The Connector.: Recent Episodes
Koen Vanderhoydonk (The Connector)
Welcome to the connector podcast, an ongoing conversation connecting FinTechs, banks and regulators worldwide. Join CEO and founder Koen Vanderhoydonk as you learn more about the latest available trends and solutions in the markets.
Fintech is swimming in capital, yet the deal count collapses and the message is blunt: the market still funds big ideas, but it no longer rewards sloppy execution. We call this moment the “summer compression” a quiet reset where operational discipline, transparency, and provable trust replace the old era of growth-at-any-cost storytelling. If you build in payments, banking, compliance, or financial technology strategy, this is the shift that will decide who survives the next cycle.
We dig into why Europe is forcing maturity with real deadlines: the EU AI Act makes explainability a live requirement for credit, risk, and fraud models, and instant payments push verification of payee as a baseline safety check. From there, we use Romania’s fintech ecosystem to show how consolidation really looks on the ground: revenue concentration, a profitability gap, and a new hybrid consensus where banks bring scale and trust while fintechs provide the infrastructure plumbing.
Then we zoom out to the modern growth playbook: a profitable neobank expands across markets by staying lean with an AI assistant embedded in operations and by focusing hard on one segment digital nomads and cross-border professionals. That focus ties directly to the next infrastructure upgrade, EPC’s OCTINST and ISO 20022, which aim to make cross-border instant payments feel as seamless as domestic transfers. But speed creates a “speed trap” for fraud teams, so we explore agentic AI, “human plus agent” oversight, and what audit-ready governance must look like when money moves in seconds.
If this helped you see where fintech is headed, subscribe, share the episode with a builder or investor, and leave a review. What part of the trust reset feels most urgent to you right now?
Thank you for tuning into our podcast about global trends in the FinTech industry.
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Cheers
Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Banking used to be easy to picture: a branch, a vault, a core system, and clear boundaries. That mental model is gone. We walk through why modern finance looks more like a nervous system, where the real advantage comes from orchestrating trust, data, and customer experience across platforms that are not banks at all.
We break down the core banking modernisation trap that keeps leaders stuck between two bad options: billion-dollar rip and replace programs or slow decay on legacy mainframes built for overnight batch processing. Then we offer a third path: architectural arbitrage. By keeping the legacy ledger for integrity and adding an API-driven orchestration layer like a financial services operating system, teams can ship real-time products faster and avoid the disaster of “code translation” that turns COBOL spaghetti into newer spaghetti.
From there, we move into embedded finance 2.0 and the battle for the moment of demand. The platform owns the context, the bank provides the balance sheet, underwriting, compliance, and regulated infrastructure. That only works if data interoperability works, so we dig into open banking APIs at massive scale, what PSD3 and FIDA change about data portability, and why treating open finance as mere compliance risks becoming the dumb pipe.
We also connect the dots to sustainable finance and ESG regulation: messy scope 3 emissions data, the ESG data gap, and why lineage tracking is the difference between a defensible model and a dangerous claim. We close with RegTech, greenwashing liability, and the hard question executives cannot avoid: if banking becomes invisible, how do you keep loyalty and trust? Subscribe, share, and leave a review, then tell us what part of this new banking stack you are rebuilding first.
Thank you for tuning into our podcast about global trends in the FinTech industry.
Check out our podcast channel.
Learn more about The Connector.
Follow us on LinkedIn.
Cheers
Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Thank you for tuning into our podcast about global trends in the FinTech industry.
Check out our podcast channel.
Learn more about The Connector.
Follow us on LinkedIn.
Cheers
Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Your banking app looks smooth for the same reason a city looks calm from street level: the messy machinery is buried. We peel back that surface and map the financial market infrastructure that actually moves value, from payment rails and clearing houses to the cloud vendors and software dependencies that can take the whole system down with one bad update. The through-line is engineering trust in a world that is faster, more interconnected, and increasingly automated.
We dig into how the EU’s Digital Operational Resilience Act (DORA) changes the game by forcing operational transparency, not just compliance. That leads to integrated governance, risk, and compliance (GRC) platforms that link ICT assets to controls, vendors, and business impact so institutions can trace cascading failure before it hits. Then we jump to the identity layer: the Legal Entity Identifier (LEI) as a global public good born out of the 2008 information blackout, its mapping services that translate legacy codes, and the verifiable LEI (vLEI) that uses cryptography to prove a real person is authorized to act for a real firm. We also connect ISO 20022 payment messaging to fewer false positives in sanctions screening and faster straight-through processing.
From there, we tackle tokenization, wholesale CBDC, and atomic settlement: smart-contract delivery versus payment that compresses T+2 into near real time, cuts counterparty risk, and frees collateral. Finally, we look at agentic commerce where AI agents read contracts and negotiate on our behalf, the hallucination problem and fixes like retrieval-augmented generation (RAG), and the looming “know your agent” challenge as bots start acting as financial counterparts. We close on the data avalanche: narrative data, disinformation, and why trusted data oracles may be as important as the money rails themselves. If this made you rethink how finance actually works, subscribe, share, and leave a review. What part of the new trust stack feels most fragile to you?
Thank you for tuning into our podcast about global trends in the FinTech industry.
Check out our podcast channel.
Learn more about The Connector.
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Cheers
Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
We sit down with Hind from GraydonCreditsafe to unpack how global data, clear indicators, and ethical AI help banks and SMEs make faster, safer decisions. From cross‑border risk and KYC/KYB orchestration to partnerships that fight fraud, we map the path to trusted growth.
• Graydon Creditsafe merger unlocking local depth and international reach
• Balancing KYC, KYB and AML with operational speed
• Standardising cross‑border company data and formats
• Turning complex reports into clear, intuitive indicators
• Empowering SMEs with credit health, governance and resilience signals
• Responsible AI principles and training with quality data
• Partnerships with Harmony for orchestration and Data Village for fraud prevention
• How to connect for collaboration and next steps
To connect and keep up to date with all the latest, head over to www.jointheconnector.com or hit subscribe via your podcast streaming platform
Thank you for tuning into our podcast about global trends in the FinTech industry.
Check out our podcast channel.
Learn more about The Connector.
Follow us on LinkedIn.
Cheers
Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Deals worth millions still start with a handshake, even as AI prices risk in milliseconds. We dive into Finance X’s milestone 20th edition to map how insurance is shifting from shiny apps to deep architecture—modern MGAs that wrap legacy balance sheets with real-time data, AI underwriting engines, and API-driven distribution. We explore why authenticity is the scarce signal in a world of perfect pitches, how events flip mindsets from inbox defense to open discovery, and why only a small slice of conversations become sales yet compound into 12–18 month wins.
From there, we trace the product and capital overhauls defining 2026. Cyber coverage now operates like an active security service, preventing claims before they exist. Embedded insurance matures beyond checkout buttons into full lifecycle servicing that handles midterm changes, complex claims, and audits without ejecting users into legacy workflows. As data volumes surge, open insurance and the EU’s FIDA framework push hard questions about governance, access, and monetization—balancing privacy with the data liquidity AI needs to perform.
On the balance sheet, risk migrates into global capital markets via insurance-linked securities. Parametric triggers and smart contracts deliver instant, objective payouts and uncorrelated yield, while sovereign ILS turns pre-funding resilience into a macroeconomic stabilizer. Regional spotlights ground the theory: Belgium’s SME consolidation accelerates with M&A insurance replacing escrow; Romania’s Web3 oracles reveal the clash between “code is law” and civil law; and Ireland sets the bar with a simple standard—tested, evidenced, defensible. We close with the core dilemma: when frictionless systems fail, does accountability rest with the algorithm or the human who shook on the deal?
If this lens helps you navigate AI underwriting, MGAs, embedded servicing, ILS, and the coming wave of financial market infrastructure change, follow the show, share it with a colleague, and leave a review with your biggest question—we’ll feature the best ones next time.
Thank you for tuning into our podcast about global trends in the FinTech industry.
Check out our podcast channel.
Learn more about The Connector.
Follow us on LinkedIn.
Cheers
Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Your money choices no longer start inside a banking app—they start with a question to an AI. We unpack how that single shift rewires the entire financial stack: banks scramble to reclaim the decision moment with governed insights, advisors fight the “swivel chair” of disconnected tools, and investors treat digital businesses like rental properties while silver surges on AI and solar demand.
We walk through the new playbook for banks: stop being a toll booth and become a trusted guide. That means using verified data, personal risk profiles, and legal accountability to outclass generic models and earn the moment of conviction. On the human side, we dig into portfolio intelligence that quietly reduces drag, flags the one action that matters, and gives advisors time to deliver the real value—timely calls, calm in volatility, and clear communication.
The asset map has expanded. Online businesses now trade through matching engines that bundle diligence and legal workflows, creating liquidity for the missing middle. At the same time, silver’s rally is a tech story, not a doomsday hedge: inelastic supply collides with soaring demand from chips and solar. Infrastructure tells its own story too—Latvia’s embrace of MIFID compliance turned regulation into a trust signal, while tokenization shed its hype and became plumbing for faster settlement and fractional access.
All of this meets a generational tide: $83.5 trillion shifting to younger investors who want education over sales. We highlight platforms that teach through micro-lessons and safe sandboxes, and small-business tools that bring back relationship banking with data-driven empathy. The throughline is simple: technology wins when it makes finance feel human and accountable. If algorithms move faster than oversight, governance and trust become the hard currency. Stream the conversation, then tell us: who earns your first question—and why? Subscribe, share, and leave a review to help others find the show.
Thank you for tuning into our podcast about global trends in the FinTech industry.
Check out our podcast channel.
Learn more about The Connector.
Follow us on LinkedIn.
Cheers
Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Tired of brittle report pipelines that buckle under volume and stall behind IT tickets? We sit down with Marko, CEO of CxReports, to unpack how modern teams automate client statements, invoices, and performance reports at massive scale without sacrificing security or brand consistency. From the first spark of buyer frustration to a confident, phased migration, we trace the path that moves organizations off legacy tools and into a streamlined, API-driven workflow.
Marko explains why automation and integrations matter more than ever, especially for finance and healthcare, where compliance is nonnegotiable. You’ll hear how CxReports functions as a pass-through engine, pulling data to generate documents and discarding it immediately, to satisfy strict data protection requirements. We also discuss real operational wins: a pension fund consolidates five fractured tools into one flow, generating 40,000 multi-page statements in an hour, automatically emailing digital recipients, and exporting a single print-ready PDF for postal delivery. The payoff is faster cycles, clear audit trails, and documents that finally look as good as they read.
We dig into the hidden costs of outsourced IT, where simple updates can take weeks and drain budgets. Reclaiming ownership inside business teams shortens feedback loops and keeps reporting responsive to market and regulatory changes. Finally, we look ahead to AI-first reporting, where natural-language prompts design templates, map data, and propose visualisations bringing true self-service to high-stakes communication. If your organisation sends thousands of PDFs a month and needs reliable, compliant delivery, this conversation will help you see what a modern reporting stack can do.
Enjoyed the conversation? Follow the show, share it with a colleague who fights reporting fires every month, and leave a quick review with your biggest reporting challenge. We might feature it next time.
Thank you for tuning into our podcast about global trends in the FinTech industry.
Check out our podcast channel.
Learn more about The Connector.
Follow us on LinkedIn.
Cheers
Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
We unpack why KYC in payments became so heavy and how to make it almost invisible with data orchestration, deep KYC, and thoughtful UX. NABU’s approach prefills profiles from trusted sources, uses AI to verify the real world, and gives analysts clear, auditable evidence.
• mission to move from onboarding to no boarding
• why payments face extra AML and sanctions scrutiny
• balancing seamless UX with regulatory obligations
• EU AMLD6, UBO access, and national eID schemes
• API orchestration across multi-country data sources
• deep KYC using unstructured data and storefront checks
• analyst-first design with explainable reports and flags
• access and fairness gains when onboarding gets easier
To connect and keep up to date with all the latest, head over to www.jointheconnector.com or hit subscribe via your podcast streaming platform
Thank you for tuning into our podcast about global trends in the FinTech industry.
Check out our podcast channel.
Learn more about The Connector.
Follow us on LinkedIn.
Cheers
Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
We map how Belgium’s e‑invoicing mandate and EU initiatives like VIDA, PSD3, and PSR are changing payments, and why compliance delivered via APIs is now a competitive product. We also unpack AI’s impact on onboarding, verification of payee (VoP), and the push for lower, more sovereign fees.
Join us for a podcast with Cedric, CEO of Digiteal.
• API-based payments, e‑invoicing, QR, and open banking
• Belgium’s Peppol mandate and fast adoption
• VIDA and the road to cross-border e‑reporting
• Compliance as a service under PSD2/PSD3 passporting
• Aera acquisition and retail card-present synergies
• Fintech for good through lower transaction fees
• AI-driven onboarding with authentic sources
• Verification of pay for IBAN-to-name matching
• Expansion across Europe using a repeatable playbook
• How to start with GTeal’s docs and APIs
To connect and keep up to date with all the latest, head over to www.jointheconnector.com or hit subscribe via your podcast streaming platform
Thank you for tuning into our podcast about global trends in the FinTech industry.
Check out our podcast channel.
Learn more about The Connector.
Follow us on LinkedIn.
Cheers
Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
We sit down with Xavier Corman to unpack how Finrack turns inventory into financeable collateral using real-time pricing and a sale-and-buyback model. The conversation spans EU cross-border advantages, practical AI, and why better inventory KPIs drive both growth and sustainability.
• founding story and links to FinTech Belgium and EDFA
• the SME financing gap when inventory is the asset
• how real-time pricing enables flexible funding
• case study of an organic bakery scaling seasonal output
• regulation via sale and buyback rather than loans
• cross-border VAT mechanics inside the EU
• integrations with WMS and ERP for daily data
• operational KPIs that reduce waste and warehouse size
• practical use of AI for data cleaning and analysis
• broker-led go-to-market and market expansion
• client testimonials and rising demand across Europe
• where to enquire and how to qualify
If you want to know more, go to finrack.com, fill in the three fields, and we will contact you back.
Thank you for tuning into our podcast about global trends in the FinTech industry.
Check out our podcast channel.
Learn more about The Connector.
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Cheers
Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
We explore with Alexander from Solanteq, what makes a payments platform truly modern: cloud-native, modular, API-first, and regulation-ready, with the ability to scale from small pilots to global volume. We share a vision for “payment autopilot” and how multi-rail orchestration and AI can make payments feel invisible.
• Cloud-native, modular architecture for issuing, acquiring and settlement
• API-first integration with legacy and new systems
• Compliance by design and predictable audits
• Data streaming for analytics and added-value services
• Managing legacy tails while moving to future rails
• Multi-rail strategy for cross-border and instant payments
• Payment orchestration across simple and complex flows
• Practical roles for AI in risk, routing and efficiency
• Vision for a consumer and merchant “payment autopilot”
• How to contact the team to start modernising
To connect and keep up tonight with all the latest, head over to www.join theconnector.com or hit the client on your podcast or
Thank you for tuning into our podcast about global trends in the FinTech industry.
Check out our podcast channel.
Learn more about The Connector.
Follow us on LinkedIn.
Cheers
Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
We dig into how AI changes the risk surface for banks and fintechs and why identity must be designed from the start. Sutton Maxwell of Curity shares how to set API guardrails, balance friction with trust, and choose hybrid architectures that meet regulation without killing speed.
• What Curity does for API security and identity
• Why AI pilots fail without early security design
• Common mistakes when teams bolt on controls late
• How to balance UX with risk‑based friction
• US speed vs EU regulation on AI adoption
• Hybrid, multi‑cloud, and cloud exit strategies
• Practical advice for fintech founders on KYC, OAuth, OIDC
• Turning compliance into a growth advantage
To connect and keep up to date with all the latest, head over to www.jointheconnector.com or hit subscribe via your podcast streaming platform
Thank you for tuning into our podcast about global trends in the FinTech industry.
