1. How can Fintechs help SMEs through times of uncertainty?


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The Future of Banking Podcast is sponsored by:

Podcast Host

Kimberley Waldron

An award-winning marketer and entrepreneur, with 10 years + experience in the technology, retail, mobile and banking sectors. Kimberley’s career began in Manchester in independent music promotion, radio and online journalism.

In 2009, Kimberley Co-Founded international communications agency SkyParlour at 26 years of age. Ten years on, from its base in central Manchester, the business has amassed Fintech clients around the world from Palo Alto, to Munich, to Jakarta and back again to Cheadle.

Kimberley is co-chair of the Pro Manchester Fintech committee and industry advisor to the University of Salford Fintech MSc programme. She is also an active member of the Founders for Schools initiative and a mentor on the Tech Manchester mentoring programme.

Head of International Payment at Form3

Fabrizio Zanollo

Fabrizio Zanollo currently serves as Director of Customer Success and Global Head of International Payments Services at Form3. Prior to that, Fabrizio was Director of Strategic Partnerships at TransferMate Global Payments. In his earlier career, Fabrizio worked for Intuit as Head of Strategic Partnerships for EMEA and played a key role across product lines including Quicken, Quickbook, and TurboTax.

CEO & Co Founder of Elementaryb

Karen Rudich

Karen Rudich, CEO ELEMENTARYb – Karen has 20 years' experience in the banking sector and is known for Identifying opportunities to make more money, denoting the 10,000+ things that need to happen in order to deliver that ambition and landing the teams and structures to see a bottom-line P&L impact. She has led large-scale transformation programmes at UBS, BNP Paribas, Barclays and Lloyds. Most recently she was Founder/CEO of a tech challenger firm focusing on speedy P&L-driving transformations and technology integration for top tier banks and cutting-edge FinTech firms via their proprietary microservices platform which she sold in 2019.

CCO at Counting Up

Andrew Garvey

Andrew is Chief Commercial Officer at Countingup.com; a venture capital backed FinTech startup that's transforming banking and accounting for thousands of small businesses.


Ray Brash

Ray is a co-founder of PPS ( formerly PrePay Solutions ) joining in 2004, after holding senior roles within retail, entertainment and information services businesses for more than 20 years. Since taking on the role of CEO in June 2012, Ray has overseen a period of 10X sustained growth driven by market leading positions in Fintech , Retail , Employee Benefits and Corporate Payments to the point where in 2019 PPS Served over 200 client programmes across 30 + countries worldwide and processed in excess of 2 billion transactions worth the total value of $36 billion, to become Europes Leading Issuer Processor