Welcome to the 100th episode of Inc. Uncensored, hosted by Inc. editor James Ledbetter.

Senior editor Danielle Sacks talks about a recent report by McKinsey Global Institute that says automation technology will replace about 5 percent of all jobs globally, but it will take decades. In addition, the report found that 49 percent of all tasks currently being done by workers, from clerks to CEOs, can be automated by 2055 with technology that already exists today. The report explains how automation will first transform the nature of work and eventually replace millions of jobs. Although McKinsey says it will take decades, the entire work force is vulnerable to automation. The Inc. crew discusses how companies will need to balance increasing efficiency and profitability with the ethical and moral questions of whether or not their companies should help train workers for jobs that cannot be replaced by software.

Staff writer Will Yakowicz talks about how Circle Pay, a financial services startup co-founded by Jeremy Allaire and Sean Neville, has become a social payment app that allows people all around the world to send money to each other via text message. Circle, which started as a bitcoin wallet, has pivoted to become a global spending account that allows users to send and receive money across the U.S., U.K., E.U., and parts of Asia. Its technology works like any other messaging service but instead of just a message, money is transferred from one person to another instantly, no matter what currency or in what countries either person resides. Find out why the company moved away from bitcoin to create a currency agnostic, global social payment app.

Lastly, the crew interviews Gary Steele, the founder of cybersecurity company Proofpoint, about how he took the company public and the challenges he faced before the IPO.

As always, you can listen to individual episodes of the Inc. Uncensored podcast on the Panoply network or on iTunes, where you can also subscribe.