Tech & Emerging Markets – Interview with Matt Cole of Nubox

Matt Cole Nubox
Matt Cole Nubox

We recently had the chance to interview the head of Corporate Development and CFO of Nubox, Matt Cole and chat about how SaaS applications like Nubox are creating the next entrepreunerial leaders in Latin America and other emerging markets. 

What are some of the biggest struggles/challenges for Latin American entrepreneurs?

Entrepreneurs in Latin America, like those in other Emerging Markets, continue to struggle with the local bureaucracies which stifle business formation, lack of access to cost-effective capital sources, difficulties in recruiting skilled talent, and difficulties penetrating “well organized” industrial segments dominated by entrenched incumbents.  In addition, the continual, and often sudden, changes in regulatory environments, coupled with macro-economic volatility make long-term planning more difficult than in more mature economies.  Being “agile” in Latin America is often necessary for survival, which can prevent (or defer) investments in long-term scalable business models, which are necessary to generate high returns on capital.

How has the technology boom of Web3.0 made entrepreneurship possible in places outside of traditional markets? Has it at all?

While technological developments allow entrepreneurs to scale global businesses from “anywhere” with never-before-witnessed capital efficiency, I believe that the entrepreneurial revolution currently sweeping the planet is due to the network effect of communications, capital, and “peer-to-peer” mentoring.  My good friend, Professor Michael Goldberg has written a very popular book, “Beyond Silicon Valley” which finds one common thread among the successful entrepreneurial ecosystems: people helping other people.  Technology enables disruption, but still today, at least for a while longer, people make disruption happen.  

Many pundits feel that markets like Latin America have essentially skipped over the PC generation and have taken full advantage of mobile computing. Was this the driving factor behind building a SaaS platform over a more traditional software solution?

The first step in finding “Product-Market-Fit” for Nubox was to understand the needs and pain-points of our clients.  In fact, we continue to think, every day, about the needs of our customers.   At Nubox, we discovered very early that cloud-based, SaaS solutions connect the administrative activities the Small Business ecosystem, allowing entrepreneurs to focus what should be their most important goal: growing their business.  Access to the Nubox software solutions are available on any time, anywhere, on any device.  The information processed via Nubox e-invoicing, payroll, and accounting solutions is seamlessly shared between business owners, customers, employees, accounting firms, banks, regulatory authorities, and other key players of the ecosystem, allowing for greater automation, less manual entry, and fewer errors.  

What are your expectations for Nubox and similar products in emerging markets like Latin America over the next decade?

At Nubox we are working to create a future in which access to simple, intuitive, easy-to-use software services will allow small business owners to manage their businesses based on accurate, real-time financial information.  This will be a powerful evolution of the entrepreneurial mind-set, via which harnessing company information allows entrepreneurs to make better operating decisions and provides the basis for access to lower-cost financing.  We are seeing an explosion of locally-grown small business SaaS solutions throughout Latin America given their affordable subscription models, low/no set-up costs, and rapid deployment processes, when compared to more traditional “on-premise”, software products. 

Do you see these places re-imagining in what and how they work?

It always difficult to predict technological change, but it would seem to me that the “Killer App” for Small Business SaaS companies will be “integration” with other market players, allowing for entrepreneurs to harness the “best of breed” solution for each of their specific needs.   I would expect leading SaaS players to push features based on Artificial General Intelligence, which can dramatically impact efficiencies in information processing and preparation of recurring reports.  The most successful SaaS players will harness the power of global innovation, with the local “on-the-ground” knowledge of how to solve local customer needs. 

Aside from Nubox, what new technologies will be crucial to changing the opportunities available to would-be entrepreneurs in emerging markets?

Entrepreneurs in Emerging Markets, many for the first time ever, now have access to high-quality engineers, low-cost computing power, pervasive broadband connectivity, a growing number of smart phone users, government support for investments in innovative solutions, and seed-stage venture capital funds.  These elements provide the foundation of a virtuous cycle of developing innovative products that address the needs of large markets, which can be financed with risk capital.  Technologies will continue to evolve.  In my opinion, the entrepreneur´s role in Emerging Markets, rather than to chase after the next new thing, will be to “localize” existing solutions, which solve the specific needs of their customers.

Nubox is no stranger to being a trailblazer in exciting and untapped markets; starting out as a scrappy SaaS pioneer in Latin America, they are now the market leader providing small businesses and accountants the ability to organize, digitize, and manage their financial operations from a single, easy-to-use platform. Nubox now serves more than 60,000 small businesses in Chile, Colombia, and Argentina with World-Class SaaS platform which simplifies and automates key business tasks such as accounting, payroll and e-Invoicing. Learn more about Nubox by clicking the link below.

The Noisecast Episode 7 (2018) – iPhones and Photokina


In this episode, Alberto is flying solo as Paul is preparing for his wedding – congrats Paul and Amanda! The show goes on as we tackle the new iPhone XS and its iterations, all the Full-Frame mirrorless camera announcements out of Photokina, and my first impressions on the Samsung Galaxy Note 9. 

