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What Does 2023 Hint About 2024?

We’re using 2023 hindsight to predict the biggest trends in financial services for 2024.

For our first episode of Season 2, our Provenir hosts share their insights on the biggest lessons from 2023 and gaze into their crystal balls to forecast what 2024 might look like across the industry.

Listen in for the unique, on-the-ground perspectives from hosts Kathy Stares for North America, Bharath Vellore for APAC, and José Vargas for LatAm.

From digitization, to credit inclusion, to operationalizing technology – and, yes, AI – our leaders break down the nuances in their regions and the trends you can’t miss.

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Tune into our Podcast on Apple or Spotify by clicking the icons below.

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The Panelists:

Kathy Stares
Kathy Stares is the Executive Vice President of North America at Provenir, a global leader in AI-powered risk decisioning software. As a member of Provenir’s executive team, she is introducing creative account management approaches to support the company’s aggressive growth strategy.
Kathy brings more than 20 years of experience in fintech and has a deep knowledge and curiosity about risk decisioning innovation. She’s passionate about helping organizations leverage data and technology to build world-class experiences for their customers.
Prior to joining Provenir, Kathy was Chief Customer Officer at enStream, Canada’s provider of mobile verification services. Kathy received a Bachelor of Arts degree from the University of Toronto and attained the Women of Influence certificate. Kathy also volunteers for the Menttium organization.
Bharath Vellore
As General Manager of Asia-Pacific at Provenir, Bharath is spearheading the effort to expand Provenir’s presence in the region. He is driving the company’s strategy to quickly increase engagement with the growing number of fintechs and innovative banks seeking access to industry-leading data and AI-powered risk decisioning software for real-time credit decisioning. Vellore oversee all regional business operations including sales, pre-sales, professional services, and customer success.
Bharath brings more than 15 years of experience working with Financial Services driving revenue growth, regional expansion and business development. Prior to joining Provenir, Vellore held leadership positions at LexisNexis Risk Solutions and Dow Jones.
José Vargas
José Vargas is the executive vice president and general manager for Provenir Latin America. In this role, Vargas is responsible for leading Provenir’s ambitious expansion plans to triple its footprint in the region.
During his career, José has built and led successful sales, business development and consulting teams. He is passionate about financial inclusion, technology and inspiring a high-performance culture.
Prior to joining Provenir, Jose served in various leadership positions at FICO including Senior Business Consultant in Americas and Asia, Regional Senior Director in LAC, and Vice President & Managing Director for Western Europe & Israel. Prior to joining FICO, José spent five years in the financial services industry of Mexico and Latin-America working for Scotiabank and Citibank.

Kathy Stares
Kathy Stares is the Executive Vice President of North America at Provenir, a global leader in AI-powered risk decisioning software. As a member of Provenir’s executive team, she is introducing creative account management approaches to support the company’s aggressive growth strategy.
Kathy brings more than 20 years of experience in fintech and has a deep knowledge and curiosity about risk decisioning innovation. She’s passionate about helping organizations leverage data and technology to build world-class experiences for their customers.
Prior to joining Provenir, Kathy was Chief Customer Officer at enStream, Canada’s provider of mobile verification services. Kathy received a Bachelor of Arts degree from the University of Toronto and attained the Women of Influence certificate. Kathy also volunteers for the Menttium organization.
Bharath Vellore
As General Manager of Asia-Pacific at Provenir, Bharath is spearheading the effort to expand Provenir’s presence in the region. He is driving the company’s strategy to quickly increase engagement with the growing number of fintechs and innovative banks seeking access to industry-leading data and AI-powered risk decisioning software for real-time credit decisioning. Vellore oversee all regional business operations including sales, pre-sales, professional services, and customer success.
Bharath brings more than 15 years of experience working with Financial Services driving revenue growth, regional expansion and business development. Prior to joining Provenir, Vellore held leadership positions at LexisNexis Risk Solutions and Dow Jones.
José Vargas
José Vargas is the executive vice president and general manager for Provenir Latin America. In this role, Vargas is responsible for leading Provenir’s ambitious expansion plans to triple its footprint in the region.
During his career, José has built and led successful sales, business development and consulting teams. He is passionate about financial inclusion, technology and inspiring a high-performance culture.
Prior to joining Provenir, Jose served in various leadership positions at FICO including Senior Business Consultant in Americas and Asia, Regional Senior Director in LAC, and Vice President & Managing Director for Western Europe & Israel. Prior to joining FICO, José spent five years in the financial services industry of Mexico and Latin-America working for Scotiabank and Citibank.

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Widespread adoption of AI
Democratizing data
Digital payment evolution

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