#banking #neobanking #fintech #corebanking #digital
Dharmesh and Efi, discuss the limitations of digital banks and those of incumbents. A unique perspective with an emphasis on the UK, which is a crowded neobank market and home to several Big incumbent names.
We also touch on topics like the adoption of new corebanking systems, embedded finance, and the evolving model of digital banks.

Chapters:
The Role of Digital Banks in Recent Bank Failures
Introducing Dharmesh Mistry
The Evolution of Incumbent Banks Due to Neobanks
The Challenges of Achieving Profitability in Digital Banking
The Role of Incumbent Banks in the Digital Banking Landscape
Neobanks Are Using Old Marketing Tricks
The Future of Digital Banking and the Role of Legacy Systems
The Concept of Composable Banking
Personal Insights and Closing Remarks

The conversation was inspired by a recent article by Dharmesh onFintech Futures: `The irony of incumbent core banking vendors`

https://www.fintechfutures.com/2023/1...

https://www.linkedin.com/in/dharmesh-...

Dharmesh Mistry has been digitizing banks for over 30 years. He's worked for tier 1 banks and created and successfully exited 3 startups. 
Dharmesh now has a portfolio career as an advisor and investor in startups and as a blogger and writer for FinTech Futures.

#data #AI #fintech #digital #innovation #strategy

An unconventional discussion on Digital Transformation, exchanging insights from various industries (from manufacturing to financial services), discussing KPIs (from business ones to personal ones), sustainability, and the mastery of challenges. 

Mike Flache is an advisor and mentor, former entrepreneur and angel investor. Together with talented teams, he builds digital businesses worldwide. Onalytica’s analysts named him one of the top-10 global thought leaders in digital transformation. Mike helps high-tech innovators in Silicon Valley, Europe, and Asia grow and scale. Together with the Fundment team, he is currently building one of the next billion-dollar companies in financial technology. Mike is also a partner of Fortune 500 companies and technology vendors. He has worked with executives from companies such as the Silicon Valley Innovation Center, Google, Amazon, Huawei, and Mercedes-Benz.

LinkedIn: https://www.linkedin.com/in/mikeflache/

Twitter: https://twitter.com/mikeflache

Personal website: https://www.mikeflache.com/

#banking #risk #lending #riskmanagement #fintech #data #analytics

What is the Elephant in the Room in Banking that comes to mind following the collapse of Silicon Valley Bank (SVB), Signature Bank, First Republic Bank, and recently the Citizens Bank (a small state-chartered Iowa bank)?

The problem that bankers and regulators wish someone would solve is the topic of the discussion with serial entrepreneur Michal Cieplinski (founder and CEO of Capstack).

Enjoy every moment of this Conversation.

Capstack https://www.capstack.com/

Michal Cieplinski https://www.linkedin.com/in/michalcie... is a Silicon Valley veteran with over 24 years of operating and legal experience in financial technology and services. Before founding CapStack, first integrated operating system for banks, he co-founded Pipe, a unicorn and one of the fastest-growing fintech startups. Prior to Pipe, Michal was Senior Vice President at Lending Club, the largest publicly traded fintech lender responsible for operational and legal matters. Prior to that, he co-founded Fundbox, a unicorn B2B fintech lender. He was also Managing Director and SeniorCounsel at The Bank of New York Mellon responsible for wealth management and investment management units. Michal has been recognized by GC Magazine/Legal500 on the GC Powerlist 2019 as one of the top general counsels in the United States in both the finance and technology sectors. He combines left-brain and right-brain thinking with an MFA in Photography, deep expertise in banking and capital markets, and as a graduate of the George Washington University Law School.

#fintech #innovation #entrepreneurship 

‘Nobody in their right mind’ would start a company. Whether you agree or not, listen to the conversation with Nektarios Liolios, a four-time co-founder and host of a podcast on mental health of entrepreneurs.

Nektarios Liolios https://www.linkedin.com/in/nekliolios/

Fintech entrepreneur, ecosystem builder and mental health advocate. Son of Greek immigrants, born in Germany and moved to London 27 years ago.

Nektarios ‘fell into' banking and spent the first 15 years of his career in very traditional roles within financial institutions. This changed in 2011 when he joined an innovation team at SWIFT, a step that led him out of the corporate world and into entrepreneurship. Since then he has started multiple businesses and has worked closely with hundreds of entrepreneurs and early-stage businesses. 

He launched the Innotribe Startup Challenge, the first global fintech startup competition and cofounded Startup bootcamp FinTech, the world’s largest fintech startup accelerator and Rainmaking Innovation. He also cofounded The Future Farm, a global community dedicated to healthier entrepreneurship, 

His latest venture is Radish Credit, a lending-as-a-service platform, helping underserved communities finance important life needs.
 
Driven by entrepreneurship, collaboration and the desire to improve the lives of people, Nektarios is a global nomad, travel geek, and sneaker freaked.

#embeddedfinance #fintech #finance

Businesses of all sorts now have the opportunity to serve their customers better, acquire new customers, and add new revenue streams, by embedding financial services in their businesses.

It is no longer prohibitively expensive. The landscape of providers offering embedding services in compliant ways is growing.

Listen to the conversation on this topic with Lars Markull https://www.linkedin.com/in/larsmarkull/ whose been working in Open Banking and Embedding Finance for more than a decade.