Check out our podcast channel.
Learn more about The Connector.
Follow us on LinkedIn.
Cheers
Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
We explore how fintechs can move fast without breaking compliance, turning frameworks like DORA, NIS2, ISO 27001, SOC 2, and PCI DSS into a shared foundation for resilience. Copla’s blend of automation and expert guidance shows why continuous audit readiness beats fire drills and how vendor risk can be managed at scale.
• origin story and why compliance pain inspired Coppla
• mapping across frameworks, including DORA, NIS2, ISO 27001, SOC 2, PCI DSS, MiCA
• automation plus expert support for clarity and speed
• vendor risk management and the DORA third‑party register
• continuous audit readiness and always‑on evidence
• cybersecurity link to compliance via resilience and exercises
• cautious, guardrail AI for evidence verification
• global applicability and rapid framework onboarding
• roadmap: deeper vendor risk, risk management, awareness training
• who should contact Coppla and where to find them
If you have any compliance issues, I'm sure many companies do. If Dora, Mika, PCI DSS, or ISO 2701 are on your radar, contact us. If you have already sold those things, or to some extent, you can still contact us because we can help you recertify and so on. We can still automate some stuff you probably do manually in Excel or similar tools. If that's on your radar, then let us know. Well, the best thing would be to go to our website, www.copla.com, and they can reach out to us there. To connect and keep up to date with all the latest, head over to www.jointheconnector.com or hit subscribe via your podcast streaming platform.
Thank you for tuning into our podcast about global trends in the FinTech industry.
Check out our podcast channel.
Learn more about The Connector.
Follow us on LinkedIn.
Cheers
Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
We explore how Hong Kong serves as a precise, high‑density launchpad for European fintechs, combining global finance access with practical, domain‑based regulation. Paula Kent and Fernando from Invest Hong Kong share tactics, sectors with pull, and concrete wins founders can model now.
• Hong Kong’s financial hub status and market density
• Differences between the EU scale and the Hong Kong focus
• Domain‑based regulation for virtual assets and stablecoins
• Common law familiarity and clear licensing scope
• Follow‑the‑customer entry strategy for faster wins
• Accelerators, events, and investor access in the city
• Cross‑border capital flows via Stock, Bond, and Wealth Connect
• High‑opportunity areas: payments, crypto, e‑commerce, insurtech
• Science Park links to the Greater Bay Area for trials
• Case studies: DePAM asset management, Fineos, CurrencyFair
• Near‑term trends and how to reach Invest Hong Kong
To connect and keep up to date with all the latest, head over to www.jointheconnector.com or hit subscribe via your podcast streaming platform
Thank you for tuning into our podcast about global trends in the FinTech industry.
Check out our podcast channel.
Learn more about The Connector.
Follow us on LinkedIn.
Cheers
Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
We connect the dots between KYB, UBO rules, and open data, showing how structured official records cut risk and speed up onboarding. We also explore agentic commerce, the rise of perpetual compliance, and why human oversight remains essential. Join Toon Vanagt, founder and CEO of Data.be.
• data.be’s single view across Belgian registers
• KYB across onboarding, credit, and ongoing checks
• UBO transparency, purpose, and new access limits
• moving from reactive to perpetual monitoring
• scoring deltas between claims and official data
• Europe’s mixed openness and paid registers
• guardrails for AI agents and accountability
• banks insourcing cores, vendors handling edge cases
• hybrid workflows with human in the loop
• contact paths for KYB solutions and integrations
To connect and keep up to date with all the latest, head over to www.jointheconnector.com or hit subscribe via your podcast streaming platform
Thank you for tuning into our podcast about global trends in the FinTech industry.
Check out our podcast channel.
Learn more about The Connector.
Follow us on LinkedIn.
Cheers
Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
We explore how AI and behavioural science can make debt collection more humane, more effective, and easier to scale across Europe. PAIR Finance explains reinforcement learning, a single international platform, and why recovery and retention go hand in hand.
• AI-driven collections with behavioural science
• Reinforcement learning optimising tone, timing, channels
• One platform operating in 11+ European markets
• Compliance with EU AI rules and local licenses
• Recovery rates improved while protecting retention
• Inbound automation with a generative AI agent
• Human support for complex and sensitive cases
• Event strategy for partnerships and education
• Unified dashboards and transparency for clients
To connect and keep up to date with all the latest, head over to www.jointheconnector.com or hit subscribe via your podcast streaming platform
Thank you for tuning into our podcast about global trends in the FinTech industry.
Check out our podcast channel.
Learn more about The Connector.
Follow us on LinkedIn.
Cheers
Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
We explore how Europe’s fragmented credit data blocks fair lending for people who move across borders, and how Mifundo connects bureaus and banks to make financial identities portable. We share progress to 17 countries, the mindset shift lenders need, and how to use AI under EU high‑risk rules without black boxes.
• fragmentation of European credit data and its impact on borrowers
• difference between cross‑border credit and financial mobility
• historical and regulatory reasons for national silos
• access barriers to registries and legal limitations
• mindset and cultural inertia within banks and supervisors
• Mifundo’s coverage of 17 countries and 70% of population
• bank partnerships across Spain, Greece, Romania, Scandinavia and the Baltics
• ecosystem goal serving bureaus, banks and consumers
• AI usage with transparency under the EU AI Act
• practical endgame: seamless lending regardless of borders
Please find me on LinkedIn. You can contact me there or via email as well.
To connect and keep up to date with all the latest, head over to www.jointheconnector.com or hit subscribe via your podcast streaming platform
Thank you for tuning into our podcast about global trends in the FinTech industry.
Check out our podcast channel.
Learn more about The Connector.
Follow us on LinkedIn.
Cheers
Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
The ground under finance moved, and most people only felt a rumble. We spent 2025 translating messy tech estates into DORA‑ready living registers, turning spreadsheets into real‑time risk maps, and discovering that fintech isn’t a sidecar anymore—it’s the engine. When a major processor or open banking provider hiccups, payments across entire regions stall. That’s why regulators accelerated, why critical third parties now face continuous oversight, and why instant payments became Europe’s quiet new normal.
We walk through the practical realities of this shift: how DPM 4.0 and XBRL CSV forced banks and fintechs into a shared language; how SCT Inst mandated 24/7/365 settlement and price parity; and how compliance stopped being a box to tick and started acting like telemetry you can steer with. Then we pivot to AI, where the real gap isn’t enthusiasm—it’s insurance and accountability. Traditional policies didn’t imagine self‑learning systems that fail without a hack or a human mistake. Enter AI assurance: controlled testing, stress simulation, and continuous scoring that translate governance into measurable evidence aligned to the EU AI Act’s high‑risk rules hitting in 2026.
Of course, intelligent agents need rails they can actually use. That’s where DeFi’s programmable architecture, stablecoins like USDC and PYUSD, and agent payment protocols meet internal policy engines to build compliant, verifiable machine transactions. Alongside, we show how teams killed the Excel grind by automating customer reports that cut churn and DSO, and by issuing immutable premium reports for boards and regulators. Beyond the big hubs, APAC’s VLEI momentum, India’s privacy advantage, and Latvia’s capital‑efficient scale point to a broader acceleration powered by standards and verifiable data.
The takeaway is simple and demanding: the winners in 2026 will treat compliance as a product feature, build AI‑literate operations, and interoperate across cards, account‑to‑account, and stablecoin rails. Real‑time is here, rules are written, and execution is the frontier. If AI is about to run finance at machine speed, who should own the proof of continuous resilience? Subscribe, share, and tell us your view—because the answer will define the next decade.
Thank you for tuning into our podcast about global trends in the FinTech industry.
Check out our podcast channel.
Learn more about The Connector.
Follow us on LinkedIn.
Cheers
Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
What if your systems could instantly verify not just a company’s identity, but that a specific person or agent is truly authorized to act for it? We sit down with Alexandre Kech, CEO at GLEIF, to unpack how the Legal Entity Identifier became the world’s backbone for business identity and how the new Verifiable LEI brings authority, delegation, and digital trust into the open—across web, apps, and cross‑border workflows.
We trace the journey from post‑2008 regulatory gaps to a global, regulator‑overseen public good that maps who is who and who owns whom. Alex explains how vLEI upgrades identity by binding official organizational roles—directors, UBOs, CFOs, even AI agents—to a company through cryptographic, verifiable credentials. That means cleaner onboarding, true single sign‑on for enterprises, role‑based digital signatures that stand up to audit, and safer integrations with suppliers, banks, and platforms. We explore the trust architecture end‑to‑end: the root of trust, accreditation of Qualified vLEI Issuers, and how companies can extend credentials internally to staff and systems.
Asia-Pacific’s momentum takes center stage, with rapid growth in LEI issuance, a critical mass of QVIs, and forward‑leaning pilots. Hear how fragmented jurisdictions and busy trade corridors turn vLEI into an interoperability layer for payments, trade, and compliance.
If this conversation helps you see identity and authority in a new light, follow and share the show with a colleague who cares about payments, compliance, or digital trust. Subscribe for more deep dives, and leave a review to tell us where you want vLEI adopted next.
Thank you for tuning into our podcast about global trends in the FinTech industry.
Check out our podcast channel.
Learn more about The Connector.
Follow us on LinkedIn.
Cheers
Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Money now moves at machine speed, and the rules of trust, identity, and loyalty are being rewritten in real time. We break down how banks are collaborating on shared utilities, why a 20-character LEI is becoming a passport for cross-border payments, and where BNPL’s rapid growth collided with transparency as FICO pulls installment data into mainstream credit scoring. Along the way, we explore why a checkout that ignores local habits can sink conversion, with Poland’s BLIK and parcel lockers as proof that acceptance is end-to-end, not just a card toggle.
We also separate headline hype from bank-grade reality on digital assets. Stablecoins may dominate newsfeeds, but hidden on-ramp, FX, and compliance costs often dull their edge. Tokenized deposits—regulated bank money represented digitally—offer a cleaner fit with existing oversight and core systems, turning DLT into a cheaper rail rather than a new currency. Then we zoom out to the strategic map: the U.S. normalizing stablecoins and the EU weaving MiCA, DORA, and PSD3 into resilience-first rails. Who scales faster: dollar-denominated networks or integrated euro infrastructure?
The final act looks straight at autonomy. India’s live UPI pilot links AI agents to real payments, where your assistant buys the coffee, picks the optimal card, and reallocates your cash to the highest yield—no human required. That’s an earthquake for loyalty programs and deposit margins built on inertia. We confront the European roadblocks—SCA’s human-in-the-loop, GDPR’s purpose limits, and the AI Act’s high-risk rules—and the looming question of liability when an agent misfires. Our message is clear: don’t chase headlines, chase readiness. Build shared trust layers, adopt standardized identity, and make product terms machine-readable so you can switch on agent-safe capabilities in weeks, not years. If this conversation sparked ideas or pushback, subscribe, share with a colleague, and drop a review telling us whether you think brand loyalty survives relentless optimization.
Thank you for tuning into our podcast about global trends in the FinTech industry.
Check out our podcast channel.
Learn more about The Connector.
Follow us on LinkedIn.
Cheers
Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
The biggest fintech wins don’t start with features—they start with identity. We sat down with Curity CEO Gustav Sahlman fresh off Nordic Fintech Week to unpack why identity is now the strategic layer for conversion, retention, and rapid product launches, and how AI is reshaping what customers expect from every interaction. From passkeys and biometrics to data sovereignty and deployment freedom, we dig into practical choices that make security feel effortless while staying compliant across KYC, AML, and GDPR.
Gustav brings a builder’s perspective on cloud‑native IAM: portable architecture for API‑rich environments, orchestration for human and non‑human users, and the freedom to run on‑prem, in private or public cloud, or as a managed service. We explore how to avoid vendor lock‑in, tune user journeys for different segments, and adopt passwordless flows that cut friction without weakening assurance. Along the way, we address the global UX bar set by Apple Pay, Google Wallet, and industry wallets in Europe—and why even local fintechs must design to that standard from day one.
AI shows up as both accelerant and risk. Agentic systems can guide onboarding and support in natural language, but they also introduce new identities—bots, services, and tools—that need scoped access, auditability, and revocation. We talk real‑world pitfalls like convenience traps where user data is quietly used for model training, and we share how to keep sovereignty intact with clear consent, minimization, and standards like MCP for safer integrations. If you’re building in fintech and want security, speed, and UX to rise together—not trade off—you’ll find a blueprint here.
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Koen Vanderhoydonk
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FinTech #RegTech #Scaleup #WealthTech
The hype cycle is over; the results era is here. We unpack how finance moves from shiny demos to measurable outcomes by pairing agentic AI with the enterprise plumbing that actually makes change stick: orchestration, shared standards, and rigorous governance. Along the way, we confront the 93% project failure narrative and show why a simple time filter—necessary, automatable, delegable—cuts through noise and aligns work with true ROI.
We walk through real examples that shrink lending cycle times from months to minutes, explain why outcome-based pricing beats per-seat models, and clarify the critical differences between reactive generative tools and proactive, goal-driven agents. Then we zoom out to the architecture that turns outputs into outcomes, from orchestration as the command layer to BIAN’s service domains and business object model that finally give banks a common language. Security and resilience get equal weight as we step into the AI-versus-AI battlefield and map how DORA and the EU AI Act overlap, including provider vs deployer responsibilities and incident reporting that keeps operations and model risk in check.
There’s more: the accessibility mandate reshapes what “done” means for digital onboarding and automated flows; wealth tech emerges as the next growth engine with a massive generational transfer on the horizon; and social impact cases show AI driving nonprofit income stability and financial literacy at scale. Through it all, we return to the human edge—professionals who translate automation into trust, navigate ambiguity, and make better decisions with cleaner data and clearer guardrails.
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Koen Vanderhoydonk
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FinTech #RegTech #Scaleup #WealthTech
Finance is being fundamentally rebuilt and re-architected as credit becomes woven into our digital lives rather than something we seek out separately. This shift toward invisible, embedded finance is changing how individuals and businesses access and manage money, with fintechs often leading the charge.
• Invisible lending is embedding finance directly into digital experiences like e-commerce checkouts and business software
• Traditional banks risk becoming less relevant if they don't adapt to new distribution models in digital spaces
• AI is transforming financial processes, completing credit assessments in minutes instead of hours or months
• European and Asian regions approach fintech innovation differently – Europe like chess (methodical, rule-heavy) and Asia like go (fast, agile, experimental)
• Cross-border credit invisibility affects thousands of Europeans who become "credit invisible" when moving between countries
• Only 1% of VC funding in Europe went to women-only founding teams in 2023 despite research showing strong returns
• The future of property finance involves holistic dashboards tracking value, renovation opportunities, and environmental impact
• Revenue-based financing provides SMEs with flexible repayments based on actual income, better matching business reality
• Singapore demonstrates integrated property tech systems connecting smart buildings, resident apps, and digital financing
• The Nordics show successful collaboration between banks and fintechs in creating agile lending ecosystems
As finance becomes more embedded and invisible, the challenge becomes ensuring your financial reality is fully seen and properly understood by AI systems and platforms.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
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David Grundy takes us behind the scenes of Nordic Fintech Week, revealing why this gathering has become Europe's premier dedicated fintech event. Unlike other technology conferences that cover multiple domains, Nordic Fintech Week maintains a singular focus on financial technology, creating a unique space where startups and established institutions converge with shared purpose.
The 2023 theme, "Can we keep technology human?" perfectly captures the event's philosophy. As Grundy explains, the goal is making complex technologies tangible and valuable: "You're telling me all this stuff is great, but show me what that actually means for me as a customer, what does it mean for me as a bank, what does it mean for me as an individual." This approach transforms abstract concepts like AI and quantum computing into practical applications with real-world impact.
