
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

Jan 14, 2022 • 50min
593. Insights: Breaking down the US financial services sector
Our expert host, Simon Taylor, is joined by some great guests to look a the banking sector in the USA – in association with Temenos.
Where once the American banking sector was dominated by the biggest names on Wall Street - we’ve seen major evolution in recent years; following changes in regulation and smart new ideas from both news players and incumbents looking to shake things up.
So what have been the successes so far? What has proved challenging? And what’s next for the banking sector in the USA?
This week's guests include:
Dan Henry, CEO, Green Dot
Jacqueline White, President - Americas, Temenos
Vlad Lounegov, CEO, Mbanq
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: Dan Henry, Jacqueline White, and Vlad Lounegov.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jan 10, 2022 • 1h 1min
592. News: Anne Boden comments anger fintech bosses and Tencent invests in Monzo
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:
Abba Newbery, Chief Marketing Officer, Habito
Wiza Jalakasi, VP, Developer Relations, Chipper Cash
We cover the following stories from the fintech and financial services space:
Fintech bosses accuse Starling Bank’s Anne Boden of stifling innovation 2:57
Chinese giant Tencent joins backers of £3.3bn digital bank Monzo 15:16
Habito offers mortgages for up to seven times person's salary 27:03
Fintechs in Africa continue to overshadow all other startups in funding gained 37:39
ING announces exit from French retail banking market 49:41
Hong Kong Fintech Unicorn WeLab To Enter Increasingly Crowded Indonesian Digital Banking Market 50:56
Fintech-focused Ribbit Capital raises $1.15B 52:30
BlackBerry: End of an era as company pulls plug on iconic handsets 53:50
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
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: Abba Newbery and Wiza Jalakasi.Links:
Fintech bosses accuse Starling Bank’s Anne Boden of stifling innovation
Chinese giant Tencent joins backers of £3.3bn digital bank Monzo
Habito offers mortgages for up to seven times person's salary
Fintechs in Africa continue to overshadow all other startups in funding gained
ING announces exit from French retail banking market
Hong Kong Fintech Unicorn WeLab To Enter Increasingly Crowded Indonesian Digital Banking Market
Fintech-focused Ribbit Capital raises $1.15B
BlackBerry: End of an era as company pulls plug on iconic handsets
Learn more about your ad choices. Visit megaphone.fm/adchoices

Jan 7, 2022 • 52min
591. Insights: Predicting the future of fintech in 2022
Our expert hosts, Benjamin Ensor, Gwera Kiwana, and Alex Hooper got together to discuss their predictions for fintech in 2022 – as well as revisiting the predictions previously made for 2021.
Will we see the rise of the global south? Could variable recurring payments silence the critics of Open Banking? Or will direct-to-consumer fintechs target more specific audiences?
Tune in to hear how last year's predictions went and the big themes to look out for this year!
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
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!
Learn more about your ad choices. Visit megaphone.fm/adchoices

Dec 20, 2021 • 58min
590. News: Global Super Apps on the rise as Nubank IPOs and Lydia becomes a unicorn
Our expert hosts, Gwera Kiwana 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:
Gabriel Le Roux, Co-Founder, Primer
Bruno DIniz, Co-Founder, Spiralem
We cover the following stories from the fintech and financial services space:
Nubank makes its market debut on New York Stock Exchange - 4:15
Primer launches no-code plugins for e-Commerce platforms - 15:55
Which? calls for banks to pause branch closures - 25:40
French ‘super app’ Lydia raises $100m becoming latest European fintech unicorn, plots 10 million users by 2025 - 35:50
Better.com CEO to take time off after firing hundreds of employees over Zoom - 46:40
JPMorgan to hire hundreds more staff for UK digital bank - 48:35
OakNorth acquires smart cashflow firm Fluidly to boost SME support - 50:30
FCA launches Christmas jingle to warn about fraud - 52:05
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
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.comSpecial Guests: Bruno DIniz and Gabriel le Roux.Links:
Nubank makes its market debut on New York Stock Exchange
Primer launches no-code plugins for e-Commerce platforms
Bank branch closures should be paused immediately, says Which?
French ‘super app’ Lydia raises $100m becoming latest European fintech unicorn, plots 10 million users by 2025
Better.com CEO to take time off after firing hundreds of employees over Zoom
JPMorgan to hire hundreds more staff for UK digital bank
OakNorth acquires smart cashflow firm Fluidly to boost SME support
FCA launches Christmas jingle to warn about fraud
Learn more about your ad choices. Visit megaphone.fm/adchoices

