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B2B Vault: The Biz To Biz Podcast

B2B Vault: The Biz-to-Biz Podcast with Allen Kopelman

Welcome to B2B Vault: The Biz-to-Biz Podcast — the go-to show for business owners, entrepreneurs, and innovators who want to stay ahead of the curve in today’s rapidly evolving business world.

Hosted by Allen Kopelman, a seasoned entrepreneur and fintech expert with over 25 years of experience, this podcast dives deep into the strategies, technologies, and industry shifts that are transforming how businesses operate, grow, and scale.

Each episode explores timely topics such as:

Business Technology & Innovation: Discover how AI, payment tech, SaaS platforms, and digital tools can drive efficiency and growth.

Fintech & Payments: Learn the ins and outs of payment processing, high-risk merchant services, ACH, surcharging, chargeback prevention, and compliance.

Trends & Tactics: Stay informed on market trends, B2B strategies, emerging platforms, and the future of commerce.

Laws & Regulations: Understand how new rules and legislation impact your bottom line — from Visa/Mastercard changes to privacy laws and fintech regulation.

Expert Interviews: Get valuable insights from industry leaders, authors, technologists, and CEOs who are shaping the future of business.

Whether you’re a small business owner, an enterprise leader, or somewhere in between, B2B Vault delivers practical advice, real-world stories, and actionable ideas to help you grow and protect your business.

Tune in every week and unlock the tools you need to succeed in the modern business landscape.

🔒 B2B Vault – Unlocking the secrets to success in the world of business and fintech!

Brought to you by https://nationwidepaymentsystems.com – Payments Powered By People!

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Latest Episodes:

The Birth of B2B Vault | Why we started the podcast? | The Payment Technology Podcast | Episode 147 Feb 24, 2023

Show notes

Allen and Justin, the co-founders of B2B Vault: The Payment Technology Podcast, had always shared a passion for payment technology and the role it plays in transforming the way businesses operate. Both were working in the payment technology industry, but they noticed a gap in the market for a podcast that focused specifically on the B2B (business-to-business) side of payment technology.

They had seen plenty of podcasts that covered consumer payment technologies, but there was a clear need for a platform that would delve deeper into the specific challenges and opportunities facing B2B payment technology companies. They felt that such a podcast would be valuable not only for payment technology professionals but also for business owners and decision-makers who were looking to stay ahead of the curve in this rapidly evolving field.

With this in mind, Allen and Justin began to plan the podcast, envisioning it as a space where payment technology experts and business leaders could come together to discuss the latest trends, share insights and best practices, and offer practical advice for navigating the complex world of B2B payment technology.

They drew on their own expertise and networks to secure interviews with some of the industry's top thought leaders and innovators. They also leveraged social media and online forums to spread the word about their podcast, and soon began to build a dedicated following of listeners who appreciated their insightful, informative approach to the topic.

Over time, B2B Vault has grown into a thriving community of payment technology professionals and enthusiasts, with listeners tuning in from all over the world to stay up-to-date on the latest developments in the industry. Allen and Justin continue to expand the podcast's reach by regularly featuring new guests, offering practical tips and advice, and engaging with their listeners through social media and other online channels.

Their vision of a podcast dedicated to B2B payment technology has become a reality, and their passion and commitment to the field continue to inspire others to push the boundaries of what's possible in this exciting and dynamic space.

Is Financial Technology Changing How We Bank? | FinTech Vs. Banking | B2B Vault | Episode 146 Feb 22, 2023

Show notes

Welcome to today's podcast episode, where we'll be exploring the question: is financial technology changing how we bank? In recent years, the rise of financial technology, or fintech, has brought a new level of convenience and accessibility to the world of banking. But with this change, also comes the question of what impact it has on traditional banking methods.

To begin, let's take a look at what fintech is and how it's changing the way we bank. Fintech is a broad term that encompasses all types of technology used to support financial services. It includes mobile banking apps, online payment platforms, robo-advisors, and peer-to-peer lending platforms, among others. With the development of these technologies, banking has become more accessible and convenient than ever before.

