Luca Prosperi

Luca Prosperi is the co-founder and CEO of M^ZERO LABS_, a team building a new backend for the banking system. Luca is a deep thinking analyst, economist and builder, with a background in institutional finance, alternative and credit investments and more recently DeFi lending and governance. Luca publishes analysis on Dirt Roads, a must read for anyone thinking about the construct and evolution of money and associated topics. M^ZERO sprang into life recently with the announcement of a $22.5m seed round from investors including Pantera. AirTree, ParaFi, Mouro and Earlybird. The team is building decentralized infrastructure with the vision of ultimately replacing the commercial banking backend, starting with a better stablecoin. In this conversation, Luca and I discuss the inspiration and vision for M^ZERO, Luca’s learnings from his time at MakerDAO, governance considerations for decentralized institutional infrastructure, the shortcomings of existing stablecoins and his team’s proposed approach, M^ZERO with respect to the current banking industry turmoil and more. Thank you very much for joining us today. Please welcome, Luca Prosperi.

Luca Prosperi is the co-founder and CEO of <a href="https://m0.xyz" rel="nofollow" target="_blank">M^ZERO LABS_</a>, a team building a new backend for the banking system. Luca is a deep thinking analyst, economist and builder, with a background in institutional finance, alternative and credit investments and more recently DeFi lending and governance. Luca publishes analysis on <a href="https://dirtroads.substack.com" rel="nofollow" target="_blank">Dirt Roads</a>, a must read for anyone thinking about the construct and evolution of money and associated topics. M^ZERO sprang into life recently with the announcement of a $22.5m seed round from investors including Pantera. AirTree, ParaFi, Mouro and Earlybird. The team is building decentralized infrastructure with the vision of ultimately replacing the commercial banking backend, starting with a better stablecoin. In this conversation, Luca and I discuss the inspiration and vision for M^ZERO, Luca’s learnings from his time at MakerDAO, governance considerations for decentralized institutional infrastructure, the shortcomings of existing stablecoins and his team’s proposed approach, M^ZERO with respect to the current banking industry turmoil and more. Thank you very much for joining us today. Please welcome, Luca Prosperi.

Building a Distributed Backend for the Global Banking System with Luca Prosperi

Sheel Mohnot is Co-Founder and General Partner at Better Tomorrow Ventures, an early-stage fintech VC currently investing out of its $225m second fund.   Sheel is a former founder, having built a tech-first card processor way back in 2010 which was quickly acquired by Groupon.   Since 2014, Sheel has been angel investing and, as of 2016, investing full-time.   Sheel is an incredible Twitter follow and constant source of information, insight and entertainment.   In this conversation, we discuss how fintech VC has changed over the last few years, the state of the early-stage market today, what separates elite seed funds from others, building social capital as an investor, the investment areas Sheel is currently focused on and more.   Thank you very much for joining us today. Please welcome, Sheel Mohnot.

<a href="https://twitter.com/pitdesi" rel="nofollow" target="_blank">Sheel Mohnot</a> is Co-Founder and General Partner at Better Tomorrow Ventures, an early-stage fintech VC currently investing out of its $225m second fund.   Sheel is a former founder, having built a tech-first card processor way back in 2010 which was quickly acquired by Groupon.   Since 2014, Sheel has been angel investing and, as of 2016, investing full-time.   Sheel is an incredible Twitter follow and constant source of information, insight and entertainment.   In this conversation, we discuss how fintech VC has changed over the last few years, the state of the early-stage market today, what separates elite seed funds from others, building social capital as an investor, the investment areas Sheel is currently focused on and more.   Thank you very much for joining us today. Please welcome, Sheel Mohnot.

How to Differentiate in Early-Stage Fintech VC with Sheel Mohnot

Matt Harris is an entrepreneur and investor and the founder of Bloom Credit, an API platform for credit data access and analysis. Currently, Matt is focused on investing and advising, working with VC-backed founders and advising companies in the credit space.   Among other things, Matt is an advisor to Commerce Ventures, writing scout checks and helping the fund make fintech investments.   Matt is also an active angel, having invested in 10+ fintech companies including TrueAccord, Karat and HM Bradley and a number of others.   In this conversation, we discuss the level of understanding among VCs and founders of the credit business, the inputs to effective underwriting, how to build a great credit business, emerging opportunities like embedded credit and more.   Thank you very much for joining us today. Please welcome, Matt Harris.

What VCs and Founders Get Wrong About the Credit Business

Stephane Lintner is Co-Founder &amp; CEO of Jiko, a new take on the money storage and transaction layer in banking, a.k.a. checking accounts and cash management.   Jiko was founded in 2016 with the mission of providing consumers and businesses with direct access to spendable T-Bills, combining all the benefits of checking accounts with the safety and, depending on the economic cycle, yield of treasuries.   Jiko has raised $89m according to Crunchbase, including  $40m in October. Jiko offers accounts directly to consumers via an app and to corporates and platforms via API. Jiko owns and operates an OCC-chartered national bank, which it acquired in 2020, and a registered broker-dealer.   In this conversation, Stephane and I discuss Jiko’s concept and ultimate vision, the implications for the existing banking model, Jiko’s successful bank acquisition, the relationship with adjacencies like stablecoins and CBDCs, and more.   Thank you very much for joining us today. Please welcome, Stephane Lintner

<a href="https://www.linkedin.com/in/slintner/" rel="nofollow" target="_blank">Stephane Lintner</a> is Co-Founder &amp; CEO of Jiko, a new take on the money storage and transaction layer in banking, a.k.a. checking accounts and cash management.   <a href="https://jiko.io" rel="nofollow" target="_blank">Jiko</a> was founded in 2016 with the mission of providing consumers and businesses with direct access to spendable T-Bills, combining all the benefits of checking accounts with the safety and, depending on the economic cycle, yield of treasuries.   Jiko has raised $89m according to Crunchbase, including <a href="https://techcrunch.com/2022/10/06/fintech-jiko-banks-40m-in-series-b-funding-for-scaleable-money-storage/" rel="nofollow" target="_blank"> $40m in October</a>. Jiko offers accounts directly to consumers via an app and to corporates and platforms via API. Jiko owns and operates an OCC-chartered national bank, which it acquired in 2020, and a registered broker-dealer.   In this conversation, Stephane and I discuss Jiko’s concept and ultimate vision, the implications for the existing banking model, Jiko’s successful bank acquisition, the relationship with adjacencies like stablecoins and CBDCs, and more.   Thank you very much for joining us today. Please welcome, Stephane Lintner

