Episode 56 - The Death of the TMS as We Know It? with Bob Stark (Kyriba)

Episode 56 - The Death of the TMS as We Know It? with Bob Stark (Kyriba)

In this episode of The Treasury Whisperer’s Talkcast Podcast, host Seth Marlowe interviews Bob Stark, Head of Market Strategy at Kyriba (www.kyriba.com [http://www.kyriba.com]), for a wide-ranging conversation on the evolution of treasury technology andwhere it goes next. Seth and Bob look back at the early days of treasury management systems, dial-up bank connectivity, DOS-based tools, painful upgrades, and the long-running challenges of cash visibility, forecasting, and automation. They then explore how treasury has moved from a cost-centerperception to a strategic partner for the CFO, why data and connectivity remain the foundation of treasury transformation, and how AI may reshape the TMS experience into something more headless, intelligent, and interactive. The conversation also covers AI governance, repeatability, precision, token costs, stablecoins, ERP integration, and Bob’s advice for the next generation of treasury leaders. Links: Bob Stark on LinkedIn: https://www.linkedin.com/in/bob-stark-b614883/ [https://www.linkedin.com/in/bob-stark-b614883/] Seth Marlowe on LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/treasurywhisperer/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ [https://www.linkedin.com/in/treasurywhisperer/] The Treasury Whisperer's Talkcast Podcast website: ⁠https://www.treasurywhispererstalkcast.com⁠ [https://www.treasurywhispererstalkcast.com] The Treasury Whisperer's Talkcast Podcast on LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/treasury-whisperer%E2%80%99s-talkcast-podcast/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ [https://www.linkedin.com/company/treasury-whisperer%E2%80%99s-talkcast-podcast/] The Treasury Whisperer Network on LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/treasurywhisperernetwork/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ [https://www.linkedin.com/company/treasurywhisperernetwork/] Become a Patreon Member of The Treasury Whisperer's Talkcast Podcast: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://buymeacoffee.com/treasurywhisperer⁠⁠⁠⁠⁠⁠⁠⁠⁠ [https://buymeacoffee.com/treasurywhisperer] The Treasury Whisperer's Talkcast Podcast is a production of Treasury Whisperer LLC © 2025-2026 Any re-broadcast, re-transmission or other use of this podcast without the expressed written consent of Treasury Whisperer LLC is strictly prohibited. Disclaimer: The views and opinions expressed by the host and guests are their own and do not necessarily reflect those of their current or prior employers or affiliated organizations. All content is provided for informational and educational purposes only and should not be construed as financial, investment, legal, or professional advice. While efforts are made to ensure accuracy, no guarantees are made regarding completeness or timeliness.

Episode 55 - From Fintech Investing to the Future of Bank Strategy with Eric Schwartz (Canapi Ventures)

In this episode of The Treasury Whisperer’s Talkcast Podcast, host Seth Marlowe interviews Eric Schwartz, Operating Partner at Canapi Ventures (www.canapi.com [http://www.canapi.com]), for a wide-ranging conversation on fintech investing, bank strategy, AI, digital assets, embedded finance, and the evolving relationship between banks and technology providers. Eric shares how Canapi’s bank-backed venture model helps connect financial institutions with fintech and enterprise software companies, why founder-market fit matters, and where banks should focus amid the growing noise around AI, stablecoins, blockchain, and modernization. Seth and Eric also explore the shift of deposits and commercial banking experiences into ERP platforms, the importance of cleanand connected data, the challenge of bank-fintech vendor onboarding, and why the future of financial services depends on letting humans do what humans do best while machines handle what machines are built to do. Links: Eric Schwartz on LinkedIn: https://www.linkedin.com/in/eric-l-schwartz/ [https://www.linkedin.com/in/eric-l-schwartz/] Seth Marlowe on LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/treasurywhisperer/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ [https://www.linkedin.com/in/treasurywhisperer/] The Treasury Whisperer's Talkcast Podcast website: https://www.treasurywhispererstalkcast.com [https://www.treasurywhispererstalkcast.com] The Treasury Whisperer's Talkcast Podcast on LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/treasury-whisperer%E2%80%99s-talkcast-podcast/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ [https://www.linkedin.com/company/treasury-whisperer%E2%80%99s-talkcast-podcast/] The Treasury Whisperer Network on LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/treasurywhisperernetwork/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ [https://www.linkedin.com/company/treasurywhisperernetwork/] Become a Patreon Member of The Treasury Whisperer's Talkcast Podcast: ⁠⁠⁠⁠⁠⁠⁠⁠https://buymeacoffee.com/treasurywhisperer⁠⁠⁠⁠⁠⁠⁠⁠ [https://buymeacoffee.com/treasurywhisperer] The Treasury Whisperer's Talkcast Podcast is a production of Treasury Whisperer LLC © 2025-2026 Any re-broadcast, re-transmission or other use of this podcast without the expressed written consent of Treasury Whisperer LLC is strictly prohibited. Disclaimer: The views and opinions expressed by the host and guests are their own and do not necessarily reflect those of their current or prior employers or affiliated organizations. All content is provided for informational and educational purposes only and should not be construed as financial, investment, legal, or professional advice. While efforts are made to ensure accuracy, no guarantees are made regarding completeness or timeliness.

