Disruption Talks by Netguru

How can you mitigate the risks of working with external talent?
Dos and absolute don't and lessons from larger and smaller staff augmentation projects

Speakers:

– Paulo Gomes, Senior Software Engineering Manager at Nubank
– Paschal Amah, Chief Technology Officer at Wowzi

Host: Maria Achinger, Content & Brand Team Leader at Netguru

This session was a part of Disruption Forum Engineering Horizons.

What can engineering leaders do to boost team morale?
Proven ways to get engineers more engaged and focused

Speakers: Jorge Martins, Senior Director of Engineering at Lokalise

Host: Mateusz Krawczyński, Consulting Director at Netguru

This session was a part of Disruption Forum Engineering Horizons.

How to be ready for AI adoption Strategies for data quality and overcoming data challenges

Speakers:
– Dr Henri Winand, CEO and co-founder at Akinova
– Chris "Jay" Hawkinson, Senior Director Data and Analytics at Lamb Weston | Forbes Technology Council Member

Host: Krystian Bergmann, AI Consulting Lead at Netguru

This session was a part of Disruption Forum Engineering Horizons.

How to validate ideas faster?
How to get an MVP right – best practices.
Proven strategies for faster MVP development 

Speakers:
– Todd Yates, Chief Technology Officer at Transact
– Erika Rice Scherpelz, Head of Engineering at Sourcegraph
– Mahmoud Galal, Software Engineering Manager at Kitopi

Host: Dominika Szelkenbach, Consulting Practice Lead at Netguru

This session was a part of Disruption Forum Engineering Horizons.

Learn how to integrate AI into your team’s work to boost creativity, efficiency, and product personalization.

Speaker: Sören Purz, Design Director at Sinch
Host: Bartlomiej Rokowski, Senior Product Designer and Team Leader at Netguru

This session was a part of Disruption Forum Design Horizons.

Explore new work methods including AI generated research.

Speakers:
– Carlos F. Wydler, Head of Design at iwoca
– Joe Cahill, Experience Design Manager at Unqork

Host: Agata Rączewska, Innovation Consultant & Client Partner at Netguru

This session was a part of Disruption Forum Design Horizons.

Speaker: Honey Mittal, Co-Founder, CEO & CPO at Locofy.ai

Host: Krystian Bergmann, AI Consulting Lead at Netguru

This session was a part of Disruption Forum Design Horizons.

Fostering leadership skills within design teams and the crucial role of strategic thinking.

Speakers:
– Francisca Muñoz Chamy, Product Design at Talabat | Delivery Hero
– Aristotle Anthony Raj, Lead Product Designer at Cognizant
– Avi Ashkenazi, Head of Design at Shopify

Host: Mateusz Jankowski, Design Manager at Netguru

This session is a part of Disruption Forum Design Horizons.

Understanding ethical considerations in design, including the impact of digital products on mental health and societal well-being.

Speakers:
– Mattias Wikman, Head of Design at Ethic 
– Kieran Weston, Head of Design at Visa

Host: Bartosz Białek, Head of Design at Netguru

This session was a part of Disruption Forum Design Horizons.

Speaker: Terry Behan, Design, Education & Digital Transformation at Nedbank
Host: Radek Zaleski, Senior Partner at Netguru

This panel was a part of Disruption Forum Design Horizons.

If you’re a real estate professional or a tech innovator, we’re sure you’ll want to check out this Disruption Talks episode!

In "The Future of Real Estate: AI, Tech, and Innovation" Jakub Wajda, Commercial Director at Netguru discussed with Mariusz Przybylik, CTO CEE at Colliers on topics like:

 – How AI and tech are reshaping the commercial real estate landscape
– Colliers’ key initiatives to enhance tenant experience and facility management
– The biggest innovation opportunities and how proptech is driving change.

With Mariusz driving Colliers' tech innovation in the CEE region, and Jakub expertly leading the conversation, you'll gain insider knowledge on the technologies that are transforming commercial real estate today.

"AI is a critically important technology that cannot be ignored, unlike some previous trends like Web3 or blockchain." – Charlene Li

Disruption Talks wouldn’t be complete without a disruptive leadership expert like Charlene Li, and we’re thrilled to have her joined us in this episode!

For over three decades, Charlene Li has empowered leaders to view disruption as an opportunity for growth rather than a threat. As the bestselling author of The Disruption Mindset and a trusted advisor to top global executives, Charlene’s insights go beyond theory. She equips leaders with the strategies they need to not just survive disruption but harness it for lasting transformation.

In this exclusive session, Charlene broke down:
– Why AI isn’t just another tech trend—it's a business-critical force.
– How to shift your leadership mindset to focus on outcomes, not just adopting the latest tools.
– The "AI competitive flywheel"—how AI drives productivity, innovation, and customer experience.
– Building trust in AI, using the groundbreaking "AI Trust Pyramid" framework.

Host: Radek Zaleski, Senior Partner at Netguru

Femtech is finally reshaping the healthcare industry by giving women unprecedented access to personalized health solutions.

At the forefront of this revolution is Flo, a platform that helps women manage their health through cutting-edge technology and impact-driven innovation.

Listen to the latest episode of Disruption Talks as we sat down with Alison Paul, Senior Product Manager at Flo Health, who leads two product teams dedicated to the Flo Health Assistant (chatbot).

With a background in health marketing and product leadership roles at Bupa and Cancer Research UK, Alison brings invaluable insights on the intersection of health, innovation, and technology.

What we touched upon?
– How Flo is driving innovation in women’s health through an impact-driven, digital-first model
– The challenges and opportunities of engaging key stakeholders in the health and medical space, including data privacy and AI integration
– What the future of health tech looks like, from wearables to AI-driven symptom prediction

Discover how Flo is transforming women's health and what lies ahead for femtech!

Speakers:

– Helene Labaume, Innovation & VC Funds Group Director at Carrefour
– Nikita Gordeev, Chief Technology Officer at Snoonu

Host: Krystian Bergmann, AI Consulting Lead at Netguru

This session was a part of Disruption Forum Future of Retail.

Speaker: Krystian Bergmann, AI Consulting Lead at Netguru

This session was a part of Disruption Forum Future of Retail.

Speakers:

– Nerijus Lasauskas, Director of Engineering at Vinted
– Vipul Gajbhiye, Director Quick Commerce at talabat

Host: Barbara Rybicka, Consulting Director | Retail at Netguru

This session was a part of Disruption Forum Future of Retail.

Speakers:
– Felix Lutter, Head of Retail Innovation at Just Eat Takeaway.com
– Ayman Kaheel, Ph.D., Chief Technology Officer at Breadfast

Host: Tomasz Grynkiewicz, Head of Growth at Netguru

This session was a part of Disruption Forum Future of Retail.

Speakers: 
– Catalina Salazar, Global Head of Advertising at Wolt
– Paul Ladevèze, VP of Product Design & User Research at Vestiaire Collective

Host: Agata Rączewska, Innovation Consultant & Client Partner at Netguru


This session was a part of Disruption Forum: Future of Retail.

Are you interested in digital health? Corporate innovation? Or even the future of healthcare?

If you answered yes to any of those questions, this episode is for you. We sat down with Dan, Head of Innovation & New Commercial Partnerships at Sandoz Innovation Lab in Germany, to discuss how Sandoz is pioneering new approaches in patient care through digital health solutions and innovative partnerships.

Dan’s journey from molecular biotechnology to leading cutting-edge digital initiatives will show you how traditional pharmaceutical companies are embracing technology to push boundaries and improve healthcare.

What we have discussed?
– How Sandoz, a generic pharmaceutical company, drives innovation beyond products. 
– How they launched the first-ever biosimilar and how they continue to lead with 10 marketed molecules and 24 in development.
– The current status, ePrescriptions, and the future potential of electronic patient records.
– How curiosity, purpose, and collaboration foster "outside-the-box" ideas within the Sandoz Innovation Lab.
– The partnership with Careanimation and its impact on improving health literacy and medication compliance with Apoclip.
– Why market adoption can be slow and how smart risk-taking can accelerate the process.

Product Managers, Tech Leaders, and e-commerce Innovators—do you know how the quick commerce game works?

Ever wondered what it takes to lead in that race?

Hear from Matthew Neff, Chief Product Officer at Snoonu during this session of Disruption Talks. The episode was hosted by our one and only Barbara Rybicka, Consulting Director at Netguru.

Questions we answered:
– Can you really deliver anything in 30 minutes? The secrets behind hyperlocality
– Is AI your secret weapon or just hype? Revolutionizing customer engagement and efficiency
– What’s next after groceries? The surprising new categories in quick commerce
– Can going green boost your bottom line? The power of sustainability in delivery
– Are your payment options holding you back? How localized solutions can unlock growth

If you’re driving innovation in product management or e-commerce, this is an episode you can’t miss.

Are you concerned about the risks posed by AI in your like of work?
Do you know how to make the most of AI for better risk management?

Listen to this Disruption Talk with a special guest, Ido Lustig, ex–Chief Risk Officer at checkout.com.

Ido has an impressive track record:
- He launched a fraud detection tool that exceeded all targets.
- He established a comprehensive Enterprise Risk Management framework.
- He reduced buyer fraud by 20% through innovative risk analytics.

On this episode together with Radek Zaleski, Senior Partner at Netguru talked about:
- AI vs Risk Spotting: How AI is revolutionizing risk detection
- Digital Channels & Increased Fraud: Tackling new fraud challenges
- Replacing Jobs? The impact of AI on employment
- Who Watches the Watchmen? Ensuring AI accountability

How do Engineering Leaders at Spotify make the most of AI?

