As the fintech industry matures, more and more women leaders are driving innovation forward. Kike Fashola and Cecelia Lopez are two of them, heading up credit risk decisioning at Nigerian digital bank, Carbon. Join us as we revisit their conversation with Provenir's Adrian Pillay, originally aired in September 2023:
In our first EMEA-focused episode, host Adrian Pillay sits down with digital bank Carbon’s Ceci López (Head of Decisioning) and Kike Fashola (Chief Risk Officer) to take a look at the relationship between risk and reward and the future of fintech in Nigeria.
They dig into topics like using data science to support innovation, how to drive adoption of emerging tech in an emerging market, and some of the implications we may not always think of when we talk about AI in risk management.

What’s in store for Europe, the Middle East, and Africa in 2024?

Frode Berg (Managing Director, EMEA) and Adrian Pillay (VP of Sales for Africa, the Middle East, and Turkey) look into their crystal balls to try to answer that question, sharing insights on important developments from 2023 and how they inform the priorities of 2024 across the region. 

They break down the rising prevalence of AI, how other initiatives like net zero are shaping business strategies, and the outlook on fintech in emerging markets. Tune in to see how their predictions stack up!

James Syron joined the financial services industry after seeing the gaps in traditional credit assessment firsthand. 

As DirectID’s Partner Manager, James is committed to preventing others from making the harmful credit decisions he did in his youth. And that’s why he’s so passionate about open banking and its impact on financial education and inclusion.

He sat down with North America host Kathy Stares to dive into the brave new world of open banking - what it means for consumers, SMEs, and lenders themselves. How has the use of alternative data grown in recent years? Who’s willing to share it? What impact does it have on risk assessment? We’ll answer these questions and more on today’s episode of The Disruptor Sessions.

We’re using 2023 hindsight to predict the biggest trends in financial services for 2024.

For our first episode of Season 2, our Provenir hosts share their insights on the biggest lessons from 2023 and gaze into their crystal balls to forecast what 2024 might look like across the industry. 

Listen in for the unique, on-the-ground perspectives from hosts Kathy Stares for North America, Bharath Vellore for APAC, and José Vargas for LatAm.

From digitization, to credit inclusion, to operationalizing technology - and, yes, AI - our leaders break down the nuances in their regions and the trends you can’t miss.

Divorcing your bank, debunking long-standing myths, advancing emerging tech, and approaching data ethically… What do these topics all have in common? They’re innovative ideas our thought leaders have shared with us in our very first season of The Disruptor Sessions.

We’ve loved having fascinating conversations with our brilliant guests, so for our final episode of 2023, we’re looking back at some of the hot topics we couldn’t stop talking about. Tune in for global insights on financial inclusion, artificial intelligence, alternative data and open banking, and - our bread and butter - innovation across financial services. 

We hope you’ve enjoyed season 1 and we can’t wait to see you again next year for season 2!

Costin Mincovici, tbi Bank’s Chief Credit Officer, is a risk leader that likes to say yes. Yes to mobile-first financial services, yes to digital banking disruption, and yes to multi-country risk strategies that offer the accessible experiences that can make or break a provider.

He shares his insights with our EMEA host and Provenir’s regional leader, Frode Berg. They explore everything from the ethical implications of data usage, to market approaches that protect the interests of both the customer and bank, to the “aha” moments Costin hopes to see more of across fintech. 

Today’s TDS Mini tackles a question that may sound philosophical, but pulls together an answer built from data, technology, and good old industry knowledge.

In this mini episode, our North America host and Executive Vice President of Americas, Kathy Stares, finds herself in the hot seat. She shares insights on the transformative power of alternative data, the tech that enables it, and what we really mean when we talk about intelligent financial services.
To watch the full webinar, go to https://www.provenir.com/resources/webinars/redefining-intelligent-financial-services/

Fair and accurate: these are the hallmarks every lender strives for when making risk decisions. But the truth is, humans can’t always achieve that goal on our own. That’s why the use of AI and alternative data has been such an exciting development for credit providers - they can help improve financial inclusion and power credit decisions that have the potential to change lives. 

In this TDS Mini, join Finovate’s David Penn and Provenir’s Carol Hamilton for an overview on the impact of these tools and best practices for using them.