
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

Dec 9, 2022 • 44min
687. Insights: Is financial services equipped to serve digital nomads?
Our expert host, Kate Moody, is joined by some great guests to ask: "Is financial services equipped to serve digital nomads?"
It’s estimated that there are some 35 million people worldwide who packed in the office and the 9-5 hours in favour of a life of travel and working from across the world armed with a laptop.
While this lifestyle has boomed post-pandemic, financial services is still looking to play catch-up when it comes to wages, taxes, compliance, and payments.
In today's show, our panel are discussing the options for digital nomads today, the biggest hurdles still to overcome, and how financial services aimed at digital nomads evolve going forward.
This week's guests include:
Chris Cerra, Creator, RemoteBase
Devin Kohli, Co-Head, Outward VC
Daumantas Dvilinskas, CEO, TransferGo
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: Chris Cerra, Daumantas Dvilinskas, and Devin Kohli.
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9 snips
Dec 5, 2022 • 60min
686. News: Atom Bank pushes back IPO and Shopify breaks Black Friday records
Our expert hosts, Benjamin Ensor and Nicole Perry, 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:
Owen Thomas, Fintech & VC Journalist
Mark Mullen, CEO, Atom Bank
We cover the following stories from the fintech and financial services space:
Atom Bank raises £30m as it pushes back IPO plans - 3:55
Banking platform for Black and Latino communities Greenwood raises $45m - 18:00
Pipe’s founding team stepping down as hunt for ‘veteran’ CEO begins - 28:50
Finance staff ignoring mandatory office attendance demands, report suggests - 38:50
Shopify merchants notch up Black Friday record with $3.36bn in sales - 48:50
India banking regulator asks Paytm unit to reapply for license - 50:50
What are doubloons? TikTok’s imaginary economy and rules explained - 53:20
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: Mark Mullen and Owen Thomas.Links:
Atom Bank raises £30m as it pushes back IPO plans
Banking platform for Black and Latino communities Greenwood raises $45m
Pipe’s founding team stepping down as hunt for ‘veteran’ CEO begins
Finance staff ignoring mandatory office attendance demands, report suggests
Shopify merchants notch up Black Friday record with $3.36 billion in sales
India Banking Regulator Asks Paytm Unit to Reapply for License
What are doubloons? TikTok’s imaginary economy and rules explained
Learn more about your ad choices. Visit megaphone.fm/adchoices

Dec 2, 2022 • 46min
685. Insights: How should we measure success in fintech?
Our expert host, Benjamin Ensor, is joined by some great guests to ask: 'How should we measure success in fintech?'
There have been blockbuster IPOs, record revenue numbers, and a select few have even become verbs in their own right!
But what should we be celebrating when it comes to fintech? Has the industry got its priorities right?
This week's guests include:
Katie Palenscar, Managing Director & Global Head of Venture Studio, Anthemis
Nik Milanović, Editor, This Week In Fintech
Richard Davies, CEO, Allica Bank
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: Katie Palencsar, Nik Milanović, and Richard Davies.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Nov 28, 2022 • 57min
684. News: Daylight builds for the LGBTQ+ community and the FCA hits back at trading apps
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:
Billie Simmons, Co-Founder & COO, Daylight
Charlie Conchie, Reporter, City AM
With soundclips from:
Charlotte Fereday, Product Director, 11:FS
Roberta Prescott, Brazil Correspondent, Iupana
Charles McManus, CEO, ClearBank
We cover the following stories from the fintech and financial services space:
Daylight raises cash to launch subscription plan for family planning - 5:00
Financial Conduct Authority warns trading firms over dangerous ‘gamification’ - 17:10
Nubank’s swing to profit may signal demise of growth-at-all-costs strategies for digital banks - 29:00
Nirvana Money closes doors just 22 days after launch - 39:00
Sella launches pilot of biometric credit card in Italy - 46:10
ClearBank CEO plots European launch and M&A as profitability is reached - 48:30
Fintech Insider Mailbag - 50:30
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: Billie Simmons, Charles McManus, Charlie Conchie , Charlotte Fereday, and Roberta Prescott.Links:
Daylight raises cash to launch subscription plan for family planning
Financial Conduct Authority warns trading firms over dangerous ‘gamification’
Nubank’s swing to profit may signal demise of growth-at-all-costs strategies for digital banks
Nirvana Money closes doors just 22 Days after launch
Sella launches pilot of biometric credit card in Italy
ClearBank CEO plots European launch and M&A as profitability is reached
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10 snips
Nov 25, 2022 • 41min
683. Insights: How does design help you compete on more than just price?
In this discussion, Will Jones, Executive Creative Director at 11:FS, Clare Gambardella, Chief Customer Officer at Zopa, and Kish Patel, Head of Design at Lightyear, explore how design can set fintech apart beyond just pricing. They dissect the crowded landscape of similar products and the critical role of intuitive design in fostering customer loyalty. Topics include the importance of transparency in building trust and how user-centric design can cater to younger generations' expectations, ultimately highlighting the power of design as a competitive edge.

