Fintech Impact

In this episode of ‘Fintech Impact’ podcast, host Jason Pereira talks to Brandon Rembe, the Chief Product Officer of Envestnet, which encompasses his role overseeing product for Envestnet | Yodlee, the data & analytics arm of Envestnet. Jason & Brandon talk about every aspect of investment and share some great ways to make people’s financial life better. Episode Highlights:00.34: Brandon states that Envestnet is a large Wealth Tech and Fintech Ecosystem that is been around the business for over 20 years with a net worth of over $4 trillion. 01.32: Envestnet has acquired a lot of start-ups and the founders are still with the organization as they continue to innovate.02.13: Jason asks Brandon about the history of Envestnet and his role in the company.03.31: As per Brandon, they worked really hard to grow the business from the breadth of what’ they’re doing and are now focused on integrating all the components. 05.50: Brandon mentions that Envestnet as a company is the glue behind all thos

Host Jason Pereira talks to Shawn Yeager, Vice President – Sales at Dataswift, a vanguard provider of infrastructure that delivers personal data access, storage, and portability. In this episode, Shawn talks about solutions and the issues around identity rights and access to those identities.   Episode Highlights:0.30: Shawn explains what does it mean by “Infrastructure that delivers personal data access, storage, and portability?”0.47: It means that for individuals, they get the security ownership and control of their private personal data.01.02: For enterprises such as Fintech, the ability to securely in a compliant fashion transact customer data without the liability of holding all of the data.  01.05: Dataswift also provides developers, open-source tools to readily built compliance, authentication, and data storage. 02.04: Shawn has 20+ years of experience in business development and sales of infrastructure software, digital media, emerging technologies, and much more. 0

In this episode host, Jason Pereira talks to Gil Petersil. He talks about how editing and auditing your networks, both online and offline, have massive impacts on your business.  Episode Highlights:0.36: Gil talks about his years of experience in networking. He has set up few businesses around them. 01.32: Gil gives a little background of his career journey. He has handled various jobs with large and small brands.02.41: He adds that he has gained the required experience as a sales manager, waiter, executive, and many more; now, he can give back as a coach and teacher.05.01: Gil shares few recent examples of brands approaching him during the pandemic since people are not buying many products or services. 06.00: Gil doesn’t believe in time-consuming all-day training instead he prefers experimenting and then later sees how it works. 07.29: Gil talks about ethical deals and organizing the network effectively.11.00: Gil talks about “If I want to develop my business from 100 a month to mill

In this episode, host Jason Pereira talks to Andrew Altfest - Founder and CEO of FP Alpha, CFP and President of Altfest Personal Wealth Management. FP Alpha is an AI-driven comprehensive wealth management solution that helps advisors identify actionable recommendations to clients in a scalable, intelligent, and cost-efficient manner.Episode Highlights:01.16: Andrew Altfest talks about his inspiration to launch FP Alpha. In 2015 one of his advisors was asked this question “How are you different than a Robo-Advisor?”02.11: FP Alpha provides a premium wealth management experience to clients; the fee justifies the value-add service that they provide. 05.01: Andrew worked closely with his CTO, who has a background in Tech Development, and they built the first beta version of FP Alpha. It was used in his wealth management firm since 2018. Finally, in 2020 it launched it at the T3 conference. 06.27: Andrew is focused on providing financial planning for the future. He is trying to evolve financial planning

In this episode, host Jason Pereira talks to Scott Plaskett. As a financial planner, he is in the business since 1993. As a financial planner, he was looking for systems and technologies that would support the need to run the practice.  Episode Highlights:01.08: Scott shares how he realized there is the ability to create processes and workflow within the systems.01.39: After facing several crashes in the system, Scott was told to put a system in place that is running on its own server. 02.16: Scott gives a piece of insightful information that his firm was one of the first firms to embrace cloud-based technology.02:30: Scott took the help of salesforce.com, which is the apple of all programs. 03:49: Jason shares his preference for salesforce and how people often think it is a CRM platform with giant data on top. It is almost like AWS of CRM.04:35: Jason is curious to know “What does Genie deliver to an advisor who is looking to automate their process better?”04:45: Scott talks about the fou

