
Fintech Insider Podcast by 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
Latest episodes

Jul 31, 2023 • 1h 1min
765. News: FedNow powers up and Dame Alison Rose steps down
Our expert hosts, Kate Moody and Benjamin Ensor, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week.
We cover the following stories from the fintech and financial services space:
Fed launches long-awaited instant payments service, modernising system
NatWest boss Alison Rose resigns over Nigel Farage bank account leak
Italian banking giant Mediobanca backs London with £10.4m investment in startups
Worldcoin: Sam Altman launches eyeball scanning crypto coin
Twitter CEO teases banking and payment plans in memo about X rebrand
McDonald’s opens McNuggets Land in the metaverse, but McWhy?
This week's guests include:
Janay Eyo, Director of Financial Policy, Chamber of Progress
Olly Betts, Fintech Sector Director, Founders Factory
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, Techcrunch, 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 Friday 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 review
Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com!Special Guests: Janay Eyo and Olly Betts.Links:
Fed launches long-awaited instant payments service, modernising system
NatWest boss Alison Rose resigns over Nigel Farage bank account leak
Italian banking giant Mediobanca backs London with £10.4m investment in startups
Worldcoin: Sam Altman launches eyeball scanning crypto coin
Twitter CEO teases banking and payment plans in memo about X rebrand
McDonald’s Opens McNuggets Land in the Metaverse, but McWhy?
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jul 28, 2023 • 47min
764. Insights: Can the UK avoid a mortgage market meltdown?
Our expert host, David M. Brear, is joined by some great guests to ask: "Can the UK avoid a mortgage market meltdown?"
This week's guests include:
Ben Thompson, Deputy CEO, Mortgage Advice Bureau
Jinesh Vohra, CEO, Sprive
Maria Harris, Director, Digital Cat Consultancy
The news from the UK mortgage market is currently more brutal than a Tarantino film!
July saw the two-year fixed mortgage hit its highest rates in 15 years and things are looking extremely difficult for many home-owners looking to renew their deals and facing extremely elevated lending costs.
So we've put together an expert panel to discuss: how we get to this point, what are the potential solutions, and how do the next six months look for nervous homeowners.
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, Techcrunch, 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 Friday 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 review
Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com!Special Guests: Ben Thompson, Jinesh Vohra, and Maria Harris.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jul 24, 2023 • 1h 2min
763. News: Buy Now Pay Later regulation shelved while Coutts faces Farage account fallout
Our expert hosts, Ross Gallagher and Nas Ahmad, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week.
We cover the following stories from the fintech and financial services space:
Treasury poised to shelve crackdown on 'buy now pay later' sector
Thunes pockets $72M at a $900M+ valuation
Nigel Farage claims to have proof that bank closed his account over his ‘values’
Sylvera banks $57M to put carbon offsetting on a path to Net Zero
Rapper teaches you how to commit wire fraud on viral hit
This week's guests include:
Malini Kannan, COO, Thunes
Sophie Winwood, Principal, Anthemis
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, Techcrunch, 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 Friday 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 review
Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com!Special Guests: Malini Kannan and Sophie Winwood.Links:
Treasury poised to shelve crackdown on 'buy now pay later' sector
Thunes pockets $72M at a $900M+ valuation
Nigel Farage claims to have proof that bank closed his account over his ‘values’
Sylvera banks $57M to put carbon offsetting on a path to Net Zero
Rapper teaches you how to commit wire fraud on viral hit
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jul 21, 2023 • 37min
762. Insights: Silicon Valley Bank, ChatGPT, and down rounds – lessons learned from financial services in 2023 so far
Guests Ewan Silver, Danny Brewster, and Mike Carter discuss the lessons learned from financial services in 2023 so far. Topics include bank runs, dealing with economic downturn, and the banning of AI in banks. They also explore the launch of a new business current account, opportunities arising from fintech layoffs, and the risks of using generative AI in banks. The speakers reflect on the resilient nature of people and the importance of cash flow in building a sustainable business.

