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Tristan Pelloux

Chief Pencil Officer at Fintech Review

Barcelona, Spain

Management Consultant with international experience within large financial institutions in the UK, France and Jordan. Strong experience in Corporate Development and Business Strategy including strategic planning, growth strategy, M&A, strategic partnerships and innovation.
After 5+ years in Corporate Strategy at Virgin Money UK, I launched Strategwhy, an independent management consulting firm providing guidance and advice to business leaders and founders across Europe.
Passionate about innovation in financial services, I am also the founder and Editor of Fintech Review, an online media focused on the Fintech industry.

Available For: Advising, Authoring, Consulting, Influencing, Speaking
Travels From: Barcelona, Spain
Speaking Topics: Corporate Strategy, Fintech, Innovation

Tristan Pelloux Points
Academic 10
Author 40
Influencer 3
Speaker 8
Entrepreneur 70
Total 131

Points based upon Thinkers360 patent-pending algorithm.

Thought Leader Profile

Portfolio Mix

Company Information

Company Type: Company
Theatre: Worldwide
Minimum Project Size: Undisclosed
Average Hourly Rate: Undisclosed
Number of Employees: Undisclosed
Company Founded Date: Undisclosed

Areas of Expertise

Business Strategy 32.51
Change Management
Customer Experience 30.03
Customer Loyalty
Digital Disruption 32.34
Digital Transformation 30.27
Entrepreneurship
FinTech 34.59
Innovation 33.22
Management 30.15
Mergers and Acquisitions 33.21
Open Innovation
Procurement 30.16
Retail
Startups 30.46
Risk Management 30.47
AI 30.03
Diversity and Inclusion 30.48
EdTech 33.76
Leadership 30.11
COVID19 30.27
HR 30.08
Blockchain 30.63
Cryptocurrency 30.25
Sustainability 30.17

Industry Experience

Consumer Products
Financial Services & Banking
Higher Education & Research
Insurance
Media
Professional Services
Retail

Publications

40 Article/Blogs
Kodak Moment in Financial Services
Fintech Review
April 06, 2021
Business leaders want to avoid their Kodak moment. That is true for the executive teams of traditional financial institutions. Actually, of any established company. A Kodak moment used to signify "an occasion suitable for memorializing with a photograph" but right now it rather means missing an industry shift in a spectacular way. Going from market leader to barely even surviving. This kind of grave failure of leadership that is not particularly good for the future of a business. Are banks having their Kodak moment?

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Tags: Digital Disruption, FinTech, Business Strategy

How is the International Money Transfer Market Evolving? Interview with Subhash Chander
Fintech Review
March 22, 2021
There is a lot of activity going on in the international money transfer market. Beyond TransferWise rebranding to Wise. International payments was one of the first markets to be targeted by fintechs when the industry boomed a few years ago. Because it was a low-hanging fruit. Really inefficient. Poor customer experience and expensive. A number of companies emerged, and some are absolutely huge now. We asked a few questions to Subhash Chander, founder of the money transfer comparison website WireSmartly. To understand what his company is doing in the space and how the international money transfer market is evolving.

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Tags: Digital Disruption, FinTech, Innovation

Back to Basics: What is a Bank?
Fintech Review
March 15, 2021
Maybe that sounds like a silly question to ask. You know what a bank is, you use their products and services almost every day. Most people – but not everybody – have a bank account. Nonetheless, it’s probably worth breaking it down for a minute. If you want to understand what fintechs are trying to disrupt, it’s probably helpful to get to know how a bank actually works. You can then make the difference between the people that are reinventing small parts from the true innovators.
Back to basics: what is a bank?

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Tags: Blockchain, FinTech, Innovation

21 Women in Blockchain You Should Know About
Fintech Review
March 08, 2021
On International Women’s Day, we are going a bit further than just fintech. To the extent that every company will eventually be a fintech company according to Andreessen Horowitz, we actually are always in fintech territory… We recognise the achievements of business leaders and innovators across a range of industries. What they have in common is their passion and understanding of blockchain technology. We asked them to tell us a bit more about who they are, and what they do with the technology. And on this day, to speak about what it’s like to be a super-achieving woman in blockchain. But it goes beyond their gender. These are 21 thought leaders in blockchain that you should know about.

