In the third episode of this special series on Fintech with the Gillmore Centre for Financial Technology we look at decentralised finance, or DeFi. It offers financial instruments without relying on traditional intermediaries such as brokerages, exchanges, or banks by using smart contracts on a blockchain. It could be revolutionary and take out a lot of costs that banks like to add, plus anybody can become a ‘bank’ and start lending money or cryptos, getting better rates than on the high street. But there are concerns around regulation and fraud and more; hurdles that seem pretty high to get a public weaned on the safety of high street banking to move to DeFi. This episode explores how DeFi goes from niche to high street with host Natasha de Teran being joined by Kalina Staykova, of the Gillmore Centre for Financial Technology at Warwick Business School, and Erica Stanford, Founder & CEO of Crypto Curry Club, and author of Crypto Wars: Faked Deaths, Missing Billions and Industry Disruption. Find out more about the Gillmore Centre for Financial Technology. Join the Gillmore Centre for Financial Technology's mailing list for access to free events where industry leaders, world-leading academics and policymakers will discuss topical issues and fintech innovations. Read more on the subject: What does DeFi need to go mainstream? How are interest rates set on DeFi platforms? How decentralised should DeFi platforms be?    For more articles on Fintech and Finance and Markets straight to your inbox sign up to Core Insights.