London Fintech Podcast

Episodi

• Seeker and the rise of crypto-native smartphones 03.06.2026 47min

  Smartphones are evolving. According to Emmett Hollyer of Solana Mobile, the next generation of devices will be the foundation of how we own, trade, and manage digital assets.In this episode of the London Fintech Podcast, Tony Clark speaks with Emmett Hollyer from Solana Mobile about the rise of crypto-native hardware, the launch of the Seeker device, and why mobile phones could become the primary gateway to decentralised finance and digital ownership.Emmett shares the story behind building one of the world’s first crypto-native smartphones, from early experimentation and hardware challenges to shipping more than 150,000 devices across 50+ countries. The conversation explores how Solana’s high-speed blockchain infrastructure enables seamless mobile trading, payments, and digital asset interaction directly from your pocket.They also discuss why crypto adoption is moving beyond niche communities, how embedded security and ownership models are reshaping mobile technology, and why major manufacturers are beginning to pay attention to crypto-native infrastructure.At the heart of the conversation is a bigger question: what happens when financial services become native to the device itself?📌 Topics covered• The story behind Solana Mobile and the Seeker device• Why crypto-native smartphones are gaining traction globally• How Solana enables fast, seamless mobile transactions• The future of mobile DeFi and digital asset ownership• Hardware security, self-custody, and crypto usability• Why major tech companies are paying attention to crypto hardware• The shift from crypto niche to mainstream consumer adoption• How mobile devices could become the foundation of digital finance🔗 Learn more:Tony Clark: https://www.linkedin.com/in/tclark100/Emmett Hollyer: https://www.linkedin.com/in/emmett-hollyer/NextWave Consulting: www.nxwave.comSeeker: https://solanamobile.com/Solana: https://solana.com/Range by David Epstein: https://www.amazon.co.uk/Range-Generalists-Triumph-Specialized-World/dp/1509843493London Falling by Patrick Radden Keefe: https://amzn.eu/d/03Ipm9m8Go Beyond the Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?c=cG9zdDo5OTI5NzY%3D&nav=aHViX3BhZ2U6MTA%3D&s=null#Solana #Crypto #Web3 #Blockchain #DigitalAssets #DeFi #MobileTech #FinTech #CryptoWallet #SelfCustody #AI #Web3Gaming #Smartphones #FinancialServices #Innovation #LondonFintechPodcast
• From trading to infrastructure: Crypto’s real future 20.05.2026 48min

  Crypto is moving from the margins to the core of global financial infrastructure — but the real question is how fast that transformation will happen, and who will lead it.In this episode of the London Fintech Podcast, Tony Clark speaks with Keith Grose, UK CEO at Coinbase, to explore the evolution of crypto, institutional adoption, and the technologies shaping the next decade of finance.The conversation traces Coinbase’s journey from early conviction in digital assets to becoming one of the world’s largest regulated crypto exchanges. Keith explains how a compliance-first mindset, product innovation, and long-term strategic thinking have been central to building trust in an emerging asset class.As the discussion turns to market evolution, a key theme emerges: institutional adoption. From stablecoins to tokenised assets, Keith shares how traditional financial institutions are increasingly embracing crypto as new financial rails — unlocking faster, more efficient global transactions and entirely new business models.A major focus of the episode is scalability. Keith dives into Layer 2 solutions, including Base, and explains how these technologies are addressing blockchain limitations — enabling high-performance, low-cost infrastructure for developers, businesses, and the next generation of “crypto-native” applications.They also explore the UK market and regulatory landscape, highlighting the importance of trust, compliance, and collaboration with policymakers in scaling crypto responsibly. From embedded finance to AI integration and the convergence of crypto with traditional equities, the discussion offers a forward-looking view of financial services.Whether you’re a fintech founder, investor, or operator, this episode provides practical insight into how crypto is reshaping financial infrastructure — and what it takes to build at scale in a rapidly evolving ecosystem.📌 Topics covered:• Coinbase’s growth and key success factors• Institutional adoption of crypto and stablecoins• Layer 2 solutions and blockchain scalability (Base)• The UK regulatory landscape and building trust• Embedded finance and infrastructure growth• AI and digital currency integration• Future trends in finance and crypto markets• Advice for fintech founders building at scale🔗 Learn more:Tony Clark: https://www.linkedin.com/in/tclark100/Keith Grose: https://www.linkedin.com/in/keithgrose/ & https://x.com/kmgroseNextWave Consulting: www.nxwave.comCoinbase: https://www.coinbase.com/The Beginning of Infinity by David Deutsch: https://amzn.eu/d/04tOEa62There Are Rivers in the Sky by Elif Shafak: https://amzn.eu/d/0hGlwUGfThe Knowledge Project Podcast by Shane Parrish: https://www.youtube.com/@UCLtTf_uKt0Itd0NG7txrwXA Acquired Podcast: https://open.spotify.com/show/7Fj0XEuUQLUqoMZQdsLXqpGo Beyond the Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?c=cG9zdDo5OTI5NzY%3D&nav=aHViX3BhZ2U6MTA%3D&s=null#Crypto #Coinbase #Stablecoins #Layer2 #Fintech #InstitutionalAdoption #Blockchain #UKFintech #DigitalCurrency #financialinfrastructure #Web3 #Base #CryptoRegulation #AI #FutureOfFinance #LondonFintechPodcast
• Banking Transformation Summit 2026: How banks are turning AI into ROI 06.05.2026 57min

