Money Travels

For decades, the global financial infrastructure was designed as a one-way street: excellent at collecting money from consumers, but slow and inefficient at giving it back. Rodney Robinson, a 40-year veteran of the payments industry, recognized that for the digital economy to work, money needed a reverse gear. In this episode, Rodney discusses why legacy institutions didn’t share his vision, how TabaPay is now the invisible plumbing for the apps we all use, and why democratizing instant money movement is the key to preventing debt cycles for millions of Americans. 00:00 Welcome to Money Travels: The Push and Pull Problem 01:15 Lightning Round: 40 Years of Payments Wisdom 04:40 The Asymmetry of Money Movement: Pull vs Push 07:11 Solving the Impossible: Building Two-Way Instant Payments 08:22 The Invisible Infrastructure Powering Your Favorite Apps 11:12 The New Normal: Speed as a Consumer Expectation 11:49 From Corporate Rejection to Entrepreneurial Success 15:28 Flip Phones and Failed Experiments: Learning from Mobile Payment History 17:10 Breaking the Debt Trap: The Real Impact of Instant Payments 20:42 The FinTech-Bank Clash and the Future of Payments Learn more about Visa Direct: visa.com/visadirect Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Disclaimers: Visa Direct capability is enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.

Money Travels Podcast Season 4, Episode 1 With the global financial system often failing to serve emerging markets, Chris Maurice, CEO and Co-Founder of Yellow Card, has built an innovative solution from the ground up. What started as a personal mission to solve crippling remittance fees evolved into Africa's leading stablecoin infrastructure, facilitating billions in commerce. In this episode, Chris dives into his founder journey—from selling Pokémon cards to flying into Lagos on a six-day-old passport—and explains how Yellow Card leveraged stablecoins to solve Africa’s payments problems. We’ll discuss his work with governments to build regulatory clarity, his vision for using stablecoins to strengthen the global dollar system, and how this new financial infrastructure is laying the foundation for an equitable and connected global economy. Learn more about Visa Direct: visa.com/visadirect Disclaimers: Visa Direct capability is enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.

Money Travels Podcast Season 3, Episode 14 What does the "edge of money" actually look like? In our Season 3 finale, hosts Rich and Max look back at the most groundbreaking conversations of the year—from the digital transformation of aid in conflict zones to how AI is finally giving creators the financial tools they deserve. We dive deep into why "inclusion" is about more than just a bank account—it’s about dignity, choice, and moving money at the speed of life. Whether it’s solving the trillion-dollar friction in B2B payments or making "money roaming" as easy as mobile roaming, this episode summarizes the innovations that are redefining our global economy. Learn more about Visa Direct: visa.com/visadirect Disclaimers: Visa Direct capability is enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.

Money Travels Podcast Season 3, Episode 14 What does the "edge of money" actually look like? In our Season 3 finale, hosts Rich and Max look back at the most groundbreaking conversations of the year—from the digital transformation of aid in conflict zones to how AI is finally giving creators the financial tools they deserve. We dive deep into why "inclusion" is about more than just a bank account—it’s about dignity, choice, and moving money at the speed of life. Whether it’s solving the trillion-dollar friction in B2B payments or making "money roaming" as easy as mobile roaming, this episode summarizes the innovations that are redefining our global economy. Learn more about Visa Direct: visa.com/visadirect Connect with Visa Direct on LinkedIn:   / visa-direct   #Fintech #DigitalPayments #MoneyTravels #FinancialInclusion #CreatorEconomy #AI #FutureOfFinance Disclaimers: Visa Direct capability is enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.

With 7.7 million Venezuelan refugees globally and 2.9 million in Colombia alone, the challenge of distributing humanitarian aid effectively is huge. Using cash is slow and risky, and lacks transparency, raising problems for NGOs and migrants alike. In this episode, we’re joined by the team from AAvance, a fintech working with Visa to tackle this problem head-on. We’ll explore how their digital wallet is replacing insecure cash with prepaid cards, giving dignity and financial freedom to migrants. We’ll hear the human stories behind AAvance’s work, and learn how it’s creating a pathway to economic independence for migrants across Colombia. And we’ll discover just why it matters so much to AAvance’s founders themselves John Herreño and Magreth Gutierrez Vargas.Disclaimers:Visa Direct capability is enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.

Money Travels Podcast Season 3, Episode 12 For migrant workers sending remittances back home, cross-border payments can be slow, complex and expensive. It was this challenge Ambar Sur set out to solve when he left his telecom background and co-founded Terrapay in 2014. Inspired by telecom’s seamless global connectivity, Ambar set about building a robust network to enable instant, low-cost digital transactions, helping workers move more money more quickly across borders and increasing financial inclusion in the process. In this episode, we talk to Ambar about his Terrapay journey and how digital wallets are reshaping financial ecosystems to meet UN Sustainable Development Goals. We discuss the power of interoperability, explore the real-world impact of digital wallets, and ask about the challenges still to be addressed in the quest for borderless financial connectivity. Learn more about Visa Direct: visa.com/visadirect Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Timestamps: Chapters 00:00:00 Introduction to Ambar Sur 00:00:45 Welcome to Money Travels 00:02:10 What is a digital wallet? 00:03:20 How do digital wallets fit into today’s financial ecosystem? 00:04:40 Making wallets “roam” globally 00:06:00 Why do small-value remittances matter? 00:08:20 How does TerraPay work with regulators on compliance? 00:10:00 Guiding emerging market regulators on cross-border flows 00:11:30 Ensuring reliability and delivering fast transfers 00:13:00 Insights from Ambar’s telco background 00:14:10 The shift from cash to digital 00:15:30 Why are some workers still paid in cash? 00:17:00 Cash vs. digital adoption in emerging markets 00:18:10 TerraPay’s early market entry strategy 00:20:00 The vision for global interoperability 00:22:30 Making low-value transfers affordable for gig workers 00:24:10 How do regulators shape digital wallet expansion? 00:26:40 Stablecoins, FX considerations, and keeping flows regulated 00:29:00 Building trusted, scalable global payment rails 00:31:20 TerraPay’s mission: money movement as seamless as mobile roaming 00:34:10 Future outlook for global wallets and remittances 00:36:40 Closing and next episode nominations Disclaimers: Visa Direct capability is enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.

Money Travels Podcast Season 3, Episode 11 As CEO at Paysend, Ben Chisell is revolutionising how money moves across borders. In this episode, we talk with Ben about his personal journey, his passion for improving financial inclusion, and the challenges faced by millions when it comes to sending and receiving money. We explore the inefficiencies in traditional systems, the impact of new technologies, and how Paysend’s secret recipe for settling international payments could solve “the single biggest problem in financial services” — to the benefit of businesses and individuals alike. Learn more about Visa Direct: visa.com/visadirect Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Chapters 00:00:00 Introduction to Ben Chisell 00:00:57 Welcome to Money Travels 00:01:50 Persistent challenges in moving money 00:03:47 The impact of solving backend payment issues and who benefits 00:05:54 How new innovation affects businesses and SMBs, particularly around cash flow 00:09:46 Industry shifts driving focus on backend payment infrastructure 00:15:55 Ben Chisell’s experience at Paysend: identifying problems and proposing strategic change 00:20:55 Developing and refining Paysend’s mission and strategy 00:22:30 Key conversations that helped shift company priorities 00:24:03 How other companies have adapted to similar strategic approaches 00:28:00 Core challenges in global money movement:  1. Speed of transfers  2. Ease of sending  3. Cost efficiency 37:42 — Settlement challenges and Paysend’s solutions 39:43 — Overview of Paysend and how it addresses its own operational pain points 42:13 — Ben Chisell’s passion for improving financial systems and user experience 49:09 — What’s next for Paysend and the broader money movement industry Disclaimers: Visa Direct capability is enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.

Money Travels Podcast Season 3, Episode 10 With so many people struggling to manage their finances effectively, the financial services industry is steadily shifting its focus from increasing financial inclusion to improving financial health. For more than two decades, Jennifer Tescher has been pursuing this cause with the Financial Health Network, with the aim of ensuring a fair shake for the “little guy.” Now, with the emergence of agentic AI and open banking, Jennifer is helping to usher in a new era of personalised financial solutions, from AI-powered advisers that improve financial decision-making, to “self-driving wallets” that can take action on behalf of consumers. In this episode, Jennifer explains what consumers stand to gain from these advances, how banks will benefit too, and how the work being done now is laying the foundation for a more equitable financial future. Learn more about Visa Direct: visa.com/visadirect Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Chapters 00:00:00 Introduction to Jennifer Tescher 00:01:05 Welcome to Money Travels 00:02:05 Unpacking financial health and inclusion 00:03:00 Defining and measuring financial health 00:06:17 Partnering with Queen Máxima on financial health advocacy 00:09:13 The power of data in improving financial outcomes 00:11:20 Financial literacy vs. financial health — key differences 00:13:54 Who benefits from this work: consumers, businesses, or both 00:15:30 Leveraging AI to enhance financial health: opportunities and challenges 00:17:00 Mitigating AI risks: data bias, representation, and responsible guidance 00:20:00 Future of AI providers: banks, fintechs, and evolving partnerships 00:23:27 The industry outlook: coexistence and collaboration between banks and fintechs 00:25:57 Financial Health Network’s approach: research, partnerships, consulting, and fintech investment 00:28:30 How these efforts provide value and drive change across the industry 00:31:29 Why financial health matters for banks and fintechs 00:35:10 Measuring success and long-term impact 00:38:00 Generational and economic shifts shaping financial health (crypto, policy, labor trends) 00:39:30 Jennifer Tescher’s journey from journalism to financial advocacy 00:45:30 The future of financial health: challenges, innovation, and what keeps her motivated 00:50:20 Looking ahead: what success will mean in the next decade 00:56:20 Closing and next episode nominations Disclaimers: Visa Direct capability is enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.

