In a world where small businesses juggle countless responsibilities, how can technology simplify their financial operations instead of adding to the complexity?
On this episode, Andrew Kanzer, Managing Director of Xero, North America, discusses building adaptable solutions for small businesses, the role of AI in accounting and the future of integrated financial tools.
Key Takeaways:
00:00 Introduction.
03:21 Open ecosystems provide flexibility for small businesses to customize workflows.
07:32 AI works best when it enhances professional expertise rather than replacing it.
08:36 Strategic partnerships expand capabilities and accelerate innovation.
11:29 Automation allows accountants to focus more on advice and strategy.
12:27 Technology improves collaboration between accountants and their clients.
14:14 Entering new markets requires thoughtful go-to-market strategies.
15:34 Human connection remains a competitive edge in financial services.
17:48 Lending continues to be a critical tool for small business resilience.
20:52 Career success comes from solving real problems and driving micro-innovation.
Resources Mentioned:
https://www.linkedin.com/in/akanzer
Xero | LinkedIn
https://www.linkedin.com/company/xero
Xero | Website
https://www.xero.com/
https://gusto.com/
https://meliopayments.com/
https://openai.com/
https://www.reddit.com/r/xero/comments/1nc0jk5/so_happy_i_moved_to_xero_from_qbo
Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/
Thanks for listening to “SMB Tech Innovators,” powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.
#SMB #Fintech #Innovation #Saas #HR #Payroll #SmallBusiness
Empowering small business owners means more than just offering tools — it means removing friction, saving time and building real emotional trust.
On this episode, Ross Buhrdorf, CEO and Co-Founder of ZenBusiness, discusses how his team is reshaping the entrepreneurship journey with AI-driven services, embedded fintech, and a powerful customer support model that puts people first.
Key Takeaways:
(05:12) Deep access to user data enables tailored business insights and recommendations.
(07:40) A unified data infrastructure ensures seamless collaboration across teams and customer interfaces.
(09:47) AI-powered features simplify complex business actions into one-click solutions.
(14:16) Formation and compliance services provide the foundation for small business growth.
(17:35) Partnerships are built on trust, shared values, and strong technical compatibility.
(21:16) AI monitors user activity to recommend relevant tools and services at the right time.
(25:04) Customer support is prioritized internally to deliver exceptional service externally.
(31:48) Internal fear is often the greatest obstacle to launching a successful business.
Resources Mentioned:
https://www.linkedin.com/in/rossbuhrdorf/
ZenBusiness | LinkedIn
https://www.linkedin.com/company/zenbusiness-pbc/
ZenBusiness | Website
https://www.zenbusiness.com/
https://1800accountant.com/
https://www.nextinsurance.com/
https://quickbooks.intuit.com/
Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/
Thanks for listening to “SMB Tech Innovators,” powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.
#SMB #Fintech #Innovation #Saas #HR #Payroll #SmallBusiness
The SaaS landscape is in constant and rapid flux, with verticalization becoming a key strategy for success. But what does it take to build a scalable, industry-specific platform that truly meets the needs of SMBs?
Eric Remer, CEO of EverCommerce, shares his entrepreneurial journey and reveals how he built a multi-billion-dollar company by focusing on tailored software solutions for service-based small businesses.
Key Takeaways:
(03:46) Businesses that focus on micro-verticals can provide more tailored solutions and drive greater customer engagement.
(06:39) Integrating core functionalities such as invoicing, payments and scheduling improves efficiency for small businesses.
(09:51) Industry-specific SaaS products enhance customer retention by aligning with a business’s day-to-day workflows.
(13:07) Strategic acquisitions can expand product offerings, fill technology gaps and accelerate growth in new verticals.
(15:31) Choosing between venture capital and private equity depends on long-term business objectives and risk tolerance.
(18:26) Overvaluing a company in early funding rounds can limit future fundraising options and hinder long-term scalability.
(22:04) Product-led growth enables businesses to scale efficiently by allowing users to onboard with minimal friction.
