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Scouting for Growth

Spiros Margaris: What does really matter in FinTech today?

Scouting for Growth

Sabine VanderLinden

Business:entrepreneurship, Business, Entrepreneurship, Technology

4.8 • 35 Ratings

🗓️ 13 January 2022

⏱️ 46 minutes

🧾️ Download transcript

Summary

Startups aren’t built on hype. They’re built on trust, repetition, and community. In this episode of Scouting for Growth, Sabine VanderLinden is joined by Spiros Margaris—venture capitalist, futurist, keynote speaker, and globally recognised FinTech influencer—to explore what it really takes to succeed in startups and scale meaningful businesses in an increasingly embedded-finance world. Spiros brings a refreshingly honest perspective to venture life. Working with startups, he explains, is like any real relationship. There are highs, lows, and long stretches of unglamorous, repetitive work. And that’s precisely the point. Mastery doesn’t come from excitement—it comes from showing up consistently, even when the work feels mundane. At the heart of Spiros’ philosophy is trust. Trust is built by being direct, transparent, and grounded—by telling founders what you genuinely think, without ego or expectation. It’s not about being right. It’s about being reliable. With trust, teams can weather uncertainty, disagreement, and difficult decisions—and still move forward together. Spiros also challenges one of the most common traps founders and advisors fall into: pretending to know everything. The strongest leaders, he argues, play to their strengths. When you don’t know the answer, say so—then activate your network. In today’s interconnected ecosystem, credibility comes not from having all the answers, but from knowing how to find them. Looking ahead, the conversation turns to the future of FinTech. Spiros is unequivocal: embedded finance is the next frontier. Financial services will increasingly live inside non-financial products and platforms—delivered through trusted partnerships or built in-house to complement core offerings. Banks won’t own the entire value chain anymore. The financial “cake” will be sliced differently, blending financial and non-financial value in new ways. The episode also touches on talent and purpose. The next generation of builders isn’t driven primarily by salary—they’re driven by meaning, responsibility, and having their voice heard. Companies that understand this will attract not just talent, but commitment. You’ll hear: Why trust—not advice—is the foundation of successful startup relationships How honesty and network leverage outperform false certainty What the everyday reality of startup life really looks like Why embedded finance will reshape how value is created across industries This episode is a reminder that growth is never a solo sport. It’s collective, iterative, and deeply human. 🎧 Tune in—and ask yourself: are you building alone… or growing with a community that helps you become better every day?

Transcript

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0:00.0

So today I'm meeting with a great friend of mine, Spiros Margaris.

0:22.9

Spiros is a venture capitalist, a futurist, a keynote speaker, and senior advisor for many

0:31.0

of the most interesting fintechs that are out there.

0:35.5

Spiros also support accelerators and growth ecosystems all around the world.

0:41.3

Spiros ranks as one of our top fintech influencers, but also in blockchain and AI.

0:49.3

I don't know how you find all the time, Spiros. He's also a TEDx speaker and a writer. So welcome Spiros and thank you so much

0:59.5

for giving me time today. What you said is so beautiful and it's my huge pleasure to be with you

1:08.5

and that we know each other for a while and I have the highest respect for you and that's why I was actually excited to be with you and that we know each other for a while and I have the highest respect

1:12.4

for you and that's why I was actually excited to be part of it and and also anxious because out

1:19.4

of the huge respect I have for you that I always feel like oh maybe there would be a question

1:24.4

I can't answer but what the heck let's go for it.

1:28.4

It'll actually be on your show and because, you know, you're one of the women in

1:35.3

insure tech that, you know, you know your stuff and yeah, huge respect, but enough of this,

1:44.0

but I just had to say it.

1:45.5

I had to say it.

1:46.8

As you can tell, I wasn't prepared for it to say it, but that's the best way to go for it.

1:51.1

Thank you so much, trying to do my bits, but it's all about you today.

1:56.4

And I would love to start with for listeners and viewers to know a bit more about you.

2:03.6

So who is Piros?

2:05.2

What drives Piros every day?

2:07.2

Yes, I'm an investor in advisors, several startups.

2:12.6

Plenty.

...

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