Podcasts about fintech futures

In this episode of the What the FinTech? podcast, host and FinTech Futures editor Paul Hindle is joined by Coen Jonker, founder and CEO of Tyme Group, to discuss how Tyme has looked to approach its growth strategy amid the evolving digital banking landscape globally, and what's next for both TymeBank in South Africa and GoTyme Bank in Southeast Asia. The conversation explores how the group is utilising advancements in technologies such as GenAI and new fintech innovations to enhance its product suite and meet shifting customer demands, the latest digital banking trends and how new emerging technologies could further transform the banking industry, and Coen's top tips for growing a digital bank in the current macroeconomic climate. And finally, we find out what fintech buzzword Coen wants to throw into our Fintech Jail!

In this episode of the What the FinTech? podcast, we're joined by Nick Kerigan, Managing Director and Head of Innovation at Swift, to discuss the topic of digital assets and how the evolution of the payments landscape driven by innovations such as tokenisation and stablecoins could help enable global payments interoperability. Nick and FinTech Futures editor Paul Hindle explore the latest developments around the use of digital assets in the payments space, the biggest challenges facing the industry as we move towards a more tokenised future, and how Swift is helping to solve the interoperability challenge, with a deeper dive into the company's live digital asset trials launched this year. And finally, we find out what fintech buzzword Nick wants to free from our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we're joined by Clare Pearson, Head of Technology Operations & Delivery Management at Fnality, for a deep dive into digital payment trends. Clare and FinTech Futures reporter Cameron Emanuel-Burns explore the outlook for cross-border real-time payments, tokenisation, digital wallets, and the evolving role of cards in a shifting payments landscape. The discussion also delves into Clare's experience at the Payment Systems Regulator (PSR), her views on its integration into the Financial Conduct Authority (FCA), and her reflections on serving as a judge for this year's PayTech Awards. And finally, we find out which fintech buzzword Clare wants to throw into or rescue from our Fintech Jail!

In this episode of the What the FinTech? podcast, we're joined by Mats Persson Bergius, Chief Commercial Officer at Danish digital bank Lunar, to discuss the Nordic digital banking landscape and how Lunar has been looking to scale its own offering across the region as the bank approaches its 10th birthday this year. Mats and FinTech Futures editor Paul Hindle explore digital banking trends in the Nordics and what customers expect from their banking relationships, how Lunar has looked to approach its digital product strategy to stand out from the crowd and take on the established institutions in the region, the bank's plans for expansion moving forward, and what's next for its recently spun-out BaaS division Moonrise. And finally, we find out what fintech buzzword Mats wants to break out of our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we're joined by Ronit Ghose, Head of Future of Finance for Citi Global Insights, to discuss the rise of agentic AI in financial services and how this new evolution of AI technology could revolutionise the sector and help shape the future of banking. Ronit and FinTech Futures editor Paul Hindle explore the current trends around agentic AI and how far along we currently are in terms of its development, the big use cases for agentic AI in financial services, and the best approaches for implementing the technology to mitigate risk and ensure both explainability and transparency in decisioning. We also dive into the key takeaways from Citi's latest report on the topic, titled Agentic AI: Finance and the ‘do it for me' economy. And finally, we find out what fintech buzzword Ronit wants to free from our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we're joined by Daniele Tonella, Chief Technology Officer (CTO) at ING, to discuss ING's technology strategy and how the bank has been approaching its digital transformation efforts as the rate tech innovation globally continues to pick up pace. Daniele and FinTech Futures editor Paul Hindle explore the latest tech trends in banking and how the evolution of technology is impacting financial services more broadly, the challenges for banks when it comes to keeping up with technological change, and ING's approach to the risk and governance side of transformation and particularly AI. And finally, we find out what fintech buzzword Daniele wants to throw into (and break out of) our Fintech Jail!

In this episode of the What the FinTech? podcast, we're joined by Lewis Turek, General Manager of North America at GoCardless, to explore the evolution of payments in North America amid the rise of a multitude of digital and alternative payment methods and new payment rails. Lewis and FinTech Futures editor Paul Hindle discuss how businesses in North America differ from UK and European companies when it comes to managing their payments, the challenges faced by North American businesses when it comes to adopting new payment methods and how to overcome those, and the work GoCardless has been doing in the region. And finally, we find out what fintech buzzword Lewis wants to throw into our Fintech Jail!

In the opening episode of season six of the What the Fintech? podcast, we're joined by Amias Gerety, partner at QED Investors, to discuss the ever-evolving fintech funding landscape and the outlook for venture capital funding in 2025. Amias and FinTech Futures editor Paul Hindle discuss the technologies and verticals that are attracting the most interest from VCs, how QED is approaching its fintech funding strategy, some key advice for founders when it comes to scaling a new start-up, and of course the big tech trends to keep an eye on looking forward. And finally, we find out what fintech buzzword Amias wants to lock away in our Fintech Jail!

In the final episode of season five of the What the FinTech? podcast, we're joined by FinTech Futures columnists and fellow podcast hosts Dave Wallace and Dharmesh Mistry to take a look back at some of the biggest trends to come out of 2024 and discuss what the new year might bring for the sector. The discussion covers topics including AI, quantum computing, cryptocurrency, the Digital Operational Resilience Act (DORA) and more. And finally, in the spirit of the holidays, Dave and Dharmesh each release an incarcerated buzzword from our Fintech Jail! The What the FinTech? podcast will return for season six in the new year. Stay tuned! Disclaimer: The information provided in this podcast is for editorial and journalistic purposes only and does not constitute financial advice, and should not be treated as such. FinTech Futures does not recommend investments of any kind.

