Global fintech and funding innovation ecosystem

FINTECH FRIDAYS Podcast: Season 3


Welcome to Season 3 of NCFA Canada's Fintech Fridays podcast, your trusted source for the latest trends and innovations in the fintech and funding community. This season, we continue our exploration of the fintech landscape, delving deeper into the world of digital identity, blockchain, and non-fungible tokens (NFTs).

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EP54: How Digital Identity will Transform Human Potential

FF EP54 David Lucatch How Digital Identity will Transform Human Potential 3 - FINTECH FRIDAYS Podcast:  Season 3

EP54: How Digital Identity will Transform Human Potential

Featured Guest: DAVID LUCATCH, Co-Founder, Director and President, Liquid Avatar Technologies Inc. (LinkedIn)


About Liquid Avatar Technologies Inc.

Liquid Avatar Technologies Inc. focuses on the verification, management and monetization of Self Sovereign Identity, empowering users to control and benefit from the use of their online identity.

The Liquid Avatar Mobile App, available in the Apple App Store and Google Play is a verified Self Sovereign Identity platform that empowers users to create high quality digital icons representing their online personas. These icons allow users to manage and control their digital identity and Verifiable Access and Identity Credentials, and to use Liquid Avatars to share public and permission based private data when they want and with whom they want.

The Company has a suite of early stage revenue generating programs that support the Liquid Avatar Mobile App program, including KABN KASH, a cash back and reward program that has over 500 leading online merchants and coming soon, an integrated offering engine. In Canada, the Company also has the KABN Visa Card, a "challenger financial" platform that allows users to manage and control a range of financial services for traditional and digital currencies. The Company is currently exploring expansion of the KABN Visa Card program to other geographic regions, including the USA. The Company's subsidiary, Oasis Digital Studios, is a creative and development agency that supports a wide range of artists, talent, and enterprises with Non-Fungible Token (NFT) solutions.

Liquid Avatar Technologies Inc. is publicly listed on the Canadian Securities Exchange (CSE) under the symbol "LQID" (CSE:LQID).

The Company also trades in the United States under the symbol "LQAVF" and in Frankfurt under the symbol "4T51".

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About this Episode:

On this episode, show host Anna Niemira sits down with guest David Lucatch of Liquid Avatar Technologies Inc. They discuss the ins and outs of digital identity and it's transformative potential for both consumers and businesses.Enjoy!

EP41:  40% pandemic growth, taking risks and innovating Insurtech in Canada 

GUEST: DANISH YUSUF, Founder and CEO, Zensurance (Linkedin)

About this Episode:  Danish Yusuf of Zensurance joins Craig Asano for the kickoff episode of Season 3 of Fintech Fridays. They discuss Danish's entrepreneurial journey, the story behind the creation of Zensurance and dive into what it's like adding 40% new staff during the pandemic to sustain growth, and innovating B2B insurance products for small businesses in Canada.

Enjoy! (Full TRANSCRIPT)

EP42:  Insights into the Teen Banking Sector and Improving the Financial Well-being of Families

GUEST: RIM CHARKANI, Co-Founder and CEO, WALO (Linkedin)

About this Episode:  Rim Charkani, the Co-Founder & CEO of WALO connects with NCFA Founder, Craig Asano, to discuss why Teen Banking is a growing opportunity for banks, and why financial wellness education is more crucial than ever for both kids and families. Did you know women in Canada weren't allowed to open a bank account without a man's signature until 1965? They navigate the history, psychology, cultural differences, and the need to improve Canada's financial literacy gaps and personal finances in every day life.

Enjoy! (Full TRANSCRIPT)

EP43:  Taking the Mortgage Process From 40 Days to Minutes

GUEST: CHRIS GRIMES, Co-Founder and CEO, (Linkedin)

About this episode: Chris Grimes, co-founder, and CEO of Fundmore chats with Tristram Waye about the mortgage market, inefficiencies, and entrepreneurship. Vetting mortgages by lending companies is a complex process involving several parties and considerable time. Whether a first-time buyer or doing a refinancing, this process can last up to 40 days. The conversation explores the mortgage process, its deficiencies, and how technology is being used to enhance this financial transaction.

