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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: Category: Business
Apr 30, 2020

Today, we’re joined by Lex Sokolin to discuss recent developments in digital money, including stablecoins, CBDCs and a new Facebook Libra proposal.

A digital world needs digital money, and a few influential players are actively working to build it. China’s BSN initiative and Facebook’s Libra embody the East’s public sector led approach to building and owning the internet of value, and the West’s private sector led (and public sector challenged) attempt at cheaper commerce on the web. While the nature of the approaches may be different, the data and privacy considerations are eerily similar.

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, Lex Sokolin.

Apr 28, 2020

Today, we’re joined by Brett King, founder and Executive Chairman of Moven, one of the original digital banks, and Lex Sokolin, Global Head of Fintech at ConsenSys.

Lex and I discussed Moven’s recent announcement to shutter its B2C business on episode 170 of Rebank, and we're happy to have the opportunity to connect with Brett directly to discuss the decision in more detail.

Of particular interest in this conversation are Brett's learnings from ten years of running Moven about B2C vs B2B as a digital banking strategy, the missing pieces in the current US and European challenger banking business model and where the space will go from here.

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, Brett King and Lex Sokolin.

Apr 22, 2020

Today, Rebank co-host Aman Ghei of Finch Capital is joined by Silvi Wompa.

Silvi is the head of portfolio underwriting at Swiss Re, one of the largest reinsurers in the world with over $30B in revenue.

Over the past 18 years, Silvi has built an international executive career in insurance across Life & Pensions, Property & Casualty, Broking and the Lloyd’s Market at companies like Hiscox, Old Mutual and Willis Towers Watson. She also co-founded Ch.AI in 2018, an insurtech start-up based in London focused on mitigating price risk in raw materials.

In this conversation, Aman and Silvi discuss the insurtech landscape, why disruption in insurance has not kept up pace with other areas of fintech, why enablement may trump disruption in insurtech, and what incumbent insurance companies are doing to stay relevant.

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, Aman Ghei and Silvi Wompa.

Apr 17, 2020

Today, we’re joined by Lex Sokolin to discuss the ways in which COVID-19 is influencing consumer and business behavior and what changes are likely to be permanent.

Digital is booming in areas where it hasn’t before, both on the consumer and business sides. This genie will not be put back in the bottle. We are in the midst of a quantum leap forward in digital adoption.

Fintechs that have long struggled for regulatory acceptance are punching through with solutions for SBA loan and stimulus check disbursement. This pivot toward a more mainstream role doesn’t feel like a change that can be reversed.

Apple and Google are building tools to enable us to give up even more privacy in the name of public health. Times of crisis reorder moral priorities.

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, Lex Sokolin.

Apr 9, 2020

In this special episode, we’re joined by Lex Sokolin for analysis of a few important recent fintech developments.

Lex is the author of the Future of Finance newsletter, the CMO & Global Fintech Co-Head at ConsenSys and a genuinely next-level thinker.

In this conversation, Lex and I examine the recent SoFi acquisition of Galileo, Moven’s decision to close its B2C digital bank and what if any impact rapid fintech product developments in response to COVID-19 will have on the future of financial innovation.

For all of our past episodes, and to sign up to our newletter, please visit www.bankingthefuture.com. Thank you very much for joining us today.

Please welcome, Lex Sokolin.

Apr 9, 2020

Today we’re joined by Abhishek Gupta, Head of BBVA Open Platform, BBVA’s banking-as-a-service offering.

As most people listening this podcast know, BBVA is a leader in financial innovation among incumbent banks, having taken a very proactive approach to the role of technology in banking.

The Open Platform is the productized, public facing version of BBVA’s core banking infrastructure, offering bank accounts, cards, payments and KYC via API to fintechs and brands.

In this conversation, Abhishek and I discuss the emerging banking-as-a-service industry, the most compelling fintech and brand use cases of bank APIs and BBVA’s broader approach to financial innovation.

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

Thank you very much for joining us today. Please welcome, Abhishek Gupta.

Mar 28, 2020

The fintech industry has rapidly matured in recent years. Once a collection of aspirational early stage founders catering to tech early adopters, fintech companies are increasingly offering highly respected, professional grade solutions to mainstream consumers and businesses.

Challenger banks, online lenders, payments companies and API connectivity layers once competed for fringe customers in a handful of urban centers.

Now, they’re pursuing global rollouts, pushing $10 billion valuations and piquing the interest of incumbent acquirers from FIS to Fiserv to Visa.

How far will private funding take fintech? Will a wave of IPOs follow? Will M&A entice leading startups before their valuations make takeovers uneconomical? What will happen when local fintech successes clash at the global level?

This special episode was recorded live at a Rebank event in London hosted by Shearman & Sterling, a global law firm with a specialist fintech practice. Visit fintech.shearman.com to find out more.

In this conversation, we're joined by Noel Monro, Director at Rothschild & Co, an investment bank, Tim Levene, CEO of Augmentum Fintech, a venture capital firm, Ian Sutherland, CFO of Tide, a business banking service and Pawel Szaja, Capital Markets Partner at Shearman & Sterling.

For all of our past episodes and to sign up to our newsletter, please visit bankingthefuture.com. Thank you very much for joining us today.

Please welcome, Noel Monro, Tim Levene, Ian Sutherland and Pawel Szaja.

Mar 23, 2020

Today, we’re thrilled to be joined by Adrian Nazari, founder and CEO of Credit Sesame.

