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Digital banks have spent years chasing customer growth. But scale alone does not create profitability.

In this episode of Couchonomics with Arjun, Simon Loong, Founder and Group CEO of WeLab, explains what it takes to build a successful digital bank across Asia.

He shares why lending remains central to profitability, why standalone fintechs face a harder path, and how banking licences, AI, stablecoins and regional expansion are shaping the next phase of digital banking.

🎙️ In this episode:
• Why customer numbers are the wrong measure of scale
• What separates profitable digital banks from the rest
• Why lending remains central to digital banking economics
• The advantages and costs of obtaining a banking licence
• Why ecosystems improve a digital bank’s chances of success
• How digital banking strategies change across Asian markets
• Where AI is actually creating value inside banks
• How stablecoins and digital assets may connect with traditional finance
• Why profitability deserves more attention than growth

⏱️ CHAPTERS
01:43 Building one of Asia’s largest fintech companies
08:22 Leaving banking to become a fintech founder
10:31 Why fintechs pursue banking licences
19:33 The playbook behind profitable digital banks
27:19 Serving mature and underbanked markets
39:40 Can a pan-Asian digital bank succeed?
45:32 Where AI is actually delivering value in banking
49:16 Stablecoins, tokenisation and digital assets

SOCIAL LINKS
Arjun's LinkedIn → https://www.linkedin.com/in/arjunvirsingh/
Couchonomics LinkedIn → https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
Instagram → https://www.instagram.com/couchonomics/
Twitter (X) → https://twitter.com/Arjun_Vir_Singh
TikTok → https://www.tiktok.com/@couchonomics
Newsletter → https://bit.ly/3WI4A6E

PARTNERS
Couchonomics with Arjun Season 04 is brought to you by:
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Thunes → https://thunes.com/
Mastercard → https://mastercard.com/
e& → https://www.eand.com/
Digit9 → https://www.digitnine.com/
SC Ventures → https://scventures.io/

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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Every day we create data, but almost none of us know who really owns it.

In this episode of Couchonomics with Arjun, André Vellozo, Founder and CEO of DrumWave, joins the show to explore one of the biggest questions facing the digital economy: what if people could own their data the same way they own money?

André explains why privacy is only the beginning of the conversation, why AI is accelerating the need for data ownership, and why he believes the world needs entirely new infrastructure that allows people, businesses, and governments to exchange data securely while creating value for everyone involved.

🎙️ In this episode:
• Why owning your data is different from protecting your privacy
• The idea behind data wallets and how they could work
• Why AI is changing the value of personal data
• How people could eventually earn from the data they create every day
• Why governments, banks and technology companies are all competing around digital identity
• Brazil's national experiment with data wallets
• Whether data could become a new asset class
• What it will take to build a global data economy

⏱️ CHAPTERS
01:51 What DrumWave is building
09:01 Why data behaves more like money than information
17:12 How data wallets could work
24:00 Turning everyday data into an asset
31:49 Who should issue data wallets?
38:24 Can people really earn from their data?
43:19 Building the infrastructure for a data economy
50:22 Why governments are paying attention to data ownership

SOCIAL LINKS
Arjun's LinkedIn → https://www.linkedin.com/in/arjunvirsingh/
Couchonomics LinkedIn → https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
Instagram → https://www.instagram.com/couchonomics/
Twitter (X) → https://twitter.com/Arjun_Vir_Singh
TikTok → https://www.tiktok.com/@couchonomics
Newsletter → https://bit.ly/3WI4A6E

PARTNERS
Couchonomics with Arjun Season 04 is brought to you by:
Adyen → https://www.adyen.com/
Thunes → https://thunes.com/
Mastercard → https://mastercard.com/
e& → https://www.eand.com/
Digit9 → https://www.digitnine.com/
SC Ventures → https://scventures.io/

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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Can Europe build the next generation of global fintech leaders?

In this episode of Couchonomics with Arjun, Stefan Klestil, General Partner Fintech EMEA, joins the show to discuss venture capital, fintech investing, AI, digital assets, founder psychology, and why the Middle East and Africa have become one of the world's most compelling investment opportunities.

Stefan explains why Speedinvest launched its dedicated EMEA fund, what separates exceptional founders from everyone else, and why venture investors are increasingly looking beyond Europe for the next wave of global fintech success.

The conversation explores the rise of AI-driven fintech, stablecoins, tokenization, venture capital, cross-border financial infrastructure, regulation, and why governance often determines whether startups become lasting businesses.

🎙️ In this episode:

• Why Speedinvest launched a dedicated Middle East and Africa fund
• What makes founders capable of building regional and global companies
• Why AI could dramatically reduce the time needed to build fintech leaders
• The future of stablecoins, tokenization, and on-chain financial services
• Why venture capital is shifting toward growth markets
• How governance determines long-term startup success
• Why Europe still struggles to retain growth capital
• The fintech opportunities investors believe are still being overlooked

⏱️ CHAPTERS

01:51 Why the next fintech giants may come from emerging markets
09:13 Investing across Europe, the Middle East, and Africa
17:12 What investors really look for in founders
24:31 Stablecoins, tokenization, and on-chain finance
28:28 Is European fintech losing momentum?
36:05 Meta Reality: AI, MENA, and the future of fintech
41:31 The hardest lessons from backing founders
46:08 The fintech opportunities investors still underestimate

SOCIAL LINKS

Arjun’s LinkedIn → https://www.linkedin.com/in/arjunvirsingh/

Couchonomics LinkedIn → https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/

Instagram → https://www.instagram.com/couchonomics/

Twitter (X) → https://twitter.com/Arjun_Vir_Singh

TikTok → https://www.tiktok.com/@couchonomics

Newsletter → https://bit.ly/3WI4A6E

PARTNERS

Couchonomics with Arjun Season 04 is brought to you by:

Adyen → https://www.adyen.com/

Thunes → https://thunes.com/

Mastercard → https://mastercard.com/

e& → https://www.eand.com/

Digit9 → https://www.digitnine.com/

SC Ventures → https://scventures.io/

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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Is digital banking really about technology anymore?

It is becoming a battle for customer relationships, trust, data, and who owns the financial experience.

In this episode of Couchonomics with Arjun, Raheel Ahmed, Group CEO of RAKBANK, returns to discuss open finance, AI, stablecoins, SME banking, regulation, and the future of financial services in the UAE.

Raheel explains why open finance is being built for customers rather than banks, why products and pricing are becoming increasingly commoditized, and how financial institutions must rethink where they create value in a more transparent and competitive market.

The conversation explores how AI is already being deployed inside banks, the opportunities around stablecoins and tokenization, the future of SME financing, and why customer relationships may become the most important asset banks have.

From digital transformation and regulation to competition and emerging technologies, this episode examines how banking is evolving and what it will take to stay relevant in the years ahead.

🎙️ In this episode:

• Why open finance is a bigger disruption than many banks realize
• How AI is already transforming banking operations
• Why customer relationships matter more than products
• The future of stablecoins and tokenized deposits
• How RAKBANK approaches partnerships and innovation
• The evolution of SME banking and financing in the UAE
• Why regulation is accelerating change rather than slowing it down
• What banks must do to remain competitive in the next decade

⏱️ CHAPTERS

00:00 The future of banking, AI, and open finance
01:59 How UAE banks handled recent uncertainty
06:27 Regulation and the changing banking landscape
08:48 Why digital banking still needs a human touch
12:24 Payments, partnerships, and customer data
15:35 Stablecoins and tokenized deposits
22:11 Why open finance is a major disruption
27:13 The future of SME banking and lending

SOCIAL LINKS

Arjun’s LinkedIn → https://www.linkedin.com/in/arjunvirsingh/

Couchonomics LinkedIn → https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/

Instagram → https://www.instagram.com/couchonomics/

Twitter (X) → https://twitter.com/Arjun_Vir_Singh

TikTok → https://www.tiktok.com/@couchonomics

Newsletter → https://bit.ly/3WI4A6E

PARTNERS

Couchonomics with Arjun Season 04 is brought to you by:

Adyen → https://www.adyen.com/

Thunes → https://thunes.com/

Mastercard → https://mastercard.com/

e& → https://www.eand.com/

Digit9 → https://www.digitnine.com/

SC Ventures → https://scventures.io/

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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Digital finance is no longer only about banking apps and payments.

It is becoming a question of infrastructure, trust, customer behaviour, and how financial systems evolve in emerging markets.

In this episode of Couchonomics with Arjun, Nika Kurdiani, CEO of TBC Uzbekistan, joins the show for a sharp conversation on digital banking, AI, open banking, and why Uzbekistan is becoming one of the most interesting financial markets to watch.

Nika explains how TBC built one of the largest digital financial ecosystems in Central Asia, why customer experience matters more than legacy banking scale, and how AI is bringing the relationship manager back into the app.

From cash economies and digital adoption to regulation, ecosystem strategy, and the future of financial services, this episode explores what happens when fast-growing markets leapfrog traditional banking models.

🎙️ In this episode:

• Why Uzbekistan became a major opportunity for digital finance
• How TBC scaled to millions of users in under six years
• Why “cash is not a competitor, it is an opportunity”
• How open banking evolved differently in Uzbekistan
• The strategy behind building a digital financial ecosystem
• Why AI is changing customer relationships in banking
• How TBC built its own AI and language models
• Why trust is the most important currency in finance

⏱️ CHAPTERS

00:00 Trust, AI, and the future of banking
02:37 Why Uzbekistan is attracting investor attention
09:22 Lessons from Kaspi and digital banking growth
11:41 Open banking and interoperability in Uzbekistan
18:18 Building a digital financial ecosystem
25:05 Why AI became a major bet for TBC
33:46 Competition and the financial services flywheel
43:50 Regulation, agility, and emerging markets

SOCIAL LINKS

Arjun’s LinkedIn → https://www.linkedin.com/in/arjunvirsingh/

Couchonomics LinkedIn → https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/

Instagram → https://www.instagram.com/couchonomics/

Twitter (X) → https://twitter.com/Arjun_Vir_Singh

TikTok → https://www.tiktok.com/@couchonomics

Newsletter → https://bit.ly/3WI4A6E

PARTNERS

Couchonomics with Arjun Season 04 is brought to you by:

Adyen → https://www.adyen.com/

Thunes → https://thunes.com/

Mastercard → https://mastercard.com/

e& → https://www.eand.com/

Digit9 → https://www.digitnine.com/

SC Ventures → https://scventures.io/

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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Cybersecurity is no longer just a technical issue, it is now a human, business, and financial system challenge.

In this episode of Couchonomics with Arjun, Arjun is joined by Ralph Echemendia, Ethical Hacker and Cyber Security Expert, for a sharp conversation on hacking psychology, cybercrime, AI-driven fraud, and why financial institutions need to rethink security.

Ralph explains why some of the most dangerous attacks are not built on complex code, but on human vulnerability, trust, and social engineering.

From banks and insider threats to AI, quantum computing, and the myths Hollywood created around hackers, this episode looks at the real risks sitting behind digital finance today.

🎙️ In this episode:

• How Ralph first entered the world of hacking
• What hackers really feel when they gain system access
• Why banks still underestimate human vulnerability
• How social engineering bypasses expensive security systems
• What Hollywood gets wrong about hackers
• Why cybercrime is becoming more organised and commercial
• How AI is changing the speed and scale of attacks
• Why trust, vulnerability, and security are deeply connected

⏱️ CHAPTERS

00:00 Inside the mind of a hacker
00:54 Meet Ralph Echemendia, The Ethical Hacker
02:34 How hacking started for Ralph
16:43 Why banks struggle with human vulnerability
23:05 The penetration test that exposed a data centre
31:32 Cybersecurity myths and realities
35:07 AI, quantum computing, and the widening security gap
44:07 Trust, vulnerability, and the future of cybersecurity

SOCIAL LINKS

Arjun’s LinkedIn → https://www.linkedin.com/in/arjunvirsingh/

Couchonomics LinkedIn → https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/

Instagram → https://www.instagram.com/couchonomics/

Twitter (X) → https://twitter.com/Arjun_Vir_Singh

TikTok → https://www.tiktok.com/@couchonomics

Newsletter → https://bit.ly/3WI4A6E

PARTNERS

Couchonomics with Arjun Season 04 is brought to you by:

Adyen → https://www.adyen.com/

Thunes → https://thunes.com/

Mastercard → https://mastercard.com/

e& → https://www.eand.com/

Digit9 → https://www.digitnine.com/

SC Ventures → https://scventures.io/

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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Before a trading app reaches a user, there is an entire system underneath it doing the real heavy lifting.

In this episode of Couchonomics with Arjun, Arjun is joined by Yoshi Yokokawa, Co-Founder and CEO of Alpaca, for a sharp and wide-ranging conversation on brokerage infrastructure, on-chain finance, market access, and what it really takes to build financial products at global scale.

It is a grounded look at how trading has shifted from web to mobile to on-chain, why financial access still needs to be designed around culture and local behaviour, and what happens when traditional markets and digital assets begin moving closer together.

From tokenised stocks and stablecoins to prediction markets and infrastructure complexity, this conversation explores the less visible layer of finance, the one powering the apps, products, and experiences users see on the surface.

They also discuss why infrastructure should behave like a utility, what responsibilities licensed platforms carry around investor protection and market integrity, and why the long-term shift toward on-chain finance may be less about ideology and more about real product-market fit.

🎙️ In this episode:

• What Alpaca actually does and why brokerage infrastructure matters now
• How trading behaviour has evolved from desktop to mobile-first experiences
• Why financial products cannot be copied globally without cultural context
• The difference between building apps and building the infrastructure beneath them
• Why Yoshi believes everything will eventually move on-chain
• Stablecoins, tokenised stocks, and where real adoption is already happening
• Why bridging fiat and on-chain systems is harder than it looks
• The role of infrastructure in investor protection, compliance, and market safety
• Whether finance is heading toward super apps or continued specialisation
• Why Yoshi thinks access matters more than the language of “democratisation”
• Building globally across 45 countries and operating financial infrastructure at scale
• Yoshi’s view on Japanese founders, risk-taking, and what may change next

If you are trying to understand where financial infrastructure is heading, and how brokerage, stablecoins, tokenisation, and digital assets are starting to connect, this episode gives you a practical lens into the layer most people never see.

⏱️ CHAPTERS

00:00 Why infrastructure matters more than people think
01:00 Meet Yoshi Yokokawa and what Alpaca does
02:14 Why this is a big moment for brokerage infrastructure
04:54 How trading behaviour has changed over time
07:28 Why financial products need cultural context
09:30 Trading, gambling, and the role of infrastructure
12:19 Why Yoshi believes everything will move on-chain
15:14 Investor protection, fraud, and market integrity
18:05 Tokenised stocks and infrastructure complexity
20:51 Bridging fiat and on-chain finance
23:46 Bundling, unbundling, and where finance is going
27:04 Access vs democratisation in financial services
29:02 Building globally across 45 countries
33:40 Stablecoins, tokenisation, and real product-market fit
36:36 Why Alpaca stays focused on infrastructure
39:37 Yoshi on Japanese founders and startup culture

SOCIAL LINKS

Arjun’s LinkedIn → https://www.linkedin.com/in/arjunvirsingh/

Couchonomics LinkedIn → https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/

Instagram → https://www.instagram.com/couchonomics/

Twitter (X) → https://twitter.com/Arjun_Vir_Singh

TikTok → https://www.tiktok.com/@couchonomics

Newsletter → https://bit.ly/3WI4A6E

PARTNERS

Couchonomics with Arjun Season 04 is brought to you by:

Adyen → https://www.adyen.com/

Thunes → https://thunes.com/

Mastercard → https://mastercard.com/

e& → https://www.eand.com/

Digit9 → https://www.digitni

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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Money is no longer just held. It is moving, earning, and quietly reshaping the system around it.

In this episode of Couchonomics with Arjun, Arjun is joined by Anton Golub, Founding Member of RWA Labs, for a sharp, grounded conversation on what is actually happening beneath the surface of crypto, stablecoins, and tokenization.

It is a clear breakdown of how liquidity, leverage, and market structure are shaping Bitcoin cycles, why stablecoins are becoming impossible to ignore, and what happens when financial systems built for control collide with technologies built for movement.

From retail dominance in crypto markets to the real risks behind products like Strategy, and from yield-bearing stablecoins to the tension they create with traditional banks, this conversation stays rooted in what actually matters.

They also explore tokenization beyond the buzz, why most real-world asset experiments are still early, and how infrastructure gaps like liquidity, regulation, and market access continue to limit adoption.

🎙️ In this episode:

• What really caused recent Bitcoin volatility and liquidity drops
• Why retail still dominates crypto ownership more than we think
• Strategy, leverage, and the idea of “too big to fail” in crypto
• The reality behind stablecoin yield and why regulators are cautious
• How stablecoins could pressure smaller economies and currencies
• Tokenized deposits vs stablecoins and where each fits
• Why most tokenization use cases are still early or incomplete
• Real estate tokenization, liquidity gaps, and market readiness
• The future of Layer 1 blockchains and why many won’t survive
• Where crypto infrastructure still falls short today

If you are trying to understand where crypto meets real financial systems, and what actually drives adoption beyond narratives, this episode gives you a practical lens to think through it.

⏱️ CHAPTERS

00:00 Bitcoin, yield, and why stablecoins are everywhere
03:00 What broke the crypto market and liquidity after October
07:00 Who really owns Bitcoin today
11:00 Strategy, leverage, and systemic risk
14:00 Stablecoin yield and regulatory pressure
20:00 Stablecoins vs monetary policy in emerging markets
23:00 Tokenized deposits vs stablecoins explained
29:00 Cross-border payments and real-world use cases
33:00 Tokenization of real-world assets, reality vs hype
40:00 Layer 1 blockchains and future consolidation

SOCIAL LINKS

Arjun’s LinkedIn → https://www.linkedin.com/in/arjunvirsingh/

Couchonomics LinkedIn → https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/

Instagram → https://www.instagram.com/couchonomics/

Twitter (X) → https://twitter.com/Arjun_Vir_Singh

TikTok → https://www.tiktok.com/@couchonomics

Newsletter → https://bit.ly/3WI4A6E

PARTNERS

Couchonomics with Arjun Season 04 is brought to you by:

Adyen → https://www.adyen.com/

Thunes → https://thunes.com/

Mastercard → https://mastercard.com/

e& → https://www.eand.com/

Digit9 → https://www.digitnine.com/

SC Ventures → https://scventures.io/

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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Fraud is not new. But the scale, speed, and sophistication have changed.

In this episode of Couchonomics with Arjun, Arjun is joined by Navin Gupta, CEO of Crystal Intelligence, and Nick Smart, Chief Intelligence Officer at Crystal Intelligence, to unpack the evolving world of crypto-related fraud, institutional risk, and the uncomfortable truth about financial crime in a 24/7 digital economy.

From the Lazarus Group and the Bybit hack to scam compounds operating at industrial scale, this conversation moves beyond headlines and into how crypto crime actually works, why velocity of money matters, and whether regulation is finally catching up.

They explore the intersection of traditional finance and digital assets, stablecoins, tokenization, AI-driven fraud, and the systemic risks emerging as crypto integrates deeper into the global financial system.

🎙️ In this episode:

• Why crypto fraud is industrialized, not amateur
• The Lazarus Group and lessons from the Bybit incident
• How blockchain transparency changes crime investigation
• AI as a multiplier for scams and financial crime
• Why 24/7 markets clash with 9–5 regulatory systems
• Stablecoins, velocity of money, and systemic risk
• Tokenization: real utility vs liquidity illusion
• Regulatory arbitrage and geopolitical blind spots
• Financial inclusion vs vulnerability in emerging markets
• Scam Alert and how reporting fraud protects the ecosystem

If you care about the future of finance, financial inclusion, stablecoins, or institutional crypto adoption, this episode offers a clear-eyed view of where risk really sits.

⏱️ CHAPTERS

00:00 Fraud in the digital era and why crypto attracts it
01:00 What Crystal Intelligence actually does
05:00 Is crypto more opaque than traditional finance?
12:00 Industrial-scale scam compounds and modern fraud
16:30 The Lazarus Group and the Bybit hack
21:00 Velocity of money vs cost of fraud
26:00 Regulation catching up to digital assets
30:00 Stablecoins, custody, and institutional adoption
35:00 Exchanges, compliance, and global licensing gaps
38:00 Layer 1s, liquidity, and criminal behavior
44:00 AI, 24/7 markets, and systemic vulnerabilities
49:00 Tokenization, real world assets, and risk
52:00 Informal value transfer systems and financial inclusion
56:00 Scam Alert and collective responsibility

SOCIAL LINKS

Arjun’s LinkedIn → https://www.linkedin.com/in/arjunvirsingh/

Couchonomics LinkedIn → https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/

Instagram → https://www.instagram.com/couchonomics/

Twitter (X) → https://twitter.com/Arjun_Vir_Singh

TikTok → https://www.tiktok.com/@couchonomics

Newsletter → https://bit.ly/3WI4A6E

PARTNERS

Couchonomics with Arjun Season 04 is brought to you by:

Adyen → https://www.adyen.com/

Thunes → https://thunes.com/

Mastercard → https://mastercard.com/

e& → https://www.eand.com/

Digit9 → https://www.digitnine.com/

SC Ventures → https://scventures.io/

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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Is banking really changing at the core, or are we just putting better apps on old rails?

In this episode of Couchonomics with Arjun, Arjun is joined in studio by Jayesh Patel, CEO of Wio Bank PJSC, to unpack what real transformation inside a bank actually looks like, how AI is reshaping operating models, and why stablecoins may compress time in money movement far more than most people realize.

They break down the difference between digitizing processes and restructuring around the customer, why SME banking still has structural gaps, and how Wio is building with micro AI agents, smart offices, and long term product bets like family banking. They also dive into crypto as an investment class, regulated stablecoins in the UAE, and whether banks should issue, distribute, or build on top of digital currencies.

🎙️ In this episode:
• Are banks truly transforming or just digitizing bureaucracy
• What customer obsession looks like beyond marketing language
• Why SMEs still struggle with onboarding and credit access
• AI micro agents and the shift toward a smart office model
• Crypto as an investment class and real user behavior on platform
• Stablecoins, regulation, and where real utility begins
• Payments strategy and building in house vs partnering
• Embedded banking through TAMM and platform distribution
• Competition in the UAE and what the next five years could look like

👉 Watch the full episode if you want a grounded view of how digital banks evolve from the inside, what stablecoins could mean for liquidity and payments, and where the real structural shifts in banking are happening.

SOCIAL LINKS
Arjun’s LinkedIn → https://www.linkedin.com/in/arjunvirsingh/
Couchonomics LinkedIn → https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
Instagram → https://www.instagram.com/couchonomics/
Twitter (X) → https://twitter.com/Arjun_Vir_Singh
TikTok → https://www.tiktok.com/@couchonomics
Newsletter → https://bit.ly/3WI4A6E

PARTNERS
Couchonomics with Arjun Season 04 is brought to you by:
Adyen → https://www.adyen.com/
Thunes → https://thunes.com/
Mastercard → https://mastercard.com/
e& → https://www.eand.com/
Digit9 → https://www.digitnine.com/
SC Ventures → https://scventures.io/

CHAPTERS:
00:00 Is banking really changing or just digitizing old rails
01:10 Jayesh Patel on building Wio and scaling a digital bank
05:30 Customer obsession vs legacy operating models
11:40 The SME banking gap and structural constraints
18:20 AI micro agents and the smart office model
27:30 Crypto as an investment class and user behavior
35:00 Stablecoins, regulation, and real world use cases
43:20 Payments strategy and in house build vs partnership
49:30 Embedded banking and the TAMM collaboration
54:30 Competition in the UAE and what the next five years look like

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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Technology is changing what people expect from money, and stablecoins are turning that into reality.

In this episode of Couchonomics with Arjun, Arjun is joined from New York by Stephen Richardson (CSO and Head of Banking at Fireblocks) to break down why digital assets are back at the center of banking strategy, what stablecoins are really unlocking, and where banks are at risk of getting disintermediated if they treat this like “just another rails upgrade.”

They unpack the on-chain vs off-chain convergence, why stablecoins became the real “killer app” for blockchain UX, and why the next wave isn’t just crypto trading, but new product models: stablecoin acceptance, payouts, FX orchestration, stablecoin clearing, tokenized deposits, and tokenized assets that can move and settle with fewer constraints.

🎙️ In this episode:
• Why digital assets momentum is rising again in 2026
• Stablecoins as the “money on-chain” unlock (and why that changed everything)
• TradFi + DeFi convergence: where the customer actually feels it
• Real-time payments vs 24/7 money movement: what banks still miss
• What banks should do first: acceptance, payouts, FX, clearing, interoperability
• Why “40 stablecoins” is a UX problem (and who solves it)
• Stablecoin-as-a-Service vs Banking-as-a-Service: what gets leapfrogged
• Tokenization explained: native on-chain assets vs digital twins
• What’s next to tokenize: gold, treasuries, and trade foundations
• What Fireblocks is building towards: commercially viable use cases, not demos

👉 Watch the full episode if you want a clear, non-hype view of how stablecoins and tokenization can reshape banking operating models, and what banks and fintechs should do before the new rails become the default.

SOCIAL LINKS
Arjun’s LinkedIn → https://www.linkedin.com/in/arjunvirsingh/

Couchonomics LinkedIn → https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/

Instagram → https://www.instagram.com/couchonomics/

Twitter (X) → https://twitter.com/Arjun_Vir_Singh

TikTok → https://www.tiktok.com/@couchonomics

Newsletter → https://bit.ly/3WI4A6E

PARTNERS
Couchonomics with Arjun Season 04 is brought to you by:
Adyen → https://www.adyen.com/
Thunes → https://thunes.com/
Mastercard → https://mastercard.com/
e& → https://www.eand.com/
Digit9 → https://www.digitnine.com/
SC Ventures → https://scventures.io/

CHAPTERS:
00:00 Stablecoins, fintech platforms, and “money on-chain”
01:00 Who Stephen Richardson is + what Fireblocks does
02:10 Why digital assets now: what changed since the last cycle
05:00 Stablecoins as the killer UX unlock for blockchain
08:05 On-chain + off-chain convergence: where it’s heading
14:40 Real-time payments vs 24/7 money: visibility, trust, orchestration
17:30 What banks must shift to: platform mindset + on-chain products
25:05 First moves banks can make: accept, convert, payout, FX
33:45 What holds stablecoins back: regulation, dollarization, identity/KYC
44:15 Tokenization explained + what’s ready next (gold, treasuries, trade)

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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Japan is often seen as a “mature” financial market.
But the real story is in what’s quietly shifting underneath.

In this episode of Couchonomics with Arjun, Arjun is joined from Tokyo by Pieter Franken (Co-Founder & CEO at GFTN Japan) to unpack what’s actually changing in Japan’s fintech and digital assets landscape and what it means for founders, investors, and global players looking at the Japan opportunity.

They go deep on stablecoins and why Japan may be ahead on regulation, the upcoming move to classify crypto and digital assets as financial instruments, and why payments remain fragmented despite Japan’s innovation legacy. The conversation also explores what could unlock faster adoption (from interoperability to cost structures), how Japan’s national digital ID rollout could become a foundational layer, and why Japan–MENA collaboration is still early but strategically important.

🎙️ In this episode:
• What’s really changed in Japan fintech over the last 12 months
• Stablecoins in Japan: regulation, launches, and why it matters now
• The big shift: crypto moving from “non-financial” to “financial instrument”
• Why Japan’s payments ecosystem is still fragmented (and what could fix it)
• Open banking, consumer adoption, and the cost problem for merchants
• The digital ID layer Japan is finally accelerating (MyNumber)
• Japan–MENA corridors: where collaboration is real vs. where it’s early
• What to expect at GFTN Forum Japan 2026: AI, tokenization, and cross-border corridors

👉 Watch the full conversation to understand what’s brewing in Japan, why regulation is setting up the next phase of digital assets and payments, and where the real opportunities could emerge next.

SOCIAL LINKS
Arjun’s LinkedIn → https://www.linkedin.com/in/arjunvirsingh/

Couchonomics LinkedIn → https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/

Instagram → https://www.instagram.com/couchonomics/

Twitter (X) → https://twitter.com/Arjun_Vir_Singh

TikTok → https://www.tiktok.com/@couchonomics

Newsletter → https://bit.ly/3WI4A6E

CHAPTERS
00:00 Japan fintech beyond the stereotypes
01:05 Who Peter Franken is + what GFTN Japan does
02:20 What shifted in Japan over the last 12 months
03:10 Stablecoins: why Japan is moving early
05:00 Crypto reclassification: what changes when it becomes a financial instrument
08:10 Open banking reality check + what’s still missing
10:10 Cash vs digital payments: Tokyo vs the rest of Japan
12:20 Interoperability problem: too many silos, too many rails
14:10 What could unlock faster adoption (cost, standards, stablecoins, points)
16:30 Digital ID (MyNumber) as Japan’s DPI foundation
22:10 Japan–MENA corridor: what’s real today, what could grow next
28:40 What to expect at GFTN Forum Japan 2026 (AI, tokenization, corridors)

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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Payments in emerging markets are often discussed as infrastructure.
But the real differentiation happens in how deeply payments are embedded into business operations.

In the final episode of this special Qatar Development Bank series of Couchonomics with Arjun, Arjun sits down in Doha with Saad Ishfaq, CEO of TESS Payments, to unpack how a payments company built for Qatar is scaling by solving real operational pain, not just processing transactions.

TESS Payments is a QCB-licensed payment service provider designed specifically for the Qatari market. Rather than chasing regional expansion, Saad explains why the company chose to go deep instead of wide, focusing on enterprise-grade flexibility, managed services, and bespoke integrations for large organisations across real estate, government, and critical infrastructure.

The conversation explores how payments sit at the centre of SME enablement, why micro and small businesses remain underserved across the GCC, and how fintechs and banks must collaborate rather than compete. Saad also shares how TESS evolved beyond payments into CFO tooling and digital lending, including a new sandboxed lending platform addressing Qatar’s blue-collar workforce.

From owning core infrastructure to navigating bank partnerships, regulatory sandboxes, and product adjacencies, this episode offers a grounded look at how fintech scale is built inside regulated markets.

🎙️ In this episode:
• Why TESS Payments is built for Qatar, not regional expansion
• Payments as an embedded operational layer, not a commodity
• Solving CFO and CTO pain through deep integrations
• SME and micro-SME challenges in the GCC
• Why banks and fintechs must work together to scale impact
• Building proprietary payments infrastructure in a crowded market
• Regulatory sandboxes as a growth enabler
• Expanding from payments into digital lending
• Addressing financial access for blue-collar workers
• Qatar’s role as a fintech launchpad
• Founder lessons from Pakistan to Qatar
• Grit, resilience, and building through constraint

👉 Watch the full conversation to understand how payments, regulation, and fintech innovation come together when products are built with local reality in mind.

SOCIAL LINKS

Arjun’s LinkedIn → https://www.linkedin.com/in/arjunvirsingh/

Couchonomics LinkedIn → https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/

Instagram → https://www.instagram.com/couchonomics/

Twitter → https://twitter.com/Arjun_Vir_Singh

TikTok → https://www.tiktok.com/@couchonomics

Newsletter → https://bit.ly/3WI4A6E

CHAPTERS

00:00 Qatar Development Bank series wrap-up
01:30 Introducing TESS Payments and Saad Ishfaq
04:00 Key global and regional payment trends
07:00 SME and micro-SME challenges in the GCC
10:30 Embedding payments into enterprise operations
13:30 Proprietary infrastructure and differentiation
16:00 Working with banks as acquiring partners
18:30 Payments post-FIFA and infrastructure realities
20:00 Expanding beyond payments into CFO tooling
22:00 Digital lending and sandbox experimentation
25:00 Regulation as an enabler, not a blocker
27:30 Scaling depth versus geographic expansion
29:00 Founder journey from Pakistan to Qatar
31:30 Lessons on resilience, impact, and fintech scale

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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Financial innovation in the GCC is often framed around payments, licenses, and launch timelines.
But the harder work happens long before a product goes live.

In this special Qatar Development Bank series of Couchonomics with Arjun, Arjun sits down in Doha with Mohammed Suleiman, Co-Founder and CEO of Karty, to unpack what it really takes to build a regulated fintech company from the ground up in Qatar.

Karty is not trying to out-bank banks or outscale telco wallets. Instead, it is being designed as a financial management layer that sits between spending and understanding money. A digital wallet built around insights, behaviour, and literacy rather than just transactions.

Mohammed explains why Qatar’s wallet landscape still leaves a gap for mass-affluent users, how Karty is approaching savings and financial awareness as a bundled experience, and why monetisation in fintech only works when usage comes first.

A grounded discussion on fintech realism, ecosystem maturity, and why building the right foundations matters more than rushing to market.

🎙️ In this episode:
• Why Qatar still needs independent digital wallets
• The gap between telco wallets and traditional banking
• Financial literacy as a bundled product, not a standalone feature
• How wallets monetise without pushing lending too early
• Multi-rail payments and the future of wallet infrastructure
• Round-ups, savings nudges, and behaviour-led product design
• Building fintech under evolving regulation in Qatar
• Talent, infrastructure, and the realities of building in-house
• AI in fintech, where it works and where it is overhyped
• Scaling through partnerships vs direct market expansion
• Why Karty sees itself as a layer after banking, not a replacement

👉 Watch the full conversation to understand how fintech is actually being built in Qatar, before the headlines, before the hype, and before launch.

SOCIAL LINKS

Arjun’s LinkedIn → https://www.linkedin.com/in/arjunvirsingh/

Couchonomics LinkedIn → https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/

Instagram → https://www.instagram.com/couchonomics/

Twitter → https://twitter.com/Arjun_Vir_Singh

TikTok → https://www.tiktok.com/@couchonomics

Newsletter → https://bit.ly/3WI4A6E

CHAPTERS

00:00 Qatar Development Bank series and context
02:00 Why Qatar needs another digital wallet
05:30 The gap between telco wallets and banks
09:00 Financial literacy as a product, not content
13:30 Monetisation, margins, and wallet realities
17:00 Multi-rail payments and infrastructure thinking
21:00 Regulation, licensing, and ecosystem support
25:00 Talent, tech, and building in-house in Qatar
29:00 AI in fintech and practical constraints
33:00 Expansion strategies and infrastructure plays
37:00 Launch readiness and what comes nex

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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Most startup stories focus on what companies become.
This one focuses on how they are built.

In this special Qatar Development Bank series of Couchonomics with Arjun, Arjun sits down in Doha with Hamad Al-Hajri, Founder and CEO of Snoonu, to explore how one of Qatar’s most successful tech companies was built and why its journey matters for the region.

Hamad explains why Snoonu was never meant to be just a delivery app, but a speed-led business designed for small, fragmented markets. From brand identity and culture to engineering excellence and profitability, the conversation unpacks what it really takes to scale from Qatar.

The episode also covers Snoonu’s acquisition by Jahez, the role of AI in product discovery, and how platform-led expansion could shape the next phase of growth.

An honest discussion on super apps, culture as infrastructure, and building globally relevant companies from the Middle East.

🎙️ In this episode:
• Why Snoonu was built as a speed-first business, not a delivery app
• The real meaning behind the Snoonu name and brand identity
• Why super apps work in smaller, fragmented markets
• How Snoonu achieved profitability while others struggled
• Engineering excellence and product craftsmanship as a moat
• AI-powered discovery and real-world use cases
• The Jahez acquisition and lessons from consolidation
• Platform-as-a-service versus direct market expansion
• Qatar’s evolving startup ecosystem and founder flywheel
• What it takes to build global tech companies from the GCC

👉 Watch the full conversation to understand how culture, technology, and long-term vision are shaping the next chapter of Middle Eastern innovation.

SOCIAL LINKS

Arjun’s LinkedIn → https://www.linkedin.com/in/arjunvirsingh/

Couchonomics LinkedIn → https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/

Instagram → https://www.instagram.com/couchonomics/

Twitter → https://twitter.com/Arjun_Vir_Singh

TikTok → https://www.tiktok.com/@couchonomics

Newsletter → https://bit.ly/3WI4A6E

CHAPTERS

00:00 QDB series and setting the context
02:00 The story behind Snoonu’s name
06:30 Why super apps work in the GCC
11:00 Profitability and engineering culture
16:00 AI, discovery, and product excellence
22:00 The Jahez acquisition
27:00 Platform-led expansion strategy
33:00 Qatar’s startup ecosystem evolution
39:00 Building globally from the Middle East

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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Innovation ecosystems in the GCC are often judged by funding numbers and startup announcements.
But the real work happens in how institutions, capital, and regulation move together.

