Fintech Leaders

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Fintech Leaders

Miguel Armaza

184 episodes

1 day ago

Send us a text Miguel Armaza interviews the CEO of Shift4. Shift4 has been at the forefront of the global payments industry for 26 years—and they’re only getting started. In this episode, CEO Taylor Lauber reveals the strategies that have kept the company ahead in a competitive, fast-moving market. Want more podcast episodes? Join me and follow Fintech Leaders today on Apple, Spotify, or your favorite podcast app for weekly conversations with today’s global leaders that will dominate the 21st...

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Entrepreneurship

All content for Fintech Leaders is the property of Miguel Armaza and is served directly from their servers with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.

Send us a text Miguel Armaza interviews the CEO of Shift4. Shift4 has been at the forefront of the global payments industry for 26 years—and they’re only getting started. In this episode, CEO Taylor Lauber reveals the strategies that have kept the company ahead in a competitive, fast-moving market. Want more podcast episodes? Join me and follow Fintech Leaders today on Apple, Spotify, or your favorite podcast app for weekly conversations with today’s global leaders that will dominate the 21st...

Show more...

Entrepreneurship

Episodes (20/184)

Fintech Leaders

Steve Stagner on Building Crete's $500 Million AI Roll-up to Modernize Accounting

Send us a text Miguel Armaza interviews Steve Stagner, CEO of Crete, an AI-powered roll-up deploying $500+ million to modernize the accounting industry. Backed by Thrive Capital, Bessemer Venture Partners, and others, Crete is acquiring US accounting firms and transforming them with OpenAI-powered tools. Steve brings battle-tested insights from building Mattress Firm from a single $1,300 franchise to a $3.8 billion Fortune 500 giant. In this episode, we discuss (1) Why "People, Process, Tec...

3 weeks ago

37 minutes

Fintech Leaders

Jack Zhang, Airwallex CEO - A $6 Billion Powerhouse Solving Global Payments for Companies

Send us a text [Original air date, April 9, 2024] Miguel Armaza interviews Jack Zhang, CEO & Co-Founder of Airwallex, a global payments and treasury giant that moves $7 billion in monthly transaction volume and serves 100,000+ clients, including Brex, Rippling, and SHEIN. Founded in Melbourne in 2015, Airwallex was last valued at $6.2 billion and has raised over a billion dollars from Sequoia, DST, Square Peg, Greenoaks, Mastercard, Tencent, Salesforce, and many more. In this epis...

1 month ago

36 minutes

Fintech Leaders

Eynat Guez, Papaya Global CEO - From 1,000 Rejections to $34 Billion in Annual Payments

Send us a text Miguel Armaza interviews Eynat Guez, CEO and Founder of Papaya Global. She has built an HR and payroll platform that has transformed how companies manage and operate global teams across 180 countries. After having faced over 1,000 rejections from VCs, Papaya has now grown to process $34 billion in payments annually and they've raised significant funding from Insight Partners, Bessemer, Greenoaks Capital, and more. We discuss why brutal honesty and direct leadership creates stro...

1 month ago

41 minutes

Fintech Leaders

Chen Amit, Tipalti CEO - A $100 Billion Opportunity, Why 'Once-in-a-Decade' Crises Now Happen Every 6 Months, Achieving 99% Revenue Retention

Send us a text Miguel Armaza interviews Chen Amit, CEO and Co-Founder of Tipalti, a global fintech platform processing billions in payments and serving over 4,000 mid-market companies worldwide. By focusing on the underserved mid-sized companies, Tipalti has achieved 99% gross revenue retention over 15 years and secured licenses across 50+ jurisdictions. We discuss: Navigating "once-in-a-decade" disruptions that now seem to happen every six monthsWhy customer intuition can override conflictin...

1 month ago

45 minutes

Fintech Leaders

Anré Williams, American Express – From Intern to Bank CEO, a 35-Year Journey at a Global Powerhouse

Send us a text Miguel Armaza sits down in NYC with Anré Williams, Senior Executive Advisor at American Express. Anré has spent over 35 years at Amex, rising from summer intern to, most recently, CEO of American Express National Bank (which represents ~60% of the company's revenues). Under his leadership, Amex transformed its banking business into a top 25 US bank by assets. Amex is one of the oldest financial services companies in the world. The company is 150 years old and in 2024, they repo...

2 months ago

42 minutes

Fintech Leaders

Eduardo Chedid, CEO of PicPay: 60M Users, $1B Revenue, From Brazil’s Digital Wallet to a Banking Giant

Send us a text Miguel Armaza travels to Sao Paulo for an interview with Eduardo Chedid, CEO of PicPay, a Brazilian fintech giant that has quietly become one of the most important financial companies in Latin America. With 60 million customers and handling 11% of all Pix payments transactions in Brazil, PicPay has achieved profitability while maintaining hyper-growth—posting 61% revenue growth and 7× higher profits in 2024. In this episode, we discuss: How PicPay transformed from a digital wal...

