Banking on Air

#20 Islamic finance with Syed Musheer Ahmed (FinStep Asia)

Wed, 25 Nov 2020 01:00:00 GMT

What does the concept ‘Islamic finance’ say to you? Is it solely pegged to a religion from the Arab world? In this episode, we want to shed some light on this fascinating topic, cut through some of the misconceptions, and tell you more about how this well-established, yet very different, banking culture works and what it has to offer.

In our third podcast hosted by Helene Panzarino, she talks to Syed Musheer Ahmed, founder of Finstep Asia and co-founder of Fintech Association of Hong Kong. Musheer shares his vast knowledge of Islamic finance, and explains the core foundations and principles that underpin banking for the Islamic community.

As Musheer highlights, even though Islam originated in the Middle East, it’s now very much a global religion with close to two billion followers all around the world. What‘s more, even though Islamic banks adhere to the core tenets of Islam, this doesn’t necessarily mean that Islamic finance is just for Muslims. The entire world can adopt and benefit from these practices with their strong ethical base: where ‘money’ is seen as a means to exchange goods, and never as a way to generate ‘interest’, and both profit and risk should be shared.

Find out more about Musheer via his LinkedIn profile.

‘Banking on Air’ is the official Vacuumlabs podcast covering the challenges, opportunities, perspectives and opinions that matter to you and to our community. In this podcast, we are looking under the hood of the changing face of tech: the acceleration in all things digital, the impact of regulation (and disruption), the need for genuine collaboration – and the specter of competitors old and new as it plays out in fintech and financial services around the world.

This podcast is brought to you by Vacuumlabs – and we’re sharing our experience and expertise in creating solutions for the digital journey for professionals, community banks, and fintechs. We believe that the future is in communities when it comes to digital transformation in financial services, and we invite you to join us and our guests over the coming weeks and months.

And don't forget to subscribe!

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#19 Deal-breakers for banks with Donald Hawkins (Boulevard)

Wed, 18 Nov 2020 02:00:00 GMT

Why are neobanks born, and what is the key for success in the banking industry? The answers are twofold: fulfilling specific community needs, and focusing on a relationship with customers. Without those, their position on the market is endangered.

Listen to our second podcast installment hosted by Helene Panzarino. With her guest Donald Hawkins, Helene explores the topic of community banks and relationships between banks and clients. Donald, as a founder of the first neobank for black Americans in the US, openly talks about the situation black people are in the US. Facing oppression from a number of angles (educational, financial literacy, employment), Donald wanted to help them. To do so, he discusses how he created Boulevard, a neobank that serves the specific needs of black Americans; and equally, he explains why there cannot be one bank for all minorities.

Another topic discussed by Helene and Donald is the changes in the market – in shifting from physical to virtual ways of communication, banks need to keep up with changes and focusing on establishing and maintaining good relationships with their clients. In short, their focus needs to move from transactions to relationships. Features are not the winning turnpoint anymore. In such a saturated market, not being able to address a younger audience is a one-way ticket to bankruptcy.

Learn more about Donald Hawkins and his career via his LinkedIn profile.

We’re making this series so we can share our experience and expertise in creating solutions for the digital journey for incumbents, community banks, and fintechs. We believe that the future is in communities when it comes to digital transformation in financial services, and we’ll be sharing our thoughts with you, but also getting your together with our guests.

And don't forget to subscribe!

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#18 Fintech and innovation with Nektarios Liolios (The Future Farm)

Wed, 11 Nov 2020 03:00:00 GMT

Fintech and innovation go hand in hand. But how do big financial institutions respond to the need to innovate? Do they get this right? Frustratingly, the answer is often “no.”

Listen to our first podcast installment hosted by Helene Panzarino. Helene is in business conversation with Nektarios Liolios, and he opens up about his thoughts and his wealth of experience of financial innovation in practice based on his time working with the banking sector.

Nektarios was there on the ground when fintech first began garnering momentum and its commercial relevance first came to the fore, and he co-founded the first accelerator program for startups.

