Curiosity Code Podcast

Alex Khomyakov

Discover the fintech podcast "Curiosity Code", featuring exclusive interviews on fintech innovation and financial technology. Hosted by Alex, founder of the digital agency Productera, with a background in B2B and SaaS companies, the podcast brings together founders, CEOs, visionaries, and fintech leaders driving financial innovation, AI, open banking, and digital transformation.Each episode offers success stories, challenges, and groundbreaking ideas about the future of blockchain, AI agents, digital payments, wealth management, and other related financial technologies.

  1. Open Banking APIs Transform Fintech | Christie Kristensen

    30 jun

    Open Banking APIs Transform Fintech | Christie Kristensen

    Lovely listener, share with us your thoughts! Open banking APIs revolutionized how banks and fintechs collaborate. Christie H. Kristensen from Danske Bank shares insider strategies on API infrastructure, real-time settlement, and the data governance decisions that make or break fintech startups. Discover why smaller fintechs must build for real-time settlement, when to build vs. buy third-party solutions, and how APIs transformed consumer behavior in banking. ⏱️ KEY TOPICS & TIMESTAMPS 0:00 Introduction 5:45 When banks realized they could become consumers of APIs, fintech movement thrived 10:46 Smaller fintechs have to build infrastructure supporting real-time settlement 14:09 Why infrastructure and data governance are crucial for fintech startups 17:34 Build vs. buy: One critical question when starting a fintech startup 21:42 Change management sits at the essence of digital transformation today 23:56 Examples of how APIs have fundamentally changed consumer behavior 29:45 Will real-time settlement become table stakes like mobile apps in five years 👤 ABOUT THE GUEST Christie H. Kristensen serves as Advisory Board Member at Nordic Fintech Week & NOLO collective, and Partnership Manager for Open Banking Premium & ERP Integration at Danske Bank. She brings deep expertise in API strategy, banking infrastructure, and fintech ecosystem development. Connect with Christie on LinkedIn: https://www.linkedin.com/in/chkristensen/ This episode of Curiosity Code explores open banking transformation, API-first infrastructure strategies, and real-time payment systems reshaping fintech. Perfect for fintech founders evaluating build vs. buy decisions, banking executives implementing API strategies, and investors tracking payments innovation. #OpenBanking #Fintech #APIs #RealtimePayments #BankingInnovation 🎙️ Subscribe for weekly episodes on fintech, AI, and innovation 🌐 Website: https://curiositycodepodcast.com/ 📱 Follow on LinkedIn: https://www.linkedin.com/in/akhomyakov/ 🎧 Listen on Spotify: https://open.spotify.com/show/curiosity-code 🍎 Apple Podcasts: https://podcasts.apple.com/podcast/the-curiosity-code-podcast/id1748596092

    32 min
  2. AI Fraud Detection in Payments | Srishti Andreasen

    19 jun

    AI Fraud Detection in Payments | Srishti Andreasen

    Lovely listener, share with us your thoughts! AI-powered fraud is reshaping payment security. Srishti Jain Andreasen, Global Business Development Executive at RS Software, reveals why synthetic identity fraud is the fastest-growing financial crime and what consumers and regulators must do to fight back. Discover how the globalization of online commerce has turned payments into the primary attack vector for fraudsters, whether banks should share fraud intelligence, and how women in fintech are approaching fraud prevention differently than traditional security teams. 📖 KEY TOPICS & TIMESTAMPS 0:00 Introduction 4:59 How online commerce turned payments into the primary fraud vector 11:13 Synthetic identity: The fastest growing financial crime today 18:06 Should banks share fraud intelligence or protect competitive advantage? 23:59 What consumers must stop doing to avoid AI-powered fraud 29:07 Why regulators need to focus on interoperability to fight fraud 31:27 How women in fintech approach fraud differently than traditional teams 34:14 Final thoughts on fraud and technology 👤 ABOUT THE GUEST Srishti Jain Andreasen is Executive Global Business Development at RS Software, specializing in payment security and fraud prevention solutions for financial institutions worldwide. Connect with Srishti on LinkedIn: https://www.linkedin.com/in/srishti-jain-andreasen-b339175/ This episode explores critical payment fraud prevention strategies, synthetic identity detection techniques, and the role of AI in modern financial crime. Learn how fintech leaders and banking innovators are collaborating to build more secure payment ecosystems while balancing fraud prevention with competitive intelligence. #FintechSecurity #PaymentFraud #AIFraud #SyntheticIdentity #FinancialCrime 🎙️ Subscribe for weekly episodes on fintech, AI, and innovation 🌐 Website: https://curiositycodepodcast.com/ 📱 Follow on LinkedIn: https://www.linkedin.com/in/akhomyakov/ 🎧 Listen on Spotify: https://open.spotify.com/show/curiosity-code 🍎 Apple Podcasts: https://podcasts.apple.com/podcast/the-curiosity-code-podcast/id1748596092

