https://helloclever.co/Caroline Tran, Co-Founder, hello clever Key messages:Payments as an engine for growth (for merchants) because they can add loyalty and instant cash back - this is the best use case for RTP (using NPP in Australia)Caroline's fundraising journey was very hard, with lots of calls. But persistence paid off and she has received investment from US VCs - and is herself now part of the San Francisco Angel NetworkCaroline’s background is accountancy and sales; she’s worked for well-known brands such as James Hardie, WPP, and IPG Media – in 2021, Caroline co-founded Hello Clever, which she describes as ‘The World’s Leading AI-powered payment solution that seamlessly integrates Loyalty, RTP (real time payments) and Intelligent Insights’. Caroline is also an investor in other startups, including Open Ai. In this episode we discuss:1. What led you to create hello clever? 2. What problem are you solving? 3. How does the platform work? How is Ai used?4. How should fintechs/banks think about ‘Ai in banking’?5. Describe a user journey 6. Who are your customers?7. What’s your business model? Where do you make money8. High growth? How?9. Team size? What funding have you received?10. Future plans? New products, new markets?   

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