Fintechfun with Chris Titley

Trent Daniel – Azupay’s Big Move with NAB

Tue, 09 Sep 2025 06:00:00 +1000

Episode Summary

In this episode of FintechFun, Chris Titley talks with Trent Daniel, Chief Customer Officer at Azupay, about the company’s landmark partnership with National Australia Bank. Trent explains how Azupay went from being first to market with Dynamic PayID and PayTo to now powering NAB’s enterprise customers with real-time payment solutions.

The conversation covers:

Why NAB’s endorsement is a game-changer for credibility and adoption
How Azupay is rewriting direct debit with PayTo
The role of trust, user experience, and regulation in scaling payments
What’s next for innovation, from portability to omni-channel payments

And for a lighter finish, Trent shares his unusual past as a competitive axe thrower and his current love of spearfishing.

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This podcast uses the following third-party services for analysis:

Podtrac - https://analytics.podtrac.com/privacy-policy-gdrp
Spotify Ad Analytics - https://www.spotify.com/us/legal/ad-analytics-privacy-policy/

Mastering Money Management: Jason Leong on Bootstrapping PocketSmith and Empowering the Home CFO

Mon, 04 Aug 2025 06:00:00 +1000

Episode Summary

In this episode of the Fintech Fun podcast, Chris Titley sits down with Jason Leong, CEO and co-founder of PocketSmith, a bootstrapped New Zealand fintech helping households worldwide take control of their finances.

Jason shares the 17-year journey of transforming PocketSmith from a simple cash flow calendar into a global platform used in 190 countries. He explains the concept of the “home CFO,” why true financial data ownership matters, and how Consumer Data Right (CDR) in Australia is reshaping open banking.

From handling unexpected expenses to tackling bill shock, Jason discusses practical budgeting approaches, the psychology of money management, and how PocketSmith adapts to the evolving needs of budget planners, investors, and digital nomads. He also opens up about the role AI should play in personal finance, cultural differences in money mindsets, and his personal passions for travel hacks and sneaker collecting.

Tune in to discover how you can become your own “pocket smith,” crafting a financially confident future for yourself and your household.

Time Stamps

00:00 – 00:14: Introduction to Jason Leong and PocketSmith’s global reach.

00:14 – 01:37: Founding story of PocketSmith, naming the company, and bootstrapped origins.

01:37 – 04:09: The “home CFO” concept and solving the time drain of managing finances.

04:09 – 06:26: Understanding net worth, data ownership, and the rise of open banking.

06:26 – 08:20: Segmenting personal finance users – planners, investors, and digital nomads.

08:20 – 11:35: CDR’s role in Australia, data access challenges, and global integration.

11:35 – 13:11: How Australians think about money vs. Kiwis and the cultural differences.

13:11 – 15:28: Managing financial emotions, reducing stress, and time-saving benefits.

15:28 – 19:40: Evolution of PocketSmith’s features and customer-driven product changes.

19:40 – 23:14: Handling unexpected expenses, rollover budgeting, and financial flexibility.

23:14 – 24:59: Tracking savings goals, budget optimization, and behavior-driven insights.

24:59 – 27:11: Shifting financial aspirations and Gen Z’s surprising money habits.

27:11 – 29:54: The Australian fintech ecosystem, partnerships, and CDR’s progress.

29:54 – 33:21: AI’s role in finance, risks of hallucinations, and cautious adoption.

33:21 – 35:30: PocketSmith’s future roadmap and feature improvements.

35:30 – 42:24: Founder spotlight – Jason’s reflections on life, travel, and sneaker collecting.

42:24 – 43:55: How to get started with PocketSmith and its human-centered approach.

Resources

Jason Leong's Linkedin - https://www.linkedin.com/in/jasonleong/

PocketSmith - https://www.pocketsmith.com/

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Diminishing Wealth Inequality: Michael Ragavan on Transforming Home Ownership with Our Leg Up

Wed, 29 Jan 2025 06:00:00 +1000

Episode Summary

In this episode of the Fintech Fun podcast, Chris Titley chats with Michael Ragavan, founder of Our Leg Up, a revolutionary financial service aiming to tackle wealth inequality by making homeownership more accessible. Michael shares how Our Leg Up enables aspiring homeowners to purchase properties with just a 5% deposit, eliminating the need for lenders' mortgage insurance and providing competitive interest rates.

He discusses the platform’s unique partnership model that connects equity-rich investors, banks, and aspiring homeowners, all while mitigating financial risks. Michael also touches on the challenges of educating the market, the role of partnerships in scaling, and the company’s global aspirations. Tune in to hear how Michael’s innovative approach is redefining the Australian dream of homeownership and how AI is playing a role in streamlining the process.

Key Takeaways

00:00 - 00:17: Introduction and Michael’s live check-in from Mexico.

00:17 - 01:07: Origins of Our Leg Up – Tackling wealth inequality and barriers to homeownership.

01:07 - 01:47: The changing landscape of the Australian dream and how Our Leg Up fits in.

01:47 - 02:48: The unique partnership model connecting investors, banks, and aspiring homeowners.

02:48 - 03:25: Investor benefits and how returns are structured.

03:25 - 04:26: Geographic reach and the potential for global expansion.

04:26 - 05:43: Risk mitigation and preparedness for economic shocks.

05:43 - 06:41: Building and scaling the business with a lean team.

06:41 - 07:57: Scaling through partnerships and educating the market.

07:57 - 08:48: Leveraging AI for customer support, risk assessment, and productivity.

08:48 - 11:02: Personal interests: Soccer, drumming, and FIFA on PlayStation.

11:02 - 11:46: Looking ahead: Plans to support 50-100 property purchases in 2025.

11:46 - 12:23: Funding milestones and goals for growth in 2025.

Resources Mentioned

Our Leg Up: Platform enabling aspiring homeowners to purchase property with a 5% deposit.

AI in Financial Services: Used for risk assessment, customer support, and secondary analysis.

Basel III Framework: Underpinning the scalability of Our Leg Up across 100+ countries.

Carnatic Drums: Michael’s early foray into music and stress relief.

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How Beforepay is Disrupting Lending with Jamie Twiss, CEO of Before Pay Group

Wed, 22 Jan 2025 06:00:00 +1000

Episode Summary

In this episode of the FinTech Fun podcast, Chris Titley interviews Jamie Twiss, CEO of Before Pay Group. Jamie dives into Beforepay’s innovative approach to short-term lending and its mission-driven model that offers Australians a transparent, ethical alternative to predatory payday loans. He also discusses the company’s enterprise software arm, Carrington Labs, and its expansion into the U.S. market. Jamie shares insights on the role of AI and machine learning in credit decisions, the challenges of scaling automation, and how Beforepay has become a lifeline for Australians facing unexpected expenses. Tune in for a mix of fintech innovation, personal stories, and a touch of Russian literature!

Key Takeaways

00:00 - 01:28: Introduction and Beforepay 101 – How it started and its two business arms.

01:28 - 02:52: Addressing small, short-term financial needs with a mission-driven model.

