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    How Chipper Cash Is Empowering Millions of Users to Move Their Money Freely Featuring Hasan Luongo, VP of Global Marketing

    enMay 31, 2023
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    About this Episode

    Welcome to the first episode of Masters of MAX, where you’ll hear from Hasan Luongo, VP of Global Marketing at Chipper Cash. Chipper Cash is a financial technology company serving more than five million customers across the African continent. Their app-only experience enables customers in five African countries, the U.S. and the U.K. to pay bills, make cross-border money transfers, and purchase cryptocurrencies.

    Hasan is an entrepreneur 1st and foremost, then a Growth and Product leader, and last but never least, a User. And in his conversation with Tom Butta, you’ll hear how much weight he places on the user experience, and why Chipper has always been mobile only to support that notion. 

    Trust is everything when it comes to the finance space. And without conventional banking locations that customers are used to, it’s a tougher hurdle to climb over. Listen to find out how Hasan relies on transparency and marketing to support Chipper’s efforts in earning their users’ trust.

    PS, don’t listen to this episode until after you’ve had your morning coffee, as we cover some of Hasan’s favorite blends and regions on the show as well. 

    Guest Bio

    Hasan is an entrepreneur, marketing, and product leader with extensive experience building and scaling high-growth technology companies, marketing, and growth teams. 

    He's a data-informed creative thinker. Hasan cut his teeth in digital marketing as co-founder/CEO of HoodiePeople, an e-commerce retail startup way back in 2006 

    Currently, Hasan leads Growth & Marketing as VP Global Marketing at Chipper Cash, a pan-African Fintech. Hasan joined Chipper at the pre-seed stage and the company is now at Series C, and valued at $1.25b, with more than 5 million users globally today. 

    Just prior to Chipper, Hasan lead Growth Marketing at Voicea, a B2B SaaS startup that was acquired by Cisco in 2018. Over the last 15 years, he's relentlessly focused on building high growth technology companies including Homejoy, YourMechanic, Fairy, Honey, and TuneUpMedia. These organizations have collectively raised over $800m, launched in 1000's of markets across the US, Africa, and EU, with multiple major exits. 

    Beyond work, Hasan loves coffee, admittedly more than working. If you’re interested in finding what he’s got brewing today, head over to his personal coffee blog here. 

    Guest Quote

    “Trust starts with reliability, right? And when things go wrong, you need to be transparent and get out in front of that as soon as possible. And things do break. That is the nature of the beast.” - Hasan Luongo

    Time Stamps 

    *(2:20) A bit about Hasan

    *(4:53) Digging into Chipper Cash 

    *(6:56) A mobile-first product

    *(9:15) Enabling fast movement 

    *(10:52) Building customer trust in finance

    *(14:05) Retaining users and customers

    *(18:10) Life after the download

    *(23:15) What’s next for Chipper

    *(26:12) Hasan’s advice for other leaders

    *(27:39) Rapid fire questions

    Links

    Recent Episodes from Masters of MAX: The Mobile App Experience Podcast

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    Guest Quote

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    Guest Bio

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    Guest Quote

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    Time Stamps 

    *(01:26) Frank's Background

    *(05:17) Sunrise Shop

    *(09:14) Frank's band, Monk

    *(12:07) Experience is brand

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    Guest Bio

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    Guest Quote

    "If you are trying to force someone in your app or your experience to maintain that high level of engagement, they drop off. But if you craft an experience designed for the off moments, where it's okay for it to take a back seat for a while, people can re-engage when they're ready. You keep that longitudinal engagement over time.” – Meg Dryer

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    Guest Bio

    Martin Granström is the Head of Product Design at Sam’s Club, one of the largest US retailers serving more than 47 million members through 597 clubs in the US and more than 200 internationally. Martin and his team oversee the complete end-to-end experience for members and associates, from the club’s back room to the member’s living room—and all the interactions in between.

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    Throughout his career, Martin’s design philosophy has always been to deliver business benefits through customer engagement and delight. Simply put, it’s to ‘take it from business to buttons’.

    Guest Quote

    "One of the things that we've seen and that has evolved over the years is that combination of physical and digital design. For retail, It's very relevant, just because as a customer, as a member, you do both. And why wouldn't we as experienced creators, think about both holistically?" – Martin Granström

    Time Stamps 

    *(01:10) Martin's Background

    *(05:34) When Martin joined Sam's Club

    *(07:34) Fostering designer engagement 

    *(09:22) "The Prototype a Month"

    *(11:37) Combining physical and digital design

    *(13:15) Reimagining Retail

    *(16:39) What is "Clubhouse?"

