Fintech Insider Podcast by 11:FS

Sam welcomes us into the Fintech Insider flat, our temporary base while we explored this year's Sibos conference, hosted by SWIFT. He's joined by some fantastic guests - Mike Sigal from 500 FinTechs (part of 500 Startups), Dion Lisle from CapGemini, Jo Lang from IBM, and April Rudin from The Rudin Group - to talk about the state of Canadian fintech. First, the guys talk about the conference circuit and discuss their standout experiences of Sibos, including Sam's interview with Brad Garlinghouse, CEO at Ripple. We hear how Innotribe started out, and how it's evolved since then. Plus, which topics pulled the biggest crowds; how did distributed ledger technology (DLT) fare at Sibos; and why describing yourself as "the Uber of..." might just make you a moron! Are the prices in the payments industry on a race to zero? And why might banks be struggling to bank fintechs? We also hear why some fintech Blockchain "experts" might be talking, um, nonsense, and what might have been the secret to Stripe's success? And it's no surprise that we're talking about Jamie Dimon's views on Blockchain and Bitcoin once more. Think he's spot on or way off? Let us know! Plus, why talking ICOs might make Sam shoot himself. Despite that, we do speculate about the future of cryptocurrencies. The guys talk asset management, how spending patterns have changed across generations, and the transfer of wealth. Also, how have data and ethics impacted investment decisions? Enjoy the show! Spread the word, tell all your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook.Special Guests: April Rudin, Dion Lisle, Jo Lang, and Mike Sigal. Learn more about your ad choices. Visit megaphone.fm/adchoices

The guys start this week's show by tackling the Revolut founder and CEO Nikolay Storonsky's divisive view on work culture. Should employees be comfortable working 12-13 hours per day and does it make for a sustainable business? And more broadly, does this story hint at a wider issue in the fintech sector? We also discuss the Lessons Learned report from the FCA Regulatory Sandbox, which allows innovative firms to carry out live testing. We talk about what proportion of firms received investment, whether applicants, like many things, are London-centric, and why distributed ledger technology (DLT) was so popular. Plus, why are startups using DLT being denied banking services? Monzo and Starling have both moved closer to payments integration. But are services like Android Pay and Apple Pay building a significant following, or are they just a good news story for the mobile banks? Facebook Messenger has added P2P payments capability - but is PayPal still useful? And why doesn't David Brear make for a good sample population? The guys discuss the partnerships that Alipay has secured to continue expanding its reach in the US. And do members of boards at big firms really have the right digital experience to lead through technological change? N26 have decided to make the brave move of entering the US market by mid-2018; so when will other be following them? The team also talk about how N26 has marketed the benefits of network effects; and the source of regulators' fear at losing control of monetary policy. Plus, the Poppy Appeal has gone contactless; UAE appoints the first Minister for Artificial Intelligence (and why AI is red, red, red hot); childrens' financial education via Digipigi; and why the Bank of England has spent £3000 on Snapchat to promote the new £10 note. Enjoy the show! Spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook.Special Guests: Kadhim Shubber and Sharon O'Dea.Links: Our culture is 'about getting s**t done': The Revolut founder on why his people work 12-13 hours a day Tech workers worry about age discrimination at age 40: Study 📄📄📄 The FCA Regulatory sandbox lessons learned report Monzo and Starling take bigger steps towards payment integration Monzo – Android Pay is Here! Fitbit pay arrives with Starling Bank! HSBC partners with Bud for open banking trial Poppy Appeal goes contactless Facebook Messenger adds PayPal as P2P payment option Alipay expands US reach with North American Bancard, Poynt deals N26 announces plans to launch in the US by mid-2018 UAE appoints first Minister for Artificial Intelligence Viva Kids World: Digipigi – More Than a Money Box Bank of England spends £3,000 on Snapchat filter to promote new £10 Learn more about your ad choices. Visit megaphone.fm/adchoices

