Fintech Insider by 11:FS

Fintech Insider by 11:FS Podcast

Fintech Insider by 11:FS is a bi-weekly podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates, Leda Glyptis and Sarah Kocianski and joined weekly by a range of fantastic guests, they discuss the latest news, developments, and trends within the industry. On Fintech Insider Insights, they speak to subject matter experts for deep dives on APIs, AI, digital banking, and all other areas disrupting our industry. Fintech Insider Interviews brings you one-on-one interviews with the thought leaders and innovators transforming financial services. Whether you're a fintech expert or you're just keen to know more, then this is the podcast for you!

358. Insights: Financial Crime - The weakest link
Our expert hosts, David Brear and Will White are joined by some great guests to talk about financial crime. What is it, how does it manifest itself and how can we work to solve it? Our guests are as following: Francesca Hopwood-Road, Head of RegTech and Advanced Analytics at the FCA Simon McDougall, Executive Director, Technology Policy and Innovation at the ICO Nas Ahmed - General Counsel & Head of Risk in Exec at 11:FS We cover the following topics: Importance of getting it right Current state of play Use...

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357. News: The financial sector’s meltdown
Our expert hosts, Jason Bates and Simon Taylor are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include: Ali Niknam, CEO of Bunq Kirsty Grant, Chief Investment Officer at Seedrs Jonas Bøgh Larsen, Co-founder and CEO of Pento We cover the following stories from the fintech and financial services space: Banks surprised by PPI deadline surge (03:00) Big US sustainable funds fail to support ESG shareholder proposal...

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356. Interviews: Erik Qualman, author of Socialnomics
Our expert host, Sam Maule, is joined by some Erik Qualman, motivational speaker and best selling author for todays Fintech Insider Interview! Erik's best selling book Socialnomics Regulation in the financial industries Being the second most liked author after J.K. Rowling The importance of understanding of shared blame Transforming technology Outside in VS Inside Out All this, and much more on today's Fintech Insider Interview! Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking...

fintech banking financialnews digitalbanking bankingnews financialservices


356. Interviews: Erik Qualman, author of Socialnomics
Our expert host, Sam Maule, is joined by some Erik Qualman, motivational speaker and best selling author for todays Fintech Insider Interview! Erik's best selling book Socialnomics Regulation in the financial industries Being the second most liked author after J.K. Rowling The importance of understanding of shared blame Transforming technology Outside in VS Inside Out All this, and much more on today's Fintech Insider Interview! Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking...

fintech banking financialnews digitalbanking bankingnews financialservices

355. News: Google knows best
Our expert hosts, Sarah Kocianski and David Brear, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include: Joe Cross - Global Marketing & PR at TransferWise Rona Ruthen - Customer Operations Director at Monzo Bank Wincie Wong - Head of Rose Review Implementation, at RBS We also hear from Monese CEO Norris Koppel and Nick Harris, UK Partnerships Lead for Square! We cover the following stories from the fintech ...

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354. Interview: Boe Hartman, CTO Marcus by Goldman Sachs
On this episode of Fintech Insider Interviews, Sam Maule is in New York, in the Goldman Sachs offices, joined by Boe Hartman CTO and Partner at Marcus. Boe's role at Marcus and a very special announcement about his future role at Goldman Sachs The origin story and development of Marcus over the last 4 years Marcus' success to date both in the US and the UK The story behind the name "Marcus" for the brand All this and much more in today's interview! Fintech Insider by 11:FS is a podcast dedicated to all thin...

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353. News: Fintechs buying fintechs
Our expert hosts, David Brear and Sarah Kocianski, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include: Ben Chisell - Director of Digital product at OakNorth Husayn Kassai - CEO and Co-Founder at Onfido Bailey Kursar - CEO and Co-Founder of Toucan We also hear from US CEO of N26, Nicolas Kopp about their recent US launch We cover the following stories from the fintech and financial services space: N26 move...

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352. Insights: The future of cross-border payments
Our expert hosts, Leda Glyptis and Simon Taylor, are joined by some great guests on this insights show to take a deep dive in to the future of the payments industry and where we are going to see innovation coming from in this space! Our panel of guests include: Harry Newman - Head of Banking at SWIFT Andy Smith - CTO of Clearbank Nadya Hijazi - Head of GLCM Digital, HSBC On this insights episode, we cover the following topics What is correspondent banking? What is SWIFT and how is it shaping the future of t...

351. News: Keep calm and carry on investing
Our expert hosts, David Brear and Will White, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include: Emily Nicolle, Technology Editor at CityAM Marko Wenthin, CEO at Penta Olivia Vinden, Director at Alpha FMC We cover the following stories from the fintech and financial services space: Apple Card Launches For Everyone. Now Credit Is As Private As Cash (02:11) Global fintech investment falls sharply (15:53) N...


351. News: Keep calm and carry on investing
Our expert hosts, David Brear and Will White, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include: Emily Nicolle, Technology Editor at CityAM Marko Wenthin, CEO at Penta Olivia Vinden, Director at Alpha FMC We cover the following stories from the fintech and financial services space: Apple Card Launches For Everyone. Now Credit Is As Private As Cash (02:11) Global fintech investment falls sharply (15:53) N...

350. Insights: The RBS remedies fund
On this episode of Fintech Insider Insights, David Brear and Sarah Kocianski are joined by four guests, who all just happen to be winners of the RBS remedies fund! Our guests include: Andrew Smith - Chief technology officer at Clearbank - Pool A Alex Cardona - Co-Founder at Codat - Pool D Rob Angus, Chief Proposition & Finance Officer, Nationwide For Business - Pool B Simon Brown - Head of Business Banking at Atom Bank - Pool C On this insights episode we take a detailed look at the RBS remedies fund. We ...

349. News: Get rich quick!
Our expert hosts, Simon Taylor and Sarah Kocianski, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include: Stephen Lemon - Cofounder and VP at CurrencyCloud Carl Hazeley - VP at Finimize Caroline Plumb - CEO of Fluidly We also hear from Sam Maule, 11:FS MP and Wander Rutgers, President of Robinhood International! We cover the following stories from the fintech and financial services space: Remedies Pool C wi...

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348. Interviews: Nick Ogden, Founder of ClearBank and WorldPay
On this episode of Fintech Insider Interviews, David Brear is joined by fintech "founding father" Nick Ogden to talk about a variety of topics, including: Nick's background and who he is today The businesses he's founded and run including WorldPay Why he set up ClearBank Where he sees the fintech industry in 5 years What drew him into joining Funding Options as a Non Exec Chairman The most important things he's learnt during his career All of that and so much more on todays episode of Fintech Insider! Finte...

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347. News: Illegal fintech loansharks?
Our expert hosts, Jason Bates and Sarah Kocianski, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include: Richard Davies, COO at Revolut Simon Dix, CEO and founder of DX Compliance Solutions Joy MacKnight, Managing Editor at The Banker We also hear from Marko Wenthin, CEO at Penta, Brandon Chung, 11:FS JTBD Consultant, and Sam Maule, 11:FS Americas MD We cover the following stories from the fintech and finan...

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346. Insights: Jobs to be Done - The future of product design
On this episode of Fintech Insider Insights, Ryan Garner is joined by some expert guests to talk about all things Jobs to be Done. Our great guests include: David Brear, 11:FS CEO & Former Mettle CEO Alan Klement, JTBD expert and pioneer Justin Geaney, CPO at Virtual Bank by Standard Chartered Peter Collingridge, Director / Global Head, Entrepreneurs in Residence On this insights episode we take a detailed look at JTBD, including: What JTBD actually is - a lawnmover analogy How impactful it can be when desi...

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345. News: This is how you make money.
Our expert hosts, Simon Taylor and Jason Bates, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include: Mark Frampton, Analyst Relations Manager at Finastra Greg Michel, Head of Fintech, Cybersecurity & AI at Tech Nation. Lois Ollerenshaw, Venture principal at Nationwide building society We also hear from Virginie O’Shea, Research director at Aite Group We cover the following stories from the fintech and fin...

344. Insights: US Digital Transformation Special
Today our host, Sam Maule, is joined by some great guests, all from Fifth Third Bank. Our guests for todays episode include: Melissa Stevens, Chief Digital Officer, Head of Design, Innovation, & CX Justin Hendrix, VP & Senior Manager with the Innovation Team Joel Kashuba, SVP Design & Innovation In this episode we cover topics such as: * The innovative strategy of Fifth Third Bank * Why digital banking is actually quite difficult for incumbents * How the digital banking market in America is being transforme...

343. News: Trump’s gonna shut this down!
This week we have some great stories for you as David Brear and Simon Taylor are joined by a some great guests: Valentina Kristensen, Director, Growth & Communications at OakNorth Gary Rohloff, Co-Founder and Managing Director at Laybuy Sam O’Connor, CEO at Coconut We kick off the episode by taking a look at trading startup, Robinhood's latest raise, which valued the company at $7.6bn! Simon explains how the mobile only players in the market seem to be growing much faster, and Valentina says that this raise...


