FinTech-Tables

💫 FinTech Voices Spotlight on Dan Graf and Earthchain 💫 Dan Graf, co-founder and CEO of Earthchain, is a leading figure in the climate FinTech space, focusing on his expertise in digital payments, he aims to develop impactful solutions for sustainability. Founded with the mission to integrate climate action into everyday financial transactions, is pioneering the use of payment data to help businesses and consumers alike reduce their carbon footprints. Earthchain offers a suite of tools that allow financial institutions, retailers, and consumers to take meaningful climate action. The platform provides carbon accounting, supplier engagement tools, and payment integration solutions designed to help businesses track and reduce their carbon emissions. Earthchain’s approach is particularly innovative in the way it uses payment data to estimate the carbon impact of transactions, offering consumers insights that enable more sustainable spending habits. Very cool! Notable achievements ⤵ - Successfully developed a platform that allows financial institutions to integrate carbon footprint tracking into their offerings. This empowers consumers to understand the environmental impact of their spending and make more sustainable choices. This innovation is particularly significant as it combines financial services with climate action, a relatively new and impactful approach in FinTech - Recognised for its pioneering work in sustainable FinTech, particularly in how it enables retailers and payment processors to contribute to climate action at the point of sale. This approach has been highlighted in industry conferences like the Merchant Payments Ecosystem, where Dan Graf has shared insights on leveraging payment data for environmental benefits - Formed strategic partnerships with key players such as Fairatmos, NayaOne, and the Merchant Payments Ecosystem, among others. These collaborations, alongside organisations dedicated to carbon offsetting and green finance, are vital for enhancing Earthchain's impact and embedding its solutions within larger financial ecosystems. Dan Graf’s leadership at Earthchain is helping to shape the future of sustainable finance, making it easier for businesses and consumers to contribute to a greener economy. Thank you for your contribution Dan, we appreciate you! 💫 #FintechForGood #SustainableFinance #ClimateAction #CarbonFootprint #GreenFintech #EcoFriendly #DigitalSustainability #NetZero #GreenEconomy #TechForGood

Adopting the right marketing technology can make the difference between leading the market and falling behind. However, with an abundance of tools and platforms available, the challenge lies not in access but in strategic implementation. This event, "Utilising Marketing Technology to Fuel Growth in Financial Services Fintech," sponsored by AdSmart from Sky, offers a deep dive into how FinTech companies can support these technologies to drive real business growth. The agenda is packed with sessions that go beyond the surface. Key topics include: - leveraging AI for customer segmentation, - optimising the customer journey through data-driven insights, - harnessing automation to streamline operations—all aimed at providing practical solutions that can be applied directly to your business. With industry leaders and experts sharing case studies and actionable insights, this event will not only highlight what’s working in the market but also what to watch out for as potential pitfalls. Sponsored by AdSmart from Sky, the event promises to deliver content that is both relevant and impactful, ensuring that you leave with strategies that align with your organisation’s goals and growth trajectory. Secure a spot now! You can register for the event by clicking the link, in the comments section below. 📅 Thursday 07 November 2024 ⏰ 9am to 2pm ➡ Barclays Campus, Glasgow #FintechTables #MartechGrowth #FintechInnovation #FinancialServices Yoann Pavy Helen Owen James Bridgman David Sanderson Angela Röder

The importance of #data #governance, #risk #management, and #ethical #responsibility cannot be overstated. As financial institutions grapple with an increasingly complex regulatory environment, the need for robust systems to manage data securely and compliantly has become paramount. Scotland's financial services sector is one of the most significant contributors to the nation's economy, employing over 150,000 people and accounting for a substantial portion of the UK's financial output. With Edinburgh and Glasgow serving as key financial hubs, the sector's influence extends far beyond the borders of Scotland, impacting global markets and economies. However, with great influence comes great responsibility. As the sector continues to grow, so too does the need for rigorous data governance and risk management practices. According to the Financial Conduct Authority (FCA), Scottish financial institutions have faced a marked increase in data-related breaches and incidents in recent years. In 2022 alone, over 30% of Scottish firms reported data security issues, highlighting the urgent need for improved governance and risk management frameworks. Join Dr Mick O'Connor CEng CDir, Founder of HAELO at this workshop—tailored to address these challenges, offering participants the tools and knowledge necessary to mitigate risks and protect their institutions from potential breaches. Full agenda, in the comments section below. #compliance #security #governance #data #financialservices #fintech

