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by Duena Blomstrom
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- Apr 7, 202530 min
S2 E3 - Innovating for a Sustainable Future - Gustavo Vinacua
Innovating for a Sustainable Future - Gustavo Vinacua💥 SummaryIn this compelling episode of Tales from the FinTech Crypt, Duena Blomstrom sits down with Gustavo Vinacua, a sustainability and innovation strategist and former driving force behind BBVA’s transformation into a FinTech innovation leader. This isn’t just a story about banking - it’s a front-row seat to how legacy institutions evolve, how sustainability became a serious business lever, and why emotional intelligence and diversity are critical to the future of finance.From building human-first systems to challenging the status quo, Gustavo shares the bold moves and hard lessons that shaped a career spent at the bleeding edge of change. Whether you're a founder, tech leader, or innovation strategist, this episode will leave you rethinking what it means to lead in FinTech today.🔥 TakeawaysGustavo’s FinTech journey began in 2009, long before it was cool.BBVA was a first mover in breaking open banking innovation.The culture at BBVA empowered experimentation and real innovation.Under Carlos Torres, sustainability shifted from rhetoric to strategy.Emotional intelligence is a business-critical skill, not a bonus.FinTech still has a diversity problem - and it’s holding us back.The industry holds massive untapped power to drive sustainability.Financial inclusion in Europe is a growth frontier.Businesses can scale and create positive impact, it’s not either-or.The human element must stay central in our digital transformation efforts.💬 Sound Bites“BBVA was one of the first banks to innovate.”“We need to focus on the human element of everything.”“We need to keep doing more for women in business.”“We can do capitalism with the right purpose.”“Sustainability is part of our daily lives.”“We need to prepare people for the AI battle.”🕐 Chapters00:00 - Introduction to FinTech Journeys 02:54 - The Role of BBVA in FinTech Innovation 06:08 - Navigating Innovation and Compliance in Banking 08:53 - Sustainability in Banking and Financial Technology 12:02 - Human Systems and Emotional Intelligence in FinTech 15:01 - Diversity and Inclusion in the FinTech Industry 18:05 - The Future of FinTech and Sustainability 20:55 - Building a Positive Impact through Innovation 23:51 - Challenges and Opportunities in European FinTech 26:56 - The Human Element in Sustainability 29:56 - Conclusion and Future Conversations🎧 Episode TL;DRThis episode is a must-listen for anyone in FinTech or tech who cares about building things that last. Learn from a pioneer who helped redefine what innovation in finance could look like - and why empathy, sustainability, and inclusion aren’t distractions, they’re the engine of what’s next.
- Feb 26, 202548 min
S2E2 - Past and Future OGs of FinTech - Matteo Rizzi
In this engaging conversation, Duena Blomstrom interviews Matteo Rizzi, a prominent figure in the fintech industry, discussing his extensive journey through fintech, investment in emerging markets, and the creation of impactful initiatives like TimePledge. They explore the intersection of sustainability and finance, the importance of talent management, and the need for authenticity and courage in innovation. The discussion highlights the future of fintech, focusing on digital assets and financial inclusion, particularly in Africa.TakeawaysMatteo Rizzi has 25 years of experience in fintech.Investing in Africa is a key focus for Matteo.TimePledge aims to coach African entrepreneurs on soft skills.Sustainability is becoming increasingly important in finance.Fintech can help level up the bottom billions.Talent management is crucial for innovation in financial services.Authenticity and courage are essential for disruptive change.The future of fintech includes a focus on digital assets.Inclusion of the next billion customers is necessary.Collaboration and communication are vital for team effectiveness.Sound Bites"Investing in Africa is a passion of mine.""We need more people that are not controlled by fear.""We should focus on who we have in the team."Chapters00:00The Journey of Matteo Rizzi in FinTech10:18Impact Investing and Entrepreneurship in Africa20:05The Intersection of Sustainability and Finance25:35FinTech and Financial Inclusion28:42Sustainability and the Future of Finance30:21AI's Role in Financial Services40:05Talent Management in Banking46:54The Importance of Human Connection in Finance