342. Insights: Atom Takeover ft. will.i.am.
Today we have an excellent episode for you! In this takeover show, David Brear and Leda Glyptis are joined by some great guests from Atom Bank including: will.i.am, Musician, Entrepreneur, Innovator, and Strategic Board Advisor Mark Mullen, Chief Executive Officer Simon Brown, Head of Business Banking Clare Framrose, Head of Personal Banking First up, we talk about Atom Bank and what sets them apart from the incumbent banks. Next up, we discuss AI, with will.i.am explaining why now is the most important tim...

341. News: More money is always good news!
This week we have some great stories for you as David and Sarah are joined by a couple of great guests: Amy Lewin, Senior Reporter at Sifted James Teodorini, European Partnerships Development Manager at Button Oliver Prill, CEO of Tide Megan Caywood, Global Head of Digital Strategy at Barclays We kick off the episode by taking a look at how British fintech booms as 2019 is set to be a record year for UK investment. To start us off, we have a soundbite from Jo Oliver, Partner at Octopus Ventures, commenting ...

340. Interviews: John Glen MP, Economic Secretary to the Treasury
We start off the episode by discussing John Glen's role in the Treasury and London's fintech boom. He explains why he's excited about London's fintech scene, and that he's a regular user of fintech products. John and David then go on to talk about the potential effect of Brexit on fintech as well as John's vision for the future of financial services. All this and so much more on today's episode. Don't forget to subscribe so you never miss an episode, leave a review on iTunes and let us know your thoughts on...


339. News: Take that, cash. Card is great!
This week we have some great stories for you as Simon and Laura are joined by a couple of great guests: Jonathan Keeling - Partnerships Director at CrowdCube Alastair Thompson - Head of Business Development at Transferwise Ishaan Malhi - CEO of Trussle Simon Rabin - CEO of Chip We kick off the episode by taking a look at how Deutsche bank has had some pretty bad news lately. Germany's biggest lender has to slash 20,000 jobs and shed €50bn of assets. The first casualty was Deutsche's investment banking chief...

338. Interviews: Michael Jaconi, CEO of Button
We start off the episode by discussing Michael's background and what inspired him to found Button. He says that from a young age he's always been an entrepreneur, and explains how the acquisition of one of his first companies, a small startup aiming to help non-profits, lead to his inspiration for Button. Michael then goes on to talk about Button's mission and vision; to enable a consumer to find exactly what they want in a moment of intent, and by being able to do this and on a large enough scale they cou...

337. After Dark: FINinTheSun
We hope all of you who could make it enjoyed some #FINInTheSun as much as we all did! For episode 8 of After Dark some of London's finances' finest visited our home turf in Devonshire Square for our fintech street party. The show was buzzing after selling out in just 24 hours, with all of the guests who could get their hands on it, rocking our 'Swag to end all Swag!' For this After Dark show, Simon, Leda and Jason were joined by some great guests: Lianna Brinded - Head of Yahoo Finance UK Luke Griffiths - H...


336. Interviews: Money20/20 International Entrepreneurship Special
For this weeks episode we had the chance to sit down with some of the most interesting people on the fintech scene, straight from Money20/20 in Amsterdam! We got some really interesting insights, found out secrets to success and what the future holds for these companies. Mattias Kroner, formerly of Fidor Stephen Ufford, Trulioo CEO Giles Sutherland, Carta Worldwide MD Paul Riseborough Chief Commercial Officer at Metro Bank Tariq Hassan CEO of Code4000 To kick off this episode, Simon Taylor sits down with M...

335. News: You don’t have any unicorns!
This week we have some great stories for you as David and Simon are joined by a couple of great guests: James Ferretti - Solutions Engineer at Transferwise Alfie Marsh - UK and Ireland Sales Manager at Spendesk Ivo Weevers - Chief Product & Design Officer at Asto Mel Palmer - CMO at Exo Investing We kick off the episode by taking a look at how Bank of England welcomes tech companies! The Bank of England intends to open its vaults to tech companies for the first time, which will enable fintechs to offer paym...

334. Fintech Insider Interviews: Money20/20 Payments Special
In this episode, we bring you a payments special, with interviews from some of the top leaders in the fintech payments space! To start the episode, Jason Bates sits down with Harsh Sinha, CTO at Transferwise! Harsh tells us about Transferwise's organisational model, what the pros and cons are, and how you optimise ylou company for speed! We also talk about what it is like moving from Silicon Valley to join a small start-up in Europe, and how you create value for your customers. Next up, Jason sits down wit...


333. News: Everybody knows a Dave
This week we have some great stories for you as David and Simon are joined by a couple of great guests: Michael Fotis - CEO and Founder, Smart Money People Dean Butler - Head of Innovation at Prudential Shafali Gupta - VP Strategy & Ops at Fluidly We kick off the episode by taking a look at the winners from the latest RBS Remedies pool! Luckily, we actually have someone who is part of the group of winners on the panel! Shafali Gupta from Fluidly gives us some insights on how the last week has been over at F...

332. Interviews: Money20/20 CEO special
For this weeks episode we had the chance to sit down with the CEOs of some of the most interesting companies from Money20/20 in Amsterdam! We got some really interesting insights, found out secrets to success and what the future holds for these companies. First up, Jason Bates meets Ralph Hamers, CEO of ING! Last year, Ralph gave a keynote speech at Money20/20 and he tells us what has changed in a years time. Ralph gives us his insights on the digitalisation of banking and how mobile first is rapidly becom...

Fintech Insider USA: Alex Sion, Citi Ventures (S1E6)
Welcome back to the 6th and final episode of this new show, Fintech Insider USA! In this episode, Sam Maul meets Alex Sion, Co-Head of D10X at Citi Ventures! To start the episode, Alex explains what D10X actually is, and what the name stands for. The programme has been active for about 4 years and the consumer side is organised around two macro themes: modern life and economic vitality. Alex argues that the nuclear family has not existed for many years now and banks have been built around the image of the ...


331. News: With great data comes great responsibility.
This week we have some great stories for you as Simon Taylor and Brandon Chung are joined by a couple of great guests: Loral Quinn - CEO of Sustainably Scott Liddell - Head of Channel and Digital, CYBG We kick off the episode by taking a look at, well, ourselves! We are the news! Building the banking platform of the future with 11:FS Foundry! DNB, Norway's largest financial services group, has decided to extend its investment into 11:FS Foundry and is committed to building new services on the platform, init...

330. Interviews: Patrick Collison, CEO of Stripe
We start off the episode start by discussing Stripes global success. With the amount of payment companies out there, how have they reached such a success? We take the story so far back as to when the company was called /Dev/Payments! How do you create a successful company? Could it be as easy as listening to your customers and do what they want? David brings up one of Patricks quotes, If people don't think what you are doing is a little bit strange, maybe it's not strange enough. How do you find a strange ...

Fintech Insider USA: Derek Joyce, Klarna (S1E5)
Welcome back to the 5th episode of this new show, Fintech Insider USA! In this episode, we are extremely excited to bring you an interview with Derek Joyce, Vice President & General Manager, Global Accounts at Klarna! To start the episode, Derek explains Klarna's new operating model where each team has end to end accountability and ownership. How has this changed the work culture and what are the results? We continue by, of course, talking about the smoooth campaign with Snoop Dog and how the campaign has n...


329. News: Live from Money20/20
This weeks news show is coming to you straight from our 11:FS lounge at Money20/20 in Amsterdam! We have some great stories for you as Leda and Jason are joined by a couple of great guests: Bart Leurs - Chief Digital Transformation Officer at Rabobank Conny Dorrestijn - Founding Partner at BankiFi Jordane Giuly - Co-Founder and Head of Product at Spendesk Suresh Vaghjiani - CEO & Co-Founder at Tribe Payments We kick off the episode by taking a look at an article from Finextra about Money20/20 specifically:...

328. The F'in Debate - Live from Money20/20 Europe
How do you transform traditional banks to compete in the digital banking battlefield? Essentially, how do you win? DR Leda Glyptis is hosting this very special debate, live from Money20/20 Europe. The debate will be held between two teams, Brear's Bears and Bates' Bulldogs. The teams are made up of banking and fintech experts, including: Team Brear’s Bears: * David Brear - CEO and Co-Founder 11:FS - Team Captain * Megan Caywood - Managing Director, Global Head of Digital Strateg at Barclays * Gabrielle Inz...

Fintech Insider USA: Matt Burton, QED (S1E4)
This week Sam got the opportunity to sit down with Matt Burton, Partner at QED and the former CEO of Orchard! To kick off the episode, Matt tells us how he started out in the advertisement technologies space, how he now has three exits behind him and how he became Partner at QED Investors. Sam and Matt further discuss acquisitions, and how unfortunately most of them fail. How important is company culture, and how do you ensure a successful acquisition? Matt tells us his views on this matter! Not to be forgo...


