In this episode, TC, our CTO Confessions host, and Skyler Nesheim, the CTO of Dwolla, discuss the strategies and mindsets that have propelled his career in the competitive and dynamic world of FinTech. A hidden world that we all use without knowing it.

Key takeaways from the podcast are: 

Develop a framework to prioritize core, unique technology that drives your business while leveraging SaaS solutions for non-core needs to enable responsible, sustainable growth. 

Utilize thoughtful questioning, such as "What problem are we solving?" and "What are we optimizing for?" to align teams, challenge assumptions, and drive better decision-making. 

Emphasize the value of documenting decisions, potential second-order effects, and leveraging mental models to improve collaboration, knowledge sharing, and future problem-solving abilities.

Our Guest: Skyler Nesheim 
LinkedIn: Skyler Nesheim | LinkedIn 
Website: https://www.dwolla.com/  

Intro and background music: Craig MacArthur - Power Shutoff (www.youtube.com/watch?v=x74iB_jtauw)

Episode 161: A Fintech CTO's Playbook for Driving Sustainable Innovation with Skyler Nesheim

Coast stands out in fintech with its interactive API demos.

Kara Parkey, head of strategic accounts at Coast, shares insights on the Tearsheet podcast as to why her firm is working with many of the best fintech brands. It’s that Coast visually simplifies the complexity of API products, making their service essential in today’s fast-changing financial world.

Coast lets users view APIs in action, making vendor and partner presentations interactive. It turns static PowerPoints into dynamic, live experiences. According to Kara, “It’s like seeing APIs come to life.” This is especially valuable for fintech companies focused on the API economy and open banking. It resonates with those driving innovation in these areas.

How Coast pioneers API demos in fintech
Kara explains that Coast’s demos are not just about showcasing APIs. They are about transforming how potential clients experience them. Traditionally, fintech companies relied on static prototypes or lengthy technical documentation. Coast provides a live demo environment. Kara describes it as “a unique URL branded for the client.” This allows users to interact with the APIs in a realistic setting. This approach is especially appealing in fintech, where embedded finance is becoming more common, aligning with the growing trend in the industry.

Impact on sales cycle and Time to Value
One of the significant advantages Coast offers is the reduction of time of the sales cycle. Kara highlights a case study with Sardine, where Coast helped cut the sales cycle by 20% to 25%. This efficiency comes from cutting down the time needed to build demos. It also gives account executives a tool to easily explain complex APIs. As a result, the process is faster and simpler. “It’s huge for embedded technology,” Kara emphasizes. She points out how it aids in reaching both technical and non-technical buyers.

Facilitating API integration and onboarding
Coast’s technology also simplifies the onboarding process, enabling clients to get up and running swiftly. Kara notes that while typical onboarding can take 30 days to 60 days, some clients go live within a week. Coast enables quick setup by using existing API documentation. Companies can import their APIs and build stories around them easily. No deep technical integration is required.

How Coast meets the needs of Financial Institutions
As Open Banking and Section 1033 expand, financial institutions are updating their APIs. The pressure to upgrade is increasing. Kara mentions that Coast is actively engaging with banks to help them “increase adoption of their APIs and make it more scalable.” The ability to visualize complex data flows in a secure environment is crucial for banks. It helps them navigate these new regulatory landscapes.

Ensuring security and compliance within Coast
Security is paramount in the fintech industry. Kara says that Coast takes this seriously. Coast reduces compliance risks by serving as a visual overlay instead of storing sensitive information. This approach minimizes data security concerns. Kara states, “We are your API documentation, just a visual representation.” She says that Coast’s solutions integrate without compromising data integrity.

