Raghu Yarlagadda is the Co-founder and CEO of FalconX, the leading institutional digital asset prime brokerage.

In the last year, FalconX has done $1 trillion in trading volume across spot and derivatives.

FalconX is an incredible success story, starting early and growing alongside broader institutional adoption of crypto and digital assets. With current regulatory tailwinds, the company is extremely well positioned to accelerate growth even further. FalconX has raised nearly $500m, most recently at an $8 billion valuation, from investors including Accel, GIC, B Capital, Altimeter, Thoma Bravo, Tiger Global, Lightspeed, Wellington and many more.

Please enjoy today’s conversation with Raghu Yarlagadda.

Today we’re joined by Bhaji Illuminati and Jürgen Blumberg.

Bhaji is CEO of Centrifuge, one of the original players in the RWA space. Jürgen is a former Goldman ETF exec and, as of recently, COO of Centrifuge and CIO of Anemoy, it’s asset management arm.

In this conversation, Bhaji, Jürgen and Will Beeson dive into the evolution of investment management toward an on-chain markets future. We discuss the early growth of the tokenized financial asset market, similarities with the early days of ETFs, current on-chain investment capital pools and investor demands, the interplay between stablecoin growth and tokenized assets, use cases and distribution strategies for assets across the risk curve, the relationship between DeFi and TradFi, future market expectations, and much more.

Laszlo Szabo is the CEO and Co-Founder of Kiln, a staking infrastructure provider backed by 1kx, Crypto.com, Wintermute, GSR, Kraken Ventures, Consensys and others. Diana Biggs is a partner at 1kx, a crypto VC that has led rounds in companies including Arweave, Pudgy Penguins, Rarible, Wallet Connect and many more.

In this conversation, Laszlo, Diana and Will Beeson break down the staking opportunity and Kiln’s view of the space and also use it as a jumping off point to explore 1kx’s investment strategy.

Specifically, we discuss staking as a crypto primitive, its potential to supercharge consumer and institutional crypto use cases, the investment thesis behind staking infrastructure, technical considerations and more.

Seth Rosenberg focuses on fintech at Greylock, one of Silicon Valley’s most storied venture firms, with noteworthy investments including LinkedIn, Facebook, Airbnb and many more.

In this conversation, we talk through Greylock’s fintech thesis, Seth’s view of where the industry is going and the way the firm looks at investments in general. We reference a deck Greylock published, accessible here.

In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.

Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.

For more information about our services, please visit www.bankingthefuture.com.

Thank you very much for joining us today. Please welcome, Seth Rosenberg.

Mike Massaro is the CEO of Flywire, a Boston-based payments company.

Flywire specializes in large-value payments for education, healthcare and travel. Flywire has raised over $140 million from leading investors including Spark Capital, Fidelity’s F-Prime, Bain Capital, Temasek, Accel Partners and QED Investors.

In this conversation, Mike and I discuss the drivers and implications of recent consolidation in the payments industry, existential threats to payments incumbents and the trend of payments integration into vertical software platforms.

In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.

Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.

For more information about our services, please visit www.bankingthefuture.com.

Thank you very much for joining us today. Please welcome, Mike Massaro.

Ryan Gilbert is a General Partner at Propel, a San Francisco-based venture firm with investments in companies including Coinbase, Personal Capital, Trussle, Prosper and many more.

Prior to joining Propel, Ryan founded and ran SmartBiz loans, a leading SBA loan originator.

In this conversation, we explore a few interesting fintech verticals, including mixed commerce, insurtech and payroll benefits, by way of recent investments Ryan has made.

In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.

Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.

For more information about our services, please visit www.bankingthefuture.com.

Thank you very much for joining us today. Please welcome, Ryan Gilbert.

Sankaet Pathak is the Founder and CEO of Synapse, a platform banking provider. 

Fresh off a Series B led by Andreessen Horowitz, Synapse is operating at the leading edge of the potentially massive platform banking trend.

In this conversation, we discuss the issues with existing sponsor banking infrastructure, examples of new propositions that can be created using a platform like Synapse and the implications of big tech and non-banks increasingly surfacing banking and financial services products within their offerings.

In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.

Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.

For more information about our services, please visit www.bankingthefuture.com.

Thank you very much for joining us today. Please welcome, Sankaet Pathak.

Donna Parisi is a Derivatives Partner and Global Head of Financial Services and Fintech for Shearman & Sterling, a leading global law firm.

