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Creating a startup in any sector is a challenge. But given the level of technology, regulation, and specialist knowledge required, creating a successful business in the fintech space is even more complicated. But thanks to technology partners (and competitors that are always on the lookout for new innovations), visionaries in fintech don't need to go it alone when trying to bring their products to market, making entrepreneurialism in fintech a truly unique pursuit.On today's episode of Financial Futures, we delve into the world of entrepreneurialism in fintech to find out how startups can set themselves up for success in the fintech space. We hear from an entrepreneur about their own journey to market and learn about the challenges and opportunities in the current investment climate.Joining us today are CEO of Cashplus, Rich Wagner, and SVP of banking and payments Europe at FIS, Silvia Mensdorff-Pouilly. They reveal what makes the fintech space such a unique, lucrative and collaborative market for startups to break into, and Rich details his own journey of taking his idea to market. Plus we'll learn how technology partners can help startups to actualize their innovations.We'll also ask: What's it like being an entrepreneur in the fintech space? Why is it important to keep your competitors close when bringing new products to market? Which skills and attributes do entrepreneurs in fintech need to be successful? What are the benefits of innovating during a time of market instability? How do you spot opportunities to innovate? What are investors' priorities when making investment decisions?
ESG has become an increasingly important factor for investors over the years, but, recently, it's become a top priority for customers, and even employees, too. And with this increased pressure to be seen to be doing good, financial institutions are looking for new ways to improve their environmental, social, and governance credentials. However, finding ways to boost these efforts aren't always easy wins and organizations need help to work out where improvements can be made - and this is where transformative business process optimization can help.In this episode of Financial Futures, we learn how transformative BPO is helping financial institutions not only to streamline their processes and find new efficiencies, but also how it is facilitating organizations' ability to meet their own ESG goals. We debunk some of the myths around BPO and we explore a real-life example of one institution's journey to better ESG through Transformative BPO.Joining us today are sales lead of business process transformation and resourcing at FIS, Simon Penny, and SVP of banking and payments Europe at FIS, Silvia Mensdorff-Pouilly. We discuss why ESG is so top-of-mind for everyone from investors to customers, and we reveal why good ESG starts with a thorough self-assessment of processes.We'll also ask: How do ESG and transformative BPO go hand-in-hand? What is the difference between transformative BPO and outsourcing? Why is ESG important for financial institutions? Where can transformative BPO  help financial institutions? How should organizations evaluate their ESG strategies? Why is it important for institutions to appoint their own head of ESG?
Forming good habits takes time. But for some young people, forming the right ones around managing finances happens either far too late, or not at all. And as new financial products emerge, and as our relationship with cash becomes more abstract, the task of teaching children how to manage money is getting more complicated. So complicated in fact, that even the schools can't keep up. But what if learning how to balance the books wasn't just left up to the schools? What if institutions could help share the load?In this special three-part series of Financial Futures, we're exploring the work FIS is doing by partnering up with fintechs and entrepreneurs to shape the future of the financial services industry. And on today's episode, we learn how one institution is taking on the mission of teaching young people how to manage money, and we ask who should be responsible when it comes to educating children about finances. We also find out how good financial education helps to promote financial inclusivity, and we discover the societal benefits that come with having a money-matter-savvy young population.We'll be joined by co-founder and COO of goHenry, Louise Hill, and SVP of banking and payments Europe at FIS, Silvia Mensdorff-Pouilly, to discover how goHenry is bridging the financial education gap in young people's learning, and to find out how the financial services industry is proactively trying to foster a more financially inclusive society.We'll also ask: How does better financial knowledge help in securing a better future for young people? What do institutions need to do to create a financially inclusive society? How do we teach children to form good money-management habits? What are the pillars of strong financial education? Who is responsible for teaching young people to manage money? How has going cashless affected children's understanding of money? How is goHenry helping young people to learn about money in a safe environment?
