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    <loc>https://thefr.com/opinion/2019/6/3/guest-opinion-understanding-it-risk-in-the-financial-industry</loc>
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    <lastmod>2019-08-22</lastmod>
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    <loc>https://thefr.com/opinion/2019/5/1/6-fintechs-to-watch-at-finovate-spring</loc>
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    <priority>0.5</priority>
    <lastmod>2019-05-06</lastmod>
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    <loc>https://thefr.com/opinion/2019/4/22/5-companies-to-watch-at-this-years-fintech-innovation-lab-new-york</loc>
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    <lastmod>2019-05-01</lastmod>
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    <loc>https://thefr.com/opinion/2019/3/19/the-irish-invasion-of-fintech</loc>
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    <priority>0.5</priority>
    <lastmod>2019-03-22</lastmod>
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  <url>
    <loc>https://thefr.com/opinion/a-fintech-review-of-sxsw</loc>
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    <priority>0.5</priority>
    <lastmod>2019-03-15</lastmod>
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      <image:title>Opinion - A fintech review of SXSW</image:title>
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    <loc>https://thefr.com/opinion/top-cryptos-to-keep-an-eye-on-that-arent-bitcoin</loc>
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    <priority>0.5</priority>
    <lastmod>2019-03-07</lastmod>
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      <image:title>Opinion - Top cryptos to keep an eye on (that aren’t bitcoin)</image:title>
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  </url>
  <url>
    <loc>https://thefr.com/opinion/five-fintech-conferences-in-q2-for-hobnobbing-with-vcs</loc>
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    <priority>0.5</priority>
    <lastmod>2019-03-04</lastmod>
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      <image:title>Opinion - Five fintech conferences in Q2 for hobnobbing with VCs</image:title>
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  </url>
  <url>
    <loc>https://thefr.com/opinion/jurassic-park-in-housing</loc>
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    <priority>0.5</priority>
    <lastmod>2019-02-04</lastmod>
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      <image:title>Opinion - Guest Opinion: Jurassic Park in Housing</image:title>
      <image:caption>MARVIN CHANG LEADS NEW PRODUCT COMMERCIALIZATION EFFORTS AT CALIBER HOME LOANS</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1549305926868-M0L9DJ3B41WZWM79M9C8/1.png</image:loc>
      <image:title>Opinion - Guest Opinion: Jurassic Park in Housing</image:title>
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    <image:image>
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      <image:title>Opinion - Guest Opinion: Jurassic Park in Housing</image:title>
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  </url>
  <url>
    <loc>https://thefr.com/opinion/blessed-are-the-meek-for-they-will-inherit-residential-housing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-10-19</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1521838828391-750VAUJ4M6PJC8C8Q1AM/Marvin+Headshot.jpg</image:loc>
      <image:title>Opinion - Guest Opinion: Blessed Are the Meek, for They Will Inherit Residential Housing</image:title>
      <image:caption>MARVIN CHANG LEADS NEW PRODUCT COMMERCIALIZATION EFFORTS AT CALIBER HOME LOANS</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1539975027687-UYXW5MFV6VXNZMP2P8BQ/Screen+Shot+2018-10-19+at+2.50.09+PM.png</image:loc>
      <image:title>Opinion - Guest Opinion: Blessed Are the Meek, for They Will Inherit Residential Housing</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/opinion/financial-reporting-standards-can-foster-municipal-market-disruption</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-10-05</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1538757990382-KVZE2Z7SLSTIJYKNT4GI/Joffe_Headshot_2.jpg</image:loc>
      <image:title>Opinion - Guest Opinion: Financial Reporting Standards Can Foster Municipal Market Disruption</image:title>
      <image:caption>MARC JOFFE IS A SENIOR POLICY ANALYST AT REASON FOUNDATION</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/opinion/retirement-20-l7763</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-10-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1536961739560-PNNUCMBPHEPR83S4MZPV/0.jpeg</image:loc>
      <image:title>Opinion - Guest Opinion: Lending a Hand: Venture Capital Can Bring Growing Pains for Entrepreneurs</image:title>
      <image:caption>STEFAN KATANIC IS THE EXECUTIVE CO-FOUNDER OF Coinbio</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/opinion/retirement-20</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-09-14</lastmod>
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      <image:title>Opinion - Guest Opinion: Retirement 2.0?</image:title>
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  </url>
  <url>
    <loc>https://thefr.com/opinion/a-global-macro-view-on-amazon-hq2</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-07-20</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1530210901634-JT3D8PCO5RE30S9AH4TI/morton-portrait.png</image:loc>
      <image:title>Opinion - Guest Opinion: A Global Macro View on Amazon HQ2</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/opinion/financial-services-should-fully-embrace-deep-learning</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-06-28</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1530039732826-4LTNDF562R688RJ0WUFM/speaking.png</image:loc>
      <image:title>Opinion - Guest Opinion: Financial Services Should Fully Embrace Deep Learning</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/opinion/facebook-and-asset-management-where-is-the-love</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-06-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1530039106849-FJE1CI5TD1Y8165BZWIJ/image1.jpg</image:loc>
      <image:title>Opinion - Guest Opinion: Facebook and Asset Management: Where is the Love?</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1530039253804-ZKOO7ZW8PXEVA8CZGAYH/image.png</image:loc>
      <image:title>Opinion - Guest Opinion: Facebook and Asset Management: Where is the Love?</image:title>
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  </url>
  <url>
    <loc>https://thefr.com/opinion/mortgage-companies-beware-of-fintechs-bearing-gifts</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-06-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1527626743602-KDHZNOFSKIKEW89R79BO/image1.jpeg</image:loc>
      <image:title>Opinion - Guest Opinion: Mortgage Companies: Beware of Fintechs Bearing Gifts</image:title>
      <image:caption>MARVIN CHANG LEADS NEW PRODUCT COMMERCIALIZATION EFFORTS AT CALIBER HOME LOANS</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/opinion/a-case-for-belief-aligned-investment-advice</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-05-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1522426836458-V0WDHS6NV6UOC1EYG1QB/Sandhya+Krishnamurthy.jpeg</image:loc>
      <image:title>Opinion - Guest Opinion: A Case for Belief-Aligned Investment Advice</image:title>
      <image:caption>SANDHYA KRISHNAMURTHY IS THE FOUNDER OF S2E CONSULTING</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/opinion/millennial-mismatching-in-housing-finance</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-03-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1521838828391-750VAUJ4M6PJC8C8Q1AM/Marvin+Headshot.jpg</image:loc>
      <image:title>Opinion - Guest Opinion: Millennial Mismatching in Housing Finance</image:title>
      <image:caption>MARVIN CHANG LEADS NEW PRODUCT COMMERCIALIZATION EFFORTS AT CALIBER HOME LOANS</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/opinion/what-fintech-entrepreneurs-can-learn-from-a-nations-complaints</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-03-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1520012904666-GALD19TBI2YXNVKKBX5Z/Arjan+Headshot_Square.jpg</image:loc>
      <image:title>Opinion - Guest Opinion: What Fintech Entrepreneurs Can Learn from a Nation’s Complaints</image:title>
      <image:caption>Arjan Schütte is the founder and a managing partner of Core Innovation Capital</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1520013230524-2B7QQOHFIOOIBLJYCLCL/image-asset.png</image:loc>
      <image:title>Opinion - Guest Opinion: What Fintech Entrepreneurs Can Learn from a Nation’s Complaints</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1520013288008-387NU83KLSJTX4L7J9MG/Screen+Shot+2018-03-02+at+12.54.25+PM.png</image:loc>
      <image:title>Opinion - Guest Opinion: What Fintech Entrepreneurs Can Learn from a Nation’s Complaints</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1520013352973-5YI8OZI5XCW48TV6JA0U/Screen+Shot+2018-03-02+at+12.55.27+PM.png</image:loc>
      <image:title>Opinion - Guest Opinion: What Fintech Entrepreneurs Can Learn from a Nation’s Complaints</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1520013409215-S7E6BLCKZ9DIWU2I3W4F/Screen+Shot+2018-03-02+at+12.56.10+PM.png</image:loc>
      <image:title>Opinion - Guest Opinion: What Fintech Entrepreneurs Can Learn from a Nation’s Complaints</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1520013459164-GMYVTTZVI0SB5IAI88RE/Screen+Shot+2018-03-02+at+12.56.59+PM.png</image:loc>
      <image:title>Opinion - Guest Opinion: What Fintech Entrepreneurs Can Learn from a Nation’s Complaints</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/opinion/can-we-put-a-price-on-higher-education</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-03-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1520014012962-MBV1UKIJGE0VXJWMIN8W/1517000707639.jpeg</image:loc>
      <image:title>Opinion - Guest Opinion: Can We Put a Price on Higher Education?</image:title>
      <image:caption>DR. JIMMIE LENZ, PRINCIPAL WITH THE FINANCIAL RISK GROUP</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/opinion/in-code-we-trust</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-03-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1516399661631-ZEQR739ZERWRK8HBM2LF/IMG_8324.JPG</image:loc>
      <image:title>Opinion - Guest Opinion: In Code We Trust?</image:title>
      <image:caption>ANURAG WAKHLU - GLOBAL BUSINESS DIRECTOR FOR DASSAULT SYSTEMS</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/opinion/nine-things-in-the-offing-for-2028</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2019-02-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1514407826318-YMOHMI2QLP3G3A2SYZ0P/image-asset.jpeg</image:loc>
      <image:title>Opinion - Nine Things in the Offing for 2028</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/opinion/keeping-up-with-quantopians-john-fawcett</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-03-23</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1513348703287-O6TS5CUTDTH2GUUQATFG/bbc.q-logo-JPG-red-1.jpg</image:loc>
      <image:title>Opinion - Keeping up with Quantopian’s John Fawcett</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/opinion/2017/11/9/guest-opinion-the-digital-evolution-of-stock-trading</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-11-11</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1510240534353-DIKP3RIMT4JCDNU641ZX/Profile_Main_High_Res.jpg</image:loc>
      <image:title>Opinion - Guest Opinion: The Digital Evolution of Stock Trading</image:title>
      <image:caption>Tom Goldenberg CTO of Commandiv</image:caption>
    </image:image>
    <image:image>
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      <image:title>Opinion - Guest Opinion: The Digital Evolution of Stock Trading</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/opinion/2017/11/3/guest-opinion-innovation-davids-vs-scale-seeking-goliaths-in-payments</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-11-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1509716197093-02ILSV0QHDB9YC1ROLRZ/unnamed.jpg</image:loc>
      <image:title>Opinion - Guest Opinion: Innovation Davids vs. Scale Seeking Goliaths in Payments</image:title>
      <image:caption>Michele Tivey, CEO of Fintech Payments Corp</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/opinion/2017/10/27/guest-opinion-our-dangerous-innovation-blind-spots</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-10-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1509139325681-V72B7OY9AXXZOV077BFE/Profile4.jpg</image:loc>
      <image:title>Opinion - Guest Opinion: Our Dangerous Innovation Blind Spots</image:title>
      <image:caption>Theodora (Theo) Lau</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/opinion/2017/10/20/data-is-holding-back-ai</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-10-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1508521399313-4TTRASRZYU28DRPGIJ3J/image-asset.jpeg</image:loc>
      <image:title>Opinion - Guest Opinion: Data is Holding Back AI</image:title>
      <image:caption>Sultan Meghji Founder &amp; Managing Director at Virtova</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/opinion/2017/10/12/sales-practices-under-the-microscope</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2018-01-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1507827677495-BMLL9LQ617DPR3GHRUMF/image-asset.jpeg</image:loc>
