Rebank: Fintech Analysis

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.

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.