The Connector.

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 all—brace 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

Join us for an insightful conversation with Ana-Maria Georgescu from Smart Fintech, recorded at the Milan Fintech Summit for the European Digital Finance Association (EDFA). Discover how Anna transitioned from a non-technical background to becoming a prominent tech industry figure, starting her journey at IT Smart Systems in Romania. Her career reached a pivotal moment when she co-founded Smart Fintech, inspired by the PSD2 Open Banking Directive. Anna's story is a testament to perseverance and ambition, highlighting her evolution from an intrapreneur to a co-founder as she embraced new opportunities in the rapidly evolving tech landscape.Explore the path of Smart Fintech since its inception in 2019 as Anna shares the challenges and triumphs of securing an open banking license in Romania. Learn about their strategic focus on the Romanian market and the innovations in open banking services, including the launch of payment solutions in e-commerce in 2024. We look ahead to the future of open banking, discussing the role of customer-centric products, self-sovereign identity, and digital wallets in building trust and security. This episode offers a fascinating glimpse into the controlled approach needed for open data, blending technical prowess with financial foresight.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 world of crypto compliance with Lukasz Lukaszewski, the Chief Product Officer at ChainComply, as he demystifies the complexities banks face when dealing with crypto assets. Discover how ChainComply is revolutionizing the transfer of crypto wealth to bank accounts by harnessing existing data tools to streamline processes. Learn how the Markets in Crypto-Assets (MiCA) regulation pushes banks to reassess their risk management strategies and technology adoption to ensure seamless crypto transactions. Lukas shares his expert insights on how these changes can transform the landscape, making crypto a practical tool for payments and automated services.ChainComply is helping financial institutions modernize and digitalize their operations to meet regulatory demands. Lukasz highlights the potential for blockchain to evolve beyond mere speculation, stepping into roles that offer innovative payment solutions. Whether you're a seasoned financial professional, a curious crypto enthusiast, or someone intrigued by the future of finance, this conversation promises valuable insights into navigating the new regulatory environment.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 secrets to navigating the future of fintech with Marissa from Performativ and DORAedge on the Connector podcast. Gain valuable insights into how emerging technologies transform wealth management and regulatory compliance, especially in light of the upcoming Digital Operational Resilience Act (DORA). Discover how Performative pushes the boundaries with DORAedge, a groundbreaking tool engineered to support financial entities in meeting DORA's rigorous standards. Join us for an enlightening discussion as Marissa explains how DORAedge simplifies mapping an organization's supply chain and managing contractual agreements, ensuring seamless risk identification and compliance reporting. From understanding the proportionality principle to categorizing micro-enterprises, Marissa breaks down what DORA means for smaller financial entities. Whether you're an independent wealth manager or part of a larger institution, this episode offers indispensable strategies to fortify your digital operational resilience and governance. Don't miss this opportunity to bridge the gap between technology and regulation in the 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

Prepare to be inspired as Henrik, the mastermind behind PixelPai, shares his transformative vision for the financial industry. Imagine a financial ecosystem free from scams, where transparency and audibility reign supreme. That's the promise of the "Finternet," a concept Henrik is turning into reality with PixelPi's cutting-edge platform. Discover how distributed ledger technology—beyond just blockchain—is revolutionizing identity management, payments, and digital assets and why this matters for the future of finance.Navigate the regulatory maze with us as Henrik dives into the complexities of blockchain-based business models and the crucial role PixelPai plays in helping creators stay compliant. From the nuances of converting between fiat and crypto to the implications of regulatory frameworks like MiCA, Henrik breaks down what you need to know. Learn about PixelPai's focus on the creator economy, especially in the gaming sector, and how it equips businesses to thrive in a new financial landscape. This episode is a must-listen for anyone keen on understanding the future of financial technology and 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

