

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

Jan 11, 2023 • 2min
Bonus: Trailer | Fintech Insider Focus
David M. Brear is here to tell you about Fintech Insider Focus, the latest podcast strand joining your weekly News and Insights shows.
Focus will take all the burning financial services questions from across the globe and put them under the microscope – with explainers, expert panels, and in-depth interviews with decision-makers.
We’re hopping continents and crossing borders to delve into the biggest subjects in the industry.
Whether Open Banking in Africa, or Super Apps in the Middle East, these bi-monthly breakdowns are essential listening wherever you are in the world.
The first episode is dropping January 18th and every other Wednesday from then on!
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!
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jan 9, 2023 • 58min
693. News: Stripe is 2022's MVP as fintechs debate open banking future and cost of living bites
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.
This week's guests include:
Lindsay Davis, Head of Markets, Atomic
Geri Cupi, CEO and Founder, Twig
With soundclips from:
Paul Lloyd, CMO and Co-Founder, Snoop
We cover the following stories from the fintech and financial services space:
Millions of Brits would struggle to cover extra £20 a month as the cost-of-living crisis continues to bite - 4:00
Twig acquires Vybe Technology - 16:20
Fintechs call for clarity over Open Banking reforms - 28:00
Stripe ranked world’s most valuable fintech in 2022 - 37:45
Australian BNPL Humm 'retreating from England' as market worsens - 46:55
Cashless Denmark records a year without bank robberies - 48:05
NatWest CEO receives damehood and FinTech Scotland chair recognised in New Year Honours - 49:45
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: Geri Cupi, Lindsay Davis , and Paul Lloyd.Links:
Millions of Britons would struggle to cover extra £20 a month as the cost of living crisis continues to bite
Twig acquires Vybe technology
Fintechs call for clarity over Open Banking reforms
Who were the most valuable fintech companies in 2022?
Australian BNPL Humm “retreating from England” as market worsens
Cashless Denmark records a year without bank robberies
NatWest CEO receives damehood and FinTech Scotland chair recognised in New Year Honours
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Jan 6, 2023 • 49min
692. Insights: What do we predict for financial services in 2023?
Our expert hosts, David M. Brear, Ross Gallagher and Kate Moody, have come together to ask: "What do we predict for financial services in 2023?”
No matter how big or shiny your crystal ball was, there’s no way anyone predicted the sheer chaotic energy that was financial services in 2022.
So, for the opening Fintech Insider of the year, we’ve put together a panel of Elevens to discuss: how right or wrong we got last year's predictions, what our panel hope to see this year in financial services, and what the wider community see happening in 2023.
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!
Learn more about your ad choices. Visit megaphone.fm/adchoices

Dec 23, 2022 • 48min
691. Insights: SWIFT, Fast, Eat Now Pay Later – the biggest stories in financial services in 2022
Our expert hosts, Benjamin Ensor 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’ve seen some of the biggest tests of financial services in living memory – with global conflicts, economic downturns, and industry layoffs. But…it’s not all been doom and gloom!
So, for the last Fintech Insider of 2022, we’ve put together a panel of experts to discuss: The biggest stories in financial services in 2022, the impact of these stories, and what buzzwords our panel would ban going into 2023.
This week's guests include:
Mary Ann Azevedo, Senior Editor, TechCrunch
Alex Johnson, Creator, Fintech Takes
We cover the following stories from the fintech and financial services space:
The West’s Sanctions sever Russia’s economy from much of the world - 4:05
Fast shuts doors after slow growth - 12:50
Shoppers relying on buy now pay later and microloans for groceries in the UK and US - 25:05
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 and Mary Ann Azevedo.Links:
The West’s Sanctions sever Russia’s economy from much of the world
Fast shuts doors after slow growth
Eat Now, Pay Later: Going Into Debt for Food
Iceland loan scheme to support shoppers receives 50,000 applications in first week
Mexican fintech startup Stori reaches unicorn status
Learn more about your ad choices. Visit megaphone.fm/adchoices

Dec 19, 2022 • 1h 2min
690. News: Sam Bankman-Fried and the dangers of celebrity founders
Our expert hosts, Ross Gallagher, 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:
Janay Eyo, Director of Financial Policy, Chamber of Progress
Sarah Kocianski, Independent Fintech Consultant
Bruno Diniz, Co-Founder, Spiralem
We cover the following stories from the fintech and financial services space:
FTX founder Sam Bankman-Fried charged with defrauding investors - 4:20
Brazil's Nubank announces $330 million equity capitalization in Mexico - 17:15
Inflation peaked — but it's not returning to pre-Covid levels in 2023, Mastercard says - 30:00
Ocho wants to rethink (and rebrand) personal finance for business owners - 40:40
UK banking rules in biggest shake-up in more than 30 years - 50:50
The ‘naughty or nice’ list of financial services - 52:05
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, Janay Eyo, and Sarah Kocianski.Links:
FTX founder Sam Bankman-Fried charged with defrauding investors
Brazil's Nubank announces $330 million equity capitalization in Mexico
Inflation peaked — but it's not returning to pre-Covid levels in 2023, Mastercard says
Ocho wants to rethink (and rebrand) personal finance for business owners
UK banking rules in biggest shake-up in more than 30 years
Learn more about your ad choices. Visit megaphone.fm/adchoices

Dec 16, 2022 • 40min
689. Insights: What would happen to financial services if we put the engineers in charge?
Our expert hosts, David M. Brear, is joined by some great guests to ask: "What would happen to financial services if we put the engineers in charge?"
The whole fintech industry is built on top of complex tech stacks, constructed and maintained by engineers.
Their value to the industry has never been in doubt, but where they sit in the business structure changes from company to company.
We've put together a panel of experts to discuss how the role of engineers has changed in financial services, the challenges they have to contend with, and what the future of financial services would look like if we put the engineers in charge.
This week's guests include:
Nick Stemp, Engineering Director, 11:FS
Johannes Schaback, CTO, SumUp
Simon Vans-Colina, CTO, BigPay
Elizabeth Prendergast, Engineering Team Lead, Yapily
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: Elizabeth Prendergast, Johannes Schaback, Nick Stemp, and Simon Vans-Colina.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Dec 12, 2022 • 57min
688. News: What strings are attached to your current account?
Our expert hosts, Kate Moody 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:
Andrea de Gottardo, CEO, Kroo
Emily Man, Investor, Redpoint Ventures
We cover the following stories from the fintech and financial services space:
Kroo banks on winning new customers with 2% interest - 04:35
Wells Fargo launches new commercial banking platform - 19:10
Robot landlords are buying up houses - 28:30
UK banks told to break 'class ceiling' with new targets to boost diversity among senior hires - 38:00
Fintechs Canada association launches with significant industry backing - 46:00
Thales releases 'Voice Payment Card' for the visually impaired - 48:25
At Art Basel Miami Beach, an ATM announces your account balance - 50:05
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: Andrea de Gottardo and Emily Man.Links:
Kroo banks on winning new customers with 2% interest
Wells Fargo launches new commercial banking platform
Robot landlords are buying up houses
UK banks told to break 'class ceiling' with new targets to boost diversity among senior hires
Fintechs Canada association launches with significant industry backing
Thales releases 'Voice Payment Card' for the visually impaired
At Art Basel Miami Beach, an ATM announces your account balance
Learn more about your ad choices. Visit megaphone.fm/adchoices

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.
Learn more about your ad choices. Visit megaphone.fm/adchoices

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


