Podcasts about HSBC

Wealth management is not merely about safeguarding or growing assets today — it is about laying the foundation for the future. What may appear to be local decisions, such as investing in real estate, education, or capital allocation, are increasingly shaped by global dynamics.This is precisely where international financial institutions play a critical role. With deep expertise and far-reaching networks, they provide the insights, tools, and strategies that empower asset owners to manage resources effectively while creating lasting value in an interconnected world.In today's podcast, host Hao Tran will be joined by two distinguished guests to share practical perspectives on this subject: Mr. Manpreet Singh, Interim Head of International Wealth & Premier Banking at HSBC, and Ms. Nguyen Thi Thuy Son, Deputy Managing Director and Head of Wealth Management.---Listen to this episode on YouTubeAnd explore many amazing articles about the pioneers at: https://vietcetera.com/vn/bo-suu-tap/vietnam-innovatorFeel free to leave any questions or invitations for business cooperation at hello@vni-digest.com

Tune in to our FINAL EPISODE of the Security Token Show where Herwig Konings, Kyle Sonlin, and guest contributor Nico Pantelis cover the industry leading headlines and market movements, including new this week's IPOs, Broadridge nearing $6T in monthly repo volume, and much more RWA news!  Due to this being our final episode, Herwig and Kyle have chosen their Company of the Year for 2025 and it's none other than Figure - a huge congratulations to Mike Cagney, June Ou, Michael Tannenbaum, and their whole team! Why did they win? Find out on The Security Token Show! Market Movements: Nasdaq Files with SEC to Trade Equities Onchain: https://www.coindesk.com/policy/2025/09/05/nasdaq-seeks-nod-from-u-s-sec-to-tokenize-stocks    Nasdaq to Invest $50M in Gemini for Custody Services and Distribution, Separate from Friday's IPO: https://www.cnbc.com/2025/09/09/nasdaq-to-invest-50-million-in-winklevoss-founded-crypto-exchange-gemini.html   Fidelity Launches Tokenized MMF $FDIT, with $202M Backing Ondo's OUSG: https://blog.ondo.finance/fidelity-unveils-onchain-money-market-fund-anchored-by-ondo-finance/    Figure IPOs at $25/Share, Upsizes from Previous Targets and Raises $787M: https://www.marketwatch.com/story/figure-technologys-ipo-pricing-a-sign-of-strong-demand-for-crypto-companys-stock-fef600d4    SEC Chair Paul Atkins Speaks on Onchain Markets Coming “Without Endless Legal Uncertainty.”: https://www.theblock.co/post/370219/sec-chair-atkins-says-onchain-capital-raising-should-come-without-endless-legal-uncertainty?_bhlid=4bb475124521c42108ddee41336376f2d26b2016    Companies in the Token Debrief Include NYC RWA Meetup, St. Cloud Financial Credit Union, Ant Digital, Cantor Fitzgerald, Black Manta Capital Partners, Canton Network, HashKey, Farmway, Solowin, AlloyX, BNP Paribas, HSBC, 21X, IXS, Archax, UBS, DigiFT, Chainlink, Hyperliquid, Ethena, Fireblocks, NexStox, Stablecoin Standard, Particula, Broadridge, Kaiko, Zelle/ Early Warning Services, BlackRock, Franklin Templeton, Binance, SEC, Sifma, Japan Financial Services Agency   ====   TokenizeThis 2025 Conference Review: https://docsend.com/v/k8bn7/tt25  STM Predicts $30-50T in RWAs by 2030: https://docsend.com/view/7jx2nsjq6dsun2b9    More STM.co Reports: https://reports.stm.co/  Join the RWA Foundation and Read the Whitepaper: RWAF.xyz  Learn More About WALLY DAO: WallyDAO.xyz    ====   ⏰ TABLE OF CONTENTS ⏰ 0:00 Introduction 0:16 Welcome 2:12 Market Movements 22:44 RWA Foundation Updates 24:53 Token Debrief 40:40 Company of the Year 2025

Episode 491 / Peter FunchBorn 1974 in Denmark Peter Funch currently lives and works in Paris, France. He lived in New York for 13 years as a photographer. Funch graduated as a Photojournalist from the Danish School of Journalism in 1999 and combines the social commentary with a cinematic style. His still and motion work often combines storytelling with a perceptive social commentary in a cinematic visual language. He is working internationally with exhibitions, books, editorial and advertising clients alike, combining his technical perfection with a touch of his Nordic calmness and dry humour. Worked with international clients like IKEA, Sony, HSBC, Whitney museum. He has published seven monographs, where Babel Tales and 42nd and Vanderbilt, picturing routines and rituals in the public sphere in New York City. Recent exhibitions include Tomorrow and Tomorrow and Tomorrow, DAC, Cph, DK (2025), The Imperfect Atlas, Fotografisk Center, Cph (2024), DK, 42nd And Vanderbilt, Vevey, Swiss (2020),  A History of Photography: Daguerreotype to Digital, Victoria & Albert Museum, London, United Kingdom (2018), In 2018, Funch received The Art, Design and Architecture Award of the Year, Dir. Einar Hansen and wife Vera Hansen Foundation for 42nd and Vanderbilt. 

Discover how India is redefining global treasury strategy. TMI's Eleanor Hill speaks with HSBC's Aditya Lakhanpal and Mohit Agarwal to share essential insights for treasurers navigating rapid change in one of the world's fastest-growing markets. From UPI's instant payments and the digital rupee to GIFT City's rise and ESG integration, this episode explores the opportunities and challenges reshaping cash, liquidity, and risk management.

Crypto News: SEC pushes back decisions on Bitwise Dogecoin ETF, Grayscale Hedera HBAR ETFs to November. US Senate Democrats offer competing framework for crypto market structure. Ripple is expanding its partnership with BBVA.Show Sponsor -

In this episode of The Product Experience, Lily Smith speaks with Sally Foote, a seasoned product leader whose journey from product roles to C-suite commercial leadership spans Carwow, Go Compare, and The Guardian. They unpack the increasingly vital intersection between product, marketing, and sales.Sally explains why growth is a shared responsibility, how product managers can become commercially fluent, and why understanding marketing economics is now critical. Expect actionable advice on working across functions, owning growth levers, and designing products that fuel acquisition and retention. Whether you're in B2B or B2C, there's something in here for every product leader looking to elevate their commercial impact.Key Takeaways:— Modern product managers must understand marketing funnels, ROI, and acquisition costs to create scalable impact.— Propositions beat PPC: In saturated digital channels, differentiation must come from product innovation.— Stop the handoffs: A strict separation between product, marketing, and sales creates missed opportunities and inefficiencies.— Product roadmaps matter to the business: While sometimes shunned by PMs, roadmaps help align and activate sales and marketing functions.— Product marketing isn't enough: What's needed is cross-functional growth thinking—not just better product copy.— B2B is a rich source of insights: Embedding PMs in sales cycles and advisory panels unlocks product innovation directly from the source.— AI is reshaping go-to-market: From focus groups to pricing strategies, machine learning is changing how teams make commercial decisions.— Your funnel is only as good as your data: PMs should design products with marketing data needs in mind to drive better acquisition performance.Featured Links: Follow Sally on LinkedIn | YourRoom AI focus group | Carwow | Watch Sally's 'Maximum Possible Products' talk at #mtpcon London 2019 | Sustainable living made easy with Bower Collective 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.