Yet Nektarios tells us that he recently stepped back from this industry. What prompted his decision? He says he found it too frustrating to stand by and watch big institutions take the wrong approach to innovation: with their teams so often knowing what they should be doing, but not following through with the action required to implement an effective program. Innovation needs an effective strategy behind it – and the right approach. Established banks didn’t want to accept this framework needed to be in place for innovation to happen.

Learn more about Nektarios Liolios’ journey in fintech via his LinkedIn profile.

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#17 Responsible banking with Mathias Wikstrom and Johan Pihl (Doconomy)

Wed, 04 Nov 2020 00:00:00 GMT

Solving environmental issues with Doconomy financial service tools? Yes!

Listen to this episode where Mathias Wikstrom (CEO) and Johan Pihl (Founder and Head of Innovation) at Doconomy discuss how they brought to market a credit card that enables its users to behave more sustainably.

Finding an intersection between banking services and decreasing CO2 emissions might seem impossible at the first sight; But Mathias and Johan decided to pull these threads together and in turn, create a new market. Doconomy not only puts a limit on customers’ credit cards using CO2 emissions to make their purchases more conscious – but they also created the 2030 Calculator, a resource that allows anyone to assess the environmental impact of their purchases.

It’s an incredible journey – and one that involved some unexpected steps to help them to reach their long-term goal: a more sustainable planet for everyone.

Find out more about Doconomy at https://doconomy.com or get in touch with Mathias and Johan through LinkedIn.

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This episode was hosted by Marcel Klimo from Vacuumlabs. Listen to the original podcast episode on Apple Podcasts, Breaker, Google Podcasts, Overcast, Pocket Casts, Spotify, or here:

And don't forget to subscribe!

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#16 Banking on Air introduction w/ Helene Panzarino & Marcel Klimo

Tue, 03 Nov 2020 13:32:13 GMT

Banking on Air is here! A new podcast concept, brought to you by Helene Panzarino & Marcel Klimo from Vacuumlabs, is covering the challenges, opportunities, perspectives and opinions that matter to you and to our community. We’re making this series so we can share our experience and expertise in creating solutions for the digital journey for incumbents, community banks, and fintechs. We believe that the future is in communities when it comes to digital transformation in financial services, and we’ll be sharing our thoughts with you, but also getting your together with our guests. Talk to you soon!

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#15 War stories with Peter Murray (W2 Global Data)

Wed, 23 Sep 2020 06:37:43 GMT

On this episode of Banking in Air, we talk with Peter Murray from W2 about changing needs of identity verification and anti-money laundering across the world, so that you can understand who your customers are across the world.

Here is a quick rundown of the episode:

0:19 What is KYC, AML and ID&V
1:50 How and why you might need W2
3:40 Changing business models in the industry
4:30 Recent payment companies using W2 tech
6:17 Global reach of KYC, AML and ID&V
7:19 Impact of COVID on the market
8:08 Key takeaways from Pay 360 conference
9:18 Contact information

Important links:

Website: https://www.w2globaldata.com/
Twitter: https://twitter.com/w2globaldata
Linkedin: https://www.linkedin.com/company/w2globaldata/

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Peter Murray is currently Group Head of Sales at W2 Global Data. He has expertise in emerging data and evolving Tech solutions and how they best align to increase engagement, drive business growth, enable regulatory adoption and ensure a safe and secure environment for all. You can reach him on Linkedin: https://www.linkedin.com/in/idpetermurray/

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Banking in Air podcast explores the lives and journeys of founders and technology leaders as they work to overcome challenges while building products in an ever-changing world. Hosted by Marcel Klimo of Vacuumlabs.

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#14 War stories with Dr. Jaijit Bhattacharya (ZUP SoftPOS)

Wed, 16 Sep 2020 00:00:00 GMT

In this episode of Banking in Air, we talk with Jaijit Bhattacharya from Zerone Microsystem about the Indian payment card market and how his mobile POS is empowering millions of merchants to now accepts payments in a country, which nearly doubled the total number of cards in just a few months.

