The Change Officer: Future of Financial Services Poddster

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In part 2 of our episode with J.K. Khalil of Mastercard, the conversation shifted to the topic of AI and its impact on society. Vuk and J.K. discussed the rise of AI and its accessibility, as well as the potential positive and negative implications for society.

Key findings from the episode:
AI has been in development for decades, but it wasn't until the launch of ChatGPT that the world started paying more attention to it.The book "Stealing Fire" by Steven Kotler was referenced, which discusses the idea that every technology held by elites will eventually be stolen and given to the masses.ChatGPT is compared to Prometheus, who stole fire from Zeus to give to the people and suffered the consequences for it.AI has been used for years in industries such as finance to catch fraud and run cybersecurity routines.The accessibility of coding knowledge has made AI more broadly available and has led to an increase in use cases, from silly videos to more intelligent applications.The increased use of AI can have positive implications, but also potential negative consequences that need to be considered.The conversation on AI and its impact on society is an ongoing one, and this episode provides valuable insights into the topic. The rise of AI has the potential to revolutionize many industries and aspects of daily life, but it's important to consider the potential consequences and ensure that it is used for the greater good.
The Change Officer Podcast's Future of Financial Services Series is brought to you by HolyWally, the world’s first wallet-as-a-service platform. To find out how HolyWally can help you create a mobile wallet to increase your revenue and reduce your time to market, visit their website: https://www.holywally.com
Find J.K. online: https://www.linkedin.com/in/jkkhalil/

🎬 This episode is produced by Poddster, an end-to-end video podcast production company that helps businesses conceptualize, produce, manage, and grow podcasts for their brand. Click this link to book a free consultation with Poddster's team or rent a studio: poddster.com/book-free-consultation/

📹 Check out Poddster studio based in Dubai Media City: poddster.com/podcast-studio-dubai/

✨ They say that change is the only constant. If this is true, we want to know what is the change ahead. To get the answers, our hosts Ivan Zeljkovic and Vuk Zlatarov are talking to the change-makers themselves. We invite you to join us on the journey of getting the answer ✨

FOLLOW THE CHANGE OFFICER: www.thechangeofficer.com
Instagram - www.instagram.com/thechangeofficer
LinkedIn - https://www.linkedin.com/company/the-change-officer-podcast/
Twitter - twitter.com/changeofficer_
TikTok - www.tiktok.com/@thechangeofficer

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In this episode of The Future of Financial Services Podcast, host Vuk is joined by J.K. Khalil, General Manager, MENA East at Mastercard. J.K. brings a wealth of experience in technology, FinTech, and strategy consulting to the show, along with a deep understanding of the MEA markets. The discussion centres around the future of financial services, the power of partnerships, and the role of AI in this industry and beyond.

In Part 1 of the episode:
J.K. Khalil offers a unique perspective as an enabler of all other players in the industry, providing a bird's eye view of what's been happening and what's to come in the future.In this episode, they discuss the various ecosystem players and their views on the future of financial services, including retailers, fintechs, and tech enablers.They delve into the change that's been happening in the industry over the previous years, looking at how technology and innovation have transformed financial services.The power of partnerships is also discussed, with a focus on the importance of collaboration between traditional financial institutions and fintech startups.Finally, they touch on the role of AI in the industry and beyond, exploring its potential to revolutionize various aspects of our lives.With J.K. Khalil's insights on the future of financial services, listeners can gain a better understanding of the current state of the industry and what we can expect to see in the years to come. The conversation provides a valuable perspective on the power of partnerships and the role of AI, highlighting the potential for collaboration and innovation in the financial services sector.

The Change Officer Podcast's Future of Financial Services Series is brought to you by HolyWally, the world’s first wallet-as-a-service platform. To find out how HolyWally can help you create a mobile wallet to increase your revenue and reduce your time to market, visit their website: https://www.holywally.com

Find J.K. online: https://www.linkedin.com/in/jkkhalil/

🎬 This episode is produced by Poddster, an end-to-end video podcast production company that helps businesses conceptualize, produce, manage, and grow podcasts for their brand. Click this link to book a free consultation with Poddster's team or rent a studio: poddster.com/book-free-consultation/

📹 Check out Poddster studio based in Dubai Media City: poddster.com/podcast-studio-dubai/

✨ They say that change is the only constant. If this is true, we want to know what is the change ahead. To get the answers, our hosts Ivan Zeljkovic and Vuk Zlatarov are talking to the change-makers themselves. We invite you to join us on the journey of getting the answer ✨

FOLLOW THE CHANGE OFFICER: www.thechangeofficer.com
Instagram - www.instagram.com/thechangeofficer
LinkedIn - https://www.linkedin.com/company/the-change-officer-podcast/
Twitter - twitter.com/changeofficer_
TikTok - www.tiktok.com/@thechangeofficer

HolyWally 👉 https://bit.ly/3h2hkWl

For decades, there has been talk of technology taking over the world in the next 5 or 10 years. However, one industry that has managed to defy that convention has been banking. 

