Rebank: Fintech Analysis

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.

Aman Ghei is a Principal at Finch Capital, a Venture Capital firm with offices in London, Amsterdam and Singapore. Nigel Verdon is the Co-Founder and CEO of Railsbank, a banking utility layer giving fintechs access to banking services in five lines of code. Aman and Nigel are two extremely insightful guys. We explore a range of subjects in today's conversation, including open banking, proptech, insurtech, platform banking and 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, Aman Ghei and Nigel Verdon.

Today, we're joined by two excellent guests to discuss recent developments and new opportunities in emerging markets fintech. Ameya Upadhyay is a Principal at Omidyar, an impact fund that has deployed over $1.3bn over the past 10 years. Asad Naqvi is Managing Director of Apis, a growth stage private equity fund focused on Emerging Markets. We originally connected with Ameya in Episode 39 in May 2017. If you like today's episode, check that one out too at www.bankingthefuture.com. In this conversation, we discuss the importance of cash and human touch points as a part of the innovation equation in Emerging Markets, why fintechs are overvalued, how raising a series C round is similar to turning 40, where the most recognized players in cross-border payments fintech have fallen short 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, Ameya Upadhyay and Asad Naqvi.

Today we have an epic line up to discuss the ever evolving topic of Open Banking. Formally implemented as law in Europe in January as PSD2 in Europe and Open Banking in the UK, we're still in the very early days of what will be a transformational change in financial services. Joining us to discuss current developments in Open Banking and where we're headed from here are Louise Beaumont, Co-Chair of techUK's Open Banking & Payments Working Group and a member of the Open Banking Implementation Entitiy Working Group, Megan Caywood, Chief Platform Officer at Starling Bank, a UK digital bank differentiating through Open Banking, and Jamie Campbell, Head of Awareness at Bud, a fintech leveraging Open Banking to create new revenue streams for banks. In the episode, Jamie mentions the book Bud have published on Open Banking, available here. You may have noticed that we've recorded the last few episodes in the offices of Saxo Payments Banking Circle, a new utility layer for banking. I was recently involved in a report they coordinated on Open Banking and other trends, and how they're reshaping the industry, which I'll link to in the show notes. 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 Louise Beaumont, Megan Caywood and Jamie Campbell.

Today, we're thrilled to be joined by four entrepreneurs working with data to change the world. Julian Ranger is the Chairman of digi.me, a platform that allows users to take back ownership of their data currently spread around the web and use it to their own benefit. Aneesh Verna is the Founder and CEO of Aire, a new breed of credit bureau improving access to credit. Charles Bradley and Hannah Leach are from Adapt, an advisory firm helping companies build strategies and governance around data. What more topical subject right now than data, with GDPR still brand new and the Facebook/Cambridge Analytica saga still fresh in mind. We talk about how people and companies should think about data, what's still missing from the data equation, the ethics of data and its capture, retention and processing, the tension between commercial and privacy concerns and much more. Connect with us on Twitter @rebankpodcast, on Facebook, LinkedIn or on our website at www.bankingthefuture.com. 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, Aneesh Verna, Charles Bradley, Hannah Leach and Julian Ranger.

Today, we're joined by two entrepreneurs making credit more understandable and accessible for people. Freddy Kelly is the Founder of Credit Kudos, a new model credit bureau making better data available to lenders. Matt Ford is the Founder of Pariti, an app built to help consumers improve their credit and qualify for new products. Pariti was recently acquired by UK challenger bank Tandem, who we've had on the podcast before. To help people get oriented, Freddy's voice is the one you'll hear in response to my first question about how credit scores traditionally work. We've got a number of group episodes lined up over the course of the summer. Let us know what you think of the format. Connect with us on Twitter @rebankpodcast, or on LinkedIn, Facebook or our website at www.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, Freddy Kelly and Matt Ford.

Gab Columbro is the Executive Director of FINOS, the fintech open source foundation. FINOS is creating an open source movement in banking and financial services the same way open source technologies like Linux, Firefox, Wordpress, Hadoop, NodeJS and many more have done for tech. Born out of Symphony, the open source platform launched to rival Bloomberg, FINOS has expanded to cover a range of technologies. In this conversation, we get into the benefits of transparent code, the challenges of governance by consensus, tension between open source and profit maximization, and where the platform model is likely to go. As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com. Thank you very much for joining us today. Please welcome, Gab Columbro.