Podcasts about HSBC

How do the world's most forward-thinking organisations use skills intelligence, market intelligence and work intelligence together to stay ahead? In this episode of the Digital HR Leaders podcast, host David Green is joined by Mik Wornoo, co-founder and President of US at TechWolf, to explore how organisations are using three signals together to build a strategic workforce planning strategy that can keep pace with AI, and what that looks like in practice. In this conversation, David and Mik discuss: What skills intelligence, work intelligence and market intelligence each bring to strategic workforce planning, and why all three matter What work intelligence actually means in practice, and how decomposing work into tasks is changing how organisations understand the impact of AI on their workforce How AI is actively reshaping roles right now, and what that means for strategic workforce planning, job architecture and redeployment Real-world case studies from organisations using all three signals to make smarter workforce decisions and align their people strategy with their AI strategy What it actually looks like to get started, and why the barrier to entry is lower than most HR leaders think This episode is sponsored by TechWolf. The world of work is being rewritten faster than HR systems can keep up. Skills age in months. Roles get redesigned quarter by quarter. CHROs have quietly become AI transformation leads, and the data they need to lead it doesn't exist in any HR system. That's why the world's most forward-looking enterprises such as HSBC, AMD, T-Mobile, GSK, ServiceNow, Pfizer, have built on TechWolf. As the data layer for the AI era of work, TechWolf gives enterprises the skills, they need to move faster and lead with confidence. Skills Intelligence, Work Intelligence, and Market Intelligence, in one layer. Visit techwolf.ai. Resources: TechWolf podcast Hosted on Acast. See acast.com/privacy for more information.

Is the UAE becoming the world's safest investment destination? In today's Smashi Business Show, Abdul Majid Awan breaks down Abu Dhabi's massive $1.7 billion Sphere project, why Dubai's real estate market could be heading for a major consolidation, and why billionaire investor Naguib Sawiris says he is "doubling down" on the UAE despite growing global uncertainty. Plus, we examine the shocking HSBC corruption case linked to Lebanon's central bank and what it means for international banking. From tourism and property to geopolitics and finance, these are the stories shaping the future of business across the Middle East and beyond. Newsletter: https://lnkd.in/dAkTDhJ6WhatsApp: aug.us/40FdYLUInstagram: aug.us/4ihltzQTiktok: aug.us/4lnV0D8Smashi Business Show (Mon-Friday): aug.us/3BTU2MY

What does it take to turn a 300-year-old bank into the UK's biggest fintech? Sharon Doherty is Chief People and Places Officer at Lloyds Banking Group, and over the last four years she's been leading one of the most ambitious organisational transformations in British financial services - 300-year-old institution reinventing itself as the UK's biggest fintech.In this episode, David and Sharon get into what transformation at that scale actually looks like from the inside - the governance, the culture work, the AI strategy, and the tough calls that only leadership can make. How Sharon thinks about her role as CPPO through three lenses: storyteller, tough lover, and disruptorThe AI governance structure at Lloyds, including the control tower she runs with the CTO and the ethics committee underpinning every decisionThe cross-functional super agent Lloyds is building with MicrosoftWhy HR leaders should be fighting to get Places on their remit, and how ownership of the physical environment transforms what the function can deliverHow Lloyds is approaching the shift from AI literacy to AI fluency across 80,000 peopleWhat Sharon thinks the world of work looks like in 2033, and the role HR must play in getting there This episode is sponsored by TechWolf. The world of work is being rewritten faster than HR systems can keep up. Skills age in months. Roles get redesigned quarter by quarter. CHROs have quietly become AI transformation leads, and the data they need to lead it doesn't exist in any HR system. That's why the world's most forward-looking enterprises such as HSBC, AMD, T-Mobile, GSK, ServiceNow, Pfizer, have built on TechWolf. As the data layer for the AI era of work, TechWolf gives enterprises the skills, they need to move faster and lead with confidence. Skills Intelligence, Work Intelligence, and Market Intelligence, in one layer. Visit techwolf.ai. Hosted on Acast. See acast.com/privacy for more information.

While the last few years of Katie Price's life have not been uneventful, the last weeks of her life have been extraordinary even by Katie Price standards. In January, she married a Guy in Dubai (Lee Andrews) after three days in his company. The Guy in Dubai was immediately the subject of intense media scrutiny, and what was revealed was jarring. So jarring, perhaps, that Lee Andrews opted to step away from his life for a bit and faked his own kidnapping to do it. Editor's Note: This episode was recorded on Friday, May 22. On May 27, Lee Andrews contacted Katie Price from Dubai's central prison, where he is being held reportedly on "a private civil matter." And, thanks to HSBC's fraud department, Clemmie got her money back. Sponsors Today's episode is sponsored by Smalls. Get 60% off your first order, plus free shipping and free treats for life, when you head to smalls.com/trashy! Want early, ad-free episodes, regular Dumpster Dives, bonus divorces, limited series, Zoom hangouts, and more? Join us at patreon.com/trashydivorces! Want a personalized message for someone in your life? Check us out on Cameo! To advertise on our podcast, please reach out to info@amplitudemediapartners.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Danny started with a pressure washer in the back of his SUV, knocking on doors and figuring it out the hard way. After joining HSBC, he scaled from $72K to over $220K in just over a year, but the bigger shift was going from solo operator to building a real business through people, creating opportunities for his team, and starting to see his company as an asset.See where your business stands —Take the free Growth ScorecardListen to the full audiobook free — Get Off The TruckFollow HSBC Social's:Facebook | Instagram | YouTube | HSBC Accelerator | Jobber | Home Service Business Coach Email: info@homeservicebusinesscoach.com

It's the sort of theoretical question you might discuss at the pub with your mates. If you won the lottery and had the choice, would you pick a £1million lump sum, or take £1,000 a week for life? Pollster YouGov posed the question to 7,000 Britons recently, and it is fair to say opinions are divided. According to two money experts, there is a right answer - so which is the best strategy, and why is likely to make you much richer? Georgie Frost, Lee Boyce and Helen Crane discuss. Easy access savings rates have barely budged in recent weeks, but fixed-rate deals are becoming much more attractive. We look at some of the best - and Helen explains why a number of HSBC customers are feeling disgruntled after Isa transfers to the bank were hit with a raft of delays. The team also looks at Volvo's chaotic EV recall, and what drivers who have been told their car is a potential fire risk can do. It has been confirmed that the energy price cap will rise by 13 per cent in July, with costs for the average household climbing by £221. So is it worth thinking about fixing your tariff? And in this week's heatwave, we discuss data which reveals exactly how expensive it is to keep cool. Are new-fangled air cooler devices worth it, and is air conditioning as pricey as many assume?Follow us on Instagram @dmgnewmedia.Follow us on TikTok @dmgnewmediaFollow us on X @dmgnewmedia. Email us hello@dmgmedia.co.uk. Text us 020 7938 6000.Hosts: Georgie Frost, Simon Lambert, Lee Boyce, Helen Crane. Producer: Georgie Frost. Hosted on Acast. See acast.com/privacy for more information.Follow us on Instagram @dmgnewmedia.Follow us on TikTok @dmgnewmediaFollow us on X @dmgnewmediaEmail us hello@dmgmedia.co.ukText us 020 7938 6000.Hosts: Georgie Frost, Simon Lambert, Lee Boyce, Helen CraneProducer: Georgie Frost Hosted on Acast. See acast.com/privacy for more information.

In this episode of One Vision, Theodora Lau sits down with Hay Yip, Chief Strategy Officer and Chief of Staff at FundPark in Hong Kong, for a conversation that spans heritage, working capital, and what it really takes for SMEs to scale in an uncertain world.Hay shares his journey from a commercial banking career at HSBC — spanning both London and Hong Kong — to the electric pace of a fintech startup, and why he now goes to bed "with one eye open." Born in Hong Kong and grew up in the UK, his story comes full circle as he returns home to help the small businesses he's always been drawn to.At the heart of the conversation is the often-overlooked engine of commerce: working capital. Hay makes the case that cash flow is the "bloodline" of any growing business, and explains how FundPark uses data and analytics to serve e-commerce merchants who are not just underserved by traditional banks, but in many cases entirely unserved. Theo and Hay explore the founders' origin story, why entrepreneurs deserve more credit for their courage, and how global supply chain fragility shows up in the everyday lives of merchants and the customers who depend on them.Tune in for a candid look at the unglamorous but essential side of fintech, and FundPark's vision of "scale up as a service" — helping ordinary people behind real businesses thrive.

Simon Swords bootstrapped Fundipedia for nearly 20 years before selling to FE fundinfo in May 2025. He started in a garden shed with an Ethernet cable and a VoIP phone, ran three businesses at once for years, and eventually landed clients like HSBC, Barclays, and Legal & General. He negotiated the entire life-changing exit himself with his chairman and a ChatGPT subscription, without a corporate broker.In this episode, Simon and I go deep on what it actually costs to play the long game. We talk about the childhood that wired him to push through anything, why he says he would rather have died than given up, and why he cried the day the deal closed.We also get into why he sought therapy after the business was successful, not during the struggle. And why he thinks once you have the money, you're no longer allowed to be sad.This is a conversation about whether the exit actually sets you free, or whether the real work starts after. If you're playing the long game, this one's for you._______(02:00) Why bootstrapping for 20 years was the making of him(07:31) Cumulative childhood trauma and growing up in Dagenham(11:30) Anxiety as a superpower in business(12:59) "I would have rather died than given up"(15:38) Thinking he was having a heart attack on an onboarding call(18:30) His chairman buying him out for a million pounds(20:12) Waking up with the money and the anxiety still there(21:52) The dragon he was chasing for 30 years(23:30) Why most of his therapy came after success, not during(28:30) Running the exit himself with ChatGPT(32:31) What the cry on closing day was really about(34:56) Why once you have money, you're not allowed to be sad(38:30) The friends who anchor him to reality(42:23) The panic attack that made him stop(45:30) His 2026 plan to fill the space the business used to occupy(48:05) What he's most proud ofShow notes:Find show notes of each episode on ProfitLed.fm. Connect with our host:Follow Melissa on LinkedIn where she shares stories & lessons from her founder journey weekly.Connect with Melissa at melissakwan.com and subscribe to  'your founder next door', Melissa's weekly newsletter on what it's like to build a company without an abundance of resources and friends in high places.Follow @themelissakwan on Instagram and YouTube where she shares short videos of business advice and other truth-bomb sound bites.This podcast was brought to you by eWebinar:Find out how you can turn pre-recorded videos into interactive experiences with chat so you can run your demos, onboarding calls, and training sessions on autopilot, 24/7, without being there. Hop into a demo at eWebinar.com, no salesperson required.

Are your meetings actually working? Or has your calendar just become a system nobody knows how to switch off? In this episode, David Green is joined by Rebecca Hinds, Stanford-trained organisational researcher, Head of the Work AI Institute at Glean, and author of Your Best Meeting Ever: 7 Principles for Designing Meetings That Get Things Done. In this conversation, David and Rebecca discuss: Why organisations should treat meetings as a product, and what that actually means in practice The concept of meeting debt, and why calendars accumulate bloat in the same way codebases accumulate technical debt What a 48-hour calendar cleanse involves, and what typically happens when organisations rebuild their calendars from scratch The patterns that show up most consistently when mapping how work actually moves between teams How AI is being used to improve meetings, and the ways it can make dysfunctional meeting culture worse What the conversation looks like in the room when CHROs start rethinking collaboration for the AI era This episode is sponsored by TechWolf. The world of work is being rewritten faster than HR systems can keep up. Skills age in months. Roles get redesigned quarter by quarter. CHROs have quietly become AI transformation leads, and the data they need to lead it doesn't exist in any HR system. That's why the world's most forward-looking enterprises such as HSBC, AMD, T-Mobile, GSK, ServiceNow, Pfizer, have built on TechWolf. As the data layer for the AI era of work, TechWolf gives enterprises the skills, they need to move faster and lead with confidence. Skills Intelligence, Work Intelligence, and Market Intelligence, in one layer. Visit techwolf.ai. Resources: Your Best Meeting Ever: 7 Principles for Designing Meetings That Get Things Done Hosted on Acast. See acast.com/privacy for more information.

In this episode of One Vision, Theodora Lau sits down with Hay Yip, Chief Strategy Officer and Chief of Staff at FundPark in Hong Kong, for a conversation that spans heritage, working capital, and what it really takes for SMEs to scale in an uncertain world.Hay shares his journey from a commercial banking career at HSBC — spanning both London and Hong Kong — to the electric pace of a fintech startup, and why he now goes to bed "with one eye open." Born in Hong Kong and grew up in the UK, his story comes full circle as he returns home to help the small businesses he's always been drawn to.At the heart of the conversation is the often-overlooked engine of commerce: working capital. Hay makes the case that cash flow is the "bloodline" of any growing business, and explains how FundPark uses data and analytics to serve e-commerce merchants who are not just underserved by traditional banks, but in many cases entirely unserved. Theo and Hay explore the founders' origin story, why entrepreneurs deserve more credit for their courage, and how global supply chain fragility shows up in the everyday lives of merchants and the customers who depend on them.Tune in for a candid look at the unglamorous but essential side of fintech, and FundPark's vision of "scale up as a service" — helping ordinary people behind real businesses thrive.

The Information's Aaron Holmes breaks down exclusive reporting on Anthropic's early talks with Microsoft to deploy its custom Maya 200 AI inference chips as part of an infrastructure diversification strategy. We also talk with HSBC's Frank Lee about Nvidia's blockbusting quarterly earnings, data center revenue reclassification, and surging optical supply chain demand. Lastly, we get into SpaceX's historic S-1 IPO filing and Starlink margins with Gerber Kawasaki CEO Ross Gerber, and the White House's postponed AI clearance executive order with Politics Reporter Leo Schwartz.Articles discussed on this episode: https://www.theinformation.com/articles/spacex-reveals-40-billion-anthropic-deal-catchhttps://www.theinformation.com/articles/anthropic-talks-use-microsofts-ai-chipshttps://www.theinformation.com/briefings/white-house-delays-ai-executive-order-eventhttps://www.theinformation.com/newsletters/the-briefing/nvidias-blowout-spacexs-blue-sky-ambitionsSubscribe: YouTube: https://www.youtube.com/@theinformation The Information: https://www.theinformation.com/subscribe_hSign up for the AI Agenda newsletter: https://www.theinformation.com/features/ai-agendaTITV airs weekdays on YouTube, X and LinkedIn at 10AM PT / 1PM ET. Or check us out wherever you get your podcasts.Follow us:X: https://x.com/theinformationIG: https://www.instagram.com/theinformation/TikTok: https://www.tiktok.com/@titv.theinformationLinkedIn: https://www.linkedin.com/company/theinformation/Chapters:00:00 - Introduction01:13 - Anthropic Explores Microsoft Maya 200 Chip Deal08:44 - Nvidia Reclassifies Data Center Revenue After Blowout Q119:19 - Inside SpaceX's Historic S-1 IPO Filing33:20 - White House Postpones Frontier AI Review Order

In ep 174 of “How Do You Say That?!” sponsored by britishvoiceover.co.uk, Toby Ricketts joins Sam and Mark in a special as-live episode from the One Voice Conference 2026 in Stratford upon Avon. We talk about commmercial scripts that seem a bit abstract, and do a four handed script that plunges us into a sci-fi crisis! There's a studio/hotel bedroom audience of voice actors, and it's all on video too - so make sure you check our YouTube channel to see us in action - https://www.youtube.com/@howdoyousaythatThe wildcards are chosen by our audience - and there's real peril from ten thousand feet, a real-estate nightmare, and an unusual bird sighting!Our question this week comes from Ben Wake in the audience, asking about accents you wear like a glove.Get involved! Have you got a Wildcard suggestion that we should try or an idea for the show? Send it to us via Mark or Sam's social media or email it directly to podcast@britishvoiceover.co.ukScript 1Hey. The Earth moves. We respond.Macro to micro. Systems rebuild, forms transform.The world's being reshaped. Constantly.Make sustainability real.Fifty years. One mission:Turn imagination into reality.Where science meets craftsmanship—Endless R&D. Relentless breakthroughs.From chemical to physical. From supplier to partner.We don't follow. We lead trends.Physical foaming with jet-speed expansion. Efficient and integrated.Elevating material performance.More elastic and controllable.Stable and comfortable.Strong and recyclable.All-in-one machine.Redefining next-gen manufacturing.Modular, customizable, scalable.Our platform. Your creativity.Across industries and possibilities.We co-create solutions.This moment. React.We shape change.We drive transformation.WE LEAD NEXTWE ARE KINGSTEELScript 2NARRATOR INTRODUCTION:The year is 2367, and chaos reigns. The Earth - dying from climate collapse - is lost forever. Humanity has spread to the stars. Scout ships with minimal crews are sent into the cosmos to seek out viable worlds. The rest of humankind sleeps in cryogenic stasis aboard vast colony ships that will require decades, even centuries, to reach their new homes.This is the beginning of The Scattering. The Great Human Exodus.STRICKLAND [yelling]Stick's dead, I've lost all control, we're coming in way too hot. Kordek, what have you got back there?KORDEK [yelling, clearly frustrated]I don't know, Strickland, the engine's going critical, safeties failing. It's as if the entire system just crashed.COMPUTERWARNING…WARNING…KORDEK [yelling, panic setting in]Drive failsafes collapsing, containment overrides down, we've got an intermix chamber bleed and no way to reroute.BONAR [yelling, sarcastic]ENGLISH!KORDEK [yelling]We're about three minutes from becoming a small sun!BONAR [yelling]Yeah - well, I've got some news on that three-minute deadline! We're going to crash in one!STRICKLAND [yelling]Get to the lifepods! Now. Move, move! Abandon ship. Go!COMPUTER VOICELaunching Lifepod. Launching Lifepod.STRICKLANDMy God, I didn't honestly expect that to work. I can't believe we're alive.KORDEKThose life pods are re-enforced titanium alloy, and the inertia gel is rated for hypersonic impacts…..BONARYeah. No one cares, Kordek. We're alive, that's what matters.We'd love your feedback - and if you listen on Apple Podcasts or Spotify, hit the follow button today!**Listen to all of our podcasts here - you can also watch on YouTube, or say to your smart speaker "Play How Do You Say That?!"About our guest: Toby Ricketts is a multi-award-winning voiceover artist specialising in British, Australian, New Zealand, American and Global international non-regional or mid-Atlantic voice overs. Woof! In the last 25 years of his career, Toby has managed to create a global client base of big-name brands and loyal customers - and pretty much all from his secluded hi-tech studio deep in the New Zealand jungle.Just a few of his impressive clients include Facebook, VISA, Samsung, BMW, Audi, Lexus, Airbus, Lenovo and Google. As well as lecturing on Voiceover topics at international conferences (this one included), Toby has been nominated for 5 SOVAS awards, and has won 7 One Voice Awards, including Male Voiceover of the Year twice in 2018 and 2019, and a GEMA Award in 2025.Toby's websiteToby on FacebookToby on InstaToby's YouTube channelResources: Click here for the Wildcard Generator and don't forget to think of an action your character can be doing!About your hosts:With over 40 years representing major international clients such as Google, Emirates and HSBC; Mark Ryes has been trusted to be the voice for some of the world's biggest brands. If your business needs a fresh voice to represent you, then make it Mark's British voice. As a voiceover, TV presenter, podcaster or product demonstrator - Mark makes your brand truly sparkle!Mark's demos & contact details: https://linktr.ee/britishvoiceovermarkElegantly British with an intelligent, warm and seductive voice, Samantha Boffin helps creatives and production companies create great audio that really connects with their audience. BBC-trained and with over 20 years of broadcast experience on both sides of the mic, she's created award-winning promos, narration and commercials for companies all around the globe, including the BBC, Sky, Games Workshop, John Lewis, Audible and Penguin Random House.Samantha's demos & contact details: https://linktr.ee/samanthaboffinMany thanks to our studio audience... especially Kate De Quidt, Karen Esposito and Ben Wake.

Nvidia delivered blockbuster earnings, raised its dividend 25-fold and unveiled an US$80 billion buyback - yet the stock still slipped. Hosted by Michelle Martin, this episode of Market View explores why investors may now expect near-perfection from the AI giant, and what that could mean for richly valued tech stocks globally. Michelle unpacks Nvidia’s latest earnings, easing bond yields, softer oil prices and why Wall Street staged a rebound overnight. She also looks at renewed scrutiny on Singapore property giants CDL and UOL as investors demand clearer plans to unlock shareholder value. Plus: OCBC’s reported bid for HSBC’s Indonesia assets, Gen Z’s changing spending habits, and why some wealth managers now think energy stocks could outperform tech. Companies mentioned: Nvidia, OCBC, HSBC, City Developments Limited (CDL), UOL Group.See omnystudio.com/listener for privacy information.

Dan Ciruli is VP and General Manager of Cloud Native at Nutanix. A computer science graduate of UC Berkeley, Dan spent a decade in engineering before pivoting to product management in 2003, a role that barely had a name when he started. Since then he has held product leadership positions at EMC and Google, where he was part of the team that helped create Kubernetes and open source Google's cloud infrastructure.He was a founding member of the OpenAPI Initiative and a steering committee member for the Istio service mesh project, and has spent the last two decades with one foot in commercial product development and one in the open source community.In this episode, Dan explains why open source is not a charity exercise, how companies actually make money from code they give away for free, and what product managers get wrong when they tell their engineers to avoid it.Key takeaways— Open source is not crowdsourcing from individuals — much of the contribution comes from companies investing on the clock, because broad adoption benefits everyone more than proprietary lock-in.— The CNCF succeeded because it created a neutral space where the largest and smallest organisations felt equally safe contributing and consuming. That structure — not the code itself — is what made cloud native computing universal.— Being a product manager in open source requires the same core instinct as any other PM role: understanding the why. The difference is that your engineers may work for a competitor, and your roadmap is not entirely yours to control.— AI is multiplying the capability of both good actors and bad actors in open source security. The answer is not to slow adoption but to keep a credible human in the loop — someone with accumulated trust, judgement and accountability.— Before open sourcing your own work, be clear on how your company will make money, articulate it concisely for leadership, and then find at least one other organisation — even a competitor — willing to join you. A consortium signals a standard. A solo release signals a gamble.Chapters1:16 — From engineering to product management3:11 — Bridging open source and commercial work5:05 — The origin of Kubernetes at Google6:35 — How Nutanix embraces open source7:16 — The crowdsourcing misconception8:51 — Why the CNCF changed everything11:25 — Building a defensible moat in open source12:13 — The business models behind free code14:18 — Managing roadmaps you don't fully control15:04 — When your competitor writes your code16:04 — The CEO who wore his secrets around his neck18:13 — Developing an open source strategy19:37 — The one question every PM must ask22:44 — What is the CNCF?23:34 — AI, open source and the security arms race29:45 — Chop wood, carry water: the human in the loop31:48 — Advice for PMs running open source products33:15 — Harnessing a community you don't manage34:38 — Should you open source your own work?36:35 — How messy does it really get?39:33 — Linux is an anti-patternOur HostsLily Smith enjoys working as a consultant product manager with early-stage and growing startups and as a mentor to other product managers. She's currently Chief Product Officer at BBC Maestro, and has spent 13 years in the tech industry working with startups in the SaaS and mobile space. She's worked on a diverse range of products – leading the product teams through discovery, prototyping, testing and delivery. Lily also founded ProductTank Bristol and runs ProductCamp in Bristol and Bath.Randy Silver is a Leadership & Product Coach and Consultant. He gets teams unstuck, helping you to supercharge your results. Randy's held interim CPO and Leadership roles at scale-ups and SMEs, advised start-ups, and been Head of Product at HSBC and Sainsbury's. He participated in Silicon Valley Product Group's Coaching the Coaches forum, and speaks frequently at conferences and events. You can join one of communities he runs for CPOs (CPO Circles), Product Managers (Product In the {A}ether) and Product Coaches. He's the author of What Do We Do Now? A Product Manager's Guide to Strategy in the Time of COVID-19. A recovering music journalist and editor, Randy also launched Amazon's music stores in the US & UK.

Send us Fan MailRyan Jude of the Green Finance Institute (GFI) discusses how to mobilise capital for the UK's green home revolution.OverviewIn this episode, Nathan is joined by Ryan Jude, Programme Director at the Green Finance Institute (GFI) and former Cabinet Member for Climate in Westminster. While Nathan admits his expertise lies in the "weeds" of heat pump engineering rather than the world of high finance, the two find common ground in the necessity of making low-carbon technology the "rational economic choice" for the UK public.From the influence of legendary guitarists like Mark Knopfler and Dave Gilmour to the intricacies of Property Linked Finance (PLF), this conversation bridges the gap between technical installation and the financial mechanisms required to scale the UK's transition to net zero.Property Background & The Financial ChallengeThe UK heating sector is currently at a crossroads. While the "want" for green upgrades is increasing due to volatile international energy markets, the "hassle factor" and upfront costs remains a significant barrier for the average homeowner.Ryan explains that "Green Finance" is not a separate entity, but rather a "tinge" on existing financial products—mortgages, unsecured loans, and infrastructure investments—designed to incentivise sustainable upgrades. The goal is a "Green Economy" where the distinction between green and traditional finance eventually disappears.Key Discussion Points & InnovationsThe Evolution of Green Mortgages: Since 2019, the market has expanded from just four niche products to over 93 today, with an estimated £14 billion annually now flowing through green mortgage products.Property Linked Finance (PLF): Ryan introduces the concept of lending against the land rather than the individual. Based on the "PACE" model in the US, PLF allows the debt to stay with the property, lowering risk for lenders and ensuring the liability passes to the next owner if the current resident moves.The "Hassle Factor" vs. Interest Rates: Evidence from Scotland suggests that a 0% interest rate isn't always the primary driver for consumers. Trust, ease of the customer journey, and the "hassle" of installation are equally critical in determining uptake.The Strategic Partnership: GFI is currently co-running a partnership with the government's Warm Homes Plan, involving major high-street lenders like Barclays, NatWest, and HSBC to design accessible, low-interest, government-backed loans.Energy as an Asset: Discussion on how the National Energy System Operator (NESO) and demand flexibility schemes are turning heat pumps, solar PV, and batteries into assets that can actually reduce monthly outgoings through smart usage.Performance & EvidenceThe impact of current geopolitical events, such as the closure of the Strait of Hormuz, has led to a measurable surge in consumer demand.Solar PV: Requests to major suppliers like Octopus and EDF have increased by over 50%.Electric Vehicles: EV demand has mirrored this uptick, as the cost-per-mile (approx. 8p at home vs. 18p at the pump) makes them the cheaper long-term choice.Scale: Over 27,000 solar installations were recorded in March 2026 alone—the highest in over a decade.Closing ReflectionThe transition to a low-carbon home is no longer just a moral choice; it is becoming a financial necessity. As Ryan notes, success will be achieved when the average consumer wakes up wanting the technology not because it is "green," but because it is the smartest way to protect their household from global energy volatility.Support the showLearn more about heat pump heating by followingNathan on Linkedin, Twitter and BlueSky

This episode of HSBC's Perspectives series features Valérie Urbain, CEO, Euroclear. In conversation with Adam Bothamley, Global Head of Debt Capital Markets, HSBC, Valérie shares her perspective on what it will take for tokenisation to scale in global capital markets. They discuss the importance of interoperability, the role of regulation in enabling innovation without fragmentation, and practical use cases.Watch or listen to find out more.This episode was recorded on the sidelines of the HSBC Global Investment Summit in Hong Kong in April 2026. Find out more https://www.business.hsbc.com/en-gb/campaigns/global-investment-summitDisclaimer: Views of external guest speakers do not represent those of HSBC.

Most organisations are asking how to get more from their people. But what if the real question is how to get more from the time they spend at work? In this episode of the Digital HR Leaders podcast, David Green is joined by Joe O'Connor, founder of Worktime Revolution, and Jared Lindzon, future-of-work journalist and author, to explore the research-backed case for the four-day working week, and what it means for how HR leaders design, lead and transform work. Join them as they discuss: Why the five-day working week is a relic of the industrial age What the evidence from global pilots shows about productivity, wellbeing and retention Why organisations moving to a four-day week are also becoming faster AI adopters What it actually takes to make the transition work - and why culture and trust are the real foundations How HR leaders can shift the conversation from top-down mandate to shared, enthusiastic change This episode is sponsored by TechWolf. The world of work is being rewritten faster than HR systems can keep up. Skills age in months. Roles get redesigned quarter by quarter. CHROs have quietly become AI transformation leads, and the data they need to lead it doesn't exist in any HR system. That's why the world's most forward-looking enterprises such as HSBC, AMD, T-Mobile, GSK, ServiceNow, Pfizer, have built on TechWolf.As the data layer for the AI era of work, TechWolf gives enterprises the skills, they need to move faster and lead with confidence. Skills Intelligence, Work Intelligence, and Market Intelligence, in one layer. Visit techwolf.ai. Resources: Do More In Four by Joe O'Connor and Jared Lindzon Hosted on Acast. See acast.com/privacy for more information.

Die Wall Street eröffnet nach den Verlusten der letzten Tage erneut schwächer, wobei vor allem Technologiewerte unter Druck stehen. Belastend wirken weiter steigende Renditen am US-Anleihemarkt, mit den Renditen der 10-jährigen Staatsanleihe bei 4,62% und damit auf den höchsten Stand seit Februar 2025. Gleichzeitig sorgen die Unsicherheit rund um Iran sowie anhaltende Inflationssorgen für Nervosität. Zwar hatte Donald Trump einen offenbar geplanten Angriff auf Iran kurzfristig gestoppt, die Märkte bleiben aber angespannt, da jederzeit neue geopolitische Eskalationen drohen. Im Fokus stehen heute Home Depot nach soliden Quartalszahlen und bestätigtem Jahresausblick sowie Google und Blackstone, die mit einem neuen KI-Cloud-Joint-Venture direkten Konkurrenzdruck auf CoreWeave auslösen. Die Aktie verliert vorbörslich deutlich. Auch Halbleiterwerte stehen im Mittelpunkt: Nvidia, AMD, Broadcom, Marvell und GlobalFoundries erhalten teils kräftige Kurszielanhebungen von Evercore und HSBC mit Verweis auf den anhaltenden KI-Boom und steigende Nachfrage nach Inferenz- und Rechenkapazitäten. CrowdStrike profitiert ebenfalls von positiven Analystenkommentaren, während Meta laut Reuters einen Stellenabbau von rund 10% plant. Insgesamt bleibt die Marktstimmung fragil: starke KI-Fantasie trifft auf steigende Zinsen, hohe Ölpreise und wachsende geopolitische Risiken. Ein Podcast - featured by Handelsblatt. ► Erhalte einen exklusiven 15% Rabatt auf Saily eSIM Datentarife! Lade die Saily-App herunter und benutze den Code wallstreet beim Bezahlen: https://saily.com/wallstreet * ► Entdecke den exklusiven NordVPN Deal! Jetzt risikofrei testen mit einer 30-Tage-Geld-zurück-Garantie: https://nordvpn.com/wallstreet * ► Direkt an der Börse handeln mit tradegate.direct: https://bit.ly/wallstreet_april * +++ Alle Rabattcodes und Infos zu unseren Werbepartnern findet ihr hier: https://linktr.ee/wallstreet_podcast +++ ► Mehr Einblicke: https://bit.ly/360wallstreetpc * Impressum: https://www.360wallstreet.de/impressum *Werbung

Die Wall Street eröffnet nach den Verlusten der letzten Tage erneut schwächer, wobei vor allem Technologiewerte unter Druck stehen. Belastend wirken weiter steigende Renditen am US-Anleihemarkt, mit den Renditen der 10-jährigen Staatsanleihe bei 4,62% und damit auf den höchsten Stand seit Februar 2025. Gleichzeitig sorgen die Unsicherheit rund um Iran sowie anhaltende Inflationssorgen für Nervosität. Zwar hatte Donald Trump einen offenbar geplanten Angriff auf Iran kurzfristig gestoppt, die Märkte bleiben aber angespannt, da jederzeit neue geopolitische Eskalationen drohen. Im Fokus stehen heute Home Depot nach soliden Quartalszahlen und bestätigtem Jahresausblick sowie Google und Blackstone, die mit einem neuen KI-Cloud-Joint-Venture direkten Konkurrenzdruck auf CoreWeave auslösen. Die Aktie verliert vorbörslich deutlich. Auch Halbleiterwerte stehen im Mittelpunkt: Nvidia, AMD, Broadcom, Marvell und GlobalFoundries erhalten teils kräftige Kurszielanhebungen von Evercore und HSBC mit Verweis auf den anhaltenden KI-Boom und steigende Nachfrage nach Inferenz- und Rechenkapazitäten. CrowdStrike profitiert ebenfalls von positiven Analystenkommentaren, während Meta laut Reuters einen Stellenabbau von rund 10% plant. Insgesamt bleibt die Marktstimmung fragil: starke KI-Fantasie trifft auf steigende Zinsen, hohe Ölpreise und wachsende geopolitische Risiken. Abonniere den Podcast, um keine Folge zu verpassen! ____ Folge uns, um auf dem Laufenden zu bleiben: • X: http://fal.cn/SQtwitter • LinkedIn: http://fal.cn/SQlinkedin • Instagram: http://fal.cn/SQInstagram

Marc Rubinstein joins Excess Returns to explain what private credit, bank earnings, insurance balance sheets, fintech growth, and arbitrage firms reveal about the modern financial system. The conversation covers why private credit risks may not be systemic in the traditional banking-crisis sense, but still matter for investors because of redemption gates, hidden leverage, opaque structures, incentive conflicts, and correlations that can spike when markets are under stress.Marc Rubinstein on Xhttps://x.com/MarcRubyNet Interesthttps://www.netinterest.co/In this episode, we discuss:Why the Fed says private credit redemption risks are limited and manageableWhat Blue Owl's redemption gates reveal about private credit liquidityHow post-2008 bank regulation pushed risk into private credit, hedge funds, trading firms, and exchangesWhy banks and private credit firms are both competitors and collaboratorsThe “layer cake” of leverage connecting banks, private credit, and borrowersHow HSBC's loss tied to Atlas and MFS highlights hidden credit risksWhy insurance companies have become increasingly tied to private creditWhy rapid growth can be dangerous in financial businessesWhat bank earnings show about the gap between weak consumer confidence and resilient spendingWhy post-mortem reports from SVB, Credit Suisse, and other failures reveal what investors could not see in real timeHow Revolut became one of the most interesting fintech stories in global bankingWhy Marc calls this a potential golden age of arbitrageWhat Jane Street, public BDC discounts, private asset valuations, and geopolitical fragmentation tell us about market structureWhy investors may still be too anchored to the 2008 banking playbookWhere Marc sees risk and opportunity in financials, banks, Europe, and non-bank financial institutionsTimestamps:00:00 Private credit, hidden risks, and correlation spikes05:03 Why Blue Owl became a private credit warning sign10:20 How private credit grew after the 2008 financial crisis15:30 Banks and private credit as financial “frenemies”19:44 HSBC, Atlas, MFS, and the layer cake of leverage24:11 Apollo, Athene, insurance assets, and private credit incentives29:20 Why higher rates have not broken more of the financial system33:40 Bank earnings, consumer confidence, and resilient spending37:20 Why “I don't know” can be a powerful signal from bank CEOs41:46 Revolut and the ambition to build a truly global bank47:38 Why growth can be dangerous in finance52:19 Private assets, public BDC discounts, and arbitrage opportunities56:34 What investors misunderstand about banks today59:31 How Marc would think about financials as a long-short investor

Spencer Jones, Founder of XO Medtech and MedtechVendors.com, shares how frontline nursing experiences led him to patent vascular access innovations and ultimately take devices from idea to FDA clearance and product launch. Spencer walks through learning business fundamentals through accelerators, raising early funding, and building sales and distribution networks, then explains why launching a digital-first, AI-native ecosystem has enabled faster, leaner execution than traditional medtech pathways. Spencer also discusses leadership, clear communication, and why AI adoption is essential to accelerate and de-risk early-stage medtech.  Guest links: https://www.linkedin.com/in/medtech-innovation/ | www.xomedtech.com | https://medtechvendors.com/  Charity supported: Polaris Project Interested in being a guest on the show or have feedback to share? Email us at theleadingdifference@velentium.com.  PRODUCTION CREDITS Host & Editor: Lindsey Dinneen Producer: Velentium Medical   EPISODE TRANSCRIPT Episode 080 - Spencer Jones [00:00:00] Lindsey Dinneen: Hi, I'm Lindsey and I'm talking with MedTech industry leaders on how they change lives for a better world. [00:00:09] Diane Bouis: The inventions and technologies are fascinating and so are the people who work with them. [00:00:15] Frank Jaskulke: There was a period of time where I realized, fundamentally, my job was to go hang out with really smart people that are saving lives and then do work that would help them save more lives. [00:00:28] Diane Bouis: I got into the business to save lives and it is incredibly motivating to work with people who are in that same business, saving or improving lives. [00:00:38] Duane Mancini: What better industry than where I get to wake up every day and just save people's lives. [00:00:42] Lindsey Dinneen: These are extraordinary people doing extraordinary work, and this is The Leading Difference. Hello, and welcome back to another episode of The Leading Difference podcast. I'm your host Lindsey, and today I'm delighted to welcome to the show Spencer Jones. Spencer is the founder at XO Medtech and MedTechvendors.com. He is an RN, MedTech entrepreneur with 12 years of med device leadership. He's a two time med device CEO with 10 plus patents under his belt and has taken devices from idea to FDA clearance and product launch. Spencer has built sales and distribution networks, led product development teams, and raised over 10 million in VC and Angel Capital. Spencer founded XO MedTech in 2024 to create a digital first medtech ecosystem, deploy AI native tools for medtech operators through medtechvendors.com and cultivate the next generation of medtech innovators. All right, Spencer, welcome to the podcast. Thanks for being here. [00:01:43] Spencer Jones: Thank you for having me, Lindsey. I'm very, very excited to be here. Like it's, it's always more fun to be a guest than it is to host the pod, so absolutely thrilled to be a guest on the pod. Thank you for having me. [00:01:54] Lindsey Dinneen: Of course. Absolutely. Well, yeah, let's just, if you won't, don't mind just sharing a little bit about yourself, your background and what led you to medtech. [00:02:04] Spencer Jones: Yeah. Born and raised in Arkansas. I've lived, I traveled a ton and lived in Memphis and whatnot, but grew up in a healthcare household. Dad did anesthesia for, what was it, 36 years or something at the same place. So I thought I was gonna be a CRNA, like actually started pre-med. Took chemistry my freshman year while I was, you know, it was just, I got a C and I was like, maybe, maybe med school's not for me. But but anyways, did the nursing school thing, got out, started working, pretty quickly, knew if you've ever spent any amount of time in frontline healthcare, you just kind of get, it's like a barrage of things that suck. It's just, especially nursing, the devices you're using are commoditized. Like just the workflows are bad. You know, people, it's, healthcare is very broken. Every, it's no secret. Everybody says that. Everybody knows that. So anyways, I noticed pretty quickly that hey, like why isn't this better? Why can't this be like this? And, you know, kind of had that mindset. And before I could even go through like critical care enough to apply to a CRNA school, ended up patenting some devices in the vascular access space. Really leveraged accelerator programs and the entrepreneurial support organizations that were in my area, in my region to, I call it that get that dirt money, which is like the before the seed, you know, your pre kind of, your pre-seed /seed you know, before the pre-seed money. And, and also like the business training, right? Like I wasn't formally trained on business stuff like that. So did that. Did the venture capital hamster wheel a little bit, took a, you know, device through class two de novo clearance. Was doing ride-alongs training, sales reps, doing marketing stuff, you know, managing our ip, managing clinical you know, 300 patient RCT that we had to do in the middle of COVID, launched the product and then past couple years, I left, left that company in 2022. Products still on the market and they got, you know, clearance in, in Europe now and et cetera, et cetera. But just been working more in laparoscopic spine or laparoscopic surgery orthopedic spine and then doing some like consulting projects and, and things like that. And then yeah, XO Medtech and Medtech Vendors that's been. You know, for the past two years, like a big focus. And I know we're gonna talk more about that, but yeah. So it's just been, it's been a great journey. Medtech is one of my --I love it and hate it at the same time, but I wouldn't wanna be doing anything else, frankly. So. [00:04:17] Lindsey Dinneen: Awesome. That's a great intro. Okay. You were, I really, I enjoyed how you sort of went straight from okay, so, so "I, you know, started the career, started in the industry, and then I, I, you know, got a bunch of patents." What were the ideas for the patents? Where did those come from? If we could just go back, how did that, what was that inspiration like? [00:04:39] Spencer Jones: Yeah. So I was night shift, med-surg, big, pretty big hospital in Little Rock. It was like one of the, one of the bigger ones in Little Rock, St. Vincent's, which is like CHI, St. Vincent, et cetera. And like one of my patients --well the, the very first one was a dual lumen peripheral IV. A patient has a peripheral IV in, I need to get a blood draw. They're like, "Go stick his other arm." I'm like, "Why can't we get it out of his, you know, IV that's in his, that's in his forearm?" And, and they were like, "Well, you, you know, you don't want to contaminate, you know, the thing." And I was like, "Oh, okay. That kind of makes sense." And I was like, well, PICC lines have two lumens. So you know, I was like, why couldn't, you know, why couldn't we just have a second lumen on, you know? And I was like, do those exist? And they didn't really exist. There was kind of one that existed, but it was more of like a longer extended dwell peripheral and you know, you kind of needed ultrasound to place it. You didn't really place, you know, normal nurses on the floor weren't gonna place it. And so I kind of, that one was just sheer-- I experienced something that I was like, "Dude, you're kidding me. There's gotta be a better way to do this." You know what I mean? And you know, kind of similar approach in that one. We, you know, that was the very first one so I was like doing these drawings on note cards and then like meeting with a patent attorney and I was like, did that provisional filing and wrote the patent myself and the claims and all this stuff. And the guy thought I was like, just " Okay, yeah, I'll, I'll file the provisional for you, bro, whatever." Filed the provisional, you know, ended up like going to a different attorney 'cause that guy was kind of just not taking me seriously. And so, ended up going to a different person, filed a non-pro provisional, started raising all this money, and that original attorney reached out later, was like, "Oh, so glad, glad to see blah, blah, blah." I was like, "Yeah, yeah, whatever." But then the second one, I, which was Safe Break Vascular, had the, it's kind of similar. Patient was like, had patients pulling out their IVs, pulling out lines, you know, and it's a million things. It's, it's walkie talkie, so like Alzheimer's, dementia, memory care type stuff. You, it's TBIs, it's agitation, sundowners. It's, you're coming off medication, you're drowsy, you forget, you're hooked up. You need to go to the bathroom. You trip on it. The nurse trips on the tubing. There's like a million reasons how, you know. Where mechanical force can get applied to an IV line. And same thing, I was just like, man, like this, it, it feels holding on for dear life is like the wrong approach because skin is only so strong. You get skin tears. Adhesives, you only want them to be so, you know, so, so strong. And it just, you know, it, wrapping it up, then you can't assess the site, you can get infiltration. So it didn't feel like any of the options we had were great. That one, I started to do patent research literally on the floor at the hospital. Like that night. I was like, I, 'cause I knew enough then found someone that had patented it. Like same exact concept. It was a nurse. And design was bad. Like the design, it had springs in it and it was just like not manufacturable and not a good design, but there were like conceptually it was like spot on. And then there were some elements of it that I was like, this would be very useful to have if I was gonna like actually do this. So me and somebody I'd met, and in accelerator program, we bought the patent from 'em for 20 grand which was a steal of a deal. It was like 10K up front, 10K after 18 months. And yeah. And then we turned around and raised a, you know, million dollar seed round within like, within nine months after acquiring the patent, got into an accelerator, ZeroTo510, shout out to them. But acquired the patent in February. Got it, or March, got into ZeroTo510, April. Went there in May, closed our seed round of a million in December, so it was like a nine month, yeah, ordeal. [00:08:03] Lindsey Dinneen: Wow. That's okay. That's awesome. I love the story. I love the fact that it was from boots on the ground going, "Okay, I see this problem. There's gotta be a better solution." That's super cool. So. All right, so you have these patents, you're going and you're working with accelerators. Can you tell us a little bit about what that experience was like, especially since you mentioned, you know, you didn't necessarily have the business background, so there was, there was probably a bit of a learning curve to that whole, you know, how do you get your idea from your, your note card drawing to commercialization. So I'd just love to hear about your experience. [00:08:35] Spencer Jones: Yeah. The, so I did one accelerator before ZeroTo510. It, I basically did two within about a year, a year of each other. It was like back to back to back. But the first one I did, it was industry agnostic. So it was just a lot of like mentorship and lean canvas startup methodology kind of business practice stuff like accounting 101, you know, building financial forecasts and models and like all of that stuff. So I really learned a ton about kind of just non device specific stuff there. Obviously I was learning a ton about device stuff along the way, but then once I got to ZeroTo510, that's when things kind of like really, you know-- and I had, I had won, I won that first accelerator. It was like a competition, and so I had 150K. And I was like, "Oh wow. So maybe, maybe this is gonna be a career path," 'cause I was still working full-time as a nurse and then I got into the second one. ZeroTo510 was amazing. Allan Daisley was running it. James Bell was like the co-director, I think, and it was like bootcamp. It was like, you know, 8:00 AM to 5:00 PM. It was like sessions and mentor hours and office hours and " Alright, we're done with that. You guys work on this for an hour and a half, we're gonna come back and talk about like the finished product and you better have it done." You know what I mean? And it was every day. I lived up at this building. It was amazing sponge mode. You know, it was one of those environments where you're just like constantly soaking it in and learning and learning and like you can feel your brain expanding like every day. You know, you wake up excited. And that one was amazing. Met a ton of people that I still work with today. You know, met my co-founder at XO Medtech. Met him at that accelerator. But yeah, it was just, that one was amazing. I was like, life changing. Came back from that and I was like, "This is what I was meant to do." I felt like I you know, found my calling. And so, yeah, shout out to the people there that you know, we're a part of that. [00:10:20] Lindsey Dinneen: Love it. Excellent. So, okay, so you found your co-founder for XO Medtech, and this is great because I wanted to dive into that. So, so you've, you've now successfully taken like several products to market and of course you have a lot of other great industry experience. What was, how was it different starting XO Medtech and Medtech Vendors than perhaps other things that you'd done in the past? [00:10:47] Spencer Jones: Yeah. You know, I'm gonna say it was way easier just to be honest. I mean, I mean, you know, I think we, we were doing a lot. We started building XO Medtech in 2022, 2023, and at that time a lot of it was like, it was really focused on the community and the training platform and the resources and kind of all the videos and things that we put in there. Which I still like to this day, will stand on it, that like there, if you're an early stage innovator and you're, you wanna like kind of internally like level yourself up, right? There's no better place than like XO Medtech and the training and inside there to do that, right? But, but yeah, it was we started doing it at a time when AI was starting to become, like Chat GBT, what was it, four was coming out or whatever. So we started it kind of before the wave and then as we were continuing to build it in like 2023 which was like the meat of us building it. It was like kind of starting to become more of a thing, but we still weren't really using it that much. But then as we really went into kind of like launch and growth mode in 2024, it was just like a huge tailwind and like being able and, and it continues to be. But like not having to raise, you know, three, four, $5 million to get a business off the ground and to get to a point where you can start selling something is just incredible. I mean, like we are, we are so agile and can move so quickly and, you know, we don't have any investors. We don't want any investors. So like our speed at which we can move is unbelievable. And coming from somewhere where it's " Oh, you wanna put out something for marketing? Route it through the quality management system and like maybe it goes out in two weeks." You know, we can go from like idea to feature in a week. You know what I mean, you know, let alone like idea to like press release, right? That's 10 minutes if we want to be, right? So really it's just, it's a lot easier and this takes nothing away. There's some incredibly rewarding parts of kind of my, like my medtech journey and stuff like that, like the day we got FDA clearance and, and X, Y, and z whatever date, you know, first sale and getting our first GPO contract. But it's, it's definitely more I would say day to day, just like the exhilarating agility, excitement type stuff that you like, don't really get with with me. And I'm not, I'm not taking anything away from, I'm still a medtech person through and through and I'm sure at some at some point I'll you know, do another device. We're developing another device at Lapovations, so, in combo spine. So my hands are still in it, but I love, love, love what we do at XO Medtech. It's so much fun. [00:13:11] Lindsey Dinneen: Awesome. Well, I love hearing that. So tell us a little bit about both XO Medtech and Medtech Vendors and yeah, their, their focuses. [00:13:21] Spencer Jones: Yeah. So I think, you know, like I said, we started XO Medtech and it's, it's a online community. So think like Skool, like S-K-O-O-L School or Circle, or there's some other Mighty Networks, like one of the-- we use Circle-- but you know, it's whether you're ideation or just like curious about medtech all the way through like series A really, you know, we've got, you know, there's community feed, people are posting. I mean, we posted you know, Project Medtech, you know, event stuff, discounts a lot of exclusive stuff where, I think we added, it was like three or $4,000 worth of discounts. Like just for being like once you join XO Medtech. But then there's that primary feed people, it's like a massive exchange of value and it's it's not like LinkedIn. There's no promotion. Like we base, we will take your post down if you're like nakedly promoting your own stuff or your services, whatever. The whole point of it is to be massive exchange of value. So you know, "Hey, we did some like really cool testing, ETO sterilization testing on coil tubing to see how it retained its memory. Here's what we found, your pictures," you know what I mean? Just stuff like that where it's like kind of giving people behind the, behind the curtain peaks at your own organizations or that kind of, those, those moments of alpha, those nuggets that you've found and just sharing it so you can have you know, and they're doing the same and everybody's better for it. But then we have a training course and then some other like mini courses, probably a couple dozen downloadable resources. So these are like, you know, prebuilt, proformas, budget forecasts, you know, IP stuff, due diligence type stuff, like stuff to help you with, get your data room beef, you know, beefed up and looking good. And we do videos. There's some live events every now and then. So, so that was very focused on the founder side, you know what I mean, like the entrepreneur side. We, you know, my co-founder used to run a med device, venture studio, so like doing like business engineering, business development, engineering, you know, kind of market related stuff for like early stage, largely like clinician and inventors and stuff like that. He used to run a, a, a group that did that. And we knew we wanted to kind of start to do more offerings that kind of for that side of the table, like the CDMO contract manufacturer design and development group side of the table. So we launched, we started building MedTechVendors.com and launched it in 2025, February, 2025. And then did kinda a relaunch with adding some like agentic AI features in I think at the end of the summer last year. But it, but at its core, I always say this analogy, it's like Angie's List, right? You know, Angie's List, what do they do? Well, it connects people with local pros. Allows them to like, evaluate, engage them really easily, you know, get, get their stuff done quickly from trusted people. You know what I mean? So we have the same approach. We help device teams, and that could be device teams at large, medium, small, or startup organizations or tech transfer offices, whoever we help those device teams find, evaluate, and engage contract manufacturers, CDMOs testing facilities, design and development groups, one man band engineers, whatever through the platform. We have an an ag agentic AI chat. So like it'll ask you questions about your device. It'll start recommending, "Hey, do you need this? Do you need these types of services? Are you looking for this type of vendor? This type of vendor?" It pre-populates forms. It generates matches for you. You can review each vendor's profile, one click get email intros or request quotes, and we're adding some some really cool additional features around some different like skills that you can run. So, think like a reimbursement skill or market a, you know, different predicate device selection skill, whatever. And so those are all gonna be like linked up to the to this kind of AI agent. I don't wanna say too much 'cause we're still building it. I'm like really excited about, but there's other things that we're adding to it. The ability to do quote, visualization you know, and trying to make it kind of a, you know, a home away from home, a hub where you can track execution, get things done, engage vendors, and kind of evolve it more laterally in kind of the lifecycle journey. Not just " Hey, I'm looking for a vendor," 'cause that's a very acute point in time in a, you know, in a person's journey. But trying to expand it out to say the period of time when you're doing X and Y and Z and looking for a vendor so we can get some really was sticky, more sticky use and add more value. So, that was that. And we've started really focusing on some more like intimate, I would say, engagements with CDMOs contract manufacturers focused on giving their sales and marketing teams massive, massive leverage using AI and ai, AI native tools. [00:17:35] Lindsey Dinneen: Awesome. That's really cool. Yeah. Okay, so going back a little bit to the, to XO Medtech, I know you know you, you mentioned that there's a lot of resources available, but one of the things that I think is super cool, and I would love if you just share a little bit more about this, is you have a course that-- i don't remember the name off the top of my head-- but it's basically sort of Medtech Innovation 101. It's, I think... [00:18:00] Spencer Jones: Yeah, The Playbook. [00:18:00] Lindsey Dinneen: Call it like-- The Playbook! And you call it like the MBA for somebody who needs to learn. So can you just share the value of that and sort of what, what made you go, "Okay. I have, you know, the expertise in all these different areas enough to be able to share the journey from start to finish." [00:18:19] Spencer Jones: Yeah, absolutely. I think like the, the value there partially comes-- I mean, I think speaking about the value, you gotta speak about kind of like why there was a gap there, like how it, why it didn't exist, whatever. There's just a lot of really bad content in medtech. You know, there's a lot of stuff that reads I mean, there's guidance documents, you know, ISO and this and that. Like those are tough reads, right? And then, you know, the, the content around " "here's how you really fundamentally apply these guidance documents and here's how all this fits together." And it just felt like everything was I don't know what the opposite of like inside baseball is, right? Like that kind of " Hey, here's what you really need to know." Whatever the opposite of that is, is how medtech content felt like to me everywhere. It was just like polished press releases, really, like consulting speak. You know, "You gotta be strategic with your analysis." It's okay "You know, you know, you gotta find your champions." "How do I find them? What do I tell them? You know, how do I engage them?" So it was just, that was the big gap. So I think the value, what we tried to do with The Playbook was, you know, give, like I said, pre-seed all the way through Series A, the right information, like the right depth, on the right topics in the right order with the right assets, so resources, downloads, all that stuff along the way so that you can go cradle to grave on this, basically be a novice, or we've had people that have launched products and gone through it and they were like, "Holy crap, I wish I would've had this five years ago." But the whole idea is to basically not make you a supreme expert on any one of those topics. There's 46 different lessons, 47, and like you can get through each one in probably 20 minutes, right, 15 minutes. But not to make you an expert on each individual topic, but to give you like a dangerous level of information on any one, and then make you able to dive deeper on any of them, you know, very quickly and easily. So like when you meet with your, you know, a regulatory consultant or an IP attorney, or go down the list, you are not, they're not saying words you don't know for the most part. You're not paying them $300 an hour or $500 an hour to educate you on definitions and concepts. Right? You're, you're applying principles and evaluating strategy versus " What's that again? Like, how does this, what's the timeline for that?" 'Cause that you know, that's just not good for anybody. You know, so, so that, that's kinda the main, the main value prop thrust of it. And I just, I frankly didn't think it existed, but proof's in the pudding. Like we've sold it to accelerator programs, we've sold it to hospital, you know, innovation departments. We've sold it to incubators, like trade associations that have like their like kind of innovation arms. It works. Like when people do it, it works. It's funny-- we can talk about this too-- but like the, you can lead a horse to water thing. It's funny how many people say they want to be entrepreneurs and say they wanna be innovators and really they just want to just yap. And they don't actually wanna put the time in. I'm telling you, it's like crazy how many, you know, fake entrepreneurs there are out there. But it's okay. It's okay. You know, like there has to be, I think there needs to be some cleaving or weaning or calving of the herd to some degree because we've got, I don't know, and maybe we need to develop 'em more, but it's, it is frustrating seeing it firsthand when it's like "You have a really cool device, but you are so uninvestible and you have no interest in being coachable that it just hurts me." [00:21:30] Lindsey Dinneen: Oh yeah, absolutely. No, I love that you've done that resource and yes, super excited to see hopefully a lot of innovation actually happen and be successful as a result of that. So with, you know, okay, so you have, you have this community now and I'm wondering if there are any moments that kind of stand out to you, maybe as you've built the company, also Medtech Vendors that kind of enforce, "Wow, I am, I am in the right place at the right time." [00:22:00] Spencer Jones: You know, I definitely-- you know, it's, it's, it's really, there's not, I would say, any huge singular moments. I mean, we've had people like get business from coming on the XO Medtech podcast. You know, we've had people meet new clients, new strategic partners type stuff, like in the XO Medtech community. I mean, I've made a ton of friends in the XO Medtech community, people that I talk to you know, every, every week or two you know, Brad Shirley, I'll mention him. He's fantastic. And like I've learned from him, he's learned from me. We've both learned stuff from the community. I, I, I really do think it's though, it's like it's, you know, those-- whether it's a LinkedIn DM or you know, somebody messaging me in XO and they're like, "Hey, I just went through this lesson. It was like, so good. You know, blah, blah, blah." And I think those little things honestly like power me, power me up, give me juice, give me energy. You know, and, and like reading, we, we did a ton of, I mean we probably got 30 people that did kind of like a pre- and post- assessment and they gave their feedback on The Playbook so we could refine it like as we were, you know, after launch and all that stuff 'cause we're constantly trying to improve it. And have reading the testimonials and people just being like, yeah, like "This is, this is killer." People that are brand new, people that have been in the industry for 20 years that went through it. I think so, I think, I think it's kinda like a myriad of those things. I would say some of the stuff on-- and that's on the XO Medtech -- I think some of the stuff on the Medtech Vendor side and what we're doing with, you know, kind of campaigns and the tools that we're developing and the work that we're doing there, like we are fully an AI native organization. Like it, like we, it there is just not at all like a significant amount of people in medtech using AI to like actually do not in their products. I don't care about that. Like I'm talking about like in their day-to-day operations and, and whatnot and like we're trying to change that. And so like in that respect, like we will come out with things, you know, release features, release products, build custom tools for CDMOs and you know, the looks on their faces and like how amazed that they are at X, Y, and Z. And sometimes it's like stuff where it's hey, I'm like building them a just showing them how to do something with not even a tool that we built and like they're blown away. And anyways, all of that stuff, I feel like, man, like this is where I'm supposed to be because like. We, we've gotta make MedTech a more attractive investment opportunity. We've gotta compress the development cycles and the cost to develop and the time to develop and get things to market. You know, and I look at AI drug discovery for the pharma world as like a huge way that that's happening. But we have to have that similar type of like, when you to engage with this, it will be good for our ecosystem and industry as a whole, becoming more investible, becoming more cash efficient and all that stuff because you've seen other sectors, you know, software is taking money from early stage medtech, like nobody's business. You know, people are investing AI and you know, I just looked at the annual report from like HSBC, the Venture Report, and like me, early stage medtech funding continues to be down. You know what I mean? So we just gotta do something like, I, I feel like it's an existential, it's an existential issue for early stage medtech to get better at being scrappy and using AI. [00:25:03] Lindsey Dinneen: And there's so much opportunity there. Yeah, I love that you're helping to promote that. So you've gotten to lead a number of different companies now and through very challenging milestones. And so I'm curious, how has your own leadership philosophy developed over the course of your career so far? [00:25:24] Spencer Jones: Oh, what a good question. You know, I, I hate to say this, but I've almost gotten more cynical, you know. [00:25:30] Lindsey Dinneen: Okay. [00:25:31] Spencer Jones: Well, and it, it's, it's like I try to be very protective of my time and like protective of the time of the people that I work with, right. You know, and that doesn't mean I'm not willing to like go the extra mile and whatnot, but I think it's about respecting people's time. Right? And, and you know, I think honestly my leadership philosophy, I think a lot of it revolves around just like incredibly clear communication and like staying above the fray. No riff-raff, just just executing and moving fast and like keeping expectations really high, because I feel like when you've got complacency, you know, at the top, it just, it like doubles every rung of the ladder lower that you go in the org chart or whatever. You know, so I think like pace, you know, pace and hyper clear communication, like no subversive or passive aggressive or anything. It's just like straight up, like I'll just exactly tell you if I wasn't happy with something or whatever, but I just, I don't know, like I feel, I feel like you know, leadership style too, like I think, I think it, so much of it boils down to communication for me. It's just like really, really clearly communicating and like making sure that people understand what good work looks like and what a, them doing a good job looks like, and where... Yeah, I think, I think being clear about expectations, really clearly communicating those expectations around like work product, what it should look like, how fast it should get done, how many updates I need, or how many questions I expect to get as you're doing this, what resources I expect you to expend and explore before you come to me with something you could Google. Like all of that stuff, but honestly, I, it, it's kind of a tough question thinking in like the more immediate past, just because I feel like there's been such like, almost like a flattening of org charts, frankly, with the way that we're using technology and AI these days where I feel like in the companies I'm operating in right now, like it's mainly just principles and like lower level stuff, like we're either delegating to AI agents or delegating to like VAs that are in a different country or something, you know what I mean? And, and so there's just been a big flattening. You know, seven years ago, six years ago, I was managing, you know, new grads outta college, two or three at a time, and, you know, having to like, have these kind of like, you know, like brotherly, you know, like talks with, you know, these types of things, " Hey, like you really gotta do this" and like coaching and stuff like that, i, you know, there's a, we have to have that stuff. I'm just not in, in organization and honestly, the organizations I'm in right now in startup world I just feel I don't know. Like I, I feel like we're, I haven't seen that and I, I know a lot of organizations that are small and nimble and whatever, and I feel like the org charts are getting real flat in terms of like people that are getting managed, you know, it's a lot of agents getting managed, frankly. [00:28:21] Lindsey Dinneen: Yeah. Yeah, yeah. Interesting. Yeah, that, that's a really interesting insight too. But I really do think that to your point of coaching and mentorship and how much of a difference that makes, but especially, I was just on this conversation earlier today of the critical importance I feel that there is about establishing expectations across the board, whether it's your clients, your employees, your coworkers, just making sure that everybody's on the same page is such a critical aspect of, of setting yourself up for success. So yeah, I love that you touched on that 'cause like I said, literally earlier today. [00:29:00] Spencer Jones: Yeah. And, and can I, can I, quick aside here. It's, it's on topic, but before we move on, I mean, I, I'm not the first person to think this or say this, but I'll, I'll die on this hill. The more you use AI when, when you're using it the right way, right, the better leader and better specifically, the better communicator you'll become, right? Why? So much of interpersonal office drama, bad management, bad leadership is like what we talked about, right? It's poor communication. It's expecting people assumed something or had knowledge they didn't, right? It's not letting them know what you really wanted, what good work looks like, all that stuff. This is all context engineering, right, which is just a similar to prompt engineering, but context engineering is kind of the other more important piece these days with AI. What do I mean by that? Like I'm gonna give a prompt to a chat. Is it in just like a virgin chat or is it in a project? What context, what documents, skills, reference templates, et cetera, access to code bases does that project have, right? What am I telling it to do? How am I breaking that down? How am I, you know, big, high level goal? What do I want it to do? What does the output need to look like? How deep do I want it to go? Right? Like, how many questions I say, "Ask me like five or six questions" when I'm prompting, right, if I want that, right? Give, so giving the other person right in that space to say " What questions do you have?" Right? The, the, the best people at context engineering and leveraging AI in that way end up becoming more, better and better and better communicators because it's-- I mean, yes, you're talking to a machine, but at the same way, like those principles a hundred percent apply to good professional communication. So I'll die on that hill. There's a lot of people that are like brain rott using AI. It's " what's the weather today?" And you know, "how many calories does mayonnaise have?" And those people are not, you know, they're, they're not improving their leadership communication by using app, but the people actually doing it right a hundred percent are, [00:30:52] Lindsey Dinneen: Yes, I could not agree more. I think that is one of the coolest things that AI has taught me personally is-- to your point, to be a better communicator, to be clearer with the way that I communicate, to avoid assumptions that the other person, say, knows what I'm talking about or, or does have the context behind why I asked the question the way I did, or all those kinds of things. So I, I could not agree with you more. Yeah. And it's exciting to see how it continues to evolve. Okay. [00:31:22] Spencer Jones: Yeah. And why, real quick, why, like the AI models, especially with the reasoning models and stuff, Opus 4.6, all this stuff, telling them why they're doing something and why doing it, doing a certain task within that project flow is important is proving to be more effective than telling them how. And I think that's something where, you know, you tell someone what to do, they may do it, but if you tell them and make them believe why it's important, they do it that way, they're really gonna do it that way. [00:31:49] Lindsey Dinneen: Yeah. Love that so much. Okay. All right, so pivoting the conversation a little bit, just for fun. Imagine that you were to be offered a million dollars to teach a masterclass on anything you want, could be within your industry, but doesn't have to be. What would you choose to teach? [00:32:05] Spencer Jones: Does this, assume-- I have a question. Does this assume that I'm already I'm already capable and you know, have enough expertise to actually teach this class? Or is it like I choose this topic, I'm now an expert in that and I get to teach it? [00:32:19] Lindsey Dinneen: I like, I like I like both options, but I'm gonna go with option B because you have a million dollars to play with, right, so you could build up the expertise. Yeah. [00:32:29] Spencer Jones: You know, I would still say like building AI tools, AI agent systems, you know, skills and subagents and these flows and, and really tactically executing that for medtech. And that that goes from founder, you know, innovator to service provider, reg, quality ,reimbursement, like all the way up through sales and marketing and then like CDMO teams, you know, doing contract manufacturing, doing this. Like I, I just, I'm so passionate about it and I, I just see that there's so much untapped opportunity that that is the thing I think, and, and like we, we are doing that not a masterclass, but like we are working with groups to do some of that. But, I just, it's just so, so, so, so much opportunity to do it. And I think there's like weird structural reasons why it's not being adopted the same, you know, at the same clip it is in other industries. But you know, medtech's very rules-based game. You know, you've got your guidance docs, you've got your predicate devices, you've got your clinical trial protocols, you've got your stats analysis. You got your, you know, X, Y, Z hospitals get paid a certain way. Like lots of formulas, lots of reference material, lots of guidance docs. You know, it's very kind of rules and order based system in a lot of ways. And biology has its own kind of, prescriptive way that things happen, right? So I just feel like it's so primed for it. And anyways, I, I just, I wanna see it adopted more so we can see like what's happening with software now, where, you know, the cost to build and, you know, produce and get software to market has com has almost collapsed, but compressed to, you know, from like months, maybe years to, you know, days and weeks and, you know, you got a $200, 250 bucks worth of like software subscriptions, Claude this, that, the other, you can get it done in a week if you, you know, two weeks if you put your mind to [00:34:21] Lindsey Dinneen: Yeah. Yeah. No, that would be an incredible masterclass. I like it. All right. And then how do you wish to be remembered after you leave this world? [00:34:30] Spencer Jones: Oof. God, what a good question, Lindsey. You know, I hope to be remembered at all. [00:34:35] Lindsey Dinneen: Yeah. [00:34:36] Spencer Jones: You know, 'cause I, I'm definitely one of those people that's " nobody cares, nobody's thinking about you." You know, you may have, I, I mean, I think there's like some healthy main character syndrome that people can have that gives 'em confidence, but at the end of the day, no one cares. They're just, everyone's thinking about themselves. But if I am remembered, which I hope to be I wanna be viewed as like someone that was, I'd say, loved their family was a good dad, good husband. I would say brought people joy, was like fun to be around, but like from a interested in other people sense, you know, you know, genuinely cared about people. But I would say that on the professional side, like somebody that you know, would like consistently just delivered an absurd amount of value whether it was, you know, running a business or coaching and developing people at a company or working on behalf of clients or trying to make a positive change. I would say impactful and valuable, you know, with the work that I'm doing. That's, that's, that's how I wanna be remembered. I mean, we don't have big, I don't wanna be a unicorn billion dollar company. No, we have no desire to do that. We don't even have a, a desire to get acquired at any point. We're not raising money, you know, we've, we've deliberately chosen to bootstrap it. You know, we frankly just wanna employ really awesome smart people that we work with, you know, pay everybody well. And like I said, add a absurd amount of value you know, and joy to the people and the clients that we work with and like work at the company with, you know what I mean? [00:36:05] Lindsey Dinneen: Yeah. Yeah, that's a absolutely wonderful legacy to aspire to. I love it. All right. And then final question. What is one thing that makes you smile every time you see or think about it? [00:36:19] Spencer Jones: Oh, I gotta be, I've got a 1-year-old kid. Banks. Banks Austin Jones. So it's gotta be him, and my wife of course. One thing that makes me smile though, every time I see it, oh... you know, I am, I'll cry at a good TikTok, so I'm so I guess that's like a form of smiling, you know? But I'm a pretty big softie, honestly. You know, this is gonna sound weird, but it's kind of those moments where you know, people usually strangers and usually people that don't look like each other, just show humanity to each other. And that could be like holding a door open for somebody. It could be small things, you know what I mean? But I really love seeing those moments and capturing them like candidly, you know? Just you know, oh, I was in a restaurant, I saw this thing happen. You know? I really love that these days. [00:37:09] Lindsey Dinneen: Yeah. Yeah. We all need more of that these days too, so, yeah. Love it. Alright, well, Spencer, this has been a, a fantastic conversation. I really appreciate you and your time today. I love what you're building in the medtech industry and cultivating community and resources and providing value. So just thank you for everything you're doing to change lives for a better world. [00:37:34] Spencer Jones: Thank you. Can I ask you a question? I feel like you were so good, like with the questions and kind coming on the back of like my responses, but I have a question for you like what? You know, what about the medtech space, like most excites you? It can be a specific technology, it can be a specific, you know, company doing something. It can be anything, but what's most exciting to you, kind of looking at 2026 and, you know, kind of in the realm of medtech broadly. [00:38:00] Lindsey Dinneen: Yeah. Oh, I love that question. So I love this industry in general, but there, there's something really special about the energy of being around people who truly care about making a difference. Part of the reason I started The Leading Difference was because I, when I first joined, had sort of noticed this sort stigma from people from the outside who weren't very familiar with the innovation, what it takes to get from, you know, drawing to commercialization. Just didn't, just didn't know. And there was this stigma that people were here just for the money. And then I started meeting all of these incredible change makers who they had personal stories of what they were seeing, or a family member was impacted. And I just loved the fact that there were so many cool people doing such cool things and getting to play a small role in that was the coolest thing in the world. So, you know, I, I say I happily stumbled into medtech five years ago and found my people and my happy place, haven't looked back. I love it. I love being around people who are genuinely trying to do good things in the world. And I hear about new and you know, new ideas every day, and I get excited probably almost equally about most of them because it's just cool to see. So I don't know. Does that answer your question? [00:39:29] Spencer Jones: No, it, it does. I mean, it, it really the, it all comes back to the patient at the end of the day. And I definitely, I, I feel like when people think of like medical device stuff, like their minds immediately go to like Stryker sales reps or something, you know what I'm saying? And there's just so much more to it than that. And there's one of my favorite things about medtech is like the personalities, you know, like you got your wacky, you got your wacky inventors and you know, you got your straight laced regulatory people. But when you get to know 'em, they're, they're absolutely hilarious. You know, you got your attorneys, you got your like, and I, every industry, every industry has their personalities. But I think medtech, you know, you got your beef head sales reps that are like posting " What's up guys? I'm here in the locker room in my scrubs" and like "Motivation Monday." You're like, "Oh my God." But it's just like all these personalities and you go to these conferences and you just see 50 of the same person, but they're each different, they have their own dreams and conflicts and ideas and whatever, but they're still like so in the same box in some ways. I think that's one of the funnier, like funnier things about medtech that just makes it quirky, you know? [00:40:30] Lindsey Dinneen: I love it. And I also love the amount of respect that I see shared amongst people of very, very different backgrounds and areas of expertise. And that was one of the things that made me fall in love with the industry too. I was like, I, for instance, you know, I'm in, I'm in marketing and business development, so I play a very small role in, in sharing about these devices. But people, the engineers that I work with and the consultants that I work with, and everybody in the ecosystem is always just " Wow, well, I can't do what you're doing. And so I think what you're doing is fantastic." And so there's just, there's this mutual respect that I think is super cool about being here too. So yeah, I'm a fan. [00:41:08] Spencer Jones: Yeah, I agree. I agree. We could, we could keep going for, for days... [00:41:12] Lindsey Dinneen: I know. [00:41:13] Spencer Jones: ...On this. I really, I know, I know we have to wrap it, but but yeah. Well, Lindsey, thank you for having me. Seriously, this was a blast. And you know, I'll just maybe like quick sign off plug or something here. If anybody that's listening to this is like interested in, leveraging AI, leveraging AI in medtech or for you personally or whatever, follow me on LinkedIn and post a lot of content about it. You know, talk about it a lot on the podcast. But then if you're, if you're on the founder side, if you're an innovator, like join XO Medtech. If you're on the CDMO side, if you're, you know, on a sales and marketing team, contract manufacturer, CDMO, even like signed development groups, that kind of stuff like, you are like, "We know we need to be using AI to better leverage X, Y, Z, or do this thing. We have all these, we have HubSpot and this thing and that thing, and none of it works together well and we've got too many tools." Whatever. Just hit me up. Let's have a conversation. We're doing some absolutely incredible things leveraging AI, giving these sales and marketing teams like crazy leverage. So yeah, just drop a dm. I'd love to talk to you. [00:42:08] Lindsey Dinneen: Awesome. Sounds good. And we are so honored to be making a donation on your behalf as a thank you for your time today to the Polaris Project, which is a non governmental organization that works to combat and prevent sex and labor trafficking in North America. So thank you for choosing that organization to support, and we wish you continued success as you work to change lives for a better world. Looking forward to seeing the future of all the good things that you're doing. All right. Bye. [00:42:41] Dan Purvis: The Leading Difference is brought to you by Velentium Medical. Velentium Medical is a full service CDMO, serving medtech clients worldwide to securely design, manufacture, and test class two and class three medical devices. Velentium Medical's four units include research and development-- pairing electronic and mechanical design, embedded firmware, mobile app development, and cloud systems with the human factor studies and systems engineering necessary to streamline medical device regulatory approval; contract manufacturing-- building medical products at the prototype, clinical, and commercial levels in the US, as well as in low cost regions in 1345 certified and FDA registered Class VII clean rooms; cybersecurity-- generating the 12 cybersecurity design artifacts required for FDA submission; and automated test systems, assuring that every device produced is exactly the same as the device that was approved. Visit VelentiumMedical.com to explore how we can work together to change lives for a better world.

In ep 173 of “How Do You Say That?!” sponsored by britishvoiceover.co.uk, Rachel Capell joins Sam and Mark to talk about how past tense as present tense can throw you, working out where your script sits within the final narration and the fine line which means you can't leave a documentary on a sad note. We ask when is a script set in the future NOT futuristic and work out how to be wistful and informative at the same time.Our fun facts this week are about avoiding claustrophobia, being naked, tiles that fall off the wall, and kids at weddings!Our VO question this week is all about whether having a niche style is good for your career.Get involved! Have you got a Wildcard suggestion that we should try or an idea for the show? Send it to us via Mark or Sam's social media or email it directly to podcast@britishvoiceover.co.ukScript 1After one last look around the yacht, Her Majesty disembarked for the very last time. All the clocks on board were stopped at 3:01, the exact time she left the yacht.It is one of the few times Queen Elizabeth has broken her composure. Shedding a tear at the ceremony, she said goodbye to her floating palace, to her sanctuary.The Royal Yacht Britannia made its final journey. In Leith, Edinburgh, the Britannia opened its doors to the public.Script 2There's a pulse near the sea, like the waves breathing on the shore.When I was little, the beach looked very different.T'was wider and tides went out much further.I'd grab the old snorkeling gear, dive in and just lie on the surface, looking down on the fields of grass, watching billowing seaweeds, shoals of mackerel and kelp …I'd be there what felt like hours.There were cuttlefish, rays, kevelings and spider havilers.And the colours, all these pinks, golds and blues…We'd love your feedback - and if you listen on Apple Podcasts or Spotify, hit the follow button today!**Listen to all of our podcasts here - you can also watch on YouTube, or say to your smart speaker "Play How Do You Say That?!"About our guest: Rachel Capell is a multi-award nominated voiceover artist with a rich performance background and a serious love for storytelling. Rachel started out singing in pubs at 16, studied Theatre at both undergraduate and masters level, and performed across small-scale theatre before stepping behind the mic. There was a 15-year “interlude” producing large-scale cultural events, but the call of the voice booth proved too strong. Her voice is warm, clear, and full of character – trusted by clients such as LEGO Group, Vodafone, Booking.com, NHS, Breast Cancer Now, PDSA, Tearfund and Wizarding World. Whether it's commercial, corporate, healthcare, or characters for gaming and animation, Rachel's delivery is authentic, compelling, and utterly human. When she's not in the booth, she's likely on the sofa with her daughter, binge watching Stranger Things or trying, and failing miserably, to play Donkey Kong.Rachel's WebsiteRachel's Facebook page@capell.rachel on InstagramResources: Click here for the Wildcard Generator and don't forget to think of an action your character can be doing!About your hosts:With over 40 years representing major international clients such as Google, Emirates and HSBC; Mark Ryes has been trusted to be the voice for some of the world's biggest brands. If your business needs a fresh voice to represent you, then make it Mark's British voice. As a voiceover, TV presenter, podcaster or product demonstrator - Mark makes your brand truly sparkle!Mark's demos & contact details: https://linktr.ee/britishvoiceovermarkElegantly British with an intelligent, warm and seductive voice, Samantha Boffin helps creatives and production companies create great audio that really connects with their audience. BBC-trained and with over 20 years of broadcast experience on both sides of the mic, she's created award-winning promos, narration and commercials for companies all around the globe, including the BBC, Sky, Games Workshop, John Lewis, Audible and Penguin Random House.Samantha's demos & contact details: https://linktr.ee/samanthaboffin

