FinTech Futures
NouveauWhat the FinTech? | S.7 Episode 22 | Balancing digital innovation and the human touch in business banking
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- 10 Nov 2026
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FinTech Futures is the #1 provider of global fintech news and intelligence. You can find worldwide fintech news, intelligence & analysis at https://fintechfutures.com.
Épisodes 157
What the FinTech? | S.7 Episode 22 | Balancing digital innovation and the human touch in business banking
In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Nick Fahy, CEO of UK-based Cynergy Bank, to explore the evolving business banking landscape in …
Notes de l’épisode
In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Nick Fahy, CEO of UK-based Cynergy Bank, to explore the evolving business banking landscape in the UK and how Cynergy Bank is carving out its position in an increasingly competitive market. Nick discusses what the company’s ‘human-digital bank’ philosophy means in practice, how Cynergy is leveraging partnerships and AI to drive innovation, and the emerging technologies he believes will reshape banking in the years to come. The conversation also explores the challenges facing UK businesses in the current macroeconomic climate, how Cynergy is supporting companies looking to scale, and what sets the bank apart from both traditional high street players and newer challenger banks, with a look ahead at Cynergy's growth plans and strategic priorities. Tune in to hear how Cynergy Bank is balancing human expertise with digital innovation to support UK businesses both now and into the future.What the FinTech? | S.7 Episode 21 | The rise of invisible banking - preparing for an agentic future
In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Rolf Njor Jensen, VP of Technology at Nordic digital bank Lunar, to explore the concept of …
Notes de l’épisode
In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Rolf Njor Jensen, VP of Technology at Nordic digital bank Lunar, to explore the concept of invisible banking and what it means for the future of how customers interact with their money. Rolf discusses why the interface customers use to manage their finances is changing, moving away from a bank's own app and toward AI platforms and agents acting on a customer's behalf, and explains what it means for banks when AI becomes the primary point of contact. The conversation then examines what it looks like in practice for banks to become the infrastructure AI agents run on, rather than the interface customers interact with directly. Rolf and Paul also explore how banks can maintain customer relationships, trust, and brand loyalty in a world where third-party AI agents sit between the bank and the customer, as well as where accountability sits if something goes wrong with an AI-driven transaction. The episode finishes with a look at how AI-assisted development is reshaping engineering output at Lunar, the bank’s approach to AI and its broader technology strategy, and what to look forward to as the agentic era in banking continues to unfold. Tune in to hear what this all means for the future of banking and the role Lunar aims to play in shaping it.What the FinTech? | S.7 Episode 20 | Building Europe's digital currency: Inside the ECB's digital euro project
In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Evelien Witlox, director of the digital euro project at the European Central Bank (ECB), to …
Notes de l’épisode
In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Evelien Witlox, director of the digital euro project at the European Central Bank (ECB), to explore how the ECB is working to bring its central bank digital currency (CBDC) from concept to reality. With the project currently in its pilot phase, Paul and Evelien discuss the latest developments with the digital euro, the key milestones achieved so far, and what this testing phase will reveal about the currency's readiness for widespread adoption. The conversation also examines the potential use cases for the digital euro and the role it will play in Europe's already advanced payment infrastructure, how it will benefit consumers and businesses across the eurozone, and the ECB's approach to critical issues like privacy, data protection, and interoperability with other global CBDC initiatives. Finally, the discussion looks beyond the pilot phase to explore the roadmap for full-scale implementation, how the digital euro will co-exist with stablecoins, and what decision points will determine when this transformative project moves from testing to widespread rollout across all EU member states. Tune in to hear how the European Central Bank is designing the future of digital currency and what the digital euro could mean for payments across Europe and beyond.What the FinTech? | S.7 Episode 19 | Reimagining payment infrastructure for the AI era
In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by David Crawford, Chief Strategy and Transformation Officer at Pay.UK, to explore how AI is …
Notes de l’épisode
In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by David Crawford, Chief Strategy and Transformation Officer at Pay.UK, to explore how AI is revolutionising payment infrastructure and what this technological shift means for the UK's critical national payment systems. David discusses the current state of the UK payments ecosystem, examining the most significant developments taking place and the forces driving change across the national payments infrastructure that Pay.UK operates. The conversation then examines how AI is being integrated into these essential payment systems today, what AI-ready infrastructure means in practice, and the foundational building blocks organisations need to successfully deploy AI while maintaining the reliability and trust that payment systems demand. Paul and David also explore the emerging challenges that come with AI-driven payments, from accountability and explainability to operational resilience and fraud prevention, particularly as criminals leverage AI for increasingly sophisticated attacks, and how Pay.UK is using AI to help combat these threats. The episode finishes with a look ahead to the future of the UK payments ecosystem, with David discussing how industry participants can work together to build AI literacy and ensure the UK remains at the forefront of global payments innovation. Tune in to hear how AI is transforming the backbone of UK payments and what it takes to build trusted, resilient infrastructure for the next generation of digital transactions.What the FinTech? | S.7 Episode 18 | Shaping the next generation of institutional payments with Citi’s Debopama Sen
In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Debopama Sen, Head of Payments, Services at Citi, to explore the rapidly evolving global …