Rebuilding Checking & Cash Management with Jiko

Matt Brown

Matt Brown is a venture capitalist and Partner at Matrix Partners.   Matt is a founder and operator turned investor, having started two software companies, both backed by Matrix, and then led product for AfterPay in the US in the lead-up to its acquisition by Square, now Block.   Matt’s second company, Bonsai, is a vertical SaaS company for micro businesses which evolved from a pure software company into a fintech through the incorporation of financial products, before embedded finance was a household term.   Matt is strategic and thoughtful, writing regularly on fintech market dynamics, with a specific focus on payments, credit and vertical SaaS.   In this conversation, we discuss Matt’s approach to seed and A-stage investing, BNPL and the implications for digital commerce more broadly, Matt's analysis of payments market dynamics, opportunities for early-stage fintechs in an increasingly saturated market and more.   Thank you very much for joining us today. Please welcome, Matt Brown.

Payments, Credit and Vertical SaaS with Matt Brown of Matrix Partners

Chris Dean is the co-founder &amp; CEO of Treasury Prime, a leading US banking-as-a-service platform fresh off a $40m Series C raise.   Treasury Prime is a software company that connects sponsor banks to customer facing fintechs and by doing so powers bank accounts, cards and money movement. Unlike others in the banking-as-a-service space, Treasury Prime describes itself as building a network of interoperable sponsor banks and customer-facing fintechs in a ground-up approach to Open Banking in the US.    In this conversation, Chris and Will Beeson discuss the state of the banking-as-a-service industry, Treasury Prime’s approach compared to other software-based BaaS companies and tech-enabled sponsor banks themselves, the economics of banking-as-a-service, the evolving regulatory environment and more.    Thank you very much for joining us today. Please welcome, Chris Dean.

The Inner Workings of Banking-as-a-Service with Treasury Prime

Jared Franklin is an investor at Costanoa Ventures.   Costanoa is a seed-stage VC focused on fintech, data and developer infrastructure, applied AI and security, specifically B2B.   The firm has $1.5b under management across seed and growth funds, including its $225m fourth seed fund.   Prior to joining Costanoa, Jared worked in product across fintech and crypto for BillMeLater, PayPal and BlockFi.   In this conversation, Jared and I discuss his experience transitioning from operating to investing, the learning curve as a new investor, Costanoa’s approach to identifying and supporting companies at the seed stage, and 7 investment themes Jared is focused on in 2023.

Fintech & Crypto Seed Investing with Jared Franklin of Costanoa

I’m joined by fintech and web3 luminary Lex Sokolin, Head Economist at ConsenSys and author of the Fintech Blueprint, for a discussion about the embedded finance value chain.   As listeners know, this is a topic of great interested to me, and I was happy to have the opportunity to dig into it with Lex in a conversation that we’re releasing through both of our platforms.   In this conversation, Lex and I take stock of the BaaS and embedded finance space in a moment of market dislocation to see what it reveals about what works, what doesn’t and where the next opportunities are.   If you don’t already subscribe to the Fintech Blueprint, I’d highly encourage you to do so for the best analysis in the industry. For an example of their content, check out the post for this episode on  rebank.cc.   Thank you very much for joining us today. Please welcome, Lex Sokolin.

I’m joined by fintech and web3 luminary <a href="https://www.linkedin.com/in/alexeysokolin/" rel="nofollow" target="_blank">Lex Sokolin</a>, Head Economist at ConsenSys and author of the <a href="https://www.fintechblueprint.com" rel="nofollow" target="_blank">Fintech Blueprint</a>, for a discussion about the embedded finance value chain.   As listeners know, this is a topic of great interested to me, and I was happy to have the opportunity to dig into it with Lex in a conversation that we’re releasing through both of our platforms.   In this conversation, Lex and I take stock of the BaaS and embedded finance space in a moment of market dislocation to see what it reveals about what works, what doesn’t and where the next opportunities are.   If you don’t already subscribe to the Fintech Blueprint, I’d highly encourage you to do so for the best analysis in the industry. For an example of their content, check out the post for this episode on <a href="https://rebank.cc/examining-the-embedded-finance-value-chain-in-a-moment-of-market-dislocation" rel="nofollow" target="_blank"> rebank.cc</a>.   Thank you very much for joining us today. Please welcome, Lex Sokolin.

Examining the Embedded Finance Value Chain in a Moment of Market Dislocation

Banking-as-a-Service (BaaS) has been the subject of much excitement in fintech over the past few years, together with the related but more general concept of embedded finance.  It powers companies like Chime, Robinhood and Coinbase and can include products like checking, savings, debit cards, credit cards, lending and more. In this episode, we read an essay analyzing the BaaS value chain, which we argue is not currently in equilibrium and predict will evolve. Read the article here: https://rebank.cc/the-baas-value-chain-is-broken/

Banking-as-a-Service (BaaS) has been the subject of much excitement in fintech over the past few years, together with the related but more general concept of <a href="https://rebank.cc/the-3-6-trillion-embedded-finance-opportunity/" rel="noopener noreferrer nofollow" target="_blank">embedded finance</a>.  It powers companies like Chime, Robinhood and Coinbase and can include products like checking, savings, debit cards, credit cards, lending and more. In this episode, we read an essay analyzing the BaaS value chain, which we argue is not currently in equilibrium and predict will evolve. Read the article here: <a href="https://rebank.cc/the-baas-value-chain-is-broken/" rel="nofollow" target="_blank">https://rebank.cc/the-baas-value-chain-is-broken/</a>

The BaaS Value Chain is Broken

Rex Salisbury

Rex Salisbury is the Founder of Cambrian and  GP of Cambrian Ventures. Rex is a key figure in the Fintech ecosystem, having started Cambrian as a product meetup in 2015 and ultimately growing it into a community of 15,000 newsletter subscribers, 5,000 meetup members, 1,300 founders and now an early-stage venture fund. Along the way, Rex spent two years at a16z as a partner on the Fintech team, backing companies including Deel and Tally, according to  TechCrunch.   Though only having just closed the fund, Rex has already made five investments, including in Keep Financial, a bonus management platform started by Kabbage founders Rob Frohwein and Kathryn Petralia.   In this conversation, we discuss Rex’s approach to fundraising as a solo GP and factors that contributed to his success, raising and deploying a fund in the current market environment, Cambrian’s investment and value creation strategy and much more.   Thank you very much for joining us today. Please welcome, Rex Salisbury.

