Podcasts about HSBC

Cheryl Platz, Cheryl Platz, former UX Director for Riot Games, Scopely and Author of "The Game Development Strategy Guide," returns to The Product Experience to explore how video game design principles can transform product development. From her time at Riot Games and Marvel Strike Force to teaching at Carnegie Mellon, Cheryl shares hard-won lessons about player motivation, onboarding, and building products that thrive. Discover why competition is no longer the primary driver of modern gaming, how a children's game taught her about gendered design assumptions, and how she turned a catastrophic server outage into a UX win that made Reddit happy.Chapters06:03 Game development is cloud services plus filmmaking07:08 The problem with silos in game studios08:24 “Modern” games: live service, messy business models, shifting tastes09:58 Defining a game: players decide if you got it right11:41 Motivators of play and why they matter to product people12:26 Disney Friends: the moment a playtest rewrote the design17:19 Classic vs modern motivators: what technology changed20:41 The research that challenged the “games are competition” assumption22:36 Why game lessons translate to enterprise software (and where gamification goes wrong)25:19 Pro-social design: trust, safety and communities at scale28:33 Designing for companionship and shared experiences34:43 Onboarding as growth strategy, not a “nice to have”37:38 Journey mapping 100 levels: making invisible drop-off visible39:25 On-demand learning beats one-and-done tutorials41:58 Advice for people trying to break into games during layoffs44:36 Turning a sixth anniversary outage into a UX win 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.

Irma Potes, Director of Community Outreach, Grupo Mexico, Paulina Serrano, Deputy Director of Sustainability, Grupo Mexico, joins Natalie Blyth, Global Head of Sustainable Finance & Transition, HSBC and Jose Carlos Sanchez, Mexico Chief Economist, HSBC Global Investment Research, to discuss Grupo Mexico's innovative approach to sustainability transition as well as their impact on communities and the environment.This episode was recorded on 16 October 2025.Disclaimer: Views of external guest speakers do not represent those of HSBC.

Leo tumeangazia CAF kudhibitisha kuwa AFCON 2027 itaandaliwa Afrika Mashariki licha ya tetesi za kuahirishwa au kuhamishwa, uchambuzi wa raundi ya mwisho ya hatua ya makundi mechi za klabu bingwa, mechi za kufuzu kombe la dunia la wasichana U20, siku ya kwanza ya michuano ya raga ya wachezaji saba kila upande divisheni ya pili ya HSBC, mfumo mpya wa mashindano ya Tour du Rwanda, kiungo wa Ghana Thomas Partey akumbwa na shtaka jipya lakini pia michezo ya Olimpiki msimu wa baridi.

In ep 160 of “How Do You Say That?!” sponsored by britishvoiceover.co.uk, Richie Tavake joins Sam and Mark to talk about the differences between the US and UK radio commercial market and why sometimes an American script can sound cheesey in a British accent. We get savvy and become a consumer champion, and we explore ways to research scripts that you may not have thought of before. Our wildcards see us getting ecstaticly happy, very judgy and absolutely huge in stature.Our VO question this week is all about the different processes we go through when a script lands in our inbox.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 1Savvy is the UK's consumer champion. We're not here to make a profit – we're here to be a powerful force for good - we're here to protect people, challenge unfairness and make everyday life simpler and safer.We're totally independent and we don't accept freebies from anyone. We have no owners, shareholders or government departments to answer to, so we work entirely for you, the consumer - and nobody else.We stand up for what's right. And we make change happen.Script 2In the heart of every great city, there's a story to be told. At 123Property, we know that story inside and out. Since 1975, 123Property has been a driving force in the commercial real estate industry. Today, we proudly stand as one of the largest privately owned real estate firms in Manitoba. At 123Property, our success is built on our commitment to integrity, professionalism, and excellent service. We believe in succeeding by helping others succeed.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: Richie is an actor from San Francisco, CA. He started in theatre when he was still a teenager and then decided to go into voice-over work - mainly because he was such a big fan of anime and video games. From there he found a real fascination with commercials and audio dramas.Richie is known for always being a little too early - to work, events, meetings… everything - to the point that people jokingly ask him if he can be late for once.. He also loves playing chess.Richie's Website@rtavake on InstagramRichie's Facebook page 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...

Today's guest on The Long View is Sara Devereaux. Sara is the Chief Investment Officer of Vanguard Capital Management and Global Head of Fixed Income. She oversees the investment professionals responsible for portfolio management, trading, and research for Vanguard's internally managed fixed-income funds and ETFs, including actively managed bond and money market portfolios and bond index portfolios. Before joining Vanguard in 2019, Sara was a partner at Goldman Sachs, where she spent over 20 years in mortgage-backed securities and structured products trading and sales. Earlier in her career, she worked at HSBC, in risk management advisory and interest rate derivative structuring. She started her career as an actuary at AXA Equitable Life Insurance. Barron has named Sara to its annual list of the 100 Most Influential Women in US Finance every year since 2022.Episode Highlights00:00:00 Vanguard's Investing Philosophy and New Innovations00:06:20 Active Fixed-Income Strategy and the Alpha Waterfall00:13:34 ETF's Explosion, Active Management, and Private Credit Risk00:23:10 How Technology Is Reshaping the Bond Market00:29:51 Bond Market Performance 2025, Bonds as Ballasts, and Term Premiums00:37:27 Bond Market Risks in 202600:42:51 Shifting Policy Crosswinds, Cracks in Credit, and AI Capex Risks00:50:18 Technical Signals to Watch in 2026Books MentionedStay the Course: The Story of Vanguard and the Index RevolutionMore From MorningstarVanguard's Sara Devereux: Why It's a ‘Terrific Environment' for Bond IncomeSalim Ramji: The Industry Uses Complexity As a Mask to Charge MoreMorningstar's Guide to Fixed-Income InvestingIf you have a comment or a guest idea, please email us at TheLongView@Morningstar.com.Follow Christine Benz (@christine_benz) and Ben Johnson (@MstarBenJohnson) on X, and Christine Benz, Amy Arnott, and Ben Johnson on LinkedIn. Visit Morningstar.com for new research and insights from Christine, Ben, and Amy. Subscribe to Christine's weekly newsletter, Improving Your Finances.If you want more Morningstar podcasts, check out The Morning Filter and Investing Insights. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

For episode 676 of the BlockHash Podcast, host Brandon Zemp is joined by Lux Thiagarajah, CCO of OpenPayd. Lux Thiagarajah has over 17 years experience working for some of the largest and most innovative organizations in finance, including JP Morgan, HSBC, BCB and FalconX. He started his career as an FX trader at JP Morgan, before moving to the buy side to run a macro trading desk. More recently he has moved into senior roles in payments, becoming the CRO of BCB and now Chief Commercial Officer at OpenPayd. Lux joined OpenPayd with a track record for taking businesses to their next stage of development, and is responsible for driving revenue and growth from both new and existing clients, as well as and identifying strategic partnerships that can further OpenPayd's ambitions.

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This week on the KOKO Show the lads are over in the Golden West all thanks to Tourism Western Australia, sampling everything that Perth has to offer from its natural beauty, to the food and all its groundbreaking entertainment. In this episode the boys glowingly recount their time at Rottnest Island, their dinner and tour at Gage Roads Brewery, climbing Optus Stadium and all the action from the HSBC SVNS at HBF Park. Plus, the fellas do a full rugby round up as they preview week one of the Super Rugby Pacific with their tips, tricks and everything in between, as well as a full recap of round one in the Guinness Six Nations for all our NHL's.In the Second half of the episode brought to you by HSBC we are joined by two legitimate Aussie greats Alicia Lucas and Michael Hooper to talk all things HSBC, SVNS and the Global Rugby Player Foundation. With our two red polo clad legends in tow the KOKO show takes a turn as we delve into the world of life after rugby, Swoop's Temu addiction and just how excited everyone is about the 2027 Rugby World Cup. So buckle up your chin straps and remember to slip, slop, slap, slurp and slide; this episode is an absolute scorcher in the wild wild west. It is time for an all new episode of Kick Offs and Kick Ons. Hosted on Acast. See acast.com/privacy for more information.

