Dexter welcomes back Josh Foreman to discuss their global expansion and recent Series C capital raise.

Josh first appeared on the show in 2020 and he shares the lessons he has learned from writing Indebted's first line of code to launching in 7 countries!

Chapters

00:00 Introduction to Indebted and Its Mission
03:04 The Evolution of Technology in Debt Collection
09:08 Disrupting Traditional Debt Collection Models
15:00 The Future of Credit Infrastructure
18:03 Lessons Learned and Strategic Insights
30:42 Scaling a Global Business
35:59 The Role of Intuition in Decision Making
39:00 Raising Capital in a Challenging Environment
45:41 The Future of Fintech and AI Innovations

Find out more about Indebted - https://www.indebted.co/careers/

You can find previous episodes with Josh -

2020 - https://tieronepeople.com/2020/11/11/josh-foreman-indebted-fintech-australia-podcast/

2022 - https://youtu.be/iA0j-yejKDQ?si=ibKW4oNXZUxHaJpg

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Dexter Cousins interviews Antony Jenkins, the CEO and founder of 10X Banking, the core banking platform that makes banking ten times better.

Antony stands out in Fintech as the global CEO of Barclays who decided to start a fintech. Tune in for a deep dive into the challenges of core banking, the outdated technology in the banking sector, and how 10X helps banks like Westpac and Chase innovate fast.

We talk about fixing the banking technology silo problem, Antony's transition from a large bank to a startup, and his approach to creating a high-performance culture within 10x and how it differs to running a global bank.

Antony also shares his thoughts on the future of fintech, opportunities in the Australian market (and their partnership with Constantinople) plus his advice for banking professionals considering a move to fintech.

Find out more https://www.10xbanking.com/

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Antony Jenkins, CEO and Founder of 10x Banking joins Dexter Cousins to talk about the Future of 10x and the Fintech Industry - Full interview available Monday 7th April

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In this episode of Fintech Chatter, Dexter Cousins interviews Julian Fayad, CEO of LoanOptions.ai about the challenges and advantages of bootstrapping a fintech company from the ground up.

LoanOptions.ai aims to revolutionise the loan application process. Julian shares insights into how they’re using AI to build a mobile first loan application process.

Julian first appeared on the show in 2023. We chat about his progress and the lessons he has learned over the past two years. Julian also talks about the transition from a broking business to a technology-focused company, and the launch of Synapses, the API services hub for Fintech!

We also discuss the launch of HAILO and LoanOptions.ai, expansion into New Zealand and future plans for market expansion into the US and UAE.

Find out more: https://loanoptions.ai

Chapters

00:00 The Bootstrap Journey of a Fintech Founder

02:12 Innovating the Loan Application Process

10:45 Transitioning from Broking to Technology

18:04 Launching New Products and Partnerships

25:49 Building an API Services Hub for Fintechs

26:48 Navigating B2B Partnerships and SaaS Pricing Strategies

32:05 Transitioning from Brokerage to Tech: Lessons Learned

35:21 Building a Cohesive Team and Company Culture

39:47 Innovative Talent Acquisition Strategies

41:45 Valuable Lessons in Business Partnerships

46:22 Expanding Horizons: New Markets and Future Plans

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In this episode of Fintech Chatter, Dexter Cousins chats to Nathan Walsh and Michael Starkey, Co-Founders of Athena Home Loans.

Making their long awaited return to the show, Nathan and Michael discuss their journey over the past four years, and the insane challenges they’ve had to navigate as interest rates rose rapidly and funding markets dried up.

According to Wikipedia Athena was the patron goddess of heroic endeavor; she was believed to have aided the heroes Perseus, Heracles, Bellerophon, and Jason. She may have also aided Michael and Nathan over this last few years!

We ask Nathan and Michael the tough questions like how do you compete with banks, balance innovation with regulatory requirements, navigating the rapid interest rate rises since 2022, and the importance of partnerships.

Nathan and Michael also share their secrets to building a resilient team and maintaining a strong company culture as they aim for the next stage of growth and innovation in the home loan sector.

Chapters

00:00 Introduction to Athena Home Loans
03:38 Founding Story and Vision
05:48 Tech Fin vs Fin Tech: Athena's Position
07:32 Navigating Regulation and Innovation
11:48 Challenges of Distribution in a Fragmented Market
13:34 Impact of Interest Rate Rises on Fintech
19:45 Lessons from Big Banks
23:23 Partnerships and Growth Opportunities
29:29 Cultural Alignment in Partnerships
33:47 The Journey of Co-Founders
37:59 Hiring The Right People
40:51 Navigating Growth and Change
45:09 Reflections on Past Experiences
48:40 Future Aspirations and Growth

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In this episode of Fintech Chatter, host Dexter Cousins speaks with Di Challenor and Macgregor Duncan, co-founders of Constantinople, about their journey in building the Operating System for banks.

Constantinople is the most ambitious startup in Fintech, tackling the most complex problem in Fintech, rethinking how banks become fully digital.