In addition to her work on a range of derivatives, structured products, securitization, capital markets and commodities matters, Donna has built specific expertise in crypto, tokens and digital assets, which are the subject of our conversation today.

Donna and I discuss regulatory frameworks and institutional infrastructure for digital assets, where the space is going and why. You’ll note that we intentionally don’t dig into Facebook’s Libra project, which I may pick up in a standalone episode in the future.

In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.

Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.

For more information about our services, please visit www.bankingthefuture.com.

Thank you very much for joining us today. Please welcome, Donna Parisi.

Jon Stein is the Founder and CEO of Betterment, one of the world’s leading digital investments companies.

We first connected with Jon in January 2018 in a great episode that’s still very relevant today. Since then, Betterment has added $4 billion in assets under management to its platform, and today, they’re launching checking and savings accounts as they extend their offering into banking.

This move is a compelling one at a time when consumer fintechs are increasingly extending early product sets in pursuit of comprehensive financial services offerings.

In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.

Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.

For more information about our services, please visit www.bankingthefuture.com.

Thank you very much for joining us today. Please welcome, Jon Stein.

The subject of today’s conversation is design in financial services.

We talk all the time about the new customer experiences shaping the evolution of finance, generally focusing on the implications of those forces and others on the trajectory of the industry. Today, we take a closer look at those experiences themselves, through the eyes of the people designing them.

The first voice you’ll hear after Will's is that of Yenny Otero, Head of Design at TSB. The following speaker is Nick Haley, Product Design Principal at Idean, a design agency. The fourth and last voice that enters the conversation is that of Noel Lyons, Experience Design Director at Barclays.

Design is an increasingly important function in financial services, with organizations around the world embedding it in product development and leveraging it for better traction, engagement and ultimately, monetization.

In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.

Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.

For more information about our services, please visit www.bankingthefuture.com.

Thank you very much for joining us today. Please welcome, Yenny Otero, Noel Lyons and Nick Haley.

The investments space is changing as fast as any other financial services vertical, with roboadvisors, free stock trading apps, contextual behavioral experiences, software automation, AI, new pricing structures and crypto all shaping the future direction of the industry.

Today, we discuss the current state and likely future of the space with two of the leading firms in the industry.

Chris Worle is the Chief Digital Officer at Hargreaves Lansdown, the UK’s leading retail investments platform. Joe Parkin leads the UK iShares business and digital wealth for Northern Europe at BlackRock, one of the world’s leading investment firms.

This conversation is a great complement to past episodes with Nutmeg, Betterment and Scalable Capital exploring the evolution of investment management.

In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.

Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.

For more information about our services, please visit www.bankingthefuture.com.

Thank you very much for joining us today. Please welcome, Chris Worle and Joe Parkin.

Paul Taylor is the founder and CEO of Thought Machine, a cloud native core banking platform.

We first connected with Paul in November 2017, where we walked through his background as a Google AI engineer and the origins of Thought Machine.

Today, we zoom out and update, digging deeper into what drives banks’ decisions to modernize core infrastructure and how, what approaches are best for what organizations and who is furthest along in the journey.

In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.

Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.

For more information about our services, please visit www.bankingthefuture.com.

Thank you very much for joining us today. Please welcome, Paul Taylor.

Michael Rolph is the co-founder and CEO of Yoyo, a payments, loyalty and receipt app enriching commerce for customers and merchants.

The payments space has been actively lately, as incumbents consolidate and startups seek new attack vectors leveraging open banking, native device components, tokens and other emerging technologies.

Michael brings a value perspective to recent developments in the space and talks through where payments might be headed.

In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.

Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.

For more information about our services, please visit www.bankingthefuture.com.

Thank you very much for joining us today. Please welcome, Michael Rolph.

Luca Prosperi is the founder and CEO of M^0, a stablecoin issuance protocol reimagining how money is created.

We first connected with Luca in May 2023, shortly after M^0’s seed round. Fast forward a year, and the company has now raised $60 million, launched on mainnet and facilitated the issuance of over $40 million in stablecoins with its initial network participant.

In this conversation, Luca and Will Beeson discuss his vision for a new money creation paradigm, institutional product/market fit in stablecoins, why crypto finance is different from blockchain for banks, overcoming the cold start problem in stablecoin distribution and network creation, the direct parallels between traditional finance and the use cases M^0 is building and more.

Matt Harris is a partner at Bain Capital Ventures focused on fintech and financial services.

