Rebank: Banking The Future

Aman Ghei is a Principal at Orange Growth Capital, a London- and Amsterdam-based venture capital firm focused on high growth fintech companies. Prior to joining Orange Growth Capital, Aman worked at Facebook and Accel Partners.   Aman first joined Rebank for Episode 37, together with Alvaro Alvarez del Rio, where we looked at similarities between fintech and other tech verticals, including gaming.   We're trying out a new format in this episode. Rather than breaking down high level trends like we usually do, we're going deep on a single business model from the point of view of the investor and the entrepreneur. Today we look at the opportunity in wealth management software, leveraging tech to provide automated personalized financial management to the masses. Let us know what you think of today's format. If you guys like it, we'll get some more VCs on in the future and do it again.   As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.   If you like today's show,

Charlie Delingpole is the founder and CEO of ComplyAdvantage, a company using artificial intelligence and machine learning to help prevent financial crime.   Prior to founding ComplyAdvantage, Charlie co-founded and ran MarketInvoice, a leading alternative lending platform focused on invoice finance.   Charlie founded his first startup in 1999, and somehow managed to run it for seven years while graduating from Cambridge and then the London School of Economics.   As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.   If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.   Thank you very much for joining us today. Please welcome, Charlie Delingpole.

Michael Treskow is a Partner at Eight Roads Ventures, focusing on venture and growth investments in technology companies across Europe. Previously, Michael worked at Accel in London, where he was involved with investments in companies such as Funding Circle, GoCardless and WorldRemit. He moved to London from San Francisco, where he did cross-stage investing in technology companies at Warburg Pincus. A special thanks to Innovate Finance for coordinating this interview. As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com. If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review. Thank you very much for joining us today. Please welcome, Michael Treskow. 

A couple weeks ago we joined our friends at Innovate Finance in London for their annual VCs Take the Stage event, where we caught up with two of the headliners.   The first interview you hear is with Alex MacPherson, CEO of Octopus Ventures, the £660 million venture capital arm of UK fund manager Octopus Group. Alex's fund has invested and exited a handful of noteworthy AI companies, including Evi Technologies, Swiftkey and Magic Pony, which sold to Amazon, Microsoft and Twitter, respectively.   After we talked to Alex, we caught up with Carolina Brochado, Partner at Atomico, another London-based VC firm. Atomico manages over a billion USD and has invested in seven companies that grew to be worth more than a billion dollars, according to the Financial Times, including games developer SuperCell and weather data company Climate Corporation.   As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.   If you like today's show, please subscribe on iTunes, or your podcas

Ishaan Malhi is CEO and Founder of Trussle, the UK's first online mortgage advisor. Trussle uses technology to help homebuyers and existing homeowners select from the over ten thousand mortgage and remortgage options on the market in the UK.   Trussle has attracted investment from a range of noteworthy backers, including Zoopla, Seedcamp and the co-founders of Betfair and Wealthfront.   As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.   If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.   Thank you very much for joining us today. Please welcome, Ishaan Malhi.

Danny Gilligan is back for round 2 with Rebank, this time to discuss the future of data.   Danny is the co-founder of Data Republic, a company building the rails to support the emerging data industry. Danny is also co-founder and managing partner of Reinventure, an Australia-based, fintech venture capital fund.    Danny joined us in Episode 28 in late February with his Reinventure partner Simon Cant to talk fintech investing, and we promised we'd follow it up with an episode on data at some point.    As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.   If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.   Thank you very much for joining us today. Please welcome, Danny Gilligan.

Nick Ogden is the Founder and Executive Chairman of ClearBank, the UK's first new clearing bank in more than 250 years. ClearBank offers banking infrastructure, including clearing, to incumbent and startup financial services companies and fintechs. Built on real time technology, ClearBank aims to support increased transparency and competition in the UK banking market.    Prior to founding ClearBank, Nick founded, ran and sold WorldPay, a global leader in payment processing.     As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.   If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.   Thank you very much for joining us today. Please welcome, Nick Ogden.

