Latest opinions that Leon Gauhman has shared on Finextra

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Leon Gauhman

Founder and CPO/CSO

Elsewhen

Member since

17 Mar 2020

Location

London

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Leon's opinions

Smart Apple: Why Big Tech’s latest gambit on savings is a pivotal moment for embedded finance

If the traditional banking industry was waiting for a sign that Big Tech’s threat looms larger than ever, Apple’s launch of a game-changing savings account via Goldman Sachs may be it. With 4.15% annual percentage yield, no fees and zero demand for a minimum deposit or balance, the new Apple Card savings account – which users can set up from th

01 June 2023 /payments /retail Embedded Finance

Three customer centric leadership lessons for pioneering financial services brands

Outgoing Salesforce President and former BT CEO Gavin Patterson’s call to UK boards to “get digitally literate” underlines a growing concern about the gap in digital skills and leadership at the top of UK companies. The issue is particularly acute in financial services, with a recent study revealing that 81% of FS decision-makers believe their c...

07 December 2022 /retail Digital Bank Transformation

Farewell Barclays, Chase, HSBC: Why banks in the future won't be brands

By Leon Gauhman CSO/CPO of digital product consultancy Elsewhen and Alessandro Hatami, managing partner of Pacemakers. The world’s biggest banks came out of 2021 in robust shape. A slew of positive trading updates led to a rebound in share prices and the return of bonuses and dividends. Any damage done by Covid was reversed as the industry’s gia...

03 February 2022 /retail /predictions Banking Strategy, Digital and Transformation

Is DeFi the silver bullet to help struggling SMEs secure easier access to finance?

2021 has been a remarkable year for the entrepreneurs pioneering the growth of Decentralised Finance (DeFi). While traditional banks have exhibited the same kind of suspicion that they direct at cryptocurrency, DeFi-powered platforms like Maker, Compound and Aave have grown rapidly as investors pile onboard. DeFi is often cited as a means of ext

14 September 2021 /crypto /predictions DeFi

Can Pennyworth deliver the next-gen banking dream? Only by upping its game

In an open letter to the founders of Pennyworth, Leon Gauhman, chief strategy officer at Elsewhen, explains why superb customer experience, best in class product innovation and disruptive fintech instincts will be critical if the new challenger bank is to succeed. Dear Jeremy Takle and Ben Harvey, Congratulations, you’ve recently taken a giant

01 December 2020 /retail /startups Banking Strategy, Digital and Transformation

Regulatory easing is unleashing crypto's potential: banks have the opportunity to get on board fast

Cryptocurrencies such as Bitcoin and Ethereum are increasingly viewed as a tantalising proposition by investors, especially in this era of COVID-19 inspired low interest rates. However, incumbent banks have so far been reluctant to engage with the fast-growing crypto market because of the sector’s less reputable elements: with their wild fluctuat...

09 September 2020 /regulation /crypto

Four reasons why traditional banks can’t afford to dither over Crypto banking

Banks and financial institutions were shockingly slow to respond to the rise of fintech - now they are in danger of making the same mistake with the rapidly emerging crypto banking sector. While legacy players sit on the sidelines, the likes of SEBA and Wirex are racing to develop banking products and services that support the cryptocurrency ecosy...

23 July 2020 /crypto /covid-19 Cryptocurrency Insights

4 Digital Transformation Lessons that Banks Need to Learn from Covid-19

When COVID-19 is finally brought under control, several key sectors will be remembered for the way they stepped up and took responsibility during the crisis. Healthcare is the most obvious, but supermarkets, corner shops, logistics companies and postal delivery networks have also played a critical role in preventing the country sliding into meltdo...

20 May 2020 /covid-19 Fintech

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