We could try guessing but… decided to ask an insider.
Don’t miss out on this Disruption Talks episode with Bryan Maloney, Former Engineering Leader at Spotify!

“Experiences With ML & AI in Streaming Media R&D” is hosted by Agata Rączewska, Innovation Consultant & Client Partner at Netguru.

We’ve discussed:
– How does Spotify’s cutting-edge AI solve real-world challenges and balance engineering support with user-focused applications?
– What is the difference between AI and ML, and how do neural networks and large language models (LLMs) fit into the picture?
– How is AI-generated music impacting the industry, and what does the future hold for automatic ad generation and personalized targeting?

Perfect for all Engineering Leaders looking to stay on top of the trends!

When was the last time you had your lunch delivered to your doorstep?
We bet a majority here used food delivery services within the last 7 days.

It’s possible thanks to disruptors such as Wolt, and it’s Wolt we talked to during this live session!

This Disruption Talk “Measuring Success: Aligning Customer Value with Profitability” is perfect for:
– entrepreneurs
– industry professionals
– and innovators who want to learn how commerce platforms such as Wolt deal with challenges and seize opportunities.

We addressed issues such as:
– current trends in the food delivery and subscription service industry
– understanding and catering to the evolving needs of customers, especially the younger generations
– strategies for accelerating time to market and improving product delivery

How to drive strong customer engagement?
How to balance GenAI and compliance?
How to make the most of personalization and what's the best way to reach GenZs?

Conversation with Tal Brockmann, Founder & CEO at Finnovest, hosted by Wojciech Domagała, Delivery Lead at Netguru.

This session was a part of Disruption Forum: Future of Finance.

How can we leverage AI-powered finance? 
What's the role of cross-industry collaboration and partnerships in fostering innovative solutions?
How can businesses accelerate and optimize innovation in the sector?

Speakers:
– Seif Kabil, Innovation Strategy & New Ventures at ABN AMRO
– Steve Blanchet, Head of Group Technology Strategy and Innovation at Pictet Group
– Tomasz Owczarek, VP, Head of Sales and Strategy at Mastercard

Host: Radek Zaleski, Senior Partner at Netguru

This session was a part of Disruption Forum: Future of Finance.

What's the current share of checkout payment methods globally and by region?
Where are we heading in terms of digital wallets?
What's the outlook for BNPL?
How can we support underbanked consumers?

Speakers:
– Frantisek Jungr, Head of Product CEE at Visa
– Janusz Diemko, Investor, mentor and founder – Fintech and Payments expert with over 25 years experience
Host: Agata Rączewska, Innovation Consultant & Client Partner at Netguru

This session was a part of Disruption Forum: Future of Finance.

In this session, we explored trends and opportunities in AI and how to integrate them with your company's strategy.

We understand it's not easy to navigate through the AI noise, so we'll share practical insights from Netguru's experience with over 20 AI and Gen AI projects, including:

– Fintech Co-Pilot for API: Fixing major issues with API integrations to enhance seamless integration and documentation
– Insurance Customer Service: Leveraging generative AI for efficient complaint handling.

Join Krystian Bergmann, AI Consulting Lead, and Tomasz Grynkiewicz, Head of Growth at Netguru, for this insightful discussion.


This session was a part of Disruption Forum: Future of Finance.

What are the time-saving design principles for app globalization?
How to manage compliance globally?
What to keep in mind when building solutions for an international audience?

Speakers:
– Yael Barak, VP, Product Management at Worldpay
– Bernard Golko, GM & Acting Management Board Member at Solution One Fund

Host: Mateusz Krawczyński, Consulting Director at Netguru

This session was a part of Disruption Forum: Future of Finance.

Just how far can you go in terms of personalization? How to build the most intuitive financial solutions? What are the ingredients of hyper-personalization in banking?

Speakers: – Carina Grühser, VP Engineering at Solaris – Dorota Zimnoch, WW Executive Director - Innovation & Digital Strategy- Financial Services at Microsoft, – Ulrich Hoyer, Partner at Zeb Consulting Host: Krystian Bergmann, AI Consulting Lead at Netguru

This session was a part of Disruption Forum: Future of Finance.

🤔 Have you ever wondered what sets apart engineering teams at tech giants?
What makes their engineering culture so successful? How do they keep their teams motivated and productive?

🎙 Francis Lacoste isn't just any coach—he's a former engineering leader at Salesforce and Heroku. He knows firsthand what it takes to build teams that engineers love to be part of and that create products the world admires.

Listen to this Disruption Talks episode, where Kamil Puk, Delivery Director | Retail at Netguru, together with our guest dived deep into the inner workings of world-class engineering cultures.

💡 They were looking for answers to:
– What defines a thriving engineering culture, and how can you tell if your company has one?
– What is the role of leaders in navigating the unending cycle of change?
– How can we make it easier for our teams to embrace and thrive through change?

In less than three years, the Schwarz IT KG tech team built over 120 apps using low code. 75% faster compared to traditional development. 🚀

Schwarz IT KG, the owner of well-known grocery chains Lidl International and Kaufland Deutschland, leverages technology to enhance efficiency across their supply chain.

Today, their country’s teams are delivering 2 applications per month, instead of waiting years for central IT to develop some specific applications.

“We needed something that would be faster to develop than building in SAP or with high-code, like Java or C#” - explains Zdenek Prochazka, Head of Rapid Application Development within Schwarz IT KG.

Want to learn more insights?

Listen to this episode where Zdenek Prochazka, Leader of Rapid Application Development at Schwarz IT KG will discuss with Jacek Pietsch Principal Low-code Expert at Netguru:

– How Schwarz Group leverages the low-code platform to deliver over 150 practical applications
– How decentralizing development lets regional teams quickly create useful solutions such as HR management tools or warehouse systems
– How low-code cuts development costs and speeds up project delivery
– How to easily customize low-code applications to meet changing business needs without overburdening your IT team

The tech industry is known for rapid changes. How do you prepare your teams for unexpected shifts, and what role does leadership play in these scenarios?

The next guest of our Disruption Talks is Tim Boisvert, CTO at AirHelp, a company that has helped over 10 million people deal with flight disruptions. Prior to this role, Tim led engineering teams of over 100 members at wefox, Yahoo, and AOL.

He also has extensive experience in improving development processes and managing comprehensive engineering services. Tim has driven advanced content and personalization platforms, enhancing global publishing and machine-learning infrastructure.

Listen to this Disruption Talks episode as Tim Boisvert discusses with Barbara Rybicka, Consulting Director at Netguru:
– How to integrate new technologies into company strategy with real-world examples of impactful technological advancements
– How to prepare teams for unexpected industry shifts and the crucial role of leadership in these scenarios
– How to adapt management styles to fit diverse team dynamics in a rapidly changing tech environment

💸 💹 Hey Investors & Fintech Enthusiasts!

Hedge funds don’t want you to have this, but... this NY fintech promises to consistently deliver stock picks that outperform the S&P 500. All with AI-driven analysis.

Joining us is George Kailas, CEO at prospero.ai, a prominent figure in the intersection of AI and investing. George was buying his first equities at 13 and started his first AI company at 25. Now he leads a fintech startup aiming to democratize access to key market signals.

Together with Radek Zaleski, Senior Partner at Netguru, they discussed:
– The role of AI in investing and its integration into current trends
– Perspectives on democratizing investment opportunities
– And more!

🚗 What’s next for mobility? What’s next for Uber?🚗

Listen to “AI at Uber: Now and the Future” Disruption Talks episode featuring Dhruv Ghulati, Applied AI Product at Uber, and Dharmin Parikh, Head of Product Management at Uber.

⭐ We covered:
– Role of AI in transforming Uber’s day-to-day operations for enhanced efficiency and customer satisfaction.
– Uber’s approach to handling vast amounts of data generated daily and ensuring its quality and integrity for AI model training.
– Use cases where AI has been instrumental in enhancing user experiences for both riders and drivers.
– Challenges Uber faces in implementing AI technologies and how the company overcomes them through collaboration and innovation.

🚀 Airalo’s Product Leadership Secrets 🚀

Meet with Stephanie Kazalac, Product Director at Airalo, and gain insights on product leadership and global market fit in our next Disruption Talks!

️ 🌟 Key Topics:
- Strategies for driving product evolution and meeting traveler needs
- Predictions for the future of travel connectivity
- Achieving a true market fit: insights from Airalo’s experience

👟 All AI and Adidas fans – you better not miss this one!

Get ready for an exciting discussion with David Westera, Director of Trading Capabilities at adidas at the upcoming Disruption Talk episode titled "Does AI Wear Sneakers? Adidas’s Journey With AI", where we'll uncover:

⭐ Adidas's journey with AI and decision engineering: From challenges to expansion,
⭐ AI's role in product management and prioritizing initiatives,
⭐ Transforming product development: AI's influence on design, manufacturing, and customer feedback.

Engineering leaders, heads up!

If you're struggling with driving scalability in tech products, don't miss out on the next episode of Disruption Talks – Roberto Carisi, Senior Global Director of Solutions Engineering at Onfido is joining us. He will share more on "Solution Engineering: Driving Scalability in Tech Products like Onfido"

🔑 Key Discussion Points:
– The synergy between engineering, onboarding, and sales processes,
– Building high-performing solution engineering teams: key traits and considerations,
– Leveraging solution engineering for impactful product development and customer insights.

