London Fintech Podcast
258 episodes - English - Latest episode: 27 days ago - ★★★★★ - 8 ratingsInsights, stories & inspiration from a Golden Age of Creativity, Opportunity and Innovation
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Episodes
LFP205 – Fintech and FX Hedging for SMEs w/Seth Phillips CEO Bound
June 23, 2022 04:05 - 43 minutes - 40 MBOver time the Fintech wave reaches ever more complex topics. FX per se was one of the earlier low-hanging fruits to be digitised – a simple, near immediate transaction that everyone understands as they do it all the time when going on holidays. However its taken much longer – a decade or perhaps two – […]
LFP204 – What Can We Learn From Nearly Twenty Years Of The P2P Experiment? w/Jaidev Janardana CEO Zopa
June 09, 2022 04:05 - 41 minutes - 37.8 MB“P2P”, invented by Zopa in 2005, was one of the main unique business models that was at the core of the early success of Fintech businesses in disintermediating banks and offering better/cheaper/faster experiences to both lenders and borrowers. Over the past nearly two decades P2Ps have had many fates – variously succeeding, going bust, committing fraud, […]
LFP203 – Fintech in Scandinavia/Nordics – Deep Origins and Reasons for Success w/Erik Bennerhult, CEO Naktergal
May 26, 2022 04:05 - 42 minutes - 39 MBScandinavia (Sweden/Norway/Denmark) and the Nordics as a whole (Scandinavia +Finland +Iceland) have massively outperformed most parts of the world in Tech and Fintech when considered compared to the relatively small sizes of the populations. Why is this and where is it all going? In this episode Erik who was part of creating the world’s first […]
LFP202 – Fintech Corporate Finance w/Aman Behzad Managing Partner Royal Park Partners
May 12, 2022 04:05 - 40 minutes - 36.9 MBThe fact that today we are talking to Aman, the co-founder of specialist Fintech Corporate Finance boutique Royal Park Partners which has done over 30 transactions is a great sign of the maturation of the Fintech market. In this episode we discuss the origins of Fintech Corporate Finance in Europe – not that long ago […]
LFP201 – Rethinking Investment Risk & Deep Dive Into Investing in VC w/Alan Vaksman co-founder Digital Horizon
April 28, 2022 04:05 - 47 minutes - 32.9 MBInvestment risk has changed radically from what regulators and the media propound. A prime example is that with negative real interest rates and at the end of a secular 40 yr bond bull market the idea of bonds being “low risk investments” is nuts yet widely followed in asset allocation. Furthermore as we touched on […]
LFP200! The Philosophy of Technology & Technique & their Existential Impact on People, Society and Civilisation w/Oswald Spengler & Jacques Ellul
April 14, 2022 09:50 - 1 hour - 47.9 MBTechnology pervades our world more than ever and conditions us and our existence ever more. But I believe it is not well-understood at a philosophical level, nor are its impacts at an existential level. Two great thinkers about technology and its impact on man, society and civilisation in the 20thC were Oswald Spengler and Jacques […]
LFP199 – Gold, Have a Personal Gold Standard & Pay in Gold #Fintech #GoldTech w/Jason Cozens CEO Glint
April 01, 2022 06:25 - 53 minutes - 49.1 MBGold has been much in the news recently with Russia putting a Gold-floor under its currency to spectacular effect (almost as if desire for infinitely printed fiat paper is wearing off…) and offering to accept payment for exports in Gold the US sanctions/de-SWIFTing/and theft of Central Bank Assets (never happened in history) has spectacularly backfired. […]
LFP198 – Tech/Fintech in Central and Eastern Europe w/Adam Niewinski co-founder OTB Ventures
March 10, 2022 05:05 - 39 minutes - 36.5 MBThere are at least 70 cities in Europe which have at least one unicorn in them – a very different pattern from the US/UK ecosystems. Over 20 of these cities are in Central and Eastern Europe (CEE). There is thus far more to CEE than a place to near-offshore your tech or dev team. In […]
