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Dr Emma Black - How to Start a Bank

Leadership Perspectives in Financial Services · 2026-05-18 · 1h 7m

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Episode notes

In this episode, I’m joined by Dr Emma Black - fintech entrepreneur, behavioural finance expert and co-founder of GB Bank and Cascade Cash Management. Emma shares the remarkable story behind launching one of the UK’s newest challenger banks, from spotting a regional funding gap to raising capital, navigating regulation and building a bank through lockdown. We explore the realities of entrepreneurship, leadership under pressure and what it really takes to turn a bold idea into a regulated financial institution. We also dive into Emma’s background in behavioural finance, the psychology behind financial decision-making and why access to capital remains one of the biggest challenges facing the regions today. Along the way, Emma reflects on: - The founding story of GB Bank - Building culture during rapid growth - Leadership lessons from elite sport and family influence - Raising capital with purpose-led storytelling - The importance of resilience, conviction and long-term thinking - Why financial education and inclusion matter more than ever This is a conversation about ambition, belief, legacy and creating meaningful impact through financial services.

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