In the private sector, product teams pick their customers, generate demand, and ship into something close to a green field. In the public sector, none of that holds. Ayushi Roy — Chief Program Officer at New America's New Practice Lab and a lecturer at the Harvard Kennedy School — joins Randy to unpack what changes when your user base is already sitting in front of you, your scrutiny is congressional, and the right answer is sometimes to delete ten systems rather than build an eleventh.Drawing on her work on IRS Direct File, the Children's Health Insurance Program (CHIP), the Illinois childcare voucher system, and a text-based 911 alternative that rolled out to 800,000 students across 13 universities, Ayushi makes the case for a distinct public-sector product playbook: thin-slicing for safe failure, designing for the lowest digital denominator, separating design problems from engineering problems, and treating unbuilding as a first-class option.Chapter markers01:48 — From aid monitoring in Jordan to digital delivery03:37 — Why she built a text-based alternative to 91106:33 — From a rollout to 800,000 students to Oakland City Hall08:58 — What the New Practice Lab does, and what a CPO does inside a think tank11:06 — Why private-sector product playbooks don't transliterate14:03 — No marketing, no early adopters: latent demand and the curb cut effect14:40 — Oakland's eviction tool, MacBooks, and the lowest digital denominator17:30 — Thin-slicing IRS Direct File without losing Congress22:36 — Building executive sponsorship that allows safe failure23:41 — Product vs service: the rest of the job that isn't writing code26:09 — Illinois childcare vouchers: when modernising the form makes things worse29:22 — Design problems, engineering problems, and the laptop-hinge analogy33:18 — Can AI prototyping close the policy–implementation gap?35:40 — The FAFSA simplification crisis and the case for bilingual builders37:31 — Unbuilding: how a request for a 15th CHIP system became one to remove ten41:18 — What keeps her goingOur HostsLily Smith enjoys working as a consultant product manager with early-stage and growing startups and as a mentor to other product managers. She's currently Chief Product Officer at BBC Maestro, and has spent 13 years in the tech industry working with startups in the SaaS and mobile space. She's worked on a diverse range of products – leading the product teams through discovery, prototyping, testing and delivery. Lily also founded ProductTank Bristol and runs ProductCamp in Bristol and Bath.Randy Silver is a Leadership & Product Coach and Consultant. He gets teams unstuck, helping you to supercharge your results. Randy's held interim CPO and Leadership roles at scale-ups and SMEs, advised start-ups, and been Head of Product at HSBC and Sainsbury's. He participated in Silicon Valley Product Group's Coaching the Coaches forum, and speaks frequently at conferences and events. You can join one of communities he runs for CPOs (CPO Circles), Product Managers (Product In the {A}ether) and Product Coaches. He's the author of What Do We Do Now? A Product Manager's Guide to Strategy in the Time of COVID-19. A recovering music journalist and editor, Randy also launched Amazon's music stores in the US & UK.

How is the global trade landscape evolving and what does it mean for businesses navigating uncertainty?In the latest episode of HSBC Perspectives, trade expert Ambassador Michael Froman, President of the Council on Foreign Relations, speaks with Michael Roberts, HSBC's CEO of Corporate and Institutional Banking, about how policy shifts, geopolitics and resilience priorities are reshaping trade and supply chains.Watch or listen to find out more.This episode was recorded on the sidelines of the HSBC Global Investment Summit in Hong Kong in April 2026Find out more here https://www.business.hsbc.com/en-gb/campaigns/global-investment-summitDisclaimer: Views of external guest speakers do not represent those of HSBC.

HSBC's Global Head of Trade Solutions, Vivek Ramachandran, sits down with DRWakefield's Managing Director Terry Sparling to unpack what's reshaping the global coffee market right now. From tariffs and trade disruption to price volatility and supply chain pressure, they explore what it means for businesses on the ground - and how HSBC can help clients stay resilient and keep trade moving through uncertainty.Watch or listen to find out more.Disclaimer: Views of external guest speakers do not represent those of HSBC.

Treasurer Jim Chalmers is set to deliver the next Australian federal budget, and reports indicate it's going to be focused on housing. It's likely new property tax reforms will be unveiled, with an expected crackdown on capital gains tax discounts and negative gearing. HSBC Chief Economist Paul Bloxham explained further. LISTEN ABOVESee omnystudio.com/listener for privacy information.

This episode features Kenneth Rogoff, Professor at Harvard University and former Chief Economist at the International Monetary Fund, in conversation with Volkan Benihasim, HSBC's Global Head of Macro – FX, Rates and Commodities. They explore the evolution of dollar dominance and what could shape the next chapter – from central bank independence and fiscal discipline to the rise of the renminbi and digital finance.Watch or listen to find out more.This episode was recorded on the sidelines of the HSBC Global Investment Summit in Hong Kong in April 2026. Find out more here https://www.business.hsbc.com/en-gb/campaigns/global-investment-summitDisclaimer: Views of external guest speakers do not represent those of HSBC.Copyright © Kenneth Rogoff 2026, All Rights Reserved

