Fintech Insider Podcast by 11:FS 1047. Insights: Can you launch a start-up in 2026? Live from J.P. Morgan Payments
14 snips
Mar 19, 2026 Mina Mutafchieva Van Ingelgem, Partner at HV Capital investing in European B2B software and fintech. James Fraser, J.P. Morgan payments and trade lead across EMEA. Martin Gilbert, Executive Chairman with deep experience scaling financial services. Philipp Povel, Co-CEO of Mondu modernizing B2B payments. They debate launching startups in 2026, AI’s impact on team and scale, go‑to‑market focus, moats, and what winning looks like.
AI Snips
Chapters
Transcript
Episode notes
Classic Founder Playbook Still Holds
- Founders still need the classic ingredients: great team, big painful problem, distribution, and unit economics.
- AI and new tools make product build faster, but building a defensible business now requires extra structural advantages like trust, regulation, and logistics (Philipp Povel).
Prioritise Team Trust And Velocity
- Focus on velocity, trust and team quality as the primary moats because technical moats erode faster today.
- Hire exceptional people and obsess over customer trust since other advantages can be copied (Mina Mutafchieva Van Ingelgem).
Revolut Grew By Obsessing Over One Product
- Revolut scaled by obsessing over one product (travel money) and then widening offerings globally.
- Nick's weekly one-on-ones with product leads enforced product focus and fueled expansion to 75 million customers (Martin Gilbert).