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
Aug 11, 2025 • 1h 6min
987: News: Revolut go after US banking licence, record breaking raises in the UAE, and is Klarna's IPO back on track?
Join Brian Spurling of Cogo, who brings sustainability solutions to banks; Jasper Sneff Nanni of FS Vector, an expert on U.S. banking charters; and Ruth Foxe Blader of Foxe Capital, an early-stage fintech investor. They discuss Revolut's bid for a U.S. banking license and how Cogo's electronification tool can help homeowners save on energy costs. Plus, they explore the record-breaking funding for fintech Alaan in the UAE and speculate if Klarna's IPO could make a comeback.
Aug 7, 2025 • 52min
986: Insights: Getting the UK innovating again: A conversation with Colin Payne from the FCA
Colin Payne, Head of Innovation at the FCA, brings over 25 years of expertise shaping the financial landscape. He discusses the importance of balancing creativity with compliance to foster genuine innovation in the UK fintech sector. Colin shares insights on the FCA's initiatives, like the supercharged AI sandbox, which aims to enhance regulatory responsiveness. He also emphasizes the need for strategic partnerships with tech firms and the significance of trust in navigating the evolving digital finance ecosystem, making this conversation a must-listen.
Aug 4, 2025 • 1h 8min
985. News: UAE surpasses UK in fintech funding, PayPal enables crypto payments, and Wise moves closer to US listing
Sophie Gibbard, a strategic sparring partner for B2B fintech founders, and Mike Carter, a senior policy advisor at Innovate Finance, dive into the booming fintech landscape. They discuss the UAE's impressive leap in global fintech funding, surpassing the UK. PayPal's new 'Pay with Crypto' feature and Wise's potential US listing are hot topics, highlighting the evolution of digital finance. Plus, they touch on the surge in Australians using mobile wallets and Revolut's new financial services for teens, emphasizing innovation in financial independence.
Jul 31, 2025 • 50min
984. Insights: Are financial services still failing small businesses?
Conrad Ford, Chief Product and Strategy Officer at Allica Bank, emphasizes the evolving financial needs of larger SMEs. Hanna Sommer from Liberis discusses building strategic partnerships to enhance funding access. Robin Jones from iwocaPay highlights the importance of digital solutions for B2B transactions. Together, they explore the challenges SMEs face in securing financing, the role of innovative fintech solutions, and how automation and AI can streamline processes. Their insights shine a light on the urgent need for collaboration in the financial services sector.
9 snips
Jul 28, 2025 • 1h 3min
983. News: Monzo shifts investments to Seccl, Pipe levels up with AI and BNPL meets its regulator
Guests Claurelle Rakipovic, Chief Product Officer at Pipe, James Holmes, Chief Commercial Officer at Seccl, and Neil Kadagathur, CEO and Founder of Credit Spring, delve into key fintech news. They discuss Monzo's transition to Seccl and explore Pipe's innovative AI agents aimed at enhancing business efficiency. The conversation also tackles the tightening regulations around Buy Now, Pay Later schemes, highlighting the importance of affordability checks. Plus, insights into financial literacy and the evolving landscape of investment are shared, making for an enlightening discussion.
28 snips
Jul 24, 2025 • 44min
982. Insights: Things just got personal - The case for better personalisation in financial services
Join Ken Hart, CEO of Snowdrop Solutions, Daniel Gold, CEO of Stratiphy, and Fernanda Dobal, Director of Product at Cleo, as they dive into the future of personalization in finance. They discuss how AI and data-driven insights can transform financial services into personalized experiences. The trio explores the delicate balance between customization and data privacy, highlighting differing consumer attitudes in the UK and Germany. Tune in for their insights on leveraging technology to enhance engagement while addressing trust and security concerns!
8 snips
Jul 21, 2025 • 52min
981. News: Bilt celebrates a big raise, Lloyds eyes Curve, and is JPMorgan killing fintech?
Join Jason Mikula, founder of Fintech Business Weekly, Veronica Glabb, an independent fintech strategist, and Julie Arnoux from Wise Platform as they dive into the latest fintech happenings. They discuss JPMorgan's controversial plan to monetize customer data, Wise's groundbreaking partnership with UniCredit for cross-border payments, and Bilt's impressive valuation leap to $10.75 billion. The team also touches on Lloyds Banking's potential acquisition of Curve and whether a British soap opera crossed ethical lines by promoting fintech!
4 snips
Jul 17, 2025 • 46min
980. Insights: Can embedded finance be a fix-all for SMBs?
Marcin Glogowski, the UK CEO of Marqeta, dives into the latest State of Payments report, revealing critical challenges facing small and medium-sized businesses (SMBs). Stéphane Dehaies from Spendesk discusses innovative spend management tools, highlighting how tailored solutions can enhance financial accessibility for SMBs. Hanna Sommer of Liberis explores the benefits of embedded finance and flexible funding options, such as 'Pay with Libris', showcasing how these innovations empower SMBs to thrive in a competitive landscape.
16 snips
Jul 14, 2025 • 1h 7min
979. News: Monzo slapped with bumper fine, Robinhood stands strong on tokenisation, and will TSB vanish from the high street for good?
Tom Easterby, Head of Fintech at HSBC Innovation Banking, joins Jessica Cath, a financial crime expert, and Sophie Condie, CEO of Shieldpay, to discuss major shifts in fintech. They explore the rise of AI in investment, the looming disappearance of TSB due to potential Santander acquisition, and Robinhood's exciting move into tokenized equities. The group also touches on Monzo's hefty fine for regulatory lapses and the need for better diversity and inclusion within financial services, especially concerning LGBTQ+ representation.
Jul 10, 2025 • 49min
978. Insights: Innovating through crisis, how can banks stay ahead?
Joining the discussion are Ross Gallagher, Head of Consulting at 11:FS, known for his expertise in leveraging digital innovations, and Kate Drew, Director of Research at CCG Catalyst Consulting Group, who leads efforts to navigate market dynamics. They dive into the upheaval faced by banks post-pandemic and the shift from innovation to securing core operations. Key challenges like inflation and regulatory pressures make the role of consultants vital, exploring AI's potential in community banking while emphasizing the need for empathy in understanding client needs.
