Today, we're joined by two excellent guests to discuss recent developments and new opportunities in emerging markets fintech. Ameya Upadhyay is a Principal at Omidyar , an impact fund that has deployed over $1.3bn over the past 10 years. Asad Naqvi is Managing Director of Apis , a growth stage private equity fund focused on Emerging Markets. We originally connected with Ameya in Episode 39 in May 2017. If you like today's episode, check that one out too at www.bankingthefuture.com. In this conve...
Jun 26, 2018•46 min
Today we have an epic line up to discuss the ever evolving topic of Open Banking. Formally implemented as law in Europe in January as PSD2 in Europe and Open Banking in the UK, we're still in the very early days of what will be a transformational change in financial services. Joining us to discuss current developments in Open Banking and where we're headed from here are Louise Beaumont , Co-Chair of techUK 's Open Banking & Payments Working Group and a member of the Open Banking Implementation E...
Jun 19, 2018•57 min
Today, we're thrilled to be joined by four entrepreneurs working with data to change the world. Julian Ranger is the Chairman of digi.me, a platform that allows users to take back ownership of their data currently spread around the web and use it to their own benefit. Aneesh Verna is the Founder and CEO of Aire, a new breed of credit bureau improving access to credit. Charles Bradley and Hannah Leach are from Adapt, an advisory firm helping companies build strategies and governance around data. ...
Jun 12, 2018•46 min
Today, we’re joined by two entrepreneurs making credit more understandable and accessible for people. Freddy Kelly is the Founder of Credit Kudos, a new model credit bureau making better data available to lenders. Matt Ford is the Founder of Pariti, an app built to help consumers improve their credit and qualify for new products. Pariti was recently acquired by UK challenger bank Tandem, who we've had on the podcast before. To help people get oriented, Freddy’s voice is the one you’ll hear in re...
May 29, 2018•42 min
Gab Columbro is the Executive Director of FINOS , the fintech open source foundation. FINOS is creating an open source movement in banking and financial services the same way open source technologies like Linux, Firefox, Wordpress, Hadoop, NodeJS and many more have done for tech. Born out of Symphony, the open source platform launched to rival Bloomberg, FINOS has expanded to cover a range of technologies. In this conversation, we get into the benefits of transparent code, the challenges of gove...
May 22, 2018•34 min
Dan Ramsden is the Chief Financial and Strategy Officer of StockTwits. StockTwits is a social media platform designed for sharing ideas between investors, analysts and traders. Founded in 2009, the company has been called one of the "50 best websites" by Time Magazine and one of the "top 10 most innovative companies in finance" by FastCompany. StockTwits has 3 million monthly active users, who spend an astonishing 51 minutes per day on the platform, on average. I thought this conversation was fa...
May 07, 2018•43 min
This episode is different. It’s part of a conversation I had with three smart and experienced entrepreneurs and thinkers, who all happen to work in fintech. Maybe I’ll released the extended version of the discussion at some point, but today I wanted to focus on a part of it. Artificial intelligence and automation are becoming powerful forces of change in the world today, and the impacts of these technologies will shape the next few decades at least. Charlie Delingpole is the Founder and CEO of C...
May 01, 2018•30 min
Robin Tombs is a serial tech entrepreneur and investor. He is the CEO and Co-Founder of Yoti, a digital identity platform enabling secure onboarding anywhere online or in-person. Prior to Yoti, Robin co-founded Gamesys, one of the world's leading online gaming operators. He is also an angel investor in a handful of technology companies and a trustee of Future First. Today's conversation is a fascinating glimpse into what the future of data, privacy and identity might look like. Connect with us o...
Apr 24, 2018•38 min
Today's topic is corporate culture: what works, what doesn't, what needs to change and how. We're joined by three extremely qualified guests to dig into this hairy topic. Duena Blomstrom is the author of Emotional Banking , a book looking at culture in banking specifically. Sharon O'Dea is the former Head of Digital Communications at Standard Chartered and current communications strategy consultant. Alessandro Hatami is the former Group Digital Director at Lloyds Bank and currently advises Tier ...
Apr 17, 2018•42 min
Kevin Beardsley is the Managing Director of B2C2 , a leading cryptocurrency marketmaker. and one of the 40 coolest people in UK fintech , according to Business Insider. B2C2 provides 24/7/365 liquidity for half a dozen of the leading crytocurrencies in all of the main fiat currencies, plus synthetic exposure to crypto. In his role, Kevin is uniquely positioned to comment on how the institutional investment community interacts with crypto and where the space is going. Prior to joining B2C2, Kevin...
