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Appetite for Disruption: The Business and Regulation of FinTech

Updated 2 days ago

Business
Technology
Investing
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Many opportunities and challenges are at the intersection of technology and financial services. And FinTech itself is rapidly evolving as businesses continuously innovate and new ideas come from unexpected places. At the same time, government regulators are trying to keep pace. Troy A. Paredes and Lee A. Schneider explore this disruption by engaging the leaders who are changing what FinTech is and how we think about it. In this biweekly podcast, Troy, former SEC Commissioner and founder of Paredes Strategies LLC, and Lee, general counsel at Block.one and co-founder of Genesis Block, LLC, discuss today’s –and tomorrow’s – exciting and impactful FinTech topics. With their guests, they explore business and regulatory developments and technology trends, giving listeners new perspectives to take back to Main Street, the Hill, Wall Street, and the boardroom.

Read more

Many opportunities and challenges are at the intersection of technology and financial services. And FinTech itself is rapidly evolving as businesses continuously innovate and new ideas come from unexpected places. At the same time, government regulators are trying to keep pace. Troy A. Paredes and Lee A. Schneider explore this disruption by engaging the leaders who are changing what FinTech is and how we think about it. In this biweekly podcast, Troy, former SEC Commissioner and founder of Paredes Strategies LLC, and Lee, general counsel at Block.one and co-founder of Genesis Block, LLC, discuss today’s –and tomorrow’s – exciting and impactful FinTech topics. With their guests, they explore business and regulatory developments and technology trends, giving listeners new perspectives to take back to Main Street, the Hill, Wall Street, and the boardroom.

iTunes Ratings

19 Ratings
Average Ratings
17
1
1
0
0

Always insightful, to say the least

By Santo10019 - Dec 05 2019
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Terrific job Lee and Troy, one of the best podcasts out there

Awesome Troy, Lee & guests

By Krish Amd - Jul 13 2019
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I really enjoy how they prepare and ask questions. High quality podcast. I would like to listen more about the use of Artificial Intelligence and digital assets in overall economy. Excellent work!

iTunes Ratings

19 Ratings
Average Ratings
17
1
1
0
0

Always insightful, to say the least

By Santo10019 - Dec 05 2019
Read more
Terrific job Lee and Troy, one of the best podcasts out there

Awesome Troy, Lee & guests

By Krish Amd - Jul 13 2019
Read more
I really enjoy how they prepare and ask questions. High quality podcast. I would like to listen more about the use of Artificial Intelligence and digital assets in overall economy. Excellent work!
Cover image of Appetite for Disruption:  The Business and Regulation of FinTech

Appetite for Disruption: The Business and Regulation of FinTech

Latest release on Sep 14, 2020

The Best Episodes Ranked Using User Listens

Updated by OwlTail 2 days ago

Rank #1: Chronicled, Part 1 - Blockchain Begins ... What's Yet to Come?

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Blockchain is about much more than Bitcoin. Blockchain not only makes cryptocurrencies possible. Blockchain also makes it possible to move priceless artwork from one owner to another, securely deliver collectible sneakers from sellers to buyers, and monitor prescription pharmaceuticals as they're shipped around the country. And that's just the beginning for blockchain.

In the most recent episode of Appetite for Disruption, Samantha Radocchia, co-founder of Chronicled and a Forbes 30 Under 30 in 2017, joins Troy and Lee to discus how blockchain will affect our lives.

Feb 05 2018

26mins

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Rank #2: Melissa Netram, LabCFTC, Part 1: What a Regulator Thinks About Innovation

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Melissa Netram heads LabCFTC, an office within the U.S. Commodity Futures Trading Commission charged with understanding FinTech innovation and interfacing with the creators of new products and services.  She comes to the job with significant experience in regulatory policy around tech from her time in the private sector and previous government roles.  In leading LabCFTC, Melissa both educates and innovates, seeking the right balance between regulatory requirements and moving technology forward.  Consider signing up for LabCFTC’s office hours and meeting with her and her team as you move your project forward!  COVID-19:  Our hearts go out to everyone impacted by the virus, and we applaud the workers on the front lines as they strive to bring the world through this troubling time.