Have you ever wondered how cutting-edge technology is transforming agriculture? Join us at the Nordic Fintech Festival as we welcome Theodor, the visionary founder of AgroRisk, who is revolutionizing how farmers tackle climate change. Learn how AgroRisk utilizes satellite imagery and IoT data to monitor and predict the impact of extreme weather on individual fields. Theodor dives deep into how integrating data from harvesters and other IoT devices enhances their models, making farmers more resilient. We'll also explore how EU sustainability regulations shape farming and the readiness of younger and larger farms to embrace these innovations.But that's not all! Discover the game-changing potential of collaboration between the banking and agricultural sectors. We discuss the idea of a unified data lake that combines sensor data and weather statistics, helping farmers adapt their practices and reduce financial risks. Hear how banks like Crédit Agricole can use FinTech solutions to offer valuable insights and better financing options. Theodor shares his journey from a bureaucratic and corporate background to launching AgroRisk, emphasizing the importance of strategic partnerships in the FinTech industry. Don't miss this compelling episode packed with actionable insights and inspiring stories!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 fintech with insights from Sophia of Provenir, live from the Nordic Fintech Week in Copenhagen! Discover how a 20-year-old platform is revolutionizing fraud detection, credit risk assessment, and customer management—all in one seamless interface. Sophia not only shares the impressive history and capabilities of Provenir but also dives into the transformative role of AI in enhancing decision-making processes and providing critical insights into customer demographics.Curious about how AI can optimize your business strategies or how to effectively manage KYC, AML, and fraud risks? This episode covers it all, including the fascinating challenges posed by deepfakes in verifying customer identities. Tune in for a comprehensive look at how Provenir's platform serves as a central hub, integrating traditional banking systems and compliance protocols to offer a holistic view of customer creditworthiness. If you're passionate about the intersection of AI, fintech, and customer management, this is an episode you won't want to miss!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 wondered how a financial trading firm can transform into a leading technology solutions provider? On this episode of the Connector Podcast, we sit down with Lars, co-founder of Saxo Bank, who takes us through his riveting journey from the bank's inception in 1992 to his departure in 2018. Lars shares pivotal, often serendipitous, moments that shaped Saxo Bank's trajectory, including the need to build their own trading platform and the unexpected development of their successful white-label model. This episode offers a rare glimpse into the evolution of a hybrid financial and technology powerhouse.Moreover, Lars opens up about his post-Saxo Bank ventures, particularly his foray into blockchain technology. A visionary who invested in Bitcoin as early as 2011, Lars discusses the transformative potential of blockchain to address the limitations of centralized systems, especially within the financial sector. Despite having sold his Bitcoin too early, his enthusiasm for the technology remains undiminished. Tune in to hear Lars' expert insights on the slow yet promising development of blockchain and its future impact on the industry. This conversation is not to be missed for anyone interested in fintech innovation and the future of financial 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

Can Generative AI truly revolutionize the financial services industry? Join us for a captivating conversation with Martin from Microsoft, where we dive deep into the transformative power of AI. With his extensive background in banking and a key role in shaping AI strategy across the EMEA region, Martin shares unique insights on how AI is reshaping productivity for professionals on the move. From summarizing key communications and meeting notes to amplifying human capabilities, discover how AI saves time and empowers individuals to excel and embrace new challenges. Martin emphasizes the profound impact of AI beyond mere efficiency, showcasing its potential to enhance talent and redefine operational strategies within the financial sector.We tackle the pressing challenges and opportunities in adopting Generative AI, focusing on the critical aspects of mindset and change management. Learn about the importance of leveraging proven use cases that deliver tangible value and the significant training gap that hinders widespread AI adoption. Martin sheds light on the risks of "shadow AI," where employees resort to unapproved tools, and underscores the need for organizational support to ensure compliance and attract top talent. Hear how Microsoft navigates complex regional regulations, such as the EU AI Act, by establishing local data boundaries and maintaining robust relationships with European regulators. This episode is a must-listen for anyone eager to understand the future of AI in 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

How is AI reshaping the core of agile software development? Klemens Hjartar, senior partner and global technology leader at McKinsey joins us straight from Nordic Fintech Week in Copenhagen to unravel this transformative journey. Clemens dives into the fascinating fusion of AI and lean methodologies, shedding light on how these technologies drastically shorten development cycles and enhance product creation processes in large organizations. He doesn't hesitate to discuss the challenges of adopting such groundbreaking approaches, particularly in the rigorously regulated financial sector.Moreover, we explore the revolutionary potential of generative AI and its role in bridging the gap between technology and human adoption. Klemens highlights some of the latest AI innovations, including the new voice model from OpenAI and the surprising impact AI agents have on legacy software code bases. This episode offers invaluable insights for anyone eager to grasp the future of AI and its real-world applications, especially within financial institutions. It encourages a hands-on approach to understanding these technological advancements.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

