The credit industry is shifting how it evaluates borrowers. Traditional credit scoring has left over a billion people without access to financial services, but lenders are increasingly turning to alternative data—bank transactions, spending patterns, real-time financial behavior—to make more informed decisions about creditworthiness.

Andrew Endicott has been at the center of this shift. As co-founder of Petal, he pioneered what they called “cash flow underwriting”—using real-time bank data alongside traditional credit reports to approve people for credit cards who would otherwise be turned away. The approach worked: Petal raised nearly $1 billion, proving that alternative underwriting isn’t just better for consumers—it’s good business.

How Petal founder Andrew Endicott proved alternative credit works, and what he's betting on next

I have to be honest here...one of the things that I didn't fully understand in my time in production was treasury services.  I understood what they were...but it was never really part of the strategic process.  The more I'm around banking, I see the same thing with other banks and I don't think it's because it's a bad idea but rather it's because we don't understand it very well.

Laura Wetherell with Treascent LLC has a history of working with bankers (and being a banker herself!) understand and implement this often misunderstood part of banking.  

Check out her site: http://www.treascentllc.com/
Follow her on LinkedIn: http://www.linkedin.com/in/laurawetherellctp

And as always, thanks to ICBA Securities for their support and sponsorship!  
https://www.icba.org/icba-securities

Treasury Services: What It Is...and Isn't

ICAEW’s Iain Wright hosts a conversation with Emma Jones CBE, the government’s newly appointed Small Business Commissioner, in this special episode of Accountancy Insights.

Bonus episode: how to tackle late payments

Fresh out of the studio, Paul Harapin, Chief Revenue Officer for Asia Pacific and Japan at Stripe, joined us in a conversation discussing Stripe's explosive growth in the region that represents 40% of global GDP. Paul dived deep into how Stripe is revolutionizing commerce through AI and stablecoins, sharing fascinating customer stories in the Asia Pacific and Japan. He delved into Stripe's current innovations specifically on agentic commerce toolkits, virtual card issuing, and adaptive pricing solutions that are transforming how businesses scale across the dynamic Asia Pacific region. Last but not least, Paul shared the key trends in AI-powered payments and stablecoin adoption, defining what great would look like for Stripe's user-first approach to building the financial infrastructure of the internet economy in APAC.

"APAC represents 40% of global GDP. So you can see that there's huge opportunity in a very, very diverse region. The needs of Japan are different to the needs of China. India is exploding with SaaS, software, AI. Australia one of our larger markets, again, very different. And so Southeast Asia, the complexities of Asia make it a joy to work in." - Paul Harapin

Episode Highlights
[00:00] Quote of the Day by Paul Harapin
[02:30] Building tech companies, helping Silicon Valley expand Asia
[03:27] How Paul talked himself into Stripe role
[04:30] Key career lessons: people and passion matter most
[07:05] Stripe's mission to increase GDP of internet
[09:00] Asia represents 40% of global GDP opportunity
[12:42] AI transformation like discovering fire, very early cycle
[14:12] Agentic commerce toolkits downloaded thousands times weekly
[18:04] Virtual card issuing for secure AI transactions
[19:00] Stripe Link enables six second checkout process
[21:26] Adaptive pricing increases conversion by 18 percent
[24:23] Bridge acquisition brings stablecoin payment capabilities
[26:00] Stablecoin enables stability in volatile currency markets
[27:00] Japanese car exporter Zimbabwe cash bag example
[29:20] Digital currency adoption growing at consumer level
[31:00] Working closely with regulators across Asia Pacific
[33:40] Asia's fast digitizing economy leads global innovation
[34:05] India's UPI 10 billion transactions forecasted 100 billion
[36:30] How Stripe helps businesses in Asia Pacific to scale
[38:42] User-first founding principle drives everything at Stripe
[40:20] Closing

#stripe #stablecoins #bridge #agenticai #generativeai #payments 

Profile: Paul Harapin, Chief Revenue Officer, Asia Pacific & Japan, Stripe https://www.linkedin.com/in/paulharapin/

Podcast Information: Bernard Leong hosts and produces the show. The proper credits for the intro and end music are "Energetic Sports Drive." G. Thomas Craig mixed and edited the episode in both video and audio format. Here are the links to watch or listen to our podcast.

