The Global Digital Banker podcast

In Season 4, Episode 2 of the Global Digital Banker Podcast, RFI Global's Kate Wilson discusses the exciting role embedded finance plays in today's banking ecosystem, and what the future holds for Railsbank, with COO, APAC Ben Smith.   Subscribe to our RFI Global channel and get notified when we have new episodes: https://youtu.be/M7lpAK6Itao  Connect with Ben Smith on LinkedIn: https://www.linkedin.com/in/bensmithprofile/  Connect with Anna Shaw on LinkedIn:  https://www.linkedin.com/in/anna-perera-shaw-966530129/  Connect with Kate Wilson on LinkedIn: https://www.linkedin.com/in/kate-wilson-5448667b/    To learn more about RFI Global, visit: https://rfi.global/

In Season 4, Episode 1 of the Global Digital Banker Podcast, RFI Global's Anna Shaw sat down with Volt Bank's CEO and Founder, Steve Weston. In this short session they discuss his extensive experience of the banking industry, innovation and the history of Volt Bank and what's next.   Subscribe to our RFI Global channel and get notified when we have new episodes. Connect with Steve Weston on LinkedIn:  https://www.linkedin.com/in/steve-weston-b5102166/  Connect with Anna Shaw on LinkedIn:  https://www.linkedin.com/in/anna-perera-shaw-966530129/  Connect with Kate Wilson on LinkedIn:  https://www.linkedin.com/in/kate-wilson-5448667b/   To learn more about RFI Global, visit: https://rfi.global/  

In the Season 3 Finale of the podcast Kate and Anna are joined by Mark Schultz, Amit Khan and Hubert Petka, the Global Heads of Product at RFI Global to take a look back at what the most noticeable changes have been in the last 12 months and what they predict to see in 2022.

In this week's episode, Kate Wilson speaks to FIS' Head of Banking Solutions APAC, Adrian Toynton, to get his thoughts on the accelerated digitialisation of the banking sector as a result of the pandemic. With a focus on Core Platform Modernisation and Cloud Migration, this chat dives into the tech powering big banks, the need for banks to address their aging core systems as a priority and what the future holds for the industry in ANZ. FIS Report: https://empower1.fisglobal.com/digitalization-and-cloud-migration.html?utm_campaign=BS_LBGL_MB_PM_TPP_RFI_DEC2021_WP_BANKMODERNIZATIONRFI%5bT

In this weeks episode we look back to the Australian Banking Innovation Summit where Anna Shaw has a fireside chat with Dominic Pym, Co-Founder of Up Bank. They discuss how Up's goals to be the number one bank in the industry and what PFM tools they have available for their customers that keep them as a main competitor in the Australian Market.

A customer first mantra often exists in financial institutions as it's the most effective way to grow revenue. Yet, customers are still feeling undervalued When competition is prioritised over retention, and competition is intense, retaining customers is challenging. With the pandemic accelerating the adoption of digital channels, how are banks going to ensure their customers continue to feel valued?   Download Report Now: https://campaigns.rfigroup.com/pegareport/ 

Hosts:  Kate Wilson and Anna Shaw - RFi Group   Producer:  Taylor Henderson - RFi Group

Hosts:  Kate Wilson - Research Director & Deputy GM - RFi Group  Anna Shaw - Head of Client Insights - RFi Group   With Guest:  Kristy Duncan - CEO & Founder - Women in Payments   Produced By:  Taylor Henderson - Marketing Manager - RFi Group

Join Anna Shaw and Kate Wilson as they discuss financial wellness and inclusion. Joined by Mariko Braswell from Move78 and Dr. Vinita Godinho from Financial Resilience Australia as they discuss the challenges that generations are facing with their financial wellbeing. They discuss their partnership to create the APAC Financial Wellness Initiative as well as their global alliances.    Hosts:  Anna Shaw - Head of Client Insights. RFi Group Kate Wilson - Research Director and Deputy GM AUNZ, RFi Group   Producer:  Taylor Henderson - Marketing Manager, RFi Group

Season 3 is kicking off with our new hosts Kate Wilson and Anna Shaw!   

