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The Connector.

Koen Vanderhoydonk (The Connector)

132 episodes

1 week ago

We map how Belgium’s e‑invoicing mandate and EU initiatives like VIDA, PSD3, and PSR are changing payments, and why compliance delivered via APIs is now a competitive product. We also unpack AI’s impact on onboarding, verification of payee (VoP), and the push for lower, more sovereign fees. Join us for a podcast with Cedric, CEO of Digiteal. • API-based payments, e‑invoicing, QR, and open banking • Belgium’s Peppol mandate and fast adoption • VIDA and the road to cross-border e‑reporting • C...

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Entrepreneurship

All content for The Connector. is the property of Koen Vanderhoydonk (The Connector) and is served directly from their servers with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.

We map how Belgium’s e‑invoicing mandate and EU initiatives like VIDA, PSD3, and PSR are changing payments, and why compliance delivered via APIs is now a competitive product. We also unpack AI’s impact on onboarding, verification of payee (VoP), and the push for lower, more sovereign fees. Join us for a podcast with Cedric, CEO of Digiteal. • API-based payments, e‑invoicing, QR, and open banking • Belgium’s Peppol mandate and fast adoption • VIDA and the road to cross-border e‑reporting • C...

Show more...

Entrepreneurship

Episodes (20/132)

The Connector.

The Connector Podcast - DFS Digital Finance Summit - From Onboarding To No Boarding: How NABU Streamlines KYC For Payments, Banks, And PE

We unpack why KYC in payments became so heavy and how to make it almost invisible with data orchestration, deep KYC, and thoughtful UX. NABU’s approach prefills profiles from trusted sources, uses AI to verify the real world, and gives analysts clear, auditable evidence. • mission to move from onboarding to no boarding • why payments face extra AML and sanctions scrutiny • balancing seamless UX with regulatory obligations • EU AMLD6, UBO access, and national eID schemes&nbs...

1 week ago

16 minutes

The Connector.

The Connector Podcast - DFS Digital Finance Summit - From Peppol To PSD3: How EU Payments Are Being Rebuilt

We map how Belgium’s e‑invoicing mandate and EU initiatives like VIDA, PSD3, and PSR are changing payments, and why compliance delivered via APIs is now a competitive product. We also unpack AI’s impact on onboarding, verification of payee (VoP), and the push for lower, more sovereign fees. Join us for a podcast with Cedric, CEO of Digiteal. • API-based payments, e‑invoicing, QR, and open banking • Belgium’s Peppol mandate and fast adoption • VIDA and the road to cross-border e‑reporting • C...

1 week ago

17 minutes

The Connector.

The Connector Podcast - DFS Digital Finance Summit - Funding Growth With Real-Time Inventory Value

We sit down with Xavier Corman to unpack how Finrack turns inventory into financeable collateral using real-time pricing and a sale-and-buyback model. The conversation spans EU cross-border advantages, practical AI, and why better inventory KPIs drive both growth and sustainability. • founding story and links to FinTech Belgium and EDFA • the SME financing gap when inventory is the asset • how real-time pricing enables flexible funding • case study of an organic bakery scaling seasonal outpu...

2 weeks ago

15 minutes

The Connector.

The Connector Podcast - DFS Digital Finance Summit - Designing Secure Identity For Banks And Fintechs

We dig into how AI changes the risk surface for banks and fintechs and why identity must be designed from the start. Sutton Maxwell of Curity shares how to set API guardrails, balance friction with trust, and choose hybrid architectures that meet regulation without killing speed. • What Curity does for API security and identity • Why AI pilots fail without early security design • Common mistakes when teams bolt on controls late • How to balance UX with risk‑based friction • US speed vs EU re...

2 weeks ago

13 minutes

The Connector.

The Connector Podcast - DFS Digital Finance Summit - From Legacy To Multi-Rail: Building A Modern Payment Stack

We explore with Alexander from Solanteq, what makes a payments platform truly modern: cloud-native, modular, API-first, and regulation-ready, with the ability to scale from small pilots to global volume. We share a vision for “payment autopilot” and how multi-rail orchestration and AI can make payments feel invisible. • Cloud-native, modular architecture for issuing, acquiring and settlement • API-first integration with legacy and new systems • Compliance by design and predictable audits • D...

