In this episode of Breaking Banks Europe, host Don Ginsel is joined by fintech thought leader Alessandro Hatami, co-founder of Pacemakers.io , to explore the most important trends shaping the future of financial services. The conversation covers financial inclusion and well-being, the cultural and legacy challenges holding traditional banks back, and why inclusion is as much an economic opportunity as a social one. They discuss the growing role of AI in banking – separating hype from real impact – along with its surprising effect on human interaction, hiring, and education. The episode also dives into digital resilience, cybersecurity risks, cash versus digital payments, and Europe’s opportunity around CBDCs, stablecoins, and digital identity. A wide-ranging, forward-looking discussion to kick off the new year in fintech.

Follow the guest:

https://www.alessandrohatami.net

https://www.linkedin.com/in/aehatami

In last month’s segment of #BBE, Elizabeth Kleinveld invited Lars Markull, founder of Embedded Finance Review, and Philipp Buschmann, CEO of AAZZUR. Celebrating the podcast’s sixth anniversary, the episode explores major trends across funding, regulation, partnerships, and the rapid rise of embedded finance. Key topics include the deep fintech–bank partnership between Allegro and PKO Bank Polski, Italy’s CDP blocking the sale of Nexi for strategic infrastructure reasons, and BaFin’s €45m fine against JP Morgan ahead of its 2026 Chase launch. Revolut expands with Booking.com via Revolut Pay, signaling its broader ecosystem ambitions. Funding trends show U.S. fintech investment slowing except for megadeals like Ramp, while Europe sees growth. The thematic deep dive highlights embedded lending’s breakout year, expanding across marketplaces, SaaS platforms, and traditional enterprises, with Germany’s embedded finance market projected to surge through 2030.

In this episode of News From The Fintech Front, host Matteo Rizzi is joined by Alexander Gaillard, CEO of InvestGlass, to discuss the biggest fintech stories of January 2025. The month saw a major funding round in Europe, with French fintech Swan raising €42M to expand embedded banking across the continent, highlighting strong investor confidence in the sector. In payments, Elon Musk’s X announced a partnership with Visa Direct to power X Money, introducing real-time P2P payments for U.S. users. Meanwhile, the AI space saw a significant development as OpenAI launched o3-Mini, a powerful reasoning model aimed at countering rising competition from DeepSeek. Additionally, the financial infrastructure space witnessed a key partnership as Euroclear signed a seven-year deal with Microsoft to modernize operations through cloud computing and AI. With Alexander Gaillard’s expert insights, this episode explores how these developments are shaping the fintech landscape in 2025.

Follow Alexandre: https://www.linkedin.com/in/alexandre-gaillard-fintech
investglass.com

In this episode of The Bankers’ Bookshelf series for Breaking Banks Europe, hosted by Paolo Sironi, Nicola Bilotta, a Senior Research Associate at the Florence School of Banking and Finance, delves into the evolving landscape of international reserve currencies and monetary systems. Bilotta discusses the forces driving the transformation—economic dislocation, geopolitical shifts, and advancing technology—while addressing the global dissatisfaction with the US dollar. He explains how countries like China and the European Union are exploring digital currency initiatives, each with distinct motivations: China aiming for monetary control, while Europe seeks strategic autonomy and a pan-European payment system. Bilotta also explores why the US has been slow to adopt a digital dollar, citing political skepticism and fears of losing influence. The conversation highlights future scenarios, including fragmentation, digital dominance, and global shifts. This insightful discussion is based on Bilotta’s book The Geoeconomics of Money in the Digital Age, and marks the transition of The Bankers’ Bookshelf series into its own show since 2025.

Get the book: https://www.routledge.com/The-Geoeconomics-of-Money-in-the-Digital-Age/Bilotta/p/book/9781032812168?srsltid=AfmBOoo8O35JN-o-TBvUnGfDzfkpYPrfiivuGtVQi89w_TH6sgnGHJkA

FOLLOW THE NEW SHOW: https://provoke.fm/show/the-bankers-bookshelf/

In this episode, Anthony Day, Managing Partner at Midnight, sits down with Matteo Rizzi to explore the major shifts in 2024 and early 2025 in the world of digital asset finance, tokenization, and AI technologies. Matteo announces that Breaking Banks Europe will transition from a weekly to a monthly show, while introducing new monthly series Breaking Banks Africa and a spin-off of #BBE, Paolo Sironi’s success The Bankers’ Bookshelf. The conversation dives into key topics like decentralized finance, the evolving landscape of AI, and the challenges surrounding data privacy and asset tokenization. Join us as we unpack the future of finance and explore the opportunities shaping the financial sector in this insightful discussion.

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Follow Anthony: https://www.linkedin.com/in/anthonyjjday/

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In this Breaking Banks Europe live podcast episode, Matteo Rizzi interviews Parul Seth Khanna and Sam Ghiotti during the Singapore Fintech Festival. Parul, co-founder of pinbox solutions, discusses the evolving fintech landscape in Asia, particularly in India. She shares insights on how the region is embracing technology and innovation to transform financial services, and the challenges companies face in such a dynamic market. Sam Ghiotti, co-founder of Abito, talks about his experience in building a fintech company in Japan, navigating the country’s unique cultural and regulatory environment. He explains the complexities of Japan’s financial behavior, where risk aversion and low financial literacy dominate, and how Abito is addressing these issues with fresh financial solutions. The episode explores global fintech trends, with both Parul and Sam offering valuable perspectives on market dynamics, innovation, and overcoming obstacles in diverse regions.

At the Singapore Fintech Festival, Breaking Banks Europe, hosted by Matteo Rizzi and supported by CXO Conversations, featured conversations with Premier Oiwoh (NIBSS CEO) and Jo Ann Barefoot (CEO of the Alliance for Innovative Regulation). Premier highlighted Africa’s innovation leadership, emphasizing USSD payments and financial inclusion. Jo Ann discussed regulatory challenges in emerging markets, noting the impact of technology and generational shifts in central banks, including insights from Rwanda, Ghana, and Namibia. The podcast explored cross-border payments, digital asset regulation, and the evolving role of technology in finance. Jo Ann also shared her podcast, Barefoot Innovation.