      <image:title>Opinion - Guest Opinion: Sales Practices Under the Microscope</image:title>
      <image:caption>Dr. Jimmie Lenz, Principal with The Financial Risk Group</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/opinion/2017/10/4/the-reemergence-of-de-novo-bank-charters</loc>
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    <priority>0.5</priority>
    <lastmod>2017-10-12</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1507141196402-TUMSS8K3KZQY4B827VK3/image001.jpg</image:loc>
      <image:title>Opinion - Guest Opinion: The Reemergence of De Novo Bank Charters</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/opinion/2017/9/26/guest-opinion-recent-hacks-could-accelerate-risk-management-innovation</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-09-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1506448318459-48O83BHDL8KLLKIYYKZW/Will+Dove.jpg</image:loc>
      <image:title>Opinion - Guest Opinion: Recent Hacks Could Accelerate Risk Management Innovation</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/opinion/2017/9/7/guest-opinion-the-ai-driven-bank-in-emerging-markets</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-09-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1504838932658-OIUEGG4C4LPV6YXLQCIR/Untitled+design.png</image:loc>
      <image:title>Opinion - Guest Opinions: The AI-Driven Bank in Emerging Markets</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/opinion/know-your-customer-are-you-sure</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-08-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1500660691373-3NNA60HWEPOB1F0MM419/Dr.+Jimmie+Lenz</image:loc>
      <image:title>Opinion - Guest Opinion: Know Your Customer? Are You Sure?</image:title>
      <image:caption>Dr. Jimmie Lenz</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/opinion/why-robo-analysts-not-robo-advisors-will-transform-investing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-08-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1499464721552-IXJGWVMNFWMLMCUW8C88/David+Trainer%2C+New+Constructs</image:loc>
      <image:title>Opinion - Guest Opinion: Why Robo-Analysts, Not Robo-Advisors, Will Transform Investing</image:title>
      <image:caption>David Trainer, New Constructs</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/opinion/the-coming-resurgence-of-active-management</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-08-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1491578478413-OMLES0EJPV680MBAX9A5/image-asset.jpeg</image:loc>
      <image:title>Opinion - Guest Opinion: The Coming Resurgence of Active Management</image:title>
    </image:image>
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  <url>
    <loc>https://thefr.com/opinion/burning-down-markowitzs-house</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-08-10</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1490365900818-DCXB4MHKFUSEAA9A9NRK/image-asset.jpeg</image:loc>
      <image:title>Opinion - Guest Opinion: Burning Down Markowitz’s House</image:title>
      <image:caption>Dr. Jimmie Lenz</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/opinion/a-sharper-focus-on-wealth-managements-future</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1485531433579-LK2UIAAHYRMWK1DVQRJ6/image-asset.jpeg</image:loc>
      <image:title>Opinion - Guest Opinion: A Sharper Focus on Wealth Management’s Future</image:title>
      <image:caption>Graig Norden, President of Freewheel Marketing</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/opinion/predictive-analytics-in-financial-services</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-02-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1484950911970-DD51ZW2CEOYZFG6FCNJT/image-asset.jpeg</image:loc>
      <image:title>Opinion - Guest Opinion: Predictive Analytics in Financial Services</image:title>
      <image:caption>Vuk Magdelinic, CEO of Overbond</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/opinion/2016/12/30/nine-things-that-could-happen-next-year</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-02-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1483137357663-JLRJ9LNPUFCNRKWLXF68/image-asset.jpeg</image:loc>
      <image:title>Opinion - Nine Things That Could Happen Next Year</image:title>
    </image:image>
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  <url>
    <loc>https://thefr.com/opinion/2016/10/13/guest-opinion-ravi-sawhney</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-02-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1476383733133-YIE215E9EYBB9SW1IJGV/image-asset.jpeg</image:loc>
      <image:title>Opinion - Guest Opinion: Time to go Deep on Deep Learning</image:title>
      <image:caption>Ravi Sawhney, Global Head of Credit FI Electronic Trading</image:caption>
    </image:image>
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  <url>
    <loc>https://thefr.com/opinion/2016/9/23/you-cant-have-two-number-one-priorities</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1474669179210-9GBPREKNDLGBY1T4MW5Y/image-asset.jpeg</image:loc>
      <image:title>Opinion - You Can’t Have Two First Priorities</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/opinion/2016/7/15/guest-opinion-marvin-chang</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1468590378533-V2G5WEOG2XXZY2DRAVR9/image-asset.jpeg</image:loc>
      <image:title>Opinion - Guest Opinion: Marvin Chang</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/opinion/2016/3/24/fintech-lessons-from-a-troubled-bridge-over-new-yorks-waters</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2017-01-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1458826100819-A90JWW2V2U2ULUQEC4DE/image-asset.jpeg</image:loc>
      <image:title>Opinion - Fintech Lessons From a Troubled Bridge Over New York’s Waters</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/opinion/2015/12/29/nine-things-that-wont-happen-in-fintech-next-year</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-01-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1451426452464-339T7WPP9QO2ZCOFK2PZ/image-asset.jpeg</image:loc>
      <image:title>Opinion - Nine Things That Won’t Happen in Fintech Next Year</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/opinion/2015/11/9/a-new-allentown-on-wall-street</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-01-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1447106766619-S5PJEO5NSQJASOT19OKW/image-asset.jpeg</image:loc>