🧀 Discover emerging technologies shaping the dairy landscape and learn how Nestlé uses data and technology for market strategies.

Our guest, Ritanbara Mundrey, Global Head of Innovation & Insights for Dairy at Nestlé, shared her insights on this Disruption Talks episode – “Future of Dairy Innovation Through Data and Insights”.

⭐️ Topics we explored:
- Challenges and triumphs in driving innovation in the competitive dairy sector
- Emerging technologies as game-changers for the dairy industry
- Data and insights being used to improve the sustainability of dairy farming practices and production

🚀 Excited to share this Disruption Talks episode: "Crafting Culture Nurturing Excellence in Product Design" featuring Robin Bigio, Head of Design at Faire!

Join us as we delved into:
👉 Understanding Team Culture in Design
👉 Faire's Methodology for Nurturing Cultural Harmony
👉 Progression of Team Dynamics within the Design Sector

🚀 Listen to another Disruption Talks episode “Product Roles at High-Growth Companies: Learn from Uber” where we will discuss product innovation with our guest, Stefania Colombo, Product Manager at Uber.

If you're interested in product roles and software high-growth companies, then this one is for you!

⭐ We answered questions such as…
* What characterizes the culture in software high-growth companies?
* What are the requirements for a product role in 2024?
* How have software high-growth companies evolved in recent years?
* What is the significance of AI and its implementation?

Reveal AI insights in retail with our Disruption Talks guest, Tomasz Glowacki, Head of Data Science at Żabka Group.

On “AI-Driven Efficiency: Transforming Retail from the Ground Up” episode we talked about how to:
- Leverage AI at the management level for actionable data-driven insights
- Elevate retail customer experiences with personalized AI interactions
- Revolutionize supply chain, demand forecasting, and logistics all through AI

Host: Radek Szeja, Engineering Lead at Netguru

🛒 🛍 Interested in learning about unique IT challenges and opportunities within the retail industry?

Join the conversation with Kamil Jackiewicz, Head of IT Development & QA at Pepco, as we delved into:

• Implementing IT solutions in a multi-country retail environment,
• IT's role in company expansion and operational efficiency across borders,
• Identifying game-changing technologies in retail.

Join us to gain valuable insights into the challenges, growth opportunities, and future trends in the ever-evolving landscape of rapid delivery.

Don’t miss the chance to explore the dynamic interplay between technology, user behaviors, and the retail landscape in “Quick Commerce and the Evolution of Delivery Dynamics” episode with Michel Aguib, Director of Engineering at talabat.

🚀 Excited about our live Disruption Talk with Rams Chowdary Kadiyala, Senior Director, Software Engineering at Delivery Hero!

Listen "Beyond Code: Learning, Leading, and Innovating in Tech" episode to uncover key insights:
- What are some of the biggest challenges one faces when integrating systems across diverse domains such as retail, supply chain, and financial trading?
- How does the company culture influence the way technology solutions are developed and implemented?

Explore Rams’s journey, industry evolution, company culture!

🧑‍💻👩‍💻Gear up for another Disruption Talk with Damian Sosnowski, Head of Engineering at OLX – “0 to 100: Challenges a Head of Engineering Has to Face in 2024”, where were looking for answers on:
- How to navigate the challenges in the current unpredictable market?
- How does the platform team contribute to the overall engineering approach?
- What role does data and ML play in shaping the products?

Listen to conversation exploring the future of digital currency and its impact on the financial landscape.

In this episode: "The Digital Dollar Revolution: The Future of Virtual Currency" we talked with Lisa Nestor CTO at Airtm:

- Is digital currency important, and how does it differ from traditional digital banking?
- Is there a general "bad rep" for digital currency, and why do people often mistake it for crypto?
- What are the main obstacles hindering the widespread adoption of digital currencies?

Host: Radek Zaleski, Client Partner at Netguru

Listen to our conversation with Pier Martin, Associate Director – Global Analytics at Wayfair where we unveiled the secrets behind transforming data into shopping victories, as well as:

• The biggest challenges faced by the industry in leveraging analytics for deeper consumer understanding,
• The evolution of analytics trends in the retail industry over the past few years.

👨🏻‍⚕️ 📊 Data-driven surgery is one of the examples of #digitalacceleration happening in healthcare industry.

One of the leading players in this market is Caresyntax - its software, using AI, automation, OR analytics, and large volumes of video, audio, images, and device data supports surgical teams in over two million procedures per year.

We meet with Bjoern von Siemens, Founder at Caresyntax to discuss:
- AI's impact on Healthcare industry.
- Changing the narrative from sick care to proactive data-based systems.

🚀 Our recent Disruption Talks episode was nothing short of extraordinary, featuring the insightful Juan Jose Dardon Mota (JJ), the Head of Innovation Management at the Otto Group.

Born in Guatemala, JJ has 20 years of experience in product management and digital business. After beginnings at guenstiger.de, he landed in the Berlin start-up world. He spent ten years building and managing product teams for various startups from Axel Springer, Rocket Internet SE, and finleap.

JJ now lives in Hamburg-Volksdorf with his wife and two young sons, loves FC Barcelona and Metallica, and enjoys spending his vacations in Andalusia, his mother's homeland.

This episode was a platform to delve into JJ's wealth of experience, gaining insights into the dynamic intersection of innovation, product management, and market trends.

🏡 It's high time to reinvent the way the home experience is designed and built. And bring the housing industry into modern times. Listen to conversation with Amit Haller, CEO and Co-founder of Veev.

🚀 His company is on a mission to utilize their proprietary technology and approach to build better, sustainable homes, faster. The discussion covers:

1. How digital tech enables sustainable building and homeowners' experience
2. How Veev is executing its mission to reinvent the US housing market
3. And more!

🤖 👨 Lifelike human avatars are becoming a part of our lives. Should we be scared or excited? Explore their capabilities in our upcoming Disruption Talks episode!

💡Listen to our discussion to uncover the fascinating realm of AI avatars and ponder the question: What's the next frontier for this groundbreaking technology? How is this technology reshaping our digital identities and interactions?

R&D plays a crucial role in bulletproofing organizations and preparing them for tomorrow's cybersecurity threats. But how does it actually work? 🤔 How do we foster innovation in cybersec? And what's the role of AI and machine learning? Listen to Artturi Lehtiö, VP, R&D for Agents at WithSecure, sharing insights into cutting-edge cybersecurity research and development.

Jenny Herald, VP of Product Evangelism at Quantive, answers all your questions you've always wanted to ask but were too afraid.

In this episode of Disruption Talks you'll learn about: 1. How to scale company goals using OKRs.
2. How does Quantive’s approach to OKRs differ from other companies.
3. How to measure the success of OKRs.

If you enjoyed it, please rate our show on your favorite podcasting platform.

Amazon Web Services is without a doubt the leading world-class cloud provider.

In this Disruption Talks episode, we have the pleasure of hosting the Head of Technology at AWS CEE, Tomek Stachlewski & we will be exploring the fusion of AWS's cutting-edge cloud services with the transformative power of Generative AI.

Join us as we unravel the secrets behind this dynamic duo, uncovering the unlimited possibilities and incredible potential it holds for businesses and industries worldwide. Get ready to be inspired, as we unleash the true essence of innovation and disruption in the digital era. Tune in now and be part of the future!

🌸 Everyone, at least once in their life, has ordered flowers online.

🤔 However we probably never thought about what's the process behind it and how the industry evolved thanks to the emerging tech trends.

On this Disruption Talks episode, we have the great pleasure of hosting Diyaa Hamza, Chief Technology Officer at Floward. Floward is an online flower & gift delivery company that is revolutionizing the industry with their individualized approach and betting on keeping the quality high at each stage of the delivery process.

This episode is hosted by Barbara Rybicka, Senior Business Development Lead at Netguru.

Join us for another episode of Disruption Talks!

Our guest this time is Dinesh Deva, VP of Product and Engineering AdTech, MarTech at Zalando SE who tells us more on Zalando's approach to personalization in e-commerce and marketing, using AI.

Who doesn't know Zalando? It's Europe's leading online platform for fashion and lifestyle. With 51 million customers in 25 markets, they are the leading voice in e-commerce.

Sit back, relax and enjoy the episode!

"Technology is making people more isolated, less connected. And that has some massively detrimental effects. Technology up until this point has been a real contributor to that negative trend." - says Phil Bennett, Director of Engineering at Kilo Health.

Phil's story with Kilo Health starts quite abruptly - he was found in a high-risk possibility of having a heart attack. This moment made him realize that he needs to focus his engineering skills on building something that would be meaningful for society and human health. As he mentions in the episode, we even know more about technologies than we know about the human brain.

Put your headphones on & enjoy this one!

"Dataiku's mission is to make AI cheap, safe, and easy for everyone to benefit from. Any time the goalposts are shifted and new technology becomes hot, our job remains the same." - says Dataiku's EMEA Field CDO, Shaun McGirr.

Dataiku is a platform for Everyday AI, enabling data experts and domain experts to work together to build AI into their daily operations.

During this insightful episode, you will have a chance to learn from the experts on how to increase your return of investment using AI & what is the actual reality of implementing such technology in your organisation. In the AI area, when everyone seems overly confident about the topic, Shaun reveals the secret sauce on how to remain grounded in reality and how to make AI work for you in your organisation.

Sit back, relax and enjoy!

"The world is changing very rapidly. And the majority of people are not open to change. You need to learn how to be open, accepting, and adapting to it." - says Shailesh Kumar, SVP & Head of Technology at ClickUp.

