3525: iBanFirst and the Shift Toward Specialist Fintechs for Global Payments

What does it really mean to support developers in a world where the tools are getting smarter, the expectations are higher, and the human side of technology is easier to forget? In this episode of Tech Talks Daily, I sit down with Frédéric Harper, Senior Developer Relations Manager at TinyMCE, for a thoughtful conversation about what it takes to serve developer communities with credibility, empathy, and long-term intent. With more than twenty years in the tech industry, Fred's career spans hands-on web development, open source advocacy, and senior DevRel roles at companies including Microsoft, Mozilla, Fitbit, and npm. That journey gives him a rare perspective on how developer needs have evolved, and where companies still get it wrong. We explore how starting out as a full-time developer shaped Fred's approach to advocacy, grounding his work in real-world frustration rather than abstract messaging. He reflects on earning trust during challenging periods, including advocating for open source during an era when some communities viewed large tech companies with deep skepticism. Along the way, Fred shares how studying Buddhist philosophy has influenced how he shows up for developers today, helping him keep ego in check and focus on service rather than status. The conversation also lifts the curtain on rich text editing, a capability most users take for granted but one that hides deep technical complexity. Fred explains why building a modern editing experience involves far more than formatting text, touching on collaboration, accessibility, security, and the growing expectations around AI-assisted workflows. It is a reminder that some of the most familiar parts of the web are also among the hardest to build well. We then turn to developer relations itself, a role that is often misunderstood or measured through the wrong lens. Fred shares why DevRel should never be treated as a short-term sales function, how trust and community take time, and why authenticity matters more than volume. From open source responsibility to personal branding for developers, including lessons from his book published with Apress, Fred offers grounded advice on visibility, communication, and staying human in an increasingly automated industry. As the episode closes, we reflect on burnout, boundaries, and inclusion, and why healthier communities lead to better products. For anyone building developer tools, managing technical communities, or trying to grow a career without losing themselves in the process, this conversation leaves a simple question hanging in the air: how do we build technology that supports people without forgetting the people behind the code? Useful Links Connect with Frédéric Harper Learn More About TinyMCE Tech Talks Daily is sponsored by Denodo

What does it really take to build a fintech company that quietly fixes one of the most frustrating problems SMEs face every day? In this episode of Tech Talks Daily, I'm joined by Pierre-Antoine Dusoulier, the Founder and CEO of iBanFirst, for a candid conversation about entrepreneurship, timing, and why cross-border payments have remained broken for so long.  Pierre-Antoine's story begins in London, where his early career as an FX trader felt like a compromise at the time, yet quietly gave him a front-row seat to inefficiencies most people accepted as normal. That experience would later shape two companies and a very clear point of view on how money should move across borders. Pierre-Antoine walks through his first venture, Combeast.com, one of France's earliest FX brokerages for retail investors, and what he learned from selling it to Saxo Bank and staying on to run Western European operations. That chapter matters, because it exposed the gap between how sophisticated FX markets really are and how poorly SMEs are served when FX and payments are bundled together inside traditional banks. Out of that frustration, IbanFirst was born in 2016 with a simple idea: treat cross-border payments as a specialist discipline, not a side feature. Today, IbanFirst serves more than 10,000 clients across Europe and processes over €2 billion in transactions every month. We dig into why growth has continued while many fintechs have slowed, from a product designed to be used daily, to proactive sales, to a new generation of CFOs and CEOs who expect the same clarity and speed at work that they get from consumer fintech tools.  Pierre-Antoine explains how real-time FX rates, payment tracking using SWIFT GPI, and multi-entity account management change the day-to-day reality for SMEs trading internationally. We also talk about Brexit, and how being rooted in continental Europe created an unexpected opening. Pierre-Antoine shares why expanding into the UK, including the acquisition of Cornhill, made sense, and why London's payments ecosystem still stands apart in scale and depth. Along the way, he is refreshingly open about the heavy investment required in compliance, trust, and regulation, and why nearly a third of IbanFirst's team focuses on operations and oversight. Looking ahead, Pierre-Antoine lays out a bold vision for the SME payments market, predicting a future where specialists replace banks in much the same way fintech reshaped consumer money transfers. As cross-border trade grows and currency volatility becomes a daily concern, his perspective raises an interesting question for anyone running an international business today:  if specialists already exist, why keep relying on systems that were never designed for how SMEs actually operate? Useful Links: Connect with Pierre-Antoine Dusoulier Learn more about iBanFirst, Tech Talks Daily is sponsored by Denodo

