24 episódios

‘Banking on Air’ is the official Vacuumlabs podcast hosted by Helene Panzarino and Marcel Klimo covering the challenges, opportunities, perspectives and opinions that matter to fintech community, In this podcast, we are looking under the hood of the changing face of technology, digital banking, payments, while sharing the expertise in creating solutions for the digital journey for incumbents, community banks, and fintechs.

Banking on Air Vacuumlabs

    • Negócios

‘Banking on Air’ is the official Vacuumlabs podcast hosted by Helene Panzarino and Marcel Klimo covering the challenges, opportunities, perspectives and opinions that matter to fintech community, In this podcast, we are looking under the hood of the changing face of technology, digital banking, payments, while sharing the expertise in creating solutions for the digital journey for incumbents, community banks, and fintechs.

    #24 Launching a new bank with Jeremy Takle (Pennyworth)

    #24 Launching a new bank with Jeremy Takle (Pennyworth)

    Is it easier to set up and grow a new bank within a major financial institution, or is it better to be unencumbered and create a neobank free of those ties? You might well think that large established banks offer a welcoming space for neobanks, providing appropriate expertise and essential technology. But the reality is that being part of a major financial institution could well hold you back...

    In this episode, ‘Banking on Air’ host Helene Panzarino talks to Jeremy Takle, co-founder and CEO of start-up bank, Pennyworth.

    With many years of experience at Barclays behind him, Jeremy is extremely well placed to talk about this business. And, according to Jeremy, it’s actually easier to set up a new bank outside a major financial institution than it is to grow a new one from within.

    Having the banking license already in place, meeting the capital adequacy requirements, and immediate access to full infrastructure is certainly a huge help for start-up neobanks. However, being the new kid in a major organization means having a big parent with a siloed structure. It’s also about how resources get shared, projects are approved, and convincing board level management of the market proposition. Having experience in a big bank brings both advantages and disadvantages in terms of skillsets. Product management and product ownership skills are more prevalent in start-ups than mega corporations with thousands of employees. But if you really know what your customers need, setting up as an independent bank is potentially a mega opportunity. Hence, Jeremy decided to step away from Barclays and co-found his own start-up bank Pennyworth.

    Find out more about Jeremy via his LinkedIn profile: https://www.linkedin.com/in/jeremytakle/

    ‘Banking on Air’ is the official Vacuumlabs podcast covering the challenges, opportunities, perspectives and opinions that matter to you and to our community. In this podcast, we are looking under the hood of the changing face of tech: the acceleration in all things digital, the impact of regulation (and disruption), the need for genuine collaboration – and the specter of competitors old and new as it plays out in fintech and financial services around the world.

    This podcast is brought to you by Vacuumlabs – and we’re sharing our experience and expertise in creating solutions for the digital journey for professionals, community banks, and fintechs.  We believe that the future is in communities when it comes to digital transformation in financial services, and we invite you to join us and our guests over the coming weeks and months.

    And don't forget to subscribe!

    • 32 min
    #23 Payment processing with Joanne Dewar (GPS)

    #23 Payment processing with Joanne Dewar (GPS)

    Processing digital payments is a complex operation: it only takes a few seconds yet there’s some powerful technology involved. How does it all work?

    Our latest podcast episode with Joanne Dewar, CEO of Global Processing Services (GPS), takes us ‘behind the scenes’ for a look into the world of digital payments processing. With high-profile customers such as financial super-app Revolut, UK digital bank Starling, and digital card issuer Curve, GPS has established itself as a market leader thanks to its secure, scalable and highly flexible platform.

    The company now works with over 40 issuing banks globally and operates programmes for more than 180+ clients in 60 countries using over 150 currencies. Whether you’re a startup or a big bank like RBS, GPS prides itself on establishing long-term partnerships with clients so that they are best placed to succeed in their chosen market.

    Joanne is also a fervent champion of financial inclusion. As a result of the COVID-19 pandemic, there’s been a sharp increase in the number of cashless payments, yet there are segments of society that are still 100% reliant on cash. Financial inclusion will need to improve as digital payments are increasingly becoming an inevitable part of our future.

    Check out the latest episode of our Banking on Air  podcast hosted by Helene Panzarino to find out more about GPS and their clients, and how we can begin to broaden financial inclusion.

