

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

Sep 25, 2016 • 2h 27min
Ep111 – Interviewed: The innovators really changing banking
In this episode
We have an awesome show for you this week talking to some of the most innovative people changing the way some of the largest banks on the planet operate.
Your hosts, as always, is David Brear (@davidbrear) and Jason Bates (@JasonBates) with an by interview Simon Taylor (@sytaylor) but with Chris Skinner (@Chris_Skinner) MIA this week.
We welcome back Anna Irrera (@annairrera) – Fintech reporter for Financial News, Dow Jones as well as Mariano Belinky (@belimad) and Pascal Bouvier – (@pascalbouvier) from Santander InnoVentures talking about their fund and how things work in Santander.
We interview Shamir Karkal (@shamir_k) the former founder and CEO of Simple and now the Head of APIs for BBVA.
Lastly we talk to Neal Cross (@Neal_X) – Chief Innovation Officer at DBS Bank about the transformation he has spearheaded at DBS as well as what its like to be crowned the most innovative CIO on the planet.
News this week
REUTERS – Wells Fargo seeks to shore up reputation in wake of scandal : LINK
eFinancial News – Citi fintech acceleration head departs : LINK
FT – UK Regulators are the most FinTech friendly : LINK
REUTERS – Hong Kong to launch banking fintech ‘sandbox’ as rivals pull ahead: LINK
Finextra – Singapore and Switzerland forge FinTech pact : LINK
FinNews – CBA and Barclays Reveal Long Distance Fintech Solution : LINK
Business Insider – Facebook has announced messenger payments – AGAIN : LINK (plus Alexa, iOS10, imessage apps, loads of stuff this week)
BBC – Bank of England to buy Apple bonds : LINK
New Chewable bank note : Link
Coin Desk – Big Banks Invest $55 Million in Blockchain Startup Ripple’s Series B : LINK
Got a burning question or just want to shout of how much you’re loving whats in your ears right now? Contact us on Twitter @FinTechInsider or @11FSTeam, or email on FinTechInsider@11fs.co.uk
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Sep 20, 2016 • 1h 54min
Ep110 – Will AI change the world of Banking?
This week we have a marathon of a show focussing on AI, Bots, Machine Learning and everything else augmented.
Your hosts, as always, is David Brear (@davidbrear), Jason Bates (@JasonBates), Simon Taylor (@sytaylor) and Chris Skinner (@Chris_Skinner)
We have a fantastic lineup this week of guests with; Devika Thapar (@DeeThapar) – Financial Services Leader, IBM Watson, Dr. Ella Rabener (@ella_rabener) – CMO of Scalable Capital and Ereli Eran (@ereli) – Senior Data Scientist at Ravelin.
We hope you enjoy the show
Key stories this week:
IB Times – Barclays completes the world’s first live, end to end trade finance transaction with a live customer on Blockchain : LINK
QZ.com – Alphabet, Amazon, Facebook, IBM, and Microsoft are creating the Justice League for AI : LINK
Technology Review – MIT report – AI Wants to Be Your Bro, Not Your Foe : LINK
Polygon – Watch the first ever movie trailer made by artificial intelligence : LINK
Venture Beat – Are chatbots an evolution or a revolution? : LINK
Venture Beat – Apple pushes its AI expert hiring spree into overdrive : LINK
The Drum – David Ogilvy’s first interview since he died? Possibly not but Watson and The Drum prove his ideas are still alive : LINK
Venture Beat – A Microsoft chatbot is insulting people again, and that’s a good thing : LINK
Got a burning question or just want to shout of how much you’re loving whats in your ears right now? Contact us on Twitter @FinTechInsider or @11FSTeam, or email on FinTechInsider@11fs.co.uk
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Sep 10, 2016 • 1h 3min
Ep109 – The Secret to UK FinTech Success
This week we are unpacking some of the latest and greatest breaking news with Ed Maslaveckas (@Ed_Masl) and Jamie Campbell (@JCtheOriginal).
We are also joined by the fantastic Lawrence Wintermeyer (@lwintermeyer) who is the CEO of Innovative Finance.
Key stories this week:
Independent – Apple tax: UK says it welcomes any company after tech-giant hit with £11bn Irish tax bill : LINK
Fortune – Beware of Blockchain Hype Says Chain CEO Adam Ludwin : LINK
Coin Desk – IBM Bridges Blockchain, AI With New Business Unit : LINK
Australian Financial Review – ANZ Bank ups cloud focus with open networks for fintech collaboration : LINK
Business Insider – Oscar – City CEO: ‘The whole banking model is a bit broken’ and at risk of an Uber moment : LINK
Telegraph – Jeremy Corbyn has a plan to ‘democratise the internet’. But does he even understand it himself? LINK
Monzo – Mondo is now Monzo : LINK
If you enjoyed this episode, please subscribe using your favourite podcasting app and leave us a review on iTunes or the podcast platform of your choosing
Got a burning question or just want to shout of how much you’re loving whats in your ears right now? Contact us on Twitter @FinTechInsider or @11FSTeam, or email on FinTechInsider@11fs.co.uk
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Sep 1, 2016 • 1h 37min
Ep108 – Everything Blockchain. Ever.