Analyse Asia Main Site: https://analyse.asia

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Subscribe Newsletter on LinkedIn https://www.linkedin.com/build-relation/newsletter-follow?entityUrn=7149559878934540288

Transforming Asia's Financial Infrastructure: Stripe's AI and Stablecoin Strategy with Paul Harapin

Telegram: @GETUSAIT

WhatsApp: +1(347) 519-9456

Email: Getusait@gmail.com

https://getusait.com/product/buy-verified-coinbase-accounts/

Buy Verified coinbasr Accounts to Simplify Cross-Border Payments

In this episode of the Self Storage Insight Podcast, James Shepherd unpacks the self-storage payment playbook with Full Stack Payments CEO Jonathan Shirey. They cover the full journey: card migrations, dual pricing vs. surcharge (and why dual pricing wins), and driving electronic payments (card/ACH) to lift NOI and valuation.

Payments That Pay Back: Card Migrations, Dual Pricing & Automation for Self-Storage

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 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

How Does Paypal Verify Trusted Sellers?

PayPal verifies sellers through identity checks, transaction history, and customer feedback. Verified sellers meet strict standards for trustworthiness and security. This verification helps buyers feel confident about their purchases and reduces the chances of scams.

Why Choose Verified Paypal Sellers For Online Purchases?

Choosing verified PayPal sellers ensures secure payments, buyer protection, and reliable service. Verified sellers have proven track records and positive reviews. This reduces risks and provides peace of mind when shopping online in 2025.

What Criteria Define A Paypal Seller As Trusted?

Trusted PayPal sellers have verified accounts, positive feedback, and consistent transaction success. They follow PayPal policies and offer timely customer support. These criteria guarantee safer and smoother buying experiences.

Conclusion

Trustworthy PayPal sellers make online buying safe and simple. These 9. 8 verified sellers offer reliable service you can count on. Choosing sellers with good reviews reduces risks and saves money. Always check ratings and feedback before you buy. Secure transactions protect your personal and financial details.
This list helps you find dependable sellers quickly and easily. Enjoy shopping with confidence in 2025 and beyond. Safe, smart buying starts here.

📶 We are available online 24/7.
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Trusted 7 Tips to Buy Verified PayPal Accounts for Digital Freelancers

Listen to a live panel on "Africa's FinTech Frontier: Payments & Growth Opportunities" recorded live at Africa Tech Summit Nairobi. Visit our website for more details and future events: www.africatechsummit.com.

Featuring 

Didi Uwemakpan - VP at Moniepoint 

Adesoji Solanke - Head of FinTech & Banks, Investment Banking Origination at Absa 

Shay Hamilton - CEO at Tola 

Saruni Maina - Associate VP at Flutterwave 

and moderated by Nkiru Uwaje - COO at Mansa Finance 

Highlights from the session include: 

🌍 Growth of Fintech: The African fintech industry is experiencing rapid growth, driven by increased mobile penetration and digital payment adoption.

💳 Mobile Money Integration: The rise of mobile money services is transforming payment systems, facilitating real-time transactions and increasing financial inclusion. 

🔒 Challenges in Security: The advancement of technology also brings challenges, particularly in fraud protection and identity management for fintech companies.

EP35: Africa's FinTech Frontier: Payments & Growth Opportunities

Our payment habits are changing. With digital payments on the rise, we need to preserve people’s freedom to choose how to pay: there’s cash, card, online transfers – and soon, we could have a digital euro.  

But what is the digital euro, and how will it work? Will it replace cash? Concerns about data security and government control have sparked debate around the digital euro, often fuelled by disinformation. 

We separate fact from fiction  as our host Stefania Secola teams up with Aidas Palubinskas from EU Finance Podcast to speak to Executive Board member Piero Cipollone about modernising our money. 

The views expressed are those of the speakers and not necessarily those of the European Central Bank.

Recorded on 4 November 2025 and published on 13 November 2025.

In this episode:
02:18 The digital what?
What is the digital euro, and how will it work in practice? Don’t we already pay digitally?
13:48 What will happen to cash?
Would introducing the digital euro mean the end of cash? And could it take away business from banks and other financial service providers? 
16:25 How secure would the digital euro be really?
What about hackers? Will our money be safe, and will the digital euro affect the integrity of the payments system?
19:31 Did someone say Big Brother?  
Will central banks, governments and other authorities have access to our data ? How private will our payments really be? 
24:52 When will we have a digital euro?
Where are we in the process and what are the next steps? How are EU institutions like the European Commission and the European Parliament involved in the digital euro project?
29:17 Our guests’ hot tips
Piero Cipollone shares his hot tip.

