This episode of The Change Dude features the co-founders of Fintalo, an AI-powered M&A collaboration platform that brings all deal stakeholders, data, and workflows into one secure digital workspace to streamline transactions from kickoff to closing. The conversation explores their personal journey into the startup world, why they chose to reinvent the traditionally manual and relationship-heavy M&A process, and how they balance human expertise with intelligent automation in high‑stakes deals. The founders also share what they are learning inside the ABN AMRO + Techstars Future of Finance Accelerator, offer an inside look at building a fintech in Europe, and discuss how digital tools are reshaping the role of advisors in the future of dealmaking.

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Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.

In this episode, Saeed Rafay explores how digital identity and next-generation money are converging to reshape the financial systems we rely on every day. From verifiable credentials and digital wallets to CBDCs and privacy-preserving payments, this deep dive breaks down the real technology, policy debates, and human implications behind the future of finance. Saeed unpacks what governments, banks, and tech giants are building, why identity is becoming the new foundation of trust, and what this transformation means for inclusion, privacy, and personal freedom. A must-listen for anyone curious about where money and power is heading next.

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Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.

In this episode of The Change Dude, we unpack the fast-growing world of embedded finance — the quiet revolution turning everyday apps into banking powerhouses. From ride-hailing to e-commerce to creator platforms, financial services are moving into the background while user experience takes center stage. We explore what embedded finance really is, how it works behind the scenes, why companies are racing to integrate it, and what this shift means for consumers, banks, regulators, and the future of money itself. This is your deep dive into the future of financial services — invisible, intelligent, and built into every digital experience.

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Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.

In this episode of The Change Dude, we sit down with Rasmus Risager Lindegaard, co-founder of Avido AI and Techstars 2025 alum. We discuss his journey from scaling AI in the Nordics to building Avido, a platform redefining quality assurance and compliance for AI in banking and fintech. Tune in for insights on startup life, collaborating across tech and compliance, real-world lessons from Techstars, and what the future holds for AI in regulated finance.

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Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.

In this episode, we break down the rise of edge computing and why the cloud alone can’t keep up with today’s real-time, data-intensive world. From solving latency and privacy challenges to powering autonomous vehicles, smart factories, and next-gen AI, you’ll learn how edge computing works, where it’s transforming industries, and what innovations are shaping its future. A clear, modern, and practical guide to one of the most important technologies of the decade.

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Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.

In episode #68 of The Change Dude Podcast, Saeed Rafay talks with front-end engineering lead Utku K. about what it truly means to pursue excellence in software engineering. They discuss the difference between being a developer and an engineer, the evolving role of AI as an amplifier of mindset, and emerging practices like context engineering and spec-driven development. Utku also shares insights on soft skills, communication, mentorship, and why companies must reinvest in junior talent to sustain innovation. The episode highlights that true engineering excellence is not about knowing everything—it’s about staying curious, courageous, and committed to solving real problems.

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Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.

In this thought-provoking episode of The Change Dude, Saeed Rafay explores how the rise of AI is quietly reshaping human behavior — making us more passive, less creative, and increasingly dependent on machines to think for us. He unpacks the psychological and professional risks of outsourcing our curiosity and originality to large language models, and then offers practical, strategic, and technical solutions — from RAG and fine-tuning to mindful prompt design — to help us build AI systems that engage the human mind rather than replace it. This episode challenges listeners to reclaim agency, creativity, and intentionality in the age of automation.

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Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.

In this episode of The Change Dude podcast, Saeed Rafay explores how the digital world is reinventing itself to meet the planet’s sustainability goals. From carbon-aware computing and green software engineering to Europe’s push for climate-neutral data centres and energy-efficient AI, this episode dives into the technologies, policies, and mindsets shaping a sustainable digital future. Drawing on the latest 2025 research, he unpacks how cloud giants, policymakers, and innovators are racing to decarbonise the digital economy—and what it means for the rest of us who build, use, and rely on technology every day.

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Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.

In this episode of The Change Dude podcast, Saeed Rafay explores how artificial intelligence is transforming finance from automation to full autonomy. He unpacks how AI agents are already managing investments, approving loans, and mitigating risk across Europe — and what this means for the future of banking, regulation, and trust. As 2026 approaches, Saeed examines how leaders can balance innovation with oversight in a world where money no longer just follows commands, but begins to think for itself.

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Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.

AI is no longer a playground for big tech. Across the UK and Europe, small and mid-sized businesses are quietly transforming customer service, sales, operations, and manufacturing with practical, ROI-driven AI. In this episode, Saeed Rafay unpacks real case studies—from a UK retailer cutting refund delays by 70% to a Dutch EdTech platform slashing response times by 84%—and explores how SME leaders are turning everyday data into measurable impact. Learn what separates AI success from stalled pilots, why strategy matters more than hype, and how your business can start seeing results in just 90 days.

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Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.