ClickUp is a comprehensive project management and productivity tool designed to help teams and individuals organize and collaborate on tasks effectively. It offers a wide range of features and capabilities that streamline workflow management and enhance productivity.

On this episode we touch on topics like:

• How can AI enhance user productivity?
• How do the technical values of ClickUp differentiate them from the market?
• What is the underlying technology stack that powers ClickUp?

Enjoy!

Join us on this episode of the podcast as we delve into the world of digital technologies and their immense potential in combating hunger and helping underserved regions of the world. Our special guest is Bernhard Kowatsch, Head of Innovation Accelerator at the UN World Food Programme, who shares insights on how technology can revolutionize efforts to address hunger.
He is also the co-founder of Share the Meal which is a one-tap solution to fight hunger worldwide. Millions are making a difference by donating meals with just a touch, bringing hope and nourishment to those in need.

Listen to this very insightful episode to find out more!

Join us for an enlightening episode as we welcome a special guest, a Machine Learning Director at Intercom, who shares valuable insights and challenges common misconceptions about Artificial Intelligence.

Our guest unravels the art of scaling AI models for customer support, enabling them to proficiently handle a diverse range of questions. Discover the strategies employed to train AI systems for accurate and efficient responses.

What's more, Intercom has just released their newest generative AI-based customer chatbot called Fin! Check it out here: https://www.intercom.com/fin

Join us for this insightful conversation that demystifies AI, uncovers the potential of scaled models in customer support, and showcases the significance of data scientists in this ever-evolving field. Tune in and be inspired!

Welcome to this new Disruption Talks, where we sit down with a very special guest, Todd Yates, the Chief Technology Officer of TransAct that is driving the change in the digitalization of the US educational system.

Together with Radek Zaleski, Senior Partner at Netguru, they discuss the perspective on the importance of creating the right strategy to lead the technology of the company, such as, for example, choosing the right stack.

They also touch on the topic of leveraging technology to empower those who may face challenges in accessing education, and how this can be achieved by making all utilities available to them. As Todd explains, "The best investment we can make is making all of the utilities that we have available to people that struggle with accessibility issues".

Tune in to find out more!

Welcome to the latest episode of Disruption Talks, where we interview the one and only Lubomila Jordanova, CEO & Co-Founder of a leading decarbonization company, Plan A.

During this chat, we discuss the most pressing matter of our times, which is sustainability and how to implement sustainable solutions - including decarbonization and ESG - in the business culture.
"I really do hope that the stakeholders feel the need to engage in the [sustainability] topic out of concern, and not trends" - says Lubomila to Mateusz Krawczyński, Netguru's Greentech Consulting Director.

Make sure to tune in as we discuss a topic that should be the main focus for all businesses - sustainability and how to achieve it in such a fast-paced and constantly changing society.

Join us on another Disruption Talks episode as we explore the intersection of technology and sustainability, with a focus on waste management.

We'll be diving into the latest innovations in recycling, energy recovery, and waste reduction, and discussing how cutting-edge technologies can help us build a more sustainable future.
In this episode, we chat with Bernard Moret, Head of Technology at Metawaste, a company that is leading the change when it comes to sustainability and waste management.

Whether you're a sustainability enthusiast or simply curious about the latest tech trends, this podcast is for you.

So buckle up and get ready to learn about the exciting ways technology is helping us tackle one of the world's most pressing challenges!

As technology continues to advance, real estate companies are encountering new challenges in their quest to stay ahead of the curve. From adapting to climate change to navigating global pandemics, the need for resilient portfolios has never been more important.

ESG, or Environmental, Social, and Governance, has become a top priority for many organizations. How is it shaping the future of the real estate industry? Michael Ewert, Global Head of JLLT Advisory, together with Dani Alcalde Güelfo weigh in with their insights.

But amidst these challenges, there are also opportunities for companies to future-proof themselves and become leaders in technology adoption within the industry. So, what's our bet for the one future-proof opportunity that companies should be taking advantage of? Tune in to find out.

Founding a fintech startup and then developing it through the scaleup and enterprise phases sounds cool. Is it as easy as it sounds when we hit the wall of regulatory challenges and expansion issues?

Fortunately, our today's Disruption Talks guest has all the answers you need.
Meet Şebnem Elif Kocaoğlu Ulbrich, Founder at Contextual Solutions, a Berlin based Consultancy, Coaching and Publication Agency specialised in FinTech and LegalTech.

Contextual Solutions can really help to make your way though internationalisation of your fintech business smooth and easy. Found out how they do it by tuning in to this Disruption Talks episode.

Enjoy!

Can you get bullied for using PHP (Hypertext Preprocessor) in your web development work?
Is it fair to still live this stereotype? How to make sure your frontend work aligns with the user interface and user experience?

What's more, how to implement all of that to the hospitality industry?

Well - Mews does it with flying colours. They have created an unique, innovative hospitality management cloud that helps the hoteliers accelerate their performance and revenue.

Marcin Walas, Mews' Director of Engineering - Frontend is our today's guest and together with debuting Adam Nowak, Consuting Director - Engineering at Netguru, cover all things technical when it comes to the creation of such platform.

Tech geeks - sit back, relax and enjoy this insight-packed episode.

"The faces might change but the problems stay the same" says Mastercards' Ventures Senior Vice President, James Carroll, the guest of this Disruption Talks episode.

Mastercard is one of the biggest players in the field of digital payments. With 2.3 billion card holders they're definitely a pioneer when it comes to innovation. But it's no longer about innovation, it's about the speed of its implementation. And Mastercard is winning at this.

Tune in and find out more about what James has to say regarding the current challenges in the digital payments world, all things metaverse, (in)famous CHAT GPT, and trends predictions.

You cannot miss this one!

bioniq - a company that created "personalized supplements product that relies on 3 million proprietary biochemical data points” and it's taking by storm the healthcare and wellness industry in Europe.
Its highly innovative product is specifically tailored to meet the supplementary needs of individual.

However - Is it even possible for supplements to be that individualized?

Find out the answer to this and a lot more questions in the freshest Disruption Talks episode where Filip Sobiecki, Client Partner at Netguru is intreviewing bioniq's Co-Founder, Calin Popescu.

Make sure to tune in a find out how can bioniq can help you improve your health!

Even though the tech industry is going through difficult moments, fintechs are still thriving.
New trends are emerging almost every day and the industry keeps witnessing how solutions that were trending just a while ago, now are being left far behind.

On this Disruption Talks episode, we're focusing on digital payments. Together with Venkat Srinivasan, Product Lead & Digital Payments Specialist, we are discussing whether we will still need physical payment cards in the nearest future, consumer trends and behavior when it comes to online payments, and how to keep up with the fast-paced industry.

Sit back, relax & enjoy!

What will the fintech industry look like in 2023?

Join us for another Disruption Talks episode, where we’ll talk to Tristan Pelloux, Founder & Chief Pencil Officer at Fintech Review.

During the episode you will find out more about the 2023 predictions for the fintech industry, the most underestimated trends that we get to observe as well as the ones that might be overhyped.

Enjoy listening!

On this episode of Disruption Talks, we have the great pleasure of hosting Ahmet Bahadir Ozdemir, Co-Founder at Airalo.
Tune in to this episode if you want to find out more about what's behind the e-Sim store that changed the game for good.

This episode is hosted by Netguru's Business Development Lead, Basia Rybicka.

Enjoy listening!

An innovative culture is a crucial aspect of all business models but how to make sure its implementation process is smooth in large organizations?

Well, we have all the answers you need!

Netguru's Fintech Client Partner, Sean O'Connor, meets with Anna-Lena Lorenz, Head of Innovation Process at ABN Amro Bank to discuss what is the most challenging aspect of innovative culture and how to implement and conduct successful experimentation in this field.

You can't miss this one so sit back, relax, and enjoy this episode of Disruption Talks.

“In the current world scenario you need to develop an ability to make changes and decide differently as new information arises” - says Johnny Quach, CPO & CMO at Hostelworld.

Johnny is our guest during this Tuesday's episode of Disruption Talks. Together with Paula Sztainwald, Product Manager at Netguru they discussed why Hostelworld is the leading innovator in the hospitality sector & how to adapt digital acceleration to the fast-changing world situation.

Sit back, relax and enjoy this episode!

“When it comes to security and phishing, the attacker needs to be successful only once, while the defender has to be successful all the time.” - says Tomas Martinkenas, Director of Security and Privacy at Vinted.

Security and privacy were the topics of our recent Disruption Talks, where Tomas shared his views with Netguru’s Cyber Security Lead, Maciej Markiewicz.

Tune in to this podcast episode and learn more! Enjoy listening!

How can one healthcare management system can help close the gender data gap?

As Vira Health, a digital health company focused on women’s health, points out, female-specific health issues are under-researched and under-invested. They are here to change it.

In this episode of Disruption Talks we’re hosting Andrea Berchowitz, Co-Founder at Vira Health. She tells more about the healthcare app that combines human and AI driven treatment of menopause.

Enjoy listening!

Ep. 80. Democratizing the Investing Industry. Disruption Talks with Wizest.

How to make the investing sector accessible to a broader audience? How to spark interest in groups that are new to investing or are taking their chances but failing?

All of that and a lot more in the newest Disruption Talks episode!

This time we’re hosting Axel Thibon, CEO & Founder at Wizest, who tells more about what’s ahead of Wizest and how to boost growth in the investing sector.

Enjoy listening!

