Money Travels

Episodes

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  When Legacy Banking Meets the New Global Payments Economy 01.09.2026 31m

  For decades, migrant workers were forced to navigate incredible friction just to send money home because legacy banks shied away from serving them. This exclusion triggered a wave of innovation, allowing emerging economies to leapfrog the West with mobile wallets and real-time networks. But it also created a wide interoperability gap. Cecilia Tamez, Chief Strategy Officer at Euronet Worldwide, experienced these challenges firsthand as an immigrant navigating archaic financial systems. In this episode, Cecilia reveals the big idea that solves this global fragmentation: turning a vast remittance network into the invisible infrastructure to connect legacy banks with the unbanked. We explore why Ria was uniquely placed to build this bridge, how AI is quietly revolutionizing cross-border compliance, and why this connectivity paves the way for a future where work migrates to people rather than people migrating for work.
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  Retailers Are Racing to Become Marketplaces. Their Payments Aren’t Ready. 04.08.2026 32m

  For decades, the retail equation was simple: a business sold a product to a customer. But today, realising they can no longer survive on their own inventory, traditional retailers are transforming into vertical marketplaces, hosting thousands of third-party sellers. As the Head of Technology, Nuvei for Platforms, Simon Hall builds the payment infrastructure that makes this possible. In this episode, Simon explains why legacy payment pipes are breaking under the weight of this new platform economy, why this pivot is transforming traditional retailers into complex financial companies, and how Nuvei is working to ensure marketplaces survive the coming wave of agentic commerce.
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  When Stablecoin Hype Meets Payments Reality: Inside the Paysend Pilot on Visa Direct 01.07.2026 31m

  Stablecoins are everywhere in the conversation about the future of money—but what happens when they enter real payment systems? In this episode, Abdul Abdulkerimov, founder & Executive Chairman Paysend along with Vira Platonova, Global Head of Visa Direct, join host Maxime Guirauton to discuss the first stablecoin settlement pilot on Visa Direct. Together they unpack why fintech companies are experimenting with stablecoin settlement, what problems it might solve for cross-border payments, and how pilots like this could shape the next generation of global money movement. Learn more about Visa Direct: visa.com/visadirect Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Disclaimers: Visa Direct capability is enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.
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  Why Finance Keeps Solving the Wrong Problems — And How That’s Changing 01.06.2026 31m

  For years, the financial technology sector has operated at the bleeding edge of innovation — from embedded finance to stablecoins and AI. But product strategist and fintech thought leader Jas Shah argues that in the rush to adopt new technologies, it can be easy to lose sight of the human problems we’re trying to solve. As the founder of Bitsul and the voice behind the popular Fintech: Under the Hood newsletter, Jas helps companies bridge the gap between complex code and genuine customer needs. In this episode, Jas explains how his consulting work gets him up close to the real-world friction facing small businesses and migrant workers. We discuss why the West's focus on stablecoins often misses the point, how AI should be harnessed for intent rather than hype, and why the best financial technology is the kind the user never even notices.
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  Why Small Businesses Get the Worst Financial Services — And How That’s Finally Changing 18.05.2026 36m

  The financial system operates on a paradox: the biggest companies get the best rates and fastest service, while the real economy—the painters, carpenters, and small suppliers—pay more for a poorer service. With a background in humanitarian aid and finance, Stable Sea founder Tanner Taddeo is using digital assets to fix this. In this episode, Tanner explains how he is bringing Wall Street services to Main Street, and why the future of the US dollar depends on winning the shadow race for digital currency.
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  Why Money Gets Lost in Translation — And How Global Payments Are Fixing It 06.05.2026 28m

  For decades, the global financial system has been a Tower of Babel, with banks, wallets, and blockchains each speaking their own language, unable to work together efficiently. This fragmentation has caused massive inefficiencies, trapping billions of dollars in dead money and excluding billions of people from the global economy. Chloé Mayenobe, Deputy CEO of Thunes, is building a universal translator to fix this. In this episode, Chloé discusses the rise of the mobile-first economy, why stablecoins are the key to 24/7 liquidity, and how strict compliance became her competitive advantage in building a network that reaches 7 billion endpoints.
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  Why It’s Easier to Pay Than Get Paid — And How That’s Changing 21.04.2026 28m