Enjoy! (Full TRANSCRIPT)

EP44:  The Vanguard of Digital Innovation and Ecosystems in Canada


RICHARD REMILLARD, President, RCG Group (LinkedIn)

ROBIN FORD, Principal, Robin Ford Consulting (LinkedIn)

DAVID LUCATCH, Co-Founder and CEO, KABN Systems North America (LinkedIn)

LYNN JOHANNSON, Owner, E2 Management Corporation (LinkedIn)


About this episode:  Join us for a special Episode 44 where Craig Asano sits down with a panel of NCFA Advisors and members who discuss the vanguard of digital finance and it's ability to fund, develop and scale digital innovations in green finance, digital identity and other emerging ecosystem opportunities in Canada. Are success stories like Wealthsimple and Shopify repeatable? Covid has afforded us all the time to take stock on the past and present while considering a relaunch of the future. Will Canada get it right?

Enjoy! (Full TRANSCRIPT)

EP45:  Mission-driven and Consumer-centric Financial Services

Guest:  KEITH TAYLOR, Executive Director, DUCA Impact Lab (LinkedIn)

About this episode: Keith Taylor, Executive Director of the DUCA Impact Lab chats with Anna Niemira about consumer-centric and fair banking (social finance).  They discuss how a group of underbanked Canadian newcomers back in 1954 focused on solving a real problem in financial services.  Fast forward 65 years later, DUCA’s mission has never been stronger.  From innovative escalator-loans to digging deeper into retail financial literacy gaps, and their commitment to improving the financial well-being of its customers.  As a registered B-corporation, learn how DUCA is innovating and living up to their motto of not only being ‘the best in the world but the best FOR the world’.

Enjoy! (Full TRANSCRIPT)

EP46:  Making Business Borderless:  International Payments and Partnerships

Guest: ALASTAIR THOMPSON, Global Head of Business Development & Partnerships, TransferWise (LinkedIn)

About this Episode:

Alistair Thompson, Global Head of Business Development and Partnerships at TransferWise joins host Manseeb Khan to talk about their mission to make sending money as easy and free as sending an email.  They discuss how TransferWise began 9 years ago, and how transparent pricing, putting customers first and partnering with banks and non-banks globally has grown into a $5 billion monthly business and international fintech success.

Enjoy! (Full TRANSCRIPT)

EP47:  How to Change the World: Risk Culture and Work-life Balance

Guest: MICHELLE BEYO, Founder and CEO, Finavator (LinkedIn)

About this Episode:

Michelle Beyo, Founder and CEO of Finavator joins Fintech Fridays host Manseeb Khan who talk about taking risks, celebrating success and finding work-life balance. They talk about innovation during crisis and the need for Canada to adopt Open Banking and how companies that aren’t creating 50/50 diverse teams are leaving money on the table. Join us for an action packed episode that will have you participating in a sprint triathlon next year.

Enjoy! (Full TRANSCRIPT)

EP48:  How to Connect and Resonate with Customers Through Podcasting

Guest: FATIMA ZAIDI, CEO and Co-Founder, Quill Inc. (LinkedIn)

About this Episode:

Fatima Zaidi, CEO and Co-Founder of Quill Inc joins Fintech Fridays host Manseeb Khan to understand why podcasts have grown 200% in the last 6 months, and how influencers and corporate brands are building authentic customer relationships and motivating prospects with them. They talk about inspiring stories of Ben and Jerry’s ice cream, building trust, advice for female (under-represented) founders, and how to connect with affluent, educated millennial professionals. If you’re new to the power of podcasts, tune-in to learn why they are quickly becoming an integral part of a company’s marketing mix, today.

Enjoy! (Full TRANSCRIPT)

EP49:  Managing Private Placements Has Never Been Easier


BROCK MURRAY, Co-Founder and Global Head of Business Development, Katipult (LinkedIn); and

KARAN KHIANI, VP Solution Engineering, Katipult (LinkedIn)

About this Episode:

Join Brock Murray (Co-founder and Head of Global Business Development) and Karan Khiani (VP Solution Engineering) of Katipult, an award winning private placement software as a service company. They navigate the origins of their company, the challenges of product/market fit, the impact of COVID19, emerging retail investor trends and going public early. The best part is....their journey is just beginning. Welcome to EP49 of Fintech Fridays.  Enjoy! (Full TRANSCRIPT)

EP50: Compliance to the Moon

Guest: MARK BINNS, Chief Executive Officer, BIGG Digital Assets Inc.  (LinkedIn);

About this Episode:

