
Loading summary
A
Competitors are Sofi and Robin Hood. You know, how do you differ from these mega platforms outside of just being, you know, Hispanic focused?
B
Yes. So number one, we can name six or seven right here in the U.S. but they all have one thing in common, is they don't speak the language, but more importantly, they don't speak the culture because it's not just welcome to.
A
Another episode of coffees.
B
Because it's not just about speaking Spanish to, to the Hispanic Latinos.
A
They could just like convert their app into Spanish.
B
Correct. Yeah. So it's a whole different, not only business acumen that you have to understand, but also there's the culture aspect of how do you approach them. And they all have different cultures. I, I'm from El Salvador, so my culture is very different from people that. From Mexico, from Colombians, Venezuelans. Right. Argentina's Peruvian. So it's. How do you, how are you able to talk to every single one, understanding not only their culture, but their challenges and what drove them to come here to the US and, and make a life here?
A
I feel like. Isn't El Salvador the biggest adopter of cryptocurrency in the world?
B
Yeah, so actually the number one. So you know, Bukele has made such a tremendous change in the last seven years in El Salvador. So he brought innovation and he's promoting a lot of technology which allowed us, when he took presidency, to go out and was one of my business partners, Ronnie, in my dream to go back to El Salvador and how do we give back to our country? How can we go back and create a company and bring in bright minds? Because there are a lot of intelligent kids over there and make them part of what we're building. Well, before then, the country was in complete, you know, destruction. There was a civil war, then there was the, the crime rate with the gangsters that were deported over there. But when he came up and cleaned the country, it was the opportunity. So we went over there, we created our headquarters. We got 22amazing kids that are designers, engineers, developers, and about seven others that specialize in digital content and marketing. So for us is a big fulfillment to have gone back and the government received us with open arms. And it was gave us a lot of credits and a lot of benefits to bring innovation and be able to help out a lot of families over there.
A
Now your story is very similar to mine. You're a third world immigrant. You came here at six years old. What do you remember most about that transition from third world country, El Salvador, to coming to America here?
B
It's Actually something that I'll never forget. Something very memorable. When I was in El Salvador, I remember seeing the box and it said Crayola. So it was a teacher that would come from the city into our town and she would uncover the blackboard and she had white chalk in that box. And that's where we knew we learned our ABCs, additions, multiplications, right. And our first words. First and second grade. When I arrived here to United States, it was quite the experience because when you walk into the classroom on the first day, and this is why I teach my nephews and nieces and every kid that I come across is, you can't take things for granted because they don't understand how lucky blessed we are here. I remember walking in and your name would be on a name tag on that desk. What I didn't understand is that desk belonged to me. It belonged to you. The next day that desk was there and everything you put in there was there. And opening the box of Crayolas, crayons, and that smell, I can never forget that smell. But it's the freedom of grabbing that and having endless white pieces of paper and you can draw all day if you wanted, knowing that that paper and those crayons were readily available for you. Right. Where things that in our country we couldn't. I don't remember ever having a journal or a Mead paper note and being able to write and draw as the privilege that we had here. So it's a big transition, a big change from enjoying something as simple as having your desk sitting down, being taught an amazing air conditioning classroom, and, and having all the tools for you to be creative.
A
It's crazy because so many people probably listening to this podcast don't even realize how blessed they are to just open up a box of crayons and Absolutely. Or, or have endless pieces of paper.
B
Yes, I know.
A
My kids for sure aren't that. They don't realize how much of a blessing that is true. You know, and actually it's my, my business partner who told me, you know, one of his favorite things was back to school, you know, going back to school and, and, and he mentioned that smell of crayons. You know, he also is a third world immigrant from Jordan. So it's, you know, it's those small things that are just so big, you know, those blessings are so big. You know, growing up here and you grew up probably poor, did you ever think you would become an entrepreneur, let alone start a company that's about to go ipo?
B
No. When you come from a third World, country. You're very limited when it comes to your mindset. Right. You, you're not raised with be all you can be or, you know, you can become anything you dream of. You don't hear those, those phrases in motivational words as you're a kid, right? It's always a lack of no, we don't have, we can't tough, toughen up. And so it's. It was never an idea or a dream. That sort of happened through the years as I was raised here in California.
A
So was that those kind of dreams happened like you, you went to high school, you joined the Air Force. Right. Now after you joined the Air Force, you started. You started to study computer programming.
