Breaking Banks Europe

Host Don Ginsel speaks with Jos van Kerkhof, Country Manager at Visa Netherlands, about key developments in fintech across Europe. They discuss Visa's strong growth in the Dutch market, innovations in fraud prevention, and the rollout of Visa Debit to align with local payment habits. The conversation also covers broader industry trends, including the growing role of AI in commerce, such as Google's new shopping agent and Visa's own intelligent commerce initiative. Jos shares insights on the maturing crypto space, including Visa's stablecoin initiatives and Coinbase's commendable response to a recent data breach. They examine the rise of stablecoins, the impact of EU regulation like MiCA, and the potential for blockchain-based infrastructure to transform payments. The episode also highlights the importance of digital wallets, Europe's push for greater payment sovereignty, and Visa's vast global money movement network. Both guests look ahead to Money20/20 Europe in Amsterdam, where the industry will gather to shape fintech's future.

In this episode of News From The Fintech Front, host Matteo Rizzi is joined by Alexander Gaillard, CEO of InvestGlass, to discuss the biggest fintech stories of January 2025. The month saw a major funding round in Europe, with French fintech Swan raising €42M to expand embedded banking across the continent, highlighting strong investor confidence in the sector. In payments, Elon Musk's X announced a partnership with Visa Direct to power X Money, introducing real-time P2P payments for U.S. users. Meanwhile, the AI space saw a significant development as OpenAI launched o3-Mini, a powerful reasoning model aimed at countering rising competition from DeepSeek. Additionally, the financial infrastructure space witnessed a key partnership as Euroclear signed a seven-year deal with Microsoft to modernize operations through cloud computing and AI. With Alexander Gaillard's expert insights, this episode explores how these developments are shaping the fintech landscape in 2025. Follow Alexandre: https://www.linkedin.com/in/alexandre-gaillard-fintechinvestglass.com

In this episode of The Bankers' Bookshelf series for Breaking Banks Europe, hosted by Paolo Sironi, Nicola Bilotta, a Senior Research Associate at the Florence School of Banking and Finance, delves into the evolving landscape of international reserve currencies and monetary systems. Bilotta discusses the forces driving the transformation—economic dislocation, geopolitical shifts, and advancing technology—while addressing the global dissatisfaction with the US dollar. He explains how countries like China and the European Union are exploring digital currency initiatives, each with distinct motivations: China aiming for monetary control, while Europe seeks strategic autonomy and a pan-European payment system. Bilotta also explores why the US has been slow to adopt a digital dollar, citing political skepticism and fears of losing influence. The conversation highlights future scenarios, including fragmentation, digital dominance, and global shifts. This insightful discussion is based on Bilotta's book The Geoeconomics of Money in the Digital Age, and marks the transition of The Bankers' Bookshelf series into its own show since 2025. Get the book: https://www.routledge.com/The-Geoeconomics-of-Money-in-the-Digital-Age/Bilotta/p/book/9781032812168?srsltid=AfmBOoo8O35JN-o-TBvUnGfDzfkpYPrfiivuGtVQi89w_TH6sgnGHJkA FOLLOW THE NEW SHOW: https://provoke.fm/show/the-bankers-bookshelf/

In this episode, Anthony Day, Managing Partner at Midnight, sits down with Matteo Rizzi to explore the major shifts in 2024 and early 2025 in the world of digital asset finance, tokenization, and AI technologies. Matteo announces that Breaking Banks Europe will transition from a weekly to a monthly show, while introducing new monthly series Breaking Banks Africa and a spin-off of #BBE, Paolo Sironi's success The Bankers' Bookshelf. The conversation dives into key topics like decentralized finance, the evolving landscape of AI, and the challenges surrounding data privacy and asset tokenization. Join us as we unpack the future of finance and explore the opportunities shaping the financial sector in this insightful discussion. ‌ Follow Anthony: https://www.linkedin.com/in/anthonyjjday/ ‌

In an insightful conversation at the Singapore FinTech Festival with CXO Conversations, Valeria Ndapunikwa Mbango and Tune Hafo Brock from the Bank of Namibia and host Matteo Rizzi discussed the nation's progressive approach to driving fintech innovation. They highlighted initiatives like the Artificial Intelligence and Robotics Accelerator Lab in partnership with NUST, aimed at building tech talent locally. The Bank is also spearheading projects such as instant payment solutions for financial inclusion, a regulatory technology platform for real-time data use, and exploration of Central Bank Digital Currencies (CBDCs) for cross-border efficiency. Acknowledging Namibia's small population as a challenge, they emphasized the need for collaboration among startups, banks, and international investors. With a focus on interoperability, tourism-linked fintech opportunities, and fostering entrepreneurship, the Bank aims to position Namibia as a unique player in Africa's digital ecosystem. Their mindset reflects a commitment to innovation, inclusion, and partnerships, paving the way for the nation's financial transformation.

