FINCIRCLE artwork

FINCIRCLE

60 episodes - English - Latest episode: 14 days ago -

This podcast discuss relevant and diverse topics on Digital Economy that covers Financial Technology, Cybersecurity, Cryptocurrencies, Blockchain, Artificial Intelligence and any other Digital Footprint under the sun. The program host and producer (Edgar Angeles) is a former banker and a seasoned FinTech professional with more than 20 years of extensive experience on digital transformation in different international corporations across various industries. He is also a notable resource speaker and thought leader on digital fraud awareness as part of his personal advocacy.

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Episodes

Tokenized Property Marketplace

March 15, 2024 09:00 - 36 minutes - 27.1 MB

Tokenization is the process of digitally representing assets, rights, or items of value through a smart contract on a blockchain, has gained significant attention in recent years. By enabling assets to be divided into smaller tradable units, tokenization has the potential to revolutionize the funding and capital model across many different industries. What may have previously been a non-bankable real-world asset can find its way into the financial ecosystem, becoming accessible to a wider r...

Interpretable Machine Learning

February 29, 2024 13:00 - 54 minutes - 34.8 MB

As more advanced techniques and implementations continue to be developed on the flip side the adoption rate of these techniques remains debatable. It takes years for these techniques to become prevalent and get integrated with the existing business processes. The Industry laser focuses on the applied part of Artificial Intelligence to solve complex real world problems. To obtain tangible business benefits and ensure that Artificial Intelligence initiatives do not fail, it is imperative that A...

Crypto Exchange

February 09, 2024 07:00 - 57 minutes - 38.3 MB

Most traditional investment brokers do not yet offer exposure to crypto for trading purposes unlike equities or bonds. Therefore, cryptocurrency exchanges were developed as a simple way for investors to buy digital assets. Even though the majority of these exchanges have similar offerings, such as spot markets to tokens like bitcoin and Ether (Ethereum) for instance, there is a wide variety based on the amount of tokens offered, together with other available services and security. Moreover, w...

Navigating the Financial Horizon

January 26, 2024 06:00 - 26 minutes - 18.6 MB

In 2024, the finance sector stands at the intersection of legacy and innovation. The impact of demonetization lingers, serving as a reminder of the sector's resilience and adaptability. Artificial Intelligence and digital transformation are propelling the industry into new frontiers, promising greater efficiency, accessibility, and personalization. As we navigate this evolving landscape, one thing is very clear: finance will continue to be a dynamic and exciting field, shaped by innovation...

AI for CROs

January 12, 2024 06:00 - 36 minutes - 25.5 MB

The Chief Revenue Officers or commonly known as CRO’s will play an important role on establishing revenue streams for the organization. Relatively, thirty-five percent of chief revenue officers (CROs) will establish a generative AI operations team in their go-to market (GTM) organization by 2025, according to Gartner group.  Faster, deeper insight generated by Artificial Intelligence will accelerate the speed at which Go-To-Market teams produce buyer content and adapt to market forces, ultima...

Maze of Configuration

December 15, 2023 06:00 - 32 minutes - 22.6 MB

Consulting firms worldwide have a lot to contend with over the last few years with the global pandemic and resulting great resignation, plus widespread supply chain disruption as well as challenges on technology and system configuration rollout. Maintaining growth in profitability and sustaining it during this period wasn’t easy, but some consulting firms succeeded somehow. How did they managed to do it? In view of these, we've invited Mr. Matthew Hartley, the Founder and Lead Consultant of ...

Digital Financial Ecosystems

December 01, 2023 09:00 - 1 hour - 43.5 MB

The next few years could be a make-or-break period for some banks and financial institutions. They will join the digital financial ecosystem movement—or be consumed by it. These platform-based ecosystems offer products and services that are created and distributed in partnership with others. And they confer powerful advantages, allowing organizations to enter new markets, create new services, and acquire new customers faster and more affordably than with traditional product development and go...

Matrix of Innovation

November 17, 2023 09:09 - 49 minutes - 32.1 MB

The economic volatility and uncertainty, higher cost of funding, and the need to diversify supply chains are particular concerns for businesses operating in the Asia Pacific region. But what sets the region apart is the access to enormous technology talent pools that are adept at resolving problems through the use of artificial intelligence, process automation, and data analysis among others. One result of this is the region’s leadership in adopting new real-time payments methods, plus API ...

