Podcasts about Innovate Finance

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

In this episode of #StreetsTalksTo we are joined by the partners and authors of The Scaling UK Regional FinTech Report.This groundbreaking research, conducted by Whitecap Consulting and co-published with Streets Consulting and  Innovate Finance, explores how to successfully scale fintech firms in the UK. Key points discussed include: Importance of Regional Growth: The report analyses 250 regional fintech scale-ups, highlighting the significance of growth outside London and the unique challenges and opportunities these regions face. Diversity and Leadership: Findings reveal that firms with female founders achieved over 30% more turnover growth than those with male founders, emphasising the importance of diverse leadership in fintech success. Impact of Accelerator Programs: Data shows that participation in accelerator programs significantly boosts a firm's chances of raising funding, underscoring the value of these programs in the fintech ecosystem. Government and Policy Support: The discussion touches on the critical need for government and regulatory support to ensure the growth and global leadership of UK fintech, aligning with Innovate Finance's FinTech Manifesto. Join Julia Streets, Janine Hirt, CEO of Innovate Finance, and Julian Wells, Director and FinTech Lead at Whitecap Consulting for an insightful conversation on the future of UK fintech and the strategies to drive its success.  

Send us a Text Message.Valentina Kristensen, Corporate Affairs Director at OakNorth, talked about the value of communications in driving business growth in fintech.OakNorth was founded by entrepreneurs for entrepreneurs who had bad experiences trying to secure a loan for their company. The company has lent over 10 billion pounds to businesses across the UK and a variety of sectors.At OakNorth, Valentina oversees external and internal communications, events, content, ESG/sustainability and helps set the strategic direction for stakeholder engagement globally.Cool fact: Valentina was named the Standout 35 of Innovate Finance's Women in Fintech Powerlist in 2018.Valentina and Shameer cover topics such as:Understanding the value of comms and PRThe importance of adapting to industry changesLeveraging communications to drive business growthCustomer advocacy and referralsHaving a strong narrative, product market fit, and consistent messaging across all channels and teamsAnd a lot more.Valentina says:“Make sure you create a fantastic customer experience. You want people to shout about you rather than at you.”Don't forget to subscribe to The Fintech Marketers and Leaders podcast so you never miss an episode!HELP US OUT!Help us reach new listeners and bring on your favourite guests by rating and reviewing The Fintech Marketers and Leaders Podcast here. We appreciate you.Subscribe here:WebsiteYouTubeAbout the showThe FML Podcast is brought to you by Growth Gorilla. To find out how our marketing experts can boost your fintech's growth, head to “growthgorilla.co.uk”. And make sure to search for “the fml podcast” in Apple Podcasts, Spotify, or anywhere else podcasts are found. Don't forget to click follow to ensure you don't miss any future episodes. On behalf of the team here at Growth Gorilla, thanks for listening.

In this episode, host Rashee Pandey sits down with Victor Mithouard, VP of Growth at Numeral: a cutting-edge payment technology platform for FinTechs and banks. They discuss how Numeral is revolutionising the FinTech and payments industry, Victor's professional journey, and the challenges and defining moments he's encountered along the way. They delve into the topic of building better payment products for European customers, exploring how FinTechs are embracing multi-banking strategies, the role of banking partners, challenges faced in adapting core banking systems, and the benefits and opportunities of a multi-bank approach. Tune in for valuable insights into the future of payments and the evolving fintech landscape, see you next Friday! --- Send in a voice message: https://podcasters.spotify.com/pod/show/innfin/message

"You can't be a feminist if you are not looking at how to help other disenfranchised communities. And I know there are different strains of feminism, but I believe if you're helping one community, it has to really help the others."In this episode of #WomenOfFinTech, we spotlight the transformative journey and insights of Lisa Leid, Fintech PR and Communications Expert and Innovate Finance power listee. With a passion for diversity and inclusion, Lisa shares her unique path into the financial technology industry, highlighting the importance of authentic representation, male advocacy, and the power of storytelling in driving industry-wide change. She delves into the critical need for action beyond dialogue to bridge the gender pay gap and elevate women and underrepresented communities to leadership positions. Lisa's impactful work, including initiatives like the FinTech Guide for Advancing, Cultivating and Elevating your Black Talent (in collaboration with us at Harrington Starr), showcases her commitment to creating a more inclusive and equitable Fintech ecosystem.

Join us on Coffee with Innovate Finance this week for a Women in FinTech special as we dive into the world of fin-clusivity with two distinguished leaders from KPMG's FinTech team, Hannah Dobson and Lauren Taylor. Hosted by Janine Hirt, CEO of Innovate Finance, this episode explores KPMG's key priorities in the FinTech sector, their initiatives promoting diversity, equity, and inclusion, and the personal and professional journeys of Hannah and Lauren. Discover how KPMG is shaping the future of FinTech through strategic partnerships, innovative services, and DEI initiatives. Gain insights into the current state of DEI within the FinTech industry and learn about the impactful contributions of KPMG in fostering inclusivity and diversity. Tune in to Coffee with Innovate Finance on Spotify, Apple Music, Google Podcasts, and innovatefinance.com. --- Send in a voice message: https://podcasters.spotify.com/pod/show/innfin/message

Janine Hirt, CEO of Innovate Finance, unpacks what the UK must do to maintain its historical strength in financial technology, why clarity in regulation for crypto, BNPL and open banking is vital, and what needs to be done to tackle rising financial scams.   Hirt has been with Innovate Finance, the UK fintech industry body, for the past nine years after joining as a community lead in 2015. Hirt then became the group's ecosystem director, then COO before rising to the rank of chief executive in 2021. The independent group is responsible for championing the efforts of British fintech and advising government policy to support its growth. Before joining Innovate Finance, Hirt held roles at the think tank Chatham House and the Brazilian-American Chamber of Commerce. Elsewhere in this episode, Hirt looks at where fintech clusters are in the UK, why Big Tech must take some responsibility for financial crime, and what she's hoping to see for the fintech sector in the Spring Statement. 

In this episode of #BBE's Ecosystem Zoom-In series, we finally reflect on The British Case. Coinciding the podcast's inception and the historic Brexit event four years ago, this fascinating nation finally takes the spotlight of our show. Janine Hirt, current CEO of Innovate Finance, joins to discuss how Britain has risen to prominence as a global leader in nurturing innovation ecosystems, trailing only behind the US. Hirt offers insights into the evolving landscape for UK companies and also announces the upcoming 10th anniversary of the Innovation Finance Global Summit, where host Matteo Rizzi will participate. Tune in to explore Britain's dynamic innovation and finance sector in 2024. Connect with our guest: Janine Hirt - https://www.linkedin.com/in/janine-hirt-4441664/

