A Decade of Building State Capability - Andrew Lawson
To learn more about Building State Capability (BSC), visit the website, access the PDIA toolkit, read BSC blog posts, and listen to the podcasts.
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Explore " pfm" with insightful episodes like "A Decade of Building State Capability - Andrew Lawson", "How AI-enriched data aggregation is empowering the next generation of financial institutions, with Envestnet's Farouk Ferchichi", "275: Lab Day West Coast Stories Part 2 with Heather Voss and Daniel Serrago", "269: Wrapping It All Up at the Ivoclar Ballroom From Lab Day Chicago with Susan van Kinsbergen, Neal Allen, Julio Munoz, Zack Wojdan" and "Reinventing the credit card as a Fintech super app" from podcasts like ""Building State Capability Podcast", "The Fintech Blueprint", "Voices from The Bench", "Voices from The Bench" and "The Fintech Blueprint"" and more!
Episodes (12)
How AI-enriched data aggregation is empowering the next generation of financial institutions, with Envestnet's Farouk Ferchichi
Lex chats with Farouk Ferchichi, the President of Data and Analytics at Envestnet - supplies financial and wealth management technology and services to financial institutions. Farouk starts off by delving into the journey of understanding data and analytics. The conversation explores the challenges and dynamics of embracing quantitative decision-making across industries, emphasizing the transformative power of Yodlee in financial data aggregation. Farouk explains how Yodlee's scope has evolved from Personal Financial Management (PFM) to encompassing brokerage, spending, and credit data. Lex and Farouk also discuss the diversification of distribution by integrating payments and banking data beyond the advisory experience. Farouk provides valuable insights into navigating fintech market dynamics, striking a balance between payment trends and asset-based stories. The discussion culminates in a vision for revolutionizing financial identity through unifying data and enabling personalized decisions with AI.
MENTIONED IN THE CONVERSATION
Envestnet's Website: https://bit.ly/3r03h95
Yodlee's Website: https://bit.ly/45ucdT8
Farouk's LinkedIn profile: https://bit.ly/3L75W7A
Topics: Data, analytics, AI, embedded finance, aggregation, machine learning, AI, deep learning, neural networks, PFM, Wealth management
Companies: Envestnet, Yodlee, Amazon
ABOUT THE FINTECH BLUEPRINT
🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2
🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV
👉 Twitter: https://twitter.com/LexSokolin
TIMESTAMPS
1’40”: Journey to understanding data and analytics: Definitional experiences and core insights
10’12”: Embracing quantitative decision-making: Challenges and dynamics across industries
15’15”: The power of Yodlee: Evolution and impact in financial data aggregation
23’16”: Expanding Yodlee’s scope: Evolution from PFM to aggregating brokerage, spending, and credit data
26’12”: Diversifying distribution: Integrating payments and banking data beyond the advisory experience
27’54”: Navigating fintech market dynamics: Balancing payment trends and asset-based stories34’23”: Revolutionizing financial identity: Unifying data and enabling Personalized decisions with AI
36’36”: The channels used to connect with Farouk & learn more about Envestnet and Yodlee
Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD.
Contributors: Lex, Laurence, Matt, Farhad, Mike, Daniella
Want to discuss? Stop by our Discord and reach out here with questions.
275: Lab Day West Coast Stories Part 2 with Heather Voss and Daniel Serrago
On August 27th many brave and fearless dental technicians will take to the water and road to participate in the 2023 Chicago Triathlon (https://www.chicagotriathlon.com/). They don't do it for fame or personal gain, but to raise money for the Foundation For Dental Laboratory Technology (https://dentallabfoundation.org/).
PLEASE head over to dentallabfoundation.org (https://dentallabfoundation.org/) and click the DONATE TODAY button. Log in and choose the “Race for the Future” option. There you can put the name of a racer you want to sponsor. You can put:
Barb Warner
Team Abutments (Elvis Dahl, Mark Williamson, Bobby Kennedy)
Voices From the Bench (50/50 split between Barb and Elvis' team)
Come see Elvis and Barb on stage together for the first time as we record an episode in front of a live audience!
Register for the Ladies of the Mill Summit in Chattanooga, TN on July 21-22 (https://www.ladiesofthemill.com/)
Back in May, Elvis and Barb loaded up the gear and headed out to LMT (https://lmtmag.com/) Lab Day West to record some of the amazing people that attend that show. Thanks to Ivoclar (https://www.ivoclar.com/en_us), a table was set up in the main hall and a constant flow of conversations happened. This week we start off talking with the President of the National Association of Dental Laboratories (https://nadl.org/), Heather Voss. Heather is on a dental lab show tour this year to promote community engagement with the industry. Heather talks about the NADL, some of the great things they are working on, and why a lab should join. Then the man who can fix anything stops by the table, Daniel Serrago, owner of Garland Dental Services (https://garlanddental.com/). Daniel talks about getting into the handpiece repair business, accidentally discovering dental labs, moving his skills to more modern equipment, and some interesting facts he's learned along the way.
