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
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.
8 snips
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.
7 snips
Dec 8, 2025 • 1h 6min
1021. News: Revolut takes on phone snatchers - and banks still need to take sustainability seriously
In this engaging discussion, Aditi Subbarao, a financial services expert at Snowflake, James O’Sullivan, founder of Nuke from Orbit, and Virginie O'Shea, industry analyst and founder of Firebrand Research, delve into pressing fintech topics. They tackle Revolut's innovative 'Street Mode' feature designed to combat transfer mugging while also exploring HSBC's strategic AI partnership with Mistral. Additionally, Virginie sheds light on the FCA's proposed regulations for ESG ratings, highlighting the need for transparency in financial markets.
9 snips
Dec 4, 2025 • 45min
1020. Insights: How ready are you for stablecoin regulation?
Thierry Coopman leads partnerships at Formance, specializing in payments infrastructure. Inna Kostiuk manages crypto business development at Worldline. Dea Markova directs policy at Fireblocks, advising on digital assets. They discuss the rapid growth of the stablecoin market, driven by inflation and underbanking in regions like LATAM and Africa. Regulatory clarity is vital for commercial adoption, with key differences between the U.S. GENIUS Act and EU's MiCA. The panel predicts a concentrated market of dominant stablecoins and highlights the challenges of integrating regulations into operational practices.
Dec 1, 2025 • 1h 3min
1019. News: Bank it like Beckham, Klarna’s stablecoin pivot, and Chase taps in on the Tube
Nick Philpott, Co-founder of Zodia Markets, dives into Klarna's bold move into stablecoins and the implications for the fintech space. Megan Caywood, CEO of Caywood, connects stablecoin adoption to the future of programmable money, while Veronica Glab, from Juice Ventures, discusses how embedded finance can empower UK SMEs. The panel also explores Chase's new partnership with TfL and what David Beckham's collaboration with Bank of America means for brand ambassadorship in fintech. Prepare for thoughtful insights on finance's evolution!
Nov 27, 2025 • 56min
1018. Insights: What it's actually like to build a fintech in the Middle East
Join Abdulkareem Alkhiary, co-founder of Edikar, Nauman Ali, founder of Orbii, and Rawan Baddour, co-founder of Zest, as they dive deep into the vibrant Middle Eastern fintech scene. They discuss the real challenges of launching startups, navigating regulatory landscapes, and the necessity of adaptability in a fast-evolving market. The founders share their personal journeys, innovative solutions like automated payroll savings and credit intelligence, and why the region is an emerging hub for financial innovation.
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.
