Fintech Insider Podcast by 11:FS

Today's insights show takes a closer look at what's going on in the fintech space in Luxembourg. How can a fintech hub be such a big deal if no one’s ever heard of it? Where is Luxembourg anyway, isn’t it that tiny country sandwiched between France, Belgium and Germany? We speak to the best experts to answer all these questions: Pierre Gramegna - Luxembourg Finance Minister Nicolas Mackel, CEO, Luxembourg for Finance Nasir Zubairi - CEO of LHoFT Denise Voss - Chairman of ALFI, the Association of the Luxembourg Fund Industry. Mike Kane, CEO of Hydrogen Andy Bryant, COO of Bitflyer Europe Elena Poughia, MD of Dataconomy We take a deep dive on the fintech sector at Luxembourg, what the country's doing to create a thriving environment for fintechs, and how the country is building a fintech hub set to rival London, Berlin, and every other European fintech hub. This episode was written and produced by Laura Watkins and edited by Michael Bailey.Special Guests: Andy Bryant, Denise Voss, Elena Poughia, Mike Kane, Nasir Zubairi, Nicolas Mackel, and Pierre Gramegna. Learn more about your ad choices. Visit megaphone.fm/adchoices

John Hope Bryant is CEO and Chairman of Operation Hope, Promise Homes, CEO of Bryant Group Ventures, and Co-Founder of Global Dignity. He was also the first person Sam Maule ever interviewed for 11:FS. The two of them sit down. a year later, to discuss financial inclusion and how it makes everyone wealthier. Promise Homes is a profitable enterprise combining all of John Hope Bryant's passions and interests, aimed at encouraging underserved people to become owners of their own property by renting to them with a goal to becoming part owners and eventually whole owners. It also creates a healthy renter-landlord relationship that benefits everyone in the transaction. A 200 point difference in credit score is all it takes to massively change someone's life, as John Hope Bryant says: there's never been a riot in a 700 credit score neighbourhood. Whereas in a 500 credit score community is where the real problems are found. Raising the value of communities is central to John Hope Bryant's message, it stabilises the area and reduces conflicts. He shares how he's helped uplift people's lives by creating financial structures that increase wealth for everyone involved. When poor people do better it increases the wealth of wealthy people. John Hope Bryant shares what he's doing to increase the wealth of people in communities that works to improve standards for everyone and how important confidence is in building that wealth. We hope you enjoyed the show! Don't forget to subscribe so you never miss an episode, and follow Fintech Insider on Twitter or Facebook. If you really loved it, please leave us a review, we love reading them! This episode was produced by Laura Watkins and edited by Holly Blaxill.Special Guest: John Hope Bryant. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode the team sit down with top fintech CEOs to tackle the week's top financial news Kicking off with the news that in the ten year anniversary of the financial crisis, Brits still don't trust their banks to act in the interests of society. We explore what this means, whether banks have ever acted in the interests of society and if this really is the case? We asked some people on the streets around our offices to see if they agree. Find out what they said. Big banks have had it tough in this week's headlines - TSB have had another outage in the exact week the FCA have mandated banks to declare their outages, and the Telegraph reveals the slightly underhand dealings with savers' rates, in the days and weeks before the Bank of England's interest rate rise. We spoke to Dominic Lindley Director of Policy, New City Agenda (and a member of the Financial Services Consumer Panel) to get his take on this, and to summarise all the big bank bad news stories we’ve just covered. Amazon have announced their desire to become a price comparison site, sending their competitors' share prices tumbling, we also got some great insight from Oliver Ralph, Insurance Correspondent at the FT on this one. The team also examine: Revolut's customers getting locked out of their accounts in an attempt to crack down on money laundering; JP Morgan's new investment app which is aimed at millennials and first time investors and offers free trades and the big fintech valuations of the week, which predict Monzo will become the next fintech unicorn in Europe. All this and so much more on today's episode of Fintech Insider! Subscribe so you never miss an episode, leave a review on iTunes and every other podcast app. Spread the fintech love by sharing or tweeting this podcast @FintechInsiders and join the discussion. This week's episode was written and produced by Laura Watkins and edited by Michael Bailey.Special Guests: Anil Stocker, Caroline Plumb, Dominic Lindley, Oliver Ralph, and Tom Eyre.Links: British public don't trust banks 10 years after crisis, survey finds | Reuters TSB online banking goes down again as customers complain after another outage Brit banks must disclose outages via API, decrees finance watchdog • The Register Revealed: the banks that robbed savers of a rate rise Amazon considering insurance comparison site for UK, says report | The Independent Customer fury at Nikolay Storonsky’s Revolut lock-out | Business | The Sunday Times JP Morgan to unveil new investing app with an eye-catching, disruptive price: Free Monzo poised to join ranks of Europe’s fintech ‘unicorns’ | Financial Times 5 Trends Emerge in the Gartner Hype Cycle for Emerging Technologies, 2018 - Smarter With Gartner Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's insights show takes a closer look at what it means to have a digital identity and who really controls who you are online? We speak to the perfect experts to find out: Jamie Smith - Strategic Engagement Director - Evernym Emma Lindley - Senior Director of Digital ID and Money at Visa Vinny Lingham - Co-founder and CEO of Civic Diane Joyce - CTO for the Post Office Identity Services Katryna Dow - Founder and CEO of Meeco Our hosts dive deep into the issue, finding out what your digital identity actually means, who owns it, who the biggest players in the space are and how you can reclaim it with self-sovereign ID. Laura and Ryan also take a look at how digital identity works globally and how it's set to develop in the future. This episode was written and produced by Laura Watkins, and co-produced by Petrit Berisha, edited by Michael Bailey.Special Guests: Diane Joyce, Emma Lindley, Jamie Smith, Katryna Dow, Ryan Garner, and Vinny Lingham. Learn more about your ad choices. Visit megaphone.fm/adchoices