Notes de l’épisode
In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Debopama Sen, Head of Payments, Services at Citi, to explore the rapidly evolving global payments landscape, examining how emerging technologies and regulatory developments are reshaping the future of institutional payments and cross-border transactions. With stablecoins gaining significant traction, tokenisation transforming payment infrastructure, and agentic AI beginning to revolutionise the payments ecosystem, Debopama discusses how major financial institutions like Citi are building winning payments strategies that balance innovation with the security, compliance, and reliability that institutional clients demand. The conversation examines the dominant trends shaping today's payments market from a global perspective, the regulatory challenges and opportunities surrounding cross-border payments across different jurisdictions, and how AI and machine learning are being leveraged within payments operations to combat increasingly sophisticated fraud while maintaining seamless customer experiences. Finally, Paul and Debopama look ahead to the future of payments, discussing the key initiatives Citi is undertaking around payments innovation and infrastructure modernisation, the main talking points expected at this year's Sibos conference, and the critical steps banks must take today to ensure they're not left behind as the industry transforms. Tune in to hear how Citi is navigating the convergence of stablecoins, tokenisation, and AI to build the next generation of payments infrastructure for institutional clients worldwide. ----------------------------------------------------------------------- ABOUT FINTECH FUTURES FinTech Futures is the #1 provider of global fintech news and intelligence. With a mission to empower the financial technology community, we bring you the latest updates and thought leadership from across the industry. From startups to established players, we cover the entire fintech ecosystem. Stay Connected with FinTech Futures: Visit our website: www.fintechfutures.com Follow us on LinkedIn: www.linkedin.com/company/fintechfutures/ Sign up to our newsletter: www.fintechfutures.com/newsletter Subscribe to our channel: www.youtube.com/@FinTechFuturesWhat the FinTech? | S.7 Episode 17 | The future of financial inclusion in the US with Commonwealth CEO Timothy Flacke
In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Timothy Flacke, co-founder and CEO of Commonwealth, to explore the critical work of advancing …
Notes de l’épisode
In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Timothy Flacke, co-founder and CEO of Commonwealth, to explore the critical work of advancing financial inclusion for families and individuals in the US, and how Commonwealth has been at the forefront of testing and scaling innovative solutions to help consumers build financial security. With Commonwealth celebrating its 25th anniversary this year, Timothy discusses how the organisation's approach has evolved since its founding in 2001, its most significant accomplishments over the past quarter century, and why this anniversary is as much about preparing for the future as it is about celebrating past successes. The conversation also examines the evolving landscape of financial security, including the work Commonwealth is doing in the space to support consumers, what the broader industry needs to do to help further advance financial inclusion, and the opportunities and risks presented by emerging technologies such as agentic and generative AI. Finally, Timothy and Paul discuss Commonwealth's Vision 2027, exploring the strategic priorities that will guide the organisation's work and its plans for the next generation of inclusive financial products. Tune in to hear how 25 years of innovation and collaboration are shaping the next generation of financial inclusion for people across the US. ----------------------------------------------------------------------- ABOUT FINTECH FUTURES FinTech Futures is the #1 provider of global fintech news and intelligence. With a mission to empower the financial technology community, we bring you the latest updates and thought leadership from across the industry. From startups to established players, we cover the entire fintech ecosystem. Stay Connected with FinTech Futures: Visit our website: www.fintechfutures.com Follow us on LinkedIn: www.linkedin.com/company/fintechfutures/ Sign up to our newsletter: www.fintechfutures.com/newsletter Subscribe to our channel: www.youtube.com/@FinTechFuturesAgentic commerce: How American Express is building the future of AI-driven payments
In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Margaret Ryan, SVP and Head of Product for Amex Digital Labs, to explore the rapidly …
Notes de l’épisode
In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Margaret Ryan, SVP and Head of Product for Amex Digital Labs, to explore the rapidly developing world of agentic commerce and agentic payments and how American Express is positioning itself at the forefront of this evolution. Margaret discusses the current state of play with agentic commerce today, unpacking the benefits the technology offers for both consumers and merchants, and takes a deep dive into the ACE Developer Kit that Amex launched earlier this year, explaining the vision behind this framework and how it's designed to help merchants navigate this fundamental shift in how transactions happen. The conversation also covers the debate around trust and consumer confidence when it comes to agentic commerce—asking whether people will fully trust AI agents to spend their money and what safeguards need to be in place to make that leap possible. Margaret and Paul also look ahead at how agentic payments will transform the consumer experience over the next few years, what role American Express will play as AI agents become the primary transaction interface, and what other agentic AI innovations are in the pipeline at Amex. Tune in to hear how one of the world's leading payment networks is building the infrastructure for an AI-agent-driven future of commerce. ----------------------------------------------------------------------- ABOUT FINTECH FUTURES FinTech Futures is the #1 provider of global fintech news and intelligence. With a mission to empower the financial technology community, we bring you the latest updates and thought leadership from across the industry. From startups to established players, we cover the entire fintech ecosystem. Stay Connected with FinTech Futures: Visit our website: www.fintechfutures.com Follow us on LinkedIn: www.linkedin.com/company/fintechfutures/ Sign up to our newsletter: www.fintechfutures.com/newsletter Subscribe to our channel: www.youtube.com/@FinTechFuturesWhat the FinTech? | S.7 Episode 15 | Managing fraud and credit risk in the AI era with Equifax
