In this episode, Koen is joined by Philippe De Prez from Simont Braun law firm to dive into the evolving regulatory landscape of European fintech. They discuss the latest developments in key regulations such as FIDA, PSD3, and PSR, and explore how the regulatory pendulum is swinging toward a more balanced approach, rather than a shift toward deregulation.

Philippe sheds light on the European Commission’s 2025 work program and explains how the emphasis is shifting from directives to regulations, creating a more unified European market and preventing “gold plating.” The conversation also touches on how the upcoming AI Act will introduce a risk-based approach to AI regulation, affecting financial services without creating finance-specific rules.

They explore the growing role of AI across the front, middle, and back offices in financial institutions and how fintechs can navigate this evolving landscape. With Philippe highlighting why traditional financial institutions may have a competitive edge in the coming era of AI regulation, thanks to their extensive experience with complex regulatory frameworks.

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In this episode Koen is joined by Tom Van Asbroeck from SevenYoken to explore how autonomous AI is transforming the accounting industry. SevenYoken’s groundbreaking technology compresses days of accounting work into mere minutes, delivering comprehensive financial reports and actionable insights.

Tom explains how SevenYoken has evolved from creating a "certified autonomous bookkeeper" to developing a full-fledged Digital Financial Officer (DFO). This digital persona not only processes transactions and interprets balance sheets but also offers professional opinions and follow-up questions, bridging the trust gap with users. Their technology is a game-changer, delivering value to businesses of all sizes by automating repetitive tasks, enhancing compliance, and empowering decision-making. And as Tom puts it, “We’re not just creating tools; we’re reshaping the way businesses interact with their finances.”

To learn more about SevenYoken's accounting solutions or their new e-invoicing platform, visit their website or contact them directly for customized solutions to streamline your financial operations

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In this episode Koen is joined by Renaud Winand from Basikon to explore how modern lending and leasing technology is transforming financial services. With flexibility and integration now at the core of the industry, Basikon is leading the charge to reshape financial operations through their revolutionary, adaptable platform. Founded by industry veterans who experienced the shortcomings of legacy systems, Basikon takes a refreshingly innovative approach. Their API-first architecture and embedded workflows enable financial institutions to move past operational rigidity while ensuring compliance with evolving regulations.

Renaud discusses the contrast between implementing their solutions for greenfield startups and established institutions. Startups benefit from rapid deployment and streamlined processes, while established players face challenges in change management—often needing to shed outdated, non-differentiated processes to embrace simplicity. Their guiding principle? "Keep it stupidly simple." Their conversation also delves into broader trends shaping the financial landscape. Topics include the rise of embedded finance, AI’s impact on credit decisioning, and the shift toward real-time lending. Renaud even challenges the belief that complex products like mortgages can't be simplified, proposing that decision-making processes across financial services can and should be accelerated.

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In this episode Koen is joined by Dorian Pacquet from Approach Cyber to  discuss how their company supports fintechs in tackling cybersecurity challenges, from integrating security into software development to navigating complex regulatory landscapes.

Dorian sheds light on the evolving cyber threats facing the fintech ecosystem, emphasizing the critical role of AI in enhancing security tools such as code generation, vulnerability scanning, and remediation. He also highlights the increasing importance of robust data protection strategies as organizations, regardless of size, grapple with compliance requirements.

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In this episode Koen is joined by Lode Vermeersch, Head of AREA42. He shares how this innovation hub within Credendo is revolutionizing B2B trade finance. By offering flexible working capital solutions, AREA42 is making digital trade more accessible and user-friendly for businesses worldwide.

Their conversation addresses how AREA42 bridges the gap between traditional credit insurance and modern financial needs. While credit insurance protects sellers from unpaid invoices, AREA42 goes further by streamlining working capital solutions tailored to the digital B2B landscape. Their approach addresses challenges like the upfront payment requirements of digital marketplaces, offering flexible alternatives to traditional trade credit terms.

