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IBSI podcasts for insights and discussions from the world of FinTech and Banking. Listen in to what’s trending in the ever-evolving financial industry.

IBS Intelligence Podcasts | A Cedar Consulting Unit


    • May 15, 2026 LATEST EPISODE
    • weekdays NEW EPISODES
    • 12m AVG DURATION
    • 979 EPISODES


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    Latest episodes from IBS Intelligence Podcasts

    Ep980: AI, Compliance & the New Age of Islamic Banking

    Play Episode Listen Later May 15, 2026 10:09 Transcription Available


    Rajesh Saxena, CEO, Consumer Banking, and Rami Roukoss, product expert, Intellect Design Arena LimitedAs Islamic banking gains global momentum amid rising demand for ethical, Shariah-compliant financial services, Puja Sharma speaks with Rajesh Saxena, CEO, Consumer Banking, and Rami Roukoss, Product Expert at Intellect Design Arena Limited, on the evolving role of digital transformation, AI-driven pool management, and how eMACH.ai is helping Islamic banks modernise products, operations, and customer experiences. 

    EP979: Treasury solution for LPBank

    Play Episode Listen Later May 15, 2026 23:01 Transcription Available


    This interview details the award-winning implementation of the Finastra Kondor treasury solution at LPBank, a prominent financial institution in Vietnam. Deputy CEO Nguyễn Ánh Vân explains how the bank successfully integrated this front-to-back office platform on an accelerated timeline alongside a major core banking transformation. By moving from manual tasks to automated end-to-end processing, the bank has significantly enhanced its operational efficiency and risk management capabilities. The discussion highlights the vital role of collaborative partnerships and expert resource allocation in overcoming technical and regulatory challenges. Furthermore, the text explores future prospects, including the potential for AI integration to further refine market analysis and business forecasting. Ultimately, the upgrade serves as a strategic benchmark for the bank's continued expansion into regional and global financial markets.

    EP978: The Importance of Reliability and Resilience

    Play Episode Listen Later May 14, 2026 21:49 Transcription Available


    This interview with Yethi Consulting CEO Srirang Srikantha explores the critical role of quality assurance in the modern banking sector. Srikantha highlights how digital transformation has heightened customer expectations, making application speed and reliability more vital than traditional financial metrics for maintaining loyalty. He cautions financial institutions against over-relying on software vendors for system integrity, suggesting that independent testing is necessary to ensure flawless performance. The discussion further examines how full-stack observability and artificial intelligence can help manage the growing complexity of banking technology. Ultimately, the text presents a case for proactive performance validation to prevent costly technical failures and protect a bank's reputation.

    EP977: The theory and practice of BaaS

    Play Episode Listen Later May 13, 2026 20:59 Transcription Available


    This interview with George Toumbev of NatWest Boxed details the rise of Banking-as-a-Service (BaaS), highlighting partnerships with Saga and The AA. Toumbev predicts most retail banking revenue will shift away from traditional channels by 2030, necessitating "embedded banking" that utilizes a bank's license and balance sheet on brand platforms. Successful implementation requires strategic coherence between the brand and financial product, balancing technical excellence with strong banking credentials for safety. To ensure scalability, Boxed uses standardized "Lego block" modules rather than bespoke designs. Ultimately, this model allows brands to increase revenue and sales while outsourcing complex risk management and regulatory compliance to the bank

    EP976: Modular, cloud-native, and digital-first

    Play Episode Listen Later May 12, 2026 20:06 Transcription Available


    This interview features Udeet Bhagat from PureSoftware discussing the success of their flagship banking platform, Arttha. The source highlights how this cloud-native and modular technology enables financial institutions to automate digital onboarding and loan origination processes. A major focus is placed on the platform's ability to remain scalable while adapting to local regulatory requirements in diverse markets like Africa and Southeast Asia. The text also outlines future plans to integrate AI-driven credit scoring and alternative data, such as mobile money trails, to improve financial inclusion for underserved populations. Ultimately, the company emphasizes its commitment to innovation and agile design to keep pace with the rapidly evolving fintech landscape.

