Fintech Insider Podcast by 11:FS
11:FS
Fintech Insider is your ultimate guide to the world of finance and fintech from 11:FS - the leading independent fintech consultancy, recognised five times with the British Bank Award for Consultancy of the Year.Our expert hosts, with real industry experience, are joined by the biggest decision-makers, VCs, and reporters from across financial services including Visa, Monzo, Nationwide, JPMorgan Chase, Wise, the Financial Times, and more to discuss breaking news and deep dive into the biggest topics and trends within the industry.Our weekly news show drops every Monday and tackles the biggest news stories across M&A, open banking, embedded finance, payments, regulation and more. Then, every Thursday our Insights show dives deeper into the hottest topics shaping the industry like AI, regulation, Big Tech, the cost of living crisis, and more. Whether you’re already immersed in the world of financial services, or just keen to learn more, this is the #1 podcast for you.Want to get involved in the conversation?Connect with us now on LinkedIn, Instagram and TikTok
Episodes
Mentioned books
Mar 30, 2026 • 1h 8min
1050.News: Starling launches UK’s first agentic AI banking, Paymentology’s WhatsApp neobank and Turkey SEPA expansion
David Sullivan, Starling Bank data director who led its agentic AI work. Cem Güler, DenizBank PMO lead with deep SEPA and cross-border payments experience. Merusha Naidu, Paymentology partnerships head focused on financial inclusion. They discuss Starling’s new agentic AI assistant. They debate Turkey joining SEPA and its practical impacts. They cover Paymentology’s WhatsApp-based neobank for Africa and why conversational banking can boost inclusion.
Mar 26, 2026 • 50min
1049. Insights: Can you trade the future? The rise of prediction markets
Kate Knibbs, WIRED writer on culture and finance, and Emily Nicolle, Bloomberg digital finance reporter, unpack the rise of prediction markets. They explain how these platforms work. They cover regulation, Wall Street interest, manipulation risks, resolution headaches, geographic limits, and fintech integration. The conversation maps legal fights, commercial uses, and what it would take for wider adoption.
9 snips
Mar 23, 2026 • 57min
1048. News - After Dark: Robinhood's family plan, Irish banks team up to take on fintechs, and did Year in Monzo go too far?
Merusha Naidu, payments partnerships lead at Paymentology, Clém Salaün, CTO and co-founder of Formance, and Helen Bierton, Lloyds’ Chief Digital Officer, discuss Robinhood’s Family Hub and parental controls. They examine Ireland’s new phone-number P2P service from big banks. They also debate Monzo’s ‘Year in Monzo’ tone and the tech, permissions, and trust issues behind personalized financial products.
14 snips
Mar 19, 2026 • 53min
1047. Insights: Can you launch a start-up in 2026? Live from J.P. Morgan Payments
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.
Mar 16, 2026 • 53min
1046. News: Revolut is a bank, Lloyds wants to be a fintech - we're just as confused as you
Art Levy, Brex CBO—builds corporate card and finance partnerships. Veronica Glab, Juice partnerships lead—focuses on SME lending and working capital. Dave Morris, Foundry OS CEO—creates fintech platforms for banks. They unpack Revolut winning a UK banking licence, Lloyds’ bid to act like a fintech, Brex’s ChatGPT integration, LATAM growth at Ualá, and Tide’s new embedded mobile plans.
12 snips
Mar 12, 2026 • 50min
1045. Insights: Has the banking battlefield evolved - and is Revolut built for it?
Sophie Guibaud, strategic sparring partner at Building Alpha, offers sharp takes on challenger bank categories and boards. Richard Davies, CEO of Allica Bank, speaks on challenger strategy, fundraising and SME banking. They debate profitability, infrastructure depth, embedded finance, Revolut’s operational edge, and where real power sits in modern banking.
9 snips
Mar 9, 2026 • 1h
1044. News: Revolut launches £65-a-month ultra-premium business card to take on American Express
Denise Johansson, co-CEO of Enfuce and payments researcher, reveals a study on how fraud hits women harder. Rebecca Owers, HSBC wealth lead, discusses boosting female representation and confidence in wealth advice. Ruth Foxe Blader, VC partner at Citrine, offers investing and resale market perspective. They explore fraud patterns, psychological impacts, representation in wealth management, and why younger women face higher digital risk.
Mar 5, 2026 • 43min
1043. Insights: Inside HSBC Innovation Banking UK’s future with CEO Emily Turner
Emily Turner, CEO of HSBC Innovation Banking UK, is a former Citi leader who launched Citi Ventures UK and backed early-stage fintechs. She talks about moving from consulting into venture, running corporate venture inside a bank, how to drive change in large institutions, HSBC’s purpose-built model for tech and life sciences, and scaling challenges like capital, talent and customers.
13 snips
Mar 2, 2026 • 1h 8min
1042. News: Is Klarna a reality check for fintech IPO hopes?
Albert Malikov, founder and CEO of Stacks, builds agentic AI to automate finance operations. Aditi Subbarao, Snowflake enterprise sales lead, focuses on data and agentic AI for financial workflows. They discuss Stacks’ Series A and agentic reconciliation, Xflow’s cross-border B2B payments for India, Klarna’s IPO woes, and Chase’s surprising branch expansion.
8 snips
Feb 26, 2026 • 50min
1041. Insights: How to build a high-performing product team
Nicole Bianchi, Senior VP of Product at Chip, leads savings and investments products. Alex Rivas, Director of Product at LHV, builds retail and SME banking offerings. Melissa Stringer, Fractional CPO at 11:FS Ventures, shapes product strategy for banks and fintechs. They discuss defining product roles, structuring high-performing teams, balancing regulation and speed, cross-functional collaboration, and how AI speeds discovery.
