Podcasts about Anthemis

La protection et le bien-être des animaux en tant « qu'êtres sensibles », une avancée majeure dans la Constitution belge. Le 3 mai 2024 marque un jour symbolique pour les animaux avec l'inscription du bien-être animal dans la Constitution belge, la plus haute norme juridique. Réunissant plus d'une centaine de députés lors du vote, la Chambre des représentants a adopté à la majorité spéciale la proposition de révision de la Constitution. L'article 7bis affiche ainsi : « Dans l'exercice de leurs compétences respectives, l'État fédéral, les Communautés et les Régions veillent à la protection et au bien-être des animaux en tant qu'êtres sensibles. » Une avancée historique, honorant de ce fait le soutien de 86 % des Belges ! (IPSOS/ février 2023). On en parle avec Caroline Lambilot, avocate au barreau de Bruxelles et auteure de « Le statut juridique de l'animal non humain en Belgique » (Ed. Anthemis). Merci pour votre écoute Tendances Première, c'est également en direct tous les jours de la semaine de 10h à 11h30 sur www.rtbf.be/lapremiere Retrouvez tous les épisodes de Tendances Première sur notre plateforme Auvio.be : https://auvio.rtbf.be/emission/11090 Et si vous avez apprécié ce podcast, n'hésitez pas à nous donner des étoiles ou des commentaires, cela nous aide à le faire connaître plus largement.

Die Themen im heutigen Versicherungsfunk Update sind: Die Bayerische bekommt neue Komposit-Leiterin Zum 1. Januar 2025 übernimmt Annika Obermayer die Leitung des Geschäftsbereich Komposit bei der Bayerischen und tritt damit die Nachfolge von Manfred Buhler an, der in den Ruhestand geht. Obermayer kommt vom Wettbewerber Allianz. Dort war die 39-Jährige in verschiedenen leitenden Positionen im Bereich Sachversicherungen tätig war und verantwortete zuletzt die Sparte Unfallversicherung. Kompass startet Assekuradeur Das Insurtech Kompass Group Deutschland AG und das Schweizer Tech-Unternehmen eINS.tech gründen den Assekuradeur eINS.KOM. Das gemeinsame Unternehmen agiert auf dem deutschen Markt und setzt dabei auf die Komplettlösung von eINS.tech. AfW steigert Zahlen Der AfW – Bundesverband Finanzdienstleistung e.V. hat seine Gesamtmitgliederzahl weiter gesteigert. Demnachzählte der Verband 2182 Mitglieder bzw. Mitgliedsunternehmen. Davon seien insgesamt 1.821 registrierte juristisch und natürliche Personen mit Versicherungsmaklerzulassung nach § 34 d Gewerbeordnung. Zudem hätten fast 1.300 der Mitglieder eine Zulassung nach § 34f Gewerbeordnung als Finanzanlagenvermittler und sogar knapp 1.000 eine Zulassung nach § 34i Gewerbeordnung, also als Immobiliardarlehensvermittler. Auch die Anzahl der namhaften Fördermitgliedsunternehmen überschritt erstmals die Zahl 100 (exakt 101). Uelzener bekommt neuen Leiter des Vermittlervertriebs Die Uelzener Versicherungen hat seit Anfang Oktober einen neuen Leiter des Makler- und Kooperationsvertriebs. Sascha Risse soll für den Auf- und Ausbau des Vermittlervertriebs bei Deutschlands größtem Tierversicherungsspezialisten zuständig sein und tritt damit die Nachfolge von Sker Friedhoff an, der sich wieder auf seine Aufgabe als Geschäftsführer der Uelzener-Tochter RISK-Management GmbH fokussieren werde. HanseMerkur und Dertour kooperieren Die HanseMerkur wird der neue Reiseversicherer der Dertour Group für Deutschland und die Schweiz. Die Kooperation ist vorerst auf fünf Jahre ausgelegt, Startdatum ist der 1. Januar 2025. Sie umfasst über 1.500 eigene und angeschlossene Reisebüros in Deutschland und den Onlinevertrieb der Dertour Group in Deutschland, den Schweizer Reiseveranstalter KUONI und seine Schwestermarken sowie über 70 Reisebüros in der Schweiz. Stoïk sammelt 25 Millionen Euro ein Der französische Cyberassekuradeur Stoïk hat eine Series-B-Finanzierungsrunde in Höhe von 25 Millionen Euro abgeschlossen. Diese erfolgt unter der Führung von Alven und unter Beteiligung der bestehenden Investoren Andreessen Horowitz, Munich Re Ventures, Opera Tech Ventures und Anthemis. Überdies seien Cyber Integrity Capital und Tokio Marine HCC International als neue Investoren eingestiegen.

Avocate au barreau de Bruxelles depuis 1995 et médiatrice agréée par la commission fédérale de médiation depuis 2008, Séverine Evrard a travaillé dans deux grands cabinets d'avocats (Janson et Gérard & Associés) avant de fonder deux cabinets d'avocats, dont celui où elle exerce actuellement www.accordmajeur.be Aujourd'hui elle en est certaine, il faut sortir d'un tabou : « L'avocat est un expert de la loi, il ne s'occupe pas des émotions de son client ; il n'est pas son psy ». Il est temps que l'avocat développe ses aptitudes relationnelles. Face au constat que la pratique traditionnelle du métier est vouée à l'extinction, l'auteure plaide pour réinventer le métier d'avocat.e en adoptant une nouvelle posture, guidée par plus d'ouverture à l'autre, plus de dialogue, d'inclusion et de collaboration avec le client dans le règlement du conflit, et en sortant d'une vision binaire de celui-ci. Comment ? Partage d'expériences avec Séverine Evrard. Merci pour votre écoute Tendances Première, c'est également en direct tous les jours de la semaine de 10h à 11h30 sur www.rtbf.be/lapremiere Retrouvez tous les épisodes de Tendances Première sur notre plateforme Auvio.be : https://auvio.rtbf.be/emission/11090 Et si vous avez apprécié ce podcast, n'hésitez pas à nous donner des étoiles ou des commentaires, cela nous aide à le faire connaître plus largement.

We are honored to be starting this 2024 Masterclass edition with an amazing guest to talk about a topic every founder wants to hear about: How to Build your Fundraising Strategy. Francesco Simoneschi is the Founder and CEO of TrueLayer, Europe's leading open banking platform. TrueLayer developed an open banking payments network that allows banking institutions such as Revolut and companies such as Williams Hill (the betting site) to power faster and safer online payments. Founded in 2016, TrueLayer is backed by a stellar roster of investors including Stripe, Tiger Global, Connect Ventures and Anthemis. It has received $272m of funding in total, with its latest $130m round in 2021 valuing the business at $1bn.  Francesco is also an investor himself. Before founding TrueLayer he helped create an angel fund called Mission and Market. This Masterclass was powered by BCG and Bizplace. Unlocking the potential of those who advance the world is crucial for BCG, and this purpose has been leading the firm for 60 years now. Over that time BCG has supported companies and organizations in their process of growth and strategic transformation. BCG supports start-ups and scale ups with the same care, to help them scale faster. If you're a founder and are interested in working with them you can email MILtheseeds@bcg.com. BizPlace is a boutique financial consultancy specializing in the VC world. Since 2017, it has been supporting innovative startups and SMEs, offering entrepreneurs strategic consulting services, fundraising, and facilitated finance to enhance and grow their business ideas. BizPlace positions itself as a catalyst in the growing Italian VC ecosystem. If you are a founder or an investor interested in collaborating with them, you can reach them at info@bizplace.it. Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@madeit.podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@madeitpodcast⁠⁠⁠⁠⁠⁠⁠⁠

What do dance and Fintech have in common? More than you might think! In our latest episode of In Check with Fintech, our CEO, Rogier Rouppe van der Voort has the pleasure of hosting Katie Palencsar, Partner at Anthemis and Managing Director at the company's Female Innovators Lab Fund. Tune in as we uncover the inspiring story of resilience, passion, and determination that led Katie from humble beginnings in rural Pennsylvania to becoming one of the most influential voices in the industry.  Enjoy listening!

Here's what we got into:Deals of the Week: Ruth Foxe Blader is leaving Anthemis, albeit slowly; Exponent has a second fund set up, but without a pure fintech focus; and Alex wanted to talk about why 2024 could be a pretty alright year for crypto.Layoffs, shutdowns: Frontdesk laid off 200 people and is shutting down, which makes for a good conversation about its business model. Countdown Capital is also throwing in the towel, due in part to larger multi-stage funds inflating the entry point for hot seed deals. It's a trend worth keeping an eye on.Helping one another: Israel is working to support its startup industry which has been disrupted by the Israel-Hamas war, and how the new Tech for Palestine group was formed.And that's Equity for this week! We'll be back on Monday!Connect with Equity on X and Threads @EquityPod, and keep up with all of TechCrunch's podcasts @TechCrunchPods on TikTok.For episode transcripts and more, head to Equity's Simplecast website.Equity drops at 7 a.m. PT every Monday, Wednesday and Friday, so subscribe to us on Apple Podcasts, Overcast, Spotify and all the casts. TechCrunch also has a great show on crypto, a show that interviews founders and more! Credits: Equity is hosted by Editor in Chief of TechCrunch+ Alex Wilhelm and TechCrunch Senior Reporter Mary Ann Azevedo. We are produced by Theresa Loconsolo with editing by Kell. Bryce Durbin is our Illustrator. We'd also like to thank the audience development team and Henry Pickavet, who manages TechCrunch audio products.

Ruth Foxe Blader has left her role as partner at Anthemis Group after nearly seven years to start her own venture firm, Foxe Capital, TechCrunch learned exclusively today. Learn more about your ad choices. Visit megaphone.fm/adchoices

Fondée en 2019 par Alyssa Emmungil, HappyPal vient de finaliser une levée de fonds de 7 millions d'euros en Série A. Cette opération financière a été menée avec le soutien du fonds Educapital et du fonds historique Anthemis. Après un premier financement de 2 millions d'euros en 2021, cette nouvelle levée marque une accélération dans l'expansion de HappyPal.Pour en parler nous recevons sa fondatrice Alyssa Emmungil

Antton Pena, the co-founder and Chief Strategy Officer of Flock Insurance, a UK Insurtech on a mission to make the world quantifiably safer with connected fleet insurance that enables and incentivizes safer driving. Flock started providing drone insurance, then commercial vehicle insurance. Essentially the company uses the telematics of cars so that the vehicle only triggers insurance cover when it's moving, not when it's sitting on the lot, incapable of causing any accidents. Flock has raised to date $60 million from notable investors such as Anthemis, Social Capital, and Octopus Ventures.Today, Flock has more than 600 commercial fleet clients, including Jaguar Land Rover, Europe's electric car subscription company Onto and a third of the U.K.'s independent Amazon fleets.If you like our podcast, please don't forget to subscribe and support us on your favorite podcast players. We also would appreciate your feedback and rating to reach more people.We recently launched our new newsletter, Principles Friday, where I share one principle that can help you in your life or business, one thought-provoking question, and one call to action toward that principle. Please subscribe Here.It is Free and Short (2min).

This week we're bringing you a very special rewind show from the Fintech Insider archives. Hosted by Benjamin Ensor and joined by some very special guests from Allica bank, Anthemis and This Week in Fintech, the show asked the question: How should we measure success in fintech?' In a period where valuations are tumbling, we're seeing fintechs either get bought out entirely or sadly have to shutter their doors, we're examining whether valuation and customer numbers are the best measure of success for fintech. Should we be paying more attention to profitability or the problems they are solving for their home markets? Or are there even success metrics we haven't thought of at all? This is as highly relevant a discussion now as it was almost a year ago when we first had it, perhaps even more so. This week's guests include: Katie Palenscar, Managing Director & Global Head of Venture Studio, Anthemis Nik Milanović, Editor, This Week In Fintech Richard Davies, CEO, Allica Bank Come and see the show LIVE at our Fintech Insider: After Dark event on 20th September in London's Village Underground. Grab your tickets here (https://www.eventbrite.co.uk/e/11fs-fintech-insider-presents-after-dark-underground-london-registration-690897582267?aff=oddtdtcreator). Fintech Insider by 11:FS is a bi-weekly podcast dedicated to all things finance, banking, technology, and financial services. Our expert hosts, with real industry experience, are joined by the biggest decision-makers, VCs, and reporters from across financial services including guests from Visa, Nubank, M-Pesa, Techcrunch, Starling, and JP Morgan Chase to discuss the latest news, developments, and trends within the industry. Our weekly news show drops every Monday and tackles the biggest news stories, from acquisitions and launches, to regulatory changes and innovation. Then, every Friday our Insights show dives deeper into the hottest topics shaping the industry like web3 and BNPL. Whether you're already immersed in the world of financial services, or just keen to learn more, this is the #1 podcast for you. 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: Katie Palencsar, Nik Milanović, and Richard Davies.

