Sue Britton, Advisor, Corporate Innovation & Partnerships
September 26th, 2018
Sue Britton is CEO & Founder of FGS (FinTech Growth Syndicate) – Canada’s leading FinTech innova[...]
Bank Customers Are Primed And Ready For Amazon
Forbes | By Gerard du Toit and Aaron Cheris | Sep 25, 2018
Amazon has built an excellent position for expanding into financial services. A new survey of 6,000 U.S. consumers, by Bain & Company in collaboration with Research Now, shows why. In the first direct comparison of customer loyalty for Amazon and US banks, consumers give Amazon a Net Promoter Score of 47, significantly higher than the 31 for regional banks on average, or 18 for the national bank average.
The battle for U.S. retail banking customers is intensifying as Amazon is expected to partner with a bank to offer a cobranded, mobile-friendly, checking-account-like product initially targeted to young adults. Amazon has many advantages: a high and rising frequency of purchasing, viewing, and reviewing interactions with customers; a full commercial relationship, including credit cards on file; integration into consumers’ digital devices; a paid membership program with 90%-plus renewal rates and the majority of U.S. households as members; and no major security breaches so far.
See: What Can Traditional Banks Learn From Fintech?
Our research suggests that Amazon can count on significant demand for basic banking services. Among Amazon Prime respondents (who pay an annual fee for such perks as free two-day shipping), 65% say they would try a free online bank account offered by Amazon, with 2% cash back on Amazon purchases, similar to the company’s cobranded credit card. Of Amazon customers who aren’t Prime members, 43% would try such an account. Even among people who don’t use Amazon for e-commerce purchases today, 37% would try.
For banks, the level of customer loyalty will likely serve as a leading indicator of defection. The more displeased consumers are with their bank, the more willing they are to consider Amazon. Among respondents who are already Amazon customers, those interested in banking with Amazon give the company a higher Net Promoter Score than those who aren’t interested. For respondents who don’t already have a relationship with Amazon, the more displeased they are with their bank, the more willing they are to consider Amazon.
The loyalty leader that isn’t Amazon
Despite its advantages, Amazon—and by extension, other technology firms—is by no means invincible. For example, perennial loyalty leader USAA has a Net Promoter Score of 79, compared with Amazon’s 47. USAA may have a unique customer base in its military community, but some of its characteristics are shared by other direct banks such as Ally, Schwab and Capital One 360. Many of the direct banks have simplified their product line and processes, saving consumers time and effort. USAA also provides access to a broader ecosystem of services, such as car buying. Direct banks appeal to digitally savvy individuals who prefer app-based banking services, and to those looking for more competitive interest rates and fees.
Related: Technology is the ‘most profound force bearing down’ on big banks, ex-Barclays boss says
Still, the threat from Amazon is real and imminent. Moving into basic banking would not only save Amazon on interchange costs, but also give it more direct influence and insight into customers’ finances and spending, rather than having banks as the intermediary. The bank account could become a platform for whole new range of services for a company that already has enormous reach among America’s most valuable banking customers. Our survey shows that Amazon customers control 75% of U.S. household wealth, with Prime subscribers controlling about 45% of wealth. Moreover, Amazon customers account for about 75% of the wealthiest households’ assets.
Continue to the full article --> here
The National Crowdfunding & Fintech Association (NCFA Canada) is a financial innovation ecosystem that provides education, market intelligence, industry stewardship, networking and funding opportunities and services to thousands of community members and works closely with industry, government, partners and affiliates to create a vibrant and innovative fintech and funding industry in Canada. Decentralized and distributed, NCFA is engaged with global stakeholders and helps incubate projects and investment in fintech, alternative finance, crowdfunding, peer-to-peer finance, payments, digital assets and tokens, blockchain, cryptocurrency, regtech, and insurtech sectors. Join Canada's Fintech & Funding Community today FREE! Or become a contributing member and get perks. For more information, please visit: www.ncfacanada.org
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Gowling WLG | Shaela W. Rae | October 17 2018 Black market. Dark web. Illicit. Underground market. Illegitimate. Illegal. Organized crime. All words used to describe the illegal cannabis industry, until October 17, 2018 that is. Once it is legal to buy, possess or use cannabis for recreational purposes the discussion around the use of cannabis and how to procure it changes from hushed words in a corner to an open conversation in public. But is the public ready to embrace a substance that has been seen as illegitimate and "bad" for so long? If the experience in the US can be relied upon, the answer is "yes". According to investment bank Cowen & Co., the cannabis industry is expected to reach sales of approximately US$75-billion by 2030, up from US$6-billion in 2016, as the drug is more socially accepted. In the US today cannabis is illegal on a federal level as it is classified as a Schedule 1 narcotic, but cannabis is legal in 30 states for medicinal purposes, and in 9 states and Washington, DC, for recreational use for adults over the age of 21. See: Canabis Company True Leaf Raises $14 Million in Cross Border US – ...