On today's show we are talking about an office turnaround that can serve as a powerful lesson for all investors. This is a single office building in downtown Toronto, 70 York Street, and why its turnaround is one of the most practical case studies we have for navigating what many are calling the office apocalypse.It's a story about control, execution, and the discipline to create certainty in an uncertain market.Let me set the stage. 70 York is a 17-storey office building of roughly 210,000 square feet, connected to the PATH system, a well located asset in Toronto's core. It's not a brand new glass tower, it's a mid-80s vintage building with the kind of fundamentals that can still work, if you can get the leasing right. And then it lost its anchor tenant, HSBC.When a building is empty, it's tempting to cut rent to fill space. But cutting rent is not the only lever, and it's often the most destructive lever. What you want is durable tenancy, credit quality, and term length.The reported 6.8-year average lease term tells you KingSett pursued durable income. That matters for refinancing. It matters for valuation. And it matters for the eventual buyer.Which brings us to the exit.The building was sold off-market to Desjardins Global Asset Management and the Desjardins Group Pension Fund for about $134.6 million, reported at roughly a 6.5 percent cap rate and about $639 per square foot.In a world where office transactions are scarce, and capital is cautious, an off-market institutional sale tells you something. It tells you that stability, even in an office market, still has a buyer.But notice the order of operations. They didn't sell a vision. They sold certainty.-----------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1)   iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613)   Website: [www.victorjm.com](http://www.victorjm.com)   LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce)   YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734)   Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso)   Email: [podcast@victorjm.com](mailto:podcast@victorjm.com)  **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com)   Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital)   Instagram: [@ystreetcapital](http://www.instagram.com/ystreetcapital)  

Most conversations about AI implementation come from consultants selling solutions or vendors pitching tools. This one doesn't.Sean Seah is SVP of Strategy, Technology and Innovation at Langham Hospitality Group, where he's leading AI adoption across a global luxury hotel portfolio. With over two decades in digital transformation at Microsoft, HSBC, and Zuji, Sean brings a rare perspective as he's living inside the messy reality of making it actually work.What emerges from our conversation is a refreshingly practical playbook for AI implementation. Sean reveals why the "boring stuff" nobody discusses—data infrastructure, change management, measurement frameworks—determines whether AI delivers business value or not. He advocates starting small, proving value in weeks rather than years, and letting success create momentum for long term transformation.We explore how Sean balances short-term wins with long-term strategic vision, how he thinks about his AI strategy in a global context, and why luxury hospitality, with its complex blend of human service and operational efficiency offers surprisingly universal lessons for AI implementation across industries.In this episode:How Sean's approach to long term tech transformation includes the necessity that it must deliver short term value as well.Why one of Langham's first major AI investments is customer facing and how it's faringExamples of how they practically trained their AI agents and staff, andHow Sean's ensured Langhams isn't reliant on any one large language modelWhatever sector you're in, Sean's boots-on-the-ground experience offers a practical roadmap for leaders navigating the gap between AI potential and AI reality.Enjoy this episode! Useful Links:Sean Seah on LinkedinLangham Hospitality Group Hosted on Acast. See acast.com/privacy for more information.

In ep 159 of “How Do You Say That?!” sponsored by britishvoiceover.co.uk, Mike Paine joins Sam and Mark from Chicago to talk about how to approach a local market US radio commercial, switching between a serious cyber security narrator and a cartoon boss character, getting your lips round a droopy loopy tongue twister and which choices you make if you're asked to create a character on the fly. In the wildcards we find out what would happen if William Shatner auditioned as a Principal ballet dancer, or if film noir became sexy, or if your school crossing lady really was cross!Our VO question this week is all about advice and top tips for new entrants into the voice acting community.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 1Narrator: Cross-Site Scripting or XSS is what happens when a hacker manages to inject malicious javascript into your webpage.Gruff Boss presentation to the board: Think micro-scalable, robust. We practically invented the term "mega-next-generation, 24/7 global R&D".... err, what's happened here?Narrator: If you don't escape, or encode-out the javascript, then the browser will execute it as though you put it into your website.Script 2Chattanooga… get ready. Something BIG is dropping. Actually… looping. Dropping AND looping. We don't know how it works either, but it sounds cool.Introducing Chatt Droploop — the delivery app you didn't know you needed, but now won't be able to live without.Groceries? We loop it. Late-night snacks? Loop it. Forgot your wig at home and you at an event? Girl… we DEFINITELY loop that.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: Mike Paine is a Chicago based voice actor/coach/demo reel producer! During his 38+ year career the videos he's voiced have had well over 250 MILLION YouTube views and counting. He's narrated 57 audiobooks and the games he's voiced have well over a million downloads! He's also been working in network and major market radio for over 33 years - his first interview was with the late great Ozzy Osbourne!Mike's Website@themikepaineshow on InstagramMike on YouTubeResources: 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...

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En este episodio de "El Brieff", analizamos el movimiento estratégico de José Antonio Meade al frente de HSBC México en un año de utilidades bancarias históricas pero consumo estancado. Exploramos la apuesta de 180,000 millones de dólares de Alphabet en IA, el despliegue de robotaxis de Uber y la tensa calma entre Trump y Xi Jinping que oscila entre compras de soja y venta de armas. Además, desglosamos el "Project Vault", la nueva reserva estratégica de minerales críticos de EE. UU. para frenar el dominio chino.Recibe gratis nuestro newsletter con las noticias más importantes del día.Si te interesa una mención en El Brieff, escríbenos a arturo@strtgy.ai Hosted on Acast. See acast.com/privacy for more information.

Muy buenos días, HSBC nombra al exsecretario de Hacienda, José Antonio Meade, como presidente en el país; Naranja X se forma en la fila para tener licencia bancaria en México, Pemex habla sobre los envíos de petróleo a Cuba y Trump se mantiene al margen de la pelea por Warner.Patrocinado | Banco BASE, 40 años simplificando las tesorerías de México.https://www.bancobase.com/