    *(21:20) How designing in a physical space informs digital experience

    *(24:36) Diving into design systems

    *(27:42) How have the holidays changed for retail?

    *(30:03) Rapid Fire Questions

    Links

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    Guest Bio

    Michael E. Kassan is the founder and CEO of MediaLink, a leading strategic advisory firm. Described as the “ultimate power broker,” he is a trusted advisor on speed dial with every major executive in the media, marketing, entertainment and technology C-Suite. Kassan and his global team of more than 200 specialists provide counsel for navigating the age of digital disruption in areas including: marketing transformation, data and technology solutions, growth strategy, private equity advisory, executive search and talent advisory, and entertainment, sports and culture marketing. MediaLink is a part of United Talent Agency (UTA), which, together with Kassan, acquired the firm from Ascential pLc in 2021. Kassan had sold to Ascential pLc in 2017. In 2019, Kassan was inducted into the American Advertising Federation’s Hall of Fame, which is considered the highest honor in advertising.

    Prior to founding MediaLink in 2003, Kassan was President/COO and Vice-Chairman of Initiative Media Worldwide, growing billings from $1.5 billion to over $10 billion. Before that, he was President and COO of International Video Entertainment (Artisan Entertainment).

    In addition, Kassan has served on the Board of the Hollywood Radio and Television Society, the Commission on California State Government Organization and Economy and the Cultural Affairs Commission – City of Los Angeles and has been Chairman of the State Senate Select Committee on the Entertainment Industry. Kassan currently serves as Chair of the UJA-New York Marketing Communications Committee as well as on the Boards of the American Advertising Federation, the Ad Council, and the Hollywood Radio and Television Society. He served as Chairman of the California State Senate Select Committee on the Entertainment Industry.

    Guest Quote

    "Chief Marketing Officers necessitate more technology decisions than ever before, and Chief Technology Officers need to make more marketing decisions than ever before. I was a CEO that did understand that the person with the pocket square (CMO), and the person with the pocket protector (CTO) actually had to have the same pockets." – Michael Kassan

    Time Stamps 

    *(01:49) What does the CEO not know about the CMO?

    *(04:17) The evolution of the CMO

    *(07:48) Why it all comes down to storytelling

    *(10:07) How a succesful CMO proves value

    *(12:57) Who is responsible for customer experience?

    *(14:25) Why you need your brand to excel on all platforms

    *(16:12) Taking lessons from the quick service industry

    *(18:08) The power of surprise and delight

    *(20:02) Where does the responsibility lie for a mobile app?

    *(22:12) What marketing trends are out there between industries?

    *(27:17) The push and pull of advertising your core beliefs

    *(29:38) Rapid Fire Questions

    Links

    Pizza to Platform: How Red’s Savoy Pizza Leverages Mobile to Bolster Brand Loyalty with CEO Reed Daniels

    Pizza to Platform: How Red’s Savoy Pizza Leverages Mobile to Bolster Brand Loyalty with CEO Reed Daniels

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    Guest Bio

    Reed Daniels is a proficient marketing professional and the President and CEO of Red's Savoy Pizza, an iconic pizza brand with over 19 locations. Throughout his career, Reed has focused on combining his invaluable marketing expertise with his passion for driving customer engagement. 

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    Guest Quote

    “We designed the program called ‘Thank You Awards.’ We could say thank you for choosing us: ‘Here's a free cheese bread, here's wings.’ Kind of like an insider club, and it reminded me of back to our original location where it's like a lot of bars take care of the regulars, right? And that's a way for businesses to know, and appreciate, and think of the regulars.” – Reed Daniels

    Time Stamps 

    *(01:18) Red's Savoy Pizza Origins

    *(04:51) How Reed transitioned into the business

    *(06:18) What is 'Sota Style Pizza?

    *(07:06) How “brand won” for Red's during the pandemic

    *(12:42) Where can you foster loyalty with your customers?

    *(17:27) Red's "Six Two" List and the path to becoming the first choice

    *(22:41) Are you delivering real value to your customers?

