Dave and Dharm Demystify Podcast
Welcome to Dave and Dharm Demystify, a fabulous podcast that takes you on an exhilarating journey through the ever-evolving world of fintech and digital finance!
Join your dynamic hosts, Dave Wallace and Dharm Mistry, two industry titans who have spent the past 30 years at the forefront of the digital revolution in finance. Dave’s passion for experience and marketing, combined with Dharm’s love of technology, ensures that every conversation goes beyond the surface and delves deep into the heart of the issues.
Each episode, they bring in guests who are true movers and shakers in the industry. From CEOs to innovators, these guests bring their cutting-edge ideas and unique perspectives, making for a rollercoaster ride of insights and revelations!
As the fintech industry continues to disrupt and transform traditional financial services, staying informed and up-to-date on the latest developments is more thrilling than ever before. With Dave and Dharm at the helm and their guests adding thoughts and inspiration, you’ll get a deep dive into the hottest trends, technologies, and innovations shaping the future of finance.
The podcast is free and available on all major platforms, such as Spotify, Apple Podcasts and Soundcloud.
About your hosts:
Dave Wallace is a true digital native and industry legend! He regularly writes for FinTech Futures on the subject of customer centricity.
With over 25 years of experience in the fintech industry, Dave is a force to be reckoned with. Throughout his career, Dave has been obsessed with helping brands connect effectively with their customers through digital channels. He’s a master at understanding customer behaviours and motivations, and his expertise has helped brands like HSBC, RBS, Manulife, and ANZ develop and implement digital strategies that put the customer first.
He started his career in the mid 1990s, helping Yellow Pages get online and paving the way for the digital revolution.
Dave’s passion for the customer experience led him to found HeathWallace, a specialist agency that helped banks and other blue-chip clients deliver customer-friendly digital services. He grew HeathWallace into an international powerhouse, with offices in the US, Asia, and Australia. In 2008, he sold HeathWallace to WPP and after ten successful years as part of the group set his sights on his next venture.
Enter NMD+, Dave’s latest business venture that’s focused on developing customer-centric mobile propositions that add true value to the end customer, with clients including Unifimoney, Aviva, First Abu Dhabi Bank, and St. James’s Wealth Management, to name just a few.
Follow him on X at @davejvwallace and connect with him on LinkedIn.
Dharmesh Mistry is a technologist and business engineer, he loves nothing more than using technology to solve real business problems or to create new business models. His regular column for FinTech Futures focuses on digital and core banking systems.
He started digitising banks in the late 1980s. At Lloyds Bank he was involved in its very first branch applications based on Windows 2.0 ! He created the vision for single customer view for the bank before moving to NatWest. Here, he created and presented the concept of “franchising banking” in 1995, in today’s terminology this was Banking-as-a-Service (BaaS).
He went on to help create the UK’s first e-commerce full service agency where he delivered the first multi-channel internet bank developed in Java, the UK’s first mobile banking application and the world’s first online insurance quote and buy platform… all before the year 2000!
Dharm went onto co-found Edge IPK – the company that pioneered the creation of a low code/no code user experience platform (UXP) for multi-channel application development. Edge IPK was bought by Temenos where he became its first chief digital officer. As part of his role he created the plan to split Temenos’ core banking platform into a product core (core banking) and a digital platform for managing omnichannel customer engagement.
Dharm also founded AskHomey, a proptech platform that helps households manage their homes, which was sold to a private investor in spring 2023.
Connect with him on LinkedIn and X @DharmeshMistry.
Demystify Podcast: Next-generation financial services with Charlie Platt of SAP Fioneer
In this podcast episode, Dharmesh and Dave talk with Charlie Platt, Managing Director of Banking at SAP Fioneer.
Demystify Podcast: Modelling climate change risk with Lukky Ahmed of Climate X
In this latest podcast episode, Dharmesh and Dave talk with Lukky Ahmed, co-founder and CEO of Climate X.
Demystify Podcast: Embracing fintech and the green agenda with vice minister of finance, Lithuania
Lithuania's ambitious journey in fintech and sustainability with vice minister of finance, Vaida Česnulevičiūtė...
Demystify Podcast: Lettspay and Griffin – demystifying working with a challenger bank
Our guests on the Demystify podcast this week are Adam Moulson, Griffin's COO, and Garrett Foxon, CEO of Lettspay.
Demystify Podcast: Griffin, a brand new UK bank, with David Jarvis, co-founder and CEO
Griffin's CEO and co-founder, David Jarvis, demystifies the complex layers of the UK challenger bank's proposition.
Demystify Podcast: Demystifying Saudi fintech with Naif AbuSaida, founder & CEO of Hakbah
Dave and Dharm welcome Naif AbuSaida, CEO and founder of Hakbah, a Saudi Arabian fintech focused on group savings.
Demystify Podcast: Demystifying BaaS banking with NatWest Boxed
Demystifying what is holding BaaS back from broader adoption and what it takes to create a successful BaaS venture.
Demystify Podcast: What banking can learn from telecoms with Herve Manceron, Skaleet
What banking can learn from the telecoms industry that has already undergone cloud technology transformation.
Demystify Podcast: Demystifying embedded banking success with Chris Dean and Chris Tremont
Grasshopper and Treasury Prime are thriving at a time when so many neobanks and BaaS providers are struggling.
Demystify Podcast: Demystifying conversational interfaces with Zor Gorelov, founder of Kasisto
Zor Gorelov, founder of Kasisto, shares his visionary perspective on the emergence of artificial financial...
