The $300 Trillion Question: Can You Buy a Home Without a Bank?
Tech Talks19 Nov 2025

The $300 Trillion Question: Can You Buy a Home Without a Bank?

Buying a house is really, really hard. It took our host David 15 years of renting until he was in a position to get on the career ladder. It's a huge milestone, but it comes with debt, and interest. But does it have to?

Former career banker Chris Smith chats to David about his mission to expose how the traditional financial system has failed home ownership, turning the market into a "game of monopoly". He reveals Bloxx, a new financial architecture built on equity and Web3 infrastructure.

By connecting institutional capital directly to buyers, Bloxx enables home access with a 1% deposit and monthly payments up to 30% cheaper than a traditional mortgage, making renting a "dead cost" of the past. This is the generational shift required to get 1.2 billion renters into homes. Too good to be true? Surely the banks won't allow it? Listen in to today's interview to find out more!


Want to read the latest from David, his Substack (diving into ‘Tech Talks’ and more) is here.

Tech Talks is powered by Nash Squared, the leading global provider of technology and talent solutions. Find out more about our solutions at⁠⁠⁠⁠ ⁠⁠⁠www.nashsquared.com⁠⁠⁠⁠⁠⁠⁠

The music on Tech Talks is created by London artist Lemzi:⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠www.lemzi.com⁠⁠

Episoder(810)

Happy New Year! We Present a Panel From Money20/20

Happy New Year! We Present a Panel From Money20/20

Initially posted on Convera's podcast, today's show is a discussion lead by David with Sudipto Das (Convera), Nilesh Dusane (AWS), and Shawnna DelHierro (Sound Hound AI).We'll be back in 2026 with our usual blend of insightful, emerging voices. Until then Happy New Year from us to you!Tech Talks is powered by Nash Squared, the leading global provider of technology and talent solutions. Find out more about our solutions at⁠⁠⁠⁠ ⁠⁠⁠www.nashsquared.com⁠⁠⁠⁠⁠⁠⁠The music on Tech Talks is created by London artist Lemzi:⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠www.lemzi.com⁠⁠

31 Des 202528min

Our 2025 Wrap-up: Fighting "Inshitification" and the Pivot to Real-World Impact

Our 2025 Wrap-up: Fighting "Inshitification" and the Pivot to Real-World Impact

It's our second-last episode of the year, and the last is New Year's Eve, so this is a 2025 wrap-up!David has picked out some of his favourite moments from the podcast this year and is exploring two big themes: the "human-first restoration" (a rebellion against the "inshitification" of digital platforms) and the "impact pivot," where tech’s greatest minds (we think) are abandoning viral clicks to solve for water, power, and human rights. Obviously some aren't, but we're looking for the positives here folks!Featuring insights from pioneers like Jack McCauley and 'Rabble' Evan Henshaw Plath, we examine how the most honest conversations are finally making our technology more human.Want to read the latest from David, his Substack (diving into ‘Tech Talks’ and more) is here.Tech Talks is powered by Nash Squared, the leading global provider of technology and talent solutions. Find out more about our solutions at⁠⁠⁠⁠ ⁠⁠⁠www.nashsquared.com⁠⁠⁠⁠⁠⁠⁠The music on Tech Talks is created by London artist Lemzi:⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠www.lemzi.com⁠⁠

29 Des 202518min

The Speed Paradox: Why AI Agents Demand More Responsibility, Not Less

The Speed Paradox: Why AI Agents Demand More Responsibility, Not Less

On today's podcast David is joined by Scott Weller, CTO and founder of EnFi. We're asking why 95% of AI projects fail? Scott talks to David about the ongoing shift from individual productivity to systemic AI agents. Together they explore how "swarm intelligence" is rewriting the rules of commercial lending and why increasing speed requires a fundamental rethink of corporate responsibility. From the halls of MasterCard to building a digital workforce, discover how to navigate the transition to the agentic era.Tech Talks is powered by Nash Squared, the leading global provider of technology and talent solutions. Find out more about our solutions at⁠⁠⁠⁠ ⁠⁠⁠www.nashsquared.com⁠⁠⁠⁠⁠⁠⁠The music on Tech Talks is created by London artist Lemzi:⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠www.lemzi.com⁠

22 Des 202528min

Brands Are Vanishing Into Thin Air: Thankfully For Your CMO, GeoSurge Have A Solution

Brands Are Vanishing Into Thin Air: Thankfully For Your CMO, GeoSurge Have A Solution

On today's podcast David is sitting down with Francisco Vigo, CEO (and cofounder) of GeoSurge, a start-up who have just emerged from stealth to tackle a crisis at the heart of marketing departments. ChatGPT is the fastest-growing marketing channel in human history, yet massive brands can vanish from its memory overnight. Francisco tells us why traditional SEO isn't sufficient in the era of Generative AI, and offers an alternative to stricken CMOs and their stakeholders. We unpack the extreme unpredictability of model updates and explore 'corpus engineering': the science of structuring data to ensure persistent visibility, redefine organic traffic, and secure your brand's presence in this critical platform shift.Take part in the Harvey Nash Tech Talent Survey and help shape the future of tech careers! Click here.Want to read the latest from David, his Substack (diving into ‘Tech Talks’ and more) is here.Tech Talks is powered by Nash Squared, the leading global provider of technology and talent solutions. Find out more about our solutions at⁠⁠⁠⁠ ⁠⁠⁠www.nashsquared.com⁠⁠⁠⁠⁠⁠⁠The music on Tech Talks is created by London artist Lemzi:⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠www.lemzi.com⁠

