326 episodes
323. The grown up side of crypto: how JP Morgan, Visa and Mastercard are using blockchain to reshape global finance
30/09/2026 | 30 mins.Crypto has grown up.
It's now no longer just about overnight millionaires and meme coins. It is now how the largest corporations do business.
JP Morgan has processed over $5 trillion through its blockchain division, even though Jamie Dimon famously hated crypto a decade ago. Visa, Mastercard, Fidelity and BNY Mellon are all in now too.
This episode is about the grown up side of crypto — where nobody goes to jail or becomes a millionaire overnight — and why it matters to you as a business leader even if you have no intention of buying a single coin.
Listen to learn:
Why JP Morgan, which famously hated crypto, now has three major blockchain divisions handling over $5 trillion in transactions
The difference between the silly end of crypto and the serious end — and why the serious end is reshaping global finance
What tokenisation actually means in plain English — and why major asset managers are paying attention
How corporates are using blockchain to make international payments faster, cheaper and more reliable
What size of company should be thinking about this — and the specific use cases worth exploring now
This episode is for you if:
You are a business leader who wants to understand what crypto actually means for your industry — beyond the headlines
You work in finance, treasury or payments and want to understand what is coming
You are a founder or investor who wants to know where the serious institutional money is going
Vanessa's book: Digital Assets and Crypto for Investors — available now from Wiley
Free masterclass — 12 October: Smart, skilled and invisible: how to get seen by the people who decide your career.
Timestamps:
00:00 – JP Morgan's $5 trillion crypto blockchain business
01:26 – Free class: how to get seen in your career
03:33 – Meet Vanessa Grellet, crypto and blockchain expert
05:08 – Why JP Morgan built its own crypto coin
09:10 – Do companies like Coca-Cola use blockchain too?
10:49 – Public vs. private blockchain networks explained
13:13 – What is the Melania meme coin, really?
16:02 – How companies custody digital assets and crypto
17:05 – How gold gets tokenized on the blockchain
22:29 – Is crypto right for your company's size?
25:53 – Real use cases: crypto for global payroll and payments
29:29 – Vanessa's new book on crypto investing
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Transcript: https://www.techfornontechies.co/blog/323-the-grown-up-side-of-crypto-how-JP-Morgan-Visa-and-Mastercard-are-using-blockchain-to-reshape-global-finance322. How much does it cost to build an app? And other questions non-technical founders are afraid to ask
23/09/2026 | 36 mins.How much does it cost to build an app?
Is my agency ripping me off?
How do I know if what they built is any good?
Am I being too demanding — or not demanding enough?
Every non-technical founder is terrified when they start working with developers. If you don't have a background in tech, you don't know what you don't know and asking AI can spin you down a rabbit hole.
My guest this week has spent years on the other side of that conversation.
He knows what founders get wrong, what agencies hide, and what it actually costs to build a product.
Vuk Nikolic leads Hurricane Studio — a development team that specialises in working with non-technical founders.
Hurricane Studio is also the first ever sponsor of this podcast!
In the intro I explain exactly how we vetted them — because the process gives you a glimpse of how to choose a development partner yourself.
Listen to learn:
How much it actually costs to build an MVP — with real budget brackets for three different types of product
The single biggest red flag when evaluating a development agency
How to tell if your Lovable or no-code prototype is ready for real users
Why most projects fail because of communication, not technology — and the specific questions to ask before you sign anything
This episode is for you if:
You are a non-technical founder who is about to hire developers for the first time
You already have a development partner and want to know if they are the right one
You have built something with a no-code tool and want to know what to do next
FREE GUIDE for non-technical founders: Hurricane Studio's Storm Survival guide
Book a call with Hurricane to discuss how to build your venture: https://hurricane.studio/
Timestamps:
00:00 – The most expensive mistake in hiring developers
00:20 – Introducing Hurricane Studios, first podcast sponsor
03:56 – How to spot red flags in your development team
06:47 – Signs your outsourced developers aren't being honest
10:34 – How to track progress when you can't read code
13:55 – Understanding feature trade-offs with developers
16:28 – How much it costs to build an MVP
19:48 – Why MVP launch dates always slip
22:27 – How to reduce your development budget
27:29 – Case study: taking a Lovable prototype to production
32:46 – The #1 sign of a trustworthy development partner
Follow and Review:
We'd love for you to follow us if you haven't yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We'd love it even more if you could drop an honest review on Apple Podcasts. Simply select "Ratings and Reviews" and "Write a Review" then a quick line with your favorite part of the episode. It only takes a second and it helps spread the word about the podcast.
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Transcript: https://www.techfornontechies.co/blog/322-how-much-does-it-cost-to-build-an-app-and-other-questions-non-technical-founders-are-afraid-to-ask- Contrast two AI projects.
One cost $600,000 to build, $500,000 per year to maintain and was shut down as functionally unusable.
The other cut energy waste, reduced equipment damage, and returned 35.8% on investment.
Same tech. Different outcomes.
The difference had nothing to do with the AI — and everything with how the project was set up and managed.
