FinTech Futures

In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Nick Fahy, CEO of UK-based Cynergy Bank, to explore the evolving business banking landscape in the UK and how Cynergy Bank is carving out its position in an increasingly competitive market. Nick discusses what the company’s ‘human-digital bank’ philosophy means in practice, how Cyner...

In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Rolf Njor Jensen, VP of Technology at Nordic digital bank Lunar, to explore the concept of invisible banking and what it means for the future of how customers interact with their money. Rolf discusses why the interface customers use to manage their finances is changing, moving away f...

In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Evelien Witlox, director of the digital euro project at the European Central Bank (ECB), to explore how the ECB is working to bring its central bank digital currency (CBDC) from concept to reality. With the project currently in its pilot phase, Paul and Evelien discuss the latest dev...

In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by David Crawford, Chief Strategy and Transformation Officer at Pay. UK, to explore how AI is revolutionising payment infrastructure and what this technological shift means for the UK's critical national payment systems. David discusses the current state of the UK payments ecosystem, ex...

In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Debopama Sen, Head of Payments, Services at Citi, to explore the rapidly evolving global payments landscape, examining how emerging technologies and regulatory developments are reshaping the future of institutional payments and cross-border transactions. With stablecoins gaining sign...

In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Timothy Flacke, co-founder and CEO of Commonwealth, to explore the critical work of advancing financial inclusion for families and individuals in the US, and how Commonwealth has been at the forefront of testing and scaling innovative solutions to help consumers build financial secur...

In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Margaret Ryan, SVP and Head of Product for Amex Digital Labs, to explore the rapidly developing world of agentic commerce and agentic payments and how American Express is positioning itself at the forefront of this evolution. Margaret discusses the current state of play with agentic...

In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Seth Moran, SVP, General Manager of Digital Banking and Strategic Markets at Equifax, to explore the evolving landscape of fraud and credit risk. Seth explains how synthetic fraud is exploiting new entry points through deposit accounts, how AI has dramatically lowered the barrier for...

In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Ryan King, co-founder of US fintech Chime, to learn more about Chime's development and deployment of ChimeCore, its proprietary core banking platform. Ryan discusses the factors that drove the decision to build rather than buy, how the team successfully migrated more than 9 million m...

In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Jude Melville, CEO of b1BANK, to explore how US regional banks are actively embracing AI to compete in an increasingly technology-driven industry. Jude discusses how b1BANK, the largest Louisiana-headquartered regional bank by assets with a significant and growing presence in Texas,...

In this episode of the What the FinTech? podcast, recorded live at Money20/20 Europe in Amsterdam, host and FinTech Futures Managing Editor Paul Hindle is joined by Lee McNabb, Payment and Digital Asset Lead at NatWest, to explore the growing role of digital assets in payments and financial services, and how banks such as NatWest are positioning themselves to lead in this rapidly evolving landscap...

In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Cassie Craddock, Managing Director for UK and Europe at Ripple, to explore the work Ripple is doing to transform cross-border payments through blockchain technology and stablecoins and learn more about the company’s expansion plans. Paul and Cassie discuss how Ripple's recent EMI lic...

In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Bill Borden, Corporate Vice President of Financial Services at Microsoft, to explore how agentic AI is being developed and deployed in financial services, and the impact it’s having on innovation, security, and governance in the sector. The conversation delves into the trends shaping...

In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Simone Löfgen, Global Head of Payment Platforms at Commerzbank, to explore the key trends, challenges, and innovations shaping the payments industry in 2026. The conversation covers the current state of play with payments in Europe, the impact of evolving regulations, and the opportu...

In this episode of the What the FinTech? podcast, host and FinTech Futures managing editor Paul Hindle is joined by René Michau, Global Head of Digital Assets at Standard Chartered Bank, to explore the growing impact of stablecoins in financial services and their potential to reshape key areas of banking and payments. The conversation covers the current state of play with stablecoin adoption in ba...

In the latest episode of the What the FinTech? podcast, Gabriella Kindert, CEO of Snappi, joins to explore the Greek digital banking landscape and share how the challenger developed its tech stack. Gabriella sits down with FinTech Futures reporter Cameron Emanuel-Burns to compare the Greek neobanking ecosystem with its European counterparts and discuss the key challenges Snappi and other digital b...

In this episode of the What the FinTech? podcast, host and FinTech Futures editor Paul Hindle is joined by Dr Subodh Kulkarni, CEO of Rigetti Computing, and Dr Simon Plant, Deputy Director for Innovation at the UK’s National Quantum Computing Centre (NQCC), to explore the fascinating world of quantum computing and its transformative potential for financial services. The trio discuss the current st...

In this episode of the What the FinTech? podcast, host and FinTech Futures editor Paul Hindle is joined by Irina Chuchkina, Chief Growth Officer for Wallet in Telegram, to explore how digital wallets and super-apps are transforming the way people interact with money, commerce, and technology in their everyday lives. The conversation covers how Wallet in Telegram is revolutionising financial intera...

In this episode of the What the FinTech? podcast, host and FinTech Futures editor Paul Hindle is joined by Ruwani Hewa, Director of Payments at Starling Bank, to explore the world of embedded finance and how Starling is tapping into the huge potential of the sector through its Starling Banking Services unit. The conversation explores how Starling Banking Services fits into the broader embedded fin...

In the latest episode of the What the FinTech? podcast, we're joined by Francesco Filia, founder and CEO of Fasanara Capital, to delve into emerging investment trends and strategies for identifying high-potential fintech companies. Francesco sits down with FinTech Futures reporter Cameron Emanuel-Burns to explore how the UK fintech ecosystem stacks up against global counterparts. They also discuss...

In this episode of the What the FinTech? podcast, host and FinTech Futures editor Paul Hindle is joined by Richard Ullenius, Vice President of Global Banking and Financial Services at CSG, to explore why the next era of banking demands reimagination rather than incremental transformation, and the defining factors that will set leading banks apart over the next five years. The conversation covers h...

In the opening episode of season seven of the What the Fintech? podcast, we’re joined by Ted Paris, Head of Analytics, Intelligence, and AI at TD Bank, to discuss the evolving role of AI in financial services and how customers are embracing AI within banking. Ted and FinTech Futures editor Paul Hindle discuss the findings of TD’s recent survey on how Americans perceive and interact with AI in fina...

In the final episode of season six of the What the FinTech? podcast, host Paul Hindle is joined by FinTech Futures columnists and fellow podcast hosts Dave Wallace and Dharmesh Mistry to take a look back at some of the biggest trends to come out of 2025 and discuss what the new year might bring for the financial services sector. The discussion covers topics including agentic AI, stablecoins, neuro...

In the latest episode of the What the FinTech? podcast, we’re joined by Natasha Sarin, Senior Product Owner, Data and AI at Lloyds Banking Group, to discuss the evolving relationship between traditional banking and artificial intelligence. Natasha and FinTech Futures reporter Cameron Emanuel-Burns delve into Lloyds' generative AI strategy, showcase current use cases enhancing internal operations,...

In the latest episode of the What the FinTech? podcast, we're joined by two of BeHive Consulting's co-founders, CEO Rachel Altmann and Chief Behavioural Scientist Noemi Molnar, to delve into how behavioural science influences financial decision-making. The conversation explores how the growing trend of digital transformation is reshaping our psychological relationship with money and the key psycho...