One of the big reasons I record this podcast every day is to try and feature as many voices and tech communities from around the world, NOT just silicon valley. So today, I am excited to take you on a trip to Bulgaria, where Hristo Borisov, Co-Founder & CEO of Payhawk, discusses how and why fragmentation in fintech is coming to an end. Payhawk is an all-in-one integrated finance platform for businesses, combining credit cards, payments, expenses, cash management and pre-accounting into one platform to give businesses maximum control and visibility over their spending. The company is London founded and headquartered, with Bulgarian roots, and recently raised $20m from Klarna's investors QED. Its customers include the likes of Zenloop, Nexo, and Telus. Due to Payhawk’s technology, the average finance team saves 2-3 days of work each month and broadly speaking, a customer with approximately 100 expenses per month can save an extra $3,540 per month on average when switching from manual processes to Payhawk. We discuss how Payhawk reimagines how payment works (by simplifying and automating processes and building an end-to-end experience). We also talk about how banks and fintechs could coexist in the future? (working together rather than against them).  Podcast Sponsor  Download Hirect, the free app is trusted by 10,000+ startups who chat directly with ideal candidates and accelerate their hiring process 10x faster than traditional ways.