Migration has been a feature of human history for as long as we’ve been able to track it, but payment methods have not kept up with the need for safe and efficient ways to send funds home to loved ones. On this episode of Money Travels, presented by Visa, host Indre Viskontas is joined by Breno Andrade, VP, Visa Direct Latin America and Caribbean, and Enrique Perezalonso, CEO and Co-Founder at Palla, a FinTech company that enables faster peer-to-peer payments. The trio discuss the unique needs of those who rely on remittances, and the complications that arise with cross-border money movement, including currency conversion and how remittance fees vary around the world. Plus, they’ll cover the latest innovations being developed to address these issues, making it more efficient and convenient to share the wealth. Hit play and enjoy this fascinating episode of Money Travels, brought to you by Visa.Follow UsWebsite https://www.visa.com/visadirectLinkedIn @Visa DirectPresented by Visahttps://usa.visa.comActual fund availability varies by receiving financial institution and region, receiving account type, and whether transaction is domestic or cross-border. Please refer to your Visa representative for more information on availability. Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance with any applicable laws and regulations. Twelve months 1 October 2021 – 30 September 2022. Visa Inc, Quarterly Results, Q4 2022 Transcript. This podcast contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 that relate to, among other things, our future operations, prospects, developments, strategies, business growth and financial outlook. Forward-looking statements generally are identified by words such as "believes," "estimates," "expects," "intends," "may," "projects," “could," "should," "will," "continue" and other similar expressions. All statements other than statements of historical fact could be forward-looking statements, which speak only as of the date they are made, are not guarantees of future performance and are subject to certain risks, uncertainties and other factors, many of which are beyond our control and are difficult to predict. We describe risks and uncertainties that could cause actual results to differ materially from those expressed in, or implied by, any of these forward-looking statements in our filings with the SEC. Except as required by law, we do not intend to update or revise any forward-looking statements as a result of new information, future events or otherwise. Visa Direct capability enabled through financial institution partner.Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa. The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of any entities they represent. Visa Direct product availability and functionality varies by market.