Episode 11

FinTech in 2030! Mastering Product Innovation for the Metaverse & Alpha Generation” | Pawel Stezycki, Senior Fintech & Banking Consultant at Netguru

My guest today is Pawel Stezycki, Senior Fintech & Banking Consultant at Netguru. We talk about the future of FinTech in 2030! We first set context on the how to go about thinking about the future

We discuss how to go about finding underserved needs. We then go deep into what he sees as the top 3 opportunities:

  • Banking in Middle East and Africa
  • SME Banking
  • And the Alpha Generation! Yes the teenagers of today are the customers of tomorrow...

But guess what a seamless banking app will not be enough for them

The big bet is they will hang out it the metaverse, but

It's a new place to hangout... and as such, payments and money movements will play a big part

We then finish with how to create differentiated propositions, and a different approach to solving diversity issues!

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Let’s dive into it!

👉 You can find Pawel here

👉 And you can find Monica here:


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In this episode we cover:


(0:00:00) Intro to the future of FinTech

(0:05:58) How to build an industry with more impact

(0:07:47) Pavel's background in research and product design

(0:10:46) How to identify future trends and opportunities

(0:16:57) Underserved needs in the Middle East and Africa

(0:21:12) The potential impact of the Metaverse on banking and finance

(0:26:46) The economy within the Metaverse and potential services

(0:29:34) Finding a competitive advantage in product development

(0:31:35) Creating a culture of innovation and diversity in organizations



Production and marketing by Monica Millares. For inquiries about collabs, sponsoring the podcast or creating or editing your podcast email fintechwithmoni@gmail.com


Disclaimer: This episode does not constitute professional nor financial advice and does not represent the opinion nor views of my current, past or future employers. The guest has agreed to record and release our conversation for the use of this podcast and promotion in social media.

About the Podcast

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About your host

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Monica Millares

Monica advocates for financial safety for all. She is the Product Principal at BigPay, where she leads Product and Design. As part of the founding team, Monica led building BigPay’s product from zero to one, to multi product line, and international expansion. Her leadership shaped the culture and ways of working to grow from startup to scaleup. BigPay has over 1.4 million customers, and has presence in Malaysia, Singapore and Thailand.

Monica has almost 20 years’ experience in Financial Services. Prior to BigPay, she was one of the first joiners in UK’s challenger Tandem Bank, where she focused on building credit cards from scratch. Previously she worked in leading Financial Services brands like Visa, Barclays, and a Mexican Development Bank.

She sits on the Board of PayEd, and is recognised as Singapore’s #Fintech65 Product Leaders and Women in FinTech. She’s been multiple times speaker at the prestigious conference Money2020 and shared stage with JP Morgan, Standard Chartered Bank, Konsentus, and Money2020’s Rise Up. Her commitment to innovation and financial inclusion resonates in her podcast “Purpose Driven FinTech” where she explores how FinTech’s can have 10x more impact.

Monica has a background in Engineering and a Master’s Degree on Analysis, Design, and Management of Information Systems from the London School of Economics.