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FintechFlow podcast

FintechFlow podcast

By Linda Sallai

This is a show on fintech in the CEE region and beyond.

Welcome to Fintech Flow, where we deep dive into the depth and complexity of successful start-ups, explore the ways to new capital and draw in the points of views from the incumbents.

From Budapest Hungary, Linda Sallai will explore the odd angles, sit down with bright Fintech minds and bridge together the gap in mind-set between the legacy players and today’s innovators.

We will learn from each other, learn with each other, link up and connect through our common passion for easier, better and cheaper solutions,

We’ll seek for user c
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Match Made in Heaven - Further Merges Trustedoctors with Frank Ahedo and Greg Jarzabek

FintechFlow podcastJan 13, 2021

Match Made in Heaven - Further Merges Trustedoctors with Frank Ahedo and Greg Jarzabek
Jan 13, 202132:59
4 Most Important Post-Covid Trends For Insurers with Roger Peverelli
Nov 12, 202019:18
AI in Insurance ft.Tractable and Zelros

AI in Insurance ft.Tractable and Zelros

This is the 33rd episode of FintechFlow where we dive deep into artificial intelligence. AI is one of the most used buzzwords these days, and now we will look deeper into it to see how an insurance company could really utilize it. I have two guests representing two very different AI driven insurtech startups today. Both are trying to tackle a concrete business case on the insurace value chain and to prove that their AI solution is a complete game changer.

One of the startups, Tractable develops artificial intelligence for accident & disaster recovery. Their AI looks at photos of damage and predicts repair costs.12 of the top 40 motor insurance companies worldwide are amongst their clients

and they have raised $55m in venture capital from world-leading VC funds.

The other company is Zelros. Their mission is to enable insurance players to revolutionize and re-enchant their relationship with their customers by letting them take ownership of AI.

This episode is brought to you by the Digital Insurance Agenda (DIA), the best run insurance related conference I have ever experienced.

Sep 13, 202020:54
A Covid-19 vezeti a bankszektor digitális transzformációját? Bartha Lajoss (MNB), Gáborjáni Szabó Ákos (, Mudri György (FintechX, Wyze, Aggreg8, Fintechblocks), Szabó Balázzsal (CI

A Covid-19 vezeti a bankszektor digitális transzformációját? Bartha Lajoss (MNB), Gáborjáni Szabó Ákos (, Mudri György (FintechX, Wyze, Aggreg8, Fintechblocks), Szabó Balázzsal (CI

Ez a FintechFlow podcast 32. epizódja, amelyben arra a kérdésre keressük a választ, hogy valóban a koronavírus vezeti a bankszektor digitális transzformációját? Eddig az látszik, hogy a pénzügyi szektor inkumbens szereplői, a bankok és a biztosítók elképesztő gyorsasággal zárkóztak fel a digitális létre, s a járvány első két hónapjában eddig megugorhatatlannak tűnő akadályokat döntöttek le, az eddig jellemzően csak fintech-ek által használt eszköztárak segítségével. A távmunkának köszönhetően az agilitás ha nem is szervezett formában, de ösztönösen megjelent a legnagyobb pénzintézeteknél is. De kitartha-e ez a lendület, és valóban komolyan megkezdődött most ennek a tradicionális iparágnak a digitális transzformációja? A mai epizódban erre a kérdésre keressük a választ. Ez az epizód egy különkiadás, hiszen a kerekasztal beszélgetés eredetileg a Startup Safari keretei között zajlott, és most ezt hallgathatjátok meg podcast formátumban is.

Ha tetszett az epizód, iratkozzatok fel a FintechFlow podcastra a kedvenc podcastmegosztó platformotokon, vagy a oldalon. Külön köszönjük, ha értékeltek is minket ugyanitt.

May 26, 202001:10:15
Innovation at a major insurer, Generali - with Bruno Scaroni director of strategy at Generali Group

Innovation at a major insurer, Generali - with Bruno Scaroni director of strategy at Generali Group

This is the 31th episode of FF, and I am really happy and honored to talk about innovation in insurance with Bruno Scaroni, who is director of group strategy and innovation at Generali. It is really interesting to see how a big insurance company sees its future and the directions it should navigate itself. This episode is brought to you by the Digital Insurance Agenda (DIA), the best run insurance related conference I have ever experienced.

#insurance #insurtech #innovation #strategy #generali #lifetimepartner #dia #diamuc #fintech #fintechflow #followtheflow #podcast

Jan 29, 202019:24
A robot is my guest! Interview with David Chen (Hanson Robotics, AngelVest) and Sophia, the robot.

