Fintech Insider Podcast by 11:FS

Sam starts the show by butchering the names of old friends, talking about the San Francisco housing crisis and if Frisco is a cool name for the city. The panel moves on to podcasts, pitches, the importance of story telling when it comes to brand, and how podcasts can change the world. After the break the panel discusses how to understand the way money works and how decentralised ledgers might have a much bigger impact in other parts of the world. All this and much much more on this episode of Fintech in a Flat. We hope you enjoyed the show! Subscribe so you never miss an episode, and if you want to show us some love then please leave a review on iTunes. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.comSpecial Guests: Betsy McCormick, Jason Zaler, Michael Casey, Ollie Judge, and Sheel Mohnot.Links:San Francisco is so expensive people are leaving in droves - Business Insider Learn more about your ad choices. Visit megaphone.fm/adchoices

Sam and the panel discuss the very latest in fintech news. Kicking things off with the Facebook Cambridge Analytica scandal, Mark Zuckerberg's appearance before Congress, and that grown men need to stop being juvenilised. After a few bowls of home-cooked chilli the panel get back to the mics to talk about Equal Pay Day and how companies are trying to empower people to ask for the money they deserve. Diversity issues are discussed by Founders who come from various backgrounds who share what it's like starting up in the industry. We hope you enjoyed the show! Subscribe so you never miss an episode, and if you want to show us some love then please leave a review on iTunes. Let us know your thoughts @FintechInsiders and join the discussion by signing up at www.fintechinsidernews.comSpecial Guests: Dan Macklin, Divine, John Waupsh, and Yuliya Tarasava.Links: Mark Zuckerberg goes to Washington. He can handle it. - Recode Kara Swisher: In Silicon Valley, ‘stop juvenilizing men’ - POLITICO Learn more about your ad choices. Visit megaphone.fm/adchoices

Our After Dark shows are always exciting and this one’s no different. In front of an amazing audience the panel kicks things off with Paypal’s new movements. M-Pesa wallet goes online thanks to a collaboration between Paypal and Safaricom. Meanwhile over in the USA, Paypal is making moves towards more traditional banking in a bid to connect those without bank accounts to the digital economy. Young coders might be avoiding London over Brexit fears. But is Brexit a real problem for the fintech space and are coders leaving or is the talent rush just slowing down? Andy Murray lobs over an interesting bit of fintech news by betting that British Fintech is going to a smash hit. But how big is he betting? Accenture released their wealth management report on the next era, focusing on Millennials. Despite all the good stats on what Millenials want, can a one-size-fits-all digital experience ever work? Amazon targets teens, the online bookshop-turned-retail-monolith wants to get to teenagers before the banks are able to. It’s a common tactic used to establish brand loyalty while consumers are young. Sweden turns against cashlessness amid fears it puts us at risk of attack, with 70% of Swedes wanting to retain some use of cash. But 40% of Britons say they can see themselves going completely cashless in the future. So why is there such a split? Square’s Cash App arrives in the UK, it’s a potential competitor to Venmo, but can it survive in the UK amongst platforms like Starling and Monzo? Rounding out the stories tonight, it turns out that the wild entrepreneur John McAfee is charging $105,000 per tweet promoting digital coins and Initial Coin Offerings. Yet another dodgy story on the man who had a very suspicious time in Belize with murdered neighbours and suspected drug dealers. His life is a movie deal waiting to happen. We hope you enjoyed the show! Subscribe so you never miss an episode, and if you want to show us some love then please leave a review on iTunes. Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News. Definitely tweet us if you were at After Dark live with us! We always love hearing from you all.Special Guests: Liz Lumley, Megan Cooper, and Richard Davies.Links: M-Pesa wallet goes online in collaboration with PayPal PayPal Makes a Move Toward Traditional Banking Threat to fintech industry as young coders shun London over Brexit Charlotte Crosswell: “Fintech is our best chance post-Brexit” Why Andy Murray Is Betting Big On British Fintech Millennials and Money: Next Era of Wealth Management | Accenture Amazon Wants to Get to Teenagers Before the Banks Do 'Being cash-free puts us at risk of attack': Swedes turn against cashlessness 40% of Brits ready to stop using cash, according to exclusive research from Kantar TNS. - Business Insider Cash App - Send Money Instantly McAfee charges $105k per tweet to promote an ICO Learn more about your ad choices. Visit megaphone.fm/adchoices

