PODCAST · business
Dave and Dharm DeMystify
by Dave and Dharm DeMystify Fintech
A unique perspective of Fintech formed through decades of designing and delivering online financial services.
Episodes
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Demystifying Agentic Commerce & the Future of Digital Trust with Lionel Grosclaude
In this week's episode, Dave and Dharm are joined by Lionel Grosclaude, CEO of Fime, to explore what happens when artificial intelligence moves beyond helping us make decisions and starts making purchases and payments on our behalf. As AI agents become increasingly autonomous, a fundamental...
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Demystifying AI Regulation, Innovation & the Future of Financial Services with Colin Payne
In this week's episode, Dave and Dharm are joined by Colin Payne, Head of Innovation at the Financial Conduct Authority (FCA) and Chair of the Global Financial Innovation Network (GFIN), to explore how regulators are adapting to one of the fastest periods of technological change the financial...
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SPECIAL EPISODE: Demystifying The Intelligent Ledge with Dharmesh Mistry and Lou Carlozo
In this special episode, Dave is joined by Dharmesh Mistry and Lou Carlozo to explore the ideas behind Dharmesh's upcoming book, The Intelligent Ledger, and why the convergence of AI, tokenisation, digital twins and quantum computing could fundamentally reshape banking. Drawing on decades of...
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EP 165: Demystifying Programmable Banking with Rob Rooney and Paul Rolles
In this week's episode, Dharm is joined by Rob Rooney, Co-founder and CEO of Hyperlayer, and **Paul Rolles, Co-founder and Chief Architect, to explore why banking innovation has stalled, and how a new approach to programmable banking could unlock the next generation of financial products. Drawing...
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EP 164: Demystifying Interoperability & Open Payments with Briana Marbury
In this week's episode, Dharm is joined by Briana Marbury, CEO of the Interledger Foundation, to explore one of the biggest challenges in global finance today: creating truly interoperable payments that work seamlessly across banks, payment networks, and borders. Drawing on her background in...
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EP 163: Demystifying Core Banking Modernisation, AI, and the Future of Payments
In this week's episode, Dharm is joined by Leonardo Collado, Global General Manager of Pismo at Visa, to explore how modern core banking infrastructure is becoming the foundation for the next generation of financial services. Drawing on more than 30 years of experience in payments, Leonardo...
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EP 162: Demystifying Tokenisation, Digital Currencies, and the Future of Payments
In this week's episode, Dave and Dharm are joined by Arjeh van Oijen, Product Strategy Lead at Icon Solutions, to explore one of the most talked-about topics in financial services today: tokenisation and the future of digital payments. Drawing on more than 35 years of experience in payments and...
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EP 161: Demystifying Asset Finance, Building Societies, and the Future of Banking Technology
In this episode, Dharm sits down with Eric Bierry, CEO of SBS, to explore two often-overlooked areas of financial services: asset finance and the future of building societies. Drawing on decades of experience in banking technology, Eric shares his insights into how these sectors are adapting to...
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EP 160: Demystifying Cross-Border Payments, Tokenisation, and the Future of Global Banking
In this episode, Dharm sits down with Michael Boel, Head of Clearing Technology at Banking Circle, to explore why moving money around the world remains slower, more expensive, and more complex than many people realise. Drawing on more than 15 years of experience across banking, capital markets…
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EP 159: Demystifying Trust, AI Agents, and the Future of Digital Commerce with G2A
In this week’s episode, Dave is joined by Bartosz Skwarczek, Founder and Chairman of G2A, for a fascinating conversation about trust, artificial intelligence, and how digital marketplaces are preparing for the next era of online commerce. Bartosz shares the story behind G2A’s growth from a small...
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EP 158: Demystifying AI Adoption, Culture, and Transformation with SynthWise
In this week’s episode, Dave and Dharm are joined by Ben Sheedy, co-founder of SynthWise, for a fascinating conversation about one of the biggest challenges facing businesses today: not whether to adopt AI, but how to do it successfully. Ben shares the story behind SynthWise and how his own...
