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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
May 7, 2019

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.

Apr 29, 2019

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.

Apr 23, 2019

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.

Apr 16, 2019

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.

Apr 11, 2019

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

Apr 2, 2019

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.

Mar 27, 2019

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.

Mar 19, 2019

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.

Mar 12, 2019

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.

Mar 5, 2019

SME banking is a particular interest of mine, as long-time listeners know.

We've covered it from a number of angles on Rebank, including challenger banking with OakNorth, digital lending with iwoca and Spotcap, payments with GoCardless and support services with Xero, to name a few.

If one area of fintech has been getting increasing interest lately, it's SME banking, and it's about time.

Last week, Pool A of the RBS Capability & Innovation Fund was allocated, with massive cash grants going to winners Metro Bank, Starling and ClearBank to enhance existing business current account offerings. The cash injections are sure to shake up competition in the space.

Today, we're joined by Richard Davies to talk through recent developments and the broader trajectory of the space. Richard runs business banking and sits on the Executive Committee at TSB, the UK's 7th largest bank.

If you enjoy today's episode, please take 30 seconds to leave us a review on iTunes.

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

Feb 27, 2019

Rishi Khosla is co-founder and CEO of OakNorth, one of the world's best funded and fastest growing fintechs.

We've had OakNorth on the podcast a few times before. In the past, I've generally referred to OakNorth as a challenger bank, which they were, but the company has developed beyond that description.

From its savings & lending origins, OakNorth has evolved into a world-class technology platform with a banking license, recently backed by investors, including SoftBank, to the tune of $440m, the largest ever fintech investment in Europe.

Prior to starting OakNorth, Rishi and his business partner Joel Perlman founded and sold Copal Amba, an outsourced financial research company acquired by Moodys.

It's energizing talking to great entrepreneurs like Rishi. I thoroughly enjoyed this conversation, and I hope you do too.

Thank you very much for joining us today. Please welcome, Rishi Khosla.

Feb 19, 2019
Adam Dodds is the Founder & CEO of Freetrade, a free stock trading app and part of the trend toward intuitive, low cost retail investment solutions. 
 
This is an interesting discussion around providing value to customers, and what that means, especially in complex industries like investments.
 
This episode feels less like a stand alone conversation and more like another instalment in an ongoing exploration of how technology can be used to optimize retail investor behavior, decision making and ultimately long term outcomes.
 
Please share your thoughts on the subject with us on Twitter @rebankpodcast. If you have ideas for who else we should be engaging with to investigate this theme, please let us know.
 
Thank you very much for joining us today. Please welcome, Adam Dodds. 
Feb 12, 2019
Nicolas Colin is co-founder of The Family, a European tech incubator with a different approach than most.
 
Their mission is the educate, support and connect entrepreneurs in ways that build great global companies.
 
The Family describes itself a platform that unites entrepreneurs across Europe in Paris, London and Berlin, with a mission to build a startup continent that is diverse, dynamic and open. Their goals is doable, but not easy, which makes them similar to the early stage companies they work with. Europe has traditionally been and remains less conducive to successful tech startups than other parts of the world, be it due to political priorities, tax systems, employment laws, capital availability or a number of other factors.
 
Nicolas is a thinker, advocate and reformer. He is one of the most thoughtful and prolific writers I've interacted with, publishing a weekly newsletter and regular articles in the mainstream press, Forbes and on Medium. He's also the author of Hedge: A Greater Safety Net for the Entrepreneurial Age, a book on the inadequacy of traditional social safely nets for the modern age and ideas for how to reengineer them.
 
If you're listening to this right now, I'm curious to get your thoughts on the points Nicolas and I make. Let us know on Twitter @rebankpodcast.
 

If you enjoy today's episode, please take 30 seconds to leave us a review on iTunes.

Thank you very much for joining us today. Please welcome, Nicolas Colin.

Feb 5, 2019

Anytime I find myself thinking how much progress has been made in digital banking over the past 6 or so years, I stop to consider how much further we'll go from here. It feels like so much has happened since the paradigm shift brought about by the iPhone and the global banking crisis of 2008.

No one knows that better than Anthony Thomson.

Anthony is by any measure one of the most prolific banking innovators of the past decade. Anthony is the Co-Founder and former Chairman of Metro Bank and Founder and former Chairman of Atom Bank. As if that weren't enough, he's now the Co-Founder and Chairman of 86 400, a new digital bank in Australia.

