Welcome to the connector podcast, an ongoing conversation connecting FinTechs, banks and regulators worldwide. Join CEO and founder Koen Vanderhoydonk as you learn more about the latest available trends and solutions in the markets.
Koen Vanderhoydonk (The Connector)
We map how Belgium's e‑invoicing mandate and EU initiatives like VIDA, PSD3, and PSR are changing payments, and why compliance delivered via APIs is now a competitive product. We also unpack AI's impact on onboarding, verification of payee (VoP), and the push for lower, more sovereign fees.Join us for a podcast with Cedric, CEO of Digiteal.• API-based payments, e‑invoicing, QR, and open banking• Belgium's Peppol mandate and fast adoption• VIDA and the road to cross-border e‑reporting• Compliance as a service under PSD2/PSD3 passporting• Aera acquisition and retail card-present synergies• Fintech for good through lower transaction fees• AI-driven onboarding with authentic sources• Verification of pay for IBAN-to-name matching• Expansion across Europe using a repeatable playbook• How to start with GTeal's docs and APIsTo connect and keep up to date with all the latest, head over to www.jointheconnector.com or hit subscribe via your podcast streaming platformThank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
We unpack why KYC in payments became so heavy and how to make it almost invisible with data orchestration, deep KYC, and thoughtful UX. NABU's approach prefills profiles from trusted sources, uses AI to verify the real world, and gives analysts clear, auditable evidence.• mission to move from onboarding to no boarding • why payments face extra AML and sanctions scrutiny • balancing seamless UX with regulatory obligations • EU AMLD6, UBO access, and national eID schemes • API orchestration across multi-country data sources • deep KYC using unstructured data and storefront checks • analyst-first design with explainable reports and flags • access and fairness gains when onboarding gets easierTo connect and keep up to date with all the latest, head over to www.jointheconnector.com or hit subscribe via your podcast streaming platformThank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
We sit down with Xavier Corman to unpack how Finrack turns inventory into financeable collateral using real-time pricing and a sale-and-buyback model. The conversation spans EU cross-border advantages, practical AI, and why better inventory KPIs drive both growth and sustainability.• founding story and links to FinTech Belgium and EDFA• the SME financing gap when inventory is the asset• how real-time pricing enables flexible funding• case study of an organic bakery scaling seasonal output• regulation via sale and buyback rather than loans• cross-border VAT mechanics inside the EU• integrations with WMS and ERP for daily data• operational KPIs that reduce waste and warehouse size• practical use of AI for data cleaning and analysis• broker-led go-to-market and market expansion• client testimonials and rising demand across Europe• where to enquire and how to qualifyIf you want to know more, go to finrack.com, fill in the three fields, and we will contact you back.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
We explore with Alexander from Solanteq, what makes a payments platform truly modern: cloud-native, modular, API-first, and regulation-ready, with the ability to scale from small pilots to global volume. We share a vision for “payment autopilot” and how multi-rail orchestration and AI can make payments feel invisible.• Cloud-native, modular architecture for issuing, acquiring and settlement• API-first integration with legacy and new systems• Compliance by design and predictable audits• Data streaming for analytics and added-value services• Managing legacy tails while moving to future rails• Multi-rail strategy for cross-border and instant payments• Payment orchestration across simple and complex flows• Practical roles for AI in risk, routing and efficiency• Vision for a consumer and merchant “payment autopilot”• How to contact the team to start modernisingTo connect and keep up tonight with all the latest, head over to www.join theconnector.com or hit the client on your podcast orThank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
We explore how fintechs can move fast without breaking compliance, turning frameworks like DORA, NIS2, ISO 27001, SOC 2, and PCI DSS into a shared foundation for resilience. Copla's blend of automation and expert guidance shows why continuous audit readiness beats fire drills and how vendor risk can be managed at scale.• origin story and why compliance pain inspired Coppla• mapping across frameworks, including DORA, NIS2, ISO 27001, SOC 2, PCI DSS, MiCA• automation plus expert support for clarity and speed• vendor risk management and the DORA third‑party register• continuous audit readiness and always‑on evidence• cybersecurity link to compliance via resilience and exercises• cautious, guardrail AI for evidence verification• global applicability and rapid framework onboarding• roadmap: deeper vendor risk, risk management, awareness training• who should contact Coppla and where to find themIf you have any compliance issues, I'm sure many companies do. If Dora, Mika, PCI DSS, or ISO 2701 are on your radar, contact us. If you have already sold those things, or to some extent, you can still contact us because we can help you recertify and so on. We can still automate some stuff you probably do manually in Excel or similar tools. If that's on your radar, then let us know. Well, the best thing would be to go to our website, www.copla.com, and they can reach out to us there. To connect and keep up to date with all the latest, head over to www.jointheconnector.com or hit subscribe via your podcast streaming platform.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
We dig into how AI changes the risk surface for banks and fintechs and why identity must be designed from the start. Sutton Maxwell of Curity shares how to set API guardrails, balance friction with trust, and choose hybrid architectures that meet regulation without killing speed.• What Curity does for API security and identity• Why AI pilots fail without early security design• Common mistakes when teams bolt on controls late• How to balance UX with risk‑based friction• US speed vs EU regulation on AI adoption• Hybrid, multi‑cloud, and cloud exit strategies• Practical advice for fintech founders on KYC, OAuth, OIDC• Turning compliance into a growth advantageTo connect and keep up to date with all the latest, head over to www.jointheconnector.com or hit subscribe via your podcast streaming platformThank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
We connect the dots between KYB, UBO rules, and open data, showing how structured official records cut risk and speed up onboarding. We also explore agentic commerce, the rise of perpetual compliance, and why human oversight remains essential. Join Toon Vanagt, founder and CEO of Data.be. • data.be's single view across Belgian registers• KYB across onboarding, credit, and ongoing checks• UBO transparency, purpose, and new access limits• moving from reactive to perpetual monitoring• scoring deltas between claims and official data• Europe's mixed openness and paid registers• guardrails for AI agents and accountability• banks insourcing cores, vendors handling edge cases• hybrid workflows with human in the loop• contact paths for KYB solutions and integrationsTo connect and keep up to date with all the latest, head over to www.jointheconnector.com or hit subscribe via your podcast streaming platformThank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
We explore how Hong Kong serves as a precise, high‑density launchpad for European fintechs, combining global finance access with practical, domain‑based regulation. Paula Kent and Fernando from Invest Hong Kong share tactics, sectors with pull, and concrete wins founders can model now.• Hong Kong's financial hub status and market density • Differences between the EU scale and the Hong Kong focus • Domain‑based regulation for virtual assets and stablecoins • Common law familiarity and clear licensing scope • Follow‑the‑customer entry strategy for faster wins • Accelerators, events, and investor access in the city • Cross‑border capital flows via Stock, Bond, and Wealth Connect • High‑opportunity areas: payments, crypto, e‑commerce, insurtech • Science Park links to the Greater Bay Area for trials • Case studies: DePAM asset management, Fineos, CurrencyFair • Near‑term trends and how to reach Invest Hong KongTo connect and keep up to date with all the latest, head over to www.jointheconnector.com or hit subscribe via your podcast streaming platformThank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
We explore how Europe's fragmented credit data blocks fair lending for people who move across borders, and how Mifundo connects bureaus and banks to make financial identities portable. We share progress to 17 countries, the mindset shift lenders need, and how to use AI under EU high‑risk rules without black boxes.• fragmentation of European credit data and its impact on borrowers• difference between cross‑border credit and financial mobility• historical and regulatory reasons for national silos• access barriers to registries and legal limitations• mindset and cultural inertia within banks and supervisors• Mifundo's coverage of 17 countries and 70% of population• bank partnerships across Spain, Greece, Romania, Scandinavia and the Baltics• ecosystem goal serving bureaus, banks and consumers• AI usage with transparency under the EU AI Act• practical endgame: seamless lending regardless of bordersPlease find me on LinkedIn. You can contact me there or via email as well.To connect and keep up to date with all the latest, head over to www.jointheconnector.com or hit subscribe via your podcast streaming platformThank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