What truly distinguishes Nordic Fintech Week is how it embodies fundamental Nordic cultural values – collaboration, trust, respect, and inquisitiveness. The event intentionally creates spaces for meaningful human connection, from dedicated networking areas to signature experiences like the morning run where CEOs and developers connect in a relaxed environment. The Nordic Fintech Awards showcase innovative solutions with demonstrated traction, maintaining complete independence and integrity in their selection process. With meticulous program curation and overnight venue transformations that Grundy describes as "completely insane," everything serves one purpose: fostering the connections and collaborations that drive fintech innovation forward.
Whether you're a startup founder, financial institution executive, investor, or technology enthusiast, Nordic Fintech Week offers a uniquely valuable experience. Join us May 24-26 in Copenhagen to experience this remarkable convergence of technology and humanity – where the future of finance takes shape through genuine connection and collaboration. Register now and become part of the conversation that's defining the next generation of financial services!
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Koen Vanderhoydonk
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FinTech #RegTech #Scaleup #WealthTech
Ever wonder how a small Estonian startup transformed into a multi-country European bank during one of the most challenging periods in modern financial history? InBank's remarkable journey proves that crisis creates opportunity for those innovative enough to seize it.
After the 2008 financial crisis, when traditional banks pulled back from consumer finance and technology investment, InBank recognized a critical market gap. Their "killer feature" in 2011 was remarkably simple yet revolutionary: fully automated credit decisions and contracts for in-store purchases completed in minutes. This singular focus on seamless customer experiences at the point of sale became their competitive advantage.
What makes InBank's story particularly fascinating is their strategic approach to expansion. Rather than competing directly with traditional banks, they secured a European banking license primarily to access retail deposits as a stable funding source. This enabled their passport across borders, though CEO Priit candidly reveals the challenges of scaling across Europe: "It's not the single market as it is on paper." Despite regulatory harmonization efforts, each country requires significant localization of processes, from identification methods to credit bureau integrations.
Today, InBank exemplifies the evolution of embedded finance, creating tailored experiences for specific verticals—from Apple device rentals to solar panel financing with synthetic securitization. Their focus on medium-ticket purchases (€1,000-25,000) where speed and convenience matter most has attracted 6,000+ partners across multiple countries. As they describe themselves, they're "a fintech with a banking license," bridging traditional banking capabilities with technological innovation.
Curious about partnering with this European embedded finance pioneer? Connect directly with InBank's CEO at priit@inbank.ee to explore opportunities for collaboration in this rapidly evolving financial landscape.
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Koen Vanderhoydonk
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FinTech #RegTech #Scaleup #WealthTech
Decrypting the language of markets through sound, frequency, and vibration isn't just a headline-grabbing concept – it's the foundation of OmniWave Fintech's revolutionary approach to wealth management. In this thought-provoking conversation, CEO and founder Adam Rubin reveals how his team has developed a system that transforms market noise into consistent returns, particularly in the deep waters of the Forex market.
What sets OmniWave apart isn't just their algorithmic prowess but their radical commitment to transparency. Adam articulates the pain point brilliantly: traditional systems force wealth managers to send funds to hedge funds, lose custody control, and wait blindly for results or the occasional PDF report. OmniWave's solution? Real-time visibility of every position, one-click downloadable reports, and full custody retention. For institutional investors tired of black-box solutions, this transparency revolution is precisely what they've been seeking.
Perhaps most fascinating is OmniWave's unexpected journey into serving NGOs and nonprofits. Adam observed a paradoxical reality: "The more philanthropic the organization is at its core, the less financially competent it actually turns out to be." This insight led to helping these organizations achieve financial self-sufficiency rather than perpetual dependency on grants and donations. From Formula One teams allocating 3% of budgets to risk-reward programs to luxury manufacturers seeking financial engines, Adam paints a compelling picture of institutions craving tools that create self-perpetuating funds. Looking ahead, he anticipates increasing market volatility alongside rapid technological advancement – a perfect storm of challenge and opportunity for those equipped with the right tools. Ready to decode the markets? Connect with Adam through OmniWaveFintech.com to explore their digital library and learn more about this unique approach to wealth technology.
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Koen Vanderhoydonk
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FinTech #RegTech #Scaleup #WealthTech
Emmanuel Daniel, founder of TAP International and author of "The Great Transition," explores the fascinating connections between ancient snake mythologies, humanity's quest for immortality, and the rise of artificial intelligence in the financial industry.
• Mythologies across cultures show humanity's aspiration for godlike powers and immortality, with snakes symbolizing renewal without true immortality
• AI represents our latest attempt to achieve godlike status but may contain built-in limitations that prevent humanity from self-destruction
• Different governance approaches exist globally: European principles-based systems versus American rules-based frameworks
• AI fundamentally transforms financial services by enabling unprecedented disintermediation between institutions and customers
• Banks must redefine their intermediation role as agentic AI allows end users to build their own interfaces
• Back-office operations are being dramatically simplified, reducing technology's status as a competitive differentiator
• Financial institutions should prioritize adapting to AI's core impacts rather than just resisting disruption
For more information, visit Emmanuel Daniel's blog at emmanueldaniel.com
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Koen Vanderhoydonk
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FinTech #RegTech #Scaleup #WealthTech
Finance is undergoing a radical transformation that's redefining how we think about money, technology, and trust. The latest edition of Finance X Magazine pulls back the curtain on these changes, revealing a landscape where artificial intelligence has moved from experimental to essential.
The numbers tell a compelling story: 85% of Belgian financial institutions now maintain dedicated AI units—a staggering jump from just 37% last year. This isn't superficial adoption; it's a fundamental strategic pivot affecting everything from talent development to organizational structure. Graph LLMs are emerging as particularly powerful tools, connecting complex data points to detect fraud patterns and personalize customer experiences with unprecedented precision.
Beyond AI, we explore how geography and regulation are reshaping global fintech. Europe has become a magnetic destination for Asian fintech expansion thanks to its passporting system—one license unlocks an entire continent. Meanwhile, in Turkey, a startup called Midas achieved the seemingly impossible: doubling the country's investor base in just three years by slashing trade fees from $25 to $1.50 and eliminating minimum balances. Their story demonstrates how technological innovation can create "financial armor" against economic instability.
For established players, adaptation is essential but complex. AXA Partners shows how embedding insurance directly into partner journeys creates seamless customer experiences. Yet Solaris serves as a cautionary tale of growth outpacing operational controls, resulting in regulatory fines and reputational damage. The striking parallel drawn between legacy banks and Yellowstone's John Dutton perfectly captures their challenge: leveraging valuable existing assets while avoiding obsolescence.
As technology accelerates and regulations tighten—from NIS2 cybersecurity requirements to comprehensive crypto frameworks—financial institutions face a profound question: How do we balance innovation with stability, and ultimately, how do we maintain trust at the center of everything we do? Join us as we navigate these crucial questions reshaping the future of finance.
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Koen Vanderhoydonk
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FinTech #RegTech #Scaleup #WealthTech
The financial world stands at a profound inflection point as traditional boundaries dissolve and banking transforms from destination to ubiquitous infrastructure. Finance X Magazine's latest issue unveils how financial services are becoming invisible yet omnipresent, embedding seamlessly into the platforms where we already spend our time.
At the foundation of this revolution lies data standardization through the Legal Entity Identifier (LEI), described as a "global data linchpin" that creates transparency across industries and supply chains. This universal language for entity identification has evolved from post-financial crisis risk management to become essential for sustainability reporting and climate action, enabling companies to finally tackle those elusive scope three emissions by revealing the complex web of business relationships throughout value chains.
For small and medium enterprises, sustainability tracking has historically been prohibitively complex—until now. The groundbreaking "GHG Nowcasting" approach leverages AI to analyze ordinary purchase invoices, automatically generating emissions estimates that transform sustainability from burdensome obligation to strategic advantage. This democratization of environmental data gives SMEs the insights needed to reduce their footprint while providing policymakers a more complete picture for effective climate policy.
Perhaps most transformative is the concept of "beyond banking," where financial services disappear into everyday activities. Examples abound: Amazon users opening savings accounts without leaving the shopping app, healthcare clinics embedding payment plans at the point of care, and banks expanding into energy transition services. This invisible integration creates deeper customer relationships while positioning financial institutions as essential life partners rather than mere transaction processors.
The parallels drawn between sustainable finance and mathematician John Nash's work offer a compelling framework for the collaborative mindset needed today. Just as Nash showed optimal outcomes often require cooperation rather than pure competition, banks must work together to establish ESG standards and tackle the data quality challenges that plague sustainability efforts. This "Nash equilibrium applied to finance" represents a fundamental shift from regulatory compliance to strategic value creation.
As AI accelerates at an astonishing pace—reportedly doubling in intelligence every six months—and digital assets converge with traditional finance, the winners will be those who master strategic integration over piecemeal technology adoption. The future belongs not to those with the flashiest features but to those who create seamless, contextual experiences by connecting previously siloed systems and data.
How is your organization navigating this transformation? Are you positioning as infrastructure rather than destination? Join the conversation and discover how these trends are reshaping industries far beyond traditional finance.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
What happens when the global economy's tectonic plates start moving in different directions after decades of synchronised movement? In this fascinating conversation, Philippe Gijsels, Chief Strategy Officer of BNP Paribas Fortis and co-author of "The World Economy in Five Trends," unravels the complex forces reshaping our economic landscape.
Gijsels introduces us to "multi-globalisation" – not the end of globalisation but its fragmentation into distinct economic blocks moving at different speeds. This shift explains the increased market volatility we're experiencing as these economic plates collide, creating dramatic swings in equity markets and currencies. While climate change, geopolitical tensions, and ageing populations in developed nations create inflationary pressures, Gijssels highlights demographics as perhaps the most underestimated force. Africa's projected population explosion from today's 1 billion to 4 billion by 2100 will profoundly reshape global economic dynamics for generations.
Despite these challenges, Gijssels maintains a refreshingly optimistic outlook. He positions innovation, particularly artificial intelligence, as our potential salvation, comparing the AI revolution to humanity's discovery of fire or invention of the wheel. Drawing parallels with Neil Howe's "Fourth Turning" theory, Gijsels suggests we're in a cyclical period of disruption that occurs roughly every 80 years, similar to the era preceding World War II. Yet history shows these periods eventually give way to rebuilding phases led by new generations, what he affectionately calls "young wizards" rather than prophets, who have unprecedented opportunities to create a better world.
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Koen Vanderhoydonk
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The Digital Operational Resilience Act (DORA) creates significant new compliance requirements for financial institutions in the EU. DORAedge offers a technological solution to manage these complex challenges effectively.
• Copenhagen-based fintech Performativ created DORAedge to help financial entities comply with DORA regulations
• The Register of Information requirement demands mapping of ICT networks and third-party providers across jurisdictions
• DORA uniquely impacts organizations cross-functionally, requiring collaboration between IT, legal, compliance, and procurement
• DORAedge transforms static compliance reporting into dynamic, real-time data management
• Incident management module helps meet strict reporting timelines
• Policy governance tools include suggested controls mapped to DORA articles and AI-powered gap analysis
• Future enhancements focus on multi-entity collaboration, permissions management, and third-party integrations
Visit www.doraedge.com to book a demo and learn how the platform can help your organization achieve DORA compliance.
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Koen Vanderhoydonk
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The financial landscape is undergoing dramatic transformation. From Asia's strategic pivot toward Europe to revolutionary approaches in fighting financial crime, every aspect of finance is being reimagined through technology.
At the heart of this evolution is a fascinating shift in global financial partnerships. Asian institutions are increasingly looking to Europe rather than the US, seeking stability and complementary strengths. This creates a powerful synergy: Asia's cutting-edge digital solutions and agility combined with Europe's robust regulatory frameworks and risk management expertise. Projects like Singapore's collaboration with the European Investment Bank on DeFi for bonds showcase how these partnerships are driving innovation.
Meanwhile, financial crime fighters are gaining powerful new tools. The groundbreaking AML-TREX initiative represents the first universal "language" for describing money laundering techniques in a machine-readable format. By mapping criminal tactics in a structured way, this open-source knowledge graph enables standardized detection methods that could transform how we combat the estimated $2 trillion laundered annually.
The Digital Operational Resilience Act (DORA) marks another pivotal change, bringing technology providers directly under EU financial regulation. For tech companies serving financial institutions, this necessitates a fundamental shift in operations – from incident reporting to resilience testing – creating both challenges and competitive opportunities.
Perhaps most revolutionary is the transformation in digital identity. India's comprehensive approach has demonstrated astonishing results: 1.35 billion Aadhaar IDs enabling direct government payments that have saved $3.48 trillion by eliminating fraudulent recipients. Video KYC and digital document storage have slashed costs by 90% while enhancing security. Similarly, the EU's electronic ID initiative promises stronger protection against sophisticated AI fraud, which could otherwise cause billions in losses.
These developments aren't just technological – they represent a strategic reimagining of finance itself. Forward-thinking organizations now view compliance not as a cost center but as a foundation for growth and innovation. Balancing these transformative technologies with necessary safeguards presents challenges, but also unprecedented opportunities to create a more efficient, inclusive, and secure financial ecosystem.
What role will you play in shaping this digital financial future?
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Koen Vanderhoydonk
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Bridging the gap between innovative fintech solutions and traditional banking, QRED Bank is rewriting the rules for SME financing across Europe. In this revealing conversation with Norway Country Manager Kristina, we explore how QRED transformed from an ambitious startup into a fully-licensed bank without losing its entrepreneurial spirit or customer-first approach.
The statistics are startling: small and medium-sized enterprises make up 99% of all European businesses and contribute 36% of all taxes, yet receive merely 1% of traditional bank funding. This glaring disparity drives QRED's mission to create more accessible financing options for businesses that form the backbone of our economies.
What sets QRED apart isn't just their technology—it's their understanding that behind every loan application is a real business with unique needs. "Time is valuable for any business owner," Kristina explains. They don't want to spend hours filling out five-page loan applications." This recognition has shaped their approach, from streamlined application processes to the surprisingly simple competitive advantage of answering the phone when customers call.
The journey hasn't been without challenges. When entering the Norwegian market, QRED encountered unexpected cultural resistance to non-traditional lending. Rather than forcing their existing model, they adapted through education and trust-building. This flexibility, combined with their data-driven insights from a decade of SME lending, allows them to tailor financial solutions that work for business owners.
Curious about how fintech innovation can coexist with banking regulation? Want to understand how open banking is revolutionising SME lending? Listen now to discover how QRED reimagines financial services one relationship at a time. Follow us for more conversations connecting the worlds of fintech, banking, and regulatory innovation.
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Koen Vanderhoydonk
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The future of finance is unfolding at breakneck speed, especially in the German banking and fintech landscape heading toward 2025. As we explore this rapidly evolving terrain, we discover a fascinating paradox: despite significant economic headwinds including pandemic aftereffects and inflation, German fintech funding has surged to $8.2 billion, representing a remarkable 4% increase.
What's driving this resilience? A historic €1 trillion investment package approved by the German parliament creates fertile ground for innovation, particularly in digital infrastructure. Yet traditional banking institutions continue wrestling with cost pressures and legacy IT systems that simultaneously provide stability while constraining progress—a duality aptly described as both "fortresses and prisons."
The regulatory environment remains distinctively stringent, with BaFin maintaining rigorous compliance standards and new EU regulations like DORA demanding robust digital resilience. While these requirements present initial hurdles, they ultimately establish a globally recognized standard of credibility that benefits companies with international ambitions.
Artificial intelligence stands at the forefront of transformation, particularly in lending practices. Enhanced underwriting now analyzes broader datasets beyond traditional credit scores, creating more holistic risk assessments. Real-time monitoring, sophisticated fraud detection, and personalized customer experiences represent other key AI applications revolutionizing finance. The global market for AI in fintech, valued at $9.45 billion in 2021, is projected to grow 16.5% annually through 2030.