  For decades, the global financial infrastructure was designed as a one-way street: excellent at collecting money from consumers, but slow and inefficient at giving it back. Rodney Robinson, a 40-year veteran of the payments industry, recognized that for the digital economy to work, money needed a reverse gear. In this episode, Rodney discusses why legacy institutions didn’t share his vision, how TabaPay is now the invisible plumbing for the apps we all use, and why democratizing instant money movement is the key to preventing debt cycles for millions of Americans. 00:00 Welcome to Money Travels: The Push and Pull Problem 01:15 Lightning Round: 40 Years of Payments Wisdom 04:40 The Asymmetry of Money Movement: Pull vs Push 07:11 Solving the Impossible: Building Two-Way Instant Payments 08:22 The Invisible Infrastructure Powering Your Favorite Apps 11:12 The New Normal: Speed as a Consumer Expectation 11:49 From Corporate Rejection to Entrepreneurial Success 15:28 Flip Phones and Failed Experiments: Learning from Mobile Payment History 17:10 Breaking the Debt Trap: The Real Impact of Instant Payments 20:42 The FinTech-Bank Clash and the Future of Payments Learn more about Visa Direct: visa.com/visadirect Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Disclaimers: Visa Direct capability is enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.
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  When Stablecoins Meet Africa: What the World Is Missing 07.04.2026 42m

  Money Travels Podcast Season 4, Episode 1 With the global financial system often failing to serve emerging markets, Chris Maurice, CEO and Co-Founder of Yellow Card, has built an innovative solution from the ground up. What started as a personal mission to solve crippling remittance fees evolved into Africa's leading stablecoin infrastructure, facilitating billions in commerce. In this episode, Chris dives into his founder journey—from selling Pokémon cards to flying into Lagos on a six-day-old passport—and explains how Yellow Card leveraged stablecoins to solve Africa’s payments problems. We’ll discuss his work with governments to build regulatory clarity, his vision for using stablecoins to strengthen the global dollar system, and how this new financial infrastructure is laying the foundation for an equitable and connected global economy. Learn more about Visa Direct: visa.com/visadirect Disclaimers: Visa Direct capability is enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.
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  What We Learned From 10+ Hours With Top Voices in Money Movement 05.01.2026 26m

  Money Travels Podcast Season 3, Episode 14 What does the "edge of money" actually look like? In our Season 3 finale, hosts Rich and Max look back at the most groundbreaking conversations of the year—from the digital transformation of aid in conflict zones to how AI is finally giving creators the financial tools they deserve. We dive deep into why "inclusion" is about more than just a bank account—it’s about dignity, choice, and moving money at the speed of life. Whether it’s solving the trillion-dollar friction in B2B payments or making "money roaming" as easy as mobile roaming, this episode summarizes the innovations that are redefining our global economy. Learn more about Visa Direct: visa.com/visadirect Disclaimers: Visa Direct capability is enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.
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  10+ Hours of Money Movement Insights in 26 Minutes 05.01.2026 26m

  Money Travels Podcast Season 3, Episode 14 What does the "edge of money" actually look like? In our Season 3 finale, hosts Rich and Max look back at the most groundbreaking conversations of the year—from the digital transformation of aid in conflict zones to how AI is finally giving creators the financial tools they deserve. We dive deep into why "inclusion" is about more than just a bank account—it’s about dignity, choice, and moving money at the speed of life. Whether it’s solving the trillion-dollar friction in B2B payments or making "money roaming" as easy as mobile roaming, this episode summarizes the innovations that are redefining our global economy. Learn more about Visa Direct: visa.com/visadirect Connect with Visa Direct on LinkedIn:   / visa-direct   #Fintech #DigitalPayments #MoneyTravels #FinancialInclusion #CreatorEconomy #AI #FutureOfFinance Disclaimers: Visa Direct capability is enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.
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  How Aavance Is Driving Financial Inclusion for Migrants in Latin America with Digital Wallets 08.12.2025 46m

