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
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.
Feb 23, 2026 • 1h 3min
1040. News: Is this a once in a generation opportunity to change up the UK payments system?
Breno Oliveira, CPO at Payable, simplifying business payments and fighting fraud. Samantha Emery, FS executive and NED, focused on inclusion, risk and innovation. Sophie Condie, CEO of ShieldPay, expert in client-money and complex payments. They discuss business time lost to fraud, UK plans to reshape payments infrastructure, A2A and interoperability, fintech investment rebound, and stablecoins for complex treasury use.
6 snips
Feb 19, 2026 • 40min
1039. Insights: Stablecoins, clearing and the future of payments with Emma Hagan, UK CEO of ClearBank
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.
Feb 16, 2026 • 58min
1038. News: What happens when the world's biggest YouTuber buys a fintech?
Sam Maule, payments and US market expert at Moov. Andy Russell, fintech CEO who builds digital banking and wealth products. Jessica Cath, financial crime and compliance specialist. They discuss Monzo refund failures and fraud remediation. They unpack MrBeast buying Gen Z fintech Step and its business model. They cover Cleo’s UK relaunch with AI coaching and a $40bn crypto payout mishap.
10 snips
Feb 12, 2026 • 53min
1037. Insights: Shaping safe AI innovation - Live from the FCA’s Supercharged Sandbox Showcase
Janet Bastiman, Chief Data Scientist at Napier AI, discusses AI-driven regtech trials. Oli Platt, Head of Client Solutions at NayaOne, explains infrastructure and GPU support for sandbox participants. Matt Lowe, Innovation Manager at the Financial Conduct Authority, outlines the Supercharged Sandbox's goals and selection process. They explore why a dedicated AI sandbox was needed, partner roles, technical lessons and paths to production.
Feb 9, 2026 • 59min
1036. News: Checkout strikes a chord with Spotify as Nubank, Revolut and Starling set their sights on the US
Chantal Swainston, PR consultant and founder promoting women in fintech. Stephany Kirkpatrick, former Orum CEO and certified financial planner. Dave Morris, founder of Foundry OS building fintech platforms. They debate Nubank’s US charter push, Checkout.com’s Spotify payments tie-up, Starling’s US platform licensing and European expansion moves. Short, lively takes on strategy and market entry.
5 snips
Feb 5, 2026 • 55min
1035. Insights: Six predictions that will reshape customer experience in financial services
Evan Simmonds, Principal Product Designer at Up, shapes onboarding and joint-account UX. Oliwia Wasik, UX research analyst at 11FS Pulse, studies real-world digital banking behaviour. Joe Colchester, Head of Product at 11FS Pulse, drives fintech product strategy. They unpack six UX predictions: AI moving from insight to action, automation guardrails, mainstream investing in banks, pensions as lifestyle journeys, prediction markets, stablecoins as invisible rails, and mass-market wealth features.
Feb 2, 2026 • 1h 2min
1034. News: Was Brex a bargain buy for Capital One?
Matthew Ford, CEO of Sidekick, builds wealth tools for the mass affluent. Sarah Kocianski is a fintech strategist with market-savvy insight. Ziad Mabsout, CEO of Vennre, opens private markets to high earners in MENA. They debate Capital One’s $5.15bn Brex takeover, Vennre’s $9.6m raise and private-market access, JP Morgan’s WealthOS buy, ClearScore’s mortgage push, and Revolut’s shifting US plans.
4 snips
Jan 29, 2026 • 49min
1033. Insights: How modern finance teams can win the next 10 years
Megan Cooper, AI-driven wealth platform founder and former fintech/product leader. Søren Westh Lonning, CFO overseeing finance, compliance, and scaling. Jeppe Rindom, Pleo co-founder solving company spend. They discuss finance’s evolving remit, decision overload and analysis paralysis, practical AI for forecasting and automation, and how better tooling and real-time data free finance for strategic impact.
Jan 26, 2026 • 1h 4min
1032. News: Revolut heads to Peru, Stream raises $90m, and… are you dead?
Peter Briffett, CEO and co-founder of Stream, discusses the $90m Series D and US expansion. Samuel Norman, City A.M. reporter, provides market context on Wise, Revolut and fintech moves. Nicolás Di Pace, ADN.VC co-founder, offers a Peruvian and LATAM perspective. They cover Revolut’s Peru banking push, Stream’s workplace finance growth, BNPL for rent, Wise’s volume surge, WeLab funding, and a viral app trend.
