Fintech & Web3 Founders Podcasts Series

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!

Highlights
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.

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Podcast hosts

Ronit Ghose

Ronit Ghose is the lead author of Citi’s GPS Bank of the Future and FinTech report series – the first edition has had more than 250,000 downloads making it the most read report ever published by Citi, and one of the most read FinTech reports ever published. Since joining Citi in 1997, Ronit has covered banks in the Americas, Asia and EMEA. He is the Global Head of Future of Finance in Citi Research. He is also an Advisory Board Member at the Centre for Finance, Technology, and Entrepreneurship. Ronit previously worked at the British Bankers’ Association and as a research assistant in Parliament. He has an undergraduate degree from the University of Oxford, a postgraduate diploma from the University of London and is a CFA charter holder.

Gaurav Dhar

Gaurav Dhar is the CEO of the Payments Solution Provider Marshal in Dubai. Gaurav has been working at Marshal for over 19 years now He strives to continually be on the frontier of building FinTech ecosystems and solutions. His personal time is spent on working with and investing directly in innovators, with a view to the future of Fintech both locally and globally via his cache of relationships which include VCs, incubators, accelerators, and start-ups and Angel Syndicates. In his position as a board member of the MENA FinTech Association and several advisory positions to international family offices, start-ups, and funds, he looks to grow the relationships within the FinTech and start-up ecosystem to contribute towards the education of budding disruptors and eventually the growth of economies and the job market where possible in the MEA Region and abroad.

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