Interviews with Leaders in Fintech & Web3

Matt Ober, General Partner at Social Leverage, delves into the world of data, automation, networking, and early-stage investing.Matt shares his journey from specializing in equity derivatives at Bloomberg to hedge funds and then leveraging his expertise to navigate the complex waters of venture capital.00:00:52 Matt Ober shares his background from Bloomberg, WorldQuant, Third Point and the journey into fintech and venture capital00:02:14 Scaling WorldQuant 100x with data00:07:02 Moving to venture capital from hedge funds00:08:42 Why is data so important in fintech - access to information... and financial markets?00:09:56 AI is the next frontier00:14:52 What are the opportunities in fintech and web300:16:34 Opportunities in wealthtech00:18:09 Exciting areas for people in their studies or early careers to focus on in fintech and web300:19:14 No such thing as the perfect job00:20:09 Networking as a superpower - social leverage00:21:18 Follow the laws of karma as you go through your career00:22:28 Generalist versus specialist00:25:46 Always be learning00:26:55 Investing in people at seed stage startups00:28:29 Summary Read Matt's insight's here https://mirror.xyz/workinfintech.ethCheck out our website: https://workinfintech.com/ and subscribe to our mailing list to hear more about opportunities in fintech and web3Follow our socials: Linkedin: https://www.linkedin.com/company/work-in-fintech-global/Twitter: https://twitter.com/WorkinFintechYoutube: https://www.youtube.com/channel/UCdS4bYoCXaHVgfVm6syUrDwNFT newsletter: https://futureloop.com/thefutureofnfts

Jonathan Holis is Managing Partner at Mountside Ventures. He joins Work in Fintech's Matthew Cheung to share insights about:-The steps from idea to funding-Breaking down the fundraising process-Tips to close funding quickly and efficiently1:01 How Jonathan went from PWC to founding a venture company4:48 What does Mountside Ventures do5:53 What is a fundraising process 8:00 Looking for the right investor 9:14 Different types of investors 11:04 Raising money is like sales 12:09 Valuation is more of an art than a science 14:48 Startup and funding terminology - what is a series A, B etc 16:55 How did you go about starting your own fund 23:12 Knowing your investor and how they raise money will help you close faster 24:48 Tips to speed up the investment process (decks, biz plans) 27:36 Lifecycle of an investment fund - VCs have to do the same fundraising process that startups do Check out our website: https://workinfintech.com/ and subscribe to our mailing list to hear more about opportunities in fintech and web3Follow our socials: Linkedin: https://www.linkedin.com/company/work-in-fintech-global/Twitter: https://twitter.com/WorkinFintechYoutube: https://www.youtube.com/channel/UCdS4bYoCXaHVgfVm6syUrDwNFT newsletter: https://futureloop.com/thefutureofnfts

Stanfield Gray is the CEO of Dig South: The South's Tech Hub and DIG SOUTH Tech Summit, the first and foremost event dedicated to growing the South's tech economy, held April 26-27 in Charleston, SC. Visit digsummit.com for details.Stanfield joins Work in Fintech co-founder Ying Cao to talk about: What is the metaverse, exactly? The future of storytelling in the MetaverseThe importance of community building Embracing the beginners mindsetHighlights: 2:58 What is the metaverse? 7:40 How are you approaching storytelling in the metaverse?10:10 What are some projects you are embarking on? 14:00 Biggest challenges facing entrepreneurs 18:50 How does mindset come into play as innovators embark on their journey?20:00 What's next for you?Check out our website: https://workinfintech.com/ and subscribe to our mailing list to hear more about opportunities in fintech and web3Follow our socials:Linkedin: https://www.linkedin.com/company/work-in-fintech-global/Twitter: https://twitter.com/WorkinFintech Youtube: https://www.youtube.com/channel/UCdS4bYoCXaHVgfVm6syUrDwCheck out our new NFT newsletter: https://futureloop.com/thefutureofnftsCheck out our website: https://workinfintech.com/ and subscribe to our mailing list to hear more about opportunities in fintech and web3Follow our socials: Linkedin: https://www.linkedin.com/company/work-in-fintech-global/Twitter: https://twitter.com/WorkinFintechYoutube: https://www.youtube.com/channel/UCdS4bYoCXaHVgfVm6syUrDwNFT newsletter: https://futureloop.com/thefutureofnfts

Vassilis Tziokas, the Global Lead for Web3 Business Development and Strategy at Microsoft joins Work in Fintech co-founder Matthew Cheung to talk about:-Opportunities in web3 for sales and marketing-GTM and sales enablement-Generative AI and how ChatGPT can enhance work-Insights for people looking to get into the industryHighlights:7:23 Getting ahead in web3 as a non-coder11:15 What is the web3 on-ramp for enterprise companies (tokenisation, NFTs, data and analytics)16:26 Web 2.5, the bridge18:33 Vassilis talks about sales and marketing and what is GTM and sales enablement20:52 How to build a solid foundation in your career before moving into GTM25:34 How can generative AI, like ChatGPT and DALL-E 2, help sales and marketing31:32 Insights and advice for people who want to get into web3Vassilis LinkedIn: https://www.linkedin.com/in/vasileiostziokas/Vassilis Twitter: https://twitter.com/TziokasVCheck out our website: https://workinfintech.com/ and subscribe to our mailing list to hear more about opportunities in fintech and web3Follow our socials:  Linkedin: https://www.linkedin.com/company/work-in-fintech-global/Twitter:  https://twitter.com/WorkinFintechYoutube: https://www.youtube.com/channel/UCdS4bYoCXaHVgfVm6syUrDwCheck out our new NFT newsletter: https://futureloop.com/thefutureofnfts

Does financial regulation always play catch up to the fast moving world of fintech and web3? Does regulation hinder or help cultivate innovation?Dr Iwa Salami, Reader in Financial Law and Regulation, co-director at the Centre of Fintech at the Royal Docks School of Business and Law at University of East London joins Work in Fintech to discuss these topics as well as talk about her career and the state of financial regulation in fintech and web3. Iwa's research areas include:Mobile payments, crowd-funding;Crypto-assets, stablecoins, decentralised finance (DeFi), Non-fungible tokens (NFTs), the metaverse, Central Bank Digital Currencies (CBDCs)Dr Salami is keen to supervise potential PhD students interested in researching any of the areas listed above or other related aspects of fintech regulation.Learn more about the Centre of Fintech and their BSc, MSc and MBA courses on fintech, blockchain and AI here https://www.uel.ac.uk/our-research/research-royal-docks-school-business-law-rdsbl/centre-fintechCheck out our website: https://workinfintech.com/ and subscribe to our mailing list to hear more about opportunities in fintech and web3Follow our socials:  Linkedin: https://www.linkedin.com/company/work-in-fintech-global/Twitter:  https://twitter.com/WorkinFintechYoutube: https://www.youtube.com/channel/UCdS4bYoCXaHVgfVm6syUrDwCheck out our new NFT newsletter: https://futureloop.com/thefutureofnfts