EU Finance Podcast – the future of finance
https://finance.ec.europa.eu/eu-finance-podcast-future-finance_en

Digital euro 
https://www.ecb.europa.eu/euro/digital_euro/html/index.en.html

President Lagarde explains the next digital euro phase
https://www.instagram.com/reel/DQd60z9jfjV/?igsh=MTV2OW4zNXp5cHJvNA==

The ECB Podcast: The digital euro, demystified https://www.ecb.europa.eu/press/tvservices/podcast/html/ecb.pod231024_episode71.en.html      

Press release: Eurosystem moving to next phase of digital euro project, 30 October 2025
https://www.ecb.europa.eu/press/pr/date/2025/html/ecb.pr251030~8c5b5beef0.en.html 

The ECB Blog: Making euro cash fit for the future https://www.ecb.europa.eu/press/blog/date/2025/html/ecb.blog20250804~9d3993abe0.en.html

Fit of the digital euro in the payment ecosystem https://www.ecb.europa.eu/euro/digital_euro/timeline/profuse/shared/pdf/ecb.deprep251030_digital_euro_fit_payment_ecosystem_report.en.pdf


Lifeline

Like cash, but digital: the facts behind the digital euro

The GENIUS Act brings regulatory clarity to stablecoins, but Conduit CEO Kirill Gertman argues that clarity alone won't guarantee success. Banks face a choice between building their own infrastructure or becoming the pipes for others.

Kirill Gertman has watched the stablecoin industry evolve from multiple angles. He spent nearly two decades in financial services before founding Conduit in 2021, including six years in crypto and a stint as VP of product at BRD, which became Coinbase Wallet. His company grew 16x in 2024 by solving a practical problem: businesses in emerging markets were accumulating stablecoins to hedge against local currency volatility but couldn't use those balances in their day-to-day operations. Conduit now works with tier-one banks and multinational corporations, processing billions in cross-border payments. And with the GENIUS Act bringing the first comprehensive regulatory framework for stablecoins in the United States, Gertman argues the legislation's passage raises as many strategic questions as it answers—particularly for banks that have been sitting on the sidelines.

Today, we'll explore why the GENIUS Act matters, the critical difference between stablecoins and deposit tokens, what strategy banks should actually pursue, and where Gertman sees the industry heading as major players race to build vertically integrated stacks.

Why every bank now needs a stablecoin strategy (whether they like it or not)

In this episode of the What the FinTech? podcast, host and FinTech Futures editor Paul Hindle is joined by Will Marwick, CEO of IFX Payments, to explore the rapidly evolving UK payments landscape and the future of cross-border transactions.

The conversation covers the challenges around cross-border payments for corporates and SMEs, how IFX is tackling friction points in international transactions, and how the FX brokerage market has evolved amid significant FX volatility in recent years. 

Looking toward emerging technologies, Will also gives his perspective on the growing traction of stablecoins and their potential role in the future of international transactions.

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


What the FinTech? | S.6 Episode 21 | The future of cross-border payments

In this episode of the What the FinTech? podcast recorded live at Money20/20 USA in Las Vegas, FinTech Futures' US correspondent Heather Sugg is joined by Justin Zhao, Head of Global Partnerships at Visa Direct, to explore how Visa Direct is pioneering the use of stablecoins to modernise cross-border payments. 

With the launch of Visa's pilot programme announced in September, Visa is testing stablecoin prefunding to help reduce settlement delays, unlock liquidity, and enable more flexible money movement for fintechs and remitters. 

Tune in to hear how Visa Direct is helping bridge traditional infrastructure with next-gen payment rails—and what this means for the businesses operating in a digital-first economy. 

What the FinTech? | S.6 Episode 22 | How Visa Direct is helping to unlock the future of global payments – live at Money20/20 USA

The Digital Revolution: Enhancing Cross-Border Payments in Africa – Panel at Africa Tech Summit Nairobi 2025 featuring insights and views from 
Eric Wainaina – General Manager, Africa at Conduit,
Yemi Lawani – Director of Business Development at Circle
Iheakachi Nwabueze – Head of Global Marketing and Growth at Grey
Dr. Collins Igwe – CFO at Budpay 
and moderated by Paschal Okeke – Head of Operations & Expansion at CrissCross.

