
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

Feb 15, 2023 • 45min
706. Focus: What's stopping Super Apps from succeeding outside Asia?
Our expert host, David M. Brear, is joined by some great guests for this latest edition of Fintech insider Focus!
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, we set the scene on Super Apps so far, the possibilities on offer, and the challenges of creating a 'true' Super App outside of Asia.
This week's guests include:
Alex McCrea, Head of CEMEA Fintech Partnerships, VIsa
Madiha Sattar, VP, Careem Pay
Waleed Sadek, Founder and CEO, PaySky
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: Alex McCrea, Madiha Sattar, and Waleed Sadek.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Feb 13, 2023 • 57min
705. News: Monzo has their U2 moment and Africa's newest fintech unicorn crowned
Our expert host, Benjamin Ensor, is joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week.
This week's guests include:
Ahmed Mohsen, Chief Technology Officer, MNT-Halan
Christer Holloman, Founder, Divido
Kate Drew, Director of Research, CCG Catalyst
With soundclips from:
Clare Gambardella, Chief Customer Officer, Zopa
We cover the following stories from the fintech and financial services space:
Monzo automatically opts in customers for Plus feature trial - 4:45
Egypt's MNT-Halan is Africa's newest unicorn - 16:00
75% of LGBTQ+ startup founders hide their identity from investors, UK survey finds - 28:05
BNPL Openpay goes under as creditors chase debts - 37:55
Zopa secures £75m to kick off 2023 M&A - 47:50
HSBC staff get a uniform of jumpsuits and jeans - 50:30
This episode is sponsored by ComplyAdvantage
ComplyAdvantage’s 2023 State of Financial Crime report is built on a global survey of 800 senior compliance professionals. It’s a clear-eyed look at how the financial services industry is preparing for the year ahead.
Download your free copy today to explore trends including environmental crime, crowdfunding, sanctions on Russia, and much more: https://hubs.ly/Q01zd6TT0
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: Ahmed Mohsen, Christer Holloman, Clare Gambardella, and Kate Drew.Links:
Egypt's MNT-Halan is Africa's newest unicorn
75% of LGBTQ+ startup founders hide their identity from investors, UK survey finds
BNPL Openpay goes under as creditors chase debts
Zopa secures £75m to kick off 2023 M&A
HSBC staff get a uniform of jumpsuits and jeans
Learn more about your ad choices. Visit megaphone.fm/adchoices

Feb 10, 2023 • 43min
704. Insights: How will financial crime evolve in 2023?
Our expert host, Kate Moody, is joined by some great guests to ask: "how will financial crime evolve in 2023?"
We can’t predict the crimes of the future - but experts do incredible work to keep on top of growing practices in financial crime and money laundering in the hope of keeping businesses, finances, and people safe.
In today's episode, in association with ComplyAdvantage, we're looking at how 2023’s economic landscape impact financial crime, what emerging trends is the industry seeing, and what innovations are helping AML, compliance, and financial crime players keep up with the challenges.
This week's guests include:
Iain Armstrong, Regulatory Affairs Practice Lead, ComplyAdvantage
Jessica Cath, Head of Financial Crime Project Delivery, Fintrail
This episode is sponsored by ComplyAdvantage
ComplyAdvantage’s 2023 State of Financial Crime report is built on a global survey of 800 senior compliance professionals. It’s a clear-eyed look at how the financial services industry is preparing for the year ahead.
Download your free copy today to explore trends including environmental crime, crowdfunding, sanctions on Russia, and much more: https://hubs.ly/Q01zd6TT0
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: Iain Armstrong and Jessica Cath.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Feb 6, 2023 • 1h 4min
703. News: UK Government pulls plug on Tech Nation while Stripe sets deadline for IPO
Our expert hosts, Ross Gallagher and Kate Moody, is joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week.
