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Rebank

Financial innovation, technology advances and social changes are sending shockwaves through the financial services industry. In an age of increasingly rapid change, important questions, debates and developments are unfolding before our eyes. These ideas, and the choices we make in response to them, will shape our future. Technology is vastly powerful, creating new industries in response to – or sometimes in anticipation of – changing customer expectations. Rebank explores the trends, developments and challenges that define our age and shape the future role of money, banking and financial services.
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Rebank
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Jan 21, 2020

Today we explore the wild and wondrous world of equity primary markets. We’re joined by Anand Sambasivan, Co-Founder and CEO of PrimaryBid, Marcus Stuttard, Head of UK Primary Markets for the London Stock Exchange, and Aman Ghei, Principal at Finch Capital.

To get the conversation started, former investment bankers Anand and Aman walk us through the quirky and questionable dynamics of investment bank led IPOs and share sales. We then explore alternatives to that model, including direct listings, along with a number of interesting considerations about private vs. public market capital raising, risk taking vs. value capture, preference stacks and more.

For all of our past episodes, and to sign up to our newsletter, please visit www.bankingthefuture.com

Thank you very much for joining us today. Please welcome Anand Sambasivan, Marcus Stuttard and Aman Ghei.

Dec 11, 2019

Richard Gendal Brown is the CTO of R3, an enterprise blockchain company backed by a number of high profile strategic investors.

R3 has been working on its Corda platform since the early days of blockchain mania and is now actively supporting projects and implementations in syndicated lending, trade settlement, supply chain management and more.

In this conversation, Richard reconciles the early hype around blockchain with the current meaningful real world implementations and describes where early adopters are planning to take the technology.

For all of our past episodes, and to sign up to our newsletter, please visit www.bankingthefuture.com

Thank you very much for joining us today. Please welcome, Richard Gendal Brown.

Dec 3, 2019

Ned Phillips is the Founder and CEO of Bambu, a white-label roboadvisory platform.

Backed by Franklin Templeton, among others, Bambu builds roboadvisory offerings for banks, investments firms and other consumer-facing businesses. In this conversation, we discuss the limitations of current roboadvisory offerings, the reasons banks have trouble designing solutions for customers and where the space goes from here.

Prior to founding Bambu, Ned was the Managing Director of Asia for E-Trade and brings a decades long perspective on digital investments to this conversation.

I’m a firm believer in the power of technology in personal financial management as much as in any other vertical, and we’ve only just scratched the surface.

For all of our past episodes, and to sign up to our newsletter, please visit www.bankingthefuture.com

Thank you very much for joining us today. Please welcome, Ned Phillips

Nov 27, 2019

Sean Hanafin is the Group President of Greensill, a modern supply chain finance provider that has raised an astonishing $1.5 billion in equity this year alone.

Backed by General Atlantic and Softbank, Greensill is aiming to quickly scale its technology-driven supply chain finance offering across the largest markets in the world. On top of that, the company is looking to leverage an approach similar to its B2B financing model to unlock daily salary access for public and private sector employees, ending payday lending forever.

With a banking license in Germany, a team of highly experienced senior bankers and aspirations to reimagine the multi-hundred billion dollar global supply chain finance market, it’s safe to say this is no ordinary fintech startup.

For all of our past episodes, and to sign up to our newsletter, please visit www.bankingthefuture.com

Nov 19, 2019

Charlie Delingpole is the Founder and CEO of ComplyAdvantage, a global AML, sanctions screening and transaction monitoring company.

Backed by Balderton and Index, the latter of which led a $30-million Series B in the company in January, ComplyAdvantage is scaling beyond financial services to deliver real-time compliance monitoring across industries.

We’re joined in today’s conversation by Aman Ghei, a Principal at Finch Capital, one of the most active early stage fintech funds in Europe and Southeast Asia.

For all of our past episodes, and to sign up to our newsletter, please visit www.bankingthefuture.com

Thank you very much for joining us today. Please welcome, Charlie Delingpole and Aman Ghei

Nov 12, 2019
Kristo Käärmann is the co-founder and CEO of TransferWise, a payments company fighting to break banks’ usurious grip on FX and international transfers. 
 
