It’s the fintech groundhog day
Have we truly fulfilled the promise of fintech? How do you look beyond what is easy and serve communities who have long been ignored by traditional financial services, such as migrants? What is best for the greater good? How do we create change at scale?Perhaps the only way to unbake systemic racism within financial services is to change the ingredients and those that are preparing the meal, as well as for whom we are preparing the meal. Everyone deserves a seat at the table.In this week’s One Vision, Theo and Bradley welcome Nina Mohanty back on the show to talk about her new brainchild, Bloom Money, an app that is “built by migrants, for migrants”.
Welcome to the age of embedded finance, where the financial services battlefield has moved from branches to point-of-sale
Can we make embedding finance into apps and customer journeys as simple as drag and drop? While no one would go to Ikea for the sole purpose of opening a bank account, they might need payment installment services during checkout. The new breed of technology platform players (BaaS) has made offering such services much more cost effective and less complex for big brands and retailers. Welcome to the new world where nearly every aspect of traditional banking can simply be an invisible feature of another industry’s customer experience. In this episode of One Vision, Theo and Bradley chat with Shaul David, Head of Banking, Growth at Railsbank on the future of financial services, the role of technology, and the era of embedded finance.
It’s a good time for a restart
The old adage says to make hay when the Sun shines, but what do you do when the skies are grey? With this ongoing pandemic and the spectre of uncertainty surrounding it, being a startup founder has never been more challenging. How can startups look at these moments of uncertainty as moments of opportunity? In this episode of One Vision, Theo and Bradley chat with Arun Krishnakumar about his new book, Restartup, co-written with Maxson Tee, where they address how moments of crisis can be a time that startups can truly thrive. Arun walks us through their collection of case studies, in-depth interviews of VCs, CEOs, and academics, and their framework that startups can use to survive any storm.
Connecting wealth, health, and everything in between
When it comes to planning for your finances, who do you turn to? Friends? Family? Colleagues? Or the Internet? With global fintech investment reaching US$98 billion across 2,456 deals in the first half of 2021 alone, one would have thought that planning for longevity wouldn’t be such a shot in the dark. In this episode of One Vision, Theo and Bradley chat with Rhian Horgan, Founder and CEO of Silvur, about the state of retirement planning today and her journey towards helping baby boomers navigate retirement.
The fintech party is just getting started
While the promise of flying cars might not have materialized, plenty has transpired in the startup space, at least in fintech. From investing to payments and super apps, from Asia to Latam and Africa, startups have raised record-level of funds. While it might seem consumers have a myriad of choices (just take a look at your smartphone), do we truly have the right solutions to the day-to-day challenges we face? In this episode of One Vision, Theo and Bradley chat with Ben Soppitt, co-founder and CEO of Unifimoney, on entrepreneurship, culture, and the art of automating wealth management.
Mental health is a privilege
Entrepreneurship is a stressful journey - and often, a lonely one; and oftentimes it might seem nearly impossible to balance the demands of the business and your own well-being. As an industry, we put a lot of emphasis on grit and celebrate sky high valuations and hockey stick growth, without pausing to think about the toll on the entrepreneurs. While the financial impact of startups in worldwide economies is widely reported, few focus on the impact on entrepreneurs’ mental health, an often taboo topic in our society and in boardrooms. In this episode of One Vision, Theo and Bradley chat with Kent Vorland, CEO of SimplyPayMe, on payments, financial inclusion, the great divide between cultures, and the need to take care of the humans.
One size doesn’t fit all — even in the days of digital banking
When was the last time you actually spoke with a customer and asked how you could help them? No — we don't mean a survey or through a video chat, but actually meeting and talking to one of your customers. Even in the days of digital banking, there is always going to be a need for physical space and human interaction. We might still need a branch or two. Or even physical money. In this episode of One Vision, Theo and Bradley chat with Jim Perry, Senior Strategist at Market Insights Inc., on why bankers need to get outside their bubble a bit more. Road trip anyone?
Never a dull moment in fintech
From payments and embedded finance to wealthtech and crypto, there is never a dull moment in the land of fintech. And there is no sign that the activity is waning.According to CB Insights, Q2 FinTech startups picked up $30.8B, growing 30% quarter-to-quarter. Year-to-date funding exceeded 2020’s total by 24%. Southeast Asia and Latin America, in particular, have seen great momentum in recent months.In this episode of One Vision, Theo and Bradley chat with Jason Mikula on the wild wild west of fintech, what it feels like to live in the Netherlands, and the latest with his brilliant Fintech Business Weekly substack newsletter.
Innovation is value neutral; it’s our collective responsibility to build technology that works for all
As the saying goes, “I have not failed 1,000 times, I have successfully found 1,000 ways that will not make a light bulb.” This — or some version of it — is often credited to Thomas Edison, on his quest to come up with an efficient incandescent lamp.As we look back at past innovations, and marvel at the ingenuity and perseverance of scientists and entrepreneurs, what inspires you? And how do our lived experiences influence the paths that we choose to follow and what values we hold dear?In this episode of One Vision, Theo and Bradley chat with Emeka Nwonu about his past, present, and future — from Nigeria, UK, and beyond