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EP 157: Demystifying Super Apps, Hyper-Personalisation & the Future of Banking with Freedom Bank
In this week’s episode, Dave is joined by Vyacheslav Kim, CEO of the Freedom Super App and Managing Director at Freedom Bank, for a fascinating conversation about how super apps are reshaping banking by integrating financial services with everyday lifestyle experiences. Vyacheslav shares the…
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EP 156: Demystifying Personalisation, Neurodiversity & Financial Inclusion with Coracle
In this week’s episode, Dave and Dharm are joined by James Tweed from Coracle for a fascinating conversation that sits at the intersection of education, technology, and financial services, and challenges how we think about inclusion in a digital world. Coracle is an EdTech company delivering...
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EP 155: Demystifying Vibe Coding and AI Development with Sergio Gago
Hosts Dave and Dharmesh explore how AI-powered “vibe coding,” autonomous agents, and real-time software creation are reshaping the future of development with Sergio Gago, CTO of Cloudera. Sergio, a former leader at Moody’s and now CTO at Cloudera, is at the forefront of AI-driven data platforms.…
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EP 154: AI’s Impact on Economies, Governments, and Society with Moody’s Ratings
In this week’s episode, Dave is joined by Marie Diron, Global Head of Sovereign Ratings at Moody’s Ratings, for a fascinating conversation about how artificial intelligence could transform economies at a national level, far beyond its impact on companies and individuals. Marie shares insights…
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EP 153: How AI could transform UK mortgages and community banking with Finova
Hosts Dave and Dharmesh explore how artificial intelligence, later-life lending, and turnkey core platforms are reshaping the future of UK financial services with Gareth Richardson, Finova's CEO. In this week’s episode of the Demystify Podcast, Dave and Dharmesh are joined by Gareth Richardson…
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EP 152: Demystifying how Commody is fractionalising the collector car market with Vilius Oškeliūnas
In this week’s episode of the Demystify Podcast, Dave and Dharmesh sit down with Vilius Oškeliūnas, wealth manager and co-founder of Commody, for a fascinating discussion about the intersection of traditional finance, blockchain infrastructure, and petrolhead passion. Vilius shares how Commody…
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EP 151: Demystifying why AI is forcing a rethink of wealth management with Alpheya
Hosts Dave and Dharmesh are joined by Roger Rouhana, co-founder and CEO of Alpheya, to explore how artificial intelligence is reshaping wealth and trading infrastructure. In this week’s episode of the Demystify Podcast, Dave and Dharmesh sit down with Roger Rouhana, co-founder and CEO of Alpheya,...
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EP 150: DEMYSTIFYING AI-NATIVE CORE BANKING WITH SLAVO VOJACEK & RICKY MARCON OF OPENCOREOS
This week Dave sits down with Slavo Vojacek and Ricky Marcon, co-founders of OpenCoreOS, for a frank conversation about what “core banking” needs to become in an AI-native world. Slavo (a distributed-systems engineer turned core-banking specialist) and Ricky (a product and business-builder with...
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EP 149: FROM BOARDROOM TO BREACH: DEMYSTIFYING CYBERSECURITY FOR LEADERS
In this episode, Dave and Dharm are joined by Alice Violet, founder of Alice Violet Creative and host of the Cyber Made Human podcast, for a wide-ranging and refreshingly human conversation about the current state of cybersecurity. Based in the heart of the UK’s cybersecurity ecosystem in...
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EP 148: DEMYSTIFYING HUSPY CURRENT STATE OF PLAY WITH ZIAD NASSAR
In this episode, Dave and Dharm welcome back Ziad Nassar, Deputy CEO of Huspy, one year after his first appearance on the show. And what a difference a year makes. Ziad shares how Huspy has evolved from a UAE-based mortgage innovator into one of the fastest-scaling proptechs in EMEA, now active...
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EP 146: DEMYSTIFYING BANKING EVOLUTION BEYOND LEGACY FOUNDATIONS WITH BEN GOLDIN OF PLUMERY
In this episode, Dave and Dharm sit down with Ben Goldin, CEO and Founder of Plumery, to explore how digital banking needs to evolve beyond its legacy foundations. With more than two decades in banking technology — including senior roles at Mambu and Backbase — Ben shares his deep insights into...