The podcast explores Morocco's evolving fintech and innovation landscape, highlighting its potential as a hub for technological and economic growth. Despite challenges like a large unbanked population and bureaucratic hurdles, fintech startups are bridging gaps with innovative, user-friendly solutions, supported by collaborations with traditional banks and regulators. Morocco's adoption of cryptocurrencies, upcoming regulations, and focus on emerging technologies, such as AI and green energy, reflect its commitment to modernization. Initiatives like UM6P university emphasize nurturing local talent, crucial for driving innovation. Morocco's stability, low costs, and strategic location also attract digital nomads and investors, particularly in real estate and hospitality, which are poised for growth. ‌ Connect with Yassine: https://www.linkedin.com/in/yassine-loqmane

In this month's installment of News From The Fintech Front, Silvia Attanasio, Mico Curatolo, and host Don Ginsel dive into the future of European finance, focusing on the digital euro and the impact of new regulations such as MiCAR. Silvia Attanasio shares her perspective on the digital euro, highlighting its potential for innovation but stressing the need for clarity in regulation. Mico Curatolo discusses the opportunities and challenges MiCAR brings, such as standardizing the crypto market and enhancing consumer protection, while acknowledging the complex compliance journey ahead. Silvia calls MiCAR a "Frankenstein" of regulations, blending payment and financial instruments law, and emphasizes the need for more clarity. Mico talks about the opportunities for collaboration across the industry, while Don Ginsel facilitates the conversation, noting the importance of creating a unified European financial infrastructure. They all agree on the necessity of working with regulators to drive innovation while maintaining security and compliance. ‌ Follow our guests: Mico Curatolo: https://www.linkedin.com/in/mico-curatolo-57a18497/ Silvia Attanasio: https://www.linkedin.com/in/silviaattanasio/

At this year's Web Summit Lisbon, Matteo Rizzi took the mic to host two riveting live interviews on Breaking Banks Europe, bringing fresh insights from two of the brightest minds in fintech. First, he sat down with Ali Nikham, the visionary CEO and founder of bunq, a digital banking disruptor on a mission to offer transparency and a customer-first approach to financial services. Ali shared how bunq is challenging the traditional banking model and navigating the complexities of regulation while empowering users to take control of their finances. Next, Matteo caught up with Jaidev Janardana, the dynamic CEO of Zopa, one of the trailblazers in the peer-to-peer lending space. Jaidev shared the journey from P2P lending to full banking services, revealing how AI, data, and a customer-centric approach are shaping the future of finance. He also emphasized the importance of small steps toward financial literacy to help people thrive. The interviews showcased how fintech leaders are changing the game and making an impact worldwide! Connect and learn more: Ali Nikham - https://www.linkedin.com/in/ali-niknam-50253913/ bunq.com ‌ Jaidev Janardana - https://www.linkedin.com/in/jaidev-janardana-a4071b3 zopa.com

In this episode of The Banker's Bookshelf, host Paolo Sironi and guest Khrystyna Kushnir discuss insights from the IBM report, Banking for Small and Medium Enterprises: Serving the World Economy. The report highlights the evolving needs of SMEs, including access to finance, market entry, and business support, with a notable focus on technology integration. While bankers emphasize branch accessibility and app usability, SMEs seek personalized solutions, ecosystem integration, and super apps that address both banking and business needs. Key differences across regions are highlighted, such as the U.S. focus on branch access versus India's emphasis on mobile apps, influenced by government-led digital adoption. Both bankers and SMEs agree on the value of instant payments and cash flow forecasting, while SMEs also prioritize fraud monitoring and regulatory support. The episode underscores the role of AI in risk management and invites listeners to read the report, available at: https://www.ibm.com/downloads/documents/us-en/10c31775c8d402bb ‌ Khrystyna Kushnir is an Operations Officer with the International Finance Corporation's Corporate Strategic Initiatives, Analytics, Learning, and Knowledge Management group. She initially joined IFC in 2018 as the Knowledge Management and Content Lead for the SME Finance Forum, focusing on small business research. Previously, Khrystyna held research positions at the World Bank Group, which she joined in 2010. Her earlier professional experience includes roles with the European Union, a Japanese consulting firm, and a Washington, D.C.-based think tank. Khrystyna holds an M.A. in International Economic Relations from American University, where she studied as a Fulbright scholar. Connect now: https://www.linkedin.com/in/khrystyna-kushnir/ ‌ Paolo Sironi: https://www.linkedin.com/in/thepsironi/

In Episode 252 of News From the Fintech Front, host Roberto Capodieci is joined by fintech expert Devie Mohan, co-founder and CEO of Burnmark, known for her influential research and advocacy for bank-startup collaboration. Together, they explore the UK's dominance in European fintech, capturing 65% of deals despite reduced funding, with highlights from Monzo's $5.9 billion valuation. Topics include Central Bank Digital Currencies (CBDCs) focused on decentralization and privacy, alongside AI data privacy concerns due to unconsented data usage. They also discuss AI's transformative impact on banking roles and Hong Kong's recent virtual asset platform expansions, marking its ambition as a digital finance hub. This episode offers an insightful look into the innovations, challenges, and regulatory shifts shaping fintech today. Connect with Devie Mohan: https://www.linkedin.com/in/deviemohan

In this episode, host Elizabeth Kleinveld speaks with John Lombela, founder and CEO of Axalio, about how fintech innovations are transforming the mining industry in Africa. John explains how Axalio empowers small-scale miners by providing access to modern equipment, financial education, and direct global markets, helping them increase safety, improve income stability, and reduce environmental harm. Through blockchain and geospatial technology, Axalio ensures transparency and legal compliance, while reinvesting in local communities to build schools and hospitals. The conversation also touches on expanding these solutions to Latin America and Southeast Asia. ‌ John Lombela: https://www.linkedin.com/in/johnlombela/ Axalio.com Serial entrepreneur and technology leader with over 17 years of experience in managing complex projects across diverse industries. As the Founder and CEO of Axalio.com Technologies, he focuses on innovative financial solutions in emerging markets, emphasizing transparency and ethical sourcing in mining operations. John holds a bachelor's degree from Tshwane University of Technology in South Africa and has founded multiple successful startups.

