British entrepreneur (b. 1960)
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2 episodes with Anne Boden
2 episodes with Anne Boden
2 episodes with Anne Boden
3 episodes with Anne Boden
2 episodes with Anne Boden
This week on End Credits things get freaky... er. Not really. Things are plenty freaky without this week's new movie, which just so happens to be called Freaky Tales. This one features an actor so big that he now has a whole summer of movies dedicated to him, but like many actors he had humble beginnings on a massive HBO show about dragons. Let's dig in! This Wednesday, May 14, at 3 pm, Adam A. Donaldson and Candice Lepage will discuss: Game of Roles. This week's movie stars Pedro Pascal, and it officially kicks off what we're called "Pedro Summer"! Pascal's been a working actor for years, but he got his big break o Game of Thrones, and like a lot of members of that massive cast he was able to parlay that success into bigger roles in bigger projects. To kick off this week's show, we will talk about some of the actors that won the Game for Hollywood success! REVIEW: Freaky Tales (2025). May 10, 1987. The Golden State Warriors are in a playoff game against the L.A. Lakers, and all-star "Sleepy" Floyd has the best game any NBA player has ever had. These are things that actually happened, and they are among the many events that unfold in Freaky Tales, an action comedy anthology set in Oakland, from Oakland-born filmmakers Anne Boden and Ryan Fleck. The movie blends fact and fiction, fantasy and reality, but this week we'll answer the question: Is Freaky Tales good or is it bad? End Credits is on CFRU 93.3 fm and cfru.ca Wednesday at 3 pm.
At the Little Questions, we're always at the forefront of current events – whether that's the Great Fire of London or the Battle of Hastings, we're ready to chew the topical cud on all manner of things but, as ever, wearing our PR and comms hats. Today we're going to talk about: Whether corporations should dictate what words should and shouldn't be used? 1 in 3 would have ‘complete confidence' in AI handling crisis comms; 47% would be ‘somewhat confident'. Really? What does this mean for the comms and PR world? The corporate back-track. How to do it successfully. Marketing and comms joining forces, is it a trend? Anne Boden's comments on men in gilets holding too much influence in business. Proactive versus reactive; are we seeing less proactive PR campaigns? Have media teams become just reactive functions that issue statements on issues? Are we losing the creative edge? Is that a result of businesses becoming too risk averse? As ever, for you as a listener in the world of comms and beyond, we'll extract the lessons learnt from all these stories and deliver them in this episode of The Little Questions. Find out more about Apella Advisors at www.apellaadvisors.com and you can get in touch by emailingpodcast@apellaadvisors.com and if you enjoy this episode, please consider leaving us a review. Matt Young is an Apella Advisors partner with 25 years of experience in corporate affairs. He was Corporate Affairs Director at Lloyds Banking Group, part of the senior team which rescued the bank and rebuilt its reputation following the financial crisis. Formerly communications director at Santander UK and board member of the BBA. Experienced in corporate communications; public affairs and policy; regulatory affairs and risk; industrial relations; crisis and complex issues management; reputation turnarounds; campaigns, competition; and ESG. Former Head of Public Affairs and Public Policy at TSB Bank. Previously a Partner at a global communications agency and has worked in the media and politics. Andrew Brown is an Apella Advisors partner, a former Director of Communications and Public Affairs at Ageas Insurance. He has more than ten years' experience leading the corporate affairs functions for global firms across a range of regulated and unregulated sectors, developing considerable experience in issues, crisis and change management. Formerly Director of Communications at Drax Group plc and Group Corporate Affairs Director at Regus plc.
Liz Lumley and Kimberley Long discuss how fintech has changed in the past 10 years, where fintech hubs work best, how events can promote diversity better, and Starling Bank founder Anne Boden's new book which offers a playbook for female entrepreneurs. Hosted on Acast. See acast.com/privacy for more information.
“It's never too late and it's never too early” to launch a startup, according to the co-founder and co-CEO of Enfuce, the payment startup and one of Finland's biggest fintech.Monika Liikamaa, co-CEO & co-founder of Enfuce, was speaking along with Michaela Berglund, CEO and founder of Feminvest, an events and education platform for women which has also launched an €8.8 million fund to invest in Nordic startups which are majority owned by women.The pair discussed the dearth of female founders, female CEOs and females working in VCs- and its impact on the industry.Asked her thoughts on seeing headlines in the media denoting gender such as “female founder raises .... ” and “…… appoints first female CEO”, Liikamaa says she found the headlines “empowering”-as it shows women were achieving feats.That said, Liikamaa added:“Is it something that I would like it to be? No, it kind of alludes to a founder is a male. But that is the world we are living in and we need to change it. I hope, a couple of generations later, that would be seen as ridiculous."Liikamaa pointed to data showing companies with female directors outperforming those with male directors.She said women were partially to blame for the lack of female founders, as they hadn't explained well enough that women can be founders and have families as well.In the UK, Anne Boden, founder, Starling Bank; PensionBee founder and CEO Romi Savova; and Lisa Jacobs, CEO of Funding Circle, are examples of high-profile female leaders.Liikamaa added:“What we need to teach the younger generation is that it's ok to want to achieve, it's ok to work your ass off. And it's never too late and it's never too early to found something and be passionate about it.”Talking about Feminvest's VC fund, Berglund said:“The response has been incredible. The interest has been super high.“I have been approached by women and men across Europe saying ‘wow finally, thank you for taking the bet'."
Signup for 'How to achieve your sales target online class: https://selar.co/16h3e2 Join my whatsapp group: https://selar.co/s7829k Get my free weekly email: https://paulfoh.substack.com/ Instagram.com/paulfoh Get Anne Boden's Book: https://rb.gy/g98ia5
Follow Jimmy: Twitter Substack Instagram Youtube Jimmy's Jobs Website Recorded in 2021, Anne Boden - CEO of Starling Bank joined our show for a cracking episode. This is one of our most highly listened to episodes and shows the unconventional route Anne took to start a bank, a sentence not many people can say. Starling Bank is a leading UK digital bank established in 2014 which redefines modern banking through both a mobile app and online platform. As of 2023, the bank serves over 3 million customers, with deposits exceeding £7 billion. With a focus on innovation, accessibility, and transparency. Starling Bank continues to shape the digital banking landscape. Learn more about your ad choices. Visit megaphone.fm/adchoices
Welcome to the second edition of The Fintech Marketers and Leaders podcast Team Talk!Every month we've got Ross, our Head of Performance Marketing, Julia, our Head of Influencer Marketing, and Shanae, our Senior CRM Manager, joining host Shameer in a laid-back conversation about what's happening in Fintech.This time, they focused on what's new with the challenger banks, the rise of AI in Fintech, and where social media advertising is heading.Listen to our team share their take on Starling's, Monzo's and Revolut's recipes for success, trusting traditional vs digital banks, how influencer, paid, and organic social media marketing can amplify each other and more.Here's what they covered:
Our expert host, David M. Brear, is asking: "What is Anne Boden's legacy in fintech?" This week's guests include: Anne Boden, CEO, Starling Bank The fintech world has been rocked by the news that Starling Bank's Founder and CEO, Anne Boden, is stepping back nine years after founding the company. A self-described “5ft tall Welsh woman”, who started a challenger bank in her mid-50s, Boden has been one of the sector's most passionate and vital voices for the last decade. To give you a glimpse of that drive and determination, we are opening up the archives and we're bringing you an interview from April 2020 on the 11:FS Breakfast Show. Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It's hosted by a rotation of 11:FS experts including David M. Brear, Ross Gallagher, Benjamin Ensor, and Kate Moody - as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking. If you enjoyed this episode, don't forget to subscribe and please leave a review Send us your questions for the Fintech Insider Mailbag here (https://11fscompany.typeform.com/to/kBMan5qL?typeform-source=t.co) Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com! Special Guest: Anne Boden.
Liz Lumley and Anita Hawser sit down to discuss all the fintech conferences, HSBC launching Innovation Banking, a16z crypto opening an office in London, the growing maturity of crypto in general, as well as the resignation of Anne Boden as CEO of Starling Bank. Hosted on Acast. See acast.com/privacy for more information.
Our expert hosts, Kate Moody and Ross Gallagher, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. We cover the following stories from the fintech and financial services space: Bank of England plans to reject Revolut's bid for banking licence - 5:00 Brite Payments launches instant payments network - 17:20 Daylight, the LGBTQ+ neobank, calls it quits - 30:40 Fifth Third acquires Rize Money - 39:50 Jia, a blockchain-based lender of small businesses in emerging markets, raises $4.3 million seed - 50:30 Starling Bank chief Anne Boden to step down amid record profit - 53:40 Amazon's palm-scanning tech now lets you buy beer at a baseball game - 56:00 This week's guests include: Lena Hackelöer, CEO, Brite Payments Tom Bianco, Senior Vice President and General Manager of Embedded Payments, Fifth Third Bank With soundclips from: Anne Boden, CEO, Starling Bank Zach Marks, Co-Founder, Jia This episode is sponsored by Thredd Global Processing Services (GPS), the payments platform trusted by the leading issuers to process billions of transactions a year, has changed their name to Thredd. Why Thredd? Thredd, because their tailored payment processing solutions are the thread that connects payments innovators of the future. Thredd, because they are true partners, becoming part of the fabric of your business as it grows. And Thredd because it just feels right. Find out more at Thredd.com. (https://www.thredd.com/?utm_source=newsletter&utm_medium=email&utm_campaign=bitesize+thredd&utm_id=11fs) Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It's hosted by a rotation of 11:FS experts including David M. Brear, Ross Gallagher, Benjamin Ensor, and Kate Moody - as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking. If you enjoyed this episode, don't forget to subscribe and please leave a review Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com! Special Guests: Anne Boden, Lena Hackelöer, Tom Bianco, and Zach Marks.
Making news in fintech this week was Anne Boden of Starling Bank, JPMorgan, QED Investors, Fifth Third Bank, Rise Money, the CFPB, Venmo, Airbnb and Klarna, Daylight, Plastiq, Binance and more.
Anne Boden, CEO and founder of digital bank Starling, talks about her journey taking on the big banks, being the “odd one out” in the world of finance, why VCs are overlooking female founders and why crypto is “lacking sufficient practical and moral purpose”. Boden founded Starling Bank in 2014 after decades of working for some of the world's biggest banks. Starling, which is an online-only bank, provides both business and current accounts. The unicorn fintech company has been profitable since 2021 and has 500,000 small business accounts. In 2018, Boden was awarded an MBE for services to financial technology.
Back for a brand new season! Anne Boden shares her stories of busting stereotypes and facing up to prejudice as she set out to fix a financial system that was stuck in the past. Jazz Shapers in association with Mishcon de Reya broadcasts every Saturday at 9am, with a repeat on Monday at 5am, just before the Business Breakfast. Presented by broadcaster and Mishcon de Reya's Partner and Chief Brand Officer Elliot Moss, Jazz Shapers shares music from the risk takers, leaders and influencers of jazz, soul and blues, alongside interviews with their equivalent in the business world: entrepreneurs who have defined and shaped business categories and ways of operating, defying convention and have gone on to achieve great success. With more than 1000 people, Mishcon de Reya is an independent London-based law firm that serves an international community of clients. In their words: "We appreciate the privilege of sitting alongside our clients as a trusted advisor. Building strong personal connections to our clients and their businesses is important to us. It is for these reasons we say ‘It's business. But it's personal.'
On this episode of the In Her Financial Shoes podcast I am going to be exploring money dates - what are they and why you should have one. A money date is one of the most important meetings in your diary. A money date is all about connection and awareness. You connect with you money in such a way that will give you complete clarity around your finances. From here, you can begin taking small and nurturing steps forward towards wealth. Take this time for yourself to empower your relationship with money and move forward to a wealthier you. In this episode: What is a money date Setting the scene for success in your money date How to prepare your mind and remove disempowering beliefs What information you will need for your money date How to best set intentions to create a 1% improvement in your financial situation Resources: Get my FREE book ‘It's Not About The Money' Register for my FREE Financial Coaching Masterclass Connect with Catherine on Twitter, Instagram and Facebook Join Catherine's Facebook Page and FREE Facebook Group My Online Courses – Investing for beginners from £1 Catherine's YouTube Channel Listen to my episode with Anne Boden, CEO of Starling Bank Find out more about our Wealthy Woman School
Sign up for my Daily Fintech or Daily Digital Banking Newsletters here. Check out my latest podcast episode below: Welcome to another episode of our Daily Fintech Podcast. THE NEWS HIGHLIGHT OF THE DAY IS Binance founder and CEO Changpeng Zhao said the U.S. Securities and Exchange Commission (SEC) has been “asking questions” about the BNB exchange token but the exchange hasn't yet been subpoenaed. Earlier this month, Bloomberg LP reported the SEC is investigating if the BNB token constitutes an unregistered security. Zhao told the audience at CoinDesk's Consensus 2022 that the SEC regularly asks questions about Binance and its products, and the exchange is in regular contact with authorities. JUST IN: Cryptocurrencies are a “threat to the safety of our payment schemes,” Anne Boden, CEO of U.K. digital Starling Bank, warned. Speaking at the Money 20/20 fintech conference in Amsterdam on Tuesday, Boden said crypto “is very dangerous” as it poses a very huge risk to the existing payment infrastructure. ALSO: Jay-Z and former Twitter CEO Jack Dorsey are teaming up to launch a financial literacy program, titled The Bitcoin Academy, for residents of the Marcy Houses project in Brooklyn, New York, where the rapper grew up. WHAT ABOUT FUNDING ROUNDS AND INVESTMENTS? Swoop, the one-stop money shop for businesses has raised £5.4m in a Series A funding round to accelerate international expansion and help more companies to access an array of financing options. CRED is raising $140 million in a new financing round. Request Finance, a Web3 enterprise crypto payments startup, announced that it has closed a US$5.5 million seed funding round.
You may have a stereotypical image of a tech founder. Chances are it's someone from East London, with a Hipster beard who lives in something like a houseboat…But as we've seen before, founders come in all shapes and sizes. We've previously had Anne Boden on, who founded the billion-dollar company Starling in her 50s.And that is what today's guest is all about. Lyndsey Simpson is the founder of 55 Redefined and it's all about finding purpose later in life.Lyndsey was suggested to us after we made a call out for more diverse guests after International Women's Day earlier this year and I couldn't think of a better guest suggestion to reflect this. Thank you to our partners The Octopus Group for making this show possible. The Octopus Group is a collection of 8 entrepreneurially minded businesses that look to back the people, ideas and industries that will change the world.Get in touch with us at hello@jobsofthefuture.coIn this episode we talk about:Where did the name come from.How her entrepreneurial experience has lead to constant consumer feedback loops .The importance of the personal touch.Her journey into the world of work- including work in her dad's butchers and post office.Why first hires reflected her weaknesses.How to persuade someone to take the jump with you- and why transparency is key.What jobs she is hiring for in this round of growth.Why Instagram is key to reaching older generations.The misconceptions about over 50s .‘Returnships' from retirement.The culture of a company with older demographics in mind.Where to find careers at 55 Redefined.Why they went completely remote working.How to maximise in-person time.The sectors Lyndsey is going to disrupt next.Lyndsey's most inspiring content- a TV show, a book and a newsletter.If you'd like to see more information about the job roles being offered please look at my Twitter @jimmym
The Sunday Times' tech correspondent Danny Fortson brings on Anne Boden, founder of fintech unicorn Starling Bank, to talk about the post-pandemic workplace (3:30), the market collapse (8:40), starting a bank after the recession (11:50), growing up in South Wales (14:25), why banks aren't good at tech (17:45), how people reacted to her as a first-time, 50-something entrepreneur (22:00), the first “yes” after 400 “no's” (25:00), the banks' lack of confidence (30:00), getting to 3 million customers in three years (33:40), sexism (39:40), breaking out of being a “trial bank” (42:20), crypto (43:40), and money laundering in London (46:25). See acast.com/privacy for privacy and opt-out information.
