Rafael Goncalves 00:47

Hello, everybody. Good afternoon. Good morning. Good evening, good day, wherever you’re listening and watching us from KoreTalkX number 12. We’re sorry for the small delay. But we had a little bit of a technical issue. I mean, I love technology, especially when it works. But it happens, it happens. I’m very happy to be here. My name is Rafael Gonzalez. I’m the Communications Manager for KoreConX. And I’ll be co-hosting this great show today with Vincent Molinari, if I can call your Vince. Everybody’s doing like that you the industry. I’m straight from Brazil, and you’re straight from New York. That’s the beauty of technology. That’s the beauty of our world. Right? We can share the world as a very, like a coffee table, right? We’re around some coffee. So, Vince, I’m very thrilled to have you here straight from FinTech TV studios. So I would welcome you, I’d love to have you talk a little bit about yourself and a little bit about our background. And a little bit about FinTech TV, please, the stage is yours.

Vincent Molinari 01:55

Wow. Thank you, Rafael, and delighted to be here been a longtime fan of KoreConX and everything that Oscar has been driving and helping deliver truly, as a community member, really building education and awareness and collaboration. So delighted to be here. Maybe next time, I’ll come to Brazil sounds like a good place to be to have great conversations. Yes. So well, you know, my background has historically really been in capital markets, technology, and really, modernization of securities law. And that’s been a pretty long tail journey over 35 years. And really looking to both sides of the access to capital as democratization, to access of capital, as we talked about, but also the other side of that as wealth creation and opportunity for investors who ordinarily may not have access to those investments. But really looking at everything pre-JOBS Act going through the Jobs Act, the ability to generally solicit securities using social media or what became the removal of the ban on general solicitation, crowdfunding for equity, what became Reg A plus? And really those mechanisms? And how do you holistically evolve our capital markets? And then through really what became the advent of digital assets, incorporating blockchain DLT check technologies across financial service systems. Yeah, which really led me to the media business, released for the advocacy and I was very fortunate to provide testimony to US Congress three or four times because two dozen petitions for rule change common letters to CFTC, FINRA, and the SEC really on digital transformation. So that advocacy really led to great subject matter that wasn’t really being spoken about in mainstream media. And that was a bit of the education awareness that we continue to talk about. That became the arrival destination of FinTech TV, where we really look to amplify and elevate stories of people projects, companies that are either advancing digital transformation, whether that’s blockchain stablecoin, digital assets, cryptography, generally, for the other component that we really care deeply about is sustainability. ESG climate changes the sustainable development goals of the United Nation. And really were, you know, a few years ago where we saw those intersecting, and maybe we were early in the view of the intersection of digitization and sustainability, but I think we’re seeing more and more of that converging. So somehow I was guided or found myself into the media business and you know, very proud that we have our mainstay Udo at the New York Stock Exchange on the floor of the New York Stock Exchange and operate in many jurisdictions around the globe, which I think is a really strong signal of the demand side for this content, being somewhat borderless in really kind of where we’re finding ourselves in this global digital transformation.

Rafael Goncalves 05:25

That’s really an amazing journey. And you talked about the sustainable development goals of the United Nations. I’m not quite sure I may be wrong, but I think it’s number eight or number nine that talks about economic growth and work. I don’t remember exactly. And that that has anything to do with what we’re dealing with today. Right? With the rise of capital markets with entrepreneurship. And the technology that’s been in the center of a lot of those changes recently, right? I believe it’s goal number eight, oh, Google it as we speak. Yeah. I used to know the 17 by RT, but I don’t remember exactly their numbers right now.

Vincent Molinari 06:08

Well, but I think you’re right, Rafael, and, you know, I’ll jump to SDG 17, which is collaboration and partnership. And when we look at that and look at anyone, whether you want to talk about gender equality, financial inclusion, clean water, oceans, education, agriculture, you know, pick anyone, I think the advancement of the Sustainable Development Goals are really exponential exponentiated by technology. And that’s what makes me so excited. And looking at that both from moving private sector capital to the goals themselves, but really, to the education awareness, and really, the trying to reach the goals of 2030.

