In Season 5 of Fintech Files, our three hosts are traveling across the global fintech landscape, uncovering the most exciting stories from the world’s leading innovation hubs. From embedded payments to crypto, from financial inclusion to the future of millennial finance, they’re diving into the breakthroughs, bold ideas, and unexpected questions defining what comes next. We’ll be talking to founders and experts behind some of the brightest minds in the industry, exploring how financial techn ...
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Unlocking Agentic AI: Building Enterprise AI Agents with Salesforce’s Patrick Heinen
26:50
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26:50AI is accelerating across every industry, but how do you turn this hype into real operational value? In this episode, we’re joined by Patrick Heinen, Vice President of Solution Engineering at Salesforce, to explore how organizations can implement AI in a way that is practical, compliant, and scalable. Drawing on real-world examples, we examine how …
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Holiday Throwback: Eyal Sivan on Data, Innovation and Financial Inclusion
31:02
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31:02Happy Holidays Fintech Files listeners! As we look ahead to the new year, we’re revisiting one of our favorite episodes from Season 4 with Eyal Sivan, Mr. Open Banking. Eyal joins Fintech Files to discuss how open banking rose from the 2008 financial crisis to become a worldwide movement centered on competition, innovation, and transparency. With o…
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Leapfrogging Into the Future: Central Asia Goes Digital-First with Nika Kurdiani
24:05
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24:05How does a region skip the traditional path of banking entirely and jump straight into a digital future? Central Asia has become one of the fastest-moving digital banking regions in the world. In this episode, Nika Kurdiani, CEO of TBC Uzbekistan, reflects on what’s driving this rapid shift and how it’s reshaping competition, customer expectations,…
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Disrupting Traditional Payments: Abdulaziz Al Jouf on the Future of Fintech in the Middle East
19:35
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19:35What does it take to create payment infrastructure from the ground up in one of the world’s fastest-growing fintech regions? Recorded at Money 20/20 in Riyadh, PayTabs CEO and Founder, Abdulaziz Al Jouf, reflects on how the company helped establish one of the Middle East’s earliest fintechs. We explore the challenges of launching in a cash-reliant …
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The Future of Money Movement: Crypto Security and Payments with Michael Shaulov
25:24
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25:24Money moves digitally across invisible networks every day — but what actually carries it from one place to another? Fireblocks CEO Michael Shaulov joins us to unpack the evolution of digital payment rails; the networks and infrastructure that move money in our digital world. We explore how cybersecurity, blockchain, and new forms of currency are re…
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Redefining Wealth Management in Asia-Pacific: How Syfe Is Building Trust and Access with Dhruv Arora
30:11
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30:11How can wealth management become more intuitive, transparent, and accessible? Dhruv Arora, Founder & CEO at Syfe, a leading wealth management platform based in Singapore, shares how Syfe is redefining investing for the mass-affluent segment in Asia-Pacific. Drawing on his background in traditional finance, Dhruv reflects on building trust in emergi…
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Money Made Personal: Adrianna Adams on Financial Planning for Millennials and Gen Z
24:18
24:18
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24:18How can financial planning evolve from numbers on a spreadsheet to a tool for shaping life goals? Adrianna Adams, Head of Financial Planning at Domain Money, joins Fintech Files to explore how technology and new fee models are transforming the way millennials and Gen Z engage with their financial futures. Drawing on her journey into the field, Adri…
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How is Fintech reshaping the future of money?
