Rebank: Banking the Future

Banking and financial services are in the midst of rapid structural change. Fintechs and digital banks are redefining their industry and challenging incumbent organizations for market share. Technology is vastly powerful, creating new industries in response to – or sometimes in anticipation of – changing customer expectations. 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. Rebank: Banking the Future 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: Banking the Future



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Apr 11, 2017

Brett King, acclaimed author, speaker, futurist and host of the Breaking Banks radio show joins us to discuss quantum computing and AI following the Innovate Finance Global Summit event in London on April 10th, 2017. 

Apr 11, 2017

Michael Kent is a serial entrepreneur and the Founder and CEO of Azimo, one of Europe's most successful fintechs of recent years.

Michael is also co-founder and a non-executive director of Tandem, a new digital-only bank in the UK. Previously, Michael co-founded Small World Financial Services, a money transmission provider, which he grew to $4.5bn in annual transaction volumes.

Michael is also a startup investor and advisor, working with companies including Curve, a smarter credit card, and ComplyAdvantage, an digital KYC & compliance solution.

As always, connect with us on TwitterFacebookLinkedIn or on our website at

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, Michael Kent.

Apr 4, 2017
The OECD is actively working to promote fintech to its member countries.
Today, we're joined by Gert Wehinger, a Senior Economist at the Organization for Economic Cooperation and Development (OECD). In nearly 20 years at the OECD, Gert has worked on subjects including financial market structure and stability, economic policy and regulation, and engagement of the private financial sector.
Gert is the author of various publications, including numerous articles on financial markets and a book on high and chronic inflation and stabilization policies. 
Currently, Gert is studying the impact of fintech and disruptive innovation in finance, in the context of economic growth, development and stability.
In this conversation, we explore the powerful potential of fintech to improve economic and social well-being in both developed and developing countries.
Connect with us via TwitterFacebookLinkedIn or to continue the conversation.
Mar 28, 2017

Usama Fayyad is the CEO of Open Insights, a US-based data strategy and technology company. Usama also serves as CTO of Stella.AI a Mountain View, CA based, VC-Funded startup, and as Interim Chief Operations & Technology Officer for new, innovation-focused division of MTN, Africa's largest telecommunications provider.

From 2013-2016, Usama was Chief Data Officer at Barclays. He remains active in UK banking as a special advisor to the Board of Nationwide, the world's largest building society.

From 2004-2008, Usama was Chief Data Officer at Yahoo.

Usama has a PhD in Computer Science and Engineering, and holds adjunct professorships and university advisory positions on three continents.

As always, connect with us on TwitterFacebookLinkedIn or on our website at

Thanks so much for listening today. Please welcome, Usama Fayyad.

Mar 21, 2017

David Brear is one of the most prominent thinkers and doers in our industry. David is focused on addressing one of the biggest challenges in banking: driving technological innovation at large, incumbent organizations.

David is CEO and co-founder of 11:FS, a FinTech consultancy that helps banks become truly digital. He's also cohost of FinTech Insider, a blockbuster podcast about FinTech and financial services. Named among the Top 100 Most Influential FinTech Leaders of 2016, David is one of the most recognized and influential people in financial services. David worked at Lloyds Banking Group and Aviva on large-scale digital transformations and then led Gartner's Global Digital Banking practice before starting 11:FS.

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

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, David Brear.

Mar 14, 2017

Two Queens of Fintech, Duena Blomstrom and Liz Lumley, join us today for an insightful conversation about bank-fintech collaboration, plus an exclusive announcement from Duena.

Duena headed sales for Meniga, a successful Icelandic fintech startup, from 2010-2015. Duena has been investing in and advising fintech startups since then, especially on commercial and go-to-market strategies.

Liz ran StartupBootcamp Fintech's 2015 London program and then led ecosystem development for the accelerator. She is currently Managing Director for Thought Leadership at Rainmaking, one of the parent companies of StartupBootcamp.

If you like today's show, reach out. Tweet at us @rebankpodcast or at me, your host, @will_beeson. Connect with us via Twitter, Facebook, LinkedIn or our website

To find out more about Duena's exciting new endeavor, visit

Mar 7, 2017

Eugene Danilkis is co-founder and CEO of Mambu, a banking technology provider based in Berlin.

