London Fintech Podcast

How do the rules that govern new financial services actually get written? And what happens when a regulator tests them on real products before finalising them?In this episode of The London Fintech Podcast, Tony Clark is joined by Matthew Long, Director of Payments and Digital Assets at the FCA, to explore how the UK built its crypto and stablecoin regime. They also look at what happened when the regulator tested its proposed stablecoin rules with real firms in a live sandbox.Matthew, who has led the design of the regime since 2022, explains what the testing revealed and how...

Where should a financial services business expand next? And what makes a market attractive enough to justify the move?

In this episode of The London Fintech Podcast, Tony Clark is joined by Mr King Leung, Associate Director-General of Investment Promotion 2 at InvestHK, to explore why Hong Kong continues to attract financial services, fintech and technology businesses from around the world.

Drawing on his experience as an entrepreneur, consultant and investment promotion leader, King shares what companies consider when deciding where to establish a presence, from market size and access to capital to talent, regulation and...

Anant Kumar discusses the current state and future potential of blockchain in finance, exploring how institutions are beginning to adopt the technology and where it could have the greatest impact: collateral, settlement and tokenisation

.Drawing on real-world examples, including Benefit Street Partners’ Bitcoin-backed loan and Galaxy Digital’s tokenised commercial paper transaction on Solana, Anant explains how blockchain is being applied to traditional financial processes, and what needs to happen for adoption to scale.

In this episode, you’ll hear:

• Why institutional blockchain adoption is likely to begin with collateral, followed by settlement.

• H...

When you’re under pressure to grow, slowing down can feel like the wrong move. But rushing past the difficult questions can leave you fixing problems just as your business starts to scale.

Emma Hagan, UK CEO of ClearBank, joins the London Fintech Podcast to explain why investing time in the right people, processes and conversations early on can help you move faster later.

Having moved from leading risk and compliance to running the UK bank, Emma shares how ClearBank approaches growth, launches new services and decides which opportunities deserve its attention.

In th...

Blockchain may have its greatest impact on finance when customers stop seeing it.

In this episode of the London Fintech Podcast, Tony Clark speaks with Marc Boiron, CEO of Polygon Labs, about the convergence of blockchain and traditional financial infrastructure — and why the future of digital finance may be less about replacing existing systems and more about making blockchain invisible beneath familiar financial products.

The conversation explores what stablecoins are already making possible, what the growing adoption of blockchain infrastructure actually tells us, and why faster settlement alone is not enough to transform financial services.

Where is the VC money going in the UK, and what does it take for a startup to become investment-ready in today’s funding market?

In this episode of the London Fintech Podcast, Tony Clark speaks with Thomas Easterby from HSBC Innovation Banking about the state of the UK innovation economy, the latest venture capital trends, the surge in AI investment, and what founders need to know when raising capital.

The conversation explores a rapidly changing funding landscape, where AI investment has reached record levels, but investors are becoming increasingly thoughtful and diligent about where th...

Crypto is no longer operating at the edges of finance. It’s becoming part of the core infrastructure powering global payments, treasury operations, and digital asset innovation.In this episode of the London Fintech Podcast, Tony Clark sits down with Ran Goldi, SVP Payments & Network at Fireblocks, to explore the rapid rise of stablecoins, institutional crypto adoption, and the technologies reshaping the future of financial services.Broadcast live from Money20/20 Europe in Amsterdam, the conversation examines how traditional financial institutions are increasingly embracing blockchain-based financial rails. Ran shares insights from Fireblocks’ unique vantage point, with the platform now supporting appr...

Embedded banking is moving from concept to reality. According to Andrew Ellis, CEO of NatWest Boxed, the future of financial services will be shaped by organisations that can seamlessly integrate banking products into the experiences customers already use every day.In this episode of the London Fintech Podcast, Tony Clark speaks with Andrew Ellis, CEO of NatWest Boxed, about the evolution of Banking-as-a-Service, embedded finance, and how major brands are creating new opportunities through financial products.Andrew shares the journey behind NatWest Boxed, from building a modern banking platform to powering partnerships with organisations including Sainsbury's, Saga, and the...