    EP975: Listening, learning and strategising…

    Play Episode Listen Later May 11, 2026 16:50 Transcription Available


    In this interview, Chris Walters of Finastra outlines a strategic pivot toward customer-led innovation following a year of extensive global engagement with clients. He explains that the company is doubling down on its core strengths—lending, payments, and core banking—while divesting its Treasury and Capital Markets business to reinvest capital into these high-impact leadership areas. To address the increasing pressure on financial institutions to modernize, Finastra is embedding AI to automate routine tasks and simplifying its own operating model to be easier to work with, prioritizing faster implementation and intuitive support. Walters also identifies significant growth opportunities in underserved mid-sized institutions and emerging segments like private credit. Ultimately, he envisions Finastra as a leaner, customer-obsessed strategic ally that delivers reliable, enterprise-grade technology designed to help institutions of all sizes succeed in a rapidly evolving market

    EP974: Banks Shift Focus from Client Growth to Value Chain Control

    Play Episode Listen Later Apr 28, 2026 15:32 Transcription Available


    Deepa Santhanam, Partner & SVP - Business Consulting, Intellect Design ArenaIn an era where growth is defined by ecosystem depth rather than customer count, Puja Sharma speaks with Deepa Santhanam, Partner & SVP - Business Consulting at Intellect Design Arena, on how banks can outperform by embedding themselves into industry value chains—leveraging APIs, AI, and platform models to drive stronger liquidity, resilience, and competitive advantage in wholesale banking.

    EP973: The Challenge of Achieving integrated Payments

    Play Episode Listen Later Apr 27, 2026 19:54 Transcription Available


    In this interview, Tommaso Jacopo Ulissi of Nexi Group explores the ongoing convergence of digital payments with specialized business management software. He explains that modern merchants no longer seek isolated transaction tools, but rather integrated ecosystems that handle industry-specific tasks like table management or online booking. To remain relevant, payment service providers must shift from being simple utility companies to becoming embedded partners within the software platforms that merchants use to run their daily operations. This transformation requires a focus on seamless API integration and user experience to meet the rising demand for all-in-one digital solutions. Ultimately, the industry is moving toward a cooperative model where payment capabilities are hidden, yet essential, components of a broader merchant interface.

    EP972: Winning with Essence Enabling Banks to Adapt, Evolve and Thrive

    Play Episode Listen Later Apr 21, 2026 22:45 Transcription Available


    This interview features Siobhan Byron from Finastra explaining how their Essence core banking platform enables financial institutions to succeed in a digital-first economy. The text highlights successful partnerships with Tonik and Oro Bank, demonstrating how cloud-native architecture and modular design allow for rapid product launches and reduced operational costs. Byron emphasizes that modern banking is shifting toward open finance and embedded services, requiring systems that are both agile and highly interoperable. A significant portion of the discussion focuses on the integration of artificial intelligence, including generative AI assistants and predictive analytics, to enhance employee productivity and customer personalization. To manage the risks of modernization, the source introduces the "Symbiosis" approach, which allows banks to upgrade specific components incrementally rather than replacing entire legacy systems at once. Ultimately, the source illustrates how technological flexibility helps banks navigate regulatory complexities and meet evolving consumer expectations.

    EP971: A trusted partner, modernising with confidence

    Play Episode Listen Later Apr 20, 2026 18:12 Transcription Available


    In an interview with IBS Intelligence, William Moroney of Temenos discusses the urgent need for financial institutions to replace outdated legacy systems with flexible, modern technology. He explains that banks are increasingly adopting cloud-native platforms and artificial intelligence to enhance operational efficiency, combat financial crime, and provide tailored customer experiences. Temenos is supporting this transition by offering modular software solutions and AI-driven tools that allow for faster product launches and more secure data management. The discussion highlights a global shift toward strategic IT investment, where technology providers act as essential partners in navigating regulatory changes and digital transformation. Ultimately, the source emphasizes that successful modernization depends on ecosystem collaboration and the ability to scale innovation through a single, adaptable platform.

    EP970: Why Banks Are Rethinking Tech, Trust and Partnerships

    Play Episode Listen Later Apr 10, 2026 15:06 Transcription Available


    Raj Jathar, SVP Sales Engineering, Azentio In an era of geopolitical volatility, cyber risk, and regulatory pressure, Puja Sharma speaks with Raj Jathar, SVP Sales Engineering at Azentio, on redefining tech resilience through strategic partnerships, domain expertise, and modernisation that balances compliance, continuity, and customer trust.