In this special Qatar Development Bank series of Couchonomics with Arjun, Arjun sits down in Doha with Mohammed Al-Emadi, Executive Director of Incubation and VC Investment at QDB, to unpack how Qatar is intentionally building its startup and venture capital ecosystem.

Rather than operating as a single funding body, QDB plays a lifecycle role across incubation, acceleration, venture capital, regulation readiness, and market access. Mohammed explains how founders are supported from idea stage through to regional and global expansion, with each layer designed to reduce friction rather than add complexity.

The conversation explores how Qatar’s ecosystem players collaborate closely, why talent and pilot access matter more than market size, and how capital, regulation, and infrastructure are aligned to support long-term innovation.

🎙️ In this episode:
• How QDB supports startups from idea to international markets
• Why ecosystem coordination matters more than isolated programs
• The role of incubation, acceleration, and venture capital working together
• Preparing startups for regulation before entering licensing
• Venture studios and fund-of-funds as ecosystem building blocks
• Talent attraction, education, and retention as infrastructure
• Market pilots and testing as a growth advantage
• Fintech beyond payments, including insurance and Islamic finance
• The role of exits in validating the ecosystem
• Positioning Qatar as a regional launchpad, not just a local market

👉 Watch the full conversation to understand how Qatar is building its startup and venture ecosystem quietly, deliberately, and with long-term intent.

SOCIAL LINKS

Arjun’s LinkedIn → https://www.linkedin.com/in/arjunvirsingh/

Couchonomics LinkedIn → https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/

Instagram → https://www.instagram.com/couchonomics/

Twitter → https://twitter.com/Arjun_Vir_Singh

TikTok → https://www.tiktok.com/@couchonomics

Newsletter → https://bit.ly/3WI4A6E

CHAPTERS

00:00 Qatar Development Bank series and context
02:00 QDB’s role in the startup ecosystem
05:00 Supporting founders from idea to scale
08:30 Ecosystem coordination and institutional alignment
12:30 Talent, education, and capability building
16:30 Regulation readiness and sandbox pathways
20:30 Venture capital, fund-of-funds, and studios
24:30 Market pilots and testing environments
28:30 Fintech focus areas beyond payments
32:30 Exits, maturity, and long-term ecosystem goals

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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Venture capital is often discussed through funding totals and headline deals.
But the real signal sits underneath the numbers.

In this episode of Couchonomics with Arjun, Arjun is joined by Philip Bahoshy, Founder and CEO of MAGNiTT, to break down what the latest venture data actually says about emerging markets and where capital is really moving.

Drawing from MAGNiTT’s newest annual report, Philip unpacks the divergence across emerging markets, the growing dominance of the GCC in venture funding, and why Saudi Arabia and the UAE are increasingly shaping the region’s venture outcomes. The conversation goes beyond raw numbers to explore liquidity, exits, fund cycles, and what maturity really looks like for venture ecosystems.

The episode dives deep into FinTech’s continued dominance, the realities behind mega rounds, why exits remain the biggest unlock for founders and investors, and how AI, private credit, and digital assets are reshaping capital allocation.

🎙️ In this episode:
• Why venture funding in emerging markets is diverging
• How Saudi Arabia and the UAE came to dominate MENA venture capital
• What the data reveals about deal volume versus deal quality
• Why exits, not funding rounds, define ecosystem maturity
• The real state of FinTech, digital assets, and venture debt
• How AI is changing venture economics beyond the hype
• What founders should understand about liquidity and long-term outcomes
• Where emerging markets could see the next wave of growth

👉 Watch the full conversation to understand how venture capital in the Middle East is evolving, what the data is really saying beneath the headlines, and why the next phase of growth will be defined by exits, not valuations.

PARTNERS
Couchonomics with Arjun Season 04 is brought to you by:
Adyen → https://www.adyen.com/
Thunes → https://thunes.com/
Mastercard → https://mastercard.com/
e& → https://www.eand.com/
Digit9 → https://www.digitnine.com/
SC Ventures → https://scventures.io/

SOCIAL LINKS
Arjun’s LinkedIn → https://www.linkedin.com/in/arjunvirsingh/
Couchonomics LinkedIn → https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
Instagram → https://www.instagram.com/couchonomics/
Twitter (X) → https://twitter.com/Arjun_Vir_Singh
TikTok → https://www.tiktok.com/@couchonomics
Newsletter → https://bit.ly/3WI4A6E

CHAPTERS
00:00 Venture capital beyond the headlines
02:00 What MAGNiTT tracks and why the data matters
05:30 The divergence across emerging markets
09:30 Why the GCC now dominates MENA venture funding
14:30 Saudi Arabia vs UAE. Scale, capital, and strategy
20:30 Mega rounds, outliers, and what they really signal
26:30 The exit problem and why liquidity matters
33:00 FinTech’s continued dominance and where it is evolving
39:00 Digital assets, regulation, and investor risk appetite
44:30 Venture debt and the rise of private credit
49:30 AI investment trends and what is real versus hype
55:00 What founders should prepare for in 2026
1:00:30 The future of emerging venture ecosystems

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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Startup success is often explained through geography, capital, or timing.

But the real story is about people, resilience, and long-term commitment.

In this episode of Couchonomics with Arjun, Arjun is joined by Allen Taylor, Managing Partner at Endeavor Catalyst, to unpack how world-class companies are being built far beyond Silicon Valley.

Allen shares how Endeavor identifies and backs the top 1% of founders across emerging and underserved markets, why venture outcomes are shaped over decades not fund cycles, and how resilience and ambition matter more than location. From Latin America and Eastern Europe to the Middle East and frontier markets like Nigeria and Pakistan, the conversation explores what it really takes to build billion-dollar companies from anywhere.

The episode also dives into how venture capital is evolving, why the traditional 10-year fund model no longer reflects reality, how AI is changing both startups and investing, and what creates durable entrepreneurial ecosystems over time.

🎙️ In this episode:

• Why billion-dollar companies can now be built from anywhere

• How Endeavor identifies and supports the top 1% of founders globally

• The power of role models, second-generation founders, and ecosystem flywheels

• Why resilience matters more than ideas in long-term company building

• How frontier markets create asymmetric venture returns

• The limits of the traditional VC model and what needs to change

• Where AI truly adds value in startups and venture investing

• Why ambition should move from regional champions to global companies

👉 Watch the full conversation to understand how global entrepreneurship is shifting, why emerging markets matter, and what the next decade of venture creation could look like.

CouchonomicsWithArjun #Entrepreneurship #VentureCapital #Endeavor #GlobalStartups #EmergingMarkets #FounderMindset #AI #FutureOfVenture #Leadership

PARTNERS

Couchonomics with Arjun Season 04 is brought to you by:

Adyen → https://www.adyen.com/

Thunes → https://thunes.com/

Mastercard → https://mastercard.com/

e& → https://www.eand.com/

Digit9 → https://www.digitnine.com/

SC Ventures → https://scventures.io/

SOCIAL LINKS

Arjun’s LinkedIn → https://www.linkedin.com/in/arjunvirsingh/

Couchonomics LinkedIn → https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/

Instagram → https://www.instagram.com/couchonomics/

Twitter (X) → https://twitter.com/Arjun_Vir_Singh

TikTok → https://www.tiktok.com/@couchonomics

Newsletter → https://bit.ly/3WI4A6E

CHAPTERS

00:00 Building billion-dollar companies from anywhere
02:10 What Endeavor really does and why it exists

05:30 How Endeavor Catalyst invests differently
09:00 The globalisation of startups beyond Silicon Valley
13:30 Latin America’s rise and why it matters
18:00 Europe’s overlooked innovation markets
22:40 The Endeavor network and founder flywheels
27:30 Frontier markets, geopolitics, and long-term bets
33:00 How co-investment and trust actually work
38:30 Is the VC model outdated
43:20 Fund life cycles, liquidity, and LP–GP dynamics
48:30 AI’s real impact on startups and investing
53:00 What the Middle East needs to do next
58:00 Role models, exits, and ecosystem maturity
1:03:30 Resilience, ambition, and what defines great founders

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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Banking innovation usually gets reduced to apps and features.

But the real changes are happening underneath.

In this episode of Couchonomics with Arjun, Richard Davies, CEO of Allica Bank, joins the couch to talk about how challenger banks are actually rebuilding SME banking in the UK.

Richard breaks down why established SMEs need a very different banking model, why go-to-market is harder than building the technology, and how value, trust, and low cost structures become the real advantage over time.

The conversation moves through how digital banking has matured in the UK, what open banking really delivers today, how AI is being used inside regulated banks, and where stablecoins and tokenised money actually make sense and where they do not.

An honest discussion on SME credit gaps, the limits of the super-app idea, the role of humans in an AI-led bank, and what the next decade of challenger banking could realistically look like.

🎙️ In this episode:

• Why challenger banks are replacing major banks for SMEs, not just competing with them
• The hidden problem of fragmentation in SME finance
• How Allica is building an all-in-one bank for established businesses
• What open banking gets right and where it still falls short
• AI inside banks: productivity, agents, and the limits of automation
• Why SMEs are not ready for complexity in digital assets
• The real use cases for stablecoins and cross-border payments
• What creates a defensible moat in modern digital banking
• How regulation helps and hinders SME lending in the UK
• What the next 3 to 5 years of SME banking could look like

👉 Watch the full conversation to understand how challenger banks are scaling trust, profitability, and relevance in a post-hype fintech world.

CouchonomicsWithArjun #SMEBanking #ChallengerBanks #Fintech #UKFintech #DigitalBanking #AIinBanking #FutureOfBanking #Leadership #FinancialServices

PARTNERS

Couchonomics with Arjun Season 04 is brought to you by:

Adyen → https://www.adyen.com/

Thunes → https://thunes.com/

Mastercard → https://mastercard.com/

e& → https://www.eand.com/

Digit9 → https://www.digitnine.com/

SC Ventures → https://scventures.io/

SOCIAL LINKS

Arjun’s LinkedIn → https://www.linkedin.com/in/arjunvirsingh/

Couchonomics LinkedIn → https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/

Instagram → https://www.instagram.com/couchonomics/

Twitter → https://twitter.com/Arjun_Vir_Singh

TikTok → https://www.tiktok.com/@couchonomics

Newsletter → https://bit.ly/3WI4A6E

CHAPTERS

00:00 Why SME banking is being rebuilt
02:40 The maturity of UK challenger banks
06:30 The real SME credit gap problem
10:20 Fragmentation vs all-in-one banking
15:00 Go-to-market challenges in SME banking
19:30 Open banking realities for SMEs
24:30 AI inside regulated banks
30:10 Human banking in an AI-first world
36:00 Stablecoins, tokenisation, and real use cases
42:00 What creates a defensible banking moat
47:30 Regulation, growth, and the road to 2030

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
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• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
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Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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Innovation in banking is often talked about, but rarely understood.

In this episode of Couchonomics with Arjun, Giovanni Everduin, Chief Strategy and Innovation Officer and Head of Ventures at Commercial Bank International, joins the couch to unpack what innovation really looks like inside a regulated bank.

From legacy systems and institutional mindsets to AI, digital assets, and on-chain finance, this conversation goes beyond buzzwords to explore where real value is being created and where the industry may be getting ahead of itself.

Giovanni shares why regulation can act as a catalyst for innovation, how banks and fintechs are moving from competition to partnership, and why the future of finance will be hybrid rather than fully on-chain or off-chain.

A candid discussion on tokenization, stablecoins, privacy, and why understanding the problem always matters more than chasing the latest technology.

🎙️ In this episode:
• What innovation actually means inside a regulated bank
• Why legacy systems, data, and mindsets slow transformation
• How fintechs shifted from challengers to infrastructure partners
• The real opportunities and misconceptions around tokenization and stablecoins
• Why privacy will be critical for institutions moving finance on-chain
• How banks can experiment safely without breaking trust
• Why partnership-driven innovation is becoming the dominant model
• What the next 3 to 5 years of banking could realistically look like

👉 Watch the full conversation to understand how banks are navigating innovation without losing trust, stability, or relevance.

CouchonomicsWithArjun #BankingInnovation #Fintech #DigitalAssets #AIinBanking #Tokenization #FutureOfBanking #UAE #Leadership #FinancialServices

PARTNERS
Couchonomics with Arjun Season 04 is brought to you by:
Adyen → https://www.adyen.com/
Thunes → https://thunes.com/
Mastercard → https://mastercard.com/
e& → https://www.eand.com/
Digit9 → https://www.digitnine.com/
SC Ventures → https://scventures.io/
Hala → https://hala.com/

SOCIAL LINKS
Arjun’s LinkedIn → https://www.linkedin.com/in/arjunvirsingh/
Couchonomics LinkedIn → https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
Instagram → https://www.instagram.com/couchonomics/
Twitter → https://twitter.com/Arjun_Vir_Singh
TikTok → https://www.tiktok.com/@couchonomics
Newsletter → https://bit.ly/3WI4A6E

CHAPTERS
00:00 What innovation really means in banking
02:30 Why regulation shapes how banks operate
05:30 Legacy systems, data, and mindset challenges
09:00 Fintechs shifting from disruption to partnership
13:30 AI, hype vs real impact inside banks
18:00 Tokenization and stablecoins explained clearly
24:00 Why privacy matters for institutions on-chain
30:00 CBIX and experimenting safely outside the bank
36:00 The hybrid future of finance
41:00 What the next 3 to 5 years could look like

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
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Banking in the UAE is entering a phase where digital expectations, AI, and trust are forcing banks to rethink everything from processes to culture.

Arjun sits down with Dr. Bernd van Linder, CEO of Commercial Bank of Dubai, to unpack how customer experience, technology and trust are reshaping the future of banking.

🎙️ In this episode:

Why customer experience has become the only real competitive advantage in banking

How digitization moved from a COVID era surprise to a baseline expectation

Why the UAE banking sector keeps evolving faster than global peers

How banks can rewire legacy systems without breaking what works

Why fintechs are now partners, not threats, and how the best banks use them

The real impact of AI on productivity, governance and the workforce

How trust, safety and regulation shape decision making in a digital-first world

What the next five years of banking will look like in the region

👉 Watch now to understand how customer experience, fintech partnerships, AI and trust will define the next era of banking.

CouchonomicsWithArjun #Banking #DigitalTransformation #AI #Fintech #UAE #CustomerExperience #FutureOfBanking #Leadership #Innovation

PARTNERS

Couchonomics with Arjun Season 04 is brought to you by:

Adyen → https://www.adyen.com/

Thunes → https://thunes.com/

Mastercard → https://mastercard.com/

E& → https://www.eand.com/

Digit9 → https://www.digitnine.com/

SC Ventures → https://scventures.io/

Hala → https://hala.com/

SOCIAL LINKS

Arjun’s LinkedIn → https://www.linkedin.com/in/arjunvirsingh/

Couchonomics LinkedIn → https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/

Instagram → https://www.instagram.com/couchonomics/

Twitter → https://twitter.com/Arjun_Vir_Singh

TikTok → https://www.tiktok.com/@couchonomics

Newsletter → https://bit.ly/3WI4A6E

Chapters

00:00 The new realities of customer expectations

02:00 Why UAE banks are evolving faster than global peers

04:00 Customer experience as the only real competitive advantage

07:00 Rewiring people and processes for a digital-first world

10:00 How fintech partnerships are reshaping bank capabilities

14:00 The future role of branches in a digital-first banking model

18:00 Moving from legacy tech to open, integrated systems

22:00 The real impact of AI on productivity, risk and governance

30:00 Trust, safety and how customers choose banks today

36:00 What the next 3 to 5 years of banking will look like

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
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Core banking is no longer a back-office topic.

Cloud, payments, AI and digital assets are forcing banks to rethink the foundations of how money moves.

In this episode, Arjun sits down with Vishal Dalal, Global CEO of Pismo, to unpack the evolution of modern core banking, the rise of cloud-native architectures, and why migration, resilience and payments complexity are the real bottlenecks shaping the future.

From a startup getting thrown out of buildings in Brazil to powering global banks across 70 plus countries, Vishal breaks down the hard truths of building critical infrastructure in a world that expects zero downtime, instant scalability and absolute safety.

In this episode:

• How Pismo went from a 5,000-card pilot to powering tens of millions of accounts

• Why resilience, recovery and disaster readiness are now core banking table stakes

• The real challenges of migrating 200 million accounts from legacy systems

• Why every country building its own payment rails increases global complexity

• How stablecoins, tokenized deposits and CBDCs force a rethink of the entire backend

• Why digital assets and real-time settlement are pulling core banking into a new era

• How AI is reshaping migrations, operations, debugging and developer speed

• Why being cloud-only opens some markets and immediately disqualifies others

• How leaders should balance velocity with safety in a geopolitical environment full of risk

👉 Watch now to understand the next chapter of core banking.

CouchonomicsWithArjun #Banking #CoreBanking #Fintech #Payments #Cloud #AI #DigitalAssets #Stablecoins #CBDC #Migration #FutureOfFinance #Innovation

Partners

Couchonomics with Arjun Season 04 is brought to you by:

Adyen → https://www.adyen.com/

Thunes → https://thunes.com/

Mastercard → https://mastercard.com/

E& → https://www.eand.com/

Digit9 → https://www.digitnine.com/

SC Ventures → https://scventures.io/

Hala → https://hala.com/

Follow us on social media

Arjun’s LinkedIn → https://www.linkedin.com/in/arjunvirsingh/

Couchonomics LinkedIn → https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/

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Twitter → https://twitter.com/Arjun_Vir_Singh

TikTok → https://www.tiktok.com/@couchonomics

Newsletter → https://bit.ly/3WI4A6E

Chapters

00:00 The Pismo origin story and early Brazil journey

02:00 Winning trust through a 5,000-card pilot

04:00 Landing Itaú and scaling to millions of accounts

06:00 Citi’s 76-country ledger and going global

08:00 What modern core banking must deliver today

12:00 The realities of migrating from legacy mainframes

16:00 Payments rails, localization and rising global complexity

20:00 How digital assets, stablecoins and CBDCs reshape the backend

26:00 AI’s impact on migrations, operations and developer speed

34:00 Why safety, resilience and governance matter more than ever

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
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Fintech is entering a new phase where technology, regulation and global markets are reshaping value at a deeper level.

Arjun sits down with Sandeep Patil, Partner and Head of Asia at QED Investors, to break down how fintech is evolving beneath the surface.

🎙️ In this episode:
-Why the global fintech reset isn’t over
- How stablecoins are becoming the quiet rails of global trade
- How AI will reshape underwriting and distribution
- Why regulatory fluency is now essential for founders
- Where real value creation will happen over the next 3–5 years

👉 Watch now to understand how AI, stablecoins, global flows and regulation are writing the next chapter of fintech.

Couchonomics with Arjun Season 04 is brought to you by our partners:
Adyen → https://www.adyen.com/
Thunes → https://thunes.com/
Mastercard → https://mastercard.com/
E& → https://www.eand.com/
Digit9 → https://www.digitnine.com/
SC Ventures → https://scventures.io/
Hala → https://hala.com/

Chapters
00:00 Episode Teaser
01:00 How global volatility is shaping fintech
03:10 Are we through the fintech reset or not
05:00 Where real value will emerge in the next 3 to 5 years
06:30 Stablecoins and the rewiring of global trade
09:00 How AI is reshaping underwriting, distribution and trust
12:20 What categories are losing momentum
17:00 AI washing vs real AI-led companies
20:10 Why founders must understand regulation deeply
31:00 The Middle East and Saudi. Rising themes and opportunities

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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What if the future of money isn’t about new currencies, but about rebuilding how value moves?

Arjun sits down with Keith Grose, Senior Country Director at Coinbase UK, to explore how crypto is moving from hype to real infrastructure.
They talk about the UK’s second-mover advantage in regulation, the role of stablecoins in global trade, and how Coinbase is building the bridge between traditional finance and the on-chain world.

🎙️ In this episode:
→ Why Coinbase’s mission is to increase economic freedom for a billion people
→ How crypto complements, not replaces, real-time payment systems
→ Why stablecoins are becoming the settlement layer for global trade
→ What the UK’s second-mover advantage means for innovation
→ How regulation can balance control with growth
→ Why private stablecoins may move faster than CBDCs
→ What it takes to make crypto secure, compliant, and trusted
→ How on-chain transparency is reshaping user protection

👉 Watch now to understand how crypto, regulation, and finance are converging into the next chapter of global money movement.

Couchonomics with Arjun Season 04 is brought to you by our partners:
Adyen → https://www.adyen.com/
Thunes → https://thunes.com/
Mastercard → https://mastercard.com/
E& → https://www.eand.com/
Digit9 → https://www.digitnine.com/
SC Ventures → https://scventures.io/
Hala → https://hala.com/

Chapters
00:00 Episode Teaser
01:02 Introducing Keith Gross and Coinbase
02:07 Coinbase's Mission and Crypto's Promise
03:55 The Role of Regulation in Crypto
04:14 Global Payment Systems and Crypto's Potential
11:11 The Promise and Growth of Stablecoins
13:48 Institutional Adoption and Tokenized Deposits
18:50 The Future of Crypto Regulation in the UK
25:18 Understanding Wholesale CBDC and Stable Coins
25:39 The Role of Stablecoins in Government Bonds
26:27 Yield and Regulatory Challenges of Stablecoins
27:58 Coinbase's Offerings for Retail and Institutional Customers
29:49 Defi Lending and Borrowing Innovations
34:10 Security and Custody in Crypto Trading
41:06 Regulatory Collaboration and Industry Standards
46:53 Balancing Growth and Risk in Crypto
48:57 Future Metrics and Tokenization Trends
50:13 Conclusion and Future Discussions

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
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Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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What if the future of money isn’t about creating new currencies, but redefining what money really is?

In this episode, Arjun sits down with Tony McLaughlin, CEO and Founder of Ubyx Inc, to talk about why he believes the bank account is dead and how the next version of money could live on public blockchains.

They break down what stablecoins, tokenized deposits, and CBDCs really mean, and how they could quietly replace the systems we’ve used for decades.

🎙️ In this episode:
→ Why blockchain is simply a “who owns what” machine
→ How stablecoins could become the new form of fiat
→ Why tokenization could replace ACH, SWIFT, and cards
→ How Ubyx is building a clearing system for the age of digital money
→ How stablecoins could transform global trade and cross-border payments
→ The balance between privacy, regulation, and innovation

👉 Watch now to understand how the next phase of finance will be built on tokens, trust, and interoperability.

Couchonomics with Arjun Season 04 is brought to you by our partners:
Adyen → https://www.adyen.com/
Thunes → https://thunes.com/
Mastercard → https://mastercard.com/
E& → https://www.eand.com/
Digit9 → https://www.digitnine.com/
SC Ventures → https://scventures.io/
Hala → https://hala.com/

Chapters
00:00 Episode Teaser
02:45 What Fintech Really Built: Layers on Legacy Rails
05:30 Blockchain as the “Who Owns What” Machine
09:15 Regulation, Policy, and the Shift to Public Blockchains
11:20 Stablecoins and the Irony of Perfecting Fiat Currency
15:00 The Death of the Bank Account and Rise of Tokens
17:10 CBDCs, Tokenized Deposits, and the Ancient IOU
23:00 How Ubyx Fits into the Global Clearing Puzzle
26:20 Why Banks Will Love Stablecoins for FX Revenue
32:00 The $300B E-commerce Stablecoin Opportunity
37:00 CBDCs vs. Stablecoins: Parallel Systems, Not Rivals
39:10 How Europe Should Respond to USD Stablecoins
41:00 Turning Regulation Fear into Opportunity
45:00 Privacy, Surveillance, and Life on the Ledger
47:40 Ubyx’s Journey from White Paper to Product
50:00 Building the Mastercard of Stablecoins
53:00 Lessons from an Older Founder and What Comes Next

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
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Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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What if the next decade of finance isn’t about disruption, but inclusion?

In this episode, Arjun sits down with Sopnendu Mohanty, Group CEO of GFTN and Advisor to the Monetary Authority of Singapore, to explore how technology, policy, and people are shaping the future of global finance.

🎙️ In this episode:
→ The three pillars that defined the first wave of fintech: APIs, DPIs, and cloud
→ Why inclusion remains the biggest unfinished story in finance
→ How AI and tokenization could rebuild finance from the inside out
→ Why collaboration, not disruption, will shape the next decade
→ How the Middle East is emerging as a major hub for innovation and investment
→ The growing role of regulators and public infrastructure in driving progress
→ How the Global South can leapfrog through digital infrastructure

👉 Watch now and see how the next chapter of finance is being built.

Couchonomics with Arjun Season 04 is brought to you by our partners:
Adyen → https://www.adyen.com/
Thunes → https://thunes.com/
Mastercard → https://mastercard.com/
E& → https://www.eand.com/
Digit9 → https://www.digitnine.com/
SC Ventures → https://scventures.io/
Hala → https://hala.com/

Chapters
00:00 Episode Highlights
02:45 The Last Decade of Fintech: APIs, DPIs, and Cloud
05:30 How Banks and Regulators Learned to Collaborate
09:15 Why Inclusion Remains the Biggest Unsolved Problem
13:40 The Next Wave: AI, Tokenization, and Quantum Security
17:20 Stablecoins, Networks, and the Future of Money Movement
22:05 Consumer Awareness and the Fight Against Scams
26:10 Building the Global South’s Digital Infrastructure
30:25 The Middle East and the New Role of the GCC
35:10 GFTN’s Vision and the Future of Responsible Finance

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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When money moves faster than ever, who really controls it?

In this episode, Arjun sits down with Arik Shtilman, Founder and CEO of Rapyd, to explore how AI and stablecoins are rewriting the rules of global payments.
From powering transactions across 100+ countries to building an AI-first infrastructure, Rapyd is proving that the next financial revolution is already underway.

🎙️ In this episode:
- Why payments companies that aren’t AI-first may not survive the next three years
- How stablecoins are reshaping liquidity, cross-border trade, and working capital
- Why banks and SWIFT are in a race to stay relevant
- How Rapyd embedded stablecoins into every layer of its platform
- The real battle between AI-powered fraud and AI-driven fraud prevention
- What the rise of CBDCs means for the future of money movement

This isn’t a discussion about what’s coming.
It’s a look at how the foundations of finance are being rebuilt in real time.

👉 Watch now and discover how Rapyd is shaping the future of payments.

CouchonomicsWithArjun #Fintech #AI #Stablecoins #CrossBorderPayments #DigitalFinance #FutureOfMoney #financialinnovation

Couchonomics with Arjun Season 04 is brought to you by our partners:
Adyen https://www.adyen.com/
Thunes https://thunes.com/
Mastercard https://mastercard.com/
E& https://www.eand.com/
Digit9 https://www.digitnine.com/
SC Ventures https://scventures.io/
Hala https://hala.com/

Chapters:
00:00 Episode Highlights
03:00 AI and Stablecoins: The Twin Shifts
05:00 How Regulation and Politics Changed Crypto
08:00 Cross-Border Trade in Stablecoins
12:00 Swift’s Future and Bank Partnerships
16:00 Rapyd’s Stablecoin Strategy and Revenue Impact
18:00 Compliance, Regulation, and Market Readiness
25:00 CBDCs and the New Monetary Order
30:00 Inside Rapyd’s AI Engine
39:00 The Rapyd Story and Its Evolution

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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What if AI ran your bank? 🤯

In this episode, Arjun sits down with Quang Nguyen, CEO of Cake Digital Bank, Vietnam’s AI-first bank that’s redefining what digital finance looks like.

With only 300 employees serving 6 million customers, Cake has become one of Southeast Asia’s most efficient and innovative financial institutions — proving that the future of banking is lean, intelligent, and fully automated.

🎙️ In this episode:
- How Cake uses AI to power 70% of its operations
- Building trust through technology in a young, digital-first market
- Why Vietnam is leading the next fintech wave
- How Cake achieved profitability in just 3 years
- What AI-first banking really means beyond the buzz

This isn’t a story about the future of banking - it’s a look at what’s already here.

👉 Watch now and see how AI is transforming finance from the inside out.

CouchonomicsWithArjun #Fintech #DigitalBanking #AI #Vietnam #FinancialInnovation #FutureOfFinance

Couchonomics with Arjun Season 04 is brought to you by our partners:
Adyen https://www.adyen.com/
Thunes https://thunes.com/
Mastercard https://mastercard.com/
E& https://www.eand.com/
Digit9 https://www.digitnine.com/
SC Ventures https://scventures.io/
Hala https://hala.com/

Chapters:
00:00 Episode Highlights
02:22 Vietnam's Digital Transformation
06:19 Building Trust in Digital Banking
09:06 The Playful Brand: Cake
11:46 Regulatory Landscape in Vietnam
19:20 AI Integration in Banking
23:26 Staffing and AI Integration
24:21 Embracing AI in Operations
25:22 Approach to Small Loans
28:21 Deposit Strategies and Competitive Pricing
29:42 Building Ecosystems and Partnerships
33:16 Challenges and Opportunities in Embedded Banking
36:34 Regulatory Compliance and AI
39:03 The Story Behind the Name 'Cake'
41:10 Future Plans and Regional Expansion
43:18 Conclusion and Final Thoughts

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

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Over $80 trillion in global wealth is moving to a younger, more digital generation. But who will manage it—and how will AI, trust, and technology reshape investing?

In this episode of Couchonomics with Arjun, Caesar Sengupta, Co-Founder and CEO of Arta Finance (backed by Eric Schmidt, Peak XV, and Ribbit Capital), shares how his company is democratizing wealth management—bringing institutional-grade investing to millions worldwide.

Discover how AI is redefining advice, why trust matters more than ever, and how digital platforms like Arta x Wio are changing the game for banks, advisors, and investors alike.

🎧 Listen now on YouTube, Spotify, or Apple Podcasts.

Couchonomics with Arjun Season 04 is brought to you by our partners:
Adyen https://www.adyen.com/
Thunes https://thunes.com/
Mastercard https://mastercard.com/
E& https://www.eand.com/
Digit9 https://www.digitnine.com/
SC Ventures https://scventures.io/
Hala https://hala.com/

Chapters:
00:00 Episode Highlights
01:10 Introducing Caesar Sengupta
02:00 The Great Wealth Transfer
03:07 Secular Forces in Wealth Creation
05:38 The Myth of Democratization
10:13 Retail Trading: Speculation or Wealth Building?
13:33 Building Trust in Wealth Management
17:25 The Role of Technology in Wealth Management
24:42 Family Offices and Digital Capabilities
27:57 Regulatory Challenges and Partner Expertise
28:13 Designing and Offering Structured Products
30:13 AI's Role in Fintech and Wealth Management
33:41 AI's Impact on Wealth Strategies
35:46 AI in Customer Experience and Wealth Planning
42:26 Concerns and Future of AI in Wealth Management
45:39 Business Strategy and Future Directions
49:29 Conclusion and Final Thoughts

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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Episode 150 of Couchonomics with Arjun is here — and it’s a milestone.

For the very first time, we go to Latin America. My guest: Eduardo Chedid, CEO of PicPay — Brazil’s biggest super app and one of the fastest-scaling fintechs in the world.

With 60M+ customers, $1B+ in revenues, profits up 7× YoY, and 4,500 employees, PicPay is rewriting the rules of digital banking in one of the most competitive markets on earth.

We cover:
- Brazil’s fintech revolution and the role of regulation
- How PicPay scaled from wallet → super app → full-service bank
- Why AI and open finance are core to growth
- The future of tokenized money and cross-border payments

This isn’t just a Brazil story — it’s a blueprint for the future of finance.

Couchonomics with Arjun Season 04 is brought to you by our partners:
Adyen https://www.adyen.com/
Thunes https://thunes.com/
Mastercard https://mastercard.com/
E& https://www.eand.com/
Digit9 https://www.digitnine.com/
SC Ventures https://scventures.io/
Hala https://hala.com/

Chapters:
00:00 Episode Highlights
01:11 Welcoming Eduardo Chedd
03:29 Brazilian FinTech Landscape
11:22 PicPay's Growth and Strategy
23:52 AI Integration and Innovations
28:25 Organizational Structure and Product Velocity
29:23 Ownership and Cross-Functional Integration
31:13 Driving Governance and Agile Practices
32:36 The Role of Data in Financial Services
36:55 The Evolution and Importance of Digital Wallets
38:46 Tokenized Money and Future Trends
41:59 Competition and Market Focus
45:21 Global Insights and Future Plans
50:44 Conclusion and Final Thoughts

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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Turning Savings into Wealth — Inside Chip’s Fintech Playbook

UK fintech is entering a new chapter. While funding slows, savers poured £103bn into ISAs — proving that trust, not downloads, is the real currency.

In this episode, Arjun speaks with Alex Latham, Co-Founder & CMO of Chip, one of Europe’s fastest-growing fintechs, on:
- The future of UK fintech beyond banking apps
- How Chip grew from a crowdfunded startup to a wealth platform managing billions
- Why trust, community, and AI will shape wealth management

📺 Watch now and see how Chip is redefining the future of savings and investing.

Couchonomics with Arjun Season 04 is brought to you by our partners:
Adyen https://www.adyen.com/
Thunes https://thunes.com/
Mastercard https://mastercard.com/
E& https://www.eand.com/
Digit9 https://www.digitnine.com/
SC Ventures https://scventures.io/
Hala https://hala.com/

Find us on our social media platforms:
Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
Couchonomics LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
Instagram https://www.instagram.com/couchonomics/
Twitter https://twitter.com/Arjun_Vir_Singh?s=20
TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

Chapters:
00:00 Episode Highlights
00:56 Introduction
02:09 State of UK FinTech
02:34 The Rise of British FinTech
04:05 Challenges and Opportunities in FinTech
09:00 Chip: A Digital Wealth Manager
18:12 Building Trust and Authenticity
26:35 Consumer Behavior Trends
29:38 Stabilizing Interest Rates and Long-Term Financial Planning
30:19 Exploring Alternative Investments: Crypto and ETFs
31:55 The British Saving Culture and Investment Challenges
34:01 The Role of Education in Financial Literacy
38:05 Marketing Strategies in FinTech
43:20 Building and Engaging a Community
47:43 Future Plans and Financial Advice Innovations
56:17 Conclusion and Final Thoughts

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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Most fintechs chased hype. Abhi chased cash flow.

In this episode of Couchonomics with Arjun, we sit down with Omair Ansari, Co-Founder & CEO of Abhi, one of Pakistan’s fastest-growing fintechs.

Abhi began with earned wage access, giving workers instant liquidity. Today, it has scaled into payroll financing, SME lending, and invoice factoring — and even acquired a licensed microfinance bank in Pakistan to materially lower its cost of funds.

We explore:
- Why profitability and cost of capital decide who survives fintech’s winter
- How Abhi scaled from earned wage access into a full-stack working capital platform
- Pakistan as the anchor, GCC as the growth frontier
- The real potential (and limits) of tokenization & private credit
- Why licences and compliance, not glossy apps, are the true moat in fintech
- How embedded finance at payroll and receivables lowers costs and expands inclusion

This is more than a growth story — it’s a blueprint for building durable fintech in emerging markets.

🎧 Full episode now streaming on YouTube, Spotify & Apple Podcasts.

Couchonomics with Arjun Season 04 is brought to you by our partners:
Adyen https://www.adyen.com/
Thunes https://thunes.com/
Mastercard https://mastercard.com/
E& https://www.eand.com/
Digit9 https://www.digitnine.com/
SC Ventures https://scventures.io/
Hala https://hala.com/

chapters:
00:00 Episode Highlights
00:59 Welcome to Couchonomics
02:19 FinTech Evolution and Market Dynamics
06:28 Business Model Adaptations
12:21 Manual Operations and Testing
14:34 Credit Models and Market Realities
17:24 Funding and Capital Challenges
23:54 Regulatory Landscape and Innovations
27:38 Navigating Regulatory Challenges
29:14 The Debate on Fintech Regulation
32:07 Embedded Finance: Progress and Challenges
35:24 The Future of Banking and Fintech
38:44 Crypto and Digital Assets in Emerging Markets
43:27 Expanding into Pakistan: Opportunities and Risks
46:52 Strategic Focus and Future Vision
51:41 Conclusion and Final Thoughts

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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Wealth management is no longer just champagne perks and 2% fees. The new generation of investors demands digital, transparent, and affordable solutions.