Most AI projects don't fail because of the model. They fail because organisations don't trust the data.In this special live edition of the London Fintech Podcast, recorded from Money20/20 Europe in Amsterdam, Tony Clark sits down with Remco den Heijer, Vice President APJ & EMEA Channels at Alteryx, to explore why data readiness has become the defining challenge in enterprise AI adoption.As organisations move from AI experimentation to real-world deployment, the conversation is shifting away from models and prompts towards trust, governance, and operational execution. Remco explains why AI success depends not on having the latest model, but...

Recorded live at the Banking Transformation Summit, this special London Fintech Podcast panel brings together senior leaders from banking and technology to explore one of the biggest strategic questions facing financial services today: what happens when AI moves from assistant to autonomous teammate?

Host Tony Clark is joined by Stuart McIntyre, Executive Director, Digital Strategy & Operations – AI & Change Enablement at Standard Chartered, Marc Barnard-Naulls, Head of Enterprise Platforms and Services at Close Brothers, and James Georgiou, Principal Solution Engineer at Salesforce.

Together, they unpack the strategic fork in the road facing banks as Agentic AI ac...

Smartphones are evolving. According to Emmett Hollyer of Solana Mobile, the next generation of devices will be the foundation of how we own, trade, and manage digital assets.In this episode of the London Fintech Podcast, Tony Clark speaks with Emmett Hollyer from Solana Mobile about the rise of crypto-native hardware, the launch of the Seeker device, and why mobile phones could become the primary gateway to decentralised finance and digital ownership.Emmett shares the story behind building one of the world’s first crypto-native smartphones, from early experimentation and hardware challenges to shipping more than 150,000 devices across 50+ countries. Th...

Crypto is moving from the margins to the core of global financial infrastructure — but the real question is how fast that transformation will happen, and who will lead it.

In this episode of the London Fintech Podcast, Tony Clark speaks with Keith Grose, UK CEO at Coinbase, to explore the evolution of crypto, institutional adoption, and the technologies shaping the next decade of finance.

The conversation traces Coinbase’s journey from early conviction in digital assets to becoming one of the world’s largest regulated crypto exchanges. Keith explains how a compliance-first mindset, product innovation, and lo...

Banking is changing fast, but what does real transformation actually look like inside today’s financial institutions?

In this episode of the London Fintech Podcast, Tony Clark sits down with Mark Johnstone, Chief Strategy Officer at MoneyNext and Managing Director of the Banking Transformation Summit, to unpack how banks are navigating AI, modernisation, and the evolving competitive landscape.

Mark shares insights from curating one of the most practitioner-led banking events in Europe, where the focus isn’t hype, but what’s actually working inside banks today. With 175+ institutions represented and a highly curate...

In this episode of the London Fintech Podcast, Tony Clark speaks with Christoph Rieche, CEO and Co-Founder of iwoca, about his transition from Goldman Sachs to building one of Europe’s leading SME lending platforms.

“More than 80% of our customers receive instant credit decisions… and can draw funding the same day.”

That capability sits at the heart of iwoca’s proposition — transforming SME lending from a slow, uncertain process into something fast, data-driven, and accessible.

Christoph explains how API integrations and real-time data sharing allow businesses to move from application to funding in record time...

Entrepreneurship offers endless opportunities, but the real challenge is knowing which ones to pursue.

In this episode of the London Fintech Podcast, Tony Clark speaks with James Benham, CEO & Co-Founder at JBK & Terra and host of the InsurTech Geek Podcast, to reflect on a wide-ranging career spanning technology, insurance, and construction, and the hard-earned lessons that come with it.

The conversation explores how procurement and RFP processes are increasingly incorporating supplier diversity, creating opportunities for smaller, specialist firms to compete alongside large consultancies. James shares how this shift is shaping vendor ecosystems and why there...

Money20/20 has become one of the most important gatherings in global fintech — bringing together the leaders, innovators, and institutions shaping the future of financial services.

In this episode of the London Fintech Podcast, Tony Clark speaks with Oliver Smith, Head of Content for Europe at Money20/20 Europe 2026, to explore what’s coming at this year’s flagship event.

They discuss the scale and ambition of Money20/20 Europe, the key themes driving the agenda, and how the conference continues to reflect — and shape — the evolution of the fintech ecosystem.

