

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
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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

Nov 26, 2021 • 46min
583. Insights: Can financial services lead the fight against climate change?
Our expert host, Simon Taylor, is joined by some great guests to talk about all things sustainabilty in the financial services sector – in association with Mastercard.
There’s never been a better or more timely way to go green, and financial services is uniquely placed to have real impact in this space.
Following COP26, Simon and the panel look at where we are now, the challenges and opportunities, as well as the role of fintech in driving big changes.
This week's guests include:
Scott Abrahams, SVP Business Development and Fintech, Mastercard
Lee Brown, Operations Manager, Helpful
Will Smith, Co-Founder, Tred
All of this and much more on today's episode!
This episode is sponsored by Temenos.
Temenos is the world’s leader in banking software, helping over 3,000 banks serve over 1.2 billion people. Our purpose is to make banking better. Together with our community, we make banks more successful, individuals better banked, and society better served. With our software banks can create more human digital experiences, hyper-efficient business models, and transform their back-office. Our clients are the highest performing banks with cost-income ratios which are twice better than the industry average.
Learn more at Temenos.com.
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, Jason Bates and Sarah Kocianski and 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: Lee Brown, Scott Abrahams, and Will Smith.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Nov 24, 2021 • 39min
Bonus: Payments are Eating the World ft. Jeremy Balkin, JP Morgan
Time for a bonus episode! Our expert host, David Brear, is joined by Jeremy Balkin, Global Head of Innovation & Corporate Development, Payments at J.P. Morgan, to take a deep dive into their new report: Payments are Eating the World.
Join us for an in depth discussion about Jeremy's career, the report, and all things payments.
All of this and much more on today's episode!
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: Jeremy Balkin.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Nov 19, 2021 • 46min
581. Insights: Is the Indian fintech market coming of age?
Our expert host, Bejnamin Ensor, is joined by some great guests to talk about all things Indian fintech.
Fintech is one of the fastest-growing technology segments in India, bringing innovation in digital identity, credit scoring, loans, payments, and stock trading.
So what does the market look like, what technologies are paving the way, and what opportunities does the ecosystem offer Fintech founders?
This week's guests include:
Gurjodhpal Singh, India CEO, Tide
Aditi Sholapurkar, Co-founder, SALT
All of this and much more on today's episode!
This episode is sponsored by Temenos.
Temenos is the world’s leader in banking software, helping over 3,000 banks serve over 1.2 billion people. Our purpose is to make banking better. Together with our community, we make banks more successful, individuals better banked, and society better served. With our software banks can create more human digital experiences, hyper-efficient business models, and transform their back-office. Our clients are the highest performing banks with cost-income ratios which are twice better than the industry average.
Learn more at Temenos.com.
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, Jason Bates and Sarah Kocianski and 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 and Gurjodhpal Singh.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Nov 12, 2021 • 49min
579. Insights: Football and fintech collides
Our expert host, David M. Brear, is joined by some great guests to talk about all things football and fintech.
Both industries have seen monumental rises in the last decade, so it's no surprise that financial technology and football are becoming more entwined in their pursuit of global expansion.
So where is this relationship in 2021? What are some of the success stories? And what is the potential going forward?
This week's guests include:
Vivienne Hsu, CMO, Sokin
Petrit Berisha, Head of Cryptomedia, Copa90
Alexandra Frean, Chief Corporate Affairs Officer, Starling Bank
All of this and much more on today's episode!
This episode is sponsored by Temenos.
Temenos is the world leader in banking software, serving over 3,000 financial institutions. SCALE 2021 is Temenos' dedicated, virtual developer event, including: insights from industry leaders on current technology trends and how they impact banking; customer presentations; product demonstrations and road-map sessions and opportunities to speak with Temenos experts. Whether you're a developer, consultant or business user, discover the latest technology opportunities and how this can help you deliver bigger, better, faster.
Register to attend here. (https://tem.mn/3jYLZlm)
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: Alexandra Frean, Petrit Berisha, and Vivienne Hsu.
Learn more about your ad choices. Visit megaphone.fm/adchoices


