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Fintech Impact

Fintech Impact is an exploration of the fintech w…


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  • 449. Enfi with Joshua Summers | E449

    32:16||Ep. 449
    In this episode of Fintech Impact, host Jason Pereira sits down with Joshua Summers, co-founder and CEO of Enfi. Enfi is an AI platform built to take the grind off lending teams—automating everything from document extraction and underwriting to portfolio monitoring and credit memo drafting.Summers says the company started after he spotted a glaring bottleneck in credit: lenders are bogged down doing 70 to 80 percent of their work on repetitive, low-value tasks. He walks through why off-the-shelf LLMs don’t cut it for this kind of work. Credit decisions require a tightly controlled framework—specialized ontologies, strict routing, built-in quality checks, and the kind of audit trails and explainability that regulators actually expect.They dig into why vertical, specialized AI agents are a better fit than broad, general-purpose models in regulated finance. Summers shares some hard numbers, too: clients have unlocked $300 million in additional lending volume without adding a single head, cut annual review turnaround from eight hours down to 45 minutes, and completely cleared an indirect auto backlog in just 90 minutes.The conversation wraps up with Enfi’s hands-on “proof of value” rollout strategy, and the human side of the equation—how teams actually adjust their workflows and mindset when bringing AI into established credit departments.Episode Highlights:00:00 Welcome and Guest Intro00:34 What Enfi Does01:24 Origin Story and Insight02:42 The Human Capacity Crisis04:56 How Enfi Fits Workflows07:12 Credit Harness and Ontology10:00 Why Generic LLMs Fail11:01 Harnesses and Regulation15:57 Routing Models and Evals20:04 Customer Results and ROI22:07 Scaling Adoption and Change25:53 Rapid Fire Closing Questions31:11 Wrap Up and SponsorFacebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – SponsorEnfiLinkedIn - Joshua Summers’ LinkedIn

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  • 448. Vanilla with Gene Farrell | E448

    32:42||Ep. 448
    In this episode of FinTech Impact, host Jason Pereira interviews Gene Farrell, CEO of Vanilla, an estate planning platform built to help advisors deepen multigenerational client relationships by creating, managing, and analyzing estate plans. Farrell explains the company’s origins with founder Steve Lockshin, who turned a manual, time-intensive document-review process into software, then scaled it into a standalone business after raising a Series A led by Venrock in 2021. The conversation covers Vanilla’s client engagement tools like Estate Health Check, state-specific document building, and AI-driven analysis that flags gaps such as improperly executed documents, unfunded trusts, or outdated plans after interstate moves. Farrell also details why Vanilla was built for enterprise early—driven by clients like Vanguard—emphasizing security, role-based controls, and obfuscating PII from AI models, while staying focused on end-to-end estate planning depth rather than expanding into adjacent tools.Episode Highlights:00:00 Welcome to Fintech Impact00:33 Future-Proof Ice Cream Banter01:12 What Vanilla Does01:58 How Vanilla Started04:44 Gene Joins as CEO06:15 Getting Clients Engaged07:32 Estate Planning Explained11:25 AI Document Analysis12:43 Growing AUM and Family Ties16:19 Attorney Network and Flexibility18:17 Why Enterprise First22:54 Staying Focused on Estate25:42 Rapid Fire Closing Questions31:51 Final Thanks and Wrap UpResources:Facebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – SponsorVanillaLinkedIn - Gene Farrell’s LinkedIn

  • 447. Practifi Revisited with Adrian Johnstone | E447

    39:46||Ep. 447
    Host Jason Pereira interviews Practifi founder/CEO Adrian Johnstone about how Practifi has evolved for a post-GenAI world, launching a second product, Sentir, alongside its existing Naya platform. Johnstone explains Practifi’s OEM approach on Salesforce (platform-as-a-service, not a simple industry overlay) and why bolting AI onto a traditional navigation-led CRM is limiting, leading to a “burn the boats” redesign. Sentir is positioned as an AI-native CRM with a digital workforce of 16 agents, native ingestion of email and call transcripts, role-specific insights for advisors, operations, and executives, and auditable, citation-backed outputs to address regulated-industry trust and compliance concerns. They discuss structured vs. unstructured data, deterministic vs. probabilistic AI, risks of fragmented point solutions and “vibe-coded” layers, the importance of robust APIs, and objections to variable AI consumption pricing in favour of predictable subscription use.Episode Highlights:00:00 Welcome Back Adrian00:35 Naya Versus Sentir01:39 Salesforce OEM Difference03:23 Why Rebuild For AI06:59 Giver, Not Taker CRM08:37 Burn The Boats11:19 Digital Workforce In Action13:56 Audit Trails And Trust15:14 AI Pricing Debate20:36 MCP Versus APIs24:24 Vibe Coding Risks32:42 Small Firms Big Power33:27 Sixteen Agent Categories37:13 Final Three Questions38:56 Wrap Up And GoodbyeResources:Facebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – SponsorPractifi LinkedIn - Adrian Johnstone’s LinkedIn