In this episode, we discuss: Jill's career journey to date, and main function and key priorities Visa Her perspective on the impact of C19 on financial services and what Visa is doing to support customers The impacts of the shift to digital/ contactless/ online/ mobile during the C19 pandemic, is this a temporary or sustained trend? Her passion for fintech, diversity and women working in this field

In this episode, we discuss:   Andy's new role and remit leading Home Ownership at NAB The biggest challenges in the current environment – impacts of Covid-19 and a challenged economy How digital is taking precedence as a ‘by default' servicing channel for Home Lending

This episode is focused on the 2020 Paris Fintech Forum, held on the 28th and 29th of January. At this years' event there were over 2,700 attendees and out of the 330 speakers across the two days, 300 of those were CEO level. In between the many sessions at the event I managed to speak with a number of new and emerging fintechs from across the European landscape as well as the events' founder, Laurent Nizri to talk about all of the exciting takeouts from this years' conference. Guests include: Laurent Nizri, Founder, Paris Fintech Forum; Stefano Vaccino, Founder, Yapily; Délber Lage, CEO, SalaryFits; Christian Thisted, COO, CreditStretcher In this episode we discuss: - Investments and overcoming the challenges associated with funding rounds - Monetisation of open banking - Trends in the fintech and banking ecosystems from around the world - The intersection of fintech and social impact - Push payments and QR codes - Future of insurtech and wealthtech The Global Digital Banker is an insight-backed podcast series focused on key trends, market insights, thought leadership and best practice within the fast growing and dynamic world of digital banking. www.globaldigitalbanker.com

I caught up with Jim Marous, co-publisher of The Financial Brand, publisher of the Digital Banking Report and one of the top 5 most influential people in banking globally.   In this episode, we discuss:   - Banking transformed - the seamless integration of data and advanced analytics - New technology and new leadership thinking - The extent to which consumers are embracing rapid change  - The importance of personalisation and proactive thinking  - What relationship management will look like in the future - The reasons behind the disparity of trust between GIG economy services and new FS services  - The biggest trends in banking for 2020    The Global Digital Banker is an insight-backed podcast series focused on key trends, market insights, thought leadership and best practice within the fast growing and dynamic world of digital banking. www.globaldigitalbanker.com

I caught up with Jerome Albus, Regional Director - France and Benelux at Tink to discuss the organisations' expansion throughout Europe.   In this episode, we discuss:   - Tink's expansion into France - The competitive landscape in the French market - Tink's greatest impacts and contributions to banks in France - Challenges faced thus far and how Tink have overcome these  - API's and open data management - Use cases and customer feedback - Advice when launching in new markets The Global Digital Banker is an insight-backed podcast series focused on key trends, market insights, thought leadership and best practice within the fast growing and dynamic world of digital banking. www.globaldigitalbanker.com

I caught up with Eamonn Carey, Managing Director at Techstars UK to learn about the ins & outs of London's startup ecosystem.   In this episode, we discuss:   - The most interesting start-ups in London right now - The key hurdles for businesses to look out - The three biggest problems that businesses face as at 2019 and how to address them - The most important questions to ask when hiring new talent - The key traits that Techstars look for in founders and how to make your application truly stand out - The types of funding available & how to identify the most suitable choice for your business - The differences in approach between seed rounds to series C and beyond - The right time to appoint an Advisory Board & the best way to approach the conversation - Some recent case studies from across the market and businesses to watch The Global Digital Banker is an insight-backed podcast series focused on key trends, market insights, thought leadership and best practice within the fast growing and dynamic world of digital banking. www.globaldigitalbanker.com

I caught up with Robert Bell, CEO at 86 400 to learn about how they have already begun to drive open banking innovation in Australia.   In this episode, we discuss:   - The ways that 86 400 is helping consumers take control of their finances  - The essential feature to a winning PFM tool - The future of customer data usage in Australia - How 86400 is leveraging learnings from Open Banking and PSD2 for success in the Australian market - The future of paid consumer banking products and services - The two most important tracking metrics that 86 400 swear by - The experience of switching role from an incumbent bank to a challenger bank     The Global Digital Banker is an insight-backed podcast series focused on key trends, market insights, thought leadership and best practice within the fast growing and dynamic world of digital banking. www.globaldigitalbanker.com

I caught up with Laurent Nizri, CEO & Founder of the Paris Fintech Forum to talk about the diverse European fintech landscape, PSD2 regulation, innovation beyond banking and the future of customer data sharing across banks and retailers. Laurent also shares some exciting news and speaker announcements for the upcoming Paris Fintech Forum in January 2020. The Global Digital Banker is an insight-backed podcast series focused on key trends, market insights, thought leadership and best practice within the fast growing and dynamic world of digital banking. www.globaldigitalbanker.com

