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During the morning commute, while jogging or on a long road trip, listen to the financial industry leaders of the day on the bobsguide Fintalk podcast.
The Fintalk podcast covers everything fintech and bankingtech related, from asset management and risk to data infrastructure, core banking and payments.
The Fintalk podcast will also sort the wheat from the chaff to discuss exactly how the emerging technologies – cryptocurrencies, blockchain and AI – will affect the financial services.
Be sure to subscribe to our Soundcloud channel to receive the latest podcasts straight to your phone.
PPro Podcast: are American merchants leaving cash on the table?
In the inaugural episode of the PPRO Podcast, Niall Conn sits down with Steve Villegas, Vice President of Partner Management Atlanta, to discuss the American e-commerce market and cross-border growth with an eye towards APMs.
Anders La Cour, CEO of Banking Circle on the emerging financial utility model
In this fintalk, bobsguide speaks to Anders La Cour, CEO of Saxo Payments Banking Circle.
La Cour and Banking Circle are pioneers in adopting the financial utility model in order to drive down costs and increase efficiency for market participants.
Here, La Cour offers his opinion on how banks can reduce cost on cross-border payments as well as quite how far this emerging model can go.
How Nationwide is using fintech to tackle the millennial housing crisis
Property and banking are intimately entwined, yet it is remarkable how little impact fintech has had on the property market – until now.
With home ownership in England now at its lowest in 30 years and the average age of a first-time buyer now 32, it is no surprise that millennials have been dubbed ‘generation rent’; one third of current 25-34 year olds will never own their own home.
If the financial industry has been slow to innovate, property has been even slower. It is ripe for innovation, with an entire generation willing to give new tech a go.
In this podcast, Huntington goes into detail about the fund’s first partnership, Nationwide’s broader innovation strategy and just what the scope is for innovating the property financing system.
Interview with CEO of Wealthify
Wealthify, the investment app backed by Aviva, recently partnered with Starling bank to offer investment services (in the form of ISAs) to Starling account holders.
The Cardiff-based company has been making something of a stir with its low fee investment opportunities and 'withdraw at any time' features that are massively appealing to a wealthy and tech savvy millennial market.
On one of his frequent sorties along the M4 to London, Theo met up with bobsguide to chat everything from the eventual winners and losers of the challenger landscape to how the company is looking to offer a pension service in the near future.
The future of e-wallets, US vs EU paytech and how to regulate crypto
During our time at Money20/20, bobsguide and PaymentEye caught up with Transact Payments (TPL) and GATE about their new partnership, the future of e-wallets, the interplay between US and EU paytech and the growing role of crypto in the payments space.
Metro Bank chief commercial officer talks why branch banking isn’t quite dead yet
Founded in 2010, Metro Bank has seen rapid growth in its 8 years of existence, gathering some 1.5m customers.
Young enough to be called a challenger yet using a business model more closely aligned with the high street banks of old, Metro Bank is in limbo between both camps in the great 'Challenger vs. Incumbent' debate.
"Prior to Metro, I was working at Lloyd's which was similar and different all at the same time," says Paul Riseborough, chief commercial officer of Metro Bank when he met bobsguide at Money20/20 in Amsterdam.
A difference of culture, of business models and of business value, in the podcast below Riseborough outlines what sets Metro Bank apart from both challenger and incumbent and how he thinks the future of the UK's banking market will play out.
"We took our eye off the ball," Kirsty Rutter, chief innovation officer of Barclays UK, tells bobsguide in this podcast, "and it was a gift."
Rutter goes on to discuss how the challenger banks spotted the gap in the market, executed excellent customer-centric strategies with fantastic technology.
It was a time to dread for the big banks.
As if 2008 hadn't damaged reputation enough, emerging players were evolving their technology and services at an ecstatic pace to drive up the standards of digital banking that customers quickly came ot demand.
But the big banks started to fight back, drawing on their huge resources and setup in-house accelerators to find the next fintech unicorn trained, nurtured and run out in their own academy.
