The MoneyPot

The MoneyPot heads to Riyadh for Money20/20 Middle East, where host Scarlett Sieber, Money20/20's Global Chief Strategy and Growth Officer, sits down with Oliver Hughes, Head of International at TBC Bank Group.

Oliver's career reads like a tour through some of the world's most dynamic and often overlooked markets, from a decade at Visa to fifteen years building Tinkoff from the ground up as the original fintech, and now to TBC, where he is spearheading the bank's bold expansion into new geographies. In this conversation, Oliver unpacks the leadership lessons that shaped him, the power of extreme customer centricity paired with deep analytics, and why having mathematicians on a finance team is non negotiable for building a true data driven organization.

The discussion dives into TBC's entry into Uzbekistan, a greenfield banking build with its own tech stack and license, and the strategic logic behind TBC's majority stake acquisition in OLX Uzbekistan, a move that signals how digital banks are expanding beyond core financial services into adjacent ecosystems. Oliver also shares how TBC is deploying AI, including its own speech tech stack and conversational assistant Lola, across efficiency, revenue generation, and customer experience use cases, and offers a grounded, hype free take on where financial services are really heading over the next few years.

Note: This episode was filmed on September 16. Please note that some of the figures and metrics Oliver references reflect the prior reporting period and may be slightly out of date, as TBC has since reported its third quarter results.

TBC Bank Group: https://tbcbankgroup.com/

Follow Oliver: https://www.linkedin.com/in/oliver-hughes-0b5540247/

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In this episode of The Money Pot Podcast, recorded live at Money20/20 USA in Las Vegas, host Dhanum Nursigadoo, Content Manager at Money20/20 Europe, sits down with David Porter, Managing Director at Genesys, and Tushar Sathaye, Chief Sales Officer of Banking and Capital Markets Americas at Capgemini, to explore the future of customer experience (CX) in financial services as artificial intelligence continues to scale.

The conversation traces how CX is shifting from a cost center to a strategic revenue driver, with AI sitting at the center of that transformation. David breaks down the current state of AI maturity in financial services, from mature technologies like predictive routing, predictive engagement, and agent-assist co-pilots, to the earlier-stage rollout of voice agents and agentic virtual agents. He shares a striking trend: banks are now asking whether contact center staff can be retrained into salespeople, signaling a broader shift in how financial institutions think about their workforce.

Tushar unpacks what clients actually expect from AI-enabled financial firms, emphasizing that customer expectations have not changed even as the technology has. He highlights where banks and insurers are investing most: scaling agentic AI, modernizing core systems, and strengthening governance to build trust. The discussion also tackles the thorny issue of AI liability and transparency, the data quality challenges holding back AI adoption (the Ferrari and gasoline analogy), the long-standing problem of locked-up data, and how financial services leaders are learning to match the right AI model, frontier, mid-sized, or small, to the right use case rather than defaulting to the most powerful option. The episode closes with a call to rethink CX metrics beyond traditional measures like average handle time, toward cost per token and cost per AI task.

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In this episode of The Money Pot, host Oliver Smith sits down with Terry O'Neil, Chief Commercial Officer at Pagaya, live from Money20/20 USA in Las Vegas, to explore how AI-led lending is transforming the relationship between banks, borrowers, and capital markets.

Terry, who spent over two decades at Citi before joining Pagaya, shares what drew him to the company and explains how Pagaya's network allows banks to approve more customers responsibly without taking on additional balance sheet risk. The conversation dives into why banks struggle to say yes to near prime and subprime borrowers, how Pagaya's API-based integration works invisibly behind the scenes so the customer experience remains entirely within the bank's own branding, and why that seamlessness matters so much, particularly in emotional moments like debt consolidation.

Terry also unpacks Pagaya's approach to risk, including how the company uses alternative data sources and insights drawn from four trillion dollars in lifetime application data to responsibly expand credit access while maintaining a highly selective approval rate. He explains the commercial model for banks, built around fee-based revenue and customer lifetime value rather than interest income alone, and discusses how Pagaya's network of more than 150 institutional investors provides the stability needed to navigate changing economic cycles.

