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Alex Serdiuk is the co-founder and CEO of AI voice company Respeecher in Kiev. Alex and Rob Tercek discuss how synthetic voice generation will transform the motion picture industry, including some surprising reversals such as: how AI voices will change the global distribution strategy for feature films; how human actors can benefit from AI voice clones; why ethical approaches to AI yield optimal results; how the talent guilds have come to accept AI in film production; the business value of trust in times of rapid change; new legislation to prevent deep fakes.  

In this episode of Breaking Banks Africa, Matteo Rizzi sits down with Selma Ribica, founder of First Circle Capital, to explore Africa’s evolving fintech and venture capital landscape. Ribica reflects on her journey from M-Pesa to investing, highlighting how mobile money demonstrated the potential for technology to bring financial services to underserved populations. She explains why First Circle Capital focuses on early-stage fintech founders and how regulation, talent, capital and market maturity shape opportunities across Africa. The discussion also covers regional differences, developing entrepreneurial talent, helping startups scale, and the realities of building and fundraising for a first-time African venture capital fund.

As banking, wealth, and commerce converge, customers increasingly expect one view of their financial life — a view they often get from third-party apps rather than their bank. Are banks misdiagnosing what is holding them back?

In this episode Brett King connects with Rob Rooney, Co-Founder and CEO of Hyperlayer to discuss emerging infrastructure for next-generation AI-based financial technology. Some listeners will know Rob from his 30-plus years at Morgan Stanley. He ran Morgan Stanley International through Brexit, and later became Global Head of Technology, Operations and Firm Resilience.

Hyperlayer is addressing a challenge common to almost every bank: the desire to launch products as fast as the neobanks, but institutions are hesitant to touch the core. By placing a programmable layer on top of a bank’s existing core system, Hyperlayer enables institutions to build and launch new products in weeks, with governance built in from day one.

 Listen as Brett and Rob discuss:

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In this episode, Paolo Sironi welcomes Chris Skinner for an unconventional episode: not the presentation of a business manual, but a financial thriller. In Diary of a Ponzi Scheme — the first novel in Skinner’s Pulp Finction series — a broke operator launches a fund invested in stablecoins, crypto, and digital currencies, then pulls his wealthy circle into a scam that only works as long as new money keeps arriving. Skinner explains why he moved into fiction: to smuggle how finance works into a story, so readers learn tokenization, CBDCs, and crypto without being lectured. The conversation ranges across the wider series like fintech fundraising, a last branch in town, climate activism, and an AI attack that stops payments to return, again and again, to the same question: how do you scale trust?

Independent AI researcher Mark Pesce returns to the Futurists with an update on the latest advances in open source artificial intelligence. Mark talks to co-hosts Brett King and Rob Tercek about a wide range of topics: small open-source models that run on the desktop and the smartphone; AI agents that work the “night shift”; NVIDIA’s pivot to open source AI; the disruptive threat to the leading US AI labs; the rapid rise of AI-enabled intrusions and the threat to the smartphone; personal AI filtering and assistants; AI agents to manage the smart home; faceless appliances as a precursor to liquid interfaces and the end of apps; fostering cognitive dependency and offloading cognitive work to companion apps; pacing the frontier; super intelligence; geopolitical rivalry.

As a Peace Corps volunteer with an engineering degree from MIT, Doug Ricket, Founder and CEO, PayJoy, a leading financial services provider for underserved consumers across emerging markets, learned first-hand what it means to build trust in underserved communities. The experience in West Africa sparked a long-held interest that eventually put Doug’s engineering and tech background to work to make a true financial impact and build a mission-driven business for underserved consumers, 20 million of them to date across 9 countries (Mexico, Brazil, Indonesia, South Africa, Ecuador, Peru, Panama, Colombia, and the Philippines)

Listen as Doug shares his founder journey with Brett King and explains why he left a comfortable path in tech to help first-time borrowers build credit and access broader financial services and payments.

Smartphones have become essential economic infrastructure. A smartphone can be a customer’s first productive financial asset and first step into formal financial access, creating financial opportunity for consumers otherwise locked out of traditional credit and payments infrastructure.

40% of PayJoy’s customers are new to credit; 37% are first-time smartphone users. How does PayJoy build a credit profile for someone who’s never had access to credit before? What sets their approach apart from traditional lenders? Listen to find out.

In this episode, Paolo Sironi speaks with Ritavan, author of the new book The System Gambit—a rigorous guide to the one strategic move that most investors and operators never make. They say companies get disrupted because they miss the signals. This is technically true, but many are not missing the signals. They are reading them correctly and responding rationally, and the rational response is the trap. Every benchmark they hit is proof that they are excellent at a game whose rules have already changed. Nobody is going to tell them this. Their metrics cannot see it, and their board is scoring the old game. Finding it is your job, and it is worth doing properly. The move is a system crossing rather than a reallocation of resources, because the logic that wins in your current system is the same logic that blocks the position that compounds in the next one, and you cannot run both at once. This book conversation maps the eight system crossings, the sacrifice each one demands, and how to defend that sacrifice to people keeping score the old way.

In this week’s episode hosts Rob Tercek and Brett King do a deep dive into the rapidly aging energy grid in the US and how this may be the biggest flaw in the US’ desire to win the race to AGI and a future smart economy. China today produces daily more solar energy than all the power plants in the US combined, and this year alone China will deploy more solar than the US has built in the last 70 years. How can the US hope to power the data centers required for AI dominance with an administration opposed to renewables and, as yet, no new nuclear plants or transmission lines even approved for construction? With the NIMBY crowd protesting local data centers, is big tech headed for a showdown with conservative politics? 

In this episode, Paolo Sironi speaks with Driss Temsamani, author of the new book The Agentic Bank—a practitioner’s roadmap that shows how finance is shifting from platforms to intelligence. Temsamani, a three-decade banking leader and advisor to central banks and regulators, explains how AI-powered agents are bringing autonomy, reasoning, and collaboration into the heart of modern institutions, creating the AI-native financial institution where humans and intelligent agents work side by side. Through the living example of Lisa, a corporate treasurer, he shows how real-time cash-flow forecasting, liquidity optimization, risk management, and compliance adaptation become possible today. The conversation moves from visionary insight to practical execution, covering the agentic transformation of liquidity, payments, risk, and client engagement, as well as the fusion of AI with blockchain for tokenization and modern market infrastructure. Join this episode to gain the keys to building, deploying, and governing agentic systems so that the institutions that act now will not merely survive the AI era—they will define it.

In this episode, Paolo Sironi speaks with Driss Temsamani, author of the new book The Agentic Bank—a practitioner’s roadmap that shows how finance is shifting from platforms to intelligence. Temsamani, a three-decade banking leader and advisor to central banks and regulators, explains how AI-powered agents are bringing autonomy, reasoning, and collaboration into the heart of modern institutions, creating the AI-native financial institution where humans and intelligent agents work side by side. Through the living example of Lisa, a corporate treasurer, he shows how real-time cash-flow forecasting, liquidity optimization, risk management, and compliance adaptation become possible today. The conversation moves from visionary insight to practical execution, covering the agentic transformation of liquidity, payments, risk, and client engagement, as well as the fusion of AI with blockchain for tokenization and modern market infrastructure. Join this episode to gain the keys to building, deploying, and governing agentic systems so that the institutions that act now will not merely survive the AI era—they will define it.