

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
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Nov 22, 2019 • 50min
376. Insights: The future of New York fintech
Recorded live from the Big Apple, our expert hosts, David Brear and Sam Maule, are joined by some fantastic guests at our After Dark event in New York to talk about all things fintech and banking in the US.
For this After Dark show, David and Sam were joined by:
Melissa Stevens - Chief Digital Officer Fifth Third Bank
Angela Galardi Ceresnie - CEO of Climb Credit
Chris Maddern - Co-Founder and Chief Innovation Officer, Button
In our pun-filled show, we kick things off by discussing some of the biggest apples in the Big Apple. We dive into Marcus by Goldman Sachs, Silicon Valley's expansion into New York, Apple Pay, and much much more. (03:55)
Next up, it's all about new skins and legacy cores. What are American fintechs’ secret sauce? What is their advantage over big banks, even if they’re not licensed? And, are fintech players even making a dent? (27:18)
To round things off, we look towards the future - forbidden fruit and the next big apple. We discuss OCC being denied fintech charters, faster payments being pushed back, and the next big New York fintech story. (34:46)
All this and so much more on today's show.
Check out our brand new documentary 11:YEARS - the Rise of UK Fintech now. Head over to 11years.film to watch for free, and share using #11YEARS.
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates, Leda Glyptis and Sarah Kocianski and joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive in subject matters such as APIs, AI or digital banking.
If you enjoyed don't forget to subscribe and please leave a review
Follow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com!Special Guests: Angela Galardi Ceresnie, Chris Maddern, and Melissa Stevens.
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Nov 18, 2019 • 53min
375. News: Everything is fintech!
Our expert hosts, Sarah Kocianski and Simon Taylor, are back to bring you up to speed with the fintech, financial services and banking news from the past week. Joining them to discuss the latest headlines and most recent developments are some great guests including:
Will Carmichael - CEO of Rooster Money
Smriti Vicari - Executive Director of Fintech and Strategic Partnerships at Visa Europe
Roisin Levine - Head of Banks at Flux
This week we cover the following stories from the fintech and financial services space:
Google to offer checking accounts in partnership with banks starting next year (01:50)
Facebook launches Facebook Pay (08:19)
Apple Card tweets lead to Goldman gender discrimination probe (14:33)
HSBC and RBS set to launch new digital banking platforms (20:42)
Starling tops one million accounts (28:49)
Australian neobank 86 400 rolls out digital mortgage offering (35:13)
Nationwide customers will see overdraft interest more than double to almost 40% (39:50)
Harrods limits Christmas grotto to £2,000-plus spenders (46:24)
Check out our brand new documentary 11:YEARS - the Rise of UK Fintech now. Head over to 11years.film to watch for free, and share using #11YEARS.
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates, Leda Glyptis and Sarah Kocianski and joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive in subject matters such as APIs, AI or digital banking.
If you enjoyed don't forget to subscribe and please leave a review
Follow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com!Special Guests: Roisin Levine , Smriti Vicari, and Will Carmichael.Links:
Google to offer checking accounts in partnership with banks starting next year
Facebook launches Facebook Pay
Apple Card tweets lead to Goldman gender discrimination probe
HSBC and RBS set to launch new digital banking platforms
Starling tops one million accounts
Australian neo bank 86 400 rolls out digital mortgage offering
Nationwide customers will see overdraft interest more than double to almost 40%
Harrods limits Christmas grotto to £2,000-plus spenders
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Nov 15, 2019 • 51min
374. Insights: The importance of cashflow for SMEs - Live at Xerocon
On this week's combined news and insights show, David Brear hosts a live panel at Xerocon London 2019! On the first part of the show, David is joined by a couple of special guests to discuss some of the announcements that were made at Xerocon:
Xero Pay partners with Transferwise for bill and reconciliation payments (03:32)
Craig Walker - Co-founder and Executive GM of Payments & Billing Solutions at Xero
Nilan Peiris - Vice President of Growth at TransferWise
Iwoca and Xero working together to improve SME lending solutions (08: 52)
Ben Johnson - Payments & Lending Partnerships Lead at Xero
Lara Gilman - Chief Product Officer at iwoca
Later in the show, things get heated at the F'in Debate where 4 teams go head-to-head to debate which is the most valuable or impactful aspect of cashflow to SMEs! (15:13)
Divided into their debate teams, our special guests include:
Team Spending:
Carlo Gualandri - CEO of Soldo
Frankie Kay - Director of Farnell Clarke
Team Payments:
Pranav Sood - Vice President & General Manager of International Expansion at GoCardless
Jonathan Bareham - Director and co-founder of Raedan
Team Lending:
Anil Stocker - CEO of MarketFinance
Lauren Harvey - Founding Director of Full Stop
Team Forecasting:
Hannah Dawson - CEO and Founder of FUTRLI
Nikki Adams - Director of Ad Valorem
Check out our brand new documentary 11:YEARS - the Rise of UK Fintech now. Head over to 11years.film to watch for free, and share using #11YEARS.