327. News: Boom Time
This week we have some really interesting stories for you as David and Simon are joined by a couple of great guests: Gary Turner, a friend of the show and Co-founder and MD of Xero Helene Panzarino, MD of Rainmaking Colab Norris Koppel, CEO of Monese We kick off the episode by talking about the third major acquisition this year: Global Payments buys TSYS for 21.5 billion dollars! The combined company will be lead by a 12 member board and go by the name Global Payments. Gary points out that with a name like ...

Ep 326. Fintech Insider Live at FusionONE - a new era of finance
We are coming to you live from FusionONE! Today we have a brilliant live show for you with our hosts Simon and Sarah, and they are of course joined by some brilliant guests! Eli Rosner, Chief Product and Technology Officer, Finastra Eric Boyd, Corporate Vice President, Azure AI, Microsoft Andrew Smith, CTO ClearBank Today we take a deep dive in the new era of finance and how open platforms, emerging technologies and the rise of development talent will influense the industry. First up, our panel talks abou...

Fintech Insider USA: Michael Schlein, Accion (S1E3)
Welcome back to the third episode of this brand new show, Fintech Insider USA! In this episode, we are extremely excited to bring you a brilliant interview with Michael Schlein, CEO and president at Accion! Sam and Michael sit down to talk about the importance of financial inclusion and what Accion is doing to achieve that goal globally. Accion is a global non profit organisation dedicated to create a truly financially inclusive world. What needs to be done to achieve this goal and what tools are used to re...


325. News: Apple has my face
Hello from New York! This week, David and parts of his team are over in New York, and what an opportunity to have Sam Maule co-host this episode! This week we have some great stories for you, and of course some brilliant guests: Anna Irrera: Fintech Correspondent and Financial Companies Team Leader at Reuters Ian Kar: Product Consultant We kick off the episode by taking a look at JPMorgan Chase & Co will invest $125 million in programs to encourage people to save money! The goal in this is to aid the expans...

324. Insights: BlackRock WealthTech19
The world of wealth is changing and so is our mindset around money. We have new ways of saving money, and we are bombarded with new apps and services every day. We live longer but our lifestyles are changing. Still, we retire at the same age as previous generations which means our pensions have to last for a lot longer. Women and men are forced into the same pension buckets, but women often take time off their careers for parental reasons. Money and mental health are closely linked and we need to think abou...

Fintech Insider USA: Lowell Putnam, Plaid (S1E2)
Welcome back to the second episode of this brand new show, Fintech Insider USA! In this episode, we are extremely excited to bring you a fantastic interview with Head of Partnerships at Plaid, Lowell Putnam! Sam sits down with Lowell Putnam, Head of Partnerships at Plaid at a very exciting time for the company! Lowell Putnam was previously the CEO and Founder of Quovo which have now been acquired by Plaid. In this interview, Sam and Lowell talk about a recent couple of busy months for the company, writing y...


323. News: They're coming for Monzo!
This week we have some great stories for you as Sarah and co-host Adam are joined by a couple of great guests : Karen Kerrigan - COO of Seedrs Romi Savova - CEO and founder of PensionBee Iona Bain - blogger at Young Money as well as industry commentator, author and speaker We kick off the episode by taking a look at the remedies for small businesses story. Nationwide Building Society, Investec Bank and The Co-operative Bank have been granted a total of 80 million pounds from the RBS Remedies Fund Pool B. Th...

322. Insights: Are mortgages broken?
David and Jeff take a close look at mortgages, a painful process Jeff recently went through. Research shows that people who have gone through the process felt stressed, lost sleep, half of the couples rowed over the process and 1 in 10 couples stopped having sex! Furthermore, 1 in 10 sought GP help due to effects on mental health. What is broken here? The duo is joined by a panel of fantastic guests to tell us more about the mortgages market, why some of these challenges exist and what changes are coming: ...

Fintech Insider USA: New York Fintech Week (S1E1)
Welcome to this brand new show brought to you by 11:FS, Fintech Insider USA! In this week's episode, Sam Maule is at Empire Startups’ New York Fintech Week Conference where he was invited to mingle with some of the brightest and the best from the New York fintech scene and was able to record some interviews with some of the top speakers of the conference! We hope that you will enjoy these interviews, just as much as we have enjoyed recording them! Our fantastic guests for today's episode are: * Alexa von T...


321. News: Everything takes money
This week we have some excellent stories for you as David and Simon are joined by a few fantastic guests: Rebecca Duckworth, Chief Sales Officer at Quotevine Limited Louis Sutton, Co-Founder & Director at The Grapevine and host of I, Fintech Valentina Kristensen, Director of Growth and Comms at OakNorth Ryan Edwards-Pritchard, Managing Director at Funding Options We kick off the episode with Valentina making a big announcement regarding OakNorth entering the mortgage market. As mortgage processes can be con...

320. Interviews: Anthony Thomson, Founder of 86 400
Anthony Thomson is Founder of 86 400, Atom Bank and Metro Bank. Simon talks to Anthony about the Australian market and how he can apply the lessons he's learned from setting up UK challenger banks to Australia's financial sector, the differences between customer needs in the two countries and how to design a proposition for a brand new market. The pair also discuss the atmosphere Australia's regulatory environment creates for challengers and how new market entrants can operate in an area where incumbents ha...

319. News: I'm sorry, banks
This week we have some great stories for you as David and Simon are joined by a couple of great guests: Samantha Bedford, Head of Innovation and New Ways of Working, CYBG Freddie Villis, Google Account Manager: Finance at Snowdrop Solutions Oscar Williams-Grut, Senior Correspondent at Yahoo Finance We kick off the episode by taking a look at Central banks becoming the world's newest climate change activists. An open letter in support of climate change came from the Network for Greening the Financial System ...


318. Interviews: Innovate Finance Global Summit
We were at the Innovate Finance Global Summit this week to bring you a very special collection of interviews. Sarah sat down with some great guests to get an insight into the breadth of London fintech’s influence on a global scale, she speaks with: Charlotte Crosswell, CEO of Innovate Finance Chris Woolard, Exec Director of Strategy and Competition Rishi Khosla, CEO and Co-founder, Oak North Charles Ng, Associate Director-General of Investment Promotion at Invest Hong Kong. Sarah talks to the interviewee...

317. News: Nettles and dock leaves
This week we have some great stories for you as David and Simon are joined by a few great guests: Hiroki Takeuchi, CEO of GoCardless Solange Dive-Chamberlain, Head of Commercial Banking Strategy at LBG Chris Maddern, Co-founder & CPO at Button, formerly of Venmo Niall Cameron, Global Head of Corporate and Institutional Digital at HSBC We kick off the episode by taking a look at Station F, could it be France’s F-You to London’s fintech hub? Opened in June 2017, Station F is the world’s largest startup incuba...

316. Insights: Customer infantstructure
Ross and Adam are taking a close look at financial literacy, how fintech is encouraging better money management from a young age and how pocket money apps are pushing forwards innovation. They're joined by a couple of experts in the space: Louise Hill, COO of GoHenry Will Carmichael, CEO of Rooster Money The panel talks about the effects of activating customers early on in life, something banks have done really well with student accounts. They take a look at whether there's a responsibility to create educa...


315. News: Tech for Tech’s Sake
This week we have some great stories for you as Sarah and Simon are joined by a couple of great guests: Freddy Kelly, CEO and co-founder at Credit Kudos Ben Gleisner, CEO and Co-founder at CoGo Simon Vans-Colina, Engineer at Monzo We kick off the episode by taking a look at US lenders preparing for a recession. U.S. online lenders such as LendingClub Corp, Kabbage Inc and Avant LLC are scrutinizing loan quality, securing long-term financing and cutting costs, as executives prepare for what they fear could b...

314. Insights: Strong Customer Authentication
This week we take a look at something set to change payments for everybody as we talk about Strong Customer Authentication (SCA) Sarah is joined by some great guests to discuss the subject: Nilixa Devlukia, Head of Regulatory at Open Banking Olivier Godement, Product Manager at Stripe Daniel Chatfield, Engineer at Monzo Fred Liu, VP Identity and Risk Products at Visa We kick off the episode by taking a look at what's driving the introduction of SCA and the theoretical benefits around it. The group explains ...

313. News: Copy/paste product
This week we have some great stories for you as Jason and Adam are joined by a few great guests: Anthony Craufurd, Director, Venture and Startup Engagement at Visa Europe Chris Low, Senior Advisor at Motive Labs Emily Nicolle, Technology Editor at City AM We kick off the episode by taking a look at Standard Chartered expected to pay just over $1 billion to resolve U.S., U.K. probes. Standard Chartered Plc has agreed to pay $1.1 billion to U.S. and British authorities for conducting illegal financial transac...


312. Insights: Live! The future of money
Live from NYC's New York Fintech Week with the DIT Sam's joined by some great guests to talk about the future of money: Natalie Ceeney, Chair, Innovate Finance Robin Mackenzie, Chief Marketing Officer, De La Rue Andrew Boyajian, Head of North America, Transferwise Farrah Lakhani, Director, Growth and Operations at OakNorth Analytical Intelligence We kick off the episode by taking a look at the story so far and how the UK fintechs have developed world leading challenger brands offering new customer products ...