    EP969: A clear Focus on Solving Structural Challenges

    Play Episode Listen Later Apr 9, 2026 17:45 Transcription Available


    Qualco, founded 25 years ago in collections technology, has evolved into a full-spectrum FinTech partner covering the entire credit value chain. Deputy CEO Spyros Retzekas credits this growth to client intimacy, local market understanding, and disciplined international expansion. The company differentiates itself by working closely alongside clients rather than operating as a distant vendor. AI has long been central to Qualco's platforms through machine learning and analytics, with generative AI now being embedded to further enhance workflows and decisioning. Looking ahead, Qualco plans to scale AI-native, cloud-based SaaS solutions globally. A recent milestone is their partnership with France Contentieux, consolidating fragmented systems into a unified, automated collections platform reinforcing Qualco's growing footprint across Europe.

    EP968: Globally Scalable, Locally Compliant

    Play Episode Listen Later Apr 8, 2026 18:56 Transcription Available


    Joaquin de Valenzuela, nCino's MD EMEA, reflects on his first year highlighting the platform's impact, bankers save 8–10 hours weekly through AI tools. nCino serves over 2,700 customers globally, with banks originating more than $3 trillion in loans on the platform. Cloud-native architecture enables continuous innovation and automatic compliance updates. Across EMEA, priorities differ: European banks focus on efficiency and compliance, Middle Eastern banks on growth, and African institutions on financial inclusion. nCino's competitive edge lies in its vast banking dataset, unified data model, and a three-phase AI roadmap from staff productivity tools to agentic AI and ultimately autonomous banking systems. The biggest industry challenge remains balancing rapid innovation with the security and stability that banking demands.

    EP967: Transformation in banking is inevitable and existential

    Play Episode Listen Later Apr 1, 2026 11:08 Transcription Available


    Karthik Sethuraman, Chief Delivery & Risk Officer, audax Financial TechnologyBanks now view failure to modernise core systems as an existential risk. In APAC, 93% of banking leaders admitting the right platform is critical to future success – presumably the remaining 7% are contemplating career change! Robin Amlôt of IBS Intelligence talks banking transformation with Karthik Sethuraman, Chief Delivery & Risk Officer of Singapore-based digital banking solutions provider audax. Banks must address their core infrastructure to compete effectively while meeting customers' increasing digital expectations.

    EP966: How incumbent banks can respond to the challenge of neobanks

    Play Episode Listen Later Apr 1, 2026 12:51 Transcription Available


    Fernando Zandona, Chief Executive Officer, MambuSecuring the future of your bank means securing the next generation of customers. It is a fact that once people pick a bank, they very rarely switch. But how should incumbents square up to the challenges posed by the rush of neobanks coming to the market? How best to pivot without losing sight of core compliance, trust and scale? Fernando Zandona, CEO of cloud-native, software-as-a-service (SaaS) core banking platform Mambu speaks to Robin Amlôt of IBS Intelligence.

    EP965: The Digital Rupee & Beyond: Reimagining Money in a Tokenised Economy

    Play Episode Listen Later Mar 30, 2026 13:21 Transcription Available


    Edul Patel, CEO & Co-founder, MudrexAs central banks globally explore digital currencies, India's Digital Rupee pilot marks a significant step toward rethinking monetary infrastructure. Beyond faster payments, CBDCs have the potential to reshape settlement systems, enable programmability, and unlock new fintech innovation.In this episode, Vriti Gothi speaks with Edul Patel, CEO & Co-founder of Mudrex, to explore the role of CBDCs in addressing inefficiencies in the financial system, their impact on banks and payment ecosystems, and the emerging opportunities for fintechs. They also discuss the balance between privacy and control, the coexistence of CBDCs and cryptocurrencies, and what it will take for India's Digital Rupee to scale meaningfully in the years ahead.

    EP964: Business at the Speed of Light

    Play Episode Listen Later Mar 30, 2026 13:44 Transcription Available


    Masahisa Kawashima, IOWN Technology Director at NTT, discusses how IOWN (Innovative Optical and Wireless Network) technology will transform financial services. IOWN's photonic infrastructure enables high-speed, low-latency, and highly reliable data transfer, essential for financial institutions requiring seamless AI and data-driven operations. It allows for efficient, scalable, and sustainable data center operations by reducing power consumption through decentralized setups in suburban areas. IOWN's infrastructure will also enhance security, operational resilience, and disaster recovery. The technology aims to provide banks with high-bandwidth, low-latency connectivity for AI computing, improving business continuity and data management. While large-scale deployment may take a few years, IOWN is positioning itself as a key enabler for the next generation of digital financial services

    EP963: The outlook for M&A in US financial services and the influence of technology

    Play Episode Listen Later Mar 26, 2026 11:52 Transcription Available


    Mac Thompson, Founder & President, White ClayConsolidation in the banking and finance sector is set to continue. Around 180 bank deals were announced in 2025 and there are going to be more to come in 2026. The pressing need to take advantage of developing technologies is one notable cost factor that may drive smaller institutions into the arms of their larger counterparts. White Clay Founder and President Mac Thompson speaks to Robin Amlôt of IBS Intelligence.

