Bank to the future with Chris Titley

Peter Hammond, Co-founder of Exto and B3v joins the Bank to the Future podcast to talk all things market places, fintechs and blockchain. Peter has a rich history of investing in emerging technology companies in Australia including investing in every round and being a long term supporter of ASX listed Airtasker. Peter talks about the history of Exto as well as their new venture B3v focusing on blockchain applications and how and why they are excited about the sector.

Chloe White from Genesis Block is the latest guest on the Bank to the Future Podcast. Genesis Block delivers deep insight, guidance, and strategy in financial market regulation, policy development, and crypto-asset market analysis.Chloe was responsible for driving the Commonwealth Government’s five year plan to grow the blockchain sector. In this role, Chloe succeeded in delivering seven programs to support startups and promote blockchain technology. Choe talks about the blockchain use, crypto currencies, government regulation, influencers as well as why she is excited about the future.Check out more from Morgans:Visit the Morgans website: www.morgans.com.auCheck out our blog: www.morgans.com.au/BlogOn Facebook: www.facebook.com/MorgansAUOn Instagram: www.instagram.com/Morgans.AustraliaOn Twitter: twitter.com/MorgansAU#Blockchain #Cryptocurrencies #Markets #CWB

Bernard Wilson, CEO of ASX Listed Cashrewards is today’s guest on the Bank to the Future Podcast series. Bernard talks about the Cashrewards platform, the transformational partnership with ANZ, the importance of education around the product as well as what he is most excited about moving forward. Cashrewards is a 7 years old business but has been listed for less than a year.Check out more from Morgans:Visit the Morgans website: www.morgans.com.auCheck out our blog: www.morgans.com.au/BlogOn Facebook: www.facebook.com/MorgansAUOn Instagram: www.instagram.com/Morgans.AustraliaOn Twitter: twitter.com/MorgansAU

Ruwan Weerasooriya, founder and CEO of ASX listed Rewardle is today’s guest on the Bank to the Future Podcast series. Ruwan talks about his journey down different paths in combining loyalty and payments with local business owners, and how, over many years this proved extremely difficult. The company has re-focused on payments and partnerships with their existing technology and clients that include a Buy Now Pay Later company, a meal kit company as well re-establishing relationships with existing clients post the COVID-19 Pandemic to assist them through this unprecedented time.Check out more from Morgans:Visit the Morgans website: www.morgans.com.auCheck out our blog: www.morgans.com.au/BlogOn Facebook: www.facebook.com/MorgansAUOn Instagram: www.instagram.com/Morgans.AustraliaOn Twitter: twitter.com/MorgansAU

Brodie Haupt from WLTH is the latest guest on the Bank to the Future podcast. Brodie tells the story of why he created WLTH , the state of fintech in Australia, their growth initiatives including some philanthropic partnerships as well as why he is most excited about the future of WLTH.Check out more from Morgans:Visit the Morgans website: www.morgans.com.auCheck out our blog: www.morgans.com.au/BlogOn Facebook: www.facebook.com/MorgansAUOn Instagram: www.instagram.com/Morgans.AustraliaOn Twitter: twitter.com/MorgansAU

Stewart White, founder of Fort Canning Asset Management is today’s guest on the Bank to the Future Podcast series. Stewart talks about why he started FCAM, how they are involved with Blockchain technology, the stable coins, the network race as well as how FCAM derive their revenue. A fascinating podcast around education on the Blockchain, Cryptocurrency, and how banks globally may respond.Check out more from Morgans:Visit the Morgans website: www.morgans.com.auCheck out our blog: www.morgans.com.au/BlogOn Facebook: www.facebook.com/MorgansAUOn Instagram: www.instagram.com/Morgans.AustraliaOn Twitter: twitter.com/MorgansAU

Carolyn Breeze, GM ANZ of GoCardless is our guest today on the Bank to the Future podcast series. Carolyn talks about her time with Ebay and BrainTree before moving to head up Australia and NZ with the UK founded GoCardless. Carolyn talks about GoCardless’s presence here in the region, the ongoing partnerships, the local fintech sector, and what she is most excited about when it comes to payments.Check out more from Morgans:Visit the Morgans website: www.morgans.com.auCheck out our blog: www.morgans.com.au/BlogOn Facebook: www.facebook.com/MorgansAUOn Instagram: www.instagram.com/Morgans.AustraliaOn Twitter: twitter.com/MorgansAU#Banking #Cashless #Fintech

Morgans adviser Chris Titley chats to Tim Poskitt from Envestnet Yodlee. Tim talks about Yodlee’s involvement within the fintech ecosystem here and in New Zealand. Tim also talks about the Buy Now Pay Later Sector, the changing views and industries within fintech as well as how Yodlee is innovating as new industries and entrepreneurs emerge.