We ask Ross about his love for SMEs and how the traditionally underserved market will benefit from the new open banking regulations as well as how critical SMEs will be for fintechs. We get an insight into what Barclays is doing to integrate fintech and making sure that they continue to serve SMEs. Ross also tells us about the wider implications of open banking, what fintechs should be aiming for when pitching to clients, and how banks can partner with agile services in the open banking world. Ross shares his views on the techwave set to hit all industries, how that’s going to impact the role of banks and how they can advise SMEs to adapt to new changes in order to perform in their sector. Cyber-fraudsters have a new target in busy SME owners, Ross explains how banks need to educate themselves and customers to protect them from becoming victims. All this and much more in this episode of Fintech Insider. We hope you enjoyed the show! Tap subscribe so you never miss an episode, and if you want to show us some love then please leave a review on iTunes. Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News.Special Guest: Ross Dalzell. Learn more about your ad choices. Visit megaphone.fm/adchoices

Ross and Richard discuss the upcoming design competition, how TSB aims to utilise innovative design in a wider business banking context and of course all the rules. TSB is looking to champion SMEs and tackle their problems, thrive and be more productive without having to weighed down by banking admin. Richard Davies tells us what he wants the competition to achieve and how being the first high street bank with a modern banking platform will give TSB an advantage Universities, students, and fintech freelancers are the main audience for the competition. Everyone else would probably be breaking the terms of their contract. TSB want applicants to figure out how to transform banks physical reach and capabilities for helping local business to right across the UK. We learn about the O2O hybrid, fusing the digital and real worlds together, that TSB is moving forward with, and how they’ve been inspired by Alipay’s take on it. The competition is also looking for fresh thinking without any preconceived notions of what banking is, it’s about leading a generation. TSB is working with 11:FS and 12 universities on the competition. The prizes are pretty exciting. £9000 has been set aside in total, 2 x £3000 and 3 x £1000 paid out by TSB directly to the winners. We hope you enjoyed this bonus show! Subscribe so you never miss an episode, and you know you want to show us some love so please leave a review on iTunes. Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News.Special Guest: Richard Davies. Learn more about your ad choices. Visit megaphone.fm/adchoices

Jeff Tijssen, 11:FS Head of Consulting, Sophie Winwood, Head of Partnerships at Innovate Finance, and Valentina Kristensen Head of PR and Marketing at Oak North all speak with Ross Gallagher on the skills you need to make it in the fintech world. Getting things started we’re talking about what backgrounds are best to break into fintech and where all our panel came from to get to where they are now. We explore what the fintech industry is looking for in applicants and who it’s trying to attract. Which matters most, the finance or the technology? And where does the customer fit into it? We also look at where the principles of Fintech and traditional finance converge and separate. Something definitely worth considering for those difficult to answer interview questions. The panel discuss where new technology is disrupting the traditional financial model and whether you really need a background in financial services to break into the fintech world. To round things off we look at where younger people need to go, who they need to be talking to and what questions they need to be asking to become the next generation of fintech talent. We hope you enjoyed the show! Subscribe so you never miss an episode, and if you want to show us some love then please leave a review on iTunes. Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News.Special Guests: Jeff Tijssen, Sophie Winwood, and Valentina Kristensen. Learn more about your ad choices. Visit megaphone.fm/adchoices