In this episode of Couchonomics with Arjun, we’re joined by Dhruv Arora, Founder & CEO of Syfe, a digital wealth management platform managing over US$10B.
We cover:
- Why trust is the biggest competition in digital wealth
- The difference between robo-advisors & true digital wealth platforms
- How Syfe is scaling across Singapore, Hong Kong & Australia
- Why inclusivity without affordability doesn’t work
- The merging of saving + investing into one continuum

A sharp look into the future of wealth management, fintech, and investing.
🎧 Full episode now on YouTube, Spotify & Apple Podcasts.

Couchonomics with Arjun Season 04 is brought to you by our partners:
Adyen https://www.adyen.com/
Thunes https://thunes.com/
Mastercard https://mastercard.com/
E& https://www.eand.com/
Digit9 https://www.digitnine.com/
SC Ventures https://scventures.io/
Hala https://hala.com/

chapters:
00:00 Episode Highlights
00:55 Introduction
01:38 Defining Digital Wealth Management
02:28 The Future of Wealth Management
07:07 Challenges for Traditional Banks
16:07 Trust and Transparency in Wealth Management
19:56 Expansion and Growth Strategies
24:42 Localization and Personalization in Wealth
26:42 Exploring Syfe's Offerings
27:28 Model Portfolios and Cash Management
28:15 Holistic Wealth Management
29:33 Deep Integration and Proprietary Technology
31:49 Rule-Based Investing vs. Robo-Advisors
35:08 Democratizing Access to Wealth Management
41:06 Future of Wealth Management and Crypto Integration
48:47 Syfe's Expansion Plans and Final Thoughts

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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💡 Africa’s fintech story is no longer a local experiment — it’s a global test case for the future of inclusion, innovation, and capital flows.

In this episode of Couchonomics with Arjun, we’re joined by Yustus Aribariho, Co-Founder of Furaha Financial (part of SC Ventures by Standard Chartered). Yustus is now on a mission to unlock education financing and opportunity across Sub-Saharan Africa.

We unpack:
💸 Why capital inflows into African fintech lag behind the opportunity
📱 How mobile money became the blueprint for financial inclusion worldwide
🛠 The frictions of regulation, repatriation, and cross-border flows
👥 Why human capital and local talent could be Africa’s ultimate advantage

Furaha isn’t just another fintech — it’s building infrastructure that bridges capital and impact in one of the world’s fastest-growing regions.

🎧 Watch the full episode now on YouTube, Spotify & Apple Podcasts.

Couchonomics with Arjun Season 04 is brought to you by our partners:
Adyen https://www.adyen.com/
Thunes https://thunes.com/
Mastercard https://mastercard.com/
E& https://www.eand.com/
Digit9 https://www.digitnine.com/
SC Ventures https://scventures.io/
Hala https://hala.com/

Chapters:
00:00 Episode Highlights
02:40 State of FinTech in Sub-Saharan Africa
08:11 Challenges and Opportunities in African FinTech
10:48 The Role of Mobile Money and Digital Banks
15:00 Investment Dynamics and Regulatory Challenges
17:57 Affordability and Financial Inclusion
21:46 Alternative Financial Services in Africa
27:46 High Cost of Borrowing and Risk-Based Pricing
28:36 Purpose-Driven Financing
33:37 Addressing the Education Financing Gap
35:43 Building an Ecosystem for Education Loans
37:42 Why Uganda?
45:29 Future Expansion and Challenges
48:04 Business Model and Partnerships
52:25 Vision for the Future
55:26 Conclusion and Final Thoughts

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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Stablecoins are no longer on the sidelines — they’re stepping into the core of global finance.

In this episode of Couchonomics with Arjun, we're joined by Dante Disparte, Chief Strategy Officer & Head of Global Policy at Circle, for his second appearance on the show. Speaking from Washington, DC, Dante brings a timely perspective on how digital finance is evolving — and why it matters now more than ever.

We unpack:
- Stablecoins as real financial infrastructure for payments, remittances, and cross-border flows
- How smart regulation acts as a catalyst for trust, adoption, and institutional capital
- CBDCs and tokenisation — separating hype from substance, and where they’ll truly reshape markets and inclusion
- Why MENA is emerging as a global hub for digital assets, with the UAE leading from the front

If you want to understand how money itself is being rebuilt — not just the apps we use, but the foundations beneath the system — this conversation with Dante is essential listening.

🎧 Watch and listen now on YouTube, Spotify & Apple Podcasts.

Couchonomics with Arjun Season 04 is brought to you by our partners:
Adyen https://www.adyen.com/
Thunes https://thunes.com/
Mastercard https://mastercard.com/
E& https://www.eand.com/
Digit9 https://www.digitnine.com/
SC Ventures https://scventures.io/
Hala https://hala.com/

Chapters:
00:00 Introduction to Digital Assets and Policy
00:54 Welcoming the Guest: Dante Disparte
02:35 Stablecoins: Current State and Future Prospects
03:05 Regulatory Changes and Their Impact
06:21 Exploring Use Cases for Digital Assets
16:29 The Role of Banks and Stablecoins
24:46 Central Bank Digital Currencies (CBDCs)
28:15 The Genius Act: Opportunities and Risks
29:59 The Resilience of Digital Assets
30:37 The Genius Act: A Legislative Proposal
31:20 Stablecoins and Market Stability
31:55 The Role of Stablecoins in the Banking System
32:54 Guardrails and Systemic Risk
33:45 Tokenized Treasuries vs. Stablecoins
35:48 Concerns About Tether
38:05 The Genius Act and Global Regulatory Harmonization
40:41 Corporate Stablecoins and Market Adoption
49:00 Circle's IPO and Long-Term Vision
53:03 Circle Payment Network (CPN) and Financial Inclusion

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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Fraud just had its AI upgrade.
It’s faster than your payments and industrialised at a global scale.

Welcome to the Scamdemic — a global wave of scams and financial crime growing faster than almost any asset class.
We’re joined by Simon Taylor, Head of Strategy at Sardine and Co-Founder of 11:FS. Together, we unpack how fraud has evolved, why it’s so hard to stop, and what financial institutions, fintechs, and regulators must do now.

Inside the episode:
- Why faster payments = faster fraud
- Deepfakes, fraud-as-a-service, and industrialised scam call centres
- Why liability shifts and reimbursements can fuel crime instead of stopping it
- The missed open banking opportunity: building a global “fraud utility”
- Stablecoins, AI agents, and the next wave of attack surfaces
- How to protect customers without killing innovation

Whether you work in banking, fintech, payments, or policy, this episode will change how you think about fraud prevention in the age of AI and real-time payments.

🎧 Listen now and stay ahead of the Scamdemic.

Couchonomics with Arjun Season 04 is brought to you by our partners:
Adyen https://www.adyen.com/
Thunes https://thunes.com/
Mastercard https://mastercard.com/
E& https://www.eand.com/
Digit9 https://www.digitnine.com/
SC Ventures https://scventures.io/
Hala https://hala.com/

Chapters:
00:00 Episode Highlights
02:04 The Scam Epidemic: An Overview
06:33 The Impact of Fraud on Financial Institutions
14:14 Introducing Sardine: AI-Powered Financial Crime Platform
19:17 Global Fraud Typologies and Real-Time Payments
22:47 Global Reactions to the Pandemic
23:46 The Impact on Wealthy Individuals and Businesses
24:43 The Need for Transparency and Best Practices
25:23 Regulatory Responses and Fraud Prevention
26:34 The Role of Social Media in Fraud
27:38 Challenges in Fraud Prevention and Coordination
29:42 Opportunities in Open Banking and Data Sharing
34:31 Digital Assets and Stablecoins
39:08 The Role of AI in Fraud Prevention
42:10 Future of Financial Crime and Conclusion

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

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Is today’s financial system fit for a digital-first world?
Not quite — and Siddharth Shetty is here to tell us why.
In this episode of Couchonomics, Arjun speaks with Finternet Labs CEO Siddharth Shetty, one of the architects behind India’s UPI and Account Aggregator framework, to unpack the vision for Finternet — a universal financial infrastructure layer designed to empower users, build trust, and unlock global interoperability.

We explore how fragmented rails, legacy systems, and a lack of verifiability are holding back progress, and how Finternet could be the solution that brings it all together.

👉 What you’ll learn:
- Why identity, credentials & asset control need to shift back to users
- How Finternet coexists with CBDCs, stablecoins & real-time payment systems
- The role of governments vs private sector in future infrastructure
- Middle East leapfrogging, tokenization & AI-driven transactions

🔗 Watch, learn, and join the conversation about the future of digital finance.

Couchonomics with Arjun Season 04 is brought to you by our partners:
Adyen https://www.adyen.com/
Thunes https://thunes.com/
Mastercard https://mastercard.com/
E& https://www.eand.com/
Digit9 https://www.digitnine.com/
SC Ventures https://scventures.io/
Hala https://hala.com/

Discover how the Finternet is reimagining finance for a connected world. Tap the link in the show notes to learn more. 👇
https://drive.google.com/file/d/1qIw8wSbw26mw8uLXIK8SohmGvvJobcPX/view?usp=sharing

Explore Finternet Labs: https://finternetlab.io/

Chapters:
00:00 Episode Highlights
01:58 Exploring Finternet Labs
03:01 Understanding Financial Infrastructure
05:33 The Vision of Finternet Labs
13:19 Governance and Dispute Resolution
25:02 Future of Financial Systems
27:07 Web3 and Coexistence with Traditional Financial Systems
29:15 Interoperability Challenges and Solutions
31:42 Cross-Border Transactions and Emerging Technologies
36:12 The Role of Digital Identity in Financial Ecosystems
40:45 Centralization vs. Decentralization in Digital Identity
44:13 Introduction to Finnet and Its Objectives
46:34 The Finternet Labs: Structure and Goals
50:21 Opportunities for the Middle East in Digital Finance
53:01 Conclusion and Future Events

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

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The future of payments won’t be card-swiped or cash-counted — it’ll be fast, digital, and deeply integrated.

In this episode of Couchonomics with Arjun, Floris de Kort, CEO of Thunes, joins to unpack what it really takes to build a global payments network across 130+ markets, from wallets to banks to mobile rails.

What’s inside:
- Why real-time payments still face real-world friction
- How Thunes is turning compliance into a competitive edge
- The rise of B2B payouts — and why corporates are driving the volume
- Why MENA is now a proving ground for wallet innovation
- The growing role of stablecoins in global finance

If you're building in fintech, infrastructure, or cross-border payments, this one’s essential listening.
🎧 Watch or listen on YouTube, Spotify, and Apple Podcasts.

Couchonomics with Arjun Season 04 is brought to you by our partners:
Adyen https://www.adyen.com/
Thunes https://thunes.com/
Mastercard https://mastercard.com/
E& https://www.eand.com/
Digit9 https://www.digitnine.com/
SC Ventures https://scventures.io/
Hala https://hala.com/

Chapters:
00:00 Episode Highlights
00:48 Introduction
01:34 State of the Payments Industry
03:39 The Rise of B2B Payments
05:33 Real-Time Payments and Global Trends
11:26 The Role of Stablecoins in Modern Payments
20:34 Regulation and the Future of Stablecoins
23:27 Cost and Efficiency of Modern Payment Systems
23:52 Regulatory Evolution and Market Disruption
24:17 Thunes' Recent Milestones and Future Plans
24:50 Challenges and Strategies in the US Market
25:30 Investment and Growth Focus
26:29 AI Integration in Financial Services
29:41 Navigating Complex Regulatory Environments
38:37 Middle East Expansion and Local Strategies
42:23 Conclusion and Future Outlook

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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Crypto isn’t dead, it’s going institutional.

In this episode of Couchonomics with Arjun, Rifad Mahasneh, CEO of OKX MENA, joins the show to unpack what real digital asset adoption looks like beyond the headlines.

We explore how OKX is building for scale, trust, and regulation - especially in the UAE, where crypto is becoming infrastructure, not just innovation.

🎯 What’s inside:
• Post-FTX trust rebuild: custody, compliance & proof-of-reserves
• Stablecoins, CBDCs & the future of programmable money
• Tokenization with real-world utility
• Why the UAE is leading the global charge in crypto regulation

Full episode out now on YouTube, Spotify & Apple Podcasts.

Couchonomics with Arjun Season 04 is brought to you by our partners:
Adyen https://www.adyen.com/
Thunes https://thunes.com/
Mastercard https://mastercard.com/
E& https://www.eand.com/
Digit9 https://www.digitnine.com/
SC Ventures https://scventures.io/
Hala https://hala.com/

Chapters:

00:00 Episode Highlights

00:56 Welcome to Couchonomics

01:48 Exploring OKX and Crypto Basics

03:29 Why the UAE for Crypto?

06:34 Understanding Crypto Terminology

09:37 State of Crypto in 2025

12:57 Institutional Adoption of Crypto

17:04 Bitcoin: Proof of Value

19:24 Centralized vs Decentralized Finance

24:00 Regulatory Landscape and Challenges

28:59 Regulatory Challenges in Blockchain

31:00 Innovating in the Crypto Space

32:32 Educating and Differentiating in the Market

41:04 Stablecoins and Their Impact

45:06 The Future of CBDCs and Stablecoins

49:46 Tokenization of Real-World Assets

54:50 OKX's Future Plans and Market Expansion

57:45 Conclusion and Final Thoughts

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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💸 What’s the real fintech miracle? Lending to SMEs — and staying alive 9 years later.

In this episode of Couchonomics with Arjun, we’re joined by Nikhilesh Goel, Co-Founder & CEO of Validus, Southeast Asia’s largest SME financing platform.
We unpack how Validus scaled to $5B+ in credit across the region by avoiding the hype and building disciplined, anchor-based lending models that actually work.

💡 Why SME lending is a graveyard for most fintechs
💡 Why 90% of Validus' capital comes from banks, not VCs
💡 AI that serves the ops, not the pitch
💡 How they scaled across SEA without shortcuts

🎧 Full episode now live on YouTube, Spotify & Apple Podcasts. Watch if you're building real fintech — not just noise.

CouchonomicsWithArjun #Validus #SMELending #Fintech #DigitalBanking #AnchorLending #SoutheastAsia #FutureOfFinance

Couchonomics with Arjun Season 04 is brought to you by our partners:
Adyen https://www.adyen.com/
Thunes https://thunes.com/
Mastercard https://mastercard.com/
E& https://www.eand.com/
Digit9 https://www.digitnine.com/
SC Ventures https://scventures.io/
Hala https://hala.com/

chapters:
00:00 Episode Highlights
01:05 Meet Nikhilesh, CEO of Validus
01:56 The Genesis of Validus
03:05 Navigating the SME Financing Landscape
06:08 Challenges and Solutions in SME Lending
09:00 The Role of Technology in SME Financing
11:32 Supply Chain Financing Model
18:57 The Future of SME Financing
29:05 Building Relationships with SMEs
31:13 Anchor-Based Lending
32:07 Regulatory Challenges in Indonesia and Thailand
37:04 Ethical Lending Practices
42:57 Competition in the FinTech Space
49:40 Exportability and Future Plans
51:42 Impact of Global Supply Chain Disruptions
52:31 Adopting AI and Frontier Technologies
56:24 Final Thoughts and Future Directions

Our website 👉 https://bit.ly/3jk7UH0

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• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
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AI isn’t a campaign. It’s a core banking reset.

In this episode of Couchonomics with Arjun, we’re joined by Amith Rajan, CEO of Neo Ventures and Head of Digital Wholesale Banking at Mashreq, for a candid conversation on how AI, tokenization, and infrastructure transformation are reshaping the banking stack from the inside out.

We unpack:
- Why "rip and replace" is a myth and what real legacy evolution looks like
-How Mashreq is deploying AI across KYC, onboarding, and customer insights
-The role of tokenized assets, CBDCs, and smart contracts in wholesale banking
- How Neo Ventures is exporting IP and scaling infrastructure beyond capital
- Why culture, not technology, is the biggest barrier to digital transformation

🎧 Full episode now streaming on YouTube, Spotify & Apple Podcasts.
🎧 Watch now and subscribe for more conversations on the future of finance.

Couchonomics with Arjun Season 04 is brought to you by our partners:
Adyen https://www.adyen.com/
Thunes https://thunes.com/
Mastercard https://mastercard.com/
E& https://www.eand.com/
Digit9 https://www.digitnine.com/
SC Ventures https://scventures.io/
Hala https://hala.com/

Chapters:
00:00 Episode Highlights
00:43 Welcome to Couchonomics
01:48 Aligning Dual Roles in Banking
04:11 Challenges in Wholesale Banking
06:51 The Role of AI in Banking
11:14 FinTech and Digital Assets
25:14 The Future of Tokenization
27:04 CBDCs and Stablecoins: A Comparative Analysis
29:14 Exploring Digital Assets in the Lab
29:47 Introduction to New Ventures
30:49 Venture Building and Investment Strategies
35:45 Scouting and Partnerships with Fintechs
39:08 Challenges and Opportunities in the VC Landscape
46:17 Advice for Institutions Entering the CVC Space
48:34 Conclusion and Final Thoughts

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
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• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
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The core of banking is broken, and duct-taping legacy systems won’t fix it.
This week on Couchonomics with Arjun, I’m joined by Myles Bertrand, CEO of Tuum, the modular core banking platform built in Estonia and now scaling across Europe and the GCC.
Tuum isn’t selling digital lipstick. They’re rebuilding the real plumbing of modern banking — one composable, cloud-native layer at a time.
💡 In this episode:
- Why full core replacement is a myth — and composability is the real unlock
- How to modernize without breaking everything (or everyone)
- What it takes to scale infra platforms into the GCC
- Where AI fits in — and where it doesn’t
- Why institutional banking might be the biggest opportunity for transformation

If you’re in banking, infra, SaaS, or scaling into MENA, this episode is required listening.

couchonomicswitharjun #CoreBanking #BankingInfrastructure #DigitalBanking #ComposableInfra #Fintech #MENA #GCCStartups #AIinBanking #Tuum #FutureOfFinance #BankTech #SaaS #Leadership

Couchonomics with Arjun Season 04 is brought to you by our partners:
Adyen https://www.adyen.com/
Thunes https://thunes.com/
Mastercard https://mastercard.com/
E& https://www.eand.com/
Digit9 https://www.digitnine.com/
SC Ventures https://scventures.io/
Hala https://hala.com/

Find us on our social media platforms:
Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
Couchonomics LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
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TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

00:00 Episode Highlights
01:59 Myles' Journey to Estonia
02:58 The Story of TOMB
05:40 Challenges and Trends in Banking
10:18 Cloud and Banking Infrastructure
15:17 Complexity in Banking Systems
20:03 Regulatory and Cultural Challenges
25:38 Competitive Landscape in Core Banking
26:41 Banking as a Service Evolution
27:45 Challenges and Opportunities in the Market
29:46 The Role of Technology Providers
31:20 Core Banking and Integration Strategies
40:03 AI in Banking: Potential and Challenges
45:57 Cultural Shifts and Technological Adoption
49:12 Regional Focus and Future Plans
51:25 Conclusion and Final Thoughts

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• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
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In this episode of Couchonomics with Arjun, we sit down with Tim Levene, CEO of Augmentum Fintech, the UK’s only publicly listed fintech venture capital firm.

From going public to backing infrastructure instead of hype, Tim shares what permanent capital allows that traditional VC structures don’t and why he believes the next decade of fintech will be won with discipline, not just disruption.

What we cover:
🛋️ Why Augmentum chose public markets over LP cycles
🛋️ The real story behind growth-at-all-costs and its fallout
🛋️ Why the GCC is becoming central to Augmentum’s investment strategy
🛋️ What it takes to stay relevant when the hype fades

🎧 Now streaming on YouTube, Spotify, and Apple Podcasts.

Couchonomics with Arjun Season 04 is brought to you by our partners:
Adyen https://www.adyen.com/
Thunes https://thunes.com/
Mastercard https://mastercard.com/
E& https://www.eand.com/
Digit9 https://www.digitnine.com/
SC Ventures https://scventures.io/
Hala https://hala.com/

Find us on our social media platforms:
Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
Couchonomics LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
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TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

Chapters:
00:00 – Episode Highlights
02:45 – Why Augmentum chose to go public
06:10 – Permanent capital vs traditional VC fundraising
10:25 – What LPs and public shareholders want in today’s market
13:55 – How Augmentum balances patient capital with fintech agility
17:20 – The post-2021 correction: resetting the fintech ecosystem
21:40 – Fintech infrastructure or B2C buzz: where the real value is now
25:00 – Operator-led investing and what it means for founders
29:15 – What makes a good VC-founder relationship
33:40 – Augmentum’s evolving interest in the Middle East
37:00 – Dubai and GCC as emerging fintech investment hubs
41:30 – Tim’s take on profitability vs scale in VC
45:05 – Outlook for fintech in the next 3–5 years
48:50 – Closing reflections and final takeaways

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
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The next banking stack won’t just be fast — it has to be human.

In this episode of Couchonomics with Arjun, Nick Drewett, Chief Commercial Officer at Engine by Starling, joins the conversation to share what it actually takes to launch and scale a digital bank — not in theory, but in practice.

Engine is the tech spinout from Starling Bank - one of the world’s first profitable digital banks - and it’s now powering next-gen banking infrastructure globally.

We cover:
- How Salt Bank launched in under 12 months
- Why most “modern” stacks still act like legacy
- Where AI adds real value in banking
- Why cost-to-serve is the new frontline
- What it means to localise for the GCC

Engine isn’t theory — it’s the tech behind Starling Bank’s success.

📍🎧 Listen now on Spotify, YouTube & Apple Podcasts.

Couchonomics with Arjun Season 04 is brought to you by our partners:
Adyen https://www.adyen.com/
Thunes https://thunes.com/
Mastercard https://mastercard.com/
E& https://www.eand.com/
Digit9 https://www.digitnine.com/
SC Ventures https://scventures.io/
Hala https://hala.com/

Chapters:
00:00 Episode Highlights
01:07Introduction
01:15 Meet Nick Drewett and Engine
01:53 The Story of Starling Bank
02:23 Starling Bank's Success and Customer Service
05:50 Introduction to Engine
08:12 Engine's Global Expansion
13:40 Case Study: Salt Bank in Romania
20:15 Case Study: AMP Bank in Australia
21:55 The Value of Banking Relationships
22:52 Competition and Mobile App Strategy
24:16 Global Banking Challenges and Localization
26:40 Trust and Managed Services
30:15 Technology and Banking as a Service
38:34 Growth and Expansion Plans
41:36 Final Thoughts and Future of Banking

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
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There’s a $260B SME financing gap in MENA, and most players are still offering copy-paste solutions.

In this episode of Couchonomics with Arjun, Craig Moore, Founder and CEO of Beehive, shares how one of the region’s original fintechs is tackling real problems with real results.

Since 2014, Beehive has built a lending model that combines technology, regulatory know-how, and operational depth to serve the segment banks continue to overlook.

In this conversation, we explore:
• What SME lending looks like on the ground in the GCC
• Why Beehive shifted from peer-to-peer to institutional capital
• How investor appetite is changing, from family offices to global VCs
• The practical role of AI in credit decisioning
• Beehive’s plans for expansion into Saudi Arabia, Oman, and more

📌 Listen now on Spotify, Apple Podcasts, or YouTube.

CouchonomicsWithArjun #SMELending #Fintech #DigitalBanking #MiddleEastFintech #AltCredit #VentureCapital #GCCStartups #FinancialInclusion #FounderVoices

Couchonomics with Arjun Season 04 is brought to you by our partners:
Adyen https://www.adyen.com/
Thunes https://thunes.com/
Mastercard https://mastercard.com/
E& https://www.eand.com/
Digit9 https://www.digitnine.com/
SC Ventures https://scventures.io/
Hala https://hala.com/

Find us on our social media platforms:
Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
Couchonomics LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
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TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

Chapters:
00:00 Episode Highlights
00:50 Intro
01:37 Beehive's Origin and Mission
04:22 Challenges in SME Lending
12:45 Technology's Role in Lending
15:08 Beehive's Evolution and Strategy
21:29 Competitive Landscape and Future Outlook
30:11 The SME Lending Landscape
30:43 Challenges and Competition in SME Lending
31:42 Significant Milestones and Growth
33:16 BNPL and Merchant Lending
35:46 Investment and Corporate Dynamics
40:53 Embracing AI and Technology
44:21 Blockchain and Tokenization
47:09 Regional Expansion and Market Strategies
51:34 Future Vision and Focus
55:40 Final Thoughts

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
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The Venture Model Broke. But Startups Are Still Building.
In this episode, Arjun is joined by Devin Kohli, General Partner at Outward VC, for a candid conversation on what’s next for venture capital.

They unpack:
- Shifting VC trends in Europe, MENA, and the USA
- Outward’s bets on Curve, Vauban, Bud & more
- AI hype vs. real vertical value
- Tokenisation, digital assets & future financial infrastructure
- Emerging tech hubs across Japan, MENA, Southeast Asia

Plus, Devin shares what conviction really looks like in a post-hype market — and why MENA founders are ones to watch.

No pitch decks. No jargon. Just a candid chat about cycles, conviction, and building through uncertainty.

🎧 Episode now live on YouTube, Spotify, and Apple Podcasts.

Couchonomics with Arjun Season 04 is brought to you by our partners:
Adyen https://www.adyen.com/
Thunes https://thunes.com/
Mastercard https://mastercard.com/
E& https://www.eand.com/
Digit9 https://www.digitnine.com/
SC Ventures https://scventures.io/
Hala https://hala.com/

chapters:
00:00 Episode Highlights
00:51 Introduction
02:01 State of the Nation: VC Insights for 2023 and Beyond
02:52 Impact of Global Events on VC and Startups
13:43 The Genesis and Philosophy of Outward VC
22:20 Challenges and Success Stories in VC Investments
30:05 Key Qualities and Red Flags in Founders
31:01 Identifying Key Qualities in Founders
33:26 Quantitative Aspects of Evaluating Founders
34:02 Emerging Sectors and Avoiding Herd Mentality
35:15 Focus on Wealth Tech and Asset Management
44:07 Challenges and Opportunities in Europe and the UK
51:37 Middle East as a Growing Hub for FinTech
54:12 Concluding Thoughts and Future Prospects

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
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• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
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Phygital is the new digital.

On Episode 2 of Couchonomics with Arjun Season 4, we sit down with Coenraad Jonker — Founder & Group CEO of Tyme — a digital banking pioneer who’s built real scale across emerging markets.
Tyme raised $250M in Series C. Reached a $1.5B valuation. Signed up 17M+ customers across South Africa and the Philippines. All while keeping CAC at one of the lowest levels globally.
This isn’t hype. This is hard-earned traction. We break down regulation, scale, AI-native banks & why incumbents can't keep up.

If you want to understand the next decade of retail banking — this is the conversation.

📺 Watch the full episode now on YouTube, Spotify, and Apple Podcasts.

Couchonomics with Arjun Season 04 is brought to you by our partners:
Adyen https://www.adyen.com/
Thunes https://thunes.com/
Mastercard https://mastercard.com/
E& https://www.eand.com/
Digit9 https://www.digitnine.com/
SC Ventures https://scventures.io/
Hala https://hala.com/

Chapters:
00:00 Episode Highlights
01:00 Introduction to the Guest and Tyme Group
01:46 Overview of Tyme Bank's Operations
02:46 The Growth of Digital Banking
04:33 Challenges and Failures in Digital Banking
08:54 Secrets to Tyme Bank's Success
16:28 Future Plans and Strategies
22:29 The Role of Digital Banks in the Financial Ecosystem
25:14 The Future of Digital Banks
27:10 Investor and Regulatory Perspectives
29:51 Challenges for Traditional Banks
39:38 Emerging Technologies and Their Impact
45:26 The Importance of Ecosystems
49:15 Future Expansion Plans

Our website 👉 https://bit.ly/3jk7UH0

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• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
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Season 4 of Couchonomics with Arjun kicks off with a venture builder shaking up the system — Gautam Jain from SC Ventures by Standard Chartered.

From launching digital banks in Asia to building full-stack ventures in the GCC, Gautam’s now part of a team transforming how venture-building happens inside a bank.

In this episode:
🧠 Innovation culture & internal equity
🧱 Building in real, underserved sectors
💡 Regulator-respecting fintech
🇸🇦 Why the GCC is ripe for bold ideas

Watch to learn why SCV isn’t your typical corporate venture arm — and how it’s building businesses that matter.

🎧 Watch now on YouTube or listen on all podcasting platforms!

Couchonomics with Arjun Season 04 is brought to you by our partners:
Adyen https://www.adyen.com/
Thunes https://thunes.com/
Mastercard https://mastercard.com/
E& https://www.eand.com/
Digit9 https://www.digitnine.com/
SC Ventures https://scventures.io/
Hala https://hala.com/

chapters:
00:00 Episode Highlight
00:49 Welcome to Season Four
01:13 Introducing Gautam Jain and SC Ventures
01:59 Understanding SE Ventures
04:29 The Importance of Mindset Shift in Banking
06:17 Challenges and Strategies in Innovation
20:04 The Role of Ecosystem Collaboration
24:26 Balancing Risk, Regulation, and Innovation
27:10 The Importance of People in Business
27:54 The Changing Landscape of Financial Services
28:46 Big Disruptive Trends and Technologies
30:32 Globalization and Digital Assets
31:38 Sustainability and Financial Inclusion
34:43 Adapting to Ambiguity and Change
37:54 Global Expansion and Market Dynamics
42:37 Investment Strategies and Risk Appetite
49:31 Future Vision for SE Ventures
52:40 Final Thoughts

Our website 👉 https://bit.ly/3jk7UH0

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• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
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We're officially back - bigger, bolder, more diverse, and more global than ever.

In Season 4, we’re asking the real questions:

• What’s next for AI, digital assets, open banking, and embedded finance?
• How are regulations and disruptive technologies reshaping financial services?
• Are we really keeping pace with the transformation?

Over 100 episodes in — and the journey’s just getting started.
Tune in and join the conversation as we decode the future of finance together.

Our website 👉 https://bit.ly/3jk7UH0

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• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
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Re-architecting Finance with Blockchain - Not Just Hype, But Real-World Infrastructure

We’re wrapping up this special Tokyo series of Couchonomics, filmed at the GFTN Forum — and what better way to close than with a bold conversation on the future of financial systems?

In this final episode, I’m joined by Naveen Mallela, Co-Head of Kinexys & Managing Director at JP Morgan — and we’re going beyond the buzzwords to talk about what it really takes to rewire the plumbing of global finance.

It’s a fascinating conversation about the real challenges — and opportunities — in transforming the global financial infrastructure.
🎧 Tune in now on YouTube, Spotify, or Apple Podcasts.

Chapters:
00:00 Introduction to Stable Coins and Liquidity
00:20 Welcome to Couch Genomics
00:52 Introducing Navin Male and Connexus
01:23 The Genesis of Connexus and Onyx
03:48 Exploring Digital Assets and Payments
06:15 Stable Coins vs. Commercial Bank Money
09:23 Connexus' Global Footprint and Innovations
11:52 Regulatory Challenges and Innovations
19:03 Collaborations and Future Plans
21:54 Conclusion and Farewell

Our website 👉 https://bit.ly/3jk7UH0

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• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
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Redefining Microfinance — With Feet on the Ground & Fire in the Belly
What if the future of financial inclusion wasn’t digital-first… but human-first?
In this Tokyo edition of Couchonomics with Arjun, we had the chance to sit down with Taejun Shin, Founder & CEO of Gojo — a rapidly growing microfinance platform working across 13 countries and reaching millions of underserved customers throughout the Global South.

As for Gojo? Many are calling it the “private sector’s answer to the World Bank” — and it’s easy to see why.

Tune in to the special series of Couchonomics with Arjun, which was recorded in Tokyo with the help of the GFTN Forum Japan. Available now on YouTube and all podcasting platforms!

Chapters:
00:00 Introduction and Welcome
01:09 Meet Tahin: A Stateless Entrepreneur
03:01 Journey to Financial Inclusion
05:19 Founding Go J: The Private Sector World Bank
08:12 Challenges and Strategies in Microfinance
10:29 Technology and Customer Acquisition
14:05 Role of Regulators and Major Banks
17:50 Investor Relations and Capital Structure
22:46 Future Plans and Expansion
24:16 Conclusion and Farewell

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
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Rewiring fintech infrastructure — operator-led, globally scaled
Couchonomics with Arjun is once again beaming in from Japan. This time, we're joined by Logan Allin, Founder & Managing Partner at Fin Capital.
Logan’s journey from SoFi Ventures to building Fin Capital is rooted in one big idea — fintech doesn’t need more flashy consumer apps, it needs better infrastructure.
We unpack:
💼 Why Fin Capital backs B2B fintech for banks, insurers, and asset managers
🌍 Fin Capital’s expansion into Asia — why now might be the best time to bring your fintech to Tokyo
💸 Why banks are spending billions on outdated IT systems — and the urgent need for smarter, cloud-based solutions
🧩 The challenge of replacing core banking systems without relying on middleware Band-Aids

Watch the full episode now — streaming on YouTube, Spotify & Apple Podcasts 🎧

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

Chapters:
00:00 Introduction
00:33 Meet Logan Allen of Fin Capital
01:08 Logan's Journey: From SoFi Ventures to Fin Capital
01:37 Fin Capital's Unique Approach and Strategy
04:58 Global Expansion and Market Focus
08:21 Challenges and Trends in FinTech
09:06 Core Banking Infrastructure Concerns
15:12 Japanese Market Insights and Opportunities
25:07 VC Industry Evolution and Final Thoughts
31:39 Conclusion

Our website 👉 https://bit.ly/3jk7UH0

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
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Rethinking Core Banking — From the Inside Out

In this special GFTN Japan edition of Couchonomics with Arjun, we welcome Mayoran Rajendra, Managing Director and Head of the Asia Innovation Center at SMBC — one of Japan’s largest financial institutions.
We discuss how his team is re-engineering the core of corporate banking using generative AI, automation, and agentic infrastructure — not just adding on shiny tools, but rebuilding from within.

🔍 In this episode:
- How data-driven dashboards are transforming CFO decision-making
- Why real innovation starts with fixing foundations, not chasing trends
- The hype vs. reality of GenAI in financial services
- The rise of Agentic BaaS — and what it means for the future of banking

🎧 Watch the full episode now — available on YouTube, Spotify, and Apple Podcasts.

Chapters:

00:00 Introduction

00:39 Meet Mayoran from SMBC

01:05 Mayoran's Background and Transition to Banking

04:20 Role and Mission of the Asia Innovation Center

06:49 Challenges and Successes in Innovation

10:38 Asia Rising Fund: Supporting Startups

13:40 Generative AI: Hype vs. Reality

17:08 Limitations and Innovations in AI Models

18:14 CFO Agent: Revolutionizing Financial Reviews

20:12 The Rise of AgTech AI and Open Finance

21:30 Agentic Workflows in Banking

25:05 Challenges and Opportunities for Traditional Banks

27:00 Staying Relevant with Emerging Technologies

30:18 Fostering Innovation in Financial Institutions

33:22 Conclusion

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What happens when alternative finance moves faster than regulation?

On this episode of Couchonomics with Arjun, Professor Bob Wardrop — Co-Founder of the Cambridge Centre for Alternative Finance and RegGenome — breaks down why global regulatory frameworks are struggling to keep up.

We explore:

• Why many regulators are still stuck in a pre-2008 mindset
• The rise of machine-readable, computational regulation
• What Japan is getting right (and wrong) in the fintech race
• How to actually build innovation teams within regulators

Tune in for a sharp look at the future of regulation in a fast-changing financial world.

Chapters:

00:00 Introduction

01:19 Founding of Cambridge Center for Alternative Finance (CCAF)

05:16 Reg Genome: A New Venture

15:16 Challenges in Financial Regulation

19:17 The Role of Technology in Regulation

22:43 Global Regulatory Landscape

23:19 Japan's Position in FinTech and Regulation

27:20 Characteristics of Strong Innovation Teams

32:02 Future of Financial Regulation

35:20 Conclusion

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Japan is regulated, conservative — and still ahead of the curve in digital assets.
In this episode of Couchonomics with Arjun, recorded in Tokyo with the support of GFTN Forum Japan, we sit down with Genki Oda, Managing Executive Director at SBI Holdings and Chairman of the Japan Virtual and Crypto Assets Exchange Association (JVCEA).
Genki has played a central role in shaping Japan’s digital asset landscape, and in this candid conversation, he shares sharp insights on where crypto is headed — in Japan and beyond.
A sharp and timely look at the future of digital finance in one of the world’s most complex markets.

