Rebank: Fintech Analysis

Today, we're joined by two entrepreneurs making credit more understandable and accessible for people.   Freddy Kelly is the Founder of Credit Kudos, a new model credit bureau making better data available to lenders. Matt Ford is the Founder of Pariti, an app built to help consumers improve their credit and qualify for new products. Pariti was recently acquired by UK challenger bank Tandem, who we'...

Gab Columbro  is the Executive Director of  FINOS , the fintech open source foundation.   FINOS is creating an open source movement in banking and financial services the same way open source technologies like Linux, Firefox, Wordpress, Hadoop, NodeJS and many more have done for tech. Born out of Symphony, the open source platform launched to rival Bloomberg, FINOS has expanded to cover a range of...

Dan Ramsden is the Chief Financial and Strategy Officer of StockTwits.    StockTwits is a social media platform designed for sharing ideas between investors, analysts and traders. Founded in 2009, the company has been called one of the "50 best websites" by Time Magazine and one of the "top 10 most innovative companies in finance" by FastCompany. StockTwits has 3 million monthly active users, who...

This episode is different. It's part of a conversation I had with three smart and experienced entrepreneurs and thinkers, who all happen to work in fintech. Maybe I'll released the extended version of the discussion at some point, but today I wanted to focus on a part of it.    Artificial intelligence and automation are becoming powerful forces of change in the world today, and the impacts of thes...

Robin Tombs is a serial tech entrepreneur and investor. He is the CEO and Co-Founder of Yoti, a digital identity platform enabling secure onboarding anywhere online or in-person. Prior to Yoti, Robin co-founded Gamesys, one of the world's leading online gaming operators. He is also an angel investor in a handful of technology companies and a trustee of Future First.   Today's conversation is a fas...

Today's topic is corporate culture: what works, what doesn't, what needs to change and how. We're joined by three extremely qualified guests to dig into this hairy topic. Duena Blomstrom is the author of Emotional Banking , a book looking at culture in banking specifically. Sharon O'Dea is the former Head of Digital Communications at Standard Chartered and current communications strategy consultan...

Kevin Beardsley is the Managing Director of B2C2 , a leading cryptocurrency marketmaker. and one of the 40 coolest people in UK fintech , according to Business Insider. B2C2 provides 24/7/365 liquidity for half a dozen of the leading crytocurrencies in all of the main fiat currencies, plus synthetic exposure to crypto. In his role, Kevin is uniquely positioned to comment on how the institutional i...

Suresh Vaghjiani is the Managing Director of Global Processing Services, a card processor supporting some of the best known fintechs including Monzo, Starling, Revolut, Curve, Osper, Pockit and more.   Suresh brings a potentially dry subject to life with some pretty interesting examples of where card technology is going and what new experiences are likely to appear over the next few years.   Conne...

Gregg Schoenberg runs The Financial Revolutionist , a weekly newsletter touching on some of the most interesting developments in financial innovation and linking them in interesting ways to all sorts of social and cultural considerations.   Prior to starting the FR, Gregg was a senior executive at Natixis, a French bank, where he ran equities.    The FR is published weekly, and you can subscribe a...

Today we have the great pleasure of catching up with Cristina Alba Ochoa , CFO, and Valentina Kristensen , Head of Marketing, of OakNorth , one of the UK's leading banks. You thought I was going to say leading challenger banks, which of course they are, but I think it's fair to say they're punching well above their weight. We sat down with OakNorth's co-founder Joel Perlman way back in episode 12...

Anders La Cour is the co-founder and CEO of Saxo Payments Banking Circle, a utility layer providing global transaction processing and payments to the banking industry. Many people talk about banks becoming a backend, payment processing utility layer, and Anders is actively building a business to play that role.   Anders is a lawyer by training and worked in M&A advisory and Venture Capital prior t...

Today the focus is on alternative lending, one of the original fintech verticals. Surprisingly, in nearly 80 episodes, we've never gotten deep into alternative lending.   After holding off for so long, today we're hitting you with two interviews, one with Jens Woloszczak, the founder and CEO of Spotcap, and the second with Christoph Rieche, founder and CEO of iwoca.   As one of the earliest areas...