Nov 23, 2022 • 32min
Bonus: Disrupting the corporate and consumer divide, with Pagaya's Ashok Vaswani
Our expert host, David M. Brear, sits down with Ashok Vaswani to discuss his three decades across senior posiitons at Citigroup and Barclays, as well as his new role as President of Pagaya Technologies.
If you're looking for advice from someone who has seen and done it all – listen to this!
You can also watch the full interview on Youtube here.
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It’s hosted by a rotation of 11:FS experts including David M. Brear, Ross Gallagher, Benjamin Ensor, and Kate Moody - as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
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 Guest: Ashok Vaswani.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Nov 21, 2022 • 1h 5min
682. News: Would you bank with Twitter?
Our expert hosts, Ross Gallagher and Nicole Perry, 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:
Tayga Baltacıoğlu, CEO, Debite
Mo Ghahroudi, Senior Product Lead, Klarna
With soundclips from:
Brad Goodall, CEO, Banked
We cover the following stories from the fintech and financial services space:
Debite launches direct to bank payments for early-stage companies - 3:20
A ‘credible alternative to Google and Amazon’: Klarna brings its price comparison tool to Europe - 16:15
Credit card interest rates hit record high - 29:50
Elon Musk details his plan to turn Twitter into a bank - 40:20
JPMorgan to expand in Greece with new office and payments team - 50:25
Banked secures another $15M in Series A to bring pay-by-bank to the world - 52:00
Crypto exchange FTX files for bankruptcy as CEO exits - 54:00
Top tier of financial services celebrated at inaugural 11:FS Awards - 57:00
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
Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com!Special Guests: Brad Goodall , Mo Ghahroudi, and Tayga Baltacıoğlu.Links:
Debite launches direct to bank payments for early-stage companies
A ‘credible alternative to Google and Amazon’: Klarna brings its price comparison tool to Europe
Credit card interest rates hit record high
Elon Musk details his plan to turn Twitter into a bank
JPMorgan to expand in Greece with new office and payments team
Banked secures another $15M in Series A to bring pay-by-bank to the world
Crypto exchange FTX files for bankruptcy as CEO exits
The top tier of financial services celebrated at inaugural 11:FS Awards
Learn more about your ad choices. Visit megaphone.fm/adchoices