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Tags: Blockchain, Diversity and Inclusion, FinTech

What's going on with fintech startup exits?
Fintech Review
March 03, 2021
All the SPAC activity around fintechs is kind of normal. The huge amount of money going into fintechs over the years needed an exit of some sort. When VCs give you some cash to build a business, they expect a return. As big as it can be. These exits can be an IPO or being acquired by another company. Sometimes it's good for the investors but bad for the startup. A few big fintech public listings are rumoured for this year, but the process seems to be a bit broken. So what's really going on with fintech startup exits?

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Tags: FinTech, Mergers and Acquisitions, Startups

Venture Capital in Blockchain: Interview with Baptiste Cota
Fintech Review
March 01, 2021
There has been a lot of hype around blockchain technology for years now. What the technology could do that would completely change the world. These days, it is pretty hard to make sense of the real trends with all this noise around cryptocurrencies. However, there are some excellent use cases beyond that. Blockchain technology is much more than just crypto. And a few people know that and are investing in promising blockchain startups. We asked a few question to Baptiste Cota, Founding Partner at LeadBlock Partners, about what it is like to work in venture capital with a focus on blockchain.

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Tags: Blockchain, FinTech

ESG and Fintech: a perfect match made in heaven?
Fintech Review
February 25, 2021
It’s not just Greta. Environmental, Social and Governance (ESG) criteria are increasingly important in the business world. If you want to be cynical, that’s because it is more and more important for these businesses’ customers. So you need to adapt to continue to sell your stuff. If you feel more positive, it’s because business executives genuinely believe that sustainability is important. Even bank ones. Regardless, it is now evident that people want a clear change when it comes to how companies behave and how money is being invested. It is even more pronounced with the younger generation. They are quite concerned about the world that they are inheriting from their forefathers. Rightly so. ESG and fintech: a perfect match made in heaven?

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Tags: Diversity and Inclusion, FinTech, Sustainability

Behavioural finance and Fintech: Interview with Julien Revelle
Fintech Review
February 16, 2021
What is really great about fintech, is that it is here to solve problems. That is the ultimate premise. Take broken things in financial services, and turn them into something much better. But can investor risk assessment be fun? That seems like a tall order. Can you change that and make it better? That’s when Neuroprofiler comes in. Where behavioural finance meets fintech. We have asked a few questions to Julien Revelle, CTO and Co-founder of the fintech startup.

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Tags: Digital Disruption, FinTech, Risk Management

Big Tech in Financial Services
Fintech Review
February 11, 2021
Beware, Big Tech is here to eat your lunch. That is today’s equivalent of the great communist threat during the Cold War. What’s behind “Big Tech” then? Usually, we mean FAMGA: Facebook, Apple, Microsoft, Google and Amazon. FAMGA represents the five largest stocks in the Nasdaq-100 with c.40% of the index of the 100 largest Nasdaq companies. Hence, the Big in Big Tech. They are steadily more active in fintech through patent approvals, partnerships, and investment activity. Banks should be worried. And so should be fintechs. Their eastern cousins, the BAT (Baidu, Alibaba, Tencent) have been active in financial services for years and are considered pioneers in most aspect. Let’s see… Big Tech in Financial Services: so what?

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Tags: Customer Experience, Digital Disruption, FinTech

Hedge Funds, Reddit and GameStop: is Fintech Democratizing Finance?
Fintech Review
February 03, 2021
Quite a fascinating story that unfolded over the past weeks. A finance drama from films like the Big Short (ad). David vs Goliath in the trading world with a “Rich against poor” vibe. An amazing saga to start 2021. Here is a quick recap if you have not followed. Which is particularly hard since everybody is talking about it. Also, why it actually matters for fintech. In a nutshell, a group on the social media platform Reddit is taking on hedge funds. It is called WallStreetBets, and it is not a couple of guys in their mom’s basement. More like 6 million retail investors. This story could have remained on the fringes of the financial world like many things do. But it ended up catching everybody’s attention. It is a telling story because it shows how fintech is clearly not done with transforming financial services. Is fintech democratizing finance?

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Tags: Digital Disruption, FinTech, Startups

Female business leader in Blockchain: Interview with Sukhi Jutla
Fintech Review
February 01, 2021
Finance remains a male-dominated industry. That is in spite of some excellent initiatives around the world. And it is not better for fintech and blockchain. It is rare to find a blockchain entrepreneur who is a woman. However, there are a few notable exceptions. The kind that are raising the hopes that things can and do change. We can have more successful female entrepreneurs. Role models for future generations. Greater equity and inclusion is within reach. We therefore wanted to start off the year with a positive story. We asked a few questions to Sukhi Jutla, Co-founder and COO of MarketOrders. She is a blockchain entrepreneur who can be very much defined as a fintech veteran.

