Shows
ConvergeHow to build onchain rails banks actually want to run, with TesserIn this episode, Alex Lawrence, Alanna Frost and Akash Patel sit down with Geetha Panchapakesan, Founder and CEO of Tesser and Dana Weinstein, Head of Product and Operations at Tesser to unpack why cross-border payments are still so broken, how stablecoins can make money movement faster and more predictable, and why banks and PSPs don’t need to become crypto startups to get on chain. They also explore the hidden costs of pre-funding, the pressure on financial institutions to modernize, and what it takes to build compliant infrastructure for the future of payments.Disclaimer: Converge is Convera’s pod...
2026-04-0841 min
ConvergeMarket update: Q1 2026 market review - Volatile geopolitics, AI, and market uncertaintyIn this Market Update, host Alex Lawrence sits down with Kevin Ford to break down a volatile Q1 2026 shaped by geopolitical shocks, uneven market performance, and rising uncertainty around inflation and growth. They discuss how the US‑Iran conflict, higher oil prices, and tightening financial conditions are affecting markets—alongside pressure from large‑scale AI spending and growing concerns in private credit.Looking ahead, the conversation explores what could come next if tensions persist into Q2, including the potential impact on inflation, central bank policy, currencies, and risk appetite.Topics covered include:• Geopolitics as the dominant...
2026-04-0112 min
ConvergeBuilding Trust in Global Digital Infrastructure with The Hashgraph Group | HederaThis week, we sat down with Stefan Deiss, CEO of The Hashgraph Group, to discuss the transformative potential of Hedera Hashgraph in cross-border payments, digital identity, ESG markets, and enterprise solutions. Stefan reveals how trust, transparency, and innovative projects are shaping the future of digital infrastructure, with highlights of impactful financial services projects built for the Hedera Hashgraph ecosystem, one of the most promising public blockchains for enterprise use cases.Chapters00:00 Introduction to Hashgraph and DLT02:58 The Role of Hashgraph in Cross-Border Payments06:08 Hashgraph Group's Mission and Enterprise Solutions09:09...
2026-03-2526 min
ConvergeMarket Update: AI-driven froth, middle east volatility shake up marketsThis week, host Alex Lawrence sat down with FX and Macro Analyst Antonio Ruggiero to analyze the impact of the escalating Middle East conflict on global markets, central bank policies, and the US dollar. They explore how geopolitical tensions influence energy prices, inflation expectations, and currency dynamics, providing insights for investors navigating uncertain times.Disclaimer: Converge is Convera’s podcast that discusses a range of financial services topics. We want to remind our listeners that the information shared on this podcast is for informational purposes only and should not be considered financial advice. Please no...
2026-03-1810 min
ConvergeA Career Crossing Borders: Female Leadership and the Future of Payments with Convera CCO Meaghan Riley.This week, host Alex Lawrence sat down with Meaghan Riley, newly appointed Chief Commercial Officer at Convera, to dive into her journey as a female leader in tech and finance in celebration of International Women's Day. Meaghan shares her views on the importance of diversity and inclusion, and explores the future of cross-border payments and AI in financial services where the signal is going beyond the noise. Meaghan also shares her practical advice for women in fintech, the impact of global culture on leadership, and how Convera is specifically innovating in the payments industry as...
2026-03-0920 min
ConvergeMarket Update: Fast-moving conflict roils markets, fueling oil-led macro risksIn this episode, Steven Dooley, head of market insights at Convera, discusses the recent geopolitical tensions in the Middle East, their impact on global markets, oil prices, safe havens, and implications for risk management and macroeconomic outlooks.Disclaimer: Converge is Convera’s podcast that discusses a range of financial services topics. We want to remind our listeners that the information shared on this podcast is for informational purposes only and should not be considered financial advice. Please note that the opinions expressed on Converge are solely the opinions of the host and the guests, not Convera’s.
2026-03-0414 min
ConvergeMarket Update: AI's disruptive impact amidst ongoing tariff uncertaintyOn this episode of Converge, host Alex Lawrence sits down with market strategist George Vessey to unpack the chaos shaping today’s global economy. From the shockwaves of AI disruption to mounting trade friction and escalating geopolitical tensions, George breaks down what’s driving the turbulence — and what it all means for investors trying to navigate an increasingly unpredictable world.Disclaimer: Converge is Convera’s podcast that discusses a range of financial services topics. We want to remind our listeners that the information shared on this podcast is for informational purposes only and should not be considered financia...
2026-02-2513 min
ConvergeThe Trust Factor: Solving the Cross-Border Verification Gap with IPIDJoin host Alex Lawrence, Akash Patel and Alanna Frost of Convera as they sit down with Damian Dugauquier, co-founder and CEO of IPID (International Payment Identity). With experience at SWIFT, Damian and his team are building the "seat belts" for the global financial highway. In this episode, we dive into:The Power of the "Green Tick": How real-time account verification is revolutionizing user experience and building ironclad trust.Beyond Speed and Cost: Damian shares three "unsexy" but transformative shifts in cross-border payments, from the explosion of rail optionality to the power of inbound tracking.The Mission for Universal Vali...
2026-02-1830 min
ConvergeMarket Update: Jobs report surprises amidst AI boom and K-shaped recoveryIn this episode, Alex Lawrence and Kevin Ford break down the latest US job numbers and what they reveal about the current state of the economy. Their conversation examines the fragility of the labor market, the unexpected job growth seen in January, and the growing disconnect between economic expansion and job creation. They also discuss how AI is influencing productivity and employment trends, as well as the uneven pace of economic recovery across different income groups. Together, these insights offer a snapshot of today’s evolving economic environment, marked by a “jobless boom” and the complexities introduced by rapid techno...
2026-02-1109 min
ConvergeModernizing global rewards programs with ShareforceThis week, Alex Lawrence speaks with Adva Lewitte from ShareForce about modernizing global reward programs. They discuss the challenges of traditional incentive management, the importance of automation and integration, and how technology can enhance employee engagement. Adva shares insights on navigating complexities in multi-country share plans and the impact of remote work on employee ownership. The conversation also touches on real-world success stories of automation and the future of incentive technology.
2026-02-0424 min
ConvergeFX market uncertainty as USD continues to diveIn this week's market update, Alex Lawrence and Stephen Dooley discuss the significant movements in the FX markets over the past week, particularly the Japanese yen's weakness against the US dollar. They explore the potential for coordinated intervention by central banks, historical precedents like the Plaza Accord, and the current fiscal pressures facing Japan. The conversation highlights the complexities of currency interventions and the broader economic implications for the US dollar and global markets.Disclaimer: Converge is Convera’s podcast that discusses a range of financial services topics. We want to remind our listeners that the information sh...
2026-01-2812 min
ConvergeDeep Fakes, AI and International Education: Tech security in a high-risk era (The PIE re-broadcast))This week we're sharing a conversation from last month's The PIE webinar featuring Convera's Head of Content Alex Lawrence and the University of Denver's Janet Burkhardt. They delve into the escalating cyber threats faced by higher education institutions, particularly focusing on the rise of sophisticated fraud tactics such as ghost students and identity theft. They also discuss the vulnerabilities in international payment systems and the importance of robust data protection strategies. They emphasize the need for comprehensive staff training, collaboration across departments, and the role of technology providers in enhancing cybersecurity measures. Lastly, the discussion...
