Author Archives: Carol Realini

About Carol Realini

Serial Entrepreneur, Mobile Payments and Banking Pioneer, Author, Board Member Carol Realini is a successful Silicon Valley executive and expert in financial service innovation. She has worked with leading financial institutions including MasterCard and Citi, as well as numerous multinational and regional banks, to change the way banking is conducted. In 2011, as a Technology Pioneer attending the World Economic Forum, she led discussions on alternative banking at their meeting in Davos. A serial entrepreneur, she has been recognized as one of the 50 Top Women in Technology by Corporate Board Member magazine. Carol is a huge believer in the potential of mobile banking and payments to create financial inclusion - where everyone with a mobile phone has access to affordable financial services that empower their life and work. To understand Carol's vision please watch the WEF video (click on the weforum.org link below). Carol also mentors entrepreneurs providing wisdom and lessons learned from her four successful startup experiences.

Searching for Global Financial Inclusion Pioneers

My co-author, Karl Mehta and I have both been working for years in the exciting field of mobile financial services. Reflecting on what has already happened, one can see the world reshaping. And yet, it is only the beginning. But … Continue reading

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Men should join Vivek Wadhwa’s call for Women on Twitter’s board

Women in technology have been second class citizens for too long – get any group of women in tech together and listen to their stories. Most do well despite the gender biases  – but biases are real and substantive obstacles … Continue reading

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Why Bank Redundancy is Challenging but Essential to Payment Companies

Banks provide underlying infrastructure to payment companies including trust accounts, prepaid services, bank transfers, card acquiring, connections to networks. Although essential relationships, they can also be challenging to develop.   One reason it is challenging to establish these relationships is … Continue reading

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Will Innovators switch from Dollars to Bitcoins?

For the last 50 years the United States has been a global leader in technology, Internet commerce, Social networking, and Retail. Yet in banking we frequently see innovation happening first in Asia and Africa.  Get any group of US payment … Continue reading

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Graduates – Embrace Change, Dream Big, Innovate!

This is a copy of my commencement speech to the Computer Science graduating class in 2012. Still true in 2013. —————- I am honored to address the graduates, family members, faculty, and friends of San Jose State University, Computer Science. To … Continue reading

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Why Bitcoin Will Change the World

What do you think of Bitcoin?” is a question I get asked a LOT lately. As recently as this morning, on a call about a totally different topic, the conversation led to a discussion on Virtual Currency, which brought up … Continue reading

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Male-dominated Mobile World Congress is Missing a Great Business Opportunity – Women

When you look at the sea of people at Mobile World Congress – it is mostly men with a few scattered women in the crowd.  So it is not surprising that this male dominated industry is missing out on a … Continue reading

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Interview with Mobile Money Pioneer Jojo Malolos

The potential of mobile phones to bring banking services to the traditionally underserved is now becoming better understood by many. Financial Inclusion at the bottom of the pyramid is a topic for many – including luminaries like Bill Gates, Pierre Omidyar, … Continue reading

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My letter to Jamie Dimon

In November of last year a group of payment innovators from Silicon Valley (including me) had lunch with Jamie Dimon, CEO of JPMC. After meeting Jamie, I wrote him a letter with an idea for how JPMC can help improve … Continue reading

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Africa Needs One Million Super Managers

Posted in Africa, Entrepreneurship, Leadership and Management, Mobile Money, Women, World Economic Forum | Tagged , , , , , , , , , | Leave a comment