London Fintech Podcast

Banking is changing fast, but what does real transformation actually look like inside today’s financial institutions?In this episode of the London Fintech Podcast, Tony Clark sits down with Mark Johnstone, Chief Strategy Officer at MoneyNext and Managing Director of the Banking Transformation Summit, to unpack how banks are navigating AI, modernisation, and the evolving competitive landscape.Mark shares insights from curating one of the most practitioner-led banking events in Europe, where the focus isn’t hype, but what’s actually working inside banks today. With 175+ institutions represented and a highly curated audience, the summit offers a unique lens into how senior leaders are tackling transformation at scale.The conversation explores how the industry has shifted from digital transformation to AI-driven execution, and why the real challenge is no longer technology, but adoption, governance, and human integration.They also dive into the biggest themes shaping banking right now: agentic AI, AI risk and regulation, embedded finance, and the surprising return of the human touch in financial services.Whether you’re a banker, fintech operator, or simply tracking the future of financial services, this episode offers a grounded, insider view of where the industry is heading next.📌 Topics covered• What makes Banking Transformation Summit different from other fintech events• Why banks are shifting from AI hype to real delivery and ROI• The rise of agentic AI and what it means for banking operations• AI governance, regulation, and the impact of the EU AI Act• Embedded finance and the battle for customer ownership• Why human interaction is making a comeback in digital banking• The real blockers to transformation: adoption vs technology• How banks are competing with AI-native fintech startups• Why smaller, curated events outperform large conferences🔗 Learn more:Tony Clark: https://www.linkedin.com/in/tclark100/Mark Johnstone: https://www.linkedin.com/in/majohnstone/NextWave Consulting: www.nxwave.comBanking Transformation Summit: https://bankingtransformationsummit.com/MoneyNext: https://uk.linkedin.com/company/moneynexttvGo Beyond the Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?c=cG9zdDo5OTI5NzY%3D&nav=aHViX3BhZ2U6MTA%3D&s=null#FinTech #Banking #AI #AgenticAI #DigitalTransformation #EmbeddedFinance #BankingTransformation #FinancialServices #Innovation #AIRegulation #OpenBanking #FintechEvents #LondonFintechPodcast

In this episode of the London Fintech Podcast, Tony Clark speaks with Christoph Rieche, CEO and Co-Founder of iwoca, about his transition from Goldman Sachs to building one of Europe’s leading SME lending platforms.“More than 80% of our customers receive instant credit decisions… and can draw funding the same day.”That capability sits at the heart of iwoca’s proposition — transforming SME lending from a slow, uncertain process into something fast, data-driven, and accessible. Christoph explains how API integrations and real-time data sharing allow businesses to move from application to funding in record time, unlocking opportunities that would otherwise be lost.Christoph shares how a desire to “build something with my own hands” led him into entrepreneurship, and how iwoca has grown into a data-driven lender helping small businesses access fast, flexible financing. From the early days to scaling through uncertainty, he reflects on the “roller coaster” of building a fintech business with real-world impact.The conversation dives deep into how AI and data science are transforming credit decisioning, enabling faster and more accurate lending decisions for underserved SMEs. Christoph explains iwoca's hybrid approach, combining machine learning with human judgment, and why this balance is critical in modern lending.They also explore the rise of embedded finance and API-driven lending, and how partnerships are reshaping distribution across digital platforms. With insights into post-pandemic market dynamics, geopolitical pressures, and funding strategies, this episode offers a comprehensive view of where SME financing is heading.Whether you’re a fintech founder, investor, or operator, this is a practical and insightful look at scaling a lending business in today’s environment.📌 Topics covered:• Christoph's journey from banking to fintech founder• Building iwoca and scaling an SME lending platform• AI and data science in credit decisioning• Embedded finance and API-led distribution models• Navigating COVID-19 and macroeconomic challenges• Growth strategies for SME lenders• The role of partnerships in fintech ecosystems🔗 Learn more:Tony Clark: https://www.linkedin.com/in/tclark100/Christoph Rieche: https://uk.linkedin.com/in/christophriecheNextWave Consulting: www.nxwave.comiwoca: www.iwoca.co.uk/1929: The Inside Story of The Greatest Crash in Wall Street History: https://amzn.eu/d/09UYVP9LGo Beyond the Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?c=cG9zdDo5OTI5NzY%3D&nav=aHViX3BhZ2U6MTA%3D&s=null#FinTech #SMELending #EmbeddedFinance #AI #DataScience #DigitalBanking #CreditDecisioning #UKSMEs #Startups #Entrepreneurship #BusinessGrowth #Lending #FinancialTechnology #APIs #LondonFintechPodcast

Entrepreneurship offers endless opportunities, but the real challenge is knowing which ones to pursue.In this episode of the London Fintech Podcast, Tony Clark speaks with James Benham, CEO & Co-Founder at JBK & Terra and host of the InsurTech Geek Podcast, to reflect on a wide-ranging career spanning technology, insurance, and construction, and the hard-earned lessons that come with it.The conversation explores how procurement and RFP processes are increasingly incorporating supplier diversity, creating opportunities for smaller, specialist firms to compete alongside large consultancies. James shares how this shift is shaping vendor ecosystems and why there is a growing appetite for alternative providers.As the discussion turns to career reflections, a central theme emerges: focus. James highlights how early-stage entrepreneurs often spread themselves too thin across industries and opportunities, delaying true expertise and scale. He explains why learning to say “no”, and resisting the pull of “shiny objects”, is one of the most critical skills for long-term success.They also explore the realities of bootstrapping, the discipline it requires, and why building sustainably without external capital can create stronger, more resilient businesses.The episode closes with insights into continuous learning, from long-form business podcasts to classic management books, and why case-study-driven thinking remains one of the most effective ways to understand how great companies are built.Whether you’re an early-stage founder or an experienced operator, this episode offers practical lessons on focus, decision-making, and building with intention.📌 Topics covered:• How RFPs and supplier diversity are shaping fintech and consulting• Why smaller firms are gaining traction alongside large consultancies• The importance of focus in entrepreneurship• Learning to say no and avoid “shiny object” syndrome• Bootstrapping vs venture capital — building sustainable businesses• The role of continuous learning, podcasts, and business case studies🔗 Learn more:Tony Clark: https://www.linkedin.com/in/tclark100/James Benham: https://www.linkedin.com/in/jbenham/NextWave Consulting: www.nxwave.comInsurTech Geek Podcast: https://insurtechgeek.com/Acquired podcast: https://www.youtube.com/@AcquiredFMGood to Great by James Collins: https://amzn.eu/d/0f8rgsjxTraction by Gino Wickman: https://amzn.eu/d/02f4Mlb6Drive by Daniel H. Pink: https://amzn.eu/d/0j3bm6ZADavid and Goliath: Underdogs, Misfits and the Art of Battling Giants by Malcolm Gladwell: https://amzn.eu/d/0dYKZUSYGo Beyond the Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?c=cG9zdDo5OTI5NzY%3D&nav=aHViX3BhZ2U6MTA%3D&s=nul

Money20/20 has become one of the most important gatherings in global fintech — bringing together the leaders, innovators, and institutions shaping the future of financial services.In this episode of the London Fintech Podcast, Tony Clark speaks with Oliver Smith, Head of Content for Europe at Money20/20 Europe 2026, to explore what’s coming at this year’s flagship event.They discuss the scale and ambition of Money20/20 Europe, the key themes driving the agenda, and how the conference continues to reflect — and shape — the evolution of the fintech ecosystem. At the heart of the event are four major pillars: AI, rebundling of financial services, the evolving tech stack, and regulation. Oliver shares how these themes come together across stages, speakers, and sessions — and what attendees should focus on to get the most value from the experience.The conversation also looks ahead to emerging trends, including agentic finance, the growing role of AI across financial services, and how blockchain and digital assets continue to evolve within institutional markets.Whether you’re attending Money20/20 or following the direction of fintech more broadly, this episode is a useful guide to the ideas and conversations shaping the industry right now.📌 Topics covered• What to expect from Money20/20 Europe 2026• The four key themes: AI, rebundling, tech stack, and regulation• How to navigate the conference and maximise your time• The rise of agentic finance and AI-driven services• Blockchain, digital assets, and evolving market infrastructure• Why Money20/20 remains a central hub for fintech innovation🔗 Learn more:Tony Clark: https://www.linkedin.com/in/tclark100/Oliver Smith: https://www.linkedin.com/in/oliversmitheu/Money 20/20 Europe: https://europe.money2020.com/NextWave Consulting: www.nxwave.comThe MoneyPot Podcast: https://open.spotify.com/show/57KYwfMgZsVBIaxHcOCzebCareless People by Sarah Wynn-Williams: https://www.amazon.co.uk/Careless-People-explosive-memoir-doesnt/dp/1035065924Go Beyond the Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?c=cG9zdDo5OTI5NzY%3D&nav=aHViX3BhZ2U6MTA%3D&s=null#FinTech #Money2020 #AI #Blockchain #RegTech #FinCrime #DigitalAssets #FinancialServices #Innovation #LondonFintechPodcast

Blockchain has been discussed for over a decade, but its real impact in institutional finance is only now beginning to take shape.In this episode of the London Fintech Podcast, Tony Clark speaks with Yuval Rooz, CEO of Digital Asset and Co-Founder of Canton, about how blockchain infrastructure is evolving to meet the needs of global capital markets.At the centre of the conversation is the Canton Network: a public, privacy-enabled blockchain designed to bring blockchain rails to financial markets at scale. Yuval explains how Canton is addressing one of the biggest barriers to institutional blockchain adoption: privacy and control over sensitive financial data, while still enabling interoperability across markets and participants.They discuss why traditional financial infrastructure struggles with fragmented data and settlement delays, how blockchain can confirm the validity of data across multiple institutions, and why tokenisation, stablecoins, and programmable assets could transform how markets operate.The conversation also explores the growing intersection between blockchain and AI, and why financial infrastructure needs to be prepared for a future where automated agents transact and make decisions at scale.📌 Topics covered• The 11-year journey building institutional blockchain infrastructure• Why privacy is critical for blockchain adoption in capital markets• How the Canton Network enables interoperability across financial institutions• The role of stablecoins in reducing settlement risk• Tokenisation and the representation of real-world assets on blockchain• Preparing financial systems for AI-driven transaction volumes• The future of crypto markets and financial infrastructure🔗 Learn more Tony Clark: https://www.linkedin.com/in/tclark100/The London Fintech Podcast: https://londonfintechpodcast.comYuval Rooz: https://www.linkedin.com/in/yuvalrooz/Digital Asset: https://www.digitalasset.com/Canton Network: https://www.canton.network/NextWave Consulting: www.nxwave.comWhat I Talk About When I Talk About Running by Haruki Murakami: https://www.amazon.co.uk/What-Talk-About-When-Running/Go Beyond the Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?c=cG9zdDo5OTI5NzY%3D&nav=aHViX3BhZ2U6MTA%3D&s=null#Blockchain #InstitutionalFinance #Toenization #Stablecoins #DigitalAssets #AI #FinancialInfrastructure #FinTech #CryptoInnovation #LondonFintechPodcast

