Parhaat Open Banking Podcastit (2024)

1
Making Better Decisions 50:31

12d ago50:31

50:31

Underlying open banking is an important assumption: That if you give the consumer all the information about what data is held on them and all the control over how that data is shared, that they will be better off. That they will use that information and control to make better decisions, decisions that benefit them. But is that actually so? Behavior…

1
Fast Future Blur 39:46

2M ago39:46

39:46

We are living through a period of unprecedented technological change, an era that has been dubbed the Fourth Industrial Revolution. Building upon the previous three, this current transformative era is marked by the convergence of advanced technologies, such as robotics, AI, IoT and blockchain, that together are reshaping both industries and society…

1
Embedded Finance 40:53

3M ago40:53

40:53

Imagine a world where financial services are no longer separate, daunting entities but seamlessly integrated into the digital experiences you know and love. A world where buying a car, booking a trip, or even grabbing a coffee means having instant access to personalized financing options, secure payments, and innovative insurance solutions. This is…

1
All That Glitters 43:10

4M ago43:10

43:10

The open banking community has long believed the path to open data starts with open banking. The general idea is that the common standards used to share banking data will inevitably expand in scope, leading to open data standards which will eventually cover all sectors of the economy. Australia, unique among open banking regions, has been on that r…

1
Checks and Balances 46:25

5M ago46:25

46:25

To date, the United States has taken a staunchly market-driven approach to open banking, and has been doing so for decades. But all that is about to change: the U.S. has now begun their own journey towards regulated open banking, with the Consumer Financial Protection Bureau (CFPB) introducing a new regulation to solidify and protect Personal Finan…

1
Oh Canada 42:26

6M ago42:26

42:26

The growth of open banking is historically driven by environmental factors. In environments marked by wealth inequality, or a lack of trust in traditional finance, open banking flourishes as a promising alternative. Conversely, in stable environments, it often stagnates, viewed as a needless risk. Canada, known for its risk aversion, exemplifies th…

1
The India Stack 1:04:08

11M ago1:04:08

1:04:08

To make open banking work the way it is meant to, you need three major building blocks; data exchange, payments and digital ID. While many countries are working on these pieces, there is really only one place that has already built them all, into a fully-integrated, cohesive whole, at population scale: India. In the season four finale of Mr. Open B…

1
Open Banking Past & Future 44:37

11M ago44:37

44:37

Europe, widely considered the birthplace of open banking, has been on a journey to digitize their financial system for over 20 years. In this episode, we speak to a guest who has been on that road since the beginning, at the nexus of finance, technology and regulation. Dr. Ruth Wandhöfer has been instrumental in shaping the future of finance in Eur…

1
Digital Value 42:05

12M ago42:05

42:05

What defines the value of a thing? Is it a question of utility, aesthetics, rarity, emotional connection, or a combination of all these aspects? When it comes to digital assets, this question becomes even more complex, as evidenced by the rise and subsequent fall of NFTs. Beyond just digital, The continued evolution of Web3 and DeFi has now set the…

1
Shifting Control 43:04

1y ago43:04

43:04

Data fuels our digital lives, helping us make decisions, build relationships, and stay organized. To achieve these goals, we willingly share our personal data with various service providers, who give us search engines, social networks and e-commerce. But somewhere in the bargain, those providers encroached far beyond what the typical user understoo…

1
What’s in Your Wallet? 41:25

1y ago41:25

41:25

For most people, wallets are a staple accessory of their everyday lives. Yet today, the analog wallet is disappearing, to be replaced, like so many other things, by its digital twin. Digital wallets are now a reality and, like their physical predecessors, they will become an intrinsic part of our lives, so making sure they are built the right way i…

1
The View From the Top 40:53

1+ y ago40:53

40:53

Open banking is often cast as an antidote to the dominance of big banks. Given that its origins stem from the Great Financial Crisis of 2008, this perspective is not terribly surprising. But is this characterisation a fair one? Does open banking have to be a threat to big banks, or can it be turned into an opportunity? To answer these questions and…

1
Is Open Banking Dead? 42:33

1+ y ago42:33

42:33

It’s no secret that global banking is experiencing some macroeconomic headwinds. Bank failures and consolidations continue to spread, albeit slowly. The question then becomes: How do these negative trends influence the direction of open data? Marie has been studying open consented data sharing since 2016. Through her current role as Open Futurist a…