Perhaps most fascinating is the emergence of Verifiable Legal Entity Identifier (VLEI) technology as a solution for establishing digital trust. Functioning as a decentralized method for authenticating organizational identities online, VLEI enables secure document signing, cryptographic verification, and precise permission management—crucial protections against digital fraud projected to reach $1.82 trillion by 2028.
Success in this dynamic landscape demands understanding market nuances, strategic technology adoption, and addressing German consumers' distinctive preferences. The future belongs not to those who simply discard tradition or resist change, but to those who strategically blend established strengths with innovative capabilities in an ever-evolving financial ecosystem.
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Koen Vanderhoydonk
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Flexibility and integration have become the new currency in financial services. In this deeply insightful conversation with Renaud from Basikon, we unpack how modern lending and leasing technology is fundamentally reshaping financial operations.
Founded by industry veterans who witnessed the limitations of legacy systems firsthand, Basikon delivers a refreshingly different approach to banking technology. What makes their platform revolutionary isn't just cutting-edge tech—their adaptability philosophy. They're helping financial institutions break free from operational rigidity through embedded workflows and an API-first architecture while maintaining regulatory compliance.
Renaud shares fascinating contrasts between implementing for greenfield startups versus established incumbents. While startups benefit from rapid deployment of standardized processes, the challenge with established players lies more in change management—convincing them to let go of non-differentiated processes that add unnecessary complexity. The guiding mantra? "Keep it stupidly simple."
The conversation expands into broader trends reshaping finance: embedded finance blurring traditional boundaries, AI transforming credit decisioning, and the inevitable shift toward real-time lending. Perhaps most provocatively, Renaud challenges the notion that complex products like mortgages can't be streamlined, suggesting that decision processes could be drastically accelerated across all financial services.
Whether you're a fintech entrepreneur, banking executive, or technology enthusiast, this episode offers valuable insights into how API-first, flexible architectures are creating the foundation for tomorrow's financial ecosystem. Visit their website at basikon.io to learn how modular, adaptive systems might revolutionize your financial operations.
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Koen Vanderhoydonk
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Three decades of financial innovation have positioned Isabel as a cornerstone of Belgium's banking landscape. Starting as a multi-banking payment platform in 1995, this joint venture of Belgium's four major banks has evolved into something far more ambitious – creating financial ecosystems that connect institutions, businesses, and technology providers.
Sylvie van der Velde, who leads business development at Isabel, reveals how their latest platform "Kube" is transforming corporate data exchange. With 300,000 companies already in the system, Kube is a digital passport allowing banks to share verified business information, eliminating redundant KYB processes. "When you're a client at two banks, you don't need to do the KYC process twice," Sylvie explains. This invisible benefit streamlines verification while maintaining security.
What's particularly fascinating is Isabel's pragmatic approach to technology. Though Kube began as a blockchain experiment during the technology's peak hype around 2018, the team ultimately pivoted away from it. "We turned it around," Sylvie notes. "Our objective is having a better client experience - which technology do we need?" This refreshing focus on outcomes rather than trending technologies demonstrates the maturity that comes with 30 years in the industry.
Looking ahead, Isabel plans to expand Kube beyond identity verification to include ESG data, allowing voluntary SMEs to showcase their sustainability credentials. This will provide businesses with competitive advantages in tenders and recruitment, as younger talent increasingly prioritizes employer values. With interest from Luxembourg and the Netherlands, Kube's potential extends beyond Belgium's borders.
Visit Isabel's website to learn more about their community events and webinars. There, you can connect with others and explore how their ecosystem approach might benefit your business. After three decades of innovation, Isabel continues to prove that sometimes the most valuable financial solutions come not from disruption but from thoughtful collaboration.
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Koen Vanderhoydonk
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SevenYoken is revolutionizing accounting with autonomous AI that performs an accountant's days of work in minutes, delivering comprehensive financial reports and professional insights. Tom shares how their system evolved from a certified autonomous bookkeeper to a digital financial officer that can interpret balance sheets, process transactions, and even provide opinions and follow-up questions.
• Creating autonomous accounting intelligence that delivers financial reports in minutes
• Transforming raw financial data (balance sheets, invoices, bank statements) into comprehensive analyses
• Developing a "certified autonomous bookkeeper" that handles repetitive transactional tasks
• Building on 15 years of accounting data to train AI with real-world financial scenarios
• Using the persona of a Digital Financial Officer (DFO) to bridge the trust gap with users
• Running entirely on open-source models deployed in Azure AI cloud
• Launching einvoiceBE platform to simplify compliance with upcoming e-invoicing regulations
• Providing solutions for small businesses and enterprises with legacy systems through APIs
To learn more about SevenYoken's accounting solutions or their new e-invoicing platform, visit their website or contact them directly for customized solutions to streamline your financial operations.
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Koen Vanderhoydonk
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Klaas from Regnology shares how the company transformed from a regional player to a European leader in regulatory technology, with ambitions to become the global champion following CPP investment and strategic acquisitions.
• Joined Regnology in 2022 when they acquired b.fine, modernizing their front-end offering
• Regnology's unique approach pivoting from a reporting platform to a data platform minimizes the impact of regulatory changes on financial institutions
• Won Regulatory Reporting Product of the Year Award twice due to granular data approach and cloud-native platform
• Secured funding from CPP in December 2024 to expand globally beyond their European leadership
• Partnership with Google Cloud enables optimal deployment and AI initiatives like regulatory chatbots
• Future vision includes improving two-way communication between regulators and banks
• Moving toward real-time supervision rather than traditional monthly/quarterly reporting
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Koen Vanderhoydonk
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Pierre Nemeth, CEO and co-founder of Sopiad, discusses how their fintech company provides scientifically-backed resources to restore investor trust and help financial institutions comply with regulations. Sopiad's journey began with four years of academic research at LCC Liège before officially launching in 2021, addressing the lack of personalization in financial products and inadequate educational frameworks.
• Sopiad's main solution is SAFIR, a personalized portfolio diagnostic tool that takes a client-centric approach
• Unlike traditional analysis, SAFIR evaluates portfolio alignment with individual risk profiles and ESG preferences
• The solution serves financial advisors and portfolio managers by enabling personalized portfolio creation at scale
• Sopiad offers an AI storytelling module that converts complex analytics into educational narratives for investors
• The company received recognition as one of the world's most innovative ESG companies in November 2024
• Their unique approach links SFDR information from investment products to MiFID 2/IDD distribution requirements
• Sopiad collaborates with various industry associations to stay ahead of market trends
• Future vision includes more personalized investment products, gamified financial literacy, and transparent information
Visit sopiad.com to learn more about their solutions and how they address regulatory needs across different financial sectors.
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Koen Vanderhoydonk
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FinTech #RegTech #Scaleup #WealthTech
Robert from Paynovate describes how the Belgian payment provider has built a comprehensive electronic payment processing service with an EMI license from the National Bank of Belgium, offering everything from card issuing to open banking. Their standout approach is welcoming customers that traditional financial players often reject through scalable compliance procedures that adapt to each client's risk level.
• Paynovate provides complete payment solutions including card issuing, terminals, e-commerce, IBAN accounts, and recently added open banking
• Their risk-based compliance approach uses 4-8 eyes principles and third-party verification to safely onboard clients from traditionally underserved sectors
• They've achieved 15% market share in Belgian payment terminals while expanding internationally
• Their Exospend platform offers corporate expense management, IBAN accounts and cards, including white-label options
• Compliance flexibility is core to their value proposition, with internal development of key verification processes
• Future plans include maintaining their comprehensive service model while expanding to Middle East, Southeast Asia and North America
• Stablecoin capabilities are technically ready and launching soon
Thank you for listening to another episode of the Connector podcast. To connect and keep up to date with all the latest, head over to www.jointhekonnector.com or hit subscribe via your podcast streaming platform.
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Koen Vanderhoydonk
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FinTech #RegTech #Scaleup #WealthTech
How Approach Cyber helps fintech companies navigate cybersecurity challenges from integrated security development to regulatory compliance. Dorian Pacquet shares insights on evolving cyber threats, the role of AI in security, and the importance of managing data protection in the fintech ecosystem.
• Approach is a pure-play cybersecurity and privacy partner with over 100 professionals across Belgium and Switzerland offering 360° cyber resilience services
• Modern software development requires security integration at all stages, not just end-of-process testing
• Supply chain vulnerabilities are a growing concern as all software now relies on external libraries and dependencies
• Fintechs face increasing regulatory pressure not just directly but through their regulated customers
• AI is becoming integral to security tools including code generation, vulnerability scanning, and remediation
• Data protection compliance is equally challenging for organizations of all sizes with limited exceptions for SMEs
• Approach offers multidisciplinary expertise spanning technical, strategic, and legal domains to help navigate complex regulations
• 24/7 managed security services from their in-house Security Operations Center provide continuous protection
For more information about Approach Cyber's services, contact Dorian at dorian.pacquet@approach-cyber.com or visit their website at www.approach-cyber.com.
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Koen Vanderhoydonk
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FinTech #RegTech #Scaleup #WealthTech
AI agents are set to transform financial services by taking over tasks people currently do while enabling entirely new services, creating both challenges and opportunities for established banks and fintechs alike.
• In The Pocket has evolved from a mobile app developer at the dawn of smartphones to a 200-person European digital product studio with a significant focus on AI strategy
• Financial institutions must decide how to approach "agent experience" as consumers increasingly interact with their services through AI assistants
• The speed of AI development means companies can't afford to wait and see, with hallucinations and high operational costs being the primary challenges
• Customer support represents the most promising immediate application for AI in financial services due to its text-based, repetitive nature
• Smaller fintechs currently have an advantage as they can manage the high costs of running sophisticated AI models across a smaller user base
• Well-structured data remains crucial for effective AI implementation, though future models may become better at working with unstructured information
For any questions about implementing AI and agents in your financial organization, reach out to In The Pocket's cross-disciplinary team that brings together design, technology, and strategy.
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Koen Vanderhoydonk
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FinTech #RegTech #Scaleup #WealthTech
Lode from AREA42 explains how this innovation vehicle within Credendo is transforming B2B trade finance by offering flexible working capital solutions that make digital trade more accessible and user-friendly.
• AREA42 is the innovation arm of Credendo, a credit insurance company with over 100 years of history
• Credit insurance protects sellers when buyers don't pay invoices, unlike factoring, which provides immediate financing
• Digital B2B marketplaces often require upfront payment, creating friction compared to traditional trade credit terms
• AREA42 evolved from offering complex credit insurance to providing streamlined working capital solutions
• Their approach keeps user experience simple while handling risk assessment complexity behind the scenes
• Partnerships with payment service providers help keep costs lower than traditional financial institutions
• AREA42 offers API integration and white-labeling options for seamless incorporation into e-commerce platforms
• The biggest learning was shifting from a solution-first to a problem-first innovation approach
• Balancing corporate stability with startup agility remains a key challenge and opportunity
"Any company in the world, especially in the European Economic Area, we can help you. We can help you with any working capital problem that you have. Come to us, and we will help you."
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Koen Vanderhoydonk
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FinTech #RegTech #Scaleup #WealthTech
The regulatory pendulum in European fintech isn't swinging toward deregulation as dramatically as some might have expected. Philippe from Simont Braun law firm cuts through the noise to explain what's happening in the European regulatory landscape.
Despite widespread speculation following the European Commission's 2025 work program announcement, major financial regulations like FIDA (Financial Information Data Access Regulation), PSD3, and PSR remain firmly on track. What we're witnessing isn't deregulation but rather a nuanced approach to limit unnecessary regulatory growth – pushing back against what Philippe aptly calls "regulatory overdrive" at the technical implementation level.
The conversation reveals a significant shift in regulatory strategy: moving away from directives toward regulations as the preferred legislative instrument. This change helps prevent "gold plating" (where countries add additional regulatory layers during implementation) and creates a more unified European market. Meanwhile, AI adoption in financial services continues to evolve, with applications spanning front office (chatbots, investment advice), middle office (KYC, AML, fraud detection), and back office functions. The upcoming AI Act will introduce a risk-based approach affecting financial services without creating finance-specific regulations.
Perhaps most intriguingly, Philippe suggests financial institutions may have a competitive advantage in the coming era of AI regulation due to their extensive experience navigating complex regulatory frameworks. For fintech innovators looking to launch new products or interact with regulators, understanding these nuances could make all the difference between compliance headaches and market success.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Our 10th episode dives into the exciting intersection of insurance and technology, exploring innovations within the InsurTech landscape. We celebrate milestone achievements while uncovering key themes of balancing reliability with digital transformation.
• Exploring the significance of InsurTech in reshaping traditional practices
• Highlighting Vee Finance's layered strategy for effective digital transformation
• Discussing cybersecurity importance and NIS2 regulations for SMEs
• Delving into the concept and benefits of parametric insurance
• Investigating the rise of embedded insurance and its regulatory implications
• Analyzing InsurTech trends across various regions in Europe
• Reflecting on the necessity of balancing innovation with the human element in insurance
Join us in this insightful exploration where technology meets a time-honored institution, prompting thought-provoking questions about the future of insurance.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Ready to unlock the secrets of fintech innovation? Discover how Roel, the mastermind behind Docapi, is transforming the landscape of smart document processing. As a spin-out from IXOR, Docapi is setting new benchmarks with its revolutionary APIs for financial documents like invoices, receipts, and pay slips. Roel shares the strategic decision to bootstrap Docapi, with a hint at potential investment opportunities on the horizon. If you've ever wondered how AI is reshaping the way we handle both unstructured and structured documents, this episode is a must-listen. We promise you'll gain insights into Docapi's journey from a Belgian startup to an international contender in the fintech arena.
But that's not all—brace yourself for a deep dive into the upcoming e-invoicing mandates set to rock Belgium and Europe. Roel provides an insider's perspective on the shifting landscape of B2B transactions and the technological adaptations required. With looming deadlines and varying European approaches, understanding these changes could be crucial for businesses looking to stay compliant and competitive. As we explore these significant transformations, you'll come away with a clearer understanding of how companies like Docapi are poised to lead in a rapidly evolving market. Don't miss out on this engaging conversation that blends practical insights with visionary thinking.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Understanding the role of AI in enhancing wealth management, this episode explores the evolving trends shaping the financial landscape. We dive into goal-based investing, the rising influence of women in wealth tech, and the need for robust cybersecurity measures.
• AI as a powerful tool in personalized finance
• Global economic outlook highlights regional disparities
• Dividend payouts are set to reach record highs in 2025
• The shift towards goal-based investing strategies
• Poland's wealth tech companies democratizing investments
• The importance of female leadership in the financial sector
• Independent financial advisors provide personalized services
• Rising need for compliance and cybersecurity measures in finance
• The impact of regulations on maintaining client trust
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Koen Vanderhoydonk
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FinTech #RegTech #Scaleup #WealthTech
Join us on an intriguing exploration into the evolving world of fintech, banks, and regulators with our guest Jens from GraydonCreditSafe. Discover how the merger of Graydon and CreditSafe combines local expertise with global technological capabilities to transform credit management and fraud prevention. Jens shares captivating insights into how this alliance leverages data accuracy and reliability to tackle regulatory challenges, including KYC, KYB, and ESG compliance. Get ready to uncover the strategic advantages that this partnership brings to the table, offering a deep dive into the heart of financial innovation.
As we further our discussion, we explore the transformative power of data collaboration through the lens of Datavillage’s software platform. Learn how banks and insurers can confidentially share insights on persistent issues like fraud. Discover how GraydonCreditSafe's initiative to standardize global data enhances accessibility. This episode serves as a comprehensive guide to understanding fintech's interconnected landscape and data's pivotal role in shaping its future.
