FinTech @ IU

Greg Palmer is the host of the Finovate Podcast and head strategist for the Finovate conference series. With years of experience in the fintech space, Greg has worked with thousands of people on how to best market their companies to a wide variety of audiences, including Venture Capitalists, Bankers, and Analysts. In this episode, Greg shares his insights on BNPL, the future of Fintech, bank failures, and what makes a great startup.    0-1: Intro   1-2: Difference between the Finovate conference and others  2-4: Top Finovate Innovations   4-6: Credit Scores Innovations  6-8: FICO  8-10: Buy Now Pay Later   10-11: Buy Now Pay Later Technologie/Providers  11-14: Buy Now Pay Later Risk  14-16: Buy Now Pay Later Cons   16-19: National Debt   19-22:  Banking Industry and Innovation  22-24: Does Banking Regulation Work   24-30: SVB Failure  30-32: Bad Corporate Actors  32-38: Differentiator between successful companies and others   38-40: Ego in venture capital   40-44:  Key things founders should pitch   44-46: What makes a good pitch?  46-48: what is the best pitch you have seen?  48-50: Can students attend Finovate events?  50-52: Different ways to be successful in Fintech   52-54: Opportunities in difficult times   54-58: Upcoming innovative countries  58-: Advice to college students

In this Episode, Pranav Barthwal shares insights into his experiences at American Express, the evolution of the card industry in India, and the challenges and opportunities in the financial services sector. The discussion also delves into the intricacies of Earned Wage Access, workforce management, and the impact of economic factors on India's market, providing a comprehensive overview of the dynamic landscape in fintech and beyond.  00:00-00:01: Introduction 00:01-00:05: Sudha Organization and Chadha's role at American Express 00:05-00:10: Challenges and evolution in the card industry 00:10-00:15: Banking sector overview and licenses in India 00:15-00:20: Partnerships, tech challenges, and workforce management 00:20-00:25: Earned Wage Access (EWA) model, market dynamics 00:25-00:30: Financing student loans, SME lending, platform strategy 00:30-00:35: Future plans, economic challenges, employee welfare 00:35-00:40: Opportunities in India, global economic impact 00:40-00:45: Return of Indians, education challenges, consistency 00:45-00:47: Acknowledgments and Conclusion

Ohad Samet is the co-founder of TrueML Products, a company that specializes in building intelligent communications platforms. Ohad obtained his undergraduate degree in biology and philosophy from Tel Aviv University. In this episode, Ohad discusses the evolution of artificial intelligence, its impact on decision-making, and the nuances of data cleansing, providing valuable insights for both fintech enthusiasts and those exploring the world of AI.  00:00-00:05: Introduction, AI's venture into non-traditional realms  00:05-00:10: Machine learning in nuanced decision-making, impact on job markets  00:10-00:15: Data challenges in ML, economic heuristics in purchasing  00:15-00:20: Ethical AI, Apple-Goldman Sachs partnership  00:20-00:25: Exponential growth in computing power, AI in risk assessment  00:25-00:30: AI in weather forecasting, genomic sequencing, and Tremell's origin  00:30-00:35: Buy now pay later vs. credit cards, challenges in the industry  00:35-00:40: Business culture clashes, profitability challenges, career advice

Ras Asan is a founder and fintech pioneer, who, despite being featured in top-tier media like CNN, New York Times, and Inc. magazine, faced burnout at the pinnacle of their career. They're the founder of "Heal Thy Hustle," a holistic wellness brand dedicated to empowering professionals to achieve equilibrium through self-help resources, life coaching, and wellness workshops, with a current focus on enhancing productivity, morale, and personal development in small businesses and corporations. 00:00 to 00:05: Introduction and personal investments, discussing health challenges for entrepreneurs.  00:05 to 00:10: Entrepreneurial role in Cleveland, highlighting health struggles for business owners.  00:10 to 00:15: Motivation behind contributing to a book on health and entrepreneurship.  00:15 to 00:20: Exploration of the eight forms of capital model and community building.  00:20 to 00:25: Blockchain applications in healthcare, voting, and music, addressing cryptocurrency stigmatization.  00:25 to 00:30: Growing interest in AI, societal impact, and challenges in distinguishing marketing from health benefits.  00:30 to 00:35: Discussion on dietary choices, societal influences, and challenges in maintaining community connections.  00:35 to 00:40: Exploration of holistic wellness, brain health, and the connection between neurotransmitters and gut health.  00:40 to 00:50: Advice for college students on financial planning, healthcare, and learning about investments.