On this milestone episode, our host Manseeb Khan sits down with Mark Binns CEO of BIGG Digital Assets. They cover the rally behind bitcoin, big tech investing in crypto, and giving your kids crypto instead of fiat for allowance money.  Enjoy!  (Full TRANSCRIPT)

EP51: Bacon and Eggs

Guest: JULIEN BRAULT, Chief Executive Officer, Hardbacon  (LinkedIn);

About this Episode:

On this episode of Fintech Fridays, Craig Asano, CEO of NCFA connects with Julien Brault the CEO of Hardbacon, an emerging high growth financial fitness and tracking app in Canada. They talk about the story behind Hardbacon, raising capital via equity crowdfunding and IPO routes, digital platforms as lead generation, and helping Canadians improve their wealth by making better financial decisions.  Enjoy!  (Full TRANSCRIPT)

EP52: Technology Due Diligence Process and Cyber Security Risks


1. FARSHAD ABASI, Founder and CSO, Forward Security Inc. (LinkedIn)

2. DANIEL LEE, Managing Director, Technology & Innovation, Mid-market Investment Banking, CIBC (LinkedIn)

3. MICHAEL CASTRO, Founder and Risk Executive, RiskAware Group (LinkedIn)

About this Episode:

On this episode of the Fintech Fridays Podcast our Host, Manseeb Khan is joined by Daniel Lee Managing Director, Technology & Innovation, Mid-market at CIBC, Farshad Abasi the Founder and CSO of Forward Security Inc., and Michael Castro the CEO of RiskAware Group. They chat about why you should make sure your company is secure from Day 1 and how you go from secure to sale. Enjoy!   (Full TRANSCRIPT)

EP53: Staying True to Bitcoin

Guest:  CHRIS NAPRAWA, President, TAAL Distributed Information Technologies Inc.(LinkedIn)

About this Episode:

On this episode, our host Manseeb Khan sits down with Chris Naprawa the President of TAAL. They chat about what is Bitcoin SV, how crypto can save global warming, and how to stay true to Bitcoin. Enjoy!  (FULL TRANSCRIPT)


EP1-Jul 20:  Global Crypto Payments and the Future of Digital Assets (CoinPayments)

EP2-Jul 27:  Canada's Role in the Global Fintech Ecosystem (Fintech Growth Syndicate)

EP3-Aug 3:  Doubling Down on Female Founders (Roar Ventures)

EP4-Aug 10:  Importance of a Smart Contract Safety Net (Sagewise)

EP5-Aug 17:  First Coin's M&A Story - Wall street meets Crypto (Galaxy Digital Canada)

EP6-Aug 24:  Asian Crypto Markets meet Canadian talent (Fintech Association of Hong Kong)

EP7-Aug 31:  Structuring an ICO and the Mind of a Fintech-preneur (Pegasus Fintech)

EP8-Sep 7:  Institutionalization of Crypto, China’s Ban and the Potential of Blockchain Decentralization (NexChange)

EP9-Sep 14:  New SmartPay Product & Front-line of Global Digital Payments (Curexe)

EP10-Sep21: A Regtech-based Blockchain KYC Solution for Document Custody (Commercial Passport)

EP11-Sep 28:  How Amazon Bank is Dominating and Risks of a Digital Bifurcated World (Schulte Research)

EP12-Oct 5:  Building Blockchain Products & Decentralizd Solutions for Enterprise and Start-ups (Northern Block)

EP13-Oct 12:  Road to Fintech IPO:  Capital Networks, Scalable Solutions, Putting People First (Progressa)

Ep14-Oct 19:  The Convergence of Data Intelligence and Money Algorithms (

Ep15-Oct 26:  Gearing up Hyperion Exchange, Hybrid Models and Security Tokens (Hyperion Technologies)

EP16-Nov 2:  Envisioning the Future of Open Banking for Consumers and Businesses (Lending Loop)

Ep17-Nov 9:  How Artificial Intelligence is Optimizing Sales and the Future of Business AI (

Ep18-Nov 16:  Bridging the AML/ATF Gap with Financial Institutions and the New Economy (Coinsquare)

Ep19-Nov 23:  Future of Business Tokenization and How Blockchain Challenges Concept of Money (TokenFunder)


Ep20-Jan 11:  Bitcoin Backed Loans and 2x Credit - Putting Your Crypto to Work (Mauricio Di Bartolomeo)