We explore how AI and behavioural science can make debt collection more humane, more effective, and easier to scale across Europe. PAIR Finance explains reinforcement learning, a single international platform, and why recovery and retention go hand in hand.• AI-driven collections with behavioural science• Reinforcement learning optimising tone, timing, channels• One platform operating in 11+ European markets• Compliance with EU AI rules and local licenses• Recovery rates improved while protecting retention• Inbound automation with a generative AI agent• Human support for complex and sensitive cases• Event strategy for partnerships and education• Unified dashboards and transparency for clientsTo connect and keep up to date with all the latest, head over to www.jointheconnector.com or hit subscribe via your podcast streaming platformThank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
The ground under finance moved, and most people only felt a rumble. We spent 2025 translating messy tech estates into DORA‑ready living registers, turning spreadsheets into real‑time risk maps, and discovering that fintech isn't a sidecar anymore—it's the engine. When a major processor or open banking provider hiccups, payments across entire regions stall. That's why regulators accelerated, why critical third parties now face continuous oversight, and why instant payments became Europe's quiet new normal.We walk through the practical realities of this shift: how DPM 4.0 and XBRL CSV forced banks and fintechs into a shared language; how SCT Inst mandated 24/7/365 settlement and price parity; and how compliance stopped being a box to tick and started acting like telemetry you can steer with. Then we pivot to AI, where the real gap isn't enthusiasm—it's insurance and accountability. Traditional policies didn't imagine self‑learning systems that fail without a hack or a human mistake. Enter AI assurance: controlled testing, stress simulation, and continuous scoring that translate governance into measurable evidence aligned to the EU AI Act's high‑risk rules hitting in 2026.Of course, intelligent agents need rails they can actually use. That's where DeFi's programmable architecture, stablecoins like USDC and PYUSD, and agent payment protocols meet internal policy engines to build compliant, verifiable machine transactions. Alongside, we show how teams killed the Excel grind by automating customer reports that cut churn and DSO, and by issuing immutable premium reports for boards and regulators. Beyond the big hubs, APAC's VLEI momentum, India's privacy advantage, and Latvia's capital‑efficient scale point to a broader acceleration powered by standards and verifiable data.The takeaway is simple and demanding: the winners in 2026 will treat compliance as a product feature, build AI‑literate operations, and interoperate across cards, account‑to‑account, and stablecoin rails. Real‑time is here, rules are written, and execution is the frontier. If AI is about to run finance at machine speed, who should own the proof of continuous resilience? Subscribe, share, and tell us your view—because the answer will define the next decade.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
What if your systems could instantly verify not just a company's identity, but that a specific person or agent is truly authorized to act for it? We sit down with Alexandre Kech, CEO at GLEIF, to unpack how the Legal Entity Identifier became the world's backbone for business identity and how the new Verifiable LEI brings authority, delegation, and digital trust into the open—across web, apps, and cross‑border workflows.We trace the journey from post‑2008 regulatory gaps to a global, regulator‑overseen public good that maps who is who and who owns whom. Alex explains how vLEI upgrades identity by binding official organizational roles—directors, UBOs, CFOs, even AI agents—to a company through cryptographic, verifiable credentials. That means cleaner onboarding, true single sign‑on for enterprises, role‑based digital signatures that stand up to audit, and safer integrations with suppliers, banks, and platforms. We explore the trust architecture end‑to‑end: the root of trust, accreditation of Qualified vLEI Issuers, and how companies can extend credentials internally to staff and systems.Asia-Pacific's momentum takes center stage, with rapid growth in LEI issuance, a critical mass of QVIs, and forward‑leaning pilots. Hear how fragmented jurisdictions and busy trade corridors turn vLEI into an interoperability layer for payments, trade, and compliance. If this conversation helps you see identity and authority in a new light, follow and share the show with a colleague who cares about payments, compliance, or digital trust. Subscribe for more deep dives, and leave a review to tell us where you want vLEI adopted next.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
Money now moves at machine speed, and the rules of trust, identity, and loyalty are being rewritten in real time. We break down how banks are collaborating on shared utilities, why a 20-character LEI is becoming a passport for cross-border payments, and where BNPL's rapid growth collided with transparency as FICO pulls installment data into mainstream credit scoring. Along the way, we explore why a checkout that ignores local habits can sink conversion, with Poland's BLIK and parcel lockers as proof that acceptance is end-to-end, not just a card toggle.We also separate headline hype from bank-grade reality on digital assets. Stablecoins may dominate newsfeeds, but hidden on-ramp, FX, and compliance costs often dull their edge. Tokenized deposits—regulated bank money represented digitally—offer a cleaner fit with existing oversight and core systems, turning DLT into a cheaper rail rather than a new currency. Then we zoom out to the strategic map: the U.S. normalizing stablecoins and the EU weaving MiCA, DORA, and PSD3 into resilience-first rails. Who scales faster: dollar-denominated networks or integrated euro infrastructure?The final act looks straight at autonomy. India's live UPI pilot links AI agents to real payments, where your assistant buys the coffee, picks the optimal card, and reallocates your cash to the highest yield—no human required. That's an earthquake for loyalty programs and deposit margins built on inertia. We confront the European roadblocks—SCA's human-in-the-loop, GDPR's purpose limits, and the AI Act's high-risk rules—and the looming question of liability when an agent misfires. Our message is clear: don't chase headlines, chase readiness. Build shared trust layers, adopt standardized identity, and make product terms machine-readable so you can switch on agent-safe capabilities in weeks, not years. If this conversation sparked ideas or pushback, subscribe, share with a colleague, and drop a review telling us whether you think brand loyalty survives relentless optimization.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
The biggest fintech wins don't start with features—they start with identity. We sat down with Curity CEO Gustav Sahlman fresh off Nordic Fintech Week to unpack why identity is now the strategic layer for conversion, retention, and rapid product launches, and how AI is reshaping what customers expect from every interaction. From passkeys and biometrics to data sovereignty and deployment freedom, we dig into practical choices that make security feel effortless while staying compliant across KYC, AML, and GDPR.Gustav brings a builder's perspective on cloud‑native IAM: portable architecture for API‑rich environments, orchestration for human and non‑human users, and the freedom to run on‑prem, in private or public cloud, or as a managed service. We explore how to avoid vendor lock‑in, tune user journeys for different segments, and adopt passwordless flows that cut friction without weakening assurance. Along the way, we address the global UX bar set by Apple Pay, Google Wallet, and industry wallets in Europe—and why even local fintechs must design to that standard from day one.AI shows up as both accelerant and risk. Agentic systems can guide onboarding and support in natural language, but they also introduce new identities—bots, services, and tools—that need scoped access, auditability, and revocation. We talk real‑world pitfalls like convenience traps where user data is quietly used for model training, and we share how to keep sovereignty intact with clear consent, minimization, and standards like MCP for safer integrations. If you're building in fintech and want security, speed, and UX to rise together—not trade off—you'll find a blueprint here.Enjoyed the conversation? Subscribe, share with a teammate who owns onboarding or compliance, and leave a quick review to help more builders find the show.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
The hype cycle is over; the results era is here. We unpack how finance moves from shiny demos to measurable outcomes by pairing agentic AI with the enterprise plumbing that actually makes change stick: orchestration, shared standards, and rigorous governance. Along the way, we confront the 93% project failure narrative and show why a simple time filter—necessary, automatable, delegable—cuts through noise and aligns work with true ROI.We walk through real examples that shrink lending cycle times from months to minutes, explain why outcome-based pricing beats per-seat models, and clarify the critical differences between reactive generative tools and proactive, goal-driven agents. Then we zoom out to the architecture that turns outputs into outcomes, from orchestration as the command layer to BIAN's service domains and business object model that finally give banks a common language. Security and resilience get equal weight as we step into the AI-versus-AI battlefield and map how DORA and the EU AI Act overlap, including provider vs deployer responsibilities and incident reporting that keeps operations and model risk in check.There's more: the accessibility mandate reshapes what “done” means for digital onboarding and automated flows; wealth tech emerges as the next growth engine with a massive generational transfer on the horizon; and social impact cases show AI driving nonprofit income stability and financial literacy at scale. Through it all, we return to the human edge—professionals who translate automation into trust, navigate ambiguity, and make better decisions with cleaner data and clearer guardrails.If this conversation helps you see where AI creates real value in your stack, support the show: follow, share with a teammate, and leave a quick review with your biggest takeaway.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
