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. EP 143: DEMYSTIFYING HOW AI NATIVE BUSINESSES WILL USE FACTS WITH NEAL MANN CEO OF NOAN

    14 ОКТ.

    EP 143: DEMYSTIFYING HOW AI NATIVE BUSINESSES WILL USE FACTS WITH NEAL MANN CEO OF NOAN

    In this episode of the Dave and Dharm Demystify show, Dave Wallace sits down with Neal Mann, co-founder of Noan, a platform pioneering the creation of a “facts layer” for AI-native businesses. Neal draws on years of experience working with the C-suite at global corporations to reveal the hidden chaos behind most companies’ knowledge structures. He explains why AI often fails in business contexts and how Noan is solving that problem by giving companies a single source of truth to build from. From enabling entrepreneurs to finally take control of their business data, to unlocking transformative opportunities in fintech, lending, and investment, Neal makes the case for why facts, not memory, are the future of AI. This episode explores everything from the practical impact of having a conversational interface to your business, to the powerful implications for financial services, business growth, and personalised support. Whether you're building a startup, navigating enterprise transformation, or just curious about how AI can work better for business, this conversation will change the way you think about knowledge, control and the future of work.

    30 мин.
  2. EP 142: DEMYSTIFYING AI AND THE FUTURE OF ADVICE WITH HELENA WARDLE FOUNDER MONEY MEANS

    3 ОКТ.

    EP 142: DEMYSTIFYING AI AND THE FUTURE OF ADVICE WITH HELENA WARDLE FOUNDER MONEY MEANS

    In this episode of Dave and Dharm Demystify, the 2 D's sit down with Helena Wardle, a Chartered Financial Planner and founder of the fintech Money Means, to explore how technology is transforming financial advice. Helena explains her motivation for building AIDA, an AI-powered digital advisor designed to make quality financial guidance accessible to people who traditionally couldn’t afford it. She discusses the challenges of creating technology that isn’t just functional but genuinely supportive, conversational, and capable of replicating the empathy and understanding that clients expect from a human advisor. The discussion covers some of the hottest topics in financial services today: Why expert-trained AI models can handle not just processes and compliance, but also the relational side of advice. How regulation, liability, and accreditation will need to evolve as AI steps into roles once reserved for humans. The emotional side of money and why understanding client behaviour is as important as the numbers. The potential for AI to support collaboration across professions, from solicitors to accountants, creating a joined-up “team of digital advisors” around the customer. Helena also shares her belief that service industries, just like retail before them, are on the cusp of massive disruption, and why the firms that embrace AI will be best placed to thrive. With AIDA launching soon, this conversation offers a first look at how AI could democratise access to financial planning and reshape the advisor–client relationship forever. Chapters: 00:00 Meet Helena Wardle: Chartered Financial Planner 01:32 The Birth of Money Means: A FinTech Solution 02:36 Creating AIDA: The AI Digital Advisor 04:01 AI in Financial Advice: Challenges and Opportunities 06:40 Expert Trained Models: The Future of AI 08:23 The Disruption of Service Industries by AI 13:57 Training AI for Financial Exams 16:29 Regulation and Liability in AI Financial Advice 19:45 The Ethical Considerations of AI 21:13 Emotional Banking: Understanding Money's Emotional Impact 22:25 Incorporating Emotional Intelligence in Financial Planning 25:25 Personalising Financial Advice with AI 30:20 The Future of Financial Advice: AI vs Human Advisors 34:27 The Role of AI in Comprehensive Financial Planning 37:08 Launching AIDA: The AI Digital Advisor 39:02 Conclusion and Final Thoughts

    40 мин.
  3. EP 141: DEMYSTIFYING THE STATE OF CRYPTO WITH STEPHANIE EMILE OF BINANCE

    3 СЕНТ.