The biggest employer in Australian banking has a new boss – and he’s shaking things up. Today, meet Nuno Matos: the cost-saving crusader they call ‘Nunogeddon’. Find out more about The Front podcast here. You can read about this story and more on The Australian's website or on The Australian’s app. This episode of The Front is presented by Claire Harvey, produced by Kristen Amiet and edited by Lia Tsamoglou. Our team includes Tiffany Dimmack, Joshua Burton, Stephanie Coombes and Jasper Leak, who also composed our music. See omnystudio.com/listener for privacy information.

In this episode of B2B Marketing: The Provocative Truth, Benedict explores a striking paradox with Nicole German, Global Chief Marketing Officer for Corporate and Institutional Banking at HSBC. His challenge is that despite having unprecedented amounts of customer data, many B2B organisations seem further away from truly understanding their clients than ever before.Nicole refutes this assumption, articulating that the real opportunity lies in moving beyond raw data to decode the signals it creates. She reveals how HSBC transforms the complexity of multiple personas across multiple regions into meaningful client insights, turning data into actionable insights that drive trust and deepen relationships.They discuss the evolution from campaign-driven marketing to always-on client engagement, why understanding business context matters in addition to having brilliant creative ideas, and how a global financial services giant moved the needle on share of voice from market insight to a podium position in just eight weeks during a period of trade uncertainty.Highlights:02:03 – With data comes signals and opportunity05:40 – Managing personas across multiple regions and cultures07:03 – Moving from campaign mentality to always-on optimisation09:59 – The trade report that moved HSBC from 8th to 3rd in share of voice14:16 – Know me, value me, service me: the client centricity framework18:16 – Why great marketing ideas mean nothing without business sponsorship21:46 – Balancing brand consistency with personalised relevance26:22 – How global brands avoid tension between local and global messaging Tune in to discover why signals matter more than data, and how speed can be your competitive advantage in client centricity. Subscribe now and never miss an episode that challenges the status quo of B2B marketing. Listen to more episodes at www.alan-agency.com/podcast Hosted on Acast. See acast.com/privacy for more information.

In this inaugural episode of the Web3 Marketing Association Podcast, hosts Dave Wallace and Suresh Balaji are joined by Chris Clark, former Group Head of Marketing at HSBC, to reflect on the lessons of Web1 and Web2 and explore what Web3 means for marketers.Suresh introduces the mission of the Web3 Marketing Association: to help marketers navigate a future shaped by decentralisation, community ownership, and new models of engagement. He outlines how Web3 could upend traditional marketing tools—cookies, platform partnerships, and first-party data—while opening new opportunities for co-creation, token-enabled loyalty, and gamified brand experiences.Chris draws parallels with past seismic shifts, comparing today's transition to the moment humanity moved from barter to money. He recalls the early awe of Web1 (“changing a car's colour on a Land Rover website”) and the mobile revolution of Web2, before stressing that Web3 has the potential to rebalance power away from corporations and towards communities. For him, marketers must be the bridge between customers and corporations—representing users in boardrooms and shaping rather than passively receiving the next internet era.The conversation ranges from the role of gaming and digital ownership to the impact of Web3 on sustainability, healthcare, and education. Both Chris and Suresh emphasise the importance of doing, not just observing—encouraging marketers to experiment with wallets, NFTs, and DAOs to gain first-hand understanding.This episode sets the tone for the series: Web3 is not just a technology shift but a cultural one. Marketers have a rare opportunity—and responsibility—to shape a more democratic, customer-centred digital future.

One of the world's largest banks is rewriting its playbook for talent. A decentralized model was slowing down decision-making, so HSBC brought talent acquisition and management together under one strategy. The shift is giving leaders a clearer view of skills across the enterprise, improving succession planning, and connecting employees to growth opportunities. Noel Brown, Global Head of Enterprise Talent at HSBC, joins The New Talent Code to share how HSBC is using data not just to report, but to take action by surfacing hidden skills, mapping talent to business priorities, and piloting programs that create new career pathways. In this episode you'll also hear how: - Data becomes powerful when translated into action, not just dashboards. - Change management works best when employees and managers see immediate personal value. - Emerging talent brings fresh skills and perspectives critical for adapting to AI-driven change.

Join Aditya Lakhanpal, Managing Director, Corporate Sales, Markets and Securities Services, HSBC India and Mohit Agarwal, Managing Director, Head of Global Trade Solutions, India and South Asia, HSBC as they share essential insights for treasurers navigating change in one of the world's fastest-growing markets. From UPI's instant payments and the digital rupee to GIFT City's rise and ESG integration, this episode explores the opportunities and challenges reshaping cash, liquidity, and risk management.

Should you continue to lean into this record-setting rally? Morgan Stanley's Sherry Paul, JP Morgan's Meera Pandit and HSBC's Max Kettner give their takes. Plus, Evercore ISI's Julian Emanuel tells us how he is navigating the AI space right now. And, we break down YouTube's big bet on the NFL.

Tune in to this episode of the Security Token Show where this week Herwig Konings and Kyle Sonlin cover the industry leading headlines and market movements, including Inveniam's $20M investment into MANTRA, Galaxy tokenizing their GLXY shares on Superstate's Opening Bell,, & more RWA news Company of the Week - Herwig: Inveniam Company of the Week - Kyle: Broadridge   Market Movements: Galaxy Digital to Tokenize GLXY Shares Using Superstate: https://www.theblock.co/post/365662/galaxy-digital-explores-tokenizing-its-own-glxy-shares-stock-falls-on-q2-earnings Inveniam Invests $20M into MANTRA and Partners for RWA and DeFi Infrastructure, Focus on UAE and US: https://www.inveniam.io/resources/inveniam-and-mantra-announce-strategic-partnership-to-build-a-global-institutional-real-world-asset-ecosystem-anchored-in-the-uae-and-united-states Animoca Teams up WIth ProvLabs to Launch NUVA as RWA Vault Marketplace Using YLDS: https://www.businesswire.com/news/home/20250807794274/en/Animoca-Brands-and-ProvLabs-to-Co-Develop-NUVA-to-Accelerate-Access-to-Tokenized-Real-World-Assets-RWAs Figure Announces Draft S-1 Filing Ahead of IPO: https://www.figure.com/newsroom/announcement/figure-announces-confidential-submission-of-draft-registration-statement-for-proposed-ipo/ RealT Update Companies in the Token Debrief Include Exodus, Superstate, Asset Token Ventures, Vertalo, CodexField, EDITH, Assetera, xStocks, Guotai Junan International, HSBC, BB Prime, BounceBit, Franklin Templeton, CaoCao, Anchorage Digital, Standard Chartered, Animoca, HKT, Qatar Financial Center, Kaiko, Canton Network, Kaio, Centrifuge, RealFI, XRP Ledger, IVD Medical, Credefi, Vayana, Credit Agricole, CACEIS, Kriptown, Lise Exchange, HSBC, Broadridge, Ownera, HQLAx, JPMorgan, Davis Commodities, RBA, DFCRC, Stablecoin Standard, State Street ==== TokenizeThis 2025 Conference Review: https://docsend.com/v/k8bn7/tt25 STM Predicts $30-50T in RWAs by 2030: https://docsend.com/view/7jx2nsjq6dsun2b9 More STM.co Reports: https://reports.stm.co/ Join the RWA Foundation and Read the Whitepaper: RWAF.xyz Learn More About WALLY DAO: WallyDAO.xyz ==== ⏰ TABLE OF CONTENTS ⏰ 0:00 Introduction 0:16 Welcome 0:57 Market Movements 15:51 Token Debrief 32:10 RWA Foundation Updates 34:30 Companies of The Week

