Fintech Insider Podcast by 11:FS 1024. Insights: The moments that made fintech in 2025
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Dec 18, 2025 Join David Barton-Grimley, Director of Strategy at 11:FS Ventures, and Joe Colchester, Head of Product at 11:FS Pulse, as they dive into the most memorable moments of fintech in 2025. They discuss the inspiring accessibility innovations of Project Nemo, break down the buzzworthy term 'agentic AI', and analyze the surprising partnership between Klarna and Stripe. The duo also dissects the implications of recent cloud outages on the industry, rounding off with insights into Nubank's impressive global growth and the future of financial technologies.
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Accessibility Driving Industry Change
- Project Nemo expanded in the UK and partnered with HSBC Innovation Banking to boost disability inclusion in fintech.
- The initiative won Money20/20's Diamond Grand Prix and may influence government financial inclusion strategy.
Design Accessibility Into Products Early
- Build accessibility from the ground up rather than treating it as an afterthought or checklist.
- Joe Colchester urged teams to design inclusively from the product roadmap stage to avoid retrofitting issues.
Agentic AI Is Engineering, Not Magic
- Agentic AI moved from hype to pragmatic deployments across onboarding, fraud, and back-office automation.
- David Barton-Grimley emphasised it's engineering-heavy and needs data, culture, and measured use-case selection.