In this special 250th episode of Breaking Banks Europe, titled “Fintech in a Word,” Matteo Rizzi celebrates 500 unique guests and 5 years of the show, by leading an insightful conversation with the six hosts, each reflecting on the one word that represents the last 15 years in fintech. Matthias Kroener emphasizes the importance of culture in shaping fintech's future, while Paolo Sironi focuses on strategy as the key to success. Roberto Capodieci looks ahead, discussing the future of the industry and how it's evolving. Elizabeth Kleinveld sees possibilities in every challenge fintech has faced, and Don Ginsel describes the industry's exciting journey as a true rollercoaster. Francesca Aliverti highlights inclusion, with a special focus on emerging markets in EMEA. Finally, Matteo Rizzi shares his thoughts on the crucial role of talent, particularly upskilling through initiatives like Timepledge.org. Join us as we celebrate 250 episodes and reflect on our favorite show moments from the past five years!

In this installment of The Bankers' Bookshelf - guest and host roles mix in a discussion exploring the transformation of banking in the platform economy, focusing on embedded finance and conscious banking. Banks are shifting from traditional product-centric models to value-added services, leveraging data to offer personalized, outcome-driven solutions, especially for small and medium-sized enterprises (SMEs). The conversation with Panagiotis Kriaris also highlights the importance of advisory platforms, where banks help clients make informed decisions, shifting value from products to relationships. Examples like Amazon show how transparency and data enablement can drive trust and engagement, shaping the future of banking through technology and customer-centric strategies. “Banks and Fintech on Platform Economies: Contextual and Conscious Banking” is the chosen work of the month, written by #BBE's resident host, Paolo Sironi. Get the book: https://www.amazon.com/-/pt/dp/1119756979/ref=sr_1_1?dib=eyJ2IjoiMSJ9.J9gh56H_DWuXjGWWUkdSYHU1M7BnvSKemankVx-6P4Fn7blQ6B19gyxjKT1gydTuzxr-en7ZdiYzkRvghKHhgN5H5IIlVfjGcPxtlc7O5QtqaMQNMrGJx2it0K3oodj9GsRbev3iKd4p32y16gwyWd5zwBdk4wJEEZq1oTYO6KNuabGfYpuNfO7clbUbSXLp.IzbK2jMEGiYQ3myvD_U9UdkOrkbV4Ej6oJs_gof4wRw&dib_tag=se&qid=1728041542&refinements=p_27%3APaolo+Sironi&s=books&sr=1-1 About our guest: Panagiotis Kriaris https://www.linkedin.com/in/pkriaris https://www.unzer.com/en Panagiotis has spent his career on the borderline between business and technology with a leadership background at an international level. Panagiotis brings senior expertise across Financial Services, Banking, Payments, FinTech, Retail and E-Commerce. Innovation, strategy, business development, strategic partnerships and building businesses and products from scratch have been at the center of his work and attention throughout his career. Being a recognized voice in the financial services industry, Panagiotis has contributed to various publications and podcasts and is often invited as a public speaker at events around the globe. Paolo Sironi: https://www.linkedin.com/in/thepsironi/ IBM FinTech Strategy and Author

In this month's News From The Fintech Front, host Don Ginsel is joined by guests Alex Johnson and Gabriella Orille, marking a major milestone for the show: 500 unique guests! Key topics include the increasing role of Central Bank Digital Currencies (CBDCs) in transforming financial systems and how neobanks are strengthening ties with traditional banks to diversify their services. They also dive into the growth of Embedded Finance, reshaping consumer experiences by integrating financial services into everyday platforms, and innovations in RegTech and compliance technology to address regulatory challenges in fintech. The episode closes with the last Fintech Groove segment, promoting the upcoming Milan Fintech Summit, where Matteo Castelnuovo interviews Alberta Pelino. Pelino, herself a summit speaker, discusses gender equality in fintech, her experience founding We Are Fibi, and her mission to close the gender gap in finance through education and empowerment. Stay tuned as Breaking Banks Europe gears up to celebrate five years in two weeks! ‌ Connect with our guests: Alex Johnson - Founder, Fintech Takes https://www.linkedin.com/in/alexhjohnson Website: https://fintechtakes.com/ Subcribe now: https://newsletter.fintechtakes.com/ ‌ Gabriela Orille - Independent Board Member, Denarius https://www.linkedin.com/in/gabrielaorille Website: https://gabrielaorille.com/acerca-de/ ‌ Alberta Pelino - President, Young Ambassadors Society and CEO & Founder Fibi https://www.linkedin.com/in/albertapelino ‌