(28:10) Advanced software tools can make small businesses appear as operationally strong as larger competitors.
(28:47) Entrepreneurs can find inspiration in real-world stories of business owners who have overcome challenges and scaled successfully.
Resources Mentioned:
https://www.linkedin.com/in/eric-remer/
EverCommerce | LinkedIn
https://www.linkedin.com/company/evercommerce/
EverCommerce | Website
https://evercommerce.com/
https://www.businessunderdog.com/
Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/
Thanks for listening to “SMB Tech Innovators,” powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.
#SMB #Fintech #Innovation #Saas #HR #Payroll #SmallBusiness
The landscape of global work is evolving, and businesses are adapting to new challenges in workforce management, productivity, and compliance.
On this episode, Cody Rogers, Chief Product Officer of Hubstaff, discusses the intersection of time tracking, workforce analytics and management, along with the trends shaping remote work and global hiring.
Key Takeaways:
(03:52) The importance of combining time tracking, workforce analytics and management.
(06:53) How global hiring is changing business operations and talent acquisition.
(11:13) Compliance challenges businesses face when managing a distributed workforce.
(13:45) Balancing flexibility and simplicity helps users get control without overwhelming complexity.
(16:24) Building features in-house vs. integrating with existing tools.
(19:28) How product integrations improve customer retention and user experience.
(21:59) Key factors in making product development and partnership decisions.
(23:58) Lessons from launching a SaaS tool focused on reducing customer churn.
(25:13) Essential skills for product managers, including communication and ownership.
Resources Mentioned:
https://www.linkedin.com/in/codyrogers/
Hubstaff LinkedIn -
https://www.linkedin.com/company/hubstaff/
Hubstaff Website -
https://hubstaff.com/
Gusto -
https://gusto.com/
Deel -
https://www.deel.com/
Wise -
https://wise.com/
Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/.
Thanks for listening to “SMB Tech Innovators,” powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.
#SMB #Fintech #Innovation #Saas #HR #Payroll #SmallBusiness
Small business owners wake up each day focused on two things: their Instagram and their bank account. But what if banking could do more than just show a balance?
On this episode, Yoseph West, Co-Founder and CEO of Relay, discusses how banking designed for small businesses can drive cash flow confidence and financial clarity.
Key Takeaways:
(03:43) Small businesses struggle with financial visibility.
(06:52) Relay differentiates itself from traditional business banks.
(09:07) Preventing check fraud with authorization controls.
(10:53) Small businesses still compare digital banks to traditional ones.
(14:41) Attracting new customers and driving organic growth.
(18:55) Three key factors matter when choosing fintech partners.
(24:17) Small businesses demand more from their financial institutions.
(28:19) Building deep relationships with customers is essential for success.
Resources Mentioned:
https://www.linkedin.com/in/yosephwest/
Relay LinkedIn -
https://www.linkedin.com/company/bankwithrelay/
Relay Website -
https://www.relayfi.com/
Coalition for Financial Ecosystem Standards -
https://www.businesswire.com/news/home/20241001547800/en/Coalition-for-Financial-Ecosystem-Standards-CFES-Launches-to-Develop-Industry-Standards-for-Nonbanks-Participating-in-Financial-Services
Any specific guest you’d like to hear on the show? Leave your suggestions at
https://www.smbtechinnovators.com/.
Thanks for listening to “SMB Tech Innovators,” powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.
#SMB #Fintech #Innovation #Saas #HR #Payroll #SmallBusiness
Balancing strategic decisions with customer-centric innovation requires a deep understanding of your audience and a clear vision for impactful solutions. On this episode, Irana Wasti, Former Chief Product Officer of BILL and experienced board advisor, shares her expertise on serving small- and medium-sized businesses, driving strategic growth and navigating diverse career paths in the tech industry.
Key Takeaways:
(03:16) Leading GoDaddy’s EMEA region taught Irana the value of adapting strategies to cultural and regional contexts.