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Koen Vanderhoydonk
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FinTech #RegTech #Scaleup #WealthTech
Discover the revolutionary world of e-invoicing and fintech as we host Cedric Neve, the visionary founder and CEO of Digiteal, a pioneering Belgian company making strides in e-invoicing, e-payment, and open banking services. Learn how Digiteal's SaaS API is setting a new standard by enabling businesses to effortlessly integrate these services into their software, a necessity with the new Belgian and European regulations on the horizon. Cedric shares unique insights into Digiteal's cutting-edge technology, designed to meet these regulatory demands with its seamless payment integration and automated processing capabilities. This episode unveils how Digiteal's licensed services across Europe are perfectly positioned to support businesses in this transformative era of B2B payments.
Turn your focus to the fast-paced evolution in banking and fintech as we dissect the role of big data and AI in crafting highly personalized financial experiences. Discover how banks are using customer data not just to offer tailored credit solutions but to unlock competitive cross-sell opportunities, all while maintaining GDPR compliance and addressing ethical considerations. Cedric guides us through the landscape where tools like KBC's Solucio are changing customer interactions, enhancing them with integrated, personalized financial products. Don't miss out on how these innovations are reshaping banking and creating exciting opportunities for both businesses and their clientele in the fintech world.
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Koen Vanderhoydonk
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FinTech #RegTech #Scaleup #WealthTech
Mathematical modeling expert and Yields co-founder, Jos, joins us to unravel the complexities of AI risk management in our latest podcast episode. Explore Jos's insightful journey from the demanding fields of mathematical modelling to spearheading advanced solutions for AI reliability in production. We dive into how Yields has secured its place as a leader in this space, thanks to accolades like the Risknet Model Validation Award, and how it's successfully transitioned from focusing on investment banking to addressing AI-related challenges across various sectors.
Understanding and managing its risks becomes imperative as AI continues to permeate industries worldwide. In our conversation, Jos shares how Yields guides companies through the evolving regulatory landscapes, such as the EU AI Act, to ensure strong AI governance. With practical examples, including a case from the healthcare sector, Jos illustrates how Yields' software aids organizations in mitigating AI risks. This episode is a treasure trove for fintech enthusiasts and anyone keen on the critical intersection of AI and risk management. Tune in for a compelling discussion that blends technical insight with real-world applications.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
What are the secrets behind skyrocketing sales in the fintech world? Join us for a thrilling conversation with James and Richard from Humble Technology as they unlock the mysteries of scaling sales in the ever-evolving fintech landscape. You’ll hear firsthand from James about his incredible journey from a successful project at ICAP to launching Humble Technology and learn how a world-class product and strategy are just the beginning. Richard, with his vast experience in financial services and consulting, sheds light on a crucial yet often neglected aspect of fintech success: a robust sales engine. Together, they introduce us to the MEDDPICC methodology, a cornerstone of their approach that deciphers why deals triumph or falter.
Navigate the complex terrain of B2B sales with the MEDDPICC framework as your compass. Discover how this strategic tool ensures sales teams stay sharp and pipelines remain robust, especially when venturing into unfamiliar markets. We explore the stark contrasts between B2B and B2C sales and why MEDDPICC is your go-to for intricate, long-cycle enterprise deals. Facing the challenge of entering new markets with low brand recognition? James and Richard offer insights into aligning sales efforts with strategic goals to fuel growth and success, proving that with the right approach, even the toughest markets can be conquered. Tune in and transform your sales strategy with the invaluable wisdom of our guests.
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Koen Vanderhoydonk
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FinTech #RegTech #Scaleup #WealthTech
Baiba Rosenberg, the head of startups at MBH FinTech Lab in Hungary, joins us to navigate the transformative currents reshaping the fintech world. Get the inside track on how AI is not just a buzzword but a catalyst for change, redefining customer support to be more personal and data-driven without losing the essential human touch. From the intriguing discussions at Singapore FinTech Week, where quantum computing is emerging as the next tech frontier, to understanding how regulatory developments like PSD2 and PSD3 are recalibrating the fintech landscape, this episode is your guide to the future of finance. We promise insights that will have you rethinking the balance between natural and artificial intelligence and the impact of AI on jobs, education, and training.
From facial recognition ATMs in Asia to the rise of contactless payments, explore how generational divides are influencing banking technologies. Discover why Gen Z is steering clear of banks and how fintech companies are ingeniously merging digital wallets with physical cards. We also shine a light on the critical role of fintech innovation labs that partner with banks and universities, creating a robust ecosystem where innovation meets practical application. Plus, we open the door to opportunities in the Hungarian market for startups seeking early-stage funding. This is your chance to engage with the Hungarian FinTech Association and tap into a burgeoning market. Don't miss this opportunity to stay ahead in the fast-paced world of fintech.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
On our latest episode of the Connector podcast, business transformation director Bastien from Dataiku joins us live from Brussels to unravel the evolving landscape of data and AI initiatives. Whether you're a coding expert or prefer a more visual approach, Bastien demonstrates how Dataiku's groundbreaking platform redefines collaboration between data specialists and business professionals. Discover how this unique synergy simplifies the data science process and enhances transparency and trust throughout the AI project lifecycle. With over 600 global clients, including major players like BNP Paribas and Morgan Stanley, DataIQ is leading the charge in preparing organizations for upcoming regulations like the Data Governance Act.
Tune in as we explore the profound impact of data collaboration within cross-functional teams and how Dataiku's tools are accelerating and amplifying AI initiatives across various industries. Bastien provides an insightful look into the company's substantial influence in the banking and insurance sectors while also shining a light on their ventures beyond finance. Learn how the platform bridges the gap between AI builders and consumers, enabling businesses to monetize their data and achieve unprecedented scalability in the fast-paced fintech environment. This episode is packed with insights that could transform how your organization leverages its data assets for innovation and efficiency.
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Koen Vanderhoydonk
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FinTech #RegTech #Scaleup #WealthTech
Join us for an enlightening exploration into the world of fintech with Aaron from Digital Jersey, as we uncover the transformative innovations reshaping Jersey's financial landscape. Discover how this small island is making big waves in the tech industry, with initiatives like comprehensive 5G and one-gig fiber connectivity attracting cutting-edge firms and startups. We'll spotlight Moneybrain, the visionary digital currency company that's breaking ground with Jersey's first digital bank and the innovative digital pound. Their pioneering approach in decentralized banking, supported by real-world asset-backed stablecoins, is empowering consumers with more equitable financial choices.
Our conversation with Aaron further unveils the exciting realm of fintech compliance with Dayzium, a startup revolutionizing domicile requirement management for the affluent. Through engaging dialogue, we highlight the latest fintech trends and innovations that promise to shape the future of finance. Aaron's expert insights offer valuable learning moments, promising to enrich your understanding of this dynamic field. Tune in and stay connected as we express our gratitude for Aaron's contributions and continue to bring you riveting discussions and updates in the world of fintech.
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Koen Vanderhoydonk
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FinTech #RegTech #Scaleup #WealthTech
What if you discovered that the epicentre of fintech innovation isn't just in London? Today, we're thrilled to welcome back Laure Hindin, also known as Laure, the Senior Trade Advisor at the British Embassy in Brussels. Laure shares her expertise on the dynamic UK fintech scene that extends its influence beyond the capital, flourishing in regions like Scotland, Wales, and Northern Ireland. Laure's passion for highlighting the UK's fintech prowess shines through as she discusses how this vibrant sector, spawning 27 fintech unicorns and contributing around £11 billion to the economy, is revolutionizing the global market.
Prepare for an engaging session as we discuss the UK's strategic presence at the DFS event in Brussels. Laure introduces us to five remarkable UK fintech companies making waves internationally: Blink Parametric, Encompass Corporation, Flexis, MDOTM, and Petilia. These innovative companies span a variety of niches, from insurtech to AI analytics, each offering cutting-edge solutions and representing the diverse landscape of UK fintech. Join us to explore the stories behind these companies and how they're poised to reshape the fintech arena globally.
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Koen Vanderhoydonk
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FinTech #RegTech #Scaleup #WealthTech
Unlock the future of payment technology with Nathalie and Claire from Worldline as they share groundbreaking insights on our latest Connector Podcast, recorded live from the DFS Digital Finance Summit in Brussels 2024. Ever wondered how a leader in transaction services like Worldline is shaping the payment industry's evolution? Discover how they are pioneering the integration of emerging technologies such as blockchain and digital wallets to meet the surging demand for digital and contactless payments.
Join us as we uncover Worldline's strategic partnerships with fintechs and their substantial investment in research and development, which keeps them at the cutting edge of payment solutions. Explore how their commitment to innovation, security, and sustainability is transforming services for merchants and the financial industry, with a particular focus on Belgium. With initiatives like secure QR code transactions and a proactive move to cloud technology, Nathalie and Claire reveal how Worldline is redefining the customer experience for a seamless and secure future.
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Koen Vanderhoydonk
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FinTech #RegTech #Scaleup #WealthTech
Can the secret to thriving in the fintech industry lie in data quality and resilience? Andreas, the founder of theScreener, thinks so. In a riveting conversation, he shares his journey from the tumultuous days of the dot-com boom to establishing a pioneering fintech company. He explains how The Screener sets itself apart by focusing on precise, twice-weekly data updates, catering exclusively to banks and financial institutions. This episode promises insights into how data simplicity and accuracy empower investors to make well-informed decisions amidst ever-changing market conditions.
We also explore the critical factors influencing equity prices, such as analyst opinions, market trends, and fundamental pricing, and discuss how advanced algorithms can provide a competitive edge. Listen to Andreas as he addresses the challenges private wealth managers face who must navigate a world with abundant information. Discover how The Screener, with its Swiss roots and global vision, is poised for future growth by harnessing the transformative potential of AI, offering a potent mix of technology and strategy to meet diverse market needs.
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Koen Vanderhoydonk
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FinTech #RegTech #Scaleup #WealthTech
Step into the fascinating fintech universe with Joachim Krüger, a visionary entrepreneur whose journey from existential musings in academia to trailblazing innovations in digital payments is nothing short of captivating. Inspired by the groundbreaking launch of the iPad by Steve Jobs, Joachim's pioneering concept of transforming tablets into mobile cash registers catalyzed his venture into the payments industry. Despite the hurdles of hardware integration, this visionary pursuit birthed the mobile payment solution mCash, now known as Vips. His adventures don't stop there; Joachim's tale of building an "Uber for trucks" unveils the multifaceted challenges of financing solutions for small and medium-sized enterprises, painting a vivid picture of fintech's intricate landscape.
As we delve deeper into the transformative power of fintech, our conversation shifts focus to reimagining traditional banking products for the modern B2B landscape. Explore the parallels with the "buy now, pay later" movement in consumer finance and the critical role of banking partnerships in facilitating seamless cross-border transactions. We uncover small businesses' nuanced challenges, particularly in managing currency exchanges and the essential role of global partnerships with institutions like Santander and Allianz. These collaborations are instrumental in providing robust solutions catering to local and international markets, spanning Norway, the UK, Sweden, and the US.
Finally, navigate the strategic expansion of fintech solutions across continents, from tech-forward collaborations in Norway to overcoming the legacy systems of the UK. Witness the adaptation strategies for the US market, where cultural payment preferences and time zone logistics demand innovation and flexibility. Discover how open banking, CBDCs, and AI are reshaping the B2B payment landscape, enhancing transaction efficiency while addressing the risks of fraud and identity verification. The episode culminates with a focus on the importance of intuitive digital solutions that align with internal company policies, hinting at a future where payment systems are as seamless as they are sophisticated.
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Koen Vanderhoydonk
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FinTech #RegTech #Scaleup #WealthTech
Join us for an insightful conversation with Ana-Maria Georgescu from Smart Fintech, recorded at the Milan Fintech Summit for the European Digital Finance Association (EDFA).
Discover how Anna transitioned from a non-technical background to becoming a prominent tech industry figure, starting her journey at IT Smart Systems in Romania. Her career reached a pivotal moment when she co-founded Smart Fintech, inspired by the PSD2 Open Banking Directive. Anna's story is a testament to perseverance and ambition, highlighting her evolution from an intrapreneur to a co-founder as she embraced new opportunities in the rapidly evolving tech landscape.
Explore the path of Smart Fintech since its inception in 2019 as Anna shares the challenges and triumphs of securing an open banking license in Romania. Learn about their strategic focus on the Romanian market and the innovations in open banking services, including the launch of payment solutions in e-commerce in 2024. We look ahead to the future of open banking, discussing the role of customer-centric products, self-sovereign identity, and digital wallets in building trust and security. This episode offers a fascinating glimpse into the controlled approach needed for open data, blending technical prowess with financial foresight.
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Koen Vanderhoydonk
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FinTech #RegTech #Scaleup #WealthTech
Step into the world of crypto compliance with Lukasz Lukaszewski, the Chief Product Officer at ChainComply, as he demystifies the complexities banks face when dealing with crypto assets. Discover how ChainComply is revolutionizing the transfer of crypto wealth to bank accounts by harnessing existing data tools to streamline processes. Learn how the Markets in Crypto-Assets (MiCA) regulation pushes banks to reassess their risk management strategies and technology adoption to ensure seamless crypto transactions. Lukas shares his expert insights on how these changes can transform the landscape, making crypto a practical tool for payments and automated services.
ChainComply is helping financial institutions modernize and digitalize their operations to meet regulatory demands. Lukasz highlights the potential for blockchain to evolve beyond mere speculation, stepping into roles that offer innovative payment solutions. Whether you're a seasoned financial professional, a curious crypto enthusiast, or someone intrigued by the future of finance, this conversation promises valuable insights into navigating the new regulatory environment.
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Koen Vanderhoydonk
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FinTech #RegTech #Scaleup #WealthTech
Unlock the secrets to navigating the future of fintech with Marissa from Performativ and DORAedge on the Connector podcast. Gain valuable insights into how emerging technologies transform wealth management and regulatory compliance, especially in light of the upcoming Digital Operational Resilience Act (DORA). Discover how Performative pushes the boundaries with DORAedge, a groundbreaking tool engineered to support financial entities in meeting DORA's rigorous standards.
Join us for an enlightening discussion as Marissa explains how DORAedge simplifies mapping an organization's supply chain and managing contractual agreements, ensuring seamless risk identification and compliance reporting. From understanding the proportionality principle to categorizing micro-enterprises, Marissa breaks down what DORA means for smaller financial entities. Whether you're an independent wealth manager or part of a larger institution, this episode offers indispensable strategies to fortify your digital operational resilience and governance. Don't miss this opportunity to bridge the gap between technology and regulation in the evolving financial landscape.
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Koen Vanderhoydonk
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FinTech #RegTech #Scaleup #WealthTech
Have you ever wondered how cutting-edge technology is transforming agriculture? Join us at the Nordic Fintech Festival as we welcome Theodor, the visionary founder of AgroRisk, who is revolutionizing how farmers tackle climate change. Learn how AgroRisk utilizes satellite imagery and IoT data to monitor and predict the impact of extreme weather on individual fields. Theodor dives deep into how integrating data from harvesters and other IoT devices enhances their models, making farmers more resilient. We'll also explore how EU sustainability regulations shape farming and the readiness of younger and larger farms to embrace these innovations.
But that's not all! Discover the game-changing potential of collaboration between the banking and agricultural sectors. We discuss the idea of a unified data lake that combines sensor data and weather statistics, helping farmers adapt their practices and reduce financial risks. Hear how banks like Crédit Agricole can use FinTech solutions to offer valuable insights and better financing options. Theodor shares his journey from a bureaucratic and corporate background to launching AgroRisk, emphasizing the importance of strategic partnerships in the FinTech industry. Don't miss this compelling episode packed with actionable insights and inspiring stories!