- Jan 30, 202541 min
S2E1 - Bridging Passion and Data in Finance – A Deep Dive with Andra Sonea
SummaryIn this thought-provoking conversation, Duena Blomstrom sits down with Andra Sonea to unravel the intricate evolution of fintech and its transformative impact on banking. From the once-niche fintech events to the mainstream revolution of open banking, they explore the critical shifts that have redefined financial services.Together, they dissect the complex relationship between front-end and back-end banking systems, the ongoing battle with technical debt, and the persistent gap between business and IT. Andra shares invaluable insights from her research, highlighting the transition from practitioner to academic and why banking must be seen as a critical national infrastructure.This episode is a must-listen for anyone eager to understand the past, present, and future of financial technology, as well as the challenges and opportunities shaping the industry.Key Takeaways🚀 Fintech’s rise from the fringes to the forefront – Once dismissed as a niche sector, fintech has evolved into a powerful force driving change in banking.🔄 Banking technology has undergone a seismic shift – The industry’s understanding of digital transformation, technical debt, and system architecture has matured significantly.⚠️ Technical debt remains a major hurdle – Legacy systems continue to slow innovation, making modernization an ongoing challenge.💳 Open banking has redefined consumer access – The shift towards data transparency has empowered consumers but also raised regulatory and technological complexities.🔍 The business-IT divide still persists – Bridging the gap between banking executives and technologists is critical to future-proofing the industry.💰 Banking inefficiencies have been tolerated due to profitability – Large profit margins have historically masked operational shortcomings, but fintech disruption is changing the game.🌍 The global impact of open banking is undeniable – From Europe to emerging markets, the ripple effects of open banking continue to shape financial ecosystems.📚 Research is key to bridging theory and practice – A more structured approach to fintech research can help align technological innovation with real-world banking challenges.🏦 Understanding banking as critical infrastructure is essential – The future of banking must be viewed through the lens of national stability and economic security.🤖 A holistic approach to technology is the future – Innovation in banking must integrate technology, regulation, and business strategy to drive meaningful progress.Memorable Sound Bites💬 “The discourse and the understanding have changed.”💬 “There is so much bloat in technology and banking in particular.”💬 “The gap was always there.”💬 “We can do what you need to do.”💬 “Banking enjoyed a good profit margin.”💬 “Open banking has forced a lot of change.”💬 “The effect of open banking goes a long way.”💬 “Banking is a self-regulated industry.”Chapter Breakdown⏳ 00:00 – Introduction: Fintech Journeys & Personal Reflections⏳ 02:55 – The Evolution of Fintech: From Niche to Necessity⏳ 06:03 – Understanding the Banking Landscape & Its Challenges⏳ 08:56 – The Power Struggle: Back-End vs. Front-End Banking Systems⏳ 11:48 – Technical Debt: A Silent Threat to Banking Innovation⏳ 15:15 – Open Banking: A Catalyst for Change or a Regulatory Hurdle?⏳ 18:03 – Research in Banking: Bridging Academia & Real-World Solutions⏳ 20:53 – The Transition from Practitioner to Academic: Lessons Learned⏳ 23:55 – The Future of Banking: What’s Next for Technology & Regulation?