Why Coast's live API demos matter in fintech feat. Kara Parkey

Artificial Intelligence has made extraordinary advancements, but a critical challenge remains: the gap between synthetic data and real human intelligence. In this episode of TARTLECAST, Alexander McCaig and Jason Rigby delve into the concept of the "synthetic ceiling" — the inherent limitations of AI systems reliant on synthetic and scraped data. They discuss how this disconnect, often leading to "synthetic drift," impacts the accuracy, adaptability, and ethical considerations of AI models. The hosts introduce TARTLE's revolutionary approach to bridging this gap using Real-Time Human Feedback (RTHF) and ethically sourced zero-party data. By creating a "Human Resonance Loop," TARTLE allows AI to align with real human behaviors, improving model accuracy, reducing bias, and enhancing contextual understanding.  Key Topics Discussed: 1. The Synthetic Ceiling &amp; Synthetic Drift  Definition of the "synthetic ceiling": A barrier preventing AI from achieving human-like reasoning. Explanation of "synthetic drift": The gradual disconnection between AI models and real human behaviors due to over-reliance on synthetic data.  2. The Reality Gap in AI  Challenges in AI performance caused by the lack of real-world context. The measurable disconnect between test scenarios and real-world applications. Insights into the "Data Vitality Score" as a measure of dataset relevance to human behavior.  3. The TARTLE Difference  Introduction to ethically sourced zero-party data and Real-Time Human Feedback. How TARTLE creates a "Human Resonance Loop" to align AI predictions with human intuition. Real-world results: 30% improvement in AI model accuracy and 60% faster development cycles.  4. Technical Architecture of Real Intelligence Integration  Foundations of TARTLE’s approach:  Zero-Party Data: Direct, consent-based user information. Human Feedback Loops: Continuous refinement through dynamic, real-world input. Contextual Enhancement Layers: Incorporating experiential knowledge, emotional context, and cultural nuances.    5. Philosophical Implications of Human-AI Collaboration  Why human intelligence cannot be replicated but must be integrated into AI. The ethical necessity of consent in data sourcing. Creating symbiotic relationships where AI enhances human decision-making without replacing it.  6. Future Applications and Scalability  The role of TARTLE in creating AI systems that evolve with human behaviors. Scalable solutions for data scientists, AI developers, and ethical businesses.   Key Takeaways:  AI Needs Real Intelligence: Synthetic data alone is insufficient for achieving true AI potential. Real human data provides the context, adaptability, and emotional resonance needed for advanced AI models. Ethical AI Starts with Consent: TARTLE’s approach emphasizes permission-based data sharing, ensuring privacy and trust. Scalable Impact: With TARTLE’s platform, AI systems continuously evolve, grounded in the richness of real human input.   Quotes from the Episode:  “Without consent, AI models hit a synthetic ceiling they cannot break through.” “AI can only achieve neural resonance when it integrates real human feedback.” “TARTLE isn’t just about building better AI; it’s about redefining human-AI collaboration.”   Connect with TARTLE:  Website:   Subscribe &amp; Review: Enjoyed this episode? Subscribe to TARTLECAST on your favorite podcast platform and leave us a review! Join the TARTLE Movement: Sign up to share your data ethically and make a global impact: www.tartle.co Stay Tuned: In the next episode, we’ll dive into real-world AI applications transforming industries through TARTLE’s platform. Don’t miss it!

Why 73% of AI Models Fail (and How Real Human Data Fixes It)

A newsletter com tudo: 📢 https://www.fintrender.com/ 📢

Entrevista com Bruno Diniz, fundador da Spiralem e autor de 2 best sellers. 

Links desse episódio:
Site: https://brunodiniz.com/
Linkedin: https://www.linkedin.com/in/brunoevdiniz/
Instagram: https://www.instagram.com/brunoevdiniz/

Minutagem:
00:00 - Introdução: Bruno Diniz, fundador da Spiralling e autor best-seller.
04:54 - Início da carreira: Experiência no Unibanco e a crise de 2008.
07:39 - Primeiros passos no Brasil: Eventos e comunidade fintech.
10:48 - Nubank e transformação do mercado financeiro brasileiro.
12:21 - Desafios e oportunidades em pagamentos e crédito no Brasil.
22:33 - Impacto do PIX, Open Finance e sandbox regulatório no Brasil.
34:32 - Confronto e integração entre fintechs e criptoeconomia.
37:39 - As três eras de fintechs: inovação, serviços e infraestrutura.
44:41 - Planos futuros: Livros sobre IA e mercado internacional.
53:12 - Encerramento: Adaptabilidade no mercado financeiro dinâmico.