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Koen Vanderhoydonk
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FinTech #RegTech #Scaleup #WealthTech
Prepare to be inspired as Henrik, the mastermind behind PixelPai, shares his transformative vision for the financial industry. Imagine a financial ecosystem free from scams, where transparency and audibility reign supreme. That's the promise of the "Finternet," a concept Henrik is turning into reality with PixelPi's cutting-edge platform. Discover how distributed ledger technology—beyond just blockchain—is revolutionizing identity management, payments, and digital assets and why this matters for the future of finance.
Navigate the regulatory maze with us as Henrik dives into the complexities of blockchain-based business models and the crucial role PixelPai plays in helping creators stay compliant. From the nuances of converting between fiat and crypto to the implications of regulatory frameworks like MiCA, Henrik breaks down what you need to know. Learn about PixelPai's focus on the creator economy, especially in the gaming sector, and how it equips businesses to thrive in a new financial landscape. This episode is a must-listen for anyone keen on understanding the future of financial technology and innovation.
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Koen Vanderhoydonk
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FinTech #RegTech #Scaleup #WealthTech
Unlock the future of fintech with insights from Sophia of Provenir, live from the Nordic Fintech Week in Copenhagen! Discover how a 20-year-old platform is revolutionizing fraud detection, credit risk assessment, and customer management—all in one seamless interface. Sophia not only shares the impressive history and capabilities of Provenir but also dives into the transformative role of AI in enhancing decision-making processes and providing critical insights into customer demographics.
Curious about how AI can optimize your business strategies or how to effectively manage KYC, AML, and fraud risks? This episode covers it all, including the fascinating challenges posed by deepfakes in verifying customer identities. Tune in for a comprehensive look at how Provenir’s platform serves as a central hub, integrating traditional banking systems and compliance protocols to offer a holistic view of customer creditworthiness. If you’re passionate about the intersection of AI, fintech, and customer management, this is an episode you won’t want to miss!
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Ever wondered how a financial trading firm can transform into a leading technology solutions provider? On this episode of the Connector Podcast, we sit down with Lars, co-founder of Saxo Bank, who takes us through his riveting journey from the bank's inception in 1992 to his departure in 2018. Lars shares pivotal, often serendipitous, moments that shaped Saxo Bank’s trajectory, including the need to build their own trading platform and the unexpected development of their successful white-label model. This episode offers a rare glimpse into the evolution of a hybrid financial and technology powerhouse.
Moreover, Lars opens up about his post-Saxo Bank ventures, particularly his foray into blockchain technology. A visionary who invested in Bitcoin as early as 2011, Lars discusses the transformative potential of blockchain to address the limitations of centralized systems, especially within the financial sector. Despite having sold his Bitcoin too early, his enthusiasm for the technology remains undiminished. Tune in to hear Lars' expert insights on the slow yet promising development of blockchain and its future impact on the industry. This conversation is not to be missed for anyone interested in fintech innovation and the future of financial technology.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Can Generative AI truly revolutionize the financial services industry? Join us for a captivating conversation with Martin from Microsoft, where we dive deep into the transformative power of AI. With his extensive background in banking and a key role in shaping AI strategy across the EMEA region, Martin shares unique insights on how AI is reshaping productivity for professionals on the move. From summarizing key communications and meeting notes to amplifying human capabilities, discover how AI saves time and empowers individuals to excel and embrace new challenges. Martin emphasizes the profound impact of AI beyond mere efficiency, showcasing its potential to enhance talent and redefine operational strategies within the financial sector.
We tackle the pressing challenges and opportunities in adopting Generative AI, focusing on the critical aspects of mindset and change management. Learn about the importance of leveraging proven use cases that deliver tangible value and the significant training gap that hinders widespread AI adoption. Martin sheds light on the risks of "shadow AI," where employees resort to unapproved tools, and underscores the need for organizational support to ensure compliance and attract top talent. Hear how Microsoft navigates complex regional regulations, such as the EU AI Act, by establishing local data boundaries and maintaining robust relationships with European regulators. This episode is a must-listen for anyone eager to understand the future of AI in finance.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
How is AI reshaping the core of agile software development? Klemens Hjartar, senior partner and global technology leader at McKinsey joins us straight from Nordic Fintech Week in Copenhagen to unravel this transformative journey. Clemens dives into the fascinating fusion of AI and lean methodologies, shedding light on how these technologies drastically shorten development cycles and enhance product creation processes in large organizations. He doesn't hesitate to discuss the challenges of adopting such groundbreaking approaches, particularly in the rigorously regulated financial sector.
Moreover, we explore the revolutionary potential of generative AI and its role in bridging the gap between technology and human adoption. Klemens highlights some of the latest AI innovations, including the new voice model from OpenAI and the surprising impact AI agents have on legacy software code bases. This episode offers invaluable insights for anyone eager to grasp the future of AI and its real-world applications, especially within financial institutions. It encourages a hands-on approach to understanding these technological advancements.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Have you ever wondered how open banking is reshaping the financial landscape? Join the Connector Podcast as we bring together industry heavyweights Liesl McKay from BBD Software, Remco Timmerman of Rabobank, and Andrew de Prest of Exthand. Liesl sheds light on how innovative technology is resolving business challenges globally, Remco reveals Rabobank's pioneering strategies beyond regulatory requirements, and Andrew narrates Exthand's evolution into an open banking powerhouse. Together, they highlight the transformative opportunities open banking unlocks for fintechs, banks, and the broader financial ecosystem.
In this episode, we tackle the intricate process of modernizing legacy banking systems without discarding valuable assets, thanks to BBD's cutting-edge approaches. We also discuss the customer-centric revolution brought about by open banking and embedded finance, making everyday financial interactions more seamless than ever. Lastly, we explore the powerful synergy between AI and open banking to deliver smarter financial advice and user experiences. APIs are spotlighted as the unsung heroes enabling these advancements, making this episode a must-listen for anyone interested in the future of banking.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Unlock the transformative power of artificial intelligence in wealth management with insights from Jean-Baptiste Deaux from Comarch! This episode promises to reveal how AI is revolutionizing the sector by enhancing decision-making, optimizing portfolios, and significantly automating tasks to boost efficiency and accuracy. Listen as Jean-Baptiste underscores AI's critical role in supporting advisors rather than replacing them, ensuring that the human touch remains paramount. Discover how recent regulations, like MiFID II and SFDR, are not just compliance hurdles but opportunities for innovation that can convert regulatory tasks into valuable data, ultimately leading to personalized investment advice.
Stay tuned for our engaging chat with Jean-Baptiste Beaux from Comarch as he shares the latest developments shaking up the fintech world. This episode is packed with valuable insights you won't want to miss!
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Are you ready to revolutionize your approach to mortgages? In our latest episode, we sit down with Geert, OPER's visionary co-founder and CEO, to uncover the future of mortgage digitization. Geert takes us on a fascinating journey from his days as a management consultant to his current role in the fintech industry. We tackle the pressing issues of borrower anxiety, outdated reliance on paper documents, and stringent compliance demands. Geert reveals how OPER is reimagining the mortgage experience with a fully digital platform that still honours the human touch, significantly easing back-office workloads through cutting-edge technology.
The conversation then shifts to the dynamic and ever-evolving European mortgage market, especially the role of Generative AI (Gen AI) and the daunting challenges of data privacy compliance. We delve into how high interest rates are pushing lenders towards more efficient, cost-effective solutions and examine the critical experimental phase of Gen AI. Geert emphasizes the importance of building robust control layers and maintaining human oversight to ensure these innovations are effective and compliant. We also get a sneak peek into the future of mortgage origination software, exploring advancements like guided sales, renovation advice, and automated underwriting decisions. Join us as we envision OPER’s ambitious expansion across 27 European countries and redefine what’s possible in the mortgage industry.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Could understanding the intricate balance of management, coding, and legal expertise be the key to fintech success? Join us as we sit down with Robert, the dynamic founder and CEO of Paynovate, who has journeyed from studying business management, law, and computer programming to revolutionizing the electronic money sector. Robert opens up about his unique approach to juggling multiple roles and companies, sharing invaluable insights into time management and the critical importance of legal knowledge in business. We also get a glimpse into Robert’s personal life and educational background, revealing the man behind the successful fintech entrepreneur.
Building an international company is no small feat, but Robert's strategic vision makes it seem achievable. He discusses the importance of hiring English-speaking employees for seamless communication across borders and the thoughtful selection of technology stacks based on available talent. Navigating international regulations and compliance is no easy task, but Robert shares his experiences and the lessons learned from expanding Paynovate across different jurisdictions. Additionally, we introduce PenoVate, another innovative electronic money institution from Brussels, and delve into its unique services and regulatory framework.
The future of payments is here, and Robert provides a forward-thinking perspective on trends like de-risking, instant payments, and the transition from cash to digital money accelerated by COVID-19. He explains how Paynovate caters to underserved sectors such as gambling and non-profit organizations, offering specialized financial solutions that traditional banks often overlook. We discuss the role of technology and innovation in these evolving services and the challenges of interoperability in international payments. Robert closes with insights on the potential of stablecoins and Central Bank Digital Currencies (CBDCs) to address these issues, leaving listeners with a provocative look at what's next for the fintech industry.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
What if blockchain technology could revolutionize corporate financial flows and save significant costs? In this episode, we promise you’ll uncover the secrets behind this transformative potential with Patrick, a seasoned fintech expert. Patrick’s unique journey, shaped by his bilingual upbringing in France and the Netherlands, has taken him from M&A advisory at ABN AMRO to entrepreneurial ventures in the fintech space, including his current role at Fipto. Hear firsthand how his role evolved from CFO to COO at iBanFirst, and the valuable lessons he learned about adaptability and problem-solving in the fast-paced world of startups.
Building a global team can be challenging, but Patrick shares his strategies for success, including the practical application of OKRs (Objective Key Results). With a team of 30 senior experts from diverse regions such as Belgium, France, Portugal, and Israel, maintaining company culture and alignment is crucial. Discover how frequent team events and the strategic use of English as a common language support their international ambitions. Patrick offers invaluable advice to aspiring entrepreneurs, encouraging them to take the plunge and learn from their journey. Plus, get an introduction to Fipto's mission to enhance transparency, speed, and cost-efficiency in corporate financial flows using blockchain technology.
Explore the future of financial services with insights into regulatory compliance under the evolving MICA framework and the significance of Central Bank Digital Currencies (CBDCs). Patrick discusses the challenges of on-ramping and off-ramping in regions like Latin America, Africa, and Asia, and the proactive regulatory environment in France that supports fintech growth. Learn about the cost-saving benefits of blockchain technology, especially in high-cost corridors, and the varying regulatory landscapes in emerging markets. We also delve into the growing influence of AI in the financial industry and its potential to enhance efficiency. This episode is packed with insights for anyone interested in the cutting-edge of fintech innovation.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Unlock the secrets of cross-border financing in Europe with Keiu Kalaus, the brilliant Chief Product Officer at Mifundo. From her unexpected career pivot from a Spanish translator to a leading innovator in the financial sector, Keiu’s journey is nothing short of inspiring. We dissect the barriers to cross-border lending within the EU, enriched by Keiu’s personal anecdotes and her deep understanding of systemic financial challenges. Gain invaluable insights into Mifundo's groundbreaking solutions, designed to bridge the gap between customer needs and banking requirements.
We delve into the nuts and bolts of Mifundo's mission. You’ll find practical tips on time management and goal visualization that could revolutionize your business approach.
As we look ahead, explore Mifundo's ambitious growth plans within Europe, powered by cutting-edge AI for credit scoring and bank-customer matchmaking. Hear about the development of AI-driven machine learning models that promise to transform financial services, all under the careful watch of human oversight. We also examine the impact of European funding, regulatory frameworks, and the exciting potential of user-owned credit bureaus. This episode paints a vivid picture of the future of cross-border lending, addressing the complexities of currency risk and the regulatory landscape. Join us to see how Mifundo shapes a seamless financial future for expats and beyond.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Can sustainability and finance truly coexist without sacrificing one for the other? Find out as we sit down with Niels, the visionary co-founder and CEO of Matter, a Denmark-based fintech company revolutionizing sustainability data analytics. Niels' impressive journey from the United Nations to co-founding Matter provides a unique perspective on how to mobilize capital for sustainable development. Listen as he shares how Matter bridges the gap between financial performance and real-world impact, offering a comprehensive view that aligns with internationally recognized frameworks like the UNSDGs and the Global Compact.
Unlike traditional ESG providers, Matter goes beyond assessing financial risks to understand the broader impact of companies on society and the environment. Niels explains how a combination of company-reported data, external information, and sentiment analysis delivers meaningful insights for institutional investors, asset managers, and pension funds. If you're passionate about the intersection of finance and sustainability, this episode is packed with valuable information on how innovative data analytics are paving the way for a more sustainable future. Tune in to hear how Matter's pioneering approach is setting new standards in assessing sustainability and real-world impact.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Have you ever wondered how cutting-edge technology can transform the financial landscape? In this episode of the Connector podcast, we bring you an exclusive conversation with Jean-Gabriel and Andrew from Exthand. They unravel the fascinating story of their company’s rise from its inception in 2018 to becoming a pioneer in open banking solutions. Jean-Gabriel sheds light on their unique customer-operated cloud solution, ensuring top-notch data security and privacy. Andrew shares compelling client success stories, including collaborations with Treasury Intelligence Solutions and Swave, showcasing how Exthand's technology revolutionises cash management and contributes to local economies.
Explore the intricacies of data standardization in open banking as Andrew takes us through the technological challenges and innovative solutions Exthand offers. With connections to over 2,300 banks, Exthand’s role in maintaining consistent and valuable data is pivotal. We discuss the broad applicability of their customizable solutions across various industries and their ambitious plans for global expansion into key markets like the UK, Brazil, and India. Andrew also provides practical advice for FinTech enthusiasts and professionals on connecting with Exthand for infrastructure needs. Join us for an insightful episode packed with expert knowledge and future-forward visions in FinTech.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Have you ever wondered how startups manage to scale successfully without falling apart? Join us as we welcome back Liesl from BBD, who shares invaluable insights into the transition from startup to scale-up, revealing the common pitfalls and how to navigate them. Liesl underscores the importance of moving beyond "just for now" technical decisions and adopting sustainable architectures and processes. Listen in to learn about conducting a comprehensive health check that delves into your solution's architecture, team dynamics, IT processes, chosen technologies, and user experience to ensure a smooth and successful transition.
In the next segment, we focus on optimizing scale-ups for maximum efficiency. Through real-world journeys, we illustrate how initial ideas can transform into robust, scalable platforms. Discover the significance of smart architecture, cutting operational costs via cloud solutions, and maintaining high customer satisfaction by deeply understanding their needs. We also touch on emerging trends in cloud management, financial operations, and security, offering practical strategies to prepare your business for sustainable growth and cost efficiency in the cloud. Don't miss this episode packed with actionable insights for scaling your startup successfully!
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Have you ever wondered how complex regulatory requirements can be transformed into user-friendly, visually appealing reports? Gain exclusive insights from Sinan Gabel, CEO and founder of Qvonto, and his partner Christian Lysholm, CCO, as they walk us through Qvonto's groundbreaking approach to simplifying regulatory reporting for clients in Luxembourg, Switzerland, and the Nordics. Discover how their end-to-end system manages everything from data transformation to generating high-quality reports, making compliance efficient and accessible.
On our latest episode of the Connector Podcast, delve into the technical prowess behind Qvonto’s solutions. Sinan and Christian explain the critical role of real-time data in maintaining the accuracy and relevance of their reports, ensuring that regulatory documents are compliant, easy to understand, and engaging to read. Learn how their system continuously monitors and updates reports, instantly adapting to underlying data changes. Don’t miss this fascinating discussion on how Qvonto sets new benchmarks in the fintech and regulatory sectors.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Ever wondered how a simple pivot can redefine a company's destiny? That's exactly what Johannes from POM reveals as we explore the transformation of the invoice payment landscape on the Connector Podcast. Johannes takes us through the inception of POM, originally designed to ease the pain points of consumers managing their bills, to its strategic shift in 2017 which now serves the needs of businesses for expedited and accurate invoicing. This episode is a goldmine for anyone interested in the evolution of a fintech startup and the innovative solutions that come from persistence and adaptability.
