Ivo Dimitrov is co-founder and Chief Venture Officer at Finum, a neobank and financial solutions provider for SMEs and freelancers across Europe. Previously serving as CPO for five years, Ivo transformed his role to focus on high-risk, high-reward products, particularly AI accounting solutions. Before Finum, he co-founded a startup incubator (before the term existed) that launched hundreds of products, including the successful Modul Bank, now a top-three fast-growing SME bank in Russia. Based in Berlin, Ivo brings over a decade of fintech and product development experience to building the future of AI-powered business tools.

In this episode, Dominic explores the evolution from traditional product management to venture-focused innovation with Ivo, who's pioneering AI accounting solutions that promise to revolutionise how SMEs handle their finances. From his unique "Chief Venture Officer" role to the strategic decision to orchestrate rather than build AI models, discover how Finum is creating proactive AI agents that handle accounting tasks automatically while ensuring human oversight and trust.

The conversation delves into the psychology of AI adoption, the importance of conversational UI design, and why the future belongs to companies that can integrate seamlessly into emerging AI platforms rather than compete with them. Ivo shares hard-won lessons from launching AI products in regulated industries and explains why "storytellers" are more valuable than ML engineers in today's AI landscape.

• Orchestration Over Creation: The biggest mistake AI companies make is trying to build their own models instead of orchestrating existing foundation models from OpenAI, Anthropic, and Google. Time-to-market and adaptability are more crucial than proprietary technology.
• The Storyteller Role: Success in AI products requires "storytellers" - people who can explain complex requirements to AI models in simple terms. This skill is more valuable than traditional ML engineering for most AI applications.
• Conversational UI Revolution: The future of software interfaces isn't traditional buttons and forms, but enriched conversational experiences that dynamically present the right UI elements based on context and user requests.
• Proactive vs Reactive AI: The most valuable AI products don't wait for user requests - they proactively identify opportunities, send reminders, and take action, requiring only verification rather than instruction from users.
• Platform Integration Strategy: As AI platforms like ChatGPT become dominant, success will come from seamless integration rather than platform competition. Think App Store dynamics rather than trying to build competing ecosystems.
• Trust Through Transparency: AI adoption in high-stakes domains like accounting requires insurance backing, clear reasoning explanations for every decision, and the ability for users to easily override AI choices when needed.
• The Psychology of AI Acceptance: Humans apply zero-tolerance standards to AI errors while accepting much higher error rates from humans. Overcoming this requires strategic trust-building and demonstrable value delivery.
• European Market Complexity: Despite appearing unified, Europe requires country-specific approaches - Germans spend 12-17 minutes reading terms and conditions that French users skip through in 7-10 seconds, fundamentally affecting product design and adoption strategies.

Connect with Ivo- https://www.linkedin.com/in/millt/

Book Recommendation

Dominic’s book Mind Your F**king Business is out now

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Dr. Jon Finn wrote his best-selling book ‘The Habit Mechanic’ (which took him over 20 years) because his life’s mission is to help people to be their best in the challenging modern world.

He founded the award-winning Tougher Minds consultancy and has three psychology-related degrees, including a PhD. He has worked in performance psychology, resilience, and leadership science for over 20 years. He also writes regularly for Forbes.

Tougher Minds uses cutting-edge insights from psychology, behavioural science, neuroscience, and world champions to help organisations develop “Habit Mechanics” and “Chief Habit Mechanics”—resilient people, outstanding leaders, and world-class teams.

Having trained and coached over 10,000 people, Dr. Finn, and his colleagues, work with global businesses, high-growth startups, individuals, elite athletes, coaches and teams, leading educational institutes, families, the UK government, and think tanks.

In this episode, Dominic explores AI's impact on the workforce and the journey of integrating AI into behavioural science and habit formation. Inspired by Geoffrey Hinton's work on neural networks, learn how blending traditional methods with cutting-edge AI enhances understanding of brain function and behaviour.

Dr. Jon shares the concept of brain states - recharge, medium-charge, and high-charge - and how AI can revolutionise workflows by automating routine tasks and co-working with humans on complex tasks. Looking forward, we explore the concept of creating high-performing human-AI teams, guiding individuals and businesses toward harmonious collaborations with AI, enabling unprecedented speed and efficiency in achieving goals.

