

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

Aug 19, 2022 • 47min
655. Insights: What does good crypto design look like?
Our expert host, David M. Brear , is joined by some great guests to ask: 'What does good crypto design look like?'
It was recently announced that BlackRock, the world’s largest investment management company, is now offering clients direct access to crypto – starting with Bitcoin.
If anything demonstrates crypto’s move from the fringes to the mainstream, it’s the backing of one of the industy’s biggest players – but this also raises questions of how you present a decentralised product to a more mainstream audience.
Our panel runs through 'have crypto’s design issues held it back?', 'how do you present crypto products in a TradFi setting?' and 'what does the future look like?'
This week's guests include:
Chris Maddern, Co-Founder & CEO, Floor NFTs
Maya Caddle, Manager, Strategic Projects and Investments, Nestcoin
Rhian Lewis, Author, The Cryptocurrency Revolution
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, Simon Taylor, Jason Bates and Gwera Kiwana, 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: Chris Maddern, Maya Caddle, and Rhian Lewis .
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Aug 15, 2022 • 60min
654. News: Earned wage access – friend or foe?
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:
Katie Llanos-Small, Founder & Editor, Iupana
Brian Byrnes, Head of Personal Finance, Moneybox
We cover the following stories from the fintech and financial services space:
Cost of living: People turning back to cash as prices rise - 4:28
Argentinian fintech start-up Geopagos raises $35m funding round - 17:35
ZayZoon charges employees $5 to get paid sooner - 28:38
SoftBank CEO ‘ashamed’ of pride in past profits as record losses prompt cost cut - 38:55
The Bank of London to boost US presence with tech hub in North Carolina - 48:08
Central Bank of Kenya doubles down on its position on Flutterwave and Chipper Cash, orders banks to close fintechs’ accounts - 49:50
Domino’s Pizza says arrivederci, flees Italy after failing to win over local customers - 52:20
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, Simon Taylor, Jason Bates and Gwera Kiwana, 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: Brian Byrnes and Katie Llanos-Small.Links:
Cost of living: People turning back to cash as prices rise
Argentinian fintech startup Geopagos raises $35M funding round
ZayZoon charges employees $5 to get paid sooner
SoftBank CEO ‘ashamed’ of pride in past profits as record losses prompt cost cut
The Bank of London to boost US presence with tech hub in North Carolina
Central Bank of Kenya doubles down on its position on Flutterwave and Chipper Cash, orders banks to close fintechs’ accounts
Domino’s Pizza says arrivederci, flees Italy after failing to win over local customers
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Aug 12, 2022 • 42min
653. Insights: Making financial services accessible for people with disabilities
Our expert hosts, Ross Gallagher, is joined by some great guests to ask: how do you design financial services for people with disabilities?
The fintech boom of the past decade has made financial services more democratic and has improved access for many different groups across the globe.
But for people living with disabilities - or PwDs – the wait goes on for truly inclusive services.
In this podcast we look at: What have been the issues to access historically? What do the current solutions look like? And how do we make financial services truly inclusive in the future?
This week's guests include:
Ali MacManus, Lead Designer, 11:FS Ventures
Jayne Sibley, Founder, Sibstar
John Ciocca, Founder & CEO, Purple
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, Simon Taylor, Jason Bates and Gwera Kiwana, 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: Ali MacManus, Jayne Sibley, and John Ciocca.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Aug 10, 2022 • 25min
Bonus. Eco's Andy Bromberg on copying in fintech
Our expert host, David M. Brear, is joined by Andy Bromberg, CEO of Eco, to talk about one of the biggest stories on 'Fintech Twitter'.
A few months ago - Pebble caught the attention of many in the fintech world. This included Andy Bromberg, who felt he saw Eco’s very own materials and business model reflected back at him.
After more digging, he took to Twitter to declare that Pebble engaged in “copy-and-pasting, immaturity, lying, and espionage.”
