
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

Feb 16, 2022 • 4min
Bonus: Trailer | Decoding: Banks
Hey Fintech Insider fans.
We want to tell you all about our new video series - Decoding: Banks.
Tune in to see us and industry experts put banks under the microscope and ask - what challenges are traditional banks facing in 2022 and what can they do about them?
To know where we're headed, you need to understand how we got here. Our 11 episodes unpack the landscape today with unrivalled insight from our great selection of guests.
Watch the full series right now at 11FS.com/decoding
In association with Jack Henry Digital, the pioneer of personal digital banking, helping financial institutions strategically differentiate their digital offerings from megabanks, big techs, and fintechs.
Find out more: https://discover.jackhenry.com/digital/
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!
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Feb 14, 2022 • 60min
602. News: GoCardless, Stitch and Vivid Money raise funding to solve money movement friction
Our expert hosts, Ross Gallagher 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:
Kiaan PIllay, Co-Founder/CEO, Stitch
Catherine Birkett, CFO at GoCardless
With soundclips from:
Alexander Emeshev, Co-Founder, Vivid Money
We cover the following stories from the fintech and financial services space:
South African fintech Stitch raises $21 million in Series A funding - 3:00
GoCardless enters unicorn club with $312 million funding and $2.1 billion valuation - 14:45
Vivid Money, a financial super app, raises $114M at an $886M valuation to expand in Europe - 28:30
Fly Now Pay Later inks deal with booking site Alternative Airlines - 38:40
Apple and Stripe team up for tap to pay on iPhones - 48:20
New neobank Coupl set to launch in India - 49:45
Pakistani BNPL Firm QisstPay Expands to US - 50:50
Will Ferrell invests in Danish challenger bank Lunar - 52:00
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: Catherine Birkett and Kiaan Pillay.Links:
Stitch raises $21M for its API infrastructure and embedded finance platform
GoCardless enters unicorn club with $312 million funding and $2.1 billion valuation
Vivid Money, a financial super app, raises $114M at an $886M valuation to expand in Europe
Fly Now Pay Later inks deal with booking site Alternative Airlines
Apple signs up Stripe and Shopify for contactless payments
New neobank Coupl set to launch in India
Pakistani BNPL Firm QisstPay Expands to US
Will Ferrell sprinkles Hollywood stardust on Danish challenger bank Lunar
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Feb 11, 2022 • 44min
601. Insights: Unpacking cross-border payments
In this episode in assocation with Mastercard, Gwera Kiwana is joined by some great guests to look at everything to do with cross-border payments.
Once the source of headaches for businesses globally – today cross-border payments are so prevalent that recent research suggests $156 trillion is expected to cross international borders annually by the end of 2022.
So – with this staggering amount in mind – we’re asking what cross-border payments look like today, what are the challenges still to overcome, and what the future holds for the industry.
To find out more about Mastercard Cross-Border Services visit crossborder.mastercard.com.
This week's guests include:
Stephen Grainger, Executive Vice President, Mastercard
Bill Thomas, Chief Member Operations Officer at UNFCU
Naushad Contractor, CEO, Fable Fintech
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: Bill Thomas, Naushad Contractor, and Stephen Grainger.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Feb 7, 2022 • 1h 9min
600. News: Apple muscles in on merchant payments and Monzo lays out the future
It's episode 600 of Fintech Insider and our expert hosts, Simon Taylor 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:
Jonas Templestein, Co-Founder/CTO, Monzo Bank
Alex Marsh, Head, Klarna UK
Ruth McCarthy, CEO, Fexco Corporate Payments
We cover the following stories from the fintech and financial services space:
Next up in Apple’s plan for financial domination: Turning iPhones into payment terminals - 4:15
Wayflyer becomes latest Irish tech unicorn after $150m fundraise - 17:15
11:FS sits down with Monzo Co-Founder/CTO Jonas Templestein - 30:20
Jack Dorsey’s Block completes $29bn Afterpay acquisition - 56:20
Following his fiery Twitter tirades, Bolt founder Ryan Breslow is no longer CEO - 58:00
Serena Williams backed fintech Esusu hits unicorn status, procures $130M to bridge racial wealth gap - 59:50
Predicting Fintech Insider Episode 6000! - 1:01:30
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: Alex Marsh, Jonas Templestein, and Ruth McCarthy.Links:
Next up in Apple’s plan for financial domination: Turning iPhones into payment terminals
Wayflyer becomes latest Irish tech unicorn after $150m fundraise
Jack Dorsey’s Block completes $29bn Afterpay acquisition
Following his fiery Twitter tirades, Bolt founder Ryan Breslow is no longer CEO — and he says it’s his choice
Black-owned wealthtech start-up Esusu hits $1bn valuation following $130m Series B
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Feb 4, 2022 • 47min
599. Insights: In emerging markets, payments move in innovative ways
Our expert host, Simon Taylor, is joined by some great guests to break down the payments sector in emerging markets.
