AI isn’t just disrupting finance — it’s quietly rebuilding it from the inside out. In this episode of Code & Capital, host Ian Kar sits down with Charles Birnbaum, Partner at Bessemer Venture Partners and early investor in fintech leaders like Alloy, Lithic, and Melio. They explore how startups are replacing outdated banking infrastructure — from compliance and fraud to cross-border payments and stablecoins. Charles shares how Bessemer’s thesis-driven investing uncovers trillion-dollar problems hiding in plain sight, why the next big winners are solving unsexy but essential workflows, and how AI is transforming financial services behind the scenes. If you're building, investing, or just curious about where fintech is really headed — this conversation is your edge. Thank you for Joining Us! Chapters 00:00 Who Is Charles Birnbaum? From Wall Street to VC 03:13 How VCs Actually Pick Fintech Startups 05:48 Why Early-Stage Success Is All About the Team 08:54 What AI Is Really Changing in...