FintechOS Evolv

In this episode, we explore how banks are making transformation decisions in an environment shaped by AI acceleration, legacy complexity, and constrained investment capacity. Dr. Leda Glyptis, fintech executive, and Board Chair at Bourn, joins Mark Dearman, Director of Industry Banking Solutions at FintechOS, and Joshua White, Senior Sales Director at FintechOS, to discuss how financial institutions are moving from transformation ambition to practical execution across product operations and modernization programs. Drawing on experience across banking leadership and large-scale transformation initiatives, Leda shares a candid perspective on how decision-making inside financial institutions is evolving. The conversation explores why transformation is as much about operating models as technology, how leadership mindset shifts are accelerating modernization momentum, and why many institutions are focusing on simplifying fragmented product, data, and workflow estates to make AI operational in regulated environments. Key learnings and takeaways: • Why transformation decisions are increasingly shaped by legacy complexity and investment constraints • How leadership mindset shifts are influencing modernization strategy across banks • Why digitization alone does not deliver measurable transformation outcomes • What practical, governed AI adoption looks like inside product and decision workflows • Why modernization above the core is becoming a preferred execution approach Whether you’re a banking executive shaping digital strategy, a product leader improving origination journeys, or a transformation lead modernizing complex estates, this episode offers practical insight into how institutions can reduce the cost of change and make AI operational across financial product workflows. At FintechOS, we focus on Unified AI-powered Product Operations across the financial product lifecycle. With FintechOS 8, banks can embed governed AI into product operations to move faster, simplify complexity, and deliver better outcomes without changing the core. #FintechOSEvolv #FintechOS8 #BankingTransformation #AIinBanking #DigitalBanking #FinancialServices

In this episode, we explore how banks can move beyond transactional journeys to design experiences anchored in life moments, trust, and long term value. James Buchanan, Founder of Hidden Strategy joins Mark Dearman, Director of Industry Banking Solutions at FintechOS and Byron Levin, Head of Pre Sales at FintechOS, for a candid discussion on what it takes to modernize customer experience in regulated financial services environments. Drawing on experience across financial services, travel, retail, and emerging technology ventures, James shares a pragmatic perspective on designing for complex and emotional decisions such as mortgages, investments, pensions, and early family life. The conversation examines banking growth, digital transformation, AI adoption, and the cultural and operational shifts required to turn ambition into execution. Key learnings and takeaways: Customer experience begins before the application: Banks must engage customers at the moment intent forms, not only when a product journey starts. Designing for trust, not just speed: In high value decisions, thoughtful friction and human interaction can improve long term conversion and loyalty. AI beyond efficiency: AI is evolving from automation tool to strategic enabler, supporting faster prototyping, smarter product design, and better internal decision making. Breaking the execution gap: Organizational alignment, shared language, and operating model redesign are often greater barriers than technology. Modernizing origination and core operations: Institutions need flexible platforms and unified product origination approaches to iterate faster and tie AI directly to measurable business outcomes. Whether you’re a banking executive shaping digital strategy, a product leader launching new propositions, or a transformation lead modernizing legacy operations, this episode provides executive level insight into designing for ambition, not just efficiency. It is particularly relevant for leaders rethinking origination, operating models, and how to combine human judgment with AI enabled capabilities to build lasting competitive advantage. #FintechOSEvolv #BankingTransformation #CustomerExperience #AIinBanking #DigitalBanking #FinancialServices

In this episode of the FintechOS Evolv Podcast, we explore what it really takes for building societies and specialist lenders to modernize mortgage and lending platforms while sustaining growth, efficiency, and trust. Josh and Ben from Woodhurst Consulting bring a grounded, practitioner perspective drawn from years of working with banks, building societies, and specialist lenders across the UK mortgage market. They unpack why lending transformation so often stalls and what differentiates institutions that successfully move from strategy to execution. The conversation covers lending growth, operating model change, governance, vendor selection, and the practical realities of delivering modernization in highly constrained, regulated environments. Key learnings and takeaways include: How modernization can act as a growth enabler rather than a cost exercise Why incremental, outcome driven change often delivers more value than large scale transformation programs Where governance helps accelerate progress and where it can unintentionally slow execution Why broker and intermediary experience has become a critical competitive differentiator How successful lenders approach adopt versus adapt decisions when modernizing platforms What really matters in vendor selection beyond functionality, including cultural fit and delivery credibility This episode is for banking executives, lending leaders, and transformation professionals looking to modernize responsibly, move faster with confidence, and deliver meaningful change without losing sight of customers, brokers, or long term objectives.