Robby Young is CEO of Animoca Brands, a $6bln blockchain gaming company and one of the most prolific investors in web3 on the planet.Robby talks about:0:46 - His journey to being CEO of Animoca7:23 - Why luck played a part in Animoca's pivot into blockchain games from mobile games14:08 - Why gaming is an on-ramp into blockchain and the metaverse15:42 - What is the metaverse and how does web3 and NFTs intersect with the metaverse18:23 - What drives Animoca Brands web3 investment strategy23:16 - What are the biggest opportunities in web3 and the metaverse26:09 - What skillsets and mindsets should people wanting to get into web3 strive towards32:43 - Advice for anyone starting their careerRobby is interviewed by Matt Cheung (@matthew_cheung_) co-founder of Work in Fintech and Benyamin Ahmed (@obiwanbenoni), chief evangelist of Work in Fintech, creator of Weird Whales and 13 year old NFT prodigy.Watch the interview on Youtube here https://youtu.be/QoZd-pu-IocCheck out our website: https://workinfintech.com/ and subscribe to our mailing list to hear more about opportunities in fintech and web3Follow our socials:  Linkedin: https://www.linkedin.com/company/work-in-fintech-global/Twitter:  https://twitter.com/WorkinFintechYoutube: https://www.youtube.com/channel/UCdS4bYoCXaHVgfVm6syUrDw Check out our new NFT newsletter: https://futureloop.com/thefutureofnfts

William Entriken is the lead author of ERC-721, the document that started NFTs as we know them, and changed the digital world. ERC-721 was made famous by CryptoKitties and it is the non-fungible token (“NFT”) standard that powers other blockchain platforms such as Decentraland and OpenSea. William is a blockchain developer who continually contributes to the Ethereum open source project. William's main focuses are on language design and interoperability and his other interests include corporate development and security research.Check out our website: https://workinfintech.com/ and subscribe to our mailing list to hear more about opportunities in fintech and web3Follow our socials:  Linkedin: https://www.linkedin.com/company/work-in-fintech-global/Twitter:  https://twitter.com/WorkinFintechYoutube: https://www.youtube.com/channel/UCdS4bYoCXaHVgfVm6syUrDw

Felicia Meyerowitz Singh is a serial entrepreneur passionate about fintech, wealthtech, innovation and digital change. Her achievements include:- Founder and CEO of Akoni Hub, a UK wealthtech platform, where she recently exited- Co-founder of Hive Founders, a global network of female entrepreneurs, supporting founders at any stage - Managing Director of strategic relationships at leading wealthtech firm FNZ- Fintech mentor for the UK Department of International Trade- MBA from London Business SchoolShe talks about:- How entrepreneurs need grit, determination and perseverance- How to use talent, energy and experience to build high growth companies- Having a bias for action by spotting gaps in the market and solving for themFelicia is a true fintech warrior.Check out our website: https://workinfintech.com/ and subscribe to our mailing list to hear more about opportunities in fintech and web3Follow our socials:  Linkedin: https://www.linkedin.com/company/work-in-fintech-global/Twitter:  https://twitter.com/WorkinFintechYoutube: https://www.youtube.com/channel/UCdS4bYoCXaHVgfVm6syUrDw 

Doug Thompson has been working in and around the metaverse for the last 15 years.Doug is a serial entrepreneur running a metaverse strategy agency, co-founder of a NFT project called Echocore and is involved in DAOs such as the Open Meta DAO.He is a digital nomad and a true expert in all things related to the metaverse. His newsletter Out of Scope is a must read.Hear Doug's thoughts on:- How gaming is the onramp to the metaverse- What is the definition of The Metaverse- How big is the metaverse opportunity- What and where are the metaverse jobs- DAOs and NFTs- How to get started in the metaverse Join our exclusive waitlist:  https://workinfintech.com/wait-list  Check out our website: https://workinfintech.com/Follow our socials:  Linkedin: https://www.linkedin.com/company/work-in-fintech-global/Twitter:  https://twitter.com/WorkinFintechYoutube: https://www.youtube.com/channel/UCdS4bYoCXaHVgfVm6syUrDw/playlists

Elena Armijo joins Work in Fintech to discuss her career, DEI initiatives and sense of belonging within organisations.Elena has been in coaching for 8 years now. Previously, she was a professional opera singer and she has recently launched a new platform called C-Suite Collective which encourages DEI initiatives and helps companies create culture from the inside out.Hear Elena's thoughts on:- The value of diversity and inclusion- The C-Suite Collective platform- Are DEI initiatives worth it?- Challenges in implementing DEI initiatives - Best practices within DEI- What is your definition of belonging- Future of C-Suite CollectiveJoin our exclusive waitlist:  https://workinfintech.com/wait-list  Check out our website: https://workinfintech.com/Follow our socials:  Linkedin: https://www.linkedin.com/company/work-in-fintech-global/Twitter:  https://twitter.com/WorkinFintechYoutube: https://www.youtube.com/channel/UCdS4bYoCXaHVgfVm6syUrDw/playlists