Sign up for my Daily Fintech or Daily Digital Banking Newsletters here. Check out my latest podcast episode below: Welcome to another episode of our Daily Fintech Podcast. THE NEWS HIGHLIGHT OF THE DAY IS Klarna is shifting its business away from growth and towards short-term profitability as the Swedish FinTech tries to raise capital and cuts 10 per cent of jobs due to fears of a looming recession. Sebastian Siemiatkowski, Klarna's chief executive and co-founder, told the Financial Times he was not “convinced” by reports that his bank would have to raise capital at a valuation below its most recent one of $46bn, which made it the most valuable private tech company in Europe. JUST IN: Latin American crypto exchange Bitso laid off 80 employees on Thursday, the company told CoinDesk. “Our decisions about the people who work in our company are made on the basis of our long-term business strategy and to support our customers and our strategy as a company,” Bitso said in a statement. Bitso, which had more than 700 employees before the layoffs, still lists more than 60 open positions on its jobs page. ALSO: Starling Bank's Anne Boden is to chair a Government-backed ‘Taskforce on Women-Led High-Growth Enterprises', which aims to support women entrepreneurs, tackle investing barriers, and increase the number of women-led fast-growing businesses. AS FOR PARTNERSHIPS Market-leading SaaS banking platform Mambu, and Brim Financial (Brim), one of the fastest-growing fintech companies in North America, announced a strategic partnership to deliver a modern, more powerful digital banking, deposit, lending and cards platform across Canada and the U.S. Coingrig has integrated Nordigen's open banking platform to increase the ease of bank connectivity to their digital wallet. WHAT'S THE LATEST ON VENTURE FUNDS? Ânima Educação, a Brazilian educational group ahead of 18 universities and more than 570 educational centers, has launched a Corporate Venture Capital Association (CVC) fund to invest in startups. Called Ánima Ventures, the new fund comes to the market with BRL 150 million and plans to invest in strategic tech companies over the next 10 years. WHAT ABOUT FUNDING ROUNDS AND INVESTMENTS? ZenLedger, a Seattle, WA-based global leader in cryptocurrency data analysis, accounting, and tax, closed a $15M Series B funding.
Anne Boden is the Founder and CEO of Starling Bank, a modern British bank that brings new technology to the forefront, delivering a more engaging experience for customers than traditional high-street banks. Since 2014, Anne's vision has served more than 2.5 million customers as Starling continues to grow into one of the UK's leading banks. In January of 2014, Anne decided to quit her job to pursue her vision of creating a better bank, defying all stereotypes of women in their 50s with a corporate background. Starting a bank is one of the most challenging businesses to launch, and people thought she was crazy, but Anne was determined to make it work. “I felt silly, I felt people would laugh at me for having this audacious goal. I didn't just want to create a new bank, I wanted to create one that had the very best technology right from scratch, treated customers very fairly, with a new way of doing things and engaging with customers. Nobody believed me. Nobody thought it was possible.” Topics: Starling's first steps Raising money + building a team Being a sole founder Building the technology ‘Banking on it' - Book Securing the $48m investment Crypto What success looks like for Anne Work/life balance Are entrepreneurs born or bred? Luck Advice to her younger self Anne: https://www.instagram.com/anneboden/ https://twitter.com/anneboden Anne's book: https://www.amazon.co.uk/BANKING-How-I-Disrupted-Industry-ebook/dp/B084H6N2GS Starling Bank: https://www.starlingbank.com/
Anne Boden is the Founder and CEO of Starling Bank, a modern British bank that brings new technology to the forefront, delivering a more engaging experience for customers than traditional high-street banks. Since 2014, Anne's vision has served more than 2.5 million customers as Starling continues to grow into one of the UK's leading banks. In January of 2014, Anne decided to quit her job to pursue her vision of creating a better bank, defying all stereotypes of women in their 50s with a corporate background. Starting a bank is one of the most challenging businesses to launch, and people thought she was crazy, but Anne was determined to make it work. “I felt silly, I felt people would laugh at me for having this audacious goal. I didn't just want to create a new bank, I wanted to create one that had the very best technology right from scratch, treated customers very fairly, with a new way of doing things and engaging with customers. Nobody believed me. Nobody thought it was possible.” Topics: Starling's first steps Raising money + building a team Being a sole founder Building the technology ‘Banking on it' - Book Securing the $48m investment Crypto What success looks like for Anne Work/life balance Are entrepreneurs born or bred? Luck Advice to her younger self Anne: https://www.instagram.com/anneboden/ https://twitter.com/anneboden Anne's book: https://www.amazon.co.uk/BANKING-How-I-Disrupted-Industry-ebook/dp/B084H6N2GS Starling Bank: https://www.starlingbank.com/
There are a lot of very rare things about my guest today, Anne Boden. She is one of a very small group of people who have founded what the U.K. calls challenger banks – banks that were chartered after the financial crisis as part of regulators' newly minted mandate to foster competition in the financial sector. She is one of the very small group of bank CEOs, worldwide, who are women – which makes her a great guest for an episode that we recorded at the end of March – which was Women's History Month. She is the CEO of a startup that turns a profit. Many don't. She is one of a very small group of bank CEOs whose roots are in technology, not banking. Her university degree was in chemistry and computer science. And she is the very rare bank CEO who has written a New York Times bestseller. Titled, Banking on it: How I Disrupted the Way We Manage Our Money Forever, her book recounts the amazing story of how Anne – then a senior executive at a global bank, in her mid-50's – decided to found, yes, a bank.
Our expert hosts, David M. Brear and Deepa Anikhindi, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include: Charles McManus, CEO, Clearbank Eric Glyman, Co-founder & CEO, Ramp With soundclips from: Eslam Darwish, General Partner, Nclude We cover the following stories from the fintech and financial services space: Ramp confirms new $8.1bn valuation - 4:28 ClearBank raises $230m to expand into Europe and the US - 18:15 Apple buys UK fintech start-up Credit Kudos - 34:15 Egypt state banks setting up $85m fintech innovation fund - 43:45 "Very, very unlikely" big banks will have high-street branches, says Anne Boden - 52:30 EPI abandons plan for Visa and Mastercard rival as member banks quit - 53:30 NatWest to pilot carbon tracking app with SMEs - 54:55 Bristol pound notes to be transformed into giant shoal of fish - 56:05 This episode is sponsored by Austrade Everyone wants to stay ahead of the fintech curve, and a great way to start is by powering your investment portfolio with Australia's best and brightest fintechs. From buy-now-pay-later, to open banking, from embedded finance, to global payments - it won't be long before the next Clearpay, Cover Genius or Airwallex hits the international stage. Learn more today, visit shinewithaustralia.com.au/fintech. Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It's hosted by a rotation of 11:FS experts including David M. Brear, Simon Taylor, Jason Bates and Gwera Kiwana, as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking. If you enjoyed this episode, don't forget to subscribe and please leave a review Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com! Special Guests: Charles McManus, Eric Glyman, and Eslam Darwish.
This is one in a short series of episodes, taking a look back at some of the amazing female entrepreneurs we've had on the podcast in celebration of International Women's Day.Things haven't gotten easier for women in the last 30 years. Anne Boden CEO and Founder of Starling Bank exemplifies what female entrepreneurs can achieve in the tech and finance spheres. She talks about the higher standards diverse groups are held to and how building her bank was fuelled by proving these people wrong.If you'd like to see more information about the job roles being offered please look at my Twitter @jimmym
This week on the show we welcome friends from the world of comedy, film, music, television and literature.The hilarious Dara Ó Briain shares all about his ongoing stand-up tour.Wellness wonder Fearne Cotton discusses her brilliant book 'Bigger Than Us: The Power of Finding Meaning in a Messy World'.Acting and musical sensation Kiefer Sutherland chats his third studio album 'Bloor Street'.And Years & Years frontman Olly Alexander tells us about their new single 'Sweet Talker'.Plus Stacey Dooley, Julian Fellowes, Anne Boden and Katy Milkman.You can catch Chris and the team live weekdays 6:30am-10am on Virgin Radio UK.Be sure to subscribe to the podcast to hear the highlights every week.Dara Ó Briain - 00:43Fearne Cotton - 07:41Kiefer Sutherland - 13:28Olly Alexander - 20:48Stacey Dooley - 28:54Julian Fellowes - 36:27Anne Boden - 43:05Katy Milkman - 50:9 See acast.com/privacy for privacy and opt-out information.
Anne Boden is the Founder and CEO of Starling Bank, a modern British bank that brings new technology to the forefront, delivering a more engaging experience for customers than traditional high-street banks. Since 2014, Anne's vision has served more than 2.5 million customers as Starling continues to grow into one of the UK's leading banks. In January of 2014, Anne decided to quit her job to pursue her vision of creating a better bank, defying all stereotypes of women in their 50s with a corporate background. Starting a bank is one of the most challenging businesses to launch, and people thought she was crazy, but Anne was determined to make it work. “I felt silly, I felt people would laugh at me for having this audacious goal. I didn't just want to create a new bank, I wanted to create one that had the very best technology right from scratch, treating customers very fairly, with a new way of doing things and engaging with customers. Nobody believed me. Nobody thought it was possible.” Topics:Starling's first stepsRaising money + building a teamBeing a sole founderBuilding the technology‘Banking on it' - BookSecuring the $48m investmentCryptoWhat success looks like for AnneWork/life balanceAre entrepreneurs born or bred?LuckAdvice to her younger self Anne:https://www.instagram.com/anneboden/https://twitter.com/anneboden Anne's book:https://www.amazon.co.uk/BANKING-How-I-Disrupted-Industry-ebook/dp/B084H6N2GS Starling Bank:https://www.starlingbank.com/
Steven Bartlett is the latest star of Dragons' Den – and we recently caught up with him for a special bonus This is Money podcast episode. In this frank interview with This is Money's Simon Lambert, Steven tells us his story, the challenges he's faced in his business life, how he got ahead and his tips for anyone else wanting to start a business. At just 29, Steven may be the youngest Dragon the programme has seen but he has already built up a successful business career. He launched a social media marketing agency Social Chain – at a time when the medium was considered to have little value - and grew its revenues to hundreds of millions of pounds. He also presents the Diary of a CEO podcast, on which he has interviewed everyone from business leaders, such as Starling Bank's Anne Boden and Deliveroo founder Will Shu, to Rio Ferdinand and Jimmy Carr. Steven isn't afraid to share his strong opinions – including how school and higher education is failing young British hopeful entrepreneurs – and has become an author and been a guest on shows including Question Time. Recently, Steven has launched another new business Flight Story – as well as finding time to be in the Dragons' Den. That's not bad for someone who says that at 21 he was a broke, university drop-out in a Manchester bedroom. A short part of this interview was already featured in This is Money's end of 2021 podcast but we wanted to bring you the full discussion as a special bonus episode.
Our expert hosts, Benjamin Ensor and Deepa Anikhindi , are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include: Abba Newbery, Chief Marketing Officer, Habito Wiza Jalakasi, VP, Developer Relations, Chipper Cash We cover the following stories from the fintech and financial services space: Fintech bosses accuse Starling Bank's Anne Boden of stifling innovation 2:57 Chinese giant Tencent joins backers of £3.3bn digital bank Monzo 15:16 Habito offers mortgages for up to seven times person's salary 27:03 Fintechs in Africa continue to overshadow all other startups in funding gained 37:39 ING announces exit from French retail banking market 49:41 Hong Kong Fintech Unicorn WeLab To Enter Increasingly Crowded Indonesian Digital Banking Market 50:56 Fintech-focused Ribbit Capital raises $1.15B 52:30 BlackBerry: End of an era as company pulls plug on iconic handsets 53:50 This episode is sponsored by Primer. Primer is the world's first automation platform for payments. With Primer, merchants and developers have all the underlying infrastructure and "lego blocks" they need to build the best buying experiences for their customers. Learn more and book a demo at primer.io (https://primer.io/?utm_source=11fs&utm_medium=referral&utm_campaign=fintech_insider_) Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor and Jason Bates, who are joined by a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking. If you enjoyed this episode, don't forget to subscribe and please leave a review Follow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com! Special Guests: Abba Newbery and Wiza Jalakasi.
In the first news show of year we discuss 2022 fintech trends to watch, Dave becoming a public company, Petal announces the first big funding round of the year, China's CBDC is working with WeChat, BNPL is coming to credit reporting agencies and Starling Bank's founder, Anne Boden, in hot water with her fellow fintech entrepreneurs.Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes
The story of how Anne built her business is a genuine blockbuster of entrepreneurship and perseverance. Starling is one of the biggest FinTech companies in the world, with billions in deposits, but after listening to this you'll be amazed how it was possible. When her co-founder walked out of the company, and took the funding with him, Anne walked in to an office where she was the only employee on the books, and had to start the company she'd built all over again. Little by little, she came back, and a year later landed a mega investment deal in one of the most incredible stories we've ever had on this podcast. What really shines about Anne is the clear sense of mission she's infused her company with. Anne really cares about doing right by the customer, and cleaning up an industry that historically doesn't have a record of giving people a fair shake. Anne is in business to make the world a better place, and we think after listening to this you'll agree that Anne's story shows business success can come from the most unlikely places. Topics Humble beginnings Entrepreneurship Starting Starling bank & clashes with Tom at Monzo Raising funding What have you learnt about raising investment? Managing your emotions when running Starling Work life balance - maintaining relationships Key advice you would told your younger self Our last guests question Anne: https://www.instagram.com/anneboden/ https://twitter.com/anneboden Anne's book: https://www.amazon.co.uk/BANKING-How-I-Disrupted-Industry-ebook/dp/B084H6N2GS Our Episode with Tom from Monzo: https://g2ul0.app.link/d0u5WwlOmlb Sponsor: https://uk.huel.com/
Men and women are spoken to differently about money and represented differently by the media. It's time to #MakeMoneyEqual and remove negative gender stereotypes from public conversation around money and finances. Today I share some of the biggest influences that affect how we step into our wealth and explore how we, as women, can make a difference in the world by embracing our emotions, creating, and growing our wealth. In this episode: How changes in the banking system inspired Anne Boden to go out and create a whole new bank Why the #MakeMoneyEqual campaign is making a huge impact on the way that men and women are represented by the media around money Top tips around wealth creation for women including why you should make looking at your money a fun experience More information around investing, why it doesn't always need to be medium or high risk, and how to identify investment scams Resources: Get on the VIP list for my upcoming book Find out more about the #MakeMoneyEqual Campaign Read Anne's book Banking On It Check out the #MakeMoneyEqual Image Library Find out more about Starling Bank on their Website, on the Play Store & App Store Register for Catherine's FREE Financial Coaching Masterclass Join The Money Circle Join Catherine's Facebook Page and FREE Facebook Group My Online Courses – Investing for beginners from £1 Catherine's YouTube Channel Connect with Catherine on Twitter, Instagram and Facebook
Anne Boden is the CEO and Founder of Starling Bank and in this episode, she shares the challenges of being a woman in your mid-50s in a male-dominated industry with a new and very big idea. She also shares the challenges she faced making her idea a reality, why we need to change how we communicate money to women, how to keep your cool in tense situations, why being underestimated can work in your favour and why an idea is nothing if you don't start.Anne's book Banking On It is available now.To join the closed Facebook group for the podcast click here >> The Emma Guns Show Forum.To follow me on social media >> Twitter | Instagram.Support this show http://supporter.acast.com/emmagunavardhana. See acast.com/privacy for privacy and opt-out information.
