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The Connector.

Author: Koen Vanderhoydonk (The Connector)

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Welcome to the connector podcast, an ongoing conversation connecting FinTechs, banks and regulators worldwide. Join CEO and founder Koen Vanderhoydonk as you learn more about the latest available trends and solutions in the markets.
135 Episodes
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Understanding the role of AI in enhancing wealth management, this episode explores the evolving trends shaping the financial landscape. We dive into goal-based investing, the rising influence of women in wealth tech, and the need for robust cybersecurity measures. • AI as a powerful tool in personalized finance • Global economic outlook highlights regional disparities • Dividend payouts are set to reach record highs in 2025 • The shift towards goal-based investing strategies • Poland's...
Deals worth millions still start with a handshake, even as AI prices risk in milliseconds. We dive into Finance X’s milestone 20th edition to map how insurance is shifting from shiny apps to deep architecture—modern MGAs that wrap legacy balance sheets with real-time data, AI underwriting engines, and API-driven distribution. We explore why authenticity is the scarce signal in a world of perfect pitches, how events flip mindsets from inbox defense to open discovery, and why only a small slice...
Your money choices no longer start inside a banking app—they start with a question to an AI. We unpack how that single shift rewires the entire financial stack: banks scramble to reclaim the decision moment with governed insights, advisors fight the “swivel chair” of disconnected tools, and investors treat digital businesses like rental properties while silver surges on AI and solar demand. We walk through the new playbook for banks: stop being a toll booth and become a trusted guide. That m...
The ground under finance moved, and most people only felt a rumble. We spent 2025 translating messy tech estates into DORA‑ready living registers, turning spreadsheets into real‑time risk maps, and discovering that fintech isn’t a sidecar anymore—it’s the engine. When a major processor or open banking provider hiccups, payments across entire regions stall. That’s why regulators accelerated, why critical third parties now face continuous oversight, and why instant payments became Europe’s quie...
Money now moves at machine speed, and the rules of trust, identity, and loyalty are being rewritten in real time. We break down how banks are collaborating on shared utilities, why a 20-character LEI is becoming a passport for cross-border payments, and where BNPL’s rapid growth collided with transparency as FICO pulls installment data into mainstream credit scoring. Along the way, we explore why a checkout that ignores local habits can sink conversion, with Poland’s BLIK and parcel lockers a...
The hype cycle is over; the results era is here. We unpack how finance moves from shiny demos to measurable outcomes by pairing agentic AI with the enterprise plumbing that actually makes change stick: orchestration, shared standards, and rigorous governance. Along the way, we confront the 93% project failure narrative and show why a simple time filter—necessary, automatable, delegable—cuts through noise and aligns work with true ROI. We walk through real examples that shrink lending cycle t...
Finance is being fundamentally rebuilt and re-architected as credit becomes woven into our digital lives rather than something we seek out separately. This shift toward invisible, embedded finance is changing how individuals and businesses access and manage money, with fintechs often leading the charge. • Invisible lending is embedding finance directly into digital experiences like e-commerce checkouts and business software • Traditional banks risk becoming less relevant if they don't adapt ...
Finance is undergoing a radical transformation that's redefining how we think about money, technology, and trust. The latest edition of Finance X Magazine pulls back the curtain on these changes, revealing a landscape where artificial intelligence has moved from experimental to essential. The numbers tell a compelling story: 85% of Belgian financial institutions now maintain dedicated AI units—a staggering jump from just 37% last year. This isn't superficial adoption; it's a fundamental stra...
The financial world stands at a profound inflection point as traditional boundaries dissolve and banking transforms from destination to ubiquitous infrastructure. Finance X Magazine's latest issue unveils how financial services are becoming invisible yet omnipresent, embedding seamlessly into the platforms where we already spend our time. At the foundation of this revolution lies data standardization through the Legal Entity Identifier (LEI), described as a "global data linchpin" that create...
The financial landscape is undergoing dramatic transformation. From Asia's strategic pivot toward Europe to revolutionary approaches in fighting financial crime, every aspect of finance is being reimagined through technology. At the heart of this evolution is a fascinating shift in global financial partnerships. Asian institutions are increasingly looking to Europe rather than the US, seeking stability and complementary strengths. This creates a powerful synergy: Asia's cutting-edge digital ...