Jesse Greif, COO at OneChronos, Ex Goldman Sachs, discusses topics ranging from startup culture challenges to the intricacies of optimizing trading execution for institutional clients. We discuss the expansion of OneChronos, emphasizing the significance of hiring decisions, managing financial resources, and encouraging calculated risks in the dynamic startup environment. The discussion further extends to the technical aspects of OneChronos' optimization model, its benefits for quantitative trading firms, and reflections on the role of psychology and personal growth in the fintech industry.  00:00-00:03: Podcast Kickoff and Company Introduction Fintech podcast intro with Jesse Greif, COO at OneChronos X Goldman Sachs. OneChronos overview, specializing in securities trading optimization, and a discussion on startup culture with an emphasis on guardrails. 00:03-00:07: Startup Growth and Hiring Insights Team expansion from 6 to 15 members, highlighting individual impact. Hiring insights: balancing skills, motivation, and financial management, with advice on risks and entrepreneurship. 00:07-00:11: Navigating Startup Challenges Managing financial resources, hiring based on attitude and values. Challenges and benefits of startup culture, with encouragement to take risks for positive outcomes. 00:11-00:15: Building a Company and Reflections Hiring considerations and evolving startup culture. Emphasis on positive discussions and balancing guidance with trust in the team's abilities. 00:15-00:22: Financial Markets and Trading Optimization Encouragement for calculated risks and entrepreneurship. Reflections on worst-case scenarios, advising extensive interviews, and an introduction to equity markets. 00:22-00:30: Optimizing Trading Execution and Technical Insights Factors influencing order venue decisions and OneChronos' approach to optimization. Technical insights into optimization challenges and balancing global optimization with practical heuristics. 00:30-00:37: Advanced Optimization Techniques Technical aspects of OneChronos' optimization model, algorithms, and benefits for trading firms. Expressive bidding, user-injected constraints, and the flexibility of the matching engine. 00:37-00:45: Guest Insights, AI Impact, and Career Advice Guest's background, AI's impact, and advice for non-traditional fintech majors. Navigating disruptive product representation, encouraging exploration of career paths, and diverse experiences. 00:45-00:53: Personal Growth and Finding Balance Psychology concepts, inclusivity, and reflections on self-discovery. Balancing work and life, enjoying the journey, and encouragement to explore, experiment, and take risks. 00:53-01:07: Success, Vulnerability, and Outro Success attributed to hard work, encouraging vulnerability and growth. Recognizing challenges, revisiting priorities, and two actionable steps for early career individuals. The outro reflects on consistency and effort. 01:07-01:08: Concluding Thoughts and Outro Final thoughts, summarizing the key points, and concluding the podcast with an outro.

