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Fintech is no longer just about expanding access to financial services; it’s also about increasing their quality. In this episode, Accion Venture Lab’s Amee Parbhoo sits down with TS Anil, Global CEO of Monzo Bank, to discuss his principles of building a sustainable and growth-oriented business, and what he sees for the future of inclusive fintech.TS shares his personal and professional journey, and how he managed a company through the pandemic. During the conversation, TS also shares some practical advice for CEOs and founders on leading in uncertain times. To learn more about Accion Venture Lab, visit our website and follow us on Twitter and LinkedIn.
Climate change threatens vulnerable, low-income populations around the world, including smallholder farmers. In this discussion, we explore if fintech solutions can address farmers' pain points. Mayada El-Zoghbi, Managing Director of the Center for Financial Inclusion, leads a panel discussion between entrepreneurs and investors to discover how financial solutions can help combat and mitigate climate risks. Smallholder farmers are a crucial component of the agriculture supply chain; unfortunately, they are also the most susceptible to long-term negative effects of climate change. Together, panelists explore how financial services and solutions aimed at smallholder farmers can help smooth these effects and create lasting livelihoods for this population.Speakers:Mayada El-Zoghbi, Managing Director of the Center for Financial InclusionNick Hughes, Founder and Managing Director of 4RDigitalRicardo Salinas, Director and Manager for Impact of the U.S. International Development Finance CorporationMaurice Scheepens, FMOYoga Anindito, Co-Founder of SemaaiTo learn more about Accion Venture Lab, visit our website and follow us on Twitter and LinkedIn.To learn more about Accion Venture Lab, visit our website and follow us on Twitter and LinkedIn.To learn more about Accion Venture Lab, visit our website and follow us on Twitter and LinkedIn.
The pandemic greatly accelerated digital adoption. Now, tech is cheaper and more accessible. But innovative fintech products can  risk leaving customers behind, especially those who aren’t experienced with or comfortable using technology. Prateek Shrivastava of Accion speaks with four fintech and industry leaders at the Fintech for Inclusion Global Summit to explore how to build fintech platforms that are innovative and accessible to customers everywhere. Together, these panelists share how they balance tech and touch within their products. They discuss how to help clients move from simple to complex products without getting left behind, help communities build trust in new technologies, and build strategies to help customers feel comfortable with new fintech products. Speakers:Prateek Shrivastava, Vice President Global Operations at AccionFernando Sucre, Founder & CEO of R5Neeraj Bansal, Co-Founder & CEO of CredrightSofiat Abdulrazaaq, Co-Founder & CEO of Goodfynd.Xavier Faz, Lead of Digital Finance Frontiers at CGAPTo learn more about Accion Venture Lab, visit our website and follow us on Twitter and LinkedIn.
Entrepreneurs are working worldwide to build financial solutions across credit, payments, and insurance so small business owners can better access financial services. Embedded finance is evolving quickly, and its capabilities are widening. In this episode, Amee Parbhoo sits down with four CEOs at the Fintech for Inclusion Global Summit to hear how their companies are building embedded finance solutions that uniquely reach underserved populations across the globe.Each panelist shares why they chose to develop embedded finance solutions and how it gives small business owners access to credit and payment solutions. Then, they discuss the importance of transparency around pricing and between partners, how to combat the risks around data privacy, how to make the value proposition work for end customers and offer solutions that simplify the technical integration processes.To learn more about Accion Venture Lab, visit our website and follow us on Twitter and LinkedIn.Panelists:Rajeev Agrawal, Founder, and CEO of Innoviti TechnologiesJihan Abass, Founder and CEO of LamiVahid Monadjem, CEO of NomaniniSuzy Ferreira, Founder and CEO of Dinie
We’ve talked with industry leaders about blockchain, web3, and cryptocurrency’s potential impact on financial inclusion. Now the question arises: what do we do now? In this final episode of Season 3, Matt Schaar talks with fellow host Amee Parbhoo about how Accion Venture Lab is looking at the web3 space, and how the industry can evaluate and support the industry to support founders building solutions to increase financial inclusion.  Why should investors in inclusive fintech care about web3? Matt and Amee discuss this and explore if web3 provides access to better financial products, if there should be more transparency in delivered solutions, and if these solutions can help the financially excluded build more wealth. Some people argue that the “crypto winter” is upon us, and Matt and Amee discuss why some web3 projects are failing and whether we are investing at the wrong time. Lastly, they explore how to invest in responsible web3 solutions. Read Hope or hype: web3 and its potential to advance financial inclusion.To learn more about Accion Venture Lab, visit our website and follow us on Twitter and LinkedIn.
