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FINCIRCLE
Edgar Angeles
91 episodes
1 week 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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Technology
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All content for FINCIRCLE is the property of Edgar Angeles and is served directly from their servers with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.
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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Technology
Episodes (20/91)
FINCIRCLE
Autonomous Algorithms

The landscape of financial markets has undergone a transformative evolution over the past few decades, significantly influenced by the advent and integration of algorithmic trading. This transformation is marked by a shift from traditional trading methods to sophisticated, algorithm-driven strategies that leverage computational power to execute trades at unprecedented speeds and volumes. The principles of algorithmic trading are rooted in the application of mathematical models and automated procedures to facilitate trading decisions and execution, aiming to achieve optimal performance in terms of speed, cost, and risk management.

The regulatory landscape for algorithmic trading has evolved in response to some challenges, aiming to ensure market integrity and protect investors. Regulatory frameworks have been developed to address issues such as market manipulation, information asymmetry, and systemic risk among other concerns. These frameworks require transparency in algorithmic trading practices, robust risk management procedures, and compliance with market conduct rules.

The evolution and principles of algorithmic trading reflect a significant shift in the dynamics of financial markets, driven by technological advancements and computational innovations. While algorithmic trading offers numerous benefits in terms of efficiency, speed, and precision, it also necessitates careful consideration of the associated risks and regulatory implications. As the field continues to evolve, the ongoing development of algorithmic trading strategies and regulatory approaches will play a crucial role in shaping the future of financial markets.

In view of these, we've invited Sharath Kumar, Co-founder and Chief Executive Officer at "5 Swans", a notable quantitative trading and consulting firm, based from Pune, India, as he explains to us the value proposition of quant models and algorithmic trading to our digital economy.


LinkedIn: Sharath Kumar R N

Corporate Website: https://www.5-swans.com

Corporate Email: sharath@5-swans.com



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2 weeks ago
29 minutes 32 seconds

FINCIRCLE
The Pulse of Financial Data

Presently, 88% of US consumers use fintech services to better manage their financial lives, but many can’t access secure APIs to share data from their financial services providers. When consumers try to share financial data without APIs, they can experience connection delays or failures or access out-of-date information, which severely impedes their ability to access and benefit from the fintech tools they want to use. 

Data exchange in finance has undergone significant transformation, evolving from early practices of credit information sharing to contemporary frameworks such as open banking, open finance, and open data initiatives. Today, approximately 68 countries, representing about 35% of the world's nations, are either implementing or developing these frameworks. Key implementation barriers that has been identified in the recent studies by Deloitte include incentivizing incumbent banks to actively participate in data exchange, fostering a competitive ecosystem for third-party providers, ensuring interoperability across digital infrastructure layers, preventing the formation of data silos, and building trust through transparency and robust governance.

In view of these, we've invited Keith Raphael, Co-Founder and Chief Executive Officer from Straddle, a very promising open-banking payments platform, that enables organizations to build simpler, faster and more efficient payment flows, based in Denver, Colorado, USA, as he explains to us the value proposition, of the financial data exchange and its significant relevance to our digital economy.

Corporate Website: https://straddle.com

LinkedIn: Keith Raphael

Corporate Email: keith@straddle.com

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1 month ago
33 minutes 21 seconds

FINCIRCLE
Behind The Firewall

Cybersecurity in 2025 is defined by AI-driven threats, geopolitical tensions, and resilience-focused strategies. Organizations are navigating a landscape where generative AI, supply chain risks, and regulatory pressures converge, making cybersecurity not just a technical issue but a societal narrative about trust, resilience, and digital sovereignty. Malware attacks, phishing scams, and AI-driven threats are increasing day by day. Hackers now intelligently use advanced technologies to exploit security gaps and gain unauthorized access to organizational data. Together with the rise of generative AI, and advanced tools used by attackers is making it necessary for organizations to invest in stronger defenses. According to McKinsey recent report, the global cybersecurity spending will grow 12.2% in 2025 and cross $377 billion by 2028. Relatively, the US and Western Europe will lead, accounting for over 70% of global security spending, while Latin America, Asia Pacific, Central & Eastern Europe, and the Middle East & Africa as well as the other regions will experience strong growth.

Therefore, cybersecurity at this point in time, is no longer just about protecting systems—it’s about safeguarding trust in digital society. The narrative is shifting toward resilience, collaboration, and ethical technology use.

