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Episode Title: 🇬🇧Economics of Advice - The Changing Role of Management Consultants in the Professional Services Industry🇬🇧

This special end-of-year episode of Heads Talk® I am joined by three gentlemen I’ve known for decades, former colleagues, industry peers, and each a respected voice in the evolution of consulting. In the spirit of the season, you might even say I’ve gathered three wise men to help us navigate where professional services go next in the age of AI.

Craig Walker, Chris Gant, Eddie Short: Between them, they’ve led major global transformations, shaped technology strategy in the Big 4 (KPMG, EY, Deloitte), and held C-suite, board and leadership roles across organisations such as Shell, O2, Capgemini, Salesforce, and more. Now, they’ve come together to build a new kind of consulting firm: lean, senior-led, and AI-era ready:- Veles Consulting.

This conversation isn’t about automation or incremental efficiency. It’s about reinvention - the new economics of advice, the erosion and rebuilding of trust, and whether agile boutiques are truly challenging the Big Firm model… or simply rewriting the rules with smarter tools.

As one of my final episodes of 2025, with Christmas around the corner, it felt only fitting to close the year in conversation with three people I’ve known, respected, and collaborated with for years. It’s a sharp, lively, insider discussion about what consulting was, what it is, and what it must become in the age of agentic AI.

Stay tuned. This one lands with impact!!

Topics Covered:
◽️ Is the Traditional Consulting Model Broken? What Changed from the 80s, 90s, 2000s?
◽️ Why Trust Is the Defining Issue of AI Adoption and Has Consulting Lost It?
◽️ Reinvention vs Redefinition: What AI Truly Means for Professional Services Today
◽️ Eight C-Suite Commandments for AI-Powered Consulting
◽️ How AI Changes the Economics of Consulting including Margins, Fee Models, Staffing and Scope
◽️ Rise of Senior-Led Boutiques: Myth or Material Shift?
◽️ Case Studies Where Boutiques Have Outperformed Big Four Incumbents
◽️ Should Global Banks, Energy Majors and Others Trust Boutiques with Critical Systems?
◽️ Agentic AI and Accountability: Who Owns the Chain of Risk?
◽️ Continuity and Scalability When the Delivery Model Relies on Senior Operators and the Pitfalls Involved
◽️ Looking Ahead 5–10 Years: What Does a Consulting Firm Become When AI Reasons, Designs and Decides for Clients?

So download⏳grab a cup of Bird & Blend Tea Co. - Mulled Cider Tea ☕️& have a listen🛋

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Episode Title: 🇨🇱As Intelligence Anchors into Infrastructure the Real Power of Cloud and AI Emerges🇨🇱

As we close this year’s BRICS & Geopolitics Series on Heads Talk®, I’m delighted to introduce a conversation with a guest who is right at the centre of one of the most urgent themes of recent months: keeping a true ‘Human in the Loop’ as technology accelerates around us.

It was an incredibly fluid and engaging exchange, and I encourage you to listen closely to the insights he shared.

Felipe Schwartzmann is the Senior Vice President for LATAM and the Caribbean at Genesys, where he has led the region to standout performance and earned recognition as the company’s Global Sales Leader of the Year.

With more than two decades of experience, Felipe brings a rare blend of commercial acuity, technological depth, and a real commitment to customer-centred innovation. Earlier in his career, he held senior commercial and sales leadership roles across the region, building sophisticated go-to-market models, launching cloud CX platforms, and steering large-scale enterprise transformations.

Topics Covered:
◽️ The evolution of cloud as the new intelligence layer of business
◽️ Agentic AI and the shift toward autonomous, context-aware decision systems
◽️ LATAM’s accelerated cloud and AI adoption and its distinct innovation patterns
◽️ Financial-sector cloud transformation and the new foundations of digital trust
◽️ Data localisation, AI governance and the geopolitics of distributed cloud
◽️ BRICS-aligned cloud and AI ecosystems and the race for technological independence
◽️ AI as the new electricity: everywhere and nowhere at the same time
◽️ Trust, explainability and human oversight as core pillars of enterprise AI
◽️ The future of cloud and AI in 2035 and the co-evolution of humans and digital agents

So download⏳grab a cup of Bird & Blend Tea Co. - Peppy Mint Tea ☕️& have a listen🛋

Episode Sponsored by
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Episode Title: 🇧🇷Business Diplomacy and the Trade Diplomat Mindset🇮🇳🇮🇩

Another engaging episode in the BRICS & Geopolitics Series on Heads Talk®. This week, we take a look into the Brazil/India/Indonesia axis, exploring how trade corridors across the Global South are accelerating, recalibrating influence and quietly reshaping the global economic order. 

