INTRO TONY: Welcome back to another power-packed episode of The Tony D'Urso Show. If you've ever hit a wall in your business or in life and questioned whether you could keep going, today's conversation is for you. My guest is Nick Vujicic, and you may know him as the speaker born without arms or legs. But what you may not know is how deeply he understands leadership, resilience, and purpose at a level most of us never reach. He's spoken to millions, he's led global non-profits, he's launched businesses, and now he's building something new—Pro Life Bank. It's a values-based financial institution with a bold mission. Now, Nick doesn't just talk about overcoming adversity. He lives it. And he brings a kind of clarity and conviction that reminds us what truly matters when we're building something that lasts. If you're an entrepreneur trying to make a meaningful impact, or you're just looking for a reset on how you think about challenges and purpose, you're going to want to lean into this one. Nick shares some hard-earned insights you won't forget. Let's dive in. Let's go. Bring them on. Hi, Nick. Welcome to The Tony D'Urso Show. NICK: Thank you, Tony. Thank you very much for having me on the show. TONY: Nick, the honor, the pleasure is mine on multiple levels. And for the audience's sake and on behalf of the audience, we're all looking forward to learning about faith, grit, and building big. And what I like to do, Nick, is with your background in finance and accounting, you know, you could have gone down a conventional path. What compelled you? You know, a little bit about your life story perhaps, and what compelled you to build a fintech company from scratch, especially one that's so mission-driven?

INTERVIEW – PART 1 (BACKSTORY & CALLING) NICK: Yeah. Look, when I was a teenager, I came to a revelation of needing faith in God and then asking him, "What plan do you have?" And my parents, they always encouraged me to use my brain, something that God gave me. And so my dad actually pushed me hard in mathematics and chess. He introduced me to the stock market at age sixteen. I went into classes to be educated in technical analysis and fundamental analysis of stocks. And then at age nineteen, I also bought my first investment property back in Australia and went through college, did a financial planning and accounting degree. So I was a Bachelor of Commerce with a double major. But during those years, I also found my passion for speaking and reaching out as much as possible to bring messages of hope, faith, and love to the world. But yet did not know, Tony, that one day I'd be a co-founder of a fintech, a solution in the culture of rejecting cancel culture and really—to be answering your question directly—it was because of my own cancel culture experience in the banking industry in America. Being here since 2002 in America, leaving Australia. You know, I've seen it over the years kind of change and moved permanently in 2005 and was in California, now living in Texas. And I would say that it was the epiphany of understanding that there are people who not only bring weaponization to some industries, but, you know, frame me as a conservative Christian. And being a victim of cancel culture, I felt the Lord wanted me to be part of the solution instead of playing the victim card. TONY: I must comment that it truly appears that you're following God's will in what you're doing, because your career and the influence you have, the impact you have, has really taken off. It's quite astounding. And I'd like to talk more about that. But just to say, we have a couple of threads. I have a couple of questions. One thing is about the fintech company. As I understand, you were debanked in 2018, and that kind of pushed you or propelled you into starting a company called Pro Life FinTech. Can you tell us what happened? And you mentioned the cancel culture. Bring that on. Tell us all about it.

INTERVIEW – PART 2 (DEBANKED & THE FOUNDING OF PRO LIFE FINTECH) NICK: Yeah. So it was actually in 2019 where I was invited by my dear friend. She was a prayer warrior, intercessory for me for several years. In fact, we met when she invited me to speak at her non-profit organization, helping abortion-determined women choose life. And so I was there. That's how we met. And then she found out that most large big banks, the Bank of Americas, Chase and a lot of these ones give to Planned Parenthood philanthropically. And she found this out in 2018. And she said, "Hey, would you come along for the ride with me to start the solution? A pro-life fintech, a banking platform that did not give philanthropically to things that contradict the Bible." And I said, "Well, let me think about it." And it came to a point where I said, "I'll pray about it." And eight weeks later, I woke up and my personal and for-profit accounts—I was banking with Chase Bank at the time—they froze me. They refused to talk to me. They froze my credit cards, my debit cards. I couldn't access any cash. They gave me a letter saying, "Dear customer, we reviewed who you are. We don't want you at our bank. Find another bank in thirty days or we'll take your cash." And this was April 2019 before cancel culture, the terminology was coined. And so that was a shock. It was really difficult in many aspects. You can't function without a banking account. And I let Betsy know, "Hey, I just got canceled. And yeah, I want to be part of that solution." And so it was—I didn't know that this could even happen. And I was able to open up an account with another large bank that also philanthropically gave to Planned Parenthood. And we started this journey of learning about how do we start a platform? We would have loved to start with a brick and mortar, but it was quite challenging to raise a lot of money for that. So we started as a fintech. We have a charter sponsor bank called Regent Bank. They have a footprint of brick and mortar in multiple states and they're FDIC insured. Then the coverage over them—we're basically a digital extension of Regent Bank named Pro Life FinTech. TONY: Wow, what an experience. And we are so dependent on our banks today. It's like, what can you do without a bank these days? And it just canceled you. "Dear customer." It's so impersonal. Just goodbye. Oh my goodness. Oh my goodness.