02:52 - 03:53: Automated processes and personalized repayment schedules.

03:53 - 05:46: Managing credit risk ethically and balancing profitability.

05:46 - 07:27: Customer insights: Coping with inflation and the spectrum of financial needs.

07:27 - 09:41: Carrington Labs – Expansion into the U.S. and global opportunities.

09:41 - 11:03: Launching new personal loan products and their market impact.

11:03 - 14:25: Using AI and machine learning to enhance credit decision-making.

14:25 - 16:00: Jamie’s personal interests – From Russian literature to marathon running.

Resources Mentioned

Beforepay App: Offering quick, short-term pay advance solutions with a flat 5% fee.

Carrington Labs: Enterprise software arm licensing advanced credit decision-making tools.

Russian Literature: Jamie's passion for classics that explore the human experience.

Sydney Marathon: Jamie’s yearly running challenge.

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From Coffee Shop to Global Fintech: The Airwallex Journey with Matthew Sek

Wed, 13 Nov 2024 06:00:00 +1000

Episode Summary

In this episode of the Fintech Fun podcast series, host Chris Titley sits down with Matthew Sek, Vice President for Airwallex Australia and New Zealand. Matthew shares the intriguing origin story of Airwallex, which began as a coffee shop in Melbourne facing challenges with international supplier payments. This real-world problem led to the creation of a global fintech company dedicated to providing financial solutions for small and medium-sized businesses (SMBs). They discuss Airwallex's suite of products, including FX services, global payouts, corporate cards without international transaction fees, and spend management tools. The conversation highlights the increasing globalisation of SMBs, the importance of educating businesses on available financial tools, and how Airwallex is helping save time and money for its clients. Matthew also touches on the company's significant growth, the challenges of building trust in the financial sector, and shares personal insights into his work-life balance and unique hobby of frequent flyer point hacking.

Key Takeaways

00:21 – Airwallex's origin: From a Melbourne coffee shop to fintech innovation

02:06 – The importance of being a global company and trends in international business transactions

03:55 – Overview of Airwallex's product suite and prioritization

05:21 – Future plans: Introducing lending products and credit cards

06:01 – Insights from the Spend Management Report and challenges faced by SMBs

07:28 – The necessity of educating SMBs about available financial tools

09:58 – The value of time savings for SMBs and the impact on productivity

13:19 – Airwallex's growth journey and Matthew's experience within the company

14:52 – Building trust in financial services and the fintech industry

15:49 – Matthew's personal life: Balancing work with family and travel

17:38 – Hobby spotlight: Frequent flyer point hacking

19:49 – Closing remarks and final thoughts

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From Idea to Market Leader: The Easy Crypto Journey with Janine Grainger

Wed, 30 Oct 2024 06:00:00 +1000

Episode Summary

In this episode of the Fintechfun Podcast, Chris Titley interviews Janine Grainger, founder and CEO of Easy Crypto. Janine shares the story of how Easy Crypto was founded in 2017 by her and her brother in New Zealand, aiming to simplify access to cryptocurrencies. She discusses the challenges they faced, including the regulatory landscape, rapid market changes, and the integration of new technologies. Janine also talks about the company’s growth trajectory, pivotal moments like their record-setting capital raise in 2021, and their expansion into Australia. With insights into their product development strategy and the complexities of the cryptocurrency market, Janine also delves into the importance of customer education and protection against scams. The episode provides a comprehensive look into the founding and growth of Easy Crypto and Janine’s perspectives on cryptocurrency trends and market dynamics.

Key Takeaways

00:00 Introduction to the Fintechfun Podcast

00:13 The Birth of Easy Crypto

01:13 Cryptocurrency in 2017: A New Frontier

01:36 Navigating the Early Challenges

02:43 Expansion and Growth

04:49 The Evolution of Cryptocurrency

05:34 Managing a Diverse Portfolio

07:37 Building a User-Centric Product

08:18 Market Dynamics and Trading Insights

10:01 Education and User Protection

11:29 Future Aspirations for Easy Crypto

12:21 Balancing Work and Personal Life

15:08 Conclusion and Final Thoughts

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Andrew Butt Discusses Enable's Global Growth and Rebate Management

Wed, 16 Oct 2024 06:00:00 +1000

Episode Summary:

In this engaging episode of Fintech Fun, host Chris Titley sits down with Andrew Butt, co-founder and CEO of Enable, a leading B2B SaaS platform in the supply chain sector. Andrew shares his journey from the initial conceptualisation of Enable to becoming a globally recognised software solution, highlighting the company's unique approach to managing incentive agreements and rebates for retailers, distributors, and manufacturers. As Enable continues to expand its footprint in the Australian market, this episode delves into the company's history, growth, and future plans.

Enable has created a new software category through innovative rebate management solutions, capturing significant global market share. Andrew discusses how the company bootstrapped its way to securing initial clients and subsequently raised series A through D funding from prestigious venture capital firms like Menlo Ventures, Norwest Venture Partners, and Lightspeed. He explains the role of rebates in driving revenue and margin improvement within supply chains, emphasising the vast potential and ROI Enable provides to its clients. Andrew also touches on developing AI features to enhance the platform, ensuring Enable maintains its cutting-edge position in the industry.

Key Takeaways:

• Emergence of Rebate Management as a Software Category: Enable is pioneering a relatively new software category focused on managing incentives and rebates within supply chains, demonstrating a significant global demand.

• Significant ROI for Clients: Enable’s platform offers substantial ROI for businesses by optimizing rebate agreements and uncovering previously untracked revenue.

• Global Expansion and Funding: Enable has successfully expanded internationally, supported by significant investment rounds from top-tier venture capital firms.

• AI Integration Plans: AI is a key focus for Enable, with plans to integrate it further into their platform to provide more substantial insights and optimization capabilities.

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Caroline Bowler Discusses BTC Markets and Crypto Trends

Tue, 03 Sep 2024 20:00:00 +1000

Episode Summary:

In this episode, Chris Titley is joined by Caroline Bowler, the CEO of BTC Markets, to discuss the evolution and current status of Australia's leading crypto exchange. They dive into Caroline's extensive background in traditional finance and how it has shaped her approach to driving innovative solutions in the digital assets space.

BTC Markets, which has been pioneering the Australian cryptocurrency space for over eleven years, distinguishes itself by prioritizing security and localized solutions for the Australian market. The conversation highlights BTC Markets' stability and reliability, especially during turbulent times like the FTX collapse. Caroline emphasizes the importance of staying ahead in the rapidly converging fields of traditional finance and digital assets, highlighting the role of major financial institutions in adopting blockchain technologies globally. BTC Markets continues to innovate, with plans to offer staking and expand into international markets like the UAE.

Key Takeaways:

BTC Markets is an eleven-year-old, Australia-based cryptocurrency exchange known for its stability and trusted by early adopters.
Caroline Bowler has a solid background in traditional finance, which she leverages to guide BTC Markets.
There is a growing trend of traditional financial institutions adopting blockchain technology.
BTC Markets plans to introduce staking services and explore international markets, focusing on security and tailored solutions for Australian users.
Despite international competition, BTC Markets retains a loyal Australian customer base by understanding and meeting local market needs.

