
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

Mar 21, 2022 • 52min
612. News: SCA finally in effect, Lunar raises $77M and HSBC joins the metaverse
Our expert hosts, Gwera Kiwana and Sim Rai, 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:
Roger De’Ath, UK Country Manager, at Truelayer
Jimmy Fong, CCO at SEON
With soundclips from:
Mauricio Magaldi, Global Leader - Cryptocurrency
We cover the following stories from the fintech and financial services space:
Online retailers warned of lost sales as SCA comes into effect - 2:20
Nordic Neobank Lunar raises $77M, reaches $2B valuation AND launch a crypto platform - 13:00
eBay and Klarna partner to bring flexible payment options to Germany - 24:40
Revolut given thumbs up by the Ukrainian Deputy Prime Minister for helping refugees open accounts - 32:30
Softbank turns fund for diverse entrepreneurs into evergreen opportunity - 38:05
The FCA searches for head of new crypto dept - 41:15
One in 12 now use BNPL to play for essentials - 42:30
HSBC buys a virtual plot of land in the metaverse - 43:30
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, 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: Jimmy Fong, Mauricio Magaldi, Roger DeAth, and Sim Rai.Links:
Online retailers warned of lost sales as SCA comes into effect
Nordic Neobank Lunar raises $77M, reaches $2B valuation AND launch a crypto platform
eBay and Klarna partner to bring flexible payment options to Germany
Revolut given thumbs up by the Ukrainian Deputy Prime Minister for helping refugees open accounts
Softbank turns fund for diverse entrepreneurs into evergreen opportunity
The FCA searches for head of new crypto dept
One in 12 now use BNPL to play for essentials
HSBC buys a virtual plot of land in the metaverse
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Mar 18, 2022 • 40min
611. Insights: Running the Canadian fintech 'ultramarathon'
Our expert host, Benjamin Ensor, is joined by some great guests to talk all things Canadian fintech.
Following a tough 2020, Canada’s fintech scene has now thawed and 2021 saw record VC investment in the ecosystem.
With the promise of new regulation on Open Banking and payments on the horizon – this could be a big moment for The Great White North!
This week's guests are:
Barb Maclean, VP Integration & Analytics, Celero
Joshuah Lebacq, Director at NA ventures, National Bank Of Canada
Tarique Khan, Director of Business Development, Brim Financial
Ryan Tevel, Director of Partnerships, Koho
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: Barb MacLean, Joshuah Lebacq, Ryan Tevel, and Tarique Khan.
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Mar 14, 2022 • 57min
610. News: Kenya's M-Pesa marks milestone anniversary
Our expert hosts, Gwera Kiwana 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:
Sitoyo Lopokoiyit, CEO, M-Pesa
Lindsay Davis, Head of Markets, Atomic
Eric Johansson, Fintech Editor, Verdict
With soundclips from:
Patrick Kavanagh, CEO, Atlantic Money
Nicola Anderson, CEO, Fintech Scotland
We cover the following stories from the fintech and financial services space:
M-Pesa: Kenya's mobile money success story celebrates 15 years - 3:55
Russian banks turn to China to sidestep cutoff from payments systems - 15:20
Atomic lands $40m in funding, just five months after its Series A, to connect banks and fintechs to consumers’ paychecks - 26:00
Money transfer fintech launches in London to take on Wise and PayPal - 37:05
Indian fintech CredAvenue turns unicorn with fresh $137m funding - 46:25
New roadmap unveiled to take Scottish fintech from 'strength to strength' - 48:11
LimeWire announces comeback as Web3 NFT marketplace - 50:50
This episode is sponsored by CompyAdvantage
What role will blockchain play in the future of financial services? How are innovative fintechs expanding access to online banking in Africa? And would more bankers in orange jumpsuits change the way money laundering is perceived? Subscribe to Uncover, the ComplyAdvantage podcast, to explore these questions and much more: https://podcasts.apple.com/gb/podcast/uncover/id1601611340
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: Eric Johansson, Lindsay Davis , Nicola Anderson, Patrick Kavanagh, and Sitoyo Lopokoiyit.Links:
M-Pesa: Kenya's mobile money success story celebrates 15 years
Russian Banks Turn to China to Sidestep Cutoff From Payments Systems
Atomic lands $40M in funding, just five months after its Series A, to connect banks and fintechs to consumers’ paychecks
Money transfer fintech launches in London to take on Wise and PayPal
Indian fintech CredAvenue turns unicorn with fresh $137 million funding
New roadmap unveiled to take Scottish fintech from “strength to strength
LimeWire announces comeback as web3 NFT marketplace
Learn more about your ad choices. Visit megaphone.fm/adchoices