The Rise Accelerator, headed by Rutter, is Barclays' answer to the challengers and their tech, by nurturing and fostering a catalogue of startups, including Flux, Synswap and ShieldPay among others.
Rutter also speaks about what it means to be an innovator, what personality make-up you need to thrive in disruption and how a small Japanese fishing village is now informing Barclays UK innovation strategy.
Can Blockchain solve the refugee crisis?
The worldwide refugee crisis shows no sign of stopping any time soon, with over 28,000 people still forced to flee their homes every day due to violent upheavals in the most turbulent parts of the world.
But could the solution be that apparent magical cure-all we’ve been hearing about for as long as we can remember?
Blockchain has been touted as the digital solution for nearly every problem in the tech world. But the indisputable ledger might also hold the key to providing refugees with opportunities for positive change.
This episode of the FinTalk Podcast features an interview with James Song, CEO and founder of Exsulcoin, a company using blockchain and crypto as a potential solution to the problems faced by refugees the world-over.
Mobile solutions for India’s unbanked | With Harold Montgomery, CEO, MoneyOnMobile
The financial world, we are told, is becoming ever more cashless, with some predicting that the UK will have done away with cash by 2025.
Countries like Sweden are ahead of the game already. But this isn’t the case the world-over. Cash still accounts for 95% of transactions in India, and is relied upon a great deal as a trustworthy economic grounding for the majority of Indian citizens.
But financial services are helping to bridge the gap between those unbanked citizens who rely on cash day-to-day, with the world of digital banking. This begs the question: is such an enormous turnaround possible, and how can it be done?
This episode features a conversation with Harold Montgomery, Chairman & CEO of MoneyOnMobile, about how that gap is currently being bridged, and how digital services are helping to provide greater financial inclusion for the unbanked and underbanked of India.
Blockchain and the future of sustainable procurement | with chief digital officer of SAP Ariba
Reporter Dave Beach had the pleasure of speaking to Dr Marcell Vollmer, chief digital officer at SAP Ariba during the company's event at the RAI in Amsterdam.
bobsguide's Beach and Dr Vollmer are joined by co-host and editor of PaymentEye, Michael Hocking, and together they discuss James Blunt, the fundamental impact of blockchain and what exactly a chief digital officer even does in the procurement industry.
How long until blockchain makes a telling contribution to the financial services?
Blockchain's disruption of financial services was a topic of discussion that bubbled under the surface in 2017. But following cryptocurrencies' thrust into the public consciousness at the back end of 2017, this year has begun with a sense of that 2018 will be year blockchain makes the transition from lab theory to successful use cases and even beyond to mass adoption. But how realistic are the lofty goals of blockchain's proponents?
The countdown to GDPR: Are you ready?
On 25 May 2018 the General Data Protection Regulation will come into force in the UK, affecting every business that collects data on its customers.
Financial services is one of the industries most heavily affected, so are institutions on top of compliance?
With 100 days remaining until its implementation date, we take a closer look at how the GDPR legislation is reshaping banking operations, ask where companies should be on their compliance journey, and highlight the dangers institutions face if the deadline is not met.
For those listening on-demand, past the deadline, has theory played out in practice?
The asset management landscape post-MiFID II implementation: So what happens now?
It is undisputable that MiFID II dominated the regulatory landscape in asset management for the past 12 months and beyond, with much of the dialogue focusing on the lack of clarity firms felt that they had received from the regulator on what MiFID II compliance should look like.
The cost of compliance, and the subsequent role fintech could play in minimizing those costs whilst satisfying the objectives of the regulator, was another facet of MiFID II that generated a huge amount of attention for firms.
So where do we stand now January 3 2018 has come and gone? Following all the uncertainty, do we now have a clearer picture of what the asset management landscape looks like in practice in a post-MiFID II world? Where should asset management firms now be in relation to MiFID II compliance? How will the regulator deal with firms that were not prepared for MiFID II implementation? And can MiFID II be immediately enforced?
The A-Z of financial technology solutions