The Human Side of FinTech: The Culture Journey from Founder to CEO
In this episode “The Human Side of FinTech: The Culture Journey from Founder to CEO” of the Talking Success, The Best FinTech Podcast, Darren Franks sat down with Angela Shurina, Executive Coach at Your Best Coaching. In the fast-paced world of FinTech, it’s easy to get swept up in the technology, APIs, stablecoins, cross-border payments, embedded finance. But behind every API call is a person. Behind every fast-growing platform is a team of humans navigating complexity, identity shifts, and cultural transitions. In this episode we unpack the human side of the FinTech journey, from cultural foundations and behavior design to leadership transitions and accountability.
Let’s start with a topic that comes up in almost every investor deck or founder interview: culture. Most founders say they value transparency, honesty, and integrity – and while those values are important, the real question is: what do they look like in action?
As Angela puts it, “Culture is what we repeatedly do.” It’s not about values printed on a wall or statements on a careers page. It’s about observable behavior, what people consistently say, prioritize, and act on even when no one is watching. A “culture of trust,” for example, isn’t defined by the word trust, it’s defined by whether people actually delegate, communicate openly, and take ownership.
Culture isn’t static, it shifts as a company grows. Startups in their early stages (especially pre-Series A) often operate in survival mode. Cash flow is tight, the product might still be in development, and experimentation is the norm. Founders and their teams are trying things fast, breaking what they need to, and searching for product-market fit.
But once you reach Series A or beyond, priorities shift. Reliability becomes more important than experimentation. Customers expect consistent service. Investors expect execution. Angela explains that this is where some people thrive, and others struggle. “Some folks are natural inventors. They’re built for the startup chaos,” she says. “But the business now needs people who can deliver, who are excited about process and stability.”
That’s where cultural transformation comes in.
Angela’s work at Your Best Coaching focuses on exactly this: guiding organizations through transitions by designing for behavior change. It’s not about top-down mandates or inspirational posters. It’s about using tools from behavioral science, motivational psychology, and habit formation to embed new behaviors into the system.
Whether it’s nudging teams toward reliability, designing better feedback loops, or building systems that reward desired habits, the focus is always the same: start with the outcome you want, then reverse-engineer the behaviors and environments that support it.
Governments have been doing this for years, think of “nudge units” that subtly shape public behavior around taxes, health, or retirement savings. Angela helps businesses apply the same thinking internally.
One of the biggest identity shifts in the startup world is the journey from founder to CEO. On paper, it’s just a title change. But in reality, it’s a total transformation in mindset, focus, and behavior.
Founders are creators. They’re often scrappy, experimental, emotionally invested. CEOs, on the other hand, are operators. They’re accountable to investors, teams, customers, and regulators. They need to lead not just through inspiration but through structure, clarity, and scale.
Angela suggests that instead of debating the definition of “founder” vs. “CEO,” leaders should focus on what behaviors they need to embody to succeed in their next chapter. For her, the shift meant thinking less like an entrepreneur and more like a business owner. “I moved from exploring lots of opportunities to focusing on one, building systems around it, and creating predictable value,” she says.
It’s not about losing passion, it’s about focusing it.
As companies scale, systems become non-negotiable. But early-stage businesses often avoid formal processes, assuming they’ll slow things down. Angela argues the opposite: thoughtful systems create clarity and free up mental space.
So where should you start?
First, understand your core value proposition. What problem do you solve for your customers, and what is absolutely essential to delivering that value reliably? That’s where your first systems should focus.
It doesn’t have to be fancy. Start with basic repeatable steps, then layer in tools, platforms, and automation as needed. Whether it’s onboarding, customer support, or performance management, systems should reinforce the behavior and outcomes you need most.
In leadership circles, “accountability” often comes across as a corporate buzzword. But when done right, it’s one of the most human tools we have.
Angela explains that we’re all driven, to some degree, by social status and how others perceive us. Having someone to report to, whether it’s a coach, manager, or peer, taps into that intrinsic motivation. We want to show up. We want to deliver.
“Especially at the top, it can get lonely,” Darren added. “You’re dealing with imposter syndrome. You don’t want to show weakness to your team or uncertainty to your board. But that’s exactly why structured accountability matters.”
In coaching, accountability doesn’t just mean tracking KPIs, it means helping someone prioritize what really matters, filter out distractions, and create a rhythm of consistent action toward long-term goals.
Every founder dreams of building a high-performing team. But not everyone knows what that actually means, or how to get there.
Angela’s answer? Clarity.
First, get specific: what does “high performance” mean in your context? A product team and a finance team will have very different performance markers. Define the behaviors, outcomes, and metrics that matter most. Then, design systems to support them.
And don’t forget motivation. According to Angela, people are driven by three main forces:
Praise – Being recognized and appreciated
Perks – Tangible rewards like salary, bonuses, benefits
Progress – Feeling like they’re moving toward something meaningful
If your systems – from performance reviews to daily workflows – reinforce those three, your team is far more likely to show up at their best.
Not every startup makes it. That’s the hard truth.
But what happens when a founder or CEO hits a wall? When the venture fails, funding dries up, or circumstances beyond their control derail years of work?
Angela coaches leaders through these moments too. “Failure is part of the growth cycle,” she says. “If you have a growth mindset, you’re always failing, learning, improving, then failing again.”
The key is perspective. What seemed like a failure today may look like a critical turning point in six months. Angela helps leaders reframe those experiences, reflect on the lessons, and get back into motion with greater clarity and resilience.
“It’s not about having the answers,” she says. “It’s about showing up every day, improving 1%, and remembering how far you’ve already come.”
If there’s one thread that ties this whole conversation together, it’s this: leadership isn’t a title – it’s a set of behaviors.
Whether you’re transitioning from founder to CEO, building a high-performing team, or bouncing back from a failed venture, the question is always the same: what does success look like in behavior? What does it look like in a calendar, in a conversation, in a system?
Once you define that, you can start designing for it.
Angela’s approach blends psychology, strategy, and design thinking to help businesses build cultures that evolve, leaders who grow, and teams that perform, not because of slogans, but because of systems.
In the world of FinTech – and startups more broadly – the pace of change is relentless. But while the technology evolves, the fundamentals remain the same. People build companies. People lead transformations. People create value.
As you scale, raise capital, or rethink your leadership, don’t forget to invest in the human side of your business. Culture isn’t a luxury. It’s your operating system. And with the right mindset, systems, and accountability in place, your people can grow alongside your tech.
Your Best Coaching, led by focuses on designing for behavior change. It blends coaching with behavioral science, motivational psychology, and systems thinking. Rather than just setting goals and checking in, Angela helps clients build sustainable habits, define specific behavioral outcomes, and design systems (like routines and accountability structures) that actually support transformation.
Angela works primarily with founders, executives, and leaders going through major transitions – such as moving from founder to CEO, scaling a business, or reinventing their leadership style. It’s also a strong fit for people who want clarity, structure, and accountability while navigating complex decisions or periods of high growth.
Expect to gain clarity around your goals and values, develop systems to support your priorities, improve your leadership behavior, and feel more confident navigating complexity. Angela’s clients often report breakthroughs in accountability, focus, and personal growth, especially in high-pressure environments like startups or fast-scaling teams.
The process is highly tailored, but usually starts with identifying your key goals, then mapping out the behaviors and systems required to support them. Sessions may involve mindset coaching, habit tracking, leadership reflection, and designing routines. Angela also customizes communication methods (e.g., coaching apps, messaging platforms) to keep accountability tight and progress visible.
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