Have you ever wondered how open banking is reshaping the financial landscape? Join the Connector Podcast as we bring together industry heavyweights Liesl McKay from BBD Software, Remco Timmerman of Rabobank, and Andrew de Prest of Exthand. Liesl sheds light on how innovative technology is resolving business challenges globally, Remco reveals Rabobank's pioneering strategies beyond regulatory requirements, and Andrew narrates Exthand's evolution into an open banking powerhouse. Together, they highlight the transformative opportunities open banking unlocks for fintechs, banks, and the broader financial ecosystem.In this episode, we tackle the intricate process of modernizing legacy banking systems without discarding valuable assets, thanks to BBD's cutting-edge approaches. We also discuss the customer-centric revolution brought about by open banking and embedded finance, making everyday financial interactions more seamless than ever. Lastly, we explore the powerful synergy between AI and open banking to deliver smarter financial advice and user experiences. APIs are spotlighted as the unsung heroes enabling these advancements, making this episode a must-listen for anyone interested in the future of banking.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 transformative power of artificial intelligence in wealth management with insights from Jean-Baptiste Deaux from Comarch! This episode promises to reveal how AI is revolutionizing the sector by enhancing decision-making, optimizing portfolios, and significantly automating tasks to boost efficiency and accuracy. Listen as Jean-Baptiste underscores AI's critical role in supporting advisors rather than replacing them, ensuring that the human touch remains paramount. Discover how recent regulations, like MiFID II and SFDR, are not just compliance hurdles but opportunities for innovation that can convert regulatory tasks into valuable data, ultimately leading to personalized investment advice. Stay tuned for our engaging chat with Jean-Baptiste Beaux from Comarch as he shares the latest developments shaking up the fintech world. This episode is packed with valuable insights you won't want to miss!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

Are you ready to revolutionize your approach to mortgages? In our latest episode, we sit down with Geert, OPER's visionary co-founder and CEO, to uncover the future of mortgage digitization. Geert takes us on a fascinating journey from his days as a management consultant to his current role in the fintech industry. We tackle the pressing issues of borrower anxiety, outdated reliance on paper documents, and stringent compliance demands. Geert reveals how OPER is reimagining the mortgage experience with a fully digital platform that still honours the human touch, significantly easing back-office workloads through cutting-edge technology.The conversation then shifts to the dynamic and ever-evolving European mortgage market, especially the role of Generative AI (Gen AI) and the daunting challenges of data privacy compliance. We delve into how high interest rates are pushing lenders towards more efficient, cost-effective solutions and examine the critical experimental phase of Gen AI. Geert emphasizes the importance of building robust control layers and maintaining human oversight to ensure these innovations are effective and compliant. We also get a sneak peek into the future of mortgage origination software, exploring advancements like guided sales, renovation advice, and automated underwriting decisions. Join us as we envision OPER's ambitious expansion across 27 European countries and redefine what's possible in the mortgage industry.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