這個冬天，邀您和我們一起，發現角落孤老人！透過陪伴、服務與實際行動，讓長輩的日常多一點安全與尊嚴，把寒冬裡的孤單，慢慢轉成有人在乎的溫暖。請與我們一起，照亮長輩生活，扭轉孤老處境： https://fstry.pse.is/8mh6xa —— 以上為 Firstory Podcast 廣告 —— 說實話，2026 上半年這些信用卡的權益變化真的快，如果你手上還在拿那種回饋不到 3% 的卡，真的可以考慮「汰弱留強」了。寶可孟這次排出的第1到5名都很有亮點：榜首給了「中信華航璀璨無限卡」，原因不是它多好刷，而是那「三年金卡會籍」太香了，只要你在2026/01/31前申請且完成金卡會籍晉升，直接幫你省下換票或搭機累積的力氣。第2名的「中信uniopen卡」則是海外實體消費的神卡，回饋衝到11%有點猛，而且2026年起不用在APP上每月1號痛苦地領券，出國帶著刷就對了。 接下來這幾張就比較看消費習慣：第3名「永豐DAWHO現金回饋卡」門檻依舊在那，往來百萬元+解理財任務，即可入手6%海外現金回饋，對於有存款、有往來的人來說還是很穩定，每月可刷2.5萬元；第4名「HSBC Live+卡」在餐飲和購物通路給到最高5.88%，換算成哩程大約8.5元一哩，每月2萬塊以內的消費都有，這比例真的高得誇張！至於第5名的「永豐 SPORT卡」，雖然今年加碼微調到3%，但只要你有在運動，加上基本回饋湊一湊還是能穩拿5%豐點，每月可刷5,000元。說到底，銀行的優惠通常撐不過一年，看到好康真的別猶豫太久，「花開堪折直須折」這句話用在卡界還真是一點都沒錯。完整解析請參考本集節目！ ➤來寶可孟YouTube頻道上收聽節目：https://pokem.me/PokemYTPodcast➤每月45元支持寶可孟創作更多優質影片｜https://pokem.me/JoinPokemYT--➤第6-10名Podcast解說：https://pokem.me/3NShW1g ➤2026上半年Top10推薦卡組解析：https://pokem.me/2026H1Recommend➤推薦第10名：#HSBC旅人無限卡｜https://lihi1.com/0tjC9➤推薦第09名： #國泰世華CUBE卡｜https://lihi1.com/JTkdp➤推薦第08名：#台新Richart卡｜https://lihi2.com/rYYVl➤推薦第07名：#玉山Unicard｜https://lihi2.com/274LI➤推薦第06名： #臺銀GreenGo ｜https://lihi3.me/e8gIr➤推薦第05名：#永豐SPORT卡｜https://lihi1.com/5Q4Tz➤推薦第04名：HSBC Live+ 現金回饋卡｜https://lihi1.com/0tjC9➤推薦第03名：#永豐DAWHO卡｜https://lihi1.com/YQoYo➤推薦第02名：#中信uniopen卡｜https://lihi1.com/zfiOH➤推薦第01名：#中信華航璀璨無限卡｜https://pokem.me/CTBCCACard-- 加入會員，支持節目： https://pokemcard.firstory.io/join 留言告訴我你對這一集的想法： Powered by Firstory Hosting

What does alignment really mean in product teams, and why does consensus often slow everything down?In this episode of The Product Experience, Lily Smith and Randy Silver are joined by Blagoja Golubovski (VP of Product, formerly at Usercentrics) to unpack one of the most persistent myths in product leadership: that good product organisations are democracies.Chapters0:00 Product leadership is not about consensus1:21 Introduction to Blagoja2:48 From engineering to product leadership4:47 What people think product leadership is5:44 Creating clarity and explicit trade-offs6:53 Why product organisations are not democracies7:54 Input vs ownership in decision-making8:24 Who is accountable for product decisions9:50 Leadership, strategy, and prioritisation10:02 How product leadership changes as companies scale12:29 Why decision-making mechanics define product culture13:27 Separating input from decisions14:59 Committees vs accountability16:16 Why alignment does not mean agreement17:29 The three levels of product decisions21:00 Diagnosing broken decision-making22:08 Environment beats individual skill23:19 What real prioritisation looks like24:46Our 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.

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 PayPal stürzt ab und feuert CEO. Novo Nordisk stürzt ab und wächst nicht mehr. Wolters Kluwer und Thomson Reuters stürzen ab wegen KI. US-Pharma war gemischt. AMD hat Zahlen. Amundi hat Rekord. Zalando hat Angst vor TikTok und Siemens Energy investiert. Bank-Aktien laufen seit einiger Zeit gut. Vor allem deutsche und US-Banken werden immer wieder genannt. Die britische HSBC (WKN: 923893) fliegt öfters unter dem Radar. Nicht bei uns. Grupa Pracuj (WKN: A3C8LG)  ist die Nummer-1-Jobbörse in Polen und will Europas führende Personalplattform werden. Dafür setzt sie auch auf die Ukraine. Das ist Chance und Risiko zugleich. Diesen Podcast vom 04.02.2026, 3:00 Uhr stellt dir die Podstars GmbH (Noah Leidinger) zur Verfügung.

The Reserve Bank of Australia has increased interest rates for the first time since November 2023, hiking the official cash rate to 3.85%. It says it now expects inflation to remain well above its 2-3% target for longer, leaving the door open for further rate increases. For more on this, Stephanie Youssef spoke with HSBC chief economist Paul Bloxham. Despite the decision, the Australian share market finished the session strong, amid a strong global stocks rebound that included a gold and silver price recovery. For more, Stephanie Youssef spoke with Mark Gardner, CEO at MPC Markets.

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The Reserve Bank of Australia started the year off with an increase set to impact mortgage holders. The RBA increased the official cash rate by 25 basis points to 3.85 percent, citing increased concerns about inflation. HSBC chief economist Paul Bloxham explained the increase further. LISTEN ABOVESee omnystudio.com/listener for privacy information.

The Reserve Bank of Australia has increased interest rates for the first time since November 2023, hiking the official cash rate to 3.85%. It says it now expects inflation to remain well above its 2-3% target for longer, leaving the door open for further rate increases. For more on this, Stephanie Youssef spoke with HSBC chief economist Paul Bloxham. Despite the decision, the Australian share market finished the session strong, amid a strong global stocks rebound that included a gold and silver price recovery. For more, Stephanie Youssef spoke with Mark Gardner, CEO at MPC Markets.

The Reserve Bank of Australia started the year off with an increase set to impact mortgage holders. The RBA increased the official cash rate by 25 basis points to 3.85 percent, citing increased concerns about inflation. HSBC chief economist Paul Bloxham explained the increase further. LISTEN ABOVESee omnystudio.com/listener for privacy information.

James Steel, chief precious metals analyst at HSBC, expects increased volatility and frequent pullbacks ahead for gold with new money coming into the market as he sees geopolitical risk as the main factor driving the metal to record highs. He speaks with Bloomberg's Alexis Christophorous and Paul SweeneySee omnystudio.com/listener for privacy information.

In this episode of CX Insider, we're joined by Monika Kashyap (HSBC) to explore how augmented AI helps teams make better decisions—and why, by 2030, commercial banking will be more proactive and personal than ever. We dig into AI-led omnichannel journeys, real-time personalisation, and what it takes to move from reactive service to proactive, value-adding CX.

Money makes the world go around, or so the saying goes. But did you know that YOUR money, might be making fossil fuel companies go round (aka fund them!), without you knowing?Do you want a few bonkers stats?- The “Big 5” UK high-street banks – Barclays, HSBC, Santander, Lloyds andNatWest – have financed the fossil fuel industry with more than $556 billion between 2016 and 2023 (1)- In 2023 alone, they provided $55 billion to fossil fuel companies (1).- For every £10 you put into your pension, £2 is invested in deforestation (2).In today's episode I'm chatting to Lisa Stanley-Mann, from Good with Money. We dive into all things money, and more specifically, the power of our money, and what it might be being used for when we think it's all tucked up nice and safe and innocently in our bank accounts or pensions.I was convinced that Lisa had been on the podcast before, but I scrolled back through the archives and couldn't see an episode, someone please correct me if I'm wrong! But Lisa and I have previously chatted ‘off air' quite some time ago as it turns out, when I hosted some podcasts for Good With Money – we got chatting about the 2016 craze that is/was sweeping the internet at the time of recording, and that I was blissfully unwaware of as I'm not cool enough! Inevitably I hopped straight onto the bandwagon pretty much as soon as my call with Lisa ended, and if you're in any way interested (it's genuinely not that interesting, so I won't be offended if you're not!), I did my own 2016 post – I'll pop a link to it below if you want to have a nose.PS. We should have said this in the chat, but hopefully it's blindingly obvious that I'm not a financial advisor, and Lisa isn't either! Do take proper professional advice before moving your money.References:(1) https://makemymoneymatter.co.uk/wp-content/uploads/2025/03/Banking-Guide-2025.pdf(2) https://makemymoneymatter.co.uk/wp-content/uploads/2025/03/Green-Pensions-Guide-2025.pdfLisa Stanley-Mann LISTEN... USEFUL LINKS:Good With Money- Website- Instagram- Facebook- The Good Egg accreditation- The Good Guides- The Good ListsMake My Money Matter- E-mail template to email your employer about their pension providerBank TrackPension BeeZeroRelated podcast episodes from the archives:- [015] - Money as a Force for Good with Triodos Bank- [091] - Make My Pension Matter - with Make My Money Matter- [169] - How green is your money - with Dan Sherrard-Smith from MothertreeBank.GreenEthical ConsumerB-CorpNaturesaveMy 2016 post on Instagram Are you going to do a bit of investigating into your money, and your current accounts and savings after listening? Or have you already moved your money? Do let me know! […]

