Shows
Dave and Dharm DeMystifyEP 130: DEMYSTIFYING THE FINTECH HUB OF LITHUANIA WITH GRETA RANONYTEIn this episode, Dharmesh sits down with Greta Ranonytė, Head of FinTech Hub LT, to explore what is driving Lithuania’s rise as a leading FinTech destination. Greta outlines the country’s key advantages, from seamless access to the EU market post-Brexit and progressive, FinTech friendly regulation, to a deep talent pool, especially in compliance and anti-money laundering.
They delve into the evolving role of AI in FinTech, recognising its value in streamlining operations, though noting it remains a supporting tool rather than a central focus for most firms. Greta also compares Lithuania’s competitive edge to other European FinTech hubs su...2025-04-1731 min
Dave and Dharm DeMystifyEP 129: DEMYSTIFYING THE FINTECH STREAM OF INVEST LITHUANIA WITH AGNE KLIMAVICIENEIn this episode, Dharmesh speaks with Agnė Klimavičienė, who leads the FinTech stream at Invest Lithuania—a governmental agency under the Ministry of Economy and Innovation focused on attracting foreign investment.
Agnė outlines the strategic measures Lithuania has implemented to nurture its FinTech sector, including supportive regulation, targeted talent development, and financial incentives such as zero capital gains tax for founders and research and development grants.
The conversation highlights Lithuania’s competitive edge as an agile, technology-driven economy, particularly in comparison with other European markets. They also explore the country’s future ambitions, including the integration of artificial intelligence across fin...2025-04-1519 min
Dave and Dharm DeMystifyEP 128: DEMYSTIFYING QUANTUM TECHNOLOGY WITH QUSIDE'S STEVE TAKHARDave and Dharm dive deep into the fascinating world of quantum technology with special guest Steve Takhar, Quside's Chief Revenue Officer.
Steve brings a wealth of experience from traditional IT infrastructure, and in this episode, he shares his journey into the quantum realm. He demystifys Quside’s mission—a company that has been pioneering quantum photonic chipsets since 2018. These cutting-edge technologies generate quantum entropy and quantum random numbers (QRNGs), boosting cybersecurity and compute acceleration without the need for a full system overhaul.
But that’s just the beginning. Steve breaks down how Quside is shaping the future of quantum computing, the co...2025-03-2731 min
Dave and Dharm DeMystifyEP 127: DEMYSTIFYING THE CURRENT STATE OF AI WITH DR CHARLEYNE BIONDI OF MOODY'SWelcome to another insightful episode of the Dave and Dharm Demystify podcast. In this week, Dave and Dharm take an in depth look into the rapidly evolving world of Artificial Intelligence with expert guest, Dr. Charleyne Biondi from Moody’s, who specialises in blockchain and AI developments.
Dr Biondi shares invaluable insights from Moody’s recent 2025 AI Outlook report, highlighting how AI is no longer just about enhancing productivity—it's now a critical strategic measure shaping the future competitiveness of companies and governments worldwide.
From discussing global regulatory fragmentation and the astonishing pace of AI innovation, to the geopolitical implications of Chi...2025-03-2750 min
Dave and Dharm DeMystifyEP 126: DEMYSTIFYING QUANTUM COMPUTING HARDWARE WITH YUVAL BOGER OF QuERA COMPUTERSWelcome to another deep dive into the world of quantum computing! In this episode, Dave sits down with Yuval Boger, Chief Commercial Officer of QuEra Computing, to explore quantum technology's fundamentals, breakthroughs, and real-world applications.
Yuval demystifies the core principles of quantum computers—how qubits exist in multiple states simultaneously, unlocking computational advantages that classical computers simply can’t match. He explains the different approaches to quantum computing, with a focus on Quera’s cutting-edge use of neutral atoms and laser tweezers to manipulate rubidium atoms for advanced computations.
The conversation delves into how quantum computing is set to revolutionise indust...2025-03-1836 min
Dave and Dharm DeMystifyEP 125: BEYOND RESILIENCE WITH LEDA GLYPTISIn this episode we are joined by the brilliant and always insightful Leda Glyptis. Leda is celebrating the launch of her latest book, Beyond Resilience, and we’re diving deep into the ideas behind it.
From the staggering failure rates of digital ventures to the patterns of success that go beyond sheer resilience, Leda shares her journey of researching and interviewing industry leaders to uncover what truly makes businesses thrive.
We explore the importance of intentionality, the hidden costs of success, and why taking time to think—despite the relentless pace of fintech and digital transformation—is more critical than ever...2025-03-0431 min
Dave and Dharm DeMystifyEP 124: DEMYSTIFYING NATWEST BOXED'S PARTNERSHIP WITH THE AA WITH ANDY ELLISIn this episode, we demystify one of the biggest embedded finance deals in the UK! We sit down with Andy Ellis, CEO of NatWest Boxed, to explore its groundbreaking partnership with the AA, one of the country's most trusted brands.
This strategic collaboration is set to revolutionise how financial services are embedded within everyday journeys, making banking and insurance seamless for millions of AA members. Andy shares insider insights on what makes this partnership unique, the challenges of embedding financial products, and how this signals a significant shift in the industry.
We also discuss:
> How embedded finance is redefining customer...2025-02-2828 min
Dave and Dharm DeMystifyEP 123: DEMYSTIFYING CREDIT SCORING WITH TOM EYRE CO-CEO OF LOQBOXIn this episode, Dave and Dharm sit down with Tom Eyre, Co-CEO and Co-Founder of Loqbox, a company on a mission to improve financial wellbeing through credit building and education.
Since launching in 2017, Loqbox has helped over 1,000,000 individuals build credit histories and financial resilience. Tom takes us behind the scenes, sharing the inspiration behind Loqbox—born from personal experiences with credit challenges—and its evolution from Credit Improver to a financial lifeline for thousands.
Tom demystifies the complexities of credit scoring, the impact of modern financial trends like Buy Now Pay Later, and how Loqbox is bridging the gap between perc...2025-02-2731 min
Dave and Dharm DeMystifyEP 122: DEMYSTIFYING VENTURE CAPITAL IN THE MENA REGION WITH KHALED TALHOUNI OF NUWA CAPITALIn this episode, we welcome Khaled Talhouni, Managing Partner, Nuwa Capital, who shares insights into his 17-year journey as a venture capitalist focusing on emerging markets, particularly in the Middle East. Khalid discusses the establishment of Nuwa Capital in 2021, its $100 million early-stage fund, and its significant investment in FinTech, which accounts for 30% of their portfolio.
Khaled explains the unbanked nature of the region and the opportunities for parallel financial systems and showcases successful investments like the BNPL company Tabby.
He demystifies Nuwa Capital's themes, including solving big problems like invoice ageing and consumer credit access.
Khalid also touches upon the...2025-02-1733 min
Dave and Dharm DeMystifyEP 121: DEMYSTIFYING QUANTUM IN 2025 AND QUANTUM INDEX WITH STEVE SUAREZWelcome to the latest episode of the Dave and Dharm Demystified Podcast, where we dive deep into the world of innovation and emerging technologies.
Today, we’re thrilled to be joined by Steve Suarez, CEO of Horizon X and former Head of Innovation at HSBC, who is helping shape the future of quantum computing in financial services.
Steve brings unparalleled insight into the transformative power of quantum, sharing his work on cutting-edge initiatives like The Quantum Innovation Index, which ranks industries and institutions on their quantum readiness, and his collaboration with MIT on accessible quantum courses for business leaders.
In th...2025-02-0430 min
Dave and Dharm DeMystifyEP 119: DEMYSTIFYING DORA WITH SIMON PHILLIPS (SECUREACK) AND ALEX TASIOULIS (CLOUDIFIED.IO)In this episode, we demystify the Digital Operational Resilience Act (DORA) and explore why it matters for financial institutions.
Joining us are cybersecurity and cloud experts Simon Phillips (CTO, SecureAck) and Alex Tasioulis (Cloudified.io), who shed light on the regulation’s core requirements and practical implications.
Key insights from our discussion include:
> What DORA really entails for banks and fintechs ahead of the January 2025 deadline
> Why references to “reasonable” controls can create ambiguity—and the challenges this poses
> How the regulation impacts far more than just banks, extending throughout the entire digital supply chain
> Real-world examples of why digital resilien...2025-01-0328 min
Dave and Dharm DeMystifyEP 118: DEMYSTIFYING THE EVOLUTION OF MONUMENT FROM BANK TO TECH LEADER WITH STEVE BRITAINIn this episode, we revisit Monument Bank's journey and uncover a significant transformation.
Joined by Steve Britain, CEO of Monument Technology, we explore the split between Monument Bank and its new tech-focused sibling, Monument Technology.
Steve shares insights into how Monument Bank's cutting-edge, cloud-native platform, a system designed specifically for the cloud, powers the bank and attracts interest from global institutions seeking to modernise their operations.
We discuss:
> The bank's rapid growth and its innovative focus on the mass-affluent market.
> The creation of Monument Technology as a standalone company and its first client, Ecology Building Society.
> Why flexibility, modularity, and...2024-12-1726 min
Dave and Dharm DeMystifyEP 117: DEMYSTIFYING MASTERCARD'S QUANTUM STRATEGY WITH STEVE FLINTERIn this episode, Dave and Dharm sit down with Steve Flinter, Distinguished Engineer at Mastercard, to demystify the company's innovative work and perspectives on quantum computing.
Mastercard has been at the forefront of quantum exploration, investigating how this groundbreaking technology can tackle complex challenges more efficiently than classical computing. From optimising machine learning models to enhancing fraud detection and loyalty programs, the company is partnering with leaders like D-Wave to unlock quantum's potential.
The discussion delves into the profound implications of quantum computing on security and cryptography, focusing on the looming 'Q Day'—the point when quantum computers could disrupt cu...2024-12-1033 min
Dave and Dharm DeMystifyEP 116a - DEMYSTIFYING PERSONALISATION IN BANKING WITH ED MASLAVECKAS CEO OF BUDIn this episode, Dave and Dharm interview Edward Maslaveckas, CEO and one of the founders of the fintech company Bud.
Ed discusses his background, the inception of Bud in 2015, and their initial failures and lessons learned while trying to build a financial product distribution platform akin to a 'money supermarket for millennials.'
He explains their challenges before open banking regulations, particularly with technology and data aggregation.
Fast forward to today, Bud enhances fintechs and banks by enriching customer transactional data through advanced data science and machine learning models, ensuring higher accuracy in understanding customer behaviours.
Ed also touches on...2024-11-2628 min
Dave and Dharm DeMystifyEP 114b - DEMYSTIFYING THE FUTURE OF FINANCE WITH RONIT GHOSE OF CITIIn this episode of Demystify, hosts Dave and Dharmesh explore the future of finance with special guest Ronit Ghose, who leads Citi's Future of Finance think tank. Broadcasting from Dubai's vibrant tech hub, Ronit shares his perspectives on the city’s meteoric rise as a global financial and tech powerhouse and reflects on how it contrasts with traditional hubs like London and New York.
Ronit discusses the transformative impact of government support in Dubai’s entrepreneurial ecosystem and the rise of Web3, digital assets, and tokenization. He brings in insights from his book, *The Future of Money*, which explores stories of f...2024-11-0131 min
Dave and Dharm DeMystifyEP 113 - DEMYSTIFYING LLOYDS NEW BRAND AND MOBILE APP WITH GEMMA DALEY AND SURESH BALAJIIn this episode, we dive deep into the world of customer-centric design with two influential leaders from Lloyds Banking Group. Joining Dave and Dharm are Gemma Daley, Consumer Experience Design Director, and Suresh Balaji, Chief Marketing Officer. Together, they explore Lloyds’ journey towards becoming an experience-led brand, sharing insights on the recent overhaul of their mobile app and brand expression.
In this conversation, they reveal the strategic shift towards a platform structure, designed to drive efficiency, speed up projects, and cultivate a culture of innovation and customer focus. Gemma and Suresh emphasise how digital thinking was embedded from the very st...2024-10-2235 min
Dave and Dharm DeMystifyEP 111a - DEMYSTIFYING THE BUSINESS USE CASES FOR AI WITH SERGIO GAGO OF MOODY'SIn this episode, Dave and Dharm sit down with Sergio Gago, MD of AI and Quantum Computing at Moody’s, to delve into AI's impact and inner workings in the financial industry.
Sergio provides a fascinating look into how the company utilises extensive data for risk assessment and informed decision-making.
Sergio discusses the evolution of data collection and the crucial role of curating and maintaining large datasets. He also sheds light on the latest advancements in AI, particularly in generative AI and knowledge graphs. The conversation explores the complexities and biases involved in training large language models (LLMs) and the et...2024-09-2333 minDave and Dharm DeMystifyEP 111b - DEMYSTIFYING QUANTUM COMPUTING AND Q DAY WITH SERGIO GAGO OF MOODY'SIn this episode of the "Dave and Dharm Demystify Show," Dave and Dharm reconnect with Sergio Gago from Moody's to explore the fascinating world of quantum computing and its implications for the financial industry.
Sergio, the MD of AI and Quantum Computing at Moody's, explains quantum computing's complexities and fundamental differences from classical computing. He delves into the concept of qubits and superposition, offering insights into how quantum computers can solve mathematical problems exponentially faster than traditional systems.
The conversation also touches on the current state of quantum computing, including its practical applications in finance, such as portfolio optimisation, logistics...2024-09-2338 min
Dave and Dharm DeMystifyEP 110 : DEMYSTIFYING HOW TO USE GEN AI FOR CUSTOMER PROPOSITIONS WITH UDAY AKKARAJU OF BOND.AIIn this episode of the Dave and Dharm Demystify show, the 2 D's are joined by Uday Akkaraju, founder and CEO of Bond.ai.
Uday demystifies Bond.ai, an artificial intelligence firm dedicated to repairing the fractured relationship between consumers and financial institutions. He shares his unique background in human-centred design, cognitive psychology, and intelligent virtual agents, which eventually led him into the financial services industry after facing personal financial struggles in Silicon Valley.
Uday emphasises the importance of understanding consumer behaviour beyond mere transactional data, advocating for a focus on context and long-term financial wellness. He candidly discusses the challenges...2024-09-1128 min
Dave and Dharm DeMystifyEP 109: DEMYSTIFYING FINTECH IN THE MIDDLE EAST AND AFRICA WITH SAID MURAD OF GLOBAL VENTURESIn this episode, Saeed Murad, Senior Partner at Global Ventures, joins Dave and Dharm to demystify the dynamic fintech ecosystem in the Middle East and Africa. With a current population of over 1.5 billion, expected to grow to 3-4 billion, and a significant youth demographic, the region is ripe for innovation and expansion.
Saeed discusses how the UAE and Saudi Arabia are rapidly becoming global fintech hubs through strategic investments, innovative policies, and strong infrastructure development. This proactive approach is creating a competitive yet collaborative environment, driving growth in sectors like fintech, digital health, and AI.
He also sheds light on...2024-08-3026 min
Dave and Dharm DeMystifyEP 108: DEMYSTIFYING HOW TO DISRUPT HOME BUYING WITH ZIAD NASSAR OF HUSPYIn this episode, Dave interviews Ziad Nassar, the Chief of Staff of Huspy, a Dubai-based real estate everything app. Ziad shares his journey and Huspy's evolution from a digitised mortgage broker to a comprehensive platform for home buying in Europe and the Middle East.
Huspy is looking to disrupt the home-buying process. The fact that 30% of all homes in Dubai touch the platform is a testament to their success!
Key takeaways:
HUSB's mission is to empower mortgage brokers and real estate agents through technology and higher commissions and to become the largest home-buying company in the region.
Expansion strategy: Rapid...2024-08-2328 min
Dave and Dharm DeMystifyEP 107: DEMYSTIFYING THE EVOLUTION OF TRADING AND DATA CENTRESIn this episode, hosts Dave and Dharm are joined by John Bryant from Options Technology and Eleni Coldrey from Equinix to discuss the evolution of trading technology and data centres over the past 16 years.
John Bryant is the Field CTO at Options Technology, bringing 16 years of experience in improving IT solutions and trading platforms for financial services. Eleni Coldrey a business development specialist at Equinix, shares insights from her 12-year career working with financial services customers.
The conversation explores how trading environments have transformed from noisy, voice-oriented systems to sophisticated, low-latency, and highly efficient data centres. They reflect on the...2024-08-1437 min
Dave and Dharm DeMystifyEP 106: DEMYSTIFYING CAREEM'S EVERYTHING APP, WITH ABHISHEK TRIPATHI, HEAD OF PRODUCT CAREEM PAYIn this episode of 'The Dave and Darm demystify show,' special guest Abhishek Tripathi, Head of Product at Careem Pay, discusses his role and Careem's evolution from a ride-sharing app to an 'everything app' offering over 15 services, including payments, food delivery, and more across 10 countries and 80 cities.
Abhishek explains Careem's efforts in solving payment challenges and its approach to building FinTech products by collaborating closely with customers.
Highlighting Careem Pay's rapid growth, especially in international remittances, he underscores the importance of customer trust and seamless digital experiences.
Abhishek also touches on Careem's mission-driven structure, their proactive use of AI...2024-08-0227 min
Dave and Dharm DeMystifyEP 103: Customer-Centric Innovation in Finance with Anette Brolos and Erin TaylorIn this podcast episode, hosts Dave and Dharmesh welcome authors Anette Brolos and Erin Taylor to discuss their new book "Customer-Centric Innovation in Finance".
Erin, an anthropologist, and Anette, an economist, share their journey into studying financial behaviours and founding Finthropology, a company that combines finance and anthropology.
In discussing their book, they emphasise the importance of qualitative research, such as interviews and observations, alongside quantitative data to understand customer behaviour deeply.
They also highlight how traditional financial services often fail to meet customer needs, especially women, and why it's crucial to incorporate customer-centric design in financial products. The book...2024-06-0633 min
Dave and Dharm DeMystifyEP 102: The Startup, Dubai Fintech Summit Special with Roger Rouhana, Founder and CEO of AlpheyaRoger Rouhana, founder and CEO of Alpheya, talked to Dave and Dharm at the Dubai Fintech Summit.
Roger discusses Alpheya, a B2B wealth tech platform delivering AI-first solutions to institutional clients. Roger explains the need for digitalisation in the wealth management sector and the unique features of Alfea's cloud-native and AI-first platform.
Roger also discusses the challenges and opportunities in the wealth management market, the company's significant funding, its technology-focused approach, and the choice of ADGM in Abu Dhabi for operations.
He highlights the optimism and growth opportunities in the Dubai market, along with insights on regulatory comparisons between...2024-05-2221 min
Dave and Dharm DeMystifyEP 100: The Bank, Dubai Fintech Summit Special with Mohamed Abdel-Razek, Head of Tech Mashreq BankIn the episode, Dave and Dharm speak with Mohamed Abdel Razek, Mashreq's Head of Technology, during the Dubai Fintech Summit.
Mohamed shares his tech background, which spanned various industries like telco, oil and gas, and fast-moving consumer goods before joining the financial sector. He discusses bringing insights from other industries into banking technology, focusing on digital transformation at Mashreq. The bank emphasises client experience, utilising digital tools for seamless customer journeys.
Mohamed highlights Mashreq's adoption of new technologies like AI, ML, and robotics, along with their resilience-focused approach and core banking transformation.
He also discusses the bank's collaboration with fintechs...2024-05-2229 min
Dave and Dharm DeMystifyEP 99: The Hub, Dubai Fintech Summit Special with Mohammad Alblooshi, CEO of DIFC Innovation HubThe episode features a conversation with Mohammad Alblooshi, CEO of DIFC Innovation Hub and Fintech Hive, discussing the rapid growth of Dubai's FinTech ecosystem over the past seven years.
The focus is on creating a supportive environment for FinTech startups with initiatives like regulatory sandboxes, access to capital, co-working spaces, and talent development. The hub aims to be a global leader in financial innovation, attracting local and global companies.
The episode underscores the pivotal role of collaboration in Dubai's FinTech market. Regulators, government, and industry work hand in hand to drive the market, ensuring both safety and growth. This collaborative...2024-05-2223 min
Dave and Dharm DeMystifyEP 101: The Neobank, Dubai Fintech Special with Jayesh Patel, CEO of Wio BankIn this episode, Jayesh Patel, the CEO of Wio Bank, shares insights on establishing a neobank in Dubai.
He discusses the vision behind Wio Bank, focusing on serving tomorrow's businesses and customers through improved banking apps, embedded finance, and banking as a service.
Wio's success lies in focusing on SMEs first, prioritising user experience over technology, and understanding the diverse needs of different business types. Patel highlights the importance of customer research, simplicity in financial products, and industry partnerships for addressing evolving revenue models.
He emphasises Dubai's vibrant FinTech ecosystem, driven by government initiatives, access to capital, and a diverse...2024-05-1620 min
Dave and Dharm DeMystifyEp 98: BaaS in the USA with Arcady Lapiro of AgoraArcady is a veteran, serial fintech entrepreneur!
Over twenty-four years ago, he was part of the founding and management of a challenger digital bank that grew to over $37bn in assets. The same group then launched the 1st generation of BaaS solutions, and with that, they grew to over $60bn in assets under custody.
Now, he is the founder and CEO of Agora, a third-generation banking platform at the intersection of BaaS and embedded Fintech. Agora has built its own modern composable cloud-core banking solution and is working with sponsor bank(s) for the compliance and bank charter aspects.
Arcady...2024-05-0927 min
Dave and Dharm DeMystifyEP 95: FINTECH PARTNERSHIPS WITH SAM EVERINGTON CEO OF ENGINE BY STARLING AND CARLTON HOPPER OF GFTIn this latest episode of the Demystify Podcast, Sam Everington, CEO of Engine by Starling and Carlton Hopper, UK Managing Director of GFT, discuss their partnership.
Sam outlines their strategy to scale by having partnerships like GFT implement their platform so that his team at Engine can focus on being the best banking platform company. He highlights that this not only accelerates their geographic reach but also allows them to address different markets.
Carlton explains that the partnership works on trust and a shared vision and that GFT's extensive experience in Financial Services means that they were adding value to...2024-03-2730 min
Dave and Dharm DeMystifyEP 92: EMBRACING FINTECH AND THE GREEN AGENDA WITH THE VICE MINISTER OF FINANCE OF LITHUANIAIn this episode, we are very honoured to have Vaida Česnulevičiūtė Markevičienė, the Vice Minister for Finance for Lithuania, as our guest.
The Vice Minister tells about why Lithuania embraced the fintech opportunity and how it put a plan in place to ensure success. She discusses the importance of Government and Enterprise collaboration and how they have created a centre of excellence for fintech in Europe.
She moves on to talk about the green agenda and green fiance, how the country has a plan in place to achieve net zero by 2030, and what that means in securing energy...2024-02-0532 min
Dave and Dharm DeMystifyEP 90: GRIFFIN, A BRAND NEW UK BANK, WITH DAVID JARVIS CO-FOUNDER AND CEODavid Jarvis is the CEO and co-founder of Griffin. Griffin is the UK's only full-stack Banking-as-a-service bank. It is a very young organisation, receiving its license in March 2023.
David talks to us about his background working in development infrastructure for companies such as Airbnb in California, how he moved into the fintech space, and then how he jumped to founding a bank in the UK.
David provides incredible insight into what it takes to start a bank and the process Griffin had to go through to get a license. He does an incredible job of demystifying the Griffin proposition and...2024-01-0927 min
Dave and Dharm DeMystifyEPISODE 89: SAUDI FINTECH WITH NAIF ABUSAIDA OF HAKBAHIn this episode, our guest is Naif AbuSaida, the CEO and founder of Hakbah, a Saudi Arabian fintech focused on group savings. Naif talks us through his fascinating background, from being a media personality to working in utilities before moving into banking.
Naif tells us about how it was whilst undergoing chemotherapy for stage 3 colon cancer that he re-assessed his life and decided he wanted to have an impact on society, which led him to found Hakbah.
He talks us through the Hakbah proposition before changing gears and telling us about the Saudi approach to Fintech and how the regulator...2023-12-1929 min
Dave and Dharm DeMystifyEPISODE 88: BAAS BANKING WITH ANDY ELLIS OF NATWEST BOXED & NOAH SHARP OF VODENODave and Dharm chat with Andy Ellis, CEO of NatWest Boxed, and Noah Sharp, CEO of Vodeno, about Banking As A Service.
Boxed is a new BaaS provider from the banking heavyweight NatWest and European BaaS provider Vodeno. Rather than develop its core banking BaaS solution, NatWest partnered with Vodeno.
In this episode, we learn why NatWest partnered rather than built or used its own platform. Andy and Noah help demystify what is holding BaaS back from broader adoption and what it takes to create a successful BaaS venture.
It's clear the significant advantage Boxed has is its existing corporate...2023-12-0126 min
Dave and Dharm DeMystifyEP 82: HOW FINTECH IS REVOLUTIONISING X BORDER PAYMENTS WITH MAX FALDIN OF SILVERBIRDMax Faldin is the founder of Silverbird, a fintech that serves exporters and importers around the globe. Max talks to us about how his frustrations with "the archaic, broken system" of cross-border payments led him to found Silverbird, an SME-focused fintech. Max talks us through the incredible scale of the opportunity and how by using technology, he has managed to bring the costs to customers down by incredible orders of magnitude whilst maximising efficiencies. This is an incredible story of identifying a problem and setting out to solve it.2023-09-0323 min
Dave and Dharm DeMystifyEP 80: PAYMENTS, THE PLANET & EQUALITY WITH MONIKA LIIKAMAA CEO ENFUCEIn this special episode of Dave and Dharm Demystify, Dave is joined by producer Lou Carlozo in a sauna at Money 20/20 to chat with Monika Liikamaa, co-founder of the payments company Enfuce. Monika talks through her history and tells us more about Enfuce and her general views on the payment industry. She is incredibly open, honest and very straight-talking.2023-07-1728 min
Dave and Dharm DeMystifyEP 81: CORE BANKING MODERNISATION WITH DAVID FEUER & MIGUEL SANTOS OF GALILEOThis week's guests are Santos Miguel and Dave Feuer from Galileo, a proven financial technology platform for fintechs, offering card issuing, payments and digital banking. Santos and Dave provide different a perspective on BaaS, one that is focused less on the technology and more on banks and their customers.2023-07-1633 min
Dave and Dharm DeMystifyEP 78: BAAS IN MENA WITH ANDREW SIMS OF nDIGITALAndrew Sims is co-founder and CEO of nDigital, an integrated banking-as-a-service, card processing and payments group based out of Bahrain. Andrew talks to us about why the global centre of gravity for FinTech seems to be moving towards the Middle East and what nDigital offers through its portfolio of businesses.2023-06-0329 min
Dave and Dharm DeMystifyEPISODE 66: NEW BANKING PROPOSITIONS WITH UNITPLUS AND ETFMATICFabian Mohr, CEO of UnitPlus and Johan Hellman, CEO of ETFmatic talk about UnitPlus, a new product offering customers instant access through a debit card to their investments. It is true product innovation in the fintech space!2022-10-0628 min
Dave and Dharm DeMystifyEPISODE 65: COMPOSABLE BANKINGIn this episode, it's back to the 2 D's alone. Dharm demystifies the topic of Composable Banking for Dave.2022-09-1518 min
Dave and Dharm DeMystifyEPISODE 61: INVESTMENTS FOR COMMUNITY INSTITUTIONS WITH JACK HENRY AND UNIFIMONEYWe welcome Peter Glyman from Jack Henry and Ben Soppitt from Unifimoney to chat about the work that they are doing together to bring an investment solution to the Community Finance Institutions. Through Jack Henry's Banno solution, Unifimoney enables Community Banks and Credit Unions to offer their customers investment solutions, including cryptocurrencies.2022-07-0627 min
Dave and Dharm DeMystifyEPISODE 60: THE POWER OF CONTENT MARKETING WITH ARAMINTA ROBERTSONAraminta is the founder of Mint Studios, a content specialist company working with Fintechs to maximise the sales opportunities of focused and SEO-friendly content. She chats about how to use content to drive acquisitions.2022-06-1525 min
Dave and Dharm DeMystifyEPISODE 59: BEYOND GOOD WITH THEODORA LAUIn this episode, our guest is Theodora Lau, joint author of the book "Beyond Good". We chat with Theo about the book and some of the stories it spotlights. We also talk through some of the emergent trends in fintech, such as #BNPL, which are not always positive forces for change.2022-06-0827 min
Dave and Dharm DeMystifyEPISODE 58: OPEN BANKING PAYMENTS WITH SIMON READER OF PENGSimon talks to us about the payments side of open banking, and why this is an emergent opportunity that he identified with the launch of his latest venture PENG which provides an alternative to cards for point of sale purchases.
To find out more: https://www.youtube.com/watch?v=KFOAxDBE-TA
And https://pengpay.io/2022-05-2620 min
Dave and Dharm DeMystifyEPISODE 57: PUTTING A HEART IN AI WITH KAREEM SALEH OF FAIRPLAYWe discuss with Kareem Saleh of Fairplay how bias has found its way into the algorithms that financial institutions use for decision making, and what Fairplay is doing to address the issue.2022-05-1824 min
Dave and Dharm DeMystifyEPISODE 56: EARTH DAY SPECIAL WITH GIHAN HYDE, DAVID LAIS AND CHRIS SKINNERIn this special episode for Earth Day, we chat with Communique's Gihan Hyde, ecolytiq's David Lais, and the author and fintech expert Chris Skinner about how financial services can respond positively to the challenges of our impact on the planet!2022-05-0647 min
Dave and Dharm DeMystifyEPISODE 55: HOME BUYING WITH MARIA HARRIS OF THE DIGITAL CAT CONSULTANCYWe chat with Maria Harris from the Digital Cat Consultancy about the changes she is working on regarding how homes are bought and sold in the UK as Chair of technology for the Home Buying and Selling Group.2022-04-2726 min
Dave and Dharm DeMystifyEPISODE 54: ENGAGEMENT AND WELL BEING WITH DREAMS TECHNOLOGYIn this episode, we chat with Stina Söderqvist, Science Manager from Dreams, a Customer Engagement and Well-Being platform from Stockholm. Stina talks about how they are using behavioural science to create a product that is focused on making saving as easy as spending.2022-03-2525 min
Dave and Dharm DeMystifyEPISODE 53: CARBON AS AN ASSET WITH BETACARBONThis week's guest is Guy Dickinson, the founder of Betacarbon, a fintech hailing out of Sydney, Australia. Guy talks to us about the problems with offsetting, and how Betacarbon is looking to help towards a net-zero future by tokenising carbon credits.2022-03-1727 min
Dave and Dharm DeMystifyEPISODE 52: THE POWER OF LEARNING PLATFORMS WITH JOHN FINDLAYWe chat with John Findlay, CEO and Co-Founder of Lemonade XP, a learning experience and digital adoption platform that is designed specifically for financial institutions.2022-03-1024 minDave and Dharm DeMystifyEPISODE 51: WE REACHED 50! EPISODEIn this special episode, Dharm and I chat to Lou Carlozo from the Bankadelic podcast about what we think is important!2022-02-2126 min
Dave and Dharm DeMystifyEPISODE 50: PROTECTING VULNERABLE CUSTOMERS WITH KALGERAIn this episode, we chat with Dexter Penn, the founder of Kalgera, a company using AI to identify and protect the vulnerable from financial harm. Dexter trained as a doctor, and it was his experiences on the wards that led him to found the business.2022-02-0924 min
Dave and Dharm DeMystifyEPISODE 49: THE HUMBLE PENNYIn this episode, Dharm and I chat with the incredible Ken Okoroafor, co-founder (with his wife Mary) of the Humble Penny, a personal finance site with the mission of helping people Create Financial Independence and Money Joy. Ken talks to us about his aims with the Humble Penny and why he believes there is an advice gap!2022-02-0132 min
Dave and Dharm DeMystifyEPISODE 48: DIGITAL TWINS WITH JOHN BLICQIn this week's podcast, Dharm and I chat with John Blicq. John is an Associate Director of Innovation for NAB, and also the author of the fascinating book ‘𝘿𝙞𝙜𝙞𝙩𝙖𝙡 𝙏𝙬𝙞𝙣𝙨, 𝙩𝙝𝙚 𝙉𝙚𝙭𝙩 𝙃𝙪𝙢𝙖𝙣 (𝙍)𝙚𝙫𝙤𝙡𝙪𝙩𝙞𝙤𝙣’ that explores the way the emergence of DigitalTwins and DigitalHumans will eclipse banks and insurance companies who are only equipped to service physical humans with physical assets. We discuss the book, Digital Twins and Johns view on the innovation horizon.2022-01-1222 min
Dave and Dharm DeMystifyEPISODE 47: CHINA, CBDC's AND CASHLESS WITH RICHARD TURRINIn this episode, our guest is the incredible Richard Turrin, who helps demystify the concept of Central Bank Digital Currencies (CBDC). Based out of China, Richard has a ringside seat on how China is transforming into a cashless society - a theme picked up in his latest book Cashless. He talks us through what a CBDC is and why he believes they are the future.2022-01-0531 min
Dave and Dharm DeMystifyEPISODE 46: SME AND COMMERCIAL FINTECH WITH SANTANDER TOMATOPAYIn this weeks episode, we talk to Nick Heller, CEO and Founder of the fintech Tomato Pay and Jonathan Holman, Head of Digital for Corporate & Commercial Banking at Santander, about SME's being an underserved segment and how a fintech and a bank are collaborating to address that.2021-12-2723 min
Dave and Dharm DeMystifyEPISODE 45: MONUMENT BANKIn this weeks episode, we chat with John Saunders and Conor McDermott from Monument Bank. Monument has recently been awarded a full and unrestricted bank licence in the UK. It has a very targeted proposition focusing on lending and saving to the affluent. John tells us about the history of the bank, and Conor talks to us about how the lending products can add real value to customers.2021-12-1524 min
Dave and Dharm DeMystifyEPISODE 44: THE RISE OF TECHNOSOCIALISAM WITH BRETT KING RICHARD PETTYOur guests are Brett King and Richard Petty, who talk about their new book: The Rise of Technosocialism: How Inequality, AI and Climate Will Usher in a New World. In this very timely publication, we discuss how the confluence of Climate Change, Technology and Social changes will profoundly affect society and how humanity can respond.2021-11-2134 min
Dave and Dharm DeMystifyEPISODE 43: CARBON FOOTPRINTS & TRANSACTIONAL DATA WITH ECOLYTIQThis week we chat with Ulrich Pietsch, CEO and co-founder of Ecolytiq, a company based out of Germany that provides a Sustainability-as-a-Service® solution that enables financial institutions to offer their customers environmental footprinting and personalised impact offsetting and ESG investments.2021-11-1022 min
Dave and Dharm DeMystifyEPISODE 42: SATOSHI BLOCK DOJO part 2This week in part 2 of a 2 part special, we chat with Craig Massey and Richard Boase from Satoshi Block Dojo about their mission to educate, train and elevate start-up entrepreneurs. We talk about the opportunity, the BSV (BITCOIN) standard, and why they are both convinced Craig Wright is Satoshi Nakamoto.2021-11-0323 min
Dave and Dharm DeMystifyEPISODE 41: SATOSHI BLOCK DOJO Part 1This week in part 1 of a 2 part special, we chat with Craig Massey and Richard Boase from Satoshi Block Dojo about their mission to educate, train and elevate start-up entrepreneurs. We talk about the opportunity, the BSV (BITCOIN) standard, and why they are both convinced Craig Wright is Satoshi Nakamoto.2021-10-2920 min
Dave and Dharm DeMystifyEPISODE 40: PERSONALISATION WITH GILLIAN LEE OF DBSWe chat with Gillian Lee about how DBS Bank uses personalisation to enhance its customer proposition through its Intelligent Bank strategy and proposition.2021-10-2118 min
Dave and Dharm DeMystifyEPISODE 39: WOMEN AND FINANCE WITH FINANCIELLELaura and Holly Pomfret set up Financielle, a service aimed at helping women become more financially confident and adept. They realised that many financial products do not speak to women, leading to a lack of trust, low financial confidence and a lack of action when it comes to investing for the future.2021-10-1424 min
Dave and Dharm DeMystifyEPISODE 38: FINTECH IS DEAD, LONG LIVE PROPTECH WITH PAUL SCHULTEPaul Schulte helps demystify Crypto, Proptech and how China is using these technologies to transform society and the implications for the West. Paul is the founder and editor of Schulte Research, a company researching banks, financial technology, bank algorithms and credit algorithms. He has just written a book about the digital transformation of property in China. We chat crypto, prop-tech, 5G and AI.2021-10-0523 min
Dave and Dharm DeMystifyEPISODE 37: UNDERSTANDING ESG WITH GIHAN HYDEThis week, our guest is Gihan Hyde. Gihan has recently launched Communique, a consultancy focused on helping brands with their ESG communications. Gihan helps demystify ESG and talks about why it is so important to fintechs and the FS industry more broadly.2021-09-1730 min
Dave and Dharm DeMystifyEPISODE 36: SOCIAL MEDIA EXCELLENCE WITH NUBANKThis week we chat with Paula Rothman, the Social and Content Lead from the Brazilian bank Nubank. Paula talks to us about why Nubank is so successful at harnessing the power of social media. Nubank has over 40 million customers and a valuation of $55bn, so they must be doing something right!2021-09-0821 min
Dave and Dharm DeMystifyEPISODE 35: RESEARCH, FINTECH AND WHATS HAPPENING IN INDIAN WITH WHITESIGHTOur guest is Afshan Dadan co-founder of Whitesight, a Fintech research and insight company. We chat to Afshan about their proposition, what they are hoping to achieve and the Fintech scene in Indian.2021-08-3121 min
Dave and Dharm DeMystifyEPISODE 34 : THE ORIGINS OF DIGITAL BANKING WITH BRIAN COXListen in to some proper fintech history as Dharm and I look back to when we worked with the Woolwich Building Society to deliver online and mobile banking in the late 1990's. We are joined by Brian Cox who was the project lead at the time. The Woolwich were pioneers and we were lucky to be there. The Woolwich was later sold to Barclays.2021-08-2322 min
Dave and Dharm DeMystifyEPISODE 33: PURPOSE DRIVEN BANKING WITH CHRIS SKINNERWe chat with Chris Skinner about purpose-driven banking and some of his predictions for the future that have come true. Chris Skinner is known as one of the most influential people in technology and an independent commentator on the financial markets and fintech through his blog, the Finanser.com.2021-08-0824 min
Dave and Dharm DeMystifyEPISODE 32: HYPER-PERSONALISATION WITH PERSONETICSIn this weeks episode, we talk to Dorel Blitz VP of Strategy and Business Development at Personetics. Dorel talks to us about how personalisation is delivering customer value through the Personetics platform, and how automation and self-driving finance are the future.2021-07-2821 min
Dave and Dharm DeMystifyEPISODE 31: DEMYSTIFYING FINTECH IN AFRICA WITH BENJAMIN FERNANDESIn this weeks episode, Dharm and I chat with Benjamin Fernandes. Benjamin is the founder of Nala (https://www.iwantnala.com/), a fintech based out of Tanzania. Nala is on a mission to make remittances to East Africa, faster and cheaper. Benjamin's story and passion for solving problems speak to the incredible story that is FinTech in Africa!2021-07-2121 min
Dave and Dharm DeMystifyEPISODE 30: HELENE PANZARINO TALKING ABOUT SME BANKINGOur guest this week is Helene Panzarino. Helene is an experienced fintech professional, former banker, investment readiness consultant & business advisor. She is a creator of fintech innovation programmes, lecturer, board member and author. Helene talks to us, about SME banking.2021-07-0823 min
Dave and Dharm DeMystifyEPISODE 29: SME BANKING WITH MARTIN HYDE FROM HSBC KINETICThis weeks guest is Martin Hyde, the Head of HSBC Kinetic, the recently launched mobile banking proposition focused on small businesses. Martin talks about why the Bank launched Kinetic and how it fits into HSBC's portfolio of commercial offerings. He also talks very passionately about why a customer-led, design thinking approach was adopted for the project to get Kinetic launched.2021-06-2819 min
Dave and Dharm DeMystifyEPISODE 28: BANKING, BaaS AND THE DIGITAL BRAIN WITH WARBURG AND VODENOIn this specially extended show, our guests are Peter Deming, Warburg Pincus's MD for London and European Head of FS and Tom Bentley CCO of Vodeno, one of Warburg's recent acquisitions.
We chat about Warburg's vision and acquisition strategy and how these are being driven by the seismic changes happening in financial services, including embedded banking, Baas, mobile and enriching the customer experience through insight and data.2021-06-2230 min
Dave and Dharm DeMystifyEPISODE 27: BUILDING SOCIETIES, FINTECH IN THE AID SECTOR AND WALES WITH BEN JOAKIMOn this week's show, we welcome Ben Joakim. Ben is currently Head of Strategy for Principality Building Society and is a NED for FinTech Wales. He was previously founder and CEO of a FinTech start-up Disberse (https://www.disberse.com/), whose mission was to ensure greater transparency, velocity and accountability between donors and receivers in the aid sector. Ben talks about his experience at Disberse. He then chats about the challenges and opportunities for the building society sector and about FinTech in Wales.2021-06-0419 min
Dave and Dharm DeMystifyEPISODE 26: DIGITAL TRANSFORMATION WITH DAN PHIPPSIn this episode, the 2 D's become 3, as Dave and Dharm chat to Dan Phipps from Truth Consulting Partners about Digital Transformation. Dan was until recently Head of Digital for HSBC in Asia and was one of the driving forces behind digital change and adoption in the Bank. Dan gives us the benefit of his experience over the last decade, providing valuable observations and insight that will appeal to anyone with an interest in Digital Transformation at scale.2021-05-2622 min
Dave and Dharm DeMystifyEPISODE 25: FINTECH IN AFRICA WITH SAMORA KARIUKIThis week, Dave and Dharm talk to Samora Kariuki from Finbank S.A. in Burundi about FinTech in Africa. Samora is incredibly knowledgeable and insightful about the topic having worked in digital finance for many years. A big takeout; how digital is truly globalising so much.
Samora publishes a brilliant newsletter: Fintech Frontier (https://frontierfintech.substack.com/) which is well worth subscribing to.2021-05-2021 min
Dave and Dharm DeMystifyEPISODE 24: A PERSPECTIVE ON FIN TECH IN ASIA WITH THOUGHT MACHINE AND SYNPULSEDave and Dharm have a fascinating discussion with Yves Roesti and Fraser Wilkie of Synpulse and Nick Wilde from Thought Machine about why Asia is rapidly becoming one of the most advanced regions for FinTech. Tied into this, we also discuss why the future of digital FS requires a much more creative and customer-centric approach.2021-05-0823 min
Dave and Dharm DeMystifyEPISODE 23: JIM MAROUSIn this episode, Dave and Dharm look across the fintech landscape and chat with Jim Marous about a wide range of topics, including the trip to China that Dave and he went on last year. Jim offers such a wise perspective on what is going on and truly demonstrates, why he is one of the top 5 fintech influencers in the world.2021-04-2325 min
Dave and Dharm DeMystifyEPISODE 22: WEALTH TECH WITH APRIL RUDINIn this episode, Dave and Dharm talk to the amazing April Rudin about WealthTech. She helps demystify the digital opportunity in wealth management and gives a direct and honest appraisal of key trends in wealth management including mobile and social media.
April is CEO of the global wealth management marketing firm, The Rudin Group, (https://therudingroup.com) and has been recognised by Onalytica as the #1 wealth management influencer online.2021-04-1325 minDave and Dharm DeMystifyEPISODE 21 : JERRY BLANTON AND THE IMPORTANCE OF THE BRANDIn this weeks episode, Dave and Dharm chat to Jerry Blanton. Jerry was formally the Head of Customer Experience Design and Marketing at CitiBank FinTech Asia and EMEA, based out of Singapore. Jerry talks through why the Brand is important and helps demystify why it is so much more than a logo and corporate colour palette.2021-04-0719 min
Dave and Dharm DeMystifyEPISODE 20: THE INDIA STACKIn this episode, Dave and Dharm are joined by Rahul Sanghi and Aaryaman Vir who DeMystify the India Stack. They talk about what it is, its origins, what has been achieved so far and the incredible opportunity it offers India for innovation in Fintech going forward.
For further reading on the subject look no further than https://tigerfeathers.substack.com/ and the article "The Internet Country.
How India created a digital blueprint for the economies of the future"2021-03-2722 min
Dave and Dharm DeMystifyEPISODE 19: THE US FINANCIAL SERVICES LANDSCAPE WITH RON SHEVLINIn this episode, Dave and Dharm chat to Ron Shevlin, Director of Research at Cornerstone Advisors and Senior Contributor at Forbes, Fintech Snark Tank (bit.ly/FintechSnarkTank). We discuss with Ron emerging trends in the US financial services landscape and how these compare to the UK. He also discusses how communities of interest are the new community banking opportunity.2021-03-2128 min
Dave and Dharm DeMystifyEPISODE 18: DIGITAL IDENTITY WITH DAVID BIRCHIn this episode, Dave and Dharm chat to the legendary David Birch, who helps to demystify the topic of digital identity. David does an incredible job of taking this complex subject and making it understandable.2021-03-0627 min
Dave and Dharm DeMystifyEPISODE 16: TRANSFORMING FINANCE IN GHANA WITH ARCHIE HESSE FROM GHIPSSIn this episode, we talk to the award-winning Archie Hesse, CEO of GHIPSS. GHIPSS is a subsidiary of the Ghanaian Central Bank with a mission to re-engineer Ghana's payments system. Its mandate was to make it simple for citizens to access banking, ensure banking was flexible to use and secure. GHIPSS has transformed Ghana's underlying infrastructure, ensuring that the Ghanaian banking system is truly world-class, modern and future-focused.2021-02-2722 min
Dave and Dharm DeMystifyEPISODE 15: STORKCARD WITH BRUCE PANNAMANIn this episode, Dave and Dharm look to demystify new banking paradigms in discussion with Bruce Pannaman co-founder of StorkCard. StorkCard is an amazing service that has been designed to meet the financial needs of new parents. The StorkCard proposition is to do the financial thinking for busy parents so that they can focus on the joys of having kids, not the costs.2021-02-2023 min
Dave and Dharm DeMystifyEPISODE 14: CORE BANKING WITH LEDA GLYPTIS PhDIn this episode, we welcome the incredible Leda Glyptis PhD, Chief Client Officer for 10X Future Technologies, to help us demystify core banking. What actually does core banking mean? And what is the future? Tune-in and listen and in a meer half an hour, we are pretty sure we will have covered any questions you might have!2021-02-0829 minDave and Dharm DeMystifyEPISODE 13: TECHUP WOMEN, WITH PROFESSOR SUE BLACK AND SIMON SCHOFIELDIn this episode, we talk to Professor Sue Black and Simon Schofield about the work that TechUP Women are doing to encourage more women into a career in technology. Through re-training and support, they aim to address the gender imbalance; women are currently significantly under-represented.2021-01-2821 min
Dave and Dharm DeMystifyEPISODE 12: THE BRETT KING STORYIn this episode, Dave and Dharm demystify the man that is Brett King. In this incredibly candid interview, Brett and Dave talk about the work they did together with HSBC in HK and how that got Brett thinking... The rest, as they say, is history!2021-01-1830 min
Dave and Dharm DeMystifyEpisode 11: HOW PSYCHOLOGY IMPACTS ONLINE BEHAVIOUR AND WHAT THIS MEANS FOR FINANCIAL VULNERABILITYIn this episode, Dave and Dharm talk to Adrian Webb and Max Wiggins of the Lab group, about the incredible work they are doing to determine vulnerability based on a user's online behaviour and what that could mean for delivering a customised user-experience. As you will hear, this is the cutting edge of true psychology-based insight driving innovation, but doing it for a purposeful outcome.2021-01-0622 min
Dave and Dharm DeMystifyEPISODE 9b: INSCAPE PART 2In the second of a 2 part mini-series, Dave and Dharm look back to the year 2000 and talk to Jeff Scott (CMO) and Paul Loberman (Senior Manager) about Inscape.
Inscape was one of the very original FinTech companies, launched by the Abbey National (now Santander)in the year 2000. It was a superbly well-crafted wealth management proposition that combined the power of digital with relationship managers. We discuss the brand, the proposition and ultimately why it failed.2020-12-1615 min
Dave and Dharm DeMystifyEPISODE 9a: INSCAPE PART 1In the first of a 2 part mini-series, Dave and Dharm look back to the year 2000 and talk to Jeff Scott (CMO) and Paul Loberman (Senior Manager) about Inscape.
Inscape was one of the very original FinTech companies, launched by the Abbey National (now Santander) in the year 2000. It was a superbly well-crafted wealth management proposition that combined the power of digital with relationship managers. We discuss the brand, the proposition and ultimately why it failed.2020-12-1122 min
Dave and Dharm DeMystifyEPISODE 8: HENRY BAYE CEO STANDARD CHARTERED JERSEYIn this weeks episode, Dave and Dharm talk to Henry Baye, the CEO of Standard Chartered Jersey. Henry helps demystify the rise & rise of digital wallets in Africa and why they have become so dominant. Henry also talks about his experience as a CEO driving a digital transformation agenda and how the lessons he learned in his time in West Africa are being applied to his role in Jersey.2020-11-2120 minDave and Dharm DeMystifyEPISODE 7: BANKING ON SOCIALTwo guests join Dave and Dharm this week to discuss hows banks are using social media. Paul Loberman, who is ex HSBC and Santander, gives a banks eye view, and Tilly Wallace a student at UWE who discusses her thoughts from the perspective of a 20 something.
(Link to report discussed in the podcast - https://www.linkedin.com/pulse/banking-social-dave-wallace/)2020-11-0518 minDave and Dharm DeMystifyEPISODE 6: BANKING AS A SERVICEThis week the 2 D's demystify Banking as a Service (BAAS). By looking back through the mists of time to a web-based email service that they both helped create before there was even Hotmail, Dharm helps Dave to understand what BAAS actually is and why it is so relevant for the here and now!2020-10-2817 minDave and Dharm DeMystifyEPISODE 5: GAMIFICATIONIn this weeks episode, the 2 D's talk about gamification in financial services with special guest Colin Weir. Colin is founder and Chief of Moroku Gamesystems which brings the power of gameplay to the financial services industry. We talk about how gamification can be used to help build more productive engagement and relationships.2020-10-1519 minDave and Dharm DeMystifyEPISODE 4: MICROSERVICESIn this weeks episode, Dharm demystifies microservices for Dave. Dave is baffled to begin with.2020-10-0721 min
Dave and Dharm DeMystifyEPISODE 1: THEY MEETIn this episode, Dave and Dharm talk about how they met and the challenges they faced 20 years ago when working on launching online insurance for Eagle Star Direct (now part of Zurich) and online banking for the Co-operative bank.2020-09-1612 minDave and Dharm DeMystifyEPISODE 2: CLOUDIn this episode Dave and Dharm demystify Cloud. Dharm explains what the concept of cloud is and helps Dave to better understand why companies have adopted could based platforms2020-09-1616 minDave and Dharm DeMystifyEPISODE 3: DESIGN THINKINGIn this episode, Dave demystifies the design thinking process for Dharm. He explains why he believes it is crucial that design thinking is part of designing and developing a digital platform, product or service. Dharm is sceptical about it to begin with, so let's see if Dave can change his mind!2020-09-1620 min