B
Yeah. So actually that's what got me to join the Air Force. It was either college and learn how to go into the computer world and, and pay or join the military. At that time we had a good recruiter that came to Westminster High School and he sold me on the idea of why not join the Air Force where you can get trained in computer programming and you get paid. So I did that. It was very interesting. I like the camaraderie and, you know, all the leadership skills that we learned, but I never did much like taking or following instructions. So it was kind of like the, you know, show me the rules and bend them or break them. And that's what got me to eventually leave after I served my term and I was introduced into the mortgage industry back when everything was taken down on paper, you know, at 1003 bars or authorization and having to fax it over to a client or the nearest. I think it was Kinko's call back then and waiting 24 hours for them to send it back to you. Then you have to fax it to each credit bureau and then wait another, you know, day or two to get those credit reports and eventually be able to price. It was a lengthy process. The visionary at the time company was called Ditech Funding converted to ditech.com when the whole Internet.
A
You worked with them.
B
Yes. So it was interesting how we saw that his vision was to transform the entire industry from something analog to digital. So we started him and he was. Paul, read him, yes, Paul Radham, amazing guy, Canadian. And I learned a lot from him. Was a great mentor. And it was always no was never the right answer to him or I don't know. So we had to figure it out. Right. How do we all interconnect? So it was when Microsoft start come out with Outlook and the little clipboard chat guy and being Able to integrate with Equifax and TransUnion and I can't believe you, I can't remember the other company, TRW before it was called Experian said with modems and being able to connect and obtain a credit report and populate into the antiquated black and green software screens which was called DOS at the time. And that would be the new 1003. Right. The application. So everything went from like a 90 day process of buying a home down to a 45 day, eventually 30 days and eventually 21 days and same thing for refinance. So I got a lot of experience at that time, was fresh out of the military and everything was a challenge. But we were able to group a very neat team and accomplish a lot of those things.
A
Now, now it's making sense. You started in the financial sector with the computer programming background and then you're. That's where kind of like was that the motivation of starting Dinero because you had experience in the financial space and in the tech space concurrently.
B
I think that was the motivation on understanding the what technology was going to do in various industries. Right. And I knew that that's where I wanted to pursue and continue. When Paul sold to GMAC for millions of dollars, it was a sad day when he announced that. But at the same time, you know, it was great for us. We're understanding what the stock market did for many of these companies. The evaluations on, on financial companies yet alone if you had technology. And that's where the, the inspiration came as to like how do we go and create something where it's, it's a, it's a power play in financial and also in technology. From there we went on and I created a I patent the first application when mobile wallets were starting to become a thing. Mobile apps and being able to send digital gift cards to anyone, to your mom, your wife, your friends. So you send a quick note saying Happy birthday, here's $100.
A
That was your patent?
B
Yes. So the application was called Gift Sender and successful for about three years and then sold off to a company out of Australia which still runs under Gift Center. And and you know, I felt very lucky and very blessed because I remember talking to an entrepreneur and saying, you know, usually your first, second, third startup they fail. Like 90% of them fail. So how lucky. My team and I were blessed to be able to launch our first startup and be able to get acquired year three years later. We did regret it afterwards because you know, we sold about 8.75 million and the Company that we sold it to, flipped it and turned it and sold it for 38 million a year later.
A
So I mean, that's a brilliant concept. I can't believe you're the guy who started that company.
B
Yes, yes.
A
You know, because I've used that.
B
Oh, fantastic.
A
Now for me, I was always a big fan of Paul Readham. He was always like a mystical creature that I'd never have the opportunity to meet. And he was just the biggest titan in the industry at the time when I started the industry. So, you know, I would, I'm fortunate enough to meet with you and let me ask you, what's the greatest lesson that you learned from such a great.
B
Mentor from Paul is I remember that one time when I got interviewed by his right hand guy at the time was Vince Pizzoli and Scott Radham. And I walk into the floor, it was right down the street, right here on MacArthur and Main, 6th floor on the Wells Fargo building. And it had like 17 people working on cubicles, but they had the entire floor filled with like 300 something cubicles. And I said, wait, so how many employees do you have? So you're number 18. Why do you guys have like, you know, hundreds of cubicles here? I remember he grabbed me, he said, because you have to visualize, you have to get prepared for growth. And for me it was something a 22 year old kid and I'm thinking like this guy crazy, like how can you get cubicles, computers and you only have 18 employees. But all of a sudden he's thinking there's going to be hundreds of employees. Right. And sure enough, it was like nine months, 10 months later and that floor was filled, second floor got filled, third floor got filled. Before, you know, we had Ditech escrow and over 600 employees within three years. And so I'll never forget the visualization aspect of it. Right, right. It's like you got to see it in order to believe it, but you got to see it in your mind first. And for me, it, it was very impactful.