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Tags: Blockchain, FinTech, Diversity and Inclusion

Why Banks Cannot Buy Their Way into Innovation
Fintech Review
January 26, 2021
Recent news that BBVA is shutting down neobank Simple is telling us one thing: banks cannot buy their way into innovation. As we have said before, partnerships between banks and fintechs can be a good idea. But that’s not the same thing as an acquisition though. The execution is slightly more complicated with the latter. Instead, banks need to build these innovation muscles. To change the way they are set up to be better at it. Because one day a startup will emerge, refuse to be bought and eat your lunch.

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Tags: FinTech, Innovation, Mergers and Acquisitions

What's going on with Bitcoin?
Fintech Review
January 21, 2021
What is Bitcoin? Obviously joking here. If you are not familiar with the most popular cryptocurrency, you must be quite disconnected from the world. Which is not a bad thing in all fairness. But even your grandma has heard of Bitcoin. It is crazily popular these days. Everybody is talking about it. From TikTok teenagers (and their bad personal advice) to BlackRock executives. You cannot just ignore it any more. For those of us that have been close to the crypto markets since the early days, it has been a dramatic rise. Even more dramatic if you were here when Bitcoin was below $100 and did not buy into it. But is that worse than having bought into it and losing access to your wallet? That’s debatable. But maybe with the recent price rally, you are just wondering: what’s going on with Bitcoin?

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Tags: Cryptocurrency, Digital Disruption, FinTech

Top 5 trends for Fintech in 2021
Fintech Review
January 14, 2021
It is this time of the year. No, not the Mariah Carey's "All I want For Christmas Is You" time of the year. The moment just after that, when the year starts and everybody is trying to make predictions. It is actually quite fun to stare at your crystal ball and figure out what will happen. At least try to. And then look back and see if you have been completely wrong. Or not. A year ago, the world was a very different place. A pandemic happened in the meantime. So what will be the top 5 trends for fintech in 2021?

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Tags: Digital Disruption, FinTech, Innovation

2020 Retrospective - Fintech Review
Fintech Review
January 07, 2021
At the beginning of last year, everybody made a few predictions for what 2020 would mean for the fintech industry. Obviously, at that point in time, Covid-19 was only a problem in Wuhan, China. You could see it in the distance, and it appeared well under control. That slightly changed in the following months, and the first lockdowns a bit everywhere. And the second. And the third, so forth and so on. Here we are today. It has been undoubtedly a challenging year for many around the world. However, it was not all bad, particularly for Fintech. What about Fintech Review’s top 5 trends for fintech in 2020? Did any materialise or did we get it completely wrong? Let’s look back and have a brief retrospective.

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Tags: Blockchain, Digital Disruption, FinTech

What is FinTel?
Fintech Review
December 29, 2020
Everybody hopes that 2021 will be slightly better than the year we have just had. Not that everything was bad, especially for fintech that has proven resilient. Fintechs were not wiped out in numbers by the pandemic. Good startups managed to raise big funding rounds and products hit the market at pace. But before we head off to what could be another record year for the fintech industry, we asked a few questions to Andy Hallam, UK CEO of mobile network To The Moon Mobile. They have just launched an innovative mobile fintech service in the UK. It is a first-to-market combination of super flexible tariffs and built-in crypto wallet: FinTel, if you love acronyms.

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Tags: Cryptocurrency, Digital Disruption, FinTech

Private Banking Market: Can Neobanks Crack It?
Fintech Review
December 18, 2020
If you're the Queen banking with Coutts, you're surely not going to let it go for a Revolut Metal. Neobanks are still trying to crack private banking though...

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Tags: Digital Disruption, FinTech, Innovation

Are Fintechs Better at Lending Than Banks?
Fintech Review
December 14, 2020
Big banks have been lending for a long, long time. Hundreds of years. Are the new kids on the block, fintechs, better at lending than banks?

