
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

Apr 12, 2023 • 41min
726. Focus: Can APAC’s travel sector spur on its financial services?
Our expert host, David M. Brear, is joined by some great guests for this latest edition of Fintech insider Focus!
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, we're looking at how lockdowns impacted the Asia Pacific's travel sector, how fintechs pivoted during that time, and how things look as the region is opening up again.
This week's guests include:
Matthew Wood, Head of Digital and Fintech Partnerships, Asia Pacific, Visa
Caecilia Chu, Co-Founder and CEO, YouTrip
Matt Baxby, Australia and APAC Lead, Revolut
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: Caecilia Chu, Matt Baxby, and Matthew Wood.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Apr 10, 2023 • 51min
725. News: Has Apple missed the Buy Now Pay Later boom?
Our expert host, Ross Gallagher, 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:
Crowdcube and Octopus Investments are opening up retail investments in a new partnership - 5:20
Apple Pay Later is finally launching - 16:35
Investing app Acorns acquires kid-focused fintech GoHenry to expand in Europe - 28:50
The Meltdown of a Gay Bank: What went wrong when an LGBTQ+ start-up set out to disrupt finance - 41:15
Twitter changes logo to Dogecoin cryptocurrency image in apparent late April fool’s day gag - 43:00
This week's guests include:
Jason Mikula, Publisher, Fintech Business Weekly
Jonathan Keeling, Chief Growth Officer, Crowdcube
Polly Jean Harrison, Features Editor, The Fintech Times
With soundclips from:
Louise Hill, Co-founder & Chief Operating Officer, GoHenry
This episode is sponsored by Global Processing Services
At Global Processing Services – the expert partner in issuer processing – they take your security seriously. Their game-changing Fraud Advantage tool, powered by Featurespace, assesses fraud risks in milliseconds and uses AI and machine learning, to constantly adapt to stay ahead of emerging fraud threats. With their array of available fraud solutions at your fingertips, you can feel secure with GPS as your payment processing partner.
Find out more at www.globalprocessing.com/fraudmanagement
This episode is sponsored by Blinkist
The Blinkist app offers distilled audio content from over 5000 non-fiction books and podcasts, to get bitesized insights in just 15 minutes, across 27 different categories. Go to Blinkist.com/fintech to start your 7-day free trial and get 25% off of a Blinkist Premium membership. And now for a limited time you can even use Blinkist Connect to share your premium account with a friend or partner and get 2 premium subscriptions for the price of one. "
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: Jason Mikula, Jonathan Keeling, Louise Hill, and Polly Jean Harrison.Links:
Crowdcube and Octopus Investments are opening up retail investments in a new partnership
Apple Pay Later is finally launching
Investing app Acorns acquires kid-focused fintech GoHenry to expand in Europe
The Meltdown of a Gay Bank: What went wrong when an LGBTQ+ start-up set out to disrupt finance.
Twitter changes logo to Dogecoin cryptocurrency image in apparent late April fool’s day gag
Learn more about your ad choices. Visit megaphone.fm/adchoices