Tom Ferrier from Greener is today’s guest on the Bank to the Future. Greener is aiming to bring greener businesses and consumers together to repair the planet.Tom deep dives into the history of Greener, coming from a corporate background as well as his plans and ambitions for the team moving forward.Check out more from Morgans:Visit the Morgans website: www.morgans.com.auCheck out our blog: www.morgans.com.au/BlogOn Facebook: www.facebook.com/MorgansAUOn Instagram: www.instagram.com/Morgans.AustraliaOn Twitter: twitter.com/MorgansAU

Leigh Travers, of ASX listed Digital X (ASX:DCC) speaks with Chris Titley about the history of the business, their involvement with Bitcoin as well a “mining 101” lesson! Leigh talks about the future of digital assets, NFT’s as well how Digital X is positioning itself in the future.Check out more from Morgans:Visit the Morgans website: www.morgans.com.auCheck out our blog: www.morgans.com.au/BlogOn Facebook: www.facebook.com/MorgansAUOn Instagram: www.instagram.com/Morgans.AustraliaOn Twitter: twitter.com/MorgansAU

In this episode of Bank to the Future- Chris Titley chats to Marc Schneider from Zebit (ASX:ZBT) . Marc deep dives in to the background of why he started Zebit. Marc talks about the 120m people that are under banked in the US and the platform Zebit has created to assist them with various retail options.Check out more from Morgans:Visit the Morgans website: www.morgans.com.auCheck out our blog: www.morgans.com.au/BlogOn Facebook: www.facebook.com/MorgansAUOn Instagram: www.instagram.com/Morgans.AustraliaOn Twitter: twitter.com/MorgansAU#Fintech #Neobanks #Innovation

In our first episode of Bank to the Future in 2021, we chat to Christian Ecklemann, Co-founder and CEO of Upstreet (recorded in December 2020). Upstreet was founded in 2019 by a passionate team of experienced professionals and entrepreneurs looking to make life better for everyday shoppers across Australia and the world. To create real alignment between major brands and everyday shoppers, Upstreet wanted to enable brands to offer real shares with every purchase. Christian talks about the journey thus far, their competitive position as well as the increasing popularity of shares as an asset class amongst millennials.Check out more from Morgans:Visit the Morgans website: www.morgans.com.auCheck out our blog: www.morgans.com.au/BlogOn Facebook: www.facebook.com/MorgansAUOn Instagram: www.instagram.com/Morgans.AustraliaOn Twitter: twitter.com/MorgansAU#Fintech #Millenials #Shares

Al Bentley, from Simply Wall Street, joins the podcast today to talk about his platform that gives investors information across over 100,000 stocks worldwide. Al talks about why he started the business, the ability to bring together data across multiple feeds and exchanges, and how education on finance/investing is a critical market.Check out more from Morgans:Visit the Morgans website: www.morgans.com.auCheck out our blog: www.morgans.com.au/BlogOn Facebook: www.facebook.com/MorgansAUOn Instagram: www.instagram.com/Morgans.AustraliaOn Twitter: twitter.com/MorgansAU#Morgans #WallStreet #SimplyWallStreet #Fintech #Tech

In today’s podcast we join Gary Rohloff, Co-founder and CEO of Laybuy (ASX:LBY) from New Zealand.Gary talks about the history of the business, the reason why he and his family started it, and the traction thus far in the areas they participate in, being NZ, AUS, and the UK. Gary also talks about the BNPL sector in general.Check out more from Morgans:Visit the Morgans website: www.morgans.com.auCheck out our blog: www.morgans.com.au/BlogOn Facebook: www.facebook.com/MorgansAUOn Instagram: www.instagram.com/morgans.australiaOn Twitter: twitter.com/morgansAU#Morgans #LBY #Laybuy #BNPL

In episode 33 of Bank to the future, we sit down with Scott Eddington, MD – APAC at WorldRemit. Scott walks us through the history and origins of WorldRemit and how they are building out a presence here in Australia and the Asia Pacific. Scott also talks about their product suite, the reasons and purposes on why they exist, and some high-level data on how important remittance is on various levels. Scott also talks about 2020 and the year that was and some common trends.