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Tags: Business Strategy, FinTech, Risk Management

What can you do with AI in Financial Services?
Fintech Review
December 06, 2020
Artificial Intelligence (AI) is probably the biggest buzzword in the business and finance world. Yes, even more than blockchain. AI is not particularly new and can trace its roots back to the mid 1950s. However, it is true that developments in computing over the past 20 years have led the field to progress tremendously. It also helped to move AI from the academia to the business world. This has happened through practical applications, including in financial services. It is often misused and confused with simple rules-based mechanisms. However, there are plenty of use cases for AI in financial services. The applications are almost endless but let’s have a look at the most developed and popular ones.

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Tags: AI, FinTech, Innovation

5 Finance Skills to Better Understand Fintech
Fintech Review
November 27, 2020


It’s very true that Fintech is a lot about tech, as per the little war for talent happening in the industry. So it’s obviously helpful if you have tech skills like coding. However, let’s not forget that we are talking about finance here. Without finance, there is no financial technology. Maybe it seems obvious, but it is worth noting that more often than not, people put a stronger emphasis on the technology side of things when talking about Fintech. Although very important, remember that technology is deployed to support financial services, and therefore the finance journey is central. Knowledge of finance is key to understand the big picture. If you need to pick a few, what are the 5 finance skills to better understand fintech? But not only, the top skills and principles that will more generally help you thrive with your personal and business finances?

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Tags: Business Strategy, FinTech, Innovation

Can Fintech help with financial inclusion?
Fintech Review
November 20, 2020
One of the biggest premise of fintech, perhaps somehow implied, is that it would change banking for the better. You know the story: the year is 2009, greedy banks have created a massive mess. And that’s an understatement, just watch The Big Short for a quick recap. In the following years, fintechs will emerge as a credible alternative to the old banking system across much of financial services. One of the most visible part being retail banking and consumer finance, with the likes of Revolut, Monzo or Chime. Fintechs have risen on the hopes that they would do things differently and truly improve people’s life. But are fintechs just traditional financial services with a shiny paint – lipstick on a pig – or do they actually care about people’s financial well-being? For instance, can fintech help with financial inclusion?

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Tags: Diversity and Inclusion, FinTech, Innovation

Is Covid-19 really killing Cash?
Fintech Review
November 04, 2020
Everybody has heard the motto “Cash is King” right? But is it really? Or is it slowly dying and Covid-19 will be its final blow? The King is dead, long live the King. It depends on the kind of cash we are actually talking about. There are two types of cash. Firstly, you have cash as an asset class and secondly, physical cash as a form of payment.

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Tags: COVID19, FinTech, Innovation

Top 5 Books to Learn More about Finance
Fintech Review
October 30, 2020
If you want to learn more about finance in order to better understand Fintech, there are a few books that are must-reads. Even though Fintech is actually a lot ‘tech’, you cannot really forget that it is finance after all. So understanding basic concepts is quite key, especially if you are considering working in the industry.

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Tags: FinTech, Innovation, Leadership

Are low interest rates any good for Banks and Fintechs?
Fintech Review
October 23, 2020
As the fallout from the Covid-19 pandemic takes its toll on economies around the world, central banks are cutting their base rates (or discount rates) to new lows. This is the rate at which a commercial bank can borrow from a central bank, like the Fed in the USA or the ECB in the Eurozone, when it needs to. These rates were already significantly lower than before the Great Financial Crisis. Some central banks are even going negative, which is particularly uncommon. A monetary policy experiments from economics books. Are low interest rates any good for banks and fintechs? Or is a low interest rate environment negatively impacting financial services?

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Tags: Business Strategy, FinTech, Risk Management

Fintech funding reaches new records
Fintech Review
October 15, 2020
It seems that when it comes to funding for fintech startups, sky is the limit… According to data released by consultancy KPMG, fintech companies in the UK have attracted $48.5bn (£37.4bn) of investment in 2019, up 91 per cent from $25.4bn a year earlier. That’s quite a big jump, even in the Fintech world. Volumes were also up, as the number of deals reached a six-year-high. You can see similar trends across other European countries, Asia, and the USA.

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Tags: Digital Disruption, FinTech, Startups

1 Board Membership
Audencia Alumni
Audencia Business School
March 01, 2019
Board Member of Audencia Alumni, the alumni association of Audencia Business School

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Tags: Business Strategy, EdTech, Innovation

2 Founders
Strategwhy
Strategwhy
October 19, 2020
Strategwhy is an independent management consulting firm providing expert advice and guidance to business leaders and founders.
We help organisations improve overall performance and operations through industry-specific insights and actionable strategies.