In this week's episode Anne Boden CEO of Starling Bank speaks to Linda Yueh about setting up her own bank.In her remarkable story Boden reveals how she broke through bureaucracy and successfully countered widespread suspicion to realise her vision for the future of consumer banking. She fulfilled that dream by founding Starling, the winner of Best British Bank at the British Bank Awards in 2018, 2019 and 2020, and in doing so has triggered a new movement that is revolutionising the entire banking industry.To find out more about the book click here: https://www.amazon.co.uk/BANKING-How-I-Disrupted-Industry/dp/0241453585 Support this show http://supporter.acast.com/intelligencesquared. See acast.com/privacy for privacy and opt-out information.
Anne Boden is an extraordinary lady. Not many of us wake up one morning and think to ourselves ‘I'm going to start a bank'. She did that and founded Starling Bank whose results speak for themselves. She is now turning her considerable talents to the mission of making money equal between the sexes.
This week journalist Dan Martin is joined by Symmie Swil, head of SME Banking at Starling Bank, and David Beardmore, ecosystem development director at Open Banking Implementation Entity to discuss how small businesses can embrace modern banking services.Symmie shares the vision of Starling Bank's founder Anne Boden for launching the digital bank, her views on the future of physical bank branches and how the company is supporting the next generation of entrepreneurs.Another exciting development for small businesses is open banking, which helps you move, manage and make more of your money.David Beardmore joins the podcast to explain how open banking can benefit small businesses and how it has been impacted by the coronavirus pandemic.To find out more about Enterprise Nation and to listen to previous podcasts, go to www.enterprisenation.com/podcast
Saying that women are under-represented in fintech is an understatement. According to a 2018 LendIt survey, only 37 per cent of fintech employees are female, with representation dropping to just 19 per cent at C-suite level. There are however some great success stories. Anne Boden, CEO at Starling Bank or closer to home Jude Cook, CEO and co-founder at ShareIn, Loral and Eishel Quinn at Sustainably and with us today Ana Galitsyna co-founder at fintech Baby Ready. Whilst not being the majority, they are role models of leadership and real examples of what the “women difference” means in terms of entrepreneurship. If fintech had a gender it would probably be female (in French it is “une fintech”), a movement destined to change the financial sector as we know it. Fintech is about democratisation, it is about better outcome for citizens and companies, empathy for customer problems and about inclusion; qualities that females have in abondance and are using to develop new innovative businesses. In this episode we are joined by: Ana Galitsyna - Co-founder at fintech Baby Ready Yvonne Dunn – Partner at Pinsent Masons Sarah Ronald – Founder at Nile HQ and investor at ParEquity
Tom Blomfield, wow what an entrepreneur. This guy has founded multiple multi-million-pound companies, that have become monumental disrupters in the industry. And let's face it, Monzo, one of the companies Tom founded and led, is the one of the most forward-thinking, innovative, fastest-growing companies there is. Tom was born in Hong Kong and lived with his father and mother. His father was a business-minded civil engineer and his mother was an artist. When Tom was a child, he moved to London to attend grammar school in Amersham, Buckinghamshire then moving on to study Law at Oxford. Whilst studying at Oxford, at the age of 21, he co-founded Boso.com an “eBay for students”. After a few internships with law firms he decided being a lawyer wasn't for him and followed the entrepreneurial journey instead. In January 2011 Blomfield co-founded the UK-based company GoCardless, an automated payment method that processes Direct Debit payments on behalf of other businesses and organisations. Blomfield stayed in Silicon Valley during his three years at the company, it raised around £35 million of investment and hired 100 people. When GoCardless appointed Hiroki Takeuchi as CEO in 2013, he left (keeping a "very small share" in the £50-100m valued company) Tom moved to New York to work for dating site Grouper social club as their Head of Growth. Blomfield left Grouper in 2014, and it closed in 2016. Following his departure from Grouper Social Club Blomfield joined Anne Boden's Starling bank as the CTO. Startling was, at that point one of the first digital banking companies. Tom left the company in early 2015 after reports of disagreements at Starling, telling the Financial Times that "he could not comment under the terms of his departure". Today we learn about what really happened at Starling. In 2015, he founded challenger bank Monzo, operating with no branches and instead offering accounts online In its first fundraising round, the company raised "£1 million in 96 seconds”. In April, Blomfield announced he would forgo his salary for one year to help his company during the COVID-19 pandemic In May, he announced that he was stepping down as CEO of Monzo and taking on the role of president of the company. In January 2021 he announced he was leaving the company permanently. This conversation today takes us through Tom's wild entrepreneurial journey expressing the highs and lows of running a business. He also talks about the disagreements at Starling bank and ultimately his reason for starting Monzo in the first place. His stories are unique, and more importantly honest. Unbelievably honest. He tells you the mistakes he made, his deepest insecurities, his biggest challenges and the things he wish he knew. Wow this is a good one. Why entrepreneurship? What made you want to disrupt an industry? Monzo & Starling rivalry Starting Monzo Wanting to be seen to be a success What were the good times at Monzo? What were the bad times at Mozo? Was the business model of Monzo bad? Leaving Monzo Not sleeping because of the stress of the business How was holding down a relationship while running the business? The “red phone” in your bedroom What was your life like outside of the business? The road to leaving Monzo The urge to go back Death Threats Enjoying the small things in life and relationships Your purpose in life Crypto currencies The good things about being a CEO Tom: https://twitter.com/t_blom https://www.linkedin.com/in/tomblomfield Sponsors: https://uk.huel.com/ https://fiverr.com/ceo
In this final journey Under the Hood this season, we are looking ahead and discussing the future of banking. Simon and Sankaet are joined by some incredible guests: Angela Strange - General Partner, Andreessen Horowitz Anne Boden, CEO and Founder, Starling Bank Our awesome panel really dig deep into the challenges banks have faced previously and will do in the future; the expectations of customers that banking has to meet, now more than ever; what the role of technology will play in the future of banking and what changes are on the horizon. Most importantly we also discuss the role of banks - will they even still be needed? Will their role completely change, and might every company become a fintech company? If you liked this podcast please subscribe to get all the latest episodes as soon as they’re released, tell your friends and colleagues about it, spread the word and pass the podcast along! Find out more about the show @11FS (https://twitter.com/11FS) and @Synapsefi (https://twitter.com/synapsefi). Special Guests: Angela Strange and Anne Boden.
Jimmy's Jobs of the Future is hiring, read more on our next chapter here and you can sign up to our newsletter here. Jimmy's Jobs of the Future is presented by me, Jimmy McLoughlin, a former Downing Street adviser on business.Our last episode was with Dom McGregor, we talked about his story and how it was perhaps the stereotype of how we characterise the entrepreneurship journey … Uni drop out who sent a tweet that became worth hundred of millions .. Well Anne Boden from Starling Bank is different, very different.As she describes herself in this interview she was in her 50s She's from WalesShe's a woman in finance and technologyShe's only five foot tallSince we recorded this interview ten days ago it was announced that Starling have taken £50 million in funding from Goldman Sachs, taking the total valuation of Starling to £1.1 billion and therefore the proverbial unicorn status. Her story of founding a bank in 2014 to growing it the size it is today demonstrates that entrepreneurs can come in all shapes and sizes. Starling now employs over 1,000 people across the UK, including setting up large hubs in Southampton and Cardiff. Anne talks us through why those places stood out as talent hubs. She talks about how you don't need an Financial Services background to work at Starling, they are hiring software engineers, Data analysts and graphic designers. A big part of what drives this show is wanting to tell the brilliant entrepreneurial stories that are happening all across the UK, each episode is full of entrepreneurs creating jobs, they don't make headlines about creating hundreds or thousands, because so often it is about the incremental steps along the way. And of course that is a reminder, that this podcast is making its own first foray as we are taking on our first employees to help power our next stage of growth, so if you are curious about the way our economy is growing, want to work on researching guests and helping us get it into more ears, please check out the show notes for more details We have surpassed 100 reviews on iTunes, a big thank you to Eben Owen, a student at Cardiff University who left a six word review - that is all it takes for me to think this show is worthwhile. If you could leave a rating that would make a big difference and don't forget to tell a friend or six about the show as that is the best way we can grow it. Thanks to Octopus Group for their support in this second series. A reminder that they are looking for new charity partners and are welcoming applications over the next month - the support offered includes £45,000 of unrestricted funding. A reminder you can follow us onInstagram: @JimmysjobsTwitter: @JimmysjobsAnd most importantly on LinkedIn.If you'd like to see more information about the job roles being offered please look at my Twitter @jimmym
Anne Boden spent over three decades in the traditional banking sector, watching the world around her being transformed by technology. In 2014, she decided that the time had come for banking to undergo the same shift, and quit her job to found Starling Bank. Since then, Anne has built Starling from an idea into a digital bank with 2m customers. Claer talks to her about making the leap into fintech, the determination needed to turn an idea into a business and how she persuaded investors to back her. Budding business owners should sit tight as Anne shares some of the key lessons she learnt along the way - and why she thinks we should prepare for cash to completely disappear. Read Claer’s review of Anne Boden’s autobiography, ‘Banking On It: How I Disrupted an Industry’. If you want to know more about how Anne Boden set up Starling Bank, you can buy a copy here.Follow Claer @ClaerB on Instagram and Twitter. If you’d like to talk about a real-life money problem on a future episode of the podcast, then drop us an email money@ft.com See acast.com/privacy for privacy and opt-out information.
In this Money Talks segment, Pete and Eoin trip through the wires of Starling Bank’s latest fundraise, investing in Roblox’s direct listing, Walmart’s SuperApp vs. ‘The Bank of Walmart’, the Square-Tidal / Jack Dorsey-Jay Z tie-up, and Ireland's new national startup accelerator, international startup accelerators and pre-accelerators. MoneyNeverSleeps is sponsored by PAT Fintech, the training partner that demystifies fintech and digital finance for financial services professionals. MAIN STORIES WE COVERED: Starling raises £272mn at £1.3bn valuation (Sifted, 8-Mar-21) Pete’s overall thoughts on Starling Bank at this point in time: “Monzo, Revolut and N26, have all raised at higher valuations than £1.2bn. Starling now outpaces all of them in terms of value per user at £650 per user. Out of this entire story, after reading Anne Boden’s book ‘Banking on IT’, I think that’s the thing that she would point to and be the proudest of.” Roblox direct listing gets $45 reference price from NYSE (Marketwatch, 9-Mar-21) Eoin’s parallel between Robux and crypto: “Something like Robux, which is the in-game currency, to me is the prime example of a digital currency's potential usage. You see Bitcoin becoming more widely adopted, but here's a currency within a game that's being used by 32 million people every day – it’s the potential for that, and to me, is what digital currency could become.” Walmart’s Fintech Ambition: A Super App, Not The ‘Bank Of Walmart’ (8-Mar-21, Forbes, by Ron Shevlin) Square acquires Tidal (TechCrunch, 4-Mar-21) RELATED STORIES: JPM Kills ChasePay (Finextra, 9-Mar-21) Applications for the Expert Dojo accelerator are open with the next cohort kicking off on 5th April (Expert Dojo, Spring 2021) Applications are now open for NDRC’s new accelerator (Silicon Republic, 5-Mar-21) Applications are now open for the Startup Boost 2021 Spring cohort (StartupBoost, Spring 2021) LINKS: Leave a review on Apple Podcasts | Podchaser Subscribe on Apple Podcasts | Spotify| Google| Overcast Check out our MoneyNeverSleeps website Subscribe to our newsletter on Substack Follow us on Twitter Podcast| Twitter Pete| Twitter Eoin Get in touch at info@moneyneversleeps.ie --- Support this podcast: https://anchor.fm/moneyneversleeps/support
In this week's episode Anne Boden CEO of Starling Bank speaks to Linda Yueh about setting up her own bank. In this remarkable story Boden reveals how she broke through bureaucracy, tackled prejudice and successfully countered widespread suspicion to realise her vision for the future of consumer banking. She fulfilled that dream by founding Starling, the winner of Best British Bank at the British Bank Awards in 2018, 2019 and 2020, and in doing so has triggered a new movement that is revolutionising the entire banking industry. To find out more about the book click here: https://www.amazon.co.uk/BANKING-How-I-Disrupted-Industry/dp/0241453585 See acast.com/privacy for privacy and opt-out information. Learn more about your ad choices. Visit megaphone.fm/adchoices
In our third of our 4-part series, 'How to be your brilliant best', Sarah talks entrepreneurship with Jim Collins and Anne Boden MBE. Jim is a legendary researcher and author who has influenced leaders all around the world through his book 'Good To Great', and his book 'Beyond Entrepreneurship', the bible for any new business owners. In their conversation, Sarah talks to Jim about his flywheel concept, the hedgehog model, and what makes up an entrepreneur. Meanwhile, Anne is the founder of Starling Bank and author of 'Banking On It', in her chat with Sarah, Anne talks about the highs and lows of founding a business, what she learnt and the importance of resilience.For more resources, visit amazingif.com See acast.com/privacy for privacy and opt-out information.
We have had the opportunity to interview many fintech start-ups and challenger banks on the Banking Transformed podcast. None are like Starling Bank. First of all, Starling was founded by a woman with a legacy banking background. Not just any woman, but an extraordinarily tenacious, middle-aged, short-statured woman who doesn’t fit the traditional mode of a fintech founder. Anne Boden had a view of what banking should look like in the future far before many of her challenger bank peers. What also sets Starling bank apart is that they have become the first of the new breed of digital banks in the UK to become profitable. With nearly 1.8 million accounts, £4 billion in deposits and £1.5 billion of lending, they have doubled their customer base in the past year and continue to introduce new services at a frenetic pace. We are joined today by Anne Boden, founder and CEO of Starling, and author of a new tell-all book, Banking On It: How I Disrupted an Industry. On the show, Anne provides an inside look into the origins, successes and challenges of Starling Bank.
Today, regular contributor Lex Sokolin and I are joined by Anne Boden, Founder and CEO of Starling Bank, one of the original wave of app-only digital banks in the UK. Starling has built a diversified bank and achieved profitability for the first time in October, a rarity for digital banks. Originally a retail-only offering, Starling has built out business banking and banking-as-a-service offerings and now serves a wide varied of customers. In this conversation, Anne, Lex and I discuss Starling’s path to profitability, lessons for other digital banks, marketing and customer acquisition, and Anne’s new book on Starling’s first seven years. For all of our past episodes, and to sign up to our newsletter, please visit www.bankingthefuture.com. To subscribe to Lex’s amazing newsletter, please visit www.fintechblueprint.com. Thank you very much for joining us today. Please welcome, Anne Boden.
