Agentic Payments: The Questions the Industry Needs to Answer Before Scaling | Robert Kraal, Co-Founder at Silverflow
22/06/2026 | 18 min
Everyone is talking about Agentic Payments! So I sat down with Robert Kraal, Co-Founder of Silverflow, live at Money20/20 Asia and we had a chat. Robert brings a commercial perspective to the conversation, and we focus on the what are the hard commercial questions the industry still needs to answer before agentic payments can truly scale. We cover: (00:00) Is the card system ready for agents? (01:00) The commercial model nobody is talking about (02:30) Neutral agent vs. paid agent: the Spotify analogy (04:00) What happens when your agent talks to another agent? (06:00) Liability: who's responsible when the agent gets it wrong? (08:00) The tokenization gap in emerging markets (10:00) Where to start: simple use cases first (12:00) What Silverflow is doing to prepare for agentic transactions (14:00) What excites Robert most about this space (16:00) What payment professionals should be doing right now
👉 Connect with Robert: LinkedIn: https://www.linkedin.com/in/robertkraal/ Website: https://www.silverflow.com/ 👉 Connect with Monica LinkedIn: https://www.linkedin.com/in/monicamillares/ YouTube: https://www.youtube.com/@moni_millares TikTok: https://www.tiktok.com/@moni_millares Website: https://www.purposedrivenfintech.com/ — Disclaimer: This episode does not constitute professional nor financial advice and does not represent the opinion nor views of my current, past or future employers. The guest has agreed to record and release our conversation for the use of this podcast and promotion in social media.
You Can't Beat Wise on FX. So Now You Partner With Them | Samarth Bansal, General Manager at Wise Platform
09/06/2026 | 29 min
If you can't beat Wise on FX, and reality is most fintechs can't; then the smarter move is to partner with them. Let’s go into the why! In this episode recorded live at Money20/20 Asia, I speak with Samarth Bansal, General Manager at Wise Platform. We go behind the scenes and I ask the questions I’ve always had hypothetical answers to. For years my mandate as a Neobank Product leader was to beat Wise, and I knew unless we were to change our business model to properly compete, the answer is we can’t. But now, FinTechs and banks can partner with Wise through Wise Platform. It’s a fascinating conversation! We cover: [01:00] How Wise approaches cost efficiency: the obsession behind the pricing model [02:30] What actually drives Wise's infrastructure advantage [04:30] Going direct into local payment rails and optimising treasury FX forecasting [08:30] How embedding Wise Platform made life easier for banks and their customers [09:30] Standard Chartered, Bank Mandiri, Morgan Stanley: who's using Wise Platform and why [17:00] How Wise prioritises market expansion, and what drives corridor decisions [19:00] Instant payment rails in APAC: PayNet, PromptPay, and what sits on top [21:00] How Wise achieves sub 20 second transfers: compliance, liquidity, and rail access [23:00] Where AI fits, and where Wise is being deliberate about deployment [25:00] Why APAC will redefine global cross border payments standards within three years
👉 Connect with Monica LinkedIn: https://www.linkedin.com/in/monicamillares/ YouTube: https://www.youtube.com/@moni_millares TikTok: https://www.tiktok.com/@moni_millares
Production and marketing by Monica Millares. For inquiries about sponsoring the podcast, email Monica at fintechwithmoni@gmail.com Disclaimer: This episode does not constitute professional nor financial advice and does not represent the opinion nor views of my current, past or future employers. The guest has agreed to record and release our conversation for the use of this podcast and promotion in social media.
