Rebank: Fintech Analysis

Kevin Beardsley is the Managing Director of B2C2, a leading cryptocurrency marketmaker. and one of the 40 coolest people in UK fintech, according to Business Insider. B2C2 provides 24/7/365 liquidity for half a dozen of the leading crytocurrencies in all of the main fiat currencies, plus synthetic exposure to crypto. In his role, Kevin is uniquely positioned to comment on how the institutional investment community interacts with crypto and where the space is going. Prior to joining B2C2, Kevin ran Business Development at Elliptic, a software and investigations company that helps banks and law enforcement agencies monitor Bitcoin transactions and detect suspicious activity. Before that, he was Director of Membership at the Bitcoin Foundation. Today's conversation was a great opportunity to take stock on where the crypto space sits in its development and where it might be going. Connect with us on Twitter @rebankpodcast or on LinkedIn, Facebook or YouTube. Thanks very much for joining us today. Please welcome, Kevin Beardsley.

Suresh Vaghjiani is the Managing Director of Global Processing Services, a card processor supporting some of the best known fintechs including Monzo, Starling, Revolut, Curve, Osper, Pockit and more. Suresh brings a potentially dry subject to life with some pretty interesting examples of where card technology is going and what new experiences are likely to appear over the next few years. Connect with us on twitter @rebankpodcast or on LinkedIn, Facebook or YouTube. Thank you very much for joining us today. Please welcome, Suresh Vaghjiani.

Gregg Schoenberg runs The Financial Revolutionist, a weekly newsletter touching on some of the most interesting developments in financial innovation and linking them in interesting ways to all sorts of social and cultural considerations. Prior to starting the FR, Gregg was a senior executive at Natixis, a French bank, where he ran equities. The FR is published weekly, and you can subscribe at thefinancialrevolutionist.com. Some of the highlights from recent editions include interviews with Max Levchin, Jay Fulcher and others, and some really fascinating thinking about how the world is likely to evolve between now and 2028. In this far reaching conversation, we dig into topics ranging from career reinvention and the future of work to universal basic income, the role of crypto in campaign finance reform and much more.

Today we have the great pleasure of catching up with Cristina Alba Ochoa, CFO, and Valentina Kristensen, Head of Marketing, of OakNorth, one of the UK's leading banks. You thought I was going to say leading challenger banks, which of course they are, but I think it's fair to say they're punching well above their weight. We sat down with OakNorth's co-founder Joel Perlman way back in episode 12, where we got into the founder's story. It's still a highly relevant conversation, and I'd encourage you to check it out. In the year and a half since we connected with Joel, OakNorth has been killing it. They broke even twenty-two months after launch, they've originated close to £1b in loans to UK SMEs, they've raised £250m at a billion dollar plus valuation....oh yeah, and they've built and launched a side hustle called Acorns that could be as big or bigger than OakNorth itself. No big deal. This was such a fun chat with two super smart, high energy women. I don't expect it will be the last time we have them on show. If you enjoy today's episode, share the love on Twitter, Facebook and LinkedIn. Thanks to everyone who signed up for the newsletter in the past week or two. Watch your inbox. Thank you very much for joining us today, please welcome, Cristina Alba Ochoa and Valentina Kristensen.

Anders La Cour is the co-founder and CEO of Saxo Payments Banking Circle, a utility layer providing global transaction processing and payments to the banking industry. Many people talk about banks becoming a backend, payment processing utility layer, and Anders is actively building a business to play that role. Anders is a lawyer by training and worked in M&A advisory and Venture Capital prior to starting Banking Circle. If you enjoy today's episode, check out the entire back catalog at www.bankingthefuture.com. Thank you very much for joining us today, please welcome, Anders La Cour.

Today the focus is on alternative lending, one of the original fintech verticals. Surprisingly, in nearly 80 episodes, we've never gotten deep into alternative lending. After holding off for so long, today we're hitting you with two interviews, one with Jens Woloszczak, the founder and CEO of Spotcap, and the second with Christoph Rieche, founder and CEO of iwoca. As one of the earliest areas of fintech focus, lending has come a long way, and certainly had it's ups and downs - perhaps more to come when we hit a less happy place in the credit cycle. We talk about that with Jens and Christoph, along with what differentiates their models, how balance sheet lending compares to peer to peer lending, where Spotcap and iwoca outperform, and much more. If you haven't signed up for our newsletter yet, head over to bankingthefuture.com and do it now. We're going to be creating a lot of new content across audio, video and written pieces, and the best place to keep up with it all is the mailer. Keep the support coming on social media and through the website. Can't believe we're closing in on 80 episodes. Thanks to all you amazing listeners for seeing us this far.

Sam Maule is Managing Director, North America for 11:FS, a UK-based digital consulting firm. Prior to joining 11:FS, Same led Digital and Fintech for NTT Data, and before that, he worked on product at TSYS, a card processor. Sam is the host of the Connection Interrupted podcast, where he interviews guests about their experiences with technology. As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com. If you enjoy today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review. Thank you very for joining us today. Please welcome, Sam Maule.

Hiroki Takeuchi is the Founder and CEO of GoCardless, a London-based fintech that simplifies recurring payment collection for businesses. GoCardless has raised $47m to date and is backed by the likes of Balderton, Accel Partners, Passion Capital and Notion Capital. Hiroki and his co-founders, including Tom Blomfield, now of Monzo, who joined us on the podcast way back in episode 17, went through Y Combinator in early on and have some interesting stories about that experience. Today's conversation covers a number of topics, some of which are quite challenging. I'd highly encourage you to listen through to the end. Hiroki is an exceptional entrepreneur with a powerful story. Check out the show notes at www.bankingthefuture.com for links to the articles mentioned in today's conversation. If you enjoy today's episode, please subscribe on iTunes, or your podcast platform of choice. Thank you very much for joining us today. Please welcome Hiroki Takeuchi.

Today we're thrilled to be joined by Nigel Walsh, aka Mr. InsurTech. Nigel is a partner in Deloitte's Financial Services technology practice, where he focuses on insurtech. With a background in end to end technology transformation, Nigel works with insurers on the journey to becoming truly digital. Prior to joining Deloitte, Nigel led the UK Insurance business for Capgemini, where he advised UK and European Insurance companies on major systems replacements and technology transformation projects aimed at improving the customer and broker experience. Nigel hosts a podcast called Insurtech Insider, where he goes deep on Insurtech topics on a regular basis. If you find today's episode interesting, I'd highly encourage you to check it out. Thanks very much for joining us today, please welcome, Nigel Walsh.

Russ Shaw is the Founder of Tech London Advocates (TLA), a private sector led group of leaders promoting London's technology sector and addressing the issues on the horizon. The group is a not-for-profit community of individuals with aspirations to build and promote London as a world leading digital and technology city. Russ has led a long and illustrious career in technology and telecom, including serving as the Chief Marketing Officer of O2, the Global Innovation Director for Telefonica and Managing Director, EMEA for Skype. In addition to his work at TLA, Russ is a non-executive director of three tech companies, two of which are publicly listed, and an angel investor. If you enjoy today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.