The payments sector remains at the forefront of financial services and the sector is evolving in many exciting ways.
That evolution is especially eye-catching in the emerging markets, who are not laboured with antiquated infrastructure seen across Europe and North America – and have often leapfrogged these markets directly into the future.
However, each of these emerging markets come with their own challenges, as well as opportunities.
This week's guests include:
Wiza Jalakasi, VP, Developer Relations, Chipper Cash
Aditi Sholapurkar, Co-Founder, Salt
Anna Hibino, Middle East & Africa - Expansion & Partnerships Lead, Wise
All of this and much more on today's episode!
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: Aditi Sholapurkar, Anna Hibino, and Wiza Jalakasi.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jan 31, 2022 • 60min
598. News: BNPL giant Klarna launches physical card in the UK
Our expert hosts, Gwera Kiwana and Ewan Silver, 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:
Polly Jean Harrison, Features Editor, The Fintech Times
Michael Wilkinson, COO, Everything
With soundclips from:
Dimitris Kalavros-Gousiou, Partner, Velocity Partners
We cover the following stories from the fintech and financial services space:
Klarna: ‘buy now, pay later’ firm to launch card in the UK - 4:10
Bank of America Says a Digital U.S. Dollar Is ‘Inevitable’ - 16:25
Everything Raises €2M to Re-Invent Premium Bonds in the UK - 27:45
JPMorgan agrees to acquire 49% stake in Greek fintech Viva Wallet - 38:55
Huawei turns to Curve for NFC payments in the wake of Google ban - 48:40
Tanzanian fintech NALA raises $10M seed to build Revolut for Africa - 50:05
Pakistani Digital Banks Finally Able To Get a Banking License Following SBP’s Announcement - 51:53
Bolt CEO called Y Combinator and Stripe 'the Mob' in a fiery Twitter thread - 53:50
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: Ewan Silver, Michael Wilkinson, and Polly Jean Harrison.Links:
Klarna: ‘buy now, pay later’ firm to launch card in the UK
Bank of America Says a Digital U.S. Dollar Is ‘Inevitable’
Everything Raises €2M to Re-Invent Premium Bonds in the UK
JPMorgan agrees to acquire 49% stake in Greek fintech Viva Wallet
Huawei turns to Curve for NFC payments in the wake of Google ban
Tanzanian fintech NALA raises $10M seed to build Revolut for Africa
Pakistani Digital Banks Finally Able To Get a Banking License Following SBP’s Announcement
Bolt CEO called Y Combinator and Stripe 'the Mob' in a fiery Twitter thread
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jan 28, 2022 • 46min
597. Insights: How does fintech serve the creator economy?
Our expert hosts, Gwera Kiwana and Ross Gallagher, are joined by some great guests to discuss the relationship between the creator economy and banking.
According to figures from Signalfire, creators - which includes influencers, bloggers, videographers and anyone else monetising their online fanbases - now total 50 million worldwide.
So – with the creator economy continuing to go from strength to strength – we’re asking what banking products are supporting this burgeoning sector? What challenges are there still to overcome? And what does the future look like for financial services for the creator economy?
This week's guests include:
Lotanna Ezeike, Founder and CEO, XPO
Kyla Scanlon, Creator and Investor
All of this and much more on today's episode!
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: Kyla Scanlon and Lotanna Ezeike .