    *(29:53) Taking lessons from other successful brands

    *(31:33) Why you should already be using live activities

    *(34:02) Rapid Fire Questions

    Links

    Unlocking the Mobile Secrets to Holiday Retail Success with Sienne Veit, Founder & Director of Invisible Stuff

    Unlocking the Mobile Secrets to Holiday Retail Success with Sienne Veit, Founder & Director of Invisible Stuff

    In today’s episode, Tom Butta sits down with Sienne Veit, an esteemed executive in the retail space, to discuss the power of mobile apps in unlocking retail success during the holiday season. Veit emphasizes how mobile apps have become the key to empowering retailers by bridging the gap between the digital and physical worlds. By joining and knowing the customer, retailers can leverage apps to provide personalized experiences, enabling customers to plan purchases, access product information and enhance their in-store journey.

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    Guest Bio

    Sienne has 25 years of experience in leading digital retail and technology products. She has a strong commitment to creating customer-centered products and innovative solutions in mobile, social, and omni-channel retail. She has held leadership roles at well-known UK and European brands like Kingfisher Plc (B&Q, Screwfix, Castorama & Brico Depot), John Lewis & Partners, Marks & Spencer, and Morrisons. She has also collaborated with industry leaders such as Sony Playstation, Coca Cola, and eTV (South Africa).

    Early in her career as a product innovator, Sienne played a key role in introducing pioneering concepts in UK high street retail. She developed a personal styling application for fashion store employees, launched the UK's first mobile website for shopping at M&S, created a groundbreaking smart TV application for the fashion industry, and spearheaded the development of the first social and mobile gamified Facebook app for donating clothes. She also introduced the first mobile taste test, allowing customers to discover and buy the perfect wine. Most recently, her team built a DIY marketplace at B&Q that uses AI recommendations.

    Motivated by her passion for crafting mobile experiences that customers love and for building successful products through joyful and productive teams, Sienne founded Invisible Stuff, a consultancy dedicated to helping organisations craft outstanding customer-centric digital experiences. The name "Invisible Stuff" began as a family joke, reflecting her lifelong commitment to integrating technology seamlessly with customer experiences, making it virtually invisible.

    Guest Quote

    “Mobile is the most personal of devices. It's always there, it's always on, and increasingly it's the thing we reach for in the moments that matter. When we want to check something, when we want to research something, when we see something we like, we take a picture or we immediately search to find it. It captures all of our finest moments, our best moments with our families, with our friends, it's a key productivity tool. And because of that, it just has so many interesting ways that we can use it to make people's lives better, easier, happier, and more fulfilling. And I think that's what really excites me.” - Sienne Veit

    Time Stamps 

    *(01:24) Sienne's background in the retail industry

    *(04:26) Create an obsession with mobile as a platform

    *(06:20) How mindsets have changed around mobile design

    *(08:28 Why retail brands find success when adopting mobile early

    *(12:21) Glueing the physical and digital world together 

    *(16:54) Who should own a brand's mobile experience?

    *(19:05) Life before download vs. life after download

    *(23:52) Achieve your biggest retail wins this holiday season

    *(30:09) Where AI fits into all of this

    *(33:08) Should we say goodbye to email for good?

    *(35:15) Rapid Fire Questions 

    Links

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    Guest Bio

    Jonathan Kay is the Co-Founder and CEO of Apptopia, the app data insights and intelligence company, with clients including Google, Zoom, Visa and NBC. A mobile pioneer, Kay entered the market in 2011 to add transparency to the mobile ecosystem through modeled data estimates, and level the playing field.

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    Guest Quote

    “People now have more control over their data, and I think you're gonna see it get even more personalized because at the end of the day, it's just better for you. And I think once people just get more comfortable with it through repetitive, redundant education, they'll realize that more often than not, it provides you with a better experience.” - Jonathan Kay

    Time Stamps 

    *(01:11) Jonathan and Apptopia's background

    *(03:39) How the App landscape has changed since 2011

    *(04:45) What data signals you should be watching out for

    *(08:05) Deep dive on how data is gathered and analyzed

    *(10:38) One App to rule them all? Mega-Apps vs. Separation

    *(14:26) The expansion of social media applications

    *(16:09) Data privacy trends

    *(20:40) Ways the economy impacts mobile usage

    *(27:54) Rapid Fire Questions 

    Links

    Interacting with Your Customers at the Right Time and in the Right Way, with Tom Burrell, SVP of Retention Marketing at DAZN

    Interacting with Your Customers at the Right Time and in the Right Way, with Tom Burrell, SVP of Retention Marketing at DAZN

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    Burrell provides an inside look at what technologies he and his team utilize to give DAZN users both engaging and unobtrusive interactions, with some of their newest features including real time sport messaging and the ability to follow your favorite teams even while you’re busy. You’ll also hear Burrell’s thoughts around maximizing customer interaction within well-defined life cycle stages. 

