- Fintech – General
- Alternative Finance – Overview
- App Banks
- Alternative Finance – Direct Lending
- Alternative Finance – Equity
- Alternative Finance – Invoice, Trade and Supplier Finance
- Alternative Finance – P2P/Marketplace Lending/Borrowing
- Banking & Payments
- Capital Markets
- Digital Currencies
- Geographical Region Overviews
- Investment & Trading
Fintech – General
A great place to start is LFP145 in which I review a decade of fintech. LFP094 the 2019 New Year Special covers an assessment of the major Fintech subsectors, how well (or not), they are doing and a report card for them. Historians may checkout 2014’s LFP001 “Fintech The 30,000 Feet Overview” – what is FinTech? how big is it? why is it important? why is it happening now? .
In LFP162 Vinoth Jayakumar Partner at Draper Esprit who have investments in the likes of Revolut, Transferwise, Thought Machine, Seedrs, Crowdcube and Freetrade – and so know more than a thing or two about Fintech 😀 – talks to us about the Past, Present and Future of UK Fintech
In LFP177 Nigel Verdon, thrice Fintech founder, joins us to discuss in the light of the UK Government’s 2021 Kalifa report into Fintech .
How do you get a job in the Tech sector (across all functions). In LFP133 Ellis Seder joins us to discuss how we can all make ourselves more recruitable and get the gigs we want.
In LFP153 Julian Cork, COO of Landbay takes us through a case study of how the BTL mortgage market is responding to the changes and how Landbay are managing a remote working company.
In LFP155 Albert Azis Clauson joins us to discuss freelancing and project-based work and how Fintech can facilitate this. A longstanding model in some industries such as media this is likely to spread further as the buying and selling of labour in smaller amounts is likely to be one effect of the new economic landscape.
In LFP104 Michael Pearson takes us on a Deep Dive into UK Fintech Financing, Performance and Valuation. In LFP143 he joins us again to discuss what we can learn from data on 100 UK Fintechs on profitability over the past ten years.
In LFP146 Charlie Delingpole shares his mission to automate the mind-numbingly painful KYC/AML that is so essential in FS as a whole. As they do this for most London Fintechs and are in four countries around the world, it is going well.
John Kay refers to Corporate Governance as a vital function of FS (one it hasn’t traditionally performed that well). But how good is Corporate Governance in Fintech? In LFP057 Geoff Miller joins us to explain the five benefits of good Corporate Governance and why it’s an enabler of Fintech growing further.
All change produces positives and negatives. In the digital revolution children are both more tech savvy than ever yet more stressed than ever. In LFP135 Louise Hill founder of GoHenry who offer a “digital pocket-money” card discuss teaching kids about money when its virtual and the broader digital world and children.
In LFP054 we look a the big picture – Brexit and do we need a Fintech 2.0 – along with Zopa Revisited with Giles Andrews.
LFP016 “2015 New Year’s Special – Behind the Scenes, UK Fintech 2015 and Occupy Fintech!”.
LFP042 “2016 New Year’s Special” – Bumper Fun-Packed New Years Show On Fintech & Star Wars, Beer, Media, 2015 review & 2016!
Where did it come from? In LFP004 “Fintech the 3,000 Feet Overview – 3yrs of New Finance with Eddie George” – we discuss, Eddie’s New Finance organisation (the largest Fintech professional network in the world), and the past, present and potential future of fintech in London.
What are London Fintechs Strengths and Weaknesses? In LFP008 I discuss these with top Fintech Lawyer Richard Goold.
What does a Fintech co-founder and adviser to government think are the 5 Key Challenges for UK Fintech plc? In LFP011 I discuss these with Dr Louise Beaumont, co-founder of Platform Black and now head of Public Affairs and Marketing at GLI Finance which has a family of 16 Alternative Finance businesses.
In LFP026 Mike Laven CEO of Currency Cloud, a Fintech that have done $10bn of payments/FX B2B business, discusses the biggest topic of them all – The Future of Banking.
FS has been made immensely complicated in the computer age by a near infinite number of regulations, rules and options. Although the term “roboadviser” is much vaunted, the term is a hype as they don’t offer real financial advice.