Eugene is literally a rocket scientist: He led a software engineering team developing NASA-certified software for the International Space Station prior to founding Mambu.

Mambu is a cloud-based technology platform that enables banks and fintechs to rapidly address new market opportunities and reduce the high costs previously associated with software licenses, maintenance and in-house infrastructure. Mambu supports a range of customers all over the world, including OakNorth, a new UK bank we covered in Episode 12, when we sat down with their co-founder Joel Perlman. If OakNorth's early success is any indication, Mambu is a powerful platform. We've touched on core technology in a few episodes recently, which has been a conscious decision.

Even with all the coverage around fintech, it can be tough to get clear, comprehensive insight into one of the most important components of banking & fintech success: core technology.

Please enjoy today's episode with Eugene Danilkis.

Feb 28, 2017
Simon Cant and Danny Gilligan, founding partners of Reinventure, an Australia-based, fintech venture capital fund, join us today for a discussion on fintech investing. 
Simon and Danny are entrepreneurs, and they bring that experience and mindset to venture investing. 
We cover a number of interesting topics today, including how Reinventure thinks about fintech investing, how best to engage and support startups, where fintech is going in the next decade, the untapped opportunity in data and more.
If you like today's show, reach out. Tweet at us @rebankpodcast or at me, your host, @will_beeson. You can subscribe to Rebank on iTunes or your podcast platform of choice.
Thanks so much for joining us today. Please welcome Simon Cant and Danny Gilligan.
Feb 21, 2017
Nektarios Liolios is CEO & Co-founder of Startupbootcamp FinTech and Startupbootcamp InsurTech, the leading innovation programs in the financial and insurance industries.
The programs provide funding, mentorship and office space in the heart of London, Singapore & New York, along with access to a global network of investors and VCs, for up to 10 selected FinTech startups per class.
Nektarios has spent nearly 20 years in fintech, previously with Clearstream and SWIFT, where he ran the Innotribe Startup Challenge. 
Today's conversation with Nektarios was a fascinating discussion about a number of approaches to partnership between incumbents and startups. Regardless of the strategy used, there are a few key elements that enable successful collaboration.
If you enjoy today's show, please leave us a review on iTunes or your podcast platform of choice. 
As always, connect with us on TwitterFacebookLinkedIn or on our website at
Thanks so much for listening today. Please welcome, Nektarios Liolios.
Feb 14, 2017
Shazam founder Dhiraj Mukherjee joins the show today. Dhiraj is currently Head of Innovation at Virgin Money, a prominent UK bank and part of Richard Branson's Virgin Group.
After graduating from Dartmouth College and then Stanford GSB, Dhiraj co-founded Shazam, one of the best known apps of all time. Launched in 2002, the platform is alive and well today.
Dhiraj is a seasoned digital innovation and experience design professional, launching digital platforms around music, movies, advertising and social networking. He has advised on innovation for Reuters and other large corporates, and now carries the innovation flag at Virgin Money.
In addition to his work at Virgin Money, Dhiraj is an insightful thinker in his own right, and it's in that capacity that he's sitting down with us today.
If you enjoy today's show, please leave us a review on iTunes or your podcast platform of choice. Positive feedback is instrumental in helping others find the show.
As always, connect with us on TwitterFacebookLinkedIn or on our website at
If you'd like to join Rebank's insider community to receive exclusive content, event information, highlights and more, check out the sign-up page on our website.
Thanks so much for listening today. Please welcome, Dhiraj Mukherjee.
Feb 7, 2017
Sophie Guibaud is Head of European Expansion for Fidor Bank, one of Europe's original and best known digital-only banks.