In an insightful conversation at the Singapore FinTech Festival with CXO Conversations, Valeria Ndapunikwa Mbango and Tune Hafo Brock from the Bank of Namibia and host Matteo Rizzi discussed the nation’s progressive approach to driving fintech innovation. They highlighted initiatives like the Artificial Intelligence and Robotics Accelerator Lab in partnership with NUST, aimed at building tech talent locally. The Bank is also spearheading projects such as instant payment solutions for financial inclusion, a regulatory technology platform for real-time data use, and exploration of Central Bank Digital Currencies (CBDCs) for cross-border efficiency. Acknowledging Namibia’s small population as a challenge, they emphasized the need for collaboration among startups, banks, and international investors. With a focus on interoperability, tourism-linked fintech opportunities, and fostering entrepreneurship, the Bank aims to position Namibia as a unique player in Africa’s digital ecosystem. Their mindset reflects a commitment to innovation, inclusion, and partnerships, paving the way for the nation’s financial transformation.

The podcast explores Morocco’s evolving fintech and innovation landscape, highlighting its potential as a hub for technological and economic growth. Despite challenges like a large unbanked population and bureaucratic hurdles, fintech startups are bridging gaps with innovative, user-friendly solutions, supported by collaborations with traditional banks and regulators. Morocco’s adoption of cryptocurrencies, upcoming regulations, and focus on emerging technologies, such as AI and green energy, reflect its commitment to modernization. Initiatives like UM6P university emphasize nurturing local talent, crucial for driving innovation. Morocco’s stability, low costs, and strategic location also attract digital nomads and investors, particularly in real estate and hospitality, which are poised for growth.

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Connect with Yassine:

https://www.linkedin.com/in/yassine-loqmane

In this month’s installment of News From The Fintech Front, Silvia Attanasio, Mico Curatolo, and host Don Ginsel dive into the future of European finance, focusing on the digital euro and the impact of new regulations such as MiCAR. Silvia Attanasio shares her perspective on the digital euro, highlighting its potential for innovation but stressing the need for clarity in regulation. Mico Curatolo discusses the opportunities and challenges MiCAR brings, such as standardizing the crypto market and enhancing consumer protection, while acknowledging the complex compliance journey ahead. Silvia calls MiCAR a “Frankenstein” of regulations, blending payment and financial instruments law, and emphasizes the need for more clarity. Mico talks about the opportunities for collaboration across the industry, while Don Ginsel facilitates the conversation, noting the importance of creating a unified European financial infrastructure. They all agree on the necessity of working with regulators to drive innovation while maintaining security and compliance.

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Follow our guests:

Mico Curatolo: https://www.linkedin.com/in/mico-curatolo-57a18497/

Silvia Attanasio: https://www.linkedin.com/in/silviaattanasio/

At this year’s Web Summit Lisbon, Matteo Rizzi took the mic to host two riveting live interviews on Breaking Banks Europe, bringing fresh insights from two of the brightest minds in fintech. First, he sat down with Ali Niknam, the visionary CEO and founder of bunq, a digital banking disruptor on a mission to offer transparency and a customer-first approach to financial services. Ali shared how bunq is challenging the traditional banking model and navigating the complexities of regulation while empowering users to take control of their finances.

Next, Matteo caught up with Jaidev Janardana, the dynamic CEO of Zopa, one of the trailblazers in the peer-to-peer lending space. Jaidev shared the journey from P2P lending to full banking services, revealing how AI, data, and a customer-centric approach are shaping the future of finance. He also emphasized the importance of small steps toward financial literacy to help people thrive. The interviews showcased how fintech leaders are changing the game and making an impact worldwide!

Connect and learn more:

Ali Niknam – https://www.linkedin.com/in/ali-niknam-50253913/

bunq.com

Jaidev Janardana – https://www.linkedin.com/in/jaidev-janardana-a4071b3

zopa.com

In this episode of Breaking Banks Europe, host Don Ginsel is joined by Geert Van Kerckhoven, CEO and Co-Founder of Oper, to discuss the transformation of mortgage lending through digitalization. They explore the evolving housing market, the challenges of making homeownership more accessible, and the role of technology in revolutionizing mortgage processes. Geert shares insights into the importance of digital property valuation, real-time underwriting, and AI-powered solutions for loan advisors. They also touch on regulatory hurdles, the impact of energy efficiency requirements, and innovations in financing, such as fractional ownership and reverse mortgages. Geert envisions a future where home financing evolves to meet the needs of an aging population and a more complex real estate market.

For more about Geert and Oper:
Geert Van Kerckhoven: LinkedIn
Oper: Website

As Breaking Banks Europe approaches its 6th anniversary, we’re celebrating with a special throwback! Host Matteo Rizzi welcomes back Serena Torielli, CEO and founder of WealthHype, who first joined us in Episode 3 – at the very start of our journey: https://provoke.fm/episode-3-insurtech/

In this new conversation, Matteo and Serena dive into Revolut’s explosive growth in Italy, the future of private banking, and how AI, Bitcoin, and gold are reshaping investing. They also explore regulation, stablecoins, and global market shifts, with Serena sharing her optimistic view on innovation in AI, energy, and biotech as drivers of the next financial revolution.

Connect with our guest: https://www.linkedin.com/in/serenatorielli/

In Episode 252 of News From the Fintech Front, host Roberto Capodieci is joined by fintech expert Devie Mohan, co-founder and CEO of Burnmark, known for her influential research and advocacy for bank-startup collaboration. Together, they explore the UK’s dominance in European fintech, capturing 65% of deals despite reduced funding, with highlights from Monzo’s $5.9 billion valuation. Topics include Central Bank Digital Currencies (CBDCs) focused on decentralization and privacy, alongside AI data privacy concerns due to unconsented data usage. They also discuss AI’s transformative impact on banking roles and Hong Kong’s recent virtual asset platform expansions, marking its ambition as a digital finance hub. This episode offers an insightful look into the innovations, challenges, and regulatory shifts shaping fintech today.

