Lacklustre Banking experiences got you down? Let's change that! Join us for a captivating conversation with Nicole Perry, Global Strategy Director Digital Business Growth at 11:FS Ventures, as she shares her unique approach to digital transformation in the financial sector. With her sharp insights and thought-provoking views, Nicole shares the secret to truly customer-driven, frictionless banking. Get ready to be inspired and learn what it takes to revolutionise the industry and how the power of understanding your customers' "jobs to be done" has the potential to shape the banking landscape into a customer-driven digital experience. We are certain that Nicole's engaging conversation, knowledge of the industry, raspy Glaswegian accent and wit will have you hooked!

The seamlessly unstoppable growth that fintech had enjoyed for years is finally tapering off. We all watched with excitement the rise of neobanks, fintech platforms and crypto exchanges but instinctively we also knew that the level of investment was not sustainable and likely due a reality check. That is not necessarily a bad thing, our industry exists in a delicate balance of trust and stability that enables people to transact, access credit and multiply value so regular adjustments should be seen as necessary and beneficial to the industry as a whole.

That’s not to say that the movement has come to a halt, opportunities still abound for companies with compelling business models and the future of Fintech is looking more exciting than ever. In a recent trip to London, we had a unique opportunity to sit down with Jeff Tijssen, Expert Partner and Global Head of Fintech at Bain & Company to talk about Fintech trends, the pace of transformation in Finance and a Global perspective of what’s coming down the innovation pipeline. Jeff see’s ‘plenty a reason’ to be excited and so do we!

We continue to see a strong move towards enabling investors to be more discerning of where they put their money. Similarly to how health conscious foodies became intent in knowing what was in their food, a new generation of investors are now demanding that funds and investment companies disclose further information on the virtues, or lack of , of the companies in their portfolios. The trend in itself is not new, for decades investors have been able to decide whether to finance companies aligned with their values, which saw many steering clear from things like weapons, or tobacco.  This time is different though, as the push is accelerating by concerns for climate change, and newly devised standards relating to social issues and governance.

We had an opportunity to sit down with Alvar Lumberg, a veteran in the Estonian startup scene, who in his latest move is acting as CTO and late Co-founder of Grünfin, a company that is enabling investors to put their money where their heart is. Listen to how Grünfin not only provides clarity and further options for values based investing, but is also working to nudge organisations into adopting more environmental, social and governance aligned practices.  Whichever side of the isle you stand on ESG ratings, it’s undeniable that simplicity and transparency will become the hallmark of a new generation of finance solutions to come.