Joy Macknight is first woman to lead The Banker, a Financial Times publication, in its 95-year history. She is uniquely positioned with a front-row seat of banking, technology and fintech by interviewing CEOs, CFOs and founders about the transformative change and disruption brought on by innovations in fintech and a fundamental generational shift in preferences for managing money.Hear her perspective on fintech based on 6 years of interviews from the hugely successful TechTalk series where she has met most of the world's fintech leaders. Joy also talks about diversity and inclusion in finance and fintech, how the fintech opportunity has evolved and what young people should do to start a career in fintech. She joined The Banker in August 2015 as transaction banking and technology editor, which still remain her passion. She was previously Features Editor at Profit & Loss, an FX and derivatives publication and events company. Before that Joy was editorial director of Treasury Today following a period as editor of gtnews.com.  She has also worked on Banking Technology, Computer Weekly, and IBM Computer Today. Joy holds a BSc from the University of Victoria, Canada.Joy is interviewed by Work in Fintech co-founder Matt Cheung and Work in Fintech member Yasmine Karimi.Join our exclusive waitlist:  https://workinfintech.com/wait-list  Check out our website: https://workinfintech.com/Follow our socials:  Linkedin: https://www.linkedin.com/company/work-in-fintech-global/Twitter:  https://twitter.com/WorkinFintechYoutube: https://www.youtube.com/channel/UCdS4bYoCXaHVgfVm6syUrDw/playlists Chapters:0:34Joy Macknight and The Banker introduction3:40What is your definition of fintech7:42How fintech and the ecosystem has evolved over the last six years9:21How the fintech opportunity has grown from London and beyond11:52Why is DeFi, crypto and web3 important14:55Should traditional finance be afraid of DeFi23:05Diversity and inclusion in finance and fintech

Simon Vans-Colina has been at the forefront of fintech for over 20 years. He started coding at 11, he found working at a bank boring , he was on the founding team of Monzo (the UK neobank unicorn), he is CTO and co-founder of Fronted, Founder of TreeDAO and is now moving to Singapore to join BigPay. He loves defi and web3.Hear Simons thoughts on:- Startups and why you need to be a generalist- How the lines of fintech are blurring- The massive opportunity in fintech, web3 and the metaverse- DAOs and NFTs- How to pick your 'elevator' - What skills you should acquire to stand out  Join our exclusive waitlist:  https://workinfintech.com/wait-list  Check out our website: https://workinfintech.com/Follow our socials:  Linkedin: https://www.linkedin.com/company/work-in-fintech-global/Twitter:  https://twitter.com/WorkinFintechYoutube: https://www.youtube.com/channel/UCdS4bYoCXaHVgfVm6syUrDw/playlists

Sebastian Widmann, Head of Strategy at Komainu, joins Work in Fintech to discuss how finding a good mentor and manager will help careers, how passion for a subject (blockchain ) gave him an edge and offers graduates some great advice from moving from intern to head of strategy in the space of a few years.With a multi-disciplinary background spanning many languages, banking and blockchain Sebastian was the first hire in the digital assets team at Nomura, the leading Japanese investment bank. He's knowledge and passion for blockchain helped him to rapidly rise to head of strategy at Komainu, a crypto custodian backed by Nomura, Ledger and CoinShares.Sebastian's insightful lessons are essential for all young people looking to make an impact in their career in fintech and web3.https://www.linkedin.com/in/sebastianwidmann/Join our exclusive waitlist:  https://workinfintech.com/wait-list  Check out our website: https://workinfintech.com/Follow our socials:  Linkedin: https://www.linkedin.com/company/work-in-fintech-global/Twitter:  https://twitter.com/WorkinFintechYoutube: https://www.youtube.com/channel/UCdS4bYoCXaHVgfVm6syUrDw/playlists

A new initiative between Goldman Sachs and Warwick University promotes equal access to opportunity and social mobility through a new Masters Degree Apprenticeship.Ayaz Haji, Global Head of Data Products for Core Engineering at Goldman Sachs, is active in championing D&I programmes for GS. In his role, he noticed a skills gap in under-represented students, leading him to initiate the idea of a GS sponsored degree apprenticeship with University of Warwick. Ayaz, Managing Director at GS, thinks that the "Master's apprenticeship is the best of both worlds combining computer science and data with on-the-job learning, essentially creating a leadership acceleration programme". Ayaz is joined by Stuart Croft, Vice-Chancellor and President at Warwick University, who have worked together to create a tech focussed degree apprenticeship to promote social mobility. Sir Peter Estlin, Chair of the Association of Apprenticeships and previously City of London Lord Mayor in 2018/19 also joins the conversation as a champion of both digital skills and D&I, and promoting the apprenticeship journey.  Previously he was CFO at Citi, Barclays, Salomons and a partner at PWC. Work in Fintech co-founder Matt Cheung hosts the podcasts which touches upon a variety of topics, ranging from the impact of degree apprenticeships to the future of learning. The group talk about how partnership programs, such as the collaboration between University of Warwick and Goldman Sachs, can create an equity of opportunity, challenging the traditional route of attaining a degree and fostering inclusivity. Join our exclusive waitlist:  https://workinfintech.com/wait-list  Check out our website: https://workinfintech.com/Follow our socials:  Linkedin: https://www.linkedin.com/company/work-in-fintech-global/Twitter:  https://twitter.com/WorkinFintechYoutube: Work in Fintech

In this episode of our interview series, Ying Cao is joined by Basil Moftah, general partner of Global Ventures and founder member of Reuters Venture Capital group. At Reuters Venture Capital group, he invested in leading global companies such as Yahoo!, Verisign, and Webex. His strategic acquisitions and management of emerging markets for Reuters allowed him to seamlessly grow the $600 million business. He then went on as the President of Intellectual Property and Science business at Thomson Reuters where he contributed to the overall direction of the company, developed the strategic proposition of the $1 billion revenue business, and prepared the division for sale to private equity for $3.55 billion in 2016.  Basil is now an advisor, investor, and board member at numerous global technology companies. In this conversation, we cover topics such as what opportunities Basil sees in the world of FinTech, qualities he looks for in founders and their startups, how he entered the field of venture capitalism, and what he values in terms of the work he does. Whether you plan on pursuing a career in venture capitalism, working toward obtaining funding for your startup, or even getting started on your career path in general, Basil has valuable insight to share.Join our exclusive waitlist:  https://workinfintech.com/wait-list  Check out our website: https://workinfintech.com/Follow our socials:  Linkedin: https://www.linkedin.com/company/work-in-fintech-global/Twitter:  https://twitter.com/WorkinFintechYoutube: Work in Fintech

Michelle Tran, cofounder of NYC Fintech Women, joins Ying Cao to discuss how she pivoted from her traditional finance background to establishing her brand in the fintech space. Michelle started her career at Blackrock in the ETF businesses before recognizing the bigger opportunity of fintech and joining startups. In the podcast, she talks about what fueled her desire to take an active role in innovative technologies for asset management or investment and ultimately, how this fueled her transition to startups. As the cofounder of a community, she is passionate about raising the visibility and empowering of women in the fintech industry. In this exclusive interview, we touch upon a variety of topics, ranging from navigating the transition from corporate to a startup, the importance of gender diversity, and emerging trends in wealthtech. Michelle also shares best practices and advice on how college graduates and aspiring fintech professionals can advocate for themselves in a rapidly changing field. Join our exclusive waitlist:  https://workinfintech.com/wait-list  Check out our website: https://workinfintech.com/Follow our socials:  Linkedin: https://www.linkedin.com/company/work-in-fintech-global/Twitter:  https://twitter.com/WorkinFintechYoutube: Work in Fintech

