In this episode we explore the transformative potential of Agentic AI in the financial services industry.
We explore how this emerging technology is enhancing personalisation, optimising operational processes, and redefining financial inclusion. We look into areas such as customer support with conversational AI as well as the transformation of risk modelling and compliance.
We discuss whether Agentic AI is paving the way for a smarter, more connected financial ecosystem.
Guests:
A conversation live from Money20/20 2025 in Amsterdam with 4 fintech businesses, part of a Scottish delegation that saw 10 fintechs exhibiting at Europe's largest fintech conference led by Scottish Development International and FinTech Scotland.
Dan from CreditNature, David from BigSpark, Jamie from Aveni and Michael from Transwap offer their views on the conversations they've had, the speakers they've listened to and reflect on the impact that Money20/20 can have for their business.
Set to reshape how financial entities across Europe and beyond approach digital resilience, DORA is more than just another compliance requirement, it’s a game-changer for fintechs, financial institutions, and third-party service providers.
What does this mean for UK fintechs, particularly in a post Brexit landscape? How can firms prepare, adapt, and turn compliance into a competitive advantage?
In this podcast we break down everything UK fintechs need to know about DORA, from key requirements to practical implementation strategies.
Participant-Rob Mossop – Chief Digital Officer (CDO) at Sword Group
-Luke Scanlon - Head of Fintech Propositions, Legal Director, Pinsent Masons
-Mick O’Connor – Founder and CEO at Haelo
The global shift towards digital payments is accelerating, with cash usage declining year after year.
From contactless transactions to mobile wallets and cryptocurrency, digital payments are reshaping the financial landscape.
Are businesses and consumers fully prepared for a digital-only economy? What are the risks of excluding those who rely on cash? With 1.2 million people in the UK still reliant on cash, concerns around financial inclusion, cybersecurity, anddigital resilience remain.
In this episode, we examine the implications of a cashless future, hear expert insights on the opportunities and challenges, and discuss whether the world is truly ready toleave physical money behind.
Guests:
The payments landscape is going through major transformation. PSD2 has been disruptive and with the anticipated arrival of PSD3 a lot of questions are still to be answered. What does PSD3 mean for fintech businesses, banks, merchants, and consumers?
In this episode, we explore the upcoming regulatory shifts, the opportunities and challenges they present, and what the future of payments might look like beyond PSD3. Will this be an evolution or a revolution?
How will Open Banking, embedded finance, and digital walletsbe impacted? And is regulation moving too fast, or not fast enough?
With Ann Zheng, Associate at Pinsent Masons
In this episode, we explore the complex challenges and opportunities that organisations face in delivering greater transparency, fairness, and accountability.
As the industry evolves, both fintechs and established financial institutions must navigate these demands to not only meet regulatory requirements but also to exceed them through innovation, ethical practices, and customer-centric strategies.
With Sajedah Karim - Partner at PwC. Sajedah
Joseph Twigg - CEO at Scottish fintech Aveni
John Finch – Professor of Marketing (B2B) at the University of Glasgow's Adam Smith Business School, and Associate Dean (East Asia) at the University of Glasgow's College of Social Sciences.
Join us for the second episode of the FinTech Scotland Podcast’s special series on financial crime, produced in collaboration with our strategic partner BT. This episode looks into the growing and sophisticated threat of messaging fraud, a pressing issue in the financial sector.
Charlotte Moir from BT is joined by Kevin Britt, Product Manager for Messaging at BT, and Paul Maskall, Strategic Fraud Prevention and Behavioural Lead Principal at UK Finance. Together, they unpack why messaging fraud is surging, explore why individuals and businesses continue to fall victim despite increased awareness, and reveal innovative measures being developed to stay ahead of the fraudsters.
We also speak about the exciting work happening in FinTech Scotland’s Financial Regulation Innovation Lab in Glasgow. With major financial institutions like Morgan Stanley, HSBC, and Virgin Money setting challenges, fintechs and tech innovators from around the globe are stepping up to collaborate and tackle financial crime.
In this episode we’re diving into the Consumer Duty Regulation and the opportunities that outcomes-based regulation opens for innovative solutions that can enable financial services to maximise positive outcomes for all customers and in turn create economic and social growth.
The Financial Regulation Innovation Lab has launched its third innovation challenge focusing on that topic with 14 financial services partners ranging from banks, building societies and credit unions.
NatWest have been a keen supporter of this challenge seeing to harness the brightest ideas in fintech and to bring industry together on this key topic.
Today, we'll explore what this means for financial services organisations, for the millions of people across the country who are customers of Financial Services firms and how innovation and ambitious fintechs are already making a difference.
With:
Will Kerr, Head of Customer Outcomes
Samantha Brand Customer Lead Innovation & Partnerships
This is the inaugural episode of a special FinTech Scotland Podcast Series, co-hosted with with Charlotte Moir fromBT.
This episode highlights the launch of the new FinCrime Innovation Programme, tackling the pressing issue of fraud and financial crime.
We’ll unpack the impact of fraud in 2023, with £460 million lost to APP fraud in the UK, and discuss the implications of the new PSR mandatory reimbursement scheme introduced in October 2023. This landmark change enforces stricter rules within Faster Payments, ensures a shared responsibility between payment firms, and provides enhanced protections for customers, especially the vulnerable.
Our guests bring diverse insights into the fight against fraud:
• Lauren Cassells, Research & Programme Innovation Manager at FinTech Scotland, discusses the collaborative efforts of the FRIL initiative and its industry-wide engagement.