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INTERVIEW – PART 3 (CANCEL CULTURE & VALUES-BASED BANKING) TONY: We're speaking with Nick Vujicic. We're talking about faith, grit and building big. And you can find out about him and what we're talking about at ProLifeFinTech.com. Pro Life FinTech.com. Nick, let's talk about culture a little bit more—belief in business now. And we mentioned a little bit about this. You've taken a very strong stand against cancel culture, especially in the financial space. Is that even still happening today? Is that still an issue? Because truthfully, my nose is to the grindstone. I really don't know. You know, I'm kind of set in my ways. And as part of that, how do you balance your activism with business building? NICK: You know, when you come to the realization of weaponization of financial industries such as wealth management and you look at very large companies in wealth management, very large banks and institutions all around the world, you realize that if you have your core belief system, we realized that, you know, for the planet, recycling is good. Okay, wonderful. But man, we did not realize until recently that we're actually really blindfolded unless you know the truth to how people use Christian Judeo values in speech. And we can do what we can do. And I'm a speaker—we can change hearts and minds and we can decide something. We can be vocal about something, but unfortunately it stops with money. Money makes the world go round. Money changes policies, money creates movements, and money advertises different things and ideologies. Unfortunately, it always comes back to money. And when I realized that I'm not a victim, but I just was very unaware that as a Christian now being framed, Tony, as a conservative Christian—I never seen the word "conservative" once in the Bible. You either believe it or you don't. And so as a Christian, a Bible-believing Christian, you know, I could give my twenty-five dollars a month to the local crisis pregnancy center and help save babies' lives, but realized at the same time that the money in my church's money and my kid's school's money that's being banked at a bank that doesn't believe the way that we believe are actually using our dollars, profiting on it. It's really God's money. And with the lack of stewardship of that, what's the point of talking about the verse in the Bible, Tony, where it says, "Oh, the wealth of the wicked are going to come to the righteous"? We, quote unquote followers of God, are not even stewarding God's wealth in a righteous manner today, where you’re banking choice matters and every dollar matters. If you really believe in your values and every child. And it's not just pro-life or, you know, saving the unborn and helping the mother and father with unexpected pregnancies, it's all of life. You know, it's understanding that the incarcerated—two million people in America, okay, eighty-five percent of them aged out of the foster care system. Eighty-five percent. And it's a ninety-four billion dollar industry. And we have five hundred thousand churches out there. And we can't take one foster kid or adopt a child? There's a half a million children waiting for a loving home. We have a half a million registered churches to be the hands and feet. And so I've become more vocal not at the people that are pointing the finger and pressing the buttons on canceling people like us, but it's actually waking up the church, Tony, to realize that the biggest variable to move the needle in making America who God wants America to be—America, the one's founded, America we always knew—it's up to us and it's our decisions like never before. That, to me, is the bottleneck of bottlenecks. TONY: Nick, I find this so refreshing. I don't speak about this topic on my show. It's about entrepreneurs. It's about learning from the success of others, learning what mistakes not to make. It's learning how to move up and become successful no matter what. You know, I interview millionaires, billionaires, and this topic is so refreshing. You know, it's just wonderful to hear someone say, it's not our money, it's our Father—it's God our Father. It's his money. We're caretakers of his property, right? We're stewards. It's very, very nice. And you've got the right idea. I know that it's that point of view and understanding that has really propelled your tremendous growth. We're going to talk more about that. I've got a couple threads going or thinking in my head because I love this topic. I just don't get enough time to talk about it. We'll stay on Pro Life FinTech for a little bit. And you got canceled. I presume—you didn't mention why. You don't have to, but I'm going to be very general. Very, very, very—how do I say this? Vanilla. Straight up—they never told me why. NICK: And in fact, there are five states as of two weeks ago who actually passed laws in legislature that banks no longer can cancel individuals with no apparent reason. And so this is the biggie. Texas is not on that list yet. And so that's the point. And yes, there's tons of people still getting canceled today. In fact, the churches—I'm hearing of calls coming in on a weekly basis where banks are freezing up the churches' credit line. And it's just unfortunate that it's not slowing down at all at this point, Tony. By the way. TONY: Oh my. The war has increased. NICK: The war has increased. TONY: We're going to talk more about that. I want to try to stay on focus a little bit. It's hard to switch from that topic. So forgive me. NICK: No, it's okay.