In our age of disruption and uncertainty, Covid-19 and climate change, the need to debate our economic future has never been more important. In this new weekly podcast from Intelligence Squared, we'll speak to business leaders, authors and public intellectuals about the future of capitalism and the trends changing the world of business. Guests will include Guy Raz, host of NPR's How I Built This; Anne Boden, CEO and founder of Startling Bank; Zayna Aston, YouTube Head of Communications for Europe, Middle East and Africa; and archive episodes from Microsoft CEO Satya Nadella, economist Marianna Mazzucato, tech visionary Jaron Lanier and more. Subscribe now on Apple Podcasts, Spotify, Acast or wherever you get your podcasts. The producer is Conor Boyle. See acast.com/privacy for privacy and opt-out information. Learn more about your ad choices. Visit megaphone.fm/adchoices
ANNE BODEN – BANKING ON IT...with TRE's Bill Padley
Heather Noble & Tracy Jones present The Business Community on Calon FM, Episode 139. Find out more about this show, the presenters, Calon FM and previous episodes at www.thebusiness.community. If you like what you hear then perhaps you would considering buying us a coffee (we love coffee!), or a book (we also love books!) https://www.buymeacoffee.com/tbcpodcast
The Woman Who Set Up a Bank, Anne Boden, joins us this week to talk about the incredible journey she's been on to found one of Britain's most successful new banks; mobile-only bank Starling. She chats about Olivia Coleman playing her in the film of her best-selling book, the billionaire who flew her to his yacht in the Bahamas to talk about investing in her, and how so nearly losing her bank in the early days made her even more determined to make it work. And she shares how her determination to #MakeMoneyEqual has opened up the conversation about financial inequality far beyond the gender pay gap.**Please subscribe, rate and review this episode, if you enjoy the podcast**Find Anne at https://www.twitter.com/AnneBoden and her book Banking On It ---> https://www.amazon.co.uk/BANKING-How-I-Disrupted-Industry/dp/0241453585/Starling on Twitter https://www.twitter.com/StarlingBankStarling on Instagram https://www.instagram/StarlingBankFor more about Tanya Goodin visit https://www.tanyagoodin.com and https://www.twitter.com/tanyagoodinTo find out about digital detox course from The Time To Log Off Academy: https://timetologoff.teachable.com/p/digital-detox-course Use Code NOW25 for 25% off.'Off: Your Digital Detox for a Better Life' https://getBook.at/OFF And 'Stop Staring at Screens' https://getBook.at/STOPSTARINGFor more about Time To Log Off visit https://www.itstimetologoff.com Twitter: https://www.twitter.com/timetologoff Instagram: https://www.instagram.com/timetologoff and Facebook: https://www.facebook.com/timetologoffnow See acast.com/privacy for privacy and opt-out information.
Clarity at Speed [live] 15 live sessions. 15 minutes each. 15 second summaries. Tune in on Thursday 19 November to learn from the sharpest minds in digital, startups and workplace culture. Register now for free: https://clarityatspeed.journeyfurther.com/ Full line-up: Seth Godin — How to ship creative work Anne Boden, Starling Bank — Banking On It: How I Disrupted an Industry Bruce Daisley, Eat Sleep Work Repeat — The Myth of Resilience Katy Leeson, Social Chain — Making mental health support work from home Dhiraj Mukherjee, Shazam — Designing for uncertainty Pip Jamieson, The Dots — Starting & Scaling: It may not be easy, but it'll be worth it! Tessa Clarke, OLIO — Living in Wasteland Samantha Clarke — What will you love or leave behind to create more happiness at work? Davina Rajoopillai — R.A.W. a platform to show what racism at work really looks like Marisa Thomas, Bloom & Wild — What can thoughtfulness do for your brand? Tim Armoo, Fanbytes — TikTok, the Bytehouse and reaching Gen Z Sharmadean Reid MBE, Beautystack — Empowering change Jonny Longden, Journey Further — A bulletproof framework for your digital strategy Matt Kwiecinski, Journey Further — Clarity at Speed Isabelle Wilkinson, Journey Further Book Club — Turning reading into actions Proud to be DICE certified.
The founder of UK challenger bank Starling talks innovation, competition, and people management.
The founder of UK challenger bank Starling talks innovation, competition, and people management.
Starling founder Anne Boden recently told TechCrunch that the U.K. challenger bank is on track to be profitable by Christmas, but this doesn't mean it isn't out raising additional capital already. According to well-placed sources, Starling has hired Rothschild with the aim of raising a new £200 million round. The draw is its expected profitability, […]
Anne Boden founded Starling Bank in 2014 after a distinguished, 30-year career at some of the world's best-known financial heavyweights, among them Allied Irish Banks, Royal Bank of Scotland and ABN AMRO. Anne is now on a mission to revolutionise banking for good, she's passionate about financial wellbeing among the customers they serve and believes customer service is the secret to the current and future success of Starling's services, available via mobile-only. She's raised in excess of £363million of investment and has also received an MBE for her services to finance technology.But, it doesn't stop there. Anne is also the author of two books, The Money Revolution in 2019 and more recently tells her own story through her memoir Banking On It which published on 5th November 2020.Support the show (http://www.modernwoman.co/sign-up)
At a point when most people make plans for their retirement, our podcast guest this week wrote a business plan to start her own bank: Anne Boden, the CEO and founder of Starling Bank, who has built a name for herself building one of UK's standout digital banks, drawing on her experience in the financial heartlands for more than 30 years building and running global banking and payments businesses as part of RBS and Lloyds among other things. The banker and technologist is the prime example and embodiment of the famous saying it's never too late to break new ground. And in this week's episode the exceptional founder shares her learnings from making her way up to the top in the Fintech world: 1) From how to build a challenger bank from scratch and 2) why she is not threatened by the established big banks to 3) how to diversify your revenue streams to make your business profitable. But her wisdom goes far beyond just the Fintech world and offers founders from all sectors a glimpse into her way of navigating the experience of being a founder especially as a woman in a very male dominated entrepreneurial environment. Despite having had a 30-years career in the global banking and payment business earlier to founding Starling Bank, Anne had to face the same challenges as every other founder specifically when asking for funding. So her advice to younger entrepreneurs is to keep pushing: “Keep knocking on those doors!” And one thing she would recommend every founder is to have lots of drive and ambition: “If I aim for something really awesome, really ambitious - even failure would be a success”, she told Bits & Pretzels Editor-In-Chief Britta Weddeling. More to explore: Stay updated on news & insights from us about founders, startups in Bavaria, Austria & Switzerland at www.bitsandpretzels.com. Signup for our media newsletter to get the next episode of this podcast delivered right to your inbox: www.bitsandpretzels.com/media-signup. Hosts: Britta Weddeling (@bweddeling), Editor-in-Chief of Bits & Pretzels (@bitsandpretzels) Featuring: Anne Boden (@AnneBoden), CEO & founder of Starling Bank Follow us: Twitter: @bitsandpretzels Linkedin: https://www.linkedin.com/company/bits-&-pretzels If you like the show, please let us know by leaving a review. You can also send us feedback at podcast@bitsandpretzels.com. Production: professional-podcasts.com (Regina Körner, Migo Fecke), Sophie Dechansreiter & Dina Zhakupova.
Our expert hosts, David Brear and Jason Bates, are joined by some of the brightest minds in the fintech industry for our first ever Truly Digital After Dark. Anne Boden , CEO of Starling Bank Nick Ogden, Founder and Chief Executive, RTGS Limited Maia Bittner, Voice of the Member, Chime Together they bring you a deep dive in to what Truly Digital really means, and how it has helped shape the face of the industry we are a part of. We will take a look at what it looks like both in the businesses, products and services created, but also the future of the FS workplace is. Join us for a great live podcast recording for some amazing insights in to how we are shaping the future of financial services, together. This podcast is brought to you by Usertesting. UserTesting is a leading on-demand human insight platform that quickly gives companies a first-person understanding of how their target audience behaves throughout any experience and why. The platform is used by many of the world's top fintech organisations, helping them deliver a seamless customer experience. To find out more, visit https://www.usertesting.com/ This podcast is also brought to you by Mitek (NASDAQ: MITK). Mitek is a global leader in mobile capture and digital identity verification solutions built on the latest advancements in computer vision, artificial intelligence and machine learning. Mitek’s identity verification solutions enable an enterprise to verify a user’s identity during a digital transaction, which assists businesses operating in highly regulated markets to reduce financial risk and meet regulatory requirements while increasing revenue from digital channels. Financial services, marketplaces and other organizations around the world use Mitek to reduce friction creating the digital experiences their customers expect. Mobile Deposit®️ and Mobile Verify®️ are used by millions of consumers for check deposit, new account opening and more. The company is based in San Diego with offices in New York, London, Amsterdam, Barcelona, Paris and St Petersburg. Learn more at www.miteksystems.com. *Banking as a Service is deconstructing the banking stack. * It's enabling brands to embed finance more easily, and to tailor financial products to specific customer needs. This is presenting new opportunities for specialised providers and offers banks extra revenue streams. Download our report for a comprehensive, no BS view of what Banking as a Service is and what it means for the industry. Head to bit.ly/bankingasaservice. Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates and Sarah Kocianski and joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking. If you enjoyed this episode, don't forget to subscribe and please leave a review Follow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com! Special Guests: Anne Boden, Maia Bittner, and Nick Ogden.
Anne Boden is the CEO and founder of Starling Bank. Launched in 2014, the mobile-only app has over 1.5 million customers and is the fastest growing SME bank in Europe. She previously worked at Allied Irish Banks Plc, RBS and Standard Chartered, and received an MBE in 2018 for her services to financial technology. This year, she published her first book titled ‘The Money Revolution’, creating a “jargon-free guide” to taking control of your finances. In this in-depth conversation, she describes her ambition to bring finance and technology together, to change the industry and “rethink the customer experience"; argues that despite their best efforts, major banks are not agile enough to effectively copy their relationship-driven culture; and reveals the bank’s plans for European expansion, starting with their application for a banking license in Ireland.
Starling Bank O Starling Bank é uma fintech fundada em Janeiro de 2014 por Anne Boden (ex COO do AIB Allied Irish Banks). Anne tem mais de 30 anos de experiência no setor e é uma das únicas mulheres fundadoras dos chamados "Challenger Banks". O Starling Bank já recebeu aproximadamente £363M em investimentos. Possui 1.5M de clientes e £3B em depósitos. A fintech já conta com mais de 700 funcionários. Os clientes tem em média 35 anos e £1000 em conta corrente. Ao final de 2019, o Starling Bank faturava em média £40 por ano por cliente ativo. Vantagens de um Challenger Bank Intuitivo, fácil de usar, simples Entende a necessidade dos tempos atuais Funciona igual a um banco tradicional 100% Mobile Oferece serviços gratuitos para atrair novos usuários Fintechs mencionadas no episódio Nubank: $1.1B Series F20M clientes São Paulo - Maio 2013 https://www.crunchbase.com/organization/nubank N26: $783M Series D 5M clientes Berlim - Fevereiro 2013 https://www.crunchbase.com/organization/n26 Monzo: £384M Series G 4M clientes Londres - Fevereiro 2015 https://www.crunchbase.com/organization/monzo Tide: $115M Series B Londres - 2015 100k - Business https://www.crunchbase.com/organization/tide-2 Revolut: $917M Series D 12M clientes Londres - Julho 2015 https://www.crunchbase.com/organization/revolut Todos os detalhes deste episódio estão no octanage.com/lab022
Breaking: Exclusively on Searching for Mana - Conrad reveals to us the details of his latest venture Conrad Ford is the founder of, SME finance broker, Funding Options - having founded the company in 2011 - Conrad and his team built the business into the leading SME marketplace winning multiple awards along the way and accumulating an exceptional leadership team. Conrad left for new projects in 2019 and has since been working as an advisor for Anne Boden and Starling Bank As mentioned by Conrad during the show: https://a16z.com/2019/10/01/google-maps-for-money/
In the first instalment of IBS Intelligence's International Women's Day series, Sunniva Kolostyak sits down with Anne Boden of Starling Bank to discuss women in power, entrepreneurship and the continued development of one of the UK's most prominent challenger banks.
Are you enthusiastic and excited about 2020? Have you set your goals and targets so you are poised to make a mark and achieve those goals in the coming months? Information is power, providing that you know what to do with it and in this episode, Steven looks at quotes from 3 very successful entrepreneurs; Alexandra Depledge founder and CEO of Resi the largest residential architects in the UK who offer cradle to grave solutions for your home, Anne Boden, founder and CEO of Starling Bank and author of the Money Revolution and David Buttress Ex CEO and founder of Just Eat, entrepreneur and angel investor. They are all hugely successful but they've all had to raise money so they are all closers and all understand the fundamental importance of knowing about sales, doing sales presentations and securing sales. KEY TAKEAWAYS ‘People can smell desperation when you are looking for money' (Anne Boden) Being desperate is when an individual starts to do things that are incongruent with their brand and to who they as an individual. When you are looking for money and are not coming across as desperate it's because you are prepared, have a pipeline and have worked hard. ‘When raising money, you need to be resilient' (Anne Boden) There are a lot of ‘nos' and rejection. If you lose your composure you are weak. It's about working on your plan. You need to build up resilience. ‘If you really believe in your business you will find a way' (David Buttress) If you really believe in yourself and have the burning desire to be successful in your business you will find a way. ‘Raising money was a fun challenge (David Buttress) If you retrain yourself to view raising money as a fun challenge when you go into a sales your potential presentation it's going to come across to the others, including potential investors. ‘When you are pitching, narrate a story because they buy you' (Alex Deledge) When you are pitching narrate a story because they buy you, the best pitchers are fantastic storytellers. People want to buy into other people, they want to stand with you in your mind as you narrate the story. ‘You need high energy' (Alex Deledge) If people feel you are boring what you are saying is flat, monotone. You could have something that is amazing but people still won't buy it. A sale is the transference of enthusiasm. Get excited, get enthusiastic, tune into your goals and believe in yourself. BEST MOMENTS ‘In my life, I've had successes and definitely setbacks everything I share is my take on things and most importantly I continue to learn everyday' ‘If a person says no it doesn't mean they don't have someone in their network who could say ‘yes' VALUABLE RESOURCES The Steven Sully Study Podcast Anne Boden Starling Bank Alex Depledge LinkedIn David Buttress LinkedIn ABOUT THE HOST The Steven Sulley Study is my take on success. My view is you should have multiple focuses to be a well-rounded individual. Success shouldn't be just one thing like money, for example, it should also consist of a healthy fit lifestyle and thriving relationships. As a person who has made a success in life and also made huge cock-ups I feel I can offer suggestions and tips on how to become successful or at least start your pursuit. My 'Study' has taken resources from reading and education plus being around, my perception, of successful people and I, know a lot of successful people from all walks of life. My 'Study' coming from my experiences in business, investing, sales (my core background), training, boxing and education has enabled me to become well rounded and successful. CONTACT METHOD http://www.instagram.com/sulley.steven See omnystudio.com/listener for privacy information.