Episode #60 with Theodora Lau, Unconventional Ventures Based in the US, Theodora Lau or Theo as she's known, is Hong Kong born and bred and the founder of Unconventional Ventures. Her firm's mission is developing and growing an ecosystem of financial institutions, corporations, startups, entrepreneurs, venture capitalists and accelerators to make banking better, as well as to meet the often-unmet needs of consumers, including older adults and women. Connecting founders with funders – with a specific focus on underrepresented entrepreneurs is Theo's mission. As part of her work, she regularly mentors and advises startups in both the financial services and healthcare/caregiving space. She is an advisor to B21 Ventures which focuses on entrepreneurs disrupting finance and health through artificial intelligence. Theo has been referred to by the American Banker as one of the “Most Influential Women in FinTech” and is one of few global experts providing authoritative insights on both the US vis a vis Asia.  Besides being a best-selling author, Theo is an accomplished technologist and is much sought after for her unique insights on the success of super apps in Asia, the evolution of AI and the disparity in digital adoption between regions.Theo regularly speaks on the topics of AI, gender equity, FinTech, inclusion, and longevity. She is a guest contributor for various top industry events, publications, and podcasts, including Fintech Futures, the American Banker, BBC, the Journal of Digital Banking, Harvard Business Review, Nikkei Asia, MIT Tech Review, Money20/20, Finovate, RISE, FinTech Week Hong Kong, Breaking Banks, Irish Tech News and the Forbes Technology Council  She is the co-author of “Beyond Good: How technology is leading a purpose-driven business revolution” and co-author of “The Metaverse Economy” (both books are now available in paperback edition). Theo is also the host of One Vision, a podcast on innovation and fintech, runs a weekly LinkedIn newsletter called FinTech Prose on emerging technologies (such as voice-activated/enabled software and AI), inclusion, longevity, fintech, innovation, and using technology for good. Her monthly column on Fintech Futures explores the intersection of FinTech and humanity.  As for her education, she holds a Bachelor of Science degree in chemical engineering from Rensselaer Polytechnic Institute (RPI) in New York, and a Master of Science in project management from George Washington University in Washington, DC.  In this episode of Regulatory Ramblings, Theo discusses the evolving fintech landscape, the digital adoption gap between Asia and the US, and regulatory challenges. She reflects on her journey from growing up in Hong Kong to witnessing the rise of digital finance in the US, noting Asia's diverse fintech ecosystem, driven by tech giants like WeChat and Tencent in China and Japan's conglomerates.Theo highlights why the US lags in digital payment adoption, with many still using cheques, compared to Hong Kong and countries like the UK and Australia, which are phasing them out. She explains how regulatory complexity and siloed systems in the US hinder progress, contrasting with global efforts like Project Nexus for seamless cross-border payments in Asia.Addressing financial inclusion, Theo critiques overpromises by tech creators, noting 4.2% of US households remain unbanked. She emphasizes that tech adoption, not innovation, is the bigger challenge, with banks and regulators often slow to adapt. The conversation also covers the potential of AI and generative tools to drive inclusion globally, along with liability and competency concerns.For more details, please visit: HKU FinTech is the leading fintech research and education in Asia. Learn more at www.hkufintech.com.

In the latest episode of the What the FinTech? podcast, FinTech Futures editor Paul Hindle sits down with Nelson Wootton, CEO and co-founder of SaaScada, to explore the latest trends around core banking modernisation and the growing need for banks still running legacy tech to upgrade to the latest technologies. Nelson discusses the key benefits of modern core banking solutions, the challenges that banks face when it comes to upgrading their cores, and the best strategies to carry out a core transformation programme to limit the risks involved, as well as what's next for core banking technology in the near-term future. And finally, we find out what fintech buzzword Nelson wants to throw into our Fintech Jail!

In the latest episode of the What the FinTech? podcast, FinTech Futures editor Paul Hindle sits down with George Sandilands, VP of Carbon Accounting at Sage, to explore the current state of play around green finance and how the financial services industry as a whole can help tackle climate change. The discussion covers how demands from clients for green finance have shifted in recent years, the evolution of sustainability reporting and the data requirements involved, the key tech innovations and trends driving the future of green finance, and the role fintech can play in combatting climate change. And finally, we find out what fintech buzzword George wants to throw into our Fintech Jail! This episode of the What the FinTech? podcast is brought to you in partnership with FinTech Connect.

