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  • On today's episode, I talk with Kelly Fryer, Executive Director of the FinTech Sandbox.

    Kelly and I talk about the mission of the FinTech Sandbox, why she enjoys working with startups, current market conditions for fintech startups, why access to data is so critical for startups, the market shift to open banking, the banking crisis, horseback riding, and much more.

    One quick PSA. If you want to reach the best fintech community, we have all the tools you need to shape your message and reach new clients. Sponsor an episode, sponsor a webinar, buy ad space; we have it all. Please reach out anytime: [email protected].

    Without further ado, I present Kelly Fryer, Executive Director of the FinTech Sandbox.

    Episode highlights include

    Kelly's interest in startupsTechstars experienceThe mission of the FinTech SandboxFintech Sandbox participants and partnersBarriers to underrepresented foundersFintech fundraisingOpen banking and data accessKelly's love for horseback ridingThe banking crisisAnd much more…

    Connect with Kelly on LinkedIn
    Connect with Fintech Sandbox on LinkedIn

    Connect with PitchIt:

    Tweet me @ToddFintech Connect with me on LinkedIn Find previous PitchIt episodes Email me at [email protected]

    Until next time.

  • On today's episode, we conclude PitchIt 2023. Before we start, I wanted to share a special thanks to our judges and participating companies.

    You will hear from the following finalists:

    Boss Insights CalqueDebbie FinGoalGrounded TechnologiesMomntNeofinUplinq

    PitchIt is a personal passion project for me; getting a peak into what’s coming next in fintech is a privilege. All the founders are building fascinating companies. Innovation is alive and well.

    One quick PSA. If you want to reach the best fintech community, we have all the tools you need to shape your message and reach new clients. Sponsor an episode, sponsor a webinar, buy ad space; we have it all. Please reach out anytime: [email protected].

    Without further ado, I present the finals of PitchIt 2023. I hope you enjoy the show.

    Connect with PitchIt:

    Tweet me @ToddFintech Connect with me on LinkedIn Find previous PitchIt episodes Email me at [email protected]

    Until next time.

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  • On today's episode, I talk with Gavin Nachbar, Co-Founder & CEO of Column Tax. Please note this episode was recorded live at Fintech Nexus USA 2023.

    Gavin and I discussed the founding story behind Column Tax, tax refunds versus more money per paycheck, why taxes are so interesting, embedded finance, raising capital, and much more.

    One quick PSA. If you want to reach the best fintech community, we have all the tools you need to shape your message and reach new clients. Sponsor an episode, sponsor a webinar, buy ad space; we have it all. Please reach out anytime: [email protected].

    Without further ado, I present Gavin Nachbar, Co-Founder & CEO of Column Tax. I hope you enjoy the show.

    Episode highlights include

    Column Tax founder storyWhy taxes are so complicatedTax educationAPI accountantThe lack of innovation in the tax marketEmbedded financeRaising capitalAnd much more…

    Connect with Gavin on LinkedIn
    Connect with Column Tax on LinkedIn

    Connect with PitchIt:

    Tweet me @ToddFintech Connect with me on LinkedIn Find previous PitchIt episodes Email me at [email protected]

    Until next time.

  • On today's episode, I am joined by Rodney Robinson, President & Co-Founder of TabaPay.

    Rodney and I discuss the shift toward faster payments, what that means for the overall payments market, and where the US sits today in payments innovation. TabaPay is a platform built for real-time money movement.

    One quick PSA. If you want to reach the best fintech community around we have all the tools you need to shape your message and reach new clients. Sponsor an episode, sponsor a webinar, buy ad space; we have it all. Please reach out anytime: [email protected].

    Without further ado, I present Rodney Robinson, President & Co-Founder of TabaPay. I hope you enjoy the show.

    Episode highlights include:

    TabaPay's founding storyThere And Back AgainFaster payments costsFedNowThe banking crisisUS vs. International payments systemsRaising capitalRecommended reading - The Martian by Andy WeirAnd much more…

    Connect with Rodney on LinkedIn
    Connect with TabaPay on LinkedIn

    Connect with PitchIt:

    Tweet me @ToddFintech Connect with me on LinkedIn Find previous PitchIt episodes Email me at [email protected]

    Until next time.

  • On today's episode, I am joined by Oscilar's Co-Founders Neha Narkhede and Sachin Kulkarni.