INTERVIEW – PART 4 (PRO LIFE FINTECH SERVICES & MISSION) TONY: Your company. Now, let's—now you help pro-life pregnancy centers. You help conservative clubs. You help them. As I understand it, you're helping people and businesses with situations or matters or loans that are needed that the conventional regular banks don't help them with. NICK: Well, first and foremost, we have personal accounts—checking, savings and money market accounts. And they're very, very attractive rates actually. And so check that out at ProLifeFinTech.com. Thanks to Regent Bank, Tony, for anyone who has corporate accounts, they can open up a corporate account with Regent and earmark it as Pro Life FinTech, a referral. And for any loans that Regent Bank cannot fulfill, we have an array of affiliate companies that we know do lending for churches and sorts that may not cover the footprint of Regent Bank. But the bottom line is we reject cancel culture, number one. Number two, we also give ten percent net to Judeo-Christian values-aligned non-profit organizations. And we're about to announce the first two or three pro-life organizations. We're not at break-even point yet. And anyone can open up an account, though, all across the nation and have withdrawals from ATM machines at no cost. And so we're really excited. We've been open since November thirtieth, and we're excited to, in future years, expand in the dimension of wealth management and one day have our own brick and mortar as well. As well as Tony, it's a movement. It's not just Pro Life FinTech. It's a movement of like-minded Christian bankers. And so we're going to be forming a never-done-before Christian Bankers Alliance so that as we grow, we can all come together and unify in selling deposits that, you know, one individual entity cannot handle as we grow explosively. But right now we're very thankful with Regent Bank and our partnership with them. TONY: Very good. I want to clarify that for our audience. We're business people. We're entrepreneurs. We're solopreneurs. We may have some employees. We may be doing seven digits. There's no requirement whether you're Christian, Catholic, Buddhist, whatever your religion—there's no criteria there in terms of Pro Life FinTech, your institution. How can you help them? And again, does their faith—does it matter? Can you kind of give a little bit more information about that? NICK: Yeah. So certainly if someone has a business in, let's say a strip club business and they want a loan to expand their company, we're not going to do that, right? Under the Constitution of America, we can choose who we serve and who we don't serve, if you will, due to our values of who we are as a core. But as far as anything that is divisive or labeling people or, you know, LGBTQ-plus community, anyone can open up a personal account. We all need accounts and we have all sorts of people from all different walks of life and religions, and we don't compartmentalize, if you will, who we open up an account for or not on that level. TONY: Very good. Okay. Now, you mentioned that your mission is pro-life for all of life. So what does that really mean? And how does that show itself when you take care of or serve your customers, your communities, businesses? How does that all fit together? NICK: Yeah. Look, thanks for asking. You know, we really believe that as we get billions of dollars of deposits coming into Pro Life FinTech, that we actually, once we are aware of our decision choice of banking, you know, I just pray that the Holy Spirit convicts us all to gather together with that unity prayer of Jesus. You know, imagine if God does regather all the righteous stewardship of his wealth and actually starts pouring philanthropically. How many more homeless veterans found a home? How many more foster families were able to take on more children in their mission? You know, funding like Mechanics on Mission who actually help single parents who are about to lose their children to the DHS, CPS because they didn't have three hundred dollars to repair their broken car. You know, where is the church? And so the church coming together outside of the four walls with the money of God, what can we do together? And so we definitely want all people to have hope, whatever that looks like. Those are the nonprofits we want to seed into as well as, you know, trying to do what we can. We know the stories that we can't even talk about publicly or not-for-profit organizations. We know big tech, right? They shadow ban, they algorithm us out. They bury us in advertising dollars on big tech social media platforms. Well, there's that happening all the time as well in the banking industry. We just haven't heard the real reports yet that are going to come out. But this is the awareness of