As the only podcast dedicated to open banking, our podcast strives to be one of the key voices in the global open banking community. The goal of the show is to educate people on how the world of finance is being shaken up by open banking, ultimately giving them more ways to save their money, move money around and improve their financial well-being. To those building open banking, we bring the unique perspectives of technology innovators, financial leaders and key influencers, as we aim to ac ...
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Eyal Sivan Podcasts
How 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 lives, the opportunity to drive positive change is enormous. About Fintech Files: Join us on Fintech Files from BCG Platinion as we explore the cuttin ...
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Live @ Money 20/20, Oct 2024 - The U.S. Cores
42:23
42:23
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42:23In the final episode recorded live from Money 20/20 in Las Vegas, Nevada, Eyal sits down with leaders from the the three major U.S. core banking providers: Hashim Toussaint, General Manager of Digital & Open Banking at FIS; Chad Killingsworth, Head of Engineering at Jack Henry; and Sunil Sachdev, SVP, Head of Embedded Finance at Fiserv. Among them,…
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Live @ Money 20/20, Oct 2024 - Mr. Open Banking & Friends
58:18
58:18
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58:18Recorded live at Money 20/20, 2024 in Las Vegas, Nevada, Eyal is joined by three leading voices from the open banking community whom he knows rather well: Michelle Beyo, CEO & Founder of Finavator; David Birch, Author, Advisor and Principal at 15Mb; and Don Cardinal, Senior Vice President at the Financial Data Exchange. Together, they examine how o…
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The Future of Fintech | Fintech Files Season 4 Finale
20:54
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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Live @ Money 20/20, Oct 2024 - The Aggregators
1:06:32
1:06:32
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1:06:32Recorded live at Money 20/20, 2024 in Las Vegas, Nevada, Eyal is joined by the open banking leads from three major US aggregators: John Pitts, Head of Policy at Plaid; Jane Barratt, Chief Advocacy Officer at MX; and Anil Mahalaha, Chief Evangelist at Akoya. Aggregators, sometimes called data access networks, provide third parties with connectivity …
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Interoperability in African Fintech: Throwback Episode with Alfred Mukudu from Amazon
32:07
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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Does the United States have open banking? Well, that depends on how it’s defined. If that definition is less about regulation and more about the adoption of a common technical standard for the secure exchange of financial data, then the U.S. is considerably further along. Much of this progress is due to the Financial Data Exchange (FDX), a private …
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Driving Decarbonization in Financial Services with CarbonSifr's Mustafa Bosca
26:08
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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Open banking aims to revolutionize data sharing by giving individuals full control over their data - deciding who can access it, for what purpose, and for how long. Instead of personal data being locked in silos and exchanged without consent by an opaque and precious few, this shift empowers people to gain value from their data for themselves, usin…
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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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Underlying open banking is an important assumption: That if you give the consumer all the information about what data is held on them and all the control over how that data is shared, that they will be better off. That they will use that information and control to make better decisions, decisions that benefit them. But is that actually so? Behavior…
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Democratizing Finance: Wealth Management with Akin Soysal from BCG X
26:23
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
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 are living through a period of unprecedented technological change, an era that has been dubbed the Fourth Industrial Revolution. Building upon the previous three, this current transformative era is marked by the convergence of advanced technologies, such as robotics, AI, IoT and blockchain, that together are reshaping both industries and society…
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Imagine a world where financial services are no longer separate, daunting entities but seamlessly integrated into the digital experiences you know and love. A world where buying a car, booking a trip, or even grabbing a coffee means having instant access to personalized financing options, secure payments, and innovative insurance solutions. This is…
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The open banking community has long believed the path to open data starts with open banking. The general idea is that the common standards used to share banking data will inevitably expand in scope, leading to open data standards which will eventually cover all sectors of the economy. Australia, unique among open banking regions, has been on that r…
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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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To date, the United States has taken a staunchly market-driven approach to open banking, and has been doing so for decades. But all that is about to change: the U.S. has now begun their own journey towards regulated open banking, with the Consumer Financial Protection Bureau (CFPB) introducing a new regulation to solidify and protect Personal Finan…
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Highlighting Saving and Financial Literacy with Reem Ikram, CEO and Co-Founder of Thriftplan
30:30
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
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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The growth of open banking is historically driven by environmental factors. In environments marked by wealth inequality, or a lack of trust in traditional finance, open banking flourishes as a promising alternative. Conversely, in stable environments, it often stagnates, viewed as a needless risk. Canada, known for its risk aversion, exemplifies th…
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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
30:08
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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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To make open banking work the way it is meant to, you need three major building blocks; data exchange, payments and digital ID. While many countries are working on these pieces, there is really only one place that has already built them all, into a fully-integrated, cohesive whole, at population scale: India. In the season four finale of Mr. Open 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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Europe, widely considered the birthplace of open banking, has been on a journey to digitize their financial system for over 20 years. In this episode, we speak to a guest who has been on that road since the beginning, at the nexus of finance, technology and regulation. Dr. Ruth Wandhöfer has been instrumental in shaping the future of finance in Eur…
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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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What defines the value of a thing? Is it a question of utility, aesthetics, rarity, emotional connection, or a combination of all these aspects? When it comes to digital assets, this question becomes even more complex, as evidenced by the rise and subsequent fall of NFTs. Beyond just digital, The continued evolution of Web3 and DeFi has now set the…
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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 fuels our digital lives, helping us make decisions, build relationships, and stay organized. To achieve these goals, we willingly share our personal data with various service providers, who give us search engines, social networks and e-commerce. But somewhere in the bargain, those providers encroached far beyond what the typical user understoo…
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For most people, wallets are a staple accessory of their everyday lives. Yet today, the analog wallet is disappearing, to be replaced, like so many other things, by its digital twin. Digital wallets are now a reality and, like their physical predecessors, they will become an intrinsic part of our lives, so making sure they are built the right way i…
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Open banking is often cast as an antidote to the dominance of big banks. Given that its origins stem from the Great Financial Crisis of 2008, this perspective is not terribly surprising. But is this characterisation a fair one? Does open banking have to be a threat to big banks, or can it be turned into an opportunity? To answer these questions and…
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It’s no secret that global banking is experiencing some macroeconomic headwinds. Bank failures and consolidations continue to spread, albeit slowly. The question then becomes: How do these negative trends influence the direction of open data? Marie has been studying open consented data sharing since 2016. Through her current role as Open Futurist a…
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