FinTech Futures

In this episode of the What the FinTech? podcast, we're joined by Kristen Castell, Managing Director of the Centre for Accelerating Financial Equity (CAFE), to discuss the topic of financial health and wellness and what the financial services industry can be doing more of to support customers amid ongoing economic uncertainty and the tough macroeconomic climate globally. Kristen and FinTech Futures editor Paul Hindle explore how new technologies and fintech innovations are helping companies to boost their financial wellness initiatives, as well as the work CAFE is doing in the space, including a deep dive into the organisation's fintech accelerator programme, which helps support financial wellness-focused fintech start-ups with their growth. And finally, we find out what fintech buzzword Kristen wants to throw into our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we're joined by Clare Pearson, Head of Technology Operations & Delivery Management at Fnality, for a deep dive into digital payment trends. Clare and FinTech Futures reporter Cameron Emanuel-Burns explore the outlook for cross-border real-time payments, tokenisation, digital wallets, and the evolving role of cards in a shifting payments landscape. The discussion also delves into Clare's experience at the Payment Systems Regulator (PSR), her views on its integration into the Financial Conduct Authority (FCA), and her reflections on serving as a judge for this year's PayTech Awards. And finally, we find out which fintech buzzword Clare wants to throw into or rescue from our Fintech Jail!

In this episode of the What the FinTech? podcast, we're joined by Mats Persson Bergius, Chief Commercial Officer at Danish digital bank Lunar, to discuss the Nordic digital banking landscape and how Lunar has been looking to scale its own offering across the region as the bank approaches its 10th birthday this year. Mats and FinTech Futures editor Paul Hindle explore digital banking trends in the Nordics and what customers expect from their banking relationships, how Lunar has looked to approach its digital product strategy to stand out from the crowd and take on the established institutions in the region, the bank's plans for expansion moving forward, and what's next for its recently spun-out BaaS division Moonrise. And finally, we find out what fintech buzzword Mats wants to break out of our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we're joined by Subramanian (Subbu) Naraynaswamy, Executive Director at Wells Fargo, to discuss the emerging banking and fintech trends. We explore the upcoming risks and opportunities, and Subbu shares insights into his role as a judge for this year's Banking Technology Awards USA.

In the latest episode of the What the FinTech? podcast, we're joined by Ronit Ghose, Head of Future of Finance for Citi Global Insights, to discuss the rise of agentic AI in financial services and how this new evolution of AI technology could revolutionise the sector and help shape the future of banking. Ronit and FinTech Futures editor Paul Hindle explore the current trends around agentic AI and how far along we currently are in terms of its development, the big use cases for agentic AI in financial services, and the best approaches for implementing the technology to mitigate risk and ensure both explainability and transparency in decisioning. We also dive into the key takeaways from Citi's latest report on the topic, titled Agentic AI: Finance and the ‘do it for me' economy. And finally, we find out what fintech buzzword Ronit wants to free from our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we're joined by Daniele Tonella, Chief Technology Officer (CTO) at ING, to discuss ING's technology strategy and how the bank has been approaching its digital transformation efforts as the rate tech innovation globally continues to pick up pace. Daniele and FinTech Futures editor Paul Hindle explore the latest tech trends in banking and how the evolution of technology is impacting financial services more broadly, the challenges for banks when it comes to keeping up with technological change, and ING's approach to the risk and governance side of transformation and particularly AI. And finally, we find out what fintech buzzword Daniele wants to throw into (and break out of) our Fintech Jail!

In this episode of the What the FinTech? podcast, we're joined by Lewis Turek, General Manager of North America at GoCardless, to explore the evolution of payments in North America amid the rise of a multitude of digital and alternative payment methods and new payment rails. Lewis and FinTech Futures editor Paul Hindle discuss how businesses in North America differ from UK and European companies when it comes to managing their payments, the challenges faced by North American businesses when it comes to adopting new payment methods and how to overcome those, and the work GoCardless has been doing in the region. And finally, we find out what fintech buzzword Lewis wants to throw into our Fintech Jail!

In the opening episode of season six of the What the Fintech? podcast, we're joined by Amias Gerety, partner at QED Investors, to discuss the ever-evolving fintech funding landscape and the outlook for venture capital funding in 2025. Amias and FinTech Futures editor Paul Hindle discuss the technologies and verticals that are attracting the most interest from VCs, how QED is approaching its fintech funding strategy, some key advice for founders when it comes to scaling a new start-up, and of course the big tech trends to keep an eye on looking forward. And finally, we find out what fintech buzzword Amias wants to lock away in our Fintech Jail!

