Bank On It

100 EpisodesProduced by John Siracusa

New episodes air every Tuesday morning on your way to work. The host John Siracusa covers the most important topics in fintech and banking right now. Every week John asks the toughest questions and has in depth conversations with his guests. Some of these topics include fintech/bank partnerships a… read more

episodes iconAll Episodes

Episode 235 Richard Muirhead from Fabric VC

July 16th, 2019

14:56

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 234 David Brear from 11:FS

July 11th, 2019

33:38

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 233 Brian Dally from Groundfloor

July 9th, 2019

34:03

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 232 Brock Blake from Lendio

July 2nd, 2019

36:13

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 231 Will Martino from Kadena

June 27th, 2019

37:50

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 230 Gareth Jones from Fintech Collective

June 25th, 2019

37:07

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 229 Matt Law from Outlier Ventures

June 20th, 2019

13:16

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 228 Chris Hutchins from Grove

June 18th, 2019

36:42

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 227 Sankaet Pathak from Synapse

June 13th, 2019

24:00

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 226 Tal Kol from Orbs

June 11th, 2019

37:57

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 225 Henry Yoshida

June 6th, 2019

19:43

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 224 Jeff Carter from West Loop Ventures

June 4th, 2019

31:24

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 223 Brian Hirsch from Tribeca Venture Partners

May 30th, 2019

38:47

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 222 Richard Arundel from Currencycloud

May 28th, 2019

24:31

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 221 Andrew Jamison from Extend

May 23rd, 2019

44:32

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 220 Hans Morris from Nyca Partners

May 21st, 2019

36:21

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 219 Matt Burton from QED Investors

May 16th, 2019

38:13

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 218 Rhian Horgan from Kindur

May 14th, 2019

27:49

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 217 Don Mal from Vena Solutions

May 9th, 2019

24:59

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 216 Erkin Adylov from Behavox

May 7th, 2019

42:04

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 215 Chris Bruno from Rally Rd.

May 2nd, 2019

30:59

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 214 Cliff Sirlin from LaunchCapital

April 30th, 2019

36:50

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 213 John Buttrick from Union Square Ventures

April 25th, 2019

37:48

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 212 Nicky Goulimis from Nova Credit

April 23rd, 2019

35:29

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 211 Antonio Tomarchio from Cuebiq

April 18th, 2019

39:52

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 210 Lindsay Holden from Long Game

April 16th, 2019

28:57

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 209 Joe Wald from Clearpool Group

April 11th, 2019

33:00

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 208 Stephen Murphy from Genesis Global Technology

April 9th, 2019

31:36

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 207 Olga Feldmeier from Smart Valor

April 4th, 2019

37:52

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 206 Ohad Samet from TrueAccord

April 2nd, 2019

34:39

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 205 Ian Lampl from LoanStreet

March 28th, 2019

31:13

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 204 Vince Passione from LendKey

March 26th, 2019

28:10

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 203 Anna Garcia from Runway Venture Partners

March 21st, 2019

31:00

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 202 Tony Amicangioli from HPR

March 19th, 2019

24:45

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 201 Chris Cunningham from C2 Ventures

March 14th, 2019

36:29

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 200 Gary Beasley from Roofstock

March 12th, 2019

38:45

This is episode 200!  What a milestone!

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations …

Episode 199 Jake Benson from Libra

March 7th, 2019

26:14

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 198 Brian Geary from ODX

March 5th, 2019

27:47

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 197 Brandon Krieg from Stash

February 28th, 2019

36:51

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 196 Chris Hurn from Fountainhead Commercial Capital

February 26th, 2019

34:09

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 195 Gil Beyda from Comcast & Genacast Ventures

February 21st, 2019

29:04

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in …

Episode 194 Michael Ou from CoolBitX

February 19th, 2019

12:12

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 193 Joe Maxwell from Fintop Capital

February 14th, 2019

49:31

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 192 Jeff Martin & Lee Farabaugh from Core10

February 12th, 2019

31:20

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 191 Carl Ryden from PrecisionLender

February 7th, 2019

39:12

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 190 Jennifer Fitzgerald from Policygenius

February 5th, 2019

23:33

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 189 Kendrick Nguyen from Republic

January 31st, 2019

32:47

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 188 Farhan Ahmad from Bento for Business

January 29th, 2019

38:35

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 187 Rashmi Melgiri from CoverWallet

January 24th, 2019

24:47

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech. 