In view of these, we've invited Branden Wagner, former US Navy CyberSecurity Expert based in New York and presently the Head of Information Security at Mercury, a notable financial technology company with headquarters in San Francisco, California, as he explains to us the critical importance of cybersecurity to our digital economy.

Corporate Website: https://mercury.com

LinkedIn: Branden Wagner

Email: branden@mercury.com

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1 month ago
22 minutes 57 seconds

FINCIRCLE
Blueprint of AI Agent

Generative AI has exploded into boardroom agendas. Nearly 80% of companies report using it, but many still see limited bottom-line impact. Agentic AI promises to change that. The way humans interact and collaborate with AI is taking a dramatic leap forward with agentic AI. Think: AI-powered agents that can plan your next trip overseas and make all the travel arrangements; humanlike bots that act as virtual caregivers for the elderly; or AI-powered supply-chain specialists that can optimize inventories on the fly, in response to fluctuations in real-time demand. These are just some of the possibilities opened up by the coming era of agentic AI.

In relation to these, we've invited Manuel Ho, Founder and Chief Executive Officer at IntentAI, an Enterprise scale AI platform for AI agent orchestration, based from Singapore as he explains to us the value proposition of the agentic systems to our digital economy.

LinkedIn: Manuel Ho

Email: manuel.ho@intnt.ai

Corporate website: https://intentai.com

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2 months ago
35 minutes 1 second

FINCIRCLE
Rules of the Coin

Last May 2025, the United States of America made significant strides in stablecoin regulation, by advancing, the Guiding and Establishing National Innovation for U.S. Stablecoins, or most widely known as the GENIUS Act. As the first comprehensive federal framework for stablecoins, the GENIUS Act aims to provide regulatory clarity, retain innovation within the U.S., protect consumers and reaffirm the dominance of the U.S. dollar in global finance. This landmark move comes amid a surge in the use of stablecoins, which represent the majority of on-chain transaction volume.

In view of these, we've invited Dipendra Jain, Co-Founder of TCX, as he explains to us the critical importance of the GENIUS Act as well as the value proposition of TCX, an AI powered crypto exchange and its significant relevance to our digital economy.

LinkedIn: Dipendra Jain

Corporate Website: https://www.thecryptoexchange.ai

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3 months ago
28 minutes 55 seconds

FINCIRCLE
Paradox of Tokenization

Tokenized financial assets are moving from pilot to at-scale deployment. Adoption is not yet widespread, but financial institutions with blockchain capabilities in place will have a strategic advantage.The digitization of assets seems even more inevitable now as the technology matures and demonstrates measurable economic benefits.There are risks as well as rewards for early movers: the up-front investment and risks of investing in new technology can be substantial. In the near term, banks, asset managers, and market infrastructure players, should assess their product suites and identify which assets would most benefit from transitioning to tokenized products.

In view of these, we've invited Jose Fernando Pereira, Chief Executive Officer and Co-Founder at OWN, a very promising fintech company which provides an Ethereum Layer 2 solution for tokenized real-world assets from FASSET, based in Dubai, United Arab Emirates as he explains to us the value proposition of tokenization and its significant relevance to our digital economy.


LinkedIn: Jose Fernando Pereira

Twitter / X: @jfpereira1


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3 months ago
28 minutes 3 seconds

FINCIRCLE
StableCoins Unlocked

For a long time, stablecoins were a bit of a niche subject—a tool for traders to move in and out of volatile assets. But in 2025, that narrative has completely changed. We've seen a whirlwind of activity, from landmark legislation to unprecedented institutional interest. Today, we're diving deep into the latest developments, from the passage of the GENIUS Act in the United States, to the growing wave of banks and tech giants launching their own versions. We'll explore how these digital dollars are moving from the fringes to the mainstream, the new use cases they're unlocking, and, of course, the ever-present risks that still lurk beneath the surface.

In view of these, we've invited Benjamin Grolimund, General Manager of Flipster, based from Dubai, United Arab Emirates, as he explains to us the value proposition of Stablecoins and it's significant relevance to our digital economy.


LinkedIn: Benjamin Grolimund

Twitter / X: @BenGrolimund

Corporate Website:  https://flipster.io

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3 months ago
50 minutes 6 seconds

FINCIRCLE
The AI Analytics Way

AI analytics, often referred to as augmented analytics, is a modern approach to data analysis that uses artificial intelligence to automate and enhance traditional analytics processes. It goes beyond simply reporting on what has happened to provide deeper insights, predict future outcomes, and recommend actions.

