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MoneyNeverSleeps

MoneyNeverSleeps

By Eoin Fitzgerald | Pete Townsend
A weekly podcast that looks inside the the minds of entrepreneurs and at the crossover of startups, enterprise, finance, technology and life as we know it.
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120: Props | Matt McAllister and Mortgage Propeller
Matt McAllister from Mortgage Propeller joins the show to talk about bringing a new fintech to life in the middle of a pandemic, buying a house with a credit card, making lives easier for mortgage brokers and borrowers, talking to your customers way before they become your customers, life lessons from Bebo…and working through the night with The Good, the Bad and the Ugly on in the background! This episode of MoneyNeverSleeps is sponsored by PAT Fintech, the training partner that demystifies fintech and digital finance for financial services professionals. Matt is the founder and CEO of Mortgage Propeller, a UK-based fintech that makes mortgage brokers more efficient and their businesses more profitable, by addressing compliance and lead generation. He’s got a firm belief that the mortgage application process shouldn’t take the joy out of buying a home. Matt is an entrepreneur and a fintech veteran armed with an MBA, and his 20-year career has spanned financial derivatives, property, online gaming and retail entertainment. Matt and Pete met back in 2017 while working together in another fintech startup, so this MoneyNeverSleeps interview is our longest to date at just over an hour as it’s been brewing for years! HIGHLIGHTS: On the word ‘entrepreneur’: “For most of 2020, I was an unemployed entrepreneur! The word doesn’t sit well, we didn’t use it when we were kids, and maybe social networks made it popular. The word itself, park it – I feel like you’re not an entrepreneur until you’ve done something. If you’re always trying to duck and dive, hustle and make something happen, and you haven’t achieved it yet, and you haven’t built a company, then it feels like you’re cheating [by calling yourself an entrepreneur].” On figuring out what to do with his life while listening to a guru guest speaker in his MBA program: ”Think of the thing you do, whatever it is, that you lose track of time when you’re doing it. That’s what you’re meant to be doing with your life. Mortgage Propeller is the only thing I could be doing. It’s not 'work', it’s just something I should be doing. Working for someone and doing a normal 9-to-5 is not for me.” On early validation: “We started talking to firms across the UK, and lo and behold, people were really interested in what we were showing them. We were talking to the problems that they have – compliance, lead generation, speed and inefficiencies of completing an application process – and slowly but surely we started to get interest and some soft commitments. We just kept grinding and grinding through the summer until we felt like we had enough validation to start raising money.” You can get in touch with Matt McAllister at matt@mortgagepropeller.com Episode title inspired by ‘Props’ by Pete Rock Leave a review and subscribe on Apple Podcasts | Podchaser | Spotify | Google Check out our MoneyNeverSleeps website Subscribe to our newsletter on Substack Follow us on Twitter Podcast| Twitter Pete |Twitter Eoin Get in touch at info@moneyneversleeps.ie
1:03:02
January 22, 2021
119: Words of Advice, Pt 2 | Brian McDonald and Bay Advisory | Entrepreneurs and Taking Money off the Table
Brian McDonald from Bay Advisory joins the show for Part 2 of a 2-part series on M&A and raising capital for entrepreneurs and talks through the logic of exit plans, focusing on outcomes rather than actions when taking money off the table, balancing your gut instinct with valuations, the tendencies of different kinds of buyers after the sale…and the potential for doing a deal in the Irish language! This episode of MoneyNeverSleeps is sponsored by PAT Fintech, the training partner that demystifies fintech and digital finance for financial services professionals. Brian is the Managing Director at Bay Advisory, a team of corporate finance specialists who apply their knowledge and expertise to the tech sector, helping these small and medium enterprises sell and fundraise at the best value. In Part 1 on episode 118, Brian talked through his origin story and the Bay Advisory approach, so check out that episode first. HIGHLIGHTS: On the importance of an entrepreneur’s long-term view: “If you’re starting a business and you don’t ever see yourself exiting, and you’re going to hand this business onto your kids, you better make sure your investors are aligned. In other words, if you never want to exit this business, don’t take in money from angels or VCs.” On the impact of an exit plan: “I think that having an exit plan has no bearing on your passion or drive for your business, it’s simply a reasonable precaution.” On what to do when an entrepreneur’s mindset shifts into sell mode: “The very first thing you should do is talk to someone you trust. I don’t want to hear the action; I want to hear the outcome you want as an entrepreneur. It’s not that you want to sell the business, it’s where you want to get to, and then you have options. Always focus on what result you want, and then back-solve from there.” On the importance of recurring revenue to a valuation: “We always dig down into what’s true recurring revenue, particularly in software businesses that may be closer to a consulting business wrapped us as a SaaS business.  We always look for ‘passive’ income, with the perfect example being Microsoft Office, and the other end of the spectrum is Accenture. The question is, are you more like Microsoft or Accenture?” On the entrepreneur focusing on driving the business during the sale process: “The biggest factor in getting that top valuation is that the seller focuses on the business during the process because they need to drive EBITDA. What can destroy a valuation is overestimating the performance at the point of sale, because that gives all of the negotiating leverage to the buyer.” On one of the big challenges with buyers: “What’s really hard for a founder is when there is someone that they really like and really want to sell the business to, but their offer is considerably lower than another party. It’s really difficult for the founder to balance the two offers when they want to continue driving the business after the deal.” You can get in touch with Brian McDonald at brian@bayadvisory.ie Leave a review on Apple Podcasts | Podchaser Check out our MoneyNeverSleeps website Subscribe to our newsletter on Substack Follow us on Twitter Podcast | Twitter Pete | Twitter Eoin
46:26
January 15, 2021
118: Words of Advice, Pt 1 | Brian McDonald and Bay Advisory | M&A and Raising Capital for SMEs
Brian McDonald from Bay Advisory joins the show for Part 1 of a 2-part series on M&A and raising capital for SMEs and talks through the intersection of experiences that drove him to launch Bay Advisory, market trends impacting early-stage entrepreneurs in Europe, and helping entrepreneurs think about their options in taking money off the table. This episode of MoneyNeverSleeps is sponsored by PAT Fintech, the training partner that demystifies fintech and digital finance for financial services professionals. Brian is the Managing Director at Bay Advisory, a team of corporate finance specialists who apply their knowledge and expertise to the tech sector, helping these small and medium enterprises sell and fundraise at the best value. Continuing along the theme from recent episodes of looking at entrepreneurship downstream from where Eoin and Pete ply their respective trades, we thought it was a good idea to get seed-stage founders and other entrepreneurs in our audience thinking about their options down the road. HIGHLIGHTS On the early days: “One of the best things that happened to me was not joining Big 4 from the start, as I had to learn everything from scratch, and I got a lot of experience with very small businesses where I was just handed a box of receipts.” On his inspiration: “With my experience in consolidating SMEs into bigger firms, I could see a lot of small businesses that were poorly advised from a corporate finance perspective, and at the same time I was personally investing in early-stage technology businesses. I could see that there was a requirement in the market for a specialist corporate finance house prepared to take on much smaller businesses.” On current market trends: “While volumes of venture capital have stayed relatively strong in Europe and elsewhere, that hides the fact that a huge amount of capital is going into Series B and Series C, and seed rounds are really struggling. Angel investors are really pulling back in Europe, and we’re seeing that in Ireland as well. We are potentially not funding very credible businesses and very credible founders who should be funded and would be funded in any other economic environment.” On trying to dig deeper into an entrepreneur’s thinking: “Very often, when an entrepreneur comes to me and says ‘I want to sell the business’, what they really mean is ‘I want to de-risk’. Usually, they think their only option is to sell everything to a PE firm and walk away. Other times, what they really mean is ‘I’m working too hard here and I want to have a family life again’. There are other ways of fixing that that don’t involve selling the business. You can get in touch with Brian McDonald at brian@bayadvisory.ie Leave a review on Apple Podcasts | Podchaser Subscribe on Apple Podcasts | Spotify| Google | Overcast Check out our MoneyNeverSleeps website Subscribe to our newsletter on Substack Follow us on Twitter Podcast| Twitter Pete |Twitter Eoin Get in touch at info@moneyneversleeps.ie
42:38
January 8, 2021
117: Money Talks #27 | Big Valuations | Stripe | Bitcoin Scarcity | The Next Frontier of Money | Rundles
In this special year-end Money Talks segment, Eoin Fitzgerald and Pete Townsend wax lyrical on big valuations in the 'Fintech Year in Review', Stripe and the next stage of B2B financial services, the long-term economic impact of bitcoin, optimism for the next frontier of money...and of course, the Rundle! This episode of MoneyNeverSleeps is sponsored by PAT Fintech, the training partner that demystifies fintech and digital finance for financial services professionals. STORIES WE COVERED: Big Valuations and the Fintech Year in Review Tesla’s market cap tops the 9 largest automakers combined - CNBC - 14-Dec-20 2020: The year that shook fintech - Sifted - 30-Dec-20 Big Ideas Fintech Will Tackle in 2021 - a16z fintech team - Dec-20 Neobank numbers worldwide approach 300 - Finextra - 22-Dec-20 WhatsApp to rollout insurance and pension products on its platform in India soon – The Economic Times – 16-Dec-20 Stripe and the next stage of B2B financial services Stripe Treasury and embedding banking services via API into businesses’ operational platforms - Silicon Republic, 4-Dec-20 Packy McCormick’s reference to the Stratechery podcast and Stripe as the Platform of Platforms – Ben Thompson - 3-Dec-20 Is an awakening to Bitcoin scarcity driving the price rise or is it the money-printing effect? Bitcoin Soars Above $23,000 as More Wall Street Firms Pile In [and heads for $30K]– Bloomberg - 17-Dec-20 Bitcoin Braced For Near-Trillion Dollar Stimulus Bill And Fresh Fed Firepower - Forbes - 15-Dec-20 Bitcoin Is More Than a Hedge Against Inflation – It’s a Hedge Against ‘Crazy’ - Crypto Long & Short/Coindesk (Noelle Acheson) - 20-Dec-20 More on the infamous Rundle (recurring revenue bundle) Getting Subscription Bundles Right for Minimum Churn - PYMNTS.com - 22-Dec-20 After Covid: How firms can make the most of their post-pandemic opportunities - Irish Times - 17-Dec-20 Thanks to all of our listeners and newsletter readers out there in the MoneyNeverSleeps community for listening in every week, spreading the word and driving us up the podcast rankings in 2020! Check out our MoneyNeverSleeps website Subscribe to our newsletter on Substack Get in touch at info@moneyneversleeps.ie
39:19
December 31, 2020
116: All These Funds | Brian McNulty and FAC | Changing an Industry for the Better
Brian McNulty, founder and CEO of FundAdminChain (FAC), joins the show to talk about solving a real business problem with distributed ledger technology (DLT), how funding your business takes a team effort, enabling positive change for the investment funds industry and end investors…and his secret life as a qualified football coach! This episode of MoneyNeverSleeps is sponsored by PAT Fintech, the training partner that demystifies fintech and digital finance for financial services professionals. EPISODE OVERVIEW: FAC is a network for launching, distributing and trading digital investment funds, connecting investors, fund managers, and their service providers in a distributed digital ecosystem. Brian just completed the first half of raising FAC’s seed round, and although the fundraising round will stay open until February, Pete Townsend wanted to crystallize this moment in time by capturing it in this episode. For the sake of transparency, Pete is also an advisor to Brian and FAC. HIGHLIGHTS: On the core proposition: “We're facilitating the more forward-thinking incumbents to digitalize what they do, improve their services and pass those benefits on to their customers and the end investors.” On one of the influences for founding FAC: “At R3, we were bringing the buyside into the office, and looking at how the funds industry is still quite antiquated and extremely busy with many layers and intermediaries, but all doing an important job in the current state and all playing necessary roles.” On the opportunity: “With DLT, we could see the opportunity to collapse those layers, and if everyone shared the same data, then we don't need all the reconciliations and oversight teams. This means we can drive out some of the costs, risks and data lags.” On the reason for a comprehensive approach: “We know this takes a blend of business, technical and regulatory considerations not only to ensure that it's a real business problem we’re solving, but also that the business model itself stacks up.” On the context of collaboration: “You’ve got to make sure that you are listening to what the individuals and organizations want and that it’s the right time for them. There may be a time when you need to pull back on the collaboration, and other times you’ll want to push for it.” On raising capital: “Everyone tells you how much work it is and how it's another job and you hear those words, but you don't really know what it's like until you're close to closing.” On the guiding forces: “We want to improve the industry – this is not a gimmicky thing - and we want to see that improvement passed on to the end investor and revolutionize the way that the funds industry operates.” On the team effort: “Fundamentally, it's been a phenomenal journey so far with FAC as a result of the phenomenal team we've got and also some great organizations we're working with, so I’m looking forward to the next phase.” Leave a review and subscribe on Apple Podcasts | Spotify | Google Check out our MoneyNeverSleeps website and subscribe to our newsletter on Substack Follow us on Twitter Podcast |Twitter Pete |Twitter Eoin
32:21
December 18, 2020
115: Transformers | Allan Boyle on Growth Stage Scaling, People and Change
Allan Boyle, founder of Saltwater Consulting, joins the show to talk about helping growth-stage companies scale, putting people at the center of digital transformation, how to get to the root of a problem…and his love-hate relationship with handwriting! This episode of MoneyNeverSleeps is sponsored by PAT Fintech, the training partner that demystifies fintech and digital finance for financial services professionals. EPISODE OVERVIEW: Saltwater Consulting is an Ireland-based strategic consulting firm specialising in providing businesses with experienced executive capacity and resources where needed during periods of transition and rapid growth. When Allan connected with Pete Townsend and Eoin Fitzgerald, what stood out is Allan’s diverse track record across geographies, industries and business stages, and the number of repetitions in problem-solving he’s had. Also, given his focus on growth-stage companies, the problems Allan is helping to solve are the problems that earlier stage startups will eventually face, so there’s a crystal-ball context to this episode for early-stage startups as well. HIGHLIGHTS: On why he started his business: “Being part of AWS for a couple of years and watching how even the largest companies can scale rapidly was absolutely fascinating. That led to me starting Saltwater Consulting earlier this year, as what I really want to do is help companies scale.” On his modus operandi: “As companies scale, [for example], getting that alignment between sales and engineering can be challenging at times. That's where I come in - I work with tech leaders to help them understand where they're going, identify people and process gaps, and help implement operational mechanisms.” On the Rule of 3 and 10 from Hiroshi Mikitani: “Every single time the business triples in size, everything breaks - systems, people, the organization, everything. Technology is easy; you can replace that, you can scale it, you can adapt it, whatever. But it's the [organisational] systems, the processes and the people side I'm interested in, and that's why I'm doing what I'm doing.” On his focus on the people side of digital transformation: “There's a need for people in anything you do. If you build a digital platform where you’re going to have millions of customers, you need to have some level of humans behind that.” On an example of measuring what matters: “If you want to have a certain conversion ratio of sales, your metrics are what you’re putting into the funnel. What's happening with marketing? What are the activities people are doing at various points of the pipeline? You're not going to get that conversion If you don't track every step of the sales process.” On looking ahead: “The future, for me, is about understanding how customer service evolves in this new digital world.” Leave a review and subscribe on Apple Podcasts | Spotify | Amazon Check out our MoneyNeverSleeps website and subscribe to our newsletter on Substack Follow us on Twitter Podcast |Twitter Pete |Twitter Eoin Get in touch at info@moneyneversleeps.ie
45:50
December 11, 2020
114: Changes | Mick Sweeney on Markets, Society, Leadership and Digital
Mick Sweeney, CEO of PineBridge Investments in Ireland, joins the show to talk about what triggered his early interest in the financial markets, the nascent opportunity to transform the fund management industry in Ireland, the outcome of his long-term commitment to diversity, thoughts on post-pandemic global markets, societal changes driving new leadership styles…and his labour of love as a Leeds United supporter! This episode of MoneyNeverSleeps is sponsored by PAT Fintech, the training partner that demystifies fintech and digital finance for financial services professionals. EPISODE OVERVIEW: PineBridge Investments is a private, global asset manager focused on active, high-conviction investing. A mutual friend introduced Pete Townsend and Mick back in 2018 through a mutual friend, and they got on famously right away through a shared appreciation for the merits of strategic change, restructuring and execution, and a similar look on life. Since then, they’ve done their best to be helpful to each other, and this episode brings it all together. HIGHLIGHTS:   On his earliest days in the financial markets in a treasury role: “All markets are interconnected, so if anything happened globally, it impacted the markets domestically. You had to have a clear insight and a view on where markets were going to be able to play the markets. But it gave me fantastic exposure and a fantastic interest, and no two days were alike. That's where my passion for this business was born.” On what Ireland has built for fund managers since the 1990s: “It’s a fantastic framework and a fantastic platform to build from. What I would ask my fellow industry leaders strategically is, how can we build on top of that platform? In other words, what is the opportunity to bring front-end, high-end investment roles to Ireland? Over the next three to five years, we should be looking at how we build defensible niche products, defensible niche funds, that will be insulated from attack from the global players. How do we build those in Ireland?” On the outcome of a commitment to diversity: “Some of our top-performing portfolio managers, globally, are women. Some of the best traders I’ve worked with over the last 30 years are women.  The results are there - this is uncontestable and decision making is better with diversity.” On where we go from here: “There’s an old adage, ‘the survivors will be the winners,’ but I think that’s moved on. Now, it is the early adopters who are going to be the winners. The people that get this and understand that there is a change in leadership style needed are going to be the winners and will get the gains from the market opportunities because they will be bringing their teams with them.” Leave a review and subscribe on Apple Podcasts | Spotify | Google| Amazon Check out our MoneyNeverSleeps website and subscribe to our newsletter on Substack Follow us on Twitter Podcast |Twitter Pete |Twitter Eoin Get in touch at info@moneyneversleeps.ie
48:10
December 4, 2020
113: Find Ya' Wealth | Elisabeth Dana and Infinity Circle
Elisabeth Dana from Infinity Circle joins the show to talk about how a career in wealth management inspired her to start all over again to build a business centered on client needs, how to be be both digital and transformational, first reflections on Infinity Circle’s crowdfunding campaign and the social side of wealth management. This episode of MoneyNeverSleeps is sponsored by PAT Fintech, the training partner that demystifies fintech and digital finance for financial services professionals. EPISODE OVERVIEW: We’ve got Elisabeth Dana on the show this week, who is the founder and CEO of Infinity Circle, launching in 2021 as a global digital and real-world platform that brings together like-minded entrepreneurs, investors and game changers, to improve your relationship with money and make investing a fun feature of your life. HIGHLIGHTS: On her inspiration: “The banking landscape changed a lot following the 2008-09 financial crisis, and I decided that I wanted to contribute to my industry and shape the practice, and in a big bank, that was never going to happen. I knew 16 years on, that I had to take everything that I had been exposed to and use it to shape my industry.” On going back to first principles: “It’s not about short term profits, it’s not about how many financial products you’re selling, it’s not about how many people you can talk to about a specific private equity deal the bank has on its books – this is not wealth management. Wealth management is about getting to know your clients so you can guide them through the pitfalls and find the path appropriate for them; each client is truly different.” On starting over: “In my mind to be truly digital and truly transformational, you need to start from scratch. You need to redefine the framework, and it is very difficult to do that. Being transformational is all about the mindset and how you model your proposition. If you model your proposition on your target clients and you have the right mindset, you can be truly transformational” On the bigger benefit of crowdfunding: “It’s about a lot more than money – as infinity Circle’s vision is to democratize wealth management, the best place to start is to let the crowd into your capital structure.” On what’s unique about Infinity Circle: “The way we’ve designed Infinity Circle is to be a hybrid model, meaning you digitalise your proposition as much as you can, but you don’t remove the human element.” On why the human element is important: “We want to have a social component to the platform. Over my career, my clients would call me as much about their returns, specific investments and metrics as they would call me looking for introductions to other clients in specific industries or markets they’re looking to enter with their own business.” Have a look at Infinity Circle's crowdfunding campaign on Seedrs. Leave a review and subscribe on Apple Podcasts | Spotify | Google Check out our MoneyNeverSleeps website and subscribe to our newsletter on Substack Follow us on Twitter Podcast | Pete | Eoin Get in touch at info@moneyneversleeps.ie
36:33
November 27, 2020
112: Money Talks #26 | Dalio vs. Druckenmiller on Bitcoin | Angel Investing and Unit Economics | AirBnB vs. Ant Financial IPOs