Anusha Dandapani, Chief Data & Analytics Officer of UNICC joins Ying Cao to discuss her exciting career journey and how she has navigated herself toward her passions.Anusha Dandapani has had a long career in data science inspired by her passion to use it to solve real-world problems. She was the Data Science lead at Barclays where she led several strategic initiatives related to electronic surveillance and financial crime compliance. She is currently the Chief Data & Analytics Officer at United Nations International Computing Centre where she advises and partners with other UN organizations, Industry, and Academia on solving business problems by leveraging Artificial Intelligence, Machine Learning, Data Analytics, Data Engineering, and Data Science offerings and capabilities. She's passionate about educating young students and recently led an ideation workshop for students to apply data science to tackle food waste in schools.In this exclusive interview, Anusha imparts upon us the wisdom she's gained throughout her career path, from starting off as a software programmer and working in the financial services industry, to immersing herself in a career of data science and scaling her skills and experiences to work on initiatives involving using data science to solve real-world problems. She shares with us what mindset we should embrace, whether we're starting out or in the middle of our careers, to successfully pursue our passions and challenge ourselves. 

Global Head of Institutional Account Management at Coinbase, Sashi Dias Valtz, joins Ying Cao to discuss her career journey from working at an investment bank to her current position at Coinbase and give advice on how others can pursue their passion in this field or any field in general. Sashi Dias Valtz has always had many passions starting from an early age, but an interest in entrepreneurship and financial services led her to seek experiences and eventually work at investment banks. Her desire to continue to pursue her passions and explore new challenges led her to get involved in the new FinTech emergence and take on new risks at FinTech companies including Symphony and Coinbase. In this interview, Sashi goes over the motivation behind her career moves, shares her perspective on the development of digital assets, provides insight on qualities she would want in her teammates at Coinbase, and inspires those who want to pivot their career or are in the process of starting their careers to pursue their curiosities and leverage their network. 

Anand Sambasivan, founder and CEO  of PrimaryBid, joins Matthew Cheung and Josh Lavorini to discuss his experiences in the world of Fintech and the challenges faced by entrepreneurs. PrimaryBid is a technology platform that allows everyday investors fair & equal access to investing in public companies raising capital. They have worked with the likes of Aston Martin, Ocado and William Hill and have raised more than $1bn via their platform. Anand started his career in Investment Banking before setting up his own hedge fund, which he ran for eight years. The seeds of what would become PrimaryBid gradually grew as his career progressed and he decided to take the leap and innovate in the Capital Markets space in 2012. Key topics include navigating the regulatory environment, the importance of having a workforce from diverse backgrounds, the challenges of maintaining a strong culture within a company that is experiencing exponential growth, and key skills for thriving in Fintech in the future.  To keep up to date with insights from other industry leaders, follow us on Twitter and LinkedIn. 

Brad Levy,  Symphony CEO, former CEO of IHSMarkit and ex-MD at Goldman, shares his thoughts on  everything from the future of artificial intelligence to finding purpose and much, much more!Brad began his career working at Lehman Brothers and Goldman Sachs before venturing into Fintech through a Partner role at IHS Markit, multiple Chairman roles at the likes of FINOS and now CEO of Symphony.  Brad's role as a sector pioneer and thought leader within the space of finance and technology are testament to his drive, pursuit and openness for learning, a fantastic lesson for all ambitious individuals!In this episode, Brad is joined by Work in Fintech co-founders Matthew Cheung and Ying Cao to explain the evolution of technology, investing in the future and what makes a successful professional.

Technology Futurist, Theo Priestley joins Matthew Cheung and Benjamin Ahmed to discuss the future of the world!Theo Priestley has worked within the technology industry for up to 20 years in both the client facing side and the vendor side. During his time in the industry, Theo study various trends that occurred, leading him to write "The Future Starts Now", which encapsulates all these trends.In this exclusive interview, Theo breaks down what the Metaverse is and how students can take advantage of future trends in technology.

Sharon Thorne, Global Chair of Deloitte,  joins Matthew Cheung and Josh Lavorini to discuss her experiences breaking glass ceilings in the business world.Sharon is the first-ever female to hold the role as Deloitte's Global Chair and was also the first-ever female partner in the Manchester office, the first of two women on the UK board in 2004, the first female on the UK executive in 2006 and the first female leader of the regional executive. In 2019, she was appointed as Global Chair.  She is an inspiration to women and girls across the world and an advocate for diversity and inclusion in the workplace. In this exclusive interview, we touch on a range of topics, including how Deloitte and broader society is helping to reduce the challenges faced by marginalised groups in society, how they are adapting to the fourth industrial revolution with the new technologies and societal changes that come with it, and careers in ESG, audit and advisory.These issues affect all of us and are of paramount importance in today's world, so make sure to give the interview a listen and learn from the insights of one of the industry's most impressive leaders. 

Kene Ejikeme, ex-Professional Rugby Player and Goldman Sachs Managing Director, Head of Multi Asset Platform Sales EMEA,  shares his thoughts on everything from finding your career, why athletes are a good fit in finance, the importance of diversity and much more!Kene's story is a fantastic insight into pursuing your passions and taking risks. Kene initially grew up with  aspirations of entering a career in civil engineering before finding motivation for the sport of Rugby and finally finding his feet in Sales & Trading at Goldman Sachs. His ambitions to pivot into new areas provided a catalyst of learning and development, aspects that Kene notes as contributive to his career at Goldman Sachs.In this episode, Kene is joined by Work in Fintech co-founder Matthew Cheung and founding member Amrit Khatkar to explain how to land a role of Goldman Sachs, why Fintech is the future and the differences between Rugby and Sales & Trading.