It's the process of collecting, cleaning, transforming, and modeling vast amounts of data from all over the world to discover meaningful patterns and insights. Moreover, it's the engine that powers modern decision-making, helping companies and organizations navigate a complex, data-rich landscape.

In view of these, we've invited Parijat Banerjee, Global Head of Business Services at Latentview analytics and also an active member of the Forbes Finance Council based from Richmond, Virginia, USA, as he explains to us the value proposition of AI Analytics and its significant relevance to our digital economy.


Corporate Website: https://www.latentview.com/

LinkedIn: Parijat Banerjee

Email: parijat.banerjee@latentview.com

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4 months ago
46 minutes 35 seconds

FINCIRCLE
Financial Autonomy on Digital Economy

In the contemporary digital age, digital financial literacy has become increasingly significant. Digital financial literacy refers to an individual's ability to understand and utilize financial products and services in a digital environment, encompassing financial knowledge, digital technology application skills, and the capacity to identify and manage financial risks. The rapid development of the digital economy has further highlighted its importance, making the enhancement of digital financial literacy essential for adapting to the digital economy, safeguarding financial security, and promoting social progress.


In view of these, we've invited Michelle Campbell, the author of a compelling book “Bluebird” and the Founder of nonprofit social services “Stability” based from Atlanta, Georgia, United States, which focuses on financial education so as to understand the value proposition of financial health and literacy as well as its significant relevance to our digital economy.


LinkedIn: "Michelle C." (Michelle Campbell)

Email: michelle@bymichellecampbell.com

Corporate Website: https://bymichellecampbell.com/



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5 months ago
32 minutes 6 seconds

FINCIRCLE
Wealth Management in the Digital Age

For both novice and experienced investors who want to grow their capital significantly and build wealth over the long term may find wealth management to be of great assistance. With the onset of the digital age, many financial services including tax planning and investment advisories are adopting tech-friendly approach. Following this recent development, it is evident that digital wealth management tools, such as DIY investment platforms, can revolutionize how investors like you manage your wealth.

In view of these, we've invited a seasoned Wealth Management advisor, Marc-Olivier Francq, a French and Swiss national with over two decades of experience in Private Banking and Wealth Management as well as Strategy Consulting and Business Advisory, principally in Asia. He has held several business development and product management positions in leading banks such as Standard Chartered Bank, Deutsche Bank, Development Bank of Singapore, Temasek-owned Alliance Bank, and the Swiss boutique private bank Union Bancaire Privee, among others and presently working with Security Bank as he explains to us the value proposition of Wealth Management and it’s significant relevance to our digital economy.

LinkedIn: Marc-Olivier Francq

Email: marco.francq@gmail.com


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6 months ago
58 minutes 42 seconds

FINCIRCLE
FinTech Playbook

Recognizing the rising demand for a seamless digital banking experience, it is imperative for incumbent banks to diversify their technology strategy. This strategy is essential to rapidly bring new products and services to market while managing the constraints of legacy infrastructure. Leveraging technology capabilities and in-depth knowledge of navigating the complexities of delivering tailored solutions for financial institutions, which empowers to enable more clients to scale and modernize with our modularized capabilities.

In view of these, we've invited Mike Breen, Chief Commercial Officer at "audax" from Singapore, a Standard Chartered-backed digital banking tech solutions provider committed to empowering financial institutions to build scalable, secure, and future-proof banking ecosystems as he walks us through its value proposition and it’s significant relevance to our digital economy.

Corporate website: audax.io

LinkedIn: Mike Breen

Corporate Email: mike.breen@audax.io

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7 months ago
30 minutes 45 seconds

FINCIRCLE
The Future of Embedded Finance

The financial system of the future won’t be built in banks — it’ll be embedded in the apps, platforms and services people already use. Redefining how financial services are accessed and delivered, embedded finance is at the forefront of fintech innovation. By seamlessly integrating payments, lending, insurance and other financial products into non-financial platforms, embedded finance is making financial interactions more accessible and intuitive. This rapid evolution is sparking discussions about the future of traditional banking institutions. By partnering with fintechs, banks that innovate will definitely thrive.

In view of these, we've invited Matthew Edmunds, the Group Chief Executive Officer at GENIUSTO International Ltd. as he explains to us the value proposition of the "Embedded Finance" and its significant relevance to our digital economy.

Corporate Website: www.geniusto.com

LinkedIn: Matthew Edmunds

Email:matthew.edmunds@genuisto.com

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7 months ago
47 minutes 57 seconds

FINCIRCLE
Digital Citizenship

In today's interconnected world, digital citizenship has become an essential aspect of our daily lives. As we increasingly rely on technology to communicate, work, and access information, it's crucial to understand the rights and responsibilities that come with being a digital citizen.

As such, we've invited Craig Taylor, the Chief Executive Officer at CyberHoot based from New Hampshire, United States of America as he explains to us the value proposition of Digital Citizenship and literacy as well as it's significant relevance to our digital economy.

Corporate Website: https://cyberhoot.com

LinkedIn: Craig Taylor

Email: craig@cyberhoot.com

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8 months ago
39 minutes 14 seconds

FINCIRCLE
Scaling AI for Business

AI has emerged as a transformative force, revolutionizing industries and redefining the way organizations operate. The average number of AI capabilities in an organization has doubled in the past five years. The rapid growth of AI and machine learning is a testament to their immense potential to drive innovation, boost efficiency, and unlock new revenue streams for businesses. Organizational leaders often expect that with every subsequent AI use case or application, they will achieve faster speed to market and lower costs.

In view of these, we've invited Bart Puszko, the Founder and Chief Executive Officer, at Blue Seas AI Consulting from Brisbane, Australia, as he explains to us the value proposition, of Scaling AI in a business context to our digital economy. 

Corporate Website: https://www.blueseas.ai

LinkedIn: Bart Puszko

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8 months ago
36 minutes 28 seconds

FINCIRCLE
AI Powered Interpretation

The effort to overcome language barriers has always been a part of human progress, evolving from ancient cave paintings to today's digital emojis. Artificial intelligence in translation and interpreting is on the verge of a significant advancement set to reshape how we communicate by providing fast, universally accessible translation solutions. This innovation aims to eliminate language barriers globally, making AI a transformative force for instant communication. It envisions a future where cultural exchange is limitless and easily available. 

The integration of AI for translation and interpreting represents a revolutionary technological advancement, blending linguistic expertise with machine intelligence. This collaborative synergy aims to raise the overall standard of language services by enhancing quality, speed, and efficiency.

Within translation, AI-driven tools utilize sophisticated algorithms to rapidly process extensive linguistic data, facilitating swift and automated translation of both written text and spoken words. The results are nearly instantaneous, proving invaluable in various scenarios such as online communication, real-time news dissemination, and global business interactions. In interpreting, Artificial intelligence translation systems introduce simultaneous language processing capabilities, providing essential support for conferences, meetings, and other live encounters with improved accessibility and cost-effectiveness. 

In view of these, we've invited Richard Roocroft, the Client Solutions Director at Interprefy, a very powerful Swiss interpretation platform, as he explains to us the remarkable benefits of an AI powered interpretation and it’s significant importance to our digital economy.


Corporate Web Site: https://www.interprefy.com/

LinkedIn: Richard Roocroft

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9 months ago
27 minutes 44 seconds

FINCIRCLE
Optimizing Treasury Platforms

Understanding where you are on the treasury system maturity spectrum is key to unlocking efficiency.

Therefore, it is of critical importance to establish the proper criteria on how to optimize a treasury platform and its corresponding digital landscape for an effective system architecture and connectivity.

Today, banks want to be strategic partners with their clients, just like treasurers want to be strategic partners with the commercial side of the house. And what that means is, from a digitalization perspective, it's not just about helping clients automate, going from manual to automated, taking away paper, using some electronic payments as opposed to checks or cash. Digitalization is about a lot more. For banks, it means helping your clients become more competitive.

In view of these, we've invited Prasad Rao, a seasoned Solutions Consultant for Treasury and Capital Markets from FINASTRA as he explains to us the value proposition of Treasury System Optimization and it’s significant relevance to our digital economy.

LinkedIn: Prasad Rao

Corporate Website: https://www.finastra.com

 




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10 months ago
45 minutes 23 seconds

FINCIRCLE
Humanizing AI

The world is on the verge of a profound transformation, driven by rapid advancements in Artificial Intelligence (AI), with a future where AI will not only excel at decoding language but also emotions.

Humanizing AI aims to bridge the gap between human and machine interactions, making technology more accessible, trustworthy, and beneficial in various aspects of life. This aims to create more intuitive, empathetic, and effective interactions, enhancing the overall value and impact of Artificial Intelligence, in our daily lives.