Join industry experts Theodora Lau, founder of Unconventional Ventures and co-author of The Metaverse Economy and Beyond Good, and Julie Muckleroy, Global Banking Strategist at SAS as they explore the critical crossroads of AI in banking for 2025. This podcast delves into how banks are shifting from AI hype to strategic implementation, focusing on building foundational elements like data governance and trust. The conversation examines how mature approaches to AI can align investment with board priorities, select strategic use cases, and ultimately deliver meaningful return on investment while navigating complex regulatory landscapes. Key Insights: - How banks can align AI strategies with business priorities - Potential benefits and risks of AI technology - Innovative applications supporting small businesses, fraud prevention, and customer experience - Social good opportunities in AI development Dive into the future of banking technology with this must-listen podcast episode. Relevant Links: 2025 Trends in Global Banking | SAS   Speakers' Bio Theodora Lau, Founder, Unconventional Ventures Theodora Lau is the founder of Unconventional Ventures, a public speaker, and an advisor. She is the co-author of The Metaverse Economy (2023) and Beyond Good (2021), and host of One Vision, a podcast on fintech and innovation. Her monthly column on FinTech Futures explores the intersection of financial services, tech, and humanity. She is named one of American Banker's Most Influential Women in FinTech in 2023. She is also a regular contributor and commentator for top industry events and publications, including BBC News, Finovate, American Banker, and Journal of Digital Banking. Julie Muckleroy, Global Banking Strategist, SAS With a background in marketing leadership roles at SaaS organizations and large US banks like Bank of America and Wells Fargo, Julie brings extensive knowledge and expertise in global banking trends and marketing strategies. She evaluates the future state of banking as a strategist at SAS.   Over the years, GARP and SAS have partnered to bring risk practitioners unique insights on a variety of topics related to risk management. Now we present a series of podcasts focused on making financial risk-based decisions in light of the rapid evolution of artificial intelligence and machine learning. About SAS SAS is a global leader in data and AI. We help organizations transform data into trusted decisions faster by providing knowledge in the moments that matter. No matter how you prioritize risk, SAS has proven solutions and best practices to help organizations establish a risk-aware culture, optimize capital and liquidity, and meet regulatory demands. SAS® provides on-demand, high-performance risk analytics to ensure greater efficiency and transparency. Strike the right balance between short- and long-term strategies.

In the latest episode of the What the FinTech? podcast, FinTech Futures editor Paul Hindle sits down with Paul Foster, Director of Global Payment Partnerships at GoCardless, to explore the growing adoption of open banking payments with a specific focus on GoCardless' recently published report on the topic - How To Take Open Banking Payments Mainstream. The discussion covers the current trends and use cases driving the growth of open banking payments, the benefits of open banking payments for consumers and businesses, and the challenges of achieving widespread adoption and what practical steps are needed in order for open banking payments to hit the mainstream. And finally, we find out what fintech buzzword Paul wants to throw into our Fintech Jail!

In this special episode of the What the FinTech? podcast recorded live at Money20/20 USA in Las Vegas, FinTech Futures' US correspondent Heather Sugg is joined by Ricardo Amper, founder and CEO of Incode Technologies, to discuss the evolution of identity fraud amid the rise of AI and deepfakes and how financial firms can utilise the latest technologies to tackle these fraud challenges.

In the latest episode of the What the FinTech? podcast, FinTech Futures editor Paul Hindle sits down with Clare Gambardella, Chief Customer Officer at Zopa Bank, to explore how Zopa has looked to approach its growth strategy amid the constantly evolving digital banking landscape in the UK. Clare discusses how consumer demands have shifted in recent years amid a challenging economic environment and the arrival of new technologies, and what UK customers are currently looking for from their banking providers, as well as how to navigate the challenges of attracting and retaining customers in an increasingly competitive banking market and at a time when account switching numbers have been on the rise.

In the latest episode of the What the FinTech? podcast, we're joined by Ravneet Shah, CTO of UK-based SME banking challenger Allica Bank, to explore the current business banking landscape and how Allica has looked to approach its technology and innovation strategy to meet the evolving needs of business customers. Ravneet and FinTech Futures editor Paul Hindle dive into the work Allica has been doing to develop its tech stack and its collaborations with fintech partners as it looks to further expand its products and services and continue its growth trajectory, after the challenger secured its first full year of profitability over 2023. And finally, we find out what fintech buzzword Ravneet wants to throw into our Fintech Jail!

Consumer adoption of buy now, pay later (BNPL) products is growing – but BNPL data is not included in credit reports… yet. With this shift finally on the horizon, what should lenders and consumers be thinking about and how can they prepare? In the latest episode of the What the FinTech? podcast, FinTech Futures editor Paul Hindle sits down with Liz Pagel, SVP and Consumer Lending Business Leader at TransUnion, to explore the growing popularity of BNPL products and their future impact on credit reporting. Liz shares insights on the potential benefits of BNPL for new-to-credit consumers, its growth in the market, and the role it could play in financial inclusion. The discussion also covers the upcoming integration of BNPL data into credit reports, its potential effects on credit scores, and how lenders can continue to adapt to this significant shift in the credit landscape. And finally, we find out what fintech buzzword Liz wants to free from our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we're joined by author and financial services executive Rita Martins to explore the growing role of Web3 technologies in the financial sector. Rita and FinTech Futures editor Paul Hindle discuss the key takeaways from Rita's recently published book on the subject, Web3 in Financial Services: How Blockchain, Digital Assets and Crypto are Disrupting Traditional Finance, including the key real-world use cases for Web3 tech in the space and how financial services players have been looking to deploy the technology, the current state of play with trending focus areas such as tokenisation, CBDCs and crypto, and some of the hurdles that exist when it comes to the wider adoption of emerging Web3 technologies globally. And finally, we find out what fintech buzzword Rita wants to throw into our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we're joined by Anu Somani, Head of Global Payables and Embedded Payments at US Bank, to explore the growing adoption of real-time payments (RTP) in the US following the one-year anniversary of the launch of FedNow, the instant payment service developed by the Federal Reserve. Anu and FinTech Futures editor Paul Hindle discuss the role both FedNow and the Clearing House's RTP Network have played in driving this growth, the key use cases for RTP that have been helping to boost adoption among banks and businesses, and what's next for RTP and the US payments space as a whole as technology and user demands continue to evolve at a rapid pace. And finally, we find out what fintech buzzword Anu wants to free from our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we're joined by Janine Hirt, CEO of UK-based independent industry body Innovate Finance, to discuss global fintech funding trends over 2024 and what the future might hold for the UK's fintech scene. Janine and FinTech Futures editor Paul Hindle discuss some of the key takeaways from Innovate Finance's H1 2024 FinTech Investment Landscape report, including which areas are seeing the most funding activity amid a global “economic slowdown” and whether sentiment in the space is looking positive moving forward. We also discuss what the new Labour government in the UK can do to help fintech flourish, taking a closer look at Innovate Finance's recently published Fintech Plan for Government, which lists a number of proposals that it says could add £328 billion to the UK economy. And finally, we find out what fintech buzzwords Janine wants to free from our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we're joined by Sam Edge, Head of Industries and Emerging Technologies, Start-ups and VC at Amazon Web Services (AWS), to explore the current fintech start-up scene. Sam and FinTech Futures editor Paul Hindle discuss some of the emerging technologies that start-ups and investors are most interested in, how the start-up landscape has evolved amid a wider slowdown in fintech investment globally, key advice for fintech founders looking to get started in the current economy and grow their business, and whether positive sentiment is returning in the VC investment space. We also hear more about how AWS has been working with fintech start-ups to support them in their early stages, some of the company's key fintech focus areas, and how the company has approached its fintech and financial services strategy in general. And finally, we find out what fintech buzzword Sam wants to throw into our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we're joined by George Maddaloni, CTO of Operations at payments giant Mastercard, to discuss some of the key technology trends in the payments space and how Mastercard is looking to approach its tech and innovation strategy to make the most of emerging technologies such as generative AI and tokenisation. George and FinTech Futures editor Paul Hindle also chat about the challenges of keeping one step ahead of fraudsters amid the emergence of new technologies and attack methods and how to keep customers safe from scams and fraud, as well as how consumers' payment preferences have changed in recent years with the arrival of new digital payment methods. And finally, we find out what fintech buzzword George wants to free from our Fintech Jail!

