FintechOS Evolv

Delivering Banking Transformation: From Mindset to AI at Scale

In this episode, we explore what it really takes to deliver banking transformation at scale, through a practical conversation with Nevenka Kajtna, Banking Products Delivery General Manager at NLB Komercijalna banka. Drawing on hands-on experience leading product delivery, operations, and large transformation initiatives, Nevenka shares how banks can modernize in fast-moving markets by focusing as much on people and processes as on technology. The discussion spans modernization, agile delivery, cultural change, and the responsible use of AI in banking.
Key learnings and takeaways:
Transformation beyond technology: Why successful modernization starts with mindset, culture, and ways of working, not just new systems
Agile delivery in traditional banks: How breaking work into smaller, outcome-driven initiatives builds momentum and accelerates value
People as the catalyst for change: The importance of engaging frontline teams, empowering champions, and listening to the quietest voices in the room
AI in banking operations: How NLB Komercijalna banka is using AI and automation to improve efficiency, reduce processing time, and deliver measurable results
Human-in-the-loop governance: Why responsible AI adoption requires strong controls, transparency, and human oversight
Whether you’re a banking leader, product or operations executive, or digital transformation professional, this episode offers practical insight into how banks can modernize responsibly while building trust, efficiency, and long-term value.
#DigitalTransformation #OperationalResilience #FintechOS #AIinBanking #BankingTechnology #AgileDelivery #ResponsibleAI

A CEO Perspective on Banking Growth and Opportunity in Moldova

In this episode, we explore banking growth, digital transformation, and AI adoption in Moldova’s financial sector through a candid conversation with Alexander Picker, CEO of Moldindconbank. Drawing on more than three decades of leadership experience across Europe and emerging markets, Alexander shares a pragmatic perspective on what it takes to modernize a bank in a complex regulatory and economic environment. The discussion covers banking strategy, technology modernization, and organizational change, and the evolving role of banks as trusted partners for businesses and individuals navigating uncertainty.
Key learnings and takeaways:
Banking growth in emerging markets: How Moldova’s economic and regulatory landscape shapes investment, competition, and long-term growth opportunities.
Digital transformation in banking: Why core system replacement alone does not deliver speed or scale without redesigning processes and operating models.
Blending digital and human banking: How Moldindconbank is combining branch networks, advisory roles, and digital channels to improve customer experience.
AI in financial services: Where AI can drive real efficiency and decision support today, and why governance and accountability remain critical.
Leadership in regulated environments: Lessons from leading large-scale banking transformation while maintaining trust, stability, and compliance.
Whether you’re a banking executive, financial services leader, or digital transformation professional, this episode offers a CEO-level view on building resilient, growth-oriented banks in dynamic and regulated markets.
#FintechOS8 #AIinFS #ResponsibleAI #AIGovernance #ProductOps #DigitalTransformation #FinancialServices

Cybercrime, AI, and the Future of Fintech

In this episode of FintechOS Evolv, Mark Dearman is joined by Billy Ferguson, CTO at ThinCats, to explore the realities of digital transformation, cyber threats, and the growing role of AI in financial services. Billy shares how ThinCats transformed its lending operations — decommissioning legacy systems, migrating entirely to the cloud, and building a scalable, secure digital platform that processes all loans through a single system. He reflects on the lessons learned from a rare success story in digital transformation and offers practical advice for leaders navigating similar journeys. The conversation dives deep into today’s most pressing challenges and opportunities for banks and lenders, including:
🔹Digital transformation: How ThinCats built a unified, end-to-end platform and the principles behind a successful transformation.
🔹Cybersecurity threats: Real-world lessons from high-profile retail and banking cyberattacks, how social engineering breaches happen, and why physical security keys are making a comeback.
🔹 AI in defense and offense: How AI is being weaponized by cybercriminals — and how financial institutions can use the same tools to fight back.
🔹 AI in operations: From automating data extraction to natural language interfaces and predictive analytics, Billy shares how ThinCats is piloting AI to streamline lending workflows.
🔹Future vision: Why the next wave of innovation will focus on data quality, secure ecosystems, and AI as a core capability, rather than an add-on tool.
Packed with insights on technology strategy, risk mitigation, and innovation, this episode is a must-listen for anyone navigating the evolving landscape of financial technology.
#AIinFinance #CyberSecurity #DigitalTransformation

Can Building Societies Survive the Next 250 Years?

How do Building Societies modernize without losing what makes them trusted? In this new episode of the FintechOS Evolv Podcast, we dive into the future of mutuals and what it really takes to scale, digitize, and stay true to purpose.
Host Mark Dearman is joined by Julian Wells (Whitecap Consulting), Robert Thickett (Building Societies Association) and Mark Collings (Publicis Sapient)
They explore:
🔹 Why physical branches are evolving, not disappearing🔹 How AI is being tested (carefully) across the sector🔹 The role of data in making lending safer and smarter🔹 What’s slowing down green finance uptake🔹 How to engage a generation that’s never seen a passbook
In a world chasing scale at speed, building societies are taking a different path: modernizing with purpose, and planning to be around for another 250 years.
#BuildingSocieties #Mutuals #DigitalTransformation

AI, Access, and Embedded Finance: Rethinking Financial Services for SMEs

Small businesses are the backbone of the economy. So why are they still so hard to bank? In the latest episode of the FintechOS Evolv Podcast, Mark Dearman sits down with Andrew Martin (SMEB) and Roger Vincent (Bourn) to explore what’s broken in SME finance and what it’ll take to fix it.
They get into:
🔹 Why legacy banks can’t crack the SME code
🔹 How fintechs are fusing lending, payments, and AI
🔹 What real bank–fintech collaboration looks like
🔹 Why embedded finance is more than a buzzword
🔹 How open banking and AI are reshaping relationships
 
If you’re building for SMEs - or just trying to serve them better - this one’s for you.

Tech, Trust, and Talent: Fixing the Foundations of Insurance

What’s holding insurance back—and what will push it forward? In this episode, Elliott Green, Insurance Sales Director at FintechOS, discusses the future of insurance with Daren Rudd from CGI and Scott Thomson from FintechOS, exploring cultural barriers and outdated technology, as well as the shift toward life-centric, customer-first models.
They dive into:
Why resilience is now a boardroom priority
The challenge of attracting new talent and retiring legacy systems
The role of AI, data, and gamification in modern insurance
What “insurtech” really means today (and whether the term still matters)
How the industry can build trust and make insurance more meaningful
Whether you're an insurer, innovator, or just curious about where the industry is headed, this episode will get you thinking.
🔔 Don’t forget to like, subscribe, and turn on notifications for more fintech and insurance insights!
#InsuranceInnovation #LifeCentricInsurance #Insurtech #DigitalTransformation #LegacySystems #CustomerExperience #OperationalResilience #FintechOS #FutureOfInsurance #InsuranceIndustry

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.