In this episode of The Change Dude podcast, Saeed Rafay explores how the digital world is reinventing itself to meet the planet’s sustainability goals. From carbon-aware computing and green software engineering to Europe’s push for climate-neutral data centres and energy-efficient AI, this episode dives into the technologies, policies, and mindsets shaping a sustainable digital future. Drawing on the latest 2025 research, he unpacks how cloud giants, policymakers, and innovators are racing to decarbonise the digital economy—and what it means for the rest of us who build, use, and rely on technology every day.
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Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.
In this episode of The Change Dude podcast, Saeed Rafay explores how artificial intelligence is transforming finance from automation to full autonomy. He unpacks how AI agents are already managing investments, approving loans, and mitigating risk across Europe — and what this means for the future of banking, regulation, and trust. As 2026 approaches, Saeed examines how leaders can balance innovation with oversight in a world where money no longer just follows commands, but begins to think for itself.
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Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.
AI is no longer a playground for big tech. Across the UK and Europe, small and mid-sized businesses are quietly transforming customer service, sales, operations, and manufacturing with practical, ROI-driven AI. In this episode, Saeed Rafay unpacks real case studies—from a UK retailer cutting refund delays by 70% to a Dutch EdTech platform slashing response times by 84%—and explores how SME leaders are turning everyday data into measurable impact. Learn what separates AI success from stalled pilots, why strategy matters more than hype, and how your business can start seeing results in just 90 days.
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---Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.
As Cybersecurity Awareness Month 2025 unfolds, The Change Dude dives deep into the new cyber frontier—where Artificial Intelligence, Blockchain, and Quantum Computing are redefining both innovation and risk.
In this episode, Saeed Rafay unpacks how AI is fueling a new wave of intelligent attacks and defenses, how blockchain is reshaping digital trust, and why the coming quantum era could rewrite the rules of encryption forever.
From small businesses to global enterprises, cybersecurity has become everyone’s business. Discover what “Secure Our World” really means in a world where the lines between progress and peril have never been thinner.
Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.
The European Central Bank is preparing to launch the Digital Euro—one of the most ambitious financial projects in Europe’s history. But what does it really mean for citizens, businesses, and governments? In this episode, Saeed Rafay unpacks the journey from the idea’s inception to its current 2025 status, explores privacy concerns, financial risks, and geopolitical stakes, and highlights the opportunities it could create for payments, innovation, and Europe’s digital sovereignty.
Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.
In this episode of The Change Dude, Saeed Rafay gives a practical, 90-day blueprint to reinvent your tech career without burning out. You’ll get a clear framework for choosing a North Star, building an evidence portfolio, running low-risk experiments, and protecting your energy so change sticks.
Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.
Buy Now, Pay Later has transformed the way we shop, especially in Europe, but is it a smart tool for financial flexibility or a growing debt trap? In this episode, I dive into the global BNPL boom, the rise of players like Klarna and Afterpay, and the new wave of regulations reshaping the industry. We’ll explore how Gen Z and Millennials are driving adoption, the risks of hidden debt, and what policymakers are doing to protect consumers. Tune in to understand whether BNPL is the future of payments or a convenience with hidden costs.
Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.
AI is reshaping the cyber threat landscape, and startups and SMEs are often the most vulnerable. In this episode, Saeed Rafay unpacks how AI-powered attacks are evolving, why small businesses are prime targets, and what practical steps they can take to build resilience. From EU regulations like NIS2 to global best practices, discover how to turn cybersecurity from a cost burden into a survival advantage — and how to use AI as a shield, not just a threat.
Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.
Continuing the conversation from episode 57, Saeed Rafay dives deeper into building a transparency stack for AI that aligns with NIST and EU AI Act requirements. He explains how enterprises can design attestation systems, measure impact, and avoid pitfalls. From case studies to leadership conversations, cultural shifts, and the future of verifiable compute, this episode shows how organizations can move from glossy principles to verifiable governance, and why transparent AI is becoming a business advantage, not just a compliance obligation.
Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.