On this month's episode of The Missing Link, we're joined by Sidney Powell. Sid is the CEO & Co-Founder of Maple, and with his Co-Founder Joe Flanagan, launched Maple in 2021. Maple is transforming capital markets through technology having facilitated over $3b in loans since launch in 2021. During Sid's career in traditional finance, he participated in $3BN+ of corporate bond issuance, established and ran a $200M+ bond funding program, and managed Treasury at a commercial lending FinTech company. During the episode, Sid breaks down the web2 finance space as a tax on global gdp, the past and future of Maple, AI underwriting, and his opinion on a two-tiered missing link. Check it out! This podcast does not contain any financial or legal advice and you should not seek to rely on it as such. Opinions are the personal opinions of the speaker. The Missing Link is a podcast produced by Nayms, our partner in the Searching for Mana podcast. Nayms: https://nayms.com Mana: https://searchingformana.com Like this episode and subscribe to this channel if our content helped and inspired you! See you in our next episode! ___________________________________________ Apple Podcast: https://apple.co/2Hhg4gB​​ Spotify: https://spoti.fi/3kKZQKl Searching for Mana is a UK-based podcast which focuses on tech innovation in finance, and features interviews with influencers, leaders and founders in the fintech space, from unicorn companies to financial disruptors. Previous guests have included the Director of Growth at Oaknorth, the CEO of BCB Group (the UK's first licensed crypto bank), the CEO of Innovate Finance (the industry body for UK fintech) and Ed Vaizey, the UK's longest serving Minister for Technology. Each hour-long episode gains insight into how the guest got into fintech, what they're currently focused on, what their companies are all about, as well as some of the important trends within the wider fintech sector. The show is presented by Lloyd Wahed, a London-born tech entrepreneur who has founded two recruiting firms, Athelstan Search and Mana Search and has successfully helped scale a number of unicorn technology companies. Follow Mana Search on Twitter: https://twitter.com/manasearchuk​​ Follow Mana Search on LinkedIn: https://www.linkedin.com/company/mana-talent/

Join us for an extremely exciting episode Coffee with Innovate Finance this week! Tune in for an insightful exploration into the transformative world of AI in FinTech with Jerzy Biernacki, Chief AI Officer at Miquido. This is the first time we have welcomed an AI specialist on CWIF, so we at Innovate Finance are super excited to hear from Jerzy and his machine learning acumen.

Join us this week as Janine Hirt, CEO of Innovate Finance, sits down with Ezechi Britton MBE, CEO of The Centre for Finance, Innovation and Technology (CFIT). Explore Ezechi's fascinating journey, from defining moments to industry challenges. Discover CFIT's mission, key priorities, and the impactful Open Finance Coalition. Dive into the collaborative spirit of the UK FinTech ecosystem and get a sneak peek into CFIT's exciting future plans. Tune in every Friday for more insights from individuals that shape the FinTech landscape! --- Send in a voice message: https://podcasters.spotify.com/pod/show/innfin/message

On this episode of Fintech Insider Insights our expert hosts, Ross Gallagher and Kate Moody, are joined by some great guests to talk about the ever-growing overlap between big tech and finance. We've seen no shortage of companies like Google, Apple, and Facebook in the news over the last year, and as technology becomes more central in our relationship with financial services, big tech will only have a more critical role to play in the future of our industry. So we want to take a step back and understand exactly what big tech's role in finance currently is, and where they sit on the banking battlefield. What are the use cases? What are the risks? And will we eventually have to do our banking through a VR headset? To discuss this I am joined by a mighty panel of industry experts. This week's guests include: Paul Worthington, Head of Regulatory Affairs at Innovate Finance and formerly the Public Policy Manager at Meta Fintech Dave Birch, Principal at 15Mb Sam Maule, an advisor and formerly the Key Account Executive at Google --------------------------------------- Fintech Insider by 11:FS is a bi-weekly podcast dedicated to all things finance, banking, technology, and financial services.  Our expert hosts, with real industry experience, are joined by the biggest decision-makers, VCs, and reporters from across financial services including guests from Visa, Nubank, M-Pesa, AltFi, Starling, and JP Morgan Chase to discuss the latest news, developments, and trends within the industry. Our weekly news show drops every Monday and tackles the biggest news stories, from acquisitions and launches, to regulatory changes and innovation. Then, every Friday our Insights show dives deeper into the hottest topics shaping the industry like web3 and BNPL. Whether you're already immersed in the world of financial services, or just keen to learn more, this is the #1 podcast for you. If you enjoyed this episode, don't forget to **subscribe** and **please leave a review** Follow us on **Twitter**: @fintechinsiders where you can ask the hosts questions, or **email** podcasts@11fs.com!

Join us this week on Coffee with Innovate Finance for a compelling episode where our host, Rashee Pandey, Associate Director of Membership and Growth at Innovate Finance delves into the world of financial wellbeing with Charlotte Fairhurst, Director at Evelyn Partners. Charlotte brings her expertise in investment management, focusing on entrepreneurs for a healthier, more productive life. Discover the strategies and insights that drive financial health in organisations and the meaningful impact on individuals. In the midst of a cost of living crisis, Charlotte further sheds light on how companies can better support their employees, offering practical insights and solutions and sharing success stories of companies implementing financial wellbeing programs and the positive impact on employees' lives. Stay tuned for new episodes every Friday! ☕

On the first episode of 2024, Dan and Danielle reflect on ONE WHOLE YEAR of The Missing Link! With so many epic guests in 2023, we've had some wonderful conversations with industry leaders. They look back on all the "missing links" in the industry and how we can start to make some progress to promote mass adoption. There are several themes throughout the episode, and they even share what they think is the missing link (besides insurance!). Don't miss this episode with your favorite podcast hosts, it's a good one! This episode is a can't-miss! This podcast does not contain any financial or legal advice and you should not seek to rely on it as such. Opinions are the personal opinions of the speaker. The Missing Link is a podcast produced by Nayms, our partner in the Searching for Mana podcast. Nayms: https://nayms.com Mana: https://searchingformana.com Like this episode and subscribe to this channel if our content helped and inspired you! See you in our next episode! ___________________________________________ Apple Podcast: https://apple.co/2Hhg4gB​​ Spotify: https://spoti.fi/3kKZQKl Searching for Mana is a UK-based podcast which focuses on tech innovation in finance, and features interviews with influencers, leaders and founders in the fintech space, from unicorn companies to financial disruptors. Previous guests have included the Director of Growth at Oaknorth, the CEO of BCB Group (the UK's first licensed crypto bank), the CEO of Innovate Finance (the industry body for UK fintech) and Ed Vaizey, the UK's longest serving Minister for Technology. Each hour-long episode gains insight into how the guest got into fintech, what they're currently focused on, what their companies are all about, as well as some of the important trends within the wider fintech sector. The show is presented by Lloyd Wahed, a London-born tech entrepreneur who has founded two recruiting firms, Athelstan Search and Mana Search and has successfully helped scale a number of unicorn technology companies. Follow Mana Search on Twitter: https://twitter.com/manasearchuk​​ Follow Mana Search on LinkedIn: https://www.linkedin.com/company/mana-talent/

Embark on an enlightening journey into the world of pension innovation with David Henderson, Head of Pensions at Penny. Join our host, Rashee Pandey, in exploring David's remarkable career, Penny's mission to simplify retirement planning, and the ingenious features of the Penny app. Dive deep into how Penny is reshaping the retirement landscape, making pensions enjoyable and engaging. Don't miss this insightful episode! Tune in every Friday for more engaging conversations on financial innovation and FinTech. --- Send in a voice message: https://podcasters.spotify.com/pod/show/innfin/message

Join us this week on Coffee with Innovate Finance for an insightful conversation with Flora Coleman, Global Director of Policy and Government Relations at Klarna, the global payments and shopping service revolutionising the financial landscape. Explore Klarna's journey since 2005, its mission to democratise financial services, and the adoption of innovative technologies like ChatGPT. Discover how Klarna navigates the evolving world of Buy-Now-Pay-Later, policy and regulation, and its commitment to transparency and fairness. Tune in every Friday for more stimulating discussions on financial innovation! --- Send in a voice message: https://podcasters.spotify.com/pod/show/innfin/message

Join us this week on Coffee with Innovate Finance for an engaging conversation with Collin Galster, COO at Nova Credit - a global FinTech powerhouse, revolutionising credit access worldwide. Discover how Nova Credit's cross-border credit bureau is transforming the landscape for lenders and consumers across 25 countries. Learn how their innovative solutions bridge credit gaps for immigrants, enabling access to financial services, and uncover insights into their UK impact, partnerships, and the future of open finance. Tune in every Friday for more episodes!

