Episode 60: The Invisible Layer of Embedded Finance

The buzzword is out and “Embedded Finance” came to influence how consumers/enterprises interact with goods and services, through these seamless processes, that perform in this so-called “invisible layer”. Ajit Tripathi takes the mic and starts to unravel it (in this first installment of the podcast on the topic) – by giving visibility to the concept and its nuances, together with experts on the topic Lars Markhull (Business Development, Weavr) and Raphael Dana (Co-Founder & Board Member, Gozem).

More about our guests:

Lars Markhull
Lars is part of the Embedded Banking provider Weavr and has been working in Fintech infrastructure since 2014. Before joining Weavr, he was working as a startup advisor and supported them in their supplier selection process and early product development. He started his Fintech career in 2014 as the first employee of Open Banking company Figo (now Finleap Connect) where he was leading the sales activities focused on non-banks. He lives in Berlin and actively supports local startups in their early stages.
Weavr: https://www.weavr.io/

Raphael Dana
Raphael is a serial entrepreneur which specialties include corporate finance, blockchain, disruptive business ideas, start-up modeling, go-global strategy, recruitment of growth team, sales, and marketing. Prior to founding Gozem, Raphael co-founded IEG Singapore Joint Venture with IEG Banking (Berlin) in 2017 to provide corporate finance advisory to technology companies in Southeast Asia (SEA). Passionate about Entrepreneurship and Innovation in Emerging Markets: Startup Mentor at Singapore Management University (Southeast Asia). In Singapore since 2013 where he founded Galixo, a boutique consultancy specialized in Disruptive Business Strategy, Go to Market Entry and Growth with deep exposure to emerging markets (APAC MEA). Leading client has been Viber (Rakuten) for their market entry strategy in APAC and Africa. Prior to moving to Singapore, co-founded a media group in Switzerland specializing in business, finance, and lifestyle. Scaled the business through franchising in more than 20 key cities around the world. Previously co-founded the leading web agency of Switzerland in the web 1.0 era. Awarded most promising entrepreneur of the new millennium by Bilan magazine in Switzerland in 2000 when Raphael was 26 years old.
Gozem: https://gozem.co/en/

Head of Institutional Business at Aave
About the Author
Ajit is the founder of Asango, a London Based global fintech consultancy that provides advisory services to fintech companies using Machine Learning and Blockchain Technology to deliver superior user experiences in financial services. Ajit is also the blockchain and cryptocurrency correspondent for Breaking Banks Podcast, the number 1 fintech podcast in the world. Prior to this, Ajit was the global Fintech leader with ConsenSys in the London Office and a director in Fintech and Digital Banking at PwC where he co-founded the blockchain practice. Ajit is a well regarded influencer, thinker, blogger and doer in the fintech and blockchain space. In 2017, he was recognised by coindesk as one of the key influencers at large enterprises and served on the Bank of England’s fintech advisory community. He has spoken at prominent fintech and blockchain conferences in the US, UK, Dubai, India, Japan and Hong Kong including Consenus, Money2020 Europe, Finsum Tokyo, Fintech Week and others. He’s been featured in the Breaking Banks, Blockchain Insider and Fintech insider podcasts, contributed to annual coindesk retrospective as well as quoted in the Financial Times, the BBC and a range of other publications. Ajit has served as a mentor at Startup Bootcamp and is currently advising a small number of selected stealth stage startups in fintech and blockchain. Ajit’s previous blockchain engagements include high profile financial services clients such as Bank of England, Nasdaq, Deutsche Bank. Deutsche Boers and MUFG and he’s been instrumental in advising regulators, board level executives and innovation labs across the world in the strategic implications of cryptocurrency, decentralised, peer to peer architectures. Ajit has a rich and varied background in risk and regulatory change program implementation, capital markets technology, distributed systems and telecom protocol engineering. Prior to PwC he served in technology management and innovation roles at Goldman Sachs, Barclays, GE-GXS and Bell Communications Research. Ajit has an MBA from IMD and a Bachelors in Electrical Engineering from the Indian Institute of Technology Kanpur. He is also a CFA charter holder and holds a GARP financial risk manager certification.