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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 Points
1. 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 Bogart

Resources 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


Currency Hedging with Shane Slater | E088
On today's episode we have Shane Slater, Corporate Currency Specialist from the FirmaFX. He will talk about foreign exchanges, how it impacts business owners and how you can do better than just taking what the bank or your credit card will give you and how that can materially change your margins sometimes, depending on how the better rate you are paying before. Episode Highlights: 1.15: Shane is a corporate currency specialist which means he helps SMEs who get exposed to international business and FX dealings on a regular daily business. 1.44: We are reducing the margins that the big banks are typically known for and providing services or advising when the rates may go in the company's favor and when there is an opportune time to do an exchange, says Shane. 2.18: There is one myth that when you convert 1 Canadian dollar to 80 Cents American or whatever currency, that does not mean you lost money. Getting less of one currency in exchange for a full unit of another is not a loss. That is just the exchange rate, says Jason. 4.09: The exchange which is in labor intensive and there is no material cost is quite excessive. You can get well under 1% depending on your volume and its better ease and convenience type situation, explains Shane. 4.26: The exchange rate is what it is, but if you are losing 3.5% on hundreds of thousands or millions of dollars each way from your profit that should be going to your pocket to reinvest in your business is not good. 5.33: On the minimum about $10,000 per transaction is a point where you are going to start saving 2 to $3 per transaction using a broker from FirmaFX, says Shane. 06.00: Shane talks about the challenge for business owners in international wire transfers and how he helps them with that. 7.01: Depending on the time zone we process outgoing wire process the same day or if not, the next business day. But in Australia and Europe it's hard do a same-day wire transfer because banking hours do change as per time zone, says Shane. 10.12: The currency hedging is the idea to guarantee you price point for at least some of your exchange so that you have the peace of mind of knowing exactly what you're going to pay or exactly what you're going to receive. 15.24: Jason explains that you don't have to be able to calculate all the stuff in hedging transactions because in principle the contracts are very straightforward for people. 16.22: There are times where exchanges are expensive. There are times where it's cheap, but in general, it's not just about how much you get in return but It's about how much you get in return compared to the basket, says Jason. 3 Key Points: 1. Shane talks about the costs associated to the consumer or the business owner when making a currency exchange. 2. Hedging is basically a process where you eliminate risks. Shane talks about what can be done to mitigate the risk of fluctuation of currency when you have business in one country, and you are delivering stuff in another country. 3. Hedging strategies change depending on every single client's position and need like what are your potential waters or what is your actual margins. If you're a tight margin business, Shane recommends hedging a good portion of your FX. Tweetable Quotes: - "We are able to save companies not just money, but time also that they can then put back into their business and doing what they do best and help them grill in a multiple of ways." - Shane - "Some businesses consider hedging like gambling, but it's the exact opposite. But the general concept is you are exposing yourself to sometimes millions of dollars throughout years on a FX rate and they are budgeting this FX rate for your currency exchange." - Shane - "If you have income in the US dollars and expenses are also in the US dollar, I prefer for natural hedging." - Jason Resources Mentioned: Facebook – Jason Pereira's Facebook LinkedIn – Jason Pereira's LinkedIn Shane Slater – LinkedIn | Website Full Transcript;

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Dayforce Wallet with Seth Ross | E220
On today’s episode of the Fintech Impact, Jason is going to talk to Seth Ross, General Manager for Dayforce Wallet and Consumer Services at Ceridian. Ceridian is one of the powerhouses of payroll worldwide, and Dayforce Wallet is a payroll tide banking and pays as you earn the platform. Episode Highlights: 0.46: Dayforce Wallet is just an incredible product for people, and everything we do is about empowering people. It is an app and a debit card. The app allows you to see how much you have earned at any given point in between your pay cycles, and the debit card will enable you to go and spend it, says Seth. 2.16: Seth talks about the genesis of Dayforce Wallet and the challenge and opportunity that Ceridian saw, and why it stood up to this kind of extension? 3.27: It was always in the mind of David, CEO of Ceridian, that having real-time visibility on payroll would ultimately not just end with making things more convenient for the payroll manager but bringing that to the end-user and allowing them to get paid on demand, explains Seth. 7.25: You are potentially the bank for some people, so talk to me about where you guys hope to take it from today, says Jason. 9.10: Visibility is an under appreciated benefit. If you never actually take your payment on-demand, just having visibility in a spotless and easy place is helpful for people as well, Seth. 10.30: As we progress into the pandemic, the labor market is so tight that companies everywhere see the need to get creative. They need to pull every tool in their arsenal to deliver a compelling value proposition to retain their existing employees and attract new ones, affirms Seth. 15.01: Five years from now, you won’t be the best employer to work for the list if you are not providing your employees with options and flexibility and how and when they get paid, says Seth. 16.37: One thing that Seths wants to be changed in our company is that we would have 100,000 clients instead of 5000 clients so that we could access more workers and bring this to more people. 18.01: Seth hears great stories every day about people saying I will be tight on cash and my kid had a game and needed new pair of basketball shoes, and having this product allowed me to tap a button and buy my kid a new pair of shoes. It is just really motivating, and that is what gets me up in the morning. 3 Key Points 1. We want to help individuals take control of their financial lives and avoid costly debt traps. We’re going to put a tool in the hands of employees that allows them to access earnings as they already earned at no fee, says Seth. 2. The relationship between earnings volatility and the desire to get paid as you go there has to be a correlation there, says Jason. 3. The payroll industry at its heart is pretty conservative because you have one job to make sure everybody gets paid and no one gets paid the wrong amount, says Seth. Tweetable Quotes - “We are all about making any day payday and giving average workers access to their earnings whenever they need it.” – Seth - “Looking at data, I am finding that the typical range on payday loans is between 100 to $1000, with the average being somewhere below the hundreds.” - Jason - “When you empower people, and you make them successful, companies that they work for will be more successful because they will have a more happy, engaged, and productive workforce.” - Seth - “We see that the adoption skews to the larger companies. Ceridian averages about 1000 employees per company for each client that we work with, and on Dayforce wallet, it is a bit higher.” - Seth Resources Mentioned: Facebook – Jason Pereira’s Facebook LinkedIn – Jason Pereira’s LinkedIn – Sponsor Seth Ross – Linkedin | Website

