TFTC - S1E7 - FinTech Ecosystems and Rails - Nasir Zubairi

Tales from the #FinTech Crypt

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محتوای ارائه شده توسط Duena Blomstrom. تمام محتوای پادکست شامل قسمت‌ها، گرافیک‌ها و توضیحات پادکست مستقیماً توسط Duena Blomstrom یا شریک پلتفرم پادکست آن‌ها آپلود و ارائه می‌شوند. اگر فکر می‌کنید شخصی بدون اجازه شما از اثر دارای حق نسخه‌برداری شما استفاده می‌کند، می‌توانید روندی که در اینجا شرح داده شده است را دنبال کنید.https://fa.player.fm/legal

<div class="span index">1</div> <span><a class="" data-remote="true" data-type="html" href="/series/lost-cultures-living-legacies">Lost Cultures: Living Legacies</a></span>

1
Lost Cultures: Living Legacies

لغو اشتراک

20 hours پیش20h ago

لغو اشتراک

ماهیانه

What can we discover about a place by exploring the histories of those who once lived there–and those who live there still ? In what ways do cultures build upon each other as populations come and go? How do they complement each other, interact, and leave their marks on the people that come after them? And are cultures truly ever lost, even if the people move on or evolve and adapt? Lost Cultures: Living Legacies—the award-winning podcast from Travel + Leisure—returns for Season 2. This season, we’re diving into the stories of vibrant communities around the globe, including the Kānaka Maoli of Hawai‘i, the Sámi of Norway, the Baghdadi Jewish community of India, and more!

حدود یک سال پیش 43:09

MP3•خانه قسمت

Takeaways

The term 'FinTech' was not in use until around 2011.
The financial crisis spurred innovation and interest in new financial solutions.
Entrepreneurial journeys often involve both successes and failures.
Cultural challenges within banks hinder true innovation.
AI has the potential to transform financial services significantly.
Startups need access to capital and customers to thrive.
The regulatory environment poses barriers to entry for new firms.
Understanding customer needs is crucial for product development.
Predictive AI can enhance customer engagement and service delivery.
The future of banking may see significant changes in the next 5 to 10 years.

Titles

The Dawn of FinTech: A Historical Perspective
Entrepreneurial Journeys: Lessons from the Trenches
Chapters
00:00
The Dawn of FinTech: A Historical Perspective
03:15
Entrepreneurial Journeys: Lessons from the Field
06:33
Innovation in Financial Services: Current Landscape and Future Opportunities
09:23
The Role of Startups in Driving Change
12:27
Navigating the Regulatory Landscape: Challenges and Solutions
15:31
Building a Supportive Ecosystem for Startups
18:15
The Importance of Culture in Financial Institutions
21:08
The Future of Banking: Predictions and Insights

11 قسمت

#Tech #Careers #Business #Duena Blomstroms #Fintech; Technologists; Agile; Banking; Banks; Digital

TFTC - S1E7 - FinTech Ecosystems and Rails - Nasir Zubairi

Tales from the #FinTech Crypt

published حدود یک سال پیش

اشتراک گذاری

MP3•خانه قسمت

Takeaways

The term 'FinTech' was not in use until around 2011.
The financial crisis spurred innovation and interest in new financial solutions.
Entrepreneurial journeys often involve both successes and failures.
Cultural challenges within banks hinder true innovation.
AI has the potential to transform financial services significantly.
Startups need access to capital and customers to thrive.
The regulatory environment poses barriers to entry for new firms.
Understanding customer needs is crucial for product development.
Predictive AI can enhance customer engagement and service delivery.
The future of banking may see significant changes in the next 5 to 10 years.

