Dave and Dharm DeMystify

Dave and Dharm DeMystify Fintech

A unique perspective of Fintech formed through decades of designing and delivering online financial services.

  1. Demystifying why AI is forcing a rethink of wealth management with Alpheya

    2D AGO

    Demystifying why AI is forcing a rethink of wealth management with Alpheya

    Hosts Dave and Dharmesh are joined by Roger Rouhana, co-founder and CEO of Alpheya, to explore how artificial intelligence is reshaping wealth and trading infrastructure. In this week’s episode of the Demystify Podcast, Dave and Dharmesh sit down with Roger Rouhana, co-founder and CEO of Alpheya, for a wide-ranging and thoughtful conversation about the transformation underway in wealth management as AI-driven technology accelerates. Roger shares how Alpheya was built to provide end-to-end wealth and trading infrastructure for financial institutions, supporting everything from client onboarding and portfolio construction to execution, reporting, and advisory workflows. Backed by major institutional investors, Alpheya operates at significant scale, touching millions of end clients through its partner banks and institutions. The discussion explores why traditional wealth platforms are struggling to keep pace with changing client expectations. As wealth management “retailises”, clients increasingly demand always-on digital experiences, real-time insights, and personalised guidance, expectations shaped by consumer technology rather than legacy financial systems. A central theme of the episode is the role of AI in closing the gap between growing demand for advice and the limited scalability of human relationship managers. Roger unpacks recent research showing a surprising willingness among investors to trust AI with advice, and even portfolio management, and explains why this shift is both inevitable and transformative. For anyone interested in the future of wealth management, the intersection of AI and financial advice, and how institutions can responsibly scale personalised investing, this is a conversation not to be missed.

    45 min
  2. EP 150:  DEMYSTIFYING AI-NATIVE CORE BANKING WITH SLAVO VOJACEK & RICKY MARCON OF OPENCOREOS

    JAN 27

    EP 150: DEMYSTIFYING AI-NATIVE CORE BANKING WITH SLAVO VOJACEK & RICKY MARCON OF OPENCOREOS

    This week Dave and Dharm sit down with Slavo Vojacek and Ricky Marcon, co-founders of OpenCoreOS, for a frank conversation about what “core banking” needs to become in an AI-native world. Slavo (a distributed-systems engineer turned core-banking specialist) and Ricky (a product and business-builder with deep delivery experience) argue that the industry is at a new inflexion point: real-time payments, growing transaction volumes, and cloud fragility are exposing the limits of both legacy platforms and the so-called next-generation cores. They unpack why OpenCoreOS is deliberately opinionated about what a “core” should be. For them, it is primarily the ledgering and transactional engine (interest, postings, and reconciliation at scale), while other components, like customer master data and product tooling, increasingly sit outside the core. The discussion then moves into the hard engineering: what it means to build a platform designed to run across multiple clouds, aiming for zero downtime and zero data loss, and why retrofitting that kind of resilience into an existing architecture is far harder than it sounds. Finally, the episode connects the dots to “agentic banking” and why AI cannot simply be “sprinkled on top” of yesterday’s platforms. OpenCore OS is designed so that product and operational configuration can be expressed in natural language, abstracting complexity while staying deterministic where it matters. Dharmesh also shares why he joined the company’s board, and why this approach feels fundamentally different from bolt-on AI features. If you care about the future of banking infrastructure, resilience, and what AI-native actually means (beyond the marketing), this one is for you.