Demystify Podcast: Demystifying DeFi with U-Zyn Chua, CTO and co-founder of Cake Group
U-Zyn Chua delves into the history of DeFi, the impacts of the crypto winter and why he is so bullish about the future.
Demystify Podcast: Engine by Starling Bank with CCO Nick Drewett
Demystifiying the rationale behind Starling's strategic shift to Banking-as-a-Service (BaaS).
Demystify Podcast: Demystifying core banking with Prema Varadhan, Temenos
Demystifying the intricate world of core banking and offering a comprehensive perspective on its evolution.
Demystify Podcast: Payments, the planet & equality with Monika Liikamaa, co-founder of Enfuce
Enfuce's Monika Liikamaa helps demystify why and how the payments industry can help with the climate agenda.
Demystify Podcast: How fintech is revolutionising cross-border payments with Max Faldin, Silverbird
Discover why high-value cross-border payments are such an incredible opportunity for fintech.
Demystify Podcast: Core banking modernisation and BaaS with Miguel Santos and Dave Feuer, Galileo
Real examples of several innovations only made possible by a modern core, and more!
Demystify Podcast: Demystifying BaaS in the Middle East with Andrew Sims, nDigital
The importance of fintech for GCC countries as they pursue aggressive economic strategies.
Demystify Podcast: Demystifying BaaS with Kelvin Tan, Standard Chartered Bank
What is needed within a large bank to ensure a BaaS proposition can be conceived, deployed and nurtured?
Demystify Podcast: Demystifying embedded banking with Paul Staples
Demystifying the approaches various banks, such as Standard Chartered, JP Morgan Chase & HSBC, are taking to BasS.
Demystify Podcast: Demystifying digital transformation with Joseph Edwin of Bain & Co
Joseph Edwin, one of the OGs of digital transformation, tells us about the recipe for success.
Demystify Podcast: Demystifying China, CDBCs and cashless with Richard Turrin
Based out of China, Richard Turrin has a ringside seat on how China is transforming into a cashless society.
Demystify Podcast: Demystifying social media in banking with Paula Rothman, Nubank
Paula Rothman, Nubank's social and content lead, explains how the challenger bank harnesses the power of social media.
Demystify Podcast: Protecting the vulnerable with Dexter Penn, Kalgera
Dexter Penn is the founder of Kalgera, a company using AI to identify and protect the vulnerable from financial harm.
Demystify Podcast: Climate Emergency with Gail Bradbrook, Extinction Rebellion
Gail Bradbrook is one of the founders of Extinction Rebellion (XR).
Demystify Podcast: Demystifying fintech in Africa with Benjamin Fernandes, Nala
The story of Benjamin Fernandes, founder of Nala, and his passion for solving problems speak to the incredible story...
Demystify Podcast: Demystifying ESG and financial services with Shargiil Bashir, FAB
Chief sustainability officer of FAB talks about the critical role of banks in supporting an ESG agenda.
Demystify Podcast with Antony Jenkins, 10x Banking
Antony Jenkins talks about his company 10x, its history from inception to the present day and his future vision for it.
Demystify Podcast with Norris Koppel and Atul Choudrie, Monese
In this podcast episode we talk about Monese and what makes it so special and successful.
Demystify Podcast with Paul Taylor, Thought Machine
Paul Taylor talks about his background, why he founded the business, and the journey Thought Machine has been on.
Demystify Podcast: Demystifying BaaS and embedded banking with Michael Zyber and Wojciech Sass
This episode of Demystify Podcast welcomes Michael Zyber, CEO of Metro AG, and Wojciech Sass, co-founder of Vodeno.
Demystify Podcast: Demystifying BaaS in Europe with Warburg and Vodeno
Warburg's vision and acquisition strategy and how these are being driven by the seismic changes in financial services.
FinTech Futures: Top five news stories of the week – 15 March 2024
Our pick of the top fintech news stories this week includes the US Federal Reserve, Starling Bank and more.
United Fintech reshuffles leadership in push to drive growth
The restructuring will involve members of three of the five acquisitions it has made in the last four years.
Digital Asset’s Canton Network completes first trial with global banking heavyweights
Notable participants in the trial included BNY Mellon, Standard Chartered, Goldman Sachs and Broadridge.
eBook: Beyond the basics – a C-suite checklist for banking security strategy
Explore expert strategies to secure banking apps and get a detailed checklist for bolstering security measures.
Video: Taktikal at FinovateEurope 2024 – Onboarding amid ever-changing compliance requirements
We sat down with Tinna Hallbergsdóttir of Taktikal to discuss the firm’s innovative approach to onboarding.
Video: Kern AI at FinovateEurope 2024 – The importance of data-centric RAG
At FinovateEurope 2024, we spoke with Johannes Hötter, CEO and co-founder of Kern AI.
Cartoon: Hold, please…
AI tech is reducing the likelihood that any of us will soon talk to a live customer support agent.
FinTech Founders Video: driving change and empowering women in fintech
Founders from The Heard, ATMO Technologies and the Harrington Starr Group share their thoughts.
Video: Intrepid Fox at FinovateEurope 2024 – When KYB meets GenAI
We sat down with Roman Zilber of Intrepid Fox to discuss the intersection between KYB and GenAI.
Video: KoreFusion at FinovateEurope 2024 – Payment innovation’s role in emerging markets
At FinovateEurope 2024, we sat down with Daniel Ben-Aron, vice president of APAC at KoreFusion.