May 19 2020

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Rank #3: Naval Ravikant Part 1: Business Plus Science Equals Technology

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We welcome Naval Ravikant, a prodigious entrepreneur who has made a career helping other entrepreneurs. In this episode, we discuss how to be an effective entrepreneur, including the game theory of venture capital. Plus we cover complexity theory (or, Why can’t everything be simpler?), the “infrastructure of innovation,” and the first-principles thinking of science. Of course, nothing said in this episode is investment, legal, or any other advice of any kind.

Jul 01 2019

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Rank #4: SeedInvest, Part 1

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Ryan Feit of SeedInvest talks about how he and his team built a leading equity crowdfunding platform and was involved with the passage of the JOBS Act, and gets into the details of the platforms features and functions to make crowdfunding securities a new asset class. (Nothing in this or any other episode is advice of any kind; please contact your own experts to help with investment, legal, regulatory, or other advice.)

Dec 04 2018

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Rank #5: Naval Ravikant Part 2: Will Your Phone Do Everything?

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In this second part of our conversation with Naval Ravikant, we talk about how financial services will be disrupted, from blockchain to payments and beyond. We then venture into the future of work, such as what will the gig economy mean for how we will work in the future? At the end, Troy and Lee chat a bit about their impressions from the conversation with Naval, giving some additional food for thought. We hope you like this new feature. Of course, nothing said in this episode is investment, legal, or any other advice of any kin

Jul 15 2019

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Rank #6: Flavio Mansi, Part 1: Disrupting the Mobile Phone Industry, with Blockchain

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Flavio’s vision is a peer-to-peer open platform for buying and selling used mobile phones – of which there are millions around the globe.  Flavio shares his take on the mobile phone industry, including existing inefficiencies in how used phones are graded, priced, sold, and delivered to the next owner, all of which he’s hoping to disrupt with blockchain technology.  His plan is to use blockchain to fix informational asymmetries, reduce transaction costs, and promote pricing efficiencies.  Flavio’s ultimate goal is for a platform that fosters a marketplace that is open to everyone and not limited to mobile phones. 

Nov 18 2019

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Rank #7: “What the Internet was for information, the blockchain is for transferring value.” – Michael Oved

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In the second installment of Appetite for Disruption’s interview with Michael Oved of AirSwap, Troy and Lee explore the role of  security and trust in shaping the future of blockchain, and how this technology may be just as big as the Internet. 

Jul 09 2018

24mins

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Rank #8: Trading in Crypto

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In this episode of Appetite for Disruption, Troy and Lee speak with AirSwap co-founder Michael Oved about smart contracts, the future of (decentralized) trading, and the beauty of simplicity in technology.

Jun 25 2018

23mins

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Rank #9: Dale Purves, Duke Neuroscientist, Part 2: What Human Brains Teach Us About Computer Brains

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As Dale explains it, our brains have been practicing how to respond to stimuli for millennia. While humans have been around longer than computers, computers can “practice” harder and longer than humans can. And so, through practice, computers can get really good at what they do really quickly. Interestingly, according to Dale, different computers may learn differently, and so machine learning may yield different results by different computers – sort of like how different people learn differently and thus make different decisions. Where will it all lead? Troy and Lee’s wrap-up conversation explores some of the themes they discussed with Dale.

Nov 04 2019

28mins

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Rank #10: Key Considerations for Crypto and Regulation

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In the third and final installment of Appetite for Disruption’s discussion with crypto enthusiast and venture capitalist Lou Kerner, Troy and Lee discuss how regulators should approach crypto. What will help and what will hurt this developing innovation and marketplace?

Jun 11 2018

20mins

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Rank #11: All Things Crypto

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Business Insider reporter Frank Chaparro joins Troy and Lee to talk all things crypto -- big banks getting into the crypto space, when we might see a crypto ETF, how crypto is becoming more accessible, and the importance of keeping the long-view in mind.

Jul 23 2018

23mins

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Rank #12: Marcus, Pt 1 - Small Loans Are Creating Big Business at Goldman

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You order a slice of pizza. Just as the waiter is handing it to you, he takes a bite and claims it’s his “fee.” Naturally, you’re indignant. Does this tell us anything about banking? Goldman Sachs’ consumer lending arm, Marcus, thinks it does. In this episode of Appetite for Disruption, Troy and Lee talk with Omer Ismail (Marcus Chief Commercial Officer) and Dustin Cohn (Head of Brand Management for Marcus) about Marcus’ approach to putting the consumer first.