• Brian Webb, Chief Security Officer for Consumer at BT, shares BT’s strategies in combating fraud and fostering innovative partnerships.
• Paddy O’Keefe, Economic Crime Public & Private Partners Manager at Virgin Money, explores Virgin Money’s initiatives to ensure comprehensive fraud reporting and prevention.
Open Finance is set to unlock a new level of transparency, accessibility, and control for consumers, businesses, and financial institutions. But what does this mean for the future of the financial ecosystem, and how will key players navigate the opportunities and challenges that come with it? We discuss what Open Finance really means, the progress made so far, and what the future holds for consumers, fintechs, and traditional banks alike.
Guests:
Ezechi Britton – CEO at the Centre for Finance, Innovation and Technology (CFIT)
Jen Lothian – Founder at MyArk
In this episode of the Fintech Scotland podcast, host Mickael Paris discusses the rise of digital wallets with guests Tim Sabanov, Maxim Galash, and Bill Buchanan. The conversation explores the definition of digital wallets, the key drivers behind their rise, the role of digital identity, and the impact of regulation. The guests highlight the importance of education and strong use cases for mass adoption, as well as the potential of digital wallets to address financial inclusion for the unbanked population.
In this episode of the Fintech Scotland podcast, host Mickael Paris discusses the intersection of open finance and generative AI with industry experts. The conversation explores the potential of generative AI to provide personalized financial advice, the regulatory challenges that accompany these innovations, and the importance of maintaining consumer trust in AI-driven financial services. The guests share insights on the evolution of robo-advice, the future of financial services, and the role of regulation in fostering innovation while ensuring consumer protection.
In this episode we speak with Mark Hadfield from "Meet the 85%", Manuel Maqueda from Harvard University, strategic adviser Max Nokhrin and Victor Milligan from Cairnbridge Advisors about the current state of ESG and associated regulations. What are their insights and recommendations? What the FinTech Scotland's Financial Regulation Innovation Lab can deliver and their hopes for the programme.
In this episode Richard Nicol from the Phoenix Group and Tom Mcfarlane from EY speak to us about the ESG challenges they are facing and why they decided to join the Financial Regulation Innovation Lab programme to find solutions to those challenges as well as what they are looking for with applicants.
To apply for this innovation call visit this page.
In this podcast, our partners at Label Sessions interviewed Antony Brookes and Ruairidh Patfield from abrdn to hear about their experience of getting involved in the Financial Regulation Innovation Lab's first innovation call.
Alongside Tesco Bank, Virgin Money, Morgan Stanley and Deloitte they worked with the University of Glasgow and the University of Strathclyde to reshape financial compliance through AI and emerging technologies.
Calling fintechs from around the world to get involved they selected 5 of them to partner with. In this podcast we also hear from those 5 organisations with:
Callum Murray (Amiqus)
Mick O'Connor (Haelo)
Daniel munro (Level-E)
Neil Sinclair (Pytilia)
Simon Dix (DX Compliance)
To apply for our new Innovation Challenge on reshaping ESG in Financial Services visit https://www.fintechscotland.com/what-we-do/financial-regulation-innovation-lab/shaping-the-future-of-esg-in-financial-services/
We're at Money2020 and we sat down with Maysara Hammouda, Founder and CEO of Scottish fintech Predictiva. We spoke about his solution that uses AI in the trading sector, his views on the future of AI and the future of trading and the real benefits and challenges poised by the development of AI.
In this episode we spoke with Megan Grant from Edinburgh-based fintech Appointedd about Consumer Duty and the role that new innovative technologies can play in supporting established financial firms meet those new requirements.
At the end we also mentioned Megan's next challenge, swimming the channel to raise money for charity. To support her follow this link. https://www.justgiving.com/page/megan-grant-channel-swim
In this episode, we explore the role of Artificial Intelligence (AI) in streamlining compliance within the financial sector, showcasing the Financial Regulation Innovation Lab.
We discuss the future of financial compliance, enriched by AI's capability to automate and innovate. This episode is for anyone interested in the intersection of technology, finance, and regulation, offering insights into the collaborative efforts shaping a more compliant and efficient financial landscape.
Guests:
Episode recording with Fintech Australia.
Fintech has emerged as a transformative force in the financial sector, offering innovative solutions that not only enhance financial services but also address broader societal issues, including environmental sustainability, customer vulnerability, and overall financial well-being.
Those objectives are heavily featured in the Research & Innovation Roadmap that we published 2 years ago.
In Scotland, we have an important number of fintechs addressing those challenges. In fact, the majority of Scottish fintechs are fintech for good.
Today we’ll take some time to consider how those organisations are driving positive changes.
Guests:
Ren Hooi, Founder and CEO at Lightning Reach
Robin Peters, Co-founder and CEO at Snugg
Sheila Hogan, Founder and CEO at Biscuit Tin
In the ever-evolving landscape of fintech, securing Series A investment is a crucial milestone. Raising investment is much more than just about the money and we’re going to explore what that means in this episode.
We will delve into the crucial stage of Series A fundraising for fintech companies and speak about investor mindset, pitching, challenges and pitfalls.
This episode is for fintech entrepreneurs gearing up for Series A, investors keen on the latest trends, and anyone curious about the intersection of finance and technology. Participants
Guests:
Jason Cohen – Associate Director - Corporate Finance at PwC UK
Royston Hoggarth - Chair at Stellar Omada Limited