    EP 141: DEMYSTIFYING THE STATE OF CRYPTO WITH STEPHANIE EMILE OF BINANCE

    Dave and Dharmesh are joined by Stephanie Emile, General Manager of Binance FZE based out of the UAE, to demystify the evolving world of crypto, regulation, and adoption. Stephanie shares her journey of building Binance’s regulated home in Dubai, where the Virtual Assets Regulatory Authority (VARA) has emerged as a pioneering, crypto-native regulator. The conversation explores how the UAE’s forward-thinking stance positioned it ahead of global peers, taking bold steps even in the aftermath of events like the FTX collapse. Stephanie highlights the UAE’s pragmatic “try, learn, adapt” culture, contrasting it with slower traditional regulators such as the FCA. Key themes include: Regulation as an enabler: Why licensing and collaboration with regulators matter for building trust with users, banks, and institutions. User experience and adoption: The crypto space must become simpler, safer, and more intuitive for mass adoption – from wallets to payments to everyday transactions. The role of advisors: Just as financial advisors guide traditional investments, Stephanie argues that they will need to integrate digital assets into portfolios, supported by education initiatives like Binance Academy. Global outlook: From the UAE’s stablecoin projects to Trump’s stance against CBDCs, the discussion touches on how regulation in the US and elsewhere may shape the future of digital assets. Africa’s potential: With high adoption and demand for financial freedom, Africa emerges as a vital region for Binance’s long-term vision. Stephanie leaves listeners with a view of crypto not as a speculative playground, but as a tool for financial freedom, lower-cost remittances, and real-world use cases. Regulation, education, and innovation, she argues, will bring digital assets into the mainstream — not kill them.

    34 мин.
  4. EP 140: DEMYSTIFYING MCP SERVERS WITH DAVID JARVIS CEO OF GRIFFIN BANK

    1 СЕНТ.

    EP 140: DEMYSTIFYING MCP SERVERS WITH DAVID JARVIS CEO OF GRIFFIN BANK

    In this episode, the hosts welcome back David Jarvis, co-founder and CEO of Griffin, for his second appearance on the show. The discussion centres on the emerging concept of agentic banking and Griffin’s development of the MCP server. David explains how the MCP server enables AI models to interact with banking APIs using a configuration file, significantly enhancing automation and functionality. The conversation explores how this technology could transform areas such as corporate treasury, wealth management, and broader financial services. David outlines how AI agents might one day handle complex tasks traditionally managed by intermediaries like mortgage brokers and treasurers, streamlining operations and reducing costs. While still in the early stages, this innovation is already gaining interest from banks and fintech firms. The episode also looks ahead to the future of AI in banking, examining both the potential and the practical challenges of integrating agentic systems into existing infrastructure. Listeners can find out more via Griffin’s website (https://griffin.com/) and blog.

    29 мин.
  5. EP 139: DEMYSTIFYING THE AI FUTURE... (PART 1) WITH CIARA CONWAY OF TESCO BANK

    18 АВГ.

    EP 139: DEMYSTIFYING THE AI FUTURE... (PART 1) WITH CIARA CONWAY OF TESCO BANK

    In this powerful episode of Dave and Dharm Demystify, technologist and financial services veteran Ciara Conway joins Dave and Dharmesh for a frank and wide-ranging conversation about demystifying the forces shaping our future. The trio take on some of the biggest questions of our time: What happens when innovation is driven by profit above all else? How will AI and automation reshape our world of work, and at what cost to human dignity? And can we build a new social contract that ensures technology serves society, rather than erodes it? Drawing on real-world examples – from the privatisation of water to the rising costs of life-saving medicines, Ciara challenges the idea that progress is always good, urging us to question who benefits and at what price. They discuss the urgent need for ethics in boardrooms, government frameworks to protect the public good, and grassroots activism to hold power to account. Despite the heavy themes, this is a conversation rooted in optimism. Ciara, Dave, and Dharmesh explore how small, determined groups of people can spark meaningful change, why open debate matters more than ever, and how we might still shape a future worth getting out of bed for.

    34 мин.
  6. EP 138: DEMYSTIFYING HOW LLOYDS IS REIMAGINING PAYMENTS AND INNOVATION WITH THEA LOCH

    11 АВГ.

