Guests Rachel Pandyan, Doug Mackenzie, and Anil Stocker join the hosts to discuss the latest fintech news, including HSBC being fined £57m by the Bank of England, Mastercard's plan to replace passwords with biometric authentication, and Nova Credit's support for Ukrainian refugees. They also cover stories about PayPal reducing its workforce, a petition for financial literacy in schools, and a humorous incident involving Tom Hollander receiving Spider-Man's bonus cheque.

Experts discuss the role of big tech in finance, exploring use cases and risks. They debate whether big tech companies are friends or competitors to banks. The challenges of informed consent and the potential for bots to streamline financial processes are explored. Cultural differences between traditional banks and big tech companies are highlighted. The future of consumer engagement and the transition to the metaverse are also discussed.

Amelia Isaacs, Senior Reporter at AltFi, and Rachel Pandyan, Ventures Product Lead at 11:FS, join the hosts to discuss various topics, such as Revolut's launch of mobile wallets, the potential impact of social media on bank runs, Italy's Objectway acquiring Newst Wealth, Moody's Analytics tapping Numerated for automated loan process, Comic Relief's extended partnership with GoCardless, Apple Pay opening up NFC chip access to third parties, and a retired teacher facing a halted pension due to mistaken identity.

Experts discuss the importance of personalized financial services and customer-centricity in 2024, highlighting the role of real-time data, AI, and machine learning. They explore the potential of personalization in banking, including tailored solutions for different customer needs and the balance between personalization and standardization. The speakers also discuss the potential of AI in creating personalized banking experiences, from wealth advisory to fraud monitoring, and the challenges and risks associated with AI implementation in banking.

In this episode, the guests discuss the emerging risk of AI fraud according to ComplyAdvantage's State of Financial Crime Report. They also cover Natwest's venture into intellectual property-based lending, Mastercard's launch of Small Business AI, ipaymy's automated invoice platform for SMBs, Revolut's partnership with tech firm Jabil to scale mobile POS, and Santander's efforts to hoover up tech talent for digital overhaul. Lastly, they explore the revelation that our fingerprints may not be unique after all.

Exploring the impact of the 2008 financial crisis on trust in the industry. CEO of Carmula shares frustration with used car finance market. Importance of trust, cyber attacks, and customer well-being. Understanding customer needs and delivering value. Shift from face-to-face to digital channels. Importance of trust, customer-centricity, and financial literacy.

Nirav Patel, CEO at Andaria Financial Services, and Jason Mikula, Founder of Fintech Business Weekly, join the hosts to discuss Elon Musk's plans for peer-to-peer payments on X (formerly Twitter). They also cover topics such as embedded finance, Revolut's biometric data lawsuit, rate cuts by Barclays and Santander, SEC's approval of new Bitcoin ETPs, China's Ant Group eyeing a Dutch fintech acquisition, and record high pothole insurance claims.

Guests Kiaan Pillay and Andrew Escobar discuss the current state of open banking and its impact on financial services. They explore the benefits of open banking, such as personal finance apps and simplified payments. The podcast also examines the regulation of open banking in different countries, highlighting the progress and challenges faced. The speakers emphasize the role of open banking in fostering competition, innovation, and customer-centric experiences.

This week's podcast discusses HSBC's launch of the multi-currency app Zing and its competition with Wise. They also talk about Pave Bank's funding, the UK-Switzerland financial services agreement, Blackstone's acquisition of Sony Payment Services, and the challenges of Buy Now Pay Later. They also touch on HSBC selling its French retail banking business and the UK's tax collector cracking down on side hustles.

The hosts make bold predictions for the fintech industry in 2024 and reflect on last year's predictions. They discuss innovation for SMEs, access to credit, and debt management. The slow progress in fintech is highlighted, along with the importance of life orchestration and financial literacy. Tailored credit for SMEs and modernizing core systems are explored. Fintech predictions for the wealthy and underserved are discussed, including the desire for digital experiences, financial wellbeing, and potential IPO prospects.