Hey everyone, Julie here. Welcome back to another episode of the FinTech OG Season 2. Today I had the pleasure of sitting down with Tom Brown of NYCA and Ed Woodford of ZeroHash. In this episode, we get a front row seat to the evolution of fintech from Tom's early days at Visa, where he played a key role in its IPO, and Ed shares his entrepreneurial journey and how it led to him founding Zerohash. We talk about how financial services are evolving into what Tom calls next gen financial services, and the challenges like regulatory roadblocks and identity security and celebrate wins like how Tap to Pay has transformed payments and earned wage access has cut down on overdraft fees. They also share some personal stories about career highs and lows, favorite books, and even some fun quirks that they each have. Let's dive in. Huge thanks to ⁠⁠CapitalOS and ⁠⁠Prism Data⁠⁠ for sponsoring this week's episode! With CapitalOS, platforms can launch best-in-class spend management within days without the headache of managing compliance, risk, or bank relationships. Visit their website at CapitalOS.com to learn more. If you're looking for a way to say ‘yes’ to more customers without taking on additional risk and lend more profitably without sacrificing growth, be sure to check out Prism Data. Cash flow underwriting is a game changer in consumer lending, and Prism Data is the modern analytics provider that makes it possible.

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