London Fintech Podcast

As we heard in LFP069 Financial Advice costs a packet these days – for most folk it’s simply uneconomic. But FS is a complex topic for those who have spent a lifetime in it let alone those with no experience. We all have debts, assets, cashflow, pensions, and many tax complications swirling around in a […]

FinTech = Fin + Tech. But what is tech? No really what is it? We all see the word so many times but only a small minority of the population around the world have actual experience of what Tech is. In this episode we dive into software and software development from the earliest days up […]

What is it actually like being an Entrepreneur? Despite being experienced and having an MBA Ruzbeh Bacha, CEO of personalised news aggregator/filter CityFalcon has found that the reality is very different from expectations. What is it really like? How hard can it be? Media narratives are of some startups achieving amazing success with amazing amounts […]

Strategy is the heart of all business success. Will Wynne has built two great businesses under his belt which have evolved over 12yrs and 5yrs respectively to be champions in their sectors. Based on this experience he shares with us how Strategy evolves, what the key points are and what you do when you keep […]

Trade Finance – a $9trn pa market – is possibly the most important transaction type in FS – a huge number of our possessions will have come round the world in a container and needed financing. Tradeteq is turning Trade Finance form a banking closed-shop into an investable asset class via Securitisation As A Service. […]

Creativity springs eternal. Here is yet another new topic, one that no one could have imagined even a couple of decades ago. Litigation crowdfunding gives litigants a new source of funding and investors a totally new investable asset with non-correlated returns. Cormac Leech CEO and co-founder of Axiafunder walks us through this complex landscape. Litigation […]

Today the super-important topic of “What VCs don’t know about Entrepreneurs;  and what Entrepreneurs don’t know about VCs”. Steve Findlay is a great guest to have to discuss this as he has been a long-time VC and now founder/CEO (Bond Mason and AAA Reserve). How can this culture divide, objective divide be best managed? How […]

It’s time for the New Year Special and we tackle what is surely the most important topic of our times – “Is FS + Tech Ushering In Orwellian Tyrrany Rather Than Freeing The People?”. The BigTech giants increasingly act as public censors with the modern equivalent of Nazi book burning, Big FS firms and Fintechs […]

App Banks are all the rage and you can go round the world on their cards. However move to another place and you soon find you need a bank account. Norris Koppel founder of Monese is on a mission to build a Global App Bank that will enable you to have local bank accounts at […]

How are the changing tides and winds in newFS vs oldFS lending? How are the incumbents and newbies doing? How is the balance of institutional funding of P2P and retail going? What’s the best way to succeed? When does accepting institutional funds turn into just being a front-end for oldFS? Landbay only do buy-to-let mortgages […]

We all know that investing in the top P2P has been a good plan. But do corporate bonds offer better risk-adjusted value? Historically you had to have megabucks to buy bonds, or invest in a unit trust. However now WiseAlpha are Finteching the Corporate Bond Market and making direct investing available from as little as […]

Financial crime affects us all – oldFS, newFS, citizens. How can businesses control and minimise Financial Crime? We are joined today by Vishal Marria whose data-driven firm Quantexa has grown super-rapidly and works in this area as well as on other big data issues. Their clients include HSBC and Shell and despite being founded only […]

Bought By Many are one of the UK’s oldest Insuretechs from when it was nigh on impossible to launch one and to do so meant one was laughed at. Now BBM have over 600,000 members in over 320 specialist insurance groups. They get a super-impressive Feefo trust rating of 4.7/5 from nigh on 6,000 reviews which is great […]

This is the most important topic for our democracy. What is the constitutional position of regulators? Are they a 4th branch of the State or subsidiary to the existing 3 (executive, legislature, law)? Amazingly no-one knows and modern constitutional law textbooks make no mention. Is the spirit of Magna Carta which set in train the restraint of […]

You may not be rich, you may not be “sophisticated” but what kind of Stalinism is it that means The State can order you re what you can and cannot do with your money?!? The entire ethos of “P2P” – the heart and most successful sector of Fintech – was connecting ordinary people, enabling lenders […]

Using “P2P loosely there are over fifty to invest in, all with different standards and approaches. It’s a “fragmented and complex” market. Professionals do much due diligence before investing. How is an individual investor to cope? One strong contender for The Answer is “Aggregators” who do the due diligence, sign you up with said platforms […]

TransferGo‘s slogan is “Send money around the world. Fast. For just 99p” which is a super-cheap flat fee. In terms of price they deal at a variable 2+% to flat 0.45% (above £1000) on top of the mid-market rates with a known price when you deal. They also transfer in under 30 minutes and have a 96% 5* rating on […]

Nationwide is the largest Building Society in the world with 15 million customers, 1 in 4 UK households have an account, which makes over £1bn profit per annum and is entirely owned by its members (customers). If it were a company it would be in the FTSE50.  In this wide ranging conversation Tony Prestedge discusses how […]

Nick leads innovation at Barclaycard who in 2017 processed some £250bn of payments. We go back to 1966 and the start of credit cards and continue the narrative through the present into the future. Cards used to be perceived as bits of plastic that we all still recognise. However as FS gets ever more digital […]

Metro Bank are well known for being the first new UK high street bank in some time but that fails to uncover how radically different there concept is. In this episode Chief Commercial Officer Paul Riseborough joins us to describe how different they are and how the integration of physical and digital can lead to […]