Jamie Finn, Co-Founder and President of Securitize, discusses a range of fintech topics from the evolution of blockchain technology and the complexities of cryptocurrency scams, to the importance of investor diligence in the current crypto climate. The episode explores Securitize's growth, highlighting the challenges and successes in the blockchain space, and the crucial role of strategic decision-making in such a dynamic industry. Jamie shares his personal experiences with crypto scams, providing valuable insights into the psychology behind these frauds and offering essential advice for those navigating the fintech sector. The discussion also encompasses the integration of blockchain in mainstream applications, the shifting landscape of big tech in the blockchain arena, and critical reflections on the future of fintech and digital security. 00:00-01: Introduction and Jamie Finn's background in blockchain security.  00:01-02: Discussion on FTT token's value surge and cryptocurrency optimism.  00:02-03: Challenges in cryptocurrency, unrealistic expectations, and the Dogecoin phenomenon.  00:03-04: Shift in investor diligence and reckoning in crypto valuations post-2021.  00:04-05: Addressing fatal flaws in cryptocurrency due diligence post-FTX meltdown.  00:05-06: Experiences with fraudulent behavior in the crypto space.  00:06-07: Psychology of scammers and the importance of thorough due diligence.  00:07-08: Personal scam experience with a fake blockchain project.  00:08-09: Dealing with the aftermath of being scammed and recognizing red flags.  00:09-10: Distinguishing genuine expertise from fraud in fintech.  00:10-11: Differentiating real knowledge from pretense and the concept of 'fraud as a service.'  00:11-12: Discussion on GPT's impact and exploring new fintech opportunities.  00:12-13: Institutional interest in blockchain for back-office transformation.  00:13-14: (Incomplete transcript for this minute)  00:14-15: (Incomplete transcript for this minute)  00:15-16: NFT technology applications in ticketing and its potential in fintech.  00:16-17: Internet evolution analogy to explain blockchain's current state and potential.  00:17-18: The need for further development and ease of use in blockchain infrastructure.  00:18-19: Speculation on tech giants' responses to blockchain and changing business models.  00:19-20: Future integration of Web 3 in mainstream social media and its impact.  00:20-21: Consumer confidence in crypto via mainstream platforms; discussion on super apps.  00:21-22: Potential of Apple as a super app and the future of fintech.  00:22-23: The fintech industry's challenges and the next big technological advancements.  00:23-24: Speculation on Apple's future and the evolution of technology.  00:24-25: Debate on Apple's potential in blockchain and the role of PayPal in fintech.  00:25-26: PayPal's stablecoin and its impact on the payment system landscape.  00:26-27: The potential of PayPal and Square in blockchain and fintech.  00:27-28: Discussion on fintech liabilities and security concerns in crypto wallets.  00:28-29: The future of sophisticated financial products and asset digitization.  00:29-30: U.S. government debt, reserve currency status, and blockchain as a catalyst.  00:30-31: The role of U.S. power and the importance of digitization in asset management.  00:31-32: Future of large financial firms moving to blockchain technology.  00:32-33: Advice for young people entering the blockchain field.  00:33-34: Closing remarks and gratitude to the guest.

Join us on Fintech at IU as we sit down with Mary Wisniewski, Editor-at-Large at Cornerstone Advisors. Dive into co-innovation in banking, AI's impact on cryptocurrency, and insights from Mary's journey in the fintech landscape. Discover the past, present, and future of finance and technology in this insightful episode.  00:00-00:01: Podcast Welcome and Introduction  00:01-00:02: Co-innovation Impact on Banking  00:02-00:03: Memorable Stories and Favorite Features  00:03-00:04: Morning Motivation and Life Crisis  00:04-00:05: Money 1033, AI Domains, and Funding  00:05-00:06: Crypto Scandal and Industry Impact  00:06-00:07: Trial Coverage and Cryptocurrency Setback  00:07-00:08: Crypto Hype, Scandals, and Industry Perception  00:08-00:09: AI, Crypto, and Changing Public Image  00:09-00:10: US Economy Uncertainty and Surprises  00:10-00:11: Federal Pressure on Banks and Interchange  00:11-00:12: Credit Cards vs. Debit Cards  00:12-00:13: Banks' Resilience During Recessions  00:13-00:14: Rhetoric vs. Reality in Changing Banking  00:14-00:15: Fintech Products and Their Similarities  00:15-00:16: BNPL and Impulsive Decisions  00:16-00:17: Saving vs. Debt with BNPL  00:17-00:18: Future of Fintech and Large Banks  00:18-00:19: Financial Discipline and Impulsive Decisions  00:19-00:20: Cash Back vs. Overdraft Fees  00:20-00:21: Wells Fargo Scandal and Customer Loyalty  00:21-00:22: City's Fine and Account Practices  00:22-00:23: Banking with Large Organizations  00:23-00:24: Branches During the Pandemic  00:24-00:25: Fintech vs. Traditional Banks and Regulations  00:25-00:26: Government Regulations and Fintech Challenges  00:26-00:27: AI-Generated Voices and Deep Fakes  00:27-00:28: Tech Replacing Human Aspects  00:28-00:29: Traditional Banks' Government Advantage  00:29-00:30: Advice: Insert Yourself into Opportunities