What happens when artificial intelligence moves faster than our ability to understand, verify, and trust it? In this episode of Tech Talks Daily, I sit down with Alexander Feick from eSentire, a cybersecurity veteran who has spent more than a decade working at the intersection of complex systems, risk, and emerging technology. Alex leads eSentire Labs, where his team explores how new technologies can be secured before they quietly become load-bearing parts of modern business infrastructure. Our conversation centers on a timely and uncomfortable reality. AI is being embedded into workflows, products, and decision-making systems at a pace most organizations are not prepared for. Alex explains why many AI failures are not caused by malicious models or dramatic breaches, but by broken ownership, invisible dependencies, and a lack of ongoing verification. These are not technical glitches. They are organizational blind spots that quietly compound risk over time. We also explore the ideas behind Alex's recently published book on trust and AI, which he made freely available due to the speed at which real-world AI failures were already overtaking theory. From prompt injection and model drift to the dangers of treating non-deterministic systems as if they were predictable software, Alex shares why generative AI requires a fundamentally different security mindset. He draws a clear distinction between chatbot AI and embedded AI, and explains the moment where trust quietly shifts away from humans and into systems that cannot take accountability. The discussion goes deeper into what trust actually means in an AI-driven organization. Alex argues that trust must be earned, measured, and monitored continuously, not assumed after a successful pilot. Verification becomes the real work, not generation, and leaders who fail to recognize that shift risk scaling errors faster than they can contain them. We also talk about why he turned his book into an AI advisor, what that experiment revealed about the limits of models, and why human responsibility cannot be automated away. This is a grounded, practical conversation for leaders, technologists, and anyone deploying AI inside real organizations. If AI is becoming part of how decisions get made where you work, how confident are you that someone truly owns the outcome? Useful Links Connect with Alexander Feick Learn more about eSentire Tech Talks Daily is sponsored by Denodo

How much value do your developers actually get to deliver in a typical week, and how much of their time is quietly lost to meetings, context hunting, and process drag? I'm joined by Phil Heijkoop, Global Practice Head of Developer Experience at Valiantys, for a conversation that cuts through the hype surrounding AI and asks a harder question about why so many engineering teams still struggle to see meaningful returns.  Phil argues that most organizations are only unlocking a small fraction of a developer's true contribution, not because of a lack of talent, but because process drag slowly squeezes out deep, focused work. AI, he explains, does not fix this by default. Without the right foundations in place, it simply accelerates the wrong work at scale. We explore the long shadow cast by the "move fast and break things" mindset and why that philosophy becomes risky inside regulated, enterprise environments where resilience and trust matter more than speed alone. Phil shares what he sees when organizations chase shiny new tooling while ignoring technical debt, unclear standards, and fragile workflows.  From protecting uninterrupted time for deep work to automating manual friction points and setting shared guardrails, he outlines how teams can realistically unlock three to five times more output before AI even enters the picture. Only then, he says, does AI act as a multiplier rather than a source of chaos. The conversation also digs into developer experience as a business lever, not a perk, and why leadership clarity, cultural trust, and consistent standards matter as much as tooling choices. We discuss the growing risks in the software supply chain, the sustainability of open source dependencies, and what recent high-profile retirements signal for enterprise teams that depend on them.  If AI is accelerating your organization in the wrong direction, what foundational changes would you need to make today to ensure it amplifies value instead of friction, and how honest are you willing to be about what is really slowing your teams down? Useful Links Connect with Phil on LinkedIn Learn more about Phil's work Valiantys Website Tech Talks Daily is sponsored by Denodo  