A robot is my guest! Interview with David Chen (Hanson Robotics, AngelVest) and Sophia, the robot.

This is the 30th episode of FF, and I promise this will be a special one. I am going to have two awsome guests today. A person and a robot. Thanks to the Digital Insurance Agenda, the best run insurance related conference I have ever experienced, I had the chance to talk to David Chen, who is co-founder of AngelVest, with whom he is focusing on invest in early-stage businesses. He is also CFO and board director at Hanson Robotics that is an AI and robotics company dedicated to creating socially intelligent machines that enrich the quality of our lives. Their most advanced human-like robot, Sophia is my second guest today. She is basically a celebrity, definately the one who were on most selfies at the DIA conference. . As a unique combination of science, engineering, and artistry, Sophia is simultaneously a human-crafted science fiction character depicting the future of AI and robotics, and a platform for advanced robotics and AI research.

Dec 11, 201918:05
Üdv neked, conversational banking! MI Koalíció Hetényi Márkkal
Nov 27, 201924:23
Reinventing Insurance Sales with Dr. Robin Kiera

Reinventing Insurance Sales with Dr. Robin Kiera

When we talk about selling life and health insurances in the CEE region we still imagine it the old fashion way: agents are calling possible clients trying to awake demand for the product they would like to sell to them. This is the 28th episode of FintechFlow where I will talk to one of the top 10 insutrech influencers about how to conquer the heart,  mind and  homescreen of your customer.  We will discuss how sales agents could leverage technology, and what changes this should bring to their managers and even to the C-suit. 

My guest today is dr Robin Kiera, who is a recovering sales agent himself, so he has first hand experience on selling insurances. Robin is, founder, thought leader at which is one of the hottest consultancy agencies in the insurtech scene.

This episode is brought to you by te help of Magic of Innovation conference (MOI). 

Nov 14, 201928:12
The Four Waves of Insurtech with Roger Peverelli

The Four Waves of Insurtech with Roger Peverelli

coupon code: DIA200FTFLOW

This is the 27th episode of FintechFlow and we continue our journey on the insurtech field. Today we will have a historic overview on how insurtech has developed in the past years, and we will also look into future trends.

Thanks to the Magic of Innovation conference, I have an awesome guest to discuss all this, he is Roger Peverelli.

Roger is a sought-after speaker, a  best-selling author, an expert in digital innovation and customer engagement strategies. He is also the co-founder of the Digital Insurance Agenda, a global conference connecting insurance executives with insurtech leaders. Roger is listed on the global top 50 insurtech influencers.

Oct 28, 201923:22
The Most Interesting Man in Insurance - Rob Galbraith interview

The Most Interesting Man in Insurance - Rob Galbraith interview

This is the 26th episode of FintechFlow which is brought to you by Magic of Innovation, which is a conference about insurance and innovation. On this episode I will be talking with Rob Galbraith, the most interesting man in insurance, who came over to the conference from the US.

I am in Wien at the MOI conference and talking with Rob Galbraith, author of the book: The end of insurance as we know it. Rob was names as “the most interesting man in insurance by Nick

Lamparelli and he has been ranked as high as ne 6 on the insurtech london top 100 influencers.

In your book you talk about the fact that regulation, reams of customer data and brand recognition make insurance harder to conquer for insurtech startups. But you say this time is different, and now the industry will be disrupted. What makes you think that?

You also say in your book that insurance leaders are undeprepared for the size, scale and speed of the change that is to come. How do you think we should prepare?

Thank you for listening! If you liked the show, please subscribe so that you never miss an episode, and if you really loved us, please rate the show. Next time I will have another awsome guest from MOI, and we will be talking about how to conquer the hear, mind and homescreen of your customer with dr Robin Kiera. Unitl than stay tuned and follow the flow.

Sep 25, 201923:22
Magic Of Innovation in Insurance

Magic Of Innovation in Insurance

Promotion code: FintechFlow – get 40% discount

Az innováció ma már az egyik legtradicionálisabb iparágban, a biztosításban is elkerülhetetlen. Míg a fintech vállalatok a banki megoldások terén kínálnak gyors, , olcsó, kényelmes és fogyasztóbarát megoldásokat, az insurtech cégek a biztosítási iparágat forgatják fel. Ma már a biztosítók sem versenytársakat, hanem potentciális partnereket látnak bennük, és az együttműködést keresik.

Ez a FintechFlow 25. Epizódja, amiben arról fogunk beszélni, hogyan lehet ez az együttműködés minél sikeresebb a biztosítók és az insurtech vállalatok között.