The future of finance is unfolding at breakneck speed, especially in the German banking and fintech landscape heading toward 2025. As we explore this rapidly evolving terrain, we discover a fascinating paradox: despite significant economic headwinds including pandemic aftereffects and inflation, German fintech funding has surged to $8.2 billion, representing a remarkable 4% increase. What's driving this resilience? A historic €1 trillion investment package approved by the German parliament c...
Our 10th episode dives into the exciting intersection of insurance and technology, exploring innovations within the InsurTech landscape. We celebrate milestone achievements while uncovering key themes of balancing reliability with digital transformation. • Exploring the significance of InsurTech in reshaping traditional practices • Highlighting Vee Finance's layered strategy for effective digital transformation • Discussing cybersecurity importance and NIS2 regulations for SMEs&n...
What are the secrets behind skyrocketing sales in the fintech world? Join us for a thrilling conversation with James and Richard from Humble Technology as they unlock the mysteries of scaling sales in the ever-evolving fintech landscape. You’ll hear firsthand from James about his incredible journey from a successful project at ICAP to launching Humble Technology and learn how a world-class product and strategy are just the beginning. Richard, with his vast experience in financial services and...
Tired of brittle report pipelines that buckle under volume and stall behind IT tickets? We sit down with Marko, CEO of CxReports, to unpack how modern teams automate client statements, invoices, and performance reports at massive scale without sacrificing security or brand consistency. From the first spark of buyer frustration to a confident, phased migration, we trace the path that moves organizations off legacy tools and into a streamlined, API-driven workflow. Marko explains why automatio...
We map how Belgium’s e‑invoicing mandate and EU initiatives like VIDA, PSD3, and PSR are changing payments, and why compliance delivered via APIs is now a competitive product. We also unpack AI’s impact on onboarding, verification of payee (VoP), and the push for lower, more sovereign fees. Join us for a podcast with Cedric, CEO of Digiteal. • API-based payments, e‑invoicing, QR, and open banking • Belgium’s Peppol mandate and fast adoption • VIDA and the road to cross-border e‑reporting • C...
We unpack why KYC in payments became so heavy and how to make it almost invisible with data orchestration, deep KYC, and thoughtful UX. NABU’s approach prefills profiles from trusted sources, uses AI to verify the real world, and gives analysts clear, auditable evidence. • mission to move from onboarding to no boarding • why payments face extra AML and sanctions scrutiny • balancing seamless UX with regulatory obligations • EU AMLD6, UBO access, and national eID schemes&nbs...
We sit down with Xavier Corman to unpack how Finrack turns inventory into financeable collateral using real-time pricing and a sale-and-buyback model. The conversation spans EU cross-border advantages, practical AI, and why better inventory KPIs drive both growth and sustainability. • founding story and links to FinTech Belgium and EDFA • the SME financing gap when inventory is the asset • how real-time pricing enables flexible funding • case study of an organic bakery scaling seasonal outpu...
We explore with Alexander from Solanteq, what makes a payments platform truly modern: cloud-native, modular, API-first, and regulation-ready, with the ability to scale from small pilots to global volume. We share a vision for “payment autopilot” and how multi-rail orchestration and AI can make payments feel invisible. • Cloud-native, modular architecture for issuing, acquiring and settlement • API-first integration with legacy and new systems • Compliance by design and predictable audits • D...
We explore how fintechs can move fast without breaking compliance, turning frameworks like DORA, NIS2, ISO 27001, SOC 2, and PCI DSS into a shared foundation for resilience. Copla’s blend of automation and expert guidance shows why continuous audit readiness beats fire drills and how vendor risk can be managed at scale. • origin story and why compliance pain inspired Coppla • mapping across frameworks, including DORA, NIS2, ISO 27001, SOC 2, PCI DSS, MiCA • automation plus expert support for...
We dig into how AI changes the risk surface for banks and fintechs and why identity must be designed from the start. Sutton Maxwell of Curity shares how to set API guardrails, balance friction with trust, and choose hybrid architectures that meet regulation without killing speed. • What Curity does for API security and identity • Why AI pilots fail without early security design • Common mistakes when teams bolt on controls late • How to balance UX with risk‑based friction • US speed vs EU re...
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