Rex Salisbury is the Founder of <a href="http://www.cambrianhq.com/" rel="nofollow" target="_blank">Cambrian</a> and <a href="https://techcrunch.com/2022/07/26/from-software-engineer-to-venture-capitalist-ex-a16z-partner-rex-salisbury-unveils-new-early-stage-fund/" rel="nofollow" target="_blank"> GP of Cambrian Ventures</a>. Rex is a key figure in the Fintech ecosystem, having started Cambrian as a product meetup in 2015 and ultimately growing it into a community of 15,000 newsletter subscribers, 5,000 meetup members, 1,300 founders and now an early-stage venture fund. Along the way, Rex spent two years at a16z as a partner on the Fintech team, backing companies including Deel and Tally, according to <a href="https://techcrunch.com/2022/07/26/from-software-engineer-to-venture-capitalist-ex-a16z-partner-rex-salisbury-unveils-new-early-stage-fund/" rel="nofollow" target="_blank"> TechCrunch</a>.   Though only having just closed the fund, Rex has already made five investments, including in Keep Financial, a bonus management platform started by Kabbage founders Rob Frohwein and Kathryn Petralia.   In this conversation, we discuss Rex’s approach to fundraising as a solo GP and factors that contributed to his success, raising and deploying a fund in the current market environment, Cambrian’s investment and value creation strategy and much more.   Thank you very much for joining us today. Please welcome, Rex Salisbury.

Raising a $20m VC Fund as a Solo GP with Rex Salisbury

Financial innovation, technology advances and social changes are sending shockwaves through the financial services industry.In an age of increasingly rapid change, important questions, debates and developments are unfolding before our eyes. These ideas, and the choices we make in response to them, will shape our future.Technology is vastly powerful, creating new industries in response to – or sometimes in anticipation of – changing customer expectations.Rebank explores the trends, developments and challenges that define our age and shape the future role of money, banking and financial services.

One of the best podcasts focused on FinTech

Very insightful host and great guests! Fascinating where Fintech is heading

The future of fintech

Financial innovation, technology advances and social changes are sending shockwaves through the financial services industry. In an age of increasingly rapid change, important questions, debates and developments are unfolding before our eyes. These ideas, and the choices we make in response to them, will shape our future. Technology is vastly powerful, creating new industries in response to – or sometimes in anticipation of – changing customer expectations. Rebank explores the trends, developments and challenges that define our age and shape the future role of money, banking and financial services.

Rebank: Fintech Analysis

Chris Skinner

Chris Skinner is one of the world's most authoritative voices on the future of banking. Chris is a writer, speaker, analyst and commentator covering all things digital banking. Chris has published multiple books on the future of banking and fintech, including most recently ValueWeb, which in Chris's own words explores "the open-sourcing of financial services using apps, analytics, APIs...and blockchain." Chris is on the Advisory Boards of a number of companies including Innovate Finance, Moven and Meniga. He has been voted one of the most influential people in banking by The Financial Brand, Next Bank, City AM, Deluxe and Jax Finance. The Wall Street Journal named Chris one of "The Top 40 Fintech Influencers Globally." If that wasn't enough, Seth Wheeler, Brookings Guest Scholar and Former Special Assistant to the President for Economic Policy at the White House, called Chris “one of the most authoritative voices on Fintech anywhere.”

Chris Skinner is one of the world's most authoritative voices on the future of banking. Chris is a writer, speaker, analyst and commentator covering all things digital banking. Chris has published multiple books on the future of banking and fintech, including most recently ValueWeb, which in Chris's own words explores "the open-sourcing of financial services using apps, analytics, APIs...and blockchain." Chris is on the Advisory Boards of a number of companies including Innovate Finance, Moven and Meniga. He has been voted one of the most influential people in banking by The Financial Brand, Next Bank, City AM, Deluxe and Jax Finance. The Wall Street Journal named Chris one of "The Top 40 Fintech Influencers Globally." If that wasn't enough, Seth Wheeler, Brookings Guest Scholar and Former Special Assistant to the President for Economic Policy at the White House, called Chris “one of the most authoritative voices on Fintech anywhere.”

The Future of Banking with Chris Skinner

Ryan King is the Co-Founder and CTO of Chime, one of the leading digital banks in the US. Chime offers free banking to over three million customers, helping them save hundreds a year on banking and gain control of their financial lives. This episode was recorded at LendIt in San Francisco. A huge thanks to Peter Renton and his team for inviting us to participate. As listeners know, digital banking is a space we follow closely. The US is a fascinating market to watch, given the importance of spending, borrowing and investing, prevailing incumbent pricing structures, digital penetration and customer expectations. And with the number of well-funded fintechs converging on comprehensive digital financial offerings, including Robinhood, Acorns, Betterment, MoneyLion, Chime, Varo and others, not to mention European digital banks like Monzo, N26 and Revolut, the space will get competitive fast. In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates. Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy. For more information about our services, please visit www.bankingthefuture.com. Thank you very much for joining us today. Please welcome, Ryan King.

<a href="https://www.linkedin.com/in/ryanaking" rel="nofollow" target="_blank">Ryan King</a> is the Co-Founder and CTO of <a href="http://chimebank.com/" rel="nofollow" target="_blank">Chime</a>, one of the leading digital banks in the US. Chime offers free banking to over three million customers, helping them save hundreds a year on banking and gain control of their financial lives. This episode was recorded at <a href="https://www.lendit.com/" rel="nofollow" target="_blank">LendIt</a> in San Francisco. A huge thanks to <a href="https://www.linkedin.com/in/peterrenton" rel="nofollow" target="_blank">Peter Renton</a> and his team for inviting us to participate. As listeners know, digital banking is a space we follow closely. The US is a fascinating market to watch, given the importance of spending, borrowing and investing, prevailing incumbent pricing structures, digital penetration and customer expectations. And with the number of well-funded fintechs converging on comprehensive digital financial offerings, including Robinhood, Acorns, Betterment, MoneyLion, Chime, Varo and others, not to mention European digital banks like Monzo, N26 and Revolut, the space will get competitive fast. In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates. Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy. For more information about our services, please visit <a href="http://www.bankingthefuture.com/advisory" rel="nofollow" target="_blank">www.bankingthefuture.com</a>. Thank you very much for joining us today. Please welcome, Ryan King.