Tune in as Mac and Di discuss the challenges of winning banking clients, the importance of establishing trust, and the strategies behind their successful capital raising efforts.

We revisit our first interview in 2023 and talk through the challenges and learnings of the past two years. As they look to the future, they share their vision for Constantinople and the endless quest for excellence.

Chapters

00:00 Introduction to Constantinople
04:09 The Evolution of Banking Technology
07:17 Challenges in Client Acquisition
10:10 Building Trust and Credibility
12:53 Creating a New Category in Banking
16:04 Navigating Capital Raising
19:03 The Importance of Execution
25:02 Scaling the Business
34:08 The Importance of Documentation in Scaling
36:49 Driving Excellence in Early Stage Companies
42:45 Commitment to Excellence: Attracting the Right Talent
49:07 Identifying and Filling Skill Gaps
53:15 Future Vision: Building a Multi-Tenanted Banking Platform

Find out about careers: https://www.cxnpl.com/

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In this episode of Fintech Chatter podcast, Dexter Cousins chats with Justin Greenstein, CEO of 1835i, about the evolution of corporate venture capital in Australia’s banks.

Justin shares insights on the structure and strategy of 1835i, its investment thesis, and the importance of aligning with ANZ's overarching strategy.

We get Justin's top tips for partnering with a CVC, his thoughts on the future of fintech in Australia, and what he sees as the Biggest untapped opportunity in Fintech.

About 1835i

As ANZ Bank’s external innovation partner, 1835i invest in and partner with fintechs that are focused on homeowners, small and medium sized businesses, trade and capital flows, and transforming businesses through data, analytics and digital technologies.

Notable Fintech investments include Airwallex, Cash Reward, Lendi, Valiant, Datamesh, Slyp and Citoplus.

Chapters

00:00 How To Raise Capital From a Big 4Bank - Justin Greenstein, CEO of 1835i

04:24 The Evolution of 1835i: From ANZ to Independence

09:05 Understanding Corporate Venture Capital vs. Traditional VC

14:27 Horizon 2 and Horizon 3: Future Technologies and Startups

19:22 Success Stories and Strategic Partnerships

24:21 Navigating the VC Landscape and Founder Expectations

29:06 The State of Fintech in Australia and Globally

34:19 The Untapped Opportunities in Fintech

39:00 Closing Thoughts and Future Directions for 1835i

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Vincent Gramoli - RedBelly Network

Dexter Cousins invites Vincent Grimoli, Founder and CTO of RedBelly Network to this week's Fintech Chatter Podcast. Vincent charts his journey in the blockchain environment from academia to entrepreneurship.

He outlines the innovative approach RedBelly Network takes towards the tokenisation of real-world assets and the need for collaboration between Tradfi and Defi.

Vincent shares insights on blockchain technology safety measures, the importance of compliance, and how he sees the future of fintech in Australia.

About RedBelly Network

Redbelly Network is a team of innovators, engineers, and visionaries committed to building a secure and inclusive blockchain ecosystem.

RedBelly Network believes in the power of collaboration — within both their team and the global community, working towards reshaping the future of finance and technology.

About Vincent Gramoli

Vincent Gramoli is the Founder and CTO of Redbelly Network and the Head of the Concurrent Systems Research Group at the University of Sydney.

Vincent has chaired the Cybersecurity Committee for the Computing Research and Education Association of Australasia (CORE) and the Blockchain Technical Committee for the Australian Computer Society.

His accolades include the Digital National Facilities & Collections Award from CSIRO, the Best Paper Awards at ICDCS’21, IPDPS’22, ICDCS’22 and DSN’24 for his research on blockchains.

He received the Education Leader of the Year Award from Blockchain Australia and the Future Fellowship from the Australian Research Council.

Vincent has been affiliated with INRIA, Cornell, Data61 and EPF.

Key Takeaways

• RedBelly Network aims to provide a compliant blockchain solution for traditional finance.
• The company focuses on tokenising real-world assets to lower barriers for retail investors.
• Safety measures include linking accounts to real-world identities to ensure accountability.
• The collaborative approach to scalability is a key feature of RedBelly Network's technology.
• Commercialising innovation in Australia can be a lengthy process due to regulatory hurdles.
• Emphasising the importance of learning business skills for tech founders.
• Building stong networks is crucial for finding talent in niche markets.
• Investor interest in compliant asset tokenisation is growing.
• RedBelly Network aims to reduce transaction fees by maintaining a fixed fee structure.

Sound Bites

• "We're entering a new era with tokenisation."
• "I had to learn the business side of things."

Chapters

00:00 Introduction to Vincent and Red Belly Network

05:27 Navigating Regulation in Blockchain

08:58 Tokenisation of Real-World Assets

12:08 Safety Measures using Layered Technology

19:33 Transitioning from Tech to Business

24:36 Hiring the right Talent

27:19 The Challenge of Funding

30:51 Reducing Fees for Consumers

34:30 The Pro-Crypto Movement

39:23 Learning from TradFi for Future Innovations

41:33 Future Plans for RedBelly Network

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