As AI accelerates across financial services, the real competitive advantage is no longer just analytics — it’s decision intelligence.In this episode of the London Fintech Podcast, Tony Clark is joined by Jamie Hutton, Chief Technology Officer of Quantexa, to explore how organisations are moving beyond dashboards and manual analysis toward context-driven, automated decision-making.Now celebrating its 10th anniversary, Quantexa is one of the UK’s standout post-pandemic unicorns, scaling globally with over $100m+ ARR and recognised as a leader in the Decision Intelligence category by Gartner.Jamie explains how Quantexa pioneered entity resolution and graph analytics to help organisations connect fragmented data, resolve real-world entities, and uncover patterns across risk, fraud, compliance, and growth. The conversation dives into why data quality and context are foundational for AI, how decision intelligence differs from traditional BI, and why siloed data continues to hold enterprises back.They also discuss Quantexa’s journey from a kitchen-table startup to working with 30 of the world’s top 50 banks, the trade-offs of building highly extensible enterprise software, and how the company is evolving its platform for faster deployment, lower TCO, and AI-native use cases — including agentic AI.If you’re thinking about AI adoption, enterprise data strategy, or how to turn information into action at scale, this episode is a must-watch.📌 Topics covered• What decision intelligence really means in the AI era• Entity resolution, graph analytics, and connecting siloed data• Why AI fails without trusted, contextual data• Fighting financial crime — and finding growth opportunities• Building enterprise-grade platforms from day one• From customisation to productisation at scale• Agentic AI, unstructured data, and what’s next for Quantexa🔗 Learn moreTony Clark: https://www.linkedin.com/in/tclark100/The London Fintech Podcast: https://londonfintechpodcast.comJamie Hutton: https://uk.linkedin.com/in/huttonjamieCheck out Quantexa’s website: https://www.quantexa.com/?utm_medium=partners&utm_source=london_fintech_podcastAccess a complimentary copy of the Gartner® Magic Quadrant™ for Decision Intelligence Platforms report: https://www.quantexa.com/resources/2026-gartner-magic-quadrant-for-decision-intelligence-platforms/?utm_medium=partners&utm_source=london_fintech_podcast&utm_campaign=701Nz00000jrM0YCheck out Quantexa's YouTube channel: https://www.youtube.com/@QuantexaNextWave Consulting: www.nxwave.comGo Beyond the Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?c=cG9zdDo5OTI5NzY%3D&nav=aHViX3BhZ2U6MTA%3D&s=nullThe Anxious Generation: https://www.amazon.co.uk/Anxious-Generation-Rewiring-Childhood-Epidemic-ebook/dp/B0CGWS3JQ6

While much of the financial world is racing to keep up with AI and the rapid institutionalisation of blockchain and crypto, another powerful technology has been quietly advancing in the background for decades — quantum computing.In this episode of the London Fintech Podcast, Tony Clark is joined by Christopher Jensen, Portfolio Manager & Director of Digital Asset Research at Franklin Templeton, to explore what quantum computing really is — and why it could have profound implications for digital assets, cryptography, and financial infrastructure.Franklin Templeton, one of the world’s most innovative asset managers with over $1 trillion in AUM, recently published a paper titled Digital Asset Security in the Quantum Era. Chris joins the podcast to unpack the research, explain the real risks quantum computing poses to today’s encryption standards, and outline how the industry can prepare for a post-quantum world.They discuss why Bitcoin’s quantum risk is concentrated in legacy address formats, how crypto-agility will create a new trust premium for assets and custodians, and why blockchain governance — not panic — is the key to navigating this transition. The conversation also explores smart contracts, post-quantum upgrades, and why the biggest systemic risk may be “harvest now, decrypt later.”The episode looks at how major financial institutions are already testing quantum-resistant approaches, why this shift may be comparable to Y2K or IPv6, and how the intersection of AI and quantum computing could accelerate change across financial markets faster than many expect.Whether you’re an investor, technologist, or finance leader, this episode offers a grounded, practical view of one of the most important — and least understood — risks facing digital finance.📌 Topics covered• What quantum computing is and why it matters for finance• How quantum machines threaten current cryptography• Bitcoin’s exposure via legacy address formats• Post-quantum cryptography and crypto-agility• Blockchain governance and upgrade coordination• Smart contracts and post-quantum migration• “Harvest now, decrypt later” risks• Institutional readiness and custody implications• AI, quantum, and the future of financial infrastructure• What investors should consider over the next 5–15 years🔗 Learn moreTony Clark: https://www.linkedin.com/in/tclark100/The London Fintech Podcast: https://londonfintechpodcast.comChristopher Jensen: https://www.linkedin.com/in/christopherjensen2001/Franklin Templeton: https://www.linkedin.com/company/franklin-templeton/Franklin Templeton Digital Assets Insightshttps://www.franklintempleton.com/insights/disruptive-technology/digital-assetsFranklin Templeton Digital Assets on Xhttps://x.com/FTDA_USDigital Asset Security in the Quantum Era: https://franklintempletonprod.widen.net/s/zqcgfsrm8f/insight-article-digital-asset-security-in-the-quantum-era-dasqe-fl

🎙️ In this episode of the London Fintech Podcast, Tony Clark speaks with Søren Westh Lonning, CFO of Pleo, about how finance leaders are navigating an era of growing complexity, higher expectations, and mounting pressure — and why too many organisations are still making decisions based on hindsight rather than foresight.Søren shares Pleo’s growth journey, scaling from €65m to €165m in ARR in just three years, and explains how the company has evolved from a simple expense management tool into a comprehensive spend and cash management platform designed to support real-time, confident decision-making across finance teams.Drawing on insights from Pleo’s Decision-Making Report, the conversation explores a stark reality facing finance leaders today: 58% of financial decision-makers — and 65% of CFOs — are making more high-level decisions than ever before, yet confidence remains low. Nearly half have experienced decision-freeze, and 41% of decisions are made without full confidence, often due to fragmented systems and a lack of contextual, real-time data.Tony and Søren unpack what’s driving this — from rising geopolitical and economic pressures to greater business ambition — and discuss how modern finance teams can rethink strategy to stay effective. Central to this shift is enabling teams to move from hindsight to foresight, using real-time visibility, analytics, automation, and AI to guide decisions before opportunities are missed.The episode also dives into how Pleo helps finance teams build trust across the business, forge stronger data-driven partnerships, invest more intelligently, and ensure cash works harder through smarter optimisation. Søren reflects on maintaining culture during rapid scale, the role of strategic partnerships, and practical advice for FinTech founders looking to achieve lasting product-market fit.📌 Topics Covered• Why CFOs are under more pressure — and less confident — than ever• Insights from Pleo’s Decision-Making Report• The cost of decision-freeze and fragmented financial data• Moving finance teams from hindsight to foresight• Real-time visibility, analytics, and AI in modern finance• Scaling from expense management to full spend & cash management• Maintaining culture and trust during rapid growth• Strategic partnerships and the future roadmap for Pleo🔗 Learn More:Tony Clark: linkedin.com/in/tclark100The London Fintech Podcast: https://londonfintechpodcast.comPleo: https://www.pleo.io/enSøren Westh Lonning: https://www.linkedin.com/in/s%C3%B8ren-westh-lonning/Pleo Decision-Making Report 2025: https://content.pleo.io/en/decisions-report-2025Explore Pleo Embedded Finance: https://embedded.pleo.io/news/pleo-embedded-official-launchPleo Cash Management Suite: https://www.pleo.io/en/cash-managementNextWave Consulting: https://www.nxwave.com/Go Beyond The Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?c=cG9zdDo5OTI5NzY%3D&nav=aHViX3BhZ2U6MTA%3D&s=nullOn My Watch: Leading NATO in a Time of War: https://www.amazon.co.uk/My-Watch-Leading-NATO-Time/dp/0008708746How Big Things Get Done: https://www.amazon.co.uk/How-Big-Things-Get-Done/dp/1035018950/

In this episode of the London Fintech Podcast, Tony Clark sits down with Susanne Chishti to explore the growing pressure on CFOs operating in today’s increasingly complex financial environment, from geopolitical shocks to shrinking margins and fragmented data systems.This conversation is created in collaboration with Pleo, and highlights their work in modernising the CFO’s office through real-time visibility, automated treasury workflows, and embedded finance capabilities that unify spend across the business.Tony and Susanne dive deep into findings from Pleo’s Decision-Making Report 2025, including:💡 Over 50% of UK decision-makers experience “decision freeze” due to a lack of real-time data💡 Finance teams spend 26+ hours per week on manual treasury tasks💡 Many organisations still make decisions based on “feeling” rather than evidence💡 Fragmented systems slow down business agility and innovationThey also unpack how tools such as Pleo Embedded (their new embedded finance solution) and the Cash Management Suite are helping CFOs automate treasury operations, consolidate financial data, and accelerate decision-making with greater clarity and control.Whether you're a CFO, operator, finance leader, or founder, this episode offers practical insights into the future of financial decision-making — and why integrated tooling is now essential rather than optional.🔗 Learn More:Tony Clark: linkedin.com/in/tclark100The London Fintech Podcast: https://londonfintechpodcast.comPleo: https://www.pleo.io/enSusanne Chishti: https://www.linkedin.com/in/susannechishti/Pleo Decision-Making Report 2025: https://content.pleo.io/en/decisions-report-2025Explore Pleo Embedded Finance: https://embedded.pleo.io/news/pleo-embedded-official-launchPleo Cash Management Suite: https://www.pleo.io/en/cash-managementNextWave Consulting: https://www.nxwave.com/Go Beyond The Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?c=cG9zdDo5OTI5NzY%3D&nav=aHViX3BhZ2U6MTA%3D&s=null"From Good to Great" by Jim Collins: https://www.amazon.co.uk/Good-Great-Companies-published-HarperBusiness/dp/B00E327SVA/ref=asc_df_B00E327SVA?mcid=ff85ddadb41e3021bd513644d3a153d5&tag=googshopuk-21&linkCode=df0&hvadid=781457465012&hvpos=&hvnetw=g&hvrand=6936681774339943281&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9045984&hvtargid=pla-2444989498790&psc=1&hvocijid=6936681774339943281-B00E327SVA-&hvexpln=0&gad_source=1

🎙️ In this episode of the London Fintech Podcast, Tony Clark sits down with Sid Powell, CEO of Maple Finance, to explore the rapid rise of onchain finance and what it means for the future of institutional lending, asset management, and global financial markets.Sid explains how Maple is building institutional-grade borrowing and lending natively onchain, taking a different path from traditional finance players that rely on legacy rails. By using stablecoins, Bitcoin, and decentralized finance protocols, Maple is working to make lending faster, cheaper, more transparent, and more efficient—all while maintaining a rigorous focus on risk management.With over $4 billion in assets under management, Maple has emerged as a key player in crypto-native credit markets, partnering with institutions such as Cantor Fitzgerald, Bitwise, family offices, prime brokers, exchanges, trading firms, and Bitcoin miners. Sid outlines how BTC-backed loans, stablecoin-based lending, and DeFi integration are reshaping capital markets at scale.The conversation also dives into the regulatory outlook for the year ahead, including the implications of the GENIUS Act, the likely passage of the Clarity Act, and how improved regulation could unlock new use cases such as Bitcoin-backed mortgages. Sid shares his views on Bitcoin’s long-term trajectory, the current macro environment, and why stablecoin adoption is accelerating through banks, fintechs, and global payment providers.Tony and Sid also discuss Maple’s expansion across Ethereum, Solana, Arbitrum, and other blockchains, the role of products like syrupUSDC in creating liquid, yield-bearing assets for DeFi, and how AI is increasingly being used to improve risk management in onchain asset management.📌 Topics covered:•The explosive growth of onchain finance• Institutional crypto lending vs traditional financial rails• Stablecoins, BTC-backed loans, and DeFi credit markets• Maple’s $4B+ AUM growth and institutional partnerships• Risk management in crypto-native lending• GENIUS Act, Clarity Act, and regulatory clarity• Cross-chain DeFi infrastructure (Ethereum, Solana, Arbitrum)• Yield-bearing stablecoins and onchain composability• Bitcoin market outlook and macro trends• The future of AI in onchain asset managementWhether you’re tracking institutional crypto adoption, stablecoin innovation, or the future of lending on blockchain rails, this episode offers a deep dive into where digital finance is heading next.🔗Learn more:Tony Clark: https://www.linkedin.com/in/tclark100/The London Fintech Podcast: https://londonfintechpodcast.com/Sid Powell: https://www.linkedin.com/in/sidneypowell/Maple Finance: https://maple.finance/Go Beyond The Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?nav=aHViX3BhZ2U6NTY%3D&c=cG9zdDo5OTMzNTQ%3DAugustus: The Life of Rome's First Emperor: https://www.amazon.co.uk/Augustus-Life-Romes-First-Emperor/dp/0812970586/ref=asc_df_0812970586?mcid=33b3cd8f94e23fceb665d3018d99fb8d&th=1&psc=1&tag=googshopuk-21&linkCode=df0&hvadid=696450770399&hvpos=&hvnetw=g&hvrand=15772828612049184534&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9045984&hvtargid=pla-417307122658&psc=1&hvocijid=15772828612049184534-0812970586-&hvexpln=0&gad_source=1Founders Podcast: https://open.spotify.com/show/7txiovdzPARhjm18NwMUYj?trackId=21yPPGH9UO7nu1Vc0P6Y1l