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Anton Phillips-Chantelois Discusses Delay Pay's Impact on Farming Finance

Tue, 20 Aug 2024 20:00:00 +1000

Episode Summary:

In this episode of the Fintech Fun podcast series, host Chris Titley engages in an enlightening discussion with Anton Phillips-Chantelois, CFO of DelayPay, about the unique challenges and opportunities in providing financial services to the agricultural sector. Broadcasting live from New Zealand, Anton shares insightful details about DelayPay’s innovative approach to addressing the seasonal financial needs of farmers through a customized buy now, pay later platform.

Throughout the episode, Anton delves into the specifics of DelayPay's offerings, the market size, and its competitive landscape. He describes how DelayPay facilitates transactions ranging from $10,000 to $500,000 with a swift and straightforward process, emphasizing the solution's versatility and the high user retention rate among its clients. Anton also discusses the significant $16 million capital raise aimed at expanding DelayPay’s reach and enhancing its offerings. By highlighting key industry trends and potential areas for technological integration, Anton paints a comprehensive picture of the future of agricultural finance.

Key Takeaways:

Targeted Financial Solutions: DelayPay caters specifically to farmers, addressing the unique financial gaps caused by the seasonality of the farming industry.
Flexible Transaction Sizes: Funding options ranging from $10,000 to $500,000, with an average transaction size of $35,000, ensure that various farming needs are met promptly.
High User Retention: With 75% of customers returning annually, DelayPay’s simplicity and reliability foster strong client loyalty.
Rapid Funding Delivery: From application to funding, DelayPay completes transactions within 24 hours, providing immediate financial solutions for urgent opportunities.
Strategic Capital Raise: The recent $16 million capital infusion underscores investor confidence and sets the stage for further growth and development.

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Vakul Talwar Discusses Crypto.com's Growth and Innovations in Australia

Tue, 06 Aug 2024 20:00:00 +1000

In this episode of Fintechfun, host Chris Titley speaks with Vakul Talwar, General Manager of Australia and Head of Product for Trading at Crypto.com. This insightful discussion covers Vakul's professional journey, his experiences at notable fintech companies such as General Electric, PayPal, and Afterpay, and his current initiatives at Crypto.com. Vakul elaborates on the importance of the Australian market for Crypto.com and highlights the ways the company is fostering crypto adoption locally.

The conversation delves into the burgeoning adoption of cryptocurrencies, with Vakul sharing fascinating insights on trends, market growth, and emerging products like staking and ETFs. He touches upon Crypto.com's innovative solutions, such as their integration with local merchants and stadiums to enable cryptocurrency payments. Towards the end, Vakul shares a bit about his personal life, underlining the balance between his professional responsibilities and personal interests, particularly his fondness for footy and quality time with his family.

Key Takeaways:

Future Goals: Continued innovation and solving consumer problems remain paramount for Crypto.com as they aim to introduce new products and expand their user base in Australia.
Professional Journey: Vakul Talwar's extensive background across global fintech companies has equipped him with unique insights and leadership skills, currently utilized at Crypto.com.
Crypto Adoption in Australia: Australia is one of Crypto.com's key markets owing to the high interest and investment in cryptocurrencies among Australians.
Innovative Crypto Solutions: Crypto.com's initiatives like staking, crypto payments via a Visa card, and partnerships with merchants showcase their commitment to integrating cryptocurrency seamlessly into everyday life.
Market Trends: The approval of Bitcoin ETFs by the SEC has been a significant catalyst for retail adoption, with growing interest expected to push the global user base towards a billion consumers.

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Fintech founder discusses launching Instantia and managing FX market risks

Tue, 16 Jul 2024 20:00:00 +1000

Episode Summary:

In this episode of Fintechfun, host Chris Titley chats with Danny Pezeshki about the origins of Instantia, the challenges in the foreign exchange market, and the innovative technology they have developed to help clients manage FX volatility risk. Danny shares insights into the impact of options in the market, the launch of their platform, and their plans for expanding globally.

Danny Pezeshki discusses the importance of technology in revolutionising the way clients manage their FX portfolios and the visual tools Instantia has developed to provide clients with a better understanding of their positions. With a focus on transparency and risk management, Instantia aims to empower businesses to navigate the complexities of the foreign exchange market.

Key Takeaways:

Instantia helps businesses manage FX volatility risk through innovative technology solutions.
Options play a significant role in securing profits for clients in import-export industries with tight margins.
The platform developed by Instansia offers clients visibility into their FX portfolios and allows them to assess potential risks and protections.
Expanding globally, Instansia has obtained licenses in Singapore and aims to establish a presence in the UK.
Technology-driven tools are crucial in enhancing client understanding and decision-making in the foreign exchange market.

Notable Quotes:

"Clients get given position statements sent to them daily, which are very complicated to read...The ability to create that for the clients has made a huge difference so far for us." - Danny Pezeshki
"I'm playing myself and I'm just trying to continually better myself every time...I'm not playing against anybody else." - Danny Pezeshki

Resources:

Instantia Website

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Anson Parker discusses the innovative journey of Up's products

Tue, 02 Jul 2024 20:00:00 +1000

Episode Summary:

In this episode of Fintechfun, Chris Titley chats with Anson Parker, the Chief Product Officer at Up, about his journey in the fintech industry and the evolution of Up as a leading digital banking platform. From the early days of conceptualizing a new kind of banking experience to the current focus on innovative features like “pull to save” and the upcoming subscription offering “Up High,” Anson shares insights on how Up is redefining the future of banking.

Key Themes Discussed

Anson’s background in software development and the founding of Up.
The importance of user feedback and balancing creativity in product development.
The introduction of unique features like “pull to save” and “Maybuy” to enhance the banking experience.
The upcoming subscription offering “Up High” and its potential to revolutionize banking fees and customer benefits.

Key Takeaways

Anson’s journey from software development to reimagining the banking industry with Up.
The focus on user-centric product development and the balance between innovation and customer feedback.
The impact of features like “pull to save” and “Maybuy” in creating engaging and personalized banking experiences.
The introduction of the subscription offering “Up High” as a new way to provide additional value and benefits to customers.
The importance of transparency, collaboration, and customer engagement in shaping the future of banking.

Notable Quotes:

“The experience is the product. It’s not about the financial products, it’s about what those do for people and how they relate to them.” - Anson Parker
“Can we make something compelling enough that customers choose to pay for it? It’s effectively flipping the idea of bank fees on its head.” - Anson Parker

Resources:

Upbank Website

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Hutly: Solving Real Estate Challenges with Smart Contracts with Jeremy Hastings

Tue, 18 Jun 2024 20:00:00 +1000

Episode Summary:

In this episode of Fintechfun, host Chris Titley delves into Jeremy Hasting's journey from the food industry to the founding of Hutly, a fintech company revolutionising real estate transactions. From tackling the challenges of property management to implementing smart contracts for more efficient processes, Jeremy shares insights on navigating the dynamic landscape of the real estate market. The discussion also touches on Hutly's strategic partnerships and plans for future growth, including the integration of new technologies and services.

