Today’s episode features Caroline Tran, Co-founder and CEO of Hello Clever. Caroline’s journey is as unlikely as it is inspiring. From working in media to building one of Australia’s most ambitious fintech startups, she’s turned a simple belief, people should be clever with their money, into a global payments platform. Hello Clever now offers merchants real-time settlement, cashback-driven loyalty, and AI-powered insights across more than 20 markets.

Today, we’re discussing…

How Caroline turned a consumer app into a global payment companyThe lessons (and costs) of being a first mover in a new industryWhy real-time payments matter for merchants’ cash flow and customer experienceHow cashback campaigns can replace discounts and drive loyaltyThe psychology behind cashback vs discountingHow SMEs can plug in Hello Clever with minimal effortRaising $4.5m in seed funding to build compliance and global expansionWhy large merchants are slower to adopt real-time payments and what change management is neededExpansion into Japan and the US, and how they’re navigating local banking systemsThe risks of fraud, scams, and returns in real-time payments: and how Hello Clever handles themCaroline’s view on Gen Z’s hunger for instant gratification and how cashback feeds itConnect with Caroline

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Episode ID: 1000723338152

GUID: Buzzsprout-17713801

Release Date: 25/08/2025, 00:30:00