

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

Apr 8, 2022 • 43min
617. Insights: How banks paved the way for a Singapore fintech revolution
Our expert host, Benjamin Ensor, is joined by some great guests to break down how fintech currently operates in Singapore.
In the decades after gaining independence in 1965, Singapore rapidly developed from a low-income country to a high-income country.
With this, came a push for better financial services and the island nation has established itself as one of Asia and the world’s key financial hubs.
So today we’re talking about how things look in 2022, what challenges there are still to overcome, and what’s next for Singapore's ecosystem?
This week's guests include:
Jonas Thürig, Head, F10 Singapore
Dayana Yermolayeva, CEO & Co-Founder, JiPay
This episode is sponsored by Austrade
Everyone wants to stay ahead of the fintech curve, and a great way to start is by powering your investment portfolio with Australia's best and brightest fintechs. From buy-now-pay-later, to open banking, from embedded finance, to global payments - it won't be long before the next Clearpay, Cover Genius or Airwallex hits the international stage. Learn more today, visit
www.shinewithaustralia.com.au/fintech
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: Dayana Yermolayeva and Jonas Thürig.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Apr 4, 2022 • 52min
616. News: UK's open banking regulator faces shake-up, ArK Kapital creates 'ageing filter' for startups
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:
Alan Ainsworth, Head of Policy, OBIE
Axel Bruzelius, Founder and COO, ArK Kapital
With soundclips from:
Shaun Port, Managing Director of Savings and Investments, Chase UK
We cover the following stories from the fintech and financial services space:
CMA to create regulatory body to oversee open banking industry - 4:00
Stockholm-based ArK Kapital raises €165 million to help startups grow faster and smarter - 15:45
JP Morgan's Chase launches UK saver with "market-leading" interest rate - 25:16
Kadmos snaps €8.3 million to transform salary payments for migrant workers - 33:50
Bank of England joins MIT CBDC roster - 42:00
Chip raises £6.5m crowdfund on path to becoming saving and investing super app - 43:20
Mobile wallets to be adopted by over one-third of global population by 2024 - 44:40
The CEO of Goldman Sachs is set to DJ at Lollapalooza 2022 - 45:40
This episode is sponsored by Austrade
Everyone wants to stay ahead of the fintech curve, and a great way to start is by powering your investment portfolio with Australia's best and brightest fintechs. From buy-now-pay-later, to open banking, from embedded finance, to global payments - it won't be long before the next Clearpay, Cover Genius or Airwallex hits the international stage. Learn more today, visit [shinewithaustralia.com.au/fintech](www.shinewithaustralia.com.au/fintech)
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: Alan Ainsworth, Axel Bruzelius, and Shaun Port.Links:
CMA to create regulatory body to oversee open banking industry
Stockholm-based ArK Kapital raises €165 million to help startups grow faster and smarter
JP Morgan's Chase launches UK saver with "market-leading" interest rate
Kadmos snaps €8.3 million to transform salary payments for migrant workers
Bank of England joins MIT CBDC roster
Chip raises £6.5m crowdfund on path to becoming saving and investing super app
Mobile wallets to be adopted by over one-third of global population by 2024
The CEO of Goldman Sachs is set to DJ at Lollapalooza 2022
Learn more about your ad choices. Visit megaphone.fm/adchoices

