Common Ground | Building Influence in a Borderless FinTech World In this episode, Lakshmi Kaul, Contributing Editor, is in conversation with Payal Raina, Founder of the Fin.Tech Marketing Community, on the changing landscape of global fintech, digital finance, and the future of financial storytelling in an increasingly borderless world.
As fintech continues to reshape economies and consumer behaviour, this conversation explores the intersection of innovation, branding, trust, and technology and asks whether the industry is truly building better financial systems or simply better narratives.
Payal Raina shares insights from her experience building a fintech marketing platform across the UK, India, and North America, offering a unique perspective on how different societies relate to money, digital payments, financial trust, and innovation. The discussion also examines London’s reputation as a global fintech hub, India’s rise as a leader in digital payments, and the emerging markets that could shape the next era of fintech growth.
The interview further delves into the growing role of AI in fintech marketing, the challenges of scaling globally, the difference between product and perception in financial technology, and why traditional financial marketing no longer works in today’s rapidly evolving digital ecosystem.
Payal also reflects on identity, leadership, entrepreneurship, and what it means to build globally while navigating multiple cultures and markets.
In this interview -
• The future of fintech and AI adoption
• India’s digital payments revolution
• London’s position as a global fintech hub
• Product vs perception in fintech
• The next emerging fintech markets
• Building global fintech brands
• Consumer behaviour across the UK, India, and North America
• Leadership, entrepreneurship, and cross-cultural identity
• The UK–India fintech corridor and future opportunities
Chapters -
0:00-0:44 Opening
0:51-2:17 Introduction to FinTech
2:34-3:10 FinTech: Innovation or Just Better Marketing?
3:19-4:03 The Biggest Mistake FinTech Companies Make Going Global
4:15-5:24 What Matters More in FinTech - The Product or the Story?
5:44-7:19 Inside London’s FinTech Influence
7:53-10:07 What Money Means Across the UK, India, and North America
10:14-11:26 The Next Emerging FinTech Markets
11:40-13:30 How AI Is Changing the Future of FinTech Marketing
14:37-16:54 Has India Outpaced the West in Digital Payments?
17:10-18:18 What Would a UK–India FinTech Success Story Look Like?
18:46-23:36 The Gap That Inspired a FinTech Marketing Platform
24:07-27:14 The Moment FinTech Outgrew Traditional Marketing
27:34-29:08 Seeing Finance Through Three Different Cultures
29:25-30:19 The Next Big Shift in FinTech That Nobody’s Talking About
30:32-32:06 The Rapid Fire Round
32:08-32:34 Closing
#Fintech #AI #DigitalPayments #IndiaUK #London #Finance #FinancialTechnology #FinTechMarketing #Innovation #Business #Leadership #India #UK #Podcast #Technology