Did you know that not all Zirconia is the same?
ZirCAD Prime (https://www.ivoclar.com/en_li/products/digital-processes/ips-e.max-zircad-prime-family) Zirconia from Ivoclar (https://www.ivoclar.com/en_us) is uniquely produced with Gradient Technology which allows two powders that normally sinter at different intervals, to be combined into one material which sinters uniformly. The manufacturing process not only optimizes the translucent properties but also creates a seamless progression of shade while maintaining optimal strength.
ZirCAD prime is now more affordable than ever and will give you results that your Dentists will notice! Contact your local Ivoclar Sales representative today to find out more about Prime and how Ivoclar can support your success!
Special Guests: Daniel Serrago and Heather Voss MBA, CDT.
269: Wrapping It All Up at the Ivoclar Ballroom From Lab Day Chicago with Susan van Kinsbergen, Neal Allen, Julio Munoz, Zack Wojdan
Can you believe that LMT (https://lmtmag.com/) Lab Day Chicago was almost 3 months ago? We got 7 hours of recordings when we were set up in the Ivoclar (https://www.ivoclar.com/en_us) Ballroom. This week wraps it all up with 4 amazing conversations from that wonderful weekend.
First up is Susan van Kensbergen who is the Vice President of Myerson (https://www.myersontooth.com/). Susan talks about her journey from being a ceramist, moving up in lab responsibility, managing the world's largest LAVA milling center, and finding her new home at Myerson, the home of Durflex (https://www.myersontooth.com/duraflex/) and an upcoming "game changing" printer.
Then we chat with Neal Allen from Mustard Seed Dental Studio (https://www.mustardseeddental.com/). Neal spent 20 years in a large lab before moving into a growing lab owned by a Prosthodontist. Neal talks about the importance of creating a happy lab culture and treating the employees like family.
Next is the "better" half of Artifex Dental Lab (https://artifexlab.com/), Julio Munoz. Julio grew up in Bolivia where he is a board-certified Oral Surgeon. A lady brought him to the US where he connected with Artifex and helped create the "Triple Jig" technique for full arch implant restorations.
We wrap us the whole weekend with a special treat, Barb's technician son, Zack Wojdan. Zack talks about growing up in the lab, starting at the beginning, working his way up, working with his mom, and goals for the future.
A BIG thanks to LMT for putting on an amazing weekend and a BIGGER THANKS to Ivoclar for hosting us.
The new PrograScan PS3 and PS5 (https://www.ivoclar.com/en_us/products/digital-equipment/prograscan-ps5-and-ps3-laborscanner) provide true-to-detail, high-resolution and accurate scans for coordinated digital workflows that are precise, fast, and always accurate.
The PS3 and PS5 are powered by the popular and intuitive DentalCAD software from Exocad (https://exocad.com/). Whether you are looking for your first scanner, to upgrade or add to your existing scanners, the PrograScan may be the one for you.
Reach out to your friendly Ivoclar (https://www.ivoclar.com/en_us) sales representative to select a scanner that matches the needs of your lab Today and tell them you heard about it on the podcast!
Candulor (https://www.candulor.com/en-us) a dental supply company from Switzerland has solutions no matter if you are analog or digital
Check out their PhysioSet TCR (https://www.candulor.com/en-us/product-portfolio/tooth-lines/physioset-tcr) tooth line that has been complemented with 18 new shapes. A total of 48 age-appropriate anterior tooth shapes are available for the laboratory or dental practice to select from.
The Swiss School of Prosthetics (https://ssop.swiss/en-us) in Springfield, Missouri is the place to learn all things removable. America with get supported and supplied by the only authorized partner Edmonds Dental Supply (https://edmondsdentalsupply.com/)
Candulor, High End Only
Special Guests: Julio Munoz CDT, Neal Allen, Susan van Kinsbergen, and Zack Wojdan.
Reinventing the credit card as a Fintech super app
Lex chats with Siddharth Batra, Co-founder at X1 Card, about his experience in technology and software development. X1 is a FinTech company that has created a smart credit card and has become one of the top 100 credit cards in the US with a waitlist of 600,000 people. Together, they discuss how Sid has articulated his consumer product building learnings from his experience as head of engineering at Twitter to revolutionise the traditional credit card into a B2C financial super app. Touching on X1's growth strategy and how it is focused on a consumer product approach rather than traditional marketing techniques. This has allowed them to have a 10x better referral rate than traditional credit cards.
