Heads Talk ®

• 276 - Ralf Germer, CEO: BRICS Series, PagBrasil - The Pix Paradox: Small Transactions, Global Ripples

  Let us know your thoughts. Send us a Text Message. Follow me to see #HeadsTalk Podcast Audiograms every Monday on LinkedInEpisode Title: 🇧🇷The Pix Paradox: Small Transactions, Global Ripples🇧🇷This episode is a crossover, a hybrid, a merger of the two concurrent series running on Heads Talk®: the BRICS & Geopolitics Series and the Money 2020 Riyadh Conversations. Consider it killing two birds with one stone, bringing together insights from global geopolitics and the forefront of fintech innovation. I had the privilege of hosting this installment as my personal contribution to the Money 2020 Riyadh series, capturing perspectives from a pivotal moment on the global stage, with Brazil very much on the map today where we unpack the 'Pix Paradox'.A truly fascinating discussion. We looked at the quiet revolution of Pix, Brazil’s digital payments innovation, which is transforming the country’s spending culture while sending ripples across the globe. What began as small, everyday transactions has grown into a force reshaping money and commerce, connecting local merchants to international markets, and redefining financial inclusion across LATAM and beyond. From Pix Roaming to recurring payments, we trace how Brazil’s ingenuity is influencing global payment infrastructures, showing that digital finance is not just a tool for transactions, it's so much more than money. They are instruments, if you like, of connection, opportunity, and soft power. Though my guest would argue that it's less about politics and more about business. Listen for that bit of the conversation/argument! I was completely captivated by the story of Brazil’s digital payments revolution and taken aback but the insights delivered by today's guest. Ralf Germer, the CEO of PagBrasil, Brazil’s leading payments technology company, joins me in this fascinating series. With a career spanning international business development, product marketing, and entrepreneurship, Ralf has been at the forefront of reshaping Brazil’s payments landscape. Under his leadership, PagBrasil has pioneered innovations like PagStream, International Pix, and Pix Roaming. Tools that are connecting local merchants to global markets and advancing financial inclusion.Topics Covered:◽️ Brazil’s digital payments revolution and the rise of Pix◽️ PagBrasil’s role in connecting local merchants to global markets◽️ Cross-border innovation and the expansion of Pix Roaming◽️ Economic and social impact of Pix Automático on recurring payments◽️ BRICS Pay and Brazil’s influence in shaping new payment infrastructures◽️ Geopolitics of payments and financial diplomacy in emerging markets◽️ Balancing sovereignty and openness in national payment systems◽️ Future of digital payments, from embedded finance to programmable money◽️ Payments as soft power in the global digital economyEpisode Sponsored by◽️Accxia - 𝔼𝕦𝕣𝕠𝕡𝕖'𝕤 𝕃𝕒𝕣𝕘𝕖𝕤𝕥 ℙ𝕣𝕚𝕧𝕒𝕥𝕖 ℂ𝕝𝕠𝕦𝕕 𝕗𝕠𝕣 𝔸𝕥𝕝𝕒𝕤𝕤𝕚𝕒𝕟ABOUT THE HOSTSupport the showFollow, Support, Contact Heads Talk® - A Fly On The Boardroom Wall LinkedIn Website Twitter Email at [email protected]

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• 275 - Ronit Ghose, H, TL: Money 2020 Riyadh Series: CitiGroup - The Bridges We Build, The Capital We Connect

  Let us know your thoughts. Send us a Text Message. Follow me to see #HeadsTalk Podcast Audiograms every Monday on LinkedInEpisode Title:🇦🇪The Bridges We Build, The Capital We Connect🇦🇪 This is the second episode in the special Heads Talk® series, brought to you live from Money20/20 Riyadh. It’s another engaging conversation that feels more like two industry peers catching up over a cup of tea, part strategic dialogue, part fireside reflection. Where innovation meets insight Sanjiv Purushotham, CEO of Bridge Solutions and our  Heads Talk® Guest Host for this series, sits down with Ronit Ghose, Global Head of the Future of Finance at Citi, where he leads the bank’s think tank on the intersection of money, technology, and digital transformation.With over two decades at Citi, Ronit has been at the forefront of analysing fintech disruption, digital assets, AI-driven finance, and the evolving identity of global financial hubs.Together, they discuss the new bridges being built across the financial world, the connections being made and solidified between East and West, legacy and innovation, technology and trust.Topics Covered:◽️ Evolution of Fintech and the Global Flow of Capital◽️ Financial Bridges Between Emerging and Established Markets◽️ Riyadh’s Role in the Next Generation of Global Financial Hubs◽️ Digital Banking and the Architecture of Connectivity◽️ Lessons from The Godfather - Kenya’s Mobile Payments Revolution◽️ The Interplay Between Innovation, Regulation and Market Trust◽️ Building Financial Bridges Across the Global South◽️ Future Money: Insights from Ronit’s Book on Fintech, AI and Web3◽️ Economics of Great Cities and How They Shape Finance◽️ Meaningful Finance: Reimagining Value Beyond TransactionsSo download⏳grab a cup of Bird & Blend Tea Co. - Mocha Chai Tea ☕️& have a listen🛋Episode Sponsored by◽️Accxia - 𝔼𝕦𝕣𝕠𝕡𝕖'𝕤 𝕃𝕒𝕣𝕘𝕖𝕤𝕥 ℙ𝕣𝕚𝕧𝕒𝕥𝕖 ℂ𝕝𝕠𝕦𝕕 𝕗𝕠𝕣 𝔸𝕥𝕝𝕒𝕤𝕤𝕚𝕒𝕟Ronit's Book hereABOUT THE HOST#AFlyOnTheBoardroomWall #HeadsTalkPodcastSupport the showFollow, Support, Contact Heads Talk® - A Fly On The Boardroom Wall LinkedIn Website Twitter Email at [email protected]