In this episode host, Jason Pereira talks to Binna Kim founder of Vested. The company is an integrated agency of Fintech and Financial Services Firm. She jokes about her Jerry Maguire moment when she decided to quit and start her firm.Episode Highlights:02.00 – Binna talks about how brands needed to speak to their clients. Vested wants to work with the best brand in the Financial sector.03:50 – Jason talks about his personal opinion while sharing an example of his friend who is an art director at a media company and how terrible marketing he has seen.04:55 – Jason continues to share that at times how boring and repetitive few ads are.05:06 – Pointing towards the current awareness, Jason asks, “You must be seeing a lot more willingness from tech-start-ups to be different than before?”05:16 – Binna confirms that more regulations are coming into the picture for Fintech companies. 07:17 – Binna shares from her experience that not only the big firms, even the independent firms or small boutiques, come to them

In this 169th episode of Fintech Impact, Jason Pereira, award–winning financial planner, university lecturer, writer, and host interviews Adrien Treccani, Founder and CEO of Metaco, a company that enables traditional financial institutions to offer their clients blockchain solutions!Episode Highlights:0:29 – Adrien Treccani introduces Metaco.1:06 – What brought about the genesis of Metaco?3:24 – How did Metaco solve the frictions of cryptocurrency mass adoption?6:15 – What does the client process look like with Metaco?9:16 – Is Adrien seeing a willingness to adopt blockchain solutions out of fear of future regulation?12:14 – How does Metaco’s system of hierarchies and permissions work?14:10 – Adrien breaks down the book on cryptocurrency and blockchain technology that he is currently writing.15:57 – Where does Adrien see Metaco going in the future?17:32 – What is Adrien seeing as the primary reason for purchasing crypto?20:03 – If Adrien could change one thing in his industry, what would it be?21:50 – What ha

In this 168th episode of Fintech Impact, Jason Pereira, award–winning financial planner, university lecturer, writer, and host interviews Dan DeMers, CEO and Cofounder of Cinchy, a next–generation data–management platform that utilizes data fabric with the end goal of data autonomy!Episode Highlights:0:43 – Dan DeMers introduces himself and Cinchy.2:27 – What was the problem that Dan was trying to solve when he started Cinchy?5:05 – Dan and Jason discuss the nature of code and the realization of data as a core asset.6:56 – Jason and Dan explain why the silo system is not scalable.10:09 – What are the hurdles and limitations of data lakes?11:48 – Dan explains “data fabric” and what problems it solves.15:21 – Jason and Dan discuss the relation of Metcalfe's Law to data fabric.17:33 – Dan and Jason explain the value of data and what it means to every individual.22:14 – What kind of reception has Cinchy gotten from the major institutions that it works with?26:52 – Jason and Dan explain why we are on the cusp of a

In this 167th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Arin Klug, Cofounder of Epilogue, an online will kit that helps people leave behind a legacy that does not bring their loved ones massive pain by enabling them to take control of their will!Episode Highlights:0:32 – Arin Klug introduces Epilogue and how it helps people.1:06 – How did Epilogue come to fruition and what motivated its creation?3:38 – What is the average situation that Epilogue applies to?5:10 – Where is the line drawn for Epilogue when it comes to whose will it can help create?10:23 – Jason and Arin discuss the value of lawyers in the will process.11:50 – What does the Epilogue client experience look like?14:26 – Arin explains what happens when there are changes in estate law.16:50 – Jason and Arin discuss how the costs of lawyers interrupt changes to the will.20:17 – Does everyone really need to pay for the premium financial planning services?21:23 – Arin bre

In this 166th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Abraham Okusanya, CEO and Founder of Timeline. Timeline is an online platform that allows people to stress test the decumulation phase of their life and come up with a plan to deal with it!Episode Highlights:0:34 – Abraham Okusanya introduces Timeline.1:18 – Jason discusses the conflicting aspects and uncertainty of decumulation.1:52 – What was Abraham’s journey that led him to start Timeline?5:47 – Jason explains his biggest problems with financial plans.6:27 – What are the client inputs and outputs involved when working with Timeline?10:36 – Abraham explains how Timeline compares client expectations to reality.12:31 – What are the various spending rules that Timeline uses to adjust based on reality?16:54 – How does Timeline’s Floor and Ceiling rule work?18:39 – Abraham compares Timeline’s Floor and Ceiling rule to Michael Kitces’s Ratcheting rule.22:13 – Jason and Abraham