Apr 10, 2018•33 min
Suresh Vaghjiani is the Managing Director of Global Processing Services, a card processor supporting some of the best known fintechs including Monzo, Starling, Revolut, Curve, Osper, Pockit and more. Suresh brings a potentially dry subject to life with some pretty interesting examples of where card technology is going and what new experiences are likely to appear over the next few years. Connect with us on twitter @rebankpodcast or on LinkedIn, Facebook or YouTube. Thank you very much for joinin...
Apr 03, 2018•43 min
Gregg Schoenberg runs The Financial Revolutionist , a weekly newsletter touching on some of the most interesting developments in financial innovation and linking them in interesting ways to all sorts of social and cultural considerations. Prior to starting the FR, Gregg was a senior executive at Natixis, a French bank, where he ran equities. The FR is published weekly, and you can subscribe at thefinancialrevolutionist.com. Some of the highlights from recent editions include interviews with Max ...
Mar 27, 2018•40 min
Today we have the great pleasure of catching up with Cristina Alba Ochoa , CFO, and Valentina Kristensen , Head of Marketing, of OakNorth , one of the UK's leading banks. You thought I was going to say leading challenger banks, which of course they are, but I think it's fair to say they're punching well above their weight. We sat down with OakNorth's co-founder Joel Perlman way back in episode 12 , where we got into the founder's story. It's still a highly relevant conversation, and I'd encourag...
Mar 20, 2018•34 min
Anders La Cour is the co-founder and CEO of Saxo Payments Banking Circle, a utility layer providing global transaction processing and payments to the banking industry. Many people talk about banks becoming a backend, payment processing utility layer, and Anders is actively building a business to play that role. Anders is a lawyer by training and worked in M&A advisory and Venture Capital prior to starting Banking Circle. If you enjoy today's episode, check out the entire back catalog at www.bank...
Mar 13, 2018•25 min
Today the focus is on alternative lending, one of the original fintech verticals. Surprisingly, in nearly 80 episodes, we've never gotten deep into alternative lending. After holding off for so long, today we're hitting you with two interviews, one with Jens Woloszczak, the founder and CEO of Spotcap, and the second with Christoph Rieche, founder and CEO of iwoca. As one of the earliest areas of fintech focus, lending has come a long way, and certainly had it's ups and downs - perhaps more to co...
Mar 06, 2018•58 min
Sam Maule is Managing Director, North America for 11:FS, a UK-based digital consulting firm. Prior to joining 11:FS, Same led Digital and Fintech for NTT Data, and before that, he worked on product at TSYS, a card processor. Sam is the host of the Connection Interrupted podcast, where he interviews guests about their experiences with technology. As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com. If you enjoy today's show, please subscribe on iTun...
Feb 27, 2018•48 min
Hiroki Takeuchi is the Founder and CEO of GoCardless, a London-based fintech that simplifies recurring payment collection for businesses. GoCardless has raised $47m to date and is backed by the likes of Balderton, Accel Partners, Passion Capital and Notion Capital. Hiroki and his co-founders, including Tom Blomfield, now of Monzo, who joined us on the podcast way back in episode 17, went through Y Combinator in early on and have some interesting stories about that experience. Today's conversatio...
Feb 20, 2018•36 min
Today we’re thrilled to be joined by Nigel Walsh, aka Mr. InsurTech. Nigel is a partner in Deloitte’s Financial Services technology practice, where he focuses on insurtech. With a background in end to end technology transformation, Nigel works with insurers on the journey to becoming truly digital. Prior to joining Deloitte, Nigel led the UK Insurance business for Capgemini, where he advised UK and European Insurance companies on major systems replacements and technology transformation projects ...
Feb 12, 2018•44 min
Russ Shaw is the Founder of Tech London Advocates (TLA), a private sector led group of leaders promoting London's technology sector and addressing the issues on the horizon. The group is a not-for-profit community of individuals with aspirations to build and promote London as a world leading digital and technology city. Russ has led a long and illustrious career in technology and telecom, including serving as the Chief Marketing Officer of O2, the Global Innovation Director for Telefonica and Ma...
Feb 05, 2018•43 min
Jon Stein is the CEO and founder of Betterment, one of the leading roboadvisors in the US. After amassing experience advising banks and brokers on risk and products, Jon founded Betterment in 2008 to make people's lives better. Jon is a graduate of Harvard University and Columbia Business School. He holds Series 7, 24, 63 licenses and is a CFA charterholder. Jon's interests lie at the intersection of behavior, psychology, and economics, all of which we get into in today's conversation. If you en...