For every successful technological solution, there are dozens more relegated to history. Betamax, Zune mp3 players, Google Glass. All three were part of industries that saw enormous success (home video, digital music, and augmented reality); however, these products never won the battle for supremacy. So what separates the successes from the failures? What makes a trend long-lasting? And how do you determine which new technologies to place your investment dollars in?In short, how do you identify the right disruptive themes and key trends?In this episode of Financial Futures, we examine the emerging trends, themes, and technologies that could form the groundwork for the future of financial services. We find out how institutions can distinguish between game-changing trends and flavors of the month, and we ask what organizations can do to future-proof their investments and back the right emerging technologies.In today's episode, we speak with Vice President of Future Exploration and Ventures at FIS, Ed Barker, to find out how institutions can look to the past to make better predictions about the future. And we'll find out how investors and fintech founders can set themselves up for success in economically volatile times.We'll also ask: How can financial institutions separate important trends from all the noise? What are the current themes affecting the financial services sector? How could emerging technologies transform the way consumers interact with financial services? What will the rise of embedded finance mean for traditional financial institutions? How will the cooperation between startups and corporates drive the evolution of fintech?
Finance 2030

Finance 2030


The next generation of fintech is just around the corner. Gen one brought financial institutions greater technological integration during the dot-com boom, and gen two delivered traditionally in-person functions digitally thanks to the use of APIs and the cloud. But gen three will bring the financial services industry into a new era, building upon the successes of gen one and two to enable the greatest user and institution experience yet.In this episode of Financial Futures, we take a look at the development of financial services over the last 30 years and examine the advances taking place to define the future of finance into 2030 and beyond. We learn all about the technological milestones and societal shifts that are influencing change within the fintech industry, and we’ll hear how institutions will respond to changing consumer attitudes and the never-ending innovations within the financial space.In today's episode, we speak with SVP and global head of venture investment at FIS, Stephane Wyper to find out what gen 3 will mean for customers, institutions, and even society. We'll explore the advances and attitudes that will shepherd in this new age of fintech and find out how the digital and physical will combine, making financial services truly omnichannel.We'll also ask: What is fuelling innovation and the change in customer attitudes? What are the factors affecting new technology adoption? Where do cloud and API technology fit into the third generation of fintech? What is developer-less integration? What will the financial services industry look like in 2030? What is the future of brick-and-mortar banks and financial institutions?
Game-changing ideas don't come along very often. But when they do, organizations need to develop them fast or risk missing out on the opportunity they present. But, very often, fintechs and other financial institutions don't have the time or resources to develop innovations when they present themselves, meaning opportunities go unrealized. So if organizations really want to bring in new capabilities they can't just leave it to chance and hope that someone else will develop breakthrough services or products for them - they need to do it themselves.In this episode of Financial Futures, we'll learn about the inorganic business-building method fintechs and financial institutions are using to fold in new capabilities to their service offering. We'll discover how the venture studio technique is de-risking the startup model, allowing institutions to create new products and solutions and bring them to market while protecting their own resources and investment capital.Join us, along with CEO of Shipyard Innovation, Ash Bhatia, and VP of Venture Studio Investments at FIS, James Clayton, as we find out why the venture studio model is a recipe for building successful businesses. And we'll learn about a real example of a startup currently going through the inorganic business-building method to find out what the process looks like from the insideWe'll also ask: Why is creating businesses with the venture studio model less risky than investing in a startup? What is the recipe for building better businesses? How do you choose the right partner to build a business with? What are the challenges associated with the venture studio model? Who is using the venture studio model to create startups? How do you choose an executive team to lead a new business? 