Jason and Simon are joined by Erik Edin, Product Manager in the Business Team, helping businesses to send money abroad; Helena Jaramillo, Product Designer, focussing on first-time customer experiences; Jeremy Buttner, Borderless Banking Lead; and Steve Naudé, Head of Middle East and Africa Banking, bringing the Transferwise experience to customers. We hear how Transferwise serve their customers, who their customers are, and how they’ve created a transparent charging structure for sending money abroad. Plus, why Transferwise see themselves as a financial company, and how they work with banks around the world. We also hear how securing direct access to the Faster Payments System (FPS) in the UK allowed Transferwise to create the best customer experience, and how working with the regulator in Singapore to enable online KYC. Transferwise talk us through their approach to marketing, and why transparency is so important (they’ll tell their customers when a competitor is cheaper!). Plus, the team explain the importance of partnerships in helping other firms get to grips with PSD2 and open banking. We also discuss future products, phase two of Transferwise and focussing on their niche. Plus, the Transferwise view on cryptocurrencies and the why it’s important to engage legal and compliance from the get-go. We hope you're enjoying the show - don't forget to subscribe so you never miss an episode, and we'd also love it if you could leave us a review on iTunes! Get in touch at podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook.Special Guests: Erik Edin, Helena Jaramillo, Jeremy Buttner , and Steve Naudé. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week's special edition of Fintech Insider Insights was recorded live at Xerocon 2017 from London's Excel Centre. David hosts a panel on Frictionless Finance, discussing how technology is lowering barriers to entry and we hear how the panelists are tackling friction in finance. David talks to Caroline about Fluidly's intelligent cashflow technology and her experience at Xerocon, plus we hear from Shachar about the problem that Curve is trying to solve, connecting all cards and accounts in one app, using one card. Next up, Colin talks to us about iwoca, an online lender specialising in small businesses, and about his background in Strategy. Plus, how a partnership with Xero has fueled iwoca's growth and why Xerocon is so important to them. Stewart Roberts explains how iZettle is changing the way small businesses take payments, as well as all the things they can do after that point. Back on the panel, how does a big bank keep up with its customers' needs and why is it all about connecting people? David also asks about the big pain points for small businesses and some of the solutions, including the importance of saving time, how automation can provide that all-important peace of mind and why it's all about discovery and accessibility. And there's more - the challenges and opportunities created by open banking; how data will be used in the future; Brexit (you knew it would crop up...);the responsibility of running a marketplace; and where will SME banking be in ten years' time? Enjoy the show! Spread the word, tell all your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook.Special Guests: Caroline Plumb, Colin Goldstein, Niall Cameron, Shachar Bialick, and Stewart Roberts. Learn more about your ad choices. Visit megaphone.fm/adchoices

In a special news show this week, Sam Maule hosts all the way from Toronto, Canada, where the team have been covering the Sibos conference. The guys have another chance to discuss open banking and APIs, hot topics at Sibos this year; why value generation is seen as one of the biggest challenges posed; and how partnerships with fintech firms will help banks to find those important new sources of revenue. Sam also covers the complicated relationship between Swift, the Sibos organisers, and Blockchain at the same time that Ripple was hosting Swell, a competing event right across town. Sticking with the Blockchain theme, we talk about Bank of Canada's Sibos announcement that they're looking into applying Blockchain technology to the securities market. And in keeping with our location, we cover the launch of Marqeta, a payment processing platform, in Canada next month, and discuss why their Just-in-Time, or JIT, technology is a big draw for firms. And fintech's still hot! Or at least, that's what the latest figures on financial deals tell us. But which are the hottest prospects? And how might Wall Street defend its position against Silicon Valley? The guys round off this week's show with a look at the state of Canadian fintech. Hope you enjoy the show and don't forget to leave us a review on iTunes! Let us know your thoughts @FintechInsiders or find us at podcasts@11fs.com.Special Guests: Barb MacLean, Dan Eberhard, Kris Hansen, and Zac Cohen.Links: Sibos 2017: API or the highway Sibos Highlights Swift's Complicated Relationship With Blockchain Bank of Canada exploring blockchain technology for securities Payment Processor Platform Marqeta to Launch in Canada Next Month It Was a Busy Quarter for Deals in Fintech Learn more about your ad choices. Visit megaphone.fm/adchoices

