Deciphered: The Fintech Podcast

5.0 (13)
BUSINESS
UPDATED MONTHLY

Deciphered is a fintech podcast brought to you by Bain & Company. Each episode brings insight and analysis on specific industry topics, dissected with data with help from fantastic guests. We're deciphering the financial services world in a way that is digestible, to help add context to your day to day industry conversations.

11/24/2025

From Assistants to Agents: The Future of AI in Financial Services

In this episode of Deciphered, Jeff Tijssen, partner and global head of Fintech, Bain & Company and Mike Cashman, partner, Bain & Company are joined by Mike Edmonds, VP of Agentic Commerce, Commercial Growth, PayPal and Pahal Patangia, Head of Payments Strategy, NVIDIA to discuss the future of AI in financial services. Timestamps: 00:00 Introduction04:50 Personalization and friction reduction through agentic AI05:13 Supercharging workflows in financial services with AI06:19 Distinction between traditional, generative, and agentic AI09:24 Shift from reactive to predictive banking with AI13:46 Current adoption curve of agentic AI in finance15:01 Promising use cases of agentic AI in commerce17:27 Autonomous agents and redefining customer engagement21:45 Barriers to adopting AI at scale in organizations26:38 Building and maintaining trust in AI-driven decisionsPlease subscribe to the show so you never miss an episode, and leave us a review if you enjoy the show! You can find Jeff Tijssen hereYou can find Mike Cashman hereYou can find Mike Edmonds hereYou can find Pahal Patangia hereFor more insights from the Deciphered podcast, visit the page on Bain’s website

36 min
08/19/2025

Fund Administration: AI’s Growing Impact on Fund Services

In this episode of Deciphered, Mike Cashman, partner, Bain & Company is joined by Alex Robinson, CEO, Juniper Square to discuss AI’s growing impact on fund services. Timestamps: 03:52 Digital interfaces for investor experience in private markets13:54 Automation in repetitive fund administration tasks18:58 Probabilistic vs deterministic models in AI applications27:19 Future industry structure of fund administration services34:20 Passporting KYC identities across funds and platforms39:04 Protocol-based solutions for universal KYC in private markets39:32 How to learn more about Juniper Square's innovationsPlease subscribe to the show so you never miss an episode, and leave us a review if you enjoy the show! You can find Mike Cashman hereYou can find Alex Robinson hereFor more insights from the Deciphered podcast, visit the page on Bain’s website

40 min
07/22/2025

Stablecoins: State of the Union 2025

In this episode of Deciphered, Mike Cashman, partner, Bain & Company is joined by Ricardo Correia, partner, Bain & Company, Dante Disparte, CSO and Head of Global Policy and Operations, Circle, Jane McEvoy, SVP Fintech, BVNK and Cindy Turner, Chief Product Officer, WorldPay to discuss the state of stablecoins in 2025. Timestamps: 03:22 Stablecoin infrastructure providers and enterprise integration04:53 WorldPay's stablecoin payout solutions for marketplaces06:11 Stablecoins disrupting traditional cross-border payments10:00 Singleness of money and stablecoin interoperability14:40 Elasticity of money and stablecoin reserves17:41 Productization of stablecoins in payouts and escrow27:03 Regulatory harmonization for stablecoins across jurisdictions31:27 Future use cases of stablecoins beyond cross-border paymentsPlease subscribe to the show so you never miss an episode, and leave us a review if you enjoy the show! You can find Mike Cashman hereYou can find Ricardo Correia hereYou can find Dante Disparte hereYou can find Jane McEvoy hereYou can find Cindy Turner hereFor more insights from the Deciphered podcast, visit the page on Bain’s website

46 min
07/02/2025

What’s Next for Fintech: AI, IPOs and Stablecoins

In this episode of Deciphered, Jeff Tijssen, partner and global head of Fintech, Bain & Company is joined by Georgios Kolovos, EMEA Payments & Fintech Leader, NVIDIA and Phoebe Wallis, Chief Revenue Officer, Griffin to discuss what’s next for Fintech. Timestamps: 5:51 What's next for Fintech?8:50 Evolution of Fintech landscape post-funding boom11:26 Emerging trends: AI, stablecoins, and data challenges16:17 Nvidia's work with FS firms on AI efforts20:20 Practical AI applications in fraud and risk mitigation24:04 Outlook for Fintech IPOs and market sentiment27:45 Future of Fintech: Personalization and vertical paymentsPlease subscribe to the show so you never miss an episode, and leave us a review if you enjoy the show! You can find Jeff Tijssen hereYou can find Georgios Kolovos hereYou can find Phoebe Wallis hereFor more insights from the Deciphered podcast, visit the page on Bain’s website

