FinTech Scotland
43 episodes - English - Latest episode: 6 days ago -Hear about the great fintech innovations in Scotland, news on the sector from our partners in Scotland, the UK and all around the world.
Voted Top 35 Fintech Podcasts in 2021 by Feedspot
https://blog.feedspot.com/fintech_podcasts/
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Episodes
Discussion with ESG Leaders on regulation
July 09, 2024 13:21 - 18 minutes - 17.3 MBIn this episode we speak with Mark Hadfield from "Meet the 85%", Manuel Maqueda from Harvard University, strategic adviser Max Nokhrin and Victor Milligan from Cairnbridge Advisors about the current state of ESG and associated regulations. What are their insights and recommendations? What the FinTech Scotland's Financial Regulation Innovation Lab can deliver and their hopes for the programme.
Shaping the Future of ESG in Financial Services
July 03, 2024 11:18 - 11 minutes - 10.4 MBIn this episode Richard Nicol from the Phoenix Group and Tom Mcfarlane from EY speak to us about the ESG challenges they are facing and why they decided to join the Financial Regulation Innovation Lab programme to find solutions to those challenges as well as what they are looking for with applicants. To apply for this innovation call visit this page.
The Financial Regulation Innovation Lab: Lessons and advice from the first Innovation Call
June 17, 2024 10:27 - 19 minutes - 17.9 MBIn this podcast, our partners at Label Sessions interviewed Antony Brookes and Ruairidh Patfield from abrdn to hear about their experience of getting involved in the Financial Regulation Innovation Lab's first innovation call. Alongside Tesco Bank, Virgin Money, Morgan Stanley and Deloitte they worked with the University of Glasgow and the University of Strathclyde to reshape financial compliance through AI and emerging technologies. Calling fintechs from around the world to get involved ...
Special Money2020 - Interview with Predictiva
June 06, 2024 11:37 - 21 minutes - 19.5 MBWe're at Money2020 and we sat down with Maysara Hammouda, Founder and CEO of Scottish fintech Predictiva. We spoke about his solution that uses AI in the trading sector, his views on the future of AI and the future of trading and the real benefits and challenges poised by the development of AI.
Special Money2020 - Interview with Appointedd
June 06, 2024 10:27 - 23 minutes - 22 MBIn this episode we spoke with Megan Grant from Edinburgh-based fintech Appointedd about Consumer Duty and the role that new innovative technologies can play in supporting established financial firms meet those new requirements. At the end we also mentioned Megan's next challenge, swimming the channel to raise money for charity. To support her follow this link. https://www.justgiving.com/page/megan-grant-channel-swim
Simplifying Compliance with AI
April 22, 2024 15:37 - 33 minutes - 31.1 MBIn this episode, we explore the role of Artificial Intelligence (AI) in streamlining compliance within the financial sector, showcasing the Financial Regulation Innovation Lab. We discuss the future of financial compliance, enriched by AI's capability to automate and innovate. This episode is for anyone interested in the intersection of technology, finance, and regulation, offering insights into the collaborative efforts shaping a more compliant and efficient financial landscape. Guests: ...
Fintech - a force for good
March 13, 2024 15:11 - 29 minutes - 41.1 MBEpisode recording with Fintech Australia. Fintech has emerged as a transformative force in the financial sector, offering innovative solutions that not only enhance financial services but also address broader societal issues, including environmental sustainability, customer vulnerability, and overall financial well-being. Those objectives are heavily featured in the Research & Innovation Roadmap that we published 2 years ago. In Scotland, we have an important number of fintechs addressing...
Raising Series A and Beyond
November 28, 2023 12:50 - 31 minutes - 29.2 MBIn the ever-evolving landscape of fintech, securing Series A investment is a crucial milestone. Raising investment is much more than just about the money and we’re going to explore what that means in this episode. We will delve into the crucial stage of Series A fundraising for fintech companies and speak about investor mindset, pitching, challenges and pitfalls. This episode is for fintech entrepreneurs gearing up for Series A, investors keen on the latest trends, and anyone curious about...