(07:55) SMBs face inefficiencies with seven or more tech tools, highlighting the need for integrated solutions.
(11:01) Proper experimentation enables rapid feedback, driving innovation and informed decision-making.
(14:01) GoDaddy’s bundling experiments revealed that quick wins, like instant email setup, enhance customer engagement.
(18:07) BILL’s acquisition of Divvy unified spend management and improved cash-flow insights through cohesive data.
(24:12) The use of AI is shifting from enhancing features to solving SMBs’ core challenges, such as automating workflows.
(27:27) Diversity means recognizing unique challenges, like balancing dual careers and parenting, to foster support.
(29:56) Without female managers, Irana thrived through mentorship. She urges others to innovate despite representation gaps.
(31:16) Irana now focuses on advisory roles and cherishes time with her family.
Resources Mentioned:
https://www.linkedin.com/in/iranawasti/
BILL | LinkedIn -
https://www.linkedin.com/company/bill/
BILL | Website -
https://www.bill.com
GoDaddy -
https://www.godaddy.com/
https://www.microsoft.com/
Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/
Thanks for listening to “SMB Tech Innovators,” powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.
#SMB #Fintech #Innovation #Saas #HR #Payroll #SmallBusiness
Simplifying global payments has never been more critical. Marwan Forzley, Founder and CEO of Veem, shares his expertise in creating seamless payment solutions for businesses, focusing on flexibility, transparency and innovation. Marwan highlights how Veem bridges the gap between complex global payment systems and user-friendly interfaces for businesses of all sizes.
Key Takeaways:
(03:07) Effective payment systems blend workflows, payment methods and compliance.
(08:10) Users can customize payments by choosing how to send or receive money, enabling greater flexibility and efficiency.
(11:48) Veem adapts its interface to each country’s regulatory needs.
(17:26) Veem offers partners compliance and implementation guidance for smooth integration and reliable performance.
(20:51) Businesses now expect real-time payments with the immediacy of email or messaging.
(22:21) Blockchain and crypto are set to become key payment methods.
(25:36) Real-time payments attract fraud, requiring strong risk management and secure backend systems.
(28:04) Business payments lag behind consumer payments in innovation.
Resources Mentioned:
https://www.linkedin.com/in/marwanforzley/
Veem LinkedIn -
https://www.linkedin.com/company/veem/
Veem | Website -
https://www.veem.com/
Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/.
Thanks for listening to “SMB Tech Innovators,” powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.
#SMB #Fintech #Innovation #Saas #HR #Payroll #tSmallBusiness
Design can transform the complex world of compliance into a seamless experience for small businesses. Amy Thibodeau, Chief Design Officer and Head of Core Experiences at Gusto, discusses designing intuitive, compliant experiences for small businesses. Drawing from her career at Facebook, Shopify and Gusto, Amy shares insights into balancing compliance with user-friendliness.
Key Takeaways:
(04:50) Compliance requires small businesses to follow regulatory rules, often assumed to be fully managed by their software.
(10:26) Regulatory changes highlight the challenge of staying current with shifting compliance requirements.
(14:06) Compliance design can guide users, preserving choice and enabling flexibility and trust for small businesses.
(17:14) Collecting accurate data at the right time is critical to avoid costly penalties.
(22:19) Simplifying jargon helps SMBs understand compliance without feeling overwhelmed.
(25:08) Continuous updates in compliance workflows fosters trust and alleviates user anxiety.
(28:19) Generative AI has the potential to synthesize vast regulatory datasets, offering SMBs personalized and actionable compliance guidance.