This years' Sibos event was titled “Thriving in a hyper-connected world,” recognising the growth opportunities available from digital technologies to initiate new platforms, value propositions and business models. As we enter this new digital era powered by APIs, we also enter an era of consumer consent and data compliance.  I caught up with Tony McLaughlin, Head of Emerging Payments at Citi to talk about the push back on Strong Customer Authentication (SCA), how merchants can overcome sales related friction factors once live and how to address two factor authentication for vulnerable customers, who should own digital customer identity with some case studies from around the globe, how the industry is tracking with the monetisation of Open Banking as well as the announcement of Citi's new API's looking to address this. The Global Digital Banker is an insight-backed podcast series focused on key trends, market insights, thought leadership and best practice within the fast growing and dynamic world of digital banking. www.globaldigitalbanker.com

In this episode, James Gibson, Senior Product Director at Revolut shares the catalyst behind Revolut's new free business offering, the telco that inspired the offering, learnings applied from the retail bank as well as Revolut's winning business account features and the exciting new value added services that you can expect to see rolled out later this year. The Global Digital Banker is an insight-backed podcast series focused on key trends, market insights, thought leadership and best practice within the fast growing and dynamic world of digital banking. www.globaldigitalbanker.com

This week we head north and take a look at the SME banking landscape in Canada. I caught up with Michael Denham, President & CEO of Business Development Bank of Canada who shared what it means to be the only bank in Canada that truly focuses on entrepreneurs, the biggest pain points experienced by Canada entrepreneurs and the growing importance of personalisation in the sme banking sector. The Global Digital Banker is an insight-backed podcast series focused on key trends, market insights, thought leadership and best practice within the fast growing and dynamic world of digital banking. www.globaldigitalbanker.com

This week we take a look at open platform banking in the US and explore the opportunities for banks and fintechs alike. Guests include Imran Haider, Head of Open Banking at Wells Fargo and Susan French, Head of Product for BBVA Open Platform in the US. Kicking off, Imran shares the journey at Wells Fargo since launching the platform back in 2016, how they're enabling 24 hour customer control and consent through their ‘control tower' service and the biggest benefits to be gained by commercial and retail banks. Up next, Susan explains the objectives behind the launch of BBVA Open Platform, how they're driving bank distribution through the offering and the types of businesses that will benefit the most from partnering with them. The Global Digital Banker is an insight-backed podcast series focused on key trends, market insights, thought leadership and best practice within the fast growing and dynamic world of digital banking. www.globaldigitalbanker.com

This month we have an exciting two part Money 20/20 Europe special covering several of the thought leaders from the recent event in Amsterdam. In this weeks' episode we caught up with Jim Wadsworth, SVP Open Banking, Mastercard who shared the exciting news around their new open banking solution, their real time validation of third parties for banking partnerships and his predictions for the year ahead. Dan Phelps, Chief Digital Architect, Travelex shares the journey behind Travelex's 4 year digital transformation and the catalyst to the changes, the challenges faced along the way, how to minimise risk when investing in innovation and what technology they will be investing in next. The Global Digital Banker is an insight-backed podcast series focused on key trends, market insights, thought leadership and best practice within the fast growing and dynamic world of digital banking. www.globaldigitalbanker.com

This month we have an exciting two part Money 20/20 Europe special covering several of the thought leaders from the recent event in Amsterdam. In this weeks' episode we caught up with Des McDaid, Managing Director – Marcus at Goldman Sachs UK details the success story behind reaching over a quarter of a million user accounts within the first 8 months of operations, how they are standing out from other savings accounts in the market and what other products Marcus is looking to launch next. Josh Bottomley, Global Head of Digital at HSBC explains their cloud first strategy across digital innovation, a big bank perspective on how to successfully roll out new technologies across the institution and the fintech partnerships that HSBC are looking into at the moment. Bill Gajda, SVP Innovation and Strategic Partnerships at Visa shares some exciting news around a new proposition for the fintech community, feedback from fintech partners so far and identifies the biggest opportunities in payments for the year ahead to look out for. The Global Digital Banker is an insight-backed podcast series focused on key trends, market insights, thought leadership and best practice within the fast growing and dynamic world of digital banking. www.globaldigitalbanker.com