While many other industries have embraced technology and efficiency, banking remains steeped in tradition and heritage. To find out why, the renowned Steve Monaghan joins us for an in-depth analysis of how technological inventions could positively impact banking.

Over his illustrious career, Steve has led the development and implementation of revolutionary technologies in artificial intelligence, digital health technology, and more. Steve's experiences in banking include leading the innovation team at DBS and generating an impressive 2.2 billion yen in profit for Shinsei Bank in Japan, which was operating at a 6 billion yen loss before his involvement. He is currently an investor and board member at a plethora of industry-leading companies such as RAKBANK, HolyWally, and Pulse iD. 

Technological gains are not realized overnight but with the small and steady accumulation of insights and knowledge over decades. Steve explains this dynamic as the cause behind uncertain timelines into the future. Technology may develop for years under the radar without much practical use and then suddenly explode in a matter of a few short years, such as is the case with AI, exemplified by ChatGPT.

With his vast experience advising industry-leading companies such as Intel, AiA, and Veritas Genetics, Steve offers rich insights into how the banking industry can adopt emerging technologies and new understandings of economics to benefit the consumer and investor alike. 

Among many of the key points Steve discussed, a few that truly stood out were:
How accelerating capital velocity could vitalize economiesUsing efficiency to tap into the power of economies of scaleThe philosophical shift of money and banking: From relationships to networksThe Change Officer Podcast's Future of Financial Services Series is brought to you by HolyWally, the world’s first wallet-as-a-service platform. To find out how HolyWally can help you create a mobile wallet to increase your revenue and reduce your time to market, visit their website: https://www.holywally.com

Find Steve online: http://www.stevemonaghan.net

🎬 This episode is produced by Poddster, an end-to-end video podcast production company that helps businesses conceptualize, produce, manage, and grow podcasts for their brand. Click this link to book a free consultation with Poddster's team or rent a studio: poddster.com/book-free-consultation/

📹 Check out Poddster studio based in Dubai Media City: poddster.com/podcast-studio-dubai/

✨ They say that change is the only constant. If this is true, we want to know what is the change ahead. To get the answers, our hosts Ivan Zeljkovic and Vuk Zlatarov are talking to the change-makers themselves. We invite you to join us on the journey of getting the answer ✨

FOLLOW THE CHANGE OFFICER: www.thechangeofficer.com
Instagram - www.instagram.com/thechangeofficer
LinkedIn - https://www.linkedin.com/company/the-change-officer-podcast/
Twitter - twitter.com/changeofficer_
TikTok - www.tiktok.com/@thechangeofficer

HolyWally 👉 https://bit.ly/3h2hkWl

Oliver Rajic led the pioneering technology firm Alpha FinTech in a wave of innovation that saw the company develop an industry-leading super app. 

As the Chief Growth Officer at PPRO now, Oliver shares his insights into how the intersection of Web 3.0 and our financial system may create unique synergies that result in greater productivity across the board. He details how working with cloud services has allowed for incredible economies of scale to provide intricate personalization models that have highlighted customization on the customer end.

Oliver also shares his views on a few ways in which technology may be harnessed to produce solutions to seemingly unsolvable problems, such as: 
The evolution of the B2C fintech space driving growth at unprecedented levelsHow APIs make our incredibly interconnected world workHow Software-as-a-Service will redefine the banking industry
The Change Officer Podcast's Future of Financial Services Series is brought to you by HolyWally, the world’s first wallet-as-a-service platform. To find out how HolyWally can help you create a mobile wallet to increase your revenue and reduce your time to market, visit their website: https://www.holywally.com

Find Oliver online: https://www.linkedin.com/in/oliverrajic/

🎬 This episode is produced by Poddster, an end-to-end video podcast production company that helps businesses conceptualize, produce, manage, and grow podcasts for their brand. Click this link to book a free consultation with Poddster's team or rent a studio: poddster.com/book-free-consultation/

📹 Check out Poddster studio based in Dubai Media City: poddster.com/podcast-studio-dubai/

✨ They say that change is the only constant. If this is true, we want to know what is the change ahead. To get the answers, our hosts Ivan Zeljkovic and Vuk Zlatarov are talking to the change-makers themselves. We invite you to join us on the journey of getting the answer ✨

FOLLOW THE CHANGE OFFICER: www.thechangeofficer.com
Instagram - www.instagram.com/thechangeofficer
LinkedIn - https://www.linkedin.com/company/the-change-officer-podcast/
Twitter - twitter.com/changeofficer_
TikTok - www.tiktok.com/@thechangeofficer

HolyWally 👉 https://bit.ly/3h2hkWl

Dave Wallace is the founder of NMD+, an author, a podcaster in his own right, and the guest of our next episode. He joins us to share his rich experience with integrating digital technologies into emerging markets such as Hong Kong and Australia. 