  With 7.7 million Venezuelan refugees globally and 2.9 million in Colombia alone, the challenge of distributing humanitarian aid effectively is huge. Using cash is slow and risky, and lacks transparency, raising problems for NGOs and migrants alike. In this episode, we’re joined by the team from AAvance, a fintech working with Visa to tackle this problem head-on. We’ll explore how their digital wallet is replacing insecure cash with prepaid cards, giving dignity and financial freedom to migrants. We’ll hear the human stories behind AAvance’s work, and learn how it’s creating a pathway to economic independence for migrants across Colombia. And we’ll discover just why it matters so much to AAvance’s founders themselves John Herreño and Magreth Gutierrez Vargas.Disclaimers:Visa Direct capability is enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.
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  How TerraPay Solves Fragmented Global Payments with Interoperability 22.11.2025 34m

  Money Travels Podcast Season 3, Episode 12 For migrant workers sending remittances back home, cross-border payments can be slow, complex and expensive. It was this challenge Ambar Sur set out to solve when he left his telecom background and co-founded Terrapay in 2014. Inspired by telecom’s seamless global connectivity, Ambar set about building a robust network to enable instant, low-cost digital transactions, helping workers move more money more quickly across borders and increasing financial inclusion in the process. In this episode, we talk to Ambar about his Terrapay journey and how digital wallets are reshaping financial ecosystems to meet UN Sustainable Development Goals. We discuss the power of interoperability, explore the real-world impact of digital wallets, and ask about the challenges still to be addressed in the quest for borderless financial connectivity. Learn more about Visa Direct: visa.com/visadirect Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Timestamps: Chapters 00:00:00 Introduction to Ambar Sur 00:00:45 Welcome to Money Travels 00:02:10 What is a digital wallet? 00:03:20 How do digital wallets fit into today’s financial ecosystem? 00:04:40 Making wallets “roam” globally 00:06:00 Why do small-value remittances matter? 00:08:20 How does TerraPay work with regulators on compliance? 00:10:00 Guiding emerging market regulators on cross-border flows 00:11:30 Ensuring reliability and delivering fast transfers 00:13:00 Insights from Ambar’s telco background 00:14:10 The shift from cash to digital 00:15:30 Why are some workers still paid in cash? 00:17:00 Cash vs. digital adoption in emerging markets 00:18:10 TerraPay’s early market entry strategy 00:20:00 The vision for global interoperability 00:22:30 Making low-value transfers affordable for gig workers 00:24:10 How do regulators shape digital wallet expansion? 00:26:40 Stablecoins, FX considerations, and keeping flows regulated 00:29:00 Building trusted, scalable global payment rails 00:31:20 TerraPay’s mission: money movement as seamless as mobile roaming 00:34:10 Future outlook for global wallets and remittances 00:36:40 Closing and next episode nominations Disclaimers: Visa Direct capability is enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.
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  How Paysend is Solving the Single Biggest Challenge in Financial Services 20.10.2025 59m

  Money Travels Podcast Season 3, Episode 11 As CEO at Paysend, Ben Chisell is revolutionising how money moves across borders. In this episode, we talk with Ben about his personal journey, his passion for improving financial inclusion, and the challenges faced by millions when it comes to sending and receiving money. We explore the inefficiencies in traditional systems, the impact of new technologies, and how Paysend’s secret recipe for settling international payments could solve “the single biggest problem in financial services” — to the benefit of businesses and individuals alike. Learn more about Visa Direct: visa.com/visadirect Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Chapters 00:00:00 Introduction to Ben Chisell 00:00:57 Welcome to Money Travels 00:01:50 Persistent challenges in moving money 00:03:47 The impact of solving backend payment issues and who benefits 00:05:54 How new innovation affects businesses and SMBs, particularly around cash flow 00:09:46 Industry shifts driving focus on backend payment infrastructure 00:15:55 Ben Chisell’s experience at Paysend: identifying problems and proposing strategic change 00:20:55 Developing and refining Paysend’s mission and strategy 00:22:30 Key conversations that helped shift company priorities 00:24:03 How other companies have adapted to similar strategic approaches 00:28:00 Core challenges in global money movement:  1. Speed of transfers  2. Ease of sending  3. Cost efficiency 37:42 — Settlement challenges and Paysend’s solutions 39:43 — Overview of Paysend and how it addresses its own operational pain points 42:13 — Ben Chisell’s passion for improving financial systems and user experience 49:09 — What’s next for Paysend and the broader money movement industry Disclaimers: Visa Direct capability is enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.
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  How Agentic AI is Changing the Financial Health of Millions 29.09.2025 57m