🎙️ In this episode, Tony sits down with Richard Squire, founder of My Finance Future, to explore how his FinTech startup is reshaping the way people plan their financial lives—not just for today, but for the decades ahead.Richard shares his journey from a successful career in management consulting to building a platform designed to help individuals truly understand their long-term financial position. He explains why so many people begin planning too late, and how My Finance Future aims to solve this by giving users a clear, comprehensive view of their financial future before they make life-changing decisions.They discuss the complexities behind building a complete lifetime financial planning tool, the importance of earning user trust in financial services, and the collaborative effort required to bring a robust MVP to market. Richard also dives into the strategies behind reaching the right audience—from social media to influencer partnerships—and what it takes to stand out in a crowded FinTech landscape.Looking ahead, Tony and Richard explore the next phase for My Finance Future, including new capabilities, expanded reach, and the broader mission of empowering individuals to take control of their financial journey.📌 Topics Covered• Richard Squire’s transition from consulting to FinTech• Why lifetime financial planning matters• Understanding your financial situation before major decisions• Why many people start planning too late• Building a comprehensive, all-in-one financial plan• Trust as a cornerstone of financial services• Collaboration & teamwork in early-stage startups• Marketing via social media and influencers• My Finance Future’s MVP and long-term roadmap• Expanding the platform’s capabilities & audience🔗 Learn MoreTony Clark: https://www.linkedin.com/in/tclark100/The London Fintech Podcast: https://londonfintechpodcast.com/Richard Squire: https://www.linkedin.com/in/richardsquire/MyFinanceFuture: https://myfinancefuture.com/Go Beyond The Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?nav=aHViX3BhZ2U6NTY%3D&c=cG9zdDo5OTMzNTQ%3D

🎙️ In this episode of the London Fintech Podcast, Tony Clark sits down with Dalal Buhejji to explore how Bahrain is fast becoming one of the most dynamic fintech hubs in the Middle East.Dalal unpacks Bahrain’s rich legacy in financial services, now the largest contributor to its economy, surpassing oil and gas. She shares how the Bahrain Economic Development Board (EDB) supports global and local fintechs entering the market—providing investment facilitation, guidance, and an environment designed for innovation.They discuss Bahrain’s unique regulatory model featuring a single financial regulator, which simplifies market entry and has been instrumental in developing a thriving fintech ecosystem. Dalal also highlights the success of the country’s regulatory sandbox, which has produced major fintech players and spurred new models in payments, digital banking, and beyond.A core focus of Bahrain’s strategy is talent development, with initiatives to upskill Bahrainis in technology and financial services. Combined with its strategic location, the country offers unrivalled access to the GCC and wider MENA region—positioning Bahrain as a launchpad for global expansion.Looking ahead, Dalal and Tony explore emerging trends shaping Bahrain’s financial future, from AI and digital banking to deeper collaboration across the region.📌 Topics Covered• Bahrain’s evolution into a fintech hub• How the Bahrain EDB supports global fintechs• Single-regulator advantage• Success of Bahrain’s regulatory sandbox• Local talent development & upskilling• Strategic access to GCC & MENA markets• Economic diversification beyond oil• Innovation in payments & digital banking• AI adoption in financial services• What’s next for Bahrain’s fintech ecosystem🔗 Learn MoreTony Clark: https://www.linkedin.com/in/tclark100/The London Fintech Podcast: https://londonfintechpodcast.com/Dalal Buhejji: https://www.linkedin.com/in/dbuhejji/Bahrain Economic Development Board (EDB): https://www.bahrainedb.com/Go Beyond The Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?nav=aHViX3BhZ2U6NTY%3D&c=cG9zdDo5OTMzNTQ%3D

In this episode of the London Fintech Podcast, Tony Clark sits down with Ben Brophy, Head of Institutional Growth, Europe at the Solana Foundation, to explore how the world’s fastest and most actively used blockchain is shaping the next generation of financial infrastructure.Ben shares his journey from traditional finance—spanning roles at NatWest and Fidelity International—to leading Solana’s institutional adoption across Europe. They dive into how Solana’s high-performance, single-layer network is driving on-chain innovation at scale, and what it means for banks, asset managers, and payment providers now entering the blockchain era.The conversation covers the institutional shift from private to public blockchains, the rise of tokenisation, the integration of on-chain solutions with treasury operations, and Solana’s vision to become “Nasdaq on the Internet.” Ben also unpacks Solana’s collaboration with R3, the regulatory evolution enabling public deployments, and the $2.5 billion DeFi capital request that’s opening new pathways between traditional finance and crypto-native ecosystems.📌 Topics covered:• How Solana became the world’s fastest and most adopted blockchain• The evolution of institutional blockchain adoption• Public vs. private networks—and why the shift matters now• Tokenisation, stablecoins, and yield-generating assets on-chain• The future of programmable compliance and transparent governance• R3 x Solana: bridging TradFi and DeFi• Why we’ve passed the tipping point for on-chain financeTune in to hear how Solana is redefining performance, trust, and innovation in blockchain—and why the next wave of institutional finance will be built on-chain.🔗 Learn More:Tony Clark: linkedin.com/in/tclark100The London Fintech Podcast: https://londonfintechpodcast.comSolana Foundation: https://solana.com/ &. https://x.com/solana?ref_src=twsrc%5Egoogle%7Ctwcamp%5Eserp%7Ctwgr%5EauthorBen Brophy: linkedin.com/in/benbrophyNextWave Consulting: https://www.nxwave.com/Go Beyond The Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?c=cG9zdDo5OTI5NzY%3D&nav=aHViX3BhZ2U6MTA%3D&s=nullThe Fourth Turning Is Here by Neil Howe: https://www.amazon.co.uk/Fourth-Turning-Here-Seasons-History/dp/1982173734/ref=sr_1_1?crid=2JGUG3UZKXC5Y&dib=eyJ2IjoiMSJ9.UnHitIUegc8AC05jF0ZWTZMwWgbhD9RWG1GpDfRjCDvGjHj071QN20LucGBJIEps.F2PF1-CK0Cy5SS6yy83q5mKyUWCdfZ4L4QY58AN2GWo&dib_tag=se&keywords=the+Fourth+Turning+Is+Here+by+Neil+Howe&qid=1760691367&sprefix=the+fourth+turning+is+here+by+neil+howe%2Caps%2C150&sr=8-1

🎙️ In this episode of the London Fintech Podcast, Tony Clark sits down with Andy MacMillan, CEO of Alteryx, to explore how data, automation, and AI are reshaping the future of financial services.With a background in enterprise software and data management, Andy shares how Alteryx has evolved into a leading platform helping organisations operationalise AI—turning raw data into actionable insight. The conversation dives into what it takes to build trust in AI-driven systems, how financial institutions are integrating automation into both customer-facing and internal workflows, and why predictability and governance are critical to success.They also discuss Alteryx’s role as a data clearinghouse for AI applications, the importance of customer feedback in shaping innovation, and how the real promise of AI lies not in hype—but in solving practical business challenges.📌 Topics covered:• Data as the fuel powering the AI revolution• How Alteryx enables end-to-end AI adoption• Building trust and predictability in AI processes• The evolution of data management in financial services• Using AI to enhance customer experience and operations• The intersection of automation and human expertise• The customer-led approach driving Alteryx’s innovation• The future of AI: from experimentation to operational excellenceTune in to hear how Andy MacMillan and Alteryx are helping financial institutions turn data into their most strategic asset—and what it takes to bring AI to life responsibly.🔗 Learn more:Tony Clark: https://www.linkedin.com/in/tclark100/The London Fintech Podcast: https://londonfintechpodcast.comAndy MacMillan: https://www.linkedin.com/in/apmacmillan/Alteryx: https://www.alteryx.comGo Beyond The Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?nav=aHViX3BhZ2U6NTY%3D&c=cG9zdDo5OTMzNTQ%3DOn the Calculation of Volume 1" by Solvej Balle: https://www.amazon.co.uk/Calculation-I-Solvej-Balle/dp/0571383378

🎙️ In this episode of the London Fintech Podcast, Tony Clark speaks with Symmie Swil, UK General Manager of Upvest, about the company’s role in financial technology and investment infrastructure.Symmie shares her career journey, the development of Upvest, and how embedded finance is being integrated into modern financial services. The conversation covers financial literacy, the use of AI in financial operations, and the supportive environment for fintech innovation in the UK.📌 Topics covered:• The growth of embedded finance in financial services• Symmie’s career path and leadership insights• The role of AI in financial operations• Financial literacy and education initiatives• UK fintech ecosystem and regulatory environment• Building culture and collaboration at Upvest🔗 Learn More:Tony Clark: https://www.linkedin.com/in/tclark100/The London Fintech Podcast: https://londonfintechpodcast.comSymmie Swil: https://www.linkedin.com/in/symmie/Upvest: https://upvest.co/Go Beyond The Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?nav=aHViX3BhZ2U6NTY%3D&c=cG9zdDo5OTMzNTQ%3DCautionary Tales podcast: https://open.spotify.com/show/2yPlb6ynbhTJbziSIcykQdHidden Brain podcast: https://www.hiddenbrain.org/Crossing the Chasm (book): https://www.amazon.co.uk/Crossing-Chasm-3rd-Disruptive-Mainstream/dp/0062292986

🎙️ In this episode of the London Fintech Podcast, Tony Clark speaks with Dr. Paul Dongha, Head of Responsible AI & AI Strategy at NatWest Group, about the importance of AI governance in financial services.With decades of experience in AI—from his early PhD research on autonomous agents to leading responsible AI initiatives at major banks—Paul brings both technical depth and practical expertise to the conversation. He shares insights from his new book "Governing the Machine", co-authored with leading global AI advisors Ray Eitel-Porter and Miriam Voge, and promoted by figures such as Andrew Ng, Reid Hoffman, and the CEO of IBM.They discuss the nine key risk areas of AI—including bias, privacy, security, and hallucinations—the role of regulation such as the EU AI Act, and why effective governance must be an organisation-wide effort led from the boardroom. Paul also explains how firms can implement practical frameworks, governance forums, and training to safely unlock AI’s potential while staying compliant and ethical."Governing the Machine" will launch on October 23rd and is available for pre-order now: https://amzn.eu/d/9PSBRAtPaul shares perspectives from his career in AI research and strategy, including risk areas such as bias, privacy, security, and hallucinations. The discussion explores regulatory frameworks like the EU AI Act, organisational approaches to responsible AI, and practical tools that firms can use to manage AI adoption effectively.📌 Topics covered:• Why responsible AI is critical for financial services• The nine biggest risk areas for AI adoption• Bias, fairness, and how to mitigate them in practice• Privacy, security, and the risks of prompt hacking• Hallucinations and why they can’t be “designed away”• Regulation: EU AI Act, NIST framework, and global standards• The rise of Chief AI Officers and responsible AI roles• How to build governance forums, ethics boards, and AI inventories• Tools, platforms, and GRC systems for managing AI at scale• Key takeaways from Governing the Machine📌 Key takeaway: AI governance isn’t about slowing innovation—it’s about building the guardrails that make responsible, scalable innovation possible.------------------------------------------------------------------------------------📚 I would be delighted to welcome you to one of our launch events, where you can purchase a signed copy of the book. 7.30pm on Tuesday, 21st October in Jesus College, Cambridge, CB5 8BL. RSVP: https://bit.ly/3VD65EV (select “Reserved tickets” – you are a VIP!)You will need a ticket to gain entry, so you must RSVP. OR 6pm on Wednesday, 22nd October at NatWest Bank, 250 Bishopsgate, London, EC2M 4AA.RSVP: https://bit.ly/3IuBiaqYou will need a QR code to gain entry, so you must RSVP.------------------------------------------------------------------------------------🔗 Learn More:Tony Clark: https://www.linkedin.com/in/tclark100/The London Fintech Podcast: https://londonfintechpodcast.com/podcasts/Paul Dongha: https://www.linkedin.com/in/paul-dongha/Governing the Machine (pre-order link): https://amzn.eu/d/9PSBRAtNextWave Consulting: https://www.nxwave.com/Coming Up Short: A Memoir of My America: https://www.amazon.co.uk/Coming-Up-Short-Memoir-America/dp/0593803280Go Beyond The Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?c=cG9zdDo5OTI5NzY%3D&nav=aHViX3BhZ2U6MTA%3D&s=null