Your morning briefing, the business news you need in just 15 minutes.On today's podcast:(1) Prime Minister Francois Bayrou’s government will likely fall Monday, a victim of his push to chip away at France’s massive debt load.(2) Japanese Prime Minister Shigeru Ishiba said he’ll step down following weeks of calls for his departure in the aftermath of a second national election setback, setting in motion a leadership race that threatens to unnerve investors.(3) The immigration raid on a Georgia EV battery plant run by two South Korean firms has rattled Seoul, coming less than two weeks after President Lee Jae Myung’s White House meeting with Donald Trump where Korean companies pledged to invest hundreds of billions in the US.(4) OPEC+ is signaling it has the confidence to push a bold oil market strategy a little bit further.(5) Wages for new hires in the UK rose at their weakest pace in over four years, a sign that a cooling labor market is weighing on inflationary pressures, according to a survey monitored by the Bank of England.(6) Walkouts by London Underground staff have begun, forcing several main lines on the network to completely or partially shut down on Sunday ahead of the start of the work week.Podcast Conversation: Consumer Product Scents Are Getting Stronger: EssaySee omnystudio.com/listener for privacy information.

Confrontée à des droits de douane punitifs de 50% imposés par les États-Unis sous l'impulsion de Donald Trump, l'Inde a choisi de ne pas riposter frontalement. Le gouvernement de Narendra Modi déploie une stratégie intérieure : alléger la fiscalité pour soutenir la consommation et amortir le choc sur la croissance. Les nouvelles taxes américaines résonnent comme une onde de choc pour les industriels indiens. 50% sur chaque produit importé d'Inde. Ces surtaxes douanières menacent les exportations, avec à la clé des risques de baisse de la production, de suppressions d'emplois et, en bout de chaîne, d'un ralentissement de la croissance. Déjà en repli par rapport à 6,5% l'an dernier, celle-ci pourrait s'affaiblir encore. Face à cette pression, New Delhi cherche à rassurer à la fois les entreprises et les consommateurs. Une réforme fiscale pour redonner du pouvoir d'achat La réponse de Narendra Modi passe par une refonte de la taxe sur les biens et services (GST). Actuellement structurée en quatre tranches – 5%, 12%, 18% et 28% – et jugée lourde administrativement, elle serait simplifiée en deux paliers : 5% pour les biens essentiels et 18% pour la majorité des autres produits. Avec moins de paperasse pour les entreprises et des prix allégés pour les ménages, le gouvernement espère un effet de relance rapide. Les économistes estiment que cette réforme pourrait ajouter 0,6% au PIB, soit plusieurs dizaines de milliards de dollars. Mais elle priverait l'État d'au moins 16 milliards de dollars de recettes fiscales annuelles, selon HSBC. Un pari fiscal et diplomatique risqué Ce manque à gagner inquiète particulièrement les États indiens, qui en supporteraient plus de 70% et réclament des compensations. Pour équilibrer la réforme, le gouvernement prévoit un taux de 40% sur les produits de luxe et de « péché » tels que le tabac ou les voitures haut de gamme. Au-delà de la relance interne, cette politique vise aussi à attirer des investissements étrangers indispensables au développement du pays. Reste que ce pari fiscal est risqué : il engage l'équilibre budgétaire, institutionnel et diplomatique de l'Inde, et pourrait influencer sa place sur la scène mondiale dans les années à venir. À lire aussiDroits de douane: les produits indiens désormais taxés à 50% à leur entrée aux États-Unis

The UK Investor Magazine was thrilled to welcome Thomas Moore, Fund Manager of Aberdeen Equity Income Trust, to discuss the trust's award-winning strategy and approach to achieving a high yield with a UK equity income mandate.The trust has earned AIC Dividend Hero status and won Best Income Trust at the Online Money Awards. The trust is among the best performing AIC equity income trusts over the past 52 weeks on a NAV growth basis while maintaining an attractive 6% yield.Find out more about Aberdeen Equity Income Trust here.The conversation begins by exploring Moore's distinctive approach to UK equity investing and what sets Aberdeen Equity Income Trust apart from its peers. We delve into the trust's index-agnostic approach to portfolio construction and how it enhances the trust's payouts.Thomas provides his view on the current UK political environment and the implications for UK shares.Financials dominate the trust's portfolio, Thomas explains the attraction of the sector and what the future holds. We explore portfolio companies including HSBC, BP, Coats and Ithaca Energy. Thomas also provides his view on the housebuilders. Hosted on Acast. See acast.com/privacy for more information.

Product decisions built on daily-active metrics fall apart when your customers show up once a year, or once a decade. In this episode, Randy Silver talks to Vivek Kumar about building and growing low-frequency products, from property and tax to jobs and dating. Chapters04:25 — What makes a product “infrequent”? Episodic use and recall decay07:05 — Rethinking PMF: penetration and market share over retention curves10:36 — When iteration is slow: prioritising problems under seasonal cycles14:28 — BELT framework: behaviours, enduring vs transient problems, lock-ins21:56 — Spotting enduring problems: “what will still matter in 10 years?”24:11 — ICE framework overview for infrequent products26:03 — Engagement: active retention, complexity, single- vs constant-touch29:55 — Predictable vs unpredictable retention; referrals as a strategy31:06 — Lifetime retention: seeding frequency hooks (e.g., estimates, salary data)33:01 — Distinctiveness and brand: why CAC collapses when you own the memory33:48 — Control over experience: monetisation through end-to-end journeys36:13 — Research that works: ethnography, diary studies, “follow-me-home”40:22 — Example: discovering the real tax filing pain (document collection)43:04 — Ethics and value: “cures vs treatments”, utility vs entertainment productsFeatured Links: Follow Vivek on LinkedIn | Atlys | The Steps 'Grow and managOur 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.

O Instituto Federal de São Paulo (IFSP) é um dos maiores polos de ensino, pesquisa e inovação do país, com impacto direto na formação de jovens e no desenvolvimento regional. No novo episódio do Podcast Canaltech, conversamos com Adalton Ozaki, pró-reitor de Pesquisa e Pós-Graduação do IFSP, sobre a trajetória da instituição, os desafios da educação técnica no Brasil e como ela pode transformar vidas e gerar inclusão social. Da robótica à inteligência artificial, passando por projetos de inovação aplicada, parcerias com empresas e iniciativas pioneiras como o fundo patrimonial GENE, a conversa mostra como o IFSP conecta conhecimento, tecnologia e impacto social. Você também vai conferir: Hackers desviam quase R$ 500 milhões em ataque ao Pix do HSBC, Samsung deve lançar celular dobrável triplo este mês, Mercado Livre entra no setor de farmácias e agita ações na bolsa,YouTube segue Netflix e aperta o cerco contra planos compartilhados, novo Audi Q5 chega ao Brasil em 2025 com motor turbo de 272 cavalos. Este podcast foi roteirizado e apresentado por Fernanda Santos e contou com reportagens de Lilian Sibila, Nathan Vieira, Emanuele Almeida, André Lourenti, Lucas Parente. A trilha sonora é de Guilherme Zomer, a edição de Jully Cruz e a arte da capa é de Erick Teixeira.See omnystudio.com/listener for privacy information.