Matt is a fintech legend in New York. Everyone I talked to about this conversation knew Matt and sang his praises effusively. 

Matt has been an early stage investor since 1997, which is basically forever in fintech years. His portfolio includes Acorns, IEX, Roofstock, SigFig and many more. 

Matt has highly developed views about the future of payments, lending, banking and investing, which we work through in our discussion.

In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.

Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.

For more information about our services, please visit www.bankingthefuture.com.

Thank you very much for joining us today. Please welcome, Matt Harris.

Samvit Ramadurgam is the Co-Founder & President and Kelly Rodriques is the CEO of Forge, a secondary market for private shares.

Forge provides access to shares of virtually all of the top 50 privately held tech startups, including Slack and many more, and offered trading in the likes of Spotify, Dropbox, Snap and DocuSign before they IPOed. According to Crunchbase, Forge has raised $88.5m from investors including Peter Thiel, Tim Draper, FT Partners and others.

Unlike earlier players in the space, Forge has focused on building out a robust technology platform, including institutional grade clearing and custody infrastructure to support global counterparties.

Forge’s proposition is particularly relevant as companies stay private for longer. More investor value is captured pre-IPO, so access to private shares is important. Additionally, because IPOs happen later, early employees are often unable to access liquidity for years, making it difficult to buy homes or diversify risk.

We dig into all of these issues with Samvit and Kelly.

In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.

Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.

For more information about our services, please visit www.bankingthefuture.com.

Thank you very much for joining us today. Please welcome, Samvit Ramadurgam and Kelly Rodriques.

Dee Choubey is the Founder and CEO of MoneyLion, a digital bank combining a comprehensive financial offering with AI-driven personalized guidance.

With four million users and counting, MoneyLion aspires to build a private bank for the middle class, initially by providing financial access, education and advice to Americans underserved by the financial system.

I find MoneyLion’s vision highly compelling. As we’ve said before on the podcast, it feels like many B2C fintechs are converging to the same place. MoneyLion, on the other hand, has sought to be there from day one.

Dee and I connected at MoneyLion’s beautiful downtown San Francisco office, which meant sirens, honking horns and general urban background noise. We hope you’ll bear with us, as the conversation itself was excellent.

In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.

Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.

For more information about our services, please visit www.bankingthefuture.com.

Thank you very much for joining us today. Please welcome, Dee Choubey.

Ryan King is the Co-Founder and CTO of Chime, one of the leading digital banks in the US. Chime offers free banking to over three million customers, helping them save hundreds a year on banking and gain control of their financial lives.

This episode was recorded at LendIt in San Francisco. A huge thanks to Peter Renton and his team for inviting us to participate.

As listeners know, digital banking is a space we follow closely. The US is a fascinating market to watch, given the importance of spending, borrowing and investing, prevailing incumbent pricing structures, digital penetration and customer expectations. And with the number of well-funded fintechs converging on comprehensive digital financial offerings, including Robinhood, Acorns, Betterment, MoneyLion, Chime, Varo and others, not to mention European digital banks like Monzo, N26 and Revolut, the space will get competitive fast.

In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.

Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.

For more information about our services, please visit www.bankingthefuture.com.

Thank you very much for joining us today. Please welcome, Ryan King.

Erin Collard is Co-Founder of Blend, a digital mortgage origination platform. Blend sits atop incumbent systems and digitizes the mortgage process, massively reducing costs for lenders and expediting origination.

Blend’s software is compelling. So compelling, in fact, that 25% of the market now uses Blend’s technology to originate $1 billion of US mortgages every day.

Blend has raised $160 million from leading investors including Greylock and Founders Fund.

Erin has a fascinating background, which he runs through to kick us off.

In addition to the insights we deliver through our podcast and newsletter, Rebank offers advisory services to fintechs, banks and corporates.

Drawing on our experience starting, running and advising fintech businesses and our vast network of the most impactful fintech entrepreneurs, investors and innovators around the world, we help companies make sense of fintech, work through specific questions and optimize proposition and strategy.

For more information about our services, please visit www.bankingthefuture.com.

Thank you very much for joining us today. Please welcome, Erin Collard.

Michael Sidgmore is a Partner at Broadhaven, a market leading fintech investment bank and venture firm, with clients including ICE and the CBOE and investments including MoneyLion and ScaleFactor.