*]:pointer-events-auto [content-visibility:auto] supports-[content-visibility:auto]:[contain-intrinsic-size:auto_100lvh] scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]" dir="auto" tabindex="-1" data-turn-id= "def199fe-2658-438c-b89a-9cbf28ae44e7" data-testid= "conversation-turn-2" data-scroll-anchor="true" data-turn= "assistant"> What happens when the future of money stops being about speculation and starts being about people, ownership, and agency? In this episode of Tech Talks Daily, I'm joined by Dr. Friederike Ernst, co-founder of Gnosis, to unpack a conversation that goes far beyond crypto price cycles or technical hype. This is a thoughtful discussion about where blockchain is heading and, just as importantly, where it could go wrong if we are not paying attention. Friederike has spent more than a decade building foundational infrastructure for the Ethereum ecosystem, from smart wallets to decentralized exchanges and blockchain networks that quietly power large parts of Web3. But as she explains, the industry is now standing at a fork in the road. One path leads to blockchain becoming a silent backend upgrade for banks and incumbents, improving efficiency while keeping power centralized. The other path is far more ambitious, using blockchain to return ownership, control, and financial agency to everyday people. We talk about why financial infrastructure, despite working reasonably well for many of us in Europe, remains deeply inefficient, expensive, and exclusionary at a global level.  A major theme of this episode is usability. Friederike is clear that technology only matters if it improves real lives. She explains why early blockchain products asked too much of users and how that is now changing, with experiences that feel as simple as using a neobank or debit card while preserving true ownership under the hood. The goal is not to make everyone a crypto expert, but to make financial tools that work seamlessly while remaining genuinely user-owned. We also explore the darker possibilities. Like any powerful technology, blockchain can be used to empower or to control. Friederike does not shy away from the risks of surveillance, social scoring, and misuse, and she argues that the real battle ahead is cultural, not technical. Values like privacy, free expression, and personal agency need to be defended openly, or the technology will be shaped without public consent. As we look toward 2026, this conversation offers a refreshing reminder that the future of money is still being written. The question is whether it will be owned by communities or quietly absorbed by the same institutions we already rely on. After listening to this episode, where do you think that future should land, and what choices are you willing to make to influence it? Useful Links Connect With Dr. Friederike Ernst Learn More about Gnosis Tech Talks Daily is sponsored by Denodo      

In this episode of Tech Talks Daily, I'm joined by Stuart Thompson, President of ABB's Electrification Service Division, to explore the intersection of industrial sustainability, energy security, and cutting-edge technology.   As industries face growing energy demands and climate targets, Stuart explains how companies can modernize their infrastructure to drive efficiency, reduce carbon footprints, and stay ahead of the energy curve.   Navigating the Industrial Sustainability Challenge   We start by addressing the urgent need for industries to rethink their energy and carbon strategies. Stuart highlights the significant role of construction and manufacturing in global energy-related emissions, stressing that many businesses are still behind on their 2030 sustainability targets.   We dive into the emerging shift from capital expenditure (CapEx) to operational expenditure (OpEx) models, such as predictive maintenance, to maximize value from existing assets.   Asset Modernization   Stuart explains how asset modernization—upgrading intelligent components like switchgear within existing infrastructure—can dramatically improve efficiency and reduce carbon without the need for costly, full-scale replacements.   He also shares examples, including Intel's semiconductor upgrades and Jadal Steel's success in Oman, demonstrating how targeted upgrades can meet sustainability goals while boosting productivity.   Smarter Energy Management with AI and AR   We explore how AI and augmented reality (AR) are transforming service delivery and operational intelligence. Stuart discusses how AI-powered predictive maintenance helps companies anticipate failures and optimize energy management, while AR facilitates remote assistance for faster issue resolution.   He also touches on how these technologies contribute to energy savings and carbon reduction by automating service reports and enabling real-time visibility into asset performance.   BESS as a Service: Solving the Energy Security Trilemma One of the key innovations Stuart highlights is ABB's Battery Energy Storage as a Service (BESSaaS), a solution designed to solve the "energy trilemma" of security, cost, and sustainability.   With on-site battery storage and AI-driven energy trading, businesses can bypass slow grid connections, ensure energy security, and even turn their energy storage into a profit center. This model is already making waves in industries ranging from data centers to manufacturing.   A Glimpse into the Future: ABB's Investment in Asset Management Tech   As we look to the future, Stuart reveals ABB's upcoming investment in asset management technology, set to be announced globally in early December 2025. This exciting move will have a significant impact on major customers like the London Underground and Saudi Electric Commission, further cementing ABB's role as a leader in energy innovation.   Don't miss this episode, where we discuss the latest trends in industrial sustainability, energy security, and technology's pivotal role in shaping a greener, more efficient future.   Useful Links Connect with Stuart on Linkedin Learn more about ABB Tech Talks Daily is sponsored by Denodo

