A unique perspective of Fintech formed through decades of designing and delivering online financial services.
Dave and Dharm DeMystify
Claim This Podcastby Dave and Dharm DeMystify Fintech
5.0(7 reviews)
165 episodes
Updated Daily
Accepts GuestsHas SponsorsLocation 🇬🇧
61
Podcast Authority
BetaGoodBased on show quality, social media presence, reviews, charts, and more
Quality80
Social0
YouTube72
Engagement32
Podcast Overview
A unique perspective of Fintech formed through decades of designing and delivering online financial services.
Language
🇺🇲
Publishing Since
9/16/2020
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61
Podcast Authority
BetaGoodBased on show quality, social media presence, reviews, charts, and more
Quality80
Social0
YouTube72
Engagement32
8
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9
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excellent
Episode Length
28 minutes
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Every 13 days
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Recent Episodes
July 3, 2026
Demystifying Tokenisation, Digital Currencies, and the Future of Payments with Arjeh van Oijen
In this week's episode, Dave and Dharm are joined by Arjeh van Oijen, Product Strategy Lead at Icon Solutions, to explore one of the most talked-about topics in financial services today: tokenisation and the future of digital payments. Drawing on more than 35 years of experience in payments and over a decade working with blockchain and distributed ledger technology, Arjeh explains why tokenisation is generating so much interest across banking, and how digital currencies could fundamentally reshape the way money moves around the world. The conversation begins with an introduction to Icon Solutions and its approach to modernising payment infrastructure. Arjeh explains how many banks still rely on multiple disconnected payment systems, creating unnecessary complexity, cost, and operational challenges. Rather than forcing banks into rigid vendor-controlled platforms, Icon enables financial institutions to customise and evolve their payment infrastructure themselves, allowing them to innovate faster and better serve customers. A major theme throughout the episode is understanding the different forms of digital assets. Arjeh breaks down the distinctions between cryptocurrencies, stablecoins, central bank digital currencies (CBDCs), tokenised deposits, and tokenised real-world assets, explaining how each serves a different purpose within the evolving financial ecosystem. The discussion also explores how tokenised deposits could transform domestic payments. Rather than replacing traditional money, tokenised deposits represent existing commercial bank money on distributed ledger networks, enabling faster settlement, greater flexibility, and the potential to operate independently of today's centralised payment infrastructure. The episode examines how this could support 24/7 settlement, reduce friction, and create entirely new payment models. Another key focus is the future of cross-border payments. The speakers discuss why international transfers remain slow, expensive, and reliant on complex correspondent banking networks, despite advances in financial technology. Arjeh explains how tokenisation, new payment rails, and blockchain-based settlement could dramatically simplify international payments by removing intermediaries, reducing costs, and enabling transactions to settle in seconds rather than days. The conversation also examines how these technological changes could reshape the wider payments industry. As new account-to-account payment networks emerge around the world, traditional card schemes and correspondent banking models may face increasing competition. The discussion explores how banks, payment providers, and financial institutions will need to adapt as new infrastructure becomes more efficient, flexible, and globally connected. Another fascinating theme is the growing intersection between payments and geopolitics. The episode considers why governments and central banks are paying close attention to payment infrastructure, digital currencies, and financial sovereignty. Topics such as the Digital Euro, stablecoins, reserve currencies, and Europe's desire to reduce dependence on global payment networks all highlight how technology and international politics are becoming increasingly intertwined. Finally, the discussion looks ahead to the long-term future of money. While tokenisation promises faster payments, lower costs, and greater financial innovation, it also raises important questions about the future role of central banks, commercial banks, national currencies, and the global financial system itself.