Finance is being fundamentally rebuilt and re-architected as credit becomes woven into our digital lives rather than something we seek out separately. This shift toward invisible, embedded finance is changing how individuals and businesses access and manage money, with fintechs often leading the charge.• Invisible lending is embedding finance directly into digital experiences like e-commerce checkouts and business software• Traditional banks risk becoming less relevant if they don't adapt to new distribution models in digital spaces• AI is transforming financial processes, completing credit assessments in minutes instead of hours or months• European and Asian regions approach fintech innovation differently – Europe like chess (methodical, rule-heavy) and Asia like go (fast, agile, experimental)• Cross-border credit invisibility affects thousands of Europeans who become "credit invisible" when moving between countries• Only 1% of VC funding in Europe went to women-only founding teams in 2023 despite research showing strong returns• The future of property finance involves holistic dashboards tracking value, renovation opportunities, and environmental impact• Revenue-based financing provides SMEs with flexible repayments based on actual income, better matching business reality• Singapore demonstrates integrated property tech systems connecting smart buildings, resident apps, and digital financing• The Nordics show successful collaboration between banks and fintechs in creating agile lending ecosystemsAs finance becomes more embedded and invisible, the challenge becomes ensuring your financial reality is fully seen and properly understood by AI systems and platforms.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
Special Discount code: “TheConnector20”https://nfweek.com/David Grundy takes us behind the scenes of Nordic Fintech Week, revealing why this gathering has become Europe's premier dedicated fintech event. Unlike other technology conferences that cover multiple domains, Nordic Fintech Week maintains a singular focus on financial technology, creating a unique space where startups and established institutions converge with shared purpose.The 2023 theme, "Can we keep technology human?" perfectly captures the event's philosophy. As Grundy explains, the goal is making complex technologies tangible and valuable: "You're telling me all this stuff is great, but show me what that actually means for me as a customer, what does it mean for me as a bank, what does it mean for me as an individual." This approach transforms abstract concepts like AI and quantum computing into practical applications with real-world impact.What truly distinguishes Nordic Fintech Week is how it embodies fundamental Nordic cultural values – collaboration, trust, respect, and inquisitiveness. The event intentionally creates spaces for meaningful human connection, from dedicated networking areas to signature experiences like the morning run where CEOs and developers connect in a relaxed environment. The Nordic Fintech Awards showcase innovative solutions with demonstrated traction, maintaining complete independence and integrity in their selection process. With meticulous program curation and overnight venue transformations that Grundy describes as "completely insane," everything serves one purpose: fostering the connections and collaborations that drive fintech innovation forward.Whether you're a startup founder, financial institution executive, investor, or technology enthusiast, Nordic Fintech Week offers a uniquely valuable experience. Join us May 24-26 in Copenhagen to experience this remarkable convergence of technology and humanity – where the future of finance takes shape through genuine connection and collaboration. Register now and become part of the conversation that's defining the next generation of financial services!Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
Ever wonder how a small Estonian startup transformed into a multi-country European bank during one of the most challenging periods in modern financial history? InBank's remarkable journey proves that crisis creates opportunity for those innovative enough to seize it.After the 2008 financial crisis, when traditional banks pulled back from consumer finance and technology investment, InBank recognized a critical market gap. Their "killer feature" in 2011 was remarkably simple yet revolutionary: fully automated credit decisions and contracts for in-store purchases completed in minutes. This singular focus on seamless customer experiences at the point of sale became their competitive advantage.What makes InBank's story particularly fascinating is their strategic approach to expansion. Rather than competing directly with traditional banks, they secured a European banking license primarily to access retail deposits as a stable funding source. This enabled their passport across borders, though CEO Priit candidly reveals the challenges of scaling across Europe: "It's not the single market as it is on paper." Despite regulatory harmonization efforts, each country requires significant localization of processes, from identification methods to credit bureau integrations.Today, InBank exemplifies the evolution of embedded finance, creating tailored experiences for specific verticals—from Apple device rentals to solar panel financing with synthetic securitization. Their focus on medium-ticket purchases (€1,000-25,000) where speed and convenience matter most has attracted 6,000+ partners across multiple countries. As they describe themselves, they're "a fintech with a banking license," bridging traditional banking capabilities with technological innovation.Curious about partnering with this European embedded finance pioneer? Connect directly with InBank's CEO at priit@inbank.ee to explore opportunities for collaboration in this rapidly evolving financial landscape.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
Decrypting the language of markets through sound, frequency, and vibration isn't just a headline-grabbing concept – it's the foundation of OmniWave Fintech's revolutionary approach to wealth management. In this thought-provoking conversation, CEO and founder Adam Rubin reveals how his team has developed a system that transforms market noise into consistent returns, particularly in the deep waters of the Forex market.What sets OmniWave apart isn't just their algorithmic prowess but their radical commitment to transparency. Adam articulates the pain point brilliantly: traditional systems force wealth managers to send funds to hedge funds, lose custody control, and wait blindly for results or the occasional PDF report. OmniWave's solution? Real-time visibility of every position, one-click downloadable reports, and full custody retention. For institutional investors tired of black-box solutions, this transparency revolution is precisely what they've been seeking.Perhaps most fascinating is OmniWave's unexpected journey into serving NGOs and nonprofits. Adam observed a paradoxical reality: "The more philanthropic the organization is at its core, the less financially competent it actually turns out to be." This insight led to helping these organizations achieve financial self-sufficiency rather than perpetual dependency on grants and donations. From Formula One teams allocating 3% of budgets to risk-reward programs to luxury manufacturers seeking financial engines, Adam paints a compelling picture of institutions craving tools that create self-perpetuating funds. Looking ahead, he anticipates increasing market volatility alongside rapid technological advancement – a perfect storm of challenge and opportunity for those equipped with the right tools. Ready to decode the markets? Connect with Adam through OmniWaveFintech.com to explore their digital library and learn more about this unique approach to wealth technology.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
Emmanuel Daniel, founder of TAP International and author of "The Great Transition," explores the fascinating connections between ancient snake mythologies, humanity's quest for immortality, and the rise of artificial intelligence in the financial industry.• Mythologies across cultures show humanity's aspiration for godlike powers and immortality, with snakes symbolizing renewal without true immortality• AI represents our latest attempt to achieve godlike status but may contain built-in limitations that prevent humanity from self-destruction• Different governance approaches exist globally: European principles-based systems versus American rules-based frameworks• AI fundamentally transforms financial services by enabling unprecedented disintermediation between institutions and customers• Banks must redefine their intermediation role as agentic AI allows end users to build their own interfaces• Back-office operations are being dramatically simplified, reducing technology's status as a competitive differentiator• Financial institutions should prioritize adapting to AI's core impacts rather than just resisting disruptionFor more information, visit Emmanuel Daniel's blog at emmanueldaniel.comThank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
