Today the focus is on alternative lending, one of the original fintech verticals. Surprisingly, in nearly 80 episodes, we've never gotten deep into alternative lending.

After holding off for so long, today we're hitting you with two interviews, one with Jens Woloszczak, the founder and CEO of Spotcap, and the second with Christoph Rieche, founder and CEO of iwoca.

Sam Maule is Managing Director, North America for 11:FS, a UK-based digital consulting firm. Prior to joining 11:FS, Same led Digital and Fintech for NTT Data, and before that, he worked on product at TSYS, a card processor. Sam is the host of the Connection Interrupted podcast, where he interviews guests about their experiences with technology. As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com. If you enjoy today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review. Thank you very for joining us today. Please welcome, Sam Maule.

Sam Maule is Managing Director, North America for 11:FS, a UK-based digital consulting firm. Prior to joining 11:FS, Same led Digital and Fintech for NTT Data, and before that, he worked on product at TSYS, a card processor.

Hiroki Takeuchi is the Founder and CEO of GoCardless, a London-based fintech that simplifies recurring payment collection for businesses. GoCardless has raised $47m to date and is backed by the likes of Balderton, Accel Partners, Passion Capital and Notion Capital. Hiroki and his co-founders, including Tom Blomfield, now of Monzo, who joined us on the podcast way back in episode 17, went through Y Combinator in early on and have some interesting stories about that experience. Today's conversation covers a number of topics, some of which are quite challenging. I'd highly encourage you to listen through to the end. Hiroki is an exceptional entrepreneur with a powerful story. Check out the show notes at www.bankingthefuture.com for links to the articles mentioned in today's conversation. If you enjoy today's episode, please subscribe on iTunes, or your podcast platform of choice. Thank you very much for joining us today. Please welcome Hiroki Takeuchi.

Hiroki Takeuchi is the Founder and CEO of GoCardless, a London-based fintech that simplifies recurring payment collection for businesses.

Today's conversation covers a number of topics, some of which are quite challenging. I'd highly encourage you to listen through to the end. Hiroki is an exceptional entrepreneur with a powerful story.

Today we're thrilled to be joined by Nigel Walsh, aka Mr. InsurTech. Nigel is a partner in Deloitte's Financial Services technology practice, where he focuses on insurtech. With a background in end to end technology transformation, Nigel works with insurers on the journey to becoming truly digital. Prior to joining Deloitte, Nigel led the UK Insurance business for Capgemini, where he advised UK and European Insurance companies on major systems replacements and technology transformation projects aimed at improving the customer and broker experience. Nigel hosts a podcast called Insurtech Insider, where he goes deep on Insurtech topics on a regular basis. If you find today's episode interesting, I'd highly encourage you to check it out. Thanks very much for joining us today, please welcome, Nigel Walsh.

Nigel is a partner in Deloitte’s Financial Services technology practice, where he focuses on insurtech. With a background in end to end technology transformation, Nigel works with insurers on the journey to becoming truly digital.

Russ Shaw is the Founder of Tech London Advocates (TLA), a private sector led group of leaders promoting London's technology sector and addressing the issues on the horizon. The group is a not-for-profit community of individuals with aspirations to build and promote London as a world leading digital and technology city. Russ has led a long and illustrious career in technology and telecom, including serving as the Chief Marketing Officer of O2, the Global Innovation Director for Telefonica and Managing Director, EMEA for Skype. In addition to his work at TLA, Russ is a non-executive director of three tech companies, two of which are publicly listed, and an angel investor. If you enjoy today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.

Russ Shaw is the Founder of Tech London Advocates (TLA), a private sector led group of leaders promoting London's technology sector and addressing the issues on the horizon. The group is a not-for-profit community of individuals with aspirations to build and promote London as a world leading digital and technology city.

Jon Stein is the CEO and founder of Betterment, one of the leading roboadvisors in the US. After amassing experience advising banks and brokers on risk and products, Jon founded Betterment in 2008 to make people's lives better. Jon is a graduate of Harvard University and Columbia Business School. He holds Series 7, 24, 63 licenses and is a CFA charterholder. Jon's interests lie at the intersection of behavior, psychology, and economics, all of which we get into in today's conversation. If you enjoy today's episode, we'd really appreciate it if you shared it with one other person who might like it. Fintech is relevant all over the world, and we'd love your help spreading the message. Thank you very much for listening today. Please welcome, Jon Stein.