Money Travels Podcast Season 3, Episode 9 As the former Chief Architect of the SWIFT network, which is still used to handle $4 trillion in daily transfers, Kosta Peric helped to transform the global financial landscape. Now at the Bill and Melinda Gates Foundation, Kosta is helping to increase financial inclusion across the globe, building scalable, interoperable payments infrastructure to give unbanked populations access to secure financial services for the first time. In this episode, Kosta explains how these payment systems empower individuals, foster economic growth, and benefit businesses across the developing world, as progress accelerates toward the 2030 goal of full financial inclusion. Learn more about Visa Direct: visa.com/visadirect Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Chapters 00:00:00 Introduction to Kosta Peric 00:01:05 Welcome to Money Travels 00:01:27 Kosta Peric’s journey from SWIFT to the Gates Foundation 00:04:30 Transforming SWIFT’s culture from risk-aversion to innovation 00:10:47 Addressing global unbanked populations and the motivation for change 00:13:30 Defining financial inclusion and why it matters 00:20:45 Ensuring inclusion as cash becomes less prevalent 00:28:00 Steps toward digital transition: regulation, interoperability, and fraud prevention 00:32:15 Tracking progress in reducing unbanked populations 00:32:16 Expanding on the concept of full financial inclusion 00:38:55 Kosta Peric’s reflections on 12 years at the Gates Foundation and his impact in Africa 00:41:20 How Kosta Peric’s success and influence have evolved over time 00:43:40 Economic and societal impacts of financial inclusion 00:48:40 Why businesses and enterprises should care 00:56:17 The Gates Foundation’s current priorities for advancing financial inclusion 01:01:00 Closing segment: next episode nominations Disclaimers: Visa Direct capability is enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.

The mobile revolution of the 2000s didn’t just redefine the way we communicate, it fueled innovation, redefined industries, and transformed our lives in ways few could have predicted. Working in mobile at the time, Checkout.com CMO Rory O’Neill sensed a similar transformation was about to grip the payments industry – and made it his mission to become a part of it. In this episode, we speak to Rory about his journey from mobile tech to payments, and how the current wave of innovations are once again helping to shape the way the world lives and works. We’ll hear about the new challenges emerging in step with the rapid spread of ecommerce, and the work Checkout.com is doing to keep pace. We’ll also explore Rory’s vision for the future of agentic commerce — and what the industry must do to ensure no one is left behind.Disclaimers:Visa Direct capability is enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.

Back in 2011, Colin and Samir's decision to build a YouTube business creating Lacrosse videos seemed risky, baffling friends and family alike. But by building a loyal community and learning to monetize their content, they soon turned their passion into a thriving business, selling their Lacrosse Network in 2014. Their journey wasn’t without hurdles. Financial uncertainty gave way to creative doubts. All the while, Colin and Samir struggled to access support from banks that didn’t recognize creators as legitimate businesses. Fast forward to today, and Colin and Samir have found a new niche – and a new audience – as two of the most respective voices on the creator economy.In this episode, we speak to Colin and Samir about their inspiring rise and the lessons they’ve learned. We’ll hear how they built two successful ventures from scratch, we’ll learn the principles of building a creator business, and we’ll discover the importance of building an audience. We’ll also ask why creators face so many logistical challenges—and what the financial services industry can do to support them.Learn more about Visa Direct: visa.com/visadirectConnect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/Disclaimers:Visa Direct capability is enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.

Money Travels Podcast Season 3, Episode 6 Since WWII, America’s two-week pay cycle has seen ordinary workers having to wait for their paycheque to pay their bills, put food on the table, and cover any expenses. With anywhere from 30-77% of Americans living paycheque to paycheque, this antiquated model has seen many go into debt, with others struggling to maintain healthy finances. Earned wage access has changed all that. Now, workers can access the money they have already earned whenever they want it. Leading this change is ⁠DailyPay⁠, whose platform of financial health products underpins its mission to improve financial wellness for ordinary workers. In today’s episode, DailyPay’s former Chief Commercial Officer Ryan Mang explains the innovations behind this transformation and the impact it's having on employees, employers, and the wider economy – both in America and beyond. Learn more about Visa Direct: visa.com/visadirect Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Chapters 00:00:00 Introduction to Ryan Mang 00:00:57 Welcome to Money Travels 00:01:20 What is on-demand pay and the purpose behind DailyPay 00:04:04 Problems with traditional pay schedules & the financial strain on employees 00:04:50 How DailyPay supports budgeting and financial literacy 00:06:30 DailyPay as a gateway to financial freedom & easing financial stress 00:08:40 On-demand pay as a new workplace standard 00:11:00 Why DailyPay emerged recently and the rise of real-time payments 00:13:45 The growing demand for speed and instant access in finance 00:16:30 Generational differences in using DailyPay 00:18:30 Expanding to global markets: UK pay schedules & challenges 00:21:10 Employee benefits, wage taxation & why past financial wellness efforts failed 00:24:48 Why competitors haven’t built their own solution 00:27:00 What makes DailyPay hard to replicate 00:29:25 Financial wellness as an economic driver & its evolving future 00:33:30 DailyPay’s future focus and user engagement strategy 00:37:40 Real user success story 00:39:38 What Ryan hopes DailyPay achieves in the next 10 years 00:41:20 Guest nomination for the next episode 00:43:05 Money Travels Outro Disclaimers: Visa Direct capability is enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.

Money Travels Podcast Season 3, Episode 5 In Asia’s fragmented payments landscape, cross-border trade can be challenging for small businesses. As CEO of the Emerging Payments Association Asia, Camilla Bullock is on a mission to change that. Using what she calls “the network effect”, Camilla brings together regulators, thought leaders, and innovators to find solutions to enable seamless cross-border payments and empower small businesses to trade more freely. In today’s episode, Camilla explains why data is both the key to progress and one of the biggest hurdles in payments, why diversity is essential for better innovation, and how an emerging technology could hold the key to unlocking smoother payments for businesses across the region. #MoneyTravels #MoneyTravelsPodcast #FinancePodcast #FinancialPodcast #Podcast #FintechPodcast #VisaDirect #MoneyMovement #MoveMoneyYourWay Learn more about Visa Direct: visa.com/visadirect Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Chapters 00:00:00 - Camilla Bullock Introduction 00:00:52 - Welcome to Money Travels 00:01:07 Overview of the Emerging Payments Association Asia (EPAA) 00:02:23 Navigating operational challenges in Asia’s fragmented market 00:03:02 The origin and purpose of the EPAA 00:04:15 Camilla Bullock’s career journey and professional transitions 00:05:29 Why Camilla Bullock has one of the most dynamic roles in payments 00:06:42 Navigating misconceptions and fragmentation in the Asian market 00:07:34 Challenges fragmentation poses for small businesses and consumers 00:08:45 Finding opportunity within fragmented systems 00:09:41 Balancing priorities: business, consumer, or government first? 00:10:24 The universal benefits of trade 00:12:00 Improving consumer outcomes and fostering a passionate payments community (PPP) 00:13:15 The missing voice of Treasurers in industry conversations 00:14:22 Camilla Bullock’s success in driving payments dialogue 00:15:41 The underrepresentation of the private sector in APAC 00:16:04 What motivates Camilla Bullock’s work 00:17:20 The role of innovation in becoming a PPP 00:18:00 Advancing gender equity in leadership across the payments industry 00:19:20 Promoting diversity in thought leadership 00:20:10 Collaborative efforts to address fragmentation across Asia 00:23:06 Can innovation in India scale across the region? 00:25:22 Common industry pain points in payments 00:28:28 The evolving landscape of cross-border payments 00:30:00 Key developments needed for the future of cross-border payments 00:33:40 - Next Guest Nomination 00:34:36 - Money Travels Outro Disclaimers: Visa Direct capability is enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.

