Fintech Insider Podcast by 11:FS 1052.News: AI agents are trading, Monzo is retreating, and Wise is coming for the banks
8 snips
Apr 6, 2026 
Jannick Malling, Co-CEO of Public, pioneers AI-driven investing and agentic brokerage. Fliss Berridge, payments strategist and ex-Faster Payments lead, advises on payments and open banking. Dave Morris, CEO of FoundryOS, builds fintech infrastructure. They discuss AI agents automating portfolios, Monzo’s US retreat and its strategy shift, and Wise launching a UK interest-bearing current account.
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Agentic Brokerage Lets Users Trade By Intent
- Public launched agentic brokerage agents that let users describe intent and have AI monitor markets and execute trades inside the authenticated app environment.
- Jannick Malling described examples: covered-call income, volatility hedges, daily cash sweeps and thousands of agents already running.
Agents Raise Retail Investor Sophistication
- Agents abstract trading to higher-level prompts, moving investors from manual orders to intent-driven strategies and raising overall investor sophistication.
- Public combined prior features (embedded AI research, generated assets, APIs) to enable conversational setup and guardrails for complex strategies.
Force Risk Controls During Agent Setup
- Use platform-level AI safety and conversational flows to surface risks and force protective choices when users design risky strategies.
- Jannick recounted the AI insisting on a maximum stop-out for a user requesting a martingale-style approach.