      <image:title>Opinion - A New Allentown on Wall Street</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/opinion/2015/11/9/its-cool-to-be-a-fintech-pirate-slaying-wall-street-for-now</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-01-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1447106499360-650G6U1SLAQZQJ8282LP/image-asset.png</image:loc>
      <image:title>Opinion - It’s Cool to be a Fintech Pirate Slaying Wall Street (For Now)</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/opinion/2015/11/9/incumbents-shouldnt-bet-on-rulemaking-to-win-the-sharing-economy-wars</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2016-01-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1447106284047-GDWEIR8YCS98UGVZ2VA6/image-asset.jpeg</image:loc>
      <image:title>Opinion - Incumbents Shouldn’t Bet on Rulemaking to Win the Sharing Economy Wars</image:title>
    </image:image>
  </url>
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    <loc>https://thefr.com/opinion/category/Fintech</loc>
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    <loc>https://thefr.com/opinion/category/Wall+Street</loc>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Fintech News - Clearing House CPO says RTP growth in early stages - Make it stand out</image:title>
      <image:caption>Source: The Clearing House</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Fintech News - Can fintech startups navigate the pivot from B2C to B2B? - Make it stand out</image:title>
      <image:caption>Source: CBInsights</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <lastmod>2024-03-11</lastmod>
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      <image:title>Fintech News - Fintech is operating at scale, with huge growth potential - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/0395aeca-2bd1-4a2f-a361-f9c4b8e9e72c/unnamed-45.png</image:loc>
      <image:title>Fintech News - Fintech is operating at scale, with huge growth potential - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/73c20a27-072f-4e88-b906-95cfadd56923/unnamed-46.png</image:loc>
      <image:title>Fintech News - Fintech is operating at scale, with huge growth potential - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://thefr.com/news/predictions-for-wall-street-technology-in-2050</loc>
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    <lastmod>2024-03-07</lastmod>
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      <image:title>Fintech News - Predictions for Wall Street technology in 2050 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/news/the-future-of-sxsw-pitch</loc>
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    <priority>0.5</priority>
    <lastmod>2024-03-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/fad8a5b6-4576-4a15-a498-20632eda5c3f/unnamed-44.png</image:loc>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://thefr.com/news/what-does-microsofts-ai-work-mean-for-fintechs</loc>
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    <lastmod>2024-03-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/81dd4f5e-c704-4491-babf-59a6ce1c2c8c/unnamed-42.png</image:loc>
      <image:title>Fintech News - What does MIcrosoft’s AI work mean for fintechs? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/news/who-are-fintechs-walking-dead</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-03-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1041683f-fb97-49de-9ec4-6ec2d1f241f1/unnamed-41.png</image:loc>
      <image:title>Fintech News - Who are fintech’s “walking dead”? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/news/can-cross-border-payments-have-junk-fees</loc>
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    <priority>0.5</priority>
    <lastmod>2024-06-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/64ed3d91-dd44-4539-92cb-cceac66c7c4a/unnamed-40.png</image:loc>
      <image:title>Fintech News - Can cross-border payments have junk fees? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/news/insights-from-the-2023-fintech-index</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-02-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/e26e04d3-bdb8-432d-b10a-275e61301320/unnamed-39.png</image:loc>
      <image:title>Fintech News - Insights from the 2023 Fintech Index - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/2234f5c3-1f5b-414d-9e88-b131b9e242cd/986cd641-b777-41d6-9c72-9f226f14d274_959x537.png</image:loc>
      <image:title>Fintech News - Insights from the 2023 Fintech Index - Make it stand out</image:title>
      <image:caption>After peaking at $1.3T in late 2021, the F-Prime Index Fell and then rebounded (F-PRIME)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/48af7aca-2359-4e71-bd81-186ed73d7aad/b3dc2323-371b-4e44-97c9-b56fb5853871_958x524.png</image:loc>
      <image:title>Fintech News - Insights from the 2023 Fintech Index - Make it stand out</image:title>
      <image:caption>Public investors assigned high multiples to fintech companies, but they are back to historical averages (F-PRIME)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/d3f40247-f683-4544-a5f3-de313d9d4e60/a099374e-7b5f-422a-9d6f-fd6f0edcb693_958x397.png</image:loc>
      <image:title>Fintech News - Insights from the 2023 Fintech Index - Make it stand out</image:title>
      <image:caption>Financial services areas that were won or lost by fintechs (F-PRIME)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/0a5157a1-0141-4e91-a3af-800901a08e00/a4dc815d-d92e-47e4-9fcf-463ea19a432c_959x430.png</image:loc>
      <image:title>Fintech News - Insights from the 2023 Fintech Index - Make it stand out</image:title>
      <image:caption>There are opportunities to apply AI in fintech across multiple dimensions, with varying potential (F-PRIME)</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/news/do-hedge-funds-have-data-budgets</loc>
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    <lastmod>2024-03-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/d0e47843-decd-42c5-8832-02af93c36006/unnamed-37.png</image:loc>
      <image:title>Fintech News - Do hedge funds have data budgets? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://thefr.com/news/the-power-of-culture</loc>
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    <lastmod>2024-02-26</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/f01586e1-08cf-48da-b3e3-b1fd60002d75/unnamed-35.png</image:loc>
      <image:title>Fintech News - The power of culture - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/news/incubating-community-bank-fintech-ecosystems</loc>
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    <priority>0.5</priority>
    <lastmod>2024-02-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/81754f8b-d05f-47c8-a5c3-55d73f381cd9/unnamed-34.png</image:loc>