Prior to joining Broadhaven, Michael built the sales team at iCapital, now a multi-billion dollar platform giving investors access to leading alternative investment funds at low minimums.

Michael is close to the ground when it comes to US fintech, with an interest in Latin American as well.

In this conversation, Michael shares his views on SMB plays, opportunities in Latin America, platform trends, solutions for the gig economy and more.

Thank you very much for joining us today. Please welcome, Michael Sidgmore.

Catherine Wines is the Co-Founder of WorldRemit, one of the world's foremost digital remittance providers. 

Founded in 2010, WorldRemit has raised over $220 millionfrom Accel, LeapFrog and TCV. The platform lets users send money to friends and family in 150 countries, giving people in developing countries access to the financial system at a fraction of the cost of traditional remittance providers. In doing so, WorldRemit empowers local communities, especially women, as Catherine explains.

WorldRemit is creating huge value and solving massive problems. It's great to speak with founders as mission-driven as Catherine.

Thank you very much for joining us today. Please welcome, Catherine Wines.

Nick van Eck is the co-founder and CEO of Agora, a US-based stablecoin issuer backed by Dragonfly, General Catalyst, Galaxy, Consensys, Wintermute, Flowdesk, Kraken Ventures and more.

Agora’s strategy is to build distribution through B2B partners via a revenue sharing model, in which all parties that contribute to Agora’s stablecoins’ success share in the upside. 

Prior to founding Agora, Nick worked at General Catalyst, a leading Venture Capital firm. 

Nick’s grandfather started VanEck Global, a US ETF and mutual fund manager, in 1955, which informed much of Nick’s thinking about markets and the economy. Today, VanEck Global manages $100 billion across a range of products, including recently launched Bitcoin and Ethereum ETFs.

In this conversation, Nick and I discuss crypto as an asset class and parallels to gold and other investments, the current state of the stablecoin industry and its future trajectory, Agora’s thesis vis-à-vis incumbent stablecoin issuers like Circle and Tether, Agora’s business model and the details of its go-to-market, and much more.

Vinoth Jayakumar runs fintech investments for Draper Esprit, a premier venture capital firm and backers of the likes of Revolut and TransferWise. 

Today we grapple with the backend infrastructure of banking, updating on a subject we’ve covered in the past with 10x, ThoughtMachine, Mambu and others. These and other players have continued to build, recently signing big name clients that expect the future of core infrastructure to be provided by fintechs. 

This is a complex subject, and we didn’t cover everything. We’d love to get your thoughts on the subject on Twitter @RebankPodcast. 

If you enjoy today’s episode, please take 30 seconds to leave us a review on Apple Podcasts. 

Today, we have a very special episode for you. Last week in London, we put on a live event, supported by leading reputation management consultancy Lansons, whose clients include Lloyds, Allianz, Atom Bank, BlackRock, Fidelity, Hargreaves Lansdown, JP Morgan, Invesco, Societe Generale, Vanguard, AXA and many, many more.

The topic of discussion was Crypto 2.0, Is Crypto Finally Getting Real?

Considered fringe for most of the past few years, crypto and associated technologies potentially represent a meaningful force in mainstream financial services as they mature.

Joining us to explore the near future in crypto and the implications for banking, finance and society as a whole are Lex Sokolin, Luis Carranzaand Alexi Esmail-Yakas. Each introduces himself at the opening of the discussion, so I won't duplicate it here.

If you enjoy today's episode and are interested in future live events in London, the US and around the world, please subscribe to our newsletter at bankingthefuture.com.

Thank you very much for joining us today, and a huge thanks to Lansons for hosting this event.

Ricky Knox is the Founder and CEO of Tandem, a UK digital bank.

It's a fascinating time in digital banking, as tech-forward banks in the UK, US, Europe and elsewhere race for product and geographic coverage and players like Apple and Goldman Sachs, who recently announced a credit card partnership, encroach on retail banks' turf.

I thoroughly enjoyed this conversation. As you’d expect, Ricky brings a lot of insight to this topic.

If you enjoy today’s episode, please take 30 seconds to leave a review on Apple Podcasts.

Thank you very much for joining us today. Please welcome, Ricky Knox.

Francesco Simoneschi is the Co-Founder and CEO of TrueLayer, an Open Banking API platform.

Since Open Banking went live early last year, progress has been slow, and reviews have been mixed. At the same time, companies like Plaid and Quovo in the US and Tink and Bud in Europe have raised eight- and nine-figure rounds to scale platforms to support the innovations Open Banking promises.