In this episode, John and Fintan take a candid, humorous dive into their personal lives, the gambling industry, and the quirks of university branding, uncovering unexpected insights along the way. Whether discussing the challenges of regulation, humorous stories from school days, or the latest in gaming and media, this episode offers an eclectic mix of entertainment and industry critique.What we talk about, but in a list:Personal stories and humorous anecdotes from school and family lifeThe impact of regulations and regulatory culture within gambling and financial sectorsA humorous discussion on university branding, naming conventions, and brand perceptionIndustry updates: shares, mergers, and the influence of short sellers on gaming tech companiesExploration of journalism, hacking, and investigative work in Malta and beyondCultural commentary on football, movies, and pop culture influencesThe nuances of proposing, relationships, and family life humorIndustry insights on AML, KYC, and financial crime in casinos and bankingChapters, kinda. Might want to add 30 seconds though, because of the world-class music:00:00 - Introduction and episode overview, hosts' banter 02:01 - Commentary on parenting, daycare, and homeschooling debates 04:18 - Nostalgic school stories and interactions with teachers 08:35 - Personal education background and university experiences 12:02 - Comparing industry sponsors to top universities 15:12 - Spotlight on Gaming Laboratories International (GLI) and their services 16:56 - Pop culture talk: The Simpsons and Roy Keane history 18:24 - Industry sponsors: OptiMove, World Gaming, and tech insights 21:12 - Upcoming conferences, Vegas trips, and podcast plans 23:15 - Regulatory shifts: Andrew Rhodes, gambling sector transitions 26:25 - Naming strategies: from Hawkbridge to animal-themed brands 29:47 - Industry updates: Shares, mergers, and short seller activities 34:05 - Investigative journalism, hacking stories in Malta, and the importance of free press 36:50 - Reflections on HSBC, money laundering, and financial regulations 39:44 - Casino money laundering stories and compliance pitfalls 44:03 - Cultural references: Saipan movie and Irish football stories 50:00 - Industry scandals, regulatory fines, and legal deterrents 55:23 - Personal anecdotes and humorous speculation on relationships and daily life 59:10 - Family life, balancing work, and the humour of multiple wives 62:00 - Exploring menopause, aging, and humour about energy and exhaustion 65:11 - Wrapping up sponsorship shout-outs and reflections on authenticity 66:21 - AI, cloning, and the future of podcast production 68:02 - Closing remarks and goodbyesResources & Links:As ever, we thank all of our sponsors for their vibrant and excellent support that makes all of this… magic… possible.Optimove, who turn customer data into something special, with tools that make businesses just plain work better. Optimove, your support helps us to keep creating content for an industry that probably thinks we disappeared years ago.Then of course there is Clarion Gaming, no hang on World Gaming, providers of the magnificent ICE expo and iGB Live! in London. There is simply nobody better at what they do.And the new-ish members of the family, the excellent Gaming Laboratories International. GLI is a world-class Testing, Inspections and Certification company committed to delivering the highest quality land-based, lottery, and iGaming testing and assessment services, working in more than 710 jurisdictions.For more information, visit gaminglabs.com.The Gambling Files podcast delves into the business side of the betting world. Each week, join Jon Bruford and Fintan Costello as they discuss current hot topics with world-leading gambling experts.Website: https://www.thegamblingfiles.com/Subscribe on Apple Podcasts: https://apple.co/3A57jkRSubscribe on Spotify: https://spoti.fi/4cs6ReF Subscribe on YouTube: https://www.youtube.com/@TheGamblingFilesPodcast Fintan Costello on LinkedIn: https://www.linkedin.com/in/fintancostello/ Jon Bruford on LinkedIn: https://www.linkedin.com/in/jon-bruford-84346636/ Follow the podcast on LinkedIn: https://www.linkedin.com/company/the-gambling-files-podcast/ Sponsorship enquiries: https://www.thegamblingfiles.com/contact/ Get our newsletter: https://thegamblingfilestldr.substack.com/

The stock market was not happy with HSBC. The banking giant reported what should have been a small nothing, a $400mm loss on a loan to an Irish entity with a name that sounds like a Star Wars droid. AGF WHCO 1-A5. But that $400mm loan and loss ended up pulling back the curtain a little more on the current credit crisis. As did the comments from Apollo's CEO, where he used the words “contagion” and “egregious.” Eurodollar University's Money & Macro Analysis-----------------------------------------------What is a Eurodollar University membership? It's where understanding the monetary world isn't a mystery—it's a method. If you're serious about your financial education and want clarity in a world of volatility and massive uncertainty, you're in the right place. Ready to explore? Master monetary systems – past and future - with structure, clarity, and confidence. Visit https://eurodollar.university/membership-------------------------------------------------https://www.eurodollar.universityTwitter: https://twitter.com/JeffSnider_EDU

In ep 172 of “How Do You Say That?!” sponsored by britishvoiceover.co.uk, Jane Wing joins Sam and Mark to talk about adding movement into a dramatic heist and how you can immediately place the listener within the action of a scene. We examine the difficulty of playing dry humour in a commercial script, and how flat is flat when you're trying to point the laughs in a conversational Northern accent? We talk vocal health with Kazoos, Kettles and Wedding songs plus the wildcard section has a real sting in the tail!Our VO question this week is all about the similarities between teaching kids and voice acting.Get involved! Have you got a Wildcard suggestion that we should try or an idea for the show? Send it to us via Mark or Sam's social media or email it directly to podcast@britishvoiceover.co.ukScript 1Breaker. I'm in.Heading down to the eighty-fourth floor now.I'm almost to the server room. I need that key card, Tech. Sooner is better than later.I need that card, people. Tick, tock.Got it. Downloading.Go ahead and get into position. I'll be heading out in a couple of minutes. Tech, you got eyes on security?Just be ready to move.Script 2Most products now come with… options.Lots of options.Settings you'll never use.Features you didn't know you had.And instructions you won't read.Because, in reality,people don't want more to think about.They want something that works.So we kept things simple.No extras.No noise.Just something that does its job properly.And leaves you to get on with yours.Which, statistically,is exactly what you were going to do anyway.We'd love your feedback - and if you listen on Apple Podcasts or Spotify, hit the follow button today!**Listen to all of our podcasts here - you can also watch on YouTube, or say to your smart speaker "Play How Do You Say That?!"About our guest: Jane Wing has been surrounded by performers for as long as she can remember. She first took to the stage at the age of seven and recorded her first professional voiceover at eighteen, lending her native Liverpudlian accent to the Mersey Ferries. After completing an honours degree in Theatre Arts, she spent several years in teaching, radio, and television. Teaching strengthened her clarity, sight reading, and audience engagement, while broadcasting gave her a strong technical grounding in audio production. Today, she lives in the North West, close to the sea, and continues to invest in training, coaching, and studio equipment to ensure her work stays current, polished, and professionally competitive.Jane's WebsiteJane's Facebook page@jane_wing_voiceover on Instagram Resources: Click here for the Wildcard Generator and don't forget to think of an action your character can be doing!About your hosts:With over 40 years representing major international clients such as Google, Emirates and HSBC; Mark Ryes has been trusted to be the voice for some of the world's biggest brands. If your business needs a fresh voice to represent you, then make it Mark's British voice. As a voiceover, TV presenter, podcaster or product demonstrator - Mark makes your brand truly sparkle!Mark's demos & contact details: https://linktr.ee/britishvoiceovermarkElegantly British with an intelligent, warm and seductive voice, Samantha Boffin helps creatives and production companies create great audio that really connects with their audience. BBC-trained and with over 20 years of broadcast experience on both sides of the mic, she's created award-winning promos, narration and commercials for companies all around the globe, including the BBC, Sky, Games Workshop, John Lewis, Audible and Penguin Random House.Samantha's demos & contact details: https://linktr.ee/samanthaboffin

Geopolitics is back in the driving seat for markets as Middle East tensions shake energy prices, government borrowing costs climb and investors revisit whether ‘quality' shares are due a comeback. We cover the latest updates from Next, Novo Nordisk, HSBC and Diageo, and we speak to Hugh Yarrow of Evenlode Income on why sticking with quality businesses can pay off. Plus on the personal finance side: why cash ISA deposits keep rising, and the everyday luxuries people refuse to give up.   Timestamps: [01:19] Geopolitics and markets: Iran/Middle East developments  [03:44] Government borrowing costs: what's driving yields higher  [06:29] Next's latest results [09:56] Novo Nordisk and weight-loss drugs  [11:50] HSBC's profits fall  [13:17] Diageo's World Cup boost  [17:27] Interview: Hugh Yarrow (Evenlode Income) on investing in quality companies  [33:08] Fuel watch: the impact of oil-market tensions  [36:57] Cash ISAs soar in popularity [44:23] Cost-of-living: the ‘luxuries' people won't give up

Global oil reserves plunged at a record pace in April and the SEC said it was proposing to allow public companies to file earnings reports every six months. Plus, the US will start reviewing some AI models over national security concerns and HSBC's profits took a major hit from “fraud-related” exposure. Mentioned in this podcast:SEC moves to scrap quarterly reporting requirementGlobal oil reserves plunge at record pace as Middle East war strains suppliesHSBC profits hit by $400mn ‘fraud-related' exposureGoogle, xAI and Microsoft agree to US national security reviews of new AI modelsNote: The FT does not use generative AI to voice its podcasts Today's FT News Briefing was hosted and edited by Marc Filippino, and produced by Katya Kumkova, Saffeya Ahmed, Fiona Symon, and Sonja Hutson. Our show was mixed by Sam Giovinco. Additional help from Michael Lello and David da Silva. Our executive producer is Topher Forhecz. Cheryl Brumley is the FT's Global Head of Audio. The show's theme music is by Metaphor Music.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

In this podcast episode, Diane Wiredu, Founder and Messaging Strategist for Lion Works, underscores the significance of this key element. Diane breaks down a step by step guide on effective messaging, while also providing insights on engaging customers and growing products.Our HostsLily Smith enjoys working as a consultant product manager with early-stage and growing startups and as a mentor to other product managers. She's currently Chief Product Officer at BBC Maestro, and has spent 13 years in the tech industry working with startups in the SaaS and mobile space. She's worked on a diverse range of products – leading the product teams through discovery, prototyping, testing and delivery. Lily also founded ProductTank Bristol and runs ProductCamp in Bristol and Bath.Randy Silver is a Leadership & Product Coach and Consultant. He gets teams unstuck, helping you to supercharge your results. Randy's held interim CPO and Leadership roles at scale-ups and SMEs, advised start-ups, and been Head of Product at HSBC and Sainsbury's. He participated in Silicon Valley Product Group's Coaching the Coaches forum, and speaks frequently at conferences and events. You can join one of communities he runs for CPOs (CPO Circles), Product Managers (Product In the {A}ether) and Product Coaches. He's the author of What Do We Do Now? A Product Manager's Guide to Strategy in the Time of COVID-19. A recovering music journalist and editor, Randy also launched Amazon's music stores in the US & UK.

In der heutigen Folge sprechen die Finanzjournalisten Daniel Eckert und Lea Oetjen über den Einbruch von PayPal, den Aufschwung von Pinterest und das Rekordhoch von Micron. Außerdem geht es um Pfizer, JP Morgan, Goldman Sachs, Blackstone, FactSet, Morningstar, S&P Global, Moody's, Intel, Apple, Samsung, TSMC, AMD, Arm, Infineon, Fresenius Medical Care, Rheinmetall, Commerzbank, Unicredit, Siemens, Siemens Energy, Rockwell Automation, Hochtief, Schaeffler, Ferrari, HSBC, Anheuser-Busch InBev, Xetra Gold (WKN: A0S9GB), Euwax Gold II (WKN: EWG2LD), Vanguard FTSE All-World (WKN: A2PKXG), iShares MSCI Emerging Markets IMI (WKN: A111X9), Vanguard EUR Corporate Bond (WKN: A2PA8G), Vanguard FTSE All World (WKN: A1JX52), iShares MSCI World Quality Dividend Advanced (WKN: A2DRG5), VanEck Morningstar DM Dividend Leaders (WKN: A2JAHJ) und Amundi Smart Overnight Return (WKN: LYX047). Wir freuen uns an Feedback über aaa@welt.de. Noch mehr "Alles auf Aktien" findet Ihr bei WELTplus und Apple Podcasts – inklusive aller Artikel der Hosts. Hier bei WELT: https://www.welt.de/podcasts/alles-auf-aktien/plus247399208/Boersen-Podcast-AAA-Bonus-Folgen-Jede-Woche-noch-mehr-Antworten-auf-Eure-Boersen-Fragen.html. Hier könnt ihr den AAA-Newsletter abonnieren: https://www.welt.de/newsletter/article232797673/Alles-auf-Aktien-Der-taegliche-Boersen-Newsletter-fuer-WELTplus-Abonnenten.html Und - ganz neu: AAA gibt es jetzt auch auf Instagram: https://www.instagram.com/alles_auf_aktien/ Disclaimer: Die im Podcast besprochenen Aktien und Fonds stellen keine spezifischen Kauf- oder Anlage-Empfehlungen dar. Die Moderatoren und der Verlag haften nicht für etwaige Verluste, die aufgrund der Umsetzung der Gedanken oder Ideen entstehen. Hörtipps: Für alle, die noch mehr wissen wollen: Holger Zschäpitz können Sie jede Woche im Finanz- und Wirtschaftspodcast "Deffner&Zschäpitz" hören. +++ Werbung +++ Du möchtest mehr über unsere Werbepartner erfahren? Hier findest du alle Infos & Rabatte! https://linktr.ee/alles_auf_aktien Impressum: https://www.welt.de/services/article7893735/Impressum.html Datenschutz: https://www.welt.de/services/article157550705/Datenschutzerklaerung-WELT-DIGITAL.html

Erfahre hier mehr über unseren Partner Scalable Capital - dem Broker mit einem der besten YouTube-Kanäle zu Aktien & Investments. https://www.youtube.com/@scalable.capital/videos Fresenius Medical Care crasht nach schwachen US-Zahlen. Shopify wächst 30%, enttäuscht aber beim Ausblick. PayPal baut 4.500 Jobs ab. Intel steigt 10% auf Apple-Gerüchte. HSBC verliert wegen Betrugsfall. UniCredit mit Übernahmeangebot für Commerzbank. AB InBev verkauft wieder mehr Bier. Vodafone hat größten UK-Anbieter. Adidas (WKN: A1EWWW) bricht Marathon-Rekorde und das Running-Segment wächst 30%. Retro-Hype flacht ab, aber CEO Gulden baut mit Adizero ein neues Franchise auf. KGV bei 17. Dazu steht die Fußball-WM an. Nikotinbeutel boomen in den USA. Philip Morris (WKN: A0NDBJ) dominiert mit ZYN. Turning Point Brands (WKN: A2AKAM) greift mit zwei jungen Marken an, und wächst stark durch Ex-Fox-News-Moderator Tucker Carlson. Aber die Behörde FDA bleibt ein Risiko. Diesen Podcast vom 06.05.2026, 3:00 Uhr stellt dir die Podstars GmbH (Noah Leidinger) zur Verfügung. Learn more about your ad choices. Visit megaphone.fm/adchoices

The U.S.-Iranian ceasefire agreement is in danger of falling apart after Tehran targets ships in the Strait of Hormuz. The flare-up sees the UAE also engage Iranian missile and drone fire. Unicredit hikes its guidance after delivering its highest quarterly profit ever. Investor focus is now on the Italian lender's tender off for Commerzbank due from 11am today. CEO Andrea Orcel tells CNBC he has made his intentions clear to Commerzbank shareholders. HSBC Q1 profit comes in relatively flat at $9.4bn, saying it expects credit losses. However CFO Pam Kaur tells CNBC she remains unfazed by the nature of the bank's credit trends. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