Discover

Automatic Thinking: Human thoughts and behaviours are largely driven by automatic or semi-automatic processes. This is influenced by biases and past experiences, which affect the ability to generate truly conscious and unbiased ideas.

Emotional Regulation in Athletes: In elite sports, the ability to regulate emotions plays a pivotal role in determining whether young athletes maintain or lose their professional status as they age.

Effort and Performance: Sustained success in any field relies on consistent effort, ongoing learning, and the ability to perform effectively under pressure, particularly in challenging or high-stakes situations.

Training Gaps in Mental Performance:  While athletes typically receive extensive training in physical, technical, and tactical aspects, they often lack structured training on understanding and improving their cognitive and emotional processes.

Risks from AI in the Workplace: AI is disrupting workplace roles that involve medium-energy tasks, and people unable to adapt or up-skill are at risk of being replaced. Emotional regulation and the ability to shift to higher-performance states are critical for adapting to these changes.

Paulo Savaget is Associate Professor at University of Oxford’s Department of Engineering Science and Saïd Business School. He holds a PhD from the University of Cambridge as a Gates Scholar and has a background working as a researcher, consultant, and entrepreneur, finding innovative solutions for a more inclusive world.

His research covers the mechanics of entrepreneurship through a 'systems lens' and with a special focus on large-scale socioenvironmental issues (poverty, climate change, and global value chains etc). He has a particular interest in working with practitioners to find and explore solutions for systemic problems in situations where resources are scarce, stakes are high, and time is short.

In this episode, Dominic learns how “scrappy organisations” tackle complex problems through innovative strategies such as piggybacking on existing systems and navigating loopholes in regulations. With Paulo explaining the importance of systems thinking and unconventional approaches to problem-solving. Hear about how businesses can navigate regulatory landscapes, repurpose technology, and leverage self-reinforcing behaviours to create effective workarounds.

Paulo advocates innovation, resourcefulness, and adopting a scrappy mindset in addressing complex problems for individuals and organisations.

Discover

Resourceful and Unconventional Problem-Solving: Creative solutions can be achieved by thinking outside the box and using limited resources in innovative ways to overcome complex challenges.  

Hacking Systems for Impact: Significant change can occur by finding innovative ways to navigate or bypass existing systems and challenges, much like hackers do in their domains.  

Holistic Solutions through Systems Thinking: Looking at problems as part of interconnected systems rather than isolated issues enables more comprehensive and effective problem-solving.  

Inspiration from Scrappy Organisations: Resource-constrained businesses and organisations demonstrate how leveraging opportunities like loopholes and existing systems can lead to remarkable success.  

Innovation Without Large Budgets: Success can lie in strategic thinking, resourcefulness, and ingenuity, proving that high impact doesn’t always require massive financial resources.

Book recommendations:

Hans Rosling - Factfulness

Adam Grant - Originals

Paulo’s book The Four Workarounds is out now

Dominic’s book Mind Your F**king Business is out now

Can AI revolutionise the way your business operates, or even redefine entire industries?

This special episode of Curious Leadership was recorded as a live panel at the CEO Summit 2025, where Dominic was joined on stage by guests Neil Marley, Kevin Bradley, Pedro Arriaga, and John Readman to explore how AI is driving business productivity and innovation across various sectors.

Neil reveals how Neologik pivoted from its roots in training technologists to harnessing AI for document automation, a strategic shift mirroring the evolving job market. Kevin brings a unique perspective on Omegro's strategic growth within Constellation, while Pedro shares how AI has supercharged productivity at his facilities management platform, Pego. John shares insights on AI's transformative role in digital marketing, moving beyond predictive analytics to empower data-driven decision-making at Modo25.

Our panellists offer their perspectives on how businesses can navigate the challenges and opportunities presented by AI, balancing the human role of integrating it into teams, and how to align employee mindsets with technological advancements. 

Hear about the rapid evolution of software development and how agile methodologies can accelerate innovation, including advice on overcoming tech debt, enhancing user interaction through voice prompts, and the competitive edge offered by quick MVP development and AI-driven platforms.

As AI continues to shape industries, we explore the need for education to prepare the next generation with skills in question formation, philosophy, ethics, and domain-specific expertise. 