Rafael Goncalves 06:52

Yes, that’s challenging. That’s really challenging. But you have been, you have been in finance since the late 80s. If I’m not mistaken, right? And it feels that not long ago, we were using those green screen computers. And we were and we were programming stuff on MS-DOS, right, typing common lines. And now 40 years later, we’re talking about blockchain. 30 to 40 years later, you’re talking about blockchain. We’re talking about technology to help transactions worldwide. And how do you feel? How do you feel that technology has impacted the financial world? 

Vincent Molinari 07:42

Yeah, it’s a great question. And, you know, thank you for pointing out how old I really am. But I think we, we look at that having the benefit of

Rafael Goncalves 07:51

Just look at your LinkedIn profile.

Vincent Molinari 07:55

Ya know, and I guess I am proud going back to the late 80s, starting at Lehman Brothers, and being through many cycles, right. And I think when we look at the advent of technology, what our markets have told us, you know, and, you know, I chuckle when I think at the green screens in the process, but, you know, if we look at every tradable asset class, it’s probably true globally. You know, we looked at it as phone brokered, then there was a bit of hybrid with phone and computer, then we went to electronic, then we went to high frequency algorithmic, right, so we’ve seen this compression, and what I’d say is the efficiency of markets being driven by technological advancements. So we continue to see this, again, across any asset class that when we talk about publicly traded equities when we traded in fractions, right, and then we went to, you know, pennies and decimals, right. And so that process, and the efficiencies that come to spreads and transparency, which then seem to have higher trading volumes, right, as we have price compressions and efficiency. So the more technology that we have chasing inefficiencies in our markets or our infrastructure, the more efficient they become, and competitive in price compression. So I think that we see that history repeating itself. And it’s kind of where my view was in 2015 2016 when we really started to look at blockchain as part of the system. You know, for me, it was much more of an evolution of capital markets, engaging in the next greatest technology than it really was a revolution that was perhaps going to have cryptography replacing every piece of market infrastructure, but really, that converging and making more efficiency. So I think I think we were seeing that script play out yet again.

Rafael Goncalves 09:53

Yes, yes. It’s amazing how not how fast things change, because speed is a matter of perception, but how deep changes have been going through. Right? I remember I’ve worked for the past decade, for a bank, an automaker bank. And I joined in 2012, I guess. And I laughed during the pandemic, but the role of our bet our bank thoughts, the automaker changed completely, how we proceed with securities and how we proceeded with financing. And how we proceeded with KYC changed completely within 10 years. I mean, and then when I think about what I did 10 years ago, so Wow, I think man was radically a caveman. But I thought it was so technological, you know, but things have been changing and evolving very quickly and very deeply. And regarding digital assets, and fintechs, and all these deep changes that have been going on. We are witnessing this through evolution in business, and how do you see this role? The roll of this revolution in democratizing access to capital, and entrepreneurship, do believe it’s never been easier to be an entrepreneur do believe it’s never been tougher, we have more access to capital, or is it more complex? Is it more? Is it more accessible? How do you feel about it?