TrueLayer is squarely in the mix of leading Open Banking API platforms, quickly rolling out functionality and seeking full coverage of Europe by the end of the year.

If you enjoy today's episode, please leave us a review on iTunes.

Thank you very much for joining us today. Please welcome, Francesco Simoneschi.

Lex Sokolin started a roboadvisor way back in 2009, which was eventually sold to AdvisorEngine. As a result of that experience, and the strategy and advisory work he's done since, Lex has unique insight into the evolution of the digital investments space, one of the fastest moving areas of fintech today.

If you enjoy today's episode, please leave us a review on iTunes.

Thank you very much for joining us today. Please welcome, Lex Sokolin.

SME banking is a particular interest of mine, as long-time listeners know.

We've covered it from a number of angles on Rebank, including challenger banking with OakNorth, digital lending with iwoca and Spotcap, payments with GoCardless and support services with Xero, to name a few.

If one area of fintech has been getting increasing interest lately, it's SME banking, and it's about time.

Last week, Pool A of the RBS Capability & Innovation Fund was allocated, with massive cash grants going to winners Metro Bank, Starling and ClearBank to enhance existing business current account offerings. The cash injections are sure to shake up competition in the space.

Today, we're joined by Richard Davies to talk through recent developments and the broader trajectory of the space. Richard runs business banking and sits on the Executive Committee at TSB, the UK's 7th largest bank.

If you enjoy today's episode, please take 30 seconds to leave us a review on iTunes.

Thank you very much for joining us today. Please welcome, Richard Davies.

Rishi Khosla is co-founder and CEO of OakNorth, one of the world's best funded and fastest growing fintechs.

We've had OakNorth on the podcast a few times before. In the past, I've generally referred to OakNorth as a challenger bank, which they were, but the company has developed beyond that description.

From its savings & lending origins, OakNorth has evolved into a world-class technology platform with a banking license, recently backed by investors, including SoftBank, to the tune of $440m, the largest ever fintech investment in Europe.

Prior to starting OakNorth, Rishi and his business partner Joel Perlman founded and sold Copal Amba, an outsourced financial research company acquired by Moodys.

It's energizing talking to great entrepreneurs like Rishi. I thoroughly enjoyed this conversation, and I hope you do too.

Thank you very much for joining us today. Please welcome, Rishi Khosla.

If you enjoy today's episode, please take 30 seconds to leave us a review on iTunes.

Thank you very much for joining us today. Please welcome, Nicolas Colin.

Anytime I find myself thinking how much progress has been made in digital banking over the past 6 or so years, I stop to consider how much further we'll go from here. It feels like so much has happened since the paradigm shift brought about by the iPhone and the global banking crisis of 2008.

No one knows that better than Anthony Thomson.

Anthony is by any measure one of the most prolific banking innovators of the past decade. Anthony is the Co-Founder and former Chairman of Metro Bank and Founder and former Chairman of Atom Bank. As if that weren't enough, he's now the Co-Founder and Chairman of 86 400, a new digital bank in Australia.

Over the course of his career, Anthony has raised close to a $1 billion (and counting) in investment and helped shape the current global banking landscape.

What are the most important problems banking and fintech can solve? Are we thinking enough about the deepest customer needs or just iterating within existing financial services verticals?

Let us know what you think on Twitter @rebankpodcast.

If you enjoy today's episode, please take 30 seconds to leave us a review on iTunes.

Thank you very much for joining us today. Please welcome, Anthony Thomson.

Lex Sokolin is the co-founder and Managing Partner of Generative Ventures, a crypto and AI focused venture firm. 

Lex also publishes research and analysis at Fintech Blueprint, one of the best fintech, crypto and emerging tech newsletters out there. 

In this conversation, Lex and I discuss his thesis at Generative Ventures, which invests in the financial infrastructure powering the machine economy. 

Lex is a deep thinker focused on the leading edges of what’s currently possible. We're lucky to welcome him back on the podcast.

Thank you very much for joining us today. Please welcome, Lex Sokolin.

We've seen a slow evolution in fintech from the early days - transitioning from disruptors and disintermediators to partners and platforms. Where do we go from here?

Tim Levene is the Founder and CEO of Augmentum, a fintech venture capital firm.

Prior to starting Augmentum, Tim worked for Bain, started London restaurant chain Crussh and founded Flutter.com, which merged with Betfair in 2001, at the beginning of the latter's rise to prominence.