Apr 7, 2023 • 50min
724. Insights: Are SMEs being served globally?
Our expert host, Benjamin Ensor, is joined by some great guests to ask: "Are SMEs being served globally?”
This week's guests include:
Bruno Diniz, Co-Founder, Spiralem
Dani Lima, Executive VP of Infrastructure , Novo
Rob Pearce, Technical Advisor - CEO's Office, OakNorth
Said Murad, Partner, Global Ventures
No matter where you’re tuning in from - at some point, you’re likely to have heard that independent small businesses are the backbone of your economy.
But to date, that backbone of entrepreneurs and small business owners has often lacked the proper support needed from financial services.
According to the World Economic Forum, 67% of small and mid-sized companies globally are fighting for survival.
Our panel of experts discuss: the banking options for SMEs globally, the challenges across markets, and what could the future be in this space.
This episode is sponsored by Blinkist
The Blinkist app offers distilled audio content from over 5000 non-fiction books and podcasts, to get bitesized insights in just 15 minutes, across 27 different categories. Go to Blinkist.com/fintech to start your 7-day free trial and get 25% off of a Blinkist Premium membership. And now for a limited time you can even use Blinkist Connect to share your premium account with a friend or partner and get 2 premium subscriptions for the price of one. "
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: Bruno DIniz, Dani Lima, Rob Pearce, and Said Murad.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Apr 3, 2023 • 48min
723. News: After Dark: Silicon Valley Bank bought by US rival and Klarna embraces ChatGPT
Live on stage at our recent After Dark: London Calling event, in association with GPS.
Our expert hosts, David M. Bear and Kate Moody, 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:
Silicon Valley Bank: Collapsed US lender bought by rival - 5:10
Klarna plugs ChatGPT into its platform for faster product recommendations - 14:20
Latitude Financial customers frustrated after millions of personal records stolen in cyber attack - 28:50
Fintech Higher or Lower - 40:30
This week's guests include:
Charlotte Crosswell, Chair, CFIT
Saira Khan, Head of Innovation & Partnerships, First Direct Bank
This episode is sponsored by Global Processing Services
At Global Processing Services – the expert partner in issuer processing – they take your security seriously. Their game-changing Fraud Advantage tool, powered by Featurespace, assesses fraud risks in milliseconds and uses AI and machine learning, to constantly adapt to stay ahead of emerging fraud threats. With their array of available fraud solutions at your fingertips, you can feel secure with GPS as your payment processing partner.
Find out more at www.globalprocessing.com/fraudmanagement
This episode is sponsored by Blinkist
The Blinkist app offers distilled audio content from over 5000 non-fiction books and podcasts, to get bitesized insights in just 15 minutes, across 27 different categories. Go to Blinkist.com/fintech to start your 7-day free trial and get 25% off of a Blinkist Premium membership. And now for a limited time you can even use Blinkist Connect to share your premium account with a friend or partner and get 2 premium subscriptions for the price of one. "
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: Charlotte Crosswell and Saira Khan.Links:
Silicon Valley Bank: Collapsed US lender bought by rival
Klarna plugs ChatGPT into its platform for faster product recommendations
Latitude Financial customers frustrated after millions of personal records stolen in cyber attack
Learn more about your ad choices. Visit megaphone.fm/adchoices

Mar 31, 2023 • 42min
722. Insights: How do you choose the right investment path for your business?
Our expert host, David M. Brear, is joined by some great guests to ask: "How do you choose the right investment path for your business?"
This week's guests include:
David T Frank, CEO & Founder, Stonehaven LLC
Joshuah Lebacq, Director at NA Ventures, National Bank Of Canada
Ruth Foxe Blader, Partner, Anthemis
Investment has been the rocket fuel in the jetpack of fintech’s success to date.
But it might be time for fintechs to think strategically about where and who signs the cheques which help them to grow.
So, in this show, we’ve put together a panel of amazing experts to discuss how investment looks in 2023, how to choose the right path, and how investors maintain a relationship.
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 T Frank, Joshuah Lebacq, and Ruth Foxe-Blader.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Mar 29, 2023 • 35min
721. Focus: Building financial inclusion for seven generations, with Amber Buker, CEO of Totem
In the newest 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 Amber Buker, CEO of Totem to continue exploring the question set out in our previous Focus episode: “What does effective financial inclusion look like in the USA?”
Join us to find out what the biggest hurdles to financial inclusion in North America overall right now are, what financial _exclusion _looks like and how we can change that, and how to make a real change in banking the unbanked in the US.
All of this, and so much more!
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: Amber Buker and Erin Pursell.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Mar 27, 2023 • 1h 4min
720. News: UBS snaps up Credit Suisse, while Stripe breaks the down round stigma
Our expert hosts, Ross Gallagher and Kate Moody, 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:
UBS is buying Credit Suisse in bid to halt banking crisis - 4:55
FCA warns payment firms over ‘unacceptable risk of harm to customers’ - 17:40
Stripe now valued at $50B following $6.5B raise - 33:10
Final Tech Nation report: What UK tech needs to quadruple in value - 44:00
Fintech startups race to serve LatAm founders left behind by SVB - 52:20
DIGISEQ taps Curve to bring passive wearable payments to Europe - 55:30
JPMorgan Chase thought it had $1.3 million worth of nickel stored in a warehouse. A closer examination revealed bags of stones - 57:00
This week's guests include:
Luke Massie, Founder and CEO, VibePay
Sarah Kocianski , Independent Fintech Consultant
With soundclips from:
Dr. George Windsor, Data and Research Director, Tech Nation
Bernardo Brites, CEO & Co-Founder, Trace Finance
This episode is sponsored by Global Processing Services
At Global Processing Services – the expert partner in issuer processing – they take your security seriously. Their game-changing Fraud Advantage tool, powered by Featurespace, assesses fraud risks in milliseconds and uses AI and machine learning, to constantly adapt to stay ahead of emerging fraud threats. With their array of available fraud solutions at your fingertips, you can feel secure with GPS as your payment processing partner.
Find out more at www.globalprocessing.com/fraudmanagement
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: Bernardo Brites, George Windsor, Luke Massie, and Sarah Kocianski.Links:
UBS is buying Credit Suisse in bid to halt banking crisis
FCA warns payment firms over ‘unacceptable risk of harm to customers’
Stripe now valued at $50B following $6.5B raise
Final Tech Nation report: What UK tech needs to quadruple in value
Fintech startups race to serve LatAm founders left behind by SVB
DIGISEQ taps Curve to bring passive wearable payments to Europe
JPMorgan Chase thought it had $1.3 million worth of nickel stored in a warehouse. A closer examination revealed bags of stones
Learn more about your ad choices. Visit megaphone.fm/adchoices

