Fintech Insider Podcast by 11:FS
11:FS
Fintech Insider is your ultimate guide to the world of finance and fintech from 11:FS - the leading independent fintech consultancy, recognised five times with the British Bank Award for Consultancy of the Year.Our expert hosts, with real industry experience, are joined by the biggest decision-makers, VCs, and reporters from across financial services including Visa, Monzo, Nationwide, JPMorgan Chase, Wise, the Financial Times, and more to discuss breaking news and deep dive into the biggest topics and trends within the industry.Our weekly news show drops every Monday and tackles the biggest news stories across M&A, open banking, embedded finance, payments, regulation and more. Then, every Thursday our Insights show dives deeper into the hottest topics shaping the industry like AI, regulation, Big Tech, the cost of living crisis, and more. Whether you’re already immersed in the world of financial services, or just keen to learn more, this is the #1 podcast for you.Want to get involved in the conversation?Connect with us now on LinkedIn, Instagram and TikTok
Episodes
Mentioned books
17 snips
Jan 22, 2026 • 48min
1031. Insights: How OpenAI is shaping the future of financial services
In this engaging discussion, Matt Weaver, Head of Solutions Engineering for EMEA at OpenAI, explores how AI is transforming financial services. With a rich background in AI and finance, he shares insights on moving beyond chatbots to secure, scalable AI implementations. Matt highlights OpenAI's collaboration with BBVA, emphasizing practical use cases like customer assistance and risk decisioning. He advocates for Europe's competitive advantage in adopting AI responsibly and discusses the potential for task automation to enhance productivity across the sector.
7 snips
Jan 19, 2026 • 1h 10min
1030. News: Nala and Noah partner on cross-border stablecoins – is a 10% US credit card interest cap coming?
Matthew Goldman, founder of Totavi, shares insights on the potential implications of Trump's proposed 10% credit card interest cap, discussing the challenges in implementation. Shah Ramazani, CEO of Noah, reveals how their partnership with NALA aims to revolutionize cross-border payments using stablecoins, addressing liquidity issues in emerging markets. Veronica Glab from Juice highlights the tailored banking needs of content creators versus gig workers, emphasizing the unique financial opportunities in the UAE's evolving creator economy.
11 snips
Jan 15, 2026 • 50min
1029. Insights: How AI is reshaping consumer-focused banking
Guests Ross Gallagher, Fernanda Dobal, and Megan Caywood dive into how AI is revolutionizing consumer banking. They discuss the role of AI in providing real-time insights and enhancing customer interactions with smart, context-aware experiences. The panel explores building trust in AI-driven decisions and the concept of 'self-driving money'—where financial tasks are automated for users. They also reflect on the future of banking, addressing the tensions between innovation, risk, and changing business models as fintechs and incumbents vie for leadership.
Jan 12, 2026 • 60min
1028. News: Flutterwave buys Mono, PicPay files for a US IPO, and Jamie Dimon is ready to share JPMorgan’s ‘secret sauce’
Sarah Kocianski, a fintech consultant, joins Benjamin Dada, founder of Condia, and Miguel Armaza, General Partner at Gilgamesh Ventures. They explore Flutterwave's acquisition of Mono and its implications for Nigeria's open banking landscape. JPMorgan’s new Special Advisory Services initiative aiming to enhance client relations and highlight its AI expertise sparks debate. The trio also discusses PicPay's recent US IPO filing and the rapidly evolving Brazilian fintech ecosystem, alongside thoughts on Mercury's pursuit of a national bank charter.
12 snips
Jan 8, 2026 • 53min
1027. Insights: Lights, camera, transactions! Engineering payments at a global scale with JP Morgan and Netflix
Join Tracy Birdsall, J.P. Morgan's payments expert, and Kristen Morrow-Greven from Netflix as they unveil the secrets behind seamless global payment systems. Tracy dives into the complexity of designing resilient payments infrastructure, while Kristen shares insights on Netflix's challenges with subscriptions and local payment methods. Discover how both leaders leverage technology, AI, and cross-functional teams to enhance user experience. They also explore the future of interactive commerce and the importance of making payments invisible for consumers.
11 snips
Jan 5, 2026 • 1h 4min
1026. Insights: Our fintech predictions for 2026
David M. Brear, Group CEO at 11:FS and fintech strategist, shares bold predictions for 2026 alongside Ross Gallagher, Head of Consulting, and Kate Moody, Customer Strategy Director. They discuss 'digital riches' transforming financial experiences with contextual products and the widening gap between legacy banks and neobanks. The conversation also highlights the potential of digital identity as a market leverage and the evolving landscape of investments, especially for younger consumers. Brand importance and the role of advisory services in democratizing access to investing are emphasized as key themes.
Dec 22, 2025 • 53min
1025. News: GoCardless CEO lifts the lid on the Mollie deal as Monzo targets Revolut’s dominance in Ireland
Hiroki Takeuchi, CEO of GoCardless and a leading payments entrepreneur, shares insights into the strategic acquisition by Mollie and how it will enhance their offerings. Fintech expert Jas Shah adds depth with commentary on Monzo's new EU banking license and its competitive stance against Revolut in Ireland. The duo also discuss the growing influence of online payments in Africa through the Visa partnership and the intriguing trend of Gen Z’s savvy gifting habits this holiday season.
8 snips
Dec 18, 2025 • 53min
1024. Insights: The moments that made fintech in 2025
Join David Barton-Grimley, Director of Strategy at 11:FS Ventures, and Joe Colchester, Head of Product at 11:FS Pulse, as they dive into the most memorable moments of fintech in 2025. They discuss the inspiring accessibility innovations of Project Nemo, break down the buzzworthy term 'agentic AI', and analyze the surprising partnership between Klarna and Stripe. The duo also dissects the implications of recent cloud outages on the industry, rounding off with insights into Nubank's impressive global growth and the future of financial technologies.
Dec 15, 2025 • 56min
1023.News: How Airwallex became an $8 billion fintech giant as US funding falls
Ruth Foxe Blader, a managing partner at Fox Capital with a focus on early-stage fintech, and Thierry Coopman, Partnerships and Payments Lead at Formance, share their insights on the evolving world of fintech. They discuss Airwallex's impressive $330 million funding and its ambitious plans for US expansion. The conversation shifts to the launch of Abu Dhabi's fintech center aimed at digital assets and how the US funding landscape appears to be slowing. They also playfully explore their 'fintech ages,' showcasing tech familiarity in a rapidly changing industry.
Dec 11, 2025 • 38min
1022. Insights: How small and medium-sized businesses win with embedded finance
Kunal Galav, VP at Pleo Embedded, and Simon Gilson-Fox, SVP at Mastercard Europe, share insights on how embedded finance is transforming SMB banking. They discuss the shift in expectations, emphasizing speed and visibility in payment processes. The duo highlights the need for seamless integration of financial tools to reduce reliance on spreadsheets and reinforce trust. They also explore AI's role in supporting CFO functions and predict a future where banks serve as trusted advisors, delivering actionable insights for SMBs.
