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How can Fintech contribute to building a better world? In Season 4 of Fintech Files, we’re turning our focus to where financial technology meets social impact. This season, we explore financial inclusion, sustainable investing, and decarbonization with some of the brightest minds in the industry. As financial services touch every aspect of our lives, the opportunity to drive positive change is enormous. About Fintech Files: Join us on Fintech Files from BCG Platinion as we explore the cuttin ...
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The BCG Platinion on Digital Podcast brings you expert discussions on how winning organisations are harnessing new technologies and digital ways of working. Every episode features a topic at the core of BCG Platinion; adoption of emerging technologies, digital design, IT engineering and architecture, Agile and cybersecurity. Subscribe now for the latest perspectives from knowledge leaders in technology and digital transformation.
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Holiday Throwback: Eve Morelli Shares Radicant’s Unique Approach to Transparent Digital Banking and Investing
31:59
Happy Holidays Fintech Files listeners! As a special holiday treat, we’re revisiting one of our favorite episodes from Season 3 with Radicant’s Eve Morelli. Eve Morelli, Head of Sustainable Transparency unveils Radicant's unique approach to sustainable finance. Discover how this Swiss digital banking startup integrates the UN Sustainable Developmen…
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How can the financial sector lead the way in global decarbonization efforts? In this episode, we sit down with Mustafa Bosca, Co-Founder and Chief Decarbonization Officer at CarbonSifr, to explore the pivotal role financial services play in combating climate change. We delve into how Mustafa helps banks and organizations measure, reduce, and remove…
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Making Mortgages Accessible: Housing Affordability and the EU Green Deal with Geert Van Kerckhoven from Oper
26:57
How can technology make homeownership more accessible while supporting Europe's climate goals? In this episode, we sit down with Geert Van Kerckhoven, co-founder of Oper, to explore the challenges of housing affordability in Europe and the impact of the EU Green Deal on mortgages. Geert discusses how technology can empower banks and loan advisors t…
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How can we create credit histories for unbanked people? In this episode, we sit down with Rajat Dayal, CEO and Founder of YabX, to explore how his company is revolutionizing credit access in emerging markets. About 1.5 billion individuals and businesses have no access to credit or any other financial product. Rajat shares insights on leveraging alt…
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How can financial institutions drive sustainability and responsible AI practices? In this episode, we sit down with Anne Kleppe, a leading expert in sustainability and responsible AI at BCG. Anne shares her insights on how banks and financial institutions can leverage their influence to promote sustainable practices, reduce their carbon footprints,…
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What trends do we see in wealth management as the GenAI Era Unfolds? Akin Soysal is a global expert on digital investing and part of our BCG X leadership team in Europe, the Middle East and South America. Akin dives into the biggest topics disrupting financial management across the globe. How does Gen Z leverage retail investing for saving for reti…
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How can Fintech contribute to building a better world? In Season 4 of Fintech Files, we’re turning our focus to where financial technology meets social impact. This season, we explore financial inclusion, sustainable investing, and decarbonization with some of the brightest minds in the industry. As financial services touch every aspect of our live…
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We know that you’ve just been dying for more episodes of Fintech Files since we wrapped up season three, so we’ve decided to throw one final one in for you. This week we’re bringing you one of BCG’s other shows that covers Fintech as it relates to compliance and risk. BCG on Compliance is hosted by Hanjo Seibert, a leading expert in compliance, ant…
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Join hosts Nora, Annika, and Bianca as they wrap up the season with a special compilation episode of FinTech Files from BCG Platinion. This episode revisits the season's standout moments, featuring a diverse lineup of guests from around the globe. From the transformative power of generative AI to the challenges and opportunities of cloud transforma…
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Highlighting Saving and Financial Literacy with Reem Ikram, CEO and Co-Founder of Thriftplan