America's Fastest Growing Digital Bank with Chime

David Velez

Welcome to the fourth instalment of our Founder Sessions series. We're joined by David Velez, the Founder and CEO of Nubank, the leading financial technology company in Latin America.   Nubank has 5 million credit card customers, 2.5 million bank account customers and has raised $420 million from investors including Sequoia, Tencent, Tiger Global, QED, Founders Fund and more. Before founding Nubank in 2013, David was a Partner at Sequoia in charge of the firm’s Latin American investments. Before Sequoia, David worked in investment banking and growth equity at Goldman, Morgan Stanley and General Atlantic.    As always, connect with us onTwitter, Facebook, LinkedIn or on our website at 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, David Velez.

Welcome to the fourth instalment of our Founder Sessions series. We're joined by David Velez, the Founder and CEO of Nubank, the leading financial technology company in Latin America.   Nubank has 5 million credit card customers, 2.5 million bank account customers and has raised $420 million from investors including Sequoia, Tencent, Tiger Global, QED, Founders Fund and more. Before founding Nubank in 2013, David was a Partner at Sequoia in charge of the firm’s Latin American investments. Before Sequoia, David worked in investment banking and growth equity at Goldman, Morgan Stanley and General Atlantic.    As always, connect with us on<a href="https://twitter.com/rebankpodcast" rel="noopener nofollow" target="_blank">Twitter</a>, <a href="https://en-gb.facebook.com/rebankpodcast/" rel="noopener nofollow" target="_blank">Facebook</a>, <a href="https://www.linkedin.com/company/rebank-banking-the-future" rel="noopener nofollow" target="_blank">LinkedIn</a> or on our website at <a href="http://www.bankingthefuture.com/" rel="noopener nofollow" target="_blank">bankingthefuture.com</a>.   If you like today's episode, please subscribe on <a href="https://itunes.apple.com/us/podcast/rebank-banking-the-future/id1145261115?mt=2" rel="noopener nofollow" target="_blank">iTunes</a>, or your podcast platform of choice, and leave us a review.   Thank you very much for joining us today. Please welcome, David Velez.

Founder Sessions - David Velez, Nubank

Robin Tombs is a serial tech entrepreneur and investor. He is the CEO and Co-Founder of Yoti, a digital identity platform enabling secure onboarding anywhere online or in-person.  Prior to Yoti, Robin co-founded Gamesys, one of the world's leading online gaming operators. He is also an angel investor in a handful of technology companies and a trustee of Future First.   Today's conversation is a fascinating glimpse into what the future of data, privacy and identity might look like.    Connect with us on Twitter @rebankpodcast or on LinkedIn, Facebook or YouTube.    If you enjoy today's episode, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.    Thanks very much for joining us today. Please welcome, Robin Tombs.

Robin Tombs is a serial tech entrepreneur and investor. He is the CEO and Co-Founder of Yoti, a digital identity platform enabling secure onboarding anywhere online or in-person. Prior to Yoti, Robin co-founded Gamesys, one of the world's leading online gaming operators. He is also an angel investor in a handful of technology companies and a trustee of Future First.   Today's conversation is a fascinating glimpse into what the future of data, privacy and identity might look like.   Connect with us on Twitter <a href="https://twitter.com/rebankpodcast" rel="noopener nofollow" target="_blank">@rebankpodcast</a> or on <a href="https://www.linkedin.com/company/rebank-banking-the-future" rel="noopener nofollow" target="_blank">LinkedIn</a>, <a href="https://en-gb.facebook.com/rebankpodcast/" rel="noopener nofollow" target="_blank">Facebook</a> or <a href="https://www.youtube.com/channel/UCNN_sFia_JauXhE8RCIwNTw" rel="noopener nofollow" target="_blank">YouTube</a>.   If you enjoy today's episode, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.   Thanks very much for joining us today. Please welcome, Robin Tombs.

Digital Identity and the Future of Privacy

Should people outside fintech care about fintech? Today, we're joined by Brad Goodall, serial entrepreneur and founder of Banked, to discuss. Open Banking is hands down one of the most relevant themes in 2018, with legislation taking effect in Europe and the UK and being replicated and expanded in countries like Australia. But so far, we've seen anything but tangible impacts from Open Banking, including products, services and new customer experiences. Why? To start with, banks dragged their feet in terms of implementation, and startups have been unable to deliver cross-platform experiences they imagined. We've also taken a narrow view of what Open Banking means and how it will be leveraged. This is where Brad comes in. Brad brings a richer perspective to Open Banking and sees it as an opportunity for much of banking to shift away from traditional financial services providers and over to consumer brands more relevant to customers. In this conversation, Brad helps us think about how much fintech actually matters to people outside fintech - and whether the industry is getting excited about the right things. Do you have a view? Join the conversation onTwitter, LinkedIn or on our website at bankingthefuture.com. If you like today's episode, please take 30 seconds to rate us on iTunes and share us with a friend. Thank you very much for joining us today. Please welcome, Brad Goodall.

Should people outside fintech care about fintech? Today, we're joined by Brad Goodall, serial entrepreneur and founder of Banked, to discuss. Open Banking is hands down one of the most relevant themes in 2018, with legislation taking effect in Europe and the UK and being replicated and expanded in countries like Australia. But so far, we've seen anything but tangible impacts from Open Banking, including products, services and new customer experiences. Why? To start with, banks dragged their feet in terms of implementation, and startups have been unable to deliver cross-platform experiences they imagined. We've also taken a narrow view of what Open Banking means and how it will be leveraged. This is where Brad comes in. Brad brings a richer perspective to Open Banking and sees it as an opportunity for much of banking to shift away from traditional financial services providers and over to consumer brands more relevant to customers. In this conversation, Brad helps us think about how much fintech actually matters to people outside fintech - and whether the industry is getting excited about the right things. Do you have a view? Join the conversation on<a href="https://twitter.com/rebankpodcast" rel="noopener nofollow" target="_blank">Twitter</a>, <a href="https://www.linkedin.com/company/rebank-banking-the-future" rel="noopener nofollow" target="_blank">LinkedIn</a> or on our website at <a href="http://www.bankingthefuture.com/" rel="noopener nofollow" target="_blank">bankingthefuture.com</a>. If you like today's episode, please take 30 seconds to rate us on <a href="https://itunes.apple.com/us/podcast/rebank-banking-the-future/id1145261115?mt=2" rel="noopener nofollow" target="_blank">iTunes</a> and share us with a friend. Thank you very much for joining us today. Please welcome, Brad Goodall.