Mar 11, 2022 • 42min
609. Insights: What makes partnerships work?
Our expert host Simon Taylor is joined by some great guests to talk about partnerships all across the ecosystem between fintechs, service providers, banks, non-banks and more.
What once might have been perceived as rivalries between the old guard and the new school are now looked on as opportunities to learn and develop through working together.
So, today we’re talking about what partnerships look like in 2022, what challenges are still to overcome and how could partnerships look in the future?
This week's guests include:
Nicole Perry, Strategy Director - Digital Business Design, 11:FS
Martin Häring, CMO, Temenos
Mary Agbesanwa, Fintech Growth Lead, Seccl
Josh Williams, Chief Banking Officer, Seattle Bank
This episode is sponsored by CompyAdvantage
What role will blockchain play in the future of financial services? How are innovative fintechs expanding access to online banking in Africa? And would more bankers in orange jumpsuits change the way money laundering is perceived? Subscribe to Uncover, the ComplyAdvantage podcast, to explore these questions and much more: https://podcasts.apple.com/gb/podcast/uncover/id1601611340
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: Josh Williams, Martin Häring, Mary Agbesanwa, and Nicole Perry.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Mar 7, 2022 • 55min
608. News: Russia removed from Swift as fintech community steps up for Ukraine
Our expert hosts, Benjamin Ensor and Sim Rai, 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:
Yann Ranchere, Partner, Anthemis
Clare Gambardella, Chief Customer Officer, Zopa
With soundclips from:
Ali Niknam, CEO, Bunq
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 - 1:54
Wider fintech community responds to the invasion of Ukraine - 17:33
Klarna’s widening losses driven by rapid expansion - 31:10
Freetrade’s European expansion given the green light - 40:30
Women overtake men in UK start-up volumes, NatWest data shows - 49:20
Payhawk becomes Bulgaria's first ever unicorn - 50:50
This episode is sponsored by CompyAdvantage
What role will blockchain play in the future of financial services? How are innovative fintechs expanding access to online banking in Africa? And would more bankers in orange jumpsuits change the way money laundering is perceived? Subscribe to Uncover, the ComplyAdvantage podcast, to explore these questions and much more: https://podcasts.apple.com/gb/podcast/uncover/id1601611340
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 Niknam, Clare Gambardella, Sim Rai, and Yann Ranchere.Links:
The West’s Sanctions Barrage Severs Russia’s Economy From Much of the World
Zopa pledges visas and relocation support for eligible Ukrainian nationals
Bunq, Picnic and MessageBird tech entrepreneurs unite to provide aid for refugees
Klarna’s widening losses driven by rapid expansion
Freetrade’s European expansion given the green light
Women overtake men in UK start-up volumes, NatWest data show
Payhawk becomes Bulgaria's first ever unicorn
Learn more about your ad choices. Visit megaphone.fm/adchoices

Mar 4, 2022 • 45min
607. Insights: The state of financial crime
In this episode (in association with ComplyAdvantage), our expert host Gwera Kiwana is joined by some great guests to look at the latest trends in financial crime.
ComplyAdvantage recently released their annual The State of Financial Crime report for 2022 – in which they surveyed 800 C-suite and senior compliance decision makers across North America, Europe and Asia-Pacific.