Join us for a deep dive into the line between copying, imitation, and competitor research, and what the future holds for Eco!
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, Simon Taylor, Jason Bates and Gwera Kiwana, 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: Andy Bromberg.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Aug 8, 2022 • 1h 1min
652. News: Will JPMorgan Chase transform the travel industry?
Our expert hosts, Kate Moody and Nicole, 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:
Jason Mikula, Publisher, Fintech Business Weekly
Ariba Shahid, Contributor, DealStreetAsia
With soundclips from:
Douglas Soltys, Editor, Betakit
We cover the following stories from the fintech and financial services space:
Sequoia backs fintech Dbank in maiden Pakistan investment - 3:50
LendUp enters liquidation - 14:40
JPMorgan Is building a giant travel agency - 27:30
Portage Ventures rolls out new late-stage fintech fund - 38:30
Virgin Money launching buy now, pay later products despite criticism - 49:16
US-based fintech Umba buys majority stake in Kenya’s Daraja microfinance bank - 51:45
Get up to $500 for your bad pandemic impulse buys at this pop-up store - 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, Simon Taylor, Jason Bates and Gwera Kiwana, 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: Ariba Shahid, Douglas Soltys, and Jason Mikula.Links:
Sequoia backs fintech Dbank in maiden Pakistan investment
What Happens When A Neobank Goes Bankrupt?
JPMorgan Is building a giant travel agency
Portage Ventures rolls out new late-stage fintech fund
Virgin Money launching buy now, pay later products despite criticism
US-based fintech Umba buys majority stake in Kenya’s Daraja microfinance bank
Get up to $500 for your bad pandemic impulse buys at this pop-up store
Learn more about your ad choices. Visit megaphone.fm/adchoices

Aug 5, 2022 • 51min
651. Insights: How will PSD3 shape the future of Open Banking?
Our expert host, David M. Brear, is joined by some great guests to ask 'how will PSD3 shape the future of Open Banking?'
Payment Services Directive 2 was the starting pistol for innovation across financial services and the Open Banking space.
The European directive had truly global repercussions, igniting huge interest from investors, and leading to billion dollar valuations for companies on both sides of the Atlantic.
Our panel of experts are asking, how well has PSD2 gone? What comes next with PSD3? And what the global impact could be?
This week's guests include:
Nilixa Devlukia, Founder, Payments Solved
Thibault de Barsy, Vice-Chairman & General Manager, The Payments Association EU
Dan Morgan, Policy Lead - Europe, Plaid
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, Simon Taylor, Jason Bates and Gwera Kiwana, 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 Morgan, Nilixa Devlukia, and Thibault de Barsy.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Aug 1, 2022 • 1h 6min
650. News: Peter Thiel backs European investment app Shares
Our expert hosts, David M. Brear 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:
Benjamin Chemla, CEO & Co-founder, Shares
Dan Morgan, Policy Lead - Europe, Plaid
Kristy Kim, Co-founder & CEO, TomoCredit
With soundclips from:
Brian Simons, President, Maxwell
We cover the following stories from the fintech and financial services space:
Peter Thiel’s fund leads $40m round in Shares app - 6:50
Plaid jumps to ludicrous speed with new variable recurring payments product - 16:00
TomoCredit raises $22m at a $222m valuation toward its goal of making credit scores ‘obsolete’ - 31:30
Mortgage fintech Maxwell introduces Spanish loan application - 42:40
French business bank unicorn Qonto buys German competitor Penta - 51:20
Top US regulator fires warning shot after Apple's push into lending - 53:00
Fintech Insider mailbag - 54:40
Want to submit a question for our monthly mailbag? Do it 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, Jason Bates and Gwera Kiwana, 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: Benjamin Chemla, Brian Simons, Dan Morgan, and Kristy Kim.Links:
Peter Thiel’s fund leads $40 million round in Shares app
Plaid jumps to ludicrous speed with new variable recurring payments product
TomoCredit raises $22M at a $222M valuation toward its goal of making credit scores ‘obsolete’
Mortgage fintech Maxwell introduces Spanish loan application
French business bank unicorn Qonto buys German competitor Penta
Top US regulator fires warning shot after Apple's push into lending
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jul 29, 2022 • 45min
649. Insights: Is the future of investment active or passive?
Our expert host, Gwera Kiwana, is joined by some great guests to ask: 'is the future of investment active or passive?'