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    Guest Bio

    Tom Burrell is the SVP of Retention and Lifecycle Marketing at DAZN, an international over-the-top sports streaming service. In his current role, he is focused on retention marketing and keeping his customers engaged and subscribed. Tom has had quite the journey from data planning to CRM, where he has worked on both the agency and client side. 

    He has led Customer, CRM, Data, Digital and Marketing Departments, Programs and Projects, consultancy & client side for over 20 years. His big superpower? Enabling brands to leverage data and advanced analytics to drive customer centric commercial growth across all stages of the customer lifecycle.

    Previously, he was based in the Middle East as Global CRM Director for DigitasLBi, after which he went on to become Head of CRM and Marketing at Man Utd. Most recently ,he headed up Customer Marketing at TalkTalk, before getting back to all things sport and moving over to DAZN.

    Guest Quote

    “So, it's really really important to, in an organization like DAZN, make sure that you're dropping the right interaction to the right customer in the right way. Both to support them as a sports fan and getting the best out of the platform, but also to drive the success of our business commercially as well.” – Tom Burrell

    Time Stamps 

    *(00:49) Background on Tom Burrell

    *(02:55) Driving customer growth throughout the entire lifecycle

    *(06:36) How to build your playbook

    *(10:45) Learning through testing 

    *(11:40) Why onboarding is critical to user numbers 

    *(17:33) Showing customers all your value

    *(21:19 What tools does DAZN lean on

    *(22:46) Can one vendor do it all?

    *(24:48) Rapid Fire Questions



    Links

    Can You Trust a Machine with Your Data? Featuring Lior Gross, Director of Software Development at Caliente

    Can You Trust a Machine with Your Data? Featuring Lior Gross, Director of Software Development at Caliente

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    Lior shares his experience as the first technical hire in the door when Caliente decided to pursue a joint venture with the organization, Playtech, and what he’s prioritized as he’s grown his team since. Tom learns how a natural collaboration between teams at Caliente has translated into a better overall customer experience and plugged up any knowledge gaps that may have existed in the past. 

    Later on in the conversation, Tom and Lior discuss where they think AI might help or hinder mobile experiences for both consumers and brands. Lior shares where Caliente is looking to employ AI versus advanced algorithms, why there might need to be less data collected in the future, and how that data will probably be safer in the hands of a computer. 

    Guest Bio

    Lior Gross is a CTO & Director of Software Development with 10 years’ experience in web and app development and a strong background in the gaming industry. He has been with Caliente Interactive since 2014, and leads the daily operations of the Software Development Department, which he established from scratch. 

    His expertise is translating business strategy into tech solutions, achievable plans, and measurable outcomes. He has successfully directed countless software-based technological projects, including multimillion-dollar programs for leading multinational companies. He has managed over 70 gaming apps on Apple Appstore and Google Play with 30M+ users worldwide - and regularly prevented and solved issues for hi-loaded applications. In addition, he has directed technical accounts for high-profile, tier-one company partners including Fox Sport (Mexico), ESPN (Global), Facebook, Google, and BBVA Bank.

    Guest Quote

    “So who do you trust more with your data? A machine or a person? To be honest, I trust the machine more because I think it has nothing to gain from my data. And if you have AI to comb through all this data, and find the data points you need to collect, I think AI can improve it and maybe even collect less data than is collected today.” – Lior Gross

    Time Stamps 

    *(01:15) Lior's Background

    *(03:35) What is Caliente?

    *(05:16) Why is cross-functionality something you should pursue?

    *(07:44) The benefits of working together

    *(08:56) Plugging up gaps between departments from Day 1

    *(12:18) How AI will change the App Landscape

    *(16:03) Will users need to give up more data for AI?

    *(19:17) Is Web going to go away anytime soon?

    *(22:14) When to make a "Super App"

    *(24:49) Trends Lior sees on the horizon

    *(29:29) Rapid Fire Questions



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