      <image:title>Fintech News - Incubating community bank-fintech ecosystems - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/news/overhauling-operations-for-t1</loc>
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    <lastmod>2024-02-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/cfb38268-c187-4e86-85fe-be2f02349c86/unnamed-33.png</image:loc>
      <image:title>Fintech News - Overhauling operations for T+1 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/news/making-sense-of-capital-ones-discover-acquisition</loc>
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    <priority>0.5</priority>
    <lastmod>2024-02-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/926c2609-1df0-40c2-a02f-9621b7f63e3b/unnamed-32.png</image:loc>
      <image:title>Fintech News - Making sense of Capital One's Discover acquisition - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
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    <loc>https://thefr.com/news/whats-next-for-robinhood-2024</loc>
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    <lastmod>2024-02-20</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/d5b64950-0229-43d8-aa1b-71452fb66f0e/unnamed-30.png</image:loc>
      <image:title>Fintech News - What's next for Robinhood? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://thefr.com/news/should-dating-apps-mingle-with-credit-scores</loc>
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    <lastmod>2024-02-15</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/e75c6672-23d8-49b2-a2d5-5c667f94b3fd/unnamed-29.png</image:loc>
      <image:title>Fintech News - Should dating apps mingle with credit scores? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
    <loc>https://thefr.com/news/nbfi-risks-and-regulations</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-02-13</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/67c8ba7f-faf3-413c-a190-fef51082fe03/unnamed-28.png</image:loc>
      <image:title>Fintech News - NBFI risks and regulations - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/news/does-crypto-crime-prevention-need-ai</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-02-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/57b83f6a-88b8-4c1c-9751-2f5063def584/unnamed-25.png</image:loc>
      <image:title>Fintech News - Does crypto crime prevention need AI? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/news/inside-cantaloupes-acquisition-of-cheq</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-02-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/fb7280d0-5e2f-4394-953c-168c4700fa44/unnamed-24.png</image:loc>
      <image:title>Fintech News - Inside Cantaloupe’s acquisition of CHEQ - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/news/apple-vision-pro-and-the-metaverse-economy</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-02-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/a6a6ae33-2523-46d2-ac06-665ec51fdb3d/unnamed-23.png</image:loc>
      <image:title>Fintech News - Apple Vision Pro and the metaverse economy - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/da084475-d265-4e88-83a6-c12f8e9f481c/Consumer_VR_Headset_and_Content_Revenue_Forecast_December_2023___PR_Chart__002-1.jpg</image:loc>
      <image:title>Fintech News - Apple Vision Pro and the metaverse economy - Make it stand out</image:title>
      <image:caption>Source: OMDIA</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/news/web-scraping-and-the-future-of-ai</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-02-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/27647490-c0c2-4f72-bb41-13f2cd79ed3d/unnamed-22.png</image:loc>
      <image:title>Fintech News - Web scraping and the future of AI - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/news/the-myths-of-impact-in-investing</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-02-28</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/bb333a1c-adcc-4eab-9499-f77f646a3c75/unnamed-21.png</image:loc>
      <image:title>Fintech News - The myths of impact in investing - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/news/the-ethos-and-mechanics-of-engagement-banking</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-01-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/c92114a8-cda9-431c-bbde-35f88050a11b/unnamed-20.png</image:loc>
      <image:title>Fintech News - The ethos and mechanics of engagement banking - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/news/in-conversation-with-marcel-van-oost-unveiling-the-future-of-fintech-through-daily-insights</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-01-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/c2aa7756-b991-4e79-91b1-24a0179d84a1/unnamed-19.png</image:loc>
      <image:title>Fintech News - In conversation with Marcel van Oost - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/news/apple-consumer-payments-and-investor-uncertainty-in-2024</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-01-24</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/43a6a8ea-3a2d-4e5e-85dc-341778a1f28a/unnamed-17.png</image:loc>
      <image:title>Fintech News - Apple, consumer payments, and investor uncertainty in 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/5dbdfaa7-3f2b-4695-9be1-0be23b896d66/InsiderIntelligence-us-apple-pay-users-penetration-2022-2026-millions-of-population-281079.jpeg</image:loc>
      <image:title>Fintech News - Apple, consumer payments, and investor uncertainty in 2024 - Make it stand out</image:title>
      <image:caption>source: Insider Intelligence</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/news/retail-at-a-crossroads</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-01-24</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/8d91992a-c232-45f2-8a5f-3ede1d3d46d3/unnamed-16.png</image:loc>
      <image:title>Fintech News - Retail at a crossroads - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/dd9d59e5-f9f8-4f2f-82e1-c9a9c0265769/Screenshot+2024-01-23+at+1.18.23%E2%80%AFPM.png</image:loc>
      <image:title>Fintech News - Retail at a crossroads - Make it stand out</image:title>
      <image:caption>source: Bloomberg</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/news/the-strategy-roadmap-for-a-108-year-old-fintech</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-01-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/db8986ce-350b-4c58-8bd9-44afaef77465/unnamed-15.png</image:loc>
      <image:title>Fintech News - The strategy roadmap for a 108-year-old fintech - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/news/embedded-payments-in-sms-with-solutions-by-text</loc>
