The Tech Talks Daily Podcast Neil C. Hughes

In this episode, I sit down with John Gutch, the FinTech Product Director at Etc., the incubation arm of BT Group. Have you ever wondered how small businesses can streamline their payment processes without investing in additional hardware? This episode brings exciting news for entrepreneurs and small business owners looking to modernize their payment systems with minimal hassle.
BT Group, in collaboration with the financial technology platform Adyen, has introduced the BT Tap to Pay app. This innovative solution allows small businesses to accept contactless payments directly via their iPhone, eliminating the need for additional devices. Available now on the Apple App Store, BT Tap to Pay leverages the iPhone's robust security features and the reliable EE network, enabling businesses to process payments from virtually anywhere.
John Gutch delves into how this service offers a competitive 1.4% transaction fee and ensures funds are available within 48 hours. This move addresses a significant pain point for small businesses—handling payments on the go or remotely. With early positive feedback from diverse sectors like driving instructors and food trucks, the BT Tap to Pay app is proving to be a game-changer.
Join us as we explore how BT’s innovative approach through its Etc. incubation arm is not only simplifying payment processes but also pushing the boundaries of what’s possible with emerging technologies. From converting old broadband cabinets into EV charging stations to continuously learning and evolving, BT is at the forefront of tech innovation.
How do you think technology like BT Tap to Pay can impact small businesses? Share your thoughts and join the conversation.
 

Are we truly on the brink of a digital revolution where AI replaces human creativity and intelligence? A year ago, headlines suggested that AI could soon take over jobs, creating poems, art, and essays, and leaving humans redundant. But as we delve deeper, the reality paints a different picture: AI, on its own, lacks the purpose, creativity, and discernment that only humans can provide.
In today's episode, we sit down with Maria Schnell from RWS to explore the evolving relationship between AI and human intelligence. Maria shares insights into how AI, far from being an independent worker, needs human input to be effective. We'll discuss why AI, despite its incredible capabilities, often falls short without human oversight, leading to errors, biases, and a lack of creative nuance.
We'll challenge the notion that AI is a threat to jobs in fields like journalism, copywriting, and digital art, and instead highlight the emerging reality: AI and humans working together can achieve more than either can alone. Maria explains how AI can boost efficiency and productivity, while humans provide the essential context, creativity, and quality control.
We'll also delve into specific examples like translation, where the human touch is irreplaceable for understanding cultural nuances and engaging content creation. This episode shifts the conversation from a fear of AI replacing humans to how AI and human intelligence can complement each other to create Genuine Intelligence.
Join us as we explore how the future workforce can leverage AI and how AI systems can harness the irreplaceable human traits that drive innovation and creativity. How do you see the role of AI in your industry? Share your thoughts with us!
Tune in for an insightful conversation on the symbiotic relationship between AI and humanity, and discover why AI content just isn’t the same without human input.

Have you ever wondered how artificial intelligence is revolutionizing the insurance industry? In today's episode, we sit down with Zaheer Hooda, Head of North America at Cytora, a leading provider of AI-powered solutions for the insurance sector. Zaheer brings his extensive experience from McKinsey and his current role at Cytora to shed light on how AI is reshaping the way insurers operate.
Zaheer delves into the practical applications of AI in improving transparency within the insurance industry. He explains how AI technologies can streamline underwriting processes, reduce manual labor, and enhance underwriter productivity by digitizing and evaluating risk data. Zaheer highlights real-world success stories, including how Markel has seen a 100% increase in underwriting productivity thanks to Cytora’s AI-driven solutions.
We explore the complex nature of commercial insurance, which often involves lengthy and manual processes. Zaheer discusses how AI can navigate these complexities and help insurers adapt to changing real estate valuations due to climate change. He also touches on the future of AI in insurance, predicting that in the next 3-5 years, underwriters will rely more on AI-powered insights, leading to quicker, more accurate decisions and more affordable insurance options.
Transitioning from his consultative role at McKinsey to a dynamic environment at Cytora, Zaheer shares his journey of integrating AI solutions in a practical, non-disruptive manner. He emphasizes the importance of aligning technology with business objectives and managing change effectively.
Join us as we explore the exciting intersection of AI and insurance, uncovering the opportunities and challenges that lie ahead. What does the future hold for AI in insurance, and how will it continue to evolve? Listen in to gain valuable insights and join the conversation.