This week, Nigel’s fresh off the back of InsureTech Connect in Las Vegas – the largest gathering of the insurance technology world on the planet! This year, attendance jumped to 3,800 - congratulations, guys, we look forward to next time. While there, Nigel caught up with Darin Reffitt, Vice President of Marketing at Splice Software, which combines art and science to create stronger customer connections. Nigel and Darin explore the rise of voice and speech-to-speech technologies and emotionally relevant customer messages. Next up, Nigel meets Quentin Colmant, co-Founder of Qover, providing real-time insurance via open APIs. We hear how their solution allows customers to start selling insurance in five minutes. Nigel also talks to Tim Hardcastle, CEO of Instanda, a platform for insurance providers to improve product delivery. Tim talks about the lessons he’s learnt, through the dotcom boom to starting Instanda in 2012, and how the established insurers are responding to insurtech start-ups. Plus, is insurance really no different from any other consumer market? We hear from Chris Cheatham, founder and CEO of Risk Genius, whose mission is to organise the world’s insurance policy information. Chris tells us why the insurance world doesn’t really know what’s in its insurance policies and how Risk Genius is tackling the problem. And finally, Nigel sits down with Caribou Honig, Chairman and cofounder of InsureTech Connect, and cofounder of QED Investors. Caribou explains why right now might just be the most exciting time to be in insurtech. We also ask: how can incumbents evolve and is the centre ground of insurtech shifting between Europe and the US? Enjoying InsurTech Insider? Tell a friend about us, get in touch at podcasts@11fs.com or on Twitter @InstechInsiders, and please leave us a review on iTunes.Special Guests: Caribou Honig, Chris Cheatham, Darin Reffitt, Nigel Walsh, Quentin Colmant, and Tim Hardcastle. Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode, Jason talks to: Gavin Littlejohn, Chair of the Financial Data and Technology Association that led the campaign for open banking; Mike Kelly, founder and CEO of Curl; Anita Kimber, Head of Open Banking and Innovation at Nationwide; and Matt Cox, Head of Insight and Innovation at Nationwide. We get under the skin of the second Payment Services Directive (PSD2) to ask where did it come from? Our team of experts takes us back to the beginning to explore the genesis of PSD2 in payments and account aggregation, and how this has evolved into today's regulation. Jason asks how PSD2 is progressing in the UK and how its being implemented. And is PSD2 a threat or an opportunity for incumbents? We discuss the big challenges to implementing PDS2 and how registration for start-ups will work. What do consumers make of open banking and how can firms illustrate solid use cases to communicate with them? Looking forwards, we ask how the upcoming GDPR legislation will interact with PSD2. Listen in for all this and much more on the challenges, opportunities and consequences of PSD2. Enjoy the show! Spread the word, tell all your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook.Special Guests: Anita Kimber, Gavin Littlejohn, Matt Cox, and Mike Kelly. Learn more about your ad choices. Visit megaphone.fm/adchoices

