Join us as we unpack emerging trends and changes in digital transformation with the executives, entrepreneurs, and investors responsible for shaping the future of their industries. In these interviews, you can expect to hear candid conversations about the future of technology and the role it plays at some of the largest organizations in the world. Our hosts are members of the Kunai team, an agency that has been building software products for over twenty years.

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2021/10/13/17/42eb18be-e43f-4b56-85f6-bda12e7c1a99_episode_22__nan_siler.mp3

In today’s episode, Tarun Bhasin, CEO of Kunai, gets together with Nan Siler, Head of Payment Operations at Finix. Nan reflects on her initial experience with Finix as a customer and why she was so impressed with their services. Gain special insight into how Finix is structured and how they deliver exceptional payment operations. Next, we take a deeper look at payment operations and why it’s such a challenging part of the payment system to execute seamlessly and effectively. Nan draws on her immense knowledge to explain the technical complexities inherent to payment operations. We also discuss the technological advancements in the field of payments over the past twenty years and how small businesses have gained access to affordable services that were previously limited to large companies.  Key Points From This Episode:<ul><li>Get to know today’s guest, Nan Siler, and how she came to be Head of Payment Operations at Finix.</li><li>How Nan first encountered Finix as a customer.</li><li>An overview of Finix’s service and operations and why it&#39;s a great option for customers.</li><li>A deeper look at payment operations and why it’s such a challenging part of the payment system to execute seamlessly and effectively.</li><li>Why it’s necessary to have a payments operations team to optimize your payment system.</li><li>The role of a payments facilitator in your payments system.</li><li>Daily transaction-level reconciliations and why it’s an important part of payment operations.</li><li>How payment operations teams are hampered by a lack of access to data and being bound to antiquated processes.</li><li>Some of the advancements in payments technology that Nan has noticed from working in the industry for over two decades.</li><li>How small businesses have gained access to payments technology that was previously unavailable to them.</li><li>What large companies can learn from leaner startups.</li><li>How Finix positions itself in an increasingly competitive market.</li><li>The four primary approaches to payment management and how they differ.</li><li>Why it’s ideal to do as little migrating as possible.</li><li>Why platforms are the future for small businesses.</li><li>Nan’s views on Buy Now, Pay Later and why she defines it as generational.</li></ul> Tweetables:“I believe that large companies can definitely learn from leaner startups. However, I&#39;m just not sure they can execute at the speed required to keep up.” — Nan Siler [00:12:47] “Finix’s mission is to create the most accessible financial services ecosystem in history starting with payments.” — Nan Siler [00:13:39] “The good news is at Finix, we&#39;re lowering the barrier to entry to most of those controlled payment experiences.” — Nan Siler [0:17:56] “Platforms are the future for small businesses. They enable the small business to have that back-office experience of a large ERP system without all the pain and expense associated with those implementations.” — Nan Siler [0:20:46] Links Mentioned in Today’s Episode:<a href="https://www.linkedin.com/in/nansiler/" rel="nofollow">Nan Siler on LinkedIn</a><a href="https://www.kabbage.com/" rel="nofollow">Kabbage</a><a href="https://www.finixpayments.com/" rel="nofollow">Finix</a><a href="https://www.americanexpress.com/" rel="nofollow">American Express</a><a href="https://www.aciworldwide.com/" rel="nofollow">ACI Worldwide</a><a href="https://www.linkedin.com/in/tbhasin/" rel="nofollow">Tarun Bhasin</a><a href="https://www.kunaico.com/" rel="nofollow">Kunai</a>

Nan Siler, Head of Payment Operations, Finix

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2021/9/22/14/8ffa7327-1e67-4e14-a9a9-d0e74e005fce_episode_21__bradford_kelly.mp3

