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Today, we go to New York to talk with Nelson Chu, the founder and CEO of Percent.
Percent has created the modern credit marketplace, empowering investors, borrowers, and underwriters with innovative technology to increase the speed and velocity of transactions at a fraction of the cost. The company’s core infrastructure delivers public market efficiencies to the analog private credit market by powering the sourcing, structuring, syndication, surveillance and servicing of private credit transactions from beginning to end. Founded in 2018, Percent’s platform is becoming the market standard for asset-backed and corporate lending, powering over $1 billion in transaction volume in a multi-trillion-dollar private credit industry.
Nelson Chu is a repeat founder who got his start in finance working on the Fixed Income portfolio at Bank of America and then BlackRock. Coming out of banking, Nelson first founded technology consulting business Lumenary, a strategic advisory group focused on bringing innovative and transformative ideas to life. He leveraged his experience at Luminary to become a formal advisor to a few other well-known names in the fintech ecosystem including Recharge Capital and BlockFi, before founding Percent in 2018 (anticipating the currrent private credit boom).
Percent is a platform for sourcing, structuring, syndicating, monitoring, and servicing private credit transactions. The platform recently passed $1 billion in transaction volume, and can be found at percent.com.
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In the latest edition of This Week In Fintech's OG series, Julie dives into the UAE and interviews industry veterans Gaurav Dhar (MENA and Marshal), Nameer Khan (MENA and Fils) and Ronit Ghose (Citi).
The three provide an insightful discussion on fintech developments in the Middle East, regional dynamics, and the challenges and opportunities in fintech innovation across the Gulf and North Africa.
Huge thanks to Public.com and Prism Data for sponsoring this week's episode!
With interest rates falling, be sure to check out Public.com's Bond Account, which allows you to lock in a 6% or higher yield with a diversified portfolio of high-yield and investment-grade corporate bonds.
If you're looking for a way to say ‘yes’ to more customers without taking on additional risk and lend more profitably without sacrificing growth, be sure to check out Prism Data. Cash flow underwriting is a game changer in consumer lending, and Prism Data is the modern analytics provider that makes it possible.
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Saknas det avsnitt?
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Welcome back to the TWIF podcast! We've got a streak of great interviews for you this fall, heading to Mexico today for a conversation with the Baubap co-founders.
Baubap is Latin America's first AI-powered, credit-focused bank.
Baubap was ahead of the AI boom, developing an AI-driven credit underwriting model since 2019. This early adoption allowed them to build a scalable model that consistently improves with data. The company has issued over 8 million loans and served 2 million customers, while maintaining profitability (and 18% month-over-month growth over the past five years) and a $100 million+ revenue run-rate.
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A quick, helpful summary of all the fintech news fit to print this week.
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Welcome back – this week we're sitting down today with Leif Abraham, the cofounder and Co-CEO of investing platform Public.com!
Public is an investing platform that lets members invest in stocks, ETFs, crypto, Treasury bills, and alternative assets – and recently launched fractional investing in corporate and Treasury bonds in response to the increasing demand for fixed-income products from the platform's 3 million+ active investors.
On this episode, Leif sits down and talks with us about founding Public almost 6 years ago, how running an international company is different from the first two startups he founded, what keeps him coming back to fintech, whether retail investors are ready to 'take the plunge' on AI, working with Tony Hawk, and how they managed to snag that Public.com domain name.
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Welcome to October's episode of This Month in Fintech, just ahead of Money2020.
Our guest today is Davi Strazza, President of North America at Adyen. Adyen is a global financial technology platform helping the world’s leading businesses achieve their ambitions faster.
Since its founding in 2006, Adyen has built one of the world's leading platforms to help enterprises accept payments, protect revenue, and control their finances. Adyen processed over $1Tn in transaction volume last year across for companies like Microsoft, McDonalds, Uber, Loreal, Spotify, eBay, Gap and more.
Adyen is a global financial technology platform helping the world’s leading businesses achieve their ambitions faster. Since its founding in 2006, Adyen has built one of the world's leading platforms to help enterprises accept payments, protect revenue, and control their finances. Adyen processed ~$1Tn in transaction volume last year across for companies like Microsoft, McDonalds, Uber, Loreal, Spotify, eBay, Gap and more.