1
Bringing It All Together 1:00:05

2y ago1:00:05

1:00:05

In the extended season finale of Mr. Open Banking, Eyal directly tackles the question of how open banking will change the way we interact with our money, in an attempt to build a vision of the open future. To do so, he breaks the problem down into the three core concepts at the heart of that claim: money, identity and open banking. When it comes to…

1
Who Do You Trust? 42:08

2y ago42:08

42:08

As the open banking movement continues to unfold, many people are asking an obvious but entirely valid question: can we trust open banking? In this episode, Eyal explores the concept of trust in open banking, and how we can learn to trust the data sharing ecosystem upon which open banking is being built. To inform the discussion, he sits down with …

1
Open Banking in the Middle East 39:53

2y ago39:53

39:53

When it comes to open banking globally, there are several factors that have acted as drivers for the movement, like competition, inclusion, stability and innovation. Although innovation takes a back seat in some regions, there is one place where it is firmly front-and-center: the Middle East. The Middle East and North Africa, a region known by the …

1
Made in America 46:38

2y ago46:38

46:38

Open banking definitions often differ from region to region. In the U.S., where open banking is decidedly market-driven, it is associated more with consent-driven data sharing, rather than standardization or regulation. Outside of regulatory constraints, U.S. open banking efforts are laser-focused on generating business value through true innovatio…

1
Open Banking for All 40:10

2y ago40:10

40:10

Open banking aims to introduce common, open, shared standards for the secure exchange of financial data. As a result, whether you bank with one bank or five, fintech or credit union, JPMC or PayPal, you can finally see all your accounts together, in one place - a concept known as account aggregation. In this episode, Eyal discusses this concept wit…

1
Out of Africa 39:30

2+ y ago39:30

39:30

Introducing a disruptive movement like open banking into an already developed environment can be difficult. By contrast, introducing innovation where there is nothing to replace, often referred to as a “green field,” makes it possible to adopt the latest technology immediately, leapfrogging whatever came before. Africa, the ultimate green field, ha…

1
The Threat of Open Banking 40:23

2+ y ago40:23

40:23

Despite the doubts of skeptics, the open banking movement is here and it’s evolving quickly. Right now, over 50 regions around the world are in various stages of implementing open banking, while some are already moving into the next stage of the progression: open finance. In this episode, Eyal sits down with Amit Mallick, the Global Open Banking Pr…

1
Value, Risk & Trust 38:32

2+ y ago38:32

38:32

While most of the financial sector is in the process of implementing open banking, it’s time to look beyond the horizon to see where this evolution is heading. As open banking standards expand to address more and more sectors of the economy, we are moving from open banking to open finance to open data. Open data will enable individuals to grant and…

1
How Open Banking Is Done 58:41

3y ago58:41

58:41

When it comes to both FinTech and open banking, the UK is leading the charge globally. In this episode, Eyal sits down with one of the key figures behind the country’s leadership in financial innovation: Charlotte Crosswell, the newly appointed Chair and Trustee of the Open Banking Implementation Entity (OBIE), which is the organization responsible…

1
Digital Identity & Tokenization: Chief Innovation Officer, Trust Stamp (ex-Mastercard) 26:39

3y ago26:39

26:39

Dear Listeners, in this episode we bring to you Raman Narayanswamy, Chief Innovation Officer at Trust Stamp which is (OTCQX: IDAID) (Euronext Growth: AIID ID), a global provider of AI-powered trust and identity services used across multiple sectors. Raman is an expert with over 20 years of experience and had previously served as Vice President, Hum…

1
Embedded Investing - In Conversation With Liz Rabban - Executive Director & Stephen Nash - Global Head of Business Development at DriveWealth 33:50

3y ago33:50

33:50

01:10 - Intro 03:00 - What is the value proposition of DriveWealth and what is the tech, regulatory, and license stack that you have to support it ? 04:42 - We know that you have a bunch of customers in India. Can you talk about them in general and about the growth in investments in the US stock market from Indian investors? How big is India vis-a-…

1
The Road to DeFi Banking 41:26

3y ago41:26

41:26

The world of modern cryptocurrencies has evolved beyond just money, with currencies like Ethereum providing programmable open platforms to build the financial instruments of the future. These new tools aim to re-create and radically improve the centuries-old systems we have today, a movement that has come to be known as decentralized finance, or De…

1
Payments, Core Processing Systems, Cloud & BaaS - With Harish Prasad, Vice President - Enterprise Strategy & Go-To-Market, FIS Global 52:35