Hello everyone and welcome to “At The Cap Table” podcast - the exciting new series dedicated to hearing from the top European female investors who are taking the VC industry by storm.Our next guest is the brilliant Ruth Foxe Blader, Partner at Anthemis!Ruth is a fintech investor, emerging technology & communications expert with 15 years-international experience at Fortune 500 companies. At Anthemis, Ruth leads strategic investment efforts across Europe and North America. Ruth specialises in technology-enabled business models, insurance technology, risk transfer, early stage investing, product strategy and digital transformation.Prior to joining Anthemis, Ruth worked for Allianz SE, where she led digital innovation efforts. She was a founding member of the AllianzX team, where she led investments in startups including Lemonade, MoneyFarm, Argus Cyber Security and SimpleSurance.A New Jersey native, Ruth has spent the last decade between New York, London and Paris. In 2018 and 2019, Ruth was recognized for her outstanding contribution to the global financial technology ecosystem and listed among the Women in Fintech Powerlist by Innovate Finance. She currently serves on the boards of Axle, Demex, Hokodo, Hometree, Kaiko, Proportunity and Stable.Alongside Sophie Winwood, she is the co-founder of WVC - a movement that promotes inclusion, empowerment and integration of VC in Europe and beyond.

Laissez un message vocal à Damien ou à Olivier en suivant ce lien vers la plateforme Vodio (c'est gratuit). N'oubliez pas de mentionner si vous nous autorisez à utiliser votre message et votre voix dans un prochain épisode pour vous répondre.Vous vous dites certainement : "Mais j'écoute un podcast sur la sexualité et on me parle d'une approche de contrat conscient dans le domaine des affaires... quel est le lien ?". Avec un zeste d'imagination et de bon sens, la transposition devient tout à fait possible. S'inspirer est le mot-clé de ce podcast. Créer des ponts entre les domaines d'expertise pour créer des relations conscientes plus belles et réjouissantes. Le potentiel du Conscious Contracts® pourrait aider tant de gens que nous avons décidé de lui offrir un épisode qui pourrait bien être le premier d'une série à venir.Et si l'enthousiasme du début d'une relation pouvait être alimentée par les difficultés imprévisibles et inéluctables rencontrées au cours de l'aventure ? (Envisager même de) Pouvoir contracter et décontracter avec autant de sourires. Nous pensons que c'est possible. Et si on arrivait à transposer la sagesse du Conscious Contracts® à sa vie intime et affective ? Que ce soit pour les couples, les mariages, toutes formes de relation formelles et informelles. Et si l'aventure relationnelle affective était construite sur un nouveau paradigme plus conscient des réalités de la vie (changements, caractère imprévisible de la vie, dynamisme, valeurs, joie, vitalité, altérité, évolution, spiritualité…) pour créer des relations humaines plus riches, fructifiantes, vivifiantes où chacun est grandi et chaque partenaire souhaite faire prospérer l'autre en toute circonstance.Combien de personnes, nous y compris, se sont plaintes d'une justice froide, matérialiste et inhumaine ? Combien de fois avons-nous eu le sentiment d'être désarmés, perdus, face à un jargon incompréhensible pour les non-initiés quand un litige est porté devant la justice ? Tant de partenaires qui deviennent des opposants parce que le système ne leur propose rien d'autre de fondamentalement robuste, puissant, empuissançant, apaisant.Pourtant, nous aurions tout intérêt à comprendre ce qui se joue dans la construction d'un partenariat. D'autant plus que les impacts d'un contrat peuvent être déterminants pour de nombreuses années de vie (ex: procédure de divorce). Et si nous nous réapproprions nos contrats grâce à une implication personnelle, intime, engageante, le tout dans un langage compréhensible ? Pourquoi devrions-nous ne compter que sur des tierces personnes pour gérer un conflit ? Pourquoi attendre aussi de recourir à une procédure « copier-coller »?Ne sommes-nous pas capables de définir les conditions de notre épanouissment respectif, de créer, d'innover, de penser à la fonction vitalisante d'un contrat conçu pour nous aider? N'est-ce pas le propre de ce qui nous définit en tant qu'humain ? Alors, si avant d'entamer une relation, un mariage, un contrat de travail, une relation commerciale, nous ralentissions pour y mettre plus de conscience ? Et si, en plus, nous anticipions les moments de divergence sans recherche de reproche et de faute, mais plutôt en nous prévoyant des solutions, des canaux de dialogue qui chérissent ce qui est en devenir, ce qui sera et ce qui a été, quel que soit les imprévus de la vie ? Ne pensez pas que nous sommes des Bisounours occupés à vous dresser une utopie à la Thomas More. Dans cette capsule, nous vous proposons d'écouter Damien Dillenbourg et sa passion pour l'approche "Conscious Contracts®". Une personne inspirante qui suit la piste d'Alalá Linda, inspirée aussi et réconciliée avec le monde de la justice par les ouvrages de Kim Wright. Ancien Procureur du roi, Damien était sur le point de renoncer… Mais la vie lui a insufflé une autre mission : inspirer et semer la bienveillance. Finalement, c'est un nouveau chemin pour vivre une autre approche de la justice tout en gardant son expertise et son incroyable bagage de connaissances, qu'il va utiliser, en bon jardinier, pour semer les graines de mariages réussis. Un mariage où affaire et humain sont en harmonie… Et vous avez remarqué ? Là, je vous parle de mariage déjà…Pourla suite, il vous reste à écouter, et pourquoi pas passer à l'action, expérimenter. On ne le dira jamais assez, si ce podcast vous plait, diffusez-le. Laissez un message vocal à Damien, « likez » !Séquençage du podcast :00:20 Introduction00:35 Qui est Damien ?01:58 Les origines du Conscious Contracts®05:03 Quels sont les piliers sur lesquels repose ce paradigme et sa vision12:24 Un contrat qui suit le côté dynamique de la vie et qui sert à faire grandir la relation15:25 Une justice distante des réalités de l'humain ?20:35 Quelles sont les étapes du Conscious Contracts® ?25:13 L'empowerment27:27 Ne pas réaliser de contrat est aussi « ok »29:30 Un vocabulaire où le mot-clef est « partenaire »32:01 Un message sur l'authenticité et l'intégrité34:48 Une collaboration avec Anthemis et rendre le message contagieux…35:53 Une gratitude ?36:48 Clôture du podcastLiens Bonus:B Just, cabinet d'avocats et de médiation : B-JustLawyers as changemakers kim wrightLawyers as peacemakers kim wrightL'Homme relationnel Jean-Jacques WittezaeleIntroduction au Conscious Contract , Public cible: Avocats, médiateurs, juges, notaires, juristes d'entreprise, chefs d'entreprise ou responsables d'organisations sans but lucratif.

Today we are happy to welcome Anubhav, Founder and CEO of Tactyc. Anubhav founded Tactyc in 2019 combining his passions for engineering and finance to solve the major pain points fund managers face with portfolio management and fund modeling. They work with 250 VC clients globally and have a large and growing European presence including clients such as Anthemis and Atomico. At Tactyc they believe in empowering all GPs to be more data-driven.In this episode we will deep dive into the exciting world of portfolio construction and best practices.

Ruth Foxe Blader, a Partner at Anthemis Group, discusses her international focus on investing in FinTech and InsurTech startups. She emphasizes the need for investors to see beyond founders' storytelling and communication skills, and instead evaluate their potential to execute their mission. Ruth also highlights emerging generative AI trends and her outlook on the future of financial services.In this episode, you'll learn:[4:13] Venture capital is a game of exceptions and contrarian thinking.[9:27] Founder's genuine obsession with their idea creates infectious passion.[13:30] Great entrepreneurs recognize their strengths and hire accordingly to achieve their mission.[18:31] Aggressive realism is crucial for founders and investors in the challenging venture market.[22:47] Generative AI has the potential to bring about transformative changes eagerly awaited by the market.The non-profit organization that Ruth is passionate about: WVC:EAbout Ruth Foxe BladerRuth Foxe Blader is a Partner at Anthemis and thought leader in fintech and insurtech. At Anthemis, Ruth leads strategic investment efforts across Europe and North America. Ruth specializes in technology-enabled business models, insurance technology, risk transfer, early stage investing, product strategy and digital transformation.Prior to joining Anthemis, Ruth worked for Allianz SE and was a founding member of the AllianzX team, where she led investments in startups including Lemonade, MoneyFarm, Argus Cyber Security and SimpleSurance.About Anthemis GroupAnthemis Group is a global multi-stage investment platform that deploys human, intellectual and financial capital diversely and inclusively to affect change and build resiliency in the financial system. By creating fertile ground for a diverse group of startups, investors, entrepreneurs, institutions, academics, and visionaries to converge, Anthemis believes they can solve the financial systems' most pressing challenges faster, better and for the benefit of all. Its portfolio companies include Elevate, Rize Ag, Project Admission, TreasurySpring, Flyby Robotics, Agreena, Flock, Kasheesh among others. Subscribe to our podcast and stay tuned for our next episode. Follow Us:  Twitter | Linkedin | Instagram | Facebook

Episode 5 has a Chelsea Flower Show flavour. Dan & Julia debate the value of a ticket to the world's most prestigious horticultural event and explain how to administer the Chelsea chop to flowering perennials and herbs. Crisp, crunchy radishes are Julia's pick of the crop, and Dan breaks a self-imposed rule by celebrating deciduous azaleas, a plant that doesn't thrive in his chalky soil.For Dan & Julia's complete guide to surviving Chelsea, click here.For more advice on administering the Chelsea chop, click here, and you'll find the perfect pair of shears to do it with here.Plants that respond well to the Chelsea ChopYarrow - Achillea Dyer's chamomile - Anthemis tinctoria AsterBell flower - CampanulaConeflower - Echinacea Joe Pye weed - EupatoriumBlanket flower - GaillardiaSneezeweed - Helenium Perennial sunflowers - HelianthusCandytuft - IberisShasta daisy - Leucanthemum × superbumPurple loosestrife - Lythrum salicariaBergamot - Monarda didymaCatmint - NepetaPenstemonGarden phlox - Phlox paniculataBlack-eyed Susan - RudbeckiaStonecrop - Sedum telephium (now Hylotelephium telephium)Golden rod - SolidagoCulver's root - VeronicastrumChives - Allium schoenoprasumDan's favourite deciduous azaleas:FIREBALLGIBRALTARGOLD TOPAZIRENE KOSTERKLONDYKESTRAWBERRY ICEWhere you'll find us over the next fortnight:Julia will be at Nomad Books in Fulham on Saturday, 13th May, running a workshop and signing copies of her book. You'll also find her on the Alitex stand (MA 336) on the Chelsea Flower Show's Main Avenue on and off between the 23rd and 28th of May.Dan will be at Salthrop House, Wroughton, near Swindon, this Sunday, 14th May, 11 am - 4 pm and at the American Museum & Gardens in Bath on Sunday, 21st May, with Rare Plant Fairs. He takes his tea strong with milk, and no sugar, if you want to treat him to a cuppa!Alitex will be at the RHS Malvern Spring Festival from 11th -14th May, showcasing the Mottisfont greenhouse from the National Trust range. Then, they will be at RHS Chelsea Flower Show with their 'Good Life' inspired exhibit, styled by our very own Julia! Hosted on Acast. See acast.com/privacy for more information.