LFP197 – Money in the 21stC: Ballooning Printing of Fiat/QE/”MMT”/Govt Debt, CBDCs, Crypto, Dedollarisation, Hyperinflation, Gold w/Mario Innecco (@maneco64)
February 24, 2022 05:05 - 1 hour - 58.5 MBWhere money in major economies is and where it is going is very concerning right now – look at the list of issues in the episode title, let alone the impact of the ongoing globalist putsch and UN Agendas 21 and 2030. This is a topic that will affect not just FS but the lives […]
LFP196 – Making Combatting Online Fraud a Truly Digital Experience w/Bence Jendruszak co-founder SEON
February 10, 2022 05:05 - 44 minutes - 41.2 MBFraud is sadly as old as humanity. However the digital age has created a huge arms race – on the one hand a massive increase in fraudulent attempts, on the other ever-stronger defences. Traditionally anti-fraud was a complex B2B sale but in the digital age where b2b and b2B sales outnumber by far B2B sales […]
LFP195 – How The Changing World (esp. Tech) Is Changing The Nature of Boards w/Patrick Dunne, Four-Time Board Author
January 27, 2022 05:05 - 45 minutes - 31.4 MBIn this show Patrick Dunne joins us to discuss how Boards changed in the 80s/90s/00s as a prelude to the significant shifts in Boards happening, and needing to happen, today. As the world changes massively and as tech changes only-ever accelerate how does this change what Boards are required to do, how they do it […]
2022 New Year Special: How The World Is Governed – An Exploration Of The Nature Of Globalism, The Ne Plus Ultra Issue Of Our Time
January 13, 2022 17:30 - 1 hour - 61.5 MBCivilisation I believe is at a crossroads. The globalists’ road has a stench that we can smell from the crossroads. Their dystopian future has been designed for far longer and in far more detail than anyone who has not researched it would ever imagine. It is no secret, no paranoia, and is documented in the […]
LFP194 – Do We Need a Radically Decentralised Approach to Identity & is Tim Berners-Lee Right? w/Kirill Slavin CEO Reputation Transfer
December 16, 2021 05:05 - 42 minutes - 38.7 MBWith the long-planned centralised ID (via pretext of “medical passports”) juggernaut bowling down the road towards us and ushering in a Western version of the Chinese Social Credit Score where your Human Rights, rather than being God-given, become a function of your obedience to ever-more politician-decided criteria it seems a great occasion to discuss what […]
LFP193 – GovernanceTech: Changing Companies for the Better w/Antoine Argouges CEO Tulipshare
December 02, 2021 05:05 - 44 minutes - 40.6 MBIn the hundreds of incoming requests to be on the LFP there are few that truly stand out as something fresh and innovative that I haven’t heard of countless times before. Tulipshare is one such rara avis being the first on the show who do GovernanceTech. They are a broker-dealer through which you can buy […]
LFP192 – From Startup To Global Without Raising Equity w/Ben Richmond CEO CUBE
November 18, 2021 05:05 - 46 minutes - 42.4 MBCreating a global firm without raising equity is rare but possible and an important route with many advantages for certain types of business. which many young entrepreneurs are relatively unfamiliar with. Ben Richmond founder and CEO of RegTech CUBE certainly knows this path intimately and shares with us his insiders experiences having built CUBE from […]
LFP191 – Serving Microbusinesses Payment Needs with Fintech w/Ravi Jakhodia CEO Coupay
November 04, 2021 05:05 - 35 minutes - 32.4 MBServing the sole trader or microcompany is super-important right now as economies and indeed societies continue to try and build themselves back from the ground up after widespread government actions in 2019 which massively favoured MegaCo and governments never-ending pork-barreling monetary printing presses at the expense of the little guy. In this context we define […]
LFP190 – The US Pension Market: Past Century, Present & Future w/Jodan Ledford CEO Smart USA