In the final episode of season five of the What the FinTech? podcast, we're joined by FinTech Futures columnists and fellow podcast hosts Dave Wallace and Dharmesh Mistry to take a look back at some of the biggest trends to come out of 2024 and discuss what the new year might bring for the sector. The discussion covers topics including AI, quantum computing, cryptocurrency, the Digital Operational Resilience Act (DORA) and more. And finally, in the spirit of the holidays, Dave and Dharmesh each release an incarcerated buzzword from our Fintech Jail! The What the FinTech? podcast will return for season six in the new year. Stay tuned! Disclaimer: The information provided in this podcast is for editorial and journalistic purposes only and does not constitute financial advice, and should not be treated as such. FinTech Futures does not recommend investments of any kind.

In the latest episode of the What the FinTech? podcast, FinTech Futures editor Paul Hindle sits down with Nelson Wootton, CEO and co-founder of SaaScada, to explore the latest trends around core banking modernisation and the growing need for banks still running legacy tech to upgrade to the latest technologies. Nelson discusses the key benefits of modern core banking solutions, the challenges that banks face when it comes to upgrading their cores, and the best strategies to carry out a core transformation programme to limit the risks involved, as well as what's next for core banking technology in the near-term future. And finally, we find out what fintech buzzword Nelson wants to throw into our Fintech Jail!

In the latest episode of the What the FinTech? podcast, FinTech Futures editor Paul Hindle sits down with George Sandilands, VP of Carbon Accounting at Sage, to explore the current state of play around green finance and how the financial services industry as a whole can help tackle climate change. The discussion covers how demands from clients for green finance have shifted in recent years, the evolution of sustainability reporting and the data requirements involved, the key tech innovations and trends driving the future of green finance, and the role fintech can play in combatting climate change. And finally, we find out what fintech buzzword George wants to throw into our Fintech Jail! This episode of the What the FinTech? podcast is brought to you in partnership with FinTech Connect.

In the latest episode of the What the FinTech? podcast, FinTech Futures editor Paul Hindle sits down with Paul Foster, Director of Global Payment Partnerships at GoCardless, to explore the growing adoption of open banking payments with a specific focus on GoCardless' recently published report on the topic - How To Take Open Banking Payments Mainstream. The discussion covers the current trends and use cases driving the growth of open banking payments, the benefits of open banking payments for consumers and businesses, and the challenges of achieving widespread adoption and what practical steps are needed in order for open banking payments to hit the mainstream. And finally, we find out what fintech buzzword Paul wants to throw into our Fintech Jail!

In this special episode of the What the FinTech? podcast recorded live at Money20/20 USA in Las Vegas, FinTech Futures' US correspondent Heather Sugg is joined by Ricardo Amper, founder and CEO of Incode Technologies, to discuss the evolution of identity fraud amid the rise of AI and deepfakes and how financial firms can utilise the latest technologies to tackle these fraud challenges.

In the latest episode of the What the FinTech? podcast, FinTech Futures editor Paul Hindle sits down with Clare Gambardella, Chief Customer Officer at Zopa Bank, to explore how Zopa has looked to approach its growth strategy amid the constantly evolving digital banking landscape in the UK. Clare discusses how consumer demands have shifted in recent years amid a challenging economic environment and the arrival of new technologies, and what UK customers are currently looking for from their banking providers, as well as how to navigate the challenges of attracting and retaining customers in an increasingly competitive banking market and at a time when account switching numbers have been on the rise.

In the latest episode of the What the FinTech? podcast, we're joined by Ravneet Shah, CTO of UK-based SME banking challenger Allica Bank, to explore the current business banking landscape and how Allica has looked to approach its technology and innovation strategy to meet the evolving needs of business customers. Ravneet and FinTech Futures editor Paul Hindle dive into the work Allica has been doing to develop its tech stack and its collaborations with fintech partners as it looks to further expand its products and services and continue its growth trajectory, after the challenger secured its first full year of profitability over 2023. And finally, we find out what fintech buzzword Ravneet wants to throw into our Fintech Jail!

