Fintech Insider Podcast by 11:FS

Our expert host, Gwera Kiwana, is joined by some great guests to talk about all things Big Data. Large banks were some of the first big believers in the power of Big Data – but issues meant that initial hopes weren’t quite achieved. However, the potential of Big Data has progressed since those early days, and it’s time to revisit where we go from here. So what have been the successes? What has proved challenging? And how can Big Data help us unlock the future of AI among other innovations? This week's guests include: Richard Hamerton-Stove, Director of Consulting, 11:FS Todd Winship - Product Director, Analytics, Temenos Sarah Welch, Managing Director, Curinos 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 LetsDeel. There's a better way to hire internationally, and it starts with Deel. Everything from contract creation, record keeping, payments, and full-time employment is all in one place for teams all over the world. Companies anywhere can hire compliantly everywhere thanks to Deel. It's payroll and compliance built for today's worldwide workforce. To learn more, visit letsdeel/11fs, and redeem an exclusive offer of 3 months free when you hire a contractor and 20% for your first year when you hire an employee. This episode is sponsored by Blueshift Customers expect more from their digital experience and their personal finance is no exception. Blueshift empowers fintech and financial institutions to create secure customer profiles and intentional, relevant experiences for customers. Whether in app, on site, in branch, or anywhere else, Blueshift’s SmartHub CDP helps brands like Lending Tree and ClearScore turn data into personalized experiences that increase retention, satisfaction, and revenue. Learn more about the Blueshift at blueshift.com/11fs. 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: Richard Hamerton-Stove, Sarah Welch, and Todd Winship. Learn more about your ad choices. Visit megaphone.fm/adchoices

Our expert host, Benjamin Ensor, is joined by some great guests to talk about all things Cloud-based Banking. Cloud-based platforms have the potential to revolutionise the banking sector as we know it, but the findings of our latest report with nCino suggest there’s still a long way to go. So what is Cloud-based Banking? Why do banks need to embrace it? And what are challenges and opportunities? This week's guests include: Sim Rai, Senior Customer Strategist, 11:FS  Emmanuel Lambert, Digital Transformation Officer, CKV  Mo Fadaei, Head of Technology, Change & Transformation, Recognise 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 LetsDeel. There's a better way to hire internationally, and it starts with Deel. Everything from contract creation, record keeping, payments, and full-time employment is all in one place for teams all over the world. Companies anywhere can hire compliantly everywhere thanks to Deel. It's payroll and compliance built for today's worldwide workforce. To learn more, visit letsdeel/11fs, and redeem an exclusive offer of 3 months free when you hire a contractor and 20% for your first year when you hire an employee. This episode is sponsored by Blueshift Customers expect more from their digital experience and their personal finance is no exception. Blueshift empowers fintech and financial institutions to create secure customer profiles and intentional, relevant experiences for customers. Whether in app, on site, in branch, or anywhere else, Blueshift’s SmartHub CDP helps brands like Lending Tree and ClearScore turn data into personalized experiences that increase retention, satisfaction, and revenue. Learn more about the Blueshift at blueshift.com/11fs. 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: Emmanuel Lambert, Mo Fadaei, and Sim Rai. Learn more about your ad choices. Visit megaphone.fm/adchoices

Our expert host, David M. Brear, is joined by some great guests to take a deep dive into all things Agile. What is it? What are the pros and cons? Where does Agile fit into day-to-day operations? What do other solutions offer, what does the future look like, and what advice can our panel give to companies looking to scale with Agile? This week's guests include: Deepa Anikhindi, Lead Product Manager, 11:FS Alexa Guenoun, Chief Operating Officer, Temenos Lars Trunin, Head of UK Product, Wise 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 LetsDeel. There's a better way to hire internationally, and it starts with Deel. Everything from contract creation, record keeping, payments, and full-time employment is all in one place for teams all over the world. Companies anywhere can hire compliantly everywhere thanks to Deel. It's payroll and compliance built for today's worldwide workforce. To learn more, visit letsdeel/11fs, and redeem an exclusive offer of 3 months free when you hire a contractor and 20% for your first year when you hire an employee. This episode is sponsored by Blueshift Customers expect more from their digital experience and their personal finance is no exception. Blueshift empowers fintech and financial institutions to create secure customer profiles and intentional, relevant experiences for customers. Whether in app, on site, in branch, or anywhere else, Blueshift’s SmartHub CDP helps brands like Lending Tree and ClearScore turn data into personalized experiences that increase retention, satisfaction, and revenue. Learn more about the Blueshift at blueshift.com/11fs. 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: Alexa Guenoun, Deepa Anikhindi, and Lars Trunin . Learn more about your ad choices. Visit megaphone.fm/adchoices