55X in 12 Months: The Clearing and Settlement Layer No One Is Rebuilding Till Now | George Davis, CEO and Co Foudner of Lorum
21/05/2026 | 50 min
Most fintechs treat cross border payments as a cost centre. George Davis built a business that treats it as the $100B infrastructure opportunity nobody else is rebuilding, and grew 55X in 12 months doing it. In this episode I speak with George Davis, Co-Founder and CEO of Lorum, a global clearing and settlement infrastructure business serving financial institutions across the Middle East, Europe, Asia, and beyond. George is a serial founder who previously co-founded BVNK before leaving to rebuild the layer of the payments stack that big banks have left untouched. Key takeaways: The payment system isn't broken; banks running it are wrongly incentivised Why stablecoins add friction to cross border payments rather than removing them How mid market fintechs can access wholesale treasury rates and turn FX into a profit centre What access to clearing infrastructure actually means for remittance, payroll, and import-export businesses Why Lorum 55X'd in 12 months by going after the bottom of the payments stack
George also shares the founder mindset behind Lorum's growth: first principles thinking, radical adaptability, and hiring for obsession over experience. 👉 Connect with George: LinkedIn: https://www.linkedin.com/in/georgedavis-lorum/ Website: https://www.lorum.com/ 👉 Connect with Monica: LinkedIn: https://www.linkedin.com/in/monicamillares/ YouTube: https://www.youtube.com/@moni_millares TikTok: https://www.tiktok.com/@moni_millares Website: https://www.purposedrivenfintech.com/ [00:00:00] Why clearing and settlement is the real barrier to cross border payments [00:01:00] George's journey: machine learning startup to co-founding BVNK to Lorum [00:04:00] Why big banks are wrongly incentivised [00:07:00] What clearing and settlement actually means in plain English [00:10:00] Access is the real problem; not speed, not cost [00:18:00] How to turn FX and clearing into a profit centre, not a cost centre [00:26:00] Why stablecoins don’t fix cross border payments [00:35:00] The founder mindset: first principles thinking and obsession as a superpower [00:46:00] Lorum's OCC banking licence application and the road to $100B [00:49:00] Why the opportunity outside the US is bigger than inside it Production and marketing by Monica Millares. For inquiries about sponsoring the podcast, email Monica at fintechwithmoni@gmail.com Disclaimer: This episode does not constitute professional nor financial advice and does not represent the opinion nor views of my current, past or future employers. The guest has agreed to record and release our conversation for the use of this podcast and promotion in social media.
Who is Liable in Agentic Payments? The Question the Industry Can't Answer Yet | Camilla Bullock, CEO of Emerging Payments Association Asia
14/05/2026 | 29 min
AI agents are about to start spending our money, and we as a payments industry are not ready. I love this episode as it’s recorded live at Money2020’s famous MoneyPot podcast booth! Yea the fancy, cool one LOL Today I’m joined by Camilla Bullock, CEO of Emerging Payments Association Asia, and we unpack one of the most pressing questions in FinTech right now: when an AI agent transacts on your behalf, who is actually in control and who is liable when something goes wrong? Key highlights: Why "shared liability" is not an answer; and what the industry needs to define first The emerging KYA (Know Your Agent) framework and why banks may refuse agentic transactions without it How real time payments in APAC already show us what agentic fraud will look like at scale The quantum encryption threat that less than 20% of senior payments leaders are actively tracking Why standards interoperability is the single most important unlock for agentic commerce
We discuss: the $1 trillion agentic payments opportunity in APAC, the governance and audit trail gap, intent vs. authorization in agentic transactions, data sharing as fraud defense, the quantum threat to payments encryption, who is setting the rules (and who isn't yet), and why trust industry-wide, not just brand-level is the real battleground. 👉 Connect with Camilla LinkedIn: https://www.linkedin.com/in/camillabullock/ Website: https://emergingpaymentsasia.org/ 👉 Connect with Monica LinkedIn: https://www.linkedin.com/in/monicamillares/ YouTube: https://www.youtube.com/@moni_millares TikTok: https://www.tiktok.com/@moni_millares Website: https://www.purposedrivenfintech.com/ Production and marketing by Monica Millares. For inquiries about sponsoring the podcast, email Monica at fintechwithmoni@gmail.com Disclaimer: This episode does not constitute professional nor financial advice and does not represent the opinion nor views of my current, past or future employers. The guest has agreed to record and release our conversation for the use of this podcast and promotion in social media.
Trust Is the New Security: The AI & Quantum Threat Reshaping Finance by 2029 | Maxwell Denega, Founder & CEO of Quantum Chain
11/05/2026 | 20 min
The encryption protecting banks was built 50 years ago, and quantum computing is about to break it. In this pod I sit down with Maxwell, Founder and CEO of Quantum Chain, to unpack why AI and quantum computing together represent the biggest untold threat to global financial security, and what FinTech leaders need to do about it before 2029. Why 50 year old encryption is no longer sufficient to protect financial services How AI is already being used to exploit smart contracts and financial infrastructure today Why quantum + AI together create a 24/7 attack threat no current protocol is ready for Why trust, not technology, is the real battleground for the future of finance
We cover: [00:00:00] The $4M hack that started a mission to secure global finance [00:01:00] What is Quantum Chain and why does it exist [00:02:00] Quantum computing explained in plain English [00:03:00] Why 50 year old financial encryption is already failing [00:04:00] The real risks to banks, neobanks and financial services [00:05:00] Trust is the new security [00:08:00] AI as the elephant in the room [00:09:00] Quantum + AI: the compounding threat no one is preparing for [00:12:00] From military to banking: Max's unconventional founder background [00:15:00] How banks can become quantum safe [00:16:00] Quantum assets, QRC standards and the quantum blockchain alliance [00:17:00] What every neobank CPO and founder should be doing right now [00:18:00] Founder mindset: resilience, consistency and showing up every day 👉 Follow Max: LinkedIn: https://www.linkedin.com/in/maxwell-denega-14300178/ Website: https://www.quantumcha.in/ 👉 Connect with Monica LinkedIn: https://www.linkedin.com/in/monicamillares/ YouTube: https://www.youtube.com/@moni_millares TikTok: https://www.tiktok.com/@moni_millares Website: https://www.purposedrivenfintech.com/
Production and marketing by Monica Millares. For inquiries about sponsoring the podcast, email Monica at fintechwithmoni@gmail.com Disclaimer: This episode does not constitute professional nor financial advice and does not represent the opinion nor views of my current, past or future employers. The guest has agreed to record and release our conversation for the use of this podcast and promotion in social media.
Welcome to Purpose Driven FinTech!
I'm your host, Monica Millares - Product Leader and fellow FinTecher.
These days, with the rising cost of living, financial stress among customers, loss of trust in banks, speculation of crypto, and uncertainty, we're facing unprecedented challenges. But there is hope. We as FinTechers have the power to make a positive impact.
Our products, the how we do product, and our people can make a difference on customers’ financial lives - and as a result, in the quality of their lives.
However, more than ever Founders, CEOs, Leadership teams and all FinTechers have a ton of pressure to build solutions that actually solve customer problems, that people want, that are differentiated And profitable
Yes that's you and me too!
That's why I've created this podcast!
I speak with FinTech CEOs, Founders, and Csuites to uncover their stories, challenges, and lessons learnt in building products with impact.
You'll get to hear real-life conversations, and you’ll walk away with practical questions, frameworks and insights that you can apply to your own FinTech products. So, are you ready to make a bigger difference in FinTech?
Let's come together and discover how Purpose, Product, and People can help us create a future of better financial wellbeing while building sustainable and profitable FinTechs.
Follow me on LinkedIn, TikTok, and YouTube to stay connected and be part of the conversation.
Cheers to making better FinTech and making FinTech better!
Love, Moni
Escucha Purpose Driven FinTech, Sales Questions Show - Brutally Honest Answers - B2B Sales answers regardless of what you sell from saas to private jets y muchos más podcasts de todo el mundo con la aplicación de radio.net
Colombia