IBS Intelligence Global FinTech Interviews

Srinivas Nidugondi, Chief Operating Office, Digital Financial Solutions, Comviva Technologies What makes digital payments better than cash? It’s a simple question with complex answers that change from country to country as digital payment solutions are shaped by the cultures in which they are embedded. It is clear, however, that fast or slow the rising trend in digital transactions is leaving cash...

Thomas Müller, Co-founder, Rivero Rivero is a SaaS FinTech, offering software to banks to assist in dispute management and fraud recovery, as well as payment scheme compliance management. The company’s solutions address inefficiencies in the back office of banking institutions. Robin Amlôt of IBS Intelligence speaks with Rivero Co-founder Thomas Müller.

Emily Steele, President, Savana Headlines in the UK and Europe still talk of bank branch closures, However, in the US there are signs of a resurgence in traditional banking, with almost 100 net new branches opening in 2023 and almost double that number in 2024. Despite the digital shift, even in Gen Z, when asked their preference, a majority would opt for personalised advice. There is an opportuni...

Rajesh Pai Fondekar, Group VP & Head of Product Management, Digital Financial Solutions, Comviva Technologies Consumers want fast and seamless payments but with frictionless payments comes the potential for increased risk of fraud. Rajesh Pai Fondekar, Group VP & Head of Product Management, Digital Financial Solutions, at Comviva Technologies, speaks to Robin Amlôt of IBS Intelligence abou...

Amit Jain, Partner and Head, IBS Intelligence  A one-size-fits-all approach won’t succeed in today’s dynamic FinTech market. Achieving market fit requires strategies aligned with customer needs and industry shifts. Product review and roadmap planning must prioritise flexibility and customisation for sustainable growth and competitive advantage. 

Bindesh Pandey, Group VP, Digital Financial Solutions, Comviva Technologies Banks have historically viewed FinTechs as disruptors – a view that many FinTechs would themselves take. However, times change, and technology evolves. Now the bank/FinTech relationship is more complex and nuanced. Competition is fierce in some areas while mutually beneficial collaboration is the order of the day elsewhere...

Biju Suresh-Babu, Managing Director, Banking & Financial Services, Fiorano Software The Central Bank of the United Arab Emirates (CBUAE) is developing an open finance regime that encompasses both banks and insurers. Biju Suresh-Babu, Managing Director, Banking & Financial Services with Fiorano Software discusses the framework being put in place by the CBUAE with Robin Amlôt of IBS Intellig...

Steve Britain, CEO, Monument Technology Monument Technology’s Banking-Platform-as-a-Service model is a tribute to Monument Bank, which has scaled from £1 billion in assets to £5 billion in the last 12 months. The bank created its tech stack through a combination of best-in-class solutions together with its own tech where the latter could act as a differentiator. Steve Britain, now CEO of Monument...

Sandeep Katiyar, Co-Founder and Group Chief Financial Officer, Finhaat   Bringing insurance and wealth management to semi-urban and rural India requires more than just access—it demands trust, simplicity, and security. Finhaat is tackling this challenge with a tech-driven distribution network that connects underserved communities to essential financial products. By leveraging digital tools, the pl...

Davis DeRodes, Lead Data Scientist, Fusion Risk Management Last year’s CrowdStrike failure firmly put the need for robust scenario testing under the global spotlight. Online and app outages at some of the UK’s biggest banks in early 2025 have only served to underline the need to ensure operational resilience. Davis DeRodes, Lead Data Scientist at Fusion Risk Management speaks to Robin Amlôt of IBS...

Neil Chandler, Chief Executive Officer, Aion Bank Italy’s Unicredit finalised the takeover of Aion Bank and sister company, tech provider, Vodeno in early March 2025. The deal was first announced in July 2024. Ahead of the confirmation of the Unicredit deal, Aion Bank CEO Neil Chandler spoke with Robin Amlôt of IBS Intelligence, discussing the evolution of Banking-as-a-Service and the difference b...

Pat Bermingham, CEO, Adflex   The end is in sight for direct debits and card on file payments with the coming of VRPs, allowing flexible, automated payments between bank accounts… also in focus, virtual cards, slower payments (!) tokenisation and embedded payments, including the grow of B2B BNPL. Pat Bermingham, CEO of B2B digital payment processor Adflex, speaks to Robin Amlôt of IBS Intelligence

Victor Basta, Co-Founder & Managing Partner, Artis Partners Acquisitions have already become the norm in the payments space, with the wider FinTech sector now set to follow suit. Many startups have transitioned into the growth stage and the marketplace has become crowded, with competition at an all-time high. Victor Basta, Managing Partner at new investment bank Artis Partners, tells Robin Aml...