Alex Udermann and Mark Gutierrez, farmers at the Minnesota Soil Health Coalition, join Ian Welsh to share how they and their colleagues across the state are restoring soil, cutting input costs and building resilience. They discuss the power of peer-to-peer mentorship, practical tools for soil health, and why profitability and sustainability can go hand in hand.   This interview was recorded at the recent future of food and beverage forum in Minneapolis. We'll be continuing the conversation on farmer collaboration and climate resilience at thesustainable commodities and landscapes forum in Amsterdam on 21-22 October. Join the likes of Henkel, Mars, Danone, Coca-Cola Europacific Partners, Diageo, Nestlé, HSBC, NatWest, Standard Chartered, Ferrero, Asahi and many more. Click here for information on how to get involved.

Collapsing birth rates are taking the world into uncharted territory, according to research done by James Pomeroy and HSBC. Shrinking populations from China to Europe will put unprecedented pressure on fiscal policy, but bright spots for investors still remain in the developing world.Our host, Moz Afzal:https://bit.ly/31XbkTROur guest:James Pomeroy, Global Economist at HSBChttps://bit.ly/38Y9pluEFGAM:https://www.newcapital.com/Important disclaimersThe value of investments and the income derived from them can fall as well as rise, and past performance is no indicator of future performance. Investment products may be subject to investment risks involving, but not limited to, possible loss of all or part of the principal invested. This document does not constitute and shall not be construed as a prospectus, advertisement, public offering or placement of, nor a recommendation to buy, sell, hold or solicit, any investment, security, other financial instrument or other product or service. 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Accordingly, by accepting any documentation from us prior to the commencement of or in the course of us providing financial services to you, you:• warrant to us that you are a ‘wholesale client';• agree to provide such information or evidence that we may request from time to time to confirm your status as a wholesale client;• agree that we may cease providing financial services to you if you are no longer a wholesale client or do not provide us with information or evidence satisfactory to us to confirm your status as a wholesale client; and• agree to notify us in writing within5 business days if you cease to be a ‘wholesale client' for the purposes of the financial services that we provide to you.Bahamas: EFG Bank & Trust (Bahamas) Ltd. is licensed by the Securities Commission of the Bahamas pursuant to the Securities Industry Act, 2011 and Securities Industry Regulations, 2012 and is authorised to conduct securities business in and from The Bahamas including dealing in securities, arranging dealing in securities, managing securities and advising on securities. EFG Bank & Trust (Bahamas) Ltd. is also licensed by the Central Bank of The Bahamas pursuant to the Banks and Trust Companies Regulation Act, 2000 as a Bank and Trust company. Registered office: Goodman‘s Bay Corporate Centre West Bay Street and Sea View Drive, Nassau, The ...

Stats NZ came out with the latest trade data for New Zealand - and the results show good news for exporters. Exports were up 9.9 percent in the year to June and imports were up 3.2 percent. HSBC chief economist Paul Bloxham explained further. LISTEN ABOVESee omnystudio.com/listener for privacy information.

O WhatsApp confirmou uma falha de segurança crítica que permitiu a espionagem de usuários, explorando uma brecha no sistema da Apple; Hackers desviam R$ 420 milhões do HSBC por transferências Pix; Novas regras do Pix vão facilitar a devolução de quantias roubadas em golpes; CEO da Nvidia diz que a IA ‘provavelmente' trará semanas de trabalho de 4 dias e Eclipse solar mais longo do século transformará o dia em noite durante 6 minutos em 2027.

This episode is also available as a podcast, search "Global Viewpoint" on your preferred podcast player to watch, listen, and subscribe.In this episode, Uma Bohne-Gill, Head of Institutional Sales, Asia Pacific at HSBC, sits down with Robert Watts, COO and Head of Finance, Asia Pacific at Marex, to explore the challenges and unique opportunities facing modern treasurers in today's economic climate. Discover how the treasury function is adapting and leading in the current landscape.Find out more here: https://www.business.hsbc.com/insights/facilitating-trade/the-new-protector-treasurers-strategic-advantageThis episode was recorded on the sidelines of the HSBC Asia Credit Conference 2025. Find out more here:https://www.business.hsbc.com/en-gb/campaigns/asia-credit-conferenceDisclaimer: Views of external guest speakers do not represent those of HSBC.

Rates & Fed Policy: Markets are overly optimistic on rate cuts; inflation remains sticky, keeping the Fed cautious (DeepMacro).Equity Positioning: Systematic funds are heavily tilted toward equities, with allocations at or near record highs (MenthorQ).China Equities: Narrowing gap between H-shares and A-shares signals opportunity; liquidity and household cash provide strong support (HSBC).Market Breadth: Short-term indicators are overbought, but long-term breadth remains healthy (Dantes Outlook).Fixed Income: Attractive yields unlikely to return to pre-pandemic lows; belly of the curve (5–6 year maturities) offers a balance of income and rate risk (Vanguard).Municipals & Credit: Municipal bonds and investment-grade credit stand out as high-quality, inexpensive options.Equities: Active managers struggle against the Magnificent Seven; indexing provides a strong foundation, while Industrials, Financials, and Healthcare offer selective momentum opportunities (Morningstar, Dantes Outlook).Takeaway: Stay disciplined, revisit bond allocations, and avoid overstretching for yield or risk.

How are Europe's treasurers adapting to a rapidly evolving landscape? Eleanor Hill (TMI) is joined by HSBC's Yasemin Artar and Marwan Dagher to discuss the drivers reshaping corporate priorities across the region. From regulatory change and the implications of a Digital Euro to the rising importance of FX risk management and cash flow forecasting, Europe's treasury priorities are in flux. Our guests also explore why AI and automation are moving from buzzwords to business-critical capabilities, considering what this means for the future of the industry.