Episode 186 Hendrik Bartel from TruValue Labs

January 22nd, 2019

32:56

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 185 Chris Sugden from Edison Partners

January 17th, 2019

44:58

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 184 Katya Dorozhkina from Starta Ventures

January 15th, 2019

28:00

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 183 Charles Delingpole from ComplyAdvantage

January 10th, 2019

28:55

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 182 Mark Casady from Vestigo Ventures

January 8th, 2019

36:23

Every week the show host John Siracusa talks with impressive fintech leaders and entrepreneurs, through conversation uncovers the remarkable stories behind them, their creations and the most important topics in fintech.

Episode 181 Angela Ceresnie from Climb Credit

January 3rd, 2019

26:48

Every week the show host John Siracusa talks with amazing fintech leaders and entrepreneurs, through conversation uncovers the amazing stories behind them, their creations and the most important topics in fintech.

You …

Episode 180 Ben Cukier from Centana Growth Partners

December 27th, 2018

22:49

Every week the show host John Siracusa talks with amazing fintech leaders and entrepreneurs, through conversation uncovers the amazing stories behind them, their creations and the most important topics in fintech.

You …

Episode 179 Jane Leung from Scenic Advisement

December 20th, 2018

20:09

Every week the show host John Siracusa talks with amazing fintech leaders and entrepreneurs, through conversation uncovers the amazing stories behind them, their creations and the most important topics in fintech.

 

You …

Episode 178 Radek Barnert from WeConvene

December 18th, 2018

34:12

Every week the show host John Siracusa talks with amazing fintech leaders and entrepreneurs, through conversation uncovers the amazing stories behind them, their creations and the most important topics in fintech.

You …

Episode 177 George Anderson from Enterprise Engineering

December 13th, 2018

17:42

Every week the show host John Siracusa talks with amazing fintech leaders and entrepreneurs, through conversation uncovers the amazing stories behind them, their creations and the most important topics in fintech.

You …

Episode 176 Gilles Gade from Cross River Bank

December 11th, 2018

29:42

Every week the show host John Siracusa talks with amazing fintech leaders and entrepreneurs, through conversation uncovers the amazing stories behind them, their creations and the most important topics in fintech.

You …

Episode 175 John McEvoy from Tribeca Angels

December 6th, 2018

29:15

Every week the show host John Siracusa talks with amazing fintech leaders and entrepreneurs, through conversation uncovers the amazing stories behind them, their creations and the most important topics in fintech.

You …

Special Episode - CoinDesk’s Consensus: Invest

December 5th, 2018

1:19:23

This is a special release and extended episode.  The host John Siracusa recorded on site during Coindesk, Consensus Invest 2018 in NYC and interviewed speakers from the event.  

 

Some of the speakers at the event were

Episode 174 Zac Prince from BlockFI

December 4th, 2018

24:53

Every week the show host John Siracusa talks with amazing fintech leaders and entrepreneurs, through conversation uncovers the amazing stories behind them, their creations and the most important topics in fintech.

You …

Episode 173 Milind Mehere from YieldStreet

November 29th, 2018

38:20

Every week the show host John Siracusa talks with amazing fintech leaders and entrepreneurs, through conversation uncovers the amazing stories behind them, their creations and the most important topics in fintech.You …

Episode 172 Jared Hecht from Fundera

November 27th, 2018

30:25

Every week the show host John Siracusa talks with amazing fintech leaders and entrepreneurs, through conversation uncovers the amazing stories behind them, their creations and the most important topics in fintech.

 

You …

Episode 171 Atish Davda from EquityZen

November 20th, 2018

35:19

Every week the show host John Siracusa talks with amazing fintech leaders and entrepreneurs, through conversation uncovers the amazing stories behind them, their creations and the most important topics in fintech.

You …

Episode 170 Luvleen Sidhu from BankMobile

November 15th, 2018

22:02

Every week the show host John Siracusa talks with amazing fintech leaders and entrepreneurs, through conversation uncovers the amazing stories behind them, their creations and the most important topics in fintech.