Mercedes Bidart worked in community development for years. Her research showed that women and families needed support to build wealth in informal economies, particularly in Latin America. Thus, the idea for a digital, decentralized, community-focused bank was developed. In this episode, host Matt Schaar talks with Mercedes about how Quipu Bank is building essential financial services to women-owned small businesses in Colombia. Mercedes Bidart is the co-founder and CEO of Quipu, a web3-enabled financial institution. Mercedes shares how Quipu uses web3 technology to access more data on businesses to more effectively assess their creditworthiness and how adopting liquidity pools ensures stability when market fluctuations occur. Mercedes and Matt also discuss connecting crypto's benefits with Quipu’s underbanked and underserved customers. Read Hope or hype: web3 and its potential to advance financial inclusion. To learn more about Accion Venture Lab, visit our website and follow us on Twitter and LinkedIn.
Web3 is gaining momentum, and USAID wants to ensure that new fintech in this space is sustainable. In this episode, host Matt Schaar talks with Paul Nelson, Senior Advisor of the Digital Finance Team at USAID, to discuss how USAID promotes financial well-being by strengthening and promoting the development of open, inclusive, and secure digital ecosystems.Paul shares how to find the right partners in the private sector to build the best financial outcomes, how to encourage organizations to start thinking about financial inclusion when entering the cryptocurrency space, and what Web3 models promise the most sustainable solutions for financial inclusion. To learn more about Accion Venture Lab, visit our website and follow us on Twitter and LinkedIn.
MSMEs are the fuel of the global economy, but there is often a disconnect between lenders and MSMEs on how to provide low-cost and abundant capital. Host Matt Schaar talks with Sam Eyob of Goldfinch on how Blockchain can be a potential solution to resolve this challenge. Sam shares his journey from traditional capital providers to Warbler Labs and Goldfinch, the various business models Goldfinch operated under, and his opinion on how to build sustainable cryptocurrency systems that work for everyone. Sam and Matt also discuss how Blockchain systems can complement existing financial rails, if embedded finance can be enhanced on the Blockchain, and if that’s even a good idea in the first place. To learn more about Venture Lab, visit our website and follow us on Twitter.
Market disruptions happen. But, they often leave the people on the frontlines of those markets to pick up the pieces. Host Matt Schaar talks with Tim Rann and Ken Kou of Mercy Corps Ventures about how their team is investing in and testing blockchain-enabled solutions to determine if this relatively new technology can help build resilience in underserved communities and equip them to bounce back after market shocks. Tim and Ken share Mercy Corps Ventures’ journey into web3, including which models they’re investing in and testing to ,build inclusive fintech systems that allow communities to recover quickly when disruptions affect their market. They also share ways to build responsible solutions in the risky — and potentially harmful — crypto-enabled world.To learn more about Accion Venture Lab, visit our website and follow us on Twitter and LinkedIn.
In the third season of Fintech for The People, we’ll speak with industry leaders about the trends and technologies in crypto and decentralized finance and explore their potential to drive financial inclusion. We’ll hear from advocates, skeptics, investors, and builders as we aim to shed  more light on this topic. If you’re entering this conversation with similar questions as us, we hope you’ll walk away with a more comprehensive view of the topic – and from there, draw your own conclusions.Fintech has the power to build a more inclusive world. Fintech for the People showcases the innovators who are developing fintech solutions that reach the people who’ve been left behind. In each episode, we’ll hear from leaders who are creating and investing in financial solutions that bring every person the financial tools they need to grow their business, support their family, and build their community. Together, we’ll learn how fintech looks different in spaces and places where basic financial services are a luxury — and how solutions to address these challenges require a different level of creativity, empathy, and execution.Season 3 of Fintech for the People, an Accion podcast, is hosted by Matt Schaar, Operating Partner of Accion Venture Lab, an early-stage investor in inclusive fintech startups. Learn more about Accion Venture Lab here. 
