

Fintech Insider Podcast by 11:FS
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
Episodes
Mentioned books

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.
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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

Jun 5, 2023 • 1h 2min
745. News: QED's new $925 million fintech war chest & Klarna fights to return to profit
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:
QED closes on $925M to back fintech startups globally - 5:10
UK banks shortchanging savers with ‘measly’ rates, says Which? - 17:10
Klarna's losses halve as Swedish fintech predicts return to profit - 30:00
Plenty’s new wealth-building app targets couples blending finances - 39:45
Property fintech LendInvest sells £243m buy-to-let mortgage portfolio following financing deals - 49:50
HSBC opts for Innovation in rebranding of Silicon Valley Bank UK - 51:30
Amazon ditches Alexa’s celebrity voices and will issue refunds upon request - 53:30
This week's guests include:
Jason Mikula, Publisher, Fintech Business Weekly
Mike Carter, Head of Platform Lending, Innovate Finance
With soundclips from:
Emily Luk, CEO, Plenty
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: Emily Luk, Jason Mikula, and Mike Carter.Links:
QED closes on $925M to back fintech startups globally
UK banks shortchanging savers with ‘measly’ rates, says Which?
Klarna's losses halve as Swedish fintech predicts return to profit
Plenty’s new wealth-building app targets couples blending finances
Property fintech LendInvest sells £243m buy-to-let mortgage portfolio following financing deals
HSBC opts for Innovation in rebranding of Silicon Valley Bank UK
Amazon ditches Alexa’s celebrity voices and will issue refunds upon request
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jun 2, 2023 • 47min
744. Insights: How NOT to build a bank - Part II
Our expert host, Ross Gallagher, is joined by some great guests to discuss how not to launch a bank!
This week's guests include:
David M. Brear, Group CEO, 11:FS
Ewan Silver, Group CTO, 11:FS
Kate Moody, Customer Strategy Director, 11:FS
Nas Ahmad, General Counsel, 11:FS
At 11:FS, we’ve launched products in different markets, continents, and economic conditions across the globe. But, we often see many of the same challenges popping up again and again.
So, we’re giving our experts the Tony Soprano treatment and inviting them to the podcasting therapy couch - to share the biggest hurdles to overcome when launching a product into the world.
This is the second part of a two-episode discussion. Last time we focussed on spinning up a product - this time, we’re looking at that all-important launch!
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: Ewan Silver and Nas Ahmad.
Learn more about your ad choices. Visit megaphone.fm/adchoices

May 29, 2023 • 1h 4min
743. News: Revolut's banking licence in jeopardy and Anne Boden departs Starling Bank
Our expert hosts, Kate Moody 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:
Bank of England plans to reject Revolut's bid for banking licence - 5:00
Brite Payments launches instant payments network - 17:20
Daylight, the LGBTQ+ neobank, calls it quits - 30:40
Fifth Third acquires Rize Money - 39:50
Jia, a blockchain-based lender of small businesses in emerging markets, raises $4.3 million seed - 50:30
Starling Bank chief Anne Boden to step down amid record profit - 53:40
Amazon's palm-scanning tech now lets you buy beer at a baseball game - 56:00
This week's guests include:
Lena Hackelöer, CEO, Brite Payments
Tom Bianco, Senior Vice President and General Manager of Embedded Payments, Fifth Third Bank
With soundclips from:
Anne Boden, CEO, Starling Bank
Zach Marks, Co-Founder, Jia
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: Anne Boden, Lena Hackelöer, Tom Bianco, and Zach Marks.Links:
Bank of England plans to reject Revolut's bid for banking licence
Brite Payments launches instant payments network
Daylight, the LGBTQ+ neobank, calls it quits
Fifth Third acquires Rize Money
Jia, a blockchain-based lender of small businesses in emerging markets, raises $4.3 million seed
Starling Bank chief Anne Boden to step down amid record profit
Amazon's palm-scanning tech now lets you buy beer at a baseball game
Learn more about your ad choices. Visit megaphone.fm/adchoices


