The January 2021 episode of Breaking Banks Europe explores fintech trends, societal transformation, and the impact of COVID-19. Host Paolo Sironi discusses with guests Theodora Lau and Tony Fish how the pandemic exacerbated inequality, particularly among small businesses, minority communities, and women. The discussion emphasizes the need for fintech to drive greater financial inclusion, challenge outdated regulatory frameworks, and support underserved groups. The episode also delves into ESG (environmental, social, governance) considerations, questioning current incentive structures and the ethical use of data and AI. The speakers highlight new forms of risk emerging from increased digitalization, such as quantum and cyber risk, and stress the urgency of regulatory and systemic change. Finally, they touch on the evolving roles of big tech in financial services, privacy concerns, and the importance of creating purpose-driven, inclusive financial models. Theodora Lau introduces her upcoming book, Beyond Good, advocating for a financial system that balances profit and social impact.