In the latest episode of the What the Fintech? podcast, we're joined by Sudip Dasgupta, Chief Technology Officer at UK digital bank Monument, to discuss the upcoming Banking Tech Awards ceremony, taking place on Wednesday 4 December at the Royal Lancaster Hotel in London. Returning awards judge Sudip and FinTech Futures editor Paul Hindle discuss what to look forward to at the prestigious event, which this year is celebrating its 25th anniversary. The pair also chat about Monument's tech strategy amid a rapidly changing technological landscape in the financial services arena, as well as the recent launch of Monument Technology, the bank's new Banking-as-a-Service (BaaS) division. The Banking Tech Awards is one of the most prestigious awards ceremonies in the industry and has been at the forefront of celebrating the marriage of banking and technology, recognising excellence and innovation in the use of IT in financial services worldwide and the people who make it happen. Nominations are currently open for this year's awards, so if you'd like to showcase and acknowledge your pioneering projects, technologies, and leadership initiatives that are shaping the future of finance, this is your chance to do so. Click here to submit your nominations > https://informaconnect.com/banking-tech-awards/ We have 50 categories to choose from, including Banking Tech Project awards, Excellence in Tech awards, and Leadership awards. You can view the full list of categories here. Nominations close on 9 August. If you're interested in any sponsorship opportunities, contact Sam Hutton at sam.hutton@fintechfutures.com to learn more. For more information about the upcoming PayTech Awards USA and to submit your nominations, click here > https://informaconnect.com/paytech-awards-usa/ To find out more about the winners of this year's Banking Tech Awards USA ceremony, click here >https://informaconnect.com/banking-tech-awards-usa/

In the latest episode of the What the FinTech? podcast, we're joined by Zac Maufe, Head of Regulated Industries at Google Cloud, to discuss cloud core modernisation and the challenges of migrating tech stacks to the cloud, as well as the impact generative AI is having in the financial services sector. Zac and FinTech Futures editor Paul Hindle cover the key points banks need to consider when modernising tech stacks and migrating to the cloud, along with the best strategies to carry out a core transformation programme to limit the risks involved. The pair also discuss the big use cases for generative AI in financial services and what the future might hold for the technology amid the evolving regulatory landscape and the emergence of new capabilities. And finally, we find out what fintech buzzword Zac wants to free from our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we're joined by Bivu Das, UK Managing Director at cryptocurrency exchange Kraken, to discuss how the crypto landscape has evolved in the UK in the two years since the government laid out its vision for the country to become a global crypto asset technology hub. Bivu and FinTech Futures editor Paul Hindle take a look at the progress the country has made so far and what more can be done to achieve this goal, the state of play of UK crypto regulation and how the country compares to other nations, the key use cases or focus areas for crypto and Web3 technology, and the potential role crypto can play in the UK's financial system moving forward. And finally, we find out what fintech buzzword Bivu wants to throw into our Fintech Jail! Disclaimer: The information provided in this podcast is for editorial and journalistic purposes only and does not constitute financial advice, and should not be treated as such. Cryptocurrency is a volatile and high-risk asset and FinTech Futures does not recommend investments of any kind.