In this episode of The Bankers' Bookshelf, Paolo Sironi hosts Richard Turrin, author of "Cashless," as part of the Bankers' Bookshelf series. They discuss the shift towards a cashless society driven by Central Bank Digital Currencies (CBDCs) and fintech innovations. Turrin explains how CBDCs could reduce reliance on credit cards, lower transaction fees, and streamline commercial payments, while also benefiting financial stability. They also explore the risks and opportunities for banks, and how countries like China are leading in this transformation. Turrin highlights the future of less cash, improved payment systems, and the societal impact of digital currencies. ‌ About the Author: Rich Turrin is an international best-selling author and a leading expert on China's digital yuan. He is a leading voice in the international central bank digital currency dialogue. His books “Cashless - China's Digital Currency Revolution” and “Innovation Lab Excellence” highlight the good financial innovation can do and established him as a leading voice in Asia's fast paced fintech community. He is rated number 4 globally on Onalytica's prestigious Fintech Influencer list and an award-winning executive previously heading fintech teams at IBM following a twenty year career in investment banking. Living in Shanghai for the last decade, Rich experienced China going cashless first-hand and has a unique combination of banking and technology skills that allow him to bring the exciting story of China going “Cashless” to life in his book and keynotes. Rich is an independent consultant whose views on China's astounding fintech developments are widely sought by international media and private clients. ‌ Connect here: https://www.linkedin.com/in/turrin/ Official Website: https://richturrin.com/videos-and-interviews/ -Learn more about the bestseller "Cashless" the first book about China's new digital currency now with over 200 5 star reviews: https://www.amazon.com/dp/B0925JY69H -Best seller "Innovation Lab Excellence" fixes "innovation theater.": https://www.amazon.com/Innovation-Lab-Excellence-Digital-Transformation/dp/1949642070/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=&sr= -Subscribe to the Cashless newsletter!: https://richturrin.substack.com/ ‌ Paolo Sironi: https://www.linkedin.com/in/thepsironi/ IBM FinTech Strategy and Author

In this episode of Breaking Banks Europe, Matteo Rizzi interviews Chiara Padua, Deputy CEO of the Fintech District and Head of the Milan Fintech Summit (MFS). They discuss the upcoming 2024 Milan Fintech Summit, its theme, “Smells Like Fintech Spirit,” inspired by music, reflecting the evolving, dynamic nature of fintech. Chiara highlights how MFS has grown since its inception in 2020, including new tracks and regional events, emphasizing the importance of in-person gatherings for networking and collaboration. She outlines key themes for 2024, such as embedded finance, sustainability, diversity, and AI, all covered in sessions titled after iconic songs. They also preview notable speakers and collaborations, underscoring the event's community-driven ethos and positioning MFS as a hub for fintech innovation in Southern Europe. The episode provides a sneak peek into what attendees can expect, including the chance to engage with leading industry figures. ‌ Get your pass and be part of it!https://www.milanfintechsummit.com/#BuyTickets#MilanFintechSummit #MFS #MFS24 ‌ Connect with Chiara: https://www.linkedin.com/in/chiara-padua/

In the latest episode of "The Bankers' Bookshelf," host Paolo Sironi converses with Brett King, the originator of the Breaking Banks brand, about King's upcoming book "Branch Today, Gone Tomorrow." This book, a refreshed edition of his 2011 release, examines the dramatic reduction in physical bank branches over the past decade, driven by the rise of digital and mobile banking. King discusses the predictions he made in 2011, such as the halving of U.S. bank branches by 2030, which appear to be on track. The conversation explores the global trends in branch closures, highlighting significant decreases in countries like Italy and Germany, while noting exceptions such as India. King emphasizes the shift towards digital banking and the increasing role of AI, predicting that future banking will be largely autonomous. The episode underscores the need for a balanced transition to ensure financial inclusion, particularly in regions with aging populations and limited digital access. About the Author: Brett King is an International Bestselling Author, a world- renowned futurist and media personality. President Xi Jinping cited his book Augmented. He has spoken in over 50 countries, given keynotes for TEDx, Wired, Techsauce, Singularity Universi-ty, Web Summit, The Economist, IBM's World of Watson, CES, SIBOS and more. He has appeared on CNBC, BBC, ABC, Fox, and Bloomberg. He advised the Obama administration on Fintech.King hosts the world's #1 Fintech Radio Show/Podcast called Breaking Banks (180 countries, 6.5 million listeners). He is the founder of Moven, a globally recognized mobile start-up, which has raised over US$40 million to date, and launched the first in-app mobile bank account offered anywhere in the world.Banking Exchange named him the King of the Disruptors, he was nominated as American Banker's Innovator of the Year, voted the world's #1 Financial Services Influencer by The Financial Brand and listed by Bank Innovation as one of the top 10 "coolest brands in banking". King was shortlisted for the Advance Global Australian of the Year for being one of the most influential Australians offshore. His book Aug-mented: Life in the Smart Lane, was a top-10 non-fiction book in North America. Bank 4.0 remained a global bestseller in banking more than 12 months after release. The Rise of Technosocialism, his 7th book was released November 2021.