2026-01-2157 min
ConvergeAre markets mispricing a fractured world?2026 has started with a bang. Geopolitical risks are piling up - from US military intervention in Venezuela to fresh threats across the Americas, Iran, and even Greenland. And if that wasn’t enough, the US administration’s globally destabilising attack on the Federal Reserve has added another layer of chaos to the start of the year. Yet markets remain remarkably calm. And that’s the real danger. The quieter things look on the surface, especially with this many flashpoints building underneath, the more violent the eventual break tends to be.Disclaimer: Converge is Convera’s podcast that discusse...
2026-01-1412 min
ConvergeHow Small Businesses Are Navigating Global Payments in 2026To kick off 2026, host Alex Lawrence discusses the challenges ahead in navigating cross border payments and global business growth with UK-based small business leaders Colin Watton and Nalin Perera of LSP Group and Sunrise Products, Ltd. They explore the significance of FX risk for small businesses going in to the new year, the impact of geopolitical shifts on profitability, and strategies for managing currency volatility in yet another year of widespread uncertainty. Both guests share their experiences and insights on navigating international payments in these environments, emphasizing the importance of hedging and maintaining strong relationships with FX...
2026-01-0733 min
ConvergeAre you ready for 2026? USD on trialIn this episode of the Converge, Steven Dooley and Shier Lee Lim discuss the current state of currency markets, focusing on the US dollar's recent performance and its implications for global finance. They explore the breakdown of the dollar as a safe haven, the slow evolution of de-dollarization, and the impact of US policy on Asian currencies. The conversation highlights the complexities of risk management in today's financial landscape and the ongoing relevance of the dollar smile framework.Disclaimer: Converge is Convera’s podcast that discusses a range of financial services topics. We want to remind our li...
2025-12-1712 min
ConvergeAre You Ready For 2026? A new era of monetary policyThis conversation, hosted by Steven Dooley and featuring Kevin Ford as the speaker, explores how monetary policy is evolving, with growing attention on fiscal dominance and its impact on interest rates and foreign exchange markets. It also looks at how geopolitical tensions and shifts in central bank independence are adding new layers of complexity, making it increasingly difficult to forecast currency values in today’s fragmented global economy.Disclaimer: Converge is Convera’s podcast that discusses a range of financial services topics. We want to remind our listeners that the information shared on this podcast is for info...
2025-12-0319 min
ConvergeNavigating AI in financial services and risk management with Sara Madden and Tedd HuffThis week, host Alex Lawrence sat down with Sarah Madden, CISO at Convera, and fintech advisor and Voalyre founder, Ted Huff, to discuss the implications of AI in the financial sector, particularly in the context of cybersecurity and fraud prevention. They reflect on their experiences at Money 2020, emphasizing the rapid adoption of AI technologies and the challenges that come with it. The discussion highlights the need for businesses to understand their use cases for AI, the importance of trust in technology, and the potential future of artificial general intelligence (AGI) in financial services. Both Sara and Tedd...
2025-11-1834 min
ConvergeAre you ready for 2026? Understanding geopolitical risk todayGeorge Vessey and Antonio Ruggiero discuss the evolving nature of geopolitical risk, emphasizing its expansion beyond traditional armed conflict to include populism, protectionism, and anti-globalization narratives. They highlight the implications of these changes on the global economic landscape, From tariff-driven central bank dilemmas to the erosion of traditional fiscal anchors.Disclaimer: Converge is Convera’s podcast that discusses a range of financial services topics. We want to remind our listeners that the information shared on this podcast is for informational purposes only and should not be considered financial advice. Please note that the opinions expressed on Converge ar...
2025-11-1214 min
ConvergeBuilding AI-Driven Infrastructure to Accelerate Cross-Border Payments InnovationThis week, we're bringing you a panel discussion recorded live at Money2020 USA on Oct. 27th, 2025. The conversation is hosted by David Savage of the Tech Talks podcasts, and features Sudipto Das, VP of Engineering at Convera, Nilesh Dusane, Head of Institutional Payments at AWS, and Shawnna DelHierro, Chief Information Officer of SoundHound AI. They explore the intersection of AI and cross-border payments, highlighting the importance of generative AI, risk management, and the evolving role of humans in financial services. They also cover the challenges of implementing AI, including explainability and governance, while emphasizing the need for...
2025-11-0528 min
ConvergeAre you ready for 2026? Tariffs, liquidity and global growthIn this episode of the Converge podcast, Steven Dooley and George Vessey discuss the insights from the 'Are You Ready for 2026' research report, reflecting on the past year's market influences and looking ahead to the key themes shaping the FX landscape in 2026. They explore the impact of tariffs, monetary policy, and geopolitical factors on global growth and currency forecasting, focusing on the outlook for the British pound towards the end.Disclaimer: Converge is Convera’s podcast that discusses a range of financial services topics. We want to remind our listeners that the information shared on this po...
2025-10-2923 min
ConvergeLending in the AI Era with Brian Hamilton of OrigenceThis week, we sat down with Brian Hamilton, President of Origence Lending, to discuss the evolution of the lending landscape, the impact of technology, AI, automation, and the importance of compliance as the lending sector evolves. We cover how Origence has adapted to changes in consumer behavior and economic conditions, emphasizing the need for a frictionless experience in lending. We also chat about the role of alternative data in loan origination and the future of lending, including predictions about automation, AI, and consumer behavior.Disclaimer: Converge is Convera’s podcast that discusses a range of fi...
2025-10-2234 min
ConvergeThe Future of Authentication: Biometrics in Focus with Anonybit CEO Frances ZelaznyThis week, Frances Zelazny, CEO of Anonybit, sat down to discuss all things authentication in financial services, including how biometrics are revolutionizing identity verification, tackling fraud, and enhancing security. Frances shares her expertise on the challenges faced by small banks and the transformative power of privacy-preserving technologies. We cover the future of digital identity and the role of biometrics in creating a safer financial ecosystem.Disclaimer: Converge is Convera’s podcast that discusses a range of financial services topics. We want to remind our listeners that the information shared on this podcast is for informational purposes only an...
2025-10-0841 min
ConvergeCentral bank frenzy amidst rate cuts, uncertaintyIn this week's Market Update, Alex Lawrence and Steven Dooley discuss the recent movements in global currency markets, driven by central bank decisions. They analyze the impact of the Federal Reserve's rate cut on market sentiment, the performance of major currencies like the US dollar, euro, and pound, and highlight resilient currencies such as the Swiss franc and Mexican peso. The conversation also touches on the Australian dollar and the strength of the Chinese yuan and Japanese yen amidst ongoing economic challenges.Disclaimer: Converge is Convera’s podcast that discusses a range of financial services topics. We wa...
2025-09-2413 min
ConvergeCompliance as a competitive advantage in payments InfrastructureIn this episode of the Converge Podcast, Travis Mottershead from Very Good Security (VGS) discusses the intersection of compliance and payment infrastructure. He shares insights on how VGS differentiates itself in the fintech space by embedding compliance as a strategic asset rather than a mere checkbox. The conversation explores Travis's background, the unique implementation strategies at VGS, and the role of AI in shaping future payment flows. The episode concludes with predictions for the future of fintech and the importance of adapting to new challenges in the payment landscape.Disclaimer: Converge is Convera’s podcast that discusses a...
2025-09-1734 min
ConvergePolitical drama amidst market stabilityIn this conversation, Alex Lawrence and Kevin Ford discuss the recent political interference in the Federal Reserve, particularly focusing on the implications of Trump's actions and the potential reactions from foreign investors. They explore how these political dynamics are affecting market stability and investor sentiment, especially in light of upcoming economic data releases. The discussion also touches on inflation trends, the strength of the USD, and the impact of AI on market productivity, particularly with Nvidia's earnings on the horizon.Disclaimer: Converge is Convera’s podcast that discusses a range of financial services topics. We want to re...