Augmentum has invested in companies including Zopa, Seedrs, Interactive Investor, Tide, DueDil and more.

What's in store for fintech in 2019? Let us know on Twitter @rebankpodcast.

If you like today's episode, please take a second to rate us on iTunes.

Thank you very much for joining us today. Please welcome, Tim Levene.

The US could be one of the most lucrative markets for digital banks, but few new entrants have launched there. Why? How ripe is the opportunity, really?

Monzo, N26 and Revolut have all stated intentions to launch in the US, though none have yet navigated the regulatory requirements.

Colin Walsh is the CEO and co-founder of Varo Money, which is on track to become the first mobile-centric national bank in U.S. history.

Prior to founding Varo, Colin spent 25 years in consumer banking at American Express, Lloyds Banking Group and Wells Fargo.

How successful will digital banking startups be in US? Let us know on Twitter @rebankpodcast.

If you like today's episode, please take 30 seconds to rate us on iTunes and share it with a friend.

Thank you very much for joining us today. Please welcome, Colin Walsh.

Should people outside fintech care about fintech? Today, we're joined by Brad Goodall, serial entrepreneur and founder of Banked, to discuss.

Open Banking is hands down one of the most relevant themes in 2018, with legislation taking effect in Europe and the UK and being replicated and expanded in countries like Australia.

But so far, we've seen anything but tangible impacts from Open Banking, including products, services and new customer experiences.

Why?

To start with, banks dragged their feet in terms of implementation, and startups have been unable to deliver cross-platform experiences they imagined.

We've also taken a narrow view of what Open Banking means and how it will be leveraged.

This is where Brad comes in. Brad brings a richer perspective to Open Banking and sees it as an opportunity for much of banking to shift away from traditional financial services providers and over to consumer brands more relevant to customers.

In this conversation, Brad helps us think about how much fintech actually matters to people outside fintech - and whether the industry is getting excited about the right things.

Do you have a view? Join the conversation onTwitter, LinkedIn or on our website at bankingthefuture.com.

If you like today's episode, please take 30 seconds to rate us on iTunes and share us with a friend.

Thank you very much for joining us today. Please welcome, Brad Goodall.

Should we look to governments, philanthropists or entrepreneurs to solve our problems?

We're joined by Sean Park, Founder of Anthemis, a fintech-focused venture capital firm, to discuss.

There's a strong school of thought in the West that the private sector and market dynamics are sufficient to optimize economic, political and social outcomes. Is that true?

Thinkers like economist Carlota Perez believe that government plays an important role in directing private sector activity to enable true innovation.

The Chinese government is actively prioritizing AI research in an effort to become the world leader in the next wave of technological progress.

A growing group of voices in the West is reminding us of the role the US government played in the development of the Internet and calling for renewed public sector involvement in business.

Sean was an early investor in Climate Corporation, Markit, Betfair and Zoopla and is widely recognized as a leading independent thinker on the future of financial services

Do you have an opinion on this subject? Contribute to the conversation on Twitter, LinkedIn or on our website at bankingthefuture.com.

If you like today's episode, please take 30 seconds to rate us on iTunes and share us with a friend.

Thank you very much for joining us today. Please welcome, Sean Park.

Welcome to the third instalment of our Founder Sessions series.

Tom Blomfield is the Founder & CEO of Monzo, one of the UK's leading digital banks. 

For Tom's full backstory, check out Rebank Episode 17, when we first connected with him. For an update on Monzo, including recently hitting the million customer milestone, check out Episode 108.

Special thanks to everyone who responded to our request and rated and reviewed Rebank on iTunes. We've seen a marked boost to listenership already.

Thank you very much for joining us today. Please enjoy today's episode with Tom Blomfield.

Bhanu Kohli is the co-founder and CEO of Layer2 Financial, a B2B payments company leveraging stablecoins for faster, cheaper payment processing.

Mike Giampapa is General Partner of Galaxy Ventures, focusing on the intersection of crypto and financial services, security & DeFi applications, and developer tooling. 

In this conversation, Bhanu, Mike and Will Beeson discuss real economy applications of stablecoins, including payments. We compare Layer2’s performance, economics and business model with traditional payments companies and look at potential applications for stablecoins in financial markets more broadly. This conversation was a fantastic look at a rapidly scaling, real-world use case for crypto and the disruptive potential of blockchain as financial infrastructure.