Here is a quick rundown of the episode:

1:36 ZUP POS introduction
2:11 How merchants use the POS
2:42 POS penetration in India
3:27 Is this just for low income mechants?
4:05 Changes after government helped introduce millions of cards into the market
5:50 Why they are not supporting iPhone as a design decision
6:45 Whitelabel SDK for software developers
7:34 How to get started with ZUP SoftPOS

Useful links from episode:

ZUP website

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Dr. Jaijit Bhattacharya is a noted expert in Societal Transformation leveraging technology. He is CEO of the cutting edge Fintech startup, Zerone Microsystems Pvt. Ltd and also Honarary President of Centre for Digital Economy Policy Research. He is former Head, Centre for Fourth Industrial Revolution in India, World Economic Forum and the former Head and Partner, Economics and Policy Practice, KPMG. He is recipient of the prestigious APJ Abdul Kalam Award for innovation in governance. Dr. Bhattacharya is in the of Board of IIM Calcutta Innovation Park and is member of Governing Senate of IIIT Raipur, Member of Expert Committee for Ease of Doing Business legislation of Government of India, co-chair of Expert Committee on Skill Development for Deity, Government of India and Convener for Economic Standards for Smart Cities, BIS, Government of India. He also led KPMG’s contribution to the report on Ranking of States on Ease of Doing Business by DIPP. Dr. Bhattacharya also worked on the restructuring of the Indian Airforce as part of the Shekatkar Committee report. He has earlier worked in senior roles in Accenture, IBM, Oracle, Sun Microsystems and HP. He has been responsible for the creation of the next generation of solutions for governments, based on open standards. Dr. Bhattacharya advises governments on policy and e-governance strategies. He has conducted trainings for ADB institute in Tokyo and has helped World Bank develop curriculum for their e-Leadership program. He is deeply involved in Technology Policy making for the Indian Army and has coined the term “Technological Sovereignty”, based on which he runs a National Conclave on Technological Sovereignty for the Indian Army and Centre for Land Warfare Studies. He also delivers invited lectures at INSEAD Singapore campus, IIT Roorkee and at IIM Calcutta. Dr. Bhattacharya has developed business models and strategies for leading companies in the IT, media and computer hardware industries. He has numerous research papers to his credit in leading journals and conferences. He has authored five books on e-Governance, including being the co-author of the first book on e-Governance in India, ‘Government On-line – Opportunities and Challenges’.

Email: jbh@zup.cash

Google Play (India Only): https://play.google.com/store/apps/details?id=com.zup.merchant

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#13 War stories with Angela Davies (Thames Technology)

Thu, 10 Sep 2020 08:08:42 GMT

In this episode of Banking in Air, we talk with Angela Davies from Thames Technology about issuing cards and how biometric cards are the next generation of secure payment perfectly suited for the current world

Here is a quick rundown of the episode:

1:21 Introduction of Thames Tech
1:05 How does Thames Technology work and how did it get started?
3:16 Personalization of payment cards
4:42 Issue cards as a fintech or through a third-party issuer?
9:05 Payment via phone vs biometric card
10:19 Biometric payment cards are perfect for the COVID world.

Useful links from episode:

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Angela Davies is Head of Sales, Finance and ID at Thames Technology. If you want to find out more about Thames Technology and their products, you can find their website here: https://www.thamestechnology.co.uk

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#12 War stories with Dom Pym (Up Bank)

Wed, 02 Sep 2020 07:08:53 GMT

In this episode, we interview Dom Pym, co-founder of Up Bank about the open banking landscape in Australia, the launch of their banking API and how their focus on being a contrarian technology company has helped them bring features to market in record speed to become Australia’s first next-gen digital bank.

Here is just a small taste of how different Dom’s thinking is in the fintech product design industry and how they have managed to build something very unique:

“We actually take a contrary view: How does it feel when you sign up for Up? Does it feel easy or does it feel hard? If you got 20 clicks or a hundred clicks, it doesn't matter. I can reduce the clicks from 20 to 10 or five or one by putting all the fields on one screen, but it's a horrible experience and it makes you feel awful. So we take the opposite approach, this contrary approach, where we have an atomic design method, where we only ever asked the customer for one thing on a screen.”