Secret Leaders is all about hearing from founders and CEOs of some of the world’s most successful startups. We grill each guest on the highs and more importantly lows of starting and running a startup, and one of the biggest hurdles for any startup to overcome is financing and funding.“Leave investors with two or three messages that are really clear what is special about your business, what's great about you and your founders, and how this thing is ever going to make money. They're probably the only three things that [they’re] going to remember from [a] 45 minutes or an hour [pitch]. Sometimes you feel when making a deck that more is more, it really isn't.”Financing and funding a startup seems to be the biggest sticking point for so many businesses. So much so, we invited back three incredible human beings - Anne Boden, founder and CEO of innovative challenger bank Starling Bank, Alex Depledge, co-founder of Resi and formerly Hassle.com (since sold to Helpling) and David Buttress, ex-CEO and co-founder of Just Eat to discuss their experiences.All three have had very different experiences of finance and raising funds, and so they are the perfect trio to discuss how they did it, what they were hoping to achieve and more importantly, how they handled the process, including how they coped when they came face to face with the urban legends that are in fact actual funding horror stories - because believe it or not, even the most successful entrepreneurs still face discrimination.We chat about:Raising money before you need itWhat it’s like in the lead up to going publicInner demons and horror stories that actually happen when you raise fundsRaising money as a single founder vs being a co-founderPractical processes to set up for successful fundingLinks:Starling Bankwww.helpling.comhttps://resi.co.uk/Just Eat UKWant to receive our podcast on a weekly basis? Subscribe to our newsletter!
On the 100th episode of the Scaleup Valley podcast, our CEO - Mike Dias - speaks with Anne Boden, the CEO of Starling Bank, about her journey scaling up this mobile-only challenger bank.
We once again get inside the minds of entrepreneurs by diving deep into a recent piece of content that struck a chord, and Chris Skinner's recent blog post on Starling's Anne Boden and her recent talk on the myths of fintech.
Anne Boden switched a 35-year career working at some of the world's biggest banks to start a bank of her own. She now runs Starling, one of the UK fintech scene's biggest success stories. Boden explains how Starling is "taking market share from the big boys," offers her advice to budding women entrepreneurs and shares some of the most suprising facts about her. See the full interview on Yahoo Finance UK: https://uk.finance.yahoo.com/live/changeagents/ See acast.com/privacy for privacy and opt-out information.
Sarah and Nigel are joined by two great guests to talk about fintechs and insurtechs teaming up! The guests joining us today are: Dylan Bourguignon, CEO and founder of So-Sure David Vanek, CEO and founder of Anorak First, up the guests explain how they go about establishing partnerships with fintechs. Dylan's So-Sure was able to join Starling's marketplace after having dinner with the company's CEO, Anne Boden. David on the other hand, didn't have dinner with anyone, but by building an interesting product Anorak were able to join the Starling marketplace. Sarah makes the point that this proves that there are two ways of going about this, one of them is a more personal way of making connections, whereas the other one puts product first. Nigel argues that the Starling marketplace idea is indeed very interesting, but it how do we take it from reactive, to proactive? Next up, Sarah spoke to Jason Maude, CTO at Starling, as he couldn’t join us for this roundtable to get his perspective on everything we discussed. All that and much more on this week's episode of Insurtech Insider. Subscribe so you never miss an episode, leave a review on iTunes and every other podcast app. Spread the insurtech love by sharing or tweeting this podcast. This episode of Insurtech Insider was produced by Laura Watkins and edited by Alex Woodhouse. Special Guests: David Vanek, Dylan Bourguignon, and Jason Maude.
Voici un petit bonus sur le film Captain Marvel de Anne Boden et Ryan Fleck. Pour parler du film comme il faut nous avons invité Paula de Marvel Planet à discuter avec nous. Le dernier film de l’écurie Marvel Studio est sortit il y’a quelques semaines déjà et on se devait de vous faire un petit bonus sur le film pour vous donner notre avis et analyser ce que nous propose Disney en ce début d’année. Captain MarvelCe film est-il le renouveau du Marvel Cinematic Universe ou un énième film avec la même recette appliqué comme on en a peut être trop vu ? Est ce que le fait qu’on voit enfin une héroïne avoir son propre film après 11 ans change t’il la donne ?On a essayé de répondre à ces questions et bien plus encore dans l’émission.Pour faire les choses bien nous avons invité une spécialiste de l’univers et surtout du personnage : Paula de Marvel Planet.Vous l’avez peut être déjà entendu dans une de nos émissions puisqu’elle a participé cette hiver au podcast « comment parler de comics sur internet » avec nous.N’hésitez pas à aller écouter ses deux podcasts : « MCU Talk » qui est consacré aux séries tv et aux films adaptées de l’univers Marvel, « Corps Talk » qui parle plus de comics et sa chaîne Youtube. Si vous habitez sur Montpellier, que vous êtes disponible le lundi de 18H à 19h , n'hésitez pas à nous contacter à: contact@comicsdiscovery.fr peut être rejoindrez-vous notre équipe. Vous pouvez nous retrouver sur nos reseaux sociaux :Facebook : https://www.facebook.com/ComicsDiscovery/Twitter : https://twitter.com/comicsdiscoveryInstagram : https://www.instagram.com/comicsdiscovery/ Vous pouvez nous écouter sur :Spotify : https://spoti.fi/2Qb8ffDAusha : https://podcast.ausha.co/comicsdiscoveryItunes : https://apple.co/2zw9H1QDeezer : https://www.deezer.com/fr/show/55279 Sans oubliez le replay en vidéo sur :Youtube : https://www.youtube.com/c/ComicsDiscovery Si vous voulez nous soutenir vous pouvez le faire sur :Tipeee:https://fr.tipeee.com/james-et-faye Et pour retrouvez tout notre contenu vous avez nos sites web :ComicsDiscovery : http://comicsdiscovery.fr/Nos autres productions: http://jamesetfaye.fr/ Bonne écoute et à la semaine prochaine.
Growing up in Swansea with two hard-working parents, Anne Boden couldn’t have dreamt of the future ahead of her. After going on to study Chemistry and Computer Sciences at Swansea University, she made the big move to London to work for Lloyds Bank.Jump forward 35 years and positions at UBS, RBS and ABN AMRO, Anne has put herself out there as a forward-thinking banker who has spotted huge potential in the world of digital banking.Unable to have her vision realized as Allied Irish Banks’ Chief Operating Officer, Anne broke away and developed Starling, an innovative and exciting new way for customers to bank.We chat to Anne about:Quitting her job in traditional banking, moving to London and deciding to start her own bankRaising money as a female founder for her unusual initiativeThe type of culture and ethos they are trying to buildHer ambitions with Starling in the futureA typical day for AnneHer advice to entrepreneursLinks:Starling BankFor more visit secretleaders.com
Welcome to the Tearsheet Podcast. I'm Zack Miller. Open Banking is a concept that's been thrown around and prognosticated on for years. With last year's European regulation, we expected to see a world of banking interconnectivity, where users' data went everywhere they permissioned it. Anne Boden, the founder and chief executive officer of Starling Bank, told Bloomberg last week: “The U.K. still hasn’t seen the hockey stick of growth in disruptive new players everybody was predicting.” So, where are we with Open Banking? Our guest today is Safwan Zaheer, head of the fintech practice for KPMG in the U.S. We talk a lot about Open Banking, where were are today and where we might be headed. We look at what's behind this move of Open Banking and explore popular misconceptions about Open Banking. Here's my conversation with Safwan.
Our hosts, Simon Taylor and Ross Gallagher are joined by two great guests: Bill Gajda, Head of Global Strategic Partnerships at Visa and Dr Sian Lewin, The Reg Doctor. First up, Gambling Blockers aren’t just a gimmick. Monzo and Starling’s gambling blockers have gained praise in the BBC for helping addicts kick the habit. More than 25,000 customers have signed up to Monzo’s block since it went live in June. "Not all of those were problem gamblers [but] about 8,000 people did have a history of gambling," says Mr Blomfield. We have a great interview with Simon Vans-Colina, Engineer at Monzo to hear more. ‘Starling is now the Amazon of banking. Come get an account’. Telegraph article gives an overview of Starling and Anne Boden’s achievements, and clearly followed her about for the period of time where she was pitching to billionaires for funding. Somehow this leads onto a discussion of their marketplace APIs and how this makes them akin to Amazon in the banking world. This is a VERY flashy headline, but is there substance to it? Funding Circle’s shares plummet as they float. Share prices fell by a quarter on their first full day of trading. The flotation valued the company at £1.5bn but by the end of Wednesday its market valued had fallen to £1.25bn. The collapse wiped millions from the paper fortunes of the company’s three founders, who owned 17% of the firm. Klarna raises $20M from H&M, will build financing and payment services for the fashion retailer. H&M invests $20M in Klarna to build an “omni-channel” payments service across both physical and online store fronts. Klarna says the deal will cover “frictionless” in-store, mobile and online payments across the company’s whole footprint, a better delivery and return process, and more flexible payment options, including “try before you buy” pay later services, to be delivered through H&M’s app and its Club loyalty program. We have an illuminating interview with Aoife Houlihan, VP Communications and Public Policy at Klaran to learn more. I spent 53 minutes in Amazon Go and saw the future of retail. There are no cashiers, cash registers, or even self-service checkout stands. You simply walk in, grab what you need, and go. Amazon bills your credit card as you pass through the turnstile on your way out. Moments later, an app in your phone provides a receipt detailing what you've bought, what you paid, and even how long you spent inside. Ireland vs Google on data breaches. At least two U.S. states and two European Union member states are investigating a breach at Alphabet Inc’s Google that may have exposed private profile data of at least 500,000 users to hundreds of external developers. The investigations follow Google’s announcement on Monday that it would shut down the consumer version of its social network Google+ and tighten its data-sharing policies after a “bug” potentially exposed user data that included names, email addresses, occupations, genders and ages. £9bn pulled from UK company funds since Brexit vote. According to figures from the Investment Association, retail investors have pulled large sums from UK equity funds on a monthly basis since the vote in June 2016. Figures for August 2018 also show the first net loss of investment, on aggregate, across all funds available for sale in the UK since the referendum, including those invested overseas. Investors pulled £217m from UK authorised funds over the month. Got £20 a month to spare? Santander has a robo-advisor just for you. The bank's Digital Investment Adviser (DIA) guides people through straightforward questions about their current financial position, what they want to achieve and assess the level of risk they are prepared to take with their money. Customers can choose to select specific long-term investment goals, such as paying for a child’s wedding or a property. Sila - the new venture from the creator of Simple Bank. Shamir Karkal, Co-founder of Simple, is the CEO of newly created Sila, whose mission is to “empower developers by providing open-source infrastructure for the fintech companies of tomorrow” What they are: an API platform and suite of developer tools supported by a new regulatory-compliant, fiat-backed tokenized means of exchange — the Sila Token — that allows developers to rapidly build fintech applications and bring them to market. And finally, In top hat and tails, Spanish debt agents prosper. “El Cobrador del Frac”, the name of a company which specializes in sending men dressed like extras from a 1930s Fred Astaire movie to humiliate debtors into paying up. Its business is booming. All this and so much more on today's episode of Fintech Insider! Subscribe so you never miss an episode, leave a review on iTunes and every other podcast app. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com This week's episode was written and produced by Laura Watkins. Edited by Michael Bailey. Special Guests: Aoife Houlihan, Bill Gajda, Sian Lewin, and Simon Vans-Colina.
Tom Blomfield, founder and CEO of Monzo Bank and Anne Boden, founder and CEO of Starling Bank share their approaches to challenging the British incumbents and their differing paths to growth.
Anne Boden on getting the impossible done
The world is changing - this is your future. In this new podcast series from The Telegraph Harry de Quetteville examines how technology will change our day-to-day lives; from the cash in your pocket, to how we build our careers and the ways we stay healthy. In each episode Harry speaks to innovators whose bleeding edge technologies are disrupting the status quo and gets the clearest possible view of how our lives will be changed as a result. This first episode addresses the future of money - how fintech, mobile technology and cryptocurrencies will change the way we get paid, bank and spend over the next few years. Is the fate of cash already sealed or are predictions of the death of coins and notes premature?Follow Harry's journey as he gathers the insights of Anne Boden, CEO of mobile banking start-up Starling Bank, Michael Rolph, co-founder of Yoyo Wallet, Marieke Flament, European MD for Circle, and Dr Tatiana Cutts, assistant professor of law at the London School of Economics.
Today’s episode is like a crystal ball glimpse into the future of banking, narrated by my guest, Anne Boden, the thoughtful and charismatic Founder and CEO of Starling Bank in the UK. Anne has years of experience at large banks, including in IT roles. At one of them, she led an effort to develop an innovation transformation. It brought her to a critical conclusion: that the only way to create a really innovative bank is to start “from scratch.” When the UK government in 2013 responded to the financial crisis with a new type of charter, Anne founded Starling. Starling was the first of what the UK calls “Challenger Banks,” designed to foster increased market competition. It is also a “digitally-native” bank, built as a fully digital business, for the digital age. Starling is mobile-only. It operates on open platform principles and leverages the new personal data rules in Europe. These say that financial data belongs to the consumer, not the bank, and require companies to implement the customer’s instructions to share account information with any entity the consumer chooses. Among other things, this makes bank accounts “portable,” and also give customers the right to terminate such arrangements and to control how the data can be used. Building on this is a new emerging business model that is, again, essentially a platform. In Starling’s case, they take deposits and do payments, and then they operate what they call a “marketplace” with specialized partners that offer their customers everything from mortgages to insurance, to an array of financial management tools. One result is efficiency. Anne says 100 or 150 people can do work that needs 10,000 at a large bank. Another is innovation. She talks about how hard it is to seed and propagate an innovation culture at traditional banks, and why they can’t just buy the technology they need and plug it in. As she puts it, “some poor CIO somewhere has to be brave enough to press the button.” Anne also notes that the as the platform model disaggregates traditional functions, the front end of the chain -- the customer relationship and interface -- might separate off and end up in the hands of Google, Facebook or Twitter. Our conversation included her insights on how this new model will evolve; the roles of each partner; why Starling chose to become a bank instead of offering a prepaid card; and how hard it is to do that -- the high attrition rate among those that attempt it. Starling customers (who, by the way, are not just millennials) have a new kind of financial life. They can simply ask Starling, by voice, whether they can afford to buy a car. They can opt to have bank statements itemize by a given shop, right down to the cheese sandwich and the diet coke. Anne says they could add calorie counts to that and can integrate it with health information from the fitness app, and suddenly, money, lifestyle, and health are integrating in new ways. More on Anne Boden Three decades ago, Anne Boden pioneered the UK’s first same-day payment service – and in the process transformed the future of electronic money. Today, that revolutionary zeal continues to inform her work at Starling Bank, the mobile-only current account app she launched earlier this year. Recently recognized as one of the Global Power Women in FinTech, Anne’s worked at a senior leadership level across some of the world’s best-known financial heavyweights, among them Lloyds and Royal Bank of Scotland. It was during her tenure as CEO of Allied Irish Banks, however, that she began to explore the exciting potential of financial technology for transforming customer’s everyday lives. At heart a tech startup with a banking license, Starling is a challenger bank built on a foundation of disruptive emerging technology, competing with traditional legacy banks and helping people develop a healthier relationship with their money. More for our listeners Upcoming shows will include Cross River Bank CEO Gilles Gade; Michael Wiegand, who heads the Gates Foundation’s work on financial services for the poor; NerdWallet CEO Tim Chen; and the CEO’s of two community banks -- Eastern Bank and Radius bank. And there’s much more in the pipeline!. I hope to see you at upcoming events including: CFSI’s Fintech and the Federal Government: How Policymakers and Startup Companies are Exploring Financial Innovation, March 15, U.S. Senate, Washington Innovate Finance Global Summit, March 19-20, London, UK Regulation and Innovation in the Age of FinTech, with FSD Africa, Cambridge Centre for Alternative Finance and RegHub, March 22-23, London, UK Lendit Fintech USA, April 9-11, San Francisco, CA Bank Director, The Reality of Regtech, April 18, New York, NY Texas Bankers Association Annual Conference, May 3, Houston, TX Women Corporate Directors Global Institute, May 10, New York, NY Comply 2018, May 16, New York CFSI’s EMERGE, June 6-8, Los Angeles, CA American Bankers Association Regulatory Compliance Conference, June 26, Nashville -- I’ll be moderating a general session panel on regulation and AI, and also teaming up again with the ABA for some special podcasts. As always, please remember to review Barefoot Innovation on iTunes, and sign up to get emails that bring you the newest podcast, newsletter, and blog posts, at jsbarefoot.com. Again, follow me on twitter and facebook. And please send in your “buck a show” to keep Barefoot Innovation going! Support our Podcast Subscribe Sign up with your email address to receive news and updates. Email Address Sign Up We respect your privacy. Thank you!