2025-08-2715 min
ConvergeTariff ripple effects create tug-of-war between optimism and realityThis week, George Vessey and Alex Lawrence discuss the current state of global markets, focusing on the impact of tariffs, labor market dynamics, and the influence of political events on economic data. They explore how recent tariff announcements have affected trade flows and inflation, the Federal Reserve's response to labor market data, and the Bank of England's recent decisions regarding interest rates. The discussion highlights the complexities and uncertainties facing investors in today's economic landscape.Disclaimer: Converge is Convera’s podcast that discusses a range of financial services topics. We want to remind our listeners that the in...
2025-08-1313 min
ConvergeAI governance in financial services with Dave Trier of ModelOpThis week, we sat down with Dave Trier, VP of Product at ModelOp to discuss the critical importance of AI governance in financial services. We cover the challenges enterprises face in moving AI initiatives from ideation to production, the complexities of compliance in regulated industries, the impact of fragmented systems on operational efficiency, and the significance and surprising lack of AI assurance at the enterprise level. Our chat also highlighted the need for organizations to adapt to global regulations, balance innovation with governance investments, and establish a minimum viable governance framework to enable effective AI deployment. We...
2025-08-0631 min
ConvergeRisk-on sentiments driving moody global marketsFor this week's Market Update, Alex Lawrence and Steven Dooley discuss the current state of global markets, highlighting the positive mood in equity markets, the divergence in central bank policies, and the implications of recent global PMI data. They delve into the performance of the US dollar and other major currencies, as well as the key risks and uncertainties that lie ahead, particularly regarding trade tariffs and economic indicators.Disclaimer: Converge is Convera’s podcast that discusses a range of financial services topics. We want to remind our listeners that the information shared on this podcast is fo...
2025-07-3016 min
ConvergeThe evolution of payment systems with Tedd Huff of Fintech ConfidentialThis week, Alex Lawrence and Alanna Frost welcomed Tedd Huff - consultant, media maven and curator of the popular Fintech Confidential channel. In this episode, Tedd shares his extensive background in the industry, discussing the evolution of payment systems and the current landscape of digital assets. The conversation delves into key themes such as the impact of AI on fraud detection, the significance of regulatory changes for stablecoins, and the emerging trends in B2B payments. Tedd emphasizes the importance of having a stablecoin strategy and the potential of credit unions to play a pivotal...
2025-07-0941 min
ConvergeGovernance and security in the AI era with Prescient founder Sammy ChowdhuryThis week, Alex Lawrence and Alanna Nardella Frost sat down with Sammy Chowdhury to explore the complexities of security and compliance in the FinTech and cross-border payments industry. They discuss the challenges and hurdles faced by startups in achieving compliance, the importance of layered security controls, and the evolving landscape of regulatory requirements. They also delve into the role of AI in fraud detection and compliance, emphasizing the need for responsible AI governance as the industry moves forward.Disclaimer: Converge is Convera’s podcast that discusses a range of financial services topics. We want to re...
2025-07-0234 min
ConvergeThe "One API" simplifying payments in Africa and beyond, with Sid Gautam of FlutterwaveWe sat down with Sid Gautam, Head of Enterprise at Flutterwave, to discuss the challenges and innovations in cross-border payments, particularly in Africa. He shares insights on the evolution of stablecoins from his time with BVNK, the unique regulatory landscape in Africa, why stablecoins are so promising for emerging and underbanked markets, and how Flutterwave aims to simplify payments across multiple currencies and countries. We also touch on the importance of compliance, customer-centric innovations, and the future opportunities and challenges in cross-border.Disclaimer: Converge is Convera’s podcast that discusses a range of financial services to...
2025-06-1830 min
ConvergeTariff turbulence, bond selloffs, US dollar safe haven no more?This week, Head of Market Insights Steven Dooley discusses the current state of the market amidst ongoing uncertainty, particularly focusing on tariffs, equity market performance, the dynamics of the US dollar, and the strength of European currencies. He touches on how recent legal rulings on tariffs have impacted business operations and market sentiment, the rebound in equity markets, and the shifting perceptions of the US dollar as a safe haven. The conversation also highlights the performance of the Euro and British pound, as well as the technical patterns forming in the Japanese yen.
2025-06-0515 min
ConvergeThis month in fintech: Consolidation, acquisitions, and trepidation as volatility goes mainstreamIn this episode, hosts Alex Lawrence and Alanna Frost discuss the growing role of AI in finance - including how AI agents are now capable of managing end-to-end payment processes. They touch on the increasing interest in stablecoins among traditional banks, the rising demand for speed in payments, and how fintech is shifting towards deeper partnerships and operational efficiency. The conversation also highlights the evolving expectations of CFOs, with agility and risk management taking center stage.Check out the Convera Payments Pulse report for more on the shift.Brex CFO Imperative report for source material...
2025-05-2918 min
ConvergeUS fiscal concerns return to the foreIn this episode of the Converge Market Update, George Vessey and Steven Dooley discuss the recent developments in financial markets, focusing on the US-China trade deal, US fiscal concerns, the performance of the US dollar, and the implications of Australia's monetary policy shift. They analyze how these factors are shaping market sentiment and investor behavior, highlighting the ongoing uncertainty and the potential for future market movements.Disclaimer: Converge is Convera’s podcast that discusses a range of financial services topics. We want to remind our listeners that the information shared on this podcast is for informational purposes on...
2025-05-2218 min
ConvergeThe "Visa of BNPL" that's transforming embedded paymentsIn this episode, Bryce Deeney, CEO and founder of Equipifi, discusses the innovative approach of his company in the Buy Now Pay Later (BNPL) space. He shares his unique journey from being a professional poker player to leading a fintech startup that aims to disrupt traditional banking models. The conversation delves into the challenges of launching a new financial product, the future of embedded finance, and the potential expansion into the SME market. Bryce emphasizes the importance of consumer engagement and the operational efficiencies that Equipifi brings to financial institutions.Disclaimer: Converge is Convera’s podcast that di...
2025-05-1436 min
ConvergeHistoric Asian currency moves spark speculation of FX accordIn this episode of Converge, host Steven Dooley and Convera's lead APAC FX and global macro strategist, Shier Lee, discuss the significant movements in Asian currencies, particularly the Taiwanese dollar, and their implications for the broader FX market. The factors driving these changes include tariff worries, of course, but also trade and foreign equity flows, illustrating why these currencies have recently gained. The conversation also touches on the outlook for commodity currencies and the economic landscape across Asia, highlighting the interplay between currency movements and macroeconomic developments.Disclaimer: Converge is Convera’s podcast that discusses a range of...
2025-05-0712 min
ConvergeBlockchain meets the real-world: Stablecoins, last-mile payments, and financial inclusion with Stellar's Raja ChakravortiIn this conversation, Raja Chakravorti discusses the transformative potential of blockchain technology, particularly through the Stellar Development Foundation. He emphasizes the importance of creating accessible financial solutions for underserved populations, the role of tokenization and stablecoins in democratizing finance, and the significance of regulatory clarity in driving innovation. The discussion also highlights Stellar's partnerships and initiatives aimed at improving cross-border payments and expanding its reach in the APAC region.Disclaimer: Converge is Convera’s podcast that discusses a range of financial services topics. We want to remind our listeners that the information shared on this podcast is fo...
