Tales from the #FinTech Crypt

Duena Blomstrom

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A production of Emotional Banking™, this podcast lifts the veil on the so-called FinTech industry. Technology and Banking together building digital propositions - the people, the tea, the warstories and the lessons with a sprinkling of sass from the makers of People AND Tech and Secret Society for Human Debt Fighters.

07.04.2025

S2 E3 - Innovating for a Sustainable Future - Gustavo Vinacua

Innovating for a Sustainable Future - Gustavo Vinacua 💥 Summary In this compelling episode of Tales from the FinTech Crypt, Duena Blomstrom sits down with Gustavo Vinacua, a sustainability and innovation strategist and former driving force behind BBVA’s transformation into a FinTech innovation leader. This isn’t just a story about banking - it’s a front-row seat to how legacy institutions evolve, how sustainability became a serious business lever, and why emotional intelligence and diversity are critical to the future of finance. From building human-first systems to challenging the status quo, Gustavo shares the bold moves and hard lessons that shaped a career spent at the bleeding edge of change. Whether you're a founder, tech leader, or innovation strategist, this episode will leave you rethinking what it means to lead in FinTech today. 🔥 Takeaways Gustavo’s FinTech journey began in 2009, long before it was cool.BBVA was a first mover in breaking open banking innovation.The culture at BBVA empowered experimentation and real innovation.Under Carlos Torres, sustainability shifted from rhetoric to strategy.Emotional intelligence is a business-critical skill, not a bonus.FinTech still has a diversity problem - and it’s holding us back.The industry holds massive untapped power to drive sustainability.Financial inclusion in Europe is a growth frontier.Businesses can scale and create positive impact, it’s not either-or.The human element must stay central in our digital transformation efforts.💬 Sound Bites “BBVA was one of the first banks to innovate.”“We need to focus on the human element of everything.”“We need to keep doing more for women in business.”“We can do capitalism with the right purpose.”“Sustainability is part of our daily lives.”“We need to prepare people for the AI battle.”🕐 Chapters 00:00 - Introduction to FinTech Journeys 02:54 - The Role of BBVA in FinTech Innovation 06:08 - Navigating Innovation and Compliance in Banking 08:53 - Sustainability in Banking and Financial Technology 12:02 - Human Systems and Emotional Intelligence in FinTech 15:01 - Diversity and Inclusion in the FinTech Industry 18:05 - The Future of FinTech and Sustainability 20:55 - Building a Positive Impact through Innovation 23:51 - Challenges and Opportunities in European FinTech 26:56 - The Human Element in Sustainability 29:56 - Conclusion and Future Conversations 🎧 Episode TL;DR This episode is a must-listen for anyone in FinTech or tech who cares about building things that last. Learn from a pioneer who helped redefine what innovation in finance could look like - and why empathy, sustainability, and inclusion aren’t distractions, they’re the engine of what’s next. 📌 2026 Framework Update This episode maps to the V9 canonical framework — Emotional Banking™ → Human Debt™ → Execution Integrity → Human Machine Intelligence™. Emotional Banking™: https://duenablomstrom.com/concepts/emotional-bankingApply it: Emotional Banking (Palgrave Macmillan)Books: duenablomstrom.com/booksFull framework: duenablomstrom.com/what-is-execution-integrity