This week on Coffee with Innovate Finance, Rashee Pandey, Associate Director of Membership and Growth at Innovate Finance, sits down with James Hill, CEO at Flexys Solutions, to delve into the world of innovative debt management solutions. Discover how Flexys' groundbreaking platform, Control+, is transforming collections operations and reshaping debt management strategies for enterprises. Join us for insights into Control+'s digital-first approach, flexibility, and its impact on operational efficiency. Tune in to explore how Control+ leverages intelligent debt resolution, automation, and evolving technology to streamline debt management processes and drive positive outcomes for businesses and customers. Join us every Friday for thought-provoking conversations on Apple, Spotify, and Google Podcasts! --- Send in a voice message: https://podcasters.spotify.com/pod/show/innfin/message

Join us this Friday for a deep dive into Agricultural Banking with Tim Coates, Chief Customer and Regulatory Officer, and Co-Founder at Oxbury. Discover Oxbury's unique propositions, gain insights into impactful #ESG initiatives, and understand the significance of partnerships in #FinTech. Don't miss this episode for exclusive insights on banking innovation and the future of agricultural finance!

Join Janine Hirt, CEO at Innovate Finance, as she engages in a riveting discussion with Charles McManus, CEO of ClearBank. Tune in to unravel Clear.Bank's pioneering mission, innovative banking infrastructure, and transformative impact on the financial services sector. Dive deep into the future trends and innovations forecasted for ClearBank, their strategic approach to payment clearing, and insights into ESG integration within their operations. Discover how ClearBank achieved remarkable profitability amidst market uncertainties and challenges, learning about key strategies, collaborative ventures, and future goals outlined by Charles McManus. Don't miss this compelling episode shedding light on financial innovation. Tune in every Friday for more engaging discussions on Spotify! ☕

This week on Coffee with Innovate Finance, Janine Hirt, CEO of Innovate Finance, is Joined by Sam Edge, the Global Head of FinTech for Startups at Amazon Web Services (AWS).  In this conversation, Janine and Sam will explore the fascinating world of AWS and its role in the FinTech sector, diving into the challenges and opportunities facing FinTech companies, especially in the context of innovation, security, and compliance. They discuss the pivotal role of partnerships in scaling FinTech businesses in the cloud and the ways in which AWS is contributing to their growth and value for customers. Furthermore, Sam unravels the fusion of AI, data, and security in the FinTech space and helps us understand how AWS is harnessing these concepts to support companies in their competitive journey. Learn about AWS's cutting-edge GenAI and Machine Learning solutions tailored for the unique challenges of the FinTech sector, and how they empower companies to gain a competitive edge. And, of course, we'll peek into the future, as Sam shares his insights on the evolving FinTech market and the exciting opportunities that lie ahead. As we wrap up, Sam will also give us a glimpse of what's on the horizon for AWS, so stay tuned for that exciting news! Join us next Friday for more stimulating discussions. Goodbye for now! ☕

You receive a call. Your account has been compromised – you need to move all your funds to a different secure account. The person on the other end is from "your bank" and ready to "help you out" - if you just give them all your banking information. We've all seen this situation play out – whether to ourselves, family members, or friends. The scam call is a universal problem - with $10 billion stolen from senior citizens in the US in 2022 and 45 million UK citizens receiving texts or calls in the space of three months. So can this hugely lucrative scam industry be stopped? In this week's episode – our host, Marit Rødevand, is joined by Neira Jones, Consultant and Panel Member of the Payment Systems Regulator, and Veronica Glab, Head of Partnerships at Innovate Finance. The panel discuss: the issue of scam calls and texts for financial services of all kinds, the biggest challenges in tackling this issue, and whether we can ever truly kill the scam call. Producer: Matthew Dunne-MilesEngineers: Dominic Delargy, Nicholas Thon ____________________________________The Laundry podcast: Dive deep into the intricacies of financial crime, AML (anti-money laundering), compliance, sanctions, and the ever-evolving landscape of financial regulation.Hosted by Marit Rødevand and Fredrik Riiser – this podcast features renowned experts from sectors such as banking, fintech, compliance, and investigative journalism.Together, they shed light on the industry's trending topics, analyse mainstream news through a compliance-focused lens, and connect the fight against financial crime to its real-world consequences and ramifications.The Laundry is proudly produced by Strise, an AML intelligence system.Get in touch at: laundry@strise.aiSubscribe to our newsletter, Fresh Laundry, here. Hosted on Acast. See acast.com/privacy for more information.

Join us this week as CEO, Janine Hirt converses with Kunal Jhanji, Managing Director and Partner at Boston Consulting Group (BCG). Kunal shares his background and BCG's vision, focusing on their climate and sustainability initiatives. Discover how BCG addresses the cost of living crisis and current consumer trends in finance. Explore global fintech activity and the UK's unique position. Kunal provides his top three FinTech and RegTech predictions, delves into the potential of open data, and shares insights on diversity and inclusion efforts at BCG. Stay tuned for exciting BCG news. Subscribe on Spotify, Apple Music, or Google Podcasts, and visit our website for more insights on financial innovation. Thank you for joining us on "Coffee with Innovate Finance" and see you next Friday! --- Send in a voice message: https://podcasters.spotify.com/pod/show/innfin/message

Join us this week on Coffee with Innovate Finance as Rashee Pandey, Associate Director of Membership at Innovate Finance, engages in a compelling conversation with Niyati Joshi, Head of Product at B4B Payments - A Banking Circle Group Company.Learn about B4B Payments' journey from its 2006 inception to global leadership in card issuing and embedded finance services, serving a diverse clientele across the UK, EU, and U.S. Discover the significance of ecosystem partnerships and the strategies behind their success, including insights into the Banking-as-a-Service (BaaS) and emerging trends. Explore exciting initiatives, case studies, and B4B Payments' ESG achievement.Tune in every Friday for new episodes! --- Send in a voice message: https://podcasters.spotify.com/pod/show/innfin/message

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

In this episode of Digital Transformation & Leadership Danny Levy talks to Zennon Kapron the Director of Kapronasia, one of Asia's leading financial technology research and consulting firms. Prior to Kapronasia, Zennon was the Asia Pacific Financial Industry Manager and Global Banking Industry Manager for Intel. At Intel, he helped position and sell Intel-based architecture to financial services firms globally. Before Intel, Zennon worked at Citi at a number of different technology management roles culminating in his role as CIO for Citigroup Portugal. Zennon is a recognised thought leader on fintech in Asia and a regular speaker at financial conferences and shows globally including: Money 20/20, TradeTech, Sibos, SIFMA, Innovate Finance, Future of Fintech in Asia, APFIC and many others. He has testified in front of the U.S. Congress on matters of China Fintech and is regularly quoted in the press and television appearances including CNBC, Bloomberg, The Economist, Wall Street Journal, New York Times, Financial Times to name a few. Zennon is the author of 'Chomping at the Bitcoin: The Past, Present and Future of Bitcoin in China' published by Penguin as well as countless reports and commentaries on the state of financial technology in Asia. He is also a Top Voice on LinkedIn in Asian finance talking about fintech, payments, digital banking, DeFi, CBDCs. In the episode Zennon shares insights on: The surge in digital payments in Asia and how this is playing out across the entire region. How for more than a decade, the Asian tech ecosystem has been dominated by “super-apps:” platforms such as WeChat, Alipay, and Meituan that offer an enormous network of services all in one integrated app. Something Elon Musk has recently labeled an ‘everything app'. Zennon shares what constitutes a super app. And if are all platforms that are regarded as a super-apps are worthy of the title. If BNPL in Asia will replace traditional credit cards. Government led domestic card networks replacing Mastercard and Visa. A commonly held belief around digital banks in Asia that Zennon passionately disagrees with. Zennon's counter-intuitive, half-crazy prediction about the next five years for the Asian payments industry. To get in touch with Zennon get in touch via LinkedIn here - https://www.linkedin.com/in/zennon/ To check out Kapron Asia go to - https://www.kapronasia.com/ --- Send in a voice message: https://podcasters.spotify.com/pod/show/danny-levy/message