October 21, 2021 04:05 - 41 minutes - 38.1 MBIn this episode we cover the super-big picture from the fascinating origins of the US pension market which is barely a century old through the complexities of the current market with some 40 million Americans having no access to a retirement plan and looking into the future how official advice over so-called “low risk investments” […]
LFP189 – Navigating Through The Thicket of UK Govt Aid To Firms Inc >2,000 Grant Schemes w/Bhavik Chauhan VP OKR Financial
October 07, 2021 04:05 - 40 minutes - 36.8 MBThis episode is a sign of the state-centralist times. Fintech grew in a very different world from our ever-expanding State, super-high tax-burdens, massive regulation et al. However why should SMEs leave all the food on the table for better-resourced BigCos to take? Especially when it falls into that vital category of “non-dilutive funding”. In this […]
LFP188 – How to IPO w/Nic Brisbourne CEO of recently-IPO-ed Forward Partners
September 23, 2021 04:05 - 43 minutes - 39.4 MBEvery startup in the tech world is after a “realisation” – or put in other terms a point in time at which someone puts a real as opposed to notional valuation on your firm – when you sell out in whole via a Trade Sale or in part via an IPO. But how do you […]
LFP187 – Architecting Fintechs to put Customer Support/Service at the Centre w/Hristo Borisov CEO Payhawk
September 09, 2021 04:05 - 45 minutes - 41.2 MBis it possible to do Customer Service well whilst not going bankrupt employing thousands of PhDs in Customer Service at megabucks? And back to an old favourite of FS vs Tech why do we even need it if the tech quotes works unquotes? In retail FS or even FS as a whole Customer/Client Service is essential. […]
LFP186 – “Doing Culture Well” as a Key Growth Tool w/Richard Arundel Co-Founder Currency Cloud
August 26, 2021 04:05 - 41 minutes - 38.4 MBCurrency Cloud are one of London’s oldest Fintechs being founded over a decade ago. As they recently sold themselves for £700m to Visa – in cash – they clearly know something about the entire startup-realisation process. Big time. One of the aspects whose importance grows along the journey which co-founder Richard shares with us is […]
LFP185 – Network-Based Finance And “Open Commercial Transactions” w/Gert Sylvest co-founder Tradeshift
August 12, 2021 04:05 - 43 minutes - 40 MBIn this episode we have an awesome deep-dive by Gert into what Network-based Finance is – a super-cool topic even Google doesn’t know about (within an hour of this LFP release it became the only example :-O). We cover how, in a sense, it inverts the whole “Open Banking” paradigm putting the opening of transactions […]
LFP184 – A Fintech Dominating Its Sector – Prime Real Estate Lending w/Uma Rajah CEO CapitalRise
July 29, 2021 04:05 - 42 minutes - 38.9 MBI can think of very few UK Fintechs that dominate their sector as successfully as CapitalRise who have something of a monopoly of being the only independent prime real estate property finance provider. Not only that but to date they have an unbeatable 0% loss-rate on loans that have returned ~9%pa to investors. The Credit markets […]
LFP183 – How Engaging and Partnering with and by Banks is Changing w/Simon Jones CCO ClearBank
July 15, 2021 04:05 - 42 minutes - 39.2 MBHow one engages with a Bank and how Banks engage have always been essential aspects of FS which is a complex ecosystem of specialists. This is – like much – all-changing right now. ClearBank have recently published a report entitled “How well are Fintechs served by banks?” which provides some depth to this topic. Simon […]
LFP182 – What It Takes To Succeed In Early-Stage Investment w/Yusuf Ozdalga Partner, QED Investors
June 30, 2021 22:55 - 43 minutes - 39.7 MBWhat kind of value-add most helps founders and their companies? Or if you prefer what sun, what rain and what compost makes founders trees fruit better and faster? It’s a vital topic for the economy. QED Investors is a leading VC firm focused on investing in early stage – hence their knowledge of growing seedlings […]