🎙️ In this episode of the London Fintech Podcast, Tony Clark speaks with Mike Brennan of Finch Capital and AI innovator Parsa Ghaffari about the evolution of fintech in Europe and the impact of AI on financial services.They discuss the development of new fintech hubs, the integration of AI across business functions, and how regulation and technology are shaping operating models.The conversation also explores the concept of “peak engineering” and what it could mean for the next phase of digital transformation in finance.📌 Topics covered:The changing fintech landscape in Europe AI applications in financial servicesEmerging fintech hubs across the regionRegulation and its role in shaping adoptionThe idea of “peak engineering” in technologyAI integration into business workflowsIndustry perspectives on digital transformation🔗 Learn More:Tony Clark: https://www.linkedin.com/in/tclark100/The London Fintech Podcast: https://londonfintechpodcast.comParsa Ghaffari: https://www.linkedin.com/in/parsa-ghaffari-a7300a24/Mike Brennan: https://www.linkedin.com/in/mikebrennan/Finch Capital: https://finchcapital.com/NextWave Consulting: https://www.nxwave.com/The State of European Fintech: https://finchcapital.com/research-reports/State_of_European_Fintech_2025_All.pdGo Beyond The Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?nav=aHViX3BhZ2U6NTY%3D&c=cG9zdDo5OTMzNTQ%3D

🎙️ In this episode of the London Fintech Podcast, Tony Clark speaks with Scarlett Sieber, Chief Strategy & Growth Officer at Money20/20, about the role of global industry gatherings in financial services.Scarlett discusses her career journey from banking innovation to leading strategy at Money20/20, and shares perspectives on collaboration across the sector. The conversation covers the return of in-person events, trends in AI and fraud prevention, blockchain use cases, and the influence of technology companies on finance.📌 Topics covered:• Industry collaboration through fintech conferences• Scarlett’s background in banking and fintech innovation• In-person networking and events post-COVID• AI, fraud detection, and operational priorities• Blockchain adoption in financial services• The role of large technology firms in finance• Global fintech trends and regional perspectives🔗 Learn More:Tony Clark: https://www.linkedin.com/in/tclark100/The London Fintech Podcast: https://londonfintechpodcast.comScarlett Sieber: https://www.linkedin.com/in/scarlettsieber/Money20/20: https://www.money2020.com/NextWave Consulting: https://www.nxwave.com/Go Beyond The Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?nav=aHViX3BhZ2U6NTY%3D&c=cG9zdDo5OTMzNTQ%3DTaking Stock: https://tv.nyse.com/taking-stock-2

🎙️ In this episode of the London Fintech Podcast, Tony Clark sits down with Rob Stone, General Manager of Intelligent Automation and Analytics at SS&C, to explore how AI, automation, and digital assets are reshaping the future of asset servicing and investment management.Rob shares his journey with SS&C—from joining in 2010 when the firm was valued at $1 billion, to helping scale it into a $20+ billion leader at the intersection of technology and operations. He explains how SS&C’s unique dual role as both a technology provider and an operator creates a powerful competitive advantage in financial services.They also dive into the evolution of asset servicing from manual workflows to digitally integrated operations, the governance challenges of deploying AI at scale, and why blockchain and digital assets will be central to the industry’s next chapter.📌 Topics covered:• Rob Stone’s journey and SS&C’s remarkable growth• The evolution of asset servicing in a digital-first world• How AI and automation are driving efficiency and innovation• Why SS&C’s dual model creates a strong competitive moat• Governance, security, and responsible AI adoption• The role of blockchain and digital assets in investment firms• How adaptability will define the winners of the next decadeTune in to hear how SS&C is using technology not only to serve clients, but to reinvent its own operations—and what this means for the future of financial services.🔗 Learn More:Tony Clark: https://www.linkedin.com/in/tclark100/The London Fintech Podcast: https://londonfintechpodcast.comSS&C Technologies: https://www.ssctech.comSS&C Blue Prism: https://www.blueprism.com/NextWave Consulting: https://www.nxwave.com/Go Beyond The Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?nav=aHViX3BhZ2U6NTY%3D&c=cG9zdDo5OTMzNTQ%3D#FinTech #Automation #AIinFinance #DigitalAssets #Blockchain #AssetServicing #InvestmentInnovation #FinancialServices #LondonFintechPodcast #SSCTech

In this episode of the London Fintech Podcast, Tony Clark sits down with Sandy Kaul, Executive Vice President & Head of Innovation at Franklin Templeton, to explore how tokenisation, smart contracts, and wallet-based ecosystems are set to redefine the future of finance.Sandy shares her extensive background at the intersection of finance and technology, explaining how the industry is moving from traditional account-based systems to decentralised, wallet-driven models. They dive into the transformative power of tokenisation for equities, bonds, and other financial instruments, as well as the potential of smart contracts to automate and streamline transactions.The conversation also unpacks the regulatory landscape, the growing mainstream adoption of digital assets, and why investment firms must act now to adapt. From tokenised funds to personalised portfolio benefits, Sandy outlines a vision of finance that is more accessible, flexible, and innovative than ever before. Topics covered:• The shift from account-based to wallet-based systems• Why tokenisation will revolutionise traditional finance• Smart contracts and the automation of financial markets• How decentralised finance can democratise investment access• Institutional adoption of digital assets• The regulatory path for tokenised instruments• Future trends in portfolio management and investor personalisation Learn More:Tony Clark: https://www.linkedin.com/in/tclark100/The London Fintech Podcast: https://londonfintechpodcast.comSandy Kaul: https://www.linkedin.com/in/sandy-kaul/Book –The Fourth Turning: What the Cycles of History Tell Us About America's Next Rendezvous with Destiny: https://www.amazon.co.uk/Fourth-Turning-American-Prophecy/dp/0767900464#Tokenisation #DigitalAssets #SmartContracts #WalletBasedSystems #FinTech #DeFi #Blockchain #InvestmentInnovation #FranklinTempleton #FinancialServices #LondonFintechPodcas

️In this episode of the London Fintech Podcast, Tony Clark sits down with Robb Wilson—pioneer in AI, experience design expert, and author—to unpack the rapid evolution of artificial intelligence and what it really means for the future of financial services.Robb shares why simulation is the next big leap in AI, how outbound and agentic AI will redefine customer interactions, and why the industry needs to stop bolting AI onto outdated systems. Drawing from years of experience building platforms for smarter machines, Robb argues that success with AI requires rethinking objectives, embracing foundational design, and preparing for a future where machines not only support—but act.They also explore the risks of AI overload, the need for shared knowledge infrastructure, and why clarity and control must underpin innovation. Topics covered:• Why AI is the defining force in financial services• The rise of agentic AI and outbound automation• Why simulation will reshape AI development• The hidden risks of bolt-on AI solutions• How companies can build foundational AI infrastructure• The challenge of integrating AI into legacy business structures• Why objectives—not just tools—must evolve• Building platforms for intelligent, autonomous systems• The future of human-AI collaboration in financeTune in to hear how Robb Wilson is helping reshape AI thinking across industries—and what it takes to lead in the age of intelligent systems. Learn More:Tony Clark: https://www.linkedin.com/in/tclark100/The London Fintech Podcast: https://londonfintechpodcast.comRobb Wilson: https://www.linkedin.com/in/invisiblemachines/UX Magazine: https://uxmag.com/OneReach.ai: https://onereach.ai/Dopamine Nation: https://www.amazon.co.uk/Dopamine-Nation-Finding-Balance-Indulgence/dp/B09GYNV92DAge of Invisible Machines: A Guide to Orchestrating AI Agents and Making Organizations More Self-Driving (Revised and Updated Revised and Updated 2nd Edition): https://a.co/d/8r0Ju8RThe Invisible Machines podcast: https://uxmag.com/podcastsVerizon Business Assistant: https://www.verizon.com/business/solutions/ai-business-assistant/#AIinFinance #AgenticAI #ConversationalAI #OutboundAI #DigitalTransformation #SimulationTech #FinTech #Automation #PlatformThinking #LondonFintechPodcast #AILeadership #FutureOfWork

In this episode of the London Fintech Podcast, Tony Clark sits down with Staci Warden, CEO of the Algorand Foundation, to explore the future of crypto, stablecoins, and the role of blockchain in building more inclusive, efficient financial systems.Staci shares her journey from Wall Street and the U.S. Treasury to leading one of the most innovative blockchain foundations in the world. The conversation dives deep into how stablecoins work, what makes them trustworthy, and why Algorand’s energy-efficient, secure platform is well-positioned to power the next generation of decentralised finance.They also explore real-world use cases for blockchain—from programmable money to disaster relief—and discuss how stablecoins could reshape traditional finance, enable financial inclusion, and unlock new forms of value transfer.Topics covered:• Staci Warden’s path from JP Morgan to the Algorand Foundation• What makes stablecoins stable—and how they differ from other crypto• Algorand’s tech: instant finality, low fees, energy efficiency• How blockchain is helping drive transparency and accountability• The shift from hype to utility in the crypto space• Financial inclusion and identity in the digital era• The rise of programmable money and automated transactions• Integrating blockchain into traditional finance• Educating traditional finance professionals on Web3• Why the future may favor yield-bearing digital assets over fiat-backed stablecoinsTune in to hear how Algorand is building the foundation for a fairer, faster financial future—and what it takes to lead responsibly in the crypto era.Learn More:Go Beyond The Podcast for exclusive insights and resources (free of charge): Bit.ly/LondonFintechPodcastThe London Fintech Podcast: https://londonfintechpodcast.comTony Clark: https://www.linkedin.com/in/tclark100/Staci Warden: https://www.linkedin.com/in/staci-warden-b15268b9/ & https://x.com/StaciW_DCAlgorand Foundation: https://www.algorand.foundation/Read Write Own: Building the Next Era of the Internet: https://www.amazon.co.uk/Read-Write-Own-Building-Internet/dp/1529925623

In this special AI episode of the London Fintech Podcast, Tony Clark explores the transformative impact of AI in financial services—from practical applications to regulatory challenges, and everything in between.As AI adoption accelerates, Tony goes through a number of key insights covering what it takes to implement AI responsibly, how firms are moving from narrow to generative and Agentic AI models, and why data quality, ROI, and explainability are critical for success.We discuss real-world use cases, how leading institutions are embedding AI into their operations, and why the future of work will be defined by human-AI collaboration. Whether you're in tech, risk, strategy, or ops—this episode offers tangible insights to help you navigate the AI shift.Topics Covered:• The rise of generative and agentic AI in finance• AI for fraud detection, customer service & operational efficiency• Measuring ROI on AI projects• Navigating regulation, compliance & governance• AI as a coworker, not just a tool• Building AI literacy across financial institutions• Investing in data quality and explainable AI• Use cases for synthetic teams and autonomous agents• The future of finance: collaboration between people and machinesTune in to learn how AI is reshaping the financial sector—and what it takes to lead the change responsibly.