Over the course of his career, Anthony has raised close to a $1 billion (and counting) in investment and helped shape the current global banking landscape.

What are the most important problems banking and fintech can solve? Are we thinking enough about the deepest customer needs or just iterating within existing financial services verticals?

Let us know what you think on Twitter @rebankpodcast.

If you enjoy today's episode, please take 30 seconds to leave us a review on iTunes.

Thank you very much for joining us today. Please welcome, Anthony Thomson.

Jan 29, 2019

We've seen a slow evolution in fintech from the early days - transitioning from disruptors and disintermediators to partners and platforms. Where do we go from here?

Tim Levene is the Founder and CEO of Augmentum, a fintech venture capital firm.

Prior to starting Augmentum, Tim worked for Bain, started London restaurant chain Crussh and founded Flutter.com, which merged with Betfair in 2001, at the beginning of the latter's rise to prominence.

Augmentum has invested in companies including ZopaSeedrsInteractive InvestorTideDueDil and more.

What's in store for fintech in 2019? Let us know on Twitter @rebankpodcast.

If you like today's episode, please take a second to rate us on iTunes.

Thank you very much for joining us today. Please welcome, Tim Levene.

Jan 22, 2019

The US could be one of the most lucrative markets for digital banks, but few new entrants have launched there. Why? How ripe is the opportunity, really?

MonzoN26 and Revolut have all stated intentions to launch in the US, though none have yet navigated the regulatory requirements.

Colin Walsh is the CEO and co-founder of Varo Money, which is on track to become the first mobile-centric national bank in U.S. history.

Prior to founding Varo, Colin spent 25 years in consumer banking at American Express, Lloyds Banking Group and Wells Fargo.

How successful will digital banking startups be in US? Let us know on Twitter @rebankpodcast.

If you like today's episode, please take 30 seconds to rate us on iTunes and share it with a friend.

Thank you very much for joining us today. Please welcome, Colin Walsh.

Jan 15, 2019
Historically characterized by high fees and questionable objectivity, retail investments are going through a transformation as the likes of Robinhood, Betterment, Scalable Capital and others bring compelling digital offerings to market.
 
Richard Theo is the co-founder and CEO of Wealthify, one of the UK's leading roboadvisors. 
 
With a background in technology and computer science, Richard started Wealthify in 2014 to take advantage of the then relatively nascent digital investments market. In 2017, Aviva acquired a majority stake in Wealthify to offer its services to their existing customer base.
 
It feels like we've only just started down the path of retail investments transformation. In my personal view, we've made great progress, but we're still miles away from truly revolutionary offerings in the space. Just like in digital banking, there are a handful of players vying for primacy, and it's interesting to watch it unfold.
 
Have a view on this subject? Let us know on Twitter @rebankpodcast, on LinkedIn or on our website www.bankingthefuture.com.
 
Thank you very much for joining us today. Please welcome, Richard Theo.
Jan 8, 2019

Should people outside fintech care about fintech? Today, we're joined by Brad Goodall, serial entrepreneur and founder of Banked, to discuss.

Open Banking is hands down one of the most relevant themes in 2018, with legislation taking effect in Europe and the UK and being replicated and expanded in countries like Australia.

But so far, we've seen anything but tangible impacts from Open Banking, including products, services and new customer experiences.

Why?

To start with, banks dragged their feet in terms of implementation, and startups have been unable to deliver cross-platform experiences they imagined.

We've also taken a narrow view of what Open Banking means and how it will be leveraged.

This is where Brad comes in. Brad brings a richer perspective to Open Banking and sees it as an opportunity for much of banking to shift away from traditional financial services providers and over to consumer brands more relevant to customers.

In this conversation, Brad helps us think about how much fintech actually matters to people outside fintech - and whether the industry is getting excited about the right things.

Do you have a view? Join the conversation onTwitter, LinkedIn or on our website at bankingthefuture.com.

If you like today's episode, please take 30 seconds to rate us on iTunes and share us with a friend.

Thank you very much for joining us today. Please welcome, Brad Goodall.

Dec 18, 2018

Should we look to governments, philanthropists or entrepreneurs to solve our problems?

We're joined by Sean Park, Founder of Anthemis, a fintech-focused venture capital firm, to discuss.