Today’s bank to the future podcast is with Steve Lapin of ASX listed Zebit (ASX Code: ZBT). Zebit plays within the Buy Now Pay Later predominately in the US. Zebit is targeting a different model within the sector aiming to service those that have or can’t be serviced by other providers and or the banks. Steve also delves into 2020 – and how there are some clear trends that have formed as well as their response internally and with their customers.

Today’s episode is with Charlie Youakim from Sezzle (ASX:SZL). Sezzle plays in the Buy Now Pay Later (BNPL) sector and Charlie goes into detail on how they are competing in what is quite a crowded market. Sezzle’s average basket size is $90 USD (smaller v peers) and the feedback from merchants has been very strong as they increase sales, volume, and basket size. Charlie also talks about 2020, the psychology of their target market, and why customers keep coming back.

Today’s episode of Bank to the Future is with Robbie Cooke from Tyro (ASX:TYR). Tyro is coming up to 12 months listed on the ASX, yet have a rich history of 17 years operating. Robbie talks about the growth they’ve seen in the last few years, the wild ride that has been 2020 as well some glimpse into the future of payments.

In this episode, we chat with Anthony Nantes, CEO of Wisr (ASX:WZR). Wisr predominantly is in the personal lending market and more recently has veered into secured vehicle financing. Wisr has seen explosive year on year growth on loan origination, and Anthony deep dives into why and how they operate as a business.

Today’s Bank to the Future Podcast was with Frank Sterle, COO of GetCapital. GetCapital is an award-winning non-bank business lender dedicated to meeting the needs of Australian businesses with the products and services they deserve. Frank goes into the history of the business, the traction thus far as well as the opportunity at large.

In today's episode, we speak with Brad Paterson, CEO of ASX Listed Splitit (SPT). Brad delves into the history of Splitit, their progress thus far, and the total addressable market. Brad also discusses his vision of transformational change during this unprecedented time.

Today's podcast is with Leigh Dunsford from Nine25. Nine25 is on a journey to help millions of Australians live happier, healthier, debt-free financial lives and provides a solution allowing early access to earned wages. Leigh talks about the balance between receiving income and bill payments and how Nine25 can assist with a number of financial wellness problems. Leigh also talks about the functionality around budgeting and the importance of being tech-led. Leigh was previously a co-founder of Waddle, which was recently acquired by Xero (ASX:XRO).

Today’s episode is with Ben Silluzio, CEO of ZayZoon Australia. ZayZoon is a pioneer in earned wage access with our flagship product Wages On-Demand. Ben talks about the mismatch between pay cycles and bill cycles, which is one of the main concerns for cash flow problems and budgeting, and how ZayZoon is assisting with their product. Ben also talks about the market opportunity, the volume of their cash flow traction they’ve received thus far, as well as some of the partners they are working with here in Australia.

Today’s episode was with Christian Westerlind Wistrom, CEO of Moonoova. Moonova allows enterprises to receive, manage, and pay large volumes of transactions (think a telco/utility) company. Christian goes into detail about how they assist companies such as Splitit (ASX:SPT) and others with innovative ways of payments, so the company can focus on their core offering. Christian also talks about the importance of partnerships within the fintech ecosystem and how they’ve seen success with a number of key partners.

Our guest this week is Tarek Ayoub from Cheq. Cheq allows people to borrow up to $200 of credit before their pay, for a small flat percentage fee. Cheq is seeing enormous growth on its platform seeing repeat business and high customer loyalty.

