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Dave and Dharm DeMystify

Dave and Dharm DeMystify Fintechsoundcloud.com
A unique perspective of Fintech formed through decades of designing and delivering online financial services.
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Episodes

EPISODE 50: PROTECTING VULNERABLE CUSTOMERS WITH KALGERA

In this episode, we chat with Dexter Penn, the founder of Kalgera, a company using AI to identify and protect the vulnerable from financial harm. Dexter trained as a doctor, and it was his experiences on the wards that led him to found the business.

Feb 09, 202225 min

EPISODE 49: THE HUMBLE PENNY

In this episode, Dharm and I chat with the incredible Ken Okoroafor, co-founder (with his wife Mary) of the Humble Penny, a personal finance site with the mission of helping people Create Financial Independence and Money Joy. Ken talks to us about his aims with the Humble Penny and why he believes there is an advice gap!

Feb 01, 202233 min

EPISODE 48: DIGITAL TWINS WITH JOHN BLICQ

In this week's podcast, Dharm and I chat with John Blicq. John is an Associate Director of Innovation for NAB, and also the author of the fascinating book ‘𝘿𝙞𝙜𝙞𝙩𝙖𝙡 𝙏𝙬𝙞𝙣𝙨, 𝙩𝙝𝙚 𝙉𝙚𝙭𝙩 𝙃𝙪𝙢𝙖𝙣 (𝙍)𝙚𝙫𝙤𝙡𝙪𝙩𝙞𝙤𝙣’ that explores the way the emergence of DigitalTwins and DigitalHumans will eclipse banks and insurance companies who are only equipped to service physical humans with physical assets. We discuss the book, Digital Twins and Johns view on the innovation horizon.

Jan 12, 202223 min

EPISODE 47: CHINA, CBDC's AND CASHLESS WITH RICHARD TURRIN

In this episode, our guest is the incredible Richard Turrin, who helps demystify the concept of Central Bank Digital Currencies (CBDC). Based out of China, Richard has a ringside seat on how China is transforming into a cashless society - a theme picked up in his latest book Cashless. He talks us through what a CBDC is and why he believes they are the future.

Jan 05, 202231 min

EPISODE 46: SME AND COMMERCIAL FINTECH WITH SANTANDER TOMATOPAY

In this weeks episode, we talk to Nick Heller, CEO and Founder of the fintech Tomato Pay and Jonathan Holman, Head of Digital for Corporate & Commercial Banking at Santander, about SME's being an underserved segment and how a fintech and a bank are collaborating to address that.

Dec 27, 202124 min

EPISODE 45: MONUMENT BANK

In this weeks episode, we chat with John Saunders and Conor McDermott from Monument Bank. Monument has recently been awarded a full and unrestricted bank licence in the UK. It has a very targeted proposition focusing on lending and saving to the affluent. John tells us about the history of the bank, and Conor talks to us about how the lending products can add real value to customers.

Dec 15, 202125 min

EPISODE 44: THE RISE OF TECHNOSOCIALISAM WITH BRETT KING RICHARD PETTY

Our guests are Brett King and Richard Petty, who talk about their new book: The Rise of Technosocialism: How Inequality, AI and Climate Will Usher in a New World. In this very timely publication, we discuss how the confluence of Climate Change, Technology and Social changes will profoundly affect society and how humanity can respond.

Nov 21, 202134 min

EPISODE 43: CARBON FOOTPRINTS & TRANSACTIONAL DATA WITH ECOLYTIQ

This week we chat with Ulrich Pietsch, CEO and co-founder of Ecolytiq, a company based out of Germany that provides a Sustainability-as-a-Service® solution that enables financial institutions to offer their customers environmental footprinting and personalised impact offsetting and ESG investments.

Nov 10, 202122 min

EPISODE 42: SATOSHI BLOCK DOJO part 2

This week in part 2 of a 2 part special, we chat with Craig Massey and Richard Boase from Satoshi Block Dojo about their mission to educate, train and elevate start-up entrepreneurs. We talk about the opportunity, the BSV (BITCOIN) standard, and why they are both convinced Craig Wright is Satoshi Nakamoto.

