The Financial Technology Report with RJ Lumba

Modernizing Construction Finance: Constrafor’s Anwar Ghauche

Welcome to The Financial Technology Report, a leading information source on financial technology companies and solutions.
In this episode, we speak with Anwar Ghauche, Founder of Constrafor, a construction procurement platform with embedded financing. Founded in 2020, Constrafor supports general contractors and subcontractors by standardizing key back-office workflows — including contracts, COIs, invoices, and payments — and provides subcontractors with fast, cost-effective receivables financing through its Early Pay Program.
Before launching Constrafor, Anwar held roles across engineering, management consulting, AI product development, and technology investing.
I am your host, RJ Lumba. We hope you enjoy the show. If you like the episode, click to follow.

Financing Small Businesses: Qred’s Emil Sunvisson

Welcome to The Financial Technology Report, a leading information source on financial technology companies and solutions.
In this episode, we speak with Emil Sunvisson, CEO and Co-Founder of Qred Bank, a fintech company simplifying access to financing for small businesses. Founded in 2015, Qred offers fast, flexible business loans and credit cards, serving more than 50,000 entrepreneurs across seven European markets.
Before founding Qred, Emil founded and led multiple companies across technology, finance, and gaming. Today, he leads Qred’s mission to make business financing faster and easier for entrepreneurs.
I am your host, RJ Lumba. We hope you enjoy the show. If you like the episode, click to follow.

Simplifying Embedded Payments: Rainforest’s Joshua Silver

Welcome to The Financial Technology Report, a leading information source on financial technology companies and solutions.
In this episode, we speak with Joshua Silver, Founder and CEO of Rainforest, a Payments-as-a-Service provider built for vertical software platforms. Rainforest enables platforms to embed payments directly into their products without taking on risk, compliance, or operational burdens. Its low-code, white-label solution supports card, ACH, and Apple Pay transactions—helping software companies drive payments volume, grow revenue, and maintain full control over their customer relationships.
Before founding Rainforest, Joshua co-founded Patientco, later acquired by Waystar, and advised more than 50 software companies on payments strategy. Drawing on two decades in embedded payments and SaaS, he founded Rainforest to fill a gap in the market for a technically strong, service-oriented, and economically balanced payments solution.
I am your host, RJ Lumba. We hope you enjoy the show. If you like the episode, click to follow.

Transforming Payments: NMI’s Steve Pinado

Welcome to The Financial Technology Report, a leading information source on financial technology companies and solutions.
In this episode, we speak with Steve Pinado, CEO of NMI, an embedded payments provider powering over $440 billion in volume and 5.8 billion transactions annually. NMI’s platform enables transactions across multiple payment channels, including online, in-store, in-app, mobile, and unattended.
Steve became CEO of NMI in August 2025 after decades of leadership in fintech and SaaS. He previously helped guide Billtrust through rapid expansion, its IPO, and eventual sale, and also held senior roles at Jonas Software, Advanta, NextCard, and Electronic Data Systems. Earlier in his career, he worked in investment banking.
I am your host RJ Lumba. We hope you enjoy the show. If you like the episode click to follow.

Simplifying Retirement Benefits: 401GO’s Dan Beck

Welcome to The Financial Technology Report, a leading information source on financial technology companies and solutions.
In this episode, we speak with Dan Beck, CEO and Co-Founder of 401GO, a fintech retirement platform built to simplify 401(k) setup and management for businesses of all sizes. 401GO leverages automation to reduce costs and administrative burdens, while ensuring support and education remain central to the participant experience.
Dan founded 401GO after experiencing firsthand how limited and costly retirement options were for small businesses. Today, the platform makes it possible for companies to provide employees with an affordable and practical retirement benefit, reshaping how retirement planning is delivered in the workplace.
I am your host RJ Lumba. We hope you enjoy the show. If you like the episode click to follow.