Scotland Fintech Festival - Episode 4 - Smart Data Foundry
November 07, 2023 14:15 - 9 minutes - 9.25 MBDuring this special episode of Fintech Scotland's Podcast we recorded live from the Fintech Summit, the opening event of Scotland Fintech Festival that took place between the 21st of September and the 12th of October 2023. In this episode we spoke to Bryn Coulthard, Chief Product and Technology officer at Smart Data Foundry. We discussed the role of data as an enabler for collaboration between fintech firms and established financial firms. More specifically we looked at synthetic data to i...
Scotland Fintech Festival - Episode 3 - Phoenix Group
November 01, 2023 11:16 - 11 minutes - 10.2 MBIn this special fintech festival episode Fintech Scotland and Findr spoke with Rebecca Midgley, Innovation Manager, at the Phoenix Group. We spoke about their innovation forum, how they partner with fintechs and how they are looking to tackle societal issues such as the gender saving gap.
Scotland Fintech Festival - Episode 2 - Snugg & TSB
October 24, 2023 09:14 - 12 minutes - 11.5 MBIn this special 2023 Scotland Fintech Festival episode we spoke with Mike Teall, Co-Founder and Chief Commercial Officer at Scottish fintech Snugg and Adam Betteridge, Partnerships and Open Banking Lead at TSB. We discussed TSB Innovation Labs that saw Snugg secure a partnership with TSB, helping the bank's customer make their homes greener. We focus specifically on what makes for a good collaboration between established financial firms and fintechs.
Special Scotland Fintech Festival 2023 - Nicola Anderson, CEO at FinTech Scotland
October 18, 2023 12:34 - 18 minutes - 17 MBScotland Fintech Festival took place between the 21st of September and the 12th of October. With over 50 events the festival was a real success this time again. During the launch event, the Fintech Summit, we recorded special episodes in collaboration with collaboration platform Findr. In this episode we speak with Nicola Anderson, CEO at Fintech Scotland about the festival itself as well as initiatives that are underway, delivering the recommendations of the UK Research & Innovation Roadm...
How Open Finance is revolutionising lending
August 03, 2023 10:40 - 30 minutes - 28.5 MBLending money is a process that has long been around and for many years it was left undisrupted. People are very familiar now with credit scores and the idea that to get credit you need credit. New solutions and technologies are coming to disrupt this market to make financial products more accessible to a greater number of people. In this episode we’ll look at how Open Finance is changing the status quo and look at some fantastic examples of fintech innovation. We’ll also look at how cred...
By Now Pay Later 2.0, what it means for fintechs and financial services providers
June 28, 2023 08:42 - 22 minutes - 20.7 MBBy Now Pay Later is not something new. Offline, it’s a process that goes back several decades. Online we’ve started to see offers develop in the last 10 years with a real acceleration powered by fintech innovation in the last 5 years. In the UK this market represents $27Bn and is expected to reach $55Bn by 2028 according to Payments Cards and Mobile. Recently we’ve started to witness the appearance of what’s called BNPL 2.0. According to CU today 61% of BNPL users would rather use a BNPL ...
Fintechs and DORA, everything you need to know!
May 30, 2023 13:55 - 28 minutes - 26.6 MBOn November 10th, 2022, the Digital Operational Resilience Act (DORA) was approved by the EU. It is designed to standardise IT risk requirements in the financial sector to ensure that all participants of the financial system are subject to a common set of. Amongst other things it introduces an oversight framework for critical third-party providers. In this podcast we will discuss how this new EU regulation can impact fintech firms that are very often providing 3rd party services to...
UK Fintech Week special - a chat on synthetic data with Smart Data Foundry
April 24, 2023 10:54 - 29 minutes - 26.9 MBIn this special episode with speak with David Tracy, Head of Data Science, at Smart Data Foundry on the week they presented their new Aisle proposition at Innovate Finance Global Summit. What is synthetic data is? How is it different from real-world data? We'll explore how it will speed up innovation and collaboration in the fintech world, what the risks and benefits are and much more. David will also speak to us about the work they've done with the FCA and the PSR to tackle APP fra...
Scaling Up - improving Resilience
April 13, 2023 14:40 - 32 minutes - 30.4 MBScaling up a fintech business is a crucial part of a company’s life, moving from launching and validating a proposition to growing, onboarding clients and driving revenue. At that stage companies will focus on marketing, sales, recruitment which are all important considerations. It is however paramount to also look at resilience to protect customers/clients, adhere to new regulation, be investor ready and navigate procurement better and faster. In this podcast we will explore what being ...
