"Our success is defined by what we decide not to do because there are so many opportunities." - James Foster It's been two years since James Foster last appeared on Fintech Chatter. And it has been an incredible two years for Ezypay with 50% year on year revenue growth, going from 60-100 people and now operating in 9 countries across APAC. Summary: In this episode, Dexter chats with James about the challenges and opportunities of being a profitable business in the fintech industry. James highlights importance of focusing on solving customer pain points and making money, rather than chasing funding and growth for the sake of it. James also shares insights on the impact of Payto, a real-time account-to-account payment platform, and how Ezypay is leveraging this innovation to improve collection rates and enhance the customer experience. He highlights the need for businesses to adapt and innovate while staying true to their core values and profitability goals. About James Foster and Ezypay James Foster is the CEO of Ezypay, a payment solutions company that specialises in supporting businesses with recurring customer payments. With over 27 years of experience, Ezypay helps merchants optimise collection rates, improve the customer experience, and enhance cash flow.  James has led the company through significant growth and profitability, navigating the challenges of the fintech industry while staying focused on solving customer pain points. Follow Ezypay: https://www.ezypay.com/ Key Takeaways: Being profitable and solving customer pain points should be the primary focus for businesses, rather than chasing funding and growth.Payto is a game-changer in the payment industry, offering real-time account-to-account payments and improved customer protection.Ezypay's success is attributed to its ability to focus on its niche market, make data-driven decisions, and adapt to the evolving payment landscape.Doing business in Asia requires understanding the unique cultural and regulatory differences in each country, as well as being open to learning from failures and making course corrections. Subscribe Newsletter: https://www.linkedin.com/newsletters/fintech-leaders-7092732051488980992/ Apple: https://apple.co/3D7NsPt Spotify: https://spoti.fi/3IzSViQ Subscribe and like on Youtube: https://bit.ly/3tBlRmE Connect on Linkedin: https://bit.ly/3DsCJBp Follow on Twitter: https://twitter.com/DexterCousins