What a show we have for you this week and it's a week of firsts - MJ's first time in the hot seat to host the show - on her own, no less - and our very own Benedict Shegog from the 11:FS Pulse team makes his Fintech Insider debut. So what's coming up on the show? David Cameron's back in business! US payments business, that is. The guys discuss his credentials for the job and why he might be acting like a Kardashian. Have we seen the end of the banking heyday? And why might ex-Barclays boss Antony Jenkins be saying so? We also hear about Russian bitcoin bros and Putin's views on cryptocurrencies, suggesting that Russia's central bank may be next in line to introduce regulation. We also caught up with Adam Dodds from Freetrade.io, the challenger stock broker, who shared their exciting news about achieving full FCA authorisation, and told us about their journey on the road to disrupting the stock trading industry. The team discuss Venezuela's reliance on cash and how it's stoking inflation. And how on earth will China give citizens a score based on their trustworthiness? Should they? Will they? Also on today's show: Monzo fending off one takeover offer per month; Starling's latest app feature; Zopa building a new bank; Zazu crowdfunding a digital bank; and why it's finally been shown that Siri is a simpleton! Enjoy the show! Spread the word, tell all your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook.Special Guests: Benedict Shegog, Charlie Wood, Liz Lumley, and Sarah Kocianski.Links: David Cameron takes job with US electronic payments ​​firm Ex-Barclays boss Antony Jenkins: the heyday of banking will never return Russia’s Putin sounds alarm over risks of cryptocurrencies Putin And Ethereum: A Match Made In Fintech Venezuela has too much money but not nearly enough cash The Chinese government wants to give every citizen a score based on their trustworthiness London fintech star Monzo is fending off one takeover offer each month Starling Bank launches goals (saving / virtual pots feature) Zopa CEO Jaidev Janardana on building a new bank Zambia’s Zazu begins crowdfunding to launch digital bank It’s official-Siri is a simpleton EU investigates possible Dutch and Polish blocking of fintech services Learn more about your ad choices. Visit megaphone.fm/adchoices

First up on this week's episode, Sam talks to Ron Herman, founder and CEO at Sionic Mobile, an Atlanta cloud-based connected commerce platform company. Sam explores their work on a connected in-car gateway, beacons and how brands can leverage their presence. Next, Sam talks to Michael Crawford from Fifth Third Bank. Michael explains Momentum, Fifth Third's new app to tackle student loan debt, and why the regional bank chose to get into fintech. They also explore Fifth Third's 'skateboard' approach to building out a product and why they set up a project team of millennials. Hope you enjoy the show and don't forget to leave us a review on iTunes! Let us know your thoughts @FintechInsiders or find us at podcasts@11fs.com.Special Guests: Michael Crawford and Ron Herman. Learn more about your ad choices. Visit megaphone.fm/adchoices

David's representing 11:FS without the other guys this week, but he's not alone as he's joined by Bianca Lopes, Sarah Kocianski, and Jamie Campbell to power through another packed show. First up, and straight off the back of our appearance at XeroCon, we cover Curve's partnership with Xero. Hit or miss? Let us know what you think. The team discusses Starling's launch of Business Accounts - yet another string to their bow - and has the Brexit vote hit Tandem's ability to raise money? The guys talk about two stories on Atom - contrasting their £42m loss last year to the increase in their deposits over £900m. And we discuss whether pensioners are being penalised for saving too much. Are consumers comfortable sharing their financial data and, if not, could the news derail the open banking revolution? Meanwhile, HSBC gets the jump on other large UK banks, announcing a new app to link customer accounts. Plus...Aviva invest in Wealthify, real-time payments on two continents, yet more news on Equifax, and a cryptocurrency for Ghostface Killah. Find all these stories and much, much more over at fintechinsidernews.com. Sign up to join the discussion, spread the word, tell your friends and don't forget to leave us a review on iTunes. If you want to get in touch, drop us a line at podcasts@11fs.com or on Twitter @FintechInsiders and follow us on Facebook.Special Guests: Bianca Lopes, Jamie Campbell, and Sarah Kocianski.Links: Curve partners Xero to automate expenses Business Accounts with Starling Bank Tandem's 2016 accounts: Brexit blamed for trouble raising money - Business Insider Atom Bank lost 42m last year | The Times Atom Bank passes £900 million in deposits - Business Insider Pensioners stung with £46,332 tax bill for saving too much Two thirds of consumers don't want to share financial data in blow to 'open banking' revolution HSBC's Beta app allowing customers to link accounts | This is Money Aviva to make strategic investment in Wealthify - Aviva plc Banks to switch to real-time payments from Australia Day | Australia news | The Guardian Justice Department gives big banks green light on real-time payments | American Banker Equifax just scored a $7 million contract to protect the IRS from fraud - Oct. 3, 2017 Ghostface Killah Is Starting a Cryptocurrency Company | PigeonsandPlanes Learn more about your ad choices. Visit megaphone.fm/adchoices