Consumer adoption of buy now, pay later (BNPL) products is growing – but BNPL data is not included in credit reports… yet. With this shift finally on the horizon, what should lenders and consumers be thinking about and how can they prepare? In the latest episode of the What the FinTech? podcast, FinTech Futures editor Paul Hindle sits down with Liz Pagel, SVP and Consumer Lending Business Leader at TransUnion, to explore the growing popularity of BNPL products and their future impact on credit reporting. Liz shares insights on the potential benefits of BNPL for new-to-credit consumers, its growth in the market, and the role it could play in financial inclusion. The discussion also covers the upcoming integration of BNPL data into credit reports, its potential effects on credit scores, and how lenders can continue to adapt to this significant shift in the credit landscape. And finally, we find out what fintech buzzword Liz wants to free from our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we're joined by author and financial services executive Rita Martins to explore the growing role of Web3 technologies in the financial sector. Rita and FinTech Futures editor Paul Hindle discuss the key takeaways from Rita's recently published book on the subject, Web3 in Financial Services: How Blockchain, Digital Assets and Crypto are Disrupting Traditional Finance, including the key real-world use cases for Web3 tech in the space and how financial services players have been looking to deploy the technology, the current state of play with trending focus areas such as tokenisation, CBDCs and crypto, and some of the hurdles that exist when it comes to the wider adoption of emerging Web3 technologies globally. And finally, we find out what fintech buzzword Rita wants to throw into our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we're joined by Anu Somani, Head of Global Payables and Embedded Payments at US Bank, to explore the growing adoption of real-time payments (RTP) in the US following the one-year anniversary of the launch of FedNow, the instant payment service developed by the Federal Reserve. Anu and FinTech Futures editor Paul Hindle discuss the role both FedNow and the Clearing House's RTP Network have played in driving this growth, the key use cases for RTP that have been helping to boost adoption among banks and businesses, and what's next for RTP and the US payments space as a whole as technology and user demands continue to evolve at a rapid pace. And finally, we find out what fintech buzzword Anu wants to free from our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we're joined by Janine Hirt, CEO of UK-based independent industry body Innovate Finance, to discuss global fintech funding trends over 2024 and what the future might hold for the UK's fintech scene. Janine and FinTech Futures editor Paul Hindle discuss some of the key takeaways from Innovate Finance's H1 2024 FinTech Investment Landscape report, including which areas are seeing the most funding activity amid a global “economic slowdown” and whether sentiment in the space is looking positive moving forward. We also discuss what the new Labour government in the UK can do to help fintech flourish, taking a closer look at Innovate Finance's recently published Fintech Plan for Government, which lists a number of proposals that it says could add £328 billion to the UK economy. And finally, we find out what fintech buzzwords Janine wants to free from our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we're joined by Sam Edge, Head of Industries and Emerging Technologies, Start-ups and VC at Amazon Web Services (AWS), to explore the current fintech start-up scene. Sam and FinTech Futures editor Paul Hindle discuss some of the emerging technologies that start-ups and investors are most interested in, how the start-up landscape has evolved amid a wider slowdown in fintech investment globally, key advice for fintech founders looking to get started in the current economy and grow their business, and whether positive sentiment is returning in the VC investment space. We also hear more about how AWS has been working with fintech start-ups to support them in their early stages, some of the company's key fintech focus areas, and how the company has approached its fintech and financial services strategy in general. And finally, we find out what fintech buzzword Sam wants to throw into our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we're joined by George Maddaloni, CTO of Operations at payments giant Mastercard, to discuss some of the key technology trends in the payments space and how Mastercard is looking to approach its tech and innovation strategy to make the most of emerging technologies such as generative AI and tokenisation. George and FinTech Futures editor Paul Hindle also chat about the challenges of keeping one step ahead of fraudsters amid the emergence of new technologies and attack methods and how to keep customers safe from scams and fraud, as well as how consumers' payment preferences have changed in recent years with the arrival of new digital payment methods. And finally, we find out what fintech buzzword George wants to free from our Fintech Jail!