Hossein Azari, CEO and Founder of Cmorq, is a former Chief Data Scientist at Goldman Sachs and Senior Data Scientist at Google. He successfully co-founded his own company called Clarity Money, a personal finance app for consumers, which was eventually bought out by Goldman Sachs for $100m. Hossein's impressive CV also includes being a Teaching Fellow and Research Assistant at Harvard University on route to completing a PhD in Computer Science, along with an MBA from Columbia Business School later on. The list continues as Hossein has 12 publications, 1 patent, and Fellowship awards from Harvard and Stanford University.But he's not finished there! He's now turned his attentions to consumer banking again, and specifically decentralised finance. Cmorq is a consumer banking platform centred around the principles of DeFi. In this episode, Hossein joined Work in Fintech founder Matthew Cheung and founding member Jagraj Singh to explain the buzz around DeFi, and where it's headed in the future.

Jess Houlgrave, Chief of Staff at Checkout.com joins Matt Cheung and Helene Lipp in this episode to talk about the year of NFTs, blockchain, payments, valuable skills to succeed, stereotypes and women in tech.  One of the key messages are to be brave, seek out challenges, stay curious and be willing to learn across everything you do.Chief of Staff at Checkout.com, a global fintech company with over 1,400 employees and 19 offices around the world, Jess works with some of the world's most innovative companies and established global brands to simplify financial complexities, drive innovation and unlock growth by providing solutions to complex digital payment problems.She has a multidisciplinary background across finance, private equity and blockchain technology, a MA in Economics and Management from the University of Oxford and an MA in Art Business from Sotheby's Institute of Art.Furthermore she is a member of the Bank of England CBDC Engagement Forum and founder and trustee of the Foundation for Art and Blockchain. 

Pavir Patel, Head of Strategy and Business Development at Bitpanda Pro, and former Digital Strategy and Fintech VP at JP Morgan, shares his experiences of the traditional finance world compared to fintech. Starting off as a graduate at JP Morgan, Pavir undertook rotations in EM Markets Hybrids Trade Support and Rates Derivatives Sales Support, followed by becoming Lead Product Manager for Digital Research, Product Manager for Data and Analytics. In the past few years, he helped set-up the Hong Kong Digital Strategy & Fintech team, before moving onto Bitpanda Pro in mid-2021. In this episode, Pavir joined Work in Fintech founder Matthew Cheung and founding member Jagraj Singh to explain why he left traditional finance for fintech, and highlight the growing demand of NFTs and digital assets.

Dmitry Buterin, serial entrepreneur, blockchain mentor, investor and father of Vitalik Buterin (co-founder of Ethereum),  shares his insights on everything from following your passions to dropping out of university, the blockchain and NFTs.From humble beginnings, Dmitry grew up in the Soviet Union and quickly found his passion with technology. At the age of 25, Dmitry created his first start-up and has continued to innovate within both the software development and blockchain space ever since, a creative and entrepreneurial streak that has been passed down to his son, Vitalik.In this episode, Dmitry is joined by Work in Fintech co-founder Matthew Cheung and founding member Benyamin Ahmed to explain what success means to him, the future of the metaverse and the importance of curiosity.

Alastair Clarke, Senior Equity Trader at Capital Group and FinTech Intrapreneur, joins Matthew Cheung and Josh Lavorini to discuss what makes a good trader, the future of careers in FinTech and the uncertainty that he faced upon graduating and going out into the world of work.Alastair began his career on the sell-side, working in corporate finance and research before finding his niche in Sales and Trading. He worked at ABN AMRO and then JP Morgan on equities desks before moving to the buy-side at Capital Group, one of the biggest asset managers in the world with over $2 trillion USD under management. Alongside his responsibilities as a senior equity trader, Alastair is also the project lead for Capital Group's trading and analytics platform for execution (TAPE), an innovative new platform that helps the firm's traders worldwide to further explore investment decisions and streamline their decision-making processes. With very limited coding skills and some interest in technology, he describes the learning curve that he has experienced whilst working on TAPE and the importance of clear communication between project leaders and developers. He touches on the necessary skills for working in FinTech and finance more broadly, with a particular focus on advice for young people and generalists. With a wealth of wisdom under his belt as a result of an impressive and varied career, Alastair's insights and perspectives are of great value to anyone interested in FinTech and innovation. 

Alex Struc, Founder and CEO of GoalsFirst and former Head of ESG Portfolio Management at PIMCO, gives an introduction to impact investing, where Fixed Income is going with technology, and how students can begin their career in markets. Alex is the founder and CEO of GoalsFirst – a specialist fixed income firm with a disruptive investment approach and the vision of mobilizing finance for change.  He is a fixed income investor and a portfolio manager with deep credit expertise.  For nearly 15 years he managed PIMCO's leveraged loans, corporate debt and the firmwide exposure to financials, including the world largest capital securities fund, making the FN's 40 under 40 asset managers list in 2014.  Alex is also known as an innovator in impact investing – he led the industry-wide efforts on engagement as the Chair of the inaugural PRI Bondholder Engagement Committee in 2017. Having founded and led PIMCO's first dedicated ESG investment platform, he originated large and liquid bonds linked to the Sustainable Development Goals. Today Alex joined Work in Fintech founder Matthew Cheung and founder member Ben Ford to help unravel impact investing and how young professionals can make their mark on the industry. 

In an exclusive interview held with Benyamin Ahmed and his father Imran Ahmed, we learn how 12 years old Benyamin first got into NFTs, what inspired him to create the Weird Whales collection which led him to amassing a small fortune of $450k just in a few weeks, and his journey to becoming an "overnight success".Benyamin explains how to create coding superpowers that will enable you to do great things in crypto and the metaverse and also shares his ideas for future billion dollar opportunities in the digital world. Imran Ahmed, Benyamin's father, talks about how he encouraged curiosity, creativeness and entrepreneurship with his sons, and how he feels about the journey they have been on. In this episode, the pair joined Work in Fintech founder Matthew Cheung and founder member Jagraj Singh to discuss the growing fascination with NFTs, explain what they are, along with their potential purpose and use cases.For more check out www.workinfintech.com and sign up to the mailing list!0:00 Current Feelings0:41 Creating Wealth with Weird Whales1:19 The Journey to Achieving the Wealth4:36 The Success of Weird Whales5:16 Benyamin being Bankless5:32 Imran's Feelings about the Success8:37 Routines and Habits10:30 Benyamin's Interest in Coding11:28 What is an NFT and why are they valuable?13:52 Clunky Experiences with NFTs18:35 Benyamin's Future Plans20:11 The World in 10/20 Years Time23:15 Going to University26:29 Advice for Fellow Young People29:00 What have you both learned over the summer?

