Fintech Insider Podcast by 11:FS

Our expert hosts, David Brear 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: Roger De’ath, Head of eCommerce at Truelayer Oscar Williams-Grut, City Editor at Evening Standard Polly Jean Harrison, Journalist at The Fintech Times We cover the following stories from the fintech and financial services space: Monzo unveils buy now, pay later product with £3,000 limit - 5:35 QED announces $1 billion fintech war chest - 19:35 TrueLayer teams up with Cazoo to power open banking payments and refunds - 27:30 Varo raise $510M in Series E funding - 36:15 One in five consumers blocked from paying with cash, raising concerns for the elderly and vulnerable - 41:57 Former Wise employees raise $8.5M for multicurrency investing app - 44:00 Ripple vets unveil global micropayments network for Web 3.0 - 45:18 Russian bank VTB is piloting ‘face pay’ technology - 48:00 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: Oscar Williams-Grut, Polly Jean Harrison, and Roger DeAth.Links: Monzo unveils buy now, pay later product with £3,000 limit QED announces $1 billion fintech war chest TrueLayer teams up with Cazoo to power open banking payments and refunds Varo raise $510M in Series E funding One in five consumers blocked from paying with cash, raising concerns for the elderly and vulnerable Former Wise employees raise $8.5M for multicurrency investing app Ripple vets unveil global micropayments network for Web 3.0 Russian bank VTB is piloting ‘face pay’ technology Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to the latest installment of After Dark, called Starting from Scratch. We are joined by the best and the brightest in fintech and financial services industry to talk all about starting from zero, and building better financial systems. What do we mean by that? Well, just imagine… The year is 2040. We have exhausted nearly all of the earth’s natural resources. Elon Musk/Jeff Bezos/Richard Branson and others like them have won the space race and the first colony has now arrived on Mars. Billions will follow over the weeks and months. There is much to be done. We are getting on our rocket to head off to Mars, tasked with building the planet’s first banking ecosystem. There are no rules, no regulations and no limits. We have the opportunity to shed the baggage of the existing systems on Earth and completely start again. To build a whole new banking system from scratch: What do you do? Where do you begin? Our fantastic panel conists of; Hosts: David Brear, 11:FS Group CEO Jason Bates, 11:FS Deputy CEO Guests: Marta Krupinska, Fintech founder & Head of Google for Startups UK Eric Van der Kleij, Builder of Tech Ecosystems, (Co)founder EdenBase.com, Level39.co, TechNation.io Dr Sian Lewin - Co-Founder and Head of Client Delivery at RegTech Associates 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: Eric Van der Kleij, Marta Krupinska, and Sian Lewin. Learn more about your ad choices. Visit megaphone.fm/adchoices

Our expert host, David Brear, is joined by some great guests to talk about Australian fintech. The market has grown exponentially over the last few years, with the pandemic pushing Austailians further into digital and providing a major catalyst for tech companies. 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: Dexter Cousins, Founder, Tier One People Simone Joyce, CEO & Co-Founder, Paypa Plane & Chair of Fintech Australia Matt Baxby, Country CEO of Revolut Australia 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: Dexter Cousins, Matt Baxby, and Simone Joyce. Learn more about your ad choices. Visit megaphone.fm/adchoices

Time for a bonus episode! Our expert host, David Brear, is joined by Lotanna Ezeike, Co-Founder and CEO at XPO, to talk all things social media influencers, the creator economy & banking. Join us for some myth-busting about influencers, challenge David's opinions from a few episodes back, and shed some light on the subject for our listeners. 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, 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: Lotanna Ezeike . Learn more about your ad choices. Visit megaphone.fm/adchoices

Our expert hosts, Simon Taylor 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: Frederick Lavoie, co-founder and COO, Flinks Sharon Kimathi, Inclusive Economies Editor, Thomson Reuters Foundation We cover the following stories from the fintech and financial services space: Amazon partners Affirm to offer customers BNPL option 4:32 National Bank of Canada invests $103M in Flinks, including $30M in growth capital 15:45 Alpaca raises $50m; moves into crypto trading 28:32 Wombat to raise £10 million to expand into Europe 38:52 Nubank seeks $55bn valuation in IPO 47:12 Invest at PayPal could compete with Robinhood and Square’s retail stock trading 48:34 Railsbank and Status Money create credit card with crypto investment rewards 50:27 Fake Banksy NFT sold through artist's website for £244k 52:25 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. 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: Frederick Lavoie and Sharon Kimathi.Links: Amazon partners Affirm to offer customers BNPL option National Bank of Canada invests $103M in Flinks, including $30M in growth capital Alpaca raises $50m; moves into crypto trading Wombat to raise £10 million to expand into Europe Nubank seeks $55bn valuation in IPO Invest at PayPal could compete with Robinhood and Square’s retail stock trading Railsbank and Status Money create credit card with crypto investment rewards Fake Banksy NFT sold through artist's website for £244k Learn more about your ad choices. Visit megaphone.fm/adchoices