30:30
How financially prepared are you for retirement? It’s a question that too many people don’t think about until it’s too late. Reem Ikram, CEO and Co-Founder of Thriftplan is on a mission to change that. In this episode we’ll explore how Thriftplan is revolutionizing savings for both employees and employers, promoting long-term financial stability. W…
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From the Step Conference in Dubai, February 2024, comes an insightful discussion on the transformative impact of neobanks on small and medium-sized enterprises (SMEs). Moderated by Annika Melchert, the episode features Meenah Tariq of Metric and Dyota Marsudi of Bank Aladin, who share their pioneering work in making financial management and banking…
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Breaking Barriers: Women in FinTech with Jacqueline O'Flanagan, Canadian Financial Services Industry Lead at Microsoft
30:32
Join us as we delve into the vibrant intersection of technology, finance, and diversity with Jacqueline O'Flanagan, the guiding force of Microsoft's financial services strategy in Canada. In this enlightening conversation, Jacqueline discusses the efforts to enhance women's roles in finance, the transformative power of AI in the sector, and Microso…
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This week on Fintech Files, we're bringing you 'In Her Element' from BCG. A show featuring conversations with women at the vanguard of business, digital, and technology. We're delving into how these powerhouse leaders got to where they are—covering everything from the joy of projects gone right to the realities of family responsibilities. In this e…
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How do we elevate our perspective of the cloud from merely a technological tool boosting efficiency, to a strategic ally that addresses key business challenges? Maxim Afanasyev, Financial Services Industry Lead at Google Cloud, shares his insights on the transformative approach of 'cloud for value' within the financial sector. This approach require…
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Interoperability in Africa's Financial Landscape with Alfred Mukudu, Financial Services Go-To-Market Lead at Amazon Web Services (AWS)
31:43
We dive into the complexities and opportunities within Africa's financial services sector with Alfred Mukudu, Financial Services Go-To-Market Lead at Amazon Web Services (AWS) South Africa. With over 50 countries and about 42 different currencies, Africa presents a unique landscape for financial innovation. Alfred shares insights into the critical …
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Navigating Compliance and Risk: The Crucial Role of Data with Camila Vicenci Witt, Chief Risk and Compliance Officer at InPay
33:10
How do companies combat financial crime and adhere to the strict regulations of our industry? Camila Vincenci Witt has unique insight as the Chief Risk and Compliance Officer at Inpay, a fintech specializing in facilitating cross-border payments. Camila shares the importance of data and data governance in compliance and risk, as well as highlightin…
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Season One Throwback with Solaris: “How the Latest German Fintech Unicorn Plans to Stay Ahead of Competition” with Dr. Jörg Howein, Former Chief Product Officer
30:01
In this special throwback episode, we revisit one of our favorite moments from Season One with a fintech titan, Dr. Jörg Howein, formerly the Chief Product Officer at Solarisbank. Since we last spoke with Jörg, Solarisbank, now known simply as Solaris, has continued its meteoric rise in the fintech world. In this engaging conversation, Jörg shares …
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Empowering Finance through Financial Inclusion with Vera Futorjanski, Founder and CEO of Beyond Global and Veritas Ventures
33:00
How many globally lack access to banking? Astonishingly, one in three. In this insightful conversation, Vera Futorjanski, former Head of Communications at Rocket Internet and founding member of Dubai Future Accelerators, shares her journey. Emphasizing the transformative role of technology, she explores challenges and strategies to enhance accessib…
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Happy New Year from your friends at Fintech Files! To kick off 2024 in style, we’re bringing you a throwback to our very first episode of 2023; “Revolutionizing the Future of Finance in the Middle East through Open Banking” with Emir Isik, Head of Business Development from Tarabut Gateway. We felt this was the perfect episode to kick off the new ye…
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As a special holiday treat for you, our listeners, we’re revisiting one of our favourite season 2 episodes. It’s “The Art of Navigating a Company Through Rapid Growth and Post-Merger Integration” – with Michael Stephan, COO and Co-founder of Raisin.” They are the first and only pan-European deposit marketplace. Since our 2022 episode, this Berlin-b…