In this episode, we explore what it really takes to deliver banking transformation at scale, through a practical conversation with Nevenka Kajtna, Banking Products Delivery General Manager at NLB Komercijalna banka. Drawing on hands-on experience leading product delivery, operations, and large transformation initiatives, Nevenka shares how banks can modernize in fast-moving markets by focusing as much on people and processes as on technology. The discussion spans modernization, agile delivery, cultural change, and the responsible use of AI in banking. Key learnings and takeaways: Transformation beyond technology: Why successful modernization starts with mindset, culture, and ways of working, not just new systems Agile delivery in traditional banks: How breaking work into smaller, outcome-driven initiatives builds momentum and accelerates value People as the catalyst for change: The importance of engaging frontline teams, empowering champions, and listening to the quietest voices in the room AI in banking operations: How NLB Komercijalna banka is using AI and automation to improve efficiency, reduce processing time, and deliver measurable results Human-in-the-loop governance: Why responsible AI adoption requires strong controls, transparency, and human oversight Whether you’re a banking leader, product or operations executive, or digital transformation professional, this episode offers practical insight into how banks can modernize responsibly while building trust, efficiency, and long-term value. #DigitalTransformation #OperationalResilience #FintechOS #AIinBanking #BankingTechnology #AgileDelivery #ResponsibleAI

In this episode, we explore banking growth, digital transformation, and AI adoption in Moldova’s financial sector through a candid conversation with Alexander Picker, CEO of Moldindconbank. Drawing on more than three decades of leadership experience across Europe and emerging markets, Alexander shares a pragmatic perspective on what it takes to modernize a bank in a complex regulatory and economic environment. The discussion covers banking strategy, technology modernization, and organizational change, and the evolving role of banks as trusted partners for businesses and individuals navigating uncertainty. Key learnings and takeaways: Banking growth in emerging markets: How Moldova’s economic and regulatory landscape shapes investment, competition, and long-term growth opportunities. Digital transformation in banking: Why core system replacement alone does not deliver speed or scale without redesigning processes and operating models. Blending digital and human banking: How Moldindconbank is combining branch networks, advisory roles, and digital channels to improve customer experience. AI in financial services: Where AI can drive real efficiency and decision support today, and why governance and accountability remain critical. Leadership in regulated environments: Lessons from leading large-scale banking transformation while maintaining trust, stability, and compliance. Whether you’re a banking executive, financial services leader, or digital transformation professional, this episode offers a CEO-level view on building resilient, growth-oriented banks in dynamic and regulated markets. #FintechOS8 #AIinFS #ResponsibleAI #AIGovernance #ProductOps #DigitalTransformation #FinancialServices

In this episode of FintechOS Evolv, Mark Dearman is joined by Billy Ferguson, CTO at ThinCats, to explore the realities of digital transformation, cyber threats, and the growing role of AI in financial services. Billy shares how ThinCats transformed its lending operations — decommissioning legacy systems, migrating entirely to the cloud, and building a scalable, secure digital platform that processes all loans through a single system. He reflects on the lessons learned from a rare success story in digital transformation and offers practical advice for leaders navigating similar journeys. The conversation dives deep into today’s most pressing challenges and opportunities for banks and lenders, including: 🔹Digital transformation: How ThinCats built a unified, end-to-end platform and the principles behind a successful transformation. 🔹Cybersecurity threats: Real-world lessons from high-profile retail and banking cyberattacks, how social engineering breaches happen, and why physical security keys are making a comeback. 🔹 AI in defense and offense: How AI is being weaponized by cybercriminals — and how financial institutions can use the same tools to fight back. 🔹 AI in operations: From automating data extraction to natural language interfaces and predictive analytics, Billy shares how ThinCats is piloting AI to streamline lending workflows. 🔹Future vision: Why the next wave of innovation will focus on data quality, secure ecosystems, and AI as a core capability, rather than an add-on tool. Packed with insights on technology strategy, risk mitigation, and innovation, this episode is a must-listen for anyone navigating the evolving landscape of financial technology. #AIinFinance #CyberSecurity #DigitalTransformation