    Neha, Sachin, and I talk about the founding story behind Oscilar, the importance of no code, the efficiency of out-of-the-box solutions, the benefits of engineering talent from all industries, the rising importance of fighting fraud, being married as co-founder, raising capital, and much more.

    One quick PSA. If you want to reach the best fintech community, we have all the tools you need to shape your message and reach new clients. Sponsor an episode, sponsor a webinar, buy ad space; we have it all. Please reach out anytime: [email protected].

    Without further ado, I present Oscilar's Co-Founders, Neha Narkhede and Sachin Kulkarni. I hope you enjoy the show.

    Episode highlights include:

    Oscilar's founding storyNo codeOut-of-the-box solutionsFintech, BNPL, BaaSThe importance of diverse engineering talentFraud to the top of the stackAI risk managementBeing married as co-foundersRaising capitalAnd much more…

    Connect with Neha on LinkedIn
    Connect with Sachin on LinkedIn
    Connect with Oscilar on LinkedIn

    Connect with PitchIt:

    Tweet me @ToddFintech Connect with me on LinkedIn Find previous PitchIt episodes Email me at [email protected]

    Until next time.

  • PitchIt is back and better than ever for its 9th year!

    PitchIt, a competition for fintech startups, provides selected finalists unparalleled access to industry experts and invaluable exposure, branding, and more.

    16 semifinalists. Best and Brightest VCs. 1 chance to Change your Future.

    Semifinal round 2

    AscentCalqueUplinqNeofinDebbieGlideLamaAIThe People's Card

    VC Judges include - Citi Ventures, JAM FINTOP, Team8, Prosus, BankTech Ventures, CMFG Ventures, Sutton Bank.

    Connect with PitchIt:

    Tweet me @ToddFintech Connect with me on LinkedIn Find previous PitchIt episodes Email me at [email protected]

    Until next time.

  • PitchIt is back and better than ever for its 9th year!

    PitchIt, a competition for fintech startups, provides selected finalists unparalleled access to industry experts and invaluable exposure, branding, and more.

    16 semifinalists. Best and Brightest VCs. 1 chance to Change your Future.

    Semifinal round 1

    Boss InsightsConductiv, Inc.FinGoalGrounded TechnologiesMomntPaperstack

    VC Judges include - Citi Ventures, JAM FINTOP, Team8, Prosus, BankTech Ventures, CMFG Ventures, Sutton Bank.

    Connect with PitchIt:

    Tweet me @ToddFintech Connect with me on LinkedIn Find previous PitchIt episodes Email me at [email protected]

    Until next time.

  • On today's episode, I am joined by José Carlos, Co-Founder & Co-CEO of Palenca.

    José and I talked about the differences between the US and LatAm fintech markets, how hard it is for lenders to get an accurate picture of a borrowers income, Palenca's pivot from a lender to a data provider, Mexico's fintech journey and where fintech is today in Mexico, tae kwon do, raising capital, and much more.

    A couple of short PSAs:

    Applications for PitchIt have now closed; keep a lookout for the semifinals on April 26 and April 27. The finals will occur at Fintech Nexus USA on May 11 at The Innovation Zone on the Expo Floor.

    If you want to sponsor an episode, come on as a guest, or sponsor one of our many digital or in-person offerings, please reach out anytime at [email protected].

    Without further ado, José Carlos, Co-Founder & Co-CEO of Palenca. I hope you enjoy the episode.

    Episode highlights include:

    Palenca's founding storyJosé's time at UberWhy they pivoted away from lendingThe differences between the US and LatAm fintech marketsOpen bankingFinancial inclusionRaising capitalTae kwon doRecommended reading - The Cold Start Problem: How to Start and Scale Network Effects by Andrew Chen And much more…

    Connect with José Carlos Aguilar on LinkedIn
    Connect with Palenca on LinkedIn

    Connect with PitchIt:

    Tweet me @ToddFintech Connect with me on LinkedIn Find previous PitchIt episodes Email me at [email protected]

    Until next time.

  • On today's episode, I am joined by Ron Ross, Co-Founder, President & COO of Everee.

    Ron and I talk about his journey to starting a company, his CFO experience in raising capital, the problems with and incentives around payroll, the path to payday becoming every day, the Boston Red Sox, and much more.