Toby Babb, Founder and CEO of Harrington Starr, shares what you need to know for an interview how students can beat the tough competition to landing your dream job in Fintech.Toby is the founder and CEO of the Harrington Starr Group. Harrington Starr was launched in 2010 and focuses on the Financial Technology sector with offices in London and New York. The Group also owns The North Starr, a specialist Technology Sales talent acquisition business. He hosts the Fintech Focus podcast and Fintech Focus TV, edits the Financial Technologist Magazine and is the Chairman of the Fintech Influencers networking community.  He had been in the recruitment industry for 21 years having spent the first 10 in leadership roles for 2 listed recruitment groups. He has been named Agency Leader of the Year and the Entrepreneur of the Year by Recruiter Magazine.Toby Babb joins Work in Fintech Founder, Matthew Cheung, and Founder Member, Ben Ford, to help our listeners better understand the necessities for landing a role in any career, the 4 soft skills every recruiter looks for, and how students can come out of the pandemic with the job of their dreams!For more episodes like this please visit www.workinfintech.com and follow us on LinkedIn, Twitter, and Instagram.

Christian Frahm, Founder and CEO of United Fintech, joins Matt Cheung and Helene Lipp to discuss his entrepreneurial career path, having founded e.g. CFH Group in 2007 and United Fintech in 2020. Christian Frahm started off his career at Bloomberg and Saxo Bank before focusing on founding own businesses in the Fintech space. He set up CFH Group in 2008, exited for $120m to Playtech (a £1.35bln firm) in 2016. CFH has $20m revenue.His incredible and  career path is an inspiration for everyone who is interested in the startup space and how to learn important skills  which are needed for an entrepreneurial career. His career and captivating lessons are essential for all students, graduates or young professionals looking to get a foot into the startup environment, becoming a founder themselves or to develop an entrepreneurial mindset.

Ying Cao, Fintech Entrepreneur, Board Member of several prominent Fintechs, and Former Head of Digital Products at Barclays Investment Bank, shares her experiences of the Fintech ecosystem and how her perspective on the work-life balance has changed during her illustrious career.  Initially starting out as a Strategy Consultant at the Oliver Wyman Group advising Fortune 500 companies, Ying helped launch several key business models and products. After OWG, Ying's work led her to Barclays Investment Bank, working on digital products, workflow automations and data science. Being an entrepreneur herself, she has built businesses and products which attract hundreds of millions of funding and now serves as a mentor and business ambassador for Barclays Open Innovation Platform (Rise) to coach Fintech companies for business growth and product development. She has also set up her own business called Liyt Coaching, which focuses on mentoring individuals to accelerate their growth and development. In this episode, Ying joins Work in Fintech founder Matthew Cheung and founder member Jagraj Singh to discuss emerging Fintech technologies, motivation for work, and how students/graduates can get into and make their mark on the industry.For more episodes like this please visit www.workinfintech.com and follow us on LinkedIn, Twitter, and Instagram.

Andy Mosson, Director at JP Morgan joins Matt Cheung and Helene Lipp to discuss his uncommon career path which ultimately led to finance and trading technology, the experiences he made and how students can impress in the finance industry. He explains how important it is to be resilient and not being scared of failing. Furthermore he emphasises the significance of networking properly.Andy Mosson was Lieutenant at the Royal Air Force for a few years, he studied Physiology and Marketing before doing an MBA in Strategy & Finance. After that, he moved onto a sales desk and ultimately into trading technology at JP Morgan.His incredible and uncommon career path is an inspiration for everyone who is interested in learning new skills and trying different things out. His career and captivating lessons are essential for all students, graduates or young professionals looking to make progress in their career.For more episodes like this please visit www.workinfintech.com and follow us on LinkedIn, Twitter, and Instagram.

The Lord Mayor William Russell,  joins to discuss;  his vision for the City of London,  London being the next Silicon Valley, the importance of returning to the office and why Green Finance might be a once in a generation opportunity.Being the first Lord Mayor in nearly 200 years to have 2 consecutive years in office and with over 30 years of experience across Investment Banking and multinational institutions, the Lord Mayor is well equipped to provide insight and advice into the future of finance and the next generation of opportunities for young professionals.In this episode, Lord Mayor William Russell joins Work in Fintech founder Matthew Cheung and founder member Amrit Khatkar to discuss the future of finance, how to make an impact in your career and what makes London so special as well as many more topics.For more episodes like this please visit www.workinfintech.com and follow us on LinkedIn, Twitter, and Instagram.

Mark Martin, founder of Urban Teacher & UKBlackTech shares why he feels diversity is important in the technology industry, his journey from being a teacher to being a founder of two companies as well as how he is equipping the next generation with technology skills.Mark works with industry, including Google, Microsoft, Apple and Adobe, and the education sector, including the University of Hertfordshire and South Bank Engineering UTC.Mark started off as a teacher, teaching young children how to use desktop skills. After realising that there was a disconnect between what was being taught and what the industry wanted, Mark went out to invite tech start-ups into schools to try and bridge this gap.In this episode, Mark Martin joins Work in Fintech founder Matthew Cheung and founder member Daniel Taiwo to unpack the important skills needed to break into the technology industry as well as many more topics.For more episodes like this please visit www.workinfintech.com and follow us on LinkedIn, Twitter, and Instagram.(1:08) - Mark Martin's Journey (4:16) - Why Mark founded UK Black Tech (6:14) - Why diversity is important in the technology industry (8:14) - What needs to be done to drive diversity within the UK (10:27) - Tech skills being taught within schools (13:01) - How COVID has affected teaching (15:33) - Future of Edtech (17:20) - How students/employees can deal with sitting in front of the screen for long periods of time(19:16) - Convincing a student without a technology background to take up computer science (21:44) - How Mark Martin developed relationships with big companies (24:22) - Important skills needed to break into technology 

In today's episode, we were joined by serial FinTech Entrepreneur, Max Rofagha. Before starting up Finimize, Max founded DeinDeal.ch, which became the biggest e-commerce platform in Switzerland after Amazon. After selling DeinDeal.ch to one of the biggest Media players in Europe, Max went on to start Finimize in 2016. In today's episode, Max explains to us how he grew Finimize to become one of the largest Fintech's in Europe. Max also shares some tips on what graduates can do to maximise their chances of working in fintech. For more episodes like this please visit www.workinfintech.com and follow us on LinkedIn, Twitter & Instagram. (00:33) - Max' journey before he founded Finimize (2:52) - The influences that turned Max into a serial entrepreneur (4:17) - What Finimize is and how it started(7:06) - How Finimize built a community of over 1 million people (11:04) - How Finimize maintain a high quality with their newsletter (13:33) - The real story behind being an entrepreneur (19:51) - How Finimize convince their analyst to leave big banks to join a Fintech (21:23) - Where Max sees Fintech going in the next 5 years (23:17) - Important skills needed to succeed in Fintech(26:00) - Tips for new investors (28:00) - How young graduates can have a successful career 