TransferWise is one of Europe’s greatest fintech success stories, most recently valued at $3.5 billion in a secondary offering earlier this year. The company has nearly 2,000 employees around the world, moves $5.5 billion a month between nearly 100 countries and saves customers over $1 billion a year in fees.
 
In this conversation, Kristo and I discuss the evolution of international payments, how TransferWise helps banks as much as challenges them and how competition will shape the digital banking space.
 
For all of our past episodes, and to sign up to our newsletter, please visit www.bankingthefuture.com.
 
Thank you very much for joining us today. Please welcome, Kristo Käärmann.
Oct 30, 2019

Freddy Kelly is the Founder and CEO of Credit Kudos, a UK company redesigning the credit bureau for the modern age.

Unhappy with the inaccuracy, opaqueness and questionable data ethics of the traditional model, Credit Kudos is using Open Banking, machine learning and customer consent in an attempt to create a more transparent, more predictive credit scoring system. 

In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.

Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.>

For more information about our services, please visit www.bankingthefuture.com.

Thank you very much for joining us today. Please welcome, Freddy Kelly.

Oct 16, 2019

Immad Akhund is the founder and CEO of Mercury, a bank for startups. 

Mercury, which launched to market in April, has raised $26 million from Andreessen Horowitz and a number of others, including the founder of Silicon Valley Bank, a respected player in the startup banking space.

Mercury offers FDIC-insured checking and savings accounts, along with payments, cashflow analytics and API-access to its customers and plans to continue rolling out functionality.

The startup banking space is hot, with players like Brex and Divvy capitalizing on the credit card and corporate spend side, and new players like Mercury exploring banking more comprehensively.

We hope you’ll bear with us on audio quality today. We picked up a bit of background noise while recording, but the conversation itself is great.

In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.

Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.

For more information about our services, please visit www.bankingthefuture.com.

Thank you very much for joining us today. Please welcome, Immad Akhund.

Oct 10, 2019

Naftali Harris is the Co-Founder and CEO of SentiLink, a synthetic fraud prevention company.

Naftali was the first data science hire at Affirm, where he built some of the lender’s first fraud models.

For the past couple years, Naftali has been working to solve the problem of synthetic fraud, a surprisingly pervasive and little-discussed source of credit losses for banks.

Earlier this year, SentiLink raised a $14 million Series A round led by Andreessen Horowitz, in which Affirm's Max Levchin, and Plaid CEO Zach Perret also participated.

In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.

Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.

For more information about our services, please visit www.bankingthefuture.com.

Thank you very much for joining us today. Please welcome, Naftali Harris.

Sep 30, 2019

Lex Sokolin is the Global Fintech Co-Head at ConsenSys, the leading crypto software development studio and venture builder. 

As regular listeners know, Lex is one of the world’s leading authorities on the intersection of crypto, disruptive technologies and financial services.

In this conversation, we get Lex’s perspective on where crypto is focused today, the emergence of decentralized finance and the practical implications for financial services.

In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.

Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.

For more information about our services, please visit www.bankingthefuture.com.

Sep 10, 2019

Joseph Healy is the Co-Founder and Co-CEO of Judo Bank, an SME challenger bank in Australia. Fresh off a A$400m equity raise from Bain Capital and others, Judo is on track to lend A$1 billion by year end.

Prior to starting Judo, Joseph held executive positions at NAB, ANZ, CIBC World Markets, Citibank and Lloyds. From 2008-2014, Joseph ran NAB’s Business Banking unit, the largest business banking division in Australia.

Joseph and I discuss the state of business banking in Australia, why he needed to start a new bank rather than seeking to reform an incumbent bank from the inside and the learnings from decades as a traditional banking executive that Joseph is applying at Judo.

In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.

Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.

For more information about our services, please visit www.bankingthefuture.com.

Thank you very much for joining us today. Please welcome, Joseph Healy.

Sep 2, 2019

Oliver Prill is the CEO of Tide, a leading business banking provider for UK SMEs. Charles McManus is the CEO of ClearBank, the first new clearing bank in the UK in nearly 200 years

Tide and ClearBank recently won a £60 million grant as part of the RBS remedies program, which we’ve discussed before on the podcast and which Charles describes to start us off.