In this episode, Saka talks to Farhan Ialji about his experience with LTV capital and the building of startup companies.Farhan is the Founder of LTV Capital who work with founders, venture capital investors, institutional and private investors globally to find the right partnerships, investments and support to build a thriving venture ecosystem that benefits all.Previously, he was Director in the Venture Partnerships team at Anthemis, exploring venture tech and fund investments. He is also an entrepreneur in residence at King's College London and a part-time lecturer at London Business School on managing in digital organisations.If you think you or someone you know would like to chat with Saka in an exclusive interview, please get in touch!

Ali Geramian is the Managing Director at Anthemis, a global platform that cultivates change in the financial system by investing in, growing, and sustaining businesses committed to resiliency, transparency, access, and equity. With an impressive portfolio that includes some of our past guests (Branch, flo, and Vouch), we bring Ali on to explore and understand what Anthemis is, their involvement, the current state of insuretech, a typical day for Ali, and much more. Join Ali, Rob, and Lee on an episode that sheds more light on the growing, resilient, impactful spaces of venture capital and investments. To learn more about Anthemis, visit https://www.anthemis.com.

Bharath Krishnamoorthy has gone from a young rebel to working for one of the world's top M&A law firms, to a startup entrepreneur. His venture, Denim, has attracted funding from top-tier investors like Crosslink Capital, REFASHIOND Ventures, Anthemis, and Trucks VC.

Miguel Armaza sits down with the very genuine Rob Petrozzo, Co-Founder and CPO of Rally, an alternative investing platform for blue-chip and digital collectibles, including classic cars, sports memorabilia, watches, and NFTs, totaling over 400 assets in 19+ different categories.Founded back in 2016, Rally has grown to half a million users, actively finds, manages, and fractionalizes some of the most important collectibles and museum-grade items in the world, including vintage wine and dinosaur fossils. Although I recorded the interview from Rally's offices, unfortunately, I could NOT taste some of those top wines! They're backed by Alexis Ohanian, Anthemis, Porche Ventures, Social Leverage, Upfront and many more.We discuss:The fascinating world of collectibles. How does Rally find and secure some of the most incredible items in the world?Power of community and how Rally actively incorporates client feedback into product design and company strategyThe intersection between collectibles and digital assets like NFTsFunder mistakes from the early days of Rally… and a lot more! Want more podcast episodes? Join me and follow Fintech Leaders today on Apple, Spotify, or your favorite podcast app for weekly conversations with today's global leaders that will dominate the 21st century in fintech, business, and beyond.Do you prefer a written summary, instead? Check out the Fintech Leaders newsletter and join 50,000+ readers and listeners worldwide!Miguel Armaza is Co-Founder & Managing General Partner of Gilgamesh Ventures, a seed-stage investment fund focused on fintech in the Americas. He also hosts and writes the Fintech Leaders podcast and newsletter.Miguel on LinkedIn: https://bit.ly/3nKha4ZMiguel on Twitter: https://bit.ly/2Jb5oBcFintech Leaders Newsletter: bit.ly/3jWIpqp

