Rebank: Fintech Analysis

David Green is the Chief Product Officer at Earnest , a digital student lender and refinancing provider.   The student debt market in the US is unique in the world. College is exceedingly expensive, and students fund their educations by borrowing from the government and private lenders. Despite the size of the market and its decades-long history, student lending doesn't necessarily operate with th...

Matt Harris  is a partner at Bain Capital Ventures focused on fintech and financial services. Matt is a fintech legend in New York. Everyone I talked to about this conversation knew Matt and sang his praises effusively.  Matt has been an early stage investor since 1997, which is basically forever in fintech years. His portfolio includes Acorns, IEX, Roofstock, SigFig and many more.  Matt has highl...

Samvit Ramadurgam  is the Co-Founder & President and Kelly Rodriques  is the CEO of Forge , a secondary market for private shares. Forge provides access to shares of virtually all of the top 50 privately held tech startups, including Slack and many more, and offered trading in the likes of Spotify, Dropbox, Snap and DocuSign before they IPOed. According to Crunchbase, Forge has raised $88.5m from...

Dee Choubey is the Founder and CEO of MoneyLion , a digital bank combining a comprehensive financial offering with AI-driven personalized guidance. With four million users and counting, MoneyLion aspires to build a private bank for the middle class, initially by providing financial access, education and advice to Americans underserved by the financial system. I find MoneyLion's vision highly compe...

Ryan King is the Co-Founder and CTO of Chime , one of the leading digital banks in the US. Chime offers free banking to over three million customers, helping them save hundreds a year on banking and gain control of their financial lives. This episode was recorded at LendIt in San Francisco. A huge thanks to Peter Renton and his team for inviting us to participate. As listeners know, digital bankin...

Erin Collard is Co-Founder of Blend , a digital mortgage origination platform. Blend sits atop incumbent systems and digitizes the mortgage process, massively reducing costs for lenders and expediting origination. Blend's software is compelling. So compelling, in fact, that 25% of the market now uses Blend's technology to originate $1 billion of US mortgages every day. Blend has raised $160 millio...

Michael Sidgmore is a Partner at Broadhaven , a market leading fintech investment bank and venture firm, with clients including ICE and the CBOE and investments including MoneyLion and ScaleFactor. Prior to joining Broadhaven, Michael built the sales team at iCapital , now a multi-billion dollar platform giving investors access to leading alternative investment funds at low minimums. Michael is cl...

Catherine Wines is the Co-Founder of WorldRemit , one of the world's foremost digital remittance providers.  Founded in 2010, WorldRemit has raised over $220 million from Accel, LeapFrog and TCV. The platform lets users send money to friends and family in 150 countries, giving people in developing countries access to the financial system at a fraction of the cost of traditional remittance provider...

Vinoth Jayakumar runs fintech investments for Draper Esprit , a premier venture capital firm and backers of the likes of Revolut and TransferWise .  Today we grapple with the backend infrastructure of banking, updating on a subject we've covered in the past with 10x , ThoughtMachine , Mambu and others. These and other players have continued to build, recently signing big name clients that expect t...

Today, we have a very special episode for you. Last week in London, we put on a live event, supported by leading reputation management consultancy Lansons , whose clients include Lloyds, Allianz, Atom Bank, BlackRock, Fidelity, Hargreaves Lansdown, JP Morgan, Invesco, Societe Generale, Vanguard, AXA and many, many more. The topic of discussion was Crypto 2.0, Is Crypto Finally Getting Real? Consid...

Ricky Knox is the Founder and CEO of Tandem , a UK digital bank. It's a fascinating time in digital banking, as tech-forward banks in the UK, US, Europe and elsewhere race for product and geographic coverage and players like Apple and Goldman Sachs , who recently announced a credit card partnership, encroach on retail banks' turf. I thoroughly enjoyed this conversation. As you'd expect, Ricky brin...

Francesco Simoneschi is the Co-Founder and CEO of TrueLayer, an Open Banking API platform. Since Open Banking went live early last year, progress has been slow, and reviews have been mixed. At the same time, companies like Plaid and Quovo in the US and Tink and Bud in Europe have raised eight- and nine-figure rounds to scale platforms to support the innovations Open Banking promises. TrueLayer is...