Our expert host, Ross Gallagher, is joined by some great guests to to talk about Saudi Fintech. As part of its Vision 2030 initiative, the Saudi government has set ambitious targets aimed towards building a thriving and diverse economy and establishing a strong foundation for long term economic prosperity. This has had significant implications on financial services within the Kingdom – especially with regards to Fintech and digital transformation. But what does the Saudi banking market look like, what technologies are paving the way, and where are the real opportunity and growth areas for Fintech? This week's guests include: Henry Egan, Director, 11:FS Tristan Brandt, Chief Digital Officer, SABB Nahim Bassa, Group Head: Strategy & Digital Transformation, Bank AlJazira 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 LetsDeel. There's a better way to hire internationally, and it starts with Deel. Everything from contract creation, record keeping, payments, and full-time employment is all in one place for teams all over the world. Companies anywhere can hire compliantly everywhere thanks to Deel. It's payroll and compliance built for today's worldwide workforce. To learn more, visit letsdeel/11fs, and redeem an exclusive offer of 3 months free when you hire a contractor and 20% for your first year when you hire an employee. This episode is sponsored by Blueshift Customers expect more from their digital experience and their personal finance is no exception. Blueshift empowers fintech and financial institutions to create secure customer profiles and intentional, relevant experiences for customers. Whether in app, on site, in branch, or anywhere else, Blueshift’s SmartHub CDP helps brands like Lending Tree and ClearScore turn data into personalized experiences that increase retention, satisfaction, and revenue. Learn more about the Blueshift at blueshift.com/11fs. 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: Henry Egan, Nahim Bassa, and Tristan Brandt. Learn more about your ad choices. Visit megaphone.fm/adchoices

Our expert hosts, Benjamin Ensor and Gwera Kiwana, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include: Ron Shevlin, Director of Research, Cornerstone Advisors Emily Nicolle, Fintech Correspondent, Financial News Kate Drew, Director of Research, CCG Catalyst We cover the following stories from the fintech and financial services space: Google Is Scrapping its Plan to Offer Bank Accounts to Users 3:05 Monzo withdraws US banking licence application 15:21 Alloy raises $100 million at a $1.35 billion valuation to help banks and fintechs fight fraud with its API-based platform 27:27 Starling to launch banking-as-a-service package in Europe 36:50 AI-based mortgage overpayment app Sprive launches 47:40 Fintech firm Upgrade is getting into buy now, pay later with short-term installment loans 49:00 NatWest acquires pocket money app RoosterMoney 50:14 11:FS shares a boat with James Bond 51:50 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 LetsDeel. There's a better way to hire internationally, and it starts with Deel. Everything from contract creation, record keeping, payments, and full-time employment is all in one place for teams all over the world. Companies anywhere can hire compliantly everywhere thanks to Deel. It's payroll and compliance built for today's worldwide workforce. To learn more, visit letsdeel/11fs, and redeem an exclusive offer of 3 months free when you hire a contractor and 20% for your first year when you hire an employee. This episode is sponsored by Blueshift Customers expect more from their digital experience and their personal finance is no exception. Blueshift empowers fintech and financial institutions to create secure customer profiles and intentional, relevant experiences for customers. Whether in app, on site, in branch, or anywhere else, Blueshift’s SmartHub CDP helps brands like Lending Tree and ClearScore turn data into personalized experiences that increase retention, satisfaction, and revenue. Learn more about the Blueshift at blueshift.com/11fs. 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: Emily Nicolle, Kate Drew, and Ron Shevlin.Links: Google Is Scrapping its Plan to Offer Bank Accounts to Users Monzo withdraws US banking licence application Alloy raises $100 million at a $1.35 billion valuation to help banks and fintechs fight fraud with its API-based platform Starling to launch banking-as-a-service package in Europe AI-based mortgage overpayment app Sprive launches Fintech firm Upgrade is getting into buy now, pay later with short-term installment loans NatWest acquires pocket money app RoosterMoney Learn more about your ad choices. Visit megaphone.fm/adchoices