    EP962: How better understanding of risk leads to better decision making

    Play Episode Listen Later Mar 26, 2026 8:01 Transcription Available


    Rajiv Bhat, CEO, martini.aiDescribing itself as the world's broadest and fastest risk engine, martini.ai aims to redefine how financial professionals access and interpret credit risk data through a free, platform. CEO Rajiv Bhat is leading a movement toward open, transparent credit data as investors and lenders around the world seek real-time visibility into risk. Robin Amlôt of IBS Intelligence discusses how transparency and better data are reshaping credit, lending, and portfolio management with Rajiv Bhat of martini.ai.

    EP961: Rethinking Banking: The Future of AI in Financial Services

    Play Episode Listen Later Mar 23, 2026 14:39 Transcription Available


    As artificial intelligence continues to make waves in the banking sector, this episode dives into how it's reshaping working capital management. We discuss how AI, APIs, and automation are unlocking new efficiencies in liquidity, supply chain resilience, and sustainable finance. The conversation covers AI's transformative role in improving credit scoring, fraud detection, and operational agility. With insights on AI-driven decision-making models, the episode also highlights the balance between speed and responsible risk management. As financial institutions scale globally, the need for innovation and regulatory adaptability becomes even more critical. Discover how AI is not just enhancing but revolutionizing banking and financial services for the future.

    EP960: Unlocking the Power of AI in Working Capital Solutions

    Play Episode Listen Later Mar 23, 2026 24:27 Transcription Available


    In this episode of The Big Interview, Raja Debnath, MD, and Chairperson of Veefin Group, discusses the evolving future of working capital management, where AI and automation are becoming central to financial stability. He highlights how Veefin is leading AI-driven risk control and multi-lender orchestration to transform liquidity management for MSMEs. He also shares key lessons from scaling Veefin across $30bn disbursements and 15+ diverse financial ecosystems, offering insights into legacy modernization, modular architecture, cloud adoption, and effective data strategies.  With an eye on global expansion, Veefin is focused on deepening product innovation and forming strategic partnerships in emerging markets like Africa and Asia. Tune in to discover how AI is reshaping the landscape of working capital finance and driving growth across global financial ecosystems.

    EP959: Banks Recalibrate as Resilience Becomes the New Technology Mandate

    Play Episode Listen Later Mar 12, 2026 20:00 Transcription Available


    Navigating Bank Partnerships - A West Asia FinTech Guide: The latest from IBSi Perspectives, offers a strategic view of how FinTechs must navigate geopolitical uncertainty while strengthening their relationships with Banks in the region. It provides practical insights on how FinTech firms can work with banks, focusing on partnerships, regulatory considerations, and evolving priorities shaping the next phase of banking across the Middle East.

    EP958: Rewriting the Rules of Regulatory Resilience

    Play Episode Listen Later Mar 12, 2026 18:00 Transcription Available


    Bhavana Mallesh, Chief Technology Officer and Co-Founder of Gieom Business Solutions Private Ltd. As regulatory expectations shift from periodic compliance to continuous supervision, financial institutions are rethinking how they manage operational resilience, risk governance and regulatory accountability. Against this backdrop, Puja Sharma speaks with Bhavana Mallesh, Chief Technology Officer and Co-Founder of Gieom Business Solutions, about embedding AI-driven intelligence into compliance and resilience frameworks, navigating complex global regulations and emerging RBI guidelines, and how financial institutions can move from reactive, deadline-driven compliance to building transparent, future-ready resilience operating models.

    EP957: Reprogramming Transaction Banking with Programmable Finance

    Play Episode Listen Later Mar 11, 2026 17:55 Transcription Available


    Vaibhav Tambe, Co-founder & CEO, TransBnkWhat happens when money becomes programmable? In this edition of The Big Interview, we spotlight how TransBnk is re-engineering transaction banking from the ground up.Speaking with Co-founder and CEO Vaibhav Tambe, we explore how programmable finance allows businesses to embed logic directly into payments - releasing funds on milestone verification, automating sweeps, and reconciling in real time. The company's recon-first architecture replaces end-of-day processes with continuous, rule-driven matching.We also examine how Escrow-as-a-Service is opening secure, conditional fund flows to MSMEs, startups, and real estate players - capabilities once limited to large corporates. With 220+ clients and 40+ bank integrations, TransBnk is positioning itself as a treasury operating layer, built compliance-first and API-driven.The larger ambition is clear: democratise sophisticated banking infrastructure and make intelligent money movement accessible at scale.