CouchonomicsWithArjun #Crypto #Web3 #DigitalAssets #JVCEA #SBIHoldings #Regulation #Innovation #Japan #Fintech #GFTNForum #Bitcoin #FutureOfFinance

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Chapters:
00:00 Introduction
00:37 Meet Genki Oda
02:04 The Evolution of Japan's Crypto Market
04:42 Role of JVCEA in Crypto Regulation
06:11 Japan's Position in the Global FinTech Scene
11:10 SBI Holdings and Its Crypto Ventures
12:45 Global Expansion of SBI Holdings
13:42 Investing Outside Japan
14:37 Japan's Global Market Focus
15:06 Attracting Global Innovators to Japan
16:39 Challenges for Foreigners in Japan
18:27 Digital Assets in Japan
19:32 Stablecoins and Their Adoption
21:52 Future of CBDCs in Japan
23:30 SBI Holdings' Future Priorities
24:59 Conclusion and Final Thoughts

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Why hasn’t Japan produced more global startup giants?

In this special Japan series of Couchonomics with Arjun, recorded in Tokyo and in collaboration with GFTN Forum Japan, Arjun sits down with Jordan Fisher, Venture Partner at Antler and Co-founder of Zehitomo.
From the hidden inefficiencies in Japan’s service economy to the deeper structural and cultural barriers that limit growth, this conversation explores what it will take to build a more ambitious, globally competitive startup ecosystem in Japan.

🎙️ This is Episode 1 of a special 7-part series recorded on location across Japan.
👉 Don’t forget to follow the show to stay tuned for the rest of the Japan series.

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chapters:
00:00 Introduction
00:46 Meet Jordan: From Finance to Entrepreneurship
01:20 The Birth of Zehitomo
05:52 Challenges in Japan's Startup Ecosystem
13:38 The Role of Antler in the Startup Scene
15:51 Building a Global Decacorn
16:34 Antler's Unique Approach
17:13 The Residency Program
17:38 Investment and Support
18:39 Success Stories and Future Plans
20:59 Challenges and Opportunities in Japan
24:25 The Role of Corporates and Collaboration
27:16 Regulatory and Government Influence
30:44 Final Thoughts

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Japan has long been a leader in financial technology, from pioneering 24/7 ATMs to developing QR codes and digital payment systems. But in recent years, the country has struggled to keep up with the global fintech revolution. That might be about to change.

In this episode, Pieter Franken, Managing Director of GFTN Japan, joins us to explore Japan’s fintech resurgence and what’s driving innovation in the region. With Japan FinTech Week and the GFTN Japan Forum on the horizon, we discuss:

• Japan’s fintech evolution – early innovations, missed opportunities, and today’s comeback.
• Regulatory shifts – how Japan is leading in digital assets, open banking, and fintech-friendly policies.
• GFTN Japan Forum – how this event is shaping Japan’s fintech ecosystem and attracting global leaders.
• AI, crypto & deep tech – key trends redefining financial services in Japan.
• Startup & investor landscape – why Japan has lagged in unicorns and how new initiatives are fostering high-growth fintech startups.

With global fintech giants turning their attention to Japan, is this the country’s moment to lead again? 🇯🇵 Don’t miss this deep dive into Japan’s fintech future!

Watch now and subscribe for more fintech insights!

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That’s a wrap on Season 3 of #Couchonomics! And we’re ending on a high note.
In this season finale, we welcome Dr. Marwan Alzarouni, CEO of AI at the Dubai Department of Economy and Tourism, to the couch for an insightful discussion on how AI is reshaping industries, the evolution of blockchain, and Dubai’s vision for a tech-driven economy.

We also cover:
✅ AI’s role in Dubai’s government and economic strategy
✅ The intersection of AI and blockchain for security, efficiency, and transparency
✅ The impact of AI on jobs, entrepreneurship, and the future of work
✅ The speed of AI-driven change and what it means for industries

This season explored how fintech, AI, and emerging tech are transforming business in the MENA region and beyond. Watch the final episode now!

Couchonomics with Arjun Season 3 is brought to you by our partners:
Adyen https://www.adyen.com/
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Can Capital Save the Planet? 🌍💰

In this special Couchonomics x The Founders Peak episode from Singapore Fintech Festival 2024, we sit down with Oi Yee Choo, CEO of Climate Impact X (CIX), to discuss the future of sustainability finance and carbon markets.

🌱 Topics we covered:
✅ The biggest challenges in carbon markets
✅ How CIX is building a trusted global marketplace
✅ The role of AI, blockchain, and tokenization in improving transparency
✅ What’s next for carbon trading and finance’s role in sustainability

With trust and transparency key to scaling carbon markets, how do we get there? Watch the full episode to find out!

📺 Tune in now & share your thoughts in the comments!

Couchonomics #CarbonMarkets #Sustainability #ClimateFinance #Fintech #SingaporeFintechFestival #Innovation #AI #Blockchain #Tokenization

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chapters:
00:00 Introduction
01:08 Insights from the Sustainability Forum
02:44 The Birth and Vision of Climate Impact X
04:27 Challenges and Responsibilities in a Nascent Sector
08:13 Global Ambitions and Market Dynamics
10:12 Product Focus and Market Trends
15:58 Building Trust and Transparency
18:59 Engaging Corporates and Overcoming Barriers
23:19 Future Perspectives and Regulatory Clarity
24:56 Conclusion and Final Thoughts

Our website 👉 https://bit.ly/3jk7UH0

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Japan is making big moves in AI, blockchain, and digital asset regulation. In this special episode—filmed live at the Singapore Fintech Festival 2024 with The Founders Peak Unplugged—Arjun sits down with Ryosuke Ushida, Chief Fintech Officer at Japan’s Financial Services Agency, to discuss the country’s fintech future.

What's inside:
✅ Japan’s fintech regulations—innovation vs. compliance
✅ AI, blockchain, and stablecoin policies
✅ Financial inclusion & fintech’s role in the silver economy
✅ Cybersecurity, AML/CFT & protecting financial systems
✅ Why Japan is a rising fintech hub

📢 Don’t forget to like, comment, and subscribe for more insights from Couchonomics!

🎧 Now streaming everywhere.

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Is the Middle East set to be the ultimate billionaire’s playground by 2025?

In this episode of Couchonomics with Arjun, we're joined by Fahd Iqbal, CIO of UBS Middle East. We explore the influx of billionaires reshaping the UAE, the rise of family offices, and how AI is transforming investment strategies. Fahd shares his expert predictions for 2025 and the financial shifts happening across the region.

Don’t miss out—watch now to stay ahead of the curve!

Couchonomics with Arjun Season 3 is brought to you by our partners:
Adyen https://www.adyen.com/
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Can payments ever be truly invisible?
Lawrence Chan, Group CEO of NETS, is beaming in virtually from Singapore to discuss how the world of payments is rapidly changing and what it means for businesses everywhere.

Lawrence and Arjun covered a range of topics during our conversation. Here are some key points:

🌐 ASEAN payment connectivity and the potential of cross-border QR payments
🔧 How NETS is supporting merchants with smart solutions beyond just payments
🔑 The evolution of payment systems over the next 5-7 years and why resiliency will be key

We’re excited for you to hear Lawrence’s take on the future of payments and how NETS is at the heart of this transformation. Tune in now!

Couchonomics #Fintech #Payments #DigitalFinance #Innovation #Leadership #Nets #SoutheastAsia #DigitalPayments #FutureOfFinance

Couchonomics with Arjun Season 3 is brought to you by our partners:
Adyen https://www.adyen.com/
ToYou https://toyou.io/ar
Mastercard https://mastercard.com/
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PropTech Power in Saudi Arabia!
In this episode of Couchonomics with Arjun, we had an engaging conversation with Razwa Alharthi, Co-Founder of Nuzul, at Jeel, Riyadh Bank's innovation hub. Razwa shared how her PropTech startup is driving innovation and efficiency in Saudi Arabia's real estate sector through cutting-edge technology.

We also discussed:
👉 The story behind Nuzul and how it empowers real estate agents with digital tools to streamline workflows.
👉 How Nuzul addresses inefficiencies in areas like inventory management and client interactions.
👉 The transformative potential of data, AI, and blockchain in shaping the future of real estate.

Tune in to learn how Nuzul is paving the way for a more transparent, efficient, and tech-driven real estate market in Saudi Arabia.

Couchonomics #PropTech #Fintech #blockchain #Innovation #Technology #AI #RealEstate #SaudiArabia #DigitalInnovation #Startups #TechTransformation

Couchonomics with Arjun Season 3 is brought to you by our partners:
Adyen https://www.adyen.com/
ToYou https://toyou.io/ar
Mastercard https://mastercard.com/
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A New Era of Wealth Management! 💰
Couchonomics with Arjun is coming to you straight from Saudi Arabia! 🇸🇦 In this episode filmed at Jeel, Riyadh Bank's innovation hub, we chat with Ali Alorainy and Faisal Alqarni, the founders of Malaa Technologies, a wealth tech platform reshaping personal finance with a fresh, automated approach.

Here’s what you’ll discover in our conversation:
👉 How Malaa is shifting from traditional financial tools to goal-driven, automated financial planning.
👉 The impact of financial inclusion and how Malaa is bridging gaps in underserved markets.
👉 Why automation is key to achieving financial goals, even when financial literacy is a challenge.
👉 How personalization is becoming the core of finance, adapting to users’ changing needs and goals.

The episode is live now on YouTube and all podcasting platforms! 🎧

Couchonomics #FintechInnovation #WealthManagement #FinancialInclusion #PersonalFinance #SaudiArabia #Jeel #TechForGood #Entrepreneurship

Couchonomics with Arjun Season 3 is brought to you by our partners:
Adyen https://www.adyen.com/
ToYou https://toyou.io/ar
Mastercard https://mastercard.com/
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Our website 👉 https://bit.ly/3jk7UH0

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Future of crypto! 💱
We’re honored to have Richard Teng, CEO of Binance, joining us for an exclusive conversation straight from the heart of the Singapore FinTech Festival. As one of the most influential leaders in the crypto space, Richard takes us through his journey at the helm of Binance, a company that’s leading the charge in crypto adoption, education, and innovation.

Richard and Arjun also discussed:
👉 Binance’s journey in navigating regulatory challenges across 20+ countries.
👉 The rapid growth of crypto adoption and Bitcoin’s new, record-breaking milestone of $75K.
👉 The future of decentralized finance and how traditional finance is embracing crypto.
👉 Binance’s commitment to education, with over 27 million users engaging with Binance Academy.
👉 The impact of institutional adoption and how products like ETFs are driving mainstream crypto acceptance.

This episode is part of the special series in collaboration with The Founders Peak—and with Richard’s leadership insights, it’s one you won’t want to miss!

Our website 👉 https://bit.ly/3jk7UH0

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Tokenizing Trade Finance: A Glimpse into the Future of Digital Assets
Live from SFF 2024, we had the privilege of sitting down with Wee Kee Toh, Global Head of Business Architecture for Coin Systems at Onyx by JPMorgan, to unpack the groundbreaking innovations shaping the future of digital finance.
From interoperability to Global Layer One—a collaborative blockchain network operated by banks—we dove deep into how these advancements are revolutionizing the financial ecosystem.

Don’t miss this insightful conversation on the future of digital assets and blockchain-powered finance!
A big shoutout to Founders Peak for their collaboration in making this special series at SFF 2024 a reality.

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Is AI a Boon or a Bane for Banks? What happens to those banks that arrive late for the party?

Our special series from the Singapore Fintech Festival—created in collaboration with Founders Peak—continues with a must-watch episode!

I had the pleasure of sitting down with Tomas Skoumal, Founder & CEO of Dyna.ai, to explore how AI is reshaping the banking landscape.

Here’s what you’ll take away from our conversation:

• How generative AI is revolutionizing customer service with innovations like chatbots and in-branch avatars.

• Why traditional banks struggle with AI adoption while digital-first banks are leading the way.

• The pivotal role of cloud technology in unleashing AI’s full potential: “No Cloud = No AI.”

• A deep dive into Dyna.ai’s transformative “Result as a Service” model.

This episode is packed with insights on innovation, technology, and the future of finance that you won’t want to miss.

Our website 👉 https://bit.ly/3jk7UH0

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Payments Are Eating The World!
This week on the #couch, we had the chance to speak with Daumantas Grigaravicius, the new Head of the Middle East Region at Adyen.
We had an insightful conversation about the current trends in payments, both regionally and globally, and the transformative power of payment orchestration.

Join us as we explore the changing face of payments and consumer experiences in the Middle East and beyond.

#Couchonomics #Payments #Innovation #DigitalPayments #BNPL #PaymentOrchestration #Fintech #MiddleEast #Adyen #DigitalAssets #FutureOfFinance

Couchonomics with Arjun Season 03 is brought to you by our partners:
Adyen https://www.adyen.com/
ToYou https://toyou.io/ar
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How Stable Are Stablecoins?
In this episode of Couchonomics with Arjun, recorded live at the Singapore FinTech Festival in partnership with Founders Peak, we chat with Dante Disparte, Chief Strategy Officer and Head of Policy at Circle. Dante shares how Circle is using digital assets like USDC (Stablecoin) and EURC to build a more inclusive financial system.
Innovation is changing the way we think about global finance—tune in to learn more.

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Kicking off a special series of Couchonomics with Arjun, recorded live at the Singapore FinTech Festival 2024 in collaboration with Founders Peak! 🛋️

In this first episode, we welcome Nate Clark, CEO of GoTyme Bank, to talk about the future of digital banking in the Philippines and beyond. We dive into the Filipino financial services sector, the rise of fintech, the impact of AI on banking, and so much more.

Tune in for Nate's insights on digital banking's future and how GoTyme is leading the charge!

Our website 👉 https://bit.ly/3jk7UH0

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Super apps are the talk of the town and in the latest episode of Couchonomics with Arjun, we’re diving into this hot topic with Kaniyet Rayev, CEO of Boxo. Based in Kazakhstan and Singapore, Kaniyet leads Boxo—a platform that empowers apps to become super apps by seamlessly integrating e-commerce, travel, and financial services.

We cover the rise of super apps, Boxo’s innovative mini-app tech, and the future of digital innovation across global markets.

Watch now! ▶️📺

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The latest episode of Couchonomics with Arjun is now live from Riyadh, in collaboration with Jeel, Riyad Bank’s innovation center. Joining us are Morrad Irsane and Sharene Lee, co-founders of Takadao, a company redefining insurance through #blockchain and #Web3 technology. Their vision? To create a decentralized, transparent alternative to traditional insurance that aligns with #IslamicFinance principles and empowers underserved communities.

Tune in now to discover how Takadao is changing the narrative with ethical, technology-driven solutions for community support! This episode is available on all platforms

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Couchonomics with Arjun is beaming its inaugural episode from its new home in KSA, at Jeel, Riyadh Banks Innovation Center in the heart of Riyadh.

Our guest for this week’s special episode is Maher Loubieh, Co-Founder & CEO of Hala. During this episode, Maher shares Hala’s incredible journey from its beginnings as a peer-to-peer payment platform to then pivoting their business model to focus on the MSME sector in Saudi Arabia. We discuss Hala's strategic pivots, the trials and tribulations of evolving one's business model, the challenges of serving small businesses, and their vision for building a robust financial ecosystem tailored to MSMEs' unique needs.

Tune in for insights into Saudi Arabia's evolving fintech landscape and Hala's mission to empower local businesses!

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This week on #Couchonomics, Arjun sits down with Walter De Oude, the visionary Founder & CEO of Chocolate Finance—a high-yield cash management platform designed to bring better returns on idle cash. Joining from Singapore, Walter shares his inspiring journey from launching SingLife to creating Chocolate Finance, along with his vision for empowering “lazy savers” with higher returns.

In this episode, Arjun and Walter dive into:
- The inspiration behind Chocolate Finance
- How Chocolate Finance stands out in the market
- The regulatory approach shaping its growth
- Trends in FinTech, including digital assets, AI, and efficiency
- The incredible story behind SingLife

Catch this conversation on simplifying cash management, unlocking value for consumers, and Walter’s big plans for the future! 🎧

Watch now on YouTube or tune in on all audio platforms.

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Exciting plans for Season 4 are already in motion, and in this 100th-episode special, Arjun takes a turn on the other side of the #couch!

Hosting this special edition is Vuk Zlatarov, Co-founder and CEO of Poddster, who delves into Arjun’s journey behind the scenes. Vuk leads Arjun through a candid discussion about the journey of building the show, from its early days to becoming a space for the region's most insightful conversations. They explore the challenges, standout moments, and the future direction of the show as it continues to grow.

Plus, Vuk surprises Arjun with a quiz to test how well he really knows his own show. Want to see how he did? Tune in to find out!

Catch this unique behind-the-scenes conversation with Vuk as we celebrate 100 episodes of learning, innovation, and community! Available now on YouTube and all audio platforms

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We continue celebrating the 100th episode of Couchonomics with Arjun!

For this milestone episode, we’re happy to welcome back Roelant Prins, Chief Commercial Officer at Adyen. Roelant and Arjun had an interesting conversation at the end of Season 1, where we filmed a special episode in Amsterdam.
Today, Roelant joins us remotely to discuss the evolving payments landscape and explore the critical shifts happening in both Europe and the Middle East.
Catch this insightful conversation with Roelant as we celebrate 100 episodes of learning innovation, and community!

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We’re celebrating the 100th episode with the return of Ramana Kumar, CEO of Magnati! Ramana first joined us in Season 1, and now he’s back to share how Magnati has evolved into a leading cloud-based payments company.

In this special episode, we explore the shift to tech-driven payments, the rise of embedded finance, cross-border payment challenges in the MENA region, the role of CBDCs, and the potential of stablecoins in transaction banking. Plus, how Magnati is navigating the regulatory landscape across the UAE and Saudi Arabia.

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Celebrating the 100th episode of Couchonomics With Arjun with a special guest, Mr. FinTech himself, Sopnendu Mohanty, Chairman of the Board at Elevandi and Chief FinTech Officer at the Monetary Authority of Singapore (MAS). In our humble opinion, he's been the chief catalyst in turning Singapore into a FinTech powerhouse.

In this part of our 100th-episode special, Sopnendu and Arjun explore significant shifts in the FinTech landscape, including the evolution of digital assets and CBDCs, the impact of AI, and Singapore’s initiatives for a seamless digital finance ecosystem and cross-border payments.

They also discuss Singapore’s role in the FinTech ecosystem and the upcoming 9th edition of the Singapore FinTech Festival (SFF), which has become one of the most influential FinTech events globally.

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Today we’re joined by Sitoyo Lopokoiyit, CEO of M-PESA Africa, who has played a pivotal role in growing M-PESA across 8 African markets.

Sitoyo shares the fascinating story behind M-PESA’s evolution from a mobile money service into a full-fledged digital ecosystem, empowering consumers, businesses, and developers through an open API program.

We also covered:

• The role of regulation in fintech

• Cross-border payments and cost reduction

• The adoption of blockchain and AI

• Balancing innovation and competition with open architecture

• The future of CBDCs in Africa

• National payment infrastructure players and their impact

Don't miss this insightful conversation on how M-PESA is reshaping financial inclusion across Africa and leading the fintech revolution.

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Joining us on the latest episode of Couchonomics with Arjun, all the way from Tbilisi, Georgia, is Salim Dhanani, founder and CEO of PaveBank—the world’s first programmable bank.

In our conversation, Salim explains how PaveBank is shaping the future of financial services by leveraging blockchain and smart contracts to revolutionize trust and eliminate counterparty risks. We also dive into why they adopted the full reserve banking model, the impact of tokenization, and how evolving regulations are influencing the fintech space.

Tune in to discover what it means to be the world’s first programmable bank and hear about Pave Bank's exciting plans for the future!

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India's Unified Payments Interface (UPI) has broken records yet again, processing over 15 billion transactions in September alone—setting the global standard for faster payments.

In this episode of Couchonomics with Arjun, we dive into the incredible success of UPI with Ritesh Shukla, CEO of NPCI International. Ritesh shares insights on how he's taking India's groundbreaking digital payments system to the world stage.

Beyond UPI, we explore:

🛋️ Key trends reshaping the payments industry

🛋️ The evolution of faster payments

🛋️ The GCC’s rapid adoption of digital payments

🛋️ The rise of CBDCs

🛋️ NPCI’s game-changing collaborations with fintechs

This is a must-listen for anyone interested in payments, the rise of national payment infrastructure, how NPCI is pushing boundaries in payments both in India and worldwide, and much more.

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In this episode of Couchonomics with Arjun, we're joined by Rahul Banerjee, Founder & CEO of Bondblox, to explore the future of bond trading. Rahul shares how Bondblox is transforming access to bonds, opening up opportunities for retail investors in a market traditionally controlled by institutions.

Arjun and Rahul discuss the rapid growth of the bond market, particularly in Asia, and how technology is playing a key role in bridging the gap between institutional and individual investors. If you're curious about the bond market's impact on your wealth or interested in the latest financial innovations, this conversation is one you won’t want to miss!

Tune in to gain a fresh perspective on bonds and finance in the modern era.

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A roundup of the most effective strategies shared by leading experts in the banking and fintech sectors. I had the privilege of engaging in insightful conversations with some of the industry's top minds, and I'm excited to share these valuable insights with you.

Banking #Fintech #IndustryInsights #Strategy #ExpertAdvice #FinancialServices

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In this episode of #CouchonomicswithArjun, we're joined by Deepak Mehra, Chief Economist at Commercial Bank of Dubai. 🎙️

We explore the megatrends that are shaping our world—from the impact of AI and environmental changes to the challenges posed by aging populations across various countries. 🌍

Our conversation covers the complexities of wealth management, trading strategies, and the best approaches to investing in today’s unpredictable markets. 💹

We also take a closer look at the economies of the UAE and Saudi Arabia, discussing their reliance on fossil fuels and their ongoing efforts to diversify. 🇦🇪 🇸🇦

Lastly, we touch on the inspiration behind Deepak's latest book, 'Think Like a Golfer, Win Like a Golfer.' ⛳📖

Tune in to gain insights that could shape your financial future.

Investing #WealthManagement #AI #Sustainability #Economics #UAE #SaudiArabia #FinancialFuture #Banking #trading #fossilfuel

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Couchonomics with Arjun Season 03 is brought to you by our partners:

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FULL EPISODE - AVAILABLE EXCLUSIVELY IN AUDIO ONLY

In this episode, Arjun engages in a fascinating conversation with Mikhail Lomtadze, CEO and co-founder of Kaspi, the groundbreaking super app that is transforming daily life in Kazakhstan and beyond.

Mikhail shares Kaspi's journey from traditional banking and financial services to becoming a super app that offers everything from shopping and payments to government services and even marriage registrations—all within one platform.

They explore the mission behind Kaspi's innovative mobile services, the challenges faced in its early stages, and how Kaspi is adding value to consumers' lives by making everyday activities more accessible, affordable, and convenient.

With over 14 million users, Kaspi is one of the most engaging applications globally, setting a new standard for digital transformation in the financial and service industries.

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Couchonomics with Arjun Season 03 is brought to you by our partners:

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In this episode, Arjun sits down with Roger Rouhana, CEO of Alpheya, to explore the future of wealth management in the MENA region.

Their conversation delves into global wealth and asset management trends, highlighting the growing demand for innovative digital solutions and the crucial role of robo-advisors in making wealth management more accessible.

They also discuss Alpheya's mission and foundation, the evolving landscape of wealth management in the GCC region, and the impact of trading apps on the wealth tech industry.

Don’t miss our insightful discussion on how technology is reshaping the world of wealth management. Tune in now!

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Couchonomics with Arjun Season 03 is brought to you by our partners:

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Digital Leadership: Embracing the New Tech Age

This week, we sit down with Pedro Sousa Cardoso, Chief Digital Officer at Emirates NBD, to explore the state of banking in the UAE. We have an in-depth conversation on the evolving role of CDOs, increasing collaboration between banks and fintechs, and venture building within banks, using Liv Bank as an example.

Tune in to discover how Emirates NBD is leading the charge in banking innovation.

#CouchonomicsWithArjun #DigitalTransformation #FinTech #BankingInnovation #EmiratesNBD #Banking #BaaS #BeyondBanking #CDO #Innovation

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Chit-fund with a digital twist!

Ahmed Wadi, Founder and CEO of Money Fellows is our latest guest on the show. Money Fellows is a pioneering startup from Egypt that has digitized the ancient financial concept of ROSCAs, where a group of individuals act as an informal financial institution. In our chat, Ahmed shares insights on Money Fellows' operational strategy, the challenges and opportunities of building a startup in Egypt, and the overall fintech landscape in the country.

Discover how Money Fellows is revolutionizing this millennia-old concept! 💡

#Fintech #Startup #Innovation #MoneyFellows #Egypt #ROSCAs #ChitFunds

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Couchonomics with Arjun Season 03 is brought to you by our partners:

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The art of replacing disjointed systems with digitized processes.

Join us on Couchonomics with Arjun as we sit down with Vikram Suri, Managing Director for the Middle East and Turkey region at FIS. In this episode, Vikram and Arjun explore FIS’s significant impact in the GCC region and their constant drive for innovation and reinvention.

We discuss the ever-evolving world of fintech and payments, covering topics such as Payment Trends and Financial Inclusion, Banks and Payment Infrastructure, Biometrics and Contactless Payments, and FIS’s Approach to Security.
Don't miss this insightful conversation on the future of fintech and payments.

Couchonomics #Fintech #FIS #Innovation #Payments #CBDCs #Crypto #DigitalAssets

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Couchonomics with Arjun Season 03 is brought to you by our partners:

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In this episode, we’re joined by Christoph Koster, CEO of Ruya Bank, a digital-first Islamic community bank in the UAE. Ruya Bank is dedicated to bringing ethical Islamic banking practices to all communities in the UAE, supporting SMEs, startups, and low-income groups. Christoph and Arjun explore Islamic finance and banking, the potential for growth and collaboration in Islamic fintech, Ruya’s adoption of new technologies, and more.

Tune in to gain a deeper understanding of community banks, Islamic banking, and Ruya’s efforts to reshape banking in the UAE with its ethical approach.

DigitalBanking #IslamicBanking #Sustainability #CommunityBanking #couchonomics #islamicFinance #OpenBanking #Innovation #Banking #digitalbanks

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Couchonomics with Arjun Season 03 is brought to you by our partners:

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Can you rely on AI to invest in real estate globally?

Joining us this week on the #couch is Ranime El Skaff, the co-founder of PropAI—a platform that uses AI to simplify Dubai’s real estate investments. In this episode, we uncover the evolution of PropTech in the region, real estate trends, and how her company is revolutionizing real estate investment with cutting-edge technology.

Ranime and Arjun also discover the challeges in real estate invetsment, the dynamics of Dubai and Saudi Arabican RE market, future plans for Prop-AI and more.

Don't miss out on this episode—learn how Prop-AI is transforming the real estate landscape and what it means for the future of property investments. Available now on YouTube and all podcasting platforms!

Couchonomics #PropTech #RealEstate #AI #DubaiRealEstate #Investment #TechInnovation #FutureOfRealEstate #Fintech

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Couchonomics with Arjun Season 03 is brought to you by our partners:

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What is the state of CVC, and why is now the inflection point for CVCs to grow in the MENA region?

Joining us on the #couch to explore these questions is Kushal Shah, Managing Director of e& capital, the CVC arm of the e& group.

In this episode, Kushal shares his expert insights on e& capital's investment areas, focus, post-investment involvement, and future plans. We delve into the growing CVC scene in the region, discussing the differences between Corporate Venture Capital (CVC) and Venture Capital (VC), e& capital's investment strategy and governance, and the challenges and recommendations for CVCs.

Don't miss this insightful episode, available now on YouTube and all podcasting platforms. Tune in to gain a deeper understanding of the dynamic CVC landscape in the MENA region.

#Couchonomics #CVC #MENA #eandCapital #Investment #Innovation #NewEpisode

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Couchonomics with Arjun Season 03 is brought to you by our partners:

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This week, we shift our focus to telecommunications. What once was a booming and developing sector is now seen as more traditional, showing how fast things are changing. 🌐

Joining us on the #couch is Dina Tsybulskaya, the CEO of ESIM Plus. Dina shared her insights on the future of telecommunications, the impact of 24/7 connectivity, and how blockchain is revolutionizing decentralized physical infrastructure networks (DePIN).

Don't miss this conversation about what lies ahead for the telecom industry and what it means for consumers! 📱

This episode is now live on YouTube and all major podcasting platforms. Tune in now! 🎙️ #Telecom #Blockchain #DePIN #FutureOfConnectivity #Couchonomics #NewEpisode

Chapters:

00:00 - Episode Highlights

00:44 - Introduction

03:35 - eSIM Plus

09:36 - The Advantage of eSIM Plus

14:04 - Market Trends and Growth

17:44 - Challenges and Opportunities

20:23 - Decentralized Physical Infrastructure Networks (DePIN)

29:27 - eSIM Plus Business Model and Customer Engagement

34:30 - Future Opportunities and Challenges

37:15 - Crypto Payments and eSIM Plus

45:19 - Super App Strategy

50:42 - Why Crypto?

52:34 - Future Opportunities and Challenges

57:59 - Future of Telecommunications (B2C Perspective)

01:03:23 - Closing Words

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Couchonomics with Arjun Season 03 is brought to you by our partners:

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Season 3 of Couchonomics with Arjun, a podcast dedicated to dissecting the seismic shifts which are rearchitecting the global financial system.

Our journey transcends the MENA region's boundaries, focusing this season on Saudi Arabia, exploring the innovation that is shaping commerce and society as we know them today

If you are in this industry or eager to get educated, tune in weekly for exciting new episodes.

Couchonomics with Arjun is brought to you by our partners from Adyen, Mastercard, Thunes, ToYou, Geidea and M2P Fintech.

Our website 👉 https://bit.ly/3jk7UH0

Couchonomics with Arjun Season 03 is brought to you by our partners:

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Digital Transformation of the banking value chain is a key challenge for every Banking CEO - doesn’t matter where in the world they are operating.

In our latest episode, joining Arjun on the #couch is Jouk Pleiter, CEO of Backbase—a platform that specializes in helping banks modernize their customer interactions by transforming their technology stack from front to back. Jouk shares his candid insights on how changing consumer expectations and the influence of challengers entering the banking sector from multiple sectors are raising the bar for innovation and encouraging banks to modernize at a faster rate and take substantive decisions that require wholesale changes in the way banks operate.
Join us as we explore how the banking industry is evolving. Tune in now!

Fintech #innovation #Couchonomics #Backbase #FutureOfBanking #Payments #ai #blockchain #FinancialServices #digitaltransformation #futureoffinance

Couchonomics with Arjun Season 3 is brought to you by our partners:
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Couchonomics with Arjun Season 02 is brought to you by our partners:

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Welcome back to Couchonomics with Arjun! This week, we're diving into Pakistan's financial services with Kabeer Naqvi, Chairman of the Pakistan Microfinance Network. We explore the dynamic interplay between traditional banks, microfinance institutions, and fintechs, and discuss the digital transformation of Pakistan's financial ecosystem. Plus, we cover key topics like microfinance, regulatory advocacy, digital vs. traditional banking, and the challenges of serving MSMEs. Don't miss this insightful conversation! Available now on YouTube and all podcast platforms. Tune in!

Podcast #Fintech #Microfinance #Banking #DigitalTransformation #PakistanFinance #NewEpisode

Couchonomics with Arjun Season 3 is brought to you by our partners:
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00:00- Episode Highlights
01:07- Introduction
02:18- Financial Services Landscape in Pakistan
04:00- Microfinance in Pakistan
12:08- Strategic Initiatives and Organizational Structure
23:05- Digital vs. Traditional Banking
33:28- Fintech Landscape in Pakistan
42:50- Banking Partnerships with Fintechs
45:51- Challenges in Serving MSMEs
50:38- Regulatory Issues
53:42- Talent Retention and Brain Drain
56:36- Closing words

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Couchonomics with Arjun Season 02 is brought to you by our partners:

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Welcome to a new episode of Couchonomics with Arjun! This week, we're diving into Banking as a Service (BaaS) with Kelvin Tan, CEO of Audax.

Kelvin shares insights on Audax’s “bank in a box” solution, helping banks scale and modernize rapidly. We discuss the potential and challenges of BaaS, open banking, and the future of embedded finance. Don't miss this insightful conversation on digital banking!

Couchonomics with Arjun Season 3 is brought to you by our partners:

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Time stamps:

00:00 - Episode highlights

00:53 - Introduction

01:35 - The story of Audax

08:06 - BaaS

12:51 - Challenges with BaaS

22:59 - Adopting BaaS

25:10 - Open Banking and BaaS

27:40 - Embedded finance

33:05 - Regulators

34:52 - Audax and banks' relationship

36:42 - Partnerships and orchestration

40:28 - Market focus

45:07 - Learnings for banks embarking on BaaS

47:29 - Closing words

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Couchonomics with Arjun Season 02 is brought to you by our partners:

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Innovation in banking is about more than just adopting new technology—it's about challenging traditional perceptions and rethinking everything from customer service to risk management to create more flexible, responsive, and personalized financial services. In this episode, I sit down with Karan Jain, founder and CEO of Naya One, to discuss how his company is revolutionizing the banking world.

We dive into topics such as challenges in financial innovation, the role of Naya One, the evolution of banking innovation, FinTech and bank relationships, and the VC and CVC landscape. Tune in to learn how Naya One is transforming financial innovation and what the future holds for fintech collaborations. Watch now and stay ahead in the world of banking and fintech!

FinTech #DigitalAssets #Innovation #VC #CVC #Regulation #NayaOne #UK #UAE #Banks #FutureofFinance

Couchonomics with Arjun Season 3 is brought to you by our partners:
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Time stamps:
00:00 - Episode highlights
01:13 - Introduction
05:45 - Why banks underdeliver on ROI on innovation
08:01 - Digital transformation and continuous innovation
11:35 - How does Naya One approach culture problems
12:41 - Example of Naya One helping banks implement new technologies
18:36 - Helping banks develop criteria for assessing new technology
23:27 - Proof of concepts
25:44 - Impact on vendors
29:01 - Evolution of innovation in banking
33:25 - BaaS
37:04 - FinTech and banks relationship
41:41 - Are banks starting to use innovative platforms?
45:00 - Digital assets
46:07 - VCs and CVCs
48:51 - Differences between UK and US markets
52:47 - Regulatory sandboxes
55:37 - Closing words

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Couchonomics with Arjun Season 02 is brought to you by our partners:

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Welcome to the latest episode of Couchonomics with Arjun! In this episode, we have the privilege of hosting Ashraf Sabry, the visionary Founder and CEO of Fawry. Ashraf has transformed Fawry into a trailblazing fintech and one of the most successful startups in Africa.
We covered a range of topics, including innovation in payments,the development of startups in Egypt, Fawry’s diversification strategy, and Ashraf’s personal philosophy and expansion plans for Fawry. Don’t miss this opportunity to gain valuable insights from one of Africa's preeminent fintech leaders.

Couchonomics #Fintech #FinancialServices #Fawry #Egypt #Innovation #FutureofFinance #Insurance #Payments #FinancialInclusion

Couchonomics with Arjun Season 3 is brought to you by our partners:
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Timestamps:
00:00 - Episode Highlights
01:18 - Introduction
02:47 - Fawry’s Beginnings
06:57 - Managing Complexity in Business
09:53 - Secret to Acquiring New Customers
13:17 - The Importance of Trust
16:28 - Banks and Fintech
22:23 - Fintech Landscape in Egypt
28:24 - Innovation in Egypt
31:35 - What Will Trigger Greater Innovation in Egypt
35:16 - Collaboration of Banks and Fintech
37:31 - Technology in Egypt
44:37 - Regulator's Mindset
54:31 - Competition in the Market
58:50 - How Does Fawry Keep Innovating
01:01:00 - What’s Next for Fawry
01:06:00 - Closing Words

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Couchonomics with Arjun Season 02 is brought to you by our partners:

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We are talking about Digital Assets, DeFI and Crypto on Couchonomics with Arjun this week. Joining us on the couch is Nick Philpott, Co-Founder and Head of Partnerships at Zodia Markets by Standard Chartered & OSL. We had a very interesting conversation around #bitcoinhalving, #stablecoins, virtual-assets regulations, and tokenization of real-world assets, among other topics. Nick gave us insights into Zodia Markets' role as an OTC crypto brokerage serving institutional clients and their partnership with Standard Chartered.

