

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

Jul 18, 2022 • 54min
646. News: Klarna completes down round and Flutterwave accounts frozen in Kenya
Our expert hosts, David M. Brear 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.
This week's guests include:
Abubakar Idris, Africa Reporter, Rest of World
Anita Ramaswamy, Reporter, Techcrunch
We cover the following stories from the fintech and financial services space:
Klarna’s valuation slashed by $39 billion amid fintech rout - 4:45
Fintech Flutterwave has accounts frozen in Kenya amid court probe - 14:15
Brazilian lender Creditas raises $200 million, buys bank - 24:10
Kadmos, a salary payments platform for migrant workers, raises $29.5M - 31:30
Almost 4.5 million UK families are in serious financial trouble - 39:50
Revolut launches ‘learn and earn’ crypto courses - 41:45
Playboy goes full Minecraft, teases pixelated mansion in the metaverse - 43:00
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, 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: Abubakar Idris and Anita Ramaswamy.Links:
Klarna’s valuation slashed by $39 billion amid fintech rout
Fintech Flutterwave has accounts frozen in Kenya amid court probe
Brazilian lender Creditas raises $200 million, buys bank
Kadmos, a salary payments platform for migrant workers, raises $29.5M
Almost 4.5 million UK families are in serious financial trouble
Revolut launches ‘learn and earn’ crypto courses
Playboy goes full Minecraft, teases pixelated mansion in the metaverse
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jul 15, 2022 • 43min
645. Insights: Dan McCrum on bringing down payment giant Wirecard's house of cards
Our expert host, David M. Brear, is joined by Dan McCrum, an investigative reporter at the Financial Times and author of 'Money Men: A Hot Startup, A Billion Dollar Fraud, A Fight for the Truth'.
The financial services industry was rocked by headlines about Wirecard.
It filed for insolvency in June 2020 claiming €1.9 billion dollars was “missing” from its balance sheet and slowly the whole sorry story came to light, with everything from embezzlement, racketeering, pornography and the eventual firing and arrest of its CEO Markus Braun.
On today’s show we are speaking to the man who brought this all to light – and has documented the story in his new book.
This episode is sponsored by FullCircl
You’re under pressure on multiple fronts – demanding customers, competitors making a grab for market share, regulatory scrutiny, and high cost-to-serve. So, what to do?
Whether you’re a bank or financial services company, future-ready transformation can only be achieved by implementing a holistic Customer Lifecycle Intelligence (CLI) strategy.
This new whitepaper explores how CLI will help you find the right customers, onboard them faster, and keep them for life. Check out the whitepaper 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, 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: Dan McCrum.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jul 11, 2022 • 53min
644. News: Should Open Banking become a legal requirement for credit assessment?
Our expert hosts, Benjamin Ensor and Deepa Anikhindi, 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:
Tim Coates, Co-founder, Oxbury Bank
Dan Morgan, Policy Lead - Europe, Plaid
With soundclips from:
Duncan Barrigan, Chief Product & Growth Officer, GoCardless
We cover the following stories from the fintech and financial services space:
Oxbury Bank raises another £20m in accelerated funding round - 2:55
Payl8r calls for open banking to be legally required for credit assessing - 14:45
55% of American millennials and Gen Zers aren’t prioritising saving - 26:40
Revolut launches first card reader in venture into physical retail - 37:00
PINA offers wealth management for Indonesia’s growing middle- to upper-class - 42:05
GoCardless to acquire Open Banking platform Nordigen - 43:20
The world's first fintech sitcom is just what you'd imagine - 46:18
This episode is sponsored by FullCircl
You’re under pressure on multiple fronts – demanding customers, competitors making a grab for market share, regulatory scrutiny, and high cost-to-serve. So, what to do?
Whether you’re a bank or financial services company, future-ready transformation can only be achieved by implementing a holistic Customer Lifecycle Intelligence (CLI) strategy.
This new whitepaper explores how CLI will help you find the right customers, onboard them faster, and keep them for life. Check out the whitepaper 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, 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, Duncan Barrigan, and Tim Coates.Links:
Oxbury Bank raises another £20m in accelerated funding round
Payl8r calls for open banking to be legally required for credit assessing
55% of millennials, Gen Zers aren’t prioritizing saving—and that may actually be smart, expert says
Exclusive: London fintech Revolut launches first card reader in venture into physical retail
PINA offers wealth management for Indonesia’s growing middle- to upper-class
GoCardless to Acquire Open Banking Platform Nordigen
The world's first fintech sitcom is just what you'd imagine
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jul 8, 2022 • 50min
643. Insights: How do you put together the perfect mortgage offering?
Our expert host, David M. Brear, is joined by some great guests to put together the perfect mortgage offering.
While fintech disruptors have looked to make mortgages simpler, there are still many hurdles in the way of a seamless experience for potential homeowners.
So, bringing together a panel of industry experts from the UK, the US and Europe, we're asking: What do we get rid of? What do we keep? And what do we add in the future?