Key stories this week:
Finextra – BBVA says EU Bonus Cap hampers tech talent acquisition : LINK
Tech Crunch – LendUp secures $47m to build the “Friendly dolphin” not loan shark of credit cards : LINK
Coin Desk – Bitfinex to issue company equity (?!) to refund customers of hack : LINK
Coin Desk – One month after the DAO hack millions of dollars worth of funds unclaimed : LINK
Coin Desk : Digital Asset to open source “smart contract language” : LINK
If you enjoyed this episode, please subscribe below using your favourite podcasting app!
Got a burning question or just want to shout of how much you’re loving whats in your ears right now? Contact us on @FinTechInsider or @11FSTeam.
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Aug 22, 2016 • 1h 17min
Ep107 – Why Asia-Pacific will rule the Fintech world
Key stories this week:
Alibaba Makes VR Payments Play : LINK
Standard Chartered rolling out Touch ID across APAC and MEA : LINK
Fenqile gets $235M to get people paying in “happy installments” : LINK
Hong Kong start-ups starved of banking services : LINK
15 R3 Members Trial Distributed Ledger Tech for Trade Finance : LINK
ANZ hire Maile Carnegie from Google – doomed to fail? – LINK
If you enjoyed this episode, please subscribe below using your favourite podcasting app!
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Aug 15, 2016 • 1h 30min
Ep106 – CMA Special: How will APIs change banking?
This week we’re joined by Bill Sullivan (@WFSULLIVAN3) Global Head Financial Services Market Intelligence @Capgemini, Dominic Lindley (@DominicLindley) Financial Services Consumer Panel and friend of the show appearing for her hat-trick Anna Irrera (@annairrera) Trading and tech reporter for @FinancialNews (part of @wsj).
Key stories this week:
Finextra – Bitcoin and Blockchain “pose little risk to payments players” Credit Suisse Blockchain Report: LINK
TechCrunch – 200m revenue for Pokemon go – LINK
Business Insider – Fintech funding has declined except for one key area : LINK
Mashable – Apple Pay fights back against Australian banks LINK
How fintech could cash in on BoE rate cut – How fintech could cash in on BoE rate cut : LINK
Finextra – RBS scraps W&G carve out : LINK
Coin Telegraph – IBM to Launch One of the Largest Blockchain Implementations in the World : LINK
Qapital integration – The thin edge of the wedge for APIs: LINK
Tech Crunch – Mondo get’s its banking licence … with restrictions : LINK
If you enjoyed this episode, please subscribe below using your favourite podcasting app, follow the show @FinTechInsiders or get in touch and tell us what you think at FinTechInsider@11FS.co.uk
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Aug 9, 2016 • 1h 27min
Ep105 – Putting the brakes on accelerators
Key stories this week:
Bitcoin drops 20% on news of another exchange hack:
TransferWise gets direct access to Faster Payments
Fintech Fundings: 186 Companies Raised $1.6 Billion in June
A seven year old idea comes of age: Bank-as-a-Service
Venmo Will Soon Be Larger Than Any Bank P2P Service
German digital bank Fidor acquired by French banking giant
Why Australia’s Biggest Banks Are Going After Apple
Barclays rolls out voice biometrics for phone banking
If you enjoyed this episode, please subscribe below using your favourite podcasting app, follow the show @FinTechInsiders or get in touch at FinTechInsider@11FS.co.uk
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Aug 2, 2016 • 1h 24min
Ep104 – Lots and lots of news
This week:
This week we talk to some of the best people in banking and Fintech with Dave Birch, Director of Innovation at Consult Hyperion (@dgwbirch) and Izabella Kaminska, Financial Times Alphaville (@izakaminska). We also interviewed Antonio Fratta Pasini from CheBanca! (@chebanca)
We hoped you like Episode 104 – Follow us and tell us what you think of the show @FinTechInsiders or get in touch on FinTechInsider@11FS.co.uk
In the news we chatted through:
Mark Andreesen and a16z go long on chat
http://a16z.com/2016/07/24/money-as-message/
Break up the financial watchdog over HBOS failures, MPs urge
http://www.telegraph.co.uk/business/2016/07/25/break-up-the-financial-watchdog-over-hbos-failures-mps-urge/?WT.mc_id=e_DM143962&WT.tsrc=email&etype=Edi_Cit_New_Tue_9Sections&utm_source=email&utm_medium=Edi_Cit_New_Tue_9Sections_2016_07_26&utm_campaign=DM143962
As goes correspondent banking so goes globalisation
http://ftalphaville.ft.com/2016/07/26/2170875/as-goes-correspondent-banking-so-
Italian finance minister rejects need for banks bail-in – Financial Times
