Andreas Burner is chief innovation officer at SmartStream Technologies, where he leads development of artificial intelligence and other next-gen tech for financial institutions. Andreas discusses where AI and machine learning is at; how it is being used by banks, asset managers and insurers; challenges such as "explainability"; and how AI is combining with blockchain.

Varun Mittal discusses his book, "Singapore: The Fintech Nation"; his views on how fintech companies can scale in Southeast Asia; where capital is flowing; what would make for the ideal fintech startup in 2021.

Varun is partner at EY and has worked at Ant, Samsung and Singtel.

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