In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Seth Moran, SVP, General Manager of Digital Banking and Strategic Markets at Equifax, to …
Notes de l’épisode
In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Seth Moran, SVP, General Manager of Digital Banking and Strategic Markets at Equifax, to explore the evolving landscape of fraud and credit risk. Seth explains how synthetic fraud is exploiting new entry points through deposit accounts, how AI has dramatically lowered the barrier for fraudsters to create sophisticated synthetic identities, and why financial institutions may be struggling to accurately classify losses between fraud and credit risk. The conversation also covers how Equifax is helping banks build a more complete view of the customer by integrating fraud and credit risk assessment across the entire lifecycle, and how AI is enabling institutions to drive operational efficiencies while strengthening their defences. Finally, Paul and Seth look ahead at the emerging trends shaping the industry and what risk leaders should be prioritising as we move through 2026. ----------------------------------------------------------------------- ABOUT FINTECH FUTURES FinTech Futures is the #1 provider of global fintech news and intelligence. With a mission to empower the financial technology community, we bring you the latest updates and thought leadership from across the industry. From startups to established players, we cover the entire fintech ecosystem. Stay Connected with FinTech Futures: Visit our website: www.fintechfutures.com Follow us on LinkedIn: www.linkedin.com/company/fintechfutures/ Sign up to our newsletter: www.fintechfutures.com/newsletter Subscribe to our channel: www.youtube.com/@FinTechFuturesWhat the FinTech? | S.7 Episode 14 | Building ChimeCore: How Chime developed its own banking infrastructure
In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Ryan King, co-founder of US fintech Chime, to learn more about Chime's development and …
Notes de l’épisode
In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Ryan King, co-founder of US fintech Chime, to learn more about Chime's development and deployment of ChimeCore, its proprietary core banking platform. Ryan discusses the factors that drove the decision to build rather than buy, how the team successfully migrated more than 9 million members without any downtime, and the key lessons learned along the way. The conversation also covers how owning the entire tech stack is accelerating Chime's ability to deploy AI and machine learning at scale, the tangible benefits this is delivering to customers, and what this means for the competitive landscape between fintechs and traditional banks. Beyond ChimeCore itself, Paul and Ryan also take a closer look at how AI is fundamentally reshaping banking operations and customer experiences, and what new possibilities emerge when you combine modern infrastructure with emerging AI capabilities. Tune in to hear how Chime is redefining what's possible in banking by building its own core infrastructure and unlocking the full potential of AI. ----------------------------------------------------------------------- ABOUT FINTECH FUTURES FinTech Futures is the #1 provider of global fintech news and intelligence. With a mission to empower the financial technology community, we bring you the latest updates and thought leadership from across the industry. From startups to established players, we cover the entire fintech ecosystem. Stay Connected with FinTech Futures: Visit our website: www.fintechfutures.com Follow us on LinkedIn: www.linkedin.com/company/fintechfutures/ Sign up to our newsletter: www.fintechfutures.com/newsletter Subscribe to our channel: www.youtube.com/@FinTechFuturesWhat the FinTech? | S.7 Episode 13 | Reimagining regional banking in the US with AI
In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Jude Melville, CEO of b1BANK, to explore how US regional banks are actively embracing AI to …
Notes de l’épisode
In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Jude Melville, CEO of b1BANK, to explore how US regional banks are actively embracing AI to compete in an increasingly technology-driven industry. Jude discusses how b1BANK, the largest Louisiana-headquartered regional bank by assets with a significant and growing presence in Texas, is developing its AI strategy, including its partnership with Covecta on agentic AI implementation, and how the bank is navigating the practical challenges of embedding AI into workflows while measuring ROI and managing the cultural shift required to bring teams along on this journey. The conversation also covers the competitive landscape for regional banks, discussing how institutions like b1BANK can innovate against national banks with significantly larger technology budgets, and the delicate balance between moving fast with new technology and managing risk in a heavily regulated industry. Tune in to discover how b1BANK is turning AI into a competitive advantage in the regional banking arena.What the FinTech? | S.7 Episode 12 | Preparing for a multi-money future: NatWest on the digital asset revolution
In this episode of the What the FinTech? podcast, recorded live at Money20/20 Europe in Amsterdam, host and FinTech Futures Managing Editor Paul Hindle is joined by Lee McNabb, Payment and Digital Asset Lead at …
Notes de l’épisode
In this episode of the What the FinTech? podcast, recorded live at Money20/20 Europe in Amsterdam, host and FinTech Futures Managing Editor Paul Hindle is joined by Lee McNabb, Payment and Digital Asset Lead at NatWest, to explore the growing role of digital assets in payments and financial services, and how banks such as NatWest are positioning themselves to lead in this rapidly evolving landscape. Paul and Lee discuss how banks should approach their payment strategies in an era of multiple payment rails and emerging technologies like stablecoins, what the mainstream adoption of tokenised deposits and programmable payments could mean for both retail and corporate customers, and the technical challenges of modernising legacy infrastructure while maintaining 24/7 availability. The conversation also covers NatWest's digital asset strategy, including their participation in major UK and international pilots, how the bank is managing the balance between innovation and interoperability, and their approach to building customer confidence and literacy in technologies that many people don't yet understand. Whether you're a banking executive navigating digital transformation, a fintech professional exploring the future of payments, or simply curious about how digital assets will reshape the way money moves, this episode offers essential insights into the strategies, challenges, and opportunities defining the next era of financial services. Tune in to hear how one of the UK's leading banks is preparing for a multi-money future. ----------------------------------------------------------------------- ABOUT FINTECH FUTURES FinTech Futures is the #1 provider of global fintech news and intelligence. With a mission to empower the financial technology community, we bring you the latest updates and thought leadership from across the industry. From startups to established players, we cover the entire fintech ecosystem. Stay Connected with FinTech Futures: Visit our website: www.fintechfutures.com Follow us on LinkedIn: www.linkedin.com/company/fintechfutures/ Sign up to our newsletter: www.fintechfutures.com/newsletter Subscribe to our channel: www.youtube.com/@FinTechFuturesWhat the FinTech? | S.7 Episode 11 | Blockchain, stablecoins, and cross-border payments: Inside Ripple's European expansion