Truth Behind Data Science

November 03, 2023 10:14 - 47 minutes - 31.3 MB

According to Asian Development Bank, AI can potentially add USD 92 billion to the Philippine economy by 2030. The government and the business sector are collaborating to grow AI technology in the country, and they are optimistic that the Philippines will become a significant data processing hub and AI will become a new industry in the country. In view of these, we’ve invited Mr. Krishna Tanwani, Managing Director from Analytiks Inc. based from Manila, Philippines to walk us through the truth...

Real Estate Blockchain

October 24, 2023 14:49 - 34 minutes - 24.1 MB

Blockchain technology has impacted the real estate industry in a variety of ways, including offering a new means for buyers and sellers to connect with one another. Moreover, Blockchain could be used to cut intermediaries out of the real estate transaction process, thereby reducing costs. This technology could also help to codify the practice of fractional ownership of real estate. Global real estate is worth hundreds of trillion of dollars, but is dominated by the wealthy and large corpor...

Breaking Through Disruption

October 20, 2023 08:00 - 34 minutes - 24.4 MB

Being relevant – to the market and to consumers – is paramount for businesses. In today’s rapidly evolving marketplace, companies and individuals alike must keep up with new digital trends if they are to continue meeting consumer expectations. Traditional business models are being pushed to the wayside, and many organizations are struggling to keep pace or, worse yet, resisting change altogether. How a company responds to these changes and trends will determine its ability to survive or thr...

Predictive Analytics

October 06, 2023 08:00 - 1 hour - 48.5 MB

As with most aspects of digital transformation, the outlook for data analysis appears to demonstrate that adoption is heading in one direction— UP. Business leaders, all the way up to the C-Suite, are more inclined than ever to invest in predictive analytics. McKinsey found that 70% of business leaders agree that predictive analytics has changed their respective industries in at least in a moderate way. Combine that with the efficiency and competitive benefits that can be achieved through ...

Digital Ledgers

September 06, 2023 06:00 - 33 minutes - 23.6 MB

According to the Blockchain Council of the Philippines, blockchain technology and Web3 projects have an "opportunity to flourish" in the country. The Philippines has joined the rest of Asia in crypto adoption. Cryptocurrencies have entirely changed how we think about money and how traditional financial systems operate. Moreover, the Philippines has established itself as a prospective player in the crypto industry, and the Blockchain Council has been instrumental in promoting the uptake and c...

FX on AI

August 29, 2023 06:00 - 33 minutes - 23.5 MB

Foreign exchange trading, also known as FX or forex trading, is one of the world’s largest and most influential markets regarding trading volume, value, and liquidity. As new technologies emerge, so have forex methods and strategies. With the advent of artificial intelligence and machine learning in science, forex traders and experts have learned to adopt this new technology to improve trading and make their strategies more efficient. However, this field also comes with its own set of challe...

Emerging Digital Finance

July 31, 2023 06:00 - 1 hour - 50.8 MB

According to the survey from McKinsey, adoption of digital banking in emerging markets has caught up with that in developed markets. Between 2017 and 2021, the share of consumers in Asia–Pacific emerging markets actively using digital banking increased sharply, rising 33 percentage points from 54 percent in 2017 to 88 percent in 2021. The level of digital adoption among consumers in developed Asia–Pacific markets has remained stable at approximately 90 percent. The shift to digital banking ...

Cashless Society

June 30, 2023 06:00 - 38 minutes - 26.8 MB

From barter to cash to checks to online banking, money is an evolving technology that has been part of human history for thousands of years. While cash is expected to remain a significant payment instrument in the near future, factors such as “contactless” pay systems, increasing mobile penetration, and high costs of cash like ATM fees for individuals, cash storage for businesses, currency printing for governments, among others are prompting society to reconsider its ubiquity. Some experts ...

AlgoTrading

May 31, 2023 06:00 - 49 minutes - 36.4 MB

Algorithmic trading, also known as automated trading or AlgoTrading, refers to the use of computer programs and advanced mathematical models to execute trades in financial markets. These algorithms are designed to analyze vast amounts of data, identify patterns, and make trading decisions based on predefined rules. Algorithmic trading has gained popularity in recent years due to its ability to execute trades at high speed and with precision. Algorithmic trading offers several advantages over ...