Vincent Molinari 11:34

Well, I think I’ll start with being an entrepreneur is never easy, no less a startup entrepreneur, right? Maybe some of the access to the tools are getting better. So I think we have a greater recognition. I think that’s where I’ll start up how important now private marketplaces, private companies to our job creation, to economic growth, to really general prosperity. So I think what we’ve seen as part of this evolution, particularly since the passage of the jobs act a decade ago, the increased issuance of private securities that are surpassing the aggregate of our public securities marketplace, and we can talk about other things within our public market infrastructure with a Sarbanes Oxley decimalization reg NMS that had an impact on the number of IPOs, the size of them, but really the recognition that alpha capture and wealth creation is happening earlier in private securities. And the valuation increases afforded to private companies are really similar to what we saw in growth stage of public company size, when they were going public, that you’re able to capture that as in private securities, pre public offering. So I think the attractiveness of the private security market has grown dramatically, largely because of access to technology, and modernization of securities law, again, whether we go back to the Jobs Act, and we talked about crowdfunding for equity, to change to 12 G and 2000 shareholders to Reg A plus, certainly the removal of the ban on general solicitation, I think, has been very important. So I think we see that revolution, as really an evolution of understanding. And now how, what product do you bring forward? What is investable? How do you have access or democratization to those opportunities that afford themselves for wealth creation earlier in the cycle, and to many more individuals, both we can talk accredited, and retail than just the institutional participants? So I think that’s, that’s a really meaningful advance advancement. And then I think if we overlay blockchain DLT, any kind of digital asset, you’ll, for the most part, it’s largely the same securities instruments with a different wrapper, right and in a digital format, and that, I think, that lends itself very well to transparency to the construct. I love a smart contract. Sorry, I love a smart contract from the standpoint that you can construct it as a fixed income instrument, revenue share equity. So I think that product creation really creates greater opportunity. Well, which may speak to a little bit of easier access to capital that helps the entrepreneur grow.

Rafael Goncalves 14:39

Nice, yes, at KoreConX we work deeply in that educational aspect of capital access and democratization of capital. Right. We do believe that private capital, I mean, we know that our 4.7 billion investors worldwide if you can Sit there non-accredited investors. So we do believe that there’s enough capital for everyone and good ideas out there and entrepreneurs are there. And of course, technology evolution. They’re all there to help us. Right? So we can, KoreConX is proof of it. So it’s FinTech TV, right? Because you you are you switched? Not not, you didn’t switch, but you added your, your financial expertise to your communication expertise, right. So this is something that that 12-20 years ago, we would never have thought, right, having an online conversation and streaming and online TV to help educate and to help bring information that’s not on regular media. Right. You are also product of this evolution?

Vincent Molinari 15:47

Well, no question. I feel, you know, I couldn’t have dreamt of what we’re doing today, even five years ago, no less 10 years ago, both from, you know, as we talk about, perhaps a move to singularity and the efficiency and cost reduction of technology. But really, and maybe COVID has a lot to do with us and the advancement of acceptance of digital transformation as a communication tool. But, you know, we really have accelerated by quantum leaps in just the last couple of years. And I think what’s worth really noting, as we talk about access to capital, education and awareness, it is really the ability to engage communities that have been really intentionally, I don’t want to say that or inadvertently left out, right. Whether that is women, people of color, your minority groups, urban communities, rural communities. When you think about the brain trust that exist in communities that just didn’t have the access to how do I raise capital, I don’t have a community, I don’t have access to now be able to dream that those entrepreneurs can now have access to capital that is game-changing in terms of benefit to our planet, as holistically, but that’s kind of a dream come true.

Rafael Goncalves 17:11

Yes, totally, totally. We have, we have a blog post on our KoreConX website, which is called maybe wrong here. But it’s called Online is proven successful for minority founders. And that’s basically it. I remember, I remember editing this text. I think that the funding from crowd raising group like 30%, to minorities only in 2001-2021. I mean, it’s a big growth, we still have a long way to go. But it’s still growth, right? It’s still positive. And that’s basically it.

Vincent Molinari 17:52

Yeah, no, listen, you know, we there’s a long way to go. You know, particularly, you know, if we look at access to venture capital to for women-owned businesses, were in the single digits, six 7% of all allocated capital to women. If we get into women of color, it’s literally two or 3%. So as many as much as we have had advancements, perhaps with the crowd, we have to move to greater advancements across the capital stacks.

