FintechOS Evolv

Culture Over Code: Why People, Not Platforms, Make or Break Banking Transformation

In this episode of FintechOS Evolv, Mark Dearman sits down with Myles Bertrand, CEO of Tuum, to explore the reality behind core banking transformation. From cultural resistance and legacy tech to modular strategies and AI readiness, they unpack what it really takes to modernize banking infrastructure—and why most projects fail before they begin.
Get insights on:
Why culture trumps technology in transformation
The rise of multicore strategies
Avoiding the “expensive new toy” trap
How to align tech and business for success
Real-world examples of incremental wins
If you're navigating digital transformation in banking, this episode is packed with sharp takes and practical lessons.
Check out FintechOS and Tuum:
https://fintechos.com/
https://tuum.com/
#CoreBanking #DigitalTransformation #BankTech #Fintech #Insurtech #LegacySystems #AIInBanking #ModularBanking #FintechOS #EvolvInsurance #BankingInnovation #Tuum #CXInBanking #FutureOfFinance

Trailblazing Telematics: What It Takes to Launch an Insurance Startup

What does it really take to launch a telematics-led motor insurance startup? In this episode, Scott Thomson sits down with Yvette Percival, an industry founder, to break down the essentials—from securing regulatory approval and capacity to building a real-time risk engine and innovating in claims.
Whether you're in insurance, tech, or just curious about how data is transforming the future of driving, this conversation offers practical insights, hard-won lessons, and a glimpse into what’s coming next.
📌 Topics Covered:
The 3 essentials to launching an insurance startup
Building a telematics-based risk model
Securing funding and capacity
Claims innovation and crash detection tech
Startup lessons for navigating regulation and scale
🔔 Subscribe for more conversations with fintech and insurance innovators.
#Insurtech #Telematics #InsuranceInnovation #StartupJourney #MotorInsurance #RiskManagement #ClaimsInnovation #DrivingData #FintechOS #EvolvInsurance

Middle Market Makeover: Data, AI & the Future of SME Finance

In this week’s episode of Evolv, we unpack the “missing middle” of UK SME banking—the segment of medium-sized businesses left underserved between mass-market and bespoke corporate solutions. Joining your host are three trailblazers in the space—Adam Tarpey (Metro Bank), Conrad Ford (Allica Bank), and George Dunning (Bud Financial), who share practical insights on how data, technology and new banking models are closing the gap and driving real change.
Key learnings and takeaways:
Understanding the gap: Why SMEs with 5–50 employees struggle with one-size-fits-all banking and where the “missing middle” emerges
Open banking & real-time data: How instant transaction feeds and cloud accounting integrations speed up credit decisions from months to minutes
AI-powered automation: Leveraging generative models to extract insights from unstructured documents (valuations, surveys) and eliminate paper-based workflows
Tackling funding delays: The root causes of 90+ day waits for property and asset finance—and how fintechs are streamlining approvals
Enhanced risk management: Using continuous monitoring and data-driven underwriting to reduce fraud and default rates
API-first, vertical banking: Why specialist platforms are gaining traction and what that means for the future of universal banks
Whether you’re an SME owner seeking faster finance, a product builder in fintech or a banking strategist plotting the next wave of innovation, this episode delivers a deep dive into how the “missing middle” is finally being served. Tune in now!

Fraud vs. AI: The New Arms Race in Insurance

In this episode of FintechOS Evolv, Scott Thomson, Director of Insurance Industry Solutions at FintechOS, is joined by Matt Gilham, Advisor at WHITELK, to explore the evolving landscape of insurance fraud. They dive deep into how fraud detection has progressed over the last 20 years, AI's role in supporting and challenging the fight against fraud, and how insurers are adapting to new threats in the digital age.
From motor and home insurance to emerging sectors like pet and travel, they discuss how fraudsters exploit vulnerabilities and what technologies are being developed to stay ahead.
Scott and Matt also examine the concept of "fraud as a service" and its impact on the industry, along with how core platform providers like FintechOS are evolving to support insurers in their fraud prevention strategies. Tune in for a candid discussion on the tools, technologies, and strategies shaping the future of insurance fraud detection.

Insurance Transformation: Stopping the Cycle of Failure

Why do so many insurance transformation projects miss the mark? In this episode, Scott Thomson, Industry Insurance Solutions Director (FintechOS), and Bart Patrick, Advisor (Coherent), draw from decades of industry experience to unpack the persistent challenges behind failed digital initiatives—legacy systems, misaligned expectations, and the illusion of progress.
They explore the real cost of technical debt, the overlooked importance of documentation, and why speed and honesty are more critical than ever. From AI use cases to IT bottlenecks, this candid conversation lays out what it really takes to make transformation succeed in today’s insurance landscape.

AI-Powered Product Management: Speed, Innovation & the Future of Banking

In this episode of Evolv, Byron Levin, Senior Solutions Consultant at FintechOS, joins us to explore how AI is revolutionizing product management in banking and insurance.
From breaking free of legacy systems to enabling faster, smarter product development, we discuss the shift toward AI-powered product engines, the rise of "vibe coding," and the challenges traditional institutions face in keeping up. Plus, we look ahead at the future, from agents-as-a-service to real-time, personalized financial experiences.

The AI Inflection Point: Transforming Financial Services with Intelligent Automation

Mark Dearman, Director of Industry Banking Solutions at FintechOS, sits down with Ben Thomas from Covecta and Michael Anyfantakis from Vigilant AI to explore:
AI’s Rapid Rise in Finance – AI adoption is outpacing past tech shifts, but with 70-80% of pilots failing, the gap between promise and reality remains.
The Shift to Agentic AI – AI is moving beyond chatbots to autonomous workflows, transforming lending and credit operations.
Balancing AI and Compliance – Banks must navigate data privacy, security, and regulatory challenges while ensuring AI transparency and responsible use.
The Future of AI in Banking – AI will drive efficiency and profitability, with early adopters gaining a competitive edge while others risk falling behind.
 

Beyond Compliance: Navigating DORA’s ICT Revolution in Banking

Mark Dearman, Director of Industry Banking Solutions at FintechOS, sits down with Nick Russell, Managing Director at Xonetic, to explore:
🔹 Why DORA is more than just compliance - it’s a cultural shift toward resilience🔹 The biggest challenges - legacy tech, cloud concentration, and cybersecurity threats🔹 How AI, incremental modernization, and fintech partnerships can turn compliance into a competitive edge🔹 The huge risks of non-compliance (think GDPR, but with even bigger fines)