In LFP126 Max Rofagha joins us to survey how Fintech can help fill this advice gap – as he puts it “we can be a pharmacy if not a hospital” – solid, realistic aims.
IFAs – independent financial advisers – are the key to wider adoption of key Fintech areas such as P2P. In LFP069 Dan Kiernan joins us to discuss the “advice gap” and the problems IFAs have recommending Alernative Finance.
The other side of taking advice on your assets is taking advice on your debts – the most important one of which for most people is their mortgage. In LFP070 Ishaan Malhi joins us to discuss what “Fintech-ing” mortgage advice can do for you.
Alternative Finance – Overview
Alternative Finance is the most important subsector of Fintech in terms of its impact right now. It’s one that has a long track record and you can all use now.
Zopa invented P2P in 2005. By 2022 it had become a bank and exited P2P altogether. In LFP204 CEO Jaidev Janardana joins us to discuss what can be learned from their 17 year arc in P2P – what worked well and what were the limitations that led them to move on?
The best Fintechs/Marketplace lenders are already outcompeting incumbents. In LFP117 John Goodall, CEO of Landbay who recently won the buy-to-let lender of the year award talks about the role of specialisation and institutional versus retail funds.
Alternative Finance has got far more diversified and complex. In LFP111 Iain Niblock CEO of Orca explains why “aggregators” are becoming a necessary way to navigate the maze.
In LFP064 Peter Renton joins us to give a 2016 overview of P2P in the US, China and UK.
In LFP116 Rezaah Ahmad suggests that better returns than investing in P2P are available by investing in the $11.7trn corporate bond market.
In LFP010 Rupert Taylor CEO of AltFi Data joins me to give a 3,000 feet overview.
In LFP038 Peter Renton and I discuss key themes from Europe’s largest P2P conference in 2015.
What happens to Alternative Finance portfolios when the sunny weather turns bad? In LFP035 John Goodall CEO of Landbay joins us to take a deep dive into Stress Testing P2P portfolios.
In the UK the government has extended the annual tax-free investment allowance (ISA) to include P2P assets. In LFP047 jake Wombwell-Povey discusses what the IFISA means for UK P2P.
It’s very easy for the new to soon become the old. In LFP053 Cormac Leech co-founder of Liberum Alternative Finance joins us to discuss innovating in P2P.
Alternative Finance – Direct Lending
B2B lending decisions used to take weeks – now leveraging the best of technology and data capture B2B loans are approaching BNPL like speed. In LFP236 Chirag Shah describes how Nucleus Commercial Finance has, over a decade reduced UK SME loan decisions to 5 minutes and aims for even faster.
There is another model of Fintech lending – direct lending where a company raises funds and then lends these out without the “matching” problem of P2P. In LFP036 Chris Rieche CEO of iwoca discusses this model and lending to small companies.
Alternative Finance – Equity
Jeff Lynn is the father of UK Equity Crowdfunding. In LFP130 he joins us to discuss the past ten years, the present and the future of this important sector.
In LFP018 we have a deep-dive into equity crowdfunding with Karen Kerrigan Director of Seedrs and the UK Crowdfunding Association.
In LFP025 Goncalo de Vasconcelos, CEO and founder of Syndicate Room, dives into the very important model of “investor-led” equity crowdfunding and its advantages.
In LFP041 Rupert Taylor CEO of AltFi Data discusses their recent report on trying to establish some data on the Dataless-Desert that is Equity Crowd Funding.
Alternative Finance – Invoice, Trade and Supplier Finance
A first for the LFP was when LFP185 was released on Network Based Finance a topic so hot and fresh that within an hour the LFP episode was the top search result on Google for this term :-O … in this episode Gert Sylvest co-founder at Tradeshift explains what Network Based Finance is.
Whilst invoice financing is a form of secured lending, in practice it is sufficiently different in many ways to merit it’s own category. In LFP030 market leader Anil Stocker CEO and co-founder of MarketInvoice does a deep dive on Invoice Financing in the Fintech Age. Three years later in LFP098 with volumes having risen from £1/2bn to £2bn he joins us to discuss the wider topic of Financing UK SMEs.