In the latest episode of the What the Fintech? podcast, we're joined by Sudip Dasgupta, Chief Technology Officer at UK digital bank Monument, to discuss the upcoming Banking Tech Awards ceremony, taking place on Wednesday 4 December at the Royal Lancaster Hotel in London. Returning awards judge Sudip and FinTech Futures editor Paul Hindle discuss what to look forward to at the prestigious event, which this year is celebrating its 25th anniversary. The pair also chat about Monument's tech strategy amid a rapidly changing technological landscape in the financial services arena, as well as the recent launch of Monument Technology, the bank's new Banking-as-a-Service (BaaS) division. The Banking Tech Awards is one of the most prestigious awards ceremonies in the industry and has been at the forefront of celebrating the marriage of banking and technology, recognising excellence and innovation in the use of IT in financial services worldwide and the people who make it happen. Nominations are currently open for this year's awards, so if you'd like to showcase and acknowledge your pioneering projects, technologies, and leadership initiatives that are shaping the future of finance, this is your chance to do so. Click here to submit your nominations > https://informaconnect.com/banking-tech-awards/ We have 50 categories to choose from, including Banking Tech Project awards, Excellence in Tech awards, and Leadership awards. You can view the full list of categories here. Nominations close on 9 August. If you're interested in any sponsorship opportunities, contact Sam Hutton at sam.hutton@fintechfutures.com to learn more. For more information about the upcoming PayTech Awards USA and to submit your nominations, click here > https://informaconnect.com/paytech-awards-usa/ To find out more about the winners of this year's Banking Tech Awards USA ceremony, click here >https://informaconnect.com/banking-tech-awards-usa/

In the latest episode of the What the FinTech? podcast, we're joined by Zac Maufe, Head of Regulated Industries at Google Cloud, to discuss cloud core modernisation and the challenges of migrating tech stacks to the cloud, as well as the impact generative AI is having in the financial services sector. Zac and FinTech Futures editor Paul Hindle cover the key points banks need to consider when modernising tech stacks and migrating to the cloud, along with the best strategies to carry out a core transformation programme to limit the risks involved. The pair also discuss the big use cases for generative AI in financial services and what the future might hold for the technology amid the evolving regulatory landscape and the emergence of new capabilities. And finally, we find out what fintech buzzword Zac wants to free from our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we're joined by Andy Lowe, EMEA Head of Business Development for Technology at Bank of America, to discuss the key digital innovation and technology trends in the financial services sector and how the relationship between fintechs and banks has changed over the last decade.

In the latest episode of the What the FinTech? podcast, we're joined by Bivu Das, UK Managing Director at cryptocurrency exchange Kraken, to discuss how the crypto landscape has evolved in the UK in the two years since the government laid out its vision for the country to become a global crypto asset technology hub. Bivu and FinTech Futures editor Paul Hindle take a look at the progress the country has made so far and what more can be done to achieve this goal, the state of play of UK crypto regulation and how the country compares to other nations, the key use cases or focus areas for crypto and Web3 technology, and the potential role crypto can play in the UK's financial system moving forward. And finally, we find out what fintech buzzword Bivu wants to throw into our Fintech Jail! Disclaimer: The information provided in this podcast is for editorial and journalistic purposes only and does not constitute financial advice, and should not be treated as such. Cryptocurrency is a volatile and high-risk asset and FinTech Futures does not recommend investments of any kind.