Could understanding the intricate balance of management, coding, and legal expertise be the key to fintech success? Join us as we sit down with Robert, the dynamic founder and CEO of Paynovate, who has journeyed from studying business management, law, and computer programming to revolutionizing the electronic money sector. Robert opens up about his unique approach to juggling multiple roles and companies, sharing invaluable insights into time management and the critical importance of legal knowledge in business. We also get a glimpse into Robert's personal life and educational background, revealing the man behind the successful fintech entrepreneur.Building an international company is no small feat, but Robert's strategic vision makes it seem achievable. He discusses the importance of hiring English-speaking employees for seamless communication across borders and the thoughtful selection of technology stacks based on available talent. Navigating international regulations and compliance is no easy task, but Robert shares his experiences and the lessons learned from expanding Paynovate across different jurisdictions. Additionally, we introduce PenoVate, another innovative electronic money institution from Brussels, and delve into its unique services and regulatory framework.The future of payments is here, and Robert provides a forward-thinking perspective on trends like de-risking, instant payments, and the transition from cash to digital money accelerated by COVID-19. He explains how Paynovate caters to underserved sectors such as gambling and non-profit organizations, offering specialized financial solutions that traditional banks often overlook. We discuss the role of technology and innovation in these evolving services and the challenges of interoperability in international payments. Robert closes with insights on the potential of stablecoins and Central Bank Digital Currencies (CBDCs) to address these issues, leaving listeners with a provocative look at what's next for the fintech industry.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 secrets of cross-border financing in Europe with Keiu Kalaus, the brilliant Chief Product Officer at Mifundo. From her unexpected career pivot from a Spanish translator to a leading innovator in the financial sector, Keiu's journey is nothing short of inspiring. We dissect the barriers to cross-border lending within the EU, enriched by Keiu's personal anecdotes and her deep understanding of systemic financial challenges. Gain invaluable insights into Mifundo's groundbreaking solutions, designed to bridge the gap between customer needs and banking requirements. We delve into the nuts and bolts of Mifundo's mission. You'll find practical tips on time management and goal visualization that could revolutionize your business approach.As we look ahead, explore Mifundo's ambitious growth plans within Europe, powered by cutting-edge AI for credit scoring and bank-customer matchmaking. Hear about the development of AI-driven machine learning models that promise to transform financial services, all under the careful watch of human oversight. We also examine the impact of European funding, regulatory frameworks, and the exciting potential of user-owned credit bureaus. This episode paints a vivid picture of the future of cross-border lending, addressing the complexities of currency risk and the regulatory landscape. Join us to see how Mifundo shapes a seamless financial future for expats and beyond.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 blockchain technology could revolutionize corporate financial flows and save significant costs? In this episode, we promise you'll uncover the secrets behind this transformative potential with Patrick, a seasoned fintech expert. Patrick's unique journey, shaped by his bilingual upbringing in France and the Netherlands, has taken him from M&A advisory at ABN AMRO to entrepreneurial ventures in the fintech space, including his current role at Fipto. Hear firsthand how his role evolved from CFO to COO at iBanFirst, and the valuable lessons he learned about adaptability and problem-solving in the fast-paced world of startups.Building a global team can be challenging, but Patrick shares his strategies for success, including the practical application of OKRs (Objective Key Results). With a team of 30 senior experts from diverse regions such as Belgium, France, Portugal, and Israel, maintaining company culture and alignment is crucial. Discover how frequent team events and the strategic use of English as a common language support their international ambitions. Patrick offers invaluable advice to aspiring entrepreneurs, encouraging them to take the plunge and learn from their journey. Plus, get an introduction to Fipto's mission to enhance transparency, speed, and cost-efficiency in corporate financial flows using blockchain technology.Explore the future of financial services with insights into regulatory compliance under the evolving MICA framework and the significance of Central Bank Digital Currencies (CBDCs). Patrick discusses the challenges of on-ramping and off-ramping in regions like Latin America, Africa, and Asia, and the proactive regulatory environment in France that supports fintech growth. Learn about the cost-saving benefits of blockchain technology, especially in high-cost corridors, and the varying regulatory landscapes in emerging markets. We also delve into the growing influence of AI in the financial industry and its potential to enhance efficiency. This episode is packed with insights for anyone interested in the cutting-edge of fintech 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

Can sustainability and finance truly coexist without sacrificing one for the other? Find out as we sit down with Niels, the visionary co-founder and CEO of Matter, a Denmark-based fintech company revolutionizing sustainability data analytics. Niels' impressive journey from the United Nations to co-founding Matter provides a unique perspective on how to mobilize capital for sustainable development. Listen as he shares how Matter bridges the gap between financial performance and real-world impact, offering a comprehensive view that aligns with internationally recognized frameworks like the UNSDGs and the Global Compact. Unlike traditional ESG providers, Matter goes beyond assessing financial risks to understand the broader impact of companies on society and the environment. Niels explains how a combination of company-reported data, external information, and sentiment analysis delivers meaningful insights for institutional investors, asset managers, and pension funds. If you're passionate about the intersection of finance and sustainability, this episode is packed with valuable information on how innovative data analytics are paving the way for a more sustainable future. Tune in to hear how Matter's pioneering approach is setting new standards in assessing sustainability and real-world impact.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

Have you ever wondered how startups manage to scale successfully without falling apart? Join us as we welcome back Liesl from BBD, who shares invaluable insights into the transition from startup to scale-up, revealing the common pitfalls and how to navigate them. Liesl underscores the importance of moving beyond "just for now" technical decisions and adopting sustainable architectures and processes. Listen in to learn about conducting a comprehensive health check that delves into your solution's architecture, team dynamics, IT processes, chosen technologies, and user experience to ensure a smooth and successful transition.In the next segment, we focus on optimizing scale-ups for maximum efficiency. Through real-world journeys, we illustrate how initial ideas can transform into robust, scalable platforms. Discover the significance of smart architecture, cutting operational costs via cloud solutions, and maintaining high customer satisfaction by deeply understanding their needs. We also touch on emerging trends in cloud management, financial operations, and security, offering practical strategies to prepare your business for sustainable growth and cost efficiency in the cloud. Don't miss this episode packed with actionable insights for scaling your startup successfully!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

Have you ever wondered how cutting-edge technology can transform the financial landscape? In this episode of the Connector podcast, we bring you an exclusive conversation with Jean-Gabriel and Andrew from Exthand. They unravel the fascinating story of their company's rise from its inception in 2018 to becoming a pioneer in open banking solutions. Jean-Gabriel sheds light on their unique customer-operated cloud solution, ensuring top-notch data security and privacy. Andrew shares compelling client success stories, including collaborations with Treasury Intelligence Solutions and Swave, showcasing how Exthand's technology revolutionises cash management and contributes to local economies.Explore the intricacies of data standardization in open banking as Andrew takes us through the technological challenges and innovative solutions Exthand offers. With connections to over 2,300 banks, Exthand's role in maintaining consistent and valuable data is pivotal. We discuss the broad applicability of their customizable solutions across various industries and their ambitious plans for global expansion into key markets like the UK, Brazil, and India. Andrew also provides practical advice for FinTech enthusiasts and professionals on connecting with Exthand for infrastructure needs. Join us for an insightful episode packed with expert knowledge and future-forward visions in 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

Have you ever wondered how complex regulatory requirements can be transformed into user-friendly, visually appealing reports? Gain exclusive insights from Sinan Gabel, CEO and founder of Qvonto, and his partner Christian Lysholm, CCO, as they walk us through Qvonto's groundbreaking approach to simplifying regulatory reporting for clients in Luxembourg, Switzerland, and the Nordics. Discover how their end-to-end system manages everything from data transformation to generating high-quality reports, making compliance efficient and accessible. On our latest episode of the Connector Podcast, delve into the technical prowess behind Qvonto's solutions. Sinan and Christian explain the critical role of real-time data in maintaining the accuracy and relevance of their reports, ensuring that regulatory documents are compliant, easy to understand, and engaging to read. Learn how their system continuously monitors and updates reports, instantly adapting to underlying data changes. Don't miss this fascinating discussion on how Qvonto sets new benchmarks in the fintech and regulatory 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

Unlock the secrets of seamless digital identity in the EU with our latest conversation featuring Tom from itsme®. We venture into the realm of eIDAS 2.0, the regulation revolutionizing how we interact online. Prepare to be enlightened as Tom, with his expert knowledge, navigates the evolution of this critical legislation, from its origins to its latest enhancements. We dive into the nitty-gritty details of increased security, the push for consistent digital identity across member states, and the integral role of It's Me in this digital transformation.Get the inside scoop on how itsme® is pioneering the future of digital interactions, offering a tantalizing preview of the technology integrating into our everyday lives. From accessing government services to providing legally recognized digital signatures, understand how itsme® is not just keeping pace but setting the standard in the digital identity 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

Ever wondered how a simple pivot can redefine a company's destiny? That's exactly what Johannes from POM reveals as we explore the transformation of the invoice payment landscape on the Connector Podcast. Johannes takes us through the inception of POM, originally designed to ease the pain points of consumers managing their bills, to its strategic shift in 2017 which now serves the needs of businesses for expedited and accurate invoicing. This episode is a goldmine for anyone interested in the evolution of a fintech startup and the innovative solutions that come from persistence and adaptability.Join us as we converse about POM's current achievements, boasting around 2,500 customers, and their expansion across essential sectors. We also scrutinize the integration of artificial intelligence in POM's services and their recent partnership with Mail2Pay, which has been a game-changer since December 2022. This discussion is not just about fintech innovation; it's about how a company like POM is carving a niche in revolutionizing business transactions for happier customers and healthier bottom lines. Tune in for an inspiring journey through entrepreneurship, technology, and the power of a well-timed pivot.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