--- title: "The Banker's Joy Macknight on collaboration, banking and blockchain" date: 2018-05-16T16:43:00+01:00 author: Alara Basul canonical_url: "https://www.ravelin.com/podcast/joy-macknight-on-digital-indentity-and-collaboration-in-fintech" section: Podcast --- Podcast / Machine learning & AI Episode 21 16 May 2018 # The Banker's Joy Macknight on collaboration, banking and blockchain We speak to The Banker’s Joy Macknight on fintech trends and digital identity. [**To learn more about machine learning visit our insights page.**](https://www.ravelin.com/insights/machine-learning-for-fraud-detection) ![The Banker's Joy Macknight on collaboration, banking and blockchain](https://storage.googleapis.com/ravelin-website-assets-production/assets/images/_250xAUTO_fit_center-center_none_ns/764/Macknight_Joy.webp)Joy Macknight is the Deputy Editor of The Banker. She’s an expert commentator in the fintech industry, and has previously written for titles including GTNews and Banking Technology covering treasury, transactional banking and the growing fintech markets. In today’s podcast, Joy and I talk about the the changes she’s witnessed over the years - such as where the fintech industry is heading, and whether traditional banks should re-think their business and consumer strategies. She mentions the differences between traditional and challenger banks, and how traditional banks no longer fear the fintechs "because they want to bring their own innovation into the industry." Joy also speaks about the importance of data and partnerships, and how we will continue to see fintech collaborations happens in the next few years. It's a good one - grab a warm drink and enjoy! [**To learn more about machine learning visit our insights page.**](https://www.ravelin.com/insights/machine-learning-for-fraud-detection) ![Afk Bu I 400X400](https://storage.googleapis.com/ravelin-website-assets-production/assets/images/_122x122_crop_center-center_none_ns/851/afk_Bu-i_400x400.webp)Alara BasulRavelin alumna More from Alara Basul - [Infographic: The growing cost of fraud in 2018](https://www.ravelin.com/blog/infographic-fraud-in-2018) - [Meet Tim Whelan, Ravelin’s VP of Engineering](https://www.ravelin.com/blog/meet-tim-whelan-ravelins-vp-of-engineering) - [National Cybersecurity month: Raising awareness of fraud in payments](https://www.ravelin.com/blog/cyber-security-month-fraud-awareness) ## Related content [Blog / Fraud trends ### Online Retail Fraud Trends 2026: New global report Refund abuse just outranked traditional forms of first-party abuse in terms of its negative impact on retailers – while 78% say fraud has stifled their growth to some extent. ![1669287463716 2023 12 07 164059 ybjd](https://storage.googleapis.com/ravelin-website-assets-production/assets/images/_33x33_crop_center-center_none_ns/196785/1669287463716_2023-12-07-164059_ybjd.webp)Nikoleta Dimitriou,Senior Content Manager](https://www.ravelin.com/blog/online-retail-fraud-trends-2026) [Blog / Fraud analytics ### Burner account detection requires continuous behavioral monitoring and network analysis Today we explore ecommerce burner accounts and why it's important for merchants to home in on and ban them before they do harm. ![Unnamed 3](https://storage.googleapis.com/ravelin-website-assets-production/assets/images/_33x33_crop_center-center_none_ns/265422/unnamed-3.webp)Nelda Biltauere,Senior Fraud and Payments Researcher](https://www.ravelin.com/blog/ecommerce-burner-account-fraud) [Blog / Refund abuse ### Refund abuse is too easy to do – and get away with – to leave unchecked Exclusive Ravelin data reveals the sheer extent of ecommerce refund abuse, including how harmful repeat refund abusers are and the measures to stop them. ![1669287463716 2023 12 07 164059 ybjd](https://storage.googleapis.com/ravelin-website-assets-production/assets/images/_33x33_crop_center-center_none_ns/196785/1669287463716_2023-12-07-164059_ybjd.webp)Nikoleta Dimitriou,Senior Content Manager](https://www.ravelin.com/blog/ecommerce-refund-abuse-is-easy)