On this episode, Andrew Kanzer, Managing Director of Xero, North America, discusses building adaptable solutions for small businesses, the role of AI in accounting and the future of integrated financial tools.

Key Takeaways:

00:00 Introduction.

03:21 Open ecosystems provide flexibility for small businesses to customize workflows.

07:32 AI works best when it enhances professional expertise rather than replacing it.

08:36 Strategic partnerships expand capabilities and accelerate innovation.

11:29 Automation allows accountants to focus more on advice and strategy.

12:27 Technology improves collaboration between accountants and their clients.

14:14 Entering new markets requires thoughtful go-to-market strategies.

15:34 Human connection remains a competitive edge in financial services.

17:48 Lending continues to be a critical tool for small business resilience.

20:52 Career success comes from solving real problems and driving micro-innovation.

Resources Mentioned:

Andrew Kanzer

https://www.linkedin.com/in/akanzer

Xero | LinkedIn

https://www.linkedin.com/company/xero

Xero | Website

https://www.xero.com/

Gusto

https://gusto.com/

Melio

https://meliopayments.com/

OpenAI

https://openai.com/

Reddit post

https://www.reddit.com/r/xero/comments/1nc0jk5/so_happy_i_moved_to_xero_from_qbo

Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/

Thanks for listening to “SMB Tech Innovators,” powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.

#SMB #Fintech #Innovation #Saas #HR #Payroll #SmallBusiness

On this episode, Ross Buhrdorf, CEO and Co-Founder of ZenBusiness, discusses how his team is reshaping the entrepreneurship journey with AI-driven services, embedded fintech, and a powerful customer support model that puts people first.

Key Takeaways:

(05:12) Deep access to user data enables tailored business insights and recommendations.

(07:40) A unified data infrastructure ensures seamless collaboration across teams and customer interfaces.

(09:47) AI-powered features simplify complex business actions into one-click solutions.

(14:16) Formation and compliance services provide the foundation for small business growth.

(17:35) Partnerships are built on trust, shared values, and strong technical compatibility.

(21:16) AI monitors user activity to recommend relevant tools and services at the right time.

(25:04) Customer support is prioritized internally to deliver exceptional service externally.

(31:48) Internal fear is often the greatest obstacle to launching a successful business.

Resources Mentioned:

Ross Buhrdorf

https://www.linkedin.com/in/rossbuhrdorf/

ZenBusiness | LinkedIn

https://www.linkedin.com/company/zenbusiness-pbc/

ZenBusiness | Website

https://www.zenbusiness.com/

1-800Accountant

https://1800accountant.com/

Next Insurance

https://www.nextinsurance.com/

Intuit QuickBooks

https://quickbooks.intuit.com/

Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/

Thanks for listening to “SMB Tech Innovators,” powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.

#SMB #Fintech #Innovation #Saas #HR #Payroll #SmallBusiness

Eric Remer, CEO of EverCommerce, shares his entrepreneurial journey and reveals how he built a multi-billion-dollar company by focusing on tailored software solutions for service-based small businesses.

Key Takeaways:

(03:46) Businesses that focus on micro-verticals can provide more tailored solutions and drive greater customer engagement.

(06:39) Integrating core functionalities such as invoicing, payments and scheduling improves efficiency for small businesses.

(09:51) Industry-specific SaaS products enhance customer retention by aligning with a business’s day-to-day workflows.

(13:07) Strategic acquisitions can expand product offerings, fill technology gaps and accelerate growth in new verticals.

(15:31) Choosing between venture capital and private equity depends on long-term business objectives and risk tolerance.

(18:26) Overvaluing a company in early funding rounds can limit future fundraising options and hinder long-term scalability.

(22:04) Product-led growth enables businesses to scale efficiently by allowing users to onboard with minimal friction.

(28:10) Advanced software tools can make small businesses appear as operationally strong as larger competitors.

(28:47) Entrepreneurs can find inspiration in real-world stories of business owners who have overcome challenges and scaled successfully.

Resources Mentioned:

Eric Remer

https://www.linkedin.com/in/eric-remer/

EverCommerce | LinkedIn

https://www.linkedin.com/company/evercommerce/

EverCommerce | Website

https://evercommerce.com/

Business Underdog Podcast

https://www.businessunderdog.com/

Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/

Thanks for listening to “SMB Tech Innovators,” powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.

#SMB #Fintech #Innovation #Saas #HR #Payroll #SmallBusiness

On this episode, Cody Rogers, Chief Product Officer of Hubstaff, discusses the intersection of time tracking, workforce analytics and management, along with the trends shaping remote work and global hiring.

Key Takeaways:

(03:52) The importance of combining time tracking, workforce analytics and management.

(06:53) How global hiring is changing business operations and talent acquisition.

(11:13) Compliance challenges businesses face when managing a distributed workforce.

(13:45) Balancing flexibility and simplicity helps users get control without overwhelming complexity.

(16:24) Building features in-house vs. integrating with existing tools.

(19:28) How product integrations improve customer retention and user experience.

(21:59) Key factors in making product development and partnership decisions.

(23:58) Lessons from launching a SaaS tool focused on reducing customer churn.

(25:13) Essential skills for product managers, including communication and ownership.