311. News: Make tax great again
This week we have some great stories for you as David and Ross are joined by a couple of great guests: Ken Hart, CEO and Founder of Snowdrop Solutions Megan Caywood, Managing Director at Barclays We kick off the episode by taking a look at Revolut's newest scandal reveal. The Financial Conduct Authority has made enquiries into Revolut after being contacted by an ex-employee whistleblower who passed on their concerns regarding compliance and the CEO’s conduct as far back as 2016. Megan comments that it seem...

310. Insights: Finastra takeover
David and Simon are with some great guests from Finastra, including: Simon Paris, CEO Eli Rosner, Chief Product and Technology Officer Martin Haering, Chief Marketing Officer Nicola Hamilton, Senior Director, Brand and Communications We're bringing you an insight into how to manage diverse sets of client requirements, handling varying paces of change and overcoming the hurdles regarding legacy brands. We also talk to Finastra about their Corporate Social Responsibility (CSR) initiatives, how the company int...


309. News: Sassy AI
This week we have some great stories for you as David and Leda are joined by a couple of great guests: Conny Dorestijn, Founding Partner at BankiFi Ryan Edwards-Pritchard, MD of Funding Options We kick off the episode by taking a look at Apple Card, Apple announced the launch of a credit card designed to help customers lead a healthier financial life. It offers no fees of any kind and encourages customers to pay less interest. Conny comments that it's a cool product that can deliver an excellent user experi...

308. Insights: Fintech Friday in Luxembourg
Last year we introduced you to the wonderful world of Luxembourg fintech through LHoFT, nine months later we've been invited back. Laura Watkins explores how Luxembourg has solidified its place in Europe as a fintech hub and how this tiny country plans to extend its reach globally by talking to some of the key players in Luxembourg's fintech space, including: Pierre Gramegna, Luxembourg Finance Minister, Nasir Zubairi, CEO of LHoFT - (lux House of Fin Tech) Susanne Schartz, Chief Operating Officer, Seqvoia...

307. News: Tinder for banking
This week we have some great stories for you as David and Jason are joined by two great guests: Caroline Plumb, CEO of Fluidly Simon Balmain, Operations and Community Specialist at Monzo We kick off the episode by taking a look at WorldPay selling to FIS and changing its tech stack. The group comments that it's not a modern way to approach tech stack spending, it's an oldschool way of doing things and 600M is a large amount to spend over 6 years to maintain technology (02:36). Next up, we talk about Barcla...


306. Interviews: Benoit Legrand, CIO of ING
Benoit Legrand is CIO of ING. Simon talks to Benoit about his unsuccessful startup experiences and what they taught him, how ING sees itself as a 20 year old fintech, why some banks are afraid of PSD2 and how to focus on the problems customers are facing. They also take a look at Yolt, developing resistence to change and the importance of having a team dedicated to delivering change, why the scale of partnerships matter and touch on Brexit. We hope you enjoyed the show! Don't forget to subscribe so you nev...

305. News: Graceful degradation
This week we have some great stories for you as Sarah and Simon are joined by a couple of great guests: Daniel Hegarty, CEO of Habito Sharon O’Dea, founder of communications and collaboration consultancy Lithos Partners We kick off the episode by taking a look at the RBS trials for a biometric fingerprint bank card. Sarah thinks it's not a terrible idea and a potential solution to upcoming Strong Customer Authentication (SCA) demands. But Simon and Daniel disagree. Simon thinks the whole thing is a gimmick ...

304. Interviews: David Duffy, CEO of CYBG
David Duffy is the CEO of CYBG. Simon talks to David about CYBG's recent acquisition of Virgin Money, how the challenger narrative is shifting and why integrating a challenger brand into CYBG's existing services might be easier than industry commentators believe. They also take a look at Brexit, the future of the industry, how fintech and banks can partner together and what role the big tech platforms can play. We hope you enjoyed the show! Don't forget to subscribe so you never miss an episode, and follow...


303. News: Magic beans
This week we have some great stories for you as Sarah and Simon are joined by three great guests: Mel Palmer, CMO Exo Investing Matt Valentine, Barclays UK Ventures Ali Paterson, Editor in Chief, Fintech Finance We kick off the episode by taking a look at some of the problems Revolut have been suffering from lately and the culture issues that are on-going. The general consensus is that response from Revolut has been tone-deaf at best and a great product is being lost to reputational issues, although Sarah d...

302. Insights: Women in financial services
Coinciding with International Women's Day, Sarah is hosting an episode that shines a spotlight on the financial industry's documented lack of equality and many headlines are made of the gender pay gap and many other negative aspects. But it’s not all doom and gloom. Our roundtable goes over a wide range of topics, looking at their personal experiences as women in financial services, the gender (im)balance at work, what's changed in the industry, differences in gender equality at incumbents and fintechs, how...

301. News: Not cashless but less cash
This week we have some great stories for you as David and Sarah are joined by four great guests: Nick Bortot, CEO of Bux Max Rofagha, CEO of Finimize Nicholas Megaw, Retail Banking correspondent at the FT Damian Richardson, Head of Product, New Digital Customer Propositions, Services at NatWest We kick off the episode with a close look at the winners of the RBS Remedies fund announced last week and wonder why some were snubbed. Max Rofagha points out how anti-competitive the awards were but it remains to be...


300. Insights: This. Is. Fintech.
It's been a long two and a half years. But we've finally hit a huge landmark with our 300th episode. This episode is an 11:FS special with some of your favourite hosts: David Brear Simon Taylor Sarah Kocianski Ross Gallagher Jason Bates Plus extra special guest Marko Wenthin, Co-Founder of Solarisbank. Our panel take a trip down memory lane, going over the early days of trying to figure out audio editing, why we took the approach that we did and how taking a conversation from the pub after a conference cr...

299. News: Buzzwords for everyone
This week we have some huge stories for you as David and Simon are joined by two fantastic fintech CEOs: Tom Blomfield, CEO of Monzo Romi Savova, CEO of PensionBee We kick off the episode with a story that'll give you 24 billion reasons to be impressed with the state of the UK's financial industry. It's the first time the four biggest lenders have made more than £20BN since 2007 and while it might appear to be a return to the good old days of pre-financial crisis finances, Romi points out that although the ...

298. Insights: The future of cloud
Sam Maule talks to AWS, Raifeissen Bank, Broadridge, FICO and Liberty Mutual on how Cloud is the new normal, moving to product and development cycles to Cloud in a matter of days rather than quarters and how capital markets and major banks are driving forwards Cloud adoption. Agility tends to be the main theme behind Cloud adoption and integration but no-one's underestimating the human component. Technology might be a huge factor in financial services but people are the ones who ultimately drive these compa...


297. News: Talking poop
This week we have some huge stories for you as Sam's joined by: Teana Baker-Taylor, Exec Director and Board Member, Global Digital Finance Alexa Fernandez, Open Innovation & Ecosystem Builder at BBVA Joaquin Ayuso de Paul, CEO of Denizen Mark Meisner, CEO of Gen6 Ventures We kick off the show for a US perspective on the super merger that broke on last week's show. Two of the US’ biggest banks merge to become a super bank, as BB&T buy SunTrust for $28BN in stock. It's a phenomenal merger and every one of our...

296. After Dark: Digital Love
Can you feel the #digitallove? We certainly could at the first After Dark of 2019. Just one day before Valentine's Day over 200 of finances' finest entered the tower of One Canada Square in Canary Wharf. Set high above the city of London at Level 39, it was standing room only for a show that sold out in six hours. Before we started the show with our first fin-couple, a rebearded David kicked off support for the 11:FS charity of 2019, Mind. Text GIVI88 to 70070 with your chosen amount to donate. Our first p...

295. News: The Revolut will be advertised
This week we have some massive stories for you as David and Simon are joined by: Mel Palmer, CMO at Exo Investing Saumeel Pachigar, Head of Partnerships at acasa Viktor Nebehaj, CMO at Freetrade Iona Bain, Author, speaker, commentator at Young Money blog We couldn't NOT kick off with the story causing the most noise this week, and we were lucky enough to have Iona join us on the show to give us her perspective. Of course we're talking about THOSE Revolut-ionary Valentine's day tube adverts that caused a Twi...


294. Insights: Money and Mental Health
There's no question about the impact finances have on mental health and with today being Time to Talk Day (7th February) we wanted to take a closer look at how finance interacts with the mental health problems that affect 1 in 4 of us. Time to Talk Day wants to break down the stigmas around mental health and get people talking more openly about it. Sarah's joined by Katie Evans, Head of Research and Policy, Money and Mental Health Policy Institute, Joe Surtees, Policy Manager at the Single Financial Guidanc...

293. News: Ain't nothing but a GFIN
Our hosts David, Simon and Sarah are joined by Oscar Williams-Grut, Senior City Correspondent at Yahoo Finance, Valentina Kristensen, Director, Growth and Communications at Oak North and Livia Benisty, Head of Financial Crime at Mimiro. First up, China launches an app to dob in debt 04:01 Lloyds unveils 100% mortgage for first-time buyers 10:32 TrueLayer launches Open Banking-based payments API 20:27 FCA launches GFIN 27:37 We spoke to Anna Wallace from the FCA to tell us more 33:37 11:FS AMA with a questio...