How do Building Societies modernize without losing what makes them trusted? In this new episode of the FintechOS Evolv Podcast, we dive into the future of mutuals and what it really takes to scale, digitize, and stay true to purpose. Host Mark Dearman is joined by Julian Wells (Whitecap Consulting), Robert Thickett (Building Societies Association) and Mark Collings (Publicis Sapient) They explore: 🔹 Why physical branches are evolving, not disappearing 🔹 How AI is being tested (carefully) across the sector 🔹 The role of data in making lending safer and smarter 🔹 What’s slowing down green finance uptake 🔹 How to engage a generation that’s never seen a passbook In a world chasing scale at speed, building societies are taking a different path: modernizing with purpose, and planning to be around for another 250 years. #BuildingSocieties #Mutuals #DigitalTransformation

Small businesses are the backbone of the economy. So why are they still so hard to bank? In the latest episode of the FintechOS Evolv Podcast, Mark Dearman sits down with Andrew Martin (SMEB) and Roger Vincent (Bourn) to explore what’s broken in SME finance and what it’ll take to fix it. They get into: 🔹 Why legacy banks can’t crack the SME code 🔹 How fintechs are fusing lending, payments, and AI 🔹 What real bank–fintech collaboration looks like 🔹 Why embedded finance is more than a buzzword 🔹 How open banking and AI are reshaping relationships   If you’re building for SMEs - or just trying to serve them better - this one’s for you.

What’s holding insurance back—and what will push it forward? In this episode, Elliott Green, Insurance Sales Director at FintechOS, discusses the future of insurance with Daren Rudd from CGI and Scott Thomson from FintechOS, exploring cultural barriers and outdated technology, as well as the shift toward life-centric, customer-first models. They dive into: Why resilience is now a boardroom priority The challenge of attracting new talent and retiring legacy systems The role of AI, data, and gamification in modern insurance What “insurtech” really means today (and whether the term still matters) How the industry can build trust and make insurance more meaningful Whether you're an insurer, innovator, or just curious about where the industry is headed, this episode will get you thinking. 🔔 Don’t forget to like, subscribe, and turn on notifications for more fintech and insurance insights! #InsuranceInnovation #LifeCentricInsurance #Insurtech #DigitalTransformation #LegacySystems #CustomerExperience #OperationalResilience #FintechOS #FutureOfInsurance #InsuranceIndustry

In this episode of FintechOS Evolv, Mark Dearman sits down with Myles Bertrand, CEO of Tuum, to explore the reality behind core banking transformation. From cultural resistance and legacy tech to modular strategies and AI readiness, they unpack what it really takes to modernize banking infrastructure—and why most projects fail before they begin. Get insights on: Why culture trumps technology in transformation The rise of multicore strategies Avoiding the “expensive new toy” trap How to align tech and business for success Real-world examples of incremental wins If you're navigating digital transformation in banking, this episode is packed with sharp takes and practical lessons. Check out FintechOS and Tuum: https://fintechos.com/ https://tuum.com/ #CoreBanking #DigitalTransformation #BankTech #Fintech #Insurtech #LegacySystems #AIInBanking #ModularBanking #FintechOS #EvolvInsurance #BankingInnovation #Tuum #CXInBanking #FutureOfFinance

What does it really take to launch a telematics-led motor insurance startup? In this episode, Scott Thomson sits down with Yvette Percival, an industry founder, to break down the essentials—from securing regulatory approval and capacity to building a real-time risk engine and innovating in claims. Whether you're in insurance, tech, or just curious about how data is transforming the future of driving, this conversation offers practical insights, hard-won lessons, and a glimpse into what’s coming next. 📌 Topics Covered: The 3 essentials to launching an insurance startup Building a telematics-based risk model Securing funding and capacity Claims innovation and crash detection tech Startup lessons for navigating regulation and scale 🔔 Subscribe for more conversations with fintech and insurance innovators. #Insurtech #Telematics #InsuranceInnovation #StartupJourney #MotorInsurance #RiskManagement #ClaimsInnovation #DrivingData #FintechOS #EvolvInsurance