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jan 24, 2022 • 1h 2min
596. News: Visa and Amazon call a truce – but for how long?
Our expert hosts, Ross Gallagher 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 are:
Ron Shevlin, Chief Research Officer, Cornerstone Advisors
Eric Johansson, Tech Editor, Verdict
Paddy O’Neil, Country Manager UK, Spendesk
With soundclips from:
Michael Hershfield, Founder and CEO, Accrue Savings
We cover the following stories from the fintech and financial services space:
Amazon to continue accepting Visa credit cards in UK as it bids to resolve payment dispute - 5:10
JP Morgan plots ‘astonishing’ $12bn tech spend to beat fintechs - 17:00
Spendesk is the fifth French startup to reach unicorn status this month - 31:30
Accrue Savings raises $25m to offer consumers “a responsible” purchasing option - 41:10
Ghanaian fintech Float raises $17M seed to power cash flow for commerce in Africa - 51:10
No “convincing case” for Central Bank Digital Currencies, says Lords committee - 52:45
Bolt becomes decacorn with $335 million funding round - 54:35
Selfridges becomes world’s first retailer to sell NFTs over the counter - 56:05
This episode is sponsored by Primer.
Primer is the world's first automation platform for payments. With Primer, merchants and developers have all the underlying infrastructure and "lego blocks" they need to build the best buying experiences for their customers. Learn more and book a demo at primer.io
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: Eric Johansson, Paddy O’Neill, and Ron Shevlin.Links:
Amazon to continue accepting Visa credit cards in UK as it bids to resolve payment dispute
JP Morgan plots ‘astonishing’ $12bn tech spend to beat fintechs
Spendesk is the fifth French startup to reach unicorn status this month
Accrue Savings raises $25m to offer consumers “a responsible” purchasing option
Ghana’s Float raises $17m seed round to power cash flow for commerce in Africa
No “convincing case” for Central Bank Digital Currencies, says Lords committee
Bolt becomes decacorn with $335 million funding round
Selfridges becomes world’s first retailer to sell NFTs over the counter
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jan 21, 2022 • 43min
595. Insights: The European and US fintech markets - which is further ahead?
Our expert host, Simon Taylor, is joined by some great guests to get under the skin of the debate into who is currently leading the fintech revolution.
With the recent success stories of Chime, Current, Bond, Unit, Ramp, Brex, Persona, Alloy, Plaid, MX, and many many more – there's a velocity to the USA right now.
However it has also been argued that the US are late to the party and Europe was having this glut of success 3-5 years ago and the US are just catching up.
So with this in mind – we’re asking who is currently ahead when it comes to fintech, the USA or Europe?
This week's guests include:
Peter Lord, CEO, Codat
Amon Ghaiumy, Co-Founder, Ophelos
Valentina Kristensen, Director, Growth & Communications, OakNorth
All of this and much more on today's episode!
This episode is sponsored by Primer.
Primer is the world's first automation platform for payments. With Primer, merchants and developers have all the underlying infrastructure and "lego blocks" they need to build the best buying experiences for their customers. Learn more and book a demo at primer.io
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: Amon Ghaiumy, Peter Lord, and Valentina Kristensen.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jan 17, 2022 • 58min
594. News: Fintech funding ramps up as Brex, Qonto and others all hit record valuations
Our expert hosts, Benjamin Ensor 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:
Samim Abedi, Chief Investment Officer at Wahed
Kate Drew, Director of Research, CCG Catalyst
We cover the following stories from the fintech and financial services space:
Fintech Brex confirms $12.3B valuation, AND snaps up Meta exec to serve as its head of product - 2:50
Wahed Debuts First Shariah-Compliant and ESG-Aware ETF on Nasdaq - 14:50
Business banking startup Qonto raises $552 million at $5 billion valuation - 29:14
Revolut launches as a bank in 10 Western European countries - 35:45
UK FS regulator takes aim at cloud giants - 47:14
Citi to sack unvaccinated staff at the end of the month - 48:42
UK parliament launches crypto group - 50:50
A technical issue sees a bank accidentally hand out £130m on Christmas morning - 52:40
This episode is sponsored by Primer.
Primer is the world's first automation platform for payments. With Primer, merchants and developers have all the underlying infrastructure and "lego blocks" they need to build the best buying experiences for their customers. Learn more and book a demo at primer.io
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: Kate Drew and Samim Abedi.Links:
Fintech Brex confirms $12.3B valuation, AND snaps up Meta exec to serve as its head of product
Wahed Debuts First Shariah-Compliant and ESG-Aware ETF on Nasdaq
Business banking startup Qonto raises $552 million at $5 billion valuation
Revolut launches as a bank in 10 Western European countries
UK FS regulator takes aim at cloud giants
Citi to sack unvaccinated staff at the end of the month
UK parliament launches crypto group
A technical issue sees a bank accidentally hand out £130m on Christmas morning
Learn more about your ad choices. Visit megaphone.fm/adchoices