In this episode of the London Fintech Podcast, Tony Clark sits down with Elizabeth Rossiello, CEO and founder of AZA Finance, to explore how she's reshaping cross-border payments and foreign exchange across frontier markets in Africa and beyond.Elizabeth shares her journey from Wall Street to Nairobi, her groundbreaking work with BitPesa in launching digital currencies, and how AZA Finance is solving real-world problems through infrastructure, innovation, and deep local expertise. The conversation highlights the challenges of building a fintech across diverse and volatile markets, and the importance of representation, resilience, and culture in leading a global financial company.They also discuss AZA’s recent partnership with Dlocal, the growing role of stablecoins and AI in payments, and the importance of sticking to your values while building something that lasts.Topics covered:• From New York to Nairobi: Elizabeth’s founding story• Building BitPesa—the world’s first digital FX exchange• The evolution of mobile money and fintech in Africa• Why infrastructure, not hype, is the future of fintech• AZA Finance’s cross-border payments and FX strategy• How to lead in volatile frontier markets• The importance of diversity and representation in fintech• Culture as the engine of scale• The rise of stablecoins, 24/7 settlement & AI innovation• Lessons for female founders and fintech entrepreneurs• Why everything in business is cyclical—and persistence winsTune in to hear how AZA Finance is redefining payments in some of the world’s most dynamic markets—and what it really takes to lead with purpose and vision.

In this episode of the London Fintech Podcast, Tony Clark sits down with Mia Drennan, founder of Global Loan Agency Services (GLAS), to explore her remarkable entrepreneurial journey—from launching a business with just £6,000 to building a global company with over 400 employees managing $500 billion in assets.Mia shares what it takes to succeed as a female founder in a male-dominated fintech space, the evolution of loan agency services, and how innovation and digital transformation are driving the next chapter for GLAS. She reflects on the importance of resilience, building a strong network, and advocating for diversity in the investment community.The conversation is packed with insights on scaling a niche financial services firm, the power of a digital mindset, and the role of leadership in shaping inclusive and high-performing cultures.Topics Covered:• Adopting a dog from Antigua• Starting GLAS with £6,000 and scaling to £100M+ turnover• The importance of innovation in loan agency services• Why only 12% of fintech founders are women—and what needs to change• How GLAS grew to 400+ employees across 10 countries• Embracing a digital mindset to lead transformation• Lessons in risk-taking, resilience, and fearless leadership• Diversity as a growth driver in finance• Building a support network for female founders• What’s next for GLAS: global growth and digital accelerationTune in to hear Mia's inspiring story and her vision for the future of fintech.Learn More:Tony Clark: https://www.linkedin.com/in/tclark100/The London Fintech Podcast: https://londonfintechpodcast.comMia Drennan: https://www.linkedin.com/in/miadrennan/GLAS: https://glas.agency/Great CEOs are lazy: How exceptional CEOs do more in less time: https://www.amazon.co.uk/Great-Ceos-A...The Rest is Politics: https://www.youtube.com/@restispolitics#FinTech #FemaleFounders #Entrepreneurship #Innovation #Leadership #DiversityInFinance #LoanAgency #DigitalTransformation #WomenInBusiness #LondonFintechPodcast

In this episode of the London Fintech Podcast, Tony Clark sits down with Pete Wickes, General Manager for Global Enterprise at Worldpay, to unpack the fast-evolving landscape of payments and the innovations redefining how money moves around the world.Pete shares insights from his extensive experience leading Worldpay’s global operations, exploring the rapid acceleration of digital payment methods, the rise of wallets and account-to-account transactions, and why understanding consumer behaviour is crucial for innovation. The conversation highlights Worldpay’s role in powering billions of transactions globally and how merchants today have more choice than ever in how they accept payments.They discuss the broader payments ecosystem—from acquirers to PSPs—and what the future might look like as digital currencies, embedded finance, and alternative payment rails continue to gain momentum. Pete also reflects on the importance of staying close to the market through industry events and customer conversations.Topics Covered:• Being an avid football fan • How the global payments ecosystem is evolving• The role of WorldPay in powering billions of transactions• Why merchants now have more options than ever• The rise of account-to-account payments and digital wallets• Cash isn’t dead—but it’s changing• Key innovations shaping the next phase of payments• Why consumer preference should drive product design• What’s next: digital currencies, real-time payments, and embedded financeWhether you're a fintech innovator, payments professional, or just curious about where the future of transactions is headed, this episode offers a front-row seat to the transformation underway in the global payments space.

In this episode of the London Fintech Podcast, Tony Clark sits down with Andrew McKibben, Head of International Technology and CIO for Global Corporate & Investment Banking at Bank of America, to explore how one of the world’s largest financial institutions is using technology, AI, and innovation to stay ahead in a rapidly changing industry.Andrew shares insights on the strategic role of technology in banking, how AI and machine learning are reshaping financial services, and why customer-centric innovation is key to long-term success. He also discusses the challenges of modernising legacy systems, the importance of fostering a culture of innovation, and how the bank is investing in talent and cutting-edge technology to drive growth.The episode also touches on the importance of patents in fintech, how Bank of America has secured over 7,000 patents, and why continuous investment in technology—over $13 billion annually—is a critical factor in staying competitive. Andrew highlights the mindset required to embrace change and push technological boundaries.Topics Covered:• The importance of curiosity as a career foundation (and starting out with a Sinclair Spectrum...)• Technology as a strategic enabler for the business • Really (really) listening to customers • Spending $13 billion a year on technology, whilst also being agile and innovative across 35 countries • The impact of AI and machine learning on financial services • Bank of America as the most patented Financial Institution in the industry• Why investing in employees is just as important as investing in tech • Always being there to support clients • Getting out of your comfort zone to drive personal and professional growth Tune in to discover how Bank of America is shaping the future of banking through innovation, technology, and a relentless focus on customer needs.Learn More:Tony Clark: https://www.linkedin.com/in/tclark100/The London Fintech Podcast: https://londonfintechpodcast.comAndrew McKibben: https://www.linkedin.com/in/andrew-mckibben-0204691/Bank of America: https://www.bankofamerica.com/Thinking, Fast and Slow: https://www.amazon.co.uk/Thinking-Fast-Slow-Daniel-Kahneman/dp/0141033576The Singularity is Nearer: https://amzn.eu/d/26PBJTA#FinTech #BankingInnovation #ArtificialIntelligence #MachineLearning #CustomerCentric #BankofAmerica #TechLeadership #DigitalTransformation

In this episode of the London Fintech Podcast, Tony Clark is joined by EJ Achtner, former Group Head of Generative AI Capabilities at HSBC, to explore the transformative power of AI in the financial services industry. They delve into what it really takes to implement AI at scale in highly regulated, complex environments and the potential challenges and opportunities this presents.EJ shares insights into leading enterprise-level AI transformation, from the early days of tools like ChatGPT to establishing robust governance frameworks and aligning AI strategies with business goals. The conversation goes beyond the buzzwords, focusing on how AI can drive productivity, improve customer outcomes, and unlock innovation when used responsibly.They discuss the common hurdles that prevent AI projects from progressing beyond the proof of concept, the importance of data quality, and how strong model risk management is crucial for successful AI adoption. EJ also highlights the importance of human oversight in high-stakes environments and the role of cross-functional collaboration in ensuring successful outcomes.Topics Covered:• AI has reached a turning point in accessibility and real-world impact• Successful adoption requires strong governance, clear business goals, and strategic leadership• Generative AI must be treated as an enabler, not a silver bullet• Human oversight and cross-team collaboration are essential for managing risk• Organisations must focus on data quality and upskilling their workforce to keep paceWhether you’re in strategy, tech, or operations, this episode offers valuable, practical insights for embedding AI within your organisation and doing it the right way.

Watch the video version on YouTube: https://www.youtube.com/watch?v=DUTLS4v9N_MIn this episode of the London Fintech Podcast, Tony sits down with Pierre-Antoine Dusoulier, founder of iBanFirst, one of Europe's fastest-growing fintech companies specialising in cross-border payments.They explore the complexities of international transactions, Pierre-Antoine’s entrepreneurial journey, and what makes IBAN First stand out in a competitive market. From funding strategies to the role of technology in financial services, this conversation is packed with valuable insights for fintech founders, investors, and business leaders.The episode also dives into the challenges SMEs face in managing global payments, the importance of transparent pricing, and how investing in talent and technology is essential for long-term success.Topics Covered:• The $200 trillion cross-border payments market opportunity• Self-funding vs. VC vs. PE – choosing the right funding strategy• Why client satisfaction is key to scaling a fintech business• How IBAN First is simplifying payments for 10,000+ SMEs• The power of transparent pricing as a competitive advantage• The role of technology in driving fintech innovation• Carving out a niche in a crowded financial services market• Building a house from scratch in France • The importance of social wealth and the 5 types of wealth Tune in now to discover how IBAN First is revolutionising cross-border payments and what it takes to build a successful fintech startup!Tony Clark: https://www.linkedin.com/in/tclark100/The London Fintech Podcast: https://londonfintechpodcast.com Pierre-Antoine Dusoulier: https://www.linkedin.com/in/pierre-antoine-dusoulier-b1b8202/ IBAN First: https://www.ibanfirst.com The 5 Types of Wealth: https://www.amazon.co.uk/Types-Wealth-Transformative-Guide-Design/dp/0008623201

In this episode of the London Fintech Podcast, Tony sits down with Pierre-Antoine Dusoulier, founder of iBanFirst, one of Europe's fastest-growing fintech companies specialising in cross-border payments.They explore the complexities of international transactions, Pierre-Antoine’s entrepreneurial journey, and what makes IBAN First stand out in a competitive market. From funding strategies to the role of technology in financial services, this conversation is packed with valuable insights for fintech founders, investors, and business leaders.The episode also dives into the challenges SMEs face in managing global payments, the importance of transparent pricing, and how investing in talent and technology is essential for long-term success.Topics Covered:• The $200 trillion cross-border payments market opportunity• Self-funding vs. VC vs. PE – choosing the right funding strategy• Why client satisfaction is key to scaling a fintech business• How IBAN First is simplifying payments for 10,000+ SMEs• The power of transparent pricing as a competitive advantage• The role of technology in driving fintech innovation• Carving out a niche in a crowded financial services market• Building a house from scratch in France • The importance of social wealth and the 5 types of wealth Tune in now to discover how IBAN First is revolutionizing cross-border payments and what it takes to build a successful fintech startup!

In this episode of the London Fintech Podcast, Tony sits down with Shameer Sachdev, an expert in FinTech marketing, to explore the rapidly evolving landscape and the strategies that drive growth in a competitive market.Shameer shares insights on the critical role of creativity in FinTech marketing, the power of effective messaging, and the potential of influencer marketing to enhance brand awareness. The conversation dives into how AI can boost marketing efficiency, the importance of regular customer engagement, and the significance of analytics in measuring success.The episode also touches on the unique challenges of global expansion and the need to leverage new media channels to reach younger audiences. Shameer emphasises the value of "zigging when others zag" to gain a competitive edge in the dynamic FinTech space.Topics Covered:The evolving landscape of FinTech marketingBeing an astronaut in your spare time...The role of creativity in driving effective strategiesUnderstanding customer pain points for better messagingFinding your 'Finfluencer'...Leveraging AI for improved marketing output and efficiencyThe importance of customer feedback in adapting strategiesNavigating global expansion and understanding market dynamicsUtilising new media channels to engage younger audiencesThe fundamental role of analytics in tracking successStanding out by "zigging when others zag"Tune in to discover actionable strategies and key insights to help your FinTech thrive in a rapidly changing market.

