Rebank: Fintech Analysis

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.

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.

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 Zopa, Seedrs, Interactive Investor, Tide, DueDil 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.

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? Monzo, N26 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.

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.

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.

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 Twitter, 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, Sean Park.

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 Twitter, 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, Leslie Campisi.

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.

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.