Founder & CEO Cobraste: fintech for LATAM to empower the financially underserved. Previously Instant (@beingInstant), TIO Networks (@paypal) & Santra (@HP)
San Juan PR & Vancouver BC
Joined March 2009
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🚀 We just launched the world’s first Artificial Financial Intelligence (AFI) agent: Tío Juan.
A friendly digital mentor helping workers take control of their money with personalized guidance & inline culturally relevant education
cobraste.com/post/worlds-fir…
#FutureOfWork #AI
The Tipping Point: How We’re Undermining Workers
linkedin.com/pulse/tipping-p…
The pace of AI evolution is exponential and that growth is difficult for most to comprehend. This isn’t NFTs…
Industrial Revolution, Personal Computer, Internet, Mobile, now AI.
The next cohort of global leaders are being incubated right now.
1/2
0% interest rates are gone & won’t be back anytime soon. As a result, the tourist capital that flooded into the tech market, because we provided a competitive asset class, is also gone. We won’t see the insane access to capital of 2020/2021 anytime soon.
Good!
Calendar filled up fast for #WEF23 Davos next week but if you’re there and interested in talking #fintech, #financialinclusion, #socialimpact hit me up or DM and we’ll find some time.
#davos2023
Fintech valuations taking a beating; crypto melting w/o governance and controls. Horror stories everywhere in tech
What’s an entrepreneur to do?
Publicly state the my next startup will ABSOLUTELY BE FINTECH. More information soon; stay tuned.
#neverScared #founderMentality
Hey @Tesla, Jonathan Noble in the service department in Alpharetta represents exactly what every proud Tesla driver and/or shareholder wants the brand to be!
Congratulations to Sir @richardbranson and the entire @virgingalactic team! WOW. Shout out to the broadcast team that masterfully shared such a special experience with the rest of us!
Looks to me like retail got clever, figured out how to attack the shorts and potentially has cracked the code. there’s some credit due there!
“If you can’t fly then run, if you can’t run then walk, if you can’t walk then crawl, but whatever you do you have to keep moving forward.” MLK. #alwaysforward #noexcuses
To all those that have or do serve: we take pause today, as we should everyday, to appreciate the few that bravely sacrifice all, to protect the liberties of the many.
#realheroes #alwaysgrateful
As the pioneer of no fee earnings access @beinginstant is delighted to be highlighted on @CBinsights Top Fintech Companies of 2020. Congratulations to all the Instanteers that work so hard to service our Customers with the right earned wage access solution cbinsights.com/research/repo…
The resilience, creativity, and care of the #hospitalityindustry never stops amazing me - these are America's real #entrepreneurs! Here is @5280Marna from @CheckersRallys speaking to @NRNonline about critical workforce benefits & inclusion. nrn.com/workforce/checker-s-…
We can not progress without first accepting the oneness of humanity. Anything that pushes to divide us is hate at its core.
Walk into the kitchen to grab some coffee, my 9 year old sitting at his computer asks, “Dad how can I create holograms out of everyone on @zoom_us?” Why do you want to do that? “So my classes are more like when we go to school.” #Covid19 will drive our youth to innovate!
Instant pay is proving to be a critical benefit for some frontline workers during COVID19. Thank you @Visa for your continued partnership! So proud of the team at @beinginstant and their pioneering work to provide fee free access to earnings. #therightway
Real-time payroll for frontline workers. @karenmpd's interview with @Visa Direct's Cecilia Frew pymnts.com/visa/2020/visa-wh…
Thank you for taking to the time to talk about the need to provide hard working employees instant & fee free access to their earnings @payments_source & @johnhadams. The team at @beinginstant is honored to be of service to our Customers & their employees during these trying times
. @tipalti and @beinginstant expect greater demand for real-time payroll during the #coronavirus crisis trib.al/jT4aESA