LFP251 – WARNING Re Mugging & Banking Apps
London Fintech Podcast
by Mike Baliman
2d ago
This is a super-short extraordinary LFP outside the usual programming schedule to alert listeners to the crime of mugging folks and then getting them to transfer under duress large sums of money to the thieves bank account. This is apparently on the increase in London and is well-known in countries such as Brazil and South Africa where people may routinely take burner phones with them when going into the City. I initially learned about this risk in this Reddit thread. Many people without reflection may in effect carry access to all of their money on a single device. We look at possi ..read more
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LFP250 – Guide to using PR in Tech Firms w/Ben Goldsmith CEO Goldsmith Communications
London Fintech Podcast
by Mike Baliman
2w ago
If you invent the world’s greatest Fintech App in your garden shed that’s impressive – but something only known to you. At which point you need to get the word out to relevant audiences. PR is an essential component in the modern world to help you refine and target that message and to get you and it into the relevant publications/podcasts et al that will reach your target clients and the market in general (think targets for next fund raise perhaps). At a more macro level, the dark side of PR is that it is, as Musk said propaganda, and one often designed not in the recipients’ best interest, w ..read more
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LFP249 – Radical Innovation in a Cross-Domain Fashion w/Ani Sane co-founder Terrapay
London Fintech Podcast
by Mike Baliman
1M ago
One major way of innovating is to move into a domain with transferable and out of the box skills/ideas/technology. This presents obvious opportunities  for radical change yet naturally produces equally obvious challenges. In this episode we look at how 4 co-founders created a payments infrastructure Fintech that now connects an amazing 7.5 billion bank accounts, 6 billion cards, connect banks in 144 countries and have 620 employees with offices in 35 countries. Ani came from FS and so understood not just how money currently moved but also the super-importance of understanding that its a ..read more
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LFP247 – The Long Slow Path To Tech Success, Issues Involved and Moral Choices w/Ruzbeh Bach CEO City Falcon
London Fintech Podcast
by Mike Baliman
2M ago
The tech world focuses heavily on the “succeed fast or fail fast” model of tech growth. In part this is as VC firms generally have limited life funds and hence cannot handle slower models but is also as the tech press loves the hype/condemn cycle implicit in this. However generally most businesses do not follow this model. Whilst rapid success comes to a few, for more it takes rather longer and for many its a slow rocky path. After all hottie OpenAI (ClosedAI?) took quite some years to make a noticeable splash. Ruzbeh founded City Falcon a decade ago and whilst, like us all, preferred rapid ..read more
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LFP246: The Crucial Role of Venture Accelerators – NEDs, Advisors, Mentors, Mentors of Mentors, Angels et al – w/Nic Lenz
London Fintech Podcast
by Mike Baliman
2M ago
The Founder(s) is(are) at the heart of creating something new that literally never existed before.  However they very much do not do this in vacuo needing to entice and hire a team below them but also, less well understood, a team around them. The surround will at some point coalesce into a formal Board (as opposed to a pro forma Board for Day0 – and for many days after – NewCos). In this episode experienced NED/Advisor/Mentor/Angel Nic Lenz and I discuss experience in this field with particular reference to formerly senior BigCo folk who wish to get involved in the SmallCo world attract ..read more
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LFP244 – The Use Of Multiple Models Across The Lending Process w/Jerome Le Luel CEO Triver
London Fintech Podcast
by Mike Baliman
3M ago
In this episode we take the opportunity to talk to one of the most credit risk experienced men in Fintech who has ranged from a dozen years at seminal Capital One through managing Barclay’s £40 bn portfolio, being CRO at Funding Circle to now founding his own Fintech to mechanise further short term SME liquidity financing, Jerome’s stats are that banks automate roughly 5% of this type of lending whereas he believes the vast majority to be automatable. We discuss what credit risk is in the age of data, automation and Fintechs and dive into the multiplicity of models used in a credit pipeline ..read more
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2024 New Year Special: A Deeeep Dive Into Creativity and Its Importance In Creating a New World not a New Order
London Fintech Podcast
by Mike Baliman
4M ago
This 2024 New Year Special forms the sixth and final in a series of six (there will be no more) about how technology – and in this episode way wider forces – are changing us directly for the better (read huge software upgrades) in order to overcome, in a velvet revolution, empowered tyrants. I said in last years 2023 New Year Special that “It is by far the most ambitious, empowering and positive of all suggesting that we use the insanity as a spur in our sides to seek to flee Plato’s cave, escape the Matrix and speed up our path to awakening in search of love, light and healing.” Well this on ..read more
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LFP243 – The Berlin Tech Scene: A Deep Dive w/Ivan Maryasin CEO Monite
London Fintech Podcast
by Mike Baliman
5M ago
In this Xmas special we zoom out from Fintech to Tech as a whole in one of Europe’s coolest capitals – Berlin. Ivan is a great person to guide us through the scene having spent many years in the Ur-tech hub of San Francisco/Silicon Valley. This also means that he understands both the outsiders perspective on Berlin tech as well as now an experienced and well informed insider. Ivan honestly lays out both the highs and the lows of being in Tech in Berlin – the good news and the challenges and the somewhat insane (see below) – that he has encountered with his embedded financial infrastructure st ..read more
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LFP242 – Fintech in Saudi Arabia and Collective Savings w/Naif AbuSaida CEO Hakbah
London Fintech Podcast
by Mike Baliman
5M ago
Saudi Arabia is a country that increasingly confounds stereotypes and expectations – an example being a YouTuber who has visited every country in the world choosing it for his honeymoon. At the same time it has undergone a phenomenal journey literally in a lifetime from a very low economic standard of living to super-high. As a result, like China, it shares the “relatively blank canvas from which to start Finteching” but equally has it’s own unique issues notably eg in a country with centuries of little wealth and suddenly (on average) excess savings culture and the likes of pension provision ..read more
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LFP241 – A Deep Dive Into Alternate Asset Investment via Fintech w/Dan Harman CEO Darksquare
London Fintech Podcast
by Mike Baliman
6M ago
Why buy alternative assets? Well in extremis what else would you buy? Bonds have finished their ca. 40yr bull market and yield well below the rate of inflation. The FTSE to pick one has gone sideways over the past 5 yrs and is not greatly ahead after a decade. And as for UK property it’s soft at best, Gold is going nowhere and so forth. Naturally as we have touched on both those phenomena are a function of the nature of money, the ’08 crisis, covid insanity, non-stop war and much more which have all messed with the fiscal and monetary base of major western economies. Anyway even if you keep ..read more
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