Episode 8 | Nigel Morris, Co-Founder Capital One & Managing Partner of QED Investors

In this episode, Rory Mounsey-Heysham speaks with Nigel Morris, Managing Partner at QED Investors and co-founder of Capital One. Nigel reflects on four decades in financial services, his ambition to impact over one billion people through fintech, and why he believes innovation in finance is still in its early innings.The conversation explores how Capital One democratized credit through risk-based pricing, why fintech continues to take share from incumbents, and where the next decade of disruption may come from across stablecoins, open banking, AI, and digital-native banking models. Nigel also shares hard-won lessons from building QED into one of the world’s leading fintech venture firms.Key TakeawaysWhy Nigel’s goal to impact one billion lives shapes his investment philosophyHow Capital One used data and risk-based pricing to expand access to creditWhy fintech is still a small share of a $14 trillion market and growing faster than incumbentsWhere fintech already dominates, from remittances to earned wage access and neo-banksHow stablecoins and open banking could reshape deposits and cross-border paymentsWhy venture capital is about brand, power-law outcomes, and backing generational founders👉 Subscribe to Benevolent Disruptors for more conversations with founders building enduring companies by solving deep systemic problems👉 Learn more at https://www.benevolentdisruptors.com/