  Banking is changing fast, but what does real transformation actually look like inside today’s financial institutions?In this episode of the London Fintech Podcast, Tony Clark sits down with Mark Johnstone, Chief Strategy Officer at MoneyNext and Managing Director of the Banking Transformation Summit, to unpack how banks are navigating AI, modernisation, and the evolving competitive landscape.Mark shares insights from curating one of the most practitioner-led banking events in Europe, where the focus isn’t hype, but what’s actually working inside banks today. With 175+ institutions represented and a highly curated audience, the summit offers a unique lens into how senior leaders are tackling transformation at scale.The conversation explores how the industry has shifted from digital transformation to AI-driven execution, and why the real challenge is no longer technology, but adoption, governance, and human integration.They also dive into the biggest themes shaping banking right now: agentic AI, AI risk and regulation, embedded finance, and the surprising return of the human touch in financial services.Whether you’re a banker, fintech operator, or simply tracking the future of financial services, this episode offers a grounded, insider view of where the industry is heading next.📌 Topics covered• What makes Banking Transformation Summit different from other fintech events• Why banks are shifting from AI hype to real delivery and ROI• The rise of agentic AI and what it means for banking operations• AI governance, regulation, and the impact of the EU AI Act• Embedded finance and the battle for customer ownership• Why human interaction is making a comeback in digital banking• The real blockers to transformation: adoption vs technology• How banks are competing with AI-native fintech startups• Why smaller, curated events outperform large conferences🔗 Learn more:Tony Clark: https://www.linkedin.com/in/tclark100/Mark Johnstone: https://www.linkedin.com/in/majohnstone/NextWave Consulting: www.nxwave.comBanking Transformation Summit: https://bankingtransformationsummit.com/MoneyNext: https://uk.linkedin.com/company/moneynexttvGo Beyond the Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?c=cG9zdDo5OTI5NzY%3D&nav=aHViX3BhZ2U6MTA%3D&s=null#FinTech #Banking #AI #AgenticAI #DigitalTransformation #EmbeddedFinance #BankingTransformation #FinancialServices #Innovation #AIRegulation #OpenBanking #FintechEvents #LondonFintechPodcast
• AI, risk & reality: Inside modern lending decisions 21.04.2026 49min

  In this episode of the London Fintech Podcast, Tony Clark speaks with Christoph Rieche, CEO and Co-Founder of iwoca, about his transition from Goldman Sachs to building one of Europe’s leading SME lending platforms.“More than 80% of our customers receive instant credit decisions… and can draw funding the same day.”That capability sits at the heart of iwoca’s proposition — transforming SME lending from a slow, uncertain process into something fast, data-driven, and accessible. Christoph explains how API integrations and real-time data sharing allow businesses to move from application to funding in record time, unlocking opportunities that would otherwise be lost.Christoph shares how a desire to “build something with my own hands” led him into entrepreneurship, and how iwoca has grown into a data-driven lender helping small businesses access fast, flexible financing. From the early days to scaling through uncertainty, he reflects on the “roller coaster” of building a fintech business with real-world impact.The conversation dives deep into how AI and data science are transforming credit decisioning, enabling faster and more accurate lending decisions for underserved SMEs. Christoph explains iwoca's hybrid approach, combining machine learning with human judgment, and why this balance is critical in modern lending.They also explore the rise of embedded finance and API-driven lending, and how partnerships are reshaping distribution across digital platforms. With insights into post-pandemic market dynamics, geopolitical pressures, and funding strategies, this episode offers a comprehensive view of where SME financing is heading.Whether you’re a fintech founder, investor, or operator, this is a practical and insightful look at scaling a lending business in today’s environment.📌 Topics covered:• Christoph's journey from banking to fintech founder• Building iwoca and scaling an SME lending platform• AI and data science in credit decisioning• Embedded finance and API-led distribution models• Navigating COVID-19 and macroeconomic challenges• Growth strategies for SME lenders• The role of partnerships in fintech ecosystems🔗 Learn more:Tony Clark: https://www.linkedin.com/in/tclark100/Christoph Rieche: https://uk.linkedin.com/in/christophriecheNextWave Consulting: www.nxwave.comiwoca: www.iwoca.co.uk/1929: The Inside Story of The Greatest Crash in Wall Street History: https://amzn.eu/d/09UYVP9LGo Beyond the Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?c=cG9zdDo5OTI5NzY%3D&nav=aHViX3BhZ2U6MTA%3D&s=null#FinTech #SMELending #EmbeddedFinance #AI #DataScience #DigitalBanking #CreditDecisioning #UKSMEs #Startups #Entrepreneurship #BusinessGrowth #Lending #FinancialTechnology #APIs #LondonFintechPodcast
• The #1 mistake entrepreneurs make (and how to fix it) 08.04.2026 1h 4min

  Entrepreneurship offers endless opportunities, but the real challenge is knowing which ones to pursue.In this episode of the London Fintech Podcast, Tony Clark speaks with James Benham, CEO & Co-Founder at JBK & Terra and host of the InsurTech Geek Podcast, to reflect on a wide-ranging career spanning technology, insurance, and construction, and the hard-earned lessons that come with it.The conversation explores how procurement and RFP processes are increasingly incorporating supplier diversity, creating opportunities for smaller, specialist firms to compete alongside large consultancies. James shares how this shift is shaping vendor ecosystems and why there is a growing appetite for alternative providers.As the discussion turns to career reflections, a central theme emerges: focus. James highlights how early-stage entrepreneurs often spread themselves too thin across industries and opportunities, delaying true expertise and scale. He explains why learning to say “no”, and resisting the pull of “shiny objects”, is one of the most critical skills for long-term success.They also explore the realities of bootstrapping, the discipline it requires, and why building sustainably without external capital can create stronger, more resilient businesses.The episode closes with insights into continuous learning, from long-form business podcasts to classic management books, and why case-study-driven thinking remains one of the most effective ways to understand how great companies are built.Whether you’re an early-stage founder or an experienced operator, this episode offers practical lessons on focus, decision-making, and building with intention.📌 Topics covered:• How RFPs and supplier diversity are shaping fintech and consulting• Why smaller firms are gaining traction alongside large consultancies• The importance of focus in entrepreneurship• Learning to say no and avoid “shiny object” syndrome• Bootstrapping vs venture capital — building sustainable businesses• The role of continuous learning, podcasts, and business case studies🔗 Learn more:Tony Clark: https://www.linkedin.com/in/tclark100/James Benham: https://www.linkedin.com/in/jbenham/NextWave Consulting: www.nxwave.comInsurTech Geek Podcast: https://insurtechgeek.com/Acquired podcast: https://www.youtube.com/@AcquiredFMGood to Great by James Collins: https://amzn.eu/d/0f8rgsjxTraction by Gino Wickman: https://amzn.eu/d/02f4Mlb6Drive by Daniel H. Pink: https://amzn.eu/d/0j3bm6ZADavid and Goliath: Underdogs, Misfits and the Art of Battling Giants by Malcolm Gladwell: https://amzn.eu/d/0dYKZUSYGo Beyond the Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?c=cG9zdDo5OTI5NzY%3D&nav=aHViX3BhZ2U6MTA%3D&s=nul
• The Biggest Fintech Event of 2026: Money20/20 Europe | Special Preview 25.03.2026 41min

  Money20/20 has become one of the most important gatherings in global fintech — bringing together the leaders, innovators, and institutions shaping the future of financial services.In this episode of the London Fintech Podcast, Tony Clark speaks with Oliver Smith, Head of Content for Europe at Money20/20 Europe 2026, to explore what’s coming at this year’s flagship event.They discuss the scale and ambition of Money20/20 Europe, the key themes driving the agenda, and how the conference continues to reflect — and shape — the evolution of the fintech ecosystem. At the heart of the event are four major pillars: AI, rebundling of financial services, the evolving tech stack, and regulation. Oliver shares how these themes come together across stages, speakers, and sessions — and what attendees should focus on to get the most value from the experience.The conversation also looks ahead to emerging trends, including agentic finance, the growing role of AI across financial services, and how blockchain and digital assets continue to evolve within institutional markets.Whether you’re attending Money20/20 or following the direction of fintech more broadly, this episode is a useful guide to the ideas and conversations shaping the industry right now.📌 Topics covered• What to expect from Money20/20 Europe 2026• The four key themes: AI, rebundling, tech stack, and regulation• How to navigate the conference and maximise your time• The rise of agentic finance and AI-driven services• Blockchain, digital assets, and evolving market infrastructure• Why Money20/20 remains a central hub for fintech innovation🔗 Learn more:Tony Clark: https://www.linkedin.com/in/tclark100/Oliver Smith: https://www.linkedin.com/in/oliversmitheu/Money 20/20 Europe: https://europe.money2020.com/NextWave Consulting: www.nxwave.comThe MoneyPot Podcast: https://open.spotify.com/show/57KYwfMgZsVBIaxHcOCzebCareless People by Sarah Wynn-Williams: https://www.amazon.co.uk/Careless-People-explosive-memoir-doesnt/dp/1035065924Go Beyond the Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?c=cG9zdDo5OTI5NzY%3D&nav=aHViX3BhZ2U6MTA%3D&s=null#FinTech #Money2020 #AI #Blockchain #RegTech #FinCrime #DigitalAssets #FinancialServices #Innovation #LondonFintechPodcast
• Why privacy is the key to institutional blockchain: Inside the Canton Network 11.03.2026 53min

  Blockchain has been discussed for over a decade, but its real impact in institutional finance is only now beginning to take shape.In this episode of the London Fintech Podcast, Tony Clark speaks with Yuval Rooz, CEO of Digital Asset and Co-Founder of Canton, about how blockchain infrastructure is evolving to meet the needs of global capital markets.At the centre of the conversation is the Canton Network: a public, privacy-enabled blockchain designed to bring blockchain rails to financial markets at scale. Yuval explains how Canton is addressing one of the biggest barriers to institutional blockchain adoption: privacy and control over sensitive financial data, while still enabling interoperability across markets and participants.They discuss why traditional financial infrastructure struggles with fragmented data and settlement delays, how blockchain can confirm the validity of data across multiple institutions, and why tokenisation, stablecoins, and programmable assets could transform how markets operate.The conversation also explores the growing intersection between blockchain and AI, and why financial infrastructure needs to be prepared for a future where automated agents transact and make decisions at scale.📌 Topics covered• The 11-year journey building institutional blockchain infrastructure• Why privacy is critical for blockchain adoption in capital markets• How the Canton Network enables interoperability across financial institutions• The role of stablecoins in reducing settlement risk• Tokenisation and the representation of real-world assets on blockchain• Preparing financial systems for AI-driven transaction volumes• The future of crypto markets and financial infrastructure🔗 Learn more Tony Clark: https://www.linkedin.com/in/tclark100/The London Fintech Podcast: https://londonfintechpodcast.comYuval Rooz: https://www.linkedin.com/in/yuvalrooz/Digital Asset: https://www.digitalasset.com/Canton Network: https://www.canton.network/NextWave Consulting: www.nxwave.comWhat I Talk About When I Talk About Running by Haruki Murakami: https://www.amazon.co.uk/What-Talk-About-When-Running/Go Beyond the Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?c=cG9zdDo5OTI5NzY%3D&nav=aHViX3BhZ2U6MTA%3D&s=null#Blockchain #InstitutionalFinance #Toenization #Stablecoins #DigitalAssets #AI #FinancialInfrastructure #FinTech #CryptoInnovation #LondonFintechPodcast
• Decision intelligence in the AI era: How Quantexa turns data to decisions 25.02.2026 49min

  As AI accelerates across financial services, the real competitive advantage is no longer just analytics — it’s decision intelligence.In this episode of the London Fintech Podcast, Tony Clark is joined by Jamie Hutton, Chief Technology Officer of Quantexa, to explore how organisations are moving beyond dashboards and manual analysis toward context-driven, automated decision-making.Now celebrating its 10th anniversary, Quantexa is one of the UK’s standout post-pandemic unicorns, scaling globally with over $100m+ ARR and recognised as a leader in the Decision Intelligence category by Gartner.Jamie explains how Quantexa pioneered entity resolution and graph analytics to help organisations connect fragmented data, resolve real-world entities, and uncover patterns across risk, fraud, compliance, and growth. The conversation dives into why data quality and context are foundational for AI, how decision intelligence differs from traditional BI, and why siloed data continues to hold enterprises back.They also discuss Quantexa’s journey from a kitchen-table startup to working with 30 of the world’s top 50 banks, the trade-offs of building highly extensible enterprise software, and how the company is evolving its platform for faster deployment, lower TCO, and AI-native use cases — including agentic AI.If you’re thinking about AI adoption, enterprise data strategy, or how to turn information into action at scale, this episode is a must-watch.📌 Topics covered• What decision intelligence really means in the AI era• Entity resolution, graph analytics, and connecting siloed data• Why AI fails without trusted, contextual data• Fighting financial crime — and finding growth opportunities• Building enterprise-grade platforms from day one• From customisation to productisation at scale• Agentic AI, unstructured data, and what’s next for Quantexa🔗 Learn moreTony Clark: https://www.linkedin.com/in/tclark100/The London Fintech Podcast: https://londonfintechpodcast.comJamie Hutton: https://uk.linkedin.com/in/huttonjamieCheck out Quantexa’s website: https://www.quantexa.com/?utm_medium=partners&utm_source=london_fintech_podcastAccess a complimentary copy of the Gartner® Magic Quadrant™ for Decision Intelligence Platforms report: https://www.quantexa.com/resources/2026-gartner-magic-quadrant-for-decision-intelligence-platforms/?utm_medium=partners&utm_source=london_fintech_podcast&utm_campaign=701Nz00000jrM0YCheck out Quantexa's YouTube channel: https://www.youtube.com/@QuantexaNextWave Consulting: www.nxwave.comGo Beyond the Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?c=cG9zdDo5OTI5NzY%3D&nav=aHViX3BhZ2U6MTA%3D&s=nullThe Anxious Generation: https://www.amazon.co.uk/Anxious-Generation-Rewiring-Childhood-Epidemic-ebook/dp/B0CGWS3JQ6
• How real is quantum risk for crypto? 11.02.2026 48min

  While much of the financial world is racing to keep up with AI and the rapid institutionalisation of blockchain and crypto, another powerful technology has been quietly advancing in the background for decades — quantum computing.In this episode of the London Fintech Podcast, Tony Clark is joined by Christopher Jensen, Portfolio Manager & Director of Digital Asset Research at Franklin Templeton, to explore what quantum computing really is — and why it could have profound implications for digital assets, cryptography, and financial infrastructure.Franklin Templeton, one of the world’s most innovative asset managers with over $1 trillion in AUM, recently published a paper titled Digital Asset Security in the Quantum Era. Chris joins the podcast to unpack the research, explain the real risks quantum computing poses to today’s encryption standards, and outline how the industry can prepare for a post-quantum world.They discuss why Bitcoin’s quantum risk is concentrated in legacy address formats, how crypto-agility will create a new trust premium for assets and custodians, and why blockchain governance — not panic — is the key to navigating this transition. The conversation also explores smart contracts, post-quantum upgrades, and why the biggest systemic risk may be “harvest now, decrypt later.”The episode looks at how major financial institutions are already testing quantum-resistant approaches, why this shift may be comparable to Y2K or IPv6, and how the intersection of AI and quantum computing could accelerate change across financial markets faster than many expect.Whether you’re an investor, technologist, or finance leader, this episode offers a grounded, practical view of one of the most important — and least understood — risks facing digital finance.📌 Topics covered• What quantum computing is and why it matters for finance• How quantum machines threaten current cryptography• Bitcoin’s exposure via legacy address formats• Post-quantum cryptography and crypto-agility• Blockchain governance and upgrade coordination• Smart contracts and post-quantum migration• “Harvest now, decrypt later” risks• Institutional readiness and custody implications• AI, quantum, and the future of financial infrastructure• What investors should consider over the next 5–15 years🔗 Learn moreTony Clark: https://www.linkedin.com/in/tclark100/The London Fintech Podcast: https://londonfintechpodcast.comChristopher Jensen: https://www.linkedin.com/in/christopherjensen2001/Franklin Templeton: https://www.linkedin.com/company/franklin-templeton/Franklin Templeton Digital Assets Insightshttps://www.franklintempleton.com/insights/disruptive-technology/digital-assetsFranklin Templeton Digital Assets on Xhttps://x.com/FTDA_USDigital Asset Security in the Quantum Era: https://franklintempletonprod.widen.net/s/zqcgfsrm8f/insight-article-digital-asset-security-in-the-quantum-era-dasqe-fl
• Inside the modern CFO’s office: Turning data into decisive action 28.01.2026 44min

  🎙️ In this episode of the London Fintech Podcast, Tony Clark speaks with Søren Westh Lonning, CFO of Pleo, about how finance leaders are navigating an era of growing complexity, higher expectations, and mounting pressure — and why too many organisations are still making decisions based on hindsight rather than foresight.Søren shares Pleo’s growth journey, scaling from €65m to €165m in ARR in just three years, and explains how the company has evolved from a simple expense management tool into a comprehensive spend and cash management platform designed to support real-time, confident decision-making across finance teams.Drawing on insights from Pleo’s Decision-Making Report, the conversation explores a stark reality facing finance leaders today: 58% of financial decision-makers — and 65% of CFOs — are making more high-level decisions than ever before, yet confidence remains low. Nearly half have experienced decision-freeze, and 41% of decisions are made without full confidence, often due to fragmented systems and a lack of contextual, real-time data.Tony and Søren unpack what’s driving this — from rising geopolitical and economic pressures to greater business ambition — and discuss how modern finance teams can rethink strategy to stay effective. Central to this shift is enabling teams to move from hindsight to foresight, using real-time visibility, analytics, automation, and AI to guide decisions before opportunities are missed.The episode also dives into how Pleo helps finance teams build trust across the business, forge stronger data-driven partnerships, invest more intelligently, and ensure cash works harder through smarter optimisation. Søren reflects on maintaining culture during rapid scale, the role of strategic partnerships, and practical advice for FinTech founders looking to achieve lasting product-market fit.📌 Topics Covered• Why CFOs are under more pressure — and less confident — than ever• Insights from Pleo’s Decision-Making Report• The cost of decision-freeze and fragmented financial data• Moving finance teams from hindsight to foresight• Real-time visibility, analytics, and AI in modern finance• Scaling from expense management to full spend & cash management• Maintaining culture and trust during rapid growth• Strategic partnerships and the future roadmap for Pleo🔗 Learn More:Tony Clark: linkedin.com/in/tclark100The London Fintech Podcast: https://londonfintechpodcast.comPleo: https://www.pleo.io/enSøren Westh Lonning: https://www.linkedin.com/in/s%C3%B8ren-westh-lonning/Pleo Decision-Making Report 2025: https://content.pleo.io/en/decisions-report-2025Explore Pleo Embedded Finance: https://embedded.pleo.io/news/pleo-embedded-official-launchPleo Cash Management Suite: https://www.pleo.io/en/cash-managementNextWave Consulting: https://www.nxwave.com/Go Beyond The Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?c=cG9zdDo5OTI5NzY%3D&nav=aHViX3BhZ2U6MTA%3D&s=nullOn My Watch: Leading NATO in a Time of War: https://www.amazon.co.uk/My-Watch-Leading-NATO-Time/dp/0008708746How Big Things Get Done: https://www.amazon.co.uk/How-Big-Things-Get-Done/dp/1035018950/
• The real-time CFO: How data Is transforming decision-making 14.01.2026 47min

  In this episode of the London Fintech Podcast, Tony Clark sits down with Susanne Chishti to explore the growing pressure on CFOs operating in today’s increasingly complex financial environment, from geopolitical shocks to shrinking margins and fragmented data systems.This conversation is created in collaboration with Pleo, and highlights their work in modernising the CFO’s office through real-time visibility, automated treasury workflows, and embedded finance capabilities that unify spend across the business.Tony and Susanne dive deep into findings from Pleo’s Decision-Making Report 2025, including:💡 Over 50% of UK decision-makers experience “decision freeze” due to a lack of real-time data💡 Finance teams spend 26+ hours per week on manual treasury tasks💡 Many organisations still make decisions based on “feeling” rather than evidence💡 Fragmented systems slow down business agility and innovationThey also unpack how tools such as Pleo Embedded (their new embedded finance solution) and the Cash Management Suite are helping CFOs automate treasury operations, consolidate financial data, and accelerate decision-making with greater clarity and control.Whether you're a CFO, operator, finance leader, or founder, this episode offers practical insights into the future of financial decision-making — and why integrated tooling is now essential rather than optional.🔗 Learn More:Tony Clark: linkedin.com/in/tclark100The London Fintech Podcast: https://londonfintechpodcast.comPleo: https://www.pleo.io/enSusanne Chishti: https://www.linkedin.com/in/susannechishti/Pleo Decision-Making Report 2025: https://content.pleo.io/en/decisions-report-2025Explore Pleo Embedded Finance: https://embedded.pleo.io/news/pleo-embedded-official-launchPleo Cash Management Suite: https://www.pleo.io/en/cash-managementNextWave Consulting: https://www.nxwave.com/Go Beyond The Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?c=cG9zdDo5OTI5NzY%3D&nav=aHViX3BhZ2U6MTA%3D&s=null"From Good to Great" by Jim Collins: https://www.amazon.co.uk/Good-Great-Companies-published-HarperBusiness/dp/B00E327SVA/ref=asc_df_B00E327SVA?mcid=ff85ddadb41e3021bd513644d3a153d5&tag=googshopuk-21&linkCode=df0&hvadid=781457465012&hvpos=&hvnetw=g&hvrand=6936681774339943281&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9045984&hvtargid=pla-2444989498790&psc=1&hvocijid=6936681774339943281-B00E327SVA-&hvexpln=0&gad_source=1
• The rise of institutional onchain finance 31.12.2025 38min

  🎙️ In this episode of the London Fintech Podcast, Tony Clark sits down with Sid Powell, CEO of Maple Finance, to explore the rapid rise of onchain finance and what it means for the future of institutional lending, asset management, and global financial markets.Sid explains how Maple is building institutional-grade borrowing and lending natively onchain, taking a different path from traditional finance players that rely on legacy rails. By using stablecoins, Bitcoin, and decentralized finance protocols, Maple is working to make lending faster, cheaper, more transparent, and more efficient—all while maintaining a rigorous focus on risk management.With over $4 billion in assets under management, Maple has emerged as a key player in crypto-native credit markets, partnering with institutions such as Cantor Fitzgerald, Bitwise, family offices, prime brokers, exchanges, trading firms, and Bitcoin miners. Sid outlines how BTC-backed loans, stablecoin-based lending, and DeFi integration are reshaping capital markets at scale.The conversation also dives into the regulatory outlook for the year ahead, including the implications of the GENIUS Act, the likely passage of the Clarity Act, and how improved regulation could unlock new use cases such as Bitcoin-backed mortgages. Sid shares his views on Bitcoin’s long-term trajectory, the current macro environment, and why stablecoin adoption is accelerating through banks, fintechs, and global payment providers.Tony and Sid also discuss Maple’s expansion across Ethereum, Solana, Arbitrum, and other blockchains, the role of products like syrupUSDC in creating liquid, yield-bearing assets for DeFi, and how AI is increasingly being used to improve risk management in onchain asset management.📌 Topics covered:•The explosive growth of onchain finance• Institutional crypto lending vs traditional financial rails• Stablecoins, BTC-backed loans, and DeFi credit markets• Maple’s $4B+ AUM growth and institutional partnerships• Risk management in crypto-native lending• GENIUS Act, Clarity Act, and regulatory clarity• Cross-chain DeFi infrastructure (Ethereum, Solana, Arbitrum)• Yield-bearing stablecoins and onchain composability• Bitcoin market outlook and macro trends• The future of AI in onchain asset managementWhether you’re tracking institutional crypto adoption, stablecoin innovation, or the future of lending on blockchain rails, this episode offers a deep dive into where digital finance is heading next.🔗Learn more:Tony Clark: https://www.linkedin.com/in/tclark100/The London Fintech Podcast: https://londonfintechpodcast.com/Sid Powell: https://www.linkedin.com/in/sidneypowell/Maple Finance: https://maple.finance/Go Beyond The Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?nav=aHViX3BhZ2U6NTY%3D&c=cG9zdDo5OTMzNTQ%3DAugustus: The Life of Rome's First Emperor: https://www.amazon.co.uk/Augustus-Life-Romes-First-Emperor/dp/0812970586/ref=asc_df_0812970586?mcid=33b3cd8f94e23fceb665d3018d99fb8d&th=1&psc=1&tag=googshopuk-21&linkCode=df0&hvadid=696450770399&hvpos=&hvnetw=g&hvrand=15772828612049184534&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9045984&hvtargid=pla-417307122658&psc=1&hvocijid=15772828612049184534-0812970586-&hvexpln=0&gad_source=1Founders Podcast: https://open.spotify.com/show/7txiovdzPARhjm18NwMUYj?trackId=21yPPGH9UO7nu1Vc0P6Y1l
• Lifetime financial planning in the digital age 17.12.2025 51min

  🎙️ In this episode, Tony sits down with Richard Squire, founder of My Finance Future, to explore how his FinTech startup is reshaping the way people plan their financial lives—not just for today, but for the decades ahead.Richard shares his journey from a successful career in management consulting to building a platform designed to help individuals truly understand their long-term financial position. He explains why so many people begin planning too late, and how My Finance Future aims to solve this by giving users a clear, comprehensive view of their financial future before they make life-changing decisions.They discuss the complexities behind building a complete lifetime financial planning tool, the importance of earning user trust in financial services, and the collaborative effort required to bring a robust MVP to market. Richard also dives into the strategies behind reaching the right audience—from social media to influencer partnerships—and what it takes to stand out in a crowded FinTech landscape.Looking ahead, Tony and Richard explore the next phase for My Finance Future, including new capabilities, expanded reach, and the broader mission of empowering individuals to take control of their financial journey.📌 Topics Covered• Richard Squire’s transition from consulting to FinTech• Why lifetime financial planning matters• Understanding your financial situation before major decisions• Why many people start planning too late• Building a comprehensive, all-in-one financial plan• Trust as a cornerstone of financial services• Collaboration & teamwork in early-stage startups• Marketing via social media and influencers• My Finance Future’s MVP and long-term roadmap• Expanding the platform’s capabilities & audience🔗 Learn MoreTony Clark: https://www.linkedin.com/in/tclark100/The London Fintech Podcast: https://londonfintechpodcast.com/Richard Squire: https://www.linkedin.com/in/richardsquire/MyFinanceFuture: https://myfinancefuture.com/Go Beyond The Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?nav=aHViX3BhZ2U6NTY%3D&c=cG9zdDo5OTMzNTQ%3D
• How Bahrain built a thriving fintech ecosystem 03.12.2025 48min

  🎙️ In this episode of the London Fintech Podcast, Tony Clark sits down with Dalal Buhejji to explore how Bahrain is fast becoming one of the most dynamic fintech hubs in the Middle East.Dalal unpacks Bahrain’s rich legacy in financial services, now the largest contributor to its economy, surpassing oil and gas. She shares how the Bahrain Economic Development Board (EDB) supports global and local fintechs entering the market—providing investment facilitation, guidance, and an environment designed for innovation.They discuss Bahrain’s unique regulatory model featuring a single financial regulator, which simplifies market entry and has been instrumental in developing a thriving fintech ecosystem. Dalal also highlights the success of the country’s regulatory sandbox, which has produced major fintech players and spurred new models in payments, digital banking, and beyond.A core focus of Bahrain’s strategy is talent development, with initiatives to upskill Bahrainis in technology and financial services. Combined with its strategic location, the country offers unrivalled access to the GCC and wider MENA region—positioning Bahrain as a launchpad for global expansion.Looking ahead, Dalal and Tony explore emerging trends shaping Bahrain’s financial future, from AI and digital banking to deeper collaboration across the region.📌 Topics Covered• Bahrain’s evolution into a fintech hub• How the Bahrain EDB supports global fintechs• Single-regulator advantage• Success of Bahrain’s regulatory sandbox• Local talent development & upskilling• Strategic access to GCC & MENA markets• Economic diversification beyond oil• Innovation in payments & digital banking• AI adoption in financial services• What’s next for Bahrain’s fintech ecosystem🔗 Learn MoreTony Clark: https://www.linkedin.com/in/tclark100/The London Fintech Podcast: https://londonfintechpodcast.com/Dalal Buhejji: https://www.linkedin.com/in/dbuhejji/Bahrain Economic Development Board (EDB): https://www.bahrainedb.com/Go Beyond The Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?nav=aHViX3BhZ2U6NTY%3D&c=cG9zdDo5OTMzNTQ%3D
• Inside the institutional blockchain revolution 19.11.2025 46min

  In this episode of the London Fintech Podcast, Tony Clark sits down with Ben Brophy, Head of Institutional Growth, Europe at the Solana Foundation, to explore how the world’s fastest and most actively used blockchain is shaping the next generation of financial infrastructure.Ben shares his journey from traditional finance—spanning roles at NatWest and Fidelity International—to leading Solana’s institutional adoption across Europe. They dive into how Solana’s high-performance, single-layer network is driving on-chain innovation at scale, and what it means for banks, asset managers, and payment providers now entering the blockchain era.The conversation covers the institutional shift from private to public blockchains, the rise of tokenisation, the integration of on-chain solutions with treasury operations, and Solana’s vision to become “Nasdaq on the Internet.” Ben also unpacks Solana’s collaboration with R3, the regulatory evolution enabling public deployments, and the $2.5 billion DeFi capital request that’s opening new pathways between traditional finance and crypto-native ecosystems.📌 Topics covered:• How Solana became the world’s fastest and most adopted blockchain• The evolution of institutional blockchain adoption• Public vs. private networks—and why the shift matters now• Tokenisation, stablecoins, and yield-generating assets on-chain• The future of programmable compliance and transparent governance• R3 x Solana: bridging TradFi and DeFi• Why we’ve passed the tipping point for on-chain financeTune in to hear how Solana is redefining performance, trust, and innovation in blockchain—and why the next wave of institutional finance will be built on-chain.🔗 Learn More:Tony Clark: linkedin.com/in/tclark100The London Fintech Podcast: https://londonfintechpodcast.comSolana Foundation: https://solana.com/ &. https://x.com/solana?ref_src=twsrc%5Egoogle%7Ctwcamp%5Eserp%7Ctwgr%5EauthorBen Brophy: linkedin.com/in/benbrophyNextWave Consulting: https://www.nxwave.com/Go Beyond The Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?c=cG9zdDo5OTI5NzY%3D&nav=aHViX3BhZ2U6MTA%3D&s=nullThe Fourth Turning Is Here by Neil Howe: https://www.amazon.co.uk/Fourth-Turning-Here-Seasons-History/dp/1982173734/ref=sr_1_1?crid=2JGUG3UZKXC5Y&dib=eyJ2IjoiMSJ9.UnHitIUegc8AC05jF0ZWTZMwWgbhD9RWG1GpDfRjCDvGjHj071QN20LucGBJIEps.F2PF1-CK0Cy5SS6yy83q5mKyUWCdfZ4L4QY58AN2GWo&dib_tag=se&keywords=the+Fourth+Turning+Is+Here+by+Neil+Howe&qid=1760691367&sprefix=the+fourth+turning+is+here+by+neil+howe%2Caps%2C150&sr=8-1
• From data to decision: The future of AI and automation in Financial Services 05.11.2025 58min

  🎙️ In this episode of the London Fintech Podcast, Tony Clark sits down with Andy MacMillan, CEO of Alteryx, to explore how data, automation, and AI are reshaping the future of financial services.With a background in enterprise software and data management, Andy shares how Alteryx has evolved into a leading platform helping organisations operationalise AI—turning raw data into actionable insight. The conversation dives into what it takes to build trust in AI-driven systems, how financial institutions are integrating automation into both customer-facing and internal workflows, and why predictability and governance are critical to success.They also discuss Alteryx’s role as a data clearinghouse for AI applications, the importance of customer feedback in shaping innovation, and how the real promise of AI lies not in hype—but in solving practical business challenges.📌 Topics covered:• Data as the fuel powering the AI revolution• How Alteryx enables end-to-end AI adoption• Building trust and predictability in AI processes• The evolution of data management in financial services• Using AI to enhance customer experience and operations• The intersection of automation and human expertise• The customer-led approach driving Alteryx’s innovation• The future of AI: from experimentation to operational excellenceTune in to hear how Andy MacMillan and Alteryx are helping financial institutions turn data into their most strategic asset—and what it takes to bring AI to life responsibly.🔗 Learn more:Tony Clark: https://www.linkedin.com/in/tclark100/The London Fintech Podcast: https://londonfintechpodcast.comAndy MacMillan: https://www.linkedin.com/in/apmacmillan/Alteryx: https://www.alteryx.comGo Beyond The Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?nav=aHViX3BhZ2U6NTY%3D&c=cG9zdDo5OTMzNTQ%3DOn the Calculation of Volume 1" by Solvej Balle: https://www.amazon.co.uk/Calculation-I-Solvej-Balle/dp/0571383378
• AI, embedded finance & the UK fintech ecosystem 22.10.2025 41min

  🎙️ In this episode of the London Fintech Podcast, Tony Clark speaks with Symmie Swil, UK General Manager of Upvest, about the company’s role in financial technology and investment infrastructure.Symmie shares her career journey, the development of Upvest, and how embedded finance is being integrated into modern financial services. The conversation covers financial literacy, the use of AI in financial operations, and the supportive environment for fintech innovation in the UK.📌 Topics covered:• The growth of embedded finance in financial services• Symmie’s career path and leadership insights• The role of AI in financial operations• Financial literacy and education initiatives• UK fintech ecosystem and regulatory environment• Building culture and collaboration at Upvest🔗 Learn More:Tony Clark: https://www.linkedin.com/in/tclark100/The London Fintech Podcast: https://londonfintechpodcast.comSymmie Swil: https://www.linkedin.com/in/symmie/Upvest: https://upvest.co/Go Beyond The Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?nav=aHViX3BhZ2U6NTY%3D&c=cG9zdDo5OTMzNTQ%3DCautionary Tales podcast: https://open.spotify.com/show/2yPlb6ynbhTJbziSIcykQdHidden Brain podcast: https://www.hiddenbrain.org/Crossing the Chasm (book): https://www.amazon.co.uk/Crossing-Chasm-3rd-Disruptive-Mainstream/dp/0062292986
• "Governing the Machine": Responsible AI in financial services 08.10.2025 48min

  🎙️ In this episode of the London Fintech Podcast, Tony Clark speaks with Dr. Paul Dongha, Head of Responsible AI & AI Strategy at NatWest Group, about the importance of AI governance in financial services.With decades of experience in AI—from his early PhD research on autonomous agents to leading responsible AI initiatives at major banks—Paul brings both technical depth and practical expertise to the conversation. He shares insights from his new book "Governing the Machine", co-authored with leading global AI advisors Ray Eitel-Porter and Miriam Voge, and promoted by figures such as Andrew Ng, Reid Hoffman, and the CEO of IBM.They discuss the nine key risk areas of AI—including bias, privacy, security, and hallucinations—the role of regulation such as the EU AI Act, and why effective governance must be an organisation-wide effort led from the boardroom. Paul also explains how firms can implement practical frameworks, governance forums, and training to safely unlock AI’s potential while staying compliant and ethical."Governing the Machine" will launch on October 23rd and is available for pre-order now: https://amzn.eu/d/9PSBRAtPaul shares perspectives from his career in AI research and strategy, including risk areas such as bias, privacy, security, and hallucinations. The discussion explores regulatory frameworks like the EU AI Act, organisational approaches to responsible AI, and practical tools that firms can use to manage AI adoption effectively.📌 Topics covered:• Why responsible AI is critical for financial services• The nine biggest risk areas for AI adoption• Bias, fairness, and how to mitigate them in practice• Privacy, security, and the risks of prompt hacking• Hallucinations and why they can’t be “designed away”• Regulation: EU AI Act, NIST framework, and global standards• The rise of Chief AI Officers and responsible AI roles• How to build governance forums, ethics boards, and AI inventories• Tools, platforms, and GRC systems for managing AI at scale• Key takeaways from Governing the Machine📌 Key takeaway: AI governance isn’t about slowing innovation—it’s about building the guardrails that make responsible, scalable innovation possible.------------------------------------------------------------------------------------📚 I would be delighted to welcome you to one of our launch events, where you can purchase a signed copy of the book. 7.30pm on Tuesday, 21st October in Jesus College, Cambridge, CB5 8BL. RSVP: https://bit.ly/3VD65EV (select “Reserved tickets” – you are a VIP!)You will need a ticket to gain entry, so you must RSVP. OR 6pm on Wednesday, 22nd October at NatWest Bank, 250 Bishopsgate, London, EC2M 4AA.RSVP: https://bit.ly/3IuBiaqYou will need a QR code to gain entry, so you must RSVP.------------------------------------------------------------------------------------🔗 Learn More:Tony Clark: https://www.linkedin.com/in/tclark100/The London Fintech Podcast: https://londonfintechpodcast.com/podcasts/Paul Dongha: https://www.linkedin.com/in/paul-dongha/Governing the Machine (pre-order link): https://amzn.eu/d/9PSBRAtNextWave Consulting: https://www.nxwave.com/Coming Up Short: A Memoir of My America: https://www.amazon.co.uk/Coming-Up-Short-Memoir-America/dp/0593803280Go Beyond The Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?c=cG9zdDo5OTI5NzY%3D&nav=aHViX3BhZ2U6MTA%3D&s=null
• Fintech in Europe: AI, regulation & emerging hubs 24.09.2025 53min

  🎙️ In this episode of the London Fintech Podcast, Tony Clark speaks with Mike Brennan of Finch Capital and AI innovator Parsa Ghaffari about the evolution of fintech in Europe and the impact of AI on financial services.They discuss the development of new fintech hubs, the integration of AI across business functions, and how regulation and technology are shaping operating models.The conversation also explores the concept of “peak engineering” and what it could mean for the next phase of digital transformation in finance.📌 Topics covered:The changing fintech landscape in Europe AI applications in financial servicesEmerging fintech hubs across the regionRegulation and its role in shaping adoptionThe idea of “peak engineering” in technologyAI integration into business workflowsIndustry perspectives on digital transformation🔗 Learn More:Tony Clark: https://www.linkedin.com/in/tclark100/The London Fintech Podcast: https://londonfintechpodcast.comParsa Ghaffari: https://www.linkedin.com/in/parsa-ghaffari-a7300a24/Mike Brennan: https://www.linkedin.com/in/mikebrennan/Finch Capital: https://finchcapital.com/NextWave Consulting: https://www.nxwave.com/The State of European Fintech: https://finchcapital.com/research-reports/State_of_European_Fintech_2025_All.pdGo Beyond The Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?nav=aHViX3BhZ2U6NTY%3D&c=cG9zdDo5OTMzNTQ%3D
• Money20/20: On stage with global fintech leaders 11.09.2025 57min

  🎙️ In this episode of the London Fintech Podcast, Tony Clark speaks with Scarlett Sieber, Chief Strategy & Growth Officer at Money20/20, about the role of global industry gatherings in financial services.Scarlett discusses her career journey from banking innovation to leading strategy at Money20/20, and shares perspectives on collaboration across the sector. The conversation covers the return of in-person events, trends in AI and fraud prevention, blockchain use cases, and the influence of technology companies on finance.📌 Topics covered:• Industry collaboration through fintech conferences• Scarlett’s background in banking and fintech innovation• In-person networking and events post-COVID• AI, fraud detection, and operational priorities• Blockchain adoption in financial services• The role of large technology firms in finance• Global fintech trends and regional perspectives🔗 Learn More:Tony Clark: https://www.linkedin.com/in/tclark100/The London Fintech Podcast: https://londonfintechpodcast.comScarlett Sieber: https://www.linkedin.com/in/scarlettsieber/Money20/20: https://www.money2020.com/NextWave Consulting: https://www.nxwave.com/Go Beyond The Podcast: https://resources.nxwave.com/hub/london-fintech-podcast?nav=aHViX3BhZ2U6NTY%3D&c=cG9zdDo5OTMzNTQ%3DTaking Stock: https://tv.nyse.com/taking-stock-2