This week's guests incude:
Francesca Carlesi, Co-founder & CEO, Molo Finance
Ali Niknam, CEO, Bunq
Brian Simons, President, Maxwell
This episode is sponsored by FullCircl
You’re under pressure on multiple fronts – demanding customers, competitors making a grab for market share, regulatory scrutiny, and high cost-to-serve. So, what to do?
Whether you’re a bank or financial services company, future-ready transformation can only be achieved by implementing a holistic Customer Lifecycle Intelligence (CLI) strategy.
This new whitepaper explores how CLI will help you find the right customers, onboard them faster, and keep them for life. Check out the whitepaper 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, 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, Brian Simons, and Francesca Carlesi.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jul 4, 2022 • 1h 4min
642. News: Kroo lands coveted banking license, while Credit Suisse found guilty of money laundering
Our expert hosts, David M. Brear 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.
This week's guests include:
Andrea de Gottardo, CEO, Kroo
Jessica Cath, Head of Financial Crime Project Delivery, Fintrail
With soundclips from:
Natalie Ledward, Head of Vulnerable Customers, Monzo
Charlotte Fereday, Product Director, 11:FS
Marc-Alexander Christ, Co-founder & CFO, SumUp
We cover the following stories from the fintech and financial services space:
Kroo lands full banking licence - 4:10
Credit Suisse bank found guilty over money laundering charges - 16:20
Digital bank Volt, which ‘wanted to change the world of banking’, shuts down - 26:30
‘Shopping is a nightmare’: how ADHD affects people’s spending habits - 32:10
JPMorgan Chase tells employees the bank will pay for travel to states that allow abortion - 44:45
SumUp raises £507m at a £6.8bn valuation - 49:30
Fintech Insider mailbag - 53:30
This episode is sponsored by FullCircl
You’re under pressure on multiple fronts – demanding customers, competitors making a grab for market share, regulatory scrutiny, and high cost-to-serve. So, what to do?
Whether you’re a bank or financial services company, future-ready transformation can only be achieved by implementing a holistic Customer Lifecycle Intelligence (CLI) strategy.
This new whitepaper explores how CLI will help you find the right customers, onboard them faster, and keep them for life. Check out the whitepaper 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, 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: Andrea de Gottardo, Charlotte Fereday, Jessica Cath, Marc-Alexander Christ, and Natalie Ledward .Links:
Kroo lands full banking licence
Credit Suisse bank found guilty over money laundering charges
Digital bank Volt, which ‘wanted to change the world of banking’, shuts down
‘Shopping is a nightmare’: how ADHD affects people’s spending habits
JPMorgan Chase tells employees the bank will pay for travel to states that allow abortion
SumUp raises £507m at a £6.8bn valuation
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jul 1, 2022 • 48min
641. Insights: What does 'financial inclusion' actually mean?
Our expert host, Gwera Kiwana, is joined by some great guests to ask: 'What actually is financial inclusion?'
It has become a catch-all for financial services looking to engage with communities and markets that have not been traditionally connected to the financial grid.
But while much good has been done under the umbrella of financial inclusion - is it time to rethink the term? Is it helpful? And should we be pushing people towards banking systems that weren’t designed for them?
This week's guests include:
Bruno DIniz, Co-founder, Spiralem
Sunaina Kumar, Senior Fellow, Observer Research Foundation
Dayana Yermolayeva, CEO & Co-founder, JiPay
This episode is sponsored by FullCircl
You’re under pressure on multiple fronts – demanding customers, competitors making a grab for market share, regulatory scrutiny, and high cost-to-serve. So, what to do?
Whether you’re a bank or financial services company, future-ready transformation can only be achieved by implementing a holistic Customer Lifecycle Intelligence (CLI) strategy.
This new whitepaper explores how CLI will help you find the right customers, onboard them faster, and keep them for life. Check out the whitepaper 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, 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: Bruno DIniz, Dayana Yermolayeva, and Sunaina Kumar.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jun 27, 2022 • 60min
640. News: Brex backs away from SMEs while the UK ramps up BNPL regulation
Our expert hosts, David M. Brear 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:
Ron Shevlin, Chief Research Officer, Cornerstone Advisors
Tayga Baltacıoğlu, CEO, Debite
Douglas Soltys, Editor-in-Chief, BetaKit
With soundclips form:
Antony Stephen, CEO, Barclays Partner Finance
David Cunningham, Chief Commercial Officer, Lextego
We cover the following stories from the fintech and financial services space:
Brex drops tens of thousands of small business customers as Silicon Valley adjusts to new reality - 5:40
UK outlines plans to tighten ‘buy now pay later’ rules - 14:50
Canada’s Wealthsimple becomes the latest fintech to cut staff - 31:35
Deutsche Bank staff forced to install app that tracks messages - 44:45
Stripe to launch new bank transfer proposition in UK and EU to take away "operational pain” - 48:40
The phoney 'fintech revolution' is eating itself - 49:55
Irish banks get green light for payments app - 51:34
Internet Explorer is being hilariously serenaded after 27 long years of browsing history - 53:55
This episode is sponsored by FullCircl
You’re under pressure on multiple fronts – demanding customers, competitors making a grab for market share, regulatory scrutiny, and high cost-to-serve. So, what to do?