Money Travels Podcast Season 3, Episode 4 In March 2020, as the world braced for a global pandemic, Jaco Veldsman gave up his comfortable career in finance to go it alone with the launch of Paytron, the cross-border payments platform. Three years later, Paytron’s mission to transform global payments for its customers was turbo-charged with the company’s acquisition by global payments powerhouse OFX. Now Global Head of Non-FX Revenue at OFX, today’s guest Jaco shares his motivations for striking out alone, the customer challenges he’s working to solve, and how his thirst for innovation and desire to simplify payments for all still drive him to this day. #MoneyTravels #MoneyTravelsPodcast #FinancePodcast #FinancialPodcast #Podcast #FintechPodcast #VisaDirect #MoneyMovement #MoveMoneyYourWay Learn more about Visa Direct: visa.com/visadirect Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Chapters 00:00:00 - Jaco Veldsman Introduction 00:00:42 - Welcome to Money Travels 00:02:01 Why Paytron’s exit was a success and how the OFX acquisition unfolded 00:04:14 Solving key customer pain points in the payments process 00:06:19 The administrative burden of invoice payments 00:07:35 Strategic rationale behind the acquisition and how the OFX partnership formed 00:10:37 Benefits of the acquisition from OFX’s perspective 00:12:55 Post-acquisition impact on client and employee satisfaction 00:14:10 What motivates Jaco Veldsman to stay in the industry 00:15:02 Opportunities and challenges in Australia and the Asia-Pacific region 00:15:24 The “spiders and snakes” analogy explained 00:16:05 Debunking the myth of a homogeneous APAC market 00:17:08 The role of partnerships in addressing market complexity 00:19:14 Cross-border payments: business vs consumer needs 00:20:34 Emotional feedback from clients 00:22:02 What clients truly want from payments software and services 00:23:29 Is there demand for an “everything app” in finance? 00:24:39 Remaining challenges in streamlining global money movement 00:26:45 - Next Guest Nominations 00:27:57 - Money Travels Outro Disclaimers: Visa Direct capability is enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.

Money Travels Podcast Season 3, Episode 3 With its unique approach to public-private partnership and obsessive focus on innovation, Singapore has established itself as a global fintech hub. Helping to drive that innovation is Varun Mittal, whose work as founder of Fintech Nation, has given him extraordinary insight into the country’s fintech sector and how it is shaping the future of global finance. In this episode, Varun shares his experiences as an innovator, along with his views on the consumer challenges fintech has solved successfully and the work the industry still has to do to give customers what they really need. #MoneyTravels #MoneyTravelsPodcast #FinancePodcast #FinancialPodcast #Podcast #FintechPodcast #VisaDirect #MoneyMovement #MoveMoneyYourWay Learn more about Visa Direct: visa.com/visadirect Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Chapters 00:00:00 Varun Mittal Introduction 00:00:48 Welcome to Money Travels 00:01:12 What is Singanomics 00:02:40 What is Garden Economics 00:03:25 Singapore is 60 years old 00:03:54 How does Singanomics impact end customer 00:05:21 What is the main focus for Singapore Economics 00:05:45 Singapore Fintech Nation and key challenges 00:07:53 Fintech vs Banks and the opportunities today in Asia 00:10:12 How does fintech vs bank impact the end customer 00:11:18 Why being niche is vital for fintech success 00:12:03 How do fintechs engage with broader ecosystem 00:13:28 Acquisitions in Singapore Fintech 00:15:08 What customers are Fintech Nation looking for 00:16:10 Fintech Spotify Moment Taylor Swift 00:18:36 Singapore Regulation and Compliance 00:20:14 Why does Varun Mittal care about Singapore Economy 00:23:38 WhatsApp channels for Fintech 00:25:12 Fintech debates 00:26:14 What's next Singapore Fintech Innovation 00:28:41 Next Guests Plaid NuBank 00:30:35 Money Travels Outro Disclaimers: Visa Direct capability is enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.

Money Travels Podcast Season 3, Episode 2 In the highly diverse economies of South East Asia, Singapore stands out as an economic powerhouse. This success has paved the way for the explosive growth of the country’s fintech sector, with a combination of Singapore’s unique history and central government initiatives helping to make it the world’s fourth most innovative economy. Instrumental in driving that growth is today’s guest Reuben Lim, whose work as CEO of the Singapore Fintech Association @singaporefintechassociatio9687 is helping fintech companies meet the varied needs of consumers across South East Asia, from the well-banked of Singapore to the hard-to-reach communities of rural Thailand, Indonesia and beyond. #MoneyTravels #MoneyTravelsPodcast #FinancePodcast #FinancialPodcast #Podcast #FintechPodcast #VisaDirect #MoneyMovement #MoveMoneyYourWay Learn more about Visa Direct: visa.com/visadirect Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Chapters 00:00:00 Reuben Lim Introduction 00:00:49 Welcome to Money Travels 00:00:58 Reuben Lim Back Story 00:01:09 What's driving Singapore's Fintech boom 00:02:08 What is the Singapore Fintech Association 00:03:26 Why is the Fintech Boom in Singapore important 00:05:16 What are the Fintech Trends in Asia Pacific 00:06:02 Current State of Cross-Border Payments in Singapore 00:07:29 How to expand Cross-Border Payments in Asia 00:09:15 B2B Payments in Singapore: Opportunities and Challenges 00:12:46 How Fintechs and Banks Can Work Together 00:13:46 What's Next for Singapore and Payments 00:16:06 Singapore's Biggest Financial Challenges 00:17:46 Generational Changes in Banking and Payments 00:19:12 Why drives Reuben Lim for success in Finance 00:21:00 Helping Gen Alpha in Finance and Creator Economy 00:22:37 Servicing the customer needs in Singapore 00:23:50 Singapore Regulation and Fintech 00:25:25 Reuben Lim Fintech Origins 00:26:21 Next Guests 00:27:50 Money Travels Outro Disclaimers: Visa Direct capability is enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.

Money Travels Podcast Season 3, Episode 1 Guest: @JPNicols co-founder Alloy Labs, co-host Breaking Banks podcast on @provokefm In 2007, the release of the first iPhone helped trigger a major shift in what customers expect from the finance industry. Established banks quickly found their traditional model was no longer working – and that other companies were better placed to give customers what they wanted. At the vanguard of these changes, today’s guest JP Nicols helped pull his established bank from the centre to the edge of money, to meet customers where they were. He pioneered innovations to give customers what they wanted, redefining the bank-customer relationship and transforming the banking industry in the process. 18 years on, he’s still at it, helping established banks and fintechs work together to meet the ever-growing expectations of the consumer. #MoneyTravels #MoneyTravelsPodcast #FinancePodcast #FinancialPodcast #Podcast #FintechPodcast #VisaDirect #MoneyMovement #MoveMoneyYourWay Learn more about Visa Direct: visa.com/visadirect Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Chapters 00:00:00 JP Nicols Introduction 00:00:42 Welcome to Money Travels 00:00:52 JP Nicols Back Story 00:01:59 Why Did It Take So Long For Banks To Listen To Customers? 00:04:03 Examples of Customer Pain Points 00:05:58 How Did JP Nicols Start Fintech? 00:08:10 How Can Banks Help Customers Today 00:12:32 Why Should Banks Take Risks For Customers? 00:15:12 How Will AI Impact Money Movement Customer Experience 00:16:52 What does Alloy Labs do? 00:19:53 Incremental Changes vs Next Big Thing 00:22:30 Where Will Fintechs Find The Next Big Thing? 00:24:04 How To Move Money With Purpose 00:25:25 Impact on Banks and Consumers if Banks Don't Change 00:28:06 Who Does JP Nicols Want On Money Travels? 00:29:37 Thank You JP Nicols 00:29:53 Money Travels Outro Disclaimers: Visa Direct capability is enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa.

Money Travels explores the stories and people behind the extraordinary innovations that are transforming digital finance and examine the impact they’re having on our lives and on economies across the world. Hosts: Maxime Guirauton and Richard Arundel Subscribe so you don't miss a single episode of the Money Travels podcast. #podcast #moneymovement #fintech #banking #visadirect Learn more: visa.com/moneytravels Connect on LinkedIn: https://www.linkedin.com/showcase/visa-direct/

Season 2, Episode 12 of Money Travels presented by Visa. #VisaDirect #MoneyMovement #MoneyTravels #SmallBusiness #SMB Small and mid-size businesses are among the main drivers of employment growth and change, especially in parts of the world that involve developing countries. There, their economies are mainly powered by SMBs, and SMBs are often the catalysts for innovation. So, what are their unique needs in the money movement space, and how is Visa Direct meeting those needs? In this episode we talk to Jaspreet Singh, head of Consumer Funded Flows at Visa Direct, and we'll also give you a recap of the highlights of the season. To get the perspective of a small business we speak with Clove Bakery's co-founder, Beth Beji, to hear about the challenges that SMBs face. Learn more about Visa Direct: visa.com/visadirect Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories. Our purpose is to uplift everyone, everywhere by being the best way to pay and be paid.

