Structural Shifts | aperture podcast aperture.co

We have a special podcast episode, which is all about Embedded Banking. We hosted four excellent guests:


Christine Schmid, Head of Strategy at additiv
Eric Mouilleron, CEO & Founder at Bankable
Scott Gordon, CEO at Kard
Tue Mortensen, Global Head of Prime and Relationship Management at Saxo Bank.

Main topics discussed:
1. What is embedded banking?
2. The mechanics of embedded finance
3. Making the business case for embedded finance
4. What creates differentiation in this space?

Today we speak with Hasan Nawaz, co-founder and CEO at HUBUC — a banking as a service (BaaS) platform that enables brands to open up new revenue lines by seamlessly embedding financial products into their customer journeys. HUBUC takes care of all the regulatory requirements and manages compliance risk. This allows their customers to get their services to market in less time with fewer resources. In this episode, you are going to learn what banking as a service or BaaS actually is, why it’s not the same as embedded finance. What’s happening right now in the BaaS landscape, the difference between BaaS 1.0 and 2.0, and more.

Before we get to the show, we want to flag that on May 1st we say happy birthday to aperture. We’re two years old! In case you are brand new to us, we design build, fund, and scale digital age companies. Now on with the episode.

Today we host Neri Tollardo, Tinkoff’s Vice President of Strategy. In this episode, we discuss about Tinkoff’s entrepreneurial spirit (which has no hierarchy or bureaucracy, and this is something that they plan on maintaining as they scale), about the difference between creating an ecosystem as opposed to a conglomerate of different goods and services, how Tinkoff has managed to create insane customer engagement compared to most banks by combining their content with their technology, and more. Before joining Tinkoff, Neri was a top ranked sell-side research analyst at Morgan Stanley. Enjoy the episode!

Today, we have a special podcast episode, which is all about Bitcoin, discussing topics like: should every investor have some exposure to Bitcoin or is it still too volatile? What’s its intrinsic value anyway? And is Bitcoin a sustainable investment when it consumes more electricity than Argentina? We hosted four excellent guests: Izabella Kaminska, FT Alphaville editor at the Financial Times; Preston Byrne, partner at Anderson Kill; Nic Carter, partner at Castle Island Ventures; and Seamus Donoghue, VP Strategic Alliances at METACO.

What is the future of our cities? During the pandemic, places like London have seen an exodus of people who can work from anywhere. What is the future of office space? Is co-working going to continue? We dive into these questions with guest Zsolt Kohalmi, global head of real estate and co-CEO of Pictet Alternative Advisors. We also cover the future of retail and whether the pandemic plus Amazon has permanently closed a lot of our favorite shops and what’s going to become of these spaces. We discuss real estate: is it going to become more environmentally friendly? Will technology become more embedded into our urban infrastructure? Zsolt earned his MBA at INSEAD and he speaks nine languages. This is such an interesting conversation and if you like the interview that we have here on this show, then you will likely enjoy Pictet’s podcast “Found in Conversation” where they interview leading experts on how we can improve the modern world.

Climate change expert Chris Goodall says that fighting climate change isn’t as challenging or as expensive as we think it is and can actually benefit our economy. In today’s episode, we discuss how the climate change movement can advance social change, whether we can save our planet without some structural shifts to capitalism, nuclear energy, the politics behind tackling the climate crisis, and more. Chris has written several books, of which What We Need To Do Now For A Zero Carbon Future and How To Live A Low Carbon Life.