Devon Shigaki is the mind behind FreshCredit, a company that is dedicated to increasing access to credit on a global scale and empowering individuals to own and manage their own personal data. In this episode, KJ and Devon explore the broader implications of decentralized credit reporting, its simple yet groundbreaking application of blockchain, and the potential for creating a more inclusive financial landscape.

 

Key Takeaways:

03:56 The Problem with Current Credit Systems

06:57 The Controversy of Blockchain in Credit Reporting

13:28 Devon's Personal Experience with Identity Theft

18:35 FreshCredit's Innovative Solutions

 

 

Quote of the Show (14:00):

"Fear of not fixing the problem drives me." – Devon Shigaki

 

Join our Anti-PR newsletter where we’re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome.

 

Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: https://info.jotopr.com/free-anti-pr-eval

 

Ways to connect with Devon Shigaki:

LinkedIn: https://www.linkedin.com/in/devonshigaki

Company LinkedIn: https://freshcredit.com

 

How to get more Disruption/Interruption: 

Amazon Music - https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption

Apple Podcast - https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755

Spotify - https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlD

Devon Shigaki is the mind behind FreshCredit, a company that is dedicated to increasing access to credit on a global scale and&nbsp;empowering individuals to own and manage their own personal data. In this episode, KJ and Devon explore the broader implications of decentralized credit reporting, its simple yet groundbreaking application of blockchain, and the potential for creating a more inclusive financial landscape.
&nbsp;
Key Takeaways:
03:56&nbsp;The Problem with Current Credit Systems
06:57&nbsp;The Controversy of Blockchain in Credit Reporting
13:28&nbsp;Devon's Personal Experience with Identity Theft
18:35&nbsp;FreshCredit's Innovative Solutions
&nbsp;
&nbsp;
Quote of the Show (14:00):
"Fear of not fixing the problem drives me." &ndash; Devon Shigaki
&nbsp;
Join our Anti-PR newsletter where we&rsquo;re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome.
&nbsp;
Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: <a href="https://info.jotopr.com/free-anti-pr-eval">https://info.jotopr.com/free-anti-pr-eval</a>
&nbsp;
Ways to connect with Devon Shigaki:
LinkedIn: <a href="https://www.linkedin.com/in/devonshigaki">https://www.linkedin.com/in/devonshigaki</a>
Company LinkedIn: <a href="https://freshcredit.com/">https://freshcredit.com</a>
&nbsp;
How to get more Disruption/Interruption:&nbsp;
Amazon Music - <a href="https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption">https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption</a>
Apple Podcast - <a href="https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755">https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755</a>
Spotify - <a href="https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlD">https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlD</a>

When did you say ”THAT’S IT! I’VE HAD IT!”? Time to Disrupt and Interrupt with host Karla Jo. Every week KJ interviews professionals who are disrupting their industries and altering economic networks that have been antiquated with bull-headed predecessors holding up the progress.

KJ delves into uncovering more from industry rebels and innovators that you didn’t know you needed in your life.

Disruption / Interruption

Disrupting the Broken Credit System: Blockchain, AI, and Verified Trust with Devon Shigaki

In this episode of Disruption/Interruption, KJ sits down with Joey Coleman, two-time Wall Street Journal bestselling author and expert in experience design and retention strategy. Joey reveals the shocking truth about employee turnover—costing businesses a trillion dollars annually—and shares his proven framework for transforming the first 100 days of any relationship. From his background as a criminal defense attorney and White House advisor to consulting with NASA, Volkswagen, and Zappos, Joey brings unique insights into why companies lose employees and customers, and more importantly, how to keep them.

 

Four Key Takeaways
The First Day Crisis (10:25)
4% of all new hires quit after their first day of work globally, and by day 45, that number jumps to 22%. By the one-year mark, 40% of employees have left—costing U.S. businesses approximately $1 trillion annually.
The True Cost of Turnover (13:00)
Replacing an employee costs between 100-300% of their annual salary just to get someone new into the seat—not including their actual salary and benefits. For a $50,000 employee, you're looking at $50,000-$150,000 in replacement costs alone.
HR's Shift from Culture to Compliance (27:00)
Over the past 50 years, HR departments have shifted focus from creating great workplace cultures to managing compliance, documentation, and litigation prevention—leaving no one responsible for making the workplace the best it can be.
The Remarkable Organization Test (35:31)
"The way you know you're running a remarkable organization is if you announce you're hiring and your existing employees immediately recommend amazing people they want to work with. In most organizations, internal referral candidates measure close to zero."