In our birthday episode we take you on a lookback from the entire 11:FS team over the last couple of years. Including the highlights and challenges of taking on clients, applying for projects with banks and everything we do besides make podcasts. Our founders share why the company got together, where they saw a gap in the market and how they made the leap to take it on. Fintechs of the future have to do things in a slightly different way today to stand out from the major consultancies. Growth is the keyword for most banks these days across the world. Can fintechs deliver that level of growth needed or are banks going to be forced to keep repeating the cycles pre-2008? We also take you under the hood of 11:FS Pulse 2, set to launch at the end of the month, and why even with a small team it’s possible for fintechs to deliver next-gen services. Simon shares a few of his favourite rumours about what we do for big banks, but Jason brings it back to what we’ve actually done and what banks actually need in the new era. Doing something new from a business standpoint in an intelligent way. Sophie shares the challenges of actually growing a startup in a smart and sustainable way from an employee numbers standpoint. When word gets out applications shoot up and how finding the right match between roles, people, and the company itself is an art. David and Jason share a few of their core beliefs on making a startup grow properly, how pyramid growth is outdated in an agile market. Even with three distinct business faces, media, consulting and research, 11:FS is, at its heart, only one team. It’s vital to startups for all their teams to adapt and work together. Diversity of thought is a driving factor behind 11:FS growth, Sophie explains why diversity isn’t just about gender but finding people who can blend together different ideas and use them to drive forward the company's goals. Storytelling is a huge part of what we do, Ollie and Laura give their feedback on why 11:FS media has been so successful. Podcasts like this, speaking events, providing narratives with the real facts and the real reasons behind stories instead of focusing on soundbites are all just one part of why. Transparency at all levels only ever helps. Conflict works in a startup, rather than sticking to a company line, Simon shares how it’s proven to be a big help to 11:FS to have disagreements. So long as the entire team is driving towards the same goal having a discussion only helps to achieve that. All this and more on this week’s special Fintech Insider. Of course none of this would be possible without you our listeners and so we want to say thank you for all your support so far and we're looking forward to delivering even better content in the future. Thank you for listening! You can find us on Twitter @FintechInsiders or @11FSTeam or find us on Facebook, YouTube and Instagram or drop us a line podcasts@11fs.com Don’t forget to subscribe to the show so you never miss an episode, and if you really love us, leave us a review on iTunes.Special Guests: Jeff Tijssen, Ollie Judge, Ross Methven, and Sophie Theen. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this very special takeover episode we uncover exactly who Hargreaves Lansdown are, directly from their new tech centre in Warsaw and why a company like theirs needs to be on the cutting edge. Creating a tech platform and digital focused business has become a key part of their business. We discuss the importance of constant innovation and technology in the industry and how it helps them stand out from the crowd. Hargreaves Lansdown share how they’re making waves in the fintech space outside of the London fintech bubble in the UK and abroad. The digital age doesn’t mean the end of analogue, HL discusses why they still see value in an analogue safety net that puts the client first. Website and mobile functionality have changed, new tech and new feedback has meant that firms have to adapt how they deliver experiences across devices, HL share how they’ve done it. Mobile users suffer from a lack of understanding from companies, the panel discuss how knowing their audience has been key to their growth and how all their tech is routed in essential customer needs. Word of mouth is still a key driver in growth, the panel discuss how much of an impact it has on their business and that the relationship they build with their clients from that is their most valuable asset. We talk about all this any much more on this Friday’s episode of Fintech Insider. Thank you for listening! You can find us on Twitter @FintechInsiders or @11FSTeam or find us on Facebook, YouTube and Instagram or drop us a line podcasts@11fs.com Don’t forget to subscribe to the show so you never miss an episode, and if you really love us, leave us a review on iTunes.Special Guests: Chris Hill, Chris Worle, David Davies, Michal Glowinski, and Pete Townsend.Sponsored By: Learn more about your ad choices. Visit megaphone.fm/adchoices