Hello fintech friends! This week, we have a special podcast episode with guest Jillian Williams of Cowboy Ventures, who sat down with Nik at the Money2020 MoneyPot Podcast Stage for a candid conversation on life, the universe, and all things fintech.KEYWORDSfintech, people, companies, world, feel, happening, starting, money, bit, absolutely, honestly, big, terms, interesting, durbin amendment, point, build, investor, products, biggestSPEAKERS* Nik Milanović, TWIF* Jillian Williams, Cowboy VenturesNik  00:00All righty. Hi everybody. How's it going? You've got Nik Milanovic and Jillian Williams recording live at Money2020 In the MoneyPot. Hey there, Jillian, good to see you again. Good to see you as always really excited to have you on the show. Hey, FinTech friends, the podcast that we've been doing for about a half a year now. And it is normally hosted by the fantastic Helen Femi Williams on our team, but she has otherwise occupied in the UK. And so I hope to be somewhat not mediocre replacement for her.Jillian  00:43Bet you'll be great.Nik  00:46It sounds like you'll carry the conversation for us both if I mess up. So no pressure. Good to have you on. I think that you're probably like one of the most well known people in FinTech, but for the sake of our audience, who may not have come across you before, we'd love to just get your quick background and overview and what you're focused on today.Jillian  01:05Absolutely. That's very kind of you. But I'm Jillian Williams. I am a principal at Cowboy Ventures. We are an early stage venture fund. Seed focused, generalist focused on the US and I focus on fintech. So I've been focused on FinTech for last like seven years. Previously, I was at Anthemis, a FinTech fund, and then was in traditional finance before that.Nik  01:26So what brought you into fintech? When you start your investing journey,Jillian  01:29Jonestly stumbled into it. I was in financial services, like financial institutions group at Barclays. And it was just like good timing, where they were starting to focus more on fintech. And because of that, I like being Junior there, they kind of just pushed us towards figuring out what was happening in the new like that next wave of tech. And I thought that was a lot more interesting than what was happening with the large asset managers, insurance companies, obviously, now, like, joke's on me, because I still have to deal with a lot of them. But I realized I really love just working closely with the people who are kind of building for that next generation. And so that was kind of my foray into it. I wouldn't say that, like I immediately loved in tech. But when I realized how much I understood it and what was happening in it, I kind of grew to fall in love with it.Nik  02:21Yeah, I feel like it's not as intuitively exciting as like some maybe more like consumer friendly areas when you get involved to start withJillian  02:29Exactly when all my friends were like getting free products from their, like, from their companies that they were meeting with. And I was like, Well, no one's giving me free money. I was jealous, honestly.Nik  02:40My credit card, my bank account are still held with a like Big Five bulge bracket Bank, which is like embarrassing for me. My head I'm like, oh, maybe that just means that there's like still more banking space for FinTech to capture, capture. But really, anytime I like without my car to pay for something people are like you're a trader. And, you know FinTech has, it's interesting, like talking with somebody who has kind of this longevity of investing background and exposure to fintech. You know, a lot of people have become FinTech investors, for the first time over the last call it like three years, which really felt like an inflection point in FinTech. And we'll get to that in a minute. But you know, myself included, I think that FinTech now looks really different for an investor than it did a few years ago. And I'm kind of curious, like, what still gets you excited? You know, you've seen kind of multiple cycles now in this space.Jillian  03:30Absolutely. I mean, you've been around the FinTech space for a while. So I feel like you've been seeing whether it's not directly as an investor about from the outside as an operator. But it's interesting, because I think when I joined in the US in 2016, there were very few people in FinTech, I remember, especially in New York, especially on the female side, there were like probably four of us. And so the same four of us, like did everything together, because I only became very good friends because like, we were the only people who would like talk to each other at any like, honestly events. And so it's funny just to see how much that's changed and how exciting the FinTech world is now compared to Ben. And so I mean, I think it's such a massive industry globally, that even with kind of the growth in popularity, and what's been happening both ebbs and flows in the market. There's, like, I'm still extremely bullish of it. But obviously, the past two years have just been kind of like the Wild West, where, like both in terms of valuations both in terms of like the number of whether it's like the exact same companies all popping up and all getting funded. Or even, like, honestly, probably some unnecessary companies that like you don't need X, Y and Z for like, I don't know, like a new bank for every single thing that giving you rewards and like some things that are probably irrelevant. And so I think that's something that you're starting to see weed out a little bit but I think honestly, that's more of a testament to like the infrastructure that's been built and people realizing what can be built. And so I think what's interesting is like, as that falls away more of the things that are like long term sustainability will continue to grow out of it. And so I think that's what I'm excited about. And also, it's the, like, kind of, in my view, the first time that we're having, like, mafias really come out, where like we have all of these, like, really big companies have been built in FinTech. And now we can have those exciting people that are leaving those companies actually build the next wave and people that I know FinTech really well start to buildNik  05:37Our market going to ask you to name those companies that don't need to be built. But it's true, there's like, it's been such a it's been such an attractive money pot from like a founder perspective, because it's almost like you had a guaranteed venture check if you're starting a FinTech company for the last two years that maybe some spaces have gone like over verticalized. But to what you're saying at the beginning of your comment, it is really cool kind of how the composition of people in FinTech has changed over the last couple years to like, it's finally like a hot area to work in. I feel like it was kind of the unloved tech child for a long time. You had to have these like hyper nerds who themselves are just, you know, working in, you know, obscurity at a bank for 10 years and saying like, there's a better way to do this. But when you're competing with like Fang companies for talent, it's like, well, we don't have any free lunches. And we're not working on a problem that your parents will ever know how to understand.Jillian  06:24Exactly. I remember telling someone that was like excited about some insurer tech company at one point, and they just like gave me the weirdest look. And I was like, I do get I'm the weirdo here. Like, that's fair.Nik  06:34Yeah, I don't know. There's something to love about that, though, like unsexy areas, it just feels like there's a better opportunity to go in there and be smart about what can be done better. You're not kind of chasing the same problems that that everybody else is chasing completely agree. And now that like, you know, in the last YC cohort, there are three Buy now pay later companies, which like for me, you know, knock on Buy now pay later, there's like fantastically successful companies and category but I'm like, How much more can really happen in this space in a different way? And maybe we need to like see like a little bit more like normalization in FinTech?Jillian  07:08Exactly. And I mean, I know that probably happens, or not probably it does happen in every sector. But that is absolutely something that you're seeing more and more of, and I think that also is a factor because of how much help or easily is, you're able to build FinTech products as well, like an endless we are early investors into simple bank. And like, it took years to be able to build the initial bank because you didn't have infrastructure company is like snaps, unit rides, etc. And now that those exist, you can spin one up in like months. And so because of that, you can have copycats so much more easily that if something's taking off, someone can just be like, You know what, like, that worked. I want to build that. And so you miss that, like, drive that a founder has to like, actually why they want to build something.Nik  07:55It's so annoying, honestly, I like where were the service providers when we were building pedal? Well, when we were building funding circle, we could have used like fraud KYC out of the box, we could use like you kids don't understand how hard it was to build a fintech. But I know that you get a lot of time, not just at the conference, but outside of it, and in interviews to talk about FinTech and to talk about your thesis and your path as an investor. And so I was hoping maybe we could use this time to just draw outside the lines a little bit and go off field and just talk about kind of broader themes, especially like those that tie back to this base, but just see where the conversation goes. I'd love that. So thank you for helping me by putting together some really good question prompts for the conversation. I'm super curious to dive in to some of the bullet points that you wanted to cover. And so we might as well just start at the top and work our way through. Let's do it. So for anybody listening, Julia and I kind of talked about what conversation topics we could cover outside of fintech. And she had some fantastic suggestions. And I'm really excited to hear a little bit more on these. And so we have three general question prompts that we're going to try and get through today. And the first one is what are the three moments that defined FinTech in the last 10 years? What were the three kind of biggest inflection points that happened in this space over the last 10 years?Jillian  09:24All right, I guess I'll start. I think probably the first one that I'll say is the, I guess, like the passing of the Durbin amendment, because that was in 2011. It's a little off of 10 years ago, but I think that that was just honestly like fueled a lot of what has been been tech revenue for the last 10 plus years. Now, in terms of in terms of interchange fee. I think most recently, probably this past month has been increasing amendments to the Durbin amendment that may continue to change that and interchange fee The revenue hasn't been as loved anymore. But honestly, that created the opportunity for so many fintechs like time, current, etc. To exist without charging their customer and to compete with the large institutions in a way where it's like, hey, these companies are charging you tons of fees, etc. And we can actually give you a free offering. And so I think that honestly just propelled that space from a consumer standpoint, in a huge way. And I think honestly, probably more than any other regulation that I can that I can think of impure, impure, FinTech honestly.Nik  10:39Totally agreed. There's a great write up that I read from ao Majola who used to be blocking I think, is a carbon health called like children's urban, but he was just talking about how like that waterfall created. I couldn't agree more. For me, one was, this isn't obviously it's not like people say this a lot. But I feel like the plaid visa acquisition was kind of a watershed moment where for the first time you saw that like, a large scale with a $5 billion price tag that there were a possible existent FinTech and that kind of precipitated, you know, all this late stage activity, all these growth rounds. And then like this back wave, you know, money line nerd while I painted all these companies that went public over the last few years in FinTech. And so now for the first time, you kind of have proof that it's like a multi company category, and that it's a really viable asset class at scale. And that you can just indefinitely kind of tranche up like different companies that can actually still grow. And my guess is, over the next year, you know, in the environment we're in, we'll probably see a lot more m&a activity. And so it's kind of interesting to see how that shakes out with these acquisitions and kind of what that says about the exit landscape, but it feels like that really kind of kick started all this.Jillian  11:49It's funny, because when that happened, it was such a huge deal. And then I remember it wasn't like six months later how everyone was like, wow, Visa got was getting that for a steal like that. So well. And then now, like, some people are like, yeah, maybe that should have like, we they probably wish that went through like, who knows now just given how quickly how quickly the markets have changed. And so it's crazy, just how much last like year and a half really, how muchNik  12:15It's kind of stuff because like MasterCard that acquired Felicity and I think either acquired, like, has a strategic partnership with like tanking Europe and it's like, yeah, these apply fell through yet. MasterCards got an open banking acquisition now. Yeah, somebody I was meeting with earlier at Chase was telling me that plaid when the acquisition happened was a top five venture return acquisition of all time, which like blew my mind.Jillian  12:40That's crazy. I didn't know that. I mean, but to your point, I think plaid in general was also on my list. As just a guest. That's not like a moment. But like, some thing in FinTech, that was huge, because it really unlocked almost everything else in FinTech in a way that I don't think most people actually think about. Because your bank really just owned every single aspect of data of yours. And especially in the US, like there was really no other way of getting that. And for most of the companies that exist now, they usually need Platt or now like there's MX, ethnicity, etc. But like, eventually need one of these companies to be able to exist. And so I think like the existence of plaid and the fact that like, especially early on, now they have more partnerships, but like they were scraping your data, they were being shut down by the banks constantly, like they were doing everything kind of like a backdoor to get into stata was like really huge for growing the FinTech space, and even enabling all of these other apps to exist. And so that's something that I constantly think about that, like how massive of an opportunity to plaid was.Nik  13:49Yeah, totally agree. I mean, that's kind of perfectly, you know, one of the inflection points, I guess, or kind of key dynamics that was really interesting to me over the last 10 years is that you have this move down the stack. And a lot of people who tried to solve second order problems and realize they should be working on first order problems. I think Stephanie overt or am is a good example where she wanted to build basically like real time intelligent money movement, and like automatic optimization, I might move in and realize, oh, there's actually like a fundamental problem about like, how money is able to move in real time we're gonna go down the stack and plaid feels like a great example of that. Yeah. What are some? What are some other moments or other kind of big trends that I thinkJillian  14:27the another one for me is? It kind of goes back to like, Alright, so the Durbin amendment is probably the biggest regulation I think of but other things that have been the big biggest catalysts in FinTech have honestly been like the macro economic. I don't know what the word is, like, macro environment events have been the biggest catalyst. So I think of like COVID FHA is a more recent one has been a huge one, especially in terms of consumer adoption. And just like consumer awareness of FinTech like if you ask most people that like aren't FinTech nerds like us before, like how many of them unheard of chime, probably bear view. And then they went from like, what like 3 million to like 14 niche million users in the span of a year, year and a half. That's tremendous growth. And like more people now know it, they exist or even like Robin Hood, Coinbase, etc, and the growth of those companies. But then you even think back to like, the global financial crisis in 2008. Like, that was the impetus for so many companies start, like, if you look at interviews of like, John Stein from Betterment, like, that is why he started Betterment was like, basically, in response to the global financial crisis. And so many of these companies were like, We need to take back what is happening with the banks, and also this kind of unbundling of the financial stack. It's interesting, now we're seeing kind of like a re bundling. But at that time, it was like, let's build something that we can actually have a better customer experience and build it for the customer. Because it was such a missed like, this, like loss of trust between the customer and consumer. And the banks at that time after that did a crisis.Nik  16:02Yeah, it's super interesting, when you read accounts of the financial crisis, and people talking about how difficult was to recruit at these, like prestige banks afterwards, if you're a smart Ivy League accomplished, you know, could walk and chew gum at the same time, you know, graduate, you could get a job at a bulge bracket bank, and you know, these investment banks were really kind of the premier, like status, occupation, and then all of a sudden that gravitated to like the fang companies and the tech companies of the world. We're making the world a better place, you know, in quotes. But that changed a lot. And I totally agree with you. I mean, the other answer I had in mind for this question was COVID, specifically, as a big macro driver. You know, you nobody knew what a QR code was three years ago. And now, I think we all hope restaurants are gonna bring back paper menus, because we're sick of using them or nobody put a card into a digital wallet before but then all of a sudden, you don't want to touch the point of sale system. And so now everybody's loading up Apple Pay and Google Pay. And I definitely feel like there's kind of a big paradigm shift. Like even like, so many news stories over the past couple years have kind of been FinTech adjacent, like the Gamestop mania, and all these meme stocks, you know, that were facilitated by the Robin Hood's of the world?Jillian  17:11Absolutely. I mean, I did teach my nine year old grandfather how to deposit a check on his phone during COVID. I don't think he ever thought he was going to do that. For a second,Nik  17:20I thought you're gonna say I had to teach my 90 year old grandfather how to trade options. And I was like, why? I mean, you know, YOLO, honestly,Jillian  17:30honestly, yeah, like the money sign.Nik  17:35Okay, question number two. What do you think the biggest lifestyle change? We'll see in our lifetime? Is? I'll take a jump on this one, since I think it's only fair not to make the answer first, every time. One of the biggest lifestyle changes, I think we're gonna see is is just kind of the endpoint for globalization. Like, especially since the this is as far out of my domain expertise as you go. So we'll see how many people call me out for being like, very out of pocket on this one. But like, since the collapse of the Soviet Union, you had like a much more interconnected world. And you had this kind of growth of the Chinese economy too. And a lot of manufacturing moved from centers like the US and Europe offshore to low cost areas, and you didn't really have like labor capital, moving across borders as much. But now all of a sudden, especially like with COVID, and as an accelerant, you have more and more people working remotely, like even in larger companies like in a sustainable way, like not on a contract basis. And Bain published like 10 years ago, this report called like a world awash in capital about how capital is moving really seamlessly to investment opportunities across borders, and it feels like something where you can't put the toothpaste back in the tube. Once globalization started, it's gonna be really hard to turn that off. And it's gonna be kind of a good test with like, Russia and China now, D dollar rising like whether you get trade bloc's, but it feels like capital, labor or investment should kind of chase the maximum points of return. And borders don't really matter for that. And so I feel like we're likely to see a much more globalized world, you know, kind of regardless of like little hiccups and like geopolitical events over the next 50 years, we're really you're working with an international team, and you're also competing against international competitors, regardless what industry you're in. And you have a supply chain that's diversified between like three different, like countries, like low cost centers, and that's just going to change like, the composition of what jobs are available and where and, you know, maybe it's the case that the best lawyers in the world all you know, are educated like Buenos Aires, Argentina, and so they become like the lawyers for like international corporations rather than like the Harvard Law graduates of the world. The interesting to say,Jillian  19:45I completely agree in terms of the long term moving there. I think, maybe this is like I jaded side a little bit, but like, there are a lot of hiccups along the road, especially due to politics that we're seeing kind of like across the world, not just the US, but like all around the world that are kind of trying to be like, very anti globalization right now. And so I think it's interesting to see how that tension plays out in the short term. I think long term, it's really hard to kind of fight that. And because of a lot of the a lot of what you said, but I do think it's interesting to see how that continues to play out. This kind of like back and forth tension. But I do agree with you in terms of like the long term, that's absolutely where we're moving.Nik  20:29Yeah, no, I think that's totally right. Like you, you have the pendulum swing, and then it needs to swing back a little bit. There's always a reaction. And I feel like there's a lot of political issues where that's the case where you have like, forward movement, but then you have the reaction, that forward movement, and you think it was Obama who is saying at the end of his term, he's like, you know, what, sometimes things Zig is sometimes things and you have to realize that like the trend lines go in the right place, even if you have setbacks in the way they'reJillian  20:52no, absolutely. I think kind of, maybe my first point is somewhat similar to yours, because I'm thinking about a little bit us focus, but I think there's gonna be a really big shift in the like structure of how we think of employment. And I don't actually think of this just because of COVID. And like remote work, but I think so much of our lives are tied to our employer, especially around our finances, like in terms of, obviously, how we get paid, but like 401k, or health care, and everything like that. And that's not necessarily the most sustainable. And then when we think about like, I mean, this is a problem that, like so many people have been talking about, but like to get loans, you basically need to be a typical salaried worker, because it is so much harder for people that don't have that normal structure job, when like, we are increasingly seeing people have alternative income. And even if they have a traditional job, they might be making a lot more money elsewhere, or having two jobs. I think there was like some employer recently that I think it was a big thing on LinkedIn, where like, they fired two employees, because they were having two jobs. And like he didn't know for months that he was they were having two jobs like,Nik  22:06it's like says like a little bit more about you as an employer. It's like, are you really getting everything?Jillian  22:10Exactly? Like maybe they were doing a good enough job to do jobs? I don't know. And so I think that we're probably going to see some sort of a shift in terms of really like how, and if it's just like the benefits, but how a how we structure employment in the US and what that looks like. And everyone exactly know what that will look like, whether it's like we move away from the typical w two, or that format, but also how we structure a lot of what's tied to it and how we structure all of the like, financial benefits that's tied to it as well, because I think that's just like so prohibitive towards most people, and how we're moving in the world. And so I think that that will be really interesting to see how that continues to play out over time.Nik  22:52Yeah, I totally agree. I mean, to to kind of like quick fire ideas that that makes me think about your comment is one, the emergence of Dows and web three over the last year, you know, there's a lot of hype, this base grew too quickly, it consolidated again, and we'll see kind of what the long term viability of like dals looks like. But it's kind of the first attempt to re architect like the, like, corporate Corporation structure that we've had new assets like persistent for, you know, hundreds of years. And it's interesting, it's like, do you have this third path from WTS, or 10 eyes? Do you have kind of a spectrum of options available to you, where instead of being a salaried worker, for one company, you are a participant in four days, and you work on four different products, and the amount that you get paid is like relative to your input, and you just kind of like move seamlessly between them. And the other thought I had was, when you talk to people who come to the US, especially from Western Europe, or like Nordic countries, they're always shocked, like you said, by kind of how much of your life outside of work is immediately dependent on like, Where specifically you're working, like not even the work you're doing, but like the company that you're tied to. And there's this quote, you know, a developed country is not one where everybody has a car, but it's one where rich people ride public transit, I feel like that kind of applies here to where the shift in labor classification might mean that hopefully, you get kind of better social services and a better social safety net. And so stuff like having like your, you know, healthcare tied to like we're working specifically isn't as much of like the model that we have going forward.Jillian  24:24Yeah. I mean, I think it's crazy that like you change jobs, and like you might have to entirely uproot, like what doctor you're seeing or might not be able to get like a specific procedure because of that, that like doesn't, that shouldn't make sense. So that's wild. But maybe I'll continue because I think maybe like next one is sort of tied to the healthcare system. I think one area and fintech that I've been like wanting to invest in forever is at the intersection of healthcare and in FinTech. And part of that's because like, I shouldn't shock everyone that like our healthcare system is fully broken, and I think like will continue to just get worse and implode upon itself, and so at some point in our life, I kind of hope it does, mainly so that it can hopefully be rebuilt. And actually, in a format that works is I think, one of the challenges as much as I continue to like, look at a lot of investments and really want to make an investment of space, I think that a lot of them are probably more so like, band aids. Yeah. And that, we probably just need to actually fix the structure because none of the incentives work.Nik  25:31Yeah. Tyler Durden Fight Club approach, just blow up the healthcare. Start from scratch. Exactly.Jillian  25:36And so I think that that is probably one of the things that I look at quite a bit because like, both in terms of like how people live their lives, whether it's a one of those spectrum, like some people are uninsured, and or people don't want to be insured, because like, they can't afford it, or people just like, then don't go to the doctor. And then it makes themselves worse. And so then when they have a catastrophic issue that like impacts our healthcare system, even worse, but then just like the impacting costs of our healthcare system, like compounding over and over, is, is insane to me. And it's both like internally within, like, between payers and like how I'm not gonna go into like, how billing is done and things like that. But also, just in terms of like, how consumers operate. And so I think that like, hopefully, I'm not sure it looks like another just like, new presidential health care plan fixes up other than, like, we actually need to do something to fix the entire structure of it. It's interesting,Nik  26:34you know, you being a FinTech investor and wanting to look at the intersection of healthcare and fintech, because like just from that description alone, you feel like you can see the parallels there. There's a lot of legacy architecture and regulation that creates a certain system in the way it's set up. And so even if you take a step back and say, Oh, this is actually the Pareto optimal way. To solve this, there's a lot of path dependency for how the system is now where you're going to kind of make incremental improvements within the bounds that you have. And like, it would probably be better to be able to just start over from scratch. But easier said than done. When you have a very strong vested interest from companies have poured a lot of money into lobbying.Jillian  27:07Exactly. Yeah, too many people get paid way too much for this to ever happen. So it's a little bit of a pipe dream for me. But we'll go can wish not me that's exactly.Nik  27:21Alright, well, I want to make sure that we're staying on top of our time here. What one other one? Oh, man, this is like come given the most basic answers. So this is where you can start tuning out if you're listening in. But another kind of trend that I think is gonna change our style and quality of life is more mass adoption of different like point solutions and AI. You're starting to seeJillian  27:44crbc Yeah, exactly. Yeah, as the new hot topic.Nik  27:47I'm investing at the intersection of AI crypto. All the buzzwords. Yeah, exactly. please invest my fun to not a general solicitation. But, you know, alright, so like, there's all this hype around these, like consumerize AI products like GPT, three and Dolly and stable diffusion. Now that like, I don't know, if there are like proven commercial use cases yet. So it's like really cool to play around with these tools. But, you know, there's a couple of interesting companies like Jasper that's like building like a marketing specific engine on top of GPD. Three, but not, it seems like early days. And I don't know, kind of how investable a category it is yet because a lot of the market hasn't been proven out a lot of kind of scale, like enterprise use cases are not there yet, are still very early. But eventually, you're starting to kind of see that what a lot of what's considered to be creative work or knowledge work is actually pattern recognition, like it did to kind of an extreme point where even writing a good book, or making an evocative piece of art, is actually kind of just pattern recognition, where if you look at enough, really, you know, vontade artists, you too, can make a painting that kind of looks like it should be, you know, high art. And then for whatever the you know, goal is of art or writing a book or doing anything creative. You can you know, pass off that product and monetize it and do it and automatically do it like this massive amount of scale, within seconds, rather than actually have like a human creative process. And so it feels like there's gonna be a big labor dislocation from that. And all of a sudden, you have, you know, the lawyers of the world who are not as necessary in bulk to be able to put together you know, all the underlying documents for like a large m&a deal or like a take private or, you know, an LBO. And so what the world looks like after that is really interesting. You know, what new jobs and like sectors and jobs crop up after that, and like, is that dislocation, you know, really disruptive to like a huge swath of the population who all of a sudden find that like their jobs are replaced by like aI they can do like or work like more efficiently than they can. War is like gradual and like do you have retraining programs? I think it's it's kind of it's gonna be an interesting question. See that play out?Jillian  30:09No, I absolutely agree. And I think that I mean, you see it across the board with, obviously AI, but then automation in general, like I remember even I interned my freshman or sophomore year in college on investor sales and trading. And like, there was like nobody on the equity floor, it was like three people or something like that. And because most of it was automated, and they just didn't need to do anything, like they didn't need to pick up the phones really, like everything was on IV, like Bloomberg chat, like, that's all they need to do. And like, they would talk about that. And I remember there was one guy on there who started his career, like on the floor of the New York Stock Exchange, as like a ticket runner. And like, he would talk about how like how much it had changed and how crazy it was for him to see like how basically, his job had been automated away. And to see that now happening in more and more spaces, where to your point, like, you think like a human is fully necessary, and you kind of need that like mental capacity. It's kind of like, it's it's very strange to be like, oh, yeah, no, like, we're actually not that necessary, like reading a book now. Like, have ai do that as well.Nik  31:22Yeah. What does it mean, when all of a sudden society progresses, like, in spite of humans, just not needed to like move the wheel forward anymore, it's probably a good time to come out and just admit that my newsletter and my tweets are all written by GPT. Three. I've been on vacation for the last two years. All right. And so final topic. This is actually the question I'm most excited about. I think it's a super interesting one. And I'm gonna let you answer first. Have we experienced the defining moment of the decade? If so, what is it? If not why?Jillian  31:57So it's interesting, because like, obviously, we're very early in the decade, but a lot. That's gonna say a lot of s**t. I think I was told. So apologies if I'm not a lot has happened already. In this decade. I was asked this question, actually, like, probably a year ago. And at that point, I said, Yes. Now?Nik  32:23I don't think so. And was that COVID? A year ago?Jillian  32:26Yes. Now? I don't think so. However, I would probably say that, like, the catalyst for whatever is going to be the defining moment has already begun, and has already been said, meaning like, could that catalyst be like Russia? Is War On Ukraine, starting a much broader war? Potentially? Could that be us going into a much bigger financial crisis and recession? And like, Yes, I think there's a number could be like a much bigger political crisis that we have, potentially. And so I think there's a number of things that like, have already you're seeing like the sparks kind of starting, that I think could be a lot bigger. But I don't think that we've actually seen the climax of it quite yet. And I think that's where I kind of stand on that.Nik  33:22I like that I would have totally said, either COVID, or the war in Ukraine is the defining, like, touch point, like this decade? And when you said, No, I was like, okay, maybe I should up my game in this answer a little bit, like Think harder. And I was trying to think back of, you know, think back on what other defining moments and other decades have been, and you can kind of see, you know, in the in odd Suez, like the global financial crisis really feels like it stands out more than anything else, as an example. And so it feels like our understanding of the world order, and like the Pax Americana that we've had, since, you know, most people like the millennial generation have grown up, ended and abruptly shifted with the Russia Ukraine war. And so the outputs of that, to me feel like a very compelling answer for a defining moment of the decade. But if I had to align with you and say, No, there's something that's gonna be even more defining. In my mind, this is like, I want another one of my basic thought boy answers, but we've watched China grow their economy and grow their influence on the world stage over the last 30 or 40 years, and a lot of people refer to it rightfully so as a Chinese miracle. Because if you look at like the rates of extreme poverty, like they've pulled an amazing amount of people out of poverty that if you look at like the skyline of like Shenzhen or like, Shanghai, like over a 30 year period, like it's just crazy how fast it's grown. And you know, the economy has grown by like low double digits, high single digit percentages every year, and now you're starting to see that slowed down a little bit. I'm sure that a lot of it is due to like supply chain issues and COVID. But like, there's probably also some kind of secular slowdown in that growth as well. And so it feels like this decade is kind of could be a transition point between growing your influence and establishing, establishing yourself in the world stage and starting to exert your influence. And what exactly that looks like, I think is could be a defining moment for us politically, like, do we continue to live in like a unipolar world or a multipolar world? You know, do we have kind of another cold? Where where like, countries independently decide who they want to align with and whose model they accept? You know, a lot of the, like soft power influence like the Belt and Road Initiative, does that become hard power and kind of a more, a more kind of like overzealous foreign policy that feels like, it'll have ramifications for like, where we sit in the US and like, our position in the world, and like how we are perceived. And so that, to me is like, it's another like, raise and ensure that everybody's talking about but it feels relevant.Jillian  35:54No, I like that answer a lot. And I think my only answer, oh, my only rationale for why like Russia, Ukraine, currently isn't is. And again, this a little bit US centric, is because I think a lot of Americans have like a very short attention span. And so like, for awhile, it was like the worst thing ever. And then they kind of forgot about it for a little bit. And I think like, it's come back a little bit, but like until it is, unfortunately, like impacting our day to day a little bit more. People aren't going to think it's like the end of the world. And so I think that's where it's like it needs to progress, unfortunately, out outside Ukraine a little bit more. For it to, at least from the US perspective, be the defining moment. But I do think that Russia invading another country is a huge, huge, like moment in the world. I do think though, maybe it's also more so from my perspective that I do think it can easily lead to more and more of an expansion of of the war globally. And then also, like, there's the risk of like China and Taiwan and things like that as well. That don't seem as far off anymore inNik  37:11this world. So yeah, exactly. Like now, it's like what we thought was unthinkable is no longer unthinkable. Exactly. If you read like early stories of World War One, World War Two, you have all these, like populations that didn't want to go to war. And it was just like, the inevitability of all these, like international agreements that kind of dragged you in there. And I feel like now steps are being taken to avoid that. But to your point, it's kind of hard to tell what steps will escalate things and how, like, what looks like to be to country conflict, spiral and have broader, like more severe international implications? Exactly. Definitely trying to place a premium on good leadership. Yes. Okay, now that we've covered all the easy topics. And I'm sure when this gets published, they'll have million VCs who become experts on the war on Russia, Ukraine. That's my word wrong. But we can we can take the blowback when it comes. I love the idea that you had for a FinTech rapid fire, just power through some questions like popcorn like top of your mind, right. And so let's start. Let's start with a question that I really have no good answer for but favorite FinTechJillian  38:26ad. Recently, maybe this is just because it's top of mind. Cash App has a ad with Kendrick Lamar, Ray Dalio and some comedian his name I do not know I apologize. And it's basically like Kendrick Lamar is like the translator for Financial Services and Financial Literacy between the two of them because like they can't understand each other and it's actually very funny.Nik  38:53Yeah, that was wild, who saw Kendrick and Ray Dalio getting into a room together. So I want that podcast that's a podcast you're listening to Well, we talked about this for a second but I was I thought it was really interesting at the Super Bowl a couple years ago and so if I ran an ad about who should not apply for so if i car and I heard some reports afterwards I was like actually increase like their average like, applicant quality but I was just like, wow, like IT tech is like such a like positive and like, like you kind of paper over a lot of like, the underlying, like difficulties like products. They're just like, leaning into it. I was like, That was that was an interesting way. Roleplay Yeah, I guess. All right. Favorite FinTech or finance relatedJillian  39:41book is probably the lamest answer possible, but like I love Michael Lewis. So The Big Short, like that was the book that like made me want to get into financial services officially. So I'll take that.Nik  39:54That's awesome. I want to trade the world. Actually, in the same vein, I would say My favorite book about that terrifying that I've ever read is the ascent of money by now for and and it's like very, like I feel like Michael Lewis is such an evocative writer and Ferguson also has like a great way of just like taking what should just be a really boring topic, like the history of like money movement, and like Western Europe developing the monetary systems like actually make like super engaging. More recently, I am a big, this is no secret to anybody who sees my twitter but I'm a big fan of Sofia Goldberg is the founder of word answer. And I picked up her book Field Guide to global payment systems. And yeah, it was really just easy to understand. And also kind of like, maybe appreciate, like how much domain expertise you build up in FinTech like, oh, yeah, like these are actually like, not accomplices, like everybody, like comes out of the womb, knowingJillian  40:46Oh, yeah, and actually making it where people can understand like, that's like the payment stack is very impressive. And that making it interesting as well.Nik  40:55Yeah, totally agreed. It's a Christmas present, I'm getting for all my family. Getting invited back to Christmas. All right, FinTech app or product that you use the most.Jillian  41:09I would say. I don't want to say lame, but sorry. Marcus and betterman are probably the two I like automated to take to my paycheck every two weeks. So I'd say probably those two.Nik  41:23They love that. I mean Fintech is FinTech, even if you're getting it from Goldman Sachs. I mean, my answer is equally lame. It's like, it's definitely Venmo I think just you know, real time instant peer peer payments with my entire network, it just made my life so much easier. I have an issue actually, where I created a merchant account for this week in FinTech because we had to accept like Venmo payments at events way through. And they're like, threw me into like a, like a bottomless rabbit hole of KYC for my personal Venmo account, cuz like they're both linked to like the same, like, Chase Bank profile, even though they're two separate accounts. And so like, there was like, a little period where I went without Venmo. And I was like, this is awful.Jillian  42:05I had to, like, ask people to pay back your friends.Nik  42:09That was like, honestly, like, you think it'd be awful because like, people can't pay me back. But it was like, even worse for me. Like when somebody was like, Yo, can you hit me up for dinner? And I'd be like, can I write you a check? Or can I send you a zombie? Like, what kind of sketchy stuff? Have you been doing that? You know? I just realized how much I relied on it. All right, number one item on your FinTech wish list. I thinkJillian  42:31it would be in like, there are some companies kind of trying to do this. But it'd be something that like, told me how to optimize my finance better, but at the point of action, and like, I hate no offense to anybody, but like, I hate PFM. Like, I don't want to see how poorly I'm spending my money. Like I know, I am not good at it. But like, at the point of me buying something, tell me what I'm supposed to use? Is it better for me to use? Like, which credit card? Is it better for me to use a affirm? Or is it better me to do X, Y, and Z? At the point of me getting paid when I move money into betterman, Marcus or anything else like which one is best for me to do and optimize? Or like doing it at that point of actual action, I think is the most impactful versus, like, just kind of giving me advice later on. I just don'tNik  43:20$200 at restaurants last week. Yeah. Like I know,Jillian  43:23all my money goes to food. That's not helpful. I'm not going to change that.Nik  43:27Okay, but who's released here? I actually have the exact same answer as you. I would love just an app that tells me where all my money is at any one time all my money like all three or $49. But like we're all my money, is it any one time and then like has a little flag that can tell me if something's not being used ultimately, like, you've got this much sitting in a digital wallet. Like you should be like, you know, investing in like, you know, T bills or something like while it sits there. Yeah, exactly. Okay, most underrated FinTech founder. Oh, God.Jillian  44:01I don't want to do anyone that I've I've invested intoNik  44:04Silla portfolio. So I will ignore that.Jillian  44:06This might be a little bit top of mind because I saw the person today. But I'd say two of my favorite fin tech founders, just because they're like two of the nicest people are Tommy Nichols and or Sigrun. They're just like, really great humans. And Allah is a great company.Nik  44:28I totally agree. It's been. It's been awesome. Like watching. We like beta, that company pedal. And I was like, Oh, this is like an interesting tool. And it's just grown so much. And I feel like they are so intentional about how they grow and structure the company and what they do and the kind of environment that they're trying to create their workforce and I'm a huge admirer of theirs. Absolutely. Oh man, this is like also top of mind, but not a company that I've invested in and I just want to shout her out but Daraja clued in her co founder of her right foot They're kind of in the same mold. Like, I feel like they're intentionally working on a problem that matters to a lot of people debt repayment, and doing it in a thoughtful way with a good product and kind of the right mentality. You know, do to reach out to me one point about making introductions to prospective investors to diversify, you know, her own cap table, and I feel like caring about that, like, not just like, that you're getting money in but like, where your money is coming from is like a level of intentionality that like I kind of hope to carry and like really respect,Jillian  45:31absolutely, Stephanie's her, Patrick, or I'm also really paid a lot of attention to that. And that's something I respect so much.Nik  45:38Yeah, I totally agree. So shout out to all of you. Okay, we're coming towards the end here. But who would be the mayor of FinTech town?Jillian  45:50I think this probably changes. But right now, it's probably the founders of stripe. I'd say they're just like, consistently the top dogs in FinTech. And I've really changed. FinTech probably the most in general. So shout out to Patrick.Nik  46:07Yeah. And they'd like to it was such a positive attitude to I feel like they're very, like, positive. So we're not going to get involved in petty infighting, we're not going to compete. We're going to layer climate into all of our products, which we don't have to do we have, you know, an oil Geyser of payments, revenue, and yet we're going to be intentional about what we see as bigger social issues. I love that answer. Mine is much more shallow. It's based on like, Twitter activity following alone, but I feel like it's hard to make a case against shield mo note.Jillian  46:40You know, I had a feeling you were gonna say him, for INik  46:42know, I'm too much of a fanboy. But I just feel like, he also I don't know. He He's older than I am. I'm 33. And he has the intellectual curiosity and energy of somebody who just learned about what FinTech was yesterday. And it's like really hard to retain that over time. Like you get kind of calcified. You get set in your ways you like develop beliefs, and it's something that I admire a lot, but like I see it, like, kind of go into like, how many people he wants to meet how he engages all of them and like to me, that's like, just going out and shaking hands and kissing babies and being being mayoral. Absolutely. Okay, we have three minutes. So we have three questions. So let's close the rapid fire. If FinTech were a movie, who would the bad guy be?Jillian  47:26I would say, you could argue like the regulator's for when they stop things from being able to happen. You could argue the bank sometimes. And also, like I think lenders are kind of oftentimes don't have really great intentions with consumers. So those are like probably my three that I'd say. Cuz you can always argue that they could be the bad guys.Nik  47:50Yeah, I feel like it's a play to another question we have, but I feel like there are a lot of non incentive aligned with customer products that exists in the traditional financial world. And crypto definitely and and fintech. And so being able to like understand kind of weed out those customer adverse products, I think would be like the thesis of like the FinTech movement. If you want FinTech to be around, you need to weed the bad guys out. Most transformative slash impactful FinTechJillian  48:21I'd probably have to go plaid or stripe.Nik  48:25Totally, for reasons already discussed, like they just facilitated this whole ecosystem. This is like a little bit like outside of like my, like tight aperture, but I'd say UPI in India. Now it takes in Brazil a little bit, but like it's crazy, like how much innovation and building has been enabled, like government backed initiative for payments rails, like is the government of India, the number one FinTech innovator the last decade, you know, probably not, but like, it's just crazy how much has been built off of that.Jillian  48:54And pace. It was another one I was gonna say, Well,Nik  48:57yes, absolutely. I mean, like pick up like how big like the, like Pan African remittances ecosystem is now in terms of companies and like different quarters, and it's all from a pace. It's insane. Okay, last question. Why don't get down here? Is all FinTech net good for the world. No.Jillian  49:18No, I think that I think a lot of companies even when they want to necessarily do good, don't necessarily always have the best intention for the consumer. And I think it's very given that we are dealing with people's money, I think it's very easy. Whether or not there's intention behind it to get people in trouble because you're dealing with money. Other people don't know how to manage their own money. And so you can easily get people in trouble in that way. But then also, oftentimes, business models are not necessarily aligned with consumers as well. And so that can be a challenge.Nik  49:52Totally. I agree. Maybe a weird question or way to answer to end on but you know, finance is a tool the end of the day and the tool can be used for good and it can be used for not good I think it's our role as stewards of FinTech to make sure that we're moving more resources towards the good side. So, thank you for coming on to the show today and talking a little bit more about how you're making FinTech better.Jillian  50:11Absolutely. This has been fun. Cool. All right. Thank you are You didn't hit record Get full access to This Week in Fintech at thisweekinfintech.substack.com/subscribe