In this month's “News From The Fintech Front" host Elizabeth Kleinveld discusses recent fintech developments with guests Bruno Diniz and Ritesh Jain. They explore major fintech news, focusing on topics like the expansion of payment company Adyen into India, investments by Japan's Credit Saison in Latin American startups, and HSBC's involvement in open property data for smoother home buying in the UK. They also delve into Brazil's innovative financial infrastructure, including PIX, open finance, and the central bank's efforts in AI and data science. Furthermore, they discuss challenges in retail CBDC adoption and MasterCard's partnerships aimed at expanding fintech opportunities in Africa and the Middle East. Throughout the conversation, the importance of financial literacy versus financial inclusion is emphasized, alongside concerns about AI biases in financial systems. ‌ Bruno Diniz https://www.linkedin.com/in/brunoevdiniz Managing Partner, Spiralem Innovation Consulting / Professor on Financial Innovation, University of Sao Paulo (USP) Regarded as one of the top fintech influencers in LATAM, Mr. Diniz is also an international speaker, and bestselling author of three books on financial innovation: The Fintech Phonomenon, The New Financial Logic, and The Age of Crypto-Economy. ‌ Dr. Ritesh Jain - Founder, Infynithttps://www.linkedin.com/in/drriteshjain/ Known for his work in payments innovation, open banking, and digital public infrastructure. He has held key roles at HSBC, VISA, Apple, and Maersk, where he developed the Apple Pay tokenization stack and led major transformations.Dr. Jain advises global payment programs like UPI, FedNow, and PIX, and is a recognized expert in financial inclusion. He is the first to earn a PhD in Open Banking and played a crucial role in Maersk's recovery from the NotPetya ransomware attack. He is also a trusted advisor to G20 and GPFI, an active fintech investor, and a sought-after speaker at global conferences.

In this first episode of Breaking Banks Europe, part of the Milan Fintech Summit Special 3 episode-series, host Matteo Rizzi talks with Stefania Di Bartolomeo, CEO of Physis Investment. Stefania discusses her company's mission to empower sustainable investing through data-driven tools, enabling investors to support companies with positive societal impacts. She contrasts the U.S.'s supportive innovation ecosystem with Europe's and highlights the importance of collaboration among entrepreneurs. Stefania also shares Physis Investment's new chatbot, designed to make sustainability information accessible to a broader audience. As Physis considers expanding into Europe, Milan is a potential location. The episode wraps up with Chris Richmond, founder of Migrants, who discusses financial inclusion challenges for asylum seekers and refugees in Italy with Matteo Castelnuovo for the new segment of “Fintech Groove”. Richmond highlights the role of digital platforms and emerging technologies in building trust between migrants and financial institutions, improving access to credit and opportunities for marginalized groups.

In this episode of The Bankers' Bookshel, host Paolo Sironi speaks with Dr. Jobst Landgrebe and Professor Barry Smith about their book, "Why Machines Will Never Rule the World: Artificial Intelligence without Fear". The guests argue that artificial intelligence (AI) cannot achieve true intelligence or consciousness due to fundamental mathematical and philosophical limitations. Dr. Landgrebe explains that AI, including models like ChatGPT, is unable to solve novel problems independently, as it relies on patterns from pre-existing data. Professor Smith adds that human intelligence involves both "knowing how" and "knowing that," which AI lacks. They assert that AI's current capabilities are limited to specific tasks and cannot replicate the complexity of human thought or active perception. The authors emphasize the importance of understanding AI's limitations to prevent misuse and manage expectations. They encourage a realistic view of AI, focusing on its role as a tool rather than a threat. The episode challenges the hype around artificial general intelligence, advocating for a practical and informed approach to AI development and deployment. ‌ ‌ Dr. Jobst Landgrebe - Chief Technology Strategist, Indivumed TherapeuticsDr. Jobst Landgrebe obtained his MD/PhD in cell biology in 1998. He is a licensed physician and studied medicine, biochemistry and mathematics. He works as head of R&D in a cancer research biotech company based in Hamburg. His current research interests are theory of science (for which he is a visiting professor at the University of Italian Switzerland) and biomedical/biomathematical cancer research. Barry Smith - Professor of Philosophy, Computer Science, and Biomedical Informatics, University of Buffalo Barry Smith is one of the world's most widely cited contemporary philosophers, known especially for his application of ideas derived from logic and ontology to the solution of problems in domains outside philosophy, including economics, biology and medicine. Most recently he has been working on extending this approach to the military and intelligence domains, where his proposals have been adopted as baseline standards by the US Department of Defense and by the US Intelligence Community. ‌ On the book:The main thesis of Why Machines Will Never Rule the World (Routledge 2023)'s main thesis is that so-called ‘Artificial General Intelligence' – an AI with the level of intelligence achieved by human beings – is for mathematical reasons impossible. This means that many assumptions surrounding current AI, including assumptions concerning the future takeover of the planet by autonomous robots, are founded on hype. ‌

In this episode of Breaking Banks Europe, part of the Ecosystem Zoom-In series, host Matteo Rizzi explores the dynamic fintech landscape of the Democratic Republic of Congo with guest Joel Tshilumba (Co-Founder, Ultimate Corporation). For the first time in #BBE, this special episode is presented in two languages, with the first section in English and the second in French, to honor the significant impact of francophone Africa on the continent (the YouTube video includes subtitles for wider accessibility) The discussion dives into how the Congolese fintech ecosystem has evolved, highlighting the key players driving change and innovation. They explore the vibrant start-up scene and the increasing investment opportunities that are shaping the financial landscape. The episode also examines how traditional financial institutions are adapting to this new environment, sharing compelling stories of transformation. Joel Tshilumba provides insights into the country's demographics and economic statistics, offering a comprehensive look at the challenges and opportunities within this rapidly growing market. ‌ Follow Joel: https://www.linkedin.com/in/joel-tshilumba-j-92797916b