June 26, 2026
Demystifying Asset Finance, Building Societies, and the Future of Banking Technology
In this episode, Dharm sits down with Eric Bierry, CEO of SBS, to explore two often-overlooked areas of financial services: asset finance and the future of building societies. Drawing on decades of experience in banking technology, Eric shares his insights into how these sectors are adapting to artificial intelligence, tokenisation, and changing customer expectations. The conversation begins with Eric’s journey in financial software and the growth of SBS into a global provider of technology solutions for banks, lenders, and financial institutions. He explains how the company has evolved and why innovation remains critical in an increasingly competitive market. A major focus of the discussion is asset finance and the role it plays behind the scenes of industries such as automotive, agriculture, aviation, and heavy equipment. Eric explains how asset finance differs from traditional lending because the value of the underlying asset remains central to the financing decision. He also provides an overview of wholesale finance, where dealerships and distributors secure funding to finance inventory before assets reach consumers. Technology’s growing impact on asset finance is another key theme. Eric highlights how automation, AI, machine learning, and digital auditing are helping lenders make faster decisions, improve risk management, reduce fraud, and create more efficient financing processes. The pair also discuss tokenisation and how digital representations of assets could simplify cross-border financing and fleet management in the future. The conversation then turns to building societies and the challenges they face in keeping pace with large banks and fintechs. Eric argues that while smaller institutions may struggle to fund major technology investments alone, collaboration and shared infrastructure could help them remain competitive. He believes their long-term strength lies in combining modern digital capabilities with deep local knowledge and trusted customer relationships. Artificial intelligence features heavily throughout the discussion, with Eric explaining why generative AI is likely to deliver more immediate value than agentic AI for building societies. Rather than replacing people, he sees AI as a tool to enhance decision-making, improve customer service, and help institutions focus on their core mission of supporting members and helping people access property ownership. The episode also explores tokenised money, digital payments, and the future of financial infrastructure. While Eric believes tokenisation will eventually transform the movement of value and reduce friction in financial services, he expects adoption to be led by large-scale providers, with smaller institutions benefiting through participation in the wider ecosystem. Looking ahead, the discussion finishes with the future of core banking. Having worked through multiple generations of banking technology, Eric argues that regardless of whether systems are cloud-native or AI-powered, banks will always require trusted platforms capable of delivering accurate, explainable, and deterministic outcomes. For anyone interested in banking technology, asset finance, artificial intelligence, tokenisation, or the future of financial services, this episode offers a practical and insightful look at how traditional institutions are preparing for the next wave of innovation.
June 18, 2026
EP 160: Demystifying Cross-Border Payments, Tokenisation, and the Future of Global Banking
In this episode, Dharm sits down with Michael Boel, Head of Clearing Technology at Banking Circle, to explore why moving money around the world remains slower, more expensive, and more complex than many people realise. Drawing on more than 15 years of experience across banking, capital markets, and payments, Michael shares his journey through the industry and reflects on how payment infrastructure has evolved to meet the demands of an increasingly digital economy. He also discusses Banking Circle's growth from a startup into a global financial infrastructure provider serving banks, fintechs, and payment service providers worldwide. A central theme of the conversation is the inefficiency of traditional cross-border payments. While customers often expect transactions to happen instantly, international payments can involve multiple intermediary banks, foreign exchange conversions, compliance checks, and legacy systems. Michael explains how these layers create delays, increase costs, and add complexity for both businesses and consumers. Dharm and Michael explore the role of correspondent banking and why many international payments still rely on infrastructure that was designed decades ago. They discuss how intermediary institutions, bilateral agreements, and currency conversion processes contribute to both the cost and uncertainty often associated with moving money across borders. The conversation also examines how Banking Circle is tackling these challenges by connecting directly to local clearing systems and central bank infrastructures. By reducing reliance on intermediaries, the company aims to make global payments feel local, improving speed, transparency, and cost efficiency. Another key topic is tokenisation and its potential to reshape payments. As stablecoins and digital assets continue to gain attention across the financial sector, Michael shares his views on the opportunities they create, including faster settlement, greater transparency, and programmable payments. However, he also highlights the need for industry collaboration, investment, and regulatory certainty before these technologies can achieve widespread adoption. Regulation and financial crime prevention are another major focus. Michael explains the significant operational and technological investment required to meet anti-money laundering, sanctions screening, and compliance obligations, while balancing the need to deliver seamless customer experiences. Looking ahead, Michael predicts a future with greater interoperability between payment systems, increased adoption of tokenised assets, and reduced friction in global commerce. He also discusses the growing role of artificial intelligence in accelerating innovation and helping financial institutions manage increasingly complex payment ecosystems. For anyone interested in payments, banking infrastructure, fintech innovation, or the future of digital finance, this episode offers valuable insights into the forces shaping the next generation of global payments.
165 total episodes available
Recent guests on Dave and Dharm DeMystify
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Bartosz Skwarczek
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Ben Sheedy
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Vyacheslav Kim
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James Tweed
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Sergio Gago
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Marie Diron
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Gareth Richardson
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Vilius Oškeliūnas
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Roger Rouhana
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Slavo Vojacek
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Ricky Marcon
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Dharmesh
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