In this episode:
The New York City AI chatbot that confidently told people to break the law
The Korean steel plant that used AI to solve one specific measurable problem — and returned 35.8% on its investment
The five reasons AI transformations fail and how to avoid every one of them
Why AI is execution and product thinking is judgment — and why you cannot out-execute a wrong decision
This episode is for you if:
You are a business or political leader with an AI budget and want to make sure it is not wasted
You are a corporate innovator trying to make the case for an AI initiative internally
You want a clear framework for evaluating AI projects before you commit to them
Timestamps:
00:00 – The $600K AI chatbot that failed vs. the AI that worked
02:11 – NYC's government AI chatbot disaster
07:01 – Korean steel company's successful AI project
09:23 – Why the steel company's AI project succeeded
10:45 – Why 80% of enterprise AI projects fail (RAND research)
11:45 – 5 reasons AI transformation projects fail
14:06 – 2 solutions to fix failing AI initiatives
15:12 – Why product thinking matters more than AI technology
Follow and Review:
We'd love for you to follow us if you haven't yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We'd love it even more if you could drop an honest review on Apple Podcasts. Simply select "Ratings and Reviews" and "Write a Review" then a quick line with your favorite part of the episode. It only takes a second and it helps spread the word about the podcast.
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Transcript: https://www.techfornontechies.co/blog/321-why-80-of-ai-projects-fail-and-it-s-not-the-ai-s-fault-2 - Tope Awotona had no co-founder, no coding ability, and three failed startups behind him. None of that stopped him — today, Calendly is worth $3 billion, used by over 20 million people in 230+ countries, and adopted by 86% of the Fortune 500.
In this episode, I break down exactly how a non-technical founder built one of the most capital-efficient startup success stories of the last decade — and what you can actually steal from his playbook.
What you'll learn:
How he chose the idea that finally worked, after two failures
How he built a $3 billion company completely alone, with no co-founder, ever
How to tell if a development team actually believes in your product, not just your budget
How running out of money by accident became Calendly's biggest growth engine
Want to build a tech venture as a non-technical founder?
Our Non-Technical Founders' Product Accelerator program is for you.
People have used it to build apps and platforms, raise funding and completely change their careers.
Timestamps:
00:00 – How Calendly's founder ran out of money by accident
02:23 – Listener shoutout and podcast review
03:04 – Meet Tope Awotona, Calendly's non-technical founder
04:43 – Calendly's $3 billion growth story
07:05 – Why sales, not coding, built Calendly
09:21 – The 3 failed startups before Calendly
11:39 – Why Calendly had no technical co-founder
14:06 – Paying $200K to outsourced developers
16:29 – How Calendly went viral by accident
21:18 – Fundraising only after proving traction
25:26 – 6 lessons for non-technical founders
Follow and Review:
We'd love for you to follow us if you haven't yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We'd love it even more if you could drop an honest review on Apple Podcasts. Simply select "Ratings and Reviews" and "Write a Review" then a quick line with your favorite part of the episode. It only takes a second and it helps spread the word about the podcast.
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Transcript: https://www.techfornontechies.co/blog/320-calendly-the-$3bn-non-technical-founder-success-story - A financial analyst spots something wrong with a deal. He writes up his dissent.
But the AI disagreed. The investment committee spent 90 seconds discussing his objection, and went with the AI score.
A year later, the analyst stopped writing dissents entirely — what's the point?
This story is from finance. But the pattern is emerging everywhere — in law firms, in startups, in any organisation where AI is now in the room when decisions get made.
This episode is about what to do about it.
You will hear from Rana Gujral, the author of the AI Instinct: The Future of Humans and Machine Decision Making
Throughout his career, Rana has founded and exited a machine learning SaaS company, led major technology transformations, and built AI systems deployed across industries ranging from financial services to defence.
Listen to this episode to learn:
Why the biggest AI risk is not that it gets things wrong — it is that it gets things right in exactly the same way as everyone else
How to tell whether AI is augmenting your thinking or replacing it — and the two tests that reveal the difference
What happens to junior talent in law firms and startups when AI takes over the work that builds judgment
The one practical step you can take this week to make sure you are still actually thinking — not just ratifying what the machine already decided
Timestamps:
00:00 – Why AI scoring is silencing human dissent
00:49 – Welcome and back-to-school business energy
05:14 – How one bad AI-backed VC deal got approved
07:32 – How leaders can protect employee judgment from AI
10:24 – Why human intuition still beats AI scores
13:59 – The hidden risk of AI in law firms and junior lawyers
17:47 – Is AI augmenting or replacing your team's thinking?
20:39 – How to rebuild independent thinking after relying on AI
22:27 – Rana Gujral on his new book, The AI Instinct
Follow and Review:
We'd love for you to follow us if you haven't yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We'd love it even more if you could drop an honest review on Apple Podcasts. Simply select "Ratings and Reviews" and "Write a Review" then a quick line with your favorite part of the episode. It only takes a second and it helps spread the word about the podcast.
Listen to our podcast on:
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Transcript: https://www.techfornontechies.co/blog/319-your-judgment-is-your-most-valuable-asset-are-you-losing-it-to-ai
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About Tech for Non-Techies
If you want to build new things and be known as the innovator in the room — this is your show.
Whether you're launching a tech venture from scratch as a non-technical founder, bringing a new product to market inside a large organisation, or advising tech and VC clients — I'll give you the thinking and the frameworks to do it.
The smartest founders and the most ambitious senior executives are obsessed with the same skill: product thinking.
It's the ability to figure out what is worth building, why it is worth building, and how to make it work.
Founders develop it out of necessity. Senior leaders suddenly need it the moment they reach the top.
Almost nobody teaches it.
I do.
I've taught these frameworks at Oxford, London Business School, and Techstars, written for the Harvard Business Review, and spoken at GITEX and Cannes Lions.
I have over 800 alumni across four continents.
This is not theory.
It is the thinking, tested at the highest level, and now yours.
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