Key themes explored include the impact of COVID-19 on the real estate market, the role of Hutly in streamlining real estate transactions, and the intersection of prop-tech and fintech in driving innovation and efficiency in the industry.

Key Takeaways:

Hutly's inception stemmed from Jeremy's personal experiences with property management challenges and a vision to provide safe and stable homes for all individuals.
The company's shift towards smart contracts and web-based technology has enabled a more efficient and compliant approach to real estate transactions.
Strategic partnerships, such as the collaboration with the Real Estate Institute of Victoria (REIV), have fueled Hutly's growth and success in the market.
Hutly's expansion into new services like Hutly Pay showcases the company's commitment to addressing inefficiencies in real estate transactions and enhancing user experience.
Jeremy's involvement in coaching AFL for Under Nines highlights his dedication to community engagement and fostering positive interactions beyond the business realm.

Notable Quotes:

"Everybody deserves a safe, stable, and certain home, no matter what their circumstances are." - Jeremy Hastings
"Hutly is more of a fintech company than a prop-tech, and the activation of payments on the back of our contract volume is the next step." - Jeremy Hastings
"We've just hired a general manager of growth and a business development manager. Now, it's time to invest in that growth." - Jeremy Hastings
"The strategic partnership with REIV has increased subscriber base by 47% and revenue by 26%, focusing on member-first technology." - Jeremy Hastings
"I feel obligated to support Melbourne Demons due to family connections and the strong community culture of AFL." - Jeremy Hastings

Resources:

Hutly Website
Real Estate Institute of Victoria (REIV)
PropertyData.com.au
Morningside Panthers AFL Club

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Co-Operty Co-Founder Lynda Coker Discusses Co-Ownership and Housing Affordability

Tue, 04 Jun 2024 20:00:00 +1000

Episode Summary:

In this engaging episode of Fintechfun, Chris Titley welcomes Lynda Coker, the innovative co-founder of Co-Operty, to discuss the evolution of her career and the inception of her groundbreaking venture. Linda offers a glimpse into her journey, detailing her transition from the structured world of corporate finance to the dynamic realm of startups.

Following her return to Australia and a trip around the world's vibrant startup hubs, Lynda sheds light on the significance of co-ownership in today's housing market. Co-Operty, her venture co-founded with Liz Rochaix, embodies a solution that grants people collaborative pathways to property ownership. Lynda describes the legal and fractional aspects of co-ownership, tenancy in common, and the importance of having flexible property investment strategies.

Key Takeaways:

Lynda Coker's extensive background in financial services and venture investment has culminated in the launch of Co-Operty, a fintech platform aiming to make co-ownership of property straightforward and accessible.
Co-ownership is posited as a viable solution to the housing affordability crisis, with tenancy in common providing a more flexible and protective form of property ownership.
Co-Operty's MVP primarily targets cohorts such as flatmates, friends, family, and parents seeking to assist their children into the property market, often referred to as the 'Bank of Mum and Dad'.
Partners such as mortgage brokers play a crucial role in Co-Operty's engagement strategy, helping inform product development tailored to the needs identified at the forefront of the housing market.
Lynda aspires to expand Co-Operty's offering, envisioning the evolution of their MVP to address broader use cases, white-label services, and potentially the introduction of a fractional loan product.

Notable Quotes:

"Co-ownership is a real...well, it's not the only solution, but we see it as a solution to address housing affordability." – Lynda Coker
"I just feel like it's never been very well understood. It's not being digitized, and it's time to sort of empower it and bring it to life..." – LLynda Coker on co-ownership.
"...it's a better way to help your children and actually help yourself or selves is not gifting the money and co-owning the property." – Lynda Coker on parents investing in property with their children.
"We want to use this phase to really sort of test and learn." – Lynda Coker on Co-Operty's launch and beta phase.
"One place I missed off...and I would love to go back to is the Galápagos." – Lynda Coker

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Daniel Kniaz, Founder of Weel, Discusses the Journey and Future of the Fintech Startup

Tue, 21 May 2024 20:00:00 +1000

Episode Summary:

In this episode of Fintech Fun, host Chris Titley invites Daniel Kniaz to take us through the genesis and evolution of his company Weel, formerly DiviPay. The discussion begins with an exploration of the early days and the iterative process which led to their current business model. The episode offers listeners a glimpse into the world of Australian fintech innovation, capturing both the struggles and triumphs of a startup journey.

Daniel shares valuable insights into the initial concept of DiviPay and the subsequent pivot due to Weel after scalability and monetisation challenges. The narrative shifts focus to Weel's current mission: resolving SMB spending-related inefficiencies and facilitating seamless expense management.

Chris and Daniel's conversation provides a look into the ethos of a fintech founder, the strategic thinking behind pivots in business models, and the shaping of a tech product amidst a changing financial landscape.

Key Takeaways:

Daniel Kniaz's journey with Weel highlights the importance of listening to customer needs and adapting business models to meet market demands.
Weel, born from DiviPay, serves to alleviate SMB spending and employee reimbursement pains by streamlining payment workflows and expense reporting.
Successful scaling and market fit are achieved by offering a product that assists businesses in tighter financial control during challenging economic climates.
The rebranding journey from DiviPay to Weel underscores the relevance of strategic name and positioning in the evolving fintech industry.
Kniaz outlines the future direction for Weel, emphasising both the expansion into new payment types and the enhancement of pre and post-payment workflows.

Notable Quotes:

"When we reflect on, on the why behind that and we look at our customers, what's interesting is because of the broader macro environment, customers know that they need to keep a really tight eye and control on how they're spending company funds."
"We've kind of been a product that solves a problem within what's going on in the broader macro."
"Our focus is really two parts. First part is giving SMBs access to all different payment types. And the second piece that we really focus on from a product perspective is adding value in the workflow around that payment."

Resources:

Weel website
H2 Accelerator program
Stone and Chalk coworking and innovation space

Volt: Connecting Real-Time Payments Around the World in One Integration with Jordan Lawrence

Tue, 07 May 2024 20:00:00 +1000

Episode Summary:

In this episode of the Fintechfun podcast series, Chris Titley hosts Jordan Lawrence, co-founder of Volt, to discuss the revolutionary platform that is poised to streamline real-time account-to-account payments across the globe. Jordan shares the origins of Volt, its mission, and the impact it has in various international markets.

Volt’s inception coincided with the advent of open banking in Europe, tackling the challenge of integrating diverse payment methods under one umbrella. Jordan Lawrence exemplifies this by detailing Volt's progress in Brazil with the payment method PiCs, which has significantly sped up transaction times for merchants. Moreover, Lawrence provides insight into the nuances of payment adoption in Australia, highlighting the hurdles and potential for merchant-driven push towards real-time payments.