In this episode, we explore the dynamic intersection of technology and finance, with a focus on blockchain and cryptocurrency. Today we talk with Sanjib Kalita, Head of Industry at Fintech Meetup and CEO of Gupy.ai, about his experiences at Google, launching Money 20/20, and his insights on the evolving fintech landscape. The conversation covers blockchain's potential, challenges in public perception, and the promising innovations in startups. Sanjid also shares valuable advice for college students and reflects on wealth dynamics.     00:00 to 00:01: Intro to podcast and guest, Sanjib Kalita, on college-focused fintech. 00:01 to 00:02: Sajid's excitement for creative work and turning ideas into reality. 00:02 to 00:03: Discussing blockchain for credit report issues and timing challenges. 00:03 to 00:04: Insights into blockchain benefits, early adoption challenges, and fraud prevention. 00:04 to 00:05: Exploring public perception, differentiating blockchain from crypto. 00:05 to 00:06: Discussing blockchain in healthcare, advocating open-mindedness. 00:06 to 00:07: Emphasizing blockchain's positive impact, tackling fraud. 00:07 to 00:08: Reflecting on negative perceptions of crypto, need for education. 00:08 to 00:09: Comparing global regulatory perspectives on blockchain. 00:09 to 00:10: Highlighting fintech startups in entertainment and sports. 00:10 to 00:11: Focus on startups in entertainment and sports for financial services innovation. 00:11 to 00:12: Importance of risk appetite, innovation, and cutting out middlemen. 00:12 to 00:13: Exploring challenges of cutting out middlemen, importance of support. 00:13 to 00:14: Changing landscape of the financial industry, early adoption challenges. 00:14 to 00:15: Reflecting on experiences of being too early in the market. 00:15 to 00:16: Insights into marketing strategies, challenges of sounding too good. 00:16 to 00:17: Reflecting on wealth dynamics, maturity, and consequences. 00:17 to 00:18: Comparing crypto market growth with historical manipulations. 00:18 to 00:19: Reflecting on the evolution of blockchain and crypto markets. 00:19 to 00:20: Discussing missed opportunities, challenges of predicting trends. 00:20 to 00:21: Reflecting on marketing's influence on public perception. 00:21 to 00:22: Discussing personal encounters with billionaires, wealth impact. 00:22 to 00:23: Exploring generational perspectives on wealth, pitfalls. 00:23 to 00:24: Sharing experiences of first paychecks and financial independence. 00:24 to 00:25: Drawing parallels between excitement over paychecks and a candy store. 00:25 to 00:26: Closing remarks, gratitude to guest, audience, and advisors. 00:26 to 00:27: Asking advice for college students: Learn functions, bridge finance and tech. 00:27 to 00:28: Emphasizing understanding functions, financial vocabulary, interdisciplinary knowledge. 00:28 to 00:29: Expressing gratitude to guest, contributors, and concluding the episode. Tell me more about blockchain benefits.What are some fintech startup trends?