Global Payments Leader: Jeeves’ Dileep Thazhmon

Welcome to The Financial Technology Report, a leading information source on financial technology companies and solutions.
In this episode, we speak with Dileep Thazhmon, Founder and CEO of Jeeves, an all-in-one financial platform for businesses operating in over 30 markets worldwide. Jeeves enables companies to open multi-currency accounts, issue corporate cards, send cross-border payments, and manage expenses from a single platform.
Dileep previously co-founded PowerInbox, a digital monetization platform that scaled to billions of emails monthly and was acquired in a $100 million exit. He has since led Jeeves’ growth into a global platform, supporting businesses across currencies and regions.
I am your host RJ Lumba. We hope you enjoy the show. If you like the episode click to follow.

Simplifying Home Buying: Habito’s Ying Tan

Welcome to The Financial Technology Report, a leading information source on financial technology companies and solutions.
Today, we speak with Ying Tan, CEO of Habito, a digital platform designed to make mortgages and home-buying more straightforward. Habito searches thousands of products from more than 90 lenders and connects customers with brokers, surveyors, and conveyancer partners. The company also provides a complete home-buying service that combines financing, property surveys, and legal work in one place.
Ying is an experienced entrepreneur with a background in investment banking and accounting. He previously founded Dynamo, a leading UK mortgage brokerage, which he successfully scaled and exited after 15 years.
Ying supports New Horizon. To learn more about this organization click here.
I am your host RJ Lumba. We hope you enjoy the show. If you like the episode click to follow.

Redefining Wealth Management: Farther’s Taylor Matthews

Welcome to The Financial Technology Report, a leading information source on financial technology companies and solutions.
In this episode, we speak with Taylor Matthews, Co-Founder and CEO of Farther, a wealth management firm that combines experienced advisors with advanced technology to deliver a more comprehensive service for high-net-worth clients. Farther has grown quickly, now managing over $5 billion in assets through more than 100 advisors serving thousands of clients nationwide.
Taylor co-founded Farther in 2019 after helping scale fintech retirement advisory firm ForUsAll from $25 million to nearly $1 billion in assets. Earlier in his career, he co-founded Essmart, a social enterprise in India, and worked in investment banking and management consulting.
Taylor supports Against Malaria Foundation. To learn more about this organization click here.
I am your host RJ Lumba. We hope you enjoy the show. If you like the episode click to follow.

Buy Now, Pay Later in Brazil: Pagaleve’s Henrique Weaver

Welcome to The Financial Technology Report, a leading information source on financial technology companies and solutions.
Today, we speak with Henrique Weave, Co-Founder and CEO of Pagaleve, a pioneering fintech in Brazil’s Buy Now, Pay Later market. Founded in 2021, Pagaleve allows consumers to split purchases through Pix in up to four interest-free biweekly installments or twelve monthly installments with interest without relying on credit cards. For retailers, the platform drives higher conversion rates, larger average purchases, and reduced payment risk.
Henrique previously held roles at Coca-Cola, McKinsey & Company, and Uber, where he served as General Manager, before becoming CEO of OYO Brazil. Pagaleve is backed by Salesforce Ventures, Banco do Brasil, and Entrée Capital, and today serves more than 9,000 retailers across Brazil.
I am your host RJ Lumba. We hope you enjoy the show. If you like the episode click to follow.

Democratizing Small Business Financing: Froda’s Olle Lundin

Welcome to The Financial Technology Report, a leading information source on financial technology companies and solutions.
Today, we speak with Olle Lundin, CEO and Co-Founder of Froda, a fintech company founded in 2015 to make financing accessible for small businesses. Froda’s platform uses digital onboarding and data-driven credit models to simplify lending, helping entrepreneurs secure fair, transparent loans without hidden fees or time-consuming processes.
Since inception, Froda has issued more than 100,000 loans and today supports about 14,000 active SME clients across seven European markets. With a fully automated lending platform and a growing network of distribution partners, Froda is expanding access to capital for businesses ranging from cafés and boutiques to professional service providers, ensuring that small businesses have the tools to grow.
I am your host RJ Lumba. We hope you enjoy the show. If you like the episode click to follow.