The report provides insights into trends that will shape the year ahead in financial crime, as well as showing what’s changed in the last year. So today, we’re using this report to kick off a whole discussion on financial crime.
This week's guests include:
Charles Delingpole, Founder & CEO, ComplyAdvantage
Jo Ann Barefoot, CEO & Co-founder, Alliance for Innovative Regulation
Matthew Redhead, Associate Fellow, RUSI
This episode is sponsored by CompyAdvantage
What role will blockchain play in the future of financial services? How are innovative fintechs expanding access to online banking in Africa? And would more bankers in orange jumpsuits change the way money laundering is perceived? Subscribe to Uncover, the ComplyAdvantage podcast, to explore these questions and much more: https://podcasts.apple.com/gb/podcast/uncover/id1601611340
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: Charles Delingpole, Jo Ann Barefoot, and Matthew Redhead.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Feb 28, 2022 • 1h 5min
606. News: Flux's new CEO calls out the gender gap at the top of fintech
Our expert hosts, David M. Brear and Nasir Ahmad, 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:
Kevin Chong, Co-Head, Outward VC
Veronique Barbosa, CEO & Co-Founder, Flux
With soundclips from:
Tayo Oviosu, CEO, Paga
Marko Wenthin, Co-Founder, Dock Financial
Will Carmichael, CEO, RoosterMoney
We cover the following stories from the fintech and financial services space:
Retail investor platform PrimaryBid wins SoftBank backing - 4:40
New Flux CEO calls paltry number of female fintech bosses "insane" - 13:10
UK’s leading fintech bosses call on government to ramp up efforts to overhaul regulation - 31:55
Twitter adds Paga as a payment provider for its "Tips" feature in Nigeria - 40.25
Revealed: Credit Suisse leak unmasks criminals, fraudsters and corrupt politicians - 49:05
Dock Financial prepares for the launch of a new Banking-as-a-Service platform - 53:22
The pocket money pinch - inflation fuels the surge of the 'school kid side hustle' - 55:45
This episode is sponsored by CompyAdvantage
What role will blockchain play in the future of financial services? How are innovative FinTechs expanding access to online banking in Africa? And would more bankers in orange jumpsuits change the way money laundering is perceived? Subscribe to Uncover, the ComplyAdvantage podcast, to explore these questions and much more: https://podcasts.apple.com/gb/podcast/uncover/id1601611340
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: Kevin Chong, Marko Wenthin, Tayo Oviosu, Veronique Barbosa, and Will Carmichael.Links:
Retail investor platform PrimaryBid wins SoftBank backing
New Flux CEO calls paltry number of female fintech bosses "insane"
UK’s leading fintech bosses call on government to ramp up efforts to overhaul regulation
Twitter adds Paga as a payment provider for its "Tips" feature in Nigeria
Revealed: Credit Suisse leak unmasks criminals, fraudsters and corrupt politicians
Dock Financial prepares for the launch of a new Banking-as-a-Service platform
UK's Top Pocket Money Index Reveals Kids' Average Spending on Games, Gadgets, and More!
Learn more about your ad choices. Visit megaphone.fm/adchoices

Feb 25, 2022 • 43min
605. Insights: Looking ahead to the future of fintech in UAE
Our expert hosts, Benjamin Ensor and Tristan Brandt, are joined by some great guests to delve into the fintech landscape in UAE.
The Middle East is home to a number of exciting fintech companies and the UAE has rapidly established itself as a leading hub for fintech startups in the region.
So, today we’re talking about how things look in 2022, what challenges there are to overcome, and what’s next for one of the region’s hottest fintech ecosystems.
This week's guests include:
Mirna Sleiman, Co-founder, Fintech Galaxy
Olivier Crespin, Co-founder and CEO, ZAND
Ambareen Musa, CEO of Souqalmal
This episode is sponsored by Fintech Meetup.