Titles

The Dawn of FinTech: A Historical Perspective
Entrepreneurial Journeys: Lessons from the Trenches
Chapters
00:00
The Dawn of FinTech: A Historical Perspective
03:15
Entrepreneurial Journeys: Lessons from the Field
06:33
Innovation in Financial Services: Current Landscape and Future Opportunities
09:23
The Role of Startups in Driving Change
12:27
Navigating the Regulatory Landscape: Challenges and Solutions
15:31
Building a Supportive Ecosystem for Startups
18:15
The Importance of Culture in Financial Institutions
21:08
The Future of Banking: Predictions and Insights

11 قسمت

#Tech #Careers #Business #Duena Blomstroms #Fintech; Technologists; Agile; Banking; Banks; Digital

Wszystkie odcinki

1
S2 E3 - Innovating for a Sustainable Future - Gustavo Vinacua 30:05

۸ weeks پیش30:05

30:05

Innovating for a Sustainable Future - Gustavo Vinacua 💥 Summary In this compelling episode of Tales from the FinTech Crypt , Duena Blomstrom sits down with Gustavo Vinacua , a sustainability and innovation strategist and former driving force behind BBVA’s transformation into a FinTech innovation leader. This isn’t just a story about banking - it’s a front-row seat to how legacy institutions evolve, how sustainability became a serious business lever, and why emotional intelligence and diversity are critical to the future of finance. From building human-first systems to challenging the status quo, Gustavo shares the bold moves and hard lessons that shaped a career spent at the bleeding edge of change. Whether you're a founder, tech leader, or innovation strategist, this episode will leave you rethinking what it means to lead in FinTech today. 🔥 Takeaways Gustavo’s FinTech journey began in 2009, long before it was cool. BBVA was a first mover in breaking open banking innovation. The culture at BBVA empowered experimentation and real innovation. Under Carlos Torres, sustainability shifted from rhetoric to strategy . Emotional intelligence is a business-critical skill , not a bonus. FinTech still has a diversity problem - and it’s holding us back. The industry holds massive untapped power to drive sustainability . Financial inclusion in Europe is a growth frontier . Businesses can scale and create positive impact, it’s not either-or. The human element must stay central in our digital transformation efforts. 💬 Sound Bites “BBVA was one of the first banks to innovate.” “We need to focus on the human element of everything.” “We need to keep doing more for women in business.” “We can do capitalism with the right purpose.” “Sustainability is part of our daily lives.” “We need to prepare people for the AI battle.” 🕐 Chapters 00:00 - Introduction to FinTech Journeys 02:54 - The Role of BBVA in FinTech Innovation 06:08 - Navigating Innovation and Compliance in Banking 08:53 - Sustainability in Banking and Financial Technology 12:02 - Human Systems and Emotional Intelligence in FinTech 15:01 - Diversity and Inclusion in the FinTech Industry 18:05 - The Future of FinTech and Sustainability 20:55 - Building a Positive Impact through Innovation 23:51 - Challenges and Opportunities in European FinTech 26:56 - The Human Element in Sustainability 29:56 - Conclusion and Future Conversations 🎧 Episode TL;DR This episode is a must-listen for anyone in FinTech or tech who cares about building things that last. Learn from a pioneer who helped redefine what innovation in finance could look like - and why empathy, sustainability, and inclusion aren’t distractions, they’re the engine of what’s next.…