Episode 54 - The Instant Payments Maven's Instant Payments Reality Check with Marcia Klingensmith (Candescent)

In this episode of The Treasury Whisperer’s Talkcast Podcast, host Seth Marlowe interviews Marcia Klingensmith, banking modernization and ecosystem strategy leader at Candescent (www.candescent.com [http://www.candescent.com]) and author of The Instant Edge blog (www.substack.com/@instantpaymentsmaven [http://www.substack.com/@instantpaymentsmaven]). Marcia, known as the Instant Payments Maven, shares her perspective on why treasury and business banking may drive the next phase of instant payments adoption. The conversation explores RTP, FedNow, the “receive-only rut,” request for payment, QR pay codes, ISO 20022 data, fraud prevention, real-time data layers, and why banks need to modernize legacy infrastructure before chasing every new shiny object. Seth and Marcia also discuss stablecoins, tokenized deposits, the importance of send capabilities, and why financialinstitutions need a clear modernization strategy that connects payments, fraud, data, customer experience, and business banking execution. Links: Marcia Klingensmith on LinkedIn: https://www.linkedin.com/in/marcekmba/ [https://www.linkedin.com/in/marcekmba/] The Instant Edge on Substack: https://www.substack.com/@instantpaymentsmaven [https://www.substack.com/@instantpaymentsmaven] Seth Marlowe on LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/treasurywhisperer/⁠⁠ [https://www.linkedin.com/in/treasurywhisperer/]⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The Treasury Whisperer's Talkcast Podcast on LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/treasury-whisperer%E2%80%99s-talkcast-podcast/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ [https://www.linkedin.com/company/treasury-whisperer%E2%80%99s-talkcast-podcast/] The Treasury Whisperer Network on LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/treasurywhisperernetwork/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ [https://www.linkedin.com/company/treasurywhisperernetwork/] Support The Treasury Whisperer's Talkcast Podcast by Becoming a Patreon Member: ⁠⁠⁠⁠⁠⁠⁠https://buymeacoffee.com/treasurywhisperer⁠⁠⁠⁠⁠⁠⁠ [https://buymeacoffee.com/treasurywhisperer] The Treasury Whisperer's Talkcast Podcast is a production of Treasury Whisperer LLC © 2025-2026 Any re-broadcast, re-transmission or other use of this podcast without the expressed written consent of Treasury Whisperer LLC is strictly prohibited. Disclaimer: The views and opinions expressed by the host and guests are their own and do not necessarily reflect those of their current or prior employers or affiliated organizations. All content is provided for informational and educational purposes only and should not be construed as financial, investment, legal, or professional advice. While efforts are made to ensure accuracy, no guarantees are made regarding completeness or timeliness.