34 min
12/18/2024

Looking Ahead: What Are the Top Trends for Fintech in 2025

In this episode of Deciphered, Adam Davis, expert associate partner at Bain & Company and Jeff Tijssen, partner and global head of Fintech, Bain & Company are joined by an all-Bain lineup, Karim Ahmad, expert partner, Mike Smith, expert partner, and Tevia Segovia, partner to discuss what will be the top Fintech trends of 2025. Timestamps: 03:13 Looking Ahead: What Are the Top Trends for Fintech in 202509:42 Has a stable environment materialised over the last year?14:19 Fintech investment15:46 Impact of the election on private markets18:28 What excites you in the FS ecosystem in 2025?20:47 What's caught your eye in the world of payments?24:05 PSD regulations27:11 Stripe & becoming processor agnostic29:39 How will stablecoins affect the market in 2025?31:18 Is Klarna's IPO valuation vindication for the BNPL model?33:17 How will the election affect fintech & FS endeavours going into 2025?34:49 Pre-election crypto promises38:32 Growth in valuations for tier 1 players42:26 AI use case break throughs44:32 How can digital banks stand out to investors in 2025?47:43 FS predictions for 2025Please subscribe to the show so you never miss an episode, and leave us a review if you enjoy the show! You can find Adam Davis hereYou can find Jeff Tijssen hereYou can find Mike Smith hereYou can find Tevia Segovia hereYou can find Karim Ahmad hereFor more insights from the Deciphered podcast, visit the page on Bain’s website

51 min
12/03/2024

Navigating the Waves: Exploring Fintech Investment Trends in Asia

In this episode of Deciphered, Jeff Tijssen, partner and global head of Fintech, Bain & Company, is joined by Kelvin Tan, chief executive officer, Audax and Rishi Sethi, head of Fintech, Torch Partners to discuss Fintech investment trends in Asia. Timestamps: 03:30 Why is Asia such an exciting Fintech market?07:13 Upcoming Fintech trends11:57 What does the current Fintech investment landscape look like in Asia?17:18 How has the Fintech ecosystem in Asia evolved in recent years?20:50 What challenges do Asian Fintechs face looking to expand across the region?24:24 How will the Asian FinTech landscape evolve over the next 2-3 years?27:08 How can the region attract more investments?29:32 How can the government create an environment for Fintechs to thrive?33:23 Advice for aspiring entrepreneurs building in AsiaPlease subscribe to the show so you never miss an episode, and leave us a review if you enjoy the show! You can find Jeff Tijssen hereYou can find Kelvin Tan hereYou can find Rishi Sethi hereFor more insights from the Deciphered podcast, visit the page on Bain’s website

38 min
11/19/2024

From Turbulence to Triumph: Are We About to Witness the Great Fintech Rebound?

In this episode of Deciphered, host Jeff Tijssen, partner and global head of Fintech, Bain & Company, is joined by Mike Cashman, partner at Bain & Company, Nik Milanović, founder of This Week in Fintech and general partner at The Fintech Fund and Clara Jackson, director of investments at TA Associates, to discuss if we're about to witness the great Fintech rebound. Timestamps: 04:36 From Turbulence to Triumph: Are We About to Witness the Great Fintech Rebound?06:24 Are there any changes to how Fintech companies are being evaluated for investments?08:01 How have growth investors and private equity firms been looking at the industry?09:04 Early stage venture capital11:02 Fintech funding in 202412:50 What's giving companies confidence in pushing for IPOs?15:52 Interesting sub sectors in the current market20:28 What makes a great Fintech company to invest in?24:30 Are there any particular countries where Fintech is flourishing?26:25 Outlook for 202530:34 One piece of advice for investorsPlease subscribe to the show so you never miss an episode, and leave us a review if you enjoy the show! You can find Jeff Tijssen hereYou can find Mike Cashman hereYou can find Nik Milanović hereYou can find Clara Jackson hereFor more insights from the Deciphered podcast, visit the page on Bain’s website

36 min
08/19/2024

Has Crypto Crossed the Institutional and Consumer Chasm?

In this episode of Deciphered, Adam Davis, expert associate partner at Bain & Company, is joined by Chris Kuiper, Director of Research at Fidelity Digital Assets, Edward Woodford, CEO at Zero Hash and Jeremy Fox-Geen, CFO at Circle to discuss whether crypto has crossed the institutional and consumer chasm. Timestamps: 06:22 Has crypto crossed the institutional and consumer chasm?09:41 What's underpinned this crypto bull run over the last 12 months?12:56 How do Bitcoin ETFs differ from other ETFs?15:11 Regulatory hurdles with Bitcoin ETFs17:21 Is there a correlation between user adoption and ETF approvals?18:57 Bitcoin: Will the use cases grow, or is it just a store of value?23:16 Which other crypto assets could go through this regulatory process in the near future?25:23 The future of stablecoins32:52 What are the blockers stopping widescale adoption of stablecoins?42:59 How has crypto influenced global culture and society?48:37 What role will crypto play in Financial Services once it has fully matured?Please subscribe to the show so you never miss an episode, and leave us a review if you enjoy the show! You can find Adam Davis hereYou can find Chris Kuiper hereYou can find Edward Woodford hereYou can find Jeremy Fox-Geen hereFor more insights from the Deciphered podcast, visit the page on Bain’s website

59 min

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TRAILER

Trailer

Welcome to the trailer of Deciphered by Bain & Company!

04/05/2022

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1 min

5

out of 5

13 Ratings

Well done!

07/14/2022

Gerard dT

Really excellent, thoughtful content. More insight per minute than any other media. A must for anyone participating in financial services and software.

Deciphered is a fintech podcast brought to you by Bain & Company. Each episode brings insight and analysis on specific industry topics, dissected with data with help from fantastic guests. We're deciphering the financial services world in a way that is digestible, to help add context to your day to day industry conversations.