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Gen AI for Financial Institutions: Navigating Regulation, Risk & Opportunities with Kirsten Rulf, Partner and Associate Director at BCG
31:47
How should banks navigate Gen AI's regulatory challenges? Kirsten Rulf, BCG Partner and Associate Director, shares key strategies and opportunities. As the former Senior Digital Policy advisor aka “nerd-in-chief” to Chancellor Angela Merkel, Kirsten played a key role in negotiating the EU AI Act. Now, Kirsten guides global Fintech clients in adopti…
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Sustainable Fintech: Eve Morelli shares Radicant’s Unique Approach to Transparent Digital Banking and Investing
29:45
What is the role of technology in aligning banking and investments with sustainability? Eve Morelli, Head of Sustainable Transparency unveils Radicant’s unique approach to sustainable finance. Discover how this Swiss digital banking startup integrates the UN Sustainable Development Goals (SDGs) into its framework, ensuring users can see where their…
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Welcome back to Fintech Files from BCG Platinion! In this special episode, "Meet the Hosts," we'll bring you up to speed on our latest endeavors since the last episode and introduce the newest member of our hosting team. Join us for a sneak peek into the exciting topics we're eager to explore this upcoming season. Host Introductions: Nora Hocke: Ma…
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Are you ready to unravel the most innovative trends disrupting the world of Fintech today? Join us on Fintech Files from BCG Platinion, where we delve deep into the dynamic landscape of Fintech, NeoBanks, and the Digital Banking world, sparking insightful conversations with industry disruptors from around the globe. Hosted by Nora Hocke, a manager …
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In this episode, the hosts Annika and Nora dive deep into the world of data with Antonio Martinez, Industry Solution Architect at Snowflake, the world's leading cloud-based data platform. We explore how data has become the lifeblood of the finance industry enabled by Snowflake's cutting-edge technology and advanced data analytics possibilities. Ant…
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In celebration of International Women's Day, Nora and Annika are joined by two BCG colleagues and renowned leaders in the financial institution's space, Claudia Rasper (Partner) and Jan Koserski (Partner & Managing Director). Together, they co-authored BCG’s "Gender Equality in the European Banking Industry" report, which explores the current state…
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“Revolutionizing the Future of Finance in the Middle East through Open Banking” with Emir Isik, Head of Business Development from Tarabut Gateway
26:28
Welcome to the world of open banking! In our first episode of 2023, we dive deep into the buzzword that’s taking the financial world by storm. What is open banking? Why is it relevant? And how is it transforming the finance landscape in the Middle East? Join Emir Isik, Head of Business Development at Tarabut Gateway, the largest open banking platfo…
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“Credit Meets Climate: The Role of Banks in Fighting Climate Change” with Hugh Shannon, Head of Sales & Customer Success at OakNorth
43:28
OakNorth has rethought credit decisioning with their data-centric credit intelligence platform. Even more interestingly, their first real-life reference was their own bank. Be it the bank or the software provider, both OakNorth companies share a common focus topic: climate change. Listen in to learn what banks can do to address this global matter n…
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"Modern Fintechs Are Born in the Cloud” with Anton Langbroek, General Manager DACH & CEE at Mambu
35:15
Hardly any other fintech is tied as strongly to the terms “next-gen core banking” and “cloud first” as the unicorn Mambu. Bringing in broad experience across the fintech and banking ecosystem, Mambu General Manager Anton Langbroek shares his views on modern versus traditional core banking systems. What are the implications of a modern core banking …
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“Finding the Sweet Spot in B2B Payments: Mondu and Its ‘Buy Now, Pay Later’ Offering” with Philipp Povel and Malte Huffman, Co-Founders and Co-CEOs of Mondu
38:33
While other “buy now, pay later” players are laying off employees to make up for increasingly pessimistic market expectations, the Berlin-based fintech Mondu just raised €40M in funding. We met with the two co-founders, Malte Huffman and Philipp Povel, and asked them about their secret recipe for building yet another successful start-up, the challe…