Blockchain has been discussed for over a decade, but its real impact in institutional finance is only now beginning to take shape.

In this episode of the London Fintech Podcast, Tony Clark speaks with Yuval Rooz, CEO of Digital Asset and Co-Founder of Canton, about how blockchain infrastructure is evolving to meet the needs of global capital markets.

At the centre of the conversation is the Canton Network: a public, privacy-enabled blockchain designed to bring blockchain rails to financial markets at scale. Yuval explains how Canton is addressing one...

As AI accelerates across financial services, the real competitive advantage is no longer just analytics — it’s decision intelligence.

In this episode of the London Fintech Podcast, Tony Clark is joined by Jamie Hutton, Chief Technology Officer of Quantexa, to explore how organisations are moving beyond dashboards and manual analysis toward context-driven, automated decision-making.

Now celebrating its 10th anniversary, Quantexa is one of the UK’s standout post-pandemic unicorns, scaling globally with over $100m+ ARR and recognised as a leader in the Decision Intelligence category by Gartner.

Jamie explains how Quantexa pioneered entity resolu...

While much of the financial world is racing to keep up with AI and the rapid institutionalisation of blockchain and crypto, another powerful technology has been quietly advancing in the background for decades — quantum computing.In this episode of the London Fintech Podcast, Tony Clark is joined by Christopher Jensen, Portfolio Manager & Director of Digital Asset Research at Franklin Templeton, to explore what quantum computing really is — and why it could have profound implications for digital assets, cryptography, and financial infrastructure.Franklin Templeton, one of the world’s most innovative asset managers with over $1 trillion in AUM, recently published a pape...

🎙️ In this episode of the London Fintech Podcast, Tony Clark speaks with Søren Westh Lonning, CFO of Pleo, about how finance leaders are navigating an era of growing complexity, higher expectations, and mounting pressure — and why too many organisations are still making decisions based on hindsight rather than foresight.

Søren shares Pleo’s growth journey, scaling from €65m to €165m in ARR in just three years, and explains how the company has evolved from a simple expense management tool into a comprehensive spend and cash management platform designed to support real-time, confident decision-making...

In this episode of the London Fintech Podcast, Tony Clark sits down with Susanne Chishti to explore the growing pressure on CFOs operating in today’s increasingly complex financial environment, from geopolitical shocks to shrinking margins and fragmented data systems.

This conversation is created in collaboration with Pleo, and highlights their work in modernising the CFO’s office through real-time visibility, automated treasury workflows, and embedded finance capabilities that unify spend across the business.

Tony and Susanne dive deep into findings from Pleo’s Decision-Making Report 2025, including:

💡 Over 50% of UK decision-makers experience “decision freeze” due...

🎙️ In this episode of the London Fintech Podcast, Tony Clark sits down with Sid Powell, CEO of Maple Finance, to explore the rapid rise of onchain finance and what it means for the future of institutional lending, asset management, and global financial markets.

Sid explains how Maple is building institutional-grade borrowing and lending natively onchain, taking a different path from traditional finance players that rely on legacy rails. By using stablecoins, Bitcoin, and decentralized finance protocols, Maple is working to make lending faster, cheaper, more transparent, and more efficient—all while maintaining a rigorous focus on risk managem...

🎙️ In this episode, Tony sits down with Richard Squire, founder of My Finance Future, to explore how his FinTech startup is reshaping the way people plan their financial lives—not just for today, but for the decades ahead.

Richard shares his journey from a successful career in management consulting to building a platform designed to help individuals truly understand their long-term financial position. He explains why so many people begin planning too late, and how My Finance Future aims to solve this by giving users a clear, comprehensive view of their financial future before they make life-changing decisio...

🎙️ In this episode of the London Fintech Podcast, Tony Clark sits down with Dalal Buhejji to explore how Bahrain is fast becoming one of the most dynamic fintech hubs in the Middle East.

Dalal unpacks Bahrain’s rich legacy in financial services, now the largest contributor to its economy, surpassing oil and gas. She shares how the Bahrain Economic Development Board (EDB) supports global and local fintechs entering the market—providing investment facilitation, guidance, and an environment designed for innovation.