Supply chain finance and all its associated techniques are all about improving cashflows. PrimeRevenue are the the largest non-bank Fintech in the world in this sector. In LFP139 Peter Cook joins us to talk about a Fintech that facilitates payments of over $200bn p.a. for 20,000 clients.
In LFP180 Alessandro Zamboni of Supply@Me joins us to discuss a new innovation – inventory monetisation – supplier-/purchaser- finance are more conventional but monetising the inventory in your warehouse is a fascinating and new proposition for Fintech.
In life, in business and in Fintech things go wrong. John Regan joins us in LFP037 to discuss dealing with crises and the Platform Black story.
It is easily forgotten in our “financialised” economy that finance is the oil in the “real economy” where goods and services are traded. In LFP081 Guy Willans joins to to discuss Trade and Supplier Finance in the Digital Age.
In LFP122 Christoph Gugelmann joins us to take the story one stage further – how to turn trade finance into an investable asset class just like any other.
Innovation is relentless. In LFP159 Lara Gilman joins us to talk about iwocapay’s Payment Terms As A Service – a cross between a domestic version of trade finance and an overdraft giving sellers the cash up-front and the buyer payment terms that can be varied as if an overdraft,
Alternative Finance – P2P/Marketplace Lending/Borrowing
The UK was the birthplace of P2P and historically supportive. FCA proposals in late 2018 threaten to take the P out of P2P severely restricting ordinary peoples’ ability to invest, Ryan Weeks guides us through this in LFP112.
In LFP103 Christian Faes CEO of Lendinvest one of the UK’s permanent Top 5 platforms and the only property investor in that group joins us for an overview of Online Lending & Borrowing – Past, Present and Future.
In LFP083 Conrad Ford, CEO of the largest online SME lending and borrowing matchmaker joins us to discuss how the SME lending and borrowing markets are in 2017?
In LFP021 Giles Andrews CEO of Zopa who invented the whole thing – being the first worldwide – does a deep dive into consumer credit and key issues in P2P.
In LFP034 I discuss the economically and socially vital SME lending and credit risk with Andrew Mullinger co-founder of Funding Circle.
In LFP013 I “kick the tyres” on the P2P (online lending/borrowing) subsector with Christian Faes CEO of the largest online real estate marketplace in the world.
In LFP019 I am joined by Rhydian Lewis, CEO of Ratesetter, one of the three UK P2P platforms to have written over £0.5bn of business, and the one to invent the use of a Provision Fund. We go beyond the metaphors into the real detail of P2P online lending and borrowing.
In LFP029 I am joined by Angus Dent CEO of a new and interesting entrant into the space that have created a “Secured and Insured” model of online SME lending which improves rates for borrowers and lowers risk for lenders.
In LFP051 James Sherwin-Smith guides us through a Fintech Marketplace solution to the UK Overdraft crisis.
The UK operates in a global market and in LFP015 I discuss the amazing story of US P2P from origins, through crises, to IPOs and into the future with Peter Renton founder of Lend Academy.
In LFP062 Rhydian Lewis CEO of Ratesetter joins us to talk about how they are revisiting their “hard fail”/”binary” provision fund model.
In LFP020 Conrad Ford, CEO of Funding Options describes the vast lending landscape that exists for SMEs, how there is an excess not a shortage of loan financing, and the UK government’s “UK SME Referral Scheme” to ensure that SMEs get connected to this.
The newest “banks on the block” are the app banks. In LFP102 super-serial entrepreneur Ricky Knox CEO of Tandem Bank, which straddles app only banking as well as owning Harrod’s Bank, lays out the different motivations, destinations and likely fates of the UK’s app banks.
The newest “banks on the block” are the app-only banks. Will they go the way of so-called challenger-banks and become me-too-ish or will they forge a bright new path – Tom Blomfield CEO of Monzo gives his vision in LFP067.
Revolut, the “global money app”, acquired 500,000 customers in less than two years with their interbank FX card, they are now adding many more personal financial services. In LFP075 Nikolay Storonsky joins us to discuss managing rebundling in Fintech.
In LFP118 Norris Koppel CEO of Monese discusses how to create a global banking App – with their App you can not only do the usual things but open actual Bank Accounts in the UK and in Europe with more countries to come.