One of the most significant impacts of fintech on banking is the increase in mobile banking apps. These apps allow customers to access their bank accounts, transfer funds, and make payments, all from the convenience of their smartphones. This accessibility has not only made banking more convenient but also more secure, as customers can monitor their accounts and transactions in real-time, reducing the risk of fraud.

Another way fintech is changing how we bank is through online payment platforms. Services like PayPal, Venmo, and Square have made it easy for people to send and receive money without needing to use traditional banking methods. This is particularly useful for small businesses or individuals who may not have access to traditional banking services.

Fintech is also changing the way we invest and manage our finances. Robo-advisors, for example, use algorithms to create investment portfolios that are tailored to an individual's goals and risk tolerance. This technology allows investors to have access to investment advice and services that were previously only available to high net worth individuals.

Peer-to-peer lending platforms, like Lending Club and Prosper, have also changed the way people access credit. These platforms connect borrowers with lenders, making the lending process more efficient and cost-effective. This type of lending is particularly useful for individuals who may have difficulty accessing traditional banking services, like those with low credit scores or those who are self-employed.

While fintech has undoubtedly made banking more accessible and convenient, it's also raised concerns about privacy and security. With so much personal information being stored online, there's a risk of data breaches and fraud. There's also a concern that traditional banking services may be left behind as more customers turn to fintech services.

However, it's important to note that fintech is not necessarily a replacement for traditional banking methods. In fact, many traditional banks are embracing fintech and incorporating it into their services. For example, many banks now offer mobile banking apps and online payment platforms. This integration of technology has allowed banks to compete with fintech startups and retain their customers.

So, what does the future of banking look like in a world of fintech? It's likely that we'll continue to see more integration of technology into traditional banking services. For example, we may see more banks using artificial intelligence and machine learning to personalize their services and offer more tailored advice to customers. We may also see a rise in digital currencies and blockchain technology, which could further revolutionize the way we make transactions and manage our finances.

Point-of-Sale Pain Points & How To Work Through Them | B2B Vault | Episode 145 Feb 17, 2023

Show notes

In today's podcast Allen & Justin discuss the common problems that retailers face with their point-of-sale (POS) systems.

Point-of-sale systems are the backbone of any retail business. They enable merchants to track inventory, process transactions, and manage customer information. However, these systems can be problematic at times, causing headaches for retailers and their customers.

The first problem retailers face with their POS systems is the lack of integration. Many retailers have different systems for their inventory management, customer relationship management, and sales processing. The lack of integration between these systems can cause discrepancies in inventory levels and lead to customer frustration when their information is not updated across all systems.

The second problem is slow transaction processing. In today's fast-paced world, customers expect a speedy checkout process. When the POS system takes too long to process transactions, customers may abandon their purchases, leading to lost revenue for retailers.

The third problem is the lack of data security. POS systems are vulnerable to cyber-attacks, which can compromise customer data and lead to significant financial losses for retailers. A breach of customer data can also damage a retailer's reputation, leading to a loss of customers and revenue.

The fourth problem is outdated hardware and software. As technology advances, older POS systems become obsolete and may not meet the changing needs of the retail industry. Outdated hardware and software can cause slow transaction processing, crashes, and other issues that can negatively impact a retailer's business.

Finally, the lack of training and support for employees is another common problem with POS systems. Employees who are not properly trained on how to use the system can make mistakes, leading to incorrect pricing, inventory discrepancies, and other issues.

To overcome these problems, retailers can take several steps. They can invest in an integrated POS system that streamlines all aspects of their business, providing real-time updates on inventory levels, customer information, and sales data. Retailers can also invest in the latest hardware and software to ensure that their systems are up-to-date and meet the changing needs of the retail industry.

Furthermore, retailers should prioritize data security and invest in robust security measures to protect customer data from cyber-attacks. They should also provide regular training and support to employees to ensure that they are equipped with the knowledge and skills to use the POS system effectively.