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This week, Monika takes on the headline-grabbing claim that Indians need just ₹3.5 crore to retire, based on HSBC's Affluent Investor Snapshot 2025. She explains why a survey of only 1,006 people cannot give us a one-size-fits-all number for something as deeply personal as retirement. Using her three-bank-account system, Monika shows how to calculate expenses, adjust them for inflation, and arrive at a realistic corpus — one that could be far higher than the study suggests.Monika also shares practical milestones to track: 3x your annual income by age 40, 6x by 50, and 8x by 60. She stresses that retirement planning depends on lifestyle, healthcare needs, and investment choices, not arbitrary averages. With tools like SEBI's calculators and the worksheets in her book Let's Talk Money, she urges listeners to run their own numbers and avoid being misled by simplistic estimates.This week's listener questions include Raghavendra V B asking how to map multiple mutual funds to different goals without creating overlap, Amit Gujral seeking the right strategy to build a long-term portfolio for his newborn daughter, and an anonymous listener from Bangalore debating whether to prioritize home loan repayment or SIP investments.Chapters:(00:00 – 00:00) The Problem with “Rs 3.5 Crore to Retire” Headlines(00:00 – 00:00) How to Estimate Your Retirement Corpus the Right Way(00:00 – 00:00) Mapping Mutual Funds to Goals Without Overlap(00:00 – 00:00) Planning for a Child's Future While Securing Your Own(00:00 – 00:00) Home Loan vs SIP: Which Should You Prioritize?https://amzn.in/d/6gbEbrMIf you have financial questions that you'd like answers for, please email us at ⁠mailme@monikahalan.com⁠ Monika's book on basic money management⁠⁠https://www.monikahalan.com/lets-talk-money-english/⁠⁠Monika's book on mutual funds⁠https://www.monikahalan.com/lets-talk-mutual-funds/⁠Monika's workbook on recording your financial life⁠⁠https://www.monikahalan.com/lets-talk-legacy/⁠⁠Calculators⁠⁠https://investor.sebi.gov.in/calculators/index.html⁠⁠You can find Monika on her social media @monikahalan. Twitter ⁠⁠@MonikaHalan⁠⁠Instagram ⁠⁠@MonikaHalan⁠⁠Facebook ⁠⁠@MonikaHalan⁠⁠LinkedIn ⁠@MonikaHalan⁠Production House: ⁠www.inoutcreatives.com⁠Production Assistant:⁠ Anshika Gogoi

In ep 136 of “How Do You Say That?!” sponsored by britishvoiceover.co.uk, Helen Quigley joins Sam and Mark and we go from boobs and breasts to a winky read... uncovering all kinds of shenanigans! Then there's the whole slang thing - are boobies ta-tas or tay-ters like potatoes??? We have a strong debate that rather takes us away from the read!! Plus, when is a spoof not a spoof... when you have to read it seriously! A spoof spy script has us reeling... and if you've ever wondered what dough being kneaded sounds like (if the dough could talk) we reveal all!Our VO question this week is all about what a casting director is actually looking for when you audition.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 1What's the most searched for body part on porn sites? You guessed it, breasts.Here's everything we know about ‘em.Whether hemispherical, pear shaped, sagging or flat, women's breasts are pretty unique, because while all mammalian breasts produce milk for their young, humans are the only species who view tatas in a sexual context.81% of women say that having their coconuts stimulated causes or enhances sexual arousal.Script 2Yes, it is me. I have it. It was very easy. He is even more stupid than his file says. The train leaves in seventeen minutes and thirty-eight seconds. It is due to arrive in Istanbul in approximately nineteen hours and eight minutes, and then it will take approximately seven minutes and twelve seconds for me to reach a telephone. I'm sorry I can't be more precise. I must go; the train will leave in seventeen minutes and twenty three seconds. 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: Helen Quigley is a creative audio producer and voiceover. As the former she produces podcasts for independent production companies Fresh Air Production and Boffin Media, and audio drama with B7 Media both independently and for BBC Radio 4. Voice work includes explainer and corporate videos, on hold messaging and commercials - usually in her native Teesside accent! Helen's Website @Hqvoice 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

In this episode of The Product Experience, Randy Silver and Lily Smith sit down with Katja Forbes, Executive Director at Standard Chartered Bank, design leader, and lecturer, to explore the fast-approaching world of machine customers.Katja shares why businesses must prepare for a future where AI agents, autonomous vehicles, and procurement bots act as customers, and what this means for product managers, designers, and organisations.Key takeawaysMachine customers are here already. From booking services for Tesla cars to procurement bots closing contracts, AI-driven commerce is no longer hypothetical.APIs are necessary but insufficient. Businesses need to think beyond plumbing and address trust, compliance, and customer experience for non-human agents.Signal clarity matters. Organisations must make their value propositions machine-readable to remain competitive.Trust will be quantified. Compliance signals, ESG proof, uptime guarantees, and reliability ratings will replace human gut instinct.New roles will emerge. Trust analysts and human–machine hybrid coordinators will be critical in shaping future interactions.Ethics cannot be ignored. Without careful design, agentic commerce could amplify consumerism and poor societal outcomes.Practical first step. Even small businesses can prepare by structuring their product and service data into machine-readable formats.Product managers must adapt. The skill to manage ambiguity, think systemically, and anticipate unintended consequences will be central to success.Featured Links: Follow Katja on LinkedIn | Katja's website | Sign-up for pre sale access to Katja's forthcoming book 'The CX Evolutionist'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.

This episode is also available as a podcast, search "Global Viewpoint" on your preferred podcast player to watch, listen, and subscribe.Adam Bothamley, Global Head of Debt Capital Markets, HSBC, together with George Sun, Head of Global Debt Markets, Asia Pacific, HSBC, discuss fixed income market dynamics – in both the primary and secondary markets. What are the main drivers of liquidity over the next year and how the primary market supply will develop for the rest of 2025?This episode was recorded on the sidelines of the HSBC Asia Credit Conference 2025. Find out more here: https://www.business.hsbc.com/en-gb/campaigns/asia-credit-conferenceDisclaimer: Views of external guest speakers do not represent those of HSBC.

HEADLINES:♦ Spinneys Enters Kuwait Through Joint Venture with Alshaya Group♦ HSBC Cuts Wealthy Middle Eastern Clients as Lombard Odier Exits Abu Dhabi♦ Syria to Revalue Pound, Introduce New Banknotes to Restore Confidence♦ Sharjah Entrepreneurship Leader Urges Crackdown on Late SME Payments Newsletter: https://aug.us/4jqModrWhatsApp: https://aug.us/40FdYLUInstagram: https://aug.us/4ihltzQTiktok: https://aug.us/4lnV0D8Smashi Business Show (Mon-Friday): https://aug.us/3BTU2MY Lovin 10 Vote Link: https://lovin.co/lovins/?site_id=14

What exactly did chair Powell mean to convey in Jackson Hole this morning and is the market interpreting his message correctly? We discuss with the Wharton School's Jeremy Siegel, Neuberger Berman's Shannon Saccocia and Metlife Investment Management's Drew Matus. Plus, Randy Kroszner – a former Fed Governor – tells us what Powell's speech might mean for the upcoming September meeting. And, HSBC's Max Kettner helps us break down the final crucial moments of this busy trading day. 

At the EUVC Summit 2025, Stephen Lowery of HSBC Innovation Banking laid out a vision that wasn't just about capital—it was about building the infrastructure to unlock the next wave of innovation.“The future is not going to finance itself.”And the tools we need? Most of them don't exist yet.We're entering a new era—one where emerging categories like robotics, deeptech, AI hardware, and compute-intensive models demand new forms of financial support.But most of our current instruments were built for a different generation of tech.Stephen reminded us of the pre-SaaS era, when software businesses lived and died by upfront license fees. It wasn't until financing models evolved that subscription software (and eventually SaaS) could flourish.“Just like we innovated in software 20 years ago, we need to do the same now—in hardware, robotics, and beyond.”Stephen called for three key building blocks:Blended Capital→ Mix long-term venture equity with creative debt structures→ Pair revenue-based financing with contract support→ Add credit insurance into the mixCategory-Specific Models→ Think robot-as-a-service, compute-as-a-service→ Let hardware businesses monetize more like software onesCollaboration→ VCs, banks, LPs, and operators need to co-build→ “Let's do more than finance innovation—let's finance the infrastructure that enables it.”Stephen's message wasn't just for investors. It was for architects—those willing to help engineer the future of capital itself.“We need to work together in partnership to build the tools that will finance the industries of tomorrow.”Finance is no longer a back-office utility. It's a frontline enabler of innovation.And if we want European ventures to lead the next wave—we need to start building the financial rails today.The Problem: Our Financial Stack Is OutdatedWhat We Need: Purpose-Based Financing for a New AgeA Call to Builders (Not Just Founders)