Do People Outside Fintech Care About Fintech?

Magnus Larsson is the Founder and CEO of Majority, a digital bank for migrants in the US. As anyone who listens to this podcast knows, digital banks are making headlines all over the world. Some people are beginning to see the market as saturated, with seemingly dozens of offerings vying for consumer spending power. Early results suggest digital challengers are struggling to convert customers at scale or to bank them profitably. We’re extremely early in the redesign of the stagnant, centuries old retail banking industry, and we’ve yet to see much business model innovation. Majority is an early example of what I expect to be a wave of banking offerings rethinking the role banks play in people’s lives and the relevant combinations of services to deliver value around money and the experiences it enables. Magnus is a serial entrepreneur with decades of experience in telecom. Prior to launching Majority, he was the CEO of Rebtel, a digital telecommunications company serving migrants in Europe. Magnus brings deep insight into the challenges faced by migrants, including but extending well beyond access to financial services. Majority’s launch proposition includes free banking, international calling and remittances all for a low monthly subscription. Banks have been subsidizing checking accounts with lending and fee-generating products for decades. Majority is doing the same with intrinsically linked ancillary services that reinforce community around its offering. For all of our past episodes, and to subscribe to our newsletter, please visit www.bankingthefuture.com. Thank you very much for joining us today. Please welcome, Magnus Larsson.

Magnus Larsson is the Founder and CEO of Majority, a digital bank for migrants in the US. As anyone who listens to this podcast knows, digital banks are making headlines all over the world. Some people are beginning to see the market as saturated, with seemingly dozens of offerings vying for consumer spending power. Early results suggest digital challengers are struggling to convert customers at scale or to bank them profitably. We’re extremely early in the redesign of the stagnant, centuries old retail banking industry, and we’ve yet to see much business model innovation. Majority is an early example of what I expect to be a wave of banking offerings rethinking the role banks play in people’s lives and the relevant combinations of services to deliver value around money and the experiences it enables. Magnus is a serial entrepreneur with decades of experience in telecom. Prior to launching Majority, he was the CEO of Rebtel, a digital telecommunications company serving migrants in Europe. Magnus brings deep insight into the challenges faced by migrants, including but extending well beyond access to financial services. Majority’s launch proposition includes free banking, international calling and remittances all for a low monthly subscription. Banks have been subsidizing checking accounts with lending and fee-generating products for decades. Majority is doing the same with intrinsically linked ancillary services that reinforce community around its offering. For all of our past episodes, and to subscribe to our newsletter, please visit <a href="http://www.bankingthefuture.com." rel="nofollow" target="_blank">www.bankingthefuture.com.</a> Thank you very much for joining us today. Please welcome, Magnus Larsson.

Rethinking the Banking Product Set with Majority

Ron Suber

Ron Suber is the former head of Prosper, one of the original peer-to-peer lenders.     Prior to getting involved in Prosper, Ron built and sold Merlin, a tech-first prime broker for the long-tail of hedge funds,  acquired by Wells Fargo in 2012.    Ron invests in and advises a number of fintech companies and has developed views on the space and where it’s headed, all of which we get into today.   In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.    Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.     For more information about our services, please visit www.bankingthefuture.com.     Thank you very much for joining us today. Please welcome, Ron Suber.

<a href="https://www.linkedin.com/in/ronsuber" rel="nofollow" target="_blank">Ron Suber</a> is the former head of <a href="https://www.prosper.com/" rel="nofollow" target="_blank">Prosper</a>, one of the original peer-to-peer lenders.   Prior to getting involved in Prosper, Ron built and sold Merlin, a tech-first prime broker for the long-tail of hedge funds, <a href="https://www.reuters.com/article/us-wellsfargo-merlin/wells-fargo-buying-prime-brokerage-firm-merlin-idUSBRE83Q0PP20120427" rel="nofollow" target="_blank"> acquired by Wells Fargo in 2012</a>.   Ron invests in and advises a number of fintech companies and has developed views on the space and where it’s headed, all of which we get into today.   In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.   Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.   For more information about our services, please visit <a href="http://www.bankingthefuture.com/advisory" rel="nofollow" target="_blank">www.bankingthefuture.com</a>.   Thank you very much for joining us today. Please welcome, Ron Suber.

The Golden Age of Fintech with Ron Suber

Tom Blomfield is the co-founder and CEO of Monzo, one of Europe's leading digital banks.   For Tom's full backstory, check out Rebank Episode 17, when we first connected with him.   In today's conversation, we discuss Monzo's recent milestones, future plans and much more.   If you're a regular listener, please take two minutes to rate and review Rebank on iTunes or your go-to podcast platform. It really helps drive traffic.   Thank you very much for joining us today. Please enjoy today's episode with Tom Blomfield.

<a href="https://uk.linkedin.com/in/tomblomfield" rel="nofollow" target="_blank">Tom Blomfield</a> is the co-founder and CEO of <a href="https://monzo.com/" rel="nofollow" target="_blank">Monzo</a>, one of Europe's leading digital banks.   For Tom's full backstory, check out <a href="https://bankingthefuture.com/episode-17-is-monzo-the-future-of-banking/" rel="nofollow" target="_blank">Rebank Episode 17</a>, when we first connected with him.   In today's conversation, we discuss Monzo's recent milestones, future plans and much more.   If you're a regular listener, please take two minutes to <a href="http://itunes.apple.com/gb/podcast/rebank-banking-the-future-fintech-podcast/id1145261115" rel="nofollow" target="_blank">rate and review Rebank on iTunes</a> or your go-to podcast platform. It really helps drive traffic.   Thank you very much for joining us today. Please enjoy today's episode with Tom Blomfield.

How Monzo May Change Banking Forever

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.

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 <a href="http://bankingthefuture.com" rel="nofollow" target="_blank">bankingthefuture.com</a>.   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.