Long time no see! We’re coming back with a fresh episode of Disruption Talks after a short summer break.

David Lais, Co-Founder and Managing Director at ecolytiq, joined to discuss how banking can revert human impact on the climate. As he states: “One of the most powerful things we can do is to build transparency of environmental reports and carbon accountings”.

Tune in to this episode of Disruption Talks and listen to the conversation between David and Netguru’s Client Partner, Filip Sobiecki.

Finishing this season of Disruption Talks strong! We had the pleasure to host Darlene Miranda, VP of Product Management, UX Design and Research at DailyPay.

Tune in to this episode of Disruption Talks and learn more about the modern product mindset and the “customer obsession” approach.

Hit the play button and share the episode with your friends. See you after a short summer break!

When you’re working, you may get a feeling of not doing something right or differently than others.
As Stefanie Sample, CEO and Founder at Fundid, says, she has zero interest in feeling this way.

Tune in to this episode of Disruption Talks and listen to the conversation between Stefanie and Netguru’s Head of Growth, Ola Prejs.

Hit the play button and share the episode with your friends!

Let’s talk about product design! 🎨

Rebecca Werres, Principal Product Designer at Wise, recently joined Disruption Talks and shared more about moving from an agency to a product-oriented organization.

Frankly, the differences between agencies and product companies are not that obvious!

Tune in to this episode of Disruption Talks

Hit the play button and share the episode with your friends!

“The top [engineering challenge] for me is hiring. It’s the most time-intensive process where you can compromise the least.” – says Andrea Perizzato, Tech Lead at FINN.

Tune in to this episode of Disruption Talks and dig deeper into the digital acceleration in the mobility industry.

Hit the play button and share the episode with your friends!

“Every time we roll into a new market, we need to ask ourselves what the regulatory environment looks like.” – says Yael Barak, Vice President of Product Management at Checkout.com.

Tune in to this episode of Disruption Talks to learn more about building a customer-centric approach in the digital economy.

Hit the play button and share the episode with your friends!

“The world won’t stop changing, and so tax law will become more complex and will have to evolve together with it”, says Jody Padar, Head of Tax Strategy and Evangelism at April.

Tune in to this episode of Disruption Talks to hear more about Jody’s strategy on making the taxation processes a more pleasant experience.

Hit the play button and share the episode with your friends!

Displate has progressed from a tiny art marketplace to a worldwide unicorn.

Mateusz Godala, CEO and Board Member of Displate, is the best person to share the company's backstory.

Mateusz sat down with David Stepaniuk to discuss how to develop a solid community in the game business, Displate's future plans, and his thoughts on NFT.

To learn more, listen to this episode.

As an innovation director of Carrefour, Nicolas Safis knows first-hand how to drive digital transformation in a large enterprise.

Kuba Filipowski, Netguru’s Co-Founder, recently sat down with Nicolas Safis to talk more about Carrefour’s plans for the future and its approach to digital acceleration.

Tune in to this episode to hear more.

“We try to get the traditional, centralized finance world to connect into the decentralized world and make it somehow easier and readable for end users.” - Inácio Schweller, Senior Engineering Manager at Nuri.

Sean O'Connor, Netguru’s Fintech Sales Team Leader, recently had an opportunity to speak with Inácio during Disruption Talks.

Tune in to this episode to hear more about Nuri’s take on blockchain banking.

What are the good and bad sides of customer-facing and internal-facing product management roles?

As Mariana Tibuh, Senior Product Manager at Zalando Lounge, said in our recent episode of Disruption Talks, “the good thing about customer-facing product management is that we talk about it a lot. Whatever difficulties there are, they’ve been discussed and dealt with. Whereas with internal-facing product management, the issues have not been discussed so much.”.

Tune in to this episode of Disruption Talks.

We have a set of values in our company and one of those is being revolutionary, which positions us in the disruptive status quo.” - says Diana Martins, Group Product Manager - Platform Solutions at Farfetch.

What’s the story behind one of the first unicorns to come out of Portugal? Did it influence the journey that Farfetch had through the years?

Hit the play button to find out all about Farfetch, the luxury e-commerce brand.

Tune in to this episode of Disruption Talks.

Who hasn't heard of Vinted? Customers use this site to resell their clothing and exchange them for fresh stuff. Sounds like a fantastic path to a more sustainable future. What is the secret behind the success of the Lithuanian unicorn?

Filip Sobiecki from Netguru interviewed VP of Engineering at Vinted, Mindaugas Mozūras. As they claimed during this episode: “Learning a new programming language is easier than changing your behavior.”

Click the play button to discover more about shifting your behavior and how solving problems should be more than just technology.

Take out your headphones, crank up the music, and enjoy this unicorn ride.

In the fintech banking space there’s a lot that can be copied because of how regulated it is. So, where else can companies like Kroo differentiate?

Sean O’Connor from Netguru interviewed Head of Product at Kroo, Thomas Robinson. As Tom said, “we know that customers want to identify and work with brands that match their values. This is the space where Kroo can really differentiate.”.

Hit the play button to find out all about creating a challenger bank in the world of strictly regulated fintech banking space.

Tune in to this episode of Disruption Talks.

What’s the road 🛣 to becoming a Super App according to Adeeb Warsi, Managing Director at Careem? During this episode of Disruption Talks, Netguru’s CEO, Marek Talarczyk, discussed digital acceleration with Adeeb Warsi.

Hit the play button to find out what a day in the life of a Managing Director at Careem looks like. What KPIs does Careem track? How does the team prioritize and accelerate projects? How to execute digital acceleration strategy?

Find out this and much more in this episode of Disruption Talks.

If you’re a fan of this podcast series, you probably know that we recently had Lucas Bédout, Head of Engineering at Spendesk recently on our show. What has changed since then? Well, actually A LOT as Spendesk has just become a unicorn 🦄 and their growth rates are formidable. We invited Spendesk’s Head of Marketing Stephanie Bowker to discuss the nuts and bolts of growing and scaling a b2b fintech, positioning differences between Europe and the US, what are the metrics that help her decide if her team’s branding efforts are working, and building successful links between the community and the product. This one is a must-listen for everyone struggling with scaling up digital products.
Hosted by Ola Prejs, Head of Growth at Netguru.

On this episode you’ll have a chance to meet Adrian Pica, who is the ex-VP of Product at Bolt, an expert in all things mobility, maps, geo and location-based technologies, B2C marketplaces, automotive, complex back-end platforms and autonomous driving.
A seasoned Product Leader, passionate about product management in tech companies, with over 10 years of experience in both startups and large global companies in Europe, US and Asia.
Together with our host Pedro Sousa, they discuss what are the most important aspects of Micromobility and how to remain in touch with users’ needs.

Sandra Wdowiak is an Experience Designer working at Pandora. She joined the company a few months ago, deciding to make a switch from the finance industry.

On this episode she shares her insights on how to combine beautiful design with problem-solving and gives us a sneak peek into how they combine those two qualities at Pandora.

She also shares her favorite UX practices and gives us a huge dose of inspiration around design.

This episode is hosted by Sabina Białek, Senior UX Designer & Team Leader at Netguru.
Enjoy!

Lucas Bédout, Head of Engineering at Spendesk is joining us for another Disruption Talks episode and will unveil what’s behind the great engineering culture at the company and what are the challenges they face when it comes to scaling tech teams.
Spendesk is a fast-growing spend management platform that allows companies to control their money and budgets. They are well known for their built-in automation and smooth approval processes.
This episode is hosted by Sean O’Connor, Fintech Sales Team Leader at Netguru.

Sit tight and get ready because on this episode of Disruption Talks we’re hosting a special guest from the luxury sector - Carlota Rodriguez-Benito, Head of Innovation at Chanel Iberia.

In this episode Carlota shares insights from her first-hand experience working at a globally recognized luxury brand Chanel Iberia. Carlota sheds some light on innovation management in this industry, and whether it will be impact by the Metaverse. She also gives us the perspective of a writer as she’s about to launch her second book LUXE 4Z : Shaping a Landscape for Luxury in 2040. In her book Carlota presents predictions drawn from her own research, experience, as well as conversations with industry leaders.

Hosted by Filip Sobiecki, Client Partner at Netguru.

Together with Helen Björk, Product Manager at Northmill Bank, we dig deeper into the challenges that Product Managers face, innovations in the payments sector, and Northmill Bank’s upcoming card launch.

Hosted by Paulina Sztainwald.

During the upcoming episode of Disruption Talks we'll have the opportunity to dive into KYC, Anti-Money Laundering but also to discuss building an open product roadmap and most pressing challenges of a product manager in fintech.

Together with Daniel Thomason, Financial Crime Prevention Product Manager at Wise we will have a closer look into the work with stakeholders in compliance, operations, engineering, and risk management - and the ways of making it all work together.

Hosted by Filip Sobiecki.

Decentralized finance or DeFi is a relatively new idea even in the fintech world, but it has been gaining traction over the past year.

DeFi offers a different experience to traditional banking and opens up a world of possibilities previously closed to consumers.

In this episode of Disruption Talks, we spoke with the Co-Founder and CEO of Unstoppable Finance, Peter Grosskopf. Peter is a big name in the fintech and blockchain space and joins the live stream to talk about why he started his latest company, and to share his thoughts on DeFi’s future.

Hosted by Sean O'Connor.

Nowadays, the world of fintech is much larger and more complex than ever before. It’s not just about banking anymore. It’s evolved into something much bigger.