    Ep956: Where Cloud Meets AI: Redefining the Future of Digital Lending

    Play Episode Listen Later Mar 11, 2026 20:13 Transcription Available


    Hari Padmanabhan, Founder – Chairman, UnciaThe discussion moves beyond buzzwords like AI and cloud-native, arguing that most institutions are still in early transformation stages. True AI-driven lending, he suggests, will emerge only when every transaction continuously trains the system. Uncia's Zero Implementation and Self-Serve model challenges traditional, time-heavy deployments - shifting control to institutions through configurable, low-code tools like Uncia Studio.We also explore how the Pay-As-You-Grow model is reshaping cost economics for SME lenders and NBFCs, turning technology from upfront capex into scalable opex.The broader shift? Lending platforms are evolving from static systems into adaptive ecosystems - where cloud, AI, and embedded learning quietly redefine how credit is designed, deployed, and scaled.

    EP955: AI Powers Next Phase of SME and Agri Finance

    Play Episode Listen Later Feb 27, 2026 11:56


    Brajesh Khandelwal, EVP and Head – Lending Intellect Consumer Banking, Intellect Design Arena LimitedAs artificial intelligence reshapes the future of lending, financial institutions are rethinking how credit is assessed and delivered across underserved sectors. Against this backdrop, Puja Sharma speaks with Brajesh Khandelwal, EVP and Head – Lending at Intellect Design Arena, about embedding AI at the core of SME and agri lending, unlocking deeper financial inclusion, driving measurable impact through large-scale implementations, and how banks can build intelligent, future-ready lending ecosystems by 2030.

    EP954: Transforming Digital Banking: The Predictive AI & Low-Code Revolution

    Play Episode Listen Later Feb 24, 2026 20:29


    Sundararajan S., Co-Founder and Chief Executive Officer of i-exceed technology solutionsi-exceed explores the future of digital banking through three key pillars: AI-powered personal financial management, real-time risk mitigation, and unified customer profiles. By leveraging predictive AI and low-code platforms like Appzillon, banks can modernize quickly while maintaining transparency, enhancing customer trust, and improving financial wellness. As banks shift from reactive to anticipatory engagement, i-exceed is driving innovation with solutions that balance legacy integration challenges and accelerate digital transformation. With a roadmap focused on next-generation explainable AI and expanded Banking-as-a-Service (BaaS), i-exceed is poised to lead the future of intelligent, customer-first financial services.

    EP953: Agentic AI: Revolutionizing Credit & Collections in the Age of Automation

    Play Episode Listen Later Feb 23, 2026 19:39


    Raj MKK, CEO of CreditNirvana.ai, discusses how agentic AI is reshaping the credit and collections cycle by replacing manual, fragmented workflows with autonomous, hyper-personalised recovery processes. Focusing on India and Southeast Asia, he highlights the role of multilingual voice intelligence in overcoming regional language barriers, improving compliance, and enhancing borrower experience. Raj also emphasizes the importance of bounded autonomy and human-in-the-loop governance to ensure trust and oversight in AI systems. As agentic AI evolves, it is transforming lending and collections, enabling real-time data-driven decision-making and integration of ESG factors into credit decisioning.

    EP952: Smarter Rewards, Better Credit: The Rise of Intelligent Financial Optimisation

    Play Episode Listen Later Feb 19, 2026 16:14


    Ashish Lath, Founder & CEO, SaveSageLoyalty programmes and credit card rewards promise value, but for many consumers, the reality is complexity, fragmentation, and missed opportunities. As digital finance evolves, technology is beginning to change how users track rewards, optimise spending, and make more informed credit decisions.In this episode, Vriti Gothi speaks with Ashish Lath, Founder & CEO of Save Sage, about the biggest challenges consumers face in managing loyalty points and credit benefits, and how AI, automation, and Open Banking are enabling smarter rewards management and credit optimisation. They discuss the role of intelligent tools in improving financial wellbeing, the shift toward unified and interoperable rewards ecosystems, and how companies can balance engagement with ethical design and responsible borrowing. 

