In today's episode, Ryan Zauk sits down with Hanif Joshaghani, Co-Founder & CEO of Symend. Symend is a Calgary-based FinTech helping transform the impersonal, outdated, and inefficient problem of debt collections across the world.  Symend's digital engagement platform combines behavioral science, AI and machine learning to provide a simple, personalized experience that empowers customers to take desired actions while improving outcomes and collector KPIs. Demand has only increased during COVID, where Symend has helped numerous companies personally engage each customer depending on his or her unique situation. Hanif shares how his own experiences as a child inspired him to create Symend, how the product works, how he spotted COVID back in January, and how he raised $52 million virtually. Hanif is serieal entrepreneur who is passionate about building high performing teams that deliver results for clients. Hanif's background includes 15 years of senior roles in capital markets, energy finance, business development and entrepreneurship in a broad range of industries including investment banking, energy and technology. He has raised about $100MM across the four companies he has founded with several exits to date. Hanif is also passionate about helping other entrepreneurs and is an active angel investor in several technologies companies. Hanif received his BA in Economics from UChicago and an MBA from the University of Toronto - Rotman School of Management. For more insights and analysis from FinTech leaders, follow us below: Medium: https://medium.com/wharton-fintech WFT Twitter: https://twitter.com/whartonfintech Ryan's Twitter: https://twitter.com/RyanZauk LinkedIn: https://www.linkedin.com/company/wharton-fintech-club/