2 weeks ago

14 minutes

The Connector.

The Connector Podcast - DFS Digital Finance Summit - From Dora To SOC 2: How Copla Simplifies Compliance For Fintechs

We explore how fintechs can move fast without breaking compliance, turning frameworks like DORA, NIS2, ISO 27001, SOC 2, and PCI DSS into a shared foundation for resilience. Copla’s blend of automation and expert guidance shows why continuous audit readiness beats fire drills and how vendor risk can be managed at scale. • origin story and why compliance pain inspired Coppla • mapping across frameworks, including DORA, NIS2, ISO 27001, SOC 2, PCI DSS, MiCA • automation plus expert support for...

2 weeks ago

14 minutes

The Connector.

The Connector Podcast - DFS Digital Finance Summit - Hong Kong: The Fintech Launchpad For Europe

We explore how Hong Kong serves as a precise, high‑density launchpad for European fintechs, combining global finance access with practical, domain‑based regulation. Paula Kent and Fernando from Invest Hong Kong share tactics, sectors with pull, and concrete wins founders can model now. • Hong Kong’s financial hub status and market density • Differences between the EU scale and the Hong Kong focus • Domain‑based regulation for virtual assets and stablecoins • Common law fami...

3 weeks ago

17 minutes

The Connector.

The Connector Podcast - DFS Digital Finance Summit -Inside Belgium’s Business Data: Compliance, Risk, And Real-Time KYB

We connect the dots between KYB, UBO rules, and open data, showing how structured official records cut risk and speed up onboarding. We also explore agentic commerce, the rise of perpetual compliance, and why human oversight remains essential. Join Toon Vanagt, founder and CEO of Data.be. • data.be’s single view across Belgian registers • KYB across onboarding, credit, and ongoing checks • UBO transparency, purpose, and new access limits • moving from reactive to perpetual monitoring •...

3 weeks ago

21 minutes

The Connector.

The Connector Podcast - DFS Digital Finance Summit - AI-Powered Debt Collection, Explained

We explore how AI and behavioural science can make debt collection more humane, more effective, and easier to scale across Europe. PAIR Finance explains reinforcement learning, a single international platform, and why recovery and retention go hand in hand. • AI-driven collections with behavioural science • Reinforcement learning optimising tone, timing, channels • One platform operating in 11+ European markets • Compliance with EU AI rules and local licenses • Recovery rates improved while ...

3 weeks ago

15 minutes

The Connector.

The Connector Podcast - DFS Digital Finance Summit - Fixing Europe’s Fragmented Credit Data For Real Financial Mobility

We explore how Europe’s fragmented credit data blocks fair lending for people who move across borders, and how Mifundo connects bureaus and banks to make financial identities portable. We share progress to 17 countries, the mindset shift lenders need, and how to use AI under EU high‑risk rules without black boxes. • fragmentation of European credit data and its impact on borrowers • difference between cross‑border credit and financial mobility • historical and regulatory reasons for national...

3 weeks ago

18 minutes

The Connector.

The Connector Podcast - FinanceX #18 - 2026 Outlook

The ground under finance moved, and most people only felt a rumble. We spent 2025 translating messy tech estates into DORA‑ready living registers, turning spreadsheets into real‑time risk maps, and discovering that fintech isn’t a sidecar anymore—it’s the engine. When a major processor or open banking provider hiccups, payments across entire regions stall. That’s why regulators accelerated, why critical third parties now face continuous oversight, and why instant payments became Europe’s quie...

1 month ago

16 minutes

The Connector.

The Connector Podcast - From LEI To vLEI: How Companies Prove Who They Are Across Borders

What if your systems could instantly verify not just a company’s identity, but that a specific person or agent is truly authorized to act for it? We sit down with Alexandre Kech, CEO at GLEIF, to unpack how the Legal Entity Identifier became the world’s backbone for business identity and how the new Verifiable LEI brings authority, delegation, and digital trust into the open—across web, apps, and cross‑border workflows. We trace the journey from post‑2008 regulatory gaps to a global, regulat...

1 month ago

15 minutes

The Connector.

