

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

Oct 6, 2017 • 31min
Ep. 137. Interview: Rod Drury, Founder & CEO, Xero
In this episode, Jason Bates interviews Rod Drury, finding out about his multi-skilled and impressive background which ultimately led to him founding Xero in 2006.
We asked about how in his view, Xero is transforming the space for SMBs and accountants, and whether he sees Xero as a disrupter in the space. They also discuss Xero's platform, data and partnership, opportunities post PSD2 and their relationships with banks.
All this comes ahead of Xero's flagship event, Xerocon, the London leg of the event that kicked off this week, and we get Rod's view on that, and how he always envisioned Xero being a globally recognised brand.
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 Guest: Rod Drury.
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Oct 2, 2017 • 1h 2min
Ep. 136. Hacks, hacks and more hacks
In this episode:
We talk hacks, hacks and more hacks as the team take on the fallout from the Deloitte hack, the Equifax boss steps down after their hack, and CBS' Showtime gets hacked with code making user's computers mine cryptocurrency in the background as they watched their favourite shows... Phew!
They also discuss more traditional Fintech Insider news stories including: Starling's latest funding round, Monzo's new integrations and Alipay's latest partnerships, this time in Scandinavia. And finally... a family of raccoons shut down a Toronto bank - you heard it here first.
All that and more on today's show.
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: Andra Sonea and Valentina Kristensen.Links:
Monzo tests in-app energy provider switching feature
Challenger bank Starling aims to fly with £40m fundraising - Sky News
W3C Payment Request API is Being Implemented in All Major Browsers | ProgrammableWeb
Alipay strikes more overseas partnerships - Business Insider
Aussie banks scrap ATM fees
Deloitte hit by cyber-attack revealing clients’ secret emails | Business | The Guardian
CBS's Showtime caught mining crypto-coins in viewers' web browsers • The Register
Equifax Boss leaves after data breach
'Payment by vein' trialled in supermarket
Boffins take biometric logins to heart
A family of raccoons has shut down a Toronto bank
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Sep 29, 2017 • 36min
Ep. 135. Insights: Assets Management
Simon is joined by Pete Townsend founder and CEO of Norio Ventures, and Chris Mills from KPMG's Investment Management team.
Today's show aims to shine a light onto Asset Management, an industry that is ripe for disruption and yet it is slightly overlooked.
Simon starts from the very beginning: what is asset management? How does it work? And who are Asset Managers' clients?
The guys rattle through the very basics to make asset management real and accessible before taking a look at topical queries such as why and how is the market ready for disruption? What does the future look like for asset management and how will fintech products influence this.
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: Chris Mills and Pete Townsend.
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Sep 25, 2017 • 46min
Ep. 134. Fintech Insider: After Dark I
In this episode:
We have a live audience, a later start than usual and plenty to drink as we dive into the week's most topical stories.
First up: digital technology making financial struggles more manageable, how are the underserved or the financially unstable being catered to with fintech?, Is cash still king? And which countries are leading the race to go cashless first?
We have shoutouts to our sister podcasts, InsurTech Insider - as we hear from Nigel Walsh on the top 5 changes insurers "must" make - and Blockchain Insider, as YC announces its bid to let investors invest in their startups via blockchain - is blockchain going mainstream?
We get into a discussion of gender inequality in fintech, Google's mobile payments debut in India and that Equifax hack.
Additionally with the help of our audience, we curated the first ever Fintech Wall of Emoji - what topics and trends did we rate and hate?
All this and more on this week's very special Fintech Insider News!
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: Jamie Campbell, Liz Lumley, Nigel Walsh, and Sarah Kocianski.Links:
Digital technology can make financial struggles easier to manage
The surprising place where cash is going extinct
Do or die: 5 changes insurers must make now
YC wants to let people invest in its startups through the blockchain – TechCrunch
Stats on gender balance in UK fintech: sector 71% male - Business Insider
Google debuts Tez, a mobile payments app for India | TechCrunch
Equifax Suffered a Hack Almost Five Months Earlier Than the Date It Disclosed - Bloomberg
I love this story. South Park Mercilessly Pranked Viewers' Amazon Echos
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Sep 22, 2017 • 53min
Ep. 133. State of the Union
In this episode, Sam Maule hosts a roundtable discussion about the state of fintech, banking and financial services in America right now.
He is joined by special guests: Matt Harris, MD of Bain Venture Capital, Margaux Avedisian, EVP at Transform Group, Robert Barba, Senior Banking and Fintech Writer and Analyst at Bankrate, Inc., and Laura Spiekerman, co-fouder of Alloy.
Between them they cover:
The state of VC, is it a bubble? Will it burst?
The state of crypto currency and ICOs
The state of compliance
The state of the media in relation to financial services, banking and fintech
Thanks to all our guests for taking part!
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.Special Guests: Laura Spiekerman , Margaux Avedisian, Matt Harris, and Robert Barba.
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Sep 18, 2017 • 1h 9min
Ep. 132 News: iPhone Ex
In this episode:
David and Simon are joined by the FT Alphaville's Kadhim Shubber, Fidor's Sophie Guibaud and Pete Townsend of Norio Ventures to discuss the top news stories of the last week.
First up we discuss THAT Apple launch, how Apple's P2P capabilities are a little underwhelming, how Venmo's attempt to fight back against Apple Pay involves a very ugly debit card, and sticking with the theme we discuss Zelle's P2P mobile payments app that recently launched and what it means when banks club together to innovate.
They also discuss whether fintech really is the fastest growing industry in the US, what it means for Jamie Dimon to slam bitcoin, is he just wrong or is it a distraction to cover up something else?