Outros canais Fintrender:
►Instagram: https://www.instagram.com/finTrender
►Facebook: https://www.facebook.com/FinTrender
►Twitter:  https://www.twitter.com/@finTrender
► Linkedin: https://www.linkedin.com/company/fintrender/

#fintrender #livro #brunodiniz

#238 Bruno Diniz | Fintech, Livros, Criptoeconomia, Regulamentacao, Best Sellers, Historia

Today’s guest is Enate Founder and CTO, Kit Cox. Enate makes a comprehensive AI-enhanced business orchestration platform to empower organizations to deliver exceptional services with precision and efficiency. Kit returns to the program to discuss specific use cases that showcase the potential of AI in enhancing customer interactions at critical points in financial services. At the point of sale, AI technologies like sentiment analysis, email triage, and data analysis streamline customer engagement. At the point of need, AI tools play a crucial role in fraud detection, lost card scenarios, and handling complex insurance claims, showing how automation can improve responsiveness and accuracy in high-stakes moments.

Point of Sale and Point of Need Use Cases in Financial Services - with Kit Cox of Enate

In the latest episode of the What the FinTech? podcast, FinTech Futures editor Paul Hindle sits down with George Sandilands, VP of Carbon Accounting at Sage, to explore the current state of play around green finance and how the financial services industry as a whole can help tackle climate change.

The discussion covers how demands from clients for green finance have shifted in recent years, the evolution of sustainability reporting and the data requirements involved, the key tech innovations and trends driving the future of green finance, and the role fintech can play in combatting climate change.

And finally, we find out what fintech buzzword George wants to throw into our Fintech Jail!

This episode of the What the FinTech? podcast is brought to you in partnership with FinTech Connect.

What the FinTech? | S.5 Episode 22 | Green finance and how fintech can help tackle climate change

Reb and Shen discuss Reb’s article about how generative AI will impact the market data industry and how that will also creep into the reference data space. Reb also details a market data framework by Substantive Research, the drama around reference data identifiers, and a preview of her next story.
https://www.waterstechnology.com/emerging-technologies/7952088/ai-set-to-overhaul-market-data-landscape-by-2029-new-study-finds?ref=header-search
https://www.waterstechnology.com/data-management/7951990/industry-seeks-to-avoid-future-clashes-over-data-costs
https://www.waterstechnology.com/data-management/7951982/new-working-group-to-create-open-framework-for-managing-rising-market-data-costs

Episode 298: GenAI in market data, and everything reference data

Meet Chijioke Dozie, the co-founder steering Carbon through Nigeria's increasingly noisy neobank scene. In this candid chat with Andile Masuku, Dozie makes a case for zigging while others zag—specifically, charging for value while competitors burn cash on free services. 

It's a stance that might raise eyebrows in Nigeria's price-sensitive market, but as you'll hear, it's backed by 12 years of hard knocks and savvy iteration.

Episode Overview: 
Carbon spotted a massive gap in Nigeria circa 2012 - imagine a market of 180 million people where barely 200,000 had credit cards. It's the kind of statistical disparity that makes you do a double-take. The conversation reveals how this reality shaped Carbon's contrarian approach to building a licensed digital bank in Africa's largest economy.

Key topics:
- The distinction between neobanks across different markets
- Trust-building in digital banking through institutional frameworks
- The evolution from free services to value-based pricing
- The impact of founder experience on investor confidence
- Market size challenges in African banking

Notable points:
1) Carbon achieved profitability in 2018 and 2019, having raised only $12 million in equity
2) The company has processed loans for over 5 million Nigerians across three economic cycles
3) Nigeria's credit-to-GDP ratio was only 6% compared to South Africa's 70% when Carbon started
4) The company is shifting away from digital-only to include offline touchpoints

Be sure to listen out for a particularly candid moment when Dozie reflects on two key decisions made during pivotal moments in Carbon's history—choices he admits he would reconsider if given the chance.