Connect with Devie Mohan:

In this episode, host Elizabeth Kleinveld speaks with John Lombela, founder and CEO of Axalio, about how fintech innovations are transforming the mining industry in Africa. John explains how Axalio empowers small-scale miners by providing access to modern equipment, financial education, and direct global markets, helping them increase safety, improve income stability, and reduce environmental harm. Through blockchain and geospatial technology, Axalio ensures transparency and legal compliance, while reinvesting in local communities to build schools and hospitals. The conversation also touches on expanding these solutions to Latin America and Southeast Asia.

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John Lombela: https://www.linkedin.com/in/johnlombela/

Axalio.com

Serial entrepreneur and technology leader with over 17 years of experience in managing complex projects across diverse industries. As the Founder and CEO of Axalio.com Technologies, he focuses on innovative financial solutions in emerging markets, emphasizing transparency and ethical sourcing in mining operations. John holds a bachelor’s degree from Tshwane University of Technology in South Africa and has founded multiple successful startups.

In this special 250th episode of Breaking Banks Europe, titled “Fintech in a Word,” Matteo Rizzi celebrates 500 unique guests and 5 years of the show, by leading an insightful conversation with the six hosts, each reflecting on the one word that represents the last 15 years in fintech.

Matthias Kroener emphasizes the importance of culture in shaping fintech’s future, while Paolo Sironi focuses on strategy as the key to success. Roberto Capodieci looks ahead, discussing the future of the industry and how it’s evolving. Elizabeth Kleinveld sees possibilities in every challenge fintech has faced, and Don Ginsel describes the industry’s exciting journey as a true rollercoaster. Francesca Aliverti highlights inclusion, with a special focus on emerging markets in EMEA. Finally, Matteo Rizzi shares his thoughts on the crucial role of talent, particularly upskilling through initiatives like Timepledge.org.

Join us as we celebrate 250 episodes and reflect on our favorite show moments from the past five years!

In this month’s News From The Fintech Front, host Don Ginsel is joined by guests Alex Johnson and Gabriella Orille, marking a major milestone for the show: 500 unique guests!

Key topics include the increasing role of Central Bank Digital Currencies (CBDCs) in transforming financial systems and how neobanks are strengthening ties with traditional banks to diversify their services. They also dive into the growth of Embedded Finance, reshaping consumer experiences by integrating financial services into everyday platforms, and innovations in RegTech and compliance technology to address regulatory challenges in fintech.

The episode closes with the last Fintech Groove segment, promoting the upcoming Milan Fintech Summit, where Matteo Castelnuovo interviews Alberta Pelino. Pelino, herself a summit speaker, discusses gender equality in fintech, her experience founding We Are Fibi, and her mission to close the gender gap in finance through education and empowerment.

Stay tuned as Breaking Banks Europe gears up to celebrate five years in two weeks!

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Connect with our guests:

Alex Johnson – Founder, Fintech Takes

Website: https://fintechtakes.com/

Subcribe now: https://newsletter.fintechtakes.com/

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Gabriela Orille – Independent Board Member, Denarius

Website: https://gabrielaorille.com/acerca-de/

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Alberta Pelino – President, Young Ambassadors Society and CEO & Founder Fibi

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This episode of Breaking Banks Europe explores the rise of embedded finance, its impact on businesses, and why today is the best time to be a fintech entrepreneur. Experts Nicolas Benady and Paolo Zaccardi discuss how companies of all sizes are integrating financial services through APIs, simplifying operations in a conversation with host Matteo Rizzi. Later on the “Fintech Groove” installment – Denis Gven from Wamo highlights how fintechs like his are revolutionizing banking for SMEs, offering faster onboarding, personalized services, and innovative credit solutions. The conversation also touches on the importance of maintaining a human touch in fintech, combining technology with personal interaction to support business growth effectively.

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Nicolas Benady: https://www.linkedin.com/in/nicolasbenady

Nicolas Benady is the co-founder of swan.io , a fintech platform that provides APIs for embedded banking. Under his leadership, swan.io empowers businesses to integrate banking services seamlessly, offering solutions like accounts and payments. Benady’s vision drives innovation, making advanced financial services more accessible and efficient.

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Paolo Zaccardi: https://www.linkedin.com/in/paolozaccardi

Paolo Zaccardi is the CEO and co-founder of Fabrick, a fintech platform that bridges banks and fintechs through APIs. Fabrick’s ecosystem streamlines financial operations, fostering innovation and connectivity in the industry. Zaccardi’s leadership enhances collaboration, driving forward the future of financial technology and services.

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In this episode of Breaking Banks Europe, Matteo Rizzi interviews Chiara Padua, Deputy CEO of the Fintech District and Head of the Milan Fintech Summit (MFS). They discuss the upcoming 2024 Milan Fintech Summit, its theme, “Smells Like Fintech Spirit,” inspired by music, reflecting the evolving, dynamic nature of fintech. Chiara highlights how MFS has grown since its inception in 2020, including new tracks and regional events, emphasizing the importance of in-person gatherings for networking and collaboration. She outlines key themes for 2024, such as embedded finance, sustainability, diversity, and AI, all covered in sessions titled after iconic songs. They also preview notable speakers and collaborations, underscoring the event’s community-driven ethos and positioning MFS as a hub for fintech innovation in Southern Europe. The episode provides a sneak peek into what attendees can expect, including the chance to engage with leading industry figures.

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Get your pass and be part of it!
https://www.milanfintechsummit.com/#BuyTickets
#MilanFintechSummit #MFS #MFS24

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Connect with Chiara: https://www.linkedin.com/in/chiara-padua/

In this month’s “News From The Fintech Front” host Elizabeth Kleinveld discusses recent fintech developments with guests Bruno Diniz and Ritesh Jain. They explore major fintech news, focusing on topics like the expansion of payment company Adyen into India, investments by Japan’s Credit Saison in Latin American startups, and HSBC’s involvement in open property data for smoother home buying in the UK. They also delve into Brazil’s innovative financial infrastructure, including PIX, open finance, and the central bank’s efforts in AI and data science. Furthermore, they discuss challenges in retail CBDC adoption and MasterCard’s partnerships aimed at expanding fintech opportunities in Africa and the Middle East. Throughout the conversation, the importance of financial literacy versus financial inclusion is emphasized, alongside concerns about AI biases in financial systems.