Are we finally treating water risk like a board-level issue, rather than a line item that only shows up when something breaks?   In this episode, I'm joined by Emilio Tenuta, SVP and Chief Sustainability Officer at Ecolab, to unpack why water has become a strategic variable for business, right alongside energy and carbon. Ecolab works with customers across more than 40 industries in more than 170 countries, so Emilio has a front row seat to how quickly the conversation is changing.   Why water risk feels different in 2025 One of the most useful parts of this conversation is how Emilio frames water as "hyperlocal." A company can publish a global target, but the real pressure shows up basin by basin, site by site, community by community.   We also discuss the misconception that water is primarily an operational concern. The knock-on effects show up in uptime, expansion plans, permitting, reputation, and the social license to operate.   Emilio points to disclosure data that puts real money behind the issue. CDP has estimated water-related supply chain risks at $77 billion across responding companies, which helps explain why boards are paying closer attention.   Where AI meets water and energy   AI is a catalyst in two directions at once. It can help organizations measure, predict, and reduce waste, but it also drives demand for more data centers, more power, and more cooling.   We examine the tension many people are whispering about: building digital capacity in places already facing water stress. Emilio's view is pragmatic: the answer is responsible innovation, coupled with transparency on how water is used and how impacts are managed.   That takes us into Ecolab's push toward digital visibility and real-time control, because you cannot improve what you cannot see.   From "site to chip" cooling and smarter stewardship   Emilio shares that Ecolab's 3D TRASAR Technology for direct-to-chip liquid cooling is designed to protect high-performance servers by monitoring coolant health indicators in real time and translating that data into actionable steps for operators.   We also discuss what happens when AI is applied to the water side of the data center equation. Ecolab and Digital Realty have described a pilot across 35 US data centers to reduce water use by up to 15% and avoid up to 126 million gallons of potable water withdrawn annually.   To round things out, we discuss circularity as a business strategy, the role of collaboration through efforts like the Water Resilience Coalition, and why Ecolab's Watermark Study is worth reading if you want a pulse check on water stewardship and public sentiment.   So after listening, where do you land on the big question: is AI going to become a stress test for local water systems, or a tool that finally helps us run them better, and why? Useful Links:  Connect with Emilio Tenuta Learn more Ecolab Follow Ecolab on Linkedin Tech Talks Daily is sponsored by Denodo

How do you move faster with AI and cloud innovation without losing control of security along the way?   Recorded live from the show floor at AWS re:Invent in Las Vegas, this episode of Tech Talks Daily features a timely conversation with Kimberly Dickson, Worldwide Go-To-Market Lead for AWS Detection and Response Services. As organizations race to adopt agentic AI, modernize applications, and manage sprawling cloud environments, Kimberly offers a grounded look at why security must still sit at the center of every decision.   Kimberly explains how her role bridges two worlds at AWS. On one side are customers dealing with prioritization fatigue, fragmented security signals, and growing pressure to do more with fewer resources. On the other hand, there are the internal service teams building products like Amazon GuardDuty, Amazon Inspector, and AWS Security Hub. Her job is to connect those realities, shaping services based on what customers actually struggle with day to day. That perspective sets the tone for a conversation focused less on hype and more on practical outcomes.   We unpack how AWS thinks about security culture at scale, from infrastructure and encryption through to threat intelligence gathered across Amazon's global footprint. Kimberly shares how AWS uses large-scale honeypots to observe attacker behavior in real time, feeding that intelligence back into detection services while also working with governments and industry partners to take down active threats. It is a reminder that cloud security is no longer just about protecting individual workloads, but about contributing to a safer internet overall.   The conversation also dives into new announcements from re:Invent, including the launch of AWS Security Hub, extended threat detection for EC2 and EKS, and the emergence of security-focused AI agents. Kimberly explains how these tools shift security teams away from manual investigation and toward faster, higher-confidence decisions by correlating risks across vulnerabilities, identity, network exposure, and sensitive data. The goal is clear visibility, clearer priorities, and remediation that fits naturally into existing workflows.   We also explore how AWS approaches security in multi-cloud and hybrid environments, why foundational design principles still matter in an AI-driven world, and how open standards are helping normalize security data across vendors. Kimberly's reflections on re:Invent itself bring a human close to the episode, highlighting the pride and responsibility felt by teams building systems that millions of organizations depend on.   As AI adoption accelerates and security teams are asked to keep pace without slowing innovation, what would it take for your organization to move faster while still trusting the foundations you are building on?