Open Banking with Starling Bank

Hello and welcome to Rebank. I'm your host, Will Beeson.  This is part one of a two-part episode.   We recently participated in an event with PIMFA, the UK Personal Investment Management and Financial Advice Association, on the subject of Millennials and Financial Services, as part of a research project they're undertaking.   The research looks at how people in their 20s and early-30s think about life, work and the future, and how that influences their financial decisions.   We spoke with a range of guests at and around the event, ranging from incumbent investment managers to fintech startups to millennials themselves and stitched those conversations together into this two-part episode.   In part one, we'll hear from PIMFA's CEO, Liz Field, and Head of Research, Gary Sunderland, as well as Sally Allan, Chief Marketing Officer of Wealthify, a roboadvisor, and Ellie Duncan, Deputy Content Editor at FT Adviser.   In part two of the episode, which we'll release in the coming weeks, we'll hear from Nina Mohanty, Business Development at fintech marketplace platform Bud, and Sophie Winwood, formerly of Innovate Finance and soon to be with Anthemis, a Venture Capital firm, for a deeper dive into the way Millennials themselves think about life, work and money.   A huge thanks to PIMFA for coordinating the event and facilitating our involvement.   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, Liz Field, Gary Sunderland, Sally Allan and Ellie Duncan.

Hello and welcome to Rebank. I'm your host, Will Beeson. This is part one of a two-part episode.   We recently participated in an event with <a href="https://www.pimfa.co.uk/" rel="noopener nofollow" target="_blank">PIMFA</a>, the UK Personal Investment Management and Financial Advice Association, on the subject of Millennials and Financial Services, as part of a research project they're undertaking.   The research looks at how people in their 20s and early-30s think about life, work and the future, and how that influences their financial decisions.   We spoke with a range of guests at and around the event, ranging from incumbent investment managers to fintech startups to millennials themselves and stitched those conversations together into this two-part episode.   In part one, we'll hear from PIMFA's CEO, <a href="https://uk.linkedin.com/in/liz-field-3956221" rel="noopener nofollow" target="_blank">Liz Field</a>, and Head of Research, <a href="https://www.linkedin.com/in/gary-s-6614917/" rel="noopener nofollow" target="_blank">Gary Sunderland</a>, as well as <a href="https://uk.linkedin.com/in/sally-allan-a166316" rel="noopener nofollow" target="_blank">Sally Allan</a>, Chief Marketing Officer of <a href="https://www.wealthify.com/" rel="noopener nofollow" target="_blank">Wealthify</a>, a roboadvisor, and <a href="https://www.ftadviser.com/ellie-duncan/" rel="noopener nofollow" target="_blank">Ellie Duncan</a>, Deputy Content Editor at <a href="https://www.ftadviser.com/" rel="noopener nofollow" target="_blank">FT Adviser</a>.   In part two of the episode, which we'll release in the coming weeks, we'll hear from <a href="https://uk.linkedin.com/in/ninamohanty" rel="noopener nofollow" target="_blank">Nina Mohanty</a>, Business Development at fintech marketplace platform <a href="https://thisisbud.com/" rel="noopener nofollow" target="_blank">Bud</a>, and <a href="https://www.linkedin.com/in/sophie-winwood-92526241/" rel="noopener nofollow" target="_blank">Sophie Winwood</a>, formerly of <a href="https://www.innovatefinance.com/" rel="noopener nofollow" target="_blank">Innovate Finance</a> and soon to be with <a href="https://www.anthemis.com/" rel="noopener nofollow" target="_blank">Anthemis</a>, a Venture Capital firm, for a deeper dive into the way Millennials themselves think about life, work and money.   A huge thanks to PIMFA for coordinating the event and facilitating our involvement.   As always, connect with us on <a href="https://twitter.com/rebankpodcast" rel="noopener nofollow" target="_blank">Twitter</a>, <a href="https://en-gb.facebook.com/rebankpodcast/" rel="noopener nofollow" target="_blank">Facebook</a>, <a href="https://www.linkedin.com/company/rebank-banking-the-future" rel="noopener nofollow" target="_blank">LinkedIn</a> or on our website at <a href="http://www.bankingthefuture.com/" rel="noopener nofollow" target="_blank">bankingthefuture.com</a>.   If you like today's show, please subscribe on <a href="https://itunes.apple.com/us/podcast/rebank-banking-the-future/id1145261115?mt=2" rel="noopener nofollow" target="_blank">iTunes</a>, or your podcast platform of choice, and leave us a review. Thank you very much for joining us today. Please welcome, Liz Field, Gary Sunderland, Sally Allan and Ellie Duncan.

Millennials and Financial Services, Part 1

Lex Sokolin

Today we’re joined by Lex Sokolin, head of Autonomous Next, the disruptive technologies arm of research firm Autonomous.    Topics of conversation today include Amazon vs Google vs Facebook for financial services disruption, the shortcomings of open banking and what the past few months in crypto tell us about what’s next.    In the conversation, we make reference to the newsletter Lex writes and to his recently published crypto report, both which you can find at next.autonomous.com.    Let us know what you think of today’s episode @rebankpodcast on Twitter or in the comments section on the website.    Thank you very much for joining us today, please welcome, Lex Sokolin.

Today we’re joined by <a href="https://www.linkedin.com/in/alexeysokolin" rel="nofollow" target="_blank">Lex Sokolin</a>, head of <a href="https://next.autonomous.com/" rel="nofollow" target="_blank">Autonomous Next</a>, the disruptive technologies arm of research firm <a href="https://www.autonomous.com/" rel="nofollow" target="_blank">Autonomous</a>.    Topics of conversation today include Amazon vs Google vs Facebook for financial services disruption, the shortcomings of open banking and what the past few months in crypto tell us about what’s next.    In the conversation, we make reference to the newsletter Lex writes and to his recently published crypto report, both which you can find at <a href="http://next.autonomous.com" rel="nofollow" target="_blank">next.autonomous.com</a>.    Let us know what you think of today’s episode <a href="https://twitter.com/rebankpodcast" rel="nofollow" target="_blank">@rebankpodcast</a> on Twitter or in the comments section on the website.    Thank you very much for joining us today, please welcome, Lex Sokolin.