In conclusion, while POS systems are an essential component of any retail business, they can also cause various problems. By investing in an integrated, up-to-date system, prioritizing data security, and providing training and support to employees, retailers can ensure a smooth and efficient checkout process, leading to happy customers and increased revenue.

How Shoplifting & Dine and Dash Are Affecting Businesses | B2B Vault | Episode 144 Feb 15, 2023

Show notes

In todays episode Allen & Justin will be discussing a topic that has been a longstanding issue for many small businesses - Dine & Dash.

For those who are unfamiliar with the term, Dine & Dash is a situation where a customer leaves a restaurant or a food establishment without paying their bill. This has become a widespread problem, and it affects small businesses the most.

Many small businesses operate on thin margins, and Dine & Dash can significantly impact their bottom line. This type of behavior is not only unfair but also illegal. When a customer Dine & Dashes, the business owner is left with the bill and no way to recoup their losses.

Small businesses often have to take measures to prevent Dine & Dash from happening. One way to do this is by asking customers to pay before they receive their food or by taking a credit card as collateral. However, these measures can also deter honest customers and negatively impact the customer experience.

Dine & Dash is not only a financial burden for small businesses, but it can also affect their reputation. If a business is known for being a target for Dine & Dashers, it can deter potential customers from visiting the establishment.

It's important to note that Dine & Dash is not exclusive to small businesses. Larger establishments are also affected by this problem. However, small businesses are more vulnerable to the financial impact of this type of behavior.

So, what can be done to prevent Dine & Dash? One solution is to have a clear policy in place and to communicate it to customers. This can include asking for payment upfront or having clear signage indicating that Dine & Dash will not be tolerated.

Another solution is to invest in technology that can help prevent Dine & Dash. For example, some restaurants use software that tracks customers and their orders to deter dishonest behavior.

In conclusion, Dine & Dash is a problem that affects small businesses and can have a significant financial impact. While there is no one-size-fits-all solution, having clear policies in place, investing in technology, and communicating with customers can help prevent this type of behavior. Thank you for listening, and we hope you found this episode informative.

Where Do Small Businesses Go For Resources? | B2B Vault | Episode 143 Feb 10, 2023

Show notes

In today's episode we discuss resources for small businesses, entrepreneurs, and freelancers. Whether you own a business or are thinking of starting a business this episode will help. There are a ton of resources available for small business that most people are unaware of.

7 New Rules For Small Business In 2023 | B2B Vault: The Payment Technology Podcast | Episode 142 Feb 08, 2023

Show notes

1. How independent contractors 1099 will be classified:

This could disrupt many businesses - the new classifications are already an issue in California under AB 5. The federal Government is making similar rules.

https://www.federalregister.gov/documents/2022/10/13/2022-21454/employee-or-independent-contractor-classification-under-the-fair-labor-standards-act

2. Expanding the SBA lender network:

This is a hot mess - during Covid, this happened and now there are a number or lawsuits and new rules. These Fintech lenders need to be held accountable and the government needs to a better job with controlling FRAUD.

3. Federal Trade Commission (FTC) proposes broadly banning non-compete agreements:

Also, this could encompass non-disclosures and more - let's hope this stops the nonsense about stopping people from working in an industry - business owners need their secrets and customers protected.

4. Treasury Department's final rule would require detailed business ownership information:

This could cause an issue in states like Delaware, Wyoming and Nevada, and a few others that do not disclose ownership on corporate documents that are available to the public. The exemptions always puzzle me as they say companies with 20 or more employees or $5m in revenue don't have to comply - that's just wrong. Could everyone please do it? FinCen wants to know who owns all these small companies and the IRS. Another attack on small business owners!

5. Immigration services fee for businesses:

Raising the fee to bring people to work in the USA from $40-$50 to $1000. Personally, I like that! Google and many companies are laying these people off now and they will have to go home unless they find jobs quickly. (60-90 days)

6. Tighter rules and regulations on fund managers, and venture funds:

This includes all types of Fintech companies - this is to ensure we do not have another FTX nightmare!That is why the SBA needs better controls as well.