1:52
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1:52In Season 5 of Fintech Files, our three hosts are traveling across the global fintech landscape, uncovering the most exciting stories from the world’s leading innovation hubs. From embedded payments to crypto, from financial inclusion to the future of millennial finance, they’re diving into the breakthroughs, bold ideas, and unexpected questions de…
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The Future of Fintech | Fintech Files Season 4 Finale
20:54
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20:54We’re wrapping up Season 4 of Fintech Files with a special episode reflecting on the past season, while also looking ahead to the future of fintech. Hosts Bianca, Nora and Annika dive into the trends they have seen shape the industry, from AI-driven transformation and the rise of digital banking to the growing focus on sustainability and financial …
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Interoperability in African Fintech: Throwback Episode with Alfred Mukudu from Amazon
32:07
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32:07We’re bringing back one of our favourite episodes from Season 3! We dive into the complexities and opportunities within Africa's financial services sector with Alfred Mukudu, Financial Services Go-To-Market Lead at Amazon Web Services (AWS) South Africa. With over 50 countries and about 42 different currencies, Africa presents a unique landscape fo…
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Open Banking for Good: Eyal Sivan on Data, Innovation and Financial Inclusion
29:46
29:46
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29:46How can allowing customers to “own” their data reshape finance for everyone’s benefit? Mr. Open Banking himself, Eyal Sivan, joins Fintech Files to discuss how open banking rose from the 2008 financial crisis to become a worldwide movement centered on competition, innovation, and transparency. With over 25 years in IT and banking technology, Eyal b…
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Celebrating International Women's Day: ERM’s Cynthia Salicrup and Sandra Carrillo on Sustainable Finance and ESG
33:39
33:39
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33:39What does it take to drive sustainable change across regions and bridge global disparities? To celebrate International Women’s Day, we’re highlighting the incredible contributions of women in sustainability and fintech with two accomplished leaders: Cynthia Salicrup and Sandra Carrillo, partners at Environmental Resources Management (ERM). Drawing …
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Supporting Startups and Payment Orchestration with Nader Abdelrazik from MoneyHash
27:15
27:15
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27:15How can entrepreneurs in emerging markets break the mold and foster economic growth amid unpredictability? In this episode, Nader Abdelrazik—founder of MoneyHash—shares how he navigated life during the Arab Spring, was motivated to become an economist, and ultimately built a fintech startup. Nader discusses the unique challenges of the Middle East …
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Season 3 Throwback: Empowering Finance through Financial Inclusion with Vera Futorjanski
33:24
33:24
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33:24In this special throwback episode, we revisit our Season 3 interview with Vera Futorjanski, Founder and CEO of Beyond Global and Veritas Ventures. How many globally lack access to banking? Astonishingly, one in three. In this insightful conversation, Vera Futorjanski, former Head of Communications at Rocket Internet and founding member of Dubai Fut…
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Inclusive Growth and Breaking the Glass Ceiling with Mastercard’s Subhashini Chandran
25:01
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25:01How do we achieve inclusive growth and break the glass ceiling? Subhashini Chandran, Mastercard’s SVP of Social Impact, Asia Pacific, Europe, and Africa, shares insights from her journey—from leading India’s largest tea business to driving global initiatives that empower women and foster equitable growth. With a deep understanding of systemic chall…
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Empowering SMEs in Brazil: How Dinie is Reimagining Credit with Suzy Ferreira
31:18
31:18
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31:18Suzy Ferreira, co-founder of Dinie, is on a mission to transform credit access for small businesses in Brazil. In this episode, Suzy shares her journey and the inspiration behind Dinie, an embedded lending fintech breaking barriers for SMEs. Discover how Dinie’s innovative, data-driven approach—embedding lending into platforms like iFood and levera…
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Holiday Throwback: Eve Morelli Shares Radicant’s Unique Approach to Transparent Digital Banking and Investing
31:59
31:59
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31:59Happy Holidays Fintech Files listeners! As a special holiday treat, we’re revisiting one of our favorite episodes from Season 3 with Radicant’s Eve Morelli. Eve Morelli, Head of Sustainable Transparency unveils Radicant's unique approach to sustainable finance. Discover how this Swiss digital banking startup integrates the UN Sustainable Developmen…
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Driving Decarbonization in Financial Services with CarbonSifr's Mustafa Bosca
26:08
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26:08How can the financial sector lead the way in global decarbonization efforts? In this episode, we sit down with Mustafa Bosca, Co-Founder and Chief Decarbonization Officer at CarbonSifr, to explore the pivotal role financial services play in combating climate change. We delve into how Mustafa helps banks and organizations measure, reduce, and remove…
