Join for a reality check: FinTech promise vs. reality over the last five years for a 5th Anniversary Special, live from Money2020 Europe, where Voice of FinTech founder Rudolf Falat spoke to Micky Tesfaye, Content Lead at Money2020.

Here is what they discussed in more detail:

• A customer universe of one: customer centricity, hyper-personalization, AI, and automation. Customer centricity is no longer only a North Star aspirational goal but an absolute must for everyone
• No longer chasing growth at any cost - marketplaces and profitability
• Sustainable growth and sustainable finance
• Are ESG ratings useful? Need to integrate climate and social responsibility into their everyday actions, beyond using buzzwords to impress. ClimateTech funding is still strong, and sustainability to stay, but need to be backed up with tangible results
• Crypto and blockchain - where is more traction?

Patrick Gauthier, Group CEO, Director & Chair Convera USA, Director and Chair Convera Europe Financial S.A., spoke to Rudolf Falat, founder of the Voice of FinTech podcast, about helping SMEs manage cross-border payments and more.

Here is what they covered in more detail:

• Patrick, as a key figure in the payments sector, could you share your professional journey and how it led you to your current role at Convera?
• What problem are you solving at Convera, and why is it worth solving? Why are B2B payments special, and why they have been slower to innovate
• How do B2B cross-border payment needs for SMEs differ from individuals or large corporations? How can you help?
• Who are your key clients?
• Which supporting technologies do you see as most promising for the payments sector?
• What’s your technology angle, or do you have more brilliant engineers than other players?
• Do you see real-time payments on the rise in the coming years? How are they relevant for B2B transactions? Will there be no more trade credit?
• Looking ahead, what are the key milestones that Convera aims to achieve in the near future, and how do you plan to reach them?
• Favorite business book: Good to Great: Why Some Companies Make the Leap & Others Don't by Jim Collins
• What’s the best way to reach out: Patrick Gauthier on LinkedIn

Hana Rolles, CEO of Paynetics UK, spoke to Rudolf Falat, founder of the Voice of FinTech podcast, about B2B payments, embedded finance, and more.

Here is what they covered in more detail:

• Hana's journey from an incumbent (VISA) to a start-up (Paynetics)
• Why are B2B payments special, and how do they fit into Embedded Finance world
• What is Paynetics' solution, and what is unique about it? Where do they sit compared to the classic four-party card payment ecosystem?
• Key clients
• Technology angle
• Will we see digital payments and e-commerce on the rise in the coming years?
• Which supporting technologies do you see as most promising for the payments sector? Digital identity, blockchain, crypto, instant payments and more
• Key milestones ahead of Paynetics
• What's your favorite business book? What Got You Here Won't GetWon'tThere: How Successful People Become Even More Successful
• How to reach out: check out Hana Rolles on LinkedIn.