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Bruno Diniz

Managing Partner, Spiralem Innovation Consulting / Professor on Financial Innovation, University of Sao Paulo (USP) Regarded as one of the top fintech influencers in LATAM, Mr. Diniz is also an international speaker, and bestselling author of three books on financial innovation: The Fintech Phonomenon, The New Financial Logic, and The Age of Crypto-Economy.

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Dr. Ritesh Jain – Founder, Infynit
https://www.linkedin.com/in/drriteshjain/

Known for his work in payments innovation, open banking, and digital public infrastructure. He has held key roles at HSBC, VISA, Apple, and Maersk, where he developed the Apple Pay tokenization stack and led major transformations.
Dr. Jain advises global payment programs like UPI, FedNow, and PIX, and is a recognized expert in financial inclusion. He is the first to earn a PhD in Open Banking and played a crucial role in Maersk’s recovery from the NotPetya ransomware attack. He is also a trusted advisor to G20 and GPFI, an active fintech investor, and a sought-after speaker at global conferences.

In this first episode of Breaking Banks Europe, part of the Milan Fintech Summit Special 3 episode-series, host Matteo Rizzi talks with Stefania Di Bartolomeo, CEO of Physis Investment. Stefania discusses her company’s mission to empower sustainable investing through data-driven tools, enabling investors to support companies with positive societal impacts. She contrasts the U.S.’s supportive innovation ecosystem with Europe’s and highlights the importance of collaboration among entrepreneurs.

Stefania also shares Physis Investment’s new chatbot, designed to make sustainability information accessible to a broader audience. As Physis considers expanding into Europe, Milan is a potential location.

The episode wraps up with Chris Richmond, founder of Migrants, who discusses financial inclusion challenges for asylum seekers and refugees in Italy with Matteo Castelnuovo for the new segment of “Fintech Groove”. Richmond highlights the role of digital platforms and emerging technologies in building trust between migrants and financial institutions, improving access to credit and opportunities for marginalized groups.

In this episode of Breaking Banks Europe, part of the Ecosystem Zoom-In series, host Matteo Rizzi explores the dynamic fintech landscape of the Democratic Republic of Congo with guest Joel Tshilumba (Co-Founder, Ultimate Corporation). For the first time in #BBE, this special episode is presented in two languages, with the first section in English and the second in French, to honor the significant impact of francophone Africa on the continent (the YouTube video includes subtitles for wider accessibility)

The discussion dives into how the Congolese fintech ecosystem has evolved, highlighting the key players driving change and innovation. They explore the vibrant start-up scene and the increasing investment opportunities that are shaping the financial landscape. The episode also examines how traditional financial institutions are adapting to this new environment, sharing compelling stories of transformation. Joel Tshilumba provides insights into the country’s demographics and economic statistics, offering a comprehensive look at the challenges and opportunities within this rapidly growing market.

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Follow Joel:

In this month’s episode of News From The FinTech Front, host and industry extraordinaire Don Ginsel unmutes Micky Tesfaye, and Grant Easterbrook discuss the latest fintech headlines from July 2024. They explore the upcoming integration of ChatGPT into Apple devices and its potential to revolutionize personal finance by serving as a voice-based advisor. This development could lead to outcomes ranging from tech companies disintermediating traditional financial firms to strengthening big banks’ dominance or even having minimal impact on market dynamics.

The episode also covers presidential candidate President Donald Trump’s recent move to embrace cryptocurrency, including a promise to create a “national Bitcoin stockpile” and replace SEC chair Gary Gensler if re-elected. The hosts discuss Revolut’s successful acquisition of a UK banking license after a prolonged delay due to regulatory hurdles. Additionally, they highlight MNT Halan’s achievement of unicorn status with a $150 million funding round, marking its expansion beyond Africa into the Turkish SME lending market.

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Learn more about our guests:

Micky Tesfaye – Content Manager, Money20/20

Fintech enthusiast and content strategist bridging innovation and engagement. As Content Manager for Money20/20, I curate thought-provoking content that shapes industry dialogue.

Subscribe to his newsletter: https://www.linkedin.com/newsletters/7221690904741376000/?displayConfirmation=true

Connect: https://www.linkedin.com/in/micky-tesfaye/

Join Money2020: https://www.money2020.com/

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Grant Easterbrook – Longtime Fintech Consultant

Grant is a longtime fintech expert based in Amsterdam. Over the course of 13 years in the industry, Grant has been cited in the media over 200 times. He co-founded the fintech startup Dream Forward, which was acquired in 2020. Dream Forward built a specialized AI chatbot designed to help people navigate saving for retirement and other long-term financial goals. Grant also organizes the AI on the Amstel meetup in Amsterdam.

Check Grant on media: https://granteasterbrook.wordpress.com/in-the-news/

Join AI on the Amstel: https://www.aiontheamstel.nl/

Connect with Grant: https://www.linkedin.com/in/granteasterbrook/

In this episode of Breaking Banks Europe, hosts Matteo Rizzi and Don Ginsel welcome guest Bianca Lopes for a global discussion on fintech innovation, neobanks, and regulation. They begin with Revolut’s rapid growth and $13 billion expansion, comparing its evolving model to Brazil’s Nubank, which thrives with cost efficiency and minimal physical infrastructure. The conversation shifts to stablecoins, cross-border payments, and announcements from SWIFT at Sibos about new digital asset layers and near-instant international transactions. Lopes highlights the “Finance of Tomorrow” conference in Rio de Janeiro, which fosters collaboration among 17 countries’ regulators and promotes financial inclusion and responsible innovation across Latin America. They discuss Brazil’s leadership in instant payments, regulatory cooperation inspired by India’s UPI system, and global progress in open banking. The episode closes with reflections on the evolving role of central banks, financial well-being, and the human impact of inclusive fintech.