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EP 145: DEMYSTIFYING 30 YEARS OF HPS WITH CEO ABDESLAM ALAOUI
In this special 30th-anniversary episode, Dave is joined by Abdeslam Alaoui, co-founder and CEO of HPS, to reflect on three decades of transformation in payments and digital finance. He shares how HPS has evolved from a regional firm into a global powerhouse, quietly powering everyday…
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EP 144: DEMYSTIFYING MOODY'S GENAI STRATEGY WITH CRISTINA PIERETTI
In this episode, Dave and Dharm sit down with Cristina Pieretti, Head of Digital Content and Innovation at Moody’s, to explore how one of the world’s most data-driven organisations is reimagining itself through Generative AI. Cristina reveals how Moody’s moved rapidly from early experiments to...
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EP 143: DEMYSTIFYING HOW AI NATIVE BUSINESSES WILL USE FACTS WITH NEAL MANN CEO OF NOAN
In this episode of the Dave and Dharm Demystify show, Dave Wallace sits down with Neal Mann, co-founder of Noan, a platform pioneering the creation of a “facts layer” for AI-native businesses. Neal draws on years of experience working with the C-suite at global corporations to reveal the hidden...
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EP 142: DEMYSTIFYING AI AND THE FUTURE OF ADVICE WITH HELENA WARDLE FOUNDER MONEY MEANS
In this episode of Dave and Dharm Demystify, the 2 D's sit down with Helena Wardle, a Chartered Financial Planner and founder of the fintech Money Means, to explore how technology is transforming financial advice. Helena explains her motivation for building AIDA, an AI-powered digital advisor...
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EP 141: DEMYSTIFYING THE STATE OF CRYPTO WITH STEPHANIE EMILE OF BINANCE
Dave and Dharmesh are joined by Stephanie Emile, General Manager of Binance FZE based out of the UAE, to demystify the evolving world of crypto, regulation, and adoption. Stephanie shares her journey of building Binance’s regulated home in Dubai, where the Virtual Assets Regulatory Authority…
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EP 140: DEMYSTIFYING MCP SERVERS WITH DAVID JARVIS CEO OF GRIFFIN BANK
In this episode, the hosts welcome back David Jarvis, co-founder and CEO of Griffin, for his second appearance on the show. The discussion centres on the emerging concept of agentic banking and Griffin’s development of the MCP server. David explains how the MCP server enables AI models to…
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EP 139: DEMYSTIFYING THE AI FUTURE... (PART 1) WITH CIARA CONWAY OF TESCO BANK
In this powerful episode of Dave and Dharm Demystify, technologist and financial services veteran Ciara Conway joins Dave and Dharmesh for a frank and wide-ranging conversation about demystifying the forces shaping our future. The trio take on some of the biggest questions of our time: What…
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EP 138: DEMYSTIFYING HOW LLOYDS IS REIMAGINING PAYMENTS AND INNOVATION WITH THEA LOCH
In this episode, Dave and Dharmesh are joined by Thea Loch, Head of Digital Payments at Lloyds Banking Group, for an insightful discussion on the evolving landscape of digital payments and innovation within one of the UK’s largest banks. Thea offers a deep dive into Lloyds’ efforts to modernise…
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EP 137: DEMYSTIFYING WHY CUSTOMER RESEARCH IS CRITICAL TO PRODUCT DEVELOPMENT WITH BRENO OLIVEIRA OF PAYABL
In this episode, recorded in Limassol, Cyprus at the Reflect Festival, Breno Oliveira, Head of Product at Payabl, shares insights from his presentation on the evolution of the checkout experience. He discusses how Payabl is helping merchants across Europe streamline and unify their payment...
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EP 136: DEMYSTIFYING THE ROLE OF BANKS NOW, WITH CHRISTIE H.KRISTENSEN OF DANSKE BANK
In this episode, the conversation centres on embedded finance and digital transformation with Christie Kristensen, Partnership Manager at Danske Bank. Christie shares her experience working across fintech and banking, and how Danske is evolving to meet the needs of corporate clients by embedding...