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“UpLyvt and Their Plan to Unlock Women’s Financial Health” with Alexa Cotiaux, Cofounder of UpLyvt
29:34
We invited Alexa Cotiaux, cofounder of UpLyvt to our first live recording session ever that took place during an internal women’s event! UpLyvt is an early-stage fintech from Berlin that focuses on female wealth management and financial well-being. We chatted with Alexa about UpLyvt’s purpose and product vision and what role a low-code platform pla…
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“Why API-First Is Not Only Relevant for Fintechs” with Ove Kreison, CTO and Co-founder of Tuum
28:52
What makes an Estonian fintech cooler than a Californian one? Probably not just the weather! It’s time to get to know Tuum and its mission to help banks stay in the current digital age. Listen in on this episode with Ove Kreison, CTO and Co-founder of Tuum—formerly known as Modularbank—about what characterizes a state-of-the-art core banking system…
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“The Art of Navigating a Company Through Rapid Growth and Post-Merger Integration”—with Michael Stephan, COO and Co-founder of Raisin
28:46
The Berlin-based fintech unicorn Raisin has written quite a success story of organic and inorganic growth since it was founded in 2012. Starting with a “savings-as-a-service” offering, it has massively expanded over the years both in functionality and in markets. Most recently, it merged with its former competitor Deposit Solutions to grow even str…
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A warm welcome to the Fintech and Digital Banking Podcast hosted by Annika, Manager, and Nora, Senior Consultant, from the BCG Platinion’s Financial Institutions Practice. Join us as we uncover the best-kept secrets of neobank and fintech experts and learn what’s hot and what’s next on the tech side of banking. Any questions? Reach out to us: finte…
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“Why Banking and Flawless Customer Experience Are Not Contrary to Each Other ” With Thomas Fuss (CTO) and Elliott Haralambous (Global Strategic Partnerships and Alliances Lead) from Backbase
41:03
While flawless customer experience seems to be more naturally aligned with new-grown Fintechs rather than incumbent banks, some solutions venture to bridge the gap between complex infrastructures and modern user-centric processes. Join Annika and Nora in this episode with Thomas Fuss and Elliott Haralambous from Backbase, the frontrunner in the dig…
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Personalized IBANs, biweekly feature releases, a special banking license just for Fintechs, a custom-developed core banking system, 100% cloud-native—what sounds like the future for most incumbent banks is already a reality for Yapeal, the rising star in the Swiss fintech market. Join Annika and Nora on their talk with Thomas Hilgendorff, CEO and C…
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„How to be at the Forefront of Innovation in the Institutional Crypto Space” – With Henrik Gebbing, Co-Founder & Co-CEO of Finoa
35:44
When talking about the crypto market, there are similarities to the traditional finance one. However, it is barely a “the winner takes it all” market, which provides opportunities for everyone to grow. Nevertheless, ten years in the future, crypto native players will have outperformed traditional banks. Therefore trust is required for Fintechs such…
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“About Germany’s First Crypto Saving Plans and the Pioneering Role of the Country in the Blockchain Regulation“ with Philipp Beer, Chief Growth Officer at Nuri
27:09
Hardly any other neobank is growing as fast as Nuri, formerly named Bitwala. Trying out some roads not taken yet by other mainstream providers. Nuri offers the world's first banking service that combines a full German bank account with access to cryptocurrencies, digital assets and blockchain-based financial services. But what is their secret recip…
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“Payaut’s Tech Stack Transformation Enables Marketplace Payments at Scale” with Simon Hall, CTO of Payaut
34:22
In this episode we introduce you to a niche fintech that successfully rides on the platform economy wave: The Amsterdam-based Payaut offers payment services to small and medium sized marketplaces. Listen in to learn from their CTO Simon Hall, former Chief IT Architect at BCG Platinion, what Payaut’s value proposition looks like, why they designed t…
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“What Incumbent Banks can Learn from Fintechs” with Jürgen Eckel, Ludger Küpper and Boris Stoff (Managing Directors of BCG Digital Ventures and BCG Platinion)
40:33