Rafael Goncalves 18:26

Yes, yeah, they see that. Another topic that you guys cover a lot on FinTech TV, we talked about it talk a lot about financial issues, of course, and, and business, but you also have a very strong feeling for ESG. Right. We already talked about the Sustainable Development Goals, which is obviously environmentally connected. And Sustainability and Environment are of course connected. What do I talk about sustainability, and business is not just about preserving trees and reducing carbon and everything, right? It’s about creating jobs and about creating solid companies and about paying taxes and about doing things compliantly. Right. And governance that ESG, in that acronym sometimes doesn’t think figure it out, because it was responsible for them to make to make everything work like that. The compliance issue, the financial issue, the CEO, who’s, who owns that the topic of it evolves governance, everyone, what do you think of it?

Vincent Molinari 19:36

Well, you know, and thank you for bringing that forward. Rafael, I think, you know, start with perhaps who owns it right. So if we look at the great leadership of Paul Polman, the former CEO of Unilever, you stop talking about a shareholder right and talking about a stakeholder, right? So the stakeholder is the customer it is the shareholder, it is the executives, it is the as community members, it is everybody. So who owns it, we all own it as a stakeholder, right? So when we begin to shift our mindset, of perhaps break from being a consumer to be a contributor, right, we look at the process a bit differently. I think, you know, when we look at it from a FinTech TV standpoint, and part of it is, frankly, part of my personal mandate that I look at, your profit is not a dirty word, maybe greed can be profit, create sustainability. And that sustainability is really what’s needed to create systemic change. So when we look at whether we want to talk about sustainability, ESG, or climate change, the conversation has now changed to, in my opinion, what used to be a bit of a, it’s a nice to do thing as corporate branding, and perhaps the marketing department to now that we can measure externalities, very important, measuring externalities, and having clean data sets and being able to meta tag that in ways that we never could, you’re moving that conversation now to the front office. It’s the CFO, it’s, it’s the Treasury Department of those corporations, and now you’re speaking to their fiduciary responsibility. Right? So it’s a much bigger stick, if you would, when, you know, nice to have, yeah, good branding, to wait, there’s a fiduciary responsibility in the way that you act and govern, the way you operate within your supply chain. And again, I’ll come back to technology now that technology provides transparency, right there up companies, people are being exposed for being, you know, washing, so to speak, in many cases. So the corporations that conduct themselves properly, given transparency, you’re going to be rewarded with much more loyal consumer shareholders, I’ll say, stakeholders, and we’re going to see their valuations be rewarded that access to capital, and the cost of capital being cheaper. And those that don’t conduct themselves properly, it’s going to be the inverse, less valuations, valuations being impaired, much higher access to cap capital. And I say a flight of the consumer because the consumer wants to align themselves with corporations that they believe in and trust. So it’s a I believe we’re in the pathway of a much different engagement as corporations and its stakeholders.

Rafael Goncalves 22:31

Yeah, that’s the Yeah, I totally agree with that, especially if there’s no public is said about technology and transparency. The public can now see that in real-time, so they can choose, oh, I’m not buying from companies that test on animals. I mean, it’s easy to look it up, it’s easy to find a competitor that has a similar quality. And people are willing to pay to even pay a little more right? For companies that they can rely on that that have this kind of values and that are socially responsible, right? That’s, that’s a very interesting change when you talked about five years ago like you didn’t, you couldn’t dream off what you’re doing now five years ago, but this is also part of this deep change that we talked about. That’s the game on technology, right? And we’re streaming, we’re streaming right now we’re live streaming to our YouTube or Facebook or LinkedIn channels. And you are daily streaming, talking on your shows. YouTube has been bought by Google quite some time ago. And videos are clearly the thing for internet right now. And probably for the near future. How challenging is it for you guys to educate people online? Using streaming? What? How do you feel about this challenge? Because it seems today that everyone wants to see a tick tock dance and recipes and cute cats and cute animals. How challenging is it to wake up every day and know I got to educate people, I got a mission. I got stuff to do, and I’m gonna get my message across.