In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Cassie Craddock, Managing Director for UK and Europe at Ripple, to explore the work Ripple is …
Notes de l’épisode
In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Cassie Craddock, Managing Director for UK and Europe at Ripple, to explore the work Ripple is doing to transform cross-border payments through blockchain technology and stablecoins and learn more about the company’s expansion plans. Paul and Cassie discuss how Ripple's recent EMI licences in the UK and Luxembourg are positioning the company for significant growth across European markets, and what these regulatory milestones mean for clients and partnerships in the region. The conversation also covers the growing role of stablecoins in cross-border transactions, examining the advantages they offer over traditional methods, and how Ripple's USD stablecoin fits into the company's broader vision. And finally, we find out what fintech buzzword Cassie wants to throw into our Fintech Jail! ----------------------------------------------------------------------- ABOUT FINTECH FUTURES FinTech Futures is the #1 provider of global fintech news and intelligence. With a mission to empower the financial technology community, we bring you the latest updates and thought leadership from across the industry. From startups to established players, we cover the entire fintech ecosystem. Stay Connected with FinTech Futures: Visit our website: www.fintechfutures.com Follow us on LinkedIn: www.linkedin.com/company/fintechfutures/ Sign up to our newsletter: www.fintechfutures.com/newsletter Subscribe to our channel: www.youtube.com/@FinTechFuturesWhat the FinTech? | S.7 Episode 10 | Agentic AI in finance - innovation, security, and trust
In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Bill Borden, Corporate Vice President of Financial Services at Microsoft, to explore how …
Notes de l’épisode
In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Bill Borden, Corporate Vice President of Financial Services at Microsoft, to explore how agentic AI is being developed and deployed in financial services, and the impact it’s having on innovation, security, and governance in the sector. The conversation delves into the trends shaping the development of agentic AI and the challenges of deploying it responsibly in such a highly regulated sector. Paul and Bill also discuss Microsoft’s recent Cyber Pulse report, which highlights risks like "shadow AI" and the importance of governance, observability, and Zero Trust principles. Bill shares how financial institutions are leading the way in implementing these safeguards, the lessons other industries can learn, and how collaboration with regulators and technology providers is driving progress. The discussion also covers real-world applications of AI agents in areas such as fraud detection, customer service, and operations, before finishing with a look at what’s next for AI agents in financial services and how organisations can prepare for the future. And finally, we find out what fintech buzzword Bill wants to throw into our Fintech Jail! ----------------------------------------------------------------------- ABOUT FINTECH FUTURES FinTech Futures is the #1 provider of global fintech news and intelligence. With a mission to empower the financial technology community, we bring you the latest updates and thought leadership from across the industry. From startups to established players, we cover the entire fintech ecosystem. Stay Connected with FinTech Futures: Visit our website: www.fintechfutures.com Follow us on LinkedIn: www.linkedin.com/company/fintechfutures/ Sign up to our newsletter: www.fintechfutures.com/newsletter Subscribe to our channel: www.youtube.com/@FinTechFuturesWhat the FinTech? | S.7 Episode 9 | What’s next for Europe’s payments ecosystem? – Tech trends, evolving regulations, and the sovereignty debate
In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Simone Löfgen, Global Head of Payment Platforms at Commerzbank, to explore the key trends …
Notes de l’épisode
In this episode of the What the FinTech? podcast, host and FinTech Futures Managing Editor Paul Hindle is joined by Simone Löfgen, Global Head of Payment Platforms at Commerzbank, to explore the key trends, challenges, and innovations shaping the payments industry in 2026. The conversation covers the current state of play with payments in Europe, the impact of evolving regulations, and the opportunities and challenges in cross-border transactions, including the role of stablecoins and the future of CBDCs like the digital euro. Paul and Simone also discuss how AI is transforming payments, from enhancing systems to combating fraud, and how Commerzbank is leveraging this technology, as well as how banks can balance customer expectations for fast, secure, and transparent payments with the growing complexity of payment infrastructures. We also hear Simone’s thoughts on what’s next for the industry and what the growing conversation around payments sovereignty might mean for the future of the European payments ecosystem. And finally, we find out what fintech buzzword Simone wants to throw into our Fintech Jail! ----------------------------------------------------------------------- ABOUT FINTECH FUTURES FinTech Futures is the #1 provider of global fintech news and intelligence. With a mission to empower the financial technology community, we bring you the latest updates and thought leadership from across the industry. From startups to established players, we cover the entire fintech ecosystem. Stay Connected with FinTech Futures: Visit our website: www.fintechfutures.com Follow us on LinkedIn: www.linkedin.com/company/fintechfutures/ Sign up to our newsletter: www.fintechfutures.com/newsletter Subscribe to our channel: www.youtube.com/@FinTechFuturesWhat the FinTech? | S.7 Episode 8 | Beyond the hype – what’s next for stablecoins?