In this week’s Money Talks segment, Pete Townsend and Eoin Fitzgerald take a look at Druckenmiller vs. Dalio on Bitcoin, how angels invest in startups, Tinkoff Bank and the 'Rundle', and AirBnB vs. Ant Financial in the Battle of IPOs. This episode of MoneyNeverSleeps is sponsored by PAT Fintech, the training partner that demystifies fintech and digital finance for financial services professionals. THIS WEEK’S STORIES: What We’re Getting Wrong About Druckenmiller and Bitcoin (Noelle Acheson, Coindesk, 15-Nov-20) Pete on all of the bitcoin chatter this week: “The opinions expressed on bitcoin by big names in finance, whether they’re well informed or not, are just another notch in bitcoin’s belt holding up its big huge growing trousers of societal acceptance.” Fidelity Digital Assets’ response to Ray Dalio: Addressing Persisting Bitcoin Criticisms (13-Nov-20) Anthony “Pomp” Pompliano explaining bitcoin to Barstool Sports’ Dave Portnoy in episode #392 of the Pomp Podcast. How to Raise Funds with a Super Angel: An interview with Fabrice Grinda (Gwen Salley, Head of Investment and Services at STATION F) Primer on Unit Economics for SaaS companies: SaaS Metrics 2.0 – A Guide to Measuring and Improving what Matters (For Entrepreneurs, David Skok) Tinkoff Launches Tinkoff Pro ‘Rundle’ (shared by Simon Taylor from 11:FS on Twitter on 15-Nov-20, reported by Tinkoff News) AirBnB Files to Go Public (TechCrunch, 16-Nov-20 China postpones Ant’s colossal IPO after closed-door talk with Jack Ma (TechCrunch, 3-Nov-20) Come Fly(Wheel) With Me – this week’s edition of the MoneyNeverSleeps newsletter featuring the story of Disney’s Flywheel Effect. Leave a review on Apple Podcasts Subscribe on Apple Podcasts | Spotify | Google| Amazon| Overcast Check out our MoneyNeverSleeps website Subscribe to our newsletter on Substack Follow us on Twitter Podcast |Twitter Pete |Twitter Eoin Get in touch at info@moneyneversleeps.ie
40:25
November 20, 2020
111: Move the Crowd | Chris Burge and Spark Crowdfunding
Chris Burge from Spark Crowdfunding joins the show to talk about two-sided marketplaces, the differences between crowdfunding for B2C and B2B companies, his own transition from the life of an energy consultant to that of a crowdfunding platform operator….and the long-term benefits of stag weekends! This episode of MoneyNeverSleeps is sponsored by PAT Fintech, the training partner that demystifies fintech and digital finance for financial services professionals. EPISODE OVERVIEW: We’ve got Chris Burge on the show this week, who is the co-founder and CEO of Spark Crowdfunding here in Ireland. Spark is an equity crowdfunding platform helping Irish companies raise new funds from a vast pool of private investors. Pete first came across Spark when he was working on a crowdfunding platform project last year, and he thought he had it all figured out at that point through desktop research. However, a conversation with the founder of a business can make all the difference!  This may seem obvious, but with any business, there’s usually an untold story as to why the founder was determined to get their product to market, and all you've got to do is ask. HIGHLIGHTS: On the problem with investing small amounts in startups: “I had done a small amount of startup investing, and I found that it cost you just as much in legal fees to invest as it did to make the investment itself.” On launching the platform: “Getting a two-sided marketplace going is a difficult way of getting the ball rolling. You’ve got startups on one side and investors on the other and trying to persuade both of them that you’ll get enough of the other to make this successful is a difficult conundrum.” On why there was a gap in the market: “The banks wax lyrical on how much money they’re putting into young startup companies, but in reality, they’re not. The amounts these startups are raising are too small for VC, so their only option is private investors, but the startups aren’t connected with these people. We knew we could bridge that gap.” On crowdfunding for B2C vs. B2B companies: “Yes, I do see the argument that a B2C like BrewDog will raise in excess with lots of small investments from thousands of investors, but smaller numbers of investors putting larger amounts into a B2B is an equally valid approach.” On the pending European crowdfunding platform regulation: “We’re certainly ready for it and I think the market will be ready for it as well.” On what Chris is most excited about: “We’ve only scratched the surface. Of all the investment that goes into startups, the vast majority of that is being done by VCs at the moment. We’ve got an open playing field to help young startup companies to get investment.” Leave a review and subscribe on Apple Podcasts | Spotify | Google| Amazon| Overcast Check out our MoneyNeverSleeps website Subscribe to our newsletter on Substack Follow us on Twitter Podcast | Twitter Pete | Twitter Eoin Get in touch at info@moneyneversleeps.ie
37:30
November 13, 2020
110: Money Talks #25: Pete Townsend and the Hard Thing about Startups, Digital Assets and Blockchain
We’ve flipped the tables this week, with Ken Coyne from OpsTalent interviewing Pete Townsend on his own digital awakening, insights on the startups he’s working with, the origins of enterprise blockchain, the present and the future of digital assets…and who stole Pete’s car stereo in 1990! This episode of MoneyNeverSleeps is sponsored by PAT Fintech, the training partner that demystifies fintech and digital finance for financial services professionals. EPISODE OVERVIEW: Pete and Ken were introduced a couple of years ago by a friend from Pete’s time in Bermuda. As they got along so well from the start, Pete and Ken do what they can to be helpful to each other. Ken runs the Tech People podcast and is the Chief Technology Officer for Ops Talent, who are delivering technology and multi-lingual customer support services for some of the world’s most innovative companies.  Ken was intrigued by the initial hype around blockchain in the capital markets in 2015, but then he saw things go quiet. So, Ken asked Pete what happened and where things are going with blockchain in this interview, also released on Ken’s Tech People podcast channel this week. HIGHLIGHTS: On the problem with startups: “It’s hard to get customers without a product, it’s hard to build a product without funding, and it’s really hard to get funding without customers. It can be a continuous circle leading to a downward death-spiral, or a hard climb up and around the Matterhorn.” On Pete’s own awakening after going down the blockchain rabbit hole in 2014: “When I read the original Satoshi Nakamoto whitepaper, I saw a brand-new framework for the capital markets in front of my face.” On the early views on blockchain in the capital markets: “Back in 2014, a bunch of capital markets CEOs asked their CTOs and Heads of Innovation to look at the only real use case for blockchain at the time, the bitcoin blockchain. But they came back from the front line like ‘Mining? Consensus algorithms? How are we actually going to apply this to the capital markets? We don’t need this stuff’.” On the evolution to enterprise blockchain: “A lot of top people in the capital markets had the same realizations, but saw a lot of strong concepts in blockchain that could revolutionize the capital markets. A bunch of these folks got together and said, ‘Let’s see how we can make blockchain capital-markets-friendly’’, and that’s how firms like R3 were born.” On blockchain going mainstream: “We’ll know that blockchain has gone mainstream when people stop talking about blockchain. How often do you talk about TCP/IP when you talk about eCommerce?” On if blockchain is picking up steam again: “The steam never actually subsided in the development community, or in the startup community; it’s just been the perception of blockchain in the institutional community.” Leave a review and subscribe on Apple Podcasts | Spotify | Google | Amazon | Overcast Subscribe to our newsletter on Substack  Check out our MoneyNeverSleeps website
32:10
November 6, 2020
109: Firestarter | Brian Mac Mahon and Expert DOJO
Brian Mac Mahon, Head Honcho at Expert DOJO, joins us to riff on solving America’s entrepreneurship problem, his objective to scale those solutions globally, the Israeli model as best practice for a startup nation...and starting fires for the betterment of all! EPISODE OVERVIEW: Based in Santa Monica, California, Expert DOJO is a startup accelerator that improves the success rate of early-stage entrepreneurs with investment, foundation, influence, community, branding, marketing, communication and mindset. HIGHLIGHTS: On what’s in a name: “A dojo is a place of continual learning; you leave your ego outside. It’s about trying to understand the problem with as much brain power coming together to find a solution to that problem. It’s about everyone understanding that they’re not an expert, but that they’re reaching towards expertise based on learning more and more.” On the origins of Expert DOJO: "We’re an accelerator, and we’ll invest in 50 companies this year, and another 100 next year. We look at international companies and provide a bridge to America and give them money to grow and a bunch of help. But we didn’t start out like that. We started out with a problem: startups are failing at an unprecedented rate.” On the problem to solve: “The more I looked into it, the more I saw that if you haven’t gone to Harvard or Stanford, forget about it, you’re not growing a unicorn – we’ve got a really messed up system in America.” On the Israeli entrepreneurship framework: “The number of Nasdaq-listed companies from Israel really points to how Israel made their entire DNA about startups. They had excellence, money, community, government all coming together to cocoon this incredible sense of entrepreneurship.” On the evolution of entrepreneurship over time: “Entrepreneurship has moved from being something for the very few 80 years ago, to something for the brave 40-50 years ago, to today where I believe it is an absolute necessity for the many.” On the key point: “Our real objective is to be a part of making success in entrepreneurship something that is equally available to folks whether they’re rich, poor, black, white, man, woman…in this current world, that is an impossibility, but that’s our objective. We know that we’re going to need a ton of money to do this, and we’re going to have to pick a lot of fights, and we’re preparing for that.” To learn more about Expert DOJO, check out their website, and also download their podcast, The Art of Startup War. To learn more about the Israeli model for entrepreneurship that Brian discussed, check out Startup Nation Central. Leave a review on Apple Podcasts Subscribe on Apple Podcasts | Spotify | Google | Amazon| Overcast Check out our MoneyNeverSleeps website Follow us on Twitter Podcast  Subscribe to our newsletter on Substack Get in touch at info@moneyneversleeps.ie
39:29
October 30, 2020
108: Alphabet | Emmett Kilduff and Eagle Alpha
Emmett Kilduff, founder and CEO of Eagle Alpha, talks with Pete Townsend about alternative data, launching his first startup at the same time as the Lehman collapse, pairing his conviction on the ‘problem-to-solve’ with staying power while waiting for the market….and his secret life as a Montréalais! EPISODE OVERVIEW: Founded here in Ireland about 8 years ago, Eagle Alpha are Pioneers Connecting the Universe of Alternative Data. Pete first came across Eagle Alpha a few years ago following an intro from Enterprise Ireland, and they’ve stayed in touch ever since. With Eagle Alpha’s strong base of clients in the US hedge fund market, and Pete having a long history in this space, he has always been keenly interested in how Emmett and Eagle Alpha are progressing. In this conversation, we also get into Emmet’s initial inspirations for Eagle Alpha, the benefit of patience when you know you’re right but the market’s not on board yet, and the importance of creativity in responding to the unexpected. HIGHLIGHTS: On the influence of a father who was Ireland’s first successful fintech entrepreneur, which meant Emmett ended up “reading business plans and novels instead of novels as a young kid and as a teenager.” On his first startup, CMYPitch.com, “That was my MBA in startups – you can’t go to Harvard or Stanford to learn that type of material, you’ve got to live through it.” On starting Eagle Alpha, having the conviction that "hedge funds should be relying on data to make data-driven investment decisions, not just sell-side analyst research reports.” On some of the examples of alternative data: satellite or geo-location imagery counting cars in retail parking lots in real-time at scale as a leading indicator of sales, tracking corporate jet activity, and analyzing anonymized credit card data to predict revenue for subscription-driven businesses like Netflix. On his key lessons on waiting it out: “Stay in the game, don’t try to overexpand or try to raise too much money, but try to educate the market to encourage the wave to come. On his origin story: “You won’t succeed in anything in life without hard work – even if the timing works in your favor, without hard work, you won’t grasp the opportunity.” Key point: “We’re still early after being in our market for 8 years – the big wave is still to come.” To learn more about Eagle Alpha, check out their website, and also download their podcast, Profiting from Data. Leave a review on Apple Podcasts Subscribe on Apple Podcasts | Spotify | Google| Amazon| Overcast Check out our MoneyNeverSleeps website Subscribe to our newsletter on Substack Follow us on Twitter Podcast |Twitter Pete |Twitter Eoin If you are interested in sponsoring the show, get in touch at info@moneyneversleeps.ie
39:04
October 22, 2020
107: Cross-Trainers | Sorcha Finucane and TrainedIn
Sorcha Finucane, Founder of TrainedIn, talks with Pete and Eoin about her inspiration for the business, the network effects of the platform, the ‘platformification’ of trust and referrals, the fairness of SME access to training vs. that of big business, how experience with both sides of the problem increases network value….and her life in an alternate universe in the military! EPISODE OVERVIEW: TrainedIn is an online platform assisting training and consultancy providers in showcasing their business and services while connecting them with individuals and organisations in need of their services. When we learned about Sorcha and TrainedIn recently, our initial intrigue was driven by the network effects of professional training, where buyers bring more sellers and sellers bring more buyers. Also, as the whole world of professional training became virtual very quickly a few months ago, we wanted to know more about how those delivering training and those in need of training programs were keeping things moving. Pete comes from a family of educators, and Eoin and his family are experienced in educational endeavors as well, so this one hits close to home. HIGHLIGHTS: Sorcha shared how she’s launched the TrainedIn network by artfully bringing both those in need of training and those providing training onto the platform in such a way that brings immediate value, but doesn’t fleece anyone, and the trust-building benefits of this approach. On creating opportunities: “We can bring smaller providers of training together to jointly tender for a big project, rather than the larger training providers getting all of the big jobs.” Top skills sought after on TrainedIn in a pandemic – health and safety, leadership, emotional intelligence, project management, wellness and that old chestnut - Excel training. Sorcha’s insight that everyone should spend some time in the hospitality industry, especially with understanding customer service, and “if you can communicate with people, you can travel the world with a hospitality passport.” On making the right jump: “If you’re thinking about taking a big leap as an entrepreneur, call someone who won’t give you a load of BS and will help you make up your own mind. It’s your own mind that you need to make up, it’s not someone telling you that you should do it, because you have to believe in what you’re doing or else it won’t work.” Finally, a shout out to Sorcha’s two dogs, Coco and Reilly, as the first ever non-humans on the show! To learn more about TrainedIn, get in touch at contact@trainedin.global. Leave a review on Apple Podcasts Subscribe on Apple Podcasts | Spotify | Google| Amazon| Overcast Check out our MoneyNeverSleeps website Subscribe to our newsletter on Substack Follow us on Twitter Podcast |Twitter Pete |Twitter Eoin Hit us up on info@moneyneversleeps.ie
40:21
October 16, 2020
106: Money Talks #24: Breaking Big Tech | Catch-22 of B2C Fintech | How to 'Love the No' from VCs
This week, Pete and Eoin take look at what to do about the condemnation of Big Tech’s alleged monopoly powers according to US lawmakers, the catch-22 of consumer fintech, Apple One and ‘Rundles’, getting something from VCs if not a check….and godspeed, Eddie Van Halen. THIS WEEK’S STORIES: House Lawmakers Condemn Big Tech’s ‘Monopoly Power’ (NY Times, 6-Oct-20) · Do you break up Big Tech (Google Amazon, Facebook, Apple, Microsoft) by geography or by product line? · Is financial services the Mr Burns-slash-Dr-Evil strategy for Big Tech? No, I think it was more about monetizing their user base. · By being so big, Big Tech create an exit strategy for tech startups – if Big Tech is broken up, will it significantly impact your eventual exit plan? How to design fintech for prime users? Embrace complexity (a16z Fintech Newsletter Sep-20, Anish Acharya) · How does fintech address the complicated financial lives of those with too much wealth for their financial life to be simple, but too little wealth to pay someone to manage it for you? · If I’ve had a long career and always invested with traditional players, I do probably want someone to talk to. If I’m a bit earlier on in my career and made my money on tech, I’m probably more open to managing things mostly through an app. Apple One (15-Sep-20, Apple.com) · Apple One now offers customers Apple Music, Apple TV+, Apple Arcade, iCloud, and more services in one simple plan. · ‘Rundles’ - recurring revenue bundles - where challenger banks and consumer fintech need to go, managing your entire lifestyle through a single app. The Winning Psychology of Top Founders in Fundraising Meetings (NFX, James Currier, 8-Sep-20) · Pete and Eoin each pick their top 5 questions from NFXfor founders to ask VCs, as 90 percent of pitch meetings don’t lead to a check, and it’s better to get insights than a bag of rocks. Eddie Van Halen fans remember his work on Michael Jackson’s classic hit ‘Beat It’ (NME, 7-Oct-20) Leave a review on Apple Podcasts Subscribe on Apple Podcasts | Spotify | Google| Amazon| Overcast Check out our MoneyNeverSleeps website Subscribe to our newsletter on Substack Follow us on Twitter Podcast |Twitter Pete |Twitter Eoin If you are interested in sponsoring the show, get in touch at info@moneyneversleeps.ie
36:30
October 9, 2020
105: Ease the Pain: David Soden and Aptimyz
David Soden, Co-founder and CEO of Aptimyz, talks with Pete Townsend about early entrepreneurial influences, finding purpose in a move from pharmaceuticals to B2B SaaS, the end-all-be-all of delivering customer value….and doubling down during lockdown! For more episodes and our entire back catalog of show notes go to MoneyNeverSleeps.ie. For insights delivered to your inbox beyond the spoken word, subscribe to our MoneyNeverSleeps newsletter right here on Substack. EPISODE OVERVIEW: This week Pete talks to David Soden, co-founder and CEO of Aptimyz, an Irish tech startup delivering a complete and affordable EPOS (electronic point of sale) and back-office management solution providing stability for retail in challenging times. If David and Pete had recorded this right after they met pre-lockdown in February, this conversation would’ve been much different! Think about it this way - you build some hard-fought traction with your startup and climb right up to the edge of hitting the market in a big way. Then, the unthinkable happens to not only your target market, but the entire world around you, and the physical interactions between consumers and small businesses that were a critical lever to your business, basically drops through the floor. Well, that’s pretty much a masterclass in “Dealing with Adversity” that you can’t get in any business school on Earth. HIGHLIGHTS: Being the youngest of five boys in an entrepreneurial household with both parents and two brothers running their own businesses: “It never looked easy, but it was always exciting, and I think I had the bug from that point.” On one of the biggest takeaways from his days in pharmaceuticals: “It was amazing as a young guy to be involved in a product launch going from zero to $1.5bn in 18 months, with that kind of scale, and see the pre-launch activity through to launch activity through to hyper growth. On his purposeful move from pharmaceuticals to SaaS: “It was always important to have that north star and know what you’re working for and why you enjoy doing it.” On his mantra as a startup founder: “It’s not worrying about the money, it’s worrying about whether you’re truly relieving a pain point for the customer.” On his thoughts on startups: “For anyone interested in doing a startup, it’s isn’t easy, and if it is easy, there’s a good chance you’re fooling yourself that you’ve found something that’s really worth it.” On digitalizing retail: “It isn’t about having a till or a PoS and then going online, it’s about having a digital business with a physical connection to the customer in store, and the virtual connection with the customer online, but managing it all in one place.” On the pandemic: “When it hit in March, it was kind of a hold-your-breath moment, and then we realized we could give up, or double down. We doubled down and expanded the team.” On delivering value: “There are a lot better things that retailers can be doing with their money right now than spending it on old PoS hardware.” On lessons learned from pitching to investors: “Be sure of what you want going into it because you can’t cry about it afterwards if you end up with a bad deal.” On looking ahead: “It’s a huge challenge, but we’ll be successful if we deliver customer value. It’s not about the shiny buttons, it’s about helping customers run their businesses more efficiently. “ To learn more about Aptimyz, get in touch at info@aptimyz.com. Follow us on Twitter @MNSShow, @PeteTownsendNV and @EoinFitzgerald9
44:44
October 2, 2020
104: Money Talks #23: European Startup Scaling and TransferWise in the Money
This week, Pete and Eoin take another look at the TikTok deal as a bellwether for change in how entrepreneurs outside the US look at the American market, a peek inside the now-profitable fintech unicorn TransferWise, the Nikola scam, the Yandex-Tinkoff tie-up, YCombinator’s acid test….and Cobra Kai! This episode is kindly sponsored by Ireland’s fintech and financial services recruitment specialists, Top Tier Recruitment.  If you would like an intro to the team at Top Tier Recruitment, please click here. For more episodes and our entire back catalog of show notes go to MoneyNeverSleeps.ie. For insights delivered to your inbox beyond the spoken word, subscribe to our MoneyNeverSleeps newsletter right here on Substack. THIS WEEK’S STORIES: What the US and China’s tussle over TikTok means for Europe (Sifted, Nicolas Colin - 23-Sep-20) - Revisiting a story we covered on episode 97: Microsoft Goes Tik Tok and Monzo on the Clock.  But, Microsoft didn’t go TikTok, Oracle and Walmart did, and here’s a good overview of that deal from the Motley Fool.  Pete and Eoin walk through rethinking the default go-to scaling strategy of European startup founders looking at the US as the holy grail. TransferWise reports second year of profit, revenue almost doubles (CNBC, 10-Sep-20) - Pete and Eoin talk through a different way to think about a challenger fintech rather than just a better bank. Russia’s Yandex Agrees $5.5Bln Deal For Tinkoff Bank (Moscow Times, 22-Sep-20) Nikola saga hits three speculative areas at once: SPACs, Robinhood traders and electric vehicles (CNBC, 21-Sep-20) Start-up co-founded by ex-Goldman trader is first fintech to complete takeover of a national bank (CNBC, 4-Sep-20) Michael Seibel – Lessons from Thousands of Startups (Invest Like the Best, EP.190) Strike First… and Chill: Cobra Kai Moves to Netflix (Ted Theodore Logan, Medium, 9-Jul-20) Also, a special thank you goes out to Paul and Laura Smyth at Top Tier Recruitment for sticking with us as such supportive sponsors and friends! For more episodes and our entire back catalog of show notes go to MoneyNeverSleeps.ie. Follow us on Twitter @MNSShow, @PeteTownsendNV and @EoinFitzgerald9.
