Tom Easterby, Head of Fintech at HSBC Innovation Banking, joins Jessica Cath, a financial crime expert, and Sophie Condie, CEO of Shieldpay, to discuss major shifts in fintech. They explore the rise of AI in investment, the looming disappearance of TSB due to potential Santander acquisition, and Robinhood's exciting move into tokenized equities. The group also touches on Monzo's hefty fine for regulatory lapses and the need for better diversity and inclusion within financial services, especially concerning LGBTQ+ representation.