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    <lastmod>2024-01-23</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/30cce5e9-6c06-4081-8e70-cf5688a2ce51/unnamed-14.png</image:loc>
      <image:title>Fintech News - Embedded payments in SMS with Solutions by Text - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/bdc11f9e-876a-429b-8c46-f6852fac6a4f/Animated+Payment+Mobile+Build.gif</image:loc>
      <image:title>Fintech News - Embedded payments in SMS with Solutions by Text - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/news/marqeta-bullish-on-bnpl</loc>
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    <lastmod>2024-06-21</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/cef37276-65d2-4021-9cf8-4d0390d39dda/unnamed-12.png</image:loc>
      <image:title>Fintech News - Marqeta: Bullish on BNPL - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://thefr.com/news/generative-ai-and-the-future-of-cybersecurity</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-01-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/ff22f01a-3fdd-427a-938b-49a3ef19e455/unnamed-10.png</image:loc>
      <image:title>Fintech News - Generative AI and the future of cybersecurity - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  <url>
    <loc>https://thefr.com/news/the-secs-bitcoin-saga</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2024-01-17</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/f7482a56-dcdb-4451-86b3-800c635cfd38/unnamed-8.png</image:loc>
      <image:title>Fintech News - The SEC's bitcoin saga - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/de515aa6-0a9b-4dd8-b03b-a3291374b265/Screenshot+2024-01-11+at+10.33.13%E2%80%AFAM.png</image:loc>
      <image:title>Fintech News - The SEC's bitcoin saga - Make it stand out</image:title>
      <image:caption>Source: Crypto.com</image:caption>
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  <url>
    <loc>https://thefr.com/news/predictions-and-discussions-for-2024</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-01-30</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/cb3f0bb3-ce16-4bf7-8b1f-fc57586c9d04/unnamed-7.png</image:loc>
      <image:title>Fintech News - Predictions and discussions for 2024 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/b0115da9-869f-4779-a971-fbb2c5220cf1/unnamed.jpg</image:loc>
      <image:title>Fintech News - Predictions and discussions for 2024 - Make it stand out</image:title>
      <image:caption>Source: Global Ventures Report</image:caption>
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    <loc>https://thefr.com/news/unlocking-the-future-of-banking-with-stellar-elements</loc>
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    <lastmod>2024-01-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/2ea5062e-d699-40e3-b7d1-201b7ac89f49/unnamed-6.png</image:loc>
      <image:title>Fintech News - Unlocking the future of banking with Stellar Elements - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/349c546b-eec8-4fc7-b5b4-103a41963001/unnamed-5.png</image:loc>
      <image:title>Fintech News - Bartering meets tech platforms - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/c21f6d1c-20a6-40a0-b54d-64c0f66c8398/Screenshot+2024-01-08+at+1.12.22%E2%80%AFPM.png</image:loc>
      <image:title>Fintech News - Bartering meets tech platforms - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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    <loc>https://thefr.com/news/data-and-digital-transformation-with-altimetrik</loc>
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    <lastmod>2024-01-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/9bffffb4-6349-4a09-bb32-e7604e99a30d/unnamed-4.png</image:loc>
      <image:title>Fintech News - Data and digital transformation with Altimetrik - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/news/ai-is-about-to-get-expensive</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2024-01-31</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/7cec43d3-0244-41db-8a41-5fdaa015c65a/unnamed-1.png</image:loc>
      <image:title>Fintech News - AI is about to get expensive - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/news/innovation-and-insurtech-investing-with-anthemis</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-12-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/2ada38b4-8c85-4e1f-b0c4-e66f40429465/new+FR+2.0+profile+template+-+2023-12-18T141005.870.png</image:loc>
      <image:title>Fintech News - Innovation and insurtech investing with Anthemis - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
  <url>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/780d1890-823a-4c78-a9f4-5c0f015737ae/new+FR+2.0+profile+template+%281%29.png</image:loc>
      <image:title>Fintech News - The two sides of startup M&amp;amp;A - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
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    <loc>https://thefr.com/news/the-future-of-payouts-with-onbe</loc>
    <changefreq>monthly</changefreq>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/390aa2a8-39b0-4f1d-a6dc-f541eb2e60ce/new+FR+2.0+profile+template+-+2023-12-18T140321.803.png</image:loc>
      <image:title>Fintech News - The future of payouts with Onbe - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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    <changefreq>monthly</changefreq>
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    <lastmod>2024-01-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/8423defc-44b6-4d28-adf5-c11e224efee2/new+FR+2.0+profile+template+-+2023-12-18T135828.583.png</image:loc>
      <image:title>Fintech News - The scavenging growth strategy - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://thefr.com/news/the-evolving-fintech-vc-landscape-with-portage</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-12-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/f25b45ea-6b58-475b-86e0-23d35da80255/new+FR+2.0+profile+template+-+2023-12-14T132546.693.png</image:loc>
      <image:title>Fintech News - The evolving fintech VC landscape with Portage - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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    <changefreq>monthly</changefreq>
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    <lastmod>2023-12-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/1f18c4b5-77a0-4ebe-9d1f-a316062be5bb/Screenshot+2023-12-13+at+10.50.48%E2%80%AFAM.png</image:loc>
      <image:title>Fintech News - Automated vehicles and the future of insurance - Make it stand out</image:title>
      <image:caption>source: MARKETWATCH</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/0ba0937c-d094-40c0-86ae-a88f12d8b4cf/Screenshot+2023-12-13+at+10.31.37%E2%80%AFAM.png</image:loc>