In this episode of the What the FinTech? podcast, host and FinTech Futures managing editor Paul Hindle is joined by René Michau, Global Head of Digital Assets at Standard Chartered Bank, to explore the growing …
Notes de l’épisode
In this episode of the What the FinTech? podcast, host and FinTech Futures managing editor Paul Hindle is joined by René Michau, Global Head of Digital Assets at Standard Chartered Bank, to explore the growing impact of stablecoins in financial services and their potential to reshape key areas of banking and payments. The conversation covers the current state of play with stablecoin adoption in banking, their rising popularity among corporates and institutions, and the benefits they can offer—particularly in cross-border payments. Beyond payments, René also gives his views on the other key use cases gaining traction and how Standard Chartered is integrating stablecoins into its digital asset strategy. Paul and René also discuss the current regulatory landscape around stablecoins, the key considerations banks should focus on when developing an effective stablecoin strategy, and of course what’s next for stablecoin innovation, including how they’re likely to evolve in the coming years, their impact on traditional banking models, and the innovations and partnerships that will shape their trajectory. And finally, we find out what fintech buzzword René wants to throw into our Fintech Jail! ----------------------------------------------------------------------- ABOUT FINTECH FUTURES FinTech Futures is the #1 provider of global fintech news and intelligence. With a mission to empower the financial technology community, we bring you the latest updates and thought leadership from across the industry. From startups to established players, we cover the entire fintech ecosystem. Stay Connected with FinTech Futures: Visit our website: www.fintechfutures.com Follow us on LinkedIn: www.linkedin.com/company/fintechfutures/ Sign up to our newsletter: www.fintechfutures.com/newsletter Subscribe to our channel: www.youtube.com/@FinTechFuturesWhat the FinTech? | S.7 Episode 7 | Exploring the Greek neobank landscape with Snappi
In the latest episode of the What the FinTech? podcast, Gabriella Kindert, CEO of Snappi, joins to explore the Greek digital banking landscape and share how the challenger developed its tech stack. Gabriella …
Notes de l’épisode
In the latest episode of the What the FinTech? podcast, Gabriella Kindert, CEO of Snappi, joins to explore the Greek digital banking landscape and share how the challenger developed its tech stack. Gabriella sits down with FinTech Futures reporter Cameron Emanuel-Burns to compare the Greek neobanking ecosystem with its European counterparts and discuss the key challenges Snappi and other digital banks face in achieving widespread adoption. The episode also delves into Gabriella's professional journey, the origins of Snappi, and the company's immediate priorities as well as its long-term growth strategy. And finally, we discover which fintech buzzword Gabriella wants to throw into or rescue from our Fintech Jail! ----------------------------------------------------------------------- ABOUT FINTECH FUTURES FinTech Futures is the #1 provider of global fintech news and intelligence. With a mission to empower the financial technology community, we bring you the latest updates and thought leadership from across the industry. From startups to established players, we cover the entire fintech ecosystem. Stay Connected with FinTech Futures: Visit our website: https://www.fintechfutures.com Follow us on LinkedIn: https://www.linkedin.com/company/fintechfutures/ Sign up to our newsletter: https://www.fintechfutures.com/newsletter Subscribe to our channel: https://www.youtube.com/@FinTechFuturesWhat the FinTech? | S.7 Episode 6 | Quantum computing and its impact on financial services
In this episode of the What the FinTech? podcast, host and FinTech Futures editor Paul Hindle is joined by Dr Subodh Kulkarni, CEO of Rigetti Computing, and Dr Simon Plant, Deputy Director for Innovation at the …
Notes de l’épisode
In this episode of the What the FinTech? podcast, host and FinTech Futures editor Paul Hindle is joined by Dr Subodh Kulkarni, CEO of Rigetti Computing, and Dr Simon Plant, Deputy Director for Innovation at the UK’s National Quantum Computing Centre (NQCC), to explore the fascinating world of quantum computing and its transformative potential for financial services. The trio discuss the current state of play for quantum solutions in finance and how financial services firms are embracing the technology, with a specific look at some of the work Rigetti is doing with its partners in the sector, as well as advice for banks and fintechs looking to innovate with the technology and prepare for the quantum revolution, including best practices for integrating quantum computing into your existing systems. The conversation also covers the UK’s innovation strategy for quantum technologies, the technology’s intersection with generative AI, and the potential future impact of quantum computing on finance - including the looming challenge of Q-Day. And finally, we find out what fintech buzzwords Subodh and Simon want to throw into our Fintech Jail! ----------------------------------------------------------------------- ABOUT FINTECH FUTURES FinTech Futures is a leading global platform for fintech news, analysis, and insights. With a mission to empower the financial technology community, we bring you the latest updates and thought leadership from across the industry. From startups to established players, we cover the entire fintech ecosystem. Stay Connected with FinTech Futures: Visit our website: www.fintechfutures.com Follow us on LinkedIn: www.linkedin.com/company/fintechfutures/ Sign up to our newsletter: www.fintechfutures.com/newsletter Subscribe to our YouTube channel: www.youtube.com/@FinTechFuturesExploring the rise of digital wallets and super-apps | What the FinTech? | S7 Ep5