Resources Mentioned:

Cody Rogers -

https://www.linkedin.com/in/codyrogers/

Hubstaff LinkedIn -

https://www.linkedin.com/company/hubstaff/

Hubstaff Website -

https://hubstaff.com/

Gusto -

https://gusto.com/

Deel -

https://www.deel.com/

Wise -

https://wise.com/

Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/.

Thanks for listening to “SMB Tech Innovators,” powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.



#SMB #Fintech #Innovation #Saas #HR #Payroll #SmallBusiness

On this episode, Yoseph West, Co-Founder and CEO of Relay, discusses how banking designed for small businesses can drive cash flow confidence and financial clarity.

Key Takeaways:

(03:43) Small businesses struggle with financial visibility.

(06:52) Relay differentiates itself from traditional business banks.

(09:07) Preventing check fraud with authorization controls.

(10:53) Small businesses still compare digital banks to traditional ones.

(14:41) Attracting new customers and driving organic growth.

(18:55) Three key factors matter when choosing fintech partners.

(24:17) Small businesses demand more from their financial institutions.

(28:19) Building deep relationships with customers is essential for success.

Resources Mentioned:

Yoseph West -

https://www.linkedin.com/in/yosephwest/

Relay LinkedIn -

https://www.linkedin.com/company/bankwithrelay/

Relay Website -

https://www.relayfi.com/

Coalition for Financial Ecosystem Standards -

https://www.businesswire.com/news/home/20241001547800/en/Coalition-for-Financial-Ecosystem-Standards-CFES-Launches-to-Develop-Industry-Standards-for-Nonbanks-Participating-in-Financial-Services

Any specific guest you’d like to hear on the show? Leave your suggestions at

https://www.smbtechinnovators.com/.

Thanks for listening to “SMB Tech Innovators,” powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.

#SMB #Fintech #Innovation #Saas #HR #Payroll #SmallBusiness

Key Takeaways:

(03:16) Leading GoDaddy’s EMEA region taught Irana the value of adapting strategies to cultural and regional contexts.

(07:55) SMBs face inefficiencies with seven or more tech tools, highlighting the need for integrated solutions.

(11:01) Proper experimentation enables rapid feedback, driving innovation and informed decision-making.

(14:01) GoDaddy’s bundling experiments revealed that quick wins, like instant email setup, enhance customer engagement.

(18:07) BILL’s acquisition of Divvy unified spend management and improved cash-flow insights through cohesive data.

(24:12) The use of AI is shifting from enhancing features to solving SMBs’ core challenges, such as automating workflows.

(27:27) Diversity means recognizing unique challenges, like balancing dual careers and parenting, to foster support.

(29:56) Without female managers, Irana thrived through mentorship. She urges others to innovate despite representation gaps.

(31:16) Irana now focuses on advisory roles and cherishes time with her family.

Resources Mentioned:

Irana Wasti -

https://www.linkedin.com/in/iranawasti/

BILL | LinkedIn -

https://www.linkedin.com/company/bill/

BILL | Website -

https://www.bill.com

GoDaddy -

https://www.godaddy.com/

Microsoft -

https://www.microsoft.com/

Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/

Thanks for listening to “SMB Tech Innovators,” powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.

#SMB #Fintech #Innovation #Saas #HR #Payroll #SmallBusiness

Key Takeaways:

(03:07) Effective payment systems blend workflows, payment methods and compliance.

(08:10) Users can customize payments by choosing how to send or receive money, enabling greater flexibility and efficiency.

(11:48) Veem adapts its interface to each country’s regulatory needs.

(17:26) Veem offers partners compliance and implementation guidance for smooth integration and reliable performance.

(20:51) Businesses now expect real-time payments with the immediacy of email or messaging.

(22:21) Blockchain and crypto are set to become key payment methods.

(25:36) Real-time payments attract fraud, requiring strong risk management and secure backend systems.

(28:04) Business payments lag behind consumer payments in innovation.

Resources Mentioned:

Marwan Forzley -

https://www.linkedin.com/in/marwanforzley/

Veem LinkedIn -

https://www.linkedin.com/company/veem/

Veem | Website -

https://www.veem.com/

Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/.

Thanks for listening to “SMB Tech Innovators,” powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.

#SMB #Fintech #Innovation #Saas #HR #Payroll #tSmallBusiness

Key Takeaways:

(04:50) Compliance requires small businesses to follow regulatory rules, often assumed to be fully managed by their software.

(10:26) Regulatory changes highlight the challenge of staying current with shifting compliance requirements.

(14:06) Compliance design can guide users, preserving choice and enabling flexibility and trust for small businesses.

(17:14) Collecting accurate data at the right time is critical to avoid costly penalties.

(22:19) Simplifying jargon helps SMBs understand compliance without feeling overwhelmed.

(25:08) Continuous updates in compliance workflows fosters trust and alleviates user anxiety.

(28:19) Generative AI has the potential to synthesize vast regulatory datasets, offering SMBs personalized and actionable compliance guidance.

