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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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Now displaying: 2018
Fintech Opportunities in Emerging Markets 0
Jun 26, 2018
Today, we're joined by two excellent guests to discuss recent developments and new opportunities in emerging markets fintech.
 
Ameya Upadhyay is a Principal at Omidyar, an impact fund that has deployed over $1.3bn over the past 10 years. Asad Naqvi is Managing Director of Apis, a growth stage private equity fund focused on Emerging Markets.

We originally connected with Ameya in Episode 39 in May 2017. If you like today's episode, check that one out too at www.bankingthefuture.com.

In this conversation, we discuss the importance of cash and human touch points as a part of the innovation equation in Emerging Markets, why fintechs are overvalued, how raising a series C round is similar to turning 40, where the most recognized players in cross-border payments fintech have fallen short and much more.

As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.
 
If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.

Thank you very much for joining us today. Please welcome, Ameya Upadhyay and Asad Naqvi.
Open Banking 2.0 with Bud, Starling and techUK 0
Jun 19, 2018

Today we have an epic line up to discuss the ever evolving topic of Open Banking.

Formally implemented as law in Europe in January as PSD2 in Europe and Open Banking in the UK, we're still in the very early days of what will be a transformational change in financial services.

Joining us to discuss current developments in Open Banking and where we're headed from here are Louise Beaumont, Co-Chair of techUK's Open Banking & Payments Working Group and a member of the Open Banking Implementation Entitiy Working Group, Megan Caywood, Chief Platform Officer at Starling Bank, a UK digital bank differentiating through Open Banking, and Jamie Campbell, Head of Awareness at Bud, a fintech leveraging Open Banking to create new revenue streams for banks.

In the episode, Jamie mentions the book Bud have published on Open Banking, available here.

You may have noticed that we've recorded the last few episodes in the offices of Saxo Payments Banking Circle, a new utility layer for banking. I was recently involved in a report they coordinated on Open Banking and other trends, and how they're reshaping the industry, which I'll link to in the show notes.

As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.

If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.

Thank you very much for joining us today, please welcome Louise Beaumont, Megan Caywood and Jamie Campbell.

Data Ethics in a Changing World 0
Jun 12, 2018

Today, we're thrilled to be joined by four entrepreneurs working with data to change the world. 

Julian Ranger is the Chairman of digi.me, a platform that allows users to take back ownership of their data currently spread around the web and use it to their own benefit.

Aneesh Verna is the Founder and CEO of Aire, a new breed of credit bureau improving access to credit.

Charles Bradley and Hannah Leach are from Adapt, an advisory firm helping companies build strategies and governance around data.

What more topical subject right now than data, with GDPR still brand new and the Facebook/Cambridge Analytica saga still fresh in mind.

We talk about how people and companies should think about data, what's still missing from the data equation, the ethics of data and its capture, retention and processing, the tension between commercial and privacy concerns and much more.

Connect with us on Twitter @rebankpodcast, on Facebook, LinkedIn or on our website at www.bankingthefuture.com.

If you enjoy today's episode, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.

Thank you very much for joining us today. Please welcome, Aneesh Verna, Charles Bradley, Hannah Leach and Julian Ranger.

Leveraging Data to Fix Consumer Credit with Credit Kudos and Pariti 0
May 29, 2018
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've had on the podcast before.
 
To help people get oriented, Freddy’s voice is the one you’ll hear in response to my first question about how credit scores traditionally work.
 
We’ve got a number of group episodes lined up over the course of the summer. Let us know what you think of the format. Connect with us on Twitter @rebankpodcast, or on LinkedIn, Facebook or our website at www.bankingthefuture.com.
 
If you like today's episode, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
 
Thank you very much for joining us today. Please welcome, Freddy Kelly and Matt Ford.
Bringing Open Source to Financial Services with FINOS 0
May 22, 2018
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 technologies.
 
In this conversation, we get into the benefits of transparent code, the challenges of governance by consensus, tension between open source and profit maximization, and where the platform model is likely to go.
 
As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com. 
 
Thank you very much for joining us today. Please welcome, Gab Columbro.
Financial Markets and Network Effects with StockTwits 0
May 7, 2018
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 spend an astonishing 51 minutes per day on the platform, on average. 
 
I thought this conversation was fascinating. Dan is an extremely insightful and eloquent guy with broad intellectual interests and years of experience in markets. 
 
The discussion covers a range of topics, including network effects, the impacts of the real-time, free flow of information, behavioral economics and social networks and human nature. 
 
 
Connect with us on Twitter @rebankpodcast or on LinkedIn, Facebook or YouTube.
 
If you like today's episode, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
 
Thank you very much for joining us today. Please welcome, Dan Ramsden. 
The Power of Artificial Intelligence for Good and Evil 0
May 1, 2018
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 these technologies will shape the next few decades at least. 
 