Banking & Payments
“Challenger Banks” is an oft-used phrase that implies a certain homogeneity within the UK Retail Bannking. In LFP079 Darren Meek, FS lead at PwC, joins us to discuss their in-depth research report on the diversity of UK Challenger Banks.
At the heart of banking is clearing banking (all banks in turn use clearing banks). In LFP086 Nick Ogden joins us to tell us what a 21stC Clearing Bank can do for you, Four years later ClearBank’s CCO Simon Jones joins us in LFP183 to discuss how engaging with and partnering with and by banks is changing dramatically.
The needs of growing Fintechs, indeed all techs, change significantly over time. In LFP165 Tom Butterworth Head of Early Stage Practice at Silicon Valley Bank talks to us about how relationship banking that specialises in one vertical is the answer to fast growing techs ever-changing needs.
In LFP211 Conrad Ford Chief Product Officer at Allica Bank dives into the substructure of the UK SME market and the keys to taking on incumbent MegaBanks in business lending to the sector.
Payments orchestration is all the rage but what is it and why does it matter? In LFP213 Kristian Gjerding founder and CEO of Cellpoint Digital who have been doing exactly what has become payments orchestration guides us through the thicket and outlines how it both saves money as well as makes money for merchants.
Ripple is a leading example of a next generation global payments infrastructure moving small amounts of money very fast compared to the existing systems which move large amounts of money very slowly. Marcus Treacher SVP Customer Success explains how Ripplenet works in LFP164.
In LFP110 Daumantas Dvilinskas CEO of TransferGo discusses how to make cheap international payments.
In LFP157 Brad Goodall CEO of Banked explains the possibilities of far faster, cheaper payments for merchants that comes from collecting and connecting all the direct-payment APIs of Banks.
In LFP174 Bjorn Goss, CEO of at the time surely Europe’s most used Fintech App – over 60 million users of Stocard’s digital wallet joins us to discuss digital wallets potentially very exciting future as the first touch-point for retail finance as a whole.
In LFP209 we cover one of the major complications of payments to retailers namely the possibility of chargebacks when the purchaser claims the funds back from their bank in the case of dispute. Long-term expert Monica Eaton joins us to explain the territory and how, as with many things, the best route lies with data and tech.
In LFP191 Ravi Jakhodia of Coupay joins us to discuss how Fintech can serve microbusinesses payments and ancilliary/surround needs.
Credit is at the heart of all finance. In LFP140 Freddy Kelly CEO of Credit Kudos discusses how new data from Open Banking is already improving credit decisions.
In LFP233 Gerald Chappell CEO of Direct Lender Abound and SAAS vendor Rendor joins us to discuss how they use open banking data to produce a 70% lower default rate in B2C lending compared to the market.
Even more essential is identity – all financial transactions need to go to the right place. In LFP166 John Erik Setsaas of Signicat talks about scaling identity across Europe and around the world.
Identity is super-important in these biomedical-tyranny times. In LFP194 Kirill Slavin, CEO of Reputation Transfer joins us to discuss whether Tim Berners-Lee is right and do we need a radically different approach to identity on the internet?
In LFP141 Matt Cockayne CCO of Yapily describes how Open Banking for SMEs can be far more impactful for SMEs than for consumers – cheaper, faster payments and better cashflow visibility.
In LFP108 Nick Kerigan MD of Future Payments at Barclaycard takes us on a deep dive into Credit Cards, Past, Present & Future.
In LFP161 Marwan Forzley CEO of Veem joins us to discuss global B2B payments using multi-rail technology.
Metro Bank is the first UK High Street Bank in a gazillion years. In LFP107 Paul Riseborough Chief Commercial Officer joins us to discuss the successful merging of physical and digital banking.
Not all banking is done by banks. Nationwide is the world’s largest building society, 1 in 4 UK households have an account with them. In LFP109 deputy CEO Tony Prestedge joins us to discuss what it means to be a mutual in the digital age.
The biggest seismic change in banking and payments is afoot. In LFP060 Paul Tomalla joins us (in 2016) to discuss PSD2 and Open-Banking in the UK and Europe. In LFP087 Louise Beaumont joins us (in 2017) to passionately advocate that PSD2 is about strategy not just “reg&tech”. In LFP097 Nigel Verdon gives us a 2018 sitrep on the timescales it will actually take to see radical change.
