Fintech Insider Podcast by 11:FS 1039. Insights: Stablecoins, clearing and the future of payments with Emma Hagan, UK CEO of ClearBank
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Feb 19, 2026 Emma Hagan, UK CEO of ClearBank and veteran banking executive, discusses modern clearing, embedded banking and scaling a specialist infrastructure bank. She covers ClearBank’s role providing direct clearing access, how it supports fintechs without competing, and the bank’s move into digital assets and stablecoins. Short, clear takes on leadership, culture and the UK’s place in payments innovation.
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Modern Clearing For The Digital Age
- ClearBank was founded as the first new UK clearing bank in over 250 years to provide modern, API-first clearing access.
- It offers direct access to UK clearing schemes and embeds bank accounts into third-party front ends for fintechs and e-money firms.
Dedicated Infrastructure, Not Competition
- Challenger banks demand a clearing partner that scales, innovates, and stays invisible to end users.
- ClearBank positions itself as a non-competitive infrastructure provider that supports fintech growth without lending.
Risk Experience Shaped Her Leadership
- Emma described her career arc from risk roles to CEO and how that breadth prepared her for leadership.
- Her risk background helped shape a focus on resilience, compliance, and client trust at ClearBank.