Charlie Delingpole is the Founder and CEO of ComplyAdvantage, a data company leveraging machine learning to identify bad actors and feed that information to bank anti money laundering and compliance teams to prevent crime. Ricky Knox is the Founder and CEO of Tandem, a UK bank using data to provide personalized financial guidance to customers, and Lex Sokolin, the former Founder and CEO of NestEgg Wealth, a roboadvisor that was acquired by AdvisorEngine in 2014. Currently, Lex runs the emerging tech business for Autonomous Research, a buy-side research firm. 
 
Lex and his team recently published an excellent deep dive on artificial intelligence, which is available at: https://next.autonomous.com/augmented-finance-machine-intelligence.
 
Lex also publishes one of the best fintech newsletters, which you can subscribe to at: http://bit.ly/autonomousnext.
 
We pick the conversation up in full swing. Buckle your seatbelts, it gets serious fast. 
 
I’m going to publish an accompanying article with a number of the talking points that inspired this discussion at www.bankingthefuture.com/artificialintelligence.
 
I’d love to share more of these types of conversations, from meet ups and private events and the like, if people find them interesting. Let me know what you think on Twitter @rebankpodcast or by email at will.beeson@bankingthefuture.com. 
 
The first voice you hear after mine is Lex’s, followed by Charlie's and then Ricky’s. 
 
Thanks very much for joining us today. Please welcome, Lex Sokolin, Charlie Delingpole and Ricky Knox. 
Digital Identity and the Future of Privacy 0
Apr 24, 2018
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 fascinating glimpse into what the future of data, privacy and identity might look like.
 
Connect with us on Twitter @rebankpodcast or on LinkedIn, Facebook or YouTube.
 
If you enjoy today's episode, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
 
Thanks very much for joining us today. Please welcome, Robin Tombs.
Is Culture a Problem in Banking? 0
Apr 17, 2018
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 consultant. Alessandro Hatami is the former Group Digital Director at Lloyds Bank and currently advises Tier 1 banks on digital solutions.
 
This conversation was a bit experimental, in terms of both format and subject. Let us know what you think of the group discussion.
 
I'm not sure we reached a conclusion, per se, dealing with a topic as broad as culture, but I think we surfaced some interesting considerations. What did we miss? Let us know on Twitter @rebankpodcast or in the comments section of the episode page at www.bankingthefuture.com/culture.
 
Thank you very much for joining us today. Please welcome, Duena Blomstrom, Sharon O'Dea and Alessandro Hatami.
Institutional Crypto with Kevin Beardsley of B2C2 0
Apr 10, 2018
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 investment community interacts with crypto and where the space is going.
 
Prior to joining B2C2, Kevin ran Business Development at Elliptic, a software and investigations company that helps banks and law enforcement agencies monitor Bitcoin transactions and detect suspicious activity. Before that, he was Director of Membership at the Bitcoin Foundation.
 
Today's conversation was a great opportunity to take stock on where the crypto space sits in its development and where it might be going.
 
Connect with us on Twitter @rebankpodcast or on LinkedIn, Facebook or YouTube.
 
Thanks very much for joining us today. Please welcome, Kevin Beardsley.
 
 
What's Next in Cards? with Global Processing Services 0
Apr 3, 2018
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.
 
Connect with us on twitter @rebankpodcast or on LinkedIn, Facebook or YouTube.
 
Thank you very much for joining us today. Please welcome, Suresh Vaghjiani.
Society, Culture and Financial Innovation with The Financial Revolutionist 0
Mar 27, 2018
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 at thefinancialrevolutionist.com. Some of the highlights from recent editions include interviews with Max Levchin, Jay Fulcher and others, and some really fascinating thinking about how the world is likely to evolve between now and 2028.
 
In this far reaching conversation, we dig into topics ranging from career reinvention and the future of work to universal basic income, the role of crypto in campaign finance reform and much more.
Can a Bank Be a Unicorn? with OakNorth 0
Mar 20, 2018

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, where we got into the founder's story. It's still a highly relevant conversation, and I'd encourage you to check it out.

In the year and a half since we connected with Joel, OakNorth has been killing it. They broke even twenty-two months after launch, they've originated close to £1b in loans to UK SMEs, they've raised £250m at a billion dollar plus valuation....oh yeah, and they've built and launched a side hustle called Acorns that could be as big or bigger than OakNorth itself. No big deal.

This was such a fun chat with two super smart, high energy women. I don't expect it will be the last time we have them on show.

If you enjoy today's episode, share the love on Twitter, Facebook and LinkedIn.

Thanks to everyone who signed up for the newsletter in the past week or two. Watch your inbox.

Thank you very much for joining us today, please welcome, Cristina Alba Ochoa and Valentina Kristensen.

Building a Utility Layer for Banking 0
Mar 13, 2018
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 to starting Banking Circle.
 
If you enjoy today's episode, check out the entire back catalog at www.bankingthefuture.com.
 