In this episode of the What the FinTech? podcast, host and FinTech Futures editor Paul Hindle is joined by Irina Chuchkina, Chief Growth Officer for Wallet in Telegram, to explore how digital wallets and …
Notes de l’épisode
In this episode of the What the FinTech? podcast, host and FinTech Futures editor Paul Hindle is joined by Irina Chuchkina, Chief Growth Officer for Wallet in Telegram, to explore how digital wallets and super-apps are transforming the way people interact with money, commerce, and technology in their everyday lives. The conversation covers how Wallet in Telegram is revolutionising financial interactions by enabling digital wallet functionality and peer-to-peer transactions directly within the Telegram messaging app. Paul and Irina discuss how this innovation is driving financial inclusion in emerging markets, the key use cases of financial services within the Telegram economy, how Telegram’s open platform model compares to more vertically integrated super-app ecosystems, and the broader trends shaping the adoption of digital wallets worldwide. And finally, we find out what fintech buzzword Irina wants to throw into our Fintech Jail! ----------------------------------------------------------------------- ABOUT FINTECH FUTURES FinTech Futures is a leading global platform for fintech news, analysis, and insights. With a mission to empower the financial technology community, we bring you the latest updates and thought leadership from across the industry. From startups to established players, we cover the entire fintech ecosystem. Stay Connected with FinTech Futures: Visit our website: https://www.fintechfutures.com Follow us on LinkedIn: https://www.linkedin.com/company/fintechfutures/ Sign up to our newsletter: https://www.fintechfutures.com/newsletter Subscribe to our YouTube channel: https://www.youtube.com/@FinTechFuturesUnlocking the embedded finance opportunity with Starling | Ruwani Hewa | What the FinTech? S.7 Ep 4
In this episode of the What the FinTech? podcast, host and FinTech Futures editor Paul Hindle is joined by Ruwani Hewa, Director of Payments at Starling Bank, to explore the world of embedded finance and how …
Notes de l’épisode
In this episode of the What the FinTech? podcast, host and FinTech Futures editor Paul Hindle is joined by Ruwani Hewa, Director of Payments at Starling Bank, to explore the world of embedded finance and how Starling is tapping into the huge potential of the sector through its Starling Banking Services unit. The conversation explores how Starling Banking Services fits into the broader embedded finance ecosystem, how the company has approached developing and maintaining its in-house tech infrastructure, and the key priorities for the unit over the next year as it looks to scale. Paul and Ruwani also dive into the trends shaping the future of Banking-as-a-Service (BaaS) and embedded finance, and the technologies having the biggest impact on the industry right now. And finally, we find out what fintech buzzword Ruwani wants to throw into our Fintech Jail! ----------------------------------------------------------------------- ABOUT FINTECH FUTURES FinTech Futures is a leading global platform for fintech news, analysis, and insights. With a mission to empower the financial technology community, we bring you the latest updates and thought leadership from across the industry. From startups to established players, we cover the entire fintech ecosystem. Stay Connected with FinTech Futures: Visit our website: https://www.fintechfutures.com Follow us on LinkedIn: https://www.linkedin.com/company/fintechfutures/ Sign up to our newsletter: https://www.fintechfutures.com/newsletter Subscribe to our YouTube channel: https://www.youtube.com/@FinTechFuturesWhat the FinTech? | S.7 Episode 3 | Breaking down fintech lending and investment trends with Fasanara Capital
In the latest episode of the What the FinTech? podcast, we're joined by Francesco Filia, founder and CEO of Fasanara Capital, to delve into emerging investment trends and strategies for identifying …
Notes de l’épisode
In the latest episode of the What the FinTech? podcast, we're joined by Francesco Filia, founder and CEO of Fasanara Capital, to delve into emerging investment trends and strategies for identifying high-potential fintech companies. Francesco sits down with FinTech Futures reporter Cameron Emanuel-Burns to explore how the UK fintech ecosystem stacks up against global counterparts. They also discuss the rise of fintech lending, its impact on the industry, and the current valuation landscape. The conversation also touches on Francesco's career, how he came to found Fasanara, and tips he would give to entrepreneurs and investors looking to navigate the fintech sector. And finally, we discover which fintech buzzword Francesco wants to throw into or rescue from our Fintech Jail!What the FinTech? | S.7 Episode 2 | From digital transformation to the reimagination of banking
In this episode of the What the FinTech? podcast, host and FinTech Futures editor Paul Hindle is joined by Richard Ullenius, Vice President of Global Banking and Financial Services at CSG, to explore why the …
Notes de l’épisode