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• 274 - Erik Solheim, Chief Negotiator, Diplomat, Minister, Political Figure: BRICS Series, Norway Government & Multiple Boards - Green Realpolitik in a Fatherless World

  Let us know your thoughts. Send us a Text Message. Follow me to see #HeadsTalk Podcast Audiograms every Monday on LinkedInEpisode Title: 🇳🇴Green Realpolitik in a Fatherless World🇳🇴We continue the BRICS & Geopolitics Series on Heads Talk® with a former Norwegian Government Minister, now a renowned political commentator, green advocate, veteran Chief Negotiator and Diplomat to explore the world’s shifting balance of power.My guest, Erik Solheim, is a statesman who has shaped landmark environmental laws, led peace talks across continents, and driven global reform from Oslo to Nairobi. He served as the sixth Executive Director of the UN Environment Programme and Under-Secretary-General of the United Nations, leaving a lasting imprint on international environmental policy. Today, as President of the Belt & Road Green Development Initiative, he sits at the nexus of diplomacy, sustainability, and geopolitics. Together, we discuss the evolving relationship between the US and BRICS nations, with focus on China and India , including what can only be termed as a “marriage of convenience” between the two, and where that partnership may lead. We also discussed how environmental diplomacy is becoming the new language of power, how everything is diplomacy, and what a “fatherless world” really means for the global order.Such a fascinating hour with my guest. Recorded just after that infamous Global South summit and the European leaders’ meeting with the US President. We’ve already agreed there’s much more to come, so look out for another conversation with Erik soon...Topics Covered:◽️ Green Diplomacy and the rise of sustainable Statecraft◽️ BRICS as a platform for moral authority and Multipolar Cooperation◽️ India and China as partners in a redefined world order◽️ Thoughts on Waning US Hegemony and the fall of the Western Golden Age◽️ Europe’s exposure as a mirror to global Realignment◽️ India’s ascent toward true independence and Diplomatic Balance◽️ Lessons from Peace-Building and Environmental Negotiation◽️ The new power dynamics of Climate Finance and Green Investment◽️ Tech Power, Diplomacy, and the unsettling influence of the “Tech Bro” eliteSo download⏳grab a cup of Bird & Blend Tea Co. - Peppy Mint Tea ☕️& have a listen🛋Episode Sponsored by◽️Accxia - 𝔼𝕦𝕣𝕠𝕡𝕖'𝕤 𝕃𝕒𝕣𝕘𝕖𝕤𝕥 ℙ𝕣𝕚𝕧𝕒𝕥𝕖 ℂ𝕝𝕠𝕦𝕕 𝕗𝕠𝕣 𝔸𝕥𝕝𝕒𝕤𝕤𝕚𝕒𝕟ABOUT THE HOST#AFlyOnTheBoardroomWall #HTBRICSSeriesSupport the showFollow, Support, Contact Heads Talk® - A Fly On The Boardroom Wall LinkedIn Website Twitter Email at [email protected]

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• 273 - Sitoyo Lopokoiyit, CEO: Money 2020 Riyadh Series: M-PESA - Money Has Moved In Africa