In today’s episode Tarun Bhasin, CEO of Kunai is joined by Brad Kelly, Managing Director at Payment Services. We continue the conversation on the ubiquity of FinTech and discuss various facets of buy now, pay later (BNPL) and how it will affect the current market, both in America and Australia. Brad lends his expertise to the phenomenon of BNPL, interrogates its role in the Australian banking system, and reflects on the regulatory challenges it will likely face with conservative banks in the not too distant future.Key Points From This Episode:<ul><li>Introducing today’s guest Brad Kelly, Managing Director of Payment Services, and our host Tarun Bhasin, CEO of Kunai.</li><li>An overview of the Australian banking and customer market today, and what the future holds.</li><li>How the Pareto principle is evident in Australian banking.</li><li>How banks use the data provided by the Australian reserve bank every month.</li><li>The considerable growth of debit cards in Australia and how citizens are changing their spending habits.</li><li>How Afterpay works and why it’s not necessarily as profitable as it presents itself to be.</li><li>A discussion of BNPL and its presence in Sydney, Australia as well as Apple’s potential plans for it in the United States.</li><li>PayPal’s presence in Australia and how their transaction fees are structured.</li><li>The strategies that Afterpay is using to target Millennials.</li><li>Why Qantas is a serious player in the financial services market, and how they demonstrate that credit cards will continue to grow and be popular. </li><li>Why Starbucks initially fared very poorly in Australia and how they were eventually able to find a market with American tourists.</li><li>How digital wallets differ in Australia and America.</li><li>Why buy now, pay later cards are limited in their revenue potential.</li><li>How the different regulations around credit in Australia and America affects average spending habits.</li></ul> Tweetables:“Basically, you can apply this 80-20 Pareto principle to all Australian banking, and they&#39;ve successfully watered off just about every challenge that&#39;s ever come at them. The ones that have, they buy them. That’s pretty much how it works.” — Brad Kelly [0:02:05] “Australia has a couple of unique quirks besides killer spiders and snakes and people called Hemsworth. What we&#39;ve got is a very strong banking system, but we&#39;ve got this indigenous debit payment network called EFTPOS, and it’s been around for about 45 years.” — Brad Kelly [0:04:14] “So the Citibank model, for instance, which is a virtual card in a wallet, and it runs on MasterCard rails. So what that means is it just behaves like a standard card or the point of sale. There&#39;s nothing tricky necessarily about it. ” — Brad Kelly [0:11:15] “I think the real risk for Afterpay and their cohorts is the risk of regulation.” — Brad Kelly [0:33:52] Links Mentioned in Today’s Episode: <a href="https://www.linkedin.com/in/bradfordtkelly/" rel="nofollow">Brad Kelly on LinkedIn</a><a href="https://www.linkedin.com/in/tbhasin/" rel="nofollow">Tarun Bhasin</a><a href="https://www.kunaico.com/" rel="nofollow">Kunai</a><a href="https://sniip.com/" rel="nofollow">Sniip</a><a href="https://www.afterpay.com/global/country-select" rel="nofollow">AfterPay</a><a href="https://www.marqeta.com/" rel="nofollow">Marqeta</a><a href="https://www.paypal.com/" rel="nofollow">PayPal</a>

Brad Kelly, Managing Director, Payment Services

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2021/7/29/17/e2feb7ae-bc6c-46a4-bdb4-0fae31dc36ba_final_podcast_-_siavash_alamouti.mp3

<h3>Episode Outline</h3>[02:12] Siavash’s education background[03:43] Becoming a refugee overnight[07:34] Siavash’s initial telecom roles[16:10] Decentralizing communications[20:03] Cloud[24:37] Blockchain[29:58] Digital assets versus monetary assets[39:47] The mission at Wells Fargo[43:00] Determining success[46:42] Pushing the boundaries of large organizations <h3>Connect with Siavash</h3><a href="https://www.linkedin.com/in/siavashalamouti" rel="nofollow">LinkedIn</a><a href="https://www.wellsfargo.com" rel="nofollow">Website</a><a href="https://mimik.com" rel="nofollow">Mimik</a> <h3>Connect with Kunai</h3><a href="https://www.kunaico.com/vision" rel="nofollow">Website</a>

Banks: The Future Custodians of Digital Assets

In this conversation with Siavash Alamouti, EVP of Innovation R&amp;D at Wells Fargo, he talks about his experience as a refugee, the importance of changing trust to love, and his mission at Wells Fargo. Hear about Siavash’s early telecom roles, his work toward decentralizing communications, the cloud and blockchain, digital assets versus monetary assets, and how he has been pushing the boundaries of larger organizations.

