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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Matt Harris is a partner at Bain Capital Ventures focused on fintech and financial services.

Matt is a fintech legend in New York. Everyone I talked to about this conversation knew Matt and sang his praises effusively. 

Matt has been an early stage investor since 1997, which is basically forever in fintech years. His portfolio includes Acorns, IEX, Roofstock, SigFig and many more. 

Matt has highly developed views about the future of payments, lending, banking and investing, which we work through in our discussion.

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, Matt Harris.

Samvit Ramadurgam is the Co-Founder & President and Kelly Rodriques is the CEO of Forge, a secondary market for private shares.

Forge provides access to shares of virtually all of the top 50 privately held tech startups, including Slack and many more, and offered trading in the likes of Spotify, Dropbox, Snap and DocuSign before they IPOed. According to Crunchbase, Forge has raised $88.5m from investors including Peter Thiel, Tim Draper, FT Partners and others.

Unlike earlier players in the space, Forge has focused on building out a robust technology platform, including institutional grade clearing and custody infrastructure to support global counterparties.

Forge’s proposition is particularly relevant as companies stay private for longer. More investor value is captured pre-IPO, so access to private shares is important. Additionally, because IPOs happen later, early employees are often unable to access liquidity for years, making it difficult to buy homes or diversify risk.

We dig into all of these issues with Samvit and Kelly.

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, Samvit Ramadurgam and Kelly Rodriques.

Dee Choubey is the Founder and CEO of MoneyLion, a digital bank combining a comprehensive financial offering with AI-driven personalized guidance.

With four million users and counting, MoneyLion aspires to build a private bank for the middle class, initially by providing financial access, education and advice to Americans underserved by the financial system.

I find MoneyLion’s vision highly compelling. As we’ve said before on the podcast, it feels like many B2C fintechs are converging to the same place. MoneyLion, on the other hand, has sought to be there from day one.

Dee and I connected at MoneyLion’s beautiful downtown San Francisco office, which meant sirens, honking horns and general urban background noise. We hope you’ll bear with us, as the conversation itself was excellent.

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, Dee Choubey.

Ryan King is the Co-Founder and CTO of Chime, one of the leading digital banks in the US. Chime offers free banking to over three million customers, helping them save hundreds a year on banking and gain control of their financial lives.

This episode was recorded at LendIt in San Francisco. A huge thanks to Peter Renton and his team for inviting us to participate.

As listeners know, digital banking is a space we follow closely. The US is a fascinating market to watch, given the importance of spending, borrowing and investing, prevailing incumbent pricing structures, digital penetration and customer expectations. And with the number of well-funded fintechs converging on comprehensive digital financial offerings, including Robinhood, Acorns, Betterment, MoneyLion, Chime, Varo and others, not to mention European digital banks like Monzo, N26 and Revolut, the space will get competitive fast.

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 King.

Erin Collard is Co-Founder of Blend, a digital mortgage origination platform. Blend sits atop incumbent systems and digitizes the mortgage process, massively reducing costs for lenders and expediting origination.

Blend’s software is compelling. So compelling, in fact, that 25% of the market now uses Blend’s technology to originate $1 billion of US mortgages every day.

Blend has raised $160 million from leading investors including Greylock and Founders Fund.

Erin has a fascinating background, which he runs through to kick us off.

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, Erin Collard.

Michael Sidgmore is a Partner at Broadhaven, a market leading fintech investment bank and venture firm, with clients including ICE and the CBOE and investments including MoneyLion and ScaleFactor.

Prior to joining Broadhaven, Michael built the sales team at iCapital, now a multi-billion dollar platform giving investors access to leading alternative investment funds at low minimums.

Michael is close to the ground when it comes to US fintech, with an interest in Latin American as well.

In this conversation, Michael shares his views on SMB plays, opportunities in Latin America, platform trends, solutions for the gig economy and more.

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

Catherine Wines is the Co-Founder of WorldRemit, one of the world's foremost digital remittance providers. </p>

Founded in 2010, WorldRemit has raised over $220 millionfrom Accel, LeapFrog and TCV. The platform lets users send money to friends and family in 150 countries, giving people in developing countries access to the financial system at a fraction of the cost of traditional remittance providers. In doing so, WorldRemit empowers local communities, especially women, as Catherine explains.

WorldRemit is creating huge value and solving massive problems. It's great to speak with founders as mission-driven as Catherine.

Thank you very much for joining us today. Please welcome, Catherine Wines.

Vinoth Jayakumar runs fintech investments for Draper Esprit, a premier venture capital firm and backers of the likes of Revolut and TransferWise. 

Today we grapple with the backend infrastructure of banking, updating on a subject we’ve covered in the past with 10x, ThoughtMachine, Mambu and others. These and other players have continued to build, recently signing big name clients that expect the future of core infrastructure to be provided by fintechs. 

This is a complex subject, and we didn’t cover everything. We’d love to get your thoughts on the subject on Twitter @RebankPodcast. 

If you enjoy today’s episode, please take 30 seconds to leave us a review on Apple Podcasts. 

Today, we have a very special episode for you. Last week in London, we put on a live event, supported by leading reputation management consultancy Lansons, whose clients include Lloyds, Allianz, Atom Bank, BlackRock, Fidelity, Hargreaves Lansdown, JP Morgan, Invesco, Societe Generale, Vanguard, AXA and many, many more.

The topic of discussion was Crypto 2.0, Is Crypto Finally Getting Real?

Considered fringe for most of the past few years, crypto and associated technologies potentially represent a meaningful force in mainstream financial services as they mature.

Joining us to explore the near future in crypto and the implications for banking, finance and society as a whole are Lex Sokolin, Luis Carranzaand Alexi Esmail-Yakas. Each introduces himself at the opening of the discussion, so I won't duplicate it here.

If you enjoy today's episode and are interested in future live events in London, the US and around the world, please subscribe to our newsletter at bankingthefuture.com.

Thank you very much for joining us today, and a huge thanks to Lansons for hosting this event.

Ricky Knox is the Founder and CEO of Tandem, a UK digital bank.

It's a fascinating time in digital banking, as tech-forward banks in the UK, US, Europe and elsewhere race for product and geographic coverage and players like Apple and Goldman Sachs, who recently announced a credit card partnership, encroach on retail banks' turf.

I thoroughly enjoyed this conversation. As you’d expect, Ricky brings a lot of insight to this topic.

If you enjoy today’s episode, please take 30 seconds to leave a review on Apple Podcasts.

Thank you very much for joining us today. Please welcome, Ricky Knox.

Francesco Simoneschi is the Co-Founder and CEO of TrueLayer, an Open Banking API platform.

Since Open Banking went live early last year, progress has been slow, and reviews have been mixed. At the same time, companies like Plaid and Quovo in the US and Tink and Bud in Europe have raised eight- and nine-figure rounds to scale platforms to support the innovations Open Banking promises.

TrueLayer is squarely in the mix of leading Open Banking API platforms, quickly rolling out functionality and seeking full coverage of Europe by the end of the year.

If you enjoy today's episode, please leave us a review on iTunes.

Thank you very much for joining us today. Please welcome, Francesco Simoneschi.

Lex Sokolin started a roboadvisor way back in 2009, which was eventually sold to AdvisorEngine. As a result of that experience, and the strategy and advisory work he's done since, Lex has unique insight into the evolution of the digital investments space, one of the fastest moving areas of fintech today.

If you enjoy today's episode, please leave us a review on iTunes.</p>

Thank you very much for joining us today. Please welcome, Lex Sokolin.