They discuss Bahrain’s unique regulatory model featuring a single financial regulator, which simplifies market entry and h...

In this episode of the London Fintech Podcast, Tony Clark sits down with Ben Brophy, Head of Institutional Growth, Europe at the Solana Foundation, to explore how the world’s fastest and most actively used blockchain is shaping the next generation of financial infrastructure.

Ben shares his journey from traditional finance—spanning roles at NatWest and Fidelity International—to leading Solana’s institutional adoption across Europe. They dive into how Solana’s high-performance, single-layer network is driving on-chain innovation at scale, and what it means for banks, asset managers, and payment providers now entering the blockchain era.

The c...

🎙️ In this episode of the London Fintech Podcast, Tony Clark sits down with Andy MacMillan, CEO of Alteryx, to explore how data, automation, and AI are reshaping the future of financial services.

With a background in enterprise software and data management, Andy shares how Alteryx has evolved into a leading platform helping organisations operationalise AI—turning raw data into actionable insight.

The conversation dives into what it takes to build trust in AI-driven systems, how financial institutions are integrating automation into both customer-facing and internal workflows, and why predictability and governance are critical to success.

Th...

🎙️ In this episode of the London Fintech Podcast, Tony Clark speaks with Symmie Swil, UK General Manager of Upvest, about the company’s role in financial technology and investment infrastructure.

Symmie shares her career journey, the development of Upvest, and how embedded finance is being integrated into modern financial services. The conversation covers financial literacy, the use of AI in financial operations, and the supportive environment for fintech innovation in the UK.

📌 Topics covered:• The growth of embedded finance in financial services• Symmie’s career path and leadership insights• The role of AI in financial operations• Financ...

🎙️ In this episode of the London Fintech Podcast, Tony Clark speaks with Dr. Paul Dongha, Head of Responsible AI & AI Strategy at NatWest Group, about the importance of AI governance in financial services.

With decades of experience in AI—from his early PhD research on autonomous agents to leading responsible AI initiatives at major banks—Paul brings both technical depth and practical expertise to the conversation. He shares insights from his new book "Governing the Machine", co-authored with leading global AI advisors Ray Eitel-Porter and Miriam Voge, and promoted by figures such as Andrew Ng, Reid Hoffman, and the C...

🎙️ In this episode of the London Fintech Podcast, Tony Clark speaks with Mike Brennan of Finch Capital and AI innovator Parsa Ghaffari about the evolution of fintech in Europe and the impact of AI on financial services.

They discuss the development of new fintech hubs, the integration of AI across business functions, and how regulation and technology are shaping operating models.

The conversation also explores the concept of “peak engineering” and what it could mean for the next phase of digital transformation in finance.

📌 Topics covered:

The changing fintech land...

🎙️ In this episode of the London Fintech Podcast, Tony Clark speaks with Scarlett Sieber, Chief Strategy & Growth Officer at Money20/20, about the role of global industry gatherings in financial services.Scarlett discusses her career journey from banking innovation to leading strategy at Money20/20, and shares perspectives on collaboration across the sector.

The conversation covers the return of in-person events, trends in AI and fraud prevention, blockchain use cases, and the influence of technology companies on finance.

📌 Topics covered:

• Industry collaboration through fintech conferences

• Scarlett’s background in banking and fintech innovation

• In-pers...

🎙️ In this episode of the London Fintech Podcast, Tony Clark sits down with Rob Stone, General Manager of Intelligent Automation and Analytics at SS&C, to explore how AI, automation, and digital assets are reshaping the future of asset servicing and investment management.

Rob shares his journey with SS&C—from joining in 2010 when the firm was valued at $1 billion, to helping scale it into a $20+ billion leader at the intersection of technology and operations. He explains how SS&C’s unique dual role as both a technology provider and an operator creates a powerful competitive advantage in financ...

In this episode of the London Fintech Podcast, Tony Clark sits down with Sandy Kaul, Executive Vice President & Head of Innovation at Franklin Templeton, to explore how tokenisation, smart contracts, and wallet-based ecosystems are set to redefine the future of finance.