42:39
September 25, 2020
103: Ya Know The Rules | Jill Richmond and Jewel
Jill Richmond, Co-founder and Chief Revenue Officer of Jewel, joins the show this week to talk about having agility at the core of everything they do, the relationship between regulations and problem solving…and backpacking solo through eastern Africa! This episode is kindly sponsored by Ireland’s fintech and financial services recruitment specialists, Top Tier Recruitment.  If you would like an intro to the team at Top Tier Recruitment, please click here. For more episodes and our entire back catalog of show notes go to MoneyNeverSleeps.ie. For insights delivered to your inbox beyond the spoken word, subscribe to our MoneyNeverSleeps newsletter right here on Substack. EPISODE OVERVIEW: Jewel is a proposed Bermudian Bank and technology firm building banking infrastructure for digital assets as a bridge to fiat banking. The Jewel team brings a deep set of experience in regulated financial businesses, has provided leadership and guidance on new banking and finance policy in the US and emerging markets, and has a track record of delivering innovative and compliant new financial market solutions. Jewel recently announced their partnership with Anchorage, a platform for digital asset custody. In this episode, Jill talks to Pete Townsend about building the business in a fast-moving market while being in the midst of a licensing process, and a few of her personal experiences over the years – see below for some of the best soundbites: On building solutions for the fast-moving digital assets market:“Our own agility has to be core to what we’re building. As the market matures, we have to pay very close attention to how the core problems that we’re solving are evolving, and how quickly we can build solutions.” On responding to new information from the digital assets market: “As the information coming at us changes, we just keep asking ourselves, ‘Are the problems we’re solving immediate and are they a priority. Even though the industry is changing, the regulatory environment isn’t moving as quickly.” On the relevance of her earlier days of building policy for refugee programs to her current modus operandi: ”It was always a policy-first process. I think I recognized that with building something disruptive and innovative in banking, it has to be led with policy as well. If we’re entering a very regulated space as a bank, we have to focus on regulatory clarity first.” Also, listen in for stories about Jill’s formative years as a 10-year-old entrepreneur generating 20x returns, her adventures as a solo backpacker in east Africa and her steadfast refusal to postpone the recording of this podcast even though her car was broken into that morning! To learn more about Jewel, get in touch at info@dltjewel.com, and you can follow Jill on Twitter @JillRichmond77. For more episodes and our entire back catalog of show notes go to MoneyNeverSleeps.ie. Sign up for our weekly MoneyNeverSleeps newsletter on MoneyNeverSleeps.substack.com Follow MoneyNeverSleeps on Twitter @MNSShow, Pete Townsend @PeteTownsendNV and Eoin Fitzgerald @EoinFitzgerald9
35:40
September 18, 2020
102: Connector: Jean Evans and Venture Business Network
Jean Evans from the Venture Business Network in Ireland joins the show this week to share her insights on how to get started with professional networks, building your own board of advisors by developing your network, and being a master networker and a shy introvert at the same time. For more episodes and our entire back catalog of show notes go to MoneyNeverSleeps.ie. For insights delivered to your inbox beyond the spoken word, subscribe to our MoneyNeverSleeps newsletter right here on Substack. EPISODE OVERVIEW: The Venture Business Network is a dynamic community of business owners and leaders who share their knowledge and connections to support one another in the development of more successful businesses. We’ve been talking a lot about how the shift to mostly virtual or virtual-only interaction with customers and investors has impacted entrepreneurs in the last few months, and how everyone is adapting. So, we were thrilled to connect with Jean to dive into how important it is to keep your wider network engaged. In this episode, Jean shares her experiences and insights on: Her “just get on with it” mindset to picking up the phone and speaking in Italian in the formative years of her career. How she became a connector of people across different geographies and industries through leadership roles in the organisation of professional conferences. Her passion for networking and how she helps those new to professional networking accelerate their engagement. How networking delivers far more benefits to you in the future than in the short-term, and how the “give first” mentality will ultimately come back to you positively. To learn more about the Venture Business Network, you can reach out to Jean Evans at jean@venturenetwork.ie. For more episodes and our entire back catalog of show notes go to MoneyNeverSleeps.ie. Sign up for our weekly MoneyNeverSleeps newsletter on MoneyNeverSleeps.substack.com Follow MoneyNeverSleeps on Twitter @MNSShow Follow co-host Pete Townsend on Twitter @PeteTownsendNV Follow co-host Eoin Fitzgerald on Twitter @EoinFitzgerald9
32:16
September 11, 2020
101: Digital Underground: Ambre Soubiran and Kaiko
Ambre Soubiran, CEO of Kaiko, joins the show this week to talk about how the pioneers of crypto and blockchain laid the foundation for the transformation of capital markets, Kaiko’s role beyond crypto as a financial market data provider…and the best route for sailing across the Atlantic! This episode is kindly sponsored by Ireland’s fintech and financial services recruitment specialists, Top Tier Recruitment.  If you would like an intro to the team at Top Tier Recruitment, please click here. For more episodes and our entire back catalog of show notes go to MoneyNeverSleeps.ie. For insights delivered to your inbox beyond the spoken word, subscribe to our MoneyNeverSleeps newsletter right here on Substack. Check out our inclusion in FeedSpot’s Top 20 Entrepreneur Podcasts You Must Follow in 2020. EPISODE OVERVIEW: Kaiko was founded in 2014 and is now a market data provider in the blockchain-based digital assets space, providing institutional investors and market participants with enterprise-grade data infrastructure. In this episode, Ambre talks through the intersection and merging of Kaiko’s story with her personal story – see below for some of the best soundbites: On her entry point to the crypto and blockchain space: “In 2012, for me it was a refreshing new venture, I was going to these really random bitcoin meetups in these underground venues on Brick Lane in London, it was really sketchy at the time, but in a good way. It was really smart people that were inspired and changing the world and doing so in a technological and mathematical way that were really close to my heart.” On thinking about crypto differently: “Bitcoin is very often perceived as a “crypto-anarchist revolutionary-against-institutions” mindset, which is indeed the genesis of it, but not everyone is like that, and I think it was more about challenging the status quo and re-thinking the notions of money, and that’s what I really liked about those meetups. On dispelling market rhetoric: Banks definitely don't ignore blockchain anymore, but I was trying to push it at a time when they weren't ready for it yet. But the “blockchain-good-crypto-bad” mindset frustrates me a little bit, because what makes a blockchain work are the consensus and incentivization mechanism. If you don’t have a unit of value, i.e., a cryptocurrency or token, that incentivizes people to maintain the network in a decentralised way tied to a blockchain, you're missing out on the main points of what makes a blockchain work. On knowing your target investors: If you’re a founder in the blockchain or crypto space, and you have to spend the first 15 minutes of a 30-minute pitch to a VC explaining blockchain and crypto, you’re in the wrong meeting. On the capital markets: The capital markets industry is definitely less creative than it used to be, and that’s one of the things that drove me to crypto is that there’s still so much room to build. To learn more about Kaiko, get in touch at hello@kaiko.com, and you can get in touch with Ambre at Kaiko directly at ambre@kaiko.com. For more episodes and our entire back catalog of show notes go to MoneyNeverSleeps.ie. Sign up for our weekly MoneyNeverSleeps newsletter on MoneyNeverSleeps.substack.com. Follow MoneyNeverSleeps on Twitter @MNSShow.
45:34
September 7, 2020
100: Money Talks #22: Challenges of the Challengers and Top 10 Episodes
For the 100th episode of MoneyNeverSleeps, Eoin and Pete dive into their favorite topic – the challenges of challenger banks – and look back to the first 99 episodes to build out a list of their Top 10 episodes. This episode is kindly sponsored by Ireland’s fintech and financial services recruitment specialists, Top Tier Recruitment.  If you would like an intro to the team at Top Tier Recruitment, please click here. For insights delivered to your inbox beyond the spoken word, subscribe to our MoneyNeverSleeps newsletter right here on Substack. Before we started the episode, we were thrilled to announce our inclusion in FeedSpot’s Top 20 Entrepreneur Podcasts You Must Follow in 2020. Thank you FeedSpot! We start this week with the crossover of a few pieces of content from the past two weeks on challenger banks, in particular the Big 3 of Monzo, Starling and Revolut. Recent reports highlighted their financial results and compared and contrasted them, and one thought from Lex Sokolin of the Fintech Blueprint particularly struck a chord, and this is at the heart of what we dug into on the first half of this episode through the following stories: Starling, Revolut and Monzo’s annual results compared (Sifted, 17-Aug-20) Art Wittmann, Industry Research in “Chasing Profitability in a Changing Media Landscape” (Oracle NetSuite’s Brainyard)- how media companies make money PRA challenges business models of new banks in consultation paper (Finextra, 24-Aug-20) In the second half of the episode, Pete and Eoin each went through their Top 5 MoneyNeverSleeps episodes of all time to come up with the Top 10. Listen in to find out why, and also hear our ‘honorable mentions’, but here’s the big list! Ep 99 - Peter Geoghegan and Democracy for Sale Ep 93 - Be Direct - Zac Liew Ep 57 - The Prediction - Andrew Mullaney Ep 42 - Big Bank - Sean Faughnan Ep 38 - Friends & Respect - Laura Smyth, Paul Smyth, Lisa White, Vessy Tasheva Ep 37 - Fight for your Right - Graham Rodford Ep 26 - Birds of a Feather - Ann O’Dea Ep 23 - Money Made Me Do It - Elaine Deehan Ep 15 - Angels - Chris Adelsbach Ep 1 - The Re-up - Brian Norton Thanks to all of our guests since May 2018 for their willingness to join us, their openness, their insights and above all else, helping us to figure out what makes them do what they do.  Please visit MoneyNeverSleeps for all of our other episodes.
51:06
August 28, 2020
099: Money Talks #21: Peter Geoghegan and Democracy for Sale
This week, Eoin and Pete have the pleasure of talking to Peter Geoghegan about his book,  ‘Democracy for Sale: Dark Money and Dirty Politics’.  It is a fascinating story of how undisclosed donations have infiltrated British politics, undermining public faith in democracy and fuelling the rise of populism across the West. Pete and Peter also discuss their common love of baseball and cricket and Peter shares a fascinating story about emigration from Longford to Argentina! This episode is kindly sponsored by Ireland’s fintech and financial services recruitment specialists, Top Tier Recruitment.  If you would like an intro to the team at Top Tier Recruitment, please click here. For insights delivered to your inbox beyond the spoken word, subscribe to our MoneyNeverSleeps newsletter right here on Substack. Peter Geoghegan is an Irish writer, broadcaster and investigations editor at the award-winning news website openDemocracy. He led openDemocracy‘s investigations into dark money in British politics that were nominated for a 2019 British Journalism award and the Paul Foot award. His journalism has appeared in the New York Times, the Guardian, the London Review of Books and many other publications. He has made documentaries for BBC Radio Four, worked on investigative TV programmes for Channel 4 and regularly appears on British and international broadcast outlets. His most recent book, Democracy for Sale: Dark Money and Dirty Politics, was published in August 2020 by Head of Zeus. His previous book, The People’s Referendum: Why Scotland Will Never Be the Same Again, was nominated for the Saltire First Book Award. He is co-founder and current chair of Scottish investigative website the Ferret and lives in Glasgow and London.
45:58
August 21, 2020
098: Loyal to the Soil: Faye Walsh Drouillard and WakeUpCapital
Faye Walsh Drouillard from WakeUp Capital joins the show to talk about how her formative years and life experience drove her towards early stage impact investing, the two biggest challenegs we face as a global population and fuelling self confidence with humility, constant curiousity and a drive to do better. This episode is kindly sponsored by Ireland’s fintech and financial services recruitment specialists, Top Tier Recruitment.  If you would like an intro to the team at Top Tier Recruitment, please click here. For insights delivered to your inbox beyond the spoken word, subscribe to our MoneyNeverSleeps newsletter right here on Substack. Faye is the founder and principal of WakeUp Capital, an Ireland based early stage impact fund that backs European companies already shaping a better, brighter future for people and planet. Faye grew up and spent her formative years between Washington DC and the West Coast of the US, and she credits these early experiences in shaping her view of the world and her ambition to do something about the two biggest challenges we face as a global population  – mass inequality and climate change, Just a heads-up - we’ve been moving platforms over the past few episodes, and still working out the kinks, so Pete’s track is a notch below what we’d like it to be, but it was a great conversation and we know you’ll enjoy it.  Faye shared a lot of great insights on this episode, including:  On geographic parallels to personality: “The west coast feels very much home for me when I’m there because of many of the traits that people who are in entrepreneurship and startups and investing look for - open spirit, innovation and trying something new.” On her time with the Freedom Writers Foundation: “It’s one thing to go and work with really determined entrepreneurs, it’s another thing to work with young people who have overcome things such as homelessness, drug abuse, mental issues, being brought to America as illegal immigrants and then to help them become part of this business with an aim to improve educational outcomes for students worldwide.” On her impetus for becoming an investor: “I realized that there are so many wonderful entrepreneurs out there having epiphanies and light bulbs going off and having great ideas, but how could I take my knowledge and experience and influence the people who had the funds?  I really wanted to get inside their minds and figure out how they made their investment decisions.” On her motivation: “For me, the unwillingness to accept the status has to do with the two biggest challenges we face as a global population - mass inequality and climate change.  These are not entirely new today, but more people seem to be paying attention to them, but I’ve been frustrated with both of those issues for a good part of my life." On the impact of impact: “We want to help early stage entrepreneurs understand how to measure the impact they’re having on society and the planet, and grow the space of impact investing, so that stakeholders and co-investors know what it really means.” Please visit https://www.moneyneversleeps.ie/ for all of our other episodes.  Also, follow us on Twitter @MNSShow, @PeteTownsendNV and @EoinFitzgerald9 for updates and more information.
47:29
August 14, 2020
097: Money Talks #20: Microsoft Goes TikTok and Monzo on the Clock
This week, Pete and Eoin dive into the curious deal brewing between Microsoft and TikTok, a crystal ball view into what's going on with the challenger bank Monzo, all topped off with the recent news on Square and piped-in crowd noise for Pete's beloved Boston Red Sox.. This episode is kindly sponsored by Ireland’s fintech and financial services recruitment specialists, Top Tier Recruitment.  If you would like an intro to the team at Top Tier Recruitment, please click here. For insights delivered to your inbox beyond the spoken word, subscribe to our MoneyNeverSleeps newsletter right here on Substack. Stories covered and and things we touched on this week include: The biggest problem with Microsoft’s fractured TikTok deal (The Verge, 4-Aug-20) Monzo sees losses double despite revenue bump (Sifted, Isabel Woodford, 30-Jul-20) Square’s Big Bitcoin Haul Is Good for Square but Better for Bitcoin (Barron's, 5-Aug-20) John Collison – Growing the Internet Economy  - do general accounting practices need to change to capture the true value of a company like Stripe?  (Invest Like the Best, EP.178) Artificial-noise plan is designed to get the crowd into the game at Fenway Park (Boston Globe, 23-Jul-20) Please visit https://www.moneyneversleeps.ie/ for all of our other episodes.  Also, follow us on Twitter @MNSShow, @PeteTownsendNV and @EoinFitzgerald9 for updates and more information.