In this week’s episode of Evolv, we unpack the “missing middle” of UK SME banking—the segment of medium-sized businesses left underserved between mass-market and bespoke corporate solutions. Joining your host are three trailblazers in the space—Adam Tarpey (Metro Bank), Conrad Ford (Allica Bank), and George Dunning (Bud Financial), who share practical insights on how data, technology and new banking models are closing the gap and driving real change. Key learnings and takeaways: Understanding the gap: Why SMEs with 5–50 employees struggle with one-size-fits-all banking and where the “missing middle” emerges Open banking & real-time data: How instant transaction feeds and cloud accounting integrations speed up credit decisions from months to minutes AI-powered automation: Leveraging generative models to extract insights from unstructured documents (valuations, surveys) and eliminate paper-based workflows Tackling funding delays: The root causes of 90+ day waits for property and asset finance—and how fintechs are streamlining approvals Enhanced risk management: Using continuous monitoring and data-driven underwriting to reduce fraud and default rates API-first, vertical banking: Why specialist platforms are gaining traction and what that means for the future of universal banks Whether you’re an SME owner seeking faster finance, a product builder in fintech or a banking strategist plotting the next wave of innovation, this episode delivers a deep dive into how the “missing middle” is finally being served. Tune in now!

In this episode of FintechOS Evolv, Scott Thomson, Director of Insurance Industry Solutions at FintechOS, is joined by Matt Gilham, Advisor at WHITELK, to explore the evolving landscape of insurance fraud. They dive deep into how fraud detection has progressed over the last 20 years, AI's role in supporting and challenging the fight against fraud, and how insurers are adapting to new threats in the digital age. From motor and home insurance to emerging sectors like pet and travel, they discuss how fraudsters exploit vulnerabilities and what technologies are being developed to stay ahead. Scott and Matt also examine the concept of "fraud as a service" and its impact on the industry, along with how core platform providers like FintechOS are evolving to support insurers in their fraud prevention strategies. Tune in for a candid discussion on the tools, technologies, and strategies shaping the future of insurance fraud detection.

Why do so many insurance transformation projects miss the mark? In this episode, Scott Thomson, Industry Insurance Solutions Director (FintechOS), and Bart Patrick, Advisor (Coherent), draw from decades of industry experience to unpack the persistent challenges behind failed digital initiatives—legacy systems, misaligned expectations, and the illusion of progress. They explore the real cost of technical debt, the overlooked importance of documentation, and why speed and honesty are more critical than ever. From AI use cases to IT bottlenecks, this candid conversation lays out what it really takes to make transformation succeed in today’s insurance landscape.

In this episode of Evolv, Byron Levin, Senior Solutions Consultant at FintechOS, joins us to explore how AI is revolutionizing product management in banking and insurance. From breaking free of legacy systems to enabling faster, smarter product development, we discuss the shift toward AI-powered product engines, the rise of "vibe coding," and the challenges traditional institutions face in keeping up. Plus, we look ahead at the future, from agents-as-a-service to real-time, personalized financial experiences.

Mark Dearman, Director of Industry Banking Solutions at FintechOS, sits down with Ben Thomas from Covecta and Michael Anyfantakis from Vigilant AI to explore: AI’s Rapid Rise in Finance – AI adoption is outpacing past tech shifts, but with 70-80% of pilots failing, the gap between promise and reality remains. The Shift to Agentic AI – AI is moving beyond chatbots to autonomous workflows, transforming lending and credit operations. Balancing AI and Compliance – Banks must navigate data privacy, security, and regulatory challenges while ensuring AI transparency and responsible use. The Future of AI in Banking – AI will drive efficiency and profitability, with early adopters gaining a competitive edge while others risk falling behind.  

Mark Dearman, Director of Industry Banking Solutions at FintechOS, sits down with Nick Russell, Managing Director at Xonetic, to explore: 🔹 Why DORA is more than just compliance - it’s a cultural shift toward resilience 🔹 The biggest challenges - legacy tech, cloud concentration, and cybersecurity threats 🔹 How AI, incremental modernization, and fintech partnerships can turn compliance into a competitive edge 🔹 The huge risks of non-compliance (think GDPR, but with even bigger fines)