Vincent Molinari 24:21

Well, you know, another great question. So, you know, in everything that we do we have challenges, right. So I think the challenges are overcome by one’s passion or desire to succeed. So it’s less of a challenge, I think, than it is about realizing goals and our passion to help do our part, our personal responsibility to help put our planet in a bit of a better place. So, you know, you bring up YouTube when we started with the shows early on. We were out on YouTube and we were putting things forward and you know, we had 12 million views on YouTube. Not really knowing what we were doing to be quite candid. But what it told us, we talked about it as signals, right, the signals that we see from the noise. But that told us that the content was important and that it was being underserved. And there was an opportunity. And we had a great benefit, perhaps because of some of our historic history in financial services, but to work with stock exchanges around the world. So for me, it’s much more about trying to have advancement by almost inward out metamorphosis of change versus trying to combat one another. So so having the purview of the New York Stock Exchange, and having one of the most iconic, or perhaps the most iconic stock exchange in the world, to have these different conversations, right, digital transformation and sustainability coming out of the New York Stock Exchange, really gave us this great ability, and, and, frankly, made some of those challenges less because we had that ability than it was NASDAQ, the London Stock Exchange, and so on. So we incorporated a bit of the shared economy vision, we could never think as entrepreneurs to have global access to production studios and build those oil sales, but by leveraging partners, like the exchanges, but really having the stories to be able to story tell and open, I’d say open hearts, that open minds that open the allocation to capital to things that people care about whether that’s an affinity group, fan base diaspora community because when you have that connectivity to the heart, it again goes back to passion. And if people can deploy capital, to things that they care about. It’s a different mechanism. So I think, you know, when we look at all of this being technology-enabled, whether that’s in our capital markets, whether it’s in our storytelling, our advocacy, it comes back to this great level setter that we just didn’t have, and how do we utilize technology to advance the things that we care about? And for us, it’s access to capital? It is the Sustainable Development Goals, it is ESG integration, and how do we create that new feedback loop? And I think that really allows us to feel we can run through any wall to accomplish and break through a challenge, because there’s a bigger end game.

Rafael Goncalves 27:23

Yeah, there. Wow, that that was really inspiring. That was really inspiring, because every time we’re on the internet, we have this thing, who is listening to us, right, who’s watching us? Why do we do that? Well, yeah, there are people out there and they’re reaching us. And every time we have a new KoreClient or a new KorePartner, such as you guys, such as FinTech TV, it’s interesting to know that you notice that we are working with purpose, right? We have some purpose as just like you said, profit is not it’s not a sin, right? Profit is not a wrong word. Or it’s not something wrong. That’s what keeps companies sustainable, when what keeps taxes being paid, and what keeps jobs, what keeps people happy. And fad. everything right? There was very inspiring, inspiring, and service. Thank you very much for sharing that. And when we talk about blockchain, you’re talking about digital assets you just had this week on Tuesday, yesterday, you just had Oscar on your show writes talking about our new launch Kore ID right to help investors invest and reinvest in an easy way. So how do you feel about that? I mean, you’ve been for a long time in the financial industry. And now you’re also in the communication business, you’re in the string business. How do you feel about that? Changing business, that daily changing business? And How challenging is it to keep up to date? Because maybe what I talked about today can it can be avoided in like, no matter of weeks or days, I don’t know, this technology we’re using right now. Maybe it’s not doesn’t exist in the next year or so. So how big is this challenge of keeping up to date with this financial, technological and communication industry? On a daily basis?