Nov 03, 202124 min

EPISODE 41: SATOSHI BLOCK DOJO Part 1

This week in part 1 of a 2 part special, we chat with Craig Massey and Richard Boase from Satoshi Block Dojo about their mission to educate, train and elevate start-up entrepreneurs. We talk about the opportunity, the BSV (BITCOIN) standard, and why they are both convinced Craig Wright is Satoshi Nakamoto.

Oct 29, 202121 min

EPISODE 39: WOMEN AND FINANCE WITH FINANCIELLE

Laura and Holly Pomfret set up Financielle, a service aimed at helping women become more financially confident and adept. They realised that many financial products do not speak to women, leading to a lack of trust, low financial confidence and a lack of action when it comes to investing for the future.

Oct 14, 202125 min

EPISODE 38: FINTECH IS DEAD, LONG LIVE PROPTECH WITH PAUL SCHULTE

Paul Schulte helps demystify Crypto, Proptech and how China is using these technologies to transform society and the implications for the West. Paul is the founder and editor of Schulte Research, a company researching banks, financial technology, bank algorithms and credit algorithms. He has just written a book about the digital transformation of property in China. We chat crypto, prop-tech, 5G and AI.

Oct 05, 202123 min

EPISODE 37: UNDERSTANDING ESG WITH GIHAN HYDE

This week, our guest is Gihan Hyde. Gihan has recently launched Communique, a consultancy focused on helping brands with their ESG communications. Gihan helps demystify ESG and talks about why it is so important to fintechs and the FS industry more broadly.

Sep 17, 202131 min

EPISODE 36: SOCIAL MEDIA EXCELLENCE WITH NUBANK

This week we chat with Paula Rothman, the Social and Content Lead from the Brazilian bank Nubank. Paula talks to us about why Nubank is so successful at harnessing the power of social media. Nubank has over 40 million customers and a valuation of $55bn, so they must be doing something right!

Sep 08, 202122 min

EPISODE 34 : THE ORIGINS OF DIGITAL BANKING WITH BRIAN COX

Listen in to some proper fintech history as Dharm and I look back to when we worked with the Woolwich Building Society to deliver online and mobile banking in the late 1990's. We are joined by Brian Cox who was the project lead at the time. The Woolwich were pioneers and we were lucky to be there. The Woolwich was later sold to Barclays.

Aug 23, 202123 min

EPISODE 33: PURPOSE DRIVEN BANKING WITH CHRIS SKINNER

We chat with Chris Skinner about purpose-driven banking and some of his predictions for the future that have come true. Chris Skinner is known as one of the most influential people in technology and an independent commentator on the financial markets and fintech through his blog, the Finanser.com.

Aug 08, 202124 min

EPISODE 32: HYPER-PERSONALISATION WITH PERSONETICS

In this weeks episode, we talk to Dorel Blitz VP of Strategy and Business Development at Personetics. Dorel talks to us about how personalisation is delivering customer value through the Personetics platform, and how automation and self-driving finance are the future.

Jul 28, 202122 min

EPISODE 31: DEMYSTIFYING FINTECH IN AFRICA WITH BENJAMIN FERNANDES

In this weeks episode, Dharm and I chat with Benjamin Fernandes. Benjamin is the founder of Nala (https://www.iwantnala.com/), a fintech based out of Tanzania. Nala is on a mission to make remittances to East Africa, faster and cheaper. Benjamin's story and passion for solving problems speak to the incredible story that is FinTech in Africa!

Jul 21, 202122 min

EPISODE 30: HELENE PANZARINO TALKING ABOUT SME BANKING

Our guest this week is Helene Panzarino. Helene is an experienced fintech professional, former banker, investment readiness consultant & business advisor. She is a creator of fintech innovation programmes, lecturer, board member and author. Helene talks to us, about SME banking.