You can now throw brokerage, insurance, payments, lending, investments, and even crypto into the mix. All of these different financial verticals have different uses, regulations, tools, and accounts to manage them — making financial services fragmented by nature.

The problem with this fragmentation is that consumers have to manage their money through a range of different tools from different providers. As none of these tools are really designed to integrate with each other, it’s up to the customer to manage it all individually.

In other words, it can be a great hassle, time-consuming, and makes for an overall poor user experience.

Aiming to solve the problem is Rize, a fintech-as-a-service provider designed to pull these different verticals together under one roof. Rize does this by using Synthetic Accounts technology, which seamlessly integrates checking, saving, and individual brokerage into one API fintech builders can use.

In this episode of Disruption Talks, CEO and Co-Founder of Rize, Justin Howell, explains how its embedded fintech service works.

Hosted by Filip Sobiecki.

In a world where digital payments are the norm, many businesses have begrudgingly accepted the high costs associated with processing credit card payments. However, alternative means of managing payments are rising in popularity.

One such solution is provided by Dwolla. Founded in 2008, Dwolla was designed to make moving money simple, fast, and affordable. The company provides an API that allows companies to build and facilitate fast payments, specifically with a focus on ACH (automated clearing house).

Skyler Nesheim, Senior Vice President of Technology, and Benjamin Schmitt, Vice President of Product at Dwolla, joined Disruption Talks to discuss how it all works. They explain how Dwolla’s payments API works, the challenges faced in the payments industry, and Dwolla’s success secrets.

Hosted by Filip Sobiecki.

Remote work is the new normal - a phrase almost everyone in the business world has said at some point in the last 18 months.

Some believe that the dust will settle, and the trend will die out. Others believe that a remote-first world is the future of work.

Studies show that employees are increasingly demanding that this trend sticks. According to We Work Remotely, 40-55% of people said they would quit their job if remote work options were not made permanent for at least half the week. 35% even said they would be willing to take a pay cut for it.

Aside from the pandemic, technology, tools, and companies like Deel are making it easier than ever to hire remotely and manage remote workers.

Deel is a global payroll platform that simplifies the complexities of hiring people in different countries. With a remote-first world looking like it’s here to stay, there’s no better time for a solution like Deel. As a rapidly rising star in the fintech world, Deel recently managed to raise $156 million in 2021 and was valued at $1.25 billion.

Dan Westgarth, Chief Operating Officer, joined Disruption Talks to discuss remote work and how Deel has grown in a remote-first working world. Dan previously joined Disruption Talks to explain how a global payroll system works.

Hosted by Filip Sobiecki.

How often do you use your credit card or smartphone to make payments? If you log into your bank account right now, you’ll no doubt see a few recent transactions there. They may even outnumber the times you’ve paid with cash.

As we head towards a cashless society, credit card and mobile payments are the new normal. The mobile payments market has grown over the past few years, accelerated by a pandemic and increased trust in mobile payments.

As a result, new fintechs and older incumbent banks are eager to cash in on this trend. For new or smaller payment providers, competing in such a saturated market is tough.

The CEO of SnapScan, Chris Zietsman, joined Disruption Talks to talk all about it. SnapScan is a mobile payment solution provider in South Africa. It can be used with most bank cards, and it’s supported by Standard Bank, a major bank in South Africa.

Hosted by Nat Chrzanowska.

Is it time for embedded banking to break out of the fintech bubble?

Like open banking and banking as a service, embedded banking is something more commonly targeted towards other fintech companies. However, it’s not just the fintechs out there that could use a way to integrate financial solutions.

Businesses in all different industries now need seamless financial solutions, and that’s where Weavr comes in. Weavr allows companies to embed banking and payments into products, platforms, or mobile apps. It targets industries such as education, health & wellness, and real estate to help them integrate financial services.

Lars Markull, Banking Lead at Weavr, joined this episode of Disruption Talks to explain more about embedded banking, where it sits in the market, the top challenges, and the benefits of using it.

Hosted by Filip Sobiecki.

Is it possible to put the brakes on fast fashion and make it more sustainable?

The prevalence of fast fashion makes this industry largely unsustainable. However, there are a rising number of brands committed to making fashion more sustainable and environmentally friendly.

As part of our Sustainability in Retail series of Disruption Talks, we invited Silvia Mazzanti, Product and Sustainability Manager at Save The Duck, and Laura Vicaria, CSR Manager at MUD Jeans International BV, to talk about their sustainable brands. Jinder Kang, Innovation Consultancy Lead at Netguru, also joined the conversation.

MUD Jeans is a circular denim brand that produces high-quality, sustainable jeans. The company aims to recycle every single pair after use. Save the Duck’s mission is to create products that respect animals, the environment, and people, thanks to cutting-edge technologies that allow them to use sustainable materials.

Hosted by Nat Chrzanowska.

As the saying goes, money makes the world go round. It’s something that’s a huge part of our day-to-day lives, and yet financial literacy is lacking in many areas.

Without financial education in the school system, many people simply do not have the knowledge they need to make the right money decisions.

People like Oleg Izyumenko, a contractor in the financial services industry, are trying to change that. Oleg joined this episode of Disruption Talks to discuss financial literacy and education, how to be smarter with your money, the role of government in financial education, and much more.

Hosted by Filip Sobiecki.

How do we combat the growing food waste problem?

According to the Food and Agriculture Organization of the United Nations, reducing food loss and waste is key to reducing greenhouse gas emissions and pressure on land and water resources. An estimated 17% of total global food production is wasted, and 11% of that occurs in households.

However, if we are to improve sustainability in retail, we can’t ignore the 2% of estimated food waste in retail as well. Huge amounts of edible food are thrown out at supermarkets around the world, and the solution is not a clear-cut one.

In this episode of Disruption Talks, part of the ‘Sustainability in Retail’ series, Jinder Kang and Patrick Rowse discuss the food waste problem and sustainable technology in retail.

Jinder Kang is the Innovation Consultancy Lead at Netguru and is an advocate of human-centered design to drive businesses forward through product, service, and business strategy.

Patrick Rowse is the Sustainability Manager at Delivery Hero. As an experienced sustainability professional, Patrick has a passion for the environment and innovation. He is motivated by the concept of "tangible good" and using environmental economics to build sustainability directly into core business strategy.

Hosted by Nat Chrzanowska.

Confidence in cryptocurrency has grown over the past few years, but there’s still a long way to go to educate people about it.

Over the past couple of years, new apps and organizations have been talking more about crypto, bringing the conversation into the public space, and educating people about it. One such organization is Börse Stuttgart Group, the second-largest German stock exchange.

Börse Stuttgart Group developed BISON, a crypto trading app that seeks to make crypto simple, reliable, and more accessible.

In this episode of Disruption Talks, we spoke with Ulli Spankowski, Chief Digital Officer at Börse Stuttgart, about crypto, the BISON app, blockchain, and more.

Hosted by Filip Sobiecki.

The last panel at Disruption Forum Retail brought us inspiration from Oliver Lange, who runs the open innovation project at H&Mbeyond and H&M LAB Germany. Oliver shared what his take on running innovative projects in the retail space is, what fuels such projects, and what can stop even the most innovative teams.

Throughout the panel, Oliver answered the following questions:

How can retailers understand the needs and demands of the market?
How does his team at H&Mbeyond work on innovative concepts and ideas? How do they validate them?
What is his definition of co-creation and why is this concept important?
Examples of the projects Oliver has been recently involved in and what lessons he has learned.
What should be the main goal of innovative projects in the fashion industry?

Moderator: David Stepaniuk.

What is unified commerce? During this panel at Disruption Forum Retail, Jakub Czerwiński, VP CEE at Adyen, defined this term and explained how many benefits this strategy can bring to retailers. Jakub also emphasized the importance of collecting data from both online and offline sources and presented examples of implementing data-driven business decisions in practice.

Throughout the panel, Jakub shared:

How unified commerce differs from omnichannel & multichannel approaches.
The role unified commerce will play in helping retailers build competitive advantage mainly on customer experience.
How does unified commerce work at Adyen - what are the pillars of the products?
What kind of decisions companies can make having data about customers centralized on a single platform.

Moderator: Filip Sobiecki, Netguru

This episode was recorded during Disruption Forum Retail 2021 by Netguru. Find out more at https://hubs.ly/H0X_0p10

Alina Cahill, Product Lead at Wolt, brought us in on how they’re using the app’s information architecture and mental models to create a frictionless experience for customers in the digital world. Wolt’s vision is to build a digital version of the shopping mall in your pocket.

During her chat with us, Alina discussed the following matters:
What is information infrastructure and architecture?
The definition of mental models.
How mental models can be leveraged to make the process of online shopping easier and more intuitive for the consumer.
What makes customers stay longer and use the product repeatedly?
Is there one, main purpose of ecommerce experience compared to customer experiences at brick-and-mortar stores?

Moderator: Tomasz Grynkiewicz, Netguru

This episode was recorded during Disruption Forum Retail 2021 by Netguru. Find out more at https://hubs.ly/H0X_0p10

Speakers: Andrea Tassistro, CEO at Foodetective and Romain Colnet, Innovation Business Development Manager at Worldline Global. We will discuss how these two worlds are getting closer to each other, in particular in the payment space.

Moderator: Filip Sobiecki, Netguru

This episode was recorded during Disruption Forum Retail 2021 by Netguru. Find out more at https://hubs.ly/H0X_0p10

During this panel at Disruption Forum Retail, Milena Lazarevska, VP Commercial Quick Commerce at Delivery Hero, talked about the rapid growth of quick commerce and different approaches to the operational aspect of this service. She also discussed how quick commerce addresses the changes in consumer behavior and what customer problems it solves.