A
Wow. So the manifestation of that reality, he, he manifested Ditech being.
B
Exactly. Yes.
A
That's cool. That's cool. And you know, my mentor is similar to that. Now he, you know, he's, he's always just ready by design and always growing and, and I'm the same way. I, I dream really big and people think I'm crazy. But you got to start somewhere.
B
You know, it's the crazy ones that make things happen. It makes the world function.
A
Yes, exactly. Now when you ended up in the Mortgage space during your early tech wave. When did those, what, what did those years teach you about the power of blending finance and innovation?
B
You know, I learned early on that, you know, life, along with many aspects in life, they don't ever stay the same. There's always change. And you can try to stay where you're at, but you'll become antiquated. Right. Or you can always try to adapt and learn. Same thing as what's happening nowadays. Right. With AI, there's a lot of resistance. Right. But if you don't adapt, then eventually you're not going to be innovative. And at that time when fax machines were the thing, everyone thought, well, we'll just continue using fax machines. But along came a little company called Efax and that completely disrupted, disrupted the internal ones. I run a store called Fedco and my dad and I would go and he'd buy like the typewriters and then the mechanical typewriters and eventually a fax machine. Well, a few months later, there weren't any more fax machines. Why? Because EFAX was something. You can integrate it with your email and you get a virtual number and you'll be able to scan things through a scanner. So then the market change and what did we, what were we buying? Scanners. You were able to buy the HP scanners, the IBM scanners. And so understanding that when new things come, don't put resistances, be able to learn, be curious. And if you adapt, then that's where you, you'll stay. Always ahead and innovate it.
A
Yeah, I mean, like in my space, specifically, if you're not an early adopter, you're, you know, an on time adopter, you're already too late. And if you're a late adopter, you're out of business.
B
True.
A
So you got to be. And anyone listening to this podcast, my advice is just be an early adopter, try new things. Like for me, something comes out or I even hear about it, I'm on it. One of the things that I like to do is I'm on every single pilot of any of my partners. Partner, you know, any venture that I'm, or any investor or any partner of ours. Like I want to be on all their pilots. Just because I like to invoke that vision in the beginning, then it helps us with our pilots.
B
Absolutely.
A
And we're always in this like beta mode anyways at our organization. Now. What do most people get wrong about the Latino community when it comes to money, opportunity, and most importantly, tech adoption?
B
Yes. You know What I, it comes down to one word, ignored. And that's what I realized in, in various industries they just tend to get ignored. And that could be for various reasons. Right? It could be, you're judging the book by its cover from the beginning. You know, this person cuts yards for a living. He doesn't have any money. That person drives a truck and he goes out to Long beach port and delivers items to different places. He must not have big amount to be able to buy a home yet alone save. And I think that's where to get it wrong. It's. We're hard working people. Yeah. We're not. They may not be too savvy when it comes to well, how do you invest in the stock market? How do you buy crypto? How do you go and buy silver without obtaining the act? Silver in your hands or, or gold. Right. Or how do you invest in new startups? It's opportunities that us being Americanized through the years were able to learn. For example, you know, you and I, we've been blessed to surround ourselves in circle people that are very successful that we've had mentors in the course of our lives that have impacted us and have taught us different things. Not, not all Latinos and Hispanic have that opportunity. So I would say to every intrapreneur business owner brands is don't, don't ignore us. The collective power that we have, it's amazing. I mean if you look at the latest report From Mackenzie Deloitte, $4 trillion in GDP, that's the purchasing power that just here in the United States alone, Hispanics and Latinos have. And I did something very interesting. They came out of a report. The top 10 things that we Latinos and Hispanic consume. I don't remember all 10 of them, but the first three, it was liquor, which is alcohol. Right. Two were Pampers and three beauty products. So I always like to say as Latinos we, we love to drink.
A
Right.
B
We love to make babies. And three, we like to look, we love to look very good.
A
So I think all of those tie into each other. You get drunk, you have sex and then you, you gotta put on makeup to, to do it all over again to look good.
B
Yeah. Right. So yeah, that's interesting. Right. So we saw that report and it's like, huh. So it wasn't like, you know, you go out there and buy clothes or shoes. It was like the beer, the, the.