Originally launched in Germany in 2009, Fidor expanded into the UK in 2015.
Prior to joining Fidor, Sophie led product strategy and commercialization at Bankable, a white-label banking platform provider. Before that, she was the Chief Marketing Officer at HelloFresh, a Rocket Internet-backed ready-to-cook meal delivery startup.
Sophie is regularly mentioned among top fintech influencers, appearing on the Innovate Finance Women in Fintech Powerlist, CityAM's Fintech Most Influential Powerlist and Women in Fintech Powerlist and many more. 
As always, connect with us on Twitter, Facebook, LinkedIn or on our website at
If you enjoy today's show, please subscribe on iTunes, Stitcher, Soundcloud, Overcast,, or wherever else great podcasts are distributed.
Final note: our very first exclusive Rebank update went out to our insider community this week. Sign up at
Thanks so much for listening today.
Jan 31, 2017
Dave Birch (@dgwbirch) is Director of Innovation at Consult Hyperion, a secure electronic transactions consultancy.
Dave is an internationally-recognized thought leader in digital identity and digital money. He has been named one of the global top 15 best sources of business information by Wired Magazine, one of the top ten most influential voices in banking by the Financial Brand, one of the top three most influential people in London’s FinTech community by City A.M, and more. Dave is perhaps Europe’s most influential commentator on emerging payments and adjacent subject areas, including digital identity, blockchain and privacy.
This episode is a timely follow-on to recent episodes with Pascal Bouvier (Ep 22) and Taqanu founder Balazs Nemethi (Ep 23), both of which raised the topic of digital identity.
When it comes to digital identity and the technologies required to support its implementation, few are as knowledgeable as Dave Birch.
As always, connect with us on Twitter, Facebook or LinkedIn. Tweet at us @rebankpodcast or @will_beeson.
If you like Rebank, please subscribe on iTunes or your podcast platform of choice and consider leaving us a review.
Please enjoy today's show with Dave Birch.
Jan 24, 2017
Syrian refugees are facing one of the most difficult challenges humans can experience.
Balazs Nemethi, founder of Taqanu, wants to support them in their plight.
Taqanu seeks to provide banking to anyone, regardless of background and available documents. One of their first target user groups is refugees displaced by unrest in Syria, but the potential for a solution like Taqanu extends across refugees, migrants, the financially excluded and beyond - to any user group seeking a digital solution to identity and financial services. Combining digital identity, blockchain and a geography agnostic mobile-only interface, Taqanu seeks to revolutionize financial access for the unbanked.
Based in Berlin and supported by some of the most recognizable global change organizations, Taqanu is innovating in an area that could create real improvement in millions of people's lives.
We recently incorporated a new discussion platform into our website at to support our community and an exclusive mailing list for insider access to our show.
Connect with us on Twitter, Facebook or LinkedIn, and tweet at us @rebankpodcast or at me, your host, @will_beeson.
Please enjoy today's show with Balazs Nemethi.
Jan 17, 2017
Pascal Bouvier (@pascalbouvier) is a full-time venture capital investor, fintech practitioner and prolific blogger.
Before becoming a full-time venture capitalist, Pascal founded and ran startups, worked for commercial and investment banks, and has been at one time or another a CFO, COO, CIO… the list goes on.
Pascal is currently Venture Partner with Santander InnoVentures. Prior to joining InnoVentures, he built the fintech venture arm of Route 66 Ventures into a top global fintech investor.
To anyone hoping to get into venture capital: check our Pascal’s bio for what high energy, proactivity and variety of experience looks like.
You can follow Pascal's thoughts on Twitter, LinkedIn and on his must-read fintech blog,
Jan 10, 2017