This week's guests include:
Tom Renwick, Head of Business Lending, Atom Bank
Douglas Mackenzie, Chief Content Officer, Fintech Finance
With soundclips from:
Gerard Grech, CEO, Tech Nation
Gabby MacSweeney, Head of Communications & Public Policy, Codat
We cover the following stories from the fintech and financial services space:
Tech Nation shutting down as UK government controversially pulls key funding - 4:25
Oaknorth and Atom Bank call on Grant Shapps to boost lending to small businesses - 16:50
Stripe tells employees it will decide on an IPO within the next year - 31:25
Republicans vow to probe US banks and asset managers’ ‘ESG agenda’ in Congress - 41:10
Monzo revenues surge more than twofold, putting it on track for 2023 profitability - 52:00
Ashley's Frasers Group set to roll out buy-now pay-later product - 53:50
Michigan boy, 6, spends $1k on Grubhub: ‘Doorbell just kept ringing, cars kept coming’ - 55:10
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: Douglas Mackenzie, Gabby MacSweeney, Gerard Grech, and Tom Renwick.Links:
Tech Nation shutting down as UK government controversially pulls key funding
Oaknorth and Atom Bank call on Grant Shapps to boost lending to small businesses
Stripe tells employees it will decide on an IPO within the next year
Republicans vow to probe US banks and asset managers’ ‘ESG agenda’ in Congress
Monzo revenues surge more than twofold, putting it on track for 2023 profitability
Ashley's Frasers Group set to roll out buy-now pay-later product
Michigan boy, 6, spends $1k on Grubhub: ‘Doorbell just kept ringing, cars kept coming’
Learn more about your ad choices. Visit megaphone.fm/adchoices

Feb 3, 2023 • 45min
702. Insights: Why parents need better financial services
Our expert host, Kate Moody, is joined by some great guests to ask: 'Do parents need better financial services?'
Growing families have previously been considered as baked into the fabric of joint accounts and wealth management - but there’s actually a lot of gaps in which new players are looking to address the needs of new parents directly.
Like the children themselves, this industry is very much still in its infancy.
So, in this show, we’ve put together a panel of experts to discuss what the market looks like today for new parents, what the biggest challenges are stopping this niche from becoming bigger, and what we hope to see in the future.
This week's guests include:
Sara Mauskopf, CEO & Co-Founder, Winnie
Jacklyn Rome, Founder & CEO, Onward
Youssef Darwich, Co-Founder, Nosso
This episode is sponsored by Amplitude
In today's volatile market, financial services companies that want to thrive must prioritize customer loyalty and engagement. Amplitude, the number one self-service digital analytics platform, helps teams identify key drivers of retention and opportunities for improvement. With Amplitude's insights, you can build your product to increase transactions, retain customers, and grow loyalty. To succeed in today's market, visit Amplitude.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: Jacklyn Rome, Sara Mauskopf, and Youssef Darwich.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Feb 1, 2023 • 30min
701. Focus: The power of Open Finance lies in open data, with Samantha Seaton, CEO of Moneyhub
Our expert host, David Barton-Grimley, Global Strategy Director - Embedded Financial Services here at 11:FS, is joined by a fantastic guest to continue the deep-dive into the question posed by David M. Brear and Visa's Dan Roesbery in the inaugural episode of this new Fintech Insider strand: "Can Open Finance ever be truly global?"
In this second instalment of Fintech Insider Focus (catch up on the first episode here), 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 continue our journey with Samantha Seaton, CEO of Moneyhub, to explore what Open Finance allows companies to do now that wasn’t possible before, the power of open data, how can open data and finance impact people’s lives, and Moneyhub's future plans when it comes to operating globally. 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: Dan Roesbery and Samantha Seaton.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jan 30, 2023 • 57min
700. News: America's big banks team up to take on PayPal
Our expert hosts, Benjamin Ensor and Amy Gavin, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week.
This week's guests include:
Collin Galster, VP - International, Nova Credit/Non-Executive Director, Nova Credit UK
Umer Suleman, Global Head of Risk, Wahed Invest
With soundclips from:
Mauricio Magaldi, Global Strategy Director of Crypto, 11:FS
We cover the following stories from the fintech and financial services space:
Nova Credit becomes UK’s first cross-border credit reference provider - 5.25
Aramco-backed fintech opens bank branch in London to help Muslims invest - 17.20
US banks plan payment wallet to compete with PayPal, Apple Pay - 28:45
Brazil and Argentina to discuss common currency - 40:55
Keyzy raises £3m to help first-time buyers get a leg up on the property ladder- 48:40
India's PhonePe tops $12bn valuation in new funding - 50:25
Fintech Insider mailbag - 52:00
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: Collin Galster, Mauricio Magaldi, and Umer Suleman.Links:
Nova Credit becomes UK’s first cross-border credit reference provider
Aramco-backed fintech opens bank branch in London to help Muslims invest
US banks plan payment wallet to compete with PayPal, Apple Pay
Brazil and Argentina to discuss common currency
Keyzy raises £3 million to help first-time buyers get a leg up on the property ladder