Sandy shares her extensive background at the intersection of finance and technology, explaining how the industry is moving from traditional account-based systems to decentralised, wallet-driven models. They dive into the transformative power of tokenisation for equities, bonds, and other financial instruments, as well as the potential of smart contracts to automate and streamline transactions.

<...

️In this episode of the London Fintech Podcast, Tony Clark sits down with Robb Wilson—pioneer in AI, experience design expert, and author—to unpack the rapid evolution of artificial intelligence and what it really means for the future of financial services.

Robb shares why simulation is the next big leap in AI, how outbound and agentic AI will redefine customer interactions, and why the industry needs to stop bolting AI onto outdated systems. Drawing from years of experience building platforms for smarter machines, Robb argues that success with AI requires rethinking objectives, embracing foundational design, and prepar...

In this episode of the London Fintech Podcast, Tony Clark sits down with Staci Warden, CEO of the Algorand Foundation, to explore the future of crypto, stablecoins, and the role of blockchain in building more inclusive, efficient financial systems.

Staci shares her journey from Wall Street and the U.S. Treasury to leading one of the most innovative blockchain foundations in the world. The conversation dives deep into how stablecoins work, what makes them trustworthy, and why Algorand’s energy-efficient, secure platform is well-positioned to power the next generation of decentralised finance.

Th...

In this special AI episode of the London Fintech Podcast, Tony Clark explores the transformative impact of AI in financial services—from practical applications to regulatory challenges, and everything in between.

As AI adoption accelerates, Tony goes through a number of key insights covering what it takes to implement AI responsibly, how firms are moving from narrow to generative and Agentic AI models, and why data quality, ROI, and explainability are critical for success.

We discuss real-world use cases, how leading institutions are embedding AI into their operations, and wh...

In this episode of the London Fintech Podcast, Tony Clark sits down with Elizabeth Rossiello, CEO and founder of AZA Finance, to explore how she's reshaping cross-border payments and foreign exchange across frontier markets in Africa and beyond.

Elizabeth shares her journey from Wall Street to Nairobi, her groundbreaking work with BitPesa in launching digital currencies, and how AZA Finance is solving real-world problems through infrastructure, innovation, and deep local expertise. The conversation highlights the challenges of building a fintech across diverse and volatile markets, and the importance of representation, resilience, and culture in...

In this episode of the London Fintech Podcast, Tony Clark sits down with Mia Drennan, founder of Global Loan Agency Services (GLAS), to explore her remarkable entrepreneurial journey—from launching a business with just £6,000 to building a global company with over 400 employees managing $500 billion in assets.

Mia shares what it takes to succeed as a female founder in a male-dominated fintech space, the evolution of loan agency services, and how innovation and digital transformation are driving the next chapter for GLAS. She reflects on the importance of resilience, building a strong network, and advocating for...

In this episode of the London Fintech Podcast, Tony Clark sits down with Pete Wickes, General Manager for Global Enterprise at Worldpay, to unpack the fast-evolving landscape of payments and the innovations redefining how money moves around the world.

Pete shares insights from his extensive experience leading Worldpay’s global operations, exploring the rapid acceleration of digital payment methods, the rise of wallets and account-to-account transactions, and why understanding consumer behaviour is crucial for innovation. The conversation highlights Worldpay’s role in powering billions of transactions globally and how merchants today have more choice than...

In this episode of the London Fintech Podcast, Tony Clark sits down with Andrew McKibben, Head of International Technology and CIO for Global Corporate & Investment Banking at Bank of America, to explore how one of the world’s largest financial institutions is using technology, AI, and innovation to stay ahead in a rapidly changing industry.

Andrew shares insights on the strategic role of technology in banking, how AI and machine learning are reshaping financial services, and why customer-centric innovation is key to long-term success. He also discusses the challenges of modernising legacy systems, the im...

In this episode of the London Fintech Podcast, Tony Clark is joined by EJ Achtner, former Group Head of Generative AI Capabilities at HSBC, to explore the transformative power of AI in the financial services industry. They delve into what it really takes to implement AI at scale in highly regulated, complex environments and the potential challenges and opportunities this presents.

EJ shares insights into leading enterprise-level AI transformation, from the early days of tools like ChatGPT to establishing robust governance frameworks and aligning AI strategies with business goals. The conversation goes beyond the...