You …

Episode 169 Chris Britt from Chime

November 12th, 2018

36:56

Every week the show host John Siracusa talks with amazing fintech leaders and entrepreneurs, through conversation uncovers the amazing stories behind them, their creations and the most important topics in fintech.

You …

Episode 168 Ali Hamed from CoVenture

November 8th, 2018

22:43

Every week the show host John Siracusa talks with amazing fintech leaders and entrepreneurs, through conversation uncovers the amazing stories behind them, their creations and the most important topics in fintech.

 

You …

Episode 167 Stuart Sopp from Current

November 6th, 2018

31:34

Every week the show host John Siracusa talks with amazing fintech leaders and entrepreneurs, through conversation uncovers the amazing stories behind them, their creations and the most important topics in fintech.

You …

Episode 166 Sohail Prasad from Equidate

November 1st, 2018

14:37

Every week the show host John Siracusa talks with amazing fintech leaders and entrepreneurs, through conversation uncovers the amazing stories behind them, their creations and the most important topics in fintech.

 

You …

Episode 165 Dan Vene from iCapital Network

October 30th, 2018

25:32

Every week the show host John Siracusa talks with amazing fintech leaders and entrepreneurs, through conversation uncovers the amazing stories behind them, their creations and the most important topics in fintech. 

You …

Episode 164 Emily Steele from Temenos

October 25th, 2018

17:32

Every week the show host John Siracusa talks with amazing fintech leaders and entrepreneurs, through conversation uncovers the amazing stories behind them, their creations and the most important topics in fintech.

 

You …

Episode 163 Bill Capuzzi from Apex Clearing

October 23rd, 2018

20:23

Every week the show host John Siracusa talks with amazing fintech leaders and entrepreneurs, through conversation uncovers the amazing stories behind them, their creations and the most important topics in fintech.

 

You …

Episode 162 Dee Choubey from MoneyLion

October 18th, 2018

24:50

Every week the show host John Siracusa talks with amazing fintech leaders and entrepreneurs, through conversation uncovers the amazing stories behind them, their creations and the most important topics in fintech.

You …

Episode 161 Phill Rosen from Even Financial

October 16th, 2018

28:45

Every week the show host John Siracusa talks with amazing fintech leaders and entrepreneurs, through conversation uncovers the amazing stories behind them, their creations and the most important topics in fintech.

 

You …

Episode 160 Brett Crosby from PeerStreet & co-founder Google Analytics

October 11th, 2018

53:22

Every week the show host John Siracusa talks with amazing fintech leaders and entrepreneurs, through conversation uncovers the amazing stories behind them, their creations and the most important topics in fintech.

 

You …

Episode 159 Interviews during Boston Fintech Week (final group)

October 9th, 2018

37:36

Every week the show host John Siracusa talks with amazing fintech leaders and entrepreneurs, through conversation uncovers the amazing stories behind them, their creations and the most important topics in fintech.

You …

Episode 158 Interviews during Boston Fintech Week

October 4th, 2018

36:42

Every week the show host John Siracusa talks with amazing fintech leaders and entrepreneurs, through conversation uncovers the amazing stories behind them, their creations and the most important topics in fintech.

You …

Episode 157 Fawce from Quantopian during Boston Fintech Week

October 2nd, 2018

36:36

Every week the show host John Siracusa talks with amazing fintech leaders and entrepreneurs, through conversation uncovers the amazing stories behind them, their creations and the most important topics in fintech.

You …

Episode 156 Mike Massaro from Flywire during Boston Fintech Week

September 27th, 2018

26:30

Every week the show host John Siracusa talks with amazing fintech leaders and entrepreneurs through conversation uncovers the amazing stories behind them, their creations and the most important topics in fintech.

You …

Episode 155 Mazy Dar from Openfin

September 25th, 2018

31:10

Every week the show host John Siracusa talks with amazing fintech leaders and entrepreneurs through conversation uncovers the amazing stories behind them, their creations and the most important topics in fintech.

You …

Episode 154 James Waldinger from Artivest

September 20th, 2018

33:31

Every week the show host John Siracusa talks with amazing fintech leaders and entrepreneurs through conversation uncovers the amazing stories behind them, their creations and the most important topics in fintech.