This week we share interviews from Innovate Finance Global Summit with some of UK's big challengers. Ryan shares an exciting new SME offering, Jaidev shares the continued growth story of Zopa and dates around the launch of their full banking license and Eric who announces some very exciting news around a new partnership with a big global player. Guests include: Ryan Edwards-Pritchard, Managing Director, Funding Options Jaidev Janardana, CEO & Board Member, Zopa Eric Mouilleron, Founder & CEO, Bankable

In this week's episode, we caught up with Benoît LeGrand, Chief Innovation Officer at ING & CEO of ING Ventures to discuss all things innovation. Benoît shares the key to how ING delivers game-changing innovation, how to identify true value in partnerships, how to deploy a culture of innovation throughout a large organisation and which of the emerging technologies ING will be investing in for the year ahead.          

This week we caught up with some of the key business and payments thought leaders in the Canadian market to discuss all things cross channel innovation, real time payments tracking and the rise of the shared economy. Our guests include Tracy Black, Executive Director - Modernization at Payments Canada; Jason Charlebois, SVP Small Business Scotiabank and Paul Parisi, President at Paypal Canada.

  This week we caught up with some of the keynote speakers from the Women in Payments Symposium in London to discuss all things payments across disruption, innovation, regulation, customer experience and corporate leadership. Our guests include Charlotte Duerden, UK Country Manager at American Express; Jackie Keogh, Senior Vice President, Western Union Business Solutions; Lisa Neary, Head of Payment Schemes and Transformation at The Co-operative Bank and Kristy Duncan, CEO and Founder of Women in Payments. The Global Digital Banker is an insight-backed podcast series focused on key trends, market insights, thought leadership and best practice within the fast growing and dynamic world of digital banking. www.globaldigitalbanker.com

This week we focus on Trust, simplicity and transparency as a winning recipe for home lending. Guests include: Gerald Ferguson, Managing Director – Asia Pacific, RFi Group; Katherine Bray, MD Customer Engagement at ANZ; Angus Gilfillan, EGM Consumer Lending at National Australia Bank and Andy Rigg, Deputy CEO at Xinja. Gerald shares the data behind consumer trust within the market, the impacts of digital on how consumers search for loans, the importance of the broker channel and the future of the MFI. Katherine shares the biggest shifts in customer expectations from the past year, predictions for year ahead and the impact of CCR on responsible lending. Angus explains the importance of the transactional banking relationship along with the impacts and opportunities from changing regulation. Andy details innovation and simplicity in home lending and potential opportunities from open banking in Australia. The Global Digital Banker is an insight-backed podcast series focused on key trends, market insights, thought leadership and best practice within the fast growing and dynamic world of digital banking. www.globaldigitalbanker.com

This week, we caught up with Ed Maslaveckas, CEO and Co-Founder of Bud to discuss their plans off the back of their recent funding round, how they identify which partnerships will add true value to clients, trends around their consumer data and ways to approach external investment with minimal scarring. The Global Digital Banker is an insight-backed podcast series focused on key trends, market insights, thought leadership and best practice within the fast growing and dynamic world of digital banking. www.globaldigitalbanker.com

This week is all about SME and business banking across the UK and Europe. February 27th marked the Global Business Banking Summit in London entitled “An awakened focus on the business customer'. Our team was on the ground to be able to now share key insights, themes and case studies from the event with you. Guests include: Andy Booth, Managing Director, Business Banking at Barclays; Julie Baker, Head of Enterprise and Community Finance at RBS; Melinda Roylett, Head of Europe for Square; Stuart Doignie, Head of SME Banking at Starling Bank; and Mark Bernhardi, General Manager APAC at nCino. The Global Digital Banker is an insight-backed podcast series focused on key trends, market insights, thought leadership and best practice within the fast growing and dynamic world of digital banking. www.globaldigitalbanker.com

This week we take at look at how heightened customer expectations are really driving Buy Now Pay Later (BNPL) services across the Australian and New Zealand Markets. Guests include Tommy Mermelshtayn, Chief Strategy Officer at Zip Money and Kate Wilson, Research Director – Australia and New Zealand at RFi Group. Tommy shares an overview of the BNPL landscape, ZipMoney's customer centric approach, the impacts of regulation on the market, how they differentiate themselves and what they have planned for the near future. Kate shares data and insights into the trends within the BNPL space across awareness, usage, demographic variances, channel usage and satisfaction as well as the needs gap behind BNPL services and predictions around whether or not BNPL will displace other credit services available to consumers. The Global Digital Banker is an insight-backed podcast series focused on key trends, market insights, thought leadership and best practice within the fast growing and dynamic world of digital banking. www.globaldigitalbanker.com

This week, we caught up with Joel Perlman, Co-Founder, Oaknorth and currently the organisation behind Europe's largest fintech funding round to date. Joel shared the exciting news around their recent investment round, their journey to profitability, challenges and opportunities experienced along the way, their expansion plans for the US and how he has seen the SME lending space develop since inception. The Global Digital Banker is an insight-backed podcast series focused on key trends, market insights, thought leadership and best practice within the fast growing and dynamic world of digital banking. www.globaldigitalbanker.com

This weeks' episode features an interview from Finnovate Europe where we were joined by Jim Marous, one of the most influential people in banking, a top 5 fintech influencer, co-publisher of The Financial Brand and owner and publisher of the Global Digital Banking Report. Key themes include: Banking & FS trends for 2019 Quick wins - how to utilise data & analytics to drive stronger customer engagement The definition of good customer experience What consumers really want to know from their banks How to build a successful digital-only bank - learnings from banking giants such as DBS and BBVA Addressing concerns around human displacement to overcome barriers to innovation Fostering a culture of ‘embracing change, taking risks and disrupting yourself' The Global Digital Banker is an insight-backed podcast series focused on key trends, market insights, thought leadership and best practice within the fast growing and dynamic world of digital banking. www.globaldigitalbanker.com  

This week's focus is on technology across AI and personalisation. Guests include Nathan Snell, Chief Innovation Officer, nCino and Todd Copeland, SVP and Head of Digital Channels at TD Bank Nathan explains how to best identify types of AI investment for various institutions, the barriers to adopting technology and system integration and how to structure a strong AI strategy. Todd shares the importance of personalisation for banking customers, the shifting dynamics between big bank and fintech partnerships and their goals for further implementation down the road. The Global Digital Banker is an insight-backed podcast series focused on key trends, market insights, thought leadership and best practice within the fast growing and dynamic world of digital banking. www.globaldigitalbanker.com

In today's episode, Sarah Hollinshead catches up with David Goldin, Founder, President & CEO at Capify to discuss their recent funding from Goldman Sachs, their growth plans off the back of the investment, shifts in alternative lender awareness and where David sees the SME finance industry moving in the future. The Global Digital Banker is an insight-backed podcast series focused on key trends, market insights, thought leadership and best practice within the fast growing and dynamic world of digital banking. www.globaldigitalbanker.com  

In this weeks' episode I caught up with George Chesakov, Head of New Ecosystem Products and CEO of Tinkoff Mobile for Tinkoff Bank in Russia. We discussed the incredible success story of Tinkoff Bank and how they went from humble beginnings as a direct mail credit card company, to becoming the world's largest fully-online bank by customer base. The Global Digital Banker is an insight-backed podcast series focused on key trends, market insights, thought leadership and best practice within the fast growing and dynamic world of digital banking. www.globaldigitalbanker.com  

In this special edition episode we take a look at the biggest trends in banking and financial services from 2018 and share insights and predictions for the year ahead! Our guests include our very own Victoria Bateman, General Manager – EMEA for a western markets perspective and Gerald Ferguson, General Manager – Asia Pacific for an eastern markets perspective who will discuss retail and commercial trends across digital, technology, data, trust, regulation, bank and fintech partnerships, payments, channel trends and much, much more. The Global Digital Banker is an insight-backed podcast series focused on key trends, market insights, thought leadership and best practice within the fast growing and dynamic world of digital banking. www.globaldigitalbanker.com 

Recent research from RFi Group shows that 30% of businesses in the UK are likely to switch their primary domestic banking relationship within the next 12 months. As such, for this weeks' episode we caught up with Richard Davies, Commercial Banking Director at TSB Bank and Oliver Prill, Chief Executive Officer at Tide Fintech to discuss how open banking is redefining the SME & Commercial Banking Proposition across the UK, as well as drivers to remaining competitive in the digital market, partnerships and some great examples of customer acquisition strategies that work! For those who would like to discover more insights in this space, don't miss our upcoming Global Business Banking Summit, being held on the 27th February in London. The Global Digital Banker is an insight-backed podcast series focused on key trends, market insights, thought leadership and best practice within the fast growing and dynamic world of digital banking. www.globaldigitalbanker.com