In India, small businesses contribute over 30 percent of the country’s GDP, but most remain unserved by formal banking channels. These businesses are often held back from growing and scaling due to keeping up with supply chain costs. Host Amee Parbhoo talks with Shrinivas Kasar, Co-Founder of Cashinvoice, to discuss how Cashinvoice unlocks supply chain financing for micro, small, and medium enterprises (MSMEs) in India. Shrinivas shares how Cashinvoice works to bridge trust between MSMEs and India’s financial ecosystem. Amee and Shrinivas discuss how embedded finance gives unique advantages to Cashinvoice’s platform, how Cashinvoice incentivizes corporate and lending partners, and how they navigate the challenge of making affordable credit available to small businesses that are entirely out of the mainstream banking system. To learn more about Accion Venture Lab, visit our website and follow us on Twitter. 
Finding affordable, convenient, and seamless access to working capital is challenging for small businesses in Brazil. Host Amee Parbhoo talks with Suzy Ferriera, Founder and CEO of Dinie, which enables digital platforms to offer instant and convenient financing solutions to the country’s small businesses. Suzy shares how her upbringing in Brazil influenced her perspective on entrepreneurship and sparked new ideas on how to use capital to make a big impact on the world. Then, Suzy explains how Dinie solely focuses on the customer, repositioning the bargaining power from banks to small businesses, what advantages exists for customers through embedded finance, the need for effective B2B partnerships, and how extreme transparency and boldness influence Dinie’s day-to-day practices. To learn more about Venture Lab, visit our website.
Community-based pharmacies are often the first point of care for people living in Africa. But operational challenges prevent these pharmacies from keeping their shelves stocked and hold back Africa’s health supply chain from reaching its full potential. Michael Moreland started Field Intelligence to resolve this problem. In this episode, host Amee Parbhoo talks with Michael about how Field Intelligence solves healthcare retailers' challenges by making the pharmaceutical supply chain more simple, affordable, and effective.Underdeveloped supply chains negatively impact small pharmacies that serve as the entry point to Africa’s healthcare system, making it more difficult for communities to access medicine, vitamins, and other essential products. Financing for health retailers is expensive and distributors aren’t doing enough, which leads to a fragmented market with poor visibility. Michael shares how Field solves this problem by providing a platform for data-driven supply chain management, distribution services, and embedded financial services for small pharmacies across Africa. To learn more about Accion Venture Lab, visit our website and follow us on Twitter.
The agri-input industry is booming in India. But agri-input retailers face big challenges when it’s time to sell and deliver their products, like seeds, animal feed, and farming tools, to farmers. Host Amee Parbhoo talks with Mukul Garg, Founder and CEO of Agrim, about how Agrim connects small retailers with agricultural product manufacturers to serve farmers across India.Agricultural retailers are a critical link in the value chain that supports farmers’ livelihoods because they provide the agricultural products that farmers need to succeed. Mukul shares his story, including the moment he realized India needed innovation in agri-tech and how his team built Agrim to bring transparency to product discovery and delivery while embedding affordable financial services for small agri-retailers. Mukul and Amee also discuss how rural India engages with digital tools like Agrim and why embedded finance is the best option for Agrim’s end users.To learn more about Accion Venture Lab, visit our website and follow us on Twitter.
In Indonesia, small business retailers often struggle to have enough cash to buy inventory, and banks typically don’t want to give loans to these merchants. Host Amee Parbhoo talks with Mir Haque, founder and CEO of Fairbanc, about how Fairbanc provides a better opportunity to the mom-and-pop retailers through a technology platform that integrates with corporate partners to embed a simple inventory financing solution.Mir shares why their end customers are in need of embedded finance solutions, no matter their digital capabilities. Mir also explains how Fairbanc mitigates risk effectively and seamlessly, and how they secure partnerships with consumer goods corporations. Finally, Mir gives advice for entrepreneurs looking to establish B2B partnerships for their businesses. To learn more about Venture Lab, visit our website and follow us on Twitter.