Dave discusses how some of the essential changes that banks need to make related to speed and service delivery. Many core platforms are unable to match up with customer needs, prompting the question of cloud-based solutions, opening the door to economies of scale. 

Dave's discussion of the many changes in the modern financial system reveals a growing, aching need for more collaboration in banking. He cites real-life examples such as Monzo bank as an example of a neobank that has been able to innovate remarkable change in digitizing banking services. 

Dave also discusses: 
How people build personal relationships with their bankHow personalization represents a huge shift in the banking industryHow rapidly banking has transformed and will transform in the coming years
The Change Officer Podcast's Future of Financial Services Series is brought to you by HolyWally, the world’s first wallet-as-a-service platform. To find out how HolyWally can help you create a mobile wallet to increase your revenue and reduce your time to market, visit their website: https://www.holywally.com

Find Dave online: https://www.linkedin.com/in/davejvwallace/

🎬 This episode is produced by Poddster, an end-to-end video podcast production company that helps businesses conceptualize, produce, manage, and grow podcasts for their brand. Click this link to book a free consultation with Poddster's team or rent a studio: poddster.com/book-free-consultation/

📹 Check out Poddster studio based in Dubai Media City: poddster.com/podcast-studio-dubai/

✨ They say that change is the only constant. If this is true, we want to know what is the change ahead. To get the answers, our hosts Ivan Zeljkovic and Vuk Zlatarov are talking to the change-makers themselves. We invite you to join us on the journey of getting the answer ✨

FOLLOW THE CHANGE OFFICER: www.thechangeofficer.com
Instagram - www.instagram.com/thechangeofficer
LinkedIn - https://www.linkedin.com/company/the-change-officer-podcast/
Twitter - twitter.com/changeofficer_
TikTok - www.tiktok.com/@thechangeofficer

HolyWally 👉 https://bit.ly/3h2hkWl

Omar Halabieh, Head of Technology at Amazon Payment Services joins us as our 10th guest. By now, our panel of guests have managed to sketch an overarching theme of the vast and diverse financial landscape. If financial services are to achieve financial inclusion and answer for the 1.6 billion people unbanked, technology needs to be at the core of the solution.

Omar believes that the biggest problem technology can solve is financial inclusion. Although 1.7 billion people worldwide do not own a bank account, it is estimated that up to 60% of that demographic own a mobile phone. This means that with the right technology and collaboration between fintechs and traditional financial institutions, these individuals could gain access to critical financial services. 

As payment technology continues to evolve, Omar says we will begin to see more practical uses for artificial intelligence and machine learning to aid risk prevention and fraud management. 

In this episode, Omar also discusses: 
How to balance the bar between security and customer experienceHow mobile phone penetration in Africa represents an opportunity for innovative fintechsWhat areas he would focus on as a change-maker; his surprise may shock you!
The Change Officer Podcast's Future of Financial Services Series is brought to you by HolyWally, the world’s first wallet-as-a-service platform. To find out how HolyWally can help you create a mobile wallet to increase your revenue and reduce your time to market, visit their website: https://www.holywally.com

Find Omar online: https://www.linkedin.com/in/omarhalabieh/

🎬 This episode is produced by Poddster, an end-to-end video podcast production company that helps businesses conceptualize, produce, manage, and grow podcasts for their brand. Click this link to book a free consultation with Poddster's team or rent a studio: poddster.com/book-free-consultation/

📹 Check out Poddster studio based in Dubai Media City: poddster.com/podcast-studio-dubai/

✨ They say that change is the only constant. If this is true, we want to know what is the change ahead. To get the answers, our hosts Ivan Zeljkovic and Vuk Zlatarov are talking to the change-makers themselves. We invite you to join us on the journey of getting the answer ✨

FOLLOW THE CHANGE OFFICER: www.thechangeofficer.com
Instagram - www.instagram.com/thechangeofficer
LinkedIn - https://www.linkedin.com/company/the-change-officer-podcast/
Twitter - twitter.com/changeofficer_
TikTok - www.tiktok.com/@thechangeofficer