Couchonomics #Bitcoin #Cryptocurrency #fintech #CryptoInsights #Tokenization #blockchain #ethereum #digitalassets #defi #cbdcs #centralbanks #cryptoexchange #digitalcurrency

Couchonomics with Arjun Season 3 is brought to you by our partners:
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Chapters:
00:00 - Episode Highlights
01:06 - Introduction
02:04 - Bitcoin Halving
06:23 - Influence of ETFs on market volume and trading patterns
08:08 - Introduction to Zodia Markets
16:50 - Partnership with Standard Chartered
23:27 - Regulatory Interpretation and Responsibility
26:51 - Seeking Regulation
29:47 - Industry Approaches to Regulation
32:36 - Potential Impact of CBDCs on cryptocurrency
35:29 - Stablecoins Use Cases
43:28 - Widespread Adoption of Stablecoins
49:31 - Tokenization of Real-World Assets
57:31 - What's Next for Zodia Markets
01:00:08 - Closing Words

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Couchonomics with Arjun Season 02 is brought to you by our partners:

• Adyen https://www.adyen.com/
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In this episode of Couchonomics, we tackle the burning question: "Bitcoin in 2024: Boom or Bust?" Join us as we engage in a fascinating conversation with Stefan Kimmel, the CEO of M2, a crypto exchange, and investment platform regulated by the FSRA in Abu Dhabi Global Market (ADGM).

We dive deep into the world of cryptocurrency, exploring the intricate dynamics of Bitcoin, DeFi, and digital assets. Throughout our chat, we touch upon various topics, including market dynamics, product innovation, and future trends in the crypto space.

Don't miss out on this insightful discussion!

Couchonomics with Arjun Season 3 is brought to you by our partners:
Adyen https://www.adyen.com/
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Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

Chapters:
00:00 - Episode Highlights
00:46 - Introduction
02:08 - Definition of digital assets
03:17 - Definition of DeFi
04:55 - Definition of Crypto
04:58 - Impact of regulation on decentralization
08:04 - Introduction to M2
09:43 - Genesis of the business in Abu Dhabi
11:13 - Current landscape of digital asset companies in the Middle East
14:29 - Analog world's adoption of blockchain and DA
17:25 - What can accelerate the adoption of blockchain and DA
19:42 - Based in Abu Dhabi, having global reach
21:15 - How does M2 position itself differently
24:15 - Challenges and Opportunities in Crypto
25:15 - Crypto market growth and adoption
29:37 - Building innovative products
34:32 - Payments and Adoption
37:37 - Customer Acquisition
40:36 - What does the ecosystem need to do differently?
41:17 - Legitimizing digital currency to invest in commodities
42:43 - Regulation and Technology Trends
47:08 - Global Talent Sourcing
47:49 - Regulation Prediction
49:40 - Keeping capital patient
52:13 - What will be the role of AI?
56:04 - B2B Partnerships and Market Expansion
58:00 - Advice for Crypto Trading Beginners
01:02:01 - Closing Words

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Couchonomics with Arjun Season 02 is brought to you by our partners:

• Adyen https://www.adyen.com/
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Welcome to a new episode of Couchonomics with Arjun!

Join Arjun as he explores Africa's dynamic startup scene and fintech landscape with Elias Yazbeck, Managing Director at Helios Investment Partners.
Discover key insights into Africa's market dynamics, challenges, and future trends in fintech. Elias also shares Helios Investment Partners' strategies and potential seismic shifts in private equity.
Topics covered include real-time payments, digital banking for SMEs, regulatory roles, entrepreneurship challenges, and Helios Investment's unique philosophy.

Tune in now for valuable insights! Watch the full episode on YouTube and major podcasting platforms.

Couchonomics with Arjun Season 3 is brought to you by our partners:
Adyen https://www.adyen.com/
ToYou https://toyou.io/ar
Mastercard https://mastercard.com/
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Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

Timestamps:
00:00 - Episode Highlight
01:12 - Introduction
02:10 - Overview of Helios Investment Partners
06:10 - Africa's Diverse Startup Scene
09:02 - Investing in Major African Markets and Market Dynamics
11:48 - Key Sectors of Interest
18:18 - Africa-Specific Trends
21:00 - The Role of Central Banks
24:46 - Prevailing Trends in Private Equity
31:41 - Shifts in the Private Equity Scene
34:58 - The Next Phase of Africa's Entrepreneurial Ecosystem
37:44 - Operational Challenges in Africa
42:08 - Investment Focus and Social Impact
46:51 - The Next Steps for Helios
49:51 - Closing Words

Our website 👉 https://bit.ly/3jk7UH0

Couchonomics with Arjun Season 02 is brought to you by our partners:

• Adyen https://www.adyen.com/
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• Visa https://ma.visamiddleeast.com/
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• M2P https://m2pfintech.com/

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
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Join Arjun on Couchonomics as we explore open banking and fintech in the GCC with Abdulla Almoayed, Founder & CEO of Tarabut. Discover the evolving landscape of financial services, BaaS, and gain insights into open banking.

We also delve into Tarabut's inspiration, GCC financial services, managed competition, challenges, and opportunities with open banking, BaaS integration, and accelerating digital adoption through fintech partnerships.

Watch now on YouTube and major podcast platforms! #Couchonomics #Fintech #OpenBanking #GCC #Tarabut

Couchonomics with Arjun Season 03 is brought to you by our partners:
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time stamps:
- 00:00 - Episode highlights
- 01:42 - Introduction
- 02:43 - About Tarabut
- 05:50 - Fintech scene in the GCC region
- 11:40 - Free competition vs. managed competition
- 16:21 - Challenges with open banking
- 22:53 - Banks' reluctance to adopt new technology
- 30:25 - Regional nuances in financial markets
- 34:00 - Regulatory harmonization
- 38:40 - BaaS and open banking integration
- 47:16 - Third-party providers in BaaS
- 51:11 - Digital transformation challenges and strategies
- 57:00 - Future strategy for Tarabut
- 01:04:00 - Closing words

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Couchonomics with Arjun Season 02 is brought to you by our partners:

• Adyen https://www.adyen.com/
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In this episode, we delve into the crucial topic of mental health with Scott Armstrong, Founder & CEO of Mentl, a mental health advocacy platform. From workplace challenges to the impact of AI, we explore various facets of mental well-being in today's world. Tune in for insightful discussions on work-life balance, stress management, and more. Don't miss out on this important conversation!

Couchonomics #MentalHealth #WorkLifeBalance #StressManagement #WellBeing #Podcast #LeadershipInsights

Timestamps:
00:00 - Episode Highlights
01:15 - Introduction
02:57 - Meet Mentl: Advocating Mental Health
03:53 - Scott’s Background Journey
05:22 - State of Mental Health in the Region
09:43 - Primary Drivers of Stress
14:33 - Traditional Work Culture vs. Modern Expectations
17:49 - Generation Gap in Work-Life Balance and Mental Health Attitudes
20:17 - Mental Health's Impact on Productivity
22:45 - Company Strategies for Employee Well-Being Investment
29:46 - Smart Mitigating Strategies for Well-Being
36:36 - Challenges Faced by Gen Z in the Workplace
41:22 - AI's Influence on Mental Health
56:14 - The Mental Health Crisis
58:16 - Addressing Mental Health Challenges and "Well-Washing"
1:02:00 - Closing Thoughts

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Couchonomics with Arjun Season 02 is brought to you by our partners:

• Adyen https://www.adyen.com/
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Episode 5 of Season 3 is live now featuring Mounir Nakhla, Founder and CEO of MNT-Halan. Join us as we delve into the journey of MNT-Halan and the Egyptian fintech landscape. From ride-hailing to a financial super app, we cover it all in this insightful episode! Tune in for a glimpse into the world of fintech innovation!

Fintech #MNTHalan #StartupJourney #couchonomics #tech #innovation #newepisode

Couchonomics with Arjun Season 3 is brought to you by our partners:
Adyen https://www.adyen.com/
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Timestamps:
00:00 - Episode Highlights
00:43 - Introduction
02:00 - MNT-Halan's story
05:23 - Creating a financial super app
08:12 - What makes MNT-Halan great
12:00 - Opportunities in the Egyptian market
15:55 - Microloans and consumer loans
18:58 - MNT-Halan's Impact on the Banking Sector
21:35 - Fintech Ecosystem in Egypt
24:36 - Impact of investors on startup direction
26:13 - Regulatory landscape in Egypt
28:02 - Egyptian companies going across the borders
32:02 - Opportunities of the Egyptian market for international fintech
37:32 - Future plans and strategies for MNT-Halan
40:49 - Talent scarcity and AI
42:00 - Closing words

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Couchonomics with Arjun Season 02 is brought to you by our partners:

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🚀 Explore the world of Venture Capital with Khaled Talhouni, Managing Partner at Nuwa Capital, in Episode 4 of Couchonomics with Arjun! We cover topics like the State of Venture Capital in 2023, market dynamics, lessons learned by VCs, challenges and opportunities for women entrepreneurs, and more. Don’t miss this conversation full of invaluable insights. Tune in now!

Timestamps:

00:00 - Episode Highlights

00:32 - Introduction

01:25 - The State of VC in 2023

12:31 - Lessons Learned by VCs

14:21 - The Emergence of the Saudi Market

23:36 - Challenges and Opportunities in the Egyptian Market

29:00 - Exploring Different Investment Sectors

44:07 - Empowering Women Entrepreneurs Through Investment

55:54 - Inside Nuwa Capital

59:23 - Common Pitfalls for Startups

01:04:30 - Expectations and Predictions for 2024/25

01:08:56 - Closing Words

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Couchonomics with Arjun Season 02 is brought to you by our partners:

• Adyen https://www.adyen.com/
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Join us for Episode 3 of Couchonomics with Arjun as we explore the UAE's entrepreneurship ecosystem with Professor Ramesh Jagannathan, Managing Director of StartAD. Learn about StartAD's innovative programs, the challenges of entrepreneurship, and the role of women in business. Subscribe for insightful discussions on driving economic growth and global competitiveness in the UAE!

StartAD #UAEentrepreneurship #Innovation #WomenEntrepreneurs #TechEducation #Angelinvestment #UAEstartup

Chapters:
00:00- Episode Highlights
00:26- Introduction
01:11- Prof. Ramesh Background
06:35- startAD inception and challenges
16:48- What makes startAD stand out
22:36- Capacity building in the UAE
25:08- Empowering women in entrepreneurship
29:19- VC funding and women-led ventures
37:06- NYU impact in startAD
42:30- Next chapter for startAD
46:25- Collaboration between capacity enablers
54:32- Closing words

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Couchonomics with Arjun Season 02 is brought to you by our partners:

• Adyen https://www.adyen.com/
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Welcome back to Couchonomics! In line with the theme of rearchitecting the global financial system, this week we explored the banking sector in the UAE and the wider GCC: regulatory focus, financial crime regulation, innovation, and in general, what the banking sector could do differently.

Helping us explore these topics, we had the privilege of hosting Raheel Ahmed, CEO of RAKBANK, on our show. During our conversation, Raheel shared his insights on the dynamic relationship between fintech and banks, his views on central banks, and Arjun even managed to slip in a CBDC question. 💸📈

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Couchonomics with Arjun Season 02 is brought to you by our partners:

• Adyen https://www.adyen.com/
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Dive into the future of Fintech with J.K. Khalil, General Manager at MasterCard GCC & Pakistan! Join Arjun and J.K. as they explore the partnership dynamics between fintechs and banks, the game-changing role of governments in innovation, embedded finance, and MasterCard's bold new initiatives! Don't miss out on this strong start to the third season!

#Fintech #Mastercard #fintechinnovation #couchonomics #season3 #fintechpodcast #digitalpayments #governmentregulations #digitalbanking

Timestamps:
00:00- Introduction
03:40- Rearchitecting Of The Financial System
08:22- Digital Payments
09:07- Faster Payments
14:35 -Cross Border Payment System
16:28- J.K’s View On CBDCs
19:30- Interesting News In Payments
23:27-Banks And Fintechs Dynamics
27:50 - Mastercard’s Work With New Fintechs
32:58- J.K’s Insights On Current State of VC’s
36:57- Why Is There A Lack Of Early-Stage Startups?
41:20- The Role Of Government Regulators
51:38- Closing Words

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Couchonomics with Arjun Season 02 is brought to you by our partners:

• Adyen https://www.adyen.com/
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**In the season finale of Couchonomics S02, Arjun was joined by David Chaum, inventor of electronic money and privacy technology. As Arjun puts it, David is a “living legend” and one of the most influential architects of our present-day financial systems.

David’s work in cryptography and every other he has touched has had a massive impact across the world. So far, his achievements and impact have been covered predominantly in Western Media, so we’re truly excited to bring this conversation to our mostly MENA-based audience.

David is currently leading xx network, a completely private, quantum-secure decentralized messaging and payment platform. He is also known for other fundamental innovations in cryptography, including privacy technologies such as mix nets and secure voting systems.

With a PhD in Computer Science from UC Berkeley, he has taught at NYU Graduate School of Business and the University of California. David is the founder of the International Association for Cryptologic Research, the Cryptography Group at the Center for Mathematics and Computer Science in Amsterdam, and DigiCash. Among his breakthrough projects are digital blind signatures, multiparty computation, and random sample voting.

In the episode, Arjun and David discussed:**

• Why David invented eCash, and how his work pioneered the way for cryptocurrency to be developed in its present form
• David’s involvement in exposing cryptographic weaknesses in payment systems
• His latest work: “Better Than Money”, inspired by the shortfallings of the current financial system
• How “Better Than Money” could address global financial inequity
• Barriers to financial improvement, and how blockchain-driven solutions could benefit the unbanked
• The role of both commercial and central banks in the evolving financial landscape
• How “Better Than Money” could coexist with CBDCs and stablecoins
• The potential of “Better Than Money” to address inefficiencies in cross-border payments

To learn more about “Better Than Money” and David’s ongoing work, visit his website: https://chaum.com/

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Couchonomics with Arjun Season 02 is brought to you by our partners:

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**In the latest episode of Couchonomics, Arjun was joined by Eyad Albayouk, General Manager at Flat6Labs.

Eyad comes from a 12-year background focused on alternative investments. This special episode, shot at Fintech Saudi, provided great insight into the state of the fintech startup ecosystem in KSA.

In the episode, Arjun and Eyad discussed:**

• The nature of Saudi's startup scene
• The current funding landscape in Saudi
• The state of deal flow: is it in trouble?
• The quality of fintech startups in KSA
• Angel investor networks in the region
• Increased participation of women in the Saudi workforce
• The role of experienced entrepreneurs in supporting early-stage startups
• Government actions in funding mechanisms, non-funding mechanisms, and regulatory interventions

Thank you to Fintech Saudi for inviting us to use their facilities to record this special episode of Couchonomics from KSA.

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Couchonomics with Arjun Season 02 is brought to you by our partners:

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• M2P https://m2pfintech.com/

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• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
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In the latest episode of Couchonomics, Arjun was joined by Paul Melotto, Executive Board Member at Alraedah Finance. Paul has played a key part in Arjun's journey to understand the Saudi ecosystem, especially regarding fintech and financial services.

In the episode, Arjun and Paul discussed:

• The state of Non-Banked Financial Institutions in KSA
• The liquidity gap faced by SMEs and how to address it
• Examples of government initiatives supporting SMEs
• The possibility of banks changing their attitude toward SMEs
• Whether fintechs are considered friends, foes, or frenemies
• What regulators can do to unlock potential in the SME and NBFI nexus
• Alraedah Finance's plans to help SMEs over the next 3 years

Thank you to Fintech Saudi for opening up their space to us for the recording of this episode.

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Couchonomics with Arjun Season 02 is brought to you by our partners:

• Adyen https://www.adyen.com/
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• M2P https://m2pfintech.com/

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• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
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**In the latest episode of Couchonomics, Arjun was joined on the couch by Mehdi Fichtali, CEO & Founder of FinaMaze, MENA's first AI digital wealth manager.

Founded by a highly experienced team with decades of track record in capital markets and asset management, their hybrid human/machine teams are currently managing hundreds of portfolios. We spent a fair amount of the episode breaking down AI's role in wealth management and the need for a product like FinaMaze.

In the episode, Arjun and Mehdi spoke about:**

• Their general frustration with traditional investment options
• The pitfalls of using trading platforms without proper training
• The wealth management industry's failure to educate customers
• FinaMaze's process of tailoring micro-portfolios for individual clients
• The way they’ve partnered human decision-makers with AI
• Challenges in B2C wealth management
• What differentiates FinaMaze from other "robo-advisors"

This is a great episode for AI enthusiasts, those working in wealthtech or wealth management, and anyone trading in their personal capacity.

Our website 👉 https://bit.ly/3jk7UH0

Couchonomics with Arjun Season 02 is brought to you by our partners:

• Adyen https://www.adyen.com/
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• Visa https://ma.visamiddleeast.com/
• Geidea https://geidea.net/
• M2P https://m2pfintech.com/

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
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"**We're behind the scenes. We make money move."

In the latest episode of Couchonomics, Arjun was joined by Jan Pilbauer, Chief Executive Officer of Al Etihad Payments, a national payments utility and fully owned subsidiary of the Central Bank of the UAE.

Al Etihad Payments recently launched Aani, a "payments experience" that allows you to make instant payments to people or merchants from your bank accounts, wallets, or other sources. We spent a good portion of the episode exploring this latest venture, and how it is furthering Al Etihad's mission of powering the payments that make the UAE thrive.

In the episode, Arjun and Jan spoke about:**

• The emergence of national payment infrastructures, whether they're commercially owned, state-owned, or mutual/cooperative models
• All things Aani, from how Al Etihad identified this gap in the market to the problems they’re solving with this payment experience
• The unique challenges facing payments in the UAE, with the dichotomy of the region being digitally enabled but still relying strongly on cash in particular areas
• Trends shaping the payments sector, such as the technologies enabling transformation in the industry
• The cashless versus "less cash" debate and how it applies to MENA
• How to enable faster payments: will CBDCs help?
• Open finance and debit card innovations taking place in the UAE
• Opportunities in the space of B2B payments
• Future banking models and the challenges facing the adoption of open banking

If you, like Arjun, are a "payments geek", this episode is definitely one to add to your listening lineup for the week!

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Couchonomics with Arjun Season 02 is brought to you by our partners:

• Adyen https://www.adyen.com/
• ToYou https://toyou.io/ar
• Visa https://ma.visamiddleeast.com/
• Geidea https://geidea.net/
• M2P https://m2pfintech.com/

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
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In today's high-paced corporate world, the importance of wellness cannot be emphasized enough. As firms compete in the war for talent, a new dimension has emerged as a magnet for the modern workforce: wellness. In this episode, we dive deep into this crucial topic with an industry stalwart.

Meet Diego Carrete, Chief Wellness Officer at First Abu Dhabi Bank (FAB). Beyond his pivotal role at the UAE's largest bank, Diego is a fitness aficionado, guiding busy executives on their path to peak wellness. His journey, filled with ups and downs, offers invaluable insights for anyone aiming for holistic health.

Diego unveils the crucial role of a Chief Wellness Officer, emphasizing the holistic development of an employee, both mentally and physically. Why are new generations prioritizing wellness over paychecks? Diego dissects the rise of wellness in the corporate value proposition.

Other Discussions:

• The dynamic world of online earning and the shifting perspectives of young generations.
• The importance of physical wellness as a foundation for emotional and mental health.
• Navigating through different stages of weight loss and the nuances of metabolic rates.
• The indispensable role of sleep in our wellness routine.
• Quick wellness hacks for busy professionals: The 10-minute body, mind, and soul routine.

At the heart of this enlightening discussion lies a message of balance, prioritizing oneself, and the imperative to evolve with changing times. The corporate world is shifting, with wellness at its core, and leaders like Diego Carrete are at the forefront of this movement. Tune in to learn, get inspired, and transform your approach to holistic well-being.

Our website 👉 https://bit.ly/3jk7UH0

Couchonomics with Arjun Season 02 is brought to you by our partners:

• Adyen https://www.adyen.com/
• ToYou https://toyou.io/ar
• Visa https://ma.visamiddleeast.com/
• Geidea https://geidea.net/
• M2P https://m2pfintech.com/

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
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Dive into the vibrant and ever-evolving world of FinTech as we explore the Singapore FinTech Festival (SFF) 2023 which is happening 15-17 November 2023. This is the global event where policy, finance, and technology not only meet but converge to reshape global economies.

Joining Arjun for this special episode is Pat Patel, the Executive Director of Elevandi. Having led the International FinTech Office at the Monetary Authority of Singapore (MAS) and played a pivotal role in shaping the digital economy, Pat offers a unique insider's perspective into the preparations and expectations of SFF.

Pat reveals some of the major industry leaders and key figures marking their presence at the event, including insights about Ajay Bhanga, the new president of the World Bank, and Eric Jing from Ant Group.

From policy discussions and financial tech showcases to its vast size resembling six giant warehouse hangers, Pat emphasizes the diversity and scale of the event. He also highlights the key thematic focuses of SFF this year, such as re-architecting the monetary system and the pivotal role of AI.

Other topics discussed:

• The significance of Ravi Menon's last festival address.
• Importance of talent pipelines in the global economic climate.
• The expansive evening festivities, turning Singapore's Club Street into a week-long street party.
• The challenge of navigating the vast offerings of SFF.
• Arjun's humorous take on the need for digital visiting cards and energy drinks to make the most of the festival.

Tune in to get a comprehensive understanding of what to expect from SFF 2023 and why, if you're serious about FinTech, it's an event you cannot afford to miss. Follow the journey with Arjun and Pat Patel as they discuss the nuances, attractions, and future trajectories of the festival. Don't miss out on this exclusive insider's view into the world's largest fintech event!

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Join us on this enlightening episode of Couchonomics as we navigate the intricate world of financial technology, focusing on the evolving landscape of employee benefits on a global scale.

We are thrilled to have Michael Watkins, the visionary CEO and Founder of Aurem, a pioneering platform bridging businesses and their global teams to financial services. With a rich history in the financial services sector, Michael delves into Aurem's mission to reimagine retirement solutions, especially within the unique context of the UAE.

Behavioral Barriers: Discover the inherent challenges faced by individuals when envisioning long-term financial security, and the innovative solutions Aurem brings to the table.

Money's True Worth: Unpack the delicate balance between saving and spending, with insights on maximizing the value of every dollar and understanding its impact on our life choices.

Other topics discussed:

• The role of employers in shaping employee financial futures and the symbiotic relationship between the two.
• Dissecting misconceptions surrounding wealth and its effective utilization.
• Exploring the value proposition of Aurem's offerings beyond the UAE.
• The significance of financial education in today's rapidly changing economic landscape.

In a world where the dynamics of work and personal finance are rapidly evolving, platforms like Aurem offer a beacon of innovation and security. Dive deep into these insights and more, understanding how businesses and their global teams can harness the power of financial services to create a more prosperous tomorrow. Join Arjun and Michael in this riveting dialogue, only on Couchonomics.

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Couchonomics with Arjun Season 02 is brought to you by our partners:

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Embark on an insightful journey into the heart of the MENA startup ecosystem, where we unravel the intricacies of venture capital trends and the challenges and opportunities ahead.

Join Arjun as he sits down with Philip Bahoshy, the CEO of MAGNiTT - the MENA region's formidable connector of startups, investors, and mentors. Philip, with his vast expertise and a pulse on the market, shares a unique perspective on the venture capital landscape, shedding light on MAGNiTT's mission and vision.

Navigate the complex weave of global venture capital, where Philip emphasizes the significance of macroeconomic factors like inflation, interest rates, and stock market volatility. Dive deep into MENA's venture capital nuances, observing the impact of significant deals and the fascinating role of fintech as the new frontier of investment.

Other Topics Discussed:

• The influence of global economic trends on venture capital

• Fintech's meteoric rise and its dominance in investments

• Reflections on regional investment trends and challenges

• Exploration of international markets and the importance of looking Eastward

• Venture capital in the context of rising interest rates and macroeconomic indicators

• Navigating the MENA startup scene: Opportunities, challenges, and the need for consolidation

In a dynamic and often unpredictable venture capital ecosystem, understanding the nuances is crucial. With Philip Bahoshy at the helm of this episode, we get a front-row seat to the evolving narrative of startups, investments, and the future of the MENA region. Dive into this episode of Couchonomics for a comprehensive look into what fuels, drives, and challenges the world of startups and investments in MENA.

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Couchonomics with Arjun Season 02 is brought to you by our partners:

• Adyen https://www.adyen.com/
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In this enlightening episode of Couchonomics, we delve deep into the revolutionary world of digital wealth management, exploring its innovations, challenges, and future trajectory. We peer into the intricate fabric of asset management, financial literacy, and economic adaptability in an ever-evolving market, all with a lens focusing on the MENA region.

Joining Arjun for this riveting discussion is Joseph El Am, the General Manager and Senior Executive Officer at StashAway MENA, the region's largest digital asset manager. Joseph, a seasoned professional, offers invaluable insights into StashAway’s unique business model, their expansion journey, and their visionary approach to offering state-of-the-art investment strategies to a broad audience.

Joseph elucidates StashAway's proprietary investment strategy, ERA (Economic Regime-Based Asset Allocation), spotlighting its adaptability in varying economic climates. He also draws a vivid picture of the financial landscapes post-COVID, detailing the intriguing shifts in investment behaviours, the general wariness of investors, and the growing appetite for varied investment avenues like money market funds and the imminent private market suite in the region.

Other topics discussed as bullet points:

• The glaring gap in financial literacy and the pivotal need for educational synergies involving wealth managers, banks, and educational institutions.
• The unveiling of StashAway’s innovative features like recurring deposits in partnership with Lean Technologies and the contemplation of introducing features available in other markets like Simple Guaranteed.
• Joseph's reflections on the current market trends, the unpredictable nature of investments, and the essence of avoiding the reinvention of the wheel.
• The potential expansion prospects of StashAway in the MENA region, with a particular focus on Saudi Arabia, and the strive for enhancing their footprint in the UAE.

As we explore StashAway's endeavours and aspirations, Joseph's perspectives offer a mirror reflecting the ongoing shifts and future possibilities in the investment world, making it a must-listen for anyone interested in finance, investment, and economic innovations.

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Couchonomics with Arjun Season 02 is brought to you by our partners:

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Get ready for an exhilarating ride into the future of digital media, commerce, and technology as we dive deep into the world of TikTok! If you ever wondered why TikTok isn't just for dance trends and how it's revolutionizing the content game, then you’re in for a treat. Arjun welcomes a very special guest who plays a crucial role in shaping TikTok's global strategy. Fasten your seat belts; this episode of Couchonomics will challenge your preconceptions and offer a visionary glimpse into the future of digital ecosystems.

Meet Shant Oknayan, the Head of Global Business Solutions for Asia-Pacific, Central & South Asia, Middle East & Africa - TikTok. With over two decades of experience in leading digital & business development strategies, Shant is a formidable voice in the tech world. A Double Master’s degree holder from MIT and Imperial College London, he's a strategist, an influencer in advisory ecosystems, and a forward-thinking executive who has held key positions at tech giants like Facebook (now Meta) and Google. Get ready to tap into his incredible wealth of knowledge!

The Age of Content: Shant delves into how TikTok fits into the evolution of digital spaces and the "fourth phase" of technology—The Age of Content. He explains how machine learning and smart algorithms are making content more personalized and relevant than ever.

Other Topics Discussed:

• Community Building: Communities like BookTok, BeautyTok, and FinTok are not only thriving but also helping users discover their passions. Shant discusses how these micro-communities are the future of content consumption and creation.

• Shoppertainment: Shant introduces us to this catchy term that embodies the future of commerce. It's where shopping meets entertainment, and TikTok aims to be at the forefront of this convergence.

• Safety and Relevance: How TikTok is ensuring that its recommendation engine not only serves relevant content but also keeps users safe.

• Edutainment: From bite-sized educational content for school kids to educational feeds dedicated to STEM, TikTok is pushing the boundaries of 'edutainment.'

• Creator vs. Influencer: Shant distinguishes between these two, emphasizing that TikTok is a platform for creators driven by passion rather than influencers chasing popularity.

• The C-Suite Perspective: Shant’s advice to C-suite executives about the need to understand and adopt TikTok as a serious platform for brand engagement and marketing.

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Couchonomics with Arjun Season 02 is brought to you by our partners:

• Adyen https://www.adyen.com/
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In this riveting episode of Couchonomics, we delve deep into the complex world of money exchange, remittance, and financial inclusion. We discuss how technology is changing the landscape while traditional services continue to serve a critical role.

We're honored to host Hasan Fardan Al Fardan, the CEO of Al Fardan Exchange L.L.C., a pioneering financial institution in the UAE with roots stretching back to 1954. Hasan guides us through his journey in transforming a family business into a modern financial powerhouse, serving communities both local and international.

Hasan shares insights on their digital application, AlfaPay, and their strategic partnership with Western Union, as well as how they're adopting Central Bank Digital Currencies (CBDCs). The conversation explores the meaning of true financial inclusion, extending beyond mere money transfer to broader financial services like loans and mortgages.

Other Topics Discussed:

· The historical legacy of Al Fardan Exchange

· Importance of Compliance and Governance

· The growing relevance of the African corridor in remittance

· The role of financial literacy in boosting inclusion

· Future expansion and new product offerings by Al Fardan Exchange

Don't miss this eye-opening conversation that navigates through the past, present, and future of money exchange and financial services. Hasan Al Fardan enlightens us on how Al Fardan Exchange is not just a financial service provider but a lifeline for millions globally. Join us in this insightful journey that promises to redefine how you think about money, technology, and human connection.

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Couchonomics with Arjun Season 02 is brought to you by our partners:

• Adyen https://www.adyen.com/
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• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
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Welcome to another stimulating episode of Couchonomics with Arjun, where we delve into the intricacies of the financial world! Today we're setting our sights on the evolving landscape of digital banking. We have an insider's look at how traditional banking is transforming to keep up with the digital wave. If you've ever wondered what it takes to make a bank future-ready, you won't want to miss this episode!

Our distinguished guest for today is Radu Topliceanu, the Executive Vice President, Head of Neo and Personal Banking at Mashreq. With a career spanning multiple continents and over 20 years in the digital space, Radu is a seasoned banking executive who knows the industry inside and out. He has successfully spearheaded several digital transformations and has a wealth of knowledge in fintech, digitalization, and customer-centric approaches.

Radu discusses how Mashreq is building its digital future on three pillars: customer obsession, a culture of innovation, and an ecosystem of partnerships. These aspects are crucial for a bank’s digital transformation and for meeting evolving customer expectations. Radu emphasizes that having the right culture is crucial for the success of any digital transformation. It’s not just about technology but about allowing teams to experiment, learn from failures, and adapt.

We also talked about:

Embedded Finance and Open Banking

The "Super App" Vision

Innovation in Youth Banking with Neonext

This episode is a goldmine for anyone interested in the future of banking, the role of innovation in financial services, and the emerging landscape of fintech partnerships. With a guest as knowledgeable as Radu Topliceanu, you're in for an hour packed with deep insights and forward-thinking discussions. So go ahead and hit that play button; let's decode the future of finance together!

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Couchonomics with Arjun Season 02 is brought to you by our partners:

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Sit tight, folks! In this electrifying episode of Couchonomics with Arjun, we're diving deep into the labyrinth of the fintech world. How will AI change the way we pay? What's the future of credit cards? How secure is your money really? We've got Khalil Alami, the Founder & CEO of Telr, to answer these burning questions and more! Meet Khalil Alami, a fintech legend with more than two decades of industry experience. He's the mastermind behind Telr, a game-changing online payment gateway that has garnered multiple awards and is redefining the payment landscape. Khalil is a visionary, thought leader, and an unwavering advocate for financial education. Khalil discusses the transformation to a cashless economy and how it's more than just a trend—it's a revolution. Also, he talks about Telr's high standard of security—how it became the first PCI DSS-certified payment gateway in 2014. Other Topics Discussed- Innovation & Interoperability: With ISO 20022 and API-based solutions, Telr is preparing for a unified commerce world. - Open Banking & Credit Lines: Khalil shares thoughts on the future of credit and how open banking is putting pressure on traditional systems.- Blockchain Blues: What's holding Telr back from incorporating cryptocurrencies? It's not technology—it's trust.- The Telr Ecosystem: From Telr Shops to Telr Secure, Khalil walks us through how Telr is becoming the ecosystem payment solution. This episode is a treasure trove of insights for anyone interested in fintech, payments, or simply how the digital age is transforming our wallets! Khalil Alami gives us an unfiltered look into the pioneering spirit that drives Telr, making this an episode you simply can't afford to miss!

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Couchonomics with Arjun Season 02 is brought to you by our partners:

• Adyen https://www.adyen.com/
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Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
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• Instagram

Our website 👉 https://bit.ly/3jk7UH0

Couchonomics with Arjun Season 02 is brought to you by our partners:

• Adyen https://www.adyen.com/
• ToYou https://toyou.io/ar
• Visa https://ma.visamiddleeast.com/
• Geidea https://geidea.net/
• M2P https://m2pfintech.com/

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
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Dive deep into the bustling world of investment, fintech, and the strategy behind successful consolidations. In this episode of Couchonomics, we venture into the art of picking the right businesses, the significance of 'cash,' and why sometimes, it's not just about growth.

Meet Nabil Ismail, the Executive Director at Gulf Capital. With over a decade of experience in investment and private equity, Nabil brings his expertise, especially from the tech & fintech realms, to our couch. From representing the UAE National Golf team to serving as a judge on several SME awards, Nabil’s journey is nothing short of inspiring.

Nabil talks about the ongoing mergers happening in the region, such as Magnati and Ideal, the consolidation story around payments, and how good money can still be made in this sector. Everyone is talking about profitability, but do they truly grasp it? It's not just about net profit or EBITDA; it's about the cash flow!

Other topics discussed:

• Buying a Business: The reasons and strategies behind acquisitions.

• Regional Perspectives: Analyzing the 'dry powder' scenario across regions, and how geopolitical shifts are influencing investment directions.

• Embedded Finance: The significance of banks and how fintech is being integrated into various platforms.

• Expanding Horizons: Gulf Capital's investments in international markets like India and Southeast Asia.

With insights from one of the leading minds in the investment sector, this episode is a treasure trove of knowledge for anyone looking to understand the landscape of alternative investments, fintech trends, and the nuances of regional and global expansions. Remember, as Nabil rightly points out, it's all about having the right people on board and learning from both successes and failures.

Be sure to hit that 'Like' button if you found value in this episode and don't forget to subscribe for more Couchonomics insights!

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Couchonomics with Arjun Season 02 is brought to you by our partners:

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Join Arjun on this riveting episode of Couchonomics as we embark on a journey from the nuances of Web 3.0 to the impending carbon economy. With gaming, metaverse, and blockchain as stepping stones, Arjun and his esteemed guest dive deep into the future of technology and sustainability.

Meet Prakash Somosundram, a serial entrepreneur with a flair for innovation in the digital advertising, startup, and blockchain realms. As the Co-Founder & CEO of Enjinstarter, Prakash is lighting the path for the next generation of blockchain gaming, metaverse experiences, and entertainment. With a stellar track record, his ventures echo with success, innovation, and a persistent drive for positive social impact.

Prakash demystifies the transition to Web 3.0 and the role of blockchain in shaping the new-age internet. As digital ownership and content security become the talk of the town, find out where Enjinstarter stands amid this digital revolution.

Experience a candid conversation about investment trends, AI's promising horizon, and the need for a new decentralized financial system. From the gaming hype to the rise of the metaverse, Prakash sheds light on the evolutions and revolutions that have marked Enjinstarter's journey.

In a world heating up faster than ever, Prakash shares a unique perspective on carbon credits, emphasizing its potential to become a significant asset class. How do businesses offset their footprint, and what's the next step for the global community?

Other Major Topics Discussed:

• The role of trust in Web3 projects and the impending need for regulations.

• An intriguing look at the global carbon trading landscape and companies leading the way.

• Unpacking the challenges and triumphs of initiating and operationalizing blockchain startups in today's dynamic environment.

• A discussion on the possibilities of bridging the funding gap through blockchain's transparency.

Arjun and Prakash's conversation is a testament to the exciting times we live in, as they bridge the worlds of technology, finance, and sustainability. Whether you're a tech aficionado, an environmental enthusiast, or someone intrigued by the ever-evolving world of startups, this episode is sure to leave you with insights, laughter, and a thirst for more. Dive in and let the Couchonomics session enlighten your day!

