IBS Intelligence Global FinTech Interviews

Fanis Mesologitis, MD in Banking, Profile Software Generative AI is moving from experimentation to enterprise adoption—what will it take for banks to scale AI securely, build trusted data foundations and deliver measurable business value? Puja Sharma of IBS Intelligence speaks to Fanis Mesologitis, Managing Director, Banking at Profile Software , about how financial institutions can move beyond AI...

Sena Bahadir, Senior Sales Manager-GCC, Fimple Digital banking provider Fimple is helping financial institutions across the GCC modernise their banking infrastructure through cloud-native, API-first and composable technology. Its real-time core banking platform can support banks as they integrate AI across customer experience, fraud detection, risk management and compliance, while improving data r...

João Moura, CEO & Co-Founder, Fraudio Fraudio claims to decomplexify and disrupt the payment fraud detection and anti-money laundering industries with its patent pending AI super brain. CEO João Moura speaks to Robin Amlôt of IBS Intelligence, discussing where AI is delivering real value now and what comes next for fraud, financial crime and payment risk. 

Fayza Benayad, Global Partnership Head, Fimple Digital banking provider Fimple is focused on using cloud-native, API-first banking technology to expand financial access for underserved SMEs and NGOs across Africa. Its composable banking architecture, real-time payments, digital onboarding and embedded finance capabilities can help financial institutions deliver more accessible and tailored service...

Pramit Bhargava, Founder of Louie Voice, Clayfin Digital banking provider Clayfin has acquired voice technology platform Louie Voice to strengthen its AI-driven customer experience and accessibility capabilities. The acquisition adds advanced voice AI to Clayfin’s Cognitive Banking platform, enabling customers to interact with banking services and perform transactions using natural voice commands....

Rob Mason, Director, Regulatory Intelligence, Global Relay Financial services providers have been reassessing their communications compliance strategies, according to a recent report by Global Relay. The report found that 66% of financial services firms now ban communications channels – the highest percentage in the annual survey’s four-year history and a significant jump from 2025 when the figure...

  Mohamed Moniem, Vice President – ME Region, nCino, speaks to Puja Sharma about how AI is moving banking from automation to predictive, insight-driven decision-making , covering its impact on lending, customer engagement, risk and banking infrastructure , while highlighting the need for trust and responsible AI adoption.

Chandra Gnanasambandam, Chief Technology Officer & EVP of Product, SailPoint In the background, data that shows 80% of organisations reporting that AI agents are taking unintended actions left to their own devices. Indeed, agents are mutating irrespective of being denied access to systems. Agents need intent-based authorisation, not policy-based authorisation. Robin Amlôt of IBS Intelligence d...

Scott Liddle, Co-Founder, Capi Money There is a growing shift to FinTech actors in cross-border payments. Capi Money was established on the belief that this will also happen in Africa. Last year the London-based payments FinTech raised around $18 million in Series A funding. In January, the firm secured an Electronic Money Institution (EMI) licence from the UK Financial Conduct Authority (FCA), an...

This interview explores how AI-powered testing frameworks are revolutionising the financial services sector by enhancing regulatory compliance and data sovereignty . It highlights the shift from traditional manual processes to agentic automation , which allows for the creation of testing scripts before software development is even completed. The text emphasises that cybersecurity and functional te...

This interview explores how Fasset is expanding its global reach through plans to establish a regulated digital Islamic bank in Malaysia under the leadership of Rafiza Ghazali. By leveraging the Labuan financial framework, the company aims to integrate stablecoin technology with traditional Shariah-compliant services such as asset-backed savings and cross-border payments. The discussion highlights...

This interview with Eric Bierry , CEO of SBS, explores how modern banking is shifting away from basic technology toward advanced operational governance and open banking integration. Bierry argues that financial institutions must move beyond viewing compliance as a chore, instead using it as a foundation for innovation and superior data utilization. The text highlights how a composable, SaaS-first...