In the latest episode of Breaking Banks Europe, host Elizabeth Kleinfeld delves into the intersection of fintech and agriculture, focusing on how innovations are transforming the lives of farmers. Joining her are Trevor Sieck from Rabobank’s FoodBytes and Jake Joraanstad, CEO of Bushel.

Jake explains how Bushel’s software digitizes the grain supply chain, enabling seamless financial transactions and better data management for farmers. Trevor highlights the broader impact of such technologies, including improved sustainability and efficiency in the food sector. They discuss how fintech solutions like electronic payments and loan management are modernizing traditional agricultural practices, making it easier for farmers to access capital and manage their operations.

Tune in to discover how agri-tech and fintech collaborations are driving positive change in the agricultural sector!

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Meet the guests:

Trevor Sieck: https://www.linkedin.com/in/trevor-sieck-a27513131/

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Jake Joraanstad: https://www.linkedin.com/in/jakejoraanstad/

Dive into our latest episode, “Revolutionizing Digital Assets: The Role of Chainlink in Financial Innovation,” where we explore how Chainlink is transforming the financial landscape!

Join us as we unpack Chain.link’s innovative approach to tokenization, smart contracts, and cross-chain connectivity. Discover how their groundbreaking technology is creating new opportunities for financial institutions and reshaping the future of digital assets. From collaborations with major players like Fidelity International to the potential of blockchain for emerging markets, this episode covers it all!

Whether you’re a fintech enthusiast or new to the world of blockchain, this conversation offers valuable insights into the future of digital finance and what’s next for Chainlink.

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Connect with Sergey: https://www.linkedin.com/in/sergeydnazarov/

chain.link

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Tune in for this live episode of Breaking Banks Europe at the MoneyPot stage at Money2020 Europe, where Benjamin Fernandes, Founder and CEO of NALA, joins the show’s executive producer Matteo Rizzi, the OG fintech rebel, in a discussion on groundbreaking mobile money transfers and empowering Africans globally. Together, they envision safe, affordable, and dependable cross-border payments from the UK, US, and EU to Africa. With Rizzi’s venture into an upskilling platform via 

The TPO Network , they both lead a transformative deep dive into financial technology, driving progress and empowerment. Tune in to the MoneyPot to be part of this pivotal conversation in financial inclusion.

This week on #BBE, we highlight the Point Zero Forum conference, an organizational endeavor between Elevandi and the State Secretariat for International Finance SIF. As a media partner for the Zurich event from July 1-3, in this episode we discuss the status of displaced people and refugees, emphasizing their importance post-EU elections. Explore how fintech sectors offer solutions beyond prepaid cards, with showcases like Cardano’s blockchain and biometric ID systems by the International Rescue Committee and iRespond. Discover innovative approaches, such as UNHCR’s award-winning blockchain initiatives in Ukraine, and learn how to support efforts like those of UNHCR. And of course, don’t forget to join us in Zurich to continue this vital conversation.

Register now: https://registration.pointzeroforum.com/pzf2024/register?ref=PZF-BBE&code=PZF-MEDIAPARTNER20&c_3636463=18491865&c_3778097=19391241&utm_medium=media20&utm_source=affiliate-mp&reg_type_id=536412&utm_campaign=breaking-banks-europe

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Guests:

• Frederik Gregaard, CEO of Cardano Foundation:

• Carmen Hett, Treasurer at UNHCR

Our monthly edition of “News From The FinTech Front” puts the most recognizable thought leaders discussing the latest news for the industry and gives them space to comment, or often explain what exactly happened to our audience. This month, the Simon Taylor and Rita Martins join Elizabeth Kleinveld live at the MoneyPot podcast booth and stage at Money2020 Europe in Amsterdam,

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Connect with our guests:

Rita Martins: https://www.linkedin.com/in/ritamartins2/

Simon Taylor: https://www.linkedin.com/in/sytaylor/

http://fintechbrainfood.com/

In episode 229 of Fintech4Good, titled “Solutions for Immigrants” on Breaking Banks Europe, host Elizabeth Kleinveld welcomes Terver Bendega and Ethien Salinas to discuss their startups addressing challenges faced by immigrants. Bendega, CMO of Arrivall, shares his personal journey as an immigrant and the genesis of Arrivall, a platform offering rental guarantees, personal financing, and credit building to ease newcomers’ integration. Salinas, CTO of Íkualo, recounts his co-founder’s struggle to open a bank account, inspiring Íkualo, a financial hub for immigrants simplifying account opening and KYC processes. Both startups prioritize inclusion and empowerment, reflecting on their achievements and future plans. Bendega envisions Arrivall as a catalyst for millions of immigrant success stories, while Salinas sees Íkualo facilitating seamless financial integration. Their inspiring narratives underscore the transformative potential of fintech in fostering immigrant inclusion and empowerment.

In this episode of the Fintech4Good series on the Breaking Banks Europe podcast, host Matteo Rizzi is joined by Paula Bellizia, an influential leader in the tech industry. With over 29 years of experience, Paula has held top positions at companies like Google, Microsoft, and Apple. Currently, she is the President of Global Payments at EBANX, a company that connects global digital businesses with emerging markets. The episode focuses on Paula’s journey, highlighting her commitment to talent development, inclusiveness, and gender diversity. Matteo, who is also working on upskilling African tech talents through http://Timepledge.org , engages Paula in a discussion on her role in promoting diversity in the corporate world, including her leadership in the G20’s diversity action council. Together, they explore how technology and diversity initiatives can drive positive change in global business ecosystems.

This new installment of the Fintech4Good series delved into “Affordable Housing Loans for the Underbanked in Zimbabwe.” Hosted by Elizabeth Kleinveld, the discussion featured Vusa Chimanikire, CEO of Entry, and Tawana Muchatuta from Africa Growth. The conversation began with Entry’s mission to provide loans for affordable housing in Zimbabwe, addressing financial exclusion. They explored Zimbabwe’s economic challenges, including high interest rates hindering mortgage access. Entry’s unique assessment process, focusing on psychometric analysis and financial health, was detailed. The discussion expanded to Entry’s plans for expansion and Africa’s fintech growth potential. Resources for further engagement were shared, highlighting Entry’s commitment to rewarding financial responsibility and Africa’s promising prospects in the fintech sector.