Lex Sokolin  started a roboadvisor way back in 2009, which was eventually sold to AdvisorEngine. As a result of that experience, and the strategy and advisory work he's done since, Lex has unique insight into the evolution of the digital investments space, one of the fastest moving areas of fintech today. If you enjoy today's episode, please leave us a review on  iTunes . Thank you very much for j...

SME banking is a particular interest of mine, as long-time listeners know. We've covered it from a number of angles on Rebank, including challenger banking with  OakNorth , digital lending with  iwoca and Spotcap , payments with  GoCardless  and support services with  Xero , to name a few. If one area of fintech has been getting increasing interest lately, it's SME banking, and it's about time. La...

Rishi Khosla  is co-founder and CEO of  OakNorth , one of the world's best funded and fastest growing fintechs. We've had OakNorth on the podcast a few times before. In the past, I've generally referred to OakNorth as a challenger bank, which they were, but the company has developed beyond that description. From its savings & lending origins, OakNorth has evolved into a world-class technology plat...

Adam Dodds  is the Founder & CEO of  Freetrade , a free stock trading app and part of the trend toward intuitive, low cost retail investment solutions.    This is an interesting discussion around providing value to customers, and what that means, especially in complex industries like investments.   This episode feels less like a stand alone conversation and more like another instalment in an ongoi...

Nicolas Colin  is co-founder of  The Family , a European tech incubator with a different approach than most.   Their mission is the educate, support and connect entrepreneurs in ways that build great global companies.   The Family describes itself a platform that unites entrepreneurs across Europe in Paris, London and Berlin, with a mission to build a startup continent that is diverse, dynamic and...

Anytime I find myself thinking how much progress has been made in digital banking over the past 6 or so years, I stop to consider how much further we'll go from here. It feels like so much has happened since the paradigm shift brought about by the iPhone and the global banking crisis of 2008. No one knows that better than  Anthony Thomson . Anthony is by any measure one of the most prolific bankin...

We've seen  a slow evolution in fintech from the early days - transitioning from disruptors and disintermediators to partners and platforms. Where do we go from here? Tim Levene  is the Founder and CEO of  Augmentum , a fintech venture capital firm. Prior to starting Augmentum, Tim worked for Bain, started London restaurant chain  Crussh  and founded Flutter.com, which merged with  Betfair  in 200...

The US could be one of the most lucrative markets for digital banks, but few new entrants have launched there. Why? How ripe is the opportunity, really? Monzo ,  N26  and  Revolut  have all stated intentions to launch in the US, though none have yet navigated the regulatory requirements. Colin Walsh  is the CEO and co-founder of  Varo Money , which is  on track to become the first mobile-centric n...

Historically characterized by high fees and questionable objectivity, retail investments are going through a transformation as the likes of Robinhood, Betterment, Scalable Capital and others bring compelling digital offerings to market.   Richard Theo is the co-founder and CEO of Wealthify, one of the UK's leading roboadvisors.    With a background in technology and computer science, Richard start...

Should people outside fintech care about fintech? Today, we're joined by Brad Goodall, serial entrepreneur and founder of Banked, to discuss. Open Banking is hands down one of the most relevant themes in 2018, with legislation taking effect in Europe and the UK and being replicated and expanded in countries like Australia. But so far, we've seen anything but tangible impacts from Open Banking, inc...

Should we look to governments, philanthropists or entrepreneurs to solve our problems? We're joined by Sean Park , Founder of Anthemis , a fintech-focused venture capital firm, to discuss. There's a strong school of thought in the West that the private sector and market dynamics are sufficient to optimize economic, political and social outcomes. Is that true? Thinkers like economist Carlota Perez...

Leslie Campisi  is the Chief Marketing Officer of  Anthemis , one of the leading fintech venture capital firms.   In today's conversation, we debate the role of humans in finance.    It's a multi-faceted question with implications for the industry and its employees, the startup and investor ecosystem, financial services customers and adjacent industries. Leslie brings an interesting perspective to...

Welcome to the fourth instalment of our Founder Sessions series. We're joined by David Velez, the Founder and CEO of Nubank, the leading financial technology company in Latin America.   Nubank has 5 million credit card customers, 2.5 million bank account customers and has raised $420 million from investors including Sequoia, Tencent, Tiger Global, QED, Founders Fund and more. Before founding Nuban...