Dean Berry, Group Head of Trading and Banking Solutions at the London Stock Exchange Group joins to discuss; career reflections in Trading, Broking and Fintech as well as advice on the importance of resilience, following your passion and how students can take advantage of opportunities in financial markets.Dean's pursuit to learn and enthusiasm in the face of challenges along his journey, created opportunities to work across leading finance market institutions such as ANZ, Deutsche Bank, ICAP, BGC as well as the London Stock Exchange Group (Refinitiv). Transitioning from 16 years as a derivatives trader to electronic trading in Broking and finally Head of Trading and Banking Solutions, Dean's incredible career and insightful lessons are essential for all individuals looking to make an impact in their career.For more episodes like this please visit www.workinfintech.com and follow us on LinkedIn, Twitter, and Instagram.

Andrew Davis, Partner at Goodwin Procter and Oxford University Alumni, shares his thoughts on the future of fintech and gives invaluable career advice for any aspiring law graduate.The former Magic Circle graduate started his career at Allen & Overy, before departing for Taylor Wessing. Within just 14 years of graduating from Oxford University, with a degree in Law, Andrew made Partner at Taylor Wessing and spent 7 years in his position before joining Goodwin Procter as a Partner, advising in their Technology and Life Sciences practices.Andrew Davis joins Work in Fintech founder Matthew Cheung and founder member Ben Ford to help our listeners better understand the future of fintech, investment trends in the industry, and how law students can get themselves a seat in the Magic Circle.For more episodes like this please visit www.workinfintech.com and follow us on LinkedIn, Twitter, and Instagram.

Before joining Symphony, Craig Butterworth amassed over 15 years worth of experience within Fixed Income Sales at prestigious banks such as Goldman Sachs & Nomura. It was within his time at Nomura where Craig's fascination within Fintech began.Craig Butterworth is now the Global Head of Sales and Account Management at Symphony. Craig Butterworth is yet another interviewee who has demonstrated that coding skills are not necessary to become a success within Fintech.Craig Butterworth joins Work in Fintech founder Matt Cheung and founder member Daniel Taiwo as they discuss Craig's career as well as important topics within Fintech.For more episodes like this please visit www.workinfintech.com and follow us on LinkedIn, Twitter, and Instagram.(00:36) - How Craig broke into the financial world (4:52) - Why Craig left mainstream finance to join a Fintech (7:58) - Craig's definition of Fintech(10:31) - What Symphony do (14:06) - How Symphony attracts high level clients (15:10) - How COVID has impacted Symphony(19:38) - Where Craig sees Fintech going in the next 3-5 years(21:35) - What top skills students need to break into Fintech (23:54) - How to build curiosity to work in Fintech (26:20) - What advice would Craig give to his younger self 

Over the past 14 years, Chris Scott, Senior Manager at TP ICAP gained various valuable experiences in product management of equities, derivatives and trading systems. Throughout this period he has played a leading part of the electronification of financial markets and fintech.In this episode Chris Scott joins Matt Cheung and Helene Lipp as he shares his experience of starting off as a credit and fixed income broker at ICAP, moving into a front office business analyst role and finally moving into product management. He gives valuable advice for graduates in developing the right hard and soft skills for getting a job in managing products in Fintech organisations. He outlines the importance of patience and where most students fail in getting their dream job. Furthermore, he explains how his MBA at CASS Business School helped him to expand his skills and approach new challenges to pioneer in product management. For more episodes like this please visit www.workinfintech.com and follow us on LinkedIn, Twitter, and Instagram.00:30: What is product management? 02:51: Why embrace technology and automation? 04:24: How does technology affect brokers and trading in the next 5, 10, 20 years? 05:27: What excites you mostly about product management? 06:34: Was your career path planned? 08:34: How did you approach learning new skills in each different area? 09:46: Which hard skills and soft skills are valuable to succeed? 12:15: How important is curiosity and how can negotiation skills help to argue a good idea? 18:05: How have internal processes and the interaction with small startups changed? 21:04: Why did you decide to do a MBA? 26:08: Can you harness creativity? 27:18: What advice would you give a younger version of yourself? 29:29: Outro  

Nirvana Farhadi, global influencer and RegTech pioneer discusses the future of finance, sharing her thoughts on technology and its best attempt to disrupt regulation and finance.Nirvana started her career on the trading floor, after graduating with a degree in Law. She quickly rose to strength realising her ability to spot where financial companies are exposed to compliance issues!  Nirvana emerged as a global influence in RegTech, heading Regulatory Transaction Reporting at KPMG UK before becoming Global Head of RegTech, Risk & Regulatory Compliance Affairs at Hitachi Vantara.Aside from full-time work, Nirvana has had a continued influence on the sector becoming a MIT Technology Review Global Panellist, and Non-Executive Board Member for 5 modern regulatory companies.Nirvana Farhadi joins Work in Fintech founder Matthew Cheung and founder member Ben Ford to elaborate on the evolving force of regulatory technology, explaining how law, finance, and technology students can dominate a career in the sector.For more episodes like this please visit www.workinfintech.com and follow us on LinkedIn, Twitter, and Instagram.(00:34) - Who is Nirvana Farhadi(02:01) - What is Fintech?(04:37) - What are the main drivers of Regtech?(08:37) - Where are we on the road of automation?(11:17) - Is automation startup led or dominated by the bigger incumbents firms?(13:45) - What skills are needed to work in Regtech?(19:17) - How can I set myself up for an evolving job market?(22:35) - What opportunities are there in Regtech for someone in financial services?(28:05) - How does a student get into Regtech?