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Steve Taylor, CEO, BlueRush Inc.
BlueRush Inc. Filmed in July 2020

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RegTech, LawTech and the Future of Lawyers | Henri Arslanian | TEDxYerevan
Technology has had a transformative impact on our everyday lives, reshaping business as we know it. Yet the legal or regulatory industries have not fundamentally changed - at least not yet. This is about to change. The rise of LawTech and RegTech will not only transform centuries old professions, but may enable us to completely rethink and redesign the very basic concepts of trust, contracts and access to justice. Henri Arslanian is the PwC FinTech & RegTech Leader for China/Hong Kong and U.S. Liaison. He is also an Adjunct Associate Professor at the University of Hong Kong where he teaches graduate courses on Entrepreneurship in Finance as well as the first FinTech university course in Asia. Henri is a TEDx speaker with his last talk being the most watched FinTech video on YouTube. He is also a published author and is currently working on his next book to come out in early 2018. He also sits on the board of the FinTech Association of Hong Kong and the board of the International RegTech Association. He holds a Masters in Chinese Law from Tsinghua University; a joint Global Executive MBA from Columbia Business School, London Business School, and Hong Kong University; a Masters in Transnational Law from the University of Sherbrooke; and a Bachelor of Law from the University of Montreal (Dean’s List of Excellence). This talk was given at a TEDx event using the TED conference format but independently organized by a local community. Learn more at

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Martha Rogers: Customer Relationship Management (CRM) Strategy Expert and Keynote Speaker
Recognized for well over a decade as one of the leading authorities on customer-focused relationship management strategies, Dr. Martha Rogers is an acclaimed author, business strategist, and a founding partner of one of the world's premier customer-centered consultancies. Business 2.0 Magazine named Martha Rogers one of the nineteen "most important business gurus" of the past century. The World Technology Network cited her as "an innovator most likely to create visionary 'ripple effects'." Martha Rogers' counsel and insight are regularly sought by Fortune 500 and Blue Chip executives. Her experience in documenting customer value, and her expertise in applying "out-of-the-box" thinking makes Martha Rogers equally popular among the global media, engagement planners, event organizers, as well as corporate and association leaders who are eager to learn more about customer-centric concepts and methodologies. Martha Rogers' thought leadership and presentations routinely focus on the business issues that today's global enterprises are grappling with, while trying to maintain a competitive edge in their marketplace. These include: Balancing long- and short-term goals by managing customer value, building stronger customer relationships and customer experiences, what engagement, innovation and trust mean for the future viability of every business, how to cascade the changes needed in an organization to build the value that customers create, how to use increases in customer revenue and customer equity as the basis for compensation and reward, and why and how to overhaul your business model before your competition does it for you. Martha Rogers' (with Don Peppers) thinking is embodied in their book, Rules to Break & Laws to Follow. Named as the inaugural title to Microsoft's "Executive Leadership Series" this timely publication addresses the challenges of success in a world where networked customers and engaged employees may hold more power than the influence of your brand. The book further exposes the crisis of short-termism that is rampant in business today, Their book Return On Customers advanced these concepts documenting that the customer base is capable of driving a company's long-term economic worth. It climbed to the top 20 business books on Amazon, and was a top-ten best-seller. Fast Company named the book one of the 15 "most important reads" and cited the book again on their list of the 25 "Best Books" in business. An Adjunct Professor at the Fuqua School of Business at Duke University, Dr. Martha Rogers is the co-director of the Duke Center for Customer Relationship Management. She is widely published in academic and trade journals, including Harvard Business Review, Journal of Advertising Research, Journal of Public Policy and Marketing, and Journal of Applied Psychology. Martha Rogers has been named International Sales and Marketing Executives' "Educator of the Year." Dr. Rogers began her professional career as a copywriter and advertising executive, and earned her Ph.D. at the University of Tennessee as a Bickel fellow. More About Speaker, Martha Rogers . . . Among the other best-sellers authored by Don Peppers and Martha Rogers, their first—The One to One Future—was named by Inc. Magazine's editor, as "one of the 2 or 3 most important business books ever written" and is widely acknowledged as the bible of the customer strategy revolution. Enterprise One to One, received a 5-star rating from the Wall Street Journal. One to One B2B made the New York Times business best-seller list within a month of its publication. Martha Rogers and Don Peppers' books have sold well over a million copies and appear in a total of 18 languages. Dr. Martha Rogers has also led several large subscription-based research studies focusing on particular aspects of CRM. She serves on the Board of Directors for ClickSquared and eGlue. To hire Martha Rogers to speak to your organization, contact BigSpeak Speakers Bureau. For information about BigSpeak,