Our website 👉 https://bit.ly/3jk7UH0

Couchonomics with Arjun Season 02 is brought to you by our partners:

• Adyen https://www.adyen.com/
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• Visa https://ma.visamiddleeast.com/
• Geidea https://geidea.net/
• M2P https://m2pfintech.com/

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
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In this insightful episode of Couchonomics with Arjun, we engage in a thought-provoking discussion with Khalifa AlShamsi, the CEO at e& life, navigating the intriguing waters of digital disruption, FinTech innovations, and the rise of Super Apps. Tune in as we explore the cutting-edge strategies propelling the technology and investment group e& into new horizons.

Khalifa AlShamsi, our esteemed guest, holds over 29 years of experience in telecom, media, and ICT. As the Chief Executive Officer at e& life, he has spearheaded key innovations in digital services, shaping new revenue streams and accelerating business growth. With a formidable resume encompassing roles like Head of Mobile Networks, Chief Marketing Officer, and Chief Digital Officer, Khalifa brings a wealth of knowledge and industry insights to our conversation.

In our engaging dialogue, Khalifa sheds light on e& life's strategic approach to their B2B business and their venture into the consumer digital space. He outlines the company’s intention to provide high-value, quality services that extend beyond traditional telecom offerings, aiming to transform digital services across multiple markets.

Other Major Topics Discussed:

• The promising future of FinTech across e& group markets and the company’s focus on tailoring products for diverse customer segments.

• The role and evolution of Super Apps, with specific focus on the partnership with Careem.

• The success story of 'Smiles', a top-performing loyalty program.

• Exploring untapped potential in sectors like healthcare technology and media production.

• The emergence of blockchain in the remittance business, its cost-effectiveness, and its impact on investment areas, such as real estate tokenization.

This episode is an enriching journey through the evolving digital landscape, illuminating the transformative power of technology, strategy, and innovation. With Khalifa AlShamsi's in-depth insights and experiences, we take a closer look at how e& life is shaping a digital-first future. For anyone intrigued by the digital revolution, this episode is a must-listen. So tune in, and let's delve into the world of digital disruptions together!

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Couchonomics with Arjun Season 02 is brought to you by our partners:

• Adyen https://www.adyen.com/
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• Visa https://ma.visamiddleeast.com/
• Geidea https://geidea.net/
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Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
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Welcome to this unique, AI-focused episode of Couchonomics with Arjun, where we revisit some of the most insightful discussions from our second season. This special edition provides a deep dive into the burgeoning field of artificial intelligence and its transformative impact on the fintech industry.

Featuring conversations with esteemed guests:

Dr. Noah Raford, a renowned futurist with a grasp on AI's potentials and pitfalls.

Financial Economist & Emerging Tech Strategist, Amna Usman Chaudhry (in two enlightening parts), offering a deep analysis of AI's role in finance and technology.

Tram Anh Nguyen, Co-Founder of CFTE, with her astute perspective on the intersection of finance and technology.

Sopnendu Mohanty, Chief Fintech Officer at the Monetary Authority of Singapore (MAS), delving into the regulatory landscape of AI in fintech.

Saqr Ereiqat, Co-Founder of Crypto Oasis, discussing the convergence of blockchain and AI.

Renier Lemmens, Group CEO of Geidea, sharing innovative insights on AI's disruptive potential.

Ali Abulhasan, Co-Founder & CEO at Tap Payments, presenting real-world applications of AI in payment solutions.

Abdallah Abu-Sheikh, CEO of Botim and Founder of Astra Tech, uncovering the fusion of AI, ultra-apps, and digital convenience.

Dr. Waleed Sadek, CEO of PaySky and Yalla, illustrating how AI-driven solutions can reshape the payments industry.

Oliver Hughes, former CEO of Tinkoff, providing expert insights into AI's role in digital banking.

Gabrielle Inzirillo, Head of Ecosystem Development at Abu Dhabi Global Market's FSRA, highlighting the crucial role of regulation in the burgeoning AI-driven fintech landscape.

In this compilation of interviews, we explore the frontlines of the AI revolution, understanding its implications for finance, technology, and society. Be sure to subscribe to our YouTube channel and follow us on other platforms for more such insightful content on tech and finance. Join us as we explore the AI revolution and its transformative potential in reshaping our world.

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Couchonomics with Arjun Season 02 is brought to you by our partners:

• Adyen https://www.adyen.com/
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• Visa https://ma.visamiddleeast.com/
• Geidea https://geidea.net/
• M2P https://m2pfintech.com/

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
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Welcome to the latest episode of Couchonomics with Arjun. In this fascinating conversation, we delve deep into the world of Ultra Platforms, fintech, and the future of digital services with our esteemed guest, Abdallah Abu-Sheikh, the dynamic CEO of Botim and Founder of Astra Tech.

Abdallah Abu-Sheikh is a renowned entrepreneur and a visionary leader in the MENA region, known for his unconventional approach to business and innovation. At the helm of Astra Tech, he is paving the way towards an Ultra Platform future that seeks to simplify daily transactions and activities for consumers. His transformation of Botim into an Ultra App that provides an all-encompassing range of services sets the bar high for what consumer technology can accomplish.

In this eye-opening discussion, Abdallah talks about the evolution of Astra Tech and its various ventures, including Botim, PayBy, and Rizek. He shares insights on the need for and the creation of Ultra Platforms, noting the four components that define them: extreme usage, organic adoption, multi-service functionality, and their inherent ability to transcend targeted platforms.

Other Major Topics Discussed:

• Unpacking the journey of Botim and its success in markets beyond the UAE.

• The strategy of "last mover advantage" and how it can help companies thrive in saturated markets.

• A critical look at how businesses pass on costs to consumers and the urgent need for change.

• An introduction to Botim GPT, a world-first execution of generative AI that can carry out tasks based on user commands.

In this episode of Couchonomics with Arjun, Abdallah Abu-Sheikh has not just shared the journey of Astra Tech and Botim but also provided a glimpse into the future of the digital world. His insights and experience offer valuable lessons for entrepreneurs, businesses, and consumers alike. Tune in to understand the intricate world of fintech, the essence of Ultra Platforms, and to get a peek into what the future holds for digital services.

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Couchonomics with Arjun Season 02 is brought to you by our partners:

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Welcome to another insightful episode of Couchonomics with Arjun. In this episode, we delve into the innovative world of FinTech, discussing the groundbreaking journey of Twig, a start-up focused on cultivating a culture of saving in the MENA region. Twig's unique embedded savings infrastructure offers goal-based saving tools, enabling consumers to realize their financial dreams effortlessly.

Joining us on the show are the brain trusts behind Twig – Chafic Idriss, the founder and CEO, Rayan Antonios, the founder and CBO, and Karam El Dik, the founder and COO. Through their collective efforts, Twig has made remarkable strides in the realm of financial wellness, reshaping how individuals and businesses perceive and engage with saving strategies.

Throughout this episode, we discuss the inspiration behind Twig, and how the idea of making saving fun and engaging led to a transformative platform. Our guests also delve into the journey of their pre-seed round, the milestones achieved, and the strategic planning behind using the funds for expansion.

Key Topics Discussed:

• Twig's unique business model and its focus on the engagement aspect of financial management
• The significance of receiving the Dubai Financial Services Authority (DFSA) approval and why Dubai was chosen as their launchpad
• Twig's latest automated savings platform and its user-friendly, goal-oriented features
• The company's expansion plans and their aim to seamlessly integrate their services into different platforms, making savings a natural part of users' daily lives

In this riveting discussion, our guests provide an in-depth look at their ambitions to integrate savings into the daily lives of individuals and businesses alike. They also reveal insights into the challenges and triumphs of their entrepreneurial journey and their vision for Twig's future. Join us on Couchonomics to learn more about the revolution Twig is bringing to the financial landscape in the MENA region.

Find Twig online: https://www.twig.ae/

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Couchonomics with Arjun Season 02 is brought to you by our partners:

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In this riveting episode of Couchonomics, we dive deep into the intricate world of blockchain, metaverse, and web 3.0 with Amna Usman Chaudhry, a renowned Financial Economist & Emerging Tech Strategist. From the mechanics of blockchain and metaverse to its implications on fintech, Islamic fintech, and the efforts towards gender equality, this conversation explores the intersection of technology and societal norms.

Amna Usman Chaudhry is a force in the financial and tech space. As a part of the UNICEF Giga Blockchain, Metaverse, and Web 3.0 team, she contributes to a mission to connect every school and child worldwide to the internet by 2030. Amna holds several prestigious positions, including her work with the Oxford Blockchain Foundation and the AllStarsWomen NFT Club and DAO. Her deep involvement in the blockchain space and her passion for improving female representation and inclusion in tech uniquely positions her as a thought leader in the industry.

The discussion between Amna and Arjun delves into an array of insightful topics, including the World Economic Forum's Future of Jobs report's predictions, the potential of generative AI, and the history of DAOs. A notable highlight is the exploration of the importance of thorough smart contract auditing, evidenced by the 2016 DAO hack.

Amna also touches on the concept of deep fakes and generative AI, comparing it to both a magic lamp and a Pandora's box. The talk transitions to web 3.0, where Arjun and Amna ponder its nature, viewing it more as a transition or state of mind rather than a destination.

Other Major Topics Discussed:

1. A discussion on John Rawls' concept of "veil of ignorance" in relation to AI regulations.
2. The value of blockchain in providing control over one's digital identity.
3. The dichotomy of blockchain's environmental impact, emphasizing the shift from energy-intensive proof of work mechanisms to environmentally friendlier options.
4. Exploring how blockchain can aid in environmental efforts, highlighted by the example of the Plastic Bank project.

The episode wraps up with a reflection on Amna's extensive work in promoting diversity and inclusion in the tech space. Her insights on how blockchain and Web 3.0 can serve as tools for empowering women and fostering societal equality provide a hopeful perspective on the future of technology.

Join us on this insightful journey as we delve deep into the opportunities and challenges of blockchain, metaverse, and Web 3.0, and the importance of diversity and inclusion in these burgeoning fields.

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Couchonomics with Arjun Season 02 is brought to you by our partners:

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Welcome to a very special edition of Couchonomics with Arjun, your window into the dynamic world of global finance. We're incredibly excited to share this episode with you, recorded live from the city of a thousand hills, Kigali, Rwanda. Arjun, our esteemed host, joined the conversation at the first-ever Inclusive FinTech Forum (IFF), a global platform advocating financial inclusion and good FinTech practices, especially in emerging markets.

Our guest for this episode is none other than Sopnendu Mohanty, the Chief Fintech Officer of the Monetary Authority of Singapore (MAS) and Chairman of the Board of Elevandi, the company behind IFF. With his profound insights into fintech and financial policy, Sopnendu provides a unique perspective on global finance.

Throughout this exciting conversation, Sopnendu shares the genesis and vision behind the Inclusive FinTech Forum. They delve into the challenges and unique opportunities of solving financial inclusion problems in Africa, while exploring the high costs of financing, the demand for new technology, and the immense talent pool available. In addition, the discussion leads to the importance of domestic capital formation, with Sopnendu highlighting the need for local capital to have a 'skin in the game.'

Other Major Topics Discussed

• The high bar set by IFF's inaugural event and how it aims to grow even more prominent in the coming years.

• President Kagame's keen interest in fostering tech-based solutions in Rwanda and his desire to see the event expand.

• The palpable hunger for innovation observed by Arjun, alongside the recognition of unique problem-solving approaches needed in Africa.

• The critical role Middle East could play in supporting and participating in future editions of the IFF.

In this special edition of Couchonomics, we take you into the heart of a new movement, leveraging the power of fintech for financial inclusion. Arjun's conversation with Sopnendu paints an inspiring picture of the potential held by emerging markets and the pivotal role technology can play in driving inclusive growth.

Join us on this insightful journey exploring the next frontiers of global finance, and stay tuned for more riveting conversations in our upcoming episodes of Couchonomics. If you enjoyed this special edition, don't forget to like, share and subscribe. See you in the next episode!

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Couchonomics with Arjun Season 02 is brought to you by our partners:

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Welcome to the 50th episode of Couchonomics with Arjun, the show where we dissect the evolving landscape of global finance. In this, anniversary, episode, we take a deep dive into the financial technologies shaping the Middle East and North Africa (MENA) region. Our special guest, Renier Lemmens, Group CEO of Geidea, shares his insights on the future of payments, the reality of cashless societies, and the trajectory of fintech in emerging markets.

Renier Lemmens, a seasoned fintech leader, is the Group CEO of Geidea, one of the largest payment fintechs in Saudi Arabia. His illustrious career includes positions as CEO of PayPal EMEA, COO of Barclays International Retail and Commercial Banking, and Partner with McKinsey & Company. He is also a Visiting Professor of Fintech and Innovation at The London Institute of Banking & Finance, providing him with a unique perspective on the fintech ecosystem.

Renier discusses the journey of Geidea, its approach to customer acquisition, and the strategy behind launching the Geidea POS system. He provides thought-provoking insights into the debate about a cashless society, the challenges of fragmented markets, and the importance of 'doing a hundred small things right' in the payments industry.

Other Major Topics Discussed

• The future of artificial intelligence in shopping and its potential impact on traditional retail models.

• The viability and future of cryptocurrencies and their place in the global economy.

• The rise and implications of 'Buy Now Pay Later' (BNPL) models, including potential regulatory challenges and credit management issues.

• Geidea's exponential growth in the acquiring business and the strategic vision for the company in the next five years.

In an ever-evolving fintech landscape, leaders like Renier Lemmens offer invaluable insights into the complexities and opportunities of the industry. This episode provides an in-depth look at the journey of a successful fintech company, the realities of navigating emerging markets, and the promising future of the MENA region's financial technology scene.

So, if you're eager to understand the mechanics of fintech operations, the future of payments, or just gain some expert insights, this is an episode you won't want to miss. Subscribe to Couchonomics and stay tuned for more engaging conversations about the world of finance.

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Couchonomics with Arjun Season 02 is brought to you by our partners:

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Welcome to the latest episode of Couchonomics with your host, Arjun. In this episode, we sit down with Pat Patel, Executive Director of Elevandi, an esteemed thought leader in the FinTech ecosystem, who takes us on a deep dive into the dynamic world of financial technology, its potential, and how we can harness its power to drive economic growth across borders.

Elevandi is a company initiated by the Monetary Authority of Singapore (MAS) with a mission to foster dialogue between the public and private sectors to promote the growth of FinTech in the digital economy. Pat has a profound experience in building collaborative fintech ecosystems across South Asia, Africa, and Europe, and has previously led Money20/20's growth into Europe, Singapore, and China.

Pat provides valuable insights into the role of Elevandi in bridging the gap between policymakers, regulators, and innovators in the FinTech world. He sheds light on the necessity of updating risk frameworks to suit the ever-evolving digital landscape. Patel also shares his perspective on the significant potential India holds, especially with the upcoming G20 summit.

The discussion with Patel led us to other topics, such as:

• The promising development of FinTech ecosystems in Africa, specifically Rwanda's burgeoning scene and its collaboration with KIFC.

• The importance of building digital public goods for the advancement of a digital economy

• The global shift from experimenting with fintech to implementing it

• The role of technology in reaching out to underserved communities.

In this engaging discussion, Pat Patel provides a comprehensive outlook on the future of FinTech, the challenges, and opportunities it brings, and how companies and nations can collaborate to leverage its potential. This episode is a must-watch for anyone interested in the intricate dynamics of the fintech ecosystem and its impact on global and local markets. So, make sure to tune in and equip yourself with the knowledge to navigate the exciting world of FinTech!

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Couchonomics with Arjun Season 02 is brought to you by our partners:

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Welcome to another electrifying episode of Couchonomics with Arjun, where we're making sense of the rapidly evolving world of finance and technology! In this episode, we're venturing into the Middle East's dynamic fintech landscape, discussing the breakthroughs and challenges of online payments, and understanding what it takes to connect a fragmented market.

We're joined by an influential game-changer in the fintech industry, Ali Abulhasan. As the Co-Founder & CEO at Tap Payments, Ali is transforming the way businesses and consumers experience online payments. With a strong background in payments within the oil, gas, and telecom industries, Ali has steered Tap Payments to bridge the disconnected payment landscape across the MENA region, revolutionizing the experience for over 100,000 businesses.

Ali shares his insights on how his vision to reduce the processing time of online payments has driven Tap Payments' mission. He also delves into the complexities of growing and evolving in a region marked by a fragmented market and diverse consumer behaviors.

In this enlightening conversation, Ali opens up about the various preferences by consumers across different countries in the Middle East. He emphasizes the necessity for a broader investment to cater to these varying preferences, and how it influences the growth of fintech in the region.

Other major topics discussed:

• The essential role of public infrastructure in building a sustainable fintech business.
• The potential of crypto and biometric technology in shaping the future of payment methods.
• The role of AI in driving the fintech landscape and the potential challenges it presents.
• The importance of collaboration in bridging different networks globally and locally.

So, plug in and get ready for an insightful ride into the future of payments and fintech with Ali Abulhasan, only on Couchonomics. Stay tuned, and let's decode the future of finance together!

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Couchonomics with Arjun Season 02 is brought to you by our partners:

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In this episode, we explore the burgeoning digital payment landscape in Egypt. The market is seeing rapid growth, driven by new digital platforms, Covid-19's impact on consumer behavior, and supportive regulations.

Meet our guest, Dr. Waleed Sadek, a seasoned entrepreneur and expert in digital financial services. He is the founder and CEO of PaySky and Yalla, leading players in the Middle Eastern and African fintech industry. Dr. Sadek discusses his journey from the world of medicine to the helm of several fintech startups and his vision to democratize the digital payment ecosystem.

Dr. Sadek shares PaySky's two-pronged approach: the Super Payment Gateway powering central banks and retail banks in the Middle East and Africa, and a consumer proposition aiming to disrupt digital banking.

Dr. Sadek introduces Yalla's Super App, an all-in-one ecosystem providing everything from remittances and bill payments to saving schemes and an integrated marketplace.

Other Major Topics Discussed

• The role of blockchain in the payment ecosystem.

• The future of fintech and banking, wherein the experience and services will take precedence over the actual place of money storage.

• The rise of Yalla's Super App and the positive customer reception.

Tune in to listen to Dr. Waleed Sadek's unique perspective on the current digital payment ecosystem, the transformative role of fintech, and the future of banking. It's a deep dive into the digital revolution that is transforming financial services in the Middle East and Africa.

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Couchonomics with Arjun Season 02 is brought to you by our partners:

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In this enlightening episode, we delve into the fascinating world of crypto and blockchain, exploring how these groundbreaking technologies are reshaping not only finance, but also society and governance.

Our guest is Saqr Ereiqat, a blockchain pioneer and Co-Founder of Crypto Oasis, who brings a wealth of experience from his time at IBM and his role in shaping Dubai's official government blockchain strategy.

Crypto Oasis is an ecosystem investment structure dedicated to fostering growth and innovation in the blockchain sphere within the Middle East and North Africa. With Saqr at the helm, Crypto Oasis has reached significant milestones, aiding the emergence of over 1800 companies in this space.

Saqr offers in-depth insight into how blockchain is akin to concrete, capable of building a variety of structures. He discusses the rapid growth of the blockchain space in the Middle East and North Africa, viewing gaming as a Trojan horse that could bring blockchain and crypto to a wider audience. Saqr also shares his vision for a world teeming with stable coins and a more decentralized, centralized architecture, akin to the relationship between the internet and intranets.

Other Topics Discussed:

• World Economic Forum's future jobs report

• Potential of tokenization

• Governmental strategies of Dubai and the UAE

This episode is a must-listen for anyone interested in blockchain, cryptocurrency, or the future of decentralized systems. Saqr Ereiqat, with his vast experience and vision, provides valuable insights into the ongoing evolution of these technologies and the potential they hold for reshaping our world. Join us on this journey through the Crypto Oasis!

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Couchonomics with Arjun Season 02 is brought to you by our partners:

• Adyen https://www.adyen.com/
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In this episode of Couchonomics, we welcome Wael Fakharany, CEO of Edenred Middle East, a leading provider of smart technology solutions in the UAE. Wael shares his expertise in empowering businesses across various sectors, including retail, facilities management, and construction, through technology-driven financial solutions.

Edenred UAE offers a comprehensive range of products, such as the C3Pay card, C3Pay mobile app, and Edenred Payroll Portal, designed to streamline financial processes and enhance employee experiences. Their mission is to increase banking services uptake among the unbanked and underbanked population in the UAE, making financial services accessible to all.

Wael reveals that Edenred processes a staggering two and a half million salaries every month, serving around two million individuals. Their commitment to their "C3 pay champions" is evident, with a focus on their clients who are the fuel that runs the company.

The interview delves into various topics, including the importance of solving financial inclusion problems for micro and small businesses to indirectly benefit their employees. Wael envisions Edenred becoming the platform of choice for the underbanked, empowering individuals and corporations alike.

Topics on the menu also are the potential of open banking, the growth opportunities in Egypt despite challenges, and the importance of user-centric thinking and the adoption of emerging technologies like blockchain.

Throughout the episode, Wael's passion for innovation and commitment to profitability in the fintech industry shine through. Edenred's tripled tech investment and continued profitability showcase their ability to navigate and thrive in a rapidly evolving landscape.

Other Topics Discussed:

• The Role of Open Banking and Blockchain
• Building a Profitable Fintech
• Leveraging b2b2c partnerships to offer value-added services for corporations and their employees

Join us for an enlightening episode as Wael Fakharany shares his invaluable insights into the world of fintech, financial inclusion, and the transformative power of technology. Discover how Edenred Middle East is shaping the future of financial services and paving the way for a more inclusive and empowered society.

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Couchonomics with Arjun Season 02 is brought to you by our partners:

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In the latest episode of Couchonomics with Arjun, we had the pleasure of interviewing Oliver Hughes, former CEO of Tinkoff, one of the largest digital platforms in Russia. Oliver's unique experience in the finance industry and his excellent reputation in the market led him to be recruited by Oleg Tinkov as part of the leadership team of the newly-launched Tinkoff Credit Systems. Oliver's journey in Tinkoff and his experience in the financial industry gave us valuable insights into the current state and future of digital banking and FinTech.

During the podcast episode, Oliver shared how Tinkoff evolved from a direct-to-mail credit card business to a giant financial lifestyle ecosystem that offers a wide range of lifestyle services like brokerage, travel, entertainment, and much more. He emphasized how the lessons they learned during the global financial crisis of 2008 became competitive advantages that they still carry through today.

Oliver also highlighted the importance of balance sheet management and profitability in the digital banking and FinTech industry. He discussed the liabilities-led approach that many companies used in the past, which resulted in scaling without profitability. He also touched on the concept of traditional banking and how it's being replaced by digital banking, which he believes is the future. However, he also noted that private equity-fueled neo banking has led to a lack of discipline in managing balance sheets, which is essential for running a profitable digital banking business.

In addition, Oliver talked about the challenges that traditional banks face in building ecosystems, as it requires expensive online expertise and a tech culture that traditional banks are not equipped to handle. He also shared his belief that the B2C business model won't move to tech companies or retailers, but rather to digital banks that have the balance sheet and the ability to go direct to consumers through mobile channels.

Other topics of discussion in this episode include:

• The importance of unit economics in digital banking

• The future of traditional branch-based banking

• The barriers to entry for entrepreneurs in emerging markets.

Don't miss this exciting episode of Couchonomics with Arjun, where we dive deep into the world of digital banking and FinTech with Oliver Hughes.

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Couchonomics with Arjun Season 02 is brought to you by our partners:

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• Geidea https://geidea.net/
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In this episode of Couchonomics with Arjun, we speak with Madiha Sattar, VP of Careem Pay, the fintech arm of Careem, the Middle East's first unicorn.

Madiha has had a versatile and ambitious career across finance, tech, and media. Prior to joining Careem, she worked in management consulting at McKinsey and in corporate strategy at JPMorgan. She also has experience as a journalist covering political, security, and social issues in Pakistan.

As VP of Careem Pay, Madiha is leading strategy development and key partnerships for Careem's fintech business and products. She envisions making Careem Pay the leading digital financial services provider in the region.

Careem Pay's mission is to provide essential financial services that simplify people's lives as part of an Everything app. The company is not trying to be a neobank, but a player that meets the daily financial needs of its users. While Careem has been facilitating payments for ride-hailing and deliveries for the past 11 years, it only became a regulated FinTech recently with the launch of its digital wallet in the UAE. The company has since launched a comprehensive suite of FinTech products, including a peer-to-peer money transfer service and international remittance starting with UAE and Pakistan as the first corridor. Careem Pay is determined to perfect its services before expanding into other corridors.

In this episode, we discuss building a fintech ecosystem in the Middle East and the challenges and opportunities that come with it. Madiha shares her insights on Careem Pay's role in shaping the region's fintech landscape and how they are working to establish industry-leading verticals but also:

• The transition from a ride-hailing brand to an everything app
• Geographic expansion plans for Careem
• The problem of diversity in fintech

Join us on this episode of Couchonomics with Arjun to learn more about the future of fintech in the Middle East and how Careem Pay is playing a pivotal role in driving innovation and growth in the industry.

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In this episode of Couchonomics, Arjun speaks with Gabrielle Inzirillo, Head of Ecosystem Development at Abu Dhabi Global Market's Financial Services Regulatory Authority (FSRA), about building a fintech ecosystem in the UAE and the challenges and opportunities that come with it.

Gabrielle previously managed a venture capital firm's EMEA fintech division, investing in early-stage startups and leading portfolio value creation. She also executed on the fintech strategy at Citi and built new financial models at Bloomberg. Gabrielle holds an M.Phil. in Technology Policy from the University of Cambridge and regularly delivers keynote sessions and panels at leading international conferences.

Abu Dhabi Global Market (ADGM) is an international financial center and free zone located on Al Maryah Island in the UAE's capital, Abu Dhabi. It has three authorities – the financial services regulator, the registration bureau, and the ADGM courts.

Gabrielle oversees the Ecosystem Development function within the FSRA of ADGM, informing its fintech and digital asset strategy through industry engagements and public consultations.

Gabrielle speaks about ADGM's ambitions for the Abu Dhabi economy and how founders can navigate the regulatory landscape of the UAE. She discusses ADGM's clientele, including some of the biggest sovereign wealth funds and fund managers in the world, and how its regulatory regime is calibrated for a highly sophisticated investor base. Gabrielle also talks about the virtual asset regulatory regime in place since 2018 and its importance for ADGM's funds.

Other topics of discussion:

· Tokenization of video games

· The application of NFTs

· Gender diversity in the UAE

Join us on this episode of Couchonomics with Arjun to learn more about building a fintech ecosystem with Gabrielle Inzirillo and the future of the financial landscape and ecosystem.

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Couchonomics with Arjun Season 02 is brought to you by our partners:

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In this episode of Couchonomics with Arjun, we had the pleasure of speaking with Sopnendu Mohanty, the Chief Fintech Officer of the Monetary Authority of Singapore (MAS). Sopnendu has been responsible for the development of regulatory policies, innovation strategies, and public good projects to enhance the competitiveness of the financial sector in Singapore. He has also played a key role in building Singapore's reputation as a leading FinTech hub.

During the episode, Sopnendu discussed how Singapore grew from an inward FinTech investment of around 20 million in 2015 to an annual investment of 4.2 billion US Dollars in 2022. He emphasized the importance of creating public programs and building partnership models with the private sector to promote innovation and growth.

Sopnendu also highlighted the non-negotiables in MAS's engagement with FinTechs, such as consumer protection, AML & KYC rules, and cybersecurity. He stressed the need for banks to adopt a "Consumer First" approach to stay relevant and the role of public infrastructure in creating a safe environment for FinTechs and banks to collaborate and experiment.

Additional topics discussed in the episode include:

• Sopnendu's key achievements at MAS

• His views on the future of Crypto, CBDC's, digital assets, and tokenization

• Co-operation with regulators

In conclusion, this episode of Couchonomics with Arjun offers valuable insights into how Singapore has become a world-class FinTech hub and the role of regulatory policies, innovation strategies, and public good projects in driving growth and competitiveness in the financial sector. Sopnendu Mohanty's expertise and experience make this episode a must-watch for anyone interested in FinTech and innovation.

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In the latest episode of Couchonomics with Arjun, the guest is Navin Gupta, the Managing Director of South Asia and MENA at Ripple. Ripple is a blockchain company that provides enterprise-grade solutions for faster, more transparent, and more cost-effective financial services. Navin has extensive experience in the financial industry and is responsible for expanding Ripple's presence in South Asia and the Middle East.

Ripple's mission is to enable a world where value moves as seamlessly as information flows today—an Internet of Value. Ripple's payment solutions are designed to provide faster, cheaper, and more secure cross-border payments than traditional financial services. Ripple uses XRP, a payment settlement system and currency exchange network that can process transactions globally. By using XRP, cross-border payments can become fast and efficient with zero Nostro account balances required.

Navin explains that the blockchain and crypto market has faced the challenge of big money coming in too early, leading to a vast majority of projects without an actual use-case. However, Navin sees massive adoption of blockchain technology in payment industry and gaming. The only thing needed is regulatory clarity, that essentially digital assets or cryptos can essentially be used. Navin also sees big potential in CBDCs, which can solve challenges in the public sector.

Navin also speaks about:

• The importance of interoperability and collaboration among different blockchains, as well as the role of blockchain in financial inclusion.

• He explains that blockchain technology can provide access to financial services for millions of people who are currently unbanked or underbanked.

• Navin also discusses the importance of sustainability in the crypto and blockchain industry

In conclusion, Navin Gupta's insights on Ripple's solutions for cross-border payments and the future of blockchain provide a comprehensive understanding of the potential of blockchain technology in the financial industry. Ripple's use of XRP is an innovative solution to the challenges of cross-border payments, and Navin's vision for the industry's future is insightful and informative. As blockchain technology continues to grow and evolve, Ripple is poised to be a key player in shaping the future of financial services.

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Welcome to another episode of Couchonomics with Arjun. In this episode, we have a special guest, Tram Anh Nguyen, Co-Founder of CFTE - Centre for Finance, Technology and Entrepreneurship. Tram Anh has an impressive professional background in the finance industry, having worked with renowned institutions like Standard Chartered Bank, Dresdner Kleinwort Wasserstein, and UBS, before founding CFTE.

CFTE is an education platform that addresses the needs of finance professionals to upskill in Fintech and Digital Finance. The platform is supported by senior leaders from large institutions, universities, and startups worldwide. Tram Anh founded CFTE to fill the gap in understanding technology when it comes to finance professionals.

In this episode, Tram Anh talks about her journey from traditional financial institutions to the world of Fintech. She highlights the importance of learning about technology that powers the ecosystem for future Fintech entrepreneurs and officers to create solutions to the industry's problems. Tram Anh emphasizes the need to learn about local regulations and rules and assist regulators and policymakers in creating a more balanced and prosperous ecosystem.

Tram Anh also speaks about:

• The importance of going on the ground, understanding local regulations, and having a diverse team to create a more balanced and inclusive ecosystem.

• The diversity path that CFTE is taking, having achieved a 50/50 male/female ratio.

• Need to understand, not necessarily the technology behind this FinTech revolution, but the application of these technologies in the financial eco-system

In conclusion, this episode of Couchonomics with Arjun provides valuable insights into the world of Fintech and the importance of upskilling in the rapidly changing industry. Tram Anh's journey and the mission of CFTE demonstrate the need to bridge the gap between finance and technology.

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In this episode of Couchonomics with Arjun, we welcome Peter De Caluwe, the CEO of Thunes, a global payments network that enables cross-border payments from 130 countries. Peter shares with us how Thunes is revolutionizing the way international payments are made, making them faster, easier, and more affordable. Thunes is focused on remittance companies, payroll providers, and the travel industry, but Peter emphasizes that anyone who does international payments is a potential Thunes customer.

Peter discusses how Thunes is working to solve the challenges of cross-border payments, such as regulatory frameworks in different countries. He highlights the importance of following regulations for each country they operate in and the creative solutions they have to come up with to deliver their promise of making cross-border transactions cheaper and faster.

With its innovative technology and strategic partnerships with financial institutions across the globe, Thunes is making a significant impact in the emerging markets. Peter believes that Thunes can fix a big problem by bringing efficiencies into the sector, especially since billions of dollars are being sent out of the UAE every year.

Peter also speaks about his other company, DT One, a global B2B digital micropayments platform powering cross-border transfers of mobile top-ups, gift cards, and gaming pins. He explains how DT One offers a rewards program that helps increase customer loyalty and retention.

Overall, this episode offers an insightful conversation into the world of cross-border payments and the challenges that come with it. Peter's expertise and experience in the industry provide valuable insights into the future of international payments and the role that Thunes is playing in making it more accessible and affordable.

Additional Topics Discussed:

The importance of customer experience in the payments industry

The impact of the pandemic on the payments industry and the rise of digital payments

How Thunes is working to reduce fraud in the payments industry.

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In this episode of Couchonomics with Arjun, we welcome Noor Sweid, managing partner at Global Ventures, to share her insights on venture capital funds and the investment potential of the MENA region.

During our discussion, Noor emphasizes the importance of conducting due diligence when choosing an industry to invest in and understanding the stage of startup development it needs help with. She also shares her thoughts on the UAE being the most interesting region for investments in the near future.

Furthermore, Noor delves into the world of Web 3.0 and crypto spaces, highlighting the emergence of a new generation of creators who will be Web 3.0 natives. She explains how this will create a new ecosystem that doesn't rely on old Web 2.0 platforms, which will become obsolete.

Other topics covered in this episode include:

· The impact of the pandemic on the venture capital industry and the startups in the MENA region

· How to find the right balance between risk and reward when making investment decisions

· The importance of building strong networks and partnerships in the venture capital industry

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Couchonomics with Arjun Season 02 is brought to you by our partners:

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In this episode of Couchonomics with Arjun, we discuss how open banking and open finance are transforming the financial industry, not only in the MENA region but also globally. We'll be joined by Hisham Al-Falih, Co-Founder & CEO of Lean Technologies, as we explore the challenges, opportunities, and latest developments in the field. Tune in to find out how the MENA region is catching up with Europe and the United States in adopting open banking, and what this means for businesses and individuals looking to stay ahead of the game.

Moreover, the episode explores how open banking and open finance can help small and medium-sized enterprises (SMEs) access financial services more easily. With open banking, SMEs can access alternative financing options and connect with potential investors more efficiently. This can help SMEs overcome traditional barriers to financing and accelerate their growth, which is particularly important in the MENA region where SMEs are a major driver of economic activity.

Arjun and Hisham delve into the different types of open banking models and their benefits such as:

• Expanding the scope of open banking by including more financial services beyond traditional banking
• Creating a seamless user experience and providing them with a more comprehensive view of their finances.
• Levelling the playfield for all participants in the “open data economy”

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Jayesh Patel is the CEO of Wio Bank. Recently launched less than a year ago, Wio bank is remarkable because it targets a segment of the population that may be the most under-served in the world: micro businesses, which account for over 99% of all business activity in the world.

Jayesh is highly passionate as he discusses the evolution of banking in practical terms. He talks us through how the relationship between banks and the public has historically transformed with the advent of technology. However, customers often need to be made aware of the labor required to make these transformations possible.

Transitioning to online banking took over a decade, and implementing mobile banking also took many years of work to build the infrastructure reliably. Jayesh also discusses:

• The role of neobanks in the global economy
• Navigating the imminent slowdown in the funding cycle
• The longterm impact fintechs have had on banking

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Couchonomics with Arjun Season 02 is brought to you by our partners:

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In this episode, we take a step back from the world of finance to get a bigger picture of the way technology is influencing all of our lives. Our guide to this evolution is Dr Noah Raford, the renowned futurist and the mind behind the incredible Museum of the Future.

The first task Dr Raford is burdened with is explaining what exactly a futurist does. He describes a profession built around making sense of the variety of technological advancements constantly being made to help decision-makers make the most informed choices.

We also discuss several of the hottest topics in the tech space right now, including

• How artificial intelligence may disrupt entire political and financial systems
• A brief examination of how Twitter has changed since Elon Musk took over
• How humanity may adapt to the technologies around us sustainably

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Couchonomics with Arjun Season 02 is brought to you by our partners:

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In the second part of our unprecedented 2-Part episode, we're diving into the technical aspects that make crypto possible to understand some of its most practical use cases. One of the most glamorous uses for crypto is obviously the possibility to make and receive payments.

Dominic Longman and Nadeem Ladki explore how the relationship between crypto and fiat currencies is pushing crypto towards evolving more as an ecosystem and less as an industry in the traditional sense. We also explore a slew of other topics such as:

• How CBDCs may affect the crypto market
• The growing role of regulations in the crypto market
• Crypto as a payments solution

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Couchonomics with Arjun Season 02 is brought to you by our partners:

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Cryptocurrency has emerged as one of the most exciting investment opportunities in history. While the field is still in its nascency, multiple users have thrown their support behind this invention and have begun to find use cases that take crypto out of the abstract and into the real world. No company exemplifies this as much as Binance.