2025-04-3039 min
ConvergeMarket Update: Trump vs. Powell - the saga continuesIn this episode of Converge Market Update, George Vessey and Kevin Ford discuss the growing concerns surrounding the 'Sell America' trade, particularly in light of President Trump's threats to fire Federal Reserve Chairman Jerome Powell unless he cuts interest rates. They explore the implications of this tension on market dynamics, the importance of Fed independence, and the potential future of the US dollar amidst ongoing economic uncertainty.Disclaimer: Converge is Convera’s podcast that discusses a range of financial services topics. We want to remind our listeners that the information shared on this podcast is for informational pu...
2025-04-2320 min
ConvergeThe explosive growth of stablecoins with BlockFuelIn this podcast, Jody Flournoy from Blockfuel talks about how blockchain is shaking things up in traditional finance, especially when it comes to cross-border payments. The conversation covers why stablecoins matter, some of the challenges with international transactions, and what a "stablecoin sandwich" actually means. Jody also touches on where digital treasuries could be heading, how crypto regulations are shaping up, and the mix between permissioned and permissionless tech in finance. It all comes back to the importance of transparency, trust and staying adaptable as the financial world keeps changing. Disclaimer: Converge is Convera’s podcast that di...
2025-04-1639 min
ConvergeMarket Update: A week where decades happenIn this conversation, George Vessey and Kevin Ford discuss the recent turbulence in financial markets triggered by Trump's aggressive tariff policies. They explore the implications of these tariffs on the economy, the potential for a 'hard reset' theory suggesting a deliberate slowdown to pressure the Federal Reserve, and the challenges of balancing economic policies amidst rising inflation and market volatility. The discussion also delves into the weakening US dollar and its impact on global markets, highlighting the uncertainty and complexity of the current economic landscape.Note: Recorded before Trump's recent U-turn on tariffs.Disclaimer: Converge...
2025-04-1020 min
ConvergeTokenizing real estate and the future of fractionalized investing with Jack Land of MetaWealthReal estate tokenization is changing how people invest in property. In this episode, hosts Alex Lawrence and Alanna Frost speak with Jack Land, Head of Marketing and UK Growth at MetaWealth, about how blockchain - specifically Solana - enables fractional ownership of high-end real estate. They discuss the benefits of tokenization, regulatory challenges, and how ESG principles shape asset selection. The conversation also explores the broader implications of Web3 for traditional finance and how real-time tracking of rental yields builds investor trust. Tune in for insights from the latest Fintech Meetup and deep dive into real-world asset...
2025-04-0238 min
ConvergeMarket Update: Confusion aboundsIn this episode of the Converge Market Update, George Vessey, Lead FX & Macro Strategist, and Steven Dooley, Head of Market Insights, discuss the ongoing tariff developments and their impact on financial markets. They explore the mixed economic data trends, the responses from central banks, and the contrasting signals from consumer confidence and commodity prices. The conversation also delves into the recent movements in the FX market, highlighting the performance of various currencies amidst the prevailing uncertainty.Disclaimer: Converge is Convera’s podcast that discusses a range of financial services topics. We want to remind our listeners that th...
2025-03-2618 min
ConvergeAI Agents vs the 'Scamdemic' & Stablecoins as a Universal Payment Layer, with Simon Taylor of Fintech Brain FoodAlex Lawrence and co-host Alanna Frost sit down with fintech expert Simon Taylor from Sardine and Fintech Brainfood to talk about the "scamdemic" facing financial services and how AI is fighting back. Simon shares how his company is using AI to tackle fraud, streamline KYC, and reduce false positives. He also makes a strong case for stablecoins as a "universal layer" for payments - and why every business needs a stablecoin strategy. Disclaimer: Converge is Convera’s podcast that discusses a range of financial services topics. We want to remind our listeners that the information shared on th...
2025-03-1942 min
ConvergeMarket Update: Reversal of fortunes at playIn this episode, Steven Dooley, Head of Market Insights, and George Vessey, Lead FX and Macro Strategist, break down the market volatility sparked by President Trump's tariff policies. They talk about the impact on the US economy, the chances of a recession, and the weakening dollar. They also discuss why the euro is staying strong despite major changes in Europe. The conversation wraps up with insights into how currencies are reacting to shifting geopolitical and economic landscapes. Disclaimer: Converge is Convera’s podcast that discusses a range of financial services topics. We want to remind our listeners th...
2025-03-1215 min
ConvergeUnlocking liquidity: The impact of DeFi on cross-border payments with Nkiru Uwaje of MANSAIn this episode of Converge, we're joined by Nkiru Uwaje, COO and Co-Founder of MANSA, to talk about the big shifts happening in cross-border payments. She breaks down how decentralized finance (DeFi) and stablecoins are making transactions faster, cheaper, and more accessible - especially in emerging markets where getting US dollar liquidity isn't always easy. We get into why liquidity is such a big deal, how stablecoins cut out the middleman, and what businesses need to know about regulation. Nkiru also shares her thoughts on tokenization and how it could open up new ways to invest and...
2025-03-0635 min
ConvergeMarket Update: Trump 'tariff fatigue' at a turning point?Markets are shifting—have we reached a turning point? This week, Steven Dooley joins us to discuss “tariff fatigue” in FX markets, the slowing US economy, and its impact on the dollar, bond yields, and equities. Meanwhile, Europe is showing signs of resilience, driven by stabilizing economic data, hawkish ECB signals, and lower energy costs. We also break down key FX moves, including the weakening dollar and strengthening euro, and what rising inflation means for central bank policy.Chapters00:00 Current State of the US Economy05:05 Market...
2025-02-2614 min
ConvergeDemocratizing financial advice for small businesses: The AI + human balance with Uprise's Jessica Chen RiolfiWe sat down with Jessica Chen Riolfi, co-founder and CEO of Uprise, about her journey in the fintech industry, the challenges small business owners face in financial planning, and the promising role (and pitfalls) of AI.We touched on Uprise's unique approach to financial advisory combining the best of human support, embedded services, and AI. We also discussed the importance of partnerships in building best-in-class embedded finance and payments experiences, and the future of diversity, inclusion, and community impact in the fintech ecosystem.Chapters00:00 Introduction to Jessica...
2025-02-1922 min
ConvergeMarket Update: Inflation, tariffs & the Fed’s next moveIn this episode, FX and Macro Analyst George Vessey discusses the current macroeconomic landscape, focusing on inflation, tariffs, and their impact on markets.He highlights the persistent inflationary pressures, the evolving trade tensions under Trump's policies, and the implications for the US dollar..We also cover the volatility in markets due to these factors and provides insights into the Fed's stance on interest rates, concluding with key takeaways for investors.Chapters00:00 Inflation and Market Volatility03:12 Trade Tensions and Tariff Impacts05:56 The...
2025-02-1112 min
ConvergeClosing the visibility gap: Combating fraud with big data, AI and device intelligenceThis week, we sat down with Soups Ranjan, the co-founder and CEO of AI risk management platform, Sardine, to chat about the evolution of fraud prevention technologies in the AI era. We touch on the importance of partnerships in the fintech space, and the challenges posed by AI in fraud detection - including how Sardine uses AI to detect deepfakes and improve identity verification.Soups' shares his belief in the need for a culture of transparency and vulnerability among businesses in sharing information about fraud incidents, and how Sardine's information-sharing consortium, Sonar, is closing the gap between...
2025-02-0529 min
ConvergeMarket Update: Trump delivers uncertainty and unpredictabilityIs the U.S. recession still on the horizon, or has resilience pushed it further out? Can Europe’s economy surprise to the upside despite the gloom? How will inflation data shape central bank policies in the coming months?This week, we break down the February Global FXOutlook and the market’s reaction to Trump 2.0. From the initial USD rally post-election to its sharp pullback on tariff uncertainties, we analyze key FX moves across the euro, pound, and Aussie dollar. Tune in for the latest from Convera Head of Market Insights, Steven Dooley.Disc...
