Our expert hosts, Benjamin Ensor, is joined by some great guests to ask: "Could 'mortgages as a service' mark the future of homebuying?"

This week's guests include:

Andrew Lloyd, Chief Customer Officer, Pexa UK
Ewan Silver, Group CTO, 11:FS
Francesca Carlesi, Co-Founder & CEO, Molo Finance

We see embedded finance and banking as a service (or BaaS) as one of the next big evolutions in financial services - whether that’s embedded lending, payments, or insurance.

But buying a house remains the biggest and most significant purchase of most people’s lifetimes - and the mortgage process remains a complete headache in most countries.

Could partnerships between fintechs, banks, and non-financial players – where mortgage services are embedded at the point of need - be the answer?

Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It’s hosted by a rotation of 11:FS experts including David M. Brear, Ross Gallagher, Benjamin Ensor, and Kate Moody - as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.

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Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com!

Special Guests: Andrew Lloyd, Ewan Silver, and Francesca Carlesi.

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Keith Richards: March 12, 2025