Business and finance news from the Asia-Pacific. Apple Inc. delivered record quarterly sales and a better-than-anticipated forecast for the current period, even as the company warned that rising component costs are threatening to squeeze margins. Revenue will rise 13% to 16% in the second quarter, exceeding the 10% projected by Wall Street, driven by strong demand for the new iPhone 17, growth in services and a rebound in China. President Donald Trump said he would be announcing his pick for a nominee to chair the Federal Reserve on Friday morning, signaling an end to a months-long process that has spurred speculation over the future of the world's most powerful central bank. Trump, asked at an event Thursday evening in Washington when he would make his decision known, responded: "Tomorrow morning." Dollar Industries declined today. But there was a lot of volatility in the foreign exchange. For a closer look, we spoke to David Finnerty, Bloomberg's Rates/FX Strategist. Asia technology shares are performing better then their US Counterparts. Apple's results drove the positive sentiment across the APAC along with a flurry of earnings out of South Korea this past week. For more perspective on the AI trade, we heard from Herald van der Linde, Head of Asia Pacific Equity Strategy at HSBC. He spoke to Bloomberg's Annabelle Droulers and David Ingles.See omnystudio.com/listener for privacy information.

David Hughes, the Global People Leader for Costa Coffee (now at HSBC), discusses the company's innovative approach to hiring using AI. Costa Coffee, a global brand with over 2,000 stores in the UK, faces significant hiring challenges due to high turnover rates and the need to hire thousands of baristas annually. David explains how Costa has shifted its focus from hiring the “best” talent to finding the “best fit” talent that aligns with the company's values and culture. Using Sapia's AI chat-based assessment, Costa has built a simple 5-question open chat survey that lets Costa identify the culture, behavioral, and work skills for best fit. This process not only scales to 350,000+ candidates, it also gives each candidate a personalized assessment and is rated 9 out of 10 on netpromoter score. In other words, candidates love it! David emphasizes the importance of patience and bravery in adopting AI, highlighting the positive impact on both recruitment efficiency and candidate satisfaction. Like this podcast? Rate us on Spotify or Apple or YouTube. Additional Information The Talent Acquisition Revolution: How AI is Transforming Recruiting (research) The Great Reinvention of Human Resources Has Begun The Art, Science, And Magic Of Recruiting In The World of AI (podcast) Chapters (00:00:03) - How AI Is Affecting Costa Coffee's Hiring(00:01:16) - Interview(00:01:56) - Costa Coffee's Talent Challenges(00:04:10) - How to Hire the Right People for the Frontline(00:05:06) - Baristas: How to Get the Best Out of Your Job(00:06:53) - How Costa Coffee Is Using AI in the Job Search(00:12:24) - What was difficult about the AI journey at Costa Coffee?(00:16:22) - What are some of the metrics of the Costa Experience?(00:19:10) - The Sense of AI in the Job Search(00:20:32) - Congratulations on your AI push(00:21:39) - What Works With Costa Coffee's Talent Director

挺你所想！與你一起生活的銀行中國信託行動銀行APP全新聯名主題登場三大超萌IP：反應過激的貓、無所事事小海豹、貓貓蟲咖波主題自由切換，快來中信銀行APP打造你的專屬體驗立即搜尋>中國信託行動銀行APP 體驗主題> https://fstry.pse.is/8m4kqu —— 以上為 Firstory Podcast 廣告 —— 凱基雙幣哩程卡自2026年起權益顯著縮水，正式「改惡」啦！一般消費回饋由原本的18元/哩調至22元/哩，且設有每月20,000點的回饋上限。俗話說得好：「花無百日紅，人無千日好」，免年費的哩程卡，沒錢賺改爛只是剛好而已。相較於市場標竿的「HSBC旅人輕旅卡」，直接提供你不分海內外均享20元/哩無上限，而且免開戶！凱基一般戶不僅累哩效率較低，還需綁定台外幣帳戶與承受僅2年的點數效期，對小資族而言吸引力大減。除非啦，你是堅持不繳年費且目標為「中華航空」哩程的玩家，否則在同級免年費卡片中，其競爭優勢已不復存在。 若能成為凱基資產達300萬以上的財管會員，該卡則搖身一變成為哩程神卡。財管戶可享有國內18元/哩、海外12元/哩且回饋無上限的優待，特別是海外消費包含「線上購物」，彌補了部分聯名卡海外線上無加碼的缺點。此外此卡有少量名額給你搶提6元/哩，大概也能稍稍加速累哩速度，這種要搶登的我都當它「沒有」。總結來說，此卡已轉型為「資產驅動型」產品，建議有大額存款的用戶再行考慮。完整解說請參考本集節目。 ➤來寶可孟YouTube頻道上收聽節目：https://pokem.me/PokemYTPodcast➤每月45元支持寶可孟創作更多優質影片｜https://pokem.me/JoinPokemYT--➤凱基雙幣哩程卡2026年產品介紹：https://pokem.me/3RNyA12➤中信華航卡文字介紹：https://bit.ly/3M2k5DK➤凱基雙幣哩程卡VS中信華航卡比較：https://pokem.me/3IroEbQ➤立即入手一張中信華航卡： https://lihi1.com/H4fQR➤立即入手一張凱基雙幣程卡：https://lihi2.com/yQbpc -- 加入會員，支持節目： https://pokemcard.firstory.io/join 留言告訴我你對這一集的想法： Powered by Firstory Hosting

Evin McMullen, co-founder and CEO of Billions Network, explores how identity for agents is going to unlock the next era of the Internet. She shares outcomes from collaborations with regulatory bodies and major companies (like HSBC and TikTok), along with their use of Zero Knowledge Proofs in proving you're human without giving up privacy. Key Takeaways: How Billions Network plans to save the Internet, starting first with scaling trust (while balancing convenience and privacy) The critical importance of identity verification in an increasingly AI-dominated digital landscape, and the biggest challenges to solving for this The risks for humanity if we don't achieve decentralized identity before AI and agents becomes ubiquitous Guest Bio: Evin McMullen is the CEO and co-founder of Billions Network, the first universal human and AI network. Billions Network is pioneering a mobile-first identity layer that verifies both humans and AI agents—proving uniqueness, KYC/AML status, location, age, or even machine reputation, all while preserving user privacy. Evin's previous work includes early blockchain development for retail and enterprise, and serving as CEO and founder of the verifiable data platform Disco.xy. She is a cofounder of DAO Jones and inkDAO, and an advisor to Boys Club. She is a graduate of Yale University. ---------------------------------------------------------------------------------------- About this Show: The Brave Technologist is here to shed light on the opportunities and challenges of emerging tech. To make it digestible, less scary, and more approachable for all! Join us as we embark on a mission to demystify artificial intelligence, challenge the status quo, and empower everyday people to embrace the digital revolution. Whether you're a tech enthusiast, a curious mind, or an industry professional, this podcast invites you to join the conversation and explore the future of AI together. The Brave Technologist Podcast is hosted by Luke Mulks, VP Business Operations at Brave Software—makers of the privacy-respecting Brave browser and Search engine, and now powering AI everywhere with the Brave Search API. Music by: Ari Dvorin Produced by: Sam Laliberte  