Throughout the panel, Milena answered the following questions:


How has the pandemic influenced consumer habits and behaviors?
Which of these habits will stay with us after the pandemic?
What’s the other model of playing in quick commerce, apart from having your own dark stores?
How much of their shopping do customers want to be delivered to their homes?
What’s more important in quick commerce: the density or the breadth of what a customer can order?
Are autonomous vehicles the future of delivery?
What are the future plans for the development of the quick commerce project at DeliveryHero?

Host: Filip Sobiecki, Netguru.

This episode was recorded during Disruption Forum Retail 2021 by Netguru. Find out more at https://hubs.ly/H0X_0p10

How does Klarna, the buy now, pay later giant, offer such a smooth shopping experience for customers?

Klarna has made it more affordable and easier to checkout on online shopping sites for many, and usage only increased during the pandemic.

To talk about the design side of things, Ege Altunsu, Product Design Lead, Design Manager at Klarna, joined this episode of Disruption Talks.

Ege explains how Klarna was able to get ahead in the market, scale up quickly, and still maintain a high level of service for customers and merchants. Ege also shares what it’s like to be a product designer and lead a large design team efficiently.

Hosted by Toto Castiglione.

How sustainable are the brands you purchase from? In the past, not many people will have asked this question, but things are changing.

Sustainability has become an increasingly crucial factor in purchasing decisions. According to a recent survey by IBM, 60% of consumers are willing to change their shopping habits to reduce environmental impact.

Nearly eight in 10 respondents indicate sustainability is important for them. Of those who say it is very/extremely important, over 70% would pay a premium of 35% more, on average, for brands that are sustainable and environmentally responsible.

Awareness and education have been key to this shift in consumer behavior. People are demanding more transparency from brands they buy from, thanks to the likes of ecolytiq.

In this episode of the new Disruption Talks series, Sustainability in Retail, Jinder Kang, Innovation Consultancy Lead at Netguru, and Gio Giacobbe, CEO at ACBC, talk about whether brands can stay authentic while being sustainable.

Hosted by Nat Chrzanowska.

What does it take to become a great product manager? We asked someone who has been both a product manager and a coach for others, Lisa Mo Wagner.

Lisa has had an impressive career to date and has made it her mission to help others develop their ideas, confidence and skills to move ahead in the product management world.

She joined this episode of Disruption Talks to discuss her career journey up until now, how she got where she is, her tips for others, and what makes a great coach and product manager.

Hosted by Pedro Sousa.

In the booming world of fintech, more and more new finance startups are prioritizing ethics and sustainability.

We have had a few examples on Disruption Talks already, but this time we spoke with the Head of Growth and one of the founding members of insha, Mehmet Burak Dikmen.

insha is a German fintech startup that brands itself as “an account with principles.” It offers an innovative and digital account with a range of financial products in a handy all-in-one solution to help you save and grow your money.

It originally started as a financial solution for Muslims in Germany, but the founders realized that more and more people were looking for ethical and sustainable finance solutions. They expanded their business model and plan to continue doing so across Europe.

Hosted by Filip Sobiecki.

Over the past few years, we’ve seen a rise of freelancers, contractors, gig economy workers, and those who blend both employment and self-employment.

As the future of work adapts quickly, politics and regulations around tax have some catching up to do. Tax is one of the challenges of being a freelancer, and it’s something that Kontist aims to help solve. Kontist is a neo bank and tax advisory solution for freelancers.

In this episode of Disruption Talks, we spoke with the CEO of Kontist, Christopher Plantener, about Kontist, business, freelancing, and much more.

People ignore design that ignores people.

What is the current state of design in the financial world? How to build more inclusive designs/customer experiences?

During this Disruption Talks we’ll try to find answers to these questions together with Shelley Armstrong, VP User Experience & Design at Finastra.

Shelley has over 20 years of experience in building customer experience and user design in the software space. While working as Creative Director at Microsoft, she launched Xbox, Xbox 360 (the 6th highest-selling video game console in history), and Zune. As a Senior Director of Customer Experience & User Interface Design at NCR, she launched their software design organization from the ground up, growing the team to 80 employees across the U.S., U.K., Europe, and India.

Join us to listen about how the finance industry should adapt its design to customer needs.

Hosted by Filip Sobiecki.

All companies, big or small, need some source of capital. This can come from a variety of sources, including its own revenue or public funding through an initial public offering (IPO).

According to all the recent headlines about companies raising huge amounts of money, it looks like the venture capital world is thriving. For example, Trade Republic raised $900 million, Solarisbank recently raised around $180, and Zilch raised around $90 from Goldman Sachs.

At the heart of many early-stage startups is venture capital. Funds like Speedinvest help to raise the seed money they need to get off the ground or expand.

In this episode of Disruption Talks, we invited someone who knows seed-stage investing inside out, Jon Butterfield, Head of Growth at Speedinvest.

Hosted by Filip Sobiecki.

nsurance for digital companies is not exactly new. However, in many ways, there’s a “protection gap” within the digital economy. Web outages, cyber-attacks, and other connectivity issues are some of the biggest threats facing online businesses, especially eCommerce stores.

Recent high-profile outages such as Akamai and Fastly show a harsh reality – that even the global retail giants aren’t safe from connectivity issues. Across the world, this is a multi-billion-dollar issue, so what can we do?

Insurtech firm, Riskwolf is trying to close that billion-dollar gap by providing protection for digital platforms around the world.

In this episode of Disruption Talks, Co-Founder and CTO of Riskwolf, René Alexander Papesch, tells us more about it.

Hosted by Filip Sobiecki.

With 48% of transactions now processed by cards and a massive $149 trillion spent through payment processors each year, online payments are definitely here to stay.

Since the pandemic, online purchases have boomed, and that trend is likely to continue.

Many online payment processors have started up in the past few years, offering convenient ways to make purchases. One such company is Total Processing, an advanced payment processor for businesses, providing bespoke solutions.

In this episode of Disruption Talks, Dally Singh, Chief Product Officer at Total Processing, discusses custom payment solutions, where Total Processing is heading in the future, and much more.

Hosted by Sean O'Connor.

Insurance is rarely anyone’s favorite topic of conversation. Handling it all can be a headache that many of us would rather avoid.

It’s a world that could greatly benefit from simplification – and that’s exactly what companies like Getsafe are promising. Getsafe is a digital insurance company and one of the leaders in the insurtech space.

Getsafe utilizes new technology to create a seamless, app-based experience for purchasing insurance.

In this episode of Disruption Talks, Anthony Mayer, VP of Engineering, and Konrad Heimpel, VP of Product & Data at Getsafe, share the processes, innovation, and benefits behind Getsafe.

Hosted by Filip Sobiecki.

Online food ordering has been a lifeline for many struggling during the pandemic. In 2020 alone, Uber Eats generated $4.8 billion in revenue (https://www.businessofapps.com/data/uber-eats-statistics/), a 152% increase year-on-year.

With demand increasing, this is a double-edged sword for restaurants. Many were forced to offer takeout services, but the costs of this can be eye-watering when using platforms like Uber Eats, DoorDash, or JustEat.

In this episode of Disruption Talks, Bharath Chinamanthur, CTO at ChowNow, discusses the importance of leveling the playing field for smaller restaurants and how ChowNow helps to do this. He shares his backstory and secrets for success, and why he is drawn to companies with a clear mission.

Hosted by Filip Sobiecki.

A smooth and seamless user experience (UX) is essential for banks that rely on mobile devices. One company that prioritizes great UX is N26.

N26 is a German neobank that enables people to manage their bank accounts, track expenses, and set aside money on the go. Like most neobanks, N26 relies heavily on its mobile app, and therefore, a great user experience is a crucial focus for its team.

In this episode of Disruption Talks, we spoke with Jolene Tan-Davidovic, Lead User Researcher, and Emanuel Milicević, Lead Product Designer at N26, to learn more. They share behind-the-scenes details about conducting user research, and using psychology and hard data to create the best data-driven UX design.

Hosted by Agata Rączewska.

In the era of fintech giants, neobanks, and modern payment processors, the buy now pay later (BNPL) model has picked up speed in recent years.

While it has been around for some time now, new startups are joining the industry, aiming to offer the next big thing for customers.

Zilch is one such company that helps customers to buy products online with the option to pay later. However, Zilch wants to offer something different to other names in the industry.

In this Disruption Talks interview, we speak with Philip Belamant, CEO and Founder of Zilch, to learn more about why this solution is different. Philip takes us through some of the ways Zilch challenges the buy now pay later model and what the future holds for this space.

Hosted by Filip Sobiecki.

What does it take to fight financial crimes like fraud and money laundering?

In many cases, these are crimes that are not reported to the police. They often go by unnoticed. This makes them harder to detect in the first place and even harder to investigate.

However, companies like ComplyAdvantage are here to save the day. ComplyAdvantage is a team of people dedicated to fighting financial crimes with modern technology.

Arshi Singh, Head of US Product at ComplyAdvantage, joined Disruption Talks to discuss her role and ComplyAdvantage’s role in fighting financial crime.

Hosted by Filip Sobiecki.

We’ve heard the phrase “new normal” a lot over the past year. The new normal for many now is working from home and hiring remotely.

While this has been a challenge for some, an unexpected benefit from hiring remotely has been greater access to a pool of talent that wasn’t accessible before. It means that companies who could only hire in their local area can now do so internationally. They can pick the very best, not just the very best available in the local area.