Ep21-Jan 18:  Meritocracy, Decentralized Innovation and the Power of Collaboration (Hussein Hallak)

Ep22-Jan 25:  Reducing Regulatory Burden by 25% in Ontario (Amar Nijjar)

Ep23-Feb 1:  Getting Smart About Crypto and Insurtech Snapchat Models (Justin Hartzman)

Ep24-Feb 8:  Re-imagining Philanthropy (Daryl Hatton)

Ep25-Feb 15:  Unlock the World (Kate Guimbellot and Jason Sosnowski)

Ep26-Feb 22:  Investing in Private Canadian Companies (Peter-Paul Van Hoeken)

Ep27-Mar 1:  Blockchain Gaming and esports (Shidan Gouran)

Ep28-Mar 8:  Rethinking Brokers (Muhammad Rashid)

Ep29-Mar 22:  The Future of Securities (Richard Carleton)

Ep30-Apr 12:  The Future of Canadian Crypto (Andrei Poliakov)

Ep31-May 14:  Blockchain Law (Jason Saltzman)

Ep32-May 24:  Rallying behind Bitcoin (Frederick T. Pye)

Ep33-May 31:  Indexing Consumer Loans and Financial Literacy (Phillip Postrehovsky)

Ep34-Jul 6:  Accelerating Fintech Growth (Brendan Holt Dunn)

Ep35-Aug 9:  Autonomous Alternative Lending (Vit Arnautov)

Ep36-Aug 22:  Techfins (Michael King)

Ep37-Sep13:  Funding is Female (Jill Earthy)

Ep38-Mar25: Why Identity Matters in an Evolving Online Environment (David Lucatch)

Ep39-Apr23: The Power of Digitization and How to Get Exponential (James Wallace)

Ep40-May22:  Why Bitcoin Exists and Education for the Masses (Austin Hubbell)


EP41:  40% pandemic growth, taking risks and innovating Insurtech in Canada (Danish Yusuf, Zensurance)

EP42:  Insights into the Teen Banking Sector and Improving the Financial Well-being of Families (Rim Charkani, WALO)

EP43:  Taking the Mortgage Process From 40 Days to Minutes (Chris Gries,

EP44:  The Vanguard of Digital Innovation and Ecosystems in Canada (Various NCFA Advisors)

EP45: Mission-driven and Consumer-centric Financial Services (Keith Taylor, DUCA Impact Lab)

EP46: Making Business Borderless: International Payments and Partnerships (Alastair Thompson, TransferWise)

EP47: How to Change the World: Risk Culture and Work-life Balance (Michelle Beyo, Finavator)

EP48:  How to Connect and Resonate with Customers Through Podcasting (Fatima Zaidi, Quill Inc.)

EP49: Managing Private Placements Has Never Been Easier (Brock Murray and Karan Khiani, Katipult)

EP50:  Compliance to the moon (Mark Binns, Digital Assets Inc.)

EP51:  Bacon and Eggs (Julien Brault, Hard Bacon)

EP52:  Technology Due Diligence Process and Cyber Security Risks (Forward Security, CIBC, RiskAware Group)

EP53:  Staying True to Bitcoin (Chris Naprawa, TAAL)

EP54:  How Digital Identity will Transform Human Potential (David Lucatch, Liquid Avatar Technologies)



EP55: Global hiring trends: How Gen Z Talent Thrives (Anne-Marie Fannon, Work-Learn Institute, University of Waterloo)

EP56: How We Raised $426 million Using Rewards Crowdfunding (Zach Smith, Funded Today)

EP57: 10 Years of Investment Crowdfunding: Past, Present, and Future Since the Act (Expert Advisors)

EP58: Using Risk Management to Improve Your Business and Life (Alex Sidorenko)



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FINTECH FRIDAY$ is a weekly podcast brought to you by NCFA and partners, where we sit down with the incredible people in the Fintech and Funding community and talk about trends, product innovations, developments and challenges!

Fintech Fridays is an evolving and innovative educational platform focused on delivering authentic personalities, content and story telling on the journey of mainstream adoption of new financial technologies and their impact on the future of finance.

Subscribe and tune in each Friday to check out the latest movers and shakers.  Want to get involved?  Contact us about partnerships opportunities, hosting and more:

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NCFA Jan 2018 resize - FINTECH FRIDAYS Podcast:  Season 3 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:

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