Fintech Insider Podcast by 11:FS 1017. News -After Dark: Long live the high street bank! Revolut checks in with Booking.com, and Visa trials stablecoin payouts
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Nov 24, 2025 Denise Johansson, co-founder and co-CEO of Enfuce, shares insights into payments innovation and compliance, while Richard Davies, CEO of Allica Bank, discusses the evolving role of high street branches for SMEs. They tackle Nationwide's commitment to keeping branches open, debate the necessity of physical locations in the digital age, and explore Visa's trials of stablecoin payouts as a fast payment solution. Additionally, they examine the partnership between Revolut and Booking.com, weighing its implications for travelers and loyalty rewards.
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Redesign Branches Around Core Jobs
- Re-evaluate branch purpose and modernise formats rather than simply preserving current networks.
- Design branches for life-changing interactions and direct routine tasks to mobile-first journeys.
Stablecoin Payouts Target Cross-Border Pain
- Visa's pilot lets firms send payments to stablecoin wallets to speed cross-border payouts and benefit gig and creator economies.
- The use case is strongest in slow or volatile-currency corridors, not where instant domestic rails already exist.
Where Stablecoins Actually Win
- Stablecoins offer value where traditional rails are slow or costly, and in markets facing currency volatility.
- In developed markets with instant domestic rails, stablecoins are less compelling for routine payments.