With over 150 million users around the world, Binance is the preeminent crypto exchange in the world. To explore more about what this position means in an evolving crypto landscape and perhaps even take a peek at the crystal ball, we're joined by Dominic Longman and Nadeem Ladki.

As Senior Executive Officer at Binance Abu Dhabi and the Executive Director, Head of BD & Partnerships - Europe & MENA respectively, Dominic and Nadeem explore the impact of running an exchange that has secured over 70% of the market. While many may grow complacent, Dominic assures us that the competition keeps them on their toes, innovating and inventing new ways to provide value to their customers.

In this first part of our exclusive two-part episode with Binance, Dominic and Nadeem discuss a great many things, shedding light on topics such as:

• How crypto security has evolved since the FTX revelation
• How regulation in MENA has fostered a crypto-friendly, forward-thinking culture
• An examination of how Binance's investment style differs from a private equity firm

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Couchonomics with Arjun Season 02 is brought to you by our partners:

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In this episode, we depart from our usual fintech discourse and talk about something a little more high-speed than payments. Amna Al Qubaisi is a professional race car driver who has the prestigious honour of being the first Emirati woman to race in Formula 3, as well as being one of the first women to drive in Formula E.

Joining me on this episode, Amna shares her unique experiences with being behind the wheel of a racing machine. After a little bit of nostalgic reminiscing on the days of the legends such as Schumacher, Senna, and Prost, we open up our discussion into the evolution of the modern racing world.

We discuss her background and how she ended up behind the wheel of a race car. We also examine why there aren't more women in racing like she is around the world, revealing insightful, unexpected answers. Listen now to also find out:

• Some of the challenges unique to being a woman in F1
• What corporations can do to see more women in F1
• How technology has influenced F1 over the years vs driver skill

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Couchonomics with Arjun Season 02 is brought to you by our partners:

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Leila Hurstel might have the coolest job title ever as the Chief Metaverse Officer at Verse Estate, but today she wears the title of guest on Couchonomics. Settling comfortably into the famous couch, Leila shares a brief overview of her time spent studying fintech at Harvard before pioneering the AllStarsWomen DAO.

Leila shares how the decentralized autonomous organization arose out of a deep desire to transform society, and how blockchain technology enables her to do that with a committed, dedicated community. Leila describes how community is key to many of the futuristic projects in the works, including the metaverse.

Regulation for the metaverse is still massively behind the curve, and in many ways, this represents the underdeveloped metaverse environment. However, Leila is quick to point out that this represents a massive potential for growth more than anything, and many companies have begun to recognize it.

Major corporations such as Gucci and Nike have taken to the metaverse for a more immersive experience, Leila explains. and the numbers indicate a massive underlying demand for the product, as up to 21 million people have actively interacted with the metaverse. Although the metaverse is, in many ways, still restricted to floating heads and half-bodies, Leila believes that this simply signals how early the market is in its ambitious development cycle. Leila points to interoperability as one of the main building blocks that will form the foundation of the metaverse.

Decentralization, distinctions from web 3.0 and much more: Leila gives a complete tour of everything you need to know about the fledgling metaverse.

Listen to the full episode now to discover how:

• Companies are making the jump into the Metaverse and how this will fuel the growth of the metaverse (05:00-15:00)
• The metaverse differs from web 3.0, and how the user-centric approach of web 3.0 will redefine modern instant communication (15:00-25:00)
• The metaverse is truly a multiverse. We also explore real-world applications of the metaverse, including digital twins and much more. (25:00-35:00)

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Couchonomics with Arjun Season 02 is brought to you by our partners:

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Couchonomics is back! For our inaugural episode of Season 02 we're examining the Buy Now, Pay Later model with Mr. Buy Now, Pay Later himself, Hosam Arab: Co-Founder and CEO of Tabby.

Buy Now, Pay Later has been an exciting sector to watch. Just a few years ago many viewed it as the golden child of the embedded finance space and now just as many people view it as an objective failure. Hosam believes the truth is more nuanced.

According to Hosam, BNPL brings tremendous value to the right markets, but the model is not a panacea that can be blindly applied to any scenario. By dutifully serving their customer base in MENA, Hosam describes how Tabby has managed to avoid many common BNPL pitfalls to ascend to a leader in the region with over 3 million customers and 5,000 businesses using their services.

In this episode, Hosam also reveals:

• The demand for BNPL in regions such as the UAE, Egypt, and Saudi Arabia
• A possible source for a lot of the negativity thrown towards BNPL services
• How does a BNPLs' risk appetite compare to traditional lenders such as banks

Couchonomics with Arjun Season 02 is brought to you by our partners:

• Adyen
• ToYou
• Visa
• Geidea
• M2P

Find us on our social media platforms:

• Arjun's LinkedIn
• CCN LinkedIn
• Instagram
• Twitter
• TikTok

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch.

Follow 'Couchonomics with Arjun Singh' on any app you listen to podcasts and subscribe to Couchonomics YouTube channel

Our website 👉 https://bit.ly/3jk7UH0

Couchonomics with Arjun Season 02 is brought to you by our partners:

• Adyen https://www.adyen.com/
• ToYou https://toyou.io/ar
• Visa https://ma.visamiddleeast.com/
• Geidea https://geidea.net/
• M2P https://m2pfintech.com/

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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Are you ready for Season 02 of Couchonomics? Building on the impressive momentum we managed to achieve in Season 01, we're diving even deeper into the world of finance and technology.

The way the world does finance is changing, and in Season 02 we're taking a closer look at some of the changes that will define the way we spend money in the future. What makes this time so exciting is the uncertainty and innovation hanging in the air.

Explore how banks intend to keep pace with our rapidly changing world using inventions such as central bank decentralized currencies, cooperating with founders of inventive fintechs to offer embedded finance, banking as a service, and much more.

Find out the answer to these questions and so much more on Couchonomics where we meet with innovators and regulators in the space to create a vivid illustration of the rapidly evolving financial services industry.

Our website 👉 https://bit.ly/3jk7UH0

Couchonomics with Arjun Season 02 is brought to you by our partners:

• Adyen https://www.adyen.com/
• ToYou https://toyou.io/ar
• Visa https://ma.visamiddleeast.com/
• Geidea https://geidea.net/
• M2P https://m2pfintech.com/

Find us on our social media platforms:

• Arjun's LinkedIn https://www.linkedin.com/in/arjunvirsingh/
• CCN LinkedIn https://www.linkedin.com/showcase/couchonomics-with-arjun-singh/
• Instagram https://www.instagram.com/couchonomics/
• Twitter https://twitter.com/Arjun_Vir_Singh?s=20
• TikTok https://www.tiktok.com/@couchonomics

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

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Couchonomics kicks off its Amsterdam Special with the Chief Commercial Officer at Adyen, Roelant Prins.

Having led a career in fintech for over 20 years, Roelant has personally experienced the rapid development of the sector. He worked with the Royal bank of Scotland in early 2000 before moving on to head numerous leadership and management roles in payments technology. Roelant has been a speaker on major platforms such as Money 20/20 Asia, Vivatech 2019 & 2022.

In this special episode recorded in Adyen offices in Amsterdam, Roelant talks us through the evolution of commerce and fintech. He describes how the two have slowly merged over the years under a concept known as “unified commerce”.

Roelant also shares how Adyen has positioned itself as an industry leader, not just in the payments space, but in the financial technology sector.

Other topics discussed include:

● The fine, but vital distinction between multichannel commerce and unified commerce

● The concept of invisible payments and how that may be achieved

● Adyen’s expansion in coming years.

Timeline

00:00— Introduction

03:00— Unified Commerce

09:00— Digitization is The Future

15:00— Adyen’s Expansion Beyond Payments

21:00— Choosing the Right Customers

27:00— Leaping into Issuing

33:00— What Makes the Middle East Unique

39:00— Conclusion

Adyen: https://www.adyen.com/

The Season 2 of Couchonomics is coming soon, so stay tuned!

Follow 'Couchonomics with Arjun Singh' on any app you listen to podcasts.

Check out Couchonomics website for all new updates: www.couchonomics.com

HOST

Based in Dubai, Arjun is actively engaged with the Fintech & Start-up ecosystem across the MENA Region and beyond- as a passive investor, an advisory board member and as a commentator on the rapidly evolving scene.

FINTECH NEWS

Subscribe to Arjun's LinkedIn newsletter Couchonomics Crunch to receive daily interesting news from the world of Fintech, DeFI, Crypto and beyond: www.linkedin.com/newsletters/6899436665924837377/

PARTNERS

Couchonomics with Arjun Singh is brought to you by our partners from:

Adyen, a reliable end-to-end payments solution that enables businesses to turn payments into a strategic growth driver:

https://www.adyen.com/

Connect with Couchonomics:

Website
https://www.couchonomics.com/

Twitter
https://twitter.com/Arjun_Vir_Singh

Instagram
https://www.instagram.com/couchonomics/

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https://www.linkedin.com/in/arjunvirsingh/

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When Dr Bernd van Linder attained his PhD in artificial intelligence over 20 years ago, the field was viewed as intensely academic with few practical applications. Not desiring to pursue an academic career, Dr Van Linder entered the world of finance in the early 2000s. Over his 20 plus year career he has slowly worked his way to CEO of Commercial Bank of Dubai.

In his new position, Dr Van Linder is excited to drive innovation and change in the region by expanding how banks view their competition. As consumers become conditioned to interfaces from some of the world’s biggest tech companies, they begin to expect that same level of ease and connection when it comes to dealing with their banks. Dr van Linder believes that the future will see an explosion of banks applying digital innovation across all levels, and he is focused on optimising the process from end to end.

Dr van Linder also shares his views on

• How decentralized finance will change the world of banking
• The importance of seeking talent beyond the banking industry
• A few differences between banking in Europe and banking in the UAE

Timeline

00:00 – Introduction

04:00 – Practical Applications of AI in Banking

10:00 – The War for Talent

19:00 – Ideas Accelerated by Covid

33:00 – Serving the Under-served

41:00 – Conclusion

Follow 'Couchonomics with Arjun Singh' on any app you listen to podcasts.

Check out Couchonomics website for all new updates:

www.couchonomics.com

HOST

Based in Dubai, Arjun is actively engaged with the Fintech & Start-up ecosystem across the MENA Region and beyond- as a passive investor, an advisory board member and as a commentator on the rapidly evolving scene.

FINTECH NEWS

Subscribe to Arjun's LinkedIn newsletter Daily Fintech Crunch to receive daily interesting news from the world of Fintech, DeFI, Crypto and beyond:

https://www.linkedin.com/newsletters/6899436665924837377/

PARTNERS

Couchonomics with Arjun Singh is brought to you by our

partners from:

Adyen, a reliable end-to-end payments solution that enables businesses to turn

payments into a strategic growth driver:

https://www.adyen.com/

LuLu Financial Group, a global financial services provider headquartered in Abu Dhabi

and operating in 11 countries:

https://www.lulufin.com/

M2P, Asia’s leading payment infrastructure company that enables businesses of any

scale to embed financial products:

https://m2pfintech.com/

Connect with Couchonomics:

Website

https://www.couchonomics.com/

TikTok

https://vm.tiktok.com/ZMLQYGHoa/

Instagram

https://www.instagram.com/couchonomics/

LinkedIn

https://www.linkedin.com/in/arjunvirsingh/

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Madhusudanan and Prabhu Rangarajan are the Co-founders of M2P, an innovative, India-born fintech company with ambitious expansion goals for Dubai. However, word on the streets suggests that the party is over for startups, fintech companies included. Madhu and Prabhu start the conversation by highlighting what sets them apart from other fintech companies and offer valuable insights into which fintech companies have what it takes to make it through this difficult time.

Innovation is one thing; sustainable innovation is a whole other story. Madhu’s unique lens into the true function of fintech suggests that the problem that fintech is solving, actually is inclusion. Prabhu offers the interesting perspective that smaller players possess the drive to go deeper, as opposed to broader, enabling them to occupy an advantaged position in the market.

We also discuss:

· Is the party really over for fintech startups or did it just move?

· Will incumbents emerge stronger than ever from the recent fintech bubble?

· What does M2P bring to MENA?

Timeline

00:00 – Introduction

03:00 – Valuation reset or something more foundational?

10:00 – Outlasting the downward spiral

18:00 – How embedded finance might grow in MENA

24:00 – Big banks, small banks and each of their roles

30:00 - Motivations for international expansion

36:00 – Democratizing financial access

41:00 – Conclusion

Follow 'Couchonomics with Arjun Singh' on any app you listen to podcasts.

Check out Couchonomics website for all new updates:

www.couchonomics.com

HOST

Based in Dubai, Arjun is actively engaged with the Fintech & Start-up ecosystem across the MENA Region and beyond- as a passive investor, an advisory board member and as a commentator on the rapidly evolving scene.

FINTECH NEWS

Subscribe to Arjun's LinkedIn newsletter Daily Fintech Crunch to receive daily interesting news from the world of Fintech, DeFI, Crypto and beyond:

https://www.linkedin.com/newsletters/6899436665924837377/

PARTNERS

Couchonomics with Arjun Singh is brought to you by our

partners from:

Adyen, a reliable end-to-end payments solution that enables businesses to turn

payments into a strategic growth driver:

https://www.adyen.com/

LuLu Financial Group, a global financial services provider headquartered in Abu Dhaband operating in 11 countries:

https://www.lulufin.com/

M2P, Asia’s leading payment infrastructure company that enables businesses of any

scale to embed financial products:

https://m2pfintech.com/

Connect with Couchonomics:

Website

https://www.couchonomics.com/

TikTok

https://vm.tiktok.com/ZMLQYGHoa/

Instagram

https://www.instagram.com/couchonomics/

LinkedIn

https://www.linkedin.com/in/arjunvirsingh/

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Mihai Draghici joins us on the couch from a busy day on the road. Travelling all the way from Bucharest, he brings with us the exciting story of how the idea for his innovative FinTech company, PayByFace, came about. Coming from an engineering background, Mihai had the bright idea that facial recognition could prove to be a convenient, safe payment system. After all, you never forget your face at home.

Mihai paints a picture of how transactions will be affected by facial recognition payments. This reveals Mihai’s vision for the company: he believes there is a way for transactions to transcend payments. With some effort and attention, Mihai hopes to gamify payments and turn them into a fun, enjoyable experience.

Mihai also shares with us

· Why he believes facial recognition will out-perform other biometrics

· Applications of facial recognition beyond commerce

· How to face privacy concerns around facial recognition

Timeline

00:00 – Introduction

03:00 – What sets facial recognition technology apart

10:00 – Opportunities for facial recognition

16:00 – Data and privacy concerns

22:00 – Facial recognition in MENA

26:00 - Conclusion

Follow 'Couchonomics with Arjun Singh' on any app you listen to podcasts.

Check out Couchonomics website for all new updates:

www.couchonomics.com

HOST

Based in Dubai, Arjun is actively engaged with the Fintech & Start-up ecosystem across the MENA Region and beyond- as a passive investor, an advisory board member and as a commentator on the rapidly evolving scene.

FINTECH NEWS

Subscribe to Arjun's LinkedIn newsletter Daily Fintech Crunch to receive daily interesting news from the world of Fintech, DeFI, Crypto and beyond:

https://www.linkedin.com/newsletters/6899436665924837377/

PARTNERS

Couchonomics with Arjun Singh is brought to you by our

partners from:

Adyen, a reliable end-to-end payments solution that enables businesses to turn

payments into a strategic growth driver:

https://www.adyen.com/

LuLu Financial Group, a global financial services provider headquartered in Abu Dhabi

and operating in 11 countries:

https://www.lulufin.com/

M2P, Asia’s leading payment infrastructure company that enables businesses of any

scale to embed financial products:

https://m2pfintech.com/

Connect with Couchonomics:

Website

https://www.couchonomics.com/

TikTok

https://vm.tiktok.com/ZMLQYGHoa/

Instagram

https://www.instagram.com/couchonomics/

LinkedIn

https://www.linkedin.com/in/arjunvirsingh/

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The Global P2P Payment Market Size accounted for USD 1,872 Billion in 2021 and is estimated to achieve a market size of USD 9,135 Billion by 2030.

The P2P payments market is a very fragmented market. Important players either acquire new rivals or combine with them. The others invest significant money in research and development initiatives. These initiatives lead to market growth for P2P payments and technological advancements, updates, and new P2P payment capabilities.

That is why, we are delighted, to present to you the conversation about the possibilities of P2P payments with Andrew Gold and Faisal Toukan, two-thirds of a trio that started Ziina, the UAE’s first peer-to-peer payment app.

Andrew is Co-Founder and Head of Engineering at Ziina with Apple and Coinbase on his belt as his previous emprises. Together with Faisal Toukan, Co-Founder & CEO at Ziina, they explained why they believe that their model of P2P payments, which focused on the social component is a winning formula.

Faisal provided for us, in this episode of Couchonomics, his overview of the MENA ecosystem and p2p players that are here to stay.

Jump in and get to know:

• What Ziiina has to offer that no other p2p payment solution provider does?

• Is it worth expanding p2p to p2m?

• Is there a place for crypto in the P2P space?

Timeline:

00:00 – Intro

01.16 – The beginnings of Ziina

07.17 – From P2P to P2M and beyond

13.58 – Competition in the P2P payment solution segment

25.16 – Let’s talk crypto

37.31 - Is there a place for crypto in P2P?

Follow 'Couchonomics with Arjun Singh' on any app you listen to podcasts.

Check out Couchonomics website for all new updates: www.couchonomics.com

HOST

Based in Dubai, Arjun is actively engaged with the Fintech & Start-up ecosystem across the MENA Region and beyond - as a passive investor, an advisory board member and as a commentator on the rapidly evolving scene.

FINTECH NEWS

Subscribe to Arjun's LinkedIn newsletter Daily Fintech Crunch to receive daily interesting news from the world of Fintech, DeFI, Crypto and beyond: https://www.linkedin.com/newsletters/6899436665924837377/

PARTNERS

Couchonomics with Arjun Singh is brought to you by our partners from:

Adyen, a reliable end-to-end payments solution that enables businesses to turn payments into a strategic growth driver: https://www.adyen.com/

LuLu Financial Group, a global financial services provider headquartered in Abu Dhabi and operating in 11 countries: https://www.lulufin.com/

M2P, Asia’s leading payment infrastructure company that enables businesses of any scale to embed financial products: https://m2pfintech.com/

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Investing has often been viewed as an expensive, costly process that only a privileged few can access. But as technology evolves and grows, companies like Baraka are finding increasingly creative ways to give people access to financial markets.

Founder and CEO of Baraka, Feras Jalbout, joins us for a lively discussion that sparks off with a bit of a hot-take. Since Baraka charges no commission, its clients often engage in online trading, a practice that some have described as part-gambling and part-gaming. However, Feras sees things entirely differently.

For Feras, the investment philosophy he hopes will shine through his company is long-term appreciation over short-term gain. Although this is the case, he also believes that it the priority is to give people access to markets, and the wealth-app accomplishes precisely that.

Our conversation takes us through some other hot topics in the FinTech space, such as:

• Have Baraka considered an expansion into Saudi Arabia?
• Zero-commission or robot advisory; what drove Feras’ choice?
• What role does education play on their platform?

Timeline:

00:00 – Introduction

06:02 – Zero commission V. robot advisory

12:17 – Fractional shares and retail investors

19:41 – How will Baraka carve a niche for itself?

25:10 – Surviving the stock market

31:10 – Is Crypto the future?

39:01 – Conclusion

Follow 'Couchonomics with Arjun Singh' on any app you listen to podcasts.

Check out Couchonomics website for all new updates:

www.couchonomics.com

HOST

Based in Dubai, Arjun is actively engaged with the Fintech & Start - up ecosystem across the MENA Region and beyond - as a passive investor, an advisory board member and as a commentator on the rapidly e volving scene.

FINTECH NEWS

Subscribe to Arjun's LinkedIn newsletter Daily Fintech Crunch to receive daily interesting news from the world of Fintech, DeFI, Crypto and beyond:

http s://www.linkedin.com/newsletters/6899436665924837377/

PARTNERS

Couchonomics with Arjun Singh is brought to you by our

partners from:

Adyen, a reliable end - to - end payments solution that enables businesses to turn

payments into a strategic growth driver:

https://www.adyen.com/

LuLu Financial Group, a global financial services provider headquartered in Abu Dhabi

and operating in 11 countries:

https://www.lulufin.com/

M2P, Asia’s leading payment infrastructure company that enables businesses of any

scale to embed financial products:

https://m2pfintech.com/

Connect with Couchonomics:

Website

https://www.couchonomics.com/

TikTok

https://vm.tiktok.com/ZMLQYGHoa/

Instagram

https://www.instagram.com/couchonomics/

LinkedIn

https://www.linkedin.com/in/arjunvirsingh/

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Abdullah Al-Othman joins us on the couch today to share his views on an ever-evolving fintech landscape. As the founder of Geidea, one of Saudi Arabia’s leading fintech companies, Abdullah’s first order of business is to solve a small mystery for us: what does the name Geidea mean?

Once that’s cleared up, Abdullah shares his view on what makes fintech in Saudi Arabia unique from other places in the world. His insightful opinion sheds light on the disappointing scores of copycats currently flooding the market, as well as many other interesting topics such as:

· The evolving relationship between banks and fintech companies in the region

· New gaps that being identified as future opportunities

· Tailoring solutions for businesses at different scales

Time Line

00:00 – Introduction

03:10 – Rules of the game

09:40 – Banks and legislation

15:44 – The growth of Geidea

20:47 – Key differences between Saudi Arabia and the UAE

31:13 – Constant learning and adaptation

41:11 – Finding the perfect match for every role

51:55 – Cash ain’t king

58:17 – Conclusion

Follow 'Couchonomics with Arjun Singh' on any app you listen to podcasts.

Check out Couchonomics website for all new updates:

www.couchonomics.com

HOST

Based in Dubai, Arjun is actively engaged with the Fintech & Start - up ecosystem across the MENA Region and beyond - as a passive investor, an advisory board member and as a commentator on the rapidly e volving scene.

FINTECH NEWS

Subscribe to Arjun's LinkedIn newsletter Daily Fintech Crunch to receive daily interesting news from the world of Fintech, DeFI, Crypto and beyond:

http s://www.linkedin.com/newsletters/6899436665924837377/

PARTNERS

Couchonomics with Arjun Singh is brought to you by our

partners from:

Adyen, a reliable end - to - end payments solution that enables businesses to turn

payments into a strategic growth driver:

https://www.adyen.com/

LuLu Financial Group, a global financial services provider headquartered in Abu Dhabi

and operating in 11 countries:

https://www.lulufin.com/

M2P, Asia’s leading payment infrastructure company that enables businesses of any

scale to embed financial products:

https://m2pfintech.com/

Connect with Couchonomics:

Website

https://www.couchonomics.com/

TikTok

https://vm.tiktok.com/ZMLQYGHoa/

Instagram

https://www.instagram.com/couchonomics/

LinkedIn

https://www.linkedin.com/in/arjunvirsingh/

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In terms of fintech adoption, Egypt has been a little slow on the take compared to other nations. However, companies like ValU are changing that.

As innovative companies and dynamic leaders forge a path to the future, Egypt emerges as one of the most exciting regions on the fintech map. Our guest and guide today is Walid Hassouna, founder and CEO of ValU. He breaks down some of the key factors driving Egypt’s recent fintech growth.

As regulations and infrastructure start catching up to technical ability in Egypt, fintech starts showing its utility. Companies like ValU are redefining the way people think about money and credit. In this episode, we explore how this marked transition has affected the region, as well as some of the factors that have influenced it. Our conversation takes us far and wide, exploring topics such as:

• How regulations have reacted to changing demands

• Evolutions in consumer behaviour

• Key innovations along the way.

Timeline
00:00 - Introduction
03:00 - Genesis of ValU
09:00 - Standout functions of ValU
16:30 - Navigating nuanced debt challenges in Egypt
22:24 - The merchant challenge
31:00 - The future of ValU
36:00 - Conclusion

Follow 'Couchonomics with Arjun Singh' on any app you listen to podcasts.

Check out Couchonomics website for all new updates:
www.couchonomics.com

HOST

Based in Dubai, Arjun is actively engaged with the Fintech & Start-up ecosystem across the MENA Region and beyond- as a passive investor, an advisory board member and as a commentator on the rapidly evolving scene.

FINTECH NEWS

Subscribe to Arjun's LinkedIn newsletter Daily Fintech Crunch to receive daily interesting news from the world of Fintech, DeFI, Crypto and beyond:

https://www.linkedin.com/newsletters/6899436665924837377/

PARTNERS

Couchonomics with Arjun Singh is brought to you by our

partners from:

Adyen, a reliable end-to-end payments solution that enables businesses to turn

payments into a strategic growth driver:

https://www.adyen.com/

LuLu Financial Group, a global financial services provider headquartered in Abu Dhabi

and operating in 11 countries:

https://www.lulufin.com/

M2P, Asia’s leading payment infrastructure company that enables businesses of any

scale to embed financial products:

https://m2pfintech.com/

Connect with Couchonomics:

Website

https://www.couchonomics.com/

TikTok

https://vm.tiktok.com/ZMLQYGHoa/

Instagram

https://www.instagram.com/couchonomics/

LinkedIn

https://www.linkedin.com/in/arjunvirsingh/

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NFTs are a hot topic very few people really understand. For many of us, our first time hearing of NFTs was in 2021 when they suddenly seemed to be a digital gold mine. However, for the patient community that diligently crafts the famed images, NFTs represent an opportunity for profound and fundamental transformation.

Kristel Bechara joins us on Couchonmics to share her view as the rising star of the Middle Easter art world. Just a few short years ago, Kristel was a budding artist selling her physical works through digital channels. One day, a friend approached her and introduced her to the concept of NFTs. After doing some initial research, Kristel quickly decided to invest her own talents into the NFT space, and she hasn’t looked back since.

In our conversation, Kristel takes us through:

• Key criteria for evaluating long-term NFT value
• The benefit of 1-of-1s compared to collections
• How NFTs can transform ownership, protect artist rights and open up new revenue streams

Time Stamp

00:00— Introduction

02:38— How Kristel Discovered NFTs

10:00— How to evaluate NFT value long-term

18:46— How NFTs can benefit artists around the world

27:00— NFTs from an investor’s perspective

31:00— Conclusion

Follow 'Couchonomics with Arjun Singh' on any app you listen to podcasts.

Check out Couchonomics website for all new updates:

www.couchonomics.com

HOST

Based in Dubai, Arjun is actively engaged with the Fintech & Start - up ecosystem across the MENA Region and beyond - as a passive investor, an advisory board member and as a commentator on the rapidly e volving scene.

FINTECH NEWS

Subscribe to Arjun's LinkedIn newsletter Daily Fintech Crunch to receive daily interesting news from the world of Fintech, DeFI, Crypto and beyond:

http s://www.linkedin.com/newsletters/6899436665924837377/

PARTNERS

Couchonomics with Arjun Singh is brought to you by our

partners from:

Adyen, a reliable end - to - end payments solution that enables businesses to turn

payments into a strategic growth driver:

https://www.adyen.com/

LuLu Financial Group, a global financial services provider headquartered in Abu Dhabi

and operating in 11 countries:

https://www.lulufin.com/

M2P, Asia’s leading payment infrastructure company that enables businesses of any

scale to embed financial products:

https://m2pfintech.com/

Connect with Couchonomics:

Website

https://www.couchonomics.com/

TikTok

https://vm.tiktok.com/ZMLQYGHoa/

Instagram

https://www.instagram.com/couchonomics/

LinkedIn

https://www.linkedin.com/in/arjunvirsingh/

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Around the world, open banking adoption is rising steadily, embraced by a growing number of banks and fintech companies providing innovative financial products and tapping into new market segments. As of the end of Q2 2022, global research identified 1,578 banking platforms that are making APIs available, representing an annual growth of 8%.

To identify all the advantages and the challenges this growing industry faces, we have Mo Aziz on the couch, Co-Founder and CEO of Pluto. Pluto is open banking service that is offering a unique Pluto Corporate Card, that is revolutionizing corporate spending.

Mo highlighted importance of not being too disruptive when offering a new technology to SME’s and respecting their ways of doing business.

Join us in this interesting conversation about open banking and learn more about:

• Benefits of Pluto card for SME
• Pluto’s planned expansion in the MENA region
• An overview of the open banking sector in MENA
• Importance of chemistry between the co-founders when starting the new business

Check out Pluto: https://www.plutocard.io/

Timeline:

00:00 – Intro

01:13 – Introducing Mo Aziz

02:01 – Beginning and ending of DAPI

04:21 – Overview of open banking in the MENA region

08:52 – Pluto Corporate Spend

14:07 – Co-founders & Ramp investment

18:32 – Strategy targeting SME’s

24:51 – Dealing with competition

Follow 'Couchonomics with Arjun Singh' on any app you listen to podcasts.

Check out Couchonomics website for all new updates: www.couchonomics.com

HOST

Based in Dubai, Arjun is actively engaged with the Fintech & Start-up ecosystem across the MENA Region and beyond - as a passive investor, an advisory board member and as a commentator on the rapidly evolving scene.

FINTECH NEWS

Subscribe to Arjun's LinkedIn newsletter Daily Fintech Crunch to receive daily interesting news from the world of Fintech, DeFI, Crypto and beyond: https://www.linkedin.com/newsletters/6899436665924837377/

PARTNERS

Couchonomics with Arjun Singh is brought to you by our partners from:

Adyen, a reliable end-to-end payments solution that enables businesses to turn payments into a strategic growth driver: https://www.adyen.com/

LuLu Financial Group, a global financial services provider headquartered in Abu Dhabi and operating in 11 countries: https://www.lulufin.com/

M2P, Asia’s leading payment infrastructure company that enables businesses of any scale to embed financial products: https://m2pfintech.com/

View Details

Fintech is an ecosystem in a state of ordered chaos. The rules change just as frequently as the consumers do, and businesses must adapt to both or be squeezed out of profits. In this competitive, fast-paced environment, each player focuses on securing their own interest. While this leads to phenomenal individual success stories, some leading figures believe it is important to keep an eye on the big picture.

Enter our guest today, Nameer Khan, Chairman and Founding Board Member of the MENA Fintech Association. Drawing on the support of an impressive panel of local and global partners, the Association has quickly proven itself as an integral force in the vitalization of the fintech world.

Tune into this episode where we discuss topics such as:

• Digital penetration in the MENA region
• Finding and recruiting top-level talent
• The Association’s role in the financial ecosystem

Timeline
00:00 - Introduction
02:30 - The History of the Mena Fintech Association
09:02 - Bridging the Talent Gap
15:05 - Challenging the incumbents’ mindset
21:21 - Breaking down Gen-Z and Gen-Y consumers: The Generation of Purpose
26:52 - Conclusion

Follow 'Couchonomics with Arjun Singh' on any app you listen to podcasts.
Check out Couchonomics website for all new updates: www.couchonomics.com
HOST
Based in Dubai, Arjun is actively engaged with the Fintech & Start-up ecosystem across the MENA Region and beyond - as a passive investor, an advisory board member and as a commentator on the rapidly evolving scene.
FINTECH NEWS
Subscribe to Arjun's LinkedIn newsletter Daily Fintech Crunch to receive daily interesting news from the world of Fintech, DeFI, Crypto and beyond: https://www.linkedin.com/newsletters/6899436665924837377/
PARTNERS
Couchonomics with Arjun Singh is brought to you by our partners from:
Adyen, a reliable end-to-end payments solution that enables businesses to turn payments into a strategic growth driver: https://www.adyen.com/
LuLu Financial Group, a global financial services provider headquartered in Abu Dhabi and operating in 11 countries: https://www.lulufin.com/
M2P, Asia’s leading payment infrastructure company that enables businesses of any scale to embed financial products: https://m2pfintech.com/

Connect with Couchonomics:
Website https://www.couchonomics.com/
TikTok https://vm.tiktok.com/ZMLQYGHoa/
Instagram https://www.instagram.com/couchonomics/
LinkedIn https://www.linkedin.com/in/arjunvirsingh/

View Details

Many of us never consider money as a serious concept until later on in our lives. By then, the damage has been done: unnecessary purchases and loans have wormed their way into the wallet.

Smeetha Ghosh-Jorgensen, CEO and co-founder of Cashee, knows these dangers all too well. In this episode, she takes us through how Cashee will encourage teenagers to be mindful of the ways they use money.

In today’s modern world where physical currency is slowly being phased out by online purchases and even cryptocurrencies, how do you communicate the value of money to a teenager?

Tune into this exciting episode to find this out and a whole lot more, such as:
- Getting parents to buy in on FinTech over banks
- Retaining teenager brand loyalty
- Identifying potential expansion regions

Check out Cashee: https://www.cashee.com/

Follow 'Couchonomics with Arjun Singh' on any app you listen to podcasts.

Check out Couchonomics website for all new updates: www.couchonomics.com

HOST
Based in Dubai, Arjun is actively engaged with the Fintech & Start-up ecosystem across the MENA Region and beyond - as a passive investor, an advisory board member and as a commentator on the rapidly evolving scene.

FINTECH NEWS

Subscribe to Arjun's LinkedIn newsletter Daily Fintech Crunch to receive daily interesting news from the world of Fintech, DeFI, Crypto and beyond: https://www.linkedin.com/newsletters/6899436665924837377/

PARTNERS

Couchonomics with Arjun Singh is brought to you by our partners from:

Adyen, a reliable end-to-end payments solution that enables businesses to turn payments into a strategic growth driver: https://www.adyen.com/
LuLu Financial Group, a global financial services provider headquartered in Abu Dhabi and operating in 11 countries: https://www.lulufin.com/

M2P, Asia’s leading payment infrastructure company that enables businesses of any scale to embed financial products: https://m2pfintech.com/

Connect with Couchonomics:

Website https://www.couchonomics.com/
TikTok https://vm.tiktok.com/ZMLQYGHoa/
Instagram https://www.instagram.com/couchonomics/
LinkedIn https://www.linkedin.com/in/arjunvirsingh/

View Details

In 2021, emerging venture markets in the Middle East, Africa, Pakistan and Turkey saw record-breaking activity levels in the investment space. As 2022 forges ahead, we can expect to see another year of unprecedented investment activity in these regions despite turbulence in the global markets.

Gaurav Dhar is a CEO at Marshal & MENA FinTech Association Board Member and in this, the brand new episode of the Couchonomics with Arjun, he provided an insight into the MENA financial ecosystem, especially on the angel investments market.

Gaurav also spoke about the opportunities in Saudi Arabia and Egypt and plans for Marshal as an Electronic-Payment solutions provider in the Middle East.

Join us in this interesting conversation and find out more about:

-The impact that the global crisis is having on the MENA market

-The future of the crypto-currencies

-Why Egypt is a “sleeping giant”?

Timeline:

00:00 – Intro

01:19 – Introducing Gaurav Dhar

02:28 – Angel investors in MENA

10:46 – The cause for rapid growth of angel investments

19:25 – Let’s talk about Marshal

29:39 – Do we need VISA and MasterCard in MENA?

Follow 'Couchonomics with Arjun Singh' on any app you listen to podcasts.

Check out Couchonomics website for all new updates: www.couchonomics.com

HOST

Based in Dubai, Arjun is actively engaged with the Fintech & Start-up ecosystem across the MENA Region and beyond - as a passive investor, an advisory board member and as a commentator on the rapidly evolving scene.

FINTECH NEWS

Subscribe to Arjun's LinkedIn newsletter Daily Fintech Crunch to receive daily interesting news from the world of Fintech, DeFI, Crypto and beyond: https://www.linkedin.com/newsletters/6899436665924837377/

PARTNERS

Couchonomics with Arjun Singh is brought to you by our partners from:

Adyen, a reliable end-to-end payments solution that enables businesses to turn payments into a strategic growth driver: https://www.adyen.com/

LuLu Financial Group, a global financial services provider headquartered in Abu Dhabi and operating in 11 countries: https://www.lulufin.com/

M2P, Asia’s leading payment infrastructure company that enables businesses of any scale to embed financial products: https://m2pfintech.com/

View Details

The 2020s have not been an easy time for investors. Although investing seemed to be showing signs of recovery, recent trends have seen investment into some sectors take a nose-dive. Businesses struggle to keep pace with rising interest rates, record levels of inflation, and many other seemingly overwhelming economic macro-forces. A stinging question lurks silently in the background; Will investment companies respond with a bullish approach or a bearish one?