In this episode of The Product Experience, Lily Smith and Randy Silver are joined by Kirsten Mann, former CPO at Prospection and now startup founder and board member, to discuss how product leaders can play a vital role on company boards. Drawing from her own board experience and a research series interviewing founders and directors, Kirsten explains why product, culture, and customer insight must be central to boardroom conversations.Key Takeaways— Product's Place on Boards: Product is a strategic lever, boards should treat it with the same seriousness as financials.— Culture as a Strategic Asset: Culture emerged as the most frequently cited factor in board-level success—more than AI or tech.— From Operator to Overseer: Transitioning to a board role requires stepping back from execution and focusing on governance and strategic guidance.— Communicating with Boards: Product leaders must avoid jargon, speak in terms of customer problems, outcomes, and investment returns.— The Risk of Exclusion: If your product team isn't presenting to the board, that's a red flag.— Practical Preparation: Aspiring board members should build financial literacy, start with non-profit boards, and cultivate visibility through writing or public speaking.Chapters00:00 – Culture over strategy: Why getting culture right matters more than clever planning00:45 – Meet Kirsten Mann: Introduction and credentials01:45 – Career transition: From CPO at Prospection to board member, investor, and startup founder04:50 – Early board experience: Saving a youth club through governance and tech06:45 – Product's value on boards: Bringing customer and tech insight into strategic discussions08:00 – Oversight, not execution: Adjusting from exec roles to governance roles09:50 – Frustration sparks research: Why Kirsten began writing about product leaders on boards11:00 – Product strategy ≠ support: The board's risk-first mindset 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.

We've spent decades talking about the shift to renewables – building more wind, more solar, more clean energy capacity. And that's important. But it's also only half the story.Because once that energy is generated, what happens next is where things start to get complicated – how it's stored, how it's moved, and how much of it actually gets used. Right now, the answer to that last question is… not much. In fact, the majority of global energy still gets lost before it ever reaches an end user.This week, we're revisiting two past conversations – both of them centered on the part of the energy transition most people don't see.One looks at the massive, under-addressed problem of energy waste – and the business models turning that waste into investment-grade infrastructure. The other zooms in on large-scale battery storage and what it takes to keep a renewable-heavy grid stable.These are two very different approaches to the same problem: not just how we generate clean energy, but how we manage it after it's made. Because if we don't solve that part, the rest doesn't work.Here are the featured guests:Jonathan Maxwell, Founding Partner and CEO of Sustainable Development Capital (SDCL)Jonathan Maxwell founded SDCL with a simple observation: the world isn't just short on clean energy – it's wasting most of the energy it already has. While the market poured trillions into new renewables, Jonathan zeroed in on the overlooked half of the story: how energy is used, moved, and lost before it ever reaches the point of need.He started SDCL in 2007 as an advisory shop, designing environmental infrastructure funds for clients like HSBC and the World Bank. But by 2012, the firm became an investor, building and financing projects that cut waste, generate energy on-site, and make buildings, industry, and transport far more efficient.Today, SDCL manages $2.5 billion in assets across over 50,000 properties in 10 countries. Their portfolio spans projects from industrial heat recovery to citywide biogas and low-carbon power for data centers. The common thread is delivering cheaper, cleaner, more reliable energy, without requiring customers to put up the capital themselves.Full episodeBen Guest, the Managing Director of Gresham House New Energy Division, Gresham House Energy Storage FundBen Guest leads Gresham House's New Energy Division, home to the UK's largest battery storage portfolio. His team controls close to a quarter of the market – a position built on one core idea: if renewables are going to power the future, they need somewhere to live when the sun's not shining and the wind's not blowing.Battery storage is that missing piece. Because wind and solar don't produce power all the time. But the grid still has to stay balanced every second of every day. That's what these battery projects do – they take in power when there's too much, release it when there's not enough, and do it over and over, many times a day.Ben's team is hands-on from start to finish. They find sites near key substations, secure planning and grid connections, oversee construction, run operations, and work with optimizers to trade power for the best returns.At the time of this conversation, they were managing more than £1.4 billion, with returns well above their 10% target for two years in a row.Full episode—Connect with SRI360°:Sign up for the free weekly email updateVisit the SRI360° PODCASTVisit the SRI360° WEBSITEFollow SRI360° on XFollow SRI360° on FACEBOOK

How is the Middle East evolving as a pivotal gateway for global trade and finance? Eleanor Hill (TMI) speaks with HSBC's Karan Khanna and Hani El Khoury to explore the region's shifting treasury landscape. Our guests discuss how energy transition strategies are reshaping funding models, the rise in popularity of ESG-linked instruments, growing interest in digital and blockchain-based solutions, and how MENA's treasurers are tackling FX volatility, liquidity, and talent demands.

The Reserve Bank is widely expected to cut the OCR tomorrow, according to new reports. The OCR is currently sitting at 3.25 percent and the major banks have already been dropping their mortgage interest rates in anticipation. HSBC chief economist Paul Bloxham outlined his predictions. LISTEN ABOVESee omnystudio.com/listener for privacy information.

De acuerdo con el directivo de la empresa más importante en el sector en la actualidad, existe un sobre entusiasmo de los inversores en torno a esta tecnología. Según la encuesta Ecobici 2024, el 67% de los usuarios sistema de bicicletas públicas compartidas Ecobici, patrocinado por HSBC, recorren pedaleando la parte final del trayecto hacia sus lugares de trabajo, una integración que también promueve el cuidado al medio ambiente. Capítulo 00:25 - La IA tiene potencial de burbuja 01:48 - Ecobici y la movilidad conectada

This episode is also available as a podcast, search "Global Viewpoint" on your preferred podcast player to watch, listen, and subscribe.Sheng Wang, Head of Banks and Institutional Client Group Scale Markets from HSBC sits down with Benton Wong, the Vice President, Head of Sales & Marketing from Bond Connect Company Limited, to discuss the development of Bond Connect since its 2017 launch. They'll cover how the program connects global investors to China's onshore bond market and latest initiatives relevant to China's market opening.Find out more here: https://www.business.hsbc.com/en-gb/campaigns/asia-credit-conferenceDisclaimer: Views of external guest speakers do not represent those of HSBC.

