In this episode of Deciphered, Mike Cashman, partner, Bain & Company is joined by Alex Robinson, CEO, Juniper Square to discuss AI’s growing impact on fund services.

Timestamps:

• 03:52 Digital interfaces for investor experience in private markets
• 13:54 Automation in repetitive fund administration tasks
• 18:58 Probabilistic vs deterministic models in AI applications
• 27:19 Future industry structure of fund administration services
• 34:20 Passporting KYC identities across funds and platforms
• 39:04 Protocol-based solutions for universal KYC in private markets
• 39:32 How to learn more about Juniper Square's innovations

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• You can find Mike Cashman here
• You can find Alex Robinson here

For more insights from the Deciphered podcast, visit the page on Bain’s website

In this episode of Deciphered, Mike Cashman, partner, Bain & Company is joined by Ricardo Correia, partner, Bain & Company, Dante Disparte, CSO and Head of Global Policy and Operations, Circle, Jane McEvoy, SVP Fintech, BVNK and Cindy Turner, Chief Product Officer, WorldPay to discuss the state of stablecoins in 2025.

Timestamps:

• 03:22 Stablecoin infrastructure providers and enterprise integration
• 04:53 WorldPay's stablecoin payout solutions for marketplaces
• 06:11 Stablecoins disrupting traditional cross-border payments
• 10:00 Singleness of money and stablecoin interoperability
• 14:40 Elasticity of money and stablecoin reserves
• 17:41 Productization of stablecoins in payouts and escrow
• 27:03 Regulatory harmonization for stablecoins across jurisdictions
• 31:27 Future use cases of stablecoins beyond cross-border payments

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• You can find Mike Cashman here
• You can find Ricardo Correia here
• You can find Dante Disparte here
• You can find Jane McEvoy here
• You can find Cindy Turner here

For more insights from the Deciphered podcast, visit the page on Bain’s website

In this episode of Deciphered, Jeff Tijssen, partner and global head of Fintech, Bain & Company is joined by Georgios Kolovos, EMEA Payments & Fintech Leader, NVIDIA and Phoebe Wallis, Chief Revenue Officer, Griffin to discuss what’s next for Fintech.

Timestamps:

• 5:51 What's next for Fintech?
• 8:50 Evolution of Fintech landscape post-funding boom
• 11:26 Emerging trends: AI, stablecoins, and data challenges
• 16:17 Nvidia's work with FS firms on AI efforts
• 20:20 Practical AI applications in fraud and risk mitigation
• 24:04 Outlook for Fintech IPOs and market sentiment
• 27:45 Future of Fintech: Personalization and vertical payments

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• You can find Jeff Tijssen here
• You can find Georgios Kolovos here
• You can find Phoebe Wallis here

For more insights from the Deciphered podcast, visit the page on Bain’s website

In this episode of Deciphered, Adam Davis, expert associate partner at Bain & Company and Jeff Tijssen, partner and global head of Fintech, Bain & Company are joined by an all-Bain lineup, Karim Ahmad, expert partner, Mike Smith, expert partner, and Tevia Segovia, partner to discuss what will be the top Fintech trends of 2025.

Timestamps:

• 03:13 Looking Ahead: What Are the Top Trends for Fintech in 2025
• 09:42 Has a stable environment materialised over the last year?
• 14:19 Fintech investment
• 15:46 Impact of the election on private markets
• 18:28 What excites you in the FS ecosystem in 2025?
• 20:47 What's caught your eye in the world of payments?
• 24:05 PSD regulations
• 27:11 Stripe & becoming processor agnostic
• 29:39 How will stablecoins affect the market in 2025?
• 31:18 Is Klarna's IPO valuation vindication for the BNPL model?
• 33:17 How will the election affect fintech & FS endeavours going into 2025?
• 34:49 Pre-election crypto promises
• 38:32 Growth in valuations for tier 1 players
• 42:26 AI use case break throughs
• 44:32 How can digital banks stand out to investors in 2025?
• 47:43 FS predictions for 2025