Wealthy Crypto Holders

April 30, 2023 06:00 - 33 minutes - 25.1 MB

Bitcoin's stratospheric rise since 2009 has created a surprising and diverse set of millionaires and billionaires. But the interesting question, who owns the most bitcoin? It is really difficult to say for certain who owns the most bitcoin, as wallet addresses are anonymous in that they are not associated with the account owner's name. The only way to tell is if the owner has publicized their holdings. Many bitcoin holders have made their wealth by creating products to grow Bitcoin's still-na...

Crypto Investment

November 30, 2022 10:00 - 49 minutes - 32.7 MB

Is Crypto worth investing? Cryptocurrency can be a great investment with astronomically high returns overnight; however, there is also a considerable downside. Investors should analyze whether their time horizon, risk tolerance, and liquidity requirements fit their investor profile. In view of these, we've invited a Crypto enthusiast, investor and entrepreneur, Mr. Chip Winternitz as he share with us his relevant takeaways on his crypto journey and its value proposition to our digital econom...

TeleMedicine

October 29, 2022 01:00 - 50 minutes - 32.9 MB

The healthcare system has been the silent hero of the pandemic situation. With physicians and nurses saving lives daily, the whole health industry experienced extreme pressure. While the pandemic posed an unprecedented threat, the rest of our usual diseases did not disappear and telemedicine solutions appeared to be the most convenient and safe response to the needs of patients. In view of these, we've invited the President and Chief Executive Officer of the Philippine Virtual Hospital (PVH) ...

The Power of Assistive Technology

September 30, 2022 13:00 - 41 minutes - 27.4 MB

Today, only 1 in 10 people in need have access to assistive technology due to high costs and a lack of awareness, availability, trained personnel, policy, and financing. Without assistive technology, people are often excluded, isolated, and locked into poverty, thereby increasing the impact of disease and disability on a person, their family, and society. Assistive technology enables people to live healthy, productive, independent, and dignified lives, and to participate in education, the ...

Crypto Travel Rule Policy

August 31, 2022 14:00 - 36 minutes - 24.9 MB

What does Crypto Travel Rule mean for you? The measure is essential to prevent bad actors from using digital assets to launder money. It affects everyone who dabbles in cryptocurrencies from exchanges to everyday investors. Almost three years after the controversial "travel rule" guidance was issued by the Financial Action Tax Force or FATF, regulators and virtual asset service providers or VASP are still coming to terms with the economic and technical challenges of implementing these rule...

Anonymous Hacker

July 31, 2022 06:00 - 28 minutes - 21.7 MB

An interesting conversation with an “Anonymous Hacker” sharing his journey on the under world of the cyber space and his relevant takeaways from this experiences. --- Send in a voice message: https://podcasters.spotify.com/pod/show/edgar-angeles/message

Digital Learning Innovation for AML & KYC

June 30, 2022 15:30 - 37 minutes - 25.7 MB

The Global learning management system market was worth around 14.9 billion US Dollars in 2021, and is estimated to grow to about 43.6 billion US Dollars by 2028, with a compound annual growth rate of approximately 18.4 percent over the forecast period. The market growth of LMS is mainly attributed to the growing adoption of the e-learning in different business industries particularly on the financial sector with regulatory learning requirements like Anti Money Laundering and Know Your Client...

The Mantle of Cybersecurity

May 30, 2022 06:00 - 45 minutes - 32.7 MB

There is no simple fix or single product or patch that an organisation can apply to address cyber risks and threats presented by Industry 4.0. As industry moves to capture the business value that comes with Industry 4.0, the need to address the cyber risk landscape with a secure, vigilant and resilient response has likely never been greater. In view of these, we’ve invited a seasoned Industrial Cybersecurity professional, Mr. Gary Kong from Kuala Lumpur, Malaysia as he shares his valuable ins...

Algorithmic Liabilities

April 30, 2022 13:00 - 48 minutes - 32.7 MB

The learning ability of AI systems means that they no longer have to be completely programmed but can constantly learn by themselves. They can change their behavior through the input of data from the outside world. AI holds great promise. But when the adoption of this technology increases, their liabilities also emerge. If the algorithms fail to perform as expected, the result can be economic loss and business interruption, personal injury and property damage, professional liability, medical ...