India's PhonePe tops $12 billion valuation in new funding
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jan 27, 2023 • 44min
699. Insights: What will define the user experience in financial services this year?
Our expert host, Kate Moody, is joined by some great guests to ask: "What will define the user experience in financial services this year?"
No matter how amazing your financial services product may be, if the UX isn’t up to scratch, then no one is going to find out.
But there’s no set-in-stone rules for these journeys and experiences, and there’s many external factors which may shape a product from one year to the next.
So what were the successes of 2022, what were the challenges of the last twelve months, and what do we predict will dominate user experiences in 2023?
This week's guests include:
Lindsey Kistler, Product Director - Pulse, 11:FS
Jasper Martens, CMO, PensionBee
Kristen Anderson, Founder and CEO, Catch
This episode is sponsored by Amplitude
In today's volatile market, financial services companies that want to thrive must prioritize customer loyalty and engagement. Amplitude, the number one self-service digital analytics platform, helps teams identify key drivers of retention and opportunities for improvement. With Amplitude's insights, you can build your product to increase transactions, retain customers, and grow loyalty. To succeed in today's market, visit Amplitude.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: Jasper Martens and Kristen Anderson.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jan 23, 2023 • 60min
698. News: How Apple Card cost Goldman Sachs billions
Our expert hosts, Ross Gallagher 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.
This week's guests include:
Irina Chuchkina, Chief Marketing Officer, Thunes
Natasha Jones, Early-Stage Investor, Octopus Ventures
We cover the following stories from the fintech and financial services space:
Apple Card has cost Goldman Sachs over $1bn in losses - 5:00
Cashed-up banks ready to buy UK fintech firms on the cheap in 2023, says VC chief - 18:20
Women pass 40% mark on European financial services boards but hurdles remain - 31:15
US tech firms are replacing workers with cheaper talent in Latin America - 42:00
Revolut is assembling a new team to address its workplace culture - 50:10
Amazon to widely launch 'Buy with Prime', says offering improved merchant sales - 51:50
Keep cake away from office, suggests food watchdog head - 54:25
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 Barton-Grimley, Irina Chuchkina, and Natasha Jones.Links:
Apple Card has cost Goldman Sachs over $1 billion in losses
Cashed-up banks ready to buy UK fintech firms on the cheap in 2023, says VC chief
Women pass 40% mark on European financial services boards but hurdles remain
U.S. tech firms are replacing workers with cheaper talent in Latin America
Revolut is assembling a new team to address its workplace culture
Amazon to widely launch 'Buy with Prime', says offering improved merchant sales
Keep cake away from office, suggests food watchdog head
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jan 20, 2023 • 41min
697. Insights: Will social media banks ever take off?
Our expert host, Nicole Perry, is joined by some great guests to discuss the potential of social media networks becoming banks.
At the end of 2022, Elon Musk held a meeting with Twitter employees laying out plans to turn the social network into a bank - complete with a high-yield money market account, debit cards, checks, and loans.
Musk is not the first social media mogul to see the power of combining banking and social networks – but, to date, that melding of likes and filters with APIs and KYC has proved difficult in many markets.
So how have these two worlds collided so far, what is stopping social media banks from happening, and what could happen in the future?
This week's guests include:
Ross Gallagher, Manager, 11:FS
Jason Mikula, Publisher, Fintech Business Weekly
Nik Milanović, Editor, This Week in Fintech
This episode is sponsored by Amplitude
In today's volatile market, financial services companies that want to thrive must prioritize customer loyalty and engagement. Amplitude, the number one self-service digital analytics platform, helps teams identify key drivers of retention and opportunities for improvement. With Amplitude's insights, you can build your product to increase transactions, retain customers, and grow loyalty. To succeed in today's market, visit Amplitude.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: Jason Mikula and Nik Milanović.
Learn more about your ad choices. Visit megaphone.fm/adchoices