Watch the video episode on YouTube: https://www.youtube.com/watch?v=xQt73hUb5Zs&t=756sIn the latest episode of the London Fintech Podcast, we sit down with Ellison Anne Williams, founder and CEO of Enveil, to explore the critical role of data privacy and privacy-enhancing technologies (PETs) in the fight against financial crime.Ellison Anne shares her expertise in homomorphic encryption and secure data collaboration, highlighting how financial institutions can leverage sensitive data while maintaining compliance with evolving regulations. The discussion covers key challenges in data privacy, the importance of operational pilots, and how PETs are reshaping the regulatory landscape.The episode also examines the cultural barriers that hinder data sharing, the UK’s leading role in PET adoption, and how institutions can quantify the return on investment for secure data-sharing initiatives. Ellison Anne offers invaluable insights into entrepreneurship, the power of belief in one’s vision, and the future of privacy in fintech.Topics Covered:• The growing importance of data privacy in financial services• How PETs enable secure cross-border data collaboration• Advancements in homomorphic encryption and secure computation• The role of operational pilots in demonstrating PET effectiveness• Regulatory trends shaping the future of privacy and compliance• Cultural and institutional barriers to effective data sharing• The UK’s pioneering role in privacy-enhancing technology adoption• How financial institutions can measure the ROI of PETs• Why education and awareness are crucial for technology adoption• Lessons in entrepreneurship and leadership from Ellison AnneTune in to discover how cutting-edge privacy technologies are transforming financial services and the fight against financial crime.Learn More:Tony Clark: https://www.linkedin.com/in/tclark100/The London Fintech Podcast: https://londonfintechpodcast.comEllison Anne Williams: https://www.linkedin.com/in/ellison-anne-williams-98102a127/Enveil: https://www.enveil.com/

Watch the video episode on YouTube: https://www.youtube.com/watch?v=TSNW5yhQhq8In this insightful episode of the London Fintech Podcast, we sit down with Alistair Hegge, co-founder of DA Insured, to explore the challenges and opportunities of building a FinTech startup in the rapidly evolving digital asset insurance market.Alistair shares his journey in launching DA Insured, an insure-tech company bridging the gap between Web3 and traditional insurance. He highlights the importance of product validation, automation, and AI in streamlining operations and scaling a fintech business. The conversation delves into the unique challenges of insuring digital assets, the role of partnerships in navigating emerging markets, and the future of tokenisation and regulation in the space.The episode also covers essential startup insights, including strategic decision-making, continuous product refinement, and the importance of understanding client needs. Alistair offers valuable advice for entrepreneurs looking to enter the fintech and insure-tech landscape.Topics Covered:• The journey of building DA Insured and entering the insure-tech space• How digital asset insurance is evolving in the Web3 ecosystem• The importance of product validation for startup success• Using AI to automate the go-to-market for 200 target clients• The role of partnerships in establishing credibility in emerging markets• Continuous iteration and refinement in product development• How client interviews help shape and improve fintech offerings• The current challenges and future potential of insuring digital assets• The necessity of a solid incident response plan for trust and recovery• Trends in tokenisation and regulatory advancements in the digital asset spaceTune in to discover how FinTech innovation and insure-tech solutions are shaping the future of digital assets and financial protection.Learn More:Tony Clark: https://www.linkedin.com/in/tclark100/The London Fintech Podcast: https://londonfintechpodcast.comAlistair Hegge: https://www.linkedin.com/in/alistair-heggie/DA Insured: https://dainsured.com/

Watch the video version on YouTube: https://www.youtube.com/watch?v=QVKwUaypz9QIn this special episode of the London Fintech Podcast, we sit down with Simon Torrance, an expert in AI and business model transformation, to explore the emerging world of Agentic AI and its profound implications for businesses.Simon shares his journey in helping enterprises navigate AI-driven change and the founding of his advisory firm, AI Risk. He explains how Agentic AI is revolutionising industries, from customer service and consulting to operational automation, and why companies must adopt a strategic approach to AI to stay competitive.The episode explores the rise of synthetic workforces, real-world case studies showcasing AI outperforming human agents, and the role of governance and ethics in AI deployment. Simon also highlights the changing economics of business due to AI advancements and provides actionable insights for organisations preparing for the AI-driven future.Topics Covered:• Simon’s career journey and the founding of AI Risk• What is Agentic AI, and why does it matter?• The infinite supply of cost-effective synthetic workers• How AI agents are transforming customer service and business operations• The strategic risks of AI adoption and how to mitigate them• AI’s role in augmenting human capabilities rather than replacing them• The disruption of traditional consulting models through AI automation• Why AI-driven businesses must align with governance and ethical frameworks• The future of AI in business, financial services, and beyondTune in to learn how agentic AI is reshaping the business landscape and how companies can harness its power for growth and innovation.

Watch the video version on YouTube:In this insightful episode of the London Fintech Podcast, we sit down with Francesco Filia, founder of Fasanara Capital, to explore the transformative landscape of private credit and fintech lending.Francesco shares his journey from traditional banking to building Fasanara Capital, a digital finance asset manager redefining lending practices with cutting-edge technology. Drawing on his background in derivatives, Francesco provides a unique perspective on the opportunities and challenges within the private credit market and the importance of aligning the interests of lenders and borrowers.The episode highlights key market trends, including the decentralisation of traditional banking, the rise of institutional interest in uncorrelated returns, and the integration of fintech and blockchain as drivers of future growth. Francesco also reflects on the lessons learned from past failures and offers valuable advice for aspiring fintech entrepreneurs.Topics Covered:• Francesco Filia’s career journey: from traditional banking to fintech innovation• How Fasanara Capital leverages technology to streamline lending processes• The rapid growth and potential of the private credit market• The importance of aligning interests between lenders and borrowers• Why institutional investors are drawn to uncorrelated returns in private credit• Decentralisation as a key trend shaping the lending landscape• The role of fintech and blockchain in the future of lending• Lessons learned from past failures and their value for new ventures• Practical advice for entrepreneurs entering the fintech spaceKey takeaway: Private credit is a dynamic, rapidly evolving market with vast opportunities for innovation, and leveraging technology is essential for shaping its future.If you’re curious about fintech lending, private credit, or how technology is transforming finance, this episode is a must-listen!Learn More:Tony Clark: https://www.linkedin.com/in/tony-clark-07160b/The London Fintech Podcast: https://londonfintechpodcast.nxwave.ukFrancesco Filia: https://www.linkedin.com/in/francesco-filia-aa178b/Fasanara Capital: https://www.fasanara.com/

Watch the video episode on YouTube: https://www.youtube.com/watch?v=FFEJpYz7hgwIn this thought-provoking episode of the London Fintech Podcast, Tony Clark interviews Dan Awrey, a professor of law at Cornell Law School and the author of Beyond Banks. The conversation delves into the intersection of technology, law, and financial institutions, exploring the evolution of banking and payments, the transformative impact of fintech innovations, and the regulatory challenges facing this rapidly evolving landscape.Drawing on his expertise in financial market infrastructure, Dan shares a vision for a new regulatory framework to address the emerging shadow monetary system and shifting consumer expectations in the digital age. He discusses the future of banking and payment systems, advocating for a model that reduces reliance on traditional financial intermediation, grants technology firms access to central bank reserve accounts, and prioritises competition to drive innovation and enhance consumer welfare.The episode offers valuable insights for financial institutions, policymakers, and anyone interested in the future of finance, as Dan outlines practical steps to navigate the challenges and opportunities of a technology-driven financial ecosystem.Topics Covered:•Dan Awrey’s career journey: fintech to law and academia•Key insights from Beyond Banks: the intersection of technology and finance•How fintech innovations are reshaping consumer behaviour and banking models•Challenges for traditional banks in adapting to rapid technological change•The rise of non-bank payment platforms and shifting consumer preferences•The need for a new UK regulatory framework to accommodate financial technologies•The growing shadow monetary system and its implications•Access to central bank reserve accounts as a key to fostering competition•Governance frameworks that balance innovation with public good priorities•Historical perspectives on banking as a guide for future innovationsTune in to discover how technology is redefining finance, what’s next for regulation, and how collaboration between fintechs and traditional institutions can shape a better financial future.

Watch the video episode on YouTube: https://youtu.be/7M7njXxafNgIn this insightful episode of the London Fintech Podcast, we sit down with Nick Rose, CFO of Enable, a pioneering FinTech company revolutionising rebate management. This is an episode for CFOs and deal-makers alike. Whilst rebate management as a concept may not be immediately familiar to all, once we understand that it’s any deal structure where money flows back up the deal chain based on hitting thresholds and targets, we can see that Enable is digitising a vast and often overlooked aspect of the market.There is a great story here of transitioning from traditional finance in an established bricks & mortar business, to a scale-up SAAS company backed by Silicon Valley.Nick shares his inspiring journey from a traditional accounting career at EY and Travis Perkins to becoming a key leader in a fast-growing technology company. Drawing on his wealth of experience, he explains the complexities of rebate systems, the importance of collaboration between trading partners, and how Enable’s innovative software transforms rebate management, reducing the reliance on spreadsheets.The episode explores Enable’s remarkable growth, expanding from just 55 employees to over 650, and the integral role of flexibility and understanding customer needs in the company’s success. Nick also discusses how AI-powered analytics are poised to enhance decision-making for their customers, and he offers invaluable advice for aspiring entrepreneurs looking to make an impact in the FinTech space.Topics Covered:• Nick’s career journey, from EY to Travis Perkins and Enable• How Enable’s software simplifies rebate management• The importance of collaboration in trading relationships• Enable’s growth trajectory and scaling challenges• The role of AI in shaping the future of rebate management• Why understanding customer needs drives product development• The significance of a supportive board in achieving growth• Flexibility as a cornerstone of operational success• Insights into the fast-paced, dynamic FinTech environment• Practical advice for entrepreneurs: solve real customer problemsTune in to learn how FinTech innovation can transform complex processes and create value for businesses everywhere.Tony Clark: https://www.linkedin.com/in/tony-clark-07160b/The London Fintech Podcast: https://londonfintechpodcast.comNick Rose: https://www.linkedin.com/in/nick-rose-81ba318a/Enable: https://www.enable.com/ 

Watch the video episode on YouTube: https://www.youtube.com/watch?v=1P2WLceLQ8A&t=2sIn this special episode of the London Fintech Podcast, we are privileged to talk with Michael Manelli, the 695th Lord Mayor of London. Michael shares his extraordinary career journey, spanning from his early days in aerospace at Lockheed Martin to becoming a key figure in financial services, fintech, and leading the CIty of London. As a Chartered financial accountant, economist, author, and scientist, Michael discusses the wide-ranging initiatives he championed during his year as Lord Mayor, including mental health research, sustainable finance, Ethical AI, and Space Protection.The episode also dives into the City of London’s unique governance structure and its role as a global fintech hub. Michael provides fascinating insights into the integration of finance, science, and technology, as well as the evolving role of the Lord Mayor in shaping the city’s future.Topics Covered:• Michael’s diverse career and path to becoming Lord Mayor of London• The Lord Mayor's job - Global initiatives, leading the City, pageantry, speeches & costume changes• London’s status as a global fintech hub and its governance model• Initiatives Michael made including mental health, sustainability, Ethical AI & Space Protection• The intersection of finance, science, and technology in the City of London• Innovations in environmental sustainability and emissions trading• The role of the Lord Mayor in global leadership and governance• The future of fintech, ethical AI, and environmental responsibility in the financial sectorTune in for an enlightening conversation on leadership, innovation, and the future of fintech in the heart of London.Learn More:Tony Clark: https://www.linkedin.com/in/tony-clark-07160b/The London Fintech Podcast: https://londonfintechpodcast.nxwave.ukMichael Mainelli: https://www.mainelli.org