Primary Derivatives

March 29, 2022 06:00 - 54 minutes - 32.7 MB

There’s no getting away from the fact that treasury management is a critical part of any organization. No organization, regardless of their size and sector, can afford to lose sight of their financial risk, and their cash and liquidity positions – yet in an increasingly complex business landscape, this can be easier said than done. There are many changes in the financial landscape, and increasing volatility of the markets make the job of risk management even more difficult. Technology helps f...

The Digital Age of Workforce Management

February 28, 2022 06:00 - 35 minutes - 25.4 MB

A top strategic focus of HR (Human Resources) over the next few years, is primarily aligned on data. The shift to remote work caused by the pandemic, meant that corporate organizations had to increasingly rely on tools to gauge how engaged and productive employees were, and, by extension, turn to data insights for direction. Clearly, “Data is the new currency when it comes to the workforce management”. The move to digital will become even more marked as companies seek to transform in the face...

The Low Code Paradigm

January 18, 2022 06:00 - 53 minutes - 36.9 MB

More businesses are adopting low code as a viable alternative to traditional software development. According to Forrester, 75% of application development will use low code platforms by the end of 2021 up from just 44% in 2020. On this particular podcast episode, we’ve invited Mr. Swaminathan Ganesan, Head of Pre-Sales of NewGen Software based in Singapore as we walk us through the significant relevance of “Low Code” and its value proposition to our present digital economy. --- Send in a vo...

Decoding RegTech

December 22, 2021 06:00 - 33 minutes - 23.2 MB

The utilisation of technology as a tool to streamline the regulatory process in financial services continues to grow and evolve at a rapid pace. Thus, Regulatory Technology or most commonly known as RegTech will play an important role and has been established as a bridge between the firm and regulatory requirements enabling business to fullfill regulatory obligations more efficiently and focus on its core offering. In view of these, we have invited Mr. Nimoh Mohankumar, Managing Director of ...

True False Positive

December 14, 2021 08:00 - 39 minutes - 29.1 MB

The banking sector is at the forefront of detecting cases and providing information to the regulatory authorities at huge cost and under threat of million dollar fines and penalties. As much as 95% to 98% of the suspicious activity detected by the financial sector are false positives hence it’s critically important to mitigate the underlying circumstances. In view of these, we’ve invited once again, Mr. Sjoerd Slot, a Fraud Management expert, seasoned Financial Crime Control professional and...

The LIBOR Chronicle

November 24, 2021 06:00 - 34 minutes - 23.6 MB

Insightful conversation with Mr. Kenneth de Souza, the Head of Business Development of Treasury and Risk Management for the ASEAN region from Intellect Design Arena Ltd. as he shares their valuable proposition on the holistic approach regarding the transition of the London Interbank Offered Rate or most commonly known as LIBOR to other pricing mechanism. Available on the following podcast platform: Spotify, Google Podcast, Breaker, Radio Public, PocketCasts, Overcast, Apple Podcast, Audible...

Infodemic of Misinformation

November 16, 2021 06:00 - 1 hour - 45.9 MB

Increased global access to mobile phones with an Internet connection has led to the exponential production of information and the number of possible paths for getting it, creating an information epidemic or infodemic. In view of these, we’ve invited once again in an interesting podcast conversation, Dominic “Doc” Ligot, Founder of Cirrolytix Research Services, a seasoned Data Analytics professional and Data Ethics advocate from Data Ethics Philippines as he slice and dice the facts and ficti...

Leading Innovation on the Financial Ecosystem

October 27, 2021 06:00 - 45 minutes - 30.9 MB

Insightful conversation with the remarkable individuals behind the thriving FinTech group, Grover Private Ltd., a Nityo Infotech Company with business presence in Singapore and the Philippines particularly with Mr. Mon Gutierrez, the Country Managing Director and Ms. Sheryll Dhel Viguilla, the Senior Sales Manager as they share with us their interesting and unique digital product offerings as well as with their valuable views on the significant relevance of digital innovation to our virtual ...

AI Democratization

September 17, 2021 13:00 - 46 minutes - 32.4 MB

Insightful conversation with Mr. Hariom Tatsat, presently working as the Vice President in the Quantitative Analytics division of an investment bank in New York and a UC Berkeley alumnus. He share with us his valuable insights on democratising AI and it’s significant relevance to our current digital economy as well as introduction to his exceptional book entitled “Machine Learning and Data Science Blueprints for Finance” now available on Amazon and all major bookstores. Available on the fol...