In this episode, Lily Smith and Randy Silver host Anu Jagga‑Narang, a product evangelist at AT&T, to explore premortems — a powerful technique for anticipating product failure before launch. Anu explains how premortems use prospective hindsight to uncover risks early, surface assumptions teams are reluctant to voice, and improve decision quality. The conversation covers practical steps for running premortems, risk classification using tigers, paper tigers and elephants, common pitfalls, and when to revisit the exercise as products evolve. They also examine how emerging AI capabilities influence product risk management — increasing the need for thoughtful planning rather than replacing human insight. This discussion offers product leaders a framework to strengthen strategic thinking, foster psychological safety and equip teams to build with confidence and clarity.Chapters 00:00 Introduction to Premortems01:39 Guest Introduction — Anu Jagga‑Narang02:14 Career Journey into Product05:03 What Is a Premortem?07:04 Framing Failure and Success in Premortems11:02 How to Conduct a Premortem15:04 Voting and Risk Classification17:00 Tigers, Paper Tigers, and Elephants20:22 Assigning Ownership and Actions21:28 When to Run a Premortem23:40 Who Should Participate and Duration25:14 Examples and Surprising Insights28:43 Common Mistakes and Anti‑patterns31:51 AI's Impact on Premortems34:13 Closing Remarks and CreditsOur 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.

Paola Correa, Sustainability and Social Responsibility Manager, Alpura, joins Diego Spannaus, Head of Sustainable Finance and Transition, Latin America, HSBC, to explore Alpura's sustainability journey and discover how the company is driving a sustainable future in Mexico's dairy industry. The conversation highlights innovative strategies in reducing emissions, promoting gender equality, and driving social responsibility.This episode was recorded on 16 October 2025.Disclaimer: Views of external guest speakers do not represent those of HSBC.

In der heutigen Folge sprechen die Finanzjournalisten Lea Oetjen und Holger Zschäpitz über Shutdown-Alarm in den USA, neue Zolldrohungen gegen Kanada und was sonst noch wichtig wird in dieser Woche. Außerdem geht es um Intel, Amazon, Volkswagen, ASML, SAP, Apple, Microsoft, Meta, Tesla, Ryanair, Stabilus, Steel Dynamics, Nucor, Ferrovial, Thales, Vinci, Eiffage, Fraport, Accenture, Wipro, Tata Consultancy, C3.ai, Palantir, Standard Chartered, Fujitsu, Cloudflare, CrowdStrike, Dell, Pinterest, Cognizant, Uber, Nasdaq, Qualcomm, Snowflake, Bank of America, Citi, IBM, Cisco, Krka, Ignitis, Shell, BP, HSBC, Diageo, Reckitt Benckiser, Rio Tinto, Imperial Brands, Sage Group, Unilever, Aviva, Phoenix Group, Legal & General, Vale, OPAP, National Bank of Greece, DBS Group, Oversea Chinese Banking Corporation, Singapore Exchange, Jardine Matheson, Invesco, Tokio Marine, CK Infrastructure, EUWAX Gold II (WKN: EWG2LD), VanEck Defense ETF (WKN: A3D9M1), iShares MSCI Canada ETF (WKN: A0YEDS), Xtrackers Euro Stoxx 50 ETF (WKN: DBX1ET), Amundi Stoxx Europe 600 ETF (WKN: LYX0Q0), Global X European Infrastructure Development ETF (WKN: A40E7B), SPDR MSCI Europe Industrials ETF (WKN: A1191T), iShares MSCI Saudi Arabia Capped ETF (WKN: A14ZV2) und Xtrackers MSCI EM Europe, Middle East & Africa ETF (WKN: DBX1EA). https://www.businessinsider.de/informationen/newsletter/alles-auf-aktien/ 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 und AAA-Newsletter. 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. Der Börsen-Podcast 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

In this episode of The Brand Called You, Vineet Mohan—Co-Founder and CEO of FastTrackr AI—shares his journey from a global leadership career at HSBC to building an AI-led platform transforming the US wealth management industry. He discusses cross-cultural leadership, founding a startup, solving operational inefficiencies with AI, and what it takes for experienced leaders to build compliant, scalable AI products.00:39- About Vineet MohanVineet is a co-founder and CEO of FastTrackr AI, which is an AI led platform purpose built for the US wealth management industry.

HSBC's Frank Lee talks with TITV Host Akash Pasricha about Intel's disappointing revenue guidance and capacity constraints despite the AI boom. We also talk with BitGo CEO Mike Belshe about their public debut and the shift toward retail-driven IPOs, and The Information's Laura Mandaro about Capital One's $5.15 billion acquisition of Brex. We then get into the reality behind the TikTok deal and OpenAI's ad testing with editors Martin Peers and Meredith Mazzilli. Finally, we go inside the political transformation of OpenAI President Greg Brockman with reporters Stephanie Palazzolo and Jemima McEvoy.Articles discussed on this episode: https://www.theinformation.com/articles/intel-now-pricier-tsmc-makes-sensehttps://www.theinformation.com/newsletters/the-briefing/brexit-fintechhttps://www.theinformation.com/newsletters/dealmaker/exit-brex-investors-rising-zombie-fundshttps://www.theinformation.com/briefings/tiktok-completes-sale-data-security-arm-joint-ventureSubscribe: 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/

In ep 157 of “How Do You Say That?!” sponsored by britishvoiceover.co.uk, Hannah Hebblethwaite joins Sam and Mark to talk about fitting too many words into a commercial read, varying the pace to combat a list, making IT interesting (even if you don't fully understand it) and how your website SEO is even more important if you have a particular accent or dialect. Plus we realise a massive relevation for 2026!Our VO question this week is all about entering the industry without formal acting training.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 1Think about this:Every major break-through started with someone exploring just a little further..One more question.One more experiment.One more late-night idea that refused to be ignored.In IT, exploration isn't a nice-to-have.It's essential.Because technology doesn't stand still.And neither can we.So keep asking questions.Keep learning.Keep experimenting.Keep exploring.Because IT isn't just what we do.It's how we think.Script 2The Edinburgh Fringe can be hungry work!Fuel YOUR festival, on-the-go with us.You'll feel like you're stepping off the Royal Mile and into Rome, with our Italian-style street food; Trapizzino pizza pockets - crispy on the outside and meltingly savoury inside.Top it off with a scoop, or three, of our ice cream, featuring Dubai Chocolate and our delicious Aperol Spritz sorbet!Come and see us - and if you quote 'FREEBIE', we'll give you two pizza pockets for the price of one! But hurry - we're only open throughout the month of August.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: Hannah Hebblethwaite is an award-nominated actor who has been voice acting for 2 years. She has always loved video games since the days of Sonic the Hedgehog on the Mega Drive and now specialises in character work for games. With titles ranging from Indie to AAA, you might have heard her in Path of Exile 2, Fallout: London, Cabernet, Farewell North, or something else entirely!Hannah's Website@scottishhannah 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 -