We’re at the IFTC held at London’s Tobacco Dock where Simon is meeting some of the fintech envoys outlined in the Chancellor’s keynote address and getting some insights into how the new fintech strategy will play out. David Duffy explains the excitement behind the fintech bridges and the challenges ahead for fintechs and banks working together. Eileen Burbidge shares key insight on the state of the fintech landscape today, how the UK leads the industry, how fintechs need to adapt in the face of GDPR and the power of transparency. Al Lukies gives us some more information on the fintech bridges and how the Australian bridge will be stronger than the Singapore, Hong Kong, South Korea and China bridges. Collaboration is at the heart of the bridge but it’s at the first step of a long journey. Nikhil Rahti comments from his unique position on fintechs gradual change from the B2C market to financial markets. How new tech is improving sectors the world over and just why open access distributed ledger technology might speed transactions up to transform the global financial market. Adrienne Harris gives her global perspective on fintechs growth, where its future challenges lie, how the UK and US can learn from each other, and the importance of efficient regulation. Imran Gulamhuseinwala tells Simon about the Open Banking implementation and ensuring that the 9 largest banks in the UK implement it properly. He also explains that Open Banking will have a few more iterations before it’s complete and what the next few phases will be. We hope you enjoyed the show! Don’t forget to subscribe so you never miss an episode, and if you really love the show please leave us a review on iTunes. Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News.Special Guests: Adrienne Harris, Alastair Lukies, David Duffy, Eileen Burbidge, Imran Gulamhuseinwala, John Glen, and Nikhil Rathi. Learn more about your ad choices. Visit megaphone.fm/adchoices

Laura and David take a look at the last week’s biggest stories, alongside Jeff Tijssen, Monzo’s Leah Templeman and Bud’s Ed Masleveckas. Kicking off with a few announcements from some big banks - Deutsche Bank claims the bank account could be a thing of the past in less than 20 years time, which sounds contravertial but in the same speech it appears he’s only just realised banking is ready for disruption. In a similar vein, Citigroup annouce their big banking comeback… with a mobile app. Moving onto the UK banking and fintech scene, TSB have announced the arrival of their marketplace - making them the first of the high street banks to offer such a thing. Ross Gallagher caught up with TSB’s Commercial Director, Richard Davies to find out more. Next up, Leah talks us through Monzo’s integration of Yolt and also helps us dissect Monzo’s diversity report - David is most impressed with their “sexy” graphs. We also talk about Revolut’s virtual disposable cards - and the sheer rate at which Revolut are rolling out new products and services. Laura caught up with Vlad Yatsenko, Revolut’s CTO to find out more about the use case behind the virtual cards and how it helps prevent card fraud in ecommerce. The second half kicks off with two international money transfer stories as Santander team up with Ripple to speed up cross border payments to under 24hours - but they might have been pipped to the post by new BBVA-backed start up, Denizen who claims it has created a “global banking platform” that allows customers to receive money in one country and pay it out in another immediately, avoiding international transfer fees and eliminating currency exchange fees. Rounding out the show with millennials, coffee and cake as Amex acquire UK fintech Cake while Square is encouraging millennials to buy more coffee with their Square Cash cards for discounts… and the chatbot Plum is offering more ethical investment services to its mainly millennial user base. And finally a man beats up a cash machine in Australia and the footage makes the Daily Mail! We hope you enjoyed the show and had an eggs-cellent Easter weekend! Don’t forget to subscribe so you never miss an episode, and if you really love the show please leave us a review on iTunes. Let us know your thoughts @FintechInsiders and join the discussion by signing up at Fintech Insider News.Special Guests: Ed Maslaveckas, Jeff Tijssen, Leah Templeman, Richard Davies, and Vlad Yatsenko.Links: Bank accounts could disappear within 15 years according to one of Deutsche Bank's most senior execs Citigroup to Again Be a Nationwide Bank, but in Digital Form TSB launches lending marketplace for small businesses Monzo integrates with ING-backed app Yolt Monzo shares it's annual update on diversity & inclusion Revolut’s disposable cards Santander is set to launch an international money transfer app with Ripple Denizen launches first fee-free global account American Express quietly acquired UK fintech startup Cake for $13.3M Square is offering some customers $1 off coffee purchases Savings chatbot Plum introduces ethical investment tool Learn more about your ad choices. Visit megaphone.fm/adchoices