Financial inclusion is a global issue. In fact, it's probably more global than most of us think. Even in developed markets like the UK, US and Western Europe, there are huge numbers of unbanked people.

Pockit, a UK-based neobank, is addressing that problem in the UK. Launched in 2014 and currently serving 123,000 customers, Pockit is making a profound impact on the lives of a huge number of financially underserved individuals.

Virraj Jatania, Founder and CEO of Pockit, joins us in Episode 21 to talk through the problem they're solving and the strategies they're employing to do so.

We get into the economics of "neobanks," non-bank fintechs that leverage third-party authorizations to offer bank-like products.

Let us know what you think on Twitter @rebankpodcast or @will_beeson.

Connect with us via TwitterFacebookLinkedIn or to continue the conversation.

We hope you enjoy today's episode.

Jan 3, 2017
This is Part 2 of a two-part review of our first 18 episodes. Before you rip out your headphones in disgust, let me explain.
I'm not a fan of the classic "year in review", I mean, we were all there, right? If we were paying attention the first time around, why do we need to get sentimental? Similarly, previews of the year to come, while sometimes fun, are often pure speculation and rarely add value.
In this two-part episode, we've attempted to do something we'd been planning for a while: analysis and commentary around the most important ideas that have come from our world-class guests so far. The extended discussions in the full episodes provide necessary context and completeness around important concepts, but I find broadening the perspective from time to time in search of patterns to be extremely valuable.
In Part 1, we broke down our first nine episodes, which was not only insightful but cringe-worthy at times as we ironed out our style - and our recording techniques.
The holidays are a time for gratitude and appreciation, and we're hugely appreciative of the time and insight that our guests have provided and the tremendous love and support our audience has shown. We're proud of the progress we've made over the first 20 episodes, and we're excited for what we've got in store going forward.
Here's the link to the New York Times article referenced in the episode:
Connect with us via TwitterFacebookLinkedIn or to continue the conversation.
Dec 21, 2016

Episode 19 is a special one. We're celebrating the year-end with a long-overdue dive into some of the key concepts that have found their way across multiple episodes to date.

We've interviewed some of the most noteworthy founders, investors, thinkers and doers in fintech & banking innovation over the past few months. Their insight and analysis will see us well into 2017 and beyond, so we're hunkering down over the holiday break to dig into it in detail.

In Part 1 of our exploration, we break down our conversations with:

Jeff Tijssen (@jefftijssen)
Skylar Lyon (@skyyhigh)
Jason Bates (@jasonbates)
Chris Skinner (@chris_skinner)
Faisal Khan (@babushka99)
Alex Tapscott (@alextapscott)
Slava Solodkiy (@slavasolodkiy)
Michael O'Connor
Duena Blomstrom (@duenablomstrom)

We couldn't be more thankful for the wonderful guests we've had on the show so far.

Word of caution: We dug out some of our earliest episodes, so please bear with us on the audio quality. We were still learning!

Let us know what you think @rebankpodcast @will_beeson.

Dec 13, 2016
Andra Sonea is a banking systems specialist. Until recently Lead Solutions Architect within the Innovation & Digital Development Directorate at Lloyds Banking Group in London, Andra is currently pursuing a prestigious Anthemis Fellowship to build on her work in banking systems architecture.
Andra has been involved in fintech for many years and is a keen supporter of collaboration between financial services institutions and start-ups.
Prior to joining Lloyds in 2014, Andra worked for over fifteen years as an international technology consultant with IBM, SAP, EY and KPMG, gaining first-hand experience building and transforming IT architecture at some of the world’s largest banks. 
Today's episode was a fascinating dive into the challenges faced by incumbent banks struggling with legacy systems issues.
Andra is active on Twitter @andrasonea. Definitely check her out.
Dec 6, 2016
We've got a great episode today with Tom Blomfield (@t_blom), co-founder and CEO of Monzo (@monzo), a new, digital-only challenger bank in the UK.
Monzo is seeking to fundamentally change the way banking is done and challenge a lot of assumptions about the way people want to interact with their money.
Tom is a serial entrepreneur, he founded an e-commerce platform for students called while he was in college and later launched GoCardless, a B2B payments company that raised funding from the likes of Accel, Balderton and Passion Capital and went through Y Combinator in 2011.
In 2013, Tom and his GoCardless (@GoCardless) co-founders were named among the top 5 entrepreneurs by the European Commission. Tom got involved in the digital, challenger bank space in the UK relatively early, at the bank now known as Starling before moving on to found Monzo which plans to launch in early 2017.
Monzo has generated a phenomenal following and has a live beta with thousands of active users and an extremely long waiting list.
As a special treat for Rebank listeners and a profound thank you for your support through our first 17 episodes, Tom is offering up a Monzo card giving immediate access to the highly sought after beta for one lucky listener.
To participate, send an email with your name and the title of your favorite Rebank episode so far to We'll draw a winner at 5pm GMT on Friday, December 9th, so get your submissions in.
As always, connect with us on Twitter @rebankpodcast or with Will directly @will_beeson. 
If you like the show, subscribe on iTunes, SoundCloud, Stitcher or one of the numerous other platforms where we're distributed.
Thanks, and enjoy today's episode with Tom Blomfield.
Nov 29, 2016

Brett King (@brettking) is a bestselling author and was voted Innovator of the Year for 2012 by American Banker. Since 2010 Brett has released 5 Global Bestselling books, including Bank 2.0, Branch Today – Gone Tomorrow, Bank 3.0, Breaking Banks and his latest Augmented. His books have topped bestseller charts for banking in 18 countries and have been translated into 9 languages.