Markets digest another earnings-heavy session with Seema Mody recapping the day and Pippa Stevens tracking a commodities rally led by fresh gains in natural gas. HSBC's Max Kettner weighs in on broader market positioning and global risk, before Kristina Partsinevelos and Morgan Brennan break down key earnings from Intel and Alcoa, setting the tone for cyclicals and industrials. Jay Goldberg of Seaport reacts to Intel's results after upgrading the stock into the print. Alcoa CEO William Oplinger discusses results and outlook, followed by a look at the soaring stock of Moderna. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In the latest episode of the pod Andy's talking about the latest stories that are important to you and your money. Including:  Current account latest for January 2026 Do you need an ISA in 2026? Don't miss out on the Nationwide Fairer Share payment For links and further reading head to becleverwithyourcash.com/cashchats 00:00 Intro 01:24 Banking update 16:57 Do you need an ISA in 2026 35:04 Nationwide Fairer Share payment ABOUT CASH CHATS Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the world of personal finance and helping you to navigate the everyday money challenges we all face. Show notes can be found at becleverwithyourcash.com/podcast. BE CLEVER WITH YOUR CASH ON SOCIAL twitter.com/BeCleverCash instagram.com/becleverwithyourcash   youtube.com/@becleverwithyourcash   GET OUR WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence 

Hear from Jo Paisley and Maxine Nelson of the GARP Risk Institute as they look back on key learnings from the past year of the Climate Risk Podcast. As we head into 2026, the GARP Climate Risk Podcast kicks off the new year with a retrospective on the past 12 months, reviewing the key themes and insights that emerged during 2025's podcasts.   After 6 years of hosting the podcast, this might be the most wide-ranging conversation so far – from how one should adjust probability of default for climate risk, to the risk factors that might lead to the collapse of society.  To make things a bit more manageable, this retrospective has been split into three main areas of focus:  First, what did we learn about physical risks, both from nature loss and climate change?  Second, what did we learn about the transition to net zero? And third, what lessons were there for firms – either in risk management or business more generally?       We also hear from our guests on advice they have specifically for risk professionals.  To find out more about the Sustainability and Climate Risk (SCR®) Certificate, follow this link: https://www.garp.org/scr  For more information on climate risk, visit GARP's Global Sustainability and Climate Risk Resource Centre: https://www.garp.org/sustainability-climate  If you have any questions, thoughts, or feedback regarding this podcast series, we would love to hear from you at: climateriskpodcast@garp.com          Links to featured episodes:  Sebastian Leape - The CSRD Effect: How Regulation is Elevating Nature Risk Eva Zabey - Beyond Climate: A Risk Professionals' Guide to the Biodiversity COPs Prof. Aled Jones - Flawed Models, Fragile Systems: The Risks in Energy & Food Policy Dr. Levke Caesar - Nine Limits, Six Breached: The Planetary Boundaries Crisis Explained Alyssa Gilbert - How to Make an Impact: Secrets to Climate Startup Success Laurie Laybourn - Beyond 1.5°C: How to Think About Our New Climate Reality Stephanie Race - Why Food System Disruption Is the New Normal Rowan Douglas - Resilience and Retreat: What Insurability Tells Us About Climate Risk Dr. Ajay Gambhir - Navigating Systemic Risk in the Age of Polycrisis Hirotaka Hideshima - From Basel to Biodiversity: An Ex-Central Banker's Take on Nature Risk Prof. Tim Lenton OBE - Positive Tipping Points: How to Fix the Climate Crisis Judson Berkey - Embedding Nature Risk: Insights from a Senior Banking Professional Dr. Luke Kemp - Societal Collapse in a Warming World: A Risk Manager's Lens    Today's Speakers  Jo Paisley is President of the GARP Risk Institute, the thought leadership arm of GARP. Set up in early 2018, the Institute works across all risk disciplines, with Jo's focus to date on climate- and nature-related risk management and scenario analysis, stress testing and operational resilience.  Her career began at the Bank of England where she worked in a variety of roles across macroeconomics, statistics, supervision and risk. Her last role was as a Director of the Supervisory Risk Specialists Division within the Prudential Regulation Authority, where she was heavily involved in the design and execution of the UK's first concurrent stress test in 2014. She left the Bank in 2015 and joined HSBC as their Global Head of Stress Testing. She has also worked as an independent stress testing consultant, advising firms on how to get the most value out of stress testing.  Dr. Maxine Nelson is a Senior Vice President at the GARP Risk Institute, GARP's research and thought leadership arm, where she focusses on climate- and nature-related financial risk management.   She has extensive experience in risk, capital and regulation gained from a wide-ranging variety of roles, including Global Head of Wholesale Risk Analytics and Head of Capital Planning at HSBC, significantly expanding counterparty credit risk management at the UK Financial Services Authority during the last financial crisis, leading the credit risk team at KPMG London, senior credit risk consultant at Oliver Wyman, and embedding operational risk analytics globally at National Australia Bank. Maxine has a degree in mechanical engineering and a PhD about how best to apply probability theory to real world problems. 

In this episode of The Product Experience, host Randy Silver talks with Cristina Bustos, Product Manager and team lead at Swiss AviationSoftware, about her experience launching a native mobile application in one of the most regulated and high‑stakes industries in the world: commercial aviation.Cristina recounts how she moved from business analysis into product leadership and then navigated a gruelling product development process during the pandemic. Her team faced the dual challenge of winning over both paying customers and aviation regulators to replace paper‑based cockpit workflows with a real‑time digital solution.Chapters0:00 | Introduction and personal background 2:34 | Problem framing: launching a mobile app in aviation 4:00 | Winning founding customers before building code 6:10 | Consensus across customers and regulators 9:00 | Involving actual pilots in design 10:00 | Redesigning workflow not just digitising it 14:15 | Scope control and prioritisation 17:16 | Regulatory engagement and approval strategy 19:49 | A hackathon that wasn't a silver bullet 21:06 | Reflections: what she would do differently 25:22 | Balancing iteration with regulatory discipline 28:21 | Triple validate in the real world 29:53 | Signals of success and business impactOur 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.

Markets are wobbling as geopolitics heats up - and investors are heading for cover. Asia-Pacific stocks slide as US–Europe tensions flare over Greenland and fresh tariff threats. European equities retreat while safe havens shine, with gold and silver near record highs. A Hong Kong billionaire’s call to put 20% into gold raises eyebrows - is this a regime shift? Back home, Frasers Centrepoint Trust weighs JB competition as the RTS Link nears reality.Plus UP or DOWN on HSBC, Stellantis, De Beers and IJM, the STI check-in, and Hollywood’s sequel-heavy 2026 - hosted by Michelle Martin with Ryan Huang.See omnystudio.com/listener for privacy information.

The new year is well and truly under way, and there's growing hopeful predictions about the state of the economy. GDP is projected to grow by 2.5 percent, according to new reports from HSBC. HSBC chief economist Paul Bloxham explained further. LISTEN ABOVESee omnystudio.com/listener for privacy information.