Episode 53 - Full Reserve Banking, Blockchain Settlement, and the Search for Truth with Scott Shay of N3XT

In this episode of The Treasury Whisperer’s Talkcast Podcast, host Seth Marlowe interviews Scott Shay, founder of N3XT (www.n3xt.io [http://www.n3xt.io]) and co-founder of Signature Bank, for a wide-ranging conversation on full reserve banking, blockchain-based settlement, programmable money, and the future of financial infrastructure. Scott explains how N3XT’s model differs from traditional fractional reserve banking, why 24/7 real-time movement of money can matter for corporate treasurers, and how use cases like intercompany funding, payroll, cross-border settlement, and working capital optimization could change with immediate finality. Seth and Scott also revisit Signature Bank, Signet, and the 2023 regional banking crisis before expanding into Scott’s work as an author on faith, conspiracy theories, antisemitism, academia, and the importance of grounding institutions in trust and truth. Links: Scott Shay on LinkedIn: https://www.linkedin.com/in/scott-shay/ [https://www.linkedin.com/in/scott-shay/] Seth Marlowe on LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/treasurywhisperer/⁠ [https://www.linkedin.com/in/treasurywhisperer/]⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The Treasury Whisperer's Talkcast Podcast on LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/treasury-whisperer%E2%80%99s-talkcast-podcast/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ [https://www.linkedin.com/company/treasury-whisperer%E2%80%99s-talkcast-podcast/] The Treasury Whisperer Network on LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/treasurywhisperernetwork/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ [https://www.linkedin.com/company/treasurywhisperernetwork/] Support The Treasury Whisperer's Talkcast Podcast by Becoming a Patreon Member: ⁠⁠⁠⁠⁠⁠https://buymeacoffee.com/treasurywhisperer⁠⁠⁠⁠⁠⁠ [https://buymeacoffee.com/treasurywhisperer] The Treasury Whisperer's Talkcast Podcast is a production of Treasury Whisperer LLC © 2025-2026 Any re-broadcast, re-transmission or other use of this podcast without the expressed written consent of Treasury Whisperer LLC is strictly prohibited. Disclaimer: The views and opinions expressed by the host and guests are their own and do not necessarily reflect those of their current or prior employers or affiliated organizations. All content is provided for informational and educational purposes only and should not be construed as financial, investment, legal, or professional advice. While efforts are made to ensure accuracy, no guarantees are made regarding completeness or timeliness.

Episode 52 - Treasury's New Toolkit: From Cash Visibility to Payment Anomaly Detection with Leo Gil (Bottomline)

In this episode of The Treasury Whisperer’s Talkcast Podcast,host Seth Marlowe interviews Leo Gil, Vice President of Product at Bottomline (www.bottomline.com/us/cash-management [http://www.bottomline.com/us/cash-management]). They explore how treasury teams are evolving from manual, back-office processes toward more strategic, data-driven cash and payments operations. Leo discussesBottomline’s role in helping corporates automate payments, improve cash visibility, strengthen forecasting, and connect fragmented bank and ERP data across global organizations. The conversation also covers the practical use of AI in treasury, including cash forecasting, payment anomaly detection, fraudprevention, and faster access to critical financial data. Links: Leo Gil on LinkedIn: https://www.linkedin.com/in/leonardobgil/ [https://www.linkedin.com/in/leonardobgil/] Seth Marlowe on LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/treasurywhisperer/ [https://www.linkedin.com/in/treasurywhisperer/]⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The Treasury Whisperer's Talkcast Podcast on LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/treasury-whisperer%E2%80%99s-talkcast-podcast/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ [https://www.linkedin.com/company/treasury-whisperer%E2%80%99s-talkcast-podcast/] The Treasury Whisperer Network on LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/treasurywhisperernetwork/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ [https://www.linkedin.com/company/treasurywhisperernetwork/] Support The Treasury Whisperer's Talkcast Podcast by Becoming a Patreon Member: ⁠⁠⁠⁠⁠https://buymeacoffee.com/treasurywhisperer⁠⁠⁠⁠⁠ [https://buymeacoffee.com/treasurywhisperer] The Treasury Whisperer's Talkcast Podcast is a production of Treasury Whisperer LLC © 2025-2026 Any re-broadcast, re-transmission or other use of this podcast without the expressed written consent of Treasury Whisperer LLC is strictly prohibited. Disclaimer: The views and opinions expressed by the host and guests are their own and do not necessarily reflect those of their current or prior employers or affiliated organizations. All content is provided for informational and educational purposes only and should not be construed as financial, investment, legal, or professional advice. While efforts are made to ensure accuracy, no guarantees are made regarding completeness or timeliness.