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates, Leda Glyptis and Sarah Kocianski and joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive in subject matters such as APIs, AI or digital banking.
If you enjoyed don't forget to subscribe and please leave a review
Follow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com!Special Guests: Anil Stocker, Ben Johnson , Carlo Gualandri, Craig Walker, Frankie Kay, Hannah Dawson, Jonathan Bareham, Lara Gilman , Lauren Harvey, Nikki Adams, Nilan Peiris , and Pranav Sood.
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Nov 11, 2019 • 1h 5min
373. News: Robinhood's 'free money' glitch
Our expert hosts, Leda Glyptis and Adam Davis are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include:
Jasper Martens - CMO at PensionBee
Francesca Carlesi - Co-founder and CEO at Molo Finance
Ryan Edwards-Pritchard - Fintech nomad and friend of the show
We cover the following stories from the fintech and financial services space:
MPs urge refunds for victims of bank transfer fraud (01:51)
Robinhood traders find “infinite leverage” glitch (10:51)
Freetrade closes $15M in Series A funding (16:24)
Digital banks grow as fintech funding slows (23:18)
Westpac announces banking-as-a-service platform (32:22)
Goldman Sachs leads $50M round for credit card platform (40:35)
M&S teams with Clearpay on “buy now, pay later” option (49:58)
The London Mint will give out historic threepence pieces for free (56:35)
Check out our brand new documentary 11:YEARS - the Rise of UK Fintech now. Head over to 11years.film to watch for free, and share using #11YEARS.
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates, Leda Glyptis and Sarah Kocianski and joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive in subject matters such as APIs, AI or digital banking.
If you enjoyed don't forget to subscribe and please leave a review
Follow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com!Special Guests: Adam Davis, Francesca Carlesi, Jasper Martens, and Ryan Edwards-Pritchard.Links:
MPs urge compulsory refunds for victims of bank transfer fraud | Business | The Guardian
Reddit Wealth Tips: Robinhood App Glitch Gave 'Infinite Leverage' - Bloomberg
Freetrade, the UK challenger stockbroker, completes $15M Series A | TechCrunch
European fintech weekly: Uber Money marks a new paradigm & October funding dip | Sifted
Top digital banks grow new users 209% over the past six quarters
Westpac to move into banking-as-a-service with investment in 10x Fu...
CYBG to relaunch as Virgin Money
M&S takes on Klarna by introducing its own payment installation service | This is Money
£1 million worth of 'thruppences' to be sold to stop coin collecting dying out
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Nov 8, 2019 • 49min
372. Interviews: Lee Wetherington & Ben Metz, Jack Henry and Associates
Sam Maule is hosting this episode, all the way from San Diego! In this interview episode he is joined by Lee Wetherington, Director of Strategic Insight and Ben Metz, senior Managing Director at Jack Henry & Associates! Together they talk about how Bano came about and what Jack Henry actually is, a game Sam refers to as Jack - who?
We are also given an introduction to what a community bank is, why the US banking system is unique in its way of operating and why the US banking system is 10 years behind the rest of the world. All this, and much much more on today's Fintech Insider Interviews!
Check out our brand new documentary 11:YEARS - the Rise of UK Fintech now. Head over to 11years.film to watch for free, and share using #11YEARS.
