Fintech Impact


Cosmos with Ethan Buchman | E138

Ep. 138

In this 138th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Ethan Buchman, Co-Founder of Cosmos and CEO of Informal Systems. Cosmos is one of the largest blockchains and one of the most valuable cryptocurrencies in the world, of which Ethan Buchman was an integral part of creating. 

Episode Highlights: 

● 00:32 – Ethan Buchman explains Cosmos. 

● 02:53 – What is Ethan Buchman’s history? 

● 09:20 – What is the differences between and proof of work and proof of stake? 

● 10:10 – Which countries consumed less power than bitcoin? 

● 11:09 – Where else can you go besides bitcoin to maximize options? 

● 12:00 – They discuss public and private blockchains. 

● 16:06 – Where are the limitations with authurium? 

● 25:24 – What does Informal Systems do? 

● 35:01 – What would Ethan Buchman change in his business or industry? 

● 35:49 – What have been the biggest challenges Ethan has faced? 

● 36:50 – What keeps Ethan Buchman excited each day about his work? 

3 Key Points 

1. Blockchain is the evolution of automating human processes, moving from personal computers, to the cloud, and now to the multi-stakeholder operation. 

2. In 2019, bitcoin consumed more power than Switzerland. 

3. Reducing compliance is an important use case in the blockchain world. 

Tweetable Quotes: 

● “We want to make it as easy as possible for people to build their own blockchains, launch their own blockchains, structure them in the ways that they need to that fit their needs and fit their values, and the values of their community.” – Ethan Buchman 

● “In 2013 I programmed my first bitcoin transaction from scratch, which is almost like a religious experience to be able to do that.” – Ethan Buchman 

● “The public blockchain becomes this source of truth that you can audit against without necessarily revealing all the information to the whole world. The boutry between public and private becomes significantly blurred .” – Ethan Buchman 

Resources Mentioned: 

● Facebook – Jason Pereira’s Facebook 

● LinkedIn – Jason Pereira’s LinkedIn 

● – Website for Fintech Impact 

● – Sign up for Jason Pereira’s newsletter 

● Linkedin – Ethan Buchman

● – Website for Cosmos 

● – Website for Informal Systems

More Episodes


Hydrogen Platform with Michael Kane | E144

Ep. 144
In this 144th episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Michael Kane, co-founder of Hydrogen Platform, a fintech company working to build seamless financial platforms in an attempt to digitize the world financial system.Episode Highlights:● 0:38 – Michael Kane introduces Hydrogen Platform.● 1:22 – How did Hydrogen come to be?● 3:22 – What is it like for Michael running a company with his twin brother?● 4:55 – Michael breaks down the different fintech solutions that Hydrogen Platform offers to end-users.● 12:20 – Explain the concept of high-code, low-code, and no-code programming.● 18:03 – How does Michael see the end-vision for other brands and companies leveraging Hydrogen Platform and other platforms like it?● 24:44 – Collaboration between the financial and tech industries will only grow in the future.● 27:43 – Michael believes that pricing is far too high in his industry.● 29:52 – What has been the biggest challenge for Hydrogen Platform to get where it is today?● 32:00 – What excites Michael the most about what he is doing right now?3 Key Points1. Hydrogen Platform has made financial-technology integration easy by layering no-code and low-code applications on top of it.2. Most vendors usually stick to their specialty silo and that’s where Hydrogen comes in, putting together all the pieces in an open banking platform.3. In the future, companies all over the world will be integrating the different financial platforms that can be found with Hydrogen Platform.Tweetable Quotes:● “Why can’t we just take our expertise, put it into a platform and then allow all these companies to use the technology that we had built in a more B2Benterprise application layer?” – Michael Kane● “Applying for loans, it’s very painful. What if you could pull that in without any integration the end user doesn’t know that they’re using Hydrogen.” – Michael Kane● “You can’t necessarily go to one vendor to do some of these things...a vendor that does payments or cards or banking may not offer KYC.” – Michael Kane● “The speed at which some of the development I’m seeing get done now is just neck-breaking compared to what it used to be.” – Jason Pereira● “It’s a challenge when you’re doing something new and getting people aligned with what you’re doing, but so far we’ve been successful.” – Michael KaneResources Mentioned:● Facebook – Jason Pereira’s Facebook● LinkedIn – Jason Pereira’s LinkedIn● – Website for Fintech Impact● – Sign up for Jason Pereira’s newsletter● Hydrogen Platform - Website● LinkedIn - Michael Kane’s LinkedIn