Lawrence Wintermeyer (@LWintermeyer) is the CEO of Innovate Finance, an independent membership association that represents the UK's global FinTech community.   Founded in 2014, Innovate Finance looks to accelerate the UK's leading position in the global financial services sector by supporting the next era of technology-led financial services innovators.   During our conversation, Lawrence references Innovate Finance's recent sandbox paper, which is available at industrysandbox.org. Innovate Finance itself is very active online at innovatefinance.com, and also supports the global fintech hubs federation, which has a great website at thegfhf.org.   As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.   If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.   Thank you very much for joining us today. Please welcome, Lawrence Wintermeyer.

Peeling back the banking stack, layer by layer. This week, we've put together a special show looking at a couple of the biggest topics in fintech. Rebank is lucky to host some of the most noteworthy figures in fintech. The perspective and insight they provide is often an indicator of where things are going. One of the trends we've discussed on the show in the past is the move to component front, middle and backend layers to replace proprietary pieces of the financial services technology stack. Today, we start by taking a closer look at that trend before digging into data analytics, AI and machine learning. We wrap up by looking at the potential for quantum computing to change the way we think about processing for different types of tasks. If you enjoy today's show, reach out. Connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com. For more on the topics covered today, check out the full episodes on our website, iTunes, or your podcast platform of choice.

Nigel Verdon is the co-founder and CEO of Railsbank, an API-layer connecting fintechs to a wide range of banking and payments services in five lines of code. Nigel is a pillar of the London fintech community. Prior to starting Railsbank, he founded and ran CurrencyCloud, an API-based FX and payments solution, invested as a venture capitalist at Orange Growth Ventures, advised startups in the UK and Europe and traded FX at Nomura and Swiss Bank. Banking-as-a-platform is regularly cited as the next phase of financial services evolution, and Railsbank is operating at the cutting edge of that trend. As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com. If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review. Thank you very much for joining us today. Please welcome, Nigel Verdon.

Google Ventures invested $25m in CurrencyCloud earlier this year, buying into one of the most powerful fintech solutions in the payments space. Today we're joined by Steve Lemon, co-Founder of CurrencyCloud, to discuss the investment, the company and the payments space in general. CurrencyCloud's API-based payments engine automates B2B payments and FX, powering an impressive range of fintechs, including Klarna, Travelex, Revolut, Azimo, Fidor Bank and, previously, Payoneer, Kantox and TransferWise. As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com. If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review. Thank you very much for joining us today. Please welcome, Steve Lemon.

The Omidyar Network is a high-impact, social investment fund set up by eBay founder Pierre Omidyar. Today, we're joined by Ameya Upadhyay, a Principal at Omidyar.   Ameya focuses on the firm’s Fintech and Financial Inclusion efforts, investing in organizations that have the potential to create economic opportunity for individuals in Africa, Europe, Myanmar and India. His portfolio includes first movers in India across micro-enterprise lending, digital retail lending, merchant cash advance, and online brokerage. He has been active in Myanmar for the last two years and is closely following the emerging mobile money ecosystem, in addition to making grants to non-profit organizations which are creating sector-wide public goods.   As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.   If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.   Thank you very much for joining us today. Please welcome, Ameya Upadhy

Scott Crowder is the CTO of IBM's Quantum Computing business. In March, IBM announced the construction of a 50-qubit quantum computer as part of its IBM Q program, an industry-first initiative to build commercially available universal quantum computing systems. IBM Q enables customers to access quantum systems and services via the cloud. The technology sits alongside classical computing solutions, like Watson, IBM's artificial intelligence engine. IBM's progress in quantum computing mirrors advances by other institutions, all of which will no doubt contribute to quantum computing having a meaningful impact on businesses and consumers in the coming years. If you like today's show, please subscribe on Apple Podcasts, or your podcast platform of choice, and leave us a review. Thank you very much for joining us today. Please welcome, Scott Crowder.

