9 episodes

Fintech Legal is a new podcast about the legal and regulatory issues in and around Fintech. Published weekly/fortnightly, the host is joined by a range of fantastic guests to discuss the latest legal news, developments, and trends in and around Fintech. Each episode will be devoted to a specific theme and will feature one or more experts talking about an issue of relevance to the industry. Whether you're a Fintech expert, a Fintech beginner or you just want to know more, this is the podcast for you!

Fintech Legal Clearview/Mark Sherwood-Edwards

    • Business

Fintech Legal is a new podcast about the legal and regulatory issues in and around Fintech. Published weekly/fortnightly, the host is joined by a range of fantastic guests to discuss the latest legal news, developments, and trends in and around Fintech. Each episode will be devoted to a specific theme and will feature one or more experts talking about an issue of relevance to the industry. Whether you're a Fintech expert, a Fintech beginner or you just want to know more, this is the podcast for you!

    9: Habito – building a new fintech

    9: Habito – building a new fintech

    Habito is an online mortgage provider, and doing what good fintech companies do well: using technology to make people’s life easier. In this episode of Fintech Legal, we talk to Rohan Paramesh, GC at Habito, about the challenges and opportunities of working in a fintech, how to be customer-centric, how to give non-cash buyers the advantages of being cash buyers, how to blend the best of humans and technology, and the process of taking a new product from drawing board to live offering.


    Guest:
    Rohan Paramesh
    General Counsel
    Habito
    https://www.habito.com/


    Host:
    Mark Sherwood-Edwards
    Clearview Legal
    www.theclearview.co.uk
    mse@theclearview.co.uk
    +44 7748 761972


    Material referred to:
    Further information on materials referred to in this podcast can be found on:
    Habito Go (https://www.habito.com/go) and Habito Plus (https://www.habito.com/plus)


    Contact details:
    You can contact the show at mse@theclearview.co.uk
    If you have questions, comments, suggestions for topics, or would like to appear on the show, please contact us on the email above.
    Special Guest: Rohan Paramesh.

    • 46 min
    8: Payments in the USA!

    8: Payments in the USA!

    Guest:
    Judie Rinearson
    Partner, K&L Gates.
    Judith.Rinearson@klgates.com
    http://www.klgates.com/


    Host:
    Mark Sherwood-Edwards, Clearview Legal.
    www.theclearview.co.uk
    mse@theclearview.co.uk
    +44 7748 761972


    Material referred to:
    None.


    Contact details
    You can contact the show at mse@theclearview.co.uk
    If you have questions, comments, suggestions for topics, or would like to appear on the show, please contact us on the email above.
    Special Guest: Judie Rinearson .

    • 42 min
    7: Blockchain regulation, Libra, CBDC, geopolitics, digital assets and use cases!

    7: Blockchain regulation, Libra, CBDC, geopolitics, digital assets and use cases!

    In this episode of Fintech Legal we talk to Daniel Gabriel, Accenture Legal Director and Global Regulatory Lead for Finance, Blockchain and BPO, and owner of one of the most interesting jobs around: figuring out regulatory solutions that enable Accenture’s customers to achieve their business objectives. In this wide-ranging discussion we talk about Blockchain regulation, Libra, CBDC, geopolitics, digital assets, use cases and – critically – how to keep on top of the reading.


    Guest: Daniel Gabriel, Accenture
    Accenture Legal Director: Finance, Blockchain and BPO Global Regulatory Lead
    daniel.gabriel@accenture.com
    https://www.accenture.com/


    Host: Mark Sherwood-Edwards, Clearview Legal.
    www.theclearview.co.uk
    mse@theclearview.co.uk
    +44 7748 761972


    Material referred to:
    FCA Guidance on Cryptoassets
    Feedback and Final Guidance to CP 19/3
    Policy Statement PS19/22
    July 2019
    https://www.fca.org.uk/publication/policy/ps19-22.pdf


    Contact details
    You can contact the show at mse@theclearview.co.uk
    If you have questions, comments, suggestions for topics, or would like to appear on the show, please contact us on the email above.
    Special Guest: Daniel Gabriel.

    • 51 min
    6: EQIbank - digital and offshore!

    6: EQIbank - digital and offshore!

    Neobanks are not only springing up in domestic territories, but also offshore. In this episode of Fintech Legal we talk to Jason Blick, CEO of EQIbank, arguably the leading offshore digital bank and, according to the press, the first outspokenly crypto-facing bank.
    Special Guest: Jason Blick.

    • 28 min
    5: Revolutionising Credit Scoring with Credit Kudos

    5: Revolutionising Credit Scoring with Credit Kudos

    Credit Kudos is credit bureau challenger. Credit scoring is one of the cornerstones of the financial services industry. It’s been historically mysterious, and it still remains dominated by three incumbents, Equifax, Experian and TransUnion. Credit Kudos aims to change all that. Credit Kudos has introduced a whole new model – instead of a credit score built up from a series of random interactions, Credit Kudos uses open banking to get (consent based) access to a would-be borrower’s financial history, and calculates a credit score from that hard data. In this episode we talk to Freddy Kelly, co-founder of Credit Kudos, and talk about how the business go started, getting the required authorisations, liaising with the FCA, GDPR issues, the advantages of consented data, machine learning and much more.


    Here’s a summary of what Credit Kudos does: “Credit Kudos uses consumer transaction data to build highly accurate and transparent credit score-cards and affordability metrics. The product makes decisioning possible for the ~8m previously “unbanked” as well as those with nonexistent or “thin” credit files.”


    Guests


    Freddy Kelly
    Co-Founder and CEO, Credit Kudos


    Contact details:
    Phoebe Allen
    Head of Marketing
    Phoebe.allen@creditkudos.com
    02030967180


    Host: Mark Sherwood-Edwards, Clearview.
    www.theclearview.co.uk
    Email: mse@theclearview.co.uk
    Telephone: 07748 761972


    Material referred to:
    https://ico.org.uk/media/for-thepublic/documents/1282/credit-explained-dp-guidance.pdf


    Contact details
    You can contact the show at mse@theclearview.co.uk
    If you have questions, comments, suggestions for topics, or would like to appear on the show, please contact us on the email above.
    Special Guest: Freddy Kelly.

    • 38 min
    4: OakNorth

    4: OakNorth

    Episode 4 – OakNorth Bank


    About this episode:
    OakNorth bank is one of the UK’s leading challenger banks. It’s the UK’s first in-the-cloud bank and, arguably, the UK’s most valuable fintech company. In this episode, we talk to Ben Wulwick, Head of Legal and Transaction Management, about how running a legal department in a challenger bank differs from running a legal department in a traditional bank, and to Ben Barbanel, Head of Debt Finance, about how OakNorth’s approach to lending differs to that of traditional banks and to that of most fintech companies.


    *Guests: *


    Ben Wulwik
    Head of Legal and Transaction Management


    Ben Barbanel
    Head of Debt Finance


    Host
    Mark Sherwood-Edwards, Clearview.
    www.theclearview.co.uk
    Email: mse@theclearview.co.uk
    Telephone: 07748 761972


    **
    Material referred to:**
    None relevant.


    Contact details
    You can contact the show at mse@theclearview.co.uk
    If you have questions, comments, suggestions for topics, or would like to appear on the show, please contact us on the email above.
    Special Guests: Ben Barbanel and Ben Wulwik.

    • 39 min

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