In this 165th episode of Fintech Impact, Jason Pereira, award–winning financial planner, university lecturer, writer, and host interviews Meenaz Sunderji, the Executive VP at Zafin. Zafin is a banking software platform that helps financial institutions personalize their services for their customers!Episode Highlights:0:31 – Meenaz Sunderji introduces Zafin and its services.1:32 – What led to the creation of Zafin?4:31 – Meenaz and Jason dive into what Zafin does for its clients.6:11 – How many different Legacy COBOL systems was Zafin dealing with to create a unified view?8:33 – Did any financial institutions come up with a long–term strategy before Zafin came into the picture?9:50 – Jason and Meenaz explain the difficulties of putting multiple product lines into one framework.15:00 – How has Zafin dealt with financial restrictions and regulations around the world?18:19 – Meenaz breaks down how a large publicly-traded company re-engineers its incentive program for the longer term.20:43 – Jason and Meenaz discu

In this 164th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Thomas Sponholtz, CEO of Unison, a company that enables equity financing of residential real estate and gives institutional investors access to the world’s largest asset class!Episode Highlights:0:33 – Thomas Sponholtz introduces Unison.3:16 – What was the impedance for the creation of Unison?6:06 – Thomas explains the consumer experience when working with Unison.7:37 – To what degree is Unison participating in the change in the value of the house?8:44 – What happens if the homeowner sells the property at a loss?9:36 – How long do these deals take to get closed?11:10 – Thomas discusses the return expectations by investors.13:24 – How much attention is paid to regional diversification?16:00 – Jason and Thomas discuss the potential risk for residential homeowners.19:28 – Thomas discusses Unison’s goal of giving people the experience of having a home without the financial comm

In this 163rd episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Clayton Feick (Flinks) to go over the fundamental concepts of Open Banking!Episode Highlights:1:33 – Clayton Feick gives an update on his role at Flinks.3:07 – Jason and Clayton discuss the leveraging of data with Open Banking.4:01 – What is Open Banking in layman's terms?5:22 – Clayton explains screen scraping as a way to access data.6:45 – Jason and Clayton break down the current barriers to user data.11:10 – Clayton discusses the banks’ struggles to adapt to a new environment.14:01 – Was there anything of note that came up during Clayton’s global panel?16:15 – Jason and Clayton discuss innovation and regulation coming together on a global scale.20:34 – Jayson and Clayton dive into the responsibilities of regulators and legislators surrounding data rights.22:31 – How does the Open Banking framework go about its security?25:54 – If Clayton could change one thing about the

In this 162nd episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Edward Berks (Xero), Davyde Wachell (Responsive AI), and Chad Davis (LiveCA) on what works and doesn’t work with Open Banking in different countries around the world!Episode Highlights:1:03 – Everyone introduces themselves and their companies.4:06 – What market has done the best job of moving Open Banking forward?8:44 – Where have we seen the biggest struggles throughout the world?13:40 – David explains how North American banks are actively slowing down the process of Open Banking.17:00 – Everyone weighs in on TD’s current lawsuit against Plaid.21:05 – What is the correlation between market competition and outcomes?27:00 – Jason compares the American financial psyche with the Candian one.28:03 – Everyone discusses streamlining access to capital during COVID in Canada.33:30 – Why does the Canadian government continue to push timelines for Open Banking?37:30 – David discusses

In this 161st episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host is joined by Ben Harrison (Portag3 Ventures), Andrew Moor (EQ Bank), & Daniel Eberhard (KOHO) for part 3 of his series on Open Banking. This one is all about Canada!Episode Highlights:0:57 – Andrew Moor introduces himself and EQ Bank.2:25 – Ben Harrison gives insight into his role at Portag3.3:58 – Daniel Eberhard introduces himself and CoHo’s mission.6:15 – What is the current state of Open Banking in Canada?9:00 – How does this round of conversations surrounding Open Banking differ from conversations in the past?12:49 – Jason discusses the unprecedented urgency around regulatory reforms in Canada right now.14:19 – What kind of consideration is Canada’s advisory committee taking from markets that have already implemented Open Banking?18:12 – Everyone discusses the lack of data rights for consumers in Canada.23:28 – What does Open Banking mean to the future of KOHO, EQ Bank, and P