Huge congratulations, Tynah Matembe DEEU! You're doing amazing work and truly making a difference. We're rooting for you! 💫 MoneyMatiX: Inclusive Financial Education

How Can the Digital World, Including Financial Services and FinTech, Become Part of the Climate Solution? In the ongoing battle against climate change, we often overlook a critical contributor to global emissions: our digital infrastructure. This is especially relevant in sectors like financial services and FinTech, where digital transformation is accelerating at an unprecedented pace. Enter Decarbonise Digital by Eric Zie, a book that dives deep into how the digital sector—particularly industries like ours—can and must transform to become a force for good in the fight against climate change. Eric Zie, a recognised leader in sustainable IT and a two-time The Earthshot Prize nominee, doesn’t just outline the problem. He provides a clear, actionable roadmap for reducing the carbon footprint of digital technologies. This book is not just a wake-up call; it's a guide to making meaningful change, especially in data-heavy industries like financial services, where the digital footprint is enormous and growing. Zie argues for a "global digital reset," urging the tech industry—including FinTech—to rethink its entire approach to growth. As our sector continues to innovate with digital wallets, blockchain, and AI-driven financial services, it’s crucial that sustainability is integrated as a core principle, not just an afterthought. His "Recipe for Change" is a practical framework that organisations in the financial sector can adopt today to balance digital growth with environmental responsibility. What makes Decarbonise Digital particularly impactful is its reach beyond the pages of the book. It has inspired a series of educational courses designed to equip IT professionals and digital leaders—especially those in finance and FinTech—with the knowledge and tools to implement these sustainable practices in their work. This extension of the book’s influence underscores its importance—not just as a text, but as a catalyst for real-world change. In an era increasingly dominated by digital technology, Decarbonise Digital is an essential read for anyone connected to the digital sector. For financial services and FinTech leaders, this book offers invaluable insights into how we can all contribute to a more sustainable future while continuing to innovate and grow. GoCodeGreen | B Corp™ Gareth Edwards Eric Zie #Sustainability #FinTech #FinancialServices #DigitalTransformation #ClimateAction #GreenTech #TechForGood

In any event, especially those tackling critical global issues like climate change, having the right speakers is paramount. The expertise and insights of speakers can significantly shape the direction of discussions, influence the audience's understanding, and drive actionable outcomes. This is where Ian Davey works his magic. By thoughtfully curating a lineup of leaders who are both knowledgeable and passionate about the topic, he guarantees that the resulting conversations are impactful and relevant. The forum features a diverse group of industry leaders, innovators, and experts who bring a wealth of experience to the table. From Gihan Hyde of Communique, who focuses on sustainable communication, to Fraser Tough of NatWest, who is at the forefront of integrating sustainability into banking, each speaker contributes a unique perspective on how financial technology can be utilised to address climate challenges. By bringing together such a dynamic group of speakers, the forum ensures that the conversations will be both insightful and geared toward practical solutions, making it a significant event for anyone interested in the intersection of FinTech and climate action. You can access the complete agenda and registration details by clicking the link in the comments section. Kirstie Ross TSB Bank Fraser Tough NatWest Megan Treasure Mastercard Matthew Waldron Mastercard David Elliman FRSA FBCS Zühlke Group Gihan Hyde Daniel Smith AstroAgency Space Scotland Elena Pérez Celis NetZero Nick Stace OBE Barclays Linda Scott Zühlke Group Andrew Smith Greenbackers Investment Capital Maya Welford Barclays Adam Herson Amy WolffGranted Consultancy - a Ryan company