A
Pampers and beauty products and Pampers. They're the biggest consumers of Pampers. Exactly.
B
Yes.
A
That's funny. Now you've Talked a lot about making things simple. Credit, life insurance, investing, buying a home. Where do you start when you're educating someone brand new to this entire financial.
B
World, you know, as simple as opening up a checking account. And I believe that the resistance starts.
A
There because, yeah, a lot of Latinas I know don't even have that.
B
Exactly. And the. Making them understand that in order for you to be able to leave a legacy to your children, to your family, you have to come in and adapt yourself and integrate yourself into the system. Right? You can't argue and fight the system. You can put all the money you want underneath your mattress. It can catch on fire. You could lose it. Just. Just many things, right? But how do you leave what you created and what you work for so hard, such as a home? Right. If you can pay the mortgage off for 30 years, that's a success. But what happens when you're gone? Do you have something as simple as a living trust so that way the property doesn't get sold on probate. If you happen to get sick down the road and you made 18 years of mortgage payment, unfortunately, something happens and. And you're gone, you move on. Then who takes care of the mortgage then? So these are things that, when you look at different families that have adapted to themselves in the system, for them, it's like, well, I got life insurance that covers the mortgage in case something happens to me, so my wife and my children don't have to worry about. But most Hispanic and Latinos don't understand that. They think, I don't want to be thinking about dying right now, so why would I be wanting to get a life insurance? So they don't see this as an. As a life, a vehicle for investment, Right. They see it more as something detrimental, like, well, if I die. And I think that that's where professionals like us need to come in and provide that education and actually explain the benefits in. In a sense that they understand how they're protected, right? Rather than, no, it's not just when you die, it's how you're able to protect what you work for all these years. Right? There's a study that read, just last week I read, said 80% of homeowners, their children more than likely to go to college, Right? Because by the time they have equity in their home, when the child is ready to go to college, they can either get a second mortgage or get a line of credit. So that way they can help now their children fulfill their dreams, which is get a higher education for a better life. So, you know, and then also us kids, we're the mirror of our parents. So we see our parent working, having a home, putting money in savings or investing in the market. Well, you as a child are going to see that example and eventually be able to do that as you grow. So I think that's the, the hardest aspect is how do you teach them? And sometimes the best way to teach them is by creating something that's very, very neat and rewarding because there's a lot of companies out there and digital wallets that you can do pretty much everything that Dinero does. But what we've done is set up rewards and mechanisms that for every action and transaction that you do within Dinero and with our business partners, you do get rewarded.
A
Gamified it a little.
B
Exactly. Yes.
A
I see now what does with digital banking growing like insanely fast, it's the most rapidly growing sector right now. But the in person experience is really disappearing. How do you make sure your community isn't left behind in that shift? Because they don't really understand the digital movement. All they know is, is let me walk into bank of America, let me sit there for three hours. You know, that's why Bank America, I walk in there, it's like a line of Hispanics.
B
Yeah, it's true. That's absolutely true. It just comes down to creating good content. They can put out there in their language, in their culture to help them understand. But also, you know, there's that high tech and high touch aspect of things too, especially in digital banking. So what we have set up in El Salvador is a call center, customer support center, fully bilingual and they can reach out at any moment in case they need to figure something out. Right, Such as how do I add money to my bank account, what places can I go to? So the ability of what we've done lately is created partnerships where Hispanic and Latinos tend to go or tend to be already. So rather than partnering up with brick and mortar banks, is teaming up like Walmart, CVS, Walgreens, Rite Aids and 7 11s for example. And you can easily go pay a fee of 399 and load up to $1,000 a day and give it to hand, hand it over to the cash register and the money gets uploaded within, gets loaded up within a minute or two to your Dinero account. So therefore creating these brick and mortar stores that you're already shopping, you're already there. So minus well, you know what, I need to load $1,000 to my checking account at Dinero. And so being innovative and Finding those strategic partners that see the vision and are willing to create some sort of alliance so we can continue growing that, that market segment.
A
Now I am curious myself about the IPO process. You've been working on an ipo, what is that like taking a company public? What's that experience been like for you?
B
Oh, that's the stuff where creatives get stuck on. Right. And I don't like the paperwork in the meetings and, but what do you do is you surround yourself with people that do, people that know how to do it, people that do, they're more intelligent in that field and we're blessed to have met. Great attorney has taken a few companies public. He served with Arnold Schwarzenegger for about two terms when Arnold was governor here in California. And you know, he's, he's also Hispanic and he sits on different boards of different Hispanic owned foundations. So by doing all the legal paperwork and us providing the information that, that they need in order for us to have everything in filing with our financials, now it's about going after and doing our serious a. So what paperwork does the SEC require for us to do?