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Tags: Business Strategy, Digital Transformation, Mergers and Acquisitions

Fintech Review
Fintech Review
January 05, 2020
Fintech Review is an online media platform on everything Fintech happening around the world: insights, reviews and analysis. From explaining basic concepts to analysing major trends across business, finance, economics, and technology.

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Tags: Digital Disruption, FinTech, Innovation

1 Media Interview
7 Questions with Tristan Pelloux
Clarity
March 04, 2021
I was interviewed as part of Clarity's leadership series called 7 Questions with Board Members of Large Enterprises, drawing upon my experience as a Board Member of Audencia Alumni and my years in Corporate Strategy at Virgin Money

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Tags: Management, Leadership, Business Strategy

2 Panels
Bank/Fintech partnerships: challenges, limits & opportunities?
French Fintech Tour 2019
July 02, 2019
Business France UK is delighted to invite you to a special evening to celebrate the strong ties between the French and British Financial industries. Supported by Microsoft, Capgemini and BNP Paribas the French Fintech Tour is a unique opportunity to meet with the best of the French FinTech industry.

Panellists will delve into what the future holds for the finance industry and take questions from the audience.

Come and enjoy the discussion !

Program overview:

5:00 p.m. – 5:30 p.m.: Welcome speech

Panel discussions:

5:30 p.m. – 6:15 p.m

"Bank/Fintech partnerships: challenges, limits, and opportunities."

Moderator: Colin Payne - Vice President & Head of NextGen Banking, Capgemini
Antoine Baschiera - Cofounder and CEO, Early Metrics
Elias Ghanem - Vice President Fintech, Europe, Capgemini Invent
Francois Blanc - Head of Customer Experience and Innovation, Santander UK
Tristan Pelloux - Partnerships Manager, Virgin Money

6:15 p.m. – 7:00 p.m.:

"Scaling, optimization, and international expansion."

Moderator: Elias Ghanem - Vice President Fintech, Europe, Capgemini Invent
David Christie - CEO, Bleckwen
Mike Benchimol - Head Of Strategy, Checkout.com
Rachel Peck - Business Development and Success Manager Lead EMEA, Microsoft for Startups
Renaud Million - CEO, Spixii

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Tags: FinTech, Innovation, Procurement

The Exchange: Impacts of digital tech on financial infrastructures
Cardiff Digital Festival 2018
May 22, 2018
Digital technologies are considerably impacting the financial services sector whether at the retail or wholesale levels. In this respect, financial infrastructures are facing a broad range of changes and transformation. From the stock exchange to insurance markets to interbank infrastructures, digital innovation and technologies from blockchain to AI to high speed trading are transforming this industry.

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Tags: Digital Disruption, FinTech, Innovation

2 Speaking Engagements
FinTech North International FinTech Showcase Manchester
Fintech North UK
February 13, 2019
A 'Reverse Pitch' Event featuring UK Financial Services & International FinTech Scale-ups. Presenting CYBG (now part of Virgin Money UK).

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Tags: FinTech, Innovation, Procurement

Audencia Business School International Day 2018
Audencia Business School
February 22, 2018
Audencia Alumni is delighted to welcome Iuliana Megelea (IMM 10), Tristan Pelloux (GE 15) and Luis Prato (MBA 08) back to Audencia. They have honoured the School with a visit on the occasion of the International Day on Thursday 22nd February.

Throughout the day, students will have the opportunity to meet them in dedicated workshop sessions, one-to-one drop-ins and an informal gathering in the Alumni Corner.
Make the most of this great opportunity to find out more about international careers!

- Iuliana (IMM 10) will share her experiences about pursuing a career in France when French isn't your first language.
- Tristan (GE 15) will share his experience of working in the UK and give you insights into a career in strategy.
- Luis (MBA 08) will share his experiences about his career path which has taken him from South America to Europe via Africa and discuss how an international career can span several continents.

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Tags: Business Strategy, EdTech, Leadership

2 Visiting Lecturers
Fintech
Audencia Business School
March 29, 2021
Guest lecture on Fintech to the students of the Master Finance, Risk & Control of Audencia Business School

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Tags: Digital Disruption, Innovation, FinTech

Fintech
Audencia Business School
February 05, 2019
Lecture on Fintech to the students of the Master Finance, Risk & Control of Audencia Business School

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Tags: Digital Disruption, FinTech, Innovation

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