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In this episode of The Product Experience, host Lily Smith speaks with veteran product leader Sean Flaherty about a question at the heart of modern product management: how do you influence without authority? Drawing from behavioural science and decades of experience building products and teams, Sean outlines a framework based on self‑determination theory — the modern science of intrinsic motivation.Through the lens of autonomy, competence and relatedness, Sean explains why traditional command‑and‑control leadership undermines creativity and accountability. He shows how true autonomy is structured freedom, how competence is demonstrated through behaviour, and how relatedness builds trust and advocacy among teams and users. Along the way he reframes accountability as something teams hold themselves to, not something enforced by fear, and discusses how leaders can help teams grow, adapt and thrive in a world of constant change.Chapters00:00 — Introduction & central question01:30 — Guest background04:45 — State of leadership today06:10 — Intro to intrinsic motivation08:40 — The “code” of motivation12:28 — Autonomy in teams17:11 — Competence and product work20:30 — Observable behaviour and growth paths23:10 — Adaptability and learning culture24:25 — Accountability misunderstood27:04 — Accountability spectrum31:21 — Addressing negative behaviour36:19 — AI and leadership change38:01 — Leadership trends todayKey Takeaways— Motivation is scientific, not abstract— Product leaders need to understand the science of intrinsic motivation — not just processes or tools — to influence without authority and achieve sustainable outcomes.— Three core motivators drive behaviourAutonomy: people need meaningful choice, not chaos or micro‑managementCompetence: motivation increases when people feel capable and are supported to growRelatedness: connection and shared purpose power trust, loyalty and advocacy— Autonomy is structured freedom: Autonomy is not “do whatever you want”. It's about balancing freedom with guidance so teams can be creative but not lost.— Competence is observed in behaviour, not checklists: Real competence shows up in behaviour — what people do — not just knowledge or titles.— Accountability emerges, not enforced: Traditional accountability relies on fear and external control. In contrast, self‑accountability arises when goals are meaningful and environments allow peopleOur 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.

If the stories are to be believed, and the first casualty of war is truth and all that, Venezuelan President Nicolas Maduro sent some 3.6 million ounces of gold - $16 billion in today's money - to Switzerland before 2017, when the EU brought sanctions against Venezuela.Switzerland last week froze his accounts and the accounts of some 36 others with close ties. We don't know how much money he had in them, or how many accounts there were, but the figure doing the rounds is $10 billion.It has also emerged that Tether has been freezing “wallets identified as being involved in the Venezuelan oil trade.” As much as 80% of Petroleos de Venezuela's oil revenue is believed to be transacted in tether. This could be a total figure in the billions too.We also know that Venezuela was mining bitcoin for many years - when the price was a lot lower - but we don't know what they did with the coins. Did they fall into Maduro's hands? Were they sold? Were they held?The number doing the rounds here that it owns 600,000 BTC (~$60 billion). That would put Venezuela up there with Michael Saylor and Strategy. It's three times the 198,000 coins the US government itself is said to own.There's a seed phrase I'd like to know. Where are the keys, I wonder?And where did the proceeds of Venezuela's enormous oil, gold and other natural resource exports end up, exactly? Only some of them we know. At this point we remind you that the Venezuelan currency itself - the bolivar - collapsed in hyperinflation and has little to no value. Beware national currencies, particularly under socialist regimes. They don't last.There are several things I take away from all of this.First, the US dollar - whether via SWIFT or stablecoin - remains the number one international currency of choice, even for America's enemies.Second, tether and other US dollar stablecoins might be convenient - you don't have to use banks - but Tether will do what the US government tells it to do, and if the government wants your assets frozen, Tether will freeze them.Stablecoins, then, have a central point of failure. If someone can freeze them, they are not sovereign. And just as the US froze Russian US dollar assets after its invasion of Ukraine, so can and will it freeze the stablecoin assets of its enemies too.What did that 2022 freezing of Russian assets trigger? The mother of all bull markets in gold, and then silver and miners.What will this freezing trigger? A bull market in bitcoin. Possibly. Likely.It's already creeping back up.While the US does its geo-political, strategic, critical minerals thing, quaint old Western Europe is sinking deeper into higher taxes and - I'm sure they're coming eventually - capital controls. In fact, capital controls already exist in effect, banks are so heavily regulated and limiting of what you can send and to whom.The value of permissionless, international money just went up.You need to own money that they can't touch, whether by seizure or debasement.Meanwhile …Gold and silver continue to go bananas - the latter especially.So many roads lead to gold at the moment, it's hard to see when this stops.The inevitable debasement of national currencies off the back of uncontrollable government spending. Gold. Dedollarisation. Gold. Increasing geo-political uncertainty - Iran, Venezuela. Gold. Reshoring of US industry - highly inflationary. Gold. Revaluation of US gold holdings. Gold. Looming crisis from Japan as yields spike. Gold. China's ambitions for its currency and trade. Gold. Triffin's dilemma. Gold. AI putting everyone out of work leading to more money printing. Gold. Declining competence of and as a result faith in institutions worldwide. Gold.The dollar has now fallen to a 40% share of global central bank reserves, while gold is now at 30% on the back of its higher price and central bank accumulation. (Note currency and reserves are not the same).We are in a major capital rotational event the like of which occurs only every few decades.Typical portfolios are still underweight gold.If you live in a Third World Country such as the UK, I urge you to own gold or silver. The pound is going to be further devalued. The bullion dealer I recommend is The Pure Gold Company. Pricing is competitive, quality of service is high. They deliver to the UK, US, Canada and Europe or you can store your gold with them. More here.Own bothAs regular readers will know, I advocate owning both bitcoin and gold. The two assets have many similarities in that they are non-government, independent money. But the fundamental difference is that one is physical and one is digital.Both have their uses, and I have little patience with this notion that one must choose one or the other.In that regard, as with many others, my worldview is aligned with that of Charlie Morris (whose newsletters I urge you to subscribe to. There are lots of free options, including Atlas Pulse, which I love). Remember many years ago Charlie was calling for $7,000 gold by the end of this decade and many thought he was dotty. His call is looking perfectly sensible now, which it was - and which he is. Charlie previously managed a multi-billion-dollar fund for HSBC, before going solo. Aside from his newsletter, one his main endeavours has been BOLD, and he has been trying to get it listed for years. But the UK's Financial Conduct Authority is retarded.BOLD is a fund you can buy through a broker which is 75% gold and 25% bitcoin - all properly audited and backed, of course, with institutional-grade custody.Over the past five years, BOLD has returned 186%, while bitcoin has returned 202%, gold 128%, and equities 77%. The average return of bitcoin and gold together was 165%, yet BOLD was 21% ahead. This is because every month Charlie rebalances the portfolio, effectively buying more of whichever is the weaker asset to retain that 75:25 ratio. This act of rebalancing both strips out the volatility and increases the gains.Since Charlie first conceived of it in 2017, over pretty much any timeframe, BOLD (in blue) has beaten everything.Since its listing in Europe in 2022 BOLD has returned 123% since launch (in GBP to end 2025 including fees) compared to 111% for bitcoin and 113% for gold.It would have been nice to have been able to enjoy these gains in the UK. Thank goodness the FCA has protected us from them.Not for much longer.I was delighted to be at the London Stock Exchange yesterday to see the listing of this product which delivers “bitcoin-like returns with the lesser volatility of gold.”Congratulations, Charlie, for finally getting this listed. I wish you every success.Now we can actually invest.Obviously, if gold AND bitcoin both turn down, BOLD will suffer. But this is a classic buy-and-forget product, perfect for the Dolce Far Niente portfolio. You can own it in your pension, your ISA and it should become a mainstay of any portfolio.The 21Shares Bitcoin Gold ETP, BOLD, has the ticker LSE:BOLD.I am a buyer.PS some brokers such as AJ Bellend have only made this product available to pro investors. The broker I use is Interactive Investor, who are pretty good about getting these kinds of things live. If you open an account via this link you get a year's free. I am just on the phone to them now to get this listed.Disclaimer:The Flying Frisby is not regulated by the Financial Conduct Authority (FCA) or any other regulatory body as a financial advisor. Therefore, any information provided in this newsletter does not constitute regulated financial advice. It is solely an expression of opinion. Please conduct your own due diligence and consult with a financial advisor, if you have any doubts. Remember, markets can both rise and fall, especially in the case of small and mid-cap stocks. I am not aware of your individual financial circumstances, so only invest money that you can afford to lose. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.theflyingfrisby.com/subscribe

Tallulah Le Merle is an AI investor, advisor, and speaker. She is a Partner at Fifth Era, where she leads the firm's AI strategy. Fifth Era now manages eight investment vehicles with exposure to more than 80 unicorns through fund-of-funds and co-investments. She began her career as a management consultant advising FTSE 100 companies (Johnson & Johnson, Mars, HSBC, Unilever, etc.) on digital and data transformation - including AI strategy back when it was still largely machine learning and big data. She later served as a fractional COO for AI scale-ups, working directly with founders at the heart of the ecosystem. Tallulah speaks frequently on the future of AI and investing at global conferences and panels, often with a lens on the humanity side of the technology equation, and hope in the age of AI. She also hosts Fresh AI, the world's first fully AI-generated daily news podcast on artificial intelligence.