✨ Spotlight on Robin Peters and Snugg ✨ Robin Peters, co-founder and CEO of Snugg, has emerged as a significant voice in the FinTech and #environmental #sustainability space. With a background that includes setting up the #digital arm of Aviva, Peters brings a wealth of experience to his latest venture, Snugg—a platform dedicated to making home energy efficiency accessible and affordable. Founded in 2022, Snugg was born out of Robin Peters' desire to tackle #climate #change, a mission inspired by his daughter's concerns about the environment—surely, a future leader in the making! The platform offers UK homeowners a personalised plan to improve their home's energy efficiency, potentially saving them significant amounts on energy bills while also increasing property values. Snugg differentiates itself by providing unbiased advice, connecting users with trusted local installers and available grants, all tailored to the specific needs of each home. This approach not only supports individual homeowners but also aligns with the broader goal of reducing the UK’s carbon emissions from residential properties, which account for over 20% of the nation’s total #CO2 output. Noteworthy achievements of Snugg ⤵ - The company won the Best FinTech Collaboration 2023 award at the Scottish Financial Technology Awards. This award was given in recognition of their collaborative work with TSB Bank, highlighting the impact of their innovative approach to improving home energy efficiency through FinTech. - Successfully formed partnerships with influential organisations, including major financial institutions like the Scottish Building Society and TSB Bank. These partnerships enhance the platform’s ability to offer tailored energy efficiency solutions and financial support to a broader audience. - Secured significant government funding, including a £171,000 grant from the Green Home Finance Accelerator (GHFA). This funding has been crucial in developing Snugg’s new Green Home Hub, a digital platform designed to work with banks and energy providers to help homeowners improve their energy efficiency. Snugg’s research has demonstrated the potential financial impact of energy efficiency improvements on home values. For example, improving a home’s energy efficiency can increase its market value by over £15,000. This insight highlights the platform’s dual benefit of reducing energy costs and enhancing property values Robin Peters and the Snugg team are at the core of a movement that blends financial technology with environmental responsibility, driving meaningful change in the way people think about and manage home energy efficiency. Simply put, they're the Climate Avengers! ⭐ You can check out Robin's profile, by clicking the link at the comments section. Sophie Leang

In the financial sector, personalisation has emerged as a strategic imperative for institutions aiming to navigate the complexities of modern customer expectations. As technological advancements reshape the industry, companies like Mambu are at the forefront of a transformative shift, employing sophisticated tools to refine both #underwriting processes and customer service. Central to Mambu’s strategy is the deployment of advanced data analytics coupled with AI, creating a more nuanced approach to underwriting. The traditional models, often characterised by their reliance on broad and generalised criteria, have shown themselves to be increasingly inadequate in capturing the intricacies of an individual’s financial standing. Mambu’s platform, however, offers a sophisticated alternative by enabling financial institutions to process and analyse vast quantities of #data, yielding a granular understanding of each customer’s #risk profile. This evolution in underwriting is not merely about precision; it is about relevance. By harnessing AI, Mambu facilitates a shift away from the outdated one-size-fits-all solutions towards a model that is both dynamic and responsive. This, in turn, not only enhances the accuracy of #credit decisions but also fosters a deeper sense of customer satisfaction through the provision of products that are specifically tailored to individual needs. While the role of technology in revolutionising financial services is beyond dispute, Mambu rightly argues that this should not result in the erosion of personalised service. Rather, technology should act as a catalyst, enabling institutions to forge more meaningful and individualised interactions with their clients. As the financial services industry continues its inexorable evolution, the significance of personalisation will only intensify. Mambu’s model, which marries cutting-edge technology with a commitment to personal service, offers a compelling vision of the future of #banking. By enabling institutions to deliver more tailored #products and services, Mambu is helping to shape a customer-centric industry where technology and human interaction are not in opposition but work in concert to deliver superior experiences. In this emerging era of banking, the institutions that successfully integrate technology into their personalisation strategies will be those that thrive, offering customers the best of both worlds: the efficiency of digital tools and the warmth of human engagement. Stephen Brown, Ian Davey, Ian Sage, Paul Denton recently gathered to explore the competitive landscape of market conditions. They discussed how organisations can leverage technology and data to gain a competitive edge and enhance their market share and data. Here's a snippet, you can listen to the full podcast, by clicking the link at the comments section. Elena Frank Jordan Dooley Nick Lawler Smita Pati Stephen Brown Scottish Building Society Amechi Muotune