Resources Mentioned:

Amy Thibodeau -

https://www.linkedin.com/in/amythibodeau/

Gusto LinkedIn -

https://www.linkedin.com/company/gustohq/

Gusto | Website -

https://gusto.com/

Beneficial Ownership Filing Guide -

https://boiefiling.fincen.gov/resources/BOIR_Filing_Instructions.pdf

California Harassment Training Resources -

https://www.paradigmiq.com/training/sexual-harassment/?utm_campaignid=21124546524&utm_adgroupid=161218862861&utm_targetid=kwd-412771095553&utm_loc_interest_ms=21137&utm_loc_physical_ms=9061346&utm_matchtype=b&utm_network=g&utm_device=c&utm_devicemodel=&gclid=CjwKCAiA6t-6BhA3EiwAltRFGEkdxNc77MwQPnLSw27yzfqw7jZlpgkMJhmnAecZKZZSfruMMGPp4BoCUiYQAvD_BwE&utm_creative=705134143406&utm_keyword=sexual%20harassment%20training%20los%20angeles&utm_placement=&utm_target=&utm_adposition=&utm_term=sexual%20harassment%20training%20los%20angeles&utm_campaign=DEI+Strategy+-+Search+Campaign&utm_source=adwords&utm_medium=ppc&hsa_acc=6040429001&hsa_cam=21124546524&hsa_grp=161218862861&hsa_ad=705134143406&hsa_src=g&hsa_tgt=kwd-412771095553&hsa_kw=sexual%20harassment%20training%20los%20angeles&hsa_mt=b&hsa_net=adwords&hsa_ver=3&gad_source=1

Gusto’s Learning Management System (LMS) -

https://moodle.gusto-education.com/admin/tool/dataprivacy/summary.php

Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/.

Thanks for listening to “SMB Tech Innovators,” powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.

#SMB #Fintech #Innovation #Saas #HR #Payroll #SmallBusiness

Key Takeaways:

(01:27) Unified APIs connect employment data, process payments and streamline HR functions for employers and applications.

(03:12) Simplify retirement benefits by connecting census data, pay statements and payroll deductions.

(04:46) Finch connects 50,000 employers and 5 million employees, powering equity management, health insurance and retirement systems.

(08:43) Sensitive employee data demands secure handling to prevent breaches like Equifax’s $700M settlement.

(11:57) Finch builds a centralized API exchange layer that eliminates inefficiencies in employment data, improving compliance and accuracy.

(14:30) Fragmentation from 6,000 US payroll providers complicates standardization and connectivity.

(22:38) ICHRA benefits let employees buy health insurance, with unused funds covering other health expenses, powered by Finch.

(27:59) A strong founder-market fit enables startup success by leveraging unique expertise to tackle industry-specific challenges effectively.

Resources Mentioned:

Jeremy Zhang -

https://www.linkedin.com/in/jeremyziyuzhang/

Finch LinkedIn -

https://www.linkedin.com/company/finchapi/

Finch website -

https://tryfinch.com/

Gusto -

https://gusto.com/

ADP -

https://www.adp.com/

Paychex -

https://www.paychex.com/

Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/

Thanks for listening to “SMB Tech Innovators,” powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.

#SMB #Fintech #Innovation #Saas #HR #Payroll #SmallBusiness

Vignan Velivela, Co-Founder and CEO of AtoB, is reshaping the financial landscape of the trucking industry, where small businesses often lack the tools to manage their finances efficiently. With AtoB, Vignan is introducing digital payment solutions tailored specifically for trucking, addressing pain points from fuel costs to payroll delays. In this episode, he shares how AtoB empowers trucking companies to operate more profitably by reducing costs and streamlining payments.

Key Takeaways:

(04:17) COVID highlighted trucking's critical role in supply chains.

(07:57) Legacy payment networks hinder the industry’s financial modernization.

(09:46) AtoB aims to build a “Stripe” for trucking to simplify transactions.

(11:29) Partnering with Uber Freight enhances AtoB’s reach among small businesses.

(14:21) Fuel is the largest cost for trucking; AtoB’s fuel card reduces expenses.

(16:08) Truck drivers often face delays in receiving payment, impacting cash flow.

(21:41) Small trucking businesses struggle with access to digital payroll solutions.

(26:24) Thorough customer research has driven AtoB’s product decisions.

(32:52) Electric vehicle adoption in trucking will initially focus on local fleets.

Resources Mentioned:

Vignan Velivela -

https://www.linkedin.com/in/vignanv8/

AtoB -

https://www.linkedin.com/company/goatob/

Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/

Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.

This episode of The SMB Tech Innovators Podcast is brought to you by Gusto. Gusto has spent a decade building and testing its payroll, tax filing, and compliance infrastructure, which is available as a robust set of APIs so you can develop custom-tailored payroll solutions.

For more information, go to https://gusto.com/

#SMB #Fintech #Innovation #Saas #HR #Payroll #SmallBusiness

On this episode, Tomer London, Co-Founder and CPO of Gusto, talks to host Rex Salisbury, Founder and General Partner of Cambrian, about Gusto's journey into embedded payroll, scaling through partnerships and the unique challenges of compliance and user experience in the fintech landscape.

Key Takeaways:

(03:02) Gusto’s early vision for embedded payroll and waiting for market readiness to capitalize on it.

(06:00) Gusto’s unique focus on creating a "modern delightful payroll" experience.

(13:36) Strategic timing behind launching embedded payroll, in line with industry trends.

(19:58) Challenges in small business payroll, highlighting complex regulatory requirements.

(22:32) Key partnerships, such as with JPMorgan, that amplify Gusto's reach and scalability.

(27:35) Dedicated “zero-to-one” teams that enable Gusto to innovate while scaling.

(41:10) A partner-focused approach in onboarding enterprise clients to Gusto’s embedded payroll.