Younger generations flipped the stock exchange on its head with fintech delivering the power of Wall Street to the palm of their hands.
But while many young investors were energised, the economic downturn has potentially shown the importance of long-term investments after all.
So: is the future of investment taking the bull by the horns and doing things entirely yourself, or is passing your money over to AI algorithms the better method in the long run?
This week's guests include:
Rajan Lakhani, Head of PR, Plum
Martin Sokk, CEO, Lightyear
Dan Lane, Manager, Investment Writing, Freetrade
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, Simon Taylor, Jason Bates and Gwera Kiwana, 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 Lane, Martin Sokk, and Rajan Lakhani.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jul 25, 2022 • 60min
648. News: Starling pulls back from Ireland while Stori becomes Mexico's latest fintech unicorn
Our expert hosts, Kate Moody 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:
Sarah Kocianski, Independent Fintech Strategy Consultant
Douglas Mackenzie, Chief Content Officer, Fintech Finance
With soundclips from:
Katie Llanos-Small, CEO, Iupana
We cover the following stories from the fintech and financial services space:
Starling pulls Irish bank application as international focus shifts - 3:25
Stori becomes Mexico’s latest fintech unicorn following massive funding round - 14:35
Brothers launch DIY investment platform for ESG investors - 27:40
Several fintechs post growing revenues despite global downturn - 38:20
Instagram’s new payments feature lets users buy products via DMs - 48:55
Half a trillion dollars wiped from fintechs - 50:12
Christie’s is getting into venture capital with a new fund for tech startups making financial tools for the art market - 52:00
A pop-up ice cream truck is selling 'Eat the Rich' popsicles shaped like Bill Gates and Mark Zuckerberg - 53:40
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, Simon Taylor, Jason Bates and Gwera Kiwana, 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: Douglas Mackenzie, Katie Llanos-Small, and Sarah Kocianski.Links:
Starling pulls Irish bank application as international focus shifts
Stori becomes Mexico’s latest fintech unicorn following massive funding round
Brothers launch DIY investment platform for ESG investors
Fintech isn’t dead, as Ramp reports accelerating revenue growth
Monzo losses narrow as revenue booms 90% and auditors drop uncertainty warning
Atom Bank poised for first yearly profit
Instagram’s new payments feature lets users buy products via DMs
Half a trillion dollars wiped from fintechs
Christie’s is getting into venture capital with a new fund for tech startups making financial tools for the art market
A pop-up ice cream truck is selling 'Eat the Rich' popsicles shaped like Bill Gates and Mark Zuckerberg — and people can't get enough of them
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jul 22, 2022 • 45min
647. Insights: How is rising inflation impacting financial services?
Our expert host, Kate Moody, is joined by some great guests to understand how inflation is impacting financial services.
Rising inflation is driving down the value of our money while driving up the cost of everything from energy, to food, to travel.
Inflation has plenty of real word impact and financial services is definitely tied up in that – from how people manage day-to-day spending, to investing for their future.
So how has inflation and the economic downturn impacted the funding available to fintechs? Can financial services swoop in and save the day? And what’s the long term impact of inflation on future products and services?
This week's guests include:
Julia McColl, Chief Product Officer, Chetwood Financial
Mike Carter, Head of Platform Lending, Innovate Finance
James Bryce Lind, Head of Strategic Development, Minna Technologies
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, Simon Taylor, Jason Bates and Gwera Kiwana, 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: James Bryce Lind, Julia McColl, and Mike Carter.
Learn more about your ad choices. Visit megaphone.fm/adchoices