With the funding, Tide, backed by ClearBank, aims to achieve high single-digit market share in the UK SME banking market with its digital proposition. 

In this conversation, we discuss Tide’s plans as well as the UK SME market in general.

The first voice you’ll hear in the conversation after mine is Charles’s, followed by Oliver’s. You’ll hear us refer to the BCR, or Banking Competition Remedies, the body responsible for administering the remedies program.

In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.

Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.

For more information about our services, please visit www.bankingthefuture.com.

Thank you very much for joining us today. Please welcome, Oliver Prill and Charles McManus.

Aug 27, 2019

Seth Rosenberg focuses on fintech at Greylock, one of Silicon Valley’s most storied venture firms, with noteworthy investments including LinkedIn, Facebook, Airbnb and many more.

In this conversation, we talk through Greylock’s fintech thesis, Seth’s view of where the industry is going and the way the firm looks at investments in general. We reference a deck Greylock published, accessible here.

In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.

Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.

For more information about our services, please visit www.bankingthefuture.com.

Thank you very much for joining us today. Please welcome, Seth Rosenberg.

Aug 21, 2019

Mike Massaro is the CEO of Flywire, a Boston-based payments company.

Flywire specializes in large-value payments for education, healthcare and travel. Flywire has raised over $140 million from leading investors including Spark Capital, Fidelity’s F-Prime, Bain Capital, Temasek, Accel Partners and QED Investors.

In this conversation, Mike and I discuss the drivers and implications of recent consolidation in the payments industry, existential threats to payments incumbents and the trend of payments integration into vertical software platforms.

In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.

Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.

For more information about our services, please visit www.bankingthefuture.com.

Thank you very much for joining us today. Please welcome, Mike Massaro.

Aug 13, 2019

Ryan Gilbert is a General Partner at Propel, a San Francisco-based venture firm with investments in companies including Coinbase, Personal Capital, Trussle, Prosper and many more.

Prior to joining Propel, Ryan founded and ran SmartBiz loans, a leading SBA loan originator.

In this conversation, we explore a few interesting fintech verticals, including mixed commerce, insurtech and payroll benefits, by way of recent investments Ryan has made.

In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.

Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.

For more information about our services, please visit www.bankingthefuture.com.

Thank you very much for joining us today. Please welcome, Ryan Gilbert.

Aug 6, 2019

Sankaet Pathak is the Founder and CEO of Synapse, a platform banking provider. 

Fresh off a Series B led by Andreessen Horowitz, Synapse is operating at the leading edge of the potentially massive platform banking trend.

In this conversation, we discuss the issues with existing sponsor banking infrastructure, examples of new propositions that can be created using a platform like Synapse and the implications of big tech and non-banks increasingly surfacing banking and financial services products within their offerings.

In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.

Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.

For more information about our services, please visit www.bankingthefuture.com.

Thank you very much for joining us today. Please welcome, Sankaet Pathak.

Jul 30, 2019

Donna Parisi is a Derivatives Partner and Global Head of Financial Services and Fintech for Shearman & Sterling, a leading global law firm.

In addition to her work on a range of derivatives, structured products, securitization, capital markets and commodities matters, Donna has built specific expertise in crypto, tokens and digital assets, which are the subject of our conversation today.

Donna and I discuss regulatory frameworks and institutional infrastructure for digital assets, where the space is going and why. You’ll note that we intentionally don’t dig into Facebook’s Libra project, which I may pick up in a standalone episode in the future.

In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.

Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.

For more information about our services, please visit www.bankingthefuture.com.

Thank you very much for joining us today. Please welcome, Donna Parisi.

Jul 23, 2019

Jon Stein is the Founder and CEO of Betterment, one of the world’s leading digital investments companies.

We first connected with Jon in January 2018 in a great episode that’s still very relevant today. Since then, Betterment has added $4 billion in assets under management to its platform, and today, they’re launching checking and savings accounts as they extend their offering into banking.

This move is a compelling one at a time when consumer fintechs are increasingly extending early product sets in pursuit of comprehensive financial services offerings.

In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.

Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.

For more information about our services, please visit www.bankingthefuture.com.

Thank you very much for joining us today. Please welcome, Jon Stein.