292. Interviews: Michael Rouse, CCO of Klarna
Michael Rouse is the CCO of Klarna. David talks to Michael about avoiding the trap of copying others, partnering with a brand as unique as Snoop Dogg's, and the evolution of payments in a broad sense, beyond simply moving money into a service and discovering the new areas of innovation. They also look at how to become both big and fast in the space and how that is born from creating a culture that allows people in the company to act autonomously. Michael talks about how empowering the leaders of Klarna's te...


291. News: My relationship is contactless
Our hosts David, Jason and Sarah are joined by Daniel Macklin, Co-founder of So-Fi, board member and Angel Investor, Daniel Lowther, Head of FinTech at CCgroup and Freddy Kelly CEO of Credit Kudos. First up, Snoop Dogg Invests In Klarna, Sweden's $2.5 Billion Unicorn 02:49 We've also got a great cutaway from Aoife Houlihan, VP Communications and Public Policy at Klarna to tell us more about the partnership 11:16 Square launches debit card for businesses 15:04 Google hit with £44m GDPR fine over ads 20:10 A...

290. Interviews: Reuben Lai, Grab Financial Group
Reuben Lai is Senior Managing Director of Grab Financial Group. Simon talks to Reuben about making taxis safe, opening bank accounts for those used to relying on a cash-first economy and how Grab Financial Group rose so high in the markets so fast. Reuben talks about how Grab Financial worked to turn one of the least safe industries in Malaysia into reputable and safe service through fintech, removing the cash element of transactions to improve standards and ensure customers know what they're getting. Gra...

289. News: Meaningful Merging
Our hosts Ross and Sarah are joined by Lianna Brinded, Head of Yahoo Finance UK at Yahoo, Lucy Woolfenden, Marketing Director at Yolt and Wincie Wong, Head of Innovation for Supply Chain Services at RBS. First up, Fiserv to acquire First Data in all-stock deal with equity value of $22 billion 01:38 We spoke to 11:FS Managing Director of the Americas, Sam Maule to get his perspective on the Fiserv story 08:13 Atom Bank hires advisers ahead of potential Spanish bid 10:56 AccessPay banks $9 million in new fund...


288. Interviews: Steve Bartlett, Social Chain
Steve Bartlett is an entrepreneur and Founder of Social Chain. David talks to Steve about technological curves, disrupting the mobile phone, building brand love and the power of being transparent. We hope you enjoyed the show! Don't forget to subscribe so you never miss an episode, and follow Fintech Insider on Twitter or Facebook. If you really loved it, please leave us a review, we love reading them! This episode was produced by Laura Watkins and edited by Alex Woodhouse Special Guest: Steve Bartlett....

287. News: Bank like Rihanna
Our hosts David, Jason and Leda are joined by Jeppe Rindom, CEO of Pleo, Saalim Chowdhury, Partner at 500 Startups and Simon Vans-Colina, Engineer at Monzo. First up, RBS takes stake in student-focused fintech 02:22 Google gets go-ahead from Central Bank for payments 08:52 Two-Thirds of Financial Decision-Makers Believe Tech Giants Will Offer Retail Banking in Five Years 13:29 Logging In to Your Bank Account Is Now a $3 Billion Business 15:25 Our Open Banking expert, Adam Davis had a few minutes to bring a ...

286. Interviews: Howard Marks, Co-Founder, Activison and StartEngine
Howard Marks is Co-Founder and CEO of StartEngine with a long history in the gaming industry, he co-founded Activision and founded Acclaim, and has unique expertise in innovating within echnological limitations, turning around failing businesses and raising capital. Simon talks to Howard about how to help entrepreneurs achieve their dreams and the difficulties of raising capital unless you bootstrap the business. Howard wanted to solve the problems entrepreneurs face in raising funding, especially when entr...


285. News: Techlash
Our hosts Simon and Adam are joined by Emily Nicolle, Technology Reporter at City AM and Valentina Kristensen, Director of Growth and Comms at OakNorth. First up, Starling Bank reviewing data policy after customer complains his passport was shared in a web link 01:41 (https://fi.11fs.com/449?t=101) 2019 looks to continue another lights-out year for fintech startups 06:51 (https://fi.11fs.com/449?t=409) Google just nabbed an e-money license and it highlights the serious threat tech companies pose to incumben...

284. Interviews: Bart Leurs, Rabobank
Bart Leurs is Chief Digital Transformation Officer of Rabobank, he joined the company two years ago to drive its fintech innovation and came from ING where he headed up its digital transformation. Jeff and Bart talk about scaling up to a full fledged digital bank in the retail market, what it's like to be a part of an industry shift, what digital transformation means to Rabo Bank, why customers are driving the change in digital and why the meta of digital is going to disappear. We hope you enjoyed the sho...

Ep. 283. Bonus: Blooper Reel 2018
Happy New Year's Eve to all of our listeners. To give you one last fintech laugh before the end of the year we've got a quick collection of the stumbles, fumbles and absurdly mispronounced names from all the recordings this year. The stuff that doesn't usually make it in. We hope you have a great celebration tonight and can't wait to see you for even more fintech goodness in the new year! Produced by Laura Watkins. Edited by Alex Woodhouse....


Ep. 282. Insights: Our Fintech Predictions 2019
We've got a roundtable of some of the most beloved fintech podcast hosts there are. They're all ours. Sarah's takes David, Simon, Jason, Ross and Leda through what we think's going to happen in fintech in 2019. We look back at some of our favourite moments that happened in fintech this year, before taking a look at some of the things we're most excited about for 2019. This includes: how big banks are changing, creating their own digital challengers, consolidation in the challenger market and the back offic...

Ep. 281. Insights: 2018 in Review
You might’ve seen on Twitter we’ve been running an advent calendar of the 11 Days of Christmas, with our top things from across fintech and banking in the last year. Today we’re going to take a deep dive on those: Open Banking. The initiative launched almost exactly a year ago on 13th January and it's not exactly an overnight success. The CMA9 were not ready, but fintechs and FS providers welcomed it. We take a look at how far we have come since it began. We take a look at GDPR, if anyone was ready, how suc...

Ep. 280. Insights: US financial health
We discover what financial inclusion really is, what it really means, what financial health is and the reasons behind the wealth gap in the USA. We spoke to some of the best industry experts there are to get you the clearest picture: John Hope Bryant, CEO of Operation Hope Dr. Anita Ward, President of Operation Hope Jennifer Tescher, founder of the Center for Financial Services Innovation Isabelle Barrès, Vice President at the Center for Financial Inclusion at Accion and Global Director at the Smart Campaig...


Ep. 279. News: It only works if you're alive
Our hosts Simon and Leda are joined by two great guests, Livia Benisty, Head of Financial Crime at ComplyAdvantage and Ryan Edwards-Pritchard, MD at Funding Options. First up, Revolut’s brand new banking licence. British fintech unicorn Revolut wins banking licence. Revolut has secured a European banking licence from authorities in Lithuania, allowing them to start offering current accounts and loans across the EU from early next year. Initial focus on Lithuania, where it has about 150,000 customers, befor...

Ep. 278. Fintech Insider: Live - Payments (F)innovation
In this week's insights show we're bringing you reindeer burgers, christmas trees and death metal. We've also got some great insight into the payments innovation taking place in Scandinavia, what the future of payments will look like and whether or not cash will be removed from society entirely. We've got Finland, Iceland and Sweden represented this evening so there's a ton of local insight for you to enjoy. Our amazing guests include: Kristian Luoma, Head of OP Labs at OP Aoife Houlihan, VP of Communicat...

Bonus Sneak Peek: Vitalik Buterin, Founder of Ethereum
Simon's with the founder and creator of Ethereum, one of the largest cryptocurrencies, Vitalik Buterin to talk about the future and enterprise capabilities of DLT, blockchain and Ethereum. And just what are zero-knowledge proofs? Here's a little sneak preview on what happened. Listen to the full interview on Thursday 13th December over on Blockchain Insider - bi.11fs.com Special Guest: Vitalik Buterin....


Ep. 277. News: Sons of Breaches
Our hosts Simon and Ryan are joined by Menno van Leeuwen, Head of Business & Customer Development at Moneyou, Guy Stiebel, VP Products at SCANOVATE and Paul Stamper, Head of Financial Services, Ipsos MORI. First up, all the misinformation in the world. Monzo attacked for lending customers money to buy its shares. Monzo, has been accused of “going beyond the pale” by allowing its customers to get into debt to buy its shares. As discussed on last week’s show, Monzo is aiming to raise £20 million through crow...

