In this podcast, the 11:FS panel discusses the biggest fintech stories of 2023. They cover topics such as the impact of interest rate changes on fintech companies and customer behavior, the success of fintech startup Revolu, the challenges and impact of merging organizations, the decline of Goldman Sachs in embedded finance, generative AI in the financial sector, and exciting developments in fintech.

Financial expert Rachel Pandyan and guests discuss Islamic finance in Western markets, including definitions, opportunities, Islamophobia impact, and fintech solutions. They explore growth potential, ethical banking, and challenges faced by Islamic and Western banks. The podcast also delves into inclusive financial products and the role of fintech in addressing financial exclusion.

Guests Rachel Pandyan, Doug Mackenzie, and Anil Stocker join the hosts to discuss the latest fintech news, including HSBC being fined £57m by the Bank of England, Mastercard's plan to replace passwords with biometric authentication, and Nova Credit's support for Ukrainian refugees. They also cover stories about PayPal reducing its workforce, a petition for financial literacy in schools, and a humorous incident involving Tom Hollander receiving Spider-Man's bonus cheque.