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International Monetary Fund | Release | Oct 11, 2018 The International Monetary Fund and the World Bank Group today launched the Bali Fintech Agenda, a set of 12 policy elements aimed at helping member countries to harness the benefits and opportunities of rapid advances in financial technology that are transforming the provision of banking services, while at the same time managing the inherent risks. The Agenda proposes a framework of high-level issues that countries should consider in their own domestic policy discussions and aims to guide staff from the two institutions in their own work and dialogue with national authorities. The 12 elements (see table) were distilled from members’ own experiences and cover topics relating broadly to enabling fintech; ensuring financial sector resilience; addressing risks; and promoting international cooperation. “There are an estimated 1.7 billion adults in the world without access to financial services,” said IMF Managing Director Christine Lagarde. “Fintech can have a major social and economic impact for them and across the membership in general. All countries are trying to reap these benefits, while also mitigating the risks. We need greater international cooperation to achieve that, and to make sure the fintech revolution benefits the many and not ...
Read More
Investment Executive | James Langton | Oct 12, 2018 Money laundering and tax evasion are key concerns Canadian policy-makers initially took a hands-off approach to cryptoassets. Now, in the wake of a bitcoin boom-and-bust and continuing growth in the cryptoassets market, policy-makers are taking a second look at the emerging phenomenon. In 2015, the Standing Senate Committee on Banking, Trade and Commerce issued one of Canada’s first reports examining the emerging cryptocurrency industry; that report recommends that policy-makers keep an eye on the space. Since then, the cryptoassets market has continued to grow. According to a report from the Bank of Canada (BoC), the global market capitalization for cryptoassets “grew rapidly” in 2017 and the daily transaction volume now is more than 75 times higher than it was in early 2017 – i.e., more than $25 billion a day. At this point, the BoC report states, traditional financial services institutions don’t have much, if any, direct exposure to cryptoassets, but the report cautions that these institutions could become exposed due to their clients’ trading in cryptoassets or through exchange trading in crypto-based derivatives. “Cryptoasset markets are evolving quickly and could have financial stability implications in the future if their size ...
Read More
NCFA Canada | Oct 13, 2018 Ep13-Oct 13: Road to Fintech IPO: Capital Networks, Scalable Solutions, Putting People First About this episode: On this episode, NCFA show host Manseeb Khan sits down with Ali Pourdad the CEO of Progressa who recently closed out an $84 million dollar round. They talk about P2P loans, loan services operating within the blockchain and why being people first business matters. Enjoy! (see Transcript) Host: Manseeb Khan, NCFA, Fintech Fridays show host Guest: ALI POURDAD, Co-founder and CEO, Progressa (LinkedIn) Bio: Ali Pourdad has been CEO of Progressa since its inception in 2013. Under his leadership the Company has raised over $40 million of investor capital and invested over $2.0 million dollars in its proprietary "Powered by Progressa" decision engine for Canadian Enterprise partners looking to enhance collections strategy in a positive way. The company has grown to over 110 employees in Vancouver and Toronto. Ali has decisively positioned Progressa for its next generation of growth by recently executing on several initiatives, including creating one of Canada's most popular Exempt Market Bond Offerings and securing an $11.4 million Series A financing . Prior to co-founding Progressa, Ali worked in both corporate restructuring and audit & assurance, ...