1
S2E2 - Past and Future OGs of FinTech - Matteo Rizzi 48:24

14 weeks پیش48:24

48:24

In this engaging conversation, Duena Blomstrom interviews Matteo Rizzi, a prominent figure in the fintech industry, discussing his extensive journey through fintech, investment in emerging markets, and the creation of impactful initiatives like TimePledge. They explore the intersection of sustainability and finance, the importance of talent management, and the need for authenticity and courage in innovation. The discussion highlights the future of fintech, focusing on digital assets and financial inclusion, particularly in Africa. Takeaways Matteo Rizzi has 25 years of experience in fintech. Investing in Africa is a key focus for Matteo. TimePledge aims to coach African entrepreneurs on soft skills. Sustainability is becoming increasingly important in finance. Fintech can help level up the bottom billions. Talent management is crucial for innovation in financial services. Authenticity and courage are essential for disruptive change. The future of fintech includes a focus on digital assets. Inclusion of the next billion customers is necessary. Collaboration and communication are vital for team effectiveness. Sound Bites "Investing in Africa is a passion of mine." "We need more people that are not controlled by fear." "We should focus on who we have in the team." Chapters 00:00 The Journey of Matteo Rizzi in FinTech 10:18 Impact Investing and Entrepreneurship in Africa 20:05 The Intersection of Sustainability and Finance 25:35 FinTech and Financial Inclusion 28:42 Sustainability and the Future of Finance 30:21 AI's Role in Financial Services 40:05 Talent Management in Banking 46:54 The Importance of Human Connection in Finance…

1
S2E1 - Bridging Passion and Data in Finance – A Deep Dive with Andra Sonea 41:13

18 weeks پیش41:13

41:13

Summary In this thought-provoking conversation, Duena Blomstrom sits down with Andra Sonea to unravel the intricate evolution of fintech and its transformative impact on banking. From the once-niche fintech events to the mainstream revolution of open banking, they explore the critical shifts that have redefined financial services. Together, they dissect the complex relationship between front-end and back-end banking systems, the ongoing battle with technical debt, and the persistent gap between business and IT. Andra shares invaluable insights from her research, highlighting the transition from practitioner to academic and why banking must be seen as a critical national infrastructure. This episode is a must-listen for anyone eager to understand the past, present, and future of financial technology, as well as the challenges and opportunities shaping the industry. Key Takeaways 🚀 Fintech’s rise from the fringes to the forefront – Once dismissed as a niche sector, fintech has evolved into a powerful force driving change in banking. 🔄 Banking technology has undergone a seismic shift – The industry’s understanding of digital transformation, technical debt, and system architecture has matured significantly. ⚠️ Technical debt remains a major hurdle – Legacy systems continue to slow innovation, making modernization an ongoing challenge. 💳 Open banking has redefined consumer access – The shift towards data transparency has empowered consumers but also raised regulatory and technological complexities. 🔍 The business-IT divide still persists – Bridging the gap between banking executives and technologists is critical to future-proofing the industry. 💰 Banking inefficiencies have been tolerated due to profitability – Large profit margins have historically masked operational shortcomings, but fintech disruption is changing the game. 🌍 The global impact of open banking is undeniable – From Europe to emerging markets, the ripple effects of open banking continue to shape financial ecosystems. 📚 Research is key to bridging theory and practice – A more structured approach to fintech research can help align technological innovation with real-world banking challenges. 🏦 Understanding banking as critical infrastructure is essential – The future of banking must be viewed through the lens of national stability and economic security. 🤖 A holistic approach to technology is the future – Innovation in banking must integrate technology, regulation, and business strategy to drive meaningful progress. Memorable Sound Bites 💬 “The discourse and the understanding have changed.” 💬 “There is so much bloat in technology and banking in particular.” 💬 “The gap was always there.” 💬 “We can do what you need to do.” 💬 “Banking enjoyed a good profit margin.” 💬 “Open banking has forced a lot of change.” 💬 “The effect of open banking goes a long way.” 💬 “Banking is a self-regulated industry.” Chapter Breakdown ⏳ 00:00 – Introduction: Fintech Journeys & Personal Reflections ⏳ 02:55 – The Evolution of Fintech: From Niche to Necessity ⏳ 06:03 – Understanding the Banking Landscape & Its Challenges ⏳ 08:56 – The Power Struggle: Back-End vs. Front-End Banking Systems ⏳ 11:48 – Technical Debt: A Silent Threat to Banking Innovation ⏳ 15:15 – Open Banking: A Catalyst for Change or a Regulatory Hurdle? ⏳ 18:03 – Research in Banking: Bridging Academia & Real-World Solutions ⏳ 20:53 – The Transition from Practitioner to Academic: Lessons Learned ⏳ 23:55 – The Future of Banking: What’s Next for Technology & Regulation?…