UX is a make-or-break component in mobile gaming, and many of the same learnings are being brought to fintech.   Today, we're joined by two fintech venture capitalists for an update on investment trends in our industry.   Alvaro Alvarez del Rio is Principal at Initial Capital, a mobile gaming and fintech focused venture capital fund. Prior to joining Initial Capital, Alvaro worked in investment banking and private equity.   Aman Ghei is Principal at Orange Growth Capital, a London- and Amsterdam-based venture capital firm focused on high growth fintech and mobile gaming companies. Prior to joining Orange Growth Capital, Aman worked at Facebook and Accel Partners.   Interestingly, both Aman and Alvaro have experience in mobile gaming (video games, not gambling). In this conversation, we explore how fintech can learn from customer experience best practices developed in other industries.   If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.   As alway

Penta and Crunch are reinventing banking and accounting for startups and sole traders. Darren Fell is the Founder and CEO of Crunch, one of the original cloud-based accounting platforms, launched in 2009. Crunch serves thousands of sole traders and small businesses in the UK with an ever-increasing range of accounting and financial services products. Lav Odorovic is Co-Founder and CEO of Penta, a Berlin-based neobank offering banking services to early-stage technology companies. Today's conversation explores the convergence of banking and accounting, two closely related and until now separate services for SMEs. If you enjoy today's show, we'd love to hear from you. Feel free to connect with us on Twitter, Facebook, LinkedIn or www.bankingthefuture.com.

Brett King, acclaimed author, speaker, futurist and host of the Breaking Banks radio show joins us to discuss quantum computing and AI following the Innovate Finance Global Summit event in London on April 10th, 2017. 

Michael Kent is a serial entrepreneur and the Founder and CEO of Azimo, one of Europe's most successful fintechs of recent years. Michael is also co-founder and a non-executive director of Tandem, a new digital-only bank in the UK. Previously, Michael co-founded Small World Financial Services, a money transmission provider, which he grew to $4.5bn in annual transaction volumes. Michael is also a startup investor and advisor, working with companies including Curve, a smarter credit card, and ComplyAdvantage, an digital KYC & compliance solution. As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com. If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review. Thank you very much for joining us today. Please welcome, Michael Kent.

The OECD is actively working to promote fintech to its member countries.   Today, we're joined by Gert Wehinger, a Senior Economist at the Organization for Economic Cooperation and Development (OECD). In nearly 20 years at the OECD, Gert has worked on subjects including financial market structure and stability, economic policy and regulation, and engagement of the private financial sector.   Gert is the author of various publications, including numerous articles on financial markets and a book on high and chronic inflation and stabilization policies.    Currently, Gert is studying the impact of fintech and disruptive innovation in finance, in the context of economic growth, development and stability.   In this conversation, we explore the powerful potential of fintech to improve economic and social well-being in both developed and developing countries.   Connect with us via Twitter, Facebook, LinkedIn or www.bankingthefuture.com to continue the conversation.

Usama Fayyad is the CEO of Open Insights, a US-based data strategy and technology company. Usama also serves as CTO of Stella.AI a Mountain View, CA based, VC-Funded startup, and as Interim Chief Operations & Technology Officer for new, innovation-focused division of MTN, Africa's largest telecommunications provider. From 2013-2016, Usama was Chief Data Officer at Barclays. He remains active in UK banking as a special advisor to the Board of Nationwide, the world's largest building society. From 2004-2008, Usama was Chief Data Officer at Yahoo. Usama has a PhD in Computer Science and Engineering, and holds adjunct professorships and university advisory positions on three continents. As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com. Thanks so much for listening today. Please welcome, Usama Fayyad.

David Brear is one of the most prominent thinkers and doers in our industry. David is focused on addressing one of the biggest challenges in banking: driving technological innovation at large, incumbent organizations. David is CEO and co-founder of 11:FS, a FinTech consultancy that helps banks become truly digital. He's also cohost of FinTech Insider, a blockbuster podcast about FinTech and financial services. Named among the Top 100 Most Influential FinTech Leaders of 2016, David is one of the most recognized and influential people in financial services. David worked at Lloyds Banking Group and Aviva on large-scale digital transformations and then led Gartner's Global Digital Banking practice before starting 11:FS. As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com. If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review. Thank you very much for joining us today. Please welcome, David Brear.