In this month's episode of News From The FinTech Front, host and industry extraordinaire Don Ginsel unmutes Micky Tesfaye, and Grant Easterbrook discuss the latest fintech headlines from July 2024. They explore the upcoming integration of ChatGPT into Apple devices and its potential to revolutionize personal finance by serving as a voice-based advisor. This development could lead to outcomes ranging from tech companies disintermediating traditional financial firms to strengthening big banks' dominance or even having minimal impact on market dynamics. The episode also covers presidential candidate President Donald Trump's recent move to embrace cryptocurrency, including a promise to create a "national Bitcoin stockpile" and replace SEC chair Gary Gensler if re-elected. The hosts discuss Revolut's successful acquisition of a UK banking license after a prolonged delay due to regulatory hurdles. Additionally, they highlight MNT Halan's achievement of unicorn status with a $150 million funding round, marking its expansion beyond Africa into the Turkish SME lending market. ‌ Learn more about our guests: Micky Tesfaye - Content Manager, Money20/20 Fintech enthusiast and content strategist bridging innovation and engagement. As Content Manager for Money20/20, I curate thought-provoking content that shapes industry dialogue. Subscribe to his newsletter: https://www.linkedin.com/newsletters/7221690904741376000/?displayConfirmation=true Connect: https://www.linkedin.com/in/micky-tesfaye/ Join Money2020: https://www.money2020.com/ ‌ Grant Easterbrook - Longtime Fintech Consultant Grant is a longtime fintech expert based in Amsterdam. Over the course of 13 years in the industry, Grant has been cited in the media over 200 times. He co-founded the fintech startup Dream Forward, which was acquired in 2020. Dream Forward built a specialized AI chatbot designed to help people navigate saving for retirement and other long-term financial goals. Grant also organizes the AI on the Amstel meetup in Amsterdam. Check Grant on media: https://granteasterbrook.wordpress.com/in-the-news/ Join AI on the Amstel: https://www.aiontheamstel.nl/ Connect with Grant: https://www.linkedin.com/in/granteasterbrook/

In the latest episode of Breaking Banks Europe's "The Bankers' Bookshelf," host Paolo Sironi chats with renowned fintech author Chris Skinner about his book, Intelligent Money. Chris delves into the transformative impact of digital money and AI on financial services, predicting major changes by 2030. The conversation explores key themes like personalization, automation, and the tension between centralization and decentralization. Chris highlights how AI and blockchain are shaping the future of finance, emphasizing the need for smart data use. He also shares insights on the evolving role of fintech startups and traditional banks. Tune in for a deep dive into the future of money and technology, and get inspired by one of fintech's most influential voices. Don't miss this enlightening discussion on how intelligent money is set to revolutionize our lives! ‌ Follow Chris Skinner: https://thefinanser.com/ / https://www.linkedin.com/in/cmskinner/ Chris Skinner, a top fintech influencer and award-winning speaker, is the author of 18 books, including "Intelligent Money." He blogs daily at The http://finanser.com and co-founded one of the first mobile banks. Skinner advises global leaders and organizations like the UN and the World Economic Forum. He also writes children's books and co-founded The Portrait Foundation. In 2023, he received a Lifetime Achievement Award from the Payments Association. ‌ Paolo Sironi: https://www.linkedin.com/in/thepsironi/ IBM FinTech Strategy and Author

In the latest episode of Breaking Banks Europe, host Elizabeth Kleinfeld delves into the intersection of fintech and agriculture, focusing on how innovations are transforming the lives of farmers. Joining her are Trevor Sieck from Rabobank's FoodBytes and Jake Joraanstad, CEO of Bushel. Jake explains how Bushel's software digitizes the grain supply chain, enabling seamless financial transactions and better data management for farmers. Trevor highlights the broader impact of such technologies, including improved sustainability and efficiency in the food sector. They discuss how fintech solutions like electronic payments and loan management are modernizing traditional agricultural practices, making it easier for farmers to access capital and manage their operations. Tune in to discover how agri-tech and fintech collaborations are driving positive change in the agricultural sector! ‌ Meet the guests: Trevor Sieck: https://www.linkedin.com/in/trevor-sieck-a27513131/ https://www.foodbytesworld.com ‌ Jake Joraanstad: https://www.linkedin.com/in/jakejoraanstad/ https://bushelpowered.com

Dive into our latest episode, “Revolutionizing Digital Assets: The Role of Chainlink in Financial Innovation,” where we explore how Chainlink is transforming the financial landscape! Join us as we unpack Chain.link's innovative approach to tokenization, smart contracts, and cross-chain connectivity. Discover how their groundbreaking technology is creating new opportunities for financial institutions and reshaping the future of digital assets. From collaborations with major players like Fidelity International to the potential of blockchain for emerging markets, this episode covers it all! Whether you're a fintech enthusiast or new to the world of blockchain, this conversation offers valuable insights into the future of digital finance and what's next for Chainlink. ‌ Connect with Sergey: https://www.linkedin.com/in/sergeydnazarov/ chain.link ‌

