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Burning cash, poor risk management, and weak strategies around enterprise risk management - they're the real reasons why so many promising startups fail quietly. In the NEW season of The Curiosity Code from London, we speak with fintech board advisor Stephane Malrait (ex-JPMorgan, ING, SocGen) to expose overconfidence, cash burn, and poor risk handling.

You'll hear hard-earned lessons from inside the boardrooms and trenches on how calculating cash burn wrong can destroy momentum, why risk mgmt is more than compliance, and how to scale fintech without losing your edge. Stephane shares thoughtful stories of costly product failures, misaligned teams, and how founders underestimate the complexity of risk and management in scaling environments.

#BurningCash #riskmanagement #RiskMgmt #RiskAndRiskManagement #RiskAndManagement #RiskHandling #StartupRiskMgmt #fintechpodcast 

00:00 – Intro
02:11 – Meet Stephane: Fintech Insider & Risk Expert
03:33 – Why Great Ideas Fail Without Execution
05:56 – Risk Management Starts with Execution
11:06 – Burning Cash Too Fast? Here’s What Happens Next
13:28 – Scaling Chaos: Risk Handling Mistakes That Break Startups
17:25 – The Lonely CEO: When Risk Becomes Personal
23:22 – A $2M Mistake in Enterprise Risk Management
29:52 – Failing Fast vs Failing Late: The Real Startup Choice
34:00 – Why Digital Transformations Really Fail (and How to Fix Them)
42:42 –Why Nimble Fintechs Beat Slow Giants
51:08 – GenAI Blind Spots in Enterprise Risk Management
54:40 – Data Overload = Risk? The Fintech Data Trap
56:47 – Wrap-up: Key Lessons in Risk, Scale & Strategy

What’s the biggest risk you’ve taken in your startup — and did it pay off or burn out?
Drop your story in the comments!

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Is UK fintech in decline, or is this just the beginning of a new wave of innovation? In this episode of The Curiosity Code, we’re joined by Veronica Maria Glab, a fintech strategist and former Head of Partnerships at Innovate Finance, to uncover the real story behind the recent drop in VC investment in UK fintech and what’s next for the ecosystem.

👉 If you're interested in UK fintech trends 2025, global fintech investment, or the impact of AI and crypto in finance, this episode is for you. Veronica shares exclusive insights from her time producing the UK’s most trusted fintech investment report—a report that’s even made it to 10 Downing Street.

We talk about:
• What caused the UK fintech funding drop in 2022 and 2023
• How Fintech 3.0 is reshaping the financial services world
• The role of regulation vs innovation in the UK, US, and Middle East
• Why wealthtech and embedded finance are quietly booming
• What VCs really look for in 2024-2025
• How the UK compares globally in fintech performance

Whether you're a founder, investor, policymaker, or fintech fan, this deep dive into the UK fintech landscape will help you understand where the market is heading and how to stay ahead of the curve.

00:00 - Intro: live from Lisbon
02:00 - UK Fintech history: From 1800s to Fintech 3.0
06:30 - Fintech investment peak in 2021: $106B globally
09:45 - Why VC funding in UK fintech dropped post-2022
13:30 - How UK regulation is impacting fintech startups
17:15 - Malta, crypto, and the new fintech hubs
19:30 - Global fintech: US, EU, and Middle East comparison
21:20 - Crypto, AI, and quantum: Hype vs substance
26:00 - The rise of wealth tech and new investment tools
28:50 - Founders’ guide: Surviving the 2024 fintech climate
31:10 - Breaking into fintech: events, VCs, and ecosystems
34:15 - Top fintech conferences in Europe and MENA

#UKFintech2025 #UKFintechInvestment  #FintechFundingUK #FintechInvestmentTrends #VCFundingUK #CryptoRegulationUK #WealthTechInnovation #FintechRegulation2025 #FintechVCInsights #QuantumFinance

Thank you for listening!

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Ready to scale your fintech globally? Avoid costly mistakes! Discover the critical red flags fintechs overlook when expanding into new markets.

Elif Kocaoglu Ulbrich, Founder of Contextual Solutions, Author,  reveals the hidden pitfalls and critical red flags that can derail international expansion. Discover why localization and understanding local culture are paramount, and learn about the regulatory hurdles in key markets like Germany and the EU. Gain insights on optimal timing for scaling, avoiding the trap of overestimating new regions, and the surprising differences between startup and corporate approaches. Plus, explore the evolving role of AI in global fintech compliance and uncover underrated factors essential for successful market entry.

00:02 - Introduction to the conversation on global fintech expansion with Elif Kocaoglu Ulbrich.
03:52 - Identifying the most overlooked factors when fintechs expand internationally.
06:03 - The discussion on balancing product localization with a global strategy.
07:57 - Insights into the most challenging and underestimated markets for fintechs.
10:44 - Determining the optimal timing for international scaling and key red flags.
13:05 - Comparing global expansion approaches of startups and established financial institutions.
15:28 - Uncovering potentially overlooked markets for fintech growth.
18:26 - Exploring underrated factors that can significantly impact market entry.
21:49 - Examining the role of AI-driven compliance tools in international fintech expansion.

Check out this comprehensive guide to navigating the complexities of global fintech expansion!

Elif has kindly offered free resources on the European and German markets, including studies and checklists, to assist companies with their expansion plans. You can find the links below:

https://www.contextualsolutions.de/german-market-checklist

https://www.contextualsolutions.de/fintech-publications-legaltech/the-german-banking-and-fintech-market-2025

#FintechGlobalExpansion #FintechExpansion #GermanyFintechEntry #LessonsonMarketEntry #GlobalScaling #FintechMista

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Can you believe insurance could be fast? Discover how AI in insurance, insurance automation, and digital transformation in insurance are changing the industry! Join us as we speak with Parul Kaul Green, a leading expert in the field, about the future of insurance, including AI underwriting and faster insurance claims. Learn how efficient insurance powered by AI is becoming a reality.