Jul 08, 202124 min

EPISODE 29: SME BANKING WITH MARTIN HYDE FROM HSBC KINETIC

This weeks guest is Martin Hyde, the Head of HSBC Kinetic, the recently launched mobile banking proposition focused on small businesses. Martin talks about why the Bank launched Kinetic and how it fits into HSBC's portfolio of commercial offerings. He also talks very passionately about why a customer-led, design thinking approach was adopted for the project to get Kinetic launched.

Jun 28, 202119 min

EPISODE 28: BANKING, BaaS AND THE DIGITAL BRAIN WITH WARBURG AND VODENO

In this specially extended show, our guests are Peter Deming, Warburg Pincus's MD for London and European Head of FS and Tom Bentley CCO of Vodeno, one of Warburg's recent acquisitions. We chat about Warburg's vision and acquisition strategy and how these are being driven by the seismic changes happening in financial services, including embedded banking, Baas, mobile and enriching the customer experience through insight and data.

Jun 22, 202130 min

EPISODE 27: BUILDING SOCIETIES, FINTECH IN THE AID SECTOR AND WALES WITH BEN JOAKIM

On this week's show, we welcome Ben Joakim. Ben is currently Head of Strategy for Principality Building Society and is a NED for FinTech Wales. He was previously founder and CEO of a FinTech start-up Disberse (https://www.disberse.com/), whose mission was to ensure greater transparency, velocity and accountability between donors and receivers in the aid sector. Ben talks about his experience at Disberse. He then chats about the challenges and opportunities for the building society sector and abo...

Jun 04, 202119 min

EPISODE 26: DIGITAL TRANSFORMATION WITH DAN PHIPPS

In this episode, the 2 D's become 3, as Dave and Dharm chat to Dan Phipps from Truth Consulting Partners about Digital Transformation. Dan was until recently Head of Digital for HSBC in Asia and was one of the driving forces behind digital change and adoption in the Bank. Dan gives us the benefit of his experience over the last decade, providing valuable observations and insight that will appeal to anyone with an interest in Digital Transformation at scale.

May 26, 202123 min

EPISODE 25: FINTECH IN AFRICA WITH SAMORA KARIUKI

This week, Dave and Dharm talk to Samora Kariuki from Finbank S.A. in Burundi about FinTech in Africa. Samora is incredibly knowledgeable and insightful about the topic having worked in digital finance for many years. A big takeout; how digital is truly globalising so much. Samora publishes a brilliant newsletter: Fintech Frontier (https://frontierfintech.substack.com/) which is well worth subscribing to.

May 20, 202121 min

EPISODE 24: A PERSPECTIVE ON FIN TECH IN ASIA WITH THOUGHT MACHINE AND SYNPULSE

Dave and Dharm have a fascinating discussion with Yves Roesti and Fraser Wilkie of Synpulse and Nick Wilde from Thought Machine about why Asia is rapidly becoming one of the most advanced regions for FinTech. Tied into this, we also discuss why the future of digital FS requires a much more creative and customer-centric approach.

May 08, 202124 min

EPISODE 23: JIM MAROUS

In this episode, Dave and Dharm look across the fintech landscape and chat with Jim Marous about a wide range of topics, including the trip to China that Dave and he went on last year. Jim offers such a wise perspective on what is going on and truly demonstrates, why he is one of the top 5 fintech influencers in the world.

Apr 23, 202126 min

EPISODE 22: WEALTH TECH WITH APRIL RUDIN

In this episode, Dave and Dharm talk to the amazing April Rudin about WealthTech. She helps demystify the digital opportunity in wealth management and gives a direct and honest appraisal of key trends in wealth management including mobile and social media. April is CEO of the global wealth management marketing firm, The Rudin Group, (https://therudingroup.com) and has been recognised by Onalytica as the #1 wealth management influencer online.

Apr 13, 202125 min

EPISODE 21 : JERRY BLANTON AND THE IMPORTANCE OF THE BRAND

In this weeks episode, Dave and Dharm chat to Jerry Blanton. Jerry was formally the Head of Customer Experience Design and Marketing at CitiBank FinTech Asia and EMEA, based out of Singapore. Jerry talks through why the Brand is important and helps demystify why it is so much more than a logo and corporate colour palette.

Apr 07, 202119 min
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