2 months ago

57 minutes

Fintech Leaders

Yoshi Yokokawa, CEO of Alpaca – 5 Million Accounts in 40 Countries, A Vision for Borderless Investing, Decision Frameworks & The API Sandwich Strategy

Send us a text Miguel Armaza stops by the New York Stock Exchange to interview Yoshi Yokokawa, CEO & Co-founder of Alpaca, an API-first brokerage infrastructure company that has raised over $100 million to serve more than 200 financial institutions across 40 countries, with 5 million brokerage accounts on their platform. In this episode, we discuss: Balancing data-driven decisions with entrepreneurial instinctWhy Alpaca's self-clearing model slashes dependencies, cuts costs, and accelerat...

2 months ago

36 minutes

Fintech Leaders

Daniel Vogel, CEO of Bitso – Serving 12 Million Customers and Building a Crypto Giant Through Innovation, Transparency, and a Curious Mind

Send us a text Miguel Armaza interviews Daniel Vogel, CEO & Co-Founder of Bitso, one of Latin America's leading cryptocurrency platforms serving over 12 million customers across Mexico, Argentina, Colombia, and Brazil. Bitso processes over 10% of the remittances flowing from the US to Mexico (the world's largest remittance corridor $65 Billion), and is pioneering the use of stablecoins for cross-border transactions throughout Latin America. In this episode, we discuss: Why rate of learnin...

2 months ago

50 minutes

Fintech Leaders

Bam Azizi, CEO of Mesh Connect - From Credit Card Debt to $130M, Building the Rails for a $37T Market, Executing a Wild Pivot

Send us a text Miguel Armaza interviews Bam Azizi, Co-Founder and CEO of Mesh Connect, a fintech infrastructure company that has transformed from a consumer-focus to a fast-growing B2B platform serving hundreds of corporate clients including Revolut, and Coinbase. After raising nearly $130 million, including a Series B closed in just one month, Mesh is now focusing on serving the stablecoin ecosystem. We discuss: The rollercoaster journey from B2C to B2B and the painful but necessary pivot de...

3 months ago

34 minutes

Fintech Leaders

Johnny Ayers, CEO of Socure - Building a Giant that Protects Billions of Identities, and How to Turn a Crisis into an Advantage

Send us a text Miguel Armaza interviews Johnny Ayers, CEO and Co-Founder of Socure, a leader in digital identity verification that has transformed the industry using machine learning and graph databases. From surviving a major risk event in 2014 to becoming a trusted partner for the largest financial institutions, consumer businesses, and government agencies, Socure now processes over 15 billion rows of data weekly and has verified more than 3 billion identities globally. In this episode, we ...

3 months ago

42 minutes

Fintech Leaders

Shensi Ding, Merge Co-Founder - Lessons for First-Time Founders, $75M to build API Infrastructure in an AI World, The Truth About Fundraising

Send us a text Miguel Armaza interviews Shensi Ding, Co-Founder of Merge, an integrations infrastructure platform that has quickly grown from serving early-stage startups to powering integration layers for some of the largest financial services companies in the world including Revolut, Airwallex, Ramp, Brex and many more. They have raised a total of $75 million from great investors including NEA, Addition, and Accel. In this episode, we discuss: Building credibility with engineers and product...

4 months ago

30 minutes

Fintech Leaders

David Magerman, Differential Ventures - How to Fix the Internet, Risks of GenAI, Pioneering Quant Trading

Send us a text [Original air date, February 6, 2024] Miguel Armaza sits down with David Magerman, Managing Partner and Co-Founder of Differential Ventures, an early-stage fund that invests in data-focused entrepreneurs building enterprise technology. In a past life, he spent 22 years in leadership roles at Renaissance Technologies (RenTech), a legendary hedge fund with over $100 billion in AUM and probably the most successful fund in history. David is also a contrarian thinker and a n...

4 months ago

45 minutes

Fintech Leaders

Ryan Graciano, Credit Karma Co-Founder - Scaling to 140 Million Users, Turning Crisis into Opportunity, Leading Product Innovation From CTO to CPO

Send us a text Miguel Armaza interviews Ryan Graciano, Co-Founder and Chief Product Officer of Credit Karma, one of the most successful fintech companies serving over 130 million customers. Credit Karma was bought by Intuit for $7.1bn in 2020, marking one of fintech’s largest acquisitions ever. Ryan began his journey as CTO after a brief stint at IBM and helped build Credit Karma from the ground up since 2007. In this episode, we discuss: Key technical decisions that shaped Credit Karma's s...

