Dharmesh has 30 years experience in launching ground breaking and innovative solutions for banks such as the first roll out of windows apps across a branch network (1990), vision of single customer view (1992), concept of franchising banks (Banking as a service) - 1996. Worlds first online insurance site (1997), world first multi-device banking (1998), worlds first secure multi-channel voting system. He then went on to found one of the first low/no code platforms for banking which he sold to Temenos in 2012 where he went on to be their first Chief Digital Officer.
How did you get to become an expert in your key topics?
30 years experience in developing and delivering ground breaking and innovative solutions in banking/technology. Have been a writer for Computer Weekly and other tech journals and now Fintech Futures. Extensive network in banking / technology having held senior positions at Lloyds, NatWest and then co-founded and sold two startups.
What sub-topics are you most passionate about?
Banking technology, Open Banking, Digital Banking, Personal Finance, Property, Home Ownership, Web 3, crypto
Who influences you on these topics?
Financial services and property companies I work/worked with. Fin-fluencers like Chris Skinner, Brett King and Prop-fluencers like Del Prete, Andrew Stanton.
Analysts like Gartner, Forrestor and consultancies like Bain, McKinseys and Accenture.
Key industry veterans like Andy Maguire (ThoughtMachine) and Anthony Jenkins (10x) that I know personally.
What challenges are brands facing in this space?
Customer adoption / retention. Pace of change. Breadth of new technology affecting change. Staff retention (war for talent) Impending recession
What do you think the future holds in this space?
A change in banking that is similar to Telco’s, a bigger split between manufacturing / distribution. Greater innovation in financial products, many driven by Web3. However a recession will slow down the pace of change which has been relentless. Open data will drive greater innovation creating more cross industry solutions.
What brands are leading the way in this space?
Revolut, Coinbase, Paypal, Stripe, to name a few.
If a brand wanted to work with you, which activities would you be most interested in collaborating on?
Podcasts, webinars, whitepaper, speaking opportunities, product innovation, video interviews, visioning and strategy workshops.
What are your passions outside of work?
Ultra-marathon running (completed Marathon Des Sables, several 100m mile races) Paddleboard/kayaking, cycling. Football – avid Liverpool FC fan.
Reading (mainly non-fiction on tech futures and business books)
Food – both eating out and cooking (indian, thai, mexican, chinese, italian, sri-lankan…)
Travelling – been to >50 countries.
NED / Advisor for 2 crypto companies, 2 proptechs and a few fintechs DIY / Gardening (Ambassador for Ryobi)
What would be the best way for a brand to contact you?
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