- Nov 28, 202440 min
TFTFC - S1E8 - The Role of FinTech in the AI-driven world of the Future - Brett King
SummaryIn this episode, Duena Blomstrom and Brett King dive into the transformation of banking from traditional branches to a digital-first future. They discuss AI's role in reshaping financial services, the philosophical shifts needed in our economic models, and how AI could intersect with climate change. The conversation also touches on generational value changes, the ethical challenges around AI, and the importance of keeping the human touch in tech and finance. This is a must-listen for anyone interested in the future of fintech, technology, and building a sustainable world.TakeawaysBranches are becoming educational centers for digital banking.AI will serve as a personal financial coach and health manager.Technological advancements can solve major societal issues like homelessness.The next generation is moving away from traditional capitalism.A new system of value is needed to accommodate longer lifespans.Meaningful work will become a priority for future generations.AI development is at a critical formatting stage.Humanity must evolve to address ethical dilemmas in technology.Productivity gains may lead to increased unemployment.The seeds of change in economic philosophy have been planted.TitlesFrom Branches to Digital: The Future of BankingAI as Your Financial Coach: A New EraAI-driven Changes to the World and Financial ServicesSound Bites"We are at a formatting stage of AI.""We have to grow up as a species.""We need a different system of value."Chapters00:00The Evolution of Banking: Branches to Digital Excellence04:00AI and the Future of Financial Services07:15The Intersection of Technology and Human Values09:55Economic Philosophies and the Role of AI13:14The Generational Shift in Economic Perspectives15:55The Future of Work and Longevity19:06The Role of Fintech in a Changing World22:09Navigating Ethical Challenges in AI25:14The Importance of Personal Data in the AI Era28:22The Future Landscape of Financial Institutions31:05Hope and Challenges Ahead
- Nov 18, 202443 min
TFTC - S1E7 - FinTech Ecosystems and Rails - Nasir Zubairi
Get ready for an exciting and honest conversation as Duena Blomstrom and Nasir Zubairi dive into the fascinating evolution of the FinTech industry! From its humble beginnings to the entrepreneurial journeys that shaped it, they explore where we are now and the innovations pushing financial services forward. You'll hear all about the challenges startups face, the cultural hurdles in traditional banking—including their infamous spaghetti backend systems—and whether banks can truly embrace Agile and customer-centric ways of working. They pull no punches while also discussing the game-changing potential of AI. The discussion wraps up with hopeful predictions for the future of banking and why adapting to change is more crucial than ever.TakeawaysThe term 'FinTech' was not in use until around 2011.The financial crisis spurred innovation and interest in new financial solutions.Entrepreneurial journeys often involve both successes and failures.Cultural challenges within banks hinder true innovation.AI has the potential to transform financial services significantly.Startups need access to capital and customers to thrive.The regulatory environment poses barriers to entry for new firms.Understanding customer needs is crucial for product development.Predictive AI can enhance customer engagement and service delivery.The future of banking may see significant changes in the next 5 to 10 years.TitlesThe Dawn of FinTech: A Historical PerspectiveEntrepreneurial Journeys: Lessons from the TrenchesChapters00:00The Dawn of FinTech: A Historical Perspective03:15Entrepreneurial Journeys: Lessons from the Field06:33Innovation in Financial Services: Current Landscape and Future Opportunities09:23The Role of Startups in Driving Change12:27Navigating the Regulatory Landscape: Challenges and Solutions15:31Building a Supportive Ecosystem for Startups18:15The Importance of Culture in Financial Institutions21:08The Future of Banking: Predictions and Insights
- Nov 5, 202432 min
S1E6 - The Future of Banking is (still) in Personalisation - Alex Jimez
In this lively conversation, Duena Blomstrom and Alex Jimenez, both members of the "FinTech Mafia ThinkTank," offer an insider's perspective on the fascinating journey of the fintech industry. They dive into its early beginnings, the struggles of driving innovation in traditional banking, and envision an exciting future where banking becomes truly personalized and consumer-centric. With a focus on how technology is reshaping finance, they reflect on the industry's evolution and the urgent need for banks to keep pace with changing customer expectations. It's an insightful discussion about where fintech has been, where it's headed, and how it’s transforming the way we experience banking.TakeawaysThe first significant fintech event was Finnovate in 2011.Innovation in banks often faces cultural resistance.The concept of failing fast is not embraced by all banks.Branches are still relevant despite predictions of their demise.True personalization in banking is still a work in progress.AI is seen as a potential tool for better personalization.Consumers often prefer simplicity over complex financial data.The younger generation is more influenced by social media for financial advice.Corporate banking is demanding more digital experiences.The gap between consumer expectations and banking services remains large.TitlesExploring the Roots of FintechInnovation Challenges in BankingOnly Now Is Innovation Truly InternalBanking Hasn't Kept Up the PaceSound Bites"Finovate was a series of actual product demos.""We do not fail fast at this bank.""Branches were only going to be alive for five years."