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What is ERP software
A brief introduction about ERP software and how it helps control information and the flow of information across your enterprise. Visit us for more information -

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Namesilo Technologies (URL - CSE) Interview with CEO Kristaps Ronka and President Paul Andreola

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Canada/US Cross - Border Planning Revisited with Terry Ritchie | E089
Today we have Terry Ritchie. Terry is a vice president and partner at Cardinal Point Capital and Cardinal Point Wealth Management, a cross-border or ICPM firm specializing in the cross-border space. As the US federal tax base and Canadian integrated rates are higher, most clients with decent income will have more foreign tax rates in the US than they can use up. Episode Highlights: 1.17: Terry is a partner in Cardinal Point Capital, the Canadian entity, and Cardinal Point Wealth, which is on the US side. They are the largest cross-border wealth management firm in Canada and the US. 1.41: Terry’s responsibility as one of the private wealth managers is to work with typically private clients and individuals with cross-border issues. 4.29: In Canada, if you die and do not leave things to your spouse, you must pay all reliable due taxes. Whereas in the US, it's not the same. 5.08: In the US, most of the folks who in prior years would have been exposed to the significant estate tax are now off the rules because the tax exemptions have crept up over the years. 6.33: Terry have had situations where you look at clients and say, are you better off from an income tax perspective dying in Canada or the US, or what can you do? 10.47: If the worldwide estate of the decedent is less than $12.06 million US, there will be no estate tax. But getting to that result is difficult because the transfer agent or the compliance officers will say we are not going to distribute the shares until we get a clearance letter from the IRS, which takes a long time. 13.51: Whenever you are over the $60,000 threshold, that's your barometer in the US to determine whether you are filing a requirement. There may not be a state tax at the end of the day, but there may be a requirement to file, says Terry. 15.37: The closest counterpart to the tax-free savings account in Canada from the US perspective would be a Roth IRA. 17.46: Some relief was provided in March 2020 through the revenue procedure that said RESP and RDSP do not have to go through these 35-20 or 30-20 filing requirements but did not speak about TFSA. 21.03: Framing taxes as a cost-benefit is a way to get around where the breaking point is or where the client wants to make the call for assets, says Jason. 26.43: If you are an American Canadian and you have got some property, and if there may be some tactics closure on the US side or you remotely cell it, it's good to keep track of any improvements and receipts when you did it. 28.09: If you are a Canadian going down and buying property in the US and you are going to be using it for personal purposes, there is no income tax implication on that property until you ultimately become an Angel. 29.15: We often recommend that when you write a cheque for the purchase of joint property and work with the title company officer or agency, good two cheques in half from both the purchasers, says Terry. 32.09: We need to think from the IRS and CRA perspective that there is going to be withholding tax requirement that could come into play here when a Canadian ultimately sells their property, and that process can be very, very timely, says Terry. 35.45: People say that as an American living in Canada, you shouldn't have anything like a mutual fund or ETFs other than securities because it is a tax burden. Terry talks about the reasoning for that and how that is dealt with. 38.15: There are a bunch of rules in Canada taxes and a bunch of rules in the US and there are your tiny little document deals with cross-border issues like couple tax treaty. But there are a million and one different ways these two things don't line up, and it's open to debate, says Jason. 39.29: CRA makes life far more miserable for clients and taxpayers than the IRS, whatever could ever be. 3 Key Points: 1. If nothing changes on the gift and state rules and other tax rules that were put into play here, from the end of 2025 to the beginning of 2026, the estate and gift tax exemptions and income tax rates will go back to what they were ten years ago, says Terry. 2. Terry talks about the fact that Canadian citizens who never have been American could also find themselves on the subject of the US estate tax. 3. Some people decide to go to Florida, Arizona, or wherever and want to buy a place. Terry explains what should they be concerned about, and what are the best practices to do that? Tweetable Quotes: - “People don’t realize that assets are not just stock. It can also be Canadian-based mutual funds and ETFs that qualify as US assets.” – Jason - “Sometimes, it may make sense to hold assets on a joint base and then have transferred death deeds after that.” – Terry Resources Mentioned Facebook – Jason Pereira’s Facebook LinkedIn – Jason Pereira’s LinkedIn Terry Ritchie - [email protected] Full Transcript;

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What's next for VPN Technologies Inc?
VPN Technologies provides secure, premium VPN servers across the globe.