By 2017 some of the better incumbents had got their act together re Fintech. In LFP089 Alexander Ball joins us to discuss how ING goes about its over 100 partnerships with Fintechs.
What is “non-bank banking”? In LFP031 Rich Wagner discusses “non-bank current accounts ” and an overview of payments in the Fintech Age.
In LFP049 Rich joins us again, this time wearing his Chairman of the Emerging Payments Association hat, to discuss fair and equal access to payments for Fintechs.
In LFP046 Hiroki Takeuchi CEO of recurring-payment specialists GoCardless gives an excellently clear overview of international Payments Fintech.
One sector which is very “hardcore” in terms of the financial system – old and new – where there is masses of innovation is Payments. In LFP022 Dave Birch of Consult Hyperion, who have been payments specialists for a long time, gives us a “30,000 Feet Overview” of this vital sector.
A completely different aspect of this topic is helping people with their cashflow management. In LFP072 Emanuel Andjelic co-founder of Squirrel talks about this and the wider topic of “Socially-Beneficial Fintech“.
In LFP131 we revisit income streaming alongside Socially Beneficial Fintech. Easing cashflow problems for the lowest paid is an immense benefit – but this applies to far more these days. Experience has shown that having flexible pay as well as flexible work leads to more shifts and more work.
At the largest scale wholesale markets are huge. In LFP142 Martin Boyd of FIS whose systems process $9 trillion per annum discusses what digital means and what its impact is in hardcore capital markets business.
Few Fintechs have yet done “truly digital” pricing. In LFP091 Oliver Schimek CEO of CrossLend joins us to discuss how they have can deliver securitisation 100,000 times cheaper than incumbents.
There is a huge area of Fintech which in “old money” would be simply called “new IT companies selling into FS” – not competing with existing FS but trying to enhance it. In LFP077 Mark Beeston Founder of Specialist VCs Illuminate Financial joins us to discuss Capital Markets/Enterprise Fintech.
What’s it like for small and startup Fintechs, who outnumber the big guns by far. In LFP039 Alexandre Gaillard CEO of InvestGlass joins us to discuss this and the world of Swiss Fintech.
Closer to home Ruzbeh Bacha CEO and founder of CityFalcon has built a Fintech employing over a dozen people in two years and has been based at such hives of the startup world as Level 39. So in LFP043 he is well placed to discuss Hype vs Reality in the UK Fintech Startup world.
What’s it like to co-found two Fintechs, and what would one learn from 12yrs doing so? LFP009 with William Lorenz.
Some of the best Fintechs are little known in a PR-centred media. LMAX Exchange does a staggering $3trn volumes per annum and in LFP096 CEO David Mercer joins us to do a deep dive into marketplaces in the Fintech Age.
Fintech gradually moves into more complex territories. In LFP205 Seth Phillips CEO for Bound joins us to discuss Fintech and FX hedging for SMEs.
In my opinion in London the Fintech-FX-B2B subsector is the most professional by far. Find out why and the important business model differences between FX-B2B and FX-B2C in LFP023 where Philippe Gelis CEO of Kantox gives us a guide to Fintech in the FX Age.
In LFP026 Mike Laven CEO talks about Currency Cloud, a Fintech that has done $10bn of payments/FX
In LFP050 John Booth founder of Midpoint the world’s first P2P FX – formed (and patented) as long ago as 1998 talks about whether P2P FX is all its cracked up to be.
Geographical Region Overviews
The US has been super-seminal in Fintech from Paypal onwards. In LFP229 Michael Fanfant, former Fintech founder himself turned VC talks about Fintech in the US past, present and future.
Perhaps even more important than the US and certainly well ahead in Fintech is China. In LFP235 Eva Zhang CEO of Alipay UK guides us through Fintech in China, Super-Apps and Alipay the world’s largest Fintech.
In LFP223 Naveen Bindal CEO of India’s largest spend management platform joins us to discuss Fintech in India which is on some measures the world’s third largest Fintech market.