    A couple of short PSAs:

    Applications for PitchIt have now closed. Keep a lookout for the semifinals on April 26 and April 27. The finals will occur at Fintech Nexus USA on May 11 at The Innovation Zone on the Expo Floor.

    If you want to sponsor an episode, come on as a guest, or sponsor one of our many digital or in-person offerings, please reach out anytime at [email protected].

    Without further ado, Ron Ross, Co-Founder, President & COO of Everee.

    Episode highlights include

    Ron's journey from four-time CFO to founderThe meaning of the word EvereeThe history of payrollReal-time beer rationsMisaligned incentives around payrollPayroll as a competitive advantageHow payday becomes every dayThe SVB crisisRaising capitalAnd much more…

    Connect with Ron on LinkedIn
    Connect with Everee on LinkedIn

    Connect with PitchIt:

    Tweet me @ToddFintech Connect with me on LinkedIn Find previous PitchIt episodes Email me at [email protected]

    Until next time.

  • On today's episode, I'm joined by Ron Benegbi, Founder & CEO of Uplinq.

    Ron and I discuss his history of entrepreneurship and how it ties closely to his family's journey as immigrants. We talk about the SMB credit score, the shifting definition of small business, the overuse of as-a-service, getting more lenders to yes, fraud detection as a byproduct, raising capital, the NFL Draft, and much more.

    A couple of short PSAs:

    We are still accepting applications for PitchIt at Fintech Nexus USA 2023, head to (https://www.fintechnexus.com/usa/2023/startups/) Fintech Nexus dot com for details. The link will be in the show notes.

    If you want to sponsor an episode, come on as a guest, or sponsor one of our many digital or in-person offerings, please reach out anytime at [email protected].

    Without further ado, Ron Benegbi, Founder & CEO of Uplinq. Enjoy the show.

    Episode highlights include

    Ron's entrepreneurial backgroundThe founding story behind UplinqThe lack of an SMB credit scoreThe overuse of as-a-serviceThe various definitions of small businessHow lenders get to yes more oftenBetter data equals lower defaultsThe fraud byproductNo regretsRecommended reading - Good to Great by Jim CollinsThe struggles of raising capitalAnd much more…

    Connect with Ron on LinkedIn
    Connect with Uplinq on LinkedIn
    Apply for PitchIt at Fintech Nexus 2023 HERE

    Connect with PitchIt:

    Tweet me @ToddFintech Connect with me on LinkedIn Find previous PitchIt episodes Email me at [email protected]

    Until next time.

  • On today's episode, I'm joined by Lamine Zarrad, CEO and Founder of StellarFi.

    Lamine and I discuss his unique journey to the US and fintech, the inequities in the credit system, rebuilding your credit, why he chose to be a public benefit corporation, the health of the US consumer, banking regulation and failures, raising capital, and much more.

    A couple of short PSAs:

    We are still accepting applications for PitchIt at Fintech Nexus USA 2023, head to (https://www.fintechnexus.com/usa/2023/startups/) Fintech Nexus dot com for details. The link will be in the show notes.

    If you want to sponsor an episode, come on as a guest, or sponsor one of our many digital or in-person offerings, please reach out anytime at [email protected].

    Without further ado, Lamine Zarrad, CEO and Founder of StellarFi. Enjoy the show.

    Episode highlights include:

    Lamine's unique journey to the US and StellarFiThe importance of being a public benefit corporationThe current credit health of the US consumerWhy credit building and repairing are so complicatedIs the credit score outdated?Lessons from his time in public serviceThoughts on the current bank crisisBank failures and financial inclusionRecommended reading - The Ghosts of Cannae: Hannibal and the Darkest Hour of the Roman Republic by Robert L. O'ConnellRaising capitalAnd much more...

    Connect with Lamine on LinkedIn
    Connect with StellerFi on LinkedIn

    Connect with PitchIt:

    Tweet me @ToddFintech Connect with me on LinkedIn Find previous PitchIt episodes Email me at [email protected]

    Until next time.

  • On today's episode, I'm joined by Rujul Zaparde, Co-Founder & CEO of Zip.

    Rujul and I talked about the frustrations he and his co-founder encountered, which led to the idea behind Zip, the importance of a consumer-grade solution, the growth trajectory Zip is currently on, raising capital, Roger Federer, and much, much more.