(46:53) Three principles for product design: functional, intuitive and delightful user experiences.

Resources Mentioned:

Tomer London -

https://www.linkedin.com/in/tomerlondon/

Gusto | LinkedIn -

https://www.linkedin.com/company/gustohq/

Gusto | Website -

https://www.gusto.com

Rex Salisbury -

https://www.linkedin.com/in/rexsalisbury/

Cambrian | Website -

https://www.cambrianhq.com/

Collective -

https://www.collective.com/

CleanCloud -

https://clean.cloud/

Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/

Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.

#SMB #Fintech #Innovation #Saas #HR #Payroll #SmallBusiness

Technology is transforming how businesses handle payments, driven by innovation and customer expectations. On this episode, Jessica Young, Managing Director and Head of Product, Chase Payment Solutions of JPMorgan Chase & Co., discusses her journey from intern to Head of Product, the impact of the WePay acquisition and how Chase is setting itself apart in the payments industry.

Key Takeaways:



(01:20) Jessica's career journey.

(02:00) The significance of the WePay acquisition for Chase's product innovation. 

(05:00) Overview of Chase Payment Solutions and its offerings for small businesses. 

(06:50) Differentiation through trusted security and seamless integration.

(23:15) Criteria for selecting partners: product robustness, security and economics. 

(26:35) Benefits of Chase's robust product development processes. 

(29:00) Staying close to the customer in product development. 

(31:00) Jessica's unique approach to celebrating product launches through music. 

(32:30) Jessica's advice to future leaders on maintaining customer focus.

Resources Mentioned: 

Jessica Young -

https://www.linkedin.com/in/jessica-young-a2331a19/

JPMorgan Chase & Co.| LinkedIn -

https://www.linkedin.com/company/jpmorganchase/

JPMorgan Chase | Website -

https://www.jpmorganchase.com/

Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/

Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.

#SMB #Fintech #Innovation #Saas #HR #Payroll #SmallBusiness

Key Takeaways:

(03:12) An all-in-one platform to help law firms manage operations from intake to invoicing.

(07:05) Law firms increasingly want to consolidate their tools, preferring fewer, more integrated solutions.

(10:30) The complexity of legal compensation systems, such as billable hours and revenue-sharing, requires tailored software solutions.

(11:51) Clio is cautious about bolting on solutions without integration with the existing platform.

(14:57) Effective onboarding sequencing is critical to avoid overwhelming small business clients.

(18:15) Law firms have lower churn rates than other industries, which helps Clio maintain long-term customer relationships.

(20:01) Clio Duo, an AI-driven product, enhances efficiency in legal practices by streamlining operations.

(25:58) The importance of customer obsession when building vertical SaaS solutions.

Resources Mentioned:

Ronnie Gurion -

https://www.linkedin.com/in/rgurion/

Clio - Cloud-Based Legal Technology -

https://www.linkedin.com/company/clio---cloud-based-legal-technology/

Clio | Website -

https://www.clio.com/

Clio Duo -

https://www.clio.com/about/press/clio-unveils-clio-duo/

Clio Manage -

https://account.clio.com/

Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/

Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.

This episode of The SMB Tech Innovators Podcast is brought to you by Gusto. Gusto has spent a decade building and testing its payroll, tax filing, and compliance infrastructure, which is available as a robust set of APIs so you can develop custom-tailored payroll solutions.

For more information, go to https://gusto.com/

#SMB #Fintech #Innovation #Saas #HR #Payroll #SmallBusiness

Key Takeaways:

(02:02) Authenticity and staying true to oneself are key to leadership.

(05:14) PayPal started with small businesses on eBay and now supports SMB growth through five key jobs: get customers, get paid, pay vendors, manage cash flow and run operations.

(09:01) PayPal Complete Payments offers a single integration for multiple microservices, including Fastlane, which cuts checkout time by 32%.

(11:13) Fastlane boosts conversion rates by up to 50%, making checkout quicker and reducing customer drop-offs, benefiting both merchants and consumers.

(17:00)  Prioritizing customer acquisition while also addressing operational needs, especially for smaller businesses, to support overall growth.

(20:22) PayPal offers flexible payment solutions that integrate with both its hardware and vertical-specific systems, focusing on partnerships over competition.

(22:57) PayPal collaborates closely with complex international partners to build versatile solutions, ensuring they address both broad and specific merchant needs.

(25:10) Understand your customers by speaking to them directly, allowing for unfiltered feedback, and never assume their needs — always ask and listen.

Resources Mentioned:

Michelle Gill -

https://www.linkedin.com/in/michelle-gill-47b2a85/

PayPal | LinkedIn-

https://www.linkedin.com/company/paypal/

Paypal website -

http://paypal.com/

Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/

Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.

#SMB #Fintech #Innovation #Saas #HR #Payroll #SmallBusiness

Today, John Shapiro, Chief Product and Technology Officer, shares how Lightspeed empowers businesses to streamline operations, enhance product usability and leverage AI and machine learning for a competitive edge.

Key Takeaways:

(01:25) John’s career path from engineering to product management.

(02:08) The influence Steve Jobs’ commencement speech had on John’s career.

(03:14) Transitioning from software engineering to business operations and product management.

(04:03) The shift from desktop software to cloud solutions at Adobe.

(05:58) Lightspeed’s focus on complex in-store workflows for ambitious entrepreneurs.

(07:21) Balancing default settings and user flexibility in product design.

