Fintech Insider Podcast by 11:FS

1015.News: PayPal launches BNPL in Canada, Coinbase expands into current accounts - and financial education hits the classroom

Nov 17, 2025
Guest
Nicolas Benady
Guest
Joshuah Lebacq
Guest
Mike Saraswat
Mike Saraswat, founder of Stoa, discusses a novel approach to savings that rewards users with lifestyle perks instead of traditional interest, challenging conventional financial norms. Joshuah Lebacq from the National Bank of Canada explores the implications of PayPal's fee-free BNPL service in Canada, stirring up debates on potential impacts. Nicolas Benady, CEO of Swan, highlights the rise of embedded finance, enabling businesses to offer tailored banking solutions. Plus, financial education is on the rise in UK classrooms, signaling a shift in how money management is taught.
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INSIGHT

Financial Education Is Just The Beginning

  • England will introduce compulsory financial education across primary and secondary schools to teach saving, budgeting and decision-making.
  • Panelists agree this is only the start and successful rollout needs teacher training, assessed lessons and engaging formats.
ADVICE

Teach Money With Playful Case Studies

  • Teach money through playful, case-study formats rather than burying it in maths to avoid resistance and increase engagement.
  • Use real scenarios so students feel treated like adults and connect learning to real decisions.
INSIGHT

PayPal's Canada BNPL May Move Few Needles

  • PayPal launched fee-free Pay in 4 BNPL in Canada, splitting CA$30–1,500 into four interest-free instalments over six weeks.
  • Panelists think impact will be limited because e-commerce and PayPal's share of retail are relatively small in Canada.
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