    EP951: The Pipes Behind India's Digital Money Machine

    Play Episode Listen Later Jan 29, 2026 15:00


    Debiprasad Sarangi, Founder and CEO, iServeUFrom soundboxes in small-town kirana stores to APIs running national banks, India's FinTech stack is quietly rewriting how participation scales. Puja Sharma speaks with Debiprasad Sarangi of iServeU, on the infrastructure powering this shift.

    EP950: How Salary Is Powering the Next Inclusion Wave

    Play Episode Listen Later Jan 28, 2026 9:19


    Piyush Bagaria, Co-founder, SalarySe Salary-linked finance is reshaping how Indian employers think about retention, responsibility, and financial wellbeing. Puja Sharma speaks with Piyush Bagaria, Co-founder, SalarySe, on how salary-linked finance is pushing financial wellness from the HR desk to the boardroom. 

    EP949: The coming of the agent-to-agent conversation economy

    Play Episode Listen Later Jan 14, 2026 13:55


    Kevin Flood, Director of Payments Ecosystem Strategy, FISFor years, banks have been pouring money into app development, yet the next revolution in customer interaction may not happen in an app at all. A global shift is underway towards conversational finance – where relationships begin and end in a message thread. Consumers don't want to download another app, they want to chat, ask and act. Robin Amlôt of IBS Intelligence has been in conversation with Kevin Flood, Director of Payments Ecosystem Strategy at FIS.

    EP948: Beyond the Hype: Making Blockchain Secure, Compliant, and Enterprise-Ready

    Play Episode Listen Later Jan 7, 2026 13:33


    Siddharth Ugrankar, CEO & Co-Founder, Qila.ioBlockchain has long been associated with hype and experimentation, but its real value is now emerging in highly regulated environments like banking, insurance, and financial services. As institutions prioritise security, compliance, and transparency, enterprise-grade blockchain is becoming a practical foundation for next-generation financial infrastructure.  In this episode, Vriti Gothi speaks with Siddharth Ugrankar, CEO and Co-Founder of Qila.io, to unpack how blockchain can strengthen trust in banking systems, the role of private blockchains in CBDCs and cross-border settlements, and how tokenisation and smart contracts are reshaping financial markets. They also discuss India's evolving regulatory stance on data localisation and explore real-world use cases where blockchain is already delivering measurable impact across BFSI.

    EP947: A perfect storm – trade finance compliance at a turning point

    Play Episode Listen Later Jan 6, 2026 19:10


    Anar Qasem, Vice President of MENA, Cleareye.aiTrade-based money laundering is how criminals move dirty money across borders disguised as legitimate trade. Banks are spending millions but are still missing most suspicious activities, in part because 80% of global trade operates on open account terms with minimal documentation. So, what can be done? Anar Qasem, Vice President of MENA for Cleareye.ai, discusses solutions with Robin Amlôt of IBS Intelligence. 

    EP946: From Insight to Impact: How AI Is Reshaping Financial Services

    Play Episode Listen Later Dec 24, 2025 8:06


    Jeeja Gopinath, Managing Director, Zentis AI & Techvantage.aiArtificial Intelligence is moving beyond experimentation to become a core driver of transformation across banking, financial services, and FinTech. But as institutions grapple with legacy systems, regulatory scrutiny, and the need for responsible innovation, translating AI vision into real-world impact remains a challenge.In this episode, Vriti Gothi speaks with Jeeja Gopinath, Managing Director at Zentis AI and Techvantage.ai, about where AI is delivering tangible value today, how financial institutions can move from strategy to execution, and the role of governance in scaling AI responsibly. They explore real-world enterprise use cases, the balance between speed and compliance, and the emerging AI trends shaping the next wave of FinTech innovation.

    EP945: Meeting compliance and consumer trust goals with biometric ID frameworks

    Play Episode Listen Later Dec 18, 2025 10:29


    Veena Nair, Head of Content, Humanity ProtocolHumanity Protocol aims to verify people, not passwords through palm biometrics converted into zero-knowledge proofs so platforms can block bots and fraud while keeping biometric data private and off-chain. It works on a smartphone and is already rolling out to users and enterprise pilots in finance. The firm is backed by Animoca and was most recently valued at over $1 billion. Robin Amlôt of IBS Intelligence speaks to Veena Nair, Head of Content at Humanity Protocol.