2025-01-3017 min
ConvergeThe present and future of payments in Colombia, LatAm's 4th largest economyLatAM is a hotbed for fintech innovation, and Colombia - LatAm’s 4th largest economy - occupies a unique position in global commerce. In this episode, we sat down with Christian Guevara Téllez and Luis Felipe Aparicio of Colombian brokerage firm, Acciones y Valores S.A., to discuss the cross-border payment landscape in Colombia. We touch on the unique regulatory challenges faced in Colombia, the importance of serving SMEs (Small-Medium Enterprises) in the economy, and how Acciones y Valores is leveraging technology, including AI, to enhance payment processes, and how Colombian businesses are looking forward and embracing the sei...
2025-01-2423 min
ConvergeMarket Update: New year, similar challenges with volatility on the horizonThe global bond sell-off continues to reverberate through markets, US economic resilience has dampened Fed rate cut bets, equities are falling, the dollar is surging and UK assets, including the pound, are tumbling – welcome to 2025.After a fairly turbulent 12 months, people are wondering what 2025 may hold in store. It’s that time where it’s not uncommon to see calls by analysts for the year ahead becoming obsolete. Join UK FX Analyst George Vessey as he breaks down this week's macroeconomic news with a focus on the GBP.Disclaimer: Converge is Convera’s podcast...
2025-01-1514 minConvergeBrightwell on the future of global payroll, embedded payments, and new payment railsTo kick of a new year of Converge conversations, we sat down with Hal Ramakers, Senior Vice President of Global Solutions at Brightwell, to discuss the evolution of Brightwell from its origins in maritime payroll for the cruise line industry to its current role in providing cutting-edge cross-border payment solutions. We cover the challenges faced in global payroll solutions, the importance of leading with a great user experience, the evolution of Brightwell's ReadyRemit and Latitude solutions, the need for cultural adaptability in payment solutions, and the ever-evolving future of cross-border payments, including the role of new rails...
2025-01-0824 min
ConvergeMarket Update: Outsized optimism meets tariffs, trade uncertainties in 2025This week, Convera Head of Market Insights, Steven Dooley, discusses the significant market reactions following the 2024 US election, the impact of tariffs on foreign exchange markets, macroeconomic trends including interest rate cuts, and the outlook for 2025 amidst geopolitical tensions. We explore how the election results influenced investor sentiment, the implications of tariff discussions on various currencies, and the overall economic landscape as we look forward to the new year.Disclaimer: Converge is Convera’s podcast that discusses a range of financial services topics. We want to remind our listeners that the information sh...
2024-12-1817 minConvergeApps, AI and speedy settlement: The future of real-time payments (RTP)At Money2020 USA, we sat down with Margaret Weichert, Chief Product Officer at The Clearing House, and Peter Tapling, Managing Director of PTap Advisory, to discuss the transformative potential of instant payment applications. We covered: The evolution of payment systems and how new technologies like tokenization are being leveraged to create seamless financial transactions The challenges and opportunities of integrating these technologies within the current financial landscape The specifics of industry adoption hurdles How instant payments can solve real-world problems How instant payments are shaping customer experiences, and what this means for businesses and consumers alike
2024-12-1129 minConvergeThe case for a 'fraud czar'What could a centralized authority, or 'fraud czar', do to combat the growing complexities of fraud in the global financial sector? We sat down with an expert panel at Money2020 to explore this question by looking at the various types of fraud at play, including synthetic identities and the evolving tactics of fraudsters, particularly in the context of new technologies. The group highlighted the challenges of coordinating responses across different sectors and the importance of understanding the enablers of fraud. They also closely examined international models that could inspire effective fraud prevention strategies in the...
2024-12-0431 minConvergeMasters of Risk: Effective hedging strategies for modern enterprisesAt Money2020 USA, we sat down with two experts to discuss the evolving landscape of risk management and hedging strategies in the modern enterprise, particularly in the context of geopolitical instability and emerging markets like Africa. David Renta, Global Head of Hedging at Convera and Benjamin Fernandez, CEO and founder of African payments fintech, Nala, share insights on navigating these challenges, emphasizing the importance of developing strategic plans, understanding local dynamics, and maintaining profitability. We also address the regulatory hurdles that add complexity to building an effective hedging strategy, and the need for tailored solutions...
2024-11-2023 min
ConvergeMarket Update: Trump trade reverberating across global marketsIn this week's market update, Boris Kovacevic discusses the implications of the recent US elections, focusing on Donald Trump's victory and its impact on the economy and global markets. We cover the economic factors that influenced the election results, particularly inflation, and explore the concept of US exceptionalism in the context of global trade dynamics. We also touch on geopolitical shifts, the future of the euro, and the Federal Reserve's response to inflation trends.Follow us on: LinkedIn Instagram X Threads YouTubeDisclaimer: Converge is Convera’s podcast that discusses a range of financial s...
2024-11-1316 minConvergeWill digital dethrone cash? The payments conundrum in the AmericasAt Money2020, we sat down with Zoya Lieberman of Endava and Ramiro Nandez of Mercado Pago to discuss the evolving landscape of digital payments in the Americas, focusing on the role of AI, the challenges of cash adoption, and the importance of user experience and financial inclusion. We explore the collaboration between fintechs and traditional banks, the regulatory hurdles faced in different markets, and the need for innovative solutions to bridge the gap between cash and digital transactions. We also touch on the potential of AI and blockchain technology to transform the payments ecosystem and drive financial...
2024-11-0726 min
ConvergeMarket Update: US election market predictions from 5 days outWith five days to go until a historically close US election, market participants can't stop talking about the what ifs.
Hear from macro analyst Boris Kovacevic on what outcomes we could see in the markets globally following the November 5th US elections.
Disclaimer: Converge is Convera’s new podcast that discusses a range of financial services topics. We want to remind our listeners that the information shared on this podcast is for informational purposes only and should not be considered financial advice. Please note that the opinions expressed on Converge are solely the opinions of th...
2024-10-3112 minConvergeDigital assets go institutional: Tackling custody, crypto crime, and compliance with Ari RedbordTo kick things off at Money2020 USA we spoke with Ari Redbord from TRM Labs. With 11 years under his belt at the US Dept. of Justice, Ari shared his views about the evolving landscape of cryptocurrency, the challenges of crypto crime, and the importance of compliance in the financial sector. We touch on the role of TRM Labs in combating illicit activities in the crypto space, the future of stablecoins, the implications of Stripe's Bridge acquisition, and the regulatory framework surrounding digital assets, particularly the MiCA regulation in Europe and its influence on other regions. ...
2024-10-2924 min
ConvergeMarket Update: Hope for the best, prepare for the unpredictable in 2025Grab your copy of our Are You Ready For 2025? report.With 2025 on the horizon, economic uncertainty looms. Will the world economy finds its balance, or are we still bracing for the next curve?If real wage growth falters, consumer spending could take a hit. Businesses need to be prepared for shifts in consumer behavior and tighten their risk management focus.This week, we're sharing our recent FinTech Talk with host Charles Orton-Jones of Business Insider, where we explore: Possible market impacts of the upcoming 2024 US presidential election Key indicators for businesses monitoring...