3y ago52:35

52:35

01:10 – Context and Guest Intro 04:45 - With the prevailing focus on partnership-led and marketplace-led business models in the market, what role do technology service providers play in helping banks and FIs support these new models? 14:25 - There are a number of digital transformation programs that run in a bank at any given point in time. If we t…

1
Chasing China 45:00

3+ y ago45:00

45:00

China has been at the frontier of digital banking innovation since 2014, when their tech giants WeChat and AliPay began driving banks to play catch up with raised user expectations. Creating an entirely different financial ecosystem than what one might experience in North America or even Europe, China’s banking is completely digitally integrated, w…

1
B2B Payments & Collections - A Rocket Ship: With Akash Sinha, Co-Founder and CEO, Cashfree 39:23

3+ y ago39:23

39:23

Cashfree is India’s leading bulk payouts and payment gateway solution. Cashfree is backed by Y Combinator and incubated by Paypal. 02:45 - What prompted you to focus on a niche area with bulk payouts. What were the insights that led you to this decision? How does it improve upon the traditional payouts and collections methods through banking channe…

1
Cloud Native Core Banking Platforms - With Dr. Leda Glyptis, Chief Client Officer, 10x Future Technologies 44:50

3+ y ago44:50

44:50

In this episode, we look at a new segment of invisible solutions - core banking platforms. Core banking systems have evolved fast in the last 5 years along with improvements in cloud technologies. Often considered the most difficult part of the IT landscape to deal with in a bank, cloud-native platforms are now starting to deliver significant busin…

1
Open Banking in Europe 38:20

3+ y ago38:20

38:20

There is little doubt that the birthplace of open banking is Europe. As a concept, open banking can be traced to much earlier times, but it was Europe who, in 2015, enacted the first open banking legislation in the form of the PSD2. Fast forward to today, and Europe is reaping the rewards of being the first mover. Thousands of banks and hundreds of…

1
Building a Digital Bank 42:00

3+ y ago42:00

42:00

The concept of digital disruption is no longer revolutionary for most businesses. In fact, digital transformation has become a prerequisite for ensuring you’re not left behind. Although banking is often perceived as a dated industry, banks are no strangers to digital disruption, dating back to the inception of ATMs. Yet disruption today is catapult…

1
Open Banking For Good 39:34

3+ y ago39:34

39:34

Open banking isn’t just about finance, it’s also about improving society. One of open banking’s key facets is its ability to create non-zero sum outcomes, meaning that one person’s gain doesn’t equal another person’s loss. Globally, we need to consider how best to harness this quality as we move towards a brighter, greener and more equitable future…

1
The Great Unbanked 39:05

3+ y ago39:05

39:05

Right now, approximately two billion people across the globe are unbanked - meaning they have no connection to any banking system of any kind. Banks simply cannot make their business model work to serve low-income households properly, let alone the poor, which means that even the simplest of transactions such as payments become a challenge, often w…

1
The Identity Question 41:33

4y ago41:33

41:33

Identity - the simple yet complex concept that makes you, you. But in the digital era, identity encompasses not only the individual attributes you capture about yourself, but those that are only revealed only through your online interactions and behaviours. On the one hand, digital identity is a powerful tool for determining our preferences, helpin…

1
Lending-as-a-Service - With Pavitra Walvekar, Co-Founder & CEO, Kudos Finance 41:10

4y ago41:10

41:10

Embedded finance is the next big thing. We expect that in the next 2-3 years, any app - consumer or enterprise - could be an access point for credit. Pavitra explains the 3-point framework that Kudos Finance follows to onboard partners, providing end-to-end lending infrastructure as a service, and much more. Listen in! 01:30 - Briefly explain your …

1
Financial Infra. APIs for Business Banking - With Rohit Taneja, Founder & CEO, Decentro 40:42

4y ago40:42

40:42

In this episode on banking as a service for business banking, Rohit explains the typical challenges in stitching the front and back end parts of the BaaS chain, gaps in the market, and the overall outlook for BaaS. 02:00 - Your entrepreneurial journey and how Decentro was setup. 07:12 – What role does Decentro play in the FinTech ecosystem? 10:04 -…

1
Open Banking from a Bank's Point of View - With Sujatha Mohan, Sr. Director, FIS Global 46:18

4y ago46:18

46:18

In this episode of Invisible FinTech, Sujatha Mohan, Senior Director at FIS Global, talks about the strategic importance of open banking and BaaS to banks and why banks can not side-step governance and due diligence while working through partnerships. 02:00 - Evolution of open banking and BaaS in India. As far as adoption and maturity is concerned,…

