Special Episode – Platform Innovation from within a Bank 101

If you still think banks cannot innovate in the platform economy, you can’t miss this episode. Paolo Sironi hosts 2 interviews: first with Rajesh Kumar, former Chief GM of State Bank of India and mastermind of YONO (“You Only Need One”) lifestyle and banking app – a digital marketplace and financial superstore. Rajesh kindly shared his managerial experience to create – from within a bank – a non-banking app that has more traction than Amazon for some products. YONO excels in symmetry (e-commerce) to contextualized asymmetry (banking). The conversation continues with Germain Bahri, reflecting on YONO and the status of open baking in Europe. Germain started his career in private banking at UBS and worked for several prominent fintech companies in Silicon Valley and London. Today he works as a Digital Banking Consultant advising fintechs, international banks and large corporations on how to launch innovative products and how to stay relevant in the digital world.
We want to make sure you know what it takes to lead on the platform economy.

Connect with the guests:
Germain: https://www.linkedin.com/in/germainbahri/
Rajesh: https://www.linkedin.com/in/rajesh-kumar-1760a026/

IBM FinTech Strategy and Author
About the Author
Paolo Sironi is the global thought leader in banking and financial markets at IBM Institute for Business Value. A trailblazer in fintech, Paolo’s insights resonate across the industry, making him one of the most respected voices in the field. As the host of THE BANKERS’ BOOKSHELF podcast, he brings cutting-edge research to life, sharing the stories and strategies behind financial innovation. With a career spanning from start-up entrepreneurship to leading risk management as a quantitative engineer in investment banking, Paolo’s expertise bridges the gap between technology and finance. His groundbreaking books, including the Amazon bestseller "Banks and Fintech on Platform Economies", have become essential reading for professionals navigating the evolving financial landscape.
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