With Monetary Metals, you don't just hold gold, you earn a real yield on it, paid monthly in physical gold, without ever giving up ownershipYou can learn more here  http://www.monetary-metals.com/Snider/HSBC reported shocking results regarding its Hong Kong real estate loans further establishing the proportions of the credit crisis underway there. The news was, however, in line with recent developments in the city, among its banks, and with their Chinese counterparts. The reason was simple enough: all of them are suffering from the same fatal flow which the world, not just SE Asia, is in the middle of paying for. Eurodollar University's Money & Macro AnalysisReuters HSBC profit tumbles as China losses mounthttps://www.reuters.com/business/finance/hsbc-profit-tumbles-china-losses-mount-2025-07-30/Guardian https://slguardian.org/hsbc-flags-73-of-hong-kong-commercial-property-loans-as-risky-amid-market-slump/Bloomberg Hong Kong's Economy Has Two Gravity-Defying Puzzleshttps://www.bloomberg.com/opinion/articles/2025-08-11/hong-kong-interest-rates-and-housing-market-are-puzzlesBloomberg Hong Kong Property Woes Persist Despite Banks' Vote of Confidencehttps://www.bloomberg.com/news/newsletters/2025-07-01/hong-kong-property-woes-persist-despite-banks-vote-of-confidencehttps://www.eurodollar.universityTwitter: https://twitter.com/JeffSnider_EDUhttps://youtu.be/gY3Wge-v1sI

Diane King Hall talks all A.I. trade developments moving markets Friday morning. Applied Materials (AMAT) sold off more than 10% after it posted disappointing guidance and hinted at China tariff pressures. Cisco (CSCO) faced pressure of its own after HSBC downgraded the stock from buy to hold. Diane noted one bright spot in Salesforce (CRM), which got an upgrade from DA Davidson as the firm sees competition and decelerating growth already baked into shares.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe 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

In this episode of The Product Experience, Randy Silver speaks with Dariusz Dziuk, Product Lead for Music Expression at Spotify, about the origins and evolution of Canvas, the looping visuals that accompany music tracks. From early assumptions and first principles thinking to scaling and measuring marketplace success, he shares how a bold experiment turned into one of Spotify's most engaging features.Key Takeaways— Balancing Art and Science: Product management often lives between structured analysis and intuitive creativity—success lies in mastering both.— First Principles and Assumptions: Questioning defaults—like static, square cover art—can open doors to bold innovation.— Real Stakes Drive Real Creativity: Artist engagement with Canvas only truly emerged once the stakes felt genuine and public.— Marketplace Thinking: Canvas succeeded because it delivered value for all marketplace participants—creators, consumers, and the platform itself.— Innovation Through Structure: Weekly design sprints and rapid prototyping allowed Spotify's innovation lab to explore and discard ideas quickly, eventually landing on Canvas.— Scaling Insights: Measurable impact came later—higher engagement, saves, shares, and a new visual identity for music on Spotify.— Artist-Centric Focus: Prioritising the needs of the supply side (artists) can unlock cold start challenges and marketplace growth.Chapters0:00 – Marketplace Thinking at Spotify1:20 – Darius Jurek's Journey into Product2:45 – From Engineering to 0-to-1 Product Innovation4:00 – Is Product Management an Art or a Science?6:30 – The Brief: Connecting Creators and Fans8:20 – Building an Innovation Lab10:00 – Exploring Dozens of Ideas11:45 – Why Canvas Won Out13:10 – The Challenge of Validating a New Format16:00 – Questioning the Assumptions Around Cover Art19:00 – Real Stakeholder Feedback and Creative Buy-In21:00 – Marketplace Metrics of Success23:30 – Canvas and the Evolution of Music Discovery26:00 – Visual Design, Collaboration, and Artist Empowerment28:00 – Darius on Supplier-Led Product StrategyFeatured Links: Follow Dariusz on LinkedIn | Dariusz's website | Spotify | '#mtpcon @ Pendomonium 2024 Encore' recap 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.

Join host Syama Bunten for an inspiring conversation with Cate Luzio, founder and CEO of Luminary, the global platform advancing women and underrepresented talent in the workplace. Cate shares her remarkable journey from a middle-class upbringing with an FBI agent father and teacher mother to leading multi-billion-dollar corporate banking units at JP Morgan and HSBC, before launching her own company at age 44. In this candid conversation, Cate reveals how her Gen X "save, save, save" mentality and early lessons about hard work shaped her financial foundation. You'll hear about her pivotal "what's your number?" moment at JP Morgan that changed how she thought about compensation, her strategic decision to self-fund Luminary instead of raising venture capital, and how she navigated building a business through a global pandemic. This episode is a masterclass in calculated risk-taking, the power of using your own capital to maintain control, and why profitable, sustainable businesses don't need to be unicorns to be successful and impactful. Key Topics: How Gen X saving habits create entrepreneurial freedom - Learn why the "pay yourself first" mentality enables bigger life moves later The compensation conversation that changes everything - Discover how asking "what's your number?" can transform your earning potential Why self-funding beats venture capital for some businesses - Understand when using your own capital gives you speed and control advantages Building cash-positive businesses from day one - Get the blueprint for creating sustainable companies that don't rely on endless fundraising Navigating major life changes as financial catalysts - Explore how divorce and career pivots can clarify money priorities and goals The strategic advantage of being a seasoned founder - Learn why starting a business in your 40s brings networks, experience, and better judgment Smart acquisition strategies for growing businesses - Discover how profitable companies can grow through buying complementary businesses Balancing lifestyle and business reinvestment - Master the art of paying yourself appropriately while funding company growth Connect with Cate Luzio: Luminary: luminary.com LinkedIn: linkedin.com/in/cateluzio   Find more from Syama Bunten: Instagram: @syama.co, @gettingrichpod Website: syamabunten.com Download Syama's Guide to Getting Rich: www.syamabunten.com Big Delta Capital: www.bigdeltacapital.com

This is CC Pod - the Climate Capital Podcast. You are receiving this because you have subscribed to our Substack. Upgrade to CC+ for insider access & community or manage your subscription here.Disclaimer: For full disclosure, Dimitry Gershenson is the CEO of Enduring Planet, and Austin Badger is a Managing Director at HSBC, and Sherrie works as a General Manager at Climate Angels.CC Pod is not investment advice and is intended for informational and entertainment purposes only. You should do your own research and make your own independent decisions when considering any investment decision. Don't miss an episode from Climate Capital!But first: CC Network Fund, CC Syndicate, Climate Angels→ Back CC Network Fund. Large fund access with micro-fund minimums. In Q2, the fund invested in 18 companies, including Alta & LGND.→ Back CC Syndicate. SPVs with investment minimums starting at $1k.→ Join Climate Angels. Sessions w/ top investors, discounted CC Syndicate carry, community & more.In the latest CC Pod, we are featuring the most recent Climate Angels webinar, where Sherrie Totoki hosts Dimitry Gershenson, CEO of Enduring Planet, and Austin Badger, Managing Director at HSBC, to explore the often overlooked role of debt in the capital stack for early-stage climate startups. This conversation was originally part of a Climate Angels session, and we're sharing it here as a special edition of our podcast.While equity typically dominates conversations around startup financing, this episode highlights how debt can be a powerful and strategic tool to fuel growth, manage cash flow, and avoid unnecessary dilution when used wisely.They walk through different types of debt available to founders, including cash flow financing (such as receivable and contract financing) and asset-backed financing (such as equipment loans or sale-leasebacks). They emphasize that understanding when and how to raise debt, before you're in a cash crunch, is critical to maintaining flexibility and negotiating favorable terms.The conversation also touches on investor perspectives, with insights on why lenders are becoming more open to working with early-stage climate companies and what founders should know about aligning their financing strategy with both board expectations and long-term goals.They share real-world lessons, including how one company successfully used debt to finance multiple U.S. military contracts, bridging long reimbursement cycles without giving up equity.Debt is not just for later stages. It is a valuable part of the capital stack if you know how to use it. Get full access to Climate Capital at climatecap.substack.com/subscribe