    38 min
  3. EP 149: FROM BOARDROOM TO BREACH: DEMYSTIFYING CYBERSECURITY FOR LEADERS

    JAN 8

    EP 149: FROM BOARDROOM TO BREACH: DEMYSTIFYING CYBERSECURITY FOR LEADERS

    In this episode, Dave and Dharm are joined by Alice Violet, founder of Alice Violet Creative and host of the Cyber Made Human podcast, for a wide-ranging and refreshingly human conversation about the current state of cybersecurity. Based in the heart of the UK’s cybersecurity ecosystem in Cheltenham, Alice brings a unique perspective shaped by her journey from luxury travel marketing to senior roles at Sophos and, ultimately, to building a specialist agency focused on cyber and complex technology. Her core belief is simple but powerful: cybersecurity is no longer a niche technical concern. It is a leadership issue, a commercial issue, and fundamentally a human one. The discussion explores why cybersecurity has remained opaque for so long, and how fear-based messaging and jargon have actively held the industry back. Alice argues that recent high-profile outages and breaches have forced cybersecurity into the mainstream, making it unacceptable for senior leaders to plead ignorance. Yet she is equally critical of scaremongering, advocating instead for education, clarity, and a reframing of cyber as both protection and opportunity. Dave and Dharm probe how CEOs should think about cybersecurity without becoming technologists themselves, why CISOs must learn to communicate in business language, and why even the most sophisticated technical defences can be undone by human behaviour. From ransomware-as-a-service to AI-powered impersonation scams, the conversation makes clear that many of today’s biggest risks sit outside the data centre. The episode also tackles quantum computing, Q-Day, and the growing anxiety around encryption, separating genuine long-term risk from headline-driven panic. Alice offers a pragmatic, optimistic view: technology will evolve, but so will the countermeasures, provided organisations stay informed rather than paralysed. AI features prominently, both as an accelerator for attackers and as a productivity tool for defenders, marketers, and content creators. Across marketing, cybersecurity, and leadership, the group converge on a shared view: AI works best as a co-pilot, not a replacement for experience, judgement, or human connection. Throughout the episode, one theme consistently surfaces. Cybersecurity only becomes effective when it is made understandable, relatable, and embedded into culture. Or, as Alice puts it, humans may be the weakest link in cyber, but they are also the strongest defence. This is an essential listen for fintech leaders, CEOs, CISOs, marketers, and anyone navigating a world where digital trust is central to business survival.

    35 min
  4. EP 148: DEMYSTIFYING HUSPY CURRENT STATE OF PLAY WITH ZIAD NASSAR

    12/16/2025

    EP 148: DEMYSTIFYING HUSPY CURRENT STATE OF PLAY WITH ZIAD NASSAR

    In this episode, Dave and Dharm welcome back Ziad Nassar, Deputy CEO of Huspy, one year after his first appearance on the show. And what a difference a year makes. Ziad shares how Huspy has evolved from a UAE-based mortgage innovator into one of the fastest-scaling proptechs in EMEA, now active across the UAE and Spain with expansion under way in Saudi Arabia. Backed by a US $59 million Series B round led by Balderton Capital, Huspy is pursuing an ambitious mission: empowering the people who serve homebuyers and sellers. The conversation explores: Why Huspy focuses on enabling agents and mortgage brokers—the professionals closest to homebuyers and sellers—through technology, training, and fairer rewards. The logic behind expanding to Spain, and the company’s disciplined playbook for entering new markets. How AI is transforming property discovery and agent productivity—from natural-language search (“find me a Georgian-style home near London with a vet nearby”) to smart tools that augment rather than replace human expertise. The importance of focus and discipline in scaling a startup, and the lessons Huspy has learned from trial, error, and relentless iteration. Why PropTech remains one of the least-disrupted global industries, and how human experience, data, and automation can finally start to change that. Ziad’s candour and passion make this a compelling listen—an honest look at what it takes to modernise real estate, balance technology with trust, and build for the people who make the housing market work.

    36 min
  5. EP 145: DEMYSTIFYING 30 YEARS OF HPS WITH CEO ABDESLAM ALAOUI

    11/11/2025

    EP 145: DEMYSTIFYING 30 YEARS OF HPS WITH CEO ABDESLAM ALAOUI

    In this special 30th-anniversary episode, Dave is joined by Abdeslam Alaoui, co-founder and CEO of HPS, to reflect on three decades of transformation in payments and digital finance. He shares how HPS has evolved from a regional firm into a global powerhouse, quietly powering everyday transactions around the world—from mobile payments to digital loans—without most users even knowing. The conversation explores HPS’s commitment to innovation, its ethos of invisibility, and the company’s rigorous cycle of reinvention every ten years. Abdeslam offers insight into the strategic thinking that led HPS to adopt English as its operational language from day one and the importance of maintaining technological freshness through continuous redevelopment. Looking forward, Abdeslam discusses the shift from products to experiences in financial services, the growing integration of AI, and HPS’s acquisition of CR2, enabling a seamless “glass-to-ledger” customer experience. He highlights the power of orchestration, hyper-personalisation, and dynamic digital engagement as key trends shaping the future. The episode concludes with reflections on Africa’s role in leapfrogging legacy financial infrastructure, the opportunity AI presents to transform education and financial inclusion, and a provocative suggestion: that payments may well eat banking as revenue models shift from account-based income to transaction-driven services.

    30 min

Ratings & Reviews

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About

A unique perspective of Fintech formed through decades of designing and delivering online financial services.