
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 3, 2023 • 1h 2min
755. News: PSD3 unveils plans to shake up Open Banking
Our expert hosts, Ross Gallagher 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:
PSD3: The European Union unveils new open banking rules - 4:50
Wise sees profits soar amid customer boost and rising interest rates - 22:05
Robinhood acquires credit card startup X1 for $95M - 35:10
UK fintech TreasurySpring raises $29 million to scale its cash investment platform - 44:00
Integrated surveillance demand increases - 51:40
Checkout.com launches AI-powered optimisation engine to increase merchant revenue - 54:45
Cops arrest man for taping photos to a dummy to trick mobile banking facial recognition - 56:48
This week's guests include:
Nilan Peiris, Chief Product Officer, Wise
Sarah Kocianski, Independent Fintech Consultant
With soundclips from:
Jan van Vonno, Head of Industry & Wallets, Tink
Kevin Cook, CEO & Co-Founder, TreasurySpring
Matt Smith, CEO, SteelEye
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: Jan van Vonno, Kevin Cook, Matt Smith, Nilan Peiris , and Sarah Kocianski.Links:
PSD3: The European Union unveils new open banking rules
Wise sees profits soar amid customer boost and rising interest rates
Robinhood acquires credit card startup X1 for $95M
UK fintech TreasurySpring raises $29 million to scale its cash investment platform
Integrated surveillance demand increases
Checkout.com launches AI-powered optimisation engine to increase merchant revenue
Cops arrest man for taping photos to a dummy to trick mobile banking facial recognition
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Jun 30, 2023 • 46min
754. Insights: How do we get to the holy grail of cross border payments?
Our expert hosts, David M. Brear, is joined by some great guests to ask: "“How do we get to the holy grail of cross border payments?”
This week's guests include:
Sara Castelhano, EMEA Payments & Commerce Solutions Product, JP Morgan
William Artingstall, Global Co-Head Cross Border Payments and Receivables, Citi
Cheap, universal, speedy, and secure – is that too much to ask for when moving money internationally?
Moving money across the world is one of the biggest spaces in financial services and just keeps getting bigger. But, there’s still lots of issues and technical challenges still to overcome – even for the biggest players in the market.
We've put together a panel of experts to discuss: the progresss made in cross-border payments to date, where the friction remains, and the next steps towards the holy grail of seamless cross border payments!
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: Sara Castelhano and William Artingstall.
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Jun 26, 2023 • 60min
753. News: Banks are in an AI talent war and Revolut launches the 'Ultra' account
Our expert hosts, Benjamin Ensor and Ross Gallagher, 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:
European banks are putting "AI" in 30% of their job ads - 6:10
Majority, a digital bank for US migrants, grabs $9.75M amid expansion in Texas - 18:40
Revolut to launch Ultra, a new subscription plan - 32:05
UK Mortgage rates: Average two-year fix now above 6% - 41:20
Starling Bank renews sponsorship of Southampton FC women's football team - 49:10
Gen-Z is taking courses on how to send an email and what to wear in the office - 50:30
This week's guests include:
Jonas Lornell, Commercial Director, Majority
Nadia Edwards-Dashti, Chief Customer Officer, Harrington Starr
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: Jonas Lornell and Nadia Edwards-Dashti.Links:
European banks are putting "AI" in 30% of their job ads
Majority, a digital bank for US migrants, grabs $9.75M amid expansion in Texas
Revolut launches Ultra platinum membership plan
UK Mortgage rates: Average two-year fix now above 6%
Starling Bank renews sponsorship of Southampton FC women's football team
Gen-Z is taking courses on how to send an email and what to wear in the office
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Jun 23, 2023 • 52min
752. Insights: How does Big Tech shake up the payments industry?
Our expert hosts, David M. Brear, is joined by some great guests to ask "How does Big Tech shake up the payments industry?"
This week's guests include:
Alexandra Rivas-Gale, International Payments Product Lead, Clearbank
Jim McCarthy, EVP of Product & Sales, Thredd
Jorn Lambert, Chief Digital Officer, Mastercard
It’s often said that, with every new feature launch, Apple can wipe out 100+ startups trying to do the same thing. But actually the relationship between financial services and Big Tech is way more complicated than that!
Between partnerships, acquisitions, back-end processes, and public fallouts - there’s a lot of ways these two industries cross over and influence each other.
In this show, we’ve put together a panel of amazing experts to discuss: how the relationship has developed to date, the challenges in that relationship, and what the future looks like for Big Tech and the payments industry.
This episode is sponsored by Thredd
Global Processing Services (GPS), the payments platform trusted by the leading issuers to process billions of transactions a year, has changed their name to Thredd. Why Thredd? Thredd, because their tailored payment processing solutions are the thread that connects payments innovators of the future. Thredd, because they are true partners, becoming part of the fabric of your business as it grows. And Thredd because it just feels right. Find out more at Thredd.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: Alexandra Rivas-Gale, Jim McCarthy, and Jorn Lambert.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jun 21, 2023 • 30min
751. Focus: Putting grain on the blockchain – with Eduardo Novillo Astrada, CEO of Agrotoken
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, Benjamin Ensor sat down with Eduardo Novillo Astrada, CEO & Co-Founder, Agrotoken to continue exploring the question set out in our previous Focus episode: "How do agriculture and fintech collide in LatAm?”
Join us to hear about Agrotoken's approach to tokenising real-world assets, what this changes for farmers, and the importance of bartering to economy.