  Money Travels Podcast Season 3, Episode 10 With so many people struggling to manage their finances effectively, the financial services industry is steadily shifting its focus from increasing financial inclusion to improving financial health. For more than two decades, Jennifer Tescher has been pursuing this cause with the Financial Health Network, with the aim of ensuring a fair shake for the “little guy.” Now, with the emergence of agentic AI and open banking, Jennifer is helping to usher in a new era of personalised financial solutions, from AI-powered advisers that improve financial decision-making, to “self-driving wallets” that can take action on behalf of consumers. In this episode, Jennifer explains what consumers stand to gain from these advances, how banks will benefit too, and how the work being done now is laying the foundation for a more equitable financial future. Learn more about Visa Direct: visa.com/visadirect Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Chapters 00:00:00 Introduction to Jennifer Tescher 00:01:05 Welcome to Money Travels 00:02:05 Unpacking financial health and inclusion 00:03:00 Defining and measuring financial health 00:06:17 Partnering with Queen Máxima on financial health advocacy 00:09:13 The power of data in improving financial outcomes 00:11:20 Financial literacy vs. financial health — key differences 00:13:54 Who benefits from this work: consumers, businesses, or both 00:15:30 Leveraging AI to enhance financial health: opportunities and challenges 00:17:00 Mitigating AI risks: data bias, representation, and responsible guidance 00:20:00 Future of AI providers: banks, fintechs, and evolving partnerships 00:23:27 The industry outlook: coexistence and collaboration between banks and fintechs 00:25:57 Financial Health Network’s approach: research, partnerships, consulting, and fintech investment 00:28:30 How these efforts provide value and drive change across the industry 00:31:29 Why financial health matters for banks and fintechs 00:35:10 Measuring success and long-term impact 00:38:00 Generational and economic shifts shaping financial health (crypto, policy, labor trends) 00:39:30 Jennifer Tescher’s journey from journalism to financial advocacy 00:45:30 The future of financial health: challenges, innovation, and what keeps her motivated 00:50:20 Looking ahead: what success will mean in the next decade 00:56:20 Closing and next episode nominations Disclaimers: Visa Direct capability is enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.
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  How the Gates Foundation Brings Financial Access to Billions 08.09.2025 1h 4m

  Money Travels Podcast Season 3, Episode 9 As the former Chief Architect of the SWIFT network, which is still used to handle $4 trillion in daily transfers, Kosta Peric helped to transform the global financial landscape. Now at the Bill and Melinda Gates Foundation, Kosta is helping to increase financial inclusion across the globe, building scalable, interoperable payments infrastructure to give unbanked populations access to secure financial services for the first time. In this episode, Kosta explains how these payment systems empower individuals, foster economic growth, and benefit businesses across the developing world, as progress accelerates toward the 2030 goal of full financial inclusion. Learn more about Visa Direct: visa.com/visadirect Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Chapters 00:00:00 Introduction to Kosta Peric 00:01:05 Welcome to Money Travels 00:01:27 Kosta Peric’s journey from SWIFT to the Gates Foundation 00:04:30 Transforming SWIFT’s culture from risk-aversion to innovation 00:10:47 Addressing global unbanked populations and the motivation for change 00:13:30 Defining financial inclusion and why it matters 00:20:45 Ensuring inclusion as cash becomes less prevalent 00:28:00 Steps toward digital transition: regulation, interoperability, and fraud prevention 00:32:15 Tracking progress in reducing unbanked populations 00:32:16 Expanding on the concept of full financial inclusion 00:38:55 Kosta Peric’s reflections on 12 years at the Gates Foundation and his impact in Africa 00:41:20 How Kosta Peric’s success and influence have evolved over time 00:43:40 Economic and societal impacts of financial inclusion 00:48:40 Why businesses and enterprises should care 00:56:17 The Gates Foundation’s current priorities for advancing financial inclusion 01:01:00 Closing segment: next episode nominations Disclaimers: Visa Direct capability is enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.
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  Payments and the Rise of Agentic Commerce 18.08.2025 57m