In this episode of the What the FinTech? podcast, host and FinTech Futures editor Paul Hindle is joined by Richard Ullenius, Vice President of Global Banking and Financial Services at CSG, to explore why the next era of banking demands reimagination rather than incremental transformation, and the defining factors that will set leading banks apart over the next five years. The conversation covers how trust, risk, and human judgment must evolve in the age of AI-driven banking models and real-time banking, how trust can become a competitive advantage for financial firms, and how risk and compliance can act as enablers of innovation rather than constraints. Paul and Richard also dive into the critical balance between human judgment and AI automation in powering responsible banking, and how regulation can help spur innovation amid the rapid evolution of technology and shifting consumer demands. And finally, we find out what fintech buzzword Richard wants to free from our Fintech Jail!What the FinTech? | S.7 Episode 1 | Exploring the relationship between AI and CX in banking with TD Bank
In the opening episode of season seven of the What the Fintech? podcast, we’re joined by Ted Paris, Head of Analytics, Intelligence, and AI at TD Bank, to discuss the evolving role of AI in financial services …
Notes de l’épisode
In the opening episode of season seven of the What the Fintech? podcast, we’re joined by Ted Paris, Head of Analytics, Intelligence, and AI at TD Bank, to discuss the evolving role of AI in financial services and how customers are embracing AI within banking. Ted and FinTech Futures editor Paul Hindle discuss the findings of TD’s recent survey on how Americans perceive and interact with AI in finance, uncovering key insights about adoption barriers, trust, and the tools resonating most with consumers. The discussion covers how TD Bank is leveraging AI to enhance accessibility, improve the customer experience, and innovate through initiatives like its Layer 6 office, while also touching on the future of agentic AI and its transformative potential for banking. And finally, we find out what fintech buzzword Ted wants to lock away in our Fintech Jail!What the FinTech? | S.6 Episode 25 | 2025 in review and predictions for 2026
In the final episode of season six of the What the FinTech? podcast, host Paul Hindle is joined by FinTech Futures columnists and fellow podcast hosts Dave Wallace and Dharmesh Mistry to take a look back at …
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In the final episode of season six of the What the FinTech? podcast, host Paul Hindle is joined by FinTech Futures columnists and fellow podcast hosts Dave Wallace and Dharmesh Mistry to take a look back at some of the biggest trends to come out of 2025 and discuss what the new year might bring for the financial services sector. The discussion covers topics including agentic AI, stablecoins, neurodiversity in financial services, digital wallets, the future of payments, and more. And finally, in the spirit of the holidays, we find out which buzzwords Dave and Dharmesh want to release from our Fintech Jail!What the FinTech? | S.6 Episode 24 | How AI is transforming traditional banking
In the latest episode of the What the FinTech? podcast, we’re joined by Natasha Sarin, Senior Product Owner, Data and AI at Lloyds Banking Group, to discuss the evolving relationship between traditional banking …
Notes de l’épisode
In the latest episode of the What the FinTech? podcast, we’re joined by Natasha Sarin, Senior Product Owner, Data and AI at Lloyds Banking Group, to discuss the evolving relationship between traditional banking and artificial intelligence. Natasha and FinTech Futures reporter Cameron Emanuel-Burns delve into Lloyds' generative AI strategy, showcase current use cases enhancing internal operations, and explore Natasha's insights into the future potential of the technology. Natasha also reflects on her career journey, the most exciting projects she’s worked on at Lloyds, the challenges of implementing AI strategies, and the importance of ensuring AI-generated financial information remains accurate and trustworthy.What the FinTech? | S.6 Episode 23 | How behavioural science shapes financial decisions
In the latest episode of the What the FinTech? podcast, we're joined by two of BeHive Consulting's co-founders, CEO Rachel Altmann and Chief Behavioural Scientist Noemi Molnar, to delve into how behavioural …
Notes de l’épisode
In the latest episode of the What the FinTech? podcast, we're joined by two of BeHive Consulting's co-founders, CEO Rachel Altmann and Chief Behavioural Scientist Noemi Molnar, to delve into how behavioural science influences financial decision-making. The conversation explores how the growing trend of digital transformation is reshaping our psychological relationship with money and the key psychological principles fintechs should consider when designing new products. Altmann and Molnar, speaking with FinTech Futures reporter Cameron Emanuel-Burns, also examine gender differences in investing, the impact of financial anxiety on the adoption of new financial technologies, and the psychological factors that drive trust in digital-only services. The episode further highlights behavioural science techniques that some fintech companies have exploited, and Rachel shares the tips she received from her "future AI-self" at this year’s Sibos conference. And finally, we discover which fintech buzzword Rachel and Noemi want to throw into or rescue from our Fintech Jail!What the FinTech? | S.6 Episode 22 | How Visa Direct is helping to unlock the future of global payments – live at Money20/20 USA
