Episodes
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In this episode we speak with Mark Hadfield from "Meet the 85%", Manuel Maqueda from Harvard University, strategic adviser Max Nokhrin and Victor Milligan from Cairnbridge Advisors about the current state of ESG and associated regulations. What are their insights and recommendations? What the FinTech Scotland's Financial Regulation Innovation Lab can deliver and their hopes for the programme.
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In this episode Richard Nicol from the Phoenix Group and Tom Mcfarlane from EY speak to us about the ESG challenges they are facing and why they decided to join the Financial Regulation Innovation Lab programme to find solutions to those challenges as well as what they are looking for with applicants.
To apply for this innovation call visit this page.
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Missing episodes?
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In this podcast, our partners at Label Sessions interviewed Antony Brookes and Ruairidh Patfield from abrdn to hear about their experience of getting involved in the Financial Regulation Innovation Lab's first innovation call.
Alongside Tesco Bank, Virgin Money, Morgan Stanley and Deloitte they worked with the University of Glasgow and the University of Strathclyde to reshape financial compliance through AI and emerging technologies.
Calling fintechs from around the world to get involved they selected 5 of them to partner with. In this podcast we also hear from those 5 organisations with:
Callum Murray (Amiqus)
Mick O'Connor (Haelo)
Daniel munro (Level-E)
Neil Sinclair (Pytilia)
Simon Dix (DX Compliance)
To apply for our new Innovation Challenge on reshaping ESG in Financial Services visit https://www.fintechscotland.com/what-we-do/financial-regulation-innovation-lab/shaping-the-future-of-esg-in-financial-services/
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We're at Money2020 and we sat down with Maysara Hammouda, Founder and CEO of Scottish fintech Predictiva. We spoke about his solution that uses AI in the trading sector, his views on the future of AI and the future of trading and the real benefits and challenges poised by the development of AI.
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In this episode we spoke with Megan Grant from Edinburgh-based fintech Appointedd about Consumer Duty and the role that new innovative technologies can play in supporting established financial firms meet those new requirements.
At the end we also mentioned Megan's next challenge, swimming the channel to raise money for charity. To support her follow this link. https://www.justgiving.com/page/megan-grant-channel-swim
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In this episode, we explore the role of Artificial Intelligence (AI) in streamlining compliance within the financial sector, showcasing the Financial Regulation Innovation Lab.
We discuss the future of financial compliance, enriched by AI's capability to automate and innovate. This episode is for anyone interested in the intersection of technology, finance, and regulation, offering insights into the collaborative efforts shaping a more compliant and efficient financial landscape.
Guests:
Antony Brookes - Head of UK Investment Compliance, abrdn Mark Cummins - Professor of Financial Technology at University of Strathclyde Joanne Seagrave - Head of Regulatory Affairs at Tesco Bank -
Episode recording with Fintech Australia.
Fintech has emerged as a transformative force in the financial sector, offering innovative solutions that not only enhance financial services but also address broader societal issues, including environmental sustainability, customer vulnerability, and overall financial well-being.
Those objectives are heavily featured in the Research & Innovation Roadmap that we published 2 years ago.
In Scotland, we have an important number of fintechs addressing those challenges. In fact, the majority of Scottish fintechs are fintech for good.
Today we’ll take some time to consider how those organisations are driving positive changes.
Guests:
Ren Hooi, Founder and CEO at Lightning Reach
Robin Peters, Co-founder and CEO at Snugg
Sheila Hogan, Founder and CEO at Biscuit Tin
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In the ever-evolving landscape of fintech, securing Series A investment is a crucial milestone. Raising investment is much more than just about the money and we’re going to explore what that means in this episode.
We will delve into the crucial stage of Series A fundraising for fintech companies and speak about investor mindset, pitching, challenges and pitfalls.
This episode is for fintech entrepreneurs gearing up for Series A, investors keen on the latest trends, and anyone curious about the intersection of finance and technology. Participants
Guests:
Jason Cohen – Associate Director - Corporate Finance at PwC UK
Royston Hoggarth - Chair at Stellar Omada Limited
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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.
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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.
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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.
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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.
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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 McKechnie – Head of Products at Equifax
Crawford Taylor – CEO and Founder at Nude
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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 episode we’ll be speaking about BNPL2.0 and wonder if this is in fact the future, its advantages and pitfalls
Guests:
Geordie Laing – Head of Partnerships at Zing Cover
Thomas Bull – Partner at EY and Head of Fintech Growth
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On November 10th, 2022, the Digital Operational Resilience Act (DORA) was approved by the EU.
It is designed to standardise IT risk requirements in the financial sector to ensure that all participants of the financial system are subject to a common set of.
Amongst other things it introduces an oversight framework for critical third-party providers.
In this podcast we will discuss how this new EU regulation can impact fintech firms that are very often providing 3rd party services to established financial firms.
Guests:
Yvonne Dunn, Partner at Pinsent Masons
Wayne Scott, Regulatory Compliance Solutions Lead at NCC
Jamie Graves, technical advisor on the TrueDeploy project
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In this special episode with speak with David Tracy, Head of Data Science, at Smart Data Foundry on the week they presented their new Aisle proposition at Innovate Finance Global Summit.
What is synthetic data is? How is it different from real-world data?
We'll explore how it will speed up innovation and collaboration in the fintech world, what the risks and benefits are and much more.
David will also speak to us about the work they've done with the FCA and the PSR to tackle APP fraud using Agent Based Simulation.
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Scaling up a fintech business is a crucial part of a company’s life, moving from launching and validating a proposition to growing, onboarding clients and driving revenue. At that stage companies will focus on marketing, sales, recruitment which are all important considerations. It is however paramount to also look at resilience to protect customers/clients, adhere to new regulation, be investor ready and navigate procurement better and faster.
In this podcast we will explore what being resilient mean. We’ll cover cyber resilience of course but will go much wider and look at how to build a solid and future proof business.
Guests:
Wayne Scott – Regulatory Compliance Solutions Lead
David Lanc – Founder and CEO at Ionburst
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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 adhere to those new rules.
Guests:
Venetia Jackson – Senior Associate at Pinsent Masons
Joseph Twigg – Founder and CEO at Aveni
Chris Ansara – Founder and CEO at docStribute
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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 make this possible.
Guests:
Ian Hogg – Chairman of The Work Tech Group that owns fastPAYE
Hayley Strachan - Director - Global Employer Services at Deloitte
Richard Tooth - Tax & Legal consultant at Deloitte LLP
Eira Hammond - Executive Director Global Payroll at Hi55 Ventures
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The FinTech Scotland Research and Innovation Roadmap highlighted the growing focus on climate considerations for the financial services sector.
Whilst this is in part driven by consumers, demanding better transparency for the products they invest in, this is the launch of new regulations that is accelerating the move to a more sustainable financial sector.
Financial services providers are facing growing challenges around ESG reporting due to the difficulties around the availability of trustworthy data. This has led to mounting concerns around greenwashing.
In a bid to clamp down on greenwashing, the Financial Conduct Authority (FCA) is proposing a package of new measures including investment product sustainability labels and restrictions on how terms like ‘ESG’, ‘green’ or ‘sustainable’ can be used.
In this podcast we discuss how to best avoid greenwashing moving forward.
Guests:
Colin Carmichael – Sustainability Director at PwC
Jules Salmond – Founder at Ciendos
Matthew Brander - Senior Lecturer in Carbon Accounting at The University of Edinburgh Business School
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