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Fixing the rot in our healthcare system: Bill Tatham at TEDxUW When you walk onto campus at the University of Waterloo, one of the first buildings you'll come across is the William M. Tatham Centre for Co-operative Education and Career Action. It's no surprise, then, that Bill Tatham -- as he's known to his friends -- is a UW grad, and even less of a surprise that he's been a very busy man since his graduation. In 1990, Bill took his knowledge and experience and founded Janna Systems in his basement. Only ten years later, he had built the company into a billion dollar business as a leader in enterprise Customer Relationship Management (CRM) software for the financial services industry. After selling the company and waiting out the non-compete period Bill got back in the game by founding "the next Janna", NexJ Systems Inc., which has quickly become one of the fastest growing companies in the world and his company has again taken a leadership position providing cloud-based CRM for multiple industries. Bill's interests and passions extend outside of the business world as well, as he serves on the boards of the University of Waterloo, the Rotman School of Management at the University of Toronto, and the Michener Institute, as well as the North York General Hospital and Woodstock General Hospital. He's a passionate advocate for co-op education, noting that he likely could not have afforded a university education without it and that co-op gave him the experience and skills he needed to make the most of his opportunities. What's the next opportunity? Bill thinks it's healthcare, and he thinks NexJ is standing right at the edge, ready to make the leap. "What we did for banks 10 years ago, healthcare doesn't know how to do at all," he says. Tatham believes that with demographic changes and emerging economies, the healthcare industry is reaching a critical stage, and he believes he's ready for the opportunity. -- In the spirit of ideas worth spreading, TEDx is a program of local, self-organized events that bring people together to share a TED-like experience. At a TEDx event, TEDTalks video and live speakers combine to spark deep discussion and connection in a small group. These local, self-organized events are branded TEDx, where x = independently organized TED event. The TED Conference provides general guidance for the TEDx program, but individual TEDx events are self-organized.* (*Subject to certain rules and regulations)

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InShare with Mark Warnquist | E231
Jason Pereira talks to Mark Warnquist, CEO of InShare - an insurance tech that focuses on distributing protection solutions to the on-demand economy to lift the gig workers of the world. Mark talks about the early challenges that he had faced with the insurance companies. Episode Highlights: 0.50: With InShare, we set out to do something better and move faster than incumbents and build solutions that benefit and help the on-demand economy, grow and protect the gig workers on whom the on-demand economy largely depends, explains Mark. 1.35: Mark says that they have found themselves in a space where there weren't insurance products. They had to build it themselves. Episodic insurance, and incumbent insurance carriers were certainly not used to this market. 2.21: Mark has seen a lot of the maturation curve that the other carriers and platform companies are going to go through. So they have decided to build something special and do it differently than others. 6.59: There are some standards to be a driver on any of these platforms. You have to pass certain tests, and they will check your motor vehicle record, your background, and all those sorts of things, says Mark. 7.30: Mark talks about method of distribution. He tells the listeners whether he is still right downs to the end-user level, or is that still in the works, or is it largely more fleet-based? 8.16: Jason asks, some insurance companies have added dongles that plug into your utility board to collect information. How are you collecting the information? 9.14: If a newer company does not have an app that allows for collecting information, we can provide that form. If they are not collecting telematics, we can do an SDK integration and pull the telematics out of that, says Mark. 10.43: We need to be very mindful as we deploy and talk with platform companies about the products, like how you deploy the products to do the right thing for gig workers in a way that will not destroy your operating model, says Mark. 12.03: Mark explains how does he deal with the gig economy worker or gig economy driver working for multiple companies? Is there an overlap, or does he profile them? 14.50: We need to know a certain tech component to the underwriting, which is very important. The burrito in the back versus the passenger in the back is a very different exposure, says Mark. 17.14: The more that we can learn today is going to position us not just in today's sharing economy but tomorrow. 18.10: The property sharing space is the other area where data and the same principles can be brought to bear, and that's in our road map for 2023 and beyond, says Mark. 19.12: Mark is engaged with several entities, and one of them is a leader in the United States in terms of attracting and retaining gig workers. They are a terrific opportunity for Mark to partner with them to bring solutions to that space, exactly to TaskRabbit space. 21.32: The United States has the greatest protection gaps than any developed country with gig workers. 22.51: We have to have insurance companies trust us, give us authority, give us the pen to rate their balance sheets, and that takes a great team. We are doing it, and that's been a challenge, says Mark 25.09: You can't spend any time at Uber and deal with hundreds of gig workers, hear their stories, and not feel for them. There is a big gap in that, and we are in a place where we can help solve that, and that feels good, explained Mark. 3 Key Points 1. Uber and Lyft bought the insurance of need, and still, these are the insurances that cover the drivers, passengers, and third parties during each period. 2. Mark explains how did he face and overcame the challenge of underwriting with so many tiny little contracts and doing so without putting himself in a bad spot. 3. There is no substitute for having world-class talent because it's the only way to get anything done. Tweetable Quotes - "The law of large numbers in the insurance world says that if I offered to everybody or a specific target niche, I could figure out, on average, the risk." – Jason - "In the next phase, we will be entering and bringing more discreet telematics solutions to this space so that if I'm the great driver and I'm the less than great driver, you're not subsidizing." - Mark - "The insurance protections extend if you were on dispatch or that you were working on the provider platform and not on another platform." – Mark - "The opportunities are there, and we have to be smart about prioritization like any company, but the market pulls huge, and I just wish we could move faster." - Mark Resources Mentioned: Facebook – Jason Pereira's Facebook LinkedIn – Jason Pereira's LinkedIn – Sponsor LinkedIn – Jason Pereira's LinkedIn Mark Warnquist – Linkedin | Website