Siavash Alamouti, EVP, Head of R&D at Wells Fargo

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2021/7/14/19/7aa5d066-435f-4024-82a4-b770211e950b_final_podcast_-_bojan_duric.mp3

<h3>Episode Outline</h3>[01:51] Bojan’s backstory[07:50] Being agile and adapting[13:43] Big Data[18:53] Data engineering in the gym[22:55] Data cleansing, grooming, and ethics[30:12] Open data, open source[38:34] Bojan’s final thoughts <h3>Connect with Bojan</h3><a href="https://www.linkedin.com/in/bojanduric" rel="nofollow">LinkedIn</a><a href="https://www.vbgov.com" rel="nofollow">Website</a> <h3>Connect with Kunai</h3><a href="https://www.kunaico.com/vision" rel="nofollow">Website</a>

Data Talk

In this conversation with Bojan Duric, Chief Data Officer for the City of Virginia Beach, he talks about his background, the importance of being agile, and Big Data. Hear about improving data engineering, the practices of data cleansing and grooming, Big Data ethics, and the value of open source.

Bojan Duric, Chief Data Officer at City of Virginia Beach

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2021/7/14/19/a260229a-cfcb-48fc-ae42-2bc892ff798a_final_podcast_-_charley_ma.mp3

<h3>Episode Outline</h3>[01:33] Working at Plaid[11:10] Expanding the team to NYC[13:42] Visa and 2020[15:16] Where does the money meet the road?[19:16] Blockchain and DeFi[23:07] The ultimate goal at Ramp[27:52] Alloy and identity <h3>Connect with Charley</h3><a href="https://www.linkedin.com/in/charleyma" rel="nofollow">LinkedIn</a><a href="https://twitter.com/charleyma" rel="nofollow">Twitter</a><a href="https://www.charleyma.com" rel="nofollow">Website</a><a href="https://alloy.com" rel="nofollow">Alloy.com</a> <h3>Connect with Kunai</h3><a href="https://www.kunaico.com/vision" rel="nofollow">Website</a>

The Future of Fintech

In this conversation with Charley Ma, GM of Fintech at Alloy, he talks about his various roles throughout his career, his move to NYC, and the interesting year that was 2020. Hear about the future of Fintech, Charley’s vision, Blockchain and DeFi, and his thoughts on identity at Alloy.

Charley Ma, GM of Fintech at Alloy

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2021/7/1/18/a1f4a360-9c38-4177-af9f-15aa0178c116_final_podcast_-_diana_dinis_podcast.mp3

<h3>Episode Outline</h3>[01:58] Diana’s background[04:01] Creativity and FinTech[06:40] Diana at Mollie[09:32] Identifying the features[11:37] APIs or front-end application?[13:28] Managing a growing group over time[16:55] Was Covid a feature or scalability challenge, or both?[22:35] Going forward <h3>Connect with Diana</h3><a href="https://www.linkedin.com/in/diadin" rel="nofollow">LinkedIn</a><a href="https://www.mollie.com" rel="nofollow">Website</a> <h3>Connect with Kunai</h3><a href="https://www.kunaico.com/vision" rel="nofollow">Website</a>

Growing Mollie

In this conversation with Diana Dinis, VP of Product at Mollie, she talks about her role at Mollie, her background in the arts, and how her creative background benefits her work in FinTech. Hear about how they decide on features, how Diana manages a growing group over time, the scalability and feature challenges that Covid presented, and the plans for Mollie’s future.