1
Angústias, sintomas e autoconhecimento 3:01

4y ago3:01

3:01

Como transformar energias negativas em energias produtivas

1
Lending-as-a-Service - With Mikhil Innani, Managing Director, Apollo Finvest Ltd. 52:16

4y ago52:16

52:16

Apollo Finvest positions itself as the AWS of lending in India with the capability to enable any company to offer lending within 48 hours. A technologist at heart, Mikhil speaks about the vision of the company and the hard work that goes into building a platform which is fit to purpose across various client segments, among many other things. 01:18 …

1
Exploring Data Rights 1:00:08

4y ago1:00:08

1:00:08

At the heart of open banking lies an important and difficult question: do you own your data?As internet giants like Facebook and Google continue to grow, data rights seem like a natural next step in our society. After all, data has surpassed oil in value and yet, most consumers know very little about what their data is actually being used for and h…

1
Global BaaS Platforms - With Prajit Nanu, CEO & Co-founder - Nium 42:00

4y ago42:00

42:00

In this episode, MEDICI talks to Prajit Nanu, CEO & Co-founder of Nium. Nium is one of the few BaaS platforms with a global presence. The best way to look at Nium is like a universal plug to financial services. In this conversation, Prajit talks about the journey from InstaRem to Nium, the approach to scaling across different markets, strategies to…

1
Banking as a Service - With Dr. Jorg Howein, Chief Product Officer, Solarisbank 43:57

4y ago43:57

43:57

In this episode, MEDICI talks to Dr. Jorg Howein, Chief Product Officer, and a member of the management board at Solarisbank. Solarisbank is the first Banking-as-a-Service platform with a full banking license that enables companies to offer their own financial products. In this conversation, Jorg talks about some of the early decisions that made th…

1
The Banking Battlefield 37:54

4y ago37:54

37:54

In modern banking, new digital challengers are taking on traditional players by providing a better experience for end-customers. Banks need to either keep up or get left behind. On the seventh episode of Mr. Open Banking, Eyal is joined by David Brear to discuss what David calls “The Banking Battlefield.” The two dive into FinTechs' role in challen…

1
Financial Infra. APIs - With Nikhil Kumar - Cofounder, Setu 46:27

4y ago46:27

46:27

In this episode, MEDICI talks to Nikhil Kumar, Cofounder, Setu. Setu provides modular APIs for FinTechs to embed financial services capabilities into their apps. In this conversation, Nikhil talks about the ambitions of Setu, challenges in operating with the ecosystem and why he thinks the only way for FinTechs large and small to succeed is distinc…

1
Ways to Pay 36:22

4y ago36:22

36:22

While sharing financial data is part of the equation, open banking only really gets interesting when you add the ability to move money around. In the sixth episode of Mr. Open Banking, Eyal is taking us through the world of payments with Nilixa Devlukia, the CEO and Founder of Payments Solved. A lawyer by background, Nilixa is shaking up the paymen…

1
Financial Infra. APIs - With Madhusudanan R - Founder, YAP 46:00

4y ago46:00

46:00

MEDICI talks to Madhu, Founder, YAP about their role in the financial-infrastructure-as-a-service ecosystem, how FinTechs are now able to easily subsume financial services capabilities within their apps and how banks are keen to collaborate with verticalized API platforms to widen their reach.

1
Opening Canada 35:38

4+ y ago35:38

35:38

Who controls financial data in Canada? How will the ultimate arrival of open banking change that? In our fifth episode of Mr. Open Banking, Eyal comes home to Canada to discuss the challenges and opportunities surrounding the Canadian ecosystem with Senator Colin Deacon. Prior to joining the Canadian Senate in Nova Scotia, Senator Deacon ran severa…

1
The Big Picture 41:17

4+ y ago41:17

41:17

What could radical transparency do for our financial ecosystem? How do we create a world that is built on fundamental uncertainty, that adapts to our needs rather than determining them for us? On our fourth episode of Mr. Open Banking, Eyal is joined by Paolo Sironi, Global Research Leader Banking and Financial Markets, IBM Institute for Business V…

1
Open Banking - In a tad more detail 41:09

4+ y ago41:09

41:09

In this episode we cover the following about Open Banking: - Open banking objectives and key outcomes expected - The definitive value that Open Banking delivers and regional drivers - Global landscape of Open Banking - from countries where it is mandated to countries where it is market-driven - What's in it for the banks? Why should they open APIs?…

1
Invisible FinTech - Open Banking & APIs (Trailer) 0:13

4+ y ago0:13

0:13

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