Resources Mentioned:
https://www.linkedin.com/in/amythibodeau/
Gusto LinkedIn -
https://www.linkedin.com/company/gustohq/
https://gusto.com/
Beneficial Ownership Filing Guide -
https://boiefiling.fincen.gov/resources/BOIR_Filing_Instructions.pdf
California Harassment Training Resources -
https://www.paradigmiq.com/training/sexual-harassment/?utm_campaignid=21124546524&utm_adgroupid=161218862861&utm_targetid=kwd-412771095553&utm_loc_interest_ms=21137&utm_loc_physical_ms=9061346&utm_matchtype=b&utm_network=g&utm_device=c&utm_devicemodel=&gclid=CjwKCAiA6t-6BhA3EiwAltRFGEkdxNc77MwQPnLSw27yzfqw7jZlpgkMJhmnAecZKZZSfruMMGPp4BoCUiYQAvD_BwE&utm_creative=705134143406&utm_keyword=sexual%20harassment%20training%20los%20angeles&utm_placement=&utm_target=&utm_adposition=&utm_term=sexual%20harassment%20training%20los%20angeles&utm_campaign=DEI+Strategy+-+Search+Campaign&utm_source=adwords&utm_medium=ppc&hsa_acc=6040429001&hsa_cam=21124546524&hsa_grp=161218862861&hsa_ad=705134143406&hsa_src=g&hsa_tgt=kwd-412771095553&hsa_kw=sexual%20harassment%20training%20los%20angeles&hsa_mt=b&hsa_net=adwords&hsa_ver=3&gad_source=1
Gusto’s Learning Management System (LMS) -
https://moodle.gusto-education.com/admin/tool/dataprivacy/summary.php
Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/.
Thanks for listening to “SMB Tech Innovators,” powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.
#SMB #Fintech #Innovation #Saas #HR #Payroll #SmallBusiness
On this episode, Jeremy Zhang, Co-Founder and CEO at Finch, discusses the challenges of fragmented employment systems and how Finch is creating solutions through unified APIs. With insights on industry innovation, compliance and new-age benefits, Jeremy highlights how Finch is shaping the future of employment data infrastructure.
Key Takeaways:
(01:27) Unified APIs connect employment data, process payments and streamline HR functions for employers and applications.
(03:12) Simplify retirement benefits by connecting census data, pay statements and payroll deductions.
(04:46) Finch connects 50,000 employers and 5 million employees, powering equity management, health insurance and retirement systems.
(08:43) Sensitive employee data demands secure handling to prevent breaches like Equifax’s $700M settlement.
(11:57) Finch builds a centralized API exchange layer that eliminates inefficiencies in employment data, improving compliance and accuracy.
(14:30) Fragmentation from 6,000 US payroll providers complicates standardization and connectivity.
(22:38) ICHRA benefits let employees buy health insurance, with unused funds covering other health expenses, powered by Finch.
(27:59) A strong founder-market fit enables startup success by leveraging unique expertise to tackle industry-specific challenges effectively.
Resources Mentioned:
https://www.linkedin.com/in/jeremyziyuzhang/
Finch LinkedIn -
https://www.linkedin.com/company/finchapi/
https://tryfinch.com/
Gusto -
https://gusto.com/
ADP -
https://www.adp.com/
Paychex -
https://www.paychex.com/
Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/
Thanks for listening to “SMB Tech Innovators,” powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.
#SMB #Fintech #Innovation #Saas #HR #Payroll #SmallBusiness
Modernizing financial services in an industry rooted in legacy infrastructure is no small feat.
Vignan Velivela, Co-Founder and CEO of AtoB, is reshaping the financial landscape of the trucking industry, where small businesses often lack the tools to manage their finances efficiently. With AtoB, Vignan is introducing digital payment solutions tailored specifically for trucking, addressing pain points from fuel costs to payroll delays. In this episode, he shares how AtoB empowers trucking companies to operate more profitably by reducing costs and streamlining payments.
Key Takeaways:
(04:17) COVID highlighted trucking's critical role in supply chains.
(07:57) Legacy payment networks hinder the industry’s financial modernization.
(09:46) AtoB aims to build a “Stripe” for trucking to simplify transactions.
(11:29) Partnering with Uber Freight enhances AtoB’s reach among small businesses.
(14:21) Fuel is the largest cost for trucking; AtoB’s fuel card reduces expenses.
