Yaeli Darschevitz Tamary | ONE ZERO | How Do You Build a Digital Bank?

Description

Yaeli Darschevitz Tamary, Chief Product and Delivery Officer at ONE ZERO, explains how you set up a digital bank from scratch: a team of about 20 people, bankers alongside product and tech people, and 15 months of development to launch. She describes the vision of private banking for the masses, the subscription model designed to break the conflict of interest between bank and customer, and the mini squads of a business owner and a product manager who learn from each other. The conversation covers the club of the first 1,000 founders who gave feedback before launch, the 60-day Newborn customer journey, using open banking to deliver insights in the first minutes, and living with heavy regulation that can stall several sprints. Yaeli also shares her own path, from the family business through Payoneer to ONE ZERO, and what she looks for when interviewing product managers: seriousness, creativity and genuine passion for the product.

Key moments

1. 0:00 · Intro: what ONE ZERO is and how you set up a bank
2. 2:48 · Bankers and product people: joint mini squads
3. 4:14 · Private banking for the masses and the subscription model
4. 8:30 · The big insight: customer trust is hard to earn
5. 15:35 · Product manager skills: seriousness and creativity
6. 21:01 · Regulation and discovery at a bank that's also a fintech
7. 23:35 · Feature-level measurement: the Store, an AI feed and KPIs
8. 26:01 · The Newborn customer journey and open banking
9. 28:47 · The 1,000 founders club and the launch
10. 36:12 · Yaeli's path: from the family business through Payoneer to ONE ZERO