Mai vendégem, Krizsán Erika az Insurance Factory alapítója, a Magic of Innovation konferencia szervezője. Erika évek óta azon dolgozik, hogy kreatív és innovatív biztosítási megoldásokat alkosson partnereivel, segítve az együttműködést a nagy biztosítótársaságok és a fiatal startupok között.

Az idei Magic of Innovation konferenciára szeptember 18-19-én Bécsben kerül sor. A FINTECHFLOW promócios kóddal 40% kedvezménnyel tudtok jegyet vásárolni itt:

Aug 28, 201933:44
Startup Collaboration - The HR Angle

Startup Collaboration - The HR Angle


According to KPMG's report on The future of HR, 4 in 10 HR leaders state that workplace culture remains a top barrier to digital transformation and 70% of HR executives recognizes the need for workforce transformation.  

If we look into the financial scene, this need of cultural change could be considered inevitable in order to compete with fintechs and bigtechs. The task-oriented work culture should be turned into a more innovative and experimental workforce.   

 This is the 24th episode of FintechFlow and today we will discuss the HR angle of collaborating with start-ups. We will try and  discover how HR could help to make these collaborations successful and what are the additional benefits these could bring to a big financial institution and to a startup. 

For this episode I partnered up with Nestholma , an international organization that helps startups and large corporations to work and build businesses together. They have organized more than 25 collaboration programs so far in 10 countries.  

I have two amazing guests for todays topic. Virpi Jalonen is here with us who is Renewal Strategist of Nestholma, coach and entrepreneur with background in various HR and development roles both in big corporations and startups. We also have Rudolf Vogl with us, who is former head of corporate HR at Raiffeisenbank International, now independent HR advisor for connecting business and people.






Jul 24, 201928:44
Insurance 2.0 - Cherrisk, the Spotify of Insurance
Jul 03, 201933:08
Business of Design with Family Finances - interview with Ivan Muck

Business of Design with Family Finances - interview with Ivan Muck

Not one day passes by in the financial industry without hearing/reading or talking about design. It has become a trendy buzzword, but in reality it is much more. McKinsey released an in-depth report in October 2018 on the business value of design.
This research revealed striking findings. They found a strong correlation between better design and superior business performance. The companies who were in top-quartile with their design increased their revenues and total returns to shareholders substantially faster than their peers over a five-year period.
It seems like design have its affect regardless on the industry, as the previously mentioned findings were true in all three of the industries they looked at: medical technology, consumer goods, and retail banking.
So we can say, that besides being a trendy buzzword, the potential for design-driven growth is enormous in both product- and service-based sectors.
Today we will take a deeper look at design. We will discuss the value of design, how it could be created successfully, how can we measure it and what impact will it have.
I have an awesome guest to discuss design with, as Iván Muck is by my side, who is co-founder and responsible for business development at Family Finances.
Family Finances is a fintech startup offering design-driven mobile banking solutions for financial institutions with a special focus on younger customers, including off-the-shelf solutions that are all easy to integrate and white-label as well as an end-to-end service from UX research, through UX/UI design to implementation.
#design #designthinking #designmetodologies #UX #UI #familyfinances #fitnech #youthbanking #fintechflow #followtheflow #podcast #sg #sgalle
Jun 19, 201935:24
Speed is the Best Risk Management - Nick Suhr (KASKO Insurtech) interview

Speed is the Best Risk Management - Nick Suhr (KASKO Insurtech) interview


The insurance sector is facing similar challenges as the banking sector. While fintech companies are here to bring changes in  banking and in our everyday lives, insurtechs are ready to enter the insurance market and use technology to disrupt it. These tech savvy players are developing innovative products, which they deliver digitally and in a fraction of the time.  

While a couple years ago insurtechs and incumbent insurance companies were considered competitors, and the question was who would win the race, today collaboration seems to be the key word.  

 In this episode of FintechFlow we will discuss what is the reasoning behind seeking this collaboration between insurers and insurtechs. We will also discover how a traditional big financial institution as an insurance company carryying all its legacy can work successfully together with the small, tech-savvy design thinking startups?  

Today I have an awesome guest to discuss all this, he is Nick Suhr, co-founder and CEO of Kasko.  