There's a strong school of thought in the West that the private sector and market dynamics are sufficient to optimize economic, political and social outcomes. Is that true?

Thinkers like economist Carlota Perez believe that government plays an important role in directing private sector activity to enable true innovation.

The Chinese government is actively prioritizing AI research in an effort to become the world leader in the next wave of technological progress.

A growing group of voices in the West is reminding us of the role the US government played in the development of the Internet and calling for renewed public sector involvement in business.

Sean was an early investor in Climate Corporation, Markit, Betfair and Zoopla and is widely recognized as a leading independent thinker on the future of financial services

Do you have an opinion on this subject? Contribute to the conversation on TwitterLinkedIn or on our website at bankingthefuture.com.

If you like today's episode, please take 30 seconds to rate us on iTunes and share us with a friend.

Thank you very much for joining us today. Please welcome, Sean Park.

Dec 5, 2018
Leslie Campisi is the Chief Marketing Officer of Anthemis, one of the leading fintech venture capital firms.
 
In today's conversation, we debate the role of humans in finance. 
 
It's a multi-faceted question with implications for the industry and its employees, the startup and investor ecosystem, financial services customers and adjacent industries.

Leslie brings an interesting perspective to this discussion. In addition to her role as CMO, she also leads Hacking Finance, a creative commons run by Anthemis, initially as an annual event and now including a website and magazine aimed at attracting new views to finance to drive positive change.
 
This is a fascinating question, and one we don't manage to fully answer. What's your view? Contribute to the conversation on TwitterLinkedIn or on our website at 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, Leslie Campisi.
Dec 4, 2018
Welcome to the fourth instalment of our Founder Sessions series. We're joined by David Velez, the Founder and CEO of Nubank, the leading financial technology company in Latin America.
 
Nubank has 5 million credit card customers, 2.5 million bank account customers and has raised $420 million from investors including Sequoia, Tencent, Tiger Global, QED, Founders Fund and more.
Before founding Nubank in 2013, David was a Partner at Sequoia in charge of the firm’s Latin American investments. Before Sequoia, David worked in investment banking and growth equity at Goldman, Morgan Stanley and General Atlantic. 
 
As always, connect with us onTwitter, Facebook, LinkedIn or on our website at 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, David Velez.
Nov 28, 2018

Welcome to the third instalment of our Founder Sessions series.

Tom Blomfield is the Founder & CEO of Monzo, one of the UK's leading digital banks. 

For Tom's full backstory, check out Rebank Episode 17, when we first connected with him. For an update on Monzo, including recently hitting the million customer milestone, check out Episode 108.

Special thanks to everyone who responded to our request and rated and reviewed Rebank on iTunes. We've seen a marked boost to listenership already.

Thank you very much for joining us today. Please enjoy today's episode with Tom Blomfield.

Nov 20, 2018
David Vélez is the Founder and CEO of Nubank, the leading financial technology company in Latin America.
 
Nubank has 5 million credit card customers, 2.5 million bank account customers and has raised $420 million from investors including Sequoia, Tencent, Tiger Global, QED, Founders Fund and more. Nubank was recently named the 3rd most innovative company in Latin America by Fast Company.
 
Before founding Nubank in 2013, David was a Partner at Sequoia in charge of the firm’s Latin American investments. Before Sequoia, David worked in investment banking and growth equity at Goldman Sachs, Morgan Stanley and General Atlantic. 
 
As always, connect with us on TwitterFacebookLinkedIn or on our website at 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, David Vélez.
Nov 13, 2018
Today, we're joined by Cristina Alba Ochoa and Valentina Kristensen, respectively CFO and Head of Communications of OakNorth, one of the UK's leading challenger banks.
 
We update on OakNorth's recent milestones, including some big fundraises at massive valuations, and discuss the current state of play in SME banking in the UK.
 
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, Cristina Alba Ochoa and Valentina Kristensen.
Nov 7, 2018
Today's subject is decision making. Why is it so hard for people to make good decisions around savings, investments and money in general?
 
We're joined by behavioral scientist Greg Davies, Head of Behavioral Finance at Oxford Risk, and Ella Rabener, co-founder and Chief Marketing Officer of Scalable Capital, to discuss.
 
Tweet at us @rebankpodcast or connect on Facebook or LinkedIn to join the conversation.
 
Thank you very much for joining us today. Please welcome, Greg Davies and Ella Rabener.
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