(16:08) Truck drivers often face delays in receiving payment, impacting cash flow.
(21:41) Small trucking businesses struggle with access to digital payroll solutions.
(26:24) Thorough customer research has driven AtoB’s product decisions.
(32:52) Electric vehicle adoption in trucking will initially focus on local fleets.
Resources Mentioned:
https://www.linkedin.com/in/vignanv8/
AtoB -
https://www.linkedin.com/company/goatob/
Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/
Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.
This episode of The SMB Tech Innovators Podcast is brought to you by Gusto. Gusto has spent a decade building and testing its payroll, tax filing, and compliance infrastructure, which is available as a robust set of APIs so you can develop custom-tailored payroll solutions.
For more information, go to https://gusto.com/
#SMB #Fintech #Innovation #Saas #HR #Payroll #SmallBusiness
In an era where technology continuously reshapes business operations, payroll remains a challenging area for small businesses, especially as embedded solutions become increasingly popular. Gusto is at the forefront of transforming payroll into a seamless, embedded experience that supports the unique needs of small business owners.
On this episode, Tomer London, Co-Founder and CPO of Gusto, talks to host Rex Salisbury, Founder and General Partner of Cambrian, about Gusto's journey into embedded payroll, scaling through partnerships and the unique challenges of compliance and user experience in the fintech landscape.
Key Takeaways:
(03:02) Gusto’s early vision for embedded payroll and waiting for market readiness to capitalize on it.
(06:00) Gusto’s unique focus on creating a "modern delightful payroll" experience.
(13:36) Strategic timing behind launching embedded payroll, in line with industry trends.
(19:58) Challenges in small business payroll, highlighting complex regulatory requirements.
(22:32) Key partnerships, such as with JPMorgan, that amplify Gusto's reach and scalability.
(27:35) Dedicated “zero-to-one” teams that enable Gusto to innovate while scaling.
(41:10) A partner-focused approach in onboarding enterprise clients to Gusto’s embedded payroll.
(46:53) Three principles for product design: functional, intuitive and delightful user experiences.
Resources Mentioned:
https://www.linkedin.com/in/tomerlondon/
https://www.linkedin.com/company/gustohq/
https://www.gusto.com
https://www.linkedin.com/in/rexsalisbury/
https://www.cambrianhq.com/
https://www.collective.com/
https://clean.cloud/
Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/
Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.
#SMB #Fintech #Innovation #Saas #HR #Payroll #SmallBusiness
Disclaimer: Since recording this episode with Jessica, Chase Payment Solutions has launched Chase PayrollSM powered by Gusto. Visit chase.com/business/payments/payroll to learn more.
Technology is transforming how businesses handle payments, driven by innovation and customer expectations. On this episode, Jessica Young, Managing Director and Head of Product, Chase Payment Solutions of JPMorgan Chase & Co., discusses her journey from intern to Head of Product, the impact of the WePay acquisition and how Chase is setting itself apart in the payments industry.
Key Takeaways:
(01:20) Jessica's career journey.
(02:00) The significance of the WePay acquisition for Chase's product innovation.
(05:00) Overview of Chase Payment Solutions and its offerings for small businesses.
(06:50) Differentiation through trusted security and seamless integration.
(23:15) Criteria for selecting partners: product robustness, security and economics.
(26:35) Benefits of Chase's robust product development processes.
(29:00) Staying close to the customer in product development.
(31:00) Jessica's unique approach to celebrating product launches through music.
(32:30) Jessica's advice to future leaders on maintaining customer focus.
Resources Mentioned:
https://www.linkedin.com/in/jessica-young-a2331a19/
JPMorgan Chase & Co.| LinkedIn -
https://www.linkedin.com/company/jpmorganchase/
JPMorgan Chase | Website -
https://www.jpmorganchase.com/
Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/
Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.