La nueva reforma ferroviaria le da el control de las vías al Estado, Sheinbaum y Trump alistan un nuevo acuerdo de seguridad ante presión por aranceles y 1 de cada 3 hogares enfrentaron dificultades para comer por falta de recursos, con Mónica Alfaro y Ari Ortega00:00 Introducción01:43 Nueva reforma ferroviaria le da el control de las vías al Estado07:58 Sheinbaum y Trump alistan un nuevo acuerdo de seguridad ante presión por aranceles13:02 1 de cada 3 hogares enfrentaron dificultades para comer por falta de recursos17:49 Ruptura de vínculos en tiempos digitales: cuando lo que duele sigue en línea22:25 ¿Listo para el cine? Ecobici y HSBC te llevan a los estrenos

UK employers cut back hiring over labour and tax cost fears, and Ukraine and its European allies worry about US President Donald Trump's summit with Russian President Vladimir Putin. Plus, HSBC is weighed down by woes in the Hong Kong commercial property market, and India's huge IT sector is scrambling to counter the threat of artificial intelligence. Mentioned in this podcast:UK employers cut back hiring over labour and tax cost fearsDonald Trump to meet Putin in Alaska as he signals Ukraine may need to cede landEuropean allies back Ukraine's borders after Donald Trump floats land swap with RussiaHSBC flags 73% of Hong Kong commercial property loans as riskyIndia's IT services giants race to reinvent themselves for the AI ageToday's FT News Briefing was produced by Ethan Plotkin, Jess Smith, Sonja Hutson, Fiona Symon, and Marc Filippino. Additional help from Alex Higgins and Peter Barber. Our acting co-head of audio is Topher Forhecz. The show's theme song is by Metaphor Music.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

Episode 100: What started as a passion project has turned into a full career pivot!Four years ago, I hit record on the first episode of my podcast.I had no big plans. Just one question I couldn't stop thinking about:How do we live a good life?So I started How to Live.Shared what I'd learned.Stayed curious.Kept listening.Then something magical happened.I got a message from my old BCG boss, Dean Tong.We hadn't spoken in 15 years.He'd stumbled upon the podcast. We met.Talked about Stoicism, Buddhism, and Purpose.Then he invited me to speak at UOB Bank, where he was the Chief HR Officer.I was nervous. It was a corporate setting.I had a meditation exercise planned. Would it land?Dean said:“Don't worry. I'll take the risk. Just do your best.”That support changed everything.The talk worked.It led to more sessions. More companies.And one day I realised - this wasn't a side project anymore.It was a new path.Keynotes. Workshops. Leadership Programs.Helping leaders reconnect with purpose, reach their next peak, and navigate uncertainty with resilience.It felt meaningful.And it could pay the bills.So I took the leap.Sold my digital agency. Went all in.Today, I've led over 75 workshops across four continents with companies like Google, Unilever, HSBC, and Mastercard.And I've seen how powerful ancient wisdom can be in modern leadership.The podcast has grown beyond my wildest dreams too. Ranked in the top 3% globally and listened to in 150 countries.The lesson?When you do what you love with honesty and passion, it's infectious.People are watching. People are listening, even if they never like or comment.(Dean didn't either.)But sometimes, just one of them can change the trajectory of your entire life.

In this episode of The Product Experience, Lily and Randy dive into the nuanced world of team collaboration with Jenny Wanger, product ops consultant. Jenny challenges the overuse of RACI matrices in product teams, arguing they often obscure deeper organisational issues rather than solve them. They discuss better alternatives, the root causes behind requests for RACI, and the value of prioritising human relationships over rigid frameworks. Chapters0:00 – The accountable vs. responsible dilemma0:37 – Meet Jenny Wanger: Product ops and Reforge1:20 – RACI: A quick explainer3:16 – Why RACI falls short in product teams7:00 – Infantilisation and territorialism9:18 – The flaws in the terminology10:14 – The consulted conundrum11:05 – RACI as a conversation starter12:01 – Better alternatives: Rapid and others14:20 – When RACI might be useful18:01 – Team dysfunction and RACI misuse23:00 – A case study in resolving collaboration issues26:00 – RACI as scaffolding, not infrastructure28:02 – AI, documents, and relationships30:05 – Diagnosing the real problem behind a RACI request32:38 – Job descriptions vs. RACI35:25 – Everyone's a bit of everything37:04 – Focusing on mission and collaboration39:57 – Final thoughts and where to find Jenny's workKey Takeaways— RACI isn't a cure-all: It often signals deeper dysfunction like poor team structure, unclear mission, or lack of trust.— Healthy teams don't need RACI: When collaboration and communication are strong, formal frameworks become redundant.— Use RACI as scaffolding: Let it initiate conversations, but don't enshrine it as a permanent solution.— Language matters: Terms like “accountable” and “responsible” are often confused, making the framework less clear than intended.— Consider better alternatives: Frameworks like RAPID offer more clarity around decision-making without creating silos.— Prioritise relationships over roles: Documents don't build culture—conversations and mutual understanding do.Featured Links: Follow Jenny on LinkedIn | Jenny's RACI feature at her website | Dave Johnson's page at The Pragmatic Agilist 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 this episode of Leading Human, Chad sits down with EQ-research pioneer Joshua Freedman.Who's our guest?Joshua Freedman — co-founder & CEO of Six Seconds, the world's largest emotional-intelligence network.Why listen?Led EQ programs in 50+ countries and helped seed regional teams now serving 7 million+ learners.Author of 5 books and creator of 6 validated EQ assessments that turn “soft skills” into hard data.Partnered with brands like FedEx, U.S. Navy, HSBC, Intel, Amazon, and the UN to produce measurable gains in the people-side of performance.Co-architect of the POP-UP Festival with UNICEF World Children's Day—free EQ activities for kids worldwide.Origin story highlightsFirst discovered EQ as a teacher/administrator at Nueva School (later profiled by Daniel Goleman).Serial entrepreneur—once a licensed building contractor—and former theater stage manager/tech director.Big ideaEmotions are data, not baggage. When people realize they have agency over that data, freedom, authenticity, and purpose ignite.Expected takeawaysA simple framework to measure and grow EQ.How compassionate wisdom boosts both well-being and bottom-line results.Practical tips for weaving EQ into teams, kids' programs, and your own daily choices.

Meta's shares jumped more than 10 per cent off the back of better than expected second-quarter earnings, and the Federal Reserve held rates steady despite calls to lower borrowing rates by US President Donald Trump. Plus, American copper prices fell after Trump exempted refined materials from a 50 per cent tariff on the metal, and HSBC profits declined by 29 per cent. Mentioned in this podcast:Meta shares jump on strong results as Zuckerberg sets out ‘superintelligence' goalsFed holds rates steady despite Trump's calls for lower borrowing costsUS copper prices fall after Trump exempts refined metals from tariffs HSBC profits slide 29% on hit from China and restructuringToday's FT News Briefing was produced by Henry Larson, Sonja Hutson, and Marc Filippino. Additional help from Blake Maples, Michael Lello, David da Silva and Gavin Kallmann. Our acting co-head of audio is Topher Forhecz. Our intern is Michaela Seah. The show's theme song is by Metaphor Music.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.