Today's guest is Richard Davies, CEO of Allica Bank, the fastest growing company in the UK from 2020 to 2024, built specifically to serve the small and medium sized businesses that traditional banks consistently overlook.

Richard has spent his career across some of the most influential names in banking and fintech — from Barclays and HSBC to being employee number one at Oak North, and Group COO at Revolut when it scaled from 5 to 15 million customers.

In this episode, we get into:

- What makes Allica Bank special and why he left Revolut to build it
- The real reasons behind Allica Bank’s rapid growth
- How Allica Bank serves one-third of the economy ignored by big banks
- The future of traditional banks — branches, consolidation, and what comes next
- The biggest trends and opportunities in fintech over the next 5 to 10 years
- How leading digital banks are using AI right now
- Richard’s hiring philosophy and what he looks for in people
- The future of Allica Bank

If you're building in fintech, banking, or thinking about your next career move, this one is worth your time.

Richard's LinkedIn:
https://www.linkedin.com/in/richard-davies-1323b2

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From a small village to the heart of global financial markets.

On our Women’s Day special, we host Charlotte Crosswell, Board Member at the London Stock Exchange.

Charlotte’s journey is an inspiration for many girls and women who want to build a career in fintech and financial services.

From humble beginnings in a small village to the global financial stage, she has held leadership roles at the London Stock Exchange, Nasdaq, Innovate Finance, and CFIT.

She was also among the few women on the trading floor in the 1990s, building her career in an industry that was still largely male-dominated.

In this episode, Matthew Cheung, founder of Work in Fintech, sits down with Charlotte to unpack:

✅ Her journey from a small village to senior roles at Goldman Sachs, Nasdaq, and the London Stock Exchange
✅ How fintech and technology are transforming financial services
✅ Why data ownership will define the future of financial markets
✅ The importance of innovation and continuous learning in a rapidly changing industry
✅ Practical advice for young professionals entering the industry

Coming just after International Women’s Day, Charlotte also shares her thoughts on the progress women have made in fintech and the opportunities and challenges that lie ahead.

Whether you’re interested in fintech, financial markets, or building a career in the industry, this episode offers valuable insights into leadership, innovation, and navigating one of the fastest-evolving sectors in the world.

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Today’s guest on the show is Sheel Mohnot, Co-founder and General Partner at Better Tomorrow Ventures, a San Francisco based seed-stage fund focused on fintech, with investments in companies like Ramp, Mercury, and Unit.

In this episode, host Matthew Chung, founder of Work in Fintech, sits down with Sheel to unpack:

✅ His journey from founder to venture capitalist
✅ What truly separates exceptional founders from the rest
✅ The role of luck and timing in startup success
✅ How AI is reshaping fintech and venture capital
✅ The next big opportunities emerging in fintech
✅ Practical advice for young entrepreneurs navigating risk, learning, and growth

Whether you’re an aspiring founder, investor, or operator, this episode offers an honest look at building in fintech, spotting opportunity early, and what it really takes to win in today’s startup ecosystem.

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Today’s guest on the show is Carlos Espinal, Managing Partner at Seedcamp, one of Europe’s leading seed-stage venture capital funds, with early investments in companies like Wise, Revolut, and UiPath.

In this episode, host Matthew Chung, founder of Work in Fintech, sits down with Carlos Espinal to unpack:

✅ Carlos early career & how he got into venture capital
✅ How Seedcamp spots billion-dollar founders before anyone else
✅ The key traits that separate exceptional founders from everyone else
✅ How the venture capital landscape has evolved
✅ The biggest opportunities in tech right now
✅ Practical advice for young entrepreneurs

Whether you’re an aspiring founder, investor, or someone looking to break into venture capital, this episode offers a candid look at how careers evolve, how great companies are built, and what it really takes to succeed in the startup ecosystem.

Important Links
https://cee.medium.com/how-venture-adapts-when-trust-erodes-41568a2deb33

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Today’s guest on the show is Francesco Filia, founder and CEO of Fasanara Capital, a global asset manager and technology-driven investment platform.

In this episode, host Matthew Cheung, founder of Work in Fintech, sits down with Francesco Filia to unpack:

✅ Francesco's early career and the key lessons that shaped him
✅ How the idea for Fasanara came about and the problem it set out to solve
✅ The biggest opportunities and trends in fintech today
✅ The main risk in the banking sector
✅ Why private credit is experiencing a moment of growth
✅ What he looks for when investing a company
✅ Advice for young people entering the workforce in the age of AI

If you’ve just graduated or are looking to enter fintech, this episode is packed with amazing insights and nuggets and is a must-watch.

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Today’s guest on the show is Gregory Van, Co-Founder & CEO of Endowus, Asia’s leading independent digital wealth platform.

In this episode, host Matthew Cheung sits down with Gregory to unpack:

✅ How the idea behind Endowus came about
✅ What makes Endowus unique
✅ How AI is used in wealth management
✅ Investment vs. speculation
✅ The reality of funds and management fees

And much more…

If you’re a founder, CEO, fund manager, or even an investor in the stock market, this episode of the WIF Podcast is highly insightful.

From understanding the wealth management business to how AI is used in wealth management ,this episode is packed with valuable insights.

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In this episode, host Matthew Cheung dives deep into Tom’s fascinating journey, from DJing during his university days to leading one of the most forward-thinking fintech companies in the world.

Here’s what you’ll learn:

✅ The sales playbook behind multi-million–dollar fintech enterprise deals
✅ How 10x Banking is powering the next generation of global banks
✅ The evolution of core banking and banking-as-a-service, and why it matters today
✅ How AI is transforming the way banks operate (and what’s next)

If you’re in fintech, sales, or tech leadership, this episode is packed with insights on how to sell and scale in one of the fastest-changing industries on earth.

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Today’s guest on the show is Charlie Youakim, Co-founder & CEO of Sezzle, the fast-growing Buy Now Pay Later (BNPL) platform.

In this episode, host Matthew Cheung sits down with Charlie to unpack:

✅ Sezzle’s business model
✅ How Sezzle makes money
✅ The shift that led to their rapid profitability & explosive growth
✅ How a billion-dollar company thinks about hiring
✅ Why BNPL is shaping the future of commerce, and what’s coming next

If you’re a founder, CEO, operator, or anyone building in fintech, this conversation is a masterclass.

From understanding how business model innovation can change a company’s trajectory to learning how top fintech leaders hire and scale, this episode is packed with insights.

Check out our website and subscribe to our mailing list to hear more about opportunities in fintech and web3.

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