 

Quote of the Show (28:12):
"There is no one who wakes up in the morning, looks in the mirror and says, 'My primary job when I get to work today is to make sure that this is the best place that any of these people have ever worked.'" – Joey Coleman

 

Join our Anti-PR newsletter where we’re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome.

 

Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: https://info.jotopr.com/free-anti-pr-eval

 

Ways to connect withJoey Coleman:

LinkedIn:  https://www.linkedin.com/in/joeycoleman1/

How to get more Disruption/Interruption: 

Amazon Music - https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption

Apple Podcast - https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755

Spotify - https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlD

In this episode of Disruption/Interruption, KJ sits down with Joey Coleman, two-time Wall Street Journal bestselling author and expert in experience design and retention strategy. Joey reveals the shocking truth about employee turnover&mdash;costing businesses a trillion dollars annually&mdash;and shares his proven framework for transforming the first 100 days of any relationship. From his background as a criminal defense attorney and White House advisor to consulting with NASA, Volkswagen, and Zappos, Joey brings unique insights into why companies lose employees and customers, and more importantly, how to keep them.
&nbsp;
Four Key Takeaways
<ol>
<li>The First Day Crisis (10:25)</li>
<ul>
<li>4% of all new hires quit after their first day of work globally, and by day 45, that number jumps to 22%. By the one-year mark, 40% of employees have left&mdash;costing U.S. businesses approximately $1 trillion annually.</li>
</ul>
<li>The True Cost of Turnover (13:00)</li>
<ul>
<li>Replacing an employee costs between 100-300% of their annual salary just to get someone new into the seat&mdash;not including their actual salary and benefits. For a $50,000 employee, you're looking at $50,000-$150,000 in replacement costs alone.</li>
</ul>
<li>HR's Shift from Culture to Compliance (27:00)</li>
<ul>
<li>Over the past 50 years, HR departments have shifted focus from creating great workplace cultures to managing compliance, documentation, and litigation prevention&mdash;leaving no one responsible for making the workplace the best it can be.</li>
</ul>
<li>The Remarkable Organization Test (35:31)</li>
<ul>
<li>"The way you know you're running a remarkable organization is if you announce you're hiring and your existing employees immediately recommend amazing people they want to work with. In most organizations, internal referral candidates measure close to zero."</li>
</ul>
</ol>
&nbsp;
Quote of the Show (28:12): "There is no one who wakes up in the morning, looks in the mirror and says, 'My primary job when I get to work today is to make sure that this is the best place that any of these people have ever worked.'" &ndash; Joey Coleman
&nbsp;
Join our Anti-PR newsletter where we&rsquo;re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome.
&nbsp;
Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: <a href="https://info.jotopr.com/free-anti-pr-eval">https://info.jotopr.com/free-anti-pr-eval</a>
&nbsp;
Ways to connect with Joey Coleman:
LinkedIn:&nbsp;&nbsp;<a href="https://www.linkedin.com/in/joeycoleman1/">https://www.linkedin.com/in/joeycoleman1/</a>
How to get more Disruption/Interruption:&nbsp;
Amazon Music - <a href="https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption">https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption</a>
Apple Podcast - <a href="https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755">https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755</a>
Spotify - <a href="https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlD">https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlD</a>

Disrupting Retention: Hacking Employee and Customer Profits with Joey Coleman

In this episode of Disruption/Interruption, marketing veteran Ed Locher pulls back the curtain on B2B marketing's biggest lie: that the MQL machine actually drives growth. As CMO of PureFacts Financial Solutions and author of "Digital Transformation: People, Process and Technology," Ed reveals why 15 years of marketing automation created a sugar rush that's now crashing, and how AI can help fix it without repeating the same mistakes. This is a no-holds-barred conversation about emotional connection, the 95% of buyers marketers ignore, and why marketing tenure averages just 18 months.

 

Four Key Takeaways:
 The MQL Mirage Is Built on a Lie8:56
Marketing automation promised accountability through MQLs, but overdelivering on MQL targets quarter after quarter never translated to actual revenue growth. The entire system targets only the 5% of the market ready to buy right now—ignoring the 95% who need demand creation, not demand capture.
 B2B Buying Committees Have Tripled in Size16:30
The buying committee for enterprise B2B purchases has exploded from 5 people to 16. You can't build credibility and trust with 16 stakeholders through email sequences—you need emotional connection and personalized storytelling that speaks to each person's specific drivers (CFO cares about ROI, compliance cares about regulations, operations cares about not making headlines).
 AI Raises the Floor, Not the Ceiling29:59
AI protects terrible marketers from themselves by raising the quality floor, but it hasn't raised the bar for great marketing. The real opportunity lies 3-4 standard deviations above the mean—where human empathy, emotional triggers, and genuine understanding of customer pain create outsized impact that AI can't replicate.
 Marketing Attribution Is a Myth44:13
There will never be a "cast iron steel rod of attribution" connecting marketing activities directly to purchases. Marketers who work for leadership that doesn't understand this are doomed to 18-month tenures, chasing MQL targets that deliver short-term sugar rushes followed by revenue crashes. The rare CEO or investor who recognizes this broken motion is the problem—not the marketer—creates space for real growth.