A
So what round are you guys on now?
B
We have, we're finishing our, our serious. I'm sorry, we're finishing our seed round. Yes. And then from there at the end. Yeah, we're at the end. Yeah. Raising our last 1.5 million from our 5 million race on seed round with friends and family. And then come March, April of next year, we will start doing our serious A round. That's about 60 to 70 million dollars because that's what it takes in order for us to go ahead and, and do an IPO towards the end of, of next year. And it's exciting, but like I said, it's, you gotta be able to surround yourself with people that know that they can do it and that we can continue focusing in what you're good at in the business.
A
Now one thing we've talked about a few times is legacy. Now you're building your legacy. And legacy is not just a business. Right. It's, it's more about, you know, leaving something that's long lasting, a lasting impression for the ages. What does that word legacy mean to you personally?
B
To me, there's just two important things, right. And legacies. Number one is setting that example that if an immigrant Hispanic kid from El Salvador came and was able to build something such as what we're building and surround ourselves with amazing people. So together we're able to build that and create it, then it sets the example that, hey, you can. That person can and follow those steps. And that we can serve as an inspiration in many other fields. It can be in the health sector, it can be in and just different industries, right? So making possible the ability for others to be able to follow. And two, most important for me is that fulfilling feeling I imagine sometimes, you know, talking about, you mentioned the word manifestation, right? And there's manifestation, but also imagine myself sometimes. You know, Charlie, when you're in your deathbed and you're taking that one last breath, is it when a question arise, did I fulfill my purpose? Do I leave a happy individual? You know, what do I leave behind? What difference have I made? And to me, those are the important questions. Not so much if you know that I leave my kids with cars and homes and material things and a nice bank account. It's more like, how much of an impact did you made? Not only your immediate family's life, but, you know, in the world. And whether it be your, your culture, whether it be the, your people from your race, or just everyone in general. And what I like about what we build in the company at Dinero is that everyone that have come and be part of the mission, that's the same mentality and the same mindset that they have, is when I ask every single team member, it's like, what made you come to Dinero? It's amazing how the same answer is because we want to be some part of something greater. You know, we have team members that have left government jobs, secure jobs. We're making $200,000 a year. And it was like, are you sure you want to come and join us at a startup? And, and you know, she's our chief compliance officer. She did forensic audit for the government, credible witnesses and different court cases. She's like, I gotta be something. I gotta be part of something greater, something better. And so that's, that's, to me, that's a blessing. And I think that that's what is most important for me and the people that have joined our team.
A
Couple last questions for you. This is a three pronged question. What's a personal goal that you have for yourself? A family goal that you have for your family and a goal that you have for Dinero.
B
So the first question was the personal goal. My personal goal is to fulfill all our goals that we're aiming for right now. Right. Mainly with Dinero. So then I go and fulfill that personal goal, which is when I was a kid, I grew up and I fell in love with the big ol VHS video recorders. And I wanted to be a movie director, so maybe I won't direct the movie, but definitely produce a movie. Yeah, I don't think I'll leave this earth without that. Personal goal.
A
Business school.
B
Business school is to grow Dinero not only as a company, but as a brand. Right. And yeah, just make a big impact on everyone and have Dinero be that company that is not only an example, but that's empowering Hispanic and Latinos now more than ever without getting too political. But I think right now, it's that moment where we need to take, whether it's a topic of adversity or obstacle or challenges or how, you know, we're seeing making that difference and making that change, that we are here to contribute, we are here to grow. We are here to offer amazing experiences in cultures and loving people where we welcome all ethnicities to be part of what we're building and most importantly, just, you know, be part of us. I think it's. It's something that we forget as, as humans. Is that collaboration with one another?
A
Yeah, yeah. And a family goal.
B
Family goal. That's a good one. You know, with family, I have amazing children and they, they're. They're my life. They're my reason why. I got a son, Jonathan, and two daughters, Angelica and Charlize, And I've had the privilege of enjoying their company for the last 10 years. They. They live with me. Even though I want to. I want them to go out and leave me alone. Sometimes they. They don't want to leave home. Right. So I'm blessed. I think if I have to say what a goal would be as far as a family goal is eventually marry that love of my life. You know, I've been single for about 10 years. I was divorced 10 years ago, and I like the whole family aspect, so I miss it. And I would want to make sure that, you know, when I do pass on, I. At least someone amazing behind.