(09:45) Understanding customer problems is vital to drive product development.

(13:20) Integrating new technologies and financial services into Lightspeed’s platform.

(17:42) Validating market demand before building or partnering on new products.

(21:29) The role of AI in inventory forecasting and supplier recommendations.

(25:07) Using AI to enhance inventory forecasting and supplier recommendations.

(27:50) Balancing simplicity and capability in product design.

(29:23) Advice for aspiring product managers on navigating their careers.

Resources Mentioned:

Lightspeed Commerce -

https://www.linkedin.com/company/lightspeedcommerce/

John Shapiro -

https://www.linkedin.com/in/johnshapiro/

Steve Jobs’ Commencement Speech -

https://www.youtube.com/watch?v=UF8uR6Z6KLc

Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/.



Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.

#SMB #Fintech #Innovation #Saas #HR #Payroll #SmallBusiness

Key Takeaways:

(01:52) Fred’s journey from Lebanon to the US and his early tech interests.

(07:00) The tough start of Vagaro and why persistence matters.

(09:54) How Vagaro helps businesses run smoothly.

(12:27) Embedded finance products and their impact.

(14:58) The effects of COVID-19 on the beauty and wellness industry.

(18:08) Adapting to change and staying innovative.

(21:14) The role of AI in customer communication.

(25:23) Payroll integration and its benefits.

(28:29) The evolution of customer needs and platform expansion.

(31:42) Fred’s vision for Vagaro’s future.

Resources Mentioned:

Fred Helou - https://www.linkedin.com/in/fredhelou/

Vagaro | LinkedIn - https://www.linkedin.com/company/vagaro/

Vagaro | Website - https://www.vagaro.com/

Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/.

Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.

#SMB #Fintech #Innovation #Saas #HR #Payroll #SmallBusiness

Key Takeaways:

(03:10) Diverse roles in strategy, operations and payments add value to smaller firms.

(05:22) ISV: software solutions for specific verticals like restaurants.

(09:04) Key dining trends: online menu research, loyalty programs.

(10:59) Restaurant trends: balancing tech deployment with human interaction.

(12:51) Flexibility in delivering the right dining experience.

(13:00) Evolution of payments: focus on monetizing and optimizing experiences.

(14:32) TouchBistro’s intentional approach to payment workflows.

(18:04) Future of payments: the potential of soft POS solutions.

(22:18) Fraud management: layered security and optionality in payments.

Resources Mentioned:

Andrea Kando -

https://www.linkedin.com/in/andrea-kando/

TouchBistro | LinkedIn -

https://www.linkedin.com/company/touchbistro/

TouchBistro | Website -

https://www.touchbistro.com/

Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/

Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.

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Key Takeaways:

(02:06) Yuval details the bottom-up culture at Meta and its influence on him.

(03:13) HoneyBook is a client flow management platform primarily for independent service providers.

(05:53) HoneyBook’s mission is to support aspects of business clients are least passionate about.

(06:49) HoneyBook’s target market focuses on committed businesses.

(08:17) Independents face challenges as their businesses grow.

(12:33) Integration of embedded fintech features to manage cash flows efficiently.

(16:00) HoneyBook’s careful approach to providing loans as part of embedded finance.

(18:11) The successful adoption of financial features, including tax savings.

(22:21) Emphasis on the need for empathy in developing financial products.

(24:25) The application of generative AI in assisting with client inquiries.

(28:14) Future plans for enhancing platform functionalities with more AI technologies.

(29:48) Insights on building a team culture that embraces new technologies and efficiencies.

Resources Mentioned:

Yuval Kesten -

https://www.linkedin.com/in/yuvalk/

HoneyBook | LinkedIn -

https://www.linkedin.com/company/honeybook/

HoneyBook | Website -

https://www.honeybook.com/

Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/

Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.

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Key Takeaways:

(04:06) Peek’s software is recognized by G2 as the leader in tourism activity software.

(05:26) Innovation and customer collaboration.

(06:42) Product prioritization in vertical SaaS and focusing on winning a category before expansion.

(08:55) Providing cohesive customer experiences across multiple products.

(11:16) Peek’s focus on winning sub-verticals within the tour operator market.

(14:50) Balancing customization and scalability in product development.

(19:21) Tying ROI to product investments.

(23:08) Exploration of embedded finance within Peak's platform.

(27:04) The importance of intentionality in product management and leadership.

(28:45) Commitment to supporting female founders and leaders in tech.

Resources Mentioned:

Navya Rehani Gupta -

https://www.linkedin.com/in/navyarehani/

Peek | LinkedIn -

https://www.linkedin.com/company/peek-com/

Peek | Website -

https://www.peek.com/

Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/

Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.

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Their discussion highlights how they’ve harnessed technology to empower the self-employed while maintaining the essential human touch that distinguishes their service.

Key Takeaways:

(02:17) The inception of Formations and Shahar’s collaboration with Uri.

(04:14) Formations’ focus on the self-employed market and its challenges.

(07:22) How the COVID-19 pandemic unexpectedly supported their business model.

(10:13) Integrating AI to enhance customer engagement while maintaining personal interaction.

(10:31) The advantages of embedding fintech in Formations.

(13:48) Insights into the service model, emphasizing a non-DIY approach tailored for the self-employed.

(18:08) Handling complex tax issues with a mix of automation and expert advice.