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EP 135: DEMYSTIFYING THE ROLE OF AGENTIC IN BANKING WITH ROB DUNLAP OF ZAFIN
In his episode of the Dave and Dharm Demystify Show, host Dharm is joined by Rob Dunlap, Head of Product Innovation at Zafin, to discuss the evolving landscape of agentic AI and its applications in banking. Rob had previously lead AI initiatives at IBM before joining Zafin making him a great...
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EP 134: DEMYSTIFING AGENTIC AI WITH JIM ROWAN, US HEAD OF AI DELOITTE
In this episode of the Dave and Dharm Show, Jim Rowan, Head of AI at Deloitte US, provides a deep dive demystification into the evolving impact of AI across the enterprise landscape. Jim shares insights from his role leading AI innovation and internal transformation at Deloitte, highlighting how...
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EP 133: DEMYSTIFYING THE LATEST TRENDS IN DIGITAL TRANSFORMATION WITH JOST HOPPERMANN AND DON FREE
In this episode, we delve into the complex and ongoing journey of digital transformation in banking with two leading voices in the field: Don Free, formerly a lead analyst at Gartner, and Jost Hoppermann, formerly a lead analyst at Forrester. Now operating as independent experts at Angry Rabbit,...
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EP 132: DEMYSTIFYING THE USE OF AI IN SME BANKING WITH DAVID SOSNA FOUNDER OF SYMPERA.AI
Join hosts Dave and Dharmesh as they dive into an illuminating conversation with serial fintech entrepreneur David Sosna. David, known for founding groundbreaking fintech companies like Actimize and Personetics, shares his journey from pioneering data-driven solutions for fraud detection to...
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EP 131: DEMYSTIFYING TREASURY SERVICES WITH CARL SLABICKI OF BNY
This week, we are delighted to host Carl Slabicki, Executive Platform Owner for Treasury Services at BNY. Carl dives deep into the evolving world of treasury services, highlighting BNY's immense scale; moving over $3 trillion daily, and the vital role they play globally, supporting banks,...
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EP 130: DEMYSTIFYING THE FINTECH HUB OF LITHUANIA WITH GRETA RANONYTE
In this episode, Dharmesh sits down with Greta Ranonytė, Head of FinTech Hub LT, to explore what is driving Lithuania’s rise as a leading FinTech destination. Greta outlines the country’s key advantages, from seamless access to the EU market post-Brexit and progressive, FinTech friendly…
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EP 129: DEMYSTIFYING THE FINTECH STREAM OF INVEST LITHUANIA WITH AGNE KLIMAVICIENE
In this episode, Dharmesh speaks with Agnė Klimavičienė, who leads the FinTech stream at Invest Lithuania—a governmental agency under the Ministry of Economy and Innovation focused on attracting foreign investment. Agnė outlines the strategic measures Lithuania has implemented to nurture its...
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EP 128: DEMYSTIFYING QUANTUM TECHNOLOGY WITH QUSIDE'S STEVE TAKHAR
Dave and Dharm dive deep into the fascinating world of quantum technology with special guest Steve Takhar, Quside's Chief Revenue Officer. Steve brings a wealth of experience from traditional IT infrastructure, and in this episode, he shares his journey into the quantum realm. He demystifys...
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EP 127: DEMYSTIFYING THE CURRENT STATE OF AI WITH DR CHARLEYNE BIONDI OF MOODY'S
Welcome to another insightful episode of the Dave and Dharm Demystify podcast. In this week, Dave and Dharm take an in depth look into the rapidly evolving world of Artificial Intelligence with expert guest, Dr. Charleyne Biondi from Moody’s, who specialises in blockchain and AI developments. Dr...