Before teaming up with founder of Work In Fintech, Matt Cheung at ipushpull, Neil Weatherall amassed 16 years worth of experience at prestigious banks such as NatWest Markets & RBC Capital Markets where he ran Inflation Trading. Throughout this period, Neil experienced how technology revolutionised the trading floor.Neil Weatherall is now Head of Technical Sales at ipushpull. Neil, alongside Matt is an example that you can forge a successful career within Fintech without having software skills such as coding.Neil Weatherall joins Work in Fintech founder Matt Cheung and founder member Daniel Taiwo as they discussed Neil's careers, important skills to break into Fintech and the future of Fintech. For more episodes like this please visit www.workinfintech.com and follow us on LinkedIn, Twitter, and Instagram.(00:53) - Introduction(1:20) - Getting into the Financial World(6:07) - Neil's advice to graduates who are joining the financial industry(11:08) - Neil's advice to graduates about building relationships in a WFH environment(15:52) - How technology impacted Neil's trading career(20:27) - Neil's definition of Fintech(23:33) - How Neil sees Fintech evolving in the next 3-5 years(27:22) - Neil's thoughts on VR solving the communication issue on the Trading Floor(28:43) - Skillsets needed to succeed in Fintech(33:09) - How Neil would go about his career in this environment if he was 21

James Tromans discovered coding from a young age then later studied psychology at Oxford. Learning a combination of qualitative, quantitative and analytical thinking helped set up James for a career spanning start-ups, financial markets and big tech as well as earning a PhD in Computational Neuroscience of Vision. Learn how having a technology background is not a prerequisite to work in fintech and discover how people skills, an entrepreneurial mindset, proactivity, passion and a thirst for knowledge will help you to accelerate your career.  James is now a Technical Director within the Office of the CTO at Google Cloud specialising in data engineering and machine learning. Prior to joining Google, James worked in capital markets at Citi in various front-office currency trading and technology leadership roles, most recently as Head of Data Science. Before Citi, James was a Fintech co-founder and started the first regulated (UKGC) business on a public cloud called Trade Chase. James Tromans joins Work in Fintech founder Matt Cheung and founder member Amrit Khatkar and they discuss the importance of fintech, cloud, data and machine learning while James offers lots of career advice to people who would like to work in fintech. For more episodes like this please visit www.workinfintech.com and follow us on LinkedIn, Twitter, and Instagram. (00:03) - Introduction(00:39) - What was it like having your own start-up?(03:17) - Why did you study Experiment Psychology at University?(05:11) - Within your degree what elements sort of helped you later on in life? (06:40) - Is a technology degree necessary to work in Investment Banking, Fintech & Big Tech?(08:15) - Why did you choose Investment Banking?(12:57) - How did you stand from the crowd in Investment Banking?(15:58) - What does AI and Machine Learning look like in Investment Banking?(18:41) - Is Fintech the future of finance?(21:20) - What does the Cloud do and why is it the future?(25:42) - How should a student learn Artificial Intelligence and Machine Learning?(28:19) - How should a student stand out from the crowd in Big Tech?(30:22) - Why move to Google and what is the culture like?(33:11) - What are the differences between Google and Investment Banking?(35:09) - What is your advice for your 18 year old self?

Lewis Tuff, VP of Engineering at Blockchain.com and a Business Insider ‘35 under 35' shares career advice, thoughts on crypto, blockchain and what has made him successful. The former UBS graduate and Goldman Sachs developer made his first move into fintech by being one of the first employees of fintech giant Revolut. There, Lewis pioneered the cryptocurrency feature in the payments app and scaled the team to 50+. He built the first of its kind crypto offering within a challenger bank over the course of a couple of months was responsible for bringing $300M+ trading revenue in due course. Now Lewis runs engineering at Blockchain.com, one of the most successful crypto wallets with 67 million users and counting.  In this episode, Lewis Tuff joins Work in Fintech founder Matthew Cheung and founder member Jagraj Singh to help unravel where cryptocurrency is headed, and how students/graduates can get into and make their mark on the industry.  For more episodes like this please visit www.workinfintech.com and follow us on LinkedIn, Twitter, and Instagram. (00:37) - How do you define Fintech and it's importance?(01:34) - What skills did you learn at UBS/Goldman Sachs that have helped shape your career the most?(03:15) - What prompted the decision to leave Goldman Sachs for Revolut?(07:20) - Are there any key differences you noticed between the working cultures at Revolut and Blockchain.com and the likes of Goldman Sachs and UBS?(11:09) - What advice would you give to students/graduates who want to get involved in the blockchain space?(13:27) - What 3 things on a CV/application/cover letter would you say help a graduate stand out from the competition when applying for a job?(16:58) - How do you see cryptocurrency evolving in the form of payments with the recent news that Tesla are now going to be accepting Bitcoin?(22:44) - How has your perspective on blockchain technology changed from when you first got introduced to it, and how do you see it developing in the future?(25:59) - How can blockchain technology be more widely adopted in the near future, and are there any certain industries that will benefit the most from the tech?(29.24) - How do you feel about regulation in the cryptocurrency space?(30:50) - What areas and opportunities do you see in the blockchain space in the next 3, 5, 10 years?(34:11) - What advice would you give to your younger self if you could?

Learn how Damian Sutcliffe went from developer to Partner and EMEA CIO at Goldman Sachs. Damian shares his thoughts on fintech, ideas for start-ups and advice to those looking to excel in their careers in fintech, data and financial markets. Damian started off life as a management consultant at Accenture and was seconded to Goldman Sachs. Damian liked Goldman so much that he moved to his former client, first, as a developer and then rose through the ranks across London, New York and Tokyo to become a Partner and managing thousands of people.  Now retired, Damian is a PhD student at Cambridge studying Computational Biology. He is also an advisor to McKinsey and start-ups including ipushpull. In this episode, Damian Sutcliffe joins Work in Fintech founder Matthew Cheung and founder member Jagraj Singh to learn why fintech is important and how to get ahead in a career in financial technology. For more episodes like this please visit www.workinfintech.com and follow us on LinkedIn, Twitter, and Instagram. (00:53) - Introduction(01:51) - Early Career as a Consultant(05:38) - Development at Goldman Sachs(12:23) - How important is it to understand technology in a banking environment and to what extent?(15:12) - Do you believe coding is a necessary or certain skill that's needed to be successful in FinTech or Finance?(17:57) - What advice would you give to graduates who joined banks in the early stages of their careers?(21:05) - Is there any advice that you'd give to those who start their own start-ups? (26:43) - What would you define as a Fintech?(28:18) - Do you think there are any specific areas of the financial industry in general which have advanced more as a result of FinTech? (30:32) - What opportunities do you see in FinTech in say the short, near term and long term future? So three, five, 10 years?(35:54) - Have you got any advice around what people should read or what they should listen to or any good routines that you may have?