Listed as one of America's most influential aromatherapists, Amy Anthony is currently the New York State representative for the Alliance of International Aromatherapists and has her private practice called NYC Aromatica which includes one-on-one customized aromatherapy sessions, online class offerings, corporate consulting and article writing.Among America's top certified Aromatherapists and self-proclaimed Aromatic Gardner, Amy is a sought after voice on how essential oils can support our health, connect us with nature, enhance mental clarity and help cope with life's overall challenges.Host of the Essential Aromatica podcast, Amy also tends her own aromatic garden on the North Fork of Long Island where she houses her artisanal distillery, and creates unique blends for her clients.On the show, we will talk about:The critical, genuine and authentic role essential oils may play in supporting overall health, recovery and menopause.The relief essential oils can provide for menopausal symptoms.Key essential oils for supporting wellness and vitality.Safety concerns and guidelines regarding essential oil usage and application.Some of the recommendations made by Amy:Rose Geranium (Pelargonium graveolens): overall balancing Ylang ylang (Canaga odorata): sensual, languid, reminiscent of Jasmine but definitely has its own presence. (Here's a piece I wrote about Ylang ylang: Plant Talk with Ylang Ylang Essential Oil - NYC Aromatica)Vetiver(Chrysopogon zizanioides): I like to blend this one with Rose (Rosa damascena) for grounding and cooling, this goes for the mind, skin and yes, hot flushes. It is calming, cooling stability. For Sleep: Some of the classics are Lavender (of course!), Roman chamomile (Anthemis nobilis) and Valerian root.  A classic sleep mist: put 2 ounces of distilled water into a 2-ounce spray bottle, add the following essential oils; always shake before using. Spray your pillow and even your hair 2-3 times before going to bed: 24 drops Lavandula angustifolia essential oil3 drops Roman chamomile essential oil3 drops Vetiver essential oilAmy is the Host of the Essential Aromatica Podcast Foller her and learn more at NYC Aromatica and on InstagramSupport the showSupport our show my creating a review and sharing to your friends. https://podcasts.apple.com/BeautyCallPodcast https://www.iheart.com/BeautyCallPodcast https://podcasts.google.com/BeautyCallPodcasthttps://music.amazon.com/podcasts/067daae4-e305-4f16-be98-a36b6cf54df6/beauty-call-podcast-beauty-inside-and-out?refMarker=nullGiveaways coming again in December! Love you all!