In this 160th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Frederik Mennes (OneSpan), John Pitts (Plaid), & Yoseph West (Relay) to discuss the state of Open Banking in the United States! Episode Highlights: ● 0:50 – John Pitts introduces himself and Plaid. ● 1:32 – Yoseph West introduces himself and Relay. ● 2:08 – Frederik Mennes introduces himself and OneSpan. ● 3:22 – What is the state of affairs in the US for Open Banking right now? ● 5:52 – Frederik addresses the fundamental differences between the US and Europe in their approaches to Open Banking. ● 7:00 – How has the state of regulations in the US impacted Relay’s growth? ● 8:30 – What are the incentives and motivations for Plaid’s clients on the bank side? ● 11:34 – Frederick shares about OneSpan’s client education around security in Open Banking. ● 13:30 – John explains why he thinks that regulations are not as vital as

In this 159th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Hesus Inoma and Daniel Döderlein. As 2 pioneers of Open Banking in Europe, Daniel and Hesus are here to discuss the current movements and innovations of world leaders in European Banking!Episode Highlights:0:18 – Jason explains why he is hosting a 5–part series on Open Banking.1:41 – Daniel Döderlein introduces himself and what he does.2:29 – Hesus Inoma introduces himself and his professional experience.3:32 – Daniel defines Open Banking for the layperson.9:16 – What is PSD2 and what was its impact?12:20 – Jason and Hesus break down how banks will win or lose with Open Banking.15:36 – Daniel explains how banks have been rotten and spoiled for so long.19:39 – What will happen to big banks in the future with Open Banking?26:46 – Jason, Hesus, and Daniel discuss the shift in innovation that is happening in banking right now.32:52 – What does the customer really want and where

In this 158th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Jennifer Couldrey, the Executive Director of The Upside Foundation of Canada, an organization that enables equity donations by Canadian business founders who wish to make a positive impact on the future of their communities!Episode Highlights:1:20 – Jennifer Couldrey introduces The Upside Foundation.2:14 – How did Jennifer get into this business and how did The Upside Foundation get its start?3:52 – Jennifer breaks down The Upside model.5:56 – Why are these Canadian founders interested in donating equity?8:05 – Jason and Jennifer talk about how The Upside Foundation thrives in the long-game.9:07 – What does a typical deal look like and what factors play into these parameters?10:59 – Where are the donations being directed?13:01 – Is this a one-time donation or a continuously-managed fund?14:59 – Jason and Jennifer discuss how people view different charities.21:12 – What is t

In this 157th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Lil Roberts, CEO of Xendoo, an online accounting firm that aims to serve small businesses by simplifying the bookkeeping process!Episode Highlights:0:32 – Lil Roberts introduces Xendoo and its mission.0:56 – What was the inspiration behind the creation of Xendoo?1:36 – Lil shares her journey that led to the creation of Xendoo.3:22 – Jason and Lil talk about the importance of knowing your numbers when it comes time to scale.5:56 – Lil and Jason discuss the competition in the accounting industry.8:28 – Jason and Lil dive into the low bar of understanding for what people should expect from their accountant.11:40 – Lil explains why the concept of dropping off your paperwork is one of the past.13:48 – What tools are in Xendoo’s tech stack and why were those chosen?17:00 – Jason and Lil talk about the importance of being organized with your tax paperwork.18:45 – How much fun is i

In this 156th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Zachary Dan, CoFounder and CTO of Act Analytics, a platform that helps financial advisors make better decisions around environmental, social, and governmental factors!Episode Highlights: 0:41 – Zachary Dan introduces Act Analytics.1:04 – What led Zachary to create Act Analytics.2:14 – Jason discusses the issues that exist in the ESG area.4:12 – How does Zachary score industries with ESG factors?8:09 – Zachary discusses the challenges presented by a high–level of customization in regard to customer experience.9:12 – What does the user experience look like from start to finish?11:14 – How often is the data updated?11:38 – Zachary dives into the sources of data that Act Analytics utilizes.14:01 – What has the feedback been like from Act Analytics’s earliest users?16:00 – Zachary shares his thoughts on future innovations for the platform.17:49 – If Zachary could change one