Watch the video episode on YouTube: https://www.youtube.com/watch?v=oXa2V8bRufAIn this episode of The London Fintech Podcast, Tony Clark sits down with Duncan Stevens, Founder of Gretel, to discuss the platform’s mission to reconnect individuals with lost financial assets. Duncan shares how his entrepreneurial journey was shaped by his early life experiences and a strong desire to create purpose-driven solutions. He reflects on the challenges of launching Gretel during the COVID-19 pandemic and highlights the platform’s unique approach to tackling the issue of stranded financial assets in the UK. The conversation explores the social and financial impact of Gretel, including its inclusive design and success in reuniting consumers with tens of millions of pounds. Duncan delves into the scalability of Gretel’s two-sided marketplace model and its focus on fostering trust between financial institutions and consumers. He also provides valuable advice for aspiring entrepreneurs, emphasising the importance of purpose over profit and the need for accessible innovation. Topics Covered:• Duncan’s career journey and inspiration for founding Gretel• The problem of stranded financial assets in the UK• Gretel’s design principles: inclusivity, accessibility, and ease of use• How Gretel operates as a two-sided marketplace• Growth potential within the financial sector and future expansion plans• Challenges of launching during the pandemic• The role of purpose-driven entrepreneurship• Predictions for the future of asset reunification and financial inclusion Tune in to learn how Gretel is reshaping the financial landscape by addressing a critical problem and empowering consumers to reconnect with their forgotten assets. Learn More: Duncan Stevens: https://www.linkedin.com/in/duncan-stevens/Gretel: https://www.gretel.co.uk/Tony Clark: https://www.linkedin.com/in/tony-clark-07160b/The London Fintech Podcast: https://londonfintechpodcast.com/

Watch the video version on YouTube:https://www.youtube.com/watch?v=vgYg4tPP48AIn this episode of The London Fintech Podcast, Tony Clark sits down with Aman Ghei to look at the state of Fintech in Europe.Aman shares his journey from M&A banking, working at Accel and Facebook and games development, to building a career in venture capital. Aman reflects on how these experiences have influenced his approach to investing in post-revenue companies across sectors like payments, banking, and insurance technology.The conversation explores the current state of European Fintech, including the growing prominence of local investors, the impact of economic challenges on valuations, and the opportunities emerging in thriving markets like Germany and the Nordics. Aman delves into the complexities of the investment landscape, emphasising the importance of capital efficiency and highlighting trends in mergers and acquisitions.Aman also provides insights into lucrative verticals like payments and the strategic advantage of focusing on the mid-market in Europe. He shares practical advice for navigating the Fintech space, predicting the continued rise of "useful AI" and the shifting dynamics of the market.Topics Covered:Aman’s career journey and Finch Capital’s focus on post-revenue Fintech investmentsFinch Capital's 9th Annual European Fintech ReportKey investment trends across Europe, including country-specific opportunitiesThe evolving role of local investors in driving growthChallenges and opportunities in the current economic cycleMid-market investment focusInsights into thriving sectors like banking, payments, and insurance technology (BNPL, Stablecoins and InsurTech)Complexities of valuation in Fintech and the importance of capital efficiencyThe strength of the European PE sector (Eur 50-500m)The UK as the major European Fintech hubThe "Rule of 40"German private capital focusThe Nordic & Polish fintech sceneBeing commercial from the startPredictions for the future of European Fintech, including M&A activity and market consolidationTune in to gain a deep understanding of the European Fintech ecosystem and learn how investors like Aman Ghei are shaping its future.Learn More:Aman Ghei: https://www.linkedin.com/in/amanghei/Finch Capital: https://www.finchcapital.com/State of European Fintech report: https://finchcapital.com/post/state-of-european-fin-tech-2024Tony Clark: https://www.linkedin.com/in/tony-clark-07160b/The London Fintech Podcast: https://londonfintechpodcast.com/

Watch the video version on YouTube: https://www.youtube.com/watch?v=C1M4ODqxthw&t=973sIn this episode of the London Fintech Podcast, Tony Clark sits down with Qin En Looi, a leading figure in the Asia fintech space, to explore the future of digital assets and the convergence of fintech and blockchain technology. Qin shares his journey from a traditional Singaporean upbringing to becoming a successful entrepreneur and investor, co-founding Glints and leading Saison Capital. He reflects on how these experiences shaped his understanding of fintech’s potential in Southeast Asia. The conversation covers blockchain's evolution, the growing institutional interest in digital assets, and the importance of trust within the crypto space. Qin emphasises the role of tokenisation in the future of finance, particularly in streamlining transactions and overcoming the limitations of traditional systems like SWIFT. They also discuss how fintech innovation is accelerating in Southeast Asia, the challenges of tokenised assets, and the critical importance of choosing the right technology and jurisdiction for protection. Qin also offers practical advice for entrepreneurs in fintech, stressing the importance of learning to sell, building strong distribution networks, and how financial discipline is crucial as the fintech sector undergoes a phase of consolidation. Topics Covered: • Qin's background, dropping out and then completing a Stanford degree in half the time (and achieving top marks!)• The potential of digital assets and blockchain technology in fintech • The rise of tokenisation and its impact on the financial industry • Importance of trust and regulatory clarity for blockchain adoption • Challenges and opportunities for startups in the digital asset space • Insights into fintech’s growth in Southeast Asia and global liquidity trends • The convergence of fintech and blockchain technology • Practical advice for entrepreneurs: mastering sales and distribution • The role of institutional finance in the digital asset ecosystem Learn More:  Chinen Lui: https://www.linkedin.com/in/looiqinen/Saison Capital: https://www.saisoncapital.com/ Tony Clark: https://www.linkedin.com/in/tony-clark-07160b/  NextWave: www.nxwave.com

Watch the video version on YouTube: https://youtu.be/Tk_Qg5Lkiw0In this episode of the London Fintech Podcast, Tony Clark sits down with Jordan Sinclair, President of Robinhood UK, to explore Robinhood’s ambitious global expansion, with a particular focus on its UK market entry.Jordan brings a wealth of experience from his diverse career, and is now leading Robinhood’s mission to democratise finance by offering commission-free trading, fractional shares, and innovative 24/5 trading access to a broader audience.Jordan shares insights into his unique journey and Robinhood’s customer-centric approach, emphasising the importance of financial education, localising products to meet specific needs, and addressing underrepresented groups within the UK market.This conversation delves into Robinhood’s strategy for market disruption, its revenue model, and the role technology—especially AI—plays in enabling scalable growth. They also discuss the UK investing environment and Robinhood’s financial literacy initiatives, along with the company’s approach to diversity and inclusion in shaping its customer base.The episode provides an in-depth look at Robinhood’s approach to sustainable growth and how the company uses its technological edge to stand out in a competitive fintech landscape. Jordan also opens up about maintaining a work-life balance, staying informed, and Robinhood’s plans for future advancements to continue scaling its operations.Topics Covered:Jordan’s career journey and insights into Robinhood’s UK market strategyRobinhood’s mission to democratise finance and innovative features like 24/5 tradingThe role of financial education and localisation in product developmentStrategic approaches to market disruption, marketing, and growth • Robinhood’s revenue model, including diverse income streamsThe importance of technology in Robinhood’s expansion and customer engagement • Insights into the UK investing environment and the future of fintechDiversity, inclusion, and broadening financial accessStaying ahead with AI-driven solutions and scaling technologyBalancing professional growth with personal well-beingRobinhood’s vision for the future of finance and upcoming advancementsTune in to gain a comprehensive understanding of Robinhood’s strategy for global growth and how the company is paving the way for the next generation of fintech innovation.Learn More: Jordan Sinclair: https://www.linkedin.com/in/jordan-sinclair-36827142/Robinhood UK: https://robinhood.com/gb/en/Tony Clark: https://www.linkedin.com/in/tony-clark-07160b/NextWave: https://www.nxwave.com

Watch the video version on YouTube: https://youtu.be/ny7vDFIVhkoIn this episode Tony Clark sits down with Paul Caulfield for a deep dive into the troubling world of Financial Crime.Paul is a practising attorney. He’s been a chief legal officer and a chief risk officer at major Financial Institutions, and he’s worked with pretty much all the market regulators in the sector, including the Department of Justice, the OCC, OFAC, and the Fed. Paul is also an adjunct professor at Fordham Law in New York.This is a ‘must-listen’ for anyone in the Risk, Compliance or Legal space.This conversation centres on Money Laundering and Cyber Crime as two key dimensions of the criminal activity challenge that the FS sector faces. In today’s market, illegal activity manifests in so many different ways and some surprising places. Paul shares some of his practical stories of the threats, regulations and remedies that firms must pay attention to.Topics covered include: The Growing Threat of Financial CrimeIntroducing Paul Caulfield: Expert in Financial CrimeRegulatory Challenges and InnovationsThe Role of Technology in Combating Financial CrimeMoney Laundering innovations in surprising places – diamonds, gaming & cryptoThe Importance of Collaboration in Financial SecurityLeveraging AI and Technology for Better ComplianceThe Future of Financial Crime PreventionVoice & Avatar Synthesis and Cyber AttacksReal-Life Scenarios of CybercrimeThe Rise of Romance Scams and Social EngineeringElection Security and Media InfluenceThe Dark Web and Cybercrime as a ServiceRegulations and the Role of Citizen ActivismThe Future of Cybersecurity and Financial CrimePersonal Reflections and the Impact of 9/11The Importance of Cyber Hygiene and Human FactorsUnexpected Inspirations: Japanese HaikuLearn more: Paul Caulfield: https://www.linkedin.com/in/paulcaulfieldny/Tony Clark: https://www.linkedin.com/in/tony-clark-07160b/NextWave: https://www.nxwave.com

 Watch the video version on YouTube: https://youtu.be/7NHLjXfhNqQIn this episode of the London Fintech Podcast, Tony Clark is joined by Louis Glass, the head of CMS’ TMT-sector M&A group in the UK, Managing Partner of the firm’s Tel Aviv office, and a member of the management board.Louis brings a wealth of experience as a corporate lawyer with specialist expertise in tech, internet, and e-commerce transactions. His career spans over two decades, including extensive cross-border work for multinationals, startups, and venture capital funds. Louis’ journey into the world of law and fintech is as unique as it is impressive.Tech-obsessed from a young age, he was writing database software by the age of 15. Today, his work revolves around complex international transactions, particularly in the tech sector, where he represents clients across 45 countries.This conversation explores the intersection of law, technology, and fintech, focusing on how legal frameworks can support innovation while ensuring compliance in the ever-changing regulatory environment.Louis also opens up on his personal journey, mental wellness and the vital importance of team and company culture.Louis offers key insights into navigating the legal challenges fintech companies face, from securing licenses to managing cross-border transactions, and balancing rapid growth with stringent regulatory standards.Throughout the episode, Louis provides practical advice for fintech leaders, sharing how companies can leverage legal expertise to innovate while staying compliant. He also touches on the future of regulation in fintech and how businesses can anticipate and adapt to evolving legal landscapes.Topics covered include: Louis’s journey from writing software to leading M&A transactions in the tech and fintech sectors.The twin ‘fairytales’ of company law and money.Resilience, mental health & corporate culture.The critical relationship between legal frameworks and fintech innovation.Balancing regulatory compliance with business growth in a global context.Managing cross-border transactions and securing licenses in different jurisdictions.The future of fintech regulation and how businesses can stay ahead.Aligning legal teams with business objectives to drive long-term success.Louis’s experience working across the UK, US, and global markets.Practical strategies for legal professionals in the fintech space.Building trust with regulatory bodies through proactive compliance.Insights from Louis’s work across over 45 countries.Interesting reads (and podcasts…)Learn more: Louis Glass: https://cms.law/en/gbr/people/louis-glassCMS: https://cms.law/en/gbr/Tony Clark: https://www.linkedin.com/in/tony-clark-07160b/NextWave: https://www.nxwave.com