MENTIONED IN THE CONVERSATION
X1's website: https://bit.ly/3J9w404
Sid's Linkedin profile: https://bit.ly/3ywr6Wh
Topics: Fintech, paytech, artificial intelligence, consumer, credit, b2c, pfm
Companies: X1, Twitter, Venmo, Apple, Robinhood
ABOUT THE FINTECH BLUEPRINT
🔥Subscribe to the Fintech Blueprint newsletter to stay at the forefront of Fintech and DeFi: https://bit.ly/3hyhlC2
🤝 Partner with Fintech Blueprint through sponsorships: https://bit.ly/3UZllsV
👉 Twitter: https://twitter.com/LexSokolin
TIMESTAMPS
1’36”: Sid’s foundational experiences in technology & what laid the groundwork for his career
8’49”: Using Stanford and network thereof as the launchpad to becoming a startup founder
11’52”: Joining Twitter and learning about consumer behaviour and consumer’s relationship with social media content
15’43”: How building consumer products at Twitter formed the basis for the articulation towards Fintech
17’13”: X1 - what it is, how it started, what is a smart card, what is the software that differentiates it from competitors and the volume growth since its inception
25’38”: X1’s feature set, issuing bank, its underlying regulatory structure, and the underwriting credit policy for users
29’02”: X1’s economics and the crucial component to X1’s success vs the likes of Apple Card
33’21”: The winning formula - creating a step function better product for X1’s prime audience and then offering rich feature sets
37’10”: X1’s long term ambitions and why they are positioned better relative to other Fintechs in the market
42’13”: Channels to use to connect with Sid & learn more about X1
Disclaimer here — this newsletter does not provide investment advice and represents solely the views and opinions of FINTECH BLUEPRINT LTD.
Contributors: Lex, Laurence, Matt, Farhad, Mike, Daniella
Want to discuss? Stop by our Discord and reach out here with questions.
241: Well Crafted at Pro-Craft with Cirenia Tobon & Dylan Schubert
When given an opportunity to learn how another lab is run, one should always listen because you never know what you might pick up. Cirenia Tobon learned the trade from her uncles in Mexico. After moving to the US and running her own lab, she now runs the removable department at Pro-Craft Dental Laboratory (https://www.pro-craft.com/) in California. Dylan Schubert grew up in his father's lab and after realizing how much he loves it, became the classic 2nd generation lab owner. Together they talk about all the great things they are doing in their lab like hiring, training, workflows, and the move from analog to digital.
Have you seen the high prices of precious metal these days? Kulzer Refining (https://www.kulzerus.com/en_us/en_us/heraeuspreciousmetalsrefining/scraprefining.aspx) knows that you are using less Precious metal in your lab these days, but if you send in half of what you sent in 5 years ago ,your scrap return will be higher than it was 5 years ago! You won’t believe how much money your scrap is worth right now!
Kulzer Refining reimbursement to you is after their 10% refining fee. They have zero additional fees! If you need any free shipping containers, which contain a UPS prepaid, full insured label, please visit
mydental360.com/refining or call the Director of Precious Metal Refining, Tony Circelli, directly at
(914) 906-1843. Mention the Voices From the Bench podcast and Kulzer Refining will add an extra 5% to your scrap! Kulzer Refining. Tested, Trusted, and Honest.
Whip Mix (https://www.whipmix.com/) is thrilled to announce their most recent addition to their milling product line. Introducing the DWX-53DC (https://www.whipmix.com/products/roland-dgshape-dwx-53dc-dental-mill/) from DGSHAPE. This powerful mill satisfies your 'NEED FOR SPEED'. Three reasons to consider this mill:
1. It has 3 times the gripping power for PMMA.
2. It mills 30% faster.
3. The integrated webcam allows you to monitor a milling project from anywhere, on any device.
Go to tinyurl.com/WhipMixRolandMill to learn how you can take your milling to the next level.
Special Guests: Cirenia Tobon and Dylan Schubert.
211: The Buzz around The Hive with Emily & Eleanor Pittard
When we see unique and interesting labs online, we get to have them on the podcast and talk to them. That is exactly what we did when we saw The Hive (https://www.thehivedental.co.uk/) on Instantgram (https://www.instagram.com/hive_dental_laboratory/). Turns out it owned by Eleanor and Emily Pittard. Together they have created an amazing award winning (really) dental laboratory (https://www.thehivedental.co.uk/the-dentistry-awards-2021/) in Dorset, UK. Emily is a Clinical Dental Technician (think denturist) and Eleanor is the mastermind behind the business and marketing. They talk about creating The Hive, taking it mobile during the pandemic, setting it up to see patients directly, and making sure they are giving back to the environment.