30 Min.
26.02.2025

S2E2 - Past and Future OGs of FinTech - Matteo Rizzi

In this engaging conversation, Duena Blomstrom interviews Matteo Rizzi, a prominent figure in the fintech industry, discussing his extensive journey through fintech, investment in emerging markets, and the creation of impactful initiatives like TimePledge. They explore the intersection of sustainability and finance, the importance of talent management, and the need for authenticity and courage in innovation. The discussion highlights the future of fintech, focusing on digital assets and financial inclusion, particularly in Africa. Takeaways Matteo Rizzi has 25 years of experience in fintech.Investing in Africa is a key focus for Matteo.TimePledge aims to coach African entrepreneurs on soft skills.Sustainability is becoming increasingly important in finance.Fintech can help level up the bottom billions.Talent management is crucial for innovation in financial services.Authenticity and courage are essential for disruptive change.The future of fintech includes a focus on digital assets.Inclusion of the next billion customers is necessary.Collaboration and communication are vital for team effectiveness. Sound Bites "Investing in Africa is a passion of mine.""We need more people that are not controlled by fear.""We should focus on who we have in the team."Chapters 00:00The Journey of Matteo Rizzi in FinTech 10:18Impact Investing and Entrepreneurship in Africa 20:05The Intersection of Sustainability and Finance 25:35FinTech and Financial Inclusion 28:42Sustainability and the Future of Finance 30:21AI's Role in Financial Services 40:05Talent Management in Banking 46:54The Importance of Human Connection in Finance 📌 2026 Framework Update This episode maps to the V9 canonical framework — Emotional Banking™ → Human Debt™ → Execution Integrity → Human Machine Intelligence™. Emotional Banking™: https://duenablomstrom.com/concepts/emotional-bankingApply it: Emotional Banking (Palgrave Macmillan)Books: duenablomstrom.com/booksFull framework: duenablomstrom.com/what-is-execution-integrity

48 Min.
30.01.2025

S2E1 - Bridging Passion and Data in Finance – A Deep Dive with Andra Sonea

Summary In this thought-provoking conversation, Duena Blomstrom sits down with Andra Sonea to unravel the intricate evolution of fintech and its transformative impact on banking. From the once-niche fintech events to the mainstream revolution of open banking, they explore the critical shifts that have redefined financial services. Together, they dissect the complex relationship between front-end and back-end banking systems, the ongoing battle with technical debt, and the persistent gap between business and IT. Andra shares invaluable insights from her research, highlighting the transition from practitioner to academic and why banking must be seen as a critical national infrastructure. This episode is a must-listen for anyone eager to understand the past, present, and future of financial technology, as well as the challenges and opportunities shaping the industry. Key Takeaways🚀 Fintech’s rise from the fringes to the forefront – Once dismissed as a niche sector, fintech has evolved into a powerful force driving change in banking.🔄 Banking technology has undergone a seismic shift – The industry’s understanding of digital transformation, technical debt, and system architecture has matured significantly.⚠️ Technical debt remains a major hurdle – Legacy systems continue to slow innovation, making modernization an ongoing challenge.💳 Open banking has redefined consumer access – The shift towards data transparency has empowered consumers but also raised regulatory and technological complexities.🔍 The business-IT divide still persists – Bridging the gap between banking executives and technologists is critical to future-proofing the industry.💰 Banking inefficiencies have been tolerated due to profitability – Large profit margins have historically masked operational shortcomings, but fintech disruption is changing the game.🌍 The global impact of open banking is undeniable – From Europe to emerging markets, the ripple effects of open banking continue to shape financial ecosystems.📚 Research is key to bridging theory and practice – A more structured approach to fintech research can help align technological innovation with real-world banking challenges.🏦 Understanding banking as critical infrastructure is essential – The future of banking must be viewed through the lens of national stability and economic security.🤖 A holistic approach to technology is the future – Innovation in banking must integrate technology, regulation, and business strategy to drive meaningful progress. Memorable Sound Bites💬 “The discourse and the understanding have changed.”💬 “There is so much bloat in technology and banking in particular.”💬 “The gap was always there.”💬 “We can do what you need to do.”💬 “Banking enjoyed a good profit margin.”💬 “Open banking has forced a lot of change.”💬 “The effect of open banking goes a long way.”💬 “Banking is a self-regulated industry.” Chapter Breakdown⏳ 00:00 – Introduction: Fintech Journeys & Personal Reflections⏳ 02:55 – The Evolution of Fintech: From Niche to Necessity⏳ 06:03 – Understanding the Banking Landscape & Its Challenges⏳ 08:56 – The Power Struggle: Back-End vs. Front-End Banking Systems⏳ 11:48 – Technical Debt: A Silent Threat to Banking Innovation⏳ 15:15 – Open Banking: A Catalyst for Change or a Regulatory Hurdle?⏳ 18:03 – Research in Banking: Bridging Academia & Real-World Solutions⏳ 20:53 – The Transition from Practitioner to Academic: Lessons Learned⏳ 23:55 – The Future of Banking: What’s Next for Technology & Regulation? 📌 2026 Framework Update This episode maps to the V9 canonical framework — Emotional Banking™ → Human Debt™ → Execution Integrity → Human Machine Intelligence™. Emotional Banking™: https://duenablomstrom.com/concepts/emotional-bankingApply it: Emotional Banking (Palgrave Macmillan)Books: duenablomstrom.com/booksFull framework: duenablomstrom.com/what-is-execution-integrity