 




What does the future of finance look like, and how is cryptocurrency shaping this landscape? In this episode of Tech Talks Daily, we delve into these pressing questions with Tom Duff Gordon, the Vice President of International Policy at Coinbase. With a rich background in regulatory policy and government affairs from his tenure at Credit Suisse and active involvement with key policy groups, Tom brings a wealth of knowledge and insight into the global financial ecosystem.
Tom shares his experiences and perspectives on the transformative potential of cryptocurrencies and blockchain technology. We discuss how these innovations are enabling faster, cheaper, and more programmable payments, and how stablecoins and tokenization are opening up new opportunities for investors. Tom elaborates on Coinbase's ambitious international expansion strategy, detailing their "Go Deep, Go Broad" approach to establish localized operations in key markets while offering tailored services in others.
We also address the regulatory landscape, examining the challenges and progress in achieving regulatory clarity and building trust. Tom highlights the importance of initiatives like MiCA in Europe and discusses Coinbase's commitment to security and privacy, utilizing advanced technologies to protect user assets and data.
Additionally, we explore global market trends, such as the increasing institutional adoption of crypto, the rise of on-chain activity, and the political progress towards regulatory frameworks. Tom also shares insights into upcoming initiatives from Coinbase, including the "Stand With Crypto" campaign and the scaling of their layer-2 blockchain "Base."
Join us for an enlightening conversation on the future of finance, the role of cryptocurrencies, and the challenges and opportunities ahead. What are your thoughts on the regulatory landscape for cryptocurrencies? Share your opinions with us, and let’s continue this important discussion.

Join me, Neil, on this episode of Tech Talks Daily, where I sit down with Russ Thornton, Chief Technology Officer at Shawbrook Bank. Russ is at the forefront of Shawbrook Bank's ambitious digital transformation journey, leveraging AI-powered decisioning and workflow automation from Pegasystems to revolutionize their operations.
Under Russ's leadership, Shawbrook Bank has streamlined their loan processing time by an impressive 75%, while freeing up underwriters from 1,500 hours of manual work each month, all aimed at enhancing the customer experience. Recently, they've embarked on phase two of their transformation, deploying Pega Platform™ to overhaul their buy-to-let mortgage underwriting process, cutting processing times in half and tripling underwriter productivity.
In our conversation, Russ shares insights into his career journey and how it shapes his decisions as CTO. We explore the pivotal milestones Shawbrook Bank has achieved with these automation projects, and what lies ahead on their transformative roadmap. Russ also reflects on the lessons learned from these initiatives and provides a glimpse into future projects that will further elevate Shawbrook Bank's digital capabilities.
Tune in to learn how Shawbrook Bank is harnessing technology to drive efficiency, improve customer satisfaction, and pave the way for continued innovation in banking. What are your thoughts on the role of AI and automation in shaping the future of financial services? Share your thoughts with us after listening to this insightful episode.

In this episode of Tech Talks Daily, join me, Neil, as I sit down with John Simon, Co-founder and Board Chair at GreenLight Fund, and Managing Director at Sigma Prime Ventures. We delve into how GreenLight Fund is reshaping social innovation across America.
Founded on the principles of venture philanthropy, GreenLight Fund identifies and scales proven nonprofit solutions to tackle systemic challenges faced by communities nationwide. With operations spanning 13 cities and plans to expand to 16 soon, their unique model bridges the gap between local needs and impactful solutions.
John shares insights into GreenLight Fund’s journey over the past two decades, from their grassroots origins to becoming a catalyst for change in underserved communities. We explore their rigorous approach to selecting and implementing high-impact initiatives, driven by data and community collaboration.
Discover how GreenLight Fund leverages partnerships with local governments, schools, and nonprofits to ensure sustainable impact and measurable outcomes. John also discusses their ambitious vision for the next decade, aiming to reach millions of families across 25-30 cities with tech-enabled solutions.
Join us as we uncover the transformative power of social innovation and discuss the future of philanthropy in driving meaningful change. What are your thoughts on scaling social impact through venture philanthropy? Share your insights with us after listening to this episode.