Consumer Duty and fintech innovation
March 06, 2023 13:54 - 21 minutes - 19.7 MBIn July 2022, the FCA published its Consumer Duty. Regulated firms need to implement the new rules by the end of July 2023 for open products and July 2024 for closed books of business. Firms will need to review their products, communications and customer journey. It will impact most areas in those organisations such as governance, reporting, product design, pricing, distribution, servicing and staff training. In this podcast we will review the key principles, ask ourselves what the impact...
Fintech and payroll, disrupting how people get paid
February 17, 2023 11:35 - 23 minutes - 21.5 MBWhen thinking about payroll generally most people would assume that it is something that works well. You work, you get paid. However, payroll is being disrupted like never before. According to software company Intuit, one in four workers say they have had paycheque errors. And cloud company Kronos found almost half of workers who have had two or more paycheque errors will look for a new job. Society is changing fast (even more so after COVID). In this podcast we’ll explore how those change...
Carbon Markets: How can fintech avoid green washing?
February 03, 2023 17:57 - 28 minutes - 26.2 MBThe FinTech Scotland Research and Innovation Roadmap highlighted the growing focus on climate considerations for the financial services sector. Whilst this is in part driven by consumers, demanding better transparency for the products they invest in, this is the launch of new regulations that is accelerating the move to a more sustainable financial sector. Financial services providers are facing growing challenges around ESG reporting due to the difficulties around the availability of trus...
Mistakes to avoid when scaling a fintech
January 23, 2023 09:45 - 30 minutes - 27.9 MBThe fintech sector is growing at pace with more and more entrepreneurs launching their own innovative firm. Whilst starting a new company can be difficult, scaling one to the next stage isn’t any easier and comes with its own challenges. What makes a start-up different is its size, allowing it to be more nimble, faster and more agile which in turns allows for faster innovation. As it grows, employs more people, develops new operating models and uses more technologies, the danger is slowing do...
Fintech and space: Innovation examples
December 05, 2022 22:24 - 24 minutes - 22.2 MBFintech innovation is powered by data. New solutions appear every day, always consuming new data to develop new services to help people and organisations deal with money. Innovators are constantly in search for new data sources. The Scottish space sector has developed to be one of the largest in Europe. This industry, thanks to technology advances, can generate an incredible amount of data, from climate data to supply chain data, and much more., The fintech sector in Scotland is developing ra...
Fintech and pace: Innovation examples
December 05, 2022 22:24 - 24 minutes - 22.2 MBFintech innovation is powered by data. New solutions appear every day, always consuming new data to develop new services to help people and organisations deal with money. Innovators are constantly in search for new data sources. The Scottish space sector has developed to be one of the largest in Europe. This industry, thanks to technology advances, can generate an incredible amount of data, from climate data to supply chain data, and much more., The fintech sector in Scotland is developing...
Fintech and Space
November 17, 2022 16:37 - 22 minutes - 21.2 MBAs we transition to a more sustainable future, data, technology and innovation will help to drive and accelerate the insights, products and services to enable the changes needed. Earth Observation Data can enable new innovations that can help to advance financial inclusion, incentivise better climate related behaviours, and support the net zero agenda. Scotland has built significant experience in Space Tech and Space Data. Combined with the strength in FinTech innovation, this offers a sub...
Hiring strategies for fintechs
September 06, 2022 11:41 - 28 minutes - 26.5 MBFintech firms around the world are becoming more and more vocal about how difficult they find it to hire new colleagues. Whether it is the skills gap or the increase in salary levels, start-ups and scales-ups are not always best equipped to compete in a global and highly competitive market. At the same time, many fintechs from around the world have and are still choosing Scotland to expand, finding it easier and sometime cheaper to recruit. So, is Scotland still attractive from a job market...
RegTech, why now is the time to start caring
August 23, 2022 09:44 - 26 minutes - 24.2 MBFinancial Regulation Innovation (RegTech) was highlighted in the FinTech Scotland Research and Innovation roadmap published in March 2022 as an essential area of focus for the financial sector. Understanding and managing regulatory requirements costs financial institutions millions of pounds every year. As regulation evolves all the time to protect consumers, so do new tools and technologies. In recent years new solutions have emerged to help companies reduce cost, better understand require...
