London Fintech Podcast

Fintech is a Big Thing. India is a vast sub-continent. Naveen Bindal, the co–founder of Enkash which is India‘s largest spend management Fintech, joins us to discuss Fintech in India which was one of the first movers in Fintech worldwide and is now by some measures the world’s  third largest Fintech marketplace. Naveen started his career some […]

There is a real art to how a founder manages his companies equity. If he gives it, or its derivative, share options, away too fast for too little value – whether funding or staff – he will be giving away his creation on the cheap and losing control fast. Vice versa hoarding it to himself […]

AI/ML has been around for a long time but recently hit the headlines with ChatGPT which has broken every tech record in the book for a piece of tech that attracts users faster than any other tech ever. If Generative AI is the hot topic of the day though what is happening behind the scenes with […]

Financial Services is all about Finance which is all about money. However almost all FS employees just accept “money” as a thing in the same way they accept gravity. Which is an odd thing if you think about it. Most of the time this wouldn’t matter but at turning points such as we are at […]

Increasing automation is what the tech revolution is about – by definition. In this episode we dive into this topic starting at the highest levels – Government intelligence community quality tech at GCHQ (where Jeremy and his four co-founders had been long-term employees) and the immense value of technology transfer between state and private sectors. […]

This 2023 New Year Special forms the fifth is a series of five about how technology is changing us directly and indirectly by empowering tyrants. It is by far the most ambitious, empowering and positive of all suggesting that we use the insanity as a spur in our sides to seek to flee Plato’s cave, escape […]

So yet another fresh topic we haven’t covered so far

Ricardo is a Brazilian serial entrepreneur who joins us in this show to give us an overview of the key features of Fintech in Central/Southern (aka Latin) America. The region includes the worlds highest valued neo-bank which has reached an astonishing 65 million client base in less than a decade – most of whom never had […]

What actually is due diligence? How does it work and how should you if you find yourselves approaching one best prepare for it? Barr Blanton CEO of Crosslake Technologies, whose strapline is “private equity and management teams trusted advisor for technology”, and half of whose business is doing due dil joins us to outline what due […]

All sane Fintechs will have a security system to try and keep out as many attacks and fraudulent would be clients. However the nature of the attacks and frauds is getting ever-more hardcore. As Martin says in the show back in the day to rob a bank you would have to take significant personal risk […]

Swiss Kickstart Innovation are highly active in enabling deals between Fintechs and incumbent FS – when we recorded the podcast for example they had facilitated an extraordinary 300 negotiations in the prior 10 days. As we haven’t dived for many years into the whole challenge of young Fintechs managing to close deals with incumbents whose […]

Payments orchestration is all the rage. But what is it, and amidst all the hype is it all it’s cracked up to be? Good questions and who better to ask than serial entrepreneur Kristian who founded Cellpoint Digital back in 2007 to do precisely what became known today as payments orchestration and indeed their website […]

Africa in general narratives is all too often treated – like many matters – as a super-low-res jpeg, more as if it were a place, one which is complex and widely misunderstood, or not even understood. Africa is, of course, in reality it is a vast continent of a billion people, over 50 countries and […]

Incumbent banks – as Fintech has found in the past decade are rather safer from having huge slices of their business nicked than many Fintechs have imagined. However Allica Bank, established by some pretty experienced individuals have a plan. In this episode we dive into that plan along with quizzing Conrad, who was last on […]

Africa is one of the lynchpins of Fintech’s origins – key origins being Zopa’s invention of P2P borrowing/lending in 2005 and mPesa’s mobile money+ in 2007. In this episode we take a look at more recent innovation in Nigeria, Africa’s largest country with a population of over 200 million. Piggyvest who launched in 2016 and […]

Chargebacks – the ability to retrieve your money from your bank spent when spent via a card in case of dissatisfaction after a purchase and an inability to resolve the situation with the seller – are one of those rare items that affects everyone from consumer through to merchant and including naturally the financial system […]

Many founders establish businesses and only later realise they are hard to fund. Others aim to create “fundable businesses” yet lack the passion for a long journey. Somewhere along the spectrum is a happy medium which must be balanced along the growth curve as phases change and different types of funders come and go. In […]

The Fintech wave spreads ever wider – and in the case of retail financial markets as Nicky puts it if you can buy a book at midnight why can’t you buy a share? It’s a good example of how the digital paradigm has changed customer expectations and oldskool ideas about limited “market hours” – there […]

Financial services – whether mainstream or alternative – depend entirely on Trust – trust that the pieces of paper and coins in your pocket will be taken in exchange for goods (no longer 100% true), trust that a piece of plastic in your wallet will “tap and pay”, trust that you do “own” those securities […]

Over time the Fintech wave reaches ever more complex topics. FX per se was one of the earlier low-hanging fruits to be digitised – a simple, near immediate transaction that everyone understands as they do it all the time when going on holidays. However its taken much longer – a decade or perhaps two – […]