    A couple of short PSAs:

    We are still accepting applications for PitchIt at Fintech Nexus USA 2023, head to (https://www.fintechnexus.com/usa/2023/startups/) Fintech Nexus dot com for details. The link will be in the show notes.

    If you want to sponsor an episode, come on as a guest, or sponsor one of our many digital or in-person offerings, please reach out anytime at [email protected].

    Without further ado, Rujul Zaparde, Co-Founder & CEO of Zip. Enjoy the show.

    Episode highlights include:

    Zip's founding storyA consumer-grade experienceMore spend visibility across the organizationBetter audit trailEasier budget management"Zip is where you do your best work"Recommended readingThe Master: The Long Run and Beautiful Game of Roger Federer by Christopher Clarey Raising capitalAnd much more…

    Connect with PitchIt:

    Tweet me @ToddFintech Connect with me on LinkedIn Find previous PitchIt episodes Email me at [email protected]

    Until next time.

  • On today's episode, I'm joined by Christian Maynard-Philipp, Founder & CEO at Pattern.

    Christian and I discussed Pattern's origin story, why Pattern is different from some of the investing apps in the market, scalability, and financial advisors, the investing education gap, her time in the public sector, the best fundraising story I've heard, and much more.

    A couple of short PSAs:

    We are still accepting applications for PitchIt at Fintech Nexus USA 2023, head to (https://www.fintechnexus.com/usa/2023/startups/) Fintech Nexus dot com for details. The link will be in the show notes.

    If you want to sponsor an episode, come on as a guest, or sponsor one of our many digital or in-person offerings, please reach out anytime at [email protected].

    Without further ado, Christian Maynard-Philipp, Founder & CEO at Pattern. Enjoy the show.

    Episode highlights include:

    Christian’s founder storyHer time at Acorns and Cash AppThe investing education gapConsumer advocacySmart scalabilityFinancial health and inclusionCompliance, Compliance, ComplianceThe gender gap in fintechRecommended readingRide of a lifetime, by Robert IgerBetter not Bitter, by Yusef SalaamRaising capitalAnd much more…

    Connect with Christian on LinkedIn
    Connect with Pattern Financial on LinkedIn

    Connect with PitchIt:

    Tweet me @ToddFintech Connect with me on LinkedIn Find previous PitchIt episodes Email me at [email protected]

    Until next time.

  • On today's episode, I'm joined by Susan Tanski, Co-Founder & Head of Strategy at Sunstone Credit.

    Susan and I talked about Sunstone's origin story, what drove her interest in the climate, how Sunstone is helping SMBs finance solar power, the 1 trillion dollar opportunity in commercial solar, raising capital, and much more.

    A couple of short PSAs:

    We are still accepting applications for PitchIt at Fintech Nexus USA 2023, head to (https://www.fintechnexus.com/usa/2023/startups/) Fintech Nexus dot com for details. The link will be in the show notes.

    If you want to sponsor an episode, come on as a guest, or sponsor one of our many digital or in-person offerings, please reach out anytime at [email protected].

    Without further ado, Susan Tanski, Co-Founder & Head of Strategy at Sunstone Credit. Enjoy the show.

    Episode highlights include:

    Sunstone Credit’s founding storyAn Inconvenient TruthWhy Sunstone Credit focused on SMBsCommercial solar’s TAMWhere we are today on the ClimateWhy everyone needs to do more on sustainabilityThe broader embedded finance marketRecommended readingThe Great Gatsby by F. Scott Fitzgerald The Water Will Come by Jeff GoodellRaising capitalAnd much more…

    Connect with Susan on LinkedIn
    Connect with Sunstone Credit on LinkedIn

    Connect with PitchIt:

    Tweet me @ToddFintech Connect with me on LinkedIn Find previous PitchIt episodes Email me at [email protected]

    Until next time.

  • On today's episode, I'm joined by Olga Chin, Founder & CEO of InterPrice Technologies, Inc.

    Olga and I discussed InterPrice's founding story, her path to financial services, how InterPrice helps corporate treasury teams, the most significant problems treasury teams face, an unlikely byproduct of their platform, raising capital, and much more.

    A couple of short PSAs:

    We are still accepting applications for PitchIt at Fintech Nexus USA 2023, head to (https://www.fintechnexus.com/usa/2023/startups/) Fintech Nexus dot com for details. The link is in the show notes.