  The mobile revolution of the 2000s didn’t just redefine the way we communicate, it fueled innovation, redefined industries, and transformed our lives in ways few could have predicted. Working in mobile at the time, Checkout.com CMO Rory O’Neill sensed a similar transformation was about to grip the payments industry – and made it his mission to become a part of it. In this episode, we speak to Rory about his journey from mobile tech to payments, and how the current wave of innovations are once again helping to shape the way the world lives and works. We’ll hear about the new challenges emerging in step with the rapid spread of ecommerce, and the work Checkout.com is doing to keep pace. We’ll also explore Rory’s vision for the future of agentic commerce — and what the industry must do to ensure no one is left behind.Disclaimers:Visa Direct capability is enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.
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  Colin & Samir Reflect on Life and the State of the Creator Economy 04.08.2025 1h 30m

  Back in 2011, Colin and Samir's decision to build a YouTube business creating Lacrosse videos seemed risky, baffling friends and family alike. But by building a loyal community and learning to monetize their content, they soon turned their passion into a thriving business, selling their Lacrosse Network in 2014. Their journey wasn’t without hurdles. Financial uncertainty gave way to creative doubts. All the while, Colin and Samir struggled to access support from banks that didn’t recognize creators as legitimate businesses. Fast forward to today, and Colin and Samir have found a new niche – and a new audience – as two of the most respective voices on the creator economy.In this episode, we speak to Colin and Samir about their inspiring rise and the lessons they’ve learned. We’ll hear how they built two successful ventures from scratch, we’ll learn the principles of building a creator business, and we’ll discover the importance of building an audience. We’ll also ask why creators face so many logistical challenges—and what the financial services industry can do to support them.Learn more about Visa Direct: visa.com/visadirectConnect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/Disclaimers:Visa Direct capability is enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.
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  How DailyPay Is Reshaping The Financial Lives Of Americans 21.07.2025 43m

  Money Travels Podcast Season 3, Episode 6 Since WWII, America’s two-week pay cycle has seen ordinary workers having to wait for their paycheque to pay their bills, put food on the table, and cover any expenses. With anywhere from 30-77% of Americans living paycheque to paycheque, this antiquated model has seen many go into debt, with others struggling to maintain healthy finances. Earned wage access has changed all that. Now, workers can access the money they have already earned whenever they want it. Leading this change is ⁠DailyPay⁠, whose platform of financial health products underpins its mission to improve financial wellness for ordinary workers. In today’s episode, DailyPay’s former Chief Commercial Officer Ryan Mang explains the innovations behind this transformation and the impact it's having on employees, employers, and the wider economy – both in America and beyond. Learn more about Visa Direct: visa.com/visadirect Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Chapters 00:00:00 Introduction to Ryan Mang 00:00:57 Welcome to Money Travels 00:01:20 What is on-demand pay and the purpose behind DailyPay 00:04:04 Problems with traditional pay schedules & the financial strain on employees 00:04:50 How DailyPay supports budgeting and financial literacy 00:06:30 DailyPay as a gateway to financial freedom & easing financial stress 00:08:40 On-demand pay as a new workplace standard 00:11:00 Why DailyPay emerged recently and the rise of real-time payments 00:13:45 The growing demand for speed and instant access in finance 00:16:30 Generational differences in using DailyPay 00:18:30 Expanding to global markets: UK pay schedules & challenges 00:21:10 Employee benefits, wage taxation & why past financial wellness efforts failed 00:24:48 Why competitors haven’t built their own solution 00:27:00 What makes DailyPay hard to replicate 00:29:25 Financial wellness as an economic driver & its evolving future 00:33:30 DailyPay’s future focus and user engagement strategy 00:37:40 Real user success story 00:39:38 What Ryan hopes DailyPay achieves in the next 10 years 00:41:20 Guest nomination for the next episode 00:43:05 Money Travels Outro Disclaimers: Visa Direct capability is enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.
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  Her Genius Plan to Solve Asia Cross-Border Trade Challenges 07.07.2025 35m