7. Reprieve on payment network transaction requirements from IRS:

The rule about reporting $600 or more on 1099K from Venmo, PayPal, Zelle, cash app etc.. has been delayed. The rule about reporting the $20,000 is still in tack or 200 transactions. This is cumulative across all payment types. The IRs will try to figure it out by the end of 2023. Meanwhile, many of these providers have made people turn their accounts into business accounts. Doing a little housekeeping themselves.

Has Tipping Culture Gone To Far? Tipping Etiquette: Navigating Social Norms and Expectations | B2B Vault: The Payment Technology Podcast | Episode 141 Feb 03, 2023

Show notes

Today, we will be discussing the topic "Has The Tipping Culture Gone Too Far?"

So we got the idea for this podcast after watching quite a few TikTok videos and reels on FB and IG. Quite a few people were stirring the pot about tipping, and we wanted to chop it up and talk about tipping culture.

Tipping at restaurants is not what we are talking about - but all the other places asking for tips. We want to know if you think tipping is out of control, what places you have seen asking for tips that you like or don't like.

We also learned that TIPS stands for To Ensure Prompt Service!

So if you get good service - leave a good tip!

What is Tipping Culture and its origin Tipping is a practice that originated in 17th-century England as a way for customers to show appreciation for good service in a tavern or coffeehouse. In the United States, it became a widespread practice in the early 20th century, and today, it is a widespread custom around the world. Tipping is often seen as a way to reward good service, but it has also become a source of controversy and debate.

Pros of Tipping Culture Tipping can be seen as a way to incentivize good service. Service workers who receive tips often work harder to provide better service to their customers, which can lead to a better overall dining or service experience. Additionally, tipping can provide a source of income for workers who may not earn a high wage from their employer.

Cons of Tipping Culture On the other hand, tipping culture has also come under criticism in recent years. Some argue that it is an inconsistent and unfair way to compensate service workers, as the amount of money a worker earns through tips can vary greatly based on the number of customers they serve and their individual behavior. Additionally, it can put workers in the position of having to rely on the generosity of their customers for a significant portion of their income, which can be uncertain and unpredictable.

Alternatives to Tipping Culture One alternative to tipping is a service charge, which is a fixed amount added to a customer's bill. This would provide a more consistent and predictable source of income for service workers, but it may also reduce the incentive for good service, as customers may feel less motivated to tip if they believe a portion of their bill is already going towards compensating the service staff.

Tipping culture is a complex issue that has both advantages and disadvantages. Whether it has gone too far is a subjective matter, and opinions will vary. However, it's clear that the current system has its flaws, and it may be time to consider alternative ways to compensate service workers in a more fair and equitable manner. Thank you for listening to this episode of the Thoughtful Pod.

Stay Safe: Tips for Protecting Your Business from Check Fraud | Scammers | B2B Vault: The Payment Technology Podcast | Episode 140 Feb 01, 2023

Show notes

In this episode of B2B Vault: The Payment Technology Podcast, we dive into the world of check fraud and its impact on businesses. Join us as we discuss the latest techniques used by scammers, the warning signs to look out for, and the best practices for avoiding check fraud. Whether you're a business owner or a payment professional, this episode is a must-listen for anyone looking to protect their organization from financial loss. Tune in and arm yourself with the knowledge to stay ahead of the game in the fight against check fraud.

The world of check fraud is constantly evolving, and it can be difficult for businesses to keep up with the latest tactics used by scammers. However, by staying informed and educated, businesses can better protect themselves against these types of crimes. In this episode, we will be discussing the latest trends and techniques used by scammers, as well as the warning signs that businesses need to be aware of.

Fraud is a growing problem, affecting individuals and businesses alike. In this article, we will discuss several types of fraud and how to protect yourself and your business from being a victim.