You …

Episode 153 Dhruv Bansal from Unchained Capital

September 18th, 2018

41:52

Every week the show host John Siracusa talks with amazing fintech leaders and entrepreneurs through conversation uncovers the amazing stories behind them, their creations and the most important topics in fintech.

You …

Episode 152 Will Rhind from GraniteShares

September 13th, 2018

22:14

Every week the show host John Siracusa talks with amazing fintech leaders and entrepreneurs through conversation uncovers the amazing stories behind them, their creations and the most important topics in fintech.

You …

Episode 151 Women in fintech

September 11th, 2018

45:03

Every week the show host John Siracusa talks with amazing fintech leaders and entrepreneurs through conversation uncovers the amazing stories behind them, their creations and the most important topics in fintech.

You …

Episode 150 Eric Wilson from Better Mortgage

September 6th, 2018

27:54

Every week the show host John Siracusa talks with amazing fintech leaders and entrepreneurs through conversation uncovers the amazing stories behind them and their creations.

You can Subscribe to this podcast and stay …

Episode 149 Aaron Schumm from Vestwell

September 4th, 2018

28:16

Every week the show host John Siracusa talks with amazing fintech leaders and entrepreneurs through conversation, through which uncovers the amazing stories behind them and their creations.

You can Subscribe to this …

Episode 147 Nathan Richardson from TradeIt

August 27th, 2018

30:12

In this episode the host, John Siracusa has an in depth conversation with Nathan Richardson Co-Founder & CEO at TradeIt.  Nathan shared some amazing stories about selling his company to Yahoo in 1999 for …

Episode 146 Mike Kane from Hydrogen

August 23rd, 2018

30:18

Welcome to the first Thursday morning episode!  

In this episode the host, John Siracusa chats with Mike Kane, Co Founder of Hydrogen.  

 

They talk about why Mike created Hydrogen in the first place and the journey …

Episode 145 Recorded live from In|Vest 2018 (Final)

August 21st, 2018

41:32

The host John Siracusa recorded live onsite at In|Vest 2018 in NYC where he interviewed many of the key speakers at the event when they were off the stage, providing insight into the person behind the presentation. …

Episode 144 Recorded live from In|Vest 2018 (2 of 3)

August 14th, 2018

55:12

The host John Siracusa recorded live onsite at In|Vest 2018 in NYC where he interviewed many of the key speakers at the event when they were off the stage, providing insight into the person behind the presentation. …

Episode 143 Recorded live from In|Vest 2018

August 7th, 2018

32:19

The host John Siracusa recorded live onsite at In|Vest 2018 in NYC where he interviewed many of the key speakers at the event when they were off the stage, providing insight into the person behind the presentation.  

Episode 142 Catherine Flax CEO of Pefin

July 31st, 2018

23:39

In this episode the host, John Siracusa chats with Catherine Flax, CEO of Pefin (AI financial advisor).  

During their talk Catherine shares a few nuggets, the story behind Pefin and the reason for it’s creation.   The …

Episode 141 Affordable financial data to unleash innovation

July 24th, 2018

22:30

In this episode the host John Siracusa chats with Rachel Carpenter, Founder & CEO, Intrinio.  During their interview they discuss how accessible …

Episode 140 Steve Allocca with LendingClub

July 17th, 2018

24:56

In this episode the host John Siracusa chats with Steve Allocca, President of LendingClub.  During their interview they talk about how and why LendingClub started in the first place and the story behind it all.  They …

Episode 139 Collective ownership of code - open source and open standards in banking

July 10th, 2018

35:50

Can open source code work in banking?  Imagine the power of collective learning if an organization could develop the ecosystem to make it all work. 

Episode 138 Predictive analytics and data to fund and price small business lending

June 29th, 2018

24:02

Funding and pricing small business loans is currently a very tedious and manual process for legacy lenders and cost lenders with large portfolios …

Episode 137 Faster underwriting for small business lending with Kabbage, Inc

June 26th, 2018

12:54

Small business lending takes a very long time for traditional lenders, but it doesn't have to.  As technology and data streams improve so can the …

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