Davi Strazza is the President of North America at Adyen, one of the world’s largest financial technology companies. He began his career at Adyen as a sales manager in Latin America and spent the following 10 years working across the Americas, including serving as President of Latin America, before assuming his current role in January 2023. Davi holds a bachelor’s degree in economics from Universidade Estadual Paulista Júlio de Mesquita Filho.
You can find him on LinkedIn and Twitter.
Ryan Zauk is the Host of the This Month in Fintech Podcast and SF Lead for the broader This Week in Fintech platform. In his day job, Ryan is an investor on the Ventures team at OMERS, the direct investing arm of one of the world’s largest pension plans with over $130Bn in net assets. Prior to OMERS, he worked in Morgan Stanley’s Tech Investment Banking team focused on M&A and capital markets. He is based in the Bay Area.
You can find him on Linkedin or Twitter.
Our Sponsor - Fifth Third
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Episode Summary
2:13 How Davi first found Adyen in Brazil in ~10 years ago
3:37 A birds-eye view of Adyen Overview - platform, scale, and services
5:53 The completely unique Adyen tech stack and how it builds enduring competitive advantage in a global market
8:54 How Adyen and Davi stay focused as a product team, sales team, and organization (plus why they'll never do M&A!)
12:53 How Adyen thinks about Go to Market and segmentation with such an enterprise motion
14:17 Crafting / maintaining Adyen's unique culture from interview process through employee retention
17:55 2 traits that contributed to Davi's success, 2 traits that he's needed to develop
21:09 The buzz and potential of Adyen's newest in– person payments solution, SFO1
24:10 His predictions for what in-person payments will look like in the coming decade
24:58 Pay by Bank - how, when, why it will be adopted
29:18 How Adyen is building with AI to help save their customers millions
32:50 Rapid Fire Round
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Nik Milanovic sits down to talk with Jesse Mecham, the founder of personal finance app YNAB, about the state of fintech, consumer finances, raising seven kids, and why he hates the word 'budgeting.'
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In an exclusive interview, MX's founder and returning CEO Ryan Caldwell opens up about 14 years as a fintech founder, why consumer-permissioned data is integral to MX's DNA, and the future of open banking.
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In the podcast, Julie interviews Matt Austin and Ahmed Siddiqui. The conversation dives into their experiences in FinTech, how they got involved, and the lessons they learned along the way. Matt shares his journey from public accounting to FinTech, explaining how he entered the industry through a chance encounter with a VC. Ahmed talks about his accidental entry into FinTech via a connection at Marqeta, where he developed a deep understanding of payment systems. Both reflect on the industry's advancements, where FinTech has exceeded expectations, and where it's fallen short—especially in areas like real-time payments and overcoming traditional banking hurdles. The podcast wraps up with personal stories, touching on the importance of community in FinTech, key challenges they’ve faced, and excitement for the future of financial technology.
Huge thanks to Public.com and Prism Data for sponsoring this week's episode!
With interest rates falling, be sure to check out Public.com's Bond Account, which allows you to lock in a 6% or higher yield with a diversified portfolio of high-yield and investment-grade corporate bonds.
If you're looking for a way to say ‘yes’ to more customers without taking on additional risk and lend more profitably without sacrificing growth, be sure to check out Prism Data. Cash flow underwriting is a game changer in consumer lending, and Prism Data is the modern analytics provider that makes it possible.
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TWIF's Weekly News Wrap-Up
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Welcome back for Season Two of the Fintech OG series!
We're kicking it off with fintech founders Jason Gardner and Ken Lin, who share their experiences building Marqeta and Credit Karma, highlighting both the challenges and successes they faced along the way.
They discuss industry highs and lows, including regulatory hurdles and unexpected partnerships that shaped their companies. Both founders express optimism about the future of fintech, particularly around emerging markets and AI-driven solutions. They also share personal stories, from navigating stress as founders to unexpected hobbies, giving a candid view of life behind their entrepreneurial journeys.
Huge thanks to our sponsors, Zero Hash and Array!
Zero Hash supports 50+ global platforms and has compliantly onboarded close to 5 million people to crypto and stablecoins, and their platform has processed ~$20bn+ in transaction volume. If you want to design new and better mechanisms of payments and the transfer of value across brokerage, remittance, cross-border payments, payroll and commerce, go to Zerohash.com.