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates, Leda Glyptis and Sarah Kocianski and joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive in subject matters such as APIs, AI or digital banking.
If you enjoyed don't forget to subscribe and please leave a review
Follow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com!Special Guests: Ben Metz and Lee Wetherington.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Nov 4, 2019 • 1h 14min
371. News: Monzo responds to BBC expose
Our expert hosts, David Brear and Kate Moody, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include:
Tom Blomfield - CEO of Monzo
Edoardo Volta - VP, Head of Fintechs at Mastercard
James Butland - VP Global Banking at Airwallex
We cover the following stories from the fintech and financial services space:
Monzo have their say following the BBC’s highlight critical Watchdog attack (02:20)
Fintech’s fast pass to traditional banking is now cut off (27:11)
Banks Must Act Now or Risk Becoming a ‘Footnote’: McKinsey (41:54)
Uber pushes into payments with Uber Money (50:23)
Square launched stock trading on its popular Cash App (58:25)
And finally - Alexa can pay your bills (01:07:10)
Check out our brand new documentary 11:YEARS - the Rise of UK Fintech now. Head over to 11years.film to watch for free, and share using #11YEARS.
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates, Leda Glyptis and Sarah Kocianski and joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive in subject matters such as APIs, AI or digital banking.
If you enjoyed don't forget to subscribe and please leave a review
Follow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com!Special Guests: Edoardo Volta, James Butland, Kate Moody, and Tom Blomfield.Links:
Monzo denies unfairly freezing accounts in wake of BBC Watchdog claims
Fintech's fast pass to traditional banking is now cut off
Banks Must Act Now or Risk Becoming a ‘Footnote’: McKinsey
Subscribe to read | Financial Times
Square launches stock trading on its popular Cash App
Amazon Taps Into Bill Payments With Alexa | PYMNTS.com
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Nov 1, 2019 • 22min
370. Interviews: Bill Winters, Group Chief Executive at Standard Chartered
Jason Bates brings you this incredible interview with Bill Winters, Group Chief Executive at Standard Chartered, straight from SIBOS 2019! In this interview we find out more about Standard Chartered, how to be a disruptor in new markets, the importance of company culture and where the areas for innovation are in this industry.
Tune in for industry insights, a wealth of experience and much much more.
Check out our brand new documentary 11:YEARS - the Rise of UK Fintech now. Head over to 11years.film to watch for free, and share using #11YEARS.
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates, Leda Glyptis and Sarah Kocianski and joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive in subject matters such as APIs, AI or digital banking.
If you enjoyed don't forget to subscribe and please leave a review
Follow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com!Special Guest: Bill Winters.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Oct 28, 2019 • 1h 18min
369. News: Startups growing up
Our expert hosts, David Brear and Sarah Kocianski, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include:
Diana Parades - CEO and founder, Suade Labs
Daniel Hegarty - CEO and Founder, Habito
Oliver Smith - Editor at AltFi
We cover the following stories from the fintech and financial services space:
Revolut to launch in the U.S. by year-end with Mastercard deal (03:26)
Santander Rolls Out US Digital Deposits To Rival Goldman (10:24)
PayPal is launching a Venmo credit card to help monetize the payment app (15:27)
AmEx joins the corporate card for startups world (28:56)
Fintech API builder Galileo to go global on $77 million capital injection (36:19)
CYBG to relaunch as Virgin Money (47:30)
Denizen shuts up shop (54:29)
Women At EY Instructed On How To Dress and Act Nicely Around Men (1:00:20)
Check out our brand new documentary 11:YEARS - the Rise of UK Fintech now. Head over to 11years.film to watch for free, and share using #11YEARS.
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates, Leda Glyptis and Sarah Kocianski and joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive in subject matters such as APIs, AI or digital banking.
If you enjoyed don't forget to subscribe and please leave a review
Follow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com!Special Guests: Daniel Hegarty, Diana Paredes, and Oliver Smith.Links:
Fintech Revolut to launch in the U.S. by year-end with Mastercard deal - Reuters
Santander Rolls Out US Digital Deposits | PYMNTS.com
PayPal's Venmo is launching a credit card
AmEx Takes Aim at Brex With New Corporate Cards for Startups - Bloomberg
Fintech API builder Galileo to go global on $77 million capital inj...