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EP 126: DEMYSTIFYING QUANTUM COMPUTING HARDWARE WITH YUVAL BOGER OF QuERA COMPUTERS
Welcome to another deep dive into the world of quantum computing! In this episode, Dave sits down with Yuval Boger, Chief Commercial Officer of QuEra Computing, to explore quantum technology's fundamentals, breakthroughs, and real-world applications. Yuval demystifies the core principles of…
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EP 125: BEYOND RESILIENCE WITH LEDA GLYPTIS
In this episode we are joined by the brilliant and always insightful Leda Glyptis. Leda is celebrating the launch of her latest book, Beyond Resilience, and we’re diving deep into the ideas behind it. From the staggering failure rates of digital ventures to the patterns of success that go beyond...
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EP 124: DEMYSTIFYING NATWEST BOXED'S PARTNERSHIP WITH THE AA WITH ANDY ELLIS
In this episode, we demystify one of the biggest embedded finance deals in the UK! We sit down with Andy Ellis, CEO of NatWest Boxed, to explore its groundbreaking partnership with the AA, one of the country's most trusted brands. This strategic collaboration is set to revolutionise how financial...
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EP 123: DEMYSTIFYING CREDIT SCORING WITH TOM EYRE CO-CEO OF LOQBOX
In this episode, Dave and Dharm sit down with Tom Eyre, Co-CEO and Co-Founder of Loqbox, a company on a mission to improve financial wellbeing through credit building and education. Since launching in 2017, Loqbox has helped over 1,000,000 individuals build credit histories and financial...
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EP 122: DEMYSTIFYING VENTURE CAPITAL IN THE MENA REGION WITH KHALED TALHOUNI OF NUWA CAPITAL
In this episode, we welcome Khaled Talhouni, Managing Partner, Nuwa Capital, who shares insights into his 17-year journey as a venture capitalist focusing on emerging markets, particularly in the Middle East. Khalid discusses the establishment of Nuwa Capital in 2021, its $100 million early-stage...
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EP 121: DEMYSTIFYING QUANTUM IN 2025 AND QUANTUM INDEX WITH STEVE SUAREZ
Welcome to the latest episode of the Dave and Dharm Demystified Podcast, where we dive deep into the world of innovation and emerging technologies. Today, we’re thrilled to be joined by Steve Suarez, CEO of Horizon X and former Head of Innovation at HSBC, who is helping shape the future of…
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EP 120: DEMYSTIFYING BIAN WITH HANS TESSELAAR OF BIAN AND SAKET SINHA OF IBM
In this episode, Hans Tesselaar, Executive Director of Banking Industry Architecture Network (BIAN) and Saket Sinha, Sr. Partner & Global Vice President - Financial Services IBM, explain the role and impact of BIAN in the financial industry. They introduce the organisation as a not-for-profit...
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EP 119: DEMYSTIFYING DORA WITH SIMON PHILLIPS (SECUREACK) AND ALEX TASIOULIS (CLOUDIFIED.IO)
In this episode, we demystify the Digital Operational Resilience Act (DORA) and explore why it matters for financial institutions. Joining us are cybersecurity and cloud experts Simon Phillips (CTO, SecureAck) and Alex Tasioulis (Cloudified.io), who shed light on the regulation’s core…
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EP 118: DEMYSTIFYING THE EVOLUTION OF MONUMENT FROM BANK TO TECH LEADER WITH STEVE BRITAIN
In this episode, we revisit Monument Bank's journey and uncover a significant transformation. Joined by Steve Britain, CEO of Monument Technology, we explore the split between Monument Bank and its new tech-focused sibling, Monument Technology. Steve shares insights into how Monument Bank's...
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ABOUT THIS SHOW
A unique perspective of Fintech formed through decades of designing and delivering online financial services.
HOSTED BY
Dave and Dharm DeMystify Fintech
CATEGORIES
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Frequently Asked Questions
How many episodes does Dave and Dharm DeMystify have?
Dave and Dharm DeMystify currently has 171 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is Dave and Dharm DeMystify about?
A unique perspective of Fintech formed through decades of designing and delivering online financial services.
How often does Dave and Dharm DeMystify release new episodes?
Dave and Dharm DeMystify publishes regularly with 171 episodes available. Check the episode list for the typical release schedule.
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Who hosts Dave and Dharm DeMystify?
Dave and Dharm DeMystify is created and hosted by Dave and Dharm DeMystify Fintech.
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