Fintech in Africa. In LFP212 Gbenga Ajayi, partner at QED Investors, joins us to explain how to approach investing in the hugely complex landscape that is African Fintech. In LFP210 Odun Eweniyi, co-founder of Piggyvest joins us to cover West Africa’s first digital savings and loans platform with an amazing 4 million users based on solely a seed round of $1.8m.
Fintech in MENA – Middle East and North Africa. In LFP227 Said Murad partner at regionally-focused VCs Gobal Ventures gives us a tour of a large and complex region where in recent years one-third of all VC investment has gone into Fintech.
Fintech in Eastern Europe. There are 70 cities in Europe with one or more unicorns in them of which over 20 are in Central and Eastern Europe. In LFP198 Adam Niewinski co-founder of OTB Ventures joins us to give an overview of Tech/Fintech in this vibrant region.
In LFP217 Ricardo Josua, CEO at Brazilian Fintech Pismo joins us to give us an overview of Fintech in Latin America.
Fintech in Scandinavia/Nordics. In LFP203 Erik Bennerhult who was part of the team that built the world’s first online mortgage broker in the late 90s and has been in Fintech ever since guides us through the deep origins of the regions outperformance today, the current landscape and the future.
All of the above are mighty changes – how are the incumbents reacting? In LFP040 Anna Irrera, full-time Finetch Journalist at the Financial News (part of the Dow Jones Group) talks about the 7 strategies banks are following in response.
In LFP128 Richard Counsell joins us to discuss the meeting of the worlds of Farming and Fintech. 90% of the world’s commodities are not hedgeable – Stable is addressing that problem.
Creativity springs eternal and in LFP121 Cormac Leech joins us to discuss Litigation Crowdfunding which promises to increase access to justice with super-normal returns (&risks) for investors.
LFP005 “Innovating in Fintech & Emerging Market FX with Jon Vollemaere of R5FX.com” covers the widespread misunderstanding of innovation, the necessity for domain (ie FS) expertise in hard-core (“ultra-B2B“) Fintech, as well as upcoming changes in emerging market currency trading.
If Fintech is like a large stone dropped into a pond the ripples spread wide … the implications of the shifts are felt in many surrounding industries. One of these is consultancy and in LFP012 Farid Tejani founder of Ignitr a Next Generation consultancy joins me to discuss the impact on consulting and the key issue of how to glue “Fin” and “Tech” together.
It is often forgotten that Fintech is not just concerned with Banking but with Financial Services at large.
As late as 2023 we are still seeing new concepts in Fintech. In LFP234 Goncalo de Vasconcelos describes his latest business founded – RNWL – which is an app, and white-labelled technology for banks, which enables you to manage all those random emails and insurance policies in one place. Which is most helpful.
In LFP170 Andy Rear CEO of Digital Partners who pretty much created “reinsurance as a service” gives us compelling evidence that in many dimensions Insurtech has already changed the Insurance market for good.
In LFP179 Jay Bregman joins us to discuss the state of global Insurtech, the challenges of insurteching in the US and innovations in insuring the small business.
Steven Mendel founded one of the earliest and most successful insuretechs back in the day when he was laughed at for doing so and told he would never succeed. In LFP114 he rejoins us to give an overview of Insuretech and leveraging human creativity.
In LFP061 Jonathan Howe, UK Insurance lead for over 1,000 staff in London, 23 years at Pwc and having surveyed 1,300 InsureTech startups gives us a 30,000 feet overview of Insurance and Fintech.
Few Fintechs of any description have captured 5% of any market but Cuvva have 5% of the short-term (one hour upwards) car insurance markets. In LFP158 Freddy Macnamara explains how going beyond price comparison websites is necessary to achieve this.
Few Fintechs are truly deeply innovative – Laka however is – it takes no premiums up-front but rather mutualises the risk with monthly payments based on actual losses. In LFP167 Tobi Taupitz joins us to discuss how to take insurance both forward but also back to its mutual roots.
“P2P” as a mechanism has grown like wildfire for banking – lending/borrowing – but has not in insurance, which is odd as insurance is based on this concept (albeit intermediated) too. In LFP101 Tobais Taupitz CEO of Laka joins us to discuss how P2P can be made to work in insurance.