Diana Dinis, VP of Product at Mollie

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2021/6/21/18/4f47ab8c-1750-436a-91c6-8d0d6d9ea1d2_final_podcast_-_rebecca_macieira-kaufmann.mp3

<h3>Podcast Summary</h3>In this conversation with Rebecca Macieira-Kaufmann, Founding Member of RMK Group, LLC, she talks about making tough decisions, the increasingly rapid change in industries, and the benefits of living in San Francisco. Hear about Rebecca’s experience as a leader, and her new book, Fit CEO. <h3>Episode Outline</h3>[01:48] Tough choices[08:05] How should banks approach a rapidly changing environment?[11:27] The benefits of San Francisco[15:35] Rebecca’s Fit CEO book <h3>Connect with Rebecca</h3><a href="https://www.linkedin.com/in/r-m-k" rel="nofollow">LinkedIn</a><a href="https://fitceobook.com" rel="nofollow">Fit CEO Website</a><a href="https://rmkgroupllc.com/" rel="nofollow">RMK Group LLC Website</a> <h3>Connect with Kunai</h3><a href="https://www.kunaico.com/vision" rel="nofollow">Website</a>

Fit CEO

In this conversation with Rebecca Macieira-Kaufmann, Founding Member of RMK Group, LLC, she talks about making tough decisions, the increasingly rapid change in industries, and the benefits of living in San Francisco. Hear about Rebecca’s experience as a leader, and her new book, Fit CEO.

Rebecca Macieira-Kaufmann, Founding Member at RMK Group, LLC, Board Member at Revolut USA, Advisory Board Member at DigitalDX, Advisory Council Member at DUCO, Advisor at Notabene

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2021/6/9/18/593c5667-21a0-4e45-9a0a-ad8cc996353e_final_podcast_-_chad_arroyo.mp3

<h3>Episode Outline</h3>[01:12] Chad’s background[03:34] Getting into startups[05:23] Getting into Fintech[06:23] Platform-based vs coin cryptocurrency[07:47] Shifting from crypto to corporate[10:05] LaunchPad[11:14] The drive towards platform[14:41] Chad’s team successes[17:50] Overcoming hurdles[20:35] Shaping user engagement[26:16] Looking forward[27:37] API to platform[29:57] How does decentralization play a role with LaaS?[32:57] MasterCard partnering with Bahamas Sand Dollar[34:53] Digital assets[35:59] Shameless plug for Mastercard <h3>Connect with Chad</h3><a href="https://www.linkedin.com/in/chadarroyo" rel="nofollow">LinkedIn</a><a href="https://twitter.com/ChadArroyo" rel="nofollow">Twitter</a><a href="https://medium.com/@chadarroyo" rel="nofollow">Website</a>

Crypto and The Road Ahead for Fintechs

In this conversation with Chad Arroyo, Mastercard Labs as a Service (LaaS) Head of North America, he talks about his journey from the Navy to Fintech, his interest in startups, cryptocurrencies, his shift from crypto to corporate, and how his team overcomes hurdles. Hear about how he shapes user engagement, the road ahead for Fintech, CBDCs, creating digital assets, and he gives a shameless plug for Mastercard.

Chad Arroyo, Labs as a Service Head of North America at Mastercard

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2021/5/24/19/c0409e34-ffb9-4f5d-99c7-4c387aa763d8_final_podcast_-_becky_getz.mp3

<h3>Episode Outline</h3>[01:24] Becky’s background[05:03] Capital One business partners[06:27] Customer centricity[07:51] Thinking about change[10:08] Growing a team from 30 to 500[13:02] Creating customer alignment[17:28] Separating the physical and the digital[20:04] Leading UX design teams[23:03] How did brand become so important?[26:49] Becky’s new role[30:17] Closing thoughts <h3>Connect with Becky</h3><a href="https://www.linkedin.com/in/beckygetzcreativeleader" rel="nofollow">LinkedIn</a>

Customer Centricity

In this conversation with Becky Getz, AWS Head of Customer Experience Operations, she talks about her career in UX design, her philosophy on customer centricity, and how she managed to grow a team from 30 to 500. Hear about how she thinks about customer alignment, her experience leading UX design teams, the importance of brand, and her new role.

