Scotland Fintech Festival - Episode 4 - Smart Data Foundry
FinTech Scotland
by FinTech Scotland
7M ago
During this special episode of Fintech Scotland's Podcast we recorded live from the Fintech Summit, the opening event of Scotland Fintech Festival that took place between the 21st of September and the 12th of October 2023. In this episode we spoke to Bryn Coulthard, Chief Product and Technology officer at Smart Data Foundry. We discussed the role of data as an enabler for collaboration between fintech firms and established financial firms. More specifically we looked at synthetic data to innovate in a safe and efficient way ..read more
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Scotland Fintech Festival - Episode 3 - Phoenix Group
FinTech Scotland
by FinTech Scotland
7M ago
In this special fintech festival episode Fintech Scotland and Findr spoke with Rebecca Midgley, Innovation Manager, at the Phoenix Group. We spoke about their innovation forum, how they partner with fintechs and how they are looking to tackle societal issues such as the gender saving gap ..read more
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Scotland Fintech Festival - Episode 2 - Snugg & TSB
FinTech Scotland
by FinTech Scotland
7M ago
In this special 2023 Scotland Fintech Festival episode we spoke with Mike Teall, Co-Founder and Chief Commercial Officer at Scottish fintech Snugg and Adam Betteridge, Partnerships and Open Banking Lead at TSB. We discussed TSB Innovation Labs that saw Snugg secure a partnership with TSB, helping the bank's customer make their homes greener. We focus specifically on what makes for a good collaboration between established financial firms and fintechs ..read more
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Special Scotland Fintech Festival 2023 - Nicola Anderson, CEO at FinTech Scotland
FinTech Scotland
by FinTech Scotland
7M ago
Scotland Fintech Festival took place between the 21st of September and the 12th of October. With over 50 events the festival was a real success this time again. During the launch event, the Fintech Summit, we recorded special episodes in collaboration with collaboration platform Findr. In this episode we speak with Nicola Anderson, CEO at Fintech Scotland about the festival itself as well as initiatives that are underway, delivering the recommendations of the UK Research & Innovation Roadmap ..read more
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How Open Finance is revolutionising lending
FinTech Scotland
by FinTech Scotland
10M ago
Lending money is a process that has long been around and for many years it was left undisrupted. People are very familiar now with credit scores and the idea that to get credit you need credit. New solutions and technologies are coming to disrupt this market to make financial products more accessible to a greater number of people. In this episode we’ll look at how Open Finance is changing the status quo and look at some fantastic examples of fintech innovation. We’ll also look at how credit bureaus are adapting and partnering with fintechs to evolve their own models. Guests:  Robert McKe ..read more
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By Now Pay Later 2.0, what it means for fintechs and financial services providers
FinTech Scotland
by FinTech Scotland
11M ago
By Now Pay Later is not something new. Offline, it’s a process that goes back several decades. Online we’ve started to see offers develop in the last 10 years with a real acceleration powered by fintech innovation in the last 5 years. In the UK this market represents $27Bn and is expected to reach $55Bn by 2028 according to Payments Cards and Mobile. Recently we’ve started to witness the appearance of what’s called BNPL 2.0. According to CU today 61% of BNPL users would rather use a BNPL service offered directly from the merchant they’re buying from than go through a third party. In this episo ..read more
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Consumer Duty and fintech innovation
FinTech Scotland
by FinTech Scotland
1y ago
In July 2022, the FCA published its Consumer Duty. Regulated firms need to implement the new rules by the end of July 2023 for open products and July 2024 for closed books of business. Firms will need to review their products, communications and customer journey. It will impact most areas in those organisations such as governance, reporting, product design, pricing, distribution, servicing and staff training. In this podcast we will review the key principles, ask ourselves what the impact on both established firms and fintechs is as well as exploring innovative technologies that can help adher ..read more
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Fintech and payroll, disrupting how people get paid
FinTech Scotland
by FinTech Scotland
1y ago
When thinking about payroll generally most people would assume that it is something that works well. You work, you get paid. However, payroll is being disrupted like never before. According to software company Intuit, one in four workers say they have had paycheque errors. And cloud company Kronos found almost half of workers who have had two or more paycheque errors will look for a new job. Society is changing fast (even more so after COVID). In this podcast we’ll explore how those changes are impacting the way people work, get paid, pay taxes and how new fintech solutions are developing to m ..read more
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Mistakes to avoid when scaling a fintech
FinTech Scotland
by FinTech Scotland
1y ago
The fintech sector is growing at pace with more and more entrepreneurs launching their own innovative firm. Whilst starting a new company can be difficult, scaling one to the next stage isn’t any easier and comes with its own challenges. What makes a start-up different is its size, allowing it to be more nimble, faster and more agile which in turns allows for faster innovation. As it grows, employs more people, develops new operating models and uses more technologies, the danger is slowing down, increasing costs to deliver and less innovation. In this podcast we learn amount those mistakes and ..read more
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Fintech and space: Innovation examples
FinTech Scotland
by FinTech Scotland
1y ago
Fintech innovation is powered by data. New solutions appear every day, always consuming new data to develop new services to help people and organisations deal with money. Innovators are constantly in search for new data sources. The Scottish space sector has developed to be one of the largest in Europe. This industry, thanks to technology advances, can generate an incredible amount of data, from climate data to supply chain data, and much more., The fintech sector in Scotland is developing rapidly alongside an already very well-established financial sector. As new innovative solutions require ..read more
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