Jul 18, 2019

The subject of today’s conversation is design in financial services.

We talk all the time about the new customer experiences shaping the evolution of finance, generally focusing on the implications of those forces and others on the trajectory of the industry. Today, we take a closer look at those experiences themselves, through the eyes of the people designing them.

The first voice you’ll hear after Will's is that of Yenny Otero, Head of Design at TSB. The following speaker is Nick Haley, Product Design Principal at Idean, a design agency. The fourth and last voice that enters the conversation is that of Noel Lyons, Experience Design Director at Barclays.

Design is an increasingly important function in financial services, with organizations around the world embedding it in product development and leveraging it for better traction, engagement and ultimately, monetization.

In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.

Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.

For more information about our services, please visit www.bankingthefuture.com.

Thank you very much for joining us today. Please welcome, Yenny Otero, Noel Lyons and Nick Haley.

Jul 10, 2019

The investments space is changing as fast as any other financial services vertical, with roboadvisors, free stock trading apps, contextual behavioral experiences, software automation, AI, new pricing structures and crypto all shaping the future direction of the industry.

Today, we discuss the current state and likely future of the space with two of the leading firms in the industry.

Chris Worle is the Chief Digital Officer at Hargreaves Lansdown, the UK’s leading retail investments platform. Joe Parkin leads the UK iShares business and digital wealth for Northern Europe at BlackRock, one of the world’s leading investment firms.

This conversation is a great complement to past episodes with Nutmeg, Betterment and Scalable Capital exploring the evolution of investment management.

In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.

Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.

For more information about our services, please visit www.bankingthefuture.com.

Thank you very much for joining us today. Please welcome, Chris Worle and Joe Parkin.

Jul 2, 2019

Paul Taylor is the founder and CEO of Thought Machine, a cloud native core banking platform.

We first connected with Paul in November 2017, where we walked through his background as a Google AI engineer and the origins of Thought Machine.

Today, we zoom out and update, digging deeper into what drives banks’ decisions to modernize core infrastructure and how, what approaches are best for what organizations and who is furthest along in the journey.

In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.

Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.

For more information about our services, please visit www.bankingthefuture.com.

Thank you very much for joining us today. Please welcome, Paul Taylor.

Jun 24, 2019

Michael Rolph is the co-founder and CEO of Yoyo, a payments, loyalty and receipt app enriching commerce for customers and merchants.

The payments space has been actively lately, as incumbents consolidate and startups seek new attack vectors leveraging open banking, native device components, tokens and other emerging technologies.

Michael brings a value perspective to recent developments in the space and talks through where payments might be headed.

In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.

Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.

For more information about our services, please visit www.bankingthefuture.com.

Thank you very much for joining us today. Please welcome, Michael Rolph.

Jun 18, 2019
Nick Hungerford is the founder of Nutmeg, the UK’s leading roboadvisor.
 
Nick founded Nutmeg in 2011 and ran it for five years. Currently, Nick is a partner at Portag3 Ventures and serves on the boards of Nutmeg, multiply.ai and Hong Kong based digital bank Neat.
 
In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.
 
Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.
 
For more information about our services, please visit www.bankingthefuture.com.
 
Thank you very much for joining us today. Please welcome, Nick Hungerford.

 

Jun 10, 2019
Ron Suber is the former head of Prosper, one of the original peer-to-peer lenders.
 
Prior to getting involved in Prosper, Ron built and sold Merlin, a tech-first prime broker for the long-tail of hedge funds, acquired by Wells Fargo in 2012.
 
Ron invests in and advises a number of fintech companies and has developed views on the space and where it’s headed, all of which we get into today.
 
In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.
 
Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.
 
For more information about our services, please visit www.bankingthefuture.com.
 
Thank you very much for joining us today. Please welcome, Ron Suber.
Jun 4, 2019
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 the same sophistication you would find in other credit markets.
 
David and I talk through some of these points and explore some of the more innovative approaches being taken to address student debt levels and align the interests of students and schools.
 
In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to startups, investors and corporates.
 
Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we support startups in proposition definition, investors with deal flow and due diligence and corporates in making sense of the rapidly evolving fintech industry and the implications for their businesses.
 
For more information about our services, please visit www.bankingthefuture.com.
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