Elaine Jobson is a dynamic CEO, board director, and culture strategist with over 30 years of experience scaling fitness and wellness brands across Australia, Africa, Asia, and Europe.  

As CEO of Jetts Fitness, she spearheaded the Management Buyout (MBO), restoring the brand to private ownership and founder-driven leadership. Under her guidance, Jetts has flourished, expanding into new markets and repositioning for sustainable, high-performance growth.  

Elaine’s passion for values-driven, high-performing cultures is at the heart of her leadership philosophy. Her book, High Performance Through Happy People, captures her insights on building thriving teams that deliver exceptional results.  

A sought-after keynote speaker, Elaine energises audiences at industry conferences, leadership summits, and corporate events, sharing expertise on leadership, culture strategy, franchising, and team performance. Known for her sharp operational and commercial acumen, Elaine is a proven leader in strategic growth, franchising, and culture transformation - making her one of the most impactful figures in the industry today.

In this episode, Dominic uncovers how the implementation of a Net Promoter Score (NPS) should be a business philosophy rather than just a survey. With Elaine providing insights on identifying detractors through customer feedback, the importance of delivering what she calls “brilliant basics”, and the significance of empowering her club managers and staff to enhance customer service to create a positive culture.

Elaine also shares the rapid growth and expansion of the Jetts Fitness brand, their franchise model, commitment to good profit, the evolving perception of fitness as a means for mental health, and looks ahead at opportunities in the global fitness market, particularly in emerging territories like India.

Discover

How Leadership Drives Growth: Strong leadership is essential for managing growth, stabilising operations, and adapting to changing business environments.

How to Build a Positive Culture: A happy, engaged workforce leads to higher performance and better organisational outcomes. Culture is a key driver of long-term success.

How Metrics Can Improve Performance: Tools like customer satisfaction scores provide valuable insights and help businesses refine their services to meet customer needs, fostering loyalty.

Opportunities in Emerging Markets: Expanding into new markets with growth potential requires strategic planning, market understanding, and partnerships to capitalise effectively.

How Scalable Business Models are Key: Structuring businesses to scale - for instance, through franchising or other replicable models - enables sustainable growth and adaptability across regions.

Book recommendations:

Elaine’s book High Performance Through Happy People is out now

Dominic’s book Mind Your F**king Business is out now

Joseph Michelli is an internationally sought-after speaker, author, and organisational consultant who transfers his knowledge of exceptional business practices in ways that develop joyful and productive workplaces with a focus on customer experience. His insights encourage leaders and frontline workers to grow and invest passionately in all aspects of their lives.

A Wall Street Journal, USA Today, Publishers Weekly, Nielson BookScan, and New York Times #1 bestselling author. Joseph’s most recent book, All Business Is Personal, features proven strategies for boosting customer loyalty, engagement, and sustainable growth, and offers insights leaders can apply across industries to create high-performing, customer-focused organisations.

Joseph holds the Certified Speaking Professional designation from the National Speakers Association (NSA). He is a member of the Authors Guild, an editorial board member for the Beryl Institute's Patient Experience Journal (PXJ), and is on the founders' council of CustomerExperienceOne. Other achievements include winning the Asian Brand Excellence Award and being named as one of the Top 10 thought leaders in Customer Service by Global Gurus. He received his master's and doctorate from the University of Southern California.

In this episode, Dominic explores the intersection of AI and human interaction, questioning the ability of AI to replicate genuine human care and creativity, and the complexities of customer experience, loyalty, and referrals. With Joseph advocating the necessity for CEOs to be passionate and unreasonable in their pursuit of exceptional customer service. He explores strategies for activating referrals, the importance of emotional engagement, and the design of customer journeys that foster loyalty. 

Joseph shares his insights on the transformation of patient experience in US healthcare, and the innovative approach that led One Medical to being acquired by Amazon. Emphasising the importance of redesigning processes to enhance care delivery, he highlights the cost reduction achieved through proactive health management and the role of technology in creating human-centric services. 

Discover

The Power of Emotional Connection in Business: Building an emotional connection with customers, beyond merely offering a product or service, fosters loyalty and helps establish a strong brand identity.