Why Carbon CEO Chijioke Dozie Is Ditching Nigeria's Free Banking Playbook

Bankadelic host Lou Carlozo has a mind that's inhabited by odd, surreal characters -- from executioners to bubbas, Morrissey wannabes to wise guys belting Christmas carols. These 13 skits represent the epitome, the very peak of Bankadelic humor. That's probably not saying much ... unless some of this makes you snort your morning java out your nose. Then, we can say we've truly achieved something.

EPISODE 171: THE BANKER'S DOZEN: 13 BANKADELIC SKITS

L'IA rend à peu près tout sexy et Revolut l'a bien compris. Quelle rêve nous vend cette startup de la fintech ? Je vous laisse le découvrir !

Revolut, quand l'IA rend la banque sexy

Africa-focused technology, digital and innovation ecosystem insight and commentary.

Wei-Shen Wong and Anthony Malakian discuss the hottest financial technology topics in the capital markets every week.

Tearsheet is news, opinion, and analysis on the business of finance.

Candid conversations with senior executives, fintech entrepreneurs, investors, industry experts -- all weigh in on the trends impacting the industry and the disruptive impact technology is having on the business.

Where social media, technology and finance intersect.

Stay ahead of the curve as artificial intelligence disrupts the financial services sector.

Discover the lessons learned from organizations like HSBC, Citigroup, and Visa; learn business strategies from venture capitalists investing in AI for the financial services industry; and see the future with AI banking innovators from Silicon Valley and around the world.

Each week Emerj Founder Daniel Faggella interviews top experts to bring their best insights to our audience.

This show is for financial services leaders, consulting and IT services leaders, and any businessperson with an interest in the evolving world of AI in financial services.

www.emerj.com

TARTLE is a global personal data marketplace. Free to join, free to use. It is where humanity goes to get paid for their data.

FinTech Futures was founded as Banking Technology Magazine in the 1980s.

Today you can find worldwide fintech news, intelligence & analysis at https://fintechfutures.com.

Olá.
A tecnologia tem o poder de tornar tudo mais fácil, rápido e global. Mas nem sempre de uma forma linear e universal. É sobre isso e seus impactos na nossa vida, financeira ou não, que trato nesse canal.

Os temas  mais usuais são ligados a essas alterações na nossa vida financeira e no mercado financeiro de modo geral , mas nunca limitado a somente isso, pois em um mundo ávido por mudanças como temos hoje, não temos barreiras entre setores, países, regiões, etc 

Separando por temas, os temas que mais abordo são: Fintechs, Blockchain, digital assets, Investimentos, Economia,  Crowdfunding, Peer to peer lending, DEFI, Stablecoin, CBDC, Libra, DEFI, tokenização, Bitcoin, ethereum, câmbio e por aí vai.

Para saber mais sobre mim e o que tenho feito é só me seguir em:

Instagram: https://www.instagram.com/fintrender
Facebook: https://www.facebook.com/fintrender
Linkedin: https://www.linkedin.com/company/fintrender
site: www.fintrender.com

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.

Hi my name is TC, and I’m honored to be hosting the CTO Confessions podcast brought to you by IT Labs. In our podcast we tackle the subject of leadership, how to deal with hard issues facing your business and we try to get closer to the world of those fantastic women and men that hold it all together with different priorities that rarely get appreciated.

Join us in our biweekly podcast and have fun as we tackle the world of business and the CTO Life.

Brought to you by IT Labs.

Listen to all our podcats on:

iTunes: https://podcasts.apple.com/mk/podcast/cto-confession-brought-to-you-by-it-labs/id1507959613 

Spotify: https://open.spotify.com/show/3LKhgOJSkRbbCn9agFCajC

Soundcloud: https://soundcloud.com/cto-confessions

New tracks tagged #fintech