However, there is a problem. Hiring internationally is not an easy thing to do. There are numerous legal and financial hoops to jump through. That’s where a company called Deel comes in. Deel is a global payroll solution that takes away the stress and hassle of hiring internationally.

In this Disruption Talks live stream, we spoke with Dan Westgarth, Chief Operating Officer of Deel. He takes us through how Deel works, the key challenges of hiring in different countries, and what it could mean for the future of work.

Hosted by Filip Sobiecki.

Modern banking has come a long way in many areas, but one way it falls behind is racial discrimination.

In this Disruption Talks live stream, we speak with Asya Bradley, Founder & COO of First Boulevard, a neobank built for Black America. Asya has seen how prevalent the barriers to entry can be for simple financial services in the Black community.

Seeing that discrimination, she’s been on a mission to launch a bank that takes those barriers away and levels the playing field for Black Americans. In this interview, Asya talks about banking, diversity, racism, and creating equal opportunities.

Where do the lines blur between art and technology?

Technology has allowed for much broader access to art. It’s also given a platform for many artists to share their work. Historically, it would have been much more difficult to distribute your art, but in the age of YouTube and social media, we have more access to art than ever.

In this Disruption Talks episode, we speak with someone who understands this concept better than most, Harry Yeff, Artist in Residence E.A.T at Nokia Bell Labs. Harry discusses the role of art in society and how technology is key to understanding ourselves.

He describes his fascinating work with voice gems – a visual representation of voice, and how his installations have helped people understand the power of their own voices.

Hosted by Filip Sobiecki.

How can businesses become more sustainable?

Rather than adding solutions on top of problems, organizations like Project X Global work from the ground up by providing solutions at every step in a value chain.

Project X Global is a WWF-founded corporate accelerator that helps organizations adopt sustainable innovations throughout their supply chain.

In this Disruption Talks episode, we spoke with Frederic Hoffmann, Chief Development Officer at Project X Global, about how they approach sustainability.

Hosted by Filip Sobiecki.

Expense Accounts - Trust, but Verify?

Join our next Disruption Talks to listen to the interview with Sara Brooks, VP of Sales at Pleo.

How to shift the retail landscape? Join our next Disruption Talks with Nick Patrick, Co-Founder and CEO at Radar.

Hosted by Filip Sobiecki.

In some ways, the insurance industry is in the business of trying to predict the future. Insurance firms don’t have a crystal ball, but there are different ways to predict risk to determine your premiums.

As technology develops, insurance companies are finding new and inventive ways to predict behavior to calculate premiums. Already, insurance companies do this with car insurance. You can install a device that tracks how safely you drive, but some firms take this even further.

In this episode of Disruption Talks, Sergi Baños Lara, CTO at wefox, joins to discuss the growing insurtech landscape and how innovative insurance technology has become.

Hosted by Filip Sobiecki.

What is the key to business growth as a tech entrepreneur? Is it the tools and resources you have at your fingertips? Partly, but it’s also about the community you surround yourself with.

Traditional business networking hasn’t exactly gone out of style, but it has changed. Although it’s been tougher during the pandemic, the remote working world now has an opportunity to connect more easily with people around the world.

Level39 is a tech hub that connects entrepreneurs worldwide to support them and help them grow. Amy French, Head at Level39, joined this episode of Disruption Talks to share more about it.

Amy leads ecosystem and portfolio development for Level39 and is responsible for the delivery of end-to-end commercial and community strategies centered on supporting early-stage, middle-stage and scaleup technology companies.

Hosted by Filip Sobiecki.

In some ways, we’re seeing more and more businesses turning into fintech companies.

We’ve seen companies like Stripe raising huge amounts of capital and new fintech companies popping up everywhere you turn.

One thing is clear. Fintech will continue to be the future of financial services.

Something that’s making this possible is banking as a service. We’ve all heard by now about software as a service (SaaS). Perhaps even anything as a service (XaaS), but what about BaaS?

In this episode of Disruption Talks, we spoke with Florian Redeker, VP of Product at Solarisbank. Florian shares his insights into the world of BaaS. He discusses where fintech is heading and how Solarisbank is leading the way in banking as a service.

Hosted by Filip Sobiecki.

What are predicted changes in the entertainment industry for the next 10 years?
Join us to listen to the talk with Thierry Bezier-Membrey, Co-Founder of EveryOne.

Hosted by Filip Sobiecki.

In today’s world, many of us will use countless mobile apps every day. We tap an app for banking, social media, games, or messaging tools without a second thought.

With Super Apps rising in popularity, does this mean we will start to see the need for dozens of different apps reduce?

Join us as we speak with Fardad Zand, Head of Platform Strategy and Careem Incubator, about the rise of Super Apps. We speak about what Super Apps are, where they seem to be most popular, and what the future looks like for the average smartphone app.

We also discuss Careem, the popular ride-hailing turned internet platform in the Middle East, which Uber acquired in 2020. Fardad explains what this partnership has meant for the region and how Careem is expanding into new markets.

Hosted by Filip Sobiecki.

What are the ingredients of innovation in the banking industry? Listen to the talk with Robin Lantz and Marcus Johansson, Senior Designers at Klarna.

Hosted by Daria Michalska.

How can technology help to save the rainforests? Listen to the talk with Richard Porteus, CEO at One Tribe Global.

Hosted by Filip Sobiecki.

By now, many of us are aware of how our everyday purchases can affect the planet, but what about our choice of bank account? Should we make an effort to choose more sustainable banking options?

Join us as we speak to Inas Nureldin, Founder of the sustainable bank, Tomorrow, about the growing need for sustainable banking options, what true sustainability looks like and how Tomorrow creates sustainable investment options for customers.

We also discuss whether traditional banks are doing enough to create positive change and why banks should get out of their comfort zone.

Hosted by Filip Sobiecki.

The automotive industry is at the dawn of a new era. With traditional ideas about how we drive and own cars changing, the industry has been forced to start evolving and become more digital. However, this isn’t the only challenge it’s facing.

The European Union aims to be carbon neutral by 2050. In the EU, the car industry is the largest private investor in research and development, but there’s still huge pressure on car manufacturers to innovate – quickly.

To find out more about how the industry is approaching these innovation challenges, we spoke to Sebastian Grams, former Chief Information Officer (CIO) at SEAT.

The Spanish car manufacturer has been acknowledged as a leader in digital transformation, particularly through their software and digitalization brand, SEAT:CODE, which aims to “disrupt the SEAT future”.

Listen in as we discuss the importance of digital innovation in the car industry, how SEAT’s young demographic is helping drive change, and how the company is evolving to navigate future challenges.

Hosted by Andrzej Szymczak.

What are the biggest mental health challenges today? How can we overcome them with technology?

Listen to the talk with Anneli Bartholdy, CEO and Founder at Simply Broken.

Hosted by Filip Sobiecki.

How to build an innovative tech team from scratch? How to make it ready to scale under hyper-fast growth? Listen to the talk with Enrico Foschi, Director of Engineering for Seller, Buyer, Growth at OLX.

Hosted by Filip Sobiecki.

What are the key real estate challenges in the next five years? Where's the biggest space for proptech innovation? Let's ask Adi Pavlović, ex-Director of Innovation at Keller Williams Realty, Inc.

Hosted by Kamil Roginski.

How does the bank of the future look like?

Join our live stream with Jan Schütz, Senior Innovation Manager at finstreet to find out.

Got questions for our guest? Leave them in comments during the livestream so we can include them into our discussion.

Hosted by Konrad Jarocinski.

How to reduce the amount of time and effort your company spends on programming student debt repayment? What are the options in the student financial services market?

Listen to inspiring talk about student loan app with Deirdre Clute, Co-founder, and COO at Rightfoot, the “Stripe of Student debt Payment.”

Hosted by Filip Sobiecki.

The travel industry is undoubtedly the sector most affected by the coronavirus. How the world travel market has changed because of the pandemic? What does traveling during covid-19 look like?

Listen to the interesting talk about travel industry trends with Thomas Young, CEO at Taptrip.

Hosted by Filip Sobiecki.

How Covid-19 impacted philanthropy? Did fundraising ideas change because of the pandemic? What does virtual fundraising look like right now?

Listen to the talk about fundraising technology with Sebastien Heimann, ex-Head of Traffic Monetization at official.fm, CEO & Founder of HEROE5.

Hosted by Filip Sobiecki.

How has the coronavirus affected finance technology? Is it possible to create innovative financial services during a pandemic?

Listen to the talk about financial innovation with Akshay Chopra, VP, Head of Innovation & Product Design, CEMEA at Visa.

Hosted by Filip Sobiecki.

What is 3D holography? How does a holographic display actually work?

Listen to an inspiring talk about hologram technology with Aleksandra M. Pedraszewska, Co-Founder & COO at VividQ, a deep tech software company that delivers "the world’s first software framework for real-time holographic 3D display."

Hosted by Filip Sobiecki.

What education looks like during a pandemic? How has coronavirus changed the way universities and colleges work?

Shan Chopra, Chief Community Partner at TC Global joins our Disruption Talks episode to walk us through this topic.

Hosted by Filip Sobiecki.

What is digital activism? How technology influences our society? How can we make a social change through technology?

Listen to inspiring talk with Esra’a Al Shafei, Founder of Mideast Tunes and Majal, platforms that amplify under-reported and marginalized voices in the Middle East and North Africa.

Hosted by Filip Sobiecki.