2024-10-1632 min
ConvergeMarket Update: Closest US election race in recent history driving uncertainty and risksGrab your copy of our US Election Guide for FX Markets!Voters are heading to the polls on November 5th to vote for the 47th President and 50th Vice President of the United States. The most important political event of the year will be accompanied by elections for both chambers of Congress. The composition of the White House, Senate, and House of Representatives will be crucial for the domestic economy, world trade, and financial markets across the world. We see three specific market risks associated with the election. However, each candidate comes with his or...
2024-10-1020 minConvergeBanking on benevolence: The B Corp fintech making ethical investing easyThis week, we hosted a lively discussion with the founding team of Algbra, a UK-based fintech startup focused on ethical finance and combating financial exclusion. Algbra is a Certified B Corporation, sitting among a global network of businesses that meet high social and environmental impact standards. We explore Algebra's unique dual business model, which includes both B2C and B2B services, their commitment to social impact, and the significance of their recent strategic investment from Standard Chartered. The team discusses the challenges of both financial exclusion and ethical investing, and the launch of their...
2024-10-0227 minConvergeFintech is Femme: The resilience and authenticity defining women in fintechIn this week's episode, Nicole Casperson, founder of Fintech is Femme, and Julie Armstrong, V.P. and Global Head of Verticalized Industry & Partnerships at Convera, share their journeys as women shaping the fintech landscape from the perspectives of Gen Z and Gen X, respectively. Both discuss the incredible resilience and audacity required to navigate and transform an industry that often underestimates women.
We discuss Nicole's transition from journalism to championing women in fintech through her platform, driven by a desire to amplify underrepresented voices and foster a community where women can thrive despite systemic challenges.
...
2024-07-2446 minConvergeTaking fintechs global: Building finance without borders in 2024This week, we discuss the challenges of growing a fintech company internationally with Hong Fang, President of OKX crypto exchange, and Nicola Ebmeyer, Co-founder and CEO of Gain.Pro.
We cover the recent developments and challenges in the crypto industry, the state of the private markets, language and cultural considerations in international expansion, regulatory requirements, how to sustain a growth and innovation mindset during market downturns, and the future trends in global fintech.
Disclaimer: Converge is Convera’s new podcast that discusses a range of financial services topics. We want to remind our listeners that th...
2024-07-1034 minConvergeMarket Update: Key risks to watch in a year of geopolitical eventsRecorded live on 6/4/2024 at Money2020 EU!
Join Convera's Market Insights team for special candid discussion on the policy and geopolitical events shaping the global markets, including the European elections, ECB rate decision, US-China tensions, and the impact of political uncertainty on monetary policy. We cover the implications of the impending US and UK elections in 2024, non-farm payrolls report, and potential equity market sell-off. Plus, what risks to look out for in the coming weeks.
2024-06-0522 minConvergeFintech2025+ | Trends, technology and transformation in global paymentsGet your copy of Fintech2025+ https://convera.com/lp/fintech-2025-report/
We project a significant surge in cross-border payment flows, expected to reach an eye-popping $290 trillion by 2030, driven by the rise of international e-commerce, greater workforce mobility, and advancements in digital payment technologies. This growth highlights the need for robust fintech solutions that enhance transaction speed, transparency, and security.
Convera's new report, Fintech2025+ Trends, technology and transformation in global commercial payments is a detailed analysis of the transformative role of fintech in global commerce, focusing on the cross-border payments landscape as a critical element of...
2024-05-2223 minConvergeMarket Update: The Fed’s conundrum continuesThe US economy has clearly been in a league of its own in the post-pandemic era. And 2024 has underlined the exceptional position of the US economy compared to its peers with inflation and employment data broadly surprising to the upside.
The lagging data that is relevant for the National Bureau of Economic Research to make a call on whether the US has entered a recession has remained resilient over the past quarters. Still, a weak GDP print for Q1, the softening of leading indicators and job growth cooling have revived the talk of a potential recession this...
2024-05-1513 minConvergeMarket Update: Investors adjusting to a new worldThe macro markets look a lot different now than they did at the beginning of April, and the story has once again been US economic data to blame for volatility.
With the 3-month average jobs growth running at 244 thousand and 3-month annualized core inflation at 4.5%, policy makers will most likely be able to sit out a couple of meetings and hold rates unchanged.
Investors are coming to terms with this. But the adjustment is also complicated by the recent developments in the Middle East and central banks outside the US laying the groundwork for easing po...
2024-04-1712 minConvergeConverge Market Update: FX in the Greenback’s shadow2024 has so far been about US soft data surprising the consensus to the upside and investors paring back their expectations for rate cuts across the developed world. Naturally, this has led both government bond yields and the US dollar higher.
However, the low volatility rate in the FX space means that while the Greenback has risen against 78% of its global peers in the first quarter of 2024, the year-to-date gain has only been slightly above 3%. It will get harder for the US dollar to sustain the momentum given (1) how much Fed easing has already been priced out and (2...
2024-04-0312 minConvergeThe Fintech Effect: Plaid on the state of the industry, AI, Pay by Bank, financial inclusion and consumer confidenceThis week, we sat down with Raja Chakravorti, Head of Universal Access at Plaid, to broadly discuss the state of the fintech industry in 2024 and the evolving consumer attitudes that are shaping it.
Why has fintech become so ubiquitous and where is it headed in 2024? How has the definition of fintech evolved over time, and what roles will we increasingly see AI play across financial services?
Learn why pay by bank, emerging alternatives for credit scoring, new methods for financial inclusion, and the importance of fintech education in building consumer confidence are crucial to the...
2024-03-1331 minConvergeConverge Market Update: A March towards disinflation, rate cuts and policy shifts?March will be an interesting month in financial markets, driven by three major themes: inflation, paring back of interest rate cut expectations, and the lack of volatility despite underlying risks. Upcoming events in March, including central bank rate decisions, will be significant and could induce price action.
Will we see a continuation of the disinflationary trend, a potential end to the US exceptionalism sentiment, and possible changes in central bank policies?
Global Macro Analyst Boris Kovacevic breaks down this week's most notable macroeconomic news.
Disclaimer: Converge is Convera’s new podcast that discusses a...
2024-03-0612 minConverge1% built: Opportunities and challenges in building Africa's payment infrastructuresPayments in Africa are "1% built," presenting a massive opportunity to unlock growth for businesses and improve lives - not just on the continent itself but also around the globe where migrants proliferate and prosper.
Join Benjamin Fernandes, CEO of Nala, a cross-border payments and remittances fintech focusing on building Africa's modern payment infrastructure, to discuss the challenges and opportunities in African payments. With unconscionably high costs and complexities, payments within and to/from Africa illustrate the pressing need for infrastructure and regulatory improvements - and Benjamin and Nala are at the helm.
Co-hosted with Money2020...
2024-02-2850 minConvergeConverge Market Update: Resilient economic growth, stalled rate cuts, and geopolitical tail risks leading in to MarchRegister for Convera Live! https://convera.com/events/convera-live/
Last week's economic data deluge, including the latest inflation reports that called into question the timing of rate cuts, triggered some significant volatility across financial markets, creating a modest case of whiplash. Could this become more frequent as central banks begin policy easing this year?
Meanwhile, the carry trade has become more popular, benefitting the high-yielding dollar which has already climbed 6% against the yen this year on top of the massive gains in 2023. But the pound is also in demand, reaching its highest level against the...
2024-02-2014 minConvergeTackling identity risk in finserv: Knowledge-based authentication and AI in the fight against fraudFraud feels like one of the inevitabilities of our financial system - if we had a system that was 100% fraud free, it would be so restrictive and buttoned down that it would be almost impossible to use. And because we still rely on many antiquated systems to confirm the identity of customers, fraud continues to be a major problem.