  Money Travels Podcast Season 3, Episode 5 In Asia’s fragmented payments landscape, cross-border trade can be challenging for small businesses. As CEO of the Emerging Payments Association Asia, Camilla Bullock is on a mission to change that. Using what she calls “the network effect”, Camilla brings together regulators, thought leaders, and innovators to find solutions to enable seamless cross-border payments and empower small businesses to trade more freely. In today’s episode, Camilla explains why data is both the key to progress and one of the biggest hurdles in payments, why diversity is essential for better innovation, and how an emerging technology could hold the key to unlocking smoother payments for businesses across the region. #MoneyTravels #MoneyTravelsPodcast #FinancePodcast #FinancialPodcast #Podcast #FintechPodcast #VisaDirect #MoneyMovement #MoveMoneyYourWay Learn more about Visa Direct: visa.com/visadirect Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Chapters 00:00:00 - Camilla Bullock Introduction 00:00:52 - Welcome to Money Travels 00:01:07 Overview of the Emerging Payments Association Asia (EPAA) 00:02:23 Navigating operational challenges in Asia’s fragmented market 00:03:02 The origin and purpose of the EPAA 00:04:15 Camilla Bullock’s career journey and professional transitions 00:05:29 Why Camilla Bullock has one of the most dynamic roles in payments 00:06:42 Navigating misconceptions and fragmentation in the Asian market 00:07:34 Challenges fragmentation poses for small businesses and consumers 00:08:45 Finding opportunity within fragmented systems 00:09:41 Balancing priorities: business, consumer, or government first? 00:10:24 The universal benefits of trade 00:12:00 Improving consumer outcomes and fostering a passionate payments community (PPP) 00:13:15 The missing voice of Treasurers in industry conversations 00:14:22 Camilla Bullock’s success in driving payments dialogue 00:15:41 The underrepresentation of the private sector in APAC 00:16:04 What motivates Camilla Bullock’s work 00:17:20 The role of innovation in becoming a PPP 00:18:00 Advancing gender equity in leadership across the payments industry 00:19:20 Promoting diversity in thought leadership 00:20:10 Collaborative efforts to address fragmentation across Asia 00:23:06 Can innovation in India scale across the region? 00:25:22 Common industry pain points in payments 00:28:28 The evolving landscape of cross-border payments 00:30:00 Key developments needed for the future of cross-border payments 00:33:40 - Next Guest Nomination 00:34:36 - Money Travels Outro Disclaimers: Visa Direct capability is enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.
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  His Brilliant Idea to Change Global Payments 23.06.2025 28m

  Money Travels Podcast Season 3, Episode 4 In March 2020, as the world braced for a global pandemic, Jaco Veldsman gave up his comfortable career in finance to go it alone with the launch of Paytron, the cross-border payments platform. Three years later, Paytron’s mission to transform global payments for its customers was turbo-charged with the company’s acquisition by global payments powerhouse OFX. Now Global Head of Non-FX Revenue at OFX, today’s guest Jaco shares his motivations for striking out alone, the customer challenges he’s working to solve, and how his thirst for innovation and desire to simplify payments for all still drive him to this day. #MoneyTravels #MoneyTravelsPodcast #FinancePodcast #FinancialPodcast #Podcast #FintechPodcast #VisaDirect #MoneyMovement #MoveMoneyYourWay Learn more about Visa Direct: visa.com/visadirect Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Chapters 00:00:00 - Jaco Veldsman Introduction 00:00:42 - Welcome to Money Travels 00:02:01 Why Paytron’s exit was a success and how the OFX acquisition unfolded 00:04:14 Solving key customer pain points in the payments process 00:06:19 The administrative burden of invoice payments 00:07:35 Strategic rationale behind the acquisition and how the OFX partnership formed 00:10:37 Benefits of the acquisition from OFX’s perspective 00:12:55 Post-acquisition impact on client and employee satisfaction 00:14:10 What motivates Jaco Veldsman to stay in the industry 00:15:02 Opportunities and challenges in Australia and the Asia-Pacific region 00:15:24 The “spiders and snakes” analogy explained 00:16:05 Debunking the myth of a homogeneous APAC market 00:17:08 The role of partnerships in addressing market complexity 00:19:14 Cross-border payments: business vs consumer needs 00:20:34 Emotional feedback from clients 00:22:02 What clients truly want from payments software and services 00:23:29 Is there demand for an “everything app” in finance? 00:24:39 Remaining challenges in streamlining global money movement 00:26:45 - Next Guest Nominations 00:27:57 - Money Travels Outro Disclaimers: Visa Direct capability is enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.