Finance is undergoing a radical transformation that's redefining how we think about money, technology, and trust. The latest edition of Finance X Magazine pulls back the curtain on these changes, revealing a landscape where artificial intelligence has moved from experimental to essential.The numbers tell a compelling story: 85% of Belgian financial institutions now maintain dedicated AI units—a staggering jump from just 37% last year. This isn't superficial adoption; it's a fundamental strategic pivot affecting everything from talent development to organizational structure. Graph LLMs are emerging as particularly powerful tools, connecting complex data points to detect fraud patterns and personalize customer experiences with unprecedented precision.Beyond AI, we explore how geography and regulation are reshaping global fintech. Europe has become a magnetic destination for Asian fintech expansion thanks to its passporting system—one license unlocks an entire continent. Meanwhile, in Turkey, a startup called Midas achieved the seemingly impossible: doubling the country's investor base in just three years by slashing trade fees from $25 to $1.50 and eliminating minimum balances. Their story demonstrates how technological innovation can create "financial armor" against economic instability.For established players, adaptation is essential but complex. AXA Partners shows how embedding insurance directly into partner journeys creates seamless customer experiences. Yet Solaris serves as a cautionary tale of growth outpacing operational controls, resulting in regulatory fines and reputational damage. The striking parallel drawn between legacy banks and Yellowstone's John Dutton perfectly captures their challenge: leveraging valuable existing assets while avoiding obsolescence.As technology accelerates and regulations tighten—from NIS2 cybersecurity requirements to comprehensive crypto frameworks—financial institutions face a profound question: How do we balance innovation with stability, and ultimately, how do we maintain trust at the center of everything we do? Join us as we navigate these crucial questions reshaping the future of finance.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
The financial world stands at a profound inflection point as traditional boundaries dissolve and banking transforms from destination to ubiquitous infrastructure. Finance X Magazine's latest issue unveils how financial services are becoming invisible yet omnipresent, embedding seamlessly into the platforms where we already spend our time.At the foundation of this revolution lies data standardization through the Legal Entity Identifier (LEI), described as a "global data linchpin" that creates transparency across industries and supply chains. This universal language for entity identification has evolved from post-financial crisis risk management to become essential for sustainability reporting and climate action, enabling companies to finally tackle those elusive scope three emissions by revealing the complex web of business relationships throughout value chains.For small and medium enterprises, sustainability tracking has historically been prohibitively complex—until now. The groundbreaking "GHG Nowcasting" approach leverages AI to analyze ordinary purchase invoices, automatically generating emissions estimates that transform sustainability from burdensome obligation to strategic advantage. This democratization of environmental data gives SMEs the insights needed to reduce their footprint while providing policymakers a more complete picture for effective climate policy.Perhaps most transformative is the concept of "beyond banking," where financial services disappear into everyday activities. Examples abound: Amazon users opening savings accounts without leaving the shopping app, healthcare clinics embedding payment plans at the point of care, and banks expanding into energy transition services. This invisible integration creates deeper customer relationships while positioning financial institutions as essential life partners rather than mere transaction processors.The parallels drawn between sustainable finance and mathematician John Nash's work offer a compelling framework for the collaborative mindset needed today. Just as Nash showed optimal outcomes often require cooperation rather than pure competition, banks must work together to establish ESG standards and tackle the data quality challenges that plague sustainability efforts. This "Nash equilibrium applied to finance" represents a fundamental shift from regulatory compliance to strategic value creation.As AI accelerates at an astonishing pace—reportedly doubling in intelligence every six months—and digital assets converge with traditional finance, the winners will be those who master strategic integration over piecemeal technology adoption. The future belongs not to those with the flashiest features but to those who create seamless, contextual experiences by connecting previously siloed systems and data.How is your organization navigating this transformation? Are you positioning as infrastructure rather than destination? Join the conversation and discover how these trends are reshaping industries far beyond traditional finance.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
What happens when the global economy's tectonic plates start moving in different directions after decades of synchronised movement? In this fascinating conversation, Philippe Gijsels, Chief Strategy Officer of BNP Paribas Fortis and co-author of "The World Economy in Five Trends," unravels the complex forces reshaping our economic landscape.Gijsels introduces us to "multi-globalisation" – not the end of globalisation but its fragmentation into distinct economic blocks moving at different speeds. This shift explains the increased market volatility we're experiencing as these economic plates collide, creating dramatic swings in equity markets and currencies. While climate change, geopolitical tensions, and ageing populations in developed nations create inflationary pressures, Gijssels highlights demographics as perhaps the most underestimated force. Africa's projected population explosion from today's 1 billion to 4 billion by 2100 will profoundly reshape global economic dynamics for generations.Despite these challenges, Gijssels maintains a refreshingly optimistic outlook. He positions innovation, particularly artificial intelligence, as our potential salvation, comparing the AI revolution to humanity's discovery of fire or invention of the wheel. Drawing parallels with Neil Howe's "Fourth Turning" theory, Gijsels suggests we're in a cyclical period of disruption that occurs roughly every 80 years, similar to the era preceding World War II. Yet history shows these periods eventually give way to rebuilding phases led by new generations, what he affectionately calls "young wizards" rather than prophets, who have unprecedented opportunities to create a better world.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
The Digital Operational Resilience Act (DORA) creates significant new compliance requirements for financial institutions in the EU. DORAedge offers a technological solution to manage these complex challenges effectively.• Copenhagen-based fintech Performativ created DORAedge to help financial entities comply with DORA regulations• The Register of Information requirement demands mapping of ICT networks and third-party providers across jurisdictions• DORA uniquely impacts organizations cross-functionally, requiring collaboration between IT, legal, compliance, and procurement• DORAedge transforms static compliance reporting into dynamic, real-time data management• Incident management module helps meet strict reporting timelines• Policy governance tools include suggested controls mapped to DORA articles and AI-powered gap analysis• Future enhancements focus on multi-entity collaboration, permissions management, and third-party integrationsVisit www.doraedge.com to book a demo and learn how the platform can help your organization achieve DORA compliance.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
The financial landscape is undergoing dramatic transformation. From Asia's strategic pivot toward Europe to revolutionary approaches in fighting financial crime, every aspect of finance is being reimagined through technology.At the heart of this evolution is a fascinating shift in global financial partnerships. Asian institutions are increasingly looking to Europe rather than the US, seeking stability and complementary strengths. This creates a powerful synergy: Asia's cutting-edge digital solutions and agility combined with Europe's robust regulatory frameworks and risk management expertise. Projects like Singapore's collaboration with the European Investment Bank on DeFi for bonds showcase how these partnerships are driving innovation.Meanwhile, financial crime fighters are gaining powerful new tools. The groundbreaking AML-TREX initiative represents the first universal "language" for describing money laundering techniques in a machine-readable format. By mapping criminal tactics in a structured way, this open-source knowledge graph enables standardized detection methods that could transform how we combat the estimated $2 trillion laundered annually.The Digital Operational Resilience Act (DORA) marks another pivotal change, bringing technology providers directly under EU financial regulation. For tech companies serving financial institutions, this necessitates a fundamental shift in operations – from incident reporting to resilience testing – creating both challenges and competitive opportunities.Perhaps most revolutionary is the transformation in digital identity. India's comprehensive approach has demonstrated astonishing results: 1.35 billion Aadhaar IDs enabling direct government payments that have saved $3.48 trillion by eliminating fraudulent recipients. Video KYC and digital document storage have slashed costs by 90% while enhancing security. Similarly, the EU's electronic ID initiative promises stronger protection against sophisticated AI fraud, which could otherwise cause billions in losses.These developments aren't just technological – they represent a strategic reimagining of finance itself. Forward-thinking organizations now view compliance not as a cost center but as a foundation for growth and innovation. Balancing these transformative technologies with necessary safeguards presents challenges, but also unprecedented opportunities to create a more efficient, inclusive, and secure financial ecosystem.What role will you play in shaping this digital financial future?Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
