In this powerful episode of Dave and Dharm Demystify, technologist and financial services veteran Ciara Conway joins Dave and Dharmesh for a frank and wide-ranging conversation about demystifying the forces shaping our future. The trio take on some of the biggest questions of our time: What happens when innovation is driven by profit above all else? How will AI and automation reshape our world of work, and at what cost to human dignity? And can we build a new social contract that ensures technology serves society, rather than erodes it?

Drawing on real-world examples – from the privatisation of water to the rising costs of life-saving medicines, Ciara challenges the idea that progress is always good, urging us to question who benefits and at what price. They discuss the urgent need for ethics in boardrooms, government frameworks to protect the public good, and grassroots activism to hold power to account.

Despite the heavy themes, this is a conversation rooted in optimism. Ciara, Dave, and Dharmesh explore how small, determined groups of people can spark meaningful change, why open debate matters more than ever, and how we might still shape a future worth getting out of bed for.

In this episode, Dave and Dharmesh are joined by Thea Loch, Head of Digital Payments at Lloyds Banking Group, for an insightful discussion on the evolving landscape of digital payments and innovation within one of the UK’s largest banks. Thea offers a deep dive into Lloyds’ efforts to modernise its infrastructure, streamline legacy systems, and enhance customer experience while maintaining resilience at scale.

She sheds light on the bank’s shift from transactional to contextual services, driven by advancements in AI and a platform-based operating model that integrates design, technology, and business teams. Thea also highlights the importance of strong leadership, particularly under CEO Charlie Nunn, in steering Lloyds towards a future of responsible AI experimentation, agile development, and customer-centric innovation.

With examples like the rollout of ‘Request to Pay’ and improvements in faster payments, Thea outlines Lloyds' ambitions to stay competitive amid fintech disruption. The conversation explores everything from the challenges of system integration to the cultural shifts needed for digital and AI transformation, underscoring the bank’s goal to become the UK’s biggest fintech - Without losing the human touch!

In this episode, recorded in Limassol, Cyprus at the Reflect Festival, Breno Oliveira, Head of Product at Payabl, shares insights from his presentation on the evolution of the checkout experience. He discusses how Payabl is helping merchants across Europe streamline and unify their payment solutions to meet rising consumer expectations.

Breno delves into the findings of a recent research study conducted with 1,400 consumers across Europe, aimed at understanding evolving payment behaviours and preferences. Notable insights include that 43% of consumers abandon e-commerce sites following a poor checkout experience, and that Gen Z expects to complete transactions in under 10 seconds. The research also highlights the critical role of regional payment preferences and the growing demand for fast, secure and seamless checkouts.

He stresses the importance of creating frictionless and localised payment journeys that inspire consumer trust and satisfaction. Breno also discusses Payabl’s latest initiatives, including an AI-powered fraud prevention programme and the upcoming launch of the Payabl card.

The conversation reinforces the value of consumer research in shaping product strategy and enhancing user experience in an increasingly competitive payments landscape.

In this episode, the conversation centres on embedded finance and digital transformation with Christie Kristensen, Partnership Manager at Danske Bank. Christie shares her experience working across fintech and banking, and how Danske is evolving to meet the needs of corporate clients by embedding financial services directly into enterprise systems such as ERPs and treasury platforms.

The discussion explores how Danske is moving beyond regulatory open banking APIs to offer premium APIs that support real-time, data-driven decision-making. These APIs are designed to automate traditionally manual workflows like financial reporting and cash management, reducing reliance on outdated file-based systems. Christie emphasises a strong co-creation model, where product development is informed directly by customer and partner feedback, ensuring relevance and tangible impact.

She also describes how Danske’s strategy, known as the 428 plan, aims to position the bank as a vital infrastructure player in the ecosystem—focusing on powering finance rather than owning the user interface. The integration of AI and real-time data is also touched upon, with a view towards future-proofing financial operations and enabling predictive insights for finance professionals.

With a culture that mirrors fintech agility, cross-functional collaboration between tech and business, and a firm commitment to customer-centric innovation, Danske Bank is setting a benchmark for how traditional institutions can reinvent themselves in the embedded finance era.

In his episode of the Dave and Dharm Demystify Show, host Dharm is joined by Rob Dunlap, Head of Product Innovation at Zafin, to discuss the evolving landscape of agentic AI and its applications in banking.

Rob had previously lead AI initiatives at IBM before joining Zafin making him a great subject matter expert for demystifying agentic banking.

The conversation delves into the definition and implications of agentic AI, emphasizing its transformative potential and role in automating complex financial tasks. Rob shares insights on how third-party apps are pioneering the adoption of AI in personal finance, while banks must catch up to maintain customer trust and offer personalized services.