Our guest today is Tammer Qaddumi, founding partner of VentureSouq, and he offers an answer to that question. As an equity investment platform with assets valued at $3 billion, VentureSouq has braved many hard times. Even with the war raging on and inflation at an all-time high, Tammer believes that the strongest companies can not only survive, but they can thrive.

In this conversation he shares how some of the key aspects to achieve this are to:

• Maintain a stable mindset and sooth investor anxieties
• Prioritize stability over growth and profitability
• And pick companies that can “punch a hole in the market”

Enjoy!

Timeline

00:00 – Introduction

03:00 – What's changed in venture capital?

10:50 – Investment strategies for 2021 and beyond

20:15 – Keys for venture capital success in all market conditions

27:55 – The story of VentureSouq

32:13 – Standout companies in the VentureSouq portfolio

38:00 – Web 3.0 and the Blockchain: What’s next for venture capital?

42:00 – Conclusion

Follow 'Couchonomics with Arjun Singh' on any app you listen to podcasts.

Check out Couchonomics website for all new updates: www.couchonomics.com

HOST

Based in Dubai, Arjun is actively engaged with the Fintech & Start-up ecosystem across the MENA Region and beyond - as a passive investor, an advisory board member and as a commentator on the rapidly evolving scene.

FINTECH NEWS

Subscribe to Arjun's LinkedIn newsletter Daily Fintech Crunch to receive daily interesting news from the world of Fintech, DeFI, Crypto and beyond: https://www.linkedin.com/newsletters/6899436665924837377/

PARTNERS

Couchonomics with Arjun Singh is brought to you by our partners from:

Adyen, a reliable end-to-end payments solution that enables businesses to turn payments into a strategic growth driver: https://www.adyen.com/

LuLu Financial Group, a global financial services provider headquartered in Abu Dhabi and operating in 11 countries: https://www.lulufin.com/

M2P, Asia’s leading payment infrastructure company that enables businesses of any scale to embed financial products: https://m2pfintech.com/

Connect with Couchonomics:

Website https://www.couchonomics.com/

TikTok https://vm.tiktok.com/ZMLQYGHoa/

Instagram https://www.instagram.com/couchonomics/

LinkedIn https://www.linkedin.com/in/arjunvirsingh/

View Details

MENA has made considerable economic progress over the last decade. Still, a couple of formidable challenges remain, including transforming local economies and inclusive job creation. Insurance has the potential to address these challenges and help countries in the region achieve their growth targets.

Despite these potential benefits, the insurance sector is underdeveloped in the MENA region and its growth-enhancing potential has not been sufficiently realized.

To discuss the need for disruption in the insurance sector, we have invited Ambareen Musa, Souqalmal.com Founder and CEO. She underlined the disruption that is about to happen in insurance and InsureTech and the need for government regulations that must be implemented for these changes to happen.

Join us as we discuss:
- Investment opportunities in crisis
- Equality of opportunity for women in business
- The genesis of Souqalmal

Timeline:
00:00 – Intro
01:13 – Introducing Ambareen Musa
02:13 – Are funds drying up?
09:52 – InsureTech space and it’s challenges
12:29 – The birth of Souqalmal
19:17 – Equality of opportunity for women
31:44 – Highs and lows

Check out Souqalmal: https://www.souqalmal.com/ae-en/

Follow 'Couchonomics with Arjun Singh' on any app you listen to podcasts.
Check out Couchonomics website for all new updates: www.couchonomics.com
HOST
Based in Dubai, Arjun is actively engaged with the Fintech & Start-up ecosystem across the MENA Region and beyond - as a passive investor, an advisory board member and as a commentator on the rapidly evolving scene.

FINTECH NEWS
Subscribe to Arjun's LinkedIn newsletter Daily Fintech Crunch to receive daily interesting news from the world of Fintech, DeFI, Crypto and beyond: https://www.linkedin.com/newsletters/6899436665924837377/

PARTNERS
Couchonomics with Arjun Singh is brought to you by our partners from:
Adyen, a reliable end-to-end payments solution that enables businesses to turn payments into a strategic growth driver: https://www.adyen.com/
LuLu Financial Group, a global financial services provider headquartered in Abu Dhabi and operating in 11 countries: https://www.lulufin.com/
M2P, Asia’s leading payment infrastructure company that enables businesses of any scale to embed financial products: https://m2pfintech.com/

View Details

The FinTech industry is rapidly expanding and evolving. New innovations and inventions spring up every day at every point in the financial world. In all this excitement, some segments become overlooked.

Insurance, bogged down by hundreds of years of tradition and legacy, is one of those neglected and forgotten segments. But Tanja Magas, Chief Data and Analytics Officer at Democrance, believes otherwise.

Democrance, a company initially founded to capitalize on the microinsurance market, has recently seen rapid expansion. Riding the wave of digitization brought on by the pandemic, the company has managed to double its size in the past two years. For Tanja, the secret to this success can be found in the numbers.

Other topics for this episode include:
- How digitization will transform insurance
- “The digital attacker”: a new business model for a new world
- Unlocking the hidden power of data for your business

Timeline:
00:00 — Introduction

01:38 — Creating space for innovation

07:01 — Origin and development of Democrance

13:17 — New engagement and distribution channels

23:10 — Metaverse and insurance

26:40 — Women in InsureTech

Follow 'Couchonomics with Arjun Singh' on any app you listen to podcasts.

Check out Couchonomics website for all new updates: www.couchonomics.com

HOST

Based in Dubai, Arjun is actively engaged with the Fintech & Start-up ecosystem across the MENA Region and beyond - as a passive investor, an advisory board member and as a commentator on the rapidly evolving scene.

FINTECH NEWS

Subscribe to Arjun's LinkedIn newsletter Daily Fintech Crunch to receive daily interesting news from the world of Fintech, DeFI, Crypto and beyond: https://www.linkedin.com/newsletters/...

PARTNERS

Couchonomics with Arjun Singh is brought to you by our partners from:

Adyen, a reliable end-to-end payments solution that enables businesses to turn payments into a strategic growth driver: https://www.adyen.com/

LuLu Financial Group, a global financial services provider headquartered in Abu Dhabi and operating in 11 countries: https://www.lulufin.com/
M2P, Asia’s leading payment infrastructure company that enables businesses of any scale to embed financial products:

View Details

Over the past couple of years, digital transformation has continued to accelerate across all sectors, and commerce has been no exception. Even as society is getting back to normal, with restrictions lifting and offices reopening, habits adopted during the pandemic are sustained.

Online and offline, spending has been transformed. While uncertainty and unpredictability are now expected, one thing that is clear is that the future of money is digital.

Kartik Taneja is the Executive Vice President and Head of Payments at Mashreq Bank and together we went through different digital payment solutions and tried to figure out what the future holds for each one of them.

As the Chairman of the board at Neopay, Mashreq Merchant Payment Solutions, Kartik has a unique insight into both global and local markets and he kindly shared his opinion on what we’ll experience going forward.

Join us in this interesting conversation and find out:

• Is BNPL dead or is it just going through a transformation?

• Why without regulations Crypto is doomed to stay on the fringes?

• Should we forget about the paper money?

Timeline:

00:00 – Intro

01:13 – Introducing Kartik Taneja

01:54 – Key trends in payment solutions space

14:44 – The disruption of APR

19:40 – World of B2B payments

23:09 – Blockchain and Crypto are here to stay

31:53 – Is cash no longer a king?

Follow 'Couchonomics with Arjun Singh' on any app you listen to podcasts.

Check out Couchonomics website for all new updates: www.couchonomics.com

HOST

Based in Dubai, Arjun is actively engaged with the Fintech & Start-up ecosystem across the MENA Region and beyond - as a passive investor, an advisory board member and as a commentator on the rapidly evolving scene.

FINTECH NEWS

Subscribe to Arjun's LinkedIn newsletter Daily Fintech Crunch to receive daily interesting news from the world of Fintech, DeFI, Crypto and beyond: https://www.linkedin.com/newsletters/6899436665924837377/

PARTNERS

Couchonomics with Arjun Singh is brought to you by our partners from:

Adyen, a reliable end-to-end payments solution that enables businesses to turn payments into a strategic growth driver: https://www.adyen.com/

LuLu Financial Group, a global financial services provider headquartered in Abu Dhabi and operating in 11 countries: https://www.lulufin.com/

M2P, Asia’s leading payment infrastructure company that enables businesses of any scale to embed financial products: https://m2pfintech.com/

View Details

It’s an open secret that credit, when leveraged intelligently, has the power to unlock incredible potential in your business. This is the major reason why credit is so easily accessible in many parts of the world. But, Pakistan, a nation with over 50 million active bank accounts, has been relatively slow to conform to the trend, with only 500 thousand credit cards nationwide.

Omair Ansari, the founder of ABHI, takes this surprising statistic as a sign of great opportunity in the region. Without access to credit facilities, many employees across the nation have had limited options when it comes to stretching their paycheck. Omair’s solution to this is a remarkable easy wage access system that has drawn the attention of not just employees, but even the SMMEs which hire them.

Beyond that, we also discuss other fintech topics such as:
- SME financing in general
- The Pakistani banking system and how it could better help SMEs
- Gender equality in access to funding

00:00 — Introduction
02:40 — Identifying the target market
07:30 — Developing a unique credit solution
14:45 — Navigating risk and ethical concerns
21:22 — Overcoming structural challenges
25:27 — Benefits of digitisation
32:55 — Conclusion

Follow 'Couchonomics with Arjun Singh' on any app you listen to podcasts.
Check out Couchonomics website for all new updates: www.couchonomics.com

FINTECH NEWS
Subscribe to Arjun's LinkedIn newsletter Daily Fintech Crunch to receive daily interesting news from the world of Fintech, DeFI, Crypto and beyond: https://www.linkedin.com/newsletters/...

PARTNERS
Couchonomics with Arjun Singh is brought to you by our partners from:
Adyen, a reliable end-to-end payments solution that enables businesses to turn payments into a strategic growth driver: https://www.adyen.com/
LuLu Financial Group, a global financial services provider headquartered in Abu Dhabi and operating in 11 countries: https://www.lulufin.com/
M2P, Asia’s leading payment infrastructure company that enables businesses of any scale to embed financial products:

View Details

BNPL payment industry in Africa & Middle East has seen huge growth over the last four quarters, supported by increased ecommerce penetration along with the impact of economic slowdown due to disruption caused by COVID-19 outbreak.

According to the Q4 2021 BNPL Survey, the BNPL payment industry in the region is expected to grow by 99.8% on an annual basis to reach US$ 7187.8 million in 2022!

To dig deeper into the BNPL market we invited Ibtissam Ouassif, Co-Founder & Chief Product Officer at Cashew Payments, to address all Arjun's questions about this segment.
They also spoke about Cashew's latest partnership with Mashreqbank in which Cashew has secured up to $10 million in debt and equity financing.

Join us in the conversation about the evolution of the BNPL sector and find out more about:
- Ibtissam’s view on the current and future regulations of the BNPL ecosystem
- The non-profit Ibtissam is running in order to help the refugees and immigrants
- Why we should focus on Web3 and Metaverse

Timeline:
00:00 – Intro
01:14 – Introducing Ibtissam Ouassif
02:49 – Partnering with Mashreqbank
08:05 – Shifting from BNPL to financing
16:32 – Need for regulation
21:16 – Helping the immigrants and refugees
24:51 – Web3 & Metaverse

Follow 'Couchonomics with Arjun Singh' on any app you listen to podcasts.
Check out Couchonomics website for all new updates: www.couchonomics.com
HOST
Based in Dubai, Arjun is actively engaged with the Fintech & Start-up ecosystem across the MENA Region and beyond - as a passive investor, an advisory board member and as a commentator on the rapidly evolving scene.

FINTECH NEWS
Subscribe to Arjun's LinkedIn newsletter Daily Fintech Crunch to receive daily interesting news from the world of Fintech, DeFI, Crypto and beyond: https://www.linkedin.com/newsletters/6899436665924837377/

PARTNERS
Couchonomics with Arjun Singh is brought to you by our partners from:
Adyen, a reliable end-to-end payments solution that enables businesses to turn payments into a strategic growth driver: https://www.adyen.com/
LuLu Financial Group, a global financial services provider headquartered in Abu Dhabi and operating in 11 countries: https://www.lulufin.com/
M2P, Asia’s leading payment infrastructure company that enables businesses of any scale to embed financial products: https://m2pfintech.com/

Connect with Couchonomics:
Website https://www.couchonomics.com/
TikTok https://vm.tiktok.com/ZMLQYGHoa/
Instagram https://www.instagram.com/couchonomics/
LinkedIn https://www.linkedin.com/in/arjunvirsingh/

View Details

Visa as the world leader in digital payments has a relentless commitment to innovation. It is widely considered that Visa is actually the first fintech in the world.

That is why we're so excited to have on the couch Dr. Saeeda Jaffar, Senior Vice President & Group Country Manager – GCC, Visa.

Saeeda is a chemical engineer who shifted into the fintech sector couple of years ago and in this conversation she pointed out some of the key trends in the digital payments space.

Tune in and listen Dr. Saeeda talk about:

• Her transformation from chemical engineer and a consultant to a fintech expert
• Current state of digital payments and e-commerce market
• Crypto and its role in the future of finances

Timeline:

00:00 – Intro

01:12 – Introduction

02:00 – Switch from consulting to fintech

08:01 – Fintech in the MENA region

13:01 – The end of “Fintech Party”?

17:38 – Post-pandemic trends

24:35 – Cybersecurity & sustainability

38:00 – B2B and Visa

Follow 'Couchonomics with Arjun Singh' on any app you listen to podcasts.

Check out Couchonomics website for all new updates: www.couchonomics.com

HOST

Based in Dubai, Arjun is actively engaged with the Fintech & Start-up ecosystem across the MENA Region and beyond - as a passive investor, an advisory board member and as a commentator on the rapidly evolving scene.

FINTECH NEWS

Subscribe to Arjun's LinkedIn newsletter Daily Fintech Crunch to receive daily interesting news from the world of Fintech, DeFI, Crypto and beyond: https://www.linkedin.com/newsletters/6899436665924837377/

PARTNERS

Couchonomics with Arjun Singh is brought to you by our partners from:

Adyen, a reliable end-to-end payments solution that enables businesses to turn payments into a strategic growth driver: https://www.adyen.com/

LuLu Financial Group, a global financial services provider headquartered in Abu Dhabi and operating in 11 countries: https://www.lulufin.com/

M2P, Asia’s leading payment infrastructure company that enables businesses of any scale to embed financial products: https://m2pfintech.com/

View Details

Zand, the first digital bank to provide both retail and corporate banking is set for imminent launch in the UAE, subject to final regulatory approvals. Is Zand the way of future banking? Can traditional banks transform and catch up with fintech digital platforms that are emerging?

Those are just some of the questions we got to ask Olivier Crespin, Co-Founder and CEO of Zand, and General Partner at True Global Ventures.

Olivier explained the role of digital platforms like Zand in the future finance ecosystem and pointed out the challenges that the traditional banking sector is facing with the shift of the market towards digital natives.

Listen to Olivier talk about:

• Why Zand is not a bank but a digital platform with a banking license

• The areas on which the Zand is focusing

• What type of “banks” will survive the “Big Shift”

Register your interest to be one of the first to experience Zand and get all the latest updates: https://www.zand.ae/en

Follow 'Couchonomics with Arjun Singh' on any app where you listen to podcasts.

Check out Couchonomics website for all new updates: www.couchonomics.com

HOST

Based in Dubai, Arjun is actively engaged with the Fintech & Start-up ecosystem across the MENA Region and beyond - as a passive investor, an advisory board member and as a commentator on the rapidly evolving scene.

FINTECH NEWS

Subscribe to Arjun's LinkedIn newsletter Daily Fintech Crunch to receive daily interesting news from the world of Fintech, DeFI, Crypto and beyond: https://www.linkedin.com/newsletters/6899436665924837377/

PARTNERS

Couchonomics with Arjun Singh is brought to you by our partners from:

Adyen, a reliable end-to-end payments solution that enables businesses to turn payments into a strategic growth driver: https://www.adyen.com/

LuLu Financial Group, a global financial services provider headquartered in Abu Dhabi and operating in 11 countries: https://www.lulufin.com/

M2P, Asia’s leading payment infrastructure company that enables businesses of any scale to embed financial products: https://m2pfintech.com/

View Details

Over the past 25 years, Network International has built a business based on long-standing and trusted relationships with many of the leading merchants, financial institutions and payment networks operating in the Middle East and Africa.

In this episode of Couchonomics with Arjun we are discussing the mission of the Network International, an overview of the MENA’s current state when it comes to the payment solutions and the vision of the future with Nandan Mer, Group Chief Executive Officer for Network International.

Nandan kindly shared his assessment of the market shift towards alternative payments and different strategies fintech players can and should adopt when entering this region.

Listen to Nandan speaking about:
- How will the big competition help the whole industry thrive?
- Critical differences in the African market
- Planned expansion of Network International into Saudi Arabia

Timeline:

00:00 – Intro

01:13 – Introduction to Nandan Mer

03:04 – State of the e-commerce in the UAE

07:54 – Strategy behind the cooperation

13:26 – The future of alternative payments in the UAE

20:58 – Expansion to Africa

27:20 – Entering the Saudi market

31:17 – One last question & outro

Follow 'Couchonomics with Arjun Singh' on any app where you listen to podcasts.

Check out Couchonomics website for all new updates: www.couchonomics.com

HOST

Based in Dubai, Arjun is actively engaged with the Fintech & Start-up ecosystem across the MENA Region and beyond - as a passive investor, an advisory board member and as a commentator on the rapidly evolving scene.

FINTECH NEWS

Subscribe to Arjun's LinkedIn newsletter Daily Fintech Crunch to receive daily interesting news from the world of Fintech, DeFI, Crypto and beyond: https://www.linkedin.com/newsletters/6899436665924837377/

PARTNERS

Couchonomics with Arjun Singh is brought to you by our partners from:

Adyen, a reliable end-to-end payments solution that enables businesses to turn payments into a strategic growth driver: https://www.adyen.com/

LuLu Financial Group, a global financial services provider headquartered in Abu Dhabi and operating in 11 countries: https://www.lulufin.com/

M2P, Asia’s leading payment infrastructure company that enables businesses of any scale to embed financial products: https://m2pfintech.com/

View Details

How to navigate and seize the opportunities in disruption that is happening in the banking industry and financial services?

To uncover what the future holds for different players that are offering financial services, in this episode of Couchonomics with Arjun we have Philippe De Backer, Managing Partner and Leader of Global Financial Services Practice at Arthur D. Little.

Together with Ignacio Garcia Alves and Juan Gonzalez, Philippe just published his fifth book: “Disruption: The future of banking and financial services – how to navigate and seize the opportunities”, in which they are analysing the current state of the financial sector and deciphering the future of banking.

Listen to Philippe speaking about:
- Fintech companies that are going to survive this disruption
- The future of legacy banks and government initiatives
- Different approaches to marketing in the digitally transformed world

Check out Philippe's fifth book: https://www.amazon.com/Disruption-financial-services-navigate-opportunities/dp/1911671480

Follow 'Couchonomics with Arjun Singh' on any app where you listen to podcasts.

Check out Couchonomics website for all new updates: www.couchonomics.com

HOST

Based in Dubai, Arjun is actively engaged with the Fintech & Start-up ecosystem across the MENA Region and beyond - as a passive investor, an advisory board member and as a commentator on the rapidly evolving scene.

FINTECH NEWS

Subscribe to Arjun's LinkedIn newsletter Daily Fintech Crunch to receive daily interesting news from the world of Fintech, DeFI, Crypto and beyond: https://www.linkedin.com/newsletters/6899436665924837377/

PARTNERS

Couchonomics with Arjun Singh is brought to you by our partners from:

Adyen, a reliable end-to-end payments solution that enables businesses to turn payments into a strategic growth driver: https://www.adyen.com/

LuLu Financial Group, a global financial services provider headquartered in Abu Dhabi and operating in 11 countries: https://www.lulufin.com/

M2P, Asia’s leading payment infrastructure company that enables businesses of any scale to embed financial products: https://m2pfintech.com/

View Details

Crypto markets are in free fall this month. To understand better what is behind recent events in the Crypto world we invited Anas Bhurtun & Danosch Zahedi, hosts of Crypto Sheikhs podcast, a fantastic show that is tracking and explaining what is going on with cryptocurrencies.

For the first time we had two guests on the couch at the same time, which resulted in a super-insightful chat about the tremendous change that is happening right now in the world of finance, and the role of the blockchain in this new redistribution of wealth.

Listen to Anas & Danosch speak about:

• Why are Fiat currencies becoming obsolete?

• Deep connection between art and NFTs

• Arts DAO, a community of artists and NFT collectors based out of Dubai

View Details

The OTT (over-the-top) streaming market in the MENA region has been rapidly increasing in the last couple of years, gaining more than 30% between 2020 and 2021 and reaching over 10 million subscribers in the 18 countries of the Arab MENA region. The trend should sharpen in the next five years, as the subscriber figure is expected to triple by 2026 and reach close to 30 million.

In this episode of Couchonomics, the seat on the couch will occupy Maaz Sheikh, CEO of Starz Play, the no. 1 streaming platform in the MENA region.

He’ll talk us through the ongoing rapid evolution of streaming platforms across the world. We'll also hear about the plans of Starz Play to stay on the top with big global players stomping the market.

Find out more about:
- Why offering different payment solutions is crucial?
- How does co-operation with Telecom companies increase your visibility?
- What type of content is wanted by subscribers?
- Is hyper-localization key for local streaming services?

Check out STARZPLAY: https://starzplay.com/

Follow 'Couchonomics with Arjun Singh' on any app you listen to podcasts.

Check out Couchonomics website for all new updates: www.couchonomics.com

HOST

Based in Dubai, Arjun is actively engaged with the Fintech & Start-up ecosystem across the MENA Region and beyond - as a passive investor, an advisory board member and as a commentator on the rapidly evolving scene.

FINTECH NEWS

Subscribe to Arjun's LinkedIn newsletter Daily Fintech Crunch to receive daily interesting news from the world of Fintech, DeFI, Crypto and beyond: https://www.linkedin.com/newsletters/6899436665924837377/

PARTNERS

Couchonomics with Arjun Singh is brought to you by our partners from:

Adyen, a reliable end-to-end payments solution that enables businesses to turn payments into a strategic growth driver: https://www.adyen.com/

LuLu Financial Group, a global financial services provider headquartered in Abu Dhabi and operating in 11 countries: https://www.lulufin.com/

M2P, Asia’s leading payment infrastructure company that enables businesses of any scale to embed financial products: https://m2pfintech.com/

Connect with Couchonomics:
Website https://www.couchonomics.com/
TikTok https://vm.tiktok.com/ZMLQYGHoa/
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LinkedIn https://www.linkedin.com/in/arjunvirsingh/

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Neobanks are emerging rapidly across the world, all of them trying to solve many challenges that are preventing a seamless and safe digital banking experience.

From government regulation to data confidentiality, multiple issues need to be solved so we can enter a new era of fully digital banking.

That is why we invited Amir Nooriala on the couch - Chief Commercial Officer at Callsign, the global leading artificial intelligence-based authentication platform for enterprises, financial institutions and consumer-facing digital services.

Our host Arjun Singh asked him about his previous experience as CSO at OakNorth and the unique authentication system that he is implementing into the digital banking sector with Callsign.

In this great conversation with Amir find out more about:
-Callsign’s mission and vision between UX, fraud prevention and compliance
-The new era of authentication
-Government’s regulations of digital banking.

Check out Callsign: https://www.callsign.com/

Follow 'Couchonomics with Arjun Singh' on any app you listen to podcasts.

Check out Couchonomics website for all new updates: www.couchonomics.com

HOST

Based in Dubai, Arjun is actively engaged with the Fintech & Start-up ecosystem across the MENA Region and beyond - as a passive investor, an advisory board member and as a commentator on the rapidly evolving scene.

FINTECH NEWS

Subscribe to Arjun's LinkedIn newsletter Daily Fintech Crunch to receive daily interesting news from the world of Fintech, DeFI, Crypto and beyond: https://www.linkedin.com/newsletters/6899436665924837377/

PARTNERS

Couchonomics with Arjun Singh is brought to you by our partners from:

Adyen, a reliable end-to-end payments solution that enables businesses to turn payments into a strategic growth driver: https://www.adyen.com/

LuLu Financial Group, a global financial services provider headquartered in Abu Dhabi and operating in 11 countries: https://www.lulufin.com/

M2P, Asia’s leading payment infrastructure company that enables businesses of any scale to embed financial products: https://m2pfintech.com/

Connect with Couchonomics:
Website https://www.couchonomics.com/
TikTok https://vm.tiktok.com/ZMLQYGHoa/
Instagram https://www.instagram.com/couchonomics/
LinkedIn https://www.linkedin.com/in/arjunvirsingh/

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Welcome to a very special edition of Couchonomics podcast! This episode features not one, not two, but 3 guests + a surprise guest appearance from someone very special (who actually asked the most relevant question of the show).

We had Verity's 3 founders - Dina, Kamal and Omar on the couch for the episode. Verity is a Middle East’s family banking app for kids and teens that is soon launching in the region.

One by one, 3 co-founders of Verity are going to sit on our famous couch and chat about their new business venture. We're addressing the topic of financial literacy in teenagers and children and their wish to disrupt this space with their brilliant new app.

First you'll hear from Kamal Al-Samarrai, a serial entrepreneur with over 20 years of experience in banking and recruitment in the UK and UAE. He’ll tell us all about the initial idea behind Verity and his urge to do something that would be beneficial for his own family.

An international banking veteran and serial financial literacy entrepreneur, Dina Shoman, spoke about her experience in New York with a similar venture and her passion for teaching kids about the value in money.

For the great finale, Omar Al-Sharif, a startup maestro with a penchant for digital transformation, product development, and brand marketing, will explain the plans for the launch and the future of Verity.

Follow 'Couchonomics with Arjun Singh' on any app you listen to podcasts.

Check out Couchonomics website for all new updates: www.couchonomics.com

HOST

Based in Dubai, Arjun is actively engaged with the Fintech & Start-up ecosystem across the MENA Region and beyond - as a passive investor, an advisory board member and as a commentator on the rapidly evolving scene.

FINTECH NEWS

Subscribe to Arjun's LinkedIn newsletter Daily Fintech Crunch to receive daily interesting news from the world of Fintech, DeFI, Crypto and beyond: https://www.linkedin.com/newsletters/6899436665924837377/

PARTNERS

Couchonomics with Arjun Singh is brought to you by our partners from:

Adyen, a reliable end-to-end payments solution that enables businesses to turn payments into a strategic growth driver: https://www.adyen.com/

LuLu Financial Group, a global financial services provider headquartered in Abu Dhabi and operating in 11 countries: https://www.lulufin.com/

M2P, Asia’s leading payment infrastructure company that enables businesses of any scale to embed financial products: https://m2pfintech.com/

Connect with Couchonomics:
Website https://www.couchonomics.com/
TikTok https://vm.tiktok.com/ZMLQYGHoa/
Instagram https://www.instagram.com/couchonomics/
LinkedIn https://www.linkedin.com/in/arjunvirsingh/

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The "By Now, Pay Later" model has been around for 200 years. After being repackaged and rebranded countless times, it is currently one of the hottest spaces in FinTech, with BNPL accounting for 20% of e-commerce in countries such as Australia.

In this episode of Couchonomics, we are joined on the couch by a BNPL industry insider to get an informed perspective on this increasingly polarising topic. Abdulmajeed Alsukhan is the CEO and co-founder of Tamara, the leading Buy Now Pay Later provider in the MENA region.

Abdulmajeed and Arjun delved into the BNPL conversation, tackling questions around the risks customers face and how BNPLs are likely to grow and evolve in the MENA region in the coming years.

Get the answers to the burning questions:

• What is the likelihood of BNPL expanding into other categories and appealing to broader age groups?

• What measures is Tamara taking to minimise their customers' risks?

• Whether the current business model of BNPL is sustainable, or if it will evolve in the future?

Follow 'Couchonomics with Arjun Singh' on any app where you listen to podcasts.

Check out Couchonomics website for all new updates: www.couchonomics.com

HOST

Based in Dubai, Arjun is actively engaged with the Fintech & Start-up ecosystem across the MENA Region and beyond - as a passive investor, an advisory board member and as a commentator on the rapidly evolving scene.

FINTECH NEWS

Subscribe to Arjun's LinkedIn newsletter Daily Fintech Crunch to receive daily interesting news from the world of Fintech, DeFI, Crypto and beyond: https://www.linkedin.com/newsletters/6899436665924837377/

PARTNERS

Couchonomics with Arjun Singh is brought to you by our partners from:

Adyen, a reliable end-to-end payments solution that enables businesses to turn payments into a strategic growth driver: https://www.adyen.com/

LuLu Financial Group, a global financial services provider headquartered in Abu Dhabi and operating in 11 countries: https://www.lulufin.com/

M2P, Asia’s leading payment infrastructure company that enables businesses of any scale to embed financial products: https://m2pfintech.com/

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The status quo in the financial services sector is constantly changing. Innovation is the name of the game. If banks want to stay relevant in these evolving times, they need to be at the technological forefront and provide convenient, flexible payment solutions customers trust.

Ramana Kumar joins Arjun on the couch to share his perspective on this fascinating topic. Ramana is the CEO of Magnati, the payments subsidiary of First Abu Dhabi Bank (FAB). He is responsible for building lifecycle solutions for corporates, including merchant acquiring, government solutions and prepaid solutions, constructed on a futuristic platform backed by data and AI. Ramana works with fintechs and tech companies to provide industry-leading, future-proofed, digital-first solutions.

Ramana and Arjun discussed the role partnership and brand affinity play in constructing a platform that consumers will gravitate towards and the importance of being trustworthy, flexible and convenient.

Join us as we answer the questions:

🎙 Will open banking become a reality in the MENA region?

🎙 What makes Magnati different from other fintech platforms?

🎙 How will banking and the financial services sector integrate into the Metaverse?

Follow 'Couchonomics with Arjun Singh' on any app where you listen to podcasts.

Check out Couchonomics website for all new updates: www.couchonomics.com

HOST

Based in Dubai, Arjun is actively engaged with the Fintech & Start-up ecosystem across the MENA Region and beyond - as a passive investor, an advisory board member and as a commentator on the rapidly evolving scene.

FINTECH NEWS

Subscribe to Arjun's LinkedIn newsletter Daily Fintech Crunch to receive daily interesting news from the world of Fintech, DeFI, Crypto and beyond: https://www.linkedin.com/newsletters/6899436665924837377/

PARTNERS

Couchonomics with Arjun Singh is brought to you by our partners from:

Adyen, a reliable end-to-end payments solution that enables businesses to turn payments into a strategic growth driver: https://www.adyen.com/

LuLu Financial Group, a global financial services provider headquartered in Abu Dhabi and operating in 11 countries: https://www.lulufin.com/

M2P, Asia’s leading payment infrastructure company that enables businesses of any scale to embed financial products: https://m2pfintech.com/

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The latest episode of Couchonomics with Arjun is here. This one is a real treat!

Our guest is Ronit Ghose, the Global Head of Banking, FinTech & Digital Assets for Citi Global Insights. He joined us on Couchonomics to give us a sneak preview of Citi's amazing new report: Metaverse and Money: Decrypting the Future.

We discussed Metaverse and how will it impact the way we are accessing the internet. The possibilities of the Metaverse are endless according to Ronit. From a gaming industry, fintech, education: every aspect of our future lives could be connected with Metaverse in the future!

Ronit’s previous report had over 350,000 downloads, making it one of the most-read fintech reports ever published. In his latest article, he has also unraveled how NFTs can make ownership in the digital space more transparent and conclusive.

In this episode, we answered the questions…

• Why are connectivity and availability the biggest challenges?

• How can digital tokens improve digital transactions?

• What can go wrong with Metaverse?

Check out the full report Metaverse and Money here: https://www.citivelocity.com/citigps/metaverse-and-money/

Follow 'Couchonomics with Arjun Singh' on any app where you listen to podcasts.

Check out Couchonomics website for all new updates: www.couchonomics.com

HOST

Based in Dubai, Arjun is actively engaged with the Fintech & Start-up ecosystem across the MENA Region and beyond - as a passive investor, an advisory board member and as a commentator on the rapidly evolving scene.

FINTECH NEWS

Subscribe to Arjun's LinkedIn newsletter Daily Fintech Crunch to receive daily interesting news from the world of Fintech, DeFI, Crypto and beyond: https://www.linkedin.com/newsletters/6899436665924837377/

PARTNERS

Couchonomics with Arjun Singh is brought to you by our partners from:

Adyen, a reliable end-to-end payments solution that enables businesses to turn payments into a strategic growth driver: https://www.adyen.com/

LuLu Financial Group, a global financial services provider headquartered in Abu Dhabi and operating in 11 countries: https://www.lulufin.com/

M2P, Asia’s leading payment infrastructure company that enables businesses of any scale to embed financial products: https://m2pfintech.com/

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Our esteemed guest for Episode 01 is Roberto Croci, the Managing Director for Microsoft for Startups in MEA!

Roberto spoke about the idea of pairing the big corporates and enterprises with startups, and the complex business ecosystem with vast opportunities that have been emerging as a result of this co-op.

With 20+ years of experience working with both Google and Microsoft, Roberto explained the full process of selecting the startups that can add value to the big corporate businesses and at the same time, enable them to succeed.

Tune in on your favorite podcast app and listen to Roberto Croci speaking about:
🎙 How big corporates and enterprises can be paired with carefully selected startups for mutual benefit
🎙 Empowering MENA's local pool of talent
🎙 How Microsoft's technology is helping entrepreneurs succeed
🎙 The importance of culture when scaling your business.

🎧 Follow 'Couchonomics with Arjun Singh' on any app you listen to podcasts.
👉 Check out Couchonomics website for all new updates: https://www.couchonomics.com/

🗣 HOST
Based in Dubai, Arjun is actively engaged with the Fintech & Start-up ecosystem across the MENA Region and beyond - as a passive investor, an advisory board member, and as a commentator on the rapidly evolving scene.

🗞 FINTECH NEWS
Subscribe to Arjun's LinkedIn newsletter Daily Fintech Crunch to receive daily interesting news from the world of Fintech, DeFI, Crypto, and beyond: https://www.linkedin.com/newsletters/6899436665924837377/

PARTNERS
Couchonomics with Arjun Singh is brought to you by our partners from:
✨ Adyen, a reliable end-to-end payments solution that enables businesses to turn payments into a strategic growth driver: https://www.adyen.com/
✨ LuLu Financial Group, a global financial services provider headquartered in Abu Dhabi and operating in 11 countries: https://www.lulufin.com/
✨ M2P, Asia’s leading payment infrastructure company that enables businesses of any scale to embed financial products: https://m2pfintech.com/

Connect with Couchonomics:
Website https://www.couchonomics.com/
TikTok https://vm.tiktok.com/ZMLQYGHoa/
Instagram https://www.instagram.com/couchonomics/
LinkedIn https://www.linkedin.com/in/arjunvirsingh/

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Fintech is fundamentally reshaping the financial services industry as we know it today.
In order to understand the wider vision of these fintech-led disruptions, Arjun Singh will invite the influential stakeholders to 'Couchonomics' show, to discuss and dissect the highs and lows of their own ventures, and how that effects the broader sector.

Follow 'Couchonomics with Arjun Singh' on any app you listen to podcasts.
Check out Couchonomics website for all new updates: www.couchonomics.com

HOST
Based in Dubai, Arjun is actively engaged with the Fintech & Start-up ecosystem across the MENA Region and beyond - as a passive investor, an advisory board member and as a commentator on the rapidly evolving scene.

FINTECH NEWS
Subscribe to Arjun's LinkedIn newsletter Daily Fintech Crucnh to receive daily interesting news from the world of Fintech, DeFI, Crypto and beyond: https://www.linkedin.com/newsletters/6899436665924837377/

PARTNERS
Couchonomics with Arjun Singh is brought to you by our partners from:
Adyen, a reliable end-to-end payments solution that enables businesses to turn payments into a strategic growth driver: https://www.adyen.com/
LuLu Financial Group, a global financial services provider headquartered in Abu Dhabi and operating in 11 countries: https://www.lulufin.com/
M2P, Asia’s leading payment infrastructure company that enables businesses of any scale to embed financial products: https://m2pfintech.com/