There are so many great founders and VCs moving to LA! Vinay Singh is a Managing Director at Anthemis where he leads seed and Series A investments out of their early stage fund.  Vinay tells us that Anthemis is a global investment platform focused on the digital transformation of financial services, investing across all stages of growth.

Hanna grew up in the life insurance industry as both her parents were life insurance agents. She founded a financial planning agency in 2014 focused on helping affluent families and businesses build tax efficient assets and protect their legacies. She and her team placed over $2B of life insurance coverage, mostly through life insurance wealth accumulation policies. In 2019, she and her cofounder started Amplify with the mission of building the first digital and customer-centric life insurance platform focused on helping customers build wealth and protect their families. Highlights from the Show Hanna grew up as the child of two life insurance agents, and started her own financial planning agency in 2014 She focused on helping clients think about life insurance as part of their financial or wealth planning picture, helping with retirement planning rather than just using it as a death benefit In 2019, Hanna co-founded Amplify with a recognition that the way life insurance is sold did not meet the increasingly-digital way that people were consuming things, including other financial services products In the more complex permanent life insurance space she was focused on, this was even truer than in term life, where there were starting to be some inroads into direct and digital sales COVID has brought more digitization, but the gap with what customers want is even stronger today as the customer expectation bar has continued to move despite the adoption of more digital tools in life insurance Life insurance products that are tied to wealth management are known in the High Net Worth (NHW) and Ultra High Net Worth (UNHW), but aren't known elsewhere and yet can be beneficial Amplify looked to spread the availability and understanding of these products, but in a lower-cost, more streamlined way so it is more accessible Amplify sells direct to consumer and through B2B2C digital fintech platforms they embed into B2C allows them a sandbox to see customer needs of consumers clearly and first hand Their partners are in the financial services space, so it's tied in nicely to what Amplify does Life insurance is generally thought to be something that must be sold, but Hanna points out that it had to be sold because it was always (and only) sold The complexity of the product often came from a desire to reinforce the value of the agent or to create products for edge cases rather than to create something that could be bought (understandably), so Amplify has used transparency and simplicity as guiding principles Amplify raised their seed round in March of 2020 lead by Anthemis, did an A round in October of 2021, and just announced a round lead by Munich Re Ventures They started selling direct in 2020, added partners in 2021, and now are looking at how they can use the rich set of customer persona and demographic info to design unique products to meet the needs of their underserved customer demographic Looking forward, over the next decades, digital access and transparency will increase, as it has in other areas of financial services, while there will still be room for agents, though in more bespoke and high end products and customer segments This gives Hanna hope about the protection and financial wellness options that more people in broader demographics can benefit from This episode is brought to you by The Future of Insurance thought leadership series (future-of-insurance.com) from Bryan Falchuk. Follow the podcast at future-of-insurance.com/podcast for more details and other episodes. Music courtesy of UPbeat Music, available to stream on Spotify, Apple Music, Amazon Music and Google Play. Just search for "UPbeat Music"

It's tough to raise capital these days – VC wallets are tightening as many investors are opting for a wait-and-see approach. This makes it harder to land a deal and get more cash through the door. For entrepreneurs in need of financing for their companies, equity capital is still the most popular approach but harder to come by in an inflationary environment. However, dilution by selling ownership shares in your company for a part of future cash flows is not the only way to get capital. There's also debt, which comes in the form of bond issues or loans, a means of financing operations without dilution, as long as – again — you have the cash flow to pay back the loan. But today we're talking about another way of accessing capital – recurring revenue financing - so if there's cash flow coming in, this recurring revenue is made into a tradable asset that can be sold to investors. It's a dilution-free and debt-free form of financing, which I'm exploring in more detail with Michal Cieplinski, Chief Business Officer of Pipe and Farhan Lalj, Investor at Anthemis.