Here is a rundown of the episode, if you want to jump ahead:

02:45 Partnering with Bendigo Bank to start Up
08:51 Open Banking in Australia
11:54 Over a 1000 people used Up API in first week
14:57 How they managed to launch Open Banking API so quickly by being a technology company first
24:20 Integrating with Transferwise to prevent complexity with SWIFT
25:51 What they would have done differently
27:49 Will Up turn into a superapp?
36:51 What’s the secret sauce? How are you so fast to market with great features?
45:42 Why they chose such a bold brand design
55:56 Find out how you can get your hands on a Up account and card

Useful links:

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Dom Pym has been involved in numerous start-ups and large scale Information Technology projects since the 90's, in Australia and overseas. Currently he is working on Up, Australia’s first next-gen digital bank, built from the ground up to help you spend wisely and save effortlessly.

Dominic is also a co-founder of Ferocia, an extraordinary technology team re-imagining Internet banking (launched in 2014 with Bendigo Bank), Pin Payments (Australia’s first all-in-one online payments platform) and Clear Interactive (acquired in 2009 by NZX, operators of the New Zealand Stock Exchange and electricity markets).

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War stories episodes in Banking in Air podcast explores the lives and journeys of founders and technology leaders as they work to overcome challenges while building products in an ever-changing world. Hosted by Marcel Klimo of Vacuumlabs.

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#11 War stories with Brano Vargic (Home Credit Vietnam)

Wed, 26 Aug 2020 00:00:00 GMT

In this episode, Brano Vargic talks with Marcel about the fintech scene in Southeast Asia, hypergrowth of the local market and gives tips on how to get started in the region as a company coming in from Europe or the Americas. Brano is currently the COO of Home Credit Vietnam, a quick loan, financing and credit card company originally from the CEE, which expanded into Southeast Asia.

Here is a rundown of the episode, if you want to jump ahead:

01:00 Moving from HR into banking and fintech
02:37 What surprised in you in Vietnam?
04:17 Business model for Home Credit in the region
07:16 How the massive size of the local market is different from European scale
11:42 Innovation is not coming from Europe!
13:25 Popular fintechs in the region
15:53 Importance of gamification and play
19:06 Moving to online support center and chat to keep up with demand
24:10 Tips for fintechs coming to Vietnam
25:43 Story about local sandwich stand using mobile payments

Useful links from episode:

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Brano Vargic is currently COO of Home Credit Vietnam - is a senior business leader with cross-functional and cross-cultural experiences in finance, fin-tech, banking and strategy consulting, with history of executive roles in HR, Operations, M&A, Digital projects and Business Development in Central Europe and in Asia. He is a Fin-tech and digital transformation enthusiast who “continuously opens digital bank accounts just to learn and evaluate CX as a hobby”. Brano is true believer in job rotations - as he says - "diversity of my roles in organisations taught me to understand deep interdisciplinary dependencies of different company areas and helped me to shape who i believe I am today as a leader - kind but sharp, emphatic but straightforward, agile but strategic.” Brano has also spent 15 years in academia; he is refereed journal published writer and researcher and has long history of lecturing in various MBA programs in Europe and United States. He is 45, married and has 3 kids :)

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#10 War stories with Paul Taylor (Thought Machine)

Wed, 19 Aug 2020 07:54:53 GMT

In this episode, we speak about the cloud, banking, and complexity of the system. Switching his career from speech to banking, Paul reveals his insights on establishing a successful company and challenges that need to be overcome.

Here is a rundown of the episode, if you want to jump ahead:

01:00 What is Thought Machine?
5:00 Building Mox bank in Hong Kong
7:20 What was the starting point of Thought Machine?
13:00 How does the complexity of the banking system work?
16:55 How did Paul shift from speech industry to establishing a banking company
21:10 Why shift to cloud banking wasn’t made earlier?
24:50 How is staying at home affecting the way they operate a business?
29:20 Is there something they would do differently?
30:30 How did they come up with the idea to start a gaming division?

Useful links from the episode:

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Paul Taylor founded Thought Machine in 2014 because he wanted to use the same cloud technology he was exposed to while at Google to solve the banking industry’s legacy infrastructure problem. He believed something needed to be done about the way most banking systems were so cumbersome and awkward, not to mention deeply frustrating and practically useless for millions of end-users.