Business Fraud

Businesses are often targeted by fraudsters who try to rip them off through fake purchases, shipping scams, and fake loan services. To protect your business, you should always be wary of large purchases, shipments to P.O. boxes or UPS stores, and cards with damaged chips.

To avoid chargebacks, never key in a card where the chip is not working, and always be on the lookout for scams that promise to get you money from the government. Stay informed about the latest scams and be sure to double-check any offers that seem too good to be true.

Personal Fraud

Personal fraud can take many forms, from fake emails and phone calls to scams through instant messenger and pay apps like Zelle and Cash App. One of the biggest scams currently affecting individuals is the massive lawsuit involving Zelle and some banks.

Other common personal frauds include fake emergency situations like a relative in trouble, the IRS, or a fake Amazon purchase, as well as texts asking for payment for a rental or mortgage.

How to Protect Yourself

To protect yourself from personal fraud, it's important to be vigilant and never share your account information, such as your PIN, passwords, social security number, or credit card numbers, with anyone. If you ever receive a call or text that you question, hang up and call the actual company directly, or simply do nothing.

Only send money to friends, family, and others that you know and trust, and always be cautious when receiving requests for transfers or payments. Stay informed about the latest scams and frauds, and be sure to keep your personal information secure.

In conclusion, fraud is a growing problem that affects everyone. By being informed and vigilant, you can protect yourself and your business from being a victim.

CurPay Co-Founder Chris Curtin Talks Crypto & The Future of Alternative Payments | FinTech Friday | B2B Vault: The Payment Technology Podcast | Episode 139 Jan 27, 2023

Show notes

In today's episode of FinTech Friday, Allen & Justin have the pleasure of talking shop with Chris Curtin, Co-Founder of CurPay. CurPay is an easy-to-use digital payment and portfolio management software platform. We'll discuss the future of cryptocurrency, NFTs, alternative payments, and much more. Tune in at @3PM EST today!

Six Payment Processing Predictions To Look Out For In 2023 | B2B Vault: The Payment Technology Podcast | Episode 138 Jan 25, 2023

Show notes

1. Introduction

Brief overview of the current state of the payments industry
Explanation of why 2023 is shaping up to be a year of significant change in the payments landscape
Preview of the 6 payments trends that will be discussed in the article

2. Increased adoption of real-time payments

Explanation of what real-time payments is and how they differ from traditional payment methods
Discussion of the benefits of real-time payments for both consumers and businesses
Analysis of the factors driving the adoption of real-time payments in 2023

3. Growth of mobile payments

Explanation of how mobile payments work and the different technologies that enable them
Discussion of the increasing popularity of mobile payments among consumers
Analysis of the impact of mobile payments on the payments industry, including how they are changing the way businesses accept payments

4. Expansion of contactless payments

Explanation of contactless payments and how they are different from traditional card payments
Discussion of the benefits of contactless payments, including convenience and security
Analysis of the increasing use of contactless payments in various regions around the world, and what factors are driving this growth

5. Emergence of digital currencies

Explanation of digital currencies, including Bitcoin, Ethereum and Libra
Discussion of the use cases for digital currencies and how they differ from traditional fiat currencies
Analysis of the potential impact of digital currencies on the payments industry, including how they could change the way consumers and businesses make transactions

6. Adoption of open banking

Explanation of what open banking is and how it works
Discussion of the benefits of open banking for both consumers and businesses
Analysis of the factors driving the adoption of open banking in various regions around the world, and what the future of open banking might look like

7. Growth in e-commerce payments

Explanation of the different types of e-commerce payments, including online marketplaces, direct online retailers, and digital platforms
Discussion of the benefits of e-commerce payments for businesses and consumers
Analysis of the factors driving the growth of e-commerce payments in 2023 and beyond.
Conclusion and summarize the trends and potential future impact

8. Conclusion

Summary of the 6 payments trends discussed in the article
Discussion of the overall impact of these trends on the payments industry
Thoughts on what the future of payments might look like in 2023 and beyond.

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