Great innovations don't come along every day. And, usually, these ideas can't be fully realized unless the right conditions are met. Funding needs to be available, key players need to have free time, and resources need to be ready to go if any new solution or technology is to have a chance of getting off the ground. And, traditionally, chance is precisely what it came down to.But now there's a new way to innovate. A method that doesn't rely on Goldilocks conditions for any hope of success. It's innovation for the 21st century. It's innovation as a service.In this episode of Financial Futures, we explore innovation as a service (IaaS) and learn how this structured and methodical approach to innovation is helping financial institutions accelerate their GTM strategies for new solutions and making innovation equitable. We'll discuss how IaaS works, plus we'll learn where the need for rapid innovation has come from and why the traditional approach to innovating is no longer enough when it comes to ideating and creating new offerings.Join us as we learn about the innovations that are already helping institutions to remain competitive with a little help from vice presidents of Impact Ventures at FIS, Adrian Sturley, and Jason Williams.We'll also ask: How is IaaS bridging the gap between fiat and cryptocurrency? Why is speed critical when it comes to delivering innovation? How does innovation work in an "as a service" model? What does the future of innovation look like? How do organizations identify when to stop, implement and abandon innovation? What does the IaaS process look like?
Accelerator Programs

Accelerator Programs


Getting any business off the ground isn't without its challenges. And while investment can be a big hurdle to overcome, it isn't the only one. Securing industry expertise, acquiring customers, gaining access to the right tech - these are just a few of a whole host of challenges startups need to solve in order to bring their innovations to life. But rarely can startups find all of these resources from one source, unless they look to accelerator programs.In this season of Financial Futures, we'll be finding out how financial institutions and their partners are stepping up their innovation efforts to shepherd in the next generation of fintech. And in this episode, we'll learn how accelerator programs are helping to fuel this new age of ingenuity.Join us as we find out what separates accelerator programs from other investment models with a little help from innovation product manager at FIS, Chris Barry, and senior vice president of Impact Ventures at FIS, Elaine Duff.  We'll ask what it is that makes accelerator programs so unique (and so effective), and we'll find out how ESG goals are driving innovation between accelerators and their partners.We'll also ask: What are the benefits for fintechs who partner with accelerators? How do fintechs choose the right accelerator? Why is it important for fintechs and accelerators to share the same values? How are minorty-owned businesses leading the charge on ESG standards? What benefits, other than investment, do accelerators bring to startups? And for more information on the FIS Fintech Accelerator Program, head over to
Growing a customer base is one of the toughest challenges any business will face - and regional banks are no exception to that rule. For many organizations, a good marketing campaign or the opening of a new brick-and-mortar location might encourage the kind of expansion they're looking for but results aren't guaranteed. However, banks don't have to rely solely on flashy ads or opening new branches because there's another solution to their growth ambitions - banking as a service.In this season finale of Financial Futures, we'll be putting BaaS under the microscope to find out how regional banks are using this unique facility to drive expansion and create mutually beneficial relationships between themselves and other businesses. We'll hear from director of product management for banking as a service at FIS, Barbara Negron, and business unit manager for APIs and integrations services at FIS, Eric Guion, about how BaaS is helping banks to acquire new customers beyond their usual reach. We'll also discover what differentiates BaaS from embedded finance and learn about the relationships and ecosystems that facilitate banking as a service.We'll also ask: What is the difference between 'for benefit' and 'on-core' BaaS? Why is BaaS one of the best distribution tools available to regional banks? How does BaaS reduce the cost of acquiring new customers? Why does risk need to be top of mind for banks considering BaaS? How can BaaS help regional banks to use other businesses' brand loyalty to grow their own customer base?
It's not uncommon for people to bank with more than one provider. Add into the mix mortgages, finance agreements, insurance, or any of the other countless financial products we all purchase, and it doesn't take long to get overwhelmed by the incredible number of services we need to keep on top of. Because with every product comes a new platform, a new username, and a new login - making it almost impossible to get a snapshot of what your daily finances actually look like.But there is a solution - one that's been in the making for nearly thirty years. And it's called open banking.In today's episode of Financial Futures, we find out how open banking is helping regional banks to innovate and evolve and how it's giving customers visibility of, and control over, all their financial products. We'll discover how open banking has evolved since its first iteration in the 90s and we'll find out why giving customers exposure to competing products is actually a good thing for regional banks. So join us as we speak with FIS's business unit manager for APIs and integration services, Eric Guion about why open banking adoption has soared in recent months and explore all the possibilities that this cutting-edge tech will afford regional banks.We'll also ask: What do banks need to consider before adopting open banking? How is open banking helping regional banks to expand and grow? What is the difference between open banking and screen scraping? How safe is open banking? What has led to the rise of open banking?