Bridging the gap between innovative fintech solutions and traditional banking, QRED Bank is rewriting the rules for SME financing across Europe. In this revealing conversation with Norway Country Manager Kristina, we explore how QRED transformed from an ambitious startup into a fully-licensed bank without losing its entrepreneurial spirit or customer-first approach.The statistics are startling: small and medium-sized enterprises make up 99% of all European businesses and contribute 36% of all taxes, yet receive merely 1% of traditional bank funding. This glaring disparity drives QRED's mission to create more accessible financing options for businesses that form the backbone of our economies.What sets QRED apart isn't just their technology—it's their understanding that behind every loan application is a real business with unique needs. "Time is valuable for any business owner," Kristina explains. They don't want to spend hours filling out five-page loan applications." This recognition has shaped their approach, from streamlined application processes to the surprisingly simple competitive advantage of answering the phone when customers call.The journey hasn't been without challenges. When entering the Norwegian market, QRED encountered unexpected cultural resistance to non-traditional lending. Rather than forcing their existing model, they adapted through education and trust-building. This flexibility, combined with their data-driven insights from a decade of SME lending, allows them to tailor financial solutions that work for business owners.Curious about how fintech innovation can coexist with banking regulation? Want to understand how open banking is revolutionising SME lending? Listen now to discover how QRED reimagines financial services one relationship at a time. Follow us for more conversations connecting the worlds of fintech, banking, and regulatory innovation.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
The future of finance is unfolding at breakneck speed, especially in the German banking and fintech landscape heading toward 2025. As we explore this rapidly evolving terrain, we discover a fascinating paradox: despite significant economic headwinds including pandemic aftereffects and inflation, German fintech funding has surged to $8.2 billion, representing a remarkable 4% increase.What's driving this resilience? A historic €1 trillion investment package approved by the German parliament creates fertile ground for innovation, particularly in digital infrastructure. Yet traditional banking institutions continue wrestling with cost pressures and legacy IT systems that simultaneously provide stability while constraining progress—a duality aptly described as both "fortresses and prisons."The regulatory environment remains distinctively stringent, with BaFin maintaining rigorous compliance standards and new EU regulations like DORA demanding robust digital resilience. While these requirements present initial hurdles, they ultimately establish a globally recognized standard of credibility that benefits companies with international ambitions.Artificial intelligence stands at the forefront of transformation, particularly in lending practices. Enhanced underwriting now analyzes broader datasets beyond traditional credit scores, creating more holistic risk assessments. Real-time monitoring, sophisticated fraud detection, and personalized customer experiences represent other key AI applications revolutionizing finance. The global market for AI in fintech, valued at $9.45 billion in 2021, is projected to grow 16.5% annually through 2030.Perhaps most fascinating is the emergence of Verifiable Legal Entity Identifier (VLEI) technology as a solution for establishing digital trust. Functioning as a decentralized method for authenticating organizational identities online, VLEI enables secure document signing, cryptographic verification, and precise permission management—crucial protections against digital fraud projected to reach $1.82 trillion by 2028.Success in this dynamic landscape demands understanding market nuances, strategic technology adoption, and addressing German consumers' distinctive preferences. The future belongs not to those who simply discard tradition or resist change, but to those who strategically blend established strengths with innovative capabilities in an ever-evolving financial ecosystem.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
Flexibility and integration have become the new currency in financial services. In this deeply insightful conversation with Renaud from Basikon, we unpack how modern lending and leasing technology is fundamentally reshaping financial operations.Founded by industry veterans who witnessed the limitations of legacy systems firsthand, Basikon delivers a refreshingly different approach to banking technology. What makes their platform revolutionary isn't just cutting-edge tech—their adaptability philosophy. They're helping financial institutions break free from operational rigidity through embedded workflows and an API-first architecture while maintaining regulatory compliance.Renaud shares fascinating contrasts between implementing for greenfield startups versus established incumbents. While startups benefit from rapid deployment of standardized processes, the challenge with established players lies more in change management—convincing them to let go of non-differentiated processes that add unnecessary complexity. The guiding mantra? "Keep it stupidly simple."The conversation expands into broader trends reshaping finance: embedded finance blurring traditional boundaries, AI transforming credit decisioning, and the inevitable shift toward real-time lending. Perhaps most provocatively, Renaud challenges the notion that complex products like mortgages can't be streamlined, suggesting that decision processes could be drastically accelerated across all financial services.Whether you're a fintech entrepreneur, banking executive, or technology enthusiast, this episode offers valuable insights into how API-first, flexible architectures are creating the foundation for tomorrow's financial ecosystem. Visit their website at basikon.io to learn how modular, adaptive systems might revolutionize your financial operations.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
Three decades of financial innovation have positioned Isabel as a cornerstone of Belgium's banking landscape. Starting as a multi-banking payment platform in 1995, this joint venture of Belgium's four major banks has evolved into something far more ambitious – creating financial ecosystems that connect institutions, businesses, and technology providers.Sylvie van der Velde, who leads business development at Isabel, reveals how their latest platform "Kube" is transforming corporate data exchange. With 300,000 companies already in the system, Kube is a digital passport allowing banks to share verified business information, eliminating redundant KYB processes. "When you're a client at two banks, you don't need to do the KYC process twice," Sylvie explains. This invisible benefit streamlines verification while maintaining security.What's particularly fascinating is Isabel's pragmatic approach to technology. Though Kube began as a blockchain experiment during the technology's peak hype around 2018, the team ultimately pivoted away from it. "We turned it around," Sylvie notes. "Our objective is having a better client experience - which technology do we need?" This refreshing focus on outcomes rather than trending technologies demonstrates the maturity that comes with 30 years in the industry. Looking ahead, Isabel plans to expand Kube beyond identity verification to include ESG data, allowing voluntary SMEs to showcase their sustainability credentials. This will provide businesses with competitive advantages in tenders and recruitment, as younger talent increasingly prioritizes employer values. With interest from Luxembourg and the Netherlands, Kube's potential extends beyond Belgium's borders.Visit Isabel's website to learn more about their community events and webinars. There, you can connect with others and explore how their ecosystem approach might benefit your business. After three decades of innovation, Isabel continues to prove that sometimes the most valuable financial solutions come not from disruption but from thoughtful collaboration.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