In the latest episode of the What the FinTech? podcast, we're joined by Sonali Divilek, Head of Digital at Chase, to find out more about how consumer attitudes towards digital banking in the US have changed in recent years. Sonali and FinTech Futures editor Paul Hindle take a look at some of the key consumer trends highlighted in Chase's recent Digital Banking Attitudes Study and the factors behind these, as well as how banks can respond to shifting consumer demands and tap new technologies to boost areas such as personalisation to ensure their digital channels are meeting customers' wants and needs. We hear more about the work Chase has been doing in this area, as well as how the bank is looking to strike a balance between digital and physical banking with its branch strategy. And finally, we find out what fintech buzzword Sonali wants to free from our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we're joined by Dirk Marzluf, Chief Operating and Technology Officer at Banco Santander, to learn more about the development and deployment of the bank's self-built core banking solution Gravity. Dirk and FinTech Futures editor Paul Hindle cover how the project came about, how the bank has gone about building Gravity and the steps involved in getting this project completed, the challenges involved in migrating to a new core, and the key benefits for both customers and the bank in having its own in-house core platform powering its operations. And finally, we find out what fintech buzzword Dirk wants to cast into our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we're joined by Gilbert Verdian, CEO of Quant, to learn more about blockchain technology and its evolving role in the financial services space. Gilbert and FinTech Futures editor Paul Hindle take a look at some of the big emerging trends including tokenisation and its use cases within banking and capital markets, the rise and future of central bank digital currencies (CBDCs), and the potential benefits of programmable payments for consumers amid the rise in digital wallet usage and digital transactions. And finally, we find out what fintech buzzword Gilbert wants to cast away in our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we're joined by Pinar Alpay, Chief Product and Marketing Officer at identity solutions provider Signicat, to learn more about digital identity and its relationship with financial services, as well as the work that companies such as Signicat are doing in the space. Pinar and FinTech Futures editor Paul Hindle discuss the evolution of digital identity over the last few years, how banks and other financial services firms are looking to adopt the technology, the digital identity landscape across Europe in light of the EU's digital identity wallet pilots, the importance of instilling trust among users, and of course the challenges around fraud given the increasing use of AI and deepfakes and what companies can do to combat this. And finally, we find out what fintech buzzword Pinar wants to cast into - and break out of - our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we're joined by Dr Philip Intallura, Head of Quantum Technologies at HSBC, to learn more about quantum computing and the impact the growth and maturation of the technology could have on financial services. Phil and FinTech Futures editor Paul Hindle demystify how the technology works, dive into its key use cases and benefits in areas such as cybersecurity, and discuss what the wider industry needs to do to prepare for a quantum-enabled future. We also hear more about how HSBC has been experimenting with quantum computing and how it's looking to utilise the technology in its operations. And finally, we find out what fintech buzzword Phil wants to cast into our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we're joined by Jack Pouderoyen, Innovation Manager at Swift, to chat about tokenisation and its potential use cases in financial services, as well as the importance of blockchain interoperability in removing hurdles to its adoption moving forward. Jack and FinTech Futures editor Paul Hindle discuss the proof of concept Swift conducted with Chainlink and a dozen other financial institutions and market infrastructures on blockchain interoperability, which involved leveraging the Swift network to transfer tokenised assets across public and private blockchains, as well as the key takeaways Swift has learned from its experiments and what's next in the pipeline. And finally, we find out what fintech buzzword Jack wants to cast into our Fintech Jail!

In the first episode of season five of the What the Fintech? podcast, we're joined by Hangwi Muambadzi, Principal and Head of Africa at CommerzVentures, to discuss the flourishing fintech scene in Africa, including the key trends and development areas being seen in different markets across the continent. Hangwi and FinTech Futures editor Paul Hindle discuss the technologies and verticals that are seeing the most investment activity, some key advice for founders when it comes to scaling a new start-up in Africa, the parallels between the European and African fintech ecosystems, and the areas of growth to keep an eye on looking forward. And finally, we find out what fintech buzzword Hangwi wants to lock away in our Fintech Jail!

In the final episode of season four of the What the FinTech? podcast, FinTech Futures editor Paul Hindle is joined by writer, podcaster and banking technology veteran Dharmesh Mistry to take a look back at some of the biggest trends to come out of 2023 and discuss what the new year might bring for the sector. The pair cover topics including generative AI, core banking modernisation, the state of the global economy and its impact on the banking sector, fintech funding trends, cryptocurrency and much more. And finally, in the spirit of the holidays, Paul and Dharmesh decide to each release an incarcerated buzzword from our Fintech Jail (and cast another one away for good measure)! The What the FinTech? podcast will return for season five in the new year. Stay tuned! Thanks as always to Orama for editing this podcast. You can find out more about Orama and the services they offer here. https://orama.tv/ Take a look at our catalogue of episodes on the What the FinTech? homepage. https://www.fintechfutures.com/content-hub/what-the-fintech-podcast/

In the latest episode of the What the FinTech? podcast, we're joined by Olivier Berthier, CEO of fintech firm Moneythor, to chat about personalisation in digital banking with a focus on its role in customer acquisition and activation. Olivier and FinTech Futures editor Paul Hindle discuss some of the key challenges banks are facing when it comes to customer acquisition and what it is they can be doing differently, how customer expectations of their banking experience have changed in recent years, and the growing importance of personalised banking services and the work Moneythor is doing in the field. And finally, we find out what fintech buzzword Olivier wants to lock away in our Fintech Jail! Thanks as always to Orama for editing this podcast. You can find out more about Orama and the services they offer here. https://orama.tv/ Take a look at our catalogue of episodes on the What the FinTech? homepage. https://www.fintechfutures.com/content-hub/what-the-fintech-podcast/ This episode is brought to you by Moneythor. https://www.moneythor.com/