34:33
August 7, 2020
096: The Trilogy: Elaine Deehan, Starling Bank and EWPN
This week, we welcome Elaine Deehan from Starling Bank back to the show with a session recorded as part of a Virtual Meetup organised by FSCom for the European Women’s Payment Network last month.  Elaine was originally on episode 23 when she was the founder of Pocketwire, and we remastered that for episode 76 as it’s one of our most popular episodes. This episode is kindly sponsored by Ireland’s fintech and financial services recruitment specialists, Top Tier Recruitment.  If you would like an intro to the team at Top Tier Recruitment, please click here.   For insights delivered to your inbox beyond the spoken word, subscribe to our MoneyNeverSleeps newsletter right here on Substack. Top soundbites include: Pete's description of "the Trilogy" in the context of Elaine's career:  "Your experience with the innovation lab at Citi, then onto Currency Fair, and then starting PocketWire I likened to someone going from Cadbury, then onto Butler's and then Godiva on the path to a chocolate addiction - you’re spending more of your own money but it just tastes so good." On Elaine's past experience working in an innovation lab: "One thing we did a lot of in the innovation lab was look at startups and the startup ecosystem and the startup mentality and how you can replicate that in a large company, which is really hard to do.  There’s much more to startups and being agile than just saying I’m going to put a scrum or an agile framework around how we do things."  On her move into Starling Bank:  "The trilogy - everything I had built upon with Citi, CurrencyFair and Pocketwire - is what opened the door into Starling for me." On her experience so far with Starling Bank:  "It’s been an absolute baptism by fire.  We’ve gone from writing policy and procedure and designing what the bank would look like in Ireland to just doing it by answering customer queries at two in the morning for the UK business.  This is really helpful to us when we go live because I’m dealing with customers on the front line and getting real issues that are even more compounded by the pandemic. " On her analogy between the London Underground and big bank technology: " The rest of the world above the ground is modernising and the tube is trying to serve passengers and run on this old network of tunnels, and while they’re upgrading it’s hard to make that complete change because it’s just so far down underground and so complex." Random links include: Pete's opening reference to Lloyd Dobler and a clip from Say Anything as an analogy to the circuitous startup conundrum of product, customers and funding.   Please visit https://www.moneyneversleeps.ie/ for all of our other episodes.  Also, follow us on Twitter @MNSShow, @PeteTownsendNV and @EoinFitzgerald9 for updates and more information.
31:52
July 31, 2020
095: Money Talks #19: Twitter Hacked | Ant Goes Marching | Instagram Goes Shopping | Robinhood Goes Home
In this week's Money Talks segment, Pete Townsend and Eoin Fitzgerald dig into the recent Twitter Hack and how it might have been much worse, the Ant Group IPO and their status as the 'online mall for everything', Instagram's opportunity to become America's favorite shopping mall and Robinhood dropping out of the UK before launching.
35:23
July 24, 2020
094: Natural Born Starter: Gene Murphy and Startup Boost
Gene Murphy, co-founder of Startup Boost joins our first video edition of the podcast to talk about his earliest entreprenurial experiences, the overnight evolution of Startup Boost to the virtual world, the art of mentorship...and his short-lived reign as Ireland's number one Male Health and Beauty reporter!
50:25
July 17, 2020
093: Be Direct | Zac Liew and Curlec
Zac Liew, co-founder and CEO of Curlec joins the show to talk about the societal influences of what works well in fintech, how Curlec is enabling the subscription economy in Southeast Asia and getting comfortable being uncomfortable. This episode is kindly sponsored by Ireland’s fintech and financial services recruitment specialists, Top Tier Recruitment.  If you would like an intro to the team at Top Tier Recruitment, please click here. For insights delivered to your inbox beyond the spoken word, subscribe to our MoneyNeverSleeps newsletter right here on Substack. This week we talk to Zac Liew from Curlec, a fintech startup helping SMEs overlooked by traditional banks collect recurring payments with their automated platform, replacing manual methods like cash, checks and credit cards.  Zac and Pete connected through their respective networks recently from one of those conversations that Pete had that went like “based on what you just said, you need to meet Zac Liew.”  Being a trusting soul, Pete did just that, and this episode is the result of that decision. In this conversation, Zac and Pete connected on a more universal level with their respective interests in societal influences, how people spend money, a cross-over reference to Islamic finance and the impact of family lineage on an individual's tendencies to build.  Zac and Pete also got into how first time entrepreneurs need to get comfortable being uncomfortable, and the network effect of Zac being named to the Forbes 30 Under 30 for Finance and Venture Capital.  See below for some of the key takeaways: On Zac's upbringing "I’ve always had a desire to      build something and pursue a career in entrepreneurship - that stems from      my family, and growing up with parents who were both entrepreneurs." On one of the triggers to launch Curlec: "Living      in the UK three to four years ago, I'd go back to KL (Kuala Lumpur) for      holidays, and every time I came back it felt like the country was moving      quicker in terms of fintech, and there was a big wave coming and the      timing was right." On the view on Southeast Asia from the West:       "A lot of people loop this region into one, but when you go into the      details, not only culturally is it different from country to country but      also in terms of infrastructure." On the big question for scaling:  "Do you      wait for the banking rails to homogenize across Southeast Asia, or do you      homogenize your product to sit on top of multiple rails?  To hedge      our bets, we're adding new products as well." On the learning curve as a first time founder:       "Just keep pushing yourself, throwing yourself into uncomfortable      situations and you’ll eventually become comfortable.  That was a big      learning curve for me.  As a first time entrepreneur, get comfortable      being uncomfortable." Please visit https://www.moneyneversleeps.ie/ for all of our other episodes.
42:54
July 9, 2020
092: Money Talks #18: Wirecard & BaaS | Circit as a Panacea | Diffuse & Overseas Startup Investors
In this week's Money Talks segment, Pete Townsend and Eoin Fitzgerald look ahead to the impact of Wirecard on Banking-as-a-Service, how the Irish tech startup Circit could have prevented the Wirecard audit mess, and Diffuse's take on startups looking overseas for venture capital investors. This episode of MoneyNeverSleeps is kindly sponsored by Ireland’s fintech and financial services recruitment specialists, Top Tier Recruitment.  If you would like an intro to the team at Top Tier Recruitment, please click here. For insights delivered to your inbox beyond the spoken word, subscribe to our MoneyNeverSleeps newsletter right here on Substack. In this episode, Eoin and Pete dig into pieces of content from this week that are relevant to the cosmic cloud of startups, tech, venture deals and enterprise in which they live. The main stories stories covered in this week's episode include: · BaaS Works, it's the Regulations That Don't (Chris Skinner's blog, 30th June) · A special segment from David Heath, founder and CEO of Irish tech startup Circit, on how Circit could have prevented the Wirecard audit mess where Wirecard's purported cash balances were not being properly confirmed by auditors. · The Problem with Raising Money Overseas(Diffuse blog, 1st July) · Japan's SBI to Launch Crypto Fund with 50% in XRP(iHodl, 26th June) · Unilever and Verizon are the latest companies to pull their advertising from Facebook (TechCrunch, 26th June) · Deutsche Bank Taps Symphony & WhatsApp for Messaging Platforms (MarketsMedia, 25th June) · ‘Flying Blind Into a Credit Storm’: Widespread Deferrals Mean Banks Can’t Tell Who’s Creditworthy (WSJ (paywall) 29th June) Books we're reading this week: On Pete's Kindle this week is My Trip to the Startup World: the Voice of Fintech by      Rudi Falat who was on episode      74 Eoin is reading only news and blogs this week as he's      been drafting the MoneyNeverSleeps newsletter! Please visit https://www.moneyneversleeps.ie/for all of our other episodes.
43:34
July 3, 2020
091: Money Talks #17: Speeding up the Enterprise Sales Cycle with David Vatchev from R3
This week we talk to David Vatchev, Venture Development Lead at R3, on what it takes to survive uncertainty, stay relevant to investors while the venture capital cycle slows down, and also understand, measure and speed up the enterprise sales cycle...a big ask for anyone!
49:11
June 26, 2020
090: Money Talks #16: WhatsApp, Backstage, Revolut & Olivia
On this week's episode, Pete and Eoin dive into payments on WhatsApp, the paradox between investing in underrepresented founders and the current demographics of venture capital, and getting digitally closer to your spending through Revolut and Olivia.
49:19
June 19, 2020
089: All In a Day's Work | Garrett Cassidy and Trezeo
Garrett Cassidy, co-founder and CEO of Trezeo, joins the show to talk about making financial services accessible to independent workers, the snowball effect of impacting people's lives, mental health perspectives in the startup community....and the impact of scuba diving on his ability to communicate!
51:43
June 12, 2020
088: Money Talks #15: Digital VC, Jack Dorsey, Mark Zuckerberg and Elon Musk
In this week's Money Talks segment, Pete Townsend and Eoin Fitzgerald dive into the difference between video and live interactions between startups and their investors, the role of Twitter and Facebook as arbiters of the truth, a look back at the demographics from the first two years of this podcast and the monumental inspiration from spaceflight.
39:55
June 5, 2020
087: Ultra Violet | Conor McGinn and Akara Robotics
Conor McGinn from Akara joins the show to talk about the human side of robotics, drawing motivation from skeptics, having all of the ingredients to scale a robotics and artificial intelligence business in Ireland....and how Akara are like a prize fighter in the best shape of their life just waiting to take on the world! This episode is kindly sponsored by Ireland’s fintech and financial services recruitment specialists, Top Tier Recruitment.  If you would like an intro to the team at Top Tier Recruitment, please click here. This week we talk to Conor McGinn from Akara Robotics, an Ireland based startup building robots that care.  Akara are currently engaged in their seed round to raise capital from investors to bring their innovations to market quicker, and Pete was introduced to Conor through Eamonn Carey's 'Sharing Dealflow' newsletter.  Given the direction that this podcast has gone in the past two years from its fintech roots into a few tech-driven human interest stories but then an exploratory dive into crypto, blockchain and venture capital, it's about time we took a look at robotics.  Conor really got Pete Townsend thinking on this one, especially with Akara’s sense of purpose and making an impact through deep expertise in robotics and artificial intelligence combined with first-hand experience with the problems they’re solving.  Akara is a spin-out company from Trinity College Dublin, and builds on over a decade of pioneering scientific research in robotics and artificial intelligence. This research goes all the way back to 2010 when Conor was a PhD student, and then an Assistant Professor at Trinity from 2014 onwards.  After years and years of researching, designing, building, researching, designing, building, let's fastforward to today - Akara’s social robot designed to help keep seniors socially connected, whose name is Stevie, recently made the cover of Time magazine with the headline, “The robot that could change the senior care industry.”  A few months after Time's coverage of Stevie, Akara's second robot, Violet, was also covered by Time magazine as "the robot that could kill the COVID19 virus".   At his core, Conor is an engineer who just wants to develop technology that has a positive impact. To listen to more, please visit https://www.moneyneversleeps.ie/ for all of our other episodes.  Also, follow us on Twitter @MNSShow, @PeteTownsendNV and @EoinFitzgerald9 for updates and more information.
45:56
May 29, 2020
086: Money Talks #14: Pizza Arbitrage - Doordash, Uber, Grubhub and Growth at All Costs
In this week's Money Talks segment, Pete Townsend and Eoin Fitzgerald dig into a slice of "Pizza Arbitrage" from the Margins blog by Ranjan Roy and Can Duruk on the Doordash, Uber and Grubhub strategies of growth at all costs, and delve into the importance of recharging yourself, work-life and pandemic-driven cultural changes and the staying power of massive retail brands.
35:11
May 22, 2020
085: Money Talks #13: Finn Murphy - Seed Investing in Ireland
Finn Murphy from Frontline Ventures joins the show to talk about a people-centric view to investing in early stage startups, what it takes to scale Irish startups to nine-figure revenue levels, what typically lures Irish startups to the UK, US or Continental Europe, and how his own competitive drive works well in venture capital.
43:04
May 15, 2020
084: Money Talks #12: Challenger Bank Brands - Bó, Revolut & N26
This episode is kindly sponsored by Ireland’s fintech and financial services recruitment specialists, Top Tier Recruitment. If you would like an intro to the team at Top Tier Recruitment, please click here.In this episode, Eoin Fitzgerald and Pete Townsend dig into three pieces of content from this week that are relevant to the cosmic cloud of startups and enterprise in which they live, with a focus on the latest news from challenger bank brands. The stories covered in this week's episode include: RBS axes digital bank Bó (TechCrunch, 01-May-20) - Bó, the digital bank developed by RBS-owned Natwest, is to shutter, just 6 months after launching publicly and gathering 11,000 customers. Revolut on the hunt for acquisitions (FT, 06-May-20) - Revolut is looking to use some of the proceeds of its recent $500m fundraising to buy rival technology companies that have been hit by the coronavirus pandemic, with an unexpected focus on travel aggregators. N26 raises another $100mn at $3.5bn valuation (Finextra, 06-May-20) - N26 recently ditched their UK strategy but expanded to the US with some initial success - but what's next for them in competing with Revolut, Monzo, Starling and Chime? Besides the obvious benefit of Revolut and FX, why would you chose one over the other? Also, deeper insight on other topics we referred to include the below that were conveniently published in the two days between recording and publishing this episode: Wirecard's troubles - as covered by Chris Skinner on 08-May-20. Build, buy or transform a bank - also from Chris Skinner on 07-May-20  Finally, see below for Pete and Eoin's latest reads referred to on this episode: Dollars and Sense: How We Misthink Money and How to Spend Smarter - Dan Ariely Talking to My Daughter About the Economy - Yannis Varoufakis Moth Smoke and The Reluctant Fundamentalist - both by Mohsin Hamid To listen to more, please visit https://www.moneyneversleeps.ie/ for all of our other episodes. Also, follow us on Twitter @MNSShow for updates and more information.
39:31
May 8, 2020
083: The Search | Ash Quinn and VideoRankMe
This episode is kindly sponsored by Ireland's fintech and financial services recruitment specialists, Top Tier Recruitment. If you would like an intro to the team at Top Tier Recruitment, please click here. This week we talk to Ash Quinn from VideoRankMe, an Ireland-based early stage tech company doing some amazing things with online video and search engine optimization (SEO). VideoRankMe is the first Google-approved video ranking technology for immediate 'Page One' results on Google and YouTube. Ash has a really interesting background with her soul-searching pivot away from her law degree in 2018 and her re-entry into the professional world driving digital businesses forward. She also operates in a similar role with MoShoppa, a turnkey ecommerce platform and recently spun up Sweat25 connecting individuals with certified fitness professionals running live online classes. In this episode, we cover: Staying true to yourself and knowing deep down inside that you've made the right call. An ability to get things done quicker without the time-eating necessity of business travel to New York and London, and also have a better work-life balance at the same time.  The need to fine-tune your product for the right audience after initial success with the low-hanging fruit. The "fire in the belly" moment Ash gets every time she gets that "wow" from the customer where they see their brand on the top page of Google. Having the right work ethic and being willing to do the job that no one else wants to do, and listening intently to make sure that she's soaking up whatever she can from the team. Having resilience, as startups are like rollercoasters, but you can get addicted to the emotions as they help you to push through and keep driving things forward. Having people on the ground in New York, a tech team in India and Romania, a CTO is in Tipperary, a CEO in Cork, and a senior consultant in Sydney means that digital-only interaction with the team is business-as-usual. The necessity of over-communication for distributed teams and how that approach can stop things from slipping through the cracks. Ash's education and her status as a Gaeilgeoir! To listen to more, please visit https://www.moneyneversleeps.ie/ for all of our other episodes. Also, follow us on Twitter @MNSShow for updates and more information.
29:35
May 1, 2020
082: Money Talks #11: Startup Support, Marc Andreessen's Build & Survival from NFX
This episode is kindly sponsored by Ireland’s fintech and financial services recruitment specialists, Top Tier Recruitment. If you would like an intro to the team at Top Tier Recruitment, please click here.In this episode, the comeback kid, Eoin Fitzgerald, finally rejoins Pete Townsend as they dig into a few of the things that happened in the past week in tech, venture deals, and the topics that they generally cover in their day jobs. The stories covered in this week's episode include: UK Government launches £1.25bn plan to help struggling UK start-ups - How high (or low) does the investment committee making these decisions set the bar? Andreessen Horowitz’s (a16z) Marc Andreessen and his ‘It’s Time to Build’ essay - There is a “widespread inability to build” and the “problem runs deeper than your favorite political opponent or your home nation” - so take that off the table! NFX’s 28 Moves in a Downturn - Blog post in March by Pete Flint, a Managing Partner at NFX, a seed-stage venture firm based in San Francisco, focusing on managing losses, gaining ground and managing psychology. The Last Dance - Eoin Fitzgerald's personal recommendation for what to watch on Netflix. NFX's 16 Non-Obvious Fundraising Lessons -  Although we didn't dig into this one, we referred to it - an oldie but a goodie! To listen to more, please visit https://www.moneyneversleeps.ie/ for all of our other episodes. Also, follow us on Twitter @MNSShow for updates and more information.
35:06
April 24, 2020
081: [REPLAY] Work From Home - Vanessa Tierney from Abodoo
This episode of Money Never Sleeps is kindly sponsored by Possible.ie, an Executive and Personal Coaching practice who partner with their clients to realize their full potential. The team at Possible.ie work with entrepreneurs, emerging talent and senior leadership in a collaborative way to improve business performance, retain and develop key staff and improve leadership effectiveness.  Check them out online on Possible.ie, and tell ‘em we sent you! What we’re all going through right now would make you think that remote working is the new normal, but Aboodo’s mission is to convert this into ‘smart working’ - i.e., whatever combination of remote, in-office, flexible hours and co-working is the most effective for people and the businesses they work for. It's not likely that we’ll ever be going back to the old way, but trading desk time with your spouse while the kids bounce around the house isn’t normal or certainly all that effective either. What we expect is that Vanessa and Abodoo will be the bridge from the old way to the true new normal that emerges after this “world on fire” period we’re in subsides. Abodoo’s tagline of “Life is a journey, not a commute,” has never been more relevant, and check out their most recent video here. To listen to more, please visit https://www.moneyneversleeps.ie/ for all of our other episodes. Also, follow us on Twitter @MNSShow for updates and more information.
33:50
April 17, 2020
080: Money Talks #10: Your Pursuit of Happiness While the World’s on Fire
This episode is kindly sponsored by Ireland’s fintech and financial services recruitment specialists, Top Tier Recruitment. If you would like an intro to the team at Top Tier Recruitment, please click here.This week we’ve produced another Money Talks segment with friend of the show and sponsor Paul Smyth from Top Tier Recruitment and Possible.ie. We’re looking at the right here, right now this week with the world on fire with coronavirus and how that’s impacting business across startups, VCs, funding, hiring, coaching, corporates and new ideas. This episode is also featured on Top Tier Recruitment’s podcast, Your Pursuit of Happiness, so check that out on your favourite podcast platform as well, loads of great insights from that crew. In this episode, we get into: As a startup, focusing your efforts on what people are willing to pay for - what's your niche - what can you do in the short term to generate revenue that businesses and consumers need right now? The impact of downtime, and being in a position to help - if you look back in ten years and knew you were in a position to help but decided not to for some reason, how would you feel? How Possible.ie are offering that help with free 90-minute coaching sessions:  https://www.possible.ie/covid Corporate & Social Responsibility as a draw for prospective employees - what's been your community response during all of this and how the actions you take now can define how you're perceived as a business for the long run? Managing remote teams when you’ve never done that before and the impact on your own management style. What can you do now with the tools you have available to react and stay afloat? How do you cope as a leader with that pressure coming down on you now? Take it and channel it and run with it and do what you can with it, or do you pass it on in a negative way to your teams? Focusing on a 100% virtual sales process - witnessing a startup shifting from enterprise sales to a true SaaS online-only sales model in 2 weeks The importance of human contact and making connections and turning the Zoom camera on (tastefully!) How what we're all going through right now will encourage more of the mindset of "bringing your whole self to work", being yourself and being authentic. Approaches by VCs to reassess their funding position, and how the money behind the money impacts how VCs are considering or re-considering their investments in startups. The different ways that corporates are handling hiring right now, and the thought of your first day of work with a new company being from home. What to read (from Pete): What You Do is Who You Are by Ben Horowitz What to read (from Paul): The Choice by Edith Eger To listen to more, please visit https://www.moneyneversleeps.ie/ for all of our other episodes. Also, follow us on Twitter @MNSShow for updates and more information.
