In this episode, we sit down with Carlos Pernia, a payments leader who has shaped the industry from inside some of the world’s biggest companies: Apple, American Express, Visa, and Santander.

Carlos shares his career journey—from helping launch Apple Pay, to driving Visa’s digital product strategy in LATAM, to leading $2B in deposits at Santander. We talk about the future of payments and cards, the rise of real-time money movement and open banking, and how companies can balance fraud prevention with seamless customer experience.

But this conversation isn’t just about technology—it’s also about career growth. Carlos opens up about navigating today’s job market, what he’s looking for in his next opportunity, and the strategies he uses to stay ahead in a fast-changing industry.

If you’re passionate about fintech, digital payments, or building a career in financial services, this episode is packed with insights and inspiration.