stewardship. This is the awareness of what philanthropically we can do stronger and bigger together. TONY: Okay, so I'm getting all this in my head and I'm a little new to all of this. You know it very well. Of course. Me, I'm a little new and I'm thinking, okay, I want to open up a bank. There's a bank down the street. I'm not going to name all the various big name institutions you've mentioned. Some of them are involved in practices that some of us may not believe in or some of us may disagree with. Yeah, that's fine. So the incentive is to look at your bank or Regent Bank because of what it stands for, because of its mission, because of its core values. And it's very open with that. So it's something to take a look at as opposed to I need a bank, I got to go and you're going to run into the same quagmire. I mean, it's almost a catastrophe today to open up a bank account. I am glad I'm not opening up one because the last time there's paperwork and paperwork, you would think you're buying a house with all the papers and all the this and spending an hour or two. I don't know. This is relatively recent. So you're going to take a certain amount of work anyways. I know the online banks, if you apply online, is a lot easier and quicker. It's a lot faster. So I'm just trying to think of what benefits. And it seems like the biggest benefit to going with your bank or your parent or the umbrella company is because of the core values of what they stand for. At least you know what it is. If I go to a local big bank, one of the big ones, I don't necessarily know what they're doing. I've learned now on The Tony D'Urso Show a little bit about what they do, but I don't know everything they're doing. I don't know where all their money is going, what corporations they're funding. I have no idea. They could be making poisons and putting it in our food. I don't know. But at least with what you're saying, at least I have a little bit more transparency. NICK: That's exactly right. And, you know, furthermore, there are some companies that have money in many banks, right? And they know, though, that the FDIC insurance only goes up to a quarter of a million. And we would have our customers in the same boat due to Regent Bank. But yeah, the core mission of that and also rejecting cancel culture, it's, if you will, a protest once you realize that you can align your banking decisions with biblical alignment. The next thing is coming together. I mean, that's what unfortunately the Jews had to do when they started getting rejected in the world a long time ago. They did loans together. They did banking together. They did everything—it was their own community. And so I feel like the overlap now and the overflow of—look, it's just the Antichrist, right? We're literally, I believe we're living in very exciting days. Let me say it that way. And it's the people who are aware of the signs of the times and know what to do in those times as well.

INTERVIEW – PART 5 (STAYING GROUNDED IN FAITH) TONY: Nick, I've seen with my own eyes and I see it to this day when a lot of money comes in to people, however much money, I see a change in personality. I see a change in habits. I see a change in practice. I see greed increase. It almost seems to be—this is my opinion—the more money you get, the greedier you can be. You know, I've just seen different things change people because they came into a large amount of money. And so I want to just bring that up, be very open. Here you are. You're very strong with your faith. You say the right things. And I believe it. It comes through as genuine. How are you going to keep to your core values when you do get the billion or whatever in your fintech? How have you thought about that and how is that going to work out for you? NICK: Look, you know, as a co-founder, we know that it's not that we found something. It's the fact that God called us to do his startup. All right. And so when it's his, you have the fear and trembling. And, you know, it's been twenty-five years now of meeting thirty-five presidents and going to eighty-four countries and addressing ten governments and, you know, being known by two point eight billion people in the world with nineteen million social media fans. You know, according to ChatGPT, I'm the tenth most influential speaker in the world. And so that's something that, you know, we know what pride is, but we also know what a steward is. And all I'm doing is stewarding every day, whether it's a million or ten million or whatever that comes up. But that's the beautiful thing about having a very strong core board of directors. And we know what happens in the Bible when people start disobeying or lying or cheating or changing their mind because they were tempted by something else. You know, as someone