#SMB #Fintech #Innovation #Saas #HR #Payroll #SmallBusiness
As legal technology continues to advance, small law firms face the challenge of adapting quickly. In this episode, Ronnie Gurion, Chief Operating Officer of Clio - Cloud-Based Legal Technology, explains how Clio’s platform is revolutionizing legal operations — helping law firms streamline case management, integrate AI and improve overall efficiency to better serve their clients.
Key Takeaways:
(03:12) An all-in-one platform to help law firms manage operations from intake to invoicing.
(07:05) Law firms increasingly want to consolidate their tools, preferring fewer, more integrated solutions.
(10:30) The complexity of legal compensation systems, such as billable hours and revenue-sharing, requires tailored software solutions.
(11:51) Clio is cautious about bolting on solutions without integration with the existing platform.
(14:57) Effective onboarding sequencing is critical to avoid overwhelming small business clients.
(18:15) Law firms have lower churn rates than other industries, which helps Clio maintain long-term customer relationships.
(20:01) Clio Duo, an AI-driven product, enhances efficiency in legal practices by streamlining operations.
(25:58) The importance of customer obsession when building vertical SaaS solutions.
Resources Mentioned:
https://www.linkedin.com/in/rgurion/
Clio - Cloud-Based Legal Technology -
https://www.linkedin.com/company/clio---cloud-based-legal-technology/
https://www.clio.com/
Clio Duo -
https://www.clio.com/about/press/clio-unveils-clio-duo/
https://account.clio.com/
Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/
Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.
This episode of The SMB Tech Innovators Podcast is brought to you by Gusto. Gusto has spent a decade building and testing its payroll, tax filing, and compliance infrastructure, which is available as a robust set of APIs so you can develop custom-tailored payroll solutions.
For more information, go to https://gusto.com/
#SMB #Fintech #Innovation #Saas #HR #Payroll #SmallBusiness
As small businesses navigate a landscape of increasing costs and evolving consumer behavior, how does a global payments provider like PayPal adapt? On this episode, Michelle Gill, EVP and General Manager, Small Business and Financial Services Group of PayPal, delves into the strategies that have positioned PayPal at the forefront of supporting small businesses.
Key Takeaways:
(02:02) Authenticity and staying true to oneself are key to leadership.
(05:14) PayPal started with small businesses on eBay and now supports SMB growth through five key jobs: get customers, get paid, pay vendors, manage cash flow and run operations.
(09:01) PayPal Complete Payments offers a single integration for multiple microservices, including Fastlane, which cuts checkout time by 32%.
(11:13) Fastlane boosts conversion rates by up to 50%, making checkout quicker and reducing customer drop-offs, benefiting both merchants and consumers.
(17:00) Prioritizing customer acquisition while also addressing operational needs, especially for smaller businesses, to support overall growth.
(20:22) PayPal offers flexible payment solutions that integrate with both its hardware and vertical-specific systems, focusing on partnerships over competition.
(22:57) PayPal collaborates closely with complex international partners to build versatile solutions, ensuring they address both broad and specific merchant needs.
(25:10) Understand your customers by speaking to them directly, allowing for unfiltered feedback, and never assume their needs — always ask and listen.
Resources Mentioned:
https://www.linkedin.com/in/michelle-gill-47b2a85/
PayPal | LinkedIn-
https://www.linkedin.com/company/paypal/
http://paypal.com/
Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/
Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.
#SMB #Fintech #Innovation #Saas #HR #Payroll #SmallBusiness
Retail operations face numerous time-consuming challenges every day. Lightspeed Commerce is solving one of the biggest and most tedious problems: managing complex workflows for SMBs.
Today, John Shapiro, Chief Product and Technology Officer, shares how Lightspeed empowers businesses to streamline operations, enhance product usability and leverage AI and machine learning for a competitive edge.
Key Takeaways:
(01:25) John’s career path from engineering to product management.
(02:08) The influence Steve Jobs’ commencement speech had on John’s career.
(03:14) Transitioning from software engineering to business operations and product management.
(04:03) The shift from desktop software to cloud solutions at Adobe.