41 Min.
28.11.2024

TFTFC - S1E8 - The Role of FinTech in the AI-driven world of the Future - Brett King

SummaryIn this episode, Duena Blomstrom and Brett King dive into the transformation of banking from traditional branches to a digital-first future. They discuss AI's role in reshaping financial services, the philosophical shifts needed in our economic models, and how AI could intersect with climate change. The conversation also touches on generational value changes, the ethical challenges around AI, and the importance of keeping the human touch in tech and finance. This is a must-listen for anyone interested in the future of fintech, technology, and building a sustainable world. Takeaways Branches are becoming educational centers for digital banking.AI will serve as a personal financial coach and health manager.Technological advancements can solve major societal issues like homelessness.The next generation is moving away from traditional capitalism.A new system of value is needed to accommodate longer lifespans.Meaningful work will become a priority for future generations.AI development is at a critical formatting stage.Humanity must evolve to address ethical dilemmas in technology.Productivity gains may lead to increased unemployment.The seeds of change in economic philosophy have been planted.Titles From Branches to Digital: The Future of BankingAI as Your Financial Coach: A New EraAI-driven Changes to the World and Financial ServicesSound Bites "We are at a formatting stage of AI.""We have to grow up as a species.""We need a different system of value."Chapters 00:00The Evolution of Banking: Branches to Digital Excellence 04:00AI and the Future of Financial Services 07:15The Intersection of Technology and Human Values 09:55Economic Philosophies and the Role of AI 13:14The Generational Shift in Economic Perspectives 15:55The Future of Work and Longevity 19:06The Role of Fintech in a Changing World 22:09Navigating Ethical Challenges in AI 25:14The Importance of Personal Data in the AI Era 28:22The Future Landscape of Financial Institutions 31:05Hope and Challenges Ahead 📌 2026 Framework Update This episode maps to the V9 canonical framework — Emotional Banking™ → Human Debt™ → Execution Integrity → Human Machine Intelligence™. Co-Regulated Execution™: https://duenablomstrom.com/co-regulated-execution-systemsApply it: HumanAgents.ioBooks: duenablomstrom.com/booksFull framework: duenablomstrom.com/what-is-execution-integrity