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Making Mortgages Accessible: Housing Affordability and the EU Green Deal with Geert Van Kerckhoven from Oper
26:57
26:57
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26:57How can technology make homeownership more accessible while supporting Europe's climate goals? In this episode, we sit down with Geert Van Kerckhoven, co-founder of Oper, to explore the challenges of housing affordability in Europe and the impact of the EU Green Deal on mortgages. Geert discusses how technology can empower banks and loan advisors t…
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Bridging the Credit Gap: Financial Inclusion with Rajat Dayal from Yabx
24:57
24:57
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24:57How can we create credit histories for unbanked people? In this episode, we sit down with Rajat Dayal, CEO and Founder of YabX, to explore how his company is revolutionizing credit access in emerging markets. About 1.5 billion individuals and businesses have no access to credit or any other financial product. Rajat shares insights on leveraging alt…
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Harnessing AI and Finance for Sustainability with Anne Kleppe from BCG
26:55
26:55
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26:55How can financial institutions drive sustainability and responsible AI practices? In this episode, we sit down with Anne Kleppe, a leading expert in sustainability and responsible AI at BCG. Anne shares her insights on how banks and financial institutions can leverage their influence to promote sustainable practices, reduce their carbon footprints,…
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Democratizing Finance: Wealth Management with Akin Soysal from BCG X
26:23
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26:23What trends do we see in wealth management as the GenAI Era Unfolds? Akin Soysal is a global expert on digital investing and part of our BCG X leadership team in Europe, the Middle East and South America. Akin dives into the biggest topics disrupting financial management across the globe. How does Gen Z leverage retail investing for saving for reti…
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Financial Technology Meets Social Impact: Introducing Fintech Files Season 4
2:03
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2:03How can Fintech contribute to building a better world? In Season 4 of Fintech Files, we’re turning our focus to where financial technology meets social impact. This season, we explore financial inclusion, sustainable investing, and decarbonization with some of the brightest minds in the industry. As financial services touch every aspect of our live…
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We know that you’ve just been dying for more episodes of Fintech Files since we wrapped up season three, so we’ve decided to throw one final one in for you. This week we’re bringing you one of BCG’s other shows that covers Fintech as it relates to compliance and risk. BCG on Compliance is hosted by Hanjo Seibert, a leading expert in compliance, ant…
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Highlights from Season 3 of Fintech Files from BCG Platinion
23:25
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23:25Join hosts Nora, Annika, and Bianca as they wrap up the season with a special compilation episode of FinTech Files from BCG Platinion. This episode revisits the season's standout moments, featuring a diverse lineup of guests from around the globe. From the transformative power of generative AI to the challenges and opportunities of cloud transforma…
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Highlighting Saving and Financial Literacy with Reem Ikram, CEO and Co-Founder of Thriftplan
30:30
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30:30How financially prepared are you for retirement? It’s a question that too many people don’t think about until it’s too late. Reem Ikram, CEO and Co-Founder of Thriftplan is on a mission to change that. In this episode we’ll explore how Thriftplan is revolutionizing savings for both employees and employers, promoting long-term financial stability. W…
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Neobanking: The Digital Revolution for SMEs from the Step Conference in Dubai 2024
32:09
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32:09From the Step Conference in Dubai, February 2024, comes an insightful discussion on the transformative impact of neobanks on small and medium-sized enterprises (SMEs). Moderated by Annika Melchert, the episode features Meenah Tariq of Metric and Dyota Marsudi of Bank Aladin, who share their pioneering work in making financial management and banking…
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Breaking Barriers: Women in FinTech with Jacqueline O'Flanagan, Canadian Financial Services Industry Lead at Microsoft
30:32
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30:32Join us as we delve into the vibrant intersection of technology, finance, and diversity with Jacqueline O'Flanagan, the guiding force of Microsoft's financial services strategy in Canada. In this enlightening conversation, Jacqueline discusses the efforts to enhance women's roles in finance, the transformative power of AI in the sector, and Microso…
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This week on Fintech Files, we're bringing you 'In Her Element' from BCG. A show featuring conversations with women at the vanguard of business, digital, and technology. We're delving into how these powerhouse leaders got to where they are—covering everything from the joy of projects gone right to the realities of family responsibilities. In this e…