4 months ago

43 minutes

Fintech Leaders

Jackie Reses, Lead Bank CEO - Lessons from Tech Titans, Why Regulators Might Finally Be Ready for AI, Building Modern Financial Rails

Send us a text Miguel Armaza welcomes back Jackie Reses, CEO and Co-Founder of Lead Bank, a pioneering bank reimagining modern financial infrastructure and fintech partnerships. Jackie previously held leadership roles at Square and Yahoo, and served on the board of Alibaba, working alongside visionaries like Jack Dorsey and Jack Ma. In this episode, we discuss: How Lead Bank achieved instant product-market fit before even acquiring their bank charterWhy banking regulation needs a "first ...

4 months ago

41 minutes

Fintech Leaders

John Waldmann, CEO of Homebase - Serving 3.8M SMB Workers, Why AI Will Create More Small Business Owners, Importance of High-Velocity Decision Making

Send us a text Miguel Armaza interviews John Waldmann, Founder & CEO of Homebase, a company on a mission to help modernize local business teams in the US. Since launching in 2014, Homebase has grown to support over 150,000 businesses and 3.8 million workers, processing hundreds of millions of shifts annually. In this episode, we discuss: Why founders should have more courage and conviction in their early cultural choicesCreating a culture of ownership and high-velocity decision-makingThe ...

5 months ago

37 minutes

Fintech Leaders

Howard Lindzon: The Rise of the Degenerate Economy, Why Markets Are Rigged, Web2 Failed, and It’s still a Great Time to Invest

Send us a text Miguel Armaza interviews Howard Lindzon, a seasoned investor, entrepreneur, and founder of StockTwits, the largest social network for investors and traders. Howard is also the founder of Social Leverage, a venture capital firm that has backed great companies like Robinhood and eToro. Often called "The Larry David of Finance" for his candid, no-nonsense takes on markets and investing, his newsletter and sharp social media commentary have earned him a loyal following among invest...

5 months ago

47 minutes

Fintech Leaders

Ali Hamed, Founder of Treville - From Cold Emails to $2B AUM, How Michael Ovitz Taught Ali to Move Mountains, Rejecting Work-Life Balance

Send us a textMiguel Armaza interviews Ali Hamed, Co-Founder of Treville (formerly CoVenture), a $2 Billion investment firm that's breaking traditional asset class boundaries. Hamed has built one of the most distinctive firms in the industry, combining venture capital, credit, and asset-backed strategies with a uniquely rigorous approach - all starting from cold emails during his college days.In this episode, we discuss:The "founder fair" philosophy and lessons from partnering with Michael Ov...

5 months ago

48 minutes

Fintech Leaders

Savneet Singh, CEO of PAR Technology - The $3B Turnaround: Transforming a Failing Company into a Tech Leader

Send us a textMiguel Armaza interviews Savneet Singh, CEO of PAR Technology (NYSE: PAR), a company he helped transform from a struggling legacy hardware with a small market cap into a thriving restaurant technology leader now worth nearly $3 billion in the public markets.When Savneet joined PAR's board in 2018, he found a company facing multiple crises - from DOJ investigations and activist investors to negative customer satisfaction scores and just $3.4 million in cash reserves. What started...

5 months ago

38 minutes

Fintech Leaders

Best of 2024 - From the Leaders of Kaspi, Xero, dLocal, Addepar, QED, Zip, and Airwallex

Send us a text We bring you a compilation of some of the best and most popular episodes of 2024. The guests of this episode have either founded or held key leadership roles in companies with a $200 Billion combined market cap, including Capital One, Kaspi, Mercado Libre, and Xero. It was an amazing year for Fintech Leaders with 42 new guests from 13 countries. Our interviews were viewed almost 3 million times across all platforms and we reached people in 184 countries. Thank you for tuning fo...

6 months ago

36 minutes

Fintech Leaders

Adam Nash, CEO of Daffy – The Future of Charitable Giving, Lessons for CEOs, & Staying Bullish on Consumer Fintech

Send us a text [Original air date, March 21, 2023] For this Christmas Eve episode, I revisit my 2023 interview with Adam Nash, Co-Founder and CEO of Daffy, a special fintech platform that encourages charitable giving. Giving to charity is a powerful way to create change; even a small contribution to the right cause can transform lives and it’s a chance to make a real difference. As the year comes to an end and you get a chance to reflect back, I encourage you to learn more about Daffy. ...

6 months ago

42 minutes

Fintech Leaders

Send us a text Miguel Armaza interviews the CEO of Shift4. Shift4 has been at the forefront of the global payments industry for 26 years—and they’re only getting started. In this episode, CEO Taylor Lauber reveals the strategies that have kept the company ahead in a competitive, fast-moving market. Want more podcast episodes? Join me and follow Fintech Leaders today on Apple, Spotify, or your favorite podcast app for weekly conversations with today’s global leaders that will dominate the 21st...