Cracking the Culture Code: Building a Fintech for Japan’s Forgotten Savers

Cracking the Culture Code: Building a Fintech for Japan’s Forgotten Savers

What does it take to build a digital finance brand in one of the world’s most tradition-bound markets? Samantha Ghiotti, CEO and Co-Founder of Habitto, shares how her team broke through the cultural, regulatory, and behavioral barriers in Japan’s financial system. From rewriting the playbook on savings behavior to navigating licensing without a local co-founder, this is a masterclass in building trust, decoding nuance, and designing finance that truly fits.


Guest: Samantha Ghiotti, Founder and CEO, Habitto


Host: Matteo Rizzi, Investor, Author, Co-founder, FTS Group

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Episoder(49)

Inclusive Payments, Human Rights, and the Future of Digital Public Infrastructure

Inclusive Payments, Human Rights, and the Future of Digital Public Infrastructure

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Why Africa Needs a Different Kind of Digital Bank

In this episode of CXO Conversations, host Matteo Rizzi sits down with Dr. Tarek Mougani, founder and CEO of Affinity Africa, Ghana’s first digital bank built specifically for the African mass market....

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Reframing Financial Inclusion: From Access to Financial Health

Reframing Financial Inclusion: From Access to Financial Health

At the 3iAfrica conference in Accra, Ghana, hosted by the Central Bank of Ghana and the Global Finance & Technology Network, host Pat Patel speaks with guest Tamara Cook about the evolution of financi...

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Diaspora Wealth, Fintech Access, and Rebuilding Trust in African Property Markets

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Unlocking Youth Employment Through Skills, Scale, and Systemic Change

Unlocking Youth Employment Through Skills, Scale, and Systemic Change

In this live conversation from the 3i Africa event in Accra, Ghana, host Matteo Rizzi speaks with Rosy Fynn, Country Director for Nigeria at the Mastercard Foundation. Rosy shares her career journey f...

9 Jun 27min

Building the Next Layer of Digital Finance Infrastructure

Building the Next Layer of Digital Finance Infrastructure

Gillian Darko, Group VP of Strategy at Yellow Card, joins host Matteo Rizzi in Accra during the 3i Africa event for a conversation on the evolution of financial infrastructure across emerging markets....

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Future of Learning, Talent, and AI Disruption in Africa

Future of Learning, Talent, and AI Disruption in Africa

Recorded live at the 3i Africa event in Accra, Ghana, this episode features host Matteo Rizzi in dialogue with entrepreneur Adewale Yusuf, founder of AltSchool. Adewale shares his journey from buildin...

9 Jun 21min

Beyond Financial Inclusion: Building Dignity Through Mobile Money

Beyond Financial Inclusion: Building Dignity Through Mobile Money

Recorded live at the CXO Conversations stage during the Inclusive FinTech Forum 2026, this deeply personal and partially French-language conversation featured Serigne Dioum in dialogue with fintech in...

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