Our expert hosts, David M. Brear and Jason Bates talk all about the Truly Digital Manifesto! They unpack what 'truly digital' means, an overview of the manifesto, and get into all the details. Who needs to see this? What brutal realities do companies need to address? And, what is digital R.I.C.H.E.S? Tune in to find out more! To read the Truly Digital Manifesto, click here. 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 LetsDeel. There's a better way to hire internationally, and it starts with Deel. Everything from contract creation, record keeping, payments, and full-time employment is all in one place for teams all over the world. Companies anywhere can hire compliantly everywhere thanks to Deel. It's payroll and compliance built for today's worldwide workforce. To learn more, visit letsdeel/11fs, and redeem an exclusive offer of 3 months free when you hire a contractor and 20% for your first year when you hire an employee. This episode is sponsored by Blueshift Customers expect more from their digital experience and their personal finance is no exception. Blueshift empowers fintech and financial institutions to create secure customer profiles and intentional, relevant experiences for customers. Whether in app, on site, in branch, or anywhere else, Blueshift’s SmartHub CDP helps brands like Lending Tree and ClearScore turn data into personalized experiences that increase retention, satisfaction, and revenue. Learn more about the Blueshift at blueshift.com/11fs. 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! Learn more about your ad choices. Visit megaphone.fm/adchoices

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: Katie Palencsar, Managing Director & Global Head of Venture Studio, Anthemis Dan Westgarth, COO, Deel We cover the following stories from the fintech and financial services space: Barclays and Anthemis bring female-focused fintech fund to UK and Europe Citi launches tech hub in Bahrain to develop its digital platforms Oraan raises $3M to increase financial inclusion Santander unplugs payments challenger PagoFX after 15 months Claro takes anti-BNPL campaign to London's streets FinTech Startup Highnote Launches and announces $54M in Funding Ant-Backed Ascend Money Becomes Thailand’s First Fintech Unicorn A Crypto-Trading Hamster Performs Better Than Warren Buffett And The S&P 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 LetsDeel. There's a better way to hire internationally, and it starts with Deel. Everything from contract creation, record keeping, payments, and full-time employment is all in one place for teams all over the world. Companies anywhere can hire compliantly everywhere thanks to Deel. It's payroll and compliance built for today's worldwide workforce. To learn more, visit letsdeel/11fs, and redeem an exclusive offer of 3 months free when you hire a contractor and 20% for your first year when you hire an employee. This episode is sponsored by Blueshift Customers expect more from their digital experience and their personal finance is no exception. Blueshift empowers fintech and financial institutions to create secure customer profiles and intentional, relevant experiences for customers. Whether in app, on site, in branch, or anywhere else, Blueshift’s SmartHub CDP helps brands like Lending Tree and ClearScore turn data into personalized experiences that increase retention, satisfaction, and revenue. Learn more about the Blueshift at blueshift.com/11fs. 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: Dan Westgarth and Katie Palencsar.Links: Barclays and Anthemis bring female-focused fintech fund to UK and Europe Citi launches tech hub in Bahrain to develop its digital platforms Oraan raises $3M to increase financial inclusion Santander unplugs payments challenger PagoFX after 15 months Claro takes anti-BNPL campaign to London's streets FinTech Startup Highnote Launches and announces $54M in Funding Ant-Backed Ascend Money Becomes Thailand’s First Fintech Unicorn A Crypto-Trading Hamster Performs Better Than Warren Buffett And The S&P 500 Learn more about your ad choices. Visit megaphone.fm/adchoices

Our expert host, Benjamin Ensor, is joined by some great guests to talk about French Fintech. Paris is home to more than 1,000 fintech companies and the French capital is looking to close the gap on the UK and eventually the US, according to leading figures. But what does the market look like, what technologies are paving the way, and what opportunities does the market offer fintech founders? This week's guests include: Didier Lallemand, Managing Director at Société Générale Ventures Clement Boulais, General Manager France, TrueLayer Paddy O’Neill, Head of Sales UK & Ireland, Spendesk 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 LetsDeel. There's a better way to hire internationally, and it starts with Deel. Everything from contract creation, record keeping, payments, and full-time employment is all in one place for teams all over the world. Companies anywhere can hire compliantly everywhere thanks to Deel. It's payroll and compliance built for today's worldwide workforce. To learn more, visit letsdeel/11fs, and redeem an exclusive offer of 3 months free when you hire a contractor and 20% for your first year when you hire an employee. This episode is sponsored by Fintech Meetup. This episode is sponsored by Fintech Meetup. Fintech Meetup is the world’s largest fintech meetings event, facilitating more than 30,000 meetings for 4,000 participants. It takes place online, March 8-10, 2022. Our participants will meet everyone they need to meet, including Startups, Established Fintechs, Investors, Banks and Credit Unions, Media and Analysts and more. For more information and to get your ticket, go to [www.fintechmeetup.com](www.fintechmeetup.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: Clement Boulais, Didier Lallemand, and Paddy O’Neill. Learn more about your ad choices. Visit megaphone.fm/adchoices