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Cloud for Value with Maxim Afanasyev, Financial Services Industry Lead at Google Cloud
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30:08How do we elevate our perspective of the cloud from merely a technological tool boosting efficiency, to a strategic ally that addresses key business challenges? Maxim Afanasyev, Financial Services Industry Lead at Google Cloud, shares his insights on the transformative approach of 'cloud for value' within the financial sector. This approach require…
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Interoperability in Africa's Financial Landscape with Alfred Mukudu, Financial Services Go-To-Market Lead at Amazon Web Services (AWS)
31:43
31:43
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31:43We dive into the complexities and opportunities within Africa's financial services sector with Alfred Mukudu, Financial Services Go-To-Market Lead at Amazon Web Services (AWS) South Africa. With over 50 countries and about 42 different currencies, Africa presents a unique landscape for financial innovation. Alfred shares insights into the critical …
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Navigating Compliance and Risk: The Crucial Role of Data with Camila Vicenci Witt, Chief Risk and Compliance Officer at InPay
33:10
33:10
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33:10How do companies combat financial crime and adhere to the strict regulations of our industry? Camila Vincenci Witt has unique insight as the Chief Risk and Compliance Officer at Inpay, a fintech specializing in facilitating cross-border payments. Camila shares the importance of data and data governance in compliance and risk, as well as highlightin…
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Season One Throwback with Solaris: “How the Latest German Fintech Unicorn Plans to Stay Ahead of Competition” with Dr. Jörg Howein, Former Chief Product Officer
30:01
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30:01In this special throwback episode, we revisit one of our favorite moments from Season One with a fintech titan, Dr. Jörg Howein, formerly the Chief Product Officer at Solarisbank. Since we last spoke with Jörg, Solarisbank, now known simply as Solaris, has continued its meteoric rise in the fintech world. In this engaging conversation, Jörg shares …
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Empowering Finance through Financial Inclusion with Vera Futorjanski, Founder and CEO of Beyond Global and Veritas Ventures
33:00
33:00
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33:00How many globally lack access to banking? Astonishingly, one in three. In this insightful conversation, Vera Futorjanski, former Head of Communications at Rocket Internet and founding member of Dubai Future Accelerators, shares her journey. Emphasizing the transformative role of technology, she explores challenges and strategies to enhance accessib…
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Happy New Year from your friends at Fintech Files! To kick off 2024 in style, we’re bringing you a throwback to our very first episode of 2023; “Revolutionizing the Future of Finance in the Middle East through Open Banking” with Emir Isik, Head of Business Development from Tarabut Gateway. We felt this was the perfect episode to kick off the new ye…
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As a special holiday treat for you, our listeners, we’re revisiting one of our favourite season 2 episodes. It’s “The Art of Navigating a Company Through Rapid Growth and Post-Merger Integration” – with Michael Stephan, COO and Co-founder of Raisin.” They are the first and only pan-European deposit marketplace. Since our 2022 episode, this Berlin-b…
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Gen AI for Financial Institutions: Navigating Regulation, Risk & Opportunities with Kirsten Rulf, Partner and Associate Director at BCG
31:47
31:47
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31:47How should banks navigate Gen AI's regulatory challenges? Kirsten Rulf, BCG Partner and Associate Director, shares key strategies and opportunities. As the former Senior Digital Policy advisor aka “nerd-in-chief” to Chancellor Angela Merkel, Kirsten played a key role in negotiating the EU AI Act. Now, Kirsten guides global Fintech clients in adopti…
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Sustainable Fintech: Eve Morelli shares Radicant’s Unique Approach to Transparent Digital Banking and Investing
29:45
29:45
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29:45What is the role of technology in aligning banking and investments with sustainability? Eve Morelli, Head of Sustainable Transparency unveils Radicant’s unique approach to sustainable finance. Discover how this Swiss digital banking startup integrates the UN Sustainable Development Goals (SDGs) into its framework, ensuring users can see where their…
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Welcome back to Fintech Files from BCG Platinion! In this special episode, "Meet the Hosts," we'll bring you up to speed on our latest endeavors since the last episode and introduce the newest member of our hosting team. Join us for a sneak peek into the exciting topics we're eager to explore this upcoming season. Host Introductions: Nora Hocke: Ma…
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Are you ready to unravel the most innovative trends disrupting the world of Fintech today? Join us on Fintech Files from BCG Platinion, where we delve deep into the dynamic landscape of Fintech, NeoBanks, and the Digital Banking world, sparking insightful conversations with industry disruptors from around the globe. Hosted by Nora Hocke, a manager …