In this podcast episode, Eric Eager, a sports analytics expert, discusses the impact of mathematical analysis on decision-making in sports, explores historical examples, evaluates the role of key figures like Bill Belichick, and delves into the challenges and advancements in football data analytics. The conversation also touches on the intersection of AI and sports analytics, Eric's favorite NFL model, and the evolving landscape of sports analytics as a career.    00:00 to 00:04:  Introduction to the podcast with guest Eric Eager.  Exploring decision-making and lack of mathematical analysis in sports.  00:04 to 00:09:  Historical examples of decisions in sports.  Impact of decisions on player outcomes and success.  00:09 to 00:14:  Success and decisions related to quarterbacks.  Bill Belichick's role in New England Patriots' success.  00:14 to 00:19:  Influence of game strategy on score outcomes.  Challenges in tracking and rating football data.  00:19 to 00:24:  Impact of poor officiating on game results.  Challenges in evaluating quarterbacks in the draft.  00:24 to 00:29:  Transition from academia to sports analytics.  Growth and specialization in sports analytics.  00:29 to 00:34:  Impact of AI and machine learning on sports analytics.  Favorite model built for the NFL.  00:34 to 00:40:  Role of proprietary models in sports analytics.  Financial considerations in sports trades and opportunities in fantasy sports analytics.

In this episode, Kenon Chen, discusses the nuances of property valuation, from data points to valuation methods, shedding light on the challenges and opportunities in the industry. Keenan shares insights on the transformative role of technology, the digitization of homes, and the impact on traditional appraisers, emphasizing the need for unbiased opinions and recent, accurate data. 00:01-00:05: Explore property valuation nuances, data points, and complexities. Explain valuation methods, historical data use (especially for new construction), and the importance of accurate valuation for property stakeholders. 00:06-00:10: Discuss challenges, opportunities, and technology's role in property valuation. Introduce human-based evaluation, emphasize unbiased opinions post-financial crisis, and overview traditional appraisal, emphasizing digitization's necessity. 00:11-00:15: Discuss technology's role in creating digital floor plans for homes. Address concerns about digitization's impact, mention a free digital home appraisal process, and compare the U.S. real estate market with other countries. 00:16-00:20: Discuss digital floor plan benefits, challenges in relying on property records, and real estate industry regulatory changes. Mention programs allowing property data collection for consumer cost savings and credit rating agencies supporting innovative valuation approaches. 00:21-00:25: Briefly discuss experiences during the 2008 financial crisis, share anecdotes about networking and building business relationships, reflect on personal growth, and emphasize the significance of relationships in career success amid market uncertainties. 00:26-00:30: Discuss increasing housing affordability, supporting new homeownership models, and encouraging innovation and change in the real estate market. Overview fractional ownership models and collaborative approaches to homeownership. Offer advice for young individuals to focus on relationships, authenticity, and adding value to others' lives. 00:31-00:35: Reflect on personal growth, finding authenticity through education and self-discovery. Acknowledge the importance of relationships in career development and success. Recognize the mistake of trying to lead like someone else and the value of authenticity. Discuss the transformational moment of going back to school, gaining new perspectives, and offer advice on continuous practice, staying authentic, and finding passion in impacting others positively. 00:36-00:40: Explain the importance of relationships in both short-term and long-term success. Conclude with final advice for young individuals to focus on relationships, authentic interactions, and adding value. Acknowledge the challenge of maintaining relationships in the business world and reference a quote from "The Big Short." Offer closing remarks and express gratitude to the audience and hosts.

In this episode, founder of Emergent Cognition, Aryeh Furman, delves into the dynamic realms of fintech, entrepreneurship, and the profound intricacies of life. From navigating startup ventures to unraveling the challenges of modern hustle, join us in exploring the intersections of burnout, holistic wellness, balanced lifestyles, and professional empowerment. 00:00 to 00:05: Introduction and Startup Ventures 00:05 to 00:10: Challenges and Transitions 00:10 to 00:15: Transformations and Business Models 00:15 to 00:20: Alumni Reflections and Fintech Landscape 00:20 to 00:25: Industry Dynamics and Entrepreneurial Risks 00:25 to 00:30: Balancing Passion and Practicality 00:45 to 00:50: Living for a Grand Purpose and Optimism 00:50 to 00:53: Encouragement to Students and Gratitude