Crypto used to be the counterculture currency of choice. Giving participants an alternative to the centralized monetary systems of nations, cryptocurrency allowed those in the know a way to transact and invest without the use of fiat currency. But in recent years, cryptocurrency has emerged from the realm of alternative investments and found its place in the world of mainstream finance. And with so many platforms offering retail and commercial customers a way in, banks of all sizes are seeing an opportunity to tap into this rapidly growing market.In today's episode of financial futures, we speak with head of new business strategy for America's banking solutions at FIS, Fiaz Sindhu. We examine the past and present of cryptocurrency and ask what opportunities the tech poses for the future of regional banking. We'll find out how this once alternative financial product has made its way into the mainstream, attracting both private and corporate interest. And we'll explore the ways in which regional banks can adopt decentralized finance and discover what they need to do in order to serve their own crypto clientele.We'll also ask: What is happening in the world of cryptocurrency and what does the future look like? Who is driving crypto adoption and why are customers so excited about it? What are the cultural, technological, and regulatory considerations banks need to make when adopting cryptocurrency? How can regional banks determine what their own customers' crypto needs are? Who can banks turn to for guidance on how to implement cryptocurrency solutions?
Like many organizations, regional banks are experiencing a time of rapid change. In the wake of a pandemic, and in order to keep up with an increasingly digitized society, these institutions need to augment their services to remain competitive among other banks and appeal to societal shifts. But regional banks don't need to go on this journey of transformation alone, with fintechs and other partners at the ready to help them make sense of the evolving retail banking industry and to help them adopt modern solutions.In today's episode of Financial Futures, we'll be joined by senior vice president and group executive of regional banking at FIS, Nicole Pienkos, and vice president and business executive at FIS, Mike Gravelle. We'll be exploring the challenges that are facing regional banks and examining some of the solutions and opportunities that are emerging out of this period of innovation. We'll also find out what sets regional banks apart from the community and national banks and take a look at what makes them uniquely suited to address the financial needs of their customers. Plus, we'll hear how having the right tech partners helped regional banks to rapidly adapt to the hurdles presented by the pandemic, and we'll find out how they're carrying those lessons through to serve an increasingly digitized society.We'll also ask: How are data insights driving regional banking innovation? Why could digitization be one of the keys to addressing gaps in the workforce? What do banks need to consider when adopting new technologies? Why is it important to have good fintech partners? Why were regional banks instrumental in the payment protection program during the pandemic?
Regional banks find themselves in a unique space within the financial services industry - not as localized as a community bank, but not as ubiquitous as the nationals. Operating in this sector presents these institutions with a host of challenges faced by both larger and smaller institutions alike, but it also opens them up to a myriad of opportunities. And that's exactly what we'll be looking at in this season of Financial Futures.Simply the mention of automation is enough to strike fear into the heart of a workforce. But while sci-fi movies would have us believe that the machines are here to replace us, in reality, they're actually here to help - taking on the mundane and repetitive tasks so that people can focus on the more meaningful and important work that only they can do.Robotic Process Automation (RPA) is a powerful tool, bringing efficiencies to regional banks throughout the US. And the benefits this technology brings go far beyond simply eliminating the menial day-to-day processes. In this season premiere, we speak with Carl Bahneman, Business Unit Manager at FIS, all about robotic process automation and the value it offers to regional banks. We discuss what kind of tasks can be automated to improve efficiencies, and Carl explains how just thinking about incorporating bots can reveal new opportunities for time-saving.We’ll also ask: Why is it important to write out your organization's processes? What are the differences between buying and building bots? Why are regional banks looking to RPA? What kind of bots are available to regional banks? How can financial institutions prepare to integrate RPA into their businesses?
