In the April 2025 episode of Breaking Banks Europe, host Elizabeth Kleinveld is joined by guests Amine Berraoui (Founder & CEO of E10 Capital) and Guy Stiebel (a.k.a. the “Fintech Plumber”) for a deep dive into the latest fintech developments. The discussion opens with European banks’ cautious expansion into the U.S. market, citing high regulatory barriers and cultural challenges. They examine crypto regulation divergences—Europe’s restrictive MiCA framework, the U.S.’s bank-favoring Genius Act, and Singapore’s balanced partnership model. The trio also reflects on the crypto space’s integration into traditional finance, challenging its original decentralized ideals. Shifting to AI, they highlight massive VC interest, with $120B raised globally in Q1. AI’s biggest fintech impact? Risk modeling, customer automation, and product delivery speed. Stiebel suggests AI could divide fintech into consumer-facing and enterprise software sectors, while Berraoui emphasizes the need for infrastructure investment in emerging markets. The episode closes with calls for more patient capital and smarter funding models.

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