Today’s chat is with Ben Pfisterer, CEO, and Co-founder of Zeller. Zeller provides your business with everything you need to get paid, manage your cash flow, and access your money with an innovative, all-in-one solution. Ben, who previously was the country head of Square for 6 years, delves into detail around why they started Zeller, the progress they have made with the product offering and launch date as well as how important it is to create community and loyalty around a brand. Zeller recently raised $6.3 to fund their progress, led by Square Peg.

Rebecca James, CEO of Flexigroup (ASX:FXL) – soon to be renamed Humm, talks about the history of Buy Now Pay Later in Australia, their positioning, and rebranding to Humm as well as her views on the market size in general. Rebecca also goes into detail around how they use technology to enhance the value proposition for Humm and the use cases around installment-based products that has been led by the consumer.DISCLOSURE:Interviewer owns shares in Flexigroup (FXL).

Today’s Episode is with Mario Hasanakos, Co-founder of Spriggy. Spriggy is Australia's most loved pocket money app and card and has over 400,000 users or 2% of Australian families. Spriggy has processed over $50m of pocket money this year. Mario also chats about technology, money, education, and future trends.

Today’s Bank to the Future was with ASX Listed company Moneyme. Moneyme is primarily focused on personal loans, however, has now built out its product suite to five products across different verticals. In this podcast, we talk about their success, feedback from the customers, and satisfaction ratings, the innovative nature of the company, and the digital-first agile mindset. Morgans Corporate Limited was Joint Lead Manager & Underwriter to the Initial Public Offer of shares in MoneyMe Limited and received fees in this regard.

Today’s episode is with Ben Harrison, Chief Investment Officer of Altor Capital. Ben has many years of experience in Fintech predominantly on the consumer and business side of payments and lending. We talk about Open Banking, the trends and participants within fintech in Australia as well as some views on the current payment trends including the BNPL sector.

Episode 17 was with Stuart Houston, APAC Director of Financial Services at Google Cloud. Stuart talks about Google’s involvement with emerging financial technology companies here in Australia and how they are providing the infrastructure and other services to assist. Stuart also talks about “Banking as a Service”, the idea behind “Invisible Banking” as well as what Open Banking means to the traditional banking participants as well as some of their emerging competitors.

Episode 16 was with Jill Berry, CEO of Adatree, a company involved with Consumer Data Rights Solutions. Jill talks about Open Banking, what it is, the use cases, the industries involved, the customer experiences that can occur, as well as her background with Tyro and Volt Bank.

Episode 15 was with Damir Cuca, CEO, and Founder of Basiq. Basiq is an open banking platform enabling developers to build innovative financial solutions. Clients include Ubank, Westpac, Salesforce, NAB, Equifax, and Regional Australia Bank. Damir talks about what Open Banking is, the opportunities for entrepreneurs, the marketplace for business and personal lending as well as future banking trends, particularly around responsible lending.

Episode 14 is with Nathan Walsh, Co-founder of Athena Home Loans. Athena recently raised $70m to build out its digital non-bank lending platform focusing on residential mortgages. Athena has lent out $1.6b in only 18 months and this podcast delves into some of the reasons why their loan book is growing and some of the customer-led initiatives that have resonated very well thus far.

Episode 13 is with Andrew Moore, CEO of Spaceship. Spaceship launched in 2017 with a Superannuation product focusing on millennials and then moved into investing in 2018 with their product called “Voyager”. Andrew talks about the millennial money trends, the reasons why he joined Spaceship from a career in Banking, the views and feedback they have received from their 80,000 plus users, and the possible partnerships with Digital banks.

Episode 12 is with Tommy Mermelshtayn, Chief Strategy Officer of Zip Co (ASX:Z1P). Tommy talks about the history and evolving journey of Zip from the origins of consumer finance to the rapidly evolving Buy Now Pay Later (BNPL) sector. Zip recently announced the proposed acquisition of Quadpay in the USA to accelerate its global ambitions. Tommy also talks about the recent technological trends, the global market size for BNPL, and the retailers leading the way with the adoption of this new and exciting way to pay in-store and online.

Gerd Schenkel has had a long-serving career within financial services in Australia. He was the founder of UBank (2008) in partnership at NAB, as well as the CEO of Tyro Payments (ASX:TYR) before becoming Chair of Credit Clear. Gerd talks about what it was like to build a digital bank in 2008, his time at Tyro and the full APRA bank application process, the BNPL sector, and the view that regional banks in Australia have a golden opportunity against the traditional banks when it comes to re-inventing themselves into digital innovators.