    35 min
  3. Blockchain Bonds & On-Chain Assets | Steve Wallace

    4 jun

    Blockchain Bonds & On-Chain Assets | Steve Wallace

    Lovely listener, share with us your thoughts! Which asset class gets fully tokenized first? Steve Wallace breaks down blockchain tokenization, on-chain bonds, regulatory gaps, crypto vaults, and why distribution remains traditional finance's biggest competitive advantage. Discover how real-world asset tokenization is reshaping institutional investing, which tokenization use cases are smart versus questionable, and how cryptonative firms can compete with traditional asset management distribution power. 📍 KEY TOPICS & TIMESTAMPS 0:00 Introduction 5:55 Issuing bonds on-chain: emerging blockchain use cases 17:05 Regulatory harmonization gaps for blockchain tokenization 22:21 Smart vs. questionable tokenization use cases analyzed 25:10 Which asset class gets fully tokenized first? 31:07 Distribution advantages: can cryptonative firms compete with traditional finance? 33:47 Crypto vaults as potential disruptors in asset management 36:49 Final thoughts on the future of tokenization 👤 ABOUT THE GUEST Steve Wallace is an Advisor at Alpine Capital Advisors and Blocklogica, and Co-Founder at Monolythic, bringing deep expertise in blockchain tokenization, regulatory frameworks, and institutional digital asset adoption. Connect with Steve Wallace on LinkedIn: https://www.linkedin.com/in/steve-wallace/ This episode explores institutional tokenization strategies, blockchain bond issuance, DeFi regulatory challenges, and how real-world asset tokenization is transforming banking and asset management. Learn why distribution remains the ultimate competitive moat and which asset classes are positioned for full tokenization adoption first. #Tokenization #BlockchainBonds #RWA #DeFi #AssetManagement 🎙️ Subscribe for weekly episodes on fintech, AI, and innovation 🌐 Website: https://curiositycodepodcast.com/ 📱 Follow on LinkedIn: https://www.linkedin.com/in/akhomyakov/ 🎧 Listen on Spotify: https://open.spotify.com/show/curiosity-code 🍎 Apple Podcasts: https://podcasts.apple.com/podcast/the-curiosity-code-podcast/id1748596092

    39 min
  4. Blockchain in Banking: Threat or Opportunity | Artur Kartshikyan

    16 mar

    Blockchain in Banking: Threat or Opportunity | Artur Kartshikyan

    Lovely listener, share with us your thoughts! Digital banking transformation in Armenia and Central Asia: ACBA Bank's Head of Digital Banking reveals how banks are navigating blockchain adoption, payment infrastructure gaps, and compliance challenges in emerging markets. Artur Kartshikyan, Head of Digital Banking at ACBA Bank, discusses the future of banking in Armenia, blockchain's role in financial institutions, and why Central Asia's payment corridor lacks modern infrastructure. This episode explores digital banking strategy, regulatory compliance, and innovation opportunities in emerging fintech markets. ⏱️ KEY TOPICS & TIMESTAMPS 0:00 Introduction 5:21 Central Asia Corridor Payment Infrastructure Challenges 7:32 Blockchain as Banking Threat or Collaboration Opportunity 12:44 ACBA Bank Balances Innovation and Compliance in Digital Infrastructure 16:06 The Future of Banking: Digital Transformation Ahead 19:16 Armenian Banking Outlook and Digital Payment Evolution 👤 ABOUT THE GUEST Artur Kartshikyan is the Head of Digital Banking Department at ACBA Bank OJSC, where he leads digital transformation initiatives and modern banking infrastructure development in Armenia. Connect with Artur on LinkedIn: https://www.linkedin.com/in/arturkartshikyan/ #DigitalBanking #Blockchain #FintechPodcast #BankingInnovation #Armenia 🎙️ Subscribe for weekly episodes on fintech, AI, and innovation 🌐 Website: https://curiositycodepodcast.com/ 📱 Follow on LinkedIn: https://www.linkedin.com/in/akhomyakov/ 🎧 Listen on Spotify: https://open.spotify.com/show/curiosity-code 🍎 Apple Podcasts: https://podcasts.apple.com/podcast/the-curiosity-code-podcast/id1748596092