Dec 17, 2021 • 29min
589. Insights: Taking a closer look at the Canadian market ft. Phillippe Daoust
This Friday, we're switching it up a bit!
From our Youtube sister show Spotlight, our expert host - Simon Taylor - is joined by Philippe Daoust, Vice President & Managing Director at National Bank of Canada. The pair look at Canada's fintech scene looks today, how it's evolving, and the National Bank of Canada's growing relationship with fintech challengers.
All of this and much much more on today's show!
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 (https://primer.io/?utm_source=11fs&utm_medium=referral&utm_campaign=fintech_insider_)
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 Guest: Philippe Daoust.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Dec 13, 2021 • 57min
588. News: Seedrs acquired by Republic to fuel European expansion
Our expert hosts, Simon Taylor 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:
Kirsty Grant, CIO, Seedrs
Ruby Hinchliffe, Reporter, FT Adviser
With soundclips from:
Lisa Jacobs, CEO of Funding Circle
We cover the following stories from the fintech and financial services space:
Republic acquires UK’s Seedrs in $100M deal to push into Europe - 2:45
Former TSB CEO launches money-sharing social network Loop - 15:50
Wealthsimple quits the UK market - 25:49
Zopa pulls out of P2P consumer lending - 36:25
Majority raises $27 million for migrant mobile banking service - 46:12
Funding Circle launches embedded finance solution (soundclip from Lisa Jacobs, CEO of Funding Circle) - 47:35
Monzo valuation hits $4.5bn on back of drawing thousands of new customers - 49:00
Harrods agrees buy now pay later tie up with Klarna - 51:14
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 (https://primer.io/?utm_source=11fs&utm_medium=referral&utm_campaign=fintech_insider_)
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: Kirsty Grant and Ruby Hinchliffe.Links:
Republic acquires UK’s Seedrs in $100M deal to push into Europe
Former TSB CEO launches money-sharing social network Loop
Wealthsimple exit: One of ‘a number of casualties to come'
Zopa pulls out of P2P consumer lending
Majority raises $27 million for migrant mobile banking service
Funding Circle launches embedded finance solution
Monzo valuation hits $4.5bn on back of drawing thousands of new customers
Harrods agrees buy now pay later tie up with Klarna
Learn more about your ad choices. Visit megaphone.fm/adchoices

Dec 10, 2021 • 46min
587. Insights: Financial education is best served young
Our expert host, Gwera Kiwana, is joined by some great guests to talk about financial education – what it currently looks like, the challenges faced, and what the syllabus should be in the future.
We asked on Twitter and Linkedin 'what topic in financial services isn’t talked about enough'? Many people came back with great and insightful suggestions – with financial education coming up again and again.
So, we’re dedicating our Insights show to ‘what financial education should look like in 2022?’
This week's guests include:
Dan Lane, Senior Analyst, Freetrade
Louise Hill, Co-Founder & Chief Operating Officer, GoHenry
Fiona Montgomery, Head of School Age Education, MyBnk
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 (https://primer.io/?utm_source=11fs&utm_medium=referral&utm_campaign=fintech_insider_)
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: Dan Lane, Fiona Montgomery, and Louise Hill.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Dec 6, 2021 • 60min
586. News: Has the Financial Conduct Authority freed up Open Banking?
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:
Richard Davies, CEO, Allica Bank
Sophie Winwood, Investor, Anthemis
We cover the following stories from the fintech and financial services space:
Small business lender Allica raises £110m as it quickens growth 3:16
FCA boosts Open Banking by removing 3-month re-authentication requirement 14:38
British Business Bank Finds UK Venture Capital Fund Performance has Increased 27:10
Afterpay releases BNPL for subscription services in the US and Australia 35:55
Thought Machine closes $200M for its cloud native banking SaaS and becomes a unicorn 47:10
India’s Slice becomes unicorn with $220M funding from Tiger Global, Insight Partners and Advent 48:44
Moneybox and Plaid give customers greater control over their finances 50:41
Mr Goxx, the crypto-trading hamster, dies 53:10
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 (https://primer.io/?utm_source=11fs&utm_medium=referral&utm_campaign=fintech_insider_)
This episode is sponsored by SAS.
SAS help their customers make banking simple, safe and rewarding for everyone. They support banks in their goal to treat every customer as an individual. Combining data from across the bank with external information and real-time context delivers unique insight and a deep understanding of customer needs. By applying this insight at the right time via the right channel, SAS help make every customer engagement with the bank a relevant, valuable, and seamless experience.
SAS enables banks to embed real-time intelligence in every interaction, helping them make smarter, faster decisions that transform customer experience.
To find out more, visit https://www.sas.com.
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: Richard Davies and Sophie Winwood.Links:
Small business lender Allica raises £110m as it quickens growth
FCA boosts Open Banking by removing 3-month re-authentication requirement
British Business Bank Finds UK Venture Capital Fund Performance has Increased
Afterpay releases BNPL for subscription services in the US and Australia
Thought Machine closes $200M for its cloud native banking SaaS and becomes a unicorn
India’s Slice becomes unicorn with $220M funding from Tiger Global, Insight Partners and Advent
Moneybox and Plaid give customers greater control over their finances
Mr Goxx, the crypto-trading hamster, dies
Learn more about your ad choices. Visit megaphone.fm/adchoices