Lars Markull is an embedded finance advisor and fintech investor. He works with non-financial brands and supports them in their journey of exploring, building, and launching financial products. Additionally, he is the publisher of the newsletter Embedded Finance Review and is hosting events under the same brand. He started his career in 2014 when he was a founding team member of the open banking provider Figo, and was an early hire at embedded banking provider Weavr, which he joined in 2020.

#crypto #Latam #Brazil #stablecoins #PIX #payments #CBDCs #fintech #innovation

A discussion with the founder of the Brazil Crypto Report newsletter on the use cases of cryptocurrencies in Brazil and other Latin American countries; The unique aspects of the rich Brazilian crypto ecosystem; The significant role of Stablecoin adoption, from USDT (pegged to the USD) to Brazilian Real pegged Stablecoins.
His excitement about DREX, the wholesale pilot of the Brazilian Central Bank and the interest in the tokenization of real-world assets (RWAs) supported by a CBsandbox.

Aaron Stanley https://www.linkedin.com/in/aaronstan... oversees partnerships and events initiatives for the Filecoin Foundation, with an emphasis on growing the Filecoin ecosystem https://filecoin.io/ and advancing decentralized web narratives. He is also the founder and CEO of Brazil Crypto Report, https://brazilcrypto.substack.com/p/i... focused on the Brazil and Latam ecosystems (in English). He previously oversaw content and programming for CoinDesk's Consensus conference, the "big tent" global gathering of the cryptocurrency and blockchain ecosystem each year. 

His focus is driving industry-advancing narratives through events and editorial content, as well as incorporating Web 3.0 technology into the media and event experience. He previously covered the blockchain and cryptocurrency industry as a reporter for CoinDesk and Forbes.com, and before that spent four years in the Financial Times' Washington Bureau covering U.S. business and politics and building out interactive and multimedia products.

#fintech #embeddedfinance #API #Baas #BigTech

A candid conversation with Shaul David, an Embedded Finance advisor, on the next phase of Embedded Finance that goes beyond the Financial Services industry.

We highlight misconceptions, the need to go beyond the tech (API integrations) and to solve real-world problems in various non-financial sectors.

Shaul  David https://www.linkedin.com/in/shaul-dav... a London-based Fintech advisor with a global outlook on Embedded Finance, Banking as a Service and payments infrastructure. Shaul works with startups, financial institutions and governments to accelerate innovation across industry verticals. 

Previously, Shaul was Head of Banking, Growth at Railsbank where he led international expansion to US and Australia. Prior to Railsbank, Shaul was the UK Government's first Fintech Advisor reporting to HM Treasury where he played a role building the UK Fintech ecosystem, cementing its global leadership position. Earlier in his career, Shaul held various roles within retail banking technology and finance. He is also a basketball junkie.

#fintech #finance #banking #wallets #CBDCs #cash #digital

The Seven Solar Systems of the Financial Technology Galaxy as seen by David Gyori, is a fresh perspective on the complexity of innovation in financial services. We dive into Digital Wallets, Cashless economies, CBDCs, and what he views as `the antibiotics moment` for Finance.

Bio:
David Gyori https://www.linkedin.com/in/davidgyor... is a globally recognized financial technology trainer, author, advisor, consultant and keynote speaker. 

David is the CEO of Banking Reports London. He is a top 10 global thought leader and influencer in financial technology and a top 50 global thought leader and influencer in digital transformation. 

He is a Founding Member of the World FinTech Association (Seoul); CEO of Banking Reports Limited (London); International Resource Director of The Asian Banker Group (Singapore); Member of the Panel of Judges of the ‘International Excellence in Retail Financial Services Program’ (one of the most rigorous, prestigious and transparent awards programs for consumer financial services worldwide) as well as Member of the Panel of Judges of the ‘Financial Technology Innovation Awards Program’ (Singapore).

#cbds #fintech #finance #digitalcurrency
Patrick  Schueffel's article in the Journal of Digital Assets on CBDCs: https://buff.ly/45GFaeP

Dr Patrick Schueffel https://www.linkedin.com/in/patrick-s... is an adjunct professor at Fribourg’s School of Management in Switzerland. His research focuses on Fintech, Digital Assets and Entrepreneurship. Patrick has worked for many years in senior positions in banking in Switzerland and Liechtenstein. Due to three-year stint in Singapore, he has an extensive network in the crypto area in Southeast Asia. He has been publishing widely in renowned scientific journals and holds numerous postgraduate degrees from universities across Europe.

#AI #risk #data #ethics #fintech

An insightful interview with Helen Yu, CEO of Tigon Advisory,  as we delve into the world of AI risk management. Discover the genesis of enterprise-level AI risk management. We unravel the NIST AI Risk Management Framework's structured approach, and gain insights into its implementation across organizations.

Helen Yu shares her expert insights on AI risk management principles and offers valuable implementation tips.

Bio: Helen Yu is the founder and CEO of Tigon Advisory Corp, Host of CXO Spice and a wall-street journal best-selling author.  As an independent Board Director, she brings a unique perspective to the board room, combining deep technology thought leadership, cybersecurity risk management, go-to-market strategy, and customer experience to deliver thoughtful questions and insights that help drive informed decisions. Demonstrated success of leading ambitious companies inspired culture-building, multi-billion dollars revenue growth and profitability through a career that has spanned early-stage startups, pre-IPOs to Fortune 500 enterprises including Oracle, Adobe and Marketo.  Helen Managed over 100 million dollars of P&L at global scale.   As an executive with over 20 years of experience, she has been guiding organizations through digital transformation, strategic planning, cybersecurity risk management and go-to-market optimization.