Intro

About this episode:

Live from Paris, David M. Brear steps into the heart of payments transformation - a shift that’s unfolding far beyond the checkout screen and deep within the financial stack.
 Commerce has become something that operates in the background, quietly and intelligently. This is the emergence of agentic commerce, where automation and intent drive every interaction.
The conversation explores how e-commerce is moving from traditional cart-based journeys to code-driven experiences, and why treasury teams are demanding real-time infrastructure that can keep pace with their decision-making. It examines the regulatory wave reshaping how European builders and banks innovate, and highlights the pioneers making cross-border movement feel as effortless as expressing intent.
Joined by leading voices across the ecosystem, the episode reveals a future of payments defined not by speed or cost alone, but by context, control, and connection

This week's guests: 

• Ludovic Houri - Managing Director, Head of Merchant Services EMEA/APAC and Global for large accounts at J.P. Morgan 

• Laurene Lecomte - Director of Global Payments, Risk & Fraud at Backmarket

• Lydie Convert - Head of Cash Management at BlaBlaCar

Learn more about ⁠⁠JP. Morgan Payments

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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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