The Importance of Customer Experience: Exceptional customer experience can significantly impact a business's success. By fostering emotional connections and going beyond basic transactional value, businesses can create loyalty and referrals among their customer base.

Word-of-Mouth as a Powerful Marketing Tool: Customer referrals play a crucial role in business growth. Companies that focus on delivering exceptional experiences often benefit from organic word-of-mouth promotion, resulting in reduced sales and marketing costs.

Balancing Cost-Cutting with Customer Experience: While reducing costs is a strategy some businesses consider, focusing solely on cost can lead to commoditisation. Prioritising customer experience and value can differentiate a business and create long-lasting success.

The Influence of Net Promoter Score (NPS): Net Promoter Score is a useful metric for understanding customer loyalty and satisfaction. By asking customers how they found the business, insights can be gained that highlight the importance of customer recommendations and the overall impact of positive experiences.

Book recommendations:

Joseph’s book All Business Is Personal - is out now

Dominic’s book Mind Your F**king Business is out now

James Dawson and Richard Doherty are seasoned professionals from the fintech and financial services industries, each bringing decades of expertise to their respective fields.

James Dawson, founder of Humble Technology, has over 21 years of experience in fintech. His career has been dedicated to addressing and overcoming the challenges fintech startups face in sales. James believes that many fintechs fail not due to a lack of funding but because they rely too heavily on relationship-driven sales rather than employing proven, science-backed methodologies. As a former Head of Europe at OpenFin, a leader in desktop interoperability, James successfully built high-performing teams and developed his own sales techniques. To share his strategic insights, James created the Fintech Sales FastTrack programme - a framework designed to help startups establish predictable and scalable revenue systems. In addition to his fintech achievements, James also owns Humble Grape, a wine bar and merchant that imports high-quality wines from 600 small vineyards across 22 countries, exemplifying his entrepreneurial versatility.

Richard Doherty, meanwhile, leads the technology practice for Asset & Wealth Management at Publicis Sapient, a prominent consultancy in financial services and digital business transformation. With over 20 years of experience in technology and financial services, Richard specialises in helping firms align their technological initiatives with business strategies. His expertise lies in implementing large-scale technological changes, including system overhauls, data transformations, and technology-focused innovations. Richard advises business leaders on building future-ready operating models that leverage technology to drive innovation, generate revenue, cut costs, and mitigate risks. By collaborating with both business and technology stakeholders, Richard fosters alignment that enables firms to ensure sustainable and expedited transformation in highly competitive markets.

Together, James and Richard exemplify leadership and innovation in their fields, uniting expertise in sales strategy, technology, and enterprise transformation to shape the future of fintech and financial services.

In this episode, Dominic explores methodologies used by founder-led sales to scalable sales operations. Learning that in the early stages of business development, a relentless focus on an initial product offering is essential. For example, for Amazon it was books and for Google it was search functionalities - even though their objective was expansion and market domination.

With James and Richard emphasising the importance of aligning sales strategies with marketing efforts, they encourage leaders to nurture a growth-oriented mindset among sales personnel. Hear their insights on the complexities of building successful sales engines that can withstand the rigours of today's competitive landscape.

Discover

Business Growth and Focus: Successful companies often start by focusing on a single, straightforward offering before expanding into larger and more complex operations. This focus is essential in the early stages to build a sustainable foundation.

Sales Transition Challenges: Transitioning from founder-led sales to scalable, enterprise-level sales processes is a significant challenge for businesses, especially in the fintech sector. It requires a particular skill set and mindset to scale sales effectively from small to large operations.

Collaborative Expertise: Leveraging the collaboration of industry experts with diverse professional backgrounds, such as consulting and financial services, can help scale businesses by addressing complex challenges and driving transformation.

The Importance of Combining Sales and Marketing: Businesses can benefit greatly from aligning their sales and marketing functions. This alignment ensures that both teams work toward shared goals and deliver consistent messaging, which improves the overall business development process.

The Value of Specialised Framework: Implementing structured approaches, such as the MEDIC framework, helps businesses enhance their sales processes by focusing on clear, measurable, and adaptable steps, leading to more predictable and successful outcomes.