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Loop with Cato Pastoll | E229
Jason Pereira talks to Cato Pastoll, CEO of Loop, to discuss Loop's platform and how it helps companies operating as Canadian businesses get access to banking services in another market. Episode Highlights: 0.43: Loop is an online banking and payment platform. They help companies that are operating as Canadian businesses to get access to banking services in another market. 1.17: Cato was originally focused on landing and getting international banking. He talks about the impetus for identifying the opportunity in international banking and the struggle that was there. 2.20: During the pandemic, companies started going online and launching their products and services in the US, but they don't have a US bank account, and that means that they are losing as much as 5% in foreign exchange fees. 3.10: When you transfer money back to Canada, and your money gets converted from USD to Canadian dollars, the bank does it at its super unfavorable exchange rate. 4.33: Cato says that they help companies get access to local banking in different markets. 5.40: Cato says that they have a branded card product which is the Master branded card, and what's unique about it is that it is a multi-currency card, and with a multi-currency card, not only are there no fees, but there is no conversion either. 7.46: Cato explains that they have been able to automate the account opening process in terms of customer verification, ID collection, and all that type of stuff required to verify customers. 9.33: Cato says that they save companies time because we offer all things in one platform, and that is easy to use. We save the money because we give it all this way for free. 10.44: Customers are delighted, specifically because they are saving a huge amount of money on every dollar they are spending in non-Canadian currencies. 11.19: We can help companies manage their business in the jurisdiction without dealing with all the people and ongoing annual filings. That is a huge impetus for them to expand their business across borders, says Cato. 12.09: Cato made it easier to deal with a major problem before allowing for potential companies to expand into a jurisdiction without the burden. 12.44: Working capital is a big thing for online businesses and e-commerce brands because you are buying inventory now and waiting for 16 to 90 days for that inventory to arrive. 13.20: With our card, you get 55 days of interest-free spending when you spend money on the card. We offer the first 55 days of working capital that you have for zero cost as a merchant, says Cato. 15.21: It's not like we are giving you anything for no cost, but giving it to you for no cost means that you can use our product in the finance network and capital gap and save a lot of money, says Cato. 16.38: At the end of the day, our goal is to solve companies' financial pain points. We are going to build meaningful, lasting relationships with companies and want them to stick around and use our products for a not short period but the long term, says Cato. 18.24: There are lots and lots of companies doing business across borders. There is no reason they should be able to access the same or better quality making services in other markets as they do back home domestically. 19.08: There is way too much of a structural gap between the capital that small companies can access and large companies can access, and that's driven by an efficiency more than a risk equation. 23.06: Cato is not able to take any credit away from the founder of the business because they are 100% responsible for their own success, but the impact we were able to have by supporting them when nobody else would is a really exciting thing that kept him going every day. 3 Key Points 1. There are now banks in the US that will open accounts for non-US residents, and the way that we do that is we are helping facilitate all the KYC and KYP processes required to onboard customers. 2. Companies have loved the loop product so far. We have had people posting status recently on Twitter and social media accounts talking about how much money they are saving with Loop versus their bank cards that they were using before. 3. There are many acquirers or merchants, and processors who will help you collect money in different currencies by charging your customers in different currencies. Tweetable Quotes - "We are helping simplify the process and operations of managing your business across borders." – Cato - "We have the ability to make domestic supplier payments through the exchange network, which is other countries' local payment rails." – Cato - "We really want to demonstrate a lot of value to customers in this segment by giving them embedded value in our products from the get-go well." - Cato Resources Mentioned: Facebook – Jason Pereira's Facebook LinkedIn – Jason Pereira's LinkedIn – Sponsor

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Customer Relationship Management (CRM)
Overviews and explains what CRM means and its importance to marketers.