A global thought leader in financial services and customer experience, Brett publishes regularly in his role as industry advisor on Huffington Post, Internet Evolution, and Finextra. He has recently been featured on Fox News, Bloomberg TV, BBC, CNBC, The Wall Street Journal, The Financial Times, and The Economist.
As if that weren't enough, Brett is the founder and CEO of Moven (@getMoven), one of the first mobile-only banking apps, which was described by Wired, Forbes and the New York Times as a "bank of the future.”
Nov 22, 2016

David Robson leads IBM's Watson business in the European financial services sector.

Perhaps the world's most recognizable AI system (after HAL 9000), IBM's Watson is live across multiple industries and is using artificial intelligence to solve hard, real world problems.

For the uninitiated: Watson is a cognitive computer that can read, understand, reason and engage with humans in support of a broad range of knowledge workers including medicine, banking and insurance.

David has been working with Watson for two years, advising banks and insurance companies on how to deploy cognitive technology within their operations.

For more on Watson, follow them on Twitter @ibmwatson or visit


Nov 15, 2016
Brian Roemmele is the consummate Renaissance man. He is a scientist, researcher, analyst, connector, thinker and doer. More than anything, I've found Brian to be an observer of the world, asking questions and following his seemingly infinite curiosity to the root of an astounding variety of issues.
Over the long, winding arc of his career, Brian has built and run payments and tech businesses, worked in media, including the promotion of top musicians, and explored a variety of other subjects along the way.
Brian actively shares his findings and observations across fora like Medium, Quora, Twitter and his own podcast, Around the Coin. Brian is one of the most prolific producers of top quality analytical content I've ever encountered. I would highly encourage everyone to follow Brian and actively consume the information he puts out.
Nov 8, 2016

Devie Mohan is a prominent fintech writer, speaker and commentator. Devie is the co-founder and CEO of Burnmark, a fintech research company established in partnership with Berlin-based FinLeap. She is also a market strategist and UK coordinator with FinLeap.

Throughout the course of her career, Devie has helped numerous banks, startups, innovation groups and investors understand the trends in fintech, helping them set their corporate, marketing and investment strategies. She is an adamant proponent of a fintech ecosystem in which banks and startups collaborate to drive innovation.

Devie is featured on several fintech influencer lists, including the CityAM FinTech Powerlist and the SWIFT-Innotribe Power Women in FinTech list, to name just two.

Nov 1, 2016

Oaknorth is a startup bank in the UK.

Joel Perlman, Oaknorth's co-founder, is a UK-based serial entrepreneur.

After starting his career at McKinsey, Joel eventually left to co-found Copal Partners, a financial research outsourcing company with his business partner, Rishi Khosla. Over a period of 12 years, they grew the business to almost 3,000 people before selling it to Moody's in 2014.

Subsequently, Joel and Rishi founded OakNorth, a new UK bank focused on lending to entrepreneurs and mid-sized growth companies. From an outsider's perspective, OakNorth seems to approach banking in a pragmatic, entrepreneurial way, seeking cost effective, non-traditional ways to deliver value for customers and outcompete incumbent banks.

Formally launched in 2015, OakNorth is to date the only completely new UK bank to break even, doing so in an amazing 11 months.

Oct 25, 2016
Chris Gledhill is the #1 fintech influencer globally and regularly speaks and writes about fintech, banking and the future of financial services.
Chris was lead mobile architect and led the disruptive innovation labs at Lloyds Banking Group before founding Secco (@seccoaura), a next generation "bank." 
Chris has expertise spanning a wide range of disruptive technologies including Blockchain, AI, APIs, Big Data, Deep Learning, Virtual Reality, Crypto Currencies, Biometrics, Mobile & Wearables.
Chris is a regular blogger and his twitter feed (@cgledhill) has become a ‘must follow’ for anyone in the industry looking to keep up to date with the latest fintech developments around the world.
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