Micromerchants face liquidity challenges, often running out of digital money needed to make essential financial transactions and struggling to quickly rebalance and replenish it. Host Amee Parbhoo talks with Andrew Milne, CEO of Kuunda, an API-based embedded lender, to hear how Kuunda provides seamless liquidity solutions to agents, micromerchants, and consumers across the world.Embedded finance is critical to solving liquidity challenges and Andy shares how Kuunda facilitates frictionless transactions, instant disbursements, and automatic repayments through a model that is seamlessly integrated in existing platforms used by their end customers. Finally, Andy and Amee discuss what it takes to establish strategic partnerships, how Kuunda measures success, and where Kuunda will be in five years as digital ecosystems advance.  To learn more about Accion Venture Lab, visit our website and follow us on Twitter.
In this second season of Fintech for the People, we’ll explore the hottest topic in fintech right now: embedded finance. We’re seeing credit, savings, insurance, and other financial tools increasingly integrated into traditionally non-financial services, products, or technologies. This season we will specifically highlight the ways embedded finance is being used to close the $5 trillion credit gap for micro and small businesses around the world.Fintech has the power to build a more inclusive world. Fintech for the People showcases the innovators who are developing fintech solutions that reach the people who’ve been left behind. In each episode, we’ll hear from innovative fintech leaders who are creating financial solutions that bring every person the financial tools they need to grow their business, support their family, and build their community. Together, we’ll learn how fintech looks different in spaces and places where basic financial services are a luxury — and how solutions to address these challenges require a different level of creativity, empathy, and execution.Fintech for the People is an Accion podcast hosted by Amee Parbhoo, Managing Partner of Accion Venture Lab, an early-stage investor in inclusive fintech startups. Learn more about Accion Venture Lab here. Episodes will be released in seasons, on a weekly schedule.
In Latin America, a lack of access to high-quality education contributes to significant inequality. Host Amee Parbhoo talks with Luz Borchardt, Co-Founder and VP of Marketing for Henry, to discuss how Henry is creating opportunity by expanding access to high-quality technical education through virtual software development courses with no upfront fee. Luz has always been passionate about building a better world. After starting her career in tech, she recognized there were many tech jobs available, but not enough local talent in Latin America to fill these roles. To confront this talent shortage, she founded Henry, a remote coding school with a unique and affordable tuition model. Luz discusses the barriers that prevent students from entering the tech industry, how access to high-quality education creates a more equal world in Latin America, how Henry is able to provide education with no upfront fees by utilizing market-inclusive income share agreements (ISAs), and overall, how this improves the long-term earning potential of Henry’s students. Lastly, Luz gives advice to women founders who want to begin their entrepreneurial journey in tech spaces. To learn more about Venture Lab, visit our website and follow us on Twitter.
In Africa, there are many insurance providers, but less than 3% of people have an insurance safety net. Lami is bridging this gap. Amee Parbhoo talks with Jihan Abass, Founder and CEO of Lami, a Kenya-based insurance platform that enables businesses to develop and sell insurance tailored to improve the lives of their customers. Jihan shares how she moved from her career in fine arts to entrepreneurship in insurance, and how lack of infrastructure to facilitate easy distribution of insurance products inspired her to start Lami. She explains how Lami works to fix the broken insurance system, how they work with platform partners to help customers trust and understand insurance products, her vision for insurance technology and digitization, and why working with platform partners helps them better serve the insurance market. Lastly, Jihan and Amee discuss the need for quality mentorship to help bridge the gap for women founders going into fintech.To learn more about Venture Lab, visit our website and follow us on Twitter.
Food trucks are the most diverse and fast-growing segment of the restaurant industry today. But technology gaps often restrict food truck owners in their operations. Host Amee Parbhoo talks with Sofie Abdulrazaaq, CEO and Co-Founder of Goodfynd, a vertical payments company that targets the underserved sector of food trucks in the US.  Sofie's background as a first-generation American, experience in technology and bank law, and overall love of food trucks inspired her passion to help make food truck owners more visible and profitable. Sofie explains the pain points experienced by food truck owners, how Goodfynd bridges the technology gap through end-to-end payment solutions and an online marketplace, the importance of mobile-based platforms that tap into payment and operations systems on-the-go, and how Goodfynd envisions its future in the restaurant software industry. Lastly, Sofie shares how Goodfynd attracts and retains the best talent in a competitive market, how investors should treat women, particularly women of color, founders, and gives advice for founders on choosing the right investors. To learn more about Venture Lab, visit our website and follow us on Twitter.
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