FUMO: Future of Money Podcast

Pioneering the New Era in Banking | (with Rishi Khosla, Co-Founder of OakNorth) | Fintech

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What does it take to setup a new challenger bank in UK from scratch?

In this episode, we speak with the Co-Founder of OakNorth Rishi Khosla, and gain insights about his experience of building one of the biggest challenger banks in the UK OakNorth, and discussed product versus tech mindset! 🚀

Join us for an insightful conversation on the state and future of banking with Rishi Khosla!

00:54 Pivoting into the entrepreneurship
06:06 Founding story of Copal Amba & Oaknorth
25:32 Notable deals and investments of OakNorth
30:59 The success stories & EXIT
37:50 Product vs tech mindset
40:21 Credit intelligence 101
45:00 The future of banking
49:20 To be an entrepreneur or not to be

Episode Guest

Rishi Khosla

Co-Founder of OakNorth

Rishi Khosla OBE is the CEO and Co-founder of OakNorth, the leading fintech business focused on powering the commercial economy of the future. He started his first business, Copal Partners, a financial research company, in 2002 with just $60k. Over 12 years, he and his Co-founder, Joel Perlman, scaled it to a 3,000-employee organization across 13 markets, before selling it to Moody’s Corporation (NYSE: MCO) in 2014. They then set out to build their second business – OakNorth – which since its launch in September 2015, has grown into a fintech success story, deploying its credit intelligence software to leading banks around the world, including: Capital One, PNC, Fifth Third, and SMBC, as well as its own bank in the UK (OakNorth Bank). Rishi is an early-stage investor in a number of leading technology companies, including PayPal. In 2019, he was awarded an OBE (Order of the British Empire) from her Majesty The Queen for services to business.

Podcast hosts

Ronit Ghose

Global Head, Future of Finance at Citi

Ronit Ghose is the Global Head, Future of Finance, Citi’s think tank for the future of money and technology. Ronit’s current areas of focus include Digital Assets, the Metaverse, Web3, the applications of AI to Finance and other frontier topics. Previously, Ronit was Global Head of Banks and Fintech Research for Citi.

Ronit is an Advisor to various Governments, Universities, VC investors and tech firms in the UK, UAE and Africa. Prior to joining Citi, he worked at the British Bankers’ Association and was a research assistant in the UK Parliament for a former Prime Minister. He has an undergraduate degree from the University of Oxford & a postgraduate diploma from the University of London.

Gaurav Dhar

Group CEO of Marshal Fintech Partners

Gaurav is a seasoned leader in the FinTech industry and currently serves as the Group CEO of Marshal Fintech Partners in Dubai. He is also a board member of Deem Bank, The Mena Fintech Association and TiE Dubai.

With over 19 years of experience at Marshal, he has established himself as a pioneering force in the development of FinTech ecosystems and solutions. 

By devoting his personal time to working with innovators, he has built an extensive network of relationships with VCs, incubators, accelerators, start-ups, and angel syndicates, both locally and globally.

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