Passwords persist as the dominant auth method despite their fragility, and newer, more promising auth methods like Passkeys championed by the FIDO alliance for a few years now are just beginning to take foot. WebAuthentication has added a lot...
2024-02-1421 minConvergeConverge Market Update: Watershed moment for China as US equities reach record highsJanuary has been all about the broad pushback of policy makers and the economic data against the trend of lower bond yields that started in November. Central bankers have won the first round against investors that had hoped to see the first rate cuts from the Fed, ECB and BoE already in March.
However, the month-to-date advance of bond yields and the US dollar have not been able to dent the attractiveness of US equities, which continued to outperform their global peers, reaching a new all-time high this week.
At the same time, China is...
2024-01-2512 minConvergeCan fintech replace the CFO? How AI & automation can revolutionize spend managementIn the past, finance teams didn’t always benefit from innovation in software like sales and marketing teams did. Now, a group of fintechs are bringing new technologies to market for CFOs and their teams - leveraging the disruptive power of AI.
As we see more and more tools solve for the less glamorous work that finance teams do, e.g. reconciling staff expenses, does this signal a trend towards an automated financial future?
Erica Dorfman, Head of Financial Products for spend management platform Brex, joins us to discuss the strategy behind her company's push to...
2024-01-1822 minConvergeConverge Market Update: Monetary policy, geopolitics and slower growth kick off 2024It's been a year already! Join Convera Macro Analyst Boris Kovacevic for the first episode of the year as we re-cap 2023 and deep-dive into potential market and macro risks for the year ahead, covering geopolitics, inflation, central banking, Germany, China and global FX outlooks.
Disclaimer: Converge is Convera’s new podcast that discusses a range of financial services topics. We want to remind our listeners that the information shared on this podcast is for informational purposes only and should not be considered financial advice. Please note that the opinions expressed on Converge are solely th...
2024-01-1112 minConvergeConverge Market Update: Macro data in focus with central bank meetings around the cornerThis week, in a window of ~60 hours, policy will be set for 60% of the global economy.
Gear up for the last important week of the year when the Federal Reserve, European Central Bank and Bank of England set policy on Wednesday and Thursday. Convera global macro strategist, Boris Kovacevic, breaks down the possibilities ahead, with an eye on what the macro data is telling us.
We cover:
How many basis points the ECB, Fed and BoE might cut rates next year.
Why investors are expecting all central banks to push back against aggressive easing bets until...
2023-12-1310 minConvergeConverge Market Update: A November to remember as the best month for risk assets of the yearWe're kicking off our new bi-weekly market and macroeconomic update series with a bang. Hear from Global Macro Analyst Boris Kovacevic on why November is shaping up to be the best month for risk assets this year as investors have priced in expectations for a major central bank pivot.
In our latest global macro podcast, we distill the recent market moves and set out our thesis for why we are anticipating a macro interest rate regime shift going into 2024.
We'll cover:
1. The incoming macro interest rate regime shift
2. Why the dollar...
2023-11-2919 minConvergeHow cloud-based ecosystems are driving B2B innovation in fintechB2B financial services are at an inflection point; business infrastructure is moving to the cloud, but financial services are lagging: they are fragmented, run on legacy tech, and lack scale and resiliency.
At the nexus of driving this necessary change are integrated ecosystems of fintechs and financial cloud services providers offering businesses and financial institutions a ‘one-stop shop’ in emerging technologies for payment processing, data tokenization, AI/ML capabilities and much more - providing greater transparency, resiliency, speed, and scale.
In the next phase of fintech innovation, API-enabled cloud B2B payment platforms will shap...
2023-11-1529 minConvergeNew rails to new worlds: Building inclusive, innovative infrastructures for global paymentsA panel of exceptional female leaders discuss what is being done on the ground in some of the most systemically important institutions and emerging fintechs (Swift, Convera, Ripple and Citi) to shape and implement next gen cross-border payments infrastructures.
How are instant and real time payments operating now, and how will they in the future? How are targets set by the G20 for adoption of new technologies as well as ISO20022 influencing the technology roadmaps of global organizations in 2023 and beyond? How has Swift positioned itself as the ‘messenger of the future? And what does the likes of...
2023-11-0836 minConvergePerception vs. reality: Who "wins" in the future of cross border payments?Who will capture the most value in the cross-border payments ecosystem in the coming years? With new emphasis on instant payments and emerging rails, who stands to win the war for market share, and what models/protocols will be at the nexus of the new era? How do non-banks view this change and the opportunity ahead vs. the big banks and incumbent payment providers? Is “Coopetition” the new reality and interoperability the key to winning business? Where are the opportunities and where must businesses focus on winning in the next 5 years?
This live panel from Money2020 in Las Ve...
2023-11-0131 minConvergeAre You Ready for 2024? Convera's annual macroeconomic outlookGet your full copy of the report, here:
Are you ready for 2024? | Convera
Join Head of Market Insights Steve Dooley as he shares a taste of the 2024 edition of Convera's annual flagship report to help businesses navigate what promises to be yet another uncertain and volatile year ahead, both geopolitically and macroeconomically.
Get the full report at the link above to learn more on:
How cross-border trade will be impacted by diverging interest rates
How the global bond and equity market will shift
The impact of tighter credit conditions on housing markets
The immediate future of glob...
2023-10-1825 minConvergeBridging the way to a multi-CBDC world: Daniel Eidan of the Bank for International SettlementsAlso known as "the central bank of banks," the Bank for International Settlements (BIS) has been guiding and influencing the world's largest financial institutions for decades. Their new innovation hub has taken a central role in exploring new technologies, #CBDCs among them, that bring "benefits that can lead to faster, cheaper and more transparent payments across borders." However, the BIS notes that "questions remain unanswered related to policy considerations, legal and regulatory frameworks, and basic operational economics that might call into question the viability of multi-CBDC platforms.”
Join Money2020's Micky Tesfaye and Daniel Eidan,
Advisor & Solution Arc...
2023-10-0445 minConvergeThe consumer sets the bar: How B2C innovation is pushing B2B finserv into the futureThis special episode was co-produced with Tigerhall - a leading social learning platform.
Commercial and retail clients have higher-than-ever expectations of banking as a service. How can financial institutions and banks stay ahead of the customer experience curve? How do we harness the latest applications in AI, including generative AI, to better serve customers? What best practices passed the stress test in 2023?
What implementation challenges do financial institutions need to consider when integrating identity services for their consumer and corporate customers? How can premium APIs reduce the cost associated with more secure authentication? And what role could...
2023-09-1321 minConvergeWhy DeFi Matters [Part 3]: CBDCs - opportunity or doom for DeFi? The challenges of building digital institutional trustMost major economies, including 19 of the G20 nations, are in the end-stage processes of developing Central Bank Digital Currencies (CBDCs). These digital currencies introduce DeFi technology and concepts into the world of central banking with many potential use cases across borders and domestically.
CBDCs have opened up all kinds of opportunities for increased efficiencies, cost-savings, programmability and transparency for banks and financial institutions - but the step is clearly one towards further centralization. Added privacy concerns have led to consternation among thought leaders and future consumers.
But do CBDCs spell doom for DeFi as a...
2023-08-3034 minConvergeWhy DeFi Matters [Part 2]: Tokenization and the 'financializing' of our lives, new forms of liquidity, and DLT privacy challengesPart 2 of our 3-part series.
Although it's early days for DeFi, tokenization of real-world assets shows promise for bringing much-needed liquidity to existing and newly emerging asset classes.
