S5 E12 Fintech Files - Series Finale

After five seasons and more than 50 episodes, Nora Hocke and Annika Melchert reflect on how fintech has evolved, what they learned, and where financial services may be headed next.

https://www.youtube-nocookie.com/embed/YKvWFtPPtrI

Podcast

May 20, 2026

How much can fintech change in just five years?

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In this final episode of Fintech Files, hosts Nora Hocke and Annika Melchert look back on the journey that began in 2020, spanning early neobank builds, the digital banking boom, and today’s AI-powered financial landscape.

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With microphones shipped across the world and conversations featuring leaders from Solaris, Mambu, Microsoft, ABN AMRO, and BCG experts, they revisit the moments, lessons, and people that shaped the show, as well as their own careers in tech consulting.

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A reflective close to five seasons of Fintech Files, this episode explores where financial services has been, where it may go next, and why great fintech still starts with clear customer value. Listen here.

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https://www.youtube-nocookie.com/embed/QAg48XnoIX8

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Featured

Phil Gerrard

Manager Director

London, United Kingdom

Tom is an Engineering Lead based in the London office. He has vast experience delivering products and services with a human centered approach – including artificial intelligence solutions at scale and new startup ventures across a wide range of industries. Covering topics ranging from privacy enhancing AI to digital consortium design, he brings expertise in open innovation’s evolving role in solving high impact issues such as climate action, healthcare and online privacy.

Annika Melchert

Riyadh

Saudi Arabia

Annika Melchert is a Principal in the Riyadh Office and the podcast co-host of Fintech Files Podcast.

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As an expert in modern banking, she guides fintechs and incumbent banks on their technology build, integration strategies, and digital transformations.

Nora Hocke

Sydney

Australia

Nora is a member of the BCG Platinion Agile chapter and the Neobank and FinTech initiative and Co-Host of the Fintech Files Podcast.

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Nora is an expert in IT strategy and agile ways of working. By combining her expertise in banking and emerging technologies, she has delivered IT strategies, next-gen target architectures, and agile operating models for fintech and incumbent banks across the globe.

Bianca Lopes

Originally from Brazil and currently based in Denmark, Bianca is an entrepreneur and economist with a remarkable background in digital identity and biometrics.

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Throughout her career, Bianca has supported over 40 financial institutions and 8 governments, reshaping their approach to technology, reimagining identity, and driving innovation agendas.