Swarnali Mitra is currently an early-stage investor at Anthemis Group where she invests in female founded and co-founded companies at the pre-seed/seed stages. Her background spans across engineering, product, public policy and capital markets and she is most interested in solving the hard problems of fintech. She talks about the importance of funding female founders (and how we can do it!) as well as the key things you should consider highlighting as a founder pitching for funding before building traction. (Spoiler: Swarnali LOVES founders who are able to articulate the potential for long-term sustainability.)In this episode, you will hear more about:Swarnali's path from engineering to venture capitalWhat we can do as an industry to see the 2% of venture capital dollars going to women increaseWhy we can be optimistic about the current landscape for startup fundingThe core qualities that an early-stage founder should be focused onConnect with your host on Instagram at @shauna.armitage and listen to more Startup Renegade stories at www.startuprenegades.com

Amy Nauiokas, Co-Founder and Co-CIO at Anthemis, discusses funding trends for female venture capital founders. Dr. Gigi Gronvall, Senior Scholar at the Johns Hopkins Center for Health Security at the Bloomberg School of Public Health, discusses the latest on monkeypox and covid-19. Bloomberg Crypto Reporter Olga Kharif talks about the crypto market. And we Drive to the Close with Cole Smead, President and Portfolio Manager at Smead Capital Management.Hosts: Tim Stenovec and Katie Greifeld Producer: Sara LivezeySee omnystudio.com/listener for privacy information.

In today's episode, we're talking to Anthony Danon, co-founder of Cocoa, one of the hottest emerging managers in Europe these days pioneering a strategy of being VCs turned angels. Cocoa are deliberately small (17 M€ and nearly 3x oversubscribed). They are backed by some of Europe's top decacorn and unicorn founders. Prior to launching Cocoa, Anthony has been with Anthemis and Speedinvest and his partner Carmen Alfonso Rico with Samaipata and Blossom. They've both led high-profiled investments into companies like Hopin, TrueLayer, Primer, Wayflyer, Tide, and many more. In this episode you'll learn:– The investment thesis of being VCs turned angels and Anthony's reflections on the rise of micro funds – The fundraising tactics and narrative excellence that allowed Cocoa to close their fund in record time and heavily oversubscribed– Why Cocoa said no to VC money in their LP base and prioritized founders and operators– How Anthony thinks about the current market and the need to adapt as VCs

Amy Nauiokas, Co-Founder and Co-CIO at Anthemis, discusses funding trends for female venture capital founders. Dr. Gigi Gronvall, Senior Scholar at the Johns Hopkins Center for Health Security at the Bloomberg School of Public Health, discusses the latest on monkeypox and covid-19. Bloomberg Crypto Reporter Olga Kharif talks about the crypto market. And we Drive to the Close with Cole Smead, President and Portfolio Manager at Smead Capital Management.Hosts: Tim Stenovec and Katie Greifeld Producer: Sara LivezeySee omnystudio.com/listener for privacy information.

Sign up for my Daily Fintech or Daily Digital Banking Newsletters here. Check out my latest podcast episode below: This podcast episode is sponsored by Privacy Lock. Privacy Lock sets the standard for financial service providers in data privacy compliance. Protect your business and your customers today. Visit www.pentaprivacylock.com NEWS HIGHLIGHT New marketing rules are set to be introduced by the UK's financial regulator to reduce the number of consumers making “high-risk investments” that are not in line with their risk tolerance. The Financial Conduct Authority (FCA) yesterday set out rules that will impact the peer-to-peer lending and equity crowdfunding sectors, including clearer risk warnings and banning some incentives to invest, like refer a friend bonuses. Link here. FINTECH NEWS #donedeal Tabby secured debt financing worth $150 million from two US-based investors, in what the company said is the largest credit facility for a fintech firm in the Gulf region. While concerns over inflation and a looming recession have hurt such companies in developed markets, Dubai-based buy now, pay later startup Tabby expects demand to continue rising in the Gulf where access to credit is scarce. Link here. Raincoat raises US$4.5 Million in a seed round led by Anthemis. With the new round, the company will have around US$4,650 in funding.Raincoat is a Puerto Rico-based startup that provides insurance solutions for weather-related disasters. Link here. Cred finalises acquisition of smallcase for $400m. Cred is an Indian FinTech unicorn based in Bengaluru that provides a member only credit card management and bill payments platform. Link here. Savana has closed a $45 million Series A round led by Canadian growth-stage investor Georgian. US banking tech heavyweight Fiserv also participated in the round and intends to expand its existing reseller agreement with Savana. Link here. Kenyan insurtech Lami raises $3.7M seed extension led by Harlem Capital. Speaking to Techcrunch, Lami's founder and CEO Jihan Abass further announced plans to offer additional insurance product lines, while also revealing that the startup has made an entry into Egypt and Nigeria. Link here.

Alex Mifsud is the CEO & Founder at embedded finance disruptor Weavr – who recently raised a $40m Series A led by Tiger Global. Other investors include QED, Anthemis, LocalGlobe, Mubadala Capital and Seedcamp. Alex walked me through his: journey from academia to tech entrepreneurship learnings - including "how to go as fast as possible without the wheels coming off"! product philosophy: "put yourself in the shoes of customers and start designing the solution you would love to have if you were them" views on hiring & diversity: “the danger of cloning versus the danger of lone wolves” perspectives on the challenges of being a tech entrepreneur: “if it were a very straight line it would be a really boring job”! For more insights into Weavr check out https://www.weavr.io/ and for guidance on hiring leaders for B2B SaaS scale-ups head over to https://alpinasearch.com/

Nigel Walsh and John Bean are joined by a fantastic panel of guest to discuss the most recent and exciting news in the world of insurtech. Joining us today: * Ruth Foxe Blader, Partner at Anthemis  * Jeff Radke, Co-founder and CEO of Accelerant * Brian Fritton, CEO, Havoc Shield We cover the following stories: * UK launches post-Brexit shake-up of insurance rules - 2:48 * Insurtech investment drops 58% in Q1, deal flow stays high - 12:36 * Insurtech start-up Turtlemint bags $120m as valuation tops $900m - 27:19 * Lloyd's of London prepares to fight over picking the tab up for $10bn Russian-seized planes - 39:00 * Italian BeSafe Group secures €1.2m for its insurtech for the travel industry - 47:08 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. Follow us on Twitter: @instechinsiders where you can ask the hosts questions, or email podcasts@11fs.com! Special Guests: Brian Fritton, Jeff Radke, and Ruth Foxe-Blader.

Businesses thrive or die based on the communities they surround themselves with. So, have you ever thought about your business's communities? Communities are all about connections. Without these solid connections, it can be hard to keep your business growing. Erica Young is a life-long observer and student of networks. She brings those learnings to Anthemis as the Head of Community and Network and applies these principles to drive portfolio company growth, harnessing the power of the Anthemis network to cultivate change in the financial system. Also the founder of The Reliants Project, Erica joins the show today to discuss the power of networks and how these networks influence our well-being, relationships, and communities. Resources and links mentioned in this episode can be found on the show notes page at www.staceybrownrandall.com/202   

Welcome to Valuable Conversations with the UCL Institute for Innovation and Public Purpose. Today's guest is the legend herself, Dr. Carlota Perez. MPA alumni Teresa Miquel and Justin Beirold talk to Carlota about her life and work. We discuss her journey from architecture to economics (both heavily male-dominated fields), and how she began to formulate her theory of techno-economic paradigms. We also talk about how her theories apply to today's world, with a particular emphasis on Latin America (where both Carlota and Tere are from). Carlota is 82 years young and sharp as a tack. It was an honor to record this conversation, and we hope you enjoy it as much as we did! Guest Bio: Carlota Perez is a leading scholar on the socio-economic impact of technical change and the historical context of growth and development. She's the author of the influential “Technological Revolutions and Financial Capital: The Dynamics of Bubbles and Golden Ages”, and she's currently working on multiple projects which focus on the historical role of the state in shaping the context for innovation. Carlota's career has spanned civil service, academic research, teaching and consultancy. She is currently Honorary Professor at IIPP-UCL and at SPRU, University of Sussex; Professor of Technology and Development at TalTech, Estonia. an Academic-in-Residence at Anthemis. As a consultant she has worked for several Latin American governments and multilateral organisations, such as the UNCTAD, CEPAL, OECD and the World Bank; and for many global corporations, including IBM, Cisco, Telefonica and IKEA. She was recently chair of the European Commission's Horizon 2020 Expert Group for Green Growth and Jobs and is now part of the EU-funded Beyond 4.0 project. -Read more about Carlota from the IIPP: https://www.ucl.ac.uk/bartlett/public-purpose/people/carlota-perez -Part 1 of her 9 part blog series for the IIPP: “Second Machine Age or New Technological Revolution.” https://medium.com/iipp-blog/second-machine-age-or-fifth-technological-revolution-part-1-ed66b81a9352 - Follow Carlota on Twitter: @CarlotaPrzPerez Learn about our MPA alumni hosts: -María Teresa Miquel Arce (Link) https://www.ucl.ac.uk/bartlett/public-purpose/maria-teresa-miquel-arce -Justin Beirold (Link) https://www.ucl.ac.uk/bartlett/public-purpose/justin-beirold Follow IIPP on Twitter: @IIPP_UCL https://www.ucl.ac.uk/bartlett/public-purpose/ Production and music by Justin Beirold

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Matthew Jones is a Managing Director at Anthemis, where he is responsible for sourcing, analyzing and executing investments as well as providing support for Anthemis' portfolio companies. He brings in-depth knowledge of the insurance sector and focuses on investments in insurance and risk-related technology. Matthew's areas of interest include analytics and data, artificial intelligence and automation, asset management, digital health, mobility, new insurance propositions and risk management. Prior to joining Anthemis, Matthew was at Swiss Re, with roles across non-life and life insurance and reinsurance in both London and Zurich. Matthew previously served on the boards of Flock, Hokodo and Stable and is the resident venture investor for Carrier Management's VC Viewpoint series. He holds a bachelor's in business administration from the University of Bath and also studied at Queen's University in Kingston, Ontario. Follow the Insurtech Leadership Podcast airing weekly hosted by Joshua R. Hollander. We give you up-close access and personal insights from the leaders of the fastest-growing #insurtechs and most innovative #insurance carriers and brokers.

In this special episode of the Founders Coffee Club, we're celebrating International Women's Day! Our host Daisy King spoke with Ana Mahony, founder and CEO of Addition Wealth, who is also a participant of our Female Innovator's Lab by Barclays and Anthemis. They discussed what Break the Bias means to Ana as a female entrepreneur, her views on the relationship between power and money and what companies can do to encourage a world that is more diverse, equitable and inclusive. 