Virtual State of Mind

September 03, 2021 06:00 - 36 minutes - 25 MB

Introspective conversation with Ms. Beatriz “Bea” Gonzales, a Mental Health and Wellness advocate and Mr. AJ Sunglao, a license psychologist, both co-founders of “Vidya”, a very promising health and wellness platform with business presence in Singapore and the Philippines as they share with us their valuable insights on virtual wellness and it’s significant relevance to our present digital ecosystem. Available on the following podcast platform: Spotify, Google Podcast, Breaker, Radio Public...

Behind the Yield Curve

August 12, 2021 06:00 - 40 minutes - 28.1 MB

Entrancing conversation with Mr. Matthew Hartley, a seasoned Financial Treasury Management professional and a highly experienced TMS (Treasury Management Solution) implementation specialist based in Sydney, Australia as he share with us his remarkable experiences on Treasury Management system challenges, opportunities and it’s significant relevance to our present digital economy. Available on the following podcast platform: Spotify, Google Podcast, Breaker, Radio Public, PocketCasts, Overca...

The Rise of the Neobanks

July 29, 2021 06:00 - 41 minutes - 29 MB

Enlightening conversation with Mr. Greg Krasnov, the Founder and CEO of Tonik Bank, presently at the forefront of financial inclusion developments in the Asia Pacific region. Tonik bank recently secured a digital bank license from the Philippines Central Bank or BSP making them the first digital only Neobank in the Philippines. The development comes after the neobank’s highly successful public launch in March 2021, which saw it secure over 1 billion pesos (US$20M) in retail deposits in under...

Clear and Present Cyber Threats

July 15, 2021 13:00 - 51 minutes - 35.8 MB

Enthralling conversation with a distinguished and world renowned cybersecurity expert, Dr. Eric Cole, who have worked with variety of corporate clients under Fortune 50 companies as well as with the Central Intelligence Agency (CIA) and he was also part of the commission in cybersecurity during the Obama administration. Presently, he’s the Founder & CEO of Secure Anchor, a cybersecurity consulting firm in the United States and he will share with us the value proposition of Cybersecurity in o...

Banking On the Cloud

July 07, 2021 06:05 - 51 minutes - 34.8 MB

Insightful conversation with Mr. Julian Oehrlein, the Co-Founder, COO and Product Head of Oradian, a FinTech company based in Zagreb, Croatia that services financial institutions in different regions as he shares his valuable insights on the significant benefits of the banking services on the cloud in our present digital economy. Available on the following podcast platform: Spotify, Google Podcast, Breaker, Radio Public, PocketCasts, Overcast, Apple Podcast, Audible, Amazon Podcast, Anchor....

Digital Empathy

June 27, 2021 06:00 - 37 minutes - 25.2 MB

Reflective conversation with Ms. Karen Schuppe, a seasoned Financial Technology Executive and Digital Experience Leader from Paris, France regarding her valuable insights on Digital Empathy and Customer Experience. Available on the following podcast platform: Spotify, Google Podcast, Breaker, Radio Public, PocketCasts, Overcast, Apple Podcast, Audible, Amazon Podcast, Anchor.FM and other affiliated podcast platforms. --- Send in a voice message: https://podcasters.spotify.com/pod/show/ed...

Fintech Anatomy

June 13, 2021 04:30 - 53 minutes - 34.7 MB

Conversation with Mr. Kartik Swaminathan, the Founder of Fintastech Group in Mumbai, India with more than 20 years of experience on the Financial Services industry, an avid FinTech (Financial Technology) enthusiast and the brilliant author of this relevant and compelling book entitled “3F - Future Fintech Framework” as he shares with us its value proposition to our digital economy. Available on the following podcast platform: Spotify, Google Podcast, Breaker, Radio Public, PocketCasts, Over...

The Satoshi Thread

May 22, 2021 11:59 - 43 minutes - 31.3 MB

Brilliant conversation with Mr. Dominic Gee, a Crypto Compliance Advisor and Consultant in the Asia Pacific region who has been closely monitoring the most recent developments in Bitcoin and generally Crypto Currency Compliance. He also cover the most contentious topic about the "Travel Rule Policy" and its relevance to the Bitcoin and Virtual Currency space. Available on the following podcast platform: Spotify, Google Podcast, Breaker, Radio Public, PocketCasts, Overcast, Apple Podcast, Au...