Key themes in this conversation revolve around the influence of worldwide monetary systems, the emergence of innovative payment solutions, and Volt's ambitious plans for expansion. Lawrence expertly weaves through the intricacies of financial transactions, merchant benefits, consumer transparency, and Volt's visions for the future—including the potential issuance of local bank accounts across 50 countries.

Key Takeaways:

Volt has pioneered the integration of real-time, account-to-account payment methods internationally, beginning in Europe and expanding to Brazil and beyond.
Merchants significantly benefit from immediate transaction completion and reduced fees compared to traditional card schemes.
Consumer adoption in Australia remains slow, yet increasing due to merchant incentives and changing behaviours, particularly among younger demographics.
Volt's expansion is set to reach around 50 countries, potentially offering the issuance of local bank accounts to facilitate international payments for merchants.
Jordan provides personal insights on his global living experiences and shared travel tips, including the importance of booking seats in advance and managing jet lag.

Notable Quotes:

“Our first foray outside of Europe was Brazil. We have an office in Sao Paulo. We process pics down there. PiCs is the equivalent of your guys kind of Pay ID and it's gone really, really well.”
“So merchants in Australia who've got international ambitions can plug into us, use the MPP products, but also we can act as merchant record in the other countries and actually process these account to account payments for them there as well.”
“Repeat customers at the checkout using vault is around 36%. So that means 36% of people who use vault once will use it again, which is, I think, a really good sign.”
“I think for the merchants side, they love it. From the consumer side, there's a way to go on the UX from the banking side of things.”
“By then we'll be in around 50 countries... The ability for Volt to be able to issue accounts locally to merchants and psps, collect the funds locally and start remitting the money around the world as well.”

Pat Dalton - IGoDirect Group

Mon, 18 Mar 2024 23:00:00 +1000

Stereo Mix podcast series is re-initiated in 2024 with Chris Titley hosting Pat Dalton, COO and founder of iGoDirect Group.
iGoDirect Group specializes in data-driven marketing and propensity modeling, identifying valuable insights within large datasets for marketing purposes.
The company originated from a need for specialized data-driven marketing in the early '90s, leading to the development of new strategies and data models for marketing campaigns.
In 2004, iGoDirect innovated by introducing branded prepaid Visa cards in direct mail packs to the Australian market, enhancing marketing response rates.
iGoDirect was named for its direct approach to working with brands and agencies, aiming for more effective marketing outcomes.
Over 20 years, i iGoDirect has evolved to serve ASX-listed companies, focusing on customer acquisition, nurturing, and re-engagement using prepaid gift cards and incentives.
The company has seen increased engagement with loyalty programs, especially during the COVID-19 lockdowns and the subsequent cost-of-living crisis.
iGoDirect has been granted a Visa Principle Partnership license, allowing them to issue their own Visa products in Australia and New Zealand.
They have also obtained an Australian Financial Services license, enabling them to innovate further in the gift card and loyalty program space.
iGoDirect is introducing a web-to-wallet gift card service, removing the need for app downloads and streamlining the customer experience.
The company is exploring new use cases for their services, including instant gift card distribution for promotions and enhancing brand loyalty.
Pat Dalton advises entrepreneurs to back themselves, especially during challenging times, as perseverance leads to innovation and solutions.
iGoDirect 's future focuses on card linking and leveraging scheme cards for loyalty programs, aiming to reduce friction in customer engagement.

Chris Chardon - November 2023

Wed, 15 Nov 2023 23:00:00 +1000

In this episode - I chat with Chris Chardon about many topics - mainly CDR, Mortgage Broking as well as his next startup! Lot's of learnings as well as his views on the current property environment!

Tom Ferrier - Greener November 2023

Sun, 12 Nov 2023 23:00:00 +1000

In today's episode we chat with Greener around how they want to assist 2.5m businesses not only save money but also help the planet. Greener for business is now live, and Tom goes in to the detail around how businesses can explore these savings and some examples.

Melissa Donnelly - Affinity Communications

Tue, 13 Jun 2023 23:00:00 +1000

Today we chat to Melissa Donnelly from Affinity Communications. The firm is a strategic communications agency for businesses that are serious about growth or transformation. Their clients want expert advice to help them find and amplify their voices.

Melissa and I chat about the importance of branding, trust, integrity as well as some tips for fintech founders.

We also chat about her cooking!

Brian Pham - Litecard

Thu, 08 Jun 2023 23:00:00 +1000

Today's episode is with Briam Pham from Litecard. Litecard is helping leading brands across the world generate more sales, increase membership and license renewals and make marketing more effective.

In this episode we chat about the history of the business, the progress and the future plans - as well as Brian's table tennis prowess!

Fintechfun is produced by Sub11. Sub11 is a joint venture between Chris Titley and Euphemia (Investment partner) telling stories of Australian fintechs and founders whilst using broader content as the catalyst to enable fintech companies to grow.

Stuart Alsop - Head of Sales at intelliflo Australia

Sun, 04 Jun 2023 23:00:00 +1000

Today we chat to Stuart Alsop - Head of Sales at intelliflo Australia via a call.

Stuart talks about what intelliflo is , the background and why it has entered Australia recently.

He also talks about the macro landscape, the threats, the opportunities as well their vision.

The information is prepared by Sub11 Pty Ltd ACN: 658 287 220 CAR: 001301214, who is an authorised representative of Cache Investment Management Ltd (ACN 624 306 430 AFSL 514 360) (Cache). All information is general information only and does not take into account your personal circumstances, financial situation or needs.

Syfe - Tim Wallace, General Manager & Country Head of Syfe Australia

Wed, 31 May 2023 23:00:00 +1000

In this Interview we chat to Tim Wallace from Syfe - Tim talks about who Syfe is - the background, the progress, the reason for launch in Australia as well as some of their future plans!

The information in this website is prepared by Sub11 Pty Ltd ACN: 658 287 220 CAR: 001301214, who is an authorised representative of Cache Investment Management Ltd (ACN 624 306 430 AFSL 514 360) (Cache). All information is general information only and does not take into account your personal circumstances, financial situation or needs

Pascale Heylar-Moray, Founder and CEO of Super Rewards

Tue, 23 May 2023 23:00:00 +1000

"Promoting Super is about as exciting as promoting a dead fish"

Today we chat to Pascale Heylar-Moray, Founder and CEO of Super Rewards who gives an update of her company.

Andrew Ellett : Co-Founder - HelpPay

Tue, 25 Apr 2023 23:00:00 +1000

Today we chat to Andrew Ellett from HelpPay. With HelpPay you can turn any bill into a shareable link that makes it super easy for anyone to help you pay it. Andrew discusses how the idea came about, the transition to full time, the traction, the use cases and the future.

Fintechfun is produced by Sub11. Sub11 is a joint venture between Chris Titley and Euphemia (Investment partner) telling stories of fintechs and founders whilst using broader content as the catalyst to enable fintech companies to grow. For more information www.sub11.com.au

Ben Gleisner - Cogo

Mon, 10 Apr 2023 23:00:00 +1000

Cogo is a carbon footprint management product that helps individuals and businesses to measure, understand and reduce their impact on the climate. Cogo does this through partnerships with some of the world's largest banks to integrate leading carbon-tracking functionality into their banking apps.