    EP 138: DEMYSTIFYING HOW LLOYDS IS REIMAGINING PAYMENTS AND INNOVATION WITH THEA LOCH

    In this episode, Dave and Dharmesh are joined by Thea Loch, Head of Digital Payments at Lloyds Banking Group, for an insightful discussion on the evolving landscape of digital payments and innovation within one of the UK’s largest banks. Thea offers a deep dive into Lloyds’ efforts to modernise its infrastructure, streamline legacy systems, and enhance customer experience while maintaining resilience at scale. She sheds light on the bank’s shift from transactional to contextual services, driven by advancements in AI and a platform-based operating model that integrates design, technology, and business teams. Thea also highlights the importance of strong leadership, particularly under CEO Charlie Nunn, in steering Lloyds towards a future of responsible AI experimentation, agile development, and customer-centric innovation. With examples like the rollout of ‘Request to Pay’ and improvements in faster payments, Thea outlines Lloyds' ambitions to stay competitive amid fintech disruption. The conversation explores everything from the challenges of system integration to the cultural shifts needed for digital and AI transformation, underscoring the bank’s goal to become the UK’s biggest fintech - Without losing the human touch!

    30 мин.
  7. EP 137: DEMYSTIFYING WHY CUSTOMER RESEARCH IS CRITICAL TO PRODUCT DEVELOPMENT WITH BRENO OLIVEIRA OF PAYABL

    4 АВГ.

    EP 137: DEMYSTIFYING WHY CUSTOMER RESEARCH IS CRITICAL TO PRODUCT DEVELOPMENT WITH BRENO OLIVEIRA OF PAYABL

    In this episode, recorded in Limassol, Cyprus at the Reflect Festival, Breno Oliveira, Head of Product at Payabl, shares insights from his presentation on the evolution of the checkout experience. He discusses how Payabl is helping merchants across Europe streamline and unify their payment solutions to meet rising consumer expectations. Breno delves into the findings of a recent research study conducted with 1,400 consumers across Europe, aimed at understanding evolving payment behaviours and preferences. Notable insights include that 43% of consumers abandon e-commerce sites following a poor checkout experience, and that Gen Z expects to complete transactions in under 10 seconds. The research also highlights the critical role of regional payment preferences and the growing demand for fast, secure and seamless checkouts. He stresses the importance of creating frictionless and localised payment journeys that inspire consumer trust and satisfaction. Breno also discusses Payabl’s latest initiatives, including an AI-powered fraud prevention programme and the upcoming launch of the Payabl card. The conversation reinforces the value of consumer research in shaping product strategy and enhancing user experience in an increasingly competitive payments landscape.

    23 мин.
  8. EP 136: DEMYSTIFYING THE ROLE OF BANKS NOW, WITH CHRISTIE H.KRISTENSEN OF DANSKE BANK

    25 ИЮЛ.

    EP 136: DEMYSTIFYING THE ROLE OF BANKS NOW, WITH CHRISTIE H.KRISTENSEN OF DANSKE BANK

    In this episode, the conversation centres on embedded finance and digital transformation with Christie Kristensen, Partnership Manager at Danske Bank. Christie shares her experience working across fintech and banking, and how Danske is evolving to meet the needs of corporate clients by embedding financial services directly into enterprise systems such as ERPs and treasury platforms. The discussion explores how Danske is moving beyond regulatory open banking APIs to offer premium APIs that support real-time, data-driven decision-making. These APIs are designed to automate traditionally manual workflows like financial reporting and cash management, reducing reliance on outdated file-based systems. Christie emphasises a strong co-creation model, where product development is informed directly by customer and partner feedback, ensuring relevance and tangible impact. She also describes how Danske’s strategy, known as the 428 plan, aims to position the bank as a vital infrastructure player in the ecosystem—focusing on powering finance rather than owning the user interface. The integration of AI and real-time data is also touched upon, with a view towards future-proofing financial operations and enabling predictive insights for finance professionals. With a culture that mirrors fintech agility, cross-functional collaboration between tech and business, and a firm commitment to customer-centric innovation, Danske Bank is setting a benchmark for how traditional institutions can reinvent themselves in the embedded finance era.

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

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  • Автор
    Dave and Dharm DeMystify Fintech
  • Годы выхода
    2020 - 2025
  • Выпуски
    147
  • Ограничения
    Без ненормативной лексики
  • Авторские права
    © All rights reserved
  • Сайт подкаста
    Dave and Dharm DeMystify

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