Cybersecurity Today: Sideloaded App Issues, Fake Blue Screen Attacks, and Rising Ransomware Threats In this episode of Cybersecurity Today, host Jim Love discusses HSBC blocking sideloaded apps with its banking app, new social engineering attacks using fake Windows blue screens to install malware, and the discovery of long-standing compromised Chrome extensions. Additionally, a new report reveals a significant rise in ransomware victims in 2025 despite major takedowns of ransomware groups. Special thanks to Meter for their support. 00:00 Introduction and Sponsor Message 00:21 HSBC Blocks Sideloaded Apps 02:44 Fake Blue Screen of Death Malware 04:49 Compromised Chrome Extensions 06:33 Ransomware Trends in 2025 08:33 Conclusion and Sponsor Message

The EU is set to pass a trade deal with South American trade bloc Mercosur after Brussels unveiled new concessions this week. Also in this edition: HSBC has agreed to pay nearly €268 million to the French treasury to settle a case over fraud on dividend tax payments. Plus, a protest from hundreds of UK pubs over higher business rates seems to have been successful.

In this episode of The Product Experience, Mariah (Executive Director of Product at The Atlantic) discusses the often-vague transition from being a great Product Manager to becoming an effective manager of people. Drawing on her background as a journalist, Mariah explores how empathy and storytelling translate into product leadership. She deep-dives into using the Reforge PM Competency Model to remove subjectivity from performance reviews, fostering growth through "Development Conversations," and integrating AI into the PM workflow without losing the human touch.Chapters[0:00] The Pitfalls of People Management[1:15] Mariah's Origin Story: From Journalism to Product[3:24] Product Goals at The Atlantic[4:14] Transferable Skills from Journalism[6:08] The Evolution of the News Product Industry[8:40] Why Product Leaders Struggle with Management[13:12] The Reforge Competency Framework[15:13] Running 6-Week Development Conversations[21:20] Linking Development to Pay and Promotions[22:58] Managing the Human Element of Performance[26:12] Addressing Burnout and Imposter Syndrome[28:58] Upskilling Teams in the Era of AI[31:40] AI Disruption in the News Industry[33:01] Closing and ResourcesKey Takeaways— Journalism as a Product Foundation: Skills like active listening, asking the "question behind the question," and storytelling are directly transferable to discovery and stakeholder management.— The "Liking" Trap: Effective management isn't about being liked; it is about challenging your team. Radical transparency often leads to more long-term gratitude than avoiding uncomfortable conversations.— Structured Development: Using a competency framework turns vague performance evaluations into objective, actionable growth plans.— The 6-Week Pulse: Dedicated "Development Conversations" every six weeks help track progress and adjust goals in real-time, far beyond the utility of an annual review.— Protecting Focus: "Focus Fridays" (no-meeting days) are essential for PMs to escape the "weeds" and execute high-value work.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 week, we sit down with Al Pascual, CEO and founder of Scamnetic, to talk about fraud from the inside out. Al didn't come up through product or engineering. He started his career chasing real fraud cases, shaped early on by parents who were cops and a first job in a bank fraud department. That hands-on experience is what pushed him from treating fraud as “just a job” to seeing it as his lane.We get into the scam patterns that worry him most right now, including pig butchering and sextortion schemes that still aren't getting enough mainstream attention. Al makes a clear case that fraud isn't primarily a data or tooling problem. It's a human one. Psychology, pressure, shame, and timing matter more than most defenses want to admit. When a big fraud story hits the news, he explains how coverage often misses the point by focusing on the tech and ignoring the manipulation. Al shares one of the strangest cases he's worked, and what it taught him about how creative and absurd fraudsters can be. We also tackle the reality of AI-enabled scams, including voice cloning. How common is it really, and who's actually at risk? Kevin is skeptical he'd fall for it, while Laura shares a story about a friend losing $500 to a gift card scam, a reminder that real people get caught all the time. This one is a grounded, sometimes funny, and occasionally unsettling look at how fraud really works, and why understanding people matters as much as understanding systems.A recognized expert on cybercrime, Al Pascual is the CEO and Founder of Scamnetic. Scamnetic is a software solution for scam detection and protection that uses AI to analyze incoming communications in real time and flag or score risk before someone falls for a scam. A successful technology entrepreneur and a former managing executive of Javelin Strategy & Research, Al has spent his career laser-focused on protecting consumers and organizations from financially motivated crimes. His past research on consumer identity theft has been cited by hundreds of media outlets and presented at conferences around the world. Al cut his teeth fighting fraudsters at HSBC, Goldman Sachs, and FIS, where during his time as an investigator, his work resulted in the arrest of more than four hundred suspects.

Despite the almost four-hour runtime of Part 5, the show must go on as the self-imposed Christmas deadline inches closer and closer. Andy and Brendan are once again joined by PJ and KVV to chat through a set of four events following Rory's win at the Masters. Before the Year in Review gets back underway, the four recap this week's biggest news: Alejandro Tosti's performance at PGA Tour Q-School. Everyone is giddy to have Tosti back for another season on the big tour and they commend him for fighting through Q-School for a second time. Andy, Brendan, and Kevin also discuss some late-breaking golf news regarding the National Links Trust and the Trump administration's plan to renovate the three public golf courses in Washington D.C. The Year in Review resumes with a look back at the RBC Heritage and the immediate wake of one of the greatest wins in golf history. PJ runs through a week's worth of Rory reactions before unveiling the important stuff, such as Grant Horvat's Barracuda exemption (unused) and Wesley Bryan's PGA Tour suspension (still seemingly ongoing). Justin Thomas returned to the winner's circle in Hilton Head, getting over the finish line for the first time since the 2022 PGA Championship. Andy is next up with the Zurich Classic, where Rory McIlroy made his return to golf in a team event alongside Shane Lowry. Andy rediscovers the backboarding that occurred at a disastrous Chevron Championship and the power outage that led to the golf world being exposed to a Champions Tour Sunday on national TV. He also shares that one of the great technological achievements of our time happened this week! Brendan has the honor of recapping PGA Tour history, as Scottie Scheffler burned down TPC Craig T. Nelson Ranch and tied the all-time scoring record in a runaway win. All that may be great, but Brendan is most excited about the children in attendance chanting while a bulldozer wrecked the practice green ahead of Lanny's renovation. KVV comes in to close things out again, handling the first-ever Truist Championship. His findings lead the group down a rabbit-hole of past HSBC photo shoots, complete with a flying Henrik Stenson and Yao Ming. The 2025 Year in Review returns on Wednesday with the long-awaited Rise of Rea.