      <image:title>Fintech News - Automated vehicles and the future of insurance - Make it stand out</image:title>
      <image:caption>SOURCE: MCKINSEY</image:caption>
    </image:image>
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    <changefreq>monthly</changefreq>
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    <lastmod>2023-12-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/d5908f64-56ab-4199-a4a1-66e1dc35f3e4/new+FR+2.0+profile+template+-+2023-12-12T124701.581.png</image:loc>
      <image:title>Fintech News - The evolution of the digital identity market - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <changefreq>monthly</changefreq>
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    <lastmod>2024-01-03</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/58f1597a-9c77-4335-a5fa-ba60dfb35df6/new+FR+2.0+profile+template+-+2023-12-11T133352.732.png</image:loc>
      <image:title>Fintech News - AI and a wave of efficiency - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-12-07</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/47ee9c9f-24a8-4044-a190-21c1c570e8b3/new+FR+2.0+profile+template+-+2023-12-07T140553.932.png</image:loc>
      <image:title>Fintech News - Promoting equality and diversity in fintech with Galileo - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-12-13</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/8da1413e-97a7-4cfd-9491-4d689660177a/Screenshot+2023-12-06+at+1.20.36%E2%80%AFPM.png</image:loc>
      <image:title>Fintech News - As brands jump on AI bandwagon, regulators respond - Make it stand out</image:title>
      <image:caption>source: Google NGram Viewer</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/2d045e15-dc74-4e97-a223-c48004ea5cce/Screenshot+2023-12-06+at+1.22.03%E2%80%AFPM.png</image:loc>
      <image:title>Fintech News - As brands jump on AI bandwagon, regulators respond - Make it stand out</image:title>
      <image:caption>source: Google NGram Viewer</image:caption>
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    <lastmod>2023-12-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/ba9baed3-fdc1-46cc-8dc1-ab2dcd95fcfe/new+FR+2.0+profile+template+-+2023-12-05T134354.241.png</image:loc>
      <image:title>Fintech News - The expanded world of payments with Ingenico - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <changefreq>monthly</changefreq>
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    <lastmod>2023-12-20</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/f47e3779-3e76-41b8-a56f-7e3361a68ccb/new+FR+2.0+profile+template+-+2023-12-04T130239.099.png</image:loc>
      <image:title>Fintech News - It's not wrong to down-round - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
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    <lastmod>2023-12-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/8c3ca9ba-0dbc-41da-8b2d-e3d7a337bc98/new+FR+2.0+profile+template+-+2023-11-30T130639.667.png</image:loc>
      <image:title>Fintech News - The state of BNPL - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
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    <changefreq>monthly</changefreq>
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    <lastmod>2023-11-30</lastmod>
    <image:image>
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      <image:title>Fintech News - The meaning of “responsible growth” at Binance - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
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    <lastmod>2023-12-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/709c56cd-943b-49b3-9234-2b490076c1fc/new+FR+2.0+profile+template+-+2023-11-28T125819.977.png</image:loc>
      <image:title>Fintech News - Transitioning to a low-carbon economy with Cogo - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
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    <changefreq>monthly</changefreq>
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    <lastmod>2023-12-04</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/b01c4b7e-d8b0-4c3b-9a25-64996188f7b1/new+FR+2.0+profile+template+-+2023-11-27T145330.995.png</image:loc>
      <image:title>Fintech News - Building without dependencies - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
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    <lastmod>2023-12-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/a1a31aa1-d919-4e11-bd22-8041c7dee050/new+FR+2.0+profile+template+-+2023-11-16T122426.900.png</image:loc>
      <image:title>Fintech News - Data operations for capital markets with Clear Street - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
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    <changefreq>monthly</changefreq>
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    <lastmod>2023-11-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/574e5d2d-c4c2-46a0-8174-04b3e2629c65/new+FR+2.0+profile+template+-+2023-11-15T145752.783.png</image:loc>
      <image:title>Fintech News - Data solutions, regulations, and capital markets - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2023-11-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/32f8a7e3-88d6-4a73-bb76-c538ae610664/new+FR+2.0+profile+template+-+2023-11-14T124629.310.png</image:loc>
      <image:title>Fintech News - Fintech incubation and data access with Fintech Sandbox - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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  </url>
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    <changefreq>monthly</changefreq>
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    <lastmod>2023-11-14</lastmod>
    <image:image>
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      <image:title>Fintech News - Data in finance and capital markets with Semarchy - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://thefr.com/news/digital-wallets-and-fintech-operations</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2023-11-10</lastmod>
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      <image:title>Fintech News - Digital wallets and fintech operations - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Fintech News - The future of healthcare-focused fintechs with Distributed Ventures - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Contributors - TheFR_logo-web-new.jpg (Copy)</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/35f49286-b32b-4189-852c-735bad3b9114/SBillerContibutorHeadshot.jpg</image:loc>
      <image:title>Contributors - Sarah Biller</image:title>