US President Trump said the war could go on for another two to three weeks; time is not of the essence.US officials say the military is closer to resuming combat operations than 24 hours ago, Fox reported.Iranian Foreign Minister Araghchi posted, "As talks are making progress with Pakistan's gracious effort, the US should be wary of being dragged back into a quagmire by ill-wishers. So should the UAE."RBA announcement saw a near-unanimous vote to hike the Cash Rate, coupled with the net hawkish statement, which highlighted inflation concerns from the ongoing Iranian war.European equity futures point to a lower open, with the Euro Stoxx 50 future down 0.2% after cash markets fell 2.2% on Monday.Looking ahead, highlights include Swiss Inflation (Apr), US Building Permits Final (Mar), Canadian Balance of Trade (Mar), Canadian PMI (Apr), US PMI Final (Apr), US ISM Services (Apr), US JOLTS (Mar), US New Home Sales (Mar), US RCM/TIPP Economic Optimism (May), New Zealand Unemployment Rate (Q1). Speakers include RBA's Bullock, ECB's Lagarde, Lane, Fed's Bowman, Barr. Supply from Germany. Earnings from AMD, AMC, Strategy, Tempus AI, Shopify, PayPal, Pfizer, HSBC, Leonardo, and Infineon.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

En Capital Intereconomía seguimos la apertura del Ibex 35 y de las principales bolsas europeas, con el foco en el dato de empleo y en la temporada de resultados. El dato de paro de abril lo analiza Valentín Bote, director de Randstad Research, que pone el acento en la evolución del mercado laboral y en su impacto sobre la economía en un contexto de desaceleración. En el análisis de mercados, Pablo García, director de DIVACONS-Alphavalue, destaca la debilidad del sector turístico y de aerolíneas, muy afectado por el cierre de espacios aéreos, el encarecimiento del combustible y la incertidumbre. Frente a ello, subraya que la temporada de resultados está siendo muy sólida, con energía y tecnología liderando. Entre los valores, resalta el buen tono de Palantir Technologies, con subidas en after hours tras superar expectativas, mientras HSBC cae por el aumento de costes. También destaca el movimiento estratégico de Amazon con su nuevo servicio logístico para competir con UPS y FedEx, y los sólidos resultados de Anheuser-Busch InBev, impulsados por el crecimiento de sus principales marcas. Terminamos la hora con el consultorio de bolsa junto a Javier Alfayate, gestor de fondos, que responde a las dudas de los oyentes en un entorno de mercado condicionado por la geopolítica y los resultados empresariales.

Bitcoin holds near $79K as Kraken's parent completes a landmark $550 million acquisition of Bitnomial to gain full CFTC derivatives capabilities. Strategy pauses Bitcoin purchases ahead of earnings, while North Korean terrorism victims obtain a court order to seize $71M in Arbitrum-frozen Kelp DAO ETH. Ethereum ETFs see continued inflows, XRP Ledger emerges as a $3.6B tokenized energy hub, and fake HSBC stablecoin scams are spreading. Markets remain cautious but supported by institutional developments and regulatory progress. Hosted on Acast. See acast.com/privacy for more information.

George Tsilis breaks down the top movers after Monday's opening bell, highlighting key analyst calls and major headlines driving price action.Bernstein raises its price target on Sandisk (SNDK) to $1,700, while HSBC downgrades AMD ahead of earnings. Plus, a look at Berkshire Hathaway (BRK.B) reporting its first quarterly results following Warren Buffett's retirement.George Tsilis breaks down the top movers after Monday's opening bell, highlighting key analyst calls and major headlines driving price action.Bernstein raises its price target on SanDisk (SNDK) to $1,700, while HSBC downgrades AMD ahead of earnings. Plus, a look at Berkshire Hathaway (BRK/B) reporting its first quarterly results following Warren Buffett's retirement.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Prathik Roy is Product Director for Data and AI Solutions at Springer Nature, one of the world's largest academic publishing companies. A quantum chemist and material scientist by training, he spent years in R&D before gravitating towards product management — and has spent the past 12 years helping publishers understand the value locked inside their content. In this episode, Prathik makes the case that publishers are sitting on some of the most strategically valuable data in the world, and that most of them are only beginning to understand what that means in the age of AI.In this episode, we cover:(00:00) Introduction: from quantum chemistry to product management (05:00) The Schrödinger problem: why content value is increasingly unknowable (08:00) How traditional publishing metrics worked — and why they broke (11:30) The ChatGPT moment and its impact on scientific publishing (15:00) Paywalls, subscription models, and the shift to data licensing (21:30) How scientific content earns its quality — and why AI cannot just follow the citations (26:00) Why AI developers want bullet points — and what that means for content structure (29:00) New monetisation models: tokens, outcomes, and data as a service (33:00) Rights management: rights in, rights out, and why the prohibited section matters (36:30) Measuring content value when your users live inside AI systems (38:00) What to do with your content archive: extraction, licensing, and prediction marketsOur HostsLily Smith enjoys working as a consultant product manager with early-stage and growing startups and as a mentor to other product managers. She's currently Chief Product Officer at BBC Maestro, and has spent 13 years in the tech industry working with startups in the SaaS and mobile space. She's worked on a diverse range of products – leading the product teams through discovery, prototyping, testing and delivery. Lily also founded ProductTank Bristol and runs ProductCamp in Bristol and Bath.Randy Silver is a Leadership & Product Coach and Consultant. He gets teams unstuck, helping you to supercharge your results. Randy's held interim CPO and Leadership roles at scale-ups and SMEs, advised start-ups, and been Head of Product at HSBC and Sainsbury's. He participated in Silicon Valley Product Group's Coaching the Coaches forum, and speaks frequently at conferences and events. You can join one of communities he runs for CPOs (CPO Circles), Product Managers (Product In the {A}ether) and Product Coaches. He's the author of What Do We Do Now? A Product Manager's Guide to Strategy in the Time of COVID-19. A recovering music journalist and editor, Randy also launched Amazon's music stores in the US & UK.

Send us Fan MailIs the era of just managing Parkinson's symptoms finally coming to an end?In this clip from our episode “How AI Is Helping The Fight Against Parkinson's”, host David E. Williams and guest Gene Mack, CEO of Gain Therapeutics, share why the early signals from their lead drug candidate are too compelling to ignore.Listen to the full episode here

When you see new tech, the first questions are often about safety and control. The focus should be on building critical infrastructure that doesn't just look "shiny" but actually addresses cybersecurity and scalability needs. Learn how to solve the problems of today while preparing for the future.

In this episode of The Confessional, Roger Mitchell sits down with Giles Morgan to explore a lifetime at the sharp end of sports sponsorship — from wielding HSBC's global checkbook to reinventing himself as the Sponsorship Doctor. Giles reflects on how his Hong Kong glory years brought lasting regret of choosing career over time with his children, and the humbling reset that followed.  He also lays out a lifetime's thoughts on sponsorship: why perimeter boards and AVE were always the wrong north star, how true value lies in “tribe-to-tribe” relationships between brands and fans, and why the Lions–Howden partnership should be seen as a playbook for data-led, emotionally honest activation rather than just logos on shirts.  Brought to you by Lockeroom.

A.M. Edition for April 24. Twin shortages of fertilizer and fuel in the wake of the Iran war are spooking consumers across Asia and raising fears of weak harvests. But as HSBC's Frederic Neumann tells us, the effects of rising food prices are likely to spread around the world and linger well into 2027. Plus, U.S. authorities charge a U.S. soldier who took part in the operation to capture Nicolás Maduro with using classified information to earn more than $400,000 on Polymarket. And Intel shares surge more than 20 percent in off hours trading, as the chip maker beat earnings estimates. Luke Vargas hosts. Sign up for the WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Our Steve Liesman reports the latest regarding the Powell probe while former Dallas Fed President Richard Fisher weighs in on what it means for the Fed and market confidence. Warren Pies of 3Fourteen Research lays out a bold call: upgrade equities, downgrade bonds and stay long oil. The episode also examines how geopolitical tensions are showing up in corporate earnings. Companies like Procter & Gamble warn of rising commodity costs and growing profit pressure tied to global instability. Adam Crisafulli of Vital Knowledge previews what he calls the most important week of earnings and explains what investors should watch. Intel takes focus as a stock of the week. Frank Lee of HSBC explains why he upgraded the name ahead of earnings—and its more than 20% jump higher. Our Angelica Peebles breaks down new GLP-1 prescription data and the growing valuation gap across healthcare as the weight loss drug market continues to evolve. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send us Fan MailFor decades, Parkinson's patients have been offered only symptom management. No drug has ever slowed the disease itself. A small clinical stage biotech may be about to change that.Gene Mack, CEO, Gain Therapeutics joins host David E. Williams to discuss the science behind a potential first disease modifying therapy for Parkinson's, how AI is accelerating drug discovery, and what it takes to build a biotech in one of the toughest capital markets in years.

Digital Asset's CEO faces pointed questions about Canton's core claims and admits something surprising about the network's architecture. ======================================================== As Bitcoin's application layer, Citrea gives you access to the first trust-minimized BTC on a fully programmable platform and a native stablecoin for Bitcoin, ctUSD.  You can now participate in Bitcoin capital markets with lending, privacy, payments, Bitcoin yield, trading and predictions. You get expanded Bitcoin utility without sacrificing its security.  Citrea mainnet is live. Put your BTC to work at citrea.xyz/unchained.   Ether.fi is giving Unchained listeners 15% cashback on food and ride apps — and that's on top of the 3% you get on everything else.  Your bank is charging you to use your own money. Laura switched and loves her card! Go to ether.fi/unchained to claim your offer. ======================================================== Canton is the chain behind JPMorgan's deposit token, DTCC, Broadridge's $400 billion repo book, HSBC, Visa, and a growing roster of the biggest names in global finance. It describes itself as a public permissionless blockchain. But is it?  Yuval Rooz, co-founder and CEO of Digital Asset, faces off against Alex Gluchowski, co-founder and CEO of Matter Labs, and Dragonfly managing partner Haseeb Qureshi in a live debate.  The charges range from foundational: Canton cannot enforce financial rules without a trusted third party, its validators are permissioned in everything but name, and there is no universally shared ledger. Rooz fires back on all of it and, at one point, concedes something that may surprise you.  If the label matters as much as the technology, this episode will force you to decide what blockchain actually means, and whether that answer has consequences for the institutions staking their infrastructure on it. Host: ⁠⁠⁠⁠Laura Shin⁠⁠⁠⁠, Host / Unchained Guests: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Yuval Rooz: Co-Founder & CEO, Digital Asset Haseeb Qureshi: Managing Partner, Dragonfly Alex Gluchowski: Co-Founder & CEO, Matter Labs Learn more about your ad choices. Visit megaphone.fm/adchoices

Martin Eriksson is a Product Leader, Co-founder of Mind the Product and ProductTank, and Author. His new book, The Decision Stack, offers a mental model for connecting every layer of organisational strategy — from vision to the decisions teams make every single day.We discuss:— Why 95% of employees cannot name their organisation's strategy — and what that costs— The five questions every company must be able to answer, from vision to principles— Why strategy is the most commonly missing layer in the stack, and why exec teams are often reluctant to fill it— How to challenge upwards and surface strategic gaps without calling leadership out— Why empowering teams without context sends them running in every direction— How principles — not values — are the tool that eliminates recurring debates— The "this or that" technique for making trade-offs visible across a team— Why you cannot communicate strategy often enoughChapters— 00:00 Introduction— 01:11 Martin's background in product— 02:19 The origin of The Decision Stack— 03:44 The five questions the stack answers— 04:27 Why strategy is most often missing or unclear— 08:18 Who should be making strategic decisions— 09:44 Time horizons: how long should strategy last— 11:43 Using the decision stack in practice— 13:36 How to surface gaps from lower in the organisation— 16:01 Why context is the prerequisite for empowerment— 19:32 How the stack reduces decision-making overhead— 21:04 Language, frameworks, and avoiding rigidity— 23:43 Where to start: top-down or bottom-up— 26:34 Fractal stacks and scaling across teams— 28:44 Strategy for maintenance work and existing products— 31:41 The role of principles at the foundation of the stack— 33:38 How principles emerge — top-down and bottom-up— 37:07 The "this or that" technique for surfacing trade-offs— 39:26 Communicating strategy continuously across the organisation— 43:34 The most common mistake when getting startedFeatured linksThe Decision Stack — Martin's new book: https://www.thedecisionstack.com/The trade-off poll tool mentioned in the episode: https://thisorthat.thedecisionstack.com/ProductTank: Martin Eriksson on LinkedIn: https://www.linkedin.com/in/martineriksson/HBR: The Office of Strategy Management — source of the 95% statistic cited in the episode: https://hbr.org/2005/10/the-office-of-strategy-managementOur HostsLily Smith enjoys working as a consultant product manager with early-stage and growing startups and as a mentor to other product managers. She's currently Chief Product Officer at BBC Maestro, and has spent 13 years in the tech industry working with startups in the SaaS and mobile space. She's worked on a diverse range of products – leading the product teams through discovery, prototyping, testing and delivery. Lily also founded ProductTank Bristol and runs ProductCamp in Bristol and Bath.Randy Silver is a Leadership & Product Coach and Consultant. He gets teams unstuck, helping you to supercharge your results. Randy's held interim CPO and Leadership roles at scale-ups and SMEs, advised start-ups, and been Head of Product at HSBC and Sainsbury's. He participated in Silicon Valley Product Group's Coaching the Coaches forum, and speaks frequently at conferences and events. You can join one of communities he runs for CPOs (CPO Circles), Product Managers (Product In the {A}ether) and Product Coaches. He's the author of What Do We Do Now? A Product Manager's Guide to Strategy in the Time of COVID-19. A recovering music journalist and editor, Randy also launched Amazon's music stores in the US & UK.

With war across the Middle East still raging, Formula 1 has a three week break before the seasons resumes in Miami. So we take this week to chat about some slivers of news and answer your emails. SHOW NOTES Sky's interview with BOT about his house VER and friends playing Arc Raiders The parody advertisements of Mario Kart 64 New Yorker article about HSBC (and Switzerland, by extension) Oh hello there, I'm Don Bradman The similarity between Irish and Jamaican accents Support the show on ⁠⁠Patreon⁠⁠ and get all our bonus episodes! Follow us on ⁠⁠the socials⁠⁠ Email us at shiftf1podcast@gmail.com Join our ⁠fantasy league⁠ with invite code C8YVREIUT10 New to F1? Check out our ⁠⁠primer episode Learn more about your ad choices. Visit megaphone.fm/adchoices