LFP181 – Angels and Angel Investing Masterclass w/Richard Hargreaves, 50 years of Professional Unlisted Investing
June 17, 2021 04:05 - 1 hour - 56.7 MBRichard has an astonishing 50yrs experience in investing in young companies and helping to grow them, starting with 3i in the 1970s when they were next to the only institutional provider of development capital through to being a former chair of the BVCA and this year having released a thoroughly updated version of his book […]
LFP180 – Ever-More Sophisticated Fintech Propositions – Inventory Monetisation w/Alessandro Zamboni CEO Supply@Me
June 03, 2021 04:05 - 40 minutes - 36.9 MBFintech is increasingly getting well beyond providing the simplest of transactions and deep into the complex end of FS. Supply@Me Capital are listed on the UK Stock Exchange and recently acquired Singaporean firm Tradeflow Capital. They provide inventory financing by securitising manufacturers’ and trading firms’ inventory in a very interesting fashion leading to a new […]
LFP179 – Global Insuretech & The Underserved Small Business Insurance Market w/Jay Bregman CEO Thimble
May 20, 2021 04:05 - 39 minutes - 36.2 MBTwo topics this week… What are the major trends in Insurtech in the US, UK, Europe and China? Secondly Small Business insurance, general liability professional liability insurance and so forth can be hard to acquire at commercially sensible terms and thus many contractors or home repair folk end up giving up on potential work as […]
LFP178 – Connecting Startups, Investors, NEDs/Advisors/Mentors w/Roei Samuel CEO Connectd
May 06, 2021 04:05 - 44 minutes - 40.3 MBWay back in the day LFP002 was with matchi.biz who were creating a marketplace to connect innovative firms with incumbents who needed that innovation so the idea of a connection function or market has been around for some time. As matchi.biz were acquired by KPMG in 2017 they were clearly not only successful at creating […]
LFP177 – Fintech’s Success: Past, Present (esp re Kalifa Report) and Future w/Nigel Verdon Thrice Fintech Founder
April 22, 2021 04:05 - 43 minutes - 39.4 MBThe recent report by Ron Kalifa, for the UK Govt to identify priority areas to support the UK’s Fintech sector and maintain the UK’s global reputation in re, gives us an excellent opportunity to zoom out from that to discuss The Past: why Fintech so successfully started in the UK; The Present: how well the […]
LFP176 – Sci-Fi Creeps Ever Nearer – Automated Detection of Emotion In Voice Audio w/Rana Gujral Behavioral Signals
April 08, 2021 04:05 - 44 minutes - 41.1 MBBehavioral Signals aims to “turn your conversational data into actionable insights for your business” via the automated cross-cultural detection of emotions in the audio of conversations. This is a super-new front in machine language recognition and usage one which has to date been rather simplistically approached but one which as we all know every day […]
LFP176 – Sci-Fi Creeps Ever Nearer – Automated Detection of Emotion In Voice Audio w/Rana Gujral Behavioural Signals
April 08, 2021 04:05 - 44 minutes - 41.1 MBBehavioural Signals aims to “turn your conversational data into actionable insights for your business” via the automated cross-cultural detection of emotions in the audio of conversations. This is a super-new front in machine language recognition and usage one which has to date been rather simplistically approached but one which as we all know every day […]
LFP175 – The Ever-Increasing Importance of Creating a Company Culture w/Keith Smith CEO Payability
March 25, 2021 05:05 - 45 minutes - 41.8 MBBack in the day when business was more monocultural in many dimensions, and indeed today in more monocultural societies, “culture” was implicit and did not need explicitly defining. However in the modern, ever-more globalised, ever-more multicultural world binding together a group of people, possibly in different countries into one coherent entity is an ever-increasing challenge. […]
LFP174 – The Huge Success of Digital Wallets and their Future w/Bjorn Goss CEO Stocard