Finally, they take on Monzo letting their customers decide fees for using ATMs abroad, whether 30% of bank jobs will be gone in 5 years as the CEO of Pandit claimed, and ANZ's restructuring to create 150 "startups", it sounds like nonsense but are they the first traditional bank to really understand how to be agile?
Also on the show we have an exclusive interview with digital receipting startup Flux alongside Megan Cawood of Starling, all about their recent partnership and launch on Starling's Marketplace.
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.Special Guests: Kadhim Shubber, Matty Cusden-Ross, Megan Cooper, Pete Townsend, Sophie Guibaud, and Veronique Barbosa.Links:
iOS 11: Apple Pay Just Got Easier | Money
Apple suffers embarrassing demo Face ID fail at iPhone X launch
Venmo is offering users an (ugly) physical debit card | TechCrunch
Fintech: The Fastest Growing Industry in the U.S. - theMReport.com
Starling Bank launches Marketplace, integrates with itemised receipt and rewards startup Flux | TechCrunch
Jamie Dimon Slams Bitcoin as a ‘Fraud’ - Bloomberg
Robots finds a welcome reception among China’s finance and tax services | South China Morning Post
Pandit Says 30% of Bank Jobs May Disappear in Next Five Years - Bloomberg
European banks shuttered over 9000 branches last year
ANZ Bank restructure to create '150 start-ups'
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Sep 15, 2017 • 16min
Ep. 131. Interview: Stephen Barclay, MP
In this episode:
Jason asks Stephen about his financial services and legal background, how that adds to his current role, and what the Treasury do.
He also asks him what his views are on fintech in general and UK fintech in particular, and what it means to the man on the street to enable them with their financial management and give them better services. He also highlights how fintech is changing the reputation of banking for the better.
He also discusses the government's role in assisting and enabling the industry, and the uncertainty around Brexit for the industry, especially around attracting and hiring talent outside of the UK, and finally they discuss what fintechs can do for the government, and vice versa.
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.Special Guest: Stephen Barclay.
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Sep 11, 2017 • 1h 5min
Ep. 130. News: How big is the Shadow Economy?
In this episode,
Author, speaker and fintech guru Dave Birch joins David, Jason and Simon for the news, alongside Richard Davies, formerly of HSBC, about to start at TSB.
We also hear from Alison Rose of RBS at their Entrepreneurial Spark event.
This week they discuss what Google's banking app might look like; First Direct repositioning itself because great customer service is no longer a differentiator; is India really overtaking China in fintech adoption?
What's the truth behind the "big number" Deutsche Bank staff being replaced by robots, according to their CEO? And could this have been publicised better?
As Portugal bans large cash payments we discuss stashes, hoards and how big is the Shadow Economy? As ING promotes itsme in Belgium they discuss who do we trust most with our data? AliPay Smile launches in China proving that electronic face recognition is better than humans and the perfect marketing strategy vis innovation that has been executed here.
And finally, following Sam Maule's lead, which song matches these stories best? Check out our Spotify playlist to listen to the ones the team chose and see if you agree! https://open.spotify.com/user/11fs/playlist/4JGfsBeULjw5xHf16zStCO
As always, find all the news stories in this episode and many more at fintechinsidernews.com, follow us on Facebook, and 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!Special Guests: Dave Birch and Richard Davies.Links:
Google Bank Application Concept on Behance.
First Direct repositions as it admits customer service is no longer a differentiator
Report says India is about to overtake China's fintech
China’s fintech firms eye overseas IPOs to fund growth as regulations tighten at home | South China Morning Post
Deutsche Bank boss says 'big number' will be replaced by robots
Portugal bans cash payments of >EUR 3k
It’s not you, it's me! | ING
Alipay 'Smile to Pay' tech comes to Chinese KFC
Lilium just raised $90 million to become the Uber of the sky - Business Insider
Fintech Insider News - 11/09
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Sep 8, 2017 • 48min
InsurTech Insider - Ep 3. The data economy and new business models
In this episode:
David and Nigel are joined by three fantastic guests: Jean-Stephane Gourevich, professional advisor and InsurTech guru, Luca Schnettler founder of Healthy-Health and Erik Abrahamsson, CEO and founder of Digital Fineprint.
We kick things off with a debate about how the data economy disrupting the insurance sector and creating new product/business models and what that means for InsurTech and both our guests' companies.
They discuss: the importance of collaboration and the value of personal data; millennials' view on data sharing - is it as laissez-faire as we believe?; and the impact regulation may have on insurtech when it comes.
In the news section they talk through £218M investment in insurtech in H1 2017 alone and what this means for the industry, drone footage analysis to help insurers; greater European Insurtech partnerships as a result of Brexit, and the bizarre correlation between insurance claims and the Great British Bakeoff!
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 @instechinsider.Special Guests: Erik Abrahamsson, Jean-Stephane Gourevitch, Luca Schnettler, and Nigel Walsh.
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Sep 4, 2017 • 1h 1min
Ep. 129. News: Double Ether and Cheese
In this episode:
Monty Munford and Sarah Kocianski join Jason Bates, Simon Taylor and David Brear for this week's news show.
They discuss how cultural fit might be hurting Fintech Companies and how banks should be working with Fintechs. Whether phone keyboards the gateway to smoother payments or should we also just be using Amazon Cash instead? Canadians get into the personalised banking game and the podcast crew take on Whoppercoin. All this and healthy dose of stories from Monty on this weeks Fintech Insider News.
As always, find all the news stories in this episode and many more at fintechinsidernews.com, follow us on Facebook, and 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!Special Guests: Monty Munford and Sarah Kocianski.
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