The episode closes with Terry's practical advice for bank leaders: look at the balances your customers hold elsewhere, keep the user experience seamless, and never stop at the loan itself. Build a long-term cross-sell strategy because the customers you almost missed may turn out to be your most valuable.

Pagaya: https://pagaya.com/

Follow Terry: https://www.linkedin.com/in/terrenceoneil/

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Can blockchain fix the trust gap in emerging-market lending? In this episode of The Money Pot, host Oliver Smith sits down with Doug Ricket, Founder and CEO of PayJoy, to explore how the company is using smartphones as digital collateral to bring credit access to the global south. Doug explains how PayJoy turns a phone into a trust mechanism, locking it when payments are missed and unlocking a path to a first credit history and credit card for customers across Mexico, Brazil, India, South Africa, Indonesia, and beyond.

The conversation goes deep into PayJoy's half-billion-dollar PayJoy Asset Fund and the two blockchain innovations launching this month: an attestation protocol that hashes and publishes the company's loan tape to prevent double pledging, and a tokenization system that gives fund investors same-day liquidity instead of waiting a full quarter for redemptions. Doug also unpacks how currency risk is hedged, how PayJoy is expanding into new regulatory markets like India and Ecuador, and why stable coins in markets like Mexico remain surprisingly underdeveloped relative to the US. 

Doug closes with reflections on default risk, how PayJoy pools collateral rather than tokenizing individual loans, and the vision of connecting global wealth holders directly to the three and a half million borrowers who rely on PayJoy for affordable access to capital.

PayJoy: https://www.payjoy.com/

Follow Doug: https://www.linkedin.com/in/dougricket/

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Join us for an insightful conversation with Keith Grose, Regional Managing Director, UK & Europe at Coinbase (promoted from Senior Country Director UK in July 2026), recorded live at Money20/20 Europe in Amsterdam. In this episode of The MoneyPot, Keith sits down with host Dhanum Nursigadoo to explore the rapidly evolving landscape where traditional finance and decentralized finance converge.

Keith shares his perspective on how regulation is becoming the bridge that connects TradFi and DeFi, discussing the transformative impact of frameworks like the UK's upcoming crypto regulations, MiCA in Europe, and the Genius Act. He reveals why the next two years will be among the most exciting in crypto history, as stablecoins gain mainstream adoption and blockchain infrastructure becomes embedded in everyday financial services.

The conversation delves into the future of money movement, exploring how stablecoins are revolutionizing cross-border payments, why agentic AI and programmable money are unlocking new possibilities for microtransactions, and how tokenization of real-world assets will democratize access to global markets. Keith also discusses Coinbase's strategy of offering both crypto-native and traditional financial services, from FSCS-protected savings accounts to crypto lending, all within a single platform.

Whether you're a crypto enthusiast, a traditional finance professional, or simply curious about the future of money, this episode offers valuable insights into how blockchain technology is reshaping financial services—often in ways users won't even notice.

Key Topics Covered:

• The closing gap between traditional finance and DeFi through regulation
• Stablecoins as the infrastructure for cross-border payments and agentic commerce
• How AI agents are driving demand for programmable money and microtransactions
• The convergence of embedded finance across crypto and traditional platforms
• Tokenization of real-world assets and its impact on market accessibility
• Building trust through regulatory compliance and customer experience

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Join us for The MoneyPot Live from Money20/20 Europe, where three Chief Revenue Officers discuss the evolving role of revenue leadership in fintech.

Money20/20 host Stephen Slattery speaks with Phoebe Wallis (Griffin Bank) and Meryem Habibi (Bitpace) about what it means to be a CRO today.