    EP944: An all-in-one payments platform for emerging markets

    Play Episode Listen Later Dec 18, 2025 14:06


    Pedro Arnt, Chief Executive Officer, dLocaldLocal simplifies cross-border transactions in emerging markets, connecting global enterprise merchants with billions of emerging market consumers across APAC, the Middle East, Latin America, and Africa. Through the "One dLocal" concept (one direct API, one platform, and one contract), global companies can accept payments, send payouts, and settle funds globally—without the need to manage separate processors or set up local entities of their own. Robin Amlôt of IBS Intelligence speaks to Pedro Arnt, CEO of dLocal.

    EP943: Enabling near-instant settlement of cross-border transactions

    Play Episode Listen Later Dec 17, 2025 8:47


    Prabhakar Reddy, Founder & CEO, OpenFXOpenFX is building a real-time, open and transparent FX network, aiming to solve the last-mile problem in international money movement by using stablecoins as an intermediary – bringing FX transactions kicking and screaming into the 21st century! Robin Amlôt of IBS Intelligence discusses the future of FX, and how spreads and fees are already being compressed, with Prabhakar Reddy, Founder and CEO of OpenFX

    EP942: The business cases for large language models in trade finance

    Play Episode Listen Later Dec 17, 2025 12:11


    Chandrasekhar Somasekhar, Chief Technology Officer, cleareye.aiThe business of trade finance is traditionally exhaustively documented but mix in a large language model (LLM) and that business can suddenly become much less of a challenge for those who must review the documentation. Chandrasekhar Somasekhar is CTO of cleareye.ai and also leads the firm's Product Engineering team. He discusses the adoption and use cases of LLMs in trade finance with Robin Amlôt of IBS Intelligence. 

    EP941: How New-Age Lending Aims to Outrun the NPA Trap

    Play Episode Listen Later Dec 10, 2025 13:57


    Mahesh Shukla, Founder & CEO, PayMeIndia's digital lending space is shifting toward trust, compliance, and responsible growth. Puja Sharma speaks with Mahesh Shukla, Founder and CEO of PayMe, on building a sustainable, AI-enabled lending model for Bharat. The conversation unpacks instant credit access, data-driven underwriting beyond CIBIL, and what responsible FinTech scale looks like in 2025.

    EP940: Securing Bharat's Financial Future: Digital Inclusion in Life Insurance

    Play Episode Listen Later Dec 8, 2025 18:04


    Casparus Kromhout, Managing Director & CEO, Shriram Life InsuranceLife insurance in India is undergoing a pivotal shift from traditional, agent-driven models to digitally enabled, inclusion-led experiences. Rural and emerging India, once underserved, has now become the next frontier for financial protection and long-term security. In this episode, Vriti Gothi sits down with Casparus Kromhout, MD & CEO at Shriram Life Insurance, to explore how the industry is evolving with technology, simplified onboarding, and trust-driven distribution. They discuss the unique needs of rural India, the rise of digital channels, the role of AI in risk evaluation and customer engagement, and Shriram Life's approach to building accessible financial protection for every Indian household. 

    EP939: How to stay competitive in today's changing payments landscaple

    Play Episode Listen Later Dec 2, 2025 14:46


    Buddhadeb Das Gupta, EVP & Global Head of Payments & Digital Solutions, Yethi ConsultingIncreasing architectural complexity and ever-changing regulatory demands have left the global payments ecosystem at a critical inflection point. Transformation and compliance are now a matter of business survival. Robin Amlôt of IBS Intelligence talks to Buddhadeb ‘Deb' Das Gupta of Yethi Consulting about the economics of competitive positioning and how to build sustainable competitive advantage.

    EP938: Looking to the real time future of payments

    Play Episode Listen Later Dec 1, 2025 7:58


    Mike Walters, Chief Executive Officer, Form3Form3 offers a cloud-native, real-time account-to-account payment platform. Robin Amlôt of IBS Intelligence discusses the recent introduction of verification of payee with Mike Walters, CEO of Form3. What do the new requirements mean for payment services providers (PSPs) and banks, and what does the future hold for FinTechs in payments processing? We also discuss Nationwide's recent ‘strategic' investment in Form3 and what it will enable the company to do.

    EP937: How lending to SMBs is being disrupted in the US by embedded finance

    Play Episode Listen Later Dec 1, 2025 13:20


    Kunal Bhasin, Founder & Chief Executive Officer, 1WestSmall businesses in the US now have more choice in financing but closing the lending gap comes at a price. Small loans don't make economic sense to the banks, At the same time bank loans are still taking too long to arrange.  Addressing both those issues allows alternative lenders to carve out a profitable niche and provides SMBs with solutions to their funding needs. Robin Amlôt of IBS Intelligence talks to Kunal Bhasin, Founder and CEO of platform provider 1West. 