Tom Peters is co-author of In Search of Excellence, a book that's often touted as the best business book there is. Nearly 30 years later and with 16 more books under his belt, Tom Peters is still leading the management guru industry he created. Sam Maule talks to him about everything that influenced his life and led up to the moment Peters wrote In Search of Excellence. Emphasising the need for innovation, transparency, honesty, empowerment, openness (all the traits 11:FS stands for) Tom Peters isn't afraid to call out bullshit where he sees it. Although, Tom is just as capable of going off-topic as Sam. This is a chat between two guys who love their jobs, love their careers, and reflect on both well enough to know how they got where they are today. There's a lot of expertise required to know hot to make things better. Tom Peters has led a career that's let him write in great detail what it means to derive the best results from a project. That stems from understanding the things that prevent everyone from delivering. And if you pay him well enough, he'll even tell you politely. Tom Peters makes a living from telling CEO they are doing everything wrong and they love him for it. He'll spend the first five minutes of every speech messing with his audience purely to make a connection with them in the moment it really matters most. We hope you enjoyed the show! Don't forget to subscribe so you never miss an episode, and follow Fintech Insider on Twitter or Facebook. If you really loved it, please leave us a review, we love reading them! This episode was produced by Laura Watkins and edited by Michael Bailey.Special Guest: Tom Peters. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's insights show takes a closer look at what defines a challenger bank, how the name's stuck, and what it actually means. Is it all because of a grudge or is it seeking to disrupt the banking status quo? We speak to the perfect experts to find out: Anne Boden - CEO and Co-Founder of Starling Anthony Thomson - Founder of Atom Bank, Metro Bank, and a new Australian bank (86 400) Tom Blomfield - CEO and Co-Founder of Monzo Oscar Williams-Grut - Senior Reporter at Business Insider Our intrepid hosts travel around the issue, finding out what the founders of challenger banks think of the classification, what differentiates them from incumbents (after all many features are available from both types of bank), how challengers create competition amongst themselves and how with the banking landscape changing as rapidly as it is, what the future holds for all financial insitutions, both neophyte and incumbent. We hope you enjoyed the show! Don't forget to subscribe so you never miss an episode, and follow Fintech Insider on Twitter or Facebook. If you really loved it, please leave us a review, we love reading them! This episode was written by Laura Watkins. Produced by Laura Watkins. Edited by Michael Bailey.Special Guests: Anne Boden, Anthony Thomson, Oscar Williams-Grut, and Tom Blomfield. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's insights show takes a closer look at how to solve the major issues of opening a bank account, payments, and getting a loan that are challenging SMBs at the moment. We speak to experts to find out who's going to win the race for SMB loyalty: Edward Berks, Director of Banking, Fintech & Ecosystem, Xero Nadya Hijazi - Global Head of Business Banking Digital, HSBC George Bevis, CEO, Tide Megan Caywood, Chief Platform Officer at Starling Paul Bulpitt, Head of Accounting at Xero and Founder of the Wow Company Last time we looked at SMB banking we heard from independent business owners about their individual experiences with SMB banking. Now we want to know if they're typical and if anything they said was surprising to the experts? We hope you enjoyed the show! Don't forget to subscribe so you never miss an episode, and follow Fintech Insider on Twitter or Facebook. If you really loved it, please leave us a review, we love reading them! This episode was written by Laura Watkins. Produced by Laura Watkins & Petrit Berisha. Edited by Michael Bailey & Holly Blaxill. Hosted by Sarah Kocianski.Special Guests: Edward Berks, George Bevis, Megan Cooper, Nadya Hijazi, Oren Greenberg, Paul Bulpitt, and Sam Booth. Learn more about your ad choices. Visit megaphone.fm/adchoices