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Physis with Stefania Di Bartolomeo | E227
Jason talks to Stefania DiBartolomeo, Founder & CEO of Physis Investments. This investment is an ESG and impact investing platform for reporting sustainability amongst companies. Episode Highlights: 02:04: Stefania says what do people know about the impact their money is making on the planet when they start investing? Not much. This is where we came in. We help people understand the impacts of their investment. Since the day of the first investment. How many jobs have I created? How much water or plastic they have recycled by investing in the companies that have invested in them. How many women were hired or how many women made it to management positions or to accepted positions? Or what type of products the company they have invested in have created to make this world a better place? 02:41: Many more questions like this are answered by the device's platform. So we built a platform to flip the narrative or portfolios to create a detailed analysis of what you can do once you start investing, especially if you are a sustainable minded Investor, says Stefania. 08:50: It's really important to Stefania that everyone else in the sustainable space is providing ESG scores saying that Nike has a score of 90 out of 100 and Adidas has a score of 70 out of 100. We deep dive into the meaning of that score and data behind that score. 10:53: You are able to see how this portfolio is doing compared to a benchmark. You can see how this is also improved over time or as improved based on specific investment decisions that you have made overtime, or the financial advisor has made. 11:21: We can also go as granular as really going deep down in saying if you have invested in Apple, the new iPhone has over 40% recycled. If you are investing in Nike I mentioned before, Nike owns Converse and every single pair of Converse is made with eleven plastic bottles, recycled from the ocean, says Stefania. 14:02: The second thing is that most companies are starting to report according to specific sustainable reporting frameworks like the GRI, a Global reporting initiative that's really helpful for us, but this is not enough. 16:10: Thanks to Physis data. We are a platform that is the life of financial advisors in their day-to-day life. They can input any portfolio in the platform, and become aware of the impact, provide this disclosure to their clients with a customized report, but they can also have access to tools and functionality to build a better portfolio. 19:15: We divide the sustainable data under the ESG so they can see ESG scores. There are previous theories to Physis, they can deep dive into the impact of every investment, how much wind energy was generated by this investment we're able to say that or they want to probably check information regarding the amount of plastic that was recycled when it came in the portfolio. 3 Key Points 1. Stefania explains that they have automated this data collection for over 10,000 companies worldwide. Then we process data quality checks with emails, algorithms that are assessed by the company over a six years of historical data and by peer valuation. This means that if we take the suit, two emissions or one company we evaluate this youth group mission based on six years of historical data. We compare this by their level of production or revenue and then we evaluate how well they're doing compared to peer analysis. 2. Measuring how a manager or measuring how an index or whatever it is you are using to execute on this, how it's doing not just beyond the current score of like, hey, it's scores 96% in terms of how clean it is compared to everything else. But actually, the windshield down to water usage, labor issues, carbon emissions, like being able to measure the cumulative impact of that overtime and how that ticket you can measure that, you can track when it starts to deviate. 3. The first thing an investor wants to do is sign up, once you sign up, they can start using functionalities as we have called look up so they can just type the ticker of the of or an icing of any security. It can be a portfolio of funds; it can be a single company. Tweetable Quotes - "I wanted to start really when I was in college, and I was studying portfolio management and I started feeling disconnected from older classical investments because they had one goal in mind to make more money and I felt the need to add extra factors to just the financial performance." - Stefania - "When I started doing sustainable investing, the data was not available. I could not have built Physis 10 years ago, nor five years ago, but now we have the right technology and the right data available out there to make sure that people have this immersive and tangible investment experience." – Stefania Resources Mentioned: Facebook – Jason Pereira's Facebook LinkedIn – Jason Pereira's LinkedIn – Sponsor

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Flybits with Gerti Dervishi | E230
Jason Pereira talks to Gerti Dervishi, Chief Growth officer for Flybits. The company helps financial institutions utilize the context of clients, individual situations, geography, and other factors that help serve up better next recommendations. Episode Highlights: 1.08: Flybits the company is rooted in R&D. For many years, the research group built a lot of intellectual property and patterns behind the technology that continues to partner with academic institutions to move forward the agenda of innovation. 03:42: There are so much data that you are regularly giving to a person who makes decisions to look for things you are replicating before they get to the conclusion, says Jason. 04:15: Gerti's company is very heavily rooted in research, and they bring all data together, which is no small challenge. 04:40: One extremely important thing is that you have to do things in a privacy-preserving way to deliver services, says Gerti. 05:01: We do tokenization not only for extremely important privacy-preserving but also for security purposes, Gerti. 05:38: There are a lot of talks out there, and a lot of expenditures have been done in terms of building data lakes, but we don't fully believe in data lakes, and we think that those are expensive and they expose you to more security problems, Gerti. 07:20: The expectation will create a couple of things like better alignment between the brand and the consumer in terms of the trust factor. It will also create a need for all the brands or the potential institutions to catch up with the leaders. 08:27: The one thing we do when we partner with the customer or financial institution is we almost act like an extension of their innovation team, says Gerti. 10.08: Gerti says that they have a unique way of how the data should talk to each other without being collocated. They also have several purposes for deciding the organization itself based on the different systems that may have in place. 11.20: Gerti has reached a point where experiences are more important than the products themselves. 12:23: Gerti explains some of the most popular use cases from the consumer angle. 12:30: The card is a very big driver in our business. Consumers are particularly driven to that product in terms of spend, rewards, and offers because it's a product they probably interact most with, says Gerti. 13:24: Mortgages are a very big deal, but we see unique here is that thanks to some of the functionality that we bring in terms of how we create the different datasets, says Gerti. 14:59: With the customers that we have worked with, they have seen some significant results with us, and we have been able to expand across the board, across products, across properties, and so on, says Gerti. 17:05: We have created a set of utilities and tools very quickly and existing mobile applications that can be empowered with a recommendation system, explains Gerti. 19:11: On the channel side, one of the biggest things right now in the market is the metaverse, and it is another channel that we are going to be interacting with, says Gerti. 20:47: Some of the different sorts of business models that financial institutions could create should be around their strength, says Gerti. 21:35: Gerti would have made a direct consumer offering about tailoring their experience around themselves with their institutions. 22:22: Gerti has a B2B and B2C company with the DNA of R&D, and the biggest challenge has been trying to bring some of that sales type of extension to the company. 3 Key Points 1. Gerti says that they are primarily focused on financial services, including insurance and banks, but they are an experienced design and delivery platform that makes the organization's personalization ready from data to the customer experience. 2. We see more and more the creation of data alliances where multiple different essentially verticals converge into a financial transaction or outcome, says Gerti. 3. Gerti explains how he brings a variety of products and creates a customer-centric rather than a product-centric approach where a multitude of different parts of financial services will cater to improve the overall financial status is important. Tweetable Quotes - "We bring together the internal knowledge of an institution and how you bring that with external components." – Gerti - "You started probably taking a bunch of standard datasets that you expect, so what products do they have like geographic location and all." – Jason - "From a technology perspective, we are about to see some significant improvements and leaps in terms of customer experiences, which drives me." - Gerti Resources Mentioned: Facebook – Jason Pereira's Facebook LinkedIn – Jason Pereira's LinkedIn – Sponsor LinkedIn – Jason Pereira's LinkedIn Podcast Editing