Watch the video version on YouTube: https://youtu.be/go9S3Ta0xtYIn this episode of the London Fintech podcast, Tony Clark talks to Sarah Levy.Sarah has over 25 years of experience launching and growing new brands, however Sarah’s journey to FS is an unconventional one, having crossed over only 4 years ago from a super successful career with Disney, Nickelodeon and Viacom, to leading one of the fastest growing and most progressive digital wealth management firms in the US. There are approximately 60,000 wealth firms globally of all sizes offering propositions that span pure advisory, self-directed, robo-advisory and hybrid models in a market characterised by shifting demographics, consolidation and new asset classes. So how do firms differentiate and get ahead?This conversation explores Betterment’s use of technology for competitive advantage and delivering a purpose-led wealth solution to the “zillennial” generation of investors.Sarah shares her unique insights on building targeted consumer brands for specific demographics and customer segments, the power of hyper-personalisation, and the misalignment between traditional firms and the digitally accelerating ecosystem. “If Schwab and Fidelity and Vanguard are my parents brands, Betterment will be the Zillennial wealth brand”.Additionally, she provides some really practical insight for C Suite leaders and fintech entrepreneurs on building a growth company, transitioning to fintech, building customer loyalty, and creating a balanced corporate culture.Moving from big-media to Wealth ManagementTransforming businesses for the Digital AgeThe importance of brand in all sectorsSolving problems for customers and laser focusThe ‘Zillennial’ generation need for technology driven solutionsThe direction of the Wealth Management sector“Selling eat your vegetables while some of the others were offering candy” during the pandemicHow Important is Enterprise scale for Wealth Firms?Betterment’s Mission – making people’s lives betterHow Betterment WorksDigital vs Real Life advisorsBetterment’s Portfolio StrategyBetterment’s Market Positioning as a FinTechHow Betterment Differentiates from CompetitorsSimplicity and the elegance of the user experienceSarah’s Team Building Journey and Betterment’s CultureFood as a team-builder..The Rise of AI in Wealth ManagementSarah’s Challenges and learning every daySwitching from corporate to fintechFuture Plans for BettermentWhere to Learn MoreLearn more: Sarah: https://www.linkedin.com/in/sarah-kirshbaum-levy-889881a1/Betterment: https://www.betterment.comTony: https://www.linkedin.com/in/tony-clark-07160b/NextWave: https://www.nxwave.com

Watch the video version on YouTube: https://youtu.be/-thOpJvMmF8Which bank was the first UK clearing bank in 250 years, grew income 91%, last year despite the fintech downturn, doubled its deposits and provides banking services to 250 companies, including 16 other banks?In this episode of the London FinTech podcast, Tony Clark is joined by Charles McManus, Founding CEO of ClearBank.Charles is an international banking professional with over 30 years in global investment banking, wealth management and retail. Before ClearBank, he was the group CFO of RBS Ulster Bank and spent 13 years at the Royal Bank of Canada, where he became CFO for Europe and Asia and Global Head of Product Control.This conversation explores ClearBank’s pioneering role in embedded banking and its remarkable growth and success. Charles offers deep insights into the firm’s journey, its innovative solutions, and its leadership in the fintech sector.Topics include the future of embedded banking, ClearBank’s successful navigation of regulatory challenges, and the expansion into Europe post-Brexit. Additionally, Charles shares his personal experiences, stress management strategies, and advice for fintech entrepreneurs.Topics covered include:ClearBank’s remarkable journey to-dateCharles’ background & career JourneySetting up ClearBank in Europe post-BrexitLearning to ride a horse at 50..The Fintech revolution and the Embedded Banking sectorClearBank’s business modelBanking for banksStablecoin and tokenised depositsClearBank’s competitive landscape and differentiatorsTech company vs bankHiring an amazing team & psychometric testingAgile workingAI in the Embedded Banking sectorFuture plans for ClearBankAdvice to aspiring entrepreneurs, including those thinking of swapping the corporate world for the fintech worldLearn more: Charles: https://www.linkedin.com/in/charles-mcmanus-/ClearBank: https://clear.bankTony: https://www.linkedin.com/in/tony-clark-07160b/NextWave: https://www.nxwave.com 

Watch the video version on YouTube: https://youtu.be/j5HZhwSuVy4In this episode of the London Fintech podcast, Tony Clark talks to Niall Cameron. They explore Niall’s journey from heading trading teams to leading digital transformation at HSBC and now building a unique Fintech community through FinTech Connex.There are by some estimates over 26, 000 FinTechs globally. However, as this audience will know, the sector has been on a rollercoaster ride since 2020. Post COVID FinTech funding dropped dramatically in 23 and in investment terms, the first half of last year was down 57 percent year on year versus 2022. Q1 24 this year was the worst performing fintech quarter since the start of 2020.However, it’s not all gloom and doom. There is optimism across the sector from both the investment community and the fintechs themselves, particularly for those firms who have a clear niche product, a rapid growth rate and effective partnerships. A lot of this is down to product focus and leveraging the fintech ecosystem, something that Niall is an expert in.Niall shares his insights on achieving product-market fit, staying ahead of trends, and the importance of narrowing focus for deep expertise. Additionally, he provides practical advice for fintech entrepreneurs on making their products more buyable and actionable in a swiftly evolving industry landscape.Niall, not just had a stellar career in trading, rising to the top of his business with several thousand traders reporting to him at one point, but he also made a successful move to digital leadership at one of the world’s largest banks and more recently. built a unique fintech community and network business across the sector.Meet Niall Cameron: A Fintech ConnectorThe State of the Fintech IndustryUrban art & meeting Banksy (maybe..)Niall’s Career Journey and InfluencesTransition to Digital LeadershipThe Birth of FinTech ConnexChallenges and Opportunities in FintechMice dancing with elephantsSegmenting and Labeling Products for Different ClientsThe Role of AI in Transformational SolutionsAI’s Impact on Various Financial SectorsChallenges and Strategies for FinTech CompaniesFuture Trends and Predictions in FinTechNavigating AI Adoption and Corporate ChallengesFinal Thoughts and Advice for FinTech EntrepreneursWhere to learn more & Connector invitation…Learn more: Niall: https://www.linkedin.com/in/niall-cameron-8a1aab6/FintechConnex: https://fintechconnex.comTony: https://www.linkedin.com/in/tony-clark-07160b/NextWave: https://www.nxwave.com 

Watch the video version on YouTube: https://youtu.be/j5HZhwSuVy4In his inaugural episode of the London Fintech Podcast, host Tony Clark takes over from Mike Baliman and takes a deep dive into the world of AI powered forensic accounting.Research shows that 1 in 10 US firms are cooking the books and that accounting manipulation is a $4.7Tn industry problem, in the US alone. Transparently has built an AI platform that can detect and score accounting manipulation, often years ahead of corporate collapse!Tony talks with Dr. Hamish Macalister, the founder and CEO of Transparently AI. They discuss the prevalence of accounting manipulation in global markets, the statistical mechanics behind Transparently’s AI system, the varied use cases spanning banking, asset management, auditing, and regulation, and touch upon the ethical commitment Transparently has towards transparency and accuracy.Hamish shares his journey, the company’s rapid evolution, and exciting future prospects involving generative AI integration. The episode provides deep insights into the significance and mechanics of forensic AI in tackling financial fraud.Meet the New Host: Tony ClarkTony’s Background and Vision for the ShowIntroducing Dr. Hamish McAllister – quant strategist, professor & AI inventorThe potential of AI in FinanceTransparently AI: Forensic AccountingTime away from the startup – Scuba divingHamish’s Career Journey & asking the Singapore government to reduce their research grant!Founding Transparently AIBuilding the Transparently AI TeamCooking the books – the $4.7Tn problem (and opportunity..). Forensic reports in seconds..85,000 companies – scoring every listed company since the 80’sPredicting corporate collapse – years ahead..Exploring Corporate Governance and Asset QualityMinimizing False Positives in Financial SystemsClient Base and Use CasesEthical Considerations and TransparencyHow Transparently AI WorksReal-World Applications and Case StudiesInvestment from Franklin TempletonTransparently 2.0 – Generative AI Integration & Google AI accelerationThe world’s first AI Forensic accountant that you can actually talk toAdvice for FinTech EntrepreneursWhere to Learn More (and free trial offer)More info:Transparently.ai: https://www.transparently.aiHamish: https://www.linkedin.com/in/hamish-macalister-phd-0b558bb/Nextwave: https://www.nxwave.comTony: https://www.linkedin.com/in/tony-clark-07160b/

This is the 4th and final episode in the mini-series celebrating the LFP’s 10th anniversary. Having looked at the past decade in Fintech, dived into how an LLM really works and discussed what risks AI does or doesn’t pose to humanity in this episode we cover the macro picture right now as the setting for the outlook for FS and Fintech over the next decade as well as revealing the exciting plans for levelling-up the LFP to go even further and fresher into it’s next decade. For sure it is the best of times in terms of technology, even if in terms of “western”/US empire societal and economic situation the worst of times as WEF/2030/Agenda 21 continue to bear down upon the people. But however the macro cookie crumbles with regard to geopolitics for sure FS will be affected significantly either way. Insane money-printing and government debt accumulation in western countries cannot continue for much longer without risking social and economic collapse as we have discussed on the podcast before. On the other hand will we have CBDCs and the State programming your currency? There are many scenarios but the geopolitical changes are already being ushered in with the BIS, the “central banks bank” already well advanced with its mBridge project, a Swift alternative. In this episode I am delighted to be joined once more by Tony Clark former guest and London Head of former brand partner’s Synechron as well as founder of Next Wave a digital acceleration consultancy for FS who lives much nearer the coalface of change than I. So check the show out for not just an overview of the dominant geopolitical influences on FS, to which Fintech is simply a subset, but the future and how we see technology changing FS and Fintech in the upcoming decade. And then finally in the show we reveal the exciting plans for levelling-up the LFP and taking it into its second decade – where for sure the pace of change will not, whatever happens, slow down! Share and enjoy!  

In this episode we discuss the super-hot and super-important topic of what Risks AI poses to humanity and society. There is perhaps not a hotter and more misunderstood topic than that of AI and the risks it poses. Many indeed fear that “it” will eliminate humans. The influential Geoffrey Hinton, co-creator of the seminal backpropagation algorithm, has been all over the media saying we need to worry and that there is 50% chance that AI outsmarts humanity and poses an existential risk. Other insiders put that probability at 100%. Should we too worry if the real insiders are sounding the alarm? I think not. But why are the insiders not the people to turn to? If the insiders were say insiders at Boeing who were blowing the whistle about dangerous aircraft manufacture processes then yes we should be concerned. Mind you we might also be concerned that three in a row now, having found their whistles, suddenly died in mysterious circumstances. However if, in simple terms, airplane manufacturing risks are very much in the box, the risks AI poses are very much out of the box that the experts are expert in. Whilst one must listen to their technological concerns, neural net experts are not experts out of the box. And it requires an assessment from outside the box to consider the risks to society as a whole. So lets dive into whether AI is about to decide that their users are useless eaters or will AI be more benign than WEF luminaries and not turn us into slaves but serve us? Or is AI merely the latest in many tools, many changes of technology which fits into a long-established pattern of such over the millennia. Each new technology by definition affecting the world in unique new ways as well as same old patterns. We will have five sections: a brief summary of the prior episode on what an LLM is and a contextualisation in the wider field of AI and why LLMs in particular pose greater concerns than other AI technologies which have been used for a long time. I will briefly summarise LFP200 on the impact of technology on society historically. This new tech isn’t humanity’s first rodeo. before we assess risk in any domain we need to address biases that people have – linguistic/conceptual, philosophical/metaphysical, sociological and psychological. we will look at four domains that AI may affect in society – the crazy scifi that the robots are taking over, the economic impact, the informational impacts and technological developments. we will address the key point of who controls the technology. This “who controls” is for me the real crux of the matter and right now much of what one hears is propaganda to influence that outcome. To simplify will you end up owning your own super-smart chatbot or at the other will it be centrally-controlled by Big Brother, the corporate-state who will keep you safe and feed you its propaganda? And much much more