Season 2, Episode 11 of Money Travels presented by Visa. #VisaDirect #MoneyMovement #MoneyTravels #Gaming #Roblox #Olympics In this episode, we explore the state of the gaming industry and where it's headed by talking to Brad Foxhoven, CEO of EverGame Media, and Matt Story, VP @Visa Global Brand Partnerships & Advocacy. This conversation gets into how creators are engaging in the online gaming space and how online gaming platforms are providing opportunities for individuals to turn their gaming efforts into viable side hustles and even core businesses. Traditionally, gaming has been a closed walled system with only a small proportion of transactions being micro and the majority of earnings going to the game developers. But games like @Roblox are changing the landscape with an open source system that allows creators, gamers, and developers to become future SMBs, using their skills and followers to enhance experiences for other gamers and earning significant income in the process. Learn more about Visa Direct: visa.com/visadirect Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories. Our purpose is to uplift everyone, everywhere by being the best way to pay and be paid.

Season 2, Episode 10 of Money Travels presented by Visa. #VisaDirect #MoneyMovement #MoneyTravels #ForeignExchange #CrossBorderPayments #CurrencyCloud Timing when to exchange money from one currency to another is something we've probably all experienced. Domestic payments are getting faster and cheaper in many countries. The challenge now is to link those systems together and make cross-border payments as fast and as seamless as the best domestic systems to meet customer expectations for fast money movement no matter where it's being sent. So how does this infrastructure impact currency exchange? To get a better sense of all this, we talk to Piers Marais, who oversees product strategy for Visa Cross-Border Solutions and @The_Currencycloud client base. He draws on his extensive background in payments to ensure that Visa Cross-border solutions and Currencycloud are continually at the forefront of the latest payment innovations. We also speak to Kathy Lien whose expertise is an on-the-ground FX trader will help us see the use cases and the benefits of the tools that have been revolutionizing currency trading. Learn more about Visa Direct: visa.com/visadirect Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories. Our purpose is to uplift everyone, everywhere by being the best way to pay and be paid.

In this episode we explore the creator economy which continues to grow rapidly. This growth represents an opportunity for money movement businesses, but it also presents some unique challenges. To take us into this rapidly evolving landscape, we'll talk to Eric Wei and Will Kim co-founders at Karat Financial, a bank built for the creator economy. We'll also hear from Brian McMullin, head of product and customer experience at SamCart, an innovative e-commerce platform for digital sellers, creators and business owners. Listen now.

Season 2, Episode 8 of Money Travels presented by Visa. #VisaDirect #MoneyMovement #MoneyTravels #FinanciaLliteracy #FinancialEducation #Acorns #GoHenry Welcome to Money Travels, presented by Visa. Years into the FinTech revolution, many people still struggle with money management and learning how to use all these new tools at their fingertips and with money going digital in many instances, how do we teach our kids who really benefit from a tangible environment, financial literacy? In this episode, we're going to explore some ways to bridge the gap in knowledge for kids and adults alike. We're going to talk to Louise Hill the CEO of @gohenry_, whose goal is to make every kid smart with money. The app introduces financial knowledge and helps shape kids' behaviors in positive ways, making it easy for their parents to guide them in the process GoHenry shares this mission of financial literacy with Visa. GoHenry's new parent company, @AcornsGrow has products that can help improve financial literacy for adults too. It has features that allow adults to save and with educational features along the way, and that's where Kennedy Reynolds, Acorn's chief education officer comes in to show us how their mission aligns with this larger goal of global financial inclusion. Learn more about Visa Direct: visa.com/visadirect Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories. Our purpose is to uplift everyone, everywhere by being the best way to pay and be paid.

Season 2, Episode 7 of Money Travels presented by Visa. #VisaDirect #MoneyMovement #MoneyTravels #SportsBetting #OnlineGaming #Nuvei #KindredGroup #LeoVegas In this episode we explore the explosion of the online platforms for gaming, and the challenges and opportunities that they present for money movement. From dealing with evolving regulations to the vast differences and payout amounts, and the critical importance of speed, the online gaming space is a hotbed of innovation and growth. To explore this space, we're going to talk to Warren Tristram from @Nuvei, a payments powerhouse, Mickael Marceau, director of payments at @KindredGroup-plc, and Christian Reinheimer from Leo Vegas. Learn more about Visa Direct: visa.com/visadirect Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories. Our purpose is to uplift everyone, everywhere by being the best way to pay and be paid.

Season 2, Episode 5 of Money Travels presented by Visa. #VisaDirect #MoneyMovement #MoneyTravels #Remittances #PaySend #Fintech In this episode, we're going to learn about remittances in different parts of the world. We are joined by Jairo Riveros, managing director for The Americas and global head of strategy at @Paysend, a global fintech company, and Lucciana Alvarez Ruiz to discuss financial inclusion. For some of us it feels pretty seamless and easy to send and receive money, but for others, especially people who don't have a traditional bank account, it can feel impossible to exchange money across large distances. How is someone from a small town in Guatemala who is paid in the currency of another country supposed to send money back to their family if their loved ones don't have access to a bank? Often the solutions are costly, slow, and sometimes even dangerous if you have to physically carry cash for miles. But if you can access the internet from wherever you are, why can't you just move your money digitally? We'll explore the differences between regions from Eastern Europe to Latin America and get a sense of the remittances landscape and how money movement can become more inclusive. Learn more about Visa Direct: https://corporate.visa.com/en/products/visa-direct/money-travels.html Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Time Stamps: Chapters 00:00:00 Introduction 00:00:28 Hardships of growing up poor in Guatemala 00:01:10 Financial benefits of moving to the United States from Guatemala 00:02:00 Episode Overview 00:03:30 Banking challenges sending money back home to other countries 00:05:52 Why citizens in Latin America are unbanked 00:09:58 Financial challenges women face in Latin America 00:12:22 Adoption of digital devices has increased acceptance of finance in Latin America 00:13:24 Why PaySend's fintech business is so unique 00:14:54 How PaySend is helping Latin America overcome financial barriers 00:18:47 The benefit of UK's quick adoption of PaySend financial technology 00:20:30 How PaySend helped the UK financial system overcome traditional limitations 00:21:40 PaySend helping people send aide to war torn countries in time of need 00:23:45 Growing Latin America's adoption of financial technology 00:28:30 Overcoming the challenges of sending money back home to other countries 00:29:45 PaySend promotes their financial services in Latin America 00:32:10 Final thoughts Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories. Our purpose is to uplift everyone, everywhere by being the best way to pay and be paid.

Season 2, Episode 6 of Money Travels presented by Visa. #VisaDirect #MoneyMovement #MoneyTravels #Remittances #Brightwell #CruiseShips Some of us are bitten by the travel bug and can't get enough of the adventures and new experiences that being on the move provides. For many that travel bug results in a career like for those that work on cruise ships. There are many hidden challenges that cruise ship employees and their employers face, especially when it comes to money movement. That's where fintech company and Visa direct partner, @BrightwellTV comes in. Their innovations and cross-border payments have been a game changer for the industry. We'll hear how they're accomplishing the sea change, from Brightwell CEO, Larry Hipp. We are also joined by Andre Eduwardo, Manager of Onboard Operations Accounting, at Virgin Voyages. Learn more about Visa Direct: https://corporate.visa.com/en/products/visa-direct/money-travels.html Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Time Stamps: Chapters 00:00:00 Introduction 00:00:13 Benefits of working on a cruise ship 00:00:53 Episode Overview 00:02:00 The wide range of working on a cruise ship 00:03:03 Challenges of working on a cruise ship 00:03:59 Managing responsibilities of cruise ship employee payroll 00:06:00 Currency exchange on a cruise ship 00:06:36 Benefits from updates in payroll technology on cruise ship 00:10:30 How a fintech is helping cruise ships with cross-Border money movement 00:11:15 How Brightwell helps money move from point A to point B 00:13:04 The benefits of the Brightwell Navigator app for payroll distribution 00:14:00 How Visa Direct is enabling Brightwell to grow their reach 00:15:10 The importance of transparency in cross-border payments 00:17:30 How Brightwell is helping cruise ship employees with financial inclusion 00:20:18 The psychological impact of good or bad experiences with memories 00:21:30 Streamlining and digitizing cruise ship cross-border fintech payments 00:24:10 Figuring out the process of providing cross-border solutions to a global audience 00:25:46 The future of Brightwell tech 00:27:39 Travel recommendation the beautiful land of Antarctica 00:28:12 Final thoughts Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories. Our purpose is to uplift everyone, everywhere by being the best way to pay and be paid.