Distributed Ledger Technologies (DLT) open even more opportunities and solutions for enterprises and companies within the realm of tokenization, but the regulatory circle needs to be 'squared.' How can we expect organizations to regulate assets without proper governance and regulations?
For innovation to continue and grow, there needs to be a clear path forward - but leaps are being made for a secure DeFi...
2023-08-2323 minConvergeWhy DeFi Matters [Part 1]: Bitcoin and DeFi's influence on the future of TradFi and FinServIn his upcoming book, author Ian Horne (a former FinServ relationship manager and head of content for Money20/20 EU), discusses the many reasons why the often lofty, quixotic-sounding concepts of decentralized finance (or #DeFi) should matter to anyone looking to improve the way we do business and exchange value.
For Part 1 of our 3-part series on "Why DeFi Matters" (the formal title of Ian's upcoming book), we sat down with Ian and his colleague Micky Tesfaye, Content Lead for Money20/20 EU, and Scott Johnson, VP of Technical Program Management at Convera, to explore DeFi's journey from the...
2023-08-1628 minConvergeThe seismic shifts in education finance: China's student decline, new dominant markets and payment methodsIndia now outpaces China in wealth creation and GDP per capita, and the number of their students able to afford high quality education overseas is projected to grow. Overall, the demographics of students who study abroad are shifting dramatically, presenting new opportunities and challenges for students, payment providers and higher education institutions.
Furthermore, 60% of international students consider alternative payment methods as important, but alternative payment methods differ from country to region around the world. Universities and higher education institutions will need rely even more on providers that can handle rapidly changing payments methods and diverse currencies.
2023-08-0922 minConvergeFighting FinCrime with FinTech: Human controls vs. AI, automation, and scaling fraud preventionIn recent years, the United Kingdom has seen a massive uptick in financial crime. The need for better controls against fraud, both human and machine, are more important than ever. And while many types of financial fraud remain the same, new channels have emerged posing unknown risks. Customer oversight has become nebulous making data-sharing crucial among global organizations. Those who can leverage and embrace new technologies while understanding the ever important role of human-powered intervention stand to gain the most. Join Alex Beavan, Head of Ethics and Anti-Corruption at Convera, and Jessica Cath, Head of Financial Crime at UK...
2023-07-2620 minConvergeFrom sticky inflation to soft landing? Convera's Q3 Economic Outlook with Naz AliDownload Convera's Q3 Economic Outlook here: Convera Global Economic Outlook 2023 Q3 Edition | As we enter H2 of 2023, businesses are growing increasingly concerned about the tightening monetary conditions. Despite one of the sharpest sequences of policy tightening in living memory, inflation, especially core inflation, remains too high.
Only Canada is forecast to fall below the 3% upper tolerance threshold by the end of 2023. Canada is forecast to submerge into a recession for the duration of 2023, while US is expected to dip into a brief and shallow technical recession in Q1 2024.
Industrial production and manufacturing sectors are forecast...
2023-07-1920 min
The Payments Show PodcastMoving Money Worldwide: How Convera Improves B2B Commerce with International Payments, FX Risk Management, Mass Payments and More - with Patrick Gauthier, CEO at ConveraIn episode 75 of The Payments Show Podcast, I spoke to Patrick Gauthier who is the CEO of Convera. Convera is a leader in B2B cross-border payments and has 30,000 customers worldwide. It helps companies to move money (FX) – and capture value – with speed and simplicity.Timestamps[00:00] - Introduction: From Amazon Pay to Convera[03:53] - The Beginning of FinTech[06:10] - Commercial Payments is Ready for Innovation[07:58] - Underinvestment in B2B FinTech[09:33] - Crypto Skepticism: Proof of Stake vs Proof of Work[11:40] - Central Banks vs Stablecoins[13:37] - Co...
2023-07-1046 minConvergeIs blockchain hiding in plain sight? Citi & Convera on tokenization, interoperability, and real-time paymentsWhile blockchain use cases have seen considerable growth in the past 5 years, there's still a long road ahead in the world of payments and the tokenization of real-world assets of value. Join Ryan Rugg, Head of Digital Assets for Citi's Treasury and Trade Solutions and Convera CEO Patrick Gauthier for an enlivening discussion on emerging digital asset tech, Citi's exploration in the space, focusing on customer needs over new technologies, Citi's GPS report on the trillion-dollar trade finance tokenization opportunity, and new regulations that could drive significant adoption in the near future.
2023-07-0519 minConvergeWomen in fintech: Forging a future without boundariesA roundtable discussion featuring: Susana Delgado, Global Head of Consumer & SME Payments Strategy at Swift, Nicole Olbe, Managing Director of Partnerships at Barclaycard Payments and Sendi Young, Managing Director Europe and UK Board Director of Ripple.
This special episode, guest hosted by Convera CCO Jennifer Parker, brings together four remarkable women in the fintech and payments industries to discuss
female leadership in the payments industry - where we’re at, how far we’ve come, and how far there is yet to go. Women now hold increasingly visible and influential roles across payments and finance - but it wasn't alwa...
2023-06-1450 minConvergeCrypto's credibility conundrum: New lawsuits, MiCA, internet-enabled payments, and the evolving digital asset regulatory landscapeCo-hosted with Money2020. Avowed crypto skeptic and Convera CEO Patrick Gauthier sits down with crypto evangelist Teana Baker-Taylor, VP of Policy and Regulatory Strategy at Circle to discuss the fragmented global regulatory landscape for crypto assets, the new SEC lawsuits against Binance and Coinbase, regulation by enforcement, blockchain for real-time payments as a disruptive technology, creating a stable regulatory framework for digital assets, the payment ecosystem we don't yet know about that we're going to need, AR/VR, internet-enabled payments, the metaverse, the accelerating timeframe of adoption for new technologies, technology innovation vs. process innovation, and good friction vs...
2023-06-0933 minConvergeBuilding digital trust in an age of uncertainty, with Convera CEO Patrick GauthierBuilding trust in times of uncertainty is crucial for navigating business (and life). Uncertainty is an opportunity then for businesses to thrive, and can accelerate the most meaningful innovation (with strong evidence throughout history). Furthermore, thoughtful regulation can play an important role in creating conditions for businesses to operate clearly and serve customers more efficiently. But are opportunities being missed and technologies misunderstood in these times of market volatility that distort the long view? Patrick Gauthier, CEO of Convera, joins us for a candid discussion on today's environment, emerging technologies including digital assets and new, faster rails for payments...
2023-06-0721 minConvergeMacroeconomic forecasting in "strange" timesGet your copy of the 2023 Convera B2B Payments & Trade Report, here: https://convera.com/future-of-b2b-global-payments-trade-report/
In our inaugural episode of Converge we highlight Convera's annual B2B Payments and Trade Industry Report, looking ahead up to 2028 at what might influence these industries and reflecting on a wild three years past. Host Alex Lawrence sits down with Nawaz Ali, Global Head of Market Insights, to get a clearer picture of a very cloudy economic environment and make some bold (and exciting) projections for 2023 and well beyond. If you're an international business planning your FX, B2B...
2023-06-0621 min
ConvergeConverge TeaserConverge, a new Podcast from Convera, brings traditional banking and legacy payments providers together with fintech disruptors to challenge the narrative (and each other) on the future of finance. Global trade, currencies, treasury management, and fintech leadership continue to be hugely impacted by world events, setting the stage for fundamental technological, social and operational shifts in the future global financial industry. Moderated by Convera experts, analysts and marketers, Converge brings the industry’s best and brightest together to pressure test new ideas against the tried and true, find common ground, work through tensions and provoke disagreements – all in the name...
2023-05-2201 min