58:22
April 3, 2020
079: Cryptic Wisdom | Colin Platt on Crypto, Blockchain and DLT
Colin Platt joins the show to talk to Pete Townsend about leaving behind his early career in the capital markets, the crossover of solving entrepreneurial problems and solving global political problems, the professional merits of podcasting, hating and loving writing, his view on economics....and his grasp of the Swedish language! This week we’re catching up with Colin Platt, whose LinkedIn profile describes him as a “crypto performance artist” in addition to being an independent consultant, but where you really want to follow him is on Twitter @colingplatt and on his blog on Medium. Colin works with innovative companies on technology and business strategy with a focus on cryptocurrencies and distributed ledger technologies, and is also a founder of entrepreneurial ventures. Colin and Pete connected after Pete had his own awakening on blockchain and distributed ledger technologies back in 2014, and they were both at BNP Paribas for a while before they met in 2015.  Pete remembers how Colin’s departing email from BNP Paribas way back then said “I’m going to give this entrepreneur thing a shot,” and Colin's leap was one of the inspirations for Pete's own leap.   Fast-forward five years and about 200 podcast episodes later between the two of them - Colin mostly on Blockchain Insider and Pete mostly right here on MoneyNeverSleeps - the two pals get into: Colin's history in the corporate world, his awakening with cryptocurrency, and his inspiration to take the leap. The "do I or don't I" question when it comes to following a problem that could create some great traction when you solve that problem, but it's a dramatically different problem than the one you set out to solve. That fantastic feeling when you finish a project and the client turns around and says,"OK, I absolutely didn't think about this, and this changes everything I need to do now," and seeing them light up on the success of really understanding something differently. Seeing a client 3-6 months down the road after you've worked with them, and they say "We pivoted and then really got traction with this, and we couldn't have done it without you." The professional benefits of stage presence and presentation skills from doing tons of podcast episodes On blogging:  "Being able to write is a superpower - it doesn't have to be anywhere special - LinkedIn, Medium, wherever.  Write a blog about something and just continually write 600-800 words every couple of weeks and put it out there." On the economic effects of this global pandemic we're going through:  "I think one of the things that I got really interested in early on with bitcoin or ether as an asset class is this notion that you can actually see where everything is and how it works.  That parlays quite quickly into having money that is more traceable on the one hand, but at the same time less controllable. It's got to be something that starts to rear its head." On economic stimuli:  "Fortunately, or unfortunately, depending on how you look at it, as more money is pumped into the system, you're going to have people that demand transparency [on where it goes]." Colin's status as the richest man alive (tongue firmly implanted in cheek) and "creating a coin that was worth $3.6 quadrillion, which is thirty three thousand six hundred thousand trillion, so a really big number."
53:02
March 27, 2020
078: Money Talks #9: David Chreng - Blockchain & Sustainability
David Chreng from LeadBlock Partners joins the show to talk about how his time as an energy equity analyst influenced his view of the world, investing in blockchain and distributed ledger technologies for sustainability-themed ventures, the development of blockchain and DLT in general over the past 5 years....and using quantum mechanics to model DNA!
36:25
March 13, 2020
077: I Might Need Security (v2) | Luke Sully and Custody Digital Group
This episode is kindly sponsored by Ireland’s fintech and financial services recruitment specialists, Top Tier Recruitment. If you would like an intro to the team at Top Tier Recruitment, please click here. This week we’re catching up with Luke Sully, the founder and CEO of Custody Digital Group (CDG), who are providing financial institutions with a single point of governance for securing and managing digital assets. Luke and Pete Townsend connected in early 2019, and they've stayed in touch since then with their mutual interests in all things digital assets and Luke's plans for setting up an Irish operation for CDG. Some of the highlights include: Channeling Marc Andreessen and Ben Horowitz from a16z - if you try to solve a big problem in a really big market, then you have a great opportunity to build a really scalable business, and that's what we saw with CDG.  As a founder, you have a vision for how you think you can do things and how you think you can solve problems and help create a better way of doing things, or for serving a market that you can see that other people can’t. It’s just an itch you have to scratch. Everyone has the capacity to start to build, but you never really know what the next week or month is going to look like, so you have to be able to accept a certain amount of chaos in your life and how you build a business isn't always as linear as you would like. So there’s a huge amount of resilience that you have to draw on on a fairly regular basis. Being a founder is about getting really good people around you, making sure they’re all aligned as to why they’re involved, and aligning what they want to do with the vision and the objective of the company. If you can align everyone’s objectives and interests around that core theme, it will make your life easier.  What people don't realize is that really good startups get spun out of other startups. There are folks that will be working in high growth technology companies that understand the playbook, have a finer sense of risk and take calculated risks, that then put teams together and go and build companies. That provides a really long tail that I think Ireland will start to enjoy. With regulation, it’s not only making sure you’re compliant, but using it as a competitive advantage. If you can get it right and read the tea leaves properly, it allows you to work across jurisdictions that give you a broader palette and a broader client base. How CDG’s go-to-market strategy is aligned in terms of the different kinds of digital assets (cryptocurrencies vs. security tokens) Being a founder is a constant surprise - each day is different and brings with it a set of challenges that you may not have expected before. Build a startup is kind of like climbing a mountain, the moment you start looking down just to give yourself a pat on the back about how far you’ve come, it can look a bit scary, so it’s best to keep putting one foot in front of the other. Absorbing pressure and becoming more resilient with each passing month. To listen to more, to listen to more, please visit https://www.moneyneversleeps.ie/ for all of our other episodes. Also, follow us on Twitter @MNSShow for updates and more information.
38:05
February 28, 2020
076: Replay | Money Made Me Do It | Elaine Deehan and Pocketwire
This episode is kindly sponsored by Ireland's fintech and financial services recruitment specialists, Top Tier Recruitment. If you would like an intro to the team at Top Tier Recruitment, please click here. This week we're doing a special replay of Pete Townsend's chat with Elaine Deehan from Season 1 of MoneyNeverSleeps. When we recorded this in 2018, Elaine was in the midst of bringing her labour of love Pocketwire to market as a startup founder, CEO and Head of Product. For a number of reasons driven by the phenomenon of "when one door closes, another one opens" and that we'll explore in an upcoming episode, Elaine is now the Ireland Country Manager for Starling Bank, a challenger bank whose entry into the Irish market that we are certainly eagerly awaiting.  With some recent feedback from listeners and a tide of positive change we're feeling in Irish fintech since Brexit happened, we wanted to go back to our roots this week, and what better way to do that than by replaying the compelling story of Elaine Deehan. In this episode, Elaine talks through: How working in a big innovation lab with people from a lot of backgrounds and disciplines opened her mind to the possibilities of the combination of technology and banking. How working with fintech startups in Ireland whet her appetite for fintech and led her to working on a blockchain project in the FX space. Why knowledge and experience of bringing offline processes online are universally applicable. Working closely with founders and getting access and exposure to every aspect of the business when you're with a startup, compared to corporate silos. How fintech propositions should be global, as we're living in a digital age and all of the problems we're attempting to solve are global problems. Having grit, determination and fire in the belly, and how self-belief can get you through the tough days. To listen to more, to listen to more, please visit https://www.moneyneversleeps.ie/ for all of our other episodes. Also, follow us on Twitter @MNSShow for updates and more information.
31:15
February 21, 2020
075: Spiritual | Erin Grover
This episode is kindly sponsored by Ireland's fintech and financial services recruitment specialists, Top Tier Recruitment. If you would like an intro to the team at Top Tier Recruitment, please click here. Erin Grover is the founder of Altai Digital Capital, which connects investors to hedge funds and traders specializing in cryptocurrency and digital assets. The company provides guidance, transparency and reassurance typically found in traditional investment firms, affording clients easy access to the investment potential of cryptocurrency. She is a strong advocate for the potential of blockchain technology to bring efficiency and transparency to the delivery of funds for international aid. Prior to her work in blockchain, she worked for the United Nations, USAID and other international NGOs as a content producer and media strategist. Her previous work has been featured in The New York Times, The Washington Post, Time Magazine, Gizmodo, TechCrunch, Mashable, The Times of India and many other international news sources. Her digital strategy has raised over $2 million in crowdfunding for various tech and business ventures, as well as millions in views for numerous online campaigns. All of Erin's social media links are accessible via her website:Â https://www.eringrover.com/. On this episode, Pete and Erin talk through: Her early career with the UN and spending time in the warzones of Afghanistan and in Cambodia. Bringing her guerrilla-style 'Crypto 101' roadshow across the USA to educate people on trading cryptocurrency. Inspiration from appreciative clients that don't have the resources to perform due diligence on crypto hedge funds. Being guided by her own human nature of wanting to help others and living up to a higher purpose. The opportunity for blockchain-based delivery of humanitarian aid. Â The importance of the acceleration and support from the AKASHA Innovation Hub in Dublin, Ireland. Â Working with Frank Gehry and Andy Shallal on an art installation paying homage to Iraqi war refugees.  To listen to more, please visit https://www.moneyneversleeps.ie/ for all of our other episodes. Also, follow us on Twitter @MNSShow for updates and more information.
35:17
February 14, 2020
074: Crossover | Rudi Falat and Voice of Fintech
Rudi Falat from the Voice of Fintech podcast joins Pete Townsend to riff on crossing over from the corporate world into the startup ecosystem, learning by doing, startup and corporate collaboration....and flipping the table with the final question on every MoneyNeverSleeps episode! This episode is kindly sponsored by Ireland's fintech and financial services recruitment specialists, Top Tier Recruitment. If you would like an intro to the team at Top Tier Recruitment, please click here. The Voice of Fintech is a podcast mapping out the Swiss and European fintech ecosystem, with the aim of inspiring entrepreneurs to launch their new ventures and connecting them with incubators, accelerators, investors and incumbents. Rudi runs the podcast from Zurich, Switzerland and has expanded beyond the spoken word with focused events connecting people across the fintech ecosystem in his neck of the woods. On this episode, Rudi and Pete cover the below topics, and if you'd like an intro to Rudi, please click here. Rudi's inspiration and his affinity for people who understand and believe in the imperative of growth, fueling innovation and relentless new product development. Teaching entrepreneurship versus learning by doing or from those who have done it before. Raising capital outside of your home market when you're from a small country but have a global ambition. The rational or irrational approach of dealflow sourcing by VCs. Corporates engaging in "open innovation" and what startups should look out for to reduce "innovation theater" to a minimum. To listen to more, please visit https://www.moneyneversleeps.ie/ for all of our other episodes. Also, follow us on Twitter @MNSShow for updates and more information.
34:04
February 7, 2020
073: Positivity | Ivailo Jordanov and 7Percent Ventures
Ivailo Jordanov from 7Percent Ventures joins Pete Townsend to share his story of powering the search engine pioneers of the dotcom era, his incurable optimism, becoming an early-stage tech investor....and being yet another person on the show admitting to not being able to swim! This episode is kindly sponsored by Ireland's fintech and financial services recruitment specialists, Top Tier Recruitment. If you would like an intro to the team at Top Tier Recruitment, please click here. Ivailo Jordanov is a venture partner at 7Percent Ventures, a London-based VC investing in early stage tech companies that represent billion dollar opportunities. After an invitation from Graham Rodford from Archax who was on episode 37 of MoneyNeverSleeps, Pete Townsend met Ivailo at an investor dinner in London in October 2019 following CordaCon, the two-day conference put on by the enterprise DLT software firm R3. Through telling his story, Ivailo gets into the following themes: How it's much harder to distribute a product than it is to build a product. Asking questions like "are the [startup's] product people good at understanding marketing," and "are the marketing people good at understanding product?" How all of the problems that startups need help with, someone else has had them before, and how a network of mentors and advisors can be incredibly helpful in solving these problems. How he sees a lot of startups that have a great product, but no one is using it - it's not because the product isn't useful, it's because they're not putting it in front of the right people in the right way. How you can get sucked into customer research and doing it forever, and how that's’s a sign of procrastination. Finding the right balance between how long you want to talk to customers and when you start building. To listen to more, please visit https://www.moneyneversleeps.ie/ for all of our other episodes. Also, follow us on Twitter @MNSShow for updates and more information.
34:18
January 31, 2020
072: Money Talks #8: Blockchain Predictions 2020 - Part II
This episode is kindly sponsored by Ireland’s fintech and financial services recruitment specialists, Top Tier Recruitment. If you would like an intro to the team at Top Tier Recruitment, please click here.Matthew LeMerle is the Managing Partner of Fifth Era and Keiretsu Capital, who combined are the most active early stage venture investors backing almost 200 companies a year. Matthew is also the co-founder and managing partner of Blockchain Coinvestors, who are investing in the leading blockchain venture partnerships.In December 2019, Matthew featured on a Blockchain Coinvestors webinar where he walked through his ten predictions on blockchain for 2020. The ongoing conflation of 'enterprise blockchain' and 'blockchain-inspired' developments for corporates and institutions, with the merits of the original bitcoin blockchain and the 'crypto-first' mentality, means that a lot of discussions on blockchain can get as excitable as a dog in a butcher shop. What we've found is that the substitution of the word "blockchain" with "blockchain-inspired" tends to unite competing views on the role of distributed ledger technologies in replacing the world's financial infrastructure. In this episode, we talk about both crypto-first topics as well as enterprise blockchain, as both are playing a role in the continued digitalization of financial markets and money.Given the length of the discussion between Matthew and Pete, we split this feature into two parts, with Part I covering Matthew's first six predictions, along with Pete's reflections on each one. This episode covers Matthew's final four predictions, which are #7-10 in the list below: G7 / EU nations will announce digital monies Developing nations will embrace bitcoin Banks will offer crypto access and custody Hybrid wallets will become available everywhere Asset players first deploy blockchain in back offices No ETFs….indexes and funds will gather assets fast Pro traders will embrace sophisticated exchanges Enterprises will utilize hybrid blockchains More than [another] 5 blockchain unicorns will emerge Highest returns will still come from early stage (acknowledged by Matthew as more of a fact than a prediction!) We covered the first six predictions in Part I on episode 71 released on January 17, 2020, so check that out for the rest of the list. If you would like an intro to Matthew, please click here. To listen to more, please visit https://www.moneyneversleeps.ie/ for all of our other episodes. Also, follow us on Twitter @MNSShow for updates and more information.
27:17
January 24, 2020
071: Money Talks #7: Blockchain Predictions 2020 - Part I
This episode is kindly sponsored by Ireland’s fintech and financial services recruitment specialists, Top Tier Recruitment. If you would like an intro to the team at Top Tier Recruitment, please click here.Matthew LeMerle is the Managing Partner of Fifth Era and Keiretsu Capital, who combined are the most active early stage venture investors backing almost 200 companies a year. Matthew is also the co-founder and managing partner of Blockchain Coinvestors, who are investing in the leading blockchain venture partnerships.In December 2019, Matthew featured on a Blockchain Coinvestors webinar where he walked through his ten predictions on blockchain for 2020. The ongoing conflation of 'enterprise blockchain' and 'blockchain-inspired' developments for corporates and institutions, with the merits of the original bitcoin blockchain and the 'crypto-first' mentality, means that a lot of discussions on blockchain can get as excitable as a dog in a butcher shop. On this episode, we talk about both crypto-first topics as well as enterprise blockchain, as both are playing a role in the continued digitalization of financial markets and money.Given the length of the discussion between Matthew and Pete, we split this feature into two parts, with Part I covering Matthew's first six predictions, along with Pete's reflections on each one: G7 / EU nations will announce digital monies Developing nations will embrace bitcoin Banks will offer crypto access and custody Hybrid wallets will become available everywhere Asset players first deploy blockchain in back offices No ETFs….indexes and funds will gather assets fast We cover the last four predictions in Part II on episode 72 to be released on January 24, 2020, so check that out for the rest of the list. If you would like an intro to Matthew, please click here. To listen to more, please visit https://www.moneyneversleeps.ie/ for all of our other episodes. Also, follow us on Twitter @MNSShow for updates and more information.
38:44
January 17, 2020
070: Life Through My Eyes | Dermot Walsh
Dermot Walsh from Each & Other talks with Pete Townsend about delivering delightful user experiences, leading through people, putting yourself into the shoes of the customer...and his moonlighting gig as a community radio DJ! This episode is kindly sponsored by Ireland's fintech and financial services recruitment specialists, Top Tier Recruitment. If you would like an intro to the team at Top Tier Recruitment, please click here. Dermot Walsh is the CEO of Each & Other, a Dublin-based strategic design firm dedicated to helping organisations grow online revenue by designing and building compelling digital customer experiences. With a totally diverse client base, Each & Other specialize in delivering game-changing, high-value business outcomes in a digital world. In this episode, Dermot and Pete talk about: Dermot's career trajectory including his love of sales, embracing change and how an unexpected experience with painting furniture opened his eyes to the business world.  Dermot's inspiration for leading through change by channeling JFK: " Change is the law of life. And those who look only to the past or present are certain to miss the future." His experience with helping startups and seeing so many great ideas and feature-rich products, but whose designer forgot to ask the customer what they actually wanted. Having a much greater understanding of the "cash is king" mentality to managing your business after launching his own business and then becoming CEO of Each & Other. Becoming CEO of a business with an incredibly talented team, stellar clients and a great track record and figuring out a way to make a difference. Dermot's moonlighting gig as a DJ on the Sunday Brunch slot on Radio Larne. To listen to more, please visit https://www.moneyneversleeps.ie/ for all of our other episodes.  Also, follow us on Twitter @MNSShow for updates and more information.
42:11
January 10, 2020
069: Technologic | Lambert Despaux and Schema Capital
Lambert Despaux talks to Pete Townsend about empowering entrepreneurs building in the distributed ledger technology space, the startup ecosystem in Israel, societal impacts of DLT....and his love of electronic music! This episode is kindly sponsored by Ireland’s fintech and financial services recruitment specialists, Top Tier Recruitment.  If you would like an intro to the team at Top Tier Recruitment, please click here. Lambert is the founding partner at Schema Capital, who are investing at the pre-seed and seed stage in entrepreneurs building in the distributed ledger technology ('DLT') space.  If you would like an intro to Lambert, please click here. Schema Capital focus on finding early-stage projects active in digital securities infrastructure, blockchain interoperability, decentralized finance and cybersecurity applied to blockchain. In this episode, we dig into Lambert's inspiration for moving into venture capital, the impact of being part of the startup ecosystem in Israel during his coming-of-age in VC, the societal impacts of a new backbone for the financial markets, and a left-field parallel between electronic music and DLT.  See below for a few soundbites from Lambert and a final one from Pete Townsend: It sounds a bit naive, but I discovered the possibilities of a smart contract, securitization and this beautiful piece of technology in an industry ripe for disruption in financial services, but I would say that the technology is even more in its infancy than I thought." "Efficiencies and cost reductions are one side of it, but DLT can also enable new revenues on segments where you’re either losing market share or not present at all." "I think it's very interesting to be able to combine into a portfolio some companies that are addressing cost cutting and efficiencies, which is more defensive, and companies that are fostering entrance to new markets and additional revenue. which is more aggressive, all using the same technology in DLT." "We've been in the battlefield, we've been in the trenches and we see from the inside that there is a lot of opportunity for change in the financial services industry. Someone that has never worked in a bank or insurance company, I don’t think they can really see what we see. What makes us a little bit more unique is that I now live in Israel so I have access to this thriving startup environment and it is really fascinating." "Now is a really great time to be around if you want to try to change how financial services operate, while at the same time knowing that we’ll end up impacting sectors beyond financial services as well." From Pete Townsend, "DLT is your new techno, Lambert! You're talking about the same thing - you said that with electronic music back in the 70's and 80's you needed all these wires and all these different platforms to pull it together. Now you can just do it so simply, and you can look at the financial markets that will unfold with DLT in the same way." To listen to more from MoneyNeverSleeps, please visit https://www.moneyneversleeps.ie/ for our full catalog of episodes.