As we move forward, it is a core business responsibility to shape a future that prioritizes people over profit, values over efficiency, and humanity over technology.

In view of these, we've invited Suriel Arellano, a New York University alumni, as well as a dynamic and engaging speaker with two decades of work experience on digital transformation who is also the remarkable author of this exceptional book “Leading in the Age of AI” and another compelling book entitled, “The Golden Triangle – A Pinnacle of Digital Transformation” (now available at Amazon, Barnes & Noble, and Kindle Unlimited) as he explains to us the value proposition of Humanizing AI as well and it’s significant relevance to our digital economy.

LinkedIn: Suriel Arellano

Corporate Website: https://www.surielarellano.com


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10 months ago
30 minutes 15 seconds

FINCIRCLE
Revolutionizing Hospitality Technology

Hospitality technology covers a range of digital tools and systems designed to enhance and streamline various aspects of hotel management. From reservation systems and guest service platforms to data analytics and automation, these solutions are geared towards improving every aspect of a hotel's operations. Technological innovation in the hospitality industry encompasses the adoption of Artificial Intelligence, blockchain, robotics, Internet of Things among others to enhance operational efficiency, improve guest experiences, streamline services, and provide personalized offerings.

In view of these, we've invited Terence Ronson, Managing Director and Founder of Pertlink Limited from HongKong and he was also inducted at the HFTP International Hospitality Technology Hall of Fame in 2024, as he walk us through on the value proposition of Hospitality Technology to our digital economy.

Pertlink Limited is also an award recipient of the "Best Hospitality and Technology Consultancy" in 2024 on the HongKong Business Awards.


Corporate Website: https://www.pertlink.net

Email: Terence@pertlink.net

LinkedIn: Terence Ronson

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11 months ago
53 minutes 58 seconds

FINCIRCLE
Democratization of Identity Fraud

In 2025, the battle against fraud continues to grow more complex and intense, driven by technological advancements and increasingly sophisticated tactics from cybercriminal's. Identity fraud cases more than doubled from 2021 to 2024, according to Sumsub’s (Sum and Substance Ltd.) most recent Identity Fraud Report. A striking 67% of companies reported an increase in fraud during this period. The report also highlights a global shift towards more complex and hybrid fraud schemes. AI has become a pervasive tool, with deepfakes now representing 7% of global fraudulent activity. Moreover, AI is widely used in fake document production—the fraud type now accounting for a striking 50%, of all fraud categories, according to the Report. As a result, companies, users, and regulators face mounting pressure to adapt their defenses in real-time.

In view of these, we've invited Penny Chai, Vice President for Business Development in Asia Pacific at SumSub as she walks us through the 2024 Identity Fraud Report and its significant relevance to our digital economy.


Corporate Website: https://www.sumsub.com

LinkedIn: Penny Chai

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1 year ago
24 minutes 36 seconds

FINCIRCLE
Managing Treasury Transformation

Today’s bank and financial institution treasurers face an increasingly complex environment characterized by volatile markets, tighter regulatory scrutiny, and shrinking budgets. In an effort to address these and other hurdles, more corporate treasurers are seeking to adopt advanced systems and leading practices to achieve the following priorities: Increasing transparency, technology modernization and process transformation. As such, Treasury transformation in the age of modernization helps company treasurers deploy advanced solutions for a new era of challenges.

Every business has its distinct complexities, objectives, and challenges. Yet, amid these differences, the fundamental need for an efficient, future-proof treasury operation remains universal.

Treasury transformation is not a fleeting trend; it’s a strategic shift that will define the future of corporate treasury management. It’s about optimizing systems, engaging stakeholders, aligning objectives, and ensuring scalability. With a thoughtful, tailored approach, businesses of all sizes can successfully transform their treasury functions, fostering financial resilience and agility.

In view of these, we've invited a seasoned Treasury Management System professional, Tracey Knight and presently the Principal Consultant from Real Treasury Group based from Dallas, Fort Worth, Texas, United States as she explains to us the value proposition of a Treasury Management System transformation and its significant relevance to our digital economy.

LinkedIn: Tracey (Ferguson) Knight

Corporate Website: https://www.realtreasury.com

Email: tknight@realtreasury.com

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1 year ago
36 minutes 15 seconds

FINCIRCLE
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.