In this episode of Deciphered, Adam Davis, Associate Partner at Bain & Company, is joined by Jeff Tijssen, Partner, Bain & Company, Janine Hirt, CEO, Innovate Finance and Shannee Braun, Director, EQT, to discuss the decisions behind fintech acquisitions in 2023.The fintech investment landscape has changed dramatically, what are the reasons behind this, and are the tides slowly changing...?Timestamps:- (03:43) Tuck-in or take-out: The decisions behind fintech acquisitions in 2023- (06:38) Fundamentals: Investments & profitability- (08:38) Fintech multiples: How have they changed since recent correctional valuations across fintech verticals & which ones are becoming more prominent?- (11:21) Newer-stage companies getting funded in the UK & success in deal flow- (13:03) Fintech to fintech acquisitions- (14:40) Will things return to how they were in 2021?- (17:14) Large FIs & acquisitions- (18:58) What spots are hot at the moment?- (23:31) What can incumbent banks learn from acquisitions by big techs?- (25:43) Interesting opportunities in other industries- (27:54) Keeping the UK competitive- (29:14) Major takeaways from the conferencePlease subscribe to the show so you never miss an episode, and leave us a review if you enjoy the show!You can find Adam Davis hereYou can find Jeff Tijssen hereYou can find Janine Hirt hereYou can find Shannee Braun hereFor more insights from the Deciphered podcast, visit the page on Bain's website

Today on our show, we're talking about the future of banking. Or, more specifically, how the true next wave of financial services experiences are becoming so embedded into our everyday lives, such a part of everything we do, that banking may become invisible altogether. You're going to hear a conversation between three leading voices in this space. Stephen Dury, Vice President of Financial Services for frog's parent company Capgemini Invent, who hosts a discussion with Janine Hurt, Chief Executive Officer for Innovate Finance, and Michael Harte, Partner at United Ventures and Industry Research Fellow at MIT. The conversation spans everything from regulation in the age of fintech, to what it takes to stand out in an invisible banking landscape,  to financial literacy for children.Brought to you by frog, a global creative consultancy. frog is part of Capgemini Invent. (https://www.frog.co) Visit us to learn more about Next-Generation Financial Services at frog. (https://www.frog.co/sector/financial-service-design) Download the new frog Chief Challenges 5: Banking on Invisibility report. (https://go.frog.co/banking_on_invisibility) Listener note: we also filmed this conversation. Watch the full video and explore our interactive report here. (https://www.frog.co/insights/chief-challenges/banking-on-invisibility#banking-on-invisibility) Thanks to Steven Strange for this special episode's film/audio production (http://www.stevenstrange.com) and Richard Canham of Lizard Media for editing this podcast (http://www.lizardmedia.co.uk)

Discussing Digital Finance policies (in the immediate aftermath of the Silicon Valley Bank shutdown) and the Digital Euro, with Dea Markova. Her global experience and her focus on political risk intelligence in digital assets, web3.0, is unique. She provides us with great clarity around the ECB and European Commission`s thinking around the Digital Euro. Dea works in policy and digital finance across Europe and Southeast Asia. She currently heads the Digital Assets and Finance team at Forefront Advisers, an EU and UK political intelligence and analysis firm. Prior, she led advocacy campaigns on the EU crypto-asset regulation from Brussels. Dea returned to Europe having worked for several years at the Monetary Authority of Singapore on FinTech and shared digital infrastructure. Dea began her career with ten years in London. She was Head of Programmes for Innovate Finance, the UK FinTech trade association. Dea holds MSc in Financial Regulation from the London School of Economics and speaks Spanish, Russian, and Bulgarian. Dea Markova MD of ForefrontAdvisers: https://www.linkedin.com/in/dea-markova-00709917/ Dr. Efi Pylarinou is the No.1 Global Woman Influencer in Finance & the Data conversation by Refinitiv, a Top Thought Leader by Onalytica, and a Top Digital Futurist, Linkedin and Twitter Voice, by Engatica. A seasoned Wall Street professional & a recognized technology thought leader on innovation topics. Founder of Efi Pylarinou Advisory servicing Big Tech, Financial Services and Fintech clients. She strongly believes in building bridges between the old and the new economy. She shares her passion of content creation with her 190,000+ followers on Linkedin and 18,000+ on Twitter.  Join her on the social platforms https://linktr.ee/Efiglobal

You thought one take over was all we had? Think again - the first LIVE COVERED event of 2023 for Breaking Banks deserved 2 installments, and we could not wrap it up in the best manner. Francesca Aliverti unmuted the incredible Saira Khan (fresh out of the "Women in Fintech Powerlist" '22 by Innovate Finance) and Michael Ramsbacker from Trulioo one of the event's most prominent companies on and outside the stage! Connect with the guests:Saira Khan - Head of Innovation & Partnerships, First Direct Bankhttps://www.linkedin.com/in/sairakhan/firstdirect.com Michael Ramsbacker - Chief Product Officer (CPO), Trulioohttps://www.linkedin.com/in/ramsbacker/trulioo.com

Arnaud Saint-Paul Arnaud's Website Arnaud Saint-Paul, living between Los Angeles and Paris, went through his awakening when he was 13. While growing companies in Finance and Technology and helping conscious leaders on their path, he has been traveling throughout the world to study different religions and philosophies in his relentless quest to understand himself. His life's purpose is now to open billions of hearts and help them find harmony inside and out. He has been featured in different events, podcasts, and international conferences, including Conscious Capitalism, Women in Technology International, AIBC, and Innovate Finance. He recently published a book entitled “I: I is born,” a unique tool to become a more conscious leader of one's life and others'. Arnaud on YouTube Arnaud's Facebook group Arnaud's Facebook page @healthruwords on Instagram @healthruwords on Twitter LinkedIn: https://www.linkedin.com/in/arnaudsaintpaul/Mark Stinson Copyright 2022 Mark Stinson Mentioned in this episode:THE ALAURA SHOWHey, it's Alaura Lovelight. And if you're enjoying "unlocking your world of creativity," make sure to check out my new show, "The Alaura Show" ... on Roku and Amazon Fire TV.