Ep. 276. Insights. Regtech: where innovation meets compliance
In this week's insights show we're bringing you a deep discussion on what's happening in the regtech space. We have some brilliant experts to take on these issues including: Jason Boud, CEO of Regtech associates Diana Paredes, CEO + Co-founder Suade Labs Nick Cook, Head of Regtech & Advanced Analytics FCA Nas Ahmed, General Counsel, 11:FS Our roundtable talks about what regtech is solving for, the costs of compliance and risk, what hurdles exist to the adoption of regtech by big financial institutions, tec...

Ep. 275. News: Ritual Humiliation
Our hosts Sarah and Simon are joined by Emily Nicolle, Technology Reporter at CityAM, Valentina Kristensen, Director of Growth & Comms at OakNorth and Sophie Winwood, Investment Associate at Anthemis Group. First up, Show me the money! Monzo are crowdfunding for the last chunk of its series E fundraising round. Fundraising with a target of £20M. Existing Monzo investors will get early access to the round from 3 December. The round will then be opened up to other Monzo customers, who can invest up to £2,000...


Ep. 274. Insights: Open Banking - a never ending story?
In this week's insights show we're bringing you a deep discussion on what's happening in the Open Banking space. Our roundtable talks about the challenges involved in implementing the rules and regulations around Open Banking and takes a look at the thorny problem of getting customers to buy-in to Open Banking. We have some of the best guests around to help: Adam Davis, Head of Delivery at 11:FS Dan Globerson, Head of Open Banking at RBS Faith Reynolds, Independent Consumer Representative for Open Banking ...

Ep. 273. News: The zombie account scenario
Our hosts Simon and Leda are joined by Dave Cunningham, CEO of Priviti and Ryan Weeks, Editor at Altfi. First up, Swiss banks raided by antitrust watchdog over mobile payment allegations. A group of Swiss banks are under investigation by the country's antitrust authorities over whether they boycotted mobile payment services from Apple and Samsung in order to improve the prospects of their own competitive offering called Twint. Offices at UBS, Credit Suisse, PostFinance, Swisscard AECS, and Aduno Holding, ...

Ep. 272. Insights: Live! From Xerocon 2018
In this week's insights show we're bringing you a supersized episode of the best content from Xerocon 2018. A conference like no other is their tagline and this proved to be true, as we bring you some of our highlights from our Xerocon 2018 experience. First off, Sarah Kocianski sat down with some fantastic industry experts from across the world of SMB finance and accounting to get some great insights. You will hear from: Gary Turner - Co-founder and UK CEO, Xero Sian Kelly - MD, Inform Accounting Alexis Pr...


Ep. 271. News: Ericas & 'Mericas
Our hosts Simon and Jason are joined by three great guests: Joost Lobbes, Product Manager at Rabo Bank, and Diana Paredes, CEO of Suade Labs. First up, CYBG cans Virgin Money deal with Anthony Jenkins startup. The new owner of Virgin Money has canned a long-term deal with a digital banking start-up launched by Anthony Jenkins, the former Barclays chief executive. Not entirely unexpected, since David Duffy, CYBG's chief executive, had hinted since securing a £1.6bn deal to buy the bank that it was likely to ...

Ep. 270. Insights: Wealth Roundtable
We’re going to talk about digital wealth management and the new models and products that are emerging in this space, and the evolution of some others. We speak to a great line up of experts to get the inside information: Adam Dodds, CEO of Freetrade Dr. Ella Rabener - CMO & Co-Founder of Scalable Capital Joe Parkin - Head of Wealth & Retail at Blackrock Kai Eggert - Chief Product Officer at Huddlestock We begin by discussing the much debated topic that is the democritization of investing. Is it ethical to...

Bonus: will.i.am and Atom...Boom Boom Pow!
Sadly David didn't get to interview will.i.am himself. But Leda Glyptis, 11:FS Chief of Staff managed to catch up with the investor (and singer) to talk about Atom Bank, AI, financial inclusion and the future of finance. This bonus episode was produced by Laura Watkins and Petrit Berisha. Edited by Michael Bailey. Special Guests: Leda Glyptis and will.i.am....


Ep. 269. News: Mi data, su data
Our hosts, David M. Brear, Simon Taylor and Jason Bates are joined by two great guests, Sigridur Sigurdardottir, CEO of Asto and Ali Paterson from Fintech Finance. First up, Lloyds is 'digitising'. Britain's biggest high street lender will this week announce plans to create 8,000 jobs as part of a £3bn transformation and technology investment programme. Lloyds Banking Group will announce on Tuesday that it is cutting around 6,000 existing roles but establishing approximately 8,000 new posts, leading to a n...

Ep. 268. Interviews: Ben Davey, Barclays UK Ventures
Ben Davey is the CEO of Barclays UK Ventures, a former chancery barrister, he worked as CSO of Barclays Investment Bank and Group Head of Strategy of Barclays before taking on his current role. Simon and Ben talk about the challenges surrounding fintech startups and how banks are looking to creating strong lasting partnerships with them. They also talk about Ben's journey from the bar to the bank and whether he ever had to wear a wig and gown. We hope you enjoyed the show! Don't forget to subscribe so you ...

Ep. 267. News: Initiative Q - witnessing the end of humanity
Our hosts, Simon Taylor and Leda Glyptis are joined by three great guests: Max Rofagha, CEO and Founder at Finimize, Husayn Kassai, CEO at Onfido and Lisa Jacobs, CSO at Funding Circle. First up, Banking services for the unbanked! Singapore-based Grab started as a taxi-booking app but is expanding into areas like parcel and food delivery and financial services. Grab's partnered with Mastercard to issue virtual and physical prepaid cards tailored to Southeast Asian consumers, with the aim of expanding use o...


Ep. 266. Interviews: Show me the Money20/20 USA Marcus, N26, Tala and more
We've got some of the best content from Money20/20 USA for you this week. With six interviews from some of the biggest names in the industry: Omer Ismail, Head of Goldman Sachs US Consumer Business (Marcus) Jason Gardner, CEO of Marqueta Shivani Siroya, CEO of Tala John Hope Bryant, CEO of Operation Hope, Promise Homes and Bryant Group Ventures Nicolas Kopp, US CEO of N26 Rilla Delorier, Chief Strategy Officer of Umqua Bank We hope you enjoyed the show! Don't forget to subscribe so you never miss an episode...

Ep. 265. News: Live from Money20/20 USA
Our hosts, Simon Taylor, Sam Maule and Sarah Kocianski are joined by great guests in three groups. Group one: Courtney Kelso Senior Vice President at American Express, Samant Nagpal Global Head of Amazon Business Payment Products at Amazon and Mark Heimbouch COO at Worldpay Group two: Shannon Johnson Group President of Financial Institutions at Cardlytics and Ken Lin Founder and CEO at Credit Karma. Group three: Ian Ormerod Head of New Digital Business at BBVA and Matt Loos Senior Product Manager for Global...

Ep. 264. Insights: F’in Debate live from Money20/20 USA
Today's insights show comes to you live from Money20/20 in Las Vegas at the Leadership Loft. Sarah Kocianski is moderating the debate between Team USA and Team ROW. Sam Maule's representing 11:FS in Team USA and Simon Taylor's doing the same on Team ROW. We debate which parts of the world are best at different parts of banking, with the aim of building a hybrid multi-national bank of the future: Building a bank. Regulation, who does it best? Data, where is it used best? Neobanks and user experience. It's...


Ep. 263. News: Digital all the way down
Our hosts, David M. Brear and Simon Taylor are joined by two great guests: James Hurley, Enterprise Editor, The Times and Kirsty Grant, Investment Director, Seedrs. First up, we've got an insight into 11:FS Foundry and our partnership with DNB. David sat down with Leda Glyptis, Foundry CEO and Rasmus Figenschou, Group EVP for New Business, and our strategic partner at DNB. Two-thirds of Amazon Prime members would try banking with the retailer, according to Bain study. Bain surveyed 6,000 U.S. consumers rece...

Ep. 262. Insights: Live from BBVA Open Summit!
Today's insights show takes a closer look at how to move faster at scale and operating in agile creation models. We also take a look at what happens to data when it enters a platform, understanding how data and platforms interact with businesses and consumers, as well as the dynamics of marketplaces and platforms. We speak to the best experts to find out more: Derek White, Global Head of Customer Solutions at BBVA Ian Ormerod, Head of New Digital Business at BBVA Juho Makkonen, Co-Founder and CEO of Sharet...

Ep. 261. News: Reinventing retail
Our hosts, Simon Taylor and Ross Gallagher are joined by two great guests: Bill Gajda, Head of Global Strategic Partnerships at Visa and Dr Sian Lewin, The Reg Doctor. First up, Gambling Blockers aren’t just a gimmick. Monzo and Starling’s gambling blockers have gained praise in the BBC for helping addicts kick the habit. More than 25,000 customers have signed up to Monzo’s block since it went live in June. "Not all of those were problem gamblers [but] about 8,000 people did have a history of gambling," say...


