Intro

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 this episode:

Host Laura Watkins, Director of Media and Marketing at 11:FS, is joined by a fantastic panel of guests as we dive into some of the biggest stories from the worlds of fintech, banking, and wider financial services this week.

Stories covered on the podcast:

In Q2 2025, AI continued to dominate the innovation landscape, accounting for 30% of all venture capital investment, according to HSBC Innovation Banking and Dealroom's 2025 Q2 Innovation Updates. Healthtech overtook fintech for the first time as the most-funded sector, signalling a shift in investor priorities. Santander’s potential acquisition of TSB could lead to the TSB brand disappearing from the UK high street. Robinhood announced plans to offer tokenised equities, expressing confidence that they will meet regulatory approval. Meanwhile, Monzo faces a significant fine for anti-money laundering failings. We also take a look at research which reveals that Gen X prioritises security over convenience in payment methods, and question whether the payments industry is doing enough to support LGBTQ+ inclusion.

This week's guests:

• Tom Easterby - Head of Fintech at HSBC Innovation Banking

• Jessica Cath - Partner, Financial Crime at Thistle Initiatives

• Sophie Condie - CEO of Shieldpay

Timestamps

Intro - (00:00) 

⁠⁠HSBC Innovation Banking and Dealroom release their 2025 Q2 Innovation Update - (06:32)

Santander bank deal could mean TSB name disappears from UK high street  - (19:19)

Robinhood ‘Confident’ Tokenized Equities Will Withstand Regulatory Scrutiny- (34:01) 

Monzo hit with £21million pound fine for AML failings- (45:12) 

New Report Finds Gen X Prioritises Security Over Convenience in Payment Choices   - (57:08) 

The Payments Association calls for more LGBTQIA+ diversity in payments - (59:54) 

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Links to check out:

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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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Got a question for us? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠podcasts@11fs.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠!

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