Panelists discuss the current state of cross-border payments on the continent, the technological advancements in financial services powered by blockchain and digital currencies and highlight the anticipated growth of the African payment market, projected to reach $40 billion with 70% being digital.

The session touches on key challenges in the industry, including high transaction costs, regulatory fragmentation, compliance complexities, inefficient banking infrastructures and differing regulatory frameworks across countries present additional hurdles for cross-border transactions.

EP37: The Digital Revolution: Enhancing Cross-Border Payments in Africa

In love with banking? Feeling jilted by AI? Is your fintech life a box of chocolates? Whatever the state of your financial attachments, Bankadelic invites you back to another two-part holiday special, featuring three fabulous guests sharing their views on the state of banking play in 2026. Resident Bankadelic tycoon Worthington Bigbucks also drops by to deliver a Shakesperean sonnet that shares the sad tale of his luvvy-duvvy running off with his chauffer. 

Our guests:

Sarah Koulogeorge, Director of Business Development, Casca
Keith Riddle, General Manager, Payfinia
Martha Underwood, Founder of Prismm 
 

EPISODE 218 : THE 2026 BANKADELIC VALENTINE'S DAY LOVEFEST (PART ONE)

send my payments bitch xxx stream on all platforms, hope people fuck with the wizard <3

PAYMENTS

Tim Yalich, who now is vice president of business development for Carleton, returned for an appearance on the Auto Remarketing Podcast.

Yalich explained how much more crucial accurate payment information is to today’s car shoppers in an environment with some consumers struggling with affordability, among other topics associated with auto finance.

Carleton’s Tim Yalich on how critical accurate payment information is to today’s car shoppers

Are we really watching cash disappear, or is that just what people on TikTok say?

In this episode of What the Euro?!, our host Catherine digs into the real story behind cash. To find out everything you need to know, she speaks to experts about how we’re using it, why it matters, why it’ll stay and what’s changing with new banknote designs and the digital euro.

The views expressed are those of the speakers and not necessarily those of the European Central Bank.


Atmospheric Urban Vlog Coffee Shop

What’s up with cash?

The Analyse Podcast, formerly Analyse Asia, is a weekly show that dissects the pulse of business, technology, and media across the world. Hosted by Bernard Leong, it features in-depth conversations with leading journalists, senior executives, visionary authors, entrepreneurs, and thought leaders who shape industries and ideas. Each episode dives into the most important trends and stories redefining how the world builds, scales, and innovates — from Asia to the globe.

Welcome to Self Storage Insights, the show where we bring you insights and tips from successful self storage property owners. If you own or manage a self storage property, this podcast is for you!

Choosing trusted PayPal sellers is important for safe online shopping. Trust means sellers follow strict rules. They protect buyers and keep transactions secure. Sellers who meet clear criteria earn buyer confidence.

These criteria help find sellers who are honest and reliable. They include verification steps, customer feedback, and security measures. Understanding these points helps buyers pick the best sellers.

Your weekly dose of auto industry news and conversation with top executives, specifically tailored for the used-car side of the business.

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.

The Paul W. Barret, Jr. School of Banking is a non-profit independent school created by and governed by a Board of Regents, whose members are executives from banks and other firms involved with the financial services industry.The mission of the School is to provide an adult learning experience for the career-oriented individual in commercial banking or a related financial services industry business.

This is Euro Matters – the podcast where we unpack the stories, ideas and decisions shaping Europe’s economy.

We bring you fresh perspectives from the people at the heart of it all – from economists and policymakers to researchers and innovators – and answer the questions that truly matter to you.

Our hosts, Paul Gordon, Stefania Secola and Catherine Steer dive into the latest developments across the euro area, breaking down complex topics in a clear and accessible way.

New episodes drop every first and third Tuesday of each month. 

Please note: the views expressed are those of the speakers and not necessarily those of the European Central Bank.

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

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

Africa Tech Summit is the leading event series focused on African tech and investment with Summits globally. Africa Tech Summit Podcast continues the conversation with industry leaders, investors and corporates providing you with insights from across the African tech scene.

ICAEW is a professional membership organisation that provides insight and leadership to the global accountancy and finance profession.

New tracks tagged #payments