Join us as we converse about POM's current achievements, boasting around 2,500 customers, and their expansion across essential sectors. We also scrutinize the integration of artificial intelligence in POM's services and their recent partnership with Mail2Pay, which has been a game-changer since December 2022. This discussion is not just about fintech innovation; it's about how a company like POM is carving a niche in revolutionizing business transactions for happier customers and healthier bottom lines. Tune in for an inspiring journey through entrepreneurship, technology, and the power of a well-timed pivot.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Get ready to navigate the complex tapestry of AI ethics and partnerships with the Connector podcast! I’m Koen Vanderhoydonk, and in this episode, I’m joined by IBM's Michel Van Der Poorten and Arrow's Francis Mukwayanzo to unravel how the tech titan IBM harnesses AI to amplify human ingenuity. Michel grants us exclusive access to IBM's conscientious approach to AI ethics. We don't stop there; join our discourse on the intricate dance of global AI applications and legislation, where you'll learn why the EU is at the forefront of this arena.
Continue to the conversation a link with us on LinkedIn
Michel: https://www.linkedin.com/in/michelvanderpoorten/
Francis: https://www.linkedin.com/in/fmukwaya/
Koen: https://www.linkedin.com/in/koenvanderhoydonk/
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Prepare to unlock the secrets of fintech's future as Ben Siklós from Budapest's PEAK joins me for a captivating exchange. This episode is a treasure trove of insights, with Ben, a trailblazer from Hungary's foremost fintech firm, guiding us through the industry's twists and turns. Together, we chart the resurgence of mega-round financings and dissect the implications of fluctuating equity funding and acquisition rates. With Bence's sharp expertise, get ready to glimpse the sector's promising path to recovery.
Venture further with us as we unravel the complexities of artificial intelligence in fintech, spotlighting AI's role in revolutionizing fraud detection and personalized banking services. Ben illuminates the rise of generative AI, offering a vision of how it's poised to transform the financial landscape. Moreover, we tackle the entwined fates of cryptocurrencies and 'buy now, pay later' models under the watchful eye of regulation. Our conversation promises a deep dive into how government intervention legitimises crypto, shaping its future and ours.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Embrace the future of financial transactions as we unravel the potential shift from traditional card payments to innovative open banking solutions with Jan Willem Stoffer from SOPRA Banking. Our latest conversation on the Connector podcast promises to elevate your understanding of the evolving fintech landscape, where the intertwining of technologies and regulations redraws the blueprint of global finance.
Join us as we dissect the complexities of open banking payments, fueled by Jan Willem's insights from a recent white paper. Together, we tackle the often-muddied waters of open banking, open finance, and open data, clarifying their distinct roles in the financial ecosystem. With the European Commission's P2 regulation acting as a catalyst, we examine how banks are transitioning towards a collaborative business model that could redefine consumer and business transactions. Don't miss the chance to gain a comprehensive perspective on where the future of financial services is heading straight from the experts shaping it.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Discover the enthralling world of risk intelligence as we sit down with Alexei from ClearPic, who guides us through the labyrinth of corporate information within the emerging markets of Central Asia and the Caspian region. His 15 years of experience unveil a realm where data is both a hidden treasure and a complex puzzle. With ClearPic's innovative approach, Alexei illustrates how, even in seemingly opaque markets, there are insights to be uncovered that can transform the way businesses and advisors navigate through the murky waters of corporate data.
Venture with us as we dissect the challenges of accessing reliable information in regions where traditional methods fall short and explore the critical importance of understanding local contexts—where sometimes cash flow control overshadows formal shareholding structures. Hear firsthand the geopolitical significance of these markets and how ClearPick's expertise in risk advisory is leading the charge in making sense of Central Asia's intricate and often underestimated economic landscapes. Alexei's comprehensive knowledge and the company's dedication to data discovery present an invaluable conversation for anyone interested in the interplay between regional nuances and global economic dynamics.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
In our latest Connector podcast episode, unlock the secrets of Asia's wealth management evolution with Shirkant Tiwari, a luminary from Valuefy. Listen as he narrates his journey from the historic city of Jaipur to reshaping the financial contours of an entire continent. His profound insights into the cultural fabric of Asian savings and investment traditions reveal a seismic shift towards modern financial practices powered by technology and innovation. Discover how systematic investment plans redefine personal finance in India, propelling a new era of economic growth and stability.
Witness firsthand the transformation of a culture rooted in savings into one embracing wealth management's complexities. Srikant's expertise highlights the massive ripple effects these changes have on global market dynamics, evidenced by the resilience of Indian markets against foreign investor trends. Through engaging stories and comprehensive analysis, this conversation with Srikant Tiwari provides an unparalleled glimpse into the future of finance in Asia, a region that's rapidly becoming a fulcrum of worldwide economic balance. Tune in for an episode that promises not just to inform but to enlighten on the monumental financial shifts occurring in the East.
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Koen Vanderhoydonk
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FinTech #RegTech #Scaleup #WealthTech
Unlock the future of fintech with us, Koen Vanderhoydonk, as we invite the astute Nelson Wootton, CEO and co-founder of Saascada, into our conversation. Prepare to have your perspective on banking innovation revolutionized as we dissect SaaScada's minimalist yet powerful approach to core banking solutions. Their cloud-native platform is a game-changer, providing a solid backbone for both fledgling challenger banks and established behemoths undergoing the daunting task of system upgrades. Nelson lays out the intricacies of product offerings and ledger management that form the pillars of SaaScada's strategy and elucidates how their reliance on event sourcing can slash infrastructure costs, making them a beacon for financial institutions navigating the stormy seas of modernization.
Step into Switzerland's financial haven, where we shine a light on SaaScada's groundbreaking event-driven system. With agility at the forefront, this innovative approach to data management empowers Swiss banking to embrace AI and regulatory reporting like never before, all while upholding its legendary financial stability. The episode goes beyond just tech talk - Nelson unveils our strategic plans to entrench ourselves in the European market, including opening a new Zurich office and the potential of instant payment systems to shake up the banking landscape. Please tune in for an auditory expedition that offers a unique blend of technological prowess, business acumen, and a rare insider view of Swiss banking's fintech evolution.
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Koen Vanderhoydonk
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FinTech #RegTech #Scaleup #WealthTech
Unlock the world of FinTech innovation with Roger Furrer and Jean-Philippe Bersier from ERI as they share their frontline insights on the OLYMPIC Banking System and more. As key players in the FinTech scene, Roger oversees ERI's operations in the German and Italian-speaking regions of Switzerland, while Jean-Philippe, with his long tenure since 2002, leads sales and marketing from Geneva with a truly global perspective. Their deep dive into the complexities of private banking and wealth management illuminates the industry's evolution and ERI's role in shaping financial technology across continents.
Our conversation with the ERI experts takes you behind the scenes of the financial markets, revealing how a core banking engine meets the sophisticated demands of various client bases worldwide. Roger and Jean-Philippe discuss the customization required to cater to Asia's complex financial products, Europe's diverse private banking needs, and the efficiency necessary for high-volume retail banking. They also touch upon ERI's unique client support model and the vital role of local partnerships in maintaining robust banking systems. Join us for a fascinating exploration into the strategies that underpin success in the dynamic realm of FinTech and banking.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Unlock the secrets of FinTech innovation with Salar from swissQuant, the sales team leader at the forefront of transforming the financial technology landscape. This episode promises to be an eye-opener as we discuss the evolution of swissQuant, from its quant house beginnings to becoming a software titan with a unique quant core. Salar, with his extensive experience in wealth management and strategic positions, offers invaluable insights into how the company has been shaping banking software solutions for almost two decades. From Europe to the Middle East and Australia, with sights set on South America, swissQuant's reach and expertise are truly global.
Get ready for an engaging conversation about how swissQuant perfectly balances user-friendly interfaces and robust, tier-one-grade analytics. Salar takes us behind the scenes of advisory and discretionary services in the financial industry, highlighting the importance of consistency and efficiency in client advising and portfolio management. The company's optimizer engine is a marvel in personalizing investment strategies, whether for a busy advisor needing quick proposals or managing complex, discretionary portfolios. By the end of our chat, you'll appreciate the intricate work swissQuant puts into every aspect of its software solutions, ensuring that financial institutions are equipped with the best tools to navigate the ever-changing tides of the FinTech world.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Unlock the secret to navigating the digitized financial world with Roy Kirby, the mastermind behind SIX Financial Information's core products. This episode is a must-listen for anyone keen on understanding the seismic shift in wealth management and the critical importance of data in the financial sector's evolution. Roy offers a rare glimpse into SIX's innovative approaches to cater to a new generation of tech-savvy clients, emphasizing the need for speed, accessibility, and quality in financial services. Moreover, he shares insights into the integration of AI in their operations, highlighting how this tech is revolutionizing the industry.
Sustainability isn't just a buzzword for SIX; it's a corporate ethos woven into every facet of their business, and Roy Kirby brings this to light in our conversation. Discover how SIX is launching new climate data and practising what it preaches by instituting sustainable habits within its company culture. From eschewing air travel for events to fostering a workplace that prioritizes environmental responsibility, SIX is setting the bar high. Tune in for an enlightening discussion that marries the financial world's demands with a commitment to ecological mindfulness.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Prepare to be enchanted by the future of finance as we unpack the Swiss WealthTech revelations! Our latest episode is a treasure trove of insights featuring the brilliant minds of Effy and Olga alongside industry trailblazer Urs. Together, we dissect the seismic shifts occurring at the nexus of technology and wealth management. Effy guides us through the labyrinth of Large Language Models that are transforming financial tools with unprecedented speed and accuracy, while Olga illuminates the path towards a perfect harmony between the personal touch and the might of machines in wealth advising. We muse over the pivotal role of customer education and experience, and Urs offers a visionary perspective on how advisors are reshaping their roles into those of mentors and coaches through the power of technology.
But that's just the tip of the iceberg. Strap in for a thought-provoking exploration of the wealth management landscape, where collaboration and technology converge in an electrifying dance. We probe the critical need for the industry to weave itself into the broader financial ecosystem to stay ahead of the curve. With a keen eye on the horizon, we celebrate the burgeoning synergy of tech tools and individual advisors, poised to redefine service and client engagement. This episode is an ode to the pioneers and the promise of a future where accessibility to high-end technology democratizes the playing field, stirring an optimistic wave of change throughout the wealth management realm. Join us, and witness the dawn of a new era where agility and collaboration are not just buzzwords, but the catalysts for an industry revolution.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Have you ever walked away from a financial meeting feeling you missed a personal connection? Yannick from DACX joins us to unravel this phenomenon and reveals how his epiphany led to the birth of a company revolutionizing customer intimacy in the financial sphere. As we chatted with Yannick, his passion for blending tech-savvy solutions with the human touch in financial services became clear. The conversation ditches the traditional script of dry fiscal chatter and explores the spectrum of human emotions and connections that can transform the client experience.
This episode is about more than numbers and strategies; it's about understanding the person behind the portfolio. Yannick takes us on a journey from DACX's conception at a 2019 Hackathon to its mission to equip relationship managers with tools to mesh with clients on a deeper level. His stories are a testament to DACX's commitment to reshaping sales interactions, ensuring that you have a place at the financial table whether you're a microeconomics enthusiast or someone seeking genuine human dialogue. If you want to redefine how you think about customer relationships, pull up a chair—you won't want to miss a moment of this enlightening discussion.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Fasten your seatbelts for an insightful journey with Philippe, the CEO of Amindis, as he showcases how the financial industry is grappling with the advent of ESG (Environmental, Social, and Governance) regulations. Tune in as he details the company’s strategic approach, discusses the impact of these regulations on the end customer, and explores the opportunities it presents.
Buckle up as we delve into the role of software solutions in navigating the complex world of asset management and insurance. Discover how Amindis is spearheading the industry's transition in this dynamic regulatory environment, and learn how the lack of standardization in ESG data can be an advantage. Join us for this enlightening conversation that promises to be a profoundly engaging fusion of finance, technology, and sustainability.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Ever wondered about the role of the British Embassy in shaping the fintech landscape? Are you curious how Belgian and UK fintech scenes blend? In this intriguing conversation, we're joined by Laure Clynckemaillie, a senior trade advisor at the British Embassy in Brussels, who provides us with a wealth of insights.
Laure shares her expertise from both sides of the channel, explaining the embassy's critical work supporting Belgian companies scaling up in the UK and assisting UK companies exporting to Belgium. She introduces us to five innovative UK fintech companies. From cybersecurity to AI, these firms bring a rich blend of digital insurance schemes, data analytics, and 24/7 customer service through chatbots, among other things. Join us as we explore what these companies aim to achieve from the DFS event in Brussels. We'll also compare the vibrant UK fintech scene with Belgium's, discussing their contributions to the economy and their interplay. You don't want to miss this conversation for a comprehensive look into the current fintech climate.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Have you ever wondered why instant access to your hard-earned salary isn't common in certain European regions? Discover the answer in our enlightening chat with Rie from SCUDI a groundbreaking fintech making waves in the industry. Rie paints a vivid picture of SCUDI, a software solution enabling employees to access their salaries immediately through a mobile app. You'll learn the motivation behind this venture and why Rie believes such a service was a glaring omission in the Belgian market.
Prepare to be inspired as we delve into how SCUDI is championing financial inclusion and empowering the younger generation who haven't yet built savings. We touch on the role of data and AI in their operations, from the minimal but essential employee information SCUDI handles to the use of algorithms. Plus, we'll explore why having instant access to your salary is widespread in 150 countries yet notably absent in some European regions. It's a fascinating conversation bridging fintech, employees' needs, and shifting market trends. Don't miss out!
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Step into an enlightening discussion with Frederik Lebeau, the CEO and co-founder of Datavillage, as we explore the transformative power of data collaboration within the finance and media industries. Discover how technological advancements and market presence foster this paradigm shift in data collaboration. Learn about the thrilling prospects of open finance, the potential for collaborative anti-money laundering efforts and the influence of the upcoming PSR-PLD3 regulation.
As we navigate this conversation, we'll shed light on the emerging use cases in the market, such as confidential data collaboration aimed at enhancing credit access for SMEs. We'll also ponder over the unique challenges large organizations face in operating across various departments, entities, and jurisdictions and how data collaboration could be the answer. Uncover how the maturity of technologies like confidential computing coupled with AI and large language models transforms perceptions towards data collaboration. So, get ready to immerse yourself in a captivating dialogue that pushes the boundaries of what we know about data collaboration.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Buckle up for a thrilling conversation with Valentina, the dynamic COO of Bankcontact Payconiq - a front-runner in providing payment solutions in the Belgian market. In this episode, we’ll take you on a journey through the company’s evolution in the ever-changing digital payment landscape. Valentina shows us their innovative features, including meal vouchers, digital invoices and the freshly minted merchant app.
Strap in as we explore the Belgian fintech sector with Valentina's seasoned insights. Discover how Bankcontact Payconiq harnesses opportunities from regulations such as the PSD2. Amidst the industry's continuous growth, understand the shift in consumer adoption, especially in digital payments during the pandemic. Join us for a comprehensive understanding of the digital payments landscape and anticipate the future.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Could your business be the next to benefit from a 50% cost reduction in just five months? That's precisely the kind of incredible result BBD, a South African software solution company, was able to deliver for one of their UK clients. Our guest for today, Liesl, who is at the helm of BBD's business development and growth strategy in Europe, shares this inspiring story and many more about BBD's journey, growth ambitions, and unique approach to project handling.