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• You can find Adam Davis here
• You can find Jeff Tijssen here
• You can find Mike Smith here
• You can find Tevia Segovia here
• You can find Karim Ahmad here

For more insights from the Deciphered podcast, visit the page on Bain’s website

In this episode of Deciphered, Jeff Tijssen, partner and global head of Fintech, Bain & Company, is joined by Kelvin Tan, chief executive officer, Audax and Rishi Sethi, head of Fintech, Torch Partners to discuss Fintech investment trends in Asia.

Timestamps:

• 03:30 Why is Asia such an exciting Fintech market?
• 07:13 Upcoming Fintech trends
• 11:57 What does the current Fintech investment landscape look like in Asia?
• 17:18 How has the Fintech ecosystem in Asia evolved in recent years?
• 20:50 What challenges do Asian Fintechs face looking to expand across the region?
• 24:24 How will the Asian FinTech landscape evolve over the next 2-3 years?
• 27:08 How can the region attract more investments?
• 29:32 How can the government create an environment for Fintechs to thrive?
• 33:23 Advice for aspiring entrepreneurs building in Asia

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• You can find Jeff Tijssen here
• You can find Kelvin Tan here
• You can find Rishi Sethi here

For more insights from the Deciphered podcast, visit the page on Bain’s website

In this episode of Deciphered, host Jeff Tijssen, partner and global head of Fintech, Bain & Company, is joined by Mike Cashman, partner at Bain & Company, Nik Milanović, founder of This Week in Fintech and general partner at The Fintech Fund and Clara Jackson, director of investments at TA Associates, to discuss if we're about to witness the great Fintech rebound.

Timestamps:

• 04:36 From Turbulence to Triumph: Are We About to Witness the Great Fintech Rebound?
• 06:24 Are there any changes to how Fintech companies are being evaluated for investments?
• 08:01 How have growth investors and private equity firms been looking at the industry?
• 09:04 Early stage venture capital
• 11:02 Fintech funding in 2024
• 12:50 What's giving companies confidence in pushing for IPOs?
• 15:52 Interesting sub sectors in the current market
• 20:28 What makes a great Fintech company to invest in?
• 24:30 Are there any particular countries where Fintech is flourishing?
• 26:25 Outlook for 2025
• 30:34 One piece of advice for investors

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• You can find Jeff Tijssen here
• You can find Mike Cashman here
• You can find Nik Milanović here
• You can find Clara Jackson here

For more insights from the Deciphered podcast, visit the page on Bain’s website

In this episode of Deciphered, Adam Davis, expert associate partner at Bain & Company, is joined by Chris Kuiper, Director of Research at Fidelity Digital Assets, Edward Woodford, CEO at Zero Hash and Jeremy Fox-Geen, CFO at Circle to discuss whether crypto has crossed the institutional and consumer chasm.

Timestamps:

• 06:22 Has crypto crossed the institutional and consumer chasm?
• 09:41 What's underpinned this crypto bull run over the last 12 months?
• 12:56 How do Bitcoin ETFs differ from other ETFs?
• 15:11 Regulatory hurdles with Bitcoin ETFs
• 17:21 Is there a correlation between user adoption and ETF approvals?
• 18:57 Bitcoin: Will the use cases grow, or is it just a store of value?
• 23:16 Which other crypto assets could go through this regulatory process in the near future?
• 25:23 The future of stablecoins
• 32:52 What are the blockers stopping widescale adoption of stablecoins?
• 42:59 How has crypto influenced global culture and society?
• 48:37 What role will crypto play in Financial Services once it has fully matured?

