Rebank: Fintech Analysis

Jon Stein is the CEO and founder of Betterment, one of the leading roboadvisors in the US. After amassing experience advising banks and brokers on risk and products, Jon founded Betterment in 2008 to make people's lives better. Jon is a graduate of Harvard University and Columbia Business School. He holds Series 7, 24, 63 licenses and is a CFA charterholder. Jon's interests lie at the intersection of behavior, psychology, and economics, all of which we get into in today's conversation. If you enjoy today's episode, we'd really appreciate it if you shared it with one other person who might like it. Fintech is relevant all over the world, and we'd love your help spreading the message. Thank you very much for listening today. Please welcome, Jon Stein.

Antony Jenkins is the Founder and Executive Chairman of 10x Future Technologies, a UK-based fintech company creating digital platforms for banks. Antony is also Group Chairman of Currencies Direct, an FX and international payments provider, a board member of Blockchain, one of the leading software platforms for digital assets, backed by the likes of Lightspeed, Google Ventures and Sir Richard Branson. Antony also sits on the digital advisory council of Fannie Mae and is a member of a consultative working group for ESMA, the European financial regulatory institution. From 2012-2015, Antony served as CEO of Barclays Bank. At 10x, Antony and his team are building a digital bank for Virgin Money in the UK and speaking with banks around the world about implementing end-to-end-digital capabilities. Investors in 10x include Ping An, the China-based technology giant who was the primary investor in the £34m Series A funding round for 10x last September – the largest ever Series A for a European fintech firm. If you're interested in the topics we discuss today, subscribe to our mailing list at www.bankingthefuture.com. Thank you very much for joining us today. Please welcome, Antony Jenkins.

Megan Caywood is the Chief Platform Officer at Starling Bank, one of the UK's newest and most tech forward banks. Megan is responsible for the design and development of Starling's API strategy and the bank's marketplace, both of which we discuss in detail in today's conversation. And what a timely conversation it is. PSD2 in Europe and Open Banking in the UK took effect on Saturday, January 13th, the day after we recorded this episode, making effective one of the most dramatic changes to the banking industry in decades. Open data models, APIs and multi-party customer experience are core to Starling's model in the same way they are those of Google, Apple, Facebook and others. It's unclear how quickly the impact of Open Banking will be felt or exactly how the legislation will affect the market, but it could be transformational. 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 Megan Caywood.

Today, we welcome back our good friend Lawrence Wintermeyer, former CEO of Innovate Finance. Lawrence now works with a range of institutional investors and companies to help them capitalize on the shifts underway as part of the digital revolution. Lately, he's been doing a lot of work in cryptocurrency and tokens, the topic we pick up today. We also connect with Oliver Oram, founder of Chainvine, a blockchain company, and lead advisor to MindArk, a video game developer preparing an ICO. We get into some of the higher level developments in the crypto space with Lawrence, and dig into a specific ICO use case with Oliver in the second half of the episode. It feels like we're in the middle of a hurricane in the crypto space, with prices blowing in all directions while the underlying technological and social components struggle to take hold. Crypto is one of the most fascinating topics out there right now, and you're bound to have views. Let us know what you think @rebankpodcast @lwintermeyer and @ONOUKSV.

Today, we're thrilled to be joined by Jamie Campbell and Nina Mohanty of Bud, one of the most compelling fintech apps around. Despite its startup status, Bud has hit some major milestones and is working on a project with HSBC and First Direct that see them integrated directly into the incumbents' apps, in what could be a watershed moment for fintech. In addition to their super cool business, they're also just great people. Give them a shout @JCtheOriginal and @NinaMohanty, and invite them to your next party. Thank you very much for joining us today, please welcome Jamie Campbell and Nina Mohanty.

Benedetta Arese Lucini is the co-founder of Oval Money, an app helping people save more and improve their financial lives. Prior to starting Oval Money, Benedetta ran Uber in Italy, launching it in that country and running it for three years. And what a journey that was. We get into that experience, which is mind blowing. In addition to her interest in tech and fintech, Benedetta is an advocate for political reform and women's rights in Italy and a radio broadcaster. It was a blast catching up with Benedetta and getting into some of her personal story. Let us know what you think of today's episode. Tweet at us @rebankpodcast or connect on LinkedIn or Facebook. Thank you very much for joining us today. Please welcome, Benedetta Arese Lucini.

Alessandro Hatami is the former Group Innovation Director at Lloyds Banking Group and current Managing Partner at Forestreet. Alessandro bring a grown-up view to fintech. Working closely with incumbents on fintech strategy, he has great insight into the way larger players are positioning themselves in a changing FS landscape. Today, we get into what big tech players are likely to do with regards to banking, and what that means for banks. I assure you the conversation itself is much more interesting than this intro, which with references to banks and banking sounds pretty dull. Maybe big tech will do away with banking as we know it and get rid of the term all together. We'll see. This topic is so ripe for debate. Will financial services survive the arrival of social media giants? Let us know on Twitter @rebankpodcast. Thank you very much for joining us today. Please welcome, Alessandro Hatami.

Ella Rabener is the co-founder and Chief Marketing Officer of Scalable Capital, a technology-driven investment management platform for retail investors. Scalable Capital has raised 41 million Euros in funding from BlackRock, Holtzbrinck Ventures and Tengelmann Ventures. Scalable employs over 50 people in offices in Munich and London. I think this is one of the most interesting conversions we've ever had on the show. It's a bit long, but it's highly worth listening to through to the end. Ella drove this discussion across a range of topics, including raising a 30m Euro round from Blackrock, what she learned in 8 years at McKinsey, what we can do to address the gender imbalance in the workplace, and what the future of investing will look like. We've gotten some great feedback from you guys the audience over the past few weeks, which is helping us shape upcoming episodes. Keep getting in touch. Email us at rebank@bankingthefuture.com with ideas or just to introduce yourself. We love hearing from you. Special thanks to Innovate Finance for connecting us with Ella. We're hugely appreciative of everything they do for fintech in London. Thank you very much for joining us today. Please welcome, Ella Rabener.

Fiona Mackenzie is CEO and founder of marble, a personal financial management app. Fiona has spent most of her career as an actuary in insurance and pensions and is looking to bridge the gap between what people are doing with their money and what they could be doing to better achieve their goals. What do you think of the personal financial management tools you've used? What will the future of this space look like? Let us know on Twitter @rebankpodcast or via Facebook. Got ideas for the show? Email us at rebank@bankingthefuture.com. Thank you very much for joining us today, please welcome Fiona Mackenzie.

Stephane Malrait is a Managing Director and Global Head of Financial Markets eCommerce at ING. In that role, he effectively leads ING's electronic trading business as market maker and on behalf of clients. Stephane also sits on the Innovation Council of ING Bank and the Innovation steering committee of ING London. Today's chat was an interesting one looking at fintech for capital markets and where the opportunities lie. Join us behind the scenes as we prep our upcoming shows. Email us at will.beeson@bankingthefuture.com to introduce yourself, suggest guests and generally talk fintech. We love hearing from you. Thank you very much for joining us today, please welcome Stephane Malrait.