Sam Maule is Managing Director, North America for 11:FS, a UK-based digital consulting firm. Prior to joining 11:FS, Same led Digital and Fintech for NTT Data, and before that, he worked on product at TSYS, a card processor.   Sam is the host of the Connection Interrupted podcast, where he interviews guests about their experiences with technology.    As always, connect with us on Twitter, Facebook...

Hiroki Takeuchi is the Founder and CEO of GoCardless, a London-based fintech that simplifies recurring payment collection for businesses.   GoCardless has raised $47m to date and is backed by the likes of Balderton, Accel Partners, Passion Capital and Notion Capital. Hiroki and his co-founders, including Tom Blomfield, now of Monzo, who joined us on the podcast way back in episode 17, went through...

Today we're thrilled to be joined by Nigel Walsh, aka Mr. InsurTech.   Nigel is a partner in Deloitte's Financial Services technology practice, where he focuses on insurtech. With a background in end to end technology transformation, Nigel works with insurers on the journey to becoming truly digital.     Prior to joining Deloitte, Nigel led the UK Insurance business for Capgemini, where he advised...

Russ Shaw is the Founder of Tech London Advocates (TLA), a private sector led group of leaders promoting London's technology sector and addressing the issues on the horizon. The group is a not-for-profit community of individuals with aspirations to build and promote London as a world leading digital and technology city.   Russ has led a long and illustrious career in technology and telecom, includ...

Jon Stein is the CEO and founder of Betterment, one of the leading roboadvisors in the US.   After amassing experience advising banks and brokers on risk and products, Jon founded Betterment in 2008 to make people's lives better.   Jon is a graduate of Harvard University and Columbia Business School. He holds Series 7, 24, 63 licenses and is a CFA charterholder.    Jon's interests lie at the inter...

Antony Jenkins is the Founder and Executive Chairman of 10x Future Technologies, a UK-based fintech company creating digital platforms for banks.   Antony is also Group Chairman of Currencies Direct, an FX and international payments provider, a board member of Blockchain,  one of the leading software platforms for digital assets, backed by the likes of Lightspeed, Google Ventures and Sir Richard B...

Megan Caywood is the Chief Platform Officer at Starling Bank, one of the UK's newest and most tech forward banks. Megan is responsible for the design and development of Starling's API strategy and the bank's marketplace, both of which we discuss in detail in today's conversation.   And what a timely conversation it is. PSD2 in Europe and Open Banking in the UK took effect on Saturday, January 13th...

Today, we welcome back our good friend Lawrence Wintermeyer, former CEO of Innovate Finance. Lawrence now works with a range of institutional investors and companies to help them capitalize on the shifts underway as part of the digital revolution. Lately, he's been doing a lot of work in cryptocurrency and tokens, the topic we pick up today.   We also connect with Oliver Oram, founder of Chainvine...

Today, we're thrilled to be joined by Jamie Campbell and Nina Mohanty of Bud, one of the most compelling fintech apps around. Despite its startup status, Bud has hit some major milestones and is working on a project with HSBC and First Direct that see them integrated directly into the incumbents' apps, in what could be a watershed moment for fintech.   In addition to their super cool business, the...

Benedetta Arese Lucini is the co-founder of Oval Money, an app helping people save more and improve their financial lives.   Prior to starting Oval Money, Benedetta ran Uber in Italy, launching it in that country and running it for three years. And what a journey that was. We get into that experience, which is mind blowing.   In addition to her interest in tech and fintech, Benedetta is an advocat...

Alessandro Hatami is the former Group Innovation Director at Lloyds Banking Group and current Managing Partner at Forestreet.   Alessandro bring a grown-up view to fintech. Working closely with incumbents on fintech strategy, he has great insight into the way larger players are positioning themselves in a changing FS landscape. Today, we get into what big tech players are likely to do with regards...

Ella Rabener is the co-founder and Chief Marketing Officer of Scalable Capital, a technology-driven investment management platform for retail investors. Scalable Capital has raised 41 million Euros in funding from BlackRock, Holtzbrinck Ventures and Tengelmann Ventures. Scalable employs over 50 people in offices in Munich and London.    I think this is one of the most interesting conversions we've...

Fiona Mackenzie is CEO and founder of marble, a personal financial management app. Fiona has spent most of her career as an actuary in insurance and pensions and is looking to bridge the gap between what people are doing with their money and what they could be doing to better achieve their goals.   What do you think of the personal financial management tools you've used? What will the future of th...