1
TFTFC - S1E8 - The Role of FinTech in the AI-driven world of the Future - Brett King 40:53

27 weeks پیش40:53

40:53

Summary In this episode, Duena Blomstrom and Brett King dive into the transformation of banking from traditional branches to a digital-first future. They discuss AI's role in reshaping financial services, the philosophical shifts needed in our economic models, and how AI could intersect with climate change. The conversation also touches on generational value changes, the ethical challenges around AI, and the importance of keeping the human touch in tech and finance. This is a must-listen for anyone interested in the future of fintech, technology, and building a sustainable world. Takeaways Branches are becoming educational centers for digital banking. AI will serve as a personal financial coach and health manager. Technological advancements can solve major societal issues like homelessness. The next generation is moving away from traditional capitalism. A new system of value is needed to accommodate longer lifespans. Meaningful work will become a priority for future generations. AI development is at a critical formatting stage. Humanity must evolve to address ethical dilemmas in technology. Productivity gains may lead to increased unemployment. The seeds of change in economic philosophy have been planted. Titles From Branches to Digital: The Future of Banking AI as Your Financial Coach: A New Era AI-driven Changes to the World and Financial Services Sound Bites "We are at a formatting stage of AI." "We have to grow up as a species." "We need a different system of value." Chapters 00:00 The Evolution of Banking: Branches to Digital Excellence 04:00 AI and the Future of Financial Services 07:15 The Intersection of Technology and Human Values 09:55 Economic Philosophies and the Role of AI 13:14 The Generational Shift in Economic Perspectives 15:55 The Future of Work and Longevity 19:06 The Role of Fintech in a Changing World 22:09 Navigating Ethical Challenges in AI 25:14 The Importance of Personal Data in the AI Era 28:22 The Future Landscape of Financial Institutions 31:05 Hope and Challenges Ahead…

1
TFTC - S1E7 - FinTech Ecosystems and Rails - Nasir Zubairi 43:09

28 weeks پیش43:09

43:09

Get ready for an exciting and honest conversation as Duena Blomstrom and Nasir Zubairi dive into the fascinating evolution of the FinTech industry! From its humble beginnings to the entrepreneurial journeys that shaped it, they explore where we are now and the innovations pushing financial services forward. You'll hear all about the challenges startups face, the cultural hurdles in traditional banking—including their infamous spaghetti backend systems—and whether banks can truly embrace Agile and customer-centric ways of working. They pull no punches while also discussing the game-changing potential of AI. The discussion wraps up with hopeful predictions for the future of banking and why adapting to change is more crucial than ever. Takeaways The term 'FinTech' was not in use until around 2011. The financial crisis spurred innovation and interest in new financial solutions. Entrepreneurial journeys often involve both successes and failures. Cultural challenges within banks hinder true innovation. AI has the potential to transform financial services significantly. Startups need access to capital and customers to thrive. The regulatory environment poses barriers to entry for new firms. Understanding customer needs is crucial for product development. Predictive AI can enhance customer engagement and service delivery. The future of banking may see significant changes in the next 5 to 10 years. Titles The Dawn of FinTech: A Historical Perspective Entrepreneurial Journeys: Lessons from the Trenches Chapters 00:00 The Dawn of FinTech: A Historical Perspective 03:15 Entrepreneurial Journeys: Lessons from the Field 06:33 Innovation in Financial Services: Current Landscape and Future Opportunities 09:23 The Role of Startups in Driving Change 12:27 Navigating the Regulatory Landscape: Challenges and Solutions 15:31 Building a Supportive Ecosystem for Startups 18:15 The Importance of Culture in Financial Institutions 21:08 The Future of Banking: Predictions and Insights…