SevenYoken is revolutionizing accounting with autonomous AI that performs an accountant's days of work in minutes, delivering comprehensive financial reports and professional insights. Tom shares how their system evolved from a certified autonomous bookkeeper to a digital financial officer that can interpret balance sheets, process transactions, and even provide opinions and follow-up questions.• Creating autonomous accounting intelligence that delivers financial reports in minutes• Transforming raw financial data (balance sheets, invoices, bank statements) into comprehensive analyses• Developing a "certified autonomous bookkeeper" that handles repetitive transactional tasks• Building on 15 years of accounting data to train AI with real-world financial scenarios• Using the persona of a Digital Financial Officer (DFO) to bridge the trust gap with users• Running entirely on open-source models deployed in Azure AI cloud• Launching einvoiceBE platform to simplify compliance with upcoming e-invoicing regulations• Providing solutions for small businesses and enterprises with legacy systems through APIsTo learn more about SevenYoken's accounting solutions or their new e-invoicing platform, visit their website or contact them directly for customized solutions to streamline your financial operations.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
Pierre Nemeth, CEO and co-founder of Sopiad, discusses how their fintech company provides scientifically-backed resources to restore investor trust and help financial institutions comply with regulations. Sopiad's journey began with four years of academic research at LCC Liège before officially launching in 2021, addressing the lack of personalization in financial products and inadequate educational frameworks.• Sopiad's main solution is SAFIR, a personalized portfolio diagnostic tool that takes a client-centric approach• Unlike traditional analysis, SAFIR evaluates portfolio alignment with individual risk profiles and ESG preferences• The solution serves financial advisors and portfolio managers by enabling personalized portfolio creation at scale• Sopiad offers an AI storytelling module that converts complex analytics into educational narratives for investors• The company received recognition as one of the world's most innovative ESG companies in November 2024• Their unique approach links SFDR information from investment products to MiFID 2/IDD distribution requirements• Sopiad collaborates with various industry associations to stay ahead of market trends• Future vision includes more personalized investment products, gamified financial literacy, and transparent informationVisit sopiad.com to learn more about their solutions and how they address regulatory needs across different financial sectors.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
Klaas from Regnology shares how the company transformed from a regional player to a European leader in regulatory technology, with ambitions to become the global champion following CPP investment and strategic acquisitions.• Joined Regnology in 2022 when they acquired b.fine, modernizing their front-end offering• Regnology's unique approach pivoting from a reporting platform to a data platform minimizes the impact of regulatory changes on financial institutions• Won Regulatory Reporting Product of the Year Award twice due to granular data approach and cloud-native platform• Secured funding from CPP in December 2024 to expand globally beyond their European leadership• Partnership with Google Cloud enables optimal deployment and AI initiatives like regulatory chatbots• Future vision includes improving two-way communication between regulators and banks• Moving toward real-time supervision rather than traditional monthly/quarterly reportingThank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
Robert from Paynovate describes how the Belgian payment provider has built a comprehensive electronic payment processing service with an EMI license from the National Bank of Belgium, offering everything from card issuing to open banking. Their standout approach is welcoming customers that traditional financial players often reject through scalable compliance procedures that adapt to each client's risk level.• Paynovate provides complete payment solutions including card issuing, terminals, e-commerce, IBAN accounts, and recently added open banking• Their risk-based compliance approach uses 4-8 eyes principles and third-party verification to safely onboard clients from traditionally underserved sectors• They've achieved 15% market share in Belgian payment terminals while expanding internationally• Their Exospend platform offers corporate expense management, IBAN accounts and cards, including white-label options• Compliance flexibility is core to their value proposition, with internal development of key verification processes• Future plans include maintaining their comprehensive service model while expanding to Middle East, Southeast Asia and North America• Stablecoin capabilities are technically ready and launching soonThank you for listening to another episode of the Connector podcast. To connect and keep up to date with all the latest, head over to www.jointhekonnector.com or hit subscribe via your podcast streaming platform.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
How Approach Cyber helps fintech companies navigate cybersecurity challenges from integrated security development to regulatory compliance. Dorian Pacquet shares insights on evolving cyber threats, the role of AI in security, and the importance of managing data protection in the fintech ecosystem.• Approach is a pure-play cybersecurity and privacy partner with over 100 professionals across Belgium and Switzerland offering 360° cyber resilience services• Modern software development requires security integration at all stages, not just end-of-process testing• Supply chain vulnerabilities are a growing concern as all software now relies on external libraries and dependencies• Fintechs face increasing regulatory pressure not just directly but through their regulated customers• AI is becoming integral to security tools including code generation, vulnerability scanning, and remediation• Data protection compliance is equally challenging for organizations of all sizes with limited exceptions for SMEs• Approach offers multidisciplinary expertise spanning technical, strategic, and legal domains to help navigate complex regulations• 24/7 managed security services from their in-house Security Operations Center provide continuous protectionFor more information about Approach Cyber's services, contact Dorian at dorian.pacquet@approach-cyber.com or visit their website at www.approach-cyber.com.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
Lode from AREA42 explains how this innovation vehicle within Credendo is transforming B2B trade finance by offering flexible working capital solutions that make digital trade more accessible and user-friendly.• AREA42 is the innovation arm of Credendo, a credit insurance company with over 100 years of history• Credit insurance protects sellers when buyers don't pay invoices, unlike factoring, which provides immediate financing• Digital B2B marketplaces often require upfront payment, creating friction compared to traditional trade credit terms• AREA42 evolved from offering complex credit insurance to providing streamlined working capital solutions• Their approach keeps user experience simple while handling risk assessment complexity behind the scenes• Partnerships with payment service providers help keep costs lower than traditional financial institutions• AREA42 offers API integration and white-labeling options for seamless incorporation into e-commerce platforms• The biggest learning was shifting from a solution-first to a problem-first innovation approach• Balancing corporate stability with startup agility remains a key challenge and opportunity"Any company in the world, especially in the European Economic Area, we can help you. We can help you with any working capital problem that you have. Come to us, and we will help you."Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
AI agents are set to transform financial services by taking over tasks people currently do while enabling entirely new services, creating both challenges and opportunities for established banks and fintechs alike.• In The Pocket has evolved from a mobile app developer at the dawn of smartphones to a 200-person European digital product studio with a significant focus on AI strategy• Financial institutions must decide how to approach "agent experience" as consumers increasingly interact with their services through AI assistants• The speed of AI development means companies can't afford to wait and see, with hallucinations and high operational costs being the primary challenges• Customer support represents the most promising immediate application for AI in financial services due to its text-based, repetitive nature• Smaller fintechs currently have an advantage as they can manage the high costs of running sophisticated AI models across a smaller user base• Well-structured data remains crucial for effective AI implementation, though future models may become better at working with unstructured informationFor any questions about implementing AI and agents in your financial organization, reach out to In The Pocket's cross-disciplinary team that brings together design, technology, and strategy.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
The regulatory pendulum in European fintech isn't swinging toward deregulation as dramatically as some might have expected. Philippe from Simont Braun law firm cuts through the noise to explain what's happening in the European regulatory landscape.Despite widespread speculation following the European Commission's 2025 work program announcement, major financial regulations like FIDA (Financial Information Data Access Regulation), PSD3, and PSR remain firmly on track. What we're witnessing isn't deregulation but rather a nuanced approach to limit unnecessary regulatory growth – pushing back against what Philippe aptly calls "regulatory overdrive" at the technical implementation level.The conversation reveals a significant shift in regulatory strategy: moving away from directives toward regulations as the preferred legislative instrument. This change helps prevent "gold plating" (where countries add additional regulatory layers during implementation) and creates a more unified European market. Meanwhile, AI adoption in financial services continues to evolve, with applications spanning front office (chatbots, investment advice), middle office (KYC, AML, fraud detection), and back office functions. The upcoming AI Act will introduce a risk-based approach affecting financial services without creating finance-specific regulations.Perhaps most intriguingly, Philippe suggests financial institutions may have a competitive advantage in the coming era of AI regulation due to their extensive experience navigating complex regulatory frameworks. For fintech innovators looking to launch new products or interact with regulators, understanding these nuances could make all the difference between compliance headaches and market success.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