Read More
Beam Platform | Alec Gordon | Aug 24, 2018 THE PROBLEM The tech industry has gotten a rude awakening this year. Following a few high profile instances of data misuse, European Union has struck down the law and put everyone who sells into Europe (or deals with anyone who does) on notice. Since introduction, GDPR was meant to show both corporations and their users that better clarity around data collection/preservation is the necessary step forward, one that will lead to a fairer digital society, and ultimately benefit all those involved. And in order to do that, the companies themselves must take matters into their own hands by building new tools to let data flow back to the user. The customers demand it, and equally deserve to have control over their digital footprint. In the end this is an EU bill with global ramifications, and we should all be paying attention. By now you most of you have gotten dozens of emails on “updates to privacy policy” and other notices of forthcoming compliance. This is a welcome reminder that it is you, the user, who’s the focal point GDPR. After decades of computer and telephone use, the companies with whom we ...
Read More
Competition Bureau | Oct 10, 2018 Speech Remarks by Interim Commissioner of Competition Matthew Boswell Global Series 2018 October 10, 2018 Ottawa, Ontario Thank you. I’m pleased to be here to speak with you today. Thank you Makan, for your thoughts on these important issues. They are particularly relevant to businesses, the legal community, academia and governments around the world and to all of you who are gathered here today. Every day we see the world evolving at a rapid pace, thanks to innovation. Development of new technologies, ways of doing business and the creation of new products have the potential to open up new areas of science, medicine and technology. Small steps lead to bigger steps. And here in Canada, we have to be ready for both the challenges and opportunities that this is bringing to all of us. Let’s understand what we are up against. Every year, innovation in the top industrialized countries is tracked by leading authorities on the subject. And here’s what they report about Canada in 2018. On the plus side, Canada performs better than some others in four big areas: Human Capital and Research, Institutions, Infrastructure, and Market Sophistication. See: Canada’s ‘innovation economy’ has ...
Read More
Crowdfund Insider | Cali Haan | Oct 9, 2018 Vancouver-based cryptocurrency exchange QuadrigaCX has been defending itself in court for the release of $28 million dollars in customer funds frozen by the Canadian Imperial Bank of Commerce (CIBC) since January, the Globe and Mail reports. According to court documents filed by CIBC in the Canadian province of Ontario, the action to freeze the accounts was taken because the bank says, “it was unable to determine who owns the funds,” and would like the court to take possession of the money and distribute it to either QuadrigaCX, their payments processor Custodian Inc, or to the 388 affected Quadriga customers, the Globe and Mail writes. Entrepreneurs in the relatively new crypto sector industries complained for some time about bank non-cooperation. See: International Anti-Money Laundering Standards for Crypto Expected in October The cryptocurrency press in South America has reported on numerous account closures by banks against crypto exchanges on the continent, some of which are now being contested in courts by, among others, exchanges like Walltime in Brazil. Sources within the Toronto crypto entrepreneur scene say they have suffered persistent problems with getting their businesses banked in the city- even at credit unions- and have ...
Read More
Crunchbase News | Alex Wilhelm | October 8, 2018 Meet Nubank, a fintech shop out of Brazil that just raised $180 million from Tencent at a valuation of $4 billion. Forget the fact that the round is half secondary. It’s an enormous transaction, and in more normal times, it would cause a big stir. However, the capital event highlights something notable about Tencent: the China-based company’s investment cadence is staggering. Tencent is disbursing cash at a far faster rate than Alibaba, another Chinese tech shop that isn’t famous for parsimony. Tencent’s Early Christmas Tencent has been on a check-cutting bing recently, getting through eight investing rounds in September. Those ranged from a $1.5 billion deal with Lianjia (real estate services), a $450 million round for MissFresh E-Commerce (mobile grocery sales), to the comparatively staid $90 million Series B for WeShare (fintech something or other). October is looking similarly hot. Tencent is at four deals so far, and the month isn’t even half done. Here’s the list: October 1. Miniso’s 1 billion rmb Series A. October 4. Voyager Innovation’s $175 million private equity round. October 5. Bilibili’s $317.6 million post-IPO equity event. October 8. Nubank’s $180 million Series F (half secondary). Regarding Nubank, TechCrunch’s Jon Shieber has the ...