Book recommendations:

Seth Godin - This Is Strategy

Patrick Lencioni - The Five Dysfunctions of a Team

Shane Parish - Clear Thinking

Dominic’s book Mind Your F**king Business is out now

** Listen to Richard interviewing Dom on his podcast 'The Fintech Scaling Show' **

Mike Hicks' connection to investing in mid-market companies dates back to 1994, when he worked at the EBRD, contributing to the creation of the first private equity fund in Romania. After overseeing a joint venture between Creditanstalt Investment Bank and Advent International, he developed a keen interest in enhancing investor-management interactions, dedicating over 20 years to this pursuit.

In 2010, Mike founded Catalysis, following several years of leading a similar practice at Grant Thornton. With the support of skilled colleagues, he has managed over 375 projects since the company's inception, Mike advocates the importance of coachability and partnership in navigating the complex landscape of mid-market firms.

In this episode, Dominic explores the myths and realities of private equity as Mike dismantles common misconceptions about management and investment partnerships. Highlighting the nuanced dynamics between investors and business leaders, he explains that in smaller companies, collaboration often trumps the fear of management changes. 

Discover

The Role of Private Equity in Business Growth: Private equity plays a crucial role in providing funding for businesses, particularly those lacking tangible assets for traditional bank loans, such as tech companies. It serves as an alternative to the UK's shrinking bank funding market by offering equity, facilitating business growth, and providing management teams a pathway to personal wealth.

Misconceptions About Private Equity: Management teams often face misconceptions about private equity investment. Some assume operations will continue unchanged, while others fear losing control to investors. In truth, investors aim to add value and collaborate for improvements without seizing control of the business.

Team and Organisational Alignment: Aligning the management team’s capabilities with the business's needs is crucial. This match depends on the business model's complexity, market conditions, and growth goals. Businesses often require guidance to optimise their leadership teams to effectively meet these demands.

Governance and Strategy in Management: Effective governance should balance strategy formulation and operational execution without overwhelming management. Boards should prioritise maintaining this balance to ensure alignment with value creation rather than focusing solely on financial oversight. Keeping boards small and focused helps avoid operational inefficiencies.

Mistakes in Scaling Businesses with Private Equity: Common mistakes in scaling businesses post-private equity deal include neglecting due diligence insights, misunderstanding strategy, underestimating organisational inertia, confusing change activity with results, hastily making key personnel decisions, and suffering from unbalanced governance. Avoiding these pitfalls is essential for the success of private-equity-backed ventures.

Higher Multiples with Demonstrated Scalability: Businesses that can demonstrate scalability, such as sustainable growth and robust operational capacity, are more likely to attract higher multiples and favourable responses from investors during deals, highlighting the importance of long-term strategic planning.

Book recommendations:

Rory Sutherland - Alchemy

Ben Horowitz - The Hard Thing About Hard Things

Mike’s book Assessing And Strengthening Teams and Organisations is out now.

Dominic’s book Mind Your F**king Business is out now

Kat Thorne is a positive habits international keynote speaker, teacher and consultant. Her life story of workaholism, breakdown and burnout inspires global audiences to make one small habit change. Former Global Commercial Director & CEO, after losing everything in 2016 due to a health scare, she had no choice but to start again. Kat now works with organisations, leaders and individuals around the world to create one small positive habit change that actually results in increased well-being & resilience.

Kat says “Burnout, anxiety, and stress are at an all-time high. People are the most important asset. The better people look after themselves, the better they perform in all areas of life. The result? A healthier, happier and high-performing work and home life”.

In this episode, Dominic explores how small changes can have a monumental impact on our personal and professional lives, with Kat challenging the outdated notion of separating work from home life, emphasising how intertwined they really are. An advocate of how quality rest shapes his energy levels and daily performance choices, Dom explains the impact of technology on his mood and productivity, highlighting the delicate balance between connectivity and wellbeing. 

We also explore how positive habits can transform work environments, and the power of how small yet consistent changes can improve team dynamics, health, and productivity. From breaking the cycle of multitasking in meetings to achieve genuine engagement, this episode provides actionable insights for both personal and professional growth. Whether it's encouraging kids to embrace creativity without screens or finding simple ways to be present, you'll come away with a toolkit for fostering meaningful change in every area of your life.