Cogo uses best-in-class models to provide accurate ways to measure carbon emissions specific to local markets and cutting edge behavioural science techniques to nudge customers to make more sustainable choice.

Dan Rutter and Josh Lehman - Digital Surge - Australian Crypto Exchange

Mon, 27 Mar 2023 23:00:00 +1000

In today's podcast we chat to Dan Rutter and Josh Lehman from Digital Surge.

In this episode we talk about the history of the business, the FTX saga, Voluntary Administration, the process to rescue the company and version two of the company.

Mark Calabro - Hungry Hungry

Thu, 23 Mar 2023 23:00:00 +1000

Today we chat with Mark Calabro from Hungry Hungry - we talk all things hospo, fintech, POS and AI!

Justin O'Donnell - CEO of Doshii

Wed, 08 Feb 2023 23:00:00 +1000

In the 2nd episode of Fintechfun for 2023 we are joined by Justin O'Donnell from Doshii. Justin talks about his story at CBA travelling the world to now building Doshii. Justin talks about the importance of Data, partnerships and ease of signing up. Doshii has grown 100% year on year for multiple years.

Jamie Twiss - CEO of ASX Listed Beforepay

Tue, 07 Feb 2023 23:00:00 +1000

The first episode of 2023 is Jamie Twiss from Beforepay.

Jamie talks about the past, present and future prospects of the company - with over 200,000 active users now as well as his personal challenge with Vegemite being from the United States.

Gaby Rosenberg - Blossom

Tue, 10 Jan 2023 23:00:00 +1000

Today we chat to Gaby Roseberg in the first podcast of 2023 about Blossom!

Gaby delves in to the history of Blossom, the problem she is solving and her future plans - as well as her love of hiking!

Charlie Karaboga from Blockearner

Thu, 15 Dec 2022 23:00:00 +1000

Today we catch up with Charlie Karaboga from Blockearner. Block Earner is an Australia-based FinTech powered by blockchain technology.

Charlie talks about the Origins, the history of the business, recent events as well as their global ambitions.

Justin Soong - Authsignal

Tue, 06 Dec 2022 22:00:00 +1000

Justin Soong - Founder at Authsignal joined Chris Titley for a chat about the company, the vision, the market at the moment for cyber security 😬 and how they are intertwined with fintech!

For more information visit : www.sub11.com.au

George Wang from AYLA

Tue, 29 Nov 2022 23:00:00 +1000

George joined the fintechfun chat today to talk about AYLA. "All your life Admin". George identified a problem early on about Life admin and took it in to his own hands to do something about. We chat about George's journey - the ups the downs and the challenges as well as why he is excited to take the business global.

For more information visit : www.sub11.com.au

Tom Ferrier - Greener

Tue, 29 Nov 2022 23:00:00 +1000

In today's episode we chat with Tom Ferrier from Greener.

Greener makes it easy to reduce your impact every time you spend by connecting you with brands doing better for the planet, and offsetting the carbon emissions of your purchase at no extra cost.

Tom chats about the last 5 years, what drives him every day, the recent investment by NAB Ventures and others, the outlook for consumer brands and loyalty.

We also talk about what Tom does in his dowtime , which includes coming back to his home town of Brisbane.

For more information visit : www.sub11.com.au

Matt Cagney - Renewtrak

Mon, 28 Nov 2022 23:00:00 +1000

Today we chat to Matt Cagney from Renewtrak.

Renewtrak is an automation platform that connects the global tech industry to power the renewals and subscription economy.

Matt talks about the global opportunity for large organisations to harness the power of Renewtrak and why it's so important and was important in the days when he was with Afterpay.

Matt also talks about the journey of being global and how the company is scaling fast.

Matt spent many years with ASX listed Touchcorp then Afterpay before joining Renewtrak as CEO in May of 2020.

For more information visit : www.sub11.com.au

Gabor Szekernyes - apxium NY landing pad edition

Mon, 21 Nov 2022 23:00:00 +1000

In a very special series we chat to Gabor Szekernyes - apxium about the recent NY Fintech landing pad program.

Gabor talks about the history of apxium, where they fit in to the ecosystem, why they applied for the program, how they found NY as well sharing some future international plans.

Please note there are a few minor internet hiccups in this interview -so bear with it - as the majority of the interview is clear.

Nick Boudrie - CEO and Founder of LAB Group

Fri, 18 Nov 2022 23:00:00 +1000

With continuous improvement through compliance monitoring, advanced analytics and implementations globally, LAB technology evolves to meet the constantly changing Know Your Customer and Compliance demands of regulators.

Why LAB group exists 🔐
The importance of minimilist information 🗂️
Marrying up records to join the dots ⡟
The boat, scuba diving and landing planes ⛵️🆔

For more information visit : www.sub11.com.au

Sam Thompson - Savoir

Thu, 17 Nov 2022 23:00:00 +1000

In today's episode we chat with Sam from Savoir about his journey, the application use of the blockchain, recent events as well as how Savoir are attacking various modules within different verticals.

For more information visit : www.sub11.com.au

Not as many bells 🔔 and whistles 😗

Thu, 17 Nov 2022 23:00:00 +1000

So as we hit 30 plus episodes and to scale to 100 plus we will be uploading the recordings straight away (where possible) to really make an impact - and at the same time we won't be spending time (and money) editing them to ensure we can maintain the volume as well as free up time for very special projects coming soon...🤫

Danny Tyrrell and Michael Bridgeman Co-founder of DataCo

Mon, 07 Nov 2022 23:00:00 +1000

DataCo Technologies unlocks valuable data partnerships between organisations. The DataCo Collaboration Platform, which incorporates the latest privacy and data protection technologies, was built with future-proofing in mind and reflects recommendations from privacy and data regulators around the globe.

How does sharing of data work? 🔐
Accelerating partnerships - small, large companies and anything in between 🤝
We talk consent 🎟, importance of speed and data science
Brazilian jiu jitsu 🤷 and Bluey Episodes 📺

For more information visit : www.sub11.com.au

Karl Mohan - GM APAC for Crypto.com

Tue, 01 Nov 2022 19:45:00 +1000

Trade crypto anytime, anywhere on Crypto.com

What is crypto.com and why it exists🔬
The local market here and the opportunity 🦘🇦🇺
Buying coffee with Crypto ? ☕️
Marathons , 4 languages and family life 🏞

For more information visit : www.sub11.com.au

Ian Parke, MD and CEO of FIN-PAY

Tue, 11 Oct 2022 00:00:00 +1000

FIN-PAY takes the pain out of payments. We own the heavy lifting of bank relationships and compliance, and partner with card networks and consumer wallets.

What's been happening at FIN-Pay recently 🔬
Payments 101 and how to buy a coffee ☕️
The US market 🇺🇸 and the opportunity
Family Life 🏃 and "Mama Taco" 🌮 at West End

For more information visit : www.sub11.com.au

Christian Eckelmann, CEO and Co-founder of Upstreet

Mon, 10 Oct 2022 23:00:00 +1000

Upstreet offers you automatic fractional share rewards with each purchase you make.