In this episode of the What the FinTech? podcast recorded live at Money20/20 USA in Las Vegas, FinTech Futures' US correspondent Heather Sugg is joined by Justin Zhao, Head of Global Partnerships at Visa …
Notes de l’épisode
In this episode of the What the FinTech? podcast recorded live at Money20/20 USA in Las Vegas, FinTech Futures' US correspondent Heather Sugg is joined by Justin Zhao, Head of Global Partnerships at Visa Direct, to explore how Visa Direct is pioneering the use of stablecoins to modernise cross-border payments. With the launch of Visa's pilot programme announced in September, Visa is testing stablecoin prefunding to help reduce settlement delays, unlock liquidity, and enable more flexible money movement for fintechs and remitters. Tune in to hear how Visa Direct is helping bridge traditional infrastructure with next-gen payment rails—and what this means for the businesses operating in a digital-first economy.What the FinTech? | S.6 Episode 21 | The future of cross-border payments
In this episode of the What the FinTech? podcast, host and FinTech Futures editor Paul Hindle is joined by Will Marwick, CEO of IFX Payments, to explore the rapidly evolving UK payments landscape and the future …
Notes de l’épisode
In this episode of the What the FinTech? podcast, host and FinTech Futures editor Paul Hindle is joined by Will Marwick, CEO of IFX Payments, to explore the rapidly evolving UK payments landscape and the future of cross-border transactions. The conversation covers the challenges around cross-border payments for corporates and SMEs, how IFX is tackling friction points in international transactions, and how the FX brokerage market has evolved amid significant FX volatility in recent years. Looking toward emerging technologies, Will also gives his perspective on the growing traction of stablecoins and their potential role in the future of international transactions. And finally, we find out what fintech buzzword Will wants to throw into our Fintech Jail!What the FinTech? | S.6 Episode 20 | How the Georgia Fintech Academy is shaping the next generation of financial technology – live at Money20/20 USA
In this episode of the What the FinTech? podcast recorded live at Money20/20 USA in Las Vegas, FinTech Futures' US correspondent Heather Sugg is joined by Laura Gibson-Lamothe, executive director of the Georgia …
Notes de l’épisode
In this episode of the What the FinTech? podcast recorded live at Money20/20 USA in Las Vegas, FinTech Futures' US correspondent Heather Sugg is joined by Laura Gibson-Lamothe, executive director of the Georgia Fintech Academy, to explore how the organisation is opening up connections between students and the financial technology sector. The discussion touches on Laura's distinguished career path and examines how fintech companies collaborate with the academy, while also highlighting a recent hackathon that attracted over 300 students who tackled challenges involving artificial intelligence, stablecoins, and financial inclusion. Listen in to hear Laura's advice for other fintech academies considering their launch, along with her insights on the future of fintech talent development.What the FinTech? | S.6 Episode 19 | The defining trends shaping Europe’s fintech scene
In this episode of the What the FinTech? podcast, host and FinTech Futures editor Paul Hindle is joined by Marie-Gwenhaelle Geffroy, Head of Growth Capital at BNP Paribas, to explore the key start-up and …
Notes de l’épisode
In this episode of the What the FinTech? podcast, host and FinTech Futures editor Paul Hindle is joined by Marie-Gwenhaelle Geffroy, Head of Growth Capital at BNP Paribas, to explore the key start-up and funding trends in the European fintech space this year and learn more about BNP Paribas’ fintech investment strategy and how the bank works with new start-ups to help them scale and grow. The conversation covers how Europe’s fintech landscape has evolved in recent years and some of the defining focus areas across the region, which emerging technologies and use cases are picking up the most traction and showing the most potential moving forward, and Marie’s top tips for fintech founders looking to grow their businesses. And finally, we find out what fintech buzzword Marie wants to free from our Fintech Jail!What the FinTech? | S.6 Episode 18 | How AI is revolutionising financial crime compliance
In this episode of the What the FinTech? podcast, host and FinTech Futures editor Paul Hindle is joined by David Caruso, Vice President of Financial Crime Compliance at WorkFusion, to explore the topic of …
Notes de l’épisode
In this episode of the What the FinTech? podcast, host and FinTech Futures editor Paul Hindle is joined by David Caruso, Vice President of Financial Crime Compliance at WorkFusion, to explore the topic of financial crime compliance and how advances in artificial intelligence (AI) are causing a generational shift in the anti-money laundering (AML) technology space. The conversation covers how AI is revolutionising AML tech and the key elements of financial crime compliance that are most impacted by AI right now, the challenges that exist for AI adoption in the financial crime compliance sector, and the key benefits being offered by the technology and its next stages for development, as well as how WorkFusion has looked to utilise AI agents to help its clients detect and prevent financial crime. And finally, we find out what fintech buzzword David wants to throw into our Fintech Jail!
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