The discussion touches on the challenges banks face, such as overcoming internal silos and ensuring regulatory compliance, and highlights the importance of human and AI partnerships. Rob also talks about the rapid pace of AI innovation and the importance of designing AI solutions for user adoption

In this episode of the Dave and Dharm Show, Jim Rowan, Head of AI at Deloitte US, provides a deep dive demystification into the evolving impact of AI across the enterprise landscape.

Jim shares insights from his role leading AI innovation and internal transformation at Deloitte, highlighting how organisations can leverage AI not only for operational efficiency but also for long-term strategic reinvention.

The conversation explores the emergence of agentic AI, where we are on the adoption curve, and the foundational steps enterprises must take to realise its potential.

Jim also tackles the critical themes of trust and regulation, and underlines the importance of equipping both employees and leadership with AI fluency.

With real-world examples and thought-provoking commentary on the future of work and customer relationships, this episode offers a compelling perspective on navigating an AI-accelerated future.

In this episode, we delve into the complex and ongoing journey of digital transformation in banking with two leading voices in the field: Don Free, formerly a lead analyst at Gartner, and Jost Hoppermann, formerly a lead analyst at Forrester. Now operating as independent experts at Angry Rabbit, Don and Jost bring candid insights into how digital transformation is unfolding across banking tiers and global regions.

They explore why transformation cannot be treated as a one-off initiative but must instead become a core part of a bank’s operating model. A central theme is composability; both its potential and its pitfalls. Jost explains why composable architecture often fails to live up to expectations, citing architectural complexity and poor integration as common stumbling blocks.

Together they highlight recurring mistakes made by banks on the digital journey, from ‘honeymoon trust’ in vendors, to superficial ‘core cloning’, to inadequate data governance. They argue for a more adaptive, evolutionary approach that blends strategic planning with flexible, modular architecture.

The conversation is a timely reminder that digital transformation is not a destination. It is an ongoing, adaptive process essential for keeping pace with technological shifts and regulatory change.

Join hosts Dave and Dharmesh as they dive into an illuminating conversation with serial fintech entrepreneur David Sosna. David, known for founding groundbreaking fintech companies like Actimize and Personetics, shares his journey from pioneering data-driven solutions for fraud detection to enhancing customer financial management with insightful digital tools.

In this episode, David unveils his latest venture, Sympera.ai, a transformative platform harnessing the power of generative AI to revolutionise business banking. He discusses how Sympera.ai empowers bankers, particularly in the underserved small and medium-sized business sector, by seamlessly combining digital efficiency with essential human expertise. David also shares insights into securing a \$10 million seed funding round, his vision for leveraging AI to provide tailored financial guidance, and why the future of banking hinges on blending technological innovation with personal human connections.

Tune in to explore the cutting-edge intersection of finance, technology, and customer experience, and hear firsthand how David Sosna is once again reshaping the fintech landscape.

This week, we are delighted to host Carl Slabicki, Executive Platform Owner for Treasury Services at BNY. Carl dives deep into the evolving world of treasury services, highlighting BNY's immense scale; moving over $3 trillion daily, and the vital role they play globally, supporting banks, corporates, fintechs, and government entities.

In this insightful discussion, Carl reveals how treasury services have transitioned from traditional back-office operations to become real-time, 24/7 competitive advantages for businesses. He shares fascinating insights into BNY's pioneering adoption of AI, including their innovative Eliza platform, and discusses critical applications like payment processing, fraud detection, and cash flow analytics. Carl also addresses the pressing challenges of cyber security, operational resiliency, and industry-wide collaboration to combat fraud.

Tune in for an expert perspective on the technology-driven transformation reshaping the treasury landscape.

In this episode, Dharmesh sits down with Greta Ranonytė, Head of FinTech Hub LT, to explore what is driving Lithuania’s rise as a leading FinTech destination. Greta outlines the country’s key advantages, from seamless access to the EU market post-Brexit and progressive, FinTech friendly regulation, to a deep talent pool, especially in compliance and anti-money laundering.

They delve into the evolving role of AI in FinTech, recognising its value in streamlining operations, though noting it remains a supporting tool rather than a central focus for most firms. Greta also compares Lithuania’s competitive edge to other European FinTech hubs such as the Netherlands and Estonia.

The conversation underscores Lithuania’s strategic approach to attracting FinTechs through regulatory innovation and robust infrastructure, even as EU wide regulatory pressures mount. The episode closes with Greta’s compelling pitch to international start-ups, particularly from the US and Asia, on why Lithuania offers a smart, scalable base for European expansion.