Credit Sesame is a free credit score monitoring and management service.

Credit Sesame has 16 million registered users and has raised $120 million since its inception nearly ten years ago.

In this conversation, Adrian and I discuss the company’s new banking offering and how it fits into the core business. We also discuss the competitive landscape in retail digital banking in the US and how Credit Sesame intends to differentiate.

We also discuss the extremely pressing subject of supporting Americans living paycheck-to-paycheck is the midst of a global pandemic and recessionary fallout. Credit Sesame and other mass market fintechs have a tremendous opportunity to contribute in this time of social and personal distress.

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

Thank you very much for joining us today. Please welcome, Adrian Nazari.

Mar 18, 2020

Today, we’re thrilled to be joined by Hussein Kanji, a London-based venture capitalist.

Hussein co-runs Hoxton Ventures, a firm he started in 2013.

Hussein has invested in and/or served on the boards of some amazing companies, including Deliveroo, Babylon Health, DarkTrace, Behavox and many more.

Prior to starting Hoxton, Hussein worked on product at Microsoft and then at Accel, one of the world’s premier venture firms.

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

Thank you very much for joining us today. Please welcome, Hussein Kanji.

Mar 11, 2020

Today, Rebank co-host Aman Ghei of Finch Capital connects with Steve Toland, founder and CEO of TransFICC, an e-trading technology company providing solutions for fixed income and derivative markets.

Steve has over 25 years experience working in the global capital markets. He was previously the Head of LMAX Interbank, led global sales for MarketFactory, and held the positions of Head of FX Sales for EMEA and America at ICAP and Head of Sales for Americas at Thomson Reuters.

Aman and Steve start by discussing why there has not been much innovation in capital markets infrastructure compared to traditional retail brokerage and how trading desks at various product groups like fixed income are waking up to the new wave of API driven technology to provide the best speed of execution in highly regulated markets.

It's interesting to think about how trading desks at big banks and asset managers will need to adapt to an increasingly competitive and technology driven marketplace.

Thank you very much for joining us today, please welcome Steve Toland.

Mar 3, 2020

Victor Trokoudes is the founder and CEO of Plum, a personal financial assistant that sits atop your existing bank accounts and automates financial success.

Plum is a leader in the personal finance management, or PFM, space, and Victor has interesting views on what the future of the segment will look like.

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

Thank you very much for joining us today. Please welcome, Victor Trokoudes.

Feb 21, 2020

Magnus Larsson is the Founder and CEO of Majority, a digital bank for migrants in the US.

As anyone who listens to this podcast knows, digital banks are making headlines all over the world.

Some people are beginning to see the market as saturated, with seemingly dozens of offerings vying for consumer spending power. Early results suggest digital challengers are struggling to convert customers at scale or to bank them profitably.

We’re extremely early in the redesign of the stagnant, centuries old retail banking industry, and we’ve yet to see much business model innovation.

Majority is an early example of what I expect to be a wave of banking offerings rethinking the role banks play in people’s lives and the relevant combinations of services to deliver value around money and the experiences it enables.

Magnus is a serial entrepreneur with decades of experience in telecom. Prior to launching Majority, he was the CEO of Rebtel, a digital telecommunications company serving migrants in Europe.

Magnus brings deep insight into the challenges faced by migrants, including but extending well beyond access to financial services.

Majority’s launch proposition includes free banking, international calling and remittances all for a low monthly subscription.

Banks have been subsidizing checking accounts with lending and fee-generating products for decades. Majority is doing the same with intrinsically linked ancillary services that reinforce community around its offering.

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

Thank you very much for joining us today. Please welcome, Magnus Larsson.

Feb 7, 2020

Today, Rebank co-host Aman Ghei of Finch Capital connects with Wayne Marc Godfrey, founder and CEO of Purely Capital, an entertainment finance platform.

Wayne is a prolific film producer and financier, having raised over $300 million and produced over 125 films with over $1 billion in production spend. He recently closed a $150 million facility for Purely Capital from a leading institutional lender.

Media and entertainment is one of the biggest industries in the world, grossing over $700 billion annually. Underpinning all those receipts is a web of financing and distribution deals with networks and streaming operators.

Aman and Wayne discuss the media financing value chain and why now is the right time to build a finance technology business in this space. They also explore how traditional funders are reacting to changes in production and consumption habits, and more.

This is a fascinating conversation about how financial services are interpreted and reinterpreted in other industries, and how rapid technological change in other sectors, in this case media, is impacting innovation in financial services.

In addition to the audio version of this podcast, today's conversation is also available on video on our YouTube channel, thanks to LaunchPod studios. Link in description.

Thank you very much for joining us today. Please welcome Wayne Marc Godfrey.

Jan 29, 2020

Platform banking’s role in the growth of fintech can hardly be understated, with companies including Monzo, N26, Revolut, Chime, Acorns, Betterment, MoneyLion and many, many more starting or expanding on top of regulated third-party banking partners.

Similarly, the promise of embedded finance, where non-bank brands and consumer experiences deliver banking and other financial services directly to customers is predicated on the availability of platform infrastructure.

Platform banking offerings are clearly fit for purpose, right? Far from it.

In today’s conversation, Aman and I are joined by David Jarvis, founder of Griffin, a seed-stage platform bank in London, to discuss the current state of platform banking, the shortcomings of existing offerings and the role of the next generation of platform banks in delivering the future of finance.

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, David Jarvis.

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.

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