1
S1E6 - The Future of Banking is (still) in Personalisation - Alex Jimez 32:05

30 weeks پیش32:05

32:05

In this lively conversation, Duena Blomstrom and Alex Jimenez, both members of the "FinTech Mafia ThinkTank," offer an insider's perspective on the fascinating journey of the fintech industry. They dive into its early beginnings, the struggles of driving innovation in traditional banking, and envision an exciting future where banking becomes truly personalized and consumer-centric. With a focus on how technology is reshaping finance, they reflect on the industry's evolution and the urgent need for banks to keep pace with changing customer expectations. It's an insightful discussion about where fintech has been, where it's headed, and how it’s transforming the way we experience banking. Takeaways The first significant fintech event was Finnovate in 2011. Innovation in banks often faces cultural resistance. The concept of failing fast is not embraced by all banks. Branches are still relevant despite predictions of their demise. True personalization in banking is still a work in progress. AI is seen as a potential tool for better personalization. Consumers often prefer simplicity over complex financial data. The younger generation is more influenced by social media for financial advice. Corporate banking is demanding more digital experiences. The gap between consumer expectations and banking services remains large. Titles Exploring the Roots of Fintech Innovation Challenges in Banking Only Now Is Innovation Truly Internal Banking Hasn't Kept Up the Pace Sound Bites "Finovate was a series of actual product demos." "We do not fail fast at this bank." "Branches were only going to be alive for five years."…

1
S1E5 - Curating Innovation for FinTech Success - Alessandro Hatami 48:22

31 weeks پیش48:22

48:22

In this lively conversation, Duena Blomstrom sits down with Alessandro Hatami, a former banker turned FinTech trailblazer and innovation catalyst, to dive into the evolution of the FinTech industry. They tackle the challenges faced by traditional banks and the exciting opportunities that collaboration between incumbents and challengers can bring. With insights into how banks must adapt to truly understand customer needs, the role of regulation as a catalyst for innovation, and the shifting landscape of employee well-being, this discussion is a must-hear for anyone interested in the future of finance. Duena and Alessandro highlight the ongoing journey of transformation in financial services and outline the clear, actionable pathways needed to drive meaningful change. Takeaways Collaboration between challengers and incumbents is essential for innovation. Banks need to focus on understanding customer needs rather than just selling products. Regulation must be enforceable to drive meaningful change in the industry. Employee well-being is crucial for retention and organizational success. The future of banking will involve a combination of incumbents and new players. AI and digital transformation are ongoing processes that require careful management. Organizations must define clear metrics for success in their transformation journeys. The perception of banks is changing, and they must adapt to remain relevant. Understanding the market landscape is vital for making informed decisions. Transformation is a continuous journey, not a destination. Titles Navigating the Future of FinTech The Evolution of Financial Services Sound Bites "The future of innovation is collaboration." "Banks are selling the ability to achieve goals." "Regulation must have repercussions to be effective." Chapters 00:00 Introduction and Background 03:43 The Evolution of FinTech and Global Perspectives 06:49 The Role of Incumbents and Challengers in Innovation 10:47 Challenges in Corporate Innovation and Honesty 13:33 Understanding Customer Needs in Banking 17:07 The Changing Landscape of Banking and Competition 21:07 The Future of Financial Services and Digital Transformation 23:46 The Role of Boards in Driving Change 27:11 Internal Politics and the Challenge of Transformation 30:25 The Importance of ROI in Innovation 33:04 The Impact of Open Banking and AI 36:17 Regulation as a Catalyst for Innovation 40:04 The Changing Dynamics of Employee Engagement 44:52 Steps for Successful Transformation in Organizations…