(20:27) Introduction to “MAX,” an AI tax and accounting assistant with public access.

(24:50) The security of data with MAX, despite its public availability.

(28:47) Reflections on Formations’ organic growth and the role of human interaction.

Resources Mentioned:

Uri Bar-Joseph -

https://www.linkedin.com/in/uribarjoseph/

Shahar Plinner -

https://www.linkedin.com/in/shaharplinner/

Formations | LinkedIn -

https://www.linkedin.com/company/formationscorp/

Formations Corp | Website -

https://formationscorp.com/

Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/.

Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.

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In this episode, CJ Gustafson, CFO of PartsTech, delves into the nuances of vertical SaaS and marketplaces, highlighting the critical role of analytics in refining these services. With the fintech sector continuously evolving, understanding its complexities is essential for businesses looking to innovate their operations and customer engagement strategies.

Key Takeaways:

(02:09) The significance of writing in personal and professional growth.

(03:44) The concept of control points in vertical SaaS and its impact on customer activation and product expansion.

(07:02) Highlighting PartsTech’s approach to measuring customer behavior changes through specific activation metrics.

(08:23) A critical view on total addressable market (TAM) estimates and the importance of a detailed approach.

(11:07) Examining the realistic challenges and expectations around multi-product strategies.

(14:00) The evolution from vertical SaaS to marketplaces, exploring benefits and challenges.

(17:00) An overview of PartsTech’s business model, emphasizing their take rate strategy.

(19:35) The significance of take rates as an indicator of power dynamics in marketplaces.

(23:49) How analytics and add-on products can make a marketplace or fintech offering more defensible.

(26:22) Forecasting advice for CFOs, with a focus on understanding customer engagement and product development costs.

(27:05) The motivation behind starting a podcast and the power of networking through content creation.

Resources Mentioned:

CJ Gustafson -

https://www.linkedin.com/in/cj-gustafson-13140948/

PartsTech | LinkedIn -

https://www.linkedin.com/company/partstech/

PartsTech | Website -

https://partstech.com/

Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/.

Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.

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Key Takeaways:

(02:28) Early interest in merging fintech with SaaS predates the current trend.

(04:56) Embedding fintech is complex and requires more than merely adding services.

(07:31) Highlighting operational challenges in embedding fintech services.

(08:37) Selection of fintech services should align with the core offerings of the platform.

(10:12) Examples of successful embedded fintech that enhance SaaS platforms’ core value.

(11:05) Shopify enhances value with embedded banking and lending.

(11:45) The right timing for SaaS companies to offer fintech products.

(12:14) Matching fintech products with customer needs and familiarity.

(13:23) Selling fintech to new versus existing customers.

(14:59) Discussing “minimum delightful product” versus full development.

(17:57) Addressing risks and compliance in embedding fintech.

(21:49) Excitement about AI in professional services and of new companies leveraging data.

Resources Mentioned:

Seema Amble -

https://www.linkedin.com/in/seema-amble-b404126/

Andreessen Horowitz | LinkedIn -

https://www.linkedin.com/company/a16z/

Andreessen Horowitz | Website -

https://a16z.com/

My First 16 Podcast -

https://a16z.com/podcasts/myfirst16/

Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/

Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.

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Key Takeaways: 

(02:06) Addressing health insurance as a major pain point for small businesses was the motivation behind starting Sana.

(02:39) Building a virtual primary care practice to enhance the healthcare experience.

(03:59) The shift toward value-based care models in healthcare is worthy of discussion.

(05:44) Trends in the health insurance market, including the rise in healthcare’s share of GDP.

(08:32) Sana’s focus is on small businesses and their unique needs.

(10:09) Efforts to transform patient experience through exceptional customer service and virtual care.

(11:34) A strategy for treating any provider as in-network to simplify processes for members.

(16:02) The role of brokers in the health insurance market and Sana’s relationship with them.

(21:30) Insight into Sana’s product strategy, focusing on healthcare.

(24:59) Will shares advice for starting a business in regulated industries.

Resources Mentioned:

Will Young -

https://www.linkedin.com/in/williamcyoung/

Sana Benefits | LinkedIn -

https://www.linkedin.com/company/sana-benefits/

Sana Benefits | Website -

https://www.sanabenefits.com/

Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/.

Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.

This episode of The SMB Tech Innovators Podcast is brought to you by Gusto. Gusto has spent a decade building and testing its payroll, tax filing, and compliance infrastructure, which is available as a robust set of APIs so you can develop custom-tailored payroll solutions.

For more information, go to https://gusto.com/.

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Zack Miller, Founder and Managing Editor of Tearsheet, uses his years of experience and insights to unravel the complexities of this world, guiding us through the evolution of financial technology and the crucial role of seasoned leaders in steering hyperscaling companies.

Key Takeaways: 

(02:26) Tearsheet’s evolution and incumbent innovation focus.

(03:06) Traditional finance and fintech partnership necessity.

(05:19) Tearsheet’s audience-centric business and storytelling model.

(07:57) Regulatory hurdles for fintech entrepreneurs.

(10:37) SMB hesitance in changing financial providers.

(13:54) Embedded tools shaping SMB technology’s future.

(17:36) Intuit and QuickBooks’ ecosystem success.

(21:46) Essential partnership skills in fintech.

(23:36) Value of experienced managers in fintech.

(25:36) Zack’s view on AI, quantum computing and crypto in finance.

(28:22) Banks adapting to new tech and trends.

(29:04) The state of fintech acquisitions and market challenges.

Resources Mentioned:

Zack Miller -

https://www.linkedin.com/in/zackmiller/

Tearsheet | LinkedIn -

https://www.linkedin.com/company/tearsheet/

Tearsheet Podcast: Exploring Financial Services Together -

https://tearsheet.co/

Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/.

Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.

This episode of The SMB Tech Innovators Podcast is brought to you by Gusto. Gusto has spent a decade building and testing its payroll, tax filing, and compliance infrastructure, which is available as a robust set of APIs so you can develop custom-tailored payroll solutions.

For more information, go to https://gusto.com/.

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Key Takeaways:

(02:39) The high consumer expectations in banking services.

(04:28) Lili’s mission — to simplify small business financial management.

(06:37) Addressing the unique challenges of small business owners.

(07:15) Overcoming financial management hurdles in small businesses.

(08:47) The synergy of banking and accounting in Lili.

(10:29) AI’s role in automating financial management. 

(14:04) The strategy behind building vs. buying technology for Lili. 

(16:08) Lili’s plans, including accounting and tax focus.

(20:04) Designing Lili for inclusivity, particularly for female entrepreneurs.

(22:52) Advice for fintech founders on navigating regulatory challenges.

Resources Mentioned:

Lilac Bar David -

https://www.linkedin.com/in/lilachbardavid/

Lili | LinkedIn -

https://www.linkedin.com/company/hellofromlili/

Lili | Website -

https://lili.co/

Pepper -

https://www.pepper.co.il/

Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/.

Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button, and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.

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Key Takeaways:

(03:35)  An overview of Tebra, the healthcare software platform.

(05:24)  Trends in healthcare: independent providers and consolidation in health systems.

(06:56)  The importance of end-to-end platforms in healthcare.

(08:41)  A discussion of patient experience and outcomes in healthcare technology.

(11:38)  Challenges and lessons created from merging two companies to form Tebra.

(14:10)  Strategies for integrating different teams and technologies in a merged company.

(18:31)  Embedded fintech opportunities in healthcare.

(23:48)  Ethical implications of aggregating and analyzing patient data.

(26:22)  Advice for new healthcare tech innovators and future trends.

Resources Mentioned:

Andrea Kowalski -

https://www.linkedin.com/in/andrea-kowalski/

Chief -

https://www.linkedin.com/company/joinchief/

Tebra -

https://www.linkedin.com/company/tebra/

Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/

Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.

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Key Takeaways:

(02:19) Trend of connecting back-office processes in mid-market companies.

(03:11) Disconnected systems in small businesses and the concept behind NorthOne.

(04:16) NorthOne's market differentiation as a connected bank account for small businesses.

(07:04) Streamlining banking processes for business owners.

(10:08) Challenges and strategies in launching NorthOne.

(14:37) Changes in the fintech macro environment, including venture capital.

(18:16) Using customer data to focus on profitable and engaged segments.

(21:01) Evolving competition in banking and digital offerings by traditional banks.

(24:27) Core technology trends impacting banking today.

Resources Mentioned:

Eytan Bensoussan -

https://www.linkedin.com/in/eytanbensoussan/?originalSubdomain=ca

NorthOne | LinkedIn -

https://www.linkedin.com/company/northone/

NorthOne | Website -

https://www.northone.com/

McKinsey & Company -

https://www.mckinsey.com/

Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/

Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.

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Key Takeaways:

(00:56) Mara’s journey to FreshBooks and her diverse career background.

(03:39) FreshBooks' unique owner-first approach to accounting software.

(04:11) The evolution from a simple invoicing platform to comprehensive accounting services.

(05:06) Introduction of collaborative accounting in FreshBooks.

(08:31) FreshBooks' strategy in technology partnerships and embedded technologies.

(13:04) The impactful role of AI for small businesses, according to FreshBooks' study.

(17:35) The significance of actionable insights over 'dinner-party data.'

(21:50) Strategies to enhance customer experience through effortless interactions.

Resources Mentioned:

Mara Reiff -

https://www.linkedin.com/in/marareiff/

FreshBooks | LinkedIn -

https://www.linkedin.com/company/freshbooks/

FreshBooks | Website -

https://www.freshbooks.com/

Mara Reiff's LinkedIn -

https://www.linkedin.com/in/marareiff/

Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/

Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.

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Greg Ott, CEO of Nav Technologies, Inc., delves deep into the nuances of the open platform model and its significance in the current business landscape. He shares invaluable insights on how the open ecosystem can cater to the diverse needs of small businesses, emphasizing the importance of transparency, efficiency and customer-centric solutions. 

Key Takeaways:

(07:45) The challenges and limitations of closed ecosystems.

(12:30) Nav's unique approach: Championing the open platform model.

(16:20) The critical role of transparency and efficiency in open ecosystems.

(22:07) The importance of building embedded fintech based on customer insights.

(23:54) The debate: Verticalized versus generalized solutions in the business ecosystem.

(25:17) The strategy of consolidation and its potential benefits for newcomers in the ecosystem.

Resources Mentioned:

Greg Ott -

https://www.linkedin.com/in/gregott/

Nav Technologies, Inc. | LinkedIn -

https://www.linkedin.com/company/navsmb/

Nav | Website -

https://www.nav.com/

Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/

Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.

This episode of The SMB Tech Innovators Podcast is brought to you by Gusto. Gusto has spent a decade building and testing its payroll, tax filing, and compliance infrastructure, which is available as a robust set of APIs so you can develop custom-tailored payroll solutions.

For more information, go to https://gusto.com/

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On this episode, Jack Altman, Co-Founder and CEO of Lattice, discusses the rapidly changing landscape of HR tools and the significance of creating platforms that prioritize both adaptability and user experience. 

Key Takeaways:

(07:01) The dynamic nature of companies and the pivotal role of customer experience in Lattice's strategy.

(07:29) The emergence of embedded HR tools and the transition towards an open ecosystem.

(08:16) Embedded payroll and the myriad benefits of a unified tech stack.

(10:25) The essence of integrations and Lattice's approach to prioritizing them.

(11:30) The untapped potential of data in HR.

(15:31) The indispensable human element in HR and the delicate balance between data and intuition.

(16:56) The nuances between horizontal and vertical SaaS.

(19:52) Jack’s advice to budding founders on the transition to a multi-product offering, emphasizing strategic considerations.

Resources Mentioned:

Jack Altman -

https://www.linkedin.com/in/jackealtman/

Lattice | LinkedIn -

https://www.linkedin.com/company/lattice-hq/

Lattice HRIS | Website -

https://lattice.com/

Gusto Embedded -

https://embedded.gusto.com/

Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/

Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.

This episode of The SMB Tech Innovators Podcast is brought to you by Gusto. Gusto has spent a decade building and testing its payroll, tax filing, and compliance infrastructure, which is available as a robust set of APIs so you can develop custom-tailored payroll solutions.

For more information, go to https://gusto.com/

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He saw what it means to build with embedded fintech — before the term was widely known.

Today, Mauricio covers why there is so much opportunity in the insurance space and how to properly build your core offering before expanding to additional services.

Highlights include:

- What is an MGA?

- The framework for thinking about modern embedded fintech products and risk.

- The right time to add an embedded finance product to your core offering.

- How should founders price their digital products?

- What is the most exciting thing in fintech right now?

Resources Mentioned:

Mauricio Comi -

https://www.linkedin.com/in/mcomi/

Dutchie Insurance Services, LLC | LinkedIn -

https://www.linkedin.com/company/getdutchie/

Dutchie Insurance Services | Website -

https://business.dutchie.com/insurance

Intuit -

https://www.intuit.com/careers/?cid=pjob_lip_click_us_active-fy20_cn_text_job_intuit-talent&iis=pjob&iisn=lip

Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/

Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.

This episode of The SMB Tech Innovators Podcast is brought to you by Gusto. Gusto has spent a decade building and testing its payroll, tax filing, and compliance infrastructure, which is available as a robust set of APIs so you can develop custom-tailored payroll solutions.

For more information, go to https://gusto.com/

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Instead of law books, there are now online databases. Instead of paper copies, there are digital contracts. Managing clients from your smartphone is normalized.

Legal technology has redefined law, bringing efficiencies and simplification to everyday tasks.

Today, Keri Gohman, Chief Executive Officer at CARET, discusses specific use cases for vertical solutions and why there is still so much opportunity for massive growth in the legal industry.

Highlights include:

- How is CARET different from other practice management solutions?

- The role embedded fintech plays for business management within law firms.

- How to talk to an organization in its early stages about the opportunities of embedded fintech.

- Why you should start marketing new features as they get added to your platform.

- Horizontal versus vertical solutions.

- How will AI affect small and medium-sized businesses in the future?

Any specific guest you'd like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/

Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.

This episode of The SMB Tech Innovators Podcast is brought to you by Gusto. Gusto has spent a decade building and testing its payroll, tax filing, and compliance infrastructure, which is available as a robust set of APIs so you can develop custom-tailored payroll solutions.

For more information, go to https://gusto.com/

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While fintech has been around for almost two decades, most of the well-known enterprises have used horizontal solutions. Now, vertical solutions are emerging in many niches and creating better options for small businesses and customers alike.

Today, Prashant Fuloria, Chief Executive Officer at Fundbox, discusses how important embedded financial services are and why they benefit both vertical and horizontal solutions in specific ways.

Highlights include:

- Fundbox explained in two minutes.

- How does Fundbox compare to traditional lending companies?

- What are banks doing to compete with fintech?

- What’s driving the overall growth of embedded finance?

- How to identify the right software partners.

- What is Fundbox focused on creating next?

- Horizontal versus embedded solutions in the world of fintech.

- Advice to SaaS partners thinking about partnering with an embedded product.

Resources mentioned:

Prashant Fuloria -

https://www.linkedin.com/in/fuloria/

Fundbox -

https://www.linkedin.com/company/fundbox/

Any specific guest you’d like to hear on the show? Leave your suggestions at https://www.smbtechinnovators.com/

Thanks for listening to SMB Tech Innovators, powered by Gusto | Embedded Finance, Vertical SaaS, Payroll API. If you enjoyed this episode, hit the subscribe button and never miss another insightful conversation. And be sure to leave a review to help get the word out about the show.

This episode of The SMB Tech Innovators Podcast is brought to you by Gusto. Gusto has spent a decade building and testing its payroll, tax filing, and compliance infrastructure, which is available as a robust set of APIs so you can develop custom-tailored payroll solutions.

For more information, go to https://gusto.com/