U-Zyn Chua is the CTO and co-founder of Cake Group, a company focused on simplifying decentralised finance (DeFi) for retail users. He has been deeply involved in the cryptocurrency sector since 2009, starting with Bitcoin. His entry into the crypto world was motivated by his interest in cybersecurity and cryptography.

In the early days, he actively participated in Bitcoin forums, earning some Bitcoin and contributing to crypto-focused businesses. Notable among his achievements are the establishment of the first crypto exchange in Asia and serving as the architect for the world's first Central Bank Digital Currency (CBDC) in the Bahamas.

In this Podcast U-ZYN, helps demystify DeFi, why he is so bullish about the future and how BitCoin is becoming a utility, not just a store of value.

Prema is The President of Product and COO of Temenos. She has a long history with Temenos, having started in the business in 1999 as an engineer before working her way up to a leadership position. She has had a ringside seat on the changes that have happened in digital banking.

In this exceptional podcast, Prema takes us straight to the heart of the matter and talks about that and how the core of core banking has changed over the last 25 years.

Max Faldin is the founder of Silverbird, a fintech that serves exporters and importers around the globe. Max talks to us about how his frustrations with "the archaic, broken system" of cross-border payments led him to found Silverbird, an SME-focused fintech. Max talks us through the incredible scale of the opportunity and how by using technology, he has managed to bring the costs to customers down by incredible orders of magnitude whilst maximising efficiencies. This is an incredible story of identifying a problem and setting out to solve it.

In this special episode of Dave and Dharm Demystify, Dave is joined by producer Lou Carlozo in a sauna at Money 20/20 to chat with Monika Liikamaa, co-founder of the payments company Enfuce. Monika talks through her history and tells us more about Enfuce and her general views on the payment industry. She is incredibly open, honest and very straight-talking.

This week's guests are Santos Miguel and Dave Feuer from Galileo, a proven financial technology platform for fintechs, offering card issuing, payments and digital banking. Santos and Dave provide different a perspective on BaaS, one that is focused less on the technology and more on banks and their customers.

Nick Drewett is the CCO of Engine by Starling, Starlings BAAS proposition which is cloud-native, modular and entirely API-based. Nick talks about why Starling has launched Engine, the opportunity they see, and how they believe they are differentiated from competitors.

Andrew Sims is co-founder and CEO of nDigital, an integrated banking-as-a-service, card processing and payments group based out of Bahrain. Andrew talks to us about why the global centre of gravity for FinTech seems to be moving towards the Middle East and what nDigital offers through its portfolio of businesses.

Kelvin Tan is Managing Director and Head at SCB Nexus, which is the bank's white-label plug-and-play banking solution. We talked to Kelvin about the history of BAAS in SCB and how Nexus is positioned in the marketplace. We also discussed how the bank is spinning out the IP to create a new entity called Audax Financial Technologies.

Paul was, until recently, Head of Embedded Banking at HSBC. We discuss with him his views on the embedded banking market and its role in helping brands build loyalty with customers.

Joseph Edwin is one of the OG’s of digital transformation. He has worked Client Side for Nordea and Commonwealth Bank of Australia and now is a partner at Bain & Co, focused on helping companies succeed as they transform. Joe does an incredible job of demystifying transformation and telling us about the recipe for success!