Be sure to follow us on all social media:




The Noisecast Episode 1: Loot Crates and Snapshots


In this episode, I’m joined by Paul Combs of the C&C Geekcast. We talk video games, DLC and in-app purchases, and how the loot crate economy is creating the next generation of addicted gamblers. 
In a lighter note, we also chat about my experience shooting with two new cameras, the Olympus EM10 Mark III and the Lomography Instant Square.

The Noisecast Episode 6 (2018) – Street Photography with Mason Resnick


In this episode, we sit down with street photographer, photojournalist, and teacher, Mason Resnick. Mason studied street photography, in 1976, with Garry Winogrand, considered one of the most influential photographers of the 20th century. Since that time he’s covered over 3 decades of photography as an editor at various industry magazines, teacher, and street photographer. 

We also talk about digital vs. film photography, the effects of Instagram on photography, and his latest project TLV18: Photos of Tel Aviv, a photo book created during his most recent trip to Israel and the process of creating a project like this one. 

To learn more about Mason Resnick, you can check out his website:

To download a copy of his book, be sure to hit the link here:

To check out Mason’s street photography, be sure to check out his Blogspot page: 

Episode 5: Half-time: The Tech We Like (So Far) 2018


Alberto and Paul are back after a short month off. Life happens, but they’re back to give you a quick mid-year review of the tech that they’re most interested in for 2018. There’s still a lot of 2018 left, but between now and the new year, here’s what we’ve got our eyes on. 


Honorable Mentions: Android P and the Fujifilm X-T100. 

Episode 5 (2018): Halftime – Mid Year Tech Review feat. Paul Combs


Alberto and Paul are back after a short month off. Life happens, but they’re back to give you a quick mid-year review of the tech that they’re most interested in for 2018. There’s still a lot of 2018 left, but between now and the new year, here’s what we’ve got our eyes on.

Honorable Mentions: Android P and the Fujifilm X-T100.

The Noisecast Episode 4 (2018) – Damned Kids and Their Self Driving Cars!


In this episode, Paul manages to keep his cool as Alberto’s allergies plot to render him unable to coherently speak. When not choking, we manage to discuss a movie nearly a decade in the making – Avengers: Infinity War. We talk about the ethics (or lack thereof) behind Google’s Duplex AI bot, and Uber’s self-driving software killed a woman and no one seemed to care. 


Android Authority Google io Recap:

SmartCities Dive – Uber AV Software at Fault in Pedestrian Crash: 



NoiseReview: The Olympus OM-D E-M10 Mark III

Olympus OM-D E-M10 Mark III Feature

I recently was loaned an Olympus OM-D E-M10 Mark III and have been using it for a little over 2 weeks now. In that time, I was reminded about my love of the small, Micro Four-Thirds camera bodies (I’ve been shooting Medium Format film and a Fujifilm X-Pro 1 exclusively for about a year and a half). I’ve forgotten how great it is having a camera that’s easy to carry and doesn’t attract too much attention when shooting street or concerts.

While the E-M10’s small form factor is a nice plus, its flexibility to work well for snapshots and actual photographic work makes this one the more slept on cameras available now. The E-M10’s spec sheet puts it on par with most mid-range cameras like the Canon T7i, Sony a6000, Nikon D5600 or the Panasonic GX85. Unlike the APS-C cameras listed before, the E-M10 offers WiFi connectivity and 4K video at 24 and 30 frames per second. To sweeten the deal, the Micro Four-Thirds format boasts a wealth of lens options (trust me, you’ll want to get rid of the power zoom kit lens), many at very affordable price points.


Product Shots

The Olympus OM-D E-M10 Mk. III at a Glance

• 16-Megapixel Micro Four-Thirds CMOS sensor without Anti-Aliasing Filter

• TruePic VIII processor

• 121-point Contrast Detect Auto Focusing System

• In-body 5-axis image stabilization

• 8.6 fps high/ 4.8 fps low continuous shooting

• 2.36M dot Electronic Viewfinder

• 4k Video at 24 and 30 fps | Nighttime Live Composite | 15 Art Filters

Who is this for?

If you’re looking to get into photography, want something better than your phone’s camera, or are looking for a second, smaller camera for travel, the E-M10 III absolutely fits the bill. This camera offers beginners a guided tour into the world of photography thanks to its Advanced Photo options, Art Filters, while still allowing for full manual controls once you’ve gotten tired of shooting in Auto (or Program) and are ready to push the camera’s limits. Sadly, this isn’t the perfect camera for everyone; despite the 4K video option, the E-M10 III omits a mic-in jack which keeps this from being the perfect vlogging camera.

Still, if you’re primarily interested in stills, the E-M10 III offers a fine balance of ease of use and portability with a high enough ceiling for a budding creative like yourself.

Sample Images

Noisecast Episode 3 (2018): Spy Games, Privacy, and Infinity Wars


After recovering from the plague, Alberto is back with co-host Paul Combs of the C & C Geekcast to chop it up and discuss ZTE and Huawei leaving the US mobile phone market, the aftermath of the Facebook/Cambridge Analytica scandal, and we make early predictions in the Infinity War death pool. 


ZTE Banned via AndroidCentral:

Huawei & ZTE Hit Hard via NY Times:

Facebook CEO Mark Zuckerberg Testifying to Congress via Recode: