Shows
Waves of Innovation by re:cinqBuilding AI agents in sensitive financial enterprisesWhat's the most important skill for building reliable AI? It might not be what you think.In this episode, we sit down with Qamir Hussain, Head of AI at Arisa (formerly of Webio), who shares incredible insights from building AI for the high-stakes world of debt collection. He argues that a QA mindset is more critical than any other skill for an engineer in the AI space.We dive into the real-world war stories of developing AI-driven tools that assist agents in navigating difficult and sensitive financial conversations.In this episode, you'll learn:
2025-08-0549 min
Credit ShiftNatWest's AI Agent Development: A Look Behind the ScenesChris Booth, the product owner for NatWest Group's AI assistant Cora, discusses the accessibility work NatWest has been doing and the journey of improving their conversational AI. NatWest started by building their own front-end chat interface to make Cora more accessible and usable, allowing users to control such aspects as font size and typing speed. They are now also exploring dynamic interfaces and voice for accessibility to create a more fluid and conversational experience.Chris talks about the challenges of using large language models in customer-facing environments and he further explores the concept of language...
2025-05-0848 min
Credit ShiftFrom SMS to Rich Conversations: Exploring RBM in Debt CollectionIn this episode of Credit Shift, Mark Oppermann and Graham Bragg dive into the move from traditional SMS to Rich Business Messaging (RBM) — and why it’s a big deal for debt collection and business communication.They chat about how messaging has evolved, what makes RBM stand out, and why branding and trust matter more than ever in customer conversations. From richer content and better engagement to improved security and cost-effectiveness, this episode breaks down the real-world impact of RBM and why it's something every business should be thinking about.Whether you’re in collections, custom...
2025-04-0921 min
L'invité de la semaine de RSE RadioBouygues Construction : Leader de la construction durable | Etienne Bléhaut-Michel, DG de l’Ingénierie, Climat et Environnement de BouyguesEtienne Bléhaut-Michel, Directeur Général en charge de l’Ingénierie, Climat et Environnement chez Bouygues Construction Bâtiment France, nous explique sa stratégie d’affrontement plutôt que d’évitement. Il nous raconte la création de WEBIO sur les produits biosourcés et fait le point sur WEWOOD. Etienne Bléhaut-Michel nous donne sa vision sur le recyclage, le réemploi et l’économie circulaire.Hébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.
2025-04-0817 min
Credit ShiftThe Overlooked Potential of SMS in Debt CollectionIn this episode of Credit Shift, Mark Oppermann and Graham Bragg chat about the often overlooked power of SMS in digital debt collection and customer engagement. While it might be one of the older technologies in the mix, SMS still has loads to offer – and many businesses aren't using it to its full potential.They dig into how personalisation, automation, and AI can take SMS beyond the basics, helping businesses create smarter, more effective conversations. There’s also a reminder that compliance is key when it comes to messaging strategies.With its broad reach and low...
2025-03-1126 min
Credit ShiftChoosing the Right AI for Debt Collections: Custom Language Models vs. Large Language ModelsIn this episode of Credit Shift, we dive into the world of AI in debt collection. They break down the key differences between custom language models and large language models, tackling the big question—why does it matter? The conversation gets into the challenges of using AI in regulated industries, the importance of truly understanding customer intent, and where AI is headed in customer interactions. We also chat about why one-size-fits-all AI doesn’t cut it in debt collection and how tailored solutions can boost efficiency and compliance. Key Takeaways:Custom language mode...
2025-02-1919 min
Credit ShiftAI and Digital Debt Collection in 2025In this episode of Credit Shift, Mark Oppermann and Graham Bragg discuss the future of AI in digital debt collection, focusing on the advancements expected by 2025. They explore the lessons learned from 2024, the role of AI in enhancing customer experience, and the importance of understanding AI's capabilities and limitations. The conversation also delves into the impact of conversational summaries and co-pilots, navigating compliance and vulnerability detection, and the overall future of AI in the industry.This episode refers to the webinar that goes into more detail on AI and Digital Debt Collection in 2025. ...
2025-02-0323 min
Credit ShiftNews Update: AI, Fraud, and Consumer Protection: Addressing the Credit Industry's Biggest ChallengesIn this episode of Credit Shift News, Paul Sweeney and Cormac O'Neill discuss the latest trends and challenges in the credit industry, focusing on scams, consumer protection, cybersecurity, council tax collection, AI adoption in financial services, and the evolving landscape of fraud. They highlight the importance of security and compliance in financial institutions and the need for innovative approaches to tackle these issues effectively.TakeawaysScam victims are gaining new protections with reimbursement arrangements.The rise in customer complaints in utility companies indicates a need for better service.Cybersecurity is a critical concern for all companies...
2024-10-1727 min
Credit ShiftNews Update: How AI is Disrupting Traditional Industries AI's Role in Transforming Financial ServicesSummaryIn this episode of Credit Shift News, Paul Sweeney and Cormac O'Neill discuss the latest trends in the credit industry, focusing on:The impact of AI and digitalisation in collectionsThe challenges faced by small businesses due to late paymentsThe growing popularity of Buy Now Pay Later services among young consumersThe role of automation in customer serviceThe evolving trust in financial services, emphasising the importance of a seamless checkout experienceTakeawaysAI is becoming a key focus in the collections industry.Digitalization remains crucial for financial services companies.Late payments significantly impact small...
2024-10-0148 min
Credit ShiftNews Update: AI's Growing Influence in Credit: Mortgage Trends, Buy-Now-Pay-Later Debt, and Generative AI in Financial ServicesSummary In this episode of Credit Shift News, Paul Sweeney discusses recent trends and reports in the credit industry, focusing on customer experiences in mortgage queries, the rise of buy-now-pay-later debts, and the transformative role of AI and generative AI in financial services. He highlights the importance of data management for successful AI implementation and the potential benefits of AI in improving operational efficiency and customer satisfaction. Takeaways42% of homeowners prefer phone calls for mortgage queries.Buy-now-pay-later debts for smaller amounts increasingly common.Economic abuse in joint mortgages affects many women.AI is...
2024-09-1913 min
Credit ShiftNews Update: The Importance of Data Quality in AI , Managing Expectations in the AI IndustryIn this conversation, Paul Sweeney and Cormac O'Neill discuss various topics related to the financial industry, including the increase in inquiries handled by the Citizens Advice Bureau, the decline in cash machine usage, and the challenges and benefits of implementing AI in organizations. They also touch on Apple's upcoming update and the potential impact of OpenAI's ChatGPT 5.0. The conversation concludes with a discussion on the importance of data quality and the time it takes for organizations to realize the benefits of AI.TakeawaysThe Citizens Advice Bureau in England and Wales saw a 10...
2024-09-0428 min
Credit ShiftNews Update: UK Neobanks' Profit, Apple's AI Move and the Rise of AI in BankingIn this episode of Credit Shift, Paul Sweeney (Webio CSO) highlights the profitability of UK neobanks, Monzo and Starling Bank, as well as online bank Revolut. Paul also mentions the importance of credit monitoring and the potential benefits for companies to offer such services for free. Paul then discusses Apple's withdrawal from the buy now pay later market and its focus on AI with the launch of Apple Intelligence. Sweeney explores the potential impact of AI assistants connected to Apple Wallet and the need for privacy and user experience. The host also mentions the EU's...
2024-07-1612 min
Credit ShiftNews Update: FinTech Developments, Stripe's Evolution and UK Financial VulnerabilityThis podcast episode covers industry news, fintech developments, and the expected impact of GenAI on the UK competitive landscape. Host, Paul Sweeney (Webio CSO), discusses the rise in UK debt repayments, the cost of living pressures, and the financial vulnerability of millions of people. Paul also explores the development of Stripe over the past 10 years and its new product launches. Additionally, our host delves into a new report from London Business School and the Institute of Directors, assessing the expected impact of GenAI on the UK competitive landscape.Takeaways Rise in...
2024-06-0507 min
Credit ShiftNews Update: Vulnerable Customers, AI Innovations and Market ScrutinyIn this episode, Paul Sweeney (Webio CSO) and Delia Jones (Webio COO) discuss the latest credit and finance stories such as vulnerable customer identification and OpenAI's voice assistant. They also touch on the ethics and privacy concerns surrounding AI and data usage, the scrutiny of payment system regulators, and the potential of on-device computing.TakeawaysIdentifying vulnerable customers and managing conversations appropriately is crucial in the credit industry.Telecom customers often turn to their service providers for information about debt support.MasterCard and Visa are facing scrutiny over their market dominance...
2024-05-2324 min
Credit ShiftNews Update: Opportunities of Open Finance, Universal Credit and Advancements in Payments TechThis episode covers the stories in the credit industry that caught our eye, including overdrafts, interest charges on personal loans, universal credit, FinTech, buy now pay later, and open finance. We highlight the high number of people in the UK who are overdrawn and the expensive nature of overdrafts. We also discusses the impact of interest charges on personal loans and the potential benefits of the new universal credit system. In the FinTech space, the episode explores tap-to-pay solutions, buy now pay later services, and technology innovations in payments. Lastly, it covers the opportunities and...
2024-04-1712 min
Credit ShiftNews Update - Gen AI in Banking, Credit Card Transaction Fees, AI Ethics and The Human TouchIn this podcast episode, Paul Sweeney and Cormac O'Neill cover topics such as company defaults, payment terms, transaction fees, and the adoption of AI in the banking sector. The hosts also explore the concept of Gen AI and its potential impact on various industries. The conversation highlights the importance of trust, ethics, and the human touch in the adoption of AI technologies.Takeaways Company defaults and payment terms are key factors in the credit industry.Visa Card and MasterCard have agreed to cut US transaction fees, which will...
2024-04-1035 min
Credit ShiftNews Update: Trust in BNPL, AI Performance and Consumer Duty ChallengesIn this episode, Paul Sweeney (CSO) and Cormac O'Neill (CEO) discuss recent news stories and trends in the credit industry. They provide updates from their recent attendance at a financial PEVC All Things Funding Summit in London. The conversation covers topics such as Customer Duty and the need for early warning systems, the closing gap in performance between OpenAI and other models, the growing significance of brand and trust in borrowing decisions, concerns and challenges of Buy Now Pay Later (BNPL) schemes, and the impact of AI on the contact center industry. Takeaways ...
2024-03-2733 min
Credit ShiftAddressing Financial Distress Through Digital Engagement and Collaborative Solutions: Insights from Citizens Advice CEOAlison Dunn, CEO of Citizens Advice Gateshead, discusses the structure and scope of Citizens Advice and the challenges they face in managing a wide range of services. Alison highlights the misconceptions about Citizens Advice being a homogenous group and explains that each local charity within the network is independent and can look and feel different. Alison also emphasises the importance of out-of-hours support and the barriers people face in seeking help and making contact. She shares insights into the complex issues clients bring, the need for empathy and understanding, and the impact of rising costs...
2024-03-1955 min
Credit ShiftNews Update: Consolidation, Technology, Disruption, Apple's Finance Kit and Credit Card LegislationIn this episode, Webio's Paul Sweeney (CSO) and Cormac O'Neill (CEO) discuss the recent European NPL Conference and highlight three key themes: consolidation in the NPL market, regulation in the industry, and the importance of embracing technology. Paul and Cormac also cover topics such as consumer credit and debt levels, new legislation on credit card fees in the USA, subscription accidents, and Apple's integration with personal finance apps. Additionally, they discuss Monzo's recent funding and expansion, as well as the UK government's Debt Fairness Charter.Takeaways~ Consolidation is a major trend...
2024-03-1333 min
Credit ShiftNews Update: Exploring Credit Recovery, Record High Credit Card Complaints, Debt Awareness, AI in Finance, and the Growing BNPL PhenomenonIn this episode of Credit Shift News and Update, Paul Sweeney (CSO) and Cormac O'Neill (CEO)discuss various news and trends in the credit industry. They provide updates on their own company, Webio, and discuss the recovery of consumer credit, the increase in credit card complaints, and the lack of awareness of debt among adults. They also explore the implementation of AI by Klarna and Microsoft, as well as the growing popularity of digital payments and Buy Now Pay Later services. The episode concludes with insights from the McKinsey 2023 Digital Payments Consumer Survey.Key Takeaways
2024-03-0535 min
Credit ShiftPathways to AI Implementation and Excellence: Ethical, Strategic and Operational Insights with Optima and FenestraIn this episode, the hosts Paul Sweeney (Chief Strategy Officer at Webio) and Dan Blagojevic (Director of Decision Sciences & Machine Learning at Optima) and their guest, Javier Campos (Chief Information Office at Fenestra), discuss the barriers to adoption of artificial intelligence and the importance of maturity assessment in AI implementation. They explore the need for a clear rule book or recipe book for the journey to maturity and the role of governance in successful AI implementation. The conversation also looks into the ethical considerations in AI, including fairness and privacy. Paul, Dan and Javier stress...
2024-03-0153 min
Credit ShiftNews Update: Insights into the UK Economy, Digital Messaging and Forbearance, Banking Growth and Emerging TechnologiesPaul Sweeney, CSO at Webio, covers a range of topics pertinent to the credit industry and related technological innovations. Key points include:1. UK Economic Overview: The UK ended 2023 in a recession, albeit not expected to be severe. Inflation is decreasing towards a 2% target, prompting speculation about lower interest rates to ease borrowing costs.2. Credit and Debit Card Transactions: November 2023 saw a significant increase in credit and debit card transactions compared to the previous year, with contactless payments dominating. Tokenization is highlighted for improving approval rates, indicating a shift away from cash transactions.
2024-02-2009 min
Credit ShiftNews Update: Insurance Companies' Duty of Care, Barclays & Tesco Bank Merger, Fintech and AI NewsThis episode of Credit Shift News features Paul Sweeney, Chief Strategy Officer at Webio, and CEO Cormac O'Neill, discussing recent developments in the credit industryThey cover a range of topics:Discretionary Commission Arrangements (DCAs): The hosts highlighted concerns around brokers increasing their commission through interest adjustments not beneficial to buyers. Martin Lewis's BBC program reportedly led to over 260,000 complaints, emphasising the unpredictability of service demand. Financial Conduct Authority (FCA) on GAP Insurance: It was announced that insurance firms agreed to pause sales of GAP insurance after finding a low claims payout rate, su...
2024-02-1426 min
Credit ShiftNews Update: The Job of Generative AI, Deepfakes and Cheapfakes, and Mortgage Arrears and Direct Debit Rejections (DDR’s)In this podcast featuring Paul Sweeney and Cormac O'Neill, the conversation revolves around recent developments in the credit industry, customer trends, and technological advancements, particularly in conversational AI. They kick off by discussing the relief that January's anticipated loan delinquencies didn't materialise as feared, suggesting an improvement in people's financial management. They also touch upon the increased demand for debt advice, with a noticeable uptick in searches related to scams, debt relief, and bankruptcy, indicating growing public concern over financial security.Mortgage arrears and cost of living: The hosts transition to industry-specific insights, highlighting a...
2024-02-0726 min
Credit ShiftNews Update: Debt by the Numbers, The Digital Divide and Poverty PremiumThis podcast episode features Paul Sweeney (CSO) and Cormac O'Neill (CEO) highlighting industry news and focusing on the financial struggles of different consumer groups. Key points include:Renters vs Homeowners: A significant gap in financial stability, with renters more likely to miss essential payments. Energy Debt: A notable rise in prepay energy customers' debt, highlighting the challenges faced by energy providers and consumers alike. Apple Wallet Changes: Discussion on EU regulations impacting Apple, potentially opening up iPhone NFC chips for other payment services and app sideloading. This could disrupt Apple's financial data collection...
2024-01-3028 min
Credit ShiftNews Update: Spike in Defaults, Local Councils in Crisis, Fintech's Leap Forward, Digital Banking and AI Chatbot ExpectationsIn this week's podcast, Paul Sweeney (CSO) and Cormac O'Neill (CEO) discuss several topics related to the fintech and customer service industries. Here's a summary of the key points: 1. Webio's New UI: Cormac mentions the launch of their new user interface (UI) focused on AI strategy and custom collections language models, which has received positive feedback from users. They plan to provide more details on the platform's capabilities. 2. Mortgage Defaults and Missed Payments: They discuss recent data from the Bank of England, indicating a surge in mortgage defaults and missed payments on credit cards and loan...
2024-01-2332 min
The Big Tech ShowI made a deep fake video in 15 minutes — we should worry about them in this year’s electionsWhat are deep fakes currently capable of? Are they accessible? And will this impact elections in the future? Adrian looks at what deep fakes can and can’t do with co-founder of Webio Paul Sweeney. See omnystudio.com/listener for privacy information.
2024-01-1620 min
Credit ShiftNews Update: Challenges of GenAI in Banking, X's Payment Capability, Revolut's US lawsuit and Economic UpdatesHosts: Paul Sweeney, Co-Founder and Chief Strategy Officer, and Cormac O'Neill, CEO and Co-Founder at WebioKey Discussions:1. Webio Announcements: Cormac teases with upcoming exciting announcements from Webio, hinting at significant developments that could impact the industry.2. UK Economic Update: The UK's GDP rose by 0.3% in November 2023, recovering from a 0.3% decrease in October. Retail, car leasing, and computer games sectors performed well, particularly during Black Friday. However, the Federation of Small Business reports increased business running costs, and the British Chamber of Commerce notes a rise in business confidence.3. Motor Finance...
2024-01-1526 min
Credit ShiftNews Update: Holiday Reflections and Economic and AI Trends for 2024This episode features a conversation between Paul Sweeney, Co-Founder and Chief Strategy Officer at Webio, and Cormac O'Neill, CEO of Webio. They discuss various topics, including: 1. Personal Christmas Experiences: Both share their holiday experiences, highlighting the importance of downtime and relaxation. Cormac mentions reading books, while Paul reflects on spending a quiet Christmas at home. 2. Economic Outlook for 2024: They discuss the Bank of England's decision to maintain the bank rate and project economic trends like inflation and interest rates. They also talk about the impact of these trends on consumers and businesses. 3. Buy Now, P...
2024-01-0846 min
Credit ShiftNavigating the Data Revolution: Insights from Experian's Head of Data InnovationThis podcast features Dan Blagojevich, Director of Decision Sciences at Optima Partners, and his co-host Paul Sweeney, co-founder and CSO at Webio, interviewing Marilena Karanika, Head of Data Innovation at Experian. The discussion revolves around leveraging data for better decision-making, particularly in the financial services sector. Marilena emphasises the importance of using data intelligently, especially in light of the fallout from COVID-19 and the cost of living crisis. Key points from the podcast include: 1. Machine Learning and AI in Decision Making: Marilena 's team at Experian has been focusing on large language models, fair...
2023-12-1351 min
Credit ShiftNews Update: Mortgage Trends, AI Regulations, and Poverty DriversHosted by Paul Sweeney, Co-founder and Chief Strategy Officer at Webio, and featuring Delia Jones, Chief Operating Officer at Webio, this podcast episode delves into several key areas in the credit industry.1. General Industry NewsThe UK Finance Household Review for Q1 2023 highlighted a significant decrease in mortgage lending and a rise in house prices to an average of £283,615, driven by a shortage in supply. Despite overall high savings, a decrease in deposit levels signals a potential reduction in pandemic savings. The report emphasised the uneven distribution of savings across income groups, with a third o...
2023-12-1223 min
Credit ShiftNews Update: Rising Debt Levels and The Future Of Payments ReportIn the podcast episode of Credit Shift News Update, hosted by Paul Sweeney, Co-Founder and Chief Strategy Officer at Webio, and featuring Cormac O'Neill, CEO and Co-Founder, the discussion centers around recent trends and challenges in the credit industry. Key points include: 1. Energy Crisis and Household Debt: The UK's energy price cap increase and the resultant impact on households, with a significant portion of people struggling with energy debt and unable to repay overdue energy bills. 2. Credit Card Debt: Rising everyday expenses leading to increased reliance on credit cards, with many households, especially those with chil...
2023-12-0136 min
AI Ireland with Mark KellyE124 Paul Sweeney, Co-Founder and Chief Strategy Officer at WebioToday’s guest is Paul Sweeney, Co-Founder and Chief Strategy Officer at Webio. Previous 2022 and 2021 AI Awards winners Webio are bringing Artificial Intelligence driven conversations to the enterprise. The company's conversational interface uses AI to streamline inbound and outbound customer communications across new and existing channels.
Webio were a finalist in the Best Use of AI in a Consumer/Customer Service Application and Best Use of Responsible AI and Ethics categories at the 2023 AI Awards for addressing debt collection challenges with empathetic, privacy-first and customisable conversational interactions. By tackling customer needs ethically, they enhance customer engagement, agent eff...
2023-11-2321 min
Credit ShiftNews Update: Developments in the Credit Industry, Reports and AI in Customer EngagementPaul Sweeney, Co-Founder and Chief Strategy Officer at Webio, discusses the top stories effecting the credit and finance sector this week.Section 1: General Industry NewsUK Inflation Update: Inflation fell by more than 2% between September and October, with a current rate of 4.6%. Despite this, overall price levels are still 16% higher than in October 2021.UK Mortgage Trends: UK Finance reports an 18% increase in residential mortgage arrears and a 29% rise in buy-to-let mortgage arrears in Q3 of 2023.Irish Household Debt: Economist Dan O’Brien notes a decrease in Irish household debt in 2022, with annual disposable income now exceeding ou...
2023-11-2110 min
Credit ShiftNews Update: Worrying Economic Trends, EU's Digital Identity Mandate & Game Changing AIPaul Sweeney, Co-Founder and Chief Strategy Officer at Webio, and Cormac O’Neill, CEO and fellow founder, delve into the latest developments in the credit industry.In General Industry News, the hosts discuss the UK economy's lack of growth, reflecting broader trends in the eurozone. A Money and Pensions Service survey reveals that 30% of UK adults missed a payment in 2023, with Credit Card payments being the most common. StepChange Debt Charity identifies a concerning trend as more women seek debt advice, with the rising cost of living being a significant worry, particularly for single parents.Th...
2023-11-1029 min
Credit ShiftNews Update: Navigating Inflation, BNPL and Financial InclusionIn this episode of Credit Shift News and Update, Paul Sweeney, the Co-Founder and Chief Strategy Officer of Webio, is joined by his fellow Co-Founder and CEO, Cormac O'Neill. We kick off the show by reflecting on their company's five-plus years as a remote-first organisation in a world increasingly transitioning to remote or hybrid work settings. We then delve into recent news, events, reports, and trends in the credit industry.Getting back to credit news. We start by discussing significant developments in the general industry, focusing on inflation trends and the challenges faced by consumers...
2023-11-0325 min
Credit ShiftExploring the Intersection of AI, Ethics, and Finance with Terry FranklinWith AI revolutionizing all sectors, how does it impact credit, collections, and the entire fintech industry? Terry Franklin, EVP at Qualco Technology, joins us to shed light on this fascinating topic. He shares insights on how Qualco uses analytics-driven fintech solutions and AI to manage non-performing loans, data analytics, and supply chain finance. Terry's stories of applying AI to business processes for enhanced efficiency and customer service are truly enlightening. We navigate the complexities of AI - its opportunities, its challenges, and its implications on our daily dialogues. From profiling population groups through technology to integrating machine...
2023-11-0151 min
Credit ShiftNews Update: Living Wage, Energy Concerns, and AI in BankingIn this week’s update, Paul Sweeney tackles important issues impacting UK workers and consumers. One major highlight was the impending 10% increase in the living wage, benefiting over 460,000 workers. The Living Wage Foundation sets this rate, and it's estimated at £12 across the UK and £13.15 in London, higher than the minimum wage of £10.18. Alarming polling results revealed that many below this real living wage rely on food banks, with 60% having visited one in the past year, and 39% regularly skip meals due to financial constraints.The episode also discussed new obligations for gas and electricity providers to assist customers behin...
2023-10-2609 min
Credit ShiftNews Update: IMF Predictions, Monzo's US Market Entry and Modernizing PaymentsEver wondered how changing financial landscapes can affect your wallet? Let's embark on a journey with Paul Sweeney and Cormac O’Neill, the brilliant minds behind Webio, as we chart the course of the credit industry.In the first section, we dissect some alarming news from the IMF about the UK's growth outlook, a sharp decline in house prices, and the looming debt crisis. The Bank of England also raises concerns about default risks for companies, which could have a ripple effect on jobs and profits. On a brighter note, we explore contrasting trends in household savings be...
2023-10-1326 min
Credit ShiftNews Update: Webio's Conversational AI Success and Big Moves in the Financial IndustryThis week's news update is hosted by Paul Sweeney and features Webio CEO Cormac O'Neill returns to delve into a range of intriguing topics, news stories, events, reports and trends shaping the credit industry today.The episode kicks off with a focus on the General Credit Industry News in the UK. Paul and Cormac share encouraging developments in the economic landscape, particularly regarding inflation. They unveil data from the British Retail Consortium (BRC), revealing a substantial decline in food price inflation, dropping to its lowest point since August 2022. Shop price inflation and non-food inflation also follow suit...
2023-10-0635 min
Credit ShiftUnpacking Customer Needs in the AI Era with Andrew MoorhouseImagine unlocking the potential of AI in your customer service, identifying dissatisfaction before it even occurs. Welcome to Credit Shift, brought to you by Webio.comJoin host Paul Sweeney for a chat with Andrew Moorhouse, founder, and director of consulting at ALTICAL, who's pioneering the application of conversational science and digital transformation in customer service. Feast your mind with insights about how new technological trends can bring forth opportunities that were once mere fantasies. For instance, imagine being able to offer mental health services to millions through the power of digital transformation.We're not...
2023-10-0355 min
Credit ShiftNews Update: Financial Struggles, BNPL, and the Future of LendingJoin Paul Sweeney, co-founder, and Chief Strategy Officer at Webio. In this short episode, Paul ives a run down of happenings in the credit industry. In this episode, Paul examines the struggle of households with their rent and mortgage payments, the impact of maintained interest rates, and the emotional toll this is taking on individuals. He also examines calls on banks, mortgage lenders, and utilities to lend a hand during the winter months. In addition, he touches on the report from the UK's Energy Security and Net Zero Committee and their recommendations for support and customer service...
2023-09-2914 min
Credit ShiftNews Update: FCA Warnings, Fintech Funding, and LLM’s Transformative PowerJoin us for a compelling conversation as Credit Shift host Paul Sweeney is joined once again by Webio CEO, Cormac O'Neill, to examine the latest news, trends, and reports within the credit industry. From the FCA's recent warning to the insurance industry about poor practices to the UK Competition and Markets Authority's enlightening report on AI Foundation models, we leave no stone unturned. Listen in as we also take a close look at Nationwide's remarkable account offering an 8% interest rate, and the crucial implications of digitalisation in treasury management. We're also examining the repercussions of...
2023-09-2222 min
Credit ShiftNews Update: Treasury, Tech, and TrendsCould your company withstand the competitive pressures that fintech brings? How capable is your business to partner and participate in multiple ecosystems? In the latest Webio News Update, Paul Sweeney unpacks the increasing costs of the treasury, taking into account factors like risk and compliance management, maintenance and modernization, payment processing, innovation projects, and talent acquisition. We also discuss the impact of AI, with companies like Ant Financial and Ernst & Young launching tools for wealth management and insurance services and EY Ireland initiating a major AI project. Switching gears, we direct your attention to the...
2023-09-1510 min
Credit ShiftThe Psychology of Credit Choices with Sean O’TooleJoin us on our exploration of the psychological and behavioural aspects of financial services products, with a particular focus on debit and credit cards. Host Paul Sweeney and Dan Blagojevic, together with esteemed guest Sean O’Toole, discuss the utility and emotional value of these products. Drawing from Sean's extensive experience in the US financial services market, we compare how consumers in the US and UK perceive and use rewards cards, cashback cards, debit cards, and credit cards.“One of the things that really built the AmEx franchise was AmEx was one of the few who would actu...
2023-09-111h 02
Credit ShiftNews Update: Blockchain, Amazon Pay, and AI's Impact on Payment SystemsCould the rising fees from Visa and MasterCard be the catalyst that propels blockchain into the mainstream? Join host Paul Sweeney and Webio CEO Cormac O'Neill, to dissect this possibility and more while navigating the evolving landscape of the credit industry. We'll add our two cents on Visa's plan to utilize the Solana blockchain for USDC transactions and the implications this could spell for merchants and consumers alike. Plus, we talk about how a wider range of payment options may be the secret to cutting down transaction costs and why your customers could do with a little h...
2023-09-0830 min
Credit ShiftNews Update: Credit Card Trends, The Future of E-commerce and LLMsJoin us this week as our co-host Cormac O'Neill, Webio's CEO, and I explore the recent trends and updates in the credit industry. We kick off with a discussion on FICO's latest credit card market report, examining the upward trend in spending and missed payments. We share our experiences with credit card usage and ponder over the implications for companies and consumers. The spotlight then turns to Klarna, as we discuss its 26% increase in gross merchandise value in the UK and 14% increase across Europe.We continue our discussion by analyzing the future of e-commerce and financial responsibility...
2023-09-0138 min
Credit ShiftNews Update: Rising Costs, Generative AI, and the CEO PerspectiveThis week, we have our co-host, Webio CEO Cormac O’Neill, back with us to explore recent news stories, events, reports, and trends in the credit industry. As we navigate the highs and lows of the credit industry. Listen in as we unpack the impact of record-breaking wage growth in the UK, the surge in rental costs, and the worrying increase in tenants with only a month's worth of savings. We also analyse the repercussions of the year's energy cost surges and explore the UK government's initiative to ensure fee-free access to ATMs for all. Additionally, we di...
2023-08-2527 min
Credit ShiftNews Update: The Impact of Embedded Finance and AI on the Credit IndustryIn this week's Credit Shift news update, we explore the rise in mortgage arrears and how the embedded finance revolution can offer solutions to those struggling to find financial help.Our CEO, Cormac O'Neill, offers insightful commentary on the recent uptick in mortgage arrears and the increasing financial pressures homeowners and renters face. Together, we discuss how understanding the individual stories of customers can lead to tailored solutions and improved customer experiences. The episode also covers how the world of embedded finance can provide financial services right when and where people need them, making finance more accessible...
2023-08-1918 min
Credit ShiftNews Update: Unraveling Credit Invisibility, Financial Exclusion, and the Future of FinTechBrought to you by Webio.com, Paul Sweeney navigates the latest stories in the credit industry.Unlock the intricate puzzles around credit invisibility and financial exclusion with us, as we shed light on alarming data revealed in a recent LexisNexis report. Get tuned in to the shocking reality of Northern Ireland's high percentage of 'credit invisibles', the surge in short-term loan applications and the unsettling rise in court judgements due to minor unexpected bills. The episode doesn't stop at revealing the darker edges of finance but also introduces you to the silver lining - the innovative venture...
2023-08-1008 min
VUX WorldLLMs and the future of intelligence, with Paul Sweeney, WebioPaul Sweeney is the Chief Strategy Officer at Webio, an award winning conversational AI platform. Paul is a renowned figure in the automation and conversational AI space and joins us to share his thoughts on the future of large language models, the impact they could have for enterprises and what Webio is harnessing LLMs for today.Presented by TidioGrow your online store with the #1 customer success tool for eCommerce. Engage with your customers and website visitors in real-time. Provide personalized product recommendations. Use AI-powered chatbot workflows to move prospects through your sales...
2023-08-031h 24
Credit ShiftNews Update: Mortgage Rates, Consumer Debt Trends, and Economic ImpactsThis is Credit Shift News Update, where host Paul Sweeney navigates the latest stories in the credit industry.This week we closer look at the record high mortgage rates, wages and inflation in the UK, and how these are affecting consumers' ability to manage their debt. We explore the impact of these economic challenges on everything from car finance to student loans, and discuss the government's plan to launch a nationwide fuel finder scheme. We also delve into the measures banks are taking to protect themselves from an increase in arrears, and ponder whether people will opt...
2023-08-0310 min
Credit ShiftAI Adoption and the Future of the Credit and Collections IndustryAre we on the brink of a transformative shiftin the credit and collections industry? This question sets the stage for our thought-provoking discussion with industry experts, Dan Blagojevic (Optima Partners) and Chris Warburton (ROStrategy).“The only changes with AI is if you don't adopt it quickly, then customers will change loyalty to someone else. So you've got to be investing in this stuff now, listening to the customers, and if you're not there, then you're going to fall behind.” – Chris WarburtonWelcome to the first full episode of Credit Shift, brought to you by...
2023-07-2651 min
Credit ShiftIntroducing Credit Shift: Embracing The Future of Credit Through Digital TransformationWelcome to Credit Shift, the podcast tailored for credit industry professionals in the digital era. Hosted by industry expert Paul Sweeney, Chief Strategy Officer at Webio. This podcast aims to tackle the high-level challenges faced by professionals in the credit industry. Brought to you by webio.com, Credit Shift is your go-to resource for navigating the evolving landscape of the credit industry.In each episode, Paul engages in thought-provoking discussions with credit industry leaders, exploring topics such as digital transformation, new business propositions, data strategy, and the forefront of artificial intelligence. Join us as we analyse the...
2023-07-1001 min
RO-AR.com : Numbers, Nuances & ObservationsRevolutionising Contact: AI and Digitalisation TransformationIn a fast-paced digital era, AI and digitization are reshaping the landscape of customer service, enabling organizations to provide more personalized and efficient support. In this discussion with Paul Sweeney from Webio, we discuss the potential impact of AI and digitization on customer service operations exploring the benefits of continuous data collection, contextual understanding, and hyper-personalization. The conversation also delves into the role of conversational AI models, the importance of leveraging real conversational data, and the potential for AI to enhance customer-agent interactions.More insights and videos at https://www.ro-ar.com
2023-07-021h 14
Business Matters with Karl FitzpatrickCormac O'Neill of Webio discusses their solution for debt collection Hosted on Acast. See acast.com/privacy for more information.
2022-08-1314 min
The Voicebot PodcastThe Top Voice AI Stories of the First Have of 2022 with Special Guests - Voicebot Podcast 261Topics today include Amazon's new Astro Robot in operation, the rise of voice AI in the contact center, the increase in acquisitions and large funding rounds, custom branded assistants, Google's sunsetting of conversational actions, and a whole lot more. Speakers breaking down the news of 2022 so far: - Sarah Andrew Wilson - former CCO at Matchbox.io before Volley acquisition - Paul Sweeney - chief product officer at Webio - Eric Schwartz - head writer at Voicebot.ai - Bret Kinsella - founder of Voicebot.ai
2022-07-021h 19
ゆなのみたい！しりたい！ききたい！#15 座右の銘を考えよう！前回の「#14 ゆなを知る！100の質問～基本編～」の質問のなかにあった「座右の銘はなに？」という問いに、ゆなちゃんは「なんとかなるかな〜」って答えたことを受け、そもそも「座右の銘」が分かってなかった？座右の銘ってなに？ことわざなの、四文字熟語なの？ってことで、今回は「座右の銘」の謎を深掘りしていきます。
「座右の銘」とは・・いつも自分の身近に書き記して、自分の戒めとする言葉のことである。 慣用句や故事、ことわざなどの中から選ばれることが多い。 簡単に言うと、自分が生きていく上で大切にしている言葉のことである。（Webio辞書より）それで今回は、日本語・英語・韓国語の3つの言語で座右の銘を決めていきます。まず言葉を調べよう！ってことで、各国の著名人の言葉やことわざを見ていき、自分の今の座右の銘ってなんだろう？と考えていきました。言葉を知って、いまのゆなちゃんにぴったりの座右の銘はなになる？みんなの座右の銘もよかったら教えてね。言葉が一つあるだけで生きるヒントにも原点にも戻れるかも？
この番組の感想、メッセージ、いつでも待っています。座右の銘ももちろん、今困ってるんだよ〜これやってよー！などお便りは「ゆならじメッセージフォーム」（https://forms.gle/XxWm43MgiTpb5j5C6）よりお送りください。SNSでは「#ゆならじ」をつけて呟いてください！次回もお楽しみに。
2022-04-1844 min![RO-AR.com : Informing Risk Operations Strategy [Video Version]](https://d3t3ozftmdmh3i.cloudfront.net/production/podcast_uploaded_episode400/20998770/20998770-1644581364630-5fdddb6800b91.jpg)
RO-AR.com : Informing Risk Operations Strategy [Video Version]5. Mark Oppermann, Webio: Digital Innovation: Handling the digital channel explosionThe full interview with Mark Oppermann at Webio on digital channels, optimisation, chatbots and their future, all in the time of a pandemic lockdown.
More interviews, videos and ideas at https://www.ro-ar.com
2022-02-1129 min
The Remarkable SaaS PodcastA story about overcoming financial challenges and growing a stronger software business by being different, not just better.This podcast interview focuses on product innovation that has the power to make difficult conversations about money, that little bit easier. My guest is Cormac O’Neill, CEO of Webio.
Cormac is an experienced business leader with extensive hands-on experience of multiple aspects of growing profitable businesses. He led myTravelGuide from start-up to €15m turnover in the period ’99 to 2011. He then moved to Voice Sage to establish them as the UKs leading omni-channel customer contact provider.
He loves to inspire and motivate people and teams, challenging, supporting and mentoring them to reach higher than they thought possible. Beyond that, he’s passio...
2021-06-0849 minThe Voicebot PodcastNuance Acquired by Microsoft: Breaking Down the $20B DealMicrosoft announced a $20 billion acquisition of Nuance this past week and Voicebot invited four experts in the field to help break down why the deal makes sense and what it means for the industry. Kavita Reddi is co-founder of Voxta, a provider of automated speech recognition technology for call centers and embedded products. Tom Hebner is vice president of Nueraflash and previously spent a dozen years as head of innovation for voice and AI technology at Nuance. Nate Treloar is co-founder and president of Orbita a leading provider of conversational AI technologies to hea...