    20 min
  5. Fintech M&A Strategy: Exit Timing | Mayerlin Garcia

    9 mar

    Fintech M&A Strategy: Exit Timing | Mayerlin Garcia

    Lovely listener, share with us your thoughts! Investment banking expert Mayerlin Garcia reveals when fintech founders should pursue M&A, why scaling companies need external advisors, and the critical mistakes that cause fintech deals to fail post-acquisition. Learn fintech M&A strategy, exit timing, and how to navigate investment banking for high-growth fintech companies. ⏱️ KEY TOPICS & TIMESTAMPS 0:00 Introduction 2:31 Why External Advisors Are Crucial for Fintech Success 8:05 Funding Challenges Companies Face When Scaling 13:26 When Founders Should Start Thinking About M&A or Exit 17:06 Why Many Fintech Deals Fail to Deliver Promised Outcomes 👤 ABOUT MAYERLIN GARCIA Mayerlin Garcia is Managing Director at Senahill Advisors, specializing in fintech mergers, acquisitions, and strategic exits for high-growth technology companies. Connect with Mayerlin on LinkedIn: https://www.linkedin.com/in/mayerlingarcia/ #FintechMA #InvestmentBanking #FintechFounders #MergersAndAcquisitions #FintechStrategy 🎙️ Subscribe for weekly episodes on fintech, AI, and innovation 🌐 Website: https://curiositycodepodcast.com/ 📱 Follow on LinkedIn: https://www.linkedin.com/in/akhomyakov/ 🎧 Listen on Spotify: https://open.spotify.com/show/curiosity-code 🍎 Apple Podcasts: https://podcasts.apple.com/podcast/the-curiosity-code-podcast/id1748596092

    20 min
  6. UX Design in Fintech: Banking Innovation | Patrik Borgatai

    27 feb

    UX Design in Fintech: Banking Innovation | Patrik Borgatai

    Lovely listener, share with us your thoughts! Discover the major differences between investment banking and consumer fintech UX design, and why legacy financial systems make digital transformation so challenging. Learn strategies for aligning UX across distributed financial organizations. Patrik Borgatai discusses the unique challenges of designing user experiences for traditional financial institutions versus modern fintech companies, exploring how legacy systems create barriers to innovation and what it takes to measure good UX in complex financial environments. ⏱️ KEY TOPICS & TIMESTAMPS 0:00 Introduction 2:23 Designers discuss major differences between investment banking and consumer fintech 5:31 How do you define and measure good UX in financial environments? 8:41 Biggest challenges in aligning UX strategy across distributed financial organizations 11:55 Legacy financial systems make redesigning difficult 16:58 Main barriers for digital transformation in traditional financial institutions 👤 ABOUT PATRIK BORGATAI Patrik is a Product & UX Strategy Consultant at Lab49, designing tools for traders and investment bankers at some of the world's largest financial institutions. He's spent years in the trenches of enterprise fintech. Connect with Patrik on LinkedIn: https://www.linkedin.com/in/patrikborgatai/ 🎙️ Subscribe for weekly episodes on fintech, AI, and innovation 🌐 Website: https://curiositycodepodcast.com/ 📱 Follow on LinkedIn: https://www.linkedin.com/in/akhomyakov/ 🎧 Listen on Spotify: https://open.spotify.com/show/curiosity-code 🍎 Apple Podcasts: https://podcasts.apple.com/podcast/the-curiosity-code-podcast/id1748596092