Before the FTX blowup there was a serious conversation happening around regulation of the DeFi space. During our Merge event in London last month I interviewed Lawrence Wintermeyer, the Chair of the GBBC Digital Finance (and the former chair of Innovate Finance) on the topic, Paving the Way for Web3 Legitimacy.Given the events of the last couple of weeks this topic has new urgency. For the DeFi industry to scale it must begin a serious and open discussion with regulators and it needs to address some of the thorny issues caused by its decentralized structure. This interview was recorded on October 17 and there was a prescient quote from Lawrence during the interview: "The industry just does not look like a very safe place to put your money right now."In this podcast you will learn:Why people are at war in the digital innovation space.Why it is critical for the web3 industry to come together and self-regulate.What a co-regulatory model could look like.How can approach regulating DeFi where it is by definition decentralized.The difficult issues that most need to be addressed.Why identity and liability considerations are so important for DeFi.How far away we are from effective DeFi regulation.His thoughts on permissioned and closed DeFi networks.What's the most practical thing that we can do to create Web3 legitimacy.Connect with Lawrence on LinkedInConnect with Lawrence on TwitterConnect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

Zennon Kapron is the Director of Kapronasia, one of Asia's leading financial technology research and consulting firms. Zennon is a recognised thought leader on fintech in Asia and a regular speaker at financial conferences globally including: Money 20/20, TradeTech, Sibos, SIFMA, Innovate Finance, Future of Fintech in Asia, APFIC and many others. He has testified in front of the U.S. Congress on matters of China Fintech and is regularly quoted in the press and television appearances including CNBC, Bloomberg, The Economist, Wall Street Journal, New York Times, Financial Times to name a few.

In this episode, Kamal has a conversation with fintech all-star Teana Baker Taylor, who has had past positions with Binance, Crypto.com, HSBC, Fiserv, and Citi. Teana now serves as Vice President of Policy and Regulatory Strategy for the EU and UK for Circle. Named the Regulatory & Governance Leader of the Year within the Women in Finance Awards 2020, recognized as one of the Standout 35 of the most influential women in Fintech globally within the Innovate Finance 2019 and 2018 Women in Fintech Powerlists and won the Blockchain Leaders category in the Women In Tech Awards 2019. Kamal Hubbard is a lawyer by training who is certified in Fraud Examination, Cybersecurity, and Decentralized Finance. Kamal spent two years conducting individual research on Bitcoin and blockchain technology before entering a position in cryptocurrencies. He is a civil rights officer; the founder of the blockchain consulting company, CageChain Media Group; and serves as an advisor to the Tao Network Blockchain. Mr. Hubbard is the author of the groundbreaking book DeFi for the Diaspora and had the privilege of testifying before California's Senate Banking Committee on the basics of blockchain and Bitcoin. Get your copy of #DeFi for the Diaspora at: http://www.kamalrhubbard.com/defi-for-the-diaspora-book/ Sign up for the free CageChain Newsletter at: http://www.cagechain.io Learn more about your ad choices. Visit megaphone.fm/adchoices

Ep #145 - In today's podcast episode, I'm joined by author, speaker and finance blogger, Chris Skinner, who is known as one of the most influential people in technology and finance. Chris is an independent commentator on the financial markets and fintech through his blog, the Finanser.com, and through his 17 best-selling books. His latest book, "Digital for Good," focuses on how technology and finance can work together to address the environmental and social issues we face today and make a better world. In his day job, Chris is the CEO of the Finanser Ltd, a research and media firm focused upon FinTech and the future of finance. He is a Non-Executive Director of the FinTech consultancy firm 11:FS and on the advisory boards of many FinTech and financial firms. Chris is a regular commentator on BBC News, Sky News, CNBC and Bloomberg about banking. He is on the Advisory Boards of companies that include B-Hive, Bankex, empowr, IoV42 and Innovate Finance. He's also worked closely with leading banks such as HSBC, the Royal Bank of Scotland, Citibank and Société Générale, as well as the World Economic Forum.   Learn More About Chris Skinner and The Finanser: Visit Chris Skinner's website: https://chrisskinner.global/ Visit The Finanser Blog: https://thefinanser.com/ Visit the Captain Cake (Chris Skinner's Children Books) website: https://captaincake.com/ Connect with Chris Skinner on LinkedIn: https://www.linkedin.com/in/cmskinner/ Follow Chris Skinner on Twitter: https://twitter.com/Chris_Skinner   Also, please remember to subscribe, rate, and leave a written review for the show if you find value in it. Your reviews help this show to reach a wider audience and I appreciate everyone that has been leaving them.   FOLLOW CHARLES GAUDET ON SOCIAL MEDIA: Follow Charles Gaudet on LinkedIn: https://linkedin.com/in/charlesgaudet Follow Charles Gaudet on Facebook: https://facebook.com/charlesgaudet Follow Charles Gaudet on Twitter: https://twitter.com/charlesgaudet   VISIT THE PREDICTABLE PROFITS WEBSITE: https://PredictableProfits.com  

Public policy-focused non-profits have an essential role in a society dealing with all kinds of issues and challenges. Their financial services have become integral in helping people get through the pandemic. J.R. Lowry dives even deeper into these organizations with Janine Hirt, CEO of Innovate Finance. Janine talks about giving aid to people in the UK to address challenges brought by increased cost of living, changing government, and a market full of uncertainties and instabilities. She also shares her realizations and lessons from her past careers and jobs that shaped her into the resilient leader she is today.

Chris Skinner is a bestselling author, independent commentator, and globally sought-after expert on financial markets and technology through his critically acclaimed website, The Finanser.More about our guest:Chris has been voted one of the most influential people in financial technology by the Wall Street Journal's Financial News, and has been an advisor to the White House, the World Bank, the World Economic Forum, and the United Nations. He is a visiting lecturer with Cambridge University as well as a TEDx speaker and is Chair of Nordic Future Innovation and a non-executive director of 11:FS.  Chris is also the author of sixteen best-selling books, including Digital Bank, ValueWeb and Digital Human as well as a children's book series, Captain Cake and the Candy Crew. His newest book, Digital For Good: Stand for something…or you will fall has recently been released last June 1, 2022.  He is also a regular commentator on BBC News, Sky News, CNBC and Bloomberg, Chris serves on various financial and fintech advisory boards, including B-Hive, Bankex, empowr, IoV42, Innovate Finance, Life.SREDA, Moven, Meniga, Pintail, Project Exscudo and Token Fund.  ------------------------------------------------Episode Guide:1:34 - What is Innovation?3:12 - Innovation before primetime5:20 - Financial Services, 3G-to-5G evolution, cloud computing, 3d printing7:33 - Facial Recognition: Mastercard and Alipay8 :36 - Defining 'Innovation Reapplication'9:58 - Wallet applications14:19 - Cash Machines: Why online banks still open physical branches17:28 - Upcoming Trends: Technology in Financial Industry21:01 - Blog post: "The best job in banking: Chief Cannibal"23:24 - What isn't innovation?  26:12 - Changes in the music industry28:15 - FinTech: innovations behind the scenes29:35 - Brazil's Nubank31:01 - China's Alipay and WeChat Pay33:20 - "Bankenstien"3402 - Advice for innovators-------------------------Resources Mentioned: Companies/Institutions: AlipayWeChat PayBrazil's NubankBlogs:The FinanserThe best job in banking: Chief Cannibal by Chris Skinner--------------------------OUTLAST Consulting offers professional development and strategic advisory services in the areas of innovation and diversity management.