Balancing Family Life and Upstreet ⚖️
The idea of Upstreet taking on the world 🌎
Loyalty/Shares and everything in between 🗂
Handball v Football 🤾🏻‍♂️🥅

For more information visit : www.sub11.com.au

Tim Poskitt - Country Manager ANZ Envestnet Yodlee

Thu, 06 Oct 2022 23:00:00 +1000

Envestnet | Yodlee delivers solutions that help consumers live better financial lives.

PODCAST SNIPPETS 🎧

The excitement of Open Banking 🏦
Embedded finance and empowerment 📈
Are you excited about Australian Fintech ? 🤔
Open Water Swimming 🏊 and Vanuatu 🗺 calling

For more information visit : www.sub11.com.au

Paul Weingarth , CEO and Co-founder of Slyp

Tue, 04 Oct 2022 23:00:00 +1000

Slyp smart receipts enables customers to pay with their bank card and automatically receive an itemised tax receipt inside their banking app.

PODCAST SNIPPETS 🎧

What is Slyp and why is it unique?
The smart receipt - and it's superpower 🎟
Loyalty cards - what's the future? 🧾
Sport, AFL, Rugby League and Esse Studios 👗

For more information visit : www.sub11.com.au

Yish Koh - MD of Kit

Thu, 29 Sep 2022 23:00:00 +1000

Kit is a kids money app and prepaid card to help your little grownups earn, save, spend, and learn.

PODCAST SNIPPETS 🎧

Who is Kit and what do they want to achieve ?💡
Yish's personal journey to Kit 🚙
Is it a Kids app or Parents app ? 📲
Bluey, babycinos and downtime ☕️ 🐶

Andrew Goodwin - CFO of Wisr

Sun, 18 Sep 2022 23:00:00 +1000

Wisr is an Australian non-bank lender offering consumer lending services.

PODCAST SNIPPETS 🎧

Personal Loans 101 and Wisr's position
The important of simplicity in Auto Loans 🚘
Growth v Profitability ⚖️
London, The Sydney food scene and keeping fit 🎾

Thanks again to Oakland – The go-to design studio for growing software companies- Check out their work and website here https://oakland.studio/

Pascale Heylar-Moray, Founder and CEO of Super Rewards

Thu, 15 Sep 2022 20:45:00 +1000

Save more super by shopping online and in store. With more than 1000 brands offering cashback through Super-Rewards, growing your superannuation is easy.

PODCAST SNIPPETS 🎧

How Pascale spotted a massive problem 💡
The success she had in allowing payments in to super ✅
Retail wins and the in-store opportunity 🛍
Travel destinations 🛫 and Stranger Things 📺

Thanks again to Oakland – The go-to design studio for growing software companies- Check out their work and website here https://oakland.studio/

Liam Millward, Co-founder of Instant

Tue, 13 Sep 2022 23:00:00 +1000

Instant is building the future of a frictionless economy, allowing you to purchase instantly, anywhere on the internet, in seconds.

PODCAST SNIPPETS 🎧

Liam's personal journey that led him to Instant 🏃
The importance of culture and teamwork 👏
How the raise allowed them to accelerate 📈
Airport Food - the winner is... 🌮

Matt Holme - Founder of Youpay

Wed, 31 Aug 2022 23:00:00 +1000

With YouPay you can safely and securely pick the gifts you want and share a YouPay link with your chosen payer.

"The way our product is used today , is quite different to how we thought it was used.."

PODCAST SNIPPETS 🎧

Behind the scenes of the "YouPay" aha moment 🐎
The use cases of "YouPay and gifting" 🛒
The importance for E-commerce managers 🏪
Cotton Tree 🗺 and Gambaros 🥩

For more information www.sub11.com.au

Al Wilkie - CEO and MD of Change Financial (ASX Code: CCA)

Wed, 31 Aug 2022 23:00:00 +1000

Change Financial aims to redefine payments and card issuing.

"We become effectively the issuer of the cards, and we recently signed , in the last 6 months...a 6 year exclusive arrangement with Mastercard for Australia and New Zealand.

PODCAST SNIPPETS 🎧

Who is Change and what do they do ? 🎬
The arrangement with Mastercard 🔗
Growth v Profitability ⚖️
Al's travels 🛫 and adventures 🍷

For more information www.sub11.com.au

Simone Joyce, Co-founder of Paypa Plane

Mon, 29 Aug 2022 23:00:00 +1000

Paypa Plane is the bank-grade platform where traditional scheduled payments and payment initiation via NPPA's PayTo meet.

"I think in 12 months time we will see a lot of growth in the current clients we have as well as some extra ones that we will be switching on over the next 6-9 months and really an uptick in the rollout and distribution of those products within those clients"

PODCAST SNIPPETS 🎧

Behind the scenes to setup Paypa Plane 🎬
The relationship with Tyro and CBA 🔗
The next twelve months 👀
Why she chairs Fintech Australia 👍

For more information www.sub11.com.au

Andrew Grech - CEO and Co-founder of Cryptospend💡

Sun, 28 Aug 2022 22:30:00 +1000

CryptoSpend bridges the gap between traditional finance and cryptocurrencies. They want to bring crypto to the masses.

"Cafes, restaurants and takeaway - in July was our biggest category in terms of spend ."

PODCAST SNIPPETS 🎧

Why Cryptospend exists 🛍
The partnership with Visa 💳
Rewards for spending crypto 💡
Andrew's golfing prowess⛳️

For more information www.sub11.com.au

John Winters, Co-founder of Superhero

Wed, 24 Aug 2022 05:00:00 +1000

Superhero is an online investing platform that allows customers to invest in Australian shares, U.S. shares, and ETFs.

"I think we had 50 or 80k left in the tin, we didn't have a product live, it was early in 2020, so you've just come out of Christmas and New year where everything sort of shuts down, and then the pandemic hit..and global markets crashed, APRA shut the gate on pretty much everything, everything stopped."

PODCAST SNIPPETS 🎧

Behind the Scenes on the Superhero journey 🎬
That bus ad 😳🚌
The merger with Swyftx 🤝
Riding horses? 🐎

For more information www.sub11.com.au

Caroline Bowler, CEO - BTC Markets

Wed, 17 Aug 2022 23:00:00 +1000

Buy & sell cryptocurrencies in AUD with BTC Markets - 100% Australian-owned & operated.

"I kind of describe BTC markets as the designated driver of Australian crypto”

PODCAST SNIPPETS 🎧

Carolines journey from Ireland to Aus 🇮🇪
Why she joined BTC and their growth 📈
The recent partnerships 🤝
Gaelic Football and AFLW 🏟

For more information www.sub11.com.au

Josh Foreman, Founder & CEO - Indebted

Mon, 15 Aug 2022 05:15:00 +1000

Indebted works to resolve outstanding accounts and get individual finances back on track.

"I do pinch myself to think where we are today , but in the same vein to what you mentioned, I believe we are just scratching the surface..."