http://goo.gl/yQPlDI
Engineers vs urban geometry
http://ftalphaville.ft.com/2016/07/22/2170732/engineers-vs-urban-geometry/
Fidor fuels O2 mobile banking launch
http://goo.gl/NuQU6I
Fintech sector sees 23 deals worth $184 million till June this year – Economic Times
http://goo.gl/F4Df3F
Mark Carney Has Started A Revolution By Embracing Fintech – Forbes
http://goo.gl/okTLI8
Drop in internet banking as rise in banking apps use is recorded
http://goo.gl/BGu4WN
We hoped you like Episode 104 – Follow us and tell us what you think of the show @FinTechInsiders or get in touch on FinTechInsider@11FS.co.uk
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Jul 25, 2016 • 1h 16min
Ep103 – Blockchain, Blockchain, Blockchain
1) BT fault hits broadband users and banks
http://www.bbc.co.uk/news/technology-36844712
2) Pokemon Go’s McDonald’s Partnership Points To A Promising Business Model
http://www.forbes.com/sites/parmyolson/2016/07/20/pokemon-go-mcdonalds-japan-nintendo-revenue/#3e0f226160d5
3) Apple Pay says bonjour to France and nei ho to Hong Kong
http://www.cnet.com/news/apple-pay-says-bonjour-to-france/
4) Oaknorth : first challenger bank to use Facebook at Work
http://www.bankingtech.com/536972/oaknorth-first-challenger-bank-to-adopt-facebook-at-work/?utm_source=rss&utm_medium=rss&utm_campaign=oaknorth-first-challenger-bank-to-adopt-facebook-at-work
5) Silicon Valley billionaire Peter Thiel is doubling down on a German fintech startup
http://uk.businessinsider.com/silicon-valley-billionaire-peter-thiel-increases-investment-in-germanys-deposit-solutions-2016-7
6) Google’s DeepMind trains AI to cut its energy bills by 40%
http://www.wired.co.uk/article/google-deepmind-data-centres-efficiency
7) Santander’s fintech VC firm got another $100 million to invest
http://uk.businessinsider.com/santander-innoventures-mariano-belinkey-new-fund-brexit-fintech-2016-7
8) A huge US bank is ignoring Brexit warning signs and is buying a new £300 million London HQ
http://uk.businessinsider.com/wells-fargo-buys-new-london-office-despite-brexit-2016-7
9) Central Bank Digital Currencies Could Boost GDP, Bank of England Says
http://www.coindesk.com/central-bank-digital-currencies-boost-gdp-bank-england-says/
10) UK Legislators Cast Critical Eye on Bitcoin and Blockchain at Parliament Event
http://www.coindesk.com/committee-talks-blockchains-government-ethics-house-lords-hearing/
We hoped you liked Episode 3 – Subscribe and follow @obussmann) Marcus Treacher (@marcus_treacher) who is the Global Head of Strategic Accounts at @Ripple and we also chat through the news with Oscar Willams Grut (@OscarWGrut) who is the FinTech reporter for Business Insider. We hoped you like Episode 3 – Follow us and tell us what you think of the show @FinTechInsiders and keep letting us know what you think.
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Jul 20, 2016 • 1h 46min
Ep102 – Bitcoin halving, Bud and Pokemon Go!
Articles we discuss in the news:
1. The Financial Brand – What can banks learn from Pokemon?
https://thefinancialbrand.com/59873/banking-mobile-social-pokemon-go-app-engagement/
2. Overdrafts more expensive than payday loans says ‘which’
http://www.bbc.co.uk/news/business-36746372
3. Fred Wilson says “Corporate VCs are the devil”
https://www.cbinsights.com/blog/corporate-venture-capital-investment-disadvantages-fred-wilson-usv/?utm_source=The+Financial+Revolutionist+Weekly+Briefing&utm_campaign=23e67c8e48-Weekly_Briefing_No_36&utm_medium=email&utm_term=0_bbba91202b-23e67c8e48-76962253
4. Amex gets into SME lending
http://www.crainsnewyork.com/article/20160705/TECHNOLOGY/160709995/amex-challenges-square-on-deck-with-small-business-oans-online?utm_source=The%20Financial%20Revolutionist%20Weekly%20Briefing&utm_campaign=23e67c8e48-Weekly_Briefing_No_36&utm_medium=email&utm_term=0_bbba91202b-23e67c8e48-76962253
5. US Founder in London says no intention to move post Brexit
http://news.efinancialcareers.com/us-en/249475/heres-how-brexit-will-impact-the-us-vs-uk-fintech-rivalry
6. Revolut got funding – is fintech funding drying up?
http://uk.businessinsider.com/fintech-revolut-series-a-brexit-crowdfund-2016-7
&
https://www.finextra.com/newsarticle/29165/revolut-breaks-uk-crowdfunding-record-with-over-12-million-pledged
7. The US government says if you make less than $20 an hour, a robot is probably going to take your job http://qz.com/730399
We hoped you liked Episode 2 – Follow us and tell us what you think of the show @FinTechInsiders
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