In this episode of the London Fintech Podcast, Tony Clark sits down with Sandy Kaul, Executive Vice President & Head of Innovation at Franklin Templeton, to explore how tokenisation, smart contracts, and wallet-based ecosystems are set to redefine the future of finance.

Sandy shares her extensive background at the intersection of finance and technology, explaining how the industry is moving from traditional account-based systems to decentralised, wallet-driven models. They dive into the transformative power of tokenisation for equities, bonds, and other financial instruments, as well as the potential of smart contracts to automate and streamline transactions.

The conversation also unpacks the regulatory landscape, the growing mainstream adoption of digital assets, and why investment firms must act now to adapt. From tokenised funds to personalised portfolio benefits, Sandy outlines a vision of finance that is more accessible, flexible, and innovative than ever before.

Topics covered:

• The shift from account-based to wallet-based systems

• Why tokenisation will revolutionise traditional finance

• Smart contracts and the automation of financial markets

• How decentralised finance can democratise investment access

• Institutional adoption of digital assets

• The regulatory path for tokenised instruments

• Future trends in portfolio management and investor personalisation

Learn More:

Tony Clark: https://www.linkedin.com/in/tclark100/

The London Fintech Podcast: https://londonfintechpodcast.com

Sandy Kaul: https://www.linkedin.com/in/sandy-kaul/

Book –The Fourth Turning: What the Cycles of History Tell Us About America's Next Rendezvous with Destiny: https://www.amazon.co.uk/Fourth-Turning-American-Prophecy/dp/0767900464

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