Join Fintech Meetup, the world’s largest fintech meetings-only event! That’s right - no speakers or content….just 30,000+ double opt-in online meetings that result in Deals, Partnerships and Funding. Meet 3,000+ participants from Fintechs, Banks, Credit Unions, Community Banks, Investors, Networks, Solution Providers, Tech cos, Retailers & Merchants and many others! Online, March 22-24. Learn More & Get Your Ticket
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: Ambareen Musa, Mirna Sleiman, Olivier Crespin, and Tristan Brandt.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Feb 21, 2022 • 1h 1min
604. News: Banked and Agreena raise Series As – but does fintech have a problem with copying?
Our expert hosts, Benjamin Ensor and Tim Heard, 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:
Brad Goodall, CEO, Banked
Julie Koch Fahler, Co-founder, Agreena
We cover the following stories from the fintech and financial services space:
Banked raises $20m Series A led by Bank of America and Edenred for US expansion - 3:00
'Farmer fintechs' are turning Europe’s farms into carbon sinks - 15:30
Primer co-founder hits out at "brazen" copying in fintech - 28:15
Four buy now, pay later firms change ‘potentially unfair terms’ - 39:30
Revolut acquires Indian money transfer company Arvog Forex - 50:25
BBVA invests $300m in Brazil's Neon - 51:40
Sustainable finance app Novus raises $5m in 9 months and is now officially live - 52:58
JPMorgan is the first bank into the metaverse - 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, 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: Brad Goodall and Julie Koch Fahler.Links:
Banked raises $20M Series A led by Bank of America and Edenred for US expansion
“Farmer fintechs” are turning Europe’s farms into carbon sinks
Primer co-founder hits out at "brazen" copying in fintech
Four buy now, pay later firms change ‘potentially unfair terms’
Revolut acquires Indian money transfer company Arvog Forex
BBVA invests $300m in Brazil's Neon
Sustainable finance app Novus raises $5 million in 9 months and is now officially live
JPMorgan Is the First Bank Into the Metaverse
Learn more about your ad choices. Visit megaphone.fm/adchoices

Feb 18, 2022 • 47min
603. Insights: LATAM can become world-leaders in fintech
Our expert hosts, Benjamin Ensor and Mauricio Magaldi, are joined by some great guests to get under the skin of the rise and rise of LATAM fintech.
According to the Financial Times, 2021 saw VCs invest $15.3 billion into Latin American firms—triple the funding raised in 2020. A staggering 75% of that investment went into fintech, proptech, and e-commerce.
Nubank, LATAM’s largest fintech, raised $1.15 billion in the region's biggest ever deal – then floated on the NYSE at a valuation of $40 billion.
How did LATAM fintech get to this point? Is everything really as utopian as it seems? And what comes next for the newest global fintech player?
This week's guests include:
Jag Duggal, Chief Product Officer, Nubank
Ximena Aleman, Co-Founder, Promoteo
Bruno Diniz, Managing Partner, Spiralem
This episode is sponsored by Fintech Meetup.
Join Fintech Meetup, the world’s largest fintech meetings-only event! That’s right - no speakers or content….just 30,000+ double opt-in online meetings that result in Deals, Partnerships and Funding. Meet 3,000+ participants from Fintechs, Banks, Credit Unions, Community Banks, Investors, Networks, Solution Providers, Tech cos, Retailers & Merchants and many others! Online, March 22-24. Learn More & Get Your Ticket
Fintech Insider by 11:FS is a podcast dedicated to all things fintech, banking, technology and financial services. Hosted by a rotation of 11:FS experts including David Brear, Simon Taylor and Jason Bates, who are joined by 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: www.twitter.com/fintechinsiders where you can ask the hosts questions, alternatively email podcasts@11fs.com!Special Guests: Bruno DIniz, Jag Duggal, Mauricio Magaldi, and Ximena Aleman.
Learn more about your ad choices. Visit megaphone.fm/adchoices