Thought Machine’s core banking engine Vault was born in the spring of 2015 to liberate banks from archaic legacy systems. Will Montgomery wrote the code while Paul acted as a product manager – setting and guiding the overall direction of the system – a role he still plays today.

Prior to Thought Machine, Paul founded two software companies, Rhetorical Systems, and Phonetic Arts, and both were acquired by global software companies, Nuance, and Google. After Phonetic Arts was acquired by Google in 2010, Paul joined Google to lead a team of engineers responsible for launching the pioneering text-to-speech system in 2012. This system still provides the basis for all of Google’s speech output, including driving directions, voice search, and accessibility to machine translation. The system has been installed on more than a billion phones since 2012.

Paul is the published author of Text-To-Speech Synthesis, lecturer in Linguistics at Cambridge University, and director of the Centre for Speech Research at Edinburgh University.

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#09 War stories with Michal Smida (Twisto)

Wed, 12 Aug 2020 08:46:36 GMT

In this episode, we talked about Buy now, pay later service which has a big potential in CEE region. Also, Michal shared history and challenges of Twisto as well as his predictions for future.

Here is a rundown of the episode, if you want to jump ahead:

0:45 what is Twisto

4:00 How are they mitigating risk at Twisto?

3:30 how was Twisto name and

7:45 how did they come up with Twisto name & whole business idea

9:15 reasoning behind buy now, pay later service

14:45 benefits of buy now, pay later for customers

16:15 future of buy now, pay later service

19:30 selling NIkita & collaboartion with other companies

21:15 Twisto collaboration with Va cuumlabs

25:00 challenges of first half of 2020

27:00 Fintech in 10 years

33:00 challenges Twisto is facing and goals for the near future

Useful links from episode:

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Michal is the founder and CEO of CEE based FinTech Twisto and a member of Forbes 30 under 30. He lived 11 years abroad in Russia, UK and the US. He began his career in London where he joined Barclays investment bank after graduating from King’s College. When he returned to the Czech Republic in 2013, he founded Twisto – the first “buy now, pay later service” in the CEE region which evolved into daily finance provider partnering with MasterCard and Marqeta. Twisto has more than 120 employees and is backed by leading investors such as ING Ventures, UNIQA Ventures, Velocity Capital, Finch Capital and ENERN.

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#08 War stories with Monika Nemeth (Fintech Zone)

Wed, 05 Aug 2020 09:16:31 GMT

In this episode of Banking in Air, we speak with Monika Nemeth about her transition from the telco sector into finance and payments. The fintech and banking sector is going through a massive opening and renaissance due to open banking regulation like PSD2 and instant payment schemes. This is going to transform business processes and bring completely new players into the market. Monika talks about her experiences in the telco industry and how she now uses it to help fintechs and banks succeed in this new world.

Here is a rundown of the episode, if you want to jump ahead:

01:00 Introduction and background in the telco industry
3:33 Transmitting from telco to payments industry and fntech
5:45 Fintech is going through the same liberalization telco did a decade ago
7:20 Instant payments and 5-seconds transfer rule in Hungarian market
12:15 How instant payments and open banking will transform SME business
14:30 Growth of Hungarian Fintech scene
17:40 Tips for fintechs which want to work with corporates
22:00 Projects Monika is really proud of creating
27:15 What Monika would put on a billboard in her hometown

Useful links from episode:

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After working at Magyar Telekom where she was responsible for regulatory issues and managed several business development projects for 20 years, Monika Nemeth joined the Ministry of Development for a short period of time. At the Ministry she created the development strategy of the telecommunication sector in cooperation with the market players. In 2015, she moved to fintech and co-founded FinTech Group, where she is focusing more on the new regulatory topics in fintech and also on organizing FinTechShow and PayTechShow.

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War stories episodes in Banking in Air explores the lives and journeys of founders and technology leaders as they work to overcome challenges while building products in an ever-changing world. Hosted by Marcel Klimo of Vacuumlabs.

Hosted on Acast. See acast.com/privacy for more information.

#07 War stories with Sheel Mohnot (Better Tomorrow Ventures)

Wed, 13 May 2020 08:16:44 GMT

Sheel is co-founder of Better Tomorrow, a seed stage VC firm investing in Fintech companies globally. His own startup experience includes 2 successful FinTech exits – a payments company and a high-stakes auction company, and he is GP of the 500 Fintech fund. He formerly worked as a financial services consultant at BCG and started his FinTech career at the non-profit p2p lender Kiva.