33:45
December 20, 2019
068: Money Talks #6: The Seed 2.0
This episode is kindly sponsored by Ireland’s fintech and financial services recruitment specialists, Top Tier Recruitment. If you would like an intro to the team at Top Tier Recruitment, please click here.'Round about the same time that Pete Townsend was finishing a VC project in August 2019, there was something missing for him in the context of placing bets on pre-seed and seed-stage startups. Could you just "sprinkle the infield" and dole out half of a $10mn seed fund to the first 25-30 founders that fit your investment thesis? With the known odds of 1-2 venture capital home runs out of every 25-30 investments, something didn't fit with a venture capital strategy that expected anything less than a home run from every founder before investing in them. The experience of simulating the portfolio construction for an early-stage VC fund across four verticals, three partners, five venture partners, and a five-year investment period drove this home.Conveniently, a blog post on pre-seed investing by Finn Murphy from Frontline Ventures in Dublin helped Pete to crystallize his thoughts and refine his own framework for helping founders craft their pitch. But it's about way more than a slide deck and a hockey stick, as founders need to truly believe in themselves and convince a whole bunch of people that they have the right vision, conveyance and hands-in-the-dirt determination to build a substantial and sustainable business. You need an audience first though, and you need a compelling story to draw that audience closer.Beyond the framework that Pete covers in this episode and Finn's blog post, here's what he shares with founders to get them started on crafting their pitch and getting VC meetings: Episode 31 of The Full Ratchet show notes on Deconstructing the Elevator Pitch - published in 2015, but it's timeless, as it helps to craft a concise and impactful elevator pitch and a slidedeck that focuses on what matters. If you can build this pitch perfectly, not just in Powerpoint but as the 'story' of your business that you can live and breathe, you've got your first VC meeting. Examples of 18 startup pitch decks from names you should recognize, courtesy of Erika Desmond at Cirrus Insights. The early-stage decks are the most relevant, but the later-stage decks give you a good idea of the picture you need to paint in the VC's head of what your business can achieve. 16 Non-Obvious Fundraising Lessons on Pitching, courtesy of James Currier at NFX - read the blog post but also take the 20 minutes to watch the videos, as the vignettes really drive things home. Top 100 early-stage venture capital investors in Europe - it's not a perfect list, but it's a start. Do your homework first on the pre-seed vs. seed vs. Series A investments the VC has done to make sure you're a potential match for the VC's risk appetite and thesis. Golden rule: don't just cold-call/email, get a warm intro.  To listen to more, please visit https://www.moneyneversleeps.ie/ for all of our other episodes. Also, follow us on Twitter @MNSShow for updates and more information. Â
15:08
December 13, 2019
067: Startup Insights #2: The Unexpected
This episode is kindly sponsored by Ireland’s fintech and financial services recruitment specialists, Top Tier Recruitment. If you would like an intro to the team at Top Tier Recruitment, please click here.As a startup founder, there are tons of challenges thrown at you every day of the week, and no one can anticipate before taking the leap the level of adversity that you're going to face as an entrepreneur. Depending on how many other founders you talked to before launching your venture, you may have heard some of the war stories, or perhaps not. We asked four founders to share with us an unexpected challenge they faced and how they dealt with it: Martin Brown, founder and CEO of Unitek (also featured on episode 55) Lizzy Hayashida, co-founder and CEO of Change Donations (also featured on episode 56) Andrew Mullaney, co-founder and CTO of Premind (also featured on episode 57) Paul Smyth, co-founder of Top Tier Recruitment and Possible.ie (also featured on episode 61) To listen to more, please visit https://www.moneyneversleeps.ie/ for all of our other episodes. Also, follow us on Twitter @MNSShow for updates and more information. Â
11:47
December 9, 2019
066: Major Distribution
This episode is kindly sponsored by Ireland’s fintech and financial services recruitment specialists, Top Tier Recruitment. If you would like an intro to the team at Top Tier Recruitment, please click here.Sorcha Mulligan is an expert in driving business development strategies from a blank canvas, raising the profiles of the brands she works with in new markets by building reciprocal relationships through her global network. Sorcha has broad and deep experience in working with small-to-medium sized enterprises (SMEs) in a financial and broader business capacity, and has an excellent understanding of their everyday challenges.Through her awakening to the potential for blockchain and distributed ledger technologies to enable significant changes to how SMEs do business, especially in the context of supply chains, she came across a problem. While many big corporates have people working on digitalizing elements of their business (or their entire business!) and how they engage with customers and suppliers, SMEs with more modest technology budgets are at risk of falling behind. So, Sorcha is taking on the challenge of moving SMEs up the curve and helping them to get involved with the multiple consortia engaged in digitalizing supply chains. If you would like an intro to Sorcha, please click here.To listen to more, please visit https://www.moneyneversleeps.ie/ for all of our other episodes. Also, follow us on Twitter @MNSShow for updates and more information. Â
50:42
November 29, 2019
065: Money Talks #5: Anne Boden, Chris Skinner and the Myths of Fintech
This episode is kindly sponsored by Ireland’s fintech and financial services recruitment specialists, Top Tier Recruitment. If you would like an intro to the team at Top Tier Recruitment, please click here.In this episode, Pete Townsend and Paul Smyth (once again filling in for Eoin Fitzgerald) unpack the November 6th post from Chris Skinner's daily blog where he steps through a talk from Anne Boden, the CEO and Founder of Starling Bank on November 5th at the New Statesman's Fintech Summit in London. During her talk, in addition to talking about the path to profitability for Starling Bank, Anne Boden presented her view on the 'seven myths of fintech'. Anne's seven myths are a blend of social, demographic, competitive and technology themes, and Chris Skinner took a different view on most of them in his blog post the following day. In a world where society's collective grasp on myths and truisms tighten and loosen daily, the different perspectives always make for a better conversation, and we addressed the following questions during this episode: Why is fintech heavily populated by young white men? Are most banks truly run by old white guys? Are people changing their bank accounts for better tech, services and experiences? What kind of banking services are the challenger banks / neobanks providing? What kind of banking experience do small businesses need? Can big banks catch up with the tech prowess of challenger banks? Are challenger banks going to achieve profitability? To listen to more, please visit https://www.moneyneversleeps.ie/ for all of our other episodes. Also, follow us on Twitter @MNSShow for updates and more information. Â
29:27
November 22, 2019
064: I Can Transform Ya
This episode is kindly sponsored by Ireland’s fintech and financial services recruitment specialists, Top Tier Recruitment. If you would like an intro to the team at Top Tier Recruitment, please click here.Eddie Dillon is the founder and CEO of CreditLogic who are powering simplified and scalable mortgage origination. CreditLogic is a mortgage origination platform for both customer-facing advisors and lenders which reinvents application processing. The platform streamlines application data capture, validation, review and integration for compliant scalable origination.If you would like an intro to Eddie, please click here.
45:42
November 13, 2019
063: Money Talks #4: Coinbase & the Crypto Economy
This episode is kindly sponsored by Ireland’s fintech and financial services recruitment specialists, Top Tier Recruitment. If you would like an intro to the team at Top Tier Recruitment, please click here.Our MoneyNeverSleeps co-host Pete Townsend from Norio Ventures and Zeeshan Feroz, CEO of Coinbase in Europe, sat down on October 9th, 2019 at BFC EU 2019 for a half-hour chat on: How Coinbase are connecting institutions with the crypto economy Trends in institutional crypto and custody as a building block of the crypto economy Financial institutions' ongoing acknowledgement that the backbone of the financial system is changing The infrastructure to support the widespread institutional adoption of digital assets Engaging with regulators, welcoming crypto regulation and operating as a qualified custodian of digital assets From Coinbase.com: Our mission is to create an open financial system for the world.An open financial system is one that is not controlled by any one country or company (just like the internet did for distributing information). We think this is the highest leverage way to bring about more economic freedom, innovation, efficiency, and equality of opportunity in the world. We have a ten year plan to get there. Imagine if every payment in the world was as fast, cheap, and global as sending an email. Imagine if anyone who had an idea for a product could have customers all over the world from day one. Imagine if anyone with a smartphone had access to the same financial services we enjoy in the developed world. An open financial system can be a great equalizer and lift billions out of poverty while accelerating the pace of innovation around the world. This is the best way we know to change the world.Finally, we'd like to extend our thanks to Hannah Kitchen and Dean Murphy at Fintech Network for sharing the audio track of Zeeshan and Pete's chat so that we could create this episode!
38:38
October 25, 2019
062: Money Talks #3: Joining a Startup, Scaling It and 'Adminovate'
Kindly sponsored by Ireland’s fintech and financial services recruitment specialists, Top Tier Recruitment. If you would like an intro to the team at Top Tier Recruitment, please click here.Ciaran Walshe joined Fund Recs in early 2016 after 8 years in the investment funds industry, taking his leap into fintech with a business that many refer to as a startup. But after 6 years of operations, Fund Recs are now scaling into an international player in the investment funds industry with clients such as Deloitte, MUFG Investor Services, Link Asset Services and Apex Group. If you would like an intro to Ciaran Walshe, please get in touch here.Along with our MoneyNeverSleeps co-host Pete Townsend from Norio Ventures, FundRecs organize and deliver the Dublin-based annual Adminovate conference for the investment funds industry. Tickets for the 2020 edition are on sale now here!Fund Recs was founded in 2013 when the company founders were approached by a large bank to develop a new reconciliation platform for it's Fund Administration unit. With over 25 years operational and technology experience between them the team are building a platform to transform how data is managed, processed and leveraged by the Funds Industry.Taking the latest technology and approaches from the best loved consumer software applications, the Fund Recs team are combining consumer user experience and interfaces with enterprise accuracy, security and availability. The team at Fund Recs believes that the software we use in day-to-day business activities should be as well designed and easy to use as the consumer applications we enjoy every day in our personal life.By combining ease of use with powerful processing, flexible data import and key Industry knowledge we have set out on our mission towards developing the most efficient, powerful and cost effective reconciliation software available.
26:25
October 18, 2019
061: Anything is Possible
Kindly sponsored by Ireland’s fintech and financial services recruitment specialists, Top Tier Recruitment. If you would like an intro to the team at Top Tier Recruitment, please click here.In 2016, Paul co-founded Top Tier Recruitment and over the last three years, he and his co-founder Laura Smyth successfully built the business through excellent client relationships in Ireland. In 2019, he undertook a coaching skills course spread out over five months and 135 training hours. Paul's idea was to add coaching to Top Tier's overall service offering, and having experienced the transformative power of coaching first-hand and completing the course, he launched Possible Coaching this year. If you would like an intro to Paul Smyth, please click here.
24:19
October 11, 2019
060: Money Talks #2: Startup Marketing and Raising Capital from VCs
Kindly sponsored by Ireland’s fintech and financial services recruitment specialists, Top Tier Recruitment. If you would like an intro to the team at Top Tier Recruitment, please click here.In this episode, we continue with Part II of “How to Survive and Thrive with Your Investor”, and you can check out Part 1 in Episode 58. Featured in Part II are: Rachel Kenny from HubSpot - if you would like an intro to Rachel, please click here. Bernadette Wijnings from Blanco - if you would like an intro to Bernadette, please click here. You’ll also hear Ian Dalton from Flagship Marketing moderating the discussion, with Jo van de Velde from Euroclear, Koen Vanderhoydonk from Blanco and Pete Townsend from MoneyNeverSleeps and Norio Ventures all piping in.The genesis of this episode is a Flagship Marketing webinar, and they kindly shared the audio track with us. Flagship Marketing supports fresh-thinking fintech companies with inbound marketing services which generate qualified leads and delighted customers for socially motivated, innovative, financial scale ups. Flagship have tons of incredibly useful marketing guides and workbooks on their website, so log in and learn.
37:34
October 3, 2019
059: Money Talks #1: Libra vs. Sovereigns, WeWork vs. the World, Uber vs. London
Kindly sponsored by Ireland’s fintech and financial services recruitment specialists: Top Tier RecruitmentIn this episode, Pete Townsend and Paul Smyth (artfully filling in for Eoin Fitzgerald) riff on three developments this week in the world of tech and venture capital to try to get inside of the minds of the entrepreneurs behind the stories. Here they are:How Facebook’s Libra fueled push for central bank-run digital currencies - Financial Times - Monday, 23rd September, 2019 (paywall): https://www.ft.com/content/746808a0-d9f6-11e9-8f9b-77216ebe1f17 France, UK, Sweden, Japan, China all weigh in with their views KEY POINT: “To consumers it would feel very much like the electronic payment and transfer solutions that are already available today through their banking apps or a service such as PayPal.” Why is this important, where could it all go and what's going through Mark Zuckerberg's mind? Pete Townsend's recent blog post, "My Thoughts on Libra" WeWork’s Adam Neumann to step down as chief executive - Financial Times - Wednesday, 25th September, 2019 (paywall):  https://www.ft.com/content/d7997af8-deec-11e9-b112-9624ec9edc59 Neumann will mo longer hold majority voting rights and becomes non-executive chairman Finance chief Artie Minson and WeWork vice-chair Sebastian Gunningham will take over as co-chief executives Comparison to Travis Kalanick, whose former advisor Bradley Tusk was on episode 27 of Money Never Sleeps. Threat of lob losses (up to 6K of 15K workforce) reported. What’s still good about WeWork though amidst all of the negativity? Where could this go? What’s next for Adam Neumann? Uber gains London licence for just 2 months - BBC News - Tuesday, 24th September, 2019: https://www.bbc.com/news/business-49810049  Reported: Concerns over safety, identification and insurance. From the FT - spokesperson for the Mayor’s office: “[London Mayor] Sadiq [Khan] has been crystal clear that in London it doesn’t matter how powerful and how big you are, you must play by the rules.” What's one market where Uber just didn't work at all (Ireland)? Why is this important? What’s going through Dara Khosrowshahi's mind?
29:26
September 26, 2019
058: Talk Up
Kindly sponsored by Ireland’s fintech and financial services recruitment specialists: Top Tier RecruitmentIn this episode, our friends Ian Dalton and Jamie Dalton at Flagship Marketing kindly shared the audio track from a recent webinar entitled “How to survive and thrive with your investor”. Flagship Marketing supports fresh-thinking fintech companies with inbound marketing services which generate qualified leads and delighted customers for socially motivated, innovative, financial scale ups. Flagship have tons of incredibly useful marketing guides and workbooks on their website, so log in and learn.As the webinar was over an hour long, we split it into two parts, and this is Part One. Featured in Part One is Jo van de Velde, Global Head of Strategy, Product and Innovation at Euroclear, who has partnered with several startups and has great experience on how institutions and nimble startups can best work together.Also featured in Part One is Pete Townsend, and he talks about talking - literally, as in how important it is for startup founders to talk to their investors to get at the true value-add of their relationship.  As startups and their investors can be moving a hundred miles a minute in different directions on most days, it's critical to slow things down in the context of the board, make sure you've got your governance right, and communicate effectively with the people whose job it is to help unlock value for your business. Pete points to two great reads that helped him form some thoughts around this in addition to his experience as an independent director and advisor on startup boards.Angel by Jason CalacanisThe Secrets of Sand Hill Road by Scott Kupor
29:26
September 20, 2019
057: The Prediction
Kindly sponsored by Ireland’s fintech and financial services recruitment specialists: Top Tier RecruitmentAndrew Mullaney is the CTO and co-founder of Premind.ai, a stealth mode start-up focused on 'predicting the mind of the markets'. You can follow Andrew on Twitter @AndrewMull.
50:03
September 9, 2019
056: Loose Change
Kindly sponsored by Ireland’s fintech and financial services recruitment specialists: Top Tier RecruitmentLizzy Hayashida is CEO of Change Donations. You can follow Lizzy on Twitter @LizzyH and keep track of what she's up to with @ChangeDonations.At Change Donations, we believe that making an impact is not about how much you can give, it’s about giving what you can to those in need. At Change Donations we make giving easy. Our mission is to help people change the world through everyday spending. We are a community of everyday philanthropists donating one cent at a time to incredible causes that are inspiring positive change across the globe.The foundational pillars here at Change Donations are Transparency, Passion, Integrity, and Community.
42:02
September 2, 2019
055: Paperwork
Kindly sponsored by Ireland’s fintech and financial services recruitment specialists: Top Tier RecruitmentMartin Brown is the founder & CEO of Unitek AI. You can follow Martin on Twitter @MartinBrown_AI and keep track of what he's up to with @AIUnitek.BPI-Unitek is a leading provider of cutting-edge technologies and services, offering scalable solutions for businesses of all sizes. Led by a diverse group of Executives from Zurich, IBM, Microsoft and Oracle who have a track record of disrupting and changing industries, today we offer a smart, innovative Artificial Intelligence platform that utilises Deep Learning, NLP, Machine Learning to deliver solutions in Handwriting Recognition, Facial Recognition, Fraud Detection and Virtual Agents across a number of industries such as Banking, Insurance and Finance.Â
32:46
August 23, 2019
054: Startup Insights #1: Hard Decisions
Kindly sponsored by Ireland’s fintech and financial services recruitment specialists: Top Tier RecruitmentIn this first episode of Startup Insights, a special edition of MoneyNeverSleeps, we've compiled the thoughts shared in previous episodes by six startup founders on the hard decisions they've made along the way. Some of our founders are early days, and some are a bit further down the road, and you can tell that their differing perspectives and states of mind are somewhat related to how far along they are in their journey. In order of appearance, here are the featured founders: Stefan Uygur, co-founder & CEO of 4Securitas (ep 33) Andrew Patrick White, founder & CEO of FundApps (ep 35) Jennifer Hourihane, founder & CEO of Oathello (ep 36) Graham Rodford, co-founder & CEO of Archax (ep37) Andrea Reynolds, founder & CEO of Swoop (ep 41) Sean Faughnan, co-founder & CEO of 'Project Salmon' (ep 42) We hope you all enjoy the compact format, shortened down to less than 20 minutes!
17:10
July 26, 2019
053: 100 Miles and Running
Kindly sponsored by Ireland’s fintech and financial services recruitment specialists: Top Tier RecruitmentClaus Christensen is CEO of Know Your Customer. You can follow Claus on Twitter @RoamingFounder and keep track of what he's up to with @KYC_LtdKnow Your Customer provides end-to-end digital solutions that quickly and accurately identify and verify companies and individuals prior to client on-boarding. Its easy-to-use platform offers quick ultimate Beneficial Owner identification, document collection, Digital ID verification and automated anti-money laundering checks in multiple languages and across multiple jurisdictions, automating 90% of compliance teams’ routine tasks. Know Your Customer’s suite of products helps organisations with compliance, risk and client on-boarding, ensuring companies can accurately and confidently conduct their KYC and AML functions.Â
42:53
July 19, 2019
052: Mission Statement | Ollie Walsh and PiPiT
Ollie Walsh, CEO and co-founder of PiPiT, joins us to talk about enabling migrants to support their families back home cheaper and safer, prioritizing your pipeline, social impact....and his love of Tai Chi! Ollie Walsh has 20 years' experience of developing strategies for startups and SMEs to target new markets and to grow. He specilaizes in building teams and implementing plans and making them work, and he puts this experience to work every day as CEO of PiPiT. PiPiT is a B2B platform powering international cash transactions so that their network partners and their customers can accept cross-border bill payments in cash, load cash to e-wallets, accept cash for eCommerce orders and lodge cash to bank accounts across borders. Ollie founded PiPiT with Julian Callaghan and Rory Ryan in late 2013 in Galway, Ireland, and he has first-hand knowledge of the problem they're solving after moving country shortly thereafter to take part in an accelerator program in Sheffield, England. The process of moving country, even with a small move from Ireland to England, made them realize how difficult migrating is. Between 2014 and 2017, Ollie & Co. built the business in their spare time, and finally gave up the day jobs in 2017. Having closed a post-seed round of €1.25mn from West Loop Ventures (Chicago) and Enterprise Ireland in 2018, PiPiT are now in scale-up mode with offices in Ireland and the UK with partner companies in Nigeria, Dubai and Mumbai. You can get in touch with Ollie at ollie.walsh@pipit.global, learn all about PiPiT at https://www.pipit.global/ and follow PiPiT on Twitter @pipitglobal.