(05:58) Lightspeed’s focus on complex in-store workflows for ambitious entrepreneurs.
(07:21) Balancing default settings and user flexibility in product design.
(09:45) Understanding customer problems is vital to drive product development.
(13:20) Integrating new technologies and financial services into Lightspeed’s platform.
(17:42) Validating market demand before building or partnering on new products.
(21:29) The role of AI in inventory forecasting and supplier recommendations.
(25:07) Using AI to enhance inventory forecasting and supplier recommendations.
(27:50) Balancing simplicity and capability in product design.
(29:23) Advice for aspiring product managers on navigating their careers.
Resources Mentioned:
https://www.linkedin.com/company/lightspeedcommerce/
https://www.linkedin.com/in/johnshapiro/
Steve Jobs’ Commencement Speech -
https://www.youtube.com/watch?v=UF8uR6Z6KLc
Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/.
Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.
#SMB #Fintech #Innovation #Saas #HR #Payroll #SmallBusiness
Discover how a passion for technology turns into a groundbreaking solution that helps businesses thrive. Fred Helou, Founder and CEO of Vagaro, shares his journey to becoming a successful entrepreneur in the US. With a background in engineering and a love for tech, Fred discusses the challenges and successes he faced while building Vagaro, a platform that provides scheduling and business management solutions for the beauty, wellness and fitness industries.
Key Takeaways:
(01:52) Fred’s journey from Lebanon to the US and his early tech interests.
(07:00) The tough start of Vagaro and why persistence matters.
(09:54) How Vagaro helps businesses run smoothly.
(12:27) Embedded finance products and their impact.
(14:58) The effects of COVID-19 on the beauty and wellness industry.
(18:08) Adapting to change and staying innovative.
(21:14) The role of AI in customer communication.
(25:23) Payroll integration and its benefits.
(28:29) The evolution of customer needs and platform expansion.
(31:42) Fred’s vision for Vagaro’s future.
Resources Mentioned:
Fred Helou - https://www.linkedin.com/in/fredhelou/
Vagaro | LinkedIn - https://www.linkedin.com/company/vagaro/
Vagaro | Website - https://www.vagaro.com/
Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/.
Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.
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Andrea Kando, Chief Payments and Strategy Officer of TouchBistro, has moved from elementary school teacher to payments industry leader. Her diverse roles in strategy and operations at Fortune 500 companies have equipped her with the skills to add immense value to smaller organizations. In this episode, Andrea shares her insights on optimizing revenue streams and enhancing the restaurant experience through TouchBistro’s innovative solutions.
Key Takeaways:
(03:10) Diverse roles in strategy, operations and payments add value to smaller firms.
(05:22) ISV: software solutions for specific verticals like restaurants.
(09:04) Key dining trends: online menu research, loyalty programs.
(10:59) Restaurant trends: balancing tech deployment with human interaction.
(12:51) Flexibility in delivering the right dining experience.
(13:00) Evolution of payments: focus on monetizing and optimizing experiences.
(14:32) TouchBistro’s intentional approach to payment workflows.
(18:04) Future of payments: the potential of soft POS solutions.
(22:18) Fraud management: layered security and optionality in payments.
Resources Mentioned:
https://www.linkedin.com/in/andrea-kando/
TouchBistro | LinkedIn -
https://www.linkedin.com/company/touchbistro/
TouchBistro | Website -
https://www.touchbistro.com/
Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/
Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.
#SMB #Fintech #Innovation #Saas #HR #Payroll #SmallBusiness
In the rapidly evolving landscape of independent businesses, managing client flow and administrative tasks remains a significant challenge. Yuval Kesten, Chief Product Officer of HoneyBook, shares insights into how a modern platform can alleviate these burdens. Reflecting on his extensive experience at Meta and now at HoneyBook, Yuval details how integrating advanced technologies like AI and embedded fintech not only simplifies operations but also enhances overall business efficiency for freelancers and entrepreneurs.
Key Takeaways:
(02:06) Yuval details the bottom-up culture at Meta and its influence on him.