On this episode of Scouting for Growth, Sabine VdL interviews Nicole Anderson, Founding Partner at Redsand Ventures who supported Sabine's acceleration programs over a 5-year period by providing those startups with proposition design and go-to-market strategic thinking. These two skill-sets are so important to gain customers and access capital. On this episode, they talk about Nicole's journey from a FinTech venture builder to a sustainable investor.   KEY TAKEAWAYS I have sat now, effectively, in almost every seat around the table when it comes to looking at what investible ventures look like, feel like, and what success should and could be. Thankfully, I've had to go through the toughest schooling to make venturing successful and break through some of the barriers in financial services. It has always been a big aspiration of mine to break down the barriers of consumerism and finance. The path I've been on is a perfect platform to learn how to access capital because there is money to be allocated in the world. There always will be. Still, it's only when you've taken the journey yourself and been involved at the grassroots that you understand fundamentally what needs to be done. You can immediately see what the true impact of investment could be. I've finally got to the point in my life where I'm bringing it all together. I'm just a do-er really and I've always done things the hard way. Building ventures is very very tough and all the lessons that came out of that eight years prepared me for one thing: The biggest success factor in a venture is firstly knowing your market and not assuming it's going to remain static. Secondly, thinking ahead of the market and remaining absolutely relevant with your value proposition. This requires a really strong degree of paranoia which then cascades down into how your business model evolves. Never make any assumptions that things are going to stay the same or you know your consumer/customer more than you think you do. Thirdly, everything fails without money. Money will always find a good opportunity, but never underestimate the runway you need to grow and scale. We are not a VC or private equity fund, we're a private equity structure that uses very innovative project financing techniques to deploy financial instruments across a varied portfolio and absorb quite a lot of risk for that portfolio by the way we've engineered the allocation of money. We don't invest at a very early stage, except in very strategic areas, but most of our work is in the growth phase of a venture, and we've moved well out of the area of financial services. I identified 5-6 areas – all verticals or industries – that I believe in. My goal is to build a stellar portfolio with one major investment in each one of them in order to make a significant impact in selected countries/regions, that's the strategy we've taken.   BEST MOMENTS ‘Like anything in life, the best opportunities come to you rather than you chasing them down. Often, what you think you want is not actually good for you.' ‘I knew that if I was going to be successful I needed to sit on the money myself and be master of my own universe. By hook or by crook I was going to do what it took to find ways in which to build my own investment structure, so I set up a fund.' ‘The real frustration of many entrepreneurs is that their innovation which is often in the area of green innovation was being misunderstood. I wanted to fill that gap.' ‘We're in an evolution phase. Anyone in the spectrum of grassroots investing right up to multi-fund structure is in the adoption phase of some kind of strategy linked to sustainability and ESG.'   ABOUT THE GUEST Nicole is a venture builder, investment (corporate venture, VC, family office, and token/digital asset) advisor. As a multiple-time technology entrepreneur (CEO & Founder) and an innovation thought leader, she has gained an in-depth knowledge of crypto technologies, blockchain, and green finance. Passionate about technology business models that are challenging the status quo and providing greater inclusion for people globally and having a positive impact on our environment, she has focused her lens on the intersection between emerging technologies and emerging markets both physical and virtual. Her company Redsand Ventures, works with corporate visionaries and professional investors who are unfaltering in their execution of the green economy. It sits at the intersection of disruptive business models, and sustainable real estate as an investment opportunity. Redsand Ventures has built and exited over 10 disruptive ventures in financial technology in the last 7 years. Voted Innovator of the Year, 2017 by the South African Chamber of Commerce, Top 100 Women in FinTech 2016 by Innovate Finance, and included in the Power Women of FinTech 2015, 2016, and 2017, Nicole is also active in the London and European start-up acceleration, incubation and growth arena working as an advisor and mentor to Level39, Startupbootcamp FinTech, London Tech Advocates – Women in Tech and FinTech workstreams.  Nicole serves as an industry thought leader and has featured on numerous panels and speaking circuits. She is a contributing author to The FinTech Book, exploring the role of corporate venturing as a catalyst for innovation in FinTech. She is also a co-editor of the InsureTech Book. Both books are published by Wiley. She has an Honours Degree in Information Systems and Economics from the University of Witwatersrand, South Africa, and graduated from the Institute of New Economic Thinking, Barnard College, Columbia University, New York specializing in the Economics of Money and Banking, and a Green Finance Professional from the Chartered Institute of Bankers. Website: https://redsandventures.io/    ABOUT THE HOST Sabine is a corporate strategist turned entrepreneur. She is the CEO and Managing Partner of Alchemy Crew, a venture lab that accelerates the curation, validation, and commercialization of new tech business models. Sabine is renowned within the insurance sector for building some of the most renowned tech startup accelerators around the world working with over 30 corporate insurers and accelerating over 100 startup ventures. Sabine is the co-editor of the bestseller The INSURTECH Book, a top 50 Women in Tech, a FinTech and InsurTech Influencer, an investor & multi-award winner.  Twitter: SabineVdL LinkedIn: Sabine VanderLinden Instagram: sabinevdLofficial Facebook: SabineVdLOfficial TikTok: sabinevdlofficial Email: podcast@sabinevdl.com Website: www.sabinevdl.comThis show was brought to you by Progressive Media

YouTube: https://www.youtube.com/channel/UCsCfKLN1u1cL_luwY5qR4YwApple Podcast: https://apple.co/2Hhg4gB​​ Spotify: https://spoti.fi/3kKZQKlSearching for Mana is a UK-based podcast which focuses on tech innovation in finance, and features interviews with influencers, leaders and founders in the fintech space, from unicorn companies to financial disruptors. Previous guests have included the Director of Growth at Oaknorth, the CEO of BCB Group (the UK's first licensed crypto bank), the CEO of Innovate Finance (the industry body for UK fintech) and Ed Vaizey, the UK's longest serving Minister for Technology. Each hour-long episode gains insight into how the guest got into fintech, what they're currently focused on, what their companies are all about, as well as some of the important trends within the wider fintech sector. The show is presented by Lloyd Wahed, a London-born tech entrepreneur who has founded two recruiting firms, Athelstan Search and Mana Search and has successfully helped scale a number of unicorn technology companies. Follow Mana Search on Twitter: https://twitter.com/manasearchuk​​ Follow Mana Search on LinkedIn: https://www.linkedin.com/company/mana-talent/

On this week's Tech Weekly episode, City A.M. reporters Charlie Conchie and Lily Russell-Jones chat to Alex Marsh, Head of Klarna UK. They go through the Innovate Finance fintech summit, Buy Now Pay Later regulation and the UK's financial regulation post-Brexit; measures needed to protect consumers from debt; what role services such as Klarna are playing amidst the cost of living crisis; and why Klarna is different to traditional banks and credit card providers. Nasson and Charlie also talk to Lily about the UK government's pivot to stablecoins and NFTs this week: they go through the implications of the announcement; discuss the controversies surrounding Tether, the stablecoin of the moment; and outline why Central Bank Digital Currencies (CBDCs) and stablecoins are different. See omnystudio.com/listener for privacy information.

Today Andy Silvester chats to City A.M. reporter Charlie Conchie, and whistles through the main headlines you need to know. Andy and Charlie go through this week's fintech Innovate Finance summit -- they discuss the London Stock Exchange CEO's candid comments yesterday on bosses needing a pay boost; Ron Kalifa's views on the mindset shift needed by investors to be willing to back long-term growth opportunities in the UK; the Klarna CEO's perspective on the UK's approach to financial regulation post-Brexit; and the political push on crypto and NFTs. And in the headlines, the boss of crowdfunding platform Seedrs has hit out at regulators, claiming that they're stifling growth; the Bank of England is expected to hike interest rates four more times this year, the fastest pace since 1988; and two of Lidl's adverts have been banned. See omnystudio.com/listener for privacy information.