Nick Chandi is the CEO and Co-Founder of ForwardAI, a trailblazer in instant business payments. With two decades in accounting technology and finance, Nick not only leads ForwardAI but also co-chairs the BC Tech CEO Scale C-Council and contributes to the Forbes Finance Council. 0:00-5:00: Introduction and Forward AI  5:00-10:00: Importance of Cash Flow in Business and why businesses choose different payment platforms  10:00-15:00: The Emergence of FEDNOW and Traditional Banks   15:00-20:00: Canada V.S. America Fintech Ecosystem  20:00-25:00: The Next Big Wave After the Ai Boom  25:00-30:00: The Threats of Fraud and AI  30:00-35:00: Challenges of Operating a Remote Team  35:00-40:00: Advice to someone Leading A Remote Team  40:00-45:00: Recommendation to Collage Students and Conclusion

Sarah Welch is a Managing Director at Curinos, a company that helps financial institutions make data-driven decisions to improve efficiency and profitability. She completed her undergraduate degree in international business and French at Georgetown University and serves as a Chairperson for the Maryknoll Lay Missioners.

Caribou Honig is a partner at SemperViren Ventures, a VC firm that specializes in investing in workforce, healthcare, and financial technologies. In this episode, we discuss quitting jobs, taking risks, Insurance, and Venture capital in 2023. 0-1: Intro 1-5: Stupid Career Decisions 5-8: InsureTech 8-10: How will younger people become interested in insurance? 10-11: Opportunities at CapitalOne 11-13: Hierarchy of technology 13-16: Insurance API’s 16-18: What Caribou Invests In 18-21: What do you look for in a founder? 21-23: Dilution in Venture Capital   23-27: Investing in companies in 2023 27-32: Should Venture Capital be democratized? 32-34: How to find business opportunities 34-35: InsureTech Niche 35-40: The math behind Insurance 40-42: Assessing Risk 43-47: Advice to college students

In this episode, we talk about how many banks are failing to realize the opportunity of BaaS, how big giants like Goldman and JP Morgan started taking action, how FinTech is starting to merge in the lending sector, the current macro environment and the compliance aspect of new data.

In this episode, we talk with Jonah Crane, one of the partners at the widely-known Klaros Group. We talk about the growing number of M&A deals the FinTech industry has seen in 2023, which is mostly attributed to the venture slowdown and practically dead IPO and SPAC markets that we saw last year. We get his takes on international FinTech markets exploding with growth, especially in Brazil. Finally, we get in-depth on regulations, the Sam Bankman-Fried Trial/FTX crash, and BAAS. Min 0-2: Early career   Min 2-3: 2008 finacial crisis   Min 3-9: Now vs. 2008   Min 9-10: Latin American markets   Min 10-13: Younger generation and Fintech   Min 13-16: Regulators and fiscal policy   Min 16-19: Working with Plaid   Min 19-21: Understanding regulations   Min 21-24: Crypto regulations and the new frontier   Min 24-28: State-by-state crypto approach   Min 29-35: Banking as a Service Regulations   Min 35-37: Choosing a bank as a Fintech   Min 37-38: Fintech user Information security   Min 38-40: Best advice for someone entering the Fintech space   Min 40-41: Is it worth entering the fintech space?   Min 41-44: Apple x Goldman Sachs   Min 44-45: Sponsored banking boom  Min 45-47: CFI lending   Min 47-50: Advice to college students