It is a conversation about shifting sands, strategic alignments & the emerging power of South-South cooperation.

We look at the evolving architecture of BRICS, the role of the new entrants and how business diplomacy is becoming a central instrument of economic statecraft. We also touch on digital payment systems such as Brazil’s PIX and India’s UPI, and what these innovations signal about where financial leadership may be heading.

Christiano Branco joins me for this discussion. He is a senior international trade and investment specialist, currently serving as Commercial Director at both the Indo-Brazilian Chamber of Commerce and the Indonesia-Brazil Chamber. His work spans key sectors and major markets, helping businesses navigate market entry, investment flows and bilateral partnerships. He has previously served at the Consulate General of India in São Paulo and is the founder of ENKEI Consultancy, advising organisations on Brazilian market strategy. Christiano’s experience extends across major multilateral forums including BRICS, the G20 and the Global Agribusiness Forum.

Topics Covered:
◽️ Brazil’s evolving role in the new Global South growth corridor
◽️ Business diplomacy as a catalyst for trust, trade, and strategic influence
◽️ The rising importance of the Brazil-India economic axis
◽️ Innovation-led South–South trade in fintech, agri-tech, and digital services
◽️ The future of BRICS trade architecture and financial independence
◽️ Southeast Asia’s growing influence in Latin America - Asia cooperation
◽️ Supply-chain resilience and risk management across emerging markets
◽️ Sustainability as an economic differentiator for the Global South
◽️ The trajectory and challenges of next-generation Global South alliances

So download⏳grab a cup of Bird & Blend Tea Co. - Peppy Mint Tea ☕️& have a listen🛋

Episode Sponsored by
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Episode Title:🇨🇭New Capital Frontier & The Forces Reshaping Regional Finance🇨🇭 

Brought to you live from Money20/20 Riyadh, this  Heads Talk® episode features Guest Host Sanjiv Purushotham, CEO of Bridge Solutions, in conversation with Stela Willemstein, Group Risk Control at UBS.

They sit down for a dynamic discussion on the Middle East’s rapidly evolving financial landscape, moving from participant to global powerhouse. And explore Saudi Arabia’s transformation in technology, culture, and industry, the rise of next-generation fintech, and reforms reshaping banking, compliance, and risk. From combating illicit money flows to opportunities in open banking, AI-driven personalisation, and RegTech, this conversation highlights a financial ecosystem in motion and increasingly central to the world’s capital future.

Stela brings deep expertise in digital initiatives, credit-risk policy, and global wealth-management governance, with senior roles at UBS, Credit Suisse, and over a decade at ING across Europe and the US. She blends technical rigor with behavioural insight and a focus on positive impact, representing a new generation of risk leaders who combine innovation, integrity, and cross-border experience.

Topics Covered:
◽️Middle East’s rise as a global financial hub and impact on capital flows
◽️Saudi Arabia’s transformation in tech, fintech, and financial infrastructure
◽️Strengthening AML frameworks and managing illicit money movement
◽️Closing Infrastructure Gaps to Scale Open Banking and Interoperable Financial Services
◽️Wealth management evolution for Millennial and Gen Z investors
◽️Regional Fintech Innovation, Expansion & Cross-Border Opportunities With Africa
◽️AI-driven personalisation and human-in-the-loop decision models
◽️RegTech, cybersecurity, and digital risk management priorities
◽️Key insights from Money 2020 Riyadh and regional fintech strategy

So download⏳grab a cup of Bird & Blend Tea Co. - Mocha Chai Tea ☕️& have a listen🛋

Episode Sponsored by
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Episode Title: 🇺🇸Symbiotic Intelligence🇺🇸

We have a timely and thought-provoking discussion for you today on Heads Talk®. There’s been a lot of noise lately, headlines, commentary and opinion pieces; all circling the question: 𝔸𝕣𝕖 𝕨𝕖 𝕙𝕖𝕒𝕕𝕚𝕟𝕘 𝕥𝕠𝕨𝕒𝕣𝕕𝕤 𝕒𝕟 𝔸𝕀 𝕓𝕦𝕓𝕓𝕝𝕖 𝕓𝕦𝕣𝕤𝕥? Everyone seems to have a view, so I wanted to bring in someone with gravitas who truly sits at the intersection of experience and innovation. someone who has seen the cycles, the hype, and the real potential of this technology.