Our 10th episode dives into the exciting intersection of insurance and technology, exploring innovations within the InsurTech landscape. We celebrate milestone achievements while uncovering key themes of balancing reliability with digital transformation.• Exploring the significance of InsurTech in reshaping traditional practices • Highlighting Vee Finance's layered strategy for effective digital transformation • Discussing cybersecurity importance and NIS2 regulations for SMEs • Delving into the concept and benefits of parametric insurance • Investigating the rise of embedded insurance and its regulatory implications • Analyzing InsurTech trends across various regions in Europe • Reflecting on the necessity of balancing innovation with the human element in insurance Join us in this insightful exploration where technology meets a time-honored institution, prompting thought-provoking questions about the future of insurance. Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
Ready to unlock the secrets of fintech innovation? Discover how Roel, the mastermind behind Docapi, is transforming the landscape of smart document processing. As a spin-out from IXOR, Docapi is setting new benchmarks with its revolutionary APIs for financial documents like invoices, receipts, and pay slips. Roel shares the strategic decision to bootstrap Docapi, with a hint at potential investment opportunities on the horizon. If you've ever wondered how AI is reshaping the way we handle both unstructured and structured documents, this episode is a must-listen. We promise you'll gain insights into Docapi's journey from a Belgian startup to an international contender in the fintech arena.But that's not allâbrace yourself for a deep dive into the upcoming e-invoicing mandates set to rock Belgium and Europe. Roel provides an insider's perspective on the shifting landscape of B2B transactions and the technological adaptations required. With looming deadlines and varying European approaches, understanding these changes could be crucial for businesses looking to stay compliant and competitive. As we explore these significant transformations, you'll come away with a clearer understanding of how companies like Docapi are poised to lead in a rapidly evolving market. Don't miss out on this engaging conversation that blends practical insights with visionary thinking.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
Understanding the role of AI in enhancing wealth management, this episode explores the evolving trends shaping the financial landscape. We dive into goal-based investing, the rising influence of women in wealth tech, and the need for robust cybersecurity measures. • AI as a powerful tool in personalized finance• Global economic outlook highlights regional disparities• Dividend payouts are set to reach record highs in 2025• The shift towards goal-based investing strategies• Poland's wealth tech companies democratizing investments• The importance of female leadership in the financial sector• Independent financial advisors provide personalized services• Rising need for compliance and cybersecurity measures in finance• The impact of regulations on maintaining client trustThank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
Join us on an intriguing exploration into the evolving world of fintech, banks, and regulators with our guest Jens from GraydonCreditSafe. Discover how the merger of Graydon and CreditSafe combines local expertise with global technological capabilities to transform credit management and fraud prevention. Jens shares captivating insights into how this alliance leverages data accuracy and reliability to tackle regulatory challenges, including KYC, KYB, and ESG compliance. Get ready to uncover the strategic advantages that this partnership brings to the table, offering a deep dive into the heart of financial innovation.As we further our discussion, we explore the transformative power of data collaboration through the lens of Datavillage's software platform. Learn how banks and insurers can confidentially share insights on persistent issues like fraud. Discover how GraydonCreditSafe's initiative to standardize global data enhances accessibility. This episode serves as a comprehensive guide to understanding fintech's interconnected landscape and data's pivotal role in shaping its future.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
Discover the revolutionary world of e-invoicing and fintech as we host Cedric Neve, the visionary founder and CEO of Digiteal, a pioneering Belgian company making strides in e-invoicing, e-payment, and open banking services. Learn how Digiteal's SaaS API is setting a new standard by enabling businesses to effortlessly integrate these services into their software, a necessity with the new Belgian and European regulations on the horizon. Cedric shares unique insights into Digiteal's cutting-edge technology, designed to meet these regulatory demands with its seamless payment integration and automated processing capabilities. This episode unveils how Digiteal's licensed services across Europe are perfectly positioned to support businesses in this transformative era of B2B payments.Turn your focus to the fast-paced evolution in banking and fintech as we dissect the role of big data and AI in crafting highly personalized financial experiences. Discover how banks are using customer data not just to offer tailored credit solutions but to unlock competitive cross-sell opportunities, all while maintaining GDPR compliance and addressing ethical considerations. Cedric guides us through the landscape where tools like KBC's Solucio are changing customer interactions, enhancing them with integrated, personalized financial products. Don't miss out on how these innovations are reshaping banking and creating exciting opportunities for both businesses and their clientele in the fintech world.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
Mathematical modeling expert and Yields co-founder, Jos, joins us to unravel the complexities of AI risk management in our latest podcast episode. Explore Jos's insightful journey from the demanding fields of mathematical modelling to spearheading advanced solutions for AI reliability in production. We dive into how Yields has secured its place as a leader in this space, thanks to accolades like the Risknet Model Validation Award, and how it's successfully transitioned from focusing on investment banking to addressing AI-related challenges across various sectors.Understanding and managing its risks becomes imperative as AI continues to permeate industries worldwide. In our conversation, Jos shares how Yields guides companies through the evolving regulatory landscapes, such as the EU AI Act, to ensure strong AI governance. With practical examples, including a case from the healthcare sector, Jos illustrates how Yields' software aids organizations in mitigating AI risks. This episode is a treasure trove for fintech enthusiasts and anyone keen on the critical intersection of AI and risk management. Tune in for a compelling discussion that blends technical insight with real-world applications.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
What are the secrets behind skyrocketing sales in the fintech world? Join us for a thrilling conversation with James and Richard from Humble Technology as they unlock the mysteries of scaling sales in the ever-evolving fintech landscape. You'll hear firsthand from James about his incredible journey from a successful project at ICAP to launching Humble Technology and learn how a world-class product and strategy are just the beginning. Richard, with his vast experience in financial services and consulting, sheds light on a crucial yet often neglected aspect of fintech success: a robust sales engine. Together, they introduce us to the MEDDPICC methodology, a cornerstone of their approach that deciphers why deals triumph or falter.Navigate the complex terrain of B2B sales with the MEDDPICC framework as your compass. Discover how this strategic tool ensures sales teams stay sharp and pipelines remain robust, especially when venturing into unfamiliar markets. We explore the stark contrasts between B2B and B2C sales and why MEDDPICC is your go-to for intricate, long-cycle enterprise deals. Facing the challenge of entering new markets with low brand recognition? James and Richard offer insights into aligning sales efforts with strategic goals to fuel growth and success, proving that with the right approach, even the toughest markets can be conquered. Tune in and transform your sales strategy with the invaluable wisdom of our guests.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