Season 2, Episode 4 of Money Travels presented by Visa. #VisaDirect #MoneyMovement #MoneyTravels #WeChat #SuperApp #DigitalWallets Tencent is a multinational technology conglomerate and one of the world's largest social media companies. @WeChatApp or #Weixin, as the app is known in Mainland China, is #Tencent’s popular app known for instant messaging, social posting, shopping and more. We explore the ways that Weixin has integrated financial features into the consumer app experience and how Visa Direct is helping Weixin Pay create a seamless digital experience for users who can receive remittances directly into their wallet. We're talking to Deepan Dagur, vice president and regional head Asia Pacific at Visa Direct, and Wenhui Yang, the regional general manager of Tenpay Global Asia Pacific. Learn more about Visa Direct: https://corporate.visa.com/en/products/visa-direct/money-travels.html Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Time Stamps: Chapters 00:00:00 Welcome to Money Travels 00:00:12 How Gen-Z uses WeChat with family & friends 00:05:17 Tencent Super App WeChat Weixin 00:05:50 Wenhui Yang from TenPay Global 00:06:18 How Weixin started 00:07:34 Gaining trust in social media 00:08:25 WeChat Cross-Border Remittances 00:11:07 How Visa Direct helps Weixin 00:13:16 How Weixin helps Visa Direct 00:14:48 Why Tencent partnered with Visa Direct 00:16:34 How Visa Direct expanded Weixin WeChat reach 00:18:14 How businesses work with Visa 00:19:34 Are Super apps personal 00:21:18 Sending Red Packet Envelope thru WeChat for Lunar New Year 00:24:15 Why WeChat digitized the Red Packet Envelope experience 00:26:04 Building trust with payments in social app 00:27:40 WeChat Weixin User Stats 00:30:36 Why Gen-Z trusts WeChat 00:32:28 Closing Thoughts Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories. Our purpose is to uplift everyone, everywhere by being the best way to pay and be paid.

Season 2, Episode 3 of Money Travels presented by Visa. #VisaDirect #MoneyMovement #MoneyTravels Fast money movement requires fast security. As money moves more and more quickly, the technical challenges to secure the transactions grow for all parties involved. We have to predict behavior and aim to stop fraud before it happens, often with the help of AI, but you need a pretty big data set to make accurate predictions and to track trends in fraud behavior. That's where Visa Direct's network can come in and its long history of transactions coupled with decades of developing AI tools that can check, monitor, and protect money movement. To get a sense of how AI is used today in money movement, we're going to talk to Michael Jabbara, Vice President, Global Head of Fraud Services at Visa, Dr. Anjana Susarla, who's a professor of responsible AI at Michigan State University, and Clara Durodié, an AI strategy specialist and author of Decoding AI in Financial Services. But first, we hear from Tendai Marambire an ethical security hacker that conducts baseline testing for Visa Direct transactions and along with her team, she continuously tests new components and new scenarios as new fraud schemes are discovered in the wild. Learn more about Visa Direct: https://corporate.visa.com/en/products/visa-direct/money-travels.html Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Time Stamps: Chapters 00:00:00 Cold Open 00:04:16 How Visa uses AI 00:06:46 Defining AI in Financial Services 00:11:44 AI and the increased security risk 00:12:57 How Visa keeps up with AI risk 00:14:27 What is a Money Mule? 00:15:15 Benefits of a big network 00:16:16 How Visa handles cyberattacks 00:18:31 Organized crime or individual crimes 00:20:50 How Visa stops scams 00:24:00 Visa Security Red Team 00:25:48 AI bias in the finance world 00:28:44 AI and gender bias 00:31:35 How Visa handles bias in AI 00:33:23 The future of AI in finance 00:36:15 Last Word Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories. Our purpose is to uplift everyone, everywhere by being the best way to pay and be paid.

Season 2, Episode 2 of Money Travels presented by Visa. #VisaDirect #MoneyMovement #MoneyTravels In today's internet age, our identity has gone digital. We use our email addresses, phone numbers, social media account logins, and even digital versions of our biometrics to identify ourselves and these digital identifiers can be sent anywhere to anyone. In this episode, we're going to explore digital identity and financial fraud and how bad actors are taking advantage of the shift to synthetic versions of ourselves. We will talk with Tim Sini, who investigated synthetic identity theft and fraud when he was New York district attorney and Matthieu Charpentier, Vice President and Global Head of Authentication & Identity to talk about what Visa and Visa Direct are doing to help mitigate risk and the challenges of adding security measures in an environment where end users are used to a pretty frictionless experience. We even explore the ways in which generative artificial intelligence is shaping the landscape. Listen now. Learn more about Visa Direct: https://corporate.visa.com/en/products/visa-direct/money-travels.html Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Time Stamps: Chapters 00:00:00 Cold Open 00:02:44 How technology has transformed identity theft 00:03:50 What is synthetic identity theft 00:06:29 How Visa's helping secure money movement 00:07:18 Our digital identities 00:08:55 The evolution of digital identities 00:10:47 How is Visa helping clients with digital identity fraud 00:14:19 What is authorized fraud scams? 00:17:00 Managing security friction with ease of use 00:20:40 Geographical differences with digital identity 00:23:25 Will we have a Digital Passport? 00:24:55 Long-term fraud risk with digital identity 00:27:30 Cyber-security and generative AI scams 00:29:43 How Visa keeps trust with scams and fraud 00:31:50 The Last Word: Fighting fraud Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories. Our purpose is to uplift everyone, everywhere by being the best way to pay and be paid.

Season 2, Episode 1 of Money Travels presented by Visa. #VisaDirect #MoneyMovement #MoneyTravels For Season 2 we're taking a broad look at the global money movement landscape and thinking about what changes the next year might bring. Where are the opportunities for growth? What kind of friction is still slowing things down? What might successful partnerships in money movement look like? To give us the bird's eye view, we talk to Luli Peyrelongue, Vice President at Visa Direct as the global head of market expansion. We also speak to Devie Mohan, an influential writer, speaker, and commentator on fintech who has been listed as a top 10 global fintech influencer. She's the co-founder and CEO of Burnmark, a fintech research company, and has helped several banks, fintech startups, innovation groups, and investors understand trends in the industry. Learn more about Visa Direct: https://corporate.visa.com/en/products/visa-direct/money-travels.html Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Time Stamps: Chapters 00:00:00 Cold Open 00:02:35 Predicting the future of money movement 00:08:20 A content creator's story 00:09:12 Collaboration is key for money movement 00:12:05 A Korean student's exchange rates story 00:13:03 Fluctuation of currencies 00:18:50 A coffee importer's story 00:20:30 Why interoperability is important 00:25:37 Digitization money movement trends 00:29:48 Benefits of real-time for B2B 00:30:39 Closing Thoughts Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories. Our purpose is to uplift everyone, everywhere by being the best way to pay and be paid.

Season 1, Episode 6 of Money Travels presented by Visa. #VisaDirect #MoneyMovement #MoneyTravels Serge Elkiner and Lucho Torres discuss the security concerns of mobile payment services and the innovations that are helping increase security in money movement. The digitization of money movement has made cash and checks virtually obsolete, but moving money from point A to point B still often means that sensitive banking information has to change hands. Indre Viskontas is joined by Serge Elkiner, CEO of Yellow Pepper and Head of Product at Visa Direct, and Lucho Torres, CDO for @ScotiabankPE, to talk about concerns with security and fraud, as well as walk through the latest innovations from Visa and how they can help empower consumers and help make money movement more safe, convenient, and accessible. Hit play and enjoy this thought-provoking episode of Money Travels, brought to you by Visa. Follow Us Learn more about Visa Direct: https://corporate.visa.com/en/products/visa-direct/money-travels.html Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Actual fund availability varies by receiving financial institution and region, receiving account type, and whether transaction is domestic or cross-border. Please refer to your Visa representative for more information on availability. Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance with any applicable laws and regulations. This podcast contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 that relate to, among other things, our future operations, prospects, developments, strategies, business growth and financial outlook. Forward-looking statements generally are identified by words such as "believes," "estimates," "expects," "intends," "may," "projects," “could," "should," "will," "continue" and other similar expressions. All statements other than statements of historical fact could be forward-looking statements, which speak only as of the date they are made, are not guarantees of future performance and are subject to certain risks, uncertainties and other factors, many of which are beyond our control and are difficult to predict. We describe risks and uncertainties that could cause actual results to differ materially from those expressed in, or implied by, any of these forward-looking statements in our filings with the SEC. Except as required by law, we do not intend to update or revise any forward-looking statements as a result of new information, future events or otherwise. Visa Direct capability enabled through financial institution partner. Visa Direct product availability and functionality varies by market. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa. The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. YellowPepper’s technology helps clients connect to payment solutions. Clients must separately contract with the solution providers. Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories. Our purpose is to uplift everyone, everywhere by being the best way to pay and be paid.

