### **[Video Title] – Interview with Matthew Ford: Applying Data Science in Fintech**
Welcome to our 13th video, where we interview Matthew Ford, Partner at Mouro Capital, a prominent fintech venture capital firm with $400M in investments. Mouro Capital is the fintech venture capital arm of Santander, the 16th-largest banking institution globally[^1^].
Matthew Ford has a remarkable background, having founded and worked at startups that applied data science to consumer finance. His money management app, Pariti, was acquired by Tandem, a digital bank[^2^]. In this interview, we cover topics such as the fintech landscape, identifying problems for data science startups to solve, choosing business models, prioritizing investments in data science, and finding product-market fit[^3^].
**Timestamps** for this interview are available in the first pinned comment. Stay tuned for more interviews and updates by following us on [Twitter](https://twitter.com/datafounders).
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**Keywords/Tags**: startup, venture capitalist, entrepreneur mindset, data science, venture capital.
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#### **Sources:**
[^1^]: [Santander](https://www.santander.com/en/about-us)
[^2^]: [Tandem](https://www.tandem.co.uk/)
[^3^]: Full transcript available in the video.
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*Original video description from [YouTube](https://www.youtube.com/watch?v=VIDEO_ID)*
It’s our 13th video, and the third interview with an investor. We talk to Matthew Ford, a Partner at Mouro Capital, a $400M fintech venture capital arm of Santander, the 16th-largest banking institution in the world.
The fund invested in iZettle (acquired by PayPal for $2.2B), Socure ($96M raised), TrueLayer ($71M raised), and others.
Matthew joined the fund after founding/working at startups that applied data science to consumer finance. A money management app Pariti, founded by Matthew, was acquired by Tandem, a digital bank.
Among other things, we talk about:
– Fintech landscape
– Ways to identify a problem that a data sciences startup may solve
– Choosing between end-to-end and a software business models
– Prioritising investments in data science and finding product market fit
Timecodes for this interview are in the first pinned comment, enjoy!
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0:00 Intro
3:28 Recognising an opportunity when data is siloed
5:56 Founding a startup after working in other startups
7:09 Recognising the size of a data science opportunity in fintech
10:06 Customer development – interviews and a prototype
13:11 Fintech landscape, three major themes/layers
20:00 Two ways to spot a problem that data science can solve
23:39 Choosing between an end-to-end or a software startup
27:54 Personal preferences that help to decide
29:00 How an ideal team of a fintech startup may look like
32:41 What do you build – a data science organisation, or the one that has a data science team?
38:45 Prioritisation of what to focus on – data science and product market fit