Ep. 260. Insights: Product Design in fintech and banking
Today's insights show takes a closer look at what it means to create good digital products, how to give products room to breathe before they're abandoned and how to make, test and iterate. We speak to the perfect experts to find out: Louise Smith, Head of Design for the Personal and Business Bank, RBS/NatWest Hugo Cornejo, Head of Design at Monzo Rob Brown, Global Head of Marketing, Design and Responsible Business at BBVA Domenico De Fano, Product Owner at Revolut This episode was written and produced by La...

Ep. 259. News: We are the news
Our hosts, Simon Taylor and Ross Gallagher are joined by three great guests: Nina Mohanty, Business Development at Bud, Lianna Brinded, Head of Yahoo Finance UK and Lesley-Ann Vaughan, Co-Creator of M-Pesa and 11:FS Product and African Markets Expert. First up, RBS prepares to launch standalone digital bank. RBS announces plans to launch “Bó” a new digital bank to try and compete with Monzo et al. Launching next year, it will only be available on mobile and RBS want to migrate 1M NatWest customers over to ...

Ep. 258. Insights: Healthtech
Today's insights show takes a closer look at what's going on in the Healthtech space. We take a look at: how people engage with their health, companies looking towards preventative measures, whether healthcare should be more patient-centric, crossovers with insurtech/fintech/healthtech and much more. We're joined by some fantastic guests: Amit Patel, Director of New Ventures at Bupa Nick Tate, VP Global Digital Innovation at GSK Matt Lenzi, Director at Hanno Paul Bate, Director of NHS services at Babylon H...


Ep. 257. News. My love affair with Marcus
Our host, Sarah Kocianski is joined by four great guests: Leda Glyptis, Chief of Staff at 11:FS, Joy Macknight, Deputy Editor at the Banker, Helene Panzarino, MD at Rainmaking Colab and Angelique Schouten, Global Board Member at Ohpen to talk about all the latest news in fintech. Including: First up, ING’s money laundering fine. Dutch bank ING admitted criminals had been able to launder money through its accounts and agreed to pay €775 million ($900 million) to settle the case. Dutch financial crime prosec...

Ep. 256. Insights: PensionBee takeover
Simon and Sam are with Romi Savova, CEO of PensionBee, Jasper Martens, CMO of PensionBee and Jonathan Lister Parsons, CTO of PensionBee. We're bringing you an insight into the pensions landscape, how regions outside of London are affecting pensions, the impact of open banking and gender imbalances in saving, as well as how financial education can increase savings. We also talk to PensionBee about their 'battle' with the incumbents of the pension industry as well as how pensions can evolve in the future. W...

Ep. 255. News: Really great at charts
Our hosts, David M. Brear, Sam Maule and Simon Taylor are joined by two great guests: Ahmed Zaidi CTO at Catalyst AI and Kathryn Harris Innovation Lead at Lloyds Banking Group, to talk about all the latest news in fintech. Including: Starling closes their community. Citing several factors for the move, such as lack of use by most customers, the forum being a distraction for the company from core focus and a vocal minority misunderstanding its purpose. Starling’s post also made reference to banking being a ...


Ep. 254. Interviews: Shamir Karkal, Co-Founder of Simple Bank
Shamir Karkal is Co-Founder of Simple Bank, he was the CFO during his time there and is now the CEO and Co-Founder of Sila. Sarah and Shamir talk about the genesis of Simple Bank and how it developed into a unique banking proposition that delivers a minimum loveable product. They also talk about the journey that Simple had to navigate in order to achieve its success and how frustration with an issue no-one else was paying attention to led to a successful business. We hope you enjoyed the show! Don't forget...

Ep. 253. News: Bucking the trend of Brexit
Our hosts, Sarah Kocianski and David M. Brear sit down with three great guests: Dr. Louise Beaumont, Independent, working with players across the industry to ensure disruption, Daniel Hegarty, CEO of Habito, and Adam Dodds, CEO of Freetrade to talk all about the latest news in fintech. Including: British airways breach and banks’ reactions. The airline said personal and financial details of customers making or changing bookings on two specific dates had been compromised. About 380,000 transactions were aff...

Ep. 252. Insights: Islamic Fintech
Today's insights show takes a closer look at what's going on in the Islamic finance space. We take a look at what Islamic Fintech actually is, its global scale, what makes it different from other areas of fintech, how it fits in with the push towards ethical fintech, and much more. We speak to the best experts to answer all these questions: Abdul Haseeb Basit - Co-founder and Principal, Elipses Harris Irfan - Partner at Gateway and Chair of the UK Islamic FinTech Panel Stella Cox - Managing Director, DDCAP ...


Ep. 251. News: “I haven’t had a debit card for over 2 months”
Our hosts, Sarah Kocianski and Ross Gallagher sit down with two great guests: Lois Ollerenshaw, Ventures Principal at NBS Ventures and Valentina Kristensen Director of Growth and Communications at Oaknorth to talk all about the latest news in fintech. Including: Standard Chartered’s new CEO and virtual banking licence, David has a great interview with Samir Subberwal, Head of Retail Banking at Standard Chartered to get the inside scoop on the story. Standard Chartered Bank in Hong Kong has set up an entity ...

Ep. 250. Insights: Luxembourg (the biggest fintech hub you've never heard of)
Today's insights show takes a closer look at what's going on in the fintech space in Luxembourg. How can a fintech hub be such a big deal if no one’s ever heard of it? Where is Luxembourg anyway, isn’t it that tiny country sandwiched between France, Belgium and Germany? We speak to the best experts to answer all these questions: Pierre Gramegna - Luxembourg Finance Minister Nicolas Mackel, CEO, Luxembourg for Finance Nasir Zubairi - CEO of LHoFT Denise Voss - Chairman of ALFI, the Association of the Luxembo...

fintech fintechhub Luxembourg LHoFT insight deepdive finance international Europe

Ep. 249. News: Hook them with a great service
Our hosts, Sarah Kocianski and Simon Taylor sit down with two great guests: Alexa Fernandez, Open Innovation and Ecosystem Builder at BBVA, and Ryan Edwards-Pritchard, Managing Director at Funding Options to talk about the all the latest news in fintech. Including: Starling’s secret project, Royal Bank of Scotland has enlisted the online-only challenger Starling to assist in its secret project to build a standalone digital bank. Starling has signed “a contract to provide payment services to support new init...


Ep. 248. Interviews: John Hope Bryant
John Hope Bryant is CEO and Chairman of Operation Hope, Promise Homes, CEO of Bryant Group Ventures, and Co-Founder of Global Dignity. He was also the first person Sam Maule ever interviewed for 11:FS. The two of them sit down. a year later, to discuss financial inclusion and how it makes everyone wealthier. Promise Homes is a profitable enterprise combining all of John Hope Bryant's passions and interests, aimed at encouraging underserved people to become owners of their own property by renting to them wit...

johnhopebryant operationhope ceo financialinclusion fintech charity

Ep. 247. News: Who should we trust?
In this episode the team sit down with top fintech CEOs to tackle the week's top financial news Kicking off with the news that in the ten year anniversary of the financial crisis, Brits still don't trust their banks to act in the interests of society. We explore what this means, whether banks have ever acted in the interests of society and if this really is the case? We asked some people on the streets around our offices to see if they agree. Find out what they said. Big banks have had it tough in this week...

Ep. 246. Insights: Digital Identity
Today's insights show takes a closer look at what it means to have a digital identity and who really controls who you are online? We speak to the perfect experts to find out: Jamie Smith - Strategic Engagement Director - Evernym Emma Lindley - Senior Director of Digital ID and Money at Visa Vinny Lingham - Co-founder and CEO of Civic Diane Joyce - CTO for the Post Office Identity Services Katryna Dow - Founder and CEO of Meeco Our hosts dive deep into the issue, finding out what your digital identity actua...


Ep. 245. News: Everybody's suing everybody
Our hosts, Sarah Kocianski, Simon Taylor, and David M. Brear are sat down with three great guests: Lesley-Ann Vaughan, Director at MiLA Consulting, Andrew Nelson, Vice-President, Banking & Financial Markets at CGI, and Emily Nicolle, Technology Reporter at City AM to talk about the all the latest news in fintech. Including: UK Financial Conduct Authority creates Global Alliance for Fintech Innovation Collaboration. The FCA’s new alliance, the Global Financial Innovation Network (GFIN), is a collaboration be...

Ep. 244. Interviews: Tom Peters - The Excellence Dividend
Tom Peters is co-author of In Search of Excellence, a book that's often touted as the best business book there is. Nearly 30 years later and with 16 more books under his belt, Tom Peters is still leading the management guru industry he created. Sam Maule talks to him about everything that influenced his life and led up to the moment Peters wrote In Search of Excellence. Emphasising the need for innovation, transparency, honesty, empowerment, openness (all the traits 11:FS stands for) Tom Peters isn't afrai...

Ep. 243. News: We have to have rules!
Our hosts Ross Gallagher and Sarah Kocianski sat down with: Valentina Kristensen, Head of PR and Marketing at OakNorth Bank, Ryan Garner, 11:FS Jobs to be Done guru, and thought-leader, advisor, consultant and blogger, Sharon O’Dea to talk about the all the latest news in fintech. Including: Barclays buys “significant” stake in MarketInvoice. Barclays has acquired a significant minority stake in Marketinvoice, in a deal that will also see them lead MarkitInvoice’s upcoming series B fundraising. As Europe’s ...


