This episode covers macro trends driving financial innovation, the role of the tech companies and how they are taking on the banks with their data supremacy and technical depth, and what we as consumers might expect to see in terms of new products and services in 2025. It features a discussion with two titans of the financial world. Bob Wigley, Chair of UK Finance is someone who brings a lifetime of experience and wisdom from his various leadership positions at global investment banks over the past 30 years. Bob helps us decode what is being discussed behind the closed doors in the world’s financial capitals and sets out where he believes innovation will most immediately be evident to us as consumers. And, Oxford’s Professor Pinar Ozcan brings her sharp mind and factual insights to help explain the strategies being pursued by the tech companies and how they are innovating to integrate the many different financial functions in ways that simplify, streamline, improve efficiency and reduce transaction costs.