What will it take for banks to stay relevant as AI changes how people discover, access and interact with financial services?

In this episode of tell.talks, Daniel Cronin, serial fintech founder and co-founder of Integrated Finance, explores why traditional routes to market are losing their power and why the next generation of banking must be machine readable.

Dan shares why tier two and tier three banks are being squeezed by hyperscalers and Banking as a Service providers, why launching an account is not a business model in itself, and how AI could fundamentally change the way customers interact with their money.

From agent-controlled spending to hyper-specialised financial services, Rob speaks with Dan about the infrastructure, distribution and thinking banks need for what comes next.

Does regulation really hold innovation back, or is uncertainty the bigger problem?

In this episode of tell.talks, Lorraine Mouat joins us to unpack the relationship between regulation, risk and growth in financial services.

Drawing on experience from both inside financial services firms and regulatory consultancy, Lorraine shares why businesses can become too focused on second-guessing the regulator, what proportionality really means, and why a perfect-looking risk register isn't necessarily a good one.

We also explore the need for better dialogue between firms and regulators, what good governance looks like in practice, and the new challenges emerging as AI, embedded finance and open banking continue to evolve.

A practical conversation about getting regulation right, without letting it stop businesses moving forward.

For most people, making a payment is simple. But for ultra-high-net-worth individuals, the opposite is often true.

In this episode of tell.talks, Rob speaks with David Hunter, CEO of HY10, about why traditional transaction banking struggles to meet the needs of affluent clients, despite decades of innovation across financial services.

Together they explore:

• Why wealth can actually create more payment friction
• The gap between traditional private banking and modern fintech
• Managing complex, high-value and cross-border payments
• Where automation should end and human judgement should begin
• How relationship-led service is becoming a competitive advantage

An insightful conversation on customer experience, payments innovation and what the wider fintech industry can learn from serving one of its most demanding customer segments.