March 11, 2021 05:05 - 47 minutes - 44.7 MBStocard are perhaps Europe’s most successful Fintech measured by numbers of users – they have over 60 million users of their App (which gets 4.7* on Google Play) and process an amazing 2 billion transactions per annum – a phenomenal achievement. Their users save some 2-5% on average on their shopping and in some countries […]
LFP173 – The Blockchain Digitisation of Tuvalu & Implications of Digitisation At Large w/Dave Washburn CEO nChain
February 25, 2021 05:05 - 41 minutes - 39 MBnChain are part of a small consortium are working on a project with the Tuvalu govt to put all of its records on a digital ledger – aka Blockchain, thus becoming the first country to do so. Tuvalu, comprises 9 islands, has a domestic revenue of $60m (a chunk of which comes from its ownership […]
LFP172 – The Multiple Dimensions of the Challenges of Digital for Incumbent FS Projects w/Tony Clark CEO NextWave
February 11, 2021 05:05 - 40 minutes - 37.7 MBLittle more than a couple of decades ago IT was a very back office function in large FS organisations. Now it has completely inverted to become centre-stage in roughly every dimension of being in business, FS included. Tony Clark, serial entrepreneur, founder and CEO of NextWave Consulting has over thirty years experience of large City […]
2021 New Year Special: The Elite’s Governance & Cultural Revolutions – Key Insights from Spengler, Nietzsche, Lasch
January 28, 2021 05:05 - 55 minutes - 51.3 MB2020 has been crazy and 2021 doesn’t seem to be breaking the trend. The LFP New Year Special is traditionally an occasion to looks back to the prior year and forward to the next. However given the seismic changes in Governments Governance of the people and the ongoing cultural revolution I thought we should take […]
LFP171 – The Past, Present and Future of Venture Capital w/Josh Bell Dawn Capital
January 14, 2021 05:05 - 44 minutes - 41.4 MBVenture Capital is nigh-on essential for many ambitious, big-build, fast-scaling Fintechs and Techs in general. Fund raising is essential. Thus how the VC market is evolving is of the utmost importance to ambitious firms and founders. In this episode Josh Bell one of the founding partners of leading London-based European-wide VCs Dawn Capital who have […]
LFP170 – Three Major Indicators That Insurtech Is Making Demonstrable Progress Changing An Industry w/Andy Rear
December 31, 2020 05:05 - 43 minutes - 40.7 MBAndy Rear was until recently head of the innovative Digital Partners, MunichRe’s London subsidiary which pretty much invented Reinsurance (/Insurance) As A Service (which he covered way back in LFP074). In this episode he rejoins us to present evidence that Insurtech is actually changing an industry. Andy himself is off to do Non-exec-ing and a […]
LFP169 – A Serial Entrepreneur’s Guide To Fund-Raising w/Peter Keenan CEO Apexx Global
December 10, 2020 05:05 - 42 minutes - 39.5 MBCapital-raising is an absolutely core-skill for entrepreneurs and their growing businesses – and every tech business de facto needs to grow (margins low and intense competition). Peter Keenan, CEO and co-founder of merchants-payments provider Apexx Global, has raised capital in a total of five companies and thus talks to us from a position of considerable […]
LFP168 – A Superb Guide To “Open FS” Progress Around the World w/Keith Grose Head Plaid UK
November 26, 2020 05:05 - 41 minutes - 39.1 MBOpen Banking started a far greater wave, The ability for people to share ever-more of their financial data – not just current account but *everything* from mortgages to investments to pensions data promises to revolutionise the world of FS and people’s financial lives. In this excellent conversation Keith gives us a tour d’horizon and a […]
LFP167 – Traditional Insurance Model Inverted, Community Insurance Reinvented w/Tobi Taupitz CEO Laka
