Fintechs sell products. Banks absorb responsibility, with Ronel David | Fintech Garden Podcast 148

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Meet Ronel David, independent non-executive board member at PayInc. Ronel is a strategic commercial leader with 20+ years of experience in banking, fintech, and technology, helping businesses scale at pivotal inflection points. Her career has been defined by driving growth, market expansion, and transformation across international markets, with a consistent focus on client outcomes and people-first leadership.

Timestamps:

00:04 – Intro

01:04 – Fintech vs bank cultural gap

02:50 – Ecosystem shift and Brex example

06:02 – Strategy: customers, competition, and market shifts

08:01 – How banks evaluate fintech partnerships

10:07 – API example: different perspectives

11:14 – Internal decision-making complexity

13:35 – AI impact on financial services

14:30 – AI and human “placement”

16:23 – Accountability in AI systems

18:41 – Talent shifts and ex-bankers

20:18 – Institutional knowledge gap

23:03 – Experience vs disruption

24:01 – Brex and resilience lessons

26:24 – Inclusion in fintech today

28:39 – Structural bias and retention

33:21 – Advice for fintechs working with banks

35:10 – Co-creation and partnerships

36:05 – Outro

The Fintech Garden is hosted by Igor Tomych, founder and CEO of DashDevs, and Dumitru Condrea, founder of Novafin. All conversations revolve around the world of fintech, movers and shakers, how decisions are made. Make sure to tune in to stay ahead of the curve when it comes to how the world of finance is evolving before our eyes.

Follow us: https://fintech.garden

Check out DashDevs: https://dashdevs.com

Connect with our hosts:

Igor Tomych https://www.linkedin.com/in/igortomych/

Dumitru Condrea https://www.linkedin.com/in/dcondrea/

Guest:

Ronel David https://www.linkedin.com/in/ronel-david/