Fintech Insider Podcast by 11:FS

Join host Benjamin Ensor, along with some great guests as we discuss the biggest fintech and financial services news this week.Topics covered include: E-commerce fraud losses could surpass $100 billion worldwide by 2029, Fintech Australia backs government scam protection, as the UK government pushes for transaction delays, the Fintech funding squeeze could scupper London IPOs, Zopa Bank releases Impact Report from the 2025 Fintech Pledge.This week's guests: Joshua Vowles-Dent - Business, Strategy and Partnerships Manager at ComplyCube Clare Gambardella - Chief Customer Officer at Zopa  Paul Clarke - Chief Growth Officer at Cashflows Stories covered on the show:E-commerce fraud to exceed $100 billion worldwide by 2029Fintech Australia backs government scam protectionFintech funding squeeze could scupper London IPOsZopa Bank releases Impact Report from the 2025 Fintech PledgeCashflows and Mastercard to bring Click to Pay to UK firmsBank of Ireland introduces ‘Startup Stand up’ to integrate comedy into pitchesJoin our new WhatsApp community, where you can get the inside track on all all things 11:FS, as well as having your say on the things we should be paying attention to.https://chat.whatsapp.com/KpA4gFbbWDlLFm7kx39raf--With Apple recently forced to open their NFC after intense pressure from the European Commission, the wallet wars are set to intensify. And armed with a mobile wallet that kills fees abroad, gives customers cashback, and is pimped out with innovative features like Go Back in Time® and Anti-Embarrassment Mode, Curve believe they’re poised to come out on top. Can David really take on the Goliath of tech?Go to www.curve.com to learn more.--Fintech Insider by 11:FS is a bi-weekly podcast dedicated to all things finance, banking, technology, and financial services.Our expert hosts, with real industry experience, are joined by the biggest decision-makers, VCs, and reporters from across financial services including guests from Visa, Nubank, M-Pesa, Starling, and JP Morgan Chase to discuss the latest news, developments, and trends within the industry.Our weekly news show drops every Monday and tackles the biggest news stories, from acquisitions and launches, to regulatory changes and innovation. Then, every Thursday our Insights show dives deeper into the hottest topics shaping the industry like web3 and BNPL.Whether you’re already immersed in the world of financial services, or just keen to learn more, this is the #1 podcast for you.If you enjoyed this episode, don't forget to subscribe and please leave a reviewGot a question for us? Email podcasts@11fs.com! Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of Fintech Insider Insights, in association with Curve, host David Barton-Grimley is joined by a panel of payments and e-wallets experts to tackle the emerging Wallet Wars.Apple Pay – and the Apple Wallet – has become dominant in the space over the last decade, but with the tech giant forced to open the iPhone up to third-party wallets, there’s suddenly competition in the market.So, we’re delving into the challengers looking to take on Apple and innovate in the wallets space. This week's guests: Shachar Bialick - Founder and CEO of Curve  Tom Noyes - Partner at Starpoint LLP  Fliss Berridge - Director and Co-Founder of Ordo Join our new WhatsApp community, where you can get the inside track on all all things 11:FS, as well as having your say on the things we should be paying attention to.https://chat.whatsapp.com/KpA4gFbbWDlLFm7kx39raf--With Apple recently forced to open their NFC after intense pressure from the European Commission, the wallet wars are set to intensify. And armed with a mobile wallet that kills fees abroad, gives customers cashback, and is pimped out with innovative features like Go Back in Time® and Anti-Embarrassment Mode, Curve believe they’re poised to come out on top. Can David really take on the Goliath of tech?Go to www.curve.com to learn more.--Fintech Insider by 11:FS is a bi-weekly podcast dedicated to all things finance, banking, technology, and financial services. Our expert hosts, with real industry experience, are joined by the biggest decision-makers, VCs, and reporters from across financial services including guests from Visa, Nubank, M-Pesa, Starling, and JP Morgan Chase to discuss the latest news, developments, and trends within the industry.Our weekly news show drops every Monday and tackles the biggest news stories, from acquisitions and launches, to regulatory changes and innovation. Then, every Thursday our Insights show dives deeper into the hottest topics shaping the industry like web3 and BNPL.Whether you’re already immersed in the world of financial services, or just keen to learn more, this is the #1 podcast for you.If you enjoyed this episode, don't forget to subscribe and please leave a reviewFollow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com! Learn more about your ad choices. Visit megaphone.fm/adchoices

