Podcast Series

Deciphered: The Fintech Podcast

Deciphered: The Fintech Podcast

Brought to you by Bain & Co., each episode of Deciphered brings insight and analysis on specific industry topics, dissected with data with help from fantastic guests.

 

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Episodes

Episodes

Episode 6: In this episode, recorded live at Money20/20 in Las Vegas, hosts Adam Davis and Jeff Tijssen are joined by Simon Taylor of Sardine and Laura Spiekerman of Alloy to discuss the outlook for fintechs over the next 18 months. With rates on the rise, many neobank and fintech C-suites haven’t experienced life in a high-interest-rate environment. We’ll delve into the effects of the macro headwinds we’ve been seeing and some products and innovations we’re excited about, despite (or because of) the current macroeconomic climate. We’ll also explore whether long-term strategies should be cast aside for short-term gains and immediate revenue, and whether a seamless pivot is even possible.

Guests: Simon Taylor, Head of Strategy, Sardine and Laura Spiekerman, Cofounder and Chief Revenue Officer, Alloy

Episode 5: In this episode, we explore how macroeconomic trends have affected crypto as an asset, separating the opportunists from the “purists” in the industry. We’ll discuss the opportunity for purists who have been quietly building—away from the volatility, away from the hype and hope, and using underlying blockchain technologies to power new use cases that can meet systemic problems within our financial system. We’ll explore where institutional adoption of blockchain is right now, some of the most applicable use cases, and where it might go in the future. 

Guest: Morgan McKenney, CEO, Provenance Blockchain Foundation  and Todd McDonald, Cofounder and Chief Strategy Officer, R3

Episode 4: In this episode, we explore what the future holds for neobanks, with so few currently profitable in the face of a current economic downturn. We’ll discuss the challenges of setting business strategies over the next couple of years, answering key questions such as whether neobanks should pursue growth at the expense of unit economics, how they can continue to differentiate their revenue streams from one another, and ultimately what they should do as rising rates pressure investors to stay clear of potentially “riskier” assets.

Guest: Valentina Kristensen, Director of Growth & Communications at OakNorth and Nik Milanović, Founder of This Week in Fintech

Episode 3: In this episode we dive deeper into what embedded finance means for the traditional banking value chain. We’ll discuss how big the opportunity could get, some of the most pertinent use cases, and how wannabe players in the new value chain can start thinking about their participation choices and how to build the necessary capabilities to serve customers.

Guests: Matt Harris, Partner at Bain Capital and Sophie Guibaud, co-founder and CCO at Fiat Republic.

Episode 2: Almost halfway through the year, macroeconomic headwinds are significantly affecting the valuations of private and public fintech companies. With a possible recession looming, higher inflation squeezing consumer spending, and interest rates on the rise globally, it’s a stark contrast to only a few months ago, when fintech valuations were at their peak.

In this episode, we’ll dive deeper into what these headwinds mean for fintechs, where investors could and should look for growth, and how long this period of instability might last.

Guest: Tim Levene, Partner and CEO of Augmentum Fintech plc and Sarah Kocianski, Head of Strategic Insights at Founders Factory

Episode 1: 2021 was the year of explosive growth for BNPL, but in 2022 macro-economic factors and regulation will impact its course. The BNPL industry has seen a proliferation of players entering the market on thin margins. With our analysis suggesting the revenue is likely to ~3x for BNPL players over the next 5 years, is there room for everyone or will the unit economics, regulatory changes and macro-economic environment only allow for a small amount of players to emerge in a big way?

Guest: Nigel Verdon, CEO at Railsbank and Alexandra Lang, GM, Director of Product for Debit+ at Affirm

Featured Insights

Featured Experts

Adam Davis Expert Associate Partner London

Fintech: Identify new growth opportunities with digital propositions

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