How Impactful ESG Investment is for Companies? As global awareness of environmental and social issues intensifies, Environmental, Social, and Governance (ESG) investments have surged to the forefront of corporate strategy, with Scotland emerging as a key player. In KPMG's recent report The Financial Returns of ESG Investment: Evidence from the UK", KPMG's analysis indicates that companies actively engaging in ESG practices not only enhance their reputations but also experience positive financial impacts, including higher shareholder value and improved access to capital. #ESG investment involves integrating #environmental, #social, and #governance factors into financial decisions and corporate strategies. It has gained traction globally, driven by growing concerns over climate change, social inequality, and corporate governance scandals. In the UK, and particularly in Scotland, ESG has become a critical consideration, influencing both regulatory frameworks and investor behaviour. Companies that adopt strong ESG practices often see improved financial performance, risk management, and brand reputation. Embracing ESG principles can enhance profitability and share price stability. Furthermore, robust ESG strategies help companies manage risks associated with climate change and regulatory compliance. While challenges such as inconsistent reporting standards and the cost of transitioning to sustainable practices exist, the opportunities presented by ESG investment are substantial. For instance, the Trowers & Hamlins report on ESG corporate reporting in the UK highlights that businesses investing in ESG can access new markets, innovate in sustainable technologies, and benefit from potential government incentives, particularly as Scotland pushes towards its Net Zero 2045 target. As regulations tighten and investor expectations rise, those who lead in ESG will not only benefit their bottom line but also contribute to a more sustainable and equitable society. Join us as we explore this topic and more at our Climate Collaboration Conference. For the complete agenda and to register for the event, please click the link in the comments section below.

🌟 FinTech Voices Spotlight on Alan Gardiner and Brightsolid 🌟 Meet Alan Gardiner, the dynamic Chief Commercial Officer (CCO) at Brightsolid! With an impressive career that includes pivotal roles at industry giants like SIX DEGREES GROUP and iomart, Alan is a powerhouse in the cloud services arena, wielding extensive expertise in digital transformation. If you're unfamiliar with Brightsolid, they stand at the forefront of hybrid cloud innovation, passionately committed to empowering SMEs and public sector organisations across Scotland and beyond. Their unique approach fuses cutting-edge technology with a keen insight into customer needs, being creative with solutions that not only amplifies growth but also builds resilience in an environment where the only constant is change. Areas where Brightsolid are killing it: Hybrid Cloud Solutions ⤵ Brightsolid offers a custom blend of cloud solutions, combining the flexibility of cloud computing with the security and control of on-premises infrastructure. This approach allows organisations to scale efficiently while maintaining robust security protocols. Cyber Resilience ⤵ Security is the foundation that fortifies Brightsolid's suite of offerings. The company provides cutting-edge cybersecurity solutions designed to protect critical data and infrastructure from emerging threats, ensuring business continuity and peace of mind for its clients. Customer-Centric Approach ⤵ Brightsolid is known for its commitment to customer service. The company emphasises close collaboration with clients, ensuring that their cloud solutions are not only technically sound but also aligned with their business goals. Brightsolid is giving Optimus Prime energy! 🤖 With an array of resources, from in-depth case studies showcasing successful implementations to hands-on guides for infrastructure modernisation, businesses can gain invaluable insights at every stage of their digital transformation journey. Under Alan Gardiner’s dynamic leadership, Brightsolid is not just a service provider but a trusted partner, empowering organisations to harness cloud technology for innovation and growth. Welcome to the fam Brightsolid and Alan Gardiner 💫 You can check out Alan's full profile, by clicking the link at the comments section below. Zoe Dickson Amechi Muotune