(03:13) HoneyBook is a client flow management platform primarily for independent service providers.
(05:53) HoneyBook’s mission is to support aspects of business clients are least passionate about.
(06:49) HoneyBook’s target market focuses on committed businesses.
(08:17) Independents face challenges as their businesses grow.
(12:33) Integration of embedded fintech features to manage cash flows efficiently.
(16:00) HoneyBook’s careful approach to providing loans as part of embedded finance.
(18:11) The successful adoption of financial features, including tax savings.
(22:21) Emphasis on the need for empathy in developing financial products.
(24:25) The application of generative AI in assisting with client inquiries.
(28:14) Future plans for enhancing platform functionalities with more AI technologies.
(29:48) Insights on building a team culture that embraces new technologies and efficiencies.
Resources Mentioned:
https://www.linkedin.com/in/yuvalk/
HoneyBook | LinkedIn -
https://www.linkedin.com/company/honeybook/
HoneyBook | Website -
https://www.honeybook.com/
Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/
Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.
#SMB #Fintech #Innovation #Saas #HR #Payroll #SmallBusiness
Imagine stepping into a world where each decision is meticulously crafted, where every product feature is a stepping stone to unparalleled success. This episode goes behind the scenes with Navya Rehani Gupta, Chief Product Officer of Peek, who has mastered the art of strategic prioritization in the bustling arena of travel software. Discover how Navya's intentional focus and commitment to customer retention have catapulted Peek to new heights.
Key Takeaways:
(04:06) Peek’s software is recognized by G2 as the leader in tourism activity software.
(05:26) Innovation and customer collaboration.
(06:42) Product prioritization in vertical SaaS and focusing on winning a category before expansion.
(08:55) Providing cohesive customer experiences across multiple products.
(11:16) Peek’s focus on winning sub-verticals within the tour operator market.
(14:50) Balancing customization and scalability in product development.
(19:21) Tying ROI to product investments.
(23:08) Exploration of embedded finance within Peak's platform.
(27:04) The importance of intentionality in product management and leadership.
(28:45) Commitment to supporting female founders and leaders in tech.
Resources Mentioned:
https://www.linkedin.com/in/navyarehani/
Peek | LinkedIn -
https://www.linkedin.com/company/peek-com/
Peek | Website -
https://www.peek.com/
Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/
Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.
#SMB #Fintech #Innovation #Saas #HR #Payroll #SmallBusiness
In today’s world, where technology continually reshapes business landscapes, understanding the synergy between artificial intelligence and human interaction becomes paramount. The CPO and CEO of Formations, Co-Founders Uri Bar-Joseph and Shahar Plinner, delve into this topic, sharing insights from their entrepreneurial journey.
Their discussion highlights how they’ve harnessed technology to empower the self-employed while maintaining the essential human touch that distinguishes their service.
Key Takeaways:
(02:17) The inception of Formations and Shahar’s collaboration with Uri.
(04:14) Formations’ focus on the self-employed market and its challenges.
(07:22) How the COVID-19 pandemic unexpectedly supported their business model.
(10:13) Integrating AI to enhance customer engagement while maintaining personal interaction.
(10:31) The advantages of embedding fintech in Formations.
(13:48) Insights into the service model, emphasizing a non-DIY approach tailored for the self-employed.
(18:08) Handling complex tax issues with a mix of automation and expert advice.
(20:27) Introduction to “MAX,” an AI tax and accounting assistant with public access.
(24:50) The security of data with MAX, despite its public availability.
(28:47) Reflections on Formations’ organic growth and the role of human interaction.
Resources Mentioned:
https://www.linkedin.com/in/uribarjoseph/
https://www.linkedin.com/in/shaharplinner/
Formations | LinkedIn -
https://www.linkedin.com/company/formationscorp/
Formations Corp | Website -
https://formationscorp.com/
Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/.
Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.
#SMB #Fintech #Innovation #Saas #HR #Payroll #SmallBusiness