November 12, 2020 05:05 - 39 minutes - 36.6 MBThe alignment of economic interests between buyer and seller is much spoken about but little done. Over two and half years ago when Tobi was first on the show he spoke about the idea of aligning Laka’s interests with their clients. Now we hear this narrative all the time but rarely is it deeply true. […]
LFP166 – Progress On Scaling Identity Verification Across Europe & Globalising w/John Erik Setsaas Signicat
October 29, 2020 05:05 - 43 minutes - 40.7 MBAll Fintechs in one country will have long since sorted identity/AML/KYC and so forth. But what happens when they need to scale in other countries or even go global? Like many things in Fintech this was a hard challenge only a few years back. However now it is made much easier by the likes of […]
LFP165 – Relationship Banking – the Surprising Answer to the Needs of Growing Techs? Tom Butterworth MD Silicon Valley Bank
October 15, 2020 04:05 - 38 minutes - 36.5 MBIn a world ever-more focused on transactions and digitisation what place is there for relationship-banking? Apparently not a lot, yet the market-leader – SVB – wholly embraces this approach over the whole journey from Startup to FTSE. In this show we discuss what relationship banking means in the 21stC for one of the hottest sectors […]
LFP164 – A Deep Dive Into Ripplenet, A Key 21stC Global Payments Approach, with Marcus Treacher SVP Customer Success Ripple
October 01, 2020 04:05 - 51 minutes - 47.7 MBPayments are being revolutionised. One of the most fascinating examples is Ripplenet – Ripple’s approach to inverting the old model of slow large payments to super-fast, immediate, small payments (the general trend) which will change payments forever. Ripplenet “an internet of value” is used by over 300 Financial Institutions in more than 45 countries, as […]
LFP163 – A Deep Dive Into Venture Debt – An Important But Underused Funding Option? w/Alex Baluta CEO Flowcap
September 17, 2020 04:05 - 45 minutes - 42.8 MBWhat is called Venture Capital is most of the time actually Venture Equity – the predominant funding model for Startups/ScaleUps. But in many sectors, Fintech included, some UnlistedCos are Very large – valuations in the billions. These are no small companies. Traditional corporate finance theory says (correctly) that equity is expensive and should always be […]
LFP162 – The Past and Future of Fintech w/Vinoth Jayakumar Partner Draper Esprit
September 03, 2020 04:05 - 49 minutes - 46.2 MBDraper Esprit are one of London’s longer-established VCs and with investments in the likes of Revolut, Transferwise, Thought Machine, Seedrs, Crowdcube and Freetrade might know a thing or two about Fintech. Draper Esprit, like Augmentum who we had on the show last year are also a listed AIM and thus also can offer finance not […]
LFP161 – Global B2B Payments & Multi-Rail Technology w/Marwan Forzley CEO Veem
August 20, 2020 04:05 - 40 minutes - 37.5 MBMarwan joins us to discuss global payments for small businesses. He has been in payments for many years and was first a founder in 2002 so speaks from long experience of both. Veem is a global payments network used by small businesses around the world which allows them to pay their vendors, suppliers and contractors anytime, […]
LFP160 – Entrepreneur Masterclass: What Attributes Do You Need To Create A Billion Dollar Company? w/Clay Wilkes CEO Galileo
August 06, 2020 04:05 - 41 minutes - 39.3 MBThe Tech press is full of unicorns – but these are almost always “on paper”. Those companies that someone has bought for over a billion – be it a trade sale or IPO – are far rarer. Clay Wilkes has created both starting with just an idea. Galileo Financial Technologies which he co-founded, powers 95% […]
LFP159 – “Payments Terms As A Service” w/Lara Gilman iwocapay
July 23, 2020 04:05 - 35 minutes - 33.4 MBIwocapay is a new business venture from iwoca, one of London’s leading Fintechs, to offer payment terms as a service. Metaphorically this is a cross between a domestic version of trade finance – helping finance a supply chain – with an oldschool (and rather harder to get these days) bank overdraft – ie a flexible […]