Jacqui Cooper. JD MA LDT, NBCT (Host: CryptoMom2 Talk Show & Global Blockchain Business Council Media Ambassador) speaks with Sandra Ro (CEO: Global Business Blockchain Council) about the Executive Order issued by the White House & trends on the blockchain. White House Executive Order: https://www.whitehouse.gov/briefing-room/presidential-actions/2022/03/09/executive-order-on-ensuring-responsible-development-of-digital-assets/ The Global Business Blockchain Council is committed to furthering adoption of blockchain technology to create more secure, equitable, and sustainable societies. The #GBBC mission is guided by three Pillars of Success: PARTNERSHIPS | ADVOCACY |EDUCATION The GBBC represents more than 350 institutional members worldwide. https://gbbcouncil.org/about/ The Global #Blockchain #Business Council (GBBC) is the leading global industry association for the blockchain technology ecosystem. Conceived during the Blockchain Summit on Sir Richard Branson's Necker Island, the GBBC is a #Swiss-based non-profit launched in 2017 in #Davos, Switzerland with more than 350 institutional members, and 178 Ambassadors from 95 jurisdictions and disciplines. The organization is dedicated to furthering adoption of blockchain through engaging regulators, business leaders, and global changemakers on how to harness this ground-breaking technology to create more secure, equitable, and functional societies About Sandra Ro: Sandra Ro is CEO of Global Blockchain Business Council (GBBC). She was named to the Innovate Finance, Women in Fintech 2016 Power List and holds directorships on several industry boards as well as advises and invests in emerging tech start-ups across blockchain, robotics, digital assets, IoT, VR/AR. She cofounded UWINCorp: Unleashing Wealth in Nations, focusing on farmers' asset registry and collateral management solutions utilizing mobile and blockchain technologies in sub-Saharan Africa and Caribbean. Initially a founding Board member, Sandra was appointed to CEO of the Global Blockchain Business Council in 2018, a Swiss non-profit focusing on education, advocacy & partnership across over 40 countries. She also serves on the US Department of State Speakers' Bureau for blockchain / security, the EU Blockchain Observatory & Forum: Use Cases & Transition Scenarios Working Group, the NYC Blockchain Center, and the Global Blockchain Policy Council (GBPC). Ro holds a M.B.A. in Finance from London Business School, studied Computer Science at Columbia University, School of Continuing Studies and earned a double B.A. Degree in History and Studies in the Environment from Yale University. About Jacqui Cooper: After years in the fields of business, education & law, she decided to combine her passions. Now, she is helping others learn about this developing creative technology area. Her focus is to help empower everyone's learning to provide the tools needed to make empowered decisions. She is the author of The Best 5 Minute Crypto Wealth Organizer & The Bitcoin Cinderella & Her Adventures on the Blockchain (The 1st Web3 fairytale series). She founded CryptoMom2 Consulting is a full service concierge firm dedicated to supporting success within the blockchain by providing education & ongoing resources. Her educational background includes: Vassar College (NY) B.A.; Hastings College of the Law (CA) - J.D.; Notre Dame of Maryland University (MD) - MA LDT; National Board Certified Special Education Consultant - NBCT. Connect with Jacqui to discuss what resources you need by visiting www.cryptomom2.com

In this episode of Tech Weekly, City A.M. reporters Lily Russell-Jones and Charlie Conchie talk to Janine Hirt, CEO of Innovate Finance, about how the firm is attempting to overhaul current fintech regulation; what this would mean for fintechs in the UK; and the UK's international competitiveness in this space. Lily also takes us through the latest in crypto news -- Warner Music Group is moving into play-to-earn blockchain gaming; and crypto exchange FTX has similarly launched a new gaming division which would allow videogame developers to introduce in-game NFT and crypto purchases. See omnystudio.com/listener for privacy information.

On this episode, Sabine VdL interviews Helene Panzarino, author of Reinventing banking and finance, A Framework to navigate global FinTech innovation which was published in November 2020 on Amazon. The pair discuss the book and the key insight Helene provides to reinvent the banking business model. KEY TAKEAWAYS We assume banking has always been what banking is today. In the early days (1200s Italy) hyper-personalisation was going on for aristocrats and the like, now FinTech is the full circle back to hyper-personalisation but we’re doing it at scale, digitally. The industrial revolution had a very big impact on banking, as it did on every other aspect of society and economy. There’s now mass-servicing which took away some of the personalisation and the individuality of banking which intensified through the IT side of banking in the 1950s where we were able to use technology to store and process more data as well as begin to give more products and services to a wider audience. The more recent digital revolution and the internet allowed us to do our banking online and the smartphone brought that to its apex so you have a bank in your pocket. In five years’ time, we’ll be able to DIY our own bank and choose between different products and services, this is where FinTech will come into its own. It took banking ages to realise that the threat that came from outside, posed by the insurance industry, was greater than the threat coming from inside. Insurance and InsurTechs had a much better collaborative partnership relationship from the get-go, whereas banks and FinTechs were adversaries. FinTechs have now grown up and are aware that they need their parents if they’re going to scale and they’re working very well collaboratively now, but I applaud the insurance industry for getting there first. BEST MOMENTS ‘Everyone must now have a global view, no one can stay confined in his/her geographical space.’ ‘The pandemic has shown us the inadequacies for some banks’ desktops, platforms and apps. Consumers are now using those apps, including the non-digital natives who used to visit banking branches in person and weren’t used to digital engagements.’ ‘If you’ve created a startup bank, you need to remember that you’re operating In a regulated industry and if you ‘colour outside of the lines’ the regulator is going to come down on you. So, make sure to bring in experienced people to your C-Suite or Board.’ ‘Everyone knows how to innovate, but everyone does not know how to execute. You need to be given space and the finance to fail. It needs to be OK and not damaging to your growth path or career prospects if you’re going to fail too. Acceptance of different growth paths need to be accepted from the top, if that openness doesn’t permeate from the top-down then nobody’s going to try to grow smartly or differently.’ ABOUT THE GUEST Originally a Commercial Banker, Helene is an experienced FinTech Programme Director, exited entrepreneur, educator, and author. Her book ‘Reinventing Banking and Finance: Frameworks to navigate global FinTech innovation’ came out in Sept 2020, https://www.amazon.in/Reinventing-Banking-Finance-Frameworks-Innovation/dp/1789664098 Previously the MD of the global Rainmaking Colab FinTech Programme, a world-first, post-accelerator program for Series A+ FinTechs and Tier 1 financial institutions, Helene was also responsible for the Inaugural Programme of Education and Events for Innovate Finance. She is an Associate Director of the LIBF Digital Banking Centre, the Lead Fellow, and creator on a world-first FinTech Pathway in a Masters in Tech Entrepreneurship Degree for UCL, and co-creator and lead delivery partner on the Imperial College FinTech Executive Education Programme. Her specialist subject areas are Digital Banking and Alternative Finance (SMEs). She is also the CEO of the New Financial Laboratory enabling community banks and building societies to engage with the global FinTech community. A regular judge, speaker, and moderator for the banking and FinTech awards and conferences, Helene was a BSI FinTech representative for the UK in Brussels, named on the Computer Weekly 100 Women in Tech Award 2018-19 and on the Innovate Finance Women in FinTech Power List for 2019. You can discover more about Helene's book here > reinventing banking and finance. ABOUT THE HOST Sabine is a corporate strategist turned entrepreneur. She is the CEO and Managing Partner of Alchemy Crew, a venture lab that accelerates the curation, validation, and commercialization of new tech business models. Sabine is renowned within the insurance sector for building some of the most renowned tech startup accelerators around the world working with over 30 corporate insurers and accelerating over 100 startup ventures. Sabine is the co-editor of the bestseller The INSURTECH Book, a top 50 Women in Tech, a FinTech and InsurTech Influencer, an investor & multi-award winner. Twitter: SabineVdL LinkedIn: Sabine VanderLinden Instagram: sabinevdLofficial Facebook: SabineVdLOfficial TikTok: sabinevdlofficial Email: podcast@sabinevdl.com Website: www.sabinevdl.com This show was brought to you by Progressive Media