Mind the Gap for the Unbanked

May 11, 2021 14:31 - 57 minutes - 40.8 MB

Conversation with a seasoned banker, Mr. Kannan Swaminathan who have previously worked with Royal Bank of Scotland, ABN AMRO Bank, Standard Chartered Bank among others and presently the Chief Executive at WhiteBridge Consulting LLP in Chennai, India as he shares with us his valuable insights regarding Financial Inclusion. Available on the following podcast platform: Spotify, Google Podcast, Breaker, Radio Public, PocketCasts, Overcast, Apple Podcast, Audible, Amazon Podcast and Anchor.FM. ...

The Journey to Intelligent Automation

April 15, 2021 12:32 - 1 hour - 43.3 MB

Conversation with Mr. Ajay Kotkar, the Founder and CEO of Arges Global Limited from Hongkong, SAR (Special Administrative Region), China as he shares his valuable insights regarding the significant relevance of Intelligent Process Automation (IPA) in our digital economy. Available on the following podcast platform: Spotify, Google Podcast, Breaker, Radio Public, PocketCasts, Overcast, Apple Podcast, Audible, Amazon Podcast and Anchor.FM. --- Send in a voice message: https://podcasters.sp...

The Dark Shadow on Cryptocurrency

March 31, 2021 13:30 - 1 hour - 45.7 MB

Engaging conversation with Mr. Pieter van den Akker, a veteran banker, legal professional and Anti-Money Laundering Compliance expert, regarding Cryptocurrency in the system of Money Laundering. Presently, he’s the Managing Partner at International KYC group with business offices in Amsterdam and Singapore. Available on the following podcast platform: Spotify, Google Podcast, Breaker, Radio Public, PocketCasts, Overcast, Apple Podcast, Audible, Amazon Podcast and Anchor.FM. --- Send in a...

Disruptive Innovation and Transformation

March 16, 2021 02:51 - 39 minutes - 26.2 MB

Conversation with Mr. Nathan Richardson, the Chief Digital Officer at Pricewaterhouse Coopers (PwC) in Auckland, New Zealand on his valuable insights on Digital Transformation and Innovation. He also shared his remarkable journey on various successful Digital Transformation initiatives with several corporate organizations that he has work with. Available on the following podcast platform: Spotify, Google Podcast, Breaker, Radio Public, PocketCasts, Overcast, Apple Podcast, Audible, Amazon P...

Modern Financial Hub

February 27, 2021 03:02 - 54 minutes - 37.6 MB

Remarkable conversation with Mr. Sajid Bokhari, the Country Head of Volopay in Sydney, Australia. Volopay is a very promising FinTech startup with business presence in Singapore and Australia that provides an AI based real time expense management platform solution that streamline expense workflows while giving real time visibility and control over business spends. Available on the following podcast platform: Spotify, Google Podcast, Breaker, Radio Public, PocketCasts, Overcast, Apple Podcas...

Virtual Currencies

February 09, 2021 08:18 - 46 minutes - 32.8 MB

Conversation with Mr. Ian Rae, a seasoned banker and presently the Co-Founder and Director of Strategia Advisory Limited based in London, England, UK. He shares his valuable insights on Virtual Currencies and its significant relevance in our digital economy as well as WyzePay, a very promising digital payment and its bright future ahead. Available on the following podcast platform: Spotify, Google Podcast, Breaker, Radio Public, PocketCasts, Overcast, Apple Podcast, Audible, Amazon Podcast a...

Digital Lending Portal

January 31, 2021 11:04 - 46 minutes - 30.6 MB

Conversation with Mr. Rahul Maira, the Channel Manager of Turnkey Lender based in Singapore as he share his valuable insights on the digital lending portal initiatives as well as the remarkable features of Turnkey Lender platform. Available on the following podcast platform: Spotify, Google Podcast, Breaker, Radio Public, PocketCasts, Overcast, Apple Podcast, Audible, Amazon Podcast, and Anchor. --- Send in a voice message: https://podcasters.spotify.com/pod/show/edgar-angeles/message