Vincent Molinari 29:30

Yeah, so maybe, maybe I’ll carve that out in two ways. If I could Rafael, I think, you know, the adage of technology. You’ll run fast break things kind of mode is certainly well proven in technology, innovation, particularly around consumer product, etc, etc. I think we’re, we’re, we have to hit pause a little bit when we think of the speed of adoption, it becomes different when we’re talking about people’s money when we’re talking about securities offering, right, we have the 33 Act and the 34 Act. So all of a sudden, the technological advancements many times are well ahead of our securities law or the modernization of the securities law. So a tendency, unfortunately, many cases to be a bit of a more of a lag in the abilities of technology, and what are securities law, or perhaps lack of clarity, in many cases that the securities law will allow us do, which, which has many of us advocating on an ongoing basis to kind of bring regulators and legislators up to speed? And, you know, frankly, that’s, that’s how I met Oscar, you know, more than a decade ago in our jobs act, pre JOBS Act advocacy, and since then, so I think, you know, what are you really doing when it comes down to it is, how do we solve a pain point, a pain point, typically using technology to create an efficiency that allows that access to capital, to the wealth creation and new product. So when I look at Kore idea, I’m super excited about the possibilities to create efficiencies with the identity that allows that to be transportable, perhaps ultimately, from platform to platform, but the onerous process of accredited investor verification, certification, re-upping that, and having to do that multiple times across multiple platforms. So when I think I understand what a Kore ID really does is create that transportable past portable ID that allows for efficiency, anytime that we can have efficiency, right? Theoretically, you’re moving friction from the system, therefore, better access and better flow of capital or investment into an aggregation of raising capital. So I think that’s a tremendous step forward, and one that’s going to serve the market. Well, and not just well, for weeks or months, but perhaps, on the front edge for years.

Rafael Goncalves 32:14

Doesn’t matter. We’re also talking about reliability, right? You have a passport, I mean, you are a participant, you are a regulated participant, people hope you are, you’re definitely you. That’s completely compliant, right. So this is something that we have to keep working upon, right to compliance, and being transparent. And that a lot that technology can do for us there. 

Vincent Molinari 32:41

I think it goes back to the core Rafael where I’d say, what this is where it’s much more of again, of the evolution in the revolution. If we go to the core tenants of market infrastructure, market integrity, right, removal of counterparty risk, the certainty of who you’re dealing with, right AML KYC, go through all the various levels of vetting and due diligence, you have a healthier marketplace, healthier marketplace, has better offerings, more investors coming there, better liquidity, better access to raise capital, and ultimately access to secondary liquidity. So I don’t think conceptually, any of that is new, right? That’s what’s proven to make markets over and over again, but we’re talking about new tools, and technologies, to again, make that more efficient and bring to bear better tools for markets or assets that haven’t had that. So yeah, I think it’s really wonderful.

Rafael Goncalves 33:45

Yeah, that’s great. And that’s just one of we’re just it’s just the beginning. Oscar likes to say that it’s just the beginning, the best is yet to come. We’re always moving forwards. We’re always pushing. And that’s, that’s, that’s the beauty of technology. We can if you can. I know it’s a cliche, but if you can think about it, we can do it. There is a way to do it.

Vincent Molinari 34:10

We have the desire, no question.

Rafael Goncalves 34:12

Yeah, if it’s not against the law, we definitely can do it nowadays. And we see a lot of fintechs, at least here in Brazil, at least we have a very, very modern financial system. You can open a bank account with your mobile phone, you can just take a picture of yourself and your ID and you’re already connected to the government data bank. And you can have a bank account. You can open a bank account and you don’t even have to leave your home. That’s amazing. That’s one of the good things in technology in Brazil. But we see a lot of FinTech companies, that sometimes they start growing and they are bought by big banks or big companies. What do you believe that is the next step. up for this kind of startup companies to keep relevant and to keep growing, we believe that being sold is the way to believe that innovation was gonna spread around and we are going to have more startups. How do you feel about the market right now? I know it’s a million-dollar question.

