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Breaking Banks
Hosted By Brett King, Jason Henrichs, & JP Nicols
The #1 global fintech radio show and podcast. Every week we explore the personalities, startups, innovators, and industry players driving disruption in financial services; from Incumbents to unicorns, and from the latest cutting edge technology to the people who are using it to help to create a more innovative, inclusive and healthy financial future.

https://provoke.fm/show/breaking-banks/

https://rishadtobaccowala.com/bio
Rishad Tobaccowala is an author, speaker, teacher, and advisor with four decades of experience specializing in helping people, organizations and teams re-invent themselves to remain relevant in changing times.

https://rishad.substack.com
02:45 – Rishad Tobaccowala newsletter
will be bohemian and eclectic in that it will mix art and science, it will have a certain wanderlust and will roam into different areas and will have no fixed format or schedule

03:20 – The Third Connected Age.
https://rishad.substack.com/p/connectedness?s=r
The Third Connected Age. In 1993 with the advent of the World Wide Web we entered The First Connected Age where we connected to discover and connected to transact. This is today known as Search and E-Commerce which are forces that have given rise to companies like Amazona and Google. In 2007 we entered The Second Connected Age (which builds on and does not replace The First Connected Age) when we were connected all the time and connected to everybody due to smart phones and social networks. These two advances which we call Social, and Mobile have re-ordered society, politics and culture while creating juggernauts like Apple and Facebook but also enabling everything from Uber to Airbnb to Dollar Shave Club.four new connections that will drive The Third Connected Age. Data connected to data which is machine learning the form of AI that is most scaled. Much faster and resilient forms of connection called 5G.New ways of connecting including Voice, Augmented Reality and Virtual Reality. New Trust Connection built on the Blockchain.

09:35 – Marketing is more about experience
Marketing has become much more about experiences and much more about purpose and values then it’s about saying something about the brand and to me if you spend money designing a better product if you spend money on better customer service and stronger employees you actually have a stronger brand.

10:30 – we choose with our hearts and we use numbers to justify what we just did

13:40 – the journey has changed

24:03 -only the schizophrenic will thrive
what i mean by that is you need to have two teams in a company, two real teams everybody knows about them one very much focused on today and one very much focused on tomorrow reporting into the same board and the same leadership but with the following differences a they are allowed to run slightly different cultures, incentive programs and have different goals and different tech.

29:35 – To win make sure you have world class talent

34:45 – Ten Forecasts for the Next Decade. Looking Back
https://rishad.substack.com/p/ten-forecasts-for-the-next-decade?s=r

36:00 – I believe it’s connecting dots in new ways that shows you the future

36:23 – Trends that are unstoppable
multipolar globalization
Demographics the world is getting older and the population is starting to shrink (except africa)
The long term impact of Covid will change life forever,
the future of work has changed eg Fractionalized Employee.
https://rishad.substack.com/p/the-fractionalized-employee?s=r
Today most companies combine three types of work forces. 1) A full-time employee, 2) A full time or part time contracted employee from another firm (e.g., Wipro or Cap Gemini) 3) Free-lancers (directly or via an intermediate firm) Full-time employees are usually the backbone of any company and its culture with contracted and free-lancers being mixed in to expand expertise and manage oscillating workloads in a cost-effective manner. We may now want to think of a fourth type of worker to reflect the forces of technology, shifting demographics and new mindsets: The Fractionalized Employee.