Rebank: Fintech Analysis

Hello and welcome to Rebank. I'm your host, Will Beeson. Or should I say, I'm your guest, Will Beeson. Today's episode is different. The mic got turned on me this time to discuss CivilisedBank, the SME opportunity and the future of fintech more broadly. The host is Carlos Espinal, Partner at Seedcamp, one of the most active seed funds in Europe. This conversation originally aired earlier this week on Carlos's podcast, This Much I Know, which everyone should totally check out. Hope you enjoy the role reversal. Be back next week with another regular episode.

Today we're joined by Lex Sokolin, head of Autonomous Next, the disruptive technologies arm of research firm Autonomous. Topics of conversation today include Amazon vs Google vs Facebook for financial services disruption, the shortcomings of open banking and what the past few months in crypto tell us about what's next. In the conversation, we make reference to the newsletter Lex writes and to his recently published crypto report, both which you can find at next.autonomous.com. Let us know what you think of today's episode @rebankpodcast on Twitter or in the comments section on the website. Thank you very much for joining us today, please welcome, Lex Sokolin.

This is part two of a two-part episode. We published part one on August 21st as Rebank episode 99. We recently participated in an event with PIMFA, the UK Personal Investment Management and Financial Advice Association, on the subject of Millennials and Financial Services, as part of a research project they're undertaking. The research looks at how people in their 20s and early-30s think about life, work and the future, and how that influences their financial decisions. We spoke with a range of guests at and around the event, ranging from incumbent investment managers to fintech startups to millennials themselves and stitched those conversations together into this two-part episode. In part one, we heard from PIMFA's CEO, Liz Field, and Head of Research, Gary Sunderland, as well as Sally Allan of Wealthify and Ellie Duncan of the FT. In part two of the episode, we sit down with Nina Mohanty of fintech marketplace platform Bud and Sophie Winwood, formerly of Innovate Finance and soon to be with Anthemis, for a deeper dive into the way Millennials think about life, work and money. A huge thanks to PIMFA for coordinating the event and facilitating our involvement. As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com. If you like today's show, 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, Nina Mohanty and Sophie Winwood.

In today's episode, we catch up with Marieke Flament, Chief Marketing Officer of Circle, one of the most noteworthy crytpo companies. Circle was the first company to receive a BitLicense from the State of New York and the first virtual currency business to receive an e-money license from the British government. Circle has raised over over $246 million since 2013, including a $50 million round led by Goldman Sachs. Earlier this year, Circle acquired crypto exchange Poloniex for $400 million, with leaked documents suggesting an aspiration to make Poloniex America's first regulated crypto exchange. As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com. If you like today's show, 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, Marieke Flament.

Hello and welcome to Rebank. I'm your host, Will Beeson. This is part one of a two-part episode. We recently participated in an event with PIMFA, the UK Personal Investment Management and Financial Advice Association, on the subject of Millennials and Financial Services, as part of a research project they're undertaking. The research looks at how people in their 20s and early-30s think about life, work and the future, and how that influences their financial decisions. We spoke with a range of guests at and around the event, ranging from incumbent investment managers to fintech startups to millennials themselves and stitched those conversations together into this two-part episode. In part one, we'll hear from PIMFA's CEO, Liz Field, and Head of Research, Gary Sunderland, as well as Sally Allan, Chief Marketing Officer of Wealthify, a roboadvisor, and Ellie Duncan, Deputy Content Editor at FT Adviser. In part two of the episode, which we'll release in the coming weeks, we'll hear from Nina Mohanty, Business Development at fintech marketplace platform Bud, and Sophie Winwood, formerly of Innovate Finance and soon to be with Anthemis, a Venture Capital firm, for a deeper dive into the way Millennials themselves think about life, work and money. A huge thanks to PIMFA for coordinating the event and facilitating our involvement. As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com. If you like today's show, 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, Liz Field, Gary Sunderland, Sally Allan and Ellie Duncan.

This week, we look at the massively important topic of fintech for small businesses. Joining us are Edward Berks, Head of Fintech at Xero, a cloud-based accounting platform, Caroline Plumb, Founder and CEO of Fluidly, a cash flow forecasting tool, and James Haycock, Founder and Managing Director of Adaptive Lab, now Idean, following their recent acquisition by Capgemini. These three guests bring a wealth of experience solving problems for sole traders and small businesses and are excellently placed to explore today's topic. During the conversation, James mentions a report his team did on SMEs, which you can find here. As always, connect with us on Twitter, 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, Edward Berks, Caroline Plumb and James Haycock.

Today, we're launching Founder Sessions, a new series looking at the entrepreneurial process through the experiences of some of the most noteworthy fintech founders around the world. We've connected with a phenomenal selection of entrepreneurs over the years on Rebank, and we wanted to create a dedicated place to share their insights. Each episode of Founder Sessions will take the form of a short, focused discussion of the most important insights, lessons and advice our guests have to offer around startup success, based on their own first-hand experience. We'll mix Founder Sessions into our regular episode release schedule, so watch your feed. To kick things off, we connected with Husayn Kassai, founder of Onfido, one of the world's premier regtechs, specializing in customer authentication. Let us know what you think of the new format on Twitter @rebankpodcast, and feel free to send any guest ideas to rebank@bankingthefuture.com. Thank you very much for joining us today. Please welcome, Husayn Kassai.

This week, we're joined by Husayn Kassai, Founder and CEO of Onfido, and Christian Faes, Founder and CEO of LendInvest. Onfido uses machine learning in customer authentication, validating users' identity documents and comparing them with facial biometrics. LendInvest is a property lending and investment platform which has originated over £1bn of loans since launch. Both companies are regularly named among the top European fintechs and show no signs of slowing down. As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com. If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.

This week, we're joined by Philippe Gelis and Steve Lemon. Philippe is the Co-Founder and CEO of Kantox, a B2B FX company. Steve is the Co-Founder and VP of Corporate Development at CurrencyCloud, a wholesale FX and payments provider. We discuss a wide range of topics in today's conversation, including Monzo's recently published financial results, Banking Circle's $300m sale to EQT, Airwallex's $80m fundraise and much more. As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com. If you like today's show, 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, Philippe Gelis and Steve Lemon.

Today we're joined by Dan Hegarty, Founder and CEO of Habito. Habito is a digital mortgage platform helping homebuyers makes sense of the more than 10,000 mortgage offers available in the UK. Habito is backed by some of the biggest names in venture capital including Mosaic, Ribbit and Atomico. As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com. If you like today's show, 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 Dan Hegarty.