For start-ups and scale-ups, funding is the fuel for growth. But after a record-breaking year for insurtech investment, what can we expect to see in the investment space in 2022? Ruth Foxe Blader and Matthew Jones from venture capital investor Anthemis join Matthew to discuss the current financial markets and the opportunities that are attracting investors right now. Talking points include: Assessing IPO performance and the investment appetite for insurtech What Anthemis looks for from new companies and solutions How new sources of data are creating new product opportunities The growth of embedded insurance and what's next How to encourage entrepreneur diversity in insurtech If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn.  Sign up to our newsletter for a fresh view on the world every Wednesday morning. Continuing Professional Development - Learning Objectives InsTech London is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech London podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. The Learning Objectives for this podcast are: Define what an IPO is and how it is reflected in an investment's performance Summarise some of the things an investor looks for in a new investment opportunity Identify the developments in the insurance industry that are leading to new investment opportunities If your organisation is a member of InsTech London and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 176 page of the InsTech London website or email cpd@instech.london to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

David Drapkin sits down with Amy Nauiokas, the Co-Founder, Co-Chair, and Co-CIO of fintech investing platform Anthemis ($1.2B in AUM), who has been a leading fintech investor for nearly 15 years. Though she has a career that us regular folks might find astounding given she also runs a film and television production company, Archer Gray, which promotes story telling from diverse individuals. Read the companion report on Boardroom Alpha Podcast Topics Intro to Amy and her background Areas of focus for investing at Anthemis Recent capital raise for Anthemis, and plans SPAC, why now and what makes a good sponsor partner All-female, and ethnically diverse SPAC team What does the pipeline look like for a SPAC target How to change the narrative, and tell the story on a SPAC target Any crypto strategy? Final touch on Archer Gray and film career Boardroom Alpha's SPAC ServiceFor ongoing tracking, analytics, and data on SPACs checkout Boardroom Alpha's SPAC Data and Analytics service.

Today on WTFintech? I'm interviewing Amy Nauiokas, the co-founder and co-CIO of Anthemis. She's also the founder and CEO of award-winning production company Archer Gray, which promotes and amplifies a wide array of underrepresented voices and stories. Amy is committed to investing in diverse founders - especially women and women of color.  In fact, she's also the CEO and Chair of Anthemis Digital Acquistions, a 100% female-led and ESG-focused special purpose acquisition company.  You can follow Anthemis on Twitter @anthemis You can keep up-to-date with everything WTFinech? at https://workweek.com/brand/wtfintech/ (https://workweek.com/brand/wtfintech/) This episode of WTFintech is brought to you by our friends at https://www.yieldstreet.com (Yieldstreet).

In this episode, Sabine VdL is joined by Matthew Jones, Managing Director and venture capital investor in insurance and risk management-related technology for Anthemis in the UK, Europe, and North America. Through his previous work with Swiss Re, Matthew sponsored Sabine's first accelerator and was one of her most active mentors, engaged assessor, and investor. They both learned massively during the acceleration programme as to what a sustainable business model meant.   KEY TAKEAWAYS At the core of our investment thesis are banks, insurance companies, and FinTech companies. But in addition to those kinds of businesses, we're also actively researching, exploring, and investing in several adjacent industries where we believe that the technology will intersect with financial services in the future, including energy, agriculture, mobility, health, and property tech. For me, cultivating change means that we're prepared to back genuinely different and disruptive ideas that others aren't. Because our team comes from partly inside and partly outside financial services, we try to blend those two different perspectives into thinking creatively about how we back new companies and under-represented founders. Within the context of venturing, there's a rule of thumb that startups should target a 10x better experience for the user or a 10x better return on investment. That's a good rule of thumb. And across financial services, there are so many underdeveloped spots where growth ventures can focus on delivering that kind of outcome. Entrepreneurs that seek funding should seek smart money. They should ask their investors what they believe in, and how they put it into practice. They should evaluate their investment team and the partners too: Are they a diverse bunch? Do they have values that align with yours and are they putting them into practice? Would you want to affiliate yourself with a firm that doesn't have the same values as yours?   BEST MOMENTS ‘Without insurance and re-insurance nothing really happens. Insurance is everywhere, which is great for me as someone who's a little bit obsessive about insurance.' ‘Financial services is the lifeblood of the world's economies. But we recognise it's not perfect and there are opportunities for improvement.' ‘There is no part of the insurance value chain that is immune to the effect of technology.' ‘There's no excuse, and it's not acceptable, for big venture capital companies to have all male and all white CEO portfolio companies. We are in the 21st Century!'   ABOUT THE GUEST Matthew is a Managing Director at Anthemis, where he is responsible for sourcing, analyzing, and executing investments as well as providing support for Anthemis' portfolio companies. He brings in-depth knowledge of the insurance sector and focuses on investments in insurance and risk-related technology. Matthew's areas of interest include analytics and data, artificial intelligence and automation, asset management, digital health, mobility, new insurance propositions, and risk management. Prior to joining Anthemis, Matthew was at Swiss Re, with roles across non-life and life insurance and reinsurance in both London and Zurich. Matthew previously served on the boards of Flock, Hokodo and Stable and is the resident venture investor for Carrier Management's VC Viewpoint series. He holds a bachelor's in business administration from the University of Bath and also studied at Queen's University in Kingston, Ontario. https://www.anthemis.com/    ABOUT THE HOST Sabine is a corporate strategist turned entrepreneur. She is the CEO and Managing Partner of Alchemy Crew, a venture lab that accelerates the curation, validation, & commercialization of new tech business models. Sabine is renowned within the insurance sector for building some of the most renowned tech startup accelerators around the world working with over 30 corporate insurers & accelerating over 100 startup ventures. Sabine is the co-editor of the bestseller The INSURTECH Book, a top 50 Women in Tech, a FinTech and InsurTech Influencer, an investor & multi-award winner.  Twitter: SabineVdL LinkedIn: Sabine VanderLinden Instagram: sabinevdLofficial Facebook: SabineVdLOfficial TikTok: sabinevdlofficial Email: podcast@sabinevdl.com Website: www.sabinevdl.com

Nigel Walsh is joined by a great panel of guests to discuss the most recent and exciting news in the world of Insurtech. Joining us today are: * Ruth Foxe Blader, Partner at Anthemis  * Reny Vargis-Cheriyan, Insurance lead for Risk Analytics TrueVoice Product lead, Deloitte We cover the following stories: * Chubb and Chile Insurtech Betterfly Form Partnership for LatAm Offering 3:35 * Climate Insurtech Demex raises $9m 14:47 * Lyanne, the French startup making insurance companies pay up, raises €1.2m seed round 27:44 * Some private health patients in Australia are paying $800 more for same procedure 39:14 * Iceland offers customers turkey insurance amid Christmas shortages 52:14 All that and much more on this week's episode of Insurtech Insider! This episode is sponsored by Trustly. What if you could re-imagine payments for the insurance industry? What if you didn't have to rely on old and complex payment services and infrastructure? Instead, what if your payment provider could help create a user experience that stands out? And when it's time to pay out a claim it can do so instantly… to millions of bank accounts across the UK, Europe and North America. Trustly are leading the charge in unlocking the Open Banking payments revolution we are seeing today. Their Open Banking platform redefines the speed, simplicity and security of payments, for more than half a billion consumers across the globe. Visit trustly.com (https://www.trustly.net/) to read more about how they help insurtech companies make payments a key part of their digital-first approach. 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 Irina Andronic and edited by Alex Woodhouse. Special Guests: Reny Vargis-Cheriyan and Ruth Foxe-Blader.

Ruth Foxe Blader of Anthemis joins Nick to discuss The Embedded Opportunity in Insurtech, Crypto & Web 3.0 Applications, and the Future of Fintech. In this episode we cover: Ruth's Background and path from English Major to VC What trends she's following in Fintech and Insurtech Opportunities for developing market founders & more!  Missed a recent episode? Go to The Full Ratchet blog and catch up! Also, follow us on LinkedIn and Twitter.

The Anthemis co-founder is an investor, moviemaker and musical theater producer.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Elizabeth Davis (Tuck, ‘20) is a Tuck MBA Alum and Investor at Anthemis. In her role at Anthemis, Elizabeth works closely with the Female Innovators Lab, a Venture Fund and Studio dedicated to helping female entrepreneurs start and scale businesses in the financial services ecosystem. During our conversation, we spoke about Elizabeth's career journey to, some of the experiences behind how she found her interest in the intersection of female entrepreneurialism and financial services, and her motivation for working to empower female entrepreneurs through venture capital.Listen today on Apple Podcasts or Spotify!LinksElizabeth's Background Anthemis Female Innovators Lab  Elizabeth's Twitter

We hope you enjoyed this podcast and if you have any feedback, then drop us an email at podcast@finfoc.com! --- Support this podcast: https://anchor.fm/financefocused/support

Which chamomlie is typically used to make a soothing herbal brew? What garden conditions are required for chamomile to flourish? Throughout history chamomiles have been used extensively medicinally, cosmetically and aesthetically. In this episode we'll take a look at Matricaria recutita (syn. M. chamomlia) and Chamaemelum nobile (syn. Anthemis nobilis), both known commonly as chamomile. Opening and closing music: Botanical Berceuse by Carmen Porter (https://carmenporter.com) References: Singh, Ompal et al. “Chamomile (Matricaria chamomilla L.): An overview.” Pharmacognosy reviews vol. 5,9 (2011): 82-95. doi:10.4103/0973-7847.79103 https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3210003/ (https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3210003/) https://heritagegarden.uic.edu/german-chamomile-matricaria-recutita (https://heritagegarden.uic.edu/german-chamomile-matricaria-recutita) https://www.sciencedirect.com/topics/agricultural-and-biological-sciences/chamomile

Amy Nauiokas, CEO at Anthemis, discusses the strong year for venture capital investing and expanding their Female Innovators Lab into the UK and Europe. Hosts: Carol Massar and Tim Stenovec. Producer: Paul Brennan. Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

Matthew Jones is a managing director at Anthemis, a London-based venture capital firm focused on insurance and risk related technologies. Matthew shares Anthemis' thesis-driven insurtech investment approach, and the things that excite him the most in the first call with founders. He also shares authentic stories showing why it's difficult to uncover impactful opportunities if the team lacks someone with a deep understanding of the industry.Highlights:[3:20] Why many venture capital investors would look at you as if you had two heads when you mentioned insurance in 2014.[8:45] Two kids in a garage writing software can disrupt a traditional industry. However, to build a successful insurtech company, you need to have someone who deeply understands the industry.[12:05] Although due diligence for tech startups is tricky, it's the unpredictability of opportunities in the space that makes early-stage investing exciting.[20:42] Optimizing for investors who are super quick may not be the right thing to do for the company's long-term growth needs.

In this anniversary special for RiseUp, sponsored by Western Union, we address the struggles of minority female entrepreneurs, exploring the unique struggles of intersectionality in the venture capitalist ecosystem, the positive/negative impacts of COVID this year, and the path forward. We spoke with founder Natasha Bansgopaul, DarcMatter, and VC's - Sean Park of Anthemis and Sarah Kunst of Cleo Capital. Sponsored by Western Union and featuring Caroline Tsai, Lead Counsel, WUGuests: Natasha Bansgopaul, Co-Founder & COO, DarcMatterSean Park, Founder & Chief Investment Officer, AnthemisSarah Kunst, Managing Director, Cleo CapitalHosts: Fawn Hudgens, Global Head of Content, Money20/20Kisha Allison, Head of Content, Money20/20 USAProducers: Roland Bodenham, Senior Video Editor, AscentialKisha Allison, Head of Content, Money20/20 USA

What do Broadway musicals and fintech startups have in common? Amy Nauiokas is here to tell us. Amy is Founder and President of Anthemis, a digital financial services investment and advisory firm, and Founder and Chair of Archer Gray, a media production, finance and investment company. We talk about the similarities between creative projects and startups, what kind of people Amy looks for when making an investment and how to combine solid data with gut instinct. Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information.