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Connect with our guests:

Vusa Chimanikire – Co-Founder & CEO of Entry

Tawana Muchatuta – Managing Partner, Africa Growth

Matteo Rizzi representing Breaking Banks Europe at the Paris Blockchain Week, interviews Zoltan Rendes, Co-owner/Chief Marketing Officer at Sunmoney Solar Group. Zoltan discusses Sunmoney’s transition to tokenizing its assets and the benefits of blockchain technology for sustainable investing. He highlights the company’s commitment to profitability and environmental conservation, emphasizing initiatives such as tire recycling and clean drinking water solutions. Despite caution in expanding into emerging markets like Africa due to geopolitical risks, Sunmoney remains dedicated to addressing global environmental challenges. The conversation underscores the transformative potential of sustainable investing and blockchain technology in driving positive change.

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Zoltan Rendes: https://www.linkedin.com/in/zoltan-rendes-76759652/

sunmoney.com

Another month, another “News From the Fintech Front.” In Episode 223, March 2024 unfolds with the latest in fintech, hosted by Elizabeth Kleinveld. Joined by Oana Ifrim, Lead Editor at The Paypers, and David Gyori, CEO of Banking Reports London, the episode delves into the industry’s hottest topics.

Discussions center around the transition from cash to central bank digital currencies (CBDCs), Capital One’s acquisition of Discover, and its implications for competition and fintech. The episode also explores the EU’s instant payments regulation and its challenges for banks, GoCardless’s acquisition of Nuapay for addressing new use cases, and the evolving landscape of digital disruption and adaptability for survival.

Moreover, increased regulation affecting Banking-as-a-Service (BaaS) businesses, banking anomalies like Commercial Bank of Ethiopia’s glitch and talent shortages, and innovative solutions like “Monzo Mafia” startups automating coding processes are thoroughly examined.

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• Oana Ifrim: https://www.linkedin.com/in/oana-ifrim/

Lead Editor, The Paypers

• David Gyori: https://www.linkedin.com/in/davidgyoribankingreports/

CEO of Banking Reports London

August was hosted by Matteo Rizzi and the conversation features Ian Horne, Head of Content at Saxo Bank, and Sarah Kocianski, fintech consultant and former CEO of Fintech Wales, discussing major developments in the sector. They begin with AI-powered browsers, weighing opportunities for personalization against serious risks to privacy, data usage, and transparency. Klarna’s evolution from buy-now-pay-later to a full shopping ecosystem, its regulatory positioning, and plans for an IPO are explored, alongside broader BNPL growth. The panel highlights stablecoins, with Tether’s investment in Juventus and African startups signaling their role in remittances, cross-border payments, and the need for banks to provide liquidity. They also address implications for global currencies and financial infrastructure. Discussion then shifts to “agentic” AI in insurance, examining benefits of automation versus risks of mis-selling and lack of human empathy. Finally, they reflect on Africa’s rapid fintech growth, reduced U.S. funding, and Europe’s opportunity to increase investment.

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Connect with our guests:

Sarah Kocianski: https://www.linkedin.com/in/sarahkocianski

Ian Horne: https://www.linkedin.com/in/ian-horne-86335399/

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JOIN THE GLOBAL SME FINANCE FORUM – SEP 15-17, Johannesburg, South Africa: https://registration.globalsmefinanceforum.com/sme/begin?c_5950203%5B0%5D=33877891&c_5950819=33888776&reg_type_id=856543&ref=GSMEFF25-IND-PTNR-BBE02&code=GSMEFF25-IND-PTNR-BBE02

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In this episode of “Fintech4Good,” hosted by Matteo Rizzi, Chris Lawrence from the Interledger Foundation joins the conversation on financial inclusion and digital innovation. Chris shares insights into his background in open tech and philanthropy, highlighting the foundation’s mission to promote open protocols for payments. The discussion covers projects in Latin America and Africa funded by the foundation, emphasizing grassroots initiatives and university partnerships aimed at upskilling digital talent. Chris underscores the significance of open source in driving innovation and invites listeners to engage with the foundation’s efforts to reimagine digital financial inclusion. Matteo and Chris conclude with a call to action for collaboration and exploration of future possibilities in the realm of fintech for social good.

Interledger Resources:

• Website
• People’s Clearing House Grant Report
• Future/Money Podcast
• Bowie State Grant Interim Report
• Community Forum
• Developer Portal

Connect with Chris: https://www.linkedin.com/in/chrislarry/

Breaking Banks Europe is back with its “News From The Fintech Front” – February 2024 edition, this time hosted by Roberto Capodieci, and featuring UK-based Marie Walker broadcasting live from Washington and Sanjib Kalita joining from Virginia after a successful Fintech Meetup in Vegas. Walker brings expertise in financial technology and open banking, while Kalita, Chairman at Fintech Meetup, offers insights into fintech ecosystems and digital innovation. The discussion delves into 2024 fintech trends, addressing recent challenges like FTX’s troubles and the potential of AI in fintech. They explore the impact of Bitcoin’s soaring value on fintech investment and discuss the rise of Central Bank Digital Currencies (CBDCs). Walker emphasizes bundling services and process improvements as key investment areas, while Kalita highlights the importance of addressing security risks without adding friction. They conclude optimistically, foreseeing significant advancements and opportunities in fintech’s future. The episode underscores the importance of innovation, collaboration, and staying abreast of fintech developments.

In this episode of #BBE’s Ecosystem Zoom-In series, we finally reflect on The British Case. Coinciding the podcast’s inception and the historic Brexit event four years ago, this fascinating nation finally takes the spotlight of our show. Janine Hirt, current CEO of Innovate Finance, joins to discuss how Britain has risen to prominence as a global leader in nurturing innovation ecosystems, trailing only behind the US. Hirt offers insights into the evolving landscape for UK companies and also announces the upcoming 10th anniversary of the Innovation Finance Global Summit, where host Matteo Rizzi will participate. Tune in to explore Britain’s dynamic innovation and finance sector in 2024.