Season 1, Episode 9 of Money Travels presented by Visa. #VisaDirect #MoneyMovement #MoneyTravels Explore the invisible infrastructure that enables money movement after a crisis with Gouranga Dhanagare and Valeriy Danylenko. When a crisis hits, traditional means of getting money become impossible and refugees fleeing dangerous situations often leave everything behind - including documents that are needed to access their money in a different country. Join Gouranga Dhanagare, the new VP, Head of Visa Direct for the CEMEA region, and Valeriy Danylenko, the former Deputy CEO of Tascombank, as they discuss the digital money movement innovations that helped Ukrainians move money after Russia invaded last year, and the invisible infrastructure that made it possible. Hit play and enjoy this thought-provoking new episode of Money Travels, presented by Visa. Learn more about Visa Direct: https://corporate.visa.com/en/products/visa-direct/money-travels.html Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Visa Direct capability enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa. Visa Direct product availability and functionality varies by market. Visa Direct’s actual fund availability depends on receiving financial institution and region. Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance with any applicable laws and regulations. The Visa controls described in this podcast are for Visa’s internal compliance purposes. Visa Direct clients and participants should always consult and seek approval from their internal compliance teams on sanctions screening controls and processes. Visa Direct clients and participants are solely responsible for their own compliance with applicable laws and regulations. This podcast contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 that relate to, among other things, our future operations, prospects, developments, strategies, business growth and financial outlook. Forward-looking statements generally are identified by words such as "believes," "estimates," "expects," "intends," "may," "projects," “could," "should," "will," "continue" and other similar expressions. All statements other than statements of historical fact could be forward-looking statements, which speak only as of the date they are made, are not guarantees of future performance and are subject to certain risks, uncertainties and other factors, many of which are beyond our control and are difficult to predict. We describe risks and uncertainties that could cause actual results to differ materially from those expressed in, or implied by, any of these forward-looking statements in our filings with the SEC. Except as required by law, we do not intend to update or revise any forward-looking statements as a result of new information, future events or otherwise. Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories. Our purpose is to uplift everyone, everywhere by being the best way to pay and be paid.

Season 1, Episode 10 of Money Travels presented by Visa. #VisaDirect #MoneyMovement #MoneyTravels #Fiserv Join Richard Meszaros and Robert Clayton to examine the growing list of reasons why companies need better cross-border money movement solutions. No matter where a business is located, there is a high chance that business has customers in other places around the world. In addition to those goods and services crossing boundaries, so can the payment and the payout. Today, Richard Meszaros, Vice President and Head of Cross Border Money Movement for North America at Visa Direct, and Robert Clayton, Vice President of Digital Payouts at @fiserv, examine the innovations that support and enable budding entrepreneurs, artists and craftspeople who can’t make a living solely by selling their goods locally, and raise fortunes globally. You won’t want to miss this engaging new episode of Money Travels, brought to you by Visa. Learn more about Visa Direct: https://corporate.visa.com/en/products/visa-direct/money-travels.html Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Visa Direct capability enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa. Visa Direct product availability and functionality varies by market. Visa Direct’s actual fund availability depends on receiving financial institution and region. Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance with any applicable laws and regulations. The Visa controls described in this podcast are for Visa’s internal compliance purposes. Visa Direct clients and participants should always consult and seek approval from their internal compliance teams on sanctions screening controls and processes. Visa Direct clients and participants are solely responsible for their own compliance with applicable laws and regulations. This podcast contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 that relate to, among other things, our future operations, prospects, developments, strategies, business growth and financial outlook. Forward-looking statements generally are identified by words such as "believes," "estimates," "expects," "intends," "may," "projects," “could," "should," "will," "continue" and other similar expressions. All statements other than statements of historical fact could be forward-looking statements, which speak only as of the date they are made, are not guarantees of future performance and are subject to certain risks, uncertainties and other factors, many of which are beyond our control and are difficult to predict. We describe risks and uncertainties that could cause actual results to differ materially from those expressed in, or implied by, any of these forward-looking statements in our filings with the SEC. Except as required by law, we do not intend to update or revise any forward-looking statements as a result of new information, future events or otherwise. Certain Visa Direct Services involve the use of third-party service providers, other financial institutions (such as network partners) and local clearing schemes. Visa Direct Wallet is not yet commercially available. Please consult your Visa Representative for further information. Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories. Our purpose is to uplift everyone, everywhere by being the best way to pay and be paid.

Season 1, Episode 7 of Money Travels presented by Visa. #VisaDirect #MoneyMovement #MoneyTravels Sue Onians, VP of Visa Direct Ecosystem and Risk, speaks about the growth of financial fraud in the digital age and keeping your personal data safe. We are all well aware of the risks of entering sensitive personal information online, but the pull of convenience can often be stronger than our fears of being defrauded. Sue Onians, Vice President of Visa Direct Ecosystem and Risk, joins Indre Viskontas to discuss the evolution of financial fraud and what Visa is doing to help keep digital transactions safe. We hope you enjoy this insightful episode of Money Travels, brought to you by Visa. Learn more about Visa Direct: https://corporate.visa.com/en/products/visa-direct/money-travels.html Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Actual fund availability varies by receiving financial institution and region, receiving account type, and whether transaction is domestic or cross-border. Please refer to your Visa representative for more information on availability. Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance with any applicable laws and regulations. This podcast contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 that relate to, among other things, our future operations, prospects, developments, strategies, business growth and financial outlook. Forward-looking statements generally are identified by words such as "believes," "estimates," "expects," "intends," "may," "projects," “could," "should," "will," "continue" and other similar expressions. All statements other than statements of historical fact could be forward-looking statements, which speak only as of the date they are made, are not guarantees of future performance and are subject to certain risks, uncertainties and other factors, many of which are beyond our control and are difficult to predict. We describe risks and uncertainties that could cause actual results to differ materially from those expressed in, or implied by, any of these forward-looking statements in our filings with the SEC. Except as required by law, we do not intend to update or revise any forward-looking statements as a result of new information, future events or otherwise. Visa Direct capability enabled through financial institution partner. Visa Direct product availability and functionality varies by market. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa. The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. This podcast contains illustrative descriptions of a product currently in the process of deployment, and should be understood as a representation of the potential features of the fully- deployed product. The final version of this product may not contain all of the features described in this podcast. Visa Direct clients and participants should always consult and seek approval from their internal compliance teams on sanctions screening controls and processes, and are solely responsible for their own compliance with applicable laws and regulations. Optional compliance controls and risk management tools and services are provided solely for the convenience of sending acquirers, service providers, merchants, and recipient issuers / the Visa Direct clients and participants, and Visa makes no warranties with respect to them or their results. Visa Direct clients and participants are solely responsible for their own compliance with applicable laws and regulations. UK Finance. “Annual Fraud Report: The Definitive Overview of Payment Industry Fraud in 2021”. Available at https://www.ukfinance.org.uk/system/files/2022-06/Annual%20Fraud%20Report%202022_FINAL_.pdf This episode describes controls for Visa’s internal compliance purposes. Visa Direct clients and participants should always consult and seek approval from their internal compliance teams on sanctions screening controls and processes. Visa Direct clients and participants are solely responsible for their own compliance with applicable laws and regulations.

Season 1, Episode 8 of Money Travels presented by Visa. #VisaDirect #MoneyMovement #MoneyTravels Join Deepan Dagur and Aswin Phlaphongphanich for a deeper look at global remittances in Asia Pacific. Remittances span beyond overseas workers sending money back home. With more and more of our financial transactions going digital, people are remitting money to pay for overseas education, property, healthcare, or tourism. Dive deeper into global remittances, particularly in Asia Pacific, with Deepan Dagur, Vice President, Head of Visa Direct, Asia Pacific at Visa, and Aswin Phlaphongphanich, the Co-Founder and CEO of DeeMoney, Thailand's leading FinTech specializing in international money transfers. Sit back and press play on the new episode of Money Travels, presented by Visa. Learn more about Visa Direct: https://corporate.visa.com/en/products/visa-direct/money-travels.html Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Visa Direct capability enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa. Visa Direct product availability and functionality varies by market. Visa Direct’s actual fund availability depends on receiving financial institution and region. Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance with any applicable laws and regulations. The Visa controls described in this podcast are for Visa’s internal compliance purposes. Visa Direct clients and participants should always consult and seek approval from their internal compliance teams on sanctions screening controls and processes. Visa Direct clients and participants are solely responsible for their own compliance with applicable laws and regulations. This podcast contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 that relate to, among other things, our future operations, prospects, developments, strategies, business growth and financial outlook. Forward-looking statements generally are identified by words such as "believes," "estimates," "expects," "intends," "may," "projects," “could," "should," "will," "continue" and other similar expressions. All statements other than statements of historical fact could be forward-looking statements, which speak only as of the date they are made, are not guarantees of future performance and are subject to certain risks, uncertainties and other factors, many of which are beyond our control and are difficult to predict. We describe risks and uncertainties that could cause actual results to differ materially from those expressed in, or implied by, any of these forward-looking statements in our filings with the SEC. Except as required by law, we do not intend to update or revise any forward-looking statements as a result of new information, future events or otherwise. Migration and Development Brief 37 November 2022, International Bank for Reconstruction and Development/The World Bank, November 2022, knomad.org. “Reimagining travel: Thailand tourism after the COVID-19 pandemic,” McKinsey & Company, November 30 2021, mckinsey.com. Data collected as part of the Market Sizing research project conducted by Accenture, 2017. Data collected as part of the Market Sizing research project conducted by McKinsey, 2018. Copyright ©2020 “Profile of International Transactions in US. Residential Real Estate.” NATIONAL ASSOCIATION OF REALTORS®. All rights reserved. August 6, 2020, https://www.nar.realtor/sites/default/files/documents/2020-international-transactions-in-us-residential-real-estate-08-06-2020.pdf SHOW CONTRIBUTORS Indre Viskontas Deepan Dagur Aswin Phlaphongphanich

