Episode: The Power of Open Banking in Today’s Economy
Guest: Peter Maher — CEO of Ovanti USA & Founder of Flote

In this episode, I sit down with Peter Maher to break down one of the most impactful shifts happening in today’s financial landscape: open banking—and how it’s completely reshaping the way lenders understand financial health.

Peter leads Ovanti’s U.S. division and is the founder of Flote, the company’s U.S. rebrand that focuses on using real-time cashflow instead of outdated credit scores to evaluate financial wellbeing. The result? More accurate decisioning and far better access for consumers who've traditionally been boxed out by old credit systems.

We dig into:

• Why credit scores no longer tell the full story

• How open banking gives lenders real-time insight

• The evolution from Ovanti to Flote for U.S. expansion

• How Flote plans to disrupt payday lending and lease-to-own models

• Why financial innovation should protect—not exploit—consumers

• What the future of financial accessibility looks like in an open-banking world

Key Takeaways

• Open banking provides a clearer picture of financial health.

• Ovanti’s U.S. rollout is operating under the new brand: Flote.

• Flote uses cashflow-based underwriting rather than credit scores.

• Legacy credit systems are restrictive and often misleading.

• Open banking is gaining real traction in the U.S. economy.

• Flote’s mission revolves around transparency and consumer-first design.

Sound Bites

• “Open banking is the future of finance.”

• “Credit scores don’t define financial health.”

• “Financial innovation shouldn’t come at the cost of the consumer.”

• “Real-time cashflow tells the real story.”

• “Flote is redefining accessibility in modern finance.”

Chapters
00:00 – Meet Peter Maher & the origins of Ovanti
00:05 – What open banking really is
00:10 – The problem with traditional credit scoring
00:18 – The Flote approach: cashflow over credit
00:28 – Financial accessibility and the future of open banking

Connect with Peter

• Ovanti Global — https://www.ovanti.com/

• U.S. Leadership Bio — https://www.ovanti.com/ovanti-us-leadership

• Flote Partnerships — https://getflote.com/

• LinkedIn — https://www.linkedin.com/in/ptmaher/

• Partnerships Email — partnerships@ovanti.com

In this episode of Brick by Brick Wealth Building Conversations, I sit down with Hugh Massie — Founder & Executive Chairman of DNA Behavior International and Chairman of the Behavioral Economics Institute. Hugh has spent more than a decade helping leaders, investors, and organizations make better, faster financial decisions by understanding the behavioral patterns that drive money.

We get into how your hard-wired behavior shows up in your business, your investments, and your stress responses — and why “behavior makes money” isn’t a catchy phrase, it’s a real framework for reducing risk and improving performance.

We cover:

• How behavioral patterns directly influence financial outcomes

• What he learned transitioning from CPA to a leader in behavioral economics

• How AI is reshaping personalized financial insights

• Why leaders make predictable mistakes under stress

• How to align money decisions with natural behavioral strengths

• The mission behind Boys Without Fathers and what it’s taught him about identity, money, and leadership

Whether you're a lender, operator, or investor, this conversation will change how you think about risk, decision-making, and team dynamics.

DNA Behavior
https://dnabehavior.com

GoDNA.ai (app)
https://www.godna.ai

Behavioral Economics Institute
https://www.behavioraleconomics.com

Boys Without Fathers (nonprofit)
https://www.boyswithoutfathers.org

LinkedIn — Hugh Massie
https://www.linkedin.com/in/hughmassie/

YouTube — DNA Behavior
https://www.youtube.com/@dnabehavior

Podcast — The Behavioral Economics Podcast
https://open.spotify.com/show/4m023IsfGpY2ZnJSqEwOef

Guest Links & Resources

Dave Seymour—once a broke firefighter—rebuilt his life through real estate, becoming the star of A&E’s Flipping Boston and the founder of Freedom Venture Investments.

In this episode of Brick by Brick Wealth Building Conversations, Dave shares how he went from struggling to make ends meet to managing multimillion-dollar commercial and development deals. His mantra, “Educate, don’t speculate—then implement,” has guided his journey from crisis to credibility, and now he’s teaching others to do the same.

In this episode:

• The turning point that pushed Dave from broke to bold

• Lessons from the Fire Service: discipline, risk, and teamwork

• How education turns speculation into strategy

• Why Legacy Alliance and Freedom Venture focus on teaching action, not theory

About the Guest:
Dave Seymour is the Founder and CEO of Freedom Venture Investments and creator of Legacy Alliance, where he helps professionals master the path from active income to passive wealth. Featured on A&E, CBS, ABC, CNBC, and FOX News, Dave is also the author of Inflation Nation, a practical guide to beating inflation through real estate and private equity.

Guest Links:

• 📘 Inflation Nation — InflationNationBook.com

• 🎬 Inflation Nation Documentary — InflationNationMovie.com

• 🛒 Amazon — Paperback/Hardcover

• 🎓 Free Legacy Wealth Masterclass — LegacyWealthMasterclass.com

• 🌐 Main Hub — YourLegacyAlliance.com

• 💼 Freedom Venture — freedomventure.com

• 🧭 Ultimate Alternative Investment Guide — uaiguide.com

Connect with Dave:
LinkedIn | Instagram | X/Twitter | Facebook