Apr 1, 2022 • 53min
615. Insights: Can data enrichment outsmart fraudsters?
In this episode - in association with Callsign - our expert host, David M. Brear, is joined by some great guests to talk about the best approach to tackling financial fraudsters!
The idea that organisations can leverage data to gain an understanding of their customers is better understood than it once was – but what this actually looks like in practice and how does it come to life?
From reducing fraudulent transactions, to improved UX, to compliance with regulators – data leverage and enrichment opens up so many avenues for financial organisations.
This week's guests include:
Christopher Stephens, Head of Solution Engineering (UK, Europe & South Africa), Callsign
PJ Rohall, Fraud Subject Matter Expert, Featurespace
Livia Benisty, Global Head of Business AML, Banking Circle
This episode is sponsored by Callsign
Callsign makes digital life smoother and safer by helping organizations establish and preserve digital trust so people can get on with their digital lives.
The first true representation of identity online, Callsign positively identifies users by their unique characteristics, replicating real-life recognition signals with AI models.
The only solution to identify people across every journey, channel, and brand, Callsign makes digital identification seamless and secure, helping drive business growth. Find out more at [callsign.com](www.callsign.com).
This episode is sponsored by Austrade
Everyone wants to stay ahead of the fintech curve, and a great way to start is by powering your investment portfolio with Australia's best and brightest fintechs. From buy-now-pay-later, to open banking, from embedded finance, to global payments - it won't be long before the next Clearpay, Cover Genius or Airwallex hits the international stage. Learn more today, visit [shinewithaustralia.com.au/fintech](www.shinewithaustralia.com.au/fintech)
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: Christopher Stephens, Livia Benisty, and PJ Rohall.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Mar 30, 2022 • 25min
Bonus: The metaverse is 1% finished
Welcome to a very special bonus edition of Fintech Insider!
We’ve been talking a lot about the metaverse recently, so on this bonus episode, we decided to jump in and try it for ourselves.
Join hosts David M. Brear and Jason Bates as they don a pair of headsets and dive into the metaverse to discuss what they think it actually is, what place it could have in our working lives, its possible uses in the world of financial services and a whole lot more!
If you want to learn more about how this episode was made, head to our YouTube channel right now to watch an exclusive behind the scenes video: youtube.com/11team
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!
Learn more about your ad choices. Visit megaphone.fm/adchoices

Mar 28, 2022 • 1h 6min
614. News: Ramp marks $8bn valuation, Clearbank plans global expansion and Apple acquires Credit Kudos
Our expert hosts, David M. Brear 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:
Charles McManus, CEO, Clearbank
Eric Glyman, Co-founder & CEO, Ramp
With soundclips from:
Eslam Darwish, General Partner, Nclude
We cover the following stories from the fintech and financial services space:
Ramp confirms new $8.1bn valuation - 4:28
ClearBank raises $230m to expand into Europe and the US - 18:15
Apple buys UK fintech start-up Credit Kudos - 34:15
Egypt state banks setting up $85m fintech innovation fund - 43:45
"Very, very unlikely" big banks will have high-street branches, says Anne Boden - 52:30
EPI abandons plan for Visa and Mastercard rival as member banks quit - 53:30
NatWest to pilot carbon tracking app with SMEs - 54:55
Bristol pound notes to be transformed into giant shoal of fish - 56:05
This episode is sponsored by Austrade
Everyone wants to stay ahead of the fintech curve, and a great way to start is by powering your investment portfolio with Australia's best and brightest fintechs. From buy-now-pay-later, to open banking, from embedded finance, to global payments - it won't be long before the next Clearpay, Cover Genius or Airwallex hits the international stage. Learn more today, visit shinewithaustralia.com.au/fintech.
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 McManus, Eric Glyman, and Eslam Darwish.Links:
Ramp confirms new $8.1B valuation after ‘a nearly 10x’ YoY increase in revenue
ClearBank raises £175 million for global expansion
Apple buys UK fintech start-up Credit Kudos
Egypt state banks setting up $85 million fintech innovation fund
"Very, very unlikely" big banks will have high-street branches, says Anne Boden
EPI abandons plan for Visa and Mastercard rival as member banks quit
NatWest to pilot carbon tracking app with SMEs
Bristol Pound notes to be transformed into giant shoal of fish
Learn more about your ad choices. Visit megaphone.fm/adchoices

Mar 25, 2022 • 45min
613. Insights: The rise of 'fintech for good'
Our expert host, Benjamin Ensor, is joined by some great guests to talk about the relationship between charitable giving and fintech.
With a cashless society steadily reducing the amount of spare change in purses and back pockets, many charities have been plunged into a crisis of traditional fundraising.
While dropping coins into buckets may be a thing of the past, financial services focused on charitable giving is a growing sector which could help small charities, NGOs, relief funds and community organisations stay above water.
So today we’re talking about what charitable giving looks like today, what are the challenges still to overcome and the rise of 'fintech for good'.
This week's guests include:
Sarah Habib, Customer Strategist, 11:FS
Matt Crate, CEO, Toucan
Fizel Nejabat, Co-founder & COO, Algbra
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: Fizel Nejabat, Matt Crate, and Sarah Habib.
Learn more about your ad choices. Visit megaphone.fm/adchoices

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
Learn more about your ad choices. Visit megaphone.fm/adchoices

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.
Learn more about your ad choices. Visit megaphone.fm/adchoices

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