Array offers embeddable tools that integrate seamlessly into your fintech platform, from identity and privacy protection to credit monitoring. Array helps fintechs fast-track their innovation, generate revenue, and enhance user experience. Visit www.array.com/TWIF to learn more.
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Welcome to the inaugural episode of This Month in Fintech, a new flagship podcast from the folks at This Week in Fintech.
The show is hosted by Ryan Zauk, who will sit down monthly with some of the world’s most renowned tech and finance leaders, sharing their stories and products while unpacking their secrets to success.
Our inaugural guest is none other than Zach Perret, Co-Founder and CEO of Plaid. Plaid has reached near ubiquity in Financial Technology, building the connective tissue underpinning many aspects of modern fintech.
To give you a sense of their scale today:
Over 1 in 3 US consumers have linked accounts through Plaid 500M+ connected accounts in the Plaid network ~15.5M new consumer connections per month, with the average user connecting to 3-5 apps in our networkDisclaimer
The views expressed in this podcast are the speaker’s own and are not the views of This Week in Fintech or any other person or entity. The content provided in this podcast is for informational purposes only and should not be construed as legal, business, tax, or investment advice or a recommendation, solicitation, endorsement or offering by me or anyone else for the sale, subscription or purchase of securities or for investment advisory services of any kind. There are risks associated with investing in securities including the loss of principal. Past investment performance of any firm, security, or investment strategy is not a guarantee or predictor of future investment performance. I have not independently verified any information obtained from third-party sources. Neither This Week in Fintech nor any entity associated with me or my guests should be viewed as endorsing, approving, recommending or certifying any information, product or organization presented or mentioned in this podcase, including any advertising content.
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Welcome to another episode of our payments series. This time we’re diving into all things fraud with Soups Ranjan of Sardine and Liran Amrany of Team8
This episode dives into the evolving landscape of fraud in the payments industry, with guests that are both experts in the space. Soups and Liran share insights on trends such as the rise of fraudsters exploiting loopholes in payments, advancements in security, and the challenges posed by technologies like generative AI. A key takeaway is the increasing sophistication of fraud, as fraudsters innovate rapidly, pushing the need for companies to develop better tools for fraud prevention. The conversation also highlights the importance of improving digital identity and reducing payment costs over time.
Huge thanks to our sponsors, CapitalOS and Array, for making this series possible!
With CapitalOS, platforms can launch best-in-class spend management within days without the headache of managing compliance, risk, or bank relationships. Visit their website at CapitalOS.com to learn more.
Array offers embeddable tools that integrate seamlessly into your fintech platform, from identity and privacy protection to credit monitoring. Array helps fintechs fast-track their innovation, generate revenue, and enhance user experience. Visit www.array.com/TWIF to learn more.
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Welcome to another episode of our payments series. This time we’re diving into B2B payments with Brandon Lloyd of Forward, Bo Jiang of Lithic and Wade Arnold of Moov.
These 3 are experts to say the least. We covered everything from the transformation of payments infrastructure, complexity of embedded payments, the regulatory environment, adoption (or lack of) of pay by bank and FedNow, and future innovation predictions.
Huge thanks to our sponsors, Highnote and Array, for making this series possible!
While most issuer processors build small, predefined boxes for their customers to fit in, Highnote has built a game-changing platform that enables unparalleled flexibility for its customers to differentiate their card offerings. On top of that, they can do it across all commercial, consumer, credit, and debit program types.
Visit Highnote.com to learn more about how to take your card program to the next level.
Array offers embeddable tools that integrate seamlessly into your fintech platform, from identity and privacy protection to credit monitoring. Array helps fintechs fast-track their innovation, generate revenue, and enhance user experience. With Array, you’re not just keeping up – you’re leading. Visit www.array.com/TWIF to learn more.
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In our third episode, we talked to Sophia Goldberg, Co-Founder and CEO of Ansa, and Eric Rosenthal, Chief Strategy Officer at Rapyd.
These payments experts dove into the key differences in payments around the world, the biggest misunderstandings they see of how money moves, and what they think the biggest innovation in payments will be over the next 5 years.
Don’t forget to rate and subscribe so you don’t miss this series!