Vincent Molinari 35:18

Yeah, yeah, I think becomes the billion-dollar question. Right. Particularly with little extra inflation these days. But, you know, I think, as an entrepreneur, we always have a vision of the exit, right, and whether that’s acquisition public markets. So you know, it is a typical pathway for large incumbents to swallow up or acquire the growing innovators to kind of put within their infrastructure. Does that stifle in some cases? Sure. Does it really expand? And others? Yes. So So look, I think it’s all about, you know, you talk about banks, and you talked about what’s going on with Brazil, having four children that are now adults, I don’t know if most of them have really been into a brick and mortar bank, right. So that, you know, it’s a new way of thinking everything is an app-related mechanism, it’s efficient. So I think we continue to see the FinTechs grow, and solve for what I’ll call customer acquisition, that becomes more efficient. And the attractiveness of so many of the FinTechs become their user base. So that user base, whether that is going to expand and sell another product, another version of something else, or looking at distribution. So I think a lot of the future is who’s got stickiness to use a more dated word of the.com. And that customer acquisition, and who can acquire the customer more efficiently, because I will tell you, in looking at my, my, my children as part of my learning, they don’t want to pay for anything, you know, if an app or access is not free to start with, they’re probably not using it. So you have to think about how you’re solving for a pain point giving some added value, not looking to get paid necessarily on the front end of that as the company, and then figuring out, hey, what’s the business model in the back, then I think it’s a recognition of many FinTechs. When there is securities-related or capital flowing, even though it may make your technology less efficient, or create some static within your conversion funnel, you have to adhere to securities law, right? Even if your technology can do an atomic swap in a nanosecond. That may mean that you’re trading clearing settlement and depositing at a transfer agency all in a nanosecond. But you still have to have those guardrails and regulatory rails in place.

Rafael Goncalves 37:58

Yes, that’s what keeps everything running smoothly. Right. And, and the Internet also evolves led legislation also evolves and it also changes, right? It also changes over time. That’s good. That’s very good. Well, Vince, this has been a great chat. I don’t want to take too much of your time. Anything else you’d like to mention? Your final thoughts about all this technological and financial conversation? Please, the floor is yours  to invite our listeners and our followers to follow you.

Vincent Molinari 38:37

Well, first of all, thank you so much, and I appreciate I appreciate what we’re getting up and running. But I’m delighted that we had this conversation and so thankful to Oscar and KoreConX for its really collaborative approach, and really building teams in different companies and relationships to really holistically move the marketplace in the sector forward. And I think my parting thoughts really are reflections. Tech, technology, or technological innovation may be right, it’s how do we apply it? How do we use it? Right, so the more that we have in collaboration, the more that we can work to a common good, and really try to effectuate the whole I think the better off we’re all going to be. So you know, I think it’s just you know, as we look at the great benefits of technology, how do we take personal responsibility and help use that to help put our planet those that are disproportionately affected or don’t have the greatest opportunity, how we kind of tried to use that to scale and create that access? And you know, check out fintech.tv Anytime we’ve got great content going on LinkedIn pretty regularly and you don’t Happy to answer any questions post or you know, hit me up on LinkedIn or any other mechanism. And you’ll be happy to get back.

Rafael Goncalves 40:08

Yes, thank you. Thanks. Thanks a lot. Vince. It’s been a pleasure talking to you online. It’s been a great opportunity. And I’m sure our audience also loved it. KoreConX is really happy to have a core partner such as you suggest VTech TV, and we’re probably going to be putting forward a lot of content, a lot of valuable content for your viewers as well. Our blog, the KoreConX blog on our site, koreconx.com is the largest free library on Reg A and REG CF. So, yeah, if there’s any question that you can definitely, you can definitely go to our blog and check for itself. We have a very large library that’s been built on a daily basis. And we also have this channel core talks on Spotify on iTunes, Apple podcasts, Amazon music, and even Alexa, you can ask Alexa to play Kore talks to you and she will play it. And you can also follow us on LinkedIn follow the KoreConX page. We have newsletters. We’re always there. We answer questions. We answer comments on LinkedIn. And it’s been a pleasure. That’s it guys. Thank you very much. Pleasure. Hope you guys soon. Bye bye.