    21 min
  7. Digital Banking Strategy: Launching 7 Banks | Al Southall

    10 feb

    Digital Banking Strategy: Launching 7 Banks | Al Southall

    Lovely listener, share with us your thoughts! Learn digital banking best practices from someone who's launched 7 banks across 25 years. Al Southall shares the real playbook for building customer-centric digital banks that balance speed, compliance, and innovation — without repeating legacy mistakes. From early internet banks to cloud-native platforms, discover why "bank in a box" rarely works, how to navigate regulatory requirements while innovating, and the critical importance of customer-first product design before technology decisions. 📌 KEY TOPICS & TIMESTAMPS 0:00 Introduction 4:24 Pre-built solutions and core banking platforms as enablers for digital banking 7:19 Why bank in a box fails: only few players succeed with turnkey solutions 9:49 How to start building a digital bank: customer-centric design first 13:28 Banking license requirements and regulatory expectations for new entrants 16:46 Managing vendor lock-in risk while maintaining product flexibility 18:54 Cloud resilience strategies and operational risk in digital banking 22:25 Customer-centric design and personalization in modern banking 27:16 Critical advice for fintechs moving into banking 🎙️ GUEST Al Southall is a digital transformation and bank launch specialist with 25+ years of experience leading technology and operations for seven digital banks across multiple markets. His expertise spans the full evolution of digital banking — from early internet banking platforms to today's cloud-native architectures. 🔗 Connect with Al: https://www.linkedin.com/in/al-southall-cio/ #DigitalBanking #Fintech #BankingInnovation #CoreBanking #FintechPodcast 🎙️ Subscribe for weekly episodes on fintech, AI, and innovation 🌐 Website: https://curiositycodepodcast.com/ 📱 Follow on LinkedIn: https://www.linkedin.com/in/akhomyakov/ 🎧 Listen on Spotify: https://open.spotify.com/show/curiosity-code 🍎 Apple Podcasts: https://podcasts.apple.com/podcast/the-curiosity-code-podcast/id1748596092

    29 min
  8. ATM Technology & Future of Cash Payments | Paul Gardiner

    9 feb

    ATM Technology & Future of Cash Payments | Paul Gardiner

    Lovely listener, share with us your thoughts! ATM technology expert Paul Gardiner reveals why cash payments continue rising globally despite digital transformation, the hidden innovations in ATM infrastructure, and critical insights every fintech founder needs about payment systems economics. Discover the surprising data behind cash vs digital payments, the future of ATM networks, banking infrastructure evolution, and untapped fintech opportunities in cash management technology. ⏱️ KEY TOPICS & TIMESTAMPS: 0:00 Cash in circulation continues to arise in every major economy over the past decade 0:29 Today we're talking about ATMs and infrastructure of money from cash to AI 3:21 What people misunderstand most about how money actually moves behind the scenes with ATMs 13:57 Number of ATMs deployed globally have gone down over the last few years 17:15 How to approach security of ATM networks from physical and cyber aspects 25:17 Paul Gardiner recently led two billion dollar fintech carve outs 30:52 What problems in fintech and payments today are the most fixable 36:04 If you could design the future state from scratch: payments, ATMs, and AI 40:54 Why big payments networks still go down far too often 👤 ABOUT PAUL GARDINER: Paul Gardiner is the Founder of Marin FinTech, a leading consultancy specializing in payment systems innovation and banking technology. With deep expertise in ATM networks, cash infrastructure, and having led two billion-dollar fintech carve-outs, Paul advises fintech companies and financial institutions on navigating the evolving payments landscape. #FintechPodcast #ATMTechnology #PaymentSystems #CashPayments #BankingInnovation 🎙️ Subscribe for weekly episodes on fintech, AI, and innovation 🌐 Website: https://curiositycodepodcast.com/ 📱 Follow on LinkedIn: https://www.linkedin.com/in/akhomyakov/ 🎧 Listen on Spotify: https://open.spotify.com/show/curiosity-code 🍎 Apple Podcasts: https://podcasts.apple.com/podcast/the-curiosity-code-podcast/id1748596092

    44 min
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Discover the fintech podcast "Curiosity Code", featuring exclusive interviews on fintech innovation and financial technology. Hosted by Alex, founder of the digital agency Productera, with a background in B2B and SaaS companies, the podcast brings together founders, CEOs, visionaries, and fintech leaders driving financial innovation, AI, open banking, and digital transformation.Each episode offers success stories, challenges, and groundbreaking ideas about the future of blockchain, AI agents, digital payments, wealth management, and other related financial technologies.

Información

  • Creador
    Alex Khomyakov
  • Años de actividad
    2025 - 2026
  • Episodios
    55
  • Clasificación
    Explícito
  • Copyright
    © 2026 Curiosity Code Podcast
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    Curiosity Code Podcast