Big Tech, Open Banking and Crypto with Lex Sokolin

Seth Rosenberg focuses on fintech at Greylock, one of Silicon Valley’s most storied venture firms, with noteworthy investments including LinkedIn, Facebook, Airbnb and many more. In this conversation, we talk through Greylock’s fintech thesis, Seth’s view of where the industry is going and the way the firm looks at investments in general. We reference a deck Greylock published, accessible  here. In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates. Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy. For more information about our services, please visit www.bankingthefuture.com. Thank you very much for joining us today. Please welcome, Seth Rosenberg.

<a href="https://www.linkedin.com/in/sethgrosenberg/" rel="nofollow" target="_blank">Seth Rosenberg</a> focuses on fintech at <a href="https://en.wikipedia.org/wiki/Greylock_Partners" rel="nofollow" target="_blank">Greylock</a>, one of Silicon Valley’s most storied venture firms, with noteworthy investments including LinkedIn, Facebook, Airbnb and many more. In this conversation, we talk through Greylock’s fintech thesis, Seth’s view of where the industry is going and the way the firm looks at investments in general. We reference a deck Greylock published, accessible <a href="https://news.greylock.com/first-principles-of-investing-in-fintech-50dd10d437dd" rel="nofollow" target="_blank"> here</a>. In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates. Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy. For more information about our services, please visit <a href="http://www.bankingthefuture.com/advisory" rel="nofollow" target="_blank">www.bankingthefuture.com</a>. Thank you very much for joining us today. Please welcome, Seth Rosenberg.

Using First Principles to Identify Outliers in Fintech with Greylock

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.

An Update from Crypto Land

Sam Maule

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.

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 <a href="http://bankingthefuture.com" rel="nofollow" target="_blank">bankingthefuture.com</a>.   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.

The State of the Union with Sam Maule

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're joined by two excellent guests to discuss recent developments and new opportunities in emerging markets fintech.   <a href="https://uk.linkedin.com/in/ameya-upadhyay-b185ab16" rel="nofollow" target="_blank">Ameya Upadhyay</a> is a Principal at <a href="https://www.omidyar.com" rel="nofollow" target="_blank">Omidyar</a>, an impact fund that has deployed over $1.3bn over the past 10 years. <a href="https://uk.linkedin.com/in/asad-naqvi-16217a" rel="nofollow" target="_blank">Asad Naqvi</a> is Managing Director of <a href="apis.pe/" rel="nofollow" target="_blank">Apis</a>, a growth stage private equity fund focused on Emerging Markets. We originally connected with Ameya in <a href="https://bankingthefuture.com/omidyar-network-fintech-financial-inclusion-social-impact/" rel="nofollow" target="_blank"> Episode 39</a> in May 2017. If you like today's episode, check that one out too at <a href="http://www.bankingthefuture.com" rel="nofollow" target="_blank">www.bankingthefuture.com</a>. 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 <a href="https://twitter.com/rebankpodcast" rel="noopener nofollow" target="_blank">Twitter</a>, <a href="https://en-gb.facebook.com/rebankpodcast/" rel="noopener nofollow" target="_blank">Facebook</a>, <a href="https://www.linkedin.com/company/rebank-banking-the-future" rel="noopener nofollow" target="_blank">LinkedIn</a> or on our website at <a href="http://www.bankingthefuture.com/" rel="noopener nofollow" target="_blank">bankingthefuture.com</a>.   If you like today's show, please subscribe on <a href="https://itunes.apple.com/us/podcast/rebank-banking-the-future/id1145261115?mt=2" rel="noopener nofollow" target="_blank">iTunes</a>, 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.

Fintech Opportunities in Emerging Markets

Today's topic is corporate culture: what works, what doesn't, what needs to change and how. We're joined by three extremely qualified guests to dig into this hairy topic. Duena Blomstrom is the author of Emotional Banking, a book looking at culture in banking specifically. Sharon O'Dea is the former Head of Digital Communications at Standard Chartered and current communications strategy consultant. Alessandro Hatami is the former Group Digital Director at Lloyds Bank and currently advises Tier 1 banks on digital solutions.   This conversation was a bit experimental, in terms of both format and subject. Let us know what you think of the group discussion.   I'm not sure we reached a conclusion, per se, dealing with a topic as broad as culture, but I think we surfaced some interesting considerations. What did we miss? Let us know on Twitter @rebankpodcast or in the comments section of the episode page at www.bankingthefuture.com/culture.   Thank you very much for joining us today. Please welcome, Duena Blomstrom, Sharon O'Dea and Alessandro Hatami.

Today's topic is corporate culture: what works, what doesn't, what needs to change and how. We're joined by three extremely qualified guests to dig into this hairy topic. <a href="https://www.linkedin.com/in/duenablomstrom/" rel="nofollow" target="_blank">Duena Blomstrom</a> is the author of <a href="https://www.palgrave.com/us/book/9783319756523" rel="nofollow" target="_blank">Emotional Banking</a>, a book looking at culture in banking specifically. <a href="https://www.linkedin.com/in/sharonodea/" rel="nofollow" target="_blank">Sharon O'Dea</a> is the former Head of Digital Communications at <a href="https://www.sc.com/en/" rel="nofollow" target="_blank">Standard Chartered</a> and current communications strategy consultant. <a href="https://www.linkedin.com/in/aehatami/" rel="nofollow" target="_blank">Alessandro Hatami</a> is the former Group Digital Director at <a href="http://www.lloydsbankinggroup.com/" rel="nofollow" target="_blank">Lloyds Bank</a> and currently advises Tier 1 banks on digital solutions.   This conversation was a bit experimental, in terms of both format and subject. Let us know what you think of the group discussion.   I'm not sure we reached a conclusion, per se, dealing with a topic as broad as culture, but I think we surfaced some interesting considerations. What did we miss? Let us know on Twitter <a href="https://twitter.com/rebankpodcast" rel="nofollow" target="_blank">@rebankpodcast</a> or in the comments section of the episode page at <a href="http://www.bankingthefuture.com/culture" rel="nofollow" target="_blank">www.bankingthefuture.com/culture</a>.   Thank you very much for joining us today. Please welcome, Duena Blomstrom, Sharon O'Dea and Alessandro Hatami.

Is Culture a Problem in Banking?