Kasko is an insurtech as a service company who desings, distributes and runs digital insurance products for any distribution channel. They enable big insurance companies to create value proposition to their customers in a matter of weeks at a fraction of the costs, or as they put it: "they enable oil tankers to move like speed boats." Not only their work but their list of awards also show that they are really here to make an impact. Just to mention one: Kasko was selected as best outsourced partner of   

2017 at Digital Post's Digital and insurtech Awards. So I am sure Nick is the best person to help me get around how a cooperation between insurers and insurtechs can be successful. 

May 29, 201936:44
360 View on Corporate Innovation at the Biggest Hungarian Bank, OTP
May 15, 201937:48
Blockchain Over the Hype
May 01, 201953:30
How to Accelerate Your Startup
Apr 18, 201926:59
The Blockchainsmokers at Startup Safari
Apr 17, 201901:21:33
Azonnali fizetés egyszerűen - Neked
Apr 08, 201930:56
The outside in method – the ingredients for successful open innovation with János Pereczes
Mar 27, 201930:21
The return of the Fintech Jedi  - Balázs Vinnai interview
Mar 20, 201954:05
The Finovate Story ft. Best of Show winners Dorsum and W.UP
Mar 06, 201937:18
Do not go global, start global - Brokerchooser's international journey
Feb 27, 201932:51
It takes two to tango (in the fintech world as well)
Feb 20, 201930:04
How to disrupt your disruptors? - Erste George Labs interview with Boris Marte
Feb 13, 201923:41
The legal point of view – Cristina Reichman interview
Feb 06, 201917:05
Hungary's Best Incubator: CEU Innovations Lab
Jan 30, 201925:53
Fintech-Corporate Collaboration – How to Get Better with Daniel Collado-Ruiz, CEO of Nestholma
Jan 23, 201921:30
Luxembourg House of Fintech (LHoFT) Ft. Alex Panican

Luxembourg House of Fintech (LHoFT) Ft. Alex Panican

Linda talked with Alex Panican who is head of partnerships and ecosystem at the Luxembourg House of Fintech. Luxembourg is a country, where the Finance Minister launches the House of Fintech, the regulator is quite open for innovation, they have regulated crypto exchange platforms and they start teaching kids coding at the age of six. Alex shared me all this and much more. Special thanks to Hajnalka Bessenyei&Fintech Camp Hungary&Beyond Banking Bp!
Jan 16, 201921:14
Israel's fintech ecosystem - Equitech interview
Jan 09, 201926:48
Chatbot startup meets Japan's tech mogul at Techstars accelerator - Talk-A-Bot interview

Chatbot startup meets Japan's tech mogul at Techstars accelerator - Talk-A-Bot interview

Linda talked with Akos Deliaga, one of the co-founders at Talk-A-Bot, a Hungarian chat-bot provider start-up.
Akos talked about why is it a great strategy to embed your chatbots into superapplications.
Talk-A-Bot was one of the 10 start-ups that could participate in Techstars accelerator program powered by Rakuten. Akos talked about the program.
Akos revealed what is the goal with their recently announced 2M Euro investment and he talked about the interesting business strategy they choose.
Jan 04, 201933:20
Revolut - The seal team six of the financial sector

Revolut - The seal team six of the financial sector

Linda talked with Andrius Biceika head of business development at Revolut. Revolut was founded in 2015, now (2018 Dec) they have more than 3M customers worldwide.
Andrius walked me through Revolut's world beyond banking. We talked about new product developments at Revolut, but also went deeper to understand the secret sauce behind Revolut's success and to discuss the role of neobanks/challenger banks in today's financial world.

Special thanks to Hajni Bessenyei and Fintech Camp.
Dec 30, 201822:31
Why ESG Investing is a Win-Win

Why ESG Investing is a Win-Win

Linda is talking with Balazs Faluvegi, who is one of the co-founders of Blueopes. Blueopes is a Hungarian wealth tech start-up, that is combining robo advising with ESG investing/social responsible investing.
Balázs talks about what is the reason why people choose ESG investing and he reveals why social responsible investing is a great financial decision besides being a nice and sustainalbe thought.
He also talks about the world's biggest fintech competition, the BBVA Open Talent Competition.
Dec 22, 201829:46
Happy Hacking at Junction X Budapest

Happy Hacking at Junction X Budapest

In this episode FintechFlow, I smashed things up a bit and instead of having an interview I prepared a report about Junction X Budapest. Junction is Europe's biggest hackathon and the guys from Tech Embassy brought it to Budapest . Over 200 hackers were competing from 40 countries in an astonishing atmosphere.
I hope you enjoyed the show. Don't forget to subscribe o you never miss and episode, and follow FintechFlow on Twitter or Facebook.
If you really loved it, please leave us a review.
Dec 13, 201833:00