My guest today is Stan Sthanunathan, a seasoned insights and marketing leader with a truly global perspective, known for redefining how some of the world’s most recognised brands understand consumers. With a career spanning The Coca-Cola Company and Unilever, where he served as Executive Vice President of Consumer & Market Insights until 2021 , Stan came out of retirement to found i-Genie.AI, an enterprise bringing real-time, AI-powered insights to business leaders worldwide.

In this episode, we looked at the current state of AI: is it reaching a saturation point, or are we only scratching the surface and at the beginning? Is this “bubble” narrative overblown, or are we edging toward a market correction? And, of course, I couldn’t resist throwing in a few philosophical questions about humanity’s relationship with AI, our level of control, and the broader meaning of innovation itself. I loved this exchange; it was sharp, grounded, and occasionally existential. Pretty much how we like it here on Heads Talk®.

Expect a dynamic conversation that bridges business, technology, and the human condition. 

Topics Covered:

◽️ AI hallucination and the fight for data truth
◽️ The human in the loop and the ethics of agentic intelligence
◽️ Turning AI insights into business action at speed and scale
◽️ Storytelling, intuition and the enduring human edge in a data-saturated world
◽️ Whispers of an AI bubble and the geopolitics of the US–China AI race
◽️ Designing AI that teaches humans to think better, not less
◽️ Balancing algorithmic efficiency with democratic deliberation
◽️ The next decade of human–machine collaboration and causal AI 
◽️ The New Chief Meaning Officer

So download⏳grab a cup of Bird & Blend Tea Co. - Peppy Mint Tea ☕️& have a listen🛋

Episode Brought to you by
◽️i-Genie.AI - 𝔸𝕦𝕘𝕞𝕖𝕟𝕥𝕖𝕕 𝕀𝕟𝕥𝕖𝕝𝕝𝕚𝕘𝕖𝕟𝕔𝕖 𝕎𝕚𝕥𝕙𝕠𝕦𝕥 𝕊𝕦𝕣𝕧𝕖𝕪𝕤 𝕠𝕣 𝔽𝕠𝕔𝕦𝕤 𝔾𝕣𝕠𝕦𝕡𝕤

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Episode Title: 🇧🇷The Pix Paradox: Small Transactions, Global Ripples🇧🇷

This episode is a crossover, a hybrid, a merger of the two concurrent series running on Heads Talk®: the BRICS & Geopolitics Series and the Money 2020 Riyadh Conversations. Consider it killing two birds with one stone, bringing together insights from global geopolitics and the forefront of fintech innovation. I had the privilege of hosting this installment as my personal contribution to the Money 2020 Riyadh series, capturing perspectives from a pivotal moment on the global stage, with Brazil very much on the map today where we unpack the 'Pix Paradox'.

A truly fascinating discussion. We looked at the quiet revolution of Pix, Brazil’s digital payments innovation, which is transforming the country’s spending culture while sending ripples across the globe. 

What began as small, everyday transactions has grown into a force reshaping money and commerce, connecting local merchants to international markets, and redefining financial inclusion across LATAM and beyond. From Pix Roaming to recurring payments, we trace how Brazil’s ingenuity is influencing global payment infrastructures, showing that digital finance is not just a tool for transactions, it's so much more than money. They are instruments, if you like, of connection, opportunity, and soft power. Though my guest would argue that it's less about politics and more about business. Listen for that bit of the conversation/argument! 

I was completely captivated by the story of Brazil’s digital payments revolution and taken aback but the insights delivered by today's guest. 

Ralf Germer, the CEO of PagBrasil, Brazil’s leading payments technology company, joins me in this fascinating series. With a career spanning international business development, product marketing, and entrepreneurship, Ralf has been at the forefront of reshaping Brazil’s payments landscape. 

Under his leadership, PagBrasil has pioneered innovations like PagStream, International Pix, and Pix Roaming. Tools that are connecting local merchants to global markets and advancing financial inclusion.

Topics Covered:
◽️ Brazil’s digital payments revolution and the rise of Pix
◽️ PagBrasil’s role in connecting local merchants to global markets
◽️ Cross-border innovation and the expansion of Pix Roaming
◽️ Economic and social impact of Pix Automático on recurring payments
◽️ BRICS Pay and Brazil’s influence in shaping new payment infrastructures
◽️ Geopolitics of payments and financial diplomacy in emerging markets
◽️ Balancing sovereignty and openness in national payment systems
◽️ Future of digital payments, from embedded finance to programmable money
◽️ Payments as soft power in the global digital economy