In this episode of Tech Talks Daily, I sit down with Yuyu Zhang to unpack a shift that many developers can feel but struggle to articulate. Yuyu's journey spans academic research at Georgia Tech, building recommendation systems that power TikTok and Douyin at global scale, and leading the Seed-Coder project at ByteDance, which reached state-of-the-art performance among open source code models earlier this year. Today, he is part of Codeck, where the focus has moved beyond AI assistance toward autonomous coding agents that can plan, execute, and verify real engineering work. Our conversation begins with a simple but revealing observation. Most AI coding tools still behave like smarter autocomplete. They help you type faster, but they do not own the work. Yuyu explains why that distinction matters, especially for teams dealing with complex systems, tight deadlines, and constant interruptions. Autonomy, in his view, is not about replacing engineers. It is about giving them back their flow. We explore Verdent, Codeck's autonomous coding agent, and Verdent Deck, the desktop environment designed to coordinate multiple agents in parallel. Instead of one AI reacting line by line inside an editor, these agents operate at the task level. They plan work with the developer upfront, execute independently in safe environments, and validate their output before handing anything back. The result feels less like using a tool and more like managing a small engineering team. Yuyu shares how parallel agents change both speed and predictability. One agent can implement a feature, another can write tests, and another can investigate logs, all without stepping on each other. Just as important, he walks through the safeguards that keep humans in control. Explicit planning, permission boundaries, sandboxed execution, and clear, reviewable diffs are all designed to address the very real concerns engineering leaders have about letting autonomous systems near production code. The discussion also turns personal. Having worked on some of the highest-scale systems in the world, Yuyu reflects on why developers lose momentum. It is rarely about raw ability. It is about constant context switching. His goal with Verdent is to preserve mental focus by offloading interruptions and letting engineers return to work with clarity rather than cognitive fatigue. We close by looking ahead. The definition of a "good developer" is changing, just as it has many times before. AI is not ending programming. It is reshaping it, pushing human creativity, judgment, and design thinking to the foreground while machines handle the repetitive churn. If autonomous coding agents are becoming colleagues rather than helpers, how comfortable are you with that future, and what would you want to stay firmly in human hands?

How do you capture every moment of a golf tournament spread across hundreds of acres, tens of thousands of shots, and dozens of players competing at the same time? That question sits at the heart of this conversation recorded at AWS re:Invent, where I sat down with Eric Hansen, VP of Product at the PGA Tour, and Elaine Chiasson, who leads the global golf team at AWS, to unpack how data and AI are reshaping the way fans experience the game. Eric explains why modern professional golf has more in common with Formula 1 than most people realize. Every ball struck, every position on the leaderboard, and every shift in momentum generates data that needs to be processed instantly. With more than thirty thousand shots across a single tournament and only a fraction of them shown on traditional broadcasts, the PGA Tour faces a constant challenge. How do you give fans context, insight, and a sense of presence when most of the action is never seen on screen? Elaine shares how AWS has helped the Tour build the foundation to answer that question. From migrating decades of video and shot data into the cloud to applying generative AI for automated commentary, language translation, and real time insights, this partnership goes far beyond infrastructure. Together, they are experimenting with automated camera switching, AI driven production workflows, and personalized fan experiences that surface the right information at the right moment, whether you are following the leaderboard or a single favorite player. The conversation also digs into trust and accuracy. Eric walks through how the PGA Tour validates AI generated commentary to ensure it stays aligned with the sport's standards, while Elaine highlights why operational discipline and governance matter just as much as innovation. They explore what hyper personalization looks like inside the PGA Tour app, how global broadcasts could evolve, and why the long term opportunity lies in making every shot matter for every fan. As live sports move toward a future shaped by data, automation, and AI agents working behind the scenes, this episode offers a clear look at what that transformation really involves. So as golf continues to blend tradition with technology, what kind of fan experience do you want to see next, and how comfortable are you with AI calling the shots? Useful Links Connect with Eric Hansen, VP of Product at the PGA Tour. Connect with Elaine Chiasson Learn more about AWS and PGA Tour Tech Talks Daily is sponsored by Denodo