We’re not just talking about minor tweaks here. Learn how BBD leverages the power of the cloud to optimize and modernize systems, bringing significant savings and efficiencies to their clients. Liesl also gives us an insider's view of their successful expansion into the Netherlands and their next target - Belgium. They've already formed partnerships with big names like Deloitte, NN Insurance, ING, Rabobank, and BMW in the Netherlands. Listen in to discover BBD's business-centric approach to solving tech issues and discover if they could solve your business's challenges, too!
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Are you ready to decode the intricate dance between FinTech and its regulatory environment? Fear not, as Franck Manoukian, Chief of Staff at Regsharp, is leading us through this labyrinth. The discussion highlights how Regsharp serves as a guiding star for FinTech companies, helping them align with capital adequacy, acquire licenses, and stay compliant with the Anti-Money Laundering and Counter-Terrorist Financing (AML/CFT) frameworks. Franck also unravels the challenges businesses face today and how they leverage Regsharp's expertise to overcome these roadblocks.
The conversation takes a fascinating turn as we dissect the transformative impact of technology on the financial services landscape. We zoom into the user experience and how customer behaviour has ushered in this change. But here's the catch - is it the client behaviour that's driving regulations or the other way round? Frank offers his perspective on this conundrum and how Regsharp helps align new user behaviours with existing regulations. We also navigate the evolution of regulatory bodies and their growing collaborative approach towards the FinTech ecosystem. Don't miss out on this stimulating episode, which promises a unique blend of insight, knowledge, and thought-provoking discussion.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Ever imagined how artificial intelligence could reshape the world of invoicing? Get ready to be intrigued by Roel Verbeeck, founder of Ixor, as he takes us on a journey into a future where e-invoicing meets AI and cloud technology. With over two decades of experience in digitalization and innovation, Roel's insights are not to be missed. He introduces us to IxorDocs, an innovative AI-driven tool that recognizes the content of various documents and triggers process flows based on these findings.
Roel gives us a deep dive into the increasingly standardized e-invoicing world and IxorDocs' role in adhering to these norms. He spotlights the implementation of Peppol, a structure that standardizes the location of invoice numbers and amounts and also the way invoices are sent. This standard is gaining ground throughout Europe and even in Southeast Asia. As we explore the potential implications of this standardization, Roel suggests it could lead to increased data quality and unlock opportunities for innovative breakthroughs. This episode is a fascinating glimpse into the future of document processing and e-invoicing. Please tune in, and let's navigate the changing landscape of e-invoicing together.
Thank you for tuning into our podcast about global trends in the FinTech industry
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Get ready to embark on an enlightening journey with Marnix from Swan.io as we explore the fascinating realm of embedded finance. How does the idea of making banking as accessible and user-friendly as hailing a taxi with Uber sound? That's precisely what Swan.io aims to achieve, and with a handsome 37 million in recent fundraising, they're poised to take the Benelux market by storm. With a keen eye on hyperlocalization and innovative offerings like local iBan that foster trust and convenience, Swan.io sets a new benchmark for banking – one where you can open a bank account within hours through their platform!
Do you ever wonder how far-reaching the impact of seamless integration of banking into business services can be? We delve into this with Marnix as we uncover the transformative potential of embedded finance across diverse industries. Whether it's e-commerce, HR, or property management, integrating banking features into services is not just a game-changer; it's a revolution waiting to happen. Listen as Marnix shares an inspiring success story of streamlining banking for VMEs in property management companies. And as we gaze into the future, it's all about enhancing user experience by making banking an integral part of other platforms. Ready to experience the future of finance? Join us!
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Get ready for an enlightening conversation with Frederik from Area 42, a pioneering Belgian FinTech company, as we explore the intricate world of international trade finance. What if trade finance could be democratized and simplified, making it more accessible and implementable for small and medium businesses? Friedrich gives us an interesting take as he discusses Area 42's mission to make this a reality. He shares his team's unique challenges in their endeavour and how they plan to make international trade finance more attainable for SMEs, startups, and scale-ups.
Stay tuned as Friedrich walks us through the advantages of being free from legacy systems and the flexibility of adopting a technology-agnostic approach. Listen to the story behind their trailblazing B2B BNPL product, TermStack, and the benefits it offers customers. Get a sneak peek of what Friedrich expects from DFS and who he is eager to connect with. This episode is a must-listen for anyone keen on learning about advancements in trade finance or the dynamic field of FinTech. Join us on the journey to uncovering the untapped potential of trade finance for SMEs.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Step into the future with us as we sit down with Philippe De Prez, a seasoned fintech lawyer at Simont Braun, for an enlightening discussion on the forthcoming PSD3 regulations and their impact on open banking. From the potential disappearance of e-money institutions to the revolutionary reach of the Financial Information Data Access (FIDA) proposal, Philippe deftly navigates the intricate maze of European financial laws and paints an intriguing picture of the financial landscape to come.
As we delve deeper into the conversation, we uncover the myriad opportunities and challenges these new regulations present to the fintech sector. Through Philippe's insights, we unpack the potential simplicity of switching financial service providers ushered in by PSD3 and explore the implications of the recent Credit Directive on 'buy now pay later' providers. But we don't stop there. Philippe also shines a spotlight on what this could mean for the crypto industry, offering a fascinating look at the impending changes in the fintech world. Brace yourselves for a riveting journey into the heart of open banking and fintech!
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Ever wondered about the journey of the oldest FinTech in Belgium? Meet our guest, Frank Verhaest, a banking evangelist at the Isabel Group. He takes us through their riveting evolution from a joint venture between the four largest banks in Belgium to a unified payment platform that now includes 27 banks. From using diskettes and CDs to operating an internet-based platform, Isabel 6, the Isabel Group's transformation is nothing short of remarkable.
We’ll explore the group's strategic acquisitions that have reshaped its positioning and propelled it into new realms, such as the world of open banking through Ibanity. Frank also talks about the future of data exchange with PSD3 and how Isabel Group intends to stitch different solutions together to provide a holistic approach to banks. As a bonus, we delve into the impact of blockchain technology and its application in Know Your Customer (KYC) protocols.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
What if your AI chatbot could handle payments, revolutionizing the customer-business interaction? As a tech enthusiast, your curiosity must be piqued. Welcome to a conversation brimming with innovation and forward-thinking ideas, featuring Jerome, founder of Ingram. In this chat, we delve deep into the realm of fintech, cyber security, and AI as Jerome introduces us to Ingram, their latest venture that embeds payment systems into AI chatbots. Listen along as we explore how this technology could not only transform customer service but also redefine responsible AI usage.
We continue our deep-dive into the concept of 'responsible AI' and the role of regulations in this rapidly evolving field. Jerome's insights into how AI can enhance customer experience, especially in the financial sector, are nothing short of fascinating. However, he also highlights the challenges that arise due to outdated regulations and the need for this sector to catch up. If you're interested in tech, fintech, and AI trends, this episode is a must-listen. Plus, we'll let you in on how you can reach out to Jerome to learn more about Ingram. Tune in for an episode packed with insightful discussions, innovative ideas, and a peek into the future of AI.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Imagine a bank that's accessible to everyone, can open accounts in mere five minutes, and caters to a diverse customer base. Such a bank exists, and it's known as Nickel. On this episode of Connector, we engage in a riveting conversation with Nickel's CEO, Emmanuel. He peels back the curtain on Nickel's mission of financial inclusivity, its unique blend of digital and physical banking services, and its partnership with one of the world's largest banking groups.
From the humble beginnings to the current expansion across Europe, Nickell tells a story of innovation and inclusivity. Emmanuel sheds light on how the bank utilizes data to drive growth, enhance customer experience, and ensure security. He offers insights into how they navigate the balance between the digital and physical world of banking. This episode promises a fascinating exploration into the future of banking, fintech, and the rapidly evolving landscape of financial services. Tune in and discover how Nickel is making waves in the banking industry.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Ready to challenge your perception of the finance world and how it intersects with technology? You're in the right place. We sit down with Noelia, the head of financial services go-to-market at ServiceNow, a company catapulting growth rates of 25%-30% annually with its powerful workflow automation tools. Noelia gives a behind-the-scenes look at how ServiceNow has pivoted through the COVID-19 pandemic, accelerating automation and sparking connectivity, becoming a significant player in the landscape of financial technology.
Don't miss exploring the complex dance between tech and regulation in the financial sector. Although ServiceNow isn't regulated, it's deeply aware of its customer base's regulated nature, shaping its offerings accordingly. Noelia also pulls back the curtain on ServiceNow's inspiring collaborations with NVIDIA and Accenture, leveraging Generative AI to revolutionize the operation of financial institutions. Be prepared to be blown away by the future of FinTech as we traverse this exciting journey with Noelia. The ultimate revelations await you!
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Are you looking for a fresh perspective on cross-border payments? You won't want to miss our insightful conversation with Petter Sandgren, the CEO of Centiglobe. Petter brings his two-decade-long expertise from SEB to Santiglobe and opens up about his transformational journey. He shares the breakthrough moment when he realized the potential of real-time money movement, a concept revolutionizing the industry. Discover Centiglobe's role in messaging, understand the complexities of value transfer, and how value can be moved instantly between banks across time zones.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Join the conversation with A. Mustafa Baltaci from PrimeX achieved remarkable success at the Fintech Factor competition held during the Latvia Fintech Forum 2023.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Join the conversation with Arturs Piliksers from Bonusukarta achieved remarkable success at the Fintech Factor competition held during the Latvia Fintech Forum 2023.
Bonusukarta offers a uniquely filtered Mastercard that empowers employers to provide funds for catering and healthcare expenses. Additionally, it allows to receive tax advantages according to the Latvian law "On Personal Income Tax".
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Join the conversation with Amit Gandhi and Mohnish Awade from Praxis Digital. They talk about the latest AI and Machine Learning trends in the financial industry.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Join the conversation with Marine Krasovska from the Central Bank of Latvia. She talks about the Latvian Fintech Forum on the 10th of October. She describes what it is to do business as a financial institution or Fintech in Latvia (Riga).
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Join the conversation with Paul Kant from InvestHK. She talks about HK FinTech week from 30/10 to 05/11. She describes what it is to do business as a financial institution or Fintech in Hong Kong.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Join the conversation with Sourav Ghosal from APIX. He talks about how companies can innovate in the Financial Industry. He gives several tips on innovating and collaborating using the APIX platform.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Join the conversation with Janet Chenery from RegTech New Zealand. She talks about how the association fosters collaboration and innovation between the RegTech's, banks and regulators.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Join the conversation with Roel Peeters from nextAuth. He talks about user authentication and the latest innovation that combines UX and the highest security level: Mobel passwordless multi-factor authentication and e-signature solutions.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Join the conversation with Roger Portnoy, Strategic Advisor, Objectway. He talks about the OWIN23 event and the topics that have been discussed.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Join the conversation with Kurt Vanhee, Managing Director Continental Europe & North America at Objectway. He talks about the challenges and opportunities for the wealth management industry and how Objectway helps (private)banks, IFA's and wealth managers to be successful globally at OWIN23 organised by Objectway.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Join the conversation with Thomas Rostron, president at CFA Society Belgium. He talks about CFA, sustainability and the latest trend in the financial industry at the Trends Investment Summit 2023.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Join the conversation with Crispin Rolt CCO at Performativ. He talks about how technology helps family offices, private banks and IFA's to thrive using the Performativ leading SaaS WealthTech platform at the Trends Investment Summit 2023.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Join the conversation with Thomas Ketchell, co-founder at Curvo.
He talks about investment solutions for the younger generation at the Trends Investment Summit 2023.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Join the conversation with Gunther De Backer, Partner at Backstage Communications. He talks about how PR can help Fintechs to earn media coverage and about the latest trends at the Trends Investment Summit 2023.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Join the conversation with Nairi Jayne Tarakdjian, business development at LuxFlag. She talks about sustainable labels for financial instruments at the Trends Investment Summit 2023.
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Koen Vanderhoydonk
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FinTech #RegTech #Scaleup #WealthTech
The takeaway from this session is that open banking, or the open data economy, is possible and can benefit consumers. It needs to be managed correctly, with the right technologies and user consent management at its core. Open finance is not just about data sharing but also about collaboration between different parties and leveraging new technologies such as privacy enhancement and consent management to ensure that data is secure. Open finance is an opportunity for Europe, but it needs strong support from all sides to succeed.
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Koen Vanderhoydonk
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FinTech #RegTech #Scaleup #WealthTech
Join the conversation with Frederic Lebeau, co-founder at DataVillage.
He talks about the opportunities for data collaboration in the Financial industry. From open banking to open finance to data collaboration.
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Koen Vanderhoydonk
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FinTech #RegTech #Scaleup #WealthTech
Join the conversation with Esge Räder, Chief Commercial Officer at AQRisk.
He talks about the challenges and opportunities in the credit and loan market. Learn how to upgrade your core banking system with proven technology from the Nordics.
Happy holidays everyone.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealthTech
Join the conversation with Danny Gal, Chief Operation Officer and Chief Revenue Officer at Clausematch. He talks about the Compliance and Risk challenges in the market.
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Koen Vanderhoydonk
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FinTech #RegTech #Scaleup #WealthTech
Join the conversation with Alessandra Gambril - Guion from Fintech Belgium and Alex Panican from the LHoFT talking about their presence at the Singapore Fintech Festival (SFF 2022). Recorded live at SFF 2022.
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Koen Vanderhoydonk
koen.vanderhoydonk@jointheconnector.com
FinTech #RegTech #Scaleup #WealtTech
Join the conversation with Karim Sinno, managing director of Fynhaus. He talks about the forthcoming migration from ISO15022 to ISO20022.
Banking software solution provider for 40+ banks
SWIFT Global Payment Initiative (GPI) implementations
ISO2022 migration engine from ISO15022
AML screening directly from SWIFT-Fin messages
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Koen Vanderhoydonk
koen.vanderhoydonk@joint...
Join the conversation with Dr. Andras Rung from Ergomania. He talks about the importance of UX/UI at FinTechs and Banks during the Digital Finance Summit 2022 in Brussels organised and sponsored by Fintech Belgium.
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Koen Vanderhoydonk
koen.vanderhoydonk@joint...
Join the conversation with Pierre Nemeth from Sopiad. He talks about the importance of ESG and Sustainability for banks and within the FinTech and WealthTech industry during the Digital Finance Summit 2022 in Brussels, organised and sponsored by Fintech Belgium.
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Koen Vanderhoydonk
koen.vanderhoydonk@joint...
Join the conversation with Sigrid De Wever from KBC. She talks about open data and data innovation at banks during the Digital Finance Summit 2022 in Brussels, organised and sponsored by Fintech Belgium.
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Koen Vanderhoydonk
koen.vanderhoydonk@joint...
Join the conversation with Vincent Defour from Trensition. He talks about resilience and trends in the financial industry during the Digital Finance Summit 2022 in Brussels, organised and sponsored by Fintech Belgium.
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Koen Vanderhoydonk
koen.vanderhoydonk@joint...
Join the conversation with Sylvie Vandevelde from ITSMe. She talks about technology trends in the financial industry during the Digital Finance Summit 2022 in Brussels, organised and sponsored by Fintech Belgium.
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Koen Vanderhoydonk
koen.vanderhoydonk@joint...
Join the conversation with Marc Tielemans, founder and CEO of Real CGR. He talks about the link between business resilience and ESG.
Real CGR is a Regulatory Technology “RegTech” supplier in business resilience, continuity management, data protection, privacy rights management and smart crisis alerting.
Thank you for tuning into our podcast about global trends in the FinTech industry.
Check out our podcast channel.
Learn more about The Connector.
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Cheers
Koen Vanderhoydonk
koen.vanderhoydonk@joint...