Episode 10 is with Michael Eidel, CEO and MD of Openpay. Openpay is within the BNPL sector – a sector that has seen euphoric share price rises recently. Michael talks about where Openpay sits within the sector and the large customer wins in Bunnings and JD Sports. Michael also talks about their growth plans, their due diligence on customers, and the view that BNPL is disrupting Credit Cards.

In episode 9 of “Bank to the Future” we chat with Joseph Healy, Co-founder, and Co-CEO of Judo Bank. Judo has raised in excess of $700m since inception to grow their tech-led SME bank and to build out their team to focus on SME business banking relationships. Joseph talks about their due diligence processes, the COVID-19 pandemic, and their subsequent response, how they assess SME customers as well as their plans to continue to grow alongside businesses and to assist during tougher times.

Episode 8 of the Bank to Future Podcast series was with Zahir Khoja from Mastercard in New York. Mastercard has been prominent in partnering with many emerging technology companies, here in Australia and abroad and Zahir delves into their views, strategy, and thematics around payments, particularly the rising Buy Now Pay Later (BNPL) Sector. Mastercard has partnered locally with UP Bank, Afterpay, Bundll (Flexigroup), and Splitit amongst others. Zahir talks about the world beyond cash and the theme of being “Digital First” and how Mastercard works with innovators and empowers them to succeed.

In this episode, we chat with Michael Fredericks, Founder, and CEO of Fu. Fu is a first of its kind lifestyle management platform allowing millennials to better understand their cashflow needs. Fu has built predictive analysis over the top of its user's data, to assist with their day to day living. Fu also combines BNPL capabilities to various expenses that are required – such as groceries and household bills. Michael talks about why he built Fu, the decline in credit card usage, the need for smaller more customised credit as well as some of Fu’s future ambitions.

Alex was founded by Craig Fenwick and Simon Beitz – both formerly executives at a large Australian bank. Alex has been built around personal loans (ie a credit led offering) which is quite unique in the Australian market place. They intend to add a number of features to their platform over time – using the credit led offering as a base for generating other products and services. Simon talked about their initial capital raise and the use of funds and their plans for the future.

Episode 5 features “Volt” Bank – a pure-play digital bank co-founded by Steve Weston. Volt has a full Authorised Deposit-taking institution (ADI) license and was the first startup to do so. Steve describes some of the features of a digital bank, how Volt is using technology to empower their customers as well as some of their future plans. Morgans Financial Limited was a Participating Broker in the Volt Corporation Limited unlisted capital raising for wholesale and sophisticated investors and received fees in this regard.

Matt was formerly group CFO of BOQ (ASX:BOQ) before taking up the role as local CEO of Revolut Australia in Feb 2020. Matt talks about why Revolut is entering the Australian market, the competitive landscape within Banking here in Australia as well as some of the technological trends that are being progressed due to social distancing and the impact of COVID-19. Matt also talks about Revolut’s recent raising of $500m USD to expand its global growth.

Douugh is a digital platform allowing integration with existing bank accounts. It then uses artificial intelligence (AI) first approach to help customers live financially healthier. Douugh has deployed its stack with it’s US Banking partner “Choice Bank” and is looking to enter the Australian and Japanese market soon via new partnerships.

Morgans Adviser Chris Titley chats with Rob Bell CEO of 86400. 86400 is a digital bank offering savings and a lending product and has been operating in Australia for nearly 2 years under a full ADI. Rob discusses the idea of a digital bank and how they went about building a digital bank from scratch. He also discusses the name (86400 seconds in a day), the uptake and feedback thus far, as well the features they are continuing to roll out with their users.

Up is a digital bank in partnership with Ferocia and Bendigo Bank (ASX Code:BEN). Up was launched 18 months ago and has now grown to c250,000 users gaining somewhere between 500-1000 new users a day. Up has partnerships with Google Cloud, Mastercard, Afterpay, Transferwise and allows users to open up a fully functional bank account via their mobile phone in less than 3 minutes.