PODCAST SNIPPETS 🎧

Why Josh started Indebted 😮
The different approach to collections 🗂
The laser focus on the consumer 🚀
Downtime - What does Josh do? 🥊 🌮

For more information www.sub11.com.au

Xavier Shay, CEO - Up

Thu, 11 Aug 2022 23:00:00 +1000

Up launched October 2018 as a partnership between Ferocia and Bendigo Bank. They help over 500,000 customers and are focused on being "best digital banking experience on earth."

"How people feel about money, is just as important as the reality of the situation..."

PODCAST SNIPPETS 🎧

Who is Xavier Shay 😮
Is there a secret sauce to Up ?🥫
Employee loops & efficiencies 🚀
Barefoot, shoes or socks ? 🦶

For more information www.sub11.com.au

A director of Sub11 was one of the founders of Ferocia , that was acquired by Bendigo Bank.

Nick Nicolaides, Co-Founder - Pearler

Thu, 11 Aug 2022 03:00:00 +1000

Pearler is an investing app designed to help you reach your financial goals, within a supportive community. Our mission is to help everyday people become successful long-term investors.

"Our Philosophy is all about habitual regular investing , dollar cost averaging, not trying to time the market… "

PODCAST SNIPPETS 🎧

The personal Journey of Nick 🏠📲
The importance of community 🤲
Why the auto invest feature ? 🤖
Downtime for Nick ? 🏄‍♂️🌎

For more information www.sub11.com.au

Caleb Gibbins, Founder - Cache

Wed, 10 Aug 2022 10:15:00 +1000

Cache allows you to create a fintech investment product with Australia’s #1 Investing-as-a-Service provider

"Our capabilities are growing to support the range of features that our clients want to make available to their customers"

PODCAST SNIPPETS 🎧

Cache or Cash 🤔💰
The democratisation of micro investing 📊
Why its quality v quantity when it comes to clients 💻
Surf's up for downtime v Snow 🌨

Disclosure: Euphemia (Sub11's investment partner) has an equity position in Cake.

Matt Allen, Co Founder & CEO - Tractor Ventures

Tue, 09 Aug 2022 00:45:00 +1000

Tractor Ventures provides non-dilutive funding for companies to grow.

"We do due diligence on the business on where it stands today and where it is likely to be in the next six to twelve months "

PODCAST SNIPPETS 🎧

Matt's backstory and the formation of Tractor 💡
The different types of funding available 🗂
Managing risk in the current environment 💻
Why Matt wears a baseball cap 🧢

Alex Harper, Co-Founder - Swyftx

Sun, 07 Aug 2022 23:45:00 +1000

Swyftx is an Australian owned and operated crypto exchange that allows users to buy Bitcoin, Ethereum and 300+ other crypto assets.

"We then scaled up to over 600,000 customers, over 250 staff members and people across 5 different countries.. "

PODCAST SNIPPETS 🎧

The backstory of Alex and Angus and the idea 💡
What happened on "doge friday" 🗂
Managing hyper growth in customer numbers 💻
The recent merger with Superhero 👾

Matt Vitale, Co-Founder - Birchal

Fri, 05 Aug 2022 00:30:00 +1000

Birchal is an Australian Equity Crowdfunding platform for consumer brands and companies.

"We are very much the largest platform in Australia that does what we do"

PODCAST SNIPPETS 🎧

Matt tells the story how Alan and Matt met to start Birchal
What crowdfunding does differently
The rapid growth particularly in differing market conditions
The opportunity that lies ahead in "secondaries"
The in-house AFL rivalry at the Vitale household.

#fintech #fintechnews #payments #startupaus #ausbiz #startupaus #digitalbanking #banking #podcasts #podcasting

Disclosure: A director of Sub11 is an equity holder in Birchal.

Jill Berry, Co-Founder - Adatree

Thu, 04 Aug 2022 08:00:00 +1000

Adatree helps organisations unleash the potential of Open Banking and the CDR through turnkey Data Recipient and Data Holder solutions.

"Are they on the offensive or the defensive, because ultimately you can look at CDR and think of it..is it really glass half full or half empty?"

Jill talks about why she started Adatree
3 years later and the progress on the company - and the Adatree Exchange
101 on CDR and Open Banking
Why banking may not be the only play with CDR ....
The capabilities and use case ideas - and startup opportunities!

Max Kausman, Investor - Tidal Ventures

Tue, 02 Aug 2022 23:00:00 +1000

Tidal's mission is to help founders build momentum as bold and courageous product led companies.

Year founded : 2016

Founder/CEO: Grant McCarthy

Location: Sydney and New York

Size of Team: 15

Website: https://www.tidalvc.com

Current fintech investments : Frankie One, Carted, Loopit, Renewtrak, AtlasTrend

"We want to do the most due diligence, build the highest degree of conviction and want to go in and get involved operationally"

PODCAST SNIPPETS 🎧

Why Max is keen on the fintech vertical
What part of the fintech ecosystem they like to invest
Why he is excited about the sector and the future
The different funds Tidal have
The current market conditions - topical!

Ben Williamson, Co-Founder & CEO - Fresh

Tue, 02 Aug 2022 02:00:00 +1000

Fresh connects investors with listed companies raising capital.

"Companies should be thinking about their shareholders as subscribers..."

Ben talks about how the business started and why they started
How they saw early traction (under a different name)
How their customers gave them feedback to scale
Why they play an important role in equity markets
Recent Fresh Milestones
Their Goal to get to 100 companies in 12 months

Ash Crick , CTO - OneTwo Home Loans

Thu, 21 Jul 2022 23:00:00 +1000

OneTwo is a challenger lender with a mission to level the property playing field, helping people buy and own homes in an easier way.

"The way you approach a technology problem is very similar to the way you approach jumping out of a plane in a world sky diving competition"

Ash talks his background and how ended up at OneTwo
What does OneTwo do and why do they exist?
The mortgage application process - how do it better!
His background as a professional pianist as well as World Champion SkyDiver
The adrenalin of music, sport, tech and life!

Patrick Schweizer, Director - Alares

Wed, 13 Jul 2022 22:30:00 +1000

Alares Insights delivers a monthly snapshot of unique insights into current and emerging credit risk factors.

"Had they known this information ahead, they would have very like have avoided some bad situations."

Patrick talks about why he started the business and the gap he saw
The uses for Alares ranging from lending to legals
Why he has bootstrapped the entire business
The importance of revenue and customers v raising
The next phase of growth for the business

Camille Socquet-Clerc, Co-Founder & CEO - Bloom Impact Investing

Wed, 06 Jul 2022 14:45:00 +1000

Bloom offers a mobile investing app allowing people to invest in a climate impact fund starting from $500.

"We have big dreams"...

Camille talks about her background in finance
Why she started Bloom and the vision
The waitlist and gathering early adopters
Why she wants to change the way people think about investing
Why climate investing is so important
Who she wants to meet in the Australian ecosystem and why
The next phase of growth for the business

This episode can be found on www.sub11.com.au