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About Caroline Tran

Caroline Tran is co-founder and CEO of Hello Clever, an Australian payments technology company. It offers merchants real-time account-to-account payments, embedded loyalty and cashback, and an AI analytics product for forecasting and business insights.

Hello Clever began during COVID as a consumer cashback app and moved into merchant payments, launching its first real-time payments product in early 2022. It now serves merchants in about 20 countries and expanded into the United States, Japan and South-East Asia in 2025 and 2026. Before founding the company, she worked in accounting and media finance. She was named Female Fintech Leader of the Year at the 2025 Finnies and Outstanding Fintech Leader of the Year in 2026.

On Founders in Motion with Thea Ngo, she explained how she won Hello Clever's first customer through a Facebook group.

In conversation.

1 episode

Go straight to the good bits.

Key moments from $15M ARR Fintech Founder: I Found My First Customer on Facebook | Caroline Tran, Hello Clever.

  1. 0:00Cold open
  2. 0:43Meet Caroline Tran
  3. 0:54What Hello Clever is
  4. 1:34From corporate to founder
  5. 2:32Launching during Covid
  6. 3:16Running out of money
  7. 3:23The return-payments conversation
  8. 4:56The first merchant
  9. 6:59You never forget your first customer
  10. 9:57The flip to exponential growth

Hello Clever on Day One

Hello Clever is a Sydney-founded payments company. Its platform decides how each transaction should travel across cards, real-time bank networks, wallets, local payment…

1 person · 1 episode
Hello Clever

Across the network.

Spot something wrong? Suggest a correctionUpdated 29 October 2026

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