34:43
July 11, 2019
051: Take One For the Team
Bo Brustkern is co-founder and CEO of LendIt Fintech, the world’s largest event series that provides context to the rapidly-changing universe of technology’s impact on financial services. You can follow Bo on Twitter @brustkern.For over 20 years, Bo has set himself apart as a leader in understanding, funding, and leading cutting-edge developments in fintech and financial services. Here's his bio and a recent interview with him on Underdog, and the full Lendit Fintech story on the Lendit website. Towards the end of this podcast, Bo talks about a part of his lineage going back to a part of Cork, Ireland in 1833 and his ancestor Timothy Canty - if you've got any information that could be helpful, get in touch on info@moneyneversleeps.ie.Also, Bo gave a shout out to Marius Jurgilas from the Bank of Lithuania as an interesting and innovative individual to have on the show, so get in touch if you're connected with Marius!
49:45
June 28, 2019
050: Money in the Middle
Pascal Bouvier, Managing Partner of MiddleGame Ventures sat down with Eoin Fitzgerald this week in front of a full house at a Nadifin Accelerator event. We set up our mobile sound desk at the event in the brand new offices of the Banking & Payments Federation in Ireland on Molesworth Street in Dublin, which is also the home of the Fintech & Payments Association of Ireland, and recorded Pascal and Eoin's chat for our landmark 50th episode of MoneyNeverSleeps. Prior to co-founding MiddleGame Ventures with Patrick Pinschmidt and Michael Meyer in Washington DC to invest in fintech startups (post seed, Series A, Series B in Europe and the US), Pascal also co-founded the RegTech Lab, was a Venture Partner with Santander InnoVentures and a co-founder of Route 66 Ventures. Pascal's full bio can be found on his personal blog, FiniCulture, and you can follow him on Twitter @pascalbouvier.See below for an excerpt from the MiddleGame Ventures website on their modus operandi:Our StoryMiddlegame Ventures is a venture capital firm focused exclusively on early-stage fintech startups. Over the past decade, our partners have invested approximately $300M in financial services firms. The next decade will be even better. Because the second wave of fintech innovation will be a tsunami compared to the first wave.Financial services innovation is our obsession and 100% of our focus. We bring to bear an essential - and differentiated - mix of investment, operations, and regulatory expertise to our investment process and on behalf of our portfolio companies. ​We create win-wins across our network - spanning entrepreneurs, incumbents, and regulators.Our Investment Focus​We invest in late seed to Series B fintech companies based in North America or Europe that are developing and using advanced technologies to digitally transform and re-imagine the financial services landscape. Our investments range across five key sectors: banking, asset management, insurance, payments, and capital markets.Our Investment Themes​We believe that four key key secular trends are reshaping financial services: Data is King (powered by the explosion of data sources and advanced analytical tools) End of Systemic Asymmetric Knowledge (between buyers and sellers across markets) Intelligent Automation (powered by advanced analytics, artificial intelligence, robotics) Hyper-connected Worlds (powered by networks, nodes and platforms everywhere) ​These trends, coupled with enabling technologies - AI/ML, AR/VR, big data, blockchain, and quantum computing - drive our five investment themes: Starting Over: digital upgrade cycle (core banking, insurance risk management, intelligent payments, user engagement) Embryonic Asset Classes: finding the new data giants (identity, data, crypto, trust) Innovating Oversight: regtech (regulatory and compliance) with digital tools Platforms are the New Silos: financial categories will morph into platforms (open, transparent, interoperable) Better is Best: doing well while doing good (financial wellness, literacy, inclusion, optimization, risk management, SME finance) ​ Our belief is that technology will completely reinvent financial services as we know it. Our hope is that you can join us on the way.
41:38
June 20, 2019
049: Superstar
Kindly sponsored by Ireland’s fintech and financial services recruitment specialists: Top Tier Recruitment**We're sorry about the static on Dan's track, it's not up to our usual standard, as we had some problems with our remote recording app. It was such a great conversation, we wanted to share it anyway, so please excuse the crackles!**For more info on Dan, check out his website, IAmDanRam or follow him on Twitter @IAmDanRam, and see below for an excerpt from his homepage including some of the events that he's hosted and MC'd: I host and MC some of the biggest startup and tech conferences around the world including SXSW, Web Summit, DLD, Bits and Pretzels, Blockchain CryptoValley, Impact and MUST. I've shared the stage with some of the leading global figures such as Sir Richard Branson, Gary Vaynerchuck, Jake Paul and Casey Neistat. My years as a radio presenter and recording artist help me balance authenticity with performance. My main heart is to connect the audience with speakers and I do that with great energy, positivity and creativity. Get in touch if you need an MC at team@iamdanram.com!I have the joy of speaking at conferences, parliaments, schools & universities, churches and youth groups locally and internationally. I also lecture on entrepreneurship and facilitate workshops. Speaking topics include: How To Build A Tribe Resident Alien Start Now, Start Simple How to Pitch The Art of Personal Branding The Ultimate Guide to Speaking
38:35
June 7, 2019
048: The Juggler
Paul Nunan from Link Asset Services joins us on the show to talk about entrepreneurial tendencies...and his love of juggling! Kindly sponsored by Ireland's fintech and financial services recruitment specialists: Top Tier Recruitment Link Asset Services is part of Link Group's Asset Services division and works in partnership internationally with almost 7,000 clients including asset managers and investors, business managers, asset owners, trustees, issuers and borrowers. We provide the infrastructure through which assets are secured or deployed in both regulated and unregulated markets. The 3,000+ members of our team deliver over 70 closely aligned services, helping capital flow through the financial markets by processing £45bn of payments annually; and protecting and safeguarding more than £600bn held in funds, entities and other instruments. We build longstanding relationships and our clients rely on us to provide robust and agile technology, combined with relevant, accurate and timely industry knowledge and expertise. We have partnered with some clients for generations; and the average tenure of our relationship management team often exceeds ten years. We are excited by the challenge and opportunity of helping our clients flourish as market dynamics play out; shifting regulatory frameworks, the search for investment alpha, the digitisation of the customer interface, the infrastructure funding shortfall, the pensions 'time-bomb' ¦and of course the socio-economic implications of Brexit and the broader geopolitical landscape. Our unique proposition enables us to connect the different aspects of the capital and financial markets and how they interact, helping enable businesses, individuals and institutions to fulfil their roles and objectives. Furthermore, our consultative client centric approach means we deliver tailored solutions. We help our clients to: Create sustainable returns by increasing end-to-end efficiency leading to less value leakage, faster speed to market and ultimately enhanced IRR Effectively manage financial resources by reducing administrative burdens, giving them more time to focus on value adding activity Mitigate market, regulatory, competitive and operational risks by applying compliance, legal, governance, audit and processing best practices, and safeguarding assets Improve decision-making and navigate the markets by providing access to our expertise and resources, helping them to achieve their business goals and investment strategies.
25:11
May 30, 2019
047: Book Of Rhymes
Kindly sponsored by Ireland’s fintech and financial services recruitment specialists: Top Tier RecruitmentMatthew Le Merle is a superangel investor, board director, author, and advisor to leading companies including Alphabet, Google, PayPal, Shanshan and Talkweb. He is managing partner at Fifth Era and Keiretsu Capital based in the San Francisco Bay Area, and has penned several books with his co-author and wife Allison Davis. Check them out here on Amazon.com.  Matthew Le Merle is co-founder and Managing Partner of Fifth Era (www.fifthera.com) and of Keiretsu Capital - the most active early stage venture investors backing almost 200 companies a year. He is also Chairman of Linqto, Securitize (Europe) and CAH and an advisor at Warburg Pincus.   Matthew is an expert on corporate growth, innovation and business transformations having advised leading companies including Amazon, Cisco, eBay, Google, HP, Microsoft, PayPal and many others on growth and innovation-related issues. Matthew is also an expert in economic value creation including revenue, cost and capital productivity programs – for example he drove annual savings of over $2 billion at a leading retailer and $1 billion at a leading bank.Matthew’s career has spanned being a global strategy advisor, professional services firm leader, corporate operating executive, private equity and venture capital investor, and board director. His board work has included Chairman or Non-Executive Director roles in 15 companies and active Advisory Board roles in a further 10. Matthew’s board experience includes a broad range of industries including Business Services, Consumer and Retail, Digital Content, eCommerce, and Fintech.Matthew has advised sovereign and regional economic entities on issues of innovation, entrepreneurialism and cluster growth. Clients have covered the globe from China, the EU, and the UK to the US including in his home state of California and the Bay Area/Silicon Valley.Earlier in his career, Matthew spent 21 years as a strategy, operations and corporate finance advisor to Fortune 500 CEOs, boards and executive teams with McKinsey & Company, and as a practice leader with A.T. Kearney and Monitor Group where he led both firms’ West Coast practices and at Booz & Company. He was also a corporate executive at Gap Inc. where he was SVP strategy and corporate development and SVP global marketing. Matthew is an adjunct professor at Singularity University, bestselling author (Blockchain Competitive Advantage, Corporate Innovation in the Fifth Era, Build your Fortune in the Fifth Era and Second Chance) and keynote speaker. He received a B.A. (Double First) and Master’s from Christ Church, Oxford, and an MBA from the Stanford Graduate School of Business. He was born in London, UK, and is now a dual US/UK citizen and lives in San Francisco and London, UK with his wife, Alison Davis. They have five adult children.For more information go to www.matthewlemerle.com
47:19
May 24, 2019
046: Golf Boys
Kindly sponsored by Ireland’s fintech and financial services recruitment specialists: Top Tier RecruitmentDean Klatt is the Founder and CEO of Seed Golf.Seed Golf Balls - Precision engineered tour-grade golf balls are usually expensive. Seed delivers tour grade performance at a fraction of the normal cost.Cheap, not nasty.Look, we’re all going to lose a few balls out there, but it doesn’t mean you have to sacrifice performance or use a second hand ball to save money.The Seed SD-01 costs 50% less than the comparable market leader without compromising performance so you can play your game.How is that possible?We ship direct from the factory to you cutting out 2-3 layers of cost, we don’t pay million dollar tour pro endorsement contracts and we haven’t spent our R & D money on a large range of golf balls models – just the best performing in each key category.Our balls are really, really tricky.Premium, professional quality golf balls are really difficult to make. Our products are developed by a small team of young designers and experienced engineers.We are obsessed with performance and will make every effort to provide the best possible value for our customers, within an advanced design concept. Rather than offering ten different golf ball models, we focus on the best model for each performance category. This leads to significant cost savings in the development as well as in the production process.Our design process focused heavily around aerodynamic performance (fluid dynamics more specifically) particularly Magnus and aerodynamic force and the subsequent effects on lift and drag. For a golfer, this is translated into three important performance criteria – launch angle/ball speed, distance and spin/feel. To achieve our performance aims we worked within four key design elements – Core, Mantle, Cover and Dimple Pattern.
33:23
May 16, 2019
045: Connect - Part 2
Kindly sponsored by Ireland’s fintech and financial services recruitment specialists: Top Tier RecruitmentMihai Alisie is the founder of the AKASHA Foundation, a non-profit born at the intersection of blockchain and collective intelligence .We believe that humans are not problems waiting to be solved, but potential waiting to unfold.This is why we nurture projects helping individuals amplify their potential through open systems that expand our collective minds at local, regional and global scales. If this fires your synapses, we unpack it below and describe the behaviours we’ve adopted for the journey.
45:42
May 10, 2019
044: Connect
Kindly sponsored by Ireland’s fintech and financial services recruitment specialists: Top Tier RecruitmentMihai Alisie is the founder of the AKASHA Foundation, a non-profit born at the intersection of blockchain and collective intelligence .We believe that humans are not problems waiting to be solved, but potential waiting to unfold.This is why we nurture projects helping individuals amplify their potential through open systems that expand our collective minds at local, regional and global scales. If this fires your synapses, we unpack it below and describe the behaviours we’ve adopted for the journey.
24:15
May 2, 2019
043: Somebody to Love
Kindly sponsored by Ireland’s fintech and financial services recruitment specialists: Top Tier Recruitment Dan Calvert is Head of Partnerships at N26The N26 history2013 - N26 was founded in 2013 by Valentin Stalf and Maximilian Tayenthal—reimagining the retail banking experience for today’s mobile lifestyle.2015 - Since the initial product launch in 2015, over 2.5 Million customers across 24 European markets have signed up for N26—with plans to enter the US in 2019.2018 - The firm has raised a total of USD 215 million from some of the world’s most well-known investors, including Allianz X, Tencent Holdings Limited, Li Ka-Shing’s Horizons Ventures, Valar Ventures, members of the Zalando Management Team, and Earlybird Venture Capital. N26 employs more than 1000 people and has offices in Berlin, New York and Barcelona.2019 - N26 announces its $300 million Series D funding led by Insight Venture Partners. The round also includes participation from GIC, Singapore's sovereign wealth fund, and existing investors.
26:02
April 25, 2019
042: Big Bank
Kindly sponsored by Ireland’s fintech and financial services recruitment specialists: Top Tier Recruitment Sean Faughnan is CEO for 'Project Salmon', a start-up aiming to become the WeChat of Europe.Sean brings us on a journey through his career, from a PhD in History in Cambridge through investment banking, writing and directing his own movie, and his role as a senior political strategist for the Irish Government.Â
45:38
April 17, 2019
041: Racing Stripes
Kindly sponsored by Ireland’s fintech and financial services recruitment specialists: Top Tier Recruitment Andrea Reynolds is founder and CEO of SwoopAbout SwoopWe've set up Swoop to help businesses successfully answer the question, "Where do I get access to funding?"With Swoop, we want to help businesses demystify this problem by showing them the broad funding landscape that currently exists across the UK & Ireland. Through a combination of our funding experience, our matching technology and our 1,000+ providers, we can assess your needs quickly and match you to the right funding solution. Apply for Financing in One Fell SwoopWe are acutely aware that it takes time to find and apply for all these funding options, so that's where we'll come in to save you the time and hassle. Swoop's platform only requires you to fill in one super form in a few minutes and we'll be able to assess and match you to providers instantly. Not only that but as your information changes and the market changes, we'll be able to update you in real time with funding solutions that start to appear that best suit your business needs. Being apart of your funding journeyAt Swoop, don't look at us as just a platform. Our team of funding experts have been in your shoes and have been apart of thousands of funding journeys over the years. Pop over to our Team page and drop us a line if you need any help and assistance getting your applications together or advice on what the right path for your business should be.Â
38:32
April 11, 2019
040: Regulate
Kindly sponsored by Ireland’s fintech and financial services recruitment specialists: Top Tier Recruitment Meredith Moss is founder & CEO of FinomialFinomial is the leading global Client Lifecycle Compliance platform.Finomial automates investor servicing from end to end, Finomial is transforming the buy side investment process by automating the manual hedge fund subscription process between investor, fund manager and administrator. Finomial solves the challenges of data, documents, and forms that impede effective client onboarding, while ensuring rigorous compliance with regulations and delivering transparency. Finomial’s Client Lifecycle Compliance Platform provides automation and end-to-end workflows that streamlines processes to enable collaboration with managers and investors, helping to deliver a compliant and optimized investor experience that accelerates revenue, all within an integrated, scalable software-as-a-service (SaaS) platform.
31:51
March 28, 2019
039: Ultimate Rush
Kindly sponsored by Ireland’s fintech and financial services recruitment specialists: Top Tier Recruitment Simon Cocking is Chief Editor for Irish Tech News.Irish Tech News is an award-winning online publication aimed at keeping you informed of all the latest news from the world of Technology. With the main focus on Irish based news, we cover a wide range of topics from social media and smartphones to start-ups and SMEs.Now ten strong, we have assembled a talented team of writers, each experts in their own fields, helping us to cover as diverse a range as possible without losing focus or quality.At the beginning of 2014, we launched a new Business Showcase section on our site which features all sizes of companies, helping them gain exposure while introducing them to new customers and markets. Feedback has been excellent and there have been some great success stories from the 500+ companies since they’ve been featured.In October ’14, Irish Tech News won “Best Science and Technology” website at the 2014 Web Awards and we also won Silver in the “Digital and Tech” category at the 2015 Blog Awards and Gold at the 2016 Awards!Irish Tech News is also the Number 1 ranked Technology News site in Ireland according to the latest Alexa rankings.If you have a question or comment or would like to inquire about one of our excellent value advertising packages, feel free to contact us via the form or one of the email addresses below, we’d love to hear from you.
31:56
March 21, 2019
038: Friends & Respect
Kindly sponsored by Ireland’s fintech and financial services recruitment specialists: Top Tier Recruitment This weeks episode is a bumper one, clocking in at almost an hour long. The extra time is much needed to tackle Diversity and Inclusion in the workplace. We are joined on the show by:Vessy Tasheva (@vessytash), Founder of Vessy.com, Diversity & Inclusion Consultant, Author of "2019 Diversity in the Workplace Report" - an international and independent report covering 10 companies from 10 countries. Paul & Laura Smyth, co-founders of Top Tier Recruitment, who recently commissioned a report on Diversity & Inclusion for employers in the Irish financial services and FinTech industry (link to the online version (here))Lisa White (@lisammwhite)- the founder of Spireworks. At once a Technologist, Transformation Manager, Consultant, Innovator, Program Manager, Evangelist, Entrepreneur, Team Leader and Follower, Security Specialist, Privacy Guru, Corporate Stooge, Cultural Sponge, Talker. Lisa's background in computer science and information security allow her to make technology work in complex, competitive and rapidly-changing organisational environments. But she has spent her career tackling the people and culture-centric issues that challenge most digital change. Enjoy the show!
52:01
March 13, 2019
037: Fight For Your Right - Graham Rodford and Archax
Graham Rodford from Archax joins us to talk about building bridges between blockchain and the traditional investment world...and his love of MMA! Kindly sponsored by Ireland's Fintech and financial services recruitment specialists: Top Tier Recruitment Graham Rodford is CEO of Archax. Archax is the first-ever digital securities exchange regulated by the FCA in London. Targeted at institutions, Archax also has its FCA brokerage, custody and cryptoasset permissions. Founded by experts from traditional capital markets and backed by an accomplished advisory board, Archax offers a credible bridge between the blockchain world and the existing investment space. The Archax team is used to working in highly regulated markets and has a deep understanding of the blockchain landscape and tokenisation too – as well as a vision of how to evolve them and open up digital assets to institutions in a transparent manner. Archax’s solutions are built using existing, proven, resilient, scalable, high-performance infrastructure, hosted in top-tier datacentre space, and integrated into the existing institutional trading workflow. As well as listing global digital issuances, Archax is also developing its own range of liquid digital structured products that will trade on its exchange.