If you want to save, and also grow, Gro3X (https://www.gro3x.com/) is, where you should go!
Resins (https://www.gro3x.com/collections/print) to print night guards, for high-impact and flex, look no further, because we have them at Gro3X.
Burs (https://www.gro3x.com/collections/mill) for your mills, Zirconia (https://www.gro3x.com/collections/aidite) for your crowns, with Gro3X you will be the hottest lab in town!
And last but not least, if you seriously want to grow, add Gro3X Aligners (https://www.gro3x.com/pages/aligners), and your doctors will say Wowww!
Whip Mix’s outstanding VeriEKO LCD 3D Printer (https://www.whipmix.com/products/whip-mix-verieko-dental-3d-printer/) delivers fast print speed and exceptional accuracy, due to its 95% LED light uniformity. Print temporary and permanent crowns and bridges, models and dies, surgical guides, splints, custom trays, and even dentures with Whip Mix’s VeriModel OS, VeriGuide OS, KeySplint Soft, Dentca Denture, Dentca Temporary Crown & Bridge, Bego VarseoSmile Crown plus, Bego VarseoSmile Temp, VeriCast OS, and VeriTray resins (https://www.whipmix.com/product-overview/?product-cat=3d-print-resins).
VeriEKO, with its 120 X 80mm print plate, is ready to prove its printing power right out of the box with 54 calibrated LEDs for curing consistency, ultra-accurate and smooth prints with its 49 micron pixel-size, and an easy-to-use touchscreen.
If you’re looking for a compact, fast and accurate 3D printer, call (800) 626-5651, or visit whipmix.com for more information or to order the Whip Mix VeriEKO 3D printer.###
If you’re looking for a compact, fast and accurate 3D printer, call (800) 626-5651, or visit whipmix.com for more information or to order the Whip Mix VeriEKO 3D printer.
Special Guests: Eleanor Pittard and Emily Pittard.
20. The future is fintech - how technology is impacting the way we borrow money
Do you have regrets? Wishing you could turn back the clock and buy bitcoin instead of studip sh*t? Check out bitcoinorshit.com.
Julian Antonescu is a representative from MoneyMe.
Do us a favour and complete the listener survey. It takes 5 minutes and it's the best way to let us know what it is that you're thinking and what you'd like to hear on the show.
If you'd like to get a full picture of your financial health Download the WeMoney app. Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.
Disclaimer
We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation
Digit's Ethan Bloch on the future of personal finance
On this episode of Fintech Unfiltered, sponsored by Q2 {open}, we spoke to Digit founder and CEO Ethan Bloch on Digit's next steps and the future of personal finance. Bloch emphasized the goal is not to replace the bank but to help customers manage their money better through automation. This is an excerpt from a phone interview.
Prog Review 19: Photos of Ghosts - PFM
Buy your copy of this album here:
http://amzn.to/photosofghosts
This time I take a look at a band hailing from Italy that under the guiding light of Peter Sinfield and ELP had a little bit of success outside their native isles.
Download the album from eMusic here: http://bit.ly/pJcbd4
Music used in this video.
Title Music:
"Stinkhorn" by Darren Lock (that's me)
Background Music:
"Crystal Winter" by Darren Lock
"Wordless in Starry Trees" by Darren Lock
"Red Shift" by Darren Lock
"Steady State of Flux" by Darren Lock
To buy this music, visit my iTunes page:
http://bit.ly/m53fg8
Or my own music page:
http://music.darrenlock.com
Or perhaps I can interest you in a T-shirt:
http://lock.spreadshirt.co.uk
Connect via social media:
http://www.facebook.com/darren.k.lock
http://www.twitter.com/darren_lock
A First Look at a BruxZir Solid Zirconia Bridge to Replace a Failed PFM Roundhouse Bridge
In this clinical video from Glidewell Laboratories, Dr. Michael C. DiTolla, DDS, FAGD, presents this 52-year-old male patient with a broken PFM roundhouse bridge that had fractured between the two anterior abutments. The patient was not interested in multiple implants and was simply happy to have a new roundhouse bridge.
The Benefits of CAD/CAM Restorations
Dentists do not have to change what they currently do to enjoy the benefits of CAD/CAM dentistry. With this presentation, you will understand the latest advances in dental laboratory technology and restorative options and what they mean to you and your patients. The practice tips and techniques that are presented will help you expect more and get more from your dental laboratory; and, your patients will be happier and more satisfied with their restorative results. From cementable ceramics to CAD/CAM PFMs, before and after images in different clinical situations show the realization of restorative excellence that can be accomplished.