41 Min.
18.11.2024

TFTC - S1E7 - FinTech Ecosystems and Rails - Nasir Zubairi

Get ready for an exciting and honest conversation as Duena Blomstrom and Nasir Zubairi dive into the fascinating evolution of the FinTech industry! From its humble beginnings to the entrepreneurial journeys that shaped it, they explore where we are now and the innovations pushing financial services forward. You'll hear all about the challenges startups face, the cultural hurdles in traditional banking—including their infamous spaghetti backend systems—and whether banks can truly embrace Agile and customer-centric ways of working. They pull no punches while also discussing the game-changing potential of AI. The discussion wraps up with hopeful predictions for the future of banking and why adapting to change is more crucial than ever. Takeaways The term 'FinTech' was not in use until around 2011.The financial crisis spurred innovation and interest in new financial solutions.Entrepreneurial journeys often involve both successes and failures.Cultural challenges within banks hinder true innovation.AI has the potential to transform financial services significantly.Startups need access to capital and customers to thrive.The regulatory environment poses barriers to entry for new firms.Understanding customer needs is crucial for product development.Predictive AI can enhance customer engagement and service delivery.The future of banking may see significant changes in the next 5 to 10 years.Titles The Dawn of FinTech: A Historical PerspectiveEntrepreneurial Journeys: Lessons from the TrenchesChapters00:00The Dawn of FinTech: A Historical Perspective03:15Entrepreneurial Journeys: Lessons from the Field06:33Innovation in Financial Services: Current Landscape and Future Opportunities09:23The Role of Startups in Driving Change12:27Navigating the Regulatory Landscape: Challenges and Solutions15:31Building a Supportive Ecosystem for Startups18:15The Importance of Culture in Financial Institutions21:08The Future of Banking: Predictions and Insights 📌 2026 Framework Update This episode maps to the V9 canonical framework — Emotional Banking™ → Human Debt™ → Execution Integrity → Human Machine Intelligence™. Emotional Banking™: https://duenablomstrom.com/concepts/emotional-bankingApply it: Emotional Banking (Palgrave Macmillan)Books: duenablomstrom.com/booksFull framework: duenablomstrom.com/what-is-execution-integrity

43 Min.
05.11.2024

S1E6 - The Future of Banking is (still) in Personalisation - Alex Jimez

In this lively conversation, Duena Blomstrom and Alex Jimenez, both members of the "FinTech Mafia ThinkTank," offer an insider's perspective on the fascinating journey of the fintech industry. They dive into its early beginnings, the struggles of driving innovation in traditional banking, and envision an exciting future where banking becomes truly personalized and consumer-centric. With a focus on how technology is reshaping finance, they reflect on the industry's evolution and the urgent need for banks to keep pace with changing customer expectations. It's an insightful discussion about where fintech has been, where it's headed, and how it’s transforming the way we experience banking. TakeawaysThe first significant fintech event was Finnovate in 2011.Innovation in banks often faces cultural resistance.The concept of failing fast is not embraced by all banks.Branches are still relevant despite predictions of their demise.True personalization in banking is still a work in progress.AI is seen as a potential tool for better personalization.Consumers often prefer simplicity over complex financial data.The younger generation is more influenced by social media for financial advice.Corporate banking is demanding more digital experiences.The gap between consumer expectations and banking services remains large. TitlesExploring the Roots of FintechInnovation Challenges in BankingOnly Now Is Innovation Truly InternalBanking Hasn't Kept Up the Pace Sound Bites"Finovate was a series of actual product demos.""We do not fail fast at this bank.""Branches were only going to be alive for five years." 📌 2026 Framework Update This episode maps to the V9 canonical framework — Emotional Banking™ → Human Debt™ → Execution Integrity → Human Machine Intelligence™. Emotional Banking™: https://duenablomstrom.com/concepts/emotional-bankingApply it: Emotional Banking (Palgrave Macmillan)Books: duenablomstrom.com/booksFull framework: duenablomstrom.com/what-is-execution-integrity