33:44
March 7, 2019
036: Paper Chase
Kindly sponsored by Ireland’s Fintech and financial services recruitment specialists: Top Tier Recruitment Jennifer Hourihane is founder and CEO at OathelloOathello is a Barclays Techstars Company that accelerates the signing, execution and completion of documents online for the financial system, operating a database that combines leading technology with industry intelligence to provide solutions for every instance where signing, execution and completion of documents is legally required for the movement of assets, debt, capital and transactional efficiency within the financial system    Oathello is a Barclays Techstars Alumni Company (2018 cohort) and has been cited as one of the markets most promising FinTech and RegTech products to emerge from Ireland and the UK with Global potential. Our established partnerships with major financial institutions and other technology firms has ensured Oathello is leading the way in modernising the notary and document certification market.Â
35:23
February 28, 2019
035: Travellin' Man
Kindly sponsored by Ireland’s Fintech and financial services recruitment specialists: Top Tier Recruitment   Andrew Patrick White, CEO of FundApps joins us on the show this week.In our previous companies, we saw the pain that installed compliance software caused. We disliked telling prospects that they’d need to buy database licenses and hire IT staff to run & monitor our system. We felt guilty charging clients to upgrade their software to the latest version (especially if they got no added value from the upgrade) and it was embarrassing to have clients wait years for the features they had requested.FundApps is unique as it provides bothtechnology and content. We make white-hot technology written by some of the best developers around, but we also partner with the most respected content providers in the industry and our experts deliver the rules & updates which happen so frequently in financial regulation nowadays.
23:41
February 15, 2019
034: DNA
Kindly sponsored by Ireland’s Fintech and financial services recruitment specialists: Top Tier RecruitmentNorio Ventures is a specialist advisory firm partnering with fintech founders and established players in financial services to get new products to market and secure funding. We do our best work when we're helping established players and startups simultaneously.Our clients are representative of our deep expertise in financial services, including specialties in fintech, FX, crypto & blockchain/DLT, wealth & asset management, asset servicing and global financial markets.In short, we find economic reasons to be helpful.
33:14
February 6, 2019
033: I Might Need Security (v1)
Kindly sponsored by Ireland’s Fintech and financial services recruitment specialists: Top Tier Recruitment4Securitas are on a mission to simplify security. Our product - ACSIA (Automated Cybersecurity Intelligent application) enables organizations to protect themselves against hacking, malware, fraud and cybercrime - intrusions, data leaks.Our world class and global technical team will help you to secure your digital assets. With decades of experience in cyber security, network administration, hacking, penetration testing, linux and open source our team includes PhDs and former employees of Fortune 500 companies.
33:36
January 31, 2019
032: Starting Over
Rich Corbett, founder of THESTARTUP.com joins us on the show to kick off Season 2.THESTARTUP.com partners with entrepreneurs to start, grow and scale their ideas through personalized guidance, digital tools and customized resources. Our proven model accelerates growth while saving time and money in a completely safe environment.Our key offerings include: Private Incubator: A new kind of incubator that helps our founders avoid mistakes and maximize time while maintaining a balance of life, business and the idea. The Ideasphere: The world’s only educational testing system built to vet an entrepreneur’s ideas and startups. The Ecosystem: A web-based, customizable command center providing digital tools and human guidance to help entrepreneurs test their ideas, plan, launch and manage their business, and connect their startup to valuable resources. Media: A media division which currently includes THESTARTUP.com’s weekly radio show and podcast as well as video and written curriculum designed to engage, educate and propel an entrepreneur’s ideas and startups forward.
30:24
January 23, 2019
031: The Best of Season 1
Running order for featured soundbites:Brian Norton - The Re-upMai Santamaria - Started From The BottomChris Adelsbach - AngelsNiall Dennehy - Power To The PeopleLisa White - Pay It ForwardPaul & Laura Smyth - In My FeelingsGreg Chew - The CrusaderVanessa Tierney - Work From HomeBradley Tusk - Politics As UsualHelen Fullen - Why Not Me?Emerald de Leuuw - Can't Tell Me Nothing
29:20
December 28, 2018
030: Here Comes The Hotstepper
Martin Cass is a Director in Barclays Private Bank and a Mentor for the Barclays Techstars Fintech Accelerator.Barclays is a British multinational investment bank and financial services company headquartered in London. Apart from investment banking, Barclays is organised into four core businesses: personal banking, corporate banking, wealth management, and investment management.Barclays has over 4,750 branches in about 55 countries and of which about 1,600 are in the United Kingdom.Barclays traces its origins to a goldsmith banking business established in the City of London in 1690. James Barclay became a partner in the business in 1736. In 1896 several banks in London and the English provinces, including Backhouse's Bank and Gurney's Bank, united as a joint-stock bank under the name Barclays and Co. Over the following decades Barclays expanded to become a nationwide bank. In 1967, Barclays deployed the world's first cash dispenser. Barclays has made numerous corporate acquisitions, including of London, Provincial and South Western Bank in 1918, British Linen Bank in 1919, Mercantile Credit in 1975, the Woolwich in 2000 and the North American operations of Lehman Brothers in 2008. Barclays has a primary listing on the London Stock Exchange and is a constituent of the FTSE 100 Index. It has a secondary listing on the New York Stock Exchange. Qatar Holdings, an investment vehicle of the State of Qatar, is the largest shareholder of the company.
33:24
December 12, 2018
029: Why Not Me?
NDRC sources and builds young digital companies to invest in. Ensuring digital entrepreneurship is a vibrant and growing part of the economy.Funded by the Department of Communications, Climate Action and Environment (DCCAE) and established in 2007, NDRC finds, builds and invests in digital companies and startup teams with the potential to grow internationally.NDRC has invested 255 companies including Nuritas, Logentries, Bizimply, Newswhip, Tandem and SilverCloud Health. To the end of 2017, NDRC supported companies have raised €192 million in follow-on investment and employ almost 1,000 people directly.
32:15
December 5, 2018
028: The Long Game
Data is the new oil and DataChemist is the refinery. DataChemist makes the complicated simple: we transform the messy, inconsistent data sets of the real world into clean, structured and integrated data. Our customers improve decision-making and reduce costs as a result.Data Chemist was founded with a simple goal: to make data meaningful. As a team we’re entirely focused on helping our clients make sense of their data and build structured, consistent data stores that support decision-making and business intelligence. We're united by one belief: that the way the modern enterprise handles data is no longer fit for purpose. We're building a new database and a new way to think about data. If you're interested in coming along for the ride - or in us helping your business, we'd love to talk.
29:59
November 28, 2018
027: Politics as Usual
Bradley is a venture capitalist, political strategist and writer and author of 'The Fixer'.Bradley is the Founder and CEO of Tusk Holdings, which includes Tusk Ventures, Tusk Strategies, Kronos Archives, Ivory Gaming and Tusk Montgomery Philanthropies. Tusk Ventures is the world’s first venture capital fund to work with and invest solely in high growth startups facing political and regulatory challenges. Previously, Bradley served as campaign manager for Mike Bloomberg, as Deputy Governor of Illinois and as Communications Director for Senator Charles Schumer. Tusk Montgomery Philanthropies, Bradley’s family foundation, funds and runs campaigns in states across the U.S. to increase funding for anti-hunger programs like school breakfast and food stamp enrollment. They are also working to create mobile voting so people can vote in elections on their phones. Bradley writes a regular column for The Observer, hosts a podcast called Firewall, and has a book coming out this September about his adventures in protecting disruptors from the bad guys. Bradley is a graduate of the University of Pennsylvania where he received his BA and has a JD from the University of Chicago Law School.  He lives in Manhattan with his wife and two children.
29:45
November 21, 2018
026: Birds of a Feather
Since going online in 2001, Siliconrepublic.com has gone from being Ireland’s No 1 resource for technology news, with countless awards to its name, to one of the leading online publications in Europe with over half-a-million pageviews each month and growing. We have become the ‘go to’ destination for those seeking to be informed on all things tech and innovation in Ireland, Europe and further afield.Our award-winning team of journalists have always chronicled the technology landscape in Ireland and abroad diligently as it grew apace and, today, thousands of readers from Ireland, Europe, Silicon Valley and the rest of the world come to Siliconrepublic.com every day to stay informed on vital issues impacting STEM (science, technology, engineering and maths).Be it the latest gadgets, hottest start-ups, cutting-edge scientific research or the tech trends shaping the world – you’ll find it here on Siliconrepublic.com. We cover entrepreneurs, academia, infosec, IT strategy, consumer tech, online trends, space exploration, comms, earth sciences, renewable energy, the internet of things and all things STEM because this is what we love to do.As well as news and video reports on the shifting technology landscape, we also provide our audience with information on jobs and careers in STEM. We are long-time champions of diversity in STEM with initiatives like our Women Invent campaign and Inspirefest 2015, our major international sci-tech event with over 70pc women leaders on-stage.When we began, the internet was a desktop experience, Facebook didn’t exist and Google had only embarked on its commercial model. Today, we are in a world where more than 2bn people are online and the majority of their browsing is set to take place on mobile devices.The revolution began in 2001. Stick with Siliconrepublic.com as we guide you through the choppy waters of change and the incredible years ahead in what is truly the century of innovation, collaboration and communication.If it happens, you will find it on Siliconrepublic.com, keeping you up-to-date with the fast-moving and ever changing world of technology, business, science, innovation and new thinking.Visit our Subscribe page to find out all the different ways you can connect with us, or Advertise if you want to discuss partnerships. Or simply find out how you can drop us a line on our Contact page.
30:52
November 14, 2018
025: Thrift Shop
Eoin Fitzgerald is a Senior Development Adviser – Fintech for Enterprise Ireland. Enterprise Ireland is the Irish Government agency responsible for helping Irish companies scale and internationalize and invests in 200+ companies per year. Eoin works with a portfolio of Fintech clients across areas such as Blockchain, KYC, Payments, P2P Lending, Trade Finance, etc. Eoin previously worked as Fintech Lead and Product Manager in Deutsche Bank. Prior to that, he worked as Head of Underwriting for Future Finance, a large Irish Fintech start-up which raised over €100m for its online lending platform Eoin is also co-host of the popular podcast ‘MoneyNeverSleeps’ which aims to go inside the mind of entrepreneurs and figure out what makes them do what they do. Available on iTunes, Spotify and Soundcloud
36:01
November 8, 2018
024: My Block
GECKO Governance is a new RegTech fund management regulatory solution that allows users to schedule, manage and monitor a large portfolio of investment fund’s regulatory & compliance requirements in real-time.GECKO Governance gives users the “Big Picture” by providing them with a live Birds Eye view across all their funds compliance requirements from one central dashboard.GECKO Governance has built the first solution for managing fund compliance. Clients uses our multi award winning technology to manage the full end-to-end fund compliance process à nd operational workflow.Fund companies use GECKO to manage AML/KYC, Operational Due Diligence (ODD), Fund Launches and Investor On-Boarding.GECKO Governance offers a suite of unique integrated products which hugely improves our client’s operational efficiency, cost effectiveness and compliance security.
34:03
October 31, 2018
023: Money Made Me Do It
Pocketwire is a money management app for parents and children aimed at promoting responsible money management to kids through an app that allows parents top-up and monitor the spending.Elaine has previously worked for Citi and Currencyfair (Irish Fintech start-up).
31:08
October 24, 2018
022: Special Delivery
TEKenable is an Irish technology company, focused on custom software solutions, mobile application development and IT consulting. Headquartered in Dublin, we also operate from regional offices in the UAE and Pakistan.We commenced business in 2002 and we now have a strong market presence, with particular focus on four areas, Financial Services, Agribusiness and Retail, Health Care, and Government.Reflecting the growing importance of smart phones and tablet devices, we are regularly engaged by clients to deliver mobile solutions. Vodafone Ireland recognise our expertise in this area and have appointed TEKenable as a mobile enterprise applications development partner.Here at TEKenable, we pride ourselves on the quality of our work and our software developers and business change consultants are among the best in the market, with deep technical skills. Our place at the leading edge of software design is confirmed annually by our short-listing for the Tech Excellence Awards and our ISO9001 and ISO27001 certifications.We face the future with confidence. We continue to add clients in both the Private and Public Sector, and look forward to finding creative new technology solutions for our customers’ most pressing business needs.
33:26
October 17, 2018
021: Independent Women
Aine Molloy from GirlCrew joins us this week to talk about empowering women, building communities, her journey as a co-founder...and unfortunate injuries!
28:46
October 10, 2018
020: The Crusader
At QPQ we provide 21st Century solutions to 17th Century problems in trade administration, settlement of goods and services, management of payments, access to finance, cost of finance, certainty of dealing and transactional security.We have a dream that one day soon, economic opportunity will be fair for all. Many talk about "democratising finance", we live and breathe it. The mission of QPQ is to deliver a fairer economic environment in which geography, wealth, creed, colour and gender do not predetermine an outcome. We strive to beFair: We have a dream that one day soon, economic opportunity will be fair for all. Courageous: We believe that the courage to make a difference in this world is in all of us. As Ayn Rand said best,“The question isn’t who is going to let me; it’s who is going to stop me.” Challenging: We believe in challenging the old guard and rocking the boat. To quote Susan B. Anthony,“Cautious, careful people, always casting about to preserve their reputations can never effect a reform.” Imaginative: We believe that an organisation’s success is not just a factor of its intelligence, but also its creativity. As Albert Einstein said,“Imagination is more important than knowledge. For knowledge is limited, whereas imagination embraces the entire world, stimulating progress, giving birth to evolution." Collaborative:  We believe in digging in and tackling the hard problems as a team."Coming together is a beginning. Keeping together is progress. Working together is success." --Henry FordÂ
38:55
October 3, 2018
019: Walk It Like I Talk It
Fund Recs was founded in 2013 when the company founders were approached by a large bank to develop a new reconciliation platform for it's Fund Administration unit. With over 25 years operational and technology experience between them the team are building a platform to transform how data is managed, processed and leveraged by the Funds Industry. Fund Recs recently launched VELOCITY platform for Fund Administrators empowers Administrators to process valuations faster and with increased oversight. Taking the latest technology and approaches from the best loved consumer software applications, the Fund Recs team are combining consumer user experience and interfaces with enterprise accuracy, security and availability. The team at Fund Recs believes that the software we use in day-to-day business activities should be as well designed and easy to use as the consumer applications we enjoy every day in our personal life. By combining ease of use with powerful processing, flexible data import and key Industry knowledge we have set out on our mission towards developing the most efficient, powerful and cost effective reconciliation software available.
36:49
September 26, 2018
018: Lending Song
Kris Koik from Flender joins us on the show this week, fresh from raising €10m in debt funding to support SME's through it's platform.Flender is a peer to peer lending platform aimed in particular at social lending - people looking for a loan from friends & family or a local business looking for a loan from the local community who may be anxious to support the business. The company believes there is a niche in supporting and putting some structure on lending in social circles. Flender provides an alternative source of finance to SME’s. It aims to solve the problems associated with dealing with traditional lenders such as: length of time to get approved, poor experience, no understanding of the business, etc By allowing companies to approach family, friends, customers, etc, it also increases the connection with the customer as the customer has a chance in supporting the growth of the business
33:56
September 18, 2018
017: In My Feelings
Top Tier Recruitment is a specialist Recruitment Consultancy servicing a blue-chip domestic and international client base across Finance and FinTech.​• Funds, Operations, Middle & Back Office• Developers, DBAs, Architects, Engineers, Testers• Corporate & Leveraged Finance, Private Equity• Front Office, Trading, Research & Investments• Project Managers, & Business Analysts (IT & Ops)• Compliance & Risk• Banking & Treasury• Quants, BI, Research & AnalyticsFounded in 2016, Top Tier Recruitment has quickly established itself as a key recruitment partner to several clients across Finance & Fintech. Their success hinges on their ability to quickly understand requirements and use their deep and active candidate networks to match the right candidate with the right role. The team's commitment to developing long term relationships with both candidates and clients drives them to deliver in a consistent and timely manner and operate with honesty and integrity without exception.
30:44
September 12, 2018
016: Work From Home
Vanessa Tierney is the co-founder of AbodooAbodoo was created (like most well meaning ideas are) to solve a problem. How to fix the issues around sourcing great talent without being restricted by sq footage or commuting. Through smart working we believe that companies can grow and communities can thrive by allowing professionals the freedom to work and live where they choose. Technology now allows that choice and through Abodoo we aim to offer real life changing opportunities and true work life harmony.Abodoo has recently teamed up with Vodafone to promote and support remote working for Irish businesses. The two companies will work together to educate employers on the benefits of smart working, including attracting and retaining talent, promoting diversity and inclusion, and a healthy work-life balance.The Wexford-based tech firm has been recently granted €100,000 in funding from Enterprise Ireland following its recent expansion into the UK market. Enterprise Ireland has designated Abodoo as a 'High Potential Start-Up' (HPSU).The company has now secured over €400,000 in investments to date. Voxpro founder Dan Kiely - who sold his company last year for an estimated €150m - invested €200,000 in the budding site at the start of the year. Tom O’Neill, New Work Junction and e-learning company Laragh Courseware also invested in the tech startup.
35:59
September 5, 2018
015: Angels
This week we are joined by Chris Adelsbach (@ChrisAdelsbach). Chris is a London-based entrepreneur, FinTech investor, advisor, and mentor. He is a Managing Director at Techstars, the worldwide network that helps entrepreneurs succeed. He had an 11 year career at GE Capital before co-founding a specialty finance company in 2006 that became one of the UK's fastest-growing privately held companies. In 2014, Chris and his co-founders sold their business to a NASDAQ listed entity and large U.S. Private Equity group.Subsequent to the sale, Chris has been an active private investor, focusing primarily on disruptive FinTech companies. He is an angel investor in over 50 companies including Atom Bank, Smart Pension, Atlas Money, Post Quantum, Everledger, Cuvva, Simudyne, Railsbank and Shieldpay to name a few. Fintech Global recently named Chris as the the most active Fintech angel globally over the past three years. At Techstars, he spends time meeting founders, mentors, partners, and funders to help accelerate the growth and success of early stage FinTech companies. He mentors FinTech founders in London, New York, Tel Aviv, Dubai and Cape Town.
34:50
August 29, 2018
014: The Kids Aren't Alright
Lisa Smith from EngageSmith joins us on the show this week to talk about becoming an entrepreneur and to how to speak the language of Millennials!
41:23
August 22, 2018
013: Can't Tell Me Nothing
Emerald De Leeuw joins us this week to talk about making the change from studying law to becoming an entrepreneur and fighting the good fight for GDPR!
40:21
August 15, 2018
012: Paper Trail
Enda Leahy joins us to talk about his journey from journalist to entrepreneur and all the lessons learned on the way!
40:37
August 8, 2018
011: Power To The People
Big thanks to Niall Dennehy from AidTech for joining us this week to talk about bringing Blockchain to the masses...and his career as a busker singing U2 songs!
30:36
August 2, 2018
010: My Lifestyle
We are joined this week by Hesus Inoma of WeSavvy to talk about how changing his lifestyle led to him changing the insurance industry!
31:47
July 25, 2018
009: Dry Your Eyes
Jacob Claflin joins us this week to talk about his journey with Cambrist...and the last time he cried!
25:47
July 18, 2018
008: Pay It Forward
Lisa White joins us this week to talk about transforming organisations and mental health challenges
32:04
July 10, 2018
007: Trading Places
Barry McCarthy joins us this week to talk about bringing foreign currency hedging to the masses...and getting his boat licence!
23:35
July 4, 2018
006: Talent Show
Karen Malone from Centaur joins us to talk about constantly trying to stay like a start-up while building a large global business....and the challenge of hiring the right people
27:12
June 27, 2018
005: Started From The Bottom
Mai Santamaria joins us this week to talk about how she fell into accounting and used it as a stepping stone to drive change across many organisations....as well as sharing an unfortunate translation mistake!
28:59
June 19, 2018