Our expert hosts, David Brear and Gwera Kiwana, are joined by some great guests to talk about the most notable fintech, financial services and banking news from the past week. This week's guests include: Matt Henderson, EMEA Business Lead, Stripe Arun Tharmarajah, Head of European Banking at Wise Sophie Guibaud, Chief Growth Officer at OpenPayd We cover the following stories from the fintech and financial services space: Stripe opens London fintech development office 4:16 Wise launches feature that lets users spend money invested in stocks 17:15 JPMorgan launches Chase in the UK 31:03 TrueLayer raises $130M and becomes a unicorn 43:13 Curve joins the BNPL scramble 49:20 Monese moves into banking-as-a-service 51:20 61% of UK Children Use an App to Manage Pocket Money 53:16 Restaurants to be banned from keeping staff tips 55:12 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 LetsDeel. There's a better way to hire internationally, and it starts with Deel. Everything from contract creation, record keeping, payments, and full-time employment is all in one place for teams all over the world. Companies anywhere can hire compliantly everywhere thanks to Deel. It's payroll and compliance built for today's worldwide workforce. To learn more, visit letsdeel/11fs, and redeem an exclusive offer of 3 months free when you hire a contractor and 20% for your first year when you hire an employee. This episode is sponsored by Fintech Meetup. This episode is sponsored by Fintech Meetup. Fintech Meetup is the world’s largest fintech meetings event, facilitating more than 30,000 meetings for 4,000 participants. It takes place online, March 8-10, 2022. Our participants will meet everyone they need to meet, including Startups, Established Fintechs, Investors, Banks and Credit Unions, Media and Analysts and more. For more information and to get your ticket, go to [www.fintechmeetup.com](www.fintechmeetup.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: Arun Tharmarajah , Matt Henderson, and Sophie Guibaud.Links: Stripe opens London fintech development office Wise launches feature that lets users spend money invested in stocks JPMorgan launches Chase in the UK TrueLayer raises $130M and becomes a unicorn Curve joins the BNPL scramble Monese moves into banking-as-a-service 61% of UK Children Use an App to Manage Pocket Money Restaurants to be banned from keeping staff tips Learn more about your ad choices. Visit megaphone.fm/adchoices

This Friday, we're switching it up a bit! Not too long ago on Spotlight, our expert host - David Brear - was joined by Charley Ma, GM of Fintech at Alloy. The pair dive into Charley's career to date, and also unpack what it means to be an angel investor supporting early stage companies. The conversation was so insightful and interesting, that we wanted to share it with all of you. What does angel investing really mean? How do you get started out? How do you choose what to invest in? All of this and much much more on today's show! 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 LetsDeel. There's a better way to hire internationally, and it starts with Deel. Everything from contract creation, record keeping, payments, and full-time employment is all in one place for teams all over the world. Companies anywhere can hire compliantly everywhere thanks to Deel. It's payroll and compliance built for today's worldwide workforce. To learn more, visit letsdeel/11fs, and redeem an exclusive offer of 3 months free when you hire a contractor and 20% for your first year when you hire an employee. This episode is sponsored by Fintech Meetup. This episode is sponsored by Fintech Meetup. Fintech Meetup is the world’s largest fintech meetings event, facilitating more than 30,000 meetings for 4,000 participants. It takes place online, March 8-10, 2022. Our participants will meet everyone they need to meet, including Startups, Established Fintechs, Investors, Banks and Credit Unions, Media and Analysts and more. For more information and to get your ticket, go to [www.fintechmeetup.com](www.fintechmeetup.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 Guest: Charley Ma . Learn more about your ad choices. Visit megaphone.fm/adchoices