CYBG to relaunch as Virgin Money
Denizen shuts up shop
Women At Ernst & Young Instructed On How To Dress, Act Nicely Around Men | HuffPost UK
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Oct 25, 2019 • 52min
368. News: 2008 throwback special
Our expert hosts, David Brear, Jason Bates and Simon Taylor are joined by some great guests to talk about the most notable fintech, financial services and banking news from the week of the financial crisis in 2008! This week's guests include:
Caroline Plumb - CEO Fluidly
Nick Ogden, most recently - and excitingly - Founder RTGS
We cover the following stories from the fintech and financial services space from 2008:
Lehman Brothers File for Bankruptcy (03:23)
Bush Wants Bailout for Banks (08:15)
The UK Nationalises Bradford & Bingley… to sell them to Santander (19:58)
Stocks Take Record Tumble, Down 777 points (27:27)
Bernard Madoff Arrested over alleged $50 billion fraud (36:12)
Sale of PPI with Loans ‘To be banned’ (41:04)
Man’s ‘Pants’ password is changed (48:10)
Check out our brand new documentary 11:YEARS - the Rise of UK Fintech now. Head over to 11years.film to watch for free, and share using #11YEARS.
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates, Leda Glyptis and Sarah Kocianski and joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive in subject matters such as APIs, AI or digital banking.
If you enjoyed don't forget to subscribe and please leave a review
Follow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com!Special Guests: Caroline Plumb and Nick Ogden.Links:
BBC NEWS | England | Shropshire | Man's 'pants' password is changed
Subscribe to read | Financial Times
Administration Is Seeking $700 Billion for Wall Street - The New York Times
Subscribe to read | Financial Times
Stocks Take Record Tumble, Down 777 Points - CBS News
Fireside
Sale of PPI with loans 'to be banned' - Telegraph
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Oct 21, 2019 • 55min
367. News: The holy grail of the unbanked
Our expert hosts, Sarah Kocianski and Adam Davies, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include:
Josh Bottomley - Global Head of Digital at HSBC - welcome to the show!
David McHenry - Head of Global Treasury & Payments Advisory - EMEA - Silicon Valley Bank - thanks for joining us!
Mark Walker Co-Founder and COO of The Fintech Power 50 - great to have you with us!
We cover the following stories from the fintech and financial services space:
Pension cash could bankroll start-ups (01:56)
HSBC plans First Direct relaunch to compete with digital rivals (08:45)
Robinhood makes second attempt at launching a high-yield account similar to banks (16:04)
The UK just unveiled a $23,000 payment card made from solid gold (24:41)
Revolut in bid for $1.5 billion debt and equity round (30:02)
Nubank now has 15M customers (37:03)
True Balance continues its Indian takeover following a funding round (42:42)
Man loses wallet and the person who found it notified him via a series of bank transfer references (48:25)
Check out our brand new documentary 11:YEARS - the Rise of UK Fintech now. Head over to 11years.film to watch for free, and share using #11YEARS.
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor, Jason Bates, Leda Glyptis and Sarah Kocianski and joined by a range of brilliant guests, we cover the latest global news, bring you interviews from industry experts or take a deep dive in subject matters such as APIs, AI or digital banking.
If you enjoyed don't forget to subscribe and please leave a review
Follow us on Twitter: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com!Special Guest: Adam Davis.Links:
Pension cash could bankroll start-ups | Business | The Sunday Times
HSBC plans First Direct relaunch to compete with digital rivals
Robinhood makes second attempt at launching a high-yield account similar to banks
UK Royal Mint unveils a $23,000 payment card made from solid gold
Finextra Research: Latest FinTech (financial technology) news, analysis, interviews and features.
Brazilian fintech Nubank has grown to 15 million users: CEO | Article [AMP] | Reuters
True Balance raises $23M to bring its payments app to more small cities and towns in India | TechCrunch
Tim Cameron on Twitter
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