Blockchain Valley Ventures with Heinrich Zetlmayer | E143

Ep. 143
In this 143rd episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Heinrich Zetlmayer, the Founder and CEO of Blockchain Valley Ventures, a Swiss venture firm that focuses on industry-leading blockchain businesses.Episode Highlights:0:32 – Heinrich introduces Blockchain Valley Ventures.1:48 – Heinrich left IBM in 2008 to enter the venture capital industry.2:55 – Investments in the blockchain space needed to be separated from the business.4:26 – Blockchain Valley Ventures helps entrepreneurs by taking care of their problems.5:48 – Switzerland is a hotspot in the crypto world because of its unique regulations.7:07 – BVV invests in only two types of sectors.8:18 – With all the remote working brought on by COVID, Keyless has been brought to the forefront.9:32 – Heinrich discusses the multiple clusters in the supply chain management industry.12:03 – How are consumers finding product-market fit right now?17:49 – What excites Heinrich about the blockchain industry in the near future?20:09 – How will gaming play a part in the future of blockchain?21:40 – Coin Source is developing a system of crypto ATMs.24:20 – Why do people fear the volatility of the bitcoin market?26:10 – If Heinrich could change one thing about the blockchain sector, what would it be?26:44 – What is the biggest challenge in Heinrich’s company today?27:49 – Heinrich discusses what excites him the most about his career.3 Key PointsBlockchain Valley Ventures provides value to entrepreneurs by helping them with their problems.Blockchain is just moving out of its infancy as an industry.People struggle with blockchain because of the volatility of bitcoin, but in reality, world currency is just as volatile.Tweetable Quotes:“We’re fully dedicated to the impact of blockchain technology and blockchain innovation...because it is such a fundamental innovation. It’s so complex in itself as it combines legal, technology, innovation.” - Heinrich Zetlmayer“If you want to be relevant in the blockchain space and deliver value, you cannot be just an investor. You need to add value.” - Heinrich Zetlmayer“The whole industry is moving out of an early-stage industry. It’s moving from proofs-of-concept into pilate projects and rollouts.” - Heinrich Zetlmayer“Value is not in a physical object; it can be abstracted. Just for the sake of convenience, it’s going to continue to grow around the world.” Jason PereiraResources Mentioned:Facebook – Jason Pereira’s FacebookLinkedIn – Jason Pereira’s – Website for Fintech – Sign up for Jason Pereira’s newsletterLinkedIn – Heinrich Zetlmayer’s – Blockchain Valley Ventures Website

Nexj Systems Inc. with Matthew Bogart | E142

Ep. 142
In this 142nd episode of Fintech Impact, Jason Pereira, award-winning financial planner, university lecturer, writer, and host interviews Matthew Bogart, Vice President of Marketing at NexJ Systems, a financial-specific CRM and data analytics tool.Episode Highlights:● 00:27 – Matthew Bogart introduces himself and NexJ Systems.● 01:35 – What is the history of NexJ ?● 02:30 – How does NexJ go beyond just basic tracking?● 03:48 – How has NexJ’s customer base evolved?● 04:42 – What do they offer financial advisors?● 06:12 – Matthew Bogart discusses the data points that NexJ looks at.● 10:27 – NexJ has been around since 2004.● 10:48 – What does Matthew see coming down the pipeline?● 19:29 – Those that engage the most with their clients drive loyalty and are also usually the higher performing firms.● 20:19 – What would Matthew Bogart change in his business or industry?● 21:04 – What have been the biggest challenges Matthew Bogart has faced?● 23:41 – What keeps Matthew Bogart excited each day about his work?3 Key Points1. NexJ looks at about 44 points of data.2. Machine learning is when the systems analyzes pieces of data, looks for common patterns, and uses that to take action.3. Exporting data is becoming a greater priority than it has ever been.Tweetable Quotes:● “NexJ delivers intelligent customer management solutions to the financial industry, focused specifically on wealth management.” – Matthew Bogart● “Who would have thought back in the year 2000 that a firm like Shopify would be designated as a CRM vendor?” – Matthew Bogart● (NexJ) “Having thi very vertical-specific product that focuses on really the sales, service, and marketing elements that a financial advisor would need.” – Matthew BogartResources Mentioned:● Facebook – Jason Pereira’s Facebook● LinkedIn – Jason Pereira’s LinkedIn● – Website for Fintech Impact● – Sign up for Jason Pereira’s newsletter● Linkedin – Matthew Bogart’s Linkedin● – Website for NexJ