The podcast I recorded with Mark Mullen in 2016 was one of the first episodes I recorded for BankNXT, and set the tone for how the show developed over the next two years.

Mark was frank and opinionated about the banking industry, having started his career with the Forward Trust Group, a division of Midland Bank, which became a part of HSBC in the 1990s. In 2000, he joined HSBC in London to help launch an internet banking platform. A few years later, Mark took over as chief executive of First Direct, and from there joined Anthony Thomson to form Atom Bank.

Among many topics under the spotlight, we talk about the human side of banking, how the north of England is a bright spot for talent, and why “the southeast infrastructure is broken”. On being mobile rather than branch, Mark says: “It’s a business that wants to be very close to its customers, and we can’t think about how much closer you can be to your customer than in their pocket.”

For the benefit of brevity, this is a short, low-quality snippet of the interview. If you want to hear the whole thing in glorious technicolour, drop me a line.

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