Anthony Thomson

Anytime I find myself thinking how much progress has been made in digital banking over the past 6 or so years, I stop to consider how much further we'll go from here. It feels like so much has happened since the paradigm shift brought about by the iPhone and the global banking crisis of 2008. No one knows that better than Anthony Thomson. Anthony is by any measure one of the most prolific banking innovators of the past decade. Anthony is the Co-Founder and former Chairman of Metro Bank and Founder and former Chairman of Atom Bank. As if that weren't enough, he's now the Co-Founder and Chairman of 86 400, a new digital bank in Australia. Over the course of his career, Anthony has raised close to a $1 billion (and counting) in investment and helped shape the current global banking landscape. What are the most important problems banking and fintech can solve? Are we thinking enough about the deepest customer needs or just iterating within existing financial services verticals? Let us know what you think on Twitter @rebankpodcast. If you enjoy today's episode, please take 30 seconds to leave us a review on iTunes. Thank you very much for joining us today. Please welcome, Anthony Thomson.

Anytime I find myself thinking how much progress has been made in digital banking over the past 6 or so years, I stop to consider how much further we'll go from here. It feels like so much has happened since the paradigm shift brought about by the iPhone and the global banking crisis of 2008. No one knows that better than <a href="https://www.linkedin.com/in/anthony-thomson-55373531/" rel="nofollow" target="_blank">Anthony Thomson</a>. Anthony is by any measure one of the most prolific banking innovators of the past decade. Anthony is the Co-Founder and former Chairman of <a href="https://en.wikipedia.org/wiki/Metro_Bank_(United_Kingdom)" rel="nofollow" target="_blank">Metro Bank</a> and Founder and former Chairman of <a href="https://en.wikipedia.org/wiki/Atom_Bank" rel="nofollow" target="_blank">Atom Bank</a>. As if that weren't enough, he's now the Co-Founder and Chairman of <a href="https://www.86400.com.au" rel="nofollow" target="_blank">86 400</a>, a new digital bank in Australia. Over the course of his career, Anthony has raised close to a $1 billion (and counting) in investment and helped shape the current global banking landscape. What are the most important problems banking and fintech can solve? Are we thinking enough about the deepest customer needs or just iterating within existing financial services verticals? Let us know what you think on Twitter <a href="https://twitter.com/rebankpodcast" rel="nofollow" target="_blank">@rebankpodcast</a>. If you enjoy today's episode, please take 30 seconds to leave us a review on <a href="https://itunes.apple.com/gb/podcast/rebank-banking-the-future-fintech-podcast/id1145261115" rel="nofollow" target="_blank">iTunes</a>. Thank you very much for joining us today. Please welcome, Anthony Thomson.

The Continued Evolution of Banking with Anthony Thomson

Jason Bates

This week, we're joined by Jason Bates, co-founder of 11:FS and the bank formerly known as Mondo. Banking is becoming digital. In the UK, four digital-only retail banks are poised for roll-out, and the trend extends to Europe, the US, Canada, and much of the rest of the world. Jason has extensive experience in digital transformation in banking, including co-founding not one but two digital challenger banks, Mondo and Starling. Join us for a deep dive into the problems digital banks are trying to solve and where banking is likely to go from here.

This week, we're joined by Jason Bates, co-founder of 11:FS and the bank formerly known as Mondo. Banking is becoming digital. In the UK, four digital-only retail banks are poised for roll-out, and the trend extends to Europe, the US, Canada, and much of the rest of the world. Jason has extensive experience in digital transformation in banking, including co-founding not one but two digital challenger banks, Mondo and Starling. Join us for a deep dive into the problems digital banks are trying to solve and where banking is likely to go from here.

The Digital Banking Revolution with Jason Bates, Co-Founder of 11:FS and Mondo

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.

<a href="https://uk.linkedin.com/in/amanghei" rel="nofollow" target="_blank">Aman Ghei</a> is a Principal at <a href="https://finchcapital.com" rel="nofollow" target="_blank">Finch Capital</a>, a Venture Capital firm with offices in London, Amsterdam and Singapore.    <a href="https://uk.linkedin.com/in/nigelverdon" rel="nofollow" target="_blank">Nigel Verdon</a> is the Co-Founder and CEO of <a href="https://www.railsbank.com" rel="nofollow" target="_blank">Railsbank</a>, 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 <a href="https://twitter.com/rebankpodcast" rel="nofollow" target="_blank">Twitter</a>, <a href="https://en-gb.facebook.com/rebankpodcast/" rel="nofollow" target="_blank">Facebook</a>, <a href="https://www.linkedin.com/company/rebank-banking-the-future" rel="nofollow" target="_blank">LinkedIn</a> or on our website at <a href="http://www.bankingthefuture.com/" rel="nofollow" target="_blank">bankingthefuture.com</a>.   If you like today's show, please subscribe on <a href="https://itunes.apple.com/us/podcast/rebank-banking-the-future/id1145261115?mt=2" rel="nofollow" target="_blank">iTunes</a>, 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.

Platform Banking and Other Fintech Trends

Richard Gendal Brown is the CTO of R3, an enterprise blockchain company backed by a number of high profile strategic investors. R3 has been working on its Corda platform since the early days of blockchain mania and is now actively supporting projects and implementations in syndicated lending, trade settlement, supply chain management and more. In this conversation, Richard reconciles the early hype around blockchain with the current meaningful real world implementations and describes where early adopters are planning to take the technology. For all of our past episodes, and to sign up to our newsletter, please visit www.bankingthefuture.com Thank you very much for joining us today. Please welcome, Richard Gendal Brown.

<a href="https://www.linkedin.com/in/gendal/" rel="nofollow" target="_blank">Richard Gendal Brown</a> is the CTO of <a href="https://www.r3.com/" rel="nofollow" target="_blank">R3</a>, an enterprise blockchain company backed by a number of high profile strategic investors. R3 has been working on its <a href="https://www.corda.net/" rel="nofollow" target="_blank">Corda</a> platform since the early days of blockchain mania and is now actively supporting projects and implementations in syndicated lending, trade settlement, supply chain management and more. In this conversation, Richard reconciles the early hype around blockchain with the current meaningful real world implementations and describes where early adopters are planning to take the technology. For all of our past episodes, and to sign up to our newsletter, please visit <a href="http://www.bankingthefuture.com/advisory" rel="nofollow" target="_blank">www.bankingthefuture.com</a> Thank you very much for joining us today. Please welcome, Richard Gendal Brown.

Real World Blockchain Implementations with R3

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