Episode Sponsored by
◽️Accxia - 𝔼𝕦𝕣𝕠𝕡𝕖'𝕤 𝕃𝕒𝕣𝕘𝕖𝕤𝕥 ℙ𝕣𝕚𝕧𝕒𝕥𝕖 ℂ𝕝𝕠𝕦𝕕 𝕗𝕠𝕣 𝔸𝕥𝕝𝕒𝕤𝕤𝕚𝕒𝕟

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Episode Title:🇦🇪The Bridges We Build, The Capital We Connect🇦🇪 

This is the second episode in the special Heads Talk® series, brought to you live from Money20/20 Riyadh. It’s another engaging conversation that feels more like two industry peers catching up over a cup of tea, part strategic dialogue, part fireside reflection. Where innovation meets insight 

Sanjiv Purushotham, CEO of Bridge Solutions and our  Heads Talk® Guest Host for this series, sits down with Ronit Ghose, Global Head of the Future of Finance at Citi, where he leads the bank’s think tank on the intersection of money, technology, and digital transformation.

With over two decades at Citi, Ronit has been at the forefront of analysing fintech disruption, digital assets, AI-driven finance, and the evolving identity of global financial hubs.

Together, they discuss the new bridges being built across the financial world, the connections being made and solidified between East and West, legacy and innovation, technology and trust.

Topics Covered:
◽️ Evolution of Fintech and the Global Flow of Capital
◽️ Financial Bridges Between Emerging and Established Markets
◽️ Riyadh’s Role in the Next Generation of Global Financial Hubs
◽️ Digital Banking and the Architecture of Connectivity
◽️ Lessons from The Godfather - Kenya’s Mobile Payments Revolution
◽️ The Interplay Between Innovation, Regulation and Market Trust
◽️ Building Financial Bridges Across the Global South
◽️ Future Money: Insights from Ronit’s Book on Fintech, AI and Web3
◽️ Economics of Great Cities and How They Shape Finance
◽️ Meaningful Finance: Reimagining Value Beyond Transactions

So download⏳grab a cup of Bird & Blend Tea Co. - Mocha Chai Tea ☕️& have a listen🛋

Episode Sponsored by
◽️Accxia - 𝔼𝕦𝕣𝕠𝕡𝕖'𝕤 𝕃𝕒𝕣𝕘𝕖𝕤𝕥 ℙ𝕣𝕚𝕧𝕒𝕥𝕖 ℂ𝕝𝕠𝕦𝕕 𝕗𝕠𝕣 𝔸𝕥𝕝𝕒𝕤𝕤𝕚𝕒𝕟

Ronit's Book here

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Episode Title: 🇳🇴Green Realpolitik in a Fatherless World🇳🇴

We continue the BRICS & Geopolitics Series on Heads Talk® with a former Norwegian Government Minister, now a renowned political commentator, green advocate, veteran Chief Negotiator and Diplomat to explore the world’s shifting balance of power.

My guest, Erik Solheim, is a statesman who has shaped landmark environmental laws, led peace talks across continents, and driven global reform from Oslo to Nairobi. 

He served as the sixth Executive Director of the UN Environment Programme and Under-Secretary-General of the United Nations, leaving a lasting imprint on international environmental policy. Today, as President of the Belt & Road Green Development Initiative, he sits at the nexus of diplomacy, sustainability, and geopolitics. Together, we discuss the evolving relationship between the US and BRICS nations, with focus on China and India , including what can only be termed as a “marriage of convenience” between the two, and where that partnership may lead. 

We also discussed how environmental diplomacy is becoming the new language of power, how everything is diplomacy, and what a “fatherless world” really means for the global order.

Such a fascinating hour with my guest. Recorded just after that infamous Global South summit and the European leaders’ meeting with the US President. 

We’ve already agreed there’s much more to come, so look out for another conversation with Erik soon...

Topics Covered:

◽️ Green Diplomacy and the rise of sustainable Statecraft
◽️ BRICS as a platform for moral authority and Multipolar Cooperation
◽️ India and China as partners in a redefined world order
◽️ Thoughts on Waning US Hegemony and the fall of the Western Golden Age
◽️ Europe’s exposure as a mirror to global Realignment
◽️ India’s ascent toward true independence and Diplomatic Balance
◽️ Lessons from Peace-Building and Environmental Negotiation
◽️ The new power dynamics of Climate Finance and Green Investment
◽️ Tech Power, Diplomacy, and the unsettling influence of the “Tech Bro” elite

So download⏳grab a cup of Bird & Blend Tea Co. - Peppy Mint Tea ☕️& have a listen🛋

Episode Sponsored by
◽️Accxia - 𝔼𝕦𝕣𝕠𝕡𝕖'𝕤 𝕃𝕒𝕣𝕘𝕖𝕤𝕥 ℙ𝕣𝕚𝕧𝕒𝕥𝕖 ℂ𝕝𝕠𝕦𝕕 𝕗𝕠𝕣 𝔸𝕥𝕝𝕒𝕤𝕤𝕚𝕒𝕟

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Episode Title:🇰🇪Money Has Moved In Africa🇰🇪

We’re kicking off this special Heads Talk series with a long-awaited conversation between two remarkable leaders. Sitoyo Lopokoiyit, CEO transforming payments in Kenya and across Africa, and Sanjiv Purushotham, CEO of Bridge Solutions and our 'Heads Talk Guest' Host for this series.