A conversation about art and NFT with Trevor Jones
July 06, 2022 09:00 - 25 minutes - 23.6 MBThe NFT movement seems to have taken the world by storm. For most people it came out of nowhere and when most people are grappling with the idea of digital currencies, they now have to deal with non-Fungible-tokens. Digital currencies are changing everything and not just the way we deal with money. However, it’s not just about coins anymore. Today, in the episode we’re speaking about how it’s affecting one of the oldest disciplines in the world. Art. And just like appetite for cryptocurrencie...
A conversation with art and NFT with Trevor Jones
July 06, 2022 09:00 - 25 minutes - 23.6 MBThe NFT movement seems to have taken the world by storm. For most people it came out of nowhere and when most people are grappling with the idea of digital currencies, they now have to deal with non-Fungible-tokens. Digital currencies are changing everything and not just the way we deal with money. However, it’s not just about coins anymore. Today, in the episode we’re speaking about how it’s affecting one of the oldest disciplines in the world. Art. And just like appetite for cryptocurrenc...
The role of fintech in fighting the cost-of-living crisis
June 24, 2022 13:04 - 23 minutes - 22.1 MBAccording to the Office for National Statistics, 87% of adults in the UK reported an increase in their cost of living in April 2022. The Office for Budget Responsibility expects household incomes after tax and adjusted for inflation to start falling in Q2 2022 and not recover until Q3 2024.Since Russia invaded Ukraine, economic forecasters have raised their expectations for consumer price inflation, not just in the near term but that it will be higher for longer.On 5 May, the Bank of Englan...
Fintech Innovation - the need for collaboration
May 26, 2022 12:29 - 24 minutes - 22.9 MBWhilst the fintech movement often makes headlines with those firms that are trying to replace traditional financial institutions, there are many more fintech firms out there trying to work, collaborate or sell to those incumbents to help them deliver better outcomes to their customers. In this podcast we discuss the opportunities for increased collaboration and some of the challenges? Has the pandemic changed the state of play and what are the solutions to accelerate fintech adoption by his...
The FinTech Research and Innovation Roadmap
May 09, 2022 10:20 - 21 minutes - 20.1 MBIn March 2022, FinTech Scotland released its 10-year Fintech Research & Innovation Roadmap for the UK. In collaboration with leading universities, large financial institutions, fintech businesses, citizens, industry experts and senior officials this report explores the opportunities that will help the UK maintain its fintech leadership globally. In this episode we explore what this roadmap means for Scotland and what the next steps are to deliver on the roadmap recommendations.
Episode 11 - Fintechs empowering SMEs
August 10, 2021 15:29 - 24 minutes - 22.6 MBThe fintech movement hasn’t just disrupted the way customers and citizen deal with money and access financial products or large financial institutions digitise themselves. Fintech is transforming how SMEs work and organise themselves. In this episode we’ll explore how fintech is transforming SMEs. We’ll discuss adoption rates, opportunities and challenges faced by fintechs trying to sell their solutions to SMEs. Can collaboration with trusted financial institution be the solution to mass ad...
Episode 10 - Customer Experience and Fintech
July 29, 2021 09:48 - 29 minutes - 27.5 MBThe Digital Banking Report Research by The Financial Brand shows that Customer Experience is the number 2 priority (just after digital transformation) for financial institution around the globe. New entrants and changing customer expectations have fuelled this need for a greater focus on customer led design. COVID-19 has accelerated this trend by requiring companies to adapt to a fully digital world with no branches for customers to go to and the need to make customer support more efficient...
Episode 9 - fintechs and cybersecurity
July 13, 2021 11:11 - 26 minutes - 24.4 MBAccording to the European Union Agency for Cybersecurity (ENISA) cyberthreats are on the rise, with more and more Phishing attempts, Identity Theft, Ransomware. The COVID-19 seems to have been an accelerant with attacks on homes, businesses, governments and critical infrastructure. In this podcast we’ll discuss the issue with cybersecurity experts. What are the current threats and those to watch out for in the next few years? What are the new solutions being developed by innovative firms to f...
Episode 8 - Women Driving Fintech
June 30, 2021 13:10 - 23 minutes - 21.5 MBSaying that women are under-represented in fintech is an understatement. According to a 2018 LendIt survey, only 37 per cent of fintech employees are female, with representation dropping to just 19 per cent at C-suite level. There are however some great success stories. Anne Boden, CEO at Starling Bank or closer to home Jude Cook, CEO and co-founder at ShareIn, Loral and Eishel Quinn at Sustainably and with us today Ana Galitsyna co-founder at fintech Baby Ready. Whilst not being the major...