Discover the advancements in AI underwriting, the potential for faster insurance claims, and the overall future of insurance with insights from a leading expert!

#AIinInsurance #AIUnderwriting #InsuranceAutomation #ClaimsAutomation #InsureTech #FutureofInsurance #EfficientInsurance #InsuranceTrends #AIInsurance #FastInsurance #InsureTech

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The Future of 401k, Retirement Saving Trends, Retirement Tech, Next Gen 401k, Secure Act, PEPs, AI in Retirement Planning are all converging to reshape how we save for our future, as explored in this insightful discussion with retirement innovation experts Will Prest and Lisa Kottler

Interested in the future of your 401k? Tap to listen about the key retirement savings trends driving change in retirement tech, including the emergence of next-gen 401k solutions and the impact of fintech retirement innovations. Understand how the Secure Act has paved the way for developments like PEPs explained in detail by Lisa Kottler. Discover the crucial role of AI in retirement planning, offering personalized strategies and efficiencies for the future. 

Will Prest https://www.linkedin.com/in/willprest/
Lisa Kottler https://www.linkedin.com/in/lisa-kottler/
RetireTech Map  https://www.kwpworks.com/map

#RetirementTech #FutureofRetirement #Futureof401k  #RetirementPlanning #RetirementStrategy #AIinRetirement #PEPs #SecureAct  #RetirementIncome #FinancialWellness 

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Curious about how to grow your FinTech business in other countries? Learn global expansion strategies and essential steps for successful international market entry for FinTechs in this episode with Alex Romanovich, CEO and global CMO at GlobalEdgeMarkets. Drawing from his background with IBM, American Express, and as managing advisor partner at WeFound Health, Alex offers insights into the most overlooked factors determining international expansion success. Discover how FinTech's digital transformation with AI is changing expansion, alongside the critical need to navigate FinTech's regulatory compliance and understand diverse markets. Find out actionable FinTech marketing for global audiences and trust-building techniques to scale internationally. 

• Regulatory complexity is often underestimated by expanding companies
• Understanding local customer behavior crucial for both B2C and B2B fintech
• Cultural adaptation and local talent acquisition essential for market entry
• Infrastructure scalability achieved through strategic local partnerships
• Case of N26 German neobank demonstrates importance of regulatory preparation
• Trust-building through regulatory compliance and partnerships with established players
• Content personalization and localized customer experiences drive expansion success
• AI applications in fraud detection, emotion analysis, and personalized financial advice
• Personalization strategies transferable between healthcare and fintech industries
• Community-driven growth more effective than traditional brand building
• Marketing requires constant experimentation and audience segmentation

To learn more about global expansion strategies and digital transformation in the fintech space, follow the Curiosity Code Podcast.

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Discover the power of the Flywheel Model specific to AI and FinTech, and secrets to peak brain performance for leaders with Mariela Hunter! The Flywheel Model is a circular business growth strategy placing the customer at the center. It focuses on customer acquisition, engagement, and delight to fuel continuous growth. In FinTech, where client loyalty is challenging, it offers a more sustainable approach than traditional funnels. This model emphasizes long-term customer value (LTV). AI and data analytics enhance the Flywheel's effectiveness by providing insights for optimizing each stage.Learn how to ditch outdated funnels, leverage AI for business growth, and optimize your cognitive abilities for maximum impact in the financial technology sector. #FlywheelModel #FlywheelBusinessModel #FlywheelModelFintech #CustomerLoalty #CustomerLoaltyFintech #FlywheelModelMarketing #Neurotech #NeurotechForLeaders #CustomerRetention #PeakPerformance #FlywheelModelExpertSUBSCRIBE to the podcast here: https://www.youtube.com/@CuriosityCodePodcast

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Want to de-risk your FinTech and avoid costly AI mistakes? Explore AI failures in FinTech and learn how to implement robust AI risk assessment strategies with Deniz Çelikkaya. Using real-world examples, we'll cover key areas like transparency, human oversight, and preventing reputational damage.

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Ever wondered about the future of FinTech, cloud computing, and data security? Join us as we explore the Google Cloud ecosystem with Alison Rooney, a financial technology expert with over 15 years of experience at companies like Google and Accenture. Learn about cloud-based FinTech solutions, the power of AI and machine learning, and the crucial importance of data security. Discover the go-to-market strategies FinTech startups are using to disrupt the industry, and why private cloud environments are becoming the new normal. Get the inside scoop on digital transformation, integrating with legacy systems, and the groundbreaking innovations happening inside Google's startup. #CloudSecurity #CloudSecurityRisks #Google #FinTechDataPrivacy #PrivateCloudTrends #AIandDataSafety #SaaS #AIinFinance

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Are you struggling with outdated banking systems? Discover the power of modular banking! In this NYC podcast episode, Arcady Lapiro from Agora Financial Technologies explains how to launch a digital bank without the headaches of legacy systems. Learn about API banking, microservices architecture, and cloud-native solutions transforming the financial industry. Are you a community bank or credit union looking to modernize? Or a FinTech startup eager to innovate? Arcady talks about flexible, cost-efficient modular solutions that seamlessly create any use case. Tune in to explore the future of next-generation banking, where AI enhances fraud prevention and customer engagement #ModularBanking #fintechsolutions #legacytech #bankinginnovation #digitaltransformation

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