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
8 snips
Nov 24, 2025 • 58min
1017. News -After Dark: Long live the high street bank! Revolut checks in with Booking.com, and Visa trials stablecoin payouts
Denise Johansson, co-founder and co-CEO of Enfuce, shares insights into payments innovation and compliance, while Richard Davies, CEO of Allica Bank, discusses the evolving role of high street branches for SMEs. They tackle Nationwide's commitment to keeping branches open, debate the necessity of physical locations in the digital age, and explore Visa's trials of stablecoin payouts as a fast payment solution. Additionally, they examine the partnership between Revolut and Booking.com, weighing its implications for travelers and loyalty rewards.
Nov 20, 2025 • 53min
1016. Insights: Is agentic commerce the future of payments? Live from Paris with J.P. Morgan
Live from Paris, Ludovic Houri of J.P. Morgan, Laurene Lecomte from Backmarket, and Lydie Convert of BlaBlaCar dive into the transformative world of agentic commerce. They explain how AI and automation are reshaping payments and the buyer's journey, moving beyond traditional methods. Insights on fraud detection, real-time treasury operations, and the complexities of cross-border transactions highlight the conversation. The future of commerce emphasizes context and connection, challenging the norms of both industry and consumer behavior.
Nov 17, 2025 • 1h 12min
1015.News: PayPal launches BNPL in Canada, Coinbase expands into current accounts - and financial education hits the classroom
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.
Nov 13, 2025 • 52min
1014.Insights: How do you onboard a borderless business?
In this conversation, Ivan Zhiznevsky, Founder and CEO of 3S Money, shares insights on building cross-border payment solutions for businesses. Rudolf Yagor from OpenPayd discusses the challenges of onboarding complexity in Know Your Business (KYB) compared to KYC. Emma Lindley, founder of Women in Identity, emphasizes the need for improved global registry access to streamline verification. The panel explores innovative approaches like shared digital identities and AI to enhance the onboarding experience for borderless businesses.
4 snips
Nov 10, 2025 • 1h 4min
1013. News: Big moves in the mortgage market - and is everyone using AI to manage their finances?
Iain Armstrong, Executive Director at ComplyAdvantage, shares insights on combating financial crime with AI, emphasizing their innovative compliance platform. Germain Bahri, Co-founder of Zazu, highlights the potential of fintech in Africa, especially after Optasia's significant IPO. Rosie Lee, Senior UX Researcher, discusses the increasing use of AI among Brits for financial management, touching upon trust and regulatory issues. The guests also explore the impact of new mortgage rules and the alarming low motivation levels within financial services.
17 snips
Nov 6, 2025 • 1h 2min
1012. Insights: How Lloyds, Santander and NatWest are shaping the future of banking innovation
David Grunwald, Group Director of Innovation at NatWest, Kamaljit Ahir, Senior Innovation Partner at Santander, and Sarah Farrington, Head of Digital Strategy at Lloyds, dive into the future of UK banking. They discuss the importance of balancing short-term needs with long-term innovation strategies. The trio explores customer-led experimentation, selecting startups post-pandemic, and the challenges of delivering innovation at scale. Key themes include how to safely experiment, leverage data, and incentivize collaboration to drive impactful change in the banking sector.
Nov 3, 2025 • 1h 6min
1011. News: Starling fights fraud with AI, Uber goes global with Checkout and Citi and Coinbase collaborate
Bill Kennedy, Interim CEO at Galileo, shares insights on the new Southwest Rapid Rewards debit card, which rewards everyday spending. Rory O'Neill, CMO at Checkout.com, discusses their innovative partnership with Uber for global payment solutions. Mei Lim, Managing Partner at Anthemis, talks about using AI for fraud prevention and whether it could accurately draft performance reviews, sparking a lively debate. Also covered are Starling's scam-monitoring AI and the Citi-Coinbase collaboration, bridging traditional finance with crypto.
Oct 30, 2025 • 49min
1010. Insights: Sanctions: how can fintechs keep up?
Join Katarina Pranjić, Emil Dall, and James Dodsworth as they explore the forces reshaping sanctions in global finance. They discuss the recent 40% drop in new designations and what that means for fintechs in 2025. The trio dives into the impacts of delistings, evolving compliance challenges, and how AI can enhance sanctions monitoring. They also share practical strategies for fintechs to build agile compliance programs and the importance of understanding regional divergences in sanctions enforcement. Tune in for actionable insights!
9 snips
Oct 27, 2025 • 1h 3min
1009. News: How the AWS outage rocked fintech
Ian Morrin, Head of Payments at Tink, discusses the impact of the recent AWS outage on fintech resilience and the rollout of pay-by-bank in Europe. Merusha Naidu from Paymentology shares insights on their innovative PayCredit platform, enabling faster credit product launches. Pablo Viguera, co-CEO at Belvo, explores the growth of open finance in Latin America, highlighting credit access improvements. The panel also dives into Revolut's strategic license decision in Mexico and the exciting collaboration between Zilch and Plaid.
Oct 23, 2025 • 53min
1008. Insights: How to launch in the Middle East (Rewind)
Gaia Lamperti, a Bloomberg producer with deep fintech insights, joins Ziad Mabsout, CEO of Vennre, and Remo Abbondandolo from Checkout.com to discuss the thriving fintech landscape in the Middle East. They explore the unique market opportunities, emphasizing the underbanked youth demographic and the role of supportive regulations. The trio shares their strategies for choosing the best regional hubs and highlights the importance of cultural understanding and relationship-building in navigating this vibrant market.