Observing the latest funding rounds and market values, it appears that successful Fintechs are rapidly catching up with incumbent banks. While what we currently observe is just the tip of the iceberg, the rate of change and the rate of growth in the Fintech space is going to continue. How does it affect the banking sector? And what can incumbent ba…
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“The Future Is Decentralized” with Peter Grosskopf, Co-Founder/CTO of Stealth Decentralized Finance Company (Part 2)
34:57
In our second episode with him, our guest Peter Grosskopf, one of the leading crypto and fintech experts, shares his perspective on how distributed ledger technologies will impact the future of financial services. If you’ve ever looked for a simple explanation for decentralized finance and the blockchain, listen in now and impress your grandma late…
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“Why Upvest Considers the Licensing Process as a Chance for Their Full-Stack Investment Offering” with Tobias Auferoth, CFO of Upvest
27:03
Full-stack investment offerings with a scope similar to incumbent banks are still rare in the European banking landscape. The German-based fintech Upvest has just positioned themselves in that niche with their "Investment as a service" offering. In parallel, they are just in the process of applying for a full securities trading bank license. Keen t…
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“How the Latest German Fintech Unicorn Plans to Stay Ahead of Competition” with Dr. Jörg Howein, Chief Product Officer of Solarisbank
30:37
Migrating core banking systems is a topic that may give you a headache before you even start getting into it. But what if you already would have been part of it without knowing? Germany’s latest fintech unicorn Solarisbank just demonstrated how to smoothly transition from a monolithic to a self-built modular core without its end customers even noti…
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“Everyone Should Be Able to Fulfill Their Financial Potential” with Jurek Herwig, Co-Founder and CTO of forget.finance
25:39
In the race to provide the best and simplest user experience ever, financial services still offer a promising playground for start-ups. Digital finance offerings are more popular than ever—forget.finance is well on the way to becoming one of them. With its ambition to offer a holistic, mobile-based financial coach, they are likely to be one of the …
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“How to Build a Great Fintech” with Peter Grosskopf, Co-Founder/CTO of Stealth Decentralized Finance Company (Part 1)
28:45
He is one of Germany’s leading crypto and fintech experts and is about to launch a promising decentralized finance (DeFi) start-up: Peter Grosskopf, former CTO of Börse Stuttgart Digital Exchange and Solarisbank. In this episode, we talk about his previous experiences and challenges as CTO of a fintech. Join us as Peter shares the lessons he learne…
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A warm welcome to this first season by our hosts! Meet Annika, Manager, and Nora, Senior Consultant from the Financial Institutions Practice at BCG Platinion. The two fintech and neobank experts host the Fintech and Digital Banking Podcast, in which they talk with handpicked tech and banking experts about how technology will transform the financial…
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In a special episode, Karalee Close, Global Leader of BCG’s Technology Advantage Practice, discusses BCG’s latest research – How Women Make It to the Top in Technology – with Neveen Awad, Managing Director & Partner, and Darshana Thakker, PLA Principal IT Architect. --- Led by experts around the world, the BCG Platinion on Digital Podcast tackles t…
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Phil Gerrard – BCG Platinion Associate Director based in London – joins host Tim Lum to discuss the value that design has to offer in an increasingly bionic world. --- The BCG Platinion on Digital Podcast brings you expert discussions on how winning organisations are harnessing new technologies and digital ways of working. Every episode features a …
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Julian Herman, BCG Managing Director in our Santiago office, joins Tim Lum to discuss the world of start-ups and how they can empower innovation in a corporate setting. --- The BCG Platinion on Digital Podcast brings you expert discussions on how winning organisations are harnessing new technologies and digital ways of working. Every episode featur…
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Do you know what components and technology sit behind all the data you use? In this episode, we chat with Jose Luis, BCG Platinion Managing Director in our Madrid office, to explore the topic of Data Centres and the value that they provide. --- The BCG Platinion on Digital Podcast brings you expert discussions on how winning organisations are harne…
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