Key Topics:

The Modern CRO Role

• Why CROs are "growth architects" coordinating across all business functions
• How the role extends beyond sales to customer success and strategic alignment

Navigating Challenges

• Balancing revenue growth with profitability
• Adapting to evolving regulations in crypto and embedded banking
• The critical need for strategic flexibility

Building Teams

• Essential traits: curiosity, resilience, and problem-solving ability
• Why understanding customer pain points trumps product expertise

AI in Sales

• How AI empowers teams without replacing human connection
• Practical tools for prospecting, coaching, and risk management

Advice for Leaders

• Why CROs must be involved in strategy, not just execution
• The importance of trust between founders and revenue leaders

Essential listening for founders, revenue leaders, and anyone interested in fintech sales transformation.

Griffin Bank: https://griffin.com/

Follow Phoebe: https://www.linkedin.com/in/phoebe-wallis-6758a0a4/

Bitpace: https://www.bitpace.com/

Follow Meryem: https://www.linkedin.com/in/meryem-habibi/

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Join us for an insightful conversation with Mark Brant, Chief Payments Officer at NatWest, as we explore the rapidly evolving payments landscape from Money20/20 Europe in Amsterdam. In this episode, Mark shares his expert perspective on the transformation reshaping how money moves around the world.

Key Discussion Points:

• The complexity of modern payments and why old methods aren't being retired
• Regional innovation: Asia's super apps, Latin America's stablecoins, Europe's fragmented rails
• Digital assets and tokenization in commercial and trade finance
• Open banking, smart data, and AI as the next frontier
• Customer-centric innovation focused on solving real problems
• Balancing rapid tech advancement with regulatory requirements

Mark emphasizes that while technology evolves rapidly, successful adoption requires collaboration across banks, central banks, and payment networks. He provides a realistic view of the five-year horizon, noting that distribution and customer habituation of new payment methods takes time, even as the underlying technology advances at pace.

NatWest: https://www.natwest.com/

Follow Mark: https://www.linkedin.com/in/markbrant/

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Join Luca Prosperi, Co-Founder and CEO of M0, for a deep dive into how stablecoins are revolutionizing finance. Recorded live from Money20/20 Europe, this episode explores why digital money is becoming the new backend of financial infrastructure.

Luca challenges the notion that stablecoins are just branded tokens, arguing they represent a fundamental redesign of the financial stack. Discover why major brands like MoneyGram are building their own digital money infrastructure instead of relying on white-label solutions.

Key Topics:

• How stablecoins evolved from crypto trading tools to comprehensive financial infrastructure in under five years
• Why businesses need control over their money stack
• The shift from bank deposit-centric to wallet-centric economies
• How regulatory clarity is accelerating mainstream adoption
• US Treasury predictions: dollar stablecoins surpassing $2 trillion by 2028

M0: https://www.m0.org/

Follow Luca: https://www.linkedin.com/in/lucaprosperi/

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Join us for the latest episode of Money Pot recorded live at Money20/20 EU in Amsterdam, where we explore Asia's fast-moving payments world with someone who really knows it.

Oliver Smith, Head of Content, sits down with James Lloyd, Senior Director, International from JUSPAY, who spent over a decade in Hong Kong working across Asian markets. James shares what's really happening with payments across the region—and why it's more complicated and interesting than you might think.

What We Talk About:

• Why each Asian market is different—China's super apps, India's UPI, Thailand's PromptPay
• Project Nexus and connecting instant payment systems across borders
• Could stablecoins solve cross-border payment problems?
• Why super apps like WeChat work in China but won't work in Europe
• The real challenges with moving money between countries
• What Europe can learn from Asia's payment success stories
• Why customer experience matters more than infrastructure

Guest: James Lloyd, Senior Director, International, JUSPAY
https://juspay.io/us

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As digital commerce becomes increasingly global and always-on, traditional payment infrastructure is struggling to keep pace. A new generation of programmable settlement networks is emerging to enable real-time value transfer across borders, assets, and platforms. 

In this episode, Richard Astle explores how modern payment networks are reshaping the movement of money by enabling faster settlement, reducing counterparty risk, and unlocking new financial experiences. From stablecoins to embedded wallets and programmable payment rails, we unpack why the next phase of global payments will be defined by interoperable networks rather than isolated financial systems.

Guest: Richard Astle, Vice President, Head of Network at Fireblocks

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