In the final episode of season six of the What the FinTech? podcast, host Paul Hindle is joined by FinTech Futures columnists and fellow podcast hosts Dave Wallace and Dharmesh Mistry to take a look back at some of the biggest trends to come out of 2025 and discuss what the new year might bring for the financial services sector. The discussion covers topics including agentic AI, stablecoins, neurodiversity in financial services, digital wallets, the future of payments, and more. And finally, in the spirit of the holidays, we find out which buzzwords Dave and Dharmesh want to release from our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we’re joined by Natasha Sarin, Senior Product Owner, Data and AI at Lloyds Banking Group, to discuss the evolving relationship between traditional banking and artificial intelligence. Natasha and FinTech Futures reporter Cameron Emanuel-Burns delve into Lloyds' generative AI strategy, showcase current use cases enhancing internal operations, and explore Natasha's insights into the future potential of the technology. Natasha also reflects on her career journey, the most exciting projects she’s worked on at Lloyds, the challenges of implementing AI strategies, and the importance of ensuring AI-generated financial information remains accurate and trustworthy.

In the latest episode of the What the FinTech? podcast, we're joined by two of BeHive Consulting's co-founders, CEO Rachel Altmann and Chief Behavioural Scientist Noemi Molnar, to delve into how behavioural science influences financial decision-making. The conversation explores how the growing trend of digital transformation is reshaping our psychological relationship with money and the key psychological principles fintechs should consider when designing new products. Altmann and Molnar, speaking with FinTech Futures reporter Cameron Emanuel-Burns, also examine gender differences in investing, the impact of financial anxiety on the adoption of new financial technologies, and the psychological factors that drive trust in digital-only services. The episode further highlights behavioural science techniques that some fintech companies have exploited, and Rachel shares the tips she received from her "future AI-self" at this year’s Sibos conference. And finally, we discover which fintech buzzword Rachel and Noemi want to throw into or rescue from our Fintech Jail!

In this episode of the What the FinTech? podcast recorded live at Money20/20 USA in Las Vegas, FinTech Futures' US correspondent Heather Sugg is joined by Justin Zhao, Head of Global Partnerships at Visa Direct, to explore how Visa Direct is pioneering the use of stablecoins to modernise cross-border payments. With the launch of Visa's pilot programme announced in September, Visa is testing stablecoin prefunding to help reduce settlement delays, unlock liquidity, and enable more flexible money movement for fintechs and remitters. Tune in to hear how Visa Direct is helping bridge traditional infrastructure with next-gen payment rails—and what this means for the businesses operating in a digital-first economy.

In this episode of the What the FinTech? podcast, host and FinTech Futures editor Paul Hindle is joined by Will Marwick, CEO of IFX Payments, to explore the rapidly evolving UK payments landscape and the future of cross-border transactions. The conversation covers the challenges around cross-border payments for corporates and SMEs, how IFX is tackling friction points in international transactions, and how the FX brokerage market has evolved amid significant FX volatility in recent years. Looking toward emerging technologies, Will also gives his perspective on the growing traction of stablecoins and their potential role in the future of international transactions. And finally, we find out what fintech buzzword Will wants to throw into our Fintech Jail!

In this episode of the What the FinTech? podcast recorded live at Money20/20 USA in Las Vegas, FinTech Futures' US correspondent Heather Sugg is joined by Laura Gibson-Lamothe, executive director of the Georgia Fintech Academy, to explore how the organisation is opening up connections between students and the financial technology sector. The discussion touches on Laura's distinguished career path and examines how fintech companies collaborate with the academy, while also highlighting a recent hackathon that attracted over 300 students who tackled challenges involving artificial intelligence, stablecoins, and financial inclusion. Listen in to hear Laura's advice for other fintech academies considering their launch, along with her insights on the future of fintech talent development.

In this episode of the What the FinTech? podcast, host and FinTech Futures editor Paul Hindle is joined by Marie-Gwenhaelle Geffroy, Head of Growth Capital at BNP Paribas, to explore the key start-up and funding trends in the European fintech space this year and learn more about BNP Paribas’ fintech investment strategy and how the bank works with new start-ups to help them scale and grow. The conversation covers how Europe’s fintech landscape has evolved in recent years and some of the defining focus areas across the region, which emerging technologies and use cases are picking up the most traction and showing the most potential moving forward, and Marie’s top tips for fintech founders looking to grow their businesses. And finally, we find out what fintech buzzword Marie wants to free from our Fintech Jail!