32 Min.
29.10.2024

S1E5 - Curating Innovation for FinTech Success - Alessandro Hatami

In this lively conversation, Duena Blomstrom sits down with Alessandro Hatami, a former banker turned FinTech trailblazer and innovation catalyst, to dive into the evolution of the FinTech industry. They tackle the challenges faced by traditional banks and the exciting opportunities that collaboration between incumbents and challengers can bring. With insights into how banks must adapt to truly understand customer needs, the role of regulation as a catalyst for innovation, and the shifting landscape of employee well-being, this discussion is a must-hear for anyone interested in the future of finance. Duena and Alessandro highlight the ongoing journey of transformation in financial services and outline the clear, actionable pathways needed to drive meaningful change. Takeaways Collaboration between challengers and incumbents is essential for innovation.Banks need to focus on understanding customer needs rather than just selling products.Regulation must be enforceable to drive meaningful change in the industry.Employee well-being is crucial for retention and organizational success.The future of banking will involve a combination of incumbents and new players.AI and digital transformation are ongoing processes that require careful management.Organizations must define clear metrics for success in their transformation journeys.The perception of banks is changing, and they must adapt to remain relevant.Understanding the market landscape is vital for making informed decisions.Transformation is a continuous journey, not a destination.Titles Navigating the Future of FinTechThe Evolution of Financial ServicesSound Bites "The future of innovation is collaboration.""Banks are selling the ability to achieve goals.""Regulation must have repercussions to be effective."Chapters 00:00Introduction and Background 03:43The Evolution of FinTech and Global Perspectives 06:49The Role of Incumbents and Challengers in Innovation 10:47Challenges in Corporate Innovation and Honesty 13:33Understanding Customer Needs in Banking 17:07The Changing Landscape of Banking and Competition 21:07The Future of Financial Services and Digital Transformation 23:46The Role of Boards in Driving Change 27:11Internal Politics and the Challenge of Transformation 30:25The Importance of ROI in Innovation 33:04The Impact of Open Banking and AI 36:17Regulation as a Catalyst for Innovation 40:04The Changing Dynamics of Employee Engagement 44:52Steps for Successful Transformation in Organizations 📌 2026 Framework Update This episode maps to the V9 canonical framework — Emotional Banking™ → Human Debt™ → Execution Integrity → Human Machine Intelligence™. Emotional Banking™: https://duenablomstrom.com/concepts/emotional-bankingApply it: Emotional Banking (Palgrave Macmillan)Books: duenablomstrom.com/booksFull framework: duenablomstrom.com/what-is-execution-integrity

48 Min.
08.10.2024

S1E4 - The State of FinTech in 2024 and Beyond - Theodora Lau

In this captivating episode of "Tales from the Fintech Crypt," join Duena Blomstrom and Theo Lau as they embark on a thought-provoking journey through the dynamic world of fintech. They delve into how the COVID-19 pandemic has reshaped the financial landscape and explore the ongoing challenges facing the banking sector today. With an insightful lens, Duena and Theo reflect on the incremental technological advancements that have emerged and highlight the urgent need for a cultural transformation within financial institutions. Their conversation spans generational perspectives on banking needs, shedding light on the crucial importance of financial inclusion for everyone. As they navigate these complex themes, the duo emphasizes the vital role of leadership in driving meaningful change within the industry. Ultimately, their discussion inspires hope, showcasing the necessity of heart and goodwill in crafting a brighter financial future for all. Tune in for an episode that not only informs but also ignites passion for a more inclusive financial world! Takeaways COVID-19 was initially seen as a game changer for fintech.The funding trends for women in fintech have not improved significantly.There is a comfort in returning to business as usual post-pandemic.Generational needs in banking are more about life stages than age.Incremental change in fintech is not enough to meet consumer needs.Cultural transformation is essential for innovation in banking.Financial inclusion remains a critical issue globally.The role of technology should focus on solving real consumer problems.Leadership in banking needs to embrace courage and empathy.The next generation of fintech leaders will bring new perspectives and values.Sound Bites "We finally see the value of different people.""We still have more than a billion people unbanked.""We need to push the envelope."Chapters 00:00Introduction and Expectations 03:45The State of Fintech in 2024 09:20The Need for Human-Centered Design in Banking 14:36The Obsession with Segmentation in Banking 15:50The Lack of Significant Progress in Fintech 17:42The Potential of Blockchain and AI 22:40The Mushrooming of Fintech Companies 23:28The Lack of Innovation in Traditional Banks 24:50The Disconnect Between Back-End Advancements and Front-End Customer Experience 26:04The Challenges of Inertia, Trust, and Regulatory Issues 31:21The Importance of Culture, Courage, Empathy, and Genuine Communication 36:35The Need for Financial and Digital Inclusion 39:54Addressing Societal Issues Through a More Equal and Fair State of Money Movement 44:29The Shift in Mindset and Leadership Needed for Innovation in Banking 📌 2026 Framework Update This episode maps to the V9 canonical framework — Emotional Banking™ → Human Debt™ → Execution Integrity → Human Machine Intelligence™. Emotional Banking™: https://duenablomstrom.com/concepts/emotional-bankingApply it: Emotional Banking (Palgrave Macmillan)Books: duenablomstrom.com/booksFull framework: duenablomstrom.com/what-is-execution-integrity