In this episode, Saeed Rafay explores why AI systems are often seen as “black boxes” and how blockchain can provide the missing transparency. He breaks down the trust gap enterprises face, the risks of opaque AI, and the potential of blockchain to create tamper-evident records for data, models, and content provenance. The discussion also covers real-world adoption trends, regulatory pressures like the EU AI Act, and the C2PA standard for trustworthy media.
Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.
In this episode of The Change Dude, Saeed Rafay breaks down five research-backed ways to use generative AI for hyper-personalization that can double audience engagement. From crafting content that feels truly personal to adapting user flows, tailoring product experiences, and reducing noise with adaptive frequency, Saeed shares practical strategies, real-world examples, and ethical guardrails for implementing GenAI personalization at scale.
Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.
In this episode of The Change Dude, Saeed Rafay explores five powerful mental models—drawn from philosophy, decision science, and real-world case studies—that can transform the way you think and act. From understanding why the map is not the territory to harnessing the power of compounding, each model is explained with research-backed insights and practical examples you can apply immediately to improve your decisions, career, and life.
Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.
In this episode, Saeed Rafay explores how GenAI and Agentic AI are reshaping the tech industry, and what it means for your career. Whether you're a seasoned developer or just starting out, you'll learn how to adapt, stay relevant, and build a future-proof career by evolving from code-centric roles to orchestrating intelligent systems. This is your new playbook for thriving in the AI-powered era.
Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.
As AI tools like ChatGPT and Copilot reshape the way we write software, many are asking: is human coding becoming obsolete? In this thought-provoking episode, Saeed Rafay explores the evolving role of developers in the age of AI. From industry trends and real-world stories to ethical dilemmas and future-proof mindsets, this episode is a wake-up call for anyone building—or planning to build—a tech career in a world where machines can code.
Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.
One year. 52 episodes. Countless lessons. In this special anniversary episode, Saeed Rafay reflects on the personal journey behind The Change Dude — from becoming a first-time father to battling impostor syndrome, building momentum with zero budget, and staying consistent through chaos. This is the honest story of how showing up every week transformed not just a podcast, but a person.
Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.
In this episode of The Change Dude, we explore what it means to be a founder in the GenAI era. From building in a rapidly evolving tech landscape to navigating the ethical, cultural, and regulatory dimensions of AI-native startups—this episode unpacks the new mindset, opportunities, and responsibilities shaping tomorrow’s entrepreneurs. Whether you're already building or just thinking about starting, this is your roadmap to launching with purpose, resilience, and clarity in the age of intelligent machines.
Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.
In this deep-dive, Saeed Rafay unpacks the European Commission’s bold new startup and scaleup strategy, Choose Europe to Start and Scale. From past fragmentation to present opportunity, this episode traces Europe’s journey through innovation valleys, regulatory complexity, and cultural headwinds—culminating in a transformative vision for a unified, founder-friendly ecosystem. Whether you're a startup founder, investor, policymaker, or curious observer, this is your essential guide to understanding where Europe’s tech future is headed—and how you can be part of it.
Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.
In this mind-expanding episode of The Change Dude, Saeed Rafay takes you deep into the world of quantum computing — a technology that could reshape everything from medicine and AI to national security and global finance. Discover how qubits, superposition, and entanglement are unlocking powerful possibilities while raising urgent ethical and geopolitical questions. It's not just a tech breakthrough — it's a turning point. Tune in to explore the promise, the perils, and the profound impact of the quantum leap.
Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.
In this episode of The Change Dude, Saeed Rafay explores how the convergence of Generative AI and Agentic AI is reshaping the Internet of Things. From smart cities and autonomous logistics to predictive healthcare and energy grids, discover how these AI breakthroughs are transforming connected devices into intelligent, goal-driven systems. Dive deep into the technologies, challenges, and the future of an IoT powered not just by data—but by real intelligence.
Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.
In this episode of The Change Dude, Saeed Rafay unpacks the Model Context Protocol (MCP) — a foundational innovation enabling next-gen AI agents to act with memory, autonomy, and purpose. Discover how MCP bridges the gap between large language models and real-world execution, why it’s different from traditional APIs, and why it’s quickly becoming essential to building intelligent, goal-oriented systems. If you’re curious about the architecture behind the AI agents of tomorrow, this is your deep dive.
Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.