Episode 7 - Fintech to fight climate change
June 15, 2021 14:46 - 17 minutes - 15.8 MBWith COP26 taking place in Glasgow later this year, there is a real focus on the climate change issue. As all participating countries are asked to submit their new long-term goals to address the global climate emergency, we are asking ourselves today how fintech can participate in this global movement. The United Nations, in their Principles for Responsible Banking, have recognised Financial Services as one of the components that will help tackle climate change. Fintech, as a movement, is ...
Episode 6 - fintech, a force for good?
June 01, 2021 10:58 - 28 minutes - 26.4 MBFintech is a movement that focusses on customer outcomes, transparency, and democratisation of the financial services sector. Using data and technology, fintech firms are looking at tackling societal and economic issues. Together with our guest we’ll discuss the role of fintech in tomorrow’s world. With Duncan Cockburn, Founder & CEO at OneBanks, Eishel Quinn, Co-founder & Chief Product Officer at Sustainably and Dominic Chalmers, Senior Lecturer at the University of Glasgow Adam Smith Busine...
Episode 5 - Innovations in the world of payments
May 18, 2021 12:47 - 22 minutes - 20.6 MBThe world of payment is being disrupted like never before, accelerated, in part, by the recent economic and societal changed imposed by COVID19. Contactless payments, rise in online transactions coupled with increased concerns around fraud and cybersecurity mean that the sector is undergoing some unprecedented changes. In this episode we explore what those changes mean in terms of innovation and from a regulation perspective with 3 fantastic guests: Genevieve Marjoribanks, Head of Policy...
Episode 4 - Cryptocurrency, towards global adoption?
May 05, 2021 09:45 - 28 minutes - 25.9 MBCryptocurrencies are regularly featured in the press. Sometimes it’s about Bitcoin reaching a new high, sometimes about a new ICO launching. More recently we learnt that tech giant Elon Musk had bought into the digital currency movement. There have been many debates since Bitcoin launched in 2008. There are those who believe crypto is just a temporary craze and those who believe it’s the future of money. With global tech giants launching their own coins and new crypto reaching new highs, w...
Episode 3 - AI and fintech applications
April 19, 2021 11:47 - 29 minutes - 27.2 MBOn the 22nd of March 2021 Scotland’s AI Strategy was published. AI is playing a growing role in the development of fintech solutions. In this special episode that launches during the UK fintech week we hear from two fintech firms that have built their proposition around AI as well as Gillian Docherty, OBE, CEO at The DataLab, member of the Steering Committee that led to the creation of Scotland’s AI strategy and Chair of the AI Alliance in Scotland. We’re also joined by Simon Pink, AI & Data ...
Episode 2 - The Future of Wealthtech
April 01, 2021 13:45 - 18 minutes - 17.4 MBIn this episode we welcomed: -Chris Turnbull, CEO at Airfunders -Ross Laurie, CEO at Visible Capital -Iain Niblock the newly appointed CEO at Money Dashboard. We spoke about new innovations impacting the world of Wealthtech from Open Banking to AI. The conversation also took us to Open Finance as a natural and needed evolution of Open Banking and what it means for the future of digital financial advice and guidance. Finally we asked ourselves whether people would ever move to full r...
Episode 1 - Fintech in Scotland
March 18, 2021 08:42 - 22 minutes - 20.6 MBAn introduction to the fintech sector in Scotland with: -Nicola Anderson, CEO at FinTech Scotland -Kent MacKenzie, Partner and Global Head of Fintech & Regtech, Advisory Services at Deloitte -Alberto Macciani, CMO at fintech Paysend Together our guests covered what makes Scotland a great place for innovation generally and for fintech more specifically. The recent UK Fintech Sector Review commissioned by the UK Treasure highlights Scotland as the second UK fintech hub in number of firms. ...
Welcome to FinTech Scotland's podcast
March 03, 2021 09:32 - 52 seconds - 833 KBFinTech Scotland's CEO, Nicola Anderson, welcomes you to our new podcast and tell you about all the great things we'll be discussing.