Dave and Dharm DeMystify

Joseph Edwin is one of the OG’s of digital transformation. He has worked Client Side for Nordea and Commonwealth Bank of Australia and now is a partner at Bain & Co, focused on helping companies succeed as they transform. Joe does an incredible job of demystifying transformation and telling us about the recipe for success!

Our guests are Mathias Wikström, CEO Doconomy and Henrik Rosvall CEO of Dreams Technology. We chat about the recent acquisition of Dreams by Doconomy and why connecting Carbon Data with finance and behavioural science is critical to help achieve net zero goals. >> Please note that Mathias was in an airport when we recorded the podcast, so there are occasional sound quality issues <

Founder, CEO and Author Matt Phelan chats to us about the Happiness Index, a neuroscience-based platform offering products, insights and tools to shine a light on the cultural health of an organisation.

In this week's episode, we chat with Andrew Barnes, a leading advocate and spokesperson for the 4-day week. Andrew talks about how a trial with his own company turned into a global movement before tackling the benefits and practicalities.

Norris Koppel founded Monese after he moved to the UK and found that opening a bank account was anything but simple. So he decided to fix the problem and launched in September 2015 as the UK's first mobile app alternative to the banks. Norris and Atul talk about Monese and what makes it so special and successful.

Paul Taylor, CEO and Founder of Thought Machine, talks about his background, why he founded the business, and the journey Thought Machine has been on.

Michael Zyber, CEO of Metro AG Financial Services, and Wojciech Sass, Co-founder of Vodeno, talk about how the Vodeno BAAS platform has enabled Metro AG to launch embedded banking products to support its customers and build loyalty.

FAB's Chief Sustainability Officer Shargiil Bashir talks about the critical role of banks in supporting an ESG agenda. As well as addressing the broader aspect of ESG, banking and the Middle East, he discusses why it is so important to FAB and the approach he is taking to ensure that it makes a difference across the bank.

An exclusive interview with Antony Jenkins, founder and CEO of 10x banking. He talks about 10x, including its history from inception to the present day and his future vision for it.

Fabian Mohr, CEO of UnitPlus and Johan Hellman, CEO of ETFmatic talk about UnitPlus, a new product offering customers instant access through a debit card to their investments. It is true product innovation in the fintech space!

In this episode, it's back to the 2 D's alone. Dharm demystifies the topic of Composable Banking for Dave.

Hubert Danso is the CEO of the institutional infrastructure investment platform, Africa Investor. Hubert talks to us about the potential of Africa to drive a green industrial revolution, and the importance of investment to make that happen.

Our guest this week is Gail Bradbrook, one of the founders of Extinction Rebellion (XR). We talk to Gail about the Climate Emergency, the aims and approach of XR and why Gail believes that the entire financial system has to change.

This week we welcome Aiko Yamashita, leader of the Norwegian Bank DNBs ESG data task force. Aiko talks about what they are doing, why they are doing it and how it is being accomplished.

We welcome Peter Glyman from Jack Henry and Ben Soppitt from Unifimoney to chat about the work that they are doing together to bring an investment solution to the Community Finance Institutions. Through Jack Henry's Banno solution, Unifimoney enables Community Banks and Credit Unions to offer their customers investment solutions, including cryptocurrencies.

Araminta is the founder of Mint Studios, a content specialist company working with Fintechs to maximise the sales opportunities of focused and SEO-friendly content. She chats about how to use content to drive acquisitions.

In this episode, our guest is Theodora Lau, joint author of the book "Beyond Good". We chat with Theo about the book and some of the stories it spotlights. We also talk through some of the emergent trends in fintech, such as #BNPL, which are not always positive forces for change.

Simon talks to us about the payments side of open banking, and why this is an emergent opportunity that he identified with the launch of his latest venture PENG which provides an alternative to cards for point of sale purchases. To find out more: https://www.youtube.com/watch?v=KFOAxDBE-TA And https://pengpay.io/

We discuss with Kareem Saleh of Fairplay how bias has found its way into the algorithms that financial institutions use for decision making, and what Fairplay is doing to address the issue.

In this special episode for Earth Day, we chat with Communique's Gihan Hyde, ecolytiq's David Lais, and the author and fintech expert Chris Skinner about how financial services can respond positively to the challenges of our impact on the planet!

We chat with Maria Harris from the Digital Cat Consultancy about the changes she is working on regarding how homes are bought and sold in the UK as Chair of technology for the Home Buying and Selling Group.

In this episode, we chat with Stina Söderqvist, Science Manager from Dreams, a Customer Engagement and Well-Being platform from Stockholm. Stina talks about how they are using behavioural science to create a product that is focused on making saving as easy as spending.

This week's guest is Guy Dickinson, the founder of Betacarbon, a fintech hailing out of Sydney, Australia. Guy talks to us about the problems with offsetting, and how Betacarbon is looking to help towards a net-zero future by tokenising carbon credits.

We chat with John Findlay, CEO and Co-Founder of Lemonade XP, a learning experience and digital adoption platform that is designed specifically for financial institutions.

In this special episode, Dharm and I chat to Lou Carlozo from the Bankadelic podcast about what we think is important!