London Fintech Podcast

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.com Sandy 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 #LondonFintechPodcast

️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AI, how outbound and agentic AI will redefine customer interactions, and why the industry needs to stop bolting AI onto outdated systems.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 finance Tune 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.com Robb 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/B09GYNV92D #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 stablecoins Tune 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): https://resources.nxwave.com/dash/hubs/hubs/aHViOjY%3D?nav=aHViX3BhZ2U6NTY%3D&c=cG9zdDo5OTMzNTQ%3D The London Fintech Podcast: https://londonfintechpodcast.com Tony Clark: https://www.linkedin.com/in/tclark100/ Staci Warden: https://www.linkedin.com/in/staci-warden-b15268b9/ & https://x.com/StaciW_DC Algorand 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 machines Tune in to learn how AI is reshaping the financial sector—and what it takes to lead the change responsibly. Learn More: Tony Clark: https://www.linkedin.com/in/tclark100/ The London Fintech Podcast: https://londonfintechpodcast.com NextWave Consulting: https://www.nxwave.com/

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 wins Tune 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. Learn More: Tony Clark: https://www.linkedin.com/in/tclark100/ The London Fintech Podcast: https://londonfintechpodcast.com Elizabeth Rossiello: https://www.linkedin.com/in/elizabeth-rossiello-589b8b1/ AZA Finance: https://azafinance.com/ #FinTech #EmergingMarkets #DigitalCurrency #CrossBorderPayments #WomenInFintech #Stablecoins #AfricaTech #FinancialInclusion #Entrepreneurship #LondonFintechPodcast #AZAFinance #AIinFinance #PaymentsInnovation #FintechLeadership

Watch the video version on YouTube: https://www.youtube.com/watch?v=9e9i5uct_nA 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 acceleration Tune 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.com Mia 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-Are-Lazy-Exceptional-ebook/dp/B01DBAUZT6 The Rest is Politics: https://www.youtube.com/@restispolitics #FinTech #FemaleFounders #Entrepreneurship #Innovation #Leadership #DiversityInFinance #LoanAgency #DigitalTransformation #WomenInBusiness #LondonFintechPodcast

Watch the video version on YouTube: https://www.youtube.com/watch?v=uPN9RnxuP_E&t=525s ️ 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 finance Whether 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. Learn More: Tony Clark:   / tclark100   The London Fintech Podcast: https://londonfintechpodcast.com Pete Wickes:   / pete-wickes-a04b3912   Worldpay: https://www.worldpay.com/en-GB Global payments report: https://www.worldpay.com/en/insights/… #PaymentsInnovation #FinTech #DigitalPayments #WorldPay #CustomerExperience #FinancialServices #LondonFintechPodcast #EmbeddedFinance #DigitalTransformation #SMEs #RealTimePayments

Watch the video episode: https://www.youtube.com/watch?v=jRslY8JVaCs&t=11s 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:   / tclark100   The London Fintech Podcast: https://londonfintechpodcast.com Andrew McKibben:   / 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/0141033576 The Singularity is Nearer: https://amzn.eu/d/26PBJTA #FinTech #BankingInnovation #ArtificialIntelligence #MachineLearning #CustomerCentric #BankofAmerica #TechLeadership #DigitalTransformation

Watch the video version on YouTube: https://youtu.be/lnCI-bWj12Q 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 pace Whether 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.

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 revolutionising cross-border payments and what it takes to build a successful fintech startup! Learn More: 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 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 marketing Being an astronaut in your spare time… The role of creativity in driving effective strategies Understanding customer pain points for better messaging Finding your ‘Finfluencer’… Leveraging AI for improved marketing output and efficiency The importance of customer feedback in adapting strategies Navigating global expansion and understanding market dynamics Utilising new media channels to engage younger audiences The fundamental role of analytics in tracking success Standing 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. Learn More: Tony Clark: https://www.linkedin.com/in/tclark100/ The London Fintech Podcast: https://londonfintechpodcast.com Shameer Sachdev: https://www.linkedin.com/in/shameersachdev/ Growth Gorilla: https://www.growthgorilla.co.uk/

  Watch the video episode on YouTube: https://www.youtube.com/watch?v=xQt73hUb5Zs&t=756s In 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 Anne Tune 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.nxwave.uk Ellison 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=TSNW5yhQhq8 In 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 space Tune 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.com Alistair 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=QVKwUaypz9Q In 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. Register for our upcoming Agentic AI for AI Visionaries Forum on 27th March: https://www.nxwave.com/agentic-ai-event 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 beyond Tune in to learn how agentic AI is reshaping the business landscape and how companies can harness its power for growth and innovation. Learn More: Tony Clark: https://www.linkedin.com/in/tclark100/ The London Fintech Podcast: https://londonfintechpodcast.com/ Simon Torrance: https://uk.linkedin.com/in/simontorrance AI Risk: https://www.ai-risk.co/

Watch the video episode on YouTube: https://www.youtube.com/watch?v=nvoxw3RU-BI 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 space Key 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.uk Francesco Filia: https://www.linkedin.com/in/francesco-filia-aa178b/ Fasanara Capital: https://www.fasanara.com/

Watch the video version on YouTube: https://youtu.be/7M7njXxafNg?si=u15zpq4thr0qTzea In 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 problems Learn More: Tony Clark: https://www.linkedin.com/in/tony-clark-07160b/ The London Fintech Podcast: https://londonfintechpodcast.com Nick Rose: https://www.linkedin.com/in/nick-rose-81ba318a/ Enable: https://www.enable.com/

Watch the video version on YouTube: https://youtu.be/FFEJpYz7hgw?si=GEi30wCYW9PqcX_e In 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 innovations Tune 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. Learn More: Tony Clark: https://www.linkedin.com/in/tony-clark-07160b/ The London Fintech Podcast: https://londonfintechpodcast.com Dan Awrey: https://www.linkedin.com/in/dan-awrey-56737040/ Beyond Banks: https://press.princeton.edu/books/hardcover/9780691245423/beyond-banks?srsltid=AfmBOops_B8X3JBO1IqMZbYu0OUQIUhrd4pLhVg3hybJIGtezm_a_U2e

Watch the video version on YouTube: https://www.youtube.com/watch?v=C1M4ODqxthw&t=970s In 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/

Watch the video version on YouTube: https://www.youtube.com/watch?v=C1M4ODqxthw&t=970s In 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 include: – Aman’s career journey and Finch Capital’s focus on post-revenue Fintech investments – Finch Capital’s 9th Annual European Fintech Report – Key investment trends across Europe, including country-specific opportunities – The evolving role of local investors in driving growth – Challenges and opportunities in the current economic cycle – Mid-market investment focus – Insights into thriving sectors like banking, payments, and insurance technology (BNPL, Stablecoins and InsurTech) – Complexities of valuation in Fintech and the importance of capital efficiency – The strength of the European PE sector (Eur 50-500m) – The UK as the major European Fintech hub – The “Rule of 40” – German private capital focus – The Nordic & Polish fintech scene – Being commercial from the start – Predictions for the future of European Fintech, including M&A activity and market consolidation Tune 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-2024 Tony Clark: https://www.linkedin.com/in/tony-clark-07160b/ The London Fintech Podcast: https://londonfintechpodcast.com/

Watch the video version on YouTube: https://youtu.be/oXa2V8bRufA?si=1DMeHTG50B7B09f5 In 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 include: • 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/