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Most discussions about fintech spotlight disruption. Matt Gosden talks about what’s worth preserving—and how to modernize without breaking trust.
In this episode, we dive into the hidden complexities of innovating in pensions, wealth, and long-term savings.
👇 Timestamps
00:00 – Intro: Trust, Infrastructure & the Future of Pensions
01:04 – Defining “Meaningful Innovation” in a Regulated Industry
03:55 – Legacy Systems, Compliance & the Cost of Change
08:41 – The Real AI Bottleneck: Integration and Data
10:50 – Internal vs. Customer-Facing AI Use Cases
12:12 – Why Customer Guidance Matters More Than Advice
18:19 – Avoiding Costly Decisions with AI-Driven Guidance
21:45 – Building Roadmaps in a Fast-Tech / Slow-Industry World
24:15 – Overcoming the Herd Mentality in Financial Innovation
27:29 – Overlooked Opportunities in Pensions & Wealth
30:28 – Designing the Industry from Scratch in the Age of Agents
34:36 – Making APIs Agent-Friendly for the Next Generation of Services
Our guest:
Matt Gosden
Strategist & Enterprise Architect
Advisor on AI, Data, and Innovation in Financial Services
https://www.linkedin.com/in/matt-gosden-ins

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