{"title": "Life after RBS and pinBox Solutions | Sanjeev Kumar | Negotiator 36", "titleOriginal": "Life after RBS and pinBox Solutions | Sanjeev Kumar | Negotiator 36", "episodeNumber": "36", "guest": "Sanjeev Kumar", "publishedAt": "2020-09-09", "duration": "23:23", "durationIso": "PT23M23S", "youtube": "https://www.youtube.com/watch?v=T0nxN3iynz4", "fiCanonical": "https://www.neuvottelija.fi/fi/episodes/42-negotiator-36-life-after-rbs-and-pinbox-solutions-sanjeev-ku", "originalLanguage": "en", "format": "full", "topics": ["investing_markets", "finnish_economy_policy"], "description": "Sami Miettinen's former Royal Bank of Scotland colleague Sanjeev Kumar, based in Singapore, traces his path from running RBS's global corporate advisory business through MUFG to a new chapter — and explains why he joined the global advisory board of pinBox Solutions. pinBox builds digital micro-pension systems for low-income workers, especially women and the non-salaried: live in Rwanda and Kenya, just launched in India. The conversation compares Finland's collective pension system with Singapore's personal-account model, works through the allocation problem in defined-contribution schemes, and lands on why longevity, financial inclusion and impact investing make finance more interesting after the global financial crisis than it was before it.", "chapters": [], "sourceTranscriptType": "raw_text", "subtitleMethod": "none", "provenance": "Owner page assembled from the MacWhisper raw English transcript, YouTube metadata and the neuvottelija.fi episode record. The transcript carries no timecodes, so no chapter markers or caption files are asserted.", "slug": "ep36-elama-rbs-jalkeen-pinbox-solutions-sanjeev-kumar", "guestsCanonical": ["Sanjeev Kumar"], "guestPages": ["https://www.neuvottelija.com/podcast/guests/sanjeev-kumar/"], "page": "https://www.neuvottelija.com/podcast/episodes/ep36-elama-rbs-jalkeen-pinbox-solutions-sanjeev-kumar/", "markdown": "https://www.neuvottelija.com/podcast/episodes/ep36-elama-rbs-jalkeen-pinbox-solutions-sanjeev-kumar/index.md", "captions": null, "transcript": null}