Jan 30, 2018•38 min
Antony Jenkins is the Founder and Executive Chairman of 10x Future Technologies, a UK-based fintech company creating digital platforms for banks. Antony is also Group Chairman of Currencies Direct, an FX and international payments provider, a board member of Blockchain, one of the leading software platforms for digital assets, backed by the likes of Lightspeed, Google Ventures and Sir Richard Branson. Antony also sits on the digital advisory council of Fannie Mae and is a member of a consultativ...
Jan 23, 2018•40 min
Megan Caywood is the Chief Platform Officer at Starling Bank, one of the UK's newest and most tech forward banks. Megan is responsible for the design and development of Starling's API strategy and the bank's marketplace, both of which we discuss in detail in today's conversation. And what a timely conversation it is. PSD2 in Europe and Open Banking in the UK took effect on Saturday, January 13th, the day after we recorded this episode, making effective one of the most dramatic changes to the ban...
Jan 16, 2018•36 min
Today, we welcome back our good friend Lawrence Wintermeyer, former CEO of Innovate Finance. Lawrence now works with a range of institutional investors and companies to help them capitalize on the shifts underway as part of the digital revolution. Lately, he's been doing a lot of work in cryptocurrency and tokens, the topic we pick up today. We also connect with Oliver Oram, founder of Chainvine, a blockchain company, and lead advisor to MindArk, a video game developer preparing an ICO. We get i...
Jan 09, 2018•58 min
Today, we're thrilled to be joined by Jamie Campbell and Nina Mohanty of Bud, one of the most compelling fintech apps around. Despite its startup status, Bud has hit some major milestones and is working on a project with HSBC and First Direct that see them integrated directly into the incumbents' apps, in what could be a watershed moment for fintech. In addition to their super cool business, they're also just great people. Give them a shout @JCtheOriginal and @NinaMohanty, and invite them to you...
Jan 02, 2018•35 min
Benedetta Arese Lucini is the co-founder of Oval Money, an app helping people save more and improve their financial lives. Prior to starting Oval Money, Benedetta ran Uber in Italy, launching it in that country and running it for three years. And what a journey that was. We get into that experience, which is mind blowing. In addition to her interest in tech and fintech, Benedetta is an advocate for political reform and women's rights in Italy and a radio broadcaster. It was a blast catching up w...
Dec 19, 2017•53 min
Alessandro Hatami is the former Group Innovation Director at Lloyds Banking Group and current Managing Partner at Forestreet. Alessandro bring a grown-up view to fintech. Working closely with incumbents on fintech strategy, he has great insight into the way larger players are positioning themselves in a changing FS landscape. Today, we get into what big tech players are likely to do with regards to banking, and what that means for banks. I assure you the conversation itself is much more interest...
Dec 12, 2017•31 min
Ella Rabener is the co-founder and Chief Marketing Officer of Scalable Capital, a technology-driven investment management platform for retail investors. Scalable Capital has raised 41 million Euros in funding from BlackRock, Holtzbrinck Ventures and Tengelmann Ventures. Scalable employs over 50 people in offices in Munich and London. I think this is one of the most interesting conversions we've ever had on the show. It's a bit long, but it's highly worth listening to through to the end. Ella dro...
Dec 05, 2017•57 min
Fiona Mackenzie is CEO and founder of marble, a personal financial management app. Fiona has spent most of her career as an actuary in insurance and pensions and is looking to bridge the gap between what people are doing with their money and what they could be doing to better achieve their goals. What do you think of the personal financial management tools you've used? What will the future of this space look like? Let us know on Twitter @rebankpodcast or via Facebook. Got ideas for the show? Ema...
Nov 28, 2017•45 min
Stephane Malrait is a Managing Director and Global Head of Financial Markets eCommerce at ING. In that role, he effectively leads ING's electronic trading business as market maker and on behalf of clients. Stephane also sits on the Innovation Council of ING Bank and the Innovation steering committee of ING London. Today's chat was an interesting one looking at fintech for capital markets and where the opportunities lie. Join us behind the scenes as we prep our upcoming shows. Email us at will.be...
Nov 21, 2017•40 min
Paul Taylor is the founder and CEO of Thought Machine, a brand new banking platform combining a Google-like approach to software with bank-like requirements for functionality. Prior to Thought Machine, Paul headed the text-to-speech group at Google. He joined Google in 2010 when they acquired his company, Phonetic Arts. Phonetic Arts developed speech synthesis technology and was based in Cambridge, England. Paul has a PhD in Speech Technology Research from Edinburgh University and started his ca...
Nov 14, 2017•37 min