Jul 19, 2023 • 31min
761. Focus: How US market turmoil can build more resilient founders – with Adams Conrad, Principal at QED Investors
In the latest strand of Fintech Insider, in association with Visa, we’re taking a burning question from financial services across the globe - and really putting it under the microscope with explainers, expert panels, and in-depth interviews all to bring the global community into focus.
In this episode, David Barton-Grimley sat down with Adams Conrad, Principal, QED Investors to delve into the challenges for venture capitalists in the current market, as well as the incredible stress test the industry is under.
Join us to hear about QED's approach to finding businesses to invest in, and the what is currently most attractive in the US fintech market.
This episode is sponsored by Visa
Visa’s Fintech Fast Track program is streamlining the onboarding process for fintechs – enabling them to gain access to Visa’s powerful capabilities and network. Visa and their enablement partners help fintechs launch and scale cards, virtual credentials, and disbursement programs. To learn more visit, partner.visa.com
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It’s hosted by a rotation of 11:FS experts including David M. Brear, Ross Gallagher, Benjamin Ensor, and Kate Moody - as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
If you enjoyed this episode, don't forget to subscribe and please leave a review
Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com!Special Guests: Adams Conrad and David Rolf.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jul 17, 2023 • 55min
760. News: Public.com lands in the UK and Solaris raises €38 million
Our expert host, Kate Moody, is joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week.
We cover the following stories from the fintech and financial services space:
Public launches in the United Kingdom - 4:09
Embedded finance platform Solaris closes €38 million funding round to ‘strengthen governance and compliance’ - 14:50
Revolut’s US payment flaws allowed thieves to steal $20mn - 27:55
Martin Lewis felt 'sick' seeing deepfake scam ad on Facebook - 40:10
Jeremy Hunt unveils pension fund reform plan to help UK startups - 49:30
The co-founder of investment app Nutmeg, Nick Hungerford, has died at the age of 43 - 51:30
This week's guests include:
Leif Abraham, Co-Founder, Public
Konstantin Kavvadias, Chief Investment Officer, Solaris
Sean Forward, UK CEO, Payabl
More details on Elizabeth's Smile, Nick Hungerford's charity, can be found here
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It’s hosted by a rotation of 11:FS experts including David M. Brear, Ross Gallagher, Benjamin Ensor, and Kate Moody - as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com!Special Guests: Konstantin Kavvadias, Leif Abraham, and Sean Forward.Links:
Public: US Trading App Begins European Expansion in the UK
Embedded finance platform Solaris closes €38 million funding round to ‘strengthen governance and compliance’
Revolut’s US payment flaws allowed thieves to steal $20mn
Martin Lewis felt 'sick' seeing deepfake scam ad on Facebook
Jeremy Hunt unveils pension fund reform plan to help UK startups
The co-founder of investment app Nutmeg, Nick Hungerford, has died at the age of 43
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jul 14, 2023 • 52min
759. Insights: Will PSD3 really live up to the expectations? (Rewind)
Our expert hosts, David M. Brear, is joined by some great guests to ask: "Will PSD3 really live up to the expectations?"
This week's guests include:
Dan Morgan, Policy Lead - Europe, Plaid
Nilixa Devlukia, Founder, Payments Solved
Thibault de Barsy, Vice-Chairman & General Manager, The Payments Association EU
The Open Banking sector is currently abuzz – following the unveiling of proposals for Payment Service Directive 3 by the European Commission.
For fintechs, banks, financial services players, and even non-financial services players – these proposals are a huge deal which could shape the next decade in our industry.
So, to mark the unveiling, we’re bringing you an episode from July 2022– with some serious heavyweights of the Open Banking sector rating the success of PSD2 and looking at what the industry is hoping for going forward.
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It’s hosted by a rotation of 11:FS experts including David M. Brear, Ross Gallagher, Benjamin Ensor, and Kate Moody - as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
If you enjoyed this episode, don't forget to subscribe and please leave a review
Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com!Special Guests: Dan Morgan, Nilixa Devlukia, and Thibault de Barsy.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jul 10, 2023 • 56min
758. Is Goldman Sachs breaking up with Apple?
Our expert hosts, Kate Moody and David Barton-Grimley, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week.
We cover the following stories from the fintech and financial services space:
Goldman is looking for a way out of its partnership with Apple - 4:35
Visa $1 billion buyout of Brazil's Pismo eases fintech M&A slowdown - 14:35
UK banks warned against closing accounts - 26:35
Open Banking education a must in Canada as only 9% have heard of it - 36:50
Taylor Swift fans caused 45% surge in UOB card applications across Southeast Asia - 47:50
Office plant potted 14 years ago is now a 600ft monster that covers ceiling and walls - 50:00
This week's guests include:
Bruno Diniz, Managing Director, Spiralem
Jason Mikula, Publisher, Fintech Business Weekly
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It’s hosted by a rotation of 11:FS experts including David M. Brear, Ross Gallagher, Benjamin Ensor, and Kate Moody - as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
If you enjoyed this episode, don't forget to subscribe and please leave a review
Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com!Special Guests: Bruno DIniz and Jason Mikula.Links:
Goldman is looking for a way out of its partnership with Apple
Visa $1 billion buyout of Brazil's Pismo eases fintech M&A slowdown
UK banks warned against closing accounts
Open Banking education a must in Canada as only 9% have heard of it
Taylor Swift fans caused 45% surge in UOB card applications across Southeast Asia
Office plant potted 14 years ago is now a 600ft monster that covers ceiling and walls
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jul 7, 2023 • 42min
757. Insights: Can financial services change how people think about money?
In this episode, the guests discuss the complexities of money management and the role of financial services in improving the user experience. They explore the challenges and opportunities in shaping consumer behavior and highlight the importance of intuitive financial services for the mass market. Furthermore, they touch upon the transformational power of technology in changing people's perspectives on money.

Jul 5, 2023 • 41min
756. Focus: What are US VCs looking for in today’s market?
Our expert host, David M. Brear, is joined by some great guests for this latest edition of Fintech insider Focus!
In this episode, we're looking at the turmoil in the VC space, what has changed in 2023, and what the next half of the year might look like for investment in fintech.
This week's guests include:
David Rolf, Head, Visa Ventures
Sasha Pilch, Principal, Fin Capital
Vivek Krishnamurthy, Principal, Commerce Ventures
In the latest strand of Fintech Insider, in association with Visa, we taking a burning question from financial services across the globe and put it under the microscope with explainers, expert panels, and in-depth interviews – all to bring the global community into focus.
This episode is sponsored by Visa
Visa’s Fintech Fast Track program is streamlining the onboarding process for fintechs – enabling them to gain access to Visa’s powerful capabilities and network. Visa and their enablement partners help fintechs launch and scale cards, virtual credentials, and disbursement programs. To learn more visit, partner.visa.com.
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It’s hosted by a rotation of 11:FS experts including David M. Brear, Ross Gallagher, Benjamin Ensor, and Kate Moody - as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
If you enjoyed this episode, don't forget to subscribe and please leave a review
Send us your questions for the Fintech Insider Mailbag here
Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com!Special Guests: David Rolf, Sasha Pilch, and Vivek Krishnamurthy.
Learn more about your ad choices. Visit megaphone.fm/adchoices