49 Min.
23.09.2024

S1E3 - Exploring the True Passion for Innovation that Built FinTech - Roberta Profeta

In this dynamic conversation, Duena Blomstrom and Roberta Profeta share captivating stories from their journeys in the FinTech world, diving deep into the transformation of banking and the bold challenges of driving innovation. They highlight the crucial roles culture and gender play in shaping change, while exploring how passion and authenticity define strong leadership. The discussion delves into cutting-edge topics like AI, blockchain, and the growing need for a holistic approach to innovation in financial services. Their insights offer an inspiring and Takeaways Roberta Profeta is a key figure in the FinTech industry.Innovation requires finding champions within organizations.Cultural change is essential for successful digital transformation.The banking sector is slowly adapting to new technologies.Gender equality in banking is still a work in progress.Passion and authenticity are crucial for leadership.Blockchain offers opportunities beyond just cryptocurrency.AI is attracting a lot of attention and investment.The energy to change in the industry is still present.Peer pressure should not dictate one's professional identity.TitlesNavigating Gender Dynamics in BankingReflections on the FinTech Revolution Sound Bites"I challenge anyone to meet Roberta Profeta and not fall in love.""Innovation was the ability to deeply change perspectives.""You can't do innovation for the sake of it." Chapters00:00Introduction and Background04:01The Early Days of Fintech and Bringing Innovation to Banks10:21The Importance of Culture and Mindset in Driving Innovation14:13Adapting to Change and Embracing Agility18:09The Impact of Innovation on the Bottom Line20:23Regulation as a Driver of Change in Banking26:32The Future of Fintech: Energy and Momentum27:15The Shift in the Startup Ecosystem28:14The Potential Mushrooming of Enterprises in the ML Space30:30The Evolution of Blockchain37:52Challenges and Experiences of Women in Banking44:12Staying True to Oneself and Making a Positive Impact See more at www.peoplenottech.com 📌 2026 Framework Update This episode maps to the V9 canonical framework — Emotional Banking™ → Human Debt™ → Execution Integrity → Human Machine Intelligence™. Emotional Banking™: https://duenablomstrom.com/concepts/emotional-bankingApply it: Emotional Banking (Palgrave Macmillan)Books: duenablomstrom.com/booksFull framework: duenablomstrom.com/what-is-execution-integrity