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: Eduardo Novillo Astrada and Pamela Ceballos.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jun 19, 2023 • 1h 6min
750. News: Andreessen Horowitz lands in London and HSBC rebrands Silicon Valley Bank UK
Our expert hosts, Ross Gallagher 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:
Andreessen Horowitz to open its first international office in London - 6:00
HSBC builds innovation division from the bones of collapsed SVB UK - 20:28
Citizens Bank and Wisetack announce partnership to expand embedded ‘pay over time’ solutions - 32:42
Nasdaq to buy financial software company Adenza in $10.5 billion cash-and-stock deal - 45:40
Desperate for dollars, Argentina just gave digital nomads another advantage over locals - 53:38
Oaknorth boss: Immigration barriers are threatening the UK’s fintech sector -56:00
Snoop Dogg's NFT tour pass lets fans 'travel the world' with him virtually - 57:45
This week's guests include:
Anna Irrera, Senior Editor, Crypto, Bloomberg News
Bobby Tzekin, CEO, Wisetack
This episode is sponsored by Thredd
Global Processing Services (GPS), the payments platform trusted by the leading issuers to process billions of transactions a year, has changed their name to Thredd. Why Thredd? Thredd, because their tailored payment processing solutions are the thread that connects payments innovators of the future. Thredd, because they are true partners, becoming part of the fabric of your business as it grows. And Thredd because it just feels right. Find out more at Thredd.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: Anna Irrera and Bobby Tzekin.Links:
Andreessen Horowitz to open its first international office in London
HSBC builds innovation division from the bones of collapsed SVB UK
Citizens debuts consumer financing for SMBs with fintech partner
Nasdaq to buy financial software company Adenza in $10.5 billion cash-and-stock deal
Desperate for dollars, Argentina just gave digital nomads another advantage over locals
Oaknorth boss: Immigration barriers are threatening the UK’s fintech sector
Snoop Dogg's NFT tour pass lets fans 'travel the world' with him virtually
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jun 16, 2023 • 33min
749. What is Anne Boden’s legacy in fintech? (rewind)
Our expert host, David M. Brear, is asking: "What is Anne Boden’s legacy in fintech?"
This week's guests include:
Anne Boden, CEO, Starling Bank
The fintech world has been rocked by the news that Starling Bank’s Founder and CEO, Anne Boden, is stepping back nine years after founding the company.
A self-described “5ft tall Welsh woman”, who started a challenger bank in her mid-50s, Boden has been one of the sector’s most passionate and vital voices for the last decade.
To give you a glimpse of that drive and determination, we are opening up the archives and we’re bringing you an interview from April 2020 on the 11:FS Breakfast Show.
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 Guest: Anne Boden.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jun 12, 2023 • 54min
748. News: Money20/20's biggest stories from Fabrick, Griffin, and more!
Our expert host, David M. Brear, is joined by some great guests to talk about the most notable fintech, financial services and banking news from the Money20/20 conference in Amsterdam!
We cover the following stories from the fintech and financial services space:
Open finance fintech Fabrick raises €40m, expands partnership with Mastercard - 6:30
Lucinity unveils generative AI-powered financial crime compliance copilot - 14:55
UK's newest bank Griffin secures £11m in funding round as it plots expansion - 27:15
Dutch fintech Klearly raises €2.1 million and officially launches its payments app in the Netherlands - 40.40
Our panel gives their highlights from Money20/20 - 49:10
This week's guests include:
Jimmy Fong, CCO, SEON
Katrina Beckwith, VP - Sales and Business Development, Episode Six
Paolo Zaccardi, Co-Founder & CEO, Fabrick
WIth soundclips from:
Adam Moulson, CCO, Griffin
Sam Koekoek, CEO And Co-Founder, Klearly
This episode is sponsored by Thredd
Global Processing Services (GPS), the payments platform trusted by the leading issuers to process billions of transactions a year, has changed their name to Thredd. Why Thredd? Thredd, because their tailored payment processing solutions are the thread that connects payments innovators of the future. Thredd, because they are true partners, becoming part of the fabric of your business as it grows. And Thredd because it just feels right. Find out more at Thredd.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: Adam Moulson, Jimmy Fong, Katrina Beckwith, Paolo Zaccardi, and Sam Koekoek.Links:
Open finance fintech Fabrick raises €40m, expands partnership with Mastercard
Lucinity unveils generative AI-powered financial crime compliance copilot
UK's newest bank Griffin secures £11m in funding round as it plots expansion
Dutch fintech Klearly raises €2.1 million and officially launches its payments app in the Netherlands
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jun 9, 2023 • 44min
747. Insights: How do we make back office payments processes sexy?’
Our expert hosts, David M. Brear, are joined by some great guests at Money20/20 to ask: "How do we make back office payments processes sexy?"
This week's guests include:
Ben Morfoot, Director of Product, GoCardless
Abid Mumtaz, Commercial Lead for Wise Platform, Wise
With soundclips from:
David Singleton, CTO, Stripe
We get it – the stuff that gets into consumer’s hands is bound to get the most attention from the wider world.
But, as certified fintech nerds, should we all be doing more to the bang the drum of the back-end of financial services - the oil in the machine that makes the whole thing operate?
In this show, our expert panel discusses: Why do the back-office processes often get overlooked? What are the biggest challenges to shining a light on this niche? Could AI make back-end payments a hot industry topic?
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: Abid Mumtaz, Ben Morfoot, and David Singleton.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jun 7, 2023 • 40min
746. Focus: How does agriculture and fintech collide in LatAm?
Our expert hosts, 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 relationship between agriculture and financial services in Latin America, the historical importance to economies across Latin America, and how this space is developing.
This week's guests include:
Pamela Ceballos, Senior. Director, Digital Partnerships, Fintech & Ventures, Visa
Etienne Gillard, Head of Ventures, Mana Tech
Juan Fantoni, CCO & Co-Founder, Pomelo
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: Etienne Gillard, Juan Fantoni, and Pamela Ceballos.
Learn more about your ad choices. Visit megaphone.fm/adchoices