In this episode of "The Bankers' Bookshelf," Paolo Sironi interviews fintech expert Efi Pylarinou about her new book "The Fast Future Blur" and its chapter "Thinking Like An AI Native." They discuss how AI can help businesses navigate complex, interconnected changes in technology and society. Pylarinou explains the transition from traditional to AI-native business models, emphasizing the need for nonlinear thinking and multidisciplinary approaches. She outlines five key dimensions—discovery, design, decision, dexterity, and deduction—that help businesses adapt. The conversation underscores the continuous, non-linear nature of transformation and the importance of leveraging AI to create integrated, seamless experiences. See the book here: https://www.fastfutureexecutive.com/thebook Dr. Efi Pylarinou: https://www.linkedin.com/in/efipylarinou Global Fintech & Tech Thought Leader Dr. Efi Pylarinou is a seasoned Wall Street professional and ex-academic who has become a Top Global Fintech & Tech Thought Leader. A domain expert with a Ph.D. in Finance, a prolific Content creator, and a Faculty at Fast Future Executive. She is trusted by global Brands in Tech and Financial services.

In this episode of "The Bankers' Bookshelf," host Paolo Sironi discusses the paper "AI Revolution: Productivity Boom and Beyond" with Christian Keller, Head of Economics Research at Barclays Investment Bank. The paper examines AI's potential to drive significant productivity gains across industries, addressing the "productivity puzzle" where digital advancements haven't translated into expected growth. Keller highlights historical lags between innovation and productivity, potential GDP measurement inaccuracies, and AI's promise as a general-purpose technology. Key challenges AI could address include aging populations in developed economies, low productivity in developing countries, and the shift from manufacturing to services. The episode emphasizes the need for balanced regulation to manage AI's rapid advancement and potential societal impacts. Sironi and Keller call for collaboration among industries, tech developers, and regulators to responsibly harness AI's benefits, making informed business decisions based on this groundbreaking research. ‌ Read now: https://www.ib.barclays/our-insights/AI-productivity-boom.html Connect with Christian: https://www.linkedin.com/in/christian-keller-a520717 ‌

This week on #BBE, we highlight the Point Zero Forum conference, an organizational endeavor between Elevandi and the State Secretariat for International Finance SIF. As a media partner for the Zurich event from July 1-3, in this episode we discuss the status of displaced people and refugees, emphasizing their importance post-EU elections. Explore how fintech sectors offer solutions beyond prepaid cards, with showcases like Cardano's blockchain and biometric ID systems by the International Rescue Committee and iRespond. Discover innovative approaches, such as UNHCR's award-winning blockchain initiatives in Ukraine, and learn how to support efforts like those of UNHCR. And of course, don't forget to join us in Zurich to continue this vital conversation. Register now: https://registration.pointzeroforum.com/pzf2024/register?ref=PZF-BBE&code=PZF-MEDIAPARTNER20&c_3636463=18491865&c_3778097=19391241&utm_medium=media20&utm_source=affiliate-mp®_type_id=536412&utm_campaign=breaking-banks-europe ‌ Guests: Frederik Gregaard, CEO of Cardano Foundation: https://www.linkedin.com/in/gregaard Carmen Hett, Treasurer at UNHCR https://www.linkedin.com/in/carmen-hett-7b94801

In the latest episode of The Bankers' BookShelf, host Paolo Sironi engages in an insightful discussion with renowned economist Arnoud Boot. Boot, a professor of Corporate Finance and Financial Markets at the University of Amsterdam and a member of the Royal Netherlands Academy of Arts and Sciences, delves into the European Central Bank's Working Paper, “Financial intermediation and technology: What's old, what's new?” The paper examines the impact of technological change on financial intermediation, highlighting the evolution from traditional in-person banking to digital interactions driven by data collection, AI, and digital platforms. Boot and Sironi explore how these technological advancements are reshaping the banking industry, leading to the disintegration of traditional business models as specialized providers and platforms challenge banks' roles. They also discuss the limitations and policy implications of these transformative trends.

Our monthly edition of "News From The FinTech Front" puts the most recognizable thought leaders discussing the latest news for the industry and gives them space to comment, or often explain what exactly happened to our audience. This month, the Simon Taylor and Rita Martins join Elizabeth Kleinveld live at the MoneyPot podcast booth and stage at Money2020 Europe in Amsterdam, ‌ Connect with our guests: Rita Martins: https://www.linkedin.com/in/ritamartins2/ https://qrfy.io/r/fwAx8I9EPd Simon Taylor: https://www.linkedin.com/in/sytaylor/ http://fintechbrainfood.com/

In a dynamic conversation on the Bankers' Bookshelf podcast, Paolo Sironi and Edwin Saliba from Economist Impact delve into the future of banking through qualitative scenarios and quantitative data. They explore Economist Impact's report "Banking in 2035: Three Possible Futures," outlining five Mega Trends shaping banking, including digital transformation and economic fragmentation. The discussion focuses on three potential scenarios: trust-building in a transformed banking sector, collective action on climate change, and navigating a fragmented world. Each scenario presents unique challenges and opportunities, from rebuilding trust through digitalization to addressing cybersecurity risks. Despite banking executives' cautious optimism, there's a gap between awareness and action, highlighting the need for proactive strategies to prepare for an uncertain future. The podcast concludes with a glimpse into future episodes, promising continued exploration of critical topics in banking and fintech. ‌ About our guest: Edwin Saliba has more than 10 years of experience working with governments, UN agencies, and the private sector on solving pressing public policy challenges. His interests lie in the areas of climate change, technology, and public finance. Edwin completed his undergraduate studies in Economics at the American University of Beirut, and graduated with an MPA from Columbia University. He is originally from Lebanon, and currently lives in New Jersey, US. In his free time, Edwin enjoys volunteering, reading, and outdoors activities, among many other hobbies. READ THE REPORT: https://impact.economist.com/perspectives/sites/default/files/banking_in_2035_three_possible_futures_briefing_paper.pdf