In this episode of the What the FinTech? podcast, host and FinTech Futures editor Paul Hindle is joined by David Caruso, Vice President of Financial Crime Compliance at WorkFusion, to explore the topic of financial crime compliance and how advances in artificial intelligence (AI) are causing a generational shift in the anti-money laundering (AML) technology space. The conversation covers how AI is revolutionising AML tech and the key elements of financial crime compliance that are most impacted by AI right now, the challenges that exist for AI adoption in the financial crime compliance sector, and the key benefits being offered by the technology and its next stages for development, as well as how WorkFusion has looked to utilise AI agents to help its clients detect and prevent financial crime. And finally, we find out what fintech buzzword David wants to throw into our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we’re joined by Joanne Dewar, Project Lead at Project Nemo, to discuss how to make financial services more accessible for people with disabilities. Joanne and FinTech Futures reporter Cameron Emanuel-Burns explore Project Nemo's origins and development, examining findings from the organisation's recent report on challenges adults with disabilities face when engaging financial services, with Dewar offering recommendations for financial institutions seeking to remove these barriers. The conversation also addresses how emerging technologies, particularly artificial intelligence, are reshaping disability inclusion in financial services, while tackling common misconceptions about accessibility in the industry. And finally, we discover which fintech buzzword Joanne wants to throw into or rescue from our Fintech Jail!

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In this episode of the What the FinTech? podcast, host and FinTech Futures editor Paul Hindle is joined by Binu Jacob, CEO and MD of Experion Technologies, and Experion Technologies advisor Markus Ruetimann, to discuss the imperative need for financial services companies working in asset management to accelerate their digital transformation initiatives to keep up with the rapid pace of change driven by emerging technologies and shifting customer demands. The conversation explores how Experion Technologies goes about helping its financial services clients with their transformation projects and the implementation of new tech, with a specific focus on asset management and some examples of successful use cases. Our two guests also cover the best strategies for businesses looking to upgrade their asset management tech and processes, the key benefits provided by emerging technologies such as generative AI within the space, and of course what makes Experion Technologies stand out from the crowd and it’s next steps for growth. And finally, we find out what fintech buzzword Binu and Markus want to throw into our Fintech Jail!

In this episode of the What the FinTech? podcast, host and FinTech Futures editor Paul Hindle is joined by Colin Fyfe, CEO of Unity Trust Bank, to discuss the current business banking landscape in the UK and how Unity Trust Bank has approached its ethical banking strategy to help support not-for-profit and smaller profit-with-purpose businesses in the country. We’ll dive into how the bank’s actions contribute to and deliver a range of positive social, economic, and environmental impacts across the UK, how the bank has approached its tech and innovation strategy to keep up with shifting customer demands and the emergence of new technologies, the key things businesses want from their banks in the current climate, and the bank’s plans for future growth amid increasing competition in the business banking sector. And finally, we find out what fintech buzzword Colin wants to throw into our Fintech Jail!

In this episode of the What the FinTech? podcast, host and FinTech Futures editor Paul Hindle is joined by David Watson, CEO of The Clearing House, to discuss what’s next for real-time payments in the US as usage numbers and transaction volumes across the country’s RTP networks continue to grow. The conversation explores the core drivers behind the growth of RTP in the US, how banks and businesses have been looking to adopt instant payments, the key trends around how businesses and consumers are choosing to make payments, and what the future looks like for RTP as new technological advancements such as tokenisation and stablecoins continue to revolutionise the sector. And finally, we find out what fintech buzzword David wants to throw into our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we’re joined by Suavek Zajac, chief technology officer at Tandem Bank, who discusses how the bank implements technology to support customers in adopting more environmentally sustainable lifestyles. Suavek joins FinTech Futures reporter Cameron Emanuel-Burns to explore how Tandem balances delivering personalised, immediate services while maintaining its environmental commitments, along with covering the bank's recent work involving AI and large language models. The episode also uncovers Suavek's perspective on emerging technologies that could transform sustainable banking practices, as well as his accomplishments as CTO, including the development of the Green Hub and Connect platform. And finally, Suavek reveals which fintech buzzword deserves freedom or confinement in our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we’re joined by Adam Ennamli, chief risk officer at General Bank of Canada (GBC), to discuss emerging risk management trends. Adam and FinTech Futures reporter Cameron Emanuel-Burns also explore Adam's experience as a Banking Tech Awards judge. Adam offers practical guidance for organisations considering entering this year's awards and explains his approach to evaluating submissions. The conversation extends to Adam's professional background, particularly his tenure at GBC. Adam reveals the primary risks confronting Canadian financial institutions today and highlights key lessons the banking sector should extract from recent global financial disruptions. And finally, we discover which fintech buzzword Adam wants to throw into or rescue from our Fintech Jail!