1
S1E4 - The State of FinTech in 2024 and Beyond - Theodora Lau 48:34

34 weeks پیش48:34

48:34

In this captivating episode of "Tales from the Fintech Crypt," join Duena Blomstrom and Theo Lau as they embark on a thought-provoking journey through the dynamic world of fintech. They delve into how the COVID-19 pandemic has reshaped the financial landscape and explore the ongoing challenges facing the banking sector today. With an insightful lens, Duena and Theo reflect on the incremental technological advancements that have emerged and highlight the urgent need for a cultural transformation within financial institutions. Their conversation spans generational perspectives on banking needs, shedding light on the crucial importance of financial inclusion for everyone. As they navigate these complex themes, the duo emphasizes the vital role of leadership in driving meaningful change within the industry. Ultimately, their discussion inspires hope, showcasing the necessity of heart and goodwill in crafting a brighter financial future for all. Tune in for an episode that not only informs but also ignites passion for a more inclusive financial world! Takeaways COVID-19 was initially seen as a game changer for fintech. The funding trends for women in fintech have not improved significantly. There is a comfort in returning to business as usual post-pandemic. Generational needs in banking are more about life stages than age. Incremental change in fintech is not enough to meet consumer needs. Cultural transformation is essential for innovation in banking. Financial inclusion remains a critical issue globally. The role of technology should focus on solving real consumer problems. Leadership in banking needs to embrace courage and empathy. The next generation of fintech leaders will bring new perspectives and values. Sound Bites "We finally see the value of different people." "We still have more than a billion people unbanked." "We need to push the envelope." Chapters 00:00 Introduction and Expectations 03:45 The State of Fintech in 2024 09:20 The Need for Human-Centered Design in Banking 14:36 The Obsession with Segmentation in Banking 15:50 The Lack of Significant Progress in Fintech 17:42 The Potential of Blockchain and AI 22:40 The Mushrooming of Fintech Companies 23:28 The Lack of Innovation in Traditional Banks 24:50 The Disconnect Between Back-End Advancements and Front-End Customer Experience 26:04 The Challenges of Inertia, Trust, and Regulatory Issues 31:21 The Importance of Culture, Courage, Empathy, and Genuine Communication 36:35 The Need for Financial and Digital Inclusion 39:54 Addressing Societal Issues Through a More Equal and Fair State of Money Movement 44:29 The Shift in Mindset and Leadership Needed for Innovation in Banking…

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S1E3 - Exploring the True Passion for Innovation that Built FinTech - Roberta Profeta 48:47

36 weeks پیش48:47

48:47

In this dynamic conversation, Duena Blomstrom and Roberta Profeta share captivating stories from their journeys in the FinTech world, diving deep into the transformation of banking and the bold challenges of driving innovation. They highlight the crucial roles culture and gender play in shaping change, while exploring how passion and authenticity define strong leadership. The discussion delves into cutting-edge topics like AI, blockchain, and the growing need for a holistic approach to innovation in financial services. Their insights offer an inspiring and T akeaways Roberta Profeta is a key figure in the FinTech industry. Innovation requires finding champions within organizations. Cultural change is essential for successful digital transformation. The banking sector is slowly adapting to new technologies. Gender equality in banking is still a work in progress. Passion and authenticity are crucial for leadership. Blockchain offers opportunities beyond just cryptocurrency. AI is attracting a lot of attention and investment. The energy to change in the industry is still present. Peer pressure should not dictate one's professional identity. Titles Navigating Gender Dynamics in Banking Reflections on the FinTech Revolution Sound Bites "I challenge anyone to meet Roberta Profeta and not fall in love." "Innovation was the ability to deeply change perspectives." "You can't do innovation for the sake of it." Chapters 00:00 Introduction and Background 04:01 The Early Days of Fintech and Bringing Innovation to Banks 10:21 The Importance of Culture and Mindset in Driving Innovation 14:13 Adapting to Change and Embracing Agility 18:09 The Impact of Innovation on the Bottom Line 20:23 Regulation as a Driver of Change in Banking 26:32 The Future of Fintech: Energy and Momentum 27:15 The Shift in the Startup Ecosystem 28:14 The Potential Mushrooming of Enterprises in the ML Space 30:30 The Evolution of Blockchain 37:52 Challenges and Experiences of Women in Banking 44:12 Staying True to Oneself and Making a Positive Impact See more at www.peoplenottech.com…