“Historically” (time moves fast in Fintech) the view is that InsureTech is limited in its disruptive potential. However in LFP074 Andy Rear CEO of Munich Re Digital Partners joins us to discuss “Reinsurance as a Service”, a potentially game-changing approach.
Andy mentions MGAs as key to the future. In LFP076 Charlie Blackburn CTO of MGA Azur joins us to discuss what an MGA is and how they can be are a prime example of the convergence of #newFS and #oldFS.
In LFP084 Matt Poll CEO of Neos joins us to explain how a houseful of smart sensors can reduce our risk and how this can be done “for free”.
In LFP088 Andy Rimmer of FloodFlash jions us to discuss catastrophe insurance and how insuretech can help the huge percentage of the world that can’t get insurance for floods.
In LFP027 Steven Mendel CEO of Bought By Many explains why there are so few disruptive insurance fintechs, what insurance 3.0 is and what the fintech insurance models of social insurance and P2P insurance are.
In LFP006 “Innovation in Insurance with John Shaw of Direct Line” we see what incumbents are doing in this area, how they go about it, B2C fintech and 6 key trends in insurance right now.
Investment & Trading
The first “wave” (or one or two?) digital wealth managers didn’t make much impact. In LFP073 Adam French explains what the second wave of digital wealth managers are doing and how they are making an impact.
In LFP127 Tom McGillycuddy outlines ethical and impact investing in the Fintech Age. How can you earn a good return on your investments and not have them cause harm but rather do good in the world?
One challenge with ethical investing is “what is ethical?” along with applying fixed principles in an ever-changing world. In LFP230 Umer Suleman CRO at Wahed perhaps the world’s largest Islamic Fintech to dive into the world of Islamic Finance and Fintech and the broader lessons to be learned for the wider field of ethical investment and finance from a tradition that has over a thousand years of practical experience.
The ultimate disintermediation of the whole investment management industry is to buy shares (especially ultra-low fee tracker ETFs) for yourself. In LFP105 Adam Dodds tells us how Freetrade, an execution-only stockbroker, will allow you to trade for free.
Exchange Traded Funds were once the hot new thing in FS. They have now grown to a $3trn marketplace and are the main factor that has inhibited the growth of investment management Fintech. In LFP058 Laurent Kssis CEC Capital gives us a masterclass from the basics through what Fintech can learn from how ETF’s grew so fast to the bleeding edge of Bitcoin, and Blockhain.
At the opposite end of “buy and hold” investment is Leveraged Trading a much more more capital markets approach. In LFP106 Ivan Gowan CEO of Capital.Com joins us to discuss the future of Leveraged Trading, UX and online/app-based trading education.
The Fintech online Investment manager space is very small in London (anyone other than Nutmeg). In LFP028 long-time investment journalist and head of the AltFi empire David Stevenson discusses this and what it takes for anything to become a new asset class (the flip-side of investment of course) with particular focus on Alternative Finance’s journey towards being a regular component of investment portfolios.
The largest investment sector by far is pensions. In LFP190 Jodan Ledford CEO of Smart USA gives an overview of a century of pensions in the US as well as the current and future market. In LFP059 Will Wynne, co-founder of Smart Pension joins us to describe how they dominated the auto-enrolment pension sector in the UK from an early stage.
One challenge with pensions these days is as people change jobs so much they end up with multiple pots, the average is eleven. In LFP090 Romi Savova who took Pension Bee to IPO describes the challenges of integrating all your pensions.
In LFP184 Uma Rajah CEO of CapitalRise who were last on the show in 2017 rejoin us in 2021 having by now kept a 100% perfect lending record and returned 9% pa to investors to talk about dominating a Fintech sector.
In LFP078 Alex Michelin, founder of CapitalRise gives us a 30,000 feet guide to investment in Property in the Fintech Age.
In LFP132 Mike Bristow CEO of CrowdProperty joins us to discuss property development finance and is P2P becoming a conduit for asset packaging for institutions?
An estimated 300m workers move abroad in search of work. Many of these are some of the poorest people in the world whose families at home depend on them for their economic survival. Historically/presently some of the poorest people in the world can be charged some 10-20% for moving money back home. Obscene. Alix Murphy of WorldRemit joins us on LFP032 to talk about how online, Fintech, solutions are cutting this cost by some 90%.