Fayl Tales
"failing" is a normal part of building, especially when you're at the frontier of great innovation.
so i sit down with founders and investors and get into the messy version of their story: the pivots, the near-misses, mistakes and everything usually edited out.
and i break down jargon and deep dives into the things nobody explains properly.
Fayl Tales
Why Giving at Checkout Feels Awkward and How Tim Millbank Tried to Fix It with Change for Change
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What if donating didn’t require a big monthly commitment… or an awkward “do you want to round up?” moment at the checkout?
In this episode I’m joined by Tim Millbank, founder of Change for Change, a fintech-for-good platform designed to turn everyday spending into micro-donations for vetted charities. Think round-up apps, but instead of investing spare change for private wealth… it goes straight to social impact.
Tim shares what it actually takes to build a charity fintech in Australia and the stuff donors and charities don’t say out loud like why people expect 100% of donations to go directly to programs (and why that can backfire).
In this episode, we cover:
- What Change for Change is and how round-up donations work
- Building a fintech with a non-technical background (and bootstrapping reality)
- Charity fundraising channels, donor psychology, and the “emails every week” problem
- The iOS/App Store barrier (and why they refused to become a charity just to list)
- The pivot to a progressive web app (PWA) and the user-experience tradeoffs
- Why fintech + charity = innovation… but also hard mode
Tim’s biggest lessons on MVP, product-market fit, and doing impact work sustainably
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