Whether you’re a bank or financial services company, future-ready transformation can only be achieved by implementing a holistic Customer Lifecycle Intelligence (CLI) strategy.
This new whitepaper explores how CLI will help you find the right customers, onboard them faster, and keep them for life. Check out the whitepaper 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, 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: Antony Stephen, Dave Cunningham, Douglas Soltys, Ron Shevlin, and Tayga Baltacıoğlu.Links:
Brex drops tens of thousands of small business customers as Silicon Valley adjusts to new reality
UK outlines plans to tighten ‘buy now pay later’ rules
Canada’s Wealthsimple becomes the latest fintech to cut staff
Deutsche Bank staff forced to install app that tracks messages
Stripe to launch new bank transfer proposition in UK and EU to take away "operational pain”
The phoney 'fintech revolution' is eating itself
Irish banks get green light for payments app
Internet Explorer is being hilariously serenaded after 27 long years of browsing history
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jun 24, 2022 • 48min
639. How do we make financial services more LGBTQ-inclusive?
Our expert hosts, Benjamin Ensor, is joined by some great guests to ask: “how do we make financial services LGBTQ inclusive?”
To mark this year’s Pride month, but also hopefully creating a conversation relevant at any time, we’re asking: what issues has the LGBTQ community faced and continues to face when it comes to financial services? What solutions are being found? And what could the future hold?
This week's guests include:
Charlotte Fereday, Product Director, 11:FS
David Auten, Co-host, Queer Money Podcast
Steve Wardlaw, Chairman, Emerald Life
Kate Anthony, CEO, Euphoria
This episode is sponsored by FullCircl
You’re under pressure on multiple fronts – demanding customers, competitors making a grab for market share, regulatory scrutiny, and high cost-to-serve. So, what to do?
Whether you’re a bank or financial services company, future-ready transformation can only be achieved by implementing a holistic Customer Lifecycle Intelligence (CLI) strategy.
This new whitepaper explores how CLI will help you find the right customers, onboard them faster, and keep them for life. Check out the whitepaper 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, 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: Charlotte Fereday, David Auten, Kate Anthony, and Steve Wardlaw.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jun 20, 2022 • 59min
638. News: Allica bank raises for SMEs and Backbase raises to transform the back end of banking
Our expert hosts, Benjamin Ensor and Gwera Kiwana, 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:
Søren Aabel Hammer, CEO, Mazepay
Keshvi Radia, Head of Product for Payments, Allica Bank
Tim Rutten, SVP of Strategy, Backbase
With soundclips from:
Richard Davies, CEO, Allica Bank
Jacob Groth, Customer Relations Director, P27
We cover the following stories from the fintech and financial services space:
Allica Bank secures £55m in equity and debt round - 5:50
Backbase secures €2.5bn valuation after €120m investment - 16:30
Instant payments top the agenda for Swedish banks says P27 - 29:45
Starling snaps up £500m mortgage book in shift from Covid loans - 39:05
MFS Africa extends its Series C by $100m, bringing total to $200m - 47:30
CaixaBank and Microsoft explore the metaverse - 49:10
Shopify loses early big investor over rising competition - 50:40
Deadmau5 is launching his own online bank - 53:00
This episode is sponsored by FullCircl
You’re under pressure on multiple fronts – demanding customers, competitors making a grab for market share, regulatory scrutiny, and high cost-to-serve. So, what to do?
Whether you’re a bank or financial services company, future-ready transformation can only be achieved by implementing a holistic Customer Lifecycle Intelligence (CLI) strategy.
This new whitepaper explores how CLI will help you find the right customers, onboard them faster, and keep them for life. Check out the whitepaper 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, 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: Jacob Groth, Keshvi Radia, Richard Davies, Søren Aabel Hammer, and Tim Rutten.Links:
Allica Bank secures £55m in equity and debt round
Backbase secures €2.5bn valuation after €120mn investment
Instant Payments Top the Agenda For Swedish Banks Says P27
Starling snaps up £500mn mortgage book in shift from Covid loans
MFS Africa extends its Series C by $100 million, bringing total to $200 million
CaixaBank and Microsoft explore the metaverse
Deadmau5 is launching his own online bank
Shopify Loses Early Investor Mawer Over Rising Competition
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jun 17, 2022 • 55min
637. Insights: What can crypto learn from TradFi?
Our expert host, David M. Brear is joined by some great guests to break down what lessons the burgeoning crypto industry could take from traditional finance.
We want to get into the weeds and look at: product, UX, design, biz ops and much more alongside very special guests in the space to argue both sides of the debate.
Are there crossovers? Could trad finance also learn from crypto? Where can they both do better? Let's find out!
This week's guests include:
Jason Mikula, Founder and publisher, Fintech Business Weekly
Louisa Murray, Chief Operating Officer, UK & Europe, Railsr
David Birch, author, advisor and investor in digital financial services
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: Dave Birch, Jason Mikula, and Louisa Murray.
Learn more about your ad choices. Visit megaphone.fm/adchoices


