchain, peer-to-peer lending and online investing. Anna was previously team leader for financial companies coverage and fintech correspondent for Reuters based in in New York. She joined Reuters in 2016 having previously covered fintech for more than three years at Financial News, a Dow Jones newspaper in London, where she played a key role in the publication’s expanded fintech coverage. She joined Dow Jones in 2012 as an online reporter for Financial News, having moved to the UK from Rio de Janeiro, Brazil where she worked at Reuters’, English language international service. She holds M.S. degree (with honors) from the Columbia University Graduate School of Journalism in New York and a graduate degree in law from the Università Cattolica del Sacro Cuore in Milan. For more FinTech insights, follow us below: Medium: WFT Twitter: Miguel's Twitter: Miguel's Newsletter:
Miguel Armaza sits down with Ali Tamaseb, Partner at DCVC, a VC fund that backs teams applying deep tech to transform giant industries. Ali is also a published author, having recently authored Super Founders: What Data Reveals About Billion-Dollar Startups, a book that uses a data-driven approach to understand what really differentiates billion-dollar startups from the rest—revealing that nearly everything we thought was true about them is actually false. Ali Tamaseb began this project four years ago, trying to answer a single question: what was different, if anything, between startups that go on to become billion-dollar successes and those that raise VC funding but don’t succeed in that scale? Thousands of hours later, having manually collected 30,000+ data points, he was shocked with the result. The data rejected so many popular narratives that he decided to write a book based on the findings. In the process, Ali interviewed founders of many billion-dollar companies like Zoom, Instacart, GitHub, and Nest, as well as investors like Alfred Lin, Elad Gil, and Keith Rabois. Ali learned a great deal of lessons through this interviews and their stories were full of inspiration and a reminder that there are years of unnoticed ups and downs before every “overnight success”. Small successes are great preparations for much bigger outcomes in startup land. The book is full of profound lessons and inside stories from founders of some of the most successful companies in the industry and highly recommended for those interested in the ingredients of successful startups. Ali Tamaseb Ali brings the perspective of an entrepreneur and previous startup founder, as well as a highly technical academic researcher to DCVC. Ali has walked in the shoes of many of the scientist-turned-entrepreneurs that we back and has first-hand experience with the challenges they face. At DCVC, he works on a broad spectrum of areas ranging from computational health/bio to cybersecurity. More specifically, Ali likes to identify early-stage highly technical and defensible startups in diagnostics tools, neuro-technology, precision medicine, synthetic bio and bio-logic, disruptive healthcare models, financial technologies, alternative data, next-generation computing, cryptography and blockchain. Ali received a B.Eng. in Biomedical Engineering from Imperial College London and graduated from the SIGM program at Stanford Graduate School of Business. He did research in the fields of neuroscience and human-computer interaction. Ali has 6 publications, including one book, holds a number of patents, and has won medals in national and international olympiads and innovation fairs. Ali was an honoree of the British Alumni Award, and Imperial College President’s Medal for Outstanding Achievement. Ali and his work has been featured in BBC, Guardian, Forbes, The Telegraph, and others. Ali has given talks and been on panels at major events and conferences including two TEDx talks. For more FinTech insights, follow us below: Medium: WFT Twitter: Miguel's Twitter: Miguel's Newsletter:
Anirudh Singh sits down with Devie Mohan, CEO and Co-Founder of Burnmark. In this episode they discuss: - Founding Burnmark - The changing relationship between fintechs, incumbents, and regulators - Devie's time teach fintech courses - Devie's first book "The Financial Services Guide to Fintech" and plans for future publications - The future of fintech and why it may disappear And more! Devie Mohan: Devie Mohan is an influential writer, speaker, and commentator on fintech, and is the co-founder and CEO of Burnmark, a fintech research company, that supplies research and data to all players of the fintech ecosystem. Devie has helped several banks, fintech startups, innovation groups, and investors understand the trends in the fintech industry, helping them set their corporate, marketing, and investment strategies. She is also a proponent of a fintech ecosystem where banks and startups collaborate to drive innovation. She is a panel member on the ING Group Think Forward initiative on better financial decision-making. She is the author of “The Financial Services Guide to Fintech” and a columnist with several publications. She is actively involved in the fintech community and has been listed in the top 10 of several global fintech influencer lists. For more FinTech insights, follow us below: Medium: LinkedIn: WFT Twitter: Anirudh's Twitter:
Ryan Zauk sits down with none other than Harry Hurst, Co-Founder & CEO of Pipe. Harry Hurst is a serial entrepreneur who developed a passion for technology early in life, graduating high school age 12 studying Computer Science. Harry and Pipe Co-Founder Josh Mangel built their first company Skurt, a financial technology company in the mobility space. After four years, Skurt was successfully acquired by Fair in 2018. Pipe was founded in 2019, to unlock the largest untapped asset class in the world — revenue — to empower entrepreneurs and companies to grow their business on their terms without debt or dilution. Harry has raised over $150 million for his companies and is considered an industry expert on financial technology and emerging asset classes. He is also an angel investor and mentor to a number of companies. Pipe is unlocking revenue as an asset class, allowing founders to fund their businesses without the need to raise dilutive equity capital or restrictive debt, by trading their revenue streams on a 2-sided marketplace. Pipe has been an amazing success story of the pandemic, and just raised strategic equity from an all-star cast of investors including Siemens, The Raptor Group, Marc Benioff, Michael Dell, Shopify, HubSpot, 776, Slack, Republic, Chamath Palihapitya, and more. In today’s episode, they cover: - His journey to America and the allure of the American Dream - Raising $6M from David Sacks in just 13 minutes! - How Pipe really works and his vision for becoming the NASDAQ of revenue - A Wharton Fintech-exclusive product roadmap teaser - How Pipe’s incredible round came together - Hiring during COVID and his concept of MicroHubs And much more! Harry’s Guest Article on Wharton Fintech: Secret Leaders: -- For more Fintech insights, follow us below: Medium: WFT Twitter: Ryan's Twitter: LinkedIn:
Miguel Armaza sits down with Coen Jonker, Executive Chairman and Co-founder of Tyme, a digital banking business operating in Africa and Southeast Asia. Tyme’s flagship project is TymeBank in South Africa, which was launched in February 2019 and has since grown to over three million customers just over two years. An incredible growth! In this episode, we discuss: - Coen’s background and why he’s always been interested in the transformative potential of business for economic inclusion - Idea behind TymeBank and why Coen and his co-founders decided to launch banking solutions for the unbanked in South Africa - Decision behind launching a hybrid banking model, integrating the digital bank into retail environments - Scaling to 3 million clients in 2+ years - Stories from a tough fundraising journey and how their largest shareholder come to be a group of ordinary citizens and community groups in South Africa - International expansion to Southeast Asia - Entrepreneurial lessons for founders in emerging markets - And a lot more! Coen Jonker Coen Jonker is the Executive Chairman and Co-founder of Tyme, a digital banking business operating in Africa and Asia. Tyme’s flagship project is TymeBank in South Africa. It was launched in February 2019 and has since grown to over three million customers making TymeBank one of the fastest growing neobanks worldwide. Coen began his career with Edward Nathan Corporate Law Advisers (now ENS) in 1996 and became its CEO in 2000. In that year, he also joined the Nedcor Investment Bank executive committee. In 2005, he left legal practice to join Standard Bank as Director of Community Banking. There he led a strategy to extend banking to underserved consumers, adding digital channels and more than a million additional customers to the bank. In 2011, he moved to Deloitte as a Partner in the strategy and innovation practice. In June 2012, Tyme was spun out of Deloitte as a new venture. The business was acquired by the Commonwealth Bank of Australia (CBA) in January 2015, after which Coen moved to Hong Kong to lead CBA’s digital initiatives across Asia. In 2017 he was appointed Group Executive at CBA, responsible for its international retail banking and insurance business. At the end of 2018 Coen partnered with African Rainbow Capital (ARC) to buy the Tyme business from CBA. He holds an MBA from GIBS and two law degrees with honours. He has held multiple Board positions, including eBank Namibia, Vietnam International Bank and PT Bank Commonwealth in Indonesia, which he chaired until December 2018. For more FinTech insights, follow us below: Medium: WFT Twitter: Miguel's Twitter: Miguel's Newsletter:
Miguel Armaza sits down with the legendary Sallie Krawcheck, Co-founder and CEO of Ellevest, an innovative digital investment platform built by women, for women, providing solutions for all stages of women's financial lives to help them invest more, save more, and earn more. Founded in 2015, Ellevest recently crossed over $1B in Assets Under Management, backed by some of the most impressive names in the industry, including PSP Partners, Khosla Ventures, Mastercard, Paypal, Allianz, Eric Schmidt, Max Levchin, and Mohamed El-Erian. Sallie is one of the highest-ranked women to have ever worked on Wall Street, is an influential writer and thinker, and without a doubt one of the most impressive people to join us on this podcast. We also want to extend a special thank you to professor Adam Grant for his help in making this episode a reality. We discuss: - Sallie’s storied career on wall street and how it felt to be publicly fired not one but two times, and the lessons she learned from these experiences - Inspiration behind Ellevest, and what she wished she knew before venturing into entrepreneurship - Overcoming cultural beliefs and other particular challenges of building an investment firm for women - The most meaningful moment from her time at Ellevest, and why it still gives her chills to think about it. - Why Sallie is concerned about the progress of gender diversity in the corporate world - Lessons for leaders and entrepreneurs and the importance of seeing problems where others don’t - And a whole lot more! Sallie Krawcheck Sallie Krawcheck is the Co-founder and CEO of Ellevest, an innovative digital investment platform designed to help women reach their financial goals. She is also Chair of Ellevate Network, a professional networking community whose mission is to advance women in business. She is one of the highest ranked women ever to have worked on Wall Street, having held posts such as CEO of Smith Barney, CEO of Merrill Lynch Wealth Management, and CFO of Citigroup. She is one of the most-read “Influencers” on LinkedIn, and has been profiled as one of Fast Company’s “Most Creative People” in business, as well as in The Wall Street Journal, Fortune, Forbes, and more. Krawcheck attended the University of North Carolina at Chapel Hill and holds an MBA from Columbia University. About Ellevest Ellevest is a financial company built by women, for women, providing solutions for all stages of women's financial lives to help them invest more, save more, and earn more. Ellevest's offerings include digital investing tools, banking services, discounted access to professional coaching, and learning resources, as well private wealth management for high net worth clients who want a customized financial strategy that may include investing for impact. Ellevest has built a community of 3+ million Elle Raisers working toward financial equality. To learn more, check out For more FinTech insights, follow us below: Medium: WFT Twitter: Miguel's Twitter: Miguel's Newsletter:
SPACs, SPACs, and more SPACs. It has been a SPAC mania over the last year, catapulting a fringe financial transaction to the front page of the Journal as hundreds of SPACs went public. Ryan Zauk sits down with Lee Einbinder, CEO of FinServ Acquisition Corp 1 and 2, and former Vice Chairman at Barclays. A long-time FIG and Fintech banker at Lehman and Barclays, Lee comes on the show to help demystify SPACs, what they do, and the advantages and concerns of them. They also dig into: - FinServ Acquisition Corp 1’s announced merger with Katapult - What Fintech was like in the late 90s (including a "baby" Elon Musk & Peter Thiel) - His retort to the Upstart CEO's critique of SPACs in our episode with him - The industry trends he’s most excited about in the coming year - And a rapid-fire round with a surprising answer about what students should do after graduating school in 2021. Katapult: D&O Insurance: For more Fintech insights, follow us below: Medium: WFT Twitter: Ryan's Twitter: LinkedIn:
Ryan Zauk sits down with Rana Yared, Partner at Balderton Capital, one of Europe’s most storied venture capital firms. Rana is a former partner at Goldman Sachs, and helped lead the firm's principal strategic investments in the US and UK. She represented Goldman Sachs on the Boards of Tradeweb, NAV, Vestwell, New York Shipping Exchange, and Swapclear @ LCH. Rana joined Balderton as a General Partner in 2020, focusing on fintech investments. In today’s episode, they discuss: - Her long journey from Wharton to Goldman to Balderton, and a surprise stop for a masters in securities analysis (nukes and bombs, not stocks and bonds) - The secret sauce of Balderton, the Balderton Collective, and their fantastic track record - The two fintech verticals she’s most excited about - The 3 key things on her investor checklist and what is an immediate dealbreaker - Her investment in Unqork while at Goldman and Flywire while at Balderton - Why she’s so excited about Europe, Balderton’s new liquidity fund, and the massive “bridge” opportunity she sees - And a rapid-fire round including her best pastry, favorite restaurant in London, and her advice to founders. For more Fintech insights, follow us below: Medium: WFT Twitter: Ryan's Twitter: LinkedIn:
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