in the spotlight, as my uncle always said, "You want to be vocal, you got to be clean." And so that's the core mantra, if you will, of how I was raised. My parents actually were refugees fleeing communism, Yugoslavia. I grew up hearing about their stories about going to bed with hungry stomachs and having no home. Those were my parents. My grandfathers were in jail, persecuted for their faith. Their grandson. And so fleeing communism, Yugoslavia, going to Australia, starting with nothing. You know, my parents really raised me up well to understand that foremost is your relationship with God and standing before God as righteous as a human being can, but hungering and thirsting with fear and trembling, to have that joyous relationship, to understand that he's watching. And it's a joy. It's a joy to see his kingdom come and be a small part of his desire. His desire is that all churches, all Christian families, all Christian schools would actually realize what we could do stronger together for his glory. And he gets all the glory. And so I am young. I'm in my forties. I got four beautiful kids under age thirteen, a wonderful wife, and we all know what it means to be a true Christian day in, day out. No one's perfect, but we know this is God, bro. This is how it started with God. It is God and it'll end with God. We're very grounded. TONY: And you're keeping the faith. That is very, very—that is just the most important part of the whole thing, keeping that faith. Because God sees everything. He's everywhere. And he's very, very intelligent at creating creation. I mean, his intelligence is beyond intelligence. So he sees and knows what we need. There's no question about that. So staying grounded there. You can tell that he's pleased because things just do better and better and better. And doors open and there's no hardships or less hardships because you know that he's happy with it. So that's very good.

INTERVIEW – PART 6 (CHURCHES BEING CANCELED) TONY: And I'm just curious, you know, to go back, one thing you mentioned about churches getting canceled by banks—are they? And I'm very curious because I haven't heard about that being an epidemic, let's call it. I don't know how serious it is. Is this because they're being more vocal about what's right, what's wrong, about following God or not? Why do you think this is happening to churches all over the place? NICK: You know, I believe that the first cancel culture case had to do with an ammunition company. And that came about, I think it was ten years ago. So we obviously dug a little deeper into this ourselves. And there are some things we can't say because we can't prove some things. But let me say that's a fact. And we know where that came from, who started saying that. But in recent years, I mean, there are some people that have told me that they woke up and their church had a one or two million dollar credit line one day, woke up and said, "Hey, from the bank to the church, you don't have that anymore because we need to secure your credit"—basically a lot of that money. Meaning if it's a two million credit, the majority of it had to be cash secured away against that. But they didn't do anything different financially. There was also another case where a church wanted to buy a piece of land in cash, and the fine print stated that as their bank, they could actually, on larger acquisitions at a certain threshold, actually deny a cash purchase. And there are lastly, some people that are telling others that banks are basically moving away from churches. Banks are moving away from churches. And so I don't know. And that's been recent and that's been the last six months. And so this is not something that's just happened to me. There's large ministries that actually have auditing companies for non-profit organizations, and there's just been a lot of cancellations on nonprofits, on churches, on small businesses. And there was one spreadsheet that we got our hands on of one thousand canceled people back in 2023. We received that early 2023. That's one person collecting all the data. And so there is this initiative nationwide to make sure that anyone in a bank decision chair who decides to cancel someone can't just cancel people with no cause. Like they need to state why. And unfortunately, they've been able to do that still until now. Up until five states so far, they've stopped that. TONY: Well, when you look at it from their point of view, it's not a right to bank with a bank. It's kind of a privilege. But if you're accepted, you shouldn't then later just be willy-nilly just canceled. That's just the wrong thing. Oh, because there's a new policy. And just to have it happen suddenly. I totally get it. It's quite the hassle. Nobody wants that. We have to work on that.