Read More
Peter Diamandis | Blog | Oct 8, 2018 Governments are one of the last strongholds of an undigitized, linear sector of humanity, and they are falling behind fast. Apart from their struggle to keep up with private sector digitization, federal governments are in a crisis of trust. At almost a 60-year low, only 19 percent of Americans reported that they could trust their government “always” or “most of the time” in a recent Pew survey. And the U.S. is not alone. See: Immersive 2-day Blockchain Developer Training Course (Nov 10-11, Toronto): Decentralized Application Development The Edelman Trust Barometer revealed last year that 47 percent of the world population distrust their nations’ institutions. Even in Canada, only 26 percent of surveyed Canadians consider regulators and government officials to be credible. In many cases, the private sector — particularly tech behemoths — are driving greater progress in regulation-targeted issues like climate change than state leaders. And as decentralized systems, digital disruption, and private sector leadership take the world by storm, traditional forms of government are beginning to fear irrelevance. However, the fight for exponential governance is not a lost battle. Early visionaries like Estonia and the UAE are leading the way in digital governance, empowered by ...
Read More
NCFA Canada | Oct 5, 2018 Ep12-Oct 5: Building Blockchain Products & Decentralized Solutions for Enterprise and Startups About this episode: On this week's episode of the Fintech Friday$ podcast our host Manseeb Khan sits down with Mathieu Glaude the CEO and president of Northern Block. They talk about having a sovereign digital identity, the excitement behind stable coins and why supply chain in blockchain shouldn't be overlooked. Enjoy! Host: Manseeb Khan, NCFA, Fintech Fridays show host Guest: MATHIEU GLAUDE, President and CEO, Northern Block (LinkedIn) Bio: Mr. Glaude is the President and CEO of Northern Block, a Toronto-based blockchain product development company building decentralized applications, enterprise solutions and developer tools for blockchain ecosystems. Mr. Glaude brings extensive expertise to product development in the enterprise technology space. Prior to Northern Block, he worked for Capital One Bank where he led many large scale customer-facing software development initiatives. Additionally, he owns a private equity fund focused on making early stage investments in the blockchain and emerging technology sectors. Subscribe and tune in each Friday to check out the latest movers and shakers in fintech. Listen to more Fintech Fridays podcasts here Transcription of Interview Manseeb Khan: Hey this is Manseeb Khan and you are tuning into a brand-new episode of fintech Fridays. Manseeb Khan: Today I have ...
Read More
Gowling WLG | Shaela W. Rae | October 17 2018 Black market. Dark web. Illicit. Underground market. Illegitimate. Illegal. Organized crime. All words used to describe the illegal cannabis industry, until October 17, 2018 that is. Once it is legal to buy, possess or use cannabis for recreational purposes the discussion around the use of cannabis and how to procure it changes from hushed words in a corner to an open conversation in public. But is the public ready to embrace a substance that has been seen as illegitimate and "bad" for so long? If the experience in the US can be relied upon, the answer is "yes". According to investment bank Cowen & Co., the cannabis industry is expected to reach sales of approximately US$75-billion by 2030, up from US$6-billion in 2016, as the drug is more socially accepted. In the US today cannabis is illegal on a federal level as it is classified as a Schedule 1 narcotic, but cannabis is legal in 30 states for medicinal purposes, and in 9 states and Washington, DC, for recreational use for adults over the age of 21. See: Canabis Company True Leaf Raises $14 Million in Cross Border US – ...
Read More
Read More
International Monetary Fund | Release | Oct 11, 2018 The International Monetary Fund and the World Bank Group today launched the Bali Fintech Agenda, a set of 12 policy elements aimed at helping member countries to harness the benefits and opportunities of rapid advances in financial technology that are transforming the provision of banking services, while at the same time managing the inherent risks. The Agenda proposes a framework of high-level issues that countries should consider in their own domestic policy discussions and aims to guide staff from the two institutions in their own work and dialogue with national authorities. The 12 elements (see table) were distilled from members’ own experiences and cover topics relating broadly to enabling fintech; ensuring financial sector resilience; addressing risks; and promoting international cooperation. “There are an estimated 1.7 billion adults in the world without access to financial services,” said IMF Managing Director Christine Lagarde. “Fintech can have a major social and economic impact for them and across the membership in general. All countries are trying to reap these benefits, while also mitigating the risks. We need greater international cooperation to achieve that, and to make sure the fintech revolution benefits the many and not ...
Read More
Read More
Investment Executive | James Langton | Oct 12, 2018 Money laundering and tax evasion are key concerns Canadian policy-makers initially took a hands-off approach to cryptoassets. Now, in the wake of a bitcoin boom-and-bust and continuing growth in the cryptoassets market, policy-makers are taking a second look at the emerging phenomenon. In 2015, the Standing Senate Committee on Banking, Trade and Commerce issued one of Canada’s first reports examining the emerging cryptocurrency industry; that report recommends that policy-makers keep an eye on the space. Since then, the cryptoassets market has continued to grow. According to a report from the Bank of Canada (BoC), the global market capitalization for cryptoassets “grew rapidly” in 2017 and the daily transaction volume now is more than 75 times higher than it was in early 2017 – i.e., more than $25 billion a day. At this point, the BoC report states, traditional financial services institutions don’t have much, if any, direct exposure to cryptoassets, but the report cautions that these institutions could become exposed due to their clients’ trading in cryptoassets or through exchange trading in crypto-based derivatives. “Cryptoasset markets are evolving quickly and could have financial stability implications in the future if their size ...
Read More
Read More
NCFA Canada | Oct 13, 2018 Ep13-Oct 13: Road to Fintech IPO: Capital Networks, Scalable Solutions, Putting People First About this episode: On this episode, NCFA show host Manseeb Khan sits down with Ali Pourdad the CEO of Progressa who recently closed out an $84 million dollar round. They talk about P2P loans, loan services operating within the blockchain and why being people first business matters. Enjoy! (see Transcript) Host: Manseeb Khan, NCFA, Fintech Fridays show host Guest: ALI POURDAD, Co-founder and CEO, Progressa (LinkedIn) Bio: Ali Pourdad has been CEO of Progressa since its inception in 2013. Under his leadership the Company has raised over $40 million of investor capital and invested over $2.0 million dollars in its proprietary "Powered by Progressa" decision engine for Canadian Enterprise partners looking to enhance collections strategy in a positive way. The company has grown to over 110 employees in Vancouver and Toronto. Ali has decisively positioned Progressa for its next generation of growth by recently executing on several initiatives, including creating one of Canada's most popular Exempt Market Bond Offerings and securing an $11.4 million Series A financing . Prior to co-founding Progressa, Ali worked in both corporate restructuring and audit & assurance, ...
Read More
Read More
Beam Platform | Alec Gordon | Aug 24, 2018 THE PROBLEM The tech industry has gotten a rude awakening this year. Following a few high profile instances of data misuse, European Union has struck down the law and put everyone who sells into Europe (or deals with anyone who does) on notice. Since introduction, GDPR was meant to show both corporations and their users that better clarity around data collection/preservation is the necessary step forward, one that will lead to a fairer digital society, and ultimately benefit all those involved. And in order to do that, the companies themselves must take matters into their own hands by building new tools to let data flow back to the user. The customers demand it, and equally deserve to have control over their digital footprint. In the end this is an EU bill with global ramifications, and we should all be paying attention. By now you most of you have gotten dozens of emails on “updates to privacy policy” and other notices of forthcoming compliance. This is a welcome reminder that it is you, the user, who’s the focal point GDPR. After decades of computer and telephone use, the companies with whom we ...
Read More
Read More
Competition Bureau | Oct 10, 2018 Speech Remarks by Interim Commissioner of Competition Matthew Boswell Global Series 2018 October 10, 2018 Ottawa, Ontario Thank you. I’m pleased to be here to speak with you today. Thank you Makan, for your thoughts on these important issues. They are particularly relevant to businesses, the legal community, academia and governments around the world and to all of you who are gathered here today. Every day we see the world evolving at a rapid pace, thanks to innovation. Development of new technologies, ways of doing business and the creation of new products have the potential to open up new areas of science, medicine and technology. Small steps lead to bigger steps. And here in Canada, we have to be ready for both the challenges and opportunities that this is bringing to all of us. Let’s understand what we are up against. Every year, innovation in the top industrialized countries is tracked by leading authorities on the subject. And here’s what they report about Canada in 2018. On the plus side, Canada performs better than some others in four big areas: Human Capital and Research, Institutions, Infrastructure, and Market Sophistication. See: Canada’s ‘innovation economy’ has ...