In the latest episode of the What the FinTech? podcast, we're joined by Monica Eaton, founder and CEO of Chargebacks911, to learn more about chargebacks and how consumer behaviour has evolved in recent years with Black Friday and the holiday season shopping surge on the horizon. Monica and FinTech Futures editor Paul Hindle discuss how chargebacks can impact businesses, the rise of chargeback fraud and how it can be combatted, and the work companies such as Chargebacks911 are doing in the field to ease chargeback management for businesses. And finally, we find out what fintech buzzword Monica wants to lock away in our Fintech Jail! What the FinTech? | S.4 Episode 21 | Managing chargebacks and payment disputes Thanks as always to Orama for editing this podcast. You can find out more about Orama and the services they offer here. https://orama.tv/ Take a look at our catalogue of episodes on the What the FinTech? homepage. https://www.fintechfutures.com/content-hub/what-the-fintech-podcast/ This episode is brought to you by Chargebacks911. https://chargebacks911.com/

In the latest episode of the What the FinTech? podcast, we're joined by Betsy and Daniel Cohen, SPAC specialists and co-founders of US investment company Cohen Circle, to discuss the future of SPAC mergers for companies looking to go public after the method fell out of favour in recent years following a boom in activity over 2020/21. Betsy, Daniel and FinTech Futures editor Paul Hindle delve into the current sentiment in the industry around SPAC mergers and whether we may see a new wave of popularity as economic conditions improve. We also take a look at the venture capital scene and the notable fintech investment trends to come from this year, as well as how Cohen Circle has looked to approach its investment strategy at a time when global funding activity has slowed down. And finally, we find out what fintech buzzword Betsy and Daniel want to lock away in our Fintech Jail! Thanks as always to Orama for editing this podcast. You can find out more about Orama and the services they offer here. https://orama.tv/ Take a look at our catalogue of episodes on the What the FinTech? homepage. https://www.fintechfutures.com/content-hub/what-the-fintech-podcast/

In this special episode of the What the FinTech? podcast recorded live at Money20/20 USA in Las Vegas, FinTech Futures' US correspondent Heather Sugg is joined by Scot Lenoir, Chairman of Evolve Bank & Trust, to discuss how financial institutions, fintechs, and regulators alike are adapting to regulatory modernisation and how the company is working with regulators to create safe and reliable products customers can use confidently. Now more than ever, it is becoming clear the importance of starting with a strong foundation and meeting regulatory requirements from the start. Embracing market change can help to ensure the long-term success of a company and allow for the continuation of financial services provided to vast communities. Thanks as always to Orama for editing this podcast. You can find out more about Orama and the services they offer here. https://orama.tv/ Take a look at our catalogue of episodes on the What the FinTech? homepage. https://www.fintechfutures.com/content-hub/what-the-fintech-podcast/ This episode is brought to you by Evolve Bank & Trust. https://www.getevolved.com/

In the latest episode of the What the FinTech? podcast, we're joined by Teresa Cameron, Finance Director at payments solutions provider Clear Junction, to discuss the need for evolution in cross-border payments to boost efficiency and speed up processing. Teresa and FinTech Futures editor Paul Hindle delve into how innovations in blockchain, payments tokenisation and crypto could streamline and forge a path forward for cross-border transactions, the geographical challenges that come into play and the shifting regulatory environment around digital assets, and the work Clear Junction is doing in the payments space. And finally, we find out what fintech buzzword Teresa wants to lock away in our Fintech Jail! Thanks as always to Orama for editing this podcast. You can find out more about Orama and the services they offer here. https://orama.tv/ Take a look at our catalogue of episodes on the What the FinTech? homepage. https://www.fintechfutures.com/content-hub/what-the-fintech-podcast/ This episode is brought to you by Clear Junction. https://clearjunction.com/

In the latest episode of the What the FinTech? podcast, we're joined by Arthur Ribakovs, Director of Financial Partnerships at payment service provider Ecommpay, to discuss how business' expectations of open banking have shifted in recent times and the role fintechs are playing in the evolution of the space. Arthur and FinTech Futures editor Paul Hindle discuss the current state of play of open banking in the UK, the key advancements businesses want to see from open banking to meet new customer demands, and the need for greater collaboration in the sector to ensure the UK remains at the forefront of open banking innovation. And finally, we find out what fintech buzzword Arthur wants to lock away in our Fintech Jail! hanks as always to Orama for editing this podcast. You can find out more about Orama and the services they offer here. https://orama.tv/ Take a look at our catalogue of episodes on the What the FinTech? homepage. https://www.fintechfutures.com/content-hub/what-the-fintech-podcast/ This episode is brought to you by Ecommpay. https://ecommpay.com/