Quote of the Show (44:13):
"There will never be a cast iron steel rod of attribution that says marketing did X, which led to this person buying something. It just doesn't work that way.” — Ed Locher

 

Join our Anti-PR newsletter where we’re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome.

 

Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: https://info.jotopr.com/free-anti-pr-eval

 

Ways to connect withEd Locher:

LinkedIn:  https://www.linkedin.com/in/edlocher/

Company Website: https://purefacts.com

 

How to get more Disruption/Interruption: 

Amazon Music - https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption

Apple Podcast - https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755

Spotify - https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlD

In this episode of Disruption/Interruption, marketing veteran Ed Locher pulls back the curtain on B2B marketing's biggest lie: that the MQL machine actually drives growth. As CMO of PureFacts Financial Solutions and author of "Digital Transformation: People, Process and Technology," Ed reveals why 15 years of marketing automation created a sugar rush that's now crashing, and how AI can help fix it without repeating the same mistakes. This is a no-holds-barred conversation about emotional connection, the 95% of buyers marketers ignore, and why marketing tenure averages just 18 months.
&nbsp;
Four Key Takeaways:
<ol>
<li> The MQL Mirage Is Built on a Lie 8:56 Marketing automation promised accountability through MQLs, but overdelivering on MQL targets quarter after quarter never translated to actual revenue growth. The entire system targets only the 5% of the market ready to buy right now&mdash;ignoring the 95% who need demand creation, not demand capture.</li>
<li> B2B Buying Committees Have Tripled in Size 16:30 The buying committee for enterprise B2B purchases has exploded from 5 people to 16. You can't build credibility and trust with 16 stakeholders through email sequences&mdash;you need emotional connection and personalized storytelling that speaks to each person's specific drivers (CFO cares about ROI, compliance cares about regulations, operations cares about not making headlines).</li>
<li> AI Raises the Floor, Not the Ceiling 29:59 AI protects terrible marketers from themselves by raising the quality floor, but it hasn't raised the bar for great marketing. The real opportunity lies 3-4 standard deviations above the mean&mdash;where human empathy, emotional triggers, and genuine understanding of customer pain create outsized impact that AI can't replicate.</li>
<li> Marketing Attribution Is a Myth 44:13 There will never be a "cast iron steel rod of attribution" connecting marketing activities directly to purchases. Marketers who work for leadership that doesn't understand this are doomed to 18-month tenures, chasing MQL targets that deliver short-term sugar rushes followed by revenue crashes. The rare CEO or investor who recognizes this broken motion is the problem&mdash;not the marketer&mdash;creates space for real growth.</li>
</ol>
Quote of the Show (44:13): "There will never be a cast iron steel rod of attribution that says marketing did X, which led to this person buying something. It just doesn't work that way.&rdquo; &mdash; Ed Locher
&nbsp;
Join our Anti-PR newsletter where we&rsquo;re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome.
&nbsp;
Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: <a href="https://info.jotopr.com/free-anti-pr-eval">https://info.jotopr.com/free-anti-pr-eval</a>
&nbsp;
Ways to connect with Ed Locher:
LinkedIn:&nbsp;&nbsp;<a href="https://www.linkedin.com/in/edlocher/">https://www.linkedin.com/in/edlocher/</a>
Company Website: <a href="https://purefacts.com/">https://purefacts.com</a>
&nbsp;
How to get more Disruption/Interruption:&nbsp;
Amazon Music - <a href="https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption">https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption</a>
Apple Podcast - <a href="https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755">https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755</a>
Spotify - <a href="https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlD">https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlD</a>

Disrupting the GTM Lie: Why Most Growth Strategies Are Just Chaos with Ed Locher

In this episode of Disruption/Interruption, host KJ sits down with Jurek Kozyra, founder and CEO of Nanovery, to explore how DNA nanotechnology and AI are revolutionizing molecular medicine. Discover how tiny nanorobots made from DNA could dramatically accelerate drug development, make diagnostics faster and more affordable, and potentially cure diseases that were previously untreatable. From detecting diseases in hours instead of days to cutting years off the drug development process, this conversation reveals the cutting-edge science that's transforming healthcare.

