Breaking Banks Europe Breaking Banks Europe

The Bankers’ BookShelf is back, and this week Paolo Sironi invited Erin Taylor and Anette Broløs - Co-founders of Finthropology to delve into the essence of finance beyond mere numbers. They argue that for most people, finance serves to achieve life goals and maintain social relationships, emphasizing the human aspect of financial transactions. The conversation highlights the need for financial providers to adopt a customer-centric approach, offering solutions that people can control without expecting them to think like bankers. Paulo underscores the importance of understanding these human-centered perspectives in shaping innovative financial services. They conclude by announcing the release of Erin and Anette's new book, " Customer-Centric Innovation in Finance: Leveraging Human Insights to Drive Product Innovation in the Digital Age," available on Amazon.







"The Banker's Bookshelf" serves as a platform for critical thinking, showcasing impactful readings for curious bankers and fintech enthusiasts.







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Get the book!









https://www.amazon.com/dp/1398613878?ref_=cm_sw_r_cp_ud_dp_2S1FFNKWZVZBZZCCG4W1









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Connect with Dr. Erin B. Taylor, Director and Co-Founder, Finthropology







Erin is an anthropologist based in the Netherlands. She specialises in how people's financial behaviour is changing along with innovation in financial services. She holds a PhD from the University of Sydney, Australia, and has carried out ethnographic research in the Caribbean, South America, Africa and Europe.









https://www.linkedin.com/in/erinbtaylor/









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Connect with Dr. Anette Broløs, Director and Co-Founder, Finthropology







Anette is a fintech analyst based in Denmark. She is an experienced network leader working with strategic innovation and partnerships. She holds an industrial PhD in collaborative innovation and has a background in economics. Anette has extensive work experience in finance including six years as CEO of Copenhagen FinTech Innovation and Research.









https://www.linkedin.com/in/anette-brol%C3%B8s-a80490/

Another month, another "News From the Fintech Front." In Episode 223, March 2024 unfolds with the latest in fintech, hosted by Elizabeth Kleinveld. Joined by Oana Ifrim, Lead Editor at The Paypers, and David Gyori, CEO of Banking Reports London, the episode delves into the industry's hottest topics.







Discussions center around the transition from cash to central bank digital currencies (CBDCs), Capital One's acquisition of Discover, and its implications for competition and fintech. The episode also explores the EU's instant payments regulation and its challenges for banks, GoCardless's acquisition of Nuapay for addressing new use cases, and the evolving landscape of digital disruption and adaptability for survival.







Moreover, increased regulation affecting Banking-as-a-Service (BaaS) businesses, banking anomalies like Commercial Bank of Ethiopia's glitch and talent shortages, and innovative solutions like "Monzo Mafia" startups automating coding processes are thoroughly examined.







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* Oana Ifrim: https://www.linkedin.com/in/oana-ifrim/









Lead Editor, The Paypers









* David Gyori: https://www.linkedin.com/in/davidgyoribankingreports/









CEO of Banking Reports London

In the second episode of THE BANKERS’ BOOKSHELF hosted by Paolo Sironi, Mario Nava (Director General of DG REFORM for EU Commission) and Thorsten Beck (Director of the Florence School of Banking and Finance at the European University Institute) discuss the recent research "Digital Finance in the EU: drivers, risks, and opportunities”. The episode delves into the establishment of the EU-SFDA, an initiative promoted by the European Commission to enhance financial supervisory expertise in coping with advancements in technology. Mario and Thorsten emphasize the importance of fostering trustworthy artificial intelligence to uphold fundamental rights and safety standards. Furthermore, they explore the challenges and risks associated with decentralized finance, cybersecurity, and the need for resilient business models that adapt to fast digitalization changes. The dialogue with Paolo highlights the significance of dynamic knowledge acquisition for supervisory authorities and stresses the social aspect of transformative policies to ensure inclusion and societal benefit across the EU. Ultimately, the episode encourages continuous critical thinking and exploration within the realms of banking and finance.







Connect with our guests:







Mario Nava is the General Director of EU Commission leading the DG for STRUCTURAL REFORM SUPPORT to assist EU member states in the implementation of technical and structural reforms. https://www.linkedin.com/in/mario-nava-849794172







Thorsten Beck is the Director of the Florence School of Banking and Finance at the European University Institute. https://www.linkedin.com/in/thorsten-beck-1b262712/

In this episode of "Fintech4Good," hosted by Matteo Rizzi, Chris Lawrence from the Interledger Foundation joins the conversation on financial inclusion and digital innovation. Chris shares insights into his background in open tech and philanthropy, highlighting the foundation's mission to promote open protocols for payments. The discussion covers projects in Latin America and Africa funded by the foundation, emphasizing grassroots initiatives and university partnerships aimed at upskilling digital talent. Chris underscores the significance of open source in driving innovation and invites listeners to engage with the foundation's efforts to reimagine digital financial inclusion. Matteo and Chris conclude with a call to action for collaboration and exploration of future possibilities in the realm of fintech for social good.







Interledger Resources:









* Website







* People's Clearing House Grant Report







* Future/Money Podcast







* Bowie State Grant Interim Report







* Community Forum







* Developer Portal









Connect with Chris: https://www.linkedin.com/in/chrislarry/

Breaking Banks Europe is back with its “News From The Fintech Front” - February 2024 edition, this time hosted by Roberto Capodieci, and featuring UK-based Marie Walker broadcasting live from Washington and Sanjib Kalita joining from Virginia after a successful Fintech Meetup in Vegas. Walker brings expertise in financial technology and open banking, while Kalita, Chairman at Fintech Meetup, offers insights into fintech ecosystems and digital innovation. The discussion delves into 2024 fintech trends, addressing recent challenges like FTX's troubles and the potential of AI in fintech. They explore the impact of Bitcoin's soaring value on fintech investment and discuss the rise of Central Bank Digital Currencies (CBDCs). Walker emphasizes bundling services and process improvements as key investment areas, while Kalita highlights the importance of addressing security risks without adding friction. They conclude optimistically, foreseeing significant advancements and opportunities in fintech's future. The episode underscores the importance of innovation, collaboration, and staying abreast of fintech developments.

In the premiere episode of "The Bankers' BookShelf," Sangeet Choudary and Paolo Sironi explore the intricacies of sandwich economics, AI, and the future of banking. Drawing inspiration from Choudary's book "Platform Revolution," they delve into how platforms reshape industries and the geopolitical landscape. They discuss AI's role in commoditizing knowledge, the shift from labor to capital, and the imperative of adapting to AI-driven disruptions. The dialogue highlights the need for a balanced approach to navigating these transformations and underscores the importance of creativity and prioritization in the future of work. Join Choudary and Sironi as they embark on a journey into the evolving dynamics of banking and fintech in the digital age.