INTERVIEW – PART 7 (MENTAL DISCIPLINE & STAYING FOCUSED) TONY: And before we go, there's one thing I wanted to mention or talk about, and that is you have a memory that I think some of us dream of having. You have this extraordinary memory. You don't rely on writing things down, right? And you've got this mental discipline. I'd love to know what advice can you give us? You know, in the business world here, how do we stay sharp and focused? How do we remember things? We're distracted. Let me tell you, so much is coming into our eyeballs and ears from all over the place. So we're being hit with data and a lot of incorrect data at times. How do you do it? NICK: First thing is first, do you really want what you really want? Meaning what do you really want? Pre-2018, what I really wanted—when my dad died in 2017, I wanted to do everything I could to learn time management skills, delegation skills, management of people skills. I've been hiring and firing since age twenty-six. And you know what I really wanted? I really wanted to be able to switch off my phone four days a week while still running two companies and a non-profit organization. And I did it, and I did it solid for six months. My phone would be off, off, off four days a week, six months straight. Last year I switched off my phone for eight weeks straight for companies and administrators. And so what I really wanted was to be a ninja of time management and focus, and you have to take that responsibility yourself. What is your goal? There's six areas of life. There's faith, family, friends, finance, fitness and fun. If you're caught in kind of like a lull or a dreary season or even depression—like I've been through depression. Most recently, in 2021, I went through counseling. I surrounded myself with friends. I had goals. I needed to focus. I mean, 2019, 2020, 2021 were the worst three years of my life and it had nothing to do with having no limbs. It's all about expectations and experiences of life and people taking advantage of you, having goals that fail, whatever that looks like for you. Set your goals. What is your goal in each of those six areas of your life and make short-term goals, mid-term goals and long-term goals. And when you adopt failure as education, you can't lose. Just make sure you don't repeat those classes that you graduated from before. And if you can do all of that in the last three and a half minutes as a quick mini-seminar from Nick V, man, you're on your way to feeling fulfilled, I think is the right terminology. TONY: It's very interesting. I think one of the things on having a good memory is, as you say, is just being committed to that project or that information or whatever that is. I seem to remember things that just surprise me, but I'm very, very focused. And if something is not correct, I think I remember things because they're true as opposed to something false. If I see—and I've done this before where I'll, you know, movies, news, whatever—false information, wrong information, incorrect information, and then you find the truth on something and just everything else disappears. I don't really remember what the bad information was because I remember the truth. And I think that has a focus, at least for me, or it has a place in being able to remember things. Just applying yourself. And of course, you know, if God, our Father wants you to remember something, you're going to remember it.

OUTRO TONY: Nick, I just want to say, I just really appreciate this. I think we've kind of covered everything. Is there anything else that you feel that we need to cover here? Because I think we've got a good handle on it. NICK: Yeah. For anyone interested in opening up an account, you can open up an account online right now. Go to ProLifeFinTech.com. We have different products there. You can open up a trust account and business account through Regent and at Pro Life FinTech homepage. There's all the buttons there for your personal checking, savings and money market account. And just Tony, thank you so much for what you do and the website again for everyone to check it out. ProLifeFinTech.com. TONY: And by the way, you have a book out, so check it out. Look up Nick Vujicic. You have a book, right? NICK: A couple of books. I have six books. But if there's any other product of me that I'll talk about, there's actually a film about my life coming out. It's a documentary on October third at all theaters all across the country. It's called No Limbs, No Limits. So check that out. And if you want updates on that, go to NickVTeam.com. Nick V as in Victor, Team—T-E-A-M. NickVTeam.com. TONY: Great. Once again, this is Nick Vujicic. We spoke about faith, grit, and building big and a whole lot of other things. Nick, I just want to thank you so much. Good advice, great information. We packed a lot in this. I'm going to listen to this again. I just want to thank you so much. It was great to have you on, my friend. NICK: Thank you, Tony. TONY: All right. Great. And if you'd like to share this with your friends, tell them about Nick Vujicic and about Pro Life FinTech and what he's been through and accomplished and how he's focused and determined. He knows where he's going, he knows what he's got to do, and he sticks to it. It's very strong. It comes through very, very clearly to me, and I really hope you get that because whatever you're doing, whatever business you're doing, whether you work for someone or you're working for yourself or you're doing something on the weekends, you're trying to make something else go, this is really going to help you. So really, I hope you can pull these gems out. And wherever you're getting this, wherever you're watching this, please follow the show. It helps to bring more amazing guests to you. All right, let's use this and let's help you move on your journey to success. Remember, just take action. Success awaits those who persevere and remain steadfast despite the odds. So sow good seeds, do good deeds. And I'll see you on the next episode.