  Let us know your thoughts. Send us a Text Message. Follow me to see #HeadsTalk Podcast Audiograms every Monday on LinkedInEpisode Title:🇰🇪Money Has Moved In Africa🇰🇪We’re kicking off this special Heads Talk series with a long-awaited conversation between two remarkable leaders. Sitoyo Lopokoiyit, CEO transforming payments in Kenya and across Africa, and Sanjiv Purushotham, CEO of Bridge Solutions and our 'Heads Talk Guest' Host for this series.What makes this episode truly special is the friendship between Sitoyo and Sanjiv. Their easy rapport and mutual respect bring depth, warmth, and authenticity to the discussion; the kind of chemistry you only get when great friends talk about something they both love: fintech innovation.This episode marks the first in a series of conversations hosted by Sanjiv from Money20/20 Riyadh, featuring insightful exchanges with some of the industry’s leading voices.Sitoyo Lopokoiyit is the CEO of M-PESA Africa and Chief Financial Services Officer at Safaricom PLC. A recognised leader in fintech and digital transformation, he oversees M-PESA’s expansion across multiple African markets, driving innovation, strategic partnerships, and financial inclusion for over 60 million customers.Prior to this role, Sitoyo led M-PESA’s growth at Vodacom Tanzania, transforming it into one of the continent’s most successful mobile money businesses. He has also held senior leadership roles at Safaricom, Chevron, Total Kenya, and Uchumi Supermarkets. Under his leadership, M-PESA has introduced groundbreaking services such as Fuliza and M-Shwari, cementing its position as Africa’s leading digital payments platform and a global benchmark for mobile financial innovation.On a personal note, I have been trying forever to get Sitoyo on Heads Talk, so I'm extra happy to have this episode brought to you by Sanjiv!Topics Covered:◽️ Africa is The Future of Payments◽️ M-PESA: From Beginnings to Market Leadership◽️ Sitoyo’s Leadership Ethos and Operational Vision◽️ Stablecoins, Crypto, and the Financial Habits of Gen Z◽️ GCC Viewpoint◽️ Cross-Border Interoperability and Regional Payment Rails◽️ Watch This SpaceSo download⏳grab a cup of Bird & Blend Tea Co. - Mocha Chai Tea ☕️& have a listen🛋Episode Sponsored by◽️Accxia - 𝔼𝕦𝕣𝕠𝕡𝕖'𝕤 𝕃𝕒𝕣𝕘𝕖𝕤𝕥 ℙ𝕣𝕚𝕧𝕒𝕥𝕖 ℂ𝕝𝕠𝕦𝕕 𝕗𝕠𝕣 𝔸𝕥𝕝𝕒𝕤𝕤𝕚𝕒𝕟ABOUT THE HOST#AFlyOnTheBoardroomWall #HeadsTalkPodcastSupport the showFollow, Support, Contact Heads Talk® - A Fly On The Boardroom Wall LinkedIn Website Twitter Email at [email protected]

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• 272 - Sangeet Paul Choudary, Author, Scholar: UC Berkeley - Reshuffle: Navigating Shifting Goalposts in a Restacked World - Part 2

  Let us know your thoughts. Send us a Text Message. Follow me to see #HeadsTalk Podcast Audiograms every Monday on LinkedInEpisode Title: 🇺🇸Reshuffle: Navigating Shifting Goalposts in a Restacked World🇺🇸This is the continuation of my conversation with Sangeet Paul Choudary, author of Reshuffle: Who Wins When AI Restacks the Knowledge Economy, on Heads Talk®. If you missed Part 1, you’ll find the link below.In Part 2, we address some of the philosophical dimensions of this change and look at how societies, people, and ways of thinking may evolve. Not all of it points toward the betterment of humankind. Yet, is this change irreversible? We discuss.Links to Sangeet’s book are below. This is a Reshuffle week on Heads Talk®. And if you’d like even more reflection, listen to Paolo’s The Bankers' Bookshelf podcast by Provoke.fm Media, where Sangeet expands on AI’s societal impact and use cases.Topics Covered:◽️ Irreversible Cognitive Shifts: How AI may Reshape Human Learning and Collective Intelligence◽️ Systemic Risks in an Economy held together by AI Coordination◽️ Human Work Reframed: from Execution to curation, motivation, and inspiration◽️ Mapping Scarcity, Risk, and Coordination: A Leader’s Framework for AI-driven Value Creation◽️ Human Purpose and Identity in a Reshuffled WorldSo download⏳grab a cup of Bird & Blend Tea Co. - Peppy Mint Tea ☕️& have a listen🛋Episode Sponsored by◽️Accxia - 𝔼𝕦𝕣𝕠𝕡𝕖'𝕤 𝕃𝕒𝕣𝕘𝕖𝕤𝕥 ℙ𝕣𝕚𝕧𝕒𝕥𝕖 ℂ𝕝𝕠𝕦𝕕 𝕗𝕠𝕣 𝔸𝕥𝕝𝕒𝕤𝕤𝕚𝕒𝕟ABOUT THE HOST#AFlyOnTheBoardroomWall #HeadsTalkPodcastSupport the showFollow, Support, Contact Heads Talk® - A Fly On The Boardroom Wall LinkedIn Website Twitter Email at [email protected]

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