Join host Ram Ahluwalia of Lumida Wealth, and industry veterans Frank, Mark, and guest Simon for a sweeping exploration of the future of fintech, the impact of crypto, and the promise of AI on this episode of Non-Consensus Investing. Learn about current trends, the prospect of profitable consumer fintech banks, and where high-performing businesses are investing in this rapidly evolving field. Gain key insights into the timing of investments, the underutilized potential of machine learning, and the disruptive role of blockchain technology in the banking sector. For a more comprehensive understanding of the topics covered, head over to our YouTube channels to watch the charts mentioned in the podcast.
00:00 Introduction and Welcome
00:32 Discussion on Fintech Trends
00:47 Guest Introduction and Background
01:23 Outlook for Fintech
05:00 Fintech in the International Market
07:32 Fintech in the U.S. Market
10:52 Tokenization in Fintech
13:51 Blockchain and Trust Issues
27:53 Fintech and AI
30:15 Fintech in the Future
38:34 The Competitive Landscape in Payment Space
40:02 Differentiation in the Payment Industry
41:57 The Shift in Business Building
43:29 The Business Cycle and Cost Optimization
44:49 The Shift in Consumer Fintech Bank Valuation
46:24 The Profitability of UK Digital Banks
48:00 The Future of Private Credit in Fintech
52:37 The Complexity Curve in Fintech
57:25 The Future of Fintech and Crypto
59:09 The Role of Superfans in the Creator Economy
01:07:47 The Future of AI in Fintech