The UK must not lose its fintech crown – Emma Hagan, ClearBank UK
UKTN | The Podcast
UKTN
5.0 • 6 Ratings
🗓️ 10 February 2026
⏱️ 33 minutes
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Summary
Emma Hagan, chief executive officer of ClearBank UK, discusses the rich history of the British fintech and why the UK needn’t lose its crown in the sector and the rise of AI in fraud and what fintechs can do to help.
ClearBank was founded a decade ago as the UK’s first new clearing back in over two centuries. The firm provides financial institutions with access to payments and clearing services as well as offers embedded banking services in partnership with fintechs.
Transcript
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| 0:00.0 | You see so many great stories here, you know, like the revolutes of the world that have started here, like Wises, |
| 0:11.0 | hopefully like Clia Bank talked about in those terms over some time, and it would be personally very distressing to see us lose that ground, and I don't think we need to. |
| 0:22.6 | AI and fraud can be enormously powerful. |
| 0:25.6 | Fraud is definitely an area where we've seen quite a lot of adoption in the fintech space. |
| 0:30.2 | That's been a helpful thing in terms of combating fraud. |
| 0:35.9 | We're big advocates for having a thriving fintech community, supporting start-ups, supporting |
| 0:42.3 | start-ups, supporting scale-ups and growth, has got to be a good thing. |
| 0:53.4 | And now a message from our podcast sponsor, HSBC Innovation Banking. |
| 0:58.6 | You're not ordinary. No 9 to 5 meal, deal lunches, meetings about meetings, compulsory team building, living for the weekend. |
| 1:07.8 | You're made for more, for the extraordinary, and you need an extraordinary bank. |
| 1:13.6 | HSBC innovation banking exists exclusively to help visionary VC-backed tech and life science |
| 1:20.0 | businesses achieve their ambitions. |
| 1:22.9 | From Preseed to IPO and beyond, we provide custom solutions co-created by actual industry experts to help |
| 1:30.7 | you scale, delivered by a dedicated team you can call whenever you need to. Find out why |
| 1:37.5 | four in ten UK unicorns have chosen us at HSBC Innovationbanking.co.com.uk. |
| 1:44.9 | Disclaimer. |
| 1:46.0 | Number represents UK VC-backed companies |
| 1:48.5 | with a market valuation greater than $1 billion in November 2025 |
| 1:53.6 | that are serviceable by HSBC Innovation Bank Limited. |
| 1:58.1 | Please see our website for full details |
| 1:59.9 | about HSBC Innovation Bank Limited's |
| 2:02.9 | serviceable market. |
... |
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