1002. Insights: The digital transformation race: big banks vs neobanks.
Fintech Insider Podcast by 11:FS
Barriers to modernization in legacy firms
Denise discusses executives avoiding hard truths about infrastructure, knowledge gaps, and the risk of being 'too late' due to embedded systems.
About this episode:
In this episode, in partnership with Enfuce, host Benjamin Ensor dives into the real state of banking transformation in today’s digital-first world. It’s no longer just legacy banks versus neobanks; it’s about who can truly meet rising customer expectations, master regulatory complexity, and scale quickly without breaking what already works.
Are the big banks finally pulling ahead, or are nimble neobanks still leading the charge?
We unpack what modernisation really means—from infrastructure and innovation to trust and real-time delivery.
Tune in as we explore the strategies shaping the future of banking.
This week's guests:
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Denise Johansson - Co-founder and CEO of Enfuce
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Andy Sturrock - CTO of Atom Bank
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Richard Davies - CEO of Allica Bank
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About 11:FS
At 11:FS, we don’t just talk digital - we make it happen. We're building truly digital financial services by partnering with bold teams to take them from market insights to real-world products. Whether you're an incumbent innovating or a startup breaking new ground, we bring the strategy, research, design, and delivery to make it real. Less talk, more impact.Proud winners of the British Bank Award for Consultancy of the Year - five times and counting. 👉 Learn more at 11fs.com/ventures
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About Fintech Insider:
Fintech Insider by 11:FS is a bi-weekly podcast that covers everything from finance and banking to technology and the latest trends in financial services.
Our expert hosts, with hands-on industry experience, are joined by key decision-makers, VCs, and top reporters from across the financial landscape, including guests from companies like Stripe, Revolut, Plaid, PayPal, and Monzo. Together, they break down the biggest news and innovations shaping the space.
Our weekly news show drops every Monday, covering major stories like mergers, new product launches, regulatory shifts, and emerging tech trends. On Thursdays, our Insights show goes deeper into the hottest topics driving the future of finance, including AI in banking, decentralised finance, and the evolving landscape of embedded finance.
Whether you're already in the fintech game or just starting to explore, this is the #1 podcast for you.
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