- Oct 29, 202448 min
S1E5 - Curating Innovation for FinTech Success - Alessandro Hatami
In this lively conversation, Duena Blomstrom sits down with Alessandro Hatami, a former banker turned FinTech trailblazer and innovation catalyst, to dive into the evolution of the FinTech industry. They tackle the challenges faced by traditional banks and the exciting opportunities that collaboration between incumbents and challengers can bring. With insights into how banks must adapt to truly understand customer needs, the role of regulation as a catalyst for innovation, and the shifting landscape of employee well-being, this discussion is a must-hear for anyone interested in the future of finance. Duena and Alessandro highlight the ongoing journey of transformation in financial services and outline the clear, actionable pathways needed to drive meaningful change.TakeawaysCollaboration between challengers and incumbents is essential for innovation.Banks need to focus on understanding customer needs rather than just selling products.Regulation must be enforceable to drive meaningful change in the industry.Employee well-being is crucial for retention and organizational success.The future of banking will involve a combination of incumbents and new players.AI and digital transformation are ongoing processes that require careful management.Organizations must define clear metrics for success in their transformation journeys.The perception of banks is changing, and they must adapt to remain relevant.Understanding the market landscape is vital for making informed decisions.Transformation is a continuous journey, not a destination.TitlesNavigating the Future of FinTechThe Evolution of Financial ServicesSound Bites"The future of innovation is collaboration.""Banks are selling the ability to achieve goals.""Regulation must have repercussions to be effective."Chapters00:00Introduction and Background03:43The Evolution of FinTech and Global Perspectives06:49The Role of Incumbents and Challengers in Innovation10:47Challenges in Corporate Innovation and Honesty13:33Understanding Customer Needs in Banking17:07The Changing Landscape of Banking and Competition21:07The Future of Financial Services and Digital Transformation23:46The Role of Boards in Driving Change27:11Internal Politics and the Challenge of Transformation30:25The Importance of ROI in Innovation33:04The Impact of Open Banking and AI36:17Regulation as a Catalyst for Innovation40:04The Changing Dynamics of Employee Engagement44:52Steps for Successful Transformation in Organizations
- Oct 8, 202448 min
S1E4 - The State of FinTech in 2024 and Beyond - Theodora Lau
In this captivating episode of "Tales from the Fintech Crypt," join Duena Blomstrom and Theo Lau as they embark on a thought-provoking journey through the dynamic world of fintech. They delve into how the COVID-19 pandemic has reshaped the financial landscape and explore the ongoing challenges facing the banking sector today.With an insightful lens, Duena and Theo reflect on the incremental technological advancements that have emerged and highlight the urgent need for a cultural transformation within financial institutions. Their conversation spans generational perspectives on banking needs, shedding light on the crucial importance of financial inclusion for everyone.As they navigate these complex themes, the duo emphasizes the vital role of leadership in driving meaningful change within the industry. Ultimately, their discussion inspires hope, showcasing the necessity of heart and goodwill in crafting a brighter financial future for all. Tune in for an episode that not only informs but also ignites passion for a more inclusive financial world!TakeawaysCOVID-19 was initially seen as a game changer for fintech.The funding trends for women in fintech have not improved significantly.There is a comfort in returning to business as usual post-pandemic.Generational needs in banking are more about life stages than age.Incremental change in fintech is not enough to meet consumer needs.Cultural transformation is essential for innovation in banking.Financial inclusion remains a critical issue globally.The role of technology should focus on solving real consumer problems.Leadership in banking needs to embrace courage and empathy.The next generation of fintech leaders will bring new perspectives and values.Sound Bites"We finally see the value of different people.""We still have more than a billion people unbanked.""We need to push the envelope."Chapters00:00Introduction and Expectations03:45The State of Fintech in 202409:20The Need for Human-Centered Design in Banking14:36The Obsession with Segmentation in Banking15:50The Lack of Significant Progress in Fintech17:42The Potential of Blockchain and AI22:40The Mushrooming of Fintech Companies23:28The Lack of Innovation in Traditional Banks24:50The Disconnect Between Back-End Advancements and Front-End Customer Experience26:04The Challenges of Inertia, Trust, and Regulatory Issues31:21The Importance of Culture, Courage, Empathy, and Genuine Communication36:35The Need for Financial and Digital Inclusion39:54Addressing Societal Issues Through a More Equal and Fair State of Money Movement44:29The Shift in Mindset and Leadership Needed for Innovation in Banking
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About Tales from the #FinTech Crypt
A production of Emotional Banking™, this podcast lifts the veil on the so-called FinTech industry. Technology and Banking together building digital propositions - the people, the tea, the warstories and the lessons with a sprinkling of sass from the makers of People AND Tech and Secret Society for Human Debt Fighters.
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