In this episode, we speak about investments, banking and its future. Sheel shares his vast experiences in the field and reveals his strategy behind identifying successful startups.

Here is a rundown of the episode, if you want to jump ahead:

01:05 Sheel’s own podcast inspired by the shark tank 03:09 Decision-making process of investing into a company 09:45 Future prediction - cases like Wells Fargo 11:55 What BWS stand for 16:15 Experiences of being a part of Groupon and Kiva.org 22:35 What Sheel wish he knew before starting investing

You can find Sheel on LinkedIn: https://www.linkedin.com/in/smohnot/

If you want to find out more about Better Tomorrow: https://www.better.vc/

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#06 War stories with Mary Alcantara (MKB Fintechlab)

Wed, 06 May 2020 10:32:32 GMT

Mary Alcantara is the Deputy Managing Director of MKB Fintechlab, Hungary's first fintech innovation lab and design competence center owned by MKB Bank. At Fintechlab, Mary leads the innovation team, brokers bank partnerships with startups and scaleups, and coordinates events and educational programming. She is passionate about open innovation, building ecosystems, and helping banks create superior experiences for their customers.

Mary has been a key player in the Hungarian startup ecosystem for the last 7 years. She is a founding partner of tandemLEAP, a business management company with offices in Budapest and New York City. She has consulted and mentored for many of Budapest's leading incubation and accelerator programs, including the Hungarian government's INPUT Program, and is a founding member of the Hungarian Business Angel Network. Mary received a Bachelor's Degree from Harvard University and an MBA from Central European University.

In this episode, we speak about startup environment in the fintech industry. Mary shares her vast experiences of working with young companies, what she think is the new normal and where is the industry heading.

Here is a rundown of the episode, if you want to jump ahead:

01:07 What is MKB and MKB Fintechlab 06:19 Does lockdown create opportunities for startups? 10:55 How Fintechlab chooses projects to support 15:50 Mary’s startups background before Fintechlab 20:00 Remaining human during breakdown and new normal 24:07 Difference between US and Europe and startups sustainability 36:12 Where is the industry heading now 38:40 What billboard would you put up at your hometown?

You can find Mary Alcantara on Linkedin: https://www.linkedin.com/in/mary3collins/

If you want to find out more about Fintechlab: https://fintechlab.hu/

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#05 War stories with Balazs Vinnai (W.UP)

Wed, 29 Apr 2020 21:10:23 GMT

Balazs Vinnai is a serial entrepreneur, investor and mentor for growth stage companies.He is currently the president of W.UP, which helps banks unleash the power of real-time data to understand and serve their customers better.

In this episode, we speak about how he got started in the industry when phones only supported WAP websites and how his vision for the future has guided him over the years. Balazs also shares some tips for those who want to disrupt the fintech industry but don’t know where to start.

Here is a rundown of the episode, if you want to jump ahead:

00:20 The story of W.UP begins 20 years ago
05:29 How cheques and cash still dominate the world
10:47 Know your bank customer in context using W.UP
19:20 Banks should be invisible
22:34 How to disrupt fintech today

You can find Balazs Vinnai on Linkedin: https://www.linkedin.com/in/balazsvinnai
If you want to find out more about W.UP: https://wup.digital

Apologies for audio issues, the connection was not great at times.

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#04 War stories with Brad van Leeuwen (Cledara)

Wed, 22 Apr 2020 17:45:57 GMT

Brad van Leeuwen is the COO and co-founder of Cledara. He enjoys creating things that make the world better. His personal mission is to try to understand things from first principles and move from there. Cledara's mission is to make SaaS scalable for the companies and people that use it. Cledara was named SaaStock SaaS Startup of the Year in 2018, is a member of Techstars London and is backed by Anthemis, one of the world's top fintech VCs.