The world has cryptocurrency on the brain. And with new coins being released, seemingly, every day, and mammoth losses and gains occurring among the most popular cryptocurrencies, it’s no wonder why. And where some see danger in those troughs and peaks, others see opportunity - opportunity not just in the financial gains to be had, but in the blockchain technology behind these digital currencies. Indeed, crypto and blockchain might not just have the potential to diversify investors’ asset portfolios, they might actually be poised to completely evolve our financial ecosystem.In this episode, we’ll be joined by John Avery, senior strategy director at FIS; Patrick Sells, CIO at NYDIG; and Richard Walker, principal at Deloitte. We’ll explore what has caused the surge in popularity of cryptocurrency and blockchain technology, and we’ll discuss what the long-term impacts of these could be. We’ll also look at the potential implications of more widely adopting a decentralized finance model and examine whether crypto and blockchain could herald the demise of cash.We’ll also ask: How are financial institutions and the capital markets reacting to crypto and blockchain? What are the drawbacks of a centralized financial system? How are different generations adopting cryptocurrency? Why are everyday savers, as well as high-net-worth investors, attracted to crypto? Could the world be moving away from fiat money do de-fi?
In one form or another, most people have debts. It is, in many ways, an everyday part of life. Yet debt carries a considerable amount of stigma with it, which can have a negative impact on people’s willingness to seek out ways to manage it. And it’s not that people don’t want to pay, in fact, in most cases the opposite is true, but outdated procedures, unfit technological solutions, and seemingly unempathetic customer service representatives create significant barriers - barriers that must be removed in order to modernize and humanize enterprise collections.On today’s show, we’ll be speaking with Dale Williams, CEO of Telrock Systems; Guy Hammon, general manager of enterprise lending at FIS; and Michael Peretz, housing finance practice lead at Capco. Join us as we explore the modern solutions that are reshaping enterprise collections and improving debt recovery for institutions and customers. We’ll discover why poor communication can drastically damage an institution's ability to recover funds, where current enterprise collection solutions currently fall short, and how improved tech solutions can better human interactions and, therefore, debt recovery.We’ll also ask: How has COVID impacted the technologies associated with enterprise collections? What, other than technology, is the key to providing a better experience for those in debt? How is the landscape in B2B enterprise collections changing? Why does empathy need to be at the core of debt recovery? What do organizations need to consider when bringing enterprise collections in-house?
Saving used to be simple. But as our society has advanced, so have our financial needs, which has made things a lot more complicated. Phone contracts, tuition fees, direct debits for endless streaming services - the list of bills we have to manage seems to be constantly growing, and savings accounts and piggy banks are no longer enough to help us reach our financial goals. The challenge of keeping our finances in order has evolved, and now we need to embrace new tools and a new mindset if we’re to regain control over our financial wellness.In today’s show, we’ll be speaking with Nicole Meyers, vice president of strategic account management at Personetics; Nick Woodcock, digital banking executive at FIS; and Eric Bittel, wealth management practice lead at NTT Data Services all about the role financial institutions play in financial wellness. We’ll find out how fintechs are helping customers to improve their financial health, and look at some of the new (and potential) tools and services that are helping to put people back in control of their funds.Join us as we discuss why so many of us feel financially unwell, and what some of the barriers are that stop people from building better saving habits and improving their financial literacy. We’ll also ask: How are financial institutions promoting financial wellness programs? What are the societal impacts of poor financial literacy? What are fintechs doing in this space to better serve the individual? How do you create engaging, socially-minded, and financially viable wealth management platforms? What does the future of financial wellness and wealth management look like?
When it comes to purchasing big-ticket items, our spending options have, traditionally, been pretty limited. Either scrimp and save until we can afford what we want, or borrow the money through a loan or finance agreement and pay even more in interest fees. But thanks to the myriad of terms and conditions and strict eligibility requirements, getting access to these products can be difficult. But a new product has made its way onto the spending scene over the last few years, providing customers with another, much-needed solution - buy now, pay later.In today’s episode, we’ll be joined by Nathan Hilt, Managing Director and Payments Industry Leader at Protiviti, Amanda McBee, BNPL GTM Solutions Director at Amount, and Mickey Lynch, Product Management Executive at FIS. They’ll be discussing how BNPL is helping both consumers and businesses stay in control of their cash flow, and they’ll reveal how banks, fintechs, and even merchants, are innovating in this space to provide new BNPL products.We’ll also ask: What does the BNPL customer journey look like? Which customers have been championing BNPL and how has this payment method been received by different generations? How are BNPL products evolving and what kind of innovations are emerging? How is BNPL helping businesses when it comes to their cash cushion and customer base? Is BNPL here to stay?