They also highlight key learnings, such as the importance of adopting a problem-first innovation approach and the ongoing challenge of balancing corporate stability with startup agility. "Any company in the world, especially in the European Economic Area, we can help you. Whatever your working capital problem, come to us, and we will find a solution."

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In this episode Koen is joined by Peter Vermaercke from InThePocket to explore how AI agents are transforming financial services by automating tasks traditionally handled by people and enabling new possibilities for the industry.

Peter discusses how banks must adapt their strategies as smaller, more agile fintechs use AI to gain competitive advantages. As well as the rapid pace of AI development makes waiting a risky strategy, with issues like hallucinations and high operational costs remaining significant hurdles. The conversation also underscores the critical role of well-structured data for effective AI implementation, while highlighting how future models are improving at working with unstructured information.

For any questions about implementing AI and agents in your financial organization, reach out to In The Pocket's cross-disciplinary team that brings together design, technology, and strategy.

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In this episode Koen is joined by Jos Gheerardyn the Co-Founder and CEO of Yields. They dive into how his company’s award-winning model risk management software ensures the reliability of mathematical models, including AI systems. With the rise of AI across industries and the regulatory spotlight of the EU AI Act, Jos emphasizes the critical importance of robust AI risk management.

Furthermore they explore how Yields’ innovative platform supports governance, documentation, and testing, enabling businesses to mitigate AI risks effectively. Leveraging generative AI, the software enhances documentation quality while maintaining human-driven insights. Jos also shares Yields’ vision for the future—standardizing AI testing and seamlessly integrating human oversight into AI workflows.

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In this episode Koen is joined by Jens Verboven from GraydonCreditSafe to discuss the transformative merger of Graydon and CreditSafe. Combining local expertise with global technological capabilities, this partnership is revolutionizing credit management and fraud prevention. 

Jens provides fascinating insights into how GraydonCreditSafe addresses key regulatory challenges, including KYC (Know Your Customer), KYB (Know Your Business), and ESG (Environmental, Social, and Governance) compliance, by leveraging data accuracy and reliability. The conversation also dives into the power of data collaboration, featuring Datavillage’s innovative software platform. Additionally, listeners will discover how GraydonCreditSafe’s efforts to standardize global data are enhancing accessibility and usability, paving the way for seamless integration and informed decision-making across industries.

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In this episode Koen is joined by Roel Verbeeck, the visionary behind Dokapi, who joins us to reveal how his innovative approach to smart document processing is redefining the fintech landscape. Born as a spin-out from Ixor, Docapi is setting the standard with cutting-edge APIs for processing financial documents like invoices, receipts, and pay slips. Roel dives into the strategic choice to bootstrap Dokapi, while teasing the potential for future investment opportunities.

In this episode you will gain exclusive insights into Dokapi’s journey from a promising Belgian startup to a global player in the fintech space. And that’s not all—get ready for an insider’s take on the upcoming e-invoicing mandates set to reshape Belgium and Europe. Roel breaks down the challenges and opportunities tied to these mandates, offering valuable advice on adapting to the evolving B2B transaction landscape. With compliance deadlines looming and varying approaches across Europe, this discussion is essential for businesses aiming to stay competitive.

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In this episode Koen is joined by Cedric Neve, the CEO of Digiteal, a pioneering Belgian company transforming the landscape of e-invoicing, e-payment, and open banking services. Cedric shares how Digiteal's SaaS API is setting a new standard, enabling businesses to seamlessly integrate these essential services into their software—an increasingly critical capability in light of upcoming Belgian and European regulatory changes. With a focus on automated processing and seamless payment integration, Digiteal is empowering businesses to thrive in this transformative era of B2B payments.

They also dive into tools like KBC's Solucio, which exemplify how integrated and personalized financial products are reshaping customer interactions. Cedric offers valuable insights into how these innovations are creating exciting opportunities for both businesses and their clientele, setting the stage for the future of fintech and banking.

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