Becky Getz, AWS Head of Customer Experience Operations at Amazon

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2021/5/10/17/0234d922-41d4-4729-82cb-a3a98775f617_final_podcast-_banmeet_singh.mp3

<h3>Episode Outline</h3>[01:56] Banmeet’s career arc[12:06] How has servicing changed over time?[17:41] Creating relevant experiences for customers[21:01] Curating experiences across different technologies[24:06] Identifying pain points[32:27] Call centers and FinTech <h3>Connect with Banmeet</h3><a href="https://in.linkedin.com/in/banmeetsin" rel="nofollow">LinkedIn</a><a href="https://www.americanexpress.com" rel="nofollow">Website</a>

Servicing and Customer Experiences

In this conversation with Banmeet Singh, Director of Product Management, Servicing Capabilities at American Express, he talks about his career arc, how servicing has developed over the years, and the way that technology enables the ideal experience for customers. Hear how Banmeet identifies pain points, the considerations with call centers and FinTech, and how he has been working to be the best concierge for the customer.

Banmeet Singh, Director of Product Management, Servicing Capabilities at American Express

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2021/5/4/16/4a01fa72-a720-45b7-8445-495431a1040e_ep_12_-_internal_podcast.mp3

<h3>Episode Outline</h3>[01:21] Introducing the team[03:40] Defining a virtual credit card[05:43] New and different use cases[17:51] Seamlessly adapting a virtual card into existing experiences[23:26] Creating a virtual card program <h3>Connect with the Kunai Team</h3><a href="https://www.kunaico.com/" rel="nofollow">Kunai Website</a><a href="https://www.linkedin.com/in/tom-baldwin" rel="nofollow">Tom Baldwin</a><a href="https://www.linkedin.com/in/tbhasin" rel="nofollow">Tarun Bhasin</a><a href="https://www.linkedin.com/in/omeideshraghi" rel="nofollow">Omeid Eshraghi</a><a href="https://www.linkedin.com/in/barrykyle" rel="nofollow">Kyle Barry</a>

All In on Virtual Cards

In this internal conversation with the Kunai team, they talk about virtual credit cards. Hear about the new and exciting use cases for virtual cards, how virtual cards can be adapted into existing experiences, and where to start with creating a virtual card program.

Omeid Eshraghi, Senior Product Manager at Kunai

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2021/4/26/16/1503b068-5c77-4e2a-815b-cff9460df4f4_final_podcast_-_rajil_jain.mp3

<h3>Episode Outline</h3>[01:37] Rajil’s background[07:42] The elements of the data process[14:06] A day in the life[20:30] Determining accuracy[24:01] Factoring in “big unknown” events[27:39] Interesting, exciting things happening in the data science space[32:02] Tips, tricks, and what to look for as a data scientist <h3>Connect with Rajil</h3><a href="https://www.linkedin.com/in/rajil-jain-86a01719" rel="nofollow">LinkedIn</a>

Developments in Data Science

In this conversation with Rajil Jain, Data Scientist at Facebook, he talks about data processes, the different elements of the process, and we hear what a day in the life of a data scientist looks like. Rajil talks about accuracy and recall, how to factor in unexpected events, and he elaborates on some of the exciting developments in data science.

Rajil Jain, Data Scientist at Facebook

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2021/4/9/17/4b745967-d90b-4801-83ee-2cc35990de3c_final_podcast_-_ofri_rom.mp3

<h3>Episode Outline</h3>[01:01] Ofri’s background[03:47] Getting 21 talented research engineers to join his company[05:23] Ofri’s insights on Data Science[06:43] Separating product and insight[10:48] Challenges with unstructured data[14:00] Training an algorithm[16:34] Data visualisation[18:44] Ofri’s many patents[23:33] The GDPR’s impact[25:10] Ofri’s advice <h3>Connect with Ofri</h3><a href="https://il.linkedin.com/in/ofri-rom-6a1a3928" rel="nofollow">LinkedIn</a><a href="https://zencity.io" rel="nofollow">Website</a>

All in on Data Science

In this conversation with Ofri Rom, Head of Data Science at Zencity, he talks about all things data science. He elaborates on the processes, insights, and the many challenges involved in working with data. He also talks about training algorithms, visualizing data, and the GDPR’s impact on data science.