Financial institutions, businesses, and customers are seeing dramatic advances in the tools and services they use at an ever-increasing rate. As demand for immediacy and convenience continues to grow, fintechs are rising to the challenge to deliver more and more banking solutions at the points where people need them most. But behind the multitude of new apps and services, the most impressive changes are taking place in the fintech ecosystems powering these tools.In this season of Financial Futures, we’ll be exploring some of the latest innovations in the fintech landscape that are paving the way for BNPL and crypto, enhancing enterprise collections, and improving customer financial wellness. And on today’s show, Division Executive and Head of Enterprise Banking at FIS, Andrew Beatty, joins us to discuss how the institutions and ecosystems supporting these advances are evolving.We’ll be asking Andrew how financial institutions need to adapt in order to keep supporting modern customers and their increasing needs. He also discusses how fintechs are strengthening banks’ offerings, and how these new relationships are benefitting all parties, from institutions to customers.We’ll also ask: What has led to the rise of challenger banks and non-traditional banking services? How are fintechs helping banks to bring new solutions to customers? What should institutions consider when it comes to core banking transformation? What does the increased collaboration between fintechs, banks and businesses mean for the end consumer?
As regulators clamp down and criminals become more sophisticated, the roles of Chief Compliance Officers and Chief Risk Officers are becoming more complex. CROs and CCOs are the strongest lines of defense for financial institutions, but in order to carry on protecting their firms, they must embrace technology in order to manage the ever- increasing number of risks they face. But what are the solutions keeping them a step ahead of the fraudsters? And how are these technologies affecting CROs and CCOs day-to-day? In the season 6 finale of Financial Futures, we speak with Senior Manager of Advisory Technology Risk at Deloitte, Niv Bodor, and Senior Vice President & Group Executive at FIS Compliance Suite, Kyle Gardner, about the evolution of compliance and risk. We dig into the current and emerging issues affecting CROs and CCOs and take a look at how technologies such as AI are helping to tackle crime and keep institutions compliant. We discuss how contemporary issues such as free-trading platforms and the prevalence of the work-from-home model are creating new challenges for CROs and CCOs. We also look at how the changing demands of regulators are putting firms under increased compliance pressures and reveal how AI could hold the solution. And we find out how institutions can utilize unstructured data to help fight fraud. We'll also ask:  How are changing trader demographics affecting the role of CROs and CCOs?  What are the emerging risks to the capital markets beyond the pandemic?  How will CROs and CCOs have to change to meet the demands of regulators?  Why is people-power alone not enough to keep up with modern risk and compliance issues? 
Technology is advancing at a blistering pace and it's causing clients to ask for more from institutions in the capital markets. Investors want access to real-time data and insights and they want this service packaged up in slick, smartphone-like experiences. And if buy and sell-side firms want to meet these needs, they'll have to adapt and upgrade their own systems and embrace technologies such as artificial intelligence and machine learning.In this episode of Financial Futures, we speak with President and CTO of C3AI, Ed Abbo, and Executive Vice President and Head of Strategy and Solutions Management at FIS, Tony Warren, about the changing stakeholder demands in the capital markets. And we take a look at AI, machine learning, robotic process automation and more to discover how these technologies could hold the solution.Join us as we examine where these once futuristic technologies are being harnessed in the capital markets already. We also explore the pain points for buy and sell-side firms and discuss which processes and systems need to be updated in order for firms to continue to grow. And Tony and Ed share their predictions for these technologies and give us their advice on how firms should engage in this digital transformation. We'll also ask: How are emerging technologies, such as blockchain, prompting digital transformation? What major disruptors do firms need to prepare for? How can AI help institutions keep up with regulations?
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