AI is a massive subject that's been so spun out by marketing, consultancies, and project proposals as a cure all that it's become difficult to understand what it actually is. To start things off we define what AI really is so you know your AI fact from fiction, then we move on to how AI has developed from simple 'if and then' statements into the powerful applications of Machine Learning. We interview Charlie Wood, Principal Consultant at Capco to get an inside look at what's going on in the AI space. He helps break down the myth behind AI and how it's being used today. We also speak to Scott Seely, Principal Solutions Architect at Microsoft to break down how Computer Vision relates to AI and how advanced image recognition capabilities are becoming as well as where chatbots are becoming reliable with language recognition. We also take a look at where AI is being applied in complex use cases and how skeptical experts are about AIs ability to make you money. Then we take a look at what's going on with AI in financial firms, why AI experts don't want to move into financial services and what needs to be done to make AI a useful product for banks in the future. This episode was written by Petrit Berisha & Sarah Kocianski. Produced by Petrit Berisha & Laura Watkins. Edited by Holly Blaxill & Michael Bailey. Hosted by Sarah Kocianski. Debunking the myth of AI was brought to you by Microsoft Azure. If you’d like to find out more how they could help you out leverage your existing systems for much more head on over to microsoft.11fs.comSpecial Guests: Charlie Wood and Scott Seely.Sponsored By:Microsoft Azure Learn more about your ad choices. Visit megaphone.fm/adchoices

Some people think it's lucky to be able to make decisions, but Howard Lindzon doesn't see things that way. It's about practice, not being paralysed by indecision and limiting your options to two positive outcomes and then picking the one that you're able to live with. You've gotta keep moving forward and to keep everyone around you motivated and wanting to move forward. CEOs are vital to the nature of a startup, they need to be able to pull their company in the direction they want to grow in as fast as they can and keep everyone who's with them excited and interested. Sam and Howard also discuss how not everyone can be a great CEO but that isn't a bad thing. The world needs great second-in-commands and people all down the hierarchy, without them there'd be no companies. Being a CEO means being a great recruiter and communicator in addition to raising money. You can't just be good at one of them, all three are vital to being a CEO. It's important to ensure staff know what you need them to be doing, when, and most importantly, why. Angel investors are focused on creating the best possible team for the company, finding the specialists who are capable of operating in the space like a scalpel because they know what they're good at, how to do it, and are solely focused on getting their tasks done. And most importantly, trusting the others to achieve what they need to do too. We hope you enjoyed the show! Don't forget to subscribe so you never miss an episode, and follow Fintech Insider on Twitter or Facebook. If you really loved it, please leave us a review, we love reading them! This episode was produced by Ollie Judge and edited by Michael Bailey.Special Guest: Howard Lindzon. Learn more about your ad choices. Visit megaphone.fm/adchoices

Sarah and Simon sit down with Editor in Chief of Computer Weekly, Bryan Glick, Business Development at Bud, Nina Mohanty, and 11:FS Pulse Analyst, James Safford. The panel discuss the latest news hitting the fintech space this week, including: Google Pay rolls out support for peer-to-peer payments and mobile ticketing, Zimbabwe's eco-cash two day crash exposes the vulnerabilities of going cashless, MasterCard suffering a glitch to Faster Payments with many payments delayed, TSB customers suffer yet again after an app update locked out users; Nordnet fire AI assistant Amelia after a poor performance review, Neobank Space was made in just 8 months, Open Banking is 6 months old and what it's achieved. And finally, of course, death is no reason for breaking the rules according to Paypal. All this and so much more on today's episode of Fintech Insider! Subscribe so you never miss an episode, leave a review on iTunes and every other podcast app. Spread the fintech love by sharing or tweeting this podcast. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.com This week's episode was produced by Laura Watkins and edited by Michael Bailey.Special Guests: Bryan Glick, James Safford, and Nina Mohanty. Learn more about your ad choices. Visit megaphone.fm/adchoices