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Liveflow with Anita Koimur | E226
On today’s episode of the Fintech Impact, Jason Pereira is going to talk to Anita Koimur. CEO and Co-founder of Liveflow. Liveflow is an online platform that pulls data into Google Sheets from various accounting software to allow and enable different workflows and processes more efficiently than currently can be done within that native software. Episode Highlights: 1.10: When Anita did her research before starting the company, she realized that businesses fail in 82% of cases because of poor cash flow. So she decided to build a platform that would bring clarity to businesses and empower them with real-time data to make better business decisions. 2.28: After joining Unicorn in the UK, Anita had the chance to build the team from zero to one and then commercialize the product and define the go-to market strategy and that was where she met her future co-founder. 3.42: It's amusing and bizarre that the balance sheet and income statement are the first things up there in the accounting world, and most accounts don't even prepare a cash flow statement because they do what they're supposed to do, says Jason. 5.10: A business owner would have multiple spreadsheets, and it's just a nightmare to organize them into a single place, especially if it's Excel, and we just wanted to help them automate everything, says Anita. 8.15: The very first group of people with our solution found that they can connect to multiple companies in one go and pipe all this data in the same sheet from several sheets in real-time without building any custom dashboards again. So that was a significant achievement of ours, says Anita. 12.20: People ask us to integrate the chart platforms, but it's not something very close yet, because we do want to be a financial platform first, and that's something that we can consider going forward, explains Anita. 15.51: We are very open-minded, and we always say if you have any idea, please submit it because apart from you, there might be like 100 other people wanting the same idea, which will help us prioritize what to release next, says Anita. 19.46: The whole world is moving toward transparency, and Anita thinks the apps should think about bringing business. She wants more connectivity of apps because some don't allow them to pull the data inspector. 20.36: Hiring people very fast is one of the biggest challenges that are not truly sold to startups. The most important part is to be a match on the culture fit, not necessarily 100% of the skill fit. 22.41: As per Anita customer feedback drives her insanely every day because it helps them to shape something that they have today that people love and all of these hurdles that they have been through really helped them to do something that makes sense. 3 Key Points 1. Banks are not well synchronized with accounting platforms. Accountants, CFO, and business owners often need to collaborate on banking data, and it's very tiresome to switch between the banks, says Anita. 2. People still use budgeting and QuickBooks and set it up with their mouse, which is not as convenient as Google Sheets for the keyboard. They want it to be there, and they cannot switch to Google Sheets and their budgets overnight. 3. With Liveflow, you connect to your QuickBooks account or multiple accounts as an accountant, and you pipe all these standard reports in different tabs in your Google Sheets. Tweetable Quotes - “We are building a fundamentally new category of software. We sit at the intersection of SAAS, accounting, banking, business analytics, and collaboration.” – Anita - “You can have as many options as people on earth, and you cannot build something that fits everyone in terms of like dashboards that would execute the job they want.” - Anita - “I love our users and customers because they are very creative people. They tell us what they want, which is amazing, but we are limited, and sometimes we cannot do that.” – Anita Resources Mentioned: Facebook – Jason Pereira’s Facebook LinkedIn – Jason Pereira’s LinkedIn – Sponsor LinkedIn – Jason Pereira’s LinkedIn Podcast Editing

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Get food delivery and groceries delivered in an hour at your doorstep
Sudden hunger pains, late night cravings or even lunch in between meetings? Now you can get anything delivered. From fresh groceries to food delivery, corner store items to packages, we can get anything delivered to your home with the tap of a button. Can't find the store you're looking for in our list of stores? With our ‘Get Anything” feature, you can pick up or purchase items from the store of your choice and get it delivered. It’s that simple! It's the one app you need for all your food delivery! When you want it from any store to your door, just ParcelPal it. Tag and brag: Facebook - Twitter - Instagram -

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How to Plan a CRM Project - CRM strategy planning advice from a UK consultancy partner
How do you get started with customer relationship management? Here are 11 tips to plan a CRM strategy and avoid the pitfalls. Preact are a specialist CRM partner based in the UK since 1993 working with Microsoft Dynamics CRM and ACT! offering professional services for implementation, support help and advice. Contact us at to find out more.