  • 446. DeepVest with Toby Wade | E446

    25:23||Ep. 446
    In this episode of FinTech Impact, Jason Pereira sits down with Dr. Toby Wade, CEO of DeepVest, to explore how wealth management firms can leverage AI without worrying about false information or incorrect math. Wade explains how DeepVest’s "hallucination-free" AI stack uses pre-coded, deterministic calculations for structured financial data, ensuring the system returns exact portfolio analytics and refuses to guess unsupported numbers. Listeners will learn how DeepVest evolved from natural-language backtesting into a complete advisor platform that accelerates proposal generation, portfolio stress-testing, and meeting prep. By integrating directly with existing CRMs and custodians, the platform helps advisors win new business and scale AUM without taking on the role of a custodian or trading desk.  Give this episode a listen to discover how deterministic AI is giving wealth managers institutional-grade analytics without the risk of hallucinations.Episode Highlights:00:00 Welcome to Fintech Impact00:37 What DeepVest Does00:57 Origin Story and Focus01:56 Deterministic Analytics Engine04:25 Why LLMs Hallucinate07:04 Expanding Into Proposals08:41 All In One Advisor Platform10:15 Data Context and Guardrails14:34 Real World Advisor Wins18:33 Future Butler Service Vision19:59 Where DeepVest Wont Play21:20 Rapid Tech Adoption Wish23:23 Startup Challenges and Wrap24:39 Closing and Sponsor MessageResources:Facebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – SponsorDeepVestLinkedIn - Toby Wade’s LinkedIn

  • 445. Launch Lemonade with Cien Solon | E445

    30:55||Ep. 445
    In this episode of FinTech Impact, Jason Pereira sits down with Cien Solon, founder of Launch Lemonade, to explore how domain experts can build custom AI tools without writing code. Solon explains how the platform acts as an AI marketplace, allowing industry experts to package their knowledge into specialized AI "agents" that businesses can safely deploy.The conversation highlights how Launch Lemonade solves low corporate AI adoption by providing a secure, audit-friendly environment that supports over 100 language models. By combining flexible model options with natural-language workflow tools, the platform allows regulated businesses to automate complex tasks while ensuring complete data privacy and compliance.Be sure to give this episode a listen to discover how custom AI agents are helping experts monetize their knowledge and giving businesses a safer way to adopt AI.Episode Highlights:00:00 Welcome and Guest Intro00:30 What Launch Lemonade Does01:12 Origin Story and Branding02:24 Why Generic AI Fails04:15 Expert Built Agents and Security05:50 Defining Agents and Harnesses08:38 Multi Model Strategy and Costs16:13 Building and Running Workflows18:41 Customers and Use Cases21:46 Roadmap Payments and Collaboration25:00 Founder Q and A Wrap Up29:55 Final Thoughts and OutroResources:Facebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – SponsorLaunch LemonadeLinkedIn - Cien Solon’s LinkedIn

  • 444. Investcloud with Boris Rankov | E444

    26:30||Ep. 444
    Connecting fragmented advisor data into a unified, AI-driven workflow is the central theme of this episode, as Jason Pereira sits down with Boris Rankov, Head of AI for Wealth at InvestCloud. Rankov breaks down how InvestCloud—a wealthtech giant supporting $8 trillion in assets—is evolving its SMART AI and PM Plus capabilities to make wealth management more accessible and efficient.Listeners will get an inside look at how InvestCloud builds secure, enterprise-grade AI using semantic layers, guardrails, and deterministic tools to guarantee accuracy in regulated markets. Rankov highlights how these agent-orchestrated workflows simplify advisor operations by surfacing real-time insights, automating meeting prep and CRM follow-ups, and expanding research access—all while keeping human advisors firmly in the loop to maintain client trust.Be sure to give this episode a listen to discover how enterprise AI is reshaping advisor workflows and laying the groundwork to democratize wealth management.Episode Highlights:00:00 Welcome to Fintech Impact00:36 Meet InvestCloud01:18 SMART Platform Flywheel02:37 Adapting to GenAI04:52 Semantic Layer and Data05:27 Reliability and Eval Harness07:42 Agent Orchestration Explained10:47 Validation and Release Testing17:51 Advisor Wins and Workflow20:05 Client Portal and Trust21:35 Rapid Fire Questions25:36 Closing and SponsorResources:Facebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – SponsorInvestCloudLinkedIn - Boris Rankov’s LinkedIn

  • 443. Aegis AI & Analytics with Bruno Texeira | E443

    27:20||Ep. 443
    Host Jason Pereira interviews Bruno Teixeira, founder of Aegis AI Analytics, about helping mid-sized firms strategize and implement AI in workflows. Teixeira, with 20 years in analytics across banks in Brazil and Canada and experience on CPP Investments’ gen AI team, explains that smaller firms can adopt AI faster due to less bureaucracy but must avoid treating AI like a “genie” or automating broken processes. He emphasizes change management, hands-on enablement (hackathons, office hours, champions), and aligning workflow and incentives rather than simply distributing tools like Copilot. Success should be measured by meaningful productivity and output gains, not prompt counts, using team-appropriate metrics and incremental automation targets (e.g., reducing validation work hours). He advises not to wait for new frontier models and to improve outcomes through clearer context and reverse-engineering desired outputs.Episode Highlights:00:00 Welcome and Guest Intro00:31 Bruno’s Background in AI02:28 Why Mid-Sized Firms Struggle04:21 Picking the Right Use Case06:09 AI and the Workforce Reality08:47 Adoption Programs That Work10:10 Hands-On Training and Champions12:45 Deployment Checklist and Measurement14:39 KPIs and Automation ROI16:44 Common Pitfalls and Prompting21:58 Getting Started and Final Q&A26:33 Wrap-Up and Sponsor MessageResources:Facebook – Jason Pereira's FacebookLinkedIn – Jason Pereira's LinkedInWoodgate.com – SponsorAegis AI & AnalyticsLinkedIn - Bruno Texeira’s LinkedIn