Frederik Muelke, Head of Alternative Assets, Robin AI Robin AI is a secure LegalTech provider for private markets players. Tight private equity markets have seen fewer deals and fiercer competition – pre-emptive bids and faster due diligence are becoming the norm. Adopting AI can enable firms to reduce deal analysis timelines from weeks to hours, allowing faster more informed decisions. Robin Amlô...

Greg Holmes, Field CTO in EMEA, Apptio Every business hopes to maximise the benefits of investing in technology, but can we be sure that money is being spent wisely, and value actually being derived? Apptio recently released the findings of a global study entitled Guiding Technology Investments: Insights for Business Leaders. It examined how organisations are navigating their tech spend and invest...

Manish Agarwal, CEO & Founder, FINQY The BFSI sector is evolving rapidly, with AI-driven hyper-personalisation, ‘phygital’ customer experiences, and the rise of super apps reshaping financial services. As digital ecosystems expand, financial product consumption in India is seeing a significant shift. Manish Aggarwal, CEO & Founder of FINQY, speaks to Gloria Methri of IBS Intelligence about...

Ghazi Ben Amor, VP Corporate Development, ZAMA ZAMA is a newcomer specialising in cryptography, with a focus on fully homomorphic encryption. This technology allows computations to be performed on encrypted data but, crucially, without the need to decrypt it first – thus preserving data privacy and security – useful attributes for banks and others in financial services. Robin Amlôt of IBS Intellig...

Hari Padmanabhan, Founder Chairman, Uncia Uncia is redefining FinTech with AI-driven solutions that enhance banking, lending, and credit assessments. Inspired by the agility of the snow leopard, Uncia empowers financial institutions with customisable onboarding journeys. Hari shares insights with Puja Sharma of IBS Intelligence on how Uncia is shaping the future of financial services.

Srirang Srikantha, Chief Executive Officer, Yethi Consulting By end-2028, it has been suggested that 80% of testing engagements will have quality engineering transformation as a core component. One recent survey has a similar percentage of banks (81%) warning of an imminent ‘automation Armageddon’. Against that background, Robin Amlôt of IBS Intelligence speaks to Srirang Srikantha, CEO of Yethi C...

Yaacov Martin, CEO, The Jifiti Group Embedded finance solutions allow banks to extend their reach and potentially offer more personalised services. BNPL is still growing but also still in need of a regulatory framework. The Jifiti Group is a US-based global technology company. One of its main products is a white-labelled embedded lending platform for banks, lenders and merchants. Yaacov Martin, th...

Satish Grampurohit, CEO and Co-Founder, Cogniquest Disclosure: Cogniquest is a Cedar-IBSi Capital portfolio company. It is a context-aware AI platform with the ability to capture key data points and generate actionable insights from complex documents and information repositories. Robin Amlôt of IBS Intelliigence speaks with Satish Grampurohit, CEO and Co-Founder of Cogniquest about how AI can make...

Violet Abtahi, CEO, Platonic Blockchain’s impact on asset management is growing but key challenges over privacy, decentralisation and usability remain to be addressed. However, together with tokenisation, blockchain holds out the promise of more power to the individual to secure their financial future while having more control over their assets. Robin Amlôt of IBS Intelligence discusses the econom...

Mathias Wikström, CEO, Doconomy Recent research reveals that consumers around the globe are increasingly concerned about climate change and want to take individual action, but many feel constrained by their financial situation. Not feeling in control of their finances makes it hard for people to focus on living sustainably, and there is a lack of meaningful action from traditional leaders. This, a...

Sal Rehmetullah, CEO & Co-Founder, Worth AI How to tackle risk management and financial credit underwriting, using AI to provide accurate, real-time credit risk assessments for small and medium-sized businesses (SMBs). Through the use of an AI-powered platforms for underwriting and onboarding, it is possible to eliminate manual tasks and offer real-time, predictive risk monitoring. Robin Amlôt...

Niamh Kingsley, Director, Head of AI & Product Innovation, Delta Capita After more than a decade of digital transformation, being digital is no longer a differentiator for banks, it’s a baseline. Looking ahead, financial institutions must embrace emerging DREAM-C technologies: Distributed Ledger Technology, Robotics, Extended Reality, AI, Mutualisation & Shared Innovation, and advanced Com...