The Connector Podcast - FinanceX #17 - Payments

Money now moves at machine speed, and the rules of trust, identity, and loyalty are being rewritten in real time. We break down how banks are collaborating on shared utilities, why a 20-character LEI is becoming a passport for cross-border payments, and where BNPL’s rapid growth collided with transparency as FICO pulls installment data into mainstream credit scoring. Along the way, we explore why a checkout that ignores local habits can sink conversion, with Poland’s BLIK and parcel lockers a...

1 month ago

13 minutes

The Connector.

The Connector Podcast - Nordic Fintech Week: Identity, AI, and the User First

The biggest fintech wins don’t start with features—they start with identity. We sat down with Curity CEO Gustav Sahlman fresh off Nordic Fintech Week to unpack why identity is now the strategic layer for conversion, retention, and rapid product launches, and how AI is reshaping what customers expect from every interaction. From passkeys and biometrics to data sovereignty and deployment freedom, we dig into practical choices that make security feel effortless while staying compliant across KYC...

2 months ago

17 minutes

The Connector.

The Connector Podcast - FinanceX #16 -Agentic AI, Orchestration, and the Future of Finance

The hype cycle is over; the results era is here. We unpack how finance moves from shiny demos to measurable outcomes by pairing agentic AI with the enterprise plumbing that actually makes change stick: orchestration, shared standards, and rigorous governance. Along the way, we confront the 93% project failure narrative and show why a simple time filter—necessary, automatable, delegable—cuts through noise and aligns work with true ROI. We walk through real examples that shrink lending cycle t...

3 months ago

16 minutes

The Connector.

The Connector Podcast - FinanceX #15 - Lending & Mortages Innovation

Finance is being fundamentally rebuilt and re-architected as credit becomes woven into our digital lives rather than something we seek out separately. This shift toward invisible, embedded finance is changing how individuals and businesses access and manage money, with fintechs often leading the charge. • Invisible lending is embedding finance directly into digital experiences like e-commerce checkouts and business software • Traditional banks risk becoming less relevant if they don't adapt ...

4 months ago

12 minutes

The Connector.

The Connector Podcast - Nordic Fintech Week: Where Innovation Meets Humanity (Special Discount code: “TheConnector20”)

Special Discount code: “TheConnector20” https://nfweek.com/ David Grundy takes us behind the scenes of Nordic Fintech Week, revealing why this gathering has become Europe's premier dedicated fintech event. Unlike other technology conferences that cover multiple domains, Nordic Fintech Week maintains a singular focus on financial technology, creating a unique space where startups and established institutions converge with shared purpose. The 2023 theme, "Can we keep technology human?" perfect...

4 months ago

15 minutes

The Connector.

The Connector Podcast - From Estonian Startup to European Banking Pioneer: InBank's Journey

Ever wonder how a small Estonian startup transformed into a multi-country European bank during one of the most challenging periods in modern financial history? InBank's remarkable journey proves that crisis creates opportunity for those innovative enough to seize it. After the 2008 financial crisis, when traditional banks pulled back from consumer finance and technology investment, InBank recognized a critical market gap. Their "killer feature" in 2011 was remarkably simple yet revolutionary...

5 months ago

20 minutes

The Connector.

The Connector Podcast - Listening to Markets: How OmniWave Fintech Turns Chaos into Consistent Returns

Decrypting the language of markets through sound, frequency, and vibration isn't just a headline-grabbing concept – it's the foundation of OmniWave Fintech's revolutionary approach to wealth management. In this thought-provoking conversation, CEO and founder Adam Rubin reveals how his team has developed a system that transforms market noise into consistent returns, particularly in the deep waters of the Forex market. What sets OmniWave apart isn't just their algorithmic prowess but their rad...

5 months ago

15 minutes

The Connector.

The Connector Podcast - Unleashing AI: Power, Personalization, and Mythic Forces with Emmanuel Daniel

Emmanuel Daniel, founder of TAP International and author of "The Great Transition," explores the fascinating connections between ancient snake mythologies, humanity's quest for immortality, and the rise of artificial intelligence in the financial industry. • Mythologies across cultures show humanity's aspiration for godlike powers and immortality, with snakes symbolizing renewal without true immortality • AI represents our latest attempt to achieve godlike status but may contain built-in lim...

6 months ago

18 minutes