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“Data Powers Finance” with Antonio Martinez from Snowflake
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34:08In this episode, the hosts Annika and Nora dive deep into the world of data with Antonio Martinez, Industry Solution Architect at Snowflake, the world's leading cloud-based data platform. We explore how data has become the lifeblood of the finance industry enabled by Snowflake's cutting-edge technology and advanced data analytics possibilities. Ant…
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“International Women’s Day: Embracing Equity in Banking”
27:51
27:51
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27:51In celebration of International Women's Day, Nora and Annika are joined by two BCG colleagues and renowned leaders in the financial institution's space, Claudia Rasper (Partner) and Jan Koserski (Partner & Managing Director). Together, they co-authored BCG’s "Gender Equality in the European Banking Industry" report, which explores the current state…
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“Revolutionizing the Future of Finance in the Middle East through Open Banking” with Emir Isik, Head of Business Development from Tarabut Gateway
26:28
26:28
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26:28Welcome to the world of open banking! In our first episode of 2023, we dive deep into the buzzword that’s taking the financial world by storm. What is open banking? Why is it relevant? And how is it transforming the finance landscape in the Middle East? Join Emir Isik, Head of Business Development at Tarabut Gateway, the largest open banking platfo…
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“Credit Meets Climate: The Role of Banks in Fighting Climate Change” with Hugh Shannon, Head of Sales & Customer Success at OakNorth
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43:28OakNorth has rethought credit decisioning with their data-centric credit intelligence platform. Even more interestingly, their first real-life reference was their own bank. Be it the bank or the software provider, both OakNorth companies share a common focus topic: climate change. Listen in to learn what banks can do to address this global matter n…
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"Modern Fintechs Are Born in the Cloud” with Anton Langbroek, General Manager DACH & CEE at Mambu
35:15
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35:15Hardly any other fintech is tied as strongly to the terms “next-gen core banking” and “cloud first” as the unicorn Mambu. Bringing in broad experience across the fintech and banking ecosystem, Mambu General Manager Anton Langbroek shares his views on modern versus traditional core banking systems. What are the implications of a modern core banking …
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“Finding the Sweet Spot in B2B Payments: Mondu and Its ‘Buy Now, Pay Later’ Offering” with Philipp Povel and Malte Huffman, Co-Founders and Co-CEOs of Mondu
38:33
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38:33While other “buy now, pay later” players are laying off employees to make up for increasingly pessimistic market expectations, the Berlin-based fintech Mondu just raised €40M in funding. We met with the two co-founders, Malte Huffman and Philipp Povel, and asked them about their secret recipe for building yet another successful start-up, the challe…
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“UpLyvt and Their Plan to Unlock Women’s Financial Health” with Alexa Cotiaux, Cofounder of UpLyvt
29:34
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29:34We invited Alexa Cotiaux, cofounder of UpLyvt to our first live recording session ever that took place during an internal women’s event! UpLyvt is an early-stage fintech from Berlin that focuses on female wealth management and financial well-being. We chatted with Alexa about UpLyvt’s purpose and product vision and what role a low-code platform pla…
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“Why API-First Is Not Only Relevant for Fintechs” with Ove Kreison, CTO and Co-founder of Tuum
28:52
28:52
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28:52What makes an Estonian fintech cooler than a Californian one? Probably not just the weather! It’s time to get to know Tuum and its mission to help banks stay in the current digital age. Listen in on this episode with Ove Kreison, CTO and Co-founder of Tuum—formerly known as Modularbank—about what characterizes a state-of-the-art core banking system…
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“The Art of Navigating a Company Through Rapid Growth and Post-Merger Integration”—with Michael Stephan, COO and Co-founder of Raisin
28:46
28:46
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28:46The Berlin-based fintech unicorn Raisin has written quite a success story of organic and inorganic growth since it was founded in 2012. Starting with a “savings-as-a-service” offering, it has massively expanded over the years both in functionality and in markets. Most recently, it merged with its former competitor Deposit Solutions to grow even str…
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A warm welcome to the Fintech and Digital Banking Podcast hosted by Annika, Manager, and Nora, Senior Consultant, from the BCG Platinion’s Financial Institutions Practice. Join us as we uncover the best-kept secrets of neobank and fintech experts and learn what’s hot and what’s next on the tech side of banking. Any questions? Reach out to us: finte…
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