Finance, Money and Other Demons
summary
Panel argues fintech isn’t dead but is shifting: national rails matter—SingPass and PayNow, Aadhaar and UPI and Brazil’s PIX enable zero‑cost rails for new lending and services. Cambodia accidentally deploys a retail CBDC with ~200,000 users via a blockchain vendor. BNPL shows high effective rates and reputational harm; UK e‑money approvals fall from 70% to 7%. B2C valuation busts force a pivot to B2B/B2G, while payment rails still block merchants with automated risk rules.
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chapters (20)
- 0:00Introduction and panel setup
- 1:00Fintech is dead debate
- 3:57Angels of fintech evolution
- 6:46Buy now pay later demon
- 8:11Regulators as angels or demons
- 10:18Islamic finance morality
- 12:01Starting a bank for social change
- 13:02Bootstrapping as a demon
- 14:44Financial inclusion gaps
- 15:06Venture capital morality
- 17:54Investment mindset for morality
- 19:22Fintech market crash analysis
- 21:07Banks as innovation angels
- 22:11Next fintech opportunities
- 25:42Big Tech fintech dominance
- 26:24Audience Q&A introduction
- 26:44Buy now pay later defense
- 29:12Fintech continuity and kingmakers
- 29:33Regulation and payment bans
- 32:47Closing remarks
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