Genevieve Leveille, the founder and CEO of AgriLedger, is using blockchain to improve one of humankind's oldest industries. Agriledger is on a mission to revolutionize agriculture and provide a better life for farmers by leveraging new technologies to enable trust and transparency in the agriculture ecosystem. Providing traceability from seed to customer. Originally from Haiti and now based in the UK, Genevieve has a reputation for the delivery of disruptive technologies in large-scale projects, and is recognized as an authority in the realm of digital identity and financial transformation. She is vice-chair for the techUK Distributed Ledger Technologies (DLT) Working Group, an organization that provides strategic direction for all UK activities related to blockchain and DLT; an inaugural member of the Advisory Group for the Estonian Government's eResidency initiative for the digital identity; finalist in the Women in IT Awards 2016 (Security Champion); recognized by Innovate Finance by inclusion on their “Women in 2016/17 Fintech Power List”. You can follow Genevieve on Twitter. In this episode we discuss: What 60% of the world's population has in common The lesson from NFT's (non-fungible tokens) that can be used to sustainably lift the bottom 40% out of poverty Creating a more equitable system for the largest global industry The test project that increased Haitian mango farmers income by 7x How agriculture shaped start-up vernacular, and what start-ups can teach agriculture How repurposing blockchain technology can reduce child mortality Key Takeaways: How much waste there is in the current food ecosystem, and the considerable impact on solving food insecurity and reducing hunger that can happen from increasing food distribution effectiveness. We've all heard of blockchain, which is a type of distributed ledger technology. And while blockchain remains shrouded in mystery for most of us, distributed ledger technology has the potential to change the way markets function. For example, by allowing artists to make money with each subsequent sale of their art (instead of just the first sale), or by allowing farmers to receive a greater share of the value from their harvest. This is a great example of the power of repurposing innovation from one industry to another. Certain crops grow best in certain places. This took me back to economics 101 and the concept of competitive advantage, which refers to factors that allow a company or country to produce goods or services better or more cheaply than its rivals. No country wants to be completely food insecure (dependent on imports from other countries to feed itself) but, maybe not every country needs to be producing avocados. One thing that COVID has demonstrated is just how integrated the globe is, and how, if we work as a globe to solve problems, we are able to move mountains in record time. If we were to look at the food ecosystem more holistically from a global standpoint, I wonder what would happen,what changes we would make, and how value would be redistributed around the globe. References: Agriledger Taxol is a brand of the cancer drug paclitaxel Memorial Sloan Kettering Cancer Center in New York Yo! MTV “Digital identification: A key to inclusive growth”, McKinsey Global Institute, 2019 The OECD site on blockchain and distributed ledger technology "A Problem from Hell": America and the Age of Genocide by Samantha Power “What Are NFTs, Anyway? One Just Sold for $69 Million.“, Josie Thaddeus-Johns, The New York Times, March 11th, 2021 The World Bank site on global agriculture Centers for Disease Control information on E. coli outbreaks affecting romaine lettuce Food & Drug Administration information on Walmart's voluntary recall including mango World Health Organization factsheet on food safety, 2020 Wageningen University, the Netherlands, project in Haiti Connect & Share: If you enjoy the podcast, would you please consider leaving a short review on Apple Podcasts/iTunes? It takes less than 60 seconds, and it really makes a difference in helping to convince hard-to-get guests. I also love reading them! If this episode resonated with you, I ask you to send it to a friend. Help bring even more visibility to these leaders that are using business as a force for good! Subscribe to the podcast to make sure you don't miss future episodes. This podcast is for you, the listener. I'd love to hear what resonated with you, or if you have a suggestion on who would be a great guest for this show. Please send me a note at info@KathyVarol.com. If you want to work with me to embed purpose into your business, go to www.KathyVarol.com.

In today's episode, Melissa Frakman, Founding Partner @Emphasis Ventures (EMVC), joins our host Digjay, and talks about the Indian fintech ecosystem, the importance of having advisors/investors that have diverse perspectives & access to global networks and why adopting a collaborative approach is a good bet when building for a complex market like India. EMVC is an early-stage VC fund that invests in fintech startups in India and other high-growth markets. Melissa brings 15 years of experience participating in India's digital revolution and is a sought-after advisor for Indian founders interested in going global. Named on the “Global Fintech PowerList” by Innovate Finance, Melissa has led Asia early stage investments, supported new market strategy, and built partnerships for several Fortune 100 companies. Melissa also serves as a mentor to accelerators like Techstars India and Village Capital. She is based in Washington, DC and Mumbai. You can connect with her on Linkedin / Twitter ---- If you liked our episode, you can subscribe to our podcast on any of the major podcasting platforms like Spotify, Apple iTunes and Google Podcasts. Please leave us a review on Apple iTunes to help others discover this podcast. You can visit thevcpreneur.com and follow us on Twitter @thevcpreneur_ & Instagram @thevcpreneur for more episodes and interesting insights on the startup ecosystem. You can also follow our host Digjay on Linkedin & Twitter ---- Show notes – 1. (01:35) Melissa's connect with India's fintech ecosystem 2. (03:22) Starting Emphasis Ventures (EMVC) with focus on providing global connectivity to early stage startups in India 3. (05:10) Why is it important to have access to a cross-border network and advisors with diverse viewpoints? 4. (08:40) Backing founders with unconventional backgrounds and those who do not have a proven track record; Approach for such founders to stand out and attract attention from top VCs 5. (12:30) What should founders focus on when building a fintech product in India? 6. (15:10) Adopting a collaborative approach to scale up & survive the fintech competition 7. (17:30) Focus areas for early stage founders 8. (19:15) Key strengths and areas of improvement for the Indian startup ecosystem vs it's peers 9. (22:10) Fintech domains that Melissa is excited about 10. (24:30) Rapid fire and closing remarks

Melissa Frakman is the founder & managing partner of Emphasis Ventures (EMVC), a venture capital fund investing in early-stage fintech startups in India. She brings 15 years of experience participating in India's digital revolution to bridge worlds for entrepreneurs and companies. Named on the “Global Fintech PowerList” by Innovate Finance, Melissa has led early stage investments in asia, supported new market strategy, and built partnerships worth over $1 billion for 15 of the Fortune 100 companies. Follow Melissa (@melissafrakman), host Akash Bhat (@bhatvakash) and our podcast (@thedesi_vc) on Twitter. . . .The Desi Startup of the Week:Piggy: Piggy is a next generation mutual fund investment app that simplifies investments. . . .In this episode, we will cover: 1. Sectors within FinTech that have stood out during the pandemic (4:12)2. Melissa's journey so far (5:46) 3. Why does Melissa think India has a more robust and advanced FinTech ecosystem than other markets (10:48) 4. FinTech: Bundling vs Unbundling (14:00) 5. FinTech investment trends and risks associated with investing in the space (17:04) 6. The FinTech opportunity: Urban, Middle and Rural India (19:43) 7. FinTech challenges within rural India (24:05)8. Educating the masses: Is it the role of the govt. or startups? (25:53) 9. Innovation with UPI (28:15) 10. Assessing FinTech startups (31:16) 11. Traditional financial institutions: opportunity or threat? (35:37)12. How does EMVC add value to their portfolio (37:58)13. Rapid fire (40:23) 14. Ways to get in touch with Melissa (48:20)