Connect with our guest:

Janine Hirt – https://www.linkedin.com/in/janine-hirt-4441664/

In Episode 217, Matteo delves into Poland’s dynamic FinTech landscape with Piotr Brewiński, Co-Founder of FinTech Poland, and Dariusz Mazurkiewicz, CEO of BLIK Polish Payment Standard. They dissect the country’s financial technology sector, exploring its evolution, regulatory framework, and technological advancements. Brewiński sheds light on emerging trends and collaborative initiatives propelling the industry forward, while Mazurkiewicz provides insights into the evolution of payment systems and consumer behavior. Together, they highlight Poland’s position as a key player in the global FinTech arena and discuss the challenges and opportunities facing the sector. Tune in to gain a deeper understanding of the innovative solutions and strategic collaborations driving Poland’s FinTech ecosystem toward continued growth and success.

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Connect with our guests:

Piotr Brewiński:

Co-Founder & Vice President, FinTech Poland

Dariusz Mazurkiewicz:

CEO, BLIK Polish Payment Standard

“Don’t Do Your KYC Naked,” this is sage advice from Alexander Bychkov, CEO of Embily, that is interviewed by expert Roberto Capodieici. In this episode, they navigate the smooth integration of cryptocurrency into traditional financial systems. Embily, born from Singaporean company Blockchain International Group, introduces a co-branded VISA card, enabling users to effortlessly convert digital currencies like Bitcoin, Ethereum, and USDT into cash. Bychkov shares Embily’s global vision for providing seamless business-to-business solutions while underlining the significance of regulatory compliance in the crypto realm. Tune in for profound insights into the future of finance and the transformative potential of cryptocurrencies.

Connect with Alex: https://www.linkedin.com/in/alexander-bychkov

In this episode titled “Carbon Equity 101” from the Fintech4Good series on Breaking Banks Europe podcast, host Don Ginsel engages in a compelling discussion with Jacqueline van den Ende, the co-founder and CEO of Carbon Equity. Together, they explore the core principles of carbon equity and its pivotal role in addressing climate change, emphasizing its relation to fintech. Jacqueline provides valuable insights into how Carbon Equity, showcased on CarbonEquity.com, leverages financial technology to merge environmental responsibility with investment opportunities. Through innovative solutions, they streamline carbon asset trading, promoting sustainability while creating economic value. This enlightening conversation underscores the transformative potential of fintech-driven carbon equity in building a greener, more resilient future.

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Connect with our guest:

Update time! Our Ecosystem Zoom-In series takes us back to the dynamic landscape of the Nigerian Ecosystem, this time hosted by Elizabeth Kleinveld and with guests Babatunde Ogundipe (E-Doc Online) and Uwem Uwemakpan (Launch Africa). Building upon the foundations laid in our December 2020 episode with Lexi Novitske and Iyinoluwa Aboyeji, Kleinveld explores the remarkable transformations that have unfolded over the past three something years. This deep dive into Nigeria unveils the evolving narrative of innovation, challenges, and triumphs, providing invaluable insights into the ever-changing entrepreneurial landscape. Join us for a nuanced exploration of Nigeria’s progress and the unfolding stories that shape its vibrant ecosystem.

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Babatunde Ogundipe

Uwem Uwemakpan

In this engaging podcast episode hosted by Paolo Sironi, and joined by Bruno Macedo and Natasa Kyprianidou the discussion delved into the dynamic landscape of financial technology. The JPMorgan Chase latest announcement kicked off the conversation by revealing a staggering increase in hacking attempts, reaching 45 million cyber attacks daily, highlighting the evolving sophistication of fraudsters.

The exploration continued with insights from the IBM Institute for Business Value’s research on embedded finance, envisioning the “emergence of an everywhere, everyday bank”. Davos 2024 took center stage, emphasizing generative AI regulation, climate change, and conflict as pivotal topics in elite discussions.

The episode transitioned to legal matters, touching on the New York Times’ lawsuit against Microsoft and OpenAI for alleged copyright infringement, raising questions about AI tools using content without permission. Temenos’ Bruno Macedo contributed to the conversation with revelations about how Generative AI is poised to positively transform the face of banking.

Samsung’s Galaxy S24 Series ushered in a new era of Mobile AI, promising barrier-free communication, creativity, and endless possibilities. The guests shared their “WOW moments,” highlighting the rise of Chief Product Officers in Financial Services and the potential impact of splitting savings optimally.

The podcast concluded with a glance at JPMorgan Chase’s strategic move, leading a $300 million funding round in a quantum computing firm, showcasing the industry’s commitment to embracing cutting-edge technologies.

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Connect with our guests:

Bruno Macedo: https://www.linkedin.com/in/armindom/

Technology Evangelist at Temenos, Founder FusionAlgo

Natasa Kyprianidou: https://www.linkedin.com/in/natashakyprianides/

Independent FS Consultant, Founder of Fintecher Stories Newsletter

In this episode of “Disruption Stories,” host Roberto Capodieci engages in a insightful conversation with Raphaël Haupt, the visionary CEO and founder of Toucan Protocol. Our guest took the lead in exploring (and explaining) the fascinating realm of Regenerative Finance, a discussion that not only delves into innovative financial models, redefining DeFi, but also prompts reflection on our collective responsibility towards the planet. Haupt boldly advocates that “Carbon Credits should be your last choice,” challenging the conventional approach to the topic. Join us in uncovering the impactful journey of Toucan Protocol and the crucial dialogue on reshaping our behaviors for a sustainable future in this compelling episode, wrap up with the promise for more.