    Connect with Joanne Dewar on LinkedIn https://uk.linkedin.com/in/joannedewar

    ‘Banking on Air’ is the official Vacuumlabs podcast covering the challenges, opportunities, perspectives and opinions that matter to you and to our community. In this podcast, we are looking under the hood of the changing face of tech: the acceleration in all things digital, the impact of regulation (and disruption), the need for genuine collaboration – and the specter of competitors old and new as it plays out in fintech and financial services around the world.

    This podcast is brought to you by Vacuumlabs – and we’re sharing our experience and expertise in creating solutions for the digital journey for professionals, community banks, and fintechs. We believe that the future is in communities when it comes to digital transformation in financial services, and we invite you to join us and our guests over the coming weeks and months.

    • 28 min
    #22 Value of data with Colin Payne (Capgemini)

    #22 Value of data with Colin Payne (Capgemini)

    Do banks know how to maximize value from their clients’ data and at the same time make a positive difference to the customer experience? There’s certainly no shortage of data: Where customers shop, where they travel, their hobbies, even their favorite foods. By transforming insights from this data and successfully channelling these into banking services targeted to serve the needs of a specific community, banks are now able to deliver timely, well-conceived niche products.

    Listen to our podcast with Colin Payne, VP of Capgemini Invent who shares some of his vast experience and thoughts on digital banking. Focusing on ‘beyond banking’ and ‘inventive banking’, Colin believes that the future lies in community banking. And the key to making this happen is data. Bank customers want their banking services to be painless and truly invisible. First and foremost, these products and services should always address their needs. By harnessing client data, banks can now serve customers in a more powerful way, surprise them on the upside by delivering what they didn’t yet know they needed. And it’s all about relationships: humanizing banking means truly knowing a specific community or group of clients and being able to build strong relationships with them and deliver real value to their lives.

    To hear more of Colin’s thoughts on inventive banking, data insights and community banking, listen to our podcast!

    ‘Banking on Air’ is the official Vacuumlabs podcast covering the challenges, opportunities, perspectives and opinions that matter to you and to our community. In this podcast, we are looking under the hood of the changing face of tech: the acceleration in all things digital, the impact of regulation (and disruption), the need for genuine collaboration – and the specter of competitors old and new as it plays out in fintech and financial services around the world.

    This podcast is brought to you by Vacuumlabs – and we’re sharing our experience and expertise in creating solutions for the digital journey for professionals, community banks, and fintechs. We believe that the future is in communities when it comes to digital transformation in financial services, and we invite you to join us and our guests over the coming weeks and months.

    • 38 min
    #21 Digital transformation with Martin McCann (Trade Ledger)

    #21 Digital transformation with Martin McCann (Trade Ledger)

    Digital transformation is now integral to the banking industry and no incumbent can simply afford to ignore this. Yet delivering digital services takes a lot more effective planning and specialist expertise than appears at first sight.

    Download our podcast with Martin McCann, CEO and Co-Founder of Trade Ledger, a leading player in lendtech. Trade Ledger has developed a sophisticated credit rating platform for loans to SMEs that automates the entire loan approval process. Together with Martin we explore the obstacles facing banks seeking to achieve digital transformation, and find out why their approaches often fail to deliver.

    Thanks to his Trade Ledger loan approval platform designed for bank use, Martin has gained a wealth of insight into the inner workings of financial institutions and the core obstacles they face. Firstly, many banks often approach digital transformation from the wrong starting point. On top of this, the highly-regulated nature of the banking industry stacks the odds against them. And many banks struggle with legacy systems and still rely on outdated risk models.

    Less widely acknowledged is the fact that a failure to grow core competencies in-house can often lead to over-reliance on external consultants.

    Listen to the podcast to find out not only where banks go wrong but also how Trade Ledger’s data-driven lending platform can vastly speed up the loans approval process helping banks make better-informed, quicker and better-priced lending decisions – to the extent that Trade Ledger is shortening the lending process from 6 weeks to 4 minutes

    Find out more about Martin McCann via his LinkedIn profile - https://www.linkedin.com/in/mccannmartin/.

    ‘Banking on Air’ is the official Vacuumlabs podcast covering the challenges, opportunities, perspectives and opinions that matter to you and to our community. In this podcast, we are looking under the hood of the changing face of tech: the acceleration in all things digital, the impact of regulation (and disruption), the need for genuine collaboration – and the specter of competitors old and new as it plays out in fintech and financial services around the world.