Mar 05 2018

20mins

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Rank #13: Chronicled, Part 2 - Blockchain as a Community Builder

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Blockchain is about more than technology. It's about human interaction. Even more than that, blockchain challenges how we think about "community." In the second installment of our discussion with Chronicled co-founder Samantha Radocchia, Troy and Lee look beyond technology to examine how blockchain is changing social and economic dynamics as more-and-more occurs anonymously.

Feb 19 2018

24mins

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Rank #14: Currents in Crypto

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In the second installment of Appetite for Disruption’s discussion with Business Insider reporter Frank Chaparro, Troy and Lee discuss with Frank the challenge of finding talent in an industry that’s evolving so quickly, how crypto has caught the public's imagination, and whether crypto is here to stay.

Aug 06 2018

25mins

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Rank #15: Prof. Hal Abelson, Part 2: Lessons from a Computer Scientist: Should a Computer or a Person Make that Decision?

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Professor Hal Abelson of MIT continues to explain the world of machine learning, including its limitations. Have you ever considered that a computer can recognize some images better than people can, but the computer might not recognize that an image is a dog if the picture is upside down? Even the best computer scientists are still working to develop clear and fulsome explanations of why and how machine learning works. As we also discuss with Hal, even the best-trained machines lack what we, as humans, think of as judgment, and machines certainly lack human values. Perhaps new advances will move computers more towards possessing judgment and values – the ability to have compassion or empathy, for example. If so, that could have big implications for how key decisions that affect our lives get made.

Aug 12 2019

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Rank #16: Clara Tsao, Part 2: The Health and Welfare of Society.

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We return with more thinking from Clara about how to accomplish trust and safety on the internet.  There are many players involved in the discussion, including government agencies, the press, brands, and think tanks, all of whom are committed to the health and welfare of society on (and off) the internet.  All have ideas about the right rules and outcomes.  One core point that Clara emphasizes is how anonymity allows people to engage in conduct they otherwise might avoid if they were identified, and there is little doubt that the internet allows people to gain much more information, including algorithmically biased information, than ever before.  The next few years will be consequential as people without access to the internet get online and as the world becomes increasingly digital.  Even through all of this, Clara remains optimistic, which gives Lee and Troy hope, as you will hear in our post-interview conversation.

Apr 20 2020

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Rank #17: Jon Clark, Part 1: Marketplace choices when trading stock.

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Buyers and sellers want choices regarding what to buy and sell and where to buy and sell it.  Trading stocks for investors is no different, as choice matters there too.  We talk with Jon Clark, the CEO of Luminex, about his efforts building a company with the mission of affording institutional investors another choice centered on trading a large block of shares, rather than accessing the moment-to-moment liquidity of stock markets.  Luminex, which actually is owned by institutional investors, is a stock trading venue for blocks of at least 5000 shares traded by institutional investors.  Luminex’s business is one part of equity market structure, which needs to keep up as technology and market conditions change. 

Dec 16 2019

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Rank #18: Stocks Trade Really Fast, Part 1

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We chat with Chris Concannon, formerly President and COO of Cboe and now the same at MarketAxess. We spoke with Chris (before he switched jobs) about the role of technology, the role of humans, and the speed of markets, and about regulation and complexity. (Nothing in this or any other episode is advice of any kind; please contact your own experts to help with investment, legal, regulatory, or other advice.)

Mar 18 2019

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Rank #19: Cryptographers Do Cool Stuff, Part 1

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To sum it up, math matters. Troy and Lee with Brett Hemenway, a cryptographer looking at various practical applications of secure multi-party computation to solve real-world information sharing problems. Ever want to tell someone something but you’re not sure if you should trust that person? Brett delves into the theory and practice of cryptography in a way that we think "Appetite for Disruption" listeners will find fascinating. Really amazing.

Feb 12 2019

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Rank #20: SeedInvest, Part 2

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We continue our discussion with Ryan and learn about the proposed transaction with Circle, some of the early challenges SeedInvest faced and how passion is a necessary part of any start-up vision. (Nothing in this or any other episode is advice of any kind; please contact your own experts to help with investment, legal, regulatory, or other advice.)

Dec 10 2018

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