Ep. 242. Insights: Challenging the Banking Battlefield
Today's insights show takes a closer look at what defines a challenger bank, how the name's stuck, and what it actually means. Is it all because of a grudge or is it seeking to disrupt the banking status quo? We speak to the perfect experts to find out: Anne Boden - CEO and Co-Founder of Starling Anthony Thomson - Founder of Atom Bank, Metro Bank, and a new Australian bank (86 400) Tom Blomfield - CEO and Co-Founder of Monzo Oscar Williams-Grut - Senior Reporter at Business Insider Our intrepid hosts trav...

Ep. 241. News: You don't need to understand it to use it
Ross, David, and Sarah sit down with Diana Paredes, CEO of Suade Labs and Dr Sian Lewin, AKA the RegDoctor, Client Delivery Director at RegTech Associates. The group discuss the latest news hitting the fintech space this week including: US charter for fintech, the U.S. Treasury on Tuesday backed the creation of a federal charter for financial technology firms, in a boon for online and peer-to-peer lenders that have long complained the current state-by-state licensing regime is expensive and outdated. Apple ...

Ep. 240. Insights: Who will win the race for SMB loyalty?
Today's insights show takes a closer look at how to solve the major issues of opening a bank account, payments, and getting a loan that are challenging SMBs at the moment. We speak to experts to find out who's going to win the race for SMB loyalty: Edward Berks, Director of Banking, Fintech & Ecosystem, Xero Nadya Hijazi - Global Head of Business Banking Digital, HSBC George Bevis, CEO, Tide Megan Caywood, Chief Platform Officer at Starling Paul Bulpitt, Head of Accounting at Xero and Founder of the Wow Co...


Ep. 239. Fintech Insider: After Dark VI - London and Atlanta
In London, David M. Brear, Simon Taylor, and Sarah Kocianski were our hosts, joined by: Marieke Flament, European Managing Director and CMO of Circle, Simon Vans-Colina, Engineer at Monzo, and Daniel Hegarty, CEO of Habito. Over in Atlanta, Sam Maule and Doug Bobenhouse are joined by three pairs of guests: Rob Frohwein, CEO of Kabbage and Shannon Johnson, Group President of Financial Institutions at Cardlytics; next up was Kathryn Petralia, COO and Co-Founder of Kabbage, and Andrew Morris, Chief Content Off...

Ep. 238. Insights: Debunking the myth of AI
AI is a massive subject that's been so spun out by marketing, consultancies, and project proposals as a cure all that it's become difficult to understand what it actually is. To start things off we define what AI really is so you know your AI fact from fiction, then we move on to how AI has developed from simple 'if and then' statements into the powerful applications of Machine Learning. We interview Charlie Wood, Principal Consultant at Capco to get an inside look at what's going on in the AI space. He ...

Ep. 237. News: You've got to spend money to make money
Ross and David sit down with Eric Fulwiler, Executive Director of VaynerMedia and Teana Baker-Taylor, Chief Marketing Officer of Coinfloor. The group discuss the latest news hitting the fintech space this week, including: Challenger bank fury over delays to RBS funding scheme, Revolut reported suspected money laundering, EU wants more competition in fintech, Klarna’s payment card, M-Pesa looks to Ethiopia for expansion, Paypal invests in cross border payments, Payment rules create $1bn in losses for Chinese...


Ep. 236. Interviews: Howard Lindzon - the Angel investor
Some people think it's lucky to be able to make decisions, but Howard Lindzon doesn't see things that way. It's about practice, not being paralysed by indecision and limiting your options to two positive outcomes and then picking the one that you're able to live with. You've gotta keep moving forward and to keep everyone around you motivated and wanting to move forward. CEOs are vital to the nature of a startup, they need to be able to pull their company in the direction they want to grow in as fast as the...

Ep. 235. News: Death is [still] no excuse!
Sarah and Simon sit down with Editor in Chief of Computer Weekly, Bryan Glick, Business Development at Bud, Nina Mohanty, and 11:FS Pulse Analyst, James Safford. The panel discuss the latest news hitting the fintech space this week, including: Google Pay rolls out support for peer-to-peer payments and mobile ticketing, Zimbabwe's eco-cash two day crash exposes the vulnerabilities of going cashless, MasterCard suffering a glitch to Faster Payments with many payments delayed, TSB customers suffer yet again af...

Ep. 234. Insights: Legacy to Cloud
COBOL is a programming language that was ubiquitous to the programming world around 60 years ago. It's since been replaced by newer and more useful languages. Unfortunately, COBOL still underpins a great deal of the banking technology in the world, but no-one's trained in it. This has left to a rise in the number of 60-80 year olds who have come out of retirement to maintain the modern banking world. Cowboys who can do what they want because they're the ones maintaining current banking technology. We take a...


Ep. 233. News: We no longer need traditional banks
Sarah and David sit down with Forbes and The Economist journalist, Monty Munford, and CEO of Onfido, Husayn Kassai. The panel discuss the latest news hitting the fintech space this week. Including: TSB could have up to $150m in debt after their IT systems meltdown back in April - the team discuss whether this amount is accurate (or indeed, even enough); Monzo's losses quadruple in 2017 - but is this in line with what our panel expected? They also take a look at the FCA's latest cohort for their 4th sandbox...

Ep. 232. 11:FS Presents One Fintech Nation - Bringing the Nation Together: The Network Effect
Today's insights show brings together how everything in the UK fintech space is working together to improve the industry. We want to talk about how the whole nation can start talking about fintech, share knowledge, and work together in unity. But is it even possible in a nation with such strong individual identities? Fantastic insights are given by fintech experts who are working across the UK to bring fintech to those who need it most: Greg Michel, Fintech Lead at Tech Nation John Glen, MP & Economic Secr...

Ep. 231. News: Death is no excuse
Simon sits down with Freddy Kelly, Veronique Barbosa, Tanya Andreasyan, and Philip Clarke to discuss the latest news hitting the fintech space this week. Including: Amazon teaming up with American Express for SMBs, Nationwide launch their fintech fund, and Goldman Sachs predict the world cup final. We also have a few great interviews with Emma Huntington from Nationwide, Nick Katz, CEO of Acasa, Harry Keen, CEO of Hazy, and Brian Barnes the CEO of M1 Finance. All this and so much more on today's episode of ...


Ep. 230. 11:FS Presents One Fintech Nation - Fintech for Good
Today's insights show shines a light on how fintech is making the world a better place. We want to talk about what makes the UK fintech scene so useful for solving real problems that affect the lives of so many people. We’re going to be taking a look at how customer-centricity helps fintechs cater better to their customers to ensure they have access to better services, and the impact financial education can have on financial inclusion and literacy. Fantastic insights are given by fintech experts who are wo...

Ep. 229. News: I wanna make Akoin right now now now
Simon and David sit down with Romi, Megan and Dave to discuss the intriguing and interesting stories from the fintech world this week, including: CYBG buys Virgin Money, Visa's broken switch, and Starling launches joint accounts. Simon also has a quick interview with Francisco Carvalho Araújo, Product Manager at Monzo to learn all about Monzo Web. All this and so much more on today's episode of Fintech Insider! Subscribe so you never miss an episode, leave a review on iTunes and every other podcast app. Spr...

Ep. 228. 11:FS Presents One Fintech Nation - The UK as a Fintech Hotspot
Today's insights show shines a light on what makes the UK fintech scene so unique. Fantastic insights are given by fintech experts who are working across the UK and influencing regulation in the fintech space: Frank Jan Risseeuw, CEO of Yolt Greg Michel, Fintech Lead at Tech Nation John Glen, MP Rajesh Agrawal, Deputy Mayor of London Eileen Burbidge, Chair at Tech Nation and Partner at Passion Capital Anthony Lesoismier, CSO and Co-founder at Swissborg Vince Howard, Head of Marketing at Swissborg We want t...


Ep. 227. News: Pulse Team Takeover
Sarah and Ross sit down with James and Lisa and go over some of the weird and wonderful stories from the fintech world, including: SCB applying for a licence, Monzo's new IFTTT, and Danske bank attempts to predict the world cup. All this and so much more on today's episode of Fintech Insider! Subscribe so you never miss an episode, leave a review on iTunes and every other podcast app. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discuss...

Ep. 226. 11:FS Presents One Fintech Nation - Bursting the London Fintech Bubble
Today's insights show shines a light on the regional fintech spaces across the UK. Fantastic insights are given by fintech experts who are working successfully outside of London and making waves in the fintech space: Lisa Wood, CMO at Atom, the challenger bank based in Durham, in North East England Chris Sier, Fintech Envoy for the North of England James Varga, CEO and Co-founder of the ID Company, based in Edinburgh Richard Theo, CEO and Co-founder of Wealthify, based in Cardiff, and newly appointed Finte...