On our latest episode of the Connector podcast, business transformation director Bastien from Dataiku joins us live from Brussels to unravel the evolving landscape of data and AI initiatives. Whether you're a coding expert or prefer a more visual approach, Bastien demonstrates how Dataiku's groundbreaking platform redefines collaboration between data specialists and business professionals. Discover how this unique synergy simplifies the data science process and enhances transparency and trust throughout the AI project lifecycle. With over 600 global clients, including major players like BNP Paribas and Morgan Stanley, DataIQ is leading the charge in preparing organizations for upcoming regulations like the Data Governance Act.Tune in as we explore the profound impact of data collaboration within cross-functional teams and how Dataiku's tools are accelerating and amplifying AI initiatives across various industries. Bastien provides an insightful look into the company's substantial influence in the banking and insurance sectors while also shining a light on their ventures beyond finance. Learn how the platform bridges the gap between AI builders and consumers, enabling businesses to monetize their data and achieve unprecedented scalability in the fast-paced fintech environment. This episode is packed with insights that could transform how your organization leverages its data assets for innovation and efficiency.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
Baiba Rosenberg, the head of startups at MBH FinTech Lab in Hungary, joins us to navigate the transformative currents reshaping the fintech world. Get the inside track on how AI is not just a buzzword but a catalyst for change, redefining customer support to be more personal and data-driven without losing the essential human touch. From the intriguing discussions at Singapore FinTech Week, where quantum computing is emerging as the next tech frontier, to understanding how regulatory developments like PSD2 and PSD3 are recalibrating the fintech landscape, this episode is your guide to the future of finance. We promise insights that will have you rethinking the balance between natural and artificial intelligence and the impact of AI on jobs, education, and training.From facial recognition ATMs in Asia to the rise of contactless payments, explore how generational divides are influencing banking technologies. Discover why Gen Z is steering clear of banks and how fintech companies are ingeniously merging digital wallets with physical cards. We also shine a light on the critical role of fintech innovation labs that partner with banks and universities, creating a robust ecosystem where innovation meets practical application. Plus, we open the door to opportunities in the Hungarian market for startups seeking early-stage funding. This is your chance to engage with the Hungarian FinTech Association and tap into a burgeoning market. Don't miss this opportunity to stay ahead in the fast-paced world of fintech.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
Join us for an enlightening exploration into the world of fintech with Aaron from Digital Jersey, as we uncover the transformative innovations reshaping Jersey's financial landscape. Discover how this small island is making big waves in the tech industry, with initiatives like comprehensive 5G and one-gig fiber connectivity attracting cutting-edge firms and startups. We'll spotlight Moneybrain, the visionary digital currency company that's breaking ground with Jersey's first digital bank and the innovative digital pound. Their pioneering approach in decentralized banking, supported by real-world asset-backed stablecoins, is empowering consumers with more equitable financial choices.Our conversation with Aaron further unveils the exciting realm of fintech compliance with Dayzium, a startup revolutionizing domicile requirement management for the affluent. Through engaging dialogue, we highlight the latest fintech trends and innovations that promise to shape the future of finance. Aaron's expert insights offer valuable learning moments, promising to enrich your understanding of this dynamic field. Tune in and stay connected as we express our gratitude for Aaron's contributions and continue to bring you riveting discussions and updates in the world of fintech.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
What if you discovered that the epicentre of fintech innovation isn't just in London? Today, we're thrilled to welcome back Laure Hindin, also known as Laure, the Senior Trade Advisor at the British Embassy in Brussels. Laure shares her expertise on the dynamic UK fintech scene that extends its influence beyond the capital, flourishing in regions like Scotland, Wales, and Northern Ireland. Laure's passion for highlighting the UK's fintech prowess shines through as she discusses how this vibrant sector, spawning 27 fintech unicorns and contributing around £11 billion to the economy, is revolutionizing the global market.Prepare for an engaging session as we discuss the UK's strategic presence at the DFS event in Brussels. Laure introduces us to five remarkable UK fintech companies making waves internationally: Blink Parametric, Encompass Corporation, Flexis, MDOTM, and Petilia. These innovative companies span a variety of niches, from insurtech to AI analytics, each offering cutting-edge solutions and representing the diverse landscape of UK fintech. Join us to explore the stories behind these companies and how they're poised to reshape the fintech arena globally.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
Unlock the future of payment technology with Nathalie and Claire from Worldline as they share groundbreaking insights on our latest Connector Podcast, recorded live from the DFS Digital Finance Summit in Brussels 2024. Ever wondered how a leader in transaction services like Worldline is shaping the payment industry's evolution? Discover how they are pioneering the integration of emerging technologies such as blockchain and digital wallets to meet the surging demand for digital and contactless payments. Join us as we uncover Worldline's strategic partnerships with fintechs and their substantial investment in research and development, which keeps them at the cutting edge of payment solutions. Explore how their commitment to innovation, security, and sustainability is transforming services for merchants and the financial industry, with a particular focus on Belgium. With initiatives like secure QR code transactions and a proactive move to cloud technology, Nathalie and Claire reveal how Worldline is redefining the customer experience for a seamless and secure future.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
Can the secret to thriving in the fintech industry lie in data quality and resilience? Andreas, the founder of theScreener, thinks so. In a riveting conversation, he shares his journey from the tumultuous days of the dot-com boom to establishing a pioneering fintech company. He explains how The Screener sets itself apart by focusing on precise, twice-weekly data updates, catering exclusively to banks and financial institutions. This episode promises insights into how data simplicity and accuracy empower investors to make well-informed decisions amidst ever-changing market conditions.We also explore the critical factors influencing equity prices, such as analyst opinions, market trends, and fundamental pricing, and discuss how advanced algorithms can provide a competitive edge. Listen to Andreas as he addresses the challenges private wealth managers face who must navigate a world with abundant information. Discover how The Screener, with its Swiss roots and global vision, is poised for future growth by harnessing the transformative potential of AI, offering a potent mix of technology and strategy to meet diverse market needs.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
Step into the fascinating fintech universe with Joachim Krüger, a visionary entrepreneur whose journey from existential musings in academia to trailblazing innovations in digital payments is nothing short of captivating. Inspired by the groundbreaking launch of the iPad by Steve Jobs, Joachim's pioneering concept of transforming tablets into mobile cash registers catalyzed his venture into the payments industry. Despite the hurdles of hardware integration, this visionary pursuit birthed the mobile payment solution mCash, now known as Vips. His adventures don't stop there; Joachim's tale of building an "Uber for trucks" unveils the multifaceted challenges of financing solutions for small and medium-sized enterprises, painting a vivid picture of fintech's intricate landscape.As we delve deeper into the transformative power of fintech, our conversation shifts focus to reimagining traditional banking products for the modern B2B landscape. Explore the parallels with the "buy now, pay later" movement in consumer finance and the critical role of banking partnerships in facilitating seamless cross-border transactions. We uncover small businesses' nuanced challenges, particularly in managing currency exchanges and the essential role of global partnerships with institutions like Santander and Allianz. These collaborations are instrumental in providing robust solutions catering to local and international markets, spanning Norway, the UK, Sweden, and the US.Finally, navigate the strategic expansion of fintech solutions across continents, from tech-forward collaborations in Norway to overcoming the legacy systems of the UK. Witness the adaptation strategies for the US market, where cultural payment preferences and time zone logistics demand innovation and flexibility. Discover how open banking, CBDCs, and AI are reshaping the B2B payment landscape, enhancing transaction efficiency while addressing the risks of fraud and identity verification. The episode culminates with a focus on the importance of intuitive digital solutions that align with internal company policies, hinting at a future where payment systems are as seamless as they are sophisticated.Thank you for tuning into our podcast about global trends in the FinTech industry.Check out our podcast channel.Learn more about The Connector. Follow us on LinkedIn.CheersKoen Vanderhoydonkkoen.vanderhoydonk@jointheconnector.com#FinTech #RegTech #Scaleup #WealthTech
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