    EP936: India's AI Breakout: 87% of Enterprises Are In, But Who's Winning the Intelligence Race?

    Play Episode Listen Later Nov 28, 2025 14:17


    Mathangi Sri Ramachandran, Co-Founder & CEO, YuVerse (A Yubi Company)India's AI landscape is entering a golden phase, with enterprises rapidly moving from basic workflow automation to intelligence-driven decisioning across core operations. Against this backdrop, Puja Sharma speaks with Mathangi Sri Ramachandran, Co-Founder & CEO of YuVerse, about building an “Intelligent Core” for enterprises, spanning voice automation, document intelligence, video personalisation, and decisioning at scale for leading banks and regulators, and what responsible, compliant, multilingual AI deployment will mean for the next wave of AI-led enterprise transformation. 

    EP935: The future of open_banking in the US hangs in the balance

    Play Episode Listen Later Oct 30, 2025 9:31


    Matt Whetton, CTO, Acquired.comWhat lessons can the US learn from open banking in the UK and Europe? Three areas spring to mind – data privacy, user empowerment and government-industry coordination. The question is how likely is progress in these areas? In the last case, probably none at all (!) with open banking in the US being market driven. Matt Whetton, Chief Technology Officer at Acquired.com discusses open banking with Robin Amlôt of IBS Intelligence.

    EP934: Wanted, one real-time cohesive view of UHNWI wealth…

    Play Episode Listen Later Oct 28, 2025 14:55


    Robert Mallernee, Chief Executive Officer, Eton SolutionsEton Solutions offers a platform that helps family offices across 15+ countries manage $1 trillion in ultra-high-net-worth family wealth, pulling together investment, accounting, tax, and additional data from countless sources. UHNW families can see their net worth in real time from a mobile app. Robert Mallernee, CEO of Eton Solutions discusses the challenge of building FinTech for the most complex and private clients in the world with Robin Amlôt of IBS Intelligence.

    EP933: ISO20022 – the financial messaging format is coming, whether you are ready or not!

    Play Episode Listen Later Oct 28, 2025 12:15


    Annemarie Bona & Melissa Stevenson, Product Managers, ION Group If your bank is not ready for the transition to support the new messaging format, the risk is that transactions may get derailed with payments being refused. With the deadline just weeks away, what steps should treasurers put in place, including how to lead on communication with banks and corporates? There is also an opportunity to leverage the ISO project for greater Treasury transformation, including enhanced data analysis and real-time treasury. Robin Amlôt of IBS Intelligence speaks to Melissa Stevenson and Annemarie Bona, both Product Managers at ION Group.

    EP932: Crossing the tech divide, the future of wealth management

    Play Episode Listen Later Oct 24, 2025 10:14


    Peter O'Brien, Head of Global Growth+Partnerships, AddeparSome 87% of UK wealth managers believe that AI is crucial to the future of the wealth management industry yet over half believe their current technology systems still need to be upgraded. Alternative investments, from art and wine to vintage cars, are booming, but UK firms are struggling to access and track them. Peter O'Brien, Head of Global Growth+Partnerships, at Addepar speaks to Robin Amlôt of IBS Intelligence about how wealth managers can attract both new clients and young talent, by investing in smarter technology tools.

    EP931: How platforms are moving beyond core services to become financial partners

    Play Episode Listen Later Oct 20, 2025 13:07


    Max Schertel, Co-Founder & CEO, finmidWhat's next for embedded financing? Business platforms are already emerging as critical providers of capital for their SME clientele – customers who have been traditionally underserved when it comes to funding options. Now, the fastest growing platforms may well be making more money from embedded financial services than from their core business! Max Schertel of embedded finance provider finmid speaks to Robin Amlôt of IBS Intelligence about the business opportunity being created. 

    EP930: How to improve your KYC bulwark against fraudsters

    Play Episode Listen Later Oct 20, 2025 12:16


    Andrew Bud, Founder & CEO, iProoviProov's threat intelligence research shows an unprecedented escalation in attacks designed to bypass KYC checks across not only neobanks but also banking in generaal, crypto exchanges, e-wallets, and digital payment platforms. Andrew Bud, Founder & CEO of iProov discusses what can be done to block such attacks with Robin Amlôt of IBS Intelligence, explaining how facial biometric verification with certified liveness detection, tied to a government-issued ID, should be a non-negotiable security measure for secure identity verification in financial services. 

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