Read More
Read More
Crowdfund Insider | Cali Haan | Oct 9, 2018 Vancouver-based cryptocurrency exchange QuadrigaCX has been defending itself in court for the release of $28 million dollars in customer funds frozen by the Canadian Imperial Bank of Commerce (CIBC) since January, the Globe and Mail reports. According to court documents filed by CIBC in the Canadian province of Ontario, the action to freeze the accounts was taken because the bank says, “it was unable to determine who owns the funds,” and would like the court to take possession of the money and distribute it to either QuadrigaCX, their payments processor Custodian Inc, or to the 388 affected Quadriga customers, the Globe and Mail writes. Entrepreneurs in the relatively new crypto sector industries complained for some time about bank non-cooperation. See: International Anti-Money Laundering Standards for Crypto Expected in October The cryptocurrency press in South America has reported on numerous account closures by banks against crypto exchanges on the continent, some of which are now being contested in courts by, among others, exchanges like Walltime in Brazil. Sources within the Toronto crypto entrepreneur scene say they have suffered persistent problems with getting their businesses banked in the city- even at credit unions- and have ...
Read More
Read More
Crunchbase News | Alex Wilhelm | October 8, 2018 Meet Nubank, a fintech shop out of Brazil that just raised $180 million from Tencent at a valuation of $4 billion. Forget the fact that the round is half secondary. It’s an enormous transaction, and in more normal times, it would cause a big stir. However, the capital event highlights something notable about Tencent: the China-based company’s investment cadence is staggering. Tencent is disbursing cash at a far faster rate than Alibaba, another Chinese tech shop that isn’t famous for parsimony. Tencent’s Early Christmas Tencent has been on a check-cutting bing recently, getting through eight investing rounds in September. Those ranged from a $1.5 billion deal with Lianjia (real estate services), a $450 million round for MissFresh E-Commerce (mobile grocery sales), to the comparatively staid $90 million Series B for WeShare (fintech something or other). October is looking similarly hot. Tencent is at four deals so far, and the month isn’t even half done. Here’s the list: October 1. Miniso’s 1 billion rmb Series A. October 4. Voyager Innovation’s $175 million private equity round. October 5. Bilibili’s $317.6 million post-IPO equity event. October 8. Nubank’s $180 million Series F (half secondary). Regarding Nubank, TechCrunch’s Jon Shieber has the ...
Read More
Read More
Peter Diamandis | Blog | Oct 8, 2018 Governments are one of the last strongholds of an undigitized, linear sector of humanity, and they are falling behind fast. Apart from their struggle to keep up with private sector digitization, federal governments are in a crisis of trust. At almost a 60-year low, only 19 percent of Americans reported that they could trust their government “always” or “most of the time” in a recent Pew survey. And the U.S. is not alone. See: Immersive 2-day Blockchain Developer Training Course (Nov 10-11, Toronto): Decentralized Application Development The Edelman Trust Barometer revealed last year that 47 percent of the world population distrust their nations’ institutions. Even in Canada, only 26 percent of surveyed Canadians consider regulators and government officials to be credible. In many cases, the private sector — particularly tech behemoths — are driving greater progress in regulation-targeted issues like climate change than state leaders. And as decentralized systems, digital disruption, and private sector leadership take the world by storm, traditional forms of government are beginning to fear irrelevance. However, the fight for exponential governance is not a lost battle. Early visionaries like Estonia and the UAE are leading the way in digital governance, empowered by ...
Read More
Read More
NCFA Canada | Oct 5, 2018 Ep12-Oct 5: Building Blockchain Products & Decentralized Solutions for Enterprise and Startups About this episode: On this week's episode of the Fintech Friday$ podcast our host Manseeb Khan sits down with Mathieu Glaude the CEO and president of Northern Block. They talk about having a sovereign digital identity, the excitement behind stable coins and why supply chain in blockchain shouldn't be overlooked. Enjoy! Host: Manseeb Khan, NCFA, Fintech Fridays show host Guest: MATHIEU GLAUDE, President and CEO, Northern Block (LinkedIn) Bio: Mr. Glaude is the President and CEO of Northern Block, a Toronto-based blockchain product development company building decentralized applications, enterprise solutions and developer tools for blockchain ecosystems. Mr. Glaude brings extensive expertise to product development in the enterprise technology space. Prior to Northern Block, he worked for Capital One Bank where he led many large scale customer-facing software development initiatives. Additionally, he owns a private equity fund focused on making early stage investments in the blockchain and emerging technology sectors. Subscribe and tune in each Friday to check out the latest movers and shakers in fintech. Listen to more Fintech Fridays podcasts here Transcription of Interview Manseeb Khan: Hey this is Manseeb Khan and you are tuning into a brand-new episode of fintech Fridays. Manseeb Khan: Today I have ...
Read More
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