Join us for another edition of Everything is Fintech, where host Oliver Smith sits down with Megan Caywood, CEO and founder of Caywood and former Chief Product Officer at Barclays, to explore the transformative power of agentic AI in financial services.

Key Discussion Points

The Evolution of Digital Banking Megan shares her journey from Starling Bank—one of the UK's first true digital challenger banks—to leading digital transformation at Barclays. She reflects on how far the industry has come from the friction-filled banking experiences of the mid-2010s, when opening an account required paper forms and logging into mobile apps involved multiple security codes.

The Agentic AI Revolution The conversation centers on what Megan calls "agentic transformation"—the shift from AI that simply predicts to AI that acts, executes, and learns autonomously within regulated frameworks. She envisions a future where consumers have a "CFO in their pocket" that doesn't just provide insights but actively manages finances on their behalf.

B2B Applications in Banking Megan details Caywood's current focus on bringing agentic AI to banks' internal operations, particularly in areas like daily liquidity management and compliance reporting. She explains how these systems can create transparent audit logs that satisfy both internal needs and regulatory requirements.

Challenges and Opportunities The discussion explores critical questions about the future of banking: Will banks develop their own agents, or will consumers use independent agents that disintermediate the bank-customer relationship? What are the roadblocks to adoption, from risk aversion to legacy systems? And is the agentic AI hype sustainable?

The Human-AI Partnership Megan emphasizes that agentic AI's success depends on organizations embracing an "interintelligence partnership" that empowers AI to act autonomously while focusing human creativity on higher-order work.

Caywood: https://caywood.ai/

Follow Megan: https://www.linkedin.com/in/megcaywood/

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Nathan Marion, Head of B2B at Nubank, joins us to explore the innovative world of NuPay and how it's transforming the payment landscape in Brazil.

He shares fascinating insights into how Nubank—one of the world's largest digital banks serving over 100 million customers—is expanding beyond consumer banking into the B2B space with NuPay, their revolutionary payment solution.

Key Takeaways:

• NuPay offers transaction-specific credit up to 36 installments (vs. standard 12), enabling purchases that would otherwise be declined
• Seamless integration as a checkout button that requires no customer onboarding—if you're a Nubank user, you can pay instantly
• Reduced fraud and costs for merchants through closed-loop processing, leading to higher conversion rates and lower chargebacks
• PIX's revolutionary impact on Brazil's payment ecosystem and why the country has become a global fintech innovation leader
• Nubank's impressive scale: serving 60% of Brazil's adult population and expanding into Mexico, Colombia, and potentially the US

Nathan also discusses real-world applications like Uber partnerships, the future of Latin American fintech, and how Brazil's regulatory environment is driving world-class financial solutions.

NuBank: https://international.nubank.com.br/about/

Follow Nathan: https://www.linkedin.com/in/nathanlmarion/

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In this episode of Everything is Fintech, hear from two of Africa’s most inspiring fintech leaders— Olugbenga "GB" Agboola, the CEO and co-founder of Flutterwave, and Benjamin Fernandes, the founder and CEO of Nala Money. They share their raw, unfiltered stories about what it really takes to build game-changing companies in Africa’s complex financial landscape.

From navigating impossible visa challenges to figuring out how to make payments work across 54 countries, this conversation is packed with insights, laughs, and moments that will make you stop and think. GB and Nala’s founder talk about the hustle, the heartbreak, and the hope that drives them to keep pushing forward.

You’ll hear about the “Flutterwave Mafia” (yes, it’s a thing), the untapped potential of Africa’s booming population, and why building fintech in Africa is both the hardest and most rewarding thing they’ve ever done.

Episode Highlights:

• GB’s journey from PayPal engineer to building Flutterwave in 2016.
• How Nala Money pivoted to cross-border payments and the grind of building local infrastructure.
• The crazy regulatory maze of operating across Africa’s 54 countries.
• Why Africa’s growing population is the biggest opportunity for fintech.
• The inspiring ripple effect of Flutterwave alumni starting their own companies.

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