Season 1, Episode 12 of Money Travels presented by Visa. #VisaDirect #MoneyMovement #MoneyTravels Pankaj Sharma and Ani Sane examine the rise of mobile wallets and what it means for behavioral economics as our finances go digital. Whether your wallet is tucked into your pocket, thrown in your purse, or a swipe away on your smartphone, the way you handle your money has an effect on your actions - whether intentional or not. Today, Pankaj Sharma, Global Lead, Wallets, Product & Commercialization, Visa Direct at Visa and Ani Sane, Co-Founder & Chief Business Officer of TerraPay, sort through what digital wallets are, what digital wallet usage means for our spending habits, and if cash will even be around in 20 years. We hope you enjoy this fascinating new episode of Money Travels, brought to you by Visa. Learn more about Visa Direct: https://corporate.visa.com/en/products/visa-direct/money-travels.html Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Visa Direct capability enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa. This podcast contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 that relate to, among other things, our future operations, prospects, developments, strategies, business growth and financial outlook. Forward-looking statements generally are identified by words such as "believes," "estimates," "expects," "intends," "may," "projects," “could," "should," "will," "continue" and other similar expressions. All statements other than statements of historical fact could be forward-looking statements, which speak only as of the date they are made, are not guarantees of future performance and are subject to certain risks, uncertainties and other factors, many of which are beyond our control and are difficult to predict. We describe risks and uncertainties that could cause actual results to differ materially from those expressed in, or implied by, any of these forward-looking statements in our filings with the SEC. Except as required by law, we do not intend to update or revise any forward-looking statements as a result of new information, future events or otherwise. Availability varies by market. Please refer to your Visa representative for more information on availability. Visa Direct Wallet capability is under development and not yet commercially available. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. Visa Direct clients and participants should always consult and seek approval from their internal compliance teams on sanctions screening controls and processes, and are solely responsible for their own compliance with applicable laws and regulations. Optional compliance controls and risk management tools and services are provided solely for the convenience of [sending acquirers, service providers, merchants, and recipient issuers / the Visa Direct clients and participants, and Visa makes no warranties with respect to them or their results. Visa Direct clients and participants are solely responsible for their own compliance with applicable laws and regulations. This podcast describes controls for Visa’s internal compliance purposes. Visa Direct clients and participants should always consult and seek approval from their internal compliance teams on sanctions screening controls and processes. Visa Direct clients and participants are solely responsible for their own compliance with applicable laws and regulations. Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance with any applicable laws and regulations.

Season 1, Episode 11 of Money Travels presented by Visa. #VisaDirect #MoneyMovement #MoneyTravels Anastasia Serikova and Stergios Tsalis explore some of the enablers of the FinTech revolution and the resulting disruption of traditional financial services. FinTechs innovate how we pay and get paid. And their meteoric rise would not have been possible without networks like Visa Direct that help modernize payments by enabling transparent, real-time* money movement through eligible debit cards. Today, hear about the infrastructure behind the rise of FinTechs from Anastasia Serikova, Head of Visa Direct, Europe, and Stergios Tsalis, Vice President of Payments Experience at Nuvei, a payment technology platform that provides processing infrastructure and support for businesses to send and receive money. Press play and enjoy this in-depth new episode of Money Travels, brought to you by Visa. Learn more about Visa Direct: https://corporate.visa.com/en/products/visa-direct/money-travels.html Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Visa Direct capability enabled through a financial institution partner. Visa Direct product availability and functionality varies by market. Actual fund availability depends on receiving financial institution and region. The views and opinions expressed in this podcast are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa. Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance with any applicable laws and regulations. The conversion of cryptocurrency (non-fiat currency) to fiat currency (e.g., EUR, USD) occurs outside of Visa’s system. Visa’s involvement in any of these potential use cases is solely to send fiat currency funds using an OCT or AFT. This podcast contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 that relate to, among other things, our future operations, prospects, developments, strategies, business growth and financial outlook. Forward-looking statements generally are identified by words such as "believes," "estimates," "expects," "intends," "may," "projects," “could," "should," "will," "continue" and other similar expressions. All statements other than statements of historical fact could be forward-looking statements, which speak only as of the date they are made, are not guarantees of future performance and are subject to certain risks, uncertainties and other factors, many of which are beyond our control and are difficult to predict. We describe risks and uncertainties that could cause actual results to differ materially from those expressed in, or implied by, any of these forward-looking statements in our filings with the SEC. Except as required by law, we do not intend to update or revise any forward-looking statements as a result of new information, future events or otherwise. Certain Visa Direct Services involve the use of third party service providers, other financial institutions (such as network partners) and local clearing schemes. Availability varies by market. Please refer to your Visa representative for more information on availability. Visa Direct Wallet capability is under development and not yet commercially available. This podcast describes controls for Visa’s internal compliance purposes. Visa Direct clients and participants should always consult and seek approval from their internal compliance teams on sanctions screening controls and processes. Visa Direct clients and participants are solely responsible for their own compliance with applicable laws and regulations.

Season 1, Episode 4 of Money Travels presented by Visa. #VisaDirect #MoneyMovement #MoneyTravels Mike West, Paul Simpson, and Nick Newman discuss the latest developments in wage access that help employers pay their employees fast. From gig workers to full-timers, it seems people need to get paid faster than ever these days. That's why Visa Direct is helping businesses across the globe strengthen their workforce and increase retention by giving employees fast access to the money they've earned. On this episode of Money Travels, presented by Visa, host Indre Viskontas is joined by three very exciting guests: the Head of Global Commercialization for Visa Direct, Mike West, Senior Director of Payroll and Benefits at Ralph Lauren, Paul Simpson, and Strategic Initiatives Director at CloudPay, Nick Newman. Together, the four discuss the latest developments in wage access that help employers pay their workers fast - and what implications these innovations might have for the future of work. So press play and settle in for this insightful episode of Money Travels, brought to you by Visa. Learn more about Visa Direct: https://corporate.visa.com/en/products/visa-direct/money-travels.html Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Actual fund availability varies by receiving financial institution, receiving account type, and whether transaction is domestic or cross-border. Please refer to your Visa representative for more information on availability. Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance with any applicable laws and regulations. Twelve months 1 October 2021 – 30 September 2022. Visa Inc, Quarterly Results, Q4 2022 Transcript. This podcast contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 that relate to, among other things, our future operations, prospects, developments, strategies, business growth and financial outlook. Forward-looking statements generally are identified by words such as "believes," "estimates," "expects," "intends," "may," "projects," “could," "should," "will," "continue" and other similar expressions. All statements other than statements of historical fact could be forward-looking statements, which speak only as of the date they are made, are not guarantees of future performance and are subject to certain risks, uncertainties and other factors, many of which are beyond our control and are difficult to predict. We describe risks and uncertainties that could cause actual results to differ materially from those expressed in, or implied by, any of these forward-looking statements in our filings with the SEC. Except as required by law, we do not intend to update or revise any forward-looking statements as a result of new information, future events or otherwise. Case studies, comparisons, statistics, research and recommendations are provided “AS IS” and intended for informational purposes only and should not be relied upon for operational, marketing, legal, technical, tax, financial or other advice. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this recording, nor assumes any liability or responsibility that may result from reliance on such information. The information contained herein is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. Visa Direct capability enabled through financial institution partner. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa. Wallet functionality varies by market. Please consult your Visa Representative. Earned Wage Access Preferences Survey (April 2019). Commissioned by Visa and conducted by AYTM among 1,000 employees across the United States.

