Andrea Melville is MD Commercialisation & Propositions at Lloyds in London. Andrea is also a board member at Fnality, a network of decentralized Financial Market Infrastructures (dFMIs), where Lloyds invested.

We talk about:

• MD Commercialisation & Propositions at Lloyds in London - what does it mean in real life?

• Andrea previously said, “Why shouldn’t banking be just as simple as booking a hotel or ordering a taxi?” Why it’s sometimes not the case and what can be done about it?

• Lloyds is a systemically important organization, so giving rewards to employees to bring down its systems as a test like some tech companies do, doesn’t work. How does Lloyds then infuse agility into an organization with such constraints?

• Lloyds' approach to innovation and working with start-ups: from investing to partnering

• How do your scouting and outreach at Lloyds work?

• How does the selection process work?

• How does economics work (broadly)? Do you work on pilots and proof of concepts?

• Long-term partnerships. Check out the FinTech Pledge that Lloyds signed up to and how to get onboarded by Lloyds.

• What are the metrics of the partnerships and monitoring

• Can you share success stories of the start-ups with whom you have partnered up? And the lessons learned?

• Favorite book: Guns, Germs and Steel (and some podcasts:)

• Wrap up: appeal to inspiring entrepreneurs to learn more about working with Lloyds and the best way to get in touch