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ReadyWhen with Jessie Vaid | E228
Jason Pereira speaks with Jessie Vaid, the creator, and CEO of ReadyWhen. ReadyWhen is a digital legacy manager that assists you in putting all of your essential information in one place so that when the worst comes, your family will have a head start in settling your affairs, as well as other kinds of beneficial tools and use cases while you are still living. Episode Highlights: 01:30: Building this solution was to be able to provide peace of mind for your loved ones and your executors when you pass away. 01:52: When we talk about all your asset information, all your legal documents. Health information that may be required. Your digital footprint today and most importantly, shared with the individuals that would need that information upon your passing. 04:21: Jessie has been providing legal documentation from estate planning to real estate documents since 2004. Her background is a notary public in British Columbia. In British Columbia, what we do is we practice a facet of law that is primarily focused on real estate transactions and also estate planning. 08:48: Jessie thinks we have learned a lot in the last almost two years now. We identified some of the pitfalls and issues of building and providing a solution. Once we got the product to market, the feedback was very consistent amongst professionals. 09:13: Jessie says that their business model is B2B and B2C. They do not try to sell, you know, one license at a time. They have that option through our website. But they know that they need to get to the large corporations. Jessie needs to get the MG's and they need to get the buying from the professionals until they become that whole sold name within Canada. 09:50: Once we started getting the product out to educate the professionals on our solution, it was very consistent in helping them understand the value of this product. Especially someone that has been through the process of being an executor. We can provide you a solution with everything there, says Jessie. 13:13: We have also purchased with our software a product through Salesforce which is called marketing cloud and it really nudges you in the right direction. In our software we do not get to see the information that you have uploaded, but we know what things you filled in and what things you haven't filled out, says Jessie. 13:15: If you have many team members, we want to nudge you to add your executor to it, we want you to add your spouse to it. We also have a feature called Ready mode and Ready mode is after you pass away, the information that someone would need. Which would include things like Funeral arrangements, immediate actions, etc, says Jessie. 14:13: It also includes the ability to leave notes to loved ones, pictures to loved ones, and also videos to love ones. It also provides with having that ability to have that final message that taped in and released only upon your passing to your children or to your spouse. 15:30: Everything is digital. What about all your digital accounts that you may have? What about your rewards points? What about those Aeroplan points? What about those credit card rewards points if you don't use them or if you don't transfer them? They are just going to disappear. 18:53: With Prosper by sunlight, not only on them getting their product out to market, but then being an integral part of that solution. What the offering currently is as you register for prosper by sunlight, which is a free tool, you will receive a ready account which has a $50 value attributed to it. 23:03: The reality is if you are not there for the hardest times of the client's life, you are not earning it. 3 Key Points 1. In 2020 is when we. got the prototype built and in late 2020 is when we actually released our MVP. In 2021 we were primarily getting the word out and getting users into this system, says Jessie. 2. Jessie explains what kind of features they have applied to the software to enable it to serve its purpose beyond that of just a basic document storage. 3. Prosper by sunlight is a new digital platform that they have released whereby they are focusing on the individual that wants a hybrid digital solution, also being able to speak to an advisor and get guidance and direction from the real life person on the other side. This solution focuses on wealth insurance and Wellness. Tweetable Quotes - "I have been doing this for almost 20 years, you would be amazed at how much information is not being shared between partners and not because they don't want to share it, but they're just so busy." – Jessie - "We wanted to build a solution, to provide Canadians peace of mind knowing that if you pass away, everything would be in one central location and I think that is the motif of what we did." – Jessie -"Our goal now is to really work on ensuring that the information is easily flowing into ready when." -Jessie Resources Mentioned: Facebook –Jason Pereira's Facebook LinkedIn –Jason Pereira's LinkedIn –Sponsor

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CRM Customer Relationship Management) Software Introduction
Info Level: Beginner Presenter: Eli the Computer Guy Date Created: May 28, 2013 Length of Class: 30:44 Research Assistance: Tracks Productivity Prerequisites None Purpose of Class This class introduces students to CRM Software and explains why Customer Relationship Management Software is so important. Class Notes CRM means "Customer Relationship Management" What is CRM Software Used For? Sales -- Keep track of leads so that is easier to close sales Help Desk -- Keep track of work orders Projects -- Keep track of people and requirements for a project CRM Software allows managers to track employees and provides metrics that can be used in decisions pertaining to resource allocation. CRM vs. Project Management Software -- Project Management Software is generally more targeted to large projects such as Construction or Large Scale Migrations. Hosted vs. Self Hosted -- There are benefits and drawbacks to both. The ability to Sync with Outlook and SmartPhones is a useful ability Reminder Notification Options (Email) make sure you don't forget a task Fees for CRM Software can range wildly. make sure you understand what you are paying for. Do Your Research Well... Migration is HELL Assessing Cost -- Remember that the value of a CRM System is IN the Data NOT the software itself. A CRM may become the most valuable asset of a company. Corrections Lab Setup Used in Demonstration N/A Study Guide Resources

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