      <image:caption>is a fintech entrepreneur and investor. She co-founded an AI-powered predictive analytics platform for institutional bond investors, Capital Market Exchange, as well as the FinTech Sandbox. She is now the Executive Director of Vantage Ventures and an investor and board director in firms digitizing the private asset and public markets, community banking and back and middle office Financial Services systems. Her jam is entrepreneurs' tackling world-changing ideas.</image:caption>
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      <image:title>Contributors - Alexandre Lazarow</image:title>
      <image:caption>is an author, speaker, and global venture capitalist. His debut book Out-Innovate: How Global Entrepreneurs – from Delhi to Detroit – Are Rewriting the Rules of Silicon Valley was published by HBR Press. Alex is the Founder &amp; Managing Partner of Fluent Ventures, is a Kauffman Fellow and a CFR Term Member.</image:caption>
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      <image:title>Contributors - Matt Ober</image:title>
      <image:caption>is a managing partner at Social Leverage. Matt was most recently the Chief Data Scientist at Third Point, where he built the data analytics and technology platform used to enhance the firm’s investment capabilities in equity, structured credit, venture capital and cryptocurrency. Prior to joining Third Point, Matt was the Head of Data Strategy at WorldQuant and part of the WorldQuant Ventures founding team focused on private investments in fintech, data, and technology companies. Matt has been an active angel investor for over 10 years, holds a Chartered Alternative Investment Analyst (CAIA) designation, and sits on the board of governors for his alma mater, California State University Chico.</image:caption>
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      <image:title>Contributors - Marcel van Oost</image:title>
      <image:caption>is a prominent fintech social media commentator, investor, and entrepreneur. The founder of “Connecting the dots in FinTech,” a popular series of fintech newsletters, Van Oost offers timely news relevant to investors, entrepreneurs, consultants, and regulators within the fintech and digital banking space.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/589608bf-5a93-4116-8cc7-38b26ccc4230/CRansomContributorHeadshot.jpeg</image:loc>
      <image:title>Contributors - Carey Ransom</image:title>
      <image:caption>is a SaaS entrepreneur, executive, investor and advisor, and has started, grown and/or led 8 B2B and consumer SaaS companies during startup and growth phases. He is currently President of Operate and the Managing Director of BankTech Ventures, a newly launched strategic investment fund focused on compelling technologies for community banks, and founded and funded by leaders in the community bank ecosystem. With full support and endorsement by the ICBA (Independent Community Bankers of America) and over 100 community banks, the fund serves the community banking ecosystem through strategic investments, education and collaboration. Carey is an entrepreneur with a passion for sharing and discussing ideas while learning and teaching along the way.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/aef222f7-ad2a-4175-b3c2-8b4caec5437c/GRACE-KEITH.png</image:loc>
      <image:title>Contributors - Grace Keith Rodriguez</image:title>
      <image:caption>is CEO of Caliber Corporate Advisers, a marketing and communications “go-to” agency and trusted partner to companies in the financial services &amp; fintech space. A proven communicator, Grace has more than a decade of expertise in fintech and financial services and has extensive experience overseeing all aspects of client activity and helping craft proven and effective communications strategies. Grace joined Caliber in 2014, and before being appointed CEO, served as Caliber’s first-ever president for five years. As president, Grace led the firm’s people efforts, including recruitment, and learning and development, launching the award-winning Caliber College of Public Relations (CCPR) program. Grace has also helped countless Caliber clients tackle complex PR challenges. Prior to joining Caliber, Grace managed PR for the Financial &amp; Risk business at Thomson Reuters, and served as PR manager at OTC Markets Group, supporting the compliance, equities, technology and fixed income businesses.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/56410113e4b0e34f8bbcceb3/16d2a2bf-4e28-48c9-bb46-ba8b7150e5ae/EShawContributorHeadshot.jpg</image:loc>
      <image:title>Contributors - Emmalyn Shaw</image:title>
      <image:caption>is a co-founder and managing partner of Flourish Ventures, an early-stage global venture capital firm that invests in mission-driven entrepreneurs and industry influencers working towards a fair financial system. Emmalyn co-manages the firm and leads the firm’s US investment team. Her current portfolio of disruptive fintech companies includes Brigit, Chime, Clerkie, Cushion.ai, Curbwaste, EarnUp, Jetty, Kin, Mantl, Propel, Skipify, Steady, TrueBiz, and Unit. She has over 23 years of venture investing experience, working closely with entrepreneurs to build large-scale businesses. Prior to launching Flourish, Emmalyn co-managed the Fintech investment team at Omidyar Network as a Partner and led early-stage tech investments as a Venture Partner at Oak Investment Partners. Prior to her work in venture, Emmalyn worked as an investment banker in Morgan Stanley’s Technology group during the ‘90s. She began her career as a product manager for fintech company MSCI Barra, a leading portfolio analytics software solution.</image:caption>
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      <image:title>Contributors - Tiffine Wang</image:title>
      <image:caption>is a Fintech Expert, Global Venture Capitalist, and Corporate Innovation Executive. Tiffine previously worked with Singtel Group and Singtel Innov8 on investments and strategic partnerships, bridging new technologies from North America to South East Asia and Australia. She serves as an Industry Fellow for the Center of Entrepreneurship and Technology (CET) at the University of California, Berkeley, and sits on the Advisory Board of UC Santa Cruz's Center for Analytical Finance.</image:caption>
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    <lastmod>2024-12-19</lastmod>
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    <lastmod>2024-12-10</lastmod>
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      <image:title>Banking - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <lastmod>2024-12-06</lastmod>
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    <lastmod>2024-12-12</lastmod>
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