    If you want to sponsor an episode, come on as a guest, or sponsor one of our many digital or in-person offerings, please reach out anytime at [email protected].

    Without further ado, Olga Chin, Founder & CEO of InterPrice Technologies. Enjoy the show.

    Episode highlights include:

    InterPrice's founding storyOlga's acing of the MCATsInvestment bankingThe funny story about their web domainBiggest impediments for corporate treasurersRelationship bankingDealmaking mythsAdvice from the founder of NoomRaising capital in good times and badRecommended reading - Reboot: Leadership and the Art of Growing Up by Jerry ColonnaAnd much more fun along the way

    Connect with Olga on LinkedIn
    Connect with InterPrice Technologies, Inc. on LinkedIn

    Connect with PitchIt:

    Tweet me @ToddFintech Connect with me on LinkedIn Find previous PitchIt episodes Email me at [email protected]

    Until next time.

  • On today's episode I am joined by Marcos Fernandez, Managing Partner of Fiat Ventures.

    Fiat Ventures is an emerging VC focused on supporting and growing the next generation of market leading early-stage companies in the fintech space.

    It's a fascinating time in fintech, one one hand, you have a lot of bad news with layoffs happening almost daily, but on the other you also have these incredible stories of growth and excitement.

    Marcos and I delved into where fintech sits today, how early stage founders should think about capital and when to raise, the precarious position crypto is in, the lack of diversity within the ecosystem, operator versus investor, the Las Vegas Raiders, and much more.

    A couple of short PSAs:

    We are still accepting applications for PitchIt at Fintech Nexus USA 2023; head to https://www.fintechnexus.com/usa/2023/startups/ for details.

    If you want to sponsor an episode, come on as a guest, or sponsor one of our many digital or in person offerings, please reach out anytime at [email protected].

    Without further ado, Marcos Fernandez, Managing Partner of Fiat Ventures. I hope you enjoy the show.

    Session highlights include

    Marcos's journey to FiatWhere the name Fiat Ventures came fromFiat's investing thesisFiat's portfolio companiesFiat's differentiated approach to investingThe state of fintech todayThe current fundraising environment The lack of diversity in venture capitalWhy crypto and Web3 still have a bright futureMarcos's love for the Oakland (Las Vegas) RaidersRecommended readingThe Ride of a Lifetime: Lessons Learned from 15 Years as CEO of the Walt Disney Company by Bob IgerSecrets of Sand Hill Road by Scott KuporAnd much more…

    Connect with Marcos on LinkedIn
    Connect with Fiat Ventures on LinkedIn

    Connect with PitchIt:

    Tweet me @ToddFintech Connect with me on LinkedIn Find previous PitchIt episodes Email me at [email protected]

    Until next time.

  • On today’s episode, I’m joined by Patrick Sells, Co-Founder of True Digital Group.

    True Digital Group's mission is to help financial institutions embrace digital innovation through investments in culture, capabilities, and capital.

    It really is a mission for Patrick and the team at True Digital Group. Over the last few years, he’s had the chance to speak to 1,100 financial institutions. You can say he truly has the pulse of the banking community.

    Patrick and I discussed common themes from the 1,100 conversations; the biggest barriers banks still face today, the education gap amongst banks and fintechs, Mindshift, blockchain and crypto, raising capital, and much more.

    If you want to sponsor an episode, come on as a guest, or sponsor one of our many digital or in-person offerings, please reach out anytime at [email protected].

    Without further ado, Patrick Sells, Co-Founder of True Digital Group. I hope you enjoy the show.

    Episode highlights include:

    Patrick’s journey through banking to True Digital Group1,100 bank conversationsThe Mindshift productTop impediments banks face todayThe education gapSelling to banks vs. credit unionsBlockchain and cryptoThe impending recessionRaising capitalRecommended reading - When Breath Becomes Air by Paul KalanithiAnd much more…

    Connect with Patrick on LinkedIn
    Connect with True Digital Group on LinkedIn

    Connect with PitchIt:

    Tweet me @ToddFintech Connect with me on LinkedIn Find previous PitchIt episodes Email me at [email protected]

    Until next time.

  • On today’s episode, I’m joined by Joe Cianciolo, Founder & CEO of HomePace.