2021-04-171h 28
Jaidefinichon JOTHJOTH #6 - El podcast penquista - SEASON 3Edgar: "... yo también tenía el 'haiga' cuando nos conocimos weon, después el nico me webió 1 vez y se me quitó"
Nico: "Si po weon, si hay que educarlos"
Matias Bernal - hace 3 años
// Capitulo 06 del podcast JOTH de Jaidefinichon Season 3
2021-03-142h 30
RO-AR.com : Numbers, Nuances & ObservationsDigital Innovation: Handling the digital channel explosion The full interview with Mark Oppermann at Webio on digital channels, optimisation, chatbots and their future, all in the time of a pandemic lockdown.More interviews, videos and ideas at https://www.ro-ar.comMore insights and videos at https://www.ro-ar.com
2020-12-2029 min
No soy yo, eres túComi´ o no comi´? Inv. Karla MeloEn este quinto capítulo tenemos el tremendo honor de tener a la gran actriz Karla Melo. Hablamos de su gira, como va su vida íntima en esta cuarentena, webió con nosotros, compartió sus historias de amor y también respondió el poco privado sexionario. Esta vez las historias no vendrán de nosotros, vendrán de los invitados para conocerlos más y hacer más entretenido el podcast. Esperamos que les guste. Recuerden seguirnos en nuestros instagrams: https://www.instagram.com/karla_melo_http://www.instagram.com/nosoyyoerestu_podcast http://www.instagram.com/pampam_vinovino http://www.instagram.com/claudi
2020-07-3149 min
No soy yo, eres tú.Comi´ o no comi´? Inv. Karla MeloEn este quinto capítulo tenemos el tremendo honor de tener a la gran actriz Karla Melo. Hablamos de su gira, como va su vida íntima en esta cuarentena, webió con nosotros, compartió sus historias de amor y también respondió el poco privado sexionario. Esta vez las historias no vendrán de nosotros, vendrán de los invitados para conocerlos más y hacer más entretenido el podcast. Esperamos que les guste. Recuerden seguirnos en nuestros instagrams: https://www.instagram.com/karla_melo_http://www.instagram.com/nosoyyoerestu_podcast http://www.instagram.com/pampam_vinovino http://www.instagram.com/claudi
2020-07-3149 min
No soy yo, eres tú¿ Y no viste los globos? inv. Cebolla.En este segundo capítulo de esta temporada tuvimos el honor de compartir con un pulento de la comedia, El Cebolla de Fusión Humor, quien nos habló de su cuarentena, nos webió y respondió el brígido sexionario que teníamos para él. Esta vez las historias no vendrán de nosotros, vendrán de los invitados para conocerlos más y hacer mas entretenido el podcast. Esperamos que les guste. Recuerden seguirnos en nuestros instagrams: http://www.instagram.com/cebollafusionhumor http://www.instagram.com/nosoyyoerestu_podcast http://www.instagram.com/pampam_vinovino http://www.instagram.com/claudiomerlinn
2020-07-1056 min
No soy yo, eres tú.¿ Y no viste los globos? inv. Cebolla.En este segundo capítulo de esta temporada tuvimos el honor de compartir con un pulento de la comedia, El Cebolla de Fusión Humor, quien nos habló de su cuarentena, nos webió y respondió el brígido sexionario que teníamos para él. Esta vez las historias no vendrán de nosotros, vendrán de los invitados para conocerlos más y hacer mas entretenido el podcast. Esperamos que les guste. Recuerden seguirnos en nuestros instagrams: http://www.instagram.com/cebollafusionhumor http://www.instagram.com/nosoyyoerestu_podcast http://www.instagram.com/pampam_vinovino http://www.instagram.com/claudiomerlinn
2020-07-1056 min
Nido De GárgolasCapitulo 3Vuelve el perdido! (Ojo, es capitulo 3 no 4 como dice gargola master)... Se webió porque faltó y se webea porque volvió!
2020-04-141h 04
Radio ditto // Tech, Art & CultureBytes & Pieces // Enterprise Ireland City Insights 2020ditto founder Mike Wilson presents a special episode of Bytes & Pieces, featuring Enterprise Ireland's City Insights Program. This episode is a special feature on Enterprise Ireland’s City Insights Program – a mentor and business development program tailored for Irish companies and the UK market. We hear from Enterprise Ireland on how their program works and firms that mentors can get involved with in City Insights 2020. The chat also features two firms from the 2019 cohort with closing comments from the mentor panel. Jack Finucane Clarke and Padraic Geraghty Senior Market Advisors at Enterprise Ireland UK i...
2019-11-2951 minThe Voicebot PodcastThe ConverCon Interviews with SoundHound, Soapbox Labs, Algolia, and WebioThis week we have four interviews conducted onsite at ConverCon in Dublin in October 2019. First up is Katie McMahon, GM of SoundHound, a leading custom voice assistant development platform, and my guest on Episode #1 of the Voicebot Podcast. Next in line is Niamh Bushnell, chief communications officer of Soapbox Labs. Soapbox is a pioneer around speech recognition for children. Then we have Dustin Coates, the voice search lead at Algolia, a leader in enterprise search. We finish up with Mr. ConverCon himself, Paul Sweeney. He is a co-founder of Webio and is on the front lines launching conversational products for conta...
2019-11-1157 min
Pointless Exercise - A Desipio PodcastWho are the Bears? - Desipio Bears PodcastAndy, Mike and Kyle look back with trepidation at the Bears' loss to the Raiders, look ahead to the return of Mitch Trubisky, ponder the future of Kyle Long (not for long), tell the Mike Murphy "pro bowler" story, look back at Chicago Sports Webio, try to figure out who the Bears are, try not to think about the last time the Bears played a game after a bye, wonder if Matt Nagy still knows that David Montgomery is on his team, make their predictions for the Saints game, consider Drew Brees' legacy, and spend a lot of time...
2019-10-171h 05
The Global Startup Movement - Startup Ecosystem Leaders, Global Entrepreneurship, and Emerging Market InnovationStartup Spotlight - WeBio - Buenos Aires, Argentina
2019-03-0700 min
AI Ireland with Mark KellyE20 Paul Sweeney, EVP Product at WebioPaul Sweeney, EVP Product at Webio discusses Webio's conversational messaging platform, what to expect at this year's Convercon event and much more in episode 20 of the AI Ireland podcast
2018-08-1016 min