Fintech Insider Podcast by 11:FS

1005. News: Are Checkout and Monzo reviving the British fintech invasion?

Oct 13, 2025
Guest
Grant Evans
Guest
Stefano Vaccino
Guest
Dan Dall'Asta
This episode features Dan Dall'Asta, a General Partner at Fox Capital with a knack for U.S. fintech insights, Stefano Vaccino, CEO of Yapily, an open banking innovator, and Grant Evans from Worldpay, a payments expert. They discuss Checkout.com’s new U.S. banking charter and its market implications. Yapily’s partnership with Google is unveiled, enhancing business verification across Europe. The panel also delves into Monzo's U.S. ambitions, YUP's substantial funding round for Southeast Asia, and a new California law addressing loud ads in streaming.
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INSIGHT

MALPB Charters Shift Payments Control

  • Obtaining a MALPB charter lets payments firms act as their own acquirer and reduce reliance on third-party banks.
  • Dan Dall'Asta and Grant Evans argue this cuts costs and raises the bar for merchant acquiring capabilities.
ADVICE

Weigh Build Vs Buy For Bank Licences

  • Consider build versus buy: take a limited-purpose charter only if cost and strategic control justify it.
  • Avoid full bank charters unless you plan to offer lending, deposits, and broader banking services.
INSIGHT

Hubs Grow By Industry And Regulatory Pull

  • Fintech hubs like Atlanta emerge from existing industry clusters and then attract regulatory support.
  • Dan Dall'Asta explains hubs become self-fulfilling as talent, firms and regulators converge.
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