In the latest episode of the What the FinTech? podcast, we're joined by Sonali Divilek, Head of Digital at Chase, to find out more about how consumer attitudes towards digital banking in the US have changed in recent years. Sonali and FinTech Futures editor Paul Hindle take a look at some of the key consumer trends highlighted in Chase's recent Digital Banking Attitudes Study and the factors behind these, as well as how banks can respond to shifting consumer demands and tap new technologies to boost areas such as personalisation to ensure their digital channels are meeting customers' wants and needs. We hear more about the work Chase has been doing in this area, as well as how the bank is looking to strike a balance between digital and physical banking with its branch strategy. And finally, we find out what fintech buzzword Sonali wants to free from our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we're joined by Gilbert Verdian, CEO of Quant, to learn more about blockchain technology and its evolving role in the financial services space. Gilbert and FinTech Futures editor Paul Hindle take a look at some of the big emerging trends including tokenisation and its use cases within banking and capital markets, the rise and future of central bank digital currencies (CBDCs), and the potential benefits of programmable payments for consumers amid the rise in digital wallet usage and digital transactions. And finally, we find out what fintech buzzword Gilbert wants to cast away in our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we're joined by Pinar Alpay, Chief Product and Marketing Officer at identity solutions provider Signicat, to learn more about digital identity and its relationship with financial services, as well as the work that companies such as Signicat are doing in the space. Pinar and FinTech Futures editor Paul Hindle discuss the evolution of digital identity over the last few years, how banks and other financial services firms are looking to adopt the technology, the digital identity landscape across Europe in light of the EU's digital identity wallet pilots, the importance of instilling trust among users, and of course the challenges around fraud given the increasing use of AI and deepfakes and what companies can do to combat this. And finally, we find out what fintech buzzword Pinar wants to cast into - and break out of - our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we're joined by Dr Philip Intallura, Head of Quantum Technologies at HSBC, to learn more about quantum computing and the impact the growth and maturation of the technology could have on financial services. Phil and FinTech Futures editor Paul Hindle demystify how the technology works, dive into its key use cases and benefits in areas such as cybersecurity, and discuss what the wider industry needs to do to prepare for a quantum-enabled future. We also hear more about how HSBC has been experimenting with quantum computing and how it's looking to utilise the technology in its operations. And finally, we find out what fintech buzzword Phil wants to cast into our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we're joined by Jack Pouderoyen, Innovation Manager at Swift, to chat about tokenisation and its potential use cases in financial services, as well as the importance of blockchain interoperability in removing hurdles to its adoption moving forward. Jack and FinTech Futures editor Paul Hindle discuss the proof of concept Swift conducted with Chainlink and a dozen other financial institutions and market infrastructures on blockchain interoperability, which involved leveraging the Swift network to transfer tokenised assets across public and private blockchains, as well as the key takeaways Swift has learned from its experiments and what's next in the pipeline. And finally, we find out what fintech buzzword Jack wants to cast into our Fintech Jail!

In the first episode of season five of the What the Fintech? podcast, we're joined by Hangwi Muambadzi, Principal and Head of Africa at CommerzVentures, to discuss the flourishing fintech scene in Africa, including the key trends and development areas being seen in different markets across the continent. Hangwi and FinTech Futures editor Paul Hindle discuss the technologies and verticals that are seeing the most investment activity, some key advice for founders when it comes to scaling a new start-up in Africa, the parallels between the European and African fintech ecosystems, and the areas of growth to keep an eye on looking forward. And finally, we find out what fintech buzzword Hangwi wants to lock away in our Fintech Jail!

Technology is ever advancing, and it's critical for community bankers to stay ahead of it. According to Dharmesh Mistry of FinTech Futures, a media platform dedicated to global banking and the fintech industry, three of those trends are generative AI, faster payments and the cloud.   “2024 can continue to be a transformative year for community banks. Cloud is a way to pursue that to drive down some of the costs, create some more efficiencies,” Mistry says. “It's not just about pure expense reduction and revenue growth but creating more efficient operations, and I think that's a very interesting and important trend that we should definitely all pay attention to in 2024.”   Mistry joins Charles Potts to look at the fintech trends of 2023 and what community banks need to pay attention to as we enter 2024.   This episode is sponsored by FIS.   The November issue of Independent Banker provides insight on the strides made in AI and other need-to-know technology.

In the final episode of season four of the What the FinTech? podcast, FinTech Futures editor Paul Hindle is joined by writer, podcaster and banking technology veteran Dharmesh Mistry to take a look back at some of the biggest trends to come out of 2023 and discuss what the new year might bring for the sector. The pair cover topics including generative AI, core banking modernisation, the state of the global economy and its impact on the banking sector, fintech funding trends, cryptocurrency and much more. And finally, in the spirit of the holidays, Paul and Dharmesh decide to each release an incarcerated buzzword from our Fintech Jail (and cast another one away for good measure)! The What the FinTech? podcast will return for season five in the new year. Stay tuned! Thanks as always to Orama for editing this podcast. You can find out more about Orama and the services they offer here. https://orama.tv/ Take a look at our catalogue of episodes on the What the FinTech? homepage. https://www.fintechfutures.com/content-hub/what-the-fintech-podcast/

In the latest episode of the What the FinTech? podcast, we're joined by Olivier Berthier, CEO of fintech firm Moneythor, to chat about personalisation in digital banking with a focus on its role in customer acquisition and activation. Olivier and FinTech Futures editor Paul Hindle discuss some of the key challenges banks are facing when it comes to customer acquisition and what it is they can be doing differently, how customer expectations of their banking experience have changed in recent years, and the growing importance of personalised banking services and the work Moneythor is doing in the field. And finally, we find out what fintech buzzword Olivier wants to lock away in our Fintech Jail! Thanks as always to Orama for editing this podcast. You can find out more about Orama and the services they offer here. https://orama.tv/ Take a look at our catalogue of episodes on the What the FinTech? homepage. https://www.fintechfutures.com/content-hub/what-the-fintech-podcast/ This episode is brought to you by Moneythor. https://www.moneythor.com/