Nov 18, 2022 • 45min
681. Insights: How do changes in government affect innovation in financial services?
Our expert host, Benjamin Ensor, is joined by some great guests to ask: "How do changes in government affect innovation in financial services?"
Governments can accelerate or roll back growth and innovation in financial services as they see fit.
We’ve put together a panel of experts to discuss: what role governments play in financial services, to what extent they are responsible for innovation in the UK, US, and Latin American markets, and what impact could governments have on the future innovation of those markets?
This week's guests include:
Bruno Diniz, Co-Founder, Spiralem
Janine Hirt, CEO, Innovate Finance
Janay Eyo, Director of Financial Policy, Chamber of Progress
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It’s hosted by a rotation of 11:FS experts including David M. Brear, Ross Gallagher, Benjamin Ensor, and Kate Moody - as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
If you enjoyed this episode, don't forget to subscribe and please leave a review
Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com!Special Guests: Bruno DIniz, Janay Eyo, and Janine Hirt.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Nov 14, 2022 • 59min
680. News: Apple and PayPal call a truce – but who wins?
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.
This week's guests include:
Alex Johnson, Creator, Fintech Takes
Sophie Winwood, Principal, Anthemis
With soundclips from:
Kristin Sadler, Head of Impact, Quona Capital
We cover the following stories from the fintech and financial services space:
PayPal, Apple reach truce and will accept each other’s products - 3:20
Stripe cuts 14% of its workforce, CEO says they ‘overhired for the world we’re in’ - 14:45
Quona Capital sinking $332M into startups focused on financial inclusion - 25:15
Santander to block UK transfers to crypto exchanges in 2023 - 36:00
Black-owned fintech company launches free grant search platform - 46:40
Twitter files paperwork to enter payments business - 48:45
11:FS and Griffin join forces to bring the power of embedded finance to UK businesses - 50:20
Glastonbury Festival ticket sales hit by technical issue - 51:20
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: Alex Johnson, Kristin Sadler, and Sophie Winwood.Links:
PayPal, Apple reach truce and will accept each other’s products
Stripe cuts 14% of its workforce, CEO says they ‘overhired for the world we’re in’
Quona Capital sinking $332M into startups focused on financial inclusion
Santander to block UK transfers to crypto exchanges in 2023
Black-owned fintech company launches free grant search platform
Twitter files paperwork to enter payments business
11:FS and Griffin join forces to bring the power of embedded finance to UK businesses
Glastonbury Festival ticket sales hit by technical issue
Learn more about your ad choices. Visit megaphone.fm/adchoices

Nov 11, 2022 • 47min
679. Insights: Is the future of fighting financial crime in people or automation?
In this show in association with LexisNexis Risk Solutions – our expert host, David M. Brear , is joined by some great guests to ask: “Is the future of AML and fighting financial crime about investing in people, or automation?”
With the current climate of economic downturns, global conflict, and international sanctions - fighting financial crime has never been tougher.
But is the answer better equipping humans to spot the signs of financial crime, or creating more sophisticated systems through machine learning? We discuss the current challenges, the role of orchestration, and more!
This week's guests include:
Eddie Vaughan, Sales Director, LexisNexis Risk Solutions
Dan Argent, Head of Financial Crime and MLRO, GB Bank.
Jessica Cath, Head of Financial Crime Project Delivery, FINTRAIL
This episode is sponsored by LexisNexis Risk Solutions
LexisNexis® Risk Solutions harnesses the power of data and advanced analytics to provide insights that help businesses and governmental entities reduce risk and improve decisions to benefit people around the globe.
Leveraging automation and machine learning from the ground up, the LexisNexis® RiskNarrative™ platform, as recognised by Gartner, is a smart, configurable financial crime and fraud lifecycle management solution enabling businesses to seamlessly manage all customer journeys within a simple, no-code integration.
For more infomation, visit risk.lexisnexis.co.uk
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. It’s hosted by a rotation of 11:FS experts including David M. Brear, Ross Gallagher, Benjamin Ensor, and Kate Moody - as well as a range of brilliant guests. We cover the latest global news, bring you interviews from industry experts or take a deep dive into subject matters such as APIs, AI or digital banking.
If you enjoyed this episode, don't forget to subscribe and please leave a review
Follow us on Twitter: @fintechinsiders where you can ask the hosts questions, or email podcasts@11fs.com!Special Guests: Dan Argent, Eddie Vaughan, and Jessica Cath.
Learn more about your ad choices. Visit megaphone.fm/adchoices