In the latest episode of the What the FinTech? podcast, we're joined by Andrea De Gottardo, CEO of UK digital bank Kroo, to chat about how banks in the UK have been responding to rising interest rates and what they should be doing more of to meet customer needs as the cost-of-living crisis rages on. Andrea and FinTech Futures editor Paul Hindle also discuss whether more transparency is needed in the space to help customers choose the right bank for them and the challenges of scaling a new digital bank amid tough macroeconomic conditions. And finally, we find out what fintech buzzword Andrea wants to lock away in our Fintech Jail! Thanks as always to Orama for editing this podcast. You can find out more about Orama and the services they offer here. https://orama.tv/ Take a look at our catalogue of episodes on the What the FinTech? homepage. https://www.fintechfutures.com/content-hub/what-the-fintech-podcast/

In the latest episode of the What the FinTech? podcast, we're joined by Nicola Anderson, CEO of FinTech Scotland, to chat about the country's burgeoning fintech scene. Nicola and FinTech Futures editor Paul Hindle discuss some of the key fintech trends in the country and which areas are seeing the most traction, as well as how FinTech Scotland is pushing to make the country one of the top five fintech hubs in the world and its plans for achieving that goal. And finally, we find out what fintech buzzword Nicola wants to lock away in our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we're joined by Helene Panzarino, Director of the Centre of Digital Banking and Finance at the London Institute of Banking and Finance (LIBF), to chat about the growing issue of financial vulnerability in the UK. Helene and FinTech Futures editor Paul Hindle discuss the characteristics of financial vulnerability and the factors driving it, what financial institutions need to change to ensure they understand the needs of vulnerable consumers and what they should be doing more of to protect them, and the impact the FCA's recent Consumer Duty regulation might have in the push for more consumer protection in financial services. And finally, we find out what fintech buzzword Helene wants to lock away in our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we're joined by Casey Denby, VP of Sales at US tech firm Zenarate, to chat about AI simulation training and how the technology can be used by banks and financial institutions to train call centre staff to deal with a multitude of scenarios. Casey and FinTech Futures editor Paul Hindle also discuss the impact the AI boom is having on job creation, the core use cases for the technology specifically within banking and fintech and what the future might hold for AI, as well as the work Zenarate has been doing in the field. And finally, we find out what fintech buzzword Casey wants to lock away in our Fintech Jail! Thanks as always to Orama for editing this podcast. You can find out more about Orama and the services they offer here. https://orama.tv/ Take a look at our catalogue of episodes on the What the FinTech? homepage. This episode is brought to you by Zenarate. https://www.zenarate.com/

In the latest episode of the What the FinTech? podcast, we're joined by Rajesh Gupta, CFO of UK business bank OakNorth, to chat about the UK's “missing middle” – established small-to-medium enterprises (SMEs) that are looking to scale, but are overlooked or underserved by incumbent banks and alternative lenders – and what banks should be doing more of to ensure they're supporting their business clients through the current economic climate. Rajesh and FinTech Futures editor Paul Hindle also discuss the current business banking landscape in the UK, the impact factors such as rising interest rates are having on businesses looking to scale and the risks for lenders, as well as how banks such as OakNorth have been approaching their lending activities of late. And finally, we find out what fintech buzzword Rajesh wants to lock away in our Fintech Jail! Thanks as always to Orama for editing this podcast. You can find out more about Orama and the services they offer here. https://orama.tv/ Take a look at our catalogue of episodes on the What the FinTech? homepage. https://www.fintechfutures.com/content-hub/what-the-fintech-podcast/

In the latest episode of the What the FinTech? podcast, we're joined by Whikie Liu, Strategy Director, Capital Markets at Swift, to chat about the pain points in corporate actions processing and how Swift has been experimenting with blockchain technology to solve some of the challenges in this area. Whikie and FinTech Futures editor Paul Hindle discuss the potential of blockchain and tokenisation when it comes to addressing the inefficiencies in current corporate actions processing workflows, the key takeaways Swift has learned from its experiments, and what this might mean for the future. And finally, we find out what fintech buzzword Whikie wants to break out of our Fintech Jail! Thanks as always to Orama for editing this podcast. You can find out more about Orama and the services they offer here. https://orama.tv/ This episode is brought to you by Swift. https://www.swift.com/

