Episode Four: The Evolution of Commercial Lending with Reda Aouami from FIS

Episode Six: Faster, Cheaper, Safer: The New Cross-Border Payment Playbook

Real-time rails, QR interoperability, stablecoins, and verification APIs are reshaping cross-border payments — but fraud, fragmentation, and failed transactions still cost billions. Hiro Kiga from Antler and Damien Dugauquier from iPiD unpack where the industry is winning, where it’s still broken, and what it will take to make cross-border as seamless as domestic.

Episode Five: From Alpha Dreams to Ops Nightmares with Jon Hodges

Hedge funds spend millions chasing alpha — yet lose $11M a year to outdated, unintegrated operations. In our latest episode, Jon Hodges [https://www.linkedin.com/in/jon-hodges-00933810/] (SVP & Head of Trading & Asset Services, APAC @ FIS [https://www.linkedin.com/company/fis/]) breaks down why Ops alpha might matter more than strategy alpha and how firms can turn risk, regulation, and rework into their next competitive edge.💡 From fat-finger errors costing millions to the $98M “hidden cost stack” draining performance, this one hits close to home.

Episode Four: The Evolution of Commercial Lending with Reda Aouami from FIS

Banks are bleeding deposits to FinTechs and facing increasing competition from fast-growing alternative lenders. In our next Episode of Rate of Flow [https://www.linkedin.com/company/rate-of-flow/] we talk to Reda Aouami [https://www.linkedin.com/in/reda-aouami/] from FIS [https://www.linkedin.com/company/fis/] about the Evolution of Commercial Lending. We cover why commercial lending is undergoing a transformation point, the challenges faced by banks with legacy systems, and how AI and real-time technology can help change the game. He’ll also discuss the untapped potential of embedded finance, with many organizations still early in the adoption curve.

Episode Three: Democratizing wealth with Ceasar Sengupta, Co-founder and CEO, Arta Finance

Asia-Pacific households are on the brink of transferring US$6 trillion to the next generation—a shift that will redefine wealth management. Yet access to the tools that truly compound capital has long been reserved for the ultra-wealthy. In this episode of Rate of Flow, Zennon Kapron speaks with Ceasar Sengupta, former Google Pay architect and now CEO of Arta Finance, about how AI is breaking those barriers. From curated access to private markets and tax-smart strategies to AI-driven personalization at scale, Ceasar shares how Arta is reimagining the “family office” model for millions of professionals. Can technology democratize wealth without diluting trust? And what does a digital-first private bank of 2030 really look like? Tune in to find out.

Episode Two: AI on the trading Floor, From Treasury GPT to Smart Liquidity

Capital markets love a good algorithm but most firms still cite cost (73%) and expertise (64%) as major roadblocks to deeper AI adoption. In this episode of Rate of Flow, Francois Denimal joins host Zennon Kapron to decode what’s real and what’s still hype. From smart liquidity engines to natural-language treasury tools, we’re unpacking the future of intelligent trading. #RateOfFlow #FintechPodcast #AIinFinance #CapitalMarkets #SmartLiquidity #TreasuryGPT