Dec 3, 2021 • 1h 3min
585. Insights: After Dark: Better. Faster. Stronger.
Welcome to the latest installment of After Dark, titled 'Better. Faster. Stronger.'
We are joined by the best and the brightest in fintech and financial services, as well as our first live audience of 2021, to set some goals for the industry as a whole.
What do we mean by that?
We’re asked our panel and live audience to rate where the financial services industry is in 2021 and set three goals for 2022 and beyond – what to start, what to keep up, and what to stop!
Our fantastic panel conists of;
Hosts:
Simon Taylor, Co-Founder, 11:FS / CPO, 11:FS Foundry
Jason Bates - Co-Founder / Deputy CEO - 11:FS
Guests:
Louise Smith, Chair, Innovate Finance / Chief Digital Officer, Lloyds
Matt Henderson, EMEA Business Lead, Stripe
This episode is sponsored by OneSpan
OneSpan helps protect the world from digital fraud by establishing trust in people’s identities, the devices they use and the transactions they execute. We make digital banking accessible, secure, easy and valuable. OneSpan’s Trusted Identity platform and security solutions significantly reduce digital transaction fraud and enable regulatory compliance for more than half of the top 100 global banks and thousands of financial institutions around the world. Whether automating agreements with identity verification and e-signatures, reducing fraud using advanced analytics, or transparently securing financial transactions, OneSpan helps lower costs and accelerate customer acquisition while improving the user experience.
Learn more at OneSpan.com
This episode is sponsored by Trustly
What if you could re-imagine payments for the insurance industry? What if you didn't have to rely on old and complex payment services and infrastructure? Instead, what if your payment provider could help create a user experience that stands out? And when it's time to pay out a claim it can do so instantly to millions of bank accounts across the UK, Europe and North America?
Trustly are leading the charge in unlocking the Open Banking payments revolution we are seeing today. Their Open Banking platform redefines the speed, simplicity and security of payments, for more than half a billion consumers across the globe.
Visit trustly.net to read more about how they help insurtech companies make payments a key part of their digital-first approach.
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: Louise Smith and Matt Henderson.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Nov 29, 2021 • 58min
584. News: Freetrade breaks crowdfunding records again
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:
Polly Jean Harrison, Features Editor, The Fintech Times
David Cunningham, Chief Commercial Officer, Lextego
With soundclips from:
Viktor Nebehaj, CMO, Freetrade
Mark Mullen, CEO, Atom Bank
Jamie Campbell, Co-Founder, Fronted
We cover the following stories from the fintech and financial services space:
Freetrade raises crowdfunding at £650m valuation (soundclip from Viktor Nebehaj, CMO, Freetrade) - 3:15
Payhawk raises €99 million to expand payments and expenses solution - 14:25
Irish banks commit €5 million to payment app joint venture Synch - 23:25
Atom Bank moves to a four-day week (soundclip from Mark Mullen, CEO, Atom Bank) - 35:20
Mode Global shares sink after Ocado, Boots and Homebase deny involvement in bitcoin scheme (soundclip from Jamie Campbell, Co-Founder, Fronted) - 45:40
India’s Paytm Tumbles Another 13% After First-Day IPO Flop - 46:40
Fronted launches ‘Lifetime Deposit’ lending product with the help of fresh £20m funding (soundclip from Jamie Campbell, Co-Founder, Fronted) - 48:25
Nike teams up with Roblox to create a virtual world called Nikeland - 51.20
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 (https://primer.io/?utm_source=11fs&utm_medium=referral&utm_campaign=fintech_insider_)
This episode is sponsored by SAS.
SAS help their customers make banking simple, safe and rewarding for everyone. They support banks in their goal to treat every customer as an individual. Combining data from across the bank with external information and real-time context delivers unique insight and a deep understanding of customer needs. By applying this insight at the right time via the right channel, SAS help make every customer engagement with the bank a relevant, valuable, and seamless experience.
SAS enables banks to embed real-time intelligence in every interaction, helping them make smarter, faster decisions that transform customer experience.
To find out more, visit. https://www.sas.com
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: Dave Cunningham, Deepa Anikhindi, Jamie Campbell, Mark Mullen, Polly Jean Harrison, and Viktor Nebehaj.
Learn more about your ad choices. Visit megaphone.fm/adchoices