 

Four Key Takeaways:
The Promise of Oligonucleotide Therapeutics (9:06) Traditional medicine targets defective proteins, but many diseases can't be cured because we can't find the right molecule. Oligonucleotide therapeutics target mRNA—the underlying mechanism of disease—meaning you could potentially cure all diseases since all proteins come from mRNA.
DNA Nanorobots for Rapid Detection (14:12) Nanovery's DNA nanorobots can detect diseases in blood samples within 2-4 hours compared to traditional lab tests that take two days. These self-assembling machines produce fluorescent signals when they find specific DNA or RNA molecules, enabling point-of-care diagnostics.
Accelerating Drug Development (17:13) Pharmaceutical companies race against 20-year patents while drugs take 10+ years to develop. Nanovery's technology provides more accurate data at lower cost and time, potentially shaving years off the development process and helping more drugs successfully reach the market.
Real-World Clinical Validation (20:26) In a hospital study with 170 patient samples, Nanovery's technology delivered same or better results than traditional tests in just two hours instead of two days—a game-changer for emergency situations like drug overdoses where immediate answers are critical.

 

Quote of the Show (9:05):
"If you can target mRNA very specifically, that means that in theory you could potentially cure all diseases. That's why this area is so exciting right now." – Jurek Kozyra

 

Join our Anti-PR newsletter where we’re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome.

 

Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: https://info.jotopr.com/free-anti-pr-eval

 

Ways to connect withJurek Kozyra:

LinkedIn:  https://www.linkedin.com/in/j3ny/

Company Website: https://nanovery.co.uk

 

How to get more Disruption/Interruption: 

Amazon Music - https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption

Apple Podcast - https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755

Spotify - https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlD

In this episode of Disruption/Interruption, host KJ sits down with Jurek Kozyra, founder and CEO of Nanovery, to explore how DNA nanotechnology and AI are revolutionizing molecular medicine. Discover how tiny nanorobots made from DNA could dramatically accelerate drug development, make diagnostics faster and more affordable, and potentially cure diseases that were previously untreatable. From detecting diseases in hours instead of days to cutting years off the drug development process, this conversation reveals the cutting-edge science that's transforming healthcare.
&nbsp;
Four Key Takeaways:
<ol>
<li>The Promise of Oligonucleotide Therapeutics (9:06) Traditional medicine targets defective proteins, but many diseases can't be cured because we can't find the right molecule. Oligonucleotide therapeutics target mRNA&mdash;the underlying mechanism of disease&mdash;meaning you could potentially cure all diseases since all proteins come from mRNA.</li>
<li>DNA Nanorobots for Rapid Detection (14:12) Nanovery's DNA nanorobots can detect diseases in blood samples within 2-4 hours compared to traditional lab tests that take two days. These self-assembling machines produce fluorescent signals when they find specific DNA or RNA molecules, enabling point-of-care diagnostics.</li>
<li>Accelerating Drug Development (17:13) Pharmaceutical companies race against 20-year patents while drugs take 10+ years to develop. Nanovery's technology provides more accurate data at lower cost and time, potentially shaving years off the development process and helping more drugs successfully reach the market.</li>
<li>Real-World Clinical Validation (20:26) In a hospital study with 170 patient samples, Nanovery's technology delivered same or better results than traditional tests in just two hours instead of two days&mdash;a game-changer for emergency situations like drug overdoses where immediate answers are critical.</li>
</ol>
&nbsp;
Quote of the Show (9:05): "If you can target mRNA very specifically, that means that in theory you could potentially cure all diseases. That's why this area is so exciting right now." &ndash; Jurek Kozyra
&nbsp;
Join our Anti-PR newsletter where we&rsquo;re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome.
&nbsp;
Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: <a href="https://info.jotopr.com/free-anti-pr-eval">https://info.jotopr.com/free-anti-pr-eval</a>
&nbsp;
Ways to connect with Jurek Kozyra:
LinkedIn:&nbsp;&nbsp;<a href="https://www.linkedin.com/in/j3ny/">https://www.linkedin.com/in/j3ny/</a>
Company Website: <a href="https://nanovery.co.uk/">https://nanovery.co.uk</a>
&nbsp;
How to get more Disruption/Interruption:&nbsp;
Amazon Music - <a href="https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption">https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption</a>
Apple Podcast - <a href="https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755">https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755</a>
Spotify - <a href="https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlD">https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlD</a>

Disrupting the Broken Credit System: Blockchain, AI, and Verified Trust with Devon Shigaki

In 1 playlist(s)

Disruption / Interruption

Social links

Follow podcast

Recent clips