Our expert hosts, David Brear, Simon Taylor and Jason Bates, come together to answer all of your burning question in this Ask Me Anything episode. How surprised are they by the rise of the neobanks in the US? Is there a grave danger all the best engineers get sucked into and away from traditional FS businesses? When Hollywood decides to make 11:FS The Movie, who would David, Simon and Jason want to play them? Tune in to hear so much more, and hey - maybe next time, we'll be answering your questions! 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. 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, David Brear and Pierre Legrand, 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: John Waupsh, CEO and founder, Nerve Colin Kennedy, Chief Business Officer, Ramp We cover the following stories from the fintech and financial services space: Ramp raises $300M and acquires Buyer to offer "negotiation-as-a-service" 3:30 Revolut introduces salary-advance feature in the UK 13:25 Nerve, World’s First Neobank Created for Musicians Launched 24:49 World Remit rebrands as Zepz and raises £292M 36:49 Socially conscious fintech Aspiration to go public via a SPAC merger 41:45 Balance raises $25 million in Series A funding 42:51 African fintech OPay valued at $2bn after a $400m raise 43:50 Hargreaves Lansdown creates confusion with ad campaign citing a Monzo IPO 45:00 Al of this and much more 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. 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: Colin Kennedy and John Waupsh.Links: Ramp raises $300M and acquires Buyer to offer "negotiation-as-a-service" Revolut introduces salary-advance feature in the UK Nerve, World’s First Neobank Created for Musicians Launched World Remit rebrands as Zepz and raises £292M Socially conscious fintech Aspiration to go public via a SPAC merger Balance raises $25 million in Series A funding African fintech OPay valued at $2bn after a $400m raise Hargreaves Lansdown creates confusion with ad campaign citing a Monzo IPO Learn more about your ad choices. Visit megaphone.fm/adchoices

Our expert hosts, David Brear and Amy Gavin, are joined by some great guests to talk about innovation in the buy now pay later products. Most people think of huge players such as Klarna & Afterpay, but increasingly we are seeing more and more specialised providers entering the market, and in new geographies. We wanted to revisit this topic, to find out where the innovation is really coming from. This week's guests include: Arad Levertov, CEO & Co-Founder, Sunbit Timothy Davis, CEO & Co-Founder, Butter.co.uk 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. 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: Arad Levertov and Timothy Davis. Learn more about your ad choices. Visit megaphone.fm/adchoices

Our expert hosts, Adam Davis 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: Rod Lockhart, CEO at LendInvest Sam Maule, Key Account Exec at Google Cloud We cover the following stories from the fintech and financial services space: Chime raises $750m at $25bn valuation 3:04 LendInvest secures £150m partnership with Barclays and HSBC 16:01 JP Morgan and AmEx invest in Plaid 30:27 UK banks plan to share branches as regulator seeks to block closures 41:35 Brex buys Israel’s Weav 50:45 'Personalised credit' startup Keebo raises £5 million in seed funding 52:00 Starling tops CMA ratings for business banking quality 53:45 HSBC joining the bank card accessibility push with new ‘vertical’ designs 54:44 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. 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 co., 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: Rod Lockhart and Sam Maule.Links: Chime raises $750m at $25bn valuation LendInvest secures £150m partnership with Barclays and HSBC JP Morgan and AmEx invest in Plaid UK banks plan to share branches as regulator seeks to block closures Brex buys Israel’s Weav 'Personalised credit' startup Keebo raises £5 million in seed funding Starling tops CMA ratings for business banking quality HSBC joining the bank card accessibility push with new ‘vertical’ designs Learn more about your ad choices. Visit megaphone.fm/adchoices

Our expert host, Simon Taylor, is joined by some great guests to talk about AI and machine learning in the context of financial services. We cover how AI/ML will change financial services, what the difference between AI & ML in Financial Services is, what the biggest benefits of AI/ML are, how do we work with bias and how far can we take it? This week's guests include: Amanda Cercas Curry, PhD student Heriot-Watt University in Edinburgh and co-host of the podcast Let's Chat Ethics Teddy Flo, General Council, Zest AI Dorel Blitz, VP Strategy & Business development, Personetics All of this and much 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 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](blueshift.com/11fs). This episode is sponsored by WaveMaker. This podcast is sponsored by WaveMaker, the industry's most open, API-driven low-code platform for hyper-accelerating embedded finance applications. Are APIs alone enough to broaden and scale your market adoption? Do you need customers to go live faster? How about self-serve capability in your partners' and customers' hands to build and customize their web and mobile experiences? 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: Amanda Cercas Curry, Dorel Blitz, and Teddy Flo. Learn more about your ad choices. Visit megaphone.fm/adchoices