19 Des 202536min

The Social Universe Built by Two Invites: Byio is Rewriting the Rules of Growth and Social Media

The Social Universe Built by Two Invites: Byio is Rewriting the Rules of Growth and Social Media

On today's show you're going to get to hear about the next social media craze before before anyone else, and get your chance to 'lock in'.Raye Easterly, founder of Byio (By Invite Only), details the launch of the first AI-native, invite-only social universe built by Black women. She explains why she chose a two-invite-per-user model, deliberately counterintuitive to traditional tech growth, to ensure community control, eliminate bots, and solve serious problems like discrimination and cultural theft.You might ask why we need another social media platform? Well the early days of social offered so much potential. We just need to get back to that...Take part in the Harvey Nash Tech Talent Survey and help shape the future of tech careers! Click here.Want to read the latest from David, his Substack (diving into ‘Tech Talks’ and more) is here.Tech Talks is powered by Nash Squared, the leading global provider of technology and talent solutions. Find out more about our solutions at⁠⁠⁠⁠ ⁠⁠⁠www.nashsquared.com⁠⁠⁠⁠⁠⁠⁠The music on Tech Talks is created by London artist Lemzi:⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠www.lemzi.com

17 Des 202537min

Is it time that technologists took a Hippocratic Oath?

Is it time that technologists took a Hippocratic Oath?

On today’s Tech Talks episode, David sits down with Hedgehog Lab CTO Joe Thompson, who argues that tech is finally maturing, moving beyond optimising for convenience, and towards genuine digital inclusion and accessibility. After all, there are more people in the world than affluent 25-year olds!We unpack the massive "accidental influence" technologists hold, suggest that the industry needs a ‘Hippocratic Oath’ of its own, and consider how organisations navigate the messy rebalancing that follows disruption, from dockless bikes to digital banking.Take part in the Harvey Nash Tech Talent Survey and help shape the future of tech careers! Click here.Want to read the latest from David, his Substack (diving into ‘Tech Talks’ and more) is here.Tech Talks is powered by Nash Squared, the leading global provider of technology and talent solutions. Find out more about our solutions at⁠⁠⁠⁠ ⁠⁠⁠www.nashsquared.com⁠⁠⁠⁠⁠⁠⁠The music on Tech Talks is created by London artist Lemzi:⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠www.lemzi.com⁠

15 Des 202534min

The Decision That Ended AI Hype: Why This Founder Only Focuses on Measurable ROI

The Decision That Ended AI Hype: Why This Founder Only Focuses on Measurable ROI

Today's guest is Synthflow AI's CEO and co-founder Hakob Astabatsyan. He reveals how his company built real-time conversational voice AI for customer support. He addresses the biggest hurdle: preventing AI hallucinations, explaining the work undertaken to de-risk enterprise deployments. Hakob argues the industry must shift from chasing pure innovation to delivering quantitative, measurable ROI. He also explores the new human role as an "AI workforce manager".Take part in the Harvey Nash Tech Talent Survey and help shape the future of tech careers! Click here.Want to read the latest from David, his Substack (diving into ‘Tech Talks’ and more) is here.Tech Talks is powered by Nash Squared, the leading global provider of technology and talent solutions. Find out more about our solutions at⁠⁠⁠⁠ ⁠⁠⁠www.nashsquared.com⁠⁠⁠⁠⁠⁠⁠The music on Tech Talks is created by London artist Lemzi:⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠www.lemzi.com⁠

12 Des 202530min

From CEO to 'Beckie': How Beckie Taylor Hit Reset To Find Her Voice in Tech

From CEO to 'Beckie': How Beckie Taylor Hit Reset To Find Her Voice in Tech

On today's show Beckie Taylor unpacks her pivotal, perhaps even dark, journey of identity after stepping away from Tech Returners. She opens up about the difficult transition after relinquishing her CEO title and the subsequent refocus on deep impact, including empowering female founders and building a non-profit. David and Beckie also chat about her upcoming documentary, which uncovers the self-sabotage and fear that prevents women from finding their voice in the industry.Take part in the Harvey Nash Tech Talent Survey and help shape the future of tech careers! Click here.Want to read the latest from David, his Substack (diving into ‘Tech Talks’ and more) is here.Tech Talks is powered by Nash Squared, the leading global provider of technology and talent solutions. Find out more about our solutions at⁠⁠⁠⁠ ⁠⁠⁠www.nashsquared.com⁠⁠⁠⁠⁠⁠⁠The music on Tech Talks is created by London artist Lemzi:⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠www.lemzi.com⁠

10 Des 202538min

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