This interview explores the current state of artificial intelligence within the banking sector, highlighting the growing gap between high corporate expectations and practical technological limitations. The source emphasizes that financial institutions must prioritize robust data foundations and "context engineering" over simply adopting popular language models. A strategic framework is p...

This interview features Karthik Sethuraman of audax Financial Technology discussing the urgent necessity for digital transformation within the global banking industry. He argues that traditional financial institutions must modernize to remain competitive, yet warns against the historical failure of massive, high-cost overhaul projects. Instead, he advocates for an incremental approach that allows...

This interview features nCino CEO Sean Desmond discussing the company's strategic focus on integrating agentic AI into the global banking sector. Desmond introduces the concept of a "dual workforce," where specialized digital agents handle repetitive, data-heavy tasks to allow human bankers to prioritize client relationships and complex decision-making. The text highlights nCino&apo...

This interview with Aditya Tulsian explores a paradigm shift in how Indian MSMEs access the project economy by moving from collateral-based credit to digital trust infrastructure . The source argues that traditional bank guarantees stifle growth by freezing vital working capital , whereas surety bonds offer a way to verify performance credibility without immobilising cash. By implementing a digita...

This interview features Balaji Vasudevan of SysArc Infomatix, discussing the evolution of India’s digital lending through regulatory innovation and API-driven ecosystems. He emphasizes the RBI’s Regulatory Sandbox as essential for testing products like LENDperfect Shishu Mudra, which reduces compliance risks. SysArc’s API BUS streamlines bank-FinTech collaboration, while proactive tools like Early...

DN Prahlad, Founder and Chairman, Surya FinTech As banks move beyond AI experimentation to enterprise-wide deployment, Puja Sharma speaks with DN Prahlad, Founder and Chairman, Surya FinTech, on why the industry must shift its focus from AI hype to measurable business outcomes, how agentic AI is reshaping financial services, the critical role of data readiness, and the strategic priorities bank bo...

Booshan Rengachari, founder and CEO of Finzly As banks look beyond traditional core modernisation, the industry is increasingly focused on building a modern bank operating system that combines real-time payments, AI-driven intelligence, and connected financial ecosystems. Puja Sharma speaks with Booshan Rengachari, Founder and CEO of Finzly , about overcoming legacy constraints, enabling low-risk...

In this interview, Mambu CEO Fernando Zandona discusses the critical importance of securing younger customers , specifically Gen Z and Alpha, because bank loyalty often lasts a lifetime. These demographics demand fast, digitally native experiences that traditional institutions struggle to provide using outdated legacy systems. To remain competitive against agile neobanks, Zandona suggests that est...

This interview highlights the significant transformation of transaction banking as it moves from a traditional product-based model to an intelligence-led service. By utilizing API-driven architectures and real-time data, banks are now embedding financial capabilities directly into their clients' daily business workflows and internal systems. The text emphasizes how artificial intelligence and...

This interview outlines Murex’s strategic expansion into India’s rapidly evolving capital markets through the year 2026. This growth plan centers on providing sophisticated trading and risk management infrastructure to help local banks handle rising derivatives volumes and complex regulatory standards. By establishing a dedicated Mumbai office , Murex aims to leverage local technical talent and of...

This interview features Jean-Charles Duyck from SBS discussing a successful core banking modernization project for Fransabank France. Rather than a risky total system replacement, the approach utilized modular, cloud-native components to update digital services and instant payment capabilities. This incremental strategy allowed the bank to maintain operational stability and regulatory compliance w...

This interview talks about the financial sector is undergoing a massive shift from physical trading floors to cloud-based ecosystems that prioritise speed and global accessibility. This evolution is democratising market infrastructure, allowing smaller banks to utilise the same high-powered tools as major global institutions. However, many firms struggle with costly system fragmentation and siloed...

This interview explores the global shift toward unified real-time payment ecosystems, highlighting how interoperability and 24/7 settlement are becoming the new international standards. It details how traditional banks are adopting cloud-native stacks and API-driven architectures to modernise legacy systems and remain competitive against agile FinTech rivals. Key innovations such as ISO 20022 data...