In the latest episode of the What the FinTech? podcast, we're joined by Monica Eaton, founder and CEO of Chargebacks911, to learn more about chargebacks and how consumer behaviour has evolved in recent years with Black Friday and the holiday season shopping surge on the horizon. Monica and FinTech Futures editor Paul Hindle discuss how chargebacks can impact businesses, the rise of chargeback fraud and how it can be combatted, and the work companies such as Chargebacks911 are doing in the field to ease chargeback management for businesses. And finally, we find out what fintech buzzword Monica wants to lock away in our Fintech Jail! What the FinTech? | S.4 Episode 21 | Managing chargebacks and payment disputes Thanks as always to Orama for editing this podcast. You can find out more about Orama and the services they offer here. https://orama.tv/ Take a look at our catalogue of episodes on the What the FinTech? homepage. https://www.fintechfutures.com/content-hub/what-the-fintech-podcast/ This episode is brought to you by Chargebacks911. https://chargebacks911.com/

In the latest episode of the What the FinTech? podcast, we're joined by Betsy and Daniel Cohen, SPAC specialists and co-founders of US investment company Cohen Circle, to discuss the future of SPAC mergers for companies looking to go public after the method fell out of favour in recent years following a boom in activity over 2020/21. Betsy, Daniel and FinTech Futures editor Paul Hindle delve into the current sentiment in the industry around SPAC mergers and whether we may see a new wave of popularity as economic conditions improve. We also take a look at the venture capital scene and the notable fintech investment trends to come from this year, as well as how Cohen Circle has looked to approach its investment strategy at a time when global funding activity has slowed down. And finally, we find out what fintech buzzword Betsy and Daniel want to lock away in our Fintech Jail! Thanks as always to Orama for editing this podcast. You can find out more about Orama and the services they offer here. https://orama.tv/ Take a look at our catalogue of episodes on the What the FinTech? homepage. https://www.fintechfutures.com/content-hub/what-the-fintech-podcast/

In this special episode of the What the FinTech? podcast recorded live at Money20/20 USA in Las Vegas, FinTech Futures' US correspondent Heather Sugg is joined by Scot Lenoir, Chairman of Evolve Bank & Trust, to discuss how financial institutions, fintechs, and regulators alike are adapting to regulatory modernisation and how the company is working with regulators to create safe and reliable products customers can use confidently. Now more than ever, it is becoming clear the importance of starting with a strong foundation and meeting regulatory requirements from the start. Embracing market change can help to ensure the long-term success of a company and allow for the continuation of financial services provided to vast communities. Thanks as always to Orama for editing this podcast. You can find out more about Orama and the services they offer here. https://orama.tv/ Take a look at our catalogue of episodes on the What the FinTech? homepage. https://www.fintechfutures.com/content-hub/what-the-fintech-podcast/ This episode is brought to you by Evolve Bank & Trust. https://www.getevolved.com/

In the latest episode of the What the FinTech? podcast, we're joined by Teresa Cameron, Finance Director at payments solutions provider Clear Junction, to discuss the need for evolution in cross-border payments to boost efficiency and speed up processing. Teresa and FinTech Futures editor Paul Hindle delve into how innovations in blockchain, payments tokenisation and crypto could streamline and forge a path forward for cross-border transactions, the geographical challenges that come into play and the shifting regulatory environment around digital assets, and the work Clear Junction is doing in the payments space. And finally, we find out what fintech buzzword Teresa wants to lock away in our Fintech Jail! Thanks as always to Orama for editing this podcast. You can find out more about Orama and the services they offer here. https://orama.tv/ Take a look at our catalogue of episodes on the What the FinTech? homepage. https://www.fintechfutures.com/content-hub/what-the-fintech-podcast/ This episode is brought to you by Clear Junction. https://clearjunction.com/

In the latest episode of the What the FinTech? podcast, we're joined by Arthur Ribakovs, Director of Financial Partnerships at payment service provider Ecommpay, to discuss how business' expectations of open banking have shifted in recent times and the role fintechs are playing in the evolution of the space. Arthur and FinTech Futures editor Paul Hindle discuss the current state of play of open banking in the UK, the key advancements businesses want to see from open banking to meet new customer demands, and the need for greater collaboration in the sector to ensure the UK remains at the forefront of open banking innovation. And finally, we find out what fintech buzzword Arthur wants to lock away in our Fintech Jail! hanks as always to Orama for editing this podcast. You can find out more about Orama and the services they offer here. https://orama.tv/ Take a look at our catalogue of episodes on the What the FinTech? homepage. https://www.fintechfutures.com/content-hub/what-the-fintech-podcast/ This episode is brought to you by Ecommpay. https://ecommpay.com/

In the latest episode of the What the FinTech? podcast, we're joined by Andrea De Gottardo, CEO of UK digital bank Kroo, to chat about how banks in the UK have been responding to rising interest rates and what they should be doing more of to meet customer needs as the cost-of-living crisis rages on. Andrea and FinTech Futures editor Paul Hindle also discuss whether more transparency is needed in the space to help customers choose the right bank for them and the challenges of scaling a new digital bank amid tough macroeconomic conditions. And finally, we find out what fintech buzzword Andrea wants to lock away in our Fintech Jail! Thanks as always to Orama for editing this podcast. You can find out more about Orama and the services they offer here. https://orama.tv/ Take a look at our catalogue of episodes on the What the FinTech? homepage. https://www.fintechfutures.com/content-hub/what-the-fintech-podcast/