Alberto Dalmasso, CEO of Satispay, shares insights on Italy's mobile payment landscape and challenges in fintech regulation. Jessica Cath, a partner at Thistle Initiatives, discusses the serious implications of Starling Bank's £29 million fine due to inadequate crime controls. They dive into Nationwide's significant acquisition of Virgin Money and the antitrust lawsuit against Visa, unpacking the impact on the UK's banking sector and the pressing need for effective governance in a rapidly evolving financial landscape.

Mark Mullen, CEO and Co-Founder of Atom Bank, the pioneering digital challenger bank, shares insights on a decade of disruption in the UK banking sector. He discusses the challenges of building a trusted brand and the strategic decision to operate from Durham, promoting equitable job opportunities. Mullen also reveals the impact of Atom's innovative four-day workweek on employee satisfaction and business performance. Looking ahead, he emphasizes focusing on profitability and refining current offerings rather than aggressive expansion.

Revolut is gearing up to expand into the Middle East, seeking a banking license while celebrating 10 million UK users. Chase is set to launch credit cards in the UK, shaking up the local market. Startling research reveals that 28% of UK adults have encountered voice cloning scams, prompting discussions on security in fintech. Guests share their startup stories, highlighting challenges, innovations, and the need for greater consumer awareness around emerging fraud threats.

Natalie Wexler, VP of Platform Offering Strategy at Adyen, and Jason Downing, SVP of Product Management at Epos Now, dive into the world of embedded finance. They discuss how it streamlines transactions for small businesses, enhances customer experiences, and integrates financial tools into platforms. The conversation covers the evolution of financial services, the importance of bundling banking with payment solutions, and the future of payments catalyzed by AI. They also highlight how companies can thrive by building strong customer relationships through innovative financial strategies.

Kevin Fox, a seasoned chief executive in financial technology, joins the discussion on major industry shifts. Apple may soon hand over its card business to JPMorgan, stirring regulatory concerns. US Senators are calling for stricter rules on Banking-as-a-Service providers, reflecting increasing oversight. Meanwhile, fintech funding has plummeted nearly 50% compared to last year. Innovative strategies emerge, with Monzo offering new payment options and Pizza Hut testing unique marketing by delivering resumes on pizza boxes.

Join Jason Mikula, founder of a leading fintech publication, Nicolas Benady, CEO of a banking platform, and Susan French, a Banking-as-a-Service consultant, as they unpack the unforeseen crisis in the fintech world. They discuss the fallout from the collapse of key players, which triggered a loss of customer trust and millions in losses. The trio delves into the evolution of BaaS, cybersecurity challenges, and regulatory complexities, alongside a fresh perspective on the potential future for successful fintechs like Adyen and Stripe.

This week’s guests are Vanessa Schotes, CMO at Enfuce, and Henk Van Hul, CEO of Open Banking. They discuss LendInvest's impressive £500m fundraising from JP Morgan and the significance of NatWest's role in the Open Property Data Association. Vanessa highlights Enfuce’s groundbreaking 2-in-1 debit and credit card, designed to simplify payments for European consumers. The conversation also dives into the implications of the newly completed Open Banking framework, emphasizing how innovations can reshape lending and financial inclusivity for younger generations.

Andrew Denholm, Head of Product Design at Chip, and Kish Patel, Head of Design at Lightyear, dive deep into the art of customer onboarding. They explore the delicate balance between compliance and user experience, emphasizing trust and simplicity during that crucial first interaction. The discussion highlights innovative approaches like gamification to boost engagement. They also tackle challenges such as account verification, and the impact of onboarding on user retention in the evolving fintech landscape.