Discover

The Power of Morning Routines: Establishing a positive morning routine, like waking up early and dedicating time to self-care, can lead to significant improvements in both personal well-being and professional performance. Starting your day with intention sets a positive tone for everything that follows.

Small Changes, Big Impact: Implementing small, positive habits - such as engaging in just 10 minutes of physical activity each day - can be transformative. These manageable changes can lead to increased energy, improved mood, and greater productivity in both personal and work life.

Integrating Personal and Professional Life: Recognising the interconnection between personal habits and professional success is key. By fostering positive habits in your personal life, you can enhance your performance, satisfaction, and effectiveness at work.

Mindful Technology Use: Be mindful of how and when you consume information, especially through technology. Checking your phone or emails immediately upon waking can inject unnecessary stress and negativity into your day. Instead, create a morning practice that supports a positive mindset.

Overcoming Resistance to Change: While making positive changes, you may encounter resistance or negativity from others. Understand that this is a common challenge, and focus on the long-term benefits of your new habits. Staying committed despite external pressures can lead to profound personal growth and transformation.

Book recommendations:

Dominic’s book Mind Your F**king Business is out now

Keith Ferrazzi, founder of Ferrazzi Greenlight, is a pioneering executive coach, thought leader, and New York Times #1 bestselling author. For over two decades, he’s transformed Fortune 500 companies, unicorn startups, and governments by challenging teams to break silos and embrace "teamship" over leadership. As the leader of the Greenlight Research Institute, Keith drives innovation in team performance and collaboration. His Radical Innovators Collaborative unites bold thinkers for groundbreaking ideas and best practices. A prolific writer featured in Harvard Business Review, Forbes, The Wall Street Journal, and more, Keith’s books include Never Eat Alone, Leading Without Authority, and the cutting-edge Never Lead Alone. In 2024, he received the prestigious Coaches 50 Award, honouring the world’s top executive coaches. Beyond coaching, he’s a philanthropist and strategic investor committed to driving meaningful social impact.

In this episode, Dominic explores innovative collaboration methods such as co-elevation and constructive conflict, the need for a shift from individual resilience to collective team resilience and the potential of AI in shaping future team structures. Keith shares anecdotes from coaching executive teams and the insights gained from his research on high-performing teams, highlighting the importance of collaboration, feedback, and a culture of candour in achieving team success. Hear his thoughts about moving away from traditional hierarchical models to more fluid, self-managed teams, advocating for a culture of openness and shared responsibility.

Discover

Shift from Leadership to Teamship - Leaders are encouraged to empower their teams to self-manage rather than controlling or micromanaging by transitioning from a traditional leadership model to "teamship" - where responsibility is shared across the team. This helps dismantle silos within organisations, fostering collective accountability and better performance.

Candour Over Conflict Avoidance - Radical transparency and open feedback are critical for high-performing teams. Avoiding conflict often leads to mediocrity, while embracing candid and constructive feedback leads to innovation and trust. Practical tools like "candour breaks" and stress testing enable teams to comfortably critique ideas and improve collaboration.

Asynchronous Collaboration and Agile Practices - Traditional meeting-centric collaboration methods are inefficient. Harnessing asynchronous collaboration (e.g., collecting input via shared documents) and agile sprints can make decision-making faster and more inclusive. This modern approach aligns team efforts around Key Performance Indicators (KPIs) and prevents siloed working.

Redefining Teams Beyond Org Charts - Teams aren’t merely those on the organisational chart. Instead, they should be built dynamically around specific goals or KPIs. For example, solving a sales issue may require involvement from marketing, product, and finance—not just the sales department. This approach reduces finger-pointing and fosters cross-functional ownership.

Practices for Building Resilient and Celebratory Teams - High-performing teams focus not only on achieving results but also on maintaining team well-being. Practices like monthly "energy checks" ensure team members support one another during challenging times. Additionally, celebrating successes creates a culture of positivity and enhances morale. Peer-to-peer recognition is particularly impactful and energising.

Book recommendations:

Andrew McAfee - The Geek Way

Peter Diamandis and Steven Kotler - Abundance: The Future is Better Than You Think

Keith’s book Never Lead Alone is out now

Dominic’s book Mind Your F**king Business is out now