The book is now on the Kogan Page website frontpage Home | Kogan Page Please find included my headshot and 50 word bio, as well as the book cover as provided by Kogan. ‌ Short title would be: Anette Broløs, Fintech Analyst Dr. Anette Broløs, Director and Co-Founder, Finthropology Anette is a fintech analyst based in Denmark. She is an experienced network leader working with strategic innovation and partnerships. She holds an industrial PhD in collaborative innovation and has a background in economics. Anette has extensive work experience in finance including six years as CEO of Copenhagen FinTech Innovation and Research. ‌ Dr. Erin B. Taylor, Director and Co-Founder, Finthropology Erin is an anthropologist based in the Netherlands. She specialises in how people's financial behaviour is changing along with innovation in financial services. She holds a PhD from the University of Sydney, Australia, and has carried out ethnographic research in the Caribbean, South America, Africa and Europe.

Another month, another "News From the Fintech Front." In Episode 223, March 2024 unfolds with the latest in fintech, hosted by Elizabeth Kleinveld. Joined by Oana Ifrim, Lead Editor at The Paypers, and David Gyori, CEO of Banking Reports London, the episode delves into the industry's hottest topics. Discussions center around the transition from cash to central bank digital currencies (CBDCs), Capital One's acquisition of Discover, and its implications for competition and fintech. The episode also explores the EU's instant payments regulation and its challenges for banks, GoCardless's acquisition of Nuapay for addressing new use cases, and the evolving landscape of digital disruption and adaptability for survival. Moreover, increased regulation affecting Banking-as-a-Service (BaaS) businesses, banking anomalies like Commercial Bank of Ethiopia's glitch and talent shortages, and innovative solutions like "Monzo Mafia" startups automating coding processes are thoroughly examined. ‌ Oana Ifrim: https://www.linkedin.com/in/oana-ifrim/ Lead Editor, The Paypers David Gyori: https://www.linkedin.com/in/davidgyoribankingreports/ CEO of Banking Reports London

In the second episode of THE BANKERS' BOOKSHELF hosted by Paolo Sironi, Mario Nava (Director General of DG REFORM for EU Commission) and Thorsten Beck (Director of the Florence School of Banking and Finance at the European University Institute) discuss the recent research "Digital Finance in the EU: drivers, risks, and opportunities”. The episode delves into the establishment of the EU-SFDA, an initiative promoted by the European Commission to enhance financial supervisory expertise in coping with advancements in technology. Mario and Thorsten emphasize the importance of fostering trustworthy artificial intelligence to uphold fundamental rights and safety standards. Furthermore, they explore the challenges and risks associated with decentralized finance, cybersecurity, and the need for resilient business models that adapt to fast digitalization changes. The dialogue with Paolo highlights the significance of dynamic knowledge acquisition for supervisory authorities and stresses the social aspect of transformative policies to ensure inclusion and societal benefit across the EU. Ultimately, the episode encourages continuous critical thinking and exploration within the realms of banking and finance. Connect with our guests: Mario Nava is the General Director of EU Commission leading the DG for STRUCTURAL REFORM SUPPORT to assist EU member states in the implementation of technical and structural reforms. https://www.linkedin.com/in/mario-nava-849794172 Thorsten Beck is the Director of the Florence School of Banking and Finance at the European University Institute. https://www.linkedin.com/in/thorsten-beck-1b262712/

In the premiere episode of "The Bankers' BookShelf," Sangeet Choudary and Paolo Sironi explore the intricacies of sandwich economics, AI, and the future of banking. Drawing inspiration from Choudary's book "Platform Revolution," they delve into how platforms reshape industries and the geopolitical landscape. They discuss AI's role in commoditizing knowledge, the shift from labor to capital, and the imperative of adapting to AI-driven disruptions. The dialogue highlights the need for a balanced approach to navigating these transformations and underscores the importance of creativity and prioritization in the future of work. Join Choudary and Sironi as they embark on a journey into the evolving dynamics of banking and fintech in the digital age.

In this episode of #BBE's Ecosystem Zoom-In series, we finally reflect on The British Case. Coinciding the podcast's inception and the historic Brexit event four years ago, this fascinating nation finally takes the spotlight of our show. Janine Hirt, current CEO of Innovate Finance, joins to discuss how Britain has risen to prominence as a global leader in nurturing innovation ecosystems, trailing only behind the US. Hirt offers insights into the evolving landscape for UK companies and also announces the upcoming 10th anniversary of the Innovation Finance Global Summit, where host Matteo Rizzi will participate. Tune in to explore Britain's dynamic innovation and finance sector in 2024. Connect with our guest: Janine Hirt - https://www.linkedin.com/in/janine-hirt-4441664/