I always love it when we find innovation in unexpected places, not just in the financial products and channels and regulatory issues we discuss, but also in people inventing new ways to get things done. Today’s guests talk about taking a very old kind of entity -- the industry trade association -- and updating it for the 21st century financial world. As often happens with innovation, the thing that’s new is actually very simple, maybe even obvious, and yet when you set it in motion, things change. That’s what has happened in the UK in 2014 with the creation of a new trade group called Innovate Finance. As its name conveys, it focuses on fintech innovation. What makes it so innovative and interesting to me, though, is that it has drawn members from the whole financial innovation ecosystem. They have startups, and also banks, and also the other players in the space like consulting and law firms, all actively working with regulators -- and with like-minded companies and governments throughout the world -- all on the same issues at the same time. My guests are the group’s CEO, Charlotte Crosswell, as well as Dan Morgan. At the time of our recording, Dan was the head of policy for Innovate Finance. He has since moved on to be the FinTech Sector Specialist at the UK Department for International Trade, still working on the same issues. His move was already in progress when we recorded this episode, and I’m glad we were able to get his thinking into the dialogue. When I find myself admiring innovation outside the U.S., I always have to note that other countries have a simpler system than we do here, in terms of both industry structure and regulatory framework. Our listeners have often heard me worry that the U.S. system, and especially our multi-agency federal regulatory design, is holding us back. The UK has both a less complex banking system and basically only two regulators, which has clearly helped make them the world leader on the regulatory side of innovation (I’ll link to our podcasts with two of their top regulators in the show notes) and also one of the leaders in fintech, too. It may be that this regulatory environment is one reason that Innovate Finance could form around the full spectrum of financial entities. In the US, our established trade associations are of course working hard to address both industry and policy issues in fintech and regtech. We’ve also had new trade groups form in the last few years, organized by fintechs and/or by big tech companies interested in the financial space. So far, though, we don’t have anything like Innovate Finance (although I know a few people thinking about starting one). Whatever structures emerge over time, I think everyone can learn lessons from how Innovate Finance operates, and especially how it brings both incumbents and newbies into the very same discussions, the same problem-solving, together. The more I work with financial innovation, the more I know for sure that the main solution is in collaboration. Choose your metaphor -- it can be breaking down silos, or cross-pollination, or weaving separate strands together. The only way to figure out what to do, and to move quickly, is by getting the disparate kinds of players together, all the time, as a new way of life. So, you’re going to enjoy hearing Charlotte’s and Dan’s thinking. They talk about the secrets to making this happen, why it’s easier in the UK, and why it’s getting easier for banks to innovate (hint -- that too is about breaking silos). They describe regulators who are not merely accepting change, but are helping to drive it proactively, and who have explicitly adopted an “ecosystem” approach. They describe an emerging world of shared problem-solving in areas like AML, identity and consumers owning their own data. They talk about trends among regulators around the world. Importantly, they also describe their upcoming conference, the IFGS -- Innovate Finance Global Summit in London, March 19-20. I spoke last year and will this year again, and can say with confidence it’s one of the world’s very best. It will be back again in the beautiful, historic Guild Hall, where somehow old and timeless meets new and thrilling in a very happy mix. More on Charlotte Charlotte Crosswell is CEO of Innovate Finance. She has spent most of her financial services career in market infrastructure roles, including as CEO of Nasdaq NLX (“NLX”), a London-based startup derivatives market, and serving on the board of LCH Ltd. She’s also held management positions at Nasdaq and London Stock Exchange across international capital markets, equities, xed income, OTC derivatives trading and clearing. In addition to her current work with Innovate Finance, Charlotte advises and sits on the boards of a number of technology and FinTech startups. She holds a BA with honors in French from the Southampton University and has been included in the list of top 100 Women in Finance over many years. More on Dan Dan Morgan is the FinTech Sector Specialist at the UK Department for International Trade. At the time we recorded this episode he was Head of Policy and Regulation at Innovate Finance, where he led development of member policy specialist groups in digital currencies and Blockchain, payments, access to finance and data. Dan also led the Innovate Finance FinTech 2020 Manifesto and secretariat support for the FinTech APPG. He previously held senior policy roles at a number of business groups including the CBI, BRC and ABI. Dan has worked across a range of sectors and policy areas including insurance, SME finance and retail tax reform. More links Podcast with Sanjay Jain Podcast with UK regulator Chris Woolard Podcast with UK regtech lead Nick Cook More for our listeners Here are some of the shows coming up. We’ll have Cross River Bank CEO Gilles Gade, talking about the “sponsor bank” model for fintechs working with banking partners. We’ll be back in London with the CEO of Starling Bank, Anne Boden. We also have conversations with Michael Wiegand, who heads the Gates Foundation’s work on financial services for the poor. Back in the US we’ll have shows Nerd Wallet CEO Tim Chen and the CEO’s of two community banks. I hope to see you at upcoming events including: CFSI’s Fintech and the Federal Government: How Policymakers and Startup Companies are Exploring Financial Innovation, March 15, U.S. Senate, Washington Innovate Finance Global Summit, March 19-20, London, UK Regulation and Innovation in the Age of FinTech, with FSD Africa, Cambridge Centre for Alternative Finance and RegHub, March 22-23, London, UK Lendit Fintech USA, April 9-11, San Francisco, CA Texas Bankers Association Annual Conference, May 3, Houston, Texas Bank Director, The Reality of Regtech, April 18, New York, NY Texas Banker’s Association Annual Conference, May 3, Houston, TX Woman Corporate Directors Global Institute, May 10, New York, NY Comply 2018, May 16, New York CFSI’s EMERGE, June 6-8, Los Angeles, CA American Bankers Association Regulatory Compliance Conference, June 26, Nashville -- I’ll be moderating a general session panel on regulation and AI, and also teaming up again with the ABA for some special podcasts. As always, please remember to review Barefoot Innovation on iTunes, and sign up to get emails that bring you the newest podcast, newsletter, and blog posts, at jsbarefoot.com. Again, follow me on twitter and facebook. And please send in your “buck a show” to keep Barefoot Innovation going! Support our Podcast Subscribe Sign up with your email address to receive news and updates. Email Address Sign Up We respect your privacy. Thank you!
With trust in banks to hold and maintain the privacy and security of personal information higher than any other type of institution and twice as high as new digital-only institutions or fintechs. The episode this week will focus on how digital-only providers can position themselves as a main financial insitution for consumers. Sarah Hollinshead, Head of Content at RFi Group caught up with Anne Boden to dicsuss Starling Bank's new Marketplace offering, as well as how they are championing customer experience, engagement and trust to drive the MFI relationship amongst their consumers Chloe James, Group Media Director at RFi Group spoke with Eric Wilson, CEO and Founder of Xinja about their launch and being the first-ever neo bank within Australia, their equity crowd funding and customer acquisition approach and their expansion plans for the horizon. The Global Digital Banker Podcast series is focused on key trends, market insights, thought leadership and best practice within the fast growing and dynamic world of digital banking. www.globaldigitalbanker.com
Minter Dialogue Episode #267 Anne Boden is the founder and CEO of Starling Bank, a brand new online bank in the UK, that she started in 2014 and got licensed in 2016. Anne who comes with a heavyweight executive experience in the banking world (ex-COO of Allied Irish Banks and Head of EMEA, Global Transaction Banking for RBS and ABN AMRO) is an entrepreneur and pioneer on a mission. This podcast comes hot on the heels of Starling having just won "Best British Bank" and "Best Current Account" at the @BritBankAwards. In this podcast, we discuss Anne's journey, the challenges of being a challenger, her biggest surprises, her blueprint for success, open banking, fintech and much more. Meanwhile, please send me your questions as an audio file (or normal email) to nminterdial@gmail.com; or you can find the show notes and comment on minterdial.com. If you liked the podcast, please take a moment to go over to iTunes to rate/review the podcast. Otherwise, you can find me @mdial on Twitter. Support the show (https://www.patreon.com/minterdial)
Today’s guest is a familiar name and face for everyone who follows U.S. politics. He is Tim Pawlenty, CEO of the Financial Services Roundtable. Tim was previously Governor of Minnesota and became well-known to most of us when he ran for the 2012 Republican presidential nomination. He’s been a prominent voice on public policy for many years. He was also a speaker on a panel I moderated last fall at Money 2020 on financial innovation and regulation. We decided to continue that conversation back in Washington at his office at the Roundtable, which is the trade association representing the largest U.S. banks and financial companies. Tim is one of the most thoughtful people we’ve had on the show, with perspective on all the issues and strong opinions, clearly expressed. He shared his predictions for how fintech will, and won’t, change banking, including its competitive structure, and including the likelihood of rising competition for the customer’s trust. He talks about the big tech companies competing with banks not in terms of whether it will happen -- he thinks that’s a given -- but rather when and how, and how that will ultimately be regulated. He has thoughts on the respective strengths and weaknesses of banks versus companies like Amazon or Apple. He thinks cybersecurity is the top challenge and talks about the foundational, structural difficulty of taking the internet -- which was designed to be open and distributed -- and trying to plug its security gaps with patches (he cites a Roundtable event where Steve Wozniak offered somewhat discouraging advice on this). Tim is an optimist that technology will make financial services vastly better for most people. He’s also an optimist about banks and fintechs finding synergies and increasingly partnering. He thinks a few -- a very few -- fintechs, will change the world. He’s less optimistic about U.S. financial regulators getting good at truly coordinating as technology changes finance. As he puts it, the regulatory structure is horizontal, not vertical. That will make it hard to develop the harmonized thinking, and actual standards, that could help the system move forward. Big banks will play an enormous role in shaping the digital transformation of finance. More than small banks, they have the resources to be innovation leaders. More than fintechs, they have both resources and also expertise in how to be regulated companies, which takes some learning. More than either, they’ll be going head-to-head with big tech entrants into finance. At the same time, more than any of these other players, big banks are hard to change, by virtue of sheer size and history and also the legacy of being, in some ways, creatures of regulation. They are often on the defense on regulatory and political and public concerns about banking. Tim Pawlenty says banking is the “plumbing” of the economy, and therefore needs to work. I would add that big banks are the main pipes. When they do innovation well, their many millions of customers will benefit -- most financial consumers today are served by these large institutions. If they do innovation badly, or if the regulatory process impedes the move to modernize them, the future will be a whole lot more complicated. As he says, the plumbing has to work. Here are other episodes we’ve done with innovation leaders at large banks -- Wells Fargo, Citigroup, and US Bank. More on Tim Pawlenty Tim Pawlenty is President and CEO of the Financial Services Roundtable, which represents the leading financial service companies in the United States. He previously served as Governor of the State of Minnesota (2003-2011), overseeing a $50 billion biennial budget, 30,000 employees and over 20 agencies and departments. As governor, he was also responsible for disaster preparedness and response, appointment of judges, and serving as Commander-In- Chief of Minnesota’s National Guard. His work as governor included promoting international business opportunities through trade missions to nine countries. He chaired the State Board of Investment, which addressed more than $60 billion in investments. His education, health care and energy initiatives were widely cited as among the most innovative in the nation. Mr. Pawlenty served as Chair of the National Governors Association (2007-2008), Chair of the Education Commission of the States (2008-2010), and Chair of the Midwest Governors Association (2006-2007). From 1986 to 2000, Mr. Pawlenty practiced law in the areas of criminal prosecution, civil litigation and appeals. He was also Vice President of Corporate Development for Wizmo, an early stage technology services company. He has been a board member of numerous companies. Mr. Pawlenty served in the Minnesota House of Representatives (1993-2003) where he was elected Majority Leader by his colleagues (1999-2003). He received a B.A. from the University of Minnesota with Phi Beta Kappa and PhiKappa Phi honors. He received his J.D. from the University of Minnesota Law School. More links The Roundtable’s BITS organization The lending company Tim mentioned: https://www.greenskycredit.com/ The conference at which we both spoke the next day: http://www.regtechenable.com/ More for our listeners In case you missed it...be sure to listen to our recent show with Nick Cook of the UK Financial Conduct Authority on The Future of Regulation. Especially if you’re a regulator, or know some regulators, this one is recommended listening on how we can move to digitally-native regulation. We have wonderful shows coming up. One is with Cross River Bank CEO Gilles Gade, talking about the “sponsor bank” model for fintechs working with banking partners. We’ll have two in London, with the CEO of Starling Bank, Anne Boden and another with Innovate Finance CEO Charlotte Crosswell. We also have conversations with Michael Wiegand, who heads the Gates Foundation’s work on financial services for the poor and Nerd Wallet CEO Tim Chen. I hope to see you at upcoming events including: Harvard Kennedy School Business and Government Club, February 14, Cambridge, MA Innovate Finance Global Summit, March 19-20, London, U SWIFT Business Forum, March 21, Toronto, ON Bank Director, The Reality of Regtech, April 18, New York Texas Bankers Association Annual Conference, May 3, Houston, Texa Comply 2018, May 16, New York CFSI’s EMERGE, June 6-8, Los Angeles, C American Bankers Association Regulatory Compliance Conference, June 26, Nashville -- I’ll be moderating a general session panel on regulation and AI, and also teaming up again with the ABA for some special podcasts. Support our Podcast As always, please remember to review Barefoot Innovation on iTunes, and sign up to get emails that bring you the newest podcast, newsletter, and blog posts, at jsbarefoot.com. Again, follow me on twitter and facebook. And please send in your “buck a show” to keep Barefoot Innovation going. Subscribe Sign up with your email address to receive news and updates. Email Address Sign Up We respect your privacy. Thank you!