49 Min.
06.09.2024

S1E2 - How FinTech was Built on Products and Passion - Einar Gustafsson

In this conversation, Duena Blomstrom and Einar Gustafsson discuss their very early experiences in the fintech industry and the challenges they faced. They reflect on their time working together and the innovative solutions they developed. They also explore the mindset and culture in Iceland that fosters innovation and resourcefulness. The conversation highlights the importance of building products with a focus on user experience and the struggles of implementing innovation within large organizations. Overall, it provides insights into the early days of fintech and the lessons learned along the way. ---------------------- The early days of fintech were characterized by a product-led approach, with companies building innovative solutions and driving the discourse in the industry.Implementing innovation within large organizations can be challenging due to bureaucratic processes and resistance to change.The Icelandic mindset of resourcefulness and a willingness to take risks has contributed to the country's success in fintech.Modesty and humility are common traits among Icelandic entrepreneurs, which can sometimes hinder self-promotion and recognition of their achievements.Building products with a focus on user experience is crucial for success in the fintech industry.---------------------- Sound Bites "We became a rock star overnight""The biggest benefit that we have is that we are a small country""If you have your mind in the right place and you really want to build technology that goes to humans with other humans in teams that are empowered, then you're going to get that"Chapters 00:00Introduction and Early Beginnings 02:53The Idea of Emotional Banking 06:03Juggling Work and Parenthood 09:47Einar's Journey in Fintech 18:00The Launch of a New Product and the Finnovate Experience 22:54The Innovation Landscape in Fintech 27:13Challenges in Implementing Innovation 32:12The Icelandic Mindset and Culture 34:50Modesty and Humility in Icelandic Entrepreneurs 36:08The Importance of User Experience in Fintech 📌 2026 Framework Update This episode maps to the V9 canonical framework — Emotional Banking™ → Human Debt™ → Execution Integrity → Human Machine Intelligence™. Emotional Banking™: https://duenablomstrom.com/concepts/emotional-bankingApply it: Emotional Banking (Palgrave Macmillan)Books: duenablomstrom.com/booksFull framework: duenablomstrom.com/what-is-execution-integrity

37 Min.
23.08.2024

TFTFC - SE1E1 -A Walk Down Memory Lane -A Conversation with the "Daddy of Fintech"-Nektarios Liolios

In this conversation, Duena Blomstrom and Nektarios Liolios discuss the early days of fintech and the challenges faced in driving innovation within the banking industry. They reflect on the lack of fundamental change in the banking experience and the burnout experienced by those OGs working to digitally transform banks. They highlight the disconnect between the ambition for change and the lack of delivery capability within banks. They also discuss the need for banks to focus on the care towards their customers and the importance of addressing the needs of underrepresented communities. They conclude with a hopeful message that meaningful change can come from startups and complementary services rather than relying solely on traditional banks. TakeAways The early days of fintech were characterized by enthusiasm and a belief that technology would fundamentally change the banking industry.Despite efforts to drive innovation, there has been a lack of fundamental change in the banking experience.The disconnect between ambition for change and delivery capability within banks has hindered progress.Banks need to focus on the care towards their customers and address the needs of underrepresented communities.Meaningful change can come from startups and complementary services rather than relying solely on traditional banks.Titles Addressing the Needs of Underrepresented Communities in BankingThe Disconnect Between Ambition and Delivery Capability in BanksSound Bites "The most important figure you can even bring to mind when it comes to the people that have constructed digital and fintech.""The effort that has gone into digitally transforming banks has turned into an amount of burnout for the most of us.""The banking industry doesn't need to be the innovative."Chapters 00:00Introduction and Nektarios' Role in Fintech 09:12The Lack of Fundamental Change in the Banking Experience 13:04The Need for Human-Centered Design and Care Towards Customers 21:16The Obstacles to Innovation: Procurement, Legal, and Compliance 26:05Technology-Enabled Business Model Innovation 31:54The Role of Startups in Driving Innovation 33:14High (Short) 📌 2026 Framework Update This episode maps to the V9 canonical framework — Emotional Banking™ → Human Debt™ → Execution Integrity → Human Machine Intelligence™. Emotional Banking™: https://duenablomstrom.com/concepts/emotional-bankingApply it: Emotional Banking (Palgrave Macmillan)Books: duenablomstrom.com/booksFull framework: duenablomstrom.com/what-is-execution-integrity

33 Min.

11 Folgen

A production of Emotional Banking™, this podcast lifts the veil on the so-called FinTech industry. Technology and Banking together building digital propositions - the people, the tea, the warstories and the lessons with a sprinkling of sass from the makers of People AND Tech and Secret Society for Human Debt Fighters.

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Duena Blomstrom
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2024 - 2025
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© 2026 Duena Blomstrom