Thank you very much for joining us today, please welcome, Anders La Cour.
Alternative Lending with Spotcap & iwoca 0
Mar 6, 2018
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 of fintech focus, lending has come a long way, and certainly had it's ups and downs - perhaps more to come when we hit a less happy place in the credit cycle. We talk about that with Jens and Christoph, along with what differentiates their models, how balance sheet lending compares to peer to peer lending, where Spotcap and iwoca outperform, and much more.
 
If you haven't signed up for our newsletter yet, head over to bankingthefuture.com and do it now. We're going to be creating a lot of new content across audio, video and written pieces, and the best place to keep up with it all is the mailer.
 
Keep the support coming on social media and through the website. Can't believe we're closing in on 80 episodes. Thanks to all you amazing listeners for seeing us this far.
The State of the Union with Sam Maule 0
Feb 27, 2018
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, LinkedIn or on our website at bankingthefuture.com.
 
If you enjoy today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
 
Thank you very for joining us today. Please welcome, Sam Maule.
GoCardless, Payments and Life with Hiroki Takeuchi 0
Feb 20, 2018
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 Y Combinator in early on and have some interesting stories about that experience.
 
Today's conversation covers a number of topics, some of which are quite challenging. I'd highly encourage you to listen through to the end. Hiroki is an exceptional entrepreneur with a powerful story.
 
Check out the show notes at www.bankingthefuture.com for links to the articles mentioned in today's conversation.
 
If you enjoy today's episode, please subscribe on iTunes, or your podcast platform of choice.
 
Thank you very much for joining us today. Please welcome Hiroki Takeuchi.
All About Insurtech with Nigel Walsh 0
Feb 12, 2018
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 UK and European Insurance companies on major systems replacements and technology transformation projects aimed at improving the customer and broker experience.  
 
Nigel hosts a podcast called Insurtech Insider, where he goes deep on Insurtech topics on a regular basis. If you find today’s episode interesting, I’d highly encourage you to check it out. 
 
Thanks very much for joining us today, please welcome, Nigel Walsh.
Tech, Talent and Diversity in a Changing World 0
Feb 5, 2018
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, including serving as the Chief Marketing Officer of O2, the Global Innovation Director for Telefonica and Managing Director, EMEA for Skype.
 
In addition to his work at TLA, Russ is a non-executive director of three tech companies, two of which are publicly listed, and an angel investor.
 
If you enjoy today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
Wealth for All with Betterment 0
Jan 30, 2018
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 intersection of behavior, psychology, and economics, all of which we get into in today's conversation.
 
If you enjoy today's episode, we'd really appreciate it if you shared it with one other person who might like it. Fintech is relevant all over the world, and we'd love your help spreading the message.
 
Thank you very much for listening today. Please welcome, Jon Stein.
From Barclays to 10x: Making Banking Ten Times Better with Antony Jenkins 0
Jan 23, 2018
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 Branson. Antony also sits on the digital advisory council of Fannie Mae and is a member of a consultative working group for ESMA, the European financial regulatory institution.
 
From 2012-2015, Antony served as CEO of Barclays Bank.
 
At 10x, Antony and his team are building a digital bank for Virgin Money in the UK and speaking with banks around the world about implementing end-to-end-digital capabilities. Investors in 10x include Ping An, the China-based technology giant who was the primary investor in the £34m Series A funding round for 10x last September – the largest ever Series A for a European fintech firm.
 
If you're interested in the topics we discuss today, subscribe to our mailing list at www.bankingthefuture.com.
 
Thank you very much for joining us today. Please welcome, Antony Jenkins.
Open Banking with Starling Bank 0
Jan 16, 2018
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, the day after we recorded this episode, making effective one of the most dramatic changes to the banking industry in decades.
 
Open data models, APIs and multi-party customer experience are core to Starling's model in the same way they are those of Google, Apple, Facebook and others. It's unclear how quickly the impact of Open Banking will be felt or exactly how the legislation will affect the market, but it could be transformational.
 
As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.
 
If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
 
Thank you very much for joining us today, please welcome Megan Caywood.
An Update from Crypto Land 0
Jan 9, 2018
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, a blockchain company, and lead advisor to MindArk, a video game developer preparing an ICO.
 
We get into some of the higher level developments in the crypto space with Lawrence, and dig into a specific ICO use case with Oliver in the second half of the episode.
 
It feels like we're in the middle of a hurricane in the crypto space, with prices blowing in all directions while the underlying technological and social components struggle to take hold. Crypto is one of the most fascinating topics out there right now, and you're bound to have views. Let us know what you think @rebankpodcast @lwintermeyer and @ONOUKSV.
Bringing Fintech to the Masses with Bud 1
Jan 2, 2018
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, they're also just great people. Give them a shout @JCtheOriginal and @NinaMohanty, and invite them to your next party.
 
Thank you very much for joining us today, please welcome Jamie Campbell and Nina Mohanty.
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