In this episode we speak about embedded payments and how they will drive the future of fintech. We also talk about how the market might change

Here is a rundown of the episode, if you want to jump ahead:

02:50 Effect of coronavirus on fintech and startups
07:20 How has fintech changed since the last recession
15:23 Embedded finance as a pipe for innovation
18:10 What is Banking as a service
20:20 Brad's controversial opinions on challenger banking
32:13 What you wish you would have known about fintech when you got started
41:05 What billboard would you put up at your hometown?

You can find Brad van Leeuwen on Linkedin: https://www.linkedin.com/in/bradvanleeuwen

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Banking in Air podcast explores the lives and journeys of founders and technology leaders as they work to overcome challenges as they build products in am ever-changing world. Hosted by Marcel Klimo of Vacuumlabs.

Hosted on Acast. See acast.com/privacy for more information.

#03 War stories with Nick Kerigan (Barclaycard)

Wed, 15 Apr 2020 07:03:34 GMT

Nick Kerigan is a Fintech and Payments industry veteran, most recently at the role Managing Director - Future Payments at Barclaycard. His team has been responsible for designing and developing innovations such as the award-winning Grab+Go and Dine & Dash..

In this episode we talk about the UK fintech ecosystem helping out with the COVID-19 crisis, power of banking-as-a-service, co-branded cards for Batman fans and more. Listen until the end to hear Nick answer the billion dollar question: What is the future of payments and banking?

Here is a rundown of the episode, if you want to jump ahead:

01:50 Why banks like Barclays partner with fintechs
06:20 UK Fintech community helping out with Coronavirus relief
12:05 The power of banking as a service like Railsbank
20:45 Your bank transactions in Excel. Will this work?
26:44 Getting kids and teenagers to use banking
31:50 On getting a Batman card and the future of co-branded card
38:35 What is the future of payments and banking?

You can find Nick Kerigan on Linkedin: https://www.linkedin.com/in/nick-kerigan

Note: Apologies for the lower audio quality at times.

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Banking in Air podcast explores the lives and journeys of founders and technology leaders as they work to overcome challenges in am ever-changing world. Hosted by Marcel Klimo of Vacuumlabs.

Hosted on Acast. See acast.com/privacy for more information.

#02 War stories with Cristina Villa (Cledara)

Wed, 01 Apr 2020 10:56:38 GMT

On this episode of Banking in Air, we speak to Cristina Vila, the founder of Cledara. Cristina founded her company after seeing how painful managing software-as-a-service subscriptions was for other founders and their CFOs. Cledara empowers companies to manage all their subscriptions in one place, track budgets and have all invoices in one place.

We spoke about how the company got started and how she managed to build her very own "Friends of Cledara" community very early on. They helped her build the first minimum viable product, win "Best SaaS Startup of the Year" at SaaStock 2018 and then raise capital from Anthemis and BBVA to continue her journey and open up new opportunities. Listen until the very end to hear a radically simple phrase to help you overcome challenges and communicate better with people around you.

You can find out more about Cledara here: https://www.cledara.com

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Banking in Air podcast explores the lives and journeys of founders and technology leaders as they work to overcome challenges in am ever-changing world. Hosted by Marcel Klimo of Vacuumlabs.

Hosted on Acast. See acast.com/privacy for more information.

#01 War stories with Ivan Muck (ff.next)

Tue, 24 Mar 2020 23:25:14 GMT

On the first episode of Inside the Vacuum, we speak to Ivan Muck, the co-founder and CEO of Family Finances. Growing up in a family of musicians, he dreamed of becoming a professional drummer and ended up helping banks and fintechs understand the needs of millennials and teenagers.

Ivan speaks openly about the challenges they faced over the first few years and how co-founding the company with his brother Ferenc as product designer and their friend David as CTO has brought them together through shared values and passions. Ivan and Ferenc are actually not only brothers. They are triplets and you will find out more about their sister during the interview. Secret hint: She is also a musician!

You can find Ivan on Linkedin: https://www.linkedin.com/in/ivanmuck/

Family Finances: https://familyfinances.hu/en
Family FInances on Linked: https://www.linkedin.com/company/familyfinanceshu/

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Banking in Air podcast explores the lives and journeys of founders and technology leaders as they work to overcome challenges in an ever-changing world. Hosted by Marcel Klimo of Vacuumlabs.

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