Dr Emma Black - How to Start a Bank

In this episode, I’m joined by Dr Emma Black - fintech entrepreneur, behavioural finance expert and co-founder of GB Bank and Cascade Cash Management.Emma shares the remarkable story behind launching one of the UK’s newest challenger banks, from spotting a regional funding gap to raising capital, navigating regulation and building a bank through lockdown. We explore the realities of entrepreneurship, leadership under pressure and what it really takes to turn a bold idea into a regulated financial institution.We also dive into Emma’s background in behavioural finance, the psychology behind financial decision-making and why access to capital remains one of the biggest challenges facing the regions today.Along the way, Emma reflects on:- The founding story of GB Bank- Building culture during rapid growth- Leadership lessons from elite sport and family influence- Raising capital with purpose-led storytelling- The importance of resilience, conviction and long-term thinking- Why financial education and inclusion matter more than everThis is a conversation about ambition, belief, legacy and creating meaningful impact through financial services.A brilliant episode for anyone interested in leadership, entrepreneurship, challenger banking, behavioural finance and building businesses that genuinely make a difference.Leadership Perspectives in Financial Services is produced by Urban Podcasts.