    HomePace's mission is to enable homeowners gain financial flexibility. They do this by allowing homeowners to unlock the equity in their homes.

    HomePace's innovation gives homeowners more financial freedom without taking on more debt and gives institutional investors access to the real estate asset class.

    Joe and I talked about where the HomePace idea originated from, his time at SecondMarket and FutureAdvisor, the typical use of funds through this transaction, how the overall real estate market impacts their business, playing football at Penn State, raising capital, and much more.

    If you want to sponsor an episode, come on as a guest, or sponsor one of our many digital or in-person offerings, please reach out anytime at [email protected].

    Without further ado, Joe Cianciolo, Founder & CEO of HomePace.. I hope you enjoy the show.

    Episode highlights include:

    Joe’s journey to HomePaceLesson’s learned from FutureAdvisor & BlackRockHomePace’s modelCorrelation to the broader housing marketsEquity v. DebtThe education gap for equity housing transactionsRaising CapitalHis time playing football at Penn StateRecommend reading for kids: Charlie and the Chocolate Factory by Ronald DahlRecommend reading for founders: Moneyball by Michael LewisAnd much more…

    Connect with Joe on LinkedIn

    Connect with PitchIt:

    Tweet me @ToddFintech Connect with me on LinkedIn Find previous PitchIt episodes Email me at [email protected]

    Until next time.

  • On today’s episode, I’m joined by Dani Pensack, Co-Founder & CEO of Rightfoot.

    Rightfoot enables developers to add debt repayment to any application.

    Founding stories are always unique, but Dani and Rightfoot are thus far the most interesting to date. They moved into a retirement home to test out their initial idea. Yup, a retirement home, and only one out of 150 said yes.

    The idea was that high school kids could make good money by helping retirees with technical tasks like coding; the money would then go into a 529 education account.

    While the initial idea didn’t pan out, it helped them to figure out their current business and gave them a life experience like no other. Dani is one of the most resourceful founders I’ve met thus far; just wait until you hear the vacation van story.

    Dani and I also discussed the core problems associated with debt repayment, how debt impacts households, her time in Southeast Asia, raising capital, and much more.

    If you want to sponsor an episode, come on as a guest, or sponsor one of our many digital or in-person offerings, please reach out anytime at [email protected].

    Without further ado, Dani Pensack, Co-Founder & CEO of Rightfoot. I hope you enjoy the show.

    Episode highlights include

    Dani’s journey to RightfootRightfoot’s founding storyDani’s time at IBM in SE AsiaHow Rightfoot’s API worksEmbedded financeFinancial InclusionThe barriers women-led startups face raising capitalTips on raising capitalRecommended reading - The Messenger by Markus ZusakAnd much more…

    Connect with Danielle on LinkedIn

    Connect with PitchIt:

    Tweet me @ToddFintech Connect with me on LinkedIn Find previous PitchIt episodes Email me at [email protected]

    Until next time.

  • On today's episode, I’m joined by Craig McLaughlin, Co-Founder & CEO of Finalytics.

    Finalytics.ai is the first customer-centric data platform designed to help credit unions translate high-touch service onto the digital channel. I find the community bank and credit union space fascinating, they do not have the luxury of throwing money at problems as they have to be strategic in how they solve their tech needs.

    Craig and I talked about the community bank and credit union market, how small financial institutions differ from large ones, current economic conditions, raising capital, the San Francisco 49ers, and much more.

    We have a lot of great offerings available at Fintech Nexus, you can sponsor the pod, sponsor a webinar, or one of our large-scale events. Feel free to reach out to me anytime, at [email protected].

    Now with our further ado, my conversation with Craig McLaughlin, Co-Founder & CEO of Finalytics. I hope you enjoy the show.

    Episode highlights include:

    Craig’s journey to FinalyticsThe importance of the cloudThe community bank and credit union tech mindsetWhy data is so criticalCommon mistakes made by community banks and credit unionsThe evolution of the fintech-bank relationshipHuman high touch vs. digital high touchRaising capitalThe San Francisco 49ersAnd much more…

    Connect with Craig on LinkedIn

    Connect with PitchIt:

    Tweet me @ToddFintech Connect with me on LinkedIn Find previous PitchIt episodes Email me at [email protected]

    Until next time.