In the latest episode of the What the Fintech? podcast, we're joined by Simon Boonen, fintech partnership lead at ING, to discuss the growing need for collaboration between banks and fintechs in the rapidly evolving financial services arena and how big banks such as ING approach partnerships, innovation and digital transformation. Simon and FinTech Futures editor Paul Hindle discuss the recent news that the fintech sector is predicted to see sixfold growth in revenue from $245 billion to $1.5 trillion by 2030 and what this could mean for bank and fintech partnerships, as well as what banks look out for in their partners and some of the key innovation areas of focus today. And finally, we find out what fintech buzzword Simon wants to break out of our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we're joined by Ben Morfoot, Director of Product Management at GoCardless, to chat about how the rise in bank payments could mark the end for plastic cards and how new technologies have helped boost the popularity of bank payments with both businesses and consumers. Ben and FinTech Futures editor Paul Hindle discuss how businesses can utilise bank payments and their key use cases, how advancements in embedded finance and open banking have enabled payment service providers to offer these methods to meet growing demand, and what the future looks like for the digital payments space. And finally, we find out what fintech buzzword Ben wants to throw into our Fintech Jail! This episode is brought to you by GoCardless.

In the latest episode of the What the FinTech? podcast, we're joined by Marion King, chair and trustee of the Open Banking Implementation Entity (OBIE) and non-executive director at payments company Cashflows, to chat about the current state of play and next steps for open banking in the UK following the much-anticipated release of the Joint Regulatory Oversight Committee's recommendations. Marion and FinTech Futures editor Paul Hindle discuss whether the new recommendations can help the UK maintain its position as a leader in the open banking space, whether concerns around the lack of clarity in the country's vision for open banking have been alleviated, and whether there's a way to monetise open banking amid concerns from banks about the lack of commercial returns. We also find out what's next for the OBIE, dive into some of the trends and developments in the digital payments space, and discuss how the fintech sector should be doing more to reduce the gender pay gap. And finally, we find out what fintech buzzword Marion wants to throw into our Fintech Jail!

In the latest episode of the What the Fintech? podcast, we're joined by Keith Costello, co-founder, president and CEO of Florida's Locality Bank, to discuss the upcoming Banking Tech Awards USA, taking place on Thursday 1 June 2023 at 583 Park Avenue in New York. Awards judge Keith and FinTech Futures editor Paul Hindle discuss what to look forward to at the event, fintech and digital banking trends and the current banking landscape in the US given what has been an eventful start to the year. And finally, we find out what fintech buzzword Keith wants to cast away in our Fintech Jail! To find out more information about this year's Banking Tech Awards USA and to view all the awards categories and finalists. Link - https://informaconnect.com/banking-tech-awards-usa/ If you're interested in attending the awards ceremony in New York on 1 June, you can book your place here, or email awards@fintechfutures.com for more information. Book your place link: https://informaconnect.com/banking-tech-awards-usa/purchase/select-package/ If you're interested in any sponsorship opportunities, click here or contact Sam Hutton at sam.hutton@fintechfutures.com to learn more. Sponsorship link: https://informaconnect.com/banking-tech-awards-usa/sponsorship/ For more information about the upcoming PayTech Awards USA and to submit your nominations. Link: https://informaconnect.com/paytech-awards-usa/ Thanks as always to Orama for editing this podcast. You can find out more about Orama and the services they offer here. Link: https://orama.tv/ Take a look at our catalogue of episodes on the What the FinTech? homepage. Link: https://www.fintechfutures.com/content-hub/what-the-fintech-podcast/

In the latest episode of the What the FinTech? podcast, we're joined by Sarah Hinkfuss, Partner at Bain Capital Ventures, to chat about the recent downturn in fintech funding activity and the current trends in the venture capital space. Sarah and FinTech Futures editor Paul Hindle discuss declining fintech valuations, how Bain has looked to navigate the current climate and its strategy moving forward, what the year ahead might hold for fintechs looking to raise funding and areas to keep an eye on. And finally, we find out what fintech buzzword Sarah wants to throw into our Fintech Jail!

In the latest episode of the What the Fintech? podcast, we're joined by Charlotte Crosswell, chair of the newly-formed Centre for Finance, Innovation and Technology, a new private sector-led body, with government funding, designed to join the dots between UK fintech players. Charlotte and FinTech Futures reporter Alex Pugh discuss how CFIT will attempt to level up the whole of the UK fintech sector, work with universities and start-ups, and address the UK's labour crunch. And finally, we find out what fintech buzzword Charlotte, somewhat controversially, wants to consign to our Fintech Jail!