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Follow Raphaël and Toucan:

Linkedln: https://www.linkedin.com/in/raphaelhaupt/

toucan.earth

Breaking Carbon presents an illuminating episode, “Carbon Accounting 101,” featuring host Matteo Rizzi and Dr. Alexander Schmidt, Head of Science, Sustainability, and Climate Research at Normative.io. Matteo and Alex immediately clicked for the live coverage of Nordic FinTech Week and promised to turn it into a fully-fledged episode for our audience. The discussion revolved around Normative.io as a cutting-edge, automated carbon accounting engine. Dr. Schmidt delves into the company’s genesis in 2014, aligning with The Paris Agreement, and his role as a crucial link between academia, research, and technological application. The conversation explores the nuanced aspects of carbon management in sustainable investments, shedding light on Normative.io ‘s specific missions and products. The dialogue also delves into the real-time challenges of maintaining metric accuracy amidst the rapidly evolving environmental landscape. Concluding with insights in the new generations demands for better education and actionable plans — the episode offers a comprehensive exploration of Normative.io ‘s (and Dr.Schmidt’s himself) pivotal role in advancing environmental sustainability and shaping the green economy.

Connect with Alex:
https://www.linkedin.com/in/schmidt-alexander-dr/
Learn more about Normative.io
Read their white paper: https://normative.io/insight/financial-services-white-paper/

In this episode, host Elizabeth Kleinveld is joined by Leon Ifayemi (CFIT) and Kristy Duncan (Women in Payments) to unpack the latest in global fintech. The discussion covers Europe’s shifting financial landscape, with Wise and Starling Bank eyeing US listings—raising questions about Europe’s competitiveness. The EU’s new Anti-Money Laundering Authority takes aim at crypto risks, while the US pushes ahead with stablecoin regulation. Guests explore the UK’s Smart Data Initiative, EU Digital ID Wallet rollout, and the Mansion House Leeds Reforms, all shaping future innovation. The episode also spotlights funding rebounds, strategic mergers, and female leadership in fintech, including Revolut’s appointment of Beatrice Cossa-Dumurgier and Blythe Masters’ return to JPMorgan. From regulation to cross-border payments, this conversation dives deep into how policy, technology, and leadership are driving the next phase of financial services.

In the latest NFF of the year, FTS Group’s founder, Francesca Aliverti, orchestrates a discussion with Lex Sokolin and Richard Turrin, unraveling the tumultuous year of 2023 in crypto. From SBF’s guilt in the FTX scandal to historic settlements, including CZ and Binance, and Kraken under SEC scrutiny—the crypto market surged amid unpredictability. Shifting focus, the conversation explores CBDCs, spotlighting the European Central Bank’s plans and China’s digital yuan success, particularly in an intriguing oil purchase. The discussion then turns to the regulatory landscape, contrasting US and European approaches to AI, prompting a debate on the balance between innovation and regulation. Concluding with a few fintech predictions – tune in for a concise yet comprehensive exploration of pivotal financial trends.

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Connect with our guests:

• Richard Turrin – https://www.linkedin.com/in/turrin/
• Lex Sokolin – https://www.linkedin.com/in/alexeysokolin

In this episode of Breaking Banks Europe’s ConQuest series, host Roberto Capodieci engages in a revealing conversation with DEYO, a Canadian-based scam buster boasting six years of scambaiting experience. From unraveling catfishing schemes to witnessing heartbreaking fake wedding scams and exploring the bizarre world of miraculous inheritance emails, DEYO shares insights into his scambaiting journey. The discussion expands to radio prank calls, impersonating a famous football player, and watching cartel scams unfold with shocking scenarios. DEYO’s favorite, tech support scams, highlights the evolving landscape of online deception. The conversation also emphasizes the importance of legislation and financial institutions becoming more attuned to money movements, shedding light on the crucial role they play in curbing scams. Join them for a thought-provoking exploration into the dynamic realm of scams and the strategies to combat them effectively.

Follow DEYO: https://www.youtube.com/@DEYOCLUB/podcasts

In the latest NFF of the year, FTS Group’s founder, Francesca Aliverti, orchestrates a discussion with Lex Sokolin and Richard Turrin, unraveling the tumultuous year of 2023 in crypto. From SBF’s guilt in the FTX scandal to historic settlements, including CZ and Binance, and Kraken under SEC scrutiny—the crypto market surged amid unpredictability. Shifting focus, the conversation explores CBDCs, spotlighting the European Central Bank’s plans and China’s digital yuan success, particularly in an intriguing oil purchase. The discussion then turns to the regulatory landscape, contrasting US and European approaches to AI, prompting a debate on the balance between innovation and regulation. Concluding with a few fintech predictions – tune in for a concise yet comprehensive exploration of pivotal financial trends.

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Connect with our guests:

• Richard Turrin – https://www.linkedin.com/in/turrin/
• Lex Sokolin – https://www.linkedin.com/in/alexeysokolin

It’s time for some “News From the Fintech Front”, and what a November it was! Together with host Matteo Rizzi alongside esteemed guests Jas Shah and Helen Yu, the conversation traverses the buzzing fintech sphere, exploring rumors (or not so much of a rumor?) of Alphabet Inc.’s potential investment in Monzo and the unwinding of Apple’s partnership with Goldman Sachs for its credit card. The dialogue expands to discuss Intuit’s decision to shut down its popular Mint budgeting tool, sparking reflections on the broader landscape of Personal Finance Management (PFM). The hosts dissect Binance’s CZ and SBF trials, pondering the future of crypto amidst rising trends and the importance of trust. The episode takes a closer look at the UK Government’s ambitious smart data expansion, questioning the magnitude of its impact. The episode also touches on the OpenAI Saga, emphasizing the importance of a savvy board in navigating pivotal moments. To cap off this engaging episode, Matteo draws an analogy between the unfolding events and the real-world entrepreneurship dynamics, linking the drama to HBO Max’s “Silicon Valley (2014).”

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Connect with the guests:

• Jas Shah: https://www.linkedin.com/in/jas-shah/

Independent Fintech Consultant and Advisor

Subscribe to his newsletter: https://jasshah.substack.com/p/fintech-r-r-1033-us-open-banking-deep-dive

• Helen Yu: https://www.linkedin.com/in/yuhelenyu/

CEO of Tigon Advisory Corp; Fintech Board Director

Subscribe to her newsletter: https://www.linkedin.com/newsletters/cxo-spice-newsletter-6936095680272769024/

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