Hello and welcome to the special edition of Women with Balls, sponsored by Lloyd's Banking Group.

As technology becomes ever more part of our daily lives, banking is no different.

You've probably already used some fintech innovations in your life, even if you didn't call it that.

Monzo, Klanar, just giving. The flexibility

of fintech can be particularly helpful to women in their day-to-day lives, but if that's the

case, why is fintech mostly used and created by men? I'm joined by my panel to discuss these

issues and more. Nikki Morgan, Baroness of Coates, a former Conservative Cabinet Minister and chair of the

Treasury Select Committee.

Chi-on-Wora, a shadow science minister who was head of telecoms at Offcom.

And Jill Wiley, Transformation Director at Lloyd's Banking Group, who is kindly sponsoring this

podcast.

Chi, so Monzo is something which I think,'s hard to think of any of my friends who don't have it. We also, I think if you're looking at Vintech,

things like Just Giving could come into it. You know, those charity sites, which often are used to,

particularly in coronavirus, actually fund lots of businesses that are struggling.

There's also cryptocurrency. I think you previously said that had the potential to reduce consumer

reliance on big banks. So is fintech something that ultimately gives power to the consumer,

do you think? Well, I think the fantastic thing and the thing that really inspires me about fintech

is the potential to do exactly that. I mean, you know, that like finance, the finance sector

has been the sector that in some ways has been the least sort of changed and disrupted

by technology. If you think about how all our lives have changed, if you think about the way in which

tech is transforming the high street, you know, we still have the big banks, you know, I mean,

the last time I looked at the statistic, I really hope it's changed, but you were more likely to

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