What makes this episode truly special is the friendship between Sitoyo and Sanjiv. Their easy rapport and mutual respect bring depth, warmth, and authenticity to the discussion; the kind of chemistry you only get when great friends talk about something they both love: fintech innovation.

This episode marks the first in a series of conversations hosted by Sanjiv from Money20/20 Riyadh, featuring insightful exchanges with some of the industry’s leading voices.

Sitoyo Lopokoiyit is the CEO of M-PESA Africa and Chief Financial Services Officer at Safaricom PLC. A recognised leader in fintech and digital transformation, he oversees M-PESA’s expansion across multiple African markets, driving innovation, strategic partnerships, and financial inclusion for over 60 million customers.

Prior to this role, Sitoyo led M-PESA’s growth at Vodacom Tanzania, transforming it into one of the continent’s most successful mobile money businesses. He has also held senior leadership roles at Safaricom, Chevron, Total Kenya, and Uchumi Supermarkets. Under his leadership, M-PESA has introduced groundbreaking services such as Fuliza and M-Shwari, cementing its position as Africa’s leading digital payments platform and a global benchmark for mobile financial innovation.

On a personal note, I have been trying forever to get Sitoyo on Heads Talk, so I'm extra happy to have this episode brought to you by Sanjiv!

Topics Covered:
◽️ Africa is The Future of Payments
◽️ M-PESA: From Beginnings to Market Leadership
◽️ Sitoyo’s Leadership Ethos and Operational Vision
◽️ Stablecoins, Crypto, and the Financial Habits of Gen Z
◽️ GCC Viewpoint
◽️ Cross-Border Interoperability and Regional Payment Rails
◽️ Watch This Space

So download⏳grab a cup of Bird & Blend Tea Co. - Mocha Chai Tea ☕️& have a listen🛋

Episode Sponsored by
◽️Accxia - 𝔼𝕦𝕣𝕠𝕡𝕖'𝕤 𝕃𝕒𝕣𝕘𝕖𝕤𝕥 ℙ𝕣𝕚𝕧𝕒𝕥𝕖 ℂ𝕝𝕠𝕦𝕕 𝕗𝕠𝕣 𝔸𝕥𝕝𝕒𝕤𝕤𝕚𝕒𝕟

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Episode Title: 🇺🇸Reshuffle: Navigating Shifting Goalposts in a Restacked World🇺🇸

This is the continuation of my conversation with Sangeet Paul Choudary, author of Reshuffle: Who Wins When AI Restacks the Knowledge Economy, on Heads Talk®. If you missed Part 1, you’ll find the link below.

In Part 2, we address some of the philosophical dimensions of this change and look at how societies, people, and ways of thinking may evolve. Not all of it points toward the betterment of humankind. Yet, is this change irreversible? We discuss.

Links to Sangeet’s book are below. This is a Reshuffle week on Heads Talk®. And if you’d like even more reflection, listen to Paolo’s The Bankers' Bookshelf podcast by Provoke.fm Media, where Sangeet expands on AI’s societal impact and use cases.

Topics Covered:
◽️ Irreversible Cognitive Shifts: How AI may Reshape Human Learning and Collective Intelligence
◽️ Systemic Risks in an Economy held together by AI Coordination
◽️ Human Work Reframed: from Execution to curation, motivation, and inspiration
◽️ Mapping Scarcity, Risk, and Coordination: A Leader’s Framework for AI-driven Value Creation
◽️ Human Purpose and Identity in a Reshuffled World

So download⏳grab a cup of Bird & Blend Tea Co. - Peppy Mint Tea ☕️& have a listen🛋

Episode Sponsored by
◽️Accxia - 𝔼𝕦𝕣𝕠𝕡𝕖'𝕤 𝕃𝕒𝕣𝕘𝕖𝕤𝕥 ℙ𝕣𝕚𝕧𝕒𝕥𝕖 ℂ𝕝𝕠𝕦𝕕 𝕗𝕠𝕣 𝔸𝕥𝕝𝕒𝕤𝕤𝕚𝕒𝕟

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