News: FCA unveils crypto rules, Airwallex hits $11bn valuation, and Jet Bank launches Albania's first digital bank

**Benjamin Ensor** (0:04)
This is Fintech Insider News. This week, the UK's Financial Conduct Authority unveils a new framework for crypto firms.
Airwallex targets agentic commerce after hitting an $11 billion valuation. And Jet Bank launches as Albania's first digital-only bank. We'll be tackling all of this and more on today's news show.

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**Benjamin Ensor** (1:50)
Hello and welcome to Episode 1078 of Fintech Insider News, brought to you by 11FS, the six-time Consultancy of the Year that works with financial providers big and small to build the next generation of financial services. I'm Benjamin Ensor, Director of Research and Strategy. To help me unpack the biggest and most interesting stories from Fintech and financial services in the past week, I'm joined by a brilliant panel of three guests.
First up, we have Fatbada Rino, Chief Executive of Jet Bank. It's great to welcome you on to the show. Can you please introduce yourself and tell us a little bit about Jet Bank?

**Fatbardha Rino** (2:27)
Thank you, Benjamin. It's great to be here, actually.
I can start. I'm Fatbada Rino, the CEO of Jet Bank, which is the fully digital bank in Albania. The first one not only in Albania but for the Western Balkans as well. Me personally, I have spent more than 24 years in the banking sector now, and what convinced me to join this journey and this experience, it was that how to make the banking more simple and obviously what is the bank of the future. So with keeping that in mind, we built the bank from scratch, which obviously you know takes more than technology. It takes to have a clear vision, it takes to have very extraordinary people or with a different mindset, and plus trusted partners. So we together with our team and with the BigBase AI Native Banking OS, we brought that vision into life in a very short time, or remarkable speed, I will say. So I'm very happy to be here and looking forward to this conversation.

**Benjamin Ensor** (3:47)
It's very exciting. And may I just say in passing, it's always great to see more female chief executives, there aren't enough in banking, so that's an extra bonus point.

**Fatbardha Rino** (3:57)
Thank you. Me too.

**Benjamin Ensor** (4:01)
And we also have a welcome back to the show for the one and only Veronica Glab, a strategic partnerships lead at Juice.
Veronica, it's always fantastic to have you on the show. Can you remind listeners who've not, well, can you tell listeners who've not come across you before, who you are and what you do at Juice, please?

**Veronica Glab** (4:18)
Sure. Thank you for such a warm introduction. So I'm Veronica.
I am a fractional Fintech strategist working with early stage startups, like with Juice Ventures who are an SME lender based here in the UK. Other than that, I also do a few other things including my new substack, Fintech at the End of the World. I'm typically based between London and Lisbon, so always happy to connect with some of the Fintech community on either side of the Tagus or the Thames.

**Benjamin Ensor** (4:52)
Fantastic. I would say the Tagus has better weather, but actually the weather by the Thames has been quite good for the past few weeks.
I'm also delighted to welcome our next guest, Daniel Taylor, who is Head of Policy and Research at Zumo. Welcome to the show, Daniel. Can you tell our listeners a little bit about you and a little bit about Zumo, please?

**Daniel Taylor** (5:15)