Ofri Rom, Head of Data Science at Zencity

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2021/3/22/18/ea1d47e8-db07-4684-8cea-ea0a3943ecf5_final_podcast_-_emm_pakdee.mp3

<h2>Episode Outline</h2>[01:26] Emm’s background[10:41] Emm’s design process[20:12] Managing the ‘alpha individual’ notion[21:36] Performing user feedback sessions[24:08] Receiving customer feedback and continuous improvement[29:33] New design trends[32:00] Tools for facilitating remote design activities <h2>Connect with Emm</h2><a href="https://www.linkedin.com/in/emm-pakdee-12a9407" rel="nofollow">LinkedIn</a><a href="https://www.vitechinc.com/" rel="nofollow">Website</a>

Design Trends and the Importance of User Feedback

In this conversation with Emm Pakdee, Director of UX/Product Design at Vitech Systems, he talks about his journey from music into UX design, his design process, and leveraging new design trends. He emphasizes the importance of user feedback and implementing changes, he talks about how he performs user feedback and manages the ‘alpha individual’, and the various tools he uses to continue facilitating design activities during the Covid-19 pandemic.

Emm Pakdee, Director of UX/Product Design at Vitech Systems Group

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2021/3/8/17/9f763370-935d-48c9-8e43-f9e570804183_final_podcast_-_eric_sager.mp3

<h2>Episode Outline</h2>[00:56] Eric’s first job at Capital One[03:32] Keeping Plaid’s momentum after a huge change[06:13] The next steps for Plaid[10:06] Unlocking financial freedom for everyone[13:33] Discovering and fostering random projects[16:48] The possibility of replacing ACH[19:11] How does consulting serve Eric in his leadership roles at startups? <h2>Connect with Eric</h2><a href="https://www.linkedin.com/in/eric-sager-a529516" rel="nofollow">LinkedIn</a><a href="https://plaid.com" rel="nofollow">Website</a>

Changing FinTech

In this conversation with Eric Sager, COO at Plaid, he talks about innovation at Plaid, and the role of Plaid in the changing FinTech industry. He also talks about plans going forward after the cancelled Visa merger, Plaid’s mission to unlock financial freedom for everyone, and the fostering of random but powerful new projects.

Eric Sager, COO at Plaid

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2021/2/18/18/c4b81ad9-5138-4325-b22d-dff3b3f65dca_final_podcast_-_gustavo_cruz.mp3

<h2>Episode Outline</h2>[02:10] Gustavo’s background[04:00] Coming to the US[05:16] Getting into design[08:25] Gustavo’s first computer[13:40] The road to Citi[21:48] Bringing great design to a bank[25:34] How did Gustavo build high-performing creative teams?[30:33] What trends are Gustavo seeing? <h2>Connect with Gustavo</h2><a href="https://www.linkedin.com/in/ogustavocruz" rel="nofollow">LinkedIn</a><a href="https://www.instagram.com/ogustavocruz" rel="nofollow">Instagram</a><a href="https://gustavocruz.com/" rel="nofollow">Website</a>

From MS Paint to Google

In this conversation with Gustavo Cruz, Interaction Designer at Google, he talks about his journey from Brazil to the US, starting out using Paint for design, and ultimately dedicating his life to UX design. He also talks about how to bring great design into a bank, the turn of events leading up to his position at Citibank, and he elaborates on some of the trends he’s seeing.

Gustavo Cruz, Interaction Designer at Google

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2021/2/11/18/6ade2a05-7352-4ec9-bcb8-7dcf4f3fb9d3_final_podcast_-_rob_thacher.mp3

<h2>Episode Outline</h2>[01:20] About BankShift[02:11] Solving the problem of controlling your money between banking institutions[05:17] Rob’s work on CreditWise products[07:34] CreditWise metrics[08:47] BankShift’s launch and what to expect[10:31] The BankShift business model[13:13] BankShift as the de facto banking app for some banking institutions[16:18] Starting a company in the midst of the Covid-19 pandemic <h2>Connect with Rob</h2><a href="https://www.linkedin.com/in/thacher/" rel="nofollow">LinkedIn</a><a href="https://bankshift.com/" rel="nofollow">BankShift</a>

The Mobile Banking Experience

In this conversation with Rob Thacher, Co-Founder and CEO of BankShift, he talks about FinTech, how he’s working to solve problems in mobile banking experiences, and BankShift’s model to stay ahead of the game. He also talks about his experience working at Capital One, and we hear about what to expect in BankShift’s future.

