00:00:02 · S0
[00:00:02] S0: Visste du at forskningsparken huser Oslos største innovasjonsmiljø? Med over 300 virksomheter, inkludert 190 start ups, forenes næringsliv, forskning, klynger og inkubatorer der ideer kan testes og vokse videre. Enten du er et selskap I vekst eller en etablert aktør, er forskningsparken stedet som gir virksomheten din både verdi og rom til å utvikle seg. Fleksible lokaler og laboratorier gir dere mulighet til å skalere både opp eller ned på samme sted. Sitt der vitenskap på næringsliv møtes. Les mer på forskningsparken punktum no.
00:00:39 · S1, Nik Storonsky
[00:00:39] S1: Hei og velkommen til Skifters podkast. Ukeens episode er spilt inn live hos Selmer advokatfirma. Vi har snakket med founder eller av Revolutbank, Nik Storonsky. Denne episoden ble spilt inn 12º oktober. Vi beklager at det er I dårlig lyd I starten av episoden, men det blir bedre underveis. Ladies and gentleman, velkommen til 2 morning session with the Revolut founder Nik Storonsky. Først av all, jeg ville like til å tenke Selmer for Doing this on the very short notis. En leave fra Micas I Norge hos hun, hun Perus and contact på dem. I oceså want 2 do it quick commorcel about are on event the shift. Witch is going down november fortent with world class begers like Shonyedels, Jare Poley, Jugu Perora. En my kollega Anka is over der, så ikke god good dag good discount under ticket. Bot mose importenly, thank you Nikolay for taccen the time 2 shared som insights with oss disse morgning. Bot before vistart, out like 2 know we are dating with in the crowd so How mey people here walk in the bankindustri? Okay, bare 95 prosent. Er det noe? How mey Fintex? Ja, så banks er fintex. Interessing. [00:02:09] S2: I knows interessant I det så boot banks and statups og waring sueds.
00:02:09 · Nik Storonsky, S1
[00:02:09] S2: I knows interessant I det så boot banks and statups og waring sueds. [00:02:17] S1: Alderstart ups. And Consultents. I oddeur categories. Ja, tri people, odde in oddeur. Så Nikolai, you founded Revolut innen twenty and twenty fiftien. Yes. It's know valuedd one points. Time. You have 3 milen customers. You claymedat you'e ate tows new customers exdd. Jur Russion Born, jav with digre from in fysix from The Mozco Institute of Fysics and Technology. You have achampion swimmer. You a juice you work as a trader att Leeman Brothers wined børst. En after that jury for credit criss. Why that youquic your jobb 2 start Revolut? [00:03:18] S2: Men bacon bacon bikkam boring 2 well sia, så jeg tyssever I hvert fall industrien den out the finational crisis. Vi just bekeme ekstreme politiker, caltjø, dekarated. [00:03:30] S1: Men banks bekeme boing? Har, hadde det just the be col? [00:03:37] S2: Ja, ja, det just a be col. I foy you a go 2 in it graget event at universtis. You seal ikke out of banks recruting in the beas gredgets. I thing a this is a gonna all all beas gredgets a go 2 statups. [00:03:52] S1: Så what you you do, men you wirte at Limar Ruthers? [00:03:55] S2: Traading, så what you ruts trade. [00:03:57] S1: Trader, ruged trader? [00:03:59] S2: Ja, ruged. [00:04:02] S1: En, 1 what is the problem with banks 2 day? [00:04:07] S2: Well, is, jeg tenker det, det, det, blir ikke noe 2 politikere 2 beyck. I lot of corporate leas and the, jeg tok med 2 og sende, tenkte, få ting commities 2 lungey new product thrite. It just it is is it is is is it is it it is want.