Lastly, thanks to this week’s sponsors, Lithic and Array. Whether you're a venture-backed startup or a mature company looking for robust APIs that can reliably handle your card transaction volume, Lithic may be the right choice. Contact their sales team at Lithic.com/contact to learn more.
Array offers embeddable tools that integrate seamlessly into your fintech platform, from identity and privacy protection to credit monitoring. Array helps fintechs fast-track their innovation, generate revenue, and enhance user experience. Visit www.array.com/TWIF to learn more.
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Hey everyone, welcome to the This Week In Fintech Payments podcast series hosted by Julie VerHage Greenberg and Matthew Goldman!
In our second episode, we talked to Jeff Adamson from Neo Financial and Heather Ribbans, a UK payments consultant. We discuss Jeff’s transition from Olympic wrestler to fintech entrepreneur, founding one of Canada’s largest fintech companies, and Heather's extensive experience in payments. Topics include global payment systems, the importance of fast payments, innovations in neobanking, and the varying adoption of technologies like Pay by Bank in different regions.
Don’t forget to rate and subscribe so you don’t miss this series!
Lastly, thanks to this week’s sponsors, CapitalOS and Array. With CapitalOS, platforms can launch best-in-class spend management within days without the headache of managing compliance, risk, or bank relationships. Visit their website at CapitalOS.com to learn more. Array offers embeddable tools that integrate seamlessly into your fintech platform, from identity and privacy protection to credit monitoring. Array helps fintechs fast-track their innovation, generate revenue, and enhance user experience. Visit www.array.com/TWIF to learn more.
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This week, we're thrilled to host Drew Edwards, the CEO of Ingo Payments, on The TWIF Podcast.
In this episode, we dive into Drew's 25+ year history of founding and running fintech companies, how payments has evolved since the PayPal era, the most interesting challenges to tackle in American payments today, where Ingo sits in the fintech landscape, and whether Drew will ever run a public company again.
This is a Sponsored Episode.
Drew has a long history as a fintech leader, and offers some thoughtful personal reflections on his journey, lessons learned, and where he sees the future of fintech heading.
Don't forget to follow, like, and share the podcast!
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Hey everyone, welcome to the This Week In Fintech Payments podcast series hosted by Julie VerHage Greenberg and Matthew Goldman!
In our first episode, we talked to Kiaan Pillay of Stitch and Yele Oyekola of Duplo, both payments companies that have a strong African presence. We cover how different regions in Africa differ from one another, the most common misconceptions, and the latest trends and innovations in the country.
Don’t forget to rate and subscribe so you don’t miss this series!
Lastly, thanks to Zero Hash for sponsoring this episode! Zero Hash supports 50+ global platforms and has compliantly onboarded close to 5 million people to crypto and stablecoins, and their platform has processed ~$20bn+ in transaction volume. If you want to design new and better mechanisms of payments and the transfer of value across brokerage, remittance, cross-border payments, payroll and commerce, go to Zerohash.com.
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Special thanks to Canopy for sponsoring this week’s episode. Head over to Canopyservicing.com to learn more about how they’re powering some of the world’s leading fintechs’ and digital banks’ commercial loan programs.
⭐Top 40 Best Financial News Podcasts! ⭐
If you’re looking to expand your network and knowledge of fintech, look no further than the This Week In Fintech podcast. This engaging show brings together thought leaders from finance and technology sectors who share their experiences, insights, and innovative approaches. -
In this week's episode, Peter Renton, co-founder of FinTech Nexus/LendIt, and Simon Taylor, head of content and strategy at Sardine, discuss their professional journeys and the evolution of fintech over the past decade. They share insights into the industry's surprises, mistakes and milestones, and whether fintech remains an attractive field for new graduates.
The discussion also delves into the high and low points of their careers and the future of fintech innovations, including AI integration and personal financial management apps.
Both Peter and Simon reflect on their personal highlights from the past year, emphasizing the importance of supportive networks and mentors. The conversation combines professional insights with personal anecdotes, providing a comprehensive view of the fintech industry's past, present, and future.
PS: Don't forget to follow, like and share the podcast!
Lastly, thanks to LoanPro for sponsoring this week's episode! If you’re in the market to streamline your lending processes or if you just want to see what next-gen loan management looks like, go to loanpro.io and book a demo.
- Visa fler
