Data-Driven Finance: The Financial Intelligence Podcast

Building Wealth with David Myszewski of Wealthfront

Our guest on this episode of Yodlee’s Data Driven Finance [https://resources.yodlee.com/podcasts] is David Myszewski [https://www.linkedin.com/in/davidmyszewski/], Vice President of Product at Wealthfront. Dave oversees product development, consumer research, and client support. He spent 12 years at Apple, even contributing to the engineering team that developed the first iPhone. He has a Master's and Bachelor's degree in Computer Science from Stanford. And our questions for Dave are around wealth building access for young adults. Topics covered include: * The biggest barriers for young professionals when it comes to building wealth * The role financial institutions should play in educating young people * Why young investors should not neglect the tax implications of their trades * Lessons from helping develop the iPhone that were brought to fintech product development * Letting customer support inform product development * The multiple components of wealth building * The philosophy of product-market fit * How connected data helps lead to better products * Trying to develop product amidst rapid technological change * Millennial vs Gen Z wealth building and fintech tool behavior   Helpful Links: Wealthfront [https://www.wealthfront.com/]

ACH Rules with Nacha's Amy Morris

Our guest on this episode of Yodlee’s Data Driven Finance podcast [https://datadrivenfinance.podbean.com/] is Amy Morris [https://www.linkedin.com/in/amy-morris-0a91087/]. Amy is Senior Director, ACH Network Rules at Nacha and prior to that, she was Business Leader for Global Operating Regulation Development at VISA. She is a true specialist in the electronic payments world, having worked for more than 15 years as part of multiple councils and working groups that deal with electronic payment rules. There are some new rules and deadlines coming from Nacha that financial institutions should know, so in this episode we cover topics such as: * What Nacha does and who it serves * Some of the big changes to the Nacha ACH Network Operating Rules * How a business or financial institution can be ready for the rule changes * Compliance deadlines you need to know * How new rules or amendments get suggested and implemented * Rules that are currently under consideration for passage * How rules are enforced * How improvements in data gathering and analysis influence ACH Network rules and operations * How electronic payments development and usage are trending * The challenges institutions face in compliance and how Nacha helps * Best high-level advice for financial institutions   Some Helpful Links: Nacha [https://www.nacha.org/] Nacha on YouTube [https://www.youtube.com/nacha] Nacha on LinkedIn [https://www.linkedin.com/company/nacha/] Nacha News [https://www.nacha.org/news] Nacha free end user webinar [https://www.nacha.org/content/webinars]

Product Development with Neighborhood Trust's Theo Vaughn

Our guest on this episode of Data Driven Finance [https://resources.yodlee.com/podcasts] is Theo Vaughn [https://www.linkedin.com/in/theo-vaughn/], Director of Product Services at Neighborhood Trust Financial Partners [https://neighborhoodtrust.org/]. Prior to his current role, Theo was Chief Experience Officer at Catapult Credit Services and Product Engagement Manager at Agora Data. He is celebrated as someone skilled in the art of cross-collaboration, and product development and management. We explore Theo’s experience guiding products in the finance space, covering such topics as: * The approach and philosophy around product directing and product management. * Aligning stakeholders around what the best product should be. * How do you know what’s “right” for the product? What signals do you take in and take seriously? * Scaling technology to match ambitions. * What typical organizational needs product directors are finding. * Maintaining the balance between human and technological interactions. * The challenges product directors tend to face. * How connectivity in the financial space leads to product possibilities. * The pillars of trust that lead to consumer product adoption and high usage. * Is it even possible for product development to keep up with today’s huge and rapid changes?

Responsible Lending Through Data with David Silberman

In this episode of Data Driven Finance, we talk with David Silberman [https://www.linkedin.com/in/david-silberman-1143414a/]. David is a Visiting Lecturer in Law at Yale Law School as well as a Senior Advisor to the Center for Responsible Lending, the Financial Health Network, and other notable organizations. He taught and lectured at Georgetown University and Harvard University, and was the Consumer Financial Protection Bureau’s Associate Director for Research, Markets and Regulation from November 2010 to February 2020. In this episode, we cover such topics as: * What the Center for Responsible Lending does * Results of some of the Center’s research * What the Financial Health Network aims to do * What lenders are doing to get better information and data to make better decisions * The current problems with credit scores as indicators of credit-worthiness * Where technology has (and hasn’t) made the loan application process easier for consumers * What lenders are looking for in cash flow data * Improving inclusivity while still making responsible loans * What defines financial health * Advice on wealth building for Gen Z   Some Helpful Links: Center for Responsible Lending [https://www.responsiblelending.org/] Financial Health Network [https://www.finhealthnetwork.org/] Yodlee [resources.yodlee.com/podcasts]

Jeff Cain of Fidelity on Tech's Role in Building Wealth

Our guest on this episode of Data Driven Finance is Jeff Cain, VP Fintech Research at Fidelity Investments. Before that he was Head of Partnerships at Brightside and spent eight years at Yodlee. Jeff got his Bachelor’s Degree in Economics at Stanford and a Masters from Harvard. We’re not really talking about Fidelity; we’re going bigger picture and getting Jeff’s personal take on wealth building and tech’s role in that. Topics covered include: * How customers can be segmented to track behaviors, demographics, and goals. * Are behaviors driving technology or are tech innovations changing what consumers want? * How are finserv businesses doing at keeping up with consumer demands and innovating around those? * What are the big trends in financial consumer behavior? * And likewise, what are the coming trends in fintech? * When it comes to the third-party apps and players, what’s going to separate the winners from the losers? * Why should banks and financial institutions fully embrace APIs, data sharing, and open banking? * What to look forward to and what to be cautious about as we move through 2025.   Helpful Links: Fidelity Center for Applied Technology [https://www.fcatalyst.com/overview] Jeff Cain on LI [https://www.linkedin.com/in/jeff-cain-90b69/]