The Supply Chain Buzz is Supply Chain Now's regular Monday livestream, held at 12n ET each week. This show focuses on some of the leading stories from global supply chain and global business, always with special guests – the most important of which is the live audience!This week's edition of The Buzz was a Digital Transformers edition. It featured hosts Scott Luton and Kevin L. Jackson as well as special guest Theodora Lau, Founder of Unconventional Ventures. Her monthly column on FinTech Futures explores the intersection of financial services, tech, and humanity, and she has been featured on BBC News, Finovate, American Banker, and Journal of Digital Banking.In this livestream, created in collaboration with a live Supply Chain Now audience, Scott, Kevin, and Theodora discussed:• Their personal experiences and memories from September 11th 2001 as well as the lasting impact that day has had on the country and their lives• How AI is being put to work in the supply chain to assist with demand forecasting and inspecting for quality issues• The risk that a mismatch between a technology initiatives and the business goals it aims to achieve presents to digital transformation efforts• The top three trends that Theodora sees shaping the industry todayAdditional Links & Resources:Learn more about Supply Chain Now: https://supplychainnow.comCheck out our new Supply Chain Now Media Kit: https://bit.ly/3emdLcKSubscribe to Supply Chain Now and all other Supply Chain Now programs: https://supplychainnow.com/subscribeJoin the NOW Community: http://bit.ly/41kpUSO2023 Q2 U.S. Bank Freight Payment Index: https://bit.ly/3VuwnIkWEBINAR- Unlocking the Power of Diversification in Last Mile Delivery: A Game-Changing Webinar for Logistics Professionals: https://bit.ly/445N2F2WEBINAR- 3 Proven Strategies to Level-Up Your Business with Walmart: https://bit.ly/3DUpVT5WEBINAR- A Match Made in Heaven - Your ERP and Inventory Planning Software: https://bit.ly/3sP3TyLWEBINAR- Five Steps to Getting Proactive with Digitization and Supply Chain Data: https://bit.ly/3LejfTQThis episode is hosted by Scott Luton and Kevin L. Jackson. For additional information, please visit our dedicated show page at: https://supplychainnow.com/supply-chain-buzz-digital-transformers-1170

The Supply Chain Buzz is Supply Chain Now's regular Monday livestream, held at 12n ET each week. This show focuses on some of the leading stories from global supply chain and global business, always with special guests – the most important of which is the live audience!This week's edition of The Buzz was a Digital Transformers edition. It featured hosts Scott Luton and Kevin L. Jackson as well as special guest Theodora Lau, Founder of Unconventional Ventures. Her monthly column on FinTech Futures explores the intersection of financial services, tech, and humanity, and she has been featured on BBC News, Finovate, American Banker, and Journal of Digital Banking.In this livestream, created in collaboration with a live Supply Chain Now audience, Scott, Kevin, and Theodora discussed:• Their personal experiences and memories from September 11th 2001 as well as the lasting impact that day has had on the country and their lives• How AI is being put to work in the supply chain to assist with demand forecasting and inspecting for quality issues• The risk that a mismatch between a technology initiatives and the business goals it aims to achieve presents to digital transformation efforts• The top three trends that Theodora sees shaping the industry todayAdditional Links & Resources:Learn more about Supply Chain Now: https://supplychainnow.comCheck out our new Supply Chain Now Media Kit: https://bit.ly/3emdLcKSubscribe to Supply Chain Now and all other Supply Chain Now programs: https://supplychainnow.com/subscribeJoin the NOW Community: http://bit.ly/41kpUSO2023 Q2 U.S. Bank Freight Payment Index: https://bit.ly/3VuwnIkWEBINAR- Unlocking the Power of Diversification in Last Mile Delivery: A Game-Changing Webinar for Logistics Professionals: https://bit.ly/445N2F2WEBINAR- 3 Proven Strategies to Level-Up Your Business with Walmart: https://bit.ly/3DUpVT5WEBINAR- A Match Made in Heaven - Your ERP and Inventory Planning Software: https://bit.ly/3sP3TyLWEBINAR- Five Steps to Getting Proactive with Digitization and Supply Chain Data: https://bit.ly/3LejfTQThis episode is hosted by Scott Luton and Kevin L. Jackson. For additional information, please visit our dedicated show page at: https://supplychainnow.com/supply-chain-buzz-digital-transformers-1170

In the latest episode of the What the FinTech? podcast, we're joined by Nicola Anderson, CEO of FinTech Scotland, to chat about the country's burgeoning fintech scene. Nicola and FinTech Futures editor Paul Hindle discuss some of the key fintech trends in the country and which areas are seeing the most traction, as well as how FinTech Scotland is pushing to make the country one of the top five fintech hubs in the world and its plans for achieving that goal. And finally, we find out what fintech buzzword Nicola wants to lock away in our Fintech Jail!