In this episode, we talk with Professor Gerry Hays from the Indiana University Kelley School of Business. He runs a VC called Doriot Venture Labs, teaching investors how to identify the characteristics of high-potential investors, how to financially engineer win/win venture investments, how to avoid the most common "trapdoors" that drive negative outcomes, and how to increase overall confidence navigating venture complexities. We discuss his take on what current VC investors should do regarding either full-on consumption to generate quick returns or instead letting these startups take their time and innovate. We go in-depth on crowdfunding, tokenization of assets, and the rise of angel investors. And finally... we talk about how the wealthiest families dominate VC. Timestamps: 0:00-1:00 (Intro)  2:00-3:00 (Time as a lobbyist) 3:00-5:00  (First startup) 5:00-6:00 (Second startup to now) 6:00-7:00  (Hometown)  7:00-8:00 (Teaching at IU ) 8:00-10:00 (What is venture and private capital)  10:00-11:00 (Angel Investors) 11:00-15:00 (Who controls the venture market, and the problem with fundraising?)  15:00-16:00 (What prerequisites should a VC have?)  16:00-17:00 (Private capital investing strategy)  17:00-18:00 (Creating a VC exam and government intervention)   18:00-20:00 (Who do you want to fund your company?) 20:00-23:00 (What founders you should invest in) 23:00-25:00 (The two C’s) 25:00-27:00 (The ups and downs of investing)   28:00-30:00 (Being purpose-driven and fintech at IU)  30:00-32:00 (Don’t focus on what others think)  32:00-34:00 (Being a consumer)   34:00-36:00 (Working vs. owning)  36:00-39:00 (Is money everything?) 39:00-43:00 (US debt and assets)  43:00-44:00 (US status and spending) 44:00-46:00 (Lobbying and politics)  46:00-48:00 (Taking action)

In this episode, we talk to Alex Johnson, creator of the FinTech Takes newsletter and one of the most widely regarded figures in the industry. He also runs his own podcast "FinTech Takes" where he talks BAAS, investment advice, innovative business models, emerging players and upcoming trends. We talk FinTech specifically in 2021 and his take on what will happen to the industry within the next decade, how AI will change FinTech and the #1 tips he has for college students who want to land FinTech roles. Timestamps: 0:00-1:00 (Intro)  1:00-4:00 (Early life and career)   4:00-5:00 (Jumping from Zoot to FICO)  5:00-7:00 (The shift from manual to automated underwriting)   7:00- 9:00 (FICO Scores and Lending)   9:00-10:00 (Misuse of FICO scores)  10:00-15:00 (Fintech boom in 2021)  15:00-16:00 (AI in Fintech)  16:00-18:00 (The obsession with AI)  18:00-22:00 (Revoluntanry = boring) 22:00-23:00 (Starting the Fintech Club) 23:00-24:00 (Having the right motivation)  24:00-27:00 (Starting the newsletter)   27:00-29:00 (Building foundations)   29:00-31:00 (Constantly learning) 31:00-34:00 (Become obsessed with something)  34:00-35:00 (Getting started in Fintech) 35:00-39:00 (Fixed Income and Securities)   39:00-43:00 (Customer point of view )  43:00-47:00 (The Next Steps in Fintech)  47:00-48:00 (Old systems and new technologies)   48:00 -49:00 (Advice to college students)

In our first official episode, we sit down with Rob Krugman, the Chief Digital Officer at Broadridge. He talks about entrepreneurship, his foresight on what will happen in Generative AI within the next decade, big players like Goldman and JP Morgan creating services similar to FinTech firms, and building this innovative mentality within teams.  Timestamps:  0:00-1:00 (Intro)  1:00-3:00 (Early career)  3:00-4:00 (Working for startups)  4:00-5:00 (Current career)  5:00-7:00 (Old financial technologies and upcoming financial technologies/Web3)  7:00-9:00 (FinTech vs. Institutional Banks)  9:00-11:00 (Gamifying companies)  11:00-12:00 (Delivering value to users)  12:00-14:00 (protecting crypto investors)  14:00-18:00 (Financial literacy problem and solutions)  18:00-19:00 (new participants in crypto and its future)  19:00-20:00 (the stigma in crypto)  20:00-22:00 (401k investing)  22:00-24:00 (Financial literacy for retirement)  24:00-end (new generational thinking)