In this episode of the What the FinTech? podcast, host and FinTech Futures editor Paul Hindle is joined by Coen Jonker, founder and CEO of Tyme Group, to discuss how Tyme has looked to approach its growth strategy amid the evolving digital banking landscape globally, and what’s next for both TymeBank in South Africa and GoTyme Bank in Southeast Asia. The conversation explores how the group is utilising advancements in technologies such as GenAI and new fintech innovations to enhance its product suite and meet shifting customer demands, the latest digital banking trends and how new emerging technologies could further transform the banking industry, and Coen’s top tips for growing a digital bank in the current macroeconomic climate. And finally, we find out what fintech buzzword Coen wants to throw into our Fintech Jail!

In this episode of the What the FinTech? podcast, we’re joined by Nick Kerigan, Managing Director and Head of Innovation at Swift, to discuss the topic of digital assets and how the evolution of the payments landscape driven by innovations such as tokenisation and stablecoins could help enable global payments interoperability. Nick and FinTech Futures editor Paul Hindle explore the latest developments around the use of digital assets in the payments space, the biggest challenges facing the industry as we move towards a more tokenised future, and how Swift is helping to solve the interoperability challenge, with a deeper dive into the company’s live digital asset trials launched this year. And finally, we find out what fintech buzzword Nick wants to free from our Fintech Jail!

In this episode of the What the FinTech? podcast, we’re joined by Kristen Castell, Managing Director of the Centre for Accelerating Financial Equity (CAFE), to discuss the topic of financial health and wellness and what the financial services industry can be doing more of to support customers amid ongoing economic uncertainty and the tough macroeconomic climate globally. Kristen and FinTech Futures editor Paul Hindle explore how new technologies and fintech innovations are helping companies to boost their financial wellness initiatives, as well as the work CAFE is doing in the space, including a deep dive into the organisation’s fintech accelerator programme, which helps support financial wellness-focused fintech start-ups with their growth. And finally, we find out what fintech buzzword Kristen wants to throw into our Fintech Jail!

In the latest episode of the What the FinTech? podcast, we’re joined by Clare Pearson, Head of Technology Operations & Delivery Management at Fnality, for a deep dive into digital payment trends. Clare and FinTech Futures reporter Cameron Emanuel-Burns explore the outlook for cross-border real-time payments, tokenisation, digital wallets, and the evolving role of cards in a shifting payments landscape. The discussion also delves into Clare’s experience at the Payment Systems Regulator (PSR), her views on its integration into the Financial Conduct Authority (FCA), and her reflections on serving as a judge for this year’s PayTech Awards. And finally, we find out which fintech buzzword Clare wants to throw into or rescue from our Fintech Jail!

In this episode of the What the FinTech? podcast, we’re joined by Mats Persson Bergius, Chief Commercial Officer at Danish digital bank Lunar, to discuss the Nordic digital banking landscape and how Lunar has been looking to scale its own offering across the region as the bank approaches its 10th birthday this year. Mats and FinTech Futures editor Paul Hindle explore digital banking trends in the Nordics and what customers expect from their banking relationships, how Lunar has looked to approach its digital product strategy to stand out from the crowd and take on the established institutions in the region, the bank’s plans for expansion moving forward, and what’s next for its recently spun-out BaaS division Moonrise. And finally, we find out what fintech buzzword Mats wants to break out of our Fintech Jail!