Season 1, Episode 5 of Money Travels presented by Visa. #VisaDirect #MoneyMovement #MoneyTravels Norman Butler and Parikshit Bhattacharya reveal the infrastructure needed to move money across borders at the scale and speed we’ve come to expect. We put our money in banks to keep it safe, and maybe watch it grow. But now that the digital revolution is here, and we’ve gotten a taste for real-time money movement, we want that same ease to be in place when we bank. To show us how it’s done, Indre Viskontas is speaking with Norman Butler, the Managing Director of Visa Payments Limited, and Parikshit Bhattacharya, who is the VP and Head of Cash Management of the Middle East at Barclays, about the infrastructure necessary to support moving money across borders, with different currencies, at the scale and speed that we now expect. So press play and get ready for this insightful episode of Money Travels, brought to you by Visa. Learn more about Visa Direct: https://corporate.visa.com/en/products/visa-direct/money-travels.html Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Actual fund availability varies by receiving financial institution and region, receiving account type, and whether transaction is domestic or cross-border. Please refer to your Visa representative for more information on availability. Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance with any applicable laws and regulations. Twelve months 1 October 2021 – 30 September 2022. Visa Inc, Quarterly Results, Q4 2022 Transcript. This podcast contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 that relate to, among other things, our future operations, prospects, developments, strategies, business growth and financial outlook. Forward-looking statements generally are identified by words such as "believes," "estimates," "expects," "intends," "may," "projects," “could," "should," "will," "continue" and other similar expressions. All statements other than statements of historical fact could be forward-looking statements, which speak only as of the date they are made, are not guarantees of future performance and are subject to certain risks, uncertainties and other factors, many of which are beyond our control and are difficult to predict. We describe risks and uncertainties that could cause actual results to differ materially from those expressed in, or implied by, any of these forward-looking statements in our filings with the SEC. Except as required by law, we do not intend to update or revise any forward-looking statements as a result of new information, future events or otherwise. Visa Direct capability enabled through financial institution partner. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa. The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa Direct product availability and functionality depends on receiving financial institution and region. Visa Direct Wallet capability is under development and not yet commercially available. The Visa controls described in this podcast are for Visa's internal compliance purposes. Visa Direct clients and participants should always consult and seek approval from their internal compliance teams on sanctions screening controls and processes. Visa Direct clients and participants are solely responsible for their own compliance with applicable laws and regulations.

Season 1, Episode 3 of Money Travels presented by Visa. #VisaDirect #MoneyMovement #MoneyTravels Breno Andrade and Enrique Perezalonso discuss the unique needs of those who rely on remittances and the innovations being developed to address them. Migration has been a feature of human history for as long as we’ve been able to track it, but payment methods have not kept up with the need for safe and efficient ways to send funds home to loved ones. On this episode of Money Travels, presented by Visa, host Indre Viskontas is joined by Breno Andrade, VP, Visa Direct Latin America and Caribbean, and Enrique Perezalonso, CEO and Co-Founder at Palla, a FinTech company that enables faster peer-to-peer payments. The trio discuss the unique needs of those who rely on remittances, and the complications that arise with cross-border money movement, including currency conversion and how remittance fees vary around the world. Plus, they’ll cover the latest innovations being developed to address these issues, making it more efficient and convenient to share the wealth. Hit play and enjoy this fascinating episode of Money Travels, brought to you by Visa. Learn more about Visa Direct: https://corporate.visa.com/en/products/visa-direct/money-travels.html Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Actual fund availability varies by receiving financial institution and region, receiving account type, and whether transaction is domestic or cross-border. Please refer to your Visa representative for more information on availability. Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance with any applicable laws and regulations. Twelve months 1 October 2021 – 30 September 2022. Visa Inc, Quarterly Results, Q4 2022 Transcript. This podcast contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 that relate to, among other things, our future operations, prospects, developments, strategies, business growth and financial outlook. Forward-looking statements generally are identified by words such as "believes," "estimates," "expects," "intends," "may," "projects," “could," "should," "will," "continue" and other similar expressions. All statements other than statements of historical fact could be forward-looking statements, which speak only as of the date they are made, are not guarantees of future performance and are subject to certain risks, uncertainties and other factors, many of which are beyond our control and are difficult to predict. We describe risks and uncertainties that could cause actual results to differ materially from those expressed in, or implied by, any of these forward-looking statements in our filings with the SEC. Except as required by law, we do not intend to update or revise any forward-looking statements as a result of new information, future events or otherwise. Visa Direct capability enabled through financial institution partner. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa. The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa Direct product availability and functionality varies by market.

Season 1, Episode 2 of Money Travels presented by Visa. #VisaDirect #MoneyMovement #MoneyTravels Visa Direct’s Nicole Stiller and Step’s Horacio Diaz Adda talk about making account-to-account transfers simple and fast for a tech-savvy generation. Technology has enabled us to send money to friends or buy something in-store with the tap of a button. So why is it still so difficult to move money between our own accounts? On this episode of Money Travels, presented by Visa, host Indre Viskontas is joined by Nicole Stiller, VP Head of Domestic Payments, North America Visa Direct, and Horacio Diaz Adda, the Chief Financial Officer at Step, a first-of-its-kind financial platform that empowers teens and adults to build credit, invest, save, and spend. The trio discuss the cumbersome process of transferring money between accounts and dive into how technology has increased the expectation of real-time payments. Hit play and enjoy this episode of Money Travels, brought to you by Visa. Learn more about Visa Direct: https://corporate.visa.com/en/products/visa-direct/money-travels.html Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Actual fund availability varies by receiving financial institution, receiving account type, and whether transaction is domestic or cross-border. Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance with any applicable laws and regulations. Twelve months 1 October 2021 – 30 September 2022. Visa Inc, Quarterly Results, Q4 2022 Transcript. This podcast contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 that relate to, among other things, our future operations, prospects, developments, strategies, business growth and financial outlook. Forward-looking statements generally are identified by words such as "believes," "estimates," "expects," "intends," "may," "projects," “could," "should," "will," "continue" and other similar expressions. All statements other than statements of historical fact could be forward-looking statements, which speak only as of the date they are made, are not guarantees of future performance and are subject to certain risks, uncertainties and other factors, many of which are beyond our control and are difficult to predict. We describe risks and uncertainties that could cause actual results to differ materially from those expressed in, or implied by, any of these forward-looking statements in our filings with the SEC. Except as required by law, we do not intend to update or revise any forward-looking statements as a result of new information, future events or otherwise. Case studies, comparisons, statistics, research and recommendations are provided “AS IS” and intended for informational purposes only and should not be relied upon for operational, marketing, legal, technical, tax, financial or other advice. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this recording, nor assumes any liability or responsibility that may result from reliance on such information. The information contained herein is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. Visa Direct capability enabled through financial institution partner.Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa. The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa Direct product availability and functionality varies by market.

Season 1, Episode 1 of Money Travels presented by Visa. #VisaDirect #MoneyMovement #MoneyTravels Global Head of Visa Direct, Ruben Salazar Genovez, is here to chat about the challenges associated with building a worldwide money movement network. Through the digitization of money movement around the world, a time-consuming process that lacked transparency has slowly improved. But how do we build an even better global money movement network? On this episode of Money Travels, presented by Visa, host Indre Viskontas is joined by the Global Head of Visa Direct, Ruben Salazar Genovez. He joins Indre to discuss the challenges associated with building a worldwide network to enable fast money movement and look at how the latest technological innovations are laying the groundwork for the future of money movement. This is an insightful episode you do not want to miss, so press play and join us for Money Travels, brought to you by Visa. Learn more about Visa Direct: https://corporate.visa.com/en/products/visa-direct/money-travels.html Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Actual fund availability varies by receiving financial institution, receiving account type, and whether transaction is domestic or cross-border. Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance with any applicable laws and regulations. Twelve months 1 October 2021 – 30 September 2022. Visa Inc, Quarterly Results, Q4 2022 Transcript. This podcast contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 that relate to, among other things, our future operations, prospects, developments, strategies, business growth and financial outlook. Forward-looking statements generally are identified by words such as "believes," "estimates," "expects," "intends," "may," "projects," “could," "should," "will," "continue" and other similar expressions. All statements other than statements of historical fact could be forward-looking statements, which speak only as of the date they are made, are not guarantees of future performance and are subject to certain risks, uncertainties and other factors, many of which are beyond our control and are difficult to predict. We describe risks and uncertainties that could cause actual results to differ materially from those expressed in, or implied by, any of these forward-looking statements in our filings with the SEC. Except as required by law, we do not intend to update or revise any forward-looking statements as a result of new information, future events or otherwise.

Welcome to Money Travels, presented by Visa, a podcast that is trekking across the globe and exploring the nuances of real-time¹ payments. Thanks to technology, we live in a world that becomes more interconnected every day, and as we grow closer, we not only see our similarities, but we also see the unique needs of people in every corner of the globe. So, the question begs to be asked, how can we use the very innovations that have brought us together to also serve the different needs of people around the world? In Money Travels, presented by Visa, we’ll journey across the continents exploring the nuances of real-time¹ payments from place to place while learning about the unique human needs in these diverse locations. Join neuroscientist and author, Indre Viskontas as she speaks with expert voices who are exploring the latest trends and insights that are helping ensure bright futures no matter where on earth you find yourself! Learn more about Visa Direct: https://corporate.visa.com/en/products/visa-direct/money-travels.html Connect with Visa Direct on LinkedIn: https://www.linkedin.com/showcase/visa-direct/ Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories. Our purpose is to uplift everyone, everywhere by being the best way to pay and be paid. Disclaimer: ¹Actual fund availability varies by receiving financial institution, receiving account type, and whether transaction is domestic or cross-border.