This is the most fun show we’ve done in ages, or maybe ever. My friend Jean-Stephane Gourevitch offered to gather some really interesting people in London to talk about the data economy. We finally sat down last fall, during London’s Regtech Rising conference, and wow, did we talk. Jean-Stephane himself is French, based in London, and works with fintech startups throughout the world. His guests were, first, Edward George, who leads both research and the UK representative office for the pan-African bank, Ecobank. We also had Fiona Ghosh, a top London lawyer in the financial and fintech space -- Fiona is a partner at Addleshaw Goddard. Our other two participants have both founded young fintechs. Lukas Zoerner is CEO of Mespo, a fully independent robo money saver. And Luca Schnettler, from Germany, has founded HealthyHealth, which uses data to change the insurance world and to make people...healthier. We had an incredible conversation. We talked about how Europe’s new data regulations -- PSD2 and the GDPR -- will change banking and fintech (which, by the way, is a revolution that’s being under-discussed in the United States). We covered the opportunities that fintech is opening up in the developing world and especially Africa, where suddenly it’s possible, through the mobile phone, to bring banking to hundreds of millions of people who couldn’t be profitably served before. We talked about the future of cash. We figured out what regulators need to do. For me, probably the most riveting moments were a debate that broke out between the two fintech CEO’s -- both millennials -- who turned out to have strikingly different views about how data should be used, and also about consumers’ responsibility for securing their own wellbeing. I’ve never heard a discussion quite like it. So, we had six people around the table, counting me. It was a yeasty mixture of nationalities, languages, ages, continents, professional expertise, products, and target markets -- and with everyone having a whole lot to say. More about today’s guests Jean-Stephane Gourévitch Jean-Stéphane is an expert of the strategic, public policy and market aspects of digital/mobile payments, mobile money, digital/mobile banking, digital/mobile commerce, fintech, the data economy and innovation ecosystem with over 25 years global experience at senior management levels and a mix of corporate and entrepreneurial experience. He has held senior management positions with International telecom operators including Everything Everywhere Ltd. (EE), Orange, France Telecom, Verizon Business, Colt Technology Services Ltd. He has worked for OFCOM, the UK digital communications regulator. He also has held senior positions with Deloitte Consulting and with strategic marketing and PR/Communications firms. Jean-Stephane created his own management consulting company 5 years ago, combining strategic, public policy and commercial vision about digital convergence, fintech, insurtech and the data economy. He also has global experience mentoring and advising entrepreneurs and start-ups, in particular very young entrepreneurs. A frequent speaker on fintech, payments and insurtech, Jean-Stephane has addressed events such as Fintech Connect Live, Pay Expo, and Money2020. He is also an independent conference director, creating programs/content for major conferences such as Fintech Connect Live in London, INPAYCO Digital Payments in Toronto and Paris, Mobile Payments: Regulation, Risks and Opportunities in Berlin and London, the Africa Fintech Forum in Abidjan, Ivory Coast. As a mentor and advisor to 24 fintech, insurtech and digital technologies startups and to young entrepreneurs in Europe, Africa, Asia, Latin and North America, Jean-Stephane’s expertise lies in strategy, business development, regulatory affairs, public policy, Government Relations, stakeholder relationships management, communication and PR. Edward George Twitter @DrTeddGeorge Dr. Edward George is the head of the UK representative office of pan-African bank, Ecobank, as well as being head of group research. Edward oversees the teams in the London office, with a focus on corporate banking, financial institutions/international organisations and research. As head of research he also manages a team of nine analysts based across Middle Africa covering the fixed-income, currencies and commodities space. His specialties include soft commodities and agribusiness, trade and trade finance, and disruptive technology. Edward is also the bank’s specialist on Francophone West Africa and Lusophone Africa. Prior to joining Ecobank in March 2011 he worked for The Economist Intelligence Unit (EIU) for seven years as a Senior Editor in both the Commodities and Africa Departments. There he was responsible for producing and editing reports on Lusophone and Francophone Africa, as well as on 25 industrial raw materials, food, feedstuffs and beverages. Before joining the EIU, Edward worked as a freelance writer covering the politics and economics of Sub-Saharan Africa. A linguist by training, Edward is fluent in French, Spanish and Portuguese and holds a PhD in Political Science from the University of Bristol. His PhD thesis on the Cuban intervention in Angola was published as a book by Routledge in 2005 and as a paperback in December 2012. Luca Schnettler Luca started HealthyHealth in January 2017 to realize his vision of using digital means to innovate the insurance sector and help customers become healthy individuals. Before having any partners or advisors, Luca was able to persist and focus on the objective, following his goal and passion of building a company that truly changes customers perception on Insurance and helps them to improve their health. Lukas Zoerner Twitter @lczoerner Lukas Zoerner is the Founder and CEO of Mespo, a fully independent robo money saver that detects and executes savings opportunities for consumers. Mespo has established a UK's market first partnership between a FinTech such as Mespo and a Credit Union, My Community Bank. Mespo won the UK's Fintech For All 2017 Financial Inclusion challenge in the category "New Fintechs". Lukas previously worked in Morgan Stanley's investment banking division advising Power & Utility companies across EMEA. He holds a degree in business administration from the University of Mannheim in Germany. Fiona Ghosh Fiona is a Partner in Addleshaw Goddard's Commercial Group, specialising in complex commercial, IS, payment and FinTech arrangements, particularly in the financial services sector where she has focused her practice for more than a decade. Fiona heads the firm’s FinTech Group. Her work has included bringing new payment solutions, including ApplePay, Samsung Pay and Android Pay, to market. She is an appointed expert on the editorial board of the Payments & Fin Tech Lawyer journal. Fiona's expertise also includes outsourcing and other complex commercial arrangements in the investment banking, retail banking, insurance and asset management sectors. She has longstanding experience in strategic advisory work, negotiation and drafting of multijurisdictional business process outsourcings, including back and middle office, platform integration, facilities management and global administration services for multinational corporations, banks, asset managers and global insurers. A leader in her field on advice relating to strategic alliances and joint ventures, Fiona has led several international joint venture arrangements for the provision of pensions, credit cards, loans, mortgages and related insurance products acting for both retailers and for providers. She also specialises in advising in the field of retail payments including payment services and commercial arrangements relating to digital and mobile payment solutions, payment aggregation and merchant acquiry in the UK, US and further afield. Fiona is a regular speaker at international conferences and events on FinTech and payments law including Pay Expo Europe, the Westminster Forum Projects and Digital Payments Intensive. More Links Ecobank Research portal Ecobank Twitter account: @ecobankresearch Edward George: ‘Banks are in danger of becoming utilities’ Africa FICC It’s the disruption that matters All Hands on Bank: How Mobile Banking is Changing Personal Finance AG Elevate GDPR PSD2 Sanjay Jain Podcast on Barefoot Innovation AFI Podcast on Barefoot Innovation More for our listeners Watch for our upcoming shows, including two more from London. One is with the charismatic CEO of Starling Bank, Anne Boden (who was referenced in today’s show with high praise), and the other is with Innovate Finance CEO Charlotte Crosswell. Back in the U.S., we’ll have three fascinating CEO’s -- Financial Services Roundtable head Tim Pawlenty; Nerd Wallet CEO Tim Chen, and Cross River Bank CEO Gilles Gade. We also have an inspiring conversation with Michael Wiegand, who heads the Gates Foundation’s work on financial services for the poor. And we’re going to do a special one in San Francisco with my cofounders of Hummingbird Regtech -- so, stay tuned! I’ll hope to see you at upcoming events where I’ll be speaking: March 19-20 - Innovate Finance Global Summit - London April 18 - Bank Director, The Reality of Regtech - New York, NY May 3 - Texas Bankers Association Annual Convention - Houston, TX (and here’s the cover story I wrote for their magazine, on innovation and community banks) May 16 - Comply 2018 - New York, NY June 26, American Bankers Association Regulatory Compliance Conference - Nashville TN As always, please remember to review Barefoot Innovation on iTunes, and sign up to get emails that bring you the newest podcast, newsletter, and blog posts, at jsbarefoot.com. Again, follow me on twitter and facebook. And please send in your “buck a show” to keep Barefoot Innovation going. Till next time, keep innovating! Support our Podcast Subscribe Sign up with your email address to receive news and updates. Email Address Sign Up We respect your privacy. Thank you!
What if regulation, as we know it, might disappear? Regulation will never stop, of course, but what if some of it will take on a new form, shaped by technology? What if we’re entering into a new era of what we could call “digitally-native” regulation, that’s as agile and intuitive about regulation as digitally-native consumers are about consumer technology? Of all the shows we’ve ever done, I think this is the most mold-breaking and thought-provoking. My guest comes from the agency that is leading the world in modernizing financial regulation for the digital age, and he leads the team that’s doing it. Nick Cook is the head of Regtech and Advanced Analytics for the United Kingdom’s Financial Conduct Authority. The FCA’s innovation leadership is world-renowned, especially for their Project Innovate and its “regulatory sandbox,” which allows careful testing of new financial technology that could benefit consumers. Less well-known, though, is a newer initiative, launched about 16 months ago, to explore regtech. As we’ve discussed in other shows, the term “regtech” is used in two ways. It refers both to regtech for regulators -- technology to enhance their own activities, and to regtech for the industry, to improve or streamline regulatory compliance. The FCA is working on both halves of this equation, and true to form, they’ve invented an innovative way to explore it. They aren’t using a sandbox for regtech (although the Bank of England has a sandbox-like “Fintech Accelerator”). Instead, Nick’s team has been convening what they call “tech sprints.” They invite a diverse set of participants -- banks, fintechs, tech companies, lawyers, consultancies, academics and others -- to come together for problem-solving exercises designed like hackathons. Sometimes for a day or two, and sometimes longer, they work on how new technology could be applied to a regulatory challenge like “digitizing” the rule book or streamlining regulatory reporting. Nick and I recorded this discussion at the Regtech Enable conference in Washington in December, where he had just shared an update on their work from the stage. At the time, they were in the midst of a two-week sprint that had two objectives. The first is to try to make regulatory reporting requirements “machine-readable,” and therefore much easier to navigate, including for innovative companies that often struggle just to know what rules apply to them. The second -- even more profound -- is to explore whether some regulations can also be made “machine-executable” -- could regulatory guidance, in some cases, be issued in the form of computer code, and therefore be self-implementing? This is an idea that’s been under discussion for about a year, including at a regtech roundtable I hosted last spring as a Senior Fellow in the Harvard Kennedy School Center for Business and Government. The same conversations have included a second concept the FCA is also pursuing, namely that new, high-tech regulation should be introduced gradually and should be optional for the industry. Gradual rollout would enable policymakers to start small and learn, while voluntary adoption opens up a practical road to changing our complex system with minimal disruption. The FCA’s tech sprint on machine executable reporting ended a few days after we recorded this podcast. They will be sharing its results in the coming months, so be sure to watch for it! Let’s step back and think about what’s underway here. Finance is being transformed from analog to digital design. And, right behind it, so is regulation. Digitization will do for both -- for finance and financial regulation -- what it does for everything else. That is, it will make them faster, better, and cheaper, and will create a new foundation on which people will innovate further, in ways we cannot yet envision. A striking thing about my talk with Nick is how different he sounds from traditional regulators. It’s hard to put your finger on exactly why, but I think it’s mainly the comfort he displays with uncertainty. The same trait was evident in my earlier podcast with Christopher Woolard, who heads the FCA’s innovation strategy. Somehow this agency manages to be simultaneously bold and humble. They know they don’t have this all figured out. They even know they can’t figure it out by themselves. But they also know they can move forward, and that the way to do so is by engaging a community of diverse experts to work together. As Nick says, that can be scary, but the risks come way down, for regulators and everyone else, when solutions are developed collaboratively by people who believe in its potential to make regulation better. I hope this episode finds its way to many regulators, including those in the US where our agencies are actively exploring innovation agendas. Nick says regtech should be easier for regulators than fintech change is. For one thing, the companies leading it are generally not regulated entities, which makes them easier to work with. In addition, no consumers are affected by regtech experimentation. It’s about how the regulators can do their own jobs better, and/or can enable financial companies to do the same. As he puts it, regulators can, therefore, put “a toe in the water,” in regtech, and then move forward. My friend Andrew Burt of Imuta and Yale Law School helped design the FCA’s December sprint and has put out a white paper on it. And here is the FCA’s great video on how tech sprints work. So, I’m not naive. I’ve been a bank regulator, a U.S. Senate staffer, and I’ve worked in regulatory compliance for decades. Technology won’t magically make regulation easy. These solutions won’t fit some types of regulation, and where they do fit, they will inevitably create new problems. We all know all that. Still...Digitally-native regulation. Think about it. More on Nick Cook Nick leads the FCA’s RegTech activities, including the FCA’s TechSprint events - the first events of their kind convened by a financial regulator. He is responsible for creating the FCA’s Analytics Centre of Excellence to drive the organization’s use of data science, machine learning and artificial intelligence. Nick is the FCA’s representative on the European Securities and Markets Authority’s (ESMA) Financial Innovation Standing Committee and an advisor to the RegTech for Regulators Accelerator Programme. Nick joined the Financial Services Authority (the FCA’s predecessor) in 2009, initially in its Enforcement and Market Oversight Division. Prior to joining the regulator, Nick qualified as a chartered accountant at KPMG Forensic. Other links Podcast with Sanjay Jain on the “India stack” technology Podcast with Miles Reidy on regtech More for our listeners Just before Christmas, I finished my 7 week, three-continent “World Tour.” I think 2017 was the pivotal year for moving both fintech regulation and regtech toward becoming priority issues at regulatory agencies throughout the world. 2018 will take it all to the next level. We’re starting the year with amazing shows in the queue. We’ll have a fascinating London conversation with the charismatic CEO of Starling Bank, Anne Boden; another with Innovate Finance CEO Charlotte Crosswell; and another with a group of amazing innovators working in Europe and Africa, including Ecobank. In the U.S. we’ll have one with Cross River Bank CEO Gilles Gade; with Michael Wiegand, who heads the Gates Foundation’s work on financial services for the poor; with Financial Services Roundtable CEO Tim Pawlenty; and with Nerd Wallet CEO Tim Chen...and many more! I hope to see you at upcoming events including: OCC Bank Information Technology Conference, January 9-12, Washington, DC Innovate Finance Global Summit, March 19-20, London, UK Bank Director, The Reality of Regtech, April 18, New York Texas Bankers Association Annual Conference, May 3, Houston, Texas Comply 2018, May 16, New York As always, please remember to review Barefoot Innovation on iTunes, and sign up to get emails that bring you the newest podcast, newsletter, and blog posts, at jsbarefoot.com. Again, follow me on twitter and facebook. And please send in your “buck a show” to keep Barefoot Innovation going. And keep innovating! Support our Podcast Jo Ann Subscribe Sign up with your email address to receive news and updates. Email Address Sign Up We respect your privacy. Thank you!