Episode Description:In this episode, we delve into a conversation with Dr. Leda Glyptis, an accomplished fintech leader and former banker. With over two decades of experience driving transformation and technology across diverse financial sectors, Leda explores the inherent ties between banking, fintech, and the current technological surge. Discover how these domains can seamlessly integrate into the tech revolution by aligning with the established systems of traditional banks and corporations. Tune in to gain insights from this seasoned fintech veteran, as she guides us through the pivotal juncture where digital innovation and banking converge.Join us for a compelling discussion on the evolving landscape of finance in the digital age.3 Takeaways:The lagging adaptation of digital tech in banking and FintechDoing the right thing over doing the thing right and embracing failureLearning from a company's legacy and the technical debt Key Quotes: “You need to make sure that you fail fast and fix it, but you also need to make sure that you fail small and fix it.”“So increasingly who gets it for me, the people who start talking about their end customer, their data strategy, and their overall cost to serve ahead of showing me wireframes of their UX. They're the people who get it.”“Leave aside the business model and how certain players in that space make money. What happens to all the systems that need to know what happened in real time for liquidity management? For everything that happens downstream, and we've been talking about, um, real time clearing and settlement for years.We know it's coming.”“There is no such thing as an organization that doesn't have technical debt. There just isn't. There will be corners that are cut because Bobby has a date and has to ship and go out and freshen up to meet his date.There's corners that will be cut 'cause money's short, or there's a deadline looming, or because you didn't think of something. And there will always, always, always, either because you didn't think something was important or because something else was more important, or 'cause you had a blind spot. So there is no such thing as no legacy and there is no such thing as no technical debt.”Leda Glyptis:  Leda is a seasoned fintech executive and former banker, with a career spanning two decades working int transformation and technology functions across a variety of financial services verticals.Leda works as an advisor to boards and executive teams for companies of all sizes, from young startups to globally significant financial institutions, supporting leadership teams in transition: be it a process of transforming themselves, their business or their software infrastructure. Leda served as the Chief Client Officer of 10x Banking and the founding CEO of 11:FS Foundry (both in the cloud-native core banking space); she was the Chief Innovation Officer of Qatar National Bank and held a variety of innovation and transformation roles at BNY Mellon.Leda sits on the board of Flagstone IM. Over the years, she has held a number of NED positions in fintech firms in Europe and the UK including chairing the Board of Geophy (now a Walker and Dunlop company) through its successful exit. Leda is a frequent keynote speaker at flagship industry events globally including Sibos, M20/20, Finovate as well as specialist regional events; she is the author of the highly acclaimed #LedaWrites column on Fintech Futures and the book ‘Bankers Like Us: Dispatches from an Industry in Transition' published by Taylor and Francis in 2023. Leda completed her undergraduate studies at King's College Cambridge and holds an MSc and PhD from the London School of Economics and Political Science.For more information:You can connect with Leda on her LinkedInFollow her on Twitter  @LedaGlyptisOrder her book “Bankers Like Us” HEREAbout the HostsMatthew O'Neill is a husband, dad, geek and Industry Managing Director, Advanced Technology Group in the Office of the CTO at VMware.You can find Matthew on LinkedIn and Twitter.Brian Hayes is an audiophile, dad, builder of sheds, maker of mirth, world traveler and EMEA Financial Services Industry Lead at VMware.You can find Brian on LinkedIn.

In the latest episode of the What the FinTech? podcast, we're joined by Helene Panzarino, Director of the Centre of Digital Banking and Finance at the London Institute of Banking and Finance (LIBF), to chat about the growing issue of financial vulnerability in the UK. Helene and FinTech Futures editor Paul Hindle discuss the characteristics of financial vulnerability and the factors driving it, what financial institutions need to change to ensure they understand the needs of vulnerable consumers and what they should be doing more of to protect them, and the impact the FCA's recent Consumer Duty regulation might have in the push for more consumer protection in financial services. And finally, we find out what fintech buzzword Helene wants to lock away in our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we're joined by Casey Denby, VP of Sales at US tech firm Zenarate, to chat about AI simulation training and how the technology can be used by banks and financial institutions to train call centre staff to deal with a multitude of scenarios. Casey and FinTech Futures editor Paul Hindle also discuss the impact the AI boom is having on job creation, the core use cases for the technology specifically within banking and fintech and what the future might hold for AI, as well as the work Zenarate has been doing in the field. And finally, we find out what fintech buzzword Casey wants to lock away in our Fintech Jail! Thanks as always to Orama for editing this podcast. You can find out more about Orama and the services they offer here. https://orama.tv/ Take a look at our catalogue of episodes on the What the FinTech? homepage. This episode is brought to you by Zenarate. https://www.zenarate.com/

Today Jason Henrichs speaks with Fintech Futures about their first ever Banking Tech Awards USA, to celebrate the outstanding achievements and successes of the US' best and brightest in the financial technology sector. He goes in depth with independent judges, Mary Wisniewski from Bankrate and Lisa Moyle, VC Innovations UK about what they noted as they judged the various categories. It will come as no surprise that the list of categories has grown, and with that overall entries. It isn't just startups that are leading innovations, there are lots of established banks, community banks, and new banks coming in hot! It's an engaging episode with so many delivering at pace, and with greater personalization and understanding of the needs of consumers. Innovation is indeed evolving! https://youtu.be/8xqr8a9TzfU

If you want to know what are “The Hard Things about Corporate Innovation'' and how to overcome them, then you have to listen to this episode as I speak to the tech geek, innovator, and writer, Leda Glyptis about just that.Leda is a recovering banker, a writer for Fintech Futures, an all-weather optimist, and the Chief Client Officer at 10x Future Technologies. Prior to joining 10x, she led several innovation teams within a corporate setup and also worked in the fintech world; the latest of which was as the founding CEO at 11:FS. In this episode, we speak about,What distinguishes start-ups from corporate innovation?Balancing the need to innovate vs. the need to sustain the existing business?The secret sauce to moving faster from ideation to execution.Why shouldn't we equate innovation with failure? Why it's more compelling to ask Why instead of Why Not when working on a new project?Overcoming the Middle Management Swamp. Links to Leda's articles discussed in this episode:Unfinishedness by DegreesFriends in Low Places

In this episode, I speak to Tanya Andreassyan the MD and Editor-in-chief of Fintech Futures a global publication about financial technology. We will discuss why Digital ID verification could be the next big thing and what are the emerging trends in the industry as we are transitioning away from the crisis.