    This podcast is brought to you by Vacuumlabs – and we’re sharing our experience and expertise in creating solutions for the digital journey for professionals, community banks, and fintechs.  We believe that the future is in communities when it comes to digital transformation in financial services, and we invite you to join us and our guests over the coming weeks and months.

    • 32 min
    #20 Islamic finance with Syed Musheer Ahmed (FinStep Asia)

    #20 Islamic finance with Syed Musheer Ahmed (FinStep Asia)

    What does the concept ‘Islamic finance’ say to you? Is it solely pegged to a religion from the Arab world? In this episode, we want to shed some light on this fascinating topic, cut through some of the misconceptions, and tell you more about how this well-established, yet very different, banking culture works and what it has to offer.

    In our third podcast hosted by Helene Panzarino, she talks to Syed Musheer Ahmed, founder of Finstep Asia and co-founder of Fintech Association of Hong Kong. Musheer shares his vast knowledge of Islamic finance, and explains the core foundations and principles that underpin banking for the Islamic community.

    As Musheer highlights, even though Islam originated in the Middle East, it’s now very much a global religion with close to two billion followers all around the world. What‘s more, even though Islamic banks adhere to the core tenets of Islam, this doesn’t necessarily mean that Islamic finance is just for Muslims. The entire world can adopt and benefit from these practices with their strong ethical base: where ‘money’ is seen as a means to exchange goods, and never as a way to generate ‘interest’, and both profit and risk should be shared.

    Find out more about Musheer via his LinkedIn profile.

    ‘Banking on Air’ is the official Vacuumlabs podcast covering the challenges, opportunities, perspectives and opinions that matter to you and to our community. In this podcast, we are looking under the hood of the changing face of tech: the acceleration in all things digital, the impact of regulation (and disruption), the need for genuine collaboration – and the specter of competitors old and new as it plays out in fintech and financial services around the world.

    This podcast is brought to you by Vacuumlabs – and we’re sharing our experience and expertise in creating solutions for the digital journey for professionals, community banks, and fintechs.  We believe that the future is in communities when it comes to digital transformation in financial services, and we invite you to join us and our guests over the coming weeks and months.

    And don't forget to subscribe!

    • 41 min
    #19 Deal-breakers for banks with Donald Hawkins (Boulevard)

    #19 Deal-breakers for banks with Donald Hawkins (Boulevard)

    Why are neobanks born, and what is the key for success in the banking industry? The answers are twofold: fulfilling specific community needs, and focusing on a relationship with customers. Without those, their position on the market is endangered.

    Listen to our second podcast installment hosted by Helene Panzarino. With her guest Donald Hawkins, Helene explores the topic of community banks and relationships between banks and clients. Donald, as a founder of the first neobank for black Americans in the US, openly talks about the situation black people are in the US. Facing oppression from a number of angles (educational, financial literacy, employment), Donald wanted to help them. To do so, he discusses how he created Boulevard, a neobank that serves the specific needs of black Americans; and equally, he explains why there cannot be one bank for all minorities.

    Another topic discussed by Helene and Donald is the changes in the market – in shifting from physical to virtual ways of communication, banks need to keep up with changes and focusing on establishing and maintaining good relationships with their clients. In short, their focus needs to move from transactions to relationships. Features are not the winning turnpoint anymore. In such a saturated market, not being able to address a younger audience is a one-way ticket to bankruptcy.

    Learn more about Donald Hawkins and his career via his LinkedIn profile.

    ‘Banking on Air’ is the official Vacuumlabs podcast covering the challenges, opportunities, perspectives and opinions that matter to you and to our community. In this podcast, we are looking under the hood of the changing face of tech: the acceleration in all things digital, the impact of regulation (and disruption), the need for genuine collaboration – and the specter of competitors old and new as it plays out in fintech and financial services around the world.

    We’re making this series so we can share our experience and expertise in creating solutions for the digital journey for incumbents, community banks, and fintechs. We believe that the future is in communities when it comes to digital transformation in financial services, and we’ll be sharing our thoughts with you, but also getting your together with our guests.

    And don't forget to subscribe!

    • 41 min

Top podcasts em Negócios