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• You can find Adam Davis here
• You can find Chris Kuiper here
• You can find Edward Woodford here
• You can find Jeremy Fox-Geen here

For more insights from the Deciphered podcast, visit the page on Bain’s website

In this episode of Deciphered, recorded live from Money20/20 Europe, host Adam Davis, Bain associate partner, is joined by Jeff Tijssen, Bain partner and global head of fintech, Ronit Ghose, Citi Future of Finance global head of banks research and cohead of fintech and Anthony Craufurd, Visa Europe director of ventures and startup engagement, to discuss which transformative technologies will shape the future of Fintech.

Timestamps:

• 04:46 Betting on Fintech: Which transformative technologies will shape the future?
• 09:48 Practical applications of new technologies in financial services
• 13:50 How is the research at Citi translated into investment and product decisions?
• 16:12 Dividing up ventures from a tech perspective
• 18:09 Integrating investments back and driving revenue
• 19:22 Overhyped technologies
• 22:59 Proof points when looking at companies pioneering new technologies
• 24:58 Money 2020 takeaways

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• You can find Adam Davis here
• You can find Jeff Tijssen here
• You can find Ronit Ghose here
• You can find Anthony Craufurd here

For more insights from the Deciphered podcast, visit the page on Bain’s website

In this episode of Deciphered, Adam Davis, expert associate partner at Bain & Company, is joined by Erin McCune, expert partner at Bain & Company, Ed McLaughlin, President and Chief Technology Officer at MasterCard, Sladjana Jovanovic, Chief Information Officer for the Canadian Personal Business Banking at BMO Financial Group, and Daragh Morrissey, director of AI at Microsoft Worldwide Financial Services, to discuss if the world is ready for AI and quantum's impact on payments.

Timestamps:

• 06:06 AI and Quantum: Is the World Ready for the Impact on Payments?
• 12:19 Based on Bain's surveys on AI, are those expectations realistic? And what timeframe are we looking at?
• 15:29 How will AI transform our experience with payments?
• 18:32 How is Mastercard implementing AI to meet future expectations?
• 21:05 How does the growth and maturation of accountability change as AI models develop?
• 26:27 What are the most interesting use cases of AI?
• 31:48 Quantum computing: What is it? And how will it impact us?
• 37:01 How will quantum computing impact fraud?
• 40:46 Who will be the biggest benefactors of quantum?
• 45:36 How have partnerships effected POCs & go-to-market solutions?

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• You can find Adam Davis here
• You can find Erin McCune here
• You can find Ed McLaughlin here
• You can find Sladjana Jovanovic here
• You can find Daragh Morrissey here

For more insights from the Deciphered podcast, visit the page on Bain’s website

In this episode of Deciphered, Adam Davis, expert associate partner at Bain & Company, is joined by Wendy Redshaw, Chief Digital Information Officer at NatWest, and Jason Maude, chief technology advocate of Starling Bank, to discuss if there is still a technology gap between incumbents vs challengers.

Timestamps:

• 04:15 Incumbents vs Challengers – is there still a technology gap?
• 05:24 How would you explain the technology gap previously between large tier 1s and neobanks?
• 09:57 What are the key differences between a challenger stack and an incumbent stack?
• 12:31 How have Starling maintained a simple / flexible architecture through the launch of new products and the scaling of your customer base?
• 15:24 Occasional vs repeatable releases
• 16:02 Centralisation efforts that have happened with NatWest’s tech estate over recent times
• 19:36 Is the money banks spend on IT transformation programmes worth it?
• 21:33 Do you believe the combination of ML / AI and Generative AI, alongside exclusive Cloud deployment, will level the playing field?
• 25:15 What underpins the culture you want to see at your organizations, and how do you encourage it?
• 29:57 How do you keep up with Futurology and trends, and does any of that thinking feature in your tech roadmaps?
• 34:30 What is your one prediction for tech trends into 2024?

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• You can find Adam Davis here
• You can find Wendy Redshaw here
• You can find Jason Maude here

For more insights from the Deciphered podcast, visit the page on Bain’s website