A
I hope you hit your goals. One last question. When you're in front of the pearly gates, what do you think God's going to tell you?
B
He's gonna say, charlie, you did it.
A
Yeah, I love it. Charlie, you've been a blessing to have on this show. I hope every single one your goals. Hope Dinero just crushes it when it goes public. If people want to connect with you, how do they find you?
B
Yeah. Please follow us on our Instagram. I'm sure it's published in the podcast, right? Yeah, definitely follow us with the news and everything that's coming here within two months. We're having a big launch event that's going to be. Which you're going to be part of as well and love to have you. That launch event is going to happen here in December. And also we want to make sure that everybody knows everything that we're creating and building. So I think it's important that they stay tuned, follow us on social media. And, yeah, we're gonna do amazing things.
A
Charlie Oriano, you heard it first. Make sure when that stock goes public, you grab yourself some. Thanks for tuning in, guys. God bless.
Episode Title: Building Fintech Wealth, Financial Inclusion & New American Dream
Guest: Carlos Orellana (Founder & CEO, Dinero)
Host: Joseph Shalaby
Release Date: December 26, 2025
In this engaging episode, Joseph Shalaby sits down with Carlos Orellana, an immigrant entrepreneur and CEO of the Latino-focused fintech startup, Dinero. Together, they explore Carlos’ journey from El Salvador to founding a fast-growing digital bank, the nuances of serving Hispanic communities within fintech, the interconnection of legacy, technology, and leadership, and Carlos’ vision for financial inclusion and wealth-building in America. The conversation is rich with personal anecdotes, leadership advice, and practical reflections about fintech innovation and the entrepreneurial path.
Differentiation from Mainstream Platforms
“They all have one thing in common, is they don't speak the language, but more importantly, they don't speak the culture…” (00:12)
Tailoring to Cultural Realities
Childhood in El Salvador & American Transition
“Opening the box of Crayolas, crayons, and that smell, I can never forget that smell. But it’s the freedom…” (03:39)
Early Limitations and Expanding Mindset
"You're not raised with be all you can be...it was never an idea or a dream." (05:16)
Air Force and Computer Science
Mortgage Industry and Innovation
“You have to visualize, you have to get prepared for growth...” (12:04)
First Startup Success and Lessons Learned
Systemic Oversight of Hispanic Communities
"We love to drink, we love to make babies, and we love to look very good." (18:20)
Building Financial Literacy from the Ground Up
Combatting Digital Hesitancy
Gamifying Financial Progress
“What we've done is set up rewards and mechanisms...you do get rewarded.” (22:32)
Manifestation and Big Thinking
Adapting to Change
Steps to Going Public
Dinero’s Funding Journey
Defining Legacy
“How much of an impact did you made? Not only your immediate family's life, but, you know, in the world…” (27:34)
Personal, Family, and Business Goals
On Cultural Nuance in Fintech (00:12):
"They don't speak the culture...it's not just about speaking Spanish. It's also, how do you approach them?" —Carlos Orellana
On Gratitude and Upbringing (03:39):
"Opening the box of Crayolas…and having endless white pieces of paper…things that in our country we couldn't." —Carlos Orellana
On Adapting and Innovating (13:31):
"If you don't adapt, then eventually you're not going to be innovative." —Carlos Orellana
On Latino Consumer Power (17:04):
"Don't ignore us. The collective power that we have, it's amazing...$4 trillion in GDP." —Carlos Orellana
On Gamifying Banking (22:34):
"What we've done is set up rewards and mechanisms...for every action and transaction that you do within Dinero...you do get rewarded." —Carlos Orellana
On Visualizing Success and Teamwork (12:04):
“You have to visualize, you have to get prepared for growth.” —Carlos Orellana (recalling Paul Radham’s mentorship)
On Legacy (27:34):
"How much of an impact did you made? Not only your immediate family's life, but, you know, in the world..." —Carlos Orellana
This episode is an inspiring exploration of the immigrant entrepreneurial journey, the transformative power of technology in finance, and the importance of authentic cultural engagement in building products for under-served communities. Carlos Orellana’s story embodies the new American dream—one that merges legacy, leadership, and innovation to drive meaningful change.
Connect with Carlos and Dinero:
Host Closing Note:
“Charlie Oriano, you heard it first. Make sure when that stock goes public, you grab yourself some.” (33:50)