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S1E2 - How FinTech was Built on Products and Passion - Einar Gustafsson 37:08

39 weeks پیش37:08

37:08

In this conversation, Duena Blomstrom and Einar Gustafsson discuss their very early experiences in the fintech industry and the challenges they faced. They reflect on their time working together and the innovative solutions they developed. They also explore the mindset and culture in Iceland that fosters innovation and resourcefulness. The conversation highlights the importance of building products with a focus on user experience and the struggles of implementing innovation within large organizations. Overall, it provides insights into the early days of fintech and the lessons learned along the way. ---------------------- The early days of fintech were characterized by a product-led approach, with companies building innovative solutions and driving the discourse in the industry. Implementing innovation within large organizations can be challenging due to bureaucratic processes and resistance to change. The Icelandic mindset of resourcefulness and a willingness to take risks has contributed to the country's success in fintech. Modesty and humility are common traits among Icelandic entrepreneurs, which can sometimes hinder self-promotion and recognition of their achievements. Building products with a focus on user experience is crucial for success in the fintech industry. ---------------------- Sound Bites "We became a rock star overnight" "The biggest benefit that we have is that we are a small country" "If you have your mind in the right place and you really want to build technology that goes to humans with other humans in teams that are empowered, then you're going to get that" Chapters 00:00 Introduction and Early Beginnings 02:53 The Idea of Emotional Banking 06:03 Juggling Work and Parenthood 09:47 Einar's Journey in Fintech 18:00 The Launch of a New Product and the Finnovate Experience 22:54 The Innovation Landscape in Fintech 27:13 Challenges in Implementing Innovation 32:12 The Icelandic Mindset and Culture 34:50 Modesty and Humility in Icelandic Entrepreneurs 36:08 The Importance of User Experience in Fintech…

1
TFTFC - SE1E1 -A Walk Down Memory Lane -A Conversation with the "Daddy of Fintech"-Nektarios Liolios 33:24

41 weeks پیش33:24

33:24

In this conversation, Duena Blomstrom and Nektarios Liolios discuss the early days of fintech and the challenges faced in driving innovation within the banking industry. They reflect on the lack of fundamental change in the banking experience and the burnout experienced by those OGs working to digitally transform banks. They highlight the disconnect between the ambition for change and the lack of delivery capability within banks. They also discuss the need for banks to focus on the care towards their customers and the importance of addressing the needs of underrepresented communities. They conclude with a hopeful message that meaningful change can come from startups and complementary services rather than relying solely on traditional banks. TakeAways The early days of fintech were characterized by enthusiasm and a belief that technology would fundamentally change the banking industry. Despite efforts to drive innovation, there has been a lack of fundamental change in the banking experience. The disconnect between ambition for change and delivery capability within banks has hindered progress. Banks need to focus on the care towards their customers and address the needs of underrepresented communities. Meaningful change can come from startups and complementary services rather than relying solely on traditional banks. Titles Addressing the Needs of Underrepresented Communities in Banking The Disconnect Between Ambition and Delivery Capability in Banks Sound Bites "The most important figure you can even bring to mind when it comes to the people that have constructed digital and fintech." "The effort that has gone into digitally transforming banks has turned into an amount of burnout for the most of us." "The banking industry doesn't need to be the innovative." Chapters 00:00 Introduction and Nektarios' Role in Fintech 09:12 The Lack of Fundamental Change in the Banking Experience 13:04 The Need for Human-Centered Design and Care Towards Customers 21:16 The Obstacles to Innovation: Procurement, Legal, and Compliance 26:05 Technology-Enabled Business Model Innovation 31:54 The Role of Startups in Driving Innovation 33:14 High (Short)…

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TFTC - S1E7 - FinTech Ecosystems and Rails - Nasir Zubairi