Dave and Dharm DeMystify

About Dave and Dharm DeMystify

A unique perspective of Fintech formed through decades of designing and delivering online financial services.

Publisher

Dave and Dharm DeMystify Fintech

Category

business

Language

en

Explicit

No

First episode

16 Sept 2020

Latest episode

15 Sept 2026

Latest episodes

171 episodes in the feed.

1. 

   15 Sept 2026

   Demystifying Agentic Commerce & the Future of Digital Trust with Lionel Grosclaude

   In this week's episode, Dave and Dharm are joined by Lionel Grosclaude, CEO of Fime, to explore what happens when artificial intelligence moves beyond helping us make decisions and starts making purchases and payments on our behalf. As AI agents become increasingly autonomous, a fundamental question emerges: how do we know they're actually doing what we asked them to do? Lionel explains why authentication alone may no longer be enough. Merchants and payment providers will need to understand whether an agent has permission to make a purchase, whether it has followed the user's mandate and whether it has behaved legally, securely and fairly along the way. The conversation explores the trust challenge this creates for consumers and merchants, from fraud and chargebacks to agents sharing information they shouldn't or operating outside the parameters set by their users. Lionel also introduces Fime's FACT solution, designed to verify agentic transactions and create an audit trail when something goes wrong. The discussion moves into stablecoins, micropayments and interoperability, exploring how new forms of digital money could fit into an increasingly AI-driven payments ecosystem. Lionel also shares a striking personal example of the risks already emerging from AI-enabled fraud, after fraudsters impersonated him on WhatsApp and used an AI-generated version of his voice during an attempted $150,000 fraud. Looking ahead, the conversation explores where agentic commerce could become part of everyday life, why humans may remain involved in more personal purchasing decisions, and how AI could accelerate innovation while creating an increasingly complex financial ecosystem. For anyone interested in AI, agentic commerce, payments, fraud, digital identity or the future of financial services, this episode offers a fascinating look at what needs to happen before we can safely allow AI agents to start spending our money.

2. 

   8 Sept 2026

   Demystifying AI Regulation, Innovation & the Future of Financial Services with Colin Payne

   In this week's episode, Dave and Dharm are joined by Colin Payne, Head of Innovation at the Financial Conduct Authority (FCA) and Chair of the Global Financial Innovation Network (GFIN), to explore how regulators are adapting to one of the fastest periods of technological change the financial services industry has ever experienced. Drawing on decades of experience leading digital transformation before joining the FCA, Colin explains how regulation is evolving from simply responding to innovation to actively helping firms develop emerging technologies responsibly. The conversation explores why regulators must work alongside industry if the UK is to remain a global leader in financial innovation. The discussion begins with Colin's role at the FCA and GFIN, where he works with more than 100 regulators worldwide to explore emerging technologies through practical experimentation. Rather than attempting to predict every technological development, the focus is on creating environments where firms can innovate safely while maintaining strong consumer protections. A major theme throughout the episode is artificial intelligence and the rise of autonomous, agentic AI. Colin explains why he believes intelligent software agents could become one of the most transformative technologies in financial services, enabling everything from personalised financial advice to automated payments and entirely new financial products. At the same time, he discusses the challenges regulators face in balancing innovation with trust, transparency and consumer protection. The conversation also explores the FCA's increasingly technology-positive approach to regulation. Rather than creating prescriptive rules for rapidly evolving technologies, Colin explains how principles-based regulation, innovation sandboxes and AI labs allow firms to test new ideas while giving regulators valuable insight into how these technologies perform in practice. Another fascinating topic is the convergence of AI, quantum computing, tokenisation and open finance. Colin discusses why these technologies should not be viewed in isolation, but as interconnected developments that will reshape financial services over the coming decade. The episode examines how financial institutions can prepare for this future while remaining resilient to emerging risks. The discussion also looks at the UK's position as a global fintech leader. Colin shares why he believes the country's combination of financial expertise, strong regulation and world-class innovation creates a unique opportunity to lead the next generation of financial services, provided industry and regulators continue working together. Finally, the conversation explores what the future of regulation itself could look like, from AI-assisted supervision and smarter regulatory technology to new ways of helping firms innovate safely without slowing technological progress. Colin shares his vision of a regulator that actively participates in shaping the future of financial services, rather than simply responding to it. For anyone interested in fintech, AI, regulation, digital transformation or the future of financial services, this episode offers a fascinating insight into how innovation and regulation can work together to build a safer, smarter and more competitive financial system.

3. 

   1 Sept 2026

   SPECIAL EPISODE: Demystifying The Intelligent Ledge with Dharmesh Mistry and Lou Carlozo

   Host Dave R. and industry experts Dharmesh Mistry, author of "The Intelligent Ledger," and Lou Carlozo, financial journalist, discuss how AI, tokenization, and quantum computing reshape banking in this interview.

Who has been a guest on Dave and Dharm DeMystify

Names identified in recent episode analyses. Showing up to five guests.

• Dharmesh Mistry
• Lou Carlozo
• Rob Rooney
• Paul Rolles
• Briana Marbury

Reach and audience

Public platform figures. Ratings count people who left a rating, not total listeners.

YouTube views

11,325

Score snapshot 15 Sept 2025

Apple Podcasts (US)

5.0 / 5

2 ratings

Spotify

5.0 / 5

5 ratings

Podcast Authority Score: 61 / 100

A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.

Quality

80

Social presence

0

YouTube

72

Engagement

32

Contact Dave and Dharm DeMystify

Guest appearances

Books guests

Based on episode analysis; this does not confirm that the show is currently accepting guests.

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