It only takes one unexpected big bill or the prologued drip-drip-drip of leaky finances to create debt of a different kind—manifested in physical stress, lack of sleep and mental health challenges. In this episode, Matt Tomko, Chief Revenue Officer at Happy Money, shares the results of a survey that sheds light on the consumer debt epidemic and the spiral of helplessness it creates. Tomko also explains how Happy Money has worked to better serve consumers in the personal loan space.   

EPISODE 204: FROM CREDIT CARD DEBT AND RUNAWAY STRESS TO SOUND FINANCIAL FOOTING

In a series of podcasts taped live at 2025’s Money 20/20 in Las Vegas, host Lou Carlozo brings you the latest from one of the premier financial services conferences in the world. On this episode, Lou talks with Alkali Technology founder Stephen Bohanon, who shares the story of how his company has grown since 2009 from a feisty startup to an industry leader. He also discusses the unique approach Alkami takes to create its collaborative, energized work environment that borrows from backstory of medieval alchemy.   


LIVE FROM MONEY20/20 EPISODE 3: THE STORY BEHIND ALKAMI'S WINNING FINTECH FORMULA

In a series of podcasts taped live at 2025’s Money 20/20 in Las Vegas, host Lou Carlozo brings you the latest from one of the premier financial services conferences in the world. On this episode, Anthony Vassallo, Senior Vice President of Crypto at Silicon Valley Bank, walks us through the state of crypto in 2025, the ascendancy of stable coins--and why the bank chose not to rebrand following its well publicized collapse in 2023.

LIVE FROM MONEY 20/20 EPISODE 4: SILICON VALLEY BANK'S CRYPTO EXPERT ON STABLECOINS, THE BANK'S COMEBACK STORY AND MORE

In episode 86 of o11ycast, Ken Rimple and Jessica Kerr sit down with Amarilis Campos from Nubank. They explore how Brazil’s largest digital bank uses observability to build resilience and autonomy at scale. Amarilis shares how Nubank’s culture of “acting like owners, not renters” and its journey from metrics and logs to tracing with Honeycomb helped the company grow to over 100 million customers.

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o11ycast - Ep. #86, 12 Years and 100 Million Customers with Amarilis Campos of Nubank

In a series of podcasts taped live at 2025’s Money 20/20 in Las Vegas, host Lou Carlozo brings you the latest from one of the premier financial services conferences in the world. Conference speaker Sophia Bantanidis, Head of Future of Finance at the Citi institute, walks us through two laser-sharp reports, "Real Time 24/7 Finance in an Always-On World" and "Agentic AI: Finance and the Do it for Me Economy." Sophia's observations add context and depth to two of the most discussed topics at Money 20/20. 

LIVE FROM MONEY 20/20 EPISODE 6: A CITI LEADER EXPLAINS IT ALL, FROM AGENTIC AI TO REAL-TIME PAYMENTS

In a series of podcasts taped live at 2025’s Money 20/20 in Las Vegas, host Lou Carlozo brings you the latest from one of the premier financial services conferences in the world. On this episode, Lou’s introduced to the revolutionary concept of “cognitive banking” by Udi Ziv, CEO of Personetics. In a cognitive banking world, agentic processes stand in to represent the best interests of the customer: It may be digital, but it’s a definite throwback to the days when local bankers guided and even mentored customers. 


LIVE FROM MONEY 20/20 EPISODE 7: MEET THE BRAINS BEHIND COGNITIVE BANKING

In a series of podcasts taped live at 2025’s Money 20/20 in Las Vegas, host Lou Carlozo brings you the latest from one of the premier financial services conferences in the world. On this episode, Lou meets an enlightened founder who’s making waves as a payments -merchants innovator, Houman Motaharian (left), CEO of ClarityPay. He’s joined by Tom Carter, Chief Commercial Officer, and together they reflect on topics from removing the friction for merchants eager to serve customers better to what it’s like to build an organization dedicated to three bedrock commitments: team play, making a difference and practicing the art and science of saying “yes.”

LIVE FROM MONEY 20/20 EPISODE 8: THE VALUES THAT DRIVE CLARITYPAY’S VALUE PROP FOR MERCHANTS

In a series of podcasts taped live at 2025’s Money 20/20 in Las Vegas, host Lou Carlozo brings you the latest from one of the premier financial services conferences in the world. On this episode, Lou chats with one of his favorite return guests, Steven J. Ramirez, CEO of Beyond the Arc. The FI veteran shares his views on big opportunities in AI and finance, including the creation of compliance documents that meet the opposing demands for speed and rigor, and the return of blockchain as a hot topic.   

LIVE FROM MONEY 20/20 EPISODE 10: MEETING AI’S HOPE AND HYPE WITH IA (INNOVATION ACUITY)

In a series of podcasts taped live at 2025’s Money 20/20 in Las Vegas, host Lou Carlozo brings you the latest from one of the premier financial services conferences in the world. On this episode, Lou chats with John Blizzard, Founder of CD Valet, to learn more about an online destination that offers customers close to 40,000 choices, likely making it the largest such marketplace in the world. Blizzard, who’s also President and CEO of Seattle Bank, makes a compelling case for why CDs will only grow in popularity as factors from a potential AI bubble to unreleased economic data loom over Wall Street. 


LIVE FROM MONEY 20/20 EPISODE 11: WHY CONSUMERS WILL (AND STILL) FLOCK TO CDs

In a series of podcasts taped live at 2025’s Money 20/20 in Las Vegas, host Lou Carlozo brings you the latest from one of the premier financial services conferences in the world. On this episode, Lou talks with Sai Rangachari,  Chief Product Officer at Temenos, to learn more about how the Swiss banking software company is embracing the American market. Say also shares his views on how AI is having the most influence on banking, along with trends he thinks will shape the industry in the years ahead. 


LIVE FROM MONEY 20/20 EPISODE 12: AI'S REAL IMPACT, UPDATING THE CORE AND MORE

Heavybit is the leading early-stage investor in enterprise infrastructure. Since 2013, we've helped launch and scale visionary technical startups—from DevSecOps and feature flagging to AI code generation and beyond. We go hands-on from day 0, backing founders as they turn code into companies and build the future of software from the bottom up to the top down.

After amassing 125K listens as host of my previous banking podcast, I'm on my own and taking the game to a new level. Award-winning journalist, Pulitzer Prize finalist, composer and performer of all the Bankadelic music ... pizza fanatic.

New tracks tagged #FinTech