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.

On this episode of Fintech Insider Insights, in association with Adyen, host David Barton-Grimley explores the capabilities opened up by embedded finance – looking at the time and money that can be saved when business have powerful financial tools at their fingertips.We're joined by a panel of expert guests in the embedded finance and payments space to look at how payments can be integrated into platforms, to meet the customer where they are.This week's guests: Natalie Wexler - VP Platform Offering Strategy at Adyen Jason Downing - SVP Product Management at Epos Now Find out more about Adyen at www.adyen.com--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

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.

Dive into the latest fintech developments as experts unravel why less than 15% of Brits know their pension status. Discover how a coalition is teaming up with the UK government to create standardized corporate digital IDs to combat fraud. Singapore's new police powers to halt suspected scam transactions are also on the agenda. Plus, Zilch celebrates a milestone in profitability ahead of their IPO, and innovative fintech solutions like Landian aim to revolutionize the real estate market. Don't miss out on these exciting transformations!

Rory O'Reilly, Co-founder and CEO of KnotAPI, shares insights on the future of fintech and how APIs can create seamless user experiences that feel invisible. He discusses the importance of automation in reducing cognitive burdens for consumers and the need for security amid growing regulatory pressures. O'Reilly highlights the balance between innovation and compliance, advocating for a user-friendly approach to data management. The conversation also explores the role of partnerships in enhancing financial services integration into daily life.