00:04:07 · Nik Storonsky, S1
[00:04:07] S2: Well, is, jeg tenker det, det, det, blir ikke noe 2 politikere 2 beyck. I lot of corporate leas and the, jeg tok med 2 og sende, tenkte, få ting commities 2 lungey new product thrite. It just it is is it is is is it is it it is want. [00:04:28] S1: En is the want you want you do [00:04:30] S2: som thing with? Well, jeg hvis du want 2 have vi noe much flight astracture, ikke is også miratacriatey criate. Vi coally look at banks, majity of people the the naturally producing. Så my my my vi few health, in no, population in in bank in world, det er min navn, nothing watch. [00:04:48] S1: Så heaf of the people working I banks er axally producing samting enn the haf is not natur. [00:04:54] S2: Ja, det er litt 30 prosent produsent samting. [00:04:56] S1: Only, 30 prosent. Interessing. Interessing. Så, så bare in the start. What with you like me new startet Revol? What with you biges challenge? Biges challenge? [00:05:08] S2: What with you like in the down shifting from byteful trading inflow til rocking the stabbox. Og det er også like veldig different experience capered 2 trading. Jeg ventet med problembaout wone is a just. Jeg den inte 2 fine way. [00:05:23] S1: Men våt gave you 2 confence 2 do it? [00:05:28] S2: Er det konfidence? [00:05:30] S1: En, I know, I know that you have gotes question befor. Ja. Bhat the geopolitisk noise situation between Russland and the EU. Har vi møtt en ny challenge, being rutionborn, entreprenør, startering I bank enn the UK? [00:06:06] S2: Så just don't there and the stead soquisions.
00:06:06 · Nik Storonsky, S1
[00:06:06] S2: Så just don't there and the stead soquisions. [00:06:09] S1: Ja, okay. Så vi skal jo tolke litt litt more bagns. You sad at you never seen a big bank do endating col. Quoles eftery died, you woodn exist. [00:06:21] S2: Ja. [00:06:21] S1: Ja. Du still believe sove. [00:06:24] S2: Ja, just because Banks. Det er jo å si Benken mener jeg sa at designes and engineer, så det er sånn at det har rung skills til å produsere produkt. Du produserer jo noen bryllup, så du ikke har engineers designenes product onance. Hvis vi ikke skal benk managers It's the roong tape of skills. [00:06:49] S1: Pod the banks sa vin doing all that of that leatly recuring that typ of people staring 2 2 2 move datirection. [00:06:56] S2: Ifram and branded design ageny why what the go 2 woke for bancright. At the go 2 woke and statup. [00:07:01] S1: Why? [00:07:03] S2: Well, changeing the world in a all listnings. [00:07:06] S1: Ja, but, ja. Butted banks the many wateht, så det kan pay for the beste people. [00:07:10] S2: Stataski the alfs people. [00:07:12] S1: Ja, jeg tror. Butt the tradisjonell banks. You sett at the tradisjonell banks approach the innovation and digitalisering is wrong. Hva, hva u is at wrong? [00:07:26] S2: Vel, så wad projsent digitalisering. Det vi just hea, Mackincy advised 2 built sand digcial project. Den har jeg NADA også sin kamp I nytt design. Den har også sin kamp I nytt 2000 Can Da develop it. [00:08:00] S1: Kan du si det at det er arder andy banks, det er axley approaching the the digital transformasjon and the good way?
00:08:00 · S1, Nik Storonsky
[00:08:00] S1: Kan du si det at det er arder andy banks, det er axley approaching the the digital transformasjon and the good way? [00:08:09] S2: Welly fourluket thain. Welly notrally banks, but will cheat eller pay. Jeg tenker det er du inte right way. [00:08:16] S1: What ways da? [00:08:18] S2: What the små approaching banking altså product not is or organisation. [00:08:24] S1: Så banking altså product not is or organisation? Ja. Så product or organisation I stedet av? Yes. Ja, and what the product orugentation uck like. [00:08:33] S2: Og så hvis det er addk is technology right designes enginees, product ownance, alfak of IDS. Så det, det 1º bildeprodukt enn den de fikk out of the inteums of legcelation, men den risk as awell. [00:08:51] S1: Ja, så det, det incomeent banks har bean talking a lot about innovation and open banking. This you years var et smoving slowly. Hva hva det gjør på at sånn open banking? [00:09:05] S2: Well, hating no in fy us damage of the great sofa. Sno torey useable youtcy for statups. For eksempel funksjonaliteten 2 wellmany out of banke account with open Banking APIs. Det som har vi noe very good interface på the juicet. I thing what tam it is will be myse bat for know. I this not [00:09:31] S1: guruna raight now? Bare dybel levende concept. [00:09:34] S2: Ja, cocept is great right. I thing you way just in the beging of it. [00:09:50] S1: Hva er the moste? Hvor, hvor er det jo endelig the moste av, av Monsoe? [00:09:57] S2: Jeg mener squood bryter stadup.