We continue with our LatAm series and in this week’s episode we chat with Carlos Torras, partner at Fintech Collective. Carlos has a very interesting career. Born in Barcelona, he studied in Brazil and US before working at JP Morgan in NYC in the FX options trading desk. After three years at the job he decided to move to Colombia to work at Suyo, an early stage startup that unlocks the value of low-income families' homes with land titling and property formalization technology, where he became COO. After that experience, he moved back to the US to join Fintech Collective, an early stage fund founded in 2012 with offices in NYC and London that “backs entrepreneurs who are rewiring the way money moves through the world”. Fintech Collective invests all over the world, especially in developing economies, and a big chunk of our conversation with Carlos explores the fintech opportunities in such markets: Latin America, Africa, India and other regions.