Rob Thacher, Co-Founder and CEO at BankShift

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2021/2/11/18/3523c8cd-bffa-44ee-81e7-8f982338a9ac_final_podcast_-_robin_beers.mp3

<h2>Episode Outline</h2>[02:45] Robin’s background[07:53] Emotion in user-centric design[14:39] Constant iteration in design[18:10] Processes[26:53] The evaluation period[28:57] Descaling and empowering individuals[32:24] Diversity and inclusion as core values <h2>Connect with Robin</h2><a href="https://www.linkedin.com/in/robin-beers-phd-designinsightsleader/" rel="nofollow">LinkedIn</a> <a href="https://twitter.com/robinbeers" rel="nofollow">Twitter</a>

User Centric Design

In this conversation with Robin Beers, SVP Product Design and Insights at Wells Fargo, she talks about user-centric design, complications in processes, and constantly iterating in design. She also talks about conducting user-feedback evaluations, descaling and empowering the workforce, and creating a culture of inclusion and diversity.

Robin Beers, SVP Product Design and Insights Leader at Wells Fargo

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2021/1/19/21/d9c7deb6-7090-44ed-9b6e-2dc181c01dcb_final_podcast_-_edward_morabito.mp3

<h2>Episode Outline</h2>[01:14] Edward’s background[08:27] Agile[12:33] Web to Web Mobile to Omnichannel[15:45] What informs Edward’s channel strategy?[19:22] Innovation versus enhancing[23:42] How does Edward build a high-performing team?[27:15] Alignment and diversity of thought[28:45] What are some trends Edward is seeing?[34:36] Virtual reality <h2>Connect with Edward</h2><a href="https://www.linkedin.com/in/edward-morabito" rel="nofollow">LinkedIn</a>

Building teams at AMEX, trends and VR

In this conversation with Edward Morabito, Director of Product Management at American Express, he talks about working with Agile, his channel strategy, and how to build a high-performing team. He also elaborates on some of the trends he’s seeing and how virtual reality could be implemented in scenarios other than gaming.

Edward Morabito, Director of Product Management at American Express

https://s3.us-east-2.amazonaws.com/pod-public-media-files/2021/1/5/20/6cdb6a77-f9b6-4a89-8979-d6ad7cc71ec2_final_podcast_-_mark_jamison.mp3

<h2>Episode Outline</h2>[01:05] Mark’s background[02:08] Maxmiles, Inc.[04:15] The technical challenges in 1999[06:49] Launching a FinTech now vs in the 90s[09:43] The most effective role for a corporate labs division[11:34] Mark’s ideation process[14:13] What sets apart an executive for labs as opposed to other managerial positions?[16:58] The metrics and intangibles[20:47] Collaboration and working remotely during the pandemic[23:45] The most significant changes to visa in the coming years due to cryptocurrency[28:00] How Mark’s diverse education background has helped his business[31:00] How music has inspired him and what role it has played in the way he thinks about innovation <h2>Connect with Mark</h2><a href="https://www.linkedin.com/in/markrjamison" rel="nofollow">LinkedIn</a>

From the Basement to Global Innovation

In this conversation with Mark Jamison, Global Head of Innovation at VISA, he talks about his journey starting with running his first business in a friend’s basement and doing so with the limited internet technology available in the late 90s. He tells us about his ideation process at VISA, which metrics he looks at, and how the pandemic has affected collaborative work. He also looks at the future of VISA regarding cryptocurrency, and how his interesting educational background has shaped the way he does business.

Mark Jamison, Global Head of Innovation at Visa

Join us as we unpack emerging trends and changes in digital transformation with the executives, entrepreneurs, and investors responsible for shaping the future of their industries. In these interviews, you can expect to hear candid conversations about the future of technology and the role it plays at some of the largest organizations in the world. Our hosts are members of the Kunai team, an agency that has been building software products for over twenty years.