Mar 24, 2023 • 50min
719. Insights: Is FinOps the key to ride out the economic storm?
Experts debate the importance of FinOps for fintechs during economic hardships, emphasizing the value of cloud-based services. Insights on roles, growth in the financial industry, and the evolving technology infrastructure. Navigating market changes, cost structuring challenges, and the crucial role of FinOps in overcoming economic hurdles for fintech companies.

Mar 20, 2023 • 59min
718. News: The ultimate Silicon Valley Bank explainer
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:
Silicon Valley Bank closed by regulators, FDIC takes control - 4:55
HSBC buys Silicon Valley Bank's UK unit for £1 in rescue deal - 18:30
Under legal threat from GOP lawmakers, Mastercard and Visa pause plan to track gun sales - 31:10
Iwoca introduces open banking-powered instant decisions for SME loans - 41:00
Central Bank of Nigeria publishes open banking guidelines - 50:20
Mexican unicorn Clara bags $90 million in debt financing amid expansion - 51:40
London Stock Exchange calls on Logan Roy to rally the markets - 53:30
This week's guests include:
Alex Johnson, Creator, Fintech Takes
Mike Carter, Head of Platform Lending, Innovate Finance
With soundclips from:
Harry Cranfield, Partner Channel Manager, Iwoca
This episode is sponsored by Global Processing Services
At Global Processing Services – the expert partner in issuer processing – they take your security seriously.
Their game-changing Fraud Advantage tool, powered by Featurespace, assesses fraud risks in milliseconds and uses AI and machine learning, to constantly adapt to stay ahead of emerging fraud threats.
With their array of available fraud solutions at your fingertips, you can feel secure with GPS as your payment processing partner.
Find out more at www.globalprocessing.com/fraudmanagement
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: Alex Johnson, Harry Cranfield, and Mike Carter.Links:
Silicon Valley Bank Closed by Regulators, FDIC Takes Control
HSBC buys Silicon Valley Bank's UK unit for £1 in rescue deal
Under legal threat from GOP lawmakers, Mastercard and Visa pause plan to track gun sales
Iwoca introduces open banking-powered instant decisions for SME loans
Central Bank of Nigeria publishes open banking guidelines
Mexican unicorn Clara bags $90 million in debt financing amid expansion
London Stock Exchange calls on Logan Roy to rally the markets
Learn more about your ad choices. Visit megaphone.fm/adchoices

Mar 17, 2023 • 46min
717. Insights: Why should governments embrace new payment technologies?
Our expert hosts, David M. Brear and Mauricio Magaldi, are joined by some great guests to ask: "Why should governments embrace new payment technologies?”
This week's guests include:
Chris Holmes, Baron Holmes of Richmond
Janay Eyo, Director of Financial Policy, Chamber of Progress
Innovation can often move a lot faster than the bureaucracy - and sometimes that’s a good thing when it comes to risk and regulation.
But with payments technology growing, evolving, and offering solutions to some of the world’s big problems - is it time for governments globally to catch up?
Our amazing panel discuss how governments and payments technology work together, the potential solutions from blockchain, and how the future of payments will shape the future of our biggest economies.
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!
Get your tickets for our next After Dark hereSpecial Guests: Chris Holmes, Janay Eyo, and Mauricio Magaldi.
Learn more about your ad choices. Visit megaphone.fm/adchoices