I could tell I was walking into an innovation lab even before I saw the space, because I could hear the ping pong game underway as I stepped off the elevator. It was great fun to be in San Francisco, on a sunny day in early fall, to talk with Braden More, Wells Fargo’s head of partnerships and industry relations -- and to see their fascinating innovation facility, which includes what they call their R&D Garage. As Braden explains in our talk, Wells Fargo has reorganized to establish an integrated digital strategy for payments, under the leadership of their famous innovation head, Steve Ellis -- whom Braden described as the Steve Jobs of banking. They know that today’s customers expect a great digital experience, which means they won’t put up with processes that break down as they hit the old silo walls between traditional bank product groups, nor processes that merely automate old paper based, linear designs. Banking has to become fully digitized -- with all the gains in speed, cost, accuracy, and innovation that comes with digitizing anything. Not surprisingly, a lot of this episode focuses on the challenge of how you change a large organization. Big banks are anything but nimble. It’s not their fault, it’s just their nature -- their size, their complexity, and their reliance on legacy IT systems that have accumulated, in most cases, over years and decades of mergers and acquisitions, and never been fully integrated with each other. On top of that, every move that big banks make faces regulatory requirements and close regulatory scrutiny, and regulators, for good reason, tend to frown on fast change -- especially the kind championed by small fintech innovators who love concepts like “minimum viable product” and (God forbid), “fail fast.” However, all the big banks know they do have to change, and also that they have to speed up -- dramatically. That’s because the technology change is speeding up. Its curve is exponential, which means that both the opportunities and risks are outstripping organizational models and cultures that were hard-wired many years ago -- even decades or centuries ago -- for linear change. A big bank innovation model is now emerging. It usually has a few elements. There’s an innovation team, which is usually small, is charged with rapid learning. Some of it is typically walled off, so that the big organization won’t accidentally smother it. There’s a lab-type effort, with a mandate to reach beyond short term, practical applications and do some dreaming. These sometimes have an actual playful edge to them -- hence the popularity of ping pong tables and bean bag chairs. Meanwhile, other parts of big banks today are busy with projects trying to smash down some silo walls and push people into the same rooms, to work knee-to-knee on shared challenges. And there’s usually an accelerator or incubator that brings in startups and tries to learn from them, sometimes making venture investments. Wells Fargo has all this underway, and Braden explains their philosophy on how to get the best of both worlds -- both isolating ninja-style disruptors while also making innovation central to everyone’s job. If you’re a fintech, he describes their accelerator and some of its successes, including Eye-verify, which verifies customers’ identity by scanning the whites of their eyes with a phone camera, and which has been acquired by China’s huge payments innovator, Ant Financial -- Alibaba. He also tells the story of Wells Fargo incorporating Zelle’s instant payment service into the bank, and its importance to customers who need quick cash. Our conversation ranges widely, from the future of fast payments and crypto-currency to the evolution of skills needed at banks. Braden also previews coming attractions for 2018. One key: he says active online and mobile users connect with the bank every 42 hours on average -- vastly more often than traditional branch customers. Converting this rich relationship into more value for both customer and bank is a key to the future. Big banks have unique challenges in embracing innovation, but they also unique resources for solving them. A highlight of my visit was seeing the toy room. Pepper is there -- the charming talking robot. So are 3-D printers, biometric safes, and drones -- Braden gives an example of how bank can use a drone. He even talked, intriguingly, of occasionally seeing the folks in The Garage busy making things with soldering irons. You hardly ever used to see that, in a bank office. More Information Wells Fargo’s accelerator: https://accelerator.wellsfargo.com/ Podcast with Citigroup’s innovation lab Podcast with US Bank’s innovation lab Sanjay Jain Podcast Pepper the robot More on Braden More Braden More is the head of payment strategy at Wells Fargo. He and his team work across Wells Fargo to coordinate payment strategy, incubate new initiatives, and represent Wells Fargo in the payments industry. Braden also serves as the portfolio manager for the Wells Fargo Startup Accelerator, a program that mentors and invests in innovative companies. Before assuming his current role, Braden was the head of strategy and planning for Wells Fargo Treasury Management. Previously he was with Wells Fargo’s Internet Services Group, and before that held positions in public accounting, management consulting, venture capital, and competitive strategy with Deloitte, Wit Capital, and Intel. Braden graduated magna cum laude from Bowdoin College with a degree in government and legal studies. Subsequently, he earned an M.B.A. with distinction from NYU’s Stern School of Business, and a CPA license from the state of New York. Braden lives in San Francisco, where he is active as an advocate for experiential science education. He has served on the board of directors for the Exploratorium Lab and Marin Academy. His Twitter handle is @BradenMore. More for our listeners I’m about to finish what I’ve called my World Tour -- travels all over the world this fall making speeches, meeting fascinating people and, happily, collecting podcasts. I’ve learned so much, so fast, about fintech and regtech, it’s hard to absorb it all. I’ll be sharing lots of thinking in the new year. The upcoming podcasts are amazing. We’ll have one with Nick Cook, who leads the FCA’s innovation work on regtech, recorded at Regtech Enable in Washington. We’ll have Nerd Wallet CEO Tim Chen, and Cross River Bank CEO Gilles Gade. We’ll have one in London with the charismatic CEO of Starling Bank, Anne Boden and one with Innovate Finance CEO Charlotte Crosswell. We’ll also have a lively discussion with a group of amazing innovators working in Europe and Africa. We’ll have one with Michael Wiegand, who heads the Gates Foundation’s work on financial services for the poor. And back in the U.S., we’ll have a show with Financial Services Roundtable CEO Tim Pawlenty...to name a few! The 2018 schedule is filling up fast. I’ll share those events next time. As always, please remember to review Barefoot Innovation on iTunes, and sign up to get emails that bring you the newest podcast, newsletter, and blog posts, at jsbarefoot.com. Again, follow me on twitter and facebook. And please send in your “buck a show” to keep Barefoot Innovation going. And keep innovating! Support our Podcast I want to thank you for all your wonderful support this year, and I wish you a peaceful and joyous holiday season to you and yours! Jo Ann Subscribe Sign up with your email address to receive news and updates. Email Address Sign Up We respect your privacy. Thank you!
I’ve been looking forward to today’s show since my very first visit to the UK’s Financial Conduct Authority, over two years ago. It was clear even then that they were doing something completely new for a regulatory agency. They were innovating. Not just creating new regulations, but actually rethinking how to create them. Reinventing the regulatory process itself. Specifically, they were responding to the novelty and especially the rapid pace of technology change in finance by creating an innovation initiative and soon thereafter, the world’s most famous regulatory sandbox. Today’s guest is Christopher Woolard, the FCA’s head of Strategy and Competition. In this episode, he tells the story of how they first realized they had to change, how they did it, and, importantly, what they’ve been learning so far. We sat down together last month during the Money 20/20 conference in Las Vegas, where we also did a fireside chat on the regulatory stage and where, for the first time, Chris shared their new report on lessons drawn from their first several cohorts of sandbox companies. Most of our listeners know what these sandboxes are -- they’re also sometimes called reglabs, greenhouses, or a new generation of pilot projects. They’re being adopted by a leading cadre of regulators, including a few in the United States, who have realized that the speed of innovation today is outstripping traditional regulatory processes, which means policymakers are going to have to invent something new to keep up. Part of what they’re inventing are these small, safe “testbeds” where they can get hands-on with new ideas, understand them, shape them if appropriate, and generate insights to feed back into mainstream regulatory activities. The original version, really, was in the United States in the CFPB’s Project Catalyst, which inspired the FCA to build something similar. But it was the UK’s much bigger and bolder effort that then caught the world’s attention and has now inspired several dozen imitators around the world, according to Aspen Institute research. Here is an article I wrote with more on how the program is designed. The FCA itself grew out of the financial crisis, as the UK decided to separate prudential banking oversight from a new entity focused on “conduct.” In some ways the restructure mirrors the U.S. decision to create the CFPB after the crisis, except that the FCA’s remit is not limited to consumer protection. The UK Prudential Regulation Authority is now housed in the Bank of England in the old City, while the FCA inhabits contemporary offices out in Canary Wharf, in an area burgeoning with startups and financial companies converting old warehouses to cool new space. In our talk, Chris describes what the FCA is doing in both the sandbox and the agency’s wider set of innovation initiatives -- and again, what they’re learning so far. He cites the FCA’s advantage over many regulators in having a mandate that includes fostering competition. He debunks some misconceptions about the UK sandbox, including that it waives or dilutes consumer protections. He touches on their work in regtech (a topic we’ll soon return to with the FCA’s regtech head, Nick Cook, in an upcoming show). He talks about the sandbox’s global imitators and also how the UK cooperates directly with other countries to ease the path for their respective innovators. And he shares his concern that if even one of these global sandbox experiments “catches a cold,” we could see a contagious loss of confidence that could undermine regulatory innovation, worldwide. I admire the FCA’s deft mixing of a very high-profile, exciting initiative with, simultaneously, a strong note of humility. They always emphasize that they don’t have all the answers, that they’re just learning as they go. But this, you see, is actually the key. The thing they figured out -- and believe me, it doesn’t come easily to regulators (or to anyone, for that matter) -- is that it’s not going to be possible, anymore, to figure things out before acting, in the way policymakers used to do. Instead, regulatory institutions are going to have to learn to navigate permanent and daunting, technology-driven uncertainty. They won’t have the option to hold still and wait for clarity to materialize...because it won’t. They need to find ways to move ahead iteratively and collaboratively. Testing -- sandboxes and reglabs -- will be essential to that. It’s a huge change, in both process and culture, for both regulators and industry. The sooner everyone starts making this shift, the better. The FCA’s humble tone is right and wise, but my view is that this regulator has shown not only vision, but also courage. They decided to take the risk to strike out in uncharted territory, to begin to blaze a new kind of policy pathway, and they’re inspiring many others to follow them. More on Christopher Woolard: Christopher Woolard is Executive Director of Strategy and Competition, and an Executive Board Member of the Financial Conduct Authority. He’s responsible for policy, strategy, competition, market intelligence, consumer issues, the Chief Economist's department, communications and the Innovate initiative. He is chair of the FCA's Policy Steering Committee and a non-executive board member of the Payment Systems Regulator. Christopher joined the FCA in January 2013. Previously he was Group Director and Content Board member at Ofcom. He has spent most of his career in regulation or policy development including working at the BBC and in government as a senior civil servant. He is a Sloan Fellow of London Business School. Here are resources and links to items mentioned in the episode: Financial Conduct Authority Website FCA Project Innovate FCA Innovation Hub FCA Regulatory Sandbox FCA Report on Sandbox Results My podcast with Wai-Lum Kwok on Abu Dhabi’s Reglab More for our listeners I’m in the midst of a busy set of travels that will produce some fascinating podcasts. Between November 1 and December 20, I’m traveling to seven countries -- three in Asia, three in Europe, and one in Africa -- to speak on fintech and regtech for both industry and regulators. As I mentioned, we’ll have a podcast with the Nick Cook, who leads the FCA’s innovation work on regtech, recorded at Regtech Enable in Washington. We have one coming up with Wells Fargo’s Braden More on payments innovation. We’ll have Nerd Wallet CEO Tim Chen, and Cross River Bank CEO Gilles Gade. We’ll have one in London with the charismatic CEO of Starling Bank, Anne Boden and with the trade association Innovate Finance, and also a lively discussion with a group of amazing innovators working in Europe and Africa. We’ll have one with Michael Wiegand, who heads the Gates Foundation’s work on financial services for the poor. And back in the U.S., we’ll have a show with Financial Services Roundtable CEO Tim Pawlenty...to name a few! Plus, I’ll be recording a special series straight from the floor of the American Bankers Association conference on financial crimes, in December. I hope to see many of you there and at other upcoming events, including these: S&P’s Fintech Intel, December 13, New York The African Fintech Forum, December 18-19 in Abidjan, Ivory Coast www.africafintechforum.net Dutch Central Bank, December 20, Amsterdam Please remember to review Barefoot Innovation on iTunes, and sign up to get emails that bring you the newest podcast, newsletter, and blog posts, at jsbarefoot.com. Be sure to follow me on twitter and facebook. And please send in your “buck a show” to keep Barefoot Innovation going. See you soon! Support our Podcast Subscribe Sign up with your email address to receive news and updates. Email Address Sign Up We respect your privacy. Thank you!
Recorded in partnership with Tyto to discuss the launch of their 'Tyto Tech 500 Power List', which consists of the top 500 Technology influencers in the UK. Russell Goldsmith was joined by the co-founders of Tyto, Ellen Raphael, their Head of Insight together with Managing Partner, Brendon Craigie. Also in the studio were two of the top 10 technology influencers from the Power list, Dr Sue Black OBE, a Technology Evangelist and UK Government Advisor on Digital Services and Jeremy Waite, IBM's Global Leader of CMO Programs. We also hear from Anne Boden, CEO of Starling Bank.
Today’s episode is with Anne Boden, CEO of Starling Bank. I’m proud to have partnered with Starling to talk more about money, a topic I don't think we talk enough about. Starling is a mobile-only bank, and they believe everyone should be able to enjoy a healthy financial life. I love that Starling is spear-headed by a woman and Anne’s passion for helping me manage their money better. I feel its important we talk about money more, especially when pay gaps still exist and money is such an emotional subject that is often felt like a taboo. I am working with Starling on some exciting things coming up - keep an eye on my Twitter or Instagram for more news. You can get it on Android and Apple and just visit Starlingbank.com for more info and to download it. Can I also recommend their blog post called Women in Finance Charter talking all about how to get more women into senior tech positions. As CEO Anne overseas everything at Starling. After graduating in computer science and chemistry, she started her career at Lloyds Bank, where she helped implement the UK’s first real-time payments system. She worked at UBS, before becoming Head of EMEA for RBS across 34 countries. After the financial crisis, Anne spoke to people around the world about the changes in banking and technology and works to find solutions to the restrictions still imposed by outdated technology. in 2014 Starling was founded and Anne’s vision for Starling is to build the best bank account in the world. See acast.com/privacy for privacy and opt-out information.
Diane Perlman, entrepreneur and former Global CMO of startup accelerator Mass Challenge, interviews Anne Boden, CEO of mobile-only challenger bank Starling Bank. They’ll discuss Starling’s approach to innovation and experimentation in a highly regulated industry, the biggest challenges for fintech in 2017, and how to best disrupt the holds big banks have on customers.
This week in the AWS Startup Stories special, Darren talks to Anne Boden, CEO & founder of Starling Bank, about her experience on building a mobile only bank from scratch, dealing with regulators, and launching a public API Marketplace. Enjoy! AWS Startup Stories webpage: http://amzn.to/2s72MtK Starling Bank: https://www.starlingbank.com/ Starling Bank Marketplace website: https://www.starlingbank.com/marketplace/ Access episode 4 cheat sheet by submitting your details here: http://bit.ly/2rEdabc AWS Summit London: amzn.to/2rRNXYK
On this episode of the BAI Banking Strategies podcast, we talk with British banking veteran Anne Boden, the founder of Starling Bank, the first mobile-only banking platform in the U.K. Boden shares what led her to leave the traditional banking world and how she sees the nimbleness of fintech companies leading to new opportunities for challenger banks.
Starling Bank in the U.K. is building from scratch. Unlike other neobanks, Starling sees its future as a hub of financial products, not necessarily the generator of every product. CEO Anne Boden explains.
Anne is the founder of [Starling Bank](https://www.starlingbank.com), one of the UK's challenger banks that serves its customers online rather than via high street branches. Anne studied computer science, and worked her way up through the banking industry before founding Starling. > I came to the conclusion that banking was broken. After working at traditional banks like RBS, Lloyds and the Bank of Switzerland, Anne found the industry to be too inward-focused, and largely untouched by consumer tech. Although Starling is a tech-forward company, Anne is quick to point out that customers still get 24/7 phone support, and describes how many struggle with money, and what she sees as Starling's role in helping people better manage their finances. > The only thing that was different was the colour of the carpets. After speaking with lots of banks following her work with AIB in Ireland, Anne started talking to tech firms instead, and came to the conclusion that if she started from scratch, she could build something with a new way of relating to customers. > I do all my emails myself. Graham and Anne get geeky about productivity, and email management in particular, with Anne revealing her system for processing incoming email in seconds. > I built a team and lost them. Anne candidly recounts how a member of her team resigned, raised money and formed his own competing bank. She also describes working with people with differing personalities, and how she has tried to soften the relationship between the two companies. > There aren't any books about starting a bank. Employees at Starling don't put on presentations for each-